<SEC-DOCUMENT>0000891478-26-000037.txt : 20260401
<SEC-HEADER>0000891478-26-000037.hdr.sgml : 20260401
<ACCEPTANCE-DATETIME>20260401160542
ACCESSION NUMBER:		0000891478-26-000037
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		454
CONFORMED PERIOD OF REPORT:	20251231
FILED AS OF DATE:		20260401
DATE AS OF CHANGE:		20260401

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Banco Santander, S.A.
		CENTRAL INDEX KEY:			0000891478
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		ORGANIZATION NAME:           	02 Finance
		EIN:				132617929
		STATE OF INCORPORATION:			U3
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-12518
		FILM NUMBER:		26828133

	BUSINESS ADDRESS:	
		STREET 1:		CIUDAD GRUPO SANTANDER
		STREET 2:		BOADILLA DEL MONTE
		CITY:			MADRID
		STATE:			U3
		ZIP:			28660
		BUSINESS PHONE:		34 91 289 32 80

	MAIL ADDRESS:	
		STREET 1:		CIUDAD GRUPO SANTANDER
		STREET 2:		BOADILLA DEL MONTE
		CITY:			MADRID
		STATE:			U3
		ZIP:			28660

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BANCO SANTANDER SA
		DATE OF NAME CHANGE:	20070925

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BANCO SANTANDER CENTRAL HISPANO SA
		DATE OF NAME CHANGE:	19990512

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BANCO SANTANDER S A
		DATE OF NAME CHANGE:	19931201
</SEC-HEADER>
<DOCUMENT>
<TYPE>6-K
<SEQUENCE>1
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<DESCRIPTION>6-K
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style="width:0.1%"/></tr><tr style="height:3pt"><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:8pt"><span><br/></span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725"></div><div style="text-align:justify"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="text-align:justify"><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%">The information contained in this Form 6-K and any exhibits hereto shall be deemed filed with the Securities and Exchange Commission (&#8220;SEC&#8221;) solely for purposes of incorporation by reference into and as part of Banco Santander, S.A.&#8217;s Registration Statement No. 333-294235 on Form F-4, Registration Statement No. 333-293987 on Form F-3, and Registration Statements Nos. 333-293144, 333-285208, 333-278095, 333-269251, 333-262484, 333-256936, 333-238260, 333-231568 and 333-227289 on Form S-8 filed with the SEC, including any prospectuses forming a part of such registration statements, and to be a part thereof from the date on which this report is filed, to the extent not superseded by documents or reports subsequently filed or furnished.</span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:8pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:13.5pt;font-weight:700;line-height:130%">BANCO SANTANDER, S.A.</span></div><div style="margin-bottom:9pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:130%">________________________</span></div><div style="margin-bottom:9pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9.5pt;font-weight:700;line-height:130%">TABLE OF CONTENTS</span></div><div style="margin-bottom:9pt;text-align:center"><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:46.360%"><div style="margin-bottom:9pt;padding-left:36pt;padding-right:11.25pt"><span><br/></span></div></div><div style="display:inline-block;max-width:7.277%;min-width:6.277%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:46.363%"></div></div><div style="margin-bottom:10pt;text-align:center"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section 1. Certain financial information included in Banco Santander, S.A.&#8217;s 2025 Form 20-F retrospectively recast as a result of certain changes to the presentation of the Group's financial information.</a></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:59.035%"><tr><td style="width:1.0%"/><td style="width:88.874%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.926%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_31">1. Cross reference to Form 20-F</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823626">2. Presentation of financial and other information</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823640">3. Cautionary statement regarding forward-looking statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_10399">4. Financial information</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">:</span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_529">4.</a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_529">1. </a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_529">G</a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_529">roup selected data</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_532">4.</a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_532">2. </a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_532">Financial perform</a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_532">ance</a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_532">:</a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_532"> </a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_532">2025 vs 2024</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_559">4.3</a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_559">. Financial </a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_559">information by segment:</a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_559"> 2025 vs 2024</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451859">4.4</a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451859">. </a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451859">Financial performance</a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451859">:</a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451859"> </a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451859">2024 vs 2023</a></span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;text-decoration:underline;top:-2.8pt;vertical-align:baseline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;text-decoration:underline;top:-2.8pt;vertical-align:baseline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451859">A</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451941">4.5</a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451941">. Financial </a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451941">information by segment:</a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451941"> 2024 vs 2023</a></span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;text-decoration:underline;top:-2.8pt;vertical-align:baseline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;text-decoration:underline;top:-2.8pt;vertical-align:baseline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451941">A</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.</a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">6.</a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667"> </a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">A</a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">lternative performance measures</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_10446">5</a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_10446">. Risk management information</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Consolidated financial statements for the three years ended 31 December 2025, recast as a result of certain changes to the presentation of the Group&#8217;s financial information.</a></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:46.360%"><div><span><br/></span></div></div><div style="display:inline-block;max-width:7.277%;min-width:6.277%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:46.363%"></div></div><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"> </span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:46.360%"><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:7.277%;min-width:6.277%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:46.363%"></div></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A Under these titles we include information that updates 'Part 2. Supplemental information - 6. Supplement to the operating and financial review disclosure in the directors&#8217; report. Consolidated income statement. Variations 2024 compared to 2023 for the Group and by primary and secondary segments' in our 2025 Form 20-F which incorporated by reference 'Part 1. Consolidated Directors&#180; Report-Economic and Financial review. Section 3.2 and Section 4' in our 2024 Form 20-F.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:46.360%"><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:7.277%;min-width:6.277%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:46.363%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">1</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.244%"><tr><td style="width:1.0%"/><td style="width:2.363%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.333%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.484%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.661%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.661%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.661%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.165%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.360%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.014%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.757%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.360%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.014%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.757%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.360%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.719%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.661%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.360%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.410%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Contents</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Section1. Certain recast financial information</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Section 2. Consolidated recast financial statements</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exhibits</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-top:18pt"><span id="i1a65f28298a049dda884780158e16fec"></span><span style="color:#ee2724;font-family:'Santander Headline',sans-serif;font-size:48pt;font-weight:700;line-height:90%">Section 1</span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:6pt;margin-top:24pt"><span><br/></span></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="ib62bfd3d6ddb4005b10acc0ad1057422"></span><span style="color:#ee2724;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">Certain financial information included in Banco Santander, S.A.&#8217;s 2025 Form 20-F retrospectively recast as a result of certain changes to the presentation of the Group's financial information.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">2</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_31"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:3pt;margin-top:9pt;text-align:center"><span><br/></span></div><div style="margin-bottom:21pt;padding-left:11.34pt;text-indent:-11.34pt"><span id="i2b30af31cb434a9c8814572a5757f6c2"></span><span style="color:#6f7779;font-family:'Santander Headline',sans-serif;font-size:26pt;font-weight:400;line-height:105%">1.</span><span style="color:#6f7779;font-family:'Santander Headline',sans-serif;font-size:26pt;font-weight:400;line-height:105%;padding-left:15.23pt"> Cross reference to Form 20-F</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:489.00pt"><tr><td style="width:1.0pt"/><td style="width:38.50pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:184.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:226.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:31.75pt"/><td style="width:1.0pt"/></tr><tr style="height:12pt"><td colspan="6" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Form 20-F item number and caption</span></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Location</span></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Page</span></div></td></tr><tr style="height:12pt"><td colspan="6" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 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:105%">Presentation of financial and other information</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1264">Section 1. 2 Presentation of financial and other information</a></span></div></td><td colspan="3" style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823626">6</a></span></div></td></tr><tr style="height:21pt"><td colspan="6" style="border-left:1pt solid #000000;padding:2px 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:105%">Cautionary statement regarding forward-looking statements</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1267">Section 1. 3 Cautionary statement regarding forward- looking statements</a></span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823640">9</a></span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">PART I</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #000000;padding:0 1pt"/></tr><tr style="height:21pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ITEM 1.</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">IDENTITY OF DIRECTORS, SENIOR MANAGEMENT AND ADVISERS</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #000000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">A. Directors and senior management</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not required for annual report on Form 20-F</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">B. Advisers</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not required for annual report on Form 20-F</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">C. Auditors</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not required for annual report on Form 20-F</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ITEM 2.</span></div></td><td colspan="3" style="padding:2px 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:105%">OFFER STATISTICS AND EXPECTED TIMETABLE</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #000000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">A. Offer statistics</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not required for annual report on Form 20-F</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">B. Method and expected timetable</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not required for annual report on Form 20-F</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ITEM 3.</span></div></td><td colspan="3" style="padding:2px 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:105%">KEY INFORMATION</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #000000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Selected financial data</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_529">Section 1. 4</a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_529">.1</a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_529"> </a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_529">Group </a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_529">selected data</a></span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_529">11</a></span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">A. [Reserved]</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #000000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">B. Capitalization and indebtedness</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not required for annual report on Form 20-F</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">C. Reasons for the offer and use of proceeds</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not required for annual report on Form 20-F</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">D. Risk factors</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ITEM 4.</span></div></td><td colspan="3" style="padding:2px 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:105%">INFORMATION ON THE COMPANY</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #000000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">A. History and development of the company</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Acquisitions, dispositions, reorganizations </span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Capital increases</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Recent events</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">B. Business overview</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_532">Section 1. 4.2 Financial performance: 2025 vs 2024</a></span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_532">13</a></span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_559">Section 1. 4.3 Financial information by segment: 2025 vs 2024</a></span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_559">32</a></span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451859">Section 1. 4.4 Financial performance: 2024 vs 2023</a></span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451859">58</a></span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451941">Section 1. 4.5 Financial information by segment: 2024 vs 2023</a></span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451941">77</a></span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Selected statistical information</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Competition in Spain</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Supervision and regulation</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">C. Organizational structure</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">D. Property, plants and equipment</span></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ITEM 4A.</span></div></td><td colspan="3" style="padding:2px 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:105%">UNRESOLVED STAFF COMMENTS</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:21pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ITEM 5.</span></div></td><td colspan="3" style="padding:2px 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:105%">OPERATING AND FINANCIAL REVIEW AND PROSPECTS</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #000000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">A. Operating results</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_532">Section 1. 4.2 Financial performance: 2025 vs 2024</a></span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_532">13</a></span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_559">Section 1. 4.3 Financial information by segment: 2025 vs 2024</a></span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_559">32</a></span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451859">Section 1. 4.4 Financial performance: 2024 vs 2023</a></span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451859">58</a></span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451941">Section 1. 4.5 Financial information by segment: 2024 vs 2023</a></span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451941">77</a></span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">B. Liquidity and capital resources</span></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:21pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">C. Research and development, patents and licenses, etc.</span></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">D. Trend information</span></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">E. Critical accounting estimates</span></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:21pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ITEM 6.</span></div></td><td colspan="3" style="padding:2px 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:105%">DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #000000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">A. Directors and senior management</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">B. Compensation</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">C. Board practices</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">D. Employees</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">E. Share ownership</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:21pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">F. Disclosure of a registrant's action to recover erroneously awarded compensation</span></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="height:9.92pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">3</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></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:489.00pt"><tr><td style="width:1.0pt"/><td style="width:38.50pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:184.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:226.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:31.75pt"/><td style="width:1.0pt"/></tr><tr style="height:12pt"><td colspan="6" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Form 20-F item number and caption</span></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Location</span></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Page</span></div></td></tr><tr style="height:21pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ITEM 7.</span></div></td><td colspan="3" style="padding:2px 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:105%">MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #000000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">A. Major shareholders</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">B. Related party transactions</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">C. Interests of experts and counsel</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not required for annual report on Form 20-F</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ITEM 8.</span></div></td><td colspan="3" style="padding:2px 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:105%">FINANCIAL INFORMATION</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #000000;padding:0 1pt"/></tr><tr style="height:21pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">A. Consolidated statements and other financial information</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #000000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Financial statements</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_799">Section 2. </a><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_799">Consolidated financial statements</a></span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_802">118</a></span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Legal proceedings</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Shareholders remuneration</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">B. Significant changes</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not applicable</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ITEM 9.</span></div></td><td colspan="3" style="padding:2px 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:105%">THE OFFER AND LISTING</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #000000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">A. Offer and listing details</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">B. Plan of distribution</span></div></td><td colspan="3" style="padding:2px 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:105%">Not required for annual report on Form 20-F</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">C. Markets</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">D. Selling shareholders</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not required for annual report on Form 20-F</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">E. Dilution</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not required for annual report on Form 20-F</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">F. Expenses of the issue</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not required for annual report on Form 20-F</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ITEM 10.</span></div></td><td colspan="3" style="padding:2px 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:105%">ADDITIONAL INFORMATION</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #000000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">A. Share capital</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not required for annual report on Form 20-F</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">B. Memorandum and articles of association</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">C. Material contracts</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">D. Exchange controls</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">E. Taxation</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">F. Dividends and paying agents</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not required for annual report on Form 20-F</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">G. Statement by experts</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not required for annual report on Form 20-F</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">H. Documents on display</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">I. Subsidiary information</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not required for annual report on Form 20-F</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">J. Annual report to security holders</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not required for annual report on Form 20-F</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:21pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ITEM 11.</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_10446">Section 1. 5 Risk management  information</a></span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_10446">110</a></span></div></td></tr><tr style="height:21pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ITEM 12.</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">DESCRIPTION OF SECURITIES OTHER THAN EQUITY SECURITIES</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #000000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">A. Debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not required for annual report on Form 20-F</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">B. Warrants and rights</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not required for annual report on Form 20-F</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">C. Other securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not required for annual report on Form 20-F</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">D. American Depositary Shares</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">PART II</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #000000;padding:0 1pt"/></tr><tr style="height:21pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ITEM 13.</span></div></td><td colspan="3" style="padding:2px 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:105%">DEFAULTS, DIVIDEND ARREARAGES AND DELINQUENCIES</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not applicable</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:21pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ITEM 14.</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">MATERIAL MODIFICATIONS TO THE RIGHTS OF SECURITY HOLDERS AND USE OF PROCEEDS</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not applicable</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ITEM 15.</span></div></td><td colspan="3" style="padding:2px 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:105%">CONTROLS AND PROCEDURES</span></div></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ITEM 16</span></div></td><td colspan="3" style="padding:2px 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:105%">[Reserved]</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #000000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">A. Audit committee financial expert</span></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">B. Code of ethics</span></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">C. Principal accountant fees and services</span></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:21pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">D. Exemptions from the listing standards for audit committees</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not applicable</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:21pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">E. Purchases of equity securities by the issuer and affiliated purchasers</span></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">F. Change in registrant&#8217;s certifying accountant</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not applicable</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">G. Corporate governance</span></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">H. Mine safety disclosure</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Not applicable</span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:21pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">I. Disclosure regarding foreign jurisdictions that prevent inspections</span></td><td colspan="3" style="padding:2px 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:105%">Not applicable</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">J. Insider trading policies</span></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">K. Cybersecurity</span></td><td colspan="3" style="padding:2px 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:105%">No material changes derived from the recast</span></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">-</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">PART III</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="height:9.92pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">4</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></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:489.00pt"><tr><td style="width:1.0pt"/><td style="width:38.50pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:184.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:226.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:31.75pt"/><td style="width:1.0pt"/></tr><tr style="height:12pt"><td colspan="6" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Form 20-F item number and caption</span></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Location</span></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Page</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ITEM 17.</span></div></td><td colspan="3" style="padding:2px 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:105%">FINANCIAL STATEMENTS</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_799">Section 2. Consolidated financial statements</a></span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_802">118</a></span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ITEM 18.</span></div></td><td colspan="3" style="padding:2px 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:105%">FINANCIAL STATEMENTS</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_799">Section 2. Consolidated financial statements</a></span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_802">118</a></span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ITEM 19</span></div></td><td colspan="3" style="padding:2px 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:105%">EXHIBITS</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="border-right:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">414</a></span></div></td></tr><tr style="height:21pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="height:9.92pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">5</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823626"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:46.364%"><div style="margin-bottom:21pt"><span id="i2beef14d2ee6420b98dd7eaaec55db30"></span><span style="color:#6f7779;font-family:'Santander Headline',sans-serif;font-size:26pt;font-weight:400;line-height:105%">2. Presentation of financial and other information</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i201862315afd4742956625769862b2ee"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">Explanatory Note</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:130%">We are filing this report on Form 6-K to recast certain financial information and related disclosure for the three years ended 31 December 2025 that were included in our annual report on Form 20-F for the fiscal year ended 31 December 2025 filed with the Securities and Exchange Commission (SEC) on 27 February 2026 (the '2025 Form 20-F'), in order to reflect our new reporting structure.</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:130%">On 10 February 2026, the Group announced the implementation of a series of changes to its reporting structure. These changes do not affect the Group&#8217;s attributable profit nor the Group's targets announced in the Q4 2025 results presentation but rather are intended to improve the transparency and comparability of the metrics and financial statements, as well as to align the reporting with the way the bank has been managed since the beginning of 2026.</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:130%">These changes, which affect the statutory and underlying income statements, the segment reporting and certain management metrics, have been applied to the periods presented herein and will apply to the information reported from the first quarter of 2026. These changes do not affect the Group&#8217;s consolidated balance sheet. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%">The main changes are as follows:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ia734652af28a4ac6bbadadbd470081ea"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">a. Poland disposal</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:130%">In the underlying income statement, the results associated with the business subject to the Poland disposal are recorded in a single line item under 'non-recurring items'. Consequently, the global businesses, which, in accordance with IFRS 8, are reported only on an underlying basis, also exclude Poland.</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:130%">Likewise, the underlying ratios, management metrics and business volumes exclude the activity affected by the Poland disposal.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4a847b2cfe8940c6a8a928f515ab7c30"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">b. Classification of certain costs</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:130%">Certain charges that, until 31 December 2025, were recorded under the 'other provisions' line item are now presented in different lines of the income statement. In particular, charges mainly relating to bank levies and other taxes applicable to the banking sector are reclassified to 'other operating costs' to ensure uniformity across the Group.</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:130%">In addition, certain recurring operating charges, primarily related to labour (mainly in Brazil) and legal processes, are presented in 'total costs' (comprising 'administrative expenses and amortizations' and 'other operating costs').</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:7.269%;min-width:6.269%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:46.367%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="id8fc184205d04823b25bfee4c25b4e85"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:112%">c.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%"> <span id="i2bc34210d0184e2988b1961b1168b66c"></span></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:112%">Reporting of the Cards business within Retail &amp; Commercial Banking (Retail)</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:130%">Given that our payments platform strategy is now largely established, we are positioning Payments, renamed Payment Solutions, as the Group&#8217;s payments platform business.</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:130%">In this context, from 1 January 2026, the income statement and balance sheet items relating to the Cards business have been reclassified to Retail (previously recorded in Payments), to better align reporting with the management structure in these businesses in 2026.</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:130%">Plard, the Group&#8217;s card processing platform, remains in Payment Solutions and charges market-based fees to the global businesses for card processing.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="iefffd8eb34ac4f7ebe7bb468a1e57c75"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">d. Cost of risk, NPL ratio and NPL coverage ratio</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:130%">The definitions of the cost of risk, the non-performing loan (NPL) ratio and the NPL coverage ratio have been enhanced to include corporate exposures originated through debt securities issued by non-financial institutions. This adjustment provides a more accurate view of our credit exposure and quality.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i91a732c963484450a84dbdbe80c4b4ae"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">e. RoTE Spain</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:130%">The Santander Spain secondary segment does not have its own accounting tangible equity since it is booked under Banco Santander, S.A., together with other units such as the Corporate Centre. For this reason, a theoretical tangible equity is allocated to the segment.</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:130%">The methodology for allocating such tangible equity to Spain has been updated to increase accuracy, taking into account: i) the amount required to reach a 13% CET1 ratio; and ii) the allocation of deductions and other capital adjustments (add-ons).</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ic0897415f3cd4687ae03aa136a1380dd"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">f. Other changes within the primary segments</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:130%">In addition to the change in the Payments business described in section c, two minor adjustments have been introduced to the primary segments: i) the Digital Consumer Bank (Consumer) business has been renamed Openbank; and ii) Wealth Management &amp; Insurance has been 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 includes the investment platforms and holdings that complement the traditional Wealth business. These changes do not impact figures at the Group or primary segment levels.</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:130%">The Group has recast the corresponding information of earlier periods to reflect these changes in the structure of its internal organization.</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:130%">In this report, we have included only such disclosure as is impacted by the revisions described above and have only revised such disclosure to reflect such revisions, therefore this report does not recast the information in any other part of the 2025 Form 20-F. Accordingly, this report does not, and does not purport to, update any information in such Form 20-F to reflect any events that have occurred after its filing. </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:130%">References in this report to our consolidated financial statements shall be deemed to refer to our recast consolidated </span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">6</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:46.364%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">financial statements and related notes that are also included in this Form 6-K. This Form 6-K should be read in conjunction with the above-mentioned 2025 Form 20-F and our other filings with the SEC.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i227e21d884d04a06af259653708a02ed"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">Accounting principles</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:130%">Under Regulation (EC) No. 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 (a Member State) and whose securities are admitted to trading on a regulated market of any Member State must prepare their consolidated financial statements in conformity with the International Financial Reporting Standards as previously adopted by the European Union (EU-IFRS). The Bank of Spain Circular 4/2004 of 22 December 2004 on Public and Confidential Financial Reporting Rules and Formats (Circular 4/2004) required Spanish credit institutions to adapt their accounting systems to the principles derived from the adoption by the European Union of International Financial Reporting Standards. Circular 4/2004 was repealed on 1 January 2018 by Bank of Spain Circular 4/2017, of 27 November 2017 on Public and Confidential Financial Reporting Rules and Formats (Circular 4/2017). Therefore, Grupo Santander (the 'Group' or 'Santander') is required to prepare its consolidated financial statements for the years ended 31 December 2025, 31 December 2024 and 31 December 2023 in conformity with EU-IFRS and Circular 4/2017. Differences between EU-IFRS, Bank of Spain&#8217;s Circulars and International Financial Reporting Standards as issued by the International Accounting Standards Board (IFRS-IASB) are not material. Therefore, we assert that the financial information contained in this report on Form 6-K complies with IFRS-IASB.</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:130%">Our auditors, PricewaterhouseCoopers Auditores, S.L., an independent registered public accounting firm, have audited our consolidated financial statements as of, and for the years ended, 31 December 2025, 2024 and 2023, which were prepared in accordance with IFRS-IASB. See </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_817">the audit report</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> issued by PricewaterhouseCoopers Auditores, S.L., in Section 2 of this report on Form 6-K. </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:130%">We have presented our financial information according to the classification format for banks used in Spain. We have not reclassified the line items to comply with Article 9 of Regulation S-X, as permitted by the rules and regulations of the SEC. Article 9 is a regulation of the US Securities and Exchange Commission that contains presentation requirements for bank holding company financial statements.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i3d0b5ddca250415e81398d702a591f8b"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">General information </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:130%">Our consolidated financial statements included in Section 2 of this report on Form 6-K are in Euros, which are denoted 'euro', 'euros', 'EUR' or '&#8364;' throughout this report on Form 6-K. Also, throughout this report on Form 6-K, when we refer to:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">'we', 'us', 'our', the 'Group',  'Grupo Santander' or 'Santander', we mean Banco Santander, S.A. and its subsidiaries, unless the context otherwise requires;</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">'dollars', 'USD', 'US$' or '$', we mean United States dollars; and</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">'pounds', 'GBP' or '&#163;', we mean United Kingdom pounds.</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:130%">When we refer to 'net interest income', we mean 'interest income/(charges)'. </span></div></div><div style="display:inline-block;max-width:7.269%;min-width:6.269%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:46.367%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">When we refer to 'staff costs', we mean 'personnel expenses'.</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:130%">When we refer to 'profit before tax', we mean 'operating profit/(loss) before tax'.</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:130%">When we refer to 'average balances' for a particular period, we mean the average of the month-end balances for that period, unless otherwise noted. We do not believe that monthly averages present trends that are materially different from trends that daily averages would show. In calculating our interest income, we include any interest payments we received on non-accruing loans if they were received in the period when due.</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:130%">When we refer to 'loans', we mean loans, leases, discounted bills and accounts receivable, unless otherwise noted. The loan to value ('LTV') ratios disclosed in this report on Form 6-K are calculated as the ratio of the outstanding amount of the loan to the most recent available appraisal value of the mortgaged asset. Additionally, if a loan shows signs of impairment, we update the appraisals which are then used to estimate allowances for loan losses.</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:130%">When we refer to the 'non-performing loans ratio' ('NPL ratio'), we mean credit impaired loans and advances to customers, debt securities issued by non-financial institutions, customer guarantees and customer commitments granted divided by total risk (which comprises total loans and advances to customers, customer guarantees and customer commitments granted, including those that are credit impaired).</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:130%">When we refer to 'credit impaired balances', unless otherwise noted, we mean credit impaired loans and advances to customers, debt securities issued by non-financial institutions, customer guarantees and customer commitments granted.</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:130%">When we refer to 'allowances for credit losses', unless otherwise noted, we mean allowances for inherent losses of impaired assets. Allowances reflect expected credit losses.</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:130%">When we refer to 'perimeter effect', we mean growth or reduction derived from changes in the companies that we consolidate resulting from acquisitions, dispositions or other reasons.</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:130%">Where a translation of foreign exchange is given for any financial data, unless otherwise noted, we use the exchange rates of the relevant period (as of the end of such period for balance sheet data and the average exchange rate of such period for income statement data) as published by the European Central Bank (ECB). </span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">7</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:46.364%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Management makes use of certain financial measures in local currency to help in the assessment of ongoing operating performance. These non-GAAP financial measures include the results of operations of our subsidiary banks located outside the eurozone, excluding the impact of foreign exchange. We analyse these banks&#8217; performance on a local currency basis to better measure the comparability of results between periods. Because changes in foreign currency exchange rates have a non-operating impact on the results of operations, we believe that evaluating their performance on a local currency basis provides an additional and meaningful assessment of performance to both management and the company&#8217;s investors. Variances in financial metrics, excluding the exchange rate impact, are calculated by translating the components of the financial metrics to our euro presentation currency using the same foreign currency exchange rate for both periods presented. For a discussion of the accounting principles used in translation of foreign currency-denominated assets and liabilities to euros, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_868">note 2(a)</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to our consolidated financial statements included in Section 2 of this report on Form 6-K. In addition, throughout this report on Form 6-K we make use of other alternative performance measures. See more information in '</span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6. 'Alternative performance measures (APMs): 2025, 2024 and 2023'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> and in section  6 'Alternative performance measures (APMs)'  in the 'Economic and financial review' chapter of the consolidated directors&#8217; report and note SN 9 'Alternative performance measures (APMs) in the 'Sustainability statement' chapter in the consolidated directors&#8217; report in Part 1 of the 2025 Form 20-F</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:7.269%;min-width:6.269%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:46.367%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">8</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823640"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:46.364%"><div style="margin-bottom:21pt"><span id="ie788f227e7894916b4c5ff2436b6b9d2"></span><span style="color:#6f7779;font-family:'Santander Headline',sans-serif;font-size:26pt;font-weight:400;line-height:105%">3. Cautionary statement regarding forward-looking statements</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:130%">Banco Santander advises that this report on Form 6-K contains statements that constitute 'forward-looking statements' within the meaning of the US Private Securities Litigation Reform Act of 1995. Forward-looking statements include, but are not limited to, information regarding:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">future business development;</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">shareholders' remuneration policy;</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">exposure to various types of market risks;</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">management strategy;</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">capital expenditures;</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">earnings and other targets;</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">asset portfolios; and</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">non-financial information.</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:130%">Forward-looking statements may be identified by words such as 'may', 'will', 'expect', 'project', 'anticipate', 'should', 'intend', 'probability', 'risk', 'VaR', 'RoRAC', 'RoRWA', 'TNAV', 'target', 'goal', 'objective', 'estimate', 'future', 'commitment', 'commit', 'focus', 'pledge' and similar expressions found throughout this report on Form 6-K. We include forward-looking statements throughout this report on Form 6-K, including but not limited to, the 'Operating and financial review and prospects' and 'Quantitative analysis about market risk' sections as well as climate and ESG related metrics, data, targets and other non-financial disclosures. Forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and actual results may differ materially from those in the forward-looking statements.</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:130%">Written and/or oral forward-looking statements may also be made in the periodic reports to the US Securities and Exchange Commission ('SEC'), shareholders' and investors' reports, offering circulars, prospectuses, press releases and other written materials, and in oral statements made by our directors, officers or employees to third parties, including financial analysts.</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:130%">You should understand that the following important factors, in addition to those discussed in section 4. 'Risk factors', section 5.'Information on the Company' and section 6.'Supplement to the operating and financial review disclosure in the directors&#8217; report' in Part 2 of the 2025 Form 20-F, 'Consolidated directors&#8217; report-Economic and financial review' in Part 1 of the 2025 Form 20-F, and elsewhere in the 2025 Form 20-F and in this Form 6-K, could affect our future results and could cause those results or </span></div></div><div style="display:inline-block;max-width:7.269%;min-width:6.269%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:46.367%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">other outcomes to differ materially from those anticipated in any forward-looking statement:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="if34633be88a245a48fe036739c064bee"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">Economic and industry conditions</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">general economic or industry conditions in Spain, the UK, other European countries, the US, Brazil, other Latin American countries and other areas where we have significant operations or investments, including a worsening of the economic environment in these areas and an increase in capital markets volatility;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">climate-related conditions, regulations, targets and weather events;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">uncertainty over the scope of actions that may be required by us, governments and others to achieve goals relating to climate, environmental and social matters, as well as the evolving nature of underlying science and industry and potential conflicts and inconsistencies among governmental standards and regulations;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">exposure to various market risks, principally including interest rate risk, foreign exchange rate risk, equity price risk, inflation, deflation and risks associated with new or modified benchmark indices;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">the effects of a decline in real estate prices, particularly in Spain and the UK;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">the effects of political developments in the UK, including the UK&#8217;s exit from the European Union;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">monetary and interest rate policies of the ECB and various central banks;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">the effects of market behaviour not captured by our statistical models, such as the VaR model we use;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">the inability to hedge some risks economically;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">changes in demographics (including due to an ageing population or migration flows), consumer spending, investment or saving habits;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">changes in energy prices;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">potential losses from early repayments on our loan and investment portfolio, declines in value of collateral securing our loan portfolio, and counterparty risk; and</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">changes in competition and pricing environments, including as a result of the progressive adoption of the internet for conducting financial services and/or other factors.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i58ee291e92be44389812165a440cf02c"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">Political, geopolitical and governmental factors</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">political instability in Spain, the UK, other European countries, the US,  Brazil, other Latin American countries and other areas where we have significant operations or investments;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">changes in monetary, fiscal and immigration policies and trade tensions, including the imposition of tariffs and retaliatory responses;</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">9</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:46.364%"><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">effects of wars and conflicts (including the armed conflicts in Ukraine and the Middle East or other hostilities) or the outbreak of public health emergencies on the global economy;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">changes in Spanish, UK, EU, US, Latin American, or other jurisdictions&#8217; legislation, regulations or taxes, including changes in regulatory capital and liquidity requirements; and</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">increased regulation in response to financial crises.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i41211c0c4c894684a3955203dbd11d66"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">Transaction and commercial factors</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">acquisitions, dispositions or restructurings of businesses that may not be completed in a timely manner or at all and may not perform in accordance with our expectations; and our ability to successfully integrate our acquisitions and related challenges that may result from the diversion of management&#8217;s focus and resources from other strategic opportunities and operational matters;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">reputational risk and potential adverse reactions of customers, employees, vendors or other business partners, including adverse effects on the market price of our securities; and</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">the outcome of our negotiations with business partners and governments.</span></div><div style="margin-bottom:3pt"><span id="i81834653230647f192f812ee88e026a2"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">Operating factors</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">the adequacy of loss reserves;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">potential losses associated with an increase in the level of impairment by counterparties to other types of financial instruments;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">the adequacy of provisions for tax, legal and other contingencies;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">technical difficulties and/or failure to adequately improve or upgrade our information technology;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">changes in our access to liquidity and funding on acceptable terms, including as a result of credit spread shifts or downgrades in our credit ratings or those of our more significant subsidiaries;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">our exposure to operational risks (e.g., failed internal or external processes, people and systems, liabilities derived from utilizing artificial intelligence or potential losses associated with cyberattacks, data breaches, data losses and other security incidents); </span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">limitations in our disclosure controls and procedures over financial and non-financial reporting;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">changes in our ability to recruit, retain and develop appropriate senior management and skilled personnel;</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">the occurrence of force majeure events, such as natural disasters, epidemics and pandemics, that impact our operations or impair the asset quality of our loan portfolio; </span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">the impact of changes in the composition of our balance sheet on future interest income / (charges); and</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%;padding-left:3.11pt">our own decisions and actions including those affecting or changing our practices, operations, priorities, strategies, policies or procedures.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:7.269%;min-width:6.269%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:46.367%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The forward-looking statements contained in this report on Form 6-K speak only as of the date of this report. We do not undertake to update any forward-looking statement to reflect events or circumstances after the date of this report on Form 6-K or to reflect the occurrence of unanticipated events.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">10</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_10399"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:21pt"><span id="i16be836de5f14205850f5a15e73ab949"></span><span style="color:#6f7779;font-family:'Santander Headline',sans-serif;font-size:26pt;font-weight:400;line-height:105%">4. Financial information</span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_529"></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="i465879f1c43d44e186d2c047cc41d44a"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">4.1 Group selected data: 2025, 2024 and 2023</span></div><div style="padding-left:3.97pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.131%"><tr><td style="width:1.0%"/><td style="width:48.302%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.243%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.243%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.467%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.245%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:9pt;font-weight:700;line-height:105%">BALANCE SHEET (EUR million) </span><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="padding:2px 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:105%">Dec-25</span></td><td colspan="3" style="padding:2px 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:105%">Dec-24</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% Dec-25 vs. Dec-24</span></div></td><td colspan="3" style="padding:2px 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:105%">Dec-23</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,867,515</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,837,081&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,797,062&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,037,288</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,054,069&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,036,349&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,041,200</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,055,936&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,047,169&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Total funds </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,363,160</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,348,422&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,306,942&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">112,748</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">107,327&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.1&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">104,241&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%">Note: if we exclude loans, deposits and funds associated with the Poland disposal, as at 31 December 2024 loans and advances to customers would have been EUR 1,017,160 million; customer deposits EUR 1,005,605 million and total funds EUR 1,291,446 million; and as at 31 December 2023 loans and advances to customers would have been EUR 1,003,465 million; customer deposits EUR 1,002,669 million and total funds EUR 1,257,351 million.</span></div><div style="margin-bottom:20pt;padding-left:3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">For further information, see </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6. 'Alternative performance measures: 2025, 2024 and 2023'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:48.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.161%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:9pt;font-weight:700;line-height:105%">INCOME STATEMENT (EUR million)</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% 2025 vs. 2024</span></div></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">42,348</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,787&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,650&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">58,311</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58,043&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,951&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33,532</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,828&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,267&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,681</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,347&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,005&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Profit attributable to the parent</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,101</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,574&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.1&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,076&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:20pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: net operating income is total income minus total costs.</span></div><div style="margin-bottom:20pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:48.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.161%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">EPS AND PROFITABILITY (%) </span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% 2025 vs. 2024</span></div></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Earnings per share (euro)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0.91</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.77&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.65&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">RoE </span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13.9</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">RoTE (post-AT1) </span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16.3</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">RoA </span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.84</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.76&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.69&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #990000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">RoRWA </span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #990000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.44</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #990000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #990000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.18&#160;</span></td><td style="border-bottom:0.5pt solid #990000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #990000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #990000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.95&#160;</span></td><td style="border-bottom:0.5pt solid #990000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:20pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:48.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:9pt;font-weight:700;line-height:105%">UNDERLYING INCOME STATEMENT </span><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">D</span><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:9pt;font-weight:700;line-height:105%"> (EUR million)</span></div></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% 2025 vs. 2024</span></div></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">42,401</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,824&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,718&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">58,308</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57,984&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,940&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">31,898</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,630&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,439&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,936</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,377&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,305&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Profit attributable to the parent</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,152</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,774&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,402&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: net operating income is total income minus total costs.</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">% changes in constant euros (2025 vs. 2024 at 2025 exchange rates):</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="15" style="padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">NII: +0.5%; Total income: +4.5%; Net operating income: +8.6%; Profit before tax: +13.2%; Attributable profit: +16.1%.</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">% changes in constant euros (2024 vs. 2023 at 2024 exchange rates):</span></td><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/></tr><tr><td colspan="15" style="padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">NII: +9.8%; Total income: +10.0%; Net operating income: +14.6%; Profit before tax: +15.9%; Underlying attributable profit: +15.5%.</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:47.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.162%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">UNDERLYING EPS, PROFITABILITY AND EFFICIENCY </span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">C D</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"> (%)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%  2025 vs. 2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Underlying earnings per share (euro)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0.84</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.72&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.61&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Underlying RoE</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13.0</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Underlying RoTE (post-AT1)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15.2</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Underlying RoA </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.79</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.72&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.65&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Underlying RoRWA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.31</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.07&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.86&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">45.3</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47.2&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49.1&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:30pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">11</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:20pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:48.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.161%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">SOLVENCY (%)</span></div></td><td colspan="3" style="padding:2px 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:105%">Dec-25</span></td><td colspan="3" style="padding:2px 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:105%">Dec-24</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Dec-23</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Phased-in CET1 capital ratio</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13.5</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Phased-in total capital ratio</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17.8</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.4&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.4&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:20pt;margin-top:18pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:48.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.161%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">CREDIT QUALITY (%) </span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="padding:2px 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:105%">Dec-25</span></td><td colspan="3" style="padding:2px 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:105%">Dec-24</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Dec-23</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cost of risk </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D E</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.14</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.12&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.13&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.91</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.03&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL coverage ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">66</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">66&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:20pt;margin-top:18pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:48.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.161%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;margin-top:1pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">THE SHARE AND MARKET CAPITALIZATION</span></div></td><td colspan="3" style="padding:2px 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:105%">Dec-25</span></td><td colspan="3" style="padding:2px 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:105%">Dec-24</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% Dec-25 vs. Dec-24</span></div></td><td colspan="3" style="padding:2px 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:105%">Dec-23</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Number of shareholders</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,518,729</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,485,134&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,662,377&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of shares (millions)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,689</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,152&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,184&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Share price (euro)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.070</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.465&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">125.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.780&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Market capitalization (EUR million)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">147,921</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">67,648&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">118.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">61,168&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tangible book value per share (euro)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.76</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.76&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Price / Tangible book value per share (X)</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.75</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.85&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.79&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:18pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:48.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.161%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">CUSTOMERS (thousands)</span></div></td><td colspan="3" style="padding:2px 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:105%">Dec-25</span></td><td colspan="3" style="padding:2px 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:105%">Dec-24</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% Dec-25 vs. Dec-24</span></div></td><td colspan="3" style="padding:2px 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:105%">Dec-23</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total customers</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">174,197</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">166,559&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">158,665&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Active customers </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">101,651</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">98,631&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">95,038&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Digital customers </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">G</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">59,040</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,553&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.3&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50,665&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: data excluding Poland. Including Poland:</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">In 2025: Total customers 180,221; Active customers 106,410; Digital customers 62,982. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">In 2024: Total customers 172,537; Active customers 103,262; Digital customers 59,317.</span></div><div style="margin-bottom:20pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">In 2023: Total customers 164,542; Active customers 99,503; Digital customers 54,161.</span></div><div style="margin-top:20pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:48.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.161%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">OTHER DATA</span></td><td colspan="3" style="padding:2px 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:105%">Dec-25</span></td><td colspan="3" style="padding:2px 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:105%">Dec-24</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% Dec-25 vs. Dec-24</span></div></td><td colspan="3" style="padding:2px 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:105%">Dec-23</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Number of employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">187,539</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">196,088&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">201,942&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Number of branches </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">H</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,765</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,718&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12.3)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,137&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: data excluding Poland. Including Poland:</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">In 2025: Number of employees 198,403; Number of branches 7,124.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">In 2024: Number of employees 206,753; Number of branches 8,086.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">In 2023: Number of employees 212,764; Number of branches 8,518.</span></div><div style="margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:0.1%"/><td style="width:2.170%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:94.159%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.171%"/><td style="width:0.1%"/></tr><tr style="height:5pt"><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Note: for Argentina and any grouping which includes it, the variations in constant euros have been calculated considering the Argentine peso exchange rate on the last working day for each of the periods presented. For further information, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6. 'Alternative performance measures: 2025, 2024 and 2023'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Certain figures contained in this chapter, have been subject to rounding to enhance their presentation. Accordingly, in certain instances, the sum of the numbers in a column or a row in tables contained in this report may not conform exactly to the total figure given for that column or row.</span></div></td><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/></tr></table></div><div style="margin-top:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.6pt">In the consolidated balance sheet, the assets associated with the businesses subject to the Poland disposal are classified under the 'non-current assets held for sale' line item and the related liabilities under 'liabilities associated with non-current assets held for sale' solely for the year ended 31 December 2025. Therefore, this classification does not affect the balance sheet for the years ended 31 December 2024 and 31 December 2023.</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.47pt">Includes customer deposits, mutual funds, pension funds and managed portfolios.</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.64pt">For further information, see </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6. 'Alternative performance measures: 2025, 2024 and 2023'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.03pt">In addition to IFRS measures, we present non-IFRS measures including some which we refer to as underlying measures. These non-IFRS measures exclude items outside the ordinary course of business and reclassify certain items under some headings of the underlying income statement as described at the end of </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_544">5.1 'Results'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> and in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6. 'Alternative performance measures: 2025, 2024 and 2023'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">. In our view, this provides a better year-on-year comparison.</span></div></td></tr><tr><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.86pt">Allowances for loan-loss provisions over the last 12 months / Average loans and advances to customers over the last 12 months and debt securities issued by non-financial institutions over the last 12 months.</span></div></td></tr><tr><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:2.13pt">Those customers who comply with the minimum balance and/or transactionality requirements as defined according to the business area.</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">G.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.09pt">Every physical or legal person, that, being part of a commercial bank, has logged in to its personal area of internet banking or mobile phone or both in the last 30 days.</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">H.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.94pt">For 2025 and 2024 data, we have included the CartaSur points of sale and the banking service points in Argentina, while we have excluded operational</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">&#160;&#160;&#160;&#160;&#160;locations that do not provide customer service in Colombia.</span></div></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">12</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_532"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="i39f489ad42e444ed84b21ec7c3713e28"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">4.2 Financial performance: 2025 vs 2024</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Santander follows IFRS to report its results (see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_847">note 1.b</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements), which generally inform reporting of our financial situation in this report. However, we also use non-IFRS measures and Alternative Performance Measures (APMs) to assess our performance (see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6. 'Alternative performance measures: 2025, 2024 and 2023'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">). Thus, the main adjustments to our IFRS results consist of:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Underlying results measures: we present what we call underlying results measures which exclude items outside the ordinary course of business and reclassify certain items under some headings of the underlying income statement as described at the end of </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_538">4.2.1 &#8216;Results&#8217;</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> and in </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1132">note 52.c</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements. In our view, this provides a better year-on-year comparison.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_559">4.3 'Financial information by segment: 2025 vs 2024'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, we present results by primary and secondary segments only in underlying terms in accordance with IFRS 8. We reconcile them in aggregate terms with our IFRS consolidated results in </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1132">note 52.c</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Local currency measures: we use certain non-IFRS financial indicators in local currency to assess our ongoing operating performance. They include the results from our subsidiary banks outside the eurozone excluding the exchange rate impact (i.e., in constant euros) except for Argentina and any grouping which includes it. For further information, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6. 'Alternative performance measures: 2025, 2024 and 2023'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> which explains how we exclude the exchange rate impact from financial measures in local currency. Because changes in exchange rates have a non-operating impact on results, we believe assessing performance in local currency provides management and investors a more meaningful assessment of performance.  </span></div><div style="margin-bottom:24pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">We have rounded certain figures in this report to present them more clearly. Thus, the amounts given in the totals columns and rows of tables in certain instances may not match the sum of that column or row.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">13</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_538"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="i441c5c2a8c2747ffb2b1a61ef80e90e9"></span><span style="color:#ec0000;font-family:'Santander Text SemiBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">4.2.1 Group results</span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_541"></div><div style="margin-top:9pt;text-align:justify"><span id="ic43b14e20bac4b8d98232af1b8202cbd"></span><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Group statutory income statement</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/></tr></table></div><div><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:99.871%"><tr><td style="width:1.0%"/><td style="width:68.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.458%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Condensed income statement</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Absolute</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income (interest income minus interest expense)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,348&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,787&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,439)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income (commission income minus commission expense)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,976&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,376&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">600&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gains or losses on financial assets and liabilities and exchange differences (net)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,362&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,211&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">151&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Dividend income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">715&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">710&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Income from companies accounted for using the equity method</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">665&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">687&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(22)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other operating income/expenses</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(755)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,728)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">973&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(56.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">58,311</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">58,043</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">268</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating expenses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24,779)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(25,215)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">436&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 5.5pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Administrative expenses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21,601)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(22,036)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">435&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Staff costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(13,656)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13,851)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">195&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Other general administrative expenses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(7,945)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8,185)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">240&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 5.5pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Depreciation and amortization</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,178)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,179)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions or reversal of provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,302)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,062)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">760&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment or reversal of impairment of financial assets not measured at fair value through profit or loss (net)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12,546)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12,136)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(410)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment of other assets (net)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(251)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(624)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">373&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(59.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains or losses on non-financial assets and investments (net)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">368&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(368)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(100.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Negative goodwill recognized in results</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains or losses on non-current assets held for sale not classified as discontinued operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">226&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(27)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">253&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Profit or loss before tax from continuing operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,681</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,347</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,334</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax expense or income from continuing operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,723)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,844)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">121&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Profit from the period from continuing operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,958</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,503</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,455</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit or loss after tax from discontinued operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,542&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,241&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">301&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Profit for the period</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,500</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,744</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,756</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit attributable to non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,399)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,170)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(229)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Profit attributable to the parent</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,101</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,574</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,527</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: the summarized income statement groups some lines of the </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_826">consolidated income statements</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> as follows:</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.6pt">&#8216;Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net&#8217;; &#8216;Gain or losses on financial assets and liabilities held for trading, net&#8217;; &#8216;Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss&#8217;; &#8216;Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net&#8217;; &#8216;Gain or losses from hedge accounting, net&#8217;; and &#8216;Exchange differences, net&#8217;.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.47pt">'Other operating income&#8217;; &#8216;Other operating expenses&#8217;; &#8217;Income from insurance and reinsurance contracts&#8217;; and &#8216;Expenses from insurance and reinsurance contracts&#8217;.</span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">14</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i1238bcf22b9849919aa5334b375d6527"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:121%">Main income statement items</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%">In accordance with IFRS 5 requirements, results associated with the business subject to the Poland disposal are reported under a single line item in the consolidated income statement &#8212; 'profit/(loss) after tax from discontinued operations' &#8212; for the years 2025, 2024 and 2023.</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:130%">In the consolidated balance sheet, the assets associated with the businesses subject to the Poland disposal are classified under the 'non-current assets held for sale' line item and the related liabilities under 'liabilities associated with non-current assets held for sale' solely for the year ended 31 December 2025.</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:130%">Therefore, this classification does not affect the balance sheet for the year ended 31 December 2024.</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:130%">However, to facilitate analysis and ensure comparability of the information in the following tables 'average balance sheet - assets and interest income', 'average balance sheet - liabilities and interest expense', 'volume and profitability analysis', 'volume and cost analysis' and 'net interest income. Volume, profitability and cost analysis summary' were calculated classifying assets and liabilities associated with the businesses subject to the Poland disposal under 'assets/liabilities from discontinued operations' in both periods presented.</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:130%">In 2025, profit attributable to the parent reached a new record of EUR 14,101 million, representing a year-on-year increase of 12%, compared to the EUR 12,574 million recorded in 2024. This increase was backed by the good performance of our global businesses which grew strongly.</span></div><div style="margin-bottom:3pt"><span id="ie5b3690a2710473d84b28c8c82452d8f"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Total income</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:130%">Total income amounted to EUR 58,311 million in 2025, compared to EUR 58,043 million in 2024, a slight increase year-on-year (+0.5%). Net interest income and net fee income accounted for around 95% of total income. By line item:</span></div><div style="margin-bottom:3pt"><span id="ia31354b7415046a08371f22f52c7c22a"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Net interest income</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:130%">Net interest income amounted to EUR 42,348 million, 3% lower than 2024, due to the impact from the sharp fall in interest rates in Argentina compared to 2024, especially in Retail, as well as a decline in Wealth.</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:130%">This decrease was partially offset by the good performance in Openbank, due to active margin management and higher volumes, and, to a lesser extent, in CIB and Payments.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following tables show the average balances of each year <br/>calculated as the monthly average over the period, which we believe should not differ materially from using daily balances, and the interest generated.</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:130%">The tables on the following pages also include average balances and interest rates in 2025 and 2024, based on the domicile of the entities at which the relevant assets or liabilities are recorded. Domestic balances relate to our entities domiciled in Spain. International balances relate to entities domiciled outside of Spain (reflecting our foreign activity), and are divided into mature markets (the US and Europe, except Spain) and developing markets (South America and Mexico).</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:130%">The average balance of interest-earning assets in 2025 was 2% higher than in 2024. The activity of our entities in the domestic market increased 7% year-on-year and 1% in international mature markets, while in international developing markets they decreased 1%.</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:130%">The average balance of interest-bearing liabilities in 2025 was 1% higher year-on-year, with growth in the domestic market (+5% year-on-year) whereas international developing markets were 1% lower year-on-year and international mature markets were flat.</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:130%">The average return on interest-earning assets decreased from 7.03% in 2024 to 6.42% in 2025, due to the lower interest rate environment. By market, it fell 68 bps year-on-year in the domestic market, -53 bps year-on-year in our international mature markets, and -36 bps year-on-year in our international developing markets.</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:130%">The average cost of interest-bearing liabilities decreased 45 bps in 2025 to 3.97%. By market, domestic and international mature markets performed in line with the average yield on assets, decreasing 53 bps and 61 bps, respectively. However, in international developing markets it rose 22 bps.</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:130%">We calculated the change in interest income/(expense) shown in the tables below by:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Applying the interest rate of the previous period to the difference between the average balances from the current and previous periods to obtain the change in volumes.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Applying the difference between the rates from the current and previous periods to the average balance from the previous year to obtain the change in interest rate.</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:130%">Both interest income and expense decreased in 2025, mainly due to lower interest rates across most of our footprint. </span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">15</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:49.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.757%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Average balance sheet - assets and interest income </span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average rate</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash balances at central banks and other deposits on demand, and loans and advances to central banks and credit institutions </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">282,529</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,663</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.84</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">285,813</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,140</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5.65</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">115,906&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,577&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.09&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">108,705&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,701&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.32&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">104,584&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,411&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.22&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">114,350&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,700&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.98&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,039&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,675&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.15&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">62,758&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,739&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">of which:</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Reverse repurchase agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">63,091&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,954&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7.85&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">63,820&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5,533&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8.67&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">34,605&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,646&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.76&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">32,739&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,901&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.81&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6,902&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">415&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.01&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,085&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">492&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.09&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">21,584&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,893&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">13.40&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22,996&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,140&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">13.65&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">1,022,507</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">70,830</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">6.93</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">1,018,241</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">74,900</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">7.36</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">265,675&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,861&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.09&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">265,043&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,272&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.63&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">569,580&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,180&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.65&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">562,488&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,884&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.02&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">187,252&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,789&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.84&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">190,710&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,744&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.07&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 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:105%">of which:</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">71,826&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5,234&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7.29&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">61,528&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,884&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.56&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10,837&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">380&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.51&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,410&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">468&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.77&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">59,968&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,725&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7.88&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">48,161&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,310&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11.03&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,021&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">129&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">12.63&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">957&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">106&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11.08&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">280,413</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">15,890</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">5.67</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">246,539</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">15,431</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">6.26</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">119,990&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,975&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.31&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94,607&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,478&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.68&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71,725&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,539&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.54&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64,140&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,174&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88,698&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,376&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.57&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87,792&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,779&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Income from hedging operations</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">1,420</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">2,470</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">396&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">974&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,001&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">317&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Other interest</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">(93)</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">71</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(256)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(71)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">128&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Total interest-earning assets</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">1,585,449</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">101,710</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">6.42</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">1,550,593</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">109,012</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">7.03</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">501,571&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,553&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.70&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">468,355&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,532&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.38&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">745,889&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,139&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.38&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">740,978&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,801&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.91&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">337,989&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,018&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.73&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">341,260&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,679&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.09&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Other non-interest earning assets</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">190,583</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">193,101</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets from discontinued operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">67,080</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59,578</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average total assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,843,112</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">101,710</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,803,272</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">109,012</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr></table></div><div style="text-indent:-7.09pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">16</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:49.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.757%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Average balance sheet - liabilities and interest expense </span></td></tr><tr><td colspan="24" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Liabilities and stockholders&#8217; equity</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average <br/>balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average <br/>rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average <br/>&#160;balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average <br/>rate</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deposits from central banks and credit institutions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">141,619</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,151</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5.76</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">151,986</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,381</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6.17</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63,551&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,594&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.08&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60,256&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,960&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.91&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,824&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,537&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.83&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,633&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,447&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.48&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,244&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,020&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.69&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,097&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,974&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 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:105%">of which:</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Repurchase agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">69,047&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,696&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.80&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">63,556&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,539&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">43,163&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,910&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.43&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">37,663&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,973&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,195&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">478&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.83&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,773&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">579&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.60&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">17,689&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,308&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">13.05&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,987&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11.61&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">1,024,250</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">31,735</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">3.10</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">994,107</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">35,714</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">3.59</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">354,809&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,884&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.09&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">321,519&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,944&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.54&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">471,883&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,336&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.83&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">472,750&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,283&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">197,558&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,515&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.35&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">199,838&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,487&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 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:105%">of which:</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Repurchase agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">101,424&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7,405&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7.30&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">85,139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,207&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.64&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">33,963&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">798&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.35&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,124&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">586&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.15&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">46,316&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,230&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9.13&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">48,115&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.97&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">21,145&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,377&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11.24&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,900&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,343&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Marketable debt securities </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">308,272</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">15,066</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">4.89</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">307,931</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">14,612</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">4.75</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">136,229&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,890&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.59&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">147,606&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,330&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.61&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">127,870&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,360&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.19&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117,291&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,323&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.54&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,173&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,816&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.90&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,034&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,959&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 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:105%">of which:</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Commercial paper</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20,386&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">759&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.72&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,809&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,244&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11,707&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">347&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.96&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,046&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">727&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.26&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6,962&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">265&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.81&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,143&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">339&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.75&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,717&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">147&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8.56&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,620&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">178&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.99&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Other interest-bearing liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">22,841</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">679</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">2.97</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">22,762</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">672</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">2.95</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,741&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">504&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.84&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,151&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">490&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.86&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,658&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.98&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,707&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.46&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,442&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">139&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.64&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,904&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">165&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.67&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Expenses from hedging operations</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">1,762</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">3,066</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">620&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,159&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,009&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,325&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">133&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">582&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Other interest</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">1,969</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">1,780</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">843&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">741&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">388&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">282&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">738&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">757&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Total interest-bearing liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">1,496,982</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">59,362</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">3.97</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">1,476,786</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">65,225</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">4.42</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">572,330</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,335</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.33</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">546,532</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,624</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.86</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">635,235</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,666</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.41</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">638,381</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,677</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.02</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">289,417</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24,361</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.42</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">291,873</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23,924</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.20</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Other non-interest bearing liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">176,158</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">168,212</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,871</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,398</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total stockholders&#180; equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">101,497</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">96,744</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities from discontinued operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59,604</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,132</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average total liabilities and stockholders&#180; equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,843,112</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59,362</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,803,272</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">65,225</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.6pt">Does not include contingently convertible preference shares and perpetual subordinated notes because they do not accrue interest. We include them under 'Other non-interest-bearing liabilities'.</span></div><div style="text-indent:10.91pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">17</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"/><td style="width:65.220%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.730%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.730%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.986%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.734%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Volume and profitability analysis </span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025 vs. 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Increase (decrease) due to changes in</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Interest income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Volume</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total change</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Cash and deposits on demand and loans and advances to central banks and credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(231)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,246)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,477)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">295&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,419)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,124)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(460)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(829)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,289)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(66)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(64)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 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:105%">of which:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(157)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(422)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(579)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 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:105%">Domestic</span></td><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">104&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(359)</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(255)</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 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:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(71)</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(6)</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(77)</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 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:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(190)</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(57)</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(247)</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loans and advances to customers</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(65)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(4,005)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(4,070)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,440)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,411)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">423&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,127)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,704)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(517)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(438)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(955)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 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:105%">of which:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,080&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1,730)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(650)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 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:105%">Domestic</span></td><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(57)</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(31)</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(88)</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 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:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,130&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1,715)</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(585)</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 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:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">23&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Debt securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,231</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(772)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">459</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">866&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(369)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">497&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">265&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">365&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(503)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(403)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Income from hedging income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,050)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,050)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">244&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">244&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,027)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,027)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(267)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(267)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other interest</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(164)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(164)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(185)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(185)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 12.25pt 2px 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:105%">Total interest-earning assets</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">(279)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">(7,023)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">(7,302)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,249</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3,228)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,979)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(806)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,856)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3,662)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(722)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(939)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,661)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">18</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"/><td style="width:65.220%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.730%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.730%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.986%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.734%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Volume and cost analysis </span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025 vs. 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Increase (decrease) due to changes in</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Interest expense</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Volume</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total change</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deposits from central banks and credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(561)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(669)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,230)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">155&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(521)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(366)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(643)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(267)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(910)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(73)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">119&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 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:105%">of which:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 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:105%">Repurchase agreements</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">297&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">(140)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">157&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Domestic</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">266&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(329)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(63)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(37)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(64)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(101)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">68&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">253&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">321&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Customer deposits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">277</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(4,256)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(3,979)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">473&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,533)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,060)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(30)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,917)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,947)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(166)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">194&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 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:105%">of which:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">172&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(974)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(802)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Domestic</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">550&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(338)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">212&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(191)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(857)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,048)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(187)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">221&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Marketable debt securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">158</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">296</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">454</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(409)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(440)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">460&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(423)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">107&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">750&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">857&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 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:105%">of which:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Commercial paper</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(191)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(294)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(485)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Domestic</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(193)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(187)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(380)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(66)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(74)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(41)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(31)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other interest-bearing liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(26)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">33</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(43)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Expenses from hedging expenses</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,304)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,304)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(539)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(539)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(316)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(316)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(449)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(449)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other interest</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">189</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">189</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">102&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">102&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">106&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">106&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(19)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(19)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 12.25pt 2px 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:105%">Total interest-bearing liabilities</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">(1,267)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">(4,596)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">(5,863)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(201)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,088)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,289)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(423)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3,588)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,011)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(643)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,080</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">437</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:9pt;text-align:center"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">19</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"/><td style="width:65.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.746%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.746%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.840%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.749%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Net interest income. Volume, profitability and cost analysis summary </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025 vs. 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Increase (decrease) due to changes in</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Volume</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total change</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 5.5pt 2px 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:105%">Interest income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(279)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(7,023)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(7,302)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,249&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,228)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,979)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(806)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,856)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,662)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(722)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(939)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,661)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 12.25pt 2px 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:105%">Interest expense</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">(1,267)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">(4,596)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">(5,863)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(201)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,088)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,289)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(423)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,588)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,011)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(643)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,080&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">437&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 12.25pt 2px 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:105%">Net interest income</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">988</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">(2,427)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">(1,439)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,450</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,140)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">310</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(383)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">732</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">349</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(79)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,019)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,098)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Net interest income</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr></table></div><div style="margin-bottom:9pt"><img src="san-20251231_g1.jpg" alt="5675" style="height:208px;margin-bottom:5pt;vertical-align:text-bottom;width:241px" id="i-1"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:60.00pt"><tr><td style="width:1.0pt"/><td style="width:42.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:13.75pt"/><td style="width:1.0pt"/></tr><tr style="height:26pt"><td colspan="3" style="background-color:#ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">-3%</span></td><td colspan="3" style="background-color:#ec0000;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="6" style="background-color:#ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">2025 vs. 2024</span></td></tr><tr style="height:36pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Net fee income</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr></table></div><div style="margin-bottom:6pt;text-indent:-4.25pt"><img src="san-20251231_g2.jpg" alt="5681" style="height:209px;margin-bottom:5pt;vertical-align:text-bottom;width:241px" id="i-2"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:59.25pt"><tr><td style="width:1.0pt"/><td style="width:45.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:10.00pt"/><td style="width:1.0pt"/></tr><tr style="height:26pt"><td colspan="3" style="background-color:#ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">+5%</span></td><td colspan="3" style="background-color:#ec0000;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="6" style="background-color:#ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">2025 vs. 2024</span></td></tr><tr style="height:36pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div></div><div style="margin-bottom:3pt"><span id="i03dd1247a8664307a16fa46108b15860"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Net fee income</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Net fee income totalled EUR 12,976 million in 2025 and grew 5% compared to 2024, with good performances across most businesses, especially in Retail, Wealth and CIB. </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:130%">For more details, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1069">note 41</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> and </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1072">note 42</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements.</span></div><div style="margin-bottom:3pt"><span id="i8a95c1f2b4414257af4ce4d987787207"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Gains or losses on financial assets and liabilities and exchange differences (net)</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:130%">Gains on financial assets and liabilities and exchange differences (net) stood at EUR 2,362 million (EUR 2,211 million in 2024), mainly due to lower impacts from foreign exchange hedges in Corporate Centre and results in Wealth. </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:130%">Gains or losses on financial assets and liabilities stem from mark-to-market valuations of the trading portfolio and derivative instruments, which include spot market foreign exchange transactions, sales of investment securities and liquidation of our hedging and other derivative positions.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For more details, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1075">note 43</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements. </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:130%">Exchange rate differences primarily show gains and losses from foreign exchange and the differences that arise from converting monetary items in foreign currencies to the functional currency, and from selling non-monetary assets denominated in foreign currency at the time of their disposal. Given that Santander manages currency exposures with derivative instruments, the changes in this line should be analysed together with gains or losses on financial assets and liabilities.</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:130%">For more details, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1078">note 44</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">20</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt"><span id="ibb50f5cdf9794632a2d28aeef7cb075a"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Dividend income</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:130%">Dividend income was EUR 715 million in 2025 (EUR 710 million in 2024).</span></div><div style="margin-bottom:3pt"><span id="ibbcdbf5382874132be0fabcf6c638953"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Income from companies accounted for using the equity method</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:121%">Income from companies accounted for using the equity method reached EUR 665 million in 2025 compared to EUR 687 million in 2024.</span></div><div style="margin-bottom:3pt"><span id="iac318002793a4c819b9058048c70888f"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Other operating income/expenses</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:130%">Other operating income recorded a loss of EUR 755 million in 2025. This compares to a EUR 1,728 million loss in 2024 affected by a larger hyperinflation adjustment in Argentina and the charge relating to the temporary levy on revenue earned in Spain (EUR 335 million), whereas in 2025 the tax on expected revenue earned in Spain for the year was recorded under the &#8216;tax expense or income from continuing operations' line.</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:130%">For more details, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1081">note 45</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statement.</span></div><div style="margin-bottom:3pt"><span id="i4f56f88d44534b8694c9777914a39e0a"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Operating expenses</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:130%">Operating expenses amounted to EUR 24,779 million in 2025, 2% lower than 2024, reflecting our progress in transformation. </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:130%">Our costs management continued to focus on improving our efficiency ratio and, as a result, we remained among the most efficient global banks.</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:130%">Our business transformation plan, ONE Transformation, continued to progress across our footprint, reflected in increased operational leverage and better business dynamics.</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:130%">For more details, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1084">note 46</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> and </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1099">note 47</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i843ff00e2a234ef0b7ab4264060ee123"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Provisions or reversal of provisions</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:130%">Provisions (net of provisions reversals) amounted to EUR 2,302 million in 2025 compared to EUR 3,062 million in 2024 which included the charges after discontinuing our Superdigital platform in Latin America in Q2 2024.</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:130%">Additionally, both </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.4pt;font-weight:400;letter-spacing:-0.007em;line-height:130%">in Q4 2025 and Q4 2024 provisions included charges for potential complaints related to motor finance dealer </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.4pt;font-weight:400;letter-spacing:-0.007em;line-height:130%">commissions in the UK (EUR 214 million and EUR 353 million, respectively)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">.</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:130%">For more details, see</span><span style="color:#64a0b9;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_991">note 25</a></span><span style="color:#64a0b9;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">to the consolidated financial statements. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i5816749a0ae7496d859434c5bb0372cc"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Impairment or reversal of impairment of financial assets not measured at fair value through profit or loss (net)</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:130%">Net impairments totalled EUR 12,546 million in 2025 (impairment of EUR 12,136 million in 2024).</span></div><div style="margin-bottom:3pt"><span id="i95e71ece94d14dfda7aa8870ea72bfb1"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Impairment on other assets (net)</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:130%">Impairment on other assets (net) was EUR 251 million in 2025. In 2024, the impairment amounted to EUR 624 million and included the charge registered in Q2 2024 in PagoNxt after discontinuing our merchant platform in Germany. </span></div><div style="margin-bottom:3pt"><span id="i1d7e6bc89058428cbfb110eceb10b213"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Gains or losses on non-financial assets and investments (net)</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:121%">No amount was recorded in gains or losses on non-financial assets and investments (net) in 2025. In 2024, it stood at EUR 368 million and included the gain recorded in Q2 2024 from an agreement with Sodexo in Brazil (EUR 352 million).</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:130%">For more details, see</span><span style="color:#64a0b9;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1111">note 48</a></span><span style="color:#64a0b9;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">to the consolidated financial statements.</span></div><div style="margin-bottom:3pt"><span id="i09b7ae02a0234af8b5e4a34a9694b792"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Negative goodwill recognized in results</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:121%">In 2025, negative goodwill recognized in results was EUR 22 million relating to the acquisition of CrediScotia Financiera from Scotiabank in Q1 2025 which expands Openbank's presence in Peru. No negative goodwill was recorded in 2024.</span></div><div style="margin-bottom:3pt"><span id="i00fc5bc19bd646889a5e3bddfd4e0fa2"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Gains or losses on non-current assets held for sale not classified as discontinued operations</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:121%">This item, which mainly includes impairment of foreclosed assets recorded and the sale of properties acquired upon foreclosure, recorded a EUR 226 million gain in 2025 which included a capital gain of EUR 231 million in Q2 2025 from the sale of Santander&#8217;s remaining 30.5% stake in CACEIS. In 2024, this line recorded a loss of EUR 27 million.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For more details, see</span><span style="color:#64a0b9;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1114">note 49</a></span><span style="color:#3051f2;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">to the consolidated financial statements.</span></div><div><span><br/></span></div></div></div><div><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">21</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:76.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.160%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Impairment or reversal of impairment of financial assets not measured at fair value through profit or loss (net)</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,517&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,137&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Impairment or reversal of impairment of financial assets not measured at fair value through profit or loss and net gains and losses from changes</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,546</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,136</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:18pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:76.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.160%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Impairment on other assets (net)</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Impairment of investments in subsidiaries, joint ventures and associates, net</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Impairment on non-financial assets, net</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">251</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">624</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Tangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">129&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">382&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Intangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">112&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">231&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Others</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Impairment on other assets (net)</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">251</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">624</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt"><span id="i11a224cbe7824c2a92620aa0ff000d90"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Profit or loss before tax from continuing operations</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:130%">Profit before tax was EUR 18,681 million in 2025, +8% year-on-year, supported by the good performance of net fee income and cost discipline. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="iec59c4ca270d4b7e8a21a257065c2ffd"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Tax expense or income from continuing operations</span></div><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Total tax expense from continuing operations was EUR 4,723 million in 2025 (compared to EUR 4,844 million in 2024) which includes EUR 353 million corresponding to the expected tax on income obtained in Spain for the year.</span></div><div style="margin-bottom:3pt"><span id="i23c9e2e565864fa89e25733bc7b3cb17"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Profit or loss after tax from discontinued operations</span></div><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Profit or loss after tax from discontinued operations totalled EUR 1,542 million in 2025 compared to EUR 1,241 million in 2024. This line records the results associated with the Poland disposal, which increased year-on-year driven by a good revenue performance and lower provisions.</span></div><div style="margin-bottom:9pt;margin-top:3pt"><span><br/></span></div><div style="margin-bottom:3pt;margin-top:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Profit attributable to the parent</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><img src="san-20251231_g3.jpg" alt="11554" style="height:202px;margin-bottom:5pt;vertical-align:text-bottom;width:241px" id="i-3"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:59.25pt"><tr><td style="width:1.0pt"/><td style="width:39.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:16.00pt"/><td style="width:1.0pt"/></tr><tr style="height:26pt"><td colspan="3" style="background-color:#ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">+12%</span></td><td colspan="3" style="background-color:#ec0000;padding:0 1pt"><div><span><br/></span></div></td></tr><tr style="height:11pt"><td colspan="6" style="background-color:#ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">2025 vs. 2024</span></td></tr><tr style="height:36pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span id="i1b37724ecc6246dd87fa354f26d5ec7f"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Profit attributable to non-controlling interests</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:130%">Profit attributable to non-controlling interests stood at EUR 1,399 million in 2025 (EUR 1,170 million in 2024).</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:130%">For more details, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1021">note 28</a></span><span style="color:#3051f2;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">to the consolidated financial statements.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i03133df8870a442eac06b535df423466"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Profit attributable to the parent</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:130%">Profit attributable to the parent amounted to EUR 14,101 million in 2025, 12% higher than the EUR 12,574 million in 2024.</span></div><div style="margin-bottom:6pt"><span><br/></span></div><div style="margin-top:90pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Earnings per share</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR </span></td></tr></table></div><div style="margin-bottom:9pt"><img src="san-20251231_g4.jpg" alt="11937" style="height:201px;margin-bottom:5pt;vertical-align:text-bottom;width:241px" id="i-4"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.00pt"><tr><td style="width:1.0pt"/><td style="width:34.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:16.00pt"/><td style="width:1.0pt"/></tr><tr style="height:26pt"><td colspan="6" style="background-color:#ee2724;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">+17%</span></td></tr><tr style="height:11pt"><td colspan="6" style="background-color:#ee2724;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">2025 vs. 2024</span></td></tr><tr style="height:36pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">22</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_544"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:3pt;text-align:justify"><span id="i8b45c43329314af1bd70470a9c92ab63"></span><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Group underlying income statement</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:2.5pt solid #6f7779;padding:0 1pt"/></tr></table></div><div style="margin-bottom:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:16.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.751%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.751%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.500%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Attributable</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Underlying</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Profit</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">RoTE (post-AT1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Profit</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">RoTE (post-AT1)</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:4pt;margin-top:12pt;text-align:center"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:110%">EUR 14,101 million</span></div></td><td colspan="3" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">+12% in euros</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="9" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:4pt;margin-top:12pt;text-align:center"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:110%">16.3%</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:4pt;margin-top:12pt;text-align:center"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:110%">EUR 13,152 million</span></div></td><td colspan="3" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">+12% in euros</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="9" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:4pt;margin-top:12pt;text-align:center"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:110%">15.2%</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:14pt"><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">+16% in constant euros </span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="9" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">+0.8 pp</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">+16% in constant euros </span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="9" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">+0.8 pp</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:1pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: changes vs. 2024.</span></div></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #9c9c9c;padding:0 1pt"/><td colspan="9" style="border-bottom:1pt solid #9c9c9c;padding:0 1pt"/><td colspan="9" style="border-bottom:1pt solid #9c9c9c;padding:0 1pt"/><td colspan="9" style="border-bottom:1pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9c9c9c;padding:0 1pt"/></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%"> </span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Below is the condensed income statement adjusted for items beyond the ordinary course of business and reclassification of certain items under some headings of the underlying income statement, as described in </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1132">note 52.c</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements, where our segments' aggregate underlying consolidated results are reconciled to the statutory consolidated results.</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:130%">In the underlying income statement, results obtained in Poland are reported in the 'non-recurring items' line item for 2025 and 2024, so that it is excluded from underlying profit at both the Group and global business levels. </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:130%">Therefore, all underlying ratios and management metrics included in this underlying income statement section have been calculated excluding Poland. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The Group presents, both at the total Group level and for each of the business units, the changes in euros registered in the income statement, as well as variations excluding the exchange rate effect (i.e. in constant euros, except for Argentina and any grouping which includes it), understanding that the latter provide a better analysis of the Group&#8217;s management. For further information, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6. 'Alternative performance measures (APMs): 2025, 2024 and 2023'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">.</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:130%">At the Group level, exchange rates had an unfavourable year-on-year impact of 4.0 pp on total income and a favourable impact of 3.5 pp on total costs, mainly due to the depreciation of the Brazilian real and the Mexican peso.</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:130%">To better understand the business trends, we reclassified certain items under some headings of the underlying income statement. These reclassifications between the statutory and underlying income statements include: </span></div><div style="margin-bottom:9pt;margin-top:4pt;text-align:justify;text-indent:10.91pt"><span><br/></span></div></div></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:56.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.347%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Condensed underlying income statement</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change</span></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Absolute</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,401&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">43,824&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,423)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(3.2)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">0.5</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,928&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,335&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">593&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">4.8</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">9.1</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions and exchange differences </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,354&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,216&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">138&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">6.2</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">9.7</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">625&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(391)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,016&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">58,308</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">57,984</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">324</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">0.6</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4.5</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26,410)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(27,354)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">944&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(3.5)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">0.0</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31,898</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">30,630</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,268</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4.1</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">8.6</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12,128)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(11,822)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(306)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2.6</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">8.1</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(834)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,431)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">597&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(41.7)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(41.3)</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18,936</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,559</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9.0</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13.2</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,939)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,853)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(86)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1.8</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">5.3</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,997</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,524</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,473</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11.8</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">16.2</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,997</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,524</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,473</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11.8</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">16.2</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(845)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(750)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(95)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,152</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,774</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,378</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11.7</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">16.1</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-recurring items</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">949&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">800&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">149&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">18.6</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">18.6</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit attributable to the parent</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">14,101</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,574</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,527</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12.1</span></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">16.3</span></td><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.85pt">Excluding non-recurring items.</span></div><div style="text-indent:6.66pt"><span><br/></span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:115%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%;padding-left:3.85pt">In 2025:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">As previously explained, in the statutory income statement, results associated with the business subject to the Poland disposal are reported in the 'profit/(loss) after tax from discontinued operations' line item.</span></div><div style="margin-bottom:7pt;padding-left:7.08pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">However, in the underlying income statement, the results related to the business subject to the Poland disposal are excluded line-by-line from the underlying income statement and recorded in the 'non-recurring items' line.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">As explained in </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1132">note 52.c</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, certain charges recorded in the statutory account under the line items that comprise 'other </span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">23</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">gains (losses) and provisions' are presented in the underlying income statement under the 'total costs' line item. These are mainly recurring operating charges, primarily related to labour and legal processes, and exclude EUR 620 million of restructuring charges and EUR 214 million of provisions for potential complaints related to motor finance dealer commissions.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">A capital gain, that falls outside the ordinary course of our business, in Q2 2025 of EUR 231 million from the sale of Santander&#8217;s remaining 30.5% stake in CACEIS. </span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">A one-off charge of EUR 467 million in Q2 2025 (EUR 231 million net of tax and minority interests), which strengthens the balance sheet after having updated macroeconomic parameters in Brazil&#8217;s credit provisioning models.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In 2024:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">As previously explained, in the statutory income statement, results associated with the business subject to the Poland disposal are reported in the 'profit/(loss) after tax from discontinued operations' line item.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">However, in the underlying income statement, the results related to the business subject to the Poland disposal are excluded line-by-line from the underlying income statement and recorded in the 'non-recurring items' line.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">As explained in </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1132">note 52.c</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, certain charges recorded in the statutory account under the line items that comprise 'other gains (losses) and provisions' are presented in the underlying income statement under the 'total costs' line item. These are mainly recurring operating charges, primarily related to labour and legal processes, and exclude EUR 835 million of restructuring charges, EUR 353 million of provisions for potential complaints related to motor finance dealer commissions and EUR 243 million from charges related to the discontinuation of our merchant platform in Germany and Superdigital in Latin America.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Provisions which strengthen the balance sheet in Brazil of EUR 352 million gross in Q2 2024 (EUR 174 million net of tax and minority interests) which were compensated by gains on the sale of our stake in Pluxee in Brazil. </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:130%">Additionally, regarding results that fall outside the ordinary course of our business and are therefore excluded from the underlying income statement and recorded in the 'non-recurring items' line:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In 2025:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">As previously explained, results obtained in Poland are reported in the 'non-recurring items' line.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Additionally, it includes the following two events of the same value but opposite signs:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">-</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt">A capital gain in Q2 2025 of EUR 231 million from the sale of Santander&#8217;s remaining 30.5% stake in CACEIS.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">-</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt">A one-off charge of EUR 467 million in Q2 2025 (EUR 231 million, net of tax and minority interests), which strengthens the balance sheet after having updated macroeconomic </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">parameters in Brazil&#8217;s credit provisioning models, in accordance with IFRS 9 regulations.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In 2024:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">As previously explained, results obtained in Poland are reported in the 'non-recurring items' line.</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:130%">For more details, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1132">note 52.c</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements.</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:130%">As a result, profit attributable to the parent was EUR 14,101 million, increasing 12% in euros and 16% in constant euros compared to 2024, while underlying profit was EUR 13,152 million in 2025 which also represented a rise of 12% in euros and 16% in constant euros compared to 2024.</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:130%">The year-on-year comparisons of both attributable profit and underlying profit were favoured mainly by the charges in Q2 2024 related to the discontinuation of our merchant platform in Germany and Superdigital in Latin America (EUR 243 million, net of tax and minority interests) and the charge in Q4 2025 related to the provisions recorded for complaints related to motor finance dealer commissions in the UK that was less than the provision in Q4 2024.</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:700;line-height:121%">Total income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%"> amounted to EUR 58,308 million in 2025, a 1% increase year-on-year. </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">In constant euros, total income rose by 5% year-on-year, as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> (NII) totalled EUR 42,401 million and increased by 1% year-on-year, even after the impact from the sharp fall in interest rates in Argentina. Excluding Argentina, NII increased 4%. By business:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Retail</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, which represented 62% of the NII of the total operating areas, NII decreased by 1%. Excluding Argentina, it improved 2%, with positive performances across most countries. Of note were Mexico, due to volumes and a lower cost of deposits, Chile supported by a lower cost of deposits and the UK, driven by higher mortgage profitability and a lower cost of deposits.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">NII grew strongly (+5%) in</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"> Openbank</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> (26% of the NII of the total operating areas), with positive trends across almost all of our footprint, boosted by active margin management and higher volumes in Openbank Europe and Latin America and additionally favoured by CrediScotia's integration in Peru.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"> CIB, </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">NII increased by 6%, boosted by G</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.005em;line-height:130%">lobal Markets in Europe and the US</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">. </span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Wealth</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, NII decreased by 14%, affected by some deposit cost inelasticity to interest rate declines in Private Banking and by the lower yield on assets in a lower interest rate environment.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Payments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, NII grew strongly, +36%, due to higher activity.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Net fee income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> reached EUR 12,928 million, increased by 9% year-on-year, achieving a new record, with growth across all businesses. This excellent net fee income performance was underpinned by higher customer activity, network benefits and greater collaboration between our global businesses. By business:</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">24</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Retail</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, net fee income increased by 9%, supported by higher commercial activity and a larger customer base. </span></div><div style="padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Openbank</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, net fee income was relatively stable, as double-digit growth in the US and Latin America was offset by lower net fee income in Openbank Europe which was impacted by new insurance regulation in Germany.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">CIB</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, net fee income increased by 9%, reaching record levels </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.005em;line-height:130%">with growth in all business lines</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Wealth</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, net fee income rose by </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.005em;line-height:130%">17</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">%, with the largest contribution coming from Private Banking and the asset management business.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Payments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, net fee income increased by 16%, boosted by higher activity. </span></div></div></div><div style="margin-bottom:15pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:71.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.382%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Net fee income</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Asset management business, funds and insurance</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,377&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,244&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit and debit cards</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,296&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,250&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Securities and custody services</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,412&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,251&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Account management and availability fees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,913&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,953&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cheques and payment orders</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">747&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">795&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Foreign exchange</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">761&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">632&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Charges for past-due/unpaid balances and guarantees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">475&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">313&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Bill discounting</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">129&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">818&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">758&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,928</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,335</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Gains on financial transactions and exchange differences </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">increased by 10%, mainly due to lower impacts from foreign exchange hedges in the Corporate Centre and results in Wealth. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Other operating income </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">improved in 2025 compared to 2024, primarily due to a less negative impact from the hyperinflation adjustment in Argentina and the temporary levy on revenue earned in Spain, which is recorded in this line in 2024, whereas in 2025 the expected tax on revenue earned in Spain for the year was recorded under the &#8216;tax on profit' line.</span></div><div style="margin-bottom:9pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Total income</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr></table></div><div><img src="san-20251231_g5.jpg" alt="7479" style="height:162px;margin-bottom:5pt;vertical-align:text-bottom;width:241px" id="i-5"/><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">  </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.00pt"><tr><td style="width:1.0pt"/><td style="width:37.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:12.25pt"/><td style="width:1.0pt"/></tr><tr style="height:26pt"><td colspan="2" style="background-color:#ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:700;line-height:121%">+1</span><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">&#160;</span></td><td style="background-color:#ee2724;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:700;line-height:121%">%</span></td><td colspan="3" style="background-color:#ee2724;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:6.5pt;font-weight:700;line-height:121%;position:relative;top:-3.5pt;vertical-align:baseline">A</span></div></td></tr><tr style="height:12pt"><td colspan="6" style="background-color:#ee2724;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">2025 vs. 2024</span></td></tr><tr style="height:26pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt;padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. In constant euros: +5%.</span></div><div style="margin-bottom:15pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Total costs</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%"> in 2025 totalled EUR 26,410 million, down 3% year-on-year. In constant euros, costs were flat year-on-year. In real terms, excluding the impact of average inflation and in constant euros, they fell 3% year-on-year (for further information, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6. 'Alternative performance measures (APMs): 2025, 2024 and 2023'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%">).</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">We continued to progress with our business transformation plan, ONE Transformation, reflected in greater operational leverage, better business dynamics and more streamlined and agile structures. </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">By business and in constant euros:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Retail</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, total costs declined 1%. In real terms they fell 5%, driven by the transformation efforts through organizational and process simplification and the implementation of our global platform and lower charges in the 'other operating costs' line. The efficiency ratio improved to 42.9%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Openbank</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, total costs increased by 4% year-on-year. In real terms, they grew 2%, driven by our investments in platforms and our digital bank, as well as the CrediScotia integration, which were partially offset by savings from our efficiency and transformation efforts. The efficiency ratio stood at 43.6%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">CIB</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, total costs decreased by 1% (-4% in real terms), as our investments in new products and capabilities to support growth were more than offset by lower charges in the 'other operating costs' line. The efficiency ratio stood at 46.8%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Wealth</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, total costs rose 6% (+3% in real terms), reflecting investments made to strengthen PB teams and to develop new capabilities to address the increase in commercial activity. The efficiency ratio improved to 35.7%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Payments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, total costs grew by 2%, but improved 1% in real terms, even with our investments in platforms.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">25</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:71.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.382%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Total costs</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Staff costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,656&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,827&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 5.5pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other administrative expenses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,923&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,129&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #b2b2b2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Information technology</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,344&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,579&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #b2b2b2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Communications</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">367&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">387&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #b2b2b2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Advertising</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">517&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">512&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #b2b2b2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Buildings and premises</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">702&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">711&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #b2b2b2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Printed and office material</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">86&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #b2b2b2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Taxes (other than tax on profits)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">543&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">554&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #b2b2b2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other expenses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,349&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,300&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #b2b2b2;padding:2px 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:105%">Administrative expenses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,579</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,956</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Depreciation and amortization</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,178&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,179&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Operating expenses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24,757</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,135</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other operating costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,653&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,219&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">26,410</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">27,354</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:27pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Efficiency ratio</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td></tr></table><img src="san-20251231_g6.jpg" alt="1649267473169" style="height:188px;margin-bottom:5pt;vertical-align:text-bottom;width:241px" id="i-6"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.00pt"><tr><td style="width:1.0pt"/><td style="width:31.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:18.25pt"/><td style="width:1.0pt"/></tr><tr style="height:26pt"><td colspan="3" style="background-color:#ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">-1.9</span></td><td colspan="3" style="background-color:#ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:9pt;font-weight:400;line-height:121%">pp</span></td></tr><tr style="height:11pt"><td colspan="6" style="background-color:#ee2724;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">2025 vs. 2024</span></td></tr><tr style="height:36pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></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:130%">Our cost management continued to focus on structurally improving our efficiency. As a result, we improved our efficiency ratio by 1.9 pp to 45.3%.</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:130%">All in all, </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> reached EUR 31,898 million, up  4% year-on-year. In constant euros, it rose by 9%, mainly driven by the good revenue performance (particularly in net fee income), while total costs were stable.</span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> in 2025 amounted to EUR 12,128 million, a 3% increase year-on-year. </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:130%">In constant euros, they rose 8%, mainly due to: i) higher LLPs in Retail, as an increase in card provisions driven by strong loan growth and a less favourable macro environment in some of our countries more than offset a positive performance in the other Retail portfolios; and ii) the increase in the Corporate Centre due to provisions in H1 2025 related to our plan to accelerate NPL ratio reductions, improving the Group's credit quality. </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:130%">The cost of risk stood at 1.14% as of 31 December 2025. For more details, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_709">5.1. 'Key credit risk metrics'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Net loan-loss provisions</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr></table><img src="san-20251231_g7.jpg" alt="10441" style="height:188px;margin-bottom:5pt;vertical-align:text-bottom;width:241px" id="i-7"/><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%"> </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.00pt"><tr><td style="width:1.0pt"/><td style="width:37.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:12.25pt"/><td style="width:1.0pt"/></tr><tr style="height:26pt"><td colspan="2" style="background-color:#ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:700;line-height:121%">+3</span><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">&#160;</span></td><td style="background-color:#ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:700;line-height:121%">%</span></td><td colspan="3" style="background-color:#ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:6.5pt;font-weight:700;line-height:121%;position:relative;top:-3.5pt;vertical-align:baseline">A</span></div></td></tr><tr style="height:11pt"><td colspan="6" style="background-color:#ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">2025 vs. 2024</span></td></tr><tr style="height:36pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt;margin-top:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">A. In constant euros: +8%.</span></div><div style="margin-bottom:9pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:120%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%"> recorded a loss of EUR 834 million in 2025, compared to a EUR 1,431 million loss in 2024. </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:130%">This year-on-year improvement was favoured by the aforementioned charges in 2024: i) the discontinuation of our merchant platforms in Germany and Superdigital in Latin America; and ii) the charge in Q4 2025 due to the provisions recorded for complaints related to motor finance dealer commissions in the UK that was less than the provision in Q4 2024. </span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Tax on profit </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">amounted to EUR 4,939 million, 2% higher than in 2024. In constant euros, it rose 5%, as a lower tax burden in some countries, mainly in Brazil, did not fully offset lower benefits from fiscal incentives for electric vehicles in the US and a EUR 353 million charge in 2025 corresponding to the aforementioned tax on revenue expected in Spain for the year.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">26</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Underlying profit attributable to the parent </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">in 2025 was EUR 13,152 million, 12% more than in 2024. In constant euros, it rose by 16%, supported by solid total income growth, while total costs were stable and with a controlled cost of risk.</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:130%">As a result, </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">underlying RoTE post-AT1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> was 15.2%, up from 14.4% in 2024, </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">underlying RoRWA </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">was 2.31% (compared to 2.07% in 2024) and </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">underlying earnings per share </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">reached EUR 0.84 (from EUR 0.72 in 2024).</span></div><div style="margin-bottom:3pt;margin-top:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr></table></div><div style="margin-bottom:3pt"><img src="san-20251231_g8.jpg" alt="11971" style="height:188px;margin-bottom:5pt;vertical-align:text-bottom;width:241px" id="i-8"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.00pt"><tr><td style="width:1.0pt"/><td style="width:37.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:12.25pt"/><td style="width:1.0pt"/></tr><tr style="height:26pt"><td colspan="2" style="background-color:#ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">+12&#160;</span></td><td style="background-color:#ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">%</span></td><td colspan="3" style="background-color:#ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:6.5pt;font-weight:700;line-height:121%;position:relative;top:-3.5pt;vertical-align:baseline">A</span></div></td></tr><tr style="height:11pt"><td colspan="6" style="background-color:#ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">2025 vs. 2024</span></td></tr><tr style="height:24pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. In constant euros: +16%.</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="padding-left:3.97pt;text-indent:-3.97pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Underlying RoTE post-AT1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td></tr></table><img src="san-20251231_g9.jpg" alt="1649267472819" style="height:188px;margin-bottom:5pt;vertical-align:text-bottom;width:321px" id="i-9"/></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:130%">As previously explained, results related to the Poland disposal are recorded in </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">non-recurring items</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, totalling EUR 949 million in 2025 compared to EUR 800 million in 2024. </span></div><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Including these non-recurring items, profit attributable to the parent </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">in 2025 was EUR 14,101 million, 12% more than in 2024. In constant euros, it rose by 16%.</span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">RoTE post-AT1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> stood at 16.3% (15.5% in 2024), in line with our full-year target of reaching a ratio close to 16.5%. </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">RoRWA</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> stood at 2.44% (2.18% in 2024) and </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">earnings per share</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> stood at EUR 0.91 (EUR 0.77 in 2024). </span></div><div style="margin-bottom:15pt;padding-left:3.97pt;text-indent:-3.97pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">27</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_547"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:24pt"><span id="i9919d7ae8f314e4385f6ef11a2160ef4"></span><span style="color:#ec0000;font-family:'Santander Text SemiBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">4.2.2 Group balance sheet</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></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:130%">Since Q2 2025, the assets associated with the Poland disposal have been classified under the 'non-current assets held for sale' line item in the Group&#8217;s consolidated balance sheet, in accordance with IFRS 5 requirements and as a result of the announcement of the Poland disposal. The related liabilities have been classified under 'liabilities associated with non-current assets held for sale'. This classification applies solely to balance sheets from 30 June 2025 onwards and does not affect prior periods, which therefore limits the comparability of the balance sheets presented below.</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:63.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.792%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Balance sheet</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="6" style="background-color:#f6f6f6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change</span></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Assets</span></div></td><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">Dec-25</span></td><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">Dec-24</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Absolute</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash, cash balances at central banks and other deposits on demand</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152,281&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">192,208&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(39,927)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">252,318&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">230,253&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,065&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,761&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,130&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,631&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial assets designated at fair value through profit or loss</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,046&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,915&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">131&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">74,612&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">89,898&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15,286)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(17.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,202,689&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,203,707&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,018)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,931&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,672&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,741)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(30.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(704)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">754&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Investments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,052&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,277&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(225)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Assets under reinsurance contracts</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">223&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">222&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,438&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,087&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,649)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Intangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,308&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,259&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,951)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tax assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,076&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,596&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(520)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other assets</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,719&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,559&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-current assets held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">75,011&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,002&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71,009&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,867,515</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,837,081</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,434</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Liabilities and equity</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">171,546&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152,151&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,395&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,148&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,360&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,788&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,421,184&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,484,322&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(63,138)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,248&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,752&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(504)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(644.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Liabilities under insurance contracts</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,737&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,829&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">908&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,355&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,407&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(52)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tax liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,568&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,598&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(30)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other liabilities</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,937&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,344&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(407)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Liabilities associated with non-current assets held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,995&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,995&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,754,767</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,729,754</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,013</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Shareholders' equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">141,144&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">135,196&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,948&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(37,974)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(36,595)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,379)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-controlling interest</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,578&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,726&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">852&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">112,748</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">107,327</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,421</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total liabilities and equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,867,515</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,837,081</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,434</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: this is a summarized balance sheet. For further information, see </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_823">'consolidated balance sheet'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> section in the consolidated financial statements.</span></div><div style="text-indent:-7.09pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">28</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:9pt;padding-left:1.12pt;padding-right:1.12pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.131%"><tr><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.844%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.795%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.397%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.332%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.397%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.397%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.397%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.676%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.676%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.397%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.676%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.844%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.403%"/><td style="width:0.1%"/></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="12" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-top:9pt;padding-left:7.08pt"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">Executive summary </span><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:7.15pt;font-weight:700;line-height:110%;position:relative;top:-3.85pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;border-top:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:6pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="15" rowspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Gross loans and advances to customers (excluding reverse repos)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="12" rowspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Customer funds (deposits excluding repos + mutual funds)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:6pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:6pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:14pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="9" rowspan="2" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:700;line-height:121%">EUR 984 billion</span></div></td><td colspan="6" rowspan="2" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:700;line-height:121%">+4%</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="6" rowspan="2" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:700;line-height:121%">EUR 1,200 billion</span></div></td><td colspan="6" rowspan="2" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:700;line-height:121%">+6%</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:6pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-bottom:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-bottom:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-bottom:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-bottom:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-bottom:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="12" rowspan="4" style="background-color:#f7f7f7;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;</span><span style="color:#48859e;font-family:'Wingdings',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#232;</span><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">  </span><span style="color:#48859e;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%;text-decoration:underline">By segment</span><span style="color:#48859e;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">:</span></div></td><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="6" rowspan="4" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;</span><span style="color:#48859e;font-family:'Wingdings',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#232;</span><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">  </span><span style="color:#48859e;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%;text-decoration:underline">By product</span><span style="color:#48859e;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">:</span></div></td><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="15" style="background-color:#f7f7f7;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Growth across main businesses, led by double-digit performance in CIB and Wealth.</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="background-color:#f7f7f7;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Growth in all products, rising double digits in mutual funds and with a pickup in demand deposits at the end of the year.</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:14pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"><div style="margin-bottom:6pt;text-align:center"></div></td><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"><div style="margin-bottom:6pt;text-align:center"></div></td><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"><div style="margin-bottom:6pt;text-align:center"></div></td><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"><div style="margin-bottom:6pt;text-align:center"></div></td><td colspan="6" style="background-color:#f7f7f7;padding:0 1pt"><div style="margin-bottom:6pt;text-align:center"></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"><div style="margin-bottom:6pt;text-align:center"></div></td><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"><div style="margin-bottom:6pt;text-align:center"></div></td><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Retail</span></div></td><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Openbank</span></div></td><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">CIB</span></div></td><td colspan="6" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Wealth</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Demand</span></div></td><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Time</span></div></td><td colspan="6" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Mutual funds</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"><div style="margin-bottom:6pt;text-align:center"></div></td><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+1%</span></div></td><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+2%</span></div></td><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+16%</span></div></td><td colspan="6" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+13%</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+3%</span></div></td><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+7%</span></div></td><td colspan="6" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+14%</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="48" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.6pt">2025 vs. 2024 changes in constant euros and excluding Poland. For more information on figures presented in constant euros and the exclusion of repurchase agreements and reverse repurchase agreements, see </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6. 'Alternative performance measures (APMs): 2025,2024 and 2023'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-bottom:1pt solid #9bc3d3;border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr></table></div><div style="text-align:center"><span><br/></span></div><div style="margin-bottom:3pt"><span id="i1d85c363ff0d49d5867ffad89f04874d"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Loans and advances to customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> totalled EUR 1,037,288 million in December 2025, a 2% decrease year-on-year. The year-on-year comparison was affected by the Poland disposal as, in accordance with IFRS 5 requirements and only from 30 June 2025 onwards, the assets related to the Poland disposal are aggregated under the 'non-current assets held for sale' line, without affecting assets in previous periods.</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:130%">For the purpose of analysing traditional commercial banking loans, the Group uses gross loans and advances to customers excluding reverse repurchase agreements (repos). To enable like-for-like comparisons, we analyse gross loans and advances to customers excluding reverse repos and, for 2024 data, excluding Poland, i.e. aligning the perimeter with the accounting treatment from June 2025. As at end December 2025, gross loans and advances to customers excluding reverse repos, totalled EUR 984,466 million in December 2025, a 1% increase year-on-year.</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:130%">To facilitate the analysis of Santander's management, the comments below do not consider the exchange rate impact (i.e., in constant euros), except for Argentina and any grouping which includes it. For further information, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6. 'Alternative performance measures (APMs): 2025, 2024 and 2023'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;letter-spacing:-0.02em;line-height:130%">Gross loans and advances to customers </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.02em;line-height:130%">excluding Poland and reverse repos and in constant euros, grew </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">by </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.02em;line-height:130%">4% year-on-year, as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Retail, </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">which represented 60% of the Group's loan portfolio, gross loans and advances to customers grew by 1%, as growth in the mortgage and card portfolios in most countries and higher corporate loans in Europe offset the decrease in SMEs, mainly in Spain, the UK and Portugal.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Openbank</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, which represented 22% of the Group's loan portfolio, they grew by 2% driven by good performances in auto markets in Europe and Latin America.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">CIB</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, which represented 15% of the Group's loan portfolio, lending volumes increased by 16%, with double-digit growth in the three business lines. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Wealth, </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">gross loans and advances to customers rose</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"> </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">by 13% driven by strong growth in Private Banking.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Payments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> had a loan portfolio of just EUR 1 billion (-8% year-on-year).</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:63.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.792%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Loans and advances to customers</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million. Excluding Poland</span></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="6" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">Dec-25</span></td><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">Dec-24</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Absolute</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Commercial bills</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,110&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,429&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(319)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Secured loans</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">530,749&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">538,218&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,469)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other term loans</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">295,998&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">284,136&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,862&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Finance leases</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,540&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37,643&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">897&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Receivable on demand</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,313&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,737&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(424)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit cards receivable</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,179&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,563&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,616&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Impaired assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,577&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,235&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(658)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gross loans and advances to customers (excluding reverse repos)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">984,466</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">978,961</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,505</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:400;line-height:105%">Reverse repurchase agreements</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73,980&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">59,344&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,636&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gross loans and advances to customers</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,058,446</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,038,305</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,141</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loan-loss allowances</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,158&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,145&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net loans and advances to customers</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,037,288</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,017,160</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,128</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">29</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Gross loans and advances to customers <br/>(excluding reverse repos)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR billion. Excluding Poland</span></td></tr></table></div><div><img src="san-20251231_g10.jpg" alt="2908" style="height:195px;margin-bottom:5pt;vertical-align:text-bottom;width:241px" id="i-10"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:49.50pt"><tr><td style="width:1.0pt"/><td style="width:36.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:9.25pt"/><td style="width:1.0pt"/></tr><tr style="height:21pt"><td colspan="2" style="background-color:#ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">+1&#160;</span></td><td style="background-color:#ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">%</span></td><td colspan="3" style="background-color:#ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:6.5pt;font-weight:700;line-height:121%;position:relative;top:-3.5pt;vertical-align:baseline">A</span></div></td></tr><tr style="height:11pt"><td colspan="6" style="background-color:#ee2724;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">2025 vs. 2024</span></td></tr><tr style="height:36pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:30pt;padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. In constant euros: +4%.</span></div><div style="margin-bottom:9pt;margin-top:21pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As of December 2025, gross loans and advances to customers excluding reverse repos maintained a diversified structure between the markets in which the Group operates.</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:130%">With respect to gross loans and advances to customers (including reverse repos) maturing in more than one year, at the end of 2025, 66% had a fixed interest rate, while the remaining 34% had a floating interest rate:</span></div><div style="margin-bottom:9pt;text-indent:10.91pt"><span><br/></span></div><div style="margin-bottom:9pt;text-indent:10.91pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Gross loans and advances to customers <br/>(excluding reverse repos)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">% of operating areas. December 2025. Excluding Poland</span></td></tr></table></div><div style="padding-left:9pt"><span><br/></span></div><div style="padding-left:9pt"><span><br/></span></div><div style="padding-left:9pt"><span><br/></span></div><div style="padding-left:9pt"><img src="san-20251231_g11.jpg" alt="3305" style="height:182px;margin-bottom:5pt;vertical-align:text-bottom;width:326px" id="i-11"/></div><div style="margin-bottom:9pt;margin-top:21pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In Spain, 53% of loans and advances to customers were fixed rate and 47% were floating rate.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Outside of Spain, 69% of loans and advances to customers were fixed rate and 31% were floating rate.</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:130%">For more details on the distribution of loans and advances to customers by business line, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_940">note 10.b</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:28.085%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.307%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.307%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.985%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.307%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.307%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.985%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.307%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.310%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Gross loans and advances to customers (including reverse repos) with maturities exceeding one year as at 31 December 2025</span></td></tr><tr><td colspan="27" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million. Excluding Poland</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Domestic</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">International</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">TOTAL</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Weight as % of the total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Weight as % of the total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Weight as % of the total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fixed</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">74,310</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">361,576</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">435,886</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">66&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Floating</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">66,108</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">158,758</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">224,866</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">140,418</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">100</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">520,334</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">100</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">660,752</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">100</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">30</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:63.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.792%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Total customer funds</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million. Excluding Poland</span></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="6" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">Dec-25</span></td><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">Dec-24</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Absolute</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Demand deposits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">646,125&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">641,237&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,888&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.8</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Time deposits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">298,284&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">286,296&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,988&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.2</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Mutual funds </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">255,389&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">227,226&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.4</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,199,798</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,154,759</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">45,039</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">3.9</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Pension funds </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,112&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,646&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">466&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.0</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Managed portfolios </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50,459&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,969&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,490&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.4</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Repurchase agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96,791&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">78,072&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,719&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24.0</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,363,160</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,291,446</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">71,714</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">5.6</span></td><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. Including managed and marketed funds. </span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Customer deposits</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> fell 1% year-on-year to EUR 1,041,200 million as at 31 December 2025. This year-on-year comparison was also affected by the Poland disposal as, in accordance with IFRS 5 requirements and only from 30 June 2025 onwards, the liabilities related to the Poland disposal are aggregated under the 'liabilities associated with non-current assets held for sale' line, without affecting liabilities in previous periods.</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:130%">The Group uses customer funds (customer deposits, excluding repos, plus mutual funds) to analyse traditional retail banking funds. To enable like-for-like comparisons, we analyse customer funds excluding Poland in 2024, i.e. aligning the perimeter with the accounting treatment from June 2025. As at 31 December 2025, they amounted to EUR 1,199,798 million and grew 4% year-on-year.</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:130%">To facilitate the analysis of Santander's management, the comments below do not consider the exchange rate impact (i.e., in constant euros), except for Argentina and any grouping which includes it. For further information, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6. 'Alternative performance measures (APMs): 2025, 2024 and 2023'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">.</span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Customer funds (excluding repos)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR billion. Excluding Poland</span></td></tr></table></div><div><img src="san-20251231_g12.jpg" alt="4748" style="height:216px;margin-bottom:5pt;vertical-align:text-bottom;width:237px" id="i-12"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:19.402%"><tr><td style="width:1.0%"/><td style="width:73.503%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.297%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%">Dec-25 vs. Dec-24</span></div></td></tr><tr><td colspan="2" style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">+4</span></div></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">%</span></div></td><td colspan="3" style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:700;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">A</span></div></td></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="2" style="border-left:0.5pt solid #9e3667;border-top:0.5pt solid #9e3667;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#9e3667;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">+12</span></div></td><td style="border-top:0.5pt solid #9e3667;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#9e3667;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">%</span></div></td><td colspan="3" style="border-right:0.5pt solid #9e3667;border-top:0.5pt solid #9e3667;padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #9e3667;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #9e3667;padding:0 1pt"/></tr><tr><td colspan="2" style="border-left:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">+2</span></div></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">%</span></div></td><td colspan="3" style="border-right:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:121%">Total</span></div></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt"><span style="color:#9e3667;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Mutual funds</span><span style="color:#9e3667;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">B </span></div></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Deposits excluding repos</span></div></td></tr><tr style="height:24pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. In constant euros: +6%.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Including managed and marketed funds.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:9pt;text-indent:10.91pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Compared to December 2024, customer funds excluding Poland rose 6% in constant euros, as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">By product, customer deposits excluding repos rose 4%, with an increase in both demand (+3%) and time deposits (+7%). Mutual funds rose 14%, with widespread increases across most businesses and countries.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">By business, customer funds increased 5% in Retail, mainly driven by time deposits in Europe and South America. In Openbank, customer funds rose 6%, in line with our deposit gathering strategy. In CIB, customer funds grew 4%, due to deposits in Cash Management. In Wealth, they were up 15%, driven mainly by mutual funds.</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:130%">Customer funds maintained a diversified structure across the markets in which the Group operates. The weight of demand deposits was 54% of total customer funds, while time deposits accounted for 25% and mutual funds 21%.</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:130%">In addition to capturing customer deposits, for strategic reasons the Group has a selective policy on issuing securities in international fixed income markets and strives to adapt the frequency and volume of its market operations to the structural liquidity needs of each unit, as well as to the receptiveness of each market.</span></div><div style="margin-bottom:18pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Customer funds (excluding repos)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">% of operating areas. December 2025. Excluding Poland</span></td></tr></table></div><div><img src="san-20251231_g13.jpg" alt="6127" style="height:182px;margin-bottom:5pt;vertical-align:text-bottom;width:326px" id="i-13"/></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">31</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_559"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="i2ad6e3b90eab4e16a3443119cb041e5f"></span><span style="color:#ec0000;font-family:'Santander Text SemiBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">4.3 Financial information by segment: 2025 vs 2024</span></div><div style="margin-bottom:6pt"><span><br/></span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_562"></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i353fa61745cb4533b2f6b6b67be63d22"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">4.3.1 Description of segments<span id="i8fa62cf7701a4bc5b670ee2b018430dc"></span></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%"> </span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">We base segment reporting on financial information presented to the chief operating decision maker, which excludes certain statutory results items that distort year-on-year comparisons and are not considered for management reporting. 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, impairment of goodwill, etc.). These gains and losses are items that management and investors ordinarily identify and consider separately to better understand the underlying trends in the business. For more details, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1132">note 52.c</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements.</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:130%">Santander has aligned the information in this section with the underlying information used internally for management reporting and with that presented in the Group's other public documents.</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:130%">The executive committee of Santander's board of directors has been selected to be its chief operating decision maker. The Group's operating segments reflect its organizational and managerial structures. The executive committee reviews internal reporting based on these segments to assess performance and allocate resources.</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:130%">The segments are split by global business and by country in which profits are earned. We prepare the financial information by aggregating the figures for Group&#8217;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 the Group are applied.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%">Taking into account all of the changes detailed in </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823626">2. 'Presentation of financial and other information'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%">, from 2026 the primary and secondary segments are structured as follows:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i9006349e5d024e419da9c62691b1369d"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Primary segments</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:130%">This primary level of segmentation comprises six reportable segments: five global businesses plus the Corporate Centre.</span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Retail &amp; Commercial Banking (Retail)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">: 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. Detailed financial information is provided on Spain (Retail Spain), the UK (Retail UK), Mexico (Retail Mexico) and Brazil (Retail Brazil), which represent most of the total Retail business. </span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Openbank, formerly Digital Consumer Bank (Consumer)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">: comprises all business originated by consumer finance companies, plus our digital bank (formerly Openbank), Open Digital Services (ODS) and SBNA Consumer. Detailed financial information is provided on Europe (Openbank Europe) and the US (Openbank US).</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Corporate &amp; Investment Banking (CIB)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">: this business, which includes Global Transaction Banking, Global Banking (Global Debt Financing and Corporate Finance) and Global Markets, offers products and services on a global scale to corporate and  institutional customers, and collaborates with other global businesses to better serve our broad customer base.</span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Wealth Management &amp; Insurance (Wealth)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">: 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 brings 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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Payment Solutions (Payments)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">: brings together the Group&#8217;s digital payment solutions, providing global technological solutions to Group entities and new customers in the open market. It comprises Getnet, Getnet Platforms and Ebury.</span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Corporate Centre:</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> 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&#8217;s asset and liability committee, as well as management of liquidity and of shareholders&#8217; equity via issuances. </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:130%">As the Group&#8217;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&#8217;s central services (charged to the areas), except for corporate and institutional expenses related to the Group&#8217;s functioning. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i78d13034463543dcaeeb9cf8f526bc43"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Secondary segments</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:130%">This secondary level includes our main geographical units and the Corporate Centre, as described in the primary segments.</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:130%">Detailed financial information is provided on </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Spain, the UK, Portugal, Openbank Europe</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> (previously referred to as DCB Europe), which includes all consumer business, our digital bank in Europe and ODS, </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">the US</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Mexico, Brazil, Chile </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">and </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Argentina</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">.</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:130%">Information is also provided for the '</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Rest of the Group</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">', the grouping which brings together everything that is not included in the aforementioned geographical units or the Corporate Centre.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:18pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">32</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:15pt;padding-left:2.53pt;padding-right:2.53pt;text-align:center;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:0.1%"/><td style="width:2.170%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:94.159%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.171%"/><td style="width:0.1%"/></tr><tr style="height:9pt"><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%">The information included on each of the segments in this report and the accounting principles under which their results are presented here may differ from the accounting principles applied and the financial information separately prepared and disclosed by our subsidiaries (some of which are publicly listed) which in name or geographical description may seem to correspond to the segments covered in this report. Accordingly, the results of operations and trends shown for our segments in this document may differ materially from those of such subsidiaries.</span></div><div style="margin-bottom:6pt"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%">As described in </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_532">4.2 'Group financial performance: 2025 vs 2024'</a></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%">, the results of our segments presented below are only provided on the basis of underlying results in accordance with IFRS 8. Therefore, the information included in this section, at the Group and primary segment levels, excludes Poland's results line by line as they are recorded in full in the 'non-recurring items' line item. This reporting approach is consistent with the information used internally in management reporting as well as with other public Group disclosures from 2026. For the same reason, all underlying ratios and management metrics included in this section have been calculated excluding Poland. For further information, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6 'Alternative performance measures (APMs): 2025, 2024 and 2023'</a></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%">.</span></div><div style="margin-bottom:6pt"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%">The results of our segments presented below are provided on the basis of underlying results only and include the impact of foreign exchange rate fluctuations. However, for a better understanding of the changes in the performance of our business areas, we also provide and discuss the year-on-year changes to our results excluding such exchange rate impacts (i.e. in constant euros), except for Argentina, and any grouping which includes it, where the variations in constant euros have been calculated considering the Argentine peso exchange rate on the last working day for each of the periods presented. For further information, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6 'Alternative performance measures (APMs): 2025, 2024 and 2023'</a></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%">.</span></div><div style="margin-bottom:6pt"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%">The statements included in this section regarding Santander's competitiveness and that of its subsidiaries have been produced by the Group based on public information (corporate websites of competing entities and information published by national banking institutions).</span></div><div style="margin-bottom:6pt"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%">Certain figures contained in this chapter have been subject to rounding to enhance their presentation. Accordingly, in certain instances, the sum of the numbers in a column or a row in tables contained in this report may not conform exactly to the total figure given for that column or row.</span></div></td><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/></tr><tr style="height:9pt"><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">33</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_565"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i27187d86a7424b31a6be43e090b103f0"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">4.3.2 Summary of the Group's main business areas' income statements</span></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:31.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.161%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">2025</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Main items of the underlying income statement</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 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:105%">Primary segments</span></td><td colspan="3" style="padding:2px 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:105%">Net interest income</span></td><td colspan="3" style="padding:2px 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:105%">Net fee <br/>income</span></td><td colspan="3" style="padding:2px 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:105%">Total <br/>income</span></td><td colspan="3" style="padding:2px 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:105%">Net operating income</span></td><td colspan="3" style="padding:2px 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:105%">Profit before tax</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Retail &amp; Commercial Banking</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">26,528&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,222&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">32,447&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,534&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,998&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,710&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Openbank</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,036&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,479&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,015&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,335&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,566&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,741&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Corporate &amp; Investment Banking</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,824&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,552&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,016&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,264&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,949&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,708&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Wealth Management &amp; Insurance</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,335&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,642&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,042&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,598&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,564&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,983&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Payment Solutions</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">167&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,059&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,373&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">170&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">134&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">96&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Corporate Centre</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(490)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(27)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(585)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,003)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,275)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,085)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">TOTAL GROUP</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">42,401</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,928</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">58,308</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31,898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18,936</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,152</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:5pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 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:105%">Secondary segments</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">7,305&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">3,022&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">11,887&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">7,423&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">6,083&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">4,272&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">UK</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,008&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">369&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,032&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,095&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,794&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,307&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,346&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">506&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,956&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,412&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,417&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,010&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Openbank Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,685&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">804&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,925&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,026&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,398&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">772&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">US</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,888&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,328&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,929&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,039&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,748&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,541&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,554&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,454&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,305&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,575&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,336&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,705&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,380&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,193&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,602&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,645&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,224&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,168&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,917&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">582&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,714&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,795&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,232&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">729&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Argentina</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,727&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">788&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,235&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,257&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">650&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">433&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Corporate Centre</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(490)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(27)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(585)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,003)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,275)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,085)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Rest of the Group</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,080&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">908&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,309&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">634&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">328&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">300&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">TOTAL GROUP</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">42,401</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,928</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">58,308</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31,898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18,936</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,152</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:47.202%"><div style="margin-top:19pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.987%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;letter-spacing:-0.018000000000000002em;line-height:105%">Underlying profit attributable to the parent. 2025 distribution</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Distribution </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.87pt;font-weight:400;line-height:105%;position:relative;top:-2.62pt;vertical-align:baseline">A </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"> by primary segment</span></div></td></tr></table></div><div style="margin-top:9pt;padding-right:4.5pt"><img src="san-20251231_g14.jpg" alt="74" style="height:220px;margin-bottom:5pt;vertical-align:text-bottom;width:320px" id="i-14"/></div><div style="margin-top:9pt;padding-left:7.09pt;padding-right:4.5pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  As a % of operating areas. Excluding the Corporate Centre.</span></div></div><div style="display:inline-block;max-width:5.592%;min-width:4.592%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:47.206%"><div style="margin-top:9pt"><span><br/></span></div><div style="margin-top:1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.987%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent. 2025</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million. % change YoY</span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:81.00pt"><tr><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:75.25pt"/><td style="width:1.0pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:24pt"><td colspan="3" style="background-color:#ec0000;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:105%">Retail</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:24pt"><td colspan="3" style="background-color:#9e3667;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:105%">Openbank</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:24pt"><td colspan="3" style="background-color:#14868d;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:105%">CIB</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:24pt"><td colspan="3" style="background-color:#1e414c;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:105%">Wealth</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:24pt"><td colspan="3" style="background-color:#63ba68;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:105%">Payments</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:80%">     </span><img src="san-20251231_g15.jpg" alt="148" style="height:188px;margin-bottom:5pt;vertical-align:text-bottom;width:109px" id="i-15"/><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:80%">     </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:55.50pt"><tr><td style="width:1.0pt"/><td style="width:25.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:25.75pt"/><td style="width:1.0pt"/></tr><tr style="height:14pt"><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Var</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Var</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"> B</span></div></td></tr><tr style="height:23pt"><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">+5&#160;</span></div></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">%</span></div></td><td colspan="2" style="padding:2px 0 2px 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:105%">+9&#160;</span></td><td style="padding:2px 1pt 2px 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:105%">%</span></td></tr><tr style="height:29pt"><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">+5&#160;</span></div></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">%</span></div></td><td colspan="2" style="padding:2px 0 2px 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:105%">+8&#160;</span></td><td style="padding:2px 1pt 2px 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:105%">%</span></td></tr><tr style="height:29pt"><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">+3&#160;</span></div></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">%</span></div></td><td colspan="2" style="padding:2px 0 2px 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:105%">+7&#160;</span></td><td style="padding:2px 1pt 2px 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:105%">%</span></td></tr><tr style="height:29pt"><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">+25&#160;</span></div></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">%</span></div></td><td colspan="2" style="padding:2px 0 2px 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:105%">+29&#160;</span></td><td style="padding:2px 1pt 2px 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:105%">%</span></td></tr><tr style="height:29pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">&#8212;</span></div></td><td colspan="3" style="padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:12pt;margin-top:30pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Changes in constant euros.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">34</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:3pt;margin-top:9pt;padding-right:4.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:31.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.161%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">2024</span></div></td></tr><tr><td colspan="21" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Main items of the underlying income statement</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Primary segments</span></td><td colspan="3" style="padding:2px 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:105%">Net interest income</span></td><td colspan="3" style="padding:2px 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:105%">Net fee <br/>income</span></td><td colspan="3" style="padding:2px 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:105%">Total <br/>income</span></td><td colspan="3" style="padding:2px 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:105%">Net operating income</span></td><td colspan="3" style="padding:2px 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:105%">Profit before tax</span></td><td colspan="3" style="padding:2px 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:105%">Underlying profit attributable to the parent</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Retail &amp; Commercial Banking</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,854&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,022&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,064&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,359&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,750&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,345&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Openbank</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,777&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,877&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,302&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,228&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,659&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Corporate &amp; Investment Banking</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,779&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,415&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,897&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,975&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,815&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,639&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Wealth Management &amp; Insurance</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,591&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,442&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,587&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,183&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,134&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,584&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Payment Solutions</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">132&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">958&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,240&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(233)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(299)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Corporate Centre</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(308)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(680)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,220)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,317)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,154)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL GROUP</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">43,824</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,335</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">57,984</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,630</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,774</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Secondary segments</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 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:105%">Spain</span></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,256&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,867&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,580&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,071&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,440&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,762&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">UK</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,950&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">283&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,011&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,962&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,794&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,306&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,548&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">467&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,065&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,492&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,481&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,001&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Openbank Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,361&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">902&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,644&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,796&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,131&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">642&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">US</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,693&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,152&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,580&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,615&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,053&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,109&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,631&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,385&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,551&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,274&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,671&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,121&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,414&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,536&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,318&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,830&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,422&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,822&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">551&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,592&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,650&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,111&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">629&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Argentina</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,919&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">602&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,487&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">827&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">665&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Corporate Centre</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(308)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(680)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,220)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,317)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,154)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Rest of the Group</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">832&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">722&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,889&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">246&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(248)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(280)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL GROUP</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">43,824</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,335</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">57,984</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,630</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,774</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">35</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_568"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i345d93876fde4102b442f14848b06f31"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">4.3.3 Primary segments</span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_571"></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:6pt;margin-top:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:0.1%"/><td style="width:1.725%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:52.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.829%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:16pt;font-weight:700;line-height:105%">Retail &amp; Commercial Banking</span></td><td colspan="3" style="background-color:#ec0000;border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Underlying attributable profit</span></div></td><td colspan="3" style="background-color:#ec0000;border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">EUR 7,710 mn</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i780fea8e0a3340cc96e20ef2a05dc7ea"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</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:130%">Gross loans and advances to customers, excluding reverse repos and in constant euros rose 1% year-on-year, mainly due to the increase in mortgages and cards, which amply offset the decrease in SMEs.</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:130%">The mortgage portfolio increased across most countries. However, personal loans decreased driven by Brazil, partially offset by growth in Spain, Chile and Argentina.</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:130%">Corporate loans rose, mainly due to generalized growth across Europe, while SME loans were affected by lower volumes in Spain, the UK and Portugal.</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:130%">Customer deposits, excluding repos and in constant euros, rose 4%, driven by broad-based growth across countries in Europe, particularly in Spain, the UK and Brazil, especially in time deposits. Mutual funds rose 11% in constant euros, with positive performances across most countries. As a result, customer funds increased 5% in constant euros. </span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail. 2025 business performance</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR billion and YoY % change in constant euros</span></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0pt"/><td style="width:3.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:40.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:57.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:18.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:40.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:69.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/></tr><tr style="height:14pt"><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#deedf2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;padding-left:6pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">591</span></div></td><td colspan="3" style="background-color:#deedf2;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+1%</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#deedf2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;padding-left:6pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">727</span></div></td><td colspan="3" style="background-color:#deedf2;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+5%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:27.00pt"><tr><td style="width:1.0pt"/><td style="width:25.00pt"/><td style="width:1.0pt"/></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g16.jpg" alt="Spain.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-16"/></div></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g17.jpg" alt="UK.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-17"/></div></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g18.jpg" alt="Mexico.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-18"/></div></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g19.jpg" alt="Brazil.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-19"/></div></td></tr><tr style="height:18pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other</span></td></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%"> </span><img src="san-20251231_g20.jpg" alt="4154" style="height:128px;margin-bottom:5pt;vertical-align:text-bottom;width:120px" id="i-20"/><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%">   </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:27.00pt"><tr><td style="width:1.0pt"/><td style="width:25.00pt"/><td style="width:1.0pt"/></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g16.jpg" alt="Spain.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-21"/></div></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g17.jpg" alt="UK.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-22"/></div></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g18.jpg" alt="Mexico.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-23"/></div></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g19.jpg" alt="Brazil.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-24"/></div></td></tr><tr style="height:18pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other</span></td></tr></table><img src="san-20251231_g21.jpg" alt="4159" style="height:128px;margin-bottom:5pt;vertical-align:text-bottom;width:120px" id="i-25"/></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:244.50pt"><tr><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:18.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:42.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:21.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:18.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:4.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:10.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:4.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:18.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:40.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:19.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:18.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/></tr><tr style="height:17pt"><td colspan="18" style="background-color:#ffffff;border-top:0.25pt solid #3c3c3c;padding:2px 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:105%">Gross loans and advances to customer excl. reverse repos</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="18" style="background-color:#ffffff;border-top:0.25pt solid #3c3c3c;padding:2px 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:105%">Customer deposits excl. repos + mutual funds</span></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ib8dd51d6dfb54dae8295fc8cb0280b3b"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</span></div><div style="margin-bottom:9pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Underlying attributable profit in 2025 was EUR 7,710 million (54% of the Group's total operating areas), up 5% compared to 2024. In constant euros, it rose 9% year-on-year, as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total income increased 3%, as the decrease in net interest income was amply offset by improvements in net fee income and other income, the latter favoured by the temporary levy on revenue earned in Spain, which was recorded in this line in 2024, whereas in 2025 the expected tax on revenue earned in Spain for the year was recorded under the &#8216;tax on profit' line.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Net interest income decreased 1% year-on-year, heavily impacted by Argentina, where interest rates declined significantly over the year. However, if we exclude Argentina, net interest income increased 2%, even in a less favourable interest rate environment, with positive performances in most countries. Of note, Mexico due to volumes and a lower cost of deposits, Chile supported by a lower cost of deposits and the UK driven by higher mortgage profitability and a lower cost of deposits.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt"><span><br/></span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Greater commercial activity and a larger loyal customer base contributed to net fee income growth (+9%). The most significant increases were in Argentina, Mexico and the UK and by product in transactional, insurance and mutual fund fees.</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:99.782%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail. Total income</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and YoY % change in constant euros</span></td></tr></table></div><div style="margin-bottom:3pt;padding-left:7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:38.25pt"><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0pt"/><td style="width:36.25pt"/><td style="width:1.0pt"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr style="height:20pt"><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g16.jpg" alt="Spain.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-26"/></div></td><td colspan="3" style="display:none"/></tr><tr style="height:20pt"><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g17.jpg" alt="UK.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-27"/></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:20pt"><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g18.jpg" alt="Mexico.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-28"/></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:20pt"><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g19.jpg" alt="Brazil.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-29"/></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:20pt"><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%"> </span><img src="san-20251231_g22.jpg" alt="5184" style="height:139px;margin-bottom:5pt;vertical-align:text-bottom;width:188px" id="i-30"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:50.25pt"><tr><td style="width:1.0pt"/><td style="width:48.25pt"/><td style="width:1.0pt"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Var</span></td><td colspan="3" style="display:none"/></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">+3%</span></div></td><td colspan="3" style="display:none"/></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">+2%</span></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">+9%</span></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">0%</span></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">+2%</span></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%">&#160;&#160;&#160;&#160;</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:21.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.208%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:25.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.519%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:105%">Retail</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">32,447</span></td><td colspan="3" style="padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;padding-left:24pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+3%</span></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div><span><br/></span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total costs decreased 1%. In real terms, expenses declined 5% reflecting our transformation efforts through organizational simplification, process automation and the deployment of the global platform as well as lower charges in the 'other operating costs' line. As a result, net operating income increased 6% and efficiency improved to 42.9%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions increased 8% year-on-year, as declines in Spain and the US partially offset the increases in Argentina due normalization and Brazil driven by loan growth and a less favourable macro environment.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Other gains (losses) and provisions line recorded a 29% lower loss than in 2024, due to lower charges related to transformation.</span></div><div style="margin-bottom:15pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Overall, underlying RoTE (post-AT1) in 2025 was 17.1%.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"><tr><td style="width:1.0%"/><td style="width:34.503%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:14.999%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.999%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.999%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.000%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail. Underlying income statement</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">/ </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2025</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,447</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">33,064&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">(2)</span></td><td colspan="3" style="padding:2px 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:105%">+3</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,913)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(14,704)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(5)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(1)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18,534</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18,359</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+6</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,150)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(7,064)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+8</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,998</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,750&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+2</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+6</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying attr. profit</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,710</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,345</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+5</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+9</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_664">4.3.4 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">36</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_574"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:6pt;padding-left:7.09pt;text-align:justify;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:241.50pt"><tr><td style="width:1.0pt"/><td style="width:31.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:85.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:118.00pt"/><td style="width:1.0pt"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g23.jpg" alt="banderaESP.jpg" style="height:35px;margin-bottom:5pt;vertical-align:text-bottom;width:35px" id="i-31"/></div></td><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-top:9pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:14pt;font-weight:700;line-height:110%">Retail Spain</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:119%">Profit before tax</span></div></td></tr><tr style="height:15pt"><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">EUR&#160;3,316</span></div></td><td style="border-bottom:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">&#160;mn</span></div></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i1064c51ad5064d599381ad628e0fb75e"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</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:130%">Gross loans and advances to customers, excluding reverse repos, were flat year-on-year as the increase in personal loans, consistent with our customer engagement strategy, and higher corporate loans offset a decrease in SMEs, affected by the ICO maturities and the impact of our focus on active risk management and balance sheet optimization.</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:130%">Customer deposits excluding repos, increased 4% year-on-year, driven by our new value proposition for Select customers, supporting customer acquisition and improving our funding mix. Mutual funds increased 15% year-on-year. As a result, customer funds increased 6% year-on-year.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i6aee55d86636456c968b188952198e81"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</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:130%">Profit before tax in 2025 reached EUR 3,316 million, 17% higher than in 2024. By line item:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total income increased 3% mainly due to the rise of net fee income, driven by transactional, insurance and mutual funds fees, and other income favoured by the temporary levy on revenue earned in Spain, which was recorded in this line in 2024, whereas in 2025 the expected tax on revenue earned in Spain for the year was recorded under the &#8216;tax on profit' line.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total costs were flat, reflecting the progress achieved in product simplification and process automation, as well as by the savings obtained from the rollout of global platforms such as Gravity. As a result, the efficiency ratio improved to 36.5%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions decreased 8%, which resulted in an improvement in the cost of risk and NPL ratio to 0.71% and 2.39%, respectively. </span></div><div style="margin-bottom:111pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The other gains (losses) and provisions line recorded a 49% lower loss year-on-year, benefited by less charges related to transformation.</span></div><div style="margin-top:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.166%"><tr><td style="width:1.0%"/><td style="width:47.036%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:15.359%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.359%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.846%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="12" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail Spain. Underlying income statement</span></td></tr><tr><td colspan="12" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">/ 2024</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2025</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="display:none"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,143</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">6,915&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">+3</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,605)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(2,606)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">0</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,538</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,309</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+5</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,036)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(1,121)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(8)</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,316</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,824</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+17</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_664">4.3.4 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_577"></div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:7.09pt;padding-right:4.5pt;text-align:justify;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:241.50pt"><tr><td style="width:1.0pt"/><td style="width:31.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:85.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:118.00pt"/><td style="width:1.0pt"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g24.jpg" alt="UK.jpg" style="height:33px;margin-bottom:5pt;vertical-align:text-bottom;width:33px" id="i-32"/></div></td><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-top:9pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:14pt;font-weight:700;line-height:110%">Retail UK</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:119%">Profit before tax</span></div></td></tr><tr style="height:15pt"><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">EUR&#160;1,658</span></div></td><td style="border-bottom:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">&#160;mn</span></div></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="id8e24934b08d4b159fcf962c6dda2ce4"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</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:130%">Gross loans and advances to customers, excluding reverse repos and in constant euros, increased 2% year-on-year, driven by an increase in mortgages and corporates. The trend in mortgages was positive throughout the year, with a progressive recovery in new business volumes.</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:130%">Customer deposits, excluding repos and in constant euros, increased 4% mainly driven by time deposits. Mutual funds increased 5% year-on-year in constant euros. As a result, customer funds increased 4% in constant euros. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ia63ae66dd2f94831863bed5829b6c207"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results </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:130%">Profit before tax was EUR 1,658 million, up 2% year-on-year. In constant euros, it increased 3%, by line item:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total income increased 2%, driven by a positive performance in net interest income, supported both by higher loan yields and a lower cost of deposits, and higher net fee income, driven by transactional and FX fees.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total costs decreased 3% reflecting our efforts in process simplification and automation. Net operating income increased 10% and the efficiency ratio improved by 2.9 pp to 59.3%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions continued to normalize, though they remained at low levels, with a cost of risk of only 7 bps.</span></div><div style="margin-bottom:177pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The other gains (losses) and provisions line recorded losses of EUR 124 million, a 21% greater loss year-on-year, impacted by charges related to transformation.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:35.011%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:14.332%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.332%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.332%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.493%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail UK. Underlying income statement</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">/ </span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2025</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,812</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">4,766&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">+1</span></td><td colspan="3" style="padding:2px 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:105%">+2</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,853)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(2,965)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(4)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(3)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,959</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,801</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+9</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+10</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(177)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(64)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+177</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+181</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,658</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,633</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+2</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+3</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%">  Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_664">4.3.4 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%">.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">37</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_580"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:6pt;padding-left:7.09pt;text-align:justify;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:241.50pt"><tr><td style="width:1.0pt"/><td style="width:31.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:85.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:118.00pt"/><td style="width:1.0pt"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt;vertical-align:top"><div style="margin-top:9pt;text-align:center"><img src="san-20251231_g25.jpg" alt="Mexico.jpg" style="height:30px;margin-bottom:5pt;vertical-align:text-bottom;width:30px" id="i-33"/></div></td><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-top:9pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:14pt;font-weight:700;line-height:110%">Retail Mexico</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:119%">Profit before tax</span></div></td></tr><tr style="height:15pt"><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">EUR&#160;1,628</span></div></td><td style="border-bottom:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">&#160;mn</span></div></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i3c4134e72d00437b8944e24509933b56"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</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:130%">Gross loans and advances to customers, excluding reverse repos and in constant euros, grew 2% year-on-year, mainly due to growth in mortgages, supported by our enhanced commercial offering.</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:130%">Customer deposits, excluding repos and in constant euros, increased 8% year-on-year, with growth in both demand and time deposits. This reflects increased transactional activity as a result of our focus on customer primacy. In addition, during the year mutual funds rose 16% in constant euros. As a result, customer funds grew 10% in constant euros.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i21ddb4a027f54a2abf9bd72a3a53f9e8"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</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:130%">Profit before tax reached EUR 1,628 million in 2025 up 7% year-on-year. In constant euros, it increased 17%, as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total income rose 9%, mainly driven by a good net interest income performance, supported by higher activity and a lower cost of deposits, and by an increase in net fee income, particularly from transactional fees and higher volumes in mutual funds.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total costs rose 7% affected by inflation and our investments in transformation. As a result, net operating income increased 11% and the efficiency ratio improved by 0.9 pp to 42.6%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions increased 2%, partially due to loan growth, with a cost of risk of 5.03% and an NPL ratio of 5.00%.</span></div><div style="margin-bottom:167pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">No other gains (losses) and provisions were recorded in 2025 or 2024.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.166%"><tr><td style="width:1.0%"/><td style="width:36.167%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.982%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail Mexico. Underlying income statement</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">/ </span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2025</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,820</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">4,861&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">(1)</span></td><td colspan="3" style="padding:2px 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:105%">+9</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,055)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,114)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(3)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+7</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,765</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,746</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+11</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,136)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,222)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(7)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+2</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,628</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,524</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+7</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+17</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_664">4.3.4 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_583"></div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:7.09pt;text-align:justify;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:241.50pt"><tr><td style="width:1.0pt"/><td style="width:31.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:85.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:118.00pt"/><td style="width:1.0pt"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt;vertical-align:top"><div style="margin-top:9pt;text-align:center"><img src="san-20251231_g26.jpg" alt="Brazil.jpg" style="height:30px;margin-bottom:5pt;vertical-align:text-bottom;width:30px" id="i-34"/></div></td><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-top:9pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:14pt;font-weight:700;line-height:110%">Retail Brazil</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:119%">Profit before tax</span></div></td></tr><tr style="height:15pt"><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">EUR&#160;1,464</span></div></td><td style="border-bottom:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">&#160;mn</span></div></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i2330d0a2afaf4af990cfe20d7ef2d3ec"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</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:130%">Gross loans and advances to customers, excluding reverse repos and in constant euros, declined 1%, as growth in cards and mortgages did not fully offset declines in personal loans, in line with our strategy to focus on more profitable growth and capital optimization.</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:130%">Customer deposits increased 9%, excluding repos and in constant euros, driven by time deposits, which rose double-digits, particularly individuals. Mutual funds increased 18% in constant euros. As a result, customer funds grew 11% in constant euros.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i3192ca8d53014dc7a3d586e033a21165"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</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:130%">Profit before tax was EUR 1,464 million in 2025, a 26% decrease year-on-year. In constant euros, it declined 20%, as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total income was flat, as higher fees driven by cards offset the negative sensitivity of the balance sheet to higher interest rates and lower gains on financial transactions, in an environment with lower activity.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total costs increased 3%, driven by higher T&amp;O costs and higher charges in the 'other operating costs' line However, this growth is below inflation, reflecting our transformation efforts in simplification, automation and digitalization.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions increased 6%, affected by higher provisions in cards (volumes and macroeconomic environment) as well as in the corporate and agribusiness segments, which were impacted by the macroeconomic and regulatory environment.</span></div><div style="margin-bottom:121pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The other gains (losses) and provisions line recorded losses of EUR 11 million, a greater loss year-on-year.</span></div><div style="margin-bottom:12pt;text-indent:10.91pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.166%"><tr><td style="width:1.0%"/><td style="width:36.167%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.982%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail Brazil. Underlying income statement</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">/ </span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2025</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,172</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">9,992&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">(8)</span></td><td colspan="3" style="padding:2px 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:105%">0</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,936)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4,159)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(5)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+3</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,237</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,833</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(10)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(3)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,762)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3,857)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(2)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+6</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,464</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,975</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(26)</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(20)</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%">  Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_664">4.3.4 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%">.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">38</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_586"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top: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:0.1%"/><td style="width:1.697%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.529%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:53.060%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.505%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.509%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#803262;border-bottom:0.5pt solid #990000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #990000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-bottom:0.5pt solid #990000;padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:16pt;font-weight:700;line-height:105%">Openbank</span></td><td colspan="3" style="background-color:#803262;border-bottom:0.5pt solid #990000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Underlying attributable profit</span></div></td><td colspan="3" style="background-color:#803262;border-bottom:0.5pt solid #990000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">EUR 1,741 mn</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:6pt"><span id="i9e53381e1c3d4e4899dde385edb1a9fd"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</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:130%">Gross loans and advances to customers, excluding reverse repos and in constant euros, rose 2% year-on-year. This was driven by auto (+4%), which saw continuous growth in Europe, in a market that picked up from a weak start at the beginning of 2025, and double-digit increases across most of Latin America.</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:130%">The new lending performance (-8% year-on-year in constant euros) continued to reflect our focus on prioritizing profitability over volumes as we remained prudent in terms of originations in an environment marked by volatility and geopolitical uncertainty. </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:130%">Our EUR 13.3 billion leasing portfolio decreased 15% year-on-year in constant euros, as growth in Europe was more than offset by a decline in the US, due to the wind down of business through our relationship with Stellantis, lower demand for electric vehicles and our strategy to prioritize profitability over growth.</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:130%">In terms of liabilities, our access to wholesale funding markets remained strong and diversified. Customer deposits accounted for 61% of Openbank's total funding. Excluding repos and in constant euros, deposits were up 5% year-on-year (+11% in the US and +1% in Europe), as a result of our focus on deposit gathering, supported by our digital bank. Including mutual funds (which rose 17%, albeit from low levels), customer funds grew 6% year-on-year in constant euros.</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 style="width:2.243%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.538%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.048%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.535%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.969%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.243%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.538%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:25.343%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.541%"/><td style="width:0.1%"/></tr><tr><td colspan="33" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Openbank. 2025 business performance </span></td></tr><tr><td colspan="33" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR billion and YoY % change in constant euros</span></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:240.00pt"><tr><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:34.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:55.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:4.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:3.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:4.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:6.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:34.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:53.50pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:22.00pt"/><td style="width:1.0pt"/></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#deedf2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;padding-left:6pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">212</span></div></td><td colspan="12" style="background-color:#deedf2;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+2%</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#deedf2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;padding-left:6pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">139</span></div></td><td colspan="6" style="background-color:#deedf2;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+6%</span></div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:44.25pt"><tr><td style="width:1.0pt"/><td style="width:39.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Openbank Europe</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Openbank US</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table><img src="san-20251231_g27.jpg" alt="5383" style="height:75px;margin-bottom:5pt;vertical-align:text-bottom;width:102px" id="i-35"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:44.25pt"><tr><td style="width:1.0pt"/><td style="width:39.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Openbank Europe</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Openbank US</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table><img src="san-20251231_g28.jpg" alt="5388" style="height:75px;margin-bottom:5pt;vertical-align:text-bottom;width:102px" id="i-36"/></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:244.50pt"><tr><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:18.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:42.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:21.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:18.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:4.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:10.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:4.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:18.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:40.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:19.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:18.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/></tr><tr style="height:21pt"><td colspan="18" style="background-color:#ffffff;border-top:0.25pt solid #3c3c3c;padding:2px 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:105%">Gross loans and advances to customer excl. reverse repos</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="18" style="background-color:#ffffff;border-top:0.25pt solid #3c3c3c;padding:2px 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:105%">Customer deposits excl. repos + mutual funds</span></td></tr></table></div><div><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 style="width:2.243%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.538%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.048%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.535%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.969%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.243%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.538%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:25.343%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.541%"/><td style="width:0.1%"/></tr><tr><td colspan="33" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Openbank. Leasing portfolio</span></td></tr><tr><td colspan="33" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR billion and YoY % change in constant euros</span></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:244.50pt"><tr><td style="width:1.0pt"/><td style="width:69.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:49.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:49.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:69.25pt"/><td style="width:1.0pt"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#deedf2;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Total leasing </span></td><td colspan="3" style="background-color:#deedf2;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:6pt;padding-right:6pt;text-align:right"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">13</span></div></td><td colspan="3" style="background-color:#deedf2;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">-15%</span></div></td><td colspan="3" style="background-color:#deedf2;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:3pt;margin-top:6pt"><img src="san-20251231_g29.jpg" alt="5396" style="height:117px;margin-bottom:5pt;vertical-align:text-bottom;width:321px" id="i-37"/><span id="ieacb21f194be4b11b90acb85d5cfa832"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</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:130%">Underlying attributable profit in 2025 was EUR 1,741 million, up 5% year-on-year, representing 12% of the Group's total operating areas. In constant euros, profit increased 8%, as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;margin-top:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total income rose 4%, mainly driven by net interest income, which grew 5%, with positive trends across almost all of our footprint, underpinned by our active margin management and higher volumes, as well as the CrediScotia integration in Peru.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Net fee income was flat, as double-digit growth in the US and Latin America was offset by Openbank Europe, which was impacted by new insurance regulation in Germany and weaker car registration trends, especially in H1 2025.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Other income declined, mainly due to lower leasing results in the US, driven by reduced volumes and lower residual values.</span></div><div><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 style="width:2.243%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.538%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.048%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.535%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.969%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.243%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.538%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:25.343%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.541%"/><td style="width:0.1%"/></tr><tr><td colspan="33" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Openbank. 2025 total income</span></td></tr><tr><td colspan="33" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and YoY % change in constant euros</span></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:77.25pt"><tr><td style="width:1.0pt"/><td style="width:72.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:17pt"><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Openbank Europe</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:17pt"><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Openbank US</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr style="height:17pt"><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Other</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%"> </span><img src="san-20251231_g30.jpg" alt="6186" style="height:68px;margin-bottom:5pt;vertical-align:text-bottom;width:166px" id="i-38"/><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%"> </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:36.00pt"><tr><td style="width:1.0pt"/><td style="width:34.00pt"/><td style="width:1.0pt"/><td colspan="3" style="display:none"/></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Var</span></td><td colspan="3" style="display:none"/></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#494949;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">+5%</span></td><td colspan="3" style="display:none"/></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#494949;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0%</span></td><td colspan="3" style="display:none"/></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#494949;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">+12%</span></td><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span><br/></span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total costs rose 4% year-on-year (+2% in real terms), mainly driven by our investments in platforms, our digital bank and the CrediScotia integration, which were partially offset by savings from our efficiency and transformation efforts.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions grew 1%, as an excellent performance in auto in the US nearly offset increases in other units, mainly in Openbank Europe, and the impact of the CrediScotia integration. Credit quality remained controlled with the cost of risk improving 7 bps to 2.10%, while the NPL ratio stood at 5.32%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Other gains (losses) and provisions registered a loss of EUR 312 million in 2025 compared to a EUR 512 million loss in 2024, mainly due to lower provisions for potential complaints related to motor finance dealer commissions in the UK.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The effective tax rate normalized as the benefit from fiscal incentives for electric vehicles decreased, following a decline in leasing volumes for these vehicles in the US during 2025.</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:130%">As a result, underlying RoTE (post-AT1) stood at 8.5% in 2025.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:33.776%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:14.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.877%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Openbank. Underlying income statement</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">/ </span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2025</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,015</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">12,877&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">+1</span></td><td colspan="3" style="padding:2px 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:105%">+4</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,680)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(5,576)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+2</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+4</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,335</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,302</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">0</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+4</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,457)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(4,562)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(2)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+1</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,566</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,228&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+15</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+18</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying attr. profit</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,741</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,659</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+5</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+8</span></td></tr></table><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%">   Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_664">4.3.4 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%">.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">39</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_589"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:6pt;padding-left:7.09pt;text-align:justify;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"><tr><td style="width:1.0pt"/><td style="width:31.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:128.50pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:76.75pt"/><td style="width:1.0pt"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="background-color:#9bc3d3;border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-top:9pt;text-align:center"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:14pt;font-weight:700;line-height:110%">OB</span></div></td><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-top:9pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:14pt;font-weight:700;line-height:110%">Openbank Europe</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:119%">Profit before tax</span></div></td></tr><tr style="height:15pt"><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">EUR&#160;1,398</span></div></td><td style="border-bottom:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">&#160;mn</span></div></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i58104b4c19dc4e43a5f6a76dce6e6535"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</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:130%">New car registrations saw weaker trends at the beginning of the year, with declines in normally strong months, but they picked up towards the end of the year. This performance and our focus on prioritizing profitability over growth were reflected in a 3% year-on-year drop in new business volumes in constant euros.</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:130%">However, gross loans and advances to customers, excluding reverse repos and in constant euros, grew 2% year-on-year, driven by auto balances.</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:130%">Customer deposits, excluding repos and in constant euros, rose 1% year-on-year, supported by demand deposits, in line with our strategy to increase the weight of retail funding. Mutual funds grew 16% in constant euros.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ia87684116b6242b182a5cd31e88be562"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</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:130%">In 2025, profit before tax reached EUR 1,398 million, 24% higher than in 2024. In constant euros, it rose 23%, as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total income grew 5%, mainly driven by strong net interest income (+8%), underpinned by our margin management and volumes growth, which more than offset the impact on net fee income from new insurance regulation in Germany and weaker car registration trends, particularly in the first half of the year.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total costs were up 2%. In real terms costs were flat as our strategic investments in platforms and business growth and higher charges in the 'other operating costs' line were offset by savings from the transformation of our operating model. As a result, net operating income increased 8% and the efficiency ratio improved to 48.9%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions grew 13%, especially in Germany, impacted by the macro environment and worse credit quality in corporates (which is in run-off). However, cost of risk remained below 1%.</span></div><div style="margin-bottom:35pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Other gains (losses) and provisions posted a loss of EUR 266 million, compared to a EUR 456 million loss in 2024, mainly due to a decline in provisions for potential complaints related to motor finance dealer commissions in the UK.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.166%"><tr><td style="width:1.0%"/><td style="width:36.167%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.982%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Openbank Europe. Underlying income statement</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">/ </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2025</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,925</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">5,644&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">+5</span></td><td colspan="3" style="padding:2px 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:105%">+5</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,899)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(2,848)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+2</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+2</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,026</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,796</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+8</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+8</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,363)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(1,209)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+13</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+13</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,398</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,131</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+24</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+23</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_664">4.3.4 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_592"></div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:7.09pt;text-align:justify;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"><tr><td style="width:1.0pt"/><td style="width:31.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:88.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:117.25pt"/><td style="width:1.0pt"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g31.jpg" alt="US.jpg" style="height:27px;margin-bottom:5pt;vertical-align:text-bottom;width:27px" id="i-39"/></div></td><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-top:9pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:14pt;font-weight:700;line-height:110%">Openbank US</span></div></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:119%">Profit before tax</span></div></td></tr><tr style="height:15pt"><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">EUR&#160;699</span></div></td><td style="border-bottom:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">&#160;mn</span></div></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i27f912e26ebe49fa9a1e10393ae78741"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</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:130%">The stock of gross loans and advances to customers, excluding reverse repos and in constant euros, declined 5% year-on-year, mainly due to asset rotation initiatives (in line with our capital light strategy) and reduced new business activity, as we maintained our focus on profitability over growth. The leasing portfolio fell 28% in constant euros, impacted by the wind down of business through our relationship with Stellantis and a lower demand for electric vehicles.</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:130%">Customer deposits, excluding repos and in constant euros, rose 11% year-on-year, driven by demand deposits, reflecting strong momentum in our digital bank. Mutual funds also grew in constant euros, contributing to an 11% increase in customer funds in constant euros.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i855935dda3a24576856015babb06275e"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</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:130%">In 2025, profit before tax was 27% higher year-on-year, reaching EUR 699 million. In constant euros, it increased 32%, as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total income was flat, as stronger net interest income (higher auto loan margins) and net fee income (higher activity in auto servicing for third parties), offset a decline in leasing income, primarily due to lower volumes and lower residual values.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span id="i10c7bf8c44fe42eb8b1fcfbd9ea5f30f"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:9pt;font-weight:700;line-height:121%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;padding-left:2.93pt">Total costs increased 3%, driven by strategic investment in our digital bank, which was partially offset by savings from our transformation initiatives.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions improved 9%, underpinned by resilient consumer behaviour, used car prices stable at high levels, and capital relief measures. As a result, cost of risk improved 26 bps, reaching 4.17%.</span></div><div style="margin-bottom:101pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The other gains (losses) and provisions line recorded a loss of EUR 45 million compared to a EUR 55 million loss in 2024.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.166%"><tr><td style="width:1.0%"/><td style="width:36.167%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.982%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Openbank US. Underlying income statement</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">/ </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2025</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,072</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">5,297&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">(4)</span></td><td colspan="3" style="padding:2px 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:105%">0</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,188)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(2,225)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(2)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+3</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,884</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,072</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(6)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(2)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,140)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(2,466)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(13)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(9)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">699</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">551</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+27</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+32</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_664">4.3.4 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">40</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_595"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:0.1%"/><td style="width:1.725%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:52.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.829%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#14868d;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #14868d;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-bottom:0.5pt solid #14868d;padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:16pt;font-weight:700;line-height:105%">Corporate &amp; Investment Banking</span></td><td colspan="3" style="background-color:#14868d;border-bottom:0.5pt solid #14868d;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Underlying attributable profit</span></div></td><td colspan="3" style="background-color:#14868d;border-bottom:0.5pt solid #14868d;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">EUR 2,708 mn</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;text-align:justify"><span id="icdba1cc7212845dd9c93319043d2ee47"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:89%">Business performance</span></div><div style="margin-bottom:8pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Gross loans and advances to customers, excluding reverse repos and in constant euros, increased 16% year-on-year, boosted by double-digit growth in GTB, GB and GM. Customer deposits, excluding repos and in constant euros, rose 6% year-on-year, driven by Cash Management.</span></div><div style="margin-bottom:8pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Global Transaction Banking (GTB)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> recorded good activity levels year-on-year in a challenging environment:</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In Trade &amp; Working Capital Solutions (T&amp;WCS), activity grew year-on-year, supported by the expansion into new segments and partnerships, such as Invensa, a new global inventory finance platform, in alliance with Pemberton, and the implementation of innovative, tailored solutions to address new client demands.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Export Finance activity, which increased in our main markets, was adversely impacted by Argentina. We achieved a fourth consecutive year as a global leader and strengthened our leadership in Sustainability through transactions carried out together with the Structured Finance team.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.004em;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.004em;line-height:130%;padding-left:3.11pt">Cash Management activity was affected by interest rates easing across most of our markets. Nevertheless, we expanded real-time payment solutions and strengthened treasury connectivity, in line with our ambition to build a stronger European franchise while preserving our leadership in Spain, Portugal and Latin America.</span></div><div style="margin-bottom:8pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Global Banking (GB)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, activity rose in the year, especially on the back of our US BBO initiative.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In Corporate Finance (CF), strong growth was driven by M&amp;A in the US and Europe, reflected in transactions such as with Orange, where we acted as financial advisor on the acquisition of its remaining stake in MasOrange. </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.005em;line-height:130%">ECM</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> activity recovered during the second half of the year. Leveraged Finance activity increased, especially in the US, with key mandates such as Advent&#8217;s </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.005em;line-height:130%">leveraged buyout</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> of Reckitt Essential Homes and with more important roles such as our lead arranger role in Partners Group&#8217;s acquisition of Middle River Power.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">I</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.005em;line-height:130%">n Debt Finance, DCM performed well, supported by strong investor demand and refinancing-driven issuances in the US, Europe and Latin America. However, Syndicated Loans activity softened, though we maintained leading bookrunner roles in Latin American sovereign and corporate deals, with prominent clients such as the Republic of Colombia and Metro de Rio de Janeiro.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Structured Finance activity was broadly flat year-on-year despite challenging conditions during the first half of the year. We achieved notable growth in the US, reinforcing our leadership in Liquefied Natural Gas and Renewables sectors and gaining traction in Digital and Data Centres infrastructure. We are also expanding our business in the UK and Asia and maintaining a top global position in Project Finance advisory.</span></div><div style="margin-bottom:8pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"> Global Markets (GM), </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">we recorded strong institutional client activity, particularly in the US, with disciplined risk management supported growth. Fixed income and FX products performed particularly well, offsetting weaker activity in Cash Equity. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="ib4c2253b7dc0477ca22e60363dbe8287"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</span></div><div style="margin-bottom:8pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Underlying attributable profit in 2025 was EUR 2,708 million (19% of the Group's total operating areas), up 3% year-on-year. In constant euros, profit grew 7%, as follows:</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total income rose 5% year-on-year, on the back of net interest income growth (+6%), mainly due to GM in Europe and the US, and strong net fee income (+9%) which grew across business lines. Other income was fairly stable year-on-year.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">By country, there was double-digit revenue growth in the US, Mexico and our branch in the UK.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">By business line, revenue rose 11% and 8% in GM and in GB, respectively, and there was double-digit growth in CF, mainly in the US. GTB revenue decreased slightly, as growth in Trade &amp; Working Capital Solutions was offset by lower results in Cash Management and Export Finance.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">CIB. Total income by business</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Both EUR million and % change in constant euros</span></td></tr></table></div><div style="margin-bottom:3pt"><img src="san-20251231_g32.jpg" alt="7075" style="height:90px;margin-bottom:5pt;vertical-align:text-bottom;width:340px" id="i-40"/><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Note: total income includes revenue from other activities which are less material (EUR 160 million in 2024 and EUR 128 million in 2025).</span></div><div><span><br/></span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.008em;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.008em;line-height:130%;padding-left:3.11pt">Total costs decreased 1%</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, as our investments in new products and capabilities to support growth were more than offset by lower charges in the 'other operating costs' line. </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.008em;line-height:130%">As a result, net operating income increased 12% and the efficiency ratio was 46.8%.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions have a limited impact on results due to the nature of CIB business. They increased year-on-year, though the cost of risk remained low at just 0.14%.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Other gains (losses) and provisions recorded a EUR 37 million loss compared to a EUR 19 million loss in 2024.</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:130%">Underlying RoTE (post-AT1) was 17.8%.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.166%"><tr><td style="width:1.0%"/><td style="width:36.167%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.982%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">CIB. Underlying income statement</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">/ </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2025</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,016</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">7,897&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">+2</span></td><td colspan="3" style="padding:2px 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:105%">+5</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,752)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(3,922)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(4)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(1)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,264</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,975</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(278)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(141)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+96</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+98</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,949</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,815&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+4</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+8</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying attr. profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,708</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,639</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_664">4.3.4 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">41</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_598"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:0.1%"/><td style="width:1.725%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:52.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.829%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#1e4b42;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:16pt;font-weight:700;line-height:105%">Wealth Management &amp; Insurance</span></td><td colspan="3" style="background-color:#1e414c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Underlying attributable profit</span></div></td><td colspan="3" style="background-color:#1e414c;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:130%">EUR 1,983 mn</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:1pt solid #3d3d3d;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #3d3d3d;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-bottom:3pt solid #ffffff;border-top:1pt solid #3d3d3d;padding:0 1pt"/><td colspan="3" style="border-bottom:3pt solid #ffffff;border-top:1pt solid #3d3d3d;padding:0 1pt"/><td colspan="3" style="border-bottom:3pt solid #ffffff;border-top:1pt solid #3d3d3d;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="if730e600c92c49fe9e6a4e47147f2439"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:8pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">During 2025, solid commercial activity and a positive market performance enabled us to reach a total volume of assets under management (AuMs) of EUR 541 billion, +14% year-on-year in constant euros. By business and in constant euros, volumes performed as follows:</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.01em;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.01em;line-height:130%;padding-left:3.11pt">In Private Banking (PB), customer assets and liabilities reached EUR </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">363</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.01em;line-height:130%"> billion (+</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">17%</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.01em;line-height:130%"> year-on-year), with all products growing, as we focus on offering products with greater added value, such as alternatives and discretionary portfolio management.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Our focus on offering our customers the benefits of our scale and international presence helped us expand our Private Banking customer base by 5% year-on-year to nearly 297,000.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.005em;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.005em;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Insurance &amp; Asset Management Solutions: </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.005em;line-height:130%"> i) total Santander Asset Management (SAM) AuMs increased year-on-year, on the back of the solid commercial activity, confirming strong client engagement and the attractive product offering; and ii) Insurance g</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ross written premiums reached EUR 10.6 billion in 2025, +5% year-on-year, mainly driven by life savings business.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:48.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:48.900%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Wealth. 2025 business performance</span></div></td></tr><tr><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR billion and % change in constant euros. December 2025</span></div></td></tr></table></div><div><img src="san-20251231_g33.jpg" alt="5833" style="height:120px;margin-bottom:5pt;vertical-align:text-bottom;width:243px" id="i-41"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:38.25pt"><tr><td style="width:1.0pt"/><td style="width:36.25pt"/><td style="width:1.0pt"/></tr><tr style="height:17pt"><td colspan="3" style="padding:2px 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:105%">/ 2024</span></td></tr><tr style="height:15pt"><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">+14&#160;</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td></tr><tr style="height:15pt"><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">+10&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/></tr><tr style="height:15pt"><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">+24&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td></tr><tr style="height:15pt"><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">+6&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td></tr><tr style="height:15pt"><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">+13&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td></tr><tr style="height:15pt"><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">+5&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="display:none"/></tr></table></div><div><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: total products marketed, advised, under custody and/or managed.</span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i99c2e49ce94647e7a87a0b535900e663"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</span></div><div style="margin-bottom:8pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Underlying attributable profit was EUR 1,983 million (14% of the Group's total operating areas), up 25% compared to 2024. In constant euros, it was 29% higher, by line item:</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.011em;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.011em;line-height:130%;padding-left:3.11pt">Total income increased </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">16</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.011em;line-height:130%">% year-on-year, as a result of our focus on value-added solutions to expand our fee business and improve revenue recurrency and predictability.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Net interest income decreased 14% </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.011em;line-height:130%">year-on-year</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> affected by Private Banking deposit cost inelasticity to interest rate cuts and a decline in the yield on assets in a lower interest rate environment in most of our markets.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:8pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.005em;line-height:130%">Net fee income rose </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">17</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.005em;line-height:130%">% year-on-year, </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">with notable performances in Private Banking and our asset management business, driven by solid commercial activity, a positive market performance and our focus on promoting fee-generating activities and products.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Other income improved year-on-year, boosted by the good performances of our insurance joint ventures and the investment platform units, both in the Insurance &amp; Asset Management Solutions business line.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Including the fees ceded to our commercial network, total revenue reached EUR 6,488 million, up 14%, on the back of higher customer activity in PB and higher volumes and good performance of our asset management business.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total costs were 6% higher year-on-year, growing less than total income, reflecting investments made to strengthen PB teams and develop new capabilities to address the increase in commercial activity. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions recorded a EUR 20 million loss compared to a EUR 42 million loss in 2024. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The other gains (losses) and provisions recorded a EUR 14 million loss compared to a EUR 8 million loss in 2024.</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:130%">When considering ceded fees along with our PAT, the total contribution to Group profit (PAT+Fees) reached EUR 3,612 million, up 20% year-on-year.</span></div><div style="margin-bottom:30pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Underlying RoTE (post-AT1) in 2025 was 61.5%.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:37.171%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:13.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.878%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Wealth. Underlying income statement</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">/ </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2025</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,042</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">3,587&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">+13</span></td><td colspan="3" style="padding:2px 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:105%">+16</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,444)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,403)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+3</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+6</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,598</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,183</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+19</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+22</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(42)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(51)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(51)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,564</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,134&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+20</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+24</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying attr. profit</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,983</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,584</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+25</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+29</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_664">4.3.4 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">42</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_601"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:0.1%"/><td style="width:1.725%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:52.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.829%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#63ba68;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #63ba68;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-bottom:0.5pt solid #63ba68;padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:16pt;font-weight:700;line-height:105%">Payment Solutions</span></td><td colspan="3" style="background-color:#63ba68;border-bottom:0.5pt solid #63ba68;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Underlying attributable profit</span></div></td><td colspan="3" style="background-color:#63ba68;border-bottom:0.5pt solid #63ba68;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">EUR 96 mn</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i02cef2b345e1445c846f1d8b155386a5"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</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:130%">In 2025, activity increased sharply. The total number of transactions in Getnet reached 10.5 billion, 7% higher year-on-year, for a total payments volume (TPV) of EUR 238 billion, 14% more than in 2024 in constant euros. This was driven by the good performances across countries, especially in Latin America.</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:130%">In our A2A payments platform, the significant increase in the volume of payments processed enabled us to operate with greater efficiency, achieving a very competitive cost per transaction. </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:130%">Payments' loan and deposit portfolios are not material, making up just 0.1% of the Group's total portfolios.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.166%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Getnet. TPV</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">EUR billion and % change year-on-year in constant euros</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:7.08pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:26.986%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.332%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:26.988%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">+14%</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="padding-left:31.89pt;padding-right:31.89pt;text-align:center"><img src="san-20251231_g34.jpg" alt="4272" style="height:98px;margin-bottom:5pt;vertical-align:text-bottom;width:150px" id="i-42"/></div><div style="margin-bottom:3pt;margin-top:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="ifb4e0d0344224f62a0d7fc3b05763c23"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</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:130%">Underlying attributable profit was EUR 96 million in 2025, compared to a EUR 299 million loss in 2024 (EUR 56 million loss excluding the charges related to the discontinuation of platforms in 2024). In constant euros:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total income increased 16% year-on-year, driven mainly by the increase in net fee income, boosted by higher activity.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total costs rose 2%, but improved 1% in real terms, even with our investments in platforms. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.003em;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.003em;line-height:130%;padding-left:3.11pt">Net loan-loss provisions increased, mainly due to Getnet in Brazil.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Other gains (losses) and provisions recorded a loss of EUR 12 million, a significantly lower loss than a year ago due to the aforementioned charges related to the discontinuation of our platforms in 2024.</span></div><div style="margin-bottom:27pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">EBITDA margin was 34.5%, 7.0 pp higher than in 2024.</span></div><div style="margin-bottom:85pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:35.937%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.494%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Payment Solutions. Underlying income statement</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">/ </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2025</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,373</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">1,240&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">+11</span></td><td colspan="3" style="padding:2px 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:105%">+16</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,203)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(1,208)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">0</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+2</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">170</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+447</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">0</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(16)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+49</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+55</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">134</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(233)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">0</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">0</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying attr. profit</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">96</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(299)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">0</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">0</span></td></tr></table><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%"> Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_664">4.3.4 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%">.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">43</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_604"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:0.1%"/><td style="width:1.725%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:52.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.829%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#3a6d80;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #3a6d80;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-bottom:1pt solid #3a6d80;padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:16pt;font-weight:700;line-height:105%">Corporate Centre</span></td><td colspan="3" style="background-color:#3a6d80;border-bottom:1pt solid #3a6d80;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Underlying attributable profit</span></div></td><td colspan="3" style="background-color:#3a6d80;border-bottom:1pt solid #3a6d80;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">-EUR 1,085 mn</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i6317a30e100b49b1b06c7e9ceae34505"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:3pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The underlying attributable loss in 2025 was EUR 1,085</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> million, a 6% lower loss than in 2024 (loss of EUR 1,154 million), with the f</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ollowing breakdown by line item:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net interest income declined EUR 182 million as lower interest rates impacted the balance sheet which has positive sensitivity to rate rises.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Losses on financial transactions decreased</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> by EUR 325 </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">million, </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">due to a lower impact from foreign currency hedges.</span></div><div style="margin-bottom:9pt;text-indent:10.91pt"><span><br/></span></div><div style="margin-bottom:4pt;text-indent:10.91pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total costs were 23% lower year-on-year, as higher IT costs were more than offset by lower charges in the 'other operating costs' line.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions increased</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> by EUR 200 million due to LLPs recorded in the first half of the year related to our plan to accelerate NPL ratio reductions, improving the Group's credit quality.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Other gains (losses) and provisions showed an improvement of EUR 25 million compared to 2024.</span></div><div style="margin-bottom:6pt;text-indent:10.91pt"><span><br/></span></div></div></div><div style="margin-bottom:9pt;text-indent:9pt"><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:52.295%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:1.034%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.025%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Corporate Centre. Underlying income statement</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(490)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(308)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">59.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(27)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">156.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"> A</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(82)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(408)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(79.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(68.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(585)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(680)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(417)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(540)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(22.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,003)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,220)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(17.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(198)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(75)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(99)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Profit before tax</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,275)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,317)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">190&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">162&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Profit from continuing operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,085)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,155)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Consolidated profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,085)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,155)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(99.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Underlying profit attributable to the parent</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,085)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,154)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="12" style="padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="12" style="padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="12" style="padding:0 1pt"/></tr></table></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:52.295%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.034%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.025%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Corporate Centre. Balance sheet and operating means</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Dec-25</span></td><td colspan="3" style="padding:2px 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:105%">Dec-24</span></td><td colspan="3" style="padding:2px 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:105%">%</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,465&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,911&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cash, central banks and credit institutions</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">109,001&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">110,984&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,075&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,922&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial assets</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,613&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,444&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other asset accounts</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">179,896&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">175,693&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">309,050</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">305,954</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,387&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,430&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Central banks and credit institutions</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,024&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,103&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Marketable debt securities</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">112,520&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">121,122&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial liabilities</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">772&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other liabilities accounts</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69,659&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64,321&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">213,363</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">213,024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total equity</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">95,687</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">92,930</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 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:105%">Memorandum items:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gross loans and advances to customers </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,537&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,997&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,387&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,299&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,387&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,299&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 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:105%">Operating means</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Number of employees</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,901&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,825&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.2&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div></div></div><div style="margin-bottom:26pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:29.147%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. Includes exchange differences.</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Excluding reverse repos.</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C. Excluding repos.</span></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">44</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_664"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i7d347259d25841369e46a8bb131fbc64"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">4.3.4 Appendix</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i0aebb50c902841e6bb766649f2d8a36b"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Primary segments</span></div><div style="margin-bottom:9pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:58.423%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.020%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">RETAIL &amp; COMMERCIAL BANKING</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,528&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">27,854&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,222&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,022&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions &#7468;</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">680&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">805&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(15.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(983)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,617)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(39.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(38.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">32,447</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33,064</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,913)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14,704)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,534</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,359</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,150)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,064)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(385)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(545)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(29.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(28.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,998</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,750</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,974)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,132)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,024</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,619</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,024</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,619</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(314)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(273)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,710</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,345</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7470;</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">591,287&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">600,230&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">726,779&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">706,505&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">616,402&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">607,094&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">110,377&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">99,411&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Risk-weighted assets</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">290,080&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">285,525&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratios (%), operating means and customers</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">RoTE (post-AT1)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.6&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.6)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42.9&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.09&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.21&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.12)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL coverage ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">66&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">126,299&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">135,901&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of total customers (thousands)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">147,129&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">141,179&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of active customers (thousands)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76,305&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">74,465&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Includes exchange differences.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding reverse repos.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.  Excluding repos.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">45</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:68.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.975%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail Spain</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,877&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,930&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,223&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,199&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,143</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,915</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,605)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,606)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,538</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,309</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,036)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,121)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,316</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,824</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7468;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">156,497&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">156,118&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">281,486&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">266,230&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits &#7470;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">230,850&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">222,089&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50,636&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,141&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Excluding reverse repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:58.603%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.975%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail UK</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,846&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,760&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">313&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">233&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,812</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,766</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,853)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,965)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,959</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,801</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(177)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(64)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">180.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,658</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,633</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7468;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">225,043&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">233,033&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">215,472&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">217,765&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits &#7470;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">209,427&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">211,720&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,046&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,045&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Excluding reverse repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">46</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:58.423%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.020%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail Mexico</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,901&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,974&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">929&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">910&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,820</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,861</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,055)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,114)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,765</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,746</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,136)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,222)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,628</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,524</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7468;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37,284&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,721&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">54,278&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,220&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits &#7470;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,864&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,245&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,414&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,975&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Excluding reverse repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:58.423%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.020%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail Brazil</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,190&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,811&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(7.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,188&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,327&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,172</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,992</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,936)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,159)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,237</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,833</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(10.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,762)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,857)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,464</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,975</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(25.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(19.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7468;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">65,589&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">66,406&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80,749&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">72,993&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits &#7470;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58,241&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,865&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,508&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,128&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Excluding reverse repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">47</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:58.423%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.020%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">OPENBANK</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,036&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,777&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,479&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,508&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions &#7468;</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">168.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">126.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">511&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">596&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,015</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,877</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,680)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,576)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,335</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,302</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,457)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,562)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(312)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(512)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(39.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(38.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,566</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,228</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(489)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(294)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">66.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,077</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,934</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,077</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,934</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(336)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(275)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,741</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,659</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7470;</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">211,894&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">215,164&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">138,999&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137,122&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">129,909&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">128,933&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,089&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,189&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Risk-weighted assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">155,664&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">151,102&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratios (%), operating means and customers</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">RoTE (post-AT1)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.8&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.3)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43.6&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.32&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.07&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL coverage ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">74&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,751&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,903&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of total customers (thousands)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,709&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,041&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Includes exchange differences.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding reverse repos.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.  Excluding repos.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">48</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:58.423%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.020%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Openbank Europe</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,685&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,361&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">804&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">902&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(10.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(10.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,925</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,644</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,899)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,848)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,026</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,796</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,363)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,209)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,398</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,131</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7468;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">142,477&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">139,927&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87,559&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">85,876&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits &#7470;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82,359&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81,376&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,200&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,500&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Excluding reverse repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:58.423%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.020%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Openbank US</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,581&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,651&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">339&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">303&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,072</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,297</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,188)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,225)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,884</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,072</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,140)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,466)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">699</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">551</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">32.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7468;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,402&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56,266&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50,333&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,230&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits &#7470;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,444&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,541&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,889&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,689&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Excluding reverse repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">49</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:58.423%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.020%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">CORPORATE &amp; INVESTMENT BANKING</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,824&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,779&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,552&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,415&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions &#7468;</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,281&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(18.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(15.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">359&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">136&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">164.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">159.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,016</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,897</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,752)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,922)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,264</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,975</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(278)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(141)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">97.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(37)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(19)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">98.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">99.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,949</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,815</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,114)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,023)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,835</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,792</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,835</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,792</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(127)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(153)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(17.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,708</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,639</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7470;</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">146,065&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">130,840&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">149,731&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">147,492&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137,267&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">133,433&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,464&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,059&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Risk-weighted assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">103,485&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117,010&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratios (%) and operating means</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">RoTE (post-AT1)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.8&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.3&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.5&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46.8&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.72&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.86&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.14)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL coverage ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,266&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,652&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Includes exchange differences.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding reverse repos.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.  Excluding repos.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">50</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:58.423%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.020%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">WEALTH MANAGEMENT &amp; INSURANCE</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,335&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,591&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(16.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(14.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,642&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,442&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions &#7468;</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">512&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">256&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">105.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">552&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">298&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">85.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">98.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,042</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,587</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,444)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,403)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,598</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,183</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(42)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(51.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(51.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">66.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">67.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,564</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,134</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(532)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(509)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,032</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,624</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,032</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,624</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(50)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(40)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,983</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,584</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">25.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">28.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7470;</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,680&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,643&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">181,509&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">161,304&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58,051&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,736&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">123,458&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">105,568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Risk-weighted assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,447&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,709&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Assets under management</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">540,585&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">483,695&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gross written premiums</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,632&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,752&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratios (%), operating means and customers</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">RoTE (post-AT1)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">61.5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68.2&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6.7)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35.7&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.86&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.98&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.12)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL coverage ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,263&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,425&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of Private Banking customers (thousands)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">297&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">283&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Includes exchange differences.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding reverse repos.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.  Excluding repos.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">51</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:58.423%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.020%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">PAYMENT SOLUTIONS</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">167&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">132&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">27.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">35.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,059&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">958&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions &#7468;</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">171&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,373</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,240</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,203)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,209)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">170</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">31</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">451.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(247)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(95.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(95.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">134</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(233)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(19)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(57)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(65.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(60.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">115</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(290)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">115</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(290)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(19)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">101.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">120.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">96</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(299)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7470;</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,002&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,087&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,392&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,038&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,392&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,038&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Risk-weighted assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,421&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,898&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratios (%) and operating means</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">EBITDA margin</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34.5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27.5&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.0&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87.6&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">97.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,059&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,382&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Includes exchange differences.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding reverse repos.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.  Excluding repos.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">52</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i5e2d5b7a51184f6692cf5cde74fec6ff"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Secondary segments</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:31.640%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.499%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Spain</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">UK</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,305&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,256&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,008&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,950&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,022&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,867&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">369&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">283&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">31.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">841&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(23.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(100)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(18)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">445.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">452.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">720&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">358&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">101.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(245)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(203)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,887</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,580</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,032</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,011</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">0.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,465)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,509)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,937)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,050)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,423</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,071</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,095</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,962</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">8.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,142)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,259)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(9.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(177)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(64)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">177.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">180.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(198)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(372)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(46.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(124)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(104)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6,083</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,440</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,794</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,794</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">0.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,811)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,678)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(486)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(488)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,272</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,763</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,307</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,306</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,272</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,763</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,307</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,306</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,272</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,762</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,307</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,306</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance sheet</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">264,950&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">246,897&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">242,624&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">246,453&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cash, central banks and credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88,904&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">97,838&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,335&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">54,787&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">120,671&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94,519&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,570&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(30.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,675&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">48,132&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">270&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">390&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(30.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(27.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other asset accounts</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,361&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,341&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,048&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,382&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">545,561</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">509,726</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">312,846</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">320,132</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">354,943&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">323,425&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">225,708&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">230,408&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Central banks and credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">54,996&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57,218&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,326&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,665&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(28.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Marketable debt securities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,957&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,385&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,231&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,933&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial liabilities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63,188&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">59,976&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,441&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,500&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other liabilities accounts</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,268&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,277&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,733&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">31.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">38.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total liabilities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">525,352</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">489,168</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">299,984</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">308,239</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total equity</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,209</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,558</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,863</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,893</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Memorandum items:</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gross loans and advances to customers </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">237,385&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">225,759&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">228,273&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">236,496&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">429,464&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">399,999&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">227,160&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">230,479&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 7.75pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">322,070&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">306,389&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">219,440&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">222,835&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">107,394&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">93,609&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,719&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,643&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratios (%), operating means and customers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">RoTE (post-AT1)</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20.4&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">18.3&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">2.2&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.2&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">10.6&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(0.4)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37.6&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">38.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58.4&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">60.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.94&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.66&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.73)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.08&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.25)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL coverage ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">53&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of branches</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,630&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,827&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(10.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">363&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">444&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(18.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of total customers (thousands)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,362&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,307&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,720&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,541&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of active customers (thousands)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,242&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,842&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,547&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,646&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f4fbfc;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f4fbfc;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f4fbfc;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f4fbfc;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. Includes exchange differences.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Excluding reverse repos.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C. Excluding repos.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">53</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></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 style="width:30.882%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.378%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.859%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.859%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.412%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.378%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.161%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.161%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.603%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portugal</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Openbank Europe</span></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">% excl. FX</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,346&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,548&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(13.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,685&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,361&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">506&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">467&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">804&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">902&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(10.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(10.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">70&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(39)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">61.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">569.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">474&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,956</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,065</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(5.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,925</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,644</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(544)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(574)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,899)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,848)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,412</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,492</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(5.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,026</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,796</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">8.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">8.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(11)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,363)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,209)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(266)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(456)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(41.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(41.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,417</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,481</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(4.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,398</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,131</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">23.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">23.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(405)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(478)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(15.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(322)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(255)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">25.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">25.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,011</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,003</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,076</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">876</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,011</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,003</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,076</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">876</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(18.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(304)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(234)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,010</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,001</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">772</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">642</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance sheet</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,260&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,410&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">139,322&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137,038&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cash, central banks and credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,744&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,873&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(29.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,078&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,185&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,998&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,010&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,510&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,310&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,243&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,129&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">126&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">128&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other asset accounts</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,090&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,109&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,088&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,115&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">62,334</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59,530</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">176,125</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">173,775</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,576&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">38,304&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82,359&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">81,376&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Central banks and credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,357&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,813&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,820&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Marketable debt securities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,809&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,973&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,494&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,137&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial liabilities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">304&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">339&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(10.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,014&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,918&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other liabilities accounts</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,916&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,056&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,208&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,714&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total liabilities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">58,961</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">55,485</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">162,896</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">160,264</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total equity</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,373</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,046</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(16.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,229</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,512</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Memorandum items:</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gross loans and advances to customers </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,980&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39,143&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">142,477&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">139,927&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,201&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">43,186&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87,559&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">85,876&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 7.75pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,576&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">38,304&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82,359&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">81,376&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,625&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,882&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,200&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,500&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratios (%), operating means and customers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">RoTE (post-AT1)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30.3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">25.0&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">5.3&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.7&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">5.5&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">1.2&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27.8&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48.9&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.99&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.27&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.29)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.53&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.03&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL coverage ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">78&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">83&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of branches</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">308&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">374&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(17.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">298&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">326&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of total customers (thousands)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,971&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,989&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,893&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,550&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of active customers (thousands)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,945&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,905&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. Includes exchange differences.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="border-top:0.5pt solid #f0f0f0;padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="border-top:0.5pt solid #f0f0f0;padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="border-top:0.5pt solid #f0f0f0;padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Excluding reverse repos.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C. Excluding repos.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">54</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:24pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:31.640%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.011%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.016%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">US</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mexico</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7.3pt;font-weight:700;line-height:105%">% excl. FX</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7.3pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,888&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,693&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,554&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,631&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,328&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,152&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,454&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,385&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">547&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">371&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">54.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">427&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">396&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">165&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">365&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(54.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(52.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(130)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(133)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,929</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,580</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6,305</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6,278</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">0.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">10.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,890)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,965)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,730)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,727)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,039</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,615</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">16.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,575</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,551</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">0.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">10.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,244)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,507)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(10.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,239)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,277)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(47)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(55)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(14.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(10.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,748</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,053</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">66.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">73.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,336</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,274</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(207)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">56&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(627)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(598)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,541</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,109</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">45.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,709</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,676</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,541</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,109</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">45.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,709</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,676</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,541</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,109</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">39.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">45.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,705</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,671</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance sheet</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">132,659&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">134,856&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,083&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,054&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cash, central banks and credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,318&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,200&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,569&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,945&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,411&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,042&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,066&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,092&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,159&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,821&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,731&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,785&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(18.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(19.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other asset accounts</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,171&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,058&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(30.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(21.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,778&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,745&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">206,718</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">208,978</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">102,227</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">97,621</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">122,000&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">125,403&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,595&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">49,836&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Central banks and credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,934&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,794&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,984&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,260&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Marketable debt securities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,433&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,783&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,316&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,632&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial liabilities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,255&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,223&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">35.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,586&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,640&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(21.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(22.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other liabilities accounts</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,085&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,683&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(16.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,258&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,115&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total liabilities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">192,707</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">192,886</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">93,740</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">89,483</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total equity</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,011</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,091</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,487</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,138</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Memorandum items:</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gross loans and advances to customers </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">108,950&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117,511&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49,442&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,715&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">103,178&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">108,246&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68,201&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">61,160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 7.75pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87,686&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">93,545&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,498&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">41,528&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,492&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,702&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,703&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,632&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratios (%), operating means and customers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">RoTE (post-AT1)</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.2&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">6.9&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">3.2&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22.0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">19.6&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">2.3&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49.1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">52.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43.3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">43.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.82&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.68&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.65&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.05)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL coverage ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">64&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">105&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of branches</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">376&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(7.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,314&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,356&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of total customers (thousands)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,369&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,474&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,577&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,289&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of active customers (thousands)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,169&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,308&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,976&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,871&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. Includes exchange differences.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="border-top:0.5pt solid #f0f0f0;padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="border-top:0.5pt solid #f0f0f0;padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="border-top:0.5pt solid #f0f0f0;padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="border-top:0.5pt solid #f0f0f0;padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Excluding reverse repos.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C. Excluding repos.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/></tr><tr><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">55</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:31.640%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.011%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.016%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Brazil</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Chile</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7.3pt;font-weight:700;line-height:105%">% excl. FX</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7.3pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,380&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,121&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(7.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,917&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,822&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,193&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,414&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">582&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">551&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(64)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(37)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">86.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">230&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">238&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">139.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">160.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(18)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,602</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,536</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(6.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,714</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,592</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">10.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,957)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,219)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(919)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(942)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,645</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">8,318</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(8.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(0.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,795</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,650</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">8.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">14.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,409)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,487)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(531)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(497)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(42)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(24.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(20.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,224</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,830</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(15.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(8.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,232</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,111</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">16.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(836)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,165)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(28.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(22.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(189)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(211)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(10.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,388</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,665</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(10.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,043</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">899</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,388</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,665</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(10.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,043</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">899</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(220)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(243)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(314)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(271)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,168</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,422</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(10.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">729</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">629</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">22.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance sheet</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87,653&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88,620&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39,924&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,332&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cash, central banks and credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49,450&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,745&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,218&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,759&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,658&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,670&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,385&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,993&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,772&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,632&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,489&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,554&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(15.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other asset accounts</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,919&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,844&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,189&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,796&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(21.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(19.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">209,453</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">205,510</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">68,205</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">70,434</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">92,256&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">93,994&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,503&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,181&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Central banks and credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,377&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,878&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,778&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,133&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Marketable debt securities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,161&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,351&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,703&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,403&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial liabilities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,757&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34,215&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,322&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,323&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(14.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(11.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other liabilities accounts</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,829&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,582&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,299&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,942&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total liabilities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">193,380</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">190,020</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">62,604</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">64,983</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total equity</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,073</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,490</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,601</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,451</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Memorandum items:</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gross loans and advances to customers </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93,030&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93,785&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,986&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">132,580&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">129,881&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,256&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">43,383&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 7.75pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80,449&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">81,378&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,293&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30,060&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">52,132&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">48,503&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,963&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,324&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratios (%), operating means and customers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">RoTE (post-AT1)</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">16.8&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(1.5)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19.7&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">16.3&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">3.4&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39.3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">38.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33.9&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.76&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.66&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.73&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.37&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL coverage ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">79&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of branches</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,618&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,202&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(26.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">228&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">237&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of total customers (thousands)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73,948&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">69,455&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,608&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,311&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of active customers (thousands)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,966&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33,123&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,693&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,556&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. Includes exchange differences.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="border-top:0.5pt solid #f0f0f0;padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="border-top:0.5pt solid #f0f0f0;padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="border-top:0.5pt solid #f0f0f0;padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Excluding reverse repos.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C. Excluding repos.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">56</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:31.640%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.499%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Argentina</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Rest of the Group</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7.3pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,727&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,919&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(40.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,080&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">832&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">29.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">36.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">788&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">602&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">908&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">722&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">229&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">229&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">296&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">326&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(510)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,263)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(59.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">187.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">175.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,235</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,487</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(10.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,309</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,889</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">22.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">26.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(978)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,337)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,676)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,643)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,257</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,150</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">634</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">246</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">158.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">197.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(574)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(284)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">101.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(260)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(230)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(33)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(39)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(14.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(45)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(263)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(82.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(82.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">650</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">827</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(21.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">328</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(248)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(216)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(161)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">34.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(29)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(37)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(22.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(9.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">434</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">666</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(34.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f4fbfc;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">300</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(285)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f4fbfc;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">434</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">666</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(34.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f4fbfc;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">300</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(285)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(39.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f4fbfc;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(89.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(87.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">433</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">665</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(34.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f4fbfc;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">300</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(280)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance sheet</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,032&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,684&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,315&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,905&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cash, central banks and credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,724&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,901&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,912&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,178&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,230&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,654&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,452&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(58.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(57.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(28.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,387&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,041&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(21.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(16.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other asset accounts</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,078&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">978&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,157&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,930&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,080</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,240</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(7.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">48,222</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">49,732</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,959&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,293&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(11.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,913&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,955&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">34.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">42.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Central banks and credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">685&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">852&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(19.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,249&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,309&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(57.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(55.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Marketable debt securities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">258&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">158&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,508&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">898&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">401.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">408.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial liabilities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,060&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">968&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,402&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,694&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(10.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other liabilities accounts</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">547&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">476&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,543&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,514&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total liabilities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,510</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,746</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(9.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">43,614</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">44,371</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total equity</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,570</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,494</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,608</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,360</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(14.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(10.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Memorandum items:</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gross loans and advances to customers </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,611&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,938&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,796&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,285&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,894&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,047&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,916&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34,204&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 7.75pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,959&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,293&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(11.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,691&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,527&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">44.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,934&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,754&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,225&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">31.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">35.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratios (%), operating means and customers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">RoTE (post-AT1)</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20.2&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">34.5&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(14.3)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43.8&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">53.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(10.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.68&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.06&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.62&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL coverage ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">90&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(87)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of branches </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">391&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">409&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of total customers (thousands)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,412&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,117&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of active customers (thousands)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,772&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,674&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. Includes exchange differences.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Excluding reverse repos.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C. Excluding repos.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/></tr><tr><td colspan="3" style="display:none"/></tr><tr><td colspan="33" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D. In Argentina, we have included the CartaSur points of sale and the banking service points in 2025 and 2024 figures and all previous periods.</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">57</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451859"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="i872d6b3e6e3b4bc8a177defe74645550"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">4.4 Financial performance: 2024 vs 2023</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Santander follows IFRS to report its results (see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_847">note 1.b</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements), which generally inform reporting of our financial situation in this consolidated directors&#8217; report. However, we also use non-IFRS measures and Alternative Performance Measures (APMs) to assess our performance (see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6. 'Alternative performance measures: 2025, 2024 and 2023'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">). Thus, the main adjustments to our IFRS results consist of:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Underlying results measures: we present what we call underlying results measures which exclude items outside the ordinary course of business and reclassify certain items under some headings of the underlying income statement as described at the end of </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451871">4.4.1 &#8216;Results&#8217;</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> and in </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1132">note 52.c</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements. In our view, this provides a better year-on-year comparison.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451941">4.5 'Financial information by segment: 2024 vs 2023'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, we present results by primary and secondary segments only in underlying terms in accordance with IFRS 8. We reconcile them in aggregate terms with our IFRS consolidated results in </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1132">note 52.c</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Local currency measures: we use certain non-IFRS financial indicators in local currency to assess our ongoing operating performance. They include the results from our subsidiary banks outside the eurozone excluding the exchange rate impact (i.e., in constant euros) except for Argentina and any grouping which includes it. For further information, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6. 'Alternative performance measures: 2025, 2024 and 2023'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, which explains how we exclude the exchange rate impact from financial measures in local currency. Because changes in exchange rates have a non-operating impact on results, we believe assessing performance in local currency provides management and investors a more meaningful assessment of performance.  </span></div><div style="margin-bottom:24pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">We have rounded certain figures in this consolidated directors' report to present them more clearly. Thus, the amounts given in the totals columns and rows of tables in certain instances may not match the sum of that column or row.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">58</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451871"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="ifd5fb4ab547141a7a4482f0646a625f7"></span><span style="color:#ec0000;font-family:'Santander Text SemiBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">4.4.1 Group results</span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451883"></div><div style="margin-top:9pt;text-align:justify"><span id="ie4b35129e161420191b34a69b8190c9c"></span><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Group statutory income statement</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/></tr></table></div><div><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:99.871%"><tr><td style="width:1.0%"/><td style="width:68.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.458%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Condensed income statement</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Absolute</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Net interest income (interest income minus interest expense)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,787&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,650&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,137&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income (commission income minus commission expense)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,376&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,495&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">881&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gains or losses on financial assets and liabilities and exchange differences (net)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,211&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,565&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(354)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Dividend income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">710&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">142&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Income from companies accounted for using the equity method</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">687&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">591&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other operating income/expenses</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,728)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,918)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">190&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">58,043</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">53,951</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,092</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating expenses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(25,215)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24,684)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(531)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 5.5pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Administrative expenses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(22,036)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21,598)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(438)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Staff costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(13,851)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13,299)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(552)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Other general administrative expenses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(8,185)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8,299)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">114&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 5.5pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Depreciation and amortization</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,179)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,086)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(93)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions or reversal of provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,062)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,058)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,004)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment or reversal of impairment of financial assets not measured at fair value through profit or loss (net)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12,136)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12,298)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">162&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment of other assets (net)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(624)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(237)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(387)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">163.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains or losses on non-financial assets and investments (net)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">368&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">312&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Negative goodwill recognized in results</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(39)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(100.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains or losses on non-current assets held for sale not classified as discontinued operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(27)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Profit or loss before tax from continuing operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,347</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,005</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,342</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax expense or income from continuing operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,844)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,880)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(964)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Profit from the period from continuing operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,503</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,125</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,378</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit or loss after tax from discontinued operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,241&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,058&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">183&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Profit for the period</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,744</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,183</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,561</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit attributable to non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,170)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,107)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(63)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Profit attributable to the parent</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,574</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,076</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,498</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: the summarized income statement groups some lines of the </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_826">consolidated income statements</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> as follows:</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.6pt">&#8216;Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net&#8217;; &#8216;Gain or losses on financial assets and liabilities held for trading, net&#8217;; &#8216;Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss&#8217;; &#8216;Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net&#8217;; &#8216;Gain or losses from hedge accounting, net&#8217;; and &#8216;Exchange differences, net&#8217;.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.47pt">Other operating income&#8217;; &#8216;Other operating expenses&#8217;; &#8217;Income from insurance and reinsurance contracts&#8217;; and &#8216;Expenses from insurance and reinsurance contracts&#8217;.</span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">59</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ia1cd05c08d9344e5a7cd9d01ec3cf738"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:121%">Main income statement items</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%">In accordance with IFRS 5 requirements, results associated with the business subject to the Poland disposal are reported under a single line item in the consolidated income statement &#8212; 'profit/(loss) after tax from discontinued operations' &#8212; for the years 2025, 2024 and 2023.</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:130%">In the consolidated balance sheet, the assets associated with the businesses subject to the Poland disposal are classified under the 'non-current assets held for sale' line item and the related liabilities under 'liabilities associated with non-current assets held for sale' solely for the year ended 31 December 2025.</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:130%">Therefore, this classification does not affect the balance sheet for the year ended 31 December 2024 or for the year ended 31 December 2023.</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:130%">However, to facilitate analysis and ensure comparability of the information in the following tables 'average balance sheet - assets and interest income', 'average balance sheet - liabilities and interest expense', 'volume and profitability analysis', 'volume and cost analysis' and 'net interest income. Volume, profitability and cost analysis summary' were calculated classifying assets and liabilities associated with the businesses subject to the Poland disposal under 'assets/liabilities from discontinued operations' in both periods presented.</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:130%">In 2024, profit attributable to the parent reached a new record of EUR 12,574 million, representing a year-on-year increase of 14%, compared to the EUR 11,076 million recorded in 2023. This increase was backed by the good performance in total income, which grew at a much higher pace than operating expenses.</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:130%">This year-on-year comparison is impacted by a higher charge relating to the temporary levy on revenue earned in Spain (EUR 335 million in 2024), charges in Q2 2024 related to the discontinuation of our merchant platform in Germany and Superdigital in Latin America (EUR 243 million, net of tax and minority interests) and the provision in Q4 2024 for potential complaints related to motor finance dealer commissions in the UK (EUR 260 million, net of tax). Additionally, there was a lower contribution to the Deposit Guarantee Fund (DGF) in Spain in 2024 and there was no contribution to the Single Resolution Fund (SRF) as contributions ended in 2023.</span></div><div style="margin-bottom:3pt"><span id="i71a34e5afe14458b89a5edd80ec7ebfa"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Total income</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:130%">Total income amounted to EUR 58,043 million in 2024, compared to EUR 53,951 million in 2023, an 8% increase year-on-year. Net interest income and net fee income accounted for around 97% of total income. By line item:</span></div><div style="margin-bottom:3pt"><span id="i605828c7fb98479fa611b8efc4762489"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Net interest income</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:130%">Net interest income amounted to EUR 43,787 million, 8% higher than in 2023.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following tables show the average balances of each year <br/>calculated as the monthly average over the period, which we believe should not differ materially from using daily balances, and the interest generated.</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:130%">The tables on the following pages also include average balances and interest rates in 2024 and 2023, based on the domicile of the entities at which the relevant assets or liabilities are recorded. Domestic balances relate to our entities domiciled in Spain. International balances relate to entities domiciled outside of Spain (reflecting our foreign activity), and are divided into mature markets (the US and Europe, except Spain) and developing markets (South America and Mexico).</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:130%">The average balance of interest-earning assets in 2024 was 2% higher than in 2023. The activity of our entities in both the domestic market and in the international mature markets grew by 3% year-on-year, while in international developing markets they decreased 2%.</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:130%">The average balance of interest-bearing liabilities in 2024 was 2% higher year-on-year, with growth in the domestic market (+6% year-on-year) whereas both the international mature markets and international developing markets were 1% lower year-on-year.</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:130%">The average return on interest-earning assets increased from 6.68% in 2023 to 7.03% in 2024, following a strong rise in 2023. By market, it grew 49 bps year-on-year in the domestic market, +53 bps year-on-year in our international mature markets, and +6 bps year-on-year in our international developing markets.</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:130%">The average cost of interest-bearing liabilities increased 22 bps in 2024 to 4.42%. By market, domestic and international mature markets increased 48 bps and 67 bps, respectively. However, in international developing markets it decreased 106 bps.</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:130%">We calculated the change in interest income/(expense) shown in the tables below by:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Applying the interest rate of the previous period to the difference between the average balances from the current and previous periods to obtain the change in volumes.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Applying the difference between the rates from the current and previous periods to the average balance from the previous year to obtain the change in interest rate.</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:130%">Both interest income and expense increased in 2024, mainly due to higher average interest rates. </span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">60</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:49.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.757%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Average balance sheet - assets and interest income </span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average rate</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash balances at central banks and other deposits on demand, and loans and advances to central banks and credit institutions </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">285,813</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,140</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5.65</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">306,622</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,272</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5.31</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">108,705&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,701&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.32&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">117,332&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,694&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.00&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">114,350&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,700&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.98&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">124,570&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,611&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,758&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,739&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.14&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">64,720&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,967&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">of which:</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Reverse repurchase agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">63,820&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5,533&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8.67&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">53,760&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,670&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8.69&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">32,739&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,901&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.81&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">24,292&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,336&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,085&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">492&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.09&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,845&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.74&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22,996&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,140&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">13.65&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">24,623&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,056&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">12.41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">1,018,241</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">74,900</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">7.36</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">1,005,713</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">67,879</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">6.75</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">265,043&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,272&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.63&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">265,322&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,581&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.99&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">562,488&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,884&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.02&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">546,641&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,771&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.26&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">190,710&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,744&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.07&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">193,750&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,527&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.72&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 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:105%">of which:</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">61,528&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5,884&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9.56&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">46,238&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.00&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">12,410&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">468&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.77&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,725&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">261&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.99&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">48,161&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5,310&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11.03&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36,546&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,809&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.42&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">957&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">106&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11.08&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">967&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">93&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.62&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">246,539</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">15,431</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">6.26</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">211,269</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">13,955</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">6.61</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94,607&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,478&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.68&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71,507&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,503&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.50&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64,140&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,174&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.39&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,327&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,444&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.81&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87,792&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,779&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.14&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88,435&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,008&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Income from hedging operations</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">2,470</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">3,510</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(45)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,001&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,955&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">317&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">600&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Other interest</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">71</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">126</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(71)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(47)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">110&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Total interest-earning assets</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">1,550,593</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">109,012</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">7.03</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">1,523,604</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">101,742</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">6.68</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">468,355&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,532&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.38&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">454,161&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,686&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.89&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">740,978&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,801&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.91&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">722,538&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,844&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.38&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">341,260&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,679&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.09&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">346,905&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,212&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.03&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Other non-interest earning assets</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">193,101</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">197,273</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets from discontinued operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59,578</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">52,226</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average total assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,803,272</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">109,012</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,773,103</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">101,742</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr></table></div><div style="text-indent:-7.09pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">61</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:49.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.757%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Average balance sheet - liabilities and interest expense </span></div></td></tr><tr><td colspan="24" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Liabilities and stockholders&#8217; equity</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average <br/>balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average <br/>rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average <br/>&#160;balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average <br/>rate</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deposits from central banks and credit institutions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">151,986</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,381</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6.17</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">174,294</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,360</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5.37</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60,256&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,960&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.91&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,366&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,723&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.37&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,633&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,447&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.48&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63,456&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,989&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,097&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,974&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.44&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,472&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,648&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.53&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 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:105%">of which:</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Repurchase agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">63,556&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,539&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7.14&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">55,594&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,711&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.68&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">37,663&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,973&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.24&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34,123&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,686&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.94&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,773&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">579&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.60&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,542&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">388&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.93&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">17,120&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,987&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11.61&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,929&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,637&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.97&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">994,107</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">35,714</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">3.59</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">969,831</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">32,457</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">3.35</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">321,519&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,944&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.54&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">302,379&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,269&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.08&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">472,750&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,283&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.44&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">468,602&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,386&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.64&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">199,838&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,487&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.25&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">198,850&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,802&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 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:105%">of which:</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Repurchase agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">85,139&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,207&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9.64&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">73,158&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,059&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.65&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">14,124&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">586&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.15&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,602&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">263&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">48,115&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5,278&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10.97&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">46,992&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,125&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.78&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22,900&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,343&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10.23&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,564&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,671&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12.39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Marketable debt securities </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">307,931</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">14,612</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">4.75</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">287,148</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">12,671</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">4.41</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">147,606&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,330&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.61&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">134,045&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,184&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.12&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117,291&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,323&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.54&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">108,912&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,219&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.87&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,034&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,959&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.20&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,191&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,268&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.66&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 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:105%">of which:</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Commercial paper</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">25,809&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,244&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.82&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29,195&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,329&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.55&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">17,046&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">727&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.26&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,509&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">888&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7,143&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">339&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.75&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,641&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">243&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.31&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,620&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">178&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10.99&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,045&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">198&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.68&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Other interest-bearing liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">22,762</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">672</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">2.95</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">23,020</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">634</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">2.75</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,151&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">490&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.86&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,109&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">469&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.91&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,707&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.46&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,830&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.02&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,904&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">165&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.67&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,081&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">164&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.88&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Expenses from hedging operations</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">3,066</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">4,374</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,159&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,045&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,325&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,756&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">582&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,573&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Other interest</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">1,780</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">1,596</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">741&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">567&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">282&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">304&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">757&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">725&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Total interest-bearing liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">1,476,786</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">65,225</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">4.42</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">1,454,293</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">61,092</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">4.20</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">546,532</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,624</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.86</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">514,899</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,257</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.38</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">638,381</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,677</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.02</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">645,800</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,655</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.35</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">291,873</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23,924</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.20</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">293,594</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,180</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.26</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Other non-interest bearing liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">168,212</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">170,566</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,398</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,650</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total stockholders&#180; equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">96,744</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">93,035</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities from discontinued operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,132</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">46,559</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average total liabilities and stockholders&#180; equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,803,272</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">65,225</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,773,103</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">61,092</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.6pt">Does not include contingently convertible preference shares and perpetual subordinated notes because they do not accrue interest. We include them under 'Other non-interest-bearing liabilities'.</span></div><div style="text-indent:10.91pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">62</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"/><td style="width:65.220%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.730%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.730%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.986%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.734%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Volume and profitability analysis </span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024 vs. 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Increase (decrease) due to changes in</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Interest income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Volume</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total change</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Cash and deposits on demand and loans and advances to central banks and credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,020)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">888</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(132)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(358)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">365&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(482)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">571&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">89&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(180)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(48)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(228)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 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:105%">of which:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">473&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">390&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">863&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 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:105%">Domestic</span></td><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">487&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">78&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">565&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 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:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">196&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">18&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">214&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 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:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(210)</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">294&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">84&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loans and advances to customers</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">391</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6,630</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,021</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,702&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,691&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">854&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,259&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,113&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(452)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">669&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">217&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 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:105%">of which:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,397&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">324&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,721&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 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:105%">Domestic</span></td><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">128&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">79&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">207&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 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:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,270&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">231&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,501&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 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:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #bababa;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #bababa;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.25pt solid #bababa;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Debt securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,173</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">303</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,476</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">844&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">131&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">975&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">401&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">329&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">730&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(72)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(157)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(229)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Income from hedging income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,040)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,040)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">197&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">197&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(954)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(954)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(283)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(283)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other interest</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(55)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(55)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 12.25pt 2px 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:105%">Total interest-earning assets</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">(551)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">7,821</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">7,270</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">648</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,198</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,846</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(202)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,159</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,957</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(997)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">464</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(533)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">63</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"/><td style="width:65.220%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.730%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.730%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.986%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.734%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Volume and cost analysis </span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024 vs. 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Increase (decrease) due to changes in</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Interest expense</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Volume</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total change</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deposits from central banks and credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,181)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,202</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">21</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(95)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">332&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">237&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(980)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">438&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(542)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(106)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">432&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">326&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 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:105%">of which:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">576&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">252&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">828&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Domestic</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">182&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">105&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">287&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">144&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">191&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">250&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">350&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Customer deposits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">412</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,845</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,257</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">218&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,457&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,675&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">111&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,786&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,897&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">83&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,398)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,315)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 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:105%">of which:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">672&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">476&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,148&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Domestic</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">413&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(90)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">323&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,052&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,153&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">158&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(486)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(328)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Marketable debt securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">681</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,260</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,941</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">449&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">697&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,146&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">342&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">762&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,104&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(110)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(199)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(309)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 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:105%">of which:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Commercial paper</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(166)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">81&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(85)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Domestic</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(190)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(161)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">69&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">96&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(45)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(20)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other interest-bearing liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">23</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">38</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Expenses from hedging expenses</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,308)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,308)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">114&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">114&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(431)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(431)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(991)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(991)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other interest</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">184</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">184</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">174&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">174&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(22)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(22)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 12.25pt 2px 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:105%">Total interest-bearing liabilities</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">(1,197)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">5,330</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">4,133</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">890</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,477</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,367</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(980)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,002</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,022</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,107)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,149)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3,256)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:9pt;text-align:center"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">64</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"/><td style="width:65.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.746%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.746%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.840%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.749%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Net interest income. Volume, profitability and cost analysis summary </span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024 vs. 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Increase (decrease) due to changes in</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Volume</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total change</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 5.5pt 2px 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:105%">Interest income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(551)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,821</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,270</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">648&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,198&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,846&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(202)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,159&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,957&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(997)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">464&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(533)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 12.25pt 2px 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:105%">Interest expense</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">(1,197)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">5,330</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">4,133</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">890&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,477&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,367&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(980)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,002&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,022&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">International - Developing markets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,107)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,149)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,256)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 12.25pt 2px 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:105%">Net interest income</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">646</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">2,491</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">3,137</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Domestic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(242)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(279)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(521)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">International - Mature markets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">778</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">157</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">935</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">International - Developing markets</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">110</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,613</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,723</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Net interest income</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr></table></div><div style="margin-bottom:9pt"><img src="san-20251231_g35.jpg" alt="5580" style="height:208px;margin-bottom:5pt;vertical-align:text-bottom;width:241px" id="i-43"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:60.00pt"><tr><td style="width:1.0pt"/><td style="width:42.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:13.75pt"/><td style="width:1.0pt"/></tr><tr style="height:26pt"><td colspan="3" style="background-color:#ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">+8%</span></td><td colspan="3" style="background-color:#ec0000;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="6" style="background-color:#ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">2024 vs. 2023</span></td></tr><tr style="height:36pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Net fee income</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr></table></div><div style="margin-bottom:6pt;text-indent:-4.25pt"><img src="san-20251231_g36.jpg" alt="5586" style="height:209px;margin-bottom:5pt;vertical-align:text-bottom;width:241px" id="i-44"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:59.25pt"><tr><td style="width:1.0pt"/><td style="width:45.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:10.00pt"/><td style="width:1.0pt"/></tr><tr style="height:26pt"><td colspan="3" style="background-color:#ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">+8%</span></td><td colspan="3" style="background-color:#ec0000;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="6" style="background-color:#ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">2024 vs. 2023</span></td></tr><tr style="height:36pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div></div></div><div style="margin-bottom:3pt"><span id="i2a11d324944b4abc9a25faf517c43ea6"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Net fee income</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Net fee income totalled EUR 12,376 million in 2024, 8% higher than in 2023, with good performances in CIB, Openbank and Wealth.</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:130%">For more details, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1069">note 41</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> and </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1072">note 42</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements.</span></div><div style="margin-bottom:3pt"><span id="i856c3c3c8db246d68d6ae840b5045bd6"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Gains or losses on financial assets and liabilities and exchange differences (net)</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:130%">Gains on financial transactions and liabilities and exchange differences (net) stood at EUR 2,211 million (EUR 2,565 million in 2023), affected by lower market activity in South America, especially in Brazil, lower results in Openbank Europe and lower results in the Corporate Centre from foreign currency hedges and risk transfer initiatives.</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:130%">Gains or losses on financial assets and liabilities stem from mark-to-market valuations of the trading portfolio and derivative instruments, which include spot market foreign exchange </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">transactions, sales of investment securities and liquidation of our hedging and other derivative positions.</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:130%">For more details, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1075">note 43</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements. </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:130%">Exchange rate differences primarily show gains and losses from foreign exchange and the differences that arise from converting monetary items in foreign currencies to the functional currency, and from selling non-monetary assets denominated in foreign currency at the time of their disposal. Given Santander manages currency exposures with derivative instruments, the changes in this line should be analysed together with gains or losses on financial assets and liabilities.</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:130%">For more details, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1078">note 44</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">65</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt"><span id="icf682262bfd04af58ab15788597b801c"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Dividend income</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:130%">Dividend income was EUR 710 million in 2024 (EUR 568 million in 2023).</span></div><div style="margin-bottom:3pt"><span id="ib7d9dc0e1ac34fceaa0bd082edb65467"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Income from companies accounted for using the equity method</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:121%">The income from companies accounted for using the equity method reached EUR 687 million in 2024 compared to EUR 591 million in 2023.</span></div><div style="margin-bottom:3pt"><span id="iaa562774678f4037b82527d5406f051d"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Other operating income/expenses</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:130%">Other operating income/expenses recorded a loss of EUR 1,728 million in 2024 (compared to a EUR 1,918 million loss in 2023). These results include the hyperinflation adjustment in Argentina and a charge relating to the temporary levy on revenue earned in Spain, which was 50% higher than in 2023 (EUR 335 million in 2024 versus EUR 224 million in 2023). There was no contribution to the SRF in 2024 and there was a lower contribution to the DGF in Spain (EUR 11 million, net of tax and minority interests in 2024).</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:130%">For more details, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1081">note 45</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statement.</span></div><div style="margin-bottom:3pt"><span id="if8ae437627724153a12b0579765fcc1e"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Operating expenses</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:130%">Operating expenses amounted to EUR 25,215 million in 2024, 2% higher than 2023, increasing below inflation, reflecting our progress in transformation. </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:130%">Our cost management continued to focus on improving our efficiency and, as a result, we remained among the most efficient global banks in the world.</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:130%">Our business transformation plan, ONE Transformation, continued to progress across our footprint, reflected in an enhanced operating performance and better business dynamics.</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:130%">For more details, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1084">note 46</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> and </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1099">note 47</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ifa920c2e34754682ba1bd6ee876449ca"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Provisions or reversal of provisions</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:130%">Provisions (net of provisions reversals) amounted to EUR 3,062 million in 2024 compared to EUR 2,058 million in 2023. In 2024 they included the charges after discontinuing our Superdigital platform in Latin America in Q2 2024 and</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.4pt;font-weight:400;letter-spacing:-0.007em;line-height:130%"> a charge in Q4 2024 from provisions for potential complaints related to motor finance dealer commissions in the UK (EUR 353 million)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">.</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:130%">For more details, see</span><span style="color:#64a0b9;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_991">note 25</a></span><span style="color:#64a0b9;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">to the consolidated financial statements. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span id="ifc559782d45647fa9301be30fc3e7858"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Impairment or reversal of impairment of financial assets not measured at fair value through profit or loss (net)</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:130%">Net impairments totalled EUR 12,136 million in 2024 (EUR 12,298 million in 2023).</span></div><div style="margin-bottom:3pt"><span id="i0c5fa622d8d1411082c4450687d07021"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Impairment on other assets (net)</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:130%">Impairment on other assets (net) was EUR 624 million in 2024 (compared to EUR 237 million in 2023). In 2024, it included the charge registered in Q2 2024 in PagoNxt after discontinuing our merchant platform in Germany. </span></div><div style="margin-bottom:3pt"><span id="i7d047954922044a78baa9fbb19eba3bc"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Gains or losses on non-financial assets and investments (net)</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:121%">In 2024, gains or losses on non-financial assets and investments (net) stood at EUR 368 million, which included the gain recorded in Q2 2024 from an agreement with Sodexo in Brazil (EUR 352 million). In 2023, gains or losses on non-financial assets and investments (net) stood at EUR 312 million.</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:130%">For more details, see</span><span style="color:#64a0b9;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1111">note 48</a></span><span style="color:#64a0b9;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">to the consolidated financial statements.</span></div><div style="margin-bottom:3pt"><span id="ic717ab7295a84ec0b652266a02ba6572"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Negative goodwill recognized in results</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:121%">No negative goodwill was recorded in 2024. Negative goodwill of EUR 39 million was recorded in 2023.</span></div><div style="margin-bottom:3pt"><span id="i21a97c85b9f64921b02612120ddb40d5"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Gains or losses on non-current assets held for sale not classified as discontinued operations</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:121%">This item, which mainly includes impairment of foreclosed assets recorded and the sale of properties acquired upon foreclosure, recorded a EUR 27 million loss in 2024 (EUR 20 million loss in 2023).</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For more details, see</span><span style="color:#64a0b9;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1114">note 49</a></span><span style="color:#3051f2;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">to the consolidated financial statements.</span></div><div><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">66</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:76.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.160%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Impairment or reversal of impairment of financial assets not measured at fair value through profit or loss (net)</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,137&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,274&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Impairment or reversal of impairment of financial assets not measured at fair value through profit or loss and net gains and losses from changes</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,136</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,298</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:18pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:76.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.160%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Impairment on other assets (net)</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Impairment of investments in subsidiaries, joint ventures and associates, net</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Impairment on non-financial assets, net</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">624</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">237</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Tangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">382&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">135&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Intangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">231&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">73&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Others</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Impairment on other assets (net)</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">624</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">237</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt"><span id="i474b3a949b6547b4a1e7b3393e2e65c2"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Profit or loss before tax from continuing operations</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:130%">Profit before tax was EUR 17,347 million in 2024, +16% year-on-year, supported by the good performances in net interest income and net fee income. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i85a40810d06e420c959659ccd50f54e2"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Tax expense or income from continuing operations</span></div><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Total tax expense from continuing operations was EUR 4,844 million in 2024 (compared to EUR 3,880 million in 2023).</span></div><div style="margin-bottom:3pt"><span id="i23a5adfa3bfe4cddb674d4bcc92060aa"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Profit or loss after tax from discontinued operations</span></div><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Profit or loss after tax from discontinued operations totalled EUR 1,241 million in 2024 compared to EUR 1,058 million in 2023. This line records the results associated with the Poland disposal, which increased year-on-year driven by a good revenue performance.</span></div><div style="margin-bottom:9pt;margin-top:3pt"><span><br/></span></div><div style="margin-bottom:25pt;margin-top:3pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Profit attributable to the parent</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr></table></div><div style="margin-bottom:3pt"><img src="san-20251231_g37.jpg" alt="11393" style="height:202px;margin-bottom:5pt;vertical-align:text-bottom;width:241px" id="i-45"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.00pt"><tr><td style="width:1.0pt"/><td style="width:34.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:16.00pt"/><td style="width:1.0pt"/></tr><tr style="height:26pt"><td colspan="6" style="background-color:#ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">+14%</span></td></tr><tr style="height:11pt"><td colspan="6" style="background-color:#ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">2024 vs. 2023</span></td></tr><tr style="height:36pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span id="ia93d895b191e49469e822ce12f12200f"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Profit attributable to non-controlling interests</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:130%">Profit attributable to non-controlling interests stood at EUR 1,170 million in 2024 (EUR 1,107 million in 2023), in part due to the accelerated placement of ordinary shares of Santander Bank Polska S.A. in the year.</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:130%">For more details, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1021">note 28</a></span><span style="color:#3051f2;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">to the consolidated financial statements.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ie5464aea58f245d6b5d0d1fcf2f02272"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:121%">Profit attributable to the parent</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:130%">Profit attributable to the parent amounted to EUR 12,574 million in 2024, 14% higher than the EUR 11,076 million in 2023.</span></div><div style="margin-top:90pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Earnings per share</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR </span></td></tr></table></div><div style="margin-bottom:9pt"><img src="san-20251231_g38.jpg" alt="11776" style="height:201px;margin-bottom:5pt;vertical-align:text-bottom;width:241px" id="i-46"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.00pt"><tr><td style="width:1.0pt"/><td style="width:34.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:16.00pt"/><td style="width:1.0pt"/></tr><tr style="height:26pt"><td colspan="6" style="background-color:#ee2724;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">+18%</span></td></tr><tr style="height:11pt"><td colspan="6" style="background-color:#ee2724;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">2024 vs. 2023</span></td></tr><tr style="height:36pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">67</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451895"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:3pt;text-align:justify"><span id="if853470c336146aa9c487ee2ed8711cd"></span><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Group underlying income statement</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:2.5pt solid #6f7779;padding:0 1pt"/></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:99.871%"><tr><td style="width:1.0%"/><td style="width:16.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.751%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.751%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.500%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Attributable</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Underlying</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Profit</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">RoTE (post-AT1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Profit</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">RoTE (post-AT1)</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:4pt;margin-top:12pt;text-align:center"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:110%">EUR 12,574 million</span></div></td><td colspan="3" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">+14% in euros</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="9" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:4pt;margin-top:12pt;text-align:center"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:110%">15.5%</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:4pt;margin-top:12pt;text-align:center"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:110%">EUR 11,774 million</span></div></td><td colspan="3" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">+13% in euros</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="9" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:4pt;margin-top:12pt;text-align:center"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:110%">14.4%</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:14pt"><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">+16% in constant euros </span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="9" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">+1.1 pp</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">+15% in constant euros </span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="9" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">+1.0 pp</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:1pt solid #9c9c9c;padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: changes vs. 2023.</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #9c9c9c;padding:0 1pt"/><td colspan="9" style="border-bottom:1pt solid #9c9c9c;padding:0 1pt"/><td colspan="9" style="border-bottom:1pt solid #9c9c9c;padding:0 1pt"/><td colspan="9" style="border-bottom:1pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9c9c9c;padding:0 1pt"/></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%"> </span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Below is the condensed income statement adjusted for items beyond the ordinary course of business and reclassification of certain items under some headings of the underlying income statement, as described in </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1132">note 52.c</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements, where our segments' aggregate underlying consolidated results are reconciled to the statutory consolidated results.</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:130%">In the underlying income statement, results obtained in Poland are reported in the 'non-recurring items' line item for 2024 and 2023, so that it is excluded from underlying profit at both the Group and global business levels. </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:130%">Therefore, all underlying ratios and management metrics included in this underlying income statement section have been calculated excluding Poland. </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:130%">The Group presents, both at the total Group level and for each of the business units, the changes in euros registered in the income statement, as well as variations excluding the exchange rate effect (i.e. in constant euros, except for Argentina and any grouping which includes it), understanding that the latter provide a better analysis of the Group&#8217;s management. For further information, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6. 'Alternative performance measures (APMs): 2025, 2024 and 2023'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At the Group level, exchange rates had an unfavourable year-on-year impact of 2.5 pp on total income and a favourable impact of 1.9 pp on total costs, mainly due to the depreciation of the Brazilian real and the Mexican peso.</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:130%">To better understand the business trends, we reclassified certain items under some headings of the underlying income statement. These reclassifications between the statutory and underlying income statements include: </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In 2024:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">As previously explained, in the statutory income statement, results associated with the business subject to the Poland disposal are reported in the 'profit/(loss) after tax from discontinued operations' line item.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">However, in the underlying income statement, the results related to the business subject to the Poland disposal are excluded line-by-line from the underlying income statement and recorded in the 'non-recurring items' line.</span></div></div></div><div style="padding-left:14.17pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:56.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.347%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Condensed underlying income statement</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change</span></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Absolute</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,824&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">40,718&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,106&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">7.6</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">9.8</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,335&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,468&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">867&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">7.6</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">10.8</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions and exchange differences </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,216&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,566&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(350)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(13.6)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(11.1)</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(391)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(812)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">421&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(51.8)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(52.0)</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">57,984</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">53,940</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,044</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7.5</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">10.0</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(27,354)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(26,501)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(853)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3.2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">5.1</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">30,630</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">27,439</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,191</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11.6</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">14.6</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11,822)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(11,784)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(38)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">0.3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3.8</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,431)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(350)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,081)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">308.9</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">313.8</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17,377</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15,305</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,072</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13.5</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15.9</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,853)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,112)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(741)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">18.0</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">20.1</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,524</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,331</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11.9</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">14.4</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,524</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,331</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11.9</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">14.4</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(750)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(791)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">41&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,774</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">10,402</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,372</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13.2</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15.5</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-recurring items</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">800&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">674&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">126&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">18.7</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">18.8</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit attributable to the parent</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,574</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,076</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,498</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13.5</span></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15.7</span></td><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.6pt">Excluding non-recurring items.</span></div><div style="text-indent:10.91pt"><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;text-indent:10.91pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">68</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">As explained in </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1132">note 52.c</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements, certain charges recorded in the statutory income statements under the line items that comprise 'other gains (losses) and provisions' are presented in the underlying income statement under the 'total costs' line item. These are mainly recurring operating charges, primarily related to labour and legal processes, and exclude EUR 835 million of restructuring charges, EUR 353 million of provisions for potential complaints related to motor finance dealer commissions and EUR 243 million from charges related to the discontinuation of our merchant platform in Germany and Superdigital in Latin America.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Provisions which strengthen the balance sheet in Brazil of EUR 352 million gross in Q2 2024 (EUR 174 million net of tax and minority interests) which were compensated by gains on the sale of our stake in Pluxee in Brazil. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In 2023:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">As previously explained, in the statutory income statement, results associated with the business subject to the Poland disposal are reported in the 'profit/(loss) after tax from discontinued operations' line item.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">However, in the underlying income statement, the results related to the business subject to the Poland disposal are excluded line-by-line from the underlying income statement and recorded in the 'non-recurring items' line.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">As explained in </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1132">note 52.c</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, certain charges recorded in the statutory account under the line items that comprise 'other gains (losses) and provisions' are presented in the underlying income statement under the 'total costs' line item. These are mainly recurring operating charges, primarily related to labour and legal processes, and exclude EUR 385 million of restructuring charges.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Provisions to strengthen the balance sheet in Brazil in Q1 2023, totalling EUR 235 million, net of tax and non-controlling interests (EUR 474 million recorded in net loan-loss provisions, EUR 213 million positive impact in tax and EUR 26 million in non-controlling interests) which were more than offset by gains of EUR 270 million resulting primarily from the divestments of stakes in Brazil and Openbank in the 'other gains (losses) and provisions' 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:130%">Additionally, regarding results that fall outside the ordinary course of our business and are therefore excluded from the underlying income statement and recorded in the 'non-recurring items' line:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">As previously explained, in both 2024 and 2023, results obtained in Poland are reported in the 'non-recurring items' line.</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:130%">For more details, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1132">note 52.c</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements.</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:130%">As a result, the profit attributable to the parent was EUR 12,574 million, increasing 14% in euros and 16% in constant euros compared to 2023, while the underlying profit was EUR 11,774 million in 2024 which also represented a rise of 13% in euros and 15% in constant euros compared to 2023.</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:130%">This year-on-year comparison is impacted by a higher charge relating to the temporary levy on revenue earned in Spain, charges </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">in Q2 2024 related to the discontinuation of our merchant platform in Germany and Superdigital in Latin America (EUR 243 million, net of tax and minority interests) and by the provision in Q4 2024 for potential complaints related to motor finance dealer commissions in the UK (EUR 260 million, net of tax and minority interests).</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:130%">Additionally, in 2024, there was a lower DGF contribution in Spain and there was no contribution to the SRF as contributions ended in 2023.</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:700;line-height:121%">Total income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%"> amounted to EUR 57,984 million in 2024, a 7% increase year-on-year. </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">In constant euros, total income increased by 10% year-on-year, as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> (NII) totalled EUR 43,824 million and increased by 10% year-on-year, with growth across all businesses:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Retail</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, which represented 63% of the NII of the total operating areas, NII increased by 11%, with rises in most countries, but especially in South America, driven by higher volumes, and in Spain and Portugal, due to good margin management. </span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">NII grew strongly (+6%) in</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"> Openbank</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> (24% of the NII of the total operating areas), on the back of active loan repricing and volumes growth in Openbank Europe, and higher volumes and lower interest rates in Brazil.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"> CIB, </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">NII increased by 16%, boosted by our three main business lines.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Wealth</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, NII increased by 7%, driven by good margin management in a favourable macroeconomic environment and strong commercial activity in Private Banking.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Payments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, NII increased strongly (+50%), due to higher activity.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Net fee income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> reached EUR 12,335 million, increasing by 11% year-on-year, with growth across all businesses. We recorded this excellent net fee income performance as a result of executing our strategy to capture network effects across the Group. By business:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Retail</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, net fee income increased by 3%, supported by the good performances in Brazil, Argentina and the US.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Openbank</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, net fee income increased by 24%, driven mainly by growth in Openbank Europe due to increased insurance penetration, volumes growth in Brazil and auto fee income in the US.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">CIB</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, net fee income increased by 22%, especially boosted by the US Banking Build-Out (US BBO) initiative.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Wealth</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, net fee income increased by 21%, with growth across businesses, boosted especially by higher volumes on the back of positive commercial activity and a favourable market performance.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Payments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, net fee income increased by 5%, boosted by higher activity. </span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">69</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:15pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:71.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.382%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Net fee income</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Asset management business, funds and insurance</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,244&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,890&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit and debit cards</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,250&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,286&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Securities and custody services</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,251&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,059&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Account management and availability fees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,953&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,866&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cheques and payment orders</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">795&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">784&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Foreign exchange</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">632&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">629&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Charges for past-due/unpaid balances and guarantees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">313&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">304&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Bill discounting</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">139&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">208&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">758&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">441&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,335</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,468</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Gains on financial transactions and exchange differences </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">decreased 11%, mainly due to lower results in CIB, mainly in Brazil, affected by weaker market activity (though there was some recovery in the second half of the year), lower results in Openbank Europe and in the Corporate Centre due to impacts from foreign currency hedges and risk transfer initiatives.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Other operating income </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">registered a lower negative result in 2024 than in 2023. These results include the hyperinflation adjustment in Argentina and the charge relating to the temporary levy on revenue earned in Spain, which was 50% higher than in 2023 (EUR 335 million in 2024 versus EUR 224 million in 2023). There was no contribution to the SRF in 2024 and there was a lower contribution to the DGF in Spain (EUR 11 million, net of tax and minority interests in 2024).</span></div><div style="margin-bottom:9pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Total income</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr></table></div><div><img src="san-20251231_g39.jpg" alt="8533" style="height:162px;margin-bottom:5pt;vertical-align:text-bottom;width:241px" id="i-47"/><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">  </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.00pt"><tr><td style="width:1.0pt"/><td style="width:37.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:12.25pt"/><td style="width:1.0pt"/></tr><tr style="height:26pt"><td colspan="3" style="background-color:#ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">+7%</span></td><td colspan="3" style="background-color:#ee2724;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:6.5pt;font-weight:700;line-height:121%;position:relative;top:-3.5pt;vertical-align:baseline">A</span></div></td></tr><tr style="height:12pt"><td colspan="6" style="background-color:#ee2724;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">2024 vs. 2023</span></td></tr><tr style="height:26pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt;padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. In constant euros: +10%.</span></div><div style="margin-bottom:15pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Total costs</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%"> in 2024 reached EUR 27,354 million, up 3% year-on-year (+5% in constant euros). In real terms, excluding the impact of average inflation and in constant euros, they increased 2% year-on-year, well below total income growth. For further information about costs in real terms, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6. 'Alternative performance measures (APMs): 2025, 2024 and 2023'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%">.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">We continued to progress with our business transformation plan, ONE Transformation, reflected in greater operational leverage, better business dynamics and more streamlined and agile structures. </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">By business and in constant euros:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Retail</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, total costs decreased by 1%. In real terms they also fell 1%, reflecting our transformation efforts through organizational simplification, process automation and the deployment of the global platform, as well as lower charges in the 'other operating costs' line. The efficiency ratio improved strongly to 44.5%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Openbank</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, total costs increased by 1% year-on-year. In real terms, they declined 1%, driven by our efficiency and transformation efforts in the US and Europe. The efficiency ratio was 49.7%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">CIB</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, total costs increased by 18% (+15% in real terms), due to our investments in new products and capabilities to support growth and higher impacts in the 'other operating costs' line. The efficiency ratio stood at 49.7%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Wealth</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, total costs rose 12% (+9% in real terms), reflecting investments made to strengthen PB teams and develop new capabilities to address the increase in commercial activity. The efficiency ratio improved to 39.1%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Payments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, total costs grew 11% (+7% in real terms), reflecting continued investment in global payments platforms.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">70</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:71.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.382%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Total costs</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Staff costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,827&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,279&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 5.5pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other administrative expenses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,129&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,250&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #b2b2b2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Information technology</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,579&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,387&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #b2b2b2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Communications</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">387&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">399&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #b2b2b2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Advertising</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">512&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">575&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #b2b2b2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Buildings and premises</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">711&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">681&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #b2b2b2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Printed and office material</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">86&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #b2b2b2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Taxes (other than tax on profits)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">554&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">570&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #b2b2b2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other expenses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,300&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,545&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #b2b2b2;padding:2px 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:105%">Administrative expenses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,956</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,529</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Depreciation and amortization</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,179&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,086&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Operating expenses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,135</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24,615</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other operating costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,219&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,886&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">27,354</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">26,501</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:27pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Efficiency ratio</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td></tr></table><img src="san-20251231_g40.jpg" alt="10254" style="height:188px;margin-bottom:5pt;vertical-align:text-bottom;width:241px" id="i-48"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.00pt"><tr><td style="width:1.0pt"/><td style="width:31.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:18.25pt"/><td style="width:1.0pt"/></tr><tr style="height:26pt"><td colspan="3" style="background-color:#ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">-1.9</span></td><td colspan="3" style="background-color:#ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:9pt;font-weight:400;line-height:121%">pp</span></td></tr><tr style="height:11pt"><td colspan="6" style="background-color:#ee2724;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">2024 vs. 2023</span></td></tr><tr style="height:36pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></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:130%">Our cost management continued to focus on structurally improving our efficiency. As a result, we improved our efficiency ratio to 47.2%.</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:130%">All in all, </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> reached EUR 30,630 million, up 12% year-on-year. In constant euros, it rose 15%, mainly driven by the good revenue performance (particularly in net interest income and net fee income).</span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> in 2024 amounted to EUR 11,822 million, broadly in line with 2023. </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:130%">In constant euros, they increased by 4%. The good performance in Retail due to lower provisions in Europe, especially in Spain and the UK partially offset the expected increases in Openbank, as a result of the normalization in Europe, higher volumes, lower portfolio sales compared to 2023 and some regulatory charges.</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:130%">The cost of risk stood at 1.12% as of 31 December 2024. For more details, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_709">5.1. 'Key credit risk metrics'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Net loan-loss provisions</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr></table><img src="san-20251231_g41.jpg" alt="11288" style="height:188px;margin-bottom:5pt;vertical-align:text-bottom;width:241px" id="i-49"/><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%"> </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.00pt"><tr><td style="width:1.0pt"/><td style="width:37.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:12.25pt"/><td style="width:1.0pt"/></tr><tr style="height:26pt"><td colspan="2" style="background-color:#ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:700;line-height:121%">0</span><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">&#160;</span></td><td style="background-color:#ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:700;line-height:121%">%</span></td><td colspan="3" style="background-color:#ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:6.5pt;font-weight:700;line-height:121%;position:relative;top:-3.5pt;vertical-align:baseline">A</span></div></td></tr><tr style="height:11pt"><td colspan="6" style="background-color:#ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">2024 vs. 2023</span></td></tr><tr style="height:36pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt;margin-top:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">A. In constant euros: +4%.</span></div><div style="margin-bottom:9pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:120%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%"> recorded a loss of EUR 1,431 million in 2024, compared to a EUR 350 million loss in 2023. </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:130%">This year-on-year comparison was impacted by the aforementioned charges in 2024: i) the discontinuation of our merchant platforms in Germany and Superdigital in Latin America; and ii) the charge in Q4 2024 due to the provisions recorded for complaints related to motor finance dealer commissions in the UK. </span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Tax on profit </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">amounted to EUR 4,853 million, 18% higher than in 2023. In constant euros, it rose 20%, due to higher tax burden in some countries, mainly in Spain and Brazil.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">71</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Underlying profit attributable to the parent </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">in 2024 was EUR 11,774 million, 13% more than in 2023. In constant euros, it rose 15%, supported by solid total income growth.</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:130%">As a result, </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">underlying RoTE post-AT1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> was 14.4%, up from 13.5% in 2023, </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">underlying RoRWA </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">was 2.07% (compared to 1.86% in 2023) and </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">underlying earnings per share </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">reached EUR 0.72 (from EUR 0.61 in 2023).</span></div><div style="margin-bottom:3pt;margin-top:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr></table></div><div style="margin-bottom:3pt"><img src="san-20251231_g42.jpg" alt="12580" style="height:188px;margin-bottom:5pt;vertical-align:text-bottom;width:241px" id="i-50"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.00pt"><tr><td style="width:1.0pt"/><td style="width:37.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:12.25pt"/><td style="width:1.0pt"/></tr><tr style="height:26pt"><td colspan="2" style="background-color:#ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">+13&#160;</span></td><td style="background-color:#ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">%</span></td><td colspan="3" style="background-color:#ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:6.5pt;font-weight:700;line-height:121%;position:relative;top:-3.5pt;vertical-align:baseline">A</span></div></td></tr><tr style="height:11pt"><td colspan="6" style="background-color:#ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">2024 vs. 2023</span></td></tr><tr style="height:24pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. In constant euros: +15%.</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="padding-left:3.97pt;text-indent:-3.97pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Underlying RoTE post-AT1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td></tr></table><img src="san-20251231_g43.jpg" alt="12588" style="height:188px;margin-bottom:5pt;vertical-align:text-bottom;width:321px" id="i-51"/></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:130%">As previously explained, results related to the Poland disposal are recorded in </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">non-recurring items</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, totalling EUR 800 million in 2024 compared to EUR 674 million in 2023. </span></div><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Including these non-recurring items, profit attributable to the parent </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">in 2024 was EUR 12,574 million, 14% more than in 2023. In constant euros, it rose 16%.</span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">RoTE post-AT1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> stood at 15.5% (14.4% in 2023). </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">RoRWA</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> stood at 2.18% (1.95% in 2023) and </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">earnings per share</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> stood at EUR 0.77 (EUR 0.65 in 2023). </span></div><div style="margin-bottom:15pt;padding-left:3.97pt;text-indent:-3.97pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">72</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451907"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:24pt"><span id="i3cc5e0f960154164aec064fb1684799d"></span><span style="color:#ec0000;font-family:'Santander Text SemiBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">4.4.2 Group balance sheet</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:63.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.792%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Balance sheet</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="6" style="background-color:#f6f6f6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change</span></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Assets</span></div></td><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">Dec-24</span></td><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">Dec-23</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Absolute</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash, cash balances at central banks and other deposits on demand</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">192,208&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">220,342&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(28,134)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">230,253&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">176,921&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,332&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,130&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,910&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">220&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial assets designated at fair value through profit or loss</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,915&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,773&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,858)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(19.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">89,898&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">83,308&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,590&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,203,707&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,191,403&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,304&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,672&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,297&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">375&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(704)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(788)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">84&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Investments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,277&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,646&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(369)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Assets under reinsurance contracts</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">222&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">237&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,087&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,882&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,795)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Intangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,259&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,871&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(612)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tax assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,596&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,390&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(794)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other assets</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,559&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,856&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(297)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-current assets held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,002&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,014&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">988&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,837,081</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,797,062</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">40,019</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Liabilities and equity</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152,151&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">122,270&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,881&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,360&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,367&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,007)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,484,322&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,468,703&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,619&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,752&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,656&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,904)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(37.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(64)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(116.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Liabilities under insurance contracts</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,829&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,799&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,407&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,441&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(34)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tax liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,598&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,932&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(334)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other liabilities</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,344&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,598&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,254)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Liabilities associated with non-current assets held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,729,754</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,692,821</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36,933</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Shareholders' equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">135,196&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">130,443&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,753&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(36,595)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(35,020)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,575)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-controlling interest</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,726&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,818&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(92)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">107,327</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">104,241</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total liabilities and equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,837,081</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,797,062</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">40,019</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: this is a summarized balance sheet. For further information, see the </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_823">'consolidated balance sheet'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> in the consolidated financial statements.</span></div><div style="text-indent:-7.09pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">73</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:9pt;padding-left:1.12pt;padding-right:1.12pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:0.1%"/><td style="width:0.542%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.840%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.542%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.542%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.542%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.746%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.746%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.746%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.746%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.394%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.317%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.394%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.394%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.394%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.164%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.164%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.394%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.394%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.394%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.394%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.164%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.840%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.407%"/><td style="width:0.1%"/></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="12" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-top:9pt;padding-left:7.08pt"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">Executive summary </span><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:7.15pt;font-weight:700;line-height:110%;position:relative;top:-3.85pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;border-top:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:6pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="15" rowspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Gross loans and advances to customers (excluding reverse repos and Poland)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="21" rowspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Customer funds (deposits excluding repos + mutual funds, excluding Poland)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:6pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:6pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:14pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="9" rowspan="2" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:700;line-height:121%">EUR 979 billion</span></div></td><td colspan="3" rowspan="2" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:700;line-height:121%">+1%</span></div></td><td colspan="3" rowspan="2" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:700;line-height:121%">+1%</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="6" rowspan="2" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:700;line-height:121%">EUR 1,155 billion</span></div></td><td colspan="15" rowspan="2" style="background-color:#f7f7f7;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ee2724;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:700;line-height:121%">+4%</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:6pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-bottom:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-bottom:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-bottom:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-bottom:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-bottom:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="12" rowspan="4" style="background-color:#f7f7f7;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;</span><span style="color:#48859e;font-family:'Wingdings',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#232;</span><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">  </span><span style="color:#48859e;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%;text-decoration:underline">By segment</span><span style="color:#48859e;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">:</span></div></td><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="6" rowspan="4" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#6d6d6d;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;</span><span style="color:#48859e;font-family:'Wingdings',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#232;</span><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">  </span><span style="color:#48859e;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%;text-decoration:underline">By product</span><span style="color:#48859e;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">:</span></div></td><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;border-top:2pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="15" style="background-color:#f7f7f7;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Growth in the year was mainly driven by Openbank and Wealth</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="30" style="background-color:#f7f7f7;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Growth in all products, rising double digits in mutual funds </span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:14pt"><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"><div style="margin-bottom:6pt;text-align:center"></div></td><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"><div style="margin-bottom:6pt;text-align:center"></div></td><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"><div style="margin-bottom:6pt;text-align:center"></div></td><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"><div style="margin-bottom:6pt;text-align:center"></div></td><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"><div style="margin-bottom:6pt;text-align:center"></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"><div style="margin-bottom:6pt;text-align:center"></div></td><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Retail</span></div></td><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Openbank</span></div></td><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">CIB</span></div></td><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Wealth</span></div></td><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"><div style="margin-bottom:6pt;text-align:center"></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Demand</span></div></td><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Time</span></div></td><td colspan="15" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Mutual funds</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"><div style="margin-bottom:6pt;text-align:center"></div></td><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">-1%</span></div></td><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+4%</span></div></td><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">0%</span></div></td><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+8%</span></div></td><td colspan="3" style="background-color:#f7f7f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+1%</span></div></td><td colspan="3" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+1%</span></div></td><td colspan="15" style="background-color:#f7f7f7;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+18%</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr><td colspan="3" style="border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="57" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.6pt">2024 vs. 2023 changes in constant euros. For more information on figures presented in constant euros and the exclusion of repurchase agreements and reverse repurchase agreements, see </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6. 'Alternative performance measures (APMs): 2025, 2024 and 2023'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-bottom:1pt solid #9bc3d3;border-left:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #9bc3d3;border-right:1pt solid #9bc3d3;padding:0 1pt"/></tr></table></div><div style="text-align:center"><span><br/></span></div><div style="margin-bottom:3pt"><span id="ia337438478254973ba4a995e1d486b3a"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Loans and advances to customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> totalled EUR 1,054,069 million in December 2024, a 2% increase year-on-year. </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:130%">For the purpose of analysing traditional commercial banking loans, the Group uses gross loans and advances to customers excluding reverse repurchase agreements (repos). Additionally, in line with the criteria used in </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_547">4.2.2.'Balance sheet'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, we analysed loans and advances to customers excluding Poland in both 2024 and 2023 balance sheets. As at end December 2024, gross loans and advances to customers excluding reverse repos and Poland, totalled EUR 978,961 million in December 2024, flat compared to December 2023.</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:130%">To facilitate the analysis of Santander's management, the comments below do not consider the exchange rate impact (i.e., in constant euros), except for Argentina and any grouping which includes it. For further information, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6. 'Alternative performance measures (APMs): 2025, 2024 and 2023'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">.</span></div><div style="margin-bottom:24pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;letter-spacing:-0.02em;line-height:130%">Gross loans and advances to customers </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.02em;line-height:130%">excluding Poland and reverse repos and in constant euros, grew by 1% year-on-year, as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Retail, </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">which represented 62% of the Group's loan portfolio, gross loans and advances to customers decreased 1%, mainly due to declines in the UK (in line with our profitability strategy) and Spain, still impacted by pre-payments despite a pickup in new business volumes.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Openbank</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, which represented 22% of the Group's loan portfolio, they grew 4% driven by good performances in the auto markets in Openbank Europe and Latin America.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">CIB</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, which represented 13% of the Group's loan portfolio, lending volumes were stable, as growth in North and South America compensated the lower volumes in Europe.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Wealth, </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">gross loans and advances to customers increased by</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"> </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">8% driven by growth in Private Banking.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Payments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> had a loan portfolio of just EUR 1 billion (+5% year-on-year).</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:63.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.792%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Loans and advances to customers</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million. Excluding Poland</span></div></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="6" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">Dec-24</span></td><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">Dec-23</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Absolute</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Commercial bills</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,429&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,970&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,541)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Secured loans</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">538,218&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">535,118&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other term loans</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">284,136&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">286,585&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,449)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Finance leases</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37,643&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,518&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,125&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Receivable on demand</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,737&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,255&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,518)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit cards receivable</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,563&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,016&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">547&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Impaired assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,235&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,730&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(495)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gross loans and advances to customers (excluding reverse repos)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">978,961</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">981,192</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,231)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:400;line-height:105%">Reverse repurchase agreements</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">59,344&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,067&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,277&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gross loans and advances to customers</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,038,305</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,025,259</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,046</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loan-loss allowances</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,145&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,794&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(649)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net loans and advances to customers</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,017,160</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,003,465</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,695</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">74</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Gross loans and advances to customers <br/>(excluding reverse repos)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR billion. Excluding Poland</span></div></td></tr></table></div><div><img src="san-20251231_g44.jpg" alt="2956" style="height:195px;margin-bottom:5pt;vertical-align:text-bottom;width:241px" id="i-52"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:49.50pt"><tr><td style="width:1.0pt"/><td style="width:36.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:9.25pt"/><td style="width:1.0pt"/></tr><tr style="height:21pt"><td colspan="2" style="background-color:#ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">0&#160;</span></td><td style="background-color:#ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:15pt;font-weight:400;line-height:121%">%</span></td><td colspan="3" style="background-color:#ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt"><span style="color:#ffffff;font-family:'Santander Text Light',sans-serif;font-size:6.5pt;font-weight:700;line-height:121%;position:relative;top:-3.5pt;vertical-align:baseline">A</span></div></td></tr><tr style="height:11pt"><td colspan="6" style="background-color:#ee2724;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">2024 vs. 2023</span></td></tr><tr style="height:36pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:30pt;padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. In constant euros: +1%.</span></div><div style="margin-bottom:9pt;margin-top:21pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As of December 2024, gross loans and advances to customers excluding reverse repos maintained a diversified structure between the markets in which the Group operates.</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:130%">With respect to gross loans and advances to customers (including reverse repos) maturing in more than one year, at the end of 2024, 67% had a fixed interest rate, while the remaining 33% had a floating interest rate:</span></div><div style="margin-bottom:9pt;text-indent:10.91pt"><span><br/></span></div><div style="margin-bottom:9pt;text-indent:10.91pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Gross loans and advances to customers <br/>(excluding reverse repos)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">% of operating areas. December 2024. Excluding Poland</span></td></tr></table></div><div style="padding-left:9pt"><span><br/></span></div><div style="padding-left:9pt"><span><br/></span></div><div style="padding-left:9pt"><span><br/></span></div><div style="padding-left:9pt"><img src="san-20251231_g45.jpg" alt="3346" style="height:182px;margin-bottom:5pt;vertical-align:text-bottom;width:326px" id="i-53"/></div><div style="margin-bottom:9pt;margin-top:21pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In Spain, 51% of loans and advances to customers were fixed rate and 49% were floating rate.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Outside of Spain, 71% of loans and advances to customers were fixed rate and 29% were floating rate.</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:130%">For more details on the distribution of loans and advances to customers by business line, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_940">note 10.b</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> to the consolidated financial statements.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:28.085%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.307%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.307%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.985%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.307%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.307%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.985%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.307%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.310%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Gross loans and advances to customers (including reverse repos) with maturities exceeding one year as at 31 December 2024</span></td></tr><tr><td colspan="27" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million. Excluding Poland</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Domestic</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">International</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">TOTAL</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Weight as % of the total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Weight as % of the total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Weight as % of the total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fixed</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">70,166</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">368,330</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">438,496</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">67&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Floating</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">67,440</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">148,521</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">215,961</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">137,606</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">100</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">516,851</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">100</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">654,456</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">100</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">75</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:63.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.792%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Total customer funds</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million. Excluding Poland</span></div></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="6" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">Dec-24</span></td><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">Dec-23</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Absolute</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Demand deposits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">641,237&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">628,451&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,786&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.0</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Time deposits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">286,296&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">295,434&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9,138)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.1)</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Mutual funds </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">227,226&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">203,618&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,608&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.6</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,154,759</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,127,503</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,256</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2.4</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Pension funds </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,646&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,831&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">815&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.5</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:1pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Managed portfolios </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,969&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,233&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,736&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.6</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Repurchase agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">78,072&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">78,784&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(712)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.9)</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,291,446</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,257,351</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">34,095</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2.7</span></td><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. Including managed and marketed funds. </span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Customer deposits</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> grew 1% year-on-year to EUR 1,055,936 million at 31 of December 2024.</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:130%">The Group uses customer funds (customer deposits, excluding repos, plus mutual funds) to analyse traditional retail banking funds. Additionally, in line with the criteria used in </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_547">4.2.2 'Balance sheet'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, we analysed customer funds excluding Poland in both 2024 and 2023 balance sheets. As at 31 December 2024, they amounted to EUR 1,154,759 million and grew 2% year-on-year.</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:130%">To facilitate the analysis of Santander's management, the comments below do not consider the exchange rate impact (i.e., in constant euros), except for Argentina and any grouping which includes it. For further information, see </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667">4.6. 'Alternative performance measures (APMs): 2025, 2024 and 2023'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">.</span></div><div style="margin-bottom:18pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Compared to December 2023, customer funds excluding Poland rose 4% in constant euros, as follows:</span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Customer funds (excluding repos)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR billion. Excluding Poland</span></div></td></tr></table></div><div><img src="san-20251231_g46.jpg" alt="4818" style="height:216px;margin-bottom:5pt;vertical-align:text-bottom;width:237px" id="i-54"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:19.402%"><tr><td style="width:1.0%"/><td style="width:73.503%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.297%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><div style="margin-bottom:6pt;text-align:center"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%">Dec-24 vs. Dec-23</span></div></td></tr><tr><td colspan="2" style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">+2</span></div></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">%</span></div></td><td colspan="3" style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:700;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">A</span></div></td></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="2" style="border-left:0.5pt solid #9e3667;border-top:0.5pt solid #9e3667;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#9e3667;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">+12</span></div></td><td style="border-top:0.5pt solid #9e3667;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#9e3667;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">%</span></div></td><td colspan="3" style="border-right:0.5pt solid #9e3667;border-top:0.5pt solid #9e3667;padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #9e3667;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #9e3667;padding:0 1pt"/></tr><tr><td colspan="2" style="border-left:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">0</span></div></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">%</span></div></td><td colspan="3" style="border-right:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:121%">Total</span></div></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt"><span style="color:#9e3667;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Mutual funds</span><span style="color:#9e3667;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">B </span></div></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Deposits excluding repos</span></div></td></tr><tr style="height:24pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. In constant euros: +4%.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Including managed and marketed funds.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:9pt;text-indent:10.91pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">By product, customer deposits excluding repos rose 1%, with a 1% increase in both demand and time deposits. Mutual funds rose 18%, with widespread increases across all businesses and countries.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">By business, customer funds increased 4% in Retail, mainly driven by time deposits and mutual funds. In Openbank, customer funds rose 11%, in line with our retail deposit gathering strategy. In CIB, customer funds fell 8%, as a result of our strategy to reduce excess corporate deposits while in Wealth they were up 11%, mainly driven by mutual funds.</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:130%">Customer funds maintained a diversified structure across the markets in which the Group operates. The weight of demand deposits was 55% of total customer funds, while time deposits accounted for 25% and mutual funds 20%.</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:130%">In addition to capturing customer deposits, for strategic reasons the Group has a selective policy on issuing securities in international fixed income markets and strives to adapt the frequency and volume of its market operations to the structural liquidity needs of each unit, as well as to the receptiveness of each market.</span></div><div style="margin-bottom:18pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.010%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Customer funds (excluding repos)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">% of operating areas. December 2024. Excluding Poland</span></td></tr></table></div><div><img src="san-20251231_g47.jpg" alt="6004" style="height:182px;margin-bottom:5pt;vertical-align:text-bottom;width:326px" id="i-55"/></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">76</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451941"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="ifc26f552654e4523b2dcbb8d527d1a81"></span><span style="color:#ec0000;font-family:'Santander Text SemiBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">4.5 Financial information by segment: 2024 vs 2023</span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451647"></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ie0a2ceaf9a294eeeb23d000fa76da392"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">4.5.1 Summary of the Group's main business areas' income statements</span></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:31.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.161%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Main items of the underlying income statement</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 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:105%">Primary segments</span></td><td colspan="3" style="padding:2px 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:105%">Net interest income</span></td><td colspan="3" style="padding:2px 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:105%">Net fee <br/>income</span></td><td colspan="3" style="padding:2px 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:105%">Total <br/>income</span></td><td colspan="3" style="padding:2px 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:105%">Net operating income</span></td><td colspan="3" style="padding:2px 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:105%">Profit before tax</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Retail &amp; Commercial Banking</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">27,854&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,022&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">33,064&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,359&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,750&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,345&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Openbank</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,777&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,877&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,302&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,228&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,659&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Corporate &amp; Investment Banking</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,779&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,415&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,897&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,975&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,815&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,639&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Wealth Management &amp; Insurance</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,591&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,442&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,587&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,183&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,134&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,584&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Payment Solutions</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">132&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">958&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,240&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(233)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(299)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Corporate Centre</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(308)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(11)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(680)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,220)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,317)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,154)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">TOTAL GROUP</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">43,824</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,335</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">57,984</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">30,630</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,774</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:5pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 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:105%">Secondary segments</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Spain</span></div></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">7,256&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">2,867&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">11,580&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">7,071&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">5,440&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">3,762&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">UK</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,950&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">283&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,011&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,962&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,794&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,306&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Portugal</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,548&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">467&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,065&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,492&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,481&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,001&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Openbank Europe</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,361&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">902&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,644&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,796&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,131&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">642&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">US</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,693&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,152&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,580&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,615&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,053&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,109&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Mexico</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,631&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,385&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,551&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,274&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,671&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Brazil</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,121&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,414&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,536&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,318&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,830&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,422&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Chile</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,822&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">551&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,592&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,650&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,111&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">629&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Argentina</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,919&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">602&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,487&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">827&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">665&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Corporate Centre</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(308)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(11)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(680)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,220)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,317)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,154)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Rest of the Group</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">832&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">722&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,889&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">246&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(248)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(280)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">TOTAL GROUP</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">43,824</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,335</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">57,984</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">30,630</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,774</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:47.202%"><div style="margin-top:19pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.987%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;letter-spacing:-0.018000000000000002em;line-height:105%">Underlying profit attributable to the parent. 2024 distribution</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Distribution </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.87pt;font-weight:400;line-height:105%;position:relative;top:-2.62pt;vertical-align:baseline">A </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"> by primary segment</span></div></td></tr></table></div><div style="margin-top:9pt;padding-right:4.5pt"><img src="san-20251231_g48.jpg" alt="76" style="height:220px;margin-bottom:5pt;vertical-align:text-bottom;width:320px" id="i-56"/></div><div style="margin-top:9pt;padding-left:7.09pt;padding-right:4.5pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  As a % of operating areas. Excluding the Corporate Centre and negative contribution from Payments.</span></div></div><div style="display:inline-block;max-width:5.592%;min-width:4.592%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:47.206%"><div style="margin-top:9pt"><span><br/></span></div><div style="margin-top:1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.987%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent. 2024</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million. % change YoY</span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:81.00pt"><tr><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:75.25pt"/><td style="width:1.0pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:24pt"><td colspan="3" style="background-color:#ec0000;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:105%">Retail</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:24pt"><td colspan="3" style="background-color:#9e3667;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:105%">Openbank</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:24pt"><td colspan="3" style="background-color:#14868d;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:105%">CIB</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:24pt"><td colspan="3" style="background-color:#1e414c;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:105%">Wealth</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:24pt"><td colspan="3" style="background-color:#63ba68;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:105%">Payments</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:80%">     </span><img src="san-20251231_g49.jpg" alt="150" style="height:188px;margin-bottom:5pt;vertical-align:text-bottom;width:109px" id="i-57"/><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:80%">     </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:55.50pt"><tr><td style="width:1.0pt"/><td style="width:25.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:25.75pt"/><td style="width:1.0pt"/></tr><tr style="height:14pt"><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Var</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Var</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"> B</span></div></td></tr><tr style="height:23pt"><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">+25</span></div></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">%</span></div></td><td colspan="2" style="padding:2px 0 2px 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:105%">+27</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr style="height:29pt"><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">-13</span></div></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">%</span></div></td><td colspan="2" style="padding:2px 0 2px 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:105%">-12</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr style="height:29pt"><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">+13</span></div></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">%</span></div></td><td colspan="2" style="padding:2px 0 2px 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:105%">+17</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr style="height:29pt"><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">+17</span></div></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">%</span></div></td><td colspan="2" style="padding:2px 0 2px 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:105%">+18</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr style="height:29pt"><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">+291</span></div></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-bottom:9pt;text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">%</span></div></td><td colspan="2" style="padding:2px 0 2px 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:105%">+231</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:12pt;margin-top:30pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Changes in constant euros.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">77</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:3pt;margin-top:9pt;padding-right:4.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:31.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.161%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="21" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Main items of the underlying income statement</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Primary segments</span></td><td colspan="3" style="padding:2px 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:105%">Net interest income</span></td><td colspan="3" style="padding:2px 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:105%">Net fee <br/>income</span></td><td colspan="3" style="padding:2px 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:105%">Total <br/>income</span></td><td colspan="3" style="padding:2px 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:105%">Net operating income</span></td><td colspan="3" style="padding:2px 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:105%">Profit before tax</span></td><td colspan="3" style="padding:2px 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:105%">Underlying profit attributable to the parent</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Retail &amp; Commercial Banking</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,586&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,077&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,792&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,036&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,195&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,887&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Openbank</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,221&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,229&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,274&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,748&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,677&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,901&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Corporate &amp; Investment Banking</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,361&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,013&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,100&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,719&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,578&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,328&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Wealth Management &amp; Insurance</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,499&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,209&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,082&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,816&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,834&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,360&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Payment Solutions</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">92&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">954&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,134&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(17)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(77)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Corporate Centre</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(41)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(442)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(901)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(961)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(998)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL GROUP</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">40,718</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,468</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,940</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">27,439</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,305</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,402</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Secondary segments</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Spain</span></div></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,641&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,699&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,837&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,022&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,399&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,371&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">UK</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,152&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">338&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,358&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,430&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,107&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,545&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Portugal</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,465&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">464&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,944&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,378&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,314&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">896&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Openbank Europe</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,193&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">796&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,481&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,730&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,019&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,199&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">US</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,742&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">766&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,502&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">863&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">932&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Mexico</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,408&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,374&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,899&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,254&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,119&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,560&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Brazil</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,116&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,462&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,104&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,674&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,911&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,921&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Chile</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,383&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">572&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,285&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,332&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">951&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">582&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Argentina</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,879&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">396&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,544&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">713&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">505&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">386&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Corporate Centre</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(41)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(442)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(901)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(961)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(998)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Rest of the Group</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">780&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">615&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,721&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">306&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL GROUP</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">40,718</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,468</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,940</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">27,439</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,305</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,402</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">78</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451660"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i97bcd5317f5e4c05afc0425dc6c4cdc8"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">4.5.2 Primary segments</span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451672"></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:6pt;margin-top:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:0.1%"/><td style="width:1.725%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:52.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.829%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:16pt;font-weight:700;line-height:105%">Retail &amp; Commercial Banking</span></td><td colspan="3" style="background-color:#ec0000;border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Underlying attributable profit</span></div></td><td colspan="3" style="background-color:#ec0000;border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">EUR 7,345 mn</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i93e4e67c13874fa1ba1598730a67a1be"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</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:130%">Gross loans and advances to customers, excluding reverse repos and in constant euros, decreased 1% year-on-year. Balances fell mainly in the UK (in line with our profitability strategy) and in Spain, still impacted by pre-payments despite a pickup in new business volumes. This was partially offset by increases in Brazil, Mexico and Portugal.</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:130%">Customer deposits, excluding repos and in constant euros, rose 2%, driven by Spain and Brazil, especially in time deposits. Mutual funds rose 21% in constant euros, with positive performances across most countries. As a result, customer funds increased 4% in constant euros. </span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail. 2024 business performance</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR billion and YoY % change in constant euros</span></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0pt"/><td style="width:3.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:40.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:57.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:18.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:40.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:69.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/></tr><tr style="height:14pt"><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#deedf2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;padding-left:6pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">600</span></div></td><td colspan="3" style="background-color:#deedf2;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">-1%</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#deedf2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;padding-left:6pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">707</span></div></td><td colspan="3" style="background-color:#deedf2;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+4%</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:27.00pt"><tr><td style="width:1.0pt"/><td style="width:25.00pt"/><td style="width:1.0pt"/></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g16.jpg" alt="Spain.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-58"/></div></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g17.jpg" alt="UK.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-59"/></div></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g18.jpg" alt="Mexico.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-60"/></div></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g19.jpg" alt="Brazil.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-61"/></div></td></tr><tr style="height:18pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other</span></td></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%"> </span><img src="san-20251231_g50.jpg" alt="924" style="height:128px;margin-bottom:5pt;vertical-align:text-bottom;width:120px" id="i-62"/><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%">   </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:27.00pt"><tr><td style="width:1.0pt"/><td style="width:25.00pt"/><td style="width:1.0pt"/></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g16.jpg" alt="Spain.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-63"/></div></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g17.jpg" alt="UK.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-64"/></div></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g18.jpg" alt="Mexico.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-65"/></div></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g19.jpg" alt="Brazil.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-66"/></div></td></tr><tr style="height:18pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other</span></td></tr></table><img src="san-20251231_g51.jpg" alt="929" style="height:128px;margin-bottom:5pt;vertical-align:text-bottom;width:120px" id="i-67"/></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:244.50pt"><tr><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:18.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:42.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:21.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:18.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:4.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:10.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:4.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:18.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:40.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:19.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:18.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/></tr><tr style="height:17pt"><td colspan="18" style="background-color:#ffffff;border-top:0.25pt solid #3c3c3c;padding:2px 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:105%">Gross loans and advances to customer excl. reverse repos</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="18" style="background-color:#ffffff;border-top:0.25pt solid #3c3c3c;padding:2px 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:105%">Customer deposits excl. repos + mutual funds</span></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i6d8d08ba244d479e8446b2fe72ef7dd6"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</span></div><div style="margin-bottom:9pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Underlying attributable profit in 2024 was EUR 7,345 million, up 25% compared to 2023. In constant euros, it rose 27% year-on-year, as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total income increased 10%, driven by both net interest income and net fee income.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Net interest income increased 11% year-on-year, with rises in most countries, but especially in South America, driven by higher volumes, and in Spain and Portugal due to good margin management. The exceptions were the UK and the US, affected by lower volumes.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Greater commercial activity and a larger loyal customer base contributed to net fee income growth (+3%). The most significant increases were in Brazil, Argentina and the US.</span></div><div style="margin-bottom:9pt;margin-top:3pt;padding-left:7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-top:3pt;padding-left:7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail. Total income</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and YoY % change in constant euros</span></td></tr></table></div><div style="margin-bottom:3pt;padding-left:7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:38.25pt"><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0pt"/><td style="width:36.25pt"/><td style="width:1.0pt"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr style="height:20pt"><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g16.jpg" alt="Spain.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-68"/></div></td><td colspan="3" style="display:none"/></tr><tr style="height:20pt"><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g17.jpg" alt="UK.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-69"/></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:20pt"><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g18.jpg" alt="Mexico.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-70"/></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:20pt"><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g19.jpg" alt="Brazil.jpg" style="height:18px;margin-bottom:5pt;vertical-align:text-bottom;width:18px" id="i-71"/></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:20pt"><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%"> </span><img src="san-20251231_g52.jpg" alt="2223" style="height:139px;margin-bottom:5pt;vertical-align:text-bottom;width:188px" id="i-72"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:50.25pt"><tr><td style="width:1.0pt"/><td style="width:48.25pt"/><td style="width:1.0pt"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Var</span></td><td colspan="3" style="display:none"/></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">+15%</span></div></td><td colspan="3" style="display:none"/></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">-10%</span></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">+7%</span></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">+14%</span></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:130%">+22%</span></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%">&#160;&#160;&#160;&#160;</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:21.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.208%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:25.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.519%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:105%">Retail</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">33,064</span></td><td colspan="3" style="padding:2px 1pt 2px 25pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;padding-left:24pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+10%</span></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div><span><br/></span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total costs increased 2%. In real terms, expenses declined 1% reflecting our transformation efforts through organizational simplification, process automation and the deployment of the global platform, as well as lower charges in the 'other operating costs' line. As a result, net operating income increased 18% and efficiency improved to 44.5%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions improved 2% year-on-year, due to positive performances across Europe, especially in Spain and the UK (macro outlook improvement in the country), which more than offset greater provisions in Brazil due to higher activity and cost of risk normalization in Mexico and Chile.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The other gains (losses) and provisions line had an 85% greater loss than in 2023.</span></div><div style="margin-bottom:15pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Underlying RoTE (post-AT1) in 2024 was 17.6%.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"><tr><td style="width:1.0%"/><td style="width:34.503%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:14.999%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.999%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.999%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.000%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail. Underlying income statement</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">/ </span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,064</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">30,792&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">+7</span></td><td colspan="3" style="padding:2px 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:105%">+10</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14,704)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(14,757)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">0</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+2</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18,359</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">16,036</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+14</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+18</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,064)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(7,542)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(6)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(2)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,750</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,195&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+31</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+33</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying attr. profit</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,345</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,887</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+25</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+27</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451818">4.5.3 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">79</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451684"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:6pt;padding-left:7.09pt;text-align:justify;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:241.50pt"><tr><td style="width:1.0pt"/><td style="width:31.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:85.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:118.00pt"/><td style="width:1.0pt"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g23.jpg" alt="banderaESP.jpg" style="height:35px;margin-bottom:5pt;vertical-align:text-bottom;width:35px" id="i-73"/></div></td><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-top:9pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:14pt;font-weight:700;line-height:110%">Retail Spain</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:119%">Profit before tax</span></div></td></tr><tr style="height:15pt"><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">EUR&#160;2,824</span></div></td><td style="border-bottom:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">&#160;mn</span></div></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ie0f3b8849bf84976afbb3a7e22b2ff1d"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</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:130%">Gross loans and advances to customers, excluding reverse repos, decreased 3% year-on-year still impacted by pre-payments despite higher new business volumes.</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:130%">Customer deposits excluding repos, increased 4% year-on-year, driven by both demand and time deposits. Mutual funds increased 15% year-on-year. As a result, customer funds increased 6% year-on-year.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i465381fdedbb447a865ecf64ddbce42d"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</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:130%">Profit before tax in 2024 reached EUR 2,824 million, more than double that of 2023. By line item:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total income increased 15% mainly due to the pick up in net interest income, driven by good margin management.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total costs declined 14%, reflecting the progress achieved in product simplification and process automation and a strong decrease in the 'other operating costs' line. As a result, the efficiency ratio improved to 37.7%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions decreased 23%, which resulted in an improvement in the cost of risk and NPL ratio to 0.84% and 3.47%, respectively. </span></div><div style="margin-bottom:186pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The other gains (losses) and provisions line recorded losses of EUR 363 million in 2024 and EUR 100 million in 2023.</span></div><div style="margin-top:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.166%"><tr><td style="width:1.0%"/><td style="width:47.036%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:15.359%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.359%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.846%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="12" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail Spain. Underlying income statement</span></td></tr><tr><td colspan="12" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">/ 2023</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="display:none"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,915</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">6,012&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">+15</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,606)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(3,048)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(14)</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,309</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,964</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+45</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,121)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(1,464)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(23)</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,824</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,400</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+102</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451818">4.5.3 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451696"></div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:7.09pt;padding-right:4.5pt;text-align:justify;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:241.50pt"><tr><td style="width:1.0pt"/><td style="width:31.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:85.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:118.00pt"/><td style="width:1.0pt"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g24.jpg" alt="UK.jpg" style="height:33px;margin-bottom:5pt;vertical-align:text-bottom;width:33px" id="i-74"/></div></td><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-top:9pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:14pt;font-weight:700;line-height:110%">Retail UK</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:119%">Profit before tax</span></div></td></tr><tr style="height:15pt"><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">EUR&#160;1,633</span></div></td><td style="border-bottom:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">&#160;mn</span></div></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ib86835f0a69345af990339842fbff836"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</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:130%">Gross loans and advances to customers, excluding reverse repos and in constant euros, decreased 4% year-on-year (in line with our profitability strategy). However, the trend in mortgages was positive throughout the year, with a progressive recovery in new business volumes.</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:130%">Customer deposits, excluding repos and in constant euros, decreased 5% mainly driven by demand deposits. Mutual funds fell 1% year-on-year in constant euros. As a result, customer funds declined 5% in constant euros. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i3305fda1790342b2bb2f669a34bc8e81"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results </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:130%">Profit before tax in 2024 was EUR 1,633 million, down 17% year-on-year. In constant euros, it decreased 19%, by line item:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total income fell 10% with net interest income down affected by lower volumes.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total costs increased 1% in a competitive labour market. Net operating income declined 23% and the efficiency ratio stood at 62.2%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions improved 75% driven by positive macro outlook, with a cost of risk of only 3 bps.</span></div><div style="margin-bottom:174pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The other gains (losses) and provisions line recorded losses of EUR 104 million, a 35% greater loss year-on-year.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:35.011%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:14.332%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.332%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.332%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.493%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail UK. Underlying income statement</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">/ </span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,766</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">5,140&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">(7)</span></td><td colspan="3" style="padding:2px 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:105%">(10)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,965)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(2,858)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+4</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+1</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,801</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,283</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(21)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(23)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(64)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(247)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(74)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(75)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,633</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,960</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(17)</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(19)</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%">  Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451818">4.5.3 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%">.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">80</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451708"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:6pt;padding-left:7.09pt;text-align:justify;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:241.50pt"><tr><td style="width:1.0pt"/><td style="width:31.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:85.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:118.00pt"/><td style="width:1.0pt"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt;vertical-align:top"><div style="margin-top:9pt;text-align:center"><img src="san-20251231_g25.jpg" alt="Mexico.jpg" style="height:30px;margin-bottom:5pt;vertical-align:text-bottom;width:30px" id="i-75"/></div></td><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-top:9pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:14pt;font-weight:700;line-height:110%">Retail Mexico</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:119%">Profit before tax</span></div></td></tr><tr style="height:15pt"><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">EUR&#160;1,524</span></div></td><td style="border-bottom:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">&#160;mn</span></div></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i0de02ab8750a4927adc9561faa3ef543"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</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:130%">Gross loans and advances to customers, excluding reverse repos and in constant euros, grew 6% year-on-year, supported by our enhanced commercial offering.</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:130%">Customer deposits, excluding repos and in constant euros, increased 2% year-on-year, mainly driven by demand deposits. Additionally, mutual funds rose 42% in constant euros. As a result, customer funds grew 11% in constant euros.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i48551fbc17794cc6ab2242bedae81d3e"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</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:130%">Profit before tax reached EUR 1,524 million in 2024 up 6% year-on-year. In constant euros, it increased 9%, as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total income rose 7%, mainly driven by a good net interest income performance, supported by higher activity.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total costs rose 3%. In real terms, expenses declined 2% even after our investments in transformation. As a result, net operating income increased 11% and the efficiency ratio improved by 1.8 pp to 43.5%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions increased 13%, partially driven by loan growth, with a cost of risk of 5.03% and an NPL ratio of 5.25%.</span></div><div style="margin-bottom:167pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">No other gains (losses) and provisions were recorded in 2024 or 2023.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.166%"><tr><td style="width:1.0%"/><td style="width:36.167%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.982%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail Mexico. Underlying income statement</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">/ </span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,861</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">4,670&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">+4</span></td><td colspan="3" style="padding:2px 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:105%">+7</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,114)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,114)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">0</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+3</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,746</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,556</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+7</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+11</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,222)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,117)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+9</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+13</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,524</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,439</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+6</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+9</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451818">4.5.3 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451720"></div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:7.09pt;text-align:justify;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:241.50pt"><tr><td style="width:1.0pt"/><td style="width:31.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:85.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:118.00pt"/><td style="width:1.0pt"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt;vertical-align:top"><div style="margin-top:9pt;text-align:center"><img src="san-20251231_g26.jpg" alt="Brazil.jpg" style="height:30px;margin-bottom:5pt;vertical-align:text-bottom;width:30px" id="i-76"/></div></td><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-top:9pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:14pt;font-weight:700;line-height:110%">Retail Brazil</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:119%">Profit before tax</span></div></td></tr><tr style="height:15pt"><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">EUR&#160;1,975</span></div></td><td style="border-bottom:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">&#160;mn</span></div></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ifffd5f1937a74271ba5ce2fb9abdbace"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</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:130%">Gross loans and advances to customers, excluding reverse repos and in constant euros, increased 7%.</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:130%">Customer deposits increased 10%, excluding repos and in constant euros, driven by time deposits, which rose double digits. Mutual funds increased 2% in constant euros. As a result, customer funds grew 8% in constant euros.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ib3a503dfce3d4147b3e9794ae061be24"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</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:130%">Profit before tax was EUR 1,975 million in 2024, a 73% increase year-on-year. In constant euros, it rose 86%, as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total income grew 14% driven by net interest income and higher net fee income, mainly due to volumes in an environment of higher activity.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total costs increased 5%, affected by the impact of higher labour costs and greater charges in the 'other operating costs' line. As a result, net operating income increased 21% and the efficiency ratio improved by 3.6 pp to 41.6%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions increased 5%, below volume growth.</span></div><div style="margin-bottom:113pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">No other gains (losses) and provisions were recorded in 2024  and a EUR 62 million loss was recorded in 2023.</span></div><div style="margin-bottom:54pt;text-indent:10.91pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.166%"><tr><td style="width:1.0%"/><td style="width:36.167%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.982%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail Brazil. Underlying income statement</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">/ </span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,992</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">9,454&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">+6</span></td><td colspan="3" style="padding:2px 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:105%">+14</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,159)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4,278)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(3)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+5</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,833</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,176</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+13</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+21</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,857)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3,970)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+5</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,975</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,144</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+73</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+86</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%">  Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451818">4.5.3 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%">.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">81</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451732"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top: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:0.1%"/><td style="width:1.697%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.529%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:53.060%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.505%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.509%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#803262;border-bottom:0.5pt solid #990000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #990000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-bottom:0.5pt solid #990000;padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:16pt;font-weight:700;line-height:105%">Openbank</span></td><td colspan="3" style="background-color:#803262;border-bottom:0.5pt solid #990000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Underlying attributable profit</span></div></td><td colspan="3" style="background-color:#803262;border-bottom:0.5pt solid #990000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">EUR 1,659 mn</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:6pt"><span id="iba256e4f72194fe09244ebe8e14dad6a"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</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:130%">New lending increased 4% year-on-year, with notable growth in Brazil. Gross loans and advances to customers, excluding reverse repos and in constant euros, also rose 4% year-on-year, mainly driven by auto in Openbank Europe and Brazil.</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:130%">Our EUR 16.9 billion leasing portfolio decreased 5% year-on-year in constant euros, as growth in Europe was more than offset by a decline in the US.</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:130%">Our access to wholesale funding markets remained strong and diversified. Customer deposits accounted for 60% of Openbank's total funding. Excluding repos and in constant euros, deposits were up 10% year-on-year, underpinned by our strategy to lower funding costs and reduce net interest income volatility across the cycle. Mutual funds rose 19% in constant euros, albeit from very low levels. As a result, customer funds increased 11% year-on-year in constant euros.</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 style="width:2.243%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.538%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.048%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.535%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.969%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.243%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.538%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:25.343%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.541%"/><td style="width:0.1%"/></tr><tr><td colspan="33" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Openbank. 2024 business performance </span></td></tr><tr><td colspan="33" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR billion and YoY % change in constant euros</span></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:240.00pt"><tr><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:34.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:55.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:4.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:3.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:4.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:6.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:34.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:53.50pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:22.00pt"/><td style="width:1.0pt"/></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#deedf2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;padding-left:6pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">215</span></div></td><td colspan="12" style="background-color:#deedf2;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+4%</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#deedf2;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt;padding-left:6pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">137</span></div></td><td colspan="6" style="background-color:#deedf2;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">+11%</span></div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:44.25pt"><tr><td style="width:1.0pt"/><td style="width:39.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Openbank Europe</span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Openbank US</span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table><img src="san-20251231_g53.jpg" alt="1385" style="height:75px;margin-bottom:5pt;vertical-align:text-bottom;width:102px" id="i-77"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:44.25pt"><tr><td style="width:1.0pt"/><td style="width:39.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Openbank Europe</span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Openbank US</span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table><img src="san-20251231_g54.jpg" alt="1387" style="height:75px;margin-bottom:5pt;vertical-align:text-bottom;width:102px" id="i-78"/></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:244.50pt"><tr><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:18.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:42.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:21.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:18.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:4.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:10.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:4.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:18.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:40.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:19.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:18.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/></tr><tr style="height:21pt"><td colspan="18" style="background-color:#ffffff;border-top:0.25pt solid #3c3c3c;padding:2px 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:105%">Gross loans and advances to customers excl. reverse repos</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="18" style="background-color:#ffffff;border-top:0.25pt solid #3c3c3c;padding:2px 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:105%">Customer deposits excl. repos + mutual funds</span></td></tr></table></div><div><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 style="width:2.243%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.538%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.048%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.535%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.969%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.243%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.538%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:25.343%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.541%"/><td style="width:0.1%"/></tr><tr><td colspan="33" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Openbank. Leasing portfolio</span></div></td></tr><tr><td colspan="33" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR billion and YoY % change in constant euros</span></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:244.50pt"><tr><td style="width:1.0pt"/><td style="width:69.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:49.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:49.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:69.25pt"/><td style="width:1.0pt"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#deedf2;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Total leasing </span></td><td colspan="3" style="background-color:#deedf2;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-bottom:6pt;padding-right:6pt;text-align:right"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">17</span></div></td><td colspan="3" style="background-color:#deedf2;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">-5%</span></div></td><td colspan="3" style="background-color:#deedf2;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:3pt;margin-top:6pt"><img src="san-20251231_g55.jpg" alt="1395" style="height:117px;margin-bottom:5pt;vertical-align:text-bottom;width:321px" id="i-79"/><span id="ifb8764cc57334a0c80bcf0c04b418d8b"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</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:130%">In 2024, underlying attributable profit stood at EUR 1,659 million, 13% lower year-on-year. In constant euros, profit fell 12%, as follows:</span></div><div style="margin-bottom:9pt;margin-top:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total income rose 6%, with net interest income up 6%, mainly driven by volumes growth in Brazil and Argentina and repricing actions and higher volumes in Europe.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Net fee income increased strongly (+24%), with double-digit growth across our main units, underpinned by increased insurance penetration in Europe, volumes growth in Brazil and auto servicing fees in the US.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;margin-top:19pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Other income fell, as gains on financial transactions declined, mainly in Europe, and leasing income decreased in the US, primarily due to lower volumes, reduced residual values and the pass-on of fiscal benefits (recorded in the tax line) from electric vehicle (EV) leases to pricing.</span></div><div><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 style="width:2.243%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.538%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.048%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.535%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.969%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.243%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.538%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.851%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:25.343%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.541%"/><td style="width:0.1%"/></tr><tr><td colspan="33" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Openbank. 2024 total income</span></td></tr><tr><td colspan="33" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and YoY % change in constant euros</span></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:77.25pt"><tr><td style="width:1.0pt"/><td style="width:72.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.00pt"/><td style="width:1.0pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:17pt"><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Openbank Europe</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:17pt"><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Openbank US*</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr style="height:17pt"><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Other</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%"> </span><img src="san-20251231_g56.jpg" alt="2189" style="height:68px;margin-bottom:5pt;vertical-align:text-bottom;width:166px" id="i-80"/><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%"> </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:36.00pt"><tr><td style="width:1.0pt"/><td style="width:34.00pt"/><td style="width:1.0pt"/><td colspan="3" style="display:none"/></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Var</span></td><td colspan="3" style="display:none"/></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#494949;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">+3%</span></td><td colspan="3" style="display:none"/></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#494949;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">-1%</span></td><td colspan="3" style="display:none"/></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#494949;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">+45%</span></td><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:15pt;padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#ba4f90;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:110%">* Year-on-year growth in revenue in the US would have been flat if we included the impact from the EV incentives recorded in the tax line.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total costs performed well, increasing slightly year-on-year and declining 1% in real terms, supported by efficiency and transformation efforts in the US and Europe, which partially offset investments in platforms and business growth, as well as higher other operating costs. Consequently, net operating income grew 9% and the efficiency ratio improved 1.7 pp to 43.3%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions were up 12%, reflecting continued normalization in Europe, higher volumes, increased CHF mortgage portfolio coverage, some regulatory charges and lower portfolio sales than in 2023. Credit quality remained controlled, with the cost of risk at 2.16% and the NPL ratio at 5.07%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Other gains (losses) and provisions registered a loss of EUR 512 million in 2024 (compared to a EUR 35 million gain in 2023), mainly due to the provision for potential complaints related to motor finance dealer commissions in the UK.</span></div><div style="margin-bottom:66pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As a result, underlying RoTE (post-AT1) stood at 8.8% in 2024.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:33.776%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:14.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.877%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Openbank. Underlying income statement</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">/ </span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,877</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">12,274&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">+5</span></td><td colspan="3" style="padding:2px 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:105%">+6</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,576)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(5,526)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+1</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+1</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,302</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6,748</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+8</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+9</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,562)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(4,106)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+11</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+12</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,228</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(17)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(17)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying attr. profit</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,659</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,901</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(13)</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(12)</span></td></tr></table><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%">   Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451818">4.5.3 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%">.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">82</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451746"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:6pt;padding-left:7.09pt;text-align:justify;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"><tr><td style="width:1.0pt"/><td style="width:31.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:128.50pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:76.75pt"/><td style="width:1.0pt"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="background-color:#9bc3d3;border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-top:9pt;text-align:center"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:14pt;font-weight:700;line-height:110%">OB</span></div></td><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-top:9pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:14pt;font-weight:700;line-height:110%">Openbank Europe</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:119%">Profit before tax</span></div></td></tr><tr style="height:15pt"><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">EUR&#160;1,131</span></div></td><td style="border-bottom:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">&#160;mn</span></div></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ia1fb1c207bfc424989d75d926e7aa515"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</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:130%">New business volumes increased 1% year-on-year in constant euros, mainly underpinned by new auto loans. In turn, gross loans and advances to customers, excluding reverse repos and in constant euros, rose 4% year-on-year, primarily driven by auto balances.</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:130%">Customer deposits, excluding repos and in constant euros, grew strongly year-on-year (+18%), in line with our strategy to increase retail funding. Mutual funds rose 24% year-on-year in constant euros, albeit from very low levels.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i332121783e214ee2abe8b866dca9cb47"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</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:130%">Profit before tax stood at EUR 1,131 million in 2024, 44% lower than in 2023. In constant euros, it also fell 44%, as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total income grew 3%, mainly supported by higher net interest income (+4%), on the back of repricing actions and volumes growth, and net fee income (+13%), backed by greater insurance penetration, especially in Germany, and higher fees from our agreements.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total costs rose 3%, broadly in line with inflation, mainly due to our investments in platforms and business growth and higher charges linked to the CHF mortgage portfolio, partially offset by savings resulting from our efficiency and transformation efforts.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions increased 52%, reflecting normalization, volumes growth, higher provisions linked to our CHF mortgage portfolio in Poland, some regulatory impacts and lower portfolio sales compared to the previous year. Cost of risk remained at low levels (0.88%), having normalized in line with expectations.</span></div><div style="margin-bottom:72pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Other gains (losses) and provisions recorded a EUR 456 million loss in 2024 (compared to a EUR 82 million gain in 2023), mainly due to the provision for potential complaints related to motor finance dealer commissions in the UK.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.166%"><tr><td style="width:1.0%"/><td style="width:36.167%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.982%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Openbank Europe. Underlying income statement</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">/ </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,644</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">5,481&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">+3</span></td><td colspan="3" style="padding:2px 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:105%">+3</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,848)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(2,751)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+4</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+3</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,796</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,730</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+2</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,209)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(792)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+53</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+52</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,131</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,019</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(44)</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(44)</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451818">4.5.3 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451758"></div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:7.09pt;text-align:justify;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"><tr><td style="width:1.0pt"/><td style="width:31.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:88.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:117.25pt"/><td style="width:1.0pt"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt;vertical-align:top"><div style="text-align:center"><img src="san-20251231_g31.jpg" alt="US.jpg" style="height:27px;margin-bottom:5pt;vertical-align:text-bottom;width:27px" id="i-81"/></div></td><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-top:9pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:14pt;font-weight:700;line-height:110%">Openbank US</span></div></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:119%">Profit before tax</span></div></td></tr><tr style="height:15pt"><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">EUR&#160;551</span></div></td><td style="border-bottom:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><div style="margin-top:9pt;text-align:right"><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:700;line-height:110%">&#160;mn</span></div></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i692069686f294f17ab758a5e52cb8748"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</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:130%">Gross loans and advances to customers, excluding reverse repos and in constant euros, declined 4% year-on-year, in line with our focus on capital optimization and efficient allocation and value creation. The leasing portfolio fell 15% in constant euros, impacted by the wind down of business through our relationship with Stellantis and reduced EV new business volumes.</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:130%">Customer deposits, excluding repos and in constant euros, rose 2% year-on-year, supported by the launch of our digital bank in Q4 2024. Mutual funds recorded double-digit growth in constant euros, contributing to a 3% increase in customer funds in constant euros.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ifeb1b7363cf64d949d393408b6928274"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</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:130%">Profit before tax was 5% higher year-on-year, reaching EUR 551 million. In constant euros, it also grew 5%, as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total income decreased slightly, as weaker other income, mainly due to lower leasing results (lower volumes, reduced residual values and pass-on of EV fiscal benefits to pricing) was partially offset by solid net interest income and double-digit growth in net fee income (auto servicing fees).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span id="i2caf938e8b814774a078331f0d42261e"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:9pt;font-weight:700;line-height:121%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;padding-left:2.93pt">Total costs improved 3%, even with investments related to the launch of our digital bank, supported by savings from our transformation initiatives.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions decreased 1%, on the back of lower provisions in our auto portfolio. Cost of risk stood at 4.44%.</span></div><div style="margin-bottom:116pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The other gains (losses) and provisions line posted a loss of EUR 55 million compared to a EUR 46 million loss in 2023.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.166%"><tr><td style="width:1.0%"/><td style="width:36.167%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.982%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Openbank US. Underlying income statement</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">/ </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,297</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">5,367&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">(1)</span></td><td colspan="3" style="padding:2px 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:105%">(1)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,225)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(2,305)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(3)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(3)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,072</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,062</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">0</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">0</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,466)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(2,490)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(1)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(1)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">551</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">525</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+5</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+5</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451818">4.5.3 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">83</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451770"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:0.1%"/><td style="width:1.725%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:52.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.829%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#14868d;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #14868d;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-bottom:0.5pt solid #14868d;padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:16pt;font-weight:700;line-height:105%">Corporate &amp; Investment Banking</span></td><td colspan="3" style="background-color:#14868d;border-bottom:0.5pt solid #14868d;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Underlying attributable profit</span></div></td><td colspan="3" style="background-color:#14868d;border-bottom:0.5pt solid #14868d;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">EUR 2,639 mn</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;text-align:justify"><span id="ib920bc56d9f34cffb5ee1b3bfd6b3d06"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</span></div><div style="margin-bottom:8pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Gross loans and advances to customers, excluding reverse repos and in constant euros, remained flat year-on-year, as higher activity in Global Markets was offset by lower volumes in Global Transaction Banking and in Global Banking. Customer deposits, excluding repos and in constant euros, fell 10% year-on-year, in line with our strategy to reduce excess corporate deposits.</span></div><div style="margin-bottom:8pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">In Global Transaction Banking (GTB)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.017em;line-height:130%">strong activity in Export Finance and Trade &amp; Working Capital Solutions more than compensated weaker activity in Cash Management, impacted by lower interest rates</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">:</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.003em;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.003em;line-height:130%;padding-left:3.11pt">Export Finance maintained a strong market position driven by our coordinator and underwriter roles in some of the most important transactions. </span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.003em;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.003em;line-height:130%;padding-left:3.11pt">Trade &amp; Working Capital Solutions continued to increase collaboration with Financial Sponsors, Leveraged Finance and M&amp;A teams and we outperformed the market backed by our leading innovative solutions.</span></div><div style="margin-bottom:8pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Global Banking (GB)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> performed well on the back of growth in Corporate Finance and Global Debt Financing (GDF).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In Corporate finance, we gained market share in a complex environment, with leading advisory and capital raising roles across our focused industry sectors and higher activity levels in Europe and the US, as a result of our upgraded capabilities and the expansion of our US franchise.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">GDF had the best-ever year in terms of DCM activity and wallet share growth. Structured Finance increased significantly at the end of the year driven by Energy advisory mandates and Fund Finance. Securitized Products in Europe had the most active year in over a decade, being the leading bookrunner in primary cash issuances and as synthetic securitization arranger with fund investments, with increasing activity in Latin America.</span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Global Markets (GM) </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">saw good activity levels throughout the year in Europe, Asia and the US, while Latin America recovered in the second half of the year. Our investments led to increased client activity, highlighting institutional flows, while our US BBO initiative continued to gain momentum, with most key products implemented and volumes ramping up. There was strong activity in Rates, Securitized Products and Cash Equities.</span></div><div style="margin-bottom:3pt"><span id="i90fa933246624d88b80374303ff2f0de"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</span></div><div style="margin-bottom:8pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Underlying attributable profit in 2024 was EUR 2,639 million, up 13% year-on-year. In constant euros, profit grew 17%, as follows:</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total income rose 14% year-on-year, </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.005em;line-height:130%">backed by double-digit growth in net interest income and net fee income. Net interest income grew 16%, boosted by GM. Net fee income increased 22%, driven particularly by GB on the back of the US BBO initiative. Gains on financial transactions decreased 7%, worsening in all business lines except in GTB.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:8pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">By country, there was double-digit revenue growth in Spain, the US, Mexico and Argentina.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">By business, total income rose 24% in GM, on the back of strong activity across European and North American units, mainly with institutional clients. In GB it grew 18% (CF in Europe and the US and GDF across markets). In GTB, total income grew 4% supported by good performance in Export Finance and Trade &amp; Working Capital Solutions.</span></div><div style="padding-left:7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">CIB. Total income by business</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Both EUR million and % change in constant euros</span></td></tr></table></div><div style="margin-bottom:3pt"><img src="san-20251231_g57.jpg" alt="3928" style="height:90px;margin-bottom:5pt;vertical-align:text-bottom;width:340px" id="i-82"/><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Note: total income includes revenue from other activities which are less material (EUR 174 million in 2023 and EUR 161 million in 2024).</span></div><div><span><br/></span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.008em;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.008em;line-height:130%;padding-left:3.11pt">Total costs increased 18% mainly driven by </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">our investments in new products and capabilities to support growth and the increase  in the 'other operating costs' line.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.008em;line-height:130%"> As a result, net operating income increased 11% and the efficiency ratio was 49.7%.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions have a limited impact on results due to the nature of CIB business. They increased year-on-year, though the cost of risk remained low at just 0.08%.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Other gains (losses) and provisions recorded a EUR 19 million loss compared to a EUR 9 million loss in 2023.</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:130%">Underlying RoTE (post-AT1) was 16.3%.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.166%"><tr><td style="width:1.0%"/><td style="width:36.167%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.117%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.982%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">CIB. Underlying income statement</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">/ </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,897</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">7,100&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">+11</span></td><td colspan="3" style="padding:2px 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:105%">+14</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,922)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(3,381)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+16</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+18</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,975</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,719</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+7</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+11</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(141)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(132)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+7</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+10</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,815</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,578&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+7</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+11</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying attr. profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,639</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,328</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+13</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+17</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451818">4.5.3 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">84</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451782"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:0.1%"/><td style="width:1.725%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:52.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.829%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#1e4b42;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:16pt;font-weight:700;line-height:105%">Wealth Management &amp; Insurance</span></td><td colspan="3" style="background-color:#1e414c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Underlying attributable profit</span></div></td><td colspan="3" style="background-color:#1e414c;padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:6pt;text-align:center"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:130%">EUR 1,584 mn</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:1pt solid #3d3d3d;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #3d3d3d;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-bottom:3pt solid #ffffff;border-top:1pt solid #3d3d3d;padding:0 1pt"/><td colspan="3" style="border-bottom:3pt solid #ffffff;border-top:1pt solid #3d3d3d;padding:0 1pt"/><td colspan="3" style="border-bottom:3pt solid #ffffff;border-top:1pt solid #3d3d3d;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="i0907aa8805024e098ab8ec6b5dcd28fc"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:8pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Total assets under management (AuMs) reached EUR 484 billion, +12% year-on-year in constant euros, driven by excellent commercial activity and positive market performance. By business and in constant euros, volumes performed as follows:</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.01em;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.01em;line-height:130%;padding-left:3.11pt">In Private Banking (PB), customer assets and liabilities reached EUR 318 billion, growing 11% year-on-year </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">especially funds and investments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.01em;line-height:130%">.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">We offer our customers the benefits of our scale and international presence which is reflected in 14% growth year-on-year in total clients to 283 thousand.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.005em;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.005em;line-height:130%;padding-left:3.11pt">In </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Insurance &amp; Asset Management Solutions: total SAM AuMs </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.005em;line-height:130%">increased year-on-year </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">on the back of the record commercial activity across countries. </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.005em;line-height:130%">Insurance g</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ross written premiums reached EUR 10.8 billion in 2024, -14% year-on-year, impacted particularly by lower activity in savings business.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:48.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:48.900%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Wealth. 2024 business performance</span></td></tr><tr><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR billion and % change in constant euros. December 2024</span></td></tr></table></div><div><img src="san-20251231_g58.jpg" alt="1082" style="height:120px;margin-bottom:5pt;vertical-align:text-bottom;width:243px" id="i-83"/><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:38.25pt"><tr><td style="width:1.0pt"/><td style="width:36.25pt"/><td style="width:1.0pt"/></tr><tr style="height:17pt"><td colspan="3" style="padding:2px 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:105%">/ 2023</span></td></tr><tr style="height:15pt"><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">+12&#160;</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td></tr><tr style="height:15pt"><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">+15&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/></tr><tr style="height:15pt"><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">+10&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td></tr><tr style="height:15pt"><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">+4&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td></tr><tr style="height:15pt"><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">+6&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td></tr><tr style="height:15pt"><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">-14&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="display:none"/></tr></table></div><div><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: total products marketed, advised, under custody and/or managed.</span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i860d903501ea4d26aa03bbd4bdbf3627"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</span></div><div style="margin-bottom:8pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Underlying attributable profit was EUR 1,584 million, up 17% compared to 2023. In constant euros, it was 18% higher, by line:</span></div><div style="margin-bottom:8pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.011em;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.011em;line-height:130%;padding-left:3.11pt">Total income increased 18% year-on-year, </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.014em;line-height:130%">supported by solid growth in net fee income and net interest income.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Net interest income increased 7% in a favourable macro environment driven by solid margin management and strong commercial activity in Private Banking.</span></div><div style="margin-bottom:8pt;padding-left:7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:8pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.005em;line-height:130%">Net fee income rose 21% year-on-year, </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">with </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.005em;line-height:130%">growth across businesses, boosted especially by higher volumes on the back of positive commercial activity and favourable market performance.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Other income improved year-on-year, mainly due to higher activity in PB, as well as to our insurance joint ventures and our investment platform units, both of them under the Insurance &amp; Asset Management Solutions business line.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Including the fees ceded to our commercial network, total revenue reached EUR 5,913 million, up 16%, on the back of higher customer activity in PB as well as higher volumes and good performance of our asset management business.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total costs were 12% higher year-on-year, reflecting our investments made to strengthen PB teams and develop new capabilities to address the increase in commercial activity. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions recorded a EUR 42 million loss compared to net releases of EUR 19 million in 2023. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The other gains (losses) and provisions recorded an EUR 8 million loss compared to a EUR 1 million loss in 2023.</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:130%">When considering ceded fees along with our PAT, the total contribution to Group profit (PAT+Fees) reached EUR 3,127 million, up 16% year-on-year.</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:130%">Underlying RoTE (post-AT1) in 2024 was 68.2%.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:37.171%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:13.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.878%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Wealth. Underlying income statement</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">/ </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,587</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">3,082&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">+16</span></td><td colspan="3" style="padding:2px 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:105%">+18</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,403)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+11</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+12</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,183</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,816</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+20</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+22</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(42)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 3.27pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,134</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,834&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+16</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+18</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying attr. profit</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,584</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,360</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+17</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+18</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451818">4.5.3 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">85</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451794"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:0.1%"/><td style="width:1.725%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:52.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.829%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#63ba68;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #63ba68;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-bottom:0.5pt solid #63ba68;padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:16pt;font-weight:700;line-height:105%">Payment Solutions</span></td><td colspan="3" style="background-color:#63ba68;border-bottom:0.5pt solid #63ba68;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Underlying attributable profit</span></div></td><td colspan="3" style="background-color:#63ba68;border-bottom:0.5pt solid #63ba68;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">-EUR 299 mn</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4afe837f44b14bb1b913a504dff6cbad"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Business performance</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:130%">In 2024, activity increased as the total number of transactions in Getnet reached 9.8 billion, 5% higher year-on-year, and total payments volume (TPV) was EUR 222 billion, 13% more than in 2023 in constant euros.</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:130%">In our A2A payments platform, the number of transactions processed in 2024 increased strongly, reaching 1.2 billion compared to 303 million in 2023. </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:130%">Payments' loan and deposit portfolios are not material, making up just 0.1% of the Group's total portfolio.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.166%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Getnet. TPV</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR billion and % change in constant euros</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:7.08pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:26.986%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.332%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:26.988%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><div style="margin-bottom:9pt;text-align:center"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">+13%</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="padding-left:31.89pt;padding-right:31.89pt;text-align:center"><img src="san-20251231_g59.jpg" alt="654" style="height:98px;margin-bottom:5pt;vertical-align:text-bottom;width:150px" id="i-84"/></div><div style="margin-bottom:3pt;margin-top:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i09f2f59a6a0641b2bb635b08ce836cfa"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</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:130%">In 2024, Payments recorded an underlying attributable loss of EUR 299 million in 2024. If we exclude the charges after discontinuing our merchant platform in Germany and Superdigital in Latin America in Q2 2024, the underlying attributable loss is EUR 56 million, compared to a EUR 77 million loss in 2023. In constant euros:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total income rose 14% year-on-year, driven by the increase in both NII and net fee income.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total costs grew 11% year-on-year, reflecting continued investment in global payments platforms.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;letter-spacing:-0.003em;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions have a limited impact on results due to the nature of Payments business. They improved 31% year-on-year.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Other gains (losses) and provisions recorded a loss of EUR 247 million, impacted by the aforementioned charges related to the discontinuation of our platforms (EUR 243 mn).</span></div><div style="margin-bottom:27pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">EBITDA margin was 27.5%, 2.7 pp higher than in 2023.</span></div><div style="margin-bottom:85pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:35.937%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.494%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Payment Solutions. Underlying income statement</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million and % change</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">/ </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr style="height:5pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 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:105%">Revenue</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,240&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 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:105%">1,134&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:2px 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:105%">+9</span></td><td colspan="3" style="padding:2px 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:105%">+14</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,209)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(1,111)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+9</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+11</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">23</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+37</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">0</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">LLPs</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(24)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(32)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(31)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">PBT</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(233)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(17)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">0</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+514</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying attr. profit</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(299)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(77)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+291</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">+231</span></td></tr></table><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%"> Detailed financial information in </span><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451818">4.5.3 'Appendix'</a></span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:130%">.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">86</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451806"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:0.1%"/><td style="width:1.725%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:52.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.829%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#3a6d80;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #3a6d80;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-bottom:1pt solid #3a6d80;padding:2px 1pt 2px 2.42pt;text-align:left;vertical-align:middle"><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:16pt;font-weight:700;line-height:105%">Corporate Centre</span></td><td colspan="3" style="background-color:#3a6d80;border-bottom:1pt solid #3a6d80;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:130%">Underlying attributable profit</span></div></td><td colspan="3" style="background-color:#3a6d80;border-bottom:1pt solid #3a6d80;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%">-EUR 1,154 mn</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i94316eb03cb64207804549e341914306"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Results</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:3pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The underlying attributable loss in 2024 was EUR </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">1,154 million, a 16% greater loss than in 2023 (loss of EUR 998 million), with the f</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ollowing breakdown by line item:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net interest income worsened by EUR 268 million, as increased liquidity buffer remuneration was offset by greater interest expense related to higher volumes of TLAC/MREL.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Losses on financial transactions worsened</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> by EUR 106 </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">million, </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">due to the impact from foreign currency hedges and risk transfer initiatives.</span></div><div style="margin-bottom:9pt;text-indent:10.91pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:4pt;margin-top:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Total costs increased 18% year-on-year, driven by higher expenses in the 'other operating costs' line, partially offset by savings from ongoing simplification measures.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net loan-loss provisions recorded a EUR 3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> million net release in 2024, after having registered a net release of EUR 2 million in 2023.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The net negative impact of other gains (losses) and provisions, increased from a EUR 62 million loss in 2023 to a EUR 99 million loss in 2024.</span></div><div style="margin-bottom:6pt;text-indent:10.91pt"><span><br/></span></div></div></div><div style="margin-bottom:9pt;text-indent:9pt"><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:52.295%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:1.034%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.025%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Corporate Centre. Underlying income statement</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(308)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(41)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">660.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"> A</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(408)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(302)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(86)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(680)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(442)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">53.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(540)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(460)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,220)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(901)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">35.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(99)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(62)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Profit before tax</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,317)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(961)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">37.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">162&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(36)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Profit from continuing operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,155)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(998)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Consolidated profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,155)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(998)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Underlying profit attributable to the parent</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,154)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(998)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="12" style="padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="12" style="padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="12" style="padding:0 1pt"/></tr></table></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:52.295%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.034%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.025%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Corporate Centre. Balance sheet and operating means</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Dec-24</span></td><td colspan="3" style="padding:2px 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:105%">Dec-23</span></td><td colspan="3" style="padding:2px 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:105%">%</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,911&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,531&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cash, central banks and credit institutions</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">110,984&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">126,919&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,922&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,727&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial assets</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,444&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">807&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">78.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other asset accounts</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">175,693&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">170,193&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">305,954</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">312,177</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,430&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Central banks and credit institutions</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,103&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,332&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(49.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Marketable debt securities</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">121,122&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">110,144&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial liabilities</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">326&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(85.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other liabilities accounts</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64,321&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57,961&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">213,024</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">221,271</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total equity</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">92,930</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">90,906</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 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:105%">Memorandum items:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gross loans and advances to customers </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,997&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,608&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,299&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,507&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,299&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,508&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 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:105%">Operating means</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Number of employees</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,825&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div></div></div><div style="margin-bottom:26pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:29.147%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. Includes exchange differences.</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Excluding reverse repos.</span></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C. Excluding repos.</span></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">87</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1649267451818"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i70eccc73398f4b01b38a775f2f4c1210"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">4.5.3 Appendix</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i91d380b368ea49d49f1232b071c00da0"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Primary segments</span></div><div style="margin-bottom:9pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:58.423%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.020%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">RETAIL &amp; COMMERCIAL BANKING</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,854&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">25,586&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,022&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,077&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions &#7468;</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">805&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">837&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,617)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,707)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33,064</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30,792</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14,704)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14,757)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,359</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,036</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,064)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,542)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(545)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(298)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">85.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,750</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,195</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">31.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,132)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,076)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,619</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,120</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,619</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,120</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(273)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(232)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,345</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,887</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">24.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">26.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7470;</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">600,230&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">611,882&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">706,505&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">688,569&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">607,094&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">600,871&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">99,411&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87,698&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Risk-weighted assets</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">285,525&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">289,187&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratios (%), operating means and customers</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">RoTE (post-AT1)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.6&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.5&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.1&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44.5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.21&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.21&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.00&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL coverage ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">65&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">135,901&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of total customers (thousands)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">141,179&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">132,961&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of active customers (thousands)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">74,465&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">70,682&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Includes exchange differences.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding reverse repos.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.  Excluding repos.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">88</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:68.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.975%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail Spain</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,930&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,160&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,199&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,219&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,915</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,012</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,606)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,048)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,309</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,964</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">45.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,121)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,464)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(23.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,824</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,400</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">101.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7468;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">156,118&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">161,512&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">266,230&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">251,301&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits &#7470;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">222,089&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">212,952&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,141&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,349&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Excluding reverse repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:58.603%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.975%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail UK</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,760&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,973&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">233&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">302&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(22.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(25.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,766</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,140</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(7.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(9.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,965)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,858)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,801</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,283</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(21.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(23.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(64)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(247)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(74.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(74.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,633</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,960</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(16.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(18.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7468;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">233,033&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">231,856&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">217,765&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">219,820&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits &#7470;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">211,720&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">213,965&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,045&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,855&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Excluding reverse repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">89</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:58.423%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.020%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail Mexico</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,974&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,848&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">910&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">961&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,861</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,670</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,114)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,114)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,746</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,556</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,222)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,117)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,524</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,439</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7468;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,721&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,724&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,220&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50,315&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits &#7470;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,245&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39,761&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,975&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,554&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Excluding reverse repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:58.423%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.020%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Retail Brazil</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,811&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,278&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,327&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,338&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,992</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,454</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,159)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,278)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,833</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,176</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,857)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,970)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,975</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,144</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">72.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">85.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7468;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">66,406&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">74,526&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">72,993&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81,119&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits &#7470;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,865&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58,753&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,128&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,366&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Excluding reverse repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">90</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:58.423%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.020%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">OPENBANK</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,777&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,221&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,508&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,229&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions &#7468;</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">116&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">596&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">709&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,877</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,274</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,576)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,526)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,302</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,748</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,562)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,106)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(512)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,228</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,677</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(16.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(16.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(294)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(426)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(30.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,934</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,251</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(14.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,934</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,251</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(14.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(275)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(350)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,659</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,901</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7470;</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">215,164&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">206,649&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137,122&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">120,996&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">128,933&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">114,334&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,189&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,662&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Risk-weighted assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">151,102&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">154,396&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratios (%), operating means and customers</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">RoTE (post-AT1)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.8&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.6&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.9)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43.3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.07&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.75&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL coverage ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">74&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,903&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of total customers (thousands)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,041&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,413&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Includes exchange differences.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding reverse repos.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.  Excluding repos.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">91</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:58.423%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.020%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Openbank Europe</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,361&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,193&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">902&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">796&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,644</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,481</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,848)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,751)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,796</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,730</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,209)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(792)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">52.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,131</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,019</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(44.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(44.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7468;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">139,927&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">135,202&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">85,876&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">72,963&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits &#7470;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81,376&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69,334&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,500&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,629&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Excluding reverse repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:58.423%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.020%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Openbank US</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,651&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,599&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">303&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">237&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,297</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,367</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,225)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,305)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,072</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,062</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,466)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,490)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">551</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">525</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7468;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56,266&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,013&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,230&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,895&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits &#7470;</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,541&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,862&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,689&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,033&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Excluding reverse repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding repos.</span></div></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">92</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:58.423%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.020%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">CORPORATE &amp; INVESTMENT BANKING</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,779&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,361&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,415&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,013&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions &#7468;</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,568&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,748&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(10.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(7.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">136&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(22)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,897</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,100</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,922)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,381)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,975</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,719</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(141)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(132)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(19)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">113.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">116.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,815</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,578</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,023)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,086)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,792</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,491</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,792</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,491</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(153)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(163)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,639</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,328</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7470;</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">130,840&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">132,308&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">147,492&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">166,721&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">133,433&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152,156&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,059&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,565&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Risk-weighted assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117,010&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">109,397&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratios (%) and operating means</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">RoTE (post-AT1)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.9&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.4&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49.7&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.86&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.43&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.56)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL coverage ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,652&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Includes exchange differences.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding reverse repos.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.  Excluding repos.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">93</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:58.423%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.020%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">WEALTH MANAGEMENT &amp; INSURANCE</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,591&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,499&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,442&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions &#7468;</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">256&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">178&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">44.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">45.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">298&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">197&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,587</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,082</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,403)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,266)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,183</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,816</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(42)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">548.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">577.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,134</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,834</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(509)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(429)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,624</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,405</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,624</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,405</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(40)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(45)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,584</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,360</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7470;</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,643&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,550&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">161,304&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">148,292&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,736&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,599&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">105,568&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94,693&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Risk-weighted assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,709&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,066&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(35.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Assets under management</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">483,695&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">448,297&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gross written premiums</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,752&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,937&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratios (%), operating means and customers</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">RoTE (post-AT1)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68.2&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">61.8&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.4&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39.1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.98&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.41)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL coverage ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,425&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of Private Banking customers (thousands)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">283&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">247&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Includes exchange differences.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding reverse repos.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.  Excluding repos.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">94</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:58.423%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.019%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.020%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">PAYMENT SOLUTIONS</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">132&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">92&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">42.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">50.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">958&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">954&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions &#7468;</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(97.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(97.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">150&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">97&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">54.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,240</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,134</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,209)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,111)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">31</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(30.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(247)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(233)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(17)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">514.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(57)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(59)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(290)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(75)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">285.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">223.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(290)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(75)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">285.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">223.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">571.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(299)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(77)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">290.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">231.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Business volumes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers &#7470;</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,087&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,194&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,038&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,418&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,038&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,418&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Risk-weighted assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,898&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,428&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratios (%) and operating means</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">EBITDA margin</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27.5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24.8&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.7&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">97.5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">98.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,382&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.  Includes exchange differences.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.  Excluding reverse repos.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.  Excluding repos.</span></td><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">95</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i18b7fcd608a34acb8837a047972acf23"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Secondary segments</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:31.640%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.499%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Spain</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">UK</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,256&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,641&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,950&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,152&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,867&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,699&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">283&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">338&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(16.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(18.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,100&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">688&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">59.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(18)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">358&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(190)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(203)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(162)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,580</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9,837</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,011</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,358</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(6.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(9.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,509)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,815)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,050)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,928)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,071</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,022</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">40.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,962</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,430</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(19.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(21.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,259)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,522)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(17.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(64)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(247)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(74.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(74.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(372)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(100)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">270.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(104)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(75)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">38.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,440</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,399</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">60.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,794</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,107</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(14.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(17.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,678)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,029)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">63.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(488)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(563)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(13.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(15.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,763</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,371</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">58.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,306</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,545</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(15.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(17.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,763</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,371</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">58.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,306</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,545</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(15.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(17.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">106.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,762</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,371</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">58.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,306</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,545</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(15.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(17.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance sheet</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">246,897&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">239,214&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">246,453&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">245,743&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cash, central banks and credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">97,838&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">113,091&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">54,787&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,387&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94,519&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">70,072&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,120&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,234&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,132&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40,926&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">390&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">289&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">35.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other asset accounts</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,341&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,497&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,382&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,363&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(22.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(25.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">509,726</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">485,799</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">320,132</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">323,016</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">323,425&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">324,099&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">230,408&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">233,453&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Central banks and credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57,218&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,802&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,665&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,202&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Marketable debt securities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,385&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,486&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,933&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,850&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial liabilities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">59,976&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">46,532&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,500&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,434&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(27.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(30.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other liabilities accounts</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,163&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,264&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,733&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,704&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total liabilities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">489,168</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">466,184</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">308,239</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">310,642</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total equity</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,558</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,615</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,893</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,373</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(8.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Memorandum items:</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gross loans and advances to customers </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">225,759&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">229,803&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">236,496&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">235,111&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">399,999&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">386,810&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">230,479&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">231,667&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 7.75pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">306,389&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">308,745&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">222,835&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">224,396&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93,609&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">78,065&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,643&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,272&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratios (%), operating means and customers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">RoTE (post-AT1)</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">11.8&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">6.4&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.6&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">12.5&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(2.0)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38.9&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">48.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(10.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60.9&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">54.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.66&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.04&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.33&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.42&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.09)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL coverage ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">49&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of branches</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,827&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,874&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">444&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">444&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of total customers (thousands)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,307&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,023&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,541&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,481&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of active customers (thousands)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,842&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,367&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,646&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,864&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f4fbfc;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f4fbfc;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f4fbfc;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f4fbfc;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. Includes exchange differences.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Excluding reverse repos.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C. Excluding repos.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">96</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></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 style="width:30.882%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.378%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.859%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.859%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.412%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.378%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.688%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.161%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.161%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.603%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portugal</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Openbank Europe</span></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">% excl. FX</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,548&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,465&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,361&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,193&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">467&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">464&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">902&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">796&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(17)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">405&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">375&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,065</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,944</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,644</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,481</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(574)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(567)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,848)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,751)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,492</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,378</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">8.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,796</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,730</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(77)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(85.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,209)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(792)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">52.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">51.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(100.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(456)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,481</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,314</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,131</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,019</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(44.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(44.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(478)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(416)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(255)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(493)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(48.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(48.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,003</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">876</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,526</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(42.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(42.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,003</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">876</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,526</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(42.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(42.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(234)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(327)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(28.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(28.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,001</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">896</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">642</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,199</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(46.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(46.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance sheet</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,410&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,864&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137,038&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">132,692&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cash, central banks and credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,873&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,084&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(52.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,185&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,636&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,010&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,991&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,310&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,387&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,129&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,078&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">128&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">135&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other asset accounts</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,109&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,279&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,115&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,945&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59,530</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">58,297</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">173,775</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">166,796</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,304&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">36,366&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81,376&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">69,334&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Central banks and credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,813&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,237&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,120&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,965&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Marketable debt securities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,973&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,813&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,137&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,605&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial liabilities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">339&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">319&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,918&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,218&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other liabilities accounts</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,056&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,725&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(18.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,714&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,233&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total liabilities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">55,485</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">54,460</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">160,264</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">153,355</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total equity</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,046</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,837</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,512</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,441</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Memorandum items:</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gross loans and advances to customers </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39,143&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37,658&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">139,927&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">135,202&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,186&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40,618&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">85,876&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">72,963&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 7.75pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,304&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36,366&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81,376&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">69,334&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,882&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,252&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,500&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,629&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratios (%), operating means and customers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">RoTE (post-AT1)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25.0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">25.6&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(0.6)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">11.6&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(6.1)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27.8&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50.5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.27&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.14)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.50&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.12&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.37&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL coverage ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">78&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">83&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">83&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">88&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of branches</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">374&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">376&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">326&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">342&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of total customers (thousands)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,989&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,908&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,550&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,193&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of active customers (thousands)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,905&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,838&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. Includes exchange differences.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="border-top:0.5pt solid #f0f0f0;padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="border-top:0.5pt solid #f0f0f0;padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="border-top:0.5pt solid #f0f0f0;padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Excluding reverse repos.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C. Excluding repos.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">97</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:24pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:31.640%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.011%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.016%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">US</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mexico</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7.3pt;font-weight:700;line-height:105%">% excl. FX</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7.3pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,693&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,742&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,631&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,408&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,152&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">766&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,385&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,374&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">371&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">294&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">396&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">211&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">365&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">406&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(133)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(94)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,580</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,209</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6,278</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,899</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,965)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,707)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,727)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,645)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,615</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,502</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,551</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,254</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,507)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,593)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,277)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,135)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(55)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(46)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,053</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">863</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">22.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">22.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,274</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,119</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">10.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">69&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(19.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(19.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(598)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(541)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,109</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">932</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,676</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,577</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,109</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">932</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,676</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,577</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(17)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(73.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(72.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,109</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">932</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,671</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,560</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance sheet</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">134,856&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">126,843&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,054&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,905&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cash, central banks and credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,200&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,215&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,945&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,088&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(22.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,042&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,686&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,092&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,624&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,821&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,075&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(30.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(34.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,785&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,723&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(14.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other asset accounts</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,058&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,307&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(7.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,745&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,156&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">208,978</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">191,126</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">97,621</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">102,496</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">125,403&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">121,782&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49,836&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,703&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(7.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Central banks and credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,794&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,411&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,260&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,047&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Marketable debt securities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,783&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,059&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,632&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,074&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial liabilities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,223&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,276&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(28.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(32.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,640&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,189&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other liabilities accounts</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,683&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,119&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,115&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,579&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total liabilities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">192,886</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">176,646</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">89,483</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">93,592</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total equity</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,091</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,480</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,138</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,904</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(8.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Memorandum items:</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gross loans and advances to customers </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117,511&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">112,671&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,715&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,688&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">108,246&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">108,062&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">61,160&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">62,775&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 7.75pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93,545&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">95,697&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,528&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">45,693&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(9.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,702&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,364&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,632&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,082&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">32.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratios (%), operating means and customers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">RoTE (post-AT1)</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.9&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">5.6&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">1.3&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19.6&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">17.4&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">2.2&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">52.3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">51.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43.4&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">44.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.68&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.57&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.71&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.11)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL coverage ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">68&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of branches</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">405&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">415&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,356&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,369&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of total customers (thousands)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,474&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,510&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,289&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,517&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of active customers (thousands)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,308&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,223&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,871&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,263&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. Includes exchange differences.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="border-top:0.5pt solid #f0f0f0;padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="border-top:0.5pt solid #f0f0f0;padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="border-top:0.5pt solid #f0f0f0;padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="border-top:0.5pt solid #f0f0f0;padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Excluding reverse repos.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C. Excluding repos.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/></tr><tr><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">98</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:31.640%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.011%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.016%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Brazil</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Chile</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7.3pt;font-weight:700;line-height:105%">% excl. FX</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7.3pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,121&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,116&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,822&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,383&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">48.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,414&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,462&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">551&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">572&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(37)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">483&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">238&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">320&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(25.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(18)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,536</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,104</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,592</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,285</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">27.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,219)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,430)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(942)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(953)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">8,318</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,674</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">8.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">16.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,650</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,332</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">23.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">39.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,487)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,701)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(497)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(365)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">36.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(62)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(99.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(99.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(42)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">169.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">203.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,830</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,911</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">41.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,111</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">951</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">16.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,165)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(776)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">50.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">61.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(211)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(135)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">56.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">75.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,665</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,135</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">899</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">816</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,665</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,135</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">899</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">816</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(243)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(215)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(271)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(234)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,422</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,921</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">26.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">35.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">629</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">582</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance sheet</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88,620&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96,399&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,332&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,616&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cash, central banks and credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,745&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,618&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,759&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,373&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,670&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,325&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,993&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,273&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(39.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(35.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,632&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,161&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">56.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,554&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,159&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other asset accounts</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,844&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,590&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,796&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,746&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">205,510</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">220,093</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">70,434</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">77,167</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(8.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93,994&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">110,162&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(14.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,181&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">29,578&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Central banks and credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,878&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,333&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,133&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,808&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(45.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(41.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Marketable debt securities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,351&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,976&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,403&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,775&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial liabilities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,215&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28,625&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">43.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,323&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,624&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other liabilities accounts</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,582&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,938&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(29.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(15.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,942&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,733&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(48.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(44.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total liabilities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">190,020</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">203,035</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">64,983</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">71,518</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(9.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total equity</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,490</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,058</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(9.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,451</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,648</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Memorandum items:</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gross loans and advances to customers </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93,785&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">102,583&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,405&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,823&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">129,881&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">145,044&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(10.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,383&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40,098&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 7.75pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81,378&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">90,297&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(9.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,060&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29,337&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,503&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">54,747&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(11.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,324&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,761&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">32.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratios (%), operating means and customers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">RoTE (post-AT1)</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.8&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">13.1&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">3.6&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">14.2&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">2.1&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38.6&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">41.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36.4&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">41.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.10&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.15)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.37&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.01&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL coverage ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">79&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">83&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">53&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of branches</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,202&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,580&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(14.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">237&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">248&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of total customers (thousands)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69,455&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">62,804&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,311&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,052&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of active customers (thousands)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,123&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30,460&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,556&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,399&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. Includes exchange differences.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="border-top:0.5pt solid #f0f0f0;padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="border-top:0.5pt solid #f0f0f0;padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="border-top:0.5pt solid #f0f0f0;padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Excluding reverse repos.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C. Excluding repos.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/><td colspan="3" style="padding:0 1pt 0 4.97pt;text-indent:-3.97pt"/></tr><tr><td colspan="3" style="display:none"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">99</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:31.640%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.499%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;margin-top:9pt"></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Argentina</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Rest of the Group</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying income statement</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7.3pt;font-weight:700;line-height:105%">% excl. FX</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,919&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,879&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">55.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">832&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">780&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">602&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">396&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">52.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">722&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">615&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">229&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">341&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">326&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">353&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,263)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,071)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,487</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,544</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">61.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,889</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,721</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">10.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total costs</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,337)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(831)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60.9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,643)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,415)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net operating income</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,150</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">713</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">61.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">246</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">306</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(19.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(17.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(284)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(150)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">89.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(230)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(203)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(39)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(58)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(34.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(263)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(25)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">938.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">942.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit before tax</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">827</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">505</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">63.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(248)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">77</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(161)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(117)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">38.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(37)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(75)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(50.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(49.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit from continuing operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">666</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">388</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">71.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f4fbfc;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(285)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f4fbfc;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated profit</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">666</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">388</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">71.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f4fbfc;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(285)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(43.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f4fbfc;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(30.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(22.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying profit attributable to the parent</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">665</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">386</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">72.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f4fbfc;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(280)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance sheet</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,684&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,767&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">104.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,905&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,892&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cash, central banks and credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,901&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,548&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,178&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,911&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">99.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,654&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,368&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,677&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,447&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">112.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,041&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,116&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">43.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">58.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other asset accounts</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">978&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">776&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,930&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,671&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(20.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(29.2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total assets</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,240</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,470</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">55.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">49,732</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">48,037</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,293&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,478&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">74.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,955&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,207&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">23.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">32.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Central banks and credit institutions</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">852&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,271&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(33.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,309&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,050&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Marketable debt securities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">158&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">148&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">898&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">703&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial liabilities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">968&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">638&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">51.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,694&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,061&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">48.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other liabilities accounts</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">476&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">455&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,514&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">960&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">93.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total liabilities</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,746</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,990</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">52.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">44,371</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">41,981</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total equity</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,494</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,479</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">68.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,360</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,056</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(11.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(36.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Memorandum items:</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gross loans and advances to customers </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,938&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,878&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">104.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,285&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,164&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.0)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer funds</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,047&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,288&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">65.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,204&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,670&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Customer deposits </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 7.75pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,293&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,478&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">74.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,527&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,034&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;&#160;&#160;Mutual funds</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,754&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,810&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">51.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,677&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,636&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratios (%), operating means and customers</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">RoTE (post-AT1)</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34.5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">54.7&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(20.2)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Efficiency ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53.8&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">53.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.06&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.99&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.07&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">NPL coverage ratio</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">166&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of branches </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">409&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">322&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of total customers (thousands)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,117&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,771&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of active customers (thousands)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,674&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,562&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. Includes exchange differences.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Excluding reverse repos.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C. Excluding repos.</span></td><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"/></tr><tr><td colspan="3" style="display:none"/></tr><tr><td colspan="33" style="padding:2px 1pt 2px 4.97pt;text-align:left;text-indent:-3.97pt;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D. In Argentina, we have included the CartaSur points of sale and the banking service points in 2024 figures.</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">100</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_667"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="i654f6532e22641f590ccacd740f44cca"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">4.6 Alternative performance measures (APMs): 2025, 2024 and 2023</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i8f05ac5184ac4066925628cc70a5d7a1"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Profitability and efficiency ratios</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:130%">The purpose of the profitability ratios is to measure the ratio of profit to equity, to tangible equity, to assets and to risk-weighted assets.  The efficiency ratio measures the amount of costs needed to generate revenue.</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:130%">The results related to activity in Poland affected by the Poland disposal are recorded in the 'non-recurring items' line within the underlying income statement. Profitability ratios are therefore also presented on an underlying basis. Additionally, the definition of efficiency has been adjusted to use the new total costs line.</span></div><div style="margin-bottom:9pt;margin-top:18pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:20.825%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.429%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:32.085%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.429%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:40.532%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratio </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Formula </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Relevance of the metric</span></td></tr><tr style="height:21pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">RoE </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit attributable to the parent</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">This ratio measures the return that shareholders obtain on the funds invested in the bank and as such measures the bank&#8217;s ability to pay shareholders. </span></td></tr><tr style="height:21pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(Return on Equity) </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;&#160;&#160;Average stockholders&#8217; equity </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"> (excl. minority interests)</span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:21pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying RoE</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Underlying profit attributable to the parent</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 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:105%">This ratio measures the return that shareholders obtain on the funds invested in the bank excluding results from operations outside the ordinary course of business. </span></td></tr><tr style="height:21pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;&#160;&#160;Average stockholders&#8217; equity </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"> (excl. minority interests)</span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:24pt"><td colspan="3" style="padding:2px 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:105%">RoTE (post-AT1)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Profit attributable to the parent minus AT1 costs</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 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:105%">This indicator is used to assess the profitability of a company as a percentage of its tangible equity, deducting AT1 issuance costs from the numerator. It is measured as the return that shareholders receive as a percentage of the funds invested in the bank less intangible assets.</span></td></tr><tr style="height:21pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(Return on Tangible Equity) </span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Average stockholders' equity </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"> (excl. minority interests) - intangible assets</span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:26pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying RoTE (post-AT1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Underlying profit attributable to the parent minus AT1 costs </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 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:105%">As with RoTE (post-AT1), this indicator is used to assess the profitability of the tangible equity of a company of a company, deducting AT1 issuance costs from the numerator, but excluding results from operations outside the ordinary course of business (i.e. arising from underlying activities).</span></td></tr><tr style="height:26pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Average stockholders' equity </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"> (excl. minority interests) - intangible assets</span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 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:105%">RoA </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Consolidated profit</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 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:105%">This metric measures the profitability of a company as a percentage of its total assets. It is an indicator that reflects the efficiency of the bank&#8217;s total assets in generating profit over a given period.</span></td></tr><tr style="height:20pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(Return on Assets) </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Average total assets</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:24pt"><td colspan="3" style="padding:2px 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:105%">Underlying RoA</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Underlying consolidated profit</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 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:105%">This metric measures the profitability of a company as a percentage of its total assets excluding results from operations outside the ordinary course of business. It is an indicator that reflects the efficiency of the bank&#8217;s total assets in generating underlying profit over a given period.</span></td></tr><tr style="height:24pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Average total assets</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:18pt"><td colspan="3" style="padding:2px 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:105%">RoRWA</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Consolidated profit</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 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:105%">The return adjusted for risk is a derivative of the RoA metric. The difference is that RoRWA measures profit in relation to the bank&#8217;s risk-weighted assets.</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(Return on Risk-Weighted Assets)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Average risk-weighted assets</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying RoRWA</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Underlying consolidated profit</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 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:105%">This relates the underlying consolidated profit (excluding results from operations outside the ordinary course of business) to the Group&#8217;s risk-weighted assets.</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Average risk-weighted assets</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:24pt"><td colspan="3" style="padding:2px 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:105%">Efficiency</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Total costs </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"> </span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 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:105%">One of the most commonly used indicators when comparing productivity of different financial entities. It measures the amount of resources used to generate the bank&#8217;s total income.</span></td></tr><tr style="height:24pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(Cost-to-income)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Total income</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.6pt">Stockholders&#8217; equity = Capital and Reserves + Accumulated other comprehensive income + Profit attributable to the parent + Dividends.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.47pt">Excluding the adjustment to the valuation of goodwill, since they are not considered in the denominator, we believe this calculation is more correct.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.64pt">Total costs = Administrative expenses + amortizations + other operating costs.</span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">101</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:65.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.160%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Profitability and efficiency </span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">A</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"> </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(EUR million and %)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">RoE</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13.9</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13.0</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11.9</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit attributable to the parent</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,101</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,574</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,076</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Average stockholders' equity (excluding minority interests)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">101,497</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96,744</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93,035</span></td><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying RoE</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13.0</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12.2</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11.2</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Profit attributable to the parent</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,101</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,574</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,076</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(-) Non-recurring items</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">949</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">800</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">674</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Underlying profit attributable to the parent</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,152</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,774</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,402</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Average stockholders' equity (excluding minority interests)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">101,497</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96,744</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93,035</span></td><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">RoTE post-AT1</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">16.3</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15.5</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">14.4</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Profit attributable to the parent</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,101</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,574</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,076</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(-) AT1 costs</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">622</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">620</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">492</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(-) Goodwill impairment</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20)</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Profit attributable to the parent minus AT1 costs (excluding goodwill impairment)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,483</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,958</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,604</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Average stockholders' equity (excluding minority interests)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">101,497</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96,744</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93,035</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(-) Average intangible assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,865</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,428</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,361</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Average stockholders' equity (excl. minority interests) - intangible assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82,631</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77,316</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73,675</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying RoTE (post-AT1)</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15.2</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">14.4</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13.5</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;&#160;Profit attributable to the parent</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,101</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,574</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,076</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(-) AT1 costs</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">622</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">620</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">492</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(-) Goodwill impairment</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20)</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Profit attributable to the parent minus AT1 costs (excluding goodwill impairment)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,483</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,958</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,604</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(-) Non-recurring items</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">949</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">800</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">674</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Underlying profit attributable to the parent minus AT1 costs (excluding goodwill impairment)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,534</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,158</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,930</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Average stockholders' equity (excluding minority interests)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">101,497</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96,744</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93,035</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(-) Average intangible assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,865</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,428</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,361</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Average stockholders' equity (excl. minority interests) - intangible assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82,631</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77,316</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73,675</span></td><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">RoA</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">0.84</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">0.76</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">0.69</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Consolidated profit</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,500</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,744</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,183</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Average total assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,843,112</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,803,272</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,773,103</span></td><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying RoA</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">0.79</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">0.72</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">0.65</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Consolidated profit</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,500</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,744</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,183</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(-) Adjustments to consolidated profit for activity outside the ordinary course of business</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,503</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,220</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">990</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Underlying consolidated profit</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,997</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,524</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,193</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Average total assets </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,771,298</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,739,915</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,716,997</span></td><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">RoRWA</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2.44</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2.18</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1.95</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,500</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,744</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,183</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Average risk-weighted assets </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">634,020</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">630,494</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">624,031</span></td><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Underlying RoRWA</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2.31</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2.07</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1.86</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Consolidated profit</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,500</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,744</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,183</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(-) Adjustments to consolidated profit for activity outside the ordinary course of business</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,503</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,220</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">989</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Underlying consolidated profit</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,997</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,524</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,194</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Average risk-weighted assets </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"> </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">605,556</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">604,137</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">602,132</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Efficiency ratio</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">45.3</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">47.2</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">49.1</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Operating expenses</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,779</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,215</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,684</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Adjustments to operating expenses in the underlying income statement</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,631</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,139</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,817</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Underlying total costs</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,410</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,354</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,501</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Total income</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58,311</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58,043</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,951</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Adjustments to total income in the underlying income statement</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(59)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Underlying total income</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58,308</span></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57,984</span></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,940</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:112%">A.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:112%;padding-left:1.6pt">Averages included in the RoE, RoTE, RoTE (post-AT1), RoA and RoRWA denominators are calculated using the monthly average over the period, which we believe should not differ materially from using daily balances.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.47pt">The risk-weighted assets included in the denominator of the RoRWA metric are calculated in line with the criteria laid out in the CRR (Capital Requirements Regulation).</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.64pt">Excludes balances related to the Poland disposal.</span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">102</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-top: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 style="width:14.900%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.228%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:35.757%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.085%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:41.330%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Ratio </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Formula </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Relevance of the metric</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:21pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Global business and country underlying RoTE (post-AT1) </span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Underlying profit attributable to the parent minus AT1 costs</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"> (excluding goodwill impairment)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #ec0000;padding:2px 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:105%">This indicator is used to assess the profitability of the tangible equity of a company arising from underlying activities, i.e. excluding results from operations outside the ordinary course of business, deducting AT1 issuance costs from the numerator.</span></div></td></tr><tr style="height:21pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Average stockholders' equity</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"> </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(excl. minority interests) - intangible assets</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.6pt">For both global businesses and countries, AT1 costs are allocated according to RWA consumption.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.47pt">For global businesses, tangible equity is allocated according to RWA consumption.</span></div><div style="text-indent:10.91pt"><span><br/></span></div><div style="margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"/><td style="width:11.956%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.541%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.541%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.402%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">RoTE (post-AT1) </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(EUR million and %)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Numerator</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Denominator</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Numerator</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Denominator</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Numerator</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Denominator</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17.1</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,411</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">43,382</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,051</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">39,997</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,639</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">38,855</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8.5</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,578</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,546</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,500</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,090</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,774</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,686</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">CIB</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17.8</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,602</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,603</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,519</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,483</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,240</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,105</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wealth</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">61.5</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,961</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,189</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">68.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,567</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,296</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">61.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,346</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,178</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payments</span></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Spain</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20.4&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,133&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,230&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.3&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,620&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,822&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.8&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,261&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,104&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">UK</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.2&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,248&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,200&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,247&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,781&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,489&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,874&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Portugal</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30.3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">994&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,282&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">985&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,948&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">884&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,458&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Openbank Europe</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.7&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">685&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,212&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">556&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,055&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,131&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,721&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.2&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,454&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,311&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,024&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,742&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">865&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,355&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexico</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22.0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,674&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,616&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,638&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,343&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,533&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,814&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazil</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,074&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,545&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,323&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,853&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,839&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,987&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19.7&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">703&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,567&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">602&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,693&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">559&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,925&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentina</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20.2&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">419&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,072&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34.5&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">658&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,909&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">54.7&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,201&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,195&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Numerator: underlying profit attributable to the parent excluding goodwill impairment minus AT1 costs (excluding goodwill impairment). </span></div><div><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Denominator: average stockholders' equity (excluding minority interests) - tangible assets.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Payment Solutions' RoTE (post-AT1) is not provided as we do not consider it a relevant metric to measure performance in this type of business.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"/><td style="width:11.956%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.541%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.541%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.402%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Efficiency ratio </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(EUR million and %)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Numerator</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Denominator</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Numerator</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Denominator</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Numerator</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Denominator</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Retail</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">42.9</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,913</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">32,447</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">44.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,704</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">33,064</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">47.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,757</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,792</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">43.6</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,680</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,015</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">43.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,576</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,877</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">45.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,526</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,274</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">CIB</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">46.8</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,752</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,016</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">49.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,922</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,897</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">47.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,381</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,100</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Wealth</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">35.7</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,444</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,042</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">39.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,403</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,587</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">41.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,266</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,082</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Payments</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">87.6</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,203</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,373</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">97.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,209</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,240</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">98.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,111</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,134</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Spain</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37.6&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,465&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,887&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38.9&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,509&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,580&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48.9&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,815&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,837&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">UK</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58.4&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,937&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,032&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,050&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,011&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">54.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,928&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,358&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Portugal</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27.8&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">544&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,956&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">574&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,065&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">567&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,944&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Openbank Europe</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48.9&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,899&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,925&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,848&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,644&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,751&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,481&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49.1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,890&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,929&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">52.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,965&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,580&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,707&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexico</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43.3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,730&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,305&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,727&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,645&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,899&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazil</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39.3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,957&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,602&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,219&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,536&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,430&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,104&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33.9&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">919&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,714&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">942&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,592&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">953&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,285&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentina</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43.8&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">978&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,235&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53.8&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,337&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,487&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53.8&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">831&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,544&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Numerator: underlying total costs.</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Denominator: underlying total income.</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">103</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ica8786b45684427196ef504229c21035"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Credit risk indicators</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:130%">The credit risk indicators measure the quality of the credit portfolio and the percentage of non-performing loans covered by provisions.</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:130%">As explained in </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823626">2. 'Presentation of financial and other information'</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, the credit risk metrics have been enhanced to include corporate exposures originated through private fixed income products. Additionally, these measures exclude Poland from all periods presented.</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:15.937%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:40.974%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:38.309%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratio</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Formula</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Relevance of the metric</span></td></tr><tr style="height:39pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-top:2pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">NPL ratio <br/></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(Non-performing loans ratio)</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Credit impaired customer loans and advances, guarantees and undrawn balances and debt securities issued by non-financial institutions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">The NPL ratio is an important variable regarding financial institutions' activity since it gives an indication of the level of credit risk the entities are exposed to. It calculates risks that are, in accounting terms, declared to be credit impaired as a percentage of the total outstanding amount of customer credit and contingent liabilities and debt securities issued by non-financial institutions.</span></td></tr><tr style="height:39pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Total risk </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:42pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">NPL coverage ratio</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Total allowances to cover impairment losses on customer loans and advances, guarantees and undrawn balances and debt securities issued by non-financial institutions</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 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:105%">The NPL coverage ratio is a fundamental metric in the financial sector. It reflects the level of provisions as a percentage of the credit impaired assets. Therefore, it is a good indicator of the entity's solvency against customer defaults both present and future.</span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit impaired customer loans and advances, guarantees and undrawn balances and debt securities issued by non-financial institutions</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Cost of risk</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">&#160;&#160;&#160;Allowances for loan-loss provisions over the last 12 months</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 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:105%">This ratio quantifies loan-loss provisions arising from credit risk over a defined period of time for a given loan and debt securities issued by non-financial institutions portfolio. As such, it acts as an indicator of credit quality. </span></td></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Average loans and advances to customers and debt securities issued by non-financial institutions over the last 12 months </span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.6pt">Total risk = non-impaired and impaired customer loans and advances and guarantees + impaired undrawn customer balances + debt securities issued by non-financial institutions.</span></div><div style="margin-bottom:9pt;margin-top:30pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:65.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.160%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Credit risk (I) </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(EUR million and %)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Dec-25</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Dec-24</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Dec-23</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">NPL ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.91</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.03</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.11</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Credit impaired balances</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,739</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,383</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,671</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gross loans and advances to customers registered under the headings 'financial assets measured at amortized cost' and 'financial assets designated at fair value through other comprehensive income' classified in stage 3, excluding POCI (Purchased or Originated Credit Impaired)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,531</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,144</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,565</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customer guarantees and undrawn balances classified in stage 3</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,306</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,438</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,485</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gross debt securities issued by non-financial institutions registered under the headings 'financial assets measured at amortized cost' and 'financial assets designated at fair value through other comprehensive income' classified in stage 3</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">839</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">697</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">447</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">POCI exposure (Purchased or Originated Credit Impaired) that is additionally impaired</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">91</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">165</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Doubtful exposure of portfolios at fair value through profit or loss</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total risk</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,159,180</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,134,418</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,115,288</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Impaired and non-impaired gross loans and advances to customers</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,058,447</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,038,306</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,025,256</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Impaired and non-impaired customer guarantees and impaired undrawn customer balances</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80,056</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77,560</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">72,026</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Impaired and non-impaired gross debt securities issued by non-financial institutions</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,677</span></td><td colspan="3" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,552</span></td><td colspan="3" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,006</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">104</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:9pt;margin-top:30pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:65.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.160%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Credit risk (II) </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(EUR million and %)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Dec-25</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Dec-24</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Dec-23</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">NPL coverage ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">66</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">64</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">66</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total allowances to cover impairment losses</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,358</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,155</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,734</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Total allowances to cover impairment losses on loans and advances to customers measured at amortized cost and designated at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,158</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,145</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,794</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Total allowances to cover impairment losses on customer guarantees and undrawn balances</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">712</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">688</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">674</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Total allowances to cover impairment losses on debt securities issued by non-financial institutions measured at amortized cost and designated at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">488</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">322</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">266</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Credit impaired balances</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,739</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,383</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,671</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Gross loans and advances to customers registered under the headings 'financial assets measured at amortized cost' and 'financial assets designated at fair value through other comprehensive income' classified in stage 3, excluding POCI (Purchased or Originated Credit Impaired)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,531</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,144</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,565</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Customer guarantees and undrawn balances classified in stage 3</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,306</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,438</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,485</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Gross debt securities issued by non-financial institutions registered under the headings 'financial assets measured at amortized cost' and 'financial assets designated at fair value through other comprehensive income' classified in stage 3</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">839</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">697</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">447</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">POCI exposure (Purchased or Originated Credit Impaired) that is additionally impaired</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">91</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">165</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Doubtful exposure of portfolios at fair value through profit or loss</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9</span></td></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Cost of risk</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">1.14</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">1.12</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">1.13</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Underlying allowances for loan-loss provisions over the last 12 months</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,128</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,822</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,784</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Allowances for loan-loss provisions over the last 12 months</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,596</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,183</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,260</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Adjustments to allowances for loan-loss provisions for activity outside the ordinary course of business</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(468)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(361)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(476)</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Average loans and advances to customers and debt securities issued by non-financial institutions over the last 12 months</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,063,783</span></td><td colspan="3" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,057,100</span></td><td colspan="3" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,043,881</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:6pt;margin-top:30pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"/><td style="width:11.956%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.541%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.541%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.402%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">NPL ratio </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(EUR million and %)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-bottom:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 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:105%">Dec-25</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Dec-24</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Dec-23</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Numerator</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Denominator</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.21</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21,025</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">654,436</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5.32</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td 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style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5.07</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,993</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">216,616</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.75</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,831</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">207,107</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">CIB</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0.72</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,928</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">266,108</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td 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solid #ec0000;padding:2px 0 2px 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:105%">238,187</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.43</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,145</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">220,656</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">252</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">25,692</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.39</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">330</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">23,688</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payments</span></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Spain</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.94&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,915&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">305,156&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.66&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,677&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">288,162&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.04&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,531&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">280,629&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">UK</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.08&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,645&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">244,303&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,299&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">248,061&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.42&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,518&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">247,360&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Portugal</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.99&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">948&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,760&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.27&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,014&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,573&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,024&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,455&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Openbank Europe</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.53&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,642&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">144,039&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,527&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">141,312&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.12&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,877&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">135,608&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.82&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">148,488&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.68&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,012&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">149,907&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.57&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,303&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137,894&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexico</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.65&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,420&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,476&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,352&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49,927&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,489&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">52,785&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazil</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.76&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,010&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">118,546&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,090&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">116,247&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,923&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">126,722&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.73&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,528&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,146&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.37&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,394&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,590&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.01&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,332&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,565&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentina</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.68&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">677&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,813&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.06&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">173&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,411&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.99&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">78&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,903&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Numerator: credit impaired customer loans and advances, guarantees and undrawn balances + debt securities issued by non-financial institutions.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Denominator: total risk.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Payment Solutions' NPL ratio is not provided as we do not consider it a relevant metric for this type of business.</span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">105</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:3pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"/><td style="width:11.956%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.541%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.541%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.402%"/><td style="width:0.1%"/></tr><tr><td colspan="9" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">NPL coverage ratio </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(EUR million and %)</span></div></td><td colspan="3" style="border-bottom:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:1pt;text-align:right"><span><br/></span></div><div style="text-align:justify"><span><br/></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:1pt;text-align:right"><span><br/></span></div><div style="text-align:justify"><span><br/></span></div></td><td colspan="3" style="border-bottom:1pt solid #ec0000;padding:0 1pt"><div style="margin-bottom:1pt;margin-top:1pt;text-align:right"><span><br/></span></div><div style="text-align:justify"><span><br/></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 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:105%">Dec-25</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Dec-24</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Dec-23</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Numerator</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Denominator</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Numerator</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Denominator</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Numerator</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Denominator</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">66</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,104</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,855</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">63</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,984</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,689</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">65</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,744</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21,025</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">71</span><span 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">908</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,928</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">39</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">803</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,058</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">39</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,241</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,145</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wealth</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">71</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">252</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">29</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">97</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">330</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payments</span></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Spain</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,254&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,915&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,041&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,677&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,188&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,531&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">UK</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">860&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,645&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">967&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,299&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,066&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,518&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Portugal</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">770&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">948&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">78&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">792&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,014&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">83&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">849&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,024&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Openbank Europe</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,181&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,642&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">83&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,910&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,527&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,532&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,877&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,934&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,471&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,012&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,265&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,303&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexico</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">105&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,488&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,420&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,358&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,352&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,489&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,489&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazil</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,478&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,010&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">79&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,627&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,090&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">83&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,597&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,923&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,211&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,528&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,196&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,394&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,230&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,332&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentina</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">90&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">607&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">677&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">307&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">173&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">166&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">128&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">78&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Numerator: total allowances to cover impairment losses on customer loans and advances, guarantees and undrawn balances + debt securities issued by non-financial institutions.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Denominator: credit impaired customer loans and advances, guarantees and undrawn balances + debt securities issued by non-financial institutions.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Payment Solutions' coverage ratio is not provided as we do not consider it a relevant metric for this type of business.</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"/><td style="width:11.956%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.541%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.541%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.402%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Cost of risk </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(EUR million and %)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #ec0000;padding:0 1pt"><span style="font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><br/></span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;padding:0 1pt"><span style="font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><br/></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 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:105%">Dec-25</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Dec-24</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Dec-23</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Numerator</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Denominator</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Numerator</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Denominator</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Numerator</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Denominator</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.15</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,150</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,064</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">634,438</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,457</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">212,551</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.16</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,562</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">210,748</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.04</span><span 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">278</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">196,144</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0.08</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">141</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">180,547</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0.08</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">132</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">170,175</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wealth</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0.08</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">23,686</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.08)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(19)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">22,442</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payments</span></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Spain</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.43&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,142&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">263,717&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.50&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,259&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">251,826&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.61&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,522&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">248,723&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">UK</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.07&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">244,442&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.03&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">251,348&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">247&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">251,531&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Portugal</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.02)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,578&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.03&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,676&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,364&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Openbank Europe</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.97&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,363&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">140,504&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.88&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137,165&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.62&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">792&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">128,583&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.62&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,244&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">138,832&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,507&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137,926&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.92&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,593&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">135,191&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexico</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.69&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,239&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,067&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.64&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,277&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,439&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.43&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,135&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,729&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazil</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.17&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,409&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">105,666&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.03&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,487&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">111,362&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.27&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,701&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">110,102&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.32&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">531&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,181&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">497&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,582&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.80&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">365&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,637&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentina</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.34&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">574&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,820&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.59&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">284&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,190&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.64&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">150&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,262&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Numerator: underlying allowances for loan-loss provisions over the last 12 months.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Denominator: average loans and advances to customers + debt securities issued by non-financial institutions over the last 12 months.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Payment Solutions' cost of risk is not provided as we do not consider it a relevant metric for this type of business.</span></div><div style="margin-top:9pt;padding-left:3.97pt;text-indent:-3.97pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">106</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4b1945a19ff24b8dbedd4ea17dadd015"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Other indicators</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:130%">The Group has a series of additional financial metrics which facilitate analysis of the underlying business trends and performance. </span></div><div style="margin-bottom:3pt;margin-top:18pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:15.937%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:40.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:38.902%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Ratio</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Formula</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Relevance of the metric</span></div></td></tr><tr style="height:32pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:2pt;margin-top:2pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">TNAV per share <br/></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(Tangible net asset value per share)</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Tangible book value </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">This is a very commonly used ratio used to measure the company&#8217;s accounting value per share having deducted the intangible assets. It is useful in evaluating the amount each shareholder would receive if the company were to enter into liquidation and had to sell all the company&#8217;s tangible assets.</span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;Number of shares excluding treasury stock</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:26pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Price to tangible book <br/>value per share </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(X)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">&#160;Share price</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">This is one of the most commonly used ratios by market participants for the valuation of listed companies both in absolute terms and relative to other entities. This ratio measures the relationship between the price paid for a company and its accounting equity value.</span></td></tr><tr style="height:26pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">TNAV per share</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:30pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">LTD ratio <br/></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(Loan-to-deposit)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Net loans and advances to customers</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">This is an indicator of the bank's liquidity. It measures the<br/>total loans and advances to customers net of loan-loss provisions as a percentage of customer deposits.</span></td></tr><tr style="height:30pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customer deposits</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loans and advances (excl. reverse repos) </span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Gross loans and advances to customers excluding reverse repos</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">In order to aid analysis of the commercial banking activity, reverse repos are excluded as they are highly volatile treasury products.</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Deposits (excl. repos) </span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Customer deposits excluding repos</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">In order to aid analysis of the commercial banking activity, repos are excluded as they are highly volatile treasury products.</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">PAT + After tax fees (in Wealth Management &amp; Insurance) </span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Net profit + fees ceded by Santander Insurances and Asset Management Solutions to the branch network, net of taxes, excluding Private Banking customers</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Metric to assess Wealth Management &amp; Insurance&#8217;s total contribution to the Group&#8217;s profit.</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.85pt">Tangible book value = Stockholders' equity (excl. minority interests) - intangible assets.</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-top:9pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:65.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.160%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Others </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(EUR million and %)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Dec-25</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Dec-24</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Dec-23</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">TNAV (tangible book value) per share</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">5.76</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">5.24</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">4.76</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tangible book value</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">84,527</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">79,342</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">75,552</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Number of shares excl. treasury stock (million)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,678</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,137</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,886</span></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Price to tangible book value per share (X)</span></td><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">1.75</span></td><td colspan="3" style="padding:2px 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:105%">0.85</span></td><td colspan="3" style="padding:2px 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:105%">0.79</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Share price (euros)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.070</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.465</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.780</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">TNAV (tangible book value) per share</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.76</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.24</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.76</span></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-to-deposit ratio</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">100</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">101</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 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:105%">100</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loans and advances to customers</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,037,288</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,017,160</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,003,465</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer deposits</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,041,200</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,005,605</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,002,669</span></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Dec-25</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Dec-24</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">PAT + After tax fees (in Wealth) (Constant EUR million at average 2025 exchange)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">3,612</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3,007</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit after tax</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,032</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,576</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income net of tax</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,580</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,431</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Dec-24</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Dec-23</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">PAT + After tax fees (in Wealth) (Constant EUR million at average 2024 exchange)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3,127</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2,703</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit after tax</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,624</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,379</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net fee income net of tax</span></td><td colspan="3" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,503</span></td><td colspan="3" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,324</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;margin-top:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">107</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i8142cb9f33534ccaa67f31109d456a86"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">Local currency measures</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">We make use of certain financial measures in local currency to help in the assessment of our ongoing operating performance. These non-IFRS financial measures include the results of operations of our subsidiary banks located outside the eurozone, excluding the impact of foreign exchange. Because changes in foreign currency exchange rates do not have an operating impact on the results, we believe that evaluating their performance on a local currency basis provides an additional and meaningful assessment of performance to both management and the company&#8217;s investors. </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:130%">The Group presents, at both the Group and business unit levels, the real changes in euros in the income statement as well as the changes excluding the exchange rate effect (i.e., 'excluding FX' or 'constant euros'), as it considers the latter facilitates analysis, since it enables business movements to be identified without taking into account the impact of converting each local currency into euros.</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:130%">Said variations, excluding the impact of exchange rate movements, are calculated by converting income statement lines for the different business units comprising the Group into our presentation currency, the euro, applying the average exchange rate for 2025 to all periods contemplated in sections 4.2 and 4.3 and the average exchange rate for 2024 to all periods contemplated in sections 4.4 and 4.5. We use this method for all countries with the exception of Argentina, where we use the exchange rate on the last working day of each period presented, given it is a hyperinflationary economy, to mitigate the distortions caused by the hyperinflation.</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:130%">The Group presents, at both the Group level as well as the business unit level, the changes in euros as well as the changes excluding the exchange rate effect ('excluding FX' or 'constant euros') for loans and advances to customers excluding reverse repurchase agreements (repos) and customer funds (which comprise deposits and mutual funds) excluding repos. Additionally, we present changes in the main balance sheet lines of the Group's countries both in euros as well as the changes excluding the exchange rate effect. As with the income statement, the reason is to facilitate analysis by isolating the changes in the balance sheet that are not caused by converting each local currency into euros. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">These changes excluding the impact of exchange rate movements are calculated by converting the balances, into our presentation currency, the euro, applying the closing exchange rate on the last working day of December 2025 to all periods contemplated in sections 4.2 and 4.3 and the closing exchange rate on the last working day of December 2024 to all periods contemplated in sections 4.4 and 4.5. We use this method to calculate the variations for all countries with the exception of Argentina, where we use the exchange rate on the last working day of each period presented, given it is a hyperinflationary economy, to mitigate the distortions caused by the hyperinflation.</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:130%">In 2023, we applied the official exchange rate for the Argentine peso. However, during 2024, due to the significant divergence between the official Argentine peso exchange rate and other macroeconomic magnitudes, mainly inflation, we applied an alternative exchange rate to 2024 results which reflected the exchange rate observed in transactions ordered between market participants under the prevailing economic conditions, such as the repatriation of dividends from businesses in Argentina. This alternative exchange rate took the dollar </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:130%">contado con liquidaci&#243;n</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> rate (CCL) as a reference, which is the exchange rate resulting from the sale of local bonds denominated in Argentine pesos in US dollars (dual denomination peso/dollar bonds). At the end of 2024, the value of this exchange rate did not significantly differ from other market rates or the official exchange rate. </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:130%">In 2025, we once again began to apply the official exchange rate given that the value of the dollar CCL exchange rate did not significantly differ from other market rates or the official exchange rate following the lifting of currency controls and the removal of restrictions on the purchase of foreign currency for individuals in Argentina. </span></div><div style="margin-bottom:21pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The average and period-end exchange rates for the main currencies in which the Group operates are set out in the table below.</span></div></div></div><div style="margin-bottom:9pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:17.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.421%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exchange rates: 1 euro/currency parity</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Average (income statement)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Period-end (balance sheet)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">US dollar</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.129&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.082&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.081&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.176&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.039&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.105&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pound sterling</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.857&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.846&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.870&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.873&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.829&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.868&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazilian real</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.304&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.809&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.397&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.458&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.427&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.365&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexican peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21.662&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19.723&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19.158&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21.122&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21.554&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.691&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chilean peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,073.108&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,020.473&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">906.417&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,059.750&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,032.560&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">965.192&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Argentine peso </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="background-color:#cecece;border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#cecece;border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#cecece;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,706.383&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,232.389&#160;</span></td><td style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">893.635&#160;</span></td><td style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.85pt">Average exchange rates for the Argentine peso are not included since we use the exchange rate on the last working day of each period presented given it is a hyperinflationary economy. For 2024 data, we applied an alternative exchange rate for the Argentine peso that better reflects the evolution of inflation. We apply the official ARS exchange rate to all other periods.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="padding-left:3.97pt;text-indent:-3.97pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">108</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:24pt"><span id="i06f534be0dcf4e60b2b9e9374adf36b7"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">Impact of inflation on total costs</span></div><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Santander presents, for both the Group and the business units included in the primary and secondary segments: i) the changes in total costs in euros; ii) the changes excluding the exchange rate effect with the exception of Argentina which is calculated as described above; and iii) the changes excluding the exchange rate effect minus the effect of average inflation (i.e. 'in real terms') over the year except for Argentina as Argentina's cost growth in euros should already largely reflect the effect of hyperinflation on exchange rates. The reason is that the two latter facilitate analysis for management purposes.</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:130%">Inflation is calculated as the arithmetic average of the last 12 months for each country and, for the global businesses, as the weighted average of the inflation rate of each country comprising the global business, weighted by each country's total costs in the global business. For the Group and the global businesses, we exclude the impact of inflation in Argentina from the calculation as Argentina's cost growth in euros should already largely reflect the effect of hyperinflation on exchange rates.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The table below shows the average inflation rates calculated as indicated.</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:54.455%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:21.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.123%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">12 month average inflation </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(%)</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Retail </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">3.5</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3.4</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Openbank </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2.6</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2.8</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">CIB </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2.9</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3.2</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Wealth </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2.9</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3.1</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Payments </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 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:105%">3.0</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">4.0</span></td><td colspan="3" style="display:none"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 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:105%">Spain</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.7</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.8</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">UK</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.4</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Portugal</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.4</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Openbank Europe</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.1</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.4</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">US</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.7</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.0</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Mexico</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.8</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.7</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Brazil</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.0</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.4</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Chile</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.2</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.3</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#f6f6f6;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2px 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:105%">3.2</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2px 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:105%">3.3</span></td><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.6pt">Excluding the impact of inflation in Argentina.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">109</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_10446"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:21pt"><span id="i7d46a2a8c8a241b6ae429c2754fb330b"></span><span style="color:#6f7779;font-family:'Santander Headline',sans-serif;font-size:26pt;font-weight:400;line-height:105%">5. Risk management information</span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_709"></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:15pt"><span id="id21a42b58fdc4ab48e27b50299c86c22"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">5.1 Key credit risk metrics</span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.45pt;font-weight:400;line-height:110%;position:relative;top:-4.54pt;vertical-align:baseline">1</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:130%">In 2025, developments in the credit market were shaped by successive interest rate cuts in mature markets and some emerging economies and the start of a new cycle of credit growth. Against this backdrop, demand gradually recovered, with positive growth in the main geographies where we operate.</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:130%">In retail banking, mortgage lending balances began to recover, supported by more favourable financial conditions and lower early repayments. Consumer lending maintained a positive performance during the year, as it is less sensitive to interest rate trends and benefitted from a resilient labour market. In the eurozone, the ECB&#8217;s neutral-to-expansionary monetary policy stance has already fed through to mortgage and consumer portfolios. In the United Kingdom, rate cuts, stable house prices and support measures from the Bank of England drove greater credit activity.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In corporate lending, credit volumes grew in the first part of the year, in line with the expansion phase of the investment cycle. However, developments in US trade policy and geopolitical tensions, together with some weaker activity and external demand indicators, led to some slowdown in the second half of the year, especially in Latin America, where, after a strong first half, signs of moderation started to appear. In the United States, weaker labour market data and greater caution on the economic outlook prompted the Federal Reserve to cut interest rates. This helped sustain credit activity, although in a more prudent lending environment focused on lower-risk segments.</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:130%">Our credit risk remained well diversified, with an appropriate balance between mature and emerging markets: Spain (26%), the United Kingdom (21%), the United States (13%) and Brazil (10%).</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:130%">The distribution of credit risk by global businesses (including gross customer loans, guarantees and documentary credits) is shown below:</span></div></div></div><div style="margin-bottom:9pt;margin-top:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:23.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.758%"/><td style="width:0.1%"/></tr><tr><td colspan="36" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Main credit risk performance metrics from our activity with customers</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit risk with customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><br/>(EUR million)</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Impaired loans</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(EUR million)</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">NPL ratio</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;(%)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"><div><span><br/></span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail &amp; Commercial Banking</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">641,820&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">643,578&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">654,436&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,855&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,689&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,025&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.09</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.21</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.21</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Openbank</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">213,525&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">216,616&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">207,107&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,351&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,993&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,831&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.32</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.07</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.75</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Corporate &amp; Investment Banking</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">266,108&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">238,187&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">220,656&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,928&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,058&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,145&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.72</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.86</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.43</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Wealth Management &amp; Insurance</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,384&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,692&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,688&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">235&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">252&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">330&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.86</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.98</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.39</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,159,180</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,134,418</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,115,288</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">33,739</span><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">34,383</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">34,671</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2.91</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.03</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.11</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:23.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.758%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">NPL Coverage Ratio<br/>(%)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><br/>(EUR million)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Cost of risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"> </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(%)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"><div><span><br/></span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail &amp; Commercial Banking</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">66</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">65</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,150&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,064&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,542&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.15</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.11</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.17</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Openbank</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">74</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,457&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,562&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,106&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.10</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.16</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.04</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Corporate &amp; Investment Banking</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">278&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">141&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">132&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.14</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.08</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.08</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Wealth Management &amp; Insurance</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(19)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.08</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.18</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.08)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">66</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">64</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">66</span></td><td colspan="3" style="border-bottom:0.5pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,128</span><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,822</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,784</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ffffff;border-top:1pt solid #ea6f5d;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1.14</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1.12</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1.13</span></td></tr></table></div><div style="margin-top:3pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Data for 2025, 2024 and 2023 reflects the new reporting structure. Total Group includes the Corporate Centre.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Due to the Cards portfolio integration in the Retail &amp; Commercial business, Payments Solutions represents less than 1% of the total credit risk with customers. In view of the immateriality of the portfolio no further disclosures are considered necessary.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.85pt">Includes credit impaired customer loans and advances, guarantees, impaired undrawn balances and debt securities issued by non-financial institutions</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt">Loan-loss provisions net of post write-off recoveri</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">es (EUR 1,791 million in 2025).</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.89pt">Cost of risk calculated as allowances for loan-loss provisions over the past 12 months / average loans and advances to customers and debt securities issued by non-financial institutions over the last 12 months.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"><tr><td style="width:1.0pt"/><td style="width:16.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:223.00pt"/><td style="width:1.0pt"/></tr><tr style="height:30pt"><td colspan="3" style="padding:0 1pt;vertical-align:top"><div><img src="san-20251231_g60.jpg" alt="MoreInfo2023.jpg" style="height:27px;margin-bottom:5pt;vertical-align:text-bottom;width:13px" id="i-85"/></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">For more details on secondary segments, see </span><span style="color:#767676;font-family:'Santander Text SemiBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%;text-decoration:underline"><a style="color:#767676;font-family:'Santander Text SemiBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%;text-decoration:underline" href="#i284cd3ed0ae54e2589274ec993d73c15_15110">2. 'Main aggregates and variations</a></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;text-decoration:underline"><a style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;text-decoration:underline" href="#i284cd3ed0ae54e2589274ec993d73c15_15110">'</a></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"> in Note 54 to the consolidated financial statements.</span></div></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="border-bottom:0.5pt solid #000000;margin-bottom:5pt;margin-top:10pt;opacity:1;width:198.43pt"></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:115%;position:relative;top:-2.44pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> Certain figures contained in this section have been subject to rounding to enhance their presentation. Accordingly, in certain instances, the sum of the numbers in a column or a row in tables contained in this report may not conform exactly to the total given for that column or row.</span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">110</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">Credit quality during 20</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">25 </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">was as follows:</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:130%">The </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">NPL ratio </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">stood at 2.91% (-12 bps vs. year-end 2024), mainly due to the Group's efforts to reduce its non-performing portfolio, which fell 2% to EUR 33,739 million. Declines in Europe led the improvement, supported by the strong performance of the portfolios and the execution of the NPL reduction plan. Gross customer exposure (total risk) grew 2.2% in the year to EUR 1,159 billion, driven mainly by the positive performance of the CIB business.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Under IFRS 9 requirements, Group </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">net loan-loss provisions </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">(LLPs) in December 2025 totalled EUR 12,128 million, increasing 3% compared to the previous year. The higher LLPs in Corporate &amp; Investment Banking (CIB), Retail &amp; Commercial Banking (mainly driven by normalization in Argentina and the UK) and the Corporate Centre (provisions related to our plan to accelerate NPL ratio reductions) were partially offset by Openbank, where, despite a less favourable performance in Germany, the US and Brazil performed better during the year.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">cost of risk</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> stood at 1.14%, 2 bps above 2024, mainly driven by the aforementioned LLP increase. Nevertheless, it remained in line with our target for the year.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">total NPL coverage ratio</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> increased to 66%, with impairment allowances of EUR 22,358 million. Coverage remained at comfortable levels, considering that more than 65% of the Group&#8217;s portfolio is secured by collateral.</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:130%">Our credit risk management performance within the global businesses at December 2025 was as follows:</span></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"><tr><td style="width:1.0pt"/><td style="width:16.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:223.00pt"/><td style="width:1.0pt"/></tr><tr style="height:30pt"><td colspan="3" style="padding:0 1pt;vertical-align:top"><div><img src="san-20251231_g60.jpg" alt="MoreInfo2023.jpg" style="height:27px;margin-bottom:5pt;vertical-align:text-bottom;width:13px" id="i-86"/></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">For more details on segments, see </span><span style="color:#767676;font-family:'Santander Text SemiBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%;text-decoration:underline"><a style="color:#767676;font-family:'Santander Text SemiBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_562">4.3.1 Description of segments</a></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">.</span></div></td></tr></table></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt;padding-left:7.09pt;padding-right:263.62pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:6.307%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:91.493%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="background-color:#ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:700;line-height:121%">&#160;Retail &amp; Commercial Banking</span></div></td></tr></table></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:130%">The retail portfolio mainly comprises high credit quality mortgage loans, around 90% of which have a loan-to-value (relationship between the loan amount and the appraised value of the collateral) below 80%, and a corporate portfolio where roughly 50% has real estate or other tangible collateral.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"><tr><td style="width:1.0pt"/><td style="width:241.00pt"/><td style="width:1.0pt"/></tr><tr style="height:23pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Portfolio distribution by geography and by performing loans and credit impaired</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">31 December 2025 data</span></td></tr></table></div><div><img src="san-20251231_g61.jpg" alt="4943" style="height:170px;margin-bottom:5pt;vertical-align:text-bottom;width:321px" id="i-87"/></div><div style="margin-bottom:3pt"><img src="san-20251231_g62.jpg" alt="4945" style="height:136px;margin-bottom:5pt;vertical-align:text-bottom;width:321px" id="i-88"/></div><div style="margin-bottom:6pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At December 2025, gross customer credit exposure in Retail was distributed among mortgages (52%), corporates and institutions (25%), SMEs (12%) and other individuals (11%). </span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">NPL ratio</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> fell by 12 bps during the year to 3.09%, supported by the reduction in impaired loans, driven by declines in Europe. Gross customer credit exposure (total risk) remained practically stable during the year.</span></div><div style="margin-bottom:6pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">cost of risk</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> increased 4 bps year-on-year to 1.15%, with LLPs slightly up, mainly driven by normalization in Argentina and the UK, partially offset by declines in Spain (good mortgage portfolio performance, supported by lower interest rates and a resilient labour market), Mexico and Brazil (both reflecting currency depreciation).</span></div><div style="margin-bottom:6pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"> total NPL coverage ratio </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">rose to 66%. Given that Retail includes the mortgage portfolios in Spain and the United Kingdom, which are backed by high-quality collateral, we consider coverage levels appropriate for the portfolio&#8217;s risk profile.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">111</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:6.307%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:91.493%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="background-color:#990000;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#9e3667;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:700;line-height:121%">&#160;Openbank</span></td></tr></table></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:130%">This business comprises all business originated by consumer finance companies, plus our digital bank (formerly Openbank), Open Digital Services (ODS) and SBNA Consumer. The portfolio mainly consists of vehicle finance loans, which account for close to 80% of the portfolio and are originated through strategic partnerships with car manufacturers, as well as leasing and personal loans.</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"><tr><td style="width:1.0pt"/><td style="width:241.00pt"/><td style="width:1.0pt"/></tr><tr style="height:23pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Portfolio distribution by geography and by performing loans and credit impaired</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">31 December 2025 data</span></div></td></tr></table><img src="san-20251231_g63.jpg" alt="6578" style="height:151px;margin-bottom:5pt;vertical-align:text-bottom;width:321px" id="i-89"/><img src="san-20251231_g64.jpg" alt="6579" style="height:136px;margin-bottom:5pt;vertical-align:text-bottom;width:321px" id="i-90"/></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">NPL ratio</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> at year-end 2025 stood at 5.32%, 24 bps higher than in the same period in 2024, due to: (i) higher impaired loans, mainly in Germany (due to the macroeconomic environment and the credit quality deterioration of the corporates portfolio), Brazil and Argentina; (ii) decrease in gross customer exposure (total risk), linked to lower auto lending and t</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">o asset rotation initiatives</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> in the US.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Net loan-loss provisions</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> declined 2.3% year-on-year, mainly driven by better performance in the US and Brazil, with both benefiting from FX movements.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">cost of risk</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> fell by 7 bps versus December 2024, to 2.10%, mainly due to a decline in provisions in the US (-13%), driven</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> by resilient consumer behaviour, used car prices stable at high levels, capital relief measures.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">total</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">NPL coverage ratio </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">at year-end 2025 stood at 71%, which we consider comfortable, given the positive impact of vehicle price trends and the higher share of secured loans in the portfolio, mainly in the US.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt;padding-left:7.09pt;padding-right:263.62pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:6.307%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:91.493%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="background-color:#14868d;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#14868d;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:700;line-height:121%">&#160;Corporate &amp; Investment Banking</span></div></td></tr></table></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:130%">Corporate &amp; Investment Banking is a wholesale business in which over 83% of our customers have a credit rating higher than 'investment grade'. It&#8217;s a business with a strong component of advisory services and high value added solutions.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"><tr><td style="width:1.0pt"/><td style="width:241.00pt"/><td style="width:1.0pt"/></tr><tr style="height:23pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Portfolio distribution by geography and by performing loans and credit impaired</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">31 December 2025 data</span></div></td></tr></table></div><div><img src="san-20251231_g65.jpg" alt="7813" style="height:151px;margin-bottom:5pt;vertical-align:text-bottom;width:321px" id="i-91"/></div><div style="margin-bottom:15pt"><img src="san-20251231_g66.jpg" alt="7815" style="height:136px;margin-bottom:5pt;vertical-align:text-bottom;width:321px" id="i-92"/></div><div style="margin-bottom:6pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">During the year, CIB showed a strong ability to deliver profitable growth and maintain solid credit quality in a complex environment, while keeping its strategic focus on geographic and client diversification and on offering higher value-added products. By business line, growth was recorded across all lines (Global Markets, Global Banking and Global Transaction Banking).</span></div><div style="margin-bottom:6pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">NPL ratio</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> improved by 14 bps in the year, to 0.72%, backed by a reduction in impaired loans of c. -EUR 130 million year-on-year across a range of clients and geographies, mainly in Europe and South America. In addition, gross customer credit exposure (total risk) increased by 12% year-on-year, mainly in the US and Spain, and to a lesser extent Mexico.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Net loan-loss provisions</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> rose to EUR 278 million, reflecting the performance of the business in Brazil in a more challenging macroeconomic environment, higher coverage for already impaired customers and portfolio growth in the US.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">cost of risk</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> increased by 6 bps versus December 2024 to 0.14% as portfolio growth did not offset the increase in provisions.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">total NPL coverage ratio</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> reached 47%, up 8 pp versus December 2024 with higher provisions in a more challenging economic and geopolitical environment.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">112</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2025, CIB continued to strengthen the control environment amid portfolio growth and heightened regulatory and supervisory scrutiny, leveraging new technologies. Key initiatives included reinforcing the risk infrastructure &#8212;including organisation and governance, with a particular focus on the United States&#8212;upgrading credit risk systems and models, defining more robust frameworks in specific areas, and strengthening preventive risk management capabilities.</span></div><div style="margin-bottom:6pt;margin-top:15pt;padding-left:7.09pt;padding-right:263.62pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:6.307%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:91.493%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="background-color:#1e414c;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#1e414c;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:700;line-height:121%">&#160;Wealth Management &amp; Insurance</span></td></tr></table></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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 brings together the insurance business and liquid and illiquid asset management activities and also includes the investment platforms and holdings that complement the traditional Wealth business.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"><tr><td style="width:1.0pt"/><td style="width:241.00pt"/><td style="width:1.0pt"/></tr><tr style="height:23pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Portfolio distribution by geography and by performing loans and credit impaired</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">31 December 2025 data</span></div></td></tr></table></div><div><img src="san-20251231_g67.jpg" alt="9964" style="height:151px;margin-bottom:5pt;vertical-align:text-bottom;width:321px" id="i-93"/></div><div style="margin-bottom:9pt"><img src="san-20251231_g68.jpg" alt="9966" style="height:136px;margin-bottom:5pt;vertical-align:text-bottom;width:321px" id="i-94"/></div><div style="margin-bottom:6pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">NPL ratio</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> closed at 0.86%, down 12 bps in the year, supported by an increase in gross customer exposure during the period (+7%), with a particular focus on the Middle East portfolio and the roll-out of secured lending in all core geographies, while impaired loans fell 7% year-on-year.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Net loan-loss provisions</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> in 2025 totalled EUR 20 million, compared with EUR 42 million at year-end 2024.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">cost of risk</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> decreased by 10 bps in the year to 0.08%, driven by lower provisions and by portfolio growth, with a focus on collateral-backed loans.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">total NPL coverage ratio</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> rose to 71%, remaining at a comfortable level given the high share of the collateral-backed loan portfolio.</span></div><div style="margin-bottom:8pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt;padding-left:7.09pt;padding-right:263.62pt;text-indent:-7.09pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">113</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:3pt;margin-top:9pt;padding-right:263.62pt;text-align:justify"><span id="i8fec3001c8cc442fb8441e9ea501223a"></span><span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Reconciliation of key figures</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Santander&#8217;s 2025 consolidated financial statements disclose loans and advances to customers before and after loan-loss reserves. Credit risk with customers also includes off-balance sheet risk or contingent liabilities. This table shows the relationship between those concepts:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div><span><br/></span></div><div style="margin-bottom:3pt;padding-left:14.17pt;text-indent:-14.18pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:504.00pt"><tr><td style="width:1.0pt"/><td style="width:82.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:13.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:73.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:13.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:73.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:13.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:72.25pt"/><td style="width:1.0pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0pt"/><td style="width:13.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:58.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:13.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:58.00pt"/><td style="width:1.0pt"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="background-color:#0095a8;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Gross credit risk with customers</span><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:121%;position:relative;top:-3.15pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="background-color:#0095a8;padding:0 1pt"/><td colspan="3" style="background-color:#0095a8;padding:0 1pt"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="background-color:#0095a8;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">1,159,180</span></td><td colspan="3" style="background-color:#0095a8;padding:0 1pt"/><td colspan="3" style="background-color:#0095a8;padding:0 1pt"/></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:24pt"><td colspan="3" style="background-color:#0095a8;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:121%">Gross credit risk with customers</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:400;line-height:121%">=</span></td><td colspan="15" style="background-color:#0095a8;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">Gross loans and advances to customers &amp; others</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:400;line-height:121%">+</span></td><td colspan="3" style="background-color:#0095a8;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">Contingent liabilities</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:400;line-height:121%">+</span></td><td colspan="3" style="background-color:#0095a8;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">Debt securities</span></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#0095a8;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">1,159,180</span></td><td colspan="15" style="background-color:#0095a8;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">1,058,447</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#0095a8;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">80,056</span></td><td colspan="3" style="background-color:#0095a8;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">20,677</span></td></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr style="height:41pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:121%">Loans and advances to customers (Gross)</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:400;line-height:121%">=</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:121%">Financial assets measured at&#160;amortized cost (Gross)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:121%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:400;line-height:121%">+</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:121%">Financial assets held for trading</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:121%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:400;line-height:121%">+</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:121%">Financial assets at fair value (Gross)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:121%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:14pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">1,058,447</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">1,006,253</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">32,766</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">19,428</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:26pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:121%">Loan-loss reserves</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:400;line-height:121%">=</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:121%">Loan-loss</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:121%">reserves</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:400;line-height:121%">+</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:121%">Loan-loss</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:121%">reserves</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:14pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">(21,158)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">(21,077)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">(81)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:32pt"><td colspan="3" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:121%">Net loans and advances to customers</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:400;line-height:121%">=</span></td><td colspan="3" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:121%">Net financial assets</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:121%">measured at amortized cost</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:400;line-height:121%">+</span></td><td colspan="3" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:121%">Financial assets</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:121%">held for trading</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:400;line-height:121%">+</span></td><td colspan="3" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:121%">Net financial assets at fair value</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:14pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">1,037,288</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">985,176</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">32,766</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">19,346</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:121%">Net loans and advances to customers</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="background-color:#ebebeb;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">1,037,288</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:3pt;padding-left:14.17pt;text-indent:-14.18pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:8.25pt"><tr><td style="width:1.0pt"/><td style="width:6.25pt"/><td style="width:1.0pt"/></tr><tr style="height:8pt"><td colspan="3" style="background-color:#0095a8;padding:0 1pt"/></tr></table><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%"> 5.1. Credit risk   </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:8.25pt"><tr><td style="width:1.0pt"/><td style="width:6.25pt"/><td style="width:1.0pt"/></tr><tr style="height:8pt"><td colspan="3" style="background-color:#cecece;padding:0 1pt"/></tr></table><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%"> Balance sheet item from consolidated financial statement</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. Includes gross loans and advances to customers, guarantees, impaired undrawn customer balances and dept securities</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> i</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">ssued by non-financial institutions.</span></div><div style="margin-bottom:21pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Before loan-loss allowances.</span></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span id="i8538caa4ebf24cc8bb2fa49151e3245c"></span><span style="background-color:#ffffff;color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:112%">Financial asset impairment</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">IFRS 9 introduced a substantial change in the approach to calculating impairment provisions for credit risk exposures, moving from an incurred loss model to an expected loss model. Under this new approach, provisions are recognised from the moment a transaction is originated, since credit risk exists from that moment and not only when defaults occur.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This change required a review of the models and methodologies used to estimate expected loss for customers and portfolios, incorporating the expected evolution of the economy and the residual life of different transactions.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The methodology to quantify expected credit losses &#8211; and therefore impairment provisions &#8211; is based on an unbiased, probability-weighted estimate of up to five future macroeconomic scenarios that could affect the ability to collect contractual cash flows. These scenarios take into account the time value of money, relevant information about past events, current conditions and projections of significant macroeconomic factors, such as GDP, house prices, unemployment rate and interest rates, among others.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The parameters used by the Group to calculate impairment provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> (mainly EAD</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, PD</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, LGD</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> and discount rate) </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">build on our internal model infrastructure and the experience gained in regulatory and management environments. However, rather than simply adapting existing models, these parameters are specifically designed, updated and validated to comply with IFRS 9 requirements.</span></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"><tr><td style="width:1.0pt"/><td style="width:16.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:223.00pt"/><td style="width:1.0pt"/></tr><tr style="height:36pt"><td colspan="3" style="padding:0 1pt;vertical-align:top"><div><img src="san-20251231_g60.jpg" alt="MoreInfo2023.jpg" style="height:27px;margin-bottom:5pt;vertical-align:text-bottom;width:13px" id="i-95"/></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">For more details on financial asset impairment and the calculation of provisions under IFRS 9, see </span><span style="color:#767676;font-family:'Santander Text SemiBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%;text-decoration:underline"><a style="color:#767676;font-family:'Santander Text SemiBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1159">'2.&#160;Main aggregates and variations</a></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;text-decoration:underline"><a style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1159">'</a></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"> in Note 54 to the consolidated financial statements.</span></div></td></tr></table></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">IFRS 9 classifies transactions based on how credit risk has evolved since origination to the analysis date, so we can determine both their accounting treatment and pricing. Transactions with different probabilities of default must carry different interest rates or margins that cover their expected loss.</span></div></div></div><div style="border-bottom:0.5pt solid #000000;margin-bottom:5pt;margin-top:10pt;opacity:1;width:198.43pt"></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:115%;position:relative;top:-2.44pt;vertical-align:baseline">2</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> Exposure at Default.</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:115%;position:relative;top:-2.44pt;vertical-align:baseline">3</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> Probability of Default.</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:115%;position:relative;top:-2.44pt;vertical-align:baseline">4</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> Loss Given Default.</span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">114</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">If a transaction has undergone a significant increase in credit risk since origination, the interest rate initially applied no longer covers its potential risk, so it requires a higher level of provisions. Under the standard, transactions fall into three groups or stages</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Stage 1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> includes assets whose current credit risk has not increased relative to origination or initial recognition. Provisions are calculated to cover expected credit losses from possible defaults over the next 12 months.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Stage 2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> includes assets that have not yet incurred credit losses but have shown a significant increase in credit risk since origination or initial recognition. Impairment provisions must cover potential loss over the lifetime of the exposure, during which losses may materialise.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Stage 3 </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">includes assets where there is evidence of credit deterioration that will eventually materialise as credit losses. Provisions must cover potential loss over the lifetime of the exposure.</span></div></div></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="ib152e19aac3d4bd9a3b45f851debfe32"></span><span style="color:#cc0000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:110%">IFRS 9: Classification of exposures by credit quality and expected credit loss horizons</span></div><div style="margin-bottom:21pt;padding-right:263.62pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:498.75pt"><tr><td style="width:1.0pt"/><td style="width:43.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:16.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:6.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:109.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:7.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:109.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:7.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:109.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:6.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:16.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:43.75pt"/><td style="width:1.0pt"/></tr><tr style="height:9pt"><td colspan="3" rowspan="5" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:400;line-height:80%">.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:28pt;font-weight:400;line-height:80%">+</span><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:400;line-height:80%">.</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:400;line-height:121%">Credit quality</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="5" style="background-color:#0095a8;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:700;line-height:121%">Stage 1</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="5" style="background-color:#89d8dc;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:700;line-height:121%">Stage 2</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="5" style="background-color:#cdecee;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:700;line-height:121%">Stage 3</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="5" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:400;line-height:80%">.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:28pt;font-weight:400;line-height:80%">-</span><span style="color:#ffffff;font-family:'Santander Text',sans-serif;font-size:11pt;font-weight:400;line-height:80%">.</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:400;line-height:121%">Credit quality</span></div></td></tr><tr style="height:6pt"><td colspan="3" rowspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#dfdfdf;font-family:'Wingdings 3',sans-serif;font-size:24pt;font-weight:400;line-height:121%">|</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#dfdfdf;font-family:'Wingdings 3',sans-serif;font-size:24pt;font-weight:400;line-height:121%">}</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#dfdfdf;padding:0 1pt"/><td colspan="3" style="background-color:#dfdfdf;padding:0 1pt"/><td colspan="3" style="background-color:#dfdfdf;padding:0 1pt"/><td colspan="3" style="background-color:#dfdfdf;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:8pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:50pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">Performing credit assets with no significant credit risk increase since initial recognition</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">Credit assets that have experienced a significant credit risk increase since initial recognition</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">Impaired credit assets </span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0095a8;font-family:'Wingdings 3',sans-serif;font-size:24pt;font-weight:400;line-height:121%">&#196;</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#89d8dc;font-family:'Wingdings 3',sans-serif;font-size:24pt;font-weight:400;line-height:121%">&#196;</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#cdecee;font-family:'Wingdings 3',sans-serif;font-size:24pt;font-weight:400;line-height:121%">&#196;</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:29pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">Expected losses 12 months</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%">Expected losses over residual life (Lifetime)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, impairment provisions include expected credit losses over the expected remaining lifetime of those financial instruments originated or purchased credit-impaired (POCI).</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:130%">The following table shows credit risk exposure by stage and geography:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:28.220%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.109%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.655%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure by stage and geography</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">A, B</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million. 31 December 2025 data</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Stage&#160;1</span></td><td colspan="3" style="padding:2px 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:105%">Stage&#160;2</span></td><td colspan="3" style="padding:2px 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:105%">Stage&#160;3</span></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">283,825</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,416</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,915</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">305,156</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">UK</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">221,869</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,789</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,645</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">244,303</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Portugal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,931</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,881</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">948</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,760</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Openbank Europe</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">131,724</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,673</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,642</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">144,039</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">127,680</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,658</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,150</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">148,488</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexico</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,936</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,120</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,420</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,476</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazil</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">95,882</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,654</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,010</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">118,546</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chile</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37,560</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,058</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,528</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,146</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentina</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,711</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,425</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">677</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,813</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,038,698</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">86,743</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">33,739</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,159,180</span></td></tr></table></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Data for 2025 reflects the new reporting structure.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. </span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Includes credit impaired customer loans and advances, guarantees, impaired undrawn balances and debt securities issued by non-financial institutions</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">, temporary purchases of stage 1 assets and risk not subject to impairment.</span></div><div style="margin-bottom:12pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Total Group includes the Corporate Centre.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">Stage 3 financial assets (showing impairment) performed as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:47.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.183%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.183%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.186%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">2023 - 2025 Impaired credit assets</span></div></td></tr><tr><td colspan="12" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Start of period</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">34,383</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">34,671</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">33,788</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net entries</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,697</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,918</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,442</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perimeter</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(59)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">FX and others</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,075)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,073)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">126</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-off</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,266)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,150)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,626)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">End of period</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">33,739</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">34,383</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">34,671</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Data for 2025, 2024 and 2023 reflects the new reporting structure.</span></div><div style="margin-bottom:3pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">The following table shows the calculation of IFRS 9 loan loss reserves for assets subject to credit risk:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:50.134%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.950%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">2023 - 2025 loan-loss reserves</span></div></td></tr><tr><td colspan="12" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Start of period</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">22,155</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">22,734</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">22,692</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Stage 1 and 2</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,536</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,754</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,055</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,619</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,980</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,637</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gross provision for impaired assets and write-downs</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,919</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,341</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,316</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provision for other assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">FX and other</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(450)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(852)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">297</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-off</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,266)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,150)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,626)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">End of period</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">22,358</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">22,155</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">22,734</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Stage 1 and 2</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,271</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,536</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,754</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,087</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,619</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,980</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Data for 2025, 2024 and 2023 reflects the new reporting structure.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. Includes off-balance.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">115</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.676%"><tr><td style="width:1.0%"/><td style="width:2.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.436%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.589%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.696%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.391%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.418%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:27pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> </a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">1. Certain</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> recast</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915"> financial information</a></span></div><div><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%">l</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Con</a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">solidated </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">recast </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">financial </a><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="idac13ee5d07644ab979f0364f5e68142"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">Forbearance</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Our forbearance policy incorporates the regulatory requirements set out in the EBA Guidelines on the management of non-performing exposures and forbearance. The policy serves as a reference for implementation in our subsidiaries and reflects applicable supervisory expectations.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">It sets the criteria to identify, classify and monitor these transactions, with the aim of applying maximum diligence in their granting and control. Forbearance solutions must aim to recover the amounts due, aligning payment obligations with the customer&#8217;s current situation.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Forborne transactions must remain in the appropriate classification for a suitable period in order to capture the associated risk and confirm a reasonable recovery of repayment capacity. Under no circumstances should forbearance be used to delay the immediate recognition of losses or to mask non-payment risk.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The stock of forborne exposures continued to decline from EUR 26,223 million to EUR 25,235 million as of 31 December 2025, supported by good repayment performance in our main geographies, which offset higher activity in other regions. In credit quality terms, 53% of the portfolio is classified as non-performing, with a coverage ratio of 41%.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:43.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.420%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Key forbearance figures</span></td></tr><tr><td colspan="12" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Performing</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,901</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,955</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,455</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit impaired</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,334</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,268</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,695</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total forborne</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">25,235</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">26,223</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31,150</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% Total coverage</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">26</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="background-color:#f6f6f6;color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">27</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">25</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr></table></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Data for 2025, 2024 and 2023 reflects the new reporting structure.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. Total forbearance portfolio loan-loss allowances/total forborne portfolio.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">116</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:2.307%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.318%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.751%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.725%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.318%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.751%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.614%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.318%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.640%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.318%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.403%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section1. Certain recast financial information</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Consolidated recast financial statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><a style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-top:18pt"><span id="i468caf545fd74554bafdbe1ccbb4d1ea"></span><span style="color:#ee2724;font-family:'Santander Headline',sans-serif;font-size:48pt;font-weight:700;line-height:90%">Section 2</span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:6pt;margin-top:24pt"><span><br/></span></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="ia8a467f004bc44f196ed34229be963e2"></span><span style="color:#ee2724;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">Consolidated financial statements for the three years ended 31 December 2025, recast as a result of certain changes to the presentation of the Group&#8217;s financial information.</span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">117</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_802"></div><hr style="page-break-after:always"/><div style="min-height:51.02pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-96"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:102pt"><span><br/></span></div><div><img src="san-20251231_g70.jpg" alt="7.InfoAuditoriayCuentas_ENG.jpg" style="height:596px;margin-bottom:5pt;vertical-align:text-bottom;width:793px" id="i-97"/></div><div style="margin-top:18pt"><span id="i77055e79352847fa920abfe175410a07"></span><span style="color:#ffffff;font-family:'Santander Headline',sans-serif;font-size:6pt;font-weight:700;line-height:90%">Auditor's report and&#160;consolidated financial statements</span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">118</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_805"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-98"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:12pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:100%">A<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:100%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">uditor's report</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:100%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">120</a></span></div><div style="margin-bottom:3pt;margin-top:12pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statements</a>&#160;&#160;&#160;&#160;512</span></div><div style="margin-bottom:3pt;padding-left:8.5pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_823">Consolidated balance sheets as of 31 December </a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_823"><br/></a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_823">2025, 2024 and 2023</a>&#160;&#160;&#160;&#160;513</span></div><div style="margin-bottom:3pt;padding-left:8.5pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_826">Consolidated income statements for the years </a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_826"><br/></a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_826">ended 31 December 2025, 2024 and 2023</a>&#160;&#160;&#160;&#160;517</span></div><div style="margin-bottom:3pt;padding-left:8.5pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_829">Consolidated statements of recognised income and expense for the years ended 31 December </a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_829"><br/></a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_829">2025, 2024 and 2023</a>&#160;&#160;&#160;&#160;519</span></div><div style="margin-bottom:3pt;padding-left:8.5pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_832">Consolidated statements of changes in total equity for the years ended 31 December 2025, 2024 and 2023</a>&#160;&#160;&#160;&#160;520</span></div><div style="margin-bottom:3pt;padding-left:8.5pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_835">Consolidated statements of cash flows for the years</a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_835"><br/></a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_835">ended 31 December 2025, 2024 and 2023</a>&#160;&#160;&#160;&#160;526</span></div><div style="margin-bottom:3pt;margin-top:12pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statements</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">139</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_841">1.</a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_841">&#160;&#160;&#160;&#160;</a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_841">Introduction, basis of presentation of the </a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_841"><br/></a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_841">consolidated financial statements (consolidated </a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_841"><br/></a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_841">annual accounts) and other information</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_841">140</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_862">2.</a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_862">&#160;&#160;&#160;&#160;</a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_862">Accounting policies</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_862">145</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_883">3.</a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_883">&#160;&#160;&#160;&#160;</a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_883">Grupo Santander</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_883">171</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_901">4.</a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_901">&#160;&#160;&#160;&#160;</a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_901">Distribution of Banco Santander&#8217;s profit, shareholder </a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_901"><br/></a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_901">remuneration scheme and earnings per share</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_901">174</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_904">5.</a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_904">&#160;&#160;&#160;&#160;</a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_904">Remuneration and other benefits paid to the Bank&#8217;s </a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_904"><br/></a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_904">directors and senior managers</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_904">176</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_922">6.</a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_922">&#160;&#160;&#160;&#160;</a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_922">Loans and advances to central banks and credit </a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_922"><br/></a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_922">institutions</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_922">189</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_925">7.</a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_925">&#160;&#160;&#160;&#160;</a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_925">Debt securities</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_925">190</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_928">8.</a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_928">&#160;&#160;&#160;&#160;</a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_928">Equity instruments</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_928">192</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_937">9.</a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_937">&#160;&#160;&#160;&#160;</a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_937">Trading derivatives (assets and liabilities) and&#160;short&#160;positions</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_937">193</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_940">10. Loans and advances to customers</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_940">193</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_943">11. Trading derivatives</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_943">199</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_946">12. Non-current assets</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_946">199</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_949">13. Investments</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_949">200</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_952">14. Insurance contracts linked to pensions</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_952">202</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_955">15. Liabilities under insurance contracts</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_955">203</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_958">16. Tangible assets</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_958">204</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_961">17. Intangible assets - Goodwill</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_961">207</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_964">18. Intangible assets - Other intangible assets</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_964">209</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_970">19. Other assets</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_970">210</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_973">20. Deposits from central banks and credit institutions</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_973">211</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_976">21. Customer deposits</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_976">211</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_979">22. Marketable debt securities</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_979">212</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_982">23. Subordinated liabilities</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_982">215</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_988">24. Other financial liabilities</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_988">219</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_991">25. Provisions</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_991">219</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1003">26. Other liabilities</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1003">234</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1006">27. Tax matters</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1006">235</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1021">28. Non-controlling interests</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1021">242</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1030">29. Other comprehensive income</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1030">243</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1033">30. Shareholders' equity</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1033">249</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1036">31. Issued capital</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1036">249</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1039">32. Share premium</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1039">250</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1042">33. Accumulated retained earnings</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1042">251</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1045">34. Other equity instruments and own shares</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1045">252</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1048">35. Memorandum items</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1048">253</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1051">36. Hedging derivatives</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1051">253</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1057">37. Discontinued operations</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1057">276</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1060">38. Interest income</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1060">277</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1063">39. Interest expense</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1063">277</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1066">40. Dividend income</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1066">277</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1069">41. Commission income</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1069">277</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1072">42. Commission expense</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1072">278</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1075">43. Gains or losses on financial assets and liabilities</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1075">278</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1078">44. Exchange differences, net</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1078">279</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1081">45. Other operating income and expenses</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1081">279</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1084">46. Staff costs</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1084">279</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1099">47. Other general administrative expenses</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1099">285</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1111">48. Gains or losses on non financial assets, net</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1111">287</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1114">49. Gains or losses on non-current assets held for </a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1114"><br/></a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1114">sale not classified as discontinued operations</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1114">287</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1117">50. Fair value of financial instruments</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1117">287</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1120">51. Other disclosures</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1120">303</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1126">52. Primary and secondary segments reporting</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1126">316</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1135">53. Related parties</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1135">331</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1138">54. Risk management</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1138">334</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1195">55. Additional disclosures</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1195">367</a></span></div><div style="margin-bottom:3pt;margin-top:12pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendix</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">372</a></span></div><div style="margin-bottom:3pt;padding-left:8.5pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1207">Appendix I. Subsidiaries of Banco Santander, S.A.</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1207">373</a></span></div><div style="margin-bottom:3pt;padding-left:8.5pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1225">Appendix II. Societies of which the Group owns more </a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1225"><br/></a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1225">than 5%, entities associated with Grupo Santander </a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1225"><br/></a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1225">and jointly controlled entities</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1225">396</a></span></div><div style="margin-bottom:3pt;padding-left:8.5pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1231">Appendix III. Issuing subsidiaries of shares and </a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1231"><br/></a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1231">preference shares</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1231">403</a></span></div><div style="margin-bottom:3pt;padding-left:8.5pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1234">Appendix IV. Notifications of acquisitions and </a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1234"><br/></a><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1234">disposals of investments in 2025</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1234">404</a></span></div><div style="margin-bottom:3pt;padding-left:8.5pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1237">Appendix V. Other information on the Group&#8217;s banks</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1237">405</a></span></div><div style="margin-bottom:3pt;padding-left:8.5pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%"><a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1240">Appendix VI. Annual banking report</a>&#160;&#160;&#160;&#160;<a style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1240">412</a></span></div><div style="margin-bottom:3pt;padding-left:22.68pt;text-indent:-14.17pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">119</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808"></div><hr style="page-break-after:always"/><div style="min-height:51.02pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-99"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:102pt"><span><br/></span></div><div><span><br/></span></div><div style="margin-top:18pt;text-align:center"><img src="san-20251231_g71.jpg" alt="8.InfoAuditoria_ENG.jpg" style="height:615px;margin-bottom:5pt;vertical-align:text-bottom;width:793px" id="i-100"/></div><div style="margin-top:18pt"><span id="i9c322bfb0ef048359cef2110585074e7"></span><span style="color:#ffffff;font-family:'Santander Headline',sans-serif;font-size:6pt;font-weight:700;line-height:90%">Auditor's report</span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">120</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_817"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-101"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="i97ec47ca16f94374a6ba131b2b5dd867"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">To the Board of Directors and Shareholders of Banco Santander, S.A.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:112%">Opinions on the Financial Statements and Internal Control over Financial Reporting</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:112%"> </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">We have audited the accompanying consolidated balance sheets of Banco Santander, S.A. and its subsidiaries (the &#8220;Company&#8221;) as of December 31, 2025, 2024 and 2023, and the related consolidated income statements, statements of recognised income and expense, statements of changes in total equity and statements of cash flows for each of the three years in the period ended December 31, 2025, including the related notes (collectively referred to as the &#8220;consolidated financial statements&#8221;). We also have audited the Company&#8217;s internal control over financial reporting as of December 31, 2025, based on criteria established in Internal Control - Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO). </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of the Company as of December 31, 2025, 2024 and 2023, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2025 in conformity with International Financial Reporting Standards as issued by the International Accounting Standards Board. Also in our opinion, the Company maintained, in all material respects, effective internal control over financial reporting as of December 31, 2025, based on criteria established in Internal Control - Integrated Framework (2013) issued by the COSO. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:112%">Basis for Opinions</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:112%"> </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">The Company&#8217;s management is responsible for these consolidated financial statements, for maintaining effective internal control over financial reporting, and for its assessment of the effectiveness of internal control over financial reporting, included in Management&#8217;s Report on Internal Control over Financial Reporting (not presented herein) appearing under Item 15 of the Company&#8217;s 2025 Annual Report on Form 20-F. Our responsibility is to express opinions on the Company&#8217;s consolidated financial statements and on the Company&#8217;s internal control over financial reporting based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audits to obtain reasonable assurance about whether the consolidated financial statements are free of material misstatement, whether due to error or fraud, and whether effective internal control over financial reporting was maintained in all material respects.   </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">Our audits of the consolidated financial statements included performing procedures to assess the risks of material misstatement of the consolidated financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the consolidated financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the consolidated financial statements. Our audit of internal control over financial reporting included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, and testing and </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">evaluating the design and operating effectiveness of internal control based on the assessed risk. Our audits also included performing such other procedures as we considered necessary in the circumstances. We believe that our audits provide a reasonable basis for our opinions.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:112%">Definition and Limitations of Internal Control over Financial Reporting</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">A company&#8217;s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company&#8217;s internal control over financial reporting includes those policies and procedures that (i) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; (ii) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with authorizations of management and directors of the company; and (iii) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company&#8217;s assets that could have a material effect on the financial statements.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:112%">Critical Audit Matters</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">The critical audit matters communicated below are matters arising from the current period audit of the consolidated financial statements that were communicated or required to be communicated to the audit committee and that (i) relate to accounts or disclosures that are material to the consolidated financial statements and (ii) involved our especially challenging, subjective, or complex judgments. The communication of critical audit matters does not alter in any way our opinion on the consolidated financial statements, taken as a whole, and we are not, by communicating the critical audit matters below, providing separate opinions on the critical audit matters or on the accounts or disclosures to which they relate.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:112%">Estimation of impairment of financial assets at amortized cost&#8211; loans and advances to customers</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:112%"> </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">As described in Notes 2,10 and 54 to the consolidated financial statements, the Company&#8217;s financial assets at amortized cost &#8211; loans and advances to customers - were EUR 985,176 million as of December 31, 2025, and its estimation of impairment of financial assets at amortized cost &#8211; loans and advances to customers &#8211; was EUR 12,517 million for the year ended December 31, 2025. The Company assesses impairment by estimating the expected credit losses based on the stage in which each financial asset is classified. Management&#8217;s assessment of expected credit losses considers instruments with similar credit risk characteristics that are indicative of debtors&#8217; capacity to pay. The methodology required to estimate the expected credit losses due to credit events is based on the estimation of credit risk parameters (probability of default and loss given default) with an unbiased and weighted consideration by the probability of occurrence of a series of scenarios. The estimation of expected credit losses requires expert judgment and the support of historical, current and future information, including considering management overlays, if applicable. The probability of </span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">121</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-102"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">loss is measured considering past events, the present situation and future trends of macroeconomic scenarios.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">The principal considerations for our determination that performing procedures relating to the estimation of the impairment of financial assets at amortized cost &#8211; loans and advances to customers is a critical audit matter are (i) the significant judgment by management in determining the  assessment of the expected credit losses; (ii) a high degree of auditor judgment, subjectivity and effort in performing procedures relating to the models and assumptions used to determine the expected credit losses; and (iii) the audit effort involved the use of professionals with specialized skill and knowledge.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">Addressing the matter involved performing procedures and evaluating audit evidence in connection with forming our overall opinion on the consolidated financial statements. These procedures included testing the effectiveness of controls relating to management&#8217;s expected credit loss estimation process, which included controls over the data, models and assumptions used in the estimation process, including management overlays to the models, if applicable. These procedures also included, among others, (i) evaluating, on a test basis, expected credit loss models parameters with respect to the estimation criteria and calculation,  the appropriateness of the methodology used for the generation of the macroeconomic scenarios, the reliability of the data sources and the completeness and accuracy of data provided by management, and the reasonableness of management&#8217;s criteria for significant increase in credit risk and loan classification by stages; (ii) testing the mathematical accuracy of the impairment calculation for the credit portfolios; (iii) evaluating the reasonableness of the management overlays to the models, if applicable; (iv) evaluating a sample of individual credit files to determine the reasonableness of management&#8217;s classification, expected loss estimation methodologies and, where appropriate, corresponding impairment, and (v) evaluating the loan collateral assignment and valuation process, including collateral recovery process. Professionals with specialized skill and knowledge were used to assist in evaluating the appropriateness of the models used by management and evaluating the reasonableness of assumptions used in the impairment estimation for the credit portfolios.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:112%">Goodwill Impairment Assessment of Certain Cash Generating Unit (CGU)</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">As described in Notes 2 and 17 to the consolidated financial statements, the Company&#8217;s consolidated goodwill balance was EUR 11,958 million as of December 31, 2025, which includes the goodwill balance of the Santander US Auto CGU of EUR 943 million. Management assesses goodwill for impairment at the end of each annual reporting period or whenever there is any indication of impairment. Potential impairment is identified by management by comparing the value in use of a CGU to its carrying value. Value in use is estimated by management using discounted cash flow projections. Management&#8217;s cash flow projections for the CGU include assumptions relating to earnings projections, discount rates determined as the cost of capital taking into account the risk-free rate of return plus a risk premium and constant growth rates used in order to extrapolate earnings in perpetuity.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">The principal considerations for our determination that performing procedures relating to the goodwill impairment assessment of the aforementioned CGU is a critical audit matter are (i) the significant judgment by management when developing the value in use of the CGU; (ii) a high degree of auditor judgment, subjectivity, and effort in performing procedures and evaluating management&#8217;s significant assumptions related to earnings projections, discount rates and constant growth rates; and (iii) the audit effort involved the use of professionals with specialized skill and knowledge.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">Addressing the matter involved performing procedures and evaluating audit evidence in connection with forming our overall </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">opinion on the consolidated financial statements. These procedures included testing the effectiveness of controls relating to management&#8217;s goodwill impairment assessment, including controls over the valuation of the aforementioned CGU. These procedures also included, among others, (i) testing management&#8217;s process for developing the value in use estimate; (ii) evaluating the appropriateness of the discounted cash flow model; (iii) evaluating the reasonableness of the earnings projections, the discount rate and the constant growth rates assumptions used by management; and (iv) testing the mathematical accuracy of the discounted cash flow projections. Evaluating the reasonableness of management&#8217;s key assumptions involved (i) performing a retrospective comparison of forecasted earnings to actual past performance and previous forecasts; and (ii) evaluating the consistency of the discount rate and constant growth rate with external market and industry data. Professionals with specialized skill and knowledge were used to assist in the evaluation of the appropriateness of management&#8217;s discounted cash flow model and reasonableness of the earnings projections, discount rate and constant growth rates assumptions.  </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:112%">Litigation provisions and contingencies</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">As described in Notes 2 and 25 to the consolidated financial statements, the Company&#8217;s consolidated litigation provisions and contingencies balance as of December 31, 2025 were EUR 4,714 million. The Company records provisions for tax, civil and legal proceedings in which management assesses the chances of loss to be probable. Management determines the amounts to be provided for as the 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. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">The principal considerations for our determination that performing procedures relating to litigation provisions and contingencies is a critical audit matter are the significant judgment by management to assess the intrinsic uncertainty of the obligations for which management recognizes a provision for these proceedings based on estimates, which in turn led to a high degree of auditor judgment and effort in performing procedures and evaluating management&#8217;s process for estimating the litigation provisions and contingencies.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">Addressing the matter involved performing procedures and evaluating audit evidence in connection with forming our overall opinion on the consolidated financial statements. These procedures included testing the effectiveness of controls relating to the assessment of litigation provisions and contingencies. These procedures also included, among others, (i) obtaining and evaluating letters of audit inquiry with internal and external lawyers and external tax advisors, (ii) evaluating the reasonableness of management&#8217;s assessment regarding whether an outflow of resources is probable and the contingency is estimable, (iii) evaluating management&#8217;s assessment of possible contingencies relating to compliance with the tax obligations for all the years open to inspection and (iv) evaluating the sufficiency of the Company&#8217;s contingency disclosures.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%">/s/ PricewaterhouseCoopers Auditores, S.L.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></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:130%">Madrid, Spain</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">February 27, 2026, except with respect to our opinion on the consolidated financial statements insofar as it relates to the change in reportable segments discussed in Note 52, and the change in the manner in which the company presents certain items in the consolidated income statements discussed in Note 1, as to which the date is April 1, 2026</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%">We have served as the Company&#8217;s auditor since 2016.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">122</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820"></div><hr style="page-break-after:always"/><div style="min-height:51.02pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-103"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:102pt"><span><br/></span></div><div><img src="san-20251231_g72.jpg" alt="9.EstadosFinancieros_ENG.jpg" style="height:598px;margin-bottom:5pt;vertical-align:text-bottom;width:793px" id="i-104"/></div><div style="margin-top:18pt"><span id="i102ca0684b3544da9df54720a37cbe90"></span><span style="color:#ffffff;font-family:'Santander Headline',sans-serif;font-size:6pt;font-weight:700;line-height:90%">Consolidated financial statements</span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">123</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_823"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-105"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:15pt"><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:15pt"><span style="color:#9c9c9c;font-family:'Santander Text',sans-serif;font-size:14pt;font-weight:700;line-height:121%">Grupo Santander</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:61.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.532%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">CONSOLIDATED BALANCE SHEETS AS OF 31 DECEMBER 2025, 2024 AND 2023</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">ASSETS</span></td><td colspan="3" style="padding:2px 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:105%">Note</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">CASH, CASH BALANCES AT CENTRAL BANKS AND OTHER DEPOSITS ON DEMAND</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-12">152,281</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-13">192,208</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-14">220,342</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">FINANCIAL ASSETS HELD FOR TRADING</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-15">252,318</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-16">230,253</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-17">176,921</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9 and 11</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander 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id="f-95">313</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-23" 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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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-99">1,202,689</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-100">1,203,707</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-101">1,191,403</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-11" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-102">140,014</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-12" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-103">120,949</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-104">103,559</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-14" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-105">1,062,675</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-15" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-106">1,082,758</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-16" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-107">1,087,844</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-17" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-108">15,986</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-18" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-109">16,179</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-19" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-110">20,082</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit 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style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-117">3,931</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-118">5,672</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-119">5,297</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">CHANGES IN THE FAIR VALUE OF HEDGED ITEMS IN<br/>PORTFOLIO HEDGES OF INTEREST RATE RISK</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">54</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="f-120">50</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="f-121">704</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="f-122">788</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">124</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-106"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:61.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.532%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">CONSOLIDATED BALANCE SHEETS AS OF 31 DECEMBER 2025, 2024 AND 2023</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">ASSETS</span></td><td colspan="3" style="padding:2px 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:105%">Note</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander 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name="ifrs-full:ReinsuranceContractsHeldThatAreAssets" scale="6" id="f-133">222</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:ReinsuranceContractsHeldThatAreAssets" scale="6" id="f-134">237</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">TANGIBLE ASSETS</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-135">27,438</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-136">32,087</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-137">33,882</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Property, plant and equipment</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">16</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-138">26,416</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-139">31,212</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-140">32,926</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">For own-use</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-26" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-141">11,663</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-27" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-142">12,636</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-28" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-143">13,408</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Leased out under an operating lease</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-29" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-144">14,753</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-30" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-145">18,576</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-31" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-146">19,518</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Investment properties</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">16</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:InvestmentProperty" format="ixt:num-dot-decimal" scale="6" id="f-147">1,022</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">INTANGIBLE ASSETS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-153">17,308</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-155">19,871</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Goodwill</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">17</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">NON-CURRENT ASSETS HELD FOR SALE</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-183">75,011</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-184">4,002</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-185">3,014</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">TOTAL ASSETS</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-186">1,867,515</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-187">1,837,081</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-188">1,797,062</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="text-indent:10.91pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">The accompanying notes 1 to 55 and appendices are an integral part of the consolidated balance sheet as of 31 December 2025.</span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">125</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-107"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:9pt;font-weight:700;line-height:105%">CONSOLIDATED BALANCE SHEETS AS OF 31 DECEMBER 2025, 2024 AND 2023</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million </span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:63.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.235%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">LIABILITIES</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 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:105%">Note</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">FINANCIAL LIABILITIES HELD FOR TRADING</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td 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unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-190">152,151</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-191">122,270</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">9 and 11</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-32" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-192">51,968</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-33" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-193">57,753</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 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format="ixt:num-dot-decimal" scale="6" id="f-297">5,904</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-298">6,276</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-299">6,086</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">OTHER LIABILITIES</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">26</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-300">15,937</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-301">16,344</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-302">17,598</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">LIABILITIES ASSOCIATED WITH NON-CURRENT ASSETS HELD FOR SALE</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-303">62,995</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-304">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-305">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL LIABILITIES</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-306">1,754,767</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-307">1,729,754</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-308">1,692,821</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">126</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-108"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:9pt;font-weight:700;line-height:105%">CONSOLIDATED BALANCE SHEETS AS OF 31 DECEMBER 2025, 2024 AND 2023</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">EUR million </span></td></tr></table></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:61.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.829%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EQUITY</span></td><td colspan="3" style="padding:2px 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:105%">Note</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">SHAREHOLDERS&#180; EQUITY</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:EquityAttributableToOwnersOfParentExcludingAccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-309">141,144</ix:nonFraction></span><span 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id="f-337">82,326</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:RetainedEarningsExcludingProfitLossForReportingPeriod" format="ixt:num-dot-decimal" scale="6" id="f-338">74,114</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">REVALUATION RESERVES</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:RevaluationSurplus" format="ixt:fixed-zero" scale="6" id="f-339">&#8212;</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:RevaluationSurplus" format="ixt:fixed-zero" scale="6" id="f-340">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-343">5,976</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-344">5,751</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Reserves or accumulated losses in joint venture investments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:ReservesOrAccumulatedLossesInJointVenturesInvestments" format="ixt:num-dot-decimal" scale="6" id="f-345">1,643</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:ReservesOrAccumulatedLossesInJointVenturesInvestments" format="ixt:num-dot-decimal" scale="6" id="f-346">1,831</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:ReservesOrAccumulatedLossesInJointVenturesInvestments" format="ixt:num-dot-decimal" scale="6" id="f-347">1,762</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:InterimDividends" format="ixt:num-dot-decimal" scale="6" id="f-358">1,532</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:InterimDividends" format="ixt:num-dot-decimal" scale="6" id="f-359">1,298</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">OTHER COMPREHENSIVE INCOME OR LOSS</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-360">37,974</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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scale="6" id="f-363">4,121</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="san:OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-364">4,757</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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format="ixt:num-dot-decimal" scale="6" id="f-371">8,818</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other comprehensive income or loss</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" sign="-" name="san:AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterests" format="ixt:num-dot-decimal" scale="6" id="f-372">1,947</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="san:AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterests" format="ixt:num-dot-decimal" scale="6" id="f-373">2,020</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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format="ixt:num-dot-decimal" scale="6" id="f-379">107,327</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-380">104,241</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" 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name="ifrs-full:EquityAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-383">1,797,062</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">MEMORANDUM ITEMS: OFF BALANCE SHEET AMOUNTS</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loan commitments granted</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-77" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-384">321,234</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-78" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-385">302,861</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-79" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-386">279,589</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial guarantees granted</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-80" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-387">17,449</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-81" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-388">16,901</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-82" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-389">15,435</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other commitments granted</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-83" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-390">148,118</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-84" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-391">134,493</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-85" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-392">113,273</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">The accompanying notes 1 to 55 and appendices are an integral part of the consolidated balance sheet as of 31 December 2025.</span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">127</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_826"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-109"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:61.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.532%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:9pt;font-weight:700;line-height:105%">CONSOLIDATED INCOME STATEMENTS FOR THE YEARS ENDED 31 DECEMBER 2025, 2024 AND 2023</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(Debit) Credit</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Note</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest income </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="f-393">101,710</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" 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1pt 2px 7.75pt;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:105%">Other interest income</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-94" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="f-402">19,749</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-408">42,348</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-409">43,787</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 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scale="6" id="f-414">665</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-415">687</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-416">591</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Commission income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="f-420">4,411</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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contextRef="c-104" decimals="-6" name="san:GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-439">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-105" decimals="-6" name="san:GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-440">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 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name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:fixed-zero" scale="6" id="f-450">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-104" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:fixed-zero" scale="6" id="f-451">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="san:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-458">92</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gain or losses from hedge accounting, net</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43&#160;</span></td><td 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Income from insurance and reinsurance contracts</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:IncomeFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss" scale="6" id="f-471">476</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:IncomeFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss" scale="6" id="f-472">470</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:IncomeFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss" scale="6" id="f-473">460</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Expenses from insurance and reinsurance contracts</span></td><td colspan="3" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:ExpensesFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss" scale="6" id="f-474">385</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:ExpensesFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss" scale="6" id="f-475">449</ix:nonFraction>)</span></td><td style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:ExpensesFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss" scale="6" id="f-476">449</ix:nonFraction>)</span></td><td style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">128</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-110"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:61.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.532%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:9pt;font-weight:700;line-height:105%">CONSOLIDATED INCOME STATEMENTS FOR THE YEARS ENDED 31 DECEMBER 2025, 2024 AND 2023</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(Debit) Credit</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Note</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total income</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-477">58,311</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-478">58,043</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-479">53,951</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Administrative expenses</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AdministrativeExpense" format="ixt:num-dot-decimal" scale="6" id="f-480">21,601</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:AdministrativeExpense" format="ixt:num-dot-decimal" scale="6" id="f-481">22,036</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:AdministrativeExpense" format="ixt:num-dot-decimal" scale="6" id="f-482">21,598</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Staff costs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">46&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="f-483">13,656</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="f-484">13,851</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="f-485">13,299</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other general administrative expenses</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:OtherGeneralAdministrativeExpenses" format="ixt:num-dot-decimal" scale="6" id="f-486">7,945</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:OtherGeneralAdministrativeExpenses" format="ixt:num-dot-decimal" scale="6" id="f-487">8,185</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:OtherGeneralAdministrativeExpenses" format="ixt:num-dot-decimal" scale="6" id="f-488">8,299</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Depreciation and amortisation cost</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16 and 18</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" format="ixt:num-dot-decimal" scale="6" id="f-489">3,178</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" format="ixt:num-dot-decimal" scale="6" id="f-490">3,179</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:DepreciationAndAmortisationExpense" format="ixt:num-dot-decimal" scale="6" id="f-491">3,086</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions or reversal of provisions, net</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:ProvisionsAndReversalOfProvisions" format="ixt:num-dot-decimal" scale="6" id="f-492">2,302</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:ProvisionsAndReversalOfProvisions" format="ixt:num-dot-decimal" scale="6" id="f-493">3,062</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:ProvisionsAndReversalOfProvisions" format="ixt:num-dot-decimal" scale="6" id="f-494">2,058</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Impairment or reversal of impairment at financial assets not measured<br/>at fair value through  profit or loss and net gains and losses from changes</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9" format="ixt:num-dot-decimal" scale="6" id="f-495">12,546</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9" format="ixt:num-dot-decimal" scale="6" id="f-496">12,136</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9" format="ixt:num-dot-decimal" scale="6" id="f-497">12,298</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-88" decimals="-6" name="ifrs-full:ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9" scale="6" id="f-498">29</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-89" decimals="-6" sign="-" name="ifrs-full:ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9" scale="6" id="f-499">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-90" decimals="-6" name="ifrs-full:ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9" scale="6" id="f-500">24</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Financial assets at amortized cost</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-91" decimals="-6" name="ifrs-full:ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9" format="ixt:num-dot-decimal" scale="6" id="f-501">12,517</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-92" decimals="-6" name="ifrs-full:ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9" format="ixt:num-dot-decimal" scale="6" id="f-502">12,137</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-93" decimals="-6" name="ifrs-full:ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9" format="ixt:num-dot-decimal" scale="6" id="f-503">12,274</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment or reversal of impairment of investments in<br/>subsidiaries, joint ventures and associates, net</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17 and 18</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:ImpairmentLossReversalOfImpairmentOfInvestmentsInSubsidiariesJointVenturesAndAssociatesNet" format="ixt:fixed-zero" scale="6" id="f-504">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:ImpairmentLossReversalOfImpairmentOfInvestmentsInSubsidiariesJointVenturesAndAssociatesNet" format="ixt:fixed-zero" scale="6" id="f-505">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:ImpairmentLossReversalOfImpairmentOfInvestmentsInSubsidiariesJointVenturesAndAssociatesNet" format="ixt:fixed-zero" scale="6" id="f-506">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment or reversal of impairment on non-financial assets, net</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:ImpairmentLossReversalOfImpairmentRecognisedInProfitOrLossNonFinancialAssetsNet" scale="6" id="f-507">251</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:ImpairmentLossReversalOfImpairmentRecognisedInProfitOrLossNonFinancialAssetsNet" scale="6" id="f-508">624</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:ImpairmentLossReversalOfImpairmentRecognisedInProfitOrLossNonFinancialAssetsNet" scale="6" id="f-509">237</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Tangible assets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossTangibleAssets" scale="6" id="f-510">129</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossTangibleAssets" scale="6" id="f-511">382</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossTangibleAssets" scale="6" id="f-512">135</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander 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style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" scale="6" id="f-514">231</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" scale="6" id="f-515">73</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossOtherNonFinancialAssetsNet" scale="6" id="f-516">10</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossOtherNonFinancialAssetsNet" scale="6" id="f-517">11</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" 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#9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:GainsLossesOnDisposalsOfNonFinancialAssetsNet" format="ixt:fixed-zero" scale="6" id="f-519">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:GainsLossesOnDisposalsOfNonFinancialAssetsNet" scale="6" id="f-520">368</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:GainsLossesOnDisposalsOfNonFinancialAssetsNet" scale="6" id="f-521">312</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Negative goodwill recognized in results</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:GainRecognisedInBargainPurchaseTransaction" scale="6" id="f-522">22</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:GainRecognisedInBargainPurchaseTransaction" format="ixt:fixed-zero" scale="6" id="f-523">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:GainRecognisedInBargainPurchaseTransaction" scale="6" id="f-524">39</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains or losses on non-current assets held for sale<br/>not classified as discontinued operations</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="san:GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" scale="6" id="f-526">27</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="san:GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" scale="6" id="f-527">20</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Operating profit/(loss) before tax</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-528">18,681</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-530">15,005</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax expense or income from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-531">4,723</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-532">4,844</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-533">3,880</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-535">12,503</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-536">11,125</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit/(loss) after tax from discontinued operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-537">1,542</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-538">1,241</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-539">1,058</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Profit/(loss) for the year</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-540">15,500</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-541">13,744</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-542">12,183</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Profit/(loss) attributable to non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-543">1,399</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-544">1,170</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-545">1,107</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Profit/(loss) attributable to the parent</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-546">14,101</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-547">12,574</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-548">11,076</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Earnings/(losses) per share</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Basic</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-1" decimals="3" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="f-549">0.905</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-86" decimals="3" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="f-550">0.771</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-87" decimals="3" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="f-551">0.654</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Diluted</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-1" decimals="3" name="ifrs-full:DilutedEarningsLossPerShare" scale="0" id="f-552">0.900</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-86" decimals="3" name="ifrs-full:DilutedEarningsLossPerShare" scale="0" id="f-553">0.768</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-87" decimals="3" name="ifrs-full:DilutedEarningsLossPerShare" scale="0" id="f-554">0.651</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. <ix:footnote id="fn-1" continuedAt="fn-1-1" footnoteRole="http://www.xbrl.org/2003/role/footnote">Includes EUR -<ix:nonFraction unitRef="eur" contextRef="c-109" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnNetMonetaryPosition" scale="6" id="f-555">486</ix:nonFraction> million at 31 December 2025 (EUR -<ix:nonFraction unitRef="eur" contextRef="c-110" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnNetMonetaryPosition" format="ixt:num-dot-decimal" scale="6" id="f-556">1,225</ix:nonFraction> and EUR -<ix:nonFraction unitRef="eur" contextRef="c-111" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnNetMonetaryPosition" format="ixt:num-dot-decimal" scale="6" id="f-557">1,016</ix:nonFraction> at 31 December 2024 and 2023, respectively) derived from the net loss generated in Argentina as a result of the application of IAS 29 </ix:footnote></span><ix:continuation id="fn-1-1"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:115%">Financial reporting in hyperinflationary economies</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:115%"> </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> </span></ix:continuation></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">The accompanying notes 1 to 55 and appendices are an integral part of the consolidated income statement for the year ended 31 December 2025.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">129</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_829"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-111"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:61.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.829%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">CONSOLIDATED STATEMENTS OF RECOGNISED INCOME AND EXPENSE <br/>FOR THE YEARS ENDED 31 DECEMBER 2025, 2024 AND 2023</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">Note</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">CONSOLIDATED PROFIT/(LOSS) FOR THE YEAR</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-558">15,500</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-559">13,744</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-560">12,183</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">OTHER RECOGNISED INCOME AND EXPENSE</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-561">1,858</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-562">2,339</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:OtherComprehensiveIncome" scale="6" id="f-563">614</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Items that will not be reclassified to profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">29</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" scale="6" id="f-564">100</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" scale="6" id="f-565">219</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" scale="6" id="f-566">964</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Actuarial gains and losses on defined benefit pension plans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-567">73</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-568">584</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-569">1,038</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Non-current assets held for sale</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="san:NonCurrentAssetsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossBeforeTax" scale="6" id="f-570">10</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:NonCurrentAssetsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-571">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:NonCurrentAssetsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-572">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other recognised income and expense of investments in<br/>subsidiaries, joint ventures and associates</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" scale="6" id="f-573">1</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" scale="6" id="f-574">3</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" scale="6" id="f-575">5</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-576">245</ix:nonFraction>&#160;</span></td><td 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decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-580">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-581">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedged item)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="san:ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgedItem" scale="6" id="f-582">76</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgedItem" scale="6" id="f-583">20</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="san:ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgedItem" scale="6" id="f-584">29</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedging instrument)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgingInstrument" scale="6" id="f-585">76</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="san:ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgingInstrument" scale="6" id="f-586">20</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgingInstrument" scale="6" id="f-587">29</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">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="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-588">160</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-589">277</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-590">120</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Income tax relating to items that will not be reclassified</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="f-593">361</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Items that may be reclassified to profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" format="ixt:num-dot-decimal" scale="6" id="f-594">1,958</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" format="ixt:num-dot-decimal" scale="6" id="f-595">2,558</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" format="ixt:num-dot-decimal" scale="6" id="f-596">1,578</ix:nonFraction></span><span 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name="ifrs-full:GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" scale="6" id="f-601">420</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-602">1,888</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" format="ixt:fixed-zero" scale="6" id="f-603">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" format="ixt:fixed-zero" scale="6" id="f-604">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" format="ixt:fixed-zero" scale="6" id="f-605">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Other reclassifications</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:OtherReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" format="ixt:fixed-zero" scale="6" id="f-606">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:OtherReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" format="ixt:fixed-zero" scale="6" id="f-607">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:OtherReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" format="ixt:fixed-zero" scale="6" id="f-608">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Exchanges differences</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-609">3,399</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-610">3,047</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-611">1,017</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Revaluation gains (losses)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-612">3,399</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-613">3,047</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-614">1,009</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:fixed-zero" scale="6" id="f-615">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:fixed-zero" scale="6" id="f-616">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" scale="6" id="f-617">8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Other reclassifications</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:fixed-zero" scale="6" id="f-618">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:fixed-zero" scale="6" id="f-619">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:fixed-zero" scale="6" id="f-620">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cash flow hedges (effective portion)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxCashFlowHedges" scale="6" id="f-621">867</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxCashFlowHedges" scale="6" id="f-622">558</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxCashFlowHedges" format="ixt:num-dot-decimal" scale="6" id="f-623">2,592</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Revaluation gains (losses)</span></td><td colspan="3" style="border-top:0.25pt 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id="f-625">698</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnCashFlowHedgesBeforeTax" scale="6" id="f-626">30</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Amounts transferred to income statement</span></td><td 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Transferred to initial carrying amount of hedged items</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:AmountsTransferredToInitialCarryingAmountOfHedgedItemsBeforeTax" format="ixt:fixed-zero" scale="6" id="f-630">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:AmountsTransferredToInitialCarryingAmountOfHedgedItemsBeforeTax" format="ixt:fixed-zero" scale="6" id="f-631">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:AmountsTransferredToInitialCarryingAmountOfHedgedItemsBeforeTax" format="ixt:fixed-zero" scale="6" id="f-632">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Other reclassifications</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" format="ixt:fixed-zero" scale="6" id="f-633">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" format="ixt:fixed-zero" scale="6" id="f-634">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" format="ixt:fixed-zero" scale="6" id="f-635">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging instruments (items not designated)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="san:OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" scale="6" id="f-636">14</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" format="ixt:fixed-zero" scale="6" id="f-637">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" format="ixt:fixed-zero" scale="6" id="f-638">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Revaluation gains (losses)</span></td><td colspan="3" 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name="san:GainsLossesOnRemeasuringHedgingInstrumentsNotDesignatedBeforeTax" format="ixt:fixed-zero" scale="6" id="f-640">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:GainsLossesOnRemeasuringHedgingInstrumentsNotDesignatedBeforeTax" format="ixt:fixed-zero" scale="6" id="f-641">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" scale="6" id="f-642">13</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" format="ixt:fixed-zero" scale="6" id="f-643">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" format="ixt:fixed-zero" scale="6" id="f-644">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 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#9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" format="ixt:fixed-zero" scale="6" id="f-646">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" format="ixt:fixed-zero" scale="6" id="f-647">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt instruments at fair value with changes in other comprehensive income</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-648">613</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-649">493</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-650">858</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Revaluation gains (losses)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" scale="6" id="f-652">447</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" scale="6" id="f-653">852</ix:nonFraction>&#160;</span></td><td 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Revaluation gains (losses)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:GainsLossesOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" scale="6" id="f-663">267</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid 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id="f-665">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="san:ReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" scale="6" 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Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:ReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" format="ixt:fixed-zero" scale="6" id="f-668">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Other reclassifications</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander 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style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-679">11,405</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-680">12,797</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Attributable to non-controlling interests</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ComprehensiveIncomeAttributableToNoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-681">1,452</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ComprehensiveIncomeAttributableToNoncontrollingInterests" scale="6" id="f-682">709</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ComprehensiveIncomeAttributableToNoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-683">1,401</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Attributable to the parent</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ComprehensiveIncomeAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-684">12,190</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ComprehensiveIncomeAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-685">10,696</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ComprehensiveIncomeAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-686">11,396</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">The accompanying notes 1 to 55 and appendices are an integral part of the consolidated statement of recognised income and expense for the year ended 31 December 2025.</span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">130</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_832"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-112"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-top:300pt;padding-left:3.54pt;padding-right:3.54pt;text-align:center;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:44.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.719%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:9pt;font-weight:700;line-height:105%">CONSOLIDATED STATEMENTS OF CHANGES IN TOTAL EQUITY FOR THE YEARS ENDED 31 DECEMBER 2025, 2024 AND 2023</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Opening balance at 1 January 2025</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-117" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-692">7,576</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-118" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-693">40,079</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-119" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-694">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-120" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-695">217</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-121" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-696">82,326</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total recognised income and expense</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other changes in equity</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-122" decimals="-6" sign="-" name="san:IncreaseDecreaseInEquityOtherThanComprehensiveIncome" scale="6" id="f-697">231</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-123" decimals="-6" sign="-" name="san:IncreaseDecreaseInEquityOtherThanComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-698">3,287</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-124" decimals="-6" name="san:IncreaseDecreaseInEquityOtherThanComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-699">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-125" decimals="-6" name="san:IncreaseDecreaseInEquityOtherThanComprehensiveIncome" scale="6" id="f-700">56</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-126" decimals="-6" name="san:IncreaseDecreaseInEquityOtherThanComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-701">9,633</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Issuance of ordinary shares</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Issuance of preferred shares</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Issuance of other financial instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Maturity of other financial instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Conversion of financial liabilities into equity</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Capital reduction</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-122" decimals="-6" name="ifrs-full:ReductionOfIssuedCapital" scale="6" id="f-702">231</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-123" decimals="-6" name="ifrs-full:ReductionOfIssuedCapital" format="ixt:num-dot-decimal" scale="6" id="f-703">3,287</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Dividends </span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-126" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-704">1,643</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Purchase of equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposal of equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfer from equity to liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfer from liabilities to equity</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfers between equity items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-126" decimals="-6" name="san:IncreaseDecreaseThroughTransfersBetweenEquityItems" format="ixt:num-dot-decimal" scale="6" id="f-705">11,276</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Increases (decreases) due to business combinations</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Share-based payment</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-125" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-706">67</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Others increases or (-) decreases in equity</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-125" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-707">123</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at 31 December 2025</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-127" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-708">7,345</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-128" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-709">36,792</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-129" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-710">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-130" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-711">273</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-131" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-712">91,959</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">    </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">The accompanying notes 1 to 55 and appendices are an integral part of the consolidated statement of changes in total equity for the year ended 31 December 2025.</span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">131</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-113"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:9.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.603%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.905%"/><td style="width:0.1%"/></tr><tr style="height:14pt"><td colspan="27" style="padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Non-controlling interest</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Revaluation reserves</span></td><td colspan="3" style="padding:2px 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:105%">Other reserves</span></td><td colspan="3" style="padding:2px 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:105%">(-) Own shares</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughConversionOfConvertibleInstruments" format="ixt:fixed-zero" scale="6" id="f-750">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-155" decimals="-6" sign="-" name="ifrs-full:ReductionOfIssuedCapital" scale="6" id="f-751">231</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-156" decimals="-6" sign="-" name="ifrs-full:ReductionOfIssuedCapital" format="ixt:num-dot-decimal" scale="6" id="f-752">3,287</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-156" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-758">4,081</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" 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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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-774">67</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-155" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" format="ixt:num-dot-decimal" scale="6" id="f-775">1,055</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-154" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-776">309</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-777">623</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-158" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-778">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-159" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-779">7,532</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-160" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-780">96</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-161" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-781">14,101</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-162" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-782">1,698</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-163" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-783">37,974</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-164" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-784">1,947</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-165" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-785">11,525</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-786">112,748</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">132</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-114"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:44.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.719%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:9pt;font-weight:700;line-height:105%">CONSOLIDATED STATEMENTS OF CHANGES IN TOTAL EQUITY FOR THE YEARS ENDED 31 DECEMBER 2025, 2024 AND 2023</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Capital</span></td><td colspan="3" style="padding:2px 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:105%">Share premium</span></td><td colspan="3" style="padding:2px 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:105%">Equity instruments issued (not capital)</span></td><td colspan="3" style="padding:2px 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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:105%"><ix:nonFraction unitRef="eur" contextRef="c-180" decimals="-6" name="san:IncreaseDecreaseInEquityOtherThanComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-801">8,212</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Issuance of ordinary shares</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Issuance of preferred shares</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Issuance of other financial instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Maturity of other financial instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-178" decimals="-6" name="san:MaturityOfOtherFinancialInstruments" scale="6" id="f-802">751</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Conversion of financial liabilities into equity</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Capital reduction</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-176" decimals="-6" name="ifrs-full:ReductionOfIssuedCapital" scale="6" id="f-803">516</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-177" decimals="-6" name="ifrs-full:ReductionOfIssuedCapital" format="ixt:num-dot-decimal" scale="6" id="f-804">4,294</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Dividends</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-180" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-805">1,485</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Purchase of equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposal of equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfer from equity to liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfer from liabilities to equity</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-180" decimals="-6" name="san:IncreaseDecreaseThroughTransfersBetweenEquityItems" format="ixt:num-dot-decimal" scale="6" id="f-806">9,697</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Increases (decreases) due to business combinations</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Share-based payment</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-179" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-807">62</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Others increases or (-) decreases in equity</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid 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style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-179" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-809">84</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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#ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-118" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-811">40,079</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-119" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-812">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-120" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-813">217</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-121" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-814">82,326</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">The accompanying notes 1 to 55 and appendices are an integral part of the consolidated statement of changes in total equity for the year ended 31 December 2025.</span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">133</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-115"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:9.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.904%"/><td style="width:0.1%"/></tr><tr style="height:14pt"><td colspan="27" style="padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Non-controlling interest</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Revaluation reserves</span></td><td colspan="3" style="padding:2px 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:105%">Other reserves</span></td><td colspan="3" style="padding:2px 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:105%">(-) Own shares</span></td><td colspan="3" style="padding:2px 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:105%">Profit attributable&#160;to shareholders of the parent</span></td><td colspan="3" style="padding:2px 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:105%">(-) Interim dividends</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-147" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-884">1,532</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-148" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-885">36,595</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-149" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-886">2,020</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-150" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-887">10,746</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-888">107,327</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">134</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-116"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:44.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.719%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:9pt;font-weight:700;line-height:105%">CONSOLIDATED STATEMENTS OF CHANGES IN TOTAL EQUITY FOR THE YEARS ENDED 31 DECEMBER 2025, 2024 AND 2023</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Capital</span></td><td colspan="3" style="padding:2px 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:105%">Share premium</span></td><td colspan="3" style="padding:2px 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:105%">Equity instruments issued (not capital)</span></td><td colspan="3" style="padding:2px 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:105%">Other equity instruments</span></td><td colspan="3" style="padding:2px 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:105%">Accumulated retained 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-211" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-893">66,702</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Adjustments due to errors</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Adjustments due to changes in accounting policies</span></td><td colspan="2" style="border-top:0.25pt solid 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0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Opening balance at 1 January 2023</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-212" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-894">8,397</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-213" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-895">46,273</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-214" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-896">688</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-215" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-897">175</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-216" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-898">66,702</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total recognised income and expense</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other changes in equity</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-217" decimals="-6" sign="-" name="san:IncreaseDecreaseInEquityOtherThanComprehensiveIncome" scale="6" id="f-899">305</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-218" decimals="-6" sign="-" name="san:IncreaseDecreaseInEquityOtherThanComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-900">1,900</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-219" decimals="-6" name="san:IncreaseDecreaseInEquityOtherThanComprehensiveIncome" scale="6" id="f-901">32</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-220" decimals="-6" name="san:IncreaseDecreaseInEquityOtherThanComprehensiveIncome" scale="6" id="f-902">20</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-221" decimals="-6" name="san:IncreaseDecreaseInEquityOtherThanComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-903">7,412</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Issuance of ordinary shares</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Issuance of preferred shares</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Issuance of other financial instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Maturity of other financial instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Conversion of financial liabilities into equity</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Capital reduction</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-217" decimals="-6" name="ifrs-full:ReductionOfIssuedCapital" scale="6" id="f-904">305</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-218" decimals="-6" name="ifrs-full:ReductionOfIssuedCapital" format="ixt:num-dot-decimal" scale="6" id="f-905">1,900</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Dividends</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-221" decimals="-6" name="ifrs-full:DividendsPaid" scale="6" id="f-906">963</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Purchase of equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposal of equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfer from equity to liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfer from liabilities to equity</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfers between equity items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-221" decimals="-6" name="san:IncreaseDecreaseThroughTransfersBetweenEquityItems" format="ixt:num-dot-decimal" scale="6" id="f-907">8,375</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Increases (decreases) due to business combinations</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Share-based payment</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-220" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-908">60</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Others increases or (-) decreases in equity</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-219" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-909">32</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-220" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-910">80</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at 31 December 2023</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-171" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-911">8,092</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-172" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-912">44,373</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-173" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-913">720</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-174" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-914">195</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-175" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-915">74,114</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">The accompanying notes 1 to 55 and appendices are an integral part of the consolidated statement of changes in total equity for the year ended 31 December 2025.</span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">135</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-117"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:9.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.904%"/><td style="width:0.1%"/></tr><tr style="height:14pt"><td colspan="27" style="padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Non-controlling interest</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Revaluation reserves</span></td><td colspan="3" style="padding:2px 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:105%">Other reserves</span></td><td colspan="3" style="padding:2px 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:105%">(-) Own shares</span></td><td colspan="3" style="padding:2px 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:105%">Profit attributable&#160;to shareholders of the parent</span></td><td colspan="3" style="padding:2px 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:105%">(-) Interim dividends</span></td><td colspan="3" style="padding:2px 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:105%">Other comprehensive income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other comprehensive income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other items</span></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-222" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" 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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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-977">60</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-246" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-978">578</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-245" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-979">47</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-980">419</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-192" decimals="-6" name="ifrs-full:Equity" format="ixt:fixed-zero" scale="6" id="f-981">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-193" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-982">5,751</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-194" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-983">1,078</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-195" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-984">11,076</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-196" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-985">1,298</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-197" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-986">35,020</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-198" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-987">1,559</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-199" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-988">10,377</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-989">104,241</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">136</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_835"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-118"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:60.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.532%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:9pt;font-weight:700;line-height:105%">CONSOLIDATED STATEMENTS OF CASH FLOWS FOR THE YEARS ENDED 2025, 2024 AND 2023</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">Note</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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CASH FLOWS FROM OPERATING ACTIVITIES</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-990">14,835</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-991">24,155</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:CashFlowsFromUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-992">5,015</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid 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style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-994">13,744</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-995">12,183</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Adjustments made to obtain the cash flows from operating activities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital" format="ixt:num-dot-decimal" scale="6" id="f-996">31,347</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital" format="ixt:num-dot-decimal" scale="6" id="f-997">28,361</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital" format="ixt:num-dot-decimal" scale="6" id="f-998">26,948</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other adjustments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherAdjustmentsForNoncashItems" format="ixt:num-dot-decimal" scale="6" id="f-1002">28,169</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:OtherAdjustmentsForNoncashItems" format="ixt:num-dot-decimal" scale="6" id="f-1003">25,182</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:OtherAdjustmentsForNoncashItems" format="ixt:num-dot-decimal" scale="6" id="f-1004">23,862</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net increase/(decrease) in operating assets</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="san:AdjustmentsForDecreaseIncreaseInOperatingAssets" format="ixt:num-dot-decimal" scale="6" 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Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForIncreaseDecreaseInOtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-1039">6,950</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:AdjustmentsForIncreaseDecreaseInOtherLiabilities" scale="6" id="f-1040">503</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Income tax recovered/(paid)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1041">4,954</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1042">5,880</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1043">5,214</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">B. CASH FLOWS FROM INVESTING ACTIVITIES</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:CashFlowsFromUsedInInvestingActivities" scale="6" id="f-1044">534</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1045">3,712</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1046">5,366</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OutflowsOfCashFromInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1047">7,925</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:OutflowsOfCashFromInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1048">11,355</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:OutflowsOfCashFromInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1049">15,056</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Tangible assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1050">5,854</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1051">8,494</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1052">11,446</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Intangible assets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1053">1,805</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1054">2,104</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1055">2,197</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Investments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="border-top:0.25pt solid 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name="ifrs-full:PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod" scale="6" id="f-1057">686</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod" scale="6" id="f-1058">139</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Subsidiaries and other business units</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" scale="6" id="f-1059">187</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" scale="6" id="f-1060">71</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1061">1,274</ix:nonFraction>&#160;</span></td><td 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style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Tangible assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1071">5,206</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1072">5,966</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1090">5,510</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1091">2,058</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:OutflowsOfCashFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1093">14,045</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:OutflowsOfCashFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1094">10,187</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Dividends</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1095">3,341</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1096">3,017</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1097">2,261</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Subordinated liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-1098">8,822</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-1099">4,096</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-1100">2,931</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Redemption of own equity instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:PaymentsToRedeemEntityShares" format="ixt:fixed-zero" scale="6" id="f-1101">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:PaymentsToRedeemEntityShares" scale="6" id="f-1102">751</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:PaymentsToRedeemEntityShares" format="ixt:fixed-zero" scale="6" id="f-1103">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Acquisition of own equity instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:PaymentsToAcquireEntityShares" format="ixt:num-dot-decimal" scale="6" id="f-1104">4,081</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:PaymentsToAcquireEntityShares" format="ixt:num-dot-decimal" scale="6" id="f-1105">4,038</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:PaymentsToAcquireEntityShares" format="ixt:num-dot-decimal" scale="6" id="f-1106">3,109</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:400;line-height:105%">Other payments related to financing activities</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:OtherOutflowsOfCashClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1107">1,499</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:OtherOutflowsOfCashClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1108">2,143</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:OtherOutflowsOfCashClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1109">1,886</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Proceeds</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Subordinated liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">23&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-1113">2,287</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-1114">7,001</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-1115">7,007</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Issuance of own equity instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProceedsFromIssuingShares" format="ixt:fixed-zero" scale="6" id="f-1116">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ProceedsFromIssuingShares" format="ixt:fixed-zero" scale="6" id="f-1117">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProceedsFromIssuingShares" format="ixt:fixed-zero" scale="6" id="f-1118">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Disposal of own equity instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProceedsFromSaleOrIssueOfTreasuryShares" scale="6" id="f-1119">815</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ProceedsFromSaleOrIssueOfTreasuryShares" scale="6" id="f-1120">765</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProceedsFromSaleOrIssueOfTreasuryShares" scale="6" id="f-1121">825</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other proceeds related to financing activities</span></td><td colspan="3" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:OtherInflowsOfCashClassifiedAsFinancingActivities" scale="6" id="f-1122">438</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:OtherInflowsOfCashClassifiedAsFinancingActivities" scale="6" id="f-1123">769</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:OtherInflowsOfCashClassifiedAsFinancingActivities" scale="6" id="f-1124">297</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">137</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-119"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:60.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.532%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:9pt;font-weight:700;line-height:105%">CONSOLIDATED STATEMENTS OF CASH FLOWS FOR THE YEARS ENDED 2025, 2024 AND 2023</span></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">Note</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">D. EFFECT OF FOREIGN EXCHANGE RATE DIFFERENCES</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1125">8,908</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1126">5,243</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" scale="6" id="f-1127">322</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">E. NET INCREASE/(DECREASE) IN CASH AND CASH EQUIVALENTS</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1128">37,412</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1129">28,134</ix:nonFraction>)</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1130">2,731</ix:nonFraction>)</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">F. CASH AND CASH EQUIVALENTS AT BEGINNING OF THE YEAR</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:CashAndCashEquivalentsIfDifferentFromStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-1131">192,208</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:CashAndCashEquivalentsIfDifferentFromStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-1132">220,342</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-241" decimals="-6" name="ifrs-full:CashAndCashEquivalentsIfDifferentFromStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-1133">223,073</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">G. CASH AND CASH EQUIVALENTS AT END OF THE YEAR</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:CashAndCashEquivalentsIfDifferentFromStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-1134">154,796</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:CashAndCashEquivalentsIfDifferentFromStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-1135">192,208</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:CashAndCashEquivalentsIfDifferentFromStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-1136">220,342</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">COMPONENTS OF CASH AND CASH EQUIVALENTS AT END OF THE YEAR</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Cash</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:CashOnHand" format="ixt:num-dot-decimal" scale="6" id="f-1137">7,357</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:CashOnHand" format="ixt:num-dot-decimal" scale="6" id="f-1138">9,253</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:CashOnHand" format="ixt:num-dot-decimal" scale="6" id="f-1139">8,621</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Cash equivalents at central banks</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-1140">135,330</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-1141">170,914</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-1142">199,932</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other financial assets</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:OtherCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1143">9,594</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:OtherCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1144">12,041</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:OtherCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1145">11,789</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Less, bank overdrafts refundable on demand</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:BankOverdraftsClassifiedAsCashEquivalents" format="ixt:fixed-zero" scale="6" id="f-1146">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:BankOverdraftsClassifiedAsCashEquivalents" format="ixt:fixed-zero" scale="6" id="f-1147">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:BankOverdraftsClassifiedAsCashEquivalents" format="ixt:fixed-zero" scale="6" id="f-1148">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">TOTAL CASH AND CASH EQUIVALENTS AT END OF THE YEAR</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1149">152,281</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1150">192,208</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1151">220,342</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">In which, restricted cash</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:RestrictedCashAndCashEquivalents" format="ixt:fixed-zero" scale="6" id="f-1152">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:RestrictedCashAndCashEquivalents" format="ixt:fixed-zero" scale="6" id="f-1153">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:RestrictedCashAndCashEquivalents" format="ixt:fixed-zero" scale="6" id="f-1154">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2px 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:105%">TOTAL CASH AND CASH EQUIVALENTS AT END OF PERIOD ASSOCIATED WITH NON-CURRENT ASSETS HELD FOR SALE</span></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2px 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:105%">12</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:CashAndCashEquivalentsClassifiedAsPartOfDisposalGroupHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-1155">2,515</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:CashAndCashEquivalentsClassifiedAsPartOfDisposalGroupHeldForSale" format="ixt:fixed-zero" scale="6" id="f-1156">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:CashAndCashEquivalentsClassifiedAsPartOfDisposalGroupHeldForSale" format="ixt:fixed-zero" scale="6" id="f-1157">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:1pt solid #ec0000;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span><br/></span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">The accompanying notes 1 to 55 and appendices are an integral part of the consolidated statement of cash flows for the year ended 31 December 2025.</span></div><div style="margin-top:300pt;padding-left:3.54pt;padding-right:3.54pt;text-align:center;text-indent:-7.09pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">138</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838"></div><hr style="page-break-after:always"/><div style="min-height:51.02pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-120"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:102pt"><span><br/></span></div><div><img src="san-20251231_g73.jpg" alt="10.Consolidada_ENG.jpg" style="height:598px;margin-bottom:5pt;vertical-align:text-bottom;width:793px" id="i-121"/></div><div style="margin-top:15pt"><span id="if62b5ead700f4378834d7bb0f71f788f"></span><span style="color:#ffffff;font-family:'Santander Headline',sans-serif;font-size:6pt;font-weight:700;line-height:90%">Notes to the consolidated financial statements</span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">139</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_841"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-122"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i9faa93a1ef0e46238410cb2ab782180c"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">Banco Santander, S.A., and Companies composing Grupo Santander</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:130%">Notes to the consolidated financial statements (consolidated annual accounts) for the year ended 31 December 2025.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="id71d0dc8e7024638af37a1db3abd3b97"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">1. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory" id="f-1158" continuedAt="f-1158-1" escape="true">Introduction, basis of presentation of the consolidated financial statements (consolidated annual accounts) and other information</ix:nonNumeric></span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_844"></div><ix:continuation id="f-1158-1" continuedAt="f-1158-2"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i77528bda2ffa40d693c9b52c4c5de603"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Introduction</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:130%">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, where it was constituted and currently maintains its legal domicile, which is paseo de Pereda, numbers 9 to 12, 39004, Santander, Spain.</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:130%">The principal headquarters of Banco Santander are located in Ciudad Grupo Santander, Avenida Cantabria s/n, 28660, Boadilla del Monte, Madrid, Spain.</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:130%">The corporate purpose of Banco Santander, S.A. mainly entails carrying out all kinds of activities, operations and services inherent to the banking business in general and permitted by current legislation, and the acquisition, holding, enjoyment and disposal of all kinds of securities.</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:130%">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'). Therefore, Banco Santander is obliged to prepare, in addition to its own separate financial statements, the Group's consolidated financial statements, which also include the interests in joint ventures and investments in associates.</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:130%">At 31 December 2025, Grupo Santander consisted of <ix:nonFraction unitRef="subsidiary" contextRef="c-1" decimals="INF" name="san:NumberOfSubsidiaries" scale="0" id="f-1159">755</ix:nonFraction> subsidiaries of Banco Santander, S.A. In addition, other <ix:nonFraction unitRef="companies" contextRef="c-1" decimals="INF" name="san:NumberOfAssociatesJointVenturesOrListedCompaniesOfWhichEntityHoldsMoreThanFivePercentInterest" scale="0" id="f-1160">191</ix:nonFraction> companies are associates of the Group, joint ventures or companies of which the Group holds more than <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="san:RateForWhichGroupHoldingInACompanyIsConsideredSignificantPercent" scale="-2" id="f-1161">5</ix:nonFraction>% (excluding the Group companies of negligible interest with respect to the fair presentation that the annual accounts must express).</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:130%">Grupo Santander consolidated financial statements for 2023 were approved by the shareholders at the group&#180;s annual general meeting on 22 March 2024. Grupo Santander consolidated financial statements for 2024 were approved by the shareholders at the group&#180;s annual general meeting on 4 April 2025. The Group's 2025 consolidated financial statements, the financial statements of the parent and of substantially all the Group companies have not been approved yet by their shareholders at the respective annual general meetings. However, Banco Santander board of directors considers that the aforementioned financial statements will be approved without any significant changes.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:continuation id="f-1158-2" continuedAt="f-1158-3"><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_847"></div><div style="margin-bottom:6pt"><span id="iec0a94ffd1fd41a3afa9feb654b1cf53"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) <ix:nonNumeric contextRef="c-1" name="san:DescriptionOfAccountingPolicyForBasisOfPresentationPolicyTextBlock" id="f-1162" continuedAt="f-1162-1" escape="true">Basis of presentation of the consolidated financial statements</ix:nonNumeric></span></div><ix:continuation id="f-1162-1" continuedAt="f-1162-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Under Regulation (EC) n.&#186; 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').</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:130%">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, on Public and Confidential Financial Reporting Standards and Financial Statement Formats and the following regulations. </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:130%">Particularly, during 2025 and 2023, the Bank of Spain published Circulars 1/2025 of 19 December of 2025, and 1/2023 of 24 February of 2023, amending Circular 4/2017 of 27 November to credit institutions on Public and Confidential Financial Reporting Standards and Financial Statement Formats.</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:130%">Grupo Santander consolidated financial statements for 2025 were authorised by the Bank's directors (at the board meeting on 24 February 2026) in accordance with International Financial Reporting Standards as adopted by the European Union and with Bank of Spain circular 4/2017 and subsequent modifications, and Spanish corporate and commercial law applicable to the Group, using the basis of consolidation, accounting policies and measurement bases set forth in note 2, accordingly, they present fairly the Group's equity and financial position at 31 December 2025, 2024 and 2023 and the consolidated results of its operations and the consolidated cash flows in 2025, 2024 and 2023. These consolidated annual accounts have been prepared on the basis of the accounting records held by Banco Santander and by each of the other companies of the Group, and include the adjustments and reclassifications required to standardise the accounting policies and valuation criteria applied by Grupo Santander. The consolidated financial statements are also in compliance with IFRS as issued by the International Accounting Standards Board ('IFRS &#8211; IASB' and together with IFRS adopted by the European Union, 'IFRS').</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:130%">The notes to the consolidated financial statements contain additional information to that presented in the consolidated balance sheet, consolidated income statement, consolidated statement of recognised income and expense, consolidated statement of changes in total equity and consolidated statement of cash flows. The notes provide, in a clear, relevant, reliable and comparable manner, narrative descriptions and breakdowns of these statements.</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:130%">The information contained in the consolidated income statement has been reclassified as a result of the change in the presentation for certain charges at 31 December 2025 in the amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-249" decimals="-6" name="ifrs-full:ProfitLoss" scale="6" id="f-1163">427</ix:nonFraction>&#160;million, mainly levies and other expenses, of which EUR <ix:nonFraction unitRef="eur" contextRef="c-250" decimals="-6" sign="-" name="ifrs-full:Provisions" scale="6" id="f-1164"><ix:nonFraction unitRef="eur" contextRef="c-249" decimals="-6" name="san:OtherOperatingExpense" scale="6" id="f-1165">359</ix:nonFraction></ix:nonFraction>&#160;million have been reclassified from the line item 'Other provisions' to the line item 'Other operating expenses'. </span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">The figures of the consolidated annual accounts are presented in millions of euros unless another alternative monetary unit is indicated, rounded to the nearest million unit.</span></div></ix:continuation></div></ix:continuation></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">140</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-123"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1162-2" continuedAt="f-1162-3"><ix:continuation id="f-1158-3" continuedAt="f-1158-4"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i5c5935c78f4d4dd7be2c8ba299bbc585"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Adoption of new standards and interpretations issued</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:130%">The following modifications came into force and were adopted by the European Union in 2025: </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IAS 21 Effects of changes in foreign currency exchange rates: IAS 21 established the requirements to apply when there is a temporary lack of interchangeability between two currencies, but did not give indications when this situation was not temporary. Given this scenario, IAS 21 has been modified establishing the criteria to identify these situations, specifying how entities should estimate the spot exchange rate, the methodologies and data to be considered, as well as the associated disclosure requirements. This modification was applied in advance by the Group on 31 December 2024. For more information, see Note 2.a.iv.</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:130%">The application of the aforementioned amendment to accounting standards and interpretations did not have any material effects on Grupo Santander consolidated financial statements.</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:130%">Likewise, at the date of approval of these consolidated annual accounts, the following standards which effectively came into force have effective dates after 31 December 2025:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;padding-left:3.11pt">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. These amendments will be applicable from 1 January 2026. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;padding-left:3.11pt">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. These modifications will be applicable form 1 January 2026. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IFRS 18 Presentation and Disclosure in Financial Statements, which replaces IAS 1 Presentation of Financial Statements, (i) improves the comparability of the income statement by defining its structure into three categories (operating, investing, and financing) and presenting defined subtotals, including operating profit; (ii) breaks down in the financial statements certain management-defined performance measures related to the income statement; and (iii) improves the aggregation of information for disclosure in the financial statements or notes. The new standard will be applicable from 1 January 2027.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IFRS 1 First-time Adoption of International Financial Reporting Standards, for hedge accounting in first adoption.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IFRS10 Consolidated Financial Statements: Determining a 'de facto agent'.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IAS 7 Statement of Cashflows: replacing the term 'cost method' with 'cost'.</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:121%">Finally, at the date of approval of these consolidated annual accounts, the following standards which effectively come into force after 31 December 2025 had not yet been adopted by the European Union:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IFRS 19 Subsidiaries without Public Accountability: Disclosures: this new standard works alongside other IFRS Accounting Standards. An eligible subsidiary applies the requirements in other IFRS Accounting Standards except for the disclosure requirements and instead applies the reduced disclosure requirements in IFRS 19. A subsidiary is eligible if: (i) it does not have public accountability; and (ii) it has an ultimate or intermediate parent that produces consolidated financial statements available for public use that comply with IFRS Accounting Standards. Applicable from 1 January 2027. </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IFRS 19 Subsidiaries without Public Accountability: Disclosures: these new amendments help eligible subsidiaries reduce disclosures related to IFRS standards and amendments issued between February 2021 and May 2024. With these amendments, IFRS 19 reflects the IFRS changes that will take effect up to 1 January 2027, when IFRS 19 will become applicable.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Amendments to IAS 21 The effects of Changes in Foreign Exchange Rates: Translation to a Hyperinflationary Presentation Currency: establishes how to translate financial statements when the presentation currency is subject to hyperinflation. Requires converting all amounts, including comparatives, at the closing exchange rates and restating them in accordance with IAS 29. Furthermore, introduces additional disclosures to enhance comparability and reduce diversity in practice. Applicable from 1 January 2027, with early application permitted. </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander is currently analyzing the possible effects of these new standards and interpretations, and unless expressly indicated otherwise, no significant impacts are expected from their application.</span></div></div></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">141</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-124"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-1162-3"><ix:continuation id="f-1158-4" continuedAt="f-1158-5"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">During 2025, the Group completed the project to adapt its accounting policies relating to hedging transactions to the hedge accounting requirements set out in IFRS 9 (see Note 2.d.v). The main impacts of this change on the accounting for hedging relationships are primarily due to: (i) the mandatory separation of the time value of options (when the hedged risk is the intrinsic value); (ii) and the optional separation of the forward element of foreign exchange forward contracts for all hedges, as well as (iii) the separation of the foreign currency basis spread of a foreign exchange derivative for each hedging relationship. The application of these options to hedges designated before 31 December 2024 did not have a material impact on the Group's consolidated statement of financial position or consolidated profit or loss.</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:130%">All accounting policies and measurement bases with a material effect on the consolidated financial statements for 2025 were applied in the preparation of these consolidated annual accounts.</span></div></ix:continuation></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_850"></div><ix:continuation id="f-1158-5" continuedAt="f-1158-6"><div style="margin-bottom:6pt;margin-top:9pt"><span id="ic5631b4734934331b08987495b30ceec"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory" id="f-1166" continuedAt="f-1166-1" escape="true">Use of accounting estimates</ix:nonNumeric></span></div><ix:continuation id="f-1166-1" continuedAt="f-1166-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The consolidated results and the determination of consolidated equity are sensitive to the accounting policies, measurement bases and estimates used by Banco Santander in preparing the consolidated financial statements.</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:130%">The main accounting policies and measurement bases are set forth in note 2.</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:130%">In the consolidated financial statements estimates were occasionally made by the senior management of Grupo Santander in order to quantify certain of the assets, liabilities, income, expenses and obligations reported herein. These estimates, which were made on the basis of the best information available, relate basically to the following:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The impairment losses on certain assets: it applies to financial assets at fair value through other comprehensive income, financial assets at amortised cost, non-current assets held for sale, investments, tangible assets and intangible assets (see Notes 6, 7, 10, 12, 13, 16, 17, 18 and 54).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The assumptions used in the actuarial calculation of the post-employment benefit liabilities and commitments and other obligations (see Note 25).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The useful life of the tangible and intangible assets (see Notes 16 and 18).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The measurement of the impairment in goodwill arising on consolidation (see Note 17).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The calculation of provisions and the consideration of contingent liabilities (see Note 25).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The fair value of certain unquoted assets and liabilities (see Notes 6, 7, 8, 9, 10, 11, 20, 21 and 22).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The recoverability of deferred tax assets (see Note 27).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The fair value of the identifiable assets acquired and the liabilities assumed in business combinations in accordance with IFRS 3 (see Note 17).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The measurement of assets under reinsurance contracts and liabilities under insurance contracts (see Note 15).</span></div></ix:continuation></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-1158-6" continuedAt="f-1158-7"><ix:continuation id="f-1166-2" continuedAt="f-1166-3"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">To update the previous estimates, the Group's management has taken into account the current macroeconomic scenario, characterized by persistent geopolitical tensions and changing financial conditions, as well as the evolution of monetary and fiscal policies in major economies. The analysis also considers developments in interest rates, credit spreads, and currency movements, along with labor market trends in the geographies where the Group operates. </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:130%">The Group's management has evaluated in particular the uncertainties caused by the current environment 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, 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, developing in the notes the main estimates made during the period ended December 31, 2025 (see notes 10, 17, 50 and 54). </span></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"><ix:continuation id="f-1166-3">Although these estimates have been made on the basis of the best information available at the end of the year 2025, and considering information updated at the date of preparation of these consolidated annual accounts, it is possible that events that may take place in the future may make it necessary to modify them (upwards or downwards) in the coming years, which would be done, if appropriate, in a prospective manner, recognising the effects of the change in estimate in the corresponding consolidated income statement.</ix:continuation> </span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_853"></div><ix:continuation id="f-1158-7" continuedAt="f-1158-8"><div style="margin-bottom:6pt;margin-top:9pt"><span id="ica94a5d04b5b4435bfdf221d2b51bbbd"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Information relating to 2024 and 2023</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:130%">The information in the consolidated income statement from 2024 and 2023 has been restated, as a result of the agreement for the sale of Santander Bank Polska S.A. by Grupo Santander, as required by IFRS 5 (see, mainly, Notes 3 and 37, as well as the rest of the notes of the profit and loss account).</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:130%">Additionally, the segment information corresponding to the years ended 31 December 2024 and 2023 has been restated, in accordance with the changes in the segments' composition of Grupo Santander, as required by IFRS 8 (see note 52).</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:130%">The information contained in the consolidated income statements relating to the periods 2024 and 2023 has been modified as a result of the retrospective application of the change in the presentation for certain charges in the amounts of EUR <ix:nonFraction unitRef="eur" contextRef="c-251" decimals="-6" name="ifrs-full:ProfitLoss" scale="6" id="f-1167">403</ix:nonFraction>&#160;million and EUR <ix:nonFraction unitRef="eur" contextRef="c-252" decimals="-6" name="ifrs-full:ProfitLoss" scale="6" id="f-1168">352</ix:nonFraction>&#160;million, respectively (see Note 1.b).</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:130%">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 Grupo Santander in view of its geographic diversity (see note 52.b) and the impact of the appreciation/depreciation of the various currencies against the euro in 2025, based on the exchange rates at the end of 2025: Mexican peso (<ix:nonFraction unitRef="number" contextRef="c-253" decimals="4" name="san:ForeignCurrencyExchangeRateChangePercentage" scale="-2" id="f-1169">2.05</ix:nonFraction>%), US dollar (-<ix:nonFraction unitRef="number" contextRef="c-254" decimals="4" sign="-" name="san:ForeignCurrencyExchangeRateChangePercentage" scale="-2" id="f-1170">11.62</ix:nonFraction>%), Brazilian real (-<ix:nonFraction unitRef="number" contextRef="c-255" decimals="4" sign="-" name="san:ForeignCurrencyExchangeRateChangePercentage" scale="-2" id="f-1171">0.47</ix:nonFraction>%), Argentinian peso (-<ix:nonFraction unitRef="number" contextRef="c-256" decimals="4" sign="-" name="san:ForeignCurrencyExchangeRateChangePercentage" scale="-2" id="f-1172">37.23</ix:nonFraction>%), Sterling pound (-<ix:nonFraction unitRef="number" contextRef="c-257" decimals="4" sign="-" name="san:ForeignCurrencyExchangeRateChangePercentage" scale="-2" id="f-1173">4.99</ix:nonFraction>%), Chilean peso (-<ix:nonFraction unitRef="number" contextRef="c-258" decimals="4" sign="-" name="san:ForeignCurrencyExchangeRateChangePercentage" scale="-2" id="f-1174">2.57</ix:nonFraction>%), and Polish zloty (<ix:nonFraction unitRef="number" contextRef="c-259" decimals="4" name="san:ForeignCurrencyExchangeRateChangePercentage" scale="-2" id="f-1175">1.30</ix:nonFraction>%); as well as the evolution of the comparable average rates: Mexican peso (-<ix:nonFraction unitRef="number" contextRef="c-253" decimals="4" sign="-" name="san:ForeignCurrencyExchangeRateChangeInAverageRateAsPercent" scale="-2" id="f-1176">8.95</ix:nonFraction>%), US dollar (-<ix:nonFraction unitRef="number" contextRef="c-254" decimals="4" sign="-" name="san:ForeignCurrencyExchangeRateChangeInAverageRateAsPercent" scale="-2" id="f-1177">4.15</ix:nonFraction>%), Brazilian real (-<ix:nonFraction unitRef="number" contextRef="c-255" decimals="4" sign="-" name="san:ForeignCurrencyExchangeRateChangeInAverageRateAsPercent" scale="-2" id="f-1178">7.86</ix:nonFraction>%), Sterling pound (-<ix:nonFraction unitRef="number" contextRef="c-257" decimals="4" sign="-" name="san:ForeignCurrencyExchangeRateChangeInAverageRateAsPercent" scale="-2" id="f-1179">1.20</ix:nonFraction>%), Chilean peso (-<ix:nonFraction unitRef="number" contextRef="c-258" decimals="4" sign="-" name="san:ForeignCurrencyExchangeRateChangeInAverageRateAsPercent" scale="-2" id="f-1180">4.90</ix:nonFraction>%) and Polish zloty (<ix:nonFraction unitRef="number" contextRef="c-259" decimals="4" name="san:ForeignCurrencyExchangeRateChangeInAverageRateAsPercent" scale="-2" id="f-1181">1.56</ix:nonFraction>%).</span></div></ix:continuation></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">142</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_856"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-125"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1158-8" continuedAt="f-1158-9"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i41c300dff0b949d19329278ce1680516"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">e) Capital management</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i212efa7d58ed46bd842e545ff56a9c9d"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Regulatory and economic capital</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:130%">Credit institutions must comply with a set of minimum capital and liquidity requirements. These minimum requirements are regulated by the European Capital Requirements Regulation (CRR), which is directly applicable within the Spanish legal framework, and by the Capital Requirements Directive (CRD).</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:130%">On 19 June 2024, the final texts of the update to the banking package were published in the Official Journal of the European Union: Regulation (EU) 2024/1623 (hereinafter, CRR 3), which amends the CRR with regard to requirements for credit risk, credit valuation adjustment risk, operational risk, market risk and the floor on risk-weighted assets (known as the output floor), as well as Directive (EU) 2024/1619 (hereinafter, CRD VI), which amends the CRD as regards supervisory powers, sanctions, third-country branches, and environmental, social and governance risks.</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:130%">The update to the banking package aims, on the one hand, to implement the final Basel III reforms and, on the other, to strengthen the harmonisation of banking supervision within the European Union (EU).</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:130%">CRR 3, applicable since 1 January 2025, introduce greater risk sensitivity into standardised approaches, reduce the variability of risk-weighted assets among banks using internal models to calculate capital requirements, and enhance comparability across banks. </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:130%">Under CRD VI, the ambition to achieve more robust supervision and to safeguard financial stability is reflected in a set of rules affecting fit-and-proper requirements, an extended scope resulting from the revision of certain definitions, and new provisions regarding the establishment of third-country branches in the EU, with the aim of achieving greater regulatory harmonisation and improved supervision of this type of entity.</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:130%">Although most CRR 3 provisions apply since 1 January 2025, for certain provisions the regulator has established a gradual implementation (phase-in) period until 2030 in order to give the industry sufficient time to build up the capital required to meet the requirements on a fully loaded basis.</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:130%">Regarding Market Risk, the European Commission and the European Parliament have approved an additional 12-month delay to the entry into force of the new market risk capital framework, or FRTB, until 1 January 2027. Beyond this date, the CRR 3 does not allow for any further delay, as postponements are limited to two years. This delay also covers other provisions, such as the separation between the trading book and the banking book, the internal risk transfer regime, etc.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The CRR 3/CRD VI package contains 140 mandates for the EBA to develop Level 2 or Level 3 legislation (regulatory technical standards, implementing technical standards and guidelines&#8212;RTS, ITS and GL, for their acronyms) and to issue opinions and reports to further specify certain aspects of the regulation. In this context, the EBA published its roadmap (EBA Roadmap) at the end of 2023, structuring the implementation of the banking package around four sequential phases, under which the authority will address the various mandates in an orderly manner based on their latest legal application dates (up to four years after the entry into force of CRR 3 and CRD VI). In addition, at the end of 2024, the EBA published its 2025 work programme, setting out the guidelines for addressing these mandates during the year. This has resulted in the publication of various consultations throughout the year on RTS, ITS and Guidelines, such as, for example:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Regulatory Technical Standards (RTS) on off-balance-sheet exposures and unconditionally cancellable commitments</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Regulatory Technical Standards (RTS) on material changes to IRB models and model extensions</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Revision of the Guidelines on the revised definition of default</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Regulatory Technical Standards (RTS) and Implementing Technical Standards (ITS) on operational risk</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:130%">In its 2025 Work Programme, the EBA undertook, among other initiatives, the revision of the SREP Guidelines, the consultation for which was published on 24 October, with the aim of updating them based on three pillars: legislative changes (CRR 3 and CRD VI, IRRBB/CSRBB, DORA, etc.), lessons learned, and structural changes intended to improve the usability of the Guidelines. The consultation period was set to run until early February 2026, and following the conclusion of the consultation process, the Guidelines are expected to enter into force on 1 January 2027.</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:130%">On 28 July 2025, the ECB published a revised version of its Guide to Internal Models, with the objective of reflecting the regulatory changes introduced by CRR 3 in relation to internal models for credit, counterparty credit and market risk; clarifying supervisory expectations for internal models that make use of machine learning; and enhancing transparency and supervisory harmonisation. This revision builds on the experience accumulated by the ECB since the first publication of the Guide in 2019.</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:130%">On 25 July 2025, the ECB also published the final Guide on Options and Discretions, following a consultation process launched in November 2024. The Guide introduces clarifications and adjustments to the treatment of market risk and operational risk, as well as to the conditions under which minority interests may be included in group capital, among other aspects.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">143</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-126"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1158-9" continuedAt="f-1158-10"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Regarding resolution regulation, institutions are required to maintain an adequate funding structure to ensure that, in the event of financial distress, they hold sufficient liabilities to absorb losses and either restore viability or be resolved while safeguarding depositor protection and financial stability. To this end, global systemically important institutions are subject to minimum loss-absorbing capacity requirements, namely Total Loss-Absorbing Capacity (TLAC) and the Minimum Requirement for own funds and Eligible Liabilities (MREL), as regulated under CRR 3 and the Bank Recovery and Resolution Directive (BRRD).</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:130%">On 25 October 2022, a regulation on the prudential treatment of global systemically important institutions was published, amending both the CRR and the BRRD with respect to the prudential treatment of G-SIBs with a multiple point of entry (MPE) resolution strategy, as well as the methods for the indirect subscription of eligible instruments (daisy chains) for the purpose of meeting MREL requirements. This regulation, known as the Resolution 'Quick Fix', pursues two main objectives:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The inclusion in the BRRD and CRR 3 of references to third-country subsidiaries allowing for adjustments to the deduction for holdings of TLAC instruments issued by such subsidiaries, based on excess TLAC/MREL at subsidiary level, as well as adjustments in cases where the aggregate own funds and eligible liabilities requirements of a G-SIB under an MPE strategy exceed the theoretical requirements of the same group under a single point of entry (SPE) strategy. This adjustment is therefore based on a comparison between the two possible resolution strategies.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The introduction of a deduction regime for holdings of MREL instruments through entities within the same resolution group other than the resolution entity. The Regulation establishes a deduction at the level of the intermediate entity within the daisy chain that repurchases the instruments. As a result, the intermediate entity is required to issue an equivalent amount, thereby transferring internal MREL needs to the resolution entity, which will cover them with external MREL.</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:130%">In this context, in 2025 the EBA published the Final Report on the draft Implementing Technical Standards (ITS) on resolution planning, aimed at further harmonising reporting requirements.</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:130%">Regarding Deposit Guarantee Schemes (DGS), these are regulated under the Deposit Guarantee Schemes Directive (DGSD), which has not undergone substantial amendments since its publication in 2014. The Directive aims to harmonise DGS across Member States to ensure stability and consistency across countries. It establishes an appropriate framework to improve depositor access to DGS through a clear scope of coverage, short repayment periods, enhanced information, and robust funding requirements. The Directive has been transposed into Spanish law through Royal Decree 2606/1996, as amended by Royal Decree 1041/2021.</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:130%">To ensure the protection of depositors, DGS collect financial resources through contributions from their members, which must be paid at least annually. These annual contributions are determined based on the number of covered deposits and the risk profile of the institutions affiliated with the DGS. The methodology for calculating contributions is set out in the EBA Guidelines (EBA/GL/2023/02).</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In June 2025, the Council and the European Parliament reached a political agreement, which still needs to be finalized at a technical level as a prerequisite for its final formal approval.</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:130%">Within the sustainability field from a prudential perspective, the implementation of the CRR 3/CRD VI package has progressed, introducing specific requirements to integrate environmental, social and governance (ESG) risks into the prudential framework. With the aim of assessing whether a specific prudential treatment is warranted, the CRR establishes three mandates: to assess the availability of ESG risk data; to evaluate the effective risk profile of exposures affected by environmental or social factors; and to analyse the potential effects on financial stability of differentiated prudential treatment, with a view to possible legislative proposals by 31 December 2026.</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:130%">In addition, the CRR 3/CRD VI package introduces disclosure requirements on ESG risks, reporting of ESG risk exposures to competent authorities, and an obligation for institutions to develop specific plans for managing financial risks arising from ESG factors, including those related to transition trends.</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:130%">In this context, the EBA published in January 2025 the Guidelines on the Management of ESG Risks, fulfilling the CRD VI mandate to structurally integrate ESG risks into the European prudential framework. These Guidelines set out minimum standards and reference methodologies for the identification, measurement, management and monitoring of ESG risks, as well as their proper integration into internal governance processes, risk appetite frameworks and strategic planning. The Guidelines also specify minimum requirements for the development of transition plans, which must include metrics, quantifiable targets and time-bound milestones aligned with institutions&#8217; sustainability strategies and prudential requirements. Their application will be mandatory from 11 January 2026, consolidating a prudential framework that strengthens the systematic consideration of ESG risks in supervisory and risk management processes.</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:130%">At the international level, the Basel Committee on Banking Supervision (BCBS) has continued to advance work on ESG-related standards. In June 2025, the Committee published a voluntary framework for the disclosure of climate-related financial risks, aimed at guiding internationally active banks in the provision of qualitative and quantitative information on their exposures to physical and transition risks. The framework acknowledges the still nascent state of climate data availability, consistency and quality, and therefore adopts a flexible approach that allows for the use of different metrics and methodologies. While its adoption will depend on jurisdictional decisions, the Committee considers this framework an important step towards enhancing transparency and international comparability of climate risk disclosures and intends to monitor its implementation with a view to potential future revisions.</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:130%">In the digital field, due to the increase in international crypto assets activities, the EU is moving forward with the integration of Basel standards on crypto-assets through the mandate set out in CRR 3, which will enable the establishment of a harmonised prudential treatment once the legislative process is completed. In fulfilment of the CRR 3 mandate, the EBA has finalised and published the draft Regulatory Technical Standards (RTS) applicable to the calculation of own funds requirements for crypto-asset exposures.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">144</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-127"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-1158-10" continuedAt="f-1158-11"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025 Grupo Santander met the minimum capital requirements established by current legislation (see note 54.d). Additionally, it should be noted that the Group has filed an appeal with the Court of Justice of the European Union (CJEU) requesting the annulment of a decision by the European Central Bank (ECB) related to the treatment of deferred tax assets generated at Banco Santander Brasil, which, if resolved favourably, would have a positive impact of approximately <ix:nonFraction unitRef="number" contextRef="c-1" decimals="4" name="san:PositiveImpactOnCommonEquityTierOneCapitalRadio" scale="-4" id="f-1182">20</ix:nonFraction> basis points on the Group's CET1, using the amounts at the end of the year.</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_859"></div><ix:continuation id="f-1158-11" continuedAt="f-1158-12"><div style="margin-bottom:6pt;margin-top:9pt"><span id="ie70a1de3b55a44b49271d59845b59f5e"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">f) Environmental impact</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:130%">In view of the business activities carried on by the Group entities, the Group does not have any environmental liability, expenses, assets, provisions or contingencies that might be material with respect to its consolidated equity, financial position or results (see note 54.a).</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i473fe5075f69455fbd86999117be9fde"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">g) Events after the reporting perio</span><span style="background-color:#ffffff;color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d</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:130%">On 9 January 2026, after obtaining the necessary regulatory approvals and fulfilling the conditions for closing, the Group completed the sale of <ix:nonFraction unitRef="number" contextRef="c-260" decimals="2" name="san:SaleOfProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-1183">49</ix:nonFraction>% of the share capital of Santander Bank Polska S.A. and <ix:nonFraction unitRef="number" contextRef="c-261" decimals="2" name="san:SaleOfProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-1184">50</ix:nonFraction>% of the share capital of Santander Towarzystwo Funduszy Inwestycyjnych S.A. (TFI, the asset management business in Poland) to Erste Group Bank AG for a total cash amount of approximately EUR <ix:nonFraction unitRef="eur" contextRef="c-262" decimals="-6" sign="-" name="ifrs-full:ConsiderationPaidReceived" format="ixt:num-dot-decimal" scale="6" id="f-1185">7,000</ix:nonFraction> million. The transaction generated a net capital gain of approximately EUR <ix:nonFraction unitRef="eur" contextRef="c-262" decimals="-6" name="san:GainsLossesOnDisposalOfSubsidiaries" format="ixt:num-dot-decimal" scale="6" id="f-1186">1,900</ix:nonFraction> million, which will be recognized in the consolidated income statement for the 2026 financial year. Santander holds the <ix:nonFraction unitRef="number" contextRef="c-263" decimals="3" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-1187">9.7</ix:nonFraction>% of Santander Polska's share capital. </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:130%">The transaction resulted in the loss of effective control over the entity, and therefore, effective as of 9 January 2026, Santander Bank Polska S.A. will cease to be consolidated using the global integration method in the Group's consolidated financial statements from that date forward.</span></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"><ix:continuation id="f-1158-12">Additionally, on 3 February 2026, Banco Santander, S.A. ('Santander') announced that it had reached an agreement to acquire Webster Financial Corporation ('Webster'), the parent company of Webster Bank, N.A., for approximately USD <ix:nonFraction unitRef="usd" contextRef="c-264" decimals="-6" name="ifrs-full:ConsiderationPaidReceived" format="ixt:num-dot-decimal" scale="6" id="f-1188">12,200</ix:nonFraction>&#160;million (around EUR <ix:nonFraction unitRef="eur" contextRef="c-264" decimals="-6" name="ifrs-full:ConsiderationPaidReceived" format="ixt:num-dot-decimal" scale="6" id="f-1189">10,300</ix:nonFraction>&#160;million). Webster shareholders will receive USD <ix:nonFraction unitRef="usdPerShare" contextRef="c-264" decimals="2" name="san:PortionOfConsiderationPaidReceivedInCashPerShare" scale="0" id="f-1190">48.75</ix:nonFraction> in cash and <ix:nonFraction unitRef="shares" contextRef="c-264" decimals="4" name="san:ConsiderationPaidReceivedInSharesPerShare" scale="0" id="f-1191">2.0548</ix:nonFraction> Santander shares for each Webster share, resulting in a total consideration of USD <ix:nonFraction unitRef="usdPerShare" contextRef="c-265" decimals="0" name="san:ConsiderationPaidReceivedInCashPerShare" scale="0" id="f-1192">75</ix:nonFraction> per Webster share. Completion of the transaction is expected to take place in the second half of 2026 subject to the customary conditions for this type of operations, including obtaining the relevant regulatory approvals and the approvals of both Webster's and Santander's shareholders.</ix:continuation> </span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_862"></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfMaterialAccountingPolicyInformationExplanatory" id="f-1193" continuedAt="f-1193-1" escape="true"><div style="margin-bottom:6pt"><span id="i6c87437ff51a472999bdb1c94b145450"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">2. Accounting p</span><span style="color:#ee2724;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">olicies</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:130%">The accounting policies applied in preparing the consolidated financial statements were as follows:</span></div></ix:nonNumeric><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_868"></div><ix:continuation id="f-1193-1" continuedAt="f-1193-2"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i313075a9d33d42f0964c13ee80431ee7"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) <ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory" id="f-1194" continuedAt="f-1194-1" escape="true">Foreign currency transactions</ix:nonNumeric></span></div><ix:continuation id="f-1194-1" continuedAt="f-1194-2"><div style="margin-bottom:3pt"><span id="i32af6d7657084157bd41fbca042d4a16"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:115%">i. Presentation currency</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:130%">Banco Santander&#8217;s functional and presentation currency is the euro. Also, the presentation currency of the Group is the euro.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="if390cf64de9b4b70a7214304d13a92d3"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Translation of foreign currency balances</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:130%">Foreign currency balances are translated to euros in <ix:nonFraction unitRef="stage" contextRef="c-1" decimals="INF" name="san:ForeignCurrencyTranslationsNumberOfStages" format="ixt-sec:numwordsen" scale="0" id="f-1195">two</ix:nonFraction> consecutive stages:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Translation of foreign currency to the functional currency (currency of the main economic environment in which the entity operates).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Translation to euros of the balances held in the functional currencies of entities whose functional currency is not the euro.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i038cd23e6ca643d4819cd5041865c4b7"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Translation of foreign currency to the functional currency</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:130%">Foreign currency transactions performed by consolidated entities (or entities accounted for using the equity method) not located in European Monetary Union ('EMU') countries are initially recognised in their respective currencies. Monetary items in foreign currency are subsequently translated to their functional currencies using the closing rate.</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:130%">Furthermore:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Non-monetary items measured at historical cost are translated to the functional currency at the exchange rate at the date of acquisition.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Non-monetary items measured at fair value are translated at the exchange rate at the date when the fair value was determined.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Income and expenses are translated at the average exchange rates for the&#160;year for all the transactions performed during the&#160;year. When applying this criterion, the Group considers whether there have been significant changes in the exchange rates in the&#160;year which, in view of their materiality with respect to the consolidated financial statements taken as a whole, would make it necessary to use the exchange rates at the transaction date rather than the aforementioned average exchange rates.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The balances arising from non-hedging forward foreign currency/foreign currency and foreign currency/euro purchase and sale transactions are translated at the closing rates prevailing in the forward foreign currency market for the related maturity.</span></div></ix:continuation></ix:continuation></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">145</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-128"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1194-2" continuedAt="f-1194-3"><ix:continuation id="f-1193-2" continuedAt="f-1193-3"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i18072ffb95a34673a45789fb5332e5c4"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Translation of functional currencies to euros</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:130%">The balances in the financial statements of consolidated entities (or entities accounted for using the equity method) whose functional currency is not the euro are translated to euros as follows:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">-</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt">Assets and liabilities, at the closing rates.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">-</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt">Income and expenses, at the average exchange rates for the&#160;year.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">-</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt">Equity items, at the historical exchange rates.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ia47d2d78cd61478f8daf4a551a61006e"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Recognition of exchange differences</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:130%">The exchange differences arising on the translation of foreign currency balances to the functional currency are generally recognised at their net amount under 'Exchange differences, net' in the consolidated income statement, except for exchange differences arising on financial instruments at fair value through profit or loss, which are recognised in the consolidated income statement without distinguishing them from other changes in fair value, and for exchange differences arising on non-monetary items measured at fair value through equity, which are recognised under 'Other comprehensive income&#8211;Items that may be reclassified to profit or loss&#8211;Exchange differences' except for exchange differences on equity instruments, where the option to irrevocably elect to be measured at fair value through changes in accumulated other comprehensive income, which are recognised in accumulated 'Other Comprehensive Income - Items not to be reclassified to profit or loss - Changes in fair value of equity instruments measured at fair value' through other comprehensive income (see note 29).</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:130%">The exchange differences arising on the translation to euros of the financial statements denominated in functional currencies other than the euro are recognised in 'Other comprehensive income&#8211;Items that may be reclassified to profit or loss&#8211;Exchange differences' in the consolidated balance sheet, whereas those arising on the translation to euros of the financial statements of entities accounted for using the equity method are recognised in equity under 'Other comprehensive income&#8211;Items that may be reclassified to profit or loss and Items not reclassified to profit or loss&#8211;Other recognised income and expense' of investments in subsidiaries, joint ventures and associates (see note 29), until the related item is derecognised, at which time they are recognised in profit or loss.</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:130%">Exchange differences arising on actuarial gains or losses when converting to euros the financial statements denominated in the functional currencies of entities whose functional currency is different from the euro are recognised under equity 'Other comprehensive income&#8211;Items not reclassified to profit or loss&#8211;Actuarial gains or (-) losses' on defined benefit pension plans (see note 29).</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span id="ie550674534bb4738b172fb9dfd58a54d"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iv. Entities located in hyperinflationary economies</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:130%">When a subsidiary operates in a country with hyperinflationary economy, IAS 29 Financial Information in Hyperinflationary Economies is applied, which means that:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Historical cost of non-monetary assets and liabilities and of the various items of equity have to be adjusted to reflect the changes in the purchasing power of the currency due to inflation from their date of acquisition or incorporation into the consolidated balance sheet.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">The different items of the income statement are adjusted by the inflationary index since their generation, with a balancing entry in 'Other comprehensive income'.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">The loss on the net monetary position is recorded in the income for the year against 'Accumulated Other comprehensive income'.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">All components of the financial statements of the subsidiary are translated at the closing exchange rate.</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:130%">The deterioration of the economic situation in Argentina over the last years caused, among other impacts, a significant increase in inflation, which by the end of 2018 had reached <ix:nonFraction unitRef="number" contextRef="c-266" decimals="2" name="san:InflationRate" scale="-2" id="f-1196">48</ix:nonFraction>% per year (<ix:nonFraction unitRef="number" contextRef="c-267" decimals="2" name="san:InflationRate" scale="-2" id="f-1197">147</ix:nonFraction>% accumulated in three years). This led the Group to conclude that it was necessary to apply IAS 29 Financial Information in Hyperinflationary Economies to its activities in the country in question in its consolidated financial statements from that year on.</span></div><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2024, Grupo Santander decided to apply an alternative exchange rate for the conversion of its Argentine business in the preparation of its consolidated annual accounts. This decision stemmed from the divergence observed between the official exchange rate and certain macroeconomic variables, primarily inflation, coupled with the fact that for certain transactions, such as the repatriation of dividends, the exchange rate implied in orderly transactions between market participants did not correspond to the official exchange rate. As of 31 December 2024, the alternative exchange rate used was based on the CCL dollar ('c</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:130%">ontado con liquidaci&#243;n'</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">), which is the exchange rate resulting from the sale in US dollars of local bonds denominated in Argentine pesos (bonds with dual peso dollar/denomination). At that date, this rate did not differ significantly from other market rates.</span></div><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">From the second quarter of 2025, and considering the liberalization of the foreign exchange market and the elimination of restrictions on the purchase of foreign currency by individuals, and the value of this CCL dollar exchange rate did not differ significantly from other market rates and the official exchange rate, Grupo Santander started using the official exchange rate as a reference once again. </span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Inflation during 2025, according to the national consumer price index published by the National Statistics and Census Institute, wa</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">s <ix:nonFraction unitRef="number" contextRef="c-109" decimals="3" name="san:InflationRate" scale="-2" id="f-1198">31.5</ix:nonFraction>% for the year (<ix:nonFraction unitRef="number" contextRef="c-110" decimals="3" name="san:InflationRate" scale="-2" id="f-1199">117.8</ix:nonFraction>% at 31 December 2024). The official exchange rate as 31 December 2025 was <ix:nonFraction unitRef="argentian_pesoPerEUR" contextRef="c-268" decimals="2" name="ifrs-full:ClosingForeignExchangeRate" format="ixt:num-dot-decimal" scale="0" id="f-1200">1,706.38</ix:nonFraction> Argentine pesos per euro (<ix:nonFraction unitRef="argentian_pesoPerEUR" contextRef="c-269" decimals="2" name="ifrs-full:ClosingForeignExchangeRate" format="ixt:num-dot-decimal" scale="0" id="f-1201">1,071.16</ix:nonFraction> Argentine pesos per euro </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">at 31 December 2024). The exchange rate applied by the Group as at 31 December 2024 was <ix:nonFraction unitRef="argentian_pesoPerEUR" contextRef="c-269" decimals="2" name="san:ClosingForeignExchangeRateAppliedHyperinflationaryEconomy" format="ixt:num-dot-decimal" scale="0" id="f-1202">1,232.39</ix:nonFraction> Argentine pesos per euro.</span></div></div></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">146</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-129"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1194-3"><ix:continuation id="f-1193-3" continuedAt="f-1193-4"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025, no other country in which the consolidated and associated entities of Grupo Santander are located is considered to have a hyperinflati</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">onary economy in accordance with the criteria establ</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ished in this regard by the International Financial Reporting Standards adopted by the European Union. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i84b8f9220b604b46b4cbd974862c94c9"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">v. Exposure to foreign currency risk</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:130%">Grupo Santander hedges a portion of its long-term foreign currency positions using foreign exchange derivative financial instruments (see note&#160;36). Also, the Group manages foreign exchange risk dynamically by hedging its short-term position (with a potential impact on profit or loss) in order to limit the impact of currency depreciations while optimising the cost of financing the hedges.</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:130%">The following tables show the sensitivity of the consolidated income statement and consolidated equity to percentage changes of &#177; 1% in the foreign exchange rate positions arising from investments in Grupo Santander companies with currencies other than the euro (with its hedges) and in their results (with its hedges), in which the Group maintains significant balances.</span></div><ix:nonNumeric contextRef="c-1" name="san:ScheduleOfSensitivityAnalysisOfConsolidatedEquityAndProfitOf1AppreciationDepreciationOfEuroTableTextBlock" id="f-1203" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The estimated effect on the consolidated equity attributable to Grupo Santander and on consolidated profit and loss account of a <ix:nonFraction unitRef="number" contextRef="c-2" decimals="INF" name="san:PercentageOfReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="-2" id="f-1204">1</ix:nonFraction>% appreciation of the euro against the corresponding currency 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:99.782%"><tr><td style="width:1.0%"/><td style="width:20.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.245%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.245%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.245%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.245%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.245%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.250%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Effect&#160;on&#160;<br/>consolidated&#160;equity</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Effect&#160;on&#160;<br/>consolidated&#160;profit</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Currency</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">US dollar</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-270" decimals="-5" name="san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1205">135.0</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-271" decimals="-5" name="san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1206">168.4</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-272" decimals="-5" name="san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1207">136.9</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-270" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1208">2.5</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-271" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1209">3.9</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-272" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1210">3.4</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chilean peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-273" decimals="-5" name="san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1211">8.8</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-274" decimals="-5" name="san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1212">15.3</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-275" decimals="-5" name="san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1213">35.3</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-273" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1214">4.3</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-274" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1215">2.1</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-275" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1216">2.3</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pound sterling</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-276" decimals="-5" name="san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1217">88.1</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-277" decimals="-5" name="san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1218">96.5</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-278" decimals="-5" name="san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1219">79.1</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-276" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1220">7.6</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-277" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1221">4.4</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-278" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1222">3.1</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexican peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-279" decimals="-5" name="san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1223">32.5</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-280" decimals="-5" name="san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1224">33.9</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-281" decimals="-5" name="san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1225">36.4</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-279" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1226">0.5</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-280" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1227">0.5</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-281" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1228">0.1</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazilian real</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-282" decimals="-5" name="san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1229">141.2</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-283" decimals="-5" name="san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1230">144.1</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-284" decimals="-5" name="san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1231">175.7</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-282" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1232">0.8</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-283" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1233">4.3</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-284" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1234">6.5</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Polish zloty</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-285" decimals="-5" name="san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" 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contextRef="c-287" decimals="-5" name="san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1237">48.8</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-285" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" format="ixt:fixed-zero" scale="6" id="f-1238">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-286" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1239">0.4</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-287" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" format="ixt:fixed-zero" scale="6" id="f-1240">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentine peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-288" decimals="-5" name="san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1241">21.3</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-289" decimals="-5" name="san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1242">18.3</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-290" decimals="-5" name="san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1243">7.5</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-288" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1244">3.7</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-289" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1245">6.6</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-290" decimals="-5" name="san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" scale="6" id="f-1246">4.2</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></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:130%">Similarly, the estimated effect on the Group&#8217;s consolidated equity and on consolidated profit and loss account of a <ix:nonFraction unitRef="number" contextRef="c-2" decimals="INF" name="san:PercentageOfReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="-2" id="f-1247">1</ix:nonFraction>% depreciation of the euro against the corresponding currency 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:99.782%"><tr><td style="width:1.0%"/><td style="width:20.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.245%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.245%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.245%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.245%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.245%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.250%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Effect&#160;on&#160;<br/>consolidated&#160;equity</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Effect&#160;on&#160;<br/>consolidated&#160;profit</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Currency</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">US dollar</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-254" decimals="-5" name="san:IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1248">137.8</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-291" decimals="-5" name="san:IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1249">171.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-292" decimals="-5" name="san:IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1250">139.7</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-254" decimals="-5" name="san:IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1251">2.5</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-291" decimals="-5" name="san:IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1252">4.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-292" decimals="-5" name="san:IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1253">3.4</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chilean peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-258" decimals="-5" name="san:IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1254">9.0</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-293" decimals="-5" name="san:IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1255">15.6</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-294" decimals="-5" name="san:IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1256">36.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-258" decimals="-5" name="san:IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1257">4.4</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-293" decimals="-5" name="san:IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1258">2.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-294" decimals="-5" name="san:IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1259">2.3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pound sterling</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-257" decimals="-5" name="san:IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1260">89.9</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-295" decimals="-5" name="san:IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1261">98.4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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id="f-1263">7.7</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-295" decimals="-5" name="san:IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1264">4.5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-296" decimals="-5" name="san:IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1265">3.1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexican peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-253" decimals="-5" name="san:IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1266">33.1</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-297" decimals="-5" name="san:IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1267">34.6</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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name="san:IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1271">0.1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazilian real</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-255" decimals="-5" name="san:IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1272">144.0</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-299" decimals="-5" name="san:IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1273">147.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-300" decimals="-5" name="san:IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1274">179.3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-255" decimals="-5" name="san:IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1275">0.9</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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name="san:IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1277">6.6</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Polish </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">zloty</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-259" decimals="-5" 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id="f-1281">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-301" decimals="-5" name="san:IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1282">0.4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-302" decimals="-5" name="san:IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" format="ixt:fixed-zero" scale="6" id="f-1283">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentine peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-256" decimals="-5" name="san:IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1284">21.7</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-303" decimals="-5" name="san:IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1285">18.7</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-256" decimals="-5" name="san:IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1287">3.8</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-303" decimals="-5" name="san:IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1288">6.7</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-304" decimals="-5" name="san:IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" scale="6" id="f-1289">4.2</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The above data were obtained as follows:</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a)&#160;&#160;&#160;&#160;Effect on consolidated equity: in accordance with the accounting policy detailed in note&#160;2.a.iii, foreign exchange rate impact arising on the translation to euros of the financial statements in the functional currencies of the Group entities whose functional currency is not the euro are recognised in consolidated equity. The potential effect that a change in the exchange rates of the related currency would have on the Group&#8217;s consolidated equity was therefore determined by applying the aforementioned change to the net value of each unit&#8217;s assets and liabilities&#160;-including, where appropriate, the related goodwill- and by taking into consideration the offsetting effect of the hedges of net investments in foreign operations.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b)&#160;&#160;&#160;&#160;Effect on consolidated profit: the effect was determined by applying the up and down movements in the average exchange rates of the&#160;year, as indicated in note&#160;2.a.ii (except in the case of Argentina, which is a hyperinflationary economy and has applied the closing exchange rate), to translate to euros the income and expenses of the consolidated entities whose functional currency is not the euro, taking into consideration, where appropriate, the offsetting effect of the various hedging transactions in place.</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:130%">The estimates used to obtain the foregoing data were performed considering the effects of the changes in the exchange rate in standalone basis not considering the effect of the performance of other variables whose changes would affect equity and profit or loss, such as variations in the interest rates of the reference currencies or other market factors. Accordingly, all variables other than the exchange rate variations were kept constant with respect to their positions at 31 December 2025, 2024 and 2023.</span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">147</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_871"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-130"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><ix:continuation id="f-1193-4" continuedAt="f-1193-5"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i7e4cbf6a510148feb7d656255369d612"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) <ix:nonNumeric contextRef="c-1" name="san:BasisOfConsolidationPolicyPolicyTextBlock" id="f-1290" continuedAt="f-1290-1" escape="true">Basis of consolidation</ix:nonNumeric></span></div><ix:continuation id="f-1290-1" continuedAt="f-1290-2"><div style="margin-bottom:3pt;margin-top:6pt"><span id="i7ea75d2224d24132ad0d68788a875a0f"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Subsidiaries</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:130%">Subsidiaries are defined as entities over which the Bank has the capacity to exercise control. The Bank controls an entity when it is exposed, or has rights, to variable returns from its involvement with the investee and has the ability to affect those returns through its power over the investee.</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:130%">The financial statements of the subsidiaries are fully consolidated with those of the Bank. Accordingly, all balances and effects of the transactions between consolidated companies are eliminated on consolidation.</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:130%">On acquisition of control of a subsidiary, its assets, liabilities and contingent liabilities are recognised at their acquisition-date fair values. Any positive differences between the acquisition cost and the fair values of the identifiable net assets acquired are recognised as goodwill (see note&#160;17). Negative differences are recognised in profit or loss on the date of acquisition.</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:130%">Additionally, the share of third parties of Grupo Santander equity is presented under 'Non-controlling interests' in the consolidated balance sheet (see note&#160;28). Their share of the profit for the&#160;year is presented under 'Profit attributable to non-controlling interests' in the consolidated income statement.</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:130%">The results of subsidiaries acquired during the&#160;year are included in the consolidated income statement from the date of acquisition to&#160;year-end. Similarly, the results of subsidiaries for which control is lost during the year are included in the consolidated income statement from the beginning of the&#160;year to the date of disposal.</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:130%">At 31 December 2025, apart from the structured consolidated entities, Grupo Santander does not control any company in which it maintains a percentage of direct participation in its share capital of less than 50% and in where other elements exist which, considered together, would grant give it decision-making power over its relevant activities. </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:130%">The appendices contain significant information on the subsidiaries.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i38d586ae55fc4821b1ffac137bad82be"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Interests in joint ventures</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:130%">Joint ventures are deemed to be entities that are not subsidiaries but which are jointly controlled by two or more unrelated entities. This is evidenced by contractual arrangements whereby two or more parties have interests in entities so that decisions about the relevant activities require the unanimous consent of all the parties sharing control.</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:130%">In the consolidated financial statements, investments in joint ventures are accounted for using the equity method, i.e. at the Group&#8217;s share of net assets of the investee, after taking into account the dividends received therefrom and other equity eliminations. The profits and losses resulting from transactions with a joint venture are eliminated to the extent of the Group&#8217;s interest therein.</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:130%">The appendices contain relevant information on the joint ventures.</span></div></ix:continuation><div style="margin-bottom:3pt;margin-top:9pt"><span><br/></span></div></div></ix:continuation><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-1290-2" continuedAt="f-1290-3"><ix:continuation id="f-1193-5" continuedAt="f-1193-6"><div style="margin-bottom:3pt"><span id="i91876a6de5e5419ca945e452a331186a"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Associates</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:130%">Associates are entities over which Banco Santander is in a position to exercise significant influence, but not control or joint control. It is presumed that Banco Santander exercises significant influence if it holds 20% or more of the voting power of the investee.</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:130%">In the consolidated financial statements, investments in associates are accounted for using the equity method, with the same criteria applicable to shares in joint ventures.</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:130%">There are certain investments in entities which, although Grupo Santander owns 20% or more of their voting power, are not considered to be associates because the Group is not in a position to exercise significant influence over them. As of 31 December 2024 and 2023, the investment in Project Quasar Investments 2017, S.L. was in this situation, despite maintaining a <ix:nonFraction unitRef="number" contextRef="c-305" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInAssociate" scale="-2" id="f-1291"><ix:nonFraction unitRef="number" contextRef="c-306" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInAssociate" scale="-2" id="f-1292">49</ix:nonFraction></ix:nonFraction>% stake in the share capital. The rest of the investments are not significant for the Group.</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:130%">There are also certain investments in associates where the Group owns less than 20% of the voting rights, as it is determined that it has the capacity to exercise significant influence over them. The impact of these companies is immaterial in the Group's consolidated financial statements.</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:130%">The appendices contain significant information on the associates.</span></div></ix:continuation></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_874"></div><ix:continuation id="f-1290-3" continuedAt="f-1290-4"><ix:continuation id="f-1193-6" continuedAt="f-1193-7"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i9d9e2713fdf44f24b2f9f981a1485b35"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:125%">iv. Structured entities</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:130%">In some cases, Grupo Santander incorporates entities, or holds ownership interests therein, to enable its customers to access certain investments, or for the transfer of risks or other purposes. Those entities are called 'structured entities' and they are characterized by the fact that since the voting, or similar power is not a key factor in deciding who controls the entity. The control is determined by using internal criteria and procedures and taking into consideration the applicable legislation, as described above. Specifically, for those entities to which this policy applies (mainly investment funds and pension funds), the Group analyses the following factors:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Percentage of ownership held by Grupo Santander; 20% is established as the general threshold.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Identification of the fund manager, and verification as to whether it is a company controlled by the Group since this could affect Grupo Santander ability to direct the relevant activities.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Existence of agreements between investors that might require decisions to be taken jointly by the investors, rather than by the fund manager.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Existence of currently exercisable removal rights (possibility of removing the manager from his position), since the existence of such rights might limit the manager&#8217;s power over the fund, and it may be concluded that the manager is acting as an agent of the investors.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Analysis of the fund manager&#8217;s remuneration regime, taking into consideration that a remuneration regime that is proportionate to the service rendered does not, generally, create exposure of such importance as to indicate that the manager is acting as the principal. Conversely, if the remuneration regime is not proportionate to the service rendered, this might give rise to an exposure that would lead the Group to a different conclusion.</span></div></ix:continuation></ix:continuation></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">148</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-131"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-1290-4"><ix:continuation id="f-1193-7" continuedAt="f-1193-8"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">These structured entities also include the securitisation special purpose vehicles, which are consolidated in the case of the Special Purpose Vehicles (SPVs) over which, being exposed to variable yield, it is considered that the Group continues to exercise control.</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:130%">The exposure associated with unconsolidated structured entities, additional to investments in the equity of investment funds (note 8), are not material with respect to the Group&#8217;s consolidated financial statements.</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="i0b07bb2d7be5496db27d6abd8f73d1ed"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">v. Business combinations</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:130%">A business combination is the bringing together of two or more separate entities or economic units into one single entity or group of entities.</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:130%">Business combinations whereby Grupo Santander obtains control over an entity or a business are recognised for accounting purposes as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Grupo Santander measures the cost of the business combination, which is normally the consideration transferred, defined as the acquisition-date fair values of the assets transferred, the liabilities incurred to the former owners of the acquiree and the equity instruments issued, if any, by the acquirer. In cases where the amount of the consideration to be transferred has not been definitively established at the acquisition date, but rather depends on future events, any contingent consideration is recognised as part of the consideration transferred and measured at its acquisition-date fair value. Moreover, acquisition-related costs do not for these purposes form part of the cost of the business combination.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The fair values of the assets, liabilities and contingent liabilities of the acquired entity or business, including any intangible assets identified in the business combination which might not have been recognised by the acquiree, are estimated and recognised in the consolidated balance sheet; the Group also estimates the amount of any non-controlling interests and the fair value of the previously held equity interest in the acquiree.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Any positive difference between the aforementioned items is recognised as discussed in note&#160;2.m. Any negative difference is recognised under 'Negative Goodwill' recognised in the consolidated income statement.</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:130%">Goodwill is only calculated and recognised once, when control of a business or an entity is obtained.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i6a769ab0d2a443dab0214ae16c9258bb"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">vi. Changes in the levels of ownership interests in subsidiaries</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:130%">Acquisitions and disposals not giving rise to a change in control are recognised as equity transactions, and no gain or loss is recognised in the income statement and the initially recognised goodwill is not remeasured. The difference between the consideration transferred or received and the decrease or increase in non-controlling interests, respectively, is recognised in reserves.</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:130%">Similarly, when control over a subsidiary is lost, the assets, liabilities and non-controlling interests and any other items recognised in 'Other Comprehensive income' of that company are derecognised from the consolidated balance sheet, and the fair value of the consideration received and of any remaining equity interest is recognised. The difference between these amounts is recognised in profit or loss.</span></div></ix:continuation></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:continuation id="f-1193-8" continuedAt="f-1193-9"><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_877"></div><div style="margin-bottom:3pt"><span id="ib580f35b45a145e6860563a14557fd91"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) C<ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory" id="f-1293" continuedAt="f-1293-1" escape="true">lassification of financial instruments</ix:nonNumeric></span></div><ix:continuation id="f-1293-1" continuedAt="f-1293-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">A financial instrument is any contract that gives rise to a financial asset of one entity and a financial liability or an equity instrument of another entity.</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:130%">The following transactions are not treated for accounting purposes as financial instruments:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Investments in associates and joint venture when accounted for using the equity method in accordance with IAS 28 (see note&#160;13).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Rights and obligations under employee benefit plans recognized in accordance with IAS 19 (see note&#160;25).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Insurance contracts and the rights and obligations directly arising from them, within the scope of IFRS 17 (see note&#160;15).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Contracts and obligations relating to employee remuneration based on own equity instruments accounted for in accordance with IFRS 2 (see note&#160;34).</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="i590d74e518514c8197e9c502f9837b18"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Classification of financial assets for measurement purposes</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:130%">Financial assets are classified into the various categories used for management and measurement purposes, unless they have to be presented as 'Non-current assets held for sale' or they relate to 'Cash, cash balances at central banks and other deposits on demand', 'Changes in the fair value of hedged items in portfolio hedges of interest rate risk (asset side)', 'Hedging derivatives and Investments', which are reported separately.</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:130%">Classification of financial instruments: the classification criteria for financial assets depends on the business model for their management and the characteristics of their contractual flows.</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:130%">Grupo Santander business models refer to the way in which it manages its financial assets to generate cash flows. In defining these models, the Group takes into account the following factors:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">How key entity staff are assessed and reported on the performance of the business model and the financial assets held in the business model.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The risks that affect the performance of the business model (and the financial assets held in the business model) and, specifically, the way in which these risks are managed.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The way in which business managers are remunerated.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The frequency, the calendar and volume of sales in previous years, as well as expectations of future sales and the reasons of the sales.</span></div></ix:continuation></div></ix:continuation></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">149</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-132"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1293-2" continuedAt="f-1293-3"><ix:continuation id="f-1193-9" continuedAt="f-1193-10"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The analysis of the characteristics of the contractual cash flows of financial assets requires an assessment of the congruence of these flows with a basic loan agreement. The Group determines if the contractual cash flows of its financial assets that are only principal and interest payments on the outstanding principal amount at the beginning of the transaction. This analysis takes into consideration four factors (performance, contractual clauses, contractually linked products and currencies). Furthermore, among the most significant judgements used by the Group in carrying out this analysis, the following ones are included:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The return on the financial asset, in particular in cases of periodic interest rate adjustments where the term of the reference rate does not coincide with the frequency of the adjustment. In these cases, an assessment is made to determine whether or not the contractual cash flows differ significantly from the flows without this change in the time value of money, establishing a tolerance level of 5%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">When contractual clauses that may modify the cash flows of the financial asset exist, the structure of the cash flows before and after the activation of such clauses is analysed, regardless of the probability of occurrence of the contingent event. The evaluation of contractual flows of financial assets with characteristics associated with ESG (Environmental, Social and Governance) is included in this analysis. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Financial assets whose cash flows have different priority for payment due to a contractual link to underlying assets (e.g. securitization instruments or similar structures) require a look-through analysis by the Group so as to review that both the financial asset and the underlying assets are only principal and interest payments and that the exposure to credit risk of analyzed segment does not exceed the average exposure of the underlying assets of the instrument.</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:130%">Depending on these factors, the financial assets classify for measurement as: (i) at amortised cost, (ii) at fair value with changes in other comprehensive income or (iii) at fair value with changes through profit and loss. IFRS 9 also establishes an option to irrevocably designate an instrument at fair value with changes in profit or loss, when doing so eliminates or significantly reduces a measurement or recognition inconsistency (sometimes referred to as 'accounting asymmetry') that would otherwise arise from measuring assets or liabilities or recognising gains and losses on different bases.</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:130%">Grupo Santander uses the following criteria for the classification of the financial debt instruments:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Amortised cost: financial instruments managed under a business model whose objective is to hold the financial assets to collect contractual principal and interest flows. This category includes instruments for which there are no frequent or significant unjustified sales and fair value is not a key element in the management of these assets and contractual conditions they give rise to cash flows on specific dates, which are only payments of principal and interest on the outstanding principal amount. In this sense, justified sales are considered to be those related to an (i) increase in the credit risk of the asset, (ii) unanticipated funding needs (stress case scenarios) and (iii) those close to maturity . Additionally, the characteristics of its contractual flows represent substantially a 'basic financing agreement'.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Fair value with changes in other comprehensive income: financial instruments held in a business model whose objective is to collect principal and interest cash flows and the sale of these assets, where fair value is a relevant factor in their management. Additionally, the contractual cash flow characteristics substantially represent a 'basic financing agreement'.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Fair value with changes in profit or loss: financial instruments included in a business model different from the above, where fair value is a key element in the management of these assets, and the contractual flows of the financial instruments do not substantially represent a 'basic financing agreement'. In this section it can be enclosed the portfolios classified under 'Financial assets held for trading', 'Non-trading financial assets mandatorily at fair value through profit or loss' and 'Financial assets at fair value through profit or loss'. In this regard, most of the financial assets presented in the category of 'Financial assets designated at value reasonable with change in results' are instruments financial services that, not being part of the portfolio of negotiation, are contracted jointly with other financial instruments that are recorded in the category of 'held for trading', and that by both are recorded at fair value with changes in results, so your record in any other category would produce accounting asymmetries.</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:130%">Equity instruments will be classified at fair value under  IFRS 9, with changes in profit or loss, unless the Group decides, for non-trading assets, to classify them at fair value with changes in other comprehensive income (irrevocably) at initial recognition.</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="i75e15d8a121c42389acae969af7f386c"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Classification of financial assets for presentation purposes</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:130%">Financial assets are classified by nature into the following items in the consolidated balance sheet:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Cash, cash balances at Central Banks and other deposits on demand: cash balances and balances receivable on demand relating to deposits with central banks and other credit institutions.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Loans and advances: includes the debit balances of all credit and loans granted by the Group, other than those represented by securities or securitized, as well as the finance lease receivables and other debit balances of a financial nature in favour of the Group such as cheques drawn on credit institutions, balances receivable from clearing houses and settlement agencies for transactions on the stock exchange and organised markets, bonds given in cash, capital calls, fees and commissions receivable for financial guarantees and debit balances arising from transactions not originating in banking transactions and services, such as the collection of rentals and similar items. They are classified, on the basis of the institutional sector to which the debtor belongs, into:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Central banks: credit of any nature, including deposits and money market transactions received from the Bank of Spain or other central banks.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Credit institutions: credit of any nature, including deposits and money market transactions, in the name of credit institutions.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Customers: includes the remaining credit, including money market transactions through central counterparties.</span></div></div></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">150</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-133"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1293-3" continuedAt="f-1293-4"><ix:continuation id="f-1193-10" continuedAt="f-1193-11"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Debt securities: bonds and other securities that represent a debt for their issuer, that that accrue interest or equivalent returns implemented in securities or in book entries.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Equity instruments: financial instruments issued by other entities, such as shares, which have the nature of equity instruments for the issuer, other than investments in subsidiaries, joint ventures or associates. Investment fund units are included in this item.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Derivatives: includes the fair value in favour of the Group of derivatives which do not form part of hedge accounting, including embedded derivatives separated from hybrid financial instruments.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Repurchase agreements and reverse repurchase agreements: Purchases of financial instruments under a non-optional resale (repurchase) agreement at a fixed price (repos) are recognised in the consolidated balance sheet as financing granted, based on the nature of the debtor, under 'Loans and advances with central banks', 'Loans and advances to credit institutions' or 'Loans and advances to customers. Differences between the purchase and sale prices are recognised as interest over the contract term.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Changes in the fair value of hedged items in portfolio hedges of interest rate risk: this item is the balancing entry for the amounts credited to the consolidated income statement in respect of the measurement of the portfolios of financial instruments which are effectively hedged against interest rate risk through fair value hedging derivatives. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Hedging derivatives: Includes the fair value in favour of the Group of derivatives, including embedded derivatives separated from hybrid financial instruments, designated as hedging instruments in hedge accounting.</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="i952b7f66652e48e18b7d90035a398d34"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Classification of financial liabilities for measurement purposes</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:130%">Financial liabilities are initially classified into the various categories used for management and measurement purposes, unless they have to be presented as 'Liabilities associated with non-current assets held for sale' or they relate to 'Hedging derivatives' or the changes in the fair value of hedged items in portfolio hedges of interest rate risk (liability side), which are reported separately.</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:130%">In most cases, changes in the fair value of financial liabilities designated at fair value through profit or loss, caused by the entity's credit risk, are recognized in other comprehensive income, unless this treatment results in an accounting asymmetry, in which case the full effect is recognized in the profit or loss for the period.</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:130%">Financial liabilities are included for measurement purposes in one of the following categories:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Financial liabilities held for trading (at fair value through profit or loss): this category includes financial liabilities incurred for the purpose of generating a profit in the near term from fluctuations in their prices, financial derivatives not designated in accounting hedging relationships, and financial liabilities arising from the outright sale of financial assets temporarily acquired or received on loan (short positions).</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Financial liabilities designated at fair value through profit or loss: financial liabilities are included in this category when they provide more relevant information, either because this eliminates or significantly reduces recognition or measurement inconsistencies (accounting mismatches) that would otherwise arise from measuring assets or liabilities or recognising the gains or losses on them on different bases, or because a group of financial liabilities or financial assets and liabilities is managed and its performance is evaluated on a fair value basis, in accordance with a documented risk management or investment strategy, and information about the group is provided on that basis to the Group&#8217;s key management personnel. </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:130%">Liabilities may only be included in this category on the date when they are incurred or originated.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Financial liabilities at amortised cost: financial liabilities, irrespective of their instrumentation and maturity, not included in any of the above-mentioned categories which arise from the ordinary borrowing activities carried on by financial institutions.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ic42f3195efbe4dd89e54cecd83316288"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iv. Classification of financial liabilities for presentation purposes</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:130%">Financial liabilities are classified by nature into the following items in the consolidated balance sheet:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Deposits: includes all repayable balances received in cash by Grupo Santander, other than those instrumented as marketable securities and those having the substance of subordinated liabilities (amount of the loans received, which for credit priority purposes are after common creditors), except for the debt instruments issued. This item also includes cash bonds and cash consignments received the amount of which may be invested without restriction. Deposits are classified on the basis of the creditor&#8217;s institutional sector into:</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:8.6pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:2.47pt">Central banks: deposits of any nature, including credit received and money market transactions received from the Bank of Spain or other central banks.</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:8.6pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:2.47pt">Credit institutions: deposits of any nature, including credit received and money market transactions in the name of credit institutions.</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:8.6pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:2.47pt">Customer: includes the remaining deposits, including money market transactions through central counterparties.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Marketable debt securities: includes the amount of bonds, debentures and other debt represented by marketable securities, other than those having the substance of subordinated liabilities (amount of the loans received, which for credit priority purposes are after common creditors, and includes the amount of the financial instruments issued by the Group which, having the legal nature of capital, do not meet the requirements to qualify as equity, such as certain preferred shares issued). This item includes the component that has the consideration of financial liability of the securities issued that are compound financial instruments.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Derivatives: includes the fair value, with a negative balance for the Group, of derivatives, including embedded derivatives  separated from the host contract, which do not form part of hedge accounting.</span></div></div></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">151</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-134"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><ix:continuation id="f-1293-4" continuedAt="f-1293-5"><ix:continuation id="f-1193-11" continuedAt="f-1193-12"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Short positions: includes the amount of financial liabilities arising from the outright sale of financial assets acquired under reverse repurchase agreements or borrowed.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Other financial liabilities: includes the amount of payment obligations having the nature of financial liabilities not included in other items (includes, among others, the balance of lease liabilities recognized in accordance with IFRS 16), and liabilities under financial guarantee contracts, unless they have been classified as non-performing.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Repurchase agreements and reverse repurchase agreements: Sales of financial instruments under a non-optional resale (repurchase) agreement at a fixed price (repos) are recognised in the consolidated balance sheet as financing received, based on the nature of the creditor, under 'Deposits from central banks', 'Deposits from credit institutions' or 'Customer deposits'. Differences between the purchase and sale prices is recorded as interest accrued over the life of the contract, using the effective interest rate method.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Changes in the fair value of hedged items in portfolio hedges of interest rate risk: this item is the balancing entry for the amounts charged to the consolidated income statement in respect of the measurement of the portfolios of financial instruments which are effectively hedged against interest rate risk through fair value hedging derivatives.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Hedging derivatives: includes the fair value of the Group&#8217;s liability in respect of derivatives, including embedded derivatives separated from hybrid financial instruments, designated as hedging instruments in hedge accounting.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The preference shares contingently convertible into ordinary shares eligible as Additional Tier 1 capital (PPCC) -perpetual shares, which may be repurchased by the issuer in certain circumstances, the interest on which is discretionary, and would convert into variable number of newly issued ordinary shares if the capital ratio of the Bank or its consolidated group falls below a given percentage (trigger event), as those two terms are defined in the related issue prospectuses are recognised for accounting purposes by the Group as compound instruments in accordance with IAS 32. The liability component reflects the issuer&#8217;s obligation to deliver a variable number of shares and the equity component reflects the issuer&#8217;s discretion in relation to the payment of the related coupons. In order to effect the initial allocation, the Group estimates the fair value of the liability as the amount that would have to be delivered if the trigger event were to occur immediately and, accordingly, the equity component, calculated as the residual amount, is zero. In view of the aforementioned discretionary nature of the payment of the coupons, they are deducted directly from equity.</span></div></div></ix:continuation></ix:continuation><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-1293-5"><ix:continuation id="f-1193-12" continuedAt="f-1193-13"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Capital perpetual preference shares (PPCA), with the possibility of purchase by the issuer in certain circumstances, whose remuneration is discretionary, and which will be amortised permanently, totally or partially, in the event that the bank or its consolidated group submits a capital ratio lesser than a certain percentage (trigger event), as defined in the corresponding prospectuses, are accounted for by the Group as equity instruments.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Derivatives embedded in other financial instruments or in other host contracts are accounted for separately as derivatives if their risks and characteristics are not closely related to those of the host contracts, provided that the host contracts are not classified as financial assets/liabilities designated at fair value through profit or loss or as 'Financial assets/liabilities held for trading'.</span></div></ix:continuation></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_880"></div><ix:continuation id="f-1193-13" continuedAt="f-1193-14"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i12d26bd077d047399b791c4737fd5e21"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) <ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory" id="f-1294" continuedAt="f-1294-1" escape="true">Measurement of financial assets and liabilities and recognition of fair value changes</ix:nonNumeric></span></div><ix:continuation id="f-1294-1" continuedAt="f-1294-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In general, financial assets and liabilities are initially recognised at fair value which, in the absence of evidence to the contrary, is deemed to be the transaction price. </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:130%">In this regard, IFRS 9 states that regular way purchases or sales of financial assets shall be recognised and derecognised on the trade date or on the settlement date. Grupo Santander has opted to make such recognition on the trading date or settlement date, depending on the convention of each of the markets in which the transactions are carried out. For example, in relation to the purchase or sale of debt securities or equity instruments traded in the Spanish market, securities market regulations stipulate their effective transfer at the time of settlement and, therefore, the same time has been established for the accounting record to be made.</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:130%">The fair value of instruments not measured at fair value through profit and loss is adjusted by transaction costs. Subsequently, and on the occasion of each accounting close, they are valued in accordance with the following criteria:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i6da3ee17554d4070864a7b7d72d7c40c"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Measurement of financial assets</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:130%">Financial assets are measured at fair value are valued mainly at their fair value without deducting any transaction cost for their sale.</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:130%">The fair value of a financial instrument on a given date is taken to be the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. The most objective and common reference for the fair value of a financial instrument is the price that would be paid for it on an active, transparent and deep market (quoted price or market price). At 31 December 2025, there were no significant investments in quoted financial instruments that had ceased to be recognised at their quoted price because their market could not be deemed to be active.</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:130%">If there is no market price for a given financial instrument, its fair value is estimated on the basis of the price established in recent transactions involving similar instruments and, in the absence thereof, of valuation techniques commonly used by the international financial community, taking into account the specific features of the instrument to be measured and, particularly, the various types of risk associated with it.</span></div></ix:continuation></ix:continuation></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">152</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-135"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1294-2" continuedAt="f-1294-3"><ix:continuation id="f-1193-14" continuedAt="f-1193-15"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">All derivatives are recognised in the balance sheet at fair value from the trade date. If the fair value is positive, they are recognised as an asset and if the fair value is negative, they are recognised as a liability. The fair value on the trade date is deemed, in the absence of evidence to the contrary, to be the transaction price. The changes in the fair value of derivatives from the trade date are recorded in the consolidated income statement. Specifically, the fair value of financial derivatives traded in organised markets included in the portfolios of financial assets or liabilities held for trading is deemed to be their daily quoted price and if, for exceptional reasons, the quoted price cannot be determined on a given date, these financial derivatives are measured using methods similar to those used to measure derivatives.</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:130%">The fair value of derivatives is taken to be the sum of the future cash flows arising from the instrument, discounted to present value at the date of measurement (present value or theoretical close) using valuation techniques commonly used by the financial markets: net present value, option pricing models and other methods.</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:130%">The amount of debt securities and loans and advances under a business model whose objective is to collect the principal and interest flows are valued at their amortised cost, as long as they comply with the 'SPPI' (Solely Payments of Principal and Interest) test, using the effective interest rate method in their determination. Amortised cost refers to the acquisition cost of a corrected financial asset or liability (more or less, as the case may be) for repayments of principal and the part systematically charged to the consolidated income statement of the difference between the initial cost and the corresponding reimbursement value at expiration. In the case of financial assets, the amortised cost includes, in addition, the corrections to their value due to the impairment. In the loans and advances covered in fair value hedging transactions, the changes that occur in their fair value related to the risk or the risks covered in these hedging transactions are recorded.</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:130%">The effective interest rate is the discount rate that exactly matches the carrying amount of a financial instrument to all its estimated cash flows of all kinds over its remaining life. </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:130%">For fixed rate financial instruments, the effective interest rate coincides with the contractual interest rate established on the acquisition date plus, where applicable, the fees and transaction costs that, because of their nature, form part of their financial return. In the case of floating rate financial instruments, the effective interest rate coincides with the rate of return prevailing in all connections until the next benchmark interest reset date.</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:130%">Equity instruments and contracts related with these instruments are measured at fair value. However, in certain circumstances the Group estimates cost value as a suitable estimate of the fair value. This can happen if the recent event available information is not enough to measure the fair value or if there is a broad range of possible measures and the cost value represents the best estimates of fair value within this range.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The amounts at which the financial assets are recognised represent, in all material respects, the Group&#8217;s maximum exposure to credit risk at each reporting date. Also, Grupo Santander has received collateral and other credit enhancements to mitigate its exposure to credit risk, which consist mainly of mortgage guarantees, cash collateral, equity instruments and personal security, assets leased out under finance lease and full-service lease agreements, assets acquired under repurchase agreements, securities loans and credit derivatives.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i089c47b8db924ec587c4a69d5a551897"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Measurement of financial liabilities</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:130%">In general, financial liabilities are measured at amortised cost, as defined above, except for those included under 'Financial liabilities held for trading' and 'Financial liabilities designated at fair value through profit or loss' and financial liabilities designated as hedged items (or hedging instruments) in fair value hedges, which are measured at fair value. The changes in credit risk arising from financial liabilities designated at fair value through profit or loss are recognised in accumulated other comprehensive income, unless they generate or increase an accounting mismatch, in which case changes in the fair value of the financial liability in all respects are recognised in the income statement.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ibfbb4be27e0e4658adbe6a8ba97a7204"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Valuation techniques</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:130%">The financial instruments at fair value determined on the basis of published price quotations in active markets (level 1) include government debt securities, private-sector debt securities, derivatives traded in organised markets, securitised assets, shares, short positions and fixed-income securities issued.</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:130%">In cases where price quotations cannot be observed, management makes its best estimate of the price that the market would set, using its own internal models, described in note 50. In most cases, these internal models use data based on observable market parameters as significant inputs (level 2) and, in cases, they use significant inputs not observable in market data (level 3). In order to make these estimates, various techniques are employed, including the extrapolation of observable market data. The best evidence of the fair value of a financial instrument on initial recognition is the transaction price, unless the fair value of the instrument can be obtained from other market transactions performed with the same or similar instruments or can be measured by using a valuation technique in which the variables used include only observable market data, mainly interest rates.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="if09e92b9825644f9b9a015a0aa4d755d"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iv. Recognition of fair value changes</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As a general rule, changes in the carrying amount of financial assets and liabilities are recognised in the consolidated income statement. A distinction is made between the changes resulting from the accrual of interest and similar items, (which are recognised under Interest income or Interest expense, as appropriate), and those arising for other reasons, which are recognised at their net amount under 'Gains/losses on financial assets and liabilities'.</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:130%">Adjustments due to changes in fair value arising from:</span></div></div></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">153</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-136"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1294-3" continuedAt="f-1294-4"><ix:continuation id="f-1193-15" continuedAt="f-1193-16"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">'Financial assets at fair value with changes in other comprehensive income' are recorded temporarily, in the case of debt instruments in 'Other comprehensive income - Elements that can be reclassified to profit or loss - Financial assets at fair value with changes in other comprehensive income', while in the case of equity instruments are recorded in 'other comprehensive income - Elements that will not be reclassified to line item - Changes in the fair value of equity instruments valued at fair value with changes in other comprehensive income'. </span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Exchange differences on debt instruments measured at fair value with changes in other comprehensive income are recognised under 'Exchange Differences, net' of the consolidated income statement. Exchange differences on equity instruments, in which the irrevocable option of being measured at fair value with changes in other comprehensive income has been chosen, are recognised in 'Other comprehensive income - Items that will not be 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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Items charged or credited to 'Items that may be reclassified to profit or loss &#8211; Financial assets at fair value through other comprehensive income' and 'Other comprehensive income &#8211; Items that may be reclassified to profit or loss &#8211; Exchange differences in equity' remain in the Group's consolidated equity until the asset giving rise to them is impaired or derecognised, at which time they are recognised in the consolidated income statement.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Unrealized capital gains on financial assets at fair value through other comprehensive income classified as 'Non-current assets held for sale' because they form part of a disposal group or a discontinued operation that  are recorded in the equity balancing entry 'Other accumulated comprehensive income - Items that can be reclassified in income - Non-current assets as held for sale.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4d94ffbbf7344ed5ade54eb8bad38462"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">v. Hedging transactions</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:130%">The objective of hedge accounting is to represent in the financial statements the effect of an entity's risk management activities when it uses financial instruments to manage exposures arising from specific risks that could affect profit or loss or other comprehensive income (in the case of investments in equity instruments for which the entity has opted to represent changes in the fair value of other comprehensive income).</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:130%">As described in Note 1.b, the Group has adopted IFRS 9 for hedge accounting prospectively, while continuing to apply IAS 39 for fair value hedges in portfolios where the hedged risk is interest rate risk. This change has not resulted in any modifications to the accounting treatment of hedges designated under IAS 39, which remain unchanged in both their designation and accounting treatment.</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:130%">For a hedging relationship to meet the requirements set out in IFRS 9, it must meet the following conditions:</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">1.&#160;&#160;&#160;&#160;Instruments that can be designated as hedging instruments include all derivative financial instruments or non-derivative financial instruments measured at fair value through profit or loss, or a combination thereof. In the case of foreign exchange risk hedges, any type of non-derivative financial instrument can also be designated, regardless of its measurement method.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">2. Items that can be designated as covered items are all those that are recognized assets or liabilities, firm commitments, highly probable anticipated transactions, and net investments abroad.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">3.&#160;&#160;&#160;&#160;At the start of coverage, a formal designation and documentation of the hedging relationship must be made, which will include the entity's risk management strategy and objective, identification of the hedging instrument and the covered item, the nature of the covered risk, the methodology for measuring effectiveness, which includes an analysis of the sources of ineffectiveness, and the coverage ratio.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The main sources of ineffectiveness based on the risk covered are:</span></div><div style="margin-bottom:9pt;padding-left:19.84pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a. Interest rate risk: mismatches in time horizons, principal, repricing and payment dates, time value of options, modifications in the hedged item or the hedging instrument.</span></div><div style="margin-bottom:9pt;padding-left:19.84pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b. Exchange rate risk: in addition to the above, the difference between the interest rates of the two currencies that represents the net cost or benefit of switching cash flows between two currencies with different interest rates.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">4. The hedging relationship must be effective, for which there must be an economic relationship between the hedged item and the hedging instrument, credit risk must not have a dominant effect on changes in the value of the economic relationship between the hedging instrument and the hedged item, and the hedging ratio must coincide with that used by the entity in its management.</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:130%">The Group assesses these effectiveness requirements, at the time of designation and on each submission date, through:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The economic relationship between the hedged item and the hedging instrument is demonstrated through a qualitative test, and in the event of non-compliance, through quantitative tests that compare the market value of the hedged items&#8212;corresponding to the hedged risk&#8212;and the hedging instruments. Likewise, a quantitative analysis of variations in the market values of the hedging instrument and the hedged item is performed prospectively.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The hedge ratio is determined based on the proportion between the amount of the hedged item and the amount of the instrument actually designated by the Group in each hedging relationship.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"> The credit risk domain assessment is performed through an analysis of the credit exposure of the hedged items and the hedging instruments.</span></div></div></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">154</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-137"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1294-4"><ix:continuation id="f-1193-16" continuedAt="f-1193-17"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Accounting hedges are classified and recorded according to the type of risk they cover, based on the following criteria:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Fair value hedges: These are hedges against exposure to changes in the fair value of the hedged item, attributable to a specific risk.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The differences arising from both the hedging instruments and the hedged items (due to the hedged risk) are recognized directly in the consolidated profit and loss account.</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:130%">When the fair value hedge is discontinued, the adjustments previously recorded in the hedged item are charged to profit or loss using the effective interest rate method recalculated at the date the hedge ceases to be covered, and must be fully amortized at maturity. </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:130%">In fair value hedges of interest rate risk of a portfolio of financial instruments (macro hedges), regulated by IAS 39, the gains or losses arising from the valuation of the hedging instruments are recognized directly in the consolidated profit and loss account, while the gains or losses due to changes in the fair value of the hedged amount (attributable to the hedged risk) are recognized in the consolidated profit and loss account using as a counterpart the headings 'Changes in the fair value of hedged items' of a portfolio with interest rate risk hedge (asset or liability), as appropriate.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Cash flow hedges: These are hedges against exposure to changes in cash flows attributable to a specific risk associated with the hedged item.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The effective portion of the change in the value of the hedging instrument is temporarily recorded in the equity account 'Other accumulated comprehensive income - Items that may be reclassified in profit or loss - Hedging derivatives. Cash flow hedges (effective portion)' until the hedged item affects profit or loss. From that point onward, it will be recorded in the consolidated profit or loss account for the same period as the hedged item, except in cases where it is required to be included in the cost of the non-financial asset or liability, or the anticipated transactions are ultimately recognized as non-financial assets or liabilities.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">When cash flow hedges are discontinued, the accumulated result of the hedging instrument recognized in the equity heading 'Other accumulated global result' (while the hedge was effective) will continue to be recognized in that heading until the hedged transaction occurs, at which time it will be recorded in profit or loss, unless it is expected that the transaction will not take place, in which case it is recorded immediately in profit or loss.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net investment hedges of a foreign operation: This is a hedge of the amount corresponding to the reporting entity's share of the net assets of said operation.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The effective portion of the hedging instrument is temporarily recorded in the equity account 'Other accumulated comprehensive income - Items that may be reclassified in profit or loss - Net investment hedges' in foreign operations until the gains or losses on the hedged item are recognized in profit or loss.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">To measure ineffectiveness, the Group compares the valuation of the hedging instrument with the valuation of the hedged item based on the hedged risk, using different methodologies such as the proxy method or the hypothetical derivative method. The ineffective portion of the cash flow and net investment hedge relationships in foreign operations is recorded directly in the consolidated profit and loss account, under the heading 'Net gains or losses from hedge accounting'. </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:130%">The Group discontinues accounting for hedging relationships when the hedging instrument expires, is sold, or when the hedging relationship becomes ineffective because it is no longer aligned with the risk management objective. In that case, the derivative is then treated as a trading derivative.</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:130%">If a hedging relationship ceases to meet the effectiveness requirements, but the risk management objective remains, the Group will assess whether to rebalance or adjust the hedging ratio to meet the effectiveness requirements again without discontinuing the hedging relationship.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">A hedging instrument is generally designated in its entirety, as the factors contributing to its fair value are interdependent. However, IFRS 9 allows certain parts of a hedging instrument to be excluded from its fair value:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt">Separating the intrinsic value and the time value of an option and designating only the intrinsic element as the hedging instrument, which is mandatory if the intrinsic value is designated;</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt">Separating the forward and spot elements of a forward contract and designating only the spot element as the hedging instrument, which will be determined for each hedging relationship. and</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.48pt">Separate the foreign currency basis spread of a currency derivative and exclude it from the designation of the hedging instrument, as determined for each hedging relationship.</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:130%">Separating these components will improve the effectiveness of the hedge and allows for alternative accounting treatment for the excluded component. This treatment consists of recording the changes in value under the heading 'Other accumulated comprehensive income &#8211; Undesignated items' and recording this component in the consolidated profit or loss statement, depending on the nature of the hedged item, either over a period of time or at the time the hedged transaction occurs.</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:130%">Additionally, if the entity manages the credit risk of all or part of a financial instrument through the use of credit derivatives, there is the option of designating a fair value credit exposure through profit or loss, provided that the derivative matches the name and priority of the financial instrument being hedged. This designation may be made at the initial recognition of the designated financial instrument or subsequently, with the designation being documented. From its designation, fair value variations (for all its risks, not exclusively credit risk) will be recorded in the consolidated profit and loss account.</span></div></div></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">155</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-138"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1193-17" continuedAt="f-1193-18"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="ia49f64f506d54190ae2cf84f69d636a8"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">e) <ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory" id="f-1295" continuedAt="f-1295-1" escape="true">Derecognition of financial assets and liabilities</ix:nonNumeric></span></div><ix:continuation id="f-1295-1" continuedAt="f-1295-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The accounting treatment of transfers of financial assets depends on the extent to which the risks and rewards associated with the transferred assets are transferred to third parties:</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">1.&#160;&#160;&#160;&#160;If the Group transfers substantially all the risks and rewards to third parties unconditional -sale of financial assets, sale of financial assets under an agreement to repurchase them at their fair value at the date of repurchase, sale of financial assets with a purchased call option or written put option that is deeply out of the money, securitisation of assets in which the transferor does not retain a subordinated debt or grant any credit enhancement to the new holders, and other similar cases-, the transferred financial asset is derecognised and any rights or obligations retained or created in the transfer are recognised simultaneously.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">2.&#160;&#160;&#160;&#160;If the Group retains substantially all the risks and rewards associated with the transferred financial asset -sale of financial assets under an agreement to repurchase them at a fixed price or at the sale price plus interest, a securities lending agreement in which the borrower undertakes to return the same or similar assets, and other similar cases-, the transferred financial asset is not derecognised and continues to be measured by the same criteria as those used before the transfer. In this case, the following items are recognised:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt">An associated financial liability, which is recognised for an amount equal to the consideration received and is subsequently measured at amortised cost, unless it meets the requirements for classification under 'Financial liabilities designated at fair value through profit or loss'.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt">The income from the transferred financial asset not derecognised and any expense incurred on the new financial liability, without offsetting.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">3.&#160;&#160;&#160;&#160;If the Group neither transfers nor retains substantially all the risks and rewards associated with the transferred financial asset -sale of financial assets with a purchased call option or written put option that is not deeply in or out of the money, securitisation of assets in which the transferor retains a subordinated debt or other type of credit enhancement for a portion of the transferred asset, and other similar cases- the following distinction is made:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt">If the transferor does not retain control of the transferred financial asset, the asset is derecognised and any rights or obligations retained or created in the transfer are recognised.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt">If the transferor retains control of the transferred financial asset, it continues to recognise it for an amount equal to its exposure to changes in value and recognises a financial liability associated with the transferred financial asset. The net carrying amount of the transferred asset and the associated liability is the amortised cost of the rights and obligations retained, if the transferred asset is measured at amortised cost, or the fair value of the rights and obligations retained, if the transferred asset is measured at fair value.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-1295-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Accordingly, financial assets are only derecognised when the rights to the cash flows they generate have expired or when substantially all the inherent risks and rewards have been transferred to third parties. Similarly, financial liabilities are only derecognised when the obligations they generate have been extinguished or when they are acquired with the intention either to cancel them or to resell them.</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:130%">Regarding contractual modifications of financial assets, Grupo Santander distinguishes two main categories depending on whether the new conditions result in the disposal of the asset (and recognition of a new one) or imply the continuation of the original instrument with the new modified terms:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Contractual modifications for commercial or market reasons, which are generally carried out at the request of the debtor to apply current market conditions to the debt. The new contract is considered a new transaction and, consequently, it is necessary to derecognize the original financial asset and recognize a new financial asset subject to the classification and measurement requirements established by IFRS 9. The new financial asset will be recorded at fair value and, if applicable, the difference between the carrying amount of the asset derecognized and the fair value of the new asset will be recognized in profit or loss.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Modifications due to refinancing or restructuring, in which the payment conditions are modified to allow a customer that is experiencing financial difficulties (current or foreseeable) to meet its payment obligations and that, if such modification had not been made, it would be reasonably certain that it would not be able to meet such payment obligations. In this case, the modification does not result in the derecognition of the financial asset, but rather the original financial asset is maintained and does not require a new assessment of its classification and measurement. When assessing credit impairment, the current credit risk (considering the modified cash flows) should be compared with the credit risk at initial recognition. The gross carrying amount of the financial asset (the present value of the renegotiated or modified contractual cash flows that are discounted at the original effective interest rate of the financial asset) should be recalculated, with a gain or loss recognized in profit or loss for the difference.</span></div></ix:continuation><div style="margin-bottom:3pt"><span id="iaaa27801cc5242f2a6e268d5b23d0dbd"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">f) <ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory" id="f-1296" continuedAt="f-1296-1" escape="true">Offsetting of financial instruments</ix:nonNumeric></span></div><ix:continuation id="f-1296-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Financial asset and liability balances are offset, i.e. reported in the consolidated balance sheet at their net amount, only if the Group entities currently have a legally enforceable right to set off the recognised amounts and intend either to settle on a net basis, or to realise the asset and settle the liability simultaneously.</span></div></ix:continuation><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4fc50b0f810d4658b2502f39b387158a"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">g) <ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory" id="f-1297" continuedAt="f-1297-1" escape="true">Impairment of financial assets</ix:nonNumeric></span></div><ix:continuation id="f-1297-1" continuedAt="f-1297-2"><div style="margin-bottom:3pt;margin-top:6pt"><span id="i283af405fc7c4a24b838197c064ca2fd"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Definition</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:130%">Grupo Santander associates an impairment in the value to financial assets measured at amortised cost, debt instruments measured at fair value with changes in other comprehensive income, lease receivables, assets from contracts and loan commitments and the financial guarantees issued that are not measured at fair value through profit or loss.</span></div></ix:continuation></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">156</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-139"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1297-2" continuedAt="f-1297-3"><ix:continuation id="f-1193-18" continuedAt="f-1193-19"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The impairment for expected credit losses is recorded with a charge to the consolidated income statement for the period in which the impairment arises. In the event of occurrence, the recoveries of previously recognised impairment losses are recorded in the consolidated income statement for the period in which the impairment no longer exists or is reduced.</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:130%">In the case of purchased or originated credit-impaired assets, the Group only recognizes at the reporting date the changes in the expected credit losses during the life of the asset since the initial recognition as a credit loss. In the case of assets measured at fair value with changes in other comprehensive income, the changes in the fair value due to expected credit losses are charged in the consolidated income statement of the year where the change happened, reflecting the rest of the valuation in other comprehensive income.</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:130%">As a rule, the expected credit loss is estimated as the difference between the contractual cash flows to be recovered and the expected cash flows discounted using the original effective interest rate. In the case of purchased or originated credit-impaired assets, this difference is discounted using the effective interest rate adjusted by credit rating.</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:130%">Depending on the classification of financial instruments, which is mentioned in the following sections, the expected credit losses may be along 12 months or during the life of the financial instrument:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">12-month expected credit losses: arising from the potential default events, as defined in the following sections that are estimated to be likely to occur within the 12 months following the reporting date. These losses will be associated with financial assets classified as 'normal risk' as defined in the following sections.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Expected credit losses over the life of the financial instrument: arising from the potential default events that are estimated to be likely to occur throughout the life of the financial instruments. These losses are associated with financial assets classified as 'normal risk under watchlist' or 'doubtful risk'.</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:130%">With the purpose of estimating the expected life of the financial instrument all the contractual terms have been taken into account (e.g. prepayments, duration, purchase options, etc.), being the contractual period (including extension options) the maximum period considered to measure the expected credit losses. In the case of financial instruments with an uncertain maturity period and a component of undrawn commitment (e.g.: credit cards), the expected life is estimated through quantitative analyses to determine the period during which the entity is exposed to credit risk, also considering the effectiveness of management procedures that mitigate such exposure (e.g. the ability to unilaterally cancel such financial instruments, etc.).</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:130%">The following constitute effective guarantees:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a)&#160;&#160;&#160;&#160;Mortgage guarantees on housing as long as they are first duly constituted and registered in favour of the entity. The properties include:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">i.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:9.97pt">Buildings and building elements, distinguishing among:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Houses.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Offices, stores and multi-purpose premises.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Rest of buildings such as non-multi-purpose premises and hotels.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:7.94pt">Urban and developable ordered land.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">iii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.91pt"> Rest of properties that classify as: buildings and building elements under construction, such as property development in progress and halted development, and the rest of land types, such as rustic lands.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b)&#160;&#160;&#160;&#160;Collateral guarantees on financial instruments in the form of cash deposits, debt securities or equity instruments issued by creditworthy issuers.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c)&#160;&#160;&#160;&#160;Other types of real guarantees, including properties received in guarantee and second and subsequent mortgages on properties, as long as the entity demonstrates its effectiveness. When assessing the effectiveness of the second and subsequent mortgages on properties the entity will implement particularly restrictive criteria. It will take into account, among others, whether the previous charges are in favour of the entity itself or not and the relationship between the risk guaranteed by them and the property value.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">d)&#160;&#160;&#160;&#160;Personal guarantees, as well as the incorporation of new owners, covering the entire amount of the financial instruments and implying direct and joint liability to the entity of persons or other entities whose solvency is sufficiently proven to ensure the repayment of the loan on the agreed terms.</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:130%">The different aspects that the Group considers for the evaluation of effective guarantees are set out below in relation to the individual analysis.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i31f6193db9db45db9ab2d4646cdb5ac2"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Financial instruments presentation</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:130%">For the purposes of estimating the impairment amount, and in accordance with its internal policies, the Group classifies its financial instruments (financial assets, commitments and guarantees) measured at amortised cost or fair value through other comprehensive income in one of the following categories:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Normal Risk ('stage 1'): includes all instruments that do not meet the requirements to be classified in the rest of the categories.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Normal risk under watchlist ('stage 2'): includes all instruments that, without meeting the criteria for classification as doubtful or default risk, have experienced significant increases in credit risk since initial recognition.</span></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfCreditRiskExplanatory" id="f-1298" continuedAt="f-1298-1" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In order to determine whether a financial instrument has increased its credit risk since initial recognition and is to be classified in stage 2, the Group considers the following criteria:</span></div></ix:nonNumeric></div></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">157</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-140"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1297-3" continuedAt="f-1297-4"><ix:continuation id="f-1193-19" continuedAt="f-1193-20"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-1298-1"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:18.653%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:79.147%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Quantitative criteria</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the risk of a default occurring through the expected life of the financial instrument are analysed and quantified with respect to its credit level in its initial recognition.<br/></span><span style="font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><br/></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">With the purpose of determining if such changes are considered as significant, with the consequent classification into stage 2, each Group unit has defined the quantitative thresholds to consider in each of its portfolios taking into account corporate guidelines ensuring a consistent interpretation in all units.<br/></span><span style="font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><br/></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Within the quantitative thresholds, two types are considered: A relative threshold is those that compare current credit quality with credit quality at the time of origination in percentage terms of change. In addition, an absolute threshold compares both references in total terms, calculating the difference between the two. These absolute/relative concepts are used homogeneously (with different values) in all geographies. The use of one type of threshold or another (or both) is determined in accordance with the process described in note 54, below, and is marked by the type of portfolio and characteristics such as the starting point of the average credit quality of the portfolio.</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Qualitative criteria</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:110%">In addition to the quantitative criteria indicated, various indicators are used that are aligned with those used by the Group in the normal management of credit risk. Irregular positions of more than 30 days and renewals are common criteria in all Group units. In addition, each unit can define other qualitative indicators, for each of its portfolios, according to the particularities and normal management practices in line with the policies currently in force (i.e. use of management alerts, etc.).<br/>The use of these qualitative criteria is complemented with the use of an expert judgement, under the corresponding governance.</span></div></td></tr></table></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In the case of forbearances, instruments classified as 'normal risk under watchlist' may be generally reclassified to 'normal risk' in the following circumstances: at least two years have elapsed from the date of reclassification to that category or from its forbearance date, the client has paid the accrued principal and interest balance, and the client has no other instruments with more than 30 days past due balances.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Doubtful Risk ('stage 3'): includes financial instruments, overdue or not, in which, without meeting the circumstances to classify them in the category of default risk, there are reasonable doubts about their total repayment (principal and interests) by the client in the terms contractually agreed. Likewise, off-balance-sheet exposures whose payment is probable and their recovery doubtful are considered in stage 3. Within this category, two situations are differentiated:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Doubtful risk for non-performing loans: financial instruments, irrespective of the client and guarantee, with balances more than 90 consecutive days on material arrears for principal, interest or expenses contractually agreed. </span></div><div style="margin-bottom:9pt;padding-left:21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This category also includes all loan balances for a client  when the operations with more than 90 consecutive days on material arrears are greater than 20% of the amounts pending collection. </span></div><div style="margin-bottom:9pt;padding-left:21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">These instruments may be reclassified to other categories if, as a result of the collection of part of the past due balances, the reasons for their classification in this category do not remain and the client does not have balances more than 90 consecutive days on material arrears in other loans.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Doubtful risk for reasons other than non-performing loans: this category includes doubtful recovery financial instruments that are not more than 90 consecutive days on material arrears.</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:130%">Grupo Santander considers that a financial instrument to be doubtful for reasons other than delinquency when one or more combined events have occurred with a negative impact on the estimated future cash flows of the financial instrument. To this end, the following indicators, among others, are considered:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.31pt">Negative net equity or decrease because of losses of the client's net equity by at least 50% during the last financial year.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.01pt">Continued losses or significant decrease in revenue or, in general, in the client's recurring cash flows.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.92pt">Generalised delay in payments or insufficient cash flows to service debts.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">d)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.01pt">Significantly inadequate economic or financial structure or inability to obtain additional financing by the client.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">e)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.25pt">Existence of an internal or external credit rating showing that the client is in default.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">f)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.73pt">Existence of overdue customer commitments with a significant amount to public institutions or employees.</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:130%">These financial instruments may be reclassified to other categories if, as a result of an individualised study, reasonable doubts do not remain about the total repayment under the contractually agreed terms and the client does not have balances of 90 days on material arrears.</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:130%">In the case of forbearances, instruments classified as doubtful risk may be reclassified to the category of 'normal risk under watchlist' when the following circumstances are present: a minimum period of one year has elapsed from the forbearance date, the client has paid the accrued principal and interest amounts, and the client has no other loan balances of 90 days on material arrears.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Default Risk: includes all financial assets, or part of them, for which, after an individualised analysis, their recovery is considered remote due to a notorious and irrecoverable deterioration of their solvency.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In any event, except in the case of financial instruments with effective collateral covering a substantial portion of the transaction amount, the Group generally consider as remote the following:</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-indent:-6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">- Those operations that, after an individualized analysis, are categorized as unsustainable debt, assuming an irrecoverability of such debt.</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-indent:-6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">- Transactions classified as doubtful due to non-performing loans with recovery costs that exceed the amounts receivable.</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-indent:-6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">- The operations on which the award is executed. The queue of these operations shall be included under default risk, as the recovery of the flows, provided that no further guarantees associated with the operation remain after the award of the property.</span></div></div></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">158</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-141"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1297-4" continuedAt="f-1297-5"><ix:continuation id="f-1193-20" continuedAt="f-1193-21"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:18pt;text-indent:-6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">- Those operations on which a deduction is made, the portion of the operation corresponding to that deduction, will be given as a balance at the time of signature.</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:130%">A financial asset amount is maintained in the balance sheet until they are considered as a 'default risk', either all or a part of it, and the write-off is registered against the balance sheet.</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:130%">In the case of operations that have only been partially derecognised, for forgiveness reasons or because part of the total balance is considered unrecoverable, the remaining amount shall be fully classified in the category of 'doubtful risk', except where duly justified.</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:130%">The classification of a financial asset, or part of it, as a 'default risk' does not involve the disruption of negotiations and legal proceedings to recover the amount.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="iccd172da29b94981aac9cadfebbc7e65"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Impairment valuation assessment</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:130%">Grupo Santander has policies, methods and procedures in place to hedge its credit risk, both due to the insolvency attributable to counterparties and its residence in a specific country. </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:130%">These policies, methods and procedures are applied in the concession, study and documentation of financial assets, commitments and guarantees, as well as in the identification of their impairment and in the calculation of the amounts needed to cover their credit risk.</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:130%">The impairment represents the best estimation of the financial assets expected credit losses at the balance sheet date, assessed both individually and collectively.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Individually: for the purposes of estimating the provisions for credit risk arising from the insolvency of a financial instrument, the Group individually assesses impairment by estimating the expected credit losses on those financial instruments that are considered to be significant and with sufficient information to make such an estimate.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Therefore, this classification mostly includes wholesale banking customers &#8212;Corporations, specialised financing&#8212; as well as some of the largest companies &#8212;Chartered and real estate developers&#8212; from retail banking. The determination of the perimeter in which the individualised estimate is applied is detailed in a later section.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The individually assessed impairment estimate is equal to the difference between the gross carrying amount of the financial instrument and the estimated value of the expected cash flows receivable discounted using the original effective interest rate of the transaction. The estimate of these cash flows takes into account all available information on the financial asset and the effective guarantees associated with that asset. This estimation process is detailed below.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Collectively: the Group also assesses impairment by estimating the expected credit losses collectively in cases where they are not assessed on an individual basis. This includes, for example, loans with individuals, sole proprietors or businesses in retail banking  subject to a standardised risk management.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For the purposes of the collective assessment of expected credit losses, the Group has consistent and reliable internal models. For the development of these models, instruments with similar credit risk characteristics that are indicative of the debtors' capacity to pay are considered.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The credit risk characteristics used to group the instruments are, among others: type of instrument, debtor's sector of activity, geographical area of activity, type of guarantee, aging of past due balances and any other factor relevant to estimating the future cash flows.</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:130%">Grupo Santander performs retrospective and monitoring tests to evaluate the reasonableness of the collective estimate.</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:130%">On the other hand, the methodology required to estimate the expected credit loss due to credit events is based on an unbiased and weighted consideration by the probability of occurrence of a series of scenarios, considering a range of three to five possible future scenarios, depending on the characteristics of each unit, which could have an impact on the collection of contractual cash flows, always taking into account the time value of money, as well as all available, reasonable and sustainable information on past events, current conditions and forecasts of the evolution of macroeconomic scenarios that are shown to be relevant for the estimation of this amount (for example: GDP (Gross Domestic Product), housing price, unemployment rate, etc.).</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:130%">The estimation of expected losses requires expert judgment and the support of historical, current and future information. The probability of loss is measured considering past events, the present situation and future trends of macroeconomic scenarios.</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:130%">Grupo Santander uses forward-looking information in both internal risk management and prudential regulation processes, so that for the calculation of the impairment loss allowance, various scenarios are incorporated that take advantage of the experience with such information, thus ensuring consistency in obtaining the expected loss.</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:130%">The complexity of the estimation in this exercise has been derived from the current macroeconomic scenario as a consequence of the complex geopolitical situation, as well changes in inflations levels and interest rates, which has generated uncertainty in economic evolution.</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:130%">Grupo Santander has internally ensured the criteria to be followed for guarantees received from government bodies, both through credit lines and other public guarantees, so that when they are adequately reflected in each of the contracts, they are recognised as mitigating factors of the potential expected losses, and therefore of the provisions to be recognised, based on the provisions of the applicable standard (IFRS 9 Par. B5.5.55). Furthermore, where applicable, these guarantees are appropriately reflected in the mitigation of the significant increase in risk, considering their nature as personal guarantees.</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:130%">For the estimation of the parameters used in the estimation of impairment provisions -EAD (exposure at default), PD (probability of default), LGD (loss given default)-, the Group based its experience in developing internal models for the estimation of parameters both in the regulatory area and for management purposes, adapting the development of the impairment provision models under IFRS 9.</span></div></div></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">159</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-142"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1297-5" continuedAt="f-1297-6"><ix:continuation id="f-1193-21" continuedAt="f-1193-22"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Exposure at default: is the amount of estimated risk incurred at the time of the counterparty's analysis.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Probability of default: is the estimated probability that the counterparty will default on its principal and/or interest payment obligations.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Loss given default: is the estimate of the severity of the loss incurred in the event of non-compliance. It depends mainly on the updating of the guarantees associated with the operation and the future cash flows that are expected to be recovered.</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:130%">In any case, when estimating the flows expected to be recovered, portfolio sales are included. It should be noted that due to the Group's recovery policy and the experience observed in relation to the prices of past sales of assets classified as stage 3 and/or default risk, there is no substantial divergence between the flows obtained from recoveries after performing recovery management of the assets with those obtained from the sale of portfolios of assets discounting structural expenses and other costs incurred.</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:130%">The definition of default implemented by the Group for the purpose of calculating the impairment provision models is based on the definition in Article 178 of Regulation 575/2013 of the European Union (CRR), which is fully aligned with the requirements of IFRS 9, which considers that a 'default' exists in relation to a specific customer/contract when at least one of the following circumstances exists: the entity considers that there are reasonable doubts about the payment of all its credit obligations or that the customer/contract is in an irregular situation for more than 90 consecutive days past due material balances with respect to any significant credit obligation.</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:130%">Grupo Santander aligned partially and voluntarily during 2022 the accounting definition of Stage 3, as well as the calculation of impairment provision models, to the New Definition of Default, incorporating the criteria defined by the EBA in its implementation guide of the definition of default, capturing the economic deterioration of the operations (days in default - on a daily basis - and materiality thresholds - minimum amount in arrears). The alignment of criteria was done taking into account the criteria of IFRS 9 as well as the accounting principles of unbiased presentation of financial information. Grupo Santander registered an increase in the default rate at around <ix:nonFraction unitRef="number" contextRef="c-1" decimals="4" name="san:DefaultRateExpectedIncreasePercentage" scale="-4" id="f-1299">19</ix:nonFraction> basis points, with <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:ImpactOnCreditRiskProvision" format="ixt:fixed-zero" scale="0" id="f-1300">no</ix:nonFraction> material impact on the provision figures for credit risk.</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:130%">In addition, the Group considers the risk generated in all cross-border transactions due to circumstances other than the usual commercial risk of insolvency (sovereign risk, transfer risk or risks arising from international financial activity, such as wars, natural catastrophes, balance of payments crisis, etc.).</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:130%">IFRS 9 includes a series of practical solutions that can be implemented by entities, with the aim of facilitating its implementation. In order to achieve a complete and high-level implementation of the standard, and following the best practices of the industry, the Group applies these practical solutions adapting them to their own characteristics and circumstances:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Rebuttable presumption that the credit risk has increased significantly, when payments are more than 30 days past due: this threshold is used as an additional, but not primary, indicator of significant risk increase. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Assets with low credit risk at the reporting date: the Group adopts this practice prioritizing its reduced and punctual use and its systematic and periodic justification through quantitative evidence. </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:130%">This information is provided in more detail in note 54.b.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i9c52c0a773f8484bac5280424038dcc7"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iv. Detail of individual estimate of impairment</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:130%">For the individual estimate of the assessment for impairment of the financial asset, the Group has a specific methodology to estimate the value of the cash flows expected to be collected:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Recovery through the debtor's ordinary activities (going approach).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Recovery through the execution and sale of the collateral guaranteeing the operations (gone approach).</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:130%">Gone approach:</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:130%">a. Evaluation of the effectiveness of guarantees</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:130%">Grupo Santander assesses the effectiveness of all the guarantees associated considering the following:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The time required to execute these guarantees.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Grupo Santander's ability to enforce or assert these guarantees in its favour.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The existence of limitations imposed by each local unit&#180;s regulation on the foreclosure of collateral.</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:130%">Under no circumstances the Group considers that a guarantee is effective if its effectiveness depends substantially on the solvency of the debtor, as could be the case:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Promises of shares or other securities of the debtor himself when their valuation may be significantly affected by a debtor's default.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Personal cross-collateralisation: when the guarantor of a transaction is, at the same time, guaranteed by the holder of that transaction.</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:130%">The different types of effective guarantees have been detailed in section i. Definition</span></div><div style="margin-bottom:6pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b. Valuation of guarantees</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander assesses the guarantees on the basis of their nature in accordance with the following:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Mortgage guarantees on properties associated with financial instruments, using complete individual valuations carried out by independent valuation experts and under generally accepted valuation standards. If this is not possible, alternative valuations are used with duly documented and approved internal valuation models.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Personal guarantees are valued individually on the basis of the guarantor&#180;s updated information.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The rest of the guarantees are valued based on current market values.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c. Adjustments to the value of guarantees and estimation of future cash flow inflows and outflows</span></div></div></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">160</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-143"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1193-22" continuedAt="f-1193-23"><div style="width:100.000%"><ix:continuation id="f-1297-6" continuedAt="f-1297-7"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander applies a series of adjustments to the value of the guarantees in order to improve the reference values:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Adjustments based on the historical sales experience of local units for certain types of assets.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Individual expert adjustments based on additional management information.</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:130%">Likewise, to adjust the value of the guarantees, the time value of money is taken into account based on the historical experience of each of the units, estimating:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Period of adjudication.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Estimated time of sale of the asset.</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:130%">In addition, the Group takes into account all those cash inflows and outflows linked to that guarantee until it is sold:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Possible future income commitments in favour of the borrower which will available after the asset is awarded.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Estimated foreclosure costs.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Asset maintenance costs, taxes and community costs.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Estimated marketing or sales costs.</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:130%">Finally, since it is considered that the guarantee will be sold in the future, the Group applies an additional adjustment ('index forward') in order to adjust the value of the guarantees to future valuation expectations.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i51a0b477e28c414aa9b7a3fe6148a03a"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">v. Impairment individual assessment scope</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:130%">Grupo Santander determines the perimeter over which it makes an estimate of the assessment for impairment on an individual basis based on a relevance threshold set by each of the geographical areas and the stage in which the operations are located. In general, the Group applies the individualised calculation of expected losses to the significant exposures classified in stage 3, although Banco Santander, S.A. has also extended its analyses to some of the exposures classified in stage 2.</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:130%">It should be noted that, in any case and irrespective of the stage in which their transactions are carried out, for customers who do not receive standardised treatment, a relational risk management model is applied, with individualised treatment and monitoring by the assigned risk analyst. In addition to wholesale customers (Santander Corporate &amp; Investment Banking or SCIB) and large companies, this relational management model also includes other segments of smaller companies for which there is information and capacity for more personalised and expert analysis and monitoring.  As indicated in the Group's wholesale credit model, the individual treatment of the client facilitates the continuous updating of information. The risk assumed must be followed and monitored throughout its life cycle, enabling anticipation and action to be taken in the event of possible impairments. In this way, the customer's credit quality is analysed individually, taking into account specific aspects such as his competitive position, financial performance, management, etc. In the wholesale risk management model, every customer with a credit risk position is assigned a rating, which has an associated probability of customer default. </span></div></div></ix:continuation><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-1297-7"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Thus, individual analysis of the debtor triggers a specific rating for each customer, which determines the appropriate parameters for calculating the expected loss, so that it is the rating itself that initially modulates the necessary coverage, adjusting the severity of the possible loss to the guarantees and other mitigating factors that the customer may have available. In addition, if as a result of this individualised monitoring of the customer, the analyst finally considers that his coverage is not sufficient, he has the necessary mechanisms to adjust it under his expert judgement, always under the appropriate governance.</span></div></ix:continuation><div style="margin-bottom:6pt;margin-top:9pt"><span id="i0fd588b877bf487e8eb78d75630d1597"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%">h) <ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory" id="f-1301" continuedAt="f-1301-1" escape="true">'Non-current assets' and 'liabilities associated with non-current assets held for sale'</ix:nonNumeric></span></div><ix:continuation id="f-1301-1" continuedAt="f-1301-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Non-current assets held for sale' includes the carrying amount of individual items, disposal groups or items forming part of a business unit earmarked for disposal (discontinued operations), whose sale in their present condition is highly likely to be completed within one&#160;year from the reporting date. Therefore, the recovery of the carrying amount of these items&#160;-which can be of a financial nature or otherwise- will foreseeably be effected through the proceeds from their disposal.</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:130%">Specifically, property or other non-current assets received by the consolidated entities as total or partial settlement of their debtors&#8217; payment obligations to them are deemed to be 'Non-current assets held for sale', unless the consolidated entities have decided to make continuing use of these assets.</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:130%">'Liabilities associated with non-current assets held for sale' includes the balances payable arising from the assets held for sale or disposal groups and from discontinued operations.</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:130%">'Non-current assets and disposal groups of items that have been classified as held for sale' are generally recognised at the date of their allocation to this category and are subsequently valued at the lower of their fair value less costs to sell or its book value. 'Non-current assets and disposal groups of items that are classified as held for sale' are not amortised as long as they remain in this category.</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:130%">The valuation of the portfolio of non-current assets held for sale has been made in compliance with the requirements of International Financial Reporting Standards in relation to the estimate of the fair value of tangible assets and the value-in-use of financial assets.</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:130%">The value of the portfolio is determined as the sum of the values of the individual elements that compose the portfolio, without considering any total or batch grouping in order to correct the individual values.</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:130%">For the purposes of its consideration in initial recognition, the Group obtains, at the time of award, the fair value of the corresponding asset by requesting an appraisal from external valuation agencies.</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:130%">Grupo Santander has in place a corporate policy that ensures the professional competence and the independence and objectivity of the external appraisal agencies, in accordance with the regulations, which require appraisal agencies to meet independence, neutrality and credibility requirements, so that the use of their estimates does not reduce the reliability of its valuations. </span></div></ix:continuation></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">161</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-144"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1301-2" continuedAt="f-1301-3"><ix:continuation id="f-1193-23" continuedAt="f-1193-24"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This policy establishes that all the appraisal companies and agencies with which the Group works in Spain should be registered in the Official Register of the Bank of Spain and that the appraisals performed by them should follow the methodology established in Order ECO/805/2003, of 27 March. The main appraisal companies and agencies with which the Group worked in Spain in 2025 are as follows: Tinsa Tasaciones Inmobiliarias, S.A.U., Sociedad de Tasaci&#243;n, S.A., Global Valuation, S.A.U., Instituto de Valoraciones, S.A., Euroevaluaciones, S.A. and Valoraciones Mediterr&#225;neo, S.A. </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:130%">Also, this policy establishes that the various subsidiaries abroad work with appraisal companies that have recent experience in the area and the type of asset under appraisal and meet the independence requirements established in the corporate policy. They should verify, inter alia, that the appraisal company is not a party related to the Group and that its billings to the Group in the last twelve&#160;months do not exceed <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="san:MaximumBillingsPercentage" scale="-2" id="f-1302">15</ix:nonFraction>% of the appraisal company&#8217;s total billings.</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:130%">At 31 December 2025 the fair value less costs to sell of non-current assets held for sale exceeded their carrying amount by EUR <ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale" scale="6" id="f-1303">551</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale" scale="6" id="f-1304">553</ix:nonFraction> million at 31 December 2024); however, in accordance with the accounting standards, this unrealised gain could not be recognised.</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:130%">Banco Santander, in compliance with Bank of Spain Circular 4/2017, and subsequent amendments, on public and private financial reporting standards and financial statement models, has developed a methodology that enables it to estimate the fair value and costs of sale of assets foreclosed or received in payment of debts. This methodology is based on the classification of the portfolio of foreclosed assets into different segments. Segmentation enables the intrinsic characteristics of Banco Santander's portfolio of foreclosed assets to be differentiated, so that assets with homogeneous characteristics are grouped by segment.</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:130%">Thus, the portfolio is segmented into (i) finished assets of a residential and tertiary nature, (ii) developments in progress and (iii) land.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">1</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:121%">In determining the critical segments in the overall portfolio, assets are classified on the basis of the nature of the asset and its stage of development. This segmentation is made in order to seek the liquidation of the asset (which should be carried out in the shortest possible time).</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:130%">When making decisions, the situation and/or characteristics of the asset are fundamentally taken into account, as well as the evaluation of all the determining factors that favour the recovery of the debt. For them, the following aspects are analyzed, among others:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The time that has elapsed since the adjudication.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The transferability and contingencies of the foreclosed asset.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The economic viability from the real estate point of view with the necessary investment estimate.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The expenses that may arise from the marketing process.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The offers received, as well as the difficulties in finding buyers.</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:130%">In the case of real estate assets foreclosed in Spain, which represent <ix:nonFraction unitRef="number" contextRef="c-307" decimals="2" name="san:NonCurrentAssetsClassifiedAsHeldForSalePercentage" scale="-2" id="f-1305">76</ix:nonFraction>% of the Group&#8217;s total non-current assets held for sale, the valuation of the portfolio is carried out by applying the following models:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Market Value Model used in the valuation of finished properties of a residential nature (mainly homes and car parks) and properties of a tertiary nature (offices, commercial premises and multipurpose buildings). For the valuation of finished assets whose availability for sale is immediate, a market sale value provided by a third party external to Banco Santander is considered, calculated under the AVM methodology by the comparable properties method adjusted by our experience in selling similar assets, given the term, price, volume, trend in the value of these assets and the time elapsing until their sale and discounting the estimated costs of sale.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The market value is determined on the basis of the definition established by the International Valuation Standards drawn up by the IVSC (International Valuation Standards Council), understood as the estimated amount for which an asset or a liability should be exchanged on the measurement date between a willing buyer and a willing seller, in an arm's length transaction, after appropriate marketing, and in which the parties have acted with sufficient information, prudently and without coercion.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The current market value of the properties is estimated on the basis of automated valuations obtained by taking comparable properties as a reference; simulating the procedure carried out by an appraiser in a physical valuation according to Order ECO 805/2003: selection of properties and obtaining the unit value by applying homogenisation adjustments. The selection of the properties is carried out by location within the same real estate cluster and according to the characteristics of the properties, filtering by type</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, surface area range and age. The model enables a distinction to be made within the municipality under study as to which areas are similar and comparable and therefore have a similar value in the property market, discriminating between which properties are good comparators and which are not.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Adjustments to homogenize the properties are made according to: (i) the age of the property according to the age of the property to be valued, (ii) the deviation of the built area from the common area with respect to the property to be valued and (iii) by age of the date of capture of the property according to the price evolution index of the real estate market.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, for individually significant assets, complete individual valuations are carried out, including a visit to the asset, market analysis (data relating to supply, demand, current sale or rental price ranges and supply-demand and revaluation expectations) and an estimate of expected income and costs.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span><br/></span></div></div></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">1. The assets in a situation of 'stopped development' are included under 'land</span></div><div style="padding-left:9.07pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">2. Assets qualified as protected housing are taken into account. The maximum legal value of these assets is determined by the VPO module, obtained from the result of multiplying the State Basic Module (MBE) by a zone coefficient determined by each autonomous community. To carry out the valuation of a protected property, the useful surface area is used in accordance with current regulations.</span></div></ix:continuation></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">162</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-145"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1301-3"><ix:continuation id="f-1193-24" continuedAt="f-1193-25"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%">For this segmentation of assets, when they are completed, the real costs are known and the actual expenses for the marketing and sale of the asset must be taken into account. Therefore, Banco Santander uses the actual costs in its calculation engine or, failing that, those estimated on the basis of its observed experience.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Market Value Model according to Evolution of Market Values used to update the valuation of developments in progress. The valuation model estimates the current market value of the properties based on complete individual valuations by third parties, calculated from the values of the feasibility studies and development costs of the promotion, as well as the selling costs, distinguishing by location, size and type of property. The inputs used in the valuation model for residential assets under construction are actual revenues and costs.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For this purpose, in order to calculate the investment flows, Banco Santander considers, on the basis of the feasibility studies, the expenditure required for construction, the professional fees relating to the project and to project management, the premiums for mandatory building insurance, the developer's administrative expenses, licenses, taxes on new construction and fees, and urban development charges.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">With respect to the calculation of income flows, Banco Santander takes into account the square metres built, the number of homes under construction and the estimated selling price over 1.5 years.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The market value will be the result of the difference between the income flows and the investment flows estimated at each moment.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Land Valuation model. The methodology followed by the Group regarding land valuation consists of updating the individual reference valuation of each of the land on an annual basis, through updated valuation valuations carried out by independent professionals and following the methodology established in the Order ECO/805/2003, of 27 March, whose main verifications in the case of land valuation, regardless of the degree of urbanisation of the land, correspond to:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Visual verification of the assessed property.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Registry description.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Urban planning.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Visible easements.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Visible state of occupation, possession, use and exploitation.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Protection regime.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Apparent state of preservation.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Correspondence with cadastral property.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Existence of expropriation procedure, expropriation plan or project, administrative resolution or file that may lead to expropriation.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Expiry of the urbanization or building deadlines.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Existence of a procedure for failure to comply with obligations.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Verification of surfaces.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For the purposes of valuation, the land will be classified in the following levels:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Level I: It will include all the lands that do not belong to level II.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Level II: It shall include land classified as undeveloped where building is not allowed for uses other than agriculture, forestry, livestock or linked to an economic exploitation permitted by the regulations in force. Also included are lands classified as developable that are not included in a development area of urban planning or that, in such an area, the conditions for its development have not been defined.</span></div><div style="margin-bottom:9pt;padding-left:21.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In those cases where the Group does not have an updated reference value through an ECO valuation for the current year, we use as a reference value the latest available ECO valuation reduced or corrected by the average annual coverage ratio of the land on which we have obtained an updated reference value, through an ECO valuation. </span></div><div style="margin-bottom:9pt;padding-left:21.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander applies a discount to the aforementioned reference values that takes into account both the discount on the reference value in the sales process and the estimated costs of marketing or selling the land; discount on reference value = % discount on sales + % marketing costs being:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">% discount on Sales: = 100 - (sales price / updated appraisal value).</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">marketing costs: calculated on the basis of our historical experience in sales and in accordance with the marketing management fees negotiated with our suppliers of this type of service.</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:130%">In this way the Group obtains the corrected market value, an amount that we compare with the net cost of each piece of land to determine its correct valuation and conclude with our valuation process.</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:130%">In addition, in relation to the previously mentioned valuations, less costs to sell, are contrasted with the sales experience of each type of asset in order to confirm that there is no significant difference between the sale price and the valuation.</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:130%">Impairment losses on an asset or disposal group arising from a reduction in its carrying amount to its fair value (less costs to sell) are recognised under 'Gains or (losses) on non-current assets held for sale not classified as discontinued operations' in the consolidated income statement.</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:130%">The gains on a non-current asset held for sale resulting from subsequent increases in fair value (less costs to sell) increase its carrying amount and are recognised in the consolidated income statement up to an amount equal to the impairment losses previously recognised.</span></div></div></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">163</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-146"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1193-25" continuedAt="f-1193-26"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i9e34092d6b834964bbfc2ab45bfbad53"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">i) <ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForReinsuranceExplanatory" id="f-1306" continuedAt="f-1306-1" escape="true">Assets under reinsurance contracts and Liabilities under insurance contracts</ix:nonNumeric></span></div><ix:continuation id="f-1306-1" continuedAt="f-1306-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The Group has prepared the accounting policy that establishes the criteria for recording insurance contracts, in accordance with IFRS 17. This standard defines insurance contracts as contracts under which one party accepts a significant insurance risk from another party by agreeing to compensate the policyholder if a specific uncertain future event negatively affects the policyholder. </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:130%">IFRS 17 requires a level of aggregation of contracts that the Group identifies in portfolios of contracts with similar risks and that are managed jointly. The Group then divides each portfolio into a minimum of three groups: (i) contracts that are onerous on initial recognition; (ii) contracts that, upon initial recognition, have no significant possibility of subsequently becoming onerous; and (iii) any remaining contract.</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:130%">For contracts that are considered not to be onerous, a profit margin is recognized in the profit and loss account (referred to as 'Contractual Service Margin' or 'CSM') throughout the period in which the entity performs the service. However, if at the time of initial recognition, or during the period in which the entity performs the service, the contract is onerous, the entity recognizes the loss in the income statement. </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:130%">Contract limits define the term up to which compliance cash flows must be considered in order to measure an insurance contract. Fulfilment cash flows comprise an unbiased, probability-weighted estimate of future cash flows, a discount adjustment to the present value to reflect the time value of money for monetary and financial risks, and a risk adjustment for non-fulfilment risks. financial. The identification of the contractual limit under IFRS 17 is essential not only for measuring the fulfilment cash flows of a group of contracts, but also for determining the applicable measurement model, in case the contractual limits are identified in a year or more.</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:130%">Cash flows are within the contractual limit of an insurance contract if they arise from substantial rights and obligations that exist during the reporting period, in which the entity can obligate the insurance policyholder to pay premiums or in which the entity has a substantive obligation to provide services to the insured. </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:130%">The Group has carried out an analysis of the limits of insurance and reinsurance contracts under IFRS 17, separately, generally applying the General Model (Building Block Approach) to all contracts, except those eligible to be valued by the Simplified Model (Premium Allocation Approach), or the Variable Commission Approach ('VCA' or Variable Fee Approach). </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:130%">The general model measures a group of contracts as the sum of the fulfilment cash flows and the Contractual Service Margin. The CSM represents benefits not yet recorded that the entity will recognize as providing services under the insurance contract.</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:130%">Insurance contracts with direct participation apply the VCA as a modified version of the General Model. This should reduce the volatility of results due to the asymmetry between the accounting treatment of the profit and losses of the underlying items attributable to the policyholders and the accounting treatment of the liability owed to those policyholders. </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:130%">Another aspect considered in measuring the present value of the future cash flows of a group of insurance contracts is the discount </span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-1306-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">rate applied to reflect the time value of money and the financial risks related to those cash flows. The Group has established a generally chosen methodology and guarantees that the calculation components have a homogeneous basis, previously approved by the Group, establishing the base curves provided by the Group and allowing adjustments to these curves based on the expert criteria of each local address.</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:130%">Likewise, measuring compliance cash flows requires a risk adjustment for non-financial risk. Risk adjustment for non-financial risk is the compensation necessary to withstand uncertainty about the amount and timing of cash flows arising from non-financial risks. If a change in the assumptions occurs, it could affect the income statement or the Other comprehensive income, depending on its nature. The risks covered by the risk adjustment for non-financial risk are insurance risk and other non-financial risks, such as interruption risk and expense risk.</span></div></ix:continuation><div style="margin-bottom:6pt;margin-top:9pt"><span id="i07112059568442ae9edf43226bafac77"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">j) <ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory" id="f-1307" continuedAt="f-1307-1" escape="true">Tangible assets</ix:nonNumeric></span></div><ix:continuation id="f-1307-1" continuedAt="f-1307-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Tangible assets includes the amount of buildings, land, furniture, vehicles, computer hardware and other fixtures owned by the consolidated entities or acquired under finance leases. Tangible assets are classified by use as follows:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ib2f05474c0d844f49d5d7c7a377f5dc0"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Property, plant and equipment for own use</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:130%">Property, plant and equipment for own use&#160;&#8211; including tangible assets received by the consolidated entities in full or partial satisfaction of financial assets representing receivables from third parties which are intended to be held for continuing use and tangible assets acquired under finance leases&#8211; are presented at acquisition cost, less the related accumulated depreciation and any estimated impairment losses (carrying amount higher than recoverable amount).</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:130%">Depreciation is calculated, using the straight-line method, on the basis of the acquisition cost of the assets less their residual value. The land on which the buildings and other structures stand has an indefinite life and, therefore, is not depreciated. </span></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory" id="f-1308" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The annual tangible asset depreciation charge is recognised in the consolidated income statement and are essentially equivalent to the following amortization percentages (determined based on the years of estimated useful life, on average, of the different elements):</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:64.332%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.468%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Average<br/>annual&#160;rate</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Buildings for own use</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-308" decimals="3" name="ifrs-full:DepreciationRatePropertyPlantAndEquipment" scale="-2" id="f-1309">2.4</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Furniture</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-309" decimals="3" name="ifrs-full:DepreciationRatePropertyPlantAndEquipment" scale="-2" id="f-1310">9.5</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Fixtures</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-310" decimals="3" name="ifrs-full:DepreciationRatePropertyPlantAndEquipment" scale="-2" id="f-1311">9.5</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Office and IT equipment</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-311" decimals="3" name="ifrs-full:DepreciationRatePropertyPlantAndEquipment" scale="-2" id="f-1312">23.6</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Lease use rights</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Less than the lease<br/>term or the useful life<br/>of the underlying asset</span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At the end of each reporting period, consolidated entities assess whether there is any indication that the carrying amount of an asset exceeds its recoverable amount, in which case they write down the carrying amount of the asset to its recoverable amount and adjust future depreciation charges in proportion to its adjusted carrying amount and to its new remaining useful life, if the useful life needs to be re-estimated.</span></div></ix:continuation></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">164</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-147"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1193-26" continuedAt="f-1193-27"><div style="width:100.000%"><ix:continuation id="f-1307-2" continuedAt="f-1307-3"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Similarly, if there is an indication of a recovery in the value of a tangible asset, the consolidated entities recognise the reversal of the impairment loss recognised in prior periods and adjust the future depreciation charges accordingly. In no circumstances may the reversal of an impairment loss on an asset raise its carrying amount above that which it would have if no impairment losses had been recognised in prior years.</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:130%">The estimated useful lives of the items of property, plant and equipment for own use are reviewed at least at the end of the reporting period with a view to detecting significant changes therein. If changes are detected, the useful lives of the assets are adjusted by correcting the depreciation charge to be recognised in the consolidated income statement in future years on the basis of the new useful lives.</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:130%">Upkeep and maintenance expenses relating to property, plant and equipment for own use are recognised as an expense in the period in which they are incurred, since they do not increase the useful lives of the assets.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i7a85c7851c4b4ffcb8804bcfad57748e"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Investment property</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:130%">'Investment property' reflects the net values of the land, buildings and other structures held either to earn rentals or for obtaining profits by sales due to future increase in market prices.</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:130%">The criteria used to recognise the acquisition cost of investment property, to calculate its depreciation and its estimated useful life and to recognise any impairment losses thereon are consistent with those described in relation to property, plant and equipment for own use.</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:130%">In the case of investment properties that support obligations to pay a return directly linked to fair value, or to the returns of certain assets including the investment property itself, such properties are measured using the fair value model.</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:130%">In order to evaluate the possible impairment Grupo Santander determines periodically the fair value of its investment property so that, at the end of the reporting period, the fair value reflects the market conditions of the investment property at that date. This fair value is determined annually, taking as benchmarks the valuations performed by independent experts. The methodology used to determine the fair value of investment property is selected based on the status of the asset in question; thus, for properties earmarked for lease, the valuations are performed using the sales comparison approach, whereas for leased properties the valuations are made primarily using the income capitalisation approach and, exceptionally, the sales comparison approach.</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:130%">In the sales comparison approach, the property market segment for comparable properties is analysed, inter alia, and, based on specific information on actual transactions and firm offers, current prices are obtained for cash sales of those properties. The valuations performed using this approach are considered as Level 2 valuations.</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:130%">In the income capitalisation approach, the cash flows estimated to be obtained over the useful life of the property are discounted taking into account factors that may influence the amount and actual obtainment thereof, such as: (i) the payments that are normally received on comparable properties; (ii) current and probable future occupancy; (iii) the current or foreseeable default rate on payments. The valuations performed using this approach </span></div></div></ix:continuation><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-1307-3"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">are considered as Level 3 valuations, since significant unobservable inputs are used, such as current and probable future occupancy and/or the current or foreseeable default rate on payments.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i6f8e1d7c99f048ef8f1577acde4dd1f9"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Assets leased out under an operating lease</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:130%">'Property, plant and equipment'&#160;- Leased out under an operating lease reflects the amount of the tangible assets, other than land and buildings, leased out by the Group under an operating lease.</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:130%">The criteria used to recognise the acquisition cost of assets leased out under operating leases, to calculate their depreciation and their respective estimated useful lives and to recognise the impairment losses thereon are consistent with those described in relation to property, plant and equipment for own use.</span></div></ix:continuation><div style="margin-bottom:6pt"><span id="ie2166e8db4d74270b4340a707dca0919"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">k) <ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory" id="f-1313" continuedAt="f-1313-1" escape="true">Accounting for leases</ix:nonNumeric></span></div><ix:continuation id="f-1313-1" continuedAt="f-1313-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The main aspects contained in the regulation (IFRS 16) adopted by the Group are included below:</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:130%">When the Group acts as lessee, it recognises a right-of-use asset representing its right to use the underlying leased asset with a corresponding lease liability on the date on which the leased asset is available for use by the Group.</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:130%">Each lease payment is allocated between liability and finance charge. The finance charge is allocated to the income statement during the term of the lease in such a way as to produce a constant periodic interest rate on the remaining balance of the liability for each year.</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:130%">The right-of-use asset is depreciated over the useful life of the asset or the lease term, whichever is shorter, on a straight-line basis. If the Group is reasonably certain to exercise a purchase option, the right-of-use asset is amortized over the useful life of the underlying asset. </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:130%">Assets and liabilities arising from a lease are initially measured at present value. Lease liabilities include the net present value of the following lease payments:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Fixed payments (including inflation-linked payments), less any lease incentive receivable.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Variable lease payments that depend on an index or rate.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">The amounts expected to be paid by the lessee under residual value guarantees.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">The exercise price of a purchase option if the lessee is reasonably certain that it will exercise that option.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Lease termination penalty payments, if the term of the lease reflects the lessee's exercise of that option.</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:130%">Lease payments are discounted using the interest rate implicit in the lease. When this interest rate cannot be obtained, the interest rate used in these cases, is the lessee's incremental borrowing rate at the related date. For this purpose, the entity has calculated this incremental borrowing rate taking as reference the listed debt instruments issued by the Group; in this regard, the Group has estimated different interest rate curves depending on the currency and economic environment in which the contracts are located. </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:130%">In order to construct the incremental borrowing rate, a methodology has been developed at the corporate level. This </span></div></ix:continuation></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">165</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-148"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1193-27" continuedAt="f-1193-28"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-1313-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">methodology is based on the need for each entity to consider its economic and financial situation, for which the following factors must be considered:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Economic and political situation (country risk).</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Credit risk of the company.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Monetary policy.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Volume and seniority of the company&#8217;s debt instrument issues.</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:130%">The incremental borrowing rate is defined as the interest rate that a lessee would have to pay for borrowing, given a similar period to the duration of the lease and with similar security, the funds necessary to obtain an asset of similar value to the right-of-use asset in a similar economic environment. The Group entities have a wide stock and variety of financing instruments issued in different currencies to that of the euro (pound, dollar, etc.) that provide sufficient information to be able to determine an 'all in rate' (reference rate plus adjustment for credit spread at different terms and in different currencies).  In circumstances, where the leasing company has its own financing, this has been used as the starting point for determining the incremental borrowing rate. On the other hand, for those Grupo Santander entities that do not have their own financing, the information from the financing of the consolidated subgroup to which they belong was used as the starting point for estimating the entity's curve, analysing other factors to assess whether it is necessary to make any type of negative or positive adjustment to the initially estimated credit spread.</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:130%">Right-of-use assets are valued at cost which includes the following:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">The amount of the initial measurement of the lease liability.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Any lease payment made at or before the commencement date less any lease incentive received.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Any initial direct costs.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Restoration costs.</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:130%">The Group recognises the payments associated with short-term leases and leases of low-value assets on a straight-line basis as an expense in the income statement. Short-term leases are leases with a lease term less than or equal to 12 months (a lease that contains a purchase option is not a short term lease).</span></div></ix:continuation><div style="margin-bottom:6pt;margin-top:9pt"><span id="idbb2cc688ae64cfe86b1fc784d379442"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">l) <ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory" id="f-1314" continuedAt="f-1314-1" escape="true">Intangible assets</ix:nonNumeric></span></div><ix:continuation id="f-1314-1" continuedAt="f-1314-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Intangible assets are identifiable non-monetary assets (separable from other assets) without physical substance which arise as a result of a legal transaction or which are developed internally by the consolidated entities.</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:130%">Only assets whose cost can be measured reliably and it is likely that the consolidated entities obtain future economic benefits are recognised.</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:130%">Intangible assets are recognised initially at acquisition or production cost and are subsequently measured at cost less any accumulated amortisation and any accumulated impairment losses.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:continuation id="f-1314-2" continuedAt="f-1314-3"><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="ia2fb0f774fdb4b1eb81bb870a8df5761"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Goodwill</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:130%">Any excess of the cost of the investments in the consolidated entities and entities accounted for using the equity method over the corresponding underlying carrying amounts acquired, adjusted at the date of first-time consolidation, is allocated as follows:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt">If it is attributable to specific assets and liabilities of the companies acquired, by increasing the value of the assets (or reducing the value of the liabilities) whose fair values were higher (lower) than the carrying amounts at which they had been recognised in the acquired entities&#8217; balance sheets.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt">If it is attributable to specific intangible assets, by recognising it explicitly in the consolidated balance sheet provided that the fair value of these assets within twelve months following the date of acquisition can be measured reliably.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.48pt">The remaining amount is recognised as goodwill, which is allocated to one or more cash-generating units (CGU) (a cash-generating unit is the smallest identifiable group of assets that, as a result of continuing operation, generates cash inflows that are largely independent of the cash inflows from other assets or groups of assets). The cash-generating units represent the Group&#8217;s geographical and/or business segments.</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:130%">Goodwill (only recognised when it has been acquired by consideration) represents, therefore, a payment made by the acquirer in anticipation of future economic benefits from assets of the acquired entity that are not capable of being individually identified and separately recognised.</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:130%">At the end of each annual reporting period or whenever there is any indication of impairment goodwill is reviewed for impairment (i.e. a reduction in its recoverable amount to below its carrying amount) and, if there is any impairment, the goodwill is written down with a charge to 'Impairment or reversal of impairment on non-financial assets, net - Intangible assets' in the consolidated income statement.</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:130%">An impairment loss recognised for goodwill is not reversed in a subsequent period.</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:130%">In the event of sale or departure of an activity that is part of a CGU, the part of the goodwill that can be assigned to said activity would be written-off, taking as a reference the relative value of the same over the total of the CGU at the time of sale or abandonment. If applicable, the distribution by currency of the remaining goodwill will be performed based on the relative values of the remaining activities.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i225868c7bd5d45569442ef24309f1781"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Other intangible assets</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:130%">Other intangible assets includes the amount of identifiable intangible assets, such as purchased customer lists and computer software.</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:130%">Other intangible assets can have an indefinite useful life&#160;-when, based on an analysis of all the relevant factors, it is concluded that there is no foreseeable limit to the period over which the asset is expected to generate net cash inflows for the consolidated entities- or a finite useful life, in all other cases.</span></div></div></ix:continuation></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">166</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-149"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1193-28" continuedAt="f-1193-29"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-1314-3"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Intangible assets with indefinite useful lives are not amortised, but rather at the end of each reporting period or whenever there is any indication of impairment the consolidated entities review the remaining useful lives of the assets in order to determine whether they continue to be indefinite and, if this is not the case, to take the appropriate steps.</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:130%">Intangible assets with finite useful lives are amortised over those useful lives using methods similar to those used to depreciate tangible assets.</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:130%">The intangible asset amortisation charge is recognised under 'Depreciation and amortisation' in the consolidated income statement.</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:130%">In both cases the consolidated entities recognise any impairment loss on the carrying amount of these assets with a charge to 'Impairment or reversal of impairment on non-financial assets, net - Intangible assets in the consolidated' income statement. </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:130%">The criteria used to recognise the impairment losses on these assets and, where applicable, the reversal of impairment losses recognised in prior years are similar to those used for tangible assets (see note 2.k).</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i89adc46db5f0489f88538dd2538c9ec3"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Internally developed computer software</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:130%">Internally developed computer software is recognised as an intangible asset if, among other requisites (basically the Group&#8217;s ability to use or sell it), it can be identified and its ability to generate future economic benefits can be demonstrated.</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:130%">Expenditure on research activities is recognised as an expense in the year in which it is incurred and cannot be subsequently capitalised into the carrying amount of the intangible asset.</span></div></ix:continuation><div style="margin-bottom:6pt;margin-top:9pt"><span id="ia138a9b7d61b4fbc84d09d1c29bd2712"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">m) <ix:nonNumeric contextRef="c-1" name="san:OtherAssetsPolicyPolicyTextBlock" id="f-1315" continuedAt="f-1315-1" escape="true">Other assets</ix:nonNumeric></span></div><ix:continuation id="f-1315-1" continuedAt="f-1315-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Other assets' in the consolidated balance sheet includes the amount of assets not recorded in other items, the breakdown being as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Inventories: this item includes the amount of assets, other than financial instruments, that are held for sale in the ordinary course of business, that are in the process of production, construction or development for such purpose, or that are to be consumed in the production process or in the provision of services. Inventories include land and other property held for sale in the property development business.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Inventories are measured at the lower of cost and net realisable value, which is the estimated selling price of the inventories in the ordinary course of business, less the estimated costs of completion and the estimated costs required to make the sale.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Any write-downs of inventories -such as those due to damage, obsolescence or reduction of selling price- to net realisable value and other impairment losses are recognised as expenses for the year in which the impairment or loss occurs. Subsequent reversals are recognised in the consolidated income statement for the year in which they occur.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The carrying amount of inventories is derecognised and recognised as an expense in the period in which the revenue from their sale is recognised.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-1315-2"><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Other: this item includes the balance of all prepayments and accrued income (excluding accrued interest, fees and commissions), the net amount of the difference between pension plan obligations and the value of the plan assets with a balance in the entity&#8217;s favour, when this net amount is to be reported in the consolidated balance sheet, and the amount of any other assets not included in other items.</span></div></ix:continuation><div style="margin-bottom:6pt;margin-top:9pt"><span id="i03d73dffb20e499cb1228d050d090469"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">n) <ix:nonNumeric contextRef="c-1" name="san:OtherLiabilitiesPolicyPolicyTextBlock" id="f-1316" continuedAt="f-1316-1" escape="true">Other liabilities</ix:nonNumeric></span></div><ix:continuation id="f-1316-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">'Other liabilities' includes the balance of all accrued expenses and deferred income, excluding those related to interests and fees on financial instruments, as well as the amount of any other liabilities not included in other categories.</span></div></ix:continuation><div style="margin-bottom:6pt;margin-top:9pt"><span id="i1e101615bae345fb8d7e7edf5a2d2cea"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">o) <ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory" id="f-1317" continuedAt="f-1317-1" escape="true">Provisions and contingent liabilities (assets)</ix:nonNumeric></span></div><ix:continuation id="f-1317-1" continuedAt="f-1317-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">When preparing the financial statements of the consolidated entities, Banco Santander makes a distinction between:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Provisions: credit balances covering present obligations at the reporting date arising from past events which could give rise to a loss for the consolidated entities, which is considered to be likely to occur and certain as to its nature but uncertain as to its amount and/or timing.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Contingent liabilities: possible obligations that arise from past events and whose existence will be confirmed only by the occurrence or non-occurrence of one or more future events not wholly within the control of the consolidated entities. They include the present obligations of the consolidated entities when it is not probable that an outflow of resources embodying economic benefits will be required to settle them. The Group does not recognise the contingent liability. The Group will disclose a contingent liability, unless the possibility of an outflow of resources embodying economic benefits is remote.   </span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Irrevocable contingent payments (ICPs), corresponding to payment facilities allowed under the annual contributions of certain levies, are recorded in accordance with the definitions mentioned above. In this regard, on 14 November 2025, the Group learned that the CJEU had definitively resolved the dispute concerning the CPI contributions made by a financial institution to the Single Resolution Fund, upholding the judgment of the General Court of 25 October 2023, which ruled against said financial institution regarding its request for the return of guarantees linked to irrevocable payment commitments for a Group entity whose license had been withdrawn. In light of this ruling, it was concluded that it was not necessary to modify the accounting entries that the Santander Group has made when using these facilities to make contributions corresponding to this levy or to other similar levies that also allow for such contributions.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Contingent assets: possible assets that arise from past events and whose existence is conditional on, and will be confirmed only by, the occurrence or non-occurrence of one or more uncertain future events not wholly within the control of the Group. Contingent assets are not recognised in the consolidated balance sheet or in the consolidated income statement, but rather are disclosed in the notes, provided that it is probable that these assets will give rise to an increase in resources embodying economic benefits.</span></div></ix:continuation><div style="margin-bottom:9pt;padding-left:7.08pt"><span><br/></span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">167</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-150"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1193-29" continuedAt="f-1193-30"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-1317-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander&#8217;s consolidated financial statements include all the material provisions with respect to which it is considered that it is more likely than not the obligation will have to be settled. In accordance with accounting standards, contingent liabilities must not be recognised in the consolidated financial statements, but must rather be disclosed in the Notes.</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:130%">Provisions (which are quantified on the basis of the best information available on the consequences of the event giving rise to them and are reviewed and adjusted at the end of each year) are used to cater for the specific obligations for which they were originally recognised. Provisions are fully or partially reversed when such obligations cease to exist or are reduced.</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:130%">Provisions are classified according to the obligations covered as follows (see note 25):</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Provision for pensions and similar obligations: includes the amount of all the provisions made to cover post-employment benefits, including obligations to pre-retirees and similar obligations.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Provisions for contingent liabilities and commitments: include the amount of the provisions made to cover contingent liabilities&#160;-defined as those transactions in which the Group guarantees the obligations of a third party, arising as a result of financial guarantees granted or contracts of another kind- and contingent commitments&#160;-defined as irrevocable commitments that may give rise to the recognition of financial assets.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Provisions for taxes and other legal contingencies and Other provisions: include the amount of the provisions recognised to cover tax and legal contingencies and litigation and the other provisions recognised by the consolidated entities. Other provisions includes, inter alia, any provisions for restructuring costs and environmental measures.</span></div></ix:continuation><div style="margin-bottom:6pt;margin-top:9pt"><span id="i434b4093bbce469e974155c54d75482d"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">p) <ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForTreasurySharesExplanatory" id="f-1318" continuedAt="f-1318-1" escape="true">Own equity instruments</ix:nonNumeric></span></div><ix:continuation id="f-1318-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Own equity instruments are those meeting both of the following conditions:</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">The instruments do not include any contractual obligation for the issuer (i)&#160;to deliver cash or another financial asset to a third party; or (ii)&#160;to exchange financial assets or financial liabilities with a third party under conditions that are potentially unfavourable to the issuer.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">The instruments will or may be settled in the issuer&#8217;s own equity instruments and are: (i)&#160;a non-derivative that includes no contractual obligation for the issuer to deliver a variable number of its own equity instruments; or (ii)&#160;a derivative that will be settled by the issuer through the exchange of a fixed amount of cash or another financial asset for a fixed number of its own equity instruments.</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:130%">Transactions involving own equity instruments, including their issuance and cancellation, are charged directly to equity.</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:130%">Changes in the value of instruments classified as own equity instruments are not recognised in the consolidated financial statements. Consideration received or paid in exchange for such instruments, including the coupons on preference shares contingently convertible into ordinary shares and the coupons associated with CCPP, is directly added to or deducted from equity.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i8ffaff6e4a7542b3af75418684f47127"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">q) <ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory" id="f-1319" continuedAt="f-1319-1" escape="true">Equity-instrument-based employee remuneration</ix:nonNumeric></span></div><ix:continuation id="f-1319-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Own equity instruments delivered to employees in consideration for their services, if the instruments are delivered once the specific period of service has ended, are recognised as an expense for services (with the corresponding increase in equity) as the services are rendered by employees during the service period. At the grant date the services received (and the related increase in equity) are measured&#160;at the fair value of the equity instruments granted. If the equity instruments granted are vested immediately, Grupo Santander recognises in full, at the grant date, the expense for the services received.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">When the requirements stipulated in the remuneration agreement include external market conditions (such as equity instruments reaching a certain quoted price), the amount ultimately to be recognised in equity will depend on the other conditions being met by the employees (normally length of service requirements), irrespective of whether the market conditions are satisfied.</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:130%">If the conditions of the agreement are met but the external market conditions are not satisfied, the amounts previously recognised in equity are not reversed, even if the employees do not exercise their right to receive the equity instruments.</span></div></ix:continuation><div style="margin-bottom:3pt;margin-top:9pt"><span id="idd0b75cebca94e74b4bca79068e86c90"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">r) <ix:nonNumeric contextRef="c-1" name="san:DescriptionOfAccountingPolicyForIncomeAndExpensePolicyPolicyTextBlock" id="f-1320" continuedAt="f-1320-1" escape="true">Recognition of income and expenses</ix:nonNumeric></span></div><ix:continuation id="f-1320-1" continuedAt="f-1320-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The most significant criteria used by Grupo Santander to recognise its income and expenses are summarised as follows:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ibf4716bbecf44f7f8a4ff4b91fb3b4b2"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Interest income, interest expenses and similar items</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:130%">Interest income, interest expenses and similar items are generally recognised on an accrual basis using the effective interest method. Dividends received from other companies are recognised as income when the consolidated entities&#8217; right to receive them arises.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i97e5ba2789b24eaca2c11b4a64ef4dcd"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Commissions, fees and similar items</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:130%">Fee and commission income and expenses are recognised in the consolidated income statement using criteria that vary according to their nature. The main criteria are as follows:</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Fee and commission income and expenses relating to financial assets and financial liabilities measured at fair value through profit or loss are recognised when paid.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Those arising from transactions or services that are performed over a period of time are recognised over the life of these transactions or services.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Those relating to services provided in a single act are recognised when the single act is carried out.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i1ad1ca147be64d4daa8dcf680d939082"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Non-finance income and expenses</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:130%">They are recognised for accounting purposes when the good is delivered or the non-financial service is rendered. To determine the amount and timing of recognition, a five-step model is followed: identification of the contract with the customer, identification of the separate obligations of the contract, determination of the transaction price, distribution of the transaction price among the identified obligations and finally recording of income as the obligations are satisfied.</span></div></ix:continuation></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">168</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-151"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1193-30" continuedAt="f-1193-31"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-1320-2"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i416e1293a8bc4a7c93665c1788d244fd"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iv. Deferred collections and payments</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:130%">These are recognised for accounting purposes at the amount resulting from discounting the expected cash flows at market rates.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ie57539c46d224527a8527ef6146ed7f9"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">v. Loan arrangement fees</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:130%">Loan arrangement fees, mainly loan origination, application and information fees, are accrued and recognised in income over the term of the loan.</span></div></ix:continuation><div style="margin-bottom:6pt;margin-top:9pt;text-align:justify"><span id="i670fe92a280f46c9826dfe2d3117c222"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">s) <ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory" id="f-1321" continuedAt="f-1321-1" escape="true">Financial guarantees</ix:nonNumeric></span></div><ix:continuation id="f-1321-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Financial guarantees are considered contracts that require the issuer to make specific payments to reimburse the creditor for the loss it incurs when a specific debtor defaults on its due date payment obligation in accordance with the original or modified conditions of debt instrument, regardless of its legal form, which may be, among others, a deposit, financial guarantee, insurance contract or credit derivative.</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:130%">Grupo Santander initially recognises the financial guarantees provided on the liability side of the consolidated balance sheet at fair value, which is generally the present value of the fees, commissions and interest receivable from these contracts over the term thereof, and simultaneously the Group recognises the amount of the fees, commissions and similar interest received at the inception of the transactions and a credit on the asset side of the consolidated balance sheet for the present value of the fees, commissions and interest outstanding.</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:130%">Financial guarantees, regardless of the guarantor, instrumentation or other circumstances, are reviewed periodically so as to determine the credit risk to which they are exposed and, if appropriate, to consider whether a provision is required. The credit risk is determined by application of criteria similar to those established for quantifying impairment losses on debt instruments carried at amortised cost (described in note 2.g above).</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:130%">The provisions made for these transactions are recognised under 'Provisions - Provisions for commitments and guarantees given in the consolidated balance sheet' (see note 25). These provisions are recognised and reversed with a charge or credit, respectively, to 'Provisions or reversal of provisions', net, in the consolidated income statement.</span></div></ix:continuation><div style="margin-bottom:6pt;margin-top:9pt"><span id="i28693aa5db9740d1942e251b1d8d5cf5"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">t) <ix:nonNumeric contextRef="c-1" name="san:AssetsUnderManagementPolicyPolicyTextBlock" id="f-1322" continuedAt="f-1322-1" escape="true">Assets under management and investment and pension funds managed by the Group</ix:nonNumeric></span></div><ix:continuation id="f-1322-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Assets owned by third parties and managed by the consolidated entities are not presented on the face of the consolidated balance sheet. The investment funds and pension funds managed by the consolidated companies are also not presented in the Group's consolidated balance sheet, as they are owned by third parties.</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:130%">The commissions generated by these activities are included in the balance of the 'Commission income' chapter of the consolidated profit and loss account.</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:130%">Note&#160;2.b.iv describes the internal criteria and procedures used to determine whether control exists over the structured entities, which include, inter alia, investment funds and pension funds.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="icec63a92f30a49b885aa177a80e80c2a"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">u) <ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory" id="f-1323" continuedAt="f-1323-1" escape="true">Post-employment benefits</ix:nonNumeric></span></div><ix:continuation id="f-1323-1" continuedAt="f-1323-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Under the collective agreements currently in force and other arrangements, the Spanish banks included in the Group and certain other Spanish and foreign consolidated entities have undertaken to supplement the public social security system benefits accruing to certain employees, and to their beneficiary right holders, for retirement, permanent disability or death, and the post-employment welfare benefits.</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:130%">Grupo Santander's post-employment obligations to its employees are deemed to be defined contribution plans when the Group makes pre-determined contributions (recognised under Personnel expenses in the consolidated income statement) to a separate entity and will have no legal or effective obligation to make further contributions if the separate entity cannot pay the employee benefits relating to the service rendered in the current and prior periods. Post-employment obligations that do not meet the aforementioned conditions are classified as defined benefit plans (see note 25).</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4cb3919e9038469faf53a414b73798d8"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Defined contribution plans</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:130%">The contributions made in this connection in each year are recognised under 'Personnel expenses' in the consolidated income statement. </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:130%">The amounts not yet contributed at each year-end are recognised, at their present value, under 'Provisions - Provision for pensions' and similar obligations on the liability side of the consolidated balance sheet.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i6e144e0ac7a348d5988dd17df2992bbb"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Defined benefit plans</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:130%">Grupo Santander recognises under 'Provisions&#160;- Provision for pensions and similar obligations on the liability side of the consolidated balance sheet' (or under 'Other assets' on the asset side, as appropriate) the present value of its defined benefit post-employment obligations, net of the fair value of the plan assets.</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:130%">Plan assets are defined as those that will be directly used to settle obligations and that meet the following conditions:</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">They are not owned by the consolidated entities, but by a legally separate third party that is not a party related to the Group.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">They are only available to pay or fund post-employment benefits and they cannot be returned to the consolidated entities unless the assets remaining in the plan are sufficient to meet all the benefit obligations of the plan and of the entity to current and former employees, or they are returned to reimburse employee benefits already paid by Grupo Santander.</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:130%">If Grupo Santander can look to an insurer to pay part or all of the expenditure required to settle a defined benefit obligation, and it is practically certain that said insurer will reimburse some or all of the expenditure required to settle that obligation, but the insurance policy does not qualify as a plan asset, the Group recognises its right to reimbursement -which, in all other respects, is treated as a plan asset- under 'Insurance contracts linked to pensions' on the asset side of the consolidated balance sheet.</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:130%">Grupo Santander will recognise the following items in the income statement:</span></div></ix:continuation></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">169</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-152"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1193-31" continuedAt="f-1193-32"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-1323-2" continuedAt="f-1323-3"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Current service cost, (the increase in the present value of the obligations resulting from employee service in the current period), is recognised under 'Staff costs'.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The past service cost, which arises from changes to existing post-employment benefits or from the introduction of new benefits and includes the cost of reductions, is recognised under 'Provisions or reversal of provisions'.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Any gain or loss arising from a liquidation of the plan is included in the 'Provisions or reversion of provisions'.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net interest on the net defined benefit liability (asset), i.e. the change during the period in the net defined benefit liability (asset) that arises from the passage of time, is recognised under 'Interest expense' and similar charges ('Interest and similar income' if it constitutes income) in the consolidated income statement.</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:130%">The remeasurement of the net defined benefit liability (asset) is recognised in 'Other comprehensive income' under Items not reclassified to profit or loss and includes:</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Actuarial gains and losses generated in the&#160;year, arising from the differences between the previous actuarial assumptions and what has actually occurred and from the effects of changes in actuarial assumptions.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">The return on plan assets, excluding amounts included in net interest on the net defined benefit liability (asset).</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Any change in the effect of the asset ceiling, excluding amounts included in net interest on the net defined benefit liability (asset).</span></div></ix:continuation><div style="margin-bottom:6pt;margin-top:9pt"><span id="i4d41fa2a97d54255b1e515e2363a401e"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">v) <ix:continuation id="f-1323-3" continuedAt="f-1323-4">Other long-term employee benefits</ix:continuation></span></div><ix:continuation id="f-1323-4" continuedAt="f-1323-5"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Other long-term employee benefits, defined as obligations to pre-retirees&#160;-taken to be those who have ceased to render services at the entity but who, without being legally retired, continue to have economic rights vis-&#224;-vis the entity until they acquire the legal status of retiree-, long-service bonuses, obligations for death of spouse or disability before retirement that depend on the employee&#8217;s length of service at the entity and other similar items, are treated for accounting purposes, where applicable, as established above for defined benefit post-employment plans, except that actuarial gains and losses are recognised under 'Provisions or reversal of provisions', net, in the consolidated income statement (see note&#160;25).</span></div></ix:continuation><div style="margin-bottom:6pt"><span id="if2ba44ec1bd64ab28e07704e28387c28"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">w) <ix:continuation id="f-1323-5" continuedAt="f-1323-6">Termination benefits</ix:continuation></span></div><ix:continuation id="f-1323-6"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Termination benefits are recognised when there is a detailed formal plan identifying the basic changes to be made, provided that implementation of the plan has begun, its main features have been publicly announced or objective facts concerning its implementation have been disclosed.</span></div></ix:continuation><div style="margin-bottom:6pt"><span id="i66b05f317b6342b495620b80f1e23f19"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">x) <ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory" id="f-1324" continuedAt="f-1324-1" escape="true">Income tax</ix:nonNumeric></span></div><ix:continuation id="f-1324-1" continuedAt="f-1324-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The expense for Spanish income tax and other similar taxes applicable to the foreign consolidated entities is recognised in the consolidated income statement, except when they arise from a transaction whose results are recognised directly in equity, in which case the related tax effect is recognised in equity.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:continuation id="f-1324-2" continuedAt="f-1324-3"><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The current income tax expense is calculated as the sum of the current tax resulting from application of the appropriate tax rate to the taxable profit for the year (net of any deductions allowable for tax purposes), and of the changes in deferred tax assets and liabilities recognised in the consolidated income statement.</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:130%">'Deferred tax assets' and liabilities include temporary differences, which are identified as the amounts expected to be payable or recoverable on differences between the carrying amounts of assets and liabilities and their related tax bases, and tax loss and tax credit carryforwards. These amounts are measured at the tax rates that are expected to apply in the period when the asset is realised or the liability is settled.</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:130%">'Tax assets' include the amount of all tax assets, which are broken down into current&#160;-amounts of tax to be recovered within the next twelve&#160;months- and deferred&#160;-amounts of tax to be recovered in future&#160;years, including those arising from tax loss or tax credit carryforwards.</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:130%">Tax liabilities' includes the amount of all tax liabilities (except provisions for taxes), which are broken down into current&#160;-the amount payable in respect of the income tax on the taxable profit for the&#160;year and other taxes in the next twelve&#160;months- and deferred&#160;-the amount of income tax payable in future&#160;years.</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:130%">Deferred tax liabilities are recognised in respect of taxable temporary differences associated with investments in subsidiaries, associates or joint ventures, except when the Group is able to control the timing of the reversal of the temporary difference and, in addition, it is probable that the temporary difference will not reverse in the foreseeable future. In this regard, no deferred tax liabilities of EUR <ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-5" name="san:UnrecognisedDeferredTaxLiabilitiesTaxationThatWouldAriseFromUndistributedEarnings" scale="6" id="f-1325">321.9</ix:nonFraction> million were recognised in relation to the taxation that would arise from the undistributed earnings of certain Group holding companies, in accordance with the legislation applicable in those jurisdictions.</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:130%">Deferred tax assets are only recognised for temporary differences to the extent that it is considered probable that the consolidated entities will have sufficient future taxable profits against which the deferred tax assets can be utilised, and the deferred tax assets do not arise from, in its initial recognition of (i)a business combination, (ii) an operation that does not affect either the tax result or the accounting result or (iii) on the date of the transaction, does not generate deductible and taxable temporary differences for the same amount (in which case assets and deferred tax liabilities). Other deferred tax assets (tax loss and tax credit carryforwards) are only recognised if it is considered probable that the consolidated entities will have sufficient future taxable profits against which they can be utilised.</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:130%">Differences generated by the different accounting and tax treatment of any of the income and expenses recorded directly in equity to be paid or recovered in the future are accounted for as temporary differences.</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:130%">The deferred tax assets and liabilities are reassessed at the reporting date in order to ascertain whether any adjustments need to be made on the basis of the findings of the analyses performed.</span></div></div></ix:continuation></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">170</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-153"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><ix:continuation id="f-1193-32" continuedAt="f-1193-33"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-1324-3"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Regarding taxes on profits arising from the application of tax laws for the implementation of the Pillar Two model rules, including those related to national minimum complementary taxes, the Group applies the mandatory and temporary exception to the recognition of deferred tax assets and liabilities derived from said tax laws (see note 27.f).</span></div></ix:continuation><div style="margin-bottom:6pt;margin-top:9pt"><span id="ie87b529c07a748c18f34ada2b9446e34"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">y) <ix:nonNumeric contextRef="c-1" name="san:DescriptionOfAccountingPolicyForResidualMaturityPeriodsPolicyTextBlock" id="f-1326" continuedAt="f-1326-1" escape="true">Residual maturity periods</ix:nonNumeric></span></div><ix:continuation id="f-1326-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In note 51 it is provided an analysis of the maturities of the balances of certain items in the consolidated balance sheet.</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:130%">Santander Group has recorded as 'time liabilities' those recognised financial liabilities in which the counterparty may require payments.</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:130%">Likewise, when Grupo Santander has committed to having amounts available at different maturity periods, these amounts have been recorded in the first year in which they may be required.</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:130%">Additionally, for the financial guarantee contracts issued, the Group has recorded the maximum amount of the financial guarantee issued in the first year in which the guarantee can be executed.</span></div></ix:continuation><div style="margin-bottom:9pt;margin-top:9pt"><span id="i89e400f35bf94e849c11010a41e89519"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">z) <ix:nonNumeric contextRef="c-1" name="san:DescriptionOfAccountingPolicyForRecognisedIncomeAndExpensePolicyPolicyTextBlock" id="f-1327" continuedAt="f-1327-1" escape="true">Consolidated statement of recognised income and expense</ix:nonNumeric></span></div><ix:continuation id="f-1327-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This statement presents the income and expenses generated by the Group as a result of its business activity in the year, and a distinction is made between the income and expenses recognised in the consolidated income statement for the year and the other income and expenses recognised directly in consolidated equity.</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:130%">Accordingly, this statement presents:</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.&#160;&#160;&#160;&#160;Consolidated profit for the year.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.&#160;&#160;&#160;&#160;The net amount of the income and expenses recognised in 'Other comprehensive income' under items that will not be reclassified to profit or loss.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c.&#160;&#160;&#160;&#160;The net amount of the income and expenses recognised in Other comprehensive income under items that may be reclassified subsequently to profit or loss.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">d.&#160;&#160;&#160;&#160;The income tax incurred in respect of the items indicated in b and c above, except for the valuation adjustments arising from investments in associates or joint ventures accounted for using the equity method, which are presented net.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">e.&#160;&#160;&#160;&#160;Total consolidated recognised income and expense, calculated as the sum of a) to d) above, presenting separately the amount attributable to the parent company and the amount relating to non-controlling interests.</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:130%">The statement presents the items separately by nature, grouping together items that, in accordance with the applicable accounting standards, will not be reclassified subsequently to profit and loss since the requirements established by the corresponding accounting standards are met.</span></div></ix:continuation></div></ix:continuation><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-1193-33"><div style="margin-bottom:6pt;margin-top:9pt"><span id="iedcae727762d428bbd42a6ef9622c442"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">aa) <ix:nonNumeric contextRef="c-1" name="san:DescriptionOfAccountingPolicyForChangesInEquityPolicyPolicyTextBlock" id="f-1328" continuedAt="f-1328-1" escape="true">Statement of changes in total equity</ix:nonNumeric></span></div><ix:continuation id="f-1328-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This statement presents all the changes in equity, including those arising from changes in accounting policies and from the correction of errors. Accordingly, this statement presents a reconciliation of the carrying amount at the beginning and end of the&#160;year of all the consolidated equity items, and the changes are grouped together on the basis of their nature into the following items:</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.&#160;&#160;&#160;&#160;Adjustments due to changes in accounting policies and to errors: include the changes in consolidated equity arising as a result of the retrospective restatement of the balances in the consolidated financial statements, distinguishing between those resulting from changes in accounting policies and those relating to the correction of errors.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.&#160;&#160;&#160;&#160;Income and expense recognised in the year: includes, in aggregate form, the total of the aforementioned items recognised in the consolidated statement of recognised 'Income and expense'.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c.&#160;&#160;&#160;&#160;Other changes in equity: includes the remaining items recognised in equity, including, inter alia, increases and decreases in capital, distribution of profit, transactions involving own equity instruments, equity-instrument-based payments, transfers between equity items and any other increases or decreases in consolidated equity.</span></div></ix:continuation><div style="margin-bottom:6pt;margin-top:9pt"><span id="i735fa54e6566433b90c38e2a2c1306f6"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">ab) <ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForCashFlowsExplanatory" id="f-1329" continuedAt="f-1329-1" escape="true">Consolidated statement of cash flows</ix:nonNumeric></span></div><ix:continuation id="f-1329-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following terms are used in the consolidated statements of cash flows with the meanings specified:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Cash flows: inflows and outflows of cash and cash equivalents, which are short-term, highly liquid investments that are subject to an insignificant risk of changes in value, irrespective of the portfolio in which they are classified.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander classifies as cash and cash equivalents the balances recognised under 'Cash, cash balances at central banks' and 'Other deposits on demand' in the consolidated balance sheet.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Operating activities: the principal revenue-producing activities of credit institutions and other activities that are not investing or financing activities.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Investing activities: the acquisition or disposal of long-term assets and other investments not included in cash and cash equivalents.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Financing activities: activities that result in changes in the size and composition of the equity and liabilities that are not operating activities.</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:130%">During 2025 Grupo Santander received interest amounting to EUR <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestReceivedClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1330">109,840</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:InterestReceivedClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1331">117,046</ix:nonFraction> and EUR <ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:InterestReceivedClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1332">101,029</ix:nonFraction> in 2024 and 2023, respectively) and paid interest amounting to EUR <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestPaidClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1333">57,737</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:InterestPaidClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1334">61,091</ix:nonFraction> and EUR <ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:InterestPaidClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-1335">50,954</ix:nonFraction> in 2024 and 2023, respectively).</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:130%">Also, dividends received and paid by the Group are detailed in notes 4, 28 and 40, including dividends paid to minority interests (non-controlling interests)</span></div></ix:continuation></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_883"></div><div style="margin-bottom:6pt;margin-top:12pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">171</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-154"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:12pt"><span id="i45f582886e3b47a2a174a547458e4d2f"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">3. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfBusinessCombinationsExplanatory" id="f-1336" continuedAt="f-1336-1" escape="true">Grupo Santander</ix:nonNumeric></span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_889"></div><ix:continuation id="f-1336-1" continuedAt="f-1336-2"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i38ea923e60524e1eaa266d9137f0dcf7"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Banco Santander, S.A., and international Group structure</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:130%">The growth of Grupo Santander in the last decades has led Banco Santander to also act, in practice, as a holding entity of the shares of the various companies in its Group, and its results are becoming progressively less representative of the performance and earnings of the Group. Therefore, each&#160;year the bank determines the amount of the dividends to be distributed to its shareholders on the basis of the consolidated net profit, while maintaining the Group&#8217;s objectives of capitalisation and taking into account that the transactions of the Bank and of the rest of the Group are managed on a consolidated basis (notwithstanding the allocation to each company of the related net worth effect).</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:130%">At the international level, the various banks and other subsidiaries, joint ventures and associates of the Group are integrated in a corporate structure comprising various holding companies which are the ultimate shareholders of the banks and subsidiaries abroad.</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:130%">The purpose of this structure, all of which is controlled Banco Santander, is to optimise the international organisation from the strategic, economic, financial and tax standpoints, since it makes it possible to define the most appropriate units to be entrusted with acquiring, selling or holding stakes in other international entities, the most appropriate financing method for these transactions and the most appropriate means of remitting the profits obtained by the group&#8217;s various operating units to Spain.</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:130%">The Appendices provide relevant data on the consolidated group companies and on the companies accounted for using the equity method.</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_892"></div><ix:continuation id="f-1336-2" continuedAt="f-1336-3"><div style="margin-bottom:6pt"><span id="i8c7262a38ba34b96b3a52ce446199e9e"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Acquisitions and disposals </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:130%">Following is a summary of the main acquisitions and disposals of ownership interests in the share capital of other entities and other significant corporate transactions performed in the last three years or pending to be completed:</span></div><div style="margin-bottom:3pt"><span id="ieb3773a868db4c56a58b4385323c6743"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:130%">i. Agreement for the sale of <ix:nonFraction unitRef="number" contextRef="c-312" decimals="2" name="san:ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale" scale="-2" id="f-1337">49</ix:nonFraction>% of Santander Bank Polska S.A. and accelerated placement of ordinary shares</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:130%">On 5 May 2025, Banco Santander announced an agreement to sell approximately <ix:nonFraction unitRef="number" contextRef="c-313" decimals="2" name="san:ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale" scale="-2" id="f-1338">49</ix:nonFraction>% of the share capital of Santander Bank Polska S.A. (Santander Polska) to Erste Group Bank AG at a price of <ix:nonFraction unitRef="plnPerShare" contextRef="c-313" decimals="INF" name="san:SaleOfInterestHeldPricePerShare" scale="0" id="f-1339">584</ix:nonFraction> zlotys per share, as well as the <ix:nonFraction unitRef="number" contextRef="c-314" decimals="2" name="san:ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale" scale="-2" id="f-1340">50</ix:nonFraction>% 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 approximately EUR <ix:nonFraction unitRef="eur" contextRef="c-315" decimals="-6" sign="-" name="ifrs-full:ConsiderationPaidReceived" format="ixt:num-dot-decimal" scale="6" id="f-1341">7,000</ix:nonFraction>&#160;million. Following the transaction and the accelerated placement of ordinary shares announced on 2 December 2025, of <ix:nonFraction unitRef="shares" contextRef="c-316" decimals="0" name="san:SaleOfOrdinarySharesInSubsidiaryShares" format="ixt:num-dot-decimal" scale="0" id="f-1342">3,576,626</ix:nonFraction> ordinary shares of Santander Polska, representing approximately <ix:nonFraction unitRef="number" contextRef="c-317" decimals="3" name="san:SharesSoldPercentageOfShareCapital" scale="-2" id="f-1343">3.5</ix:nonFraction>% of its share capital, for a total import of EUR <ix:nonFraction unitRef="eur" contextRef="c-316" decimals="-6" sign="-" name="ifrs-full:ConsiderationPaidReceived" scale="6" id="f-1344">407</ix:nonFraction>&#160;million, Santander will hold <ix:nonFraction unitRef="number" contextRef="c-263" decimals="3" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-1345">9.7</ix:nonFraction>% of Santander Polska's share capital (<ix:nonFraction unitRef="number" contextRef="c-318" decimals="3" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-1346">58.7</ix:nonFraction>% as of 31 December 2025). The transaction was completed on 9 January 2026 (see Note 1.g. Introduction, basis of presentation of the consolidated annual accounts, and other information, subsequent events).</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:continuation id="f-1336-3" continuedAt="f-1336-4"><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As a result of the agreement, the Group has reclassified the assets of Santander Polska and TFI in the consolidated balance sheet as of 31 December 2025, to the heading 'Non-current assets held for sale', and their liabilities to the heading 'Liabilities associated with non-current assets held for sale'. Furthermore, the effect of these businesses on the profit and loss account for the 2025 financial year has been classified under the heading 'Profit/(loss) after tax from discontinued operations' (see Note 12), with the same classification being applied for comparative purposes in the profit and loss accounts for the 2024 and 2023 financial years.</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:130%">As part of this transaction, on 23 December 2025, Santander Consumer, S.A. acquired <ix:nonFraction unitRef="number" contextRef="c-319" decimals="2" name="ifrs-full:PercentageOfVotingEquityInterestsAcquired" scale="-2" id="f-1347">60</ix:nonFraction>% of Santander Consumer Bank Polska, which was owned by Santander Polska, for PLN <ix:nonFraction unitRef="pln" contextRef="c-320" decimals="-6" name="ifrs-full:ConsiderationPaidReceived" format="ixt:num-dot-decimal" scale="6" id="f-1348">3,105</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-320" decimals="-6" name="ifrs-full:ConsiderationPaidReceived" scale="6" id="f-1349">726</ix:nonFraction> million). This transaction had no significant impact on the Group's consolidated financial statements.</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="ieafc23cb2d254f91a65b1c76794b96c1"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Agreement for the acquisition of TSB Banking Group plc</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:130%">On 1 July 2025, Banco Santander announced an agreement with Banco de Sabadell, S.A. for the acquisition of TSB Banking Group plc for approximately GBP <ix:nonFraction unitRef="gbp" contextRef="c-321" decimals="-6" name="ifrs-full:ConsiderationPaidReceived" format="ixt:num-dot-decimal" scale="6" id="f-1350">2,650</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-321" decimals="-6" name="ifrs-full:ConsiderationPaidReceived" format="ixt:num-dot-decimal" scale="6" id="f-1351">3,100</ix:nonFraction>&#160;million) plus the results generated by this business between 31 March 2025, and the closing of the transaction.</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:130%">The completion of the transaction is subject to the usual conditions for this type of deal, including obtaining the relevant regulatory authorizations.</span></div><div style="margin-bottom:3pt"><span id="i9cbb6ab3d492416bae1a503ad6fd67e9"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:130%">iii. Agreement for the sale of the stake in Caceis</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:130%">On 19 December 2024, Grupo Santander signed an agreement with Cr&#233;dit Agricole S.A. for the sale of its <ix:nonFraction unitRef="number" contextRef="c-322" decimals="3" name="san:ProportionOfOwnershipInterestInAssociateSold" scale="-2" id="f-1352">30.5</ix:nonFraction>% stake in the share capital of CACEIS. As a result of the above, as of 31 December 2024, this participation was reclassified, at its carrying value, from the line item 'investments' to the line item 'Non-current assets held for sale' in the balance sheet (see Note 6). The transaction was formalized in 2025 after obtaining the relevant regulatory approvals, generating a profit before taxes of EUR <ix:nonFraction unitRef="eur" contextRef="c-323" decimals="-6" name="san:GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" scale="6" id="f-1353">231</ix:nonFraction>&#160;million registered in the line item 'Gains or losses on non-current assets held for sale not classified as discontinued operations' of the income statement. Following the completion of the planned transaction, Cr&#233;dit Agricole S.A. holds the <ix:nonFraction unitRef="number" contextRef="c-324" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-1354">100</ix:nonFraction>% of CACEIS&#8217;s share capital.</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:130%">The joint depositary, custody and related asset servicing services of Santander and CACEIS in Latin America is not included in the scope of the transaction and continues to be jointly controlled by Santander and CACEIS. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i589c4e55a96f45bb9f8588665bb9d05b"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iv. Accelerated placement of ordinary shares of Santander Bank Polska </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:130%">On 10 September 2024, Banco Santander, S.A. announced an accelerated placement of <ix:nonFraction unitRef="shares" contextRef="c-325" decimals="0" name="san:SaleOfOrdinarySharesInSubsidiaryShares" format="ixt:num-dot-decimal" scale="0" id="f-1355">5,320,000</ix:nonFraction> ordinary shares of its subsidiary Santander Bank Polska S.A., representing approximately <ix:nonFraction unitRef="number" contextRef="c-326" decimals="3" name="san:SharesSoldPercentageOfShareCapital" scale="-2" id="f-1356">5.2</ix:nonFraction>% of its share capital, at a price of PLN <ix:nonFraction unitRef="plnPerShare" contextRef="c-327" decimals="INF" name="ifrs-full:ParValuePerShare" scale="0" id="f-1357">463</ix:nonFraction> (EUR <ix:nonFraction unitRef="eurPerShare" contextRef="c-327" decimals="INF" name="ifrs-full:ParValuePerShare" scale="0" id="f-1358">108</ix:nonFraction>) per ordinary share. The transaction was settled on September 13, with the total transaction amounting to PLN <ix:nonFraction unitRef="pln" contextRef="c-328" decimals="-6" name="ifrs-full:ProceedsFromChangesInOwnershipInterestsInSubsidiaries" format="ixt:num-dot-decimal" scale="6" id="f-1359">2,463</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-328" decimals="-6" name="ifrs-full:ProceedsFromChangesInOwnershipInterestsInSubsidiaries" scale="6" id="f-1360">575</ix:nonFraction>&#160;million). Banco Santander will continue to hold a majority stake in Santander Bank Polska S.A. of <ix:nonFraction unitRef="number" contextRef="c-328" decimals="3" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-1361">62.2</ix:nonFraction>% of the share capital (prior to this transaction, the percentage of participation was <ix:nonFraction unitRef="number" contextRef="c-329" decimals="3" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-1362">67.4</ix:nonFraction>%). </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:130%">This sale has resulted in an increase in reserves and valuation adjustments of EUR <ix:nonFraction unitRef="eur" contextRef="c-330" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangeInEquityOfSubsidiaries" scale="6" id="f-1363">158</ix:nonFraction>&#160;million and EUR <ix:nonFraction unitRef="eur" contextRef="c-331" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangeInEquityOfSubsidiaries" scale="6" id="f-1364">57</ix:nonFraction>&#160;million, respectively, and an increase in minority equity of EUR <ix:nonFraction unitRef="eur" contextRef="c-332" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangeInEquityOfSubsidiaries" scale="6" id="f-1365">360</ix:nonFraction>&#160;million.</span></div></div></ix:continuation></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">172</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-155"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-1336-4" continuedAt="f-1336-5"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i616d8e5f423f48d684c15fe95fd500b5"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">v. Tender offers for shares of Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico</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:130%">On 21 October 2022, Banco Santander, S.A. ('Banco Santander') announced that it intends to make concurrent cash tender offers to acquire all of the shares of Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico ('Santander Mexico') in Mexico (Shares) and United States (American Depositary Shares ('ADSs')) which were not owned by Grupo Santander, which amount to approximately  <ix:nonFraction unitRef="number" contextRef="c-333" decimals="4" name="ifrs-full:PercentageOfVotingEquityInterestsAcquired" scale="-2" id="f-1366">3.76</ix:nonFraction>% of Santander Mexico&#8217;s share capital.</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:130%">The offers were launched on 7 February 2023 and were originally scheduled to close on 8 March 2023. On 1 March 2023, Banco Santander announced its decision to extend the expiration date of the offers so that they could be concluded on 10 April 2023. Finally, after the offers' closing, <ix:nonFraction unitRef="number" contextRef="c-334" decimals="3" name="ifrs-full:PercentageOfVotingEquityInterestsAcquired" scale="-2" id="f-1367">3.6</ix:nonFraction>% of the capital accepted the offer, which raised the Group's stake in Santander M&#233;xico from <ix:nonFraction unitRef="number" contextRef="c-335" decimals="3" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-1368">96.2</ix:nonFraction>% to <ix:nonFraction unitRef="number" contextRef="c-336" decimals="3" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-1369">99.8</ix:nonFraction>%.will be settled on 13 March 2023. </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:130%">Shareholders who participated in the offerings received <ix:nonFraction unitRef="mxnPerShare" contextRef="c-334" decimals="2" name="san:ConsiderationPaidReceivedInCashPerShare" scale="0" id="f-1370">24.52</ix:nonFraction> Mexican pesos (approximately EUR <ix:nonFraction unitRef="eurPerShare" contextRef="c-334" decimals="2" name="san:ConsiderationPaidReceivedInCashPerShare" scale="0" id="f-1371">1.20</ix:nonFraction>) per Share and USD <ix:nonFraction unitRef="usdPerShare" contextRef="c-334" decimals="4" name="san:ConsiderationInCashPerAmericanDepositaryShare" scale="0" id="f-1372">6.6876</ix:nonFraction> in cash for each ADS (i.e., the equivalent in United States dollars of <ix:nonFraction unitRef="mxnPerShare" contextRef="c-334" decimals="1" name="san:ExpectedConsiderationInCashPerAmericanDepositaryShare" scale="0" id="f-1373">122.6</ix:nonFraction> Mexican pesos in cash for each ADS at the US dollar/Mexican peso exchange rate on the expiration date of 10 April 2023),which corresponded to the book value of the Santander M&#233;xico share according to the quarterly report of Santander M&#233;xico corresponding to the fourth quarter of the year 2022 in accordance with applicable legislation, with a total disbursement by Banco Santander of approximately EUR <ix:nonFraction unitRef="eur" contextRef="c-337" decimals="-6" name="ifrs-full:ConsiderationPaidReceived" scale="6" id="f-1374">300</ix:nonFraction>&#160;million.</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:130%">The operation led to an increase of EUR <ix:nonFraction unitRef="eur" contextRef="c-336" decimals="-6" name="san:IncreaseThroughBusinessCombinationsReserves" scale="6" id="f-1375">13</ix:nonFraction>&#160;million in Reserves and a decrease of EUR <ix:nonFraction unitRef="eur" contextRef="c-336" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughBusinessCombinationsMinorityInterest" scale="6" id="f-1376">313</ix:nonFraction>&#160;million in minority interests. </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:130%">Once the offers were concluded and settled, Banco Santander proceeded to: (i) withdraw the ADSs from the listing on the New York Stock Exchange ('NYSE') and the Shares from the registry before the Securities and Exchange Commission ('SEC') in the United States and; (ii) cancel the registration of the Shares in the National Securities Registry of the National Banking and Securities Commission ('CNBV') and withdraw the listing of the Shares in the Mexican Stock Exchange, S.A.B. de C.V. ('BMV'). Said cancellation was approved by the extraordinary general shareholders' meeting of Santander M&#233;xico held on 30 November 2022, with the favourable vote of the holders of the shares that represent more than <ix:nonFraction unitRef="number" contextRef="c-338" decimals="2" name="san:BusinessCombinationMinimumAcceptancePercentageByShareholdersOfAcquiree" scale="-2" id="f-1377">95</ix:nonFraction>% of the shares of Santander Mexico, as required by the Mexican Securities Market Law.</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:130%">Pursuant to Mexican law, on 12 May 2023, Banco Santander and Santander M&#233;xico established a trust (the 'Repurchase Trust'), to which the holders of the Shares that remain outstanding after the conclusion of the offers, to sell said Shares to the repurchase trust, at the same cash price that would have been paid to them in the Mexican offer with respect to the same. At the end of the year, said trust was liquidated and the Group's effective participation amounts to <ix:nonFraction unitRef="number" contextRef="c-339" decimals="4" name="san:RepurchaseTrustGroupEffectiveParticipationPercentage" scale="-2" id="f-1378">99.98</ix:nonFraction>%.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:continuation id="f-1336-5" continuedAt="f-1336-6"><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_895"></div><div style="margin-bottom:3pt"><span id="id3a94e59833e419bb8756d9e4d83a296"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%">c) Offshore entities </span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="ifff3a22a8b4f41b28d06e0d5da6a0923"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Spanish regulation</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:130%">According to current Spanish regulation (Law 11/2021, of 9 July; Royal Decree 1080/1991, of 5 July; and Order HFP/115/2023, of 9 February), at year-end 2025 Grupo Santander has <ix:nonFraction unitRef="branch" contextRef="c-340" decimals="INF" name="san:NumberOfBranchesResidentInOffShoreTerritories" format="ixt-sec:numwordsen" scale="0" id="f-1379">three</ix:nonFraction> branches in the non-cooperative jurisdictions of Jersey, the Isle of Man and the Cayman Islands (offshore entities). The Group also has a subsidiary in Guernsey, which is in the process of being wound up and is tax resident in the United Kingdom, and is therefore subject to its tax regime. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i130b2c91a0e944a086a0abfbf540ed69"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Offshore branches</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As previously mentioned, Grupo Santander has <ix:nonFraction unitRef="branch" contextRef="c-341" decimals="INF" name="san:NumberOfBranchesResidentInOffShoreTerritories" format="ixt-sec:numwordsen" scale="0" id="f-1380">three</ix:nonFraction> offshore branches in the non-cooperative jurisdictions of the Cayman Islands, the Isle of Man and Jersey. They report to, and consolidate balance sheets and income statements with, their respective foreign headquarters. They are taxed either with their headquarters (the Cayman Islands branch in Brazil) or in the territories they are located (Jersey and the Isle of Man, pertain to the UK).</span></div><div><span><br/></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:130%">These <ix:nonFraction unitRef="branch" contextRef="c-341" decimals="INF" name="san:NumberOfBranchesResidentInOffShoreTerritories" format="ixt-sec:numwordsen" scale="0" id="f-1381">three</ix:nonFraction> offshore branches have a total of <ix:nonFraction unitRef="employee" contextRef="c-341" decimals="INF" name="ifrs-full:NumberOfEmployees" scale="0" id="f-1382">147</ix:nonFraction> employees as of December 2025.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="idc786effcee648ca9650abbf19c68516"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Subsidiaries in non-cooperative jurisdictions that are tax resident in the United Kingdom (UK)</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander also has a subsidiary incorporated in the non-cooperative jurisdiction of Guernsey, which is not deemed an offshore entity because it operated exclusively from the UK and is tax resident there, and is therefore subject to UK tax law. This subsidiary is in the process of being liquidated as of December 31, 2025.</span></div><div><span><br/></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:130%">Additionally, during 2025 a subsidiary incorporated in Bermuda  and tax resident in the United Kingdom, was liquidated.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i92c59024d89242759490d88da0a23095"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Other offshore holdings</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%">From Brazil, Grupo Santander manages Santander Brazil Global Investment Fund SPC, a segregated portfolio company located in the Cayman Islands. The Group also holds minority, non-controlling financial interests in entities located in non-cooperative jurisdictions, including, among others, Klar Holdings Limited in the Cayman Islands.<span id="i47cdd7cd05694b6ab5223c104620441d"></span></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:120%"> </span></div><div style="margin-bottom:1pt;margin-top:9pt"><span id="i58f5c844de0e4cb59164f3478e27d8f4"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">The European Union (EU)</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:130%">Santander has no presence in any of the <ix:nonFraction unitRef="jurisdiction" contextRef="c-2" decimals="INF" name="san:NumberOfJurisdictionsWithinEUsBlacklist" scale="0" id="f-1383">11</ix:nonFraction> jurisdictions included on the EU Council&#8217;s blacklist of non-cooperative jurisdictions for tax purposes as of 31 December 2025. Additionally, the EU grey list comprises another <ix:nonFraction unitRef="branch" contextRef="c-2" decimals="INF" name="san:NumberOfJurisdictionsWithinEUsGreyList" scale="0" id="f-1384">11</ix:nonFraction> jurisdictions which have sufficiently committed to fully adapting their legislation to international tax standards, subject to monitoring by the EU. Within these grey-list jurisdictions, Santander operates only in Morocco through one subsidiary and holds a minority interest in a financial institution tax resident in that jurisdiction.</span></div></div></ix:continuation></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">173</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-156"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-1336-6"><div style="margin-bottom:3pt"><span id="i874031b2f66645ab8c8ef47cd7035f7b"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:115%">Organization for Economic Cooperation and Development (OECD)</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%">Grupo Santander has no presence in any jurisdictions non-compliant with both OECD standards on transparency and exchange of information for tax purposes (the automatic exchange of information AEOI standard and the exchange of information on request EOIR standard), according to the last annual reports of the OECD Global Forum on Transparency and Exchange of Information for Tax Purposes, released on 2 December 2025. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%">However, Vietnam &#8212;a jurisdiction where Santander has a subsidiary&#8212; does not comply with the EOIR standard. Meanwhile, The Bahamas and Chile &#8212;jurisdictions where Santander is also present&#8212;, although they have complete legal and regulatory frameworks in place for the implementation of the AEOI standard, they still need to improve the effectiveness of this standard.</span></div><div><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfDetailedInformationOnOffshoreTerritoriesTableTextBlock" id="f-1385" continuedAt="f-1385-1" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Santander presence in offshore territories at the end of 2025 is as follows:</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Group presence in non-cooperative jurisdictions</span></div><div><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.858%"><tr><td style="width:1.0%"/><td style="width:49.055%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.822%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.823%"/><td style="width:0.1%"/></tr><tr style="height:30pt"><td colspan="3" rowspan="2" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Regulatory framework</span></div></td><td colspan="6" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Group presence in non-cooperative jurisdictions</span></div></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Subsidiaries</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Branches</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Spanish legislation</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%"><ix:nonFraction unitRef="subsidiary" contextRef="c-340" decimals="INF" name="san:NumberOfSubsidiariesResidentInOffShoreTerritories" format="ixt:fixed-zero" scale="0" id="f-1386">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="branch" contextRef="c-340" decimals="INF" name="san:NumberOfBranchesResidentInOffShoreTerritories" format="ixt:num-dot-decimal" id="f-1387">3</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Council of the EU blacklist</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%"><ix:nonFraction unitRef="subsidiary" contextRef="c-342" decimals="INF" name="san:NumberOfSubsidiariesResidentInOffShoreTerritories" format="ixt:fixed-zero" scale="0" id="f-1388">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%"><ix:nonFraction unitRef="branch" contextRef="c-342" decimals="INF" name="san:NumberOfBranchesResidentInOffShoreTerritories" format="ixt:fixed-zero" scale="0" id="f-1389">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">OECD</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%"><ix:nonFraction unitRef="subsidiary" contextRef="c-343" decimals="INF" name="san:NumberOfSubsidiariesResidentInOffShoreTerritories" format="ixt:fixed-zero" scale="0" id="f-1390">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%"><ix:nonFraction unitRef="branch" contextRef="c-343" decimals="INF" name="san:NumberOfBranchesResidentInOffShoreTerritories" format="ixt:fixed-zero" scale="0" id="f-1391">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="subsidiary" contextRef="c-344" decimals="INF" name="san:NumberOfSubsidiariesResidentInOffShoreTerritories" format="ixt:fixed-zero" scale="0" id="f-1392">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="branch" contextRef="c-344" decimals="INF" name="san:NumberOfBranchesResidentInOffShoreTerritories" scale="0" id="f-1393">3</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="subsidiary" contextRef="c-345" decimals="INF" name="san:NumberOfSubsidiariesResidentInOffShoreTerritories" format="ixt:fixed-zero" scale="0" id="f-1394">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="branch" contextRef="c-345" decimals="INF" name="san:NumberOfBranchesResidentInOffShoreTerritories" scale="0" id="f-1395">3</ix:nonFraction></span></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">a</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:7.84pt">Additionally, there is <ix:nonFraction unitRef="subsidiary" contextRef="c-346" decimals="INF" name="san:NumberOfSubsidiariesTaxResidentInTheUK" format="ixt-sec:numwordsen" scale="0" id="f-1396">one</ix:nonFraction> subsidiary constituted in Guernsey (in the process of winding up), but resident for tax purposes in the UK.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">b</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:7.59pt">The Group has <ix:nonFraction unitRef="branch" contextRef="c-347" decimals="INF" name="san:NumberOfBranchesResidentInOffShoreTerritories" format="ixt-sec:numwordsen" scale="0" id="f-1397">three</ix:nonFraction> branches in Jersey, the Isle of Man and the Cayman Islands. These jurisdictions are not included in the European Union&#8217;s October 2025 blacklist and fully comply with both OECD international standards on transparency and exchange of information for tax purposes (AEOI and EOIR). </span></div></ix:nonNumeric><div style="padding-left:11.34pt;text-indent:-11.34pt"><ix:continuation id="f-1385-1" continuedAt="f-1385-2"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">c</span></ix:continuation><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:8.33pt"><ix:continuation id="f-1385-2">Jurisdictions non-compliant with both OECD standards (AEOI and EOIR).</ix:continuation> </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander has the right mechanisms (risk management, supervision, verification and review plans, and regular reporting) to prevent reputational, tax and legal risks in entities resident in non-cooperative jurisdictions. Grupo Santander also maintains its policy of limiting and reducing its presence in non-cooperative jurisdictions when possible.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">PwC member firms audited the financial statements of Grupo Santander&#8217;s offshore entities in 2025, 2024 and 2023.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_901"></div><div style="margin-bottom:6pt"><span id="i332d957ffeba464095a7743d3b22fcfa"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">4. <ix:nonNumeric contextRef="c-1" name="san:DisclosureOfShareholderDistributionShareholderRemunerationAndEarningsPerShareTextBlock" id="f-1401" continuedAt="f-1401-1" escape="true">Distribution of Banco Santander's profit, shareholder remuneration scheme and earnings per share</ix:nonNumeric></span></div><ix:continuation id="f-1401-1" continuedAt="f-1401-2"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i9159fb1bfe824a72bb5c7238cbedc943_2540"></span><span id="i412689de8bcc4ea88b7189b00fbcd04c"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Distribution of Banco Santander's profit and shareholder remuneration scheme</span></div><ix:nonNumeric contextRef="c-1" name="san:ScheduleOfDistributionOfNetProfitTableTextBlock" id="f-1402" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The distribution of the Bank's current annual results that the board of directors will propose for approval by the shareholders at the annual general meeting is as follows: </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"><tr><td style="width:1.0pt"/><td style="width:203.50pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:35.50pt"/><td style="width:1.0pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">To dividends</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-349" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-1403">3,520</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Dividend paid at 31 December</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-350" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-1404">1,699</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Complementary dividend</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-351" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-1405">1,821</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">To voluntary reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-349" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAppropriationOfRetainedEarnings" format="ixt:num-dot-decimal" scale="6" id="f-1406">7,593</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net profit for the&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-349" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-1407">11,113</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span></div><div style="padding-left:7.09pt;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:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Total amount paid as interim dividend, at the rate of EUR <ix:nonFraction unitRef="eurPerShare" contextRef="c-350" decimals="3" name="ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare" scale="-2" id="f-1408">11.5</ix:nonFraction> fixed cents per eligible share (recorded in 'Shareholders' equity - Interim dividends').</span></div><div style="padding-left:7.09pt;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:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Fixed complementary dividend of EUR <ix:nonFraction unitRef="eurPerShare" contextRef="c-351" decimals="3" name="ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare" scale="-2" id="f-1409">12.5</ix:nonFraction> gross cents per eligible share, payable in cash as from 5 May 2026. The total amount has been estimated on the assumption that, as a result of the partial implementation of the buyback program announced on February 3, 2026, the number of the Bank's outstanding shares eligible for the dividend will be <ix:nonFraction unitRef="shares" contextRef="c-349" decimals="0" name="san:NumberOfSharesOutstandingEntitledToReceiveDividend" format="ixt:num-dot-decimal" scale="0" id="f-1410">14,568,470,446</ix:nonFraction> and that, as envisaged, the capital increase submitted to the 2026 general meeting under item 6.C of the agenda will not be executed before 5 May 2026. Therefore, the total amount of the complementary dividend may be lower if more shares than initially envisaged are acquired under the buy-back programme, or higher if fewer shares are acquired under the buy-back programme or if the capital increase submitted to this general meeting under item 6.C of the agenda is executed before 5 May 2026.</span></div><div style="padding-left:7.09pt;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:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Estimated amount corresponding to a complementary dividend of EUR <ix:nonFraction unitRef="eur" contextRef="c-351" decimals="2" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="0" id="f-1411">1,821,058,805.75</ix:nonFraction>. To be increased or reduced by the same amount by which the total amount of the final dividend is lower or higher, respectively, than its estimated amount.</span></div></ix:nonNumeric><div style="text-indent:9.21pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></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:130%">The transcribed proposal comprises the part of the 2025 shareholder remuneration policy that is implemented through cash dividends (the interim dividend paid in November 2025 of EUR <ix:nonFraction unitRef="eurPerShare" contextRef="c-352" decimals="3" name="ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare" scale="-2" id="f-1412">11.5</ix:nonFraction> cents per share with dividend entitlement, approved by the board of directors on September 30, 2025, and the complementary dividend expected to be paid as of  5 May 2026, of EUR <ix:nonFraction unitRef="eurPerShare" contextRef="c-353" decimals="3" name="ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare" scale="-2" id="f-1413">12.5</ix:nonFraction> cents per share with the dividend entitlement, proposed by the board of directors on 24 February 2026, and therefore subject to approval by the general meeting).</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:130%">The remuneration policy also provides for shareholder remuneration through the implementation of share buyback programmes, to which an amount equivalent to <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="san:ShareBuybackProgramPercentageOfUnderlyingProfit" scale="-2" id="f-1414">25</ix:nonFraction>% of the Group&#8217;s underlying profit will be allocated. The first programme charged to 2025 results, amounting to approximately amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-354" decimals="-6" name="san:ShareBuybackProgramAmount" format="ixt:num-dot-decimal" scale="6" id="f-1415">1,700</ix:nonFraction>&#160;million, was completed between August 2025 and December 2025. In addition, in 2025 Banco Santander announced its objective of allocating at least EUR <ix:nonFraction unitRef="eur" contextRef="c-355" decimals="-6" name="san:ShareBuybackProgramAmount" format="ixt:num-dot-decimal" scale="6" id="f-1416">10,000</ix:nonFraction>&#160;million to share buybacks in respect of 2025 and 2026 results and expected excess capital. As part of this objective, on 4 February 2026 a second buyback programme was launched for a maximum total amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-356" decimals="-6" name="san:ShareBuybackProgramAmount" format="ixt:num-dot-decimal" scale="6" id="f-1417">5,030</ix:nonFraction> million, of which EUR <ix:nonFraction unitRef="eur" contextRef="c-357" decimals="-6" name="san:ShareBuybackProgramAmount" format="ixt:num-dot-decimal" scale="6" id="f-1418">1,830</ix:nonFraction>&#160;million corresponds to an amount equivalent to c.<ix:nonFraction unitRef="number" contextRef="c-358" decimals="2" name="san:ShareBuybackProgramPercentageOfUnderlyingProfit" scale="-2" id="f-1419">25</ix:nonFraction>% of the Group&#8217;s underlying profit in the second half of 2025, and the remaining EUR <ix:nonFraction unitRef="eur" contextRef="c-359" decimals="-6" name="san:ShareBuybackProgramAmount" format="ixt:num-dot-decimal" scale="6" id="f-1420">3,200</ix:nonFraction>&#160;million corresponds to c.<ix:nonFraction unitRef="number" contextRef="c-358" decimals="2" name="san:ShareBuybackProgramPercentageOfCapitalReleasedOfSaleOfPoland" scale="-2" id="f-1421">50</ix:nonFraction>% of the capital released following completion of the sale of the <ix:nonFraction unitRef="number" contextRef="c-360" decimals="2" name="san:SaleOfProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-1422">49</ix:nonFraction>% stake in Santander Bank Polska. A capital reduction resolution is also being submitted to the general meeting to enable the cancellation of the treasury shares acquired under this second buyback programme.</span></div></ix:continuation></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">174</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-157"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1401-2" continuedAt="f-1401-3"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The accounting statement, prepared by the Bank pursuant to legal requirements, evidencing the existence of sufficient liquidity for the payment of the interim dividend on the date and for the amount mentioned above, was as follows:</span></div><ix:nonNumeric contextRef="c-1" name="san:ScheduleOfProvisionalAccountingStatementForInterimDividendTableTextBlock" id="f-1423" escape="true"><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:72.665%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:25.135%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 August 2025</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit before taxes</span></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-361" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-1424">6,193</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tax expense</span></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-361" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-1425">635</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Dividends paid in cash</span></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-361" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:fixed-zero" scale="6" id="f-1426">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Distributable maximum amount</span></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-361" decimals="-6" name="san:DividendsMaximumAmountDistributable" format="ixt:num-dot-decimal" scale="6" id="f-1427">5,558</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Available liquidity</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-362" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-1428">96,923</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div></ix:nonNumeric><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Finally, and although it does not form part of the remuneration charged to the 2025 financial year, it is hereby stated that, in execution of the resolution of the general meeting held on 4 April 2025, on 2 May 2025 the Bank paid a final cash dividend of EUR <ix:nonFraction unitRef="eurPerShare" contextRef="c-363" decimals="2" name="ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare" scale="-2" id="f-1429">11</ix:nonFraction> cents per share charged to the results of the 2024 financial year.  Finally, also charged to the results of 2024, the Bank implemented <ix:nonFraction unitRef="program" contextRef="c-1" decimals="INF" name="san:NumberOfShareBuybackPrograms" format="ixt-sec:numwordsen" scale="0" id="f-1430">two</ix:nonFraction> repurchase programs. The first of them for a maximum amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-364" decimals="-6" name="san:ShareBuybackProgramAmount" format="ixt:num-dot-decimal" scale="6" id="f-1431">1,525</ix:nonFraction> million, was completed in December 2024, and the second, for a maximum amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-365" decimals="-6" name="san:ShareBuybackProgramAmount" format="ixt:num-dot-decimal" scale="6" id="f-1432">1,587</ix:nonFraction>&#160;million, was completed in June 2025.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="ica8bd92432c445b9abd53378bdd1f356"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Earnings/loss per share from continuing and discontinued operations</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="i57432fb88e6042a28c2214bb6b8e89a6"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Basic earnings / loss per share</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:130%">Basic earnings/loss per share are calculated by dividing the net profit attributable to the Group, adjusted by the after-tax amount of the remuneration of contingently convertible preference shares (PPCC) recognised in equity and the capital perpetual preference shares (PPCA) (see note&#160;23), if applicable, by the weighted average number of ordinary shares outstanding during that period, excluding the average number of own shares held through that period.</span></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:EarningsPerShareExplanatory" id="f-1433" continuedAt="f-1433-1" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Accordingly:</span></div><div 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format="ixt:num-dot-decimal" scale="6" id="f-1434">14,101</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-1435">12,574</ix:nonFraction></span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-1436">11,076</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Remuneration of PPCC and PPCA (EUR million) (note 23)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="san:AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities" 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#9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:41pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Profit (Loss) from discontinued operations (non controlling interest net) (EUR million)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" scale="6" id="f-1443">962</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" scale="6" id="f-1444">822</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" scale="6" id="f-1445">717</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:56pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Profit (Loss) from continuing operations (non-controlling interest and PPCC and PPCA net) <br/>(EUR million)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" format="ixt:num-dot-decimal" scale="6" id="f-1446">12,517</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" format="ixt:num-dot-decimal" scale="6" id="f-1447">11,132</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" format="ixt:num-dot-decimal" scale="6" id="f-1448">9,867</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Weighted average number of shares outstanding</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="0" name="ifrs-full:WeightedAverageShares" format="ixt:num-dot-decimal" scale="0" id="f-1449">14,890,304,840</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-86" decimals="0" name="ifrs-full:WeightedAverageShares" format="ixt:num-dot-decimal" scale="0" id="f-1450">15,497,607,269</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-87" decimals="0" name="ifrs-full:WeightedAverageShares" format="ixt:num-dot-decimal" scale="0" id="f-1451">16,172,084,714</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Basic earnings (Loss) per share (euros)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-1" decimals="3" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="f-1452">0.905</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-86" decimals="3" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="f-1453">0.771</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-87" decimals="3" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="f-1454">0.654</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which, from discounted operations (euros)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-1" decimals="3" name="ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations" scale="0" id="f-1455">0.065</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-86" decimals="3" name="ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations" scale="0" id="f-1456">0.053</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-87" decimals="3" name="ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations" scale="0" id="f-1457">0.044</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:33pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Basic earnings (Loss) per share from continuing operations (euros)</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-1" decimals="3" name="ifrs-full:BasicEarningsLossPerShareFromContinuingOperations" scale="0" id="f-1458">0.840</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-86" decimals="3" name="ifrs-full:BasicEarningsLossPerShareFromContinuingOperations" scale="0" id="f-1459">0.718</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-87" decimals="3" name="ifrs-full:BasicEarningsLossPerShareFromContinuingOperations" scale="0" id="f-1460">0.610</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">175</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-158"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-1401-3"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i798140aa57f743b6a55695352273d191"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Diluted earnings / loss per share</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:130%">Diluted earnings/loss per share are calculated by dividing the net profit attributable to the Group, adjusted by the after-tax amount of the remuneration of contingently convertible preference shares recognised in equity (PPCC) recognised in equity and the capital perpetual preference shares (PPCA) (see note&#160;23), by the weighted average number of ordinary shares outstanding during the&#160;year, excluding the average number of treasury shares and adjusted for all the dilutive effects inherent to potential ordinary shares (share options, and convertible debt securities).</span></div><ix:continuation id="f-1433-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Accordingly, diluted earnings/loss per share were determined 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:243.00pt"><tr><td style="width:1.0pt"/><td style="width:76.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:52.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:52.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:52.75pt"/><td style="width:1.0pt"/></tr><tr style="height:11pt"><td colspan="3" style="padding:0 8.09pt 0 1pt;text-indent:-7.09pt"><div style="margin-bottom:6pt;padding-right:7.09pt;text-align:justify;text-indent:-7.09pt"></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2023</span></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Profit (Loss) attributable to the Parent (EUR million)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-1461">14,101</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-1462">12,574</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-1463">11,076</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Remuneration of PPCC and PPCA (EUR million) (Note 23)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="san:AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities" scale="6" id="f-1464">622</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="san:AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities" scale="6" id="f-1465">620</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="san:AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities" scale="6" id="f-1466">492</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:41pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Dilutive effect of changes in profit for the period arising from potential conversion of ordinary shares</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:DilutiveEffectOfPotentialConversionOfOrdinaryShares" format="ixt:fixed-zero" scale="6" id="f-1467">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:DilutiveEffectOfPotentialConversionOfOrdinaryShares" format="ixt:fixed-zero" scale="6" id="f-1468">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:DilutiveEffectOfPotentialConversionOfOrdinaryShares" format="ixt:fixed-zero" scale="6" id="f-1469">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" format="ixt:num-dot-decimal" scale="6" id="f-1470">13,479</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" format="ixt:num-dot-decimal" scale="6" id="f-1471">11,954</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" format="ixt:num-dot-decimal" scale="6" id="f-1472">10,584</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:48pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Profit (Loss) from discontinued operations (net of non-controlling interests) (EUR million)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" scale="6" id="f-1473">962</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" scale="6" id="f-1474">822</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" scale="6" id="f-1475">717</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:56pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Profit (Loss) from continuing operations (net of non-controlling interests and PPCC and PPCA) (EUR million)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" format="ixt:num-dot-decimal" scale="6" id="f-1476">12,517</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" format="ixt:num-dot-decimal" scale="6" id="f-1477">11,132</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" format="ixt:num-dot-decimal" scale="6" id="f-1478">9,867</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Weighted average number of shares outstanding</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="0" name="ifrs-full:WeightedAverageShares" format="ixt:num-dot-decimal" scale="0" id="f-1479">14,890,304,840</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-86" decimals="0" name="ifrs-full:WeightedAverageShares" format="ixt:num-dot-decimal" scale="0" id="f-1480">15,497,607,269</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-87" decimals="0" name="ifrs-full:WeightedAverageShares" format="ixt:num-dot-decimal" scale="0" id="f-1481">16,172,084,714</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Dilutive effect of options/rights on shares</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="0" name="san:DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares" format="ixt:num-dot-decimal" scale="0" id="f-1482">85,269,647</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-86" decimals="0" name="san:DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares" format="ixt:num-dot-decimal" scale="0" id="f-1483">70,110,570</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-87" decimals="0" name="san:DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares" format="ixt:num-dot-decimal" scale="0" id="f-1484">75,180,407</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Adjusted number of shares</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="0" name="ifrs-full:AdjustedWeightedAverageShares" format="ixt:num-dot-decimal" scale="0" id="f-1485">14,975,574,487</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-86" decimals="0" name="ifrs-full:AdjustedWeightedAverageShares" format="ixt:num-dot-decimal" scale="0" id="f-1486">15,567,717,839</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-87" decimals="0" name="ifrs-full:AdjustedWeightedAverageShares" format="ixt:num-dot-decimal" scale="0" id="f-1487">16,247,265,121</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Diluted earnings (Loss) per share (euros)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-1" decimals="3" name="ifrs-full:DilutedEarningsLossPerShare" scale="0" id="f-1488">0.900</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-86" decimals="3" name="ifrs-full:DilutedEarningsLossPerShare" scale="0" id="f-1489">0.768</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-87" decimals="3" name="ifrs-full:DilutedEarningsLossPerShare" scale="0" id="f-1490">0.651</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which, from discounted operations (euros)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-1" decimals="3" name="ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations" scale="0" id="f-1491">0.064</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-86" decimals="3" name="ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations" scale="0" id="f-1492">0.053</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-87" decimals="3" name="ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations" scale="0" id="f-1493">0.044</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:33pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Diluted earnings (Loss) per share from continuing operations (euros)</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-1" decimals="3" name="ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations" scale="0" id="f-1494">0.836</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-86" decimals="3" name="ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations" scale="0" id="f-1495">0.715</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eurPerShare" contextRef="c-87" decimals="3" name="ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations" scale="0" id="f-1496">0.607</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div style="padding-left:7.08pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_904"></div><div style="margin-bottom:9pt;margin-top:120pt"><span id="ie0994a5c753f42d89f20736cbcebbd50"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">5. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory" id="f-1497" continuedAt="f-1497-1" escape="true">Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers</ix:nonNumeric></span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_907"></div><div style="margin-bottom:9pt;margin-top:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"><ix:continuation id="f-1497-1" continuedAt="f-1497-2">The following section contains qualitative and quantitative disclosures on the remuneration paid to the members of the board of directors &#8212;both executive and non-executive directors&#8212; and senior managers for 2025 and 2024</ix:continuation>.</span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_916"></div><ix:continuation id="f-1497-2" continuedAt="f-1497-3"><div style="margin-bottom:3pt;margin-top:9pt"><span id="ib8d1bfde2c6e40399de7afe37ab2a4da"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Remuneration of Directors</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="i3b56fe5d95444c75bf7c7760b9144913"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Bylaw-stipulated emoluments</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:130%">The annual general meeting held on 22 March 2013 approved an amendment to the Bylaws, whereby the remuneration of directors in their capacity as board members became an annual fixed amount determined by the annual general meeting. This amount shall remain in effect unless the shareholders resolve to change it at a general meeting. However, the board of directors may elect to reduce the amount in any years in which it deems such action justified.</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:130%">The maximum remuneration established by the annual general meeting was EUR <ix:nonFraction unitRef="eur" contextRef="c-366" decimals="-6" name="san:KeyManagementPersonnelCompensationBoardApprovedAnnualAmount" scale="6" id="f-1498">6</ix:nonFraction>&#160;million  in 2025 (EUR <ix:nonFraction unitRef="eur" contextRef="c-367" decimals="-6" name="san:KeyManagementPersonnelCompensationBoardApprovedAnnualAmount" scale="6" id="f-1499">6</ix:nonFraction>&#160;million in 2024), with <ix:nonFraction unitRef="remuneration_component" contextRef="c-368" decimals="INF" name="san:NumberOfRemunerationComponents" format="ixt-sec:numwordsen" scale="0" id="f-1500">two</ix:nonFraction> components: (a)&#160;an annual emolument and (b)&#160;attendance fees.</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:130%">The specific amount payable for the above-mentioned items to each of the directors is determined by the board of directors. For such purpose, it takes into consideration the positions held by each director on the board, their membership of the board and the board committees and their attendance to the meetings thereof, and any other objective circumstances considered by the board.</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:130%">The total Bylaw-stipulated emoluments earned by the directors in 2025 amounted to EUR  <ix:nonFraction unitRef="eur" contextRef="c-368" decimals="-5" name="san:KeyManagementPersonnelCompensationByLawStipulatedEmoluments" scale="6" id="f-1501">5.3</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-369" decimals="-5" name="san:KeyManagementPersonnelCompensationByLawStipulatedEmoluments" scale="6" id="f-1502">5.4</ix:nonFraction>&#160;million in 2024).</span></div></ix:continuation><div style="margin-bottom:3pt;margin-top:9pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">176</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-159"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1497-3" continuedAt="f-1497-4"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="id100392053194ae8bf491a587919ba48"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Annual allotment</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAnnualEmolumentTableTextBlock" id="f-1503" escape="true"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For 2025, the board of directors, upon recommendation of the remuneration committee, approved a <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="san:IncreaseDecreaseKeyManagementPersonnelCompensationDirectorCompensationPerDirectorPercentage" scale="-2" id="f-1504">3</ix:nonFraction>% increase in the annual</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:130%">allotments payable to the chair and members of the board and its committees (including the executive committee), as well as to the lead independent director and the non-executive Vice Chair .  Accordingly, each director received, in respect of 2024 and 2025, the amounts corresponding to their service on the board and its committees, with such amounts determined by the specific position held, as detailed in the table below.</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:62.480%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.727%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.493%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Amount per director in euros</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the board of directors</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-368" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1505">100,940</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-369" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1506">98,000</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the executive committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-370" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1507">175,100</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-371" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1508">170,000</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the audit committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-372" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1509">44,290</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-373" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1510">43,000</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the appointments committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-374" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1511">28,840</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-375" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1512">28,000</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the remuneration committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-376" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1513">28,840</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-377" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1514">28,000</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the risk supervision, regulation and compliance committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-378" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1515">44,290</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-379" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1516">43,000</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the responsible banking, sustainability and culture committee </span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-380" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1517">28,840</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-381" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1518">28,000</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the innovation and technology committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-382" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1519">28,840</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-383" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1520">28,000</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Chair of the audit committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-384" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1521">72,100</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-385" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1522">70,000</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Chair of the appointments committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-386" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1523">51,500</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-387" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1524">50,000</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Chair of the remuneration committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-388" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1525">51,500</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-389" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1526">50,000</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Chair of the risk supervision, regulation and compliance committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-390" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1527">72,100</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-391" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1528">70,000</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Chair of the responsible banking, sustainability and culture committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-392" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1529">51,500</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-393" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1530">50,000</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Chair of the innovation and technology committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-394" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1531">72,100</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-395" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1532">70,000</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Lead independent  director</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:105%;position:relative;top:-2.44pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-396" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1533">113,300</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-397" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1534">110,000</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non-executive Vice Chair</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-398" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1535">30,900</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-399" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1536">30,000</ix:nonFraction></span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Glenn Hutchins has been allocated EUR <ix:nonFraction unitRef="eur" contextRef="c-400" decimals="INF" name="san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector" format="ixt:num-dot-decimal" scale="0" id="f-1537">700,000</ix:nonFraction> (including annual allowances and attendance fees) in minimum total annual pay set for the required time and dedication to perform his roles.</span></div></ix:nonNumeric><div style="margin-bottom:3pt;margin-top:9pt"><span id="i05e713c2bd1f46848162ab7ff10dc41a"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Attendance fees</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:130%">The directors receive fees for attending board and committee meetings, excluding executive committee meetings, where no attendance fees are received.</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:130%">In line with the adjustment to the annual allotments, the board of directors approved a <ix:nonFraction unitRef="number" contextRef="c-401" decimals="2" name="san:IncreaseDecreaseKeyManagementPersonnelCompensationAttendanceFeesPercentage" scale="-2" id="f-1538">3</ix:nonFraction>% increase for 2025 in attendance fees compared with 2024. </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:130%">Accordingly, attendance fees for meetings of the board and its committees (with the exception of the Executive Committee, for which no attendance fees are payable) amounted, for the last two years, to the totals set out in the table below<ix:nonNumeric contextRef="c-1" name="san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAttendanceFeesExplanatoryTableTextBlock" id="f-1539" continuedAt="f-1539-1" escape="true">:</ix:nonNumeric></span></div><ix:continuation id="f-1539-1"><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 style="width:71.437%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.720%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.543%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 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:105%">Attendance fees per director per meeting in euros </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Board of directors</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-368" decimals="0" name="san:KeyManagementPersonnelCompensationAttendanceFeesPerMeeting" format="ixt:num-dot-decimal" scale="0" id="f-1540">2,785</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-369" decimals="0" name="san:KeyManagementPersonnelCompensationAttendanceFeesPerMeeting" format="ixt:num-dot-decimal" scale="0" id="f-1541">2,704</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Audit committee and risk supervision, regulation and compliance committee</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-402" decimals="0" name="san:KeyManagementPersonnelCompensationAttendanceFeesPerMeeting" format="ixt:num-dot-decimal" scale="0" id="f-1542">1,821</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-403" decimals="0" name="san:KeyManagementPersonnelCompensationAttendanceFeesPerMeeting" format="ixt:num-dot-decimal" scale="0" id="f-1543">1,768</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other committees (excluding executive committee) </span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-404" decimals="0" name="san:KeyManagementPersonnelCompensationAttendanceFeesPerMeeting" format="ixt:num-dot-decimal" scale="0" id="f-1544">1,606</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-405" decimals="0" name="san:KeyManagementPersonnelCompensationAttendanceFeesPerMeeting" format="ixt:num-dot-decimal" scale="0" id="f-1545">1,560</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div></ix:continuation><div style="margin-bottom:3pt;margin-top:9pt"><span id="iba037c01194d4f85b6d84e4807b6af76"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Salaries</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:130%">The executive directors receive salaries. In accordance with the policy approved by the annual general meeting, salaries are composed of a fixed annual remuneration and a variable one, which consists in a unique incentive, which is a deferred variable remuneration plan linked to multi-year objectives, which establishes the following payment scheme:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="san:VariableRemunerationImmediatePaymentPercentage" scale="-2" id="f-1546">40</ix:nonFraction>% of the variable remuneration amount, determined at year-end on the basis of the achievement of the established objectives, is paid immediately. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The remaining <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-1547">60</ix:nonFraction>% is deferred over <ix:nonNumeric contextRef="c-1" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-1548">five years</ix:nonNumeric>, provided that the conditions of permanence in the Group and non-concurrence of the malus clauses are met, and subject to long term metrics, taking into account the following accrual scheme: </span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">The accrual of the first and second portion (<ix:nonFraction unitRef="number" contextRef="c-406" decimals="2" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-1549">20</ix:nonFraction>% of total variable compensation, paid in 2027 and 2028)  will be conditional on none of the malus clauses being triggered.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">The accrual of the third, fourth and fifth portion (<ix:nonFraction unitRef="number" contextRef="c-407" decimals="2" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-1550">40</ix:nonFraction>% of total variable compensation and paid in 2029, 2030 and 2031), is linked to objectives related to the period 2025&#8212;2027 and the metrics and scales associated with these objectives. The fulfilment of the objectives determines the percentage to be paid of the deferred amount in these <ix:nonFraction unitRef="annuity" contextRef="c-1" decimals="INF" name="san:VariableRemunerationDeferredPaymentNumberOfAnnuities" format="ixt-sec:numwordsen" scale="0" id="f-1551">three</ix:nonFraction> annuities, and these targets can reduce these amounts and the number of deferred instruments, or increase them up to a maximum achievement ratio of <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="san:VariableRemunerationMaximumAchievementRatio" scale="-2" id="f-1552">125</ix:nonFraction>%, so executives have the incentive to exceed their targets.</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:130%">In accordance with current remuneration policies, the amounts already paid will be subject to a possible recovery (clawback) by the Bank during the period set out in the policy in force at each moment. </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:130%">Payment of the approved incentive is paid  <ix:nonFraction unitRef="number" contextRef="c-408" decimals="2" name="san:VariableRemunerationDeferredPaymentPercentagePaidInCash" scale="-2" id="f-1553">40</ix:nonFraction>% in cash and the remaining <ix:nonFraction unitRef="number" contextRef="c-408" decimals="2" name="san:VariableRemunerationDeferredPaymentPercentagePaidInShares" scale="-2" id="f-1554">60</ix:nonFraction>% in instruments, consisting of Banco Santander  shares and restricted stock units (RSUs) of PagoNxt, split as:</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:130%">&#9702; the amount of PagoNxt RSUs set for each year; and</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:130%">&#9702; the rest, all in shares of Banco Santander. </span></div><div style="margin-bottom:3pt"><span id="i9989b831538a42b496e083843d206d84"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Comparative of executive remuneration (Chair and CEO) </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:130%">The target bonus of the Executive Chair and the CEO for 2025 remains unchanged compared to 2024.<br/><br/>Variable contributions to pensions were not modified in 2025, so the amounts are the <ix:nonFraction unitRef="number" contextRef="c-409" decimals="2" name="san:DefinedBenefitObligationPensionableBasePercentageOfBasis" scale="-2" id="f-1555">22</ix:nonFraction>% of the <ix:nonFraction unitRef="number" contextRef="c-409" decimals="2" name="san:DefinedBenefitObligationPensionableBaseBasisPercentageOfBonusAverage" scale="-2" id="f-1556">30</ix:nonFraction>% of the last <ix:nonFraction unitRef="branch" contextRef="c-409" decimals="INF" name="san:DefinedBenefitObligationPensionableBaseBasisNumberOfPreviousBonuses" format="ixt-sec:numwordsen" scale="0" id="f-1557">three</ix:nonFraction> assigned bonus' average.</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:130%">In assessing individual performance, the Board considered the Grupo Santander&#8217;s strong results for 2025, reflecting continued delivery of our strategic plan. Attributable profit reached EUR <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-1558">14,101</ix:nonFraction>&#160;million in 2025, up <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="san:ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentage" scale="-2" id="f-1559">12</ix:nonFraction>% year-on-year (or +<ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="san:ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentageInConstantEuros" scale="-2" id="f-1560">16</ix:nonFraction>% in constant euros), with a TSR during the year of <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="san:TotalShareholderReturnPercentage" scale="-2" id="f-1561">132</ix:nonFraction>% (+<ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="san:DifferenceBetweenTotalShareholderReturnAndPeerGroupPercentage" scale="-2" id="f-1562">60</ix:nonFraction>% in relative terms vs. our peer group).</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:130%">The Board also evaluated the leadership of the Executive Chair and the Chief Executive Officer in delivering these results and advancing the Group&#8217;s strategic priorities. Taking these factors into account, it determined that both executives achieved an 'Exceptional' level of performance and approved the corresponding variable remuneration.</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:130%">Moreover, the ratio of executive directors&#8217; total remuneration to underlying attributable profit fell to <ix:nonFraction unitRef="number" contextRef="c-1" decimals="4" name="san:RatioOfExecutiveDirectorsTotalRemunerationToUnderlyingAttributableProfit" scale="-2" id="f-1563">0.17</ix:nonFraction>% from <ix:nonFraction unitRef="number" contextRef="c-86" decimals="4" name="san:RatioOfExecutiveDirectorsTotalRemunerationToUnderlyingAttributableProfit" scale="-2" id="f-1564">0.18</ix:nonFraction>% in 2024.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">177</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-160"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1497-4" continuedAt="f-1497-5"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4b16e4c8e855424c9b0bba8062f205a8"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Detail by director</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationOfKeyPersonnelExcludingRemunerationForMultiAnnualObjectivesTableTextBlock" id="f-1565" continuedAt="f-1565-1" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by bank director, of the short-term (immediate) and deferred (not subject to long-term goals) remuneration for 2025 and 2024 is provided below:</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:13.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.423%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="padding:2px 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:105%">EUR thousand</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="6" style="padding:0 1pt"/><td colspan="27" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">2025</span></td></tr><tr style="height:12pt"><td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Bylaw-stipulated emoluments</span></td></tr><tr style="height:12pt"><td colspan="27" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Annual emolument</span></td></tr><tr style="height:15pt"><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Board</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">F</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Executive committee</span></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Audit committee</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Nomination committee</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Remuneration committee</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">1</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Risk supervision, regulation and compliance oversight committee</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">2</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Responsible banking, sustainability and culture committee</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Innovation and technology committee</span></div></td><td 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name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1566">101</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-411" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1567">175</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-412" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1568">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-413" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1569">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-414" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1570">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-415" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1571">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-416" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1572">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-417" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1573">29</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" 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id="f-1582">29</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-427" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1583">44</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="border-top:0.25pt solid 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id="f-1589">44</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-434" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1590">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-435" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1591">29</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-436" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1592">67</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Glenn Hutchins</span></td><td 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id="f-1596">29</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-441" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1597">80</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-442" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1598">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-443" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1599">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-453" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1609">29</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-454" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1610">81</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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id="f-1613">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-458" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1614">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-459" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1615">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-460" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1616">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1620">101</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-465" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1621">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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id="f-1648">175</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-493" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1649">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-494" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1650">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-495" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1651">29</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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id="f-1673">93</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Germ&#225;n de la Fuente</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-518" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1674">101</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid 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id="f-1678">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-523" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1679">44</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-524" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1680">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-525" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1681">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-526" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1682">83</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Carlos Barrab&#233;s</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-527" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1683">101</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-528" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1684">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-529" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1685">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-530" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1686">29</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-531" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1687">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-532" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1688">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-533" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1689">29</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-534" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1690">29</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-535" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1691">71</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Antonio Weiss</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-536" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1692">101</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-537" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1693">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-538" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1694">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-539" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1695">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-540" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1696">29</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-541" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1697">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-542" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1698">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-543" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1699">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-544" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1700">50</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Bruce Carnegie-Brown</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-545" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1701">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-546" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1702">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-547" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1703">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-548" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1704">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-551" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1707">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-552" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1708">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-553" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1709">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ramiro Mato</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-554" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1710">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-555" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1711">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-556" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:fixed-zero" scale="3" id="f-1712">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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contextRef="c-372" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1721">292</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-374" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1722">196</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1724">292</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-380" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1725">196</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-382" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1726">304</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-563" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:num-dot-decimal" scale="3" id="f-1727">1,047</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total 2024</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-369" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:num-dot-decimal" 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-379" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1733">263</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt 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name="ifrs-full:KeyManagementPersonnelCompensation" scale="3" id="f-1735">280</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-564" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:num-dot-decimal" scale="3" id="f-1736">1,240</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. All amounts received were reimbursed to Fundaci&#243;n Bot&#237;n.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Director and member of the nomination committee, responsible banking, sustainability and culture committee and innovation and technology committee since 27 June 2024.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C. Director since 27 June 2024.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D. Stepped down as director on 22 March 2024.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E. Stepped down as director on 27 June 2024.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F. Also includes emoluments for other roles in the board.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Changes in the chairship or membership of the committees:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">1.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt">Antonio Weiss was appointed member of the remuneration committee on 1 January 2025.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">2.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt">Jos&#233; Antonio &#193;lvarez was appointed member of the risk supervision, regulation and compliance oversight committee on 1 January 2025.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">    Other remuneration includes EUR <ix:nonFraction unitRef="eur" contextRef="c-565" decimals="-3" name="san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary" format="ixt:num-dot-decimal" scale="3" id="f-1737">1,000</ix:nonFraction>&#160;thousand for the role as non-executive Chair of the Santander Espa&#241;a business unit and for attending its board and committee meetings for Luis Isasi. For Jos&#233; Antonio &#193;lvarez, this amount includes remuneration as strategic advisor of Grupo Santander, life and health insurance contributions (EUR <ix:nonFraction unitRef="eur" contextRef="c-428" decimals="-3" name="san:KeyManagementPersonnelDirectorsCompensationReceivedLifeAndHealthInsuranceContribution" scale="3" id="f-1738">678</ix:nonFraction>&#160;thousand) and part of the former supplement for having waived the death and disability policy (EUR <ix:nonFraction unitRef="eur" contextRef="c-428" decimals="-3" name="san:KeyManagementPersonnelDirectorsCompensationReceivedWaivingDeathAndDisabilityPolicy" scale="3" id="f-1739">12</ix:nonFraction>&#160;thousand).</span></div></ix:nonNumeric></ix:continuation><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">178</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-161"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1565-1" continuedAt="f-1565-2"><ix:continuation id="f-1497-5" continuedAt="f-1497-6"><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:13.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.276%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="27" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr style="height:4pt"><td colspan="3" style="padding:0 1pt"/><td colspan="18" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Short-term and deferred (not subject to long-term goals) salaries of executive directors</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Fixed</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Variable - immediate payment</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Deferred variable</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">In cash</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">In instruments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">In cash</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">In instruments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Total</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Pension contribution</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Other remuneration</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ana Bot&#237;n</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-566" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed" format="ixt:num-dot-decimal" scale="3" id="f-1740">3,435</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-566" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation" format="ixt:num-dot-decimal" scale="3" id="f-1741">2,003</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-566" decimals="-3" name="san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments" format="ixt:num-dot-decimal" scale="3" id="f-1742">2,003</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-566" decimals="-3" name="san:KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1743">1,001</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-566" decimals="-3" name="san:KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1744">1,002</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-566" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermAndDeferred" format="ixt:num-dot-decimal" scale="3" id="f-1745">9,444</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-566" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1746">1,341</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-566" decimals="-3" name="san:KeyManagementPersonnelCompensationOtherEmployeeBenefits" scale="3" id="f-1747">843</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-566" decimals="-3" name="san:KeyManagementPersonnelCompensationEmployeeBenefits" 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-592" decimals="-3" name="san:KeyManagementPersonnelCompensationOtherEmployeeBenefits" format="ixt:fixed-zero" scale="3" id="f-1877">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-592" decimals="-3" name="san:KeyManagementPersonnelCompensationEmployeeBenefits" scale="3" id="f-1878">259</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-593" decimals="-3" name="san:KeyManagementPersonnelCompensationEmployeeBenefits" scale="3" id="f-1879">128</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Antonio Weiss</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-594" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed" format="ixt:fixed-zero" scale="3" id="f-1880">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-594" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation" format="ixt:fixed-zero" scale="3" id="f-1881">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-594" decimals="-3" name="san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments" format="ixt:fixed-zero" scale="3" id="f-1882">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-594" decimals="-3" name="san:KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits" format="ixt:fixed-zero" scale="3" id="f-1883">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-594" decimals="-3" name="san:KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits" format="ixt:fixed-zero" scale="3" id="f-1884">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-594" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermAndDeferred" format="ixt:fixed-zero" scale="3" id="f-1885">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-594" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits" format="ixt:fixed-zero" scale="3" id="f-1886">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-594" decimals="-3" name="san:KeyManagementPersonnelCompensationOtherEmployeeBenefits" format="ixt:fixed-zero" scale="3" id="f-1887">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-594" decimals="-3" name="san:KeyManagementPersonnelCompensationEmployeeBenefits" scale="3" id="f-1888">180</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-595" decimals="-3" name="san:KeyManagementPersonnelCompensationEmployeeBenefits" scale="3" id="f-1889">72</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Bruce Carnegie-Brown</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-596" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed" format="ixt:fixed-zero" scale="3" id="f-1890">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-596" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation" format="ixt:fixed-zero" scale="3" id="f-1891">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-596" decimals="-3" name="san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments" format="ixt:fixed-zero" scale="3" id="f-1892">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-596" decimals="-3" name="san:KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits" format="ixt:fixed-zero" scale="3" id="f-1893">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-596" decimals="-3" name="san:KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits" format="ixt:fixed-zero" scale="3" id="f-1894">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-596" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermAndDeferred" format="ixt:fixed-zero" scale="3" id="f-1895">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-596" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits" format="ixt:fixed-zero" scale="3" id="f-1896">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-596" decimals="-3" name="san:KeyManagementPersonnelCompensationOtherEmployeeBenefits" format="ixt:fixed-zero" scale="3" id="f-1897">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-596" decimals="-3" name="san:KeyManagementPersonnelCompensationEmployeeBenefits" format="ixt:fixed-zero" scale="3" id="f-1898">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-597" decimals="-3" name="san:KeyManagementPersonnelCompensationEmployeeBenefits" scale="3" id="f-1899">78</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ramiro Mato</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-598" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed" format="ixt:fixed-zero" scale="3" id="f-1900">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-598" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation" format="ixt:fixed-zero" scale="3" id="f-1901">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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name="san:KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits" format="ixt:fixed-zero" scale="3" id="f-1903">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-598" decimals="-3" name="san:KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits" format="ixt:fixed-zero" scale="3" id="f-1904">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-598" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermAndDeferred" format="ixt:fixed-zero" scale="3" id="f-1905">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-598" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits" format="ixt:fixed-zero" scale="3" id="f-1906">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-598" decimals="-3" name="san:KeyManagementPersonnelCompensationOtherEmployeeBenefits" format="ixt:fixed-zero" scale="3" id="f-1907">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-598" decimals="-3" name="san:KeyManagementPersonnelCompensationEmployeeBenefits" format="ixt:fixed-zero" scale="3" id="f-1908">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-599" decimals="-3" name="san:KeyManagementPersonnelCompensationEmployeeBenefits" scale="3" id="f-1909">271</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Total 2025</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed" format="ixt:num-dot-decimal" scale="3" id="f-1910">6,585</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation" format="ixt:num-dot-decimal" scale="3" id="f-1911">3,387</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-3" name="san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments" format="ixt:num-dot-decimal" scale="3" id="f-1912">3,387</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-3" name="san:KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1913">1,693</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-3" name="san:KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1914">1,694</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermAndDeferred" format="ixt:num-dot-decimal" scale="3" id="f-1915">16,746</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1916">2,461</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-3" name="san:KeyManagementPersonnelCompensationOtherEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1917">5,001</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-3" name="san:KeyManagementPersonnelCompensationEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1918">29,462</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Total 2024</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed" format="ixt:num-dot-decimal" scale="3" id="f-1919">6,585</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation" format="ixt:num-dot-decimal" scale="3" id="f-1920">3,130</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-3" name="san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments" format="ixt:num-dot-decimal" scale="3" id="f-1921">3,130</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-3" name="san:KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1922">1,877</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-3" name="san:KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1923">1,879</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermAndDeferred" format="ixt:num-dot-decimal" scale="3" id="f-1924">16,601</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1925">2,444</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-3" name="san:KeyManagementPersonnelCompensationOtherEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1926">5,815</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-3" name="san:KeyManagementPersonnelCompensationEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1927">30,214</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Footnotes in previous table.</span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">179</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-162"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-1497-6" continuedAt="f-1497-7"><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationVariableObjectiveExplanatoryTableTextBlock" id="f-1928" continuedAt="f-1928-1" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is the detail by executive director of the salaries linked to multi-year objectives at their fair Value, which will only be received if the conditions of permanence in the Group, non-applicability of malus clauses and achievement of the established objectives are met (or, as the case may be, of the minimum thresholds thereof, with the consequent reduction of amount agreed-upon at the end of the&#160;year) in the terms described in Note&#160;46.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"><tr><td style="width:1.0%"/><td style="width:30.247%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.379%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.125%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.887%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.379%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.383%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 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:105%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Variable subject to long-term<br/>objectives</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">In cash</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">In shares</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">In RSUs</span></td><td colspan="3" style="padding:2px 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:105%">Total</span></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-600" decimals="-3" name="san:KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits" scale="3" id="f-1929">701</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-600" decimals="-3" name="san:KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1930">1,893</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-600" decimals="-3" name="san:KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs" scale="3" id="f-1931">210</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-600" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationOtherLongtermBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1932">2,804</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-601" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationOtherLongtermBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1933">2,332</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">H&#233;ctor Grisi</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-602" decimals="-3" name="san:KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits" scale="3" id="f-1934">484</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-602" decimals="-3" name="san:KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1935">1,277</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-602" decimals="-3" name="san:KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs" scale="3" id="f-1936">176</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-602" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationOtherLongtermBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1937">1,938</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-603" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationOtherLongtermBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1938">1,611</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-604" decimals="-3" name="san:KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1939">1,185</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-604" decimals="-3" name="san:KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1940">3,170</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-604" decimals="-3" name="san:KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs" scale="3" id="f-1941">386</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-604" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationOtherLongtermBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1942">4,742</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-605" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationOtherLongtermBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1943">3,943</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">1. Corresponds with the fair value of the maximum amount they are entitled to in a total of <ix:nonNumeric contextRef="c-1" name="san:KeyManagementPersonnelCompensationOtherLongTermEmployeeBenefitsConditionsOfContinuedServicePeriod" format="ixt-sec:duryear" id="f-1944">3</ix:nonNumeric> years: 2029, 2030 and 2031, subject to conditions of continued service, with the exceptions provided, and to the non-applicability of malus clauses and achievement of the objectives established. The face value of the <ix:nonFraction unitRef="variable_remuneration" contextRef="c-606" decimals="INF" name="san:KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration" format="ixt-sec:numwordsen" scale="0" id="f-1945">three</ix:nonFraction> aforementioned deferred amounts is EUR <ix:nonFraction unitRef="eur" contextRef="c-604" decimals="-3" name="san:KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-1946">6,774</ix:nonFraction> thousand for 2025 (EUR <ix:nonFraction unitRef="eur" contextRef="c-600" decimals="-3" name="san:KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-1947">4,006</ix:nonFraction> thousand for Ana Bot&#237;n and EUR <ix:nonFraction unitRef="eur" contextRef="c-602" decimals="-3" name="san:KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-1948">2,768</ix:nonFraction> thousand for H&#233;ctor Grisi).</span></div></ix:nonNumeric><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The fair value has been determined at the grant date based on the valuation report of an independent expert, Willis Towers Watson. Based on the design of the plan for 2025 and the levels of achievement of similar plans in comparable entities, the fair value considered is <ix:nonFraction unitRef="number" contextRef="c-607" decimals="2" name="san:PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan" scale="-2" id="f-1949">70</ix:nonFraction>% of the variable remuneration subject to long-term objectives. (see note 46). </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:130%">Note 5.e below includes disclosures on the shares delivered from the deferred remuneration schemes in place in previous years and for which delivery conditions were met, as well as on the maximum number of shares that may be received in future years in connection with the aforementioned 2025 and 2024 variable remuneration plans.<br/></span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_919"></div><ix:continuation id="f-1497-7" continuedAt="f-1497-8"><div style="margin-bottom:6pt;margin-top:9pt"><span id="id609e2b9c7e4407db685bce90ee5dbb9"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Remuneration of the board members as representatives of the Bank</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:130%">By resolution of the executive committee, all the remuneration received by the Bank&#8217;s directors who represent the Bank on the boards of directors of listed companies in which the Bank has a stake, paid by those companies and relating to appointments made on or after 18 March 2002, accrues to the Group. In 2025 the Bank&#8217;s directors did not receive any remuneration in respect of these representative duties. </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On the other hand, in their personal capacity, in 2025  Homaira Akbari was paid USD <ix:nonFraction unitRef="usd" contextRef="c-608" decimals="-3" name="san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary" scale="3" id="f-1950">100</ix:nonFraction>&#160;thousand (EUR <ix:nonFraction unitRef="eur" contextRef="c-608" decimals="-3" name="san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary" scale="3" id="f-1951">85</ix:nonFraction>&#160;thousand) as member of the board of Santander Consumer USA Holdings, Inc. and EUR <ix:nonFraction unitRef="eur" contextRef="c-609" decimals="-3" name="san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary" scale="3" id="f-1952">200</ix:nonFraction>&#160;thousand as member of the board of PagoNxt S.L., and Jos&#233; Antonio &#193;lvarez and Henrique de Castro were each paid the same EUR <ix:nonFraction unitRef="eur" contextRef="c-610" decimals="-3" name="san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary" scale="3" id="f-1953"><ix:nonFraction unitRef="eur" contextRef="c-611" decimals="-3" name="san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary" scale="3" id="f-1954">200</ix:nonFraction></ix:nonFraction>&#160;thousand as members of the board of PagoNxt S.L. (Henrique de Castro also received EUR <ix:nonFraction unitRef="eur" contextRef="c-612" decimals="-3" name="san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary" scale="3" id="f-1955">15</ix:nonFraction>&#160;thousand as member of the nomination committee of PagoNxt, S.L.). Likewise, Pamela Walkden was paid GBP <ix:nonFraction unitRef="gbp" contextRef="c-613" decimals="-3" name="san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary" scale="3" id="f-1956">100</ix:nonFraction>&#160;thousand (EUR <ix:nonFraction unitRef="eur" contextRef="c-613" decimals="-3" name="san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary" scale="3" id="f-1957">115</ix:nonFraction>&#160;thousand) as member of Santander UK plc and Santander UK Group Holdings; and Bel&#233;n Romana EUR <ix:nonFraction unitRef="eur" contextRef="c-614" decimals="-3" name="san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary" scale="3" id="f-1958">157</ix:nonFraction>&#160;thousand as member of the Board of Santander Insurance, S.L. </span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:continuation id="f-1497-8" continuedAt="f-1497-9"><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Likewise, Luis Isasi was paid EUR <ix:nonFraction unitRef="eur" contextRef="c-615" decimals="-3" name="san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary" format="ixt:num-dot-decimal" scale="3" id="f-1959">1,000</ix:nonFraction>&#160;thousand as non-executive Chair of the Santander Espa&#241;a business unit and for attending its board and committee meetings (amounts paid by Banco Santander, S.A.).<br/><br/>And finally, Jos&#233; Antonio &#193;lvarez, as strategic adviser of Grupo Santander, received fixed remuneration of EUR <ix:nonFraction unitRef="eur" contextRef="c-570" decimals="-3" name="san:KeyManagementPersonnelDirectorsCompensationReceivedAsStrategicAdviser" format="ixt:num-dot-decimal" scale="3" id="f-1960">1,750</ix:nonFraction>&#160;thousand. In addition, he received the life and health insurance contributions,  and the part of the former supplement for having waived the death and disability policy.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i2744889d3e284a1281329f3de4eb49d9"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Post-employment and other long-term benefits</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:130%">In 2012, the contracts of Ana Bot&#237;n and other members of the Bank's senior management with defined benefit pension commitments were modified to transform these commitments into a defined contribution system, which covers the contingencies of retirement, disability and death. From that moment on, the Bank makes annual contributions to their pension system for their benefit. </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:130%">This system gives them the right to receive benefits upon retirement, regardless of whether or not they are active at the Bank at such time, based on contributions to the system, and replaced their previous right to receive a pension supplement in the event of retirement.</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:130%">The initial balance for Ana Bot&#237;n in the new defined benefits system corresponded to the market value of the assets from which the provisions corresponding to the respective accrued obligations had materialised on the date on which the old pension commitments were transferred into the new benefits system.</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:130%">Since 2013, the Bank has made annual contributions to the benefits system for executive directors and other members of executive team, in proportion to their respective pensionable bases, until they leave Grupo Santander or until their retirement within the Group, death, or disability. </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:130%">The benefit plan system is outsourced to Santander Seguros y Reaseguros, Compa&#241;&#237;a Aseguradora, S.A., and the economic rights of the foregoing directors under this plan belong to them regardless of whether or not they are active at the Bank at the time of their retirement, death or disability. </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:130%">In accordance with the provisions of the remuneration regulations, contributions made calculated on variable remuneration are subject to the discretionary pension benefits regime. Under this regime, contributions are subject to malus clauses and clawback according to the policy in force at any given time and during the same period in which the variable remuneration is deferred. </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:130%">Furthermore, they must be invested in bank shares for a period of <ix:nonNumeric contextRef="c-1" name="san:PeriodForInvestmentInBankSharesFromDateOfTermination" format="ixt-sec:durwordsen" id="f-1961">five years</ix:nonNumeric> from the date when the executive director leaves the Group, regardless of whether or not they leave to retire. Once that period has elapsed, the amount invested in shares will be reinvested, along with the remainder of the cumulative balance corresponding to the executive director, or it will be paid to the executive director or to their beneficiaries in the event of a contingency covered by the benefits system. </span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></ix:continuation></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">180</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-163"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1497-9" continuedAt="f-1497-10"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As per the director&#180;s remuneration policy approved at the 23 March 2018 general shareholder&#180;s meeting, the system was changed with a focus on: </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Aligning the annual contributions with practices of comparable institutions. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Reducing future liabilities by eliminating the supplementary benefits scheme in the event of death (death of spouse or parent) and permanent disability of serving directors. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Not increasing total costs for the Bank. </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:130%">The changes to the system were the following: </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Fixed and variable pension contributions were reduced to <ix:nonFraction unitRef="number" contextRef="c-368" decimals="2" name="san:DefinedBenefitObligationPensionableBaseDeathOrDisabilityPercentage" scale="-2" id="f-1962">22</ix:nonFraction>% of the respective pensionable bases. The gross annual salaries and the benchmark variable remuneration were increased in the corresponding amount with no increase in total costs for the Bank. The pensionable base for the purposes of the annual contributions for the executive directors is the sum of fixed remuneration plus <ix:nonFraction unitRef="number" contextRef="c-368" decimals="2" name="san:DefinedBenefitObligationPensionableBasePercentAverageOfLastThreeVariableRemunerationAmounts" scale="-2" id="f-1963">30</ix:nonFraction>% of the average of their last <ix:nonFraction unitRef="variable_remuneration" contextRef="c-368" decimals="INF" name="san:DefinedBenefitObligationPensionableBaseNumberOfVariableRemunerationAmounts" format="ixt-sec:numwordsen" scale="0" id="f-1964">three</ix:nonFraction> variable remuneration amounts. This means complying with Circular 2/2016 of the Bank of Spain, standard 41, on pension benefits, by which a part of not less than 15% of the total contribution must be based on variable components.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The death and disability supplementary benefits were eliminated since 1 April 2018. A fixed remuneration supplement (included in other remuneration in section a.iii in this note) was implemented the same date. During 2025, this fixed remuneration supplement has expired both for Ana Bot&#237;n and Jos&#233; Antonio &#193;lvarez, in line with the age of 65 initially set at the time this remuneration component was approved.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The total amount insured for life and accident insurance was increased. </span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationProvisionsForRetirementPensionsAndSupplementaryBenefitsTableTextBlock" id="f-1965" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The provisions recognised in 2025 and 2024 for retirement pensions were 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 style="width:68.596%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.142%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.962%"/><td style="width:0.1%"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Ana Bot&#237;n</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-616" decimals="-3" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1966">1,341</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-617" decimals="-3" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1967">1,339</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">H&#233;ctor Grisi</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-618" decimals="-3" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1968">1,120</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-619" decimals="-3" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1969">1,105</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-620" decimals="-3" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1970">2,461</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-621" decimals="-3" name="ifrs-full:ProvisionsForEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-1971">2,445</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationWelfareSystemTableTextBlock" id="f-1972" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is a detail of the balances relating to each of the directors under the welfare system as of  31 December 2025 and 2024:</span></div><div><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 style="width:66.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.960%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.962%"/><td style="width:0.1%"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Ana Bot&#237;n</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-410" decimals="-3" name="san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld" format="ixt:num-dot-decimal" scale="3" id="f-1973">65,027</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-622" decimals="-3" name="san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld" format="ixt:num-dot-decimal" scale="3" id="f-1974">54,731</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">H&#233;ctor Grisi</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-419" decimals="-3" name="san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld" format="ixt:num-dot-decimal" scale="3" id="f-1975">2,033</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-623" decimals="-3" name="san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld" format="ixt:num-dot-decimal" scale="3" id="f-1976">1,299</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-428" decimals="-3" name="san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld" format="ixt:num-dot-decimal" scale="3" id="f-1977">23,178</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-624" decimals="-3" name="san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld" format="ixt:num-dot-decimal" scale="3" id="f-1978">20,326</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-368" decimals="-3" name="san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld" format="ixt:num-dot-decimal" scale="3" id="f-1979">90,238</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-369" decimals="-3" name="san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld" format="ixt:num-dot-decimal" scale="3" id="f-1980">76,356</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="ied3b22854dd34a24b156490d1ec62dd1"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Insurance</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:130%">The Group pays for life insurance policies for the Bank&#8217;s directors, who will be entitled to receive benefits if they are declared disabled. In the event of death, the benefits will be payable to their heirs. The premiums paid by the Group are included in the 'Other remuneration' column of the table shown in Note 5.a.iii above. <ix:nonNumeric contextRef="c-1" name="san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationLifeInsuranceTableTextBlock" id="f-1981" continuedAt="f-1981-1" escape="true">Also, the following table provides information on the sums insured for the Bank&#8217;s directors:</ix:nonNumeric></span></div><ix:continuation id="f-1981-1"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:69.579%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.407%"/><td style="width:0.1%"/></tr><tr><td colspan="9" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Insured capital</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td><td colspan="6" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 8.09pt 0 1pt;text-indent:-7.09pt"><div style="margin-bottom:6pt;padding-right:7.09pt;text-align:justify;text-indent:-7.09pt"></div></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Ana Bot&#237;n</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-625" decimals="-3" name="ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions" format="ixt:num-dot-decimal" scale="3" id="f-1982">20,659</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-626" decimals="-3" name="ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions" format="ixt:num-dot-decimal" scale="3" id="f-1983">21,525</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">H&#233;ctor Grisi</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-627" decimals="-3" name="ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions" format="ixt:num-dot-decimal" scale="3" id="f-1984">12,600</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-628" decimals="-3" name="ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions" format="ixt:num-dot-decimal" scale="3" id="f-1985">12,600</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-629" decimals="-3" name="ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions" format="ixt:num-dot-decimal" scale="3" id="f-1986">10,500</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-630" decimals="-3" name="ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions" format="ixt:num-dot-decimal" scale="3" id="f-1987">11,215</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-631" decimals="-3" name="ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions" format="ixt:num-dot-decimal" scale="3" id="f-1988">43,759</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-632" decimals="-3" name="ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions" format="ixt:num-dot-decimal" scale="3" id="f-1989">45,340</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The insured capital has been modified in 2018 for Ana Bot&#237;n  as part of the pension systems transformation set out in note 5.c) above, which has encompassed the elimination of the supplementary benefits systems (death of spouse and death of parent) and the increase of the life and accident insurance annuities. </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:130%">During 2025 and 2024, the Group has disbursed a total amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-5" name="san:PaymentOfCivilLiabilityInsurancePremium" scale="6" id="f-1990">8.3</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-5" name="san:PaymentOfCivilLiabilityInsurancePremium" scale="6" id="f-1991">13.5</ix:nonFraction>&#160;million, respectively, for the payment of civil-liability insurance premiums. These premiums correspond to several civil-liability insurance policies that hedge, among others, directors, senior management and other managers and employees of the Group and the Bank itself, as well as its subsidiaries, in light of certain types of potential claims of third parties. For this reason, it is not possible to disaggregate or individualize the amount that correspond to the directors and executives.</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:130%">As of 31 December 2025 and 2024, <ix:nonFraction unitRef="eur" contextRef="c-633" decimals="INF" name="ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions" format="ixt:fixed-zero" scale="0" id="f-1992"><ix:nonFraction unitRef="eur" contextRef="c-634" decimals="INF" name="ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions" format="ixt:fixed-zero" scale="0" id="f-1993">no</ix:nonFraction></ix:nonFraction> life insurance commitments exist for the Group in respect of any other directors.</span></div><div style="margin-bottom:3pt;margin-top:9pt;padding-left:9pt;text-indent:-9pt"><span><br/></span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">181</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-164"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1497-10" continuedAt="f-1497-11"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt;padding-left:9pt;text-indent:-9pt"><span id="i9735f317b5424df3847f23d2d1e497cf"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">e) Deferred variable remuneration systems</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:130%">The following information relates to the maximum number of shares to which the executive directors are entitled at the beginning and end of 2025 and 2024 due to their participation in the deferred variable remuneration systems, which instrumented a portion of their variable remuneration relating to 2025 and prior years, as well as on the deliveries, in shares or in cash, made to them in 2025 and 2024 once the conditions for the receipt thereof had been met (see Note 46):<span id="ibacf1305fb5f412cbeac940f7d457216"></span></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:130%"> </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ieaf1a203b525412f9e5da92b4bcd066b"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i) Deferred variable compensation plan linked to multiannual objectives</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:130%">In the annual shareholders meeting of 18 March 2016, with the aim of simplifying the remuneration structure, improving the ex-ante risk adjustment and increasing the incidence of long-term objectives, the bonus plan (deferred and conditioned variable compensation plan) and ILP were replaced by one single plan. </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:130%">The variable remuneration of executive directors and certain executives (including senior management) corresponding to 2025 has been approved by the board of directors and implemented through the tenth cycle of the deferred variable remuneration plan linked to multi-year objectives. The application of the plan was authorised by the annual general meeting of shareholders, as it entails the delivery of shares to the beneficiaries.</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:130%">As indicated in section a.ii of this note, <ix:nonFraction unitRef="number" contextRef="c-408" decimals="2" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-1994">60</ix:nonFraction>% of the variable remuneration amount is deferred over <ix:nonNumeric contextRef="c-408" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-1995">five years</ix:nonNumeric> for executive directors, to be paid, where appropriate, provided that the conditions of permanence in the Group, according to the following accrual scheme: </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The accrual of the first and second parts (instalments in 2027 and 2028) is conditional on none of the malus clauses being triggered.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The accrual of the third, fourth and fifth parts (instalments in  2029, 2030 and 2031) is linked to non-concurrence of malus clauses and the fulfilment of certain objectives related to the 2025&#8209; 2027 period. These objectives and their respective weights are: </span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Banco Santander&#8217;s consolidated Return on tangible equity (RoTE) target in </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:130%">2027</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> (weight of <ix:nonFraction unitRef="number" contextRef="c-408" decimals="2" name="san:VariableRemunerationDeferredPaymentRoTEObjectiveWeight" scale="-2" id="f-1996">30</ix:nonFraction>%).</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Relative performance of Banco Santander's total shareholder return (TSR) in 2025-2027 in respect of the weighted TSR of a peer group comprising <ix:nonFraction unitRef="credit_institution" contextRef="c-408" decimals="INF" name="san:VariableRemunerationDeferredPaymentTSRObjectiveNumberOfPeerCreditInstitutions" scale="0" id="f-1997">9</ix:nonFraction> credit institutions, with the appropriate TSR ratio based on the group&#8217;s TSR among its peers (weight of <ix:nonFraction unitRef="number" contextRef="c-408" decimals="2" name="san:VariableRemunerationDeferredPaymentTSRObjectiveWeight" scale="-2" id="f-1998">50</ix:nonFraction>%). </span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"><ix:nonFraction unitRef="metric" contextRef="c-408" decimals="INF" name="san:VariableRemunerationDeferredPaymentSustainabilityObjectiveNumberOfMetrics" format="ixt-sec:numwordsen" scale="0" id="f-1999">Four</ix:nonFraction> sustainability metrics, which have different weighting (with a total weight of <ix:nonFraction unitRef="number" contextRef="c-408" decimals="2" name="san:VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight" scale="-2" id="f-2000">20</ix:nonFraction>%).</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:130%">The degree of compliance with the above objectives determines the&#160;percentage to be applied to the deferred amount in these <ix:nonFraction unitRef="annuity" contextRef="c-408" decimals="INF" name="san:VariableRemunerationDeferredPaymentNumberOfAnnuities" format="ixt-sec:numwordsen" scale="0" id="f-2001">three</ix:nonFraction> annuities, with a maximum achievement ratio of <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="san:VariableRemunerationMaximumAchievementRatio" scale="-2" id="f-2002">125</ix:nonFraction>%, so executives have the incentive to exceed their targets.</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:130%">Both the immediate payment and the <ix:nonFraction unitRef="payment" contextRef="c-607" decimals="INF" name="san:VariableRemunerationDeferredPaymentShortTermNumberOfDeferrals" format="ixt-sec:numwordsen" scale="0" id="f-2003">two</ix:nonFraction> first deferrals (short-term part) are paid <ix:nonFraction unitRef="number" contextRef="c-408" decimals="2" name="san:VariableRemunerationDeferredPaymentShortTermPercentagePaidInCash" scale="-2" id="f-2004">50</ix:nonFraction>% in cash and the remaining <ix:nonFraction unitRef="number" contextRef="c-408" decimals="2" name="san:VariableRemunerationDeferredPaymentShortTermPercentagePaidInShares" scale="-2" id="f-2005">50</ix:nonFraction>% in instruments. The last <ix:nonFraction unitRef="payment" contextRef="c-607" decimals="INF" name="san:VariableRemunerationDeferredPaymentLongTermNumberOfDeferrals" format="ixt-sec:numwordsen" scale="0" id="f-2006">three</ix:nonFraction> deferrals (conditioned to long-term metrics) are paid <ix:nonFraction unitRef="number" contextRef="c-408" decimals="2" name="san:VariableRemunerationDeferredPaymentLongTermPercentagePaidInCash" scale="-2" id="f-2007">25</ix:nonFraction>% in cash and <ix:nonFraction unitRef="number" contextRef="c-408" decimals="2" name="san:VariableRemunerationDeferredPaymentLongTermPercentagePaidInShares" scale="-2" id="f-2008">75</ix:nonFraction>% in instruments.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The accrual of deferred amounts (whether or not subject to performance measures) is conditioned, in addition to the permanence of the beneficiary in the Group, to non-occurrence, during the period prior to each of the deliveries, of any the circumstances giving rise to the application of malus as set out in the Group&#8217;s remuneration policy in its chapter related to malus and clawback. Likewise, the amounts already paid of the incentive will be subject to clawback by the Bank in the cases and during the term foreseen in said policy,  and in accordance with the terms and conditions foreseen in it.</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:130%">Malus and clawback clauses are triggered by poor financial performance of Banco Santander, a division or area, or exposures from staff as a result of an executive(s)&#8217;s management of, at least, one of these factors:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">i.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:9.97pt">Significant failures in risk management committed by the entity, or by a business unit or risk control.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:7.94pt">The increase suffered by the entity or by a business unit of its capital needs, not foreseen at the time of generation of the exposures.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">iii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.91pt">Regulatory sanctions or judicial sentences from events that could be attributable to the unit or the personnel responsible for those. Also, the breach of internal codes of conduct of the entity.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">iv.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.94pt">Irregular conduct, whether individual or collective. In this regard, the negative effects derived from the marketing of inappropriate products and the responsibilities of the people or bodies that made those decisions will be specially considered.</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:130%">In addition to the existing policy on malus and clawback clauses of our remuneration policy, the addendum to our remuneration policy entitled 'Financial Statement Restatement Compensation' regulates the recoupment of compensation received by the executive directors of Banco Santander, S.A., and senior management, in the event of a financial restatement (according to the regulation) resulting from material noncompliance with financial reporting requirements under US federal securities laws.</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:130%">The maximum amount of shares to be delivered under the plan is within the maximum amount of the award to be delivered in shares (EUR <ix:nonFraction unitRef="eur" contextRef="c-635" decimals="-5" name="san:ShareBasedCompensationArrangementMaximumAuthorizedAmount" scale="6" id="f-2009">11.5</ix:nonFraction>&#160;million) approved at the 2025 AGM for executive directors. At its meeting on 25 November 2025 and pursuant to the powers granted by shareholders at the 2025 AGM, the board agreed to amend the calculation period used to determine the number of shares to be delivered from <ix:nonFraction unitRef="trading_session" contextRef="c-636" decimals="INF" name="san:VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions" scale="0" id="f-2010">50</ix:nonFraction> to <ix:nonFraction unitRef="trading_session" contextRef="c-635" decimals="INF" name="san:VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions" scale="0" id="f-2011">30</ix:nonFraction> trading sessions (under no circumstances may the number of shares exceed the maximum approved at the AGM), as the board considered that this better reflects market practice and enables us to offset share price volatility. Thus, the number of shares to be delivered under the 2025 policy has been calculated with the weighted average daily volume of weighted average listing prices of Banco Santander shares in the <ix:nonFraction unitRef="trading_session" contextRef="c-637" decimals="INF" name="san:VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions" scale="0" id="f-2012">30</ix:nonFraction> trading sessions prior to the Friday (not inclusive) before 4 February 2025 (the date on which the board approved the 2025 bonus for executive directors), which was EUR <ix:nonFraction unitRef="eurPerShare" contextRef="c-638" decimals="3" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" scale="0" id="f-2013">10.261</ix:nonFraction> per share. According to an independent experts' valuation, the price per PagoNxt, S.L. RSU equals EUR <ix:nonFraction unitRef="eurPerShare" contextRef="c-639" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" scale="0" id="f-2014">61.07</ix:nonFraction>. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span><br/></span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">182</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-165"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1497-11" continuedAt="f-1497-12"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt"><span id="ibbe32d149d7a41f48c7daa6bff5dfed9"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii) Shares assigned by deferred variable remuneration plans</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:130%">The following table shows the number of Santander shares assigned to each director already in service and pending delivery as of 1 January 2024, 31 December 2024 and 31 December 2025, as well as the gross shares that were delivered to them in 2024 and 2025, either in the form of an immediate payment or a deferred payment. In this case after having been appraised by the board, at the proposal of the remuneration committee, that the corresponding one-fifth of each plan had accrued. They come from the deferred conditional and linked to multi-year objectives in 2019, 2020, 2021, 2022, 2023, 2024 and 2025 were formalized.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock" id="f-2015" continuedAt="f-2015-1" escape="true"><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:19.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.717%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Share-based variable remuneration</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Maximum number of shares to be delivered at January 1,2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2024 (immediate payment 2023 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2024 (deferred payment 2022 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2024 (deferred payment 2021 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2024 (deferred payment 2020 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2024 (deferred payment 2019 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Variable remuneration 2024 (Maximum number of shares to be delivered)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2019 variable remuneration</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="2" 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style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-642" decimals="0" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-2018">47,386</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="shares" contextRef="c-644" decimals="0" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-2020">118,290</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander 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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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">1.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt">For each director, <ix:nonFraction unitRef="number" contextRef="c-673" decimals="INF" name="san:VariableRemunerationImmediatePaymentPercentage" scale="-2" id="f-2049">40</ix:nonFraction>% of the shares indicated correspond to the short-term variable (or immediate payment). The remaining <ix:nonFraction unitRef="number" contextRef="c-673" decimals="INF" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-2050">60</ix:nonFraction>% is deferred for delivery, where appropriate, in the next <ix:nonNumeric contextRef="c-673" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-2051">five years</ix:nonNumeric>, the last <ix:nonFraction unitRef="payments" contextRef="c-673" decimals="INF" name="san:VariableRemunerationDeferredBonusNumberOfPaymentsSubjectToSpecificObjectives" format="ixt-sec:numwordsen" scale="0" id="f-2052">three</ix:nonFraction> being subject to the fulfilment of multiannual objectives. Maximum opportunity subject to regulatory ratio compliance.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span></div></ix:nonNumeric></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">183</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-166"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1497-12" continuedAt="f-1497-13"><ix:continuation id="f-2015-1"><div style="margin-bottom:18pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.688%"><tr><td style="width:1.0%"/><td style="width:8.944%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.944%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.944%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.944%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.944%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.944%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.944%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.544%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.944%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.904%"/><td style="width:0.1%"/></tr><tr 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.61pt;font-weight:700;line-height:105%;position:relative;top:-2.48pt;vertical-align:baseline">2</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2025 (immediate payment 2024 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2025 (deferred payment 2023 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2025 (deferred payment 2022 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2025 (deferred payment 2021 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2025 (deferred payment 2020 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2025 (deferred payment 2019 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Variable remuneration 2025 (Maximum number of shares to be delivered)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Maximum number of shares to be delivered at December 31, 2025</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 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solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="shares" contextRef="c-675" decimals="0" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2054">35,452</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="shares" contextRef="c-678" decimals="0" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-2057">59,145</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-682" decimals="0" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-2061">31,048</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-685" decimals="0" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="shares" contextRef="c-687" decimals="0" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2066">47,914</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="shares" contextRef="c-690" decimals="0" name="san:NumberOfSharesMaturedButNotConsolidatedInShareBasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-2069">44,774</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="shares" contextRef="c-691" decimals="0" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" 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solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="shares" contextRef="c-727" decimals="0" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-2111">1,010,904</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="shares" contextRef="c-727" decimals="0" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-2112">1,010,904</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">&#160;&#160;&#160;&#160;</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">2.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt">The levels of achievement of the multi-year metrics of the long-term variable remuneration plans:</span><span style="background-color:#ffff00;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">    1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline">) Seventh cycle of the deferred multi-year objectives variable remuneration plan (2022):</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> <ix:nonFraction unitRef="number" contextRef="c-728" decimals="3" name="san:VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage" scale="-2" id="f-2113">115.2</ix:nonFraction>% of achievement for the period 2022-2024.<br/>a. RoTE metric for 2024 year-end period at <ix:nonFraction unitRef="number" contextRef="c-728" decimals="2" name="san:VariableRemunerationDeferredPaymentRoTEObjectiveResult" scale="-2" id="f-2114">150</ix:nonFraction>%. Weight of <ix:nonFraction unitRef="number" contextRef="c-728" decimals="3" name="san:VariableRemunerationDeferredPaymentRoTEObjectiveWeight" scale="-2" id="f-2115">40.0</ix:nonFraction>%.<br/>b. Relative TSR metric in 2022-2024 period at <ix:nonFraction unitRef="number" contextRef="c-728" decimals="2" name="san:VariableRemunerationDeferredPaymentRelativeTSRMetricAchievementRate" scale="-2" id="f-2116">83</ix:nonFraction>% of achievement. Weight of <ix:nonFraction unitRef="number" contextRef="c-728" decimals="3" name="san:VariableRemunerationDeferredPaymentTSRObjectiveWeight" scale="-2" id="f-2117">40.0</ix:nonFraction>%.<br/>c. Sustainability metrics at <ix:nonFraction unitRef="number" contextRef="c-728" decimals="2" name="san:VariableRemunerationDeferredPaymentSustainabilityMetricAchievementRate" scale="-2" id="f-2118">25</ix:nonFraction>% of achievement. Weight of <ix:nonFraction unitRef="number" contextRef="c-728" decimals="3" name="san:VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight" scale="-2" id="f-2119">20.0</ix:nonFraction>%. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">    </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">    2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline">) Sixth cycle of the deferred multi-year objectives variable remuneration plan (2021)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">: <ix:nonFraction unitRef="number" contextRef="c-729" decimals="3" name="san:VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage" scale="-2" id="f-2120">91.6</ix:nonFraction>% of achievement for the period 2021-2023.<br/>a. CET1 metric at <ix:nonFraction unitRef="number" contextRef="c-729" decimals="2" name="san:VariableRemunerationDeferredPaymentCET1ObjectiveResult" scale="-2" id="f-2121">100</ix:nonFraction>% of achievement for 2023 year-end period (target <ix:nonFraction unitRef="number" contextRef="c-729" decimals="4" name="san:VariableRemunerationDeferredPaymentCET1ObjectiveTarget" scale="-2" id="f-2122">12.00</ix:nonFraction>%). Weight of <ix:nonFraction unitRef="number" contextRef="c-729" decimals="3" name="san:VariableRemunerationDeferredPaymentIndividualObjectivesWeight" scale="-2" id="f-2123">33.3</ix:nonFraction>%.<br/>b. Underlying BPA growth at <ix:nonFraction unitRef="number" contextRef="c-729" decimals="2" name="san:VariableRemunerationDeferredPaymentBPAGrowthResult" scale="-2" id="f-2124">150</ix:nonFraction>% of achievement (target growth of <ix:nonFraction unitRef="number" contextRef="c-729" decimals="2" name="san:VariableRemunerationDeferredPaymentBPAGrowthTarget" scale="-2" id="f-2125">100</ix:nonFraction>%). Weight of <ix:nonFraction unitRef="number" contextRef="c-729" decimals="3" name="san:VariableRemunerationDeferredPaymentIndividualObjectivesWeight" scale="-2" id="f-2126">33.3</ix:nonFraction>%.<br/>c. TSR metric at <ix:nonFraction unitRef="number" contextRef="c-729" decimals="2" name="san:VariableRemunerationDeferredPaymentTSRMinimumMetricResult" scale="-2" id="f-2127">25</ix:nonFraction>% of achievement (target of <ix:nonFraction unitRef="number" contextRef="c-729" decimals="2" name="san:VariableRemunerationDeferredPaymentTSRMinimumMetricTarget" scale="-2" id="f-2128">33</ix:nonFraction> to <ix:nonFraction unitRef="number" contextRef="c-729" decimals="2" name="san:VariableRemunerationDeferredPaymentTSRMaximumMetricTarget" scale="-2" id="f-2129">66</ix:nonFraction> percentile). Weight of <ix:nonFraction unitRef="number" contextRef="c-729" decimals="3" name="san:VariableRemunerationDeferredPaymentIndividualObjectivesWeight" scale="-2" id="f-2130">33.3</ix:nonFraction>%.<br/></span><span style="background-color:#ffff00;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"><br/></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline">) Fifth cycle of the deferred multi-year objectives variable remuneration plan (2020)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">: <ix:nonFraction unitRef="number" contextRef="c-730" decimals="3" name="san:VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage" scale="-2" id="f-2131">83.0</ix:nonFraction>% of achievement for the period 2020-2022.<br/>a. CET1 metric at <ix:nonFraction unitRef="number" contextRef="c-730" decimals="2" name="san:VariableRemunerationDeferredPaymentCET1ObjectiveResult" scale="-2" id="f-2132">100</ix:nonFraction>% of achievement for 2022 year-end period (target <ix:nonFraction unitRef="number" contextRef="c-730" decimals="4" name="san:VariableRemunerationDeferredPaymentCET1ObjectiveTarget" scale="-2" id="f-2133">12.00</ix:nonFraction>%). Weight of <ix:nonFraction unitRef="number" contextRef="c-730" decimals="3" name="san:VariableRemunerationDeferredPaymentIndividualObjectivesWeight" scale="-2" id="f-2134">33.3</ix:nonFraction>%.<br/>b. Underlying BPA growth at <ix:nonFraction unitRef="number" contextRef="c-730" decimals="2" name="san:VariableRemunerationDeferredPaymentBPAGrowthResult" scale="-2" id="f-2135">150</ix:nonFraction>% of achievement (target growth of <ix:nonFraction unitRef="number" contextRef="c-730" decimals="2" name="san:VariableRemunerationDeferredPaymentBPAGrowthTarget" scale="-2" id="f-2136">10</ix:nonFraction>%). Weight of <ix:nonFraction unitRef="number" contextRef="c-730" decimals="3" name="san:VariableRemunerationDeferredPaymentIndividualObjectivesWeight" scale="-2" id="f-2137">33.3</ix:nonFraction>%.<br/>c. TSR metric at <ix:nonFraction unitRef="number" contextRef="c-730" decimals="2" name="san:VariableRemunerationDeferredPaymentTSRMinimumMetricResult" scale="-2" id="f-2138">0</ix:nonFraction>% of achievement (minimum target of <ix:nonFraction unitRef="number" contextRef="c-730" decimals="2" name="san:VariableRemunerationDeferredPaymentTSRMinimumMetricTarget" scale="-2" id="f-2139">33</ix:nonFraction>% not reached). Weight of <ix:nonFraction unitRef="number" contextRef="c-730" decimals="3" name="san:VariableRemunerationDeferredPaymentIndividualObjectivesWeight" scale="-2" id="f-2140">33.3</ix:nonFraction>%</span></div></ix:continuation><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfCashPaidForVestedSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock" id="f-2141" continuedAt="f-2141-1" escape="true"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Furthermore, the maximum number of  RSUs of PagoNxt, S.L. to be delivered under the current plan (and subject to regulatory ratio compliance) is <ix:nonFraction unitRef="shares" contextRef="c-731" decimals="0" name="ifrs-full:NumberOfInstrumentsOtherEquityInstrumentsGranted" format="ixt:num-dot-decimal" scale="0" id="f-2142">9,415</ix:nonFraction> and <ix:nonFraction unitRef="shares" contextRef="c-732" decimals="0" name="ifrs-full:NumberOfInstrumentsOtherEquityInstrumentsGranted" format="ixt:num-dot-decimal" scale="0" id="f-2143">7,909</ix:nonFraction> units for Ana Bot&#237;n and H&#233;ctor Grisi, respectively.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div></ix:nonNumeric></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">184</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-167"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1497-13" continuedAt="f-1497-14"><ix:continuation id="f-2141-1"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, the table below shows the cash delivered in 2025 and 2024, by way of either immediate payment or deferred payment, in the latter case once the Board had determined, at the proposal of the remuneration committee, that one deferral relating to each plan had accrued:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:31.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.640%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.644%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td><td colspan="15" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash paid (immediate payment 2024 variable remuneration)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash paid (deferred payments from 2023, 2022, 2021 and 2020 variable remuneration)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash paid (immediate payment 2023 variable remuneration)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash paid (deferred payments from 2022, 2021, 2020 and 2019 variable remuneration)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-410" decimals="-3" name="san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-2144">1,851</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-410" decimals="-3" name="san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-2145">1,759</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-622" decimals="-3" name="san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-2146">1,780</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-622" decimals="-3" name="san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-2147">1,419</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">H&#233;ctor Grisi</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-419" decimals="-3" name="san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-2148">1,279</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-419" decimals="-3" name="san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration" scale="3" id="f-2149">366</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-623" decimals="-3" name="san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-2150">1,220</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-623" decimals="-3" name="san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration" scale="3" id="f-2151">863</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-428" decimals="-3" name="san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration" format="ixt:fixed-zero" scale="3" id="f-2152">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-428" decimals="-3" name="san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration" scale="3" id="f-2153">815</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-624" decimals="-3" name="san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration" format="ixt:fixed-zero" scale="3" id="f-2154">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-624" decimals="-3" name="san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration" scale="3" id="f-2155">945</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-368" decimals="-3" name="san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-2156">3,130</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-368" decimals="-3" name="san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-2157">2,940</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-369" decimals="-3" name="san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-2158">3,000</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-369" decimals="-3" name="san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-2159">3,228</ix:nonFraction></span></td></tr></table></div></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i2d9b142fe3ce4c0ba08ceefd4a143e6e"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii) Information on former members of the board of directors</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:130%">The chart below includes  information on the maximum number of shares to which former members of the board of directors, are entitled for their participation in the various deferred variable remuneration systems, which instrumented a portion of their variable remuneration relating to the years in which they were executive directors. <ix:nonNumeric contextRef="c-1" name="san:DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationMaximumNumberOfSharesToBeDeliveredAndActualNumberOfSharesDeliveredTableTextBlock" id="f-2160" continuedAt="f-2160-1" escape="true">Also set forth below is information on the deliveries, whether in shares or in cash, made in 2025 and 2024 to former board members, upon achievement of the conditions for the receipt thereof (see note 46):</ix:nonNumeric></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div></div><ix:continuation id="f-2160-1" continuedAt="f-2160-2"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:76.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.160%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Maximum number of shares to be delivered</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">2025</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2019)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-733" decimals="INF" name="san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" format="ixt:fixed-zero" scale="0" id="f-2161">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-734" decimals="INF" name="san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2162">24,490</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2020)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-735" decimals="INF" name="san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2163">35,511</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-736" decimals="INF" name="san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2164">71,024</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2021)</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-737" decimals="INF" name="san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2165">137,400</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-738" decimals="INF" name="san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2166">206,100</ix:nonFraction></span></td></tr></table></div><div style="margin-bottom:12pt;padding-left:9pt;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:76.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.160%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Number of shares delivered</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 7.75pt 0 1pt;text-indent:-7.09pt"><div style="margin-bottom:6pt;padding-right:6.75pt;text-align:justify;text-indent:-7.09pt"></div></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">2025</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2018)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-739" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:fixed-zero" scale="0" id="f-2167">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-740" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2168">29,860</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2019)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-741" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2169">24,490</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-742" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2170">24,490</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2020)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-743" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2171">35,512</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-744" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2172">35,512</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2021)</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-745" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2173">68,700</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-746" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2174">12,911</ix:nonFraction></span></td></tr></table></div></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, EUR <ix:nonFraction unitRef="eur" contextRef="c-747" decimals="-3" name="san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration" scale="3" id="f-2175">724</ix:nonFraction> thousand and EUR <ix:nonFraction unitRef="eur" contextRef="c-748" decimals="-3" name="san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration" scale="3" id="f-2176">650</ix:nonFraction>&#160;thousand relating to the deferred portion payable in cash of the aforementioned plans were paid each in 2025 and 2024. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">185</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-168"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1497-14" continuedAt="f-1497-15"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="id6858bb28e0f4fcd8030c61636c5fac3_26153"></span><span id="id6858bb28e0f4fcd8030c61636c5fac3_26400"></span><span id="id6858bb28e0f4fcd8030c61636c5fac3_26401"></span><span id="i35704fcb0bd14f0aa7b2ff9bfa44333c"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">f) Loans</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:130%">Grupo Santander&#8217;s direct risk exposure to the bank&#8217;s directors and the guarantees provided for them are detailed below. <ix:nonNumeric contextRef="c-1" name="ifrs-full:SummaryQuantitativeDataAboutEntitysExposureToRisk" id="f-2177" continuedAt="f-2177-1" escape="true">These transactions were made on terms equivalent to those that prevail in arm&#8217;s-length transactions or the related compensation in kind was recognized:</ix:nonNumeric></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><ix:continuation id="f-2177-1" continuedAt="f-2177-2"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:38.603%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.832%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and credits</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Guarantees</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and credits</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Guarantees</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-616" decimals="-3" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="3" id="f-2180">3</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-751" decimals="-3" 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scale="3" id="f-2284">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-621" decimals="-3" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="3" id="f-2285">143</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Ceased as director of Banco Santander, S.A. on 22 March 2024.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt">Director since 27 June 2024. </span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.7pt">Director since 27 June 2024.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5pt">Ceased as director of Banco Santander, S.A. on 27 June 2024 .</span></div></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;margin-top:9pt"><span id="i7eb636f7f29c459e95accae5f87295e2"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">g) Senior management</span></div><ix:continuation id="f-1565-2" continuedAt="f-1565-3"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%">The table below includes the amounts relating to the short-term remuneration of the members of senior management at 31 December 2025 and those at 31 December 2024, excluding the remuneration of the executive directors, which is detailed above.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><ix:continuation id="f-1565-3"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.985%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.603%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.237%"/><td style="width:0.1%"/></tr><tr><td colspan="33" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Short-term salaries and deferred remuneration</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Variable remuneration (bonus) - Immediate payment</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Deferred variable remuneration</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Year</span></td><td colspan="3" style="padding:2px 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:105%">Number&#160;of<br/>persons</span></td><td colspan="3" style="padding:2px 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:105%">Fixed</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">In cash</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">In instruments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">In cash</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">In instruments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="padding:2px 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:105%">Pensions</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other<br/>remuneration</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="people" contextRef="c-851" decimals="INF" name="ifrs-full:NumberOfEmployees" scale="0" id="f-2286">15</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-852" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed" format="ixt:num-dot-decimal" scale="3" id="f-2287">19,255</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-853" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation" format="ixt:num-dot-decimal" scale="3" id="f-2288">9,179</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-853" decimals="-3" name="san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments" format="ixt:num-dot-decimal" scale="3" id="f-2289">9,180</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-854" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation" format="ixt:num-dot-decimal" scale="3" id="f-2290">4,306</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-854" decimals="-3" name="san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments" format="ixt:num-dot-decimal" scale="3" id="f-2291">4,306</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-852" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits" format="ixt:num-dot-decimal" scale="3" id="f-2292">4,910</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-852" decimals="-3" name="san:KeyManagementPersonnelCompensationOtherEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-2293">6,456</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-852" decimals="-3" name="san:KeyManagementPersonnelCompensationEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-2294">57,592</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="people" contextRef="c-855" decimals="INF" name="ifrs-full:NumberOfEmployees" scale="0" id="f-2295">14</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-856" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed" format="ixt:num-dot-decimal" scale="3" id="f-2296">16,466</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-857" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation" format="ixt:num-dot-decimal" scale="3" id="f-2297">7,376</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-857" decimals="-3" name="san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments" format="ixt:num-dot-decimal" scale="3" id="f-2298">7,377</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-858" decimals="-3" name="san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation" format="ixt:num-dot-decimal" scale="3" id="f-2299">3,319</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-858" decimals="-3" name="san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments" format="ixt:num-dot-decimal" scale="3" id="f-2300">3,320</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-856" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits" format="ixt:num-dot-decimal" scale="3" id="f-2301">4,520</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-856" decimals="-3" name="san:KeyManagementPersonnelCompensationOtherEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-2302">7,153</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-856" decimals="-3" name="san:KeyManagementPersonnelCompensationEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-2303">49,531</ix:nonFraction></span></td></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">1.Includes other remuneration items such as life and medical insurance premiums and localization aids and lastly RSUs from PagoNxt S.L., for the work of one director in said entity.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">2.&#160;&#160;&#160;&#160;The amount of immediate payment for 2024 is <ix:nonFraction unitRef="shares" contextRef="c-852" decimals="0" name="ifrs-full:NumberOfInstrumentsGrantedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-2304">894,587</ix:nonFraction> shares (<ix:nonFraction unitRef="shares" contextRef="c-856" decimals="0" name="ifrs-full:NumberOfInstrumentsGrantedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-2305">1,611,965</ix:nonFraction>  Santander shares in 2024).</span></div><div style="margin-bottom:18pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">3.&#160;&#160;&#160;&#160;The deferred amount in instruments not linked to long-term objectives for 2024 is <ix:nonFraction unitRef="shares" contextRef="c-852" decimals="0" name="san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationNotLinkedToLongTermObjectivesShares" format="ixt:num-dot-decimal" scale="0" id="f-2306">416,410</ix:nonFraction>  shares ( <ix:nonFraction unitRef="shares" contextRef="c-856" decimals="0" name="san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationNotLinkedToLongTermObjectivesShares" format="ixt:num-dot-decimal" scale="0" id="f-2307">725,399</ix:nonFraction> Santander shares in 2024).</span></div></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition to the amounts reflected in the table, salary remunerations amounting to EUR <ix:nonFraction unitRef="eur" contextRef="c-852" decimals="-3" name="san:KeyManagementPersonnelCompensationBuyoutsAndSignOnAwards" format="ixt:num-dot-decimal" scale="3" id="f-2308">4,118</ix:nonFraction> thousand were granted in the form of buyouts and sign-on awards, related to the recruitment of new members who joined this employee group during the year.</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:130%">In 2025, the ratio of variable to fixed pay components was <ix:nonFraction unitRef="number" contextRef="c-852" decimals="2" name="san:RatioOfVariableToFixedPayComponents" scale="-2" id="f-2309">134</ix:nonFraction>% of the total for senior managers, well within the maximum limit of <ix:nonFraction unitRef="number" contextRef="c-859" decimals="INF" name="san:RatioOfVariableToFixedPayComponents" scale="-2" id="f-2310">200</ix:nonFraction>% set by 2024 AGM.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">186</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-169"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1497-15" continuedAt="f-1497-16"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Also, the detail of the breakdown of the remuneration linked to long-term objectives of the members of senior management at 31 December 2025 and 31 December 2024 is provided below. <ix:continuation id="f-1928-1" continuedAt="f-1928-2">These remuneration payments shall be received, as the case may be, in the corresponding deferral periods, upon achievement of the conditions stipulated for each payment (see note&#160;46):</ix:continuation></span></div><ix:continuation id="f-1928-2"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:17.109%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.109%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.653%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.504%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.125%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Variable remuneration subject to long-term objectives</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Year</span></td><td colspan="3" style="padding:2px 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:105%">Number&#160;of&#160;people</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash&#160;<br/>payment</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Instrument</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">payment</span></div></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="employee" contextRef="c-860" decimals="INF" name="ifrs-full:NumberOfEmployees" scale="0" id="f-2311">15</ix:nonFraction></span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-861" decimals="-3" name="san:KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-2312">4,521</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-861" decimals="-3" name="san:KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-2313">4,522</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-861" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationOtherLongtermBenefits" format="ixt:num-dot-decimal" scale="3" id="f-2314">9,043</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="employee" contextRef="c-862" decimals="INF" name="ifrs-full:NumberOfEmployees" scale="0" id="f-2315">14</ix:nonFraction></span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-863" decimals="-3" name="san:KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-2316">3,485</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-863" decimals="-3" name="san:KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-2317">3,486</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-863" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationOtherLongtermBenefits" format="ixt:num-dot-decimal" scale="3" id="f-2318">6,971</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">1.&#160;&#160;&#160;&#160;Relates to the fair value of the maximum annual amounts for years 2029, 2030 and 2031 of the tenth cycle of the deferred conditional variable remuneration plan (2028, 2029 and 2030 for the ninth cycle of the deferred variable compensation plan linked to annual objectives for the year 2024). The face value of the <ix:nonFraction unitRef="variable_remuneration" contextRef="c-860" decimals="INF" name="san:KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration" format="ixt-sec:numwordsen" scale="0" id="f-2319">three</ix:nonFraction> aforementioned deferred amounts is EUR <ix:nonFraction unitRef="eur" contextRef="c-861" decimals="-3" name="san:KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration" format="ixt:num-dot-decimal" scale="3" id="f-2320">12,919</ix:nonFraction>&#160;thousand for 2025.</span></div></ix:continuation><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Additionally, members of senior management who stepped down from their roles in 2025 consolidated salary remuneration and other remuneration for a total amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-864" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationTerminationBenefits" format="ixt:num-dot-decimal" scale="3" id="f-2321">2,905</ix:nonFraction> thousand (EUR <ix:nonFraction unitRef="eur" contextRef="c-865" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationTerminationBenefits" format="ixt:num-dot-decimal" scale="3" id="f-2322">12,303</ix:nonFraction>&#160;thousand in 2024). In 2025 rights regarding variable</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:130%">pay subject to long-term objectives amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-864" decimals="-3" name="san:KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits" scale="3" id="f-2323">342</ix:nonFraction> thousand (EUR <ix:nonFraction unitRef="eur" contextRef="c-865" decimals="-3" name="san:KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits" scale="3" id="f-2324">633</ix:nonFraction> thousand were generated in 2024 for this collective). </span></div><ix:continuation id="f-2160-2" continuedAt="f-2160-3"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The maximum number of Santander shares that the members of senior management at each plan grant date (excluding executive directors) were entitled to receive as of 31 December 2025 and 31 December 2024 relating to the deferred portion under the various plans then in force is the following (see note&#160;46):</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:63.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.494%"/><td style="width:0.1%"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Maximum number of shares to be delivered</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2019) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-866" decimals="INF" name="san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" format="ixt:fixed-zero" scale="0" id="f-2325">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-867" decimals="INF" name="san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2326">71,294</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2020)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-868" decimals="INF" name="san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2327">145,704</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-869" decimals="INF" name="san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2328">370,522</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2021)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-870" decimals="INF" name="san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2329">486,863</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-871" decimals="INF" name="san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2330">966,680</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2022)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-872" decimals="INF" name="san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2331">891,305</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-873" decimals="INF" name="san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2332">1,430,464</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2023)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-874" decimals="INF" name="san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2333">934,609</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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#9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-876" decimals="INF" name="san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2335">1,601,213</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-877" decimals="INF" name="san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" format="ixt:fixed-zero" scale="0" id="f-2336">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></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:130%">Since the conditions established in the corresponding deferred share-based remuneration schemes for prior years had been met, the following number of Santander shares was delivered in 2025 and 2024 to the senior management, in addition to the payment of the related cash amounts:</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation 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id="f-2337">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-879" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2338">57,730</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2019) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-866" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2339">54,249</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-867" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2340">71,294</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2020) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-868" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2341">145,704</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-869" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2342">185,261</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2021) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-870" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2343">243,433</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-871" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2344">351,777</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2022) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-872" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2345">266,390</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-873" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2346">357,615</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2023) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-874" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2347">233,652</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-875" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2348">1,212,984</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2024) </span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-876" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:num-dot-decimal" scale="0" id="f-2349">1,399,679</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-877" decimals="INF" name="san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" format="ixt:fixed-zero" scale="0" id="f-2350">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As indicated in note 5.c above, senior management participate in the benefit system created in 2012, which covers the contingencies of retirement, disability and death. Banco Santander makes annual contributions to the benefit plans of its senior managers. In 2012, the contracts of the senior managers with benefit pension commitments were amended to transform them into a contribution system. The system, which is outsourced to Santander Seguros y Reaseguros, Compa&#241;&#237;a Aseguradora, S.A., gives senior managers the right to receive benefits upon retirement, regardless of whether or not they are active at Banco Santander at such time, based on contributions to the system. This new system replaced their previous right to receive a pension supplement in the event of retirement. In the event of pre-retirement, and up to the retirement date, senior managers appointed prior to September 2015 are entitled to receive an annual allowance.</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:130%">In addition, further to applicable remuneration regulations, from 2016 (inclusive), a discretionary pension benefit component of at least <ix:nonFraction unitRef="number" contextRef="c-880" decimals="INF" name="san:DiscretionaryPensionBenefitComponentPercentage" scale="-2" id="f-2351">15</ix:nonFraction>% of total remuneration  in contributions to the pension system has been included. Under the regime corresponding to these discretionary benefits, the contributions that are calculated on variable remunerations are subject to malus and clawback clauses, subject to policies applicable at each time, and during the same period in which the variable remuneration is deferred.</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:130%">Likewise, the annual contributions calculated on variable remunerations must be invested in Bank shares for a period of <ix:nonNumeric contextRef="c-852" name="san:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAssetHoldingPeriod" format="ixt-sec:durwordsen" id="f-2352">five years</ix:nonNumeric> from the date that the senior manager leaves the Group, regardless of whether or not they leave to retire. Once that period has elapsed, the amount invested in shares will be reinvested, along with the remainder of the cumulative balance corresponding to the senior manager, or it will be paid to the senior manager or to their beneficiaries in the event of a contingency covered by the benefits system.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">187</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-170"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1497-16"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The contracts of some members of senior management were modified at the beginning of 2018 with the same objective and changes indicated in section c of this note for Ana Bot&#237;n. The modifications, which are aimed at aligning the annual contributions with the practices of comparable institutions and reducing the risk of future obligations by eliminating the supplementary scheme for death (widowhood and orphanhood) and permanent disability in service without increasing the costs to the bank, are as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Contributions to the pensionable bases were reduced. Gross annual salaries were increased in the corresponding amount.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The death and disability supplementary benefits were eliminated since 1 January 2018 for some members of senior management and since 1 April 2018 for executive directors. A fixed remuneration supplement reflected in other remuneration in the table above was implemented on the same date.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The amounts insured for life and accident insurance were increased.</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:130%">All of the above was done without an increase in total cost for the Bank.</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:130%">The balance as of 31 December 2025 in the pension system for those who were part of senior management at year end amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-851" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="f-2353">51</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-855" decimals="-6" name="ifrs-full:AssetsOfBenefitPlan" scale="6" id="f-2354">51</ix:nonFraction>&#160;million at 31 December 2024).</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:130%">The net charge to income corresponding to pension amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-852" decimals="-5" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="f-2355">4.9</ix:nonFraction>&#160;million  in 2025 (EUR <ix:nonFraction unitRef="eur" contextRef="c-856" decimals="-5" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="f-2356">4.5</ix:nonFraction>&#160;million in 31 December 2024).</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:130%">In 2025 and 2024 there have been <ix:nonFraction unitRef="eur" contextRef="c-864" decimals="-5" name="ifrs-full:BenefitsPaidOrPayable" format="ixt:fixed-zero" scale="0" id="f-2357"><ix:nonFraction unitRef="eur" contextRef="c-865" decimals="-5" name="ifrs-full:BenefitsPaidOrPayable" format="ixt:fixed-zero" scale="0" id="f-2358">no</ix:nonFraction></ix:nonFraction> payments in the form of a single payment of the annual voluntary pre-retirement allowance.</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:130%">Additionally, the capital insured by life and accident insurance at 31 December 2025 of this group amounts to EUR <ix:nonFraction unitRef="eur" contextRef="c-852" decimals="-6" name="san:LifeAndAccidentInsuranceCoverageLimit" scale="6" id="f-2359">78</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-856" decimals="-5" name="san:LifeAndAccidentInsuranceCoverageLimit" scale="6" id="f-2360">83</ix:nonFraction>&#160;million at 31 December 2024).</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i5eff45286f704bad8b11359cd1182180"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">h) Post-employment benefits to former directors and former senior executive vice presidents</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:130%">The post-employment benefits and settlements paid in 2025 to former directors of the Bank, other than those detailed in note&#160;5.c amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-881" decimals="-5" name="ifrs-full:BenefitsPaidOrPayable" scale="6" id="f-2361">5.6</ix:nonFraction>&#160;million and EUR <ix:nonFraction unitRef="eur" contextRef="c-882" decimals="-5" name="ifrs-full:BenefitsPaidOrPayable" scale="6" id="f-2362">5.6</ix:nonFraction>&#160;million in 2024, respectively. Also, the post-employment benefits and settlements paid in 2025 to former executive vice presidents amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-883" decimals="-5" name="ifrs-full:BenefitsPaidOrPayable" scale="6" id="f-2363">16</ix:nonFraction>&#160;million  and EUR <ix:nonFraction unitRef="eur" contextRef="c-884" decimals="-5" name="ifrs-full:BenefitsPaidOrPayable" scale="6" id="f-2364">12.7</ix:nonFraction>&#160;million  in 2024, respectively.</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:130%">Contributions to insurance policies that hedge pensions to previous members of the Bank&#8217;s board of directors, amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-881" decimals="-4" name="san:PostEmploymentBenefitExpenseContributionToInsurancePolicies" scale="6" id="f-2365">0.17</ix:nonFraction>&#160;million in 2025 (EUR <ix:nonFraction unitRef="eur" contextRef="c-882" decimals="-4" name="san:PostEmploymentBenefitExpenseContributionToInsurancePolicies" scale="6" id="f-2366">0.17</ix:nonFraction>&#160;million in 2024). Likewise, contributions to insurance policies that hedge pensions for previous senior managers amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-885" decimals="-5" name="san:PostEmploymentBenefitExpenseContributionToInsurancePolicies" scale="6" id="f-2367">1.3</ix:nonFraction>&#160;million in 2025 (EUR <ix:nonFraction unitRef="eur" contextRef="c-886" decimals="-5" name="san:PostEmploymentBenefitExpenseContributionToInsurancePolicies" scale="6" id="f-2368">2.3</ix:nonFraction>&#160;million in 2024).</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:130%">No releases or charges were recorded in the consolidated income statement for pension commitments and similar obligations held by the Group with previous former members of the bank's board of directors or former members of senior management in 2025 and 2024.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, 'Provisions&#160;- Pension Fund and similar obligations' in the consolidated balance sheet as at 31 December 2025 included EUR <ix:nonFraction unitRef="eur" contextRef="c-887" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-2369">43</ix:nonFraction>&#160;million in respect of the post-employment benefit obligations to former Directors of the Bank (EUR <ix:nonFraction unitRef="eur" contextRef="c-888" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-2370">46</ix:nonFraction>&#160;million at 31 December 2024) and EUR <ix:nonFraction unitRef="eur" contextRef="c-889" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-2371">108</ix:nonFraction>&#160;million corresponding to former members of senior management (EUR <ix:nonFraction unitRef="eur" contextRef="c-890" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-2372">96</ix:nonFraction>&#160;million at 31 December 2024).</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i98f70407a972422a9f4a076cc534c1ad"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">i) Pre-retirement and retirement</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:130%">The board of directors approved an amendment to the contracts of executive directors whereby they ceased to have the right to pre-retire in case of termination of his contract.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="ifd105e0ed6eb43eab70122226f576e95"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">j) Contract termination</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:130%">The executive directors and members of senior management have indefinite-term employment contracts. Executive directors or senior managers whose contracts are terminated voluntarily or due to breach of duties are not entitled to receive any economic compensation. If Banco Santander terminates the contract for any other reason, they will be entitled to the corresponding legally-stipulated termination benefit, without prejudice to any compensation that may  for non-competition obligations, as detailed in the directors' remuneration policy. </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:130%">If Banco Santander were to terminate her contract, Ana Bot&#237;n would have to remain at Banco Santander&#8217;s disposal for a period of <ix:nonNumeric contextRef="c-891" name="san:ContractTerminationNoticePeriod" format="ixt-sec:durmonth" id="f-2373">4</ix:nonNumeric> months in order to ensure an adequate transition, and would receive her fixed salary during that period.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i31e5ac1f73364b8bab320ddd5a07b6a5"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">k) Information on investments held by the directors in other companies and conflicts of interest</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:130%">None of the members of the board of directors have declared that they or persons related to them may have a direct or indirect conflict of interest with the interests of Banco Santander, S.A., as set forth in article 229 of the Corporate Enterprises Act.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">188</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_922"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-171"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:6pt;margin-top:24pt;padding-right:263.62pt"><span id="i3431af5d9d484fb1a90bb80e290743e7"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">6. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory" id="f-2374" continuedAt="f-2374-1" escape="true">Loans and advances to central banks and credit institutions</ix:nonNumeric></span></div><ix:continuation id="f-2374-1"><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfDetailedInformationAboutLoansAndAdvancesToBanksTableTextBlock" id="f-2375" escape="true"><div style="margin-bottom:3pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by classification, type and currency, of Loans and advances to central banks and credit institutions in the consolidated balance sheets is as follows:</span></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:61.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.346%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">CENTRAL BANKS</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Classification</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets held for trading</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-17" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-2376">14,632</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-18" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-2377">12,966</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-19" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-2378">17,717</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non-trading financial assets mandatorily at<br/>fair value through profit or loss</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-17" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:fixed-zero" scale="6" id="f-2379">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-18" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:fixed-zero" scale="6" id="f-2380">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-19" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:fixed-zero" scale="6" id="f-2381">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-17" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-2382">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-18" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-2383">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-19" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-2384">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets designated at fair value<br/>through other comprehensive income</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-17" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-2385">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-18" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-2386">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-19" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-2387">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets at amortised cost</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-17" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-2388">15,986</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-18" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-2389">16,179</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-19" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-2390">20,082</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-17" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2391">30,618</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-18" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2392">29,145</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-19" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2393">37,799</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Type</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Time deposits</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-892" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2394">15,986</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-893" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2395">16,179</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-894" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2396">17,747</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Reverse repurchase agreements</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-895" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2397">14,632</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-896" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2398">12,966</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-897" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2399">20,052</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Impaired assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-898" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:fixed-zero" scale="6" id="f-2400">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-899" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:fixed-zero" scale="6" id="f-2401">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-900" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:fixed-zero" scale="6" id="f-2402">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Valuation adjustments for impairment</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-901" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:fixed-zero" scale="6" id="f-2403">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-902" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:fixed-zero" scale="6" id="f-2404">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-903" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:fixed-zero" scale="6" id="f-2405">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-17" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2406">30,618</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-18" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2407">29,145</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-19" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2408">37,799</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">CREDIT INSTITUTIONS</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Classification</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets held for trading</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-2409">25,967</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-2410">27,314</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-2411">14,061</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non-trading financial assets mandatorily at<br/>fair value through profit or loss</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:fixed-zero" scale="6" id="f-2412">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:fixed-zero" scale="6" id="f-2413">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:fixed-zero" scale="6" id="f-2414">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-2415">413</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-2416">408</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-2417">459</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets designated at fair value<br/>through other comprehensive income</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-2418">1,120</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-2419">363</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-2420">313</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets at amortised cost</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-2421">61,513</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-2422">55,537</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-2423">57,917</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2424">89,013</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2425">83,622</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2426">72,750</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Type</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Time deposits</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-904" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2427">10,665</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-905" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2428">9,036</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-906" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2429">8,560</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Reverse repurchase agreements</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-907" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2430">52,365</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-908" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2431">48,932</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-909" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2432">35,846</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non- loans advances</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-910" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2433">25,987</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-911" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2434">25,659</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-912" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2435">28,353</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Impaired assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-913" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:fixed-zero" scale="6" id="f-2436">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-914" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:fixed-zero" scale="6" id="f-2437">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-915" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:fixed-zero" scale="6" id="f-2438">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Valuation adjustments for impairment</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-916" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2439">4</ix:nonFraction>)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-917" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2440">5</ix:nonFraction>)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-918" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2441">9</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2442">89,013</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2443">83,622</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2444">72,750</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">CURRENCY</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Euro</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-919" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2445">43,697</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-920" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2446">43,347</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-921" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2447">34,229</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Pound sterling</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-922" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2448">5,147</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-923" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2449">2,424</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-924" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2450">3,539</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">US dollar</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-925" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2451">23,320</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-926" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2452">22,539</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-927" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2453">17,602</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Brazilian real</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-928" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2454">43,577</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-929" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2455">39,379</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-930" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2456">47,151</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other currencies</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-931" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2457">3,890</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-932" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2458">5,078</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-933" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2459">8,028</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-934" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2460">119,631</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-935" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2461">112,767</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-936" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2462">110,549</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The loans and advances to credit institutions classified under 'Financial assets at amortised' cost are mainly time accounts and deposits.</span></div><div style="margin-bottom:5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Note 51 contains a detail of their residual maturity periods.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This line item also includes irrevocable payment commitments to the Single Resolution Fund made in accordance with article 70.3 of Regulation 806/2014, which establishes uniform rules and a uniform procedure for the resolution of credit institutions and certain security service companies. investment within the framework of a Single Resolution Mechanism and a Single Resolution Fund, for which, in accordance with the standard, no provision has been recorded, these commitments have not been significant regarding the consolidated annual accounts.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025 the gross exposure by impairment stage of the assets accounted subject to impairment for amounts to EUR <ix:nonFraction unitRef="eur" contextRef="c-937" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2463">78,623</ix:nonFraction> million, EUR <ix:nonFraction unitRef="eur" contextRef="c-938" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2464">0</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-939" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2465">0</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-940" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2466">72,084</ix:nonFraction>, EUR <ix:nonFraction unitRef="eur" contextRef="c-941" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2467">0</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-942" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2468">0</ix:nonFraction> million in 2024 and EUR <ix:nonFraction unitRef="eur" contextRef="c-943" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2469">78,321</ix:nonFraction> million, EUR <ix:nonFraction unitRef="eur" contextRef="c-944" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2470">0</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-945" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2471">0</ix:nonFraction> million in 2023), and the loan loss provision by impairment stage amounts to EUR <ix:nonFraction unitRef="eur" contextRef="c-946" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2472">4</ix:nonFraction> million, EUR <ix:nonFraction unitRef="eur" contextRef="c-947" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2473">0</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-948" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2474">0</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-949" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2475">5</ix:nonFraction> million, EUR <ix:nonFraction unitRef="eur" contextRef="c-950" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2476">0</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-951" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2477">0</ix:nonFraction> million in 2024 and EUR <ix:nonFraction unitRef="eur" contextRef="c-952" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2478">9</ix:nonFraction> million, EUR <ix:nonFraction unitRef="eur" contextRef="c-953" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2479">0</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-954" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2480">0</ix:nonFraction> million in 2023) in stage 1, stage 2 and stage 3, respectively.</span></div><div><span><br/></span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">189</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_925"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-172"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-top:24pt;padding-right:263.62pt"><span id="ie0e06605db814f6f9f921231d15d104e"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">7. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDebtSecuritiesExplanatory" id="f-2481" continuedAt="f-2481-1" escape="true">Debt securities</ix:nonNumeric></span></div><ix:continuation id="f-2481-1" continuedAt="f-2481-2"><div style="margin-bottom:6pt;margin-top:9pt;padding-right:263.62pt"><span id="iacfd8e78ba044ec4a7fcbca321e7d2d7"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Detail</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfDetailedInformationAboutDebtInstrumentsExplanatoryTableTextBlock" id="f-2482" escape="true"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by classification, type and currency, of Debt securities in the consolidated balance sheets is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:62.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="9" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Classification</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-11" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-2483">98,568</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-12" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-2484">82,646</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-2485">62,124</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-11" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="f-2486">245</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-12" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="f-2487">447</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The increase in the year of the debt securities portfolio under the heading  'Financial assets at fair value with changes in other comprehensive income' is mainly due to the increase in exposure to sovereign debt, as a result of greater activity in the markets business, both its own and for distribution to clients.</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:130%">Likewise, the increase in the debt securities portfolio under the heading 'Financial assets at amortized cost' is due to the continuation of the strategy started in year 2022 in which two new business models were created for the optimization of excess liquidity and the management of the maturity of the balance sheet credit and deposit portfolios.</span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander 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style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, at 31 December 2025, the Group had EUR <ix:nonFraction unitRef="eur" contextRef="c-1000" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2555">8</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-1001" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2556">44</ix:nonFraction>&#160;million at 31 December 2024) of exposure in assets purchased with impairments, which correspond mainly to the business combinations carried out by the Group with any additional impairment signs.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">190</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-173"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-2481-2" continuedAt="f-2481-3"><div style="margin-bottom:6pt;margin-top:15pt;padding-right:263.62pt"><span id="i7b097a174c45444ca392f2f0c69bfd3e"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Breakdown</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfDebtInstrumentsByOriginOfIssuerTableTextBlock" id="f-2557" escape="true"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The breakdown, by origin of the issuer, of debt securities at 31 December 2025, 2024 and 2023, net of impairment losses, is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:15.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.974%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.566%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.572%"/><td style="width:0.1%"/></tr><tr><td colspan="45" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Private fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Public fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Private fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Public fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Private fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Public fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1002" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2558">2,528</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1003" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2559">63,742</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1004" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2560">66,270</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-1004" decimals="4" name="san:FinancialAssetsPercentage" scale="-2" id="f-2561">22.09</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1007" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2564">58,820</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-1007" decimals="4" name="san:FinancialAssetsPercentage" scale="-2" id="f-2565">20.75</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1008" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2566">2,525</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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id="f-2573">3.85</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1014" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2574">3,077</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-1016" decimals="4" name="san:FinancialAssetsPercentage" scale="-2" id="f-2577">4.58</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1017" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2578">2,816</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1018" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2579">4,748</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-1034" decimals="4" name="san:FinancialAssetsPercentage" scale="-2" id="f-2601">9.18</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1035" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2602">2,968</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1036" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2603">12,945</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1037" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2604">15,913</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-1037" decimals="4" name="san:FinancialAssetsPercentage" scale="-2" id="f-2605">6.54</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ireland</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1038" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2606">4,239</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1039" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2607">42</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1040" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2608">4,281</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-1040" decimals="4" name="san:FinancialAssetsPercentage" scale="-2" id="f-2609">1.43</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1041" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2610">4,557</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1042" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2611">14</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1043" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2612">4,571</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-1043" decimals="4" name="san:FinancialAssetsPercentage" scale="-2" id="f-2613">1.61</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1044" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2614">5,632</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1045" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2615">11</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1050" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2622">2,472</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1051" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2623">15,224</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1053" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2626">2,937</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1054" 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unitRef="eur" contextRef="c-1056" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2630">12,682</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1057" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2631">25,894</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1059" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2634">11,593</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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id="f-2638">9,797</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1063" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2639">15,495</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1064" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2640">25,292</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-1064" decimals="4" name="san:FinancialAssetsPercentage" scale="-2" id="f-2641">10.40</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">United States</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1065" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2642">14,941</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1066" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2643">29,199</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1067" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2644">44,140</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-1067" decimals="4" name="san:FinancialAssetsPercentage" scale="-2" id="f-2645">14.71</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1068" decimals="-6" name="ifrs-full:FinancialAssets" 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style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1085" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2668">28,114</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-1085" decimals="4" name="san:FinancialAssetsPercentage" scale="-2" id="f-2669">9.37</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1086" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2670">2,190</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1087" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2671">20,822</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1088" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2672">23,012</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 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id="f-2674">1,969</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1090" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2675">20,738</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1091" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2676">22,707</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-1091" decimals="4" name="san:FinancialAssetsPercentage" scale="-2" id="f-2677">9.34</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span 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name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2679">8,567</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1094" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2680">8,704</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1096" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2683">6,982</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1097" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" 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format="ixt:num-dot-decimal" scale="6" id="f-2724">243,203</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-4" decimals="2" name="san:FinancialAssetsPercentage" scale="-2" id="f-2725">100</ix:nonFraction></span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr></table></div></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfDebtInstrumentsByIssuerRatingTableTextBlock" id="f-2726" escape="true"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by issuer rating, of Debt securities at 31 December 2025, 2024 and 2023 is as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:12.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.159%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.270%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.277%"/><td style="width:0.1%"/></tr><tr><td colspan="45" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Private fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Public fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Private fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Public fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" 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id="f-2749">51,846</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-1142" decimals="4" name="san:FinancialAssetsPercentage" scale="-2" id="f-2750">21.32</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2752">95,537</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1145" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2753">108,743</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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id="f-2755">10,056</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1147" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2756">87,814</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1148" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2757">97,870</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-1148" decimals="4" name="san:FinancialAssetsPercentage" scale="-2" id="f-2758">34.53</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1149" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2759">11,175</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1150" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2760">68,112</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1151" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2761">79,287</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-1151" decimals="4" name="san:FinancialAssetsPercentage" scale="-2" id="f-2762">32.60</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">BBB</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1152" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2763">6,872</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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format="ixt:num-dot-decimal" scale="6" id="f-2765">56,938</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-1154" decimals="4" name="san:FinancialAssetsPercentage" scale="-2" id="f-2766">18.98</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1155" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2767">8,900</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1156" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2768">44,483</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-1160" decimals="4" name="san:FinancialAssetsPercentage" scale="-2" id="f-2774">19.29</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Below BBB</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1163" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2777">43,888</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-1163" decimals="4" name="san:FinancialAssetsPercentage" scale="-2" id="f-2778">14.63</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1164" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2779">5,543</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-1166" decimals="4" name="san:FinancialAssetsPercentage" scale="-2" id="f-2782">14.54</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1167" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2783">4,654</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1168" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2784">34,177</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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unitRef="eur" contextRef="c-1121" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2803">61,831</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1122" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2804">221,666</ix:nonFraction></span><span style="color:#000000;font-family:'Santander 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#ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-12" decimals="2" name="san:FinancialAssetsPercentage" scale="-2" id="f-2806">100</ix:nonFraction></span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1123" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2807">57,150</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1124" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2808">186,053</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-13" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2809">243,203</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-13" decimals="2" name="san:FinancialAssetsPercentage" scale="-2" id="f-2810">100</ix:nonFraction></span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr></table></div></ix:nonNumeric><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">During 2025, France's rating for sovereign issuances has been modified from AA- to A+. During 2024, Portugal's rating for sovereign issuances was modified from BBB+ to A-. For the year 2023, the distribution of the exposure by rating level of the previous table was not affected by ratings reviews of the sovereign issuers.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">191</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-174"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-2481-3"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDetailedInformationAboutFinancialInstrumentsExplanatory" id="f-2811" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by type of financial instrument, of private fixed-income securities at 31 December 2025, 2024 and 2023, net of impairment losses, 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:99.782%"><tr><td style="width:1.0%"/><td style="width:49.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.259%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span 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colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Floating rate debt</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1185" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2818">18,721</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1189" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2822">22,175</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1190" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2823">22,221</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1119" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2824">63,816</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1121" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2825">61,831</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1123" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2826">57,150</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="margin-bottom:6pt;margin-top:6pt"><span id="i5eb4ab1e62f44c1aad4ab19af53a9f2b"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Impairment losses</span></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory" id="f-2827" continuedAt="f-2827-1" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in the impairment losses on debt securities are summarised below:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:53.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.025%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at beginning of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1191" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2828">349</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1192" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2829">286</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1193" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2830">226</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Net impairment losses for the&#160;year</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1194" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-2831">182</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1195" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-2832">226</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1196" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-2833">24</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" 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scale="6" id="f-2839">12</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Assets written off</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1194" decimals="-6" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" format="ixt:fixed-zero" scale="6" id="f-2840">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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name="ifrs-full:FinancialAssets" scale="6" id="f-2848">286</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">By geographical location of risk:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;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:105%">European Union</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1198" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2849">26</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1199" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2850">23</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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unitRef="eur" contextRef="c-1201" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2852">494</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1202" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2853">326</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1203" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2854">264</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Of the EUR <ix:nonFraction unitRef="eur" contextRef="c-1194" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-2855">182</ix:nonFraction> million corresponding to net provisions for the year ended 31 December 2025 (EUR <ix:nonFraction unitRef="eur" contextRef="c-1195" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-2856">226</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-1196" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-2857">24</ix:nonFraction> million at 31 December 2024 and 2023, respectively), EUR <ix:nonFraction unitRef="eur" contextRef="c-1204" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-2858">182</ix:nonFraction> million relates to financial assets at amortized cost (EUR <ix:nonFraction unitRef="eur" contextRef="c-1205" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-2859">227</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-1206" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-2860">23</ix:nonFraction> million at 31 December 2024 and 2023, respectively) and EUR <ix:nonFraction unitRef="eur" contextRef="c-1207" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-2861">0</ix:nonFraction> million relates to financial assets designated at fair value through other comprehensive income (EUR -<ix:nonFraction unitRef="eur" contextRef="c-1208" decimals="-6" sign="-" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-2862">1</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-1209" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-2863">1</ix:nonFraction> million at 31 December 2024 and 2023, respectively).</span></div></ix:nonNumeric><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025, 2024 and 2023 the loan loss provision by impairment stage of the assets accounted for under IFRS9 amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-1210" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2864">62</ix:nonFraction> million, EUR <ix:nonFraction unitRef="eur" contextRef="c-1211" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2865">39</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-1212" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2866">30</ix:nonFraction> million in stage 1, EUR <ix:nonFraction unitRef="eur" contextRef="c-1213" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2867">66</ix:nonFraction> million, EUR <ix:nonFraction unitRef="eur" contextRef="c-1214" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2868">9</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-1215" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2869">8</ix:nonFraction> million in stage 2, and EUR <ix:nonFraction unitRef="eur" contextRef="c-1216" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2870">392</ix:nonFraction> million, EUR <ix:nonFraction unitRef="eur" contextRef="c-1217" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2871">301</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-1218" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2872">248</ix:nonFraction> million in stage 3, respectively.</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_928"></div><div style="margin-bottom:6pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt"><span id="ic80f8716cf65469ead227d97142a5a3f"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">8. <ix:nonNumeric contextRef="c-1" name="san:DisclosureOfEquityFinancialInstrumentsTextBlock" id="f-2873" continuedAt="f-2873-1" escape="true">Equity instruments</ix:nonNumeric></span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_931"></div><ix:continuation id="f-2873-1" continuedAt="f-2873-2"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i4fd6e42de1e2442985563d4265f84ac1"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfEquityFinancialInstrumentsTableTextBlock" id="f-2874" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by classification and type, of Equity instruments in the consolidated balance sheets 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:99.782%"><tr><td style="width:1.0%"/><td style="width:49.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.259%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="9" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-2875">22,030</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-9" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-2876">16,636</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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id="f-2905">11</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (EIGR)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1229" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" scale="6" id="f-2906">245</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1230" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" scale="6" id="f-2907">447</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1231" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" scale="6" id="f-2908">162</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the RV hedged with micro-hedging transactions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1229" decimals="-6" sign="-" name="san:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax" scale="6" id="f-2909">76</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1230" decimals="-6" name="san:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax" scale="6" id="f-2910">20</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1231" decimals="-6" sign="-" name="san:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax" scale="6" id="f-2911">29</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Balance at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-2912">2,281</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-9" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-2913">2,193</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-10" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-2914">1,761</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">They do not include fair value movements for currency risk hedged with hedging instruments.</span></div></ix:nonNumeric></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_934"></div><ix:continuation id="f-2873-2"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i269df894adac4de29deeb391af382e20"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Notifications of acquisitions of investments</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:130%">The notifications of the acquisitions and disposals of holdings in investees made by the Bank in 2025, in compliance with Article 155 of the Spanish Limited Liability Companies Law and Article 105 of Spanish Securities Market Law 24/1998, are listed in appendix IV.</span></div></ix:continuation></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">192</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_937"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-175"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:24pt"><span id="ia5da9842d46b418bb509ac170026623d"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">9. <ix:nonNumeric contextRef="c-1" name="san:DisclosureOfTradingDerivativesAndShortPositionsTextBlock" id="f-2915" continuedAt="f-2915-1" escape="true">Trading derivatives (assets and liabilities) and short positions</ix:nonNumeric></span></div><ix:continuation id="f-2915-1"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i35344bb4d90c409fb6282b9dd2ab5367"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Trading Derivatives</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfTradingDerivativesTableTextBlock" id="f-2916" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by type of inherent risk, of the fair value of the trading derivatives arranged by the Group is as follows (see note&#160;11):</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"><tr><td style="width:1.0%"/><td style="width:15.308%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.831%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.831%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.831%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.831%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.831%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.837%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 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:105%">2025</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debit balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Credit balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debit balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Credit balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debit balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Credit balance</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1232" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-2917">29,550</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-2927">22,834</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1243" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-2928">23,094</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span 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Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Short positions</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfShortPositionsTableTextBlock" id="f-2947" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is a breakdown of the short positions (liabilities):</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:50.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.951%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Borrowed securities</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1256" decimals="-6" name="san:FinancialLiabilitiesAttributableToBorrowedSecurities" format="ixt:num-dot-decimal" scale="6" id="f-2948">2,938</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1257" decimals="-6" name="san:FinancialLiabilitiesAttributableToBorrowedSecurities" format="ixt:num-dot-decimal" scale="6" id="f-2949">2,566</ix:nonFraction></span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1258" decimals="-6" name="san:FinancialLiabilitiesAttributableToBorrowedSecurities" format="ixt:num-dot-decimal" scale="6" id="f-2950">3,263</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which: </span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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contextRef="c-1260" decimals="-6" name="san:FinancialLiabilitiesAttributableToBorrowedSecurities" format="ixt:num-dot-decimal" scale="6" id="f-2952">1,347</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1261" decimals="-6" name="san:FinancialLiabilitiesAttributableToBorrowedSecurities" format="ixt:num-dot-decimal" scale="6" id="f-2953">1,383</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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contextRef="c-36" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-2976">35,830</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-37" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-2977">26,174</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></ix:continuation><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_940"></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="id4d1f7857c3b496f8387ed42cf54b321"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">10. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory" id="f-2978" continuedAt="f-2978-1" escape="true">Loans and advances to customers</ix:nonNumeric></span></div><ix:continuation id="f-2978-1" continuedAt="f-2978-2"><div style="margin-bottom:6pt;margin-top:9pt"><span id="idc13193aa3f84b11853716a4fc93a088"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Detail</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfLoansAndAdvancesToCustomersTableTextBlock" id="f-2979" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by classification, of Loans and advances to customers in the consolidated balance sheets 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:99.782%"><tr><td style="width:1.0%"/><td style="width:47.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.109%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.259%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span 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name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-2982">11,634</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through<br/>profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-2983">1,701</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-24" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-2984">1,042</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-24" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-2993">1,011,042</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-25" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-2994">1,009,845</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Impairment losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1277" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2995">21,158</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1278" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2996">22,125</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1279" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2997">22,788</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2998">1,037,288</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-24" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2999">1,054,069</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-25" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3000">1,036,349</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances to customers disregarding impairment losses </span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1280" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3001">1,058,446</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1281" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3002">1,076,194</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1282" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3003">1,059,137</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Note 51 contains a detail of the residual maturity periods of 'Financial assets at amortized cost'.</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:130%">Note&#160;54 shows the Group&#8217;s total exposure, by geographical origin of the issuer.</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:130%">There are no loans and advances to customers for material amounts without fixed maturity dates.</span></div></ix:continuation><div style="margin-bottom:3pt;margin-top:9pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">193</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-176"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-2978-2" continuedAt="f-2978-3"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i21f272f0b48d44ae8d0d3c27c53c96b2"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Breakdown</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfLoansAndAdvancesToCustomersBreakdownTableTextBlock" id="f-3004" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is a breakdown of the loans and advances granted to the Group's customers, which reflect the Group's exposure to credit risk in its main activity, without considering the balance of value adjustments for impairment, taking into account the type and situation of the transactions, the geographical area of their residence and the type of interest rate on the transactions:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:47.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.876%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loan type and status</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Commercial credit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1283" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3005">51,110</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1284" 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1308" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3063">1,076,194</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1309" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3064">1,059,137</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025, 2024 and 2023 the Group had granted loans amounting to EUR <ix:nonFraction unitRef="eur" contextRef="c-1337" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3065">18,127</ix:nonFraction> million, EUR <ix:nonFraction unitRef="eur" contextRef="c-1338" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3066">16,562</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-1339" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3067">15,544</ix:nonFraction> million to Spanish public sector agencies which had a rating at 31 December 2025 of A (ratings of A at 31 December 2024 and 31 December 2023), and EUR <ix:nonFraction unitRef="eur" contextRef="c-1340" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3068">16,248</ix:nonFraction> million, EUR <ix:nonFraction unitRef="eur" contextRef="c-1341" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3069">13,593</ix:nonFraction> million, and EUR <ix:nonFraction unitRef="eur" contextRef="c-1342" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3070">11,530</ix:nonFraction> million to the public sector in other countries (at 31 December 2025, the breakdown of this amount by issuer rating was as follows: <ix:nonFraction unitRef="number" contextRef="c-1343" decimals="3" name="san:CreditExposurePercentage" scale="-2" id="f-3071">3.6</ix:nonFraction>% AAA, <ix:nonFraction unitRef="number" contextRef="c-1344" decimals="3" name="san:CreditExposurePercentage" scale="-2" id="f-3072">26.4</ix:nonFraction>% AA, <ix:nonFraction unitRef="number" contextRef="c-1345" decimals="3" name="san:CreditExposurePercentage" scale="-2" id="f-3073">25.6</ix:nonFraction>% A, <ix:nonFraction unitRef="number" contextRef="c-1346" decimals="3" name="san:CreditExposurePercentage" scale="-2" id="f-3074">27.5</ix:nonFraction>% BBB, <ix:nonFraction unitRef="number" contextRef="c-1347" decimals="3" name="san:CreditExposurePercentage" scale="-2" id="f-3075">16.4</ix:nonFraction>% below BBB and <ix:nonFraction unitRef="number" contextRef="c-1348" decimals="3" name="san:CreditExposurePercentage" scale="-2" id="f-3076">0.5</ix:nonFraction>% without rating).</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:130%">Without considering the public administrations, the amount of the loans and advances at 31 December 2025, 2024 and 2023 amounts to EUR <ix:nonFraction unitRef="eur" contextRef="c-1349" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3077">1,024,071</ix:nonFraction> million, EUR <ix:nonFraction unitRef="eur" contextRef="c-1350" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3078">1,046,039</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-1351" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3079">1,032,063</ix:nonFraction> million, of which, EUR <ix:nonFraction unitRef="eur" contextRef="c-1352" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3080">954,533</ix:nonFraction> million, EUR <ix:nonFraction unitRef="eur" contextRef="c-1353" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3081">1,012,389</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-1354" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3082">998,010</ix:nonFraction> million are classified as performing, respectively.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">194</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-177"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-2978-3" continuedAt="f-2978-4"><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfLoansAndAdvancesToCustomersInDetailByActivityTableTextBlock" id="f-3083" escape="true"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is a detail, by activity, of the loans to customers at 31 December 2025, net of impairment losses:</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:28.085%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.460%"/><td style="width:0.1%"/></tr><tr><td colspan="33" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="24" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Secured loans</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net exposure</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="15" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan to value ratio</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Total</span></td><td colspan="3" style="padding:2px 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:105%">Without <br/>collateral</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of&#160;which<br/>property<br/>&#160;collateral</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of&#160;which<br/>other<br/>&#160;collateral</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Less than or&#160;equal to 40%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More<br/>than 40%&#160;and less&#160;than or&#160;equal<br/>to 60%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More<br/>than 60%&#160;and less&#160;than or&#160;equal<br/>to 80%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More<br/>than 80%&#160;and less&#160;than or&#160;equal<br/>to 100%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than 100%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Public sector</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1355" decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3084">29,607</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1356" decimals="-6" 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name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3097">2,045</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1369" decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" scale="6" id="f-3098">995</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1425" decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3154">55,214</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1426" decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3155">37,930</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Residential</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1427" decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3156">332,931</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1428" decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3157">1,149</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1429" decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3158">331,655</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1430" decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" scale="6" id="f-3159">127</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1431" decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3160">90,170</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1432" decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3161">116,264</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1433" decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3162">97,858</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1434" decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3163">25,944</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt 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solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1438" decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3167">1,667</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1439" decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3168">86,521</ix:nonFraction>&#160;</span></td><td 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unitRef="eur" contextRef="c-1441" decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3170">8,063</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1442" decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3171">13,297</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3178">4,505</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1450" decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3179">2,590</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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id="f-3184">359,542</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1455" decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3185">404,014</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid 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name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3187">126,703</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1458" decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3188">155,022</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3190">178,789</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1461" decimals="-6" name="san:LoansToCustomersNetOfImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-3191">62,224</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 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name="san:RefinancedAndRestructuredTransactions" format="ixt:num-dot-decimal" scale="6" id="f-3200">3,383</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:3pt;padding-left:7.09pt;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:115%">A.</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">In addition, the Group has granted advances to customers am</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">ounting to EUR <ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:AdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3201">22,090</ix:nonFraction> million, bringing the total of loans and advances to EUR <ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3202">1,037,288</ix:nonFraction> million.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Includes the net balance of the impairment of the accumulated value or accumulated losses in the fair value due to credit risk.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">The ratio is the carrying amount of the transactions at 31 December 2025 provided by the latest available appraisal value of the collateral.</span></div></ix:nonNumeric><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;margin-top:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Note&#160;54 contains information relating to the forborne loan portfolio.</span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">195</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-178"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-2978-4" continuedAt="f-2978-5"><div style="width:100.000%"><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfMovementInGrossExposureByImpairmentStageTableTextBlock" id="f-3203" continuedAt="f-3203-1" escape="true"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is the movement of the gross exposure broken down by impairment stage of loans and advances to customers recognised under 'Financial assets at amortised cost' and 'Financial assets at fair value through other comprehensive income' during 2025, 2024 and 2023:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:38.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.259%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at the beginning of year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1462" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3204">925,413</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1463" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3205">84,455</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1464" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3206">33,568</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1465" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3207">1,043,436</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Movements</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1466" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3208">39,015</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1467" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3209">39,015</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1466" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3210">12,097</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1468" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3211">12,097</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1467" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3212">8,266</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1468" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3213">8,266</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1466" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3214">16,079</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1467" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3215">16,079</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1467" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3216">1,764</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1468" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3217">1,764</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1466" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" scale="6" id="f-3218">441</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1468" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" scale="6" id="f-3219">441</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes on financial assets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1466" decimals="-6" sign="-" name="san:NetChangesOnFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3220">69,819</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1467" decimals="-6" name="san:NetChangesOnFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3221">12,940</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1468" decimals="-6" name="san:NetChangesOnFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3222">4,436</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1469" decimals="-6" sign="-" name="san:NetChangesOnFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3223">52,443</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1468" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3224">13,266</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1469" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3225">13,266</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1466" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3226">54,818</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1467" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3227">6,369</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1468" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3228">2,493</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1469" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3229">63,680</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1470" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3230">905,822</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1471" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3231">81,580</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1472" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3232">31,531</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1473" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3233">1,018,933</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:38.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.876%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at the beginning of year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1474" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3234">929,133</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1475" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3235">76,654</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1476" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3236">33,821</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1477" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3237">1,039,608</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Movements</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers </span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1478" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3238">49,316</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1479" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3239">49,316</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1478" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3240">11,517</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1480" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3241">11,517</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1479" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3242">10,083</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1480" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3243">10,083</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1478" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3244">21,475</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1479" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3245">21,475</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1479" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3246">2,358</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1480" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3247">2,358</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1478" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" scale="6" id="f-3248">447</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1480" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" scale="6" id="f-3249">447</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes on financial assets </span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1478" decimals="-6" sign="-" name="san:NetChangesOnFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3250">43,281</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1479" decimals="-6" name="san:NetChangesOnFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3251">11,616</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1480" decimals="-6" name="san:NetChangesOnFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3252">4,889</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1481" decimals="-6" sign="-" name="san:NetChangesOnFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3253">26,776</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1480" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3254">13,212</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1481" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3255">13,212</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1478" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3256">8,090</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1479" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" scale="6" id="f-3257">699</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1480" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" scale="6" id="f-3258">947</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1481" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3259">9,736</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1462" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3260">925,413</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1463" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3261">84,455</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1464" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3262">33,568</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1465" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3263">1,043,436</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></div></ix:nonNumeric><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-3203-1"><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:39.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.025%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at the beginning of year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1482" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3264">942,861</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1483" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3265">66,696</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1484" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3266">32,617</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1485" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3267">1,042,174</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Movements</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1486" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3268">43,278</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1487" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3269">43,278</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1486" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3270">12,636</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1488" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3271">12,636</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1487" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3272">9,915</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1488" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3273">9,915</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1486" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3274">15,180</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1487" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3275">15,180</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1487" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3276">2,899</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1488" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3277">2,899</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1486" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" scale="6" id="f-3278">488</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1488" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" scale="6" id="f-3279">488</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes on financial assets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1488" decimals="-6" name="san:NetChangesOnFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3282">4,218</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1489" decimals="-6" sign="-" name="san:NetChangesOnFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3283">14,805</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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scale="6" id="f-3285">13,847</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1486" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3286">3,178</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1487" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" scale="6" id="f-3287">451</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1488" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" scale="6" id="f-3288">105</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1489" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3289">3,524</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1474" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3290">929,133</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1475" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3291">76,654</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1476" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3292">33,821</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1477" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3293">1,039,608</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, at 31 December 2025, the Group had EUR <ix:nonFraction unitRef="eur" contextRef="c-1490" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-3294">307</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-1491" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-3295">515</ix:nonFraction> million at 31 December 2024 and EUR <ix:nonFraction unitRef="eur" contextRef="c-1492" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-3296">694</ix:nonFraction>  million at 31 December 2023) of exposure in assets purchased with impairment of which EUR <ix:nonFraction unitRef="eur" contextRef="c-1493" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-3297">46</ix:nonFraction> million still show signs of additional impairment, which correspond mainly to the business combinations carried out by the Group.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span><br/></span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">196</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-179"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-2978-5" continuedAt="f-2978-6"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="ic651a9bd4b5642b5b44daca6bcbbd497"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Impairment losses on loans and advances to customers at amortised cost and at fair value through other comprehensive income</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock" id="f-3298" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in the impairment losses on the assets making up the balances of financial assets at amortised cost and at fair value through other comprehensive income - Loans and advances - Customers:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:55.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.407%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Amount at beginning of the year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1494" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3299">22,125</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1495" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3300">22,788</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1496" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3301">22,684</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment losses charged to income for the year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1497" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3302">14,144</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1498" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3303">13,428</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1499" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3304">13,805</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Impairment losses charged to profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1497" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3305">24,935</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1498" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3306">22,761</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1499" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3307">20,608</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1498" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3309">9,333</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1499" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3310">6,803</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Change of perimeter</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1497" decimals="-6" name="san:IncreaseDecreaseThroughOtherChangesFinancialAssets" format="ixt:fixed-zero" scale="6" id="f-3311">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid 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contextRef="c-1499" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" scale="6" id="f-3319">194</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Amount at end of the year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1500" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3320">21,158</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1494" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3321">22,125</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1495" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3322">22,788</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Which correspond to:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Impaired assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1501" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3323">13,527</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1502" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3324">14,088</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1503" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3325">14,238</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1504" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3326">7,631</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1505" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3327">8,037</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1506" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3328">8,550</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Individually calculated</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1507" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3329">2,359</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1508" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3330">2,258</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1509" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3331">2,951</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Collective calculated</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1510" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3332">18,799</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1511" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3333">19,867</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1512" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3334">19,837</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, provisions for debt securities amounting to EUR <ix:nonFraction unitRef="eur" contextRef="c-1194" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-3335">182</ix:nonFraction> million were recorded at 31 December 2025 (provisions amounting to EUR <ix:nonFraction unitRef="eur" contextRef="c-1195" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-3336">226</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-1196" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-3337">24</ix:nonFraction> million as of 31 December 2024 and 2023, respectively), written-off assets recoveries have been recorded in the&#160;year amounting to EUR <ix:nonFraction unitRef="eur" contextRef="c-1513" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3338">1,791</ix:nonFraction> million at 31 December 2025 (EUR <ix:nonFraction unitRef="eur" contextRef="c-1514" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3339">1,600</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-1515" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3340">1,587</ix:nonFraction> million at 31 December 2024 and 2023, respectively). </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:130%">With this, the impairment recorded in Impairment or reversal of impairment at financial assets not measured at fair value through  profit or loss and net gains and losses from changes: 'Financial assets at fair value through other comprehensive income' and 'Financial assets at amortised cost (IFRS 9) and, Loans and receivables (IAS 39)'; amounts EUR <ix:nonFraction unitRef="eur" contextRef="c-1513" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3341">12,535</ix:nonFraction> million at 31 December 2025 (EUR <ix:nonFraction unitRef="eur" contextRef="c-1514" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3342">12,136</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-1515" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3343">12,298</ix:nonFraction> million at 31 December 2024 and 2023, respectively).</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:continuation id="f-2827-1" continuedAt="f-2827-2"><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is the movement of the loan loss provision broken down by impairment stage of loans and advances to customers during 2025, 2024 and 2023:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:39.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.025%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the beginning of the year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1516" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3344">3,293</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1517" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3345">4,744</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1518" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3346">14,088</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1519" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3347">22,125</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1520" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" scale="6" id="f-3348">847</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1521" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3349">2,734</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1522" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3350">1,887</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1520" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" scale="6" id="f-3351">701</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1523" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3352">4,931</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1522" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3353">4,230</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1521" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3354">1,189</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1523" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3355">2,760</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1522" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3356">1,571</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1520" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" scale="6" id="f-3357">82</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1521" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" scale="6" id="f-3358">466</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1522" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" scale="6" id="f-3359">384</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1521" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" scale="6" id="f-3360">177</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1523" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" scale="6" id="f-3361">344</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1522" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" scale="6" id="f-3362">167</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1520" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" scale="6" id="f-3363">16</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1523" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" scale="6" id="f-3364">59</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1522" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" scale="6" id="f-3365">43</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes of the exposure and modifications in the credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1520" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3366">1,269</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1521" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" scale="6" id="f-3367">800</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1523" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3368">6,581</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1522" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3369">7,050</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1523" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3370">13,266</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1522" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3371">13,266</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">FX and other movements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1520" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" scale="6" id="f-3372">112</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1521" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" scale="6" id="f-3373">569</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1523" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3374">1,164</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1522" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3375">1,845</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1524" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3376">3,000</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1525" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3377">4,631</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1526" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3378">13,527</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1527" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3379">21,158</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:40.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.407%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the beginning of the year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1528" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3380">3,596</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1529" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3381">4,954</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1530" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3382">14,238</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1531" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3383">22,788</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1532" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" scale="6" id="f-3384">626</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1533" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3385">2,676</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1534" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3386">2,050</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1532" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" scale="6" id="f-3387">385</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1535" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3388">4,548</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1534" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3389">4,163</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1533" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3390">1,591</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1535" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3391">3,444</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1534" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3392">1,853</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1532" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" scale="6" id="f-3393">109</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1533" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" scale="6" id="f-3394">725</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1534" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" scale="6" id="f-3395">616</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1533" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" scale="6" id="f-3396">278</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1535" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" scale="6" id="f-3397">693</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1534" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" scale="6" id="f-3398">415</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1532" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" scale="6" id="f-3399">23</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1535" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" scale="6" id="f-3400">156</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1534" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" scale="6" id="f-3401">133</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes of the exposure and modifications in the credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1532" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" scale="6" id="f-3402">755</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1533" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" scale="6" id="f-3403">704</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1535" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3404">6,655</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1534" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3405">6,706</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1535" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3406">13,212</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1534" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3407">13,212</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">FX and other movements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1532" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" scale="6" id="f-3408">179</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1533" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" scale="6" id="f-3409">144</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1535" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" scale="6" id="f-3410">736</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1534" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3411">1,059</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1516" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3412">3,293</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1517" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3413">4,744</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1518" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3414">14,088</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1519" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3415">22,125</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></div></ix:continuation></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">197</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-180"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-2978-6"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-2827-2" continuedAt="f-2827-3"><div style="margin-bottom:3pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:40.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.407%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the beginning of the year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1536" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3416">3,626</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1537" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3417">5,127</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1538" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3418">13,931</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1539" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3419">22,684</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1540" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" scale="6" id="f-3420">696</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1541" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3421">2,954</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1542" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3422">2,258</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1540" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" scale="6" id="f-3423">405</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1543" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3424">4,278</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1542" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3425">3,873</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1541" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3426">1,820</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1543" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3427">3,721</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1542" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3428">1,901</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1540" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" scale="6" id="f-3429">149</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1541" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" scale="6" id="f-3430">905</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1542" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" scale="6" id="f-3431">756</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1541" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" scale="6" id="f-3432">282</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1543" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" scale="6" id="f-3433">920</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1542" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" scale="6" id="f-3434">638</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1540" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" scale="6" id="f-3435">27</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1543" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" scale="6" id="f-3436">184</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1542" decimals="-6" name="san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" scale="6" id="f-3437">157</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes of the exposure and modifications in the credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1540" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" scale="6" id="f-3438">875</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1541" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" scale="6" id="f-3439">557</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1543" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3440">7,212</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1542" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3441">7,530</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1543" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3442">13,847</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1542" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3443">13,847</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">FX and other movements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1540" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" scale="6" id="f-3444">20</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1541" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" scale="6" id="f-3445">127</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1543" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" scale="6" id="f-3446">47</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1542" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" scale="6" id="f-3447">60</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1528" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3448">3,596</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1529" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3449">4,954</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1530" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3450">14,238</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1531" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3451">22,788</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation><div style="margin-bottom:6pt;margin-top:9pt"><span id="i5bf97dfa6b5245089d7f03e109d9b474"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Impaired assets and assets with unpaid past-due amounts</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfChangesInBalanceOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock" id="f-3452" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of the changes in the balance of the financial assets classified as 'Financial assets Loans to customers' considered to be impaired due to 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:99.782%"><tr><td style="width:1.0%"/><td style="width:51.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.643%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Balance at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1544" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3453">33,731</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1545" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3454">34,094</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1546" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3455">32,888</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Net additions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1547" decimals="-6" name="ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3456">13,648</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1548" decimals="-6" name="ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3457">13,779</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1549" decimals="-6" name="ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3458">14,944</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Written-off assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1547" decimals="-6" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3459">13,266</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1548" decimals="-6" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3460">13,212</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span 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style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This amount, after deducting the related allowances, represents the Group&#8217;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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025, the Group&#8217;s written-off assets totalled EUR <ix:nonFraction unitRef="eur" contextRef="c-1551" decimals="-6" name="ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="f-3471">51,435</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-1552" decimals="-6" name="ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="f-3472">49,939</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-1553" decimals="-6" name="ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="f-3473">48,138</ix:nonFraction> million at 31 December 2024 and 2023, respectively).</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedWithOrWithoutCollateralTableTextBlock" id="f-3474" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Set forth below for each class of impaired asset are the gross amount, associated allowances and information relating to the collateral and/or other credit enhancements obtained at 31 December 2025:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:41.801%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.109%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.346%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Gross<br/>amount</span></td><td colspan="3" style="padding:2px 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:105%">Allowance recognised</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Estimated collateral<br/>value</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Without associated real collateral</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1554" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3475">13,846</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1555" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3476">8,133</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1556" decimals="-6" name="san:EstimatedCollateralHeldValue" format="ixt:fixed-zero" scale="6" id="f-3477">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">With real estate collateral</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1557" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3478">7,777</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1558" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3479">1,759</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1559" decimals="-6" name="san:EstimatedCollateralHeldValue" format="ixt:num-dot-decimal" scale="6" id="f-3480">5,657</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">With other collateral</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1560" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3481">9,954</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1561" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3482">3,635</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1562" decimals="-6" name="san:EstimatedCollateralHeldValue" format="ixt:num-dot-decimal" scale="6" id="f-3483">5,424</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1563" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3484">31,577</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1564" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3485">13,527</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1565" decimals="-6" name="san:EstimatedCollateralHeldValue" format="ixt:num-dot-decimal" scale="6" id="f-3486">11,081</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Including the estimated value of the collateral associated with each loan. Accordingly, any other cash flows that may be obtained, such as those arising from borrowers&#8217; personal guarantees, are not included.</span></div></ix:nonNumeric><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">When classifying assets in the previous table, the main factors considered by the Group to determine whether an asset has become impaired are the existence of amounts past due&#160;&#8212;assets impaired due to arrears&#8212; or other circumstances that may arise which will not result in all contractual cash flows being recovered, such as a deterioration of the borrower&#8217;s financial situation, the worsening of its capacity to generate funds or difficulties experienced by it in accessing credit.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="ie08cd25761e748628b937778eed25aae"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%">e) Transferred credits</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:130%">'Loans and advances to customers' includes, inter alia, the securitised loans transferred to third parties on which the Group has&#160;retained&#160;the risks and rewards, albeit partially, and which therefore, in accordance with the applicable accounting standards, cannot be derecognised. This is mainly due to mortgage loans, loans to companies and consumer loans in which the group retains subordinate financing and/or grants some kind of credit enhancement to new holders.</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:130%">Securitisation is used as a tool for the management of regulatory capital and as a means of diversifying the Group's liquidity sources.</span></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfTransfersOfFinancialAssetsExplanatory" id="f-3487" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The breakdown of securitized loans held on the balance sheet, according to the nature of the financial instrument in which they are originated, is shown below:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:49.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.259%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Retained on the balance sheet</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1566" decimals="-6" name="ifrs-full:AssetsThatEntityContinuesToRecognise" format="ixt:num-dot-decimal" scale="6" id="f-3488">80,072</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1567" decimals="-6" name="ifrs-full:AssetsThatEntityContinuesToRecognise" format="ixt:num-dot-decimal" scale="6" id="f-3489">80,824</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1568" decimals="-6" name="ifrs-full:AssetsThatEntityContinuesToRecognise" format="ixt:num-dot-decimal" scale="6" id="f-3490">75,738</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Securitised mortgage assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1569" decimals="-6" name="ifrs-full:AssetsThatEntityContinuesToRecognise" format="ixt:num-dot-decimal" scale="6" id="f-3491">19,640</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1570" decimals="-6" name="ifrs-full:AssetsThatEntityContinuesToRecognise" format="ixt:num-dot-decimal" scale="6" id="f-3492">17,782</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1571" decimals="-6" name="ifrs-full:AssetsThatEntityContinuesToRecognise" format="ixt:num-dot-decimal" scale="6" id="f-3493">16,994</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;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:105%">Of which: UK assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1572" decimals="-6" name="ifrs-full:AssetsThatEntityContinuesToRecognise" format="ixt:num-dot-decimal" scale="6" id="f-3494">10,236</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1573" decimals="-6" name="ifrs-full:AssetsThatEntityContinuesToRecognise" format="ixt:num-dot-decimal" scale="6" id="f-3495">9,034</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1574" decimals="-6" name="ifrs-full:AssetsThatEntityContinuesToRecognise" format="ixt:num-dot-decimal" scale="6" id="f-3496">6,096</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Other securitised assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1575" decimals="-6" name="ifrs-full:AssetsThatEntityContinuesToRecognise" format="ixt:num-dot-decimal" scale="6" id="f-3497">60,432</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1576" decimals="-6" name="ifrs-full:AssetsThatEntityContinuesToRecognise" format="ixt:num-dot-decimal" scale="6" id="f-3498">63,042</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1577" decimals="-6" name="ifrs-full:AssetsThatEntityContinuesToRecognise" format="ixt:num-dot-decimal" scale="6" id="f-3499">58,744</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1566" decimals="-6" name="ifrs-full:AssetsThatEntityContinuesToRecognise" format="ixt:num-dot-decimal" scale="6" id="f-3500">80,072</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1567" decimals="-6" name="ifrs-full:AssetsThatEntityContinuesToRecognise" format="ixt:num-dot-decimal" scale="6" id="f-3501">80,824</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1568" decimals="-6" name="ifrs-full:AssetsThatEntityContinuesToRecognise" format="ixt:num-dot-decimal" scale="6" id="f-3502">75,738</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Note 22 details the liabilities associated with these securitisation transactions.</span></div></ix:nonNumeric><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025, Grupo Santander had loans that had been fully derecognised and for which it retained servicing amounting to EUR <ix:nonFraction unitRef="eur" contextRef="c-1566" decimals="-6" name="ifrs-full:RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3503">12,174</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-1567" decimals="-6" name="ifrs-full:RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3504">14,919</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-1568" decimals="-6" name="ifrs-full:RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3505">13,923</ix:nonFraction> million at 31 December 2024 and 2023, respectively).</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">198</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_943"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-181"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:6pt;margin-top:24pt;padding-right:263.62pt"><span id="ibd61e9916ef54adf97a62234f76dd174"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">11.&#160;<ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory" id="f-3506" continuedAt="f-3506-1" escape="true">Trading derivatives</ix:nonNumeric></span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfNotionalAmountAndMarketValueOfTradingDerivativesTableTextBlock" id="f-3507" escape="true"><ix:continuation id="f-3506-1"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of the notional amounts and the market values of the trading derivatives held by the Group in 2025, 2024 and 2023 is as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:36.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.976%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Notional amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Market<br/>value</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Notional amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Market<br/>value</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Notional amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Market<br/>value</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Trading derivatives</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate risk</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td 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#9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1578" decimals="-6" sign="-" name="san:DerivativeFairValue" scale="6" id="f-3509">32</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1579" decimals="-6" 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unitRef="eur" contextRef="c-1581" decimals="-6" name="san:DerivativeFairValue" format="ixt:num-dot-decimal" scale="6" id="f-3515">6,324</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1582" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-3516">6,127,812</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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contextRef="c-1593" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-3538">160,421</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1593" decimals="-6" name="san:DerivativeFairValue" scale="6" id="f-3539">441</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.407%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">EUR million</span></div></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1606" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-3565">2,851</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1607" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-3566">2,991</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 6.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Foreclosed assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1608" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-3567">2,487</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1609" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-3568">2,621</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1610" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-3569">2,773</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Of which property assets in Spain</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1611" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-3570">1,705</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1612" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-3571">1,896</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1613" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-3572">2,138</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Other tangible assets held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1614" decimals="-6" name="san:TangibleAssets" scale="6" id="f-3573">363</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1615" decimals="-6" name="san:TangibleAssets" scale="6" id="f-3574">230</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1616" decimals="-6" name="san:TangibleAssets" scale="6" id="f-3575">218</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Entities held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1617" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-3576">72,148</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1618" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-3577">1,137</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1619" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-3578">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 7pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;&#160;&#160;&#160;&#160;&#160;Caceis (Note 3)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1620" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-3579">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1621" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-3580">1,137</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1622" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-3581">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;&#160;&#160;&#160;&#160;&#160;Santander Bank Polska S.A. (Note 3) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1623" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-3582">72,148</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1624" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-3583">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1625" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-3584">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt 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style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1606" decimals="-6" name="ifrs-full:OtherAssets" scale="6" id="f-3586">14</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1607" decimals="-6" name="ifrs-full:OtherAssets" scale="6" id="f-3587">23</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total non-current assets held for sale</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1605" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-3588">75,011</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1606" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-3589">4,002</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1607" decimals="-6" name="ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-3590">3,014</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:55.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.407%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Entities held for sale</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 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:105%">Santander Bank Polska S.A. (Note 2)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1623" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-3591">62,995</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1624" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-3592">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1625" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-3593">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">Total Liabilities associated with non-current assets held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1605" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-3594">62,995</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1606" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-3595">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1607" decimals="-6" name="ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-3596">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></ix:continuation><div style="margin-bottom:30pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:continuation id="f-3562-2" continuedAt="f-3562-3"><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></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:130%">At 31 December 2025, the provisions recognised for the total non current assets held for sale totalled EUR <ix:nonFraction unitRef="eur" contextRef="c-1605" decimals="-6" name="san:ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-3597">2,357</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-1606" decimals="-6" name="san:ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-3598">2,606</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-1607" decimals="-6" name="san:ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-3599">2,956</ix:nonFraction> million at 31 December 2024 and 2023, respectively). The charges recorded in those&#160;years amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-1626" decimals="-6" name="san:NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges" scale="6" id="f-3600">131</ix:nonFraction> million, EUR <ix:nonFraction unitRef="eur" contextRef="c-1627" decimals="-6" name="san:NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges" scale="6" id="f-3601">163</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-1628" decimals="-6" name="san:NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges" scale="6" id="f-3602">139</ix:nonFraction> million, respectively, and the recoveries during these exercises are amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-1626" decimals="-6" name="san:NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries" scale="6" id="f-3603">59</ix:nonFraction> million, EUR <ix:nonFraction unitRef="eur" contextRef="c-1627" decimals="-6" name="san:NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries" scale="6" id="f-3604">71</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-1628" decimals="-6" name="san:NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries" scale="6" id="f-3605">88</ix:nonFraction> million, respectively.</span></div><div style="margin-bottom:6pt;margin-top:9pt;text-indent:-0.01pt"><span id="ic4736ac6345b47268d4edadaef811743"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Assets and liabilities from entities held for sale</span></div><ix:nonNumeric contextRef="c-1" name="san:DiscontinuedOperationsConsolidatedBalanceSheetTableTextBlock" id="f-3606" continuedAt="f-3606-1" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following is the consolidated balance sheet and consolidated summary cash flow statements for the Polish business held for sale:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:84.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.407%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Condensed consolidated balance sheet</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Cash, cash balances at central banks and other deposits on demand</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-3607">2,515</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-3608">1,956</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3609">8,173</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at amortised cost</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3610">55,642</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Intangible assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-3611">1,335</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tax assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" name="san:TaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-3612">1,224</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-3613">1,303</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">Total assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-right:1pt solid #ffffff;border-top:0.5pt solid #ee2724;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-3614">72,148</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></div></ix:continuation></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">199</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-182"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-3562-3"><ix:continuation id="f-3606-1"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:84.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.407%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Condensed consolidated balance sheet</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="f-3615">842</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities at amortised cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3616">59,704</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-3617">603</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tax liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" name="san:TaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3618">1,335</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" name="ifrs-full:OtherLiabilities" scale="6" id="f-3619">511</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">Total liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-3620">62,995</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:84.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.407%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Other comprehensive income</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Items that will not be reclassified to profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" name="san:OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="f-3621">56</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Actuarial gains or losses on defined benefit pension plans</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" name="ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans" format="ixt:fixed-zero" scale="6" id="f-3622">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" name="ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments" scale="6" id="f-3623">56</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Items that may be reclassified to profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" sign="-" name="san:OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss" scale="6" id="f-3624">590</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedges of net investments in foreign operations (effective portion)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" sign="-" name="ifrs-full:ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" scale="6" id="f-3625">522</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" scale="6" id="f-3626">164</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cash flow hedges (effective portion)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" name="ifrs-full:ReserveOfCashFlowHedges" scale="6" id="f-3627">98</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments at fair value with changes in other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" name="ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-3628">8</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Share in other income and expenses recognised in investments, joint ventures and associates</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" sign="-" name="san:AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities" scale="6" id="f-3629">10</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:55.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.407%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Condensed consolidated statements of cash flows</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">A) Cash flows from operating activities</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1630" decimals="-6" name="ifrs-full:CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-3630">1,405</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1631" decimals="-6" name="ifrs-full:CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-3631">1,705</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1632" decimals="-6" name="ifrs-full:CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations" scale="6" id="f-3632">352</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 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:105%">B) Cash flows from investing activities</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1630" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations" scale="6" id="f-3633">98</ix:nonFraction>)</span></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1631" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations" scale="6" id="f-3634">96</ix:nonFraction>)</span></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1632" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations" scale="6" id="f-3635">91</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 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:105%">C) Cash flows from financing activities</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1630" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-3636">1,301</ix:nonFraction>)</span></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1631" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-3637">1,194</ix:nonFraction>)</span></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1632" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations" scale="6" id="f-3638">591</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 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:105%">D) Effect of foreign exchange rate differences</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1633" decimals="-6" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" scale="6" id="f-3639">20</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1634" decimals="-6" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" scale="6" id="f-3640">27</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1635" decimals="-6" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" scale="6" id="f-3641">143</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">E) Net increase/(decrease) in cash and cash equivalents</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1630" decimals="-6" name="san:IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations" scale="6" id="f-3642">26</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1631" decimals="-6" name="san:IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations" scale="6" id="f-3643">442</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1632" decimals="-6" sign="-" name="san:IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations" scale="6" id="f-3644">187</ix:nonFraction>)</span></td></tr></table></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025, the  written-off assets totalled EUR <ix:nonFraction unitRef="eur" contextRef="c-1636" decimals="-6" name="san:RemeasurementOfDisposalGroupOrAssetsHeldForSaleWriteOff" format="ixt:num-dot-decimal" scale="6" id="f-3645">2,339</ix:nonFraction> million from the Polish business held for sale.</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:130%">Consistent with the Group&#180;s management model, the amounts related to the business held for sale in Poland are primarily reported within the Retail &amp; Commercial Banking segment for primary segment information purposes. Additionally, a separate breakdown for the Poland geography is presented as a secondary segment.</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:130%">In addition, see the consolidated summary profit and loss accounts for the business for sale in Poland in Note 37.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_949"></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="i27fb3da991024095b5ea57f222cde441"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">13.&#160;<ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfInterestsInOtherEntitiesExplanatory" id="f-3646" continuedAt="f-3646-1" escape="true">Investments</ix:nonNumeric></span></div><ix:continuation id="f-3646-1" continuedAt="f-3646-2"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i35a5cf5f5f994bbab84c4c837e8f2795"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown</span></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory" id="f-3647" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by company, of Investments 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:99.782%"><tr><td style="width:1.0%"/><td style="width:64.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.322%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Associated entities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-3648">5,096</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-3649">5,216</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-3650">5,682</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Merlin Properties, SOCIMI, S.A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1637" decimals="-6" name="ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-3651">1,830</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1638" decimals="-6" name="ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-3652">1,803</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1639" decimals="-6" name="ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-3653">1,621</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Zurich Santander Insurance<br/>America, S.L. - Consolidated</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1640" decimals="-6" name="ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod" scale="6" id="f-3654">940</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1641" decimals="-6" name="ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod" scale="6" 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style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1667" decimals="-6" name="ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3684">232</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1668" decimals="-6" name="ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3685">261</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1669" decimals="-6" name="ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3686">254</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hyundai Capital UK Limited</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1670" decimals="-6" name="ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3687">270</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1671" decimals="-6" name="ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3688">249</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1672" decimals="-6" name="ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3689">205</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Volvo Car Financial Services UK Limited</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1673" decimals="-6" name="ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3690">116</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1674" decimals="-6" name="ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3691">99</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1675" decimals="-6" name="ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3692">76</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco RCI Brasil S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1676" decimals="-6" name="ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3693">77</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1677" decimals="-6" name="ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3694">94</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1678" decimals="-6" name="ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3695">92</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1679" decimals="-6" name="ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3696">235</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1680" decimals="-6" name="ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3697">296</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1681" decimals="-6" name="ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3698">237</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Associated entities and Joint ventures</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:InvestmentAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-3699">7,052</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:InvestmentAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-3700">7,277</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:InvestmentAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-3701">7,646</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Acquisition of <ix:nonFraction unitRef="number" contextRef="c-1650" decimals="2" name="ifrs-full:PercentageOfVotingEquityInterestsAcquired" scale="-2" id="f-3702">20</ix:nonFraction>% of Pluxee Beneficios Brasil S.A. and capital increase of Merlin Properties, SOCIMI, S.A., both carried out in 2024.</span></div></ix:nonNumeric><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Of the entities included above, at 31 December 2025, the entities Merlin Properties, SOCIMI, S.A, and Metrovacesa, S.A. and Compa&#241;&#237;a Espa&#241;ola de Viviendas en Alquiler, S.A., are the only listed companies.</span></div></ix:continuation></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">200</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-183"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-3646-2" continuedAt="f-3646-3"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfGoodwillOfMainInvestmentsInJointVenturesAndAssociatesTableTextBlock" id="f-3703" continuedAt="f-3703-1" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Below is a breakdown of the Goodwill of the main investments in joint ventures and associates included in the balance of this heading:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:53.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.025%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Goodwill</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Zurich Santander Insurance America, S.L. - Consolidated</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1640" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-3707">526</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1641" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-3708">526</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1642" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-3709">526</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Pluxee Beneficios Brasil S.A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid 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Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span></ix:continuation><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"><ix:continuation id="f-3703-2">Acquisition of <ix:nonFraction unitRef="number" contextRef="c-1650" decimals="2" name="ifrs-full:PercentageOfVotingEquityInterestsAcquired" scale="-2" id="f-3716">20</ix:nonFraction>% of Pluxee Beneficios Brasil S.A. in 2024.</ix:continuation> </span></div><div style="margin-bottom:6pt"><span id="i300d1f8c1222493f838ae7e70a7bda3a"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Changes</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfChangesInASpecificInvestmentAccountedForUsingEquityMethodTableTextBlock" id="f-3717" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in the investments were 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:99.782%"><tr><td style="width:1.0%"/><td style="width:58.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.480%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.480%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.481%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:InvestmentAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-3718">7,277</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:InvestmentAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-3719">7,646</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:InvestmentsInSubsidiariesJointVenturesAndAssociatesAcquisitionsDisposalsAndCapitalIncreasesReductions" format="ixt:num-dot-decimal" scale="6" id="f-3722">1,011</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:InvestmentsInSubsidiariesJointVenturesAndAssociatesAcquisitionsDisposalsAndCapitalIncreasesReductions" scale="6" id="f-3723">52</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the consolidation method (Note 3)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:ChangesInScopeOfConsolidation" scale="6" id="f-3724">15</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="san:ChangesInScopeOfConsolidation" scale="6" id="f-3725">13</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="san:ChangesInScopeOfConsolidation" scale="6" id="f-3726">43</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Entities for sale (Notes 3 y 12)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale" scale="6" id="f-3727">168</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale" format="ixt:num-dot-decimal" scale="6" id="f-3728">1,137</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale" format="ixt:fixed-zero" scale="6" id="f-3729">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Effect of equity accounting</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3730">665</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3731">687</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3732">591</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Dividends distributed and reimbursements of share premium</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3733">694</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3734">745</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3735">565</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Zurich Santander Insurance Am&#233;rica, S.L. - Consolidado</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1685" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3736">206</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1686" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3737">202</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1687" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3738">202</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Metrovacesa, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1688" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3739">118</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1689" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3740">52</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1690" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3741">50</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Santander Vida Seguros y Reaseguros, S.A.- Consolidated</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1691" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3742">87</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1692" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3743">82</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1693" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3744">52</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Merlin Properties, SOCIMI, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1694" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3745">57</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1695" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3746">53</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1696" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3747">51</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">CNP Santander</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1697" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3748">54</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1698" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3749">88</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1699" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3750">51</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">CIP S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1700" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3751">16</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1701" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3752">56</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1702" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" format="ixt:fixed-zero" scale="6" id="f-3753">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Caceis</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-323" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" format="ixt:fixed-zero" scale="6" id="f-3754">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1703" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3755">114</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1704" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" format="ixt:fixed-zero" scale="6" id="f-3756">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Hyundai Capital UK Limited</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1705" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" format="ixt:fixed-zero" scale="6" id="f-3757">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1706" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" format="ixt:fixed-zero" scale="6" id="f-3758">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1707" decimals="-6" name="san:DividendsPaidAndReimbursementsOfSharePremium" scale="6" id="f-3759">58</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other global result</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="san:OtherGlobalResult" scale="6" id="f-3760">28</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:OtherGlobalResult" scale="6" id="f-3761">32</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:OtherGlobalResult" scale="6" id="f-3762">24</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other changes</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="san:ExchangeDifferencesAndOtherChanges" scale="6" id="f-3763">54</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="san:ExchangeDifferencesAndOtherChanges" scale="6" id="f-3764">140</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:ExchangeDifferencesAndOtherChanges" scale="6" id="f-3765">20</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at end of year</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:InvestmentAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-3766">7,052</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:InvestmentAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-3767">7,277</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:InvestmentAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-3768">7,646</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Includes the acquisition of <ix:nonFraction unitRef="number" contextRef="c-1650" decimals="2" name="ifrs-full:PercentageOfVotingEquityInterestsAcquired" scale="-2" id="f-3769">20</ix:nonFraction>% of Pluxee Beneficios Brasil S.A. and the capital increase of Merlin Properties, SOCIMI, S.A carried out in 2024.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt">Stakes of Santander Bank Polska S.A. and Caceis (Notes 3 and 12).</span></div></ix:nonNumeric><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4890dc3a7a0c4deb80f4a565b7ac12b2"></span><span style="background-color:#ffffff;color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Impairment adjustments</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:130%">During the years 2025, 2024 and 2023 there was no evidence of significant impairment in the Group's associated interests.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">201</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-184"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-3646-3"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i2021c0825cd242d181220682c55850f0"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Other information</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfFinancialInformationOnMainAssociatesAndJointVenturesTableTextBlock" id="f-3770" continuedAt="f-3770-1" escape="true"><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%">A summary of the financial information at the end of December 2025 of the main associates and joint ventures (obtained from the information available at the date of preparation of the consolidated financial statements) is shown below:</span></div></ix:nonNumeric></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><ix:continuation id="f-3770-1"><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:17.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.862%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.573%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="36" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Associates</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Merlin Properties, SOCIMI, S.A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:3.9pt;font-weight:700;line-height:105%;position:relative;top:-2.1pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Metrovacesa, S.A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:3.9pt;font-weight:700;line-height:105%;position:relative;top:-2.1pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Pluxee Beneficios Brasil S.A.</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Zurich Santander Insurance Am&#233;rica, S.L. - Consolidated</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">CNP Santander</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Santander Caceis Latam Holding, S.L. - Consolidated</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">U.C.I., S.A. - 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decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-3795">1,341</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1711" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-3796">22,624</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1712" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-3797">2,304</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1713" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-3798">780</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1714" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-3799">9,273</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1715" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-3800">5,687</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1716" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-3801">2,100</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1717" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-3802">1,867</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1718" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-3803">2,231</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Current liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1708" decimals="-6" name="ifrs-full:CurrentLiabilities" scale="6" id="f-3804">840</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1709" decimals="-6" name="ifrs-full:CurrentLiabilities" scale="6" id="f-3805">507</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1712" decimals="-6" name="ifrs-full:CurrentLiabilities" scale="6" id="f-3808">186</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1713" decimals="-6" name="ifrs-full:CurrentLiabilities" scale="6" id="f-3809">315</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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contextRef="c-1710" decimals="-6" name="ifrs-full:NoncurrentLiabilities" scale="6" id="f-3817">578</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1711" decimals="-6" name="ifrs-full:NoncurrentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3818">21,021</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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contextRef="c-1709" decimals="-6" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-3849">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1710" decimals="-6" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-3850">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1716" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-3878">463</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1717" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-3879">484</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1718" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-3880">195</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td 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style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">14. <ix:nonNumeric contextRef="c-1" name="san:DisclosureOfInsuranceContractsLinkedToPensionsTextBlock" id="f-3925" continuedAt="f-3925-1" escape="true">Insurance contracts linked to pensions </ix:nonNumeric></span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfAmountsArisingFromInsuranceContractsLinkedToPensionsTableTextBlock" id="f-3926" escape="true"><ix:continuation id="f-3925-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Insurance contracts linked to pensions in the consolidated balance sheets 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:93.622%"><tr><td style="width:1.0%"/><td style="width:52.518%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.360%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.360%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.362%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets relating to insurance contracts covering post-employment benefit plan obligations:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1730" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreAssets" scale="6" id="f-3927">67</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1731" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreAssets" scale="6" id="f-3928">81</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1732" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreAssets" scale="6" id="f-3929">93</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreAssets" scale="6" id="f-3930">67</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreAssets" scale="6" id="f-3931">81</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreAssets" scale="6" id="f-3932">93</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:nonNumeric></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">202</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_955"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-185"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:24pt"><span id="ia0aae1f5a93d4587b8e19db82863accb"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">15. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfInsuranceContractsExplanatory" id="f-3933" continuedAt="f-3933-1" escape="true">Liabilities under insurance contracts</ix:nonNumeric></span></div><ix:continuation id="f-3933-1" continuedAt="f-3933-2"><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfNetGrossAndReinsurersShareForAmountsArisingFromInsuranceContractsExplanatory" id="f-3934" escape="true"><div style="margin-bottom:9pt;margin-top:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Liabilities under insurance contracts and reinsurance assets in the consolidated balance sheets (see                              note&#160;2.i) is as follows:</span></div><div style="margin-bottom:9pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.162%"><tr><td style="width:1.0%"/><td style="width:41.294%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.288%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.582%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.436%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities under insurance contracts</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3935">18,737</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3936">17,829</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3937">17,799</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Liability for Remaining Coverage (LRC)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1733" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3938">18,291</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1734" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3939">17,377</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1735" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3940">17,333</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td 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0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Current value of future cashflows (PVFCF)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1739" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3944">17,461</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1740" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3945">16,614</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1741" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3946">16,627</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Risk adjustment for non-financial risk (RA)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1742" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-3947">186</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1743" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-3948">199</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1744" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-3949">211</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Contractual service margin (CSM)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1745" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-3950">547</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1746" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-3951">479</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1747" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-3952">424</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Liabilities relating to insurance contracts measured under PAA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1748" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-3953">97</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1749" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-3954">85</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1750" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-3955">71</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Liability for incurred claims (LIC)</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1751" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-3956">446</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1752" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-3957">452</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1753" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" scale="6" id="f-3958">466</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="margin-bottom:9pt;margin-top:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The balance of liabilities under insurance contracts reflected in the consolidated balance sheet includes the following elements:</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Liability for Remaining Coverage (LRC): amount of obligations provisioned to meet the fulfilment of future services assigned to the group on a date for a specific coverage period.</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.6pt">Liabilities relating to insurance contracts measured under BBA/VFA, formed from the sum of the following elements:</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">-</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt">Current value of future cashflows (PVFCF): present value of future inflow and outflow cash flows weighted by their probability of occurrence.</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">-</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt">Risk adjustment for non-financial risk (RA): reflects compensation for the uncertainty of cash flows by quantifying the amount necessary to compensate for unexpected losses in liability flows.</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">-</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt">Contractual service margin (CSM): future benefit to be recognized during the coverage period. </span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.6pt">Liabilities relating to insurance contracts measured under PAA, valued using the premium allocation method, represent the portion of premiums written for the remaining hedge net of acquisition expenses.</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Liability for Incurred Claims (LIC): amount of obligations provisioned to meet the fulfilment of past services assigned to the group on a date. </span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:continuation id="f-3933-2"><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The insurance activity is carried out mainly in the life insurance sector in its life-savings modality. Within the amount of liabilities for insurance contracts, Individual Life Annuities are the product that has the greatest weight in the consolidated balance sheet. This product consists of life annuities where the client contributes a single premium and receives a constant and periodic insured income (monthly, quarterly, semi-annual or annual) until his death where, at that time, the beneficiaries will receive the insured capital of <ix:nonFraction unitRef="number" contextRef="c-1754" decimals="2" name="san:InsuredCapitalOfPremiumContributedPercentageReceivedByBeneficiaries" scale="-2" id="f-3959">102</ix:nonFraction>% or <ix:nonFraction unitRef="number" contextRef="c-1755" decimals="2" name="san:InsuredCapitalOfPremiumContributedPercentageReceivedByBeneficiaries" scale="-2" id="f-3960">101</ix:nonFraction>% of the premium contributed. </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:130%">The income and expenses recorded in the profit and loss account for the insurance activity, including reinsurance income and expenses, are not material in the Group's consolidated annual accounts.</span></div></div></ix:continuation></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">203</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_958"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-186"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:6pt;padding-right:263.62pt"><span id="ibd13d4770b18494aadbe01ef57a18182"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">16. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory" id="f-3961" continuedAt="f-3961-1" escape="true">Tangible assets</ix:nonNumeric></span></div><ix:continuation id="f-3961-1" continuedAt="f-3961-2"><div style="margin-bottom:6pt;padding-right:263.62pt"><span id="i0340b9d2788b4c1899c6ed0bceebd85f"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Changes</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfChangesInTangibleAssetsTableTextBlock" id="f-3962" continuedAt="f-3962-1" escape="true"><div style="padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in Tangible assets in the consolidated balance sheets were as follows:</span></div><div style="margin-top: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 style="width:26.587%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.767%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.767%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.178%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.969%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.389%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.767%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.767%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.736%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.973%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Tangible assets</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Of which: <br/>For leasing</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">For&#160;own&#160;use</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Leased out&#160;under<br/>an&#160;operating<br/>lease</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Investment<br/>property</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">For&#160;own&#160;use</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Leased out&#160;under<br/>an&#160;operating<br/>lease</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Investment<br/>property</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td 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decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-3966">53,316</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1760" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-3967">4,692</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1761" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-3968">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1762" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-3969">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1763" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-3970">4,692</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Additions / disposals (net) due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1764" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" scale="6" id="f-3971">11</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1765" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" scale="6" id="f-3972">37</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-3976">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1770" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-3977">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1766" decimals="-6" sign="-" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-3981">34</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1767" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-3982">1,830</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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contextRef="c-1769" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-3984">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1770" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-3985">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1771" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-3986">125</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfers, exchange differences and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1764" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-3987">1,460</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1765" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-3988">641</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1766" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-3989">30</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1767" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-3990">2,071</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-3992">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1770" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-3993">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1772" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-3995">26,243</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1773" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-3996">25,304</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1774" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-3997">1,576</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1775" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-3998">53,123</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1776" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-3999">4,837</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1777" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4000">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1778" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4001">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1779" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4002">4,837</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Additions / disposals (net) due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1780" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" scale="6" id="f-4003">28</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid 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name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4005">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1783" decimals="-6" sign="-" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:num-dot-decimal" scale="6" id="f-4006">1,164</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1784" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4007">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1785" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4008">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1786" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4009">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1787" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4010">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Additions / disposals (net)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1780" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4011">730</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1781" decimals="-6" sign="-" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4012">1,716</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1782" decimals="-6" sign="-" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4013">17</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1783" decimals="-6" sign="-" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4014">1,003</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1784" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4015">179</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1785" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4016">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 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id="f-4018">179</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfers, exchange differences and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1780" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4019">1,345</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1781" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4020">1,003</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1782" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4021">104</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1783" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4022">446</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4026">235</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 31 December 2024</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1788" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4027">25,656</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1789" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4028">23,399</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1792" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4031">4,781</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1793" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4032">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1794" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4033">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1795" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4034">4,781</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Additions / disposals (net) due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1796" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" scale="6" id="f-4035">4</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1797" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4036">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1798" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" scale="6" id="f-4037">7</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1799" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" scale="6" id="f-4038">11</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1800" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4039">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1801" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4040">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1802" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4041">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1803" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4042">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Additions / disposals (net)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1796" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4043">326</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1797" decimals="-6" sign="-" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4044">2,603</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1798" decimals="-6" sign="-" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4045">58</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1799" decimals="-6" sign="-" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4046">2,335</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1800" decimals="-6" sign="-" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4047">40</ix:nonFraction>)</span><span style="color:#000000;font-family:'Santander 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name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4049">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1803" decimals="-6" sign="-" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4050">40</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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contextRef="c-1797" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4052">1,743</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1798" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4053">188</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1799" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4054">3,400</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1800" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4055">450</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1801" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4056">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1802" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4057">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1803" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4058">450</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 31 December 2025</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1804" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4059">24,141</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1805" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4060">19,053</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1806" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4061">1,592</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1807" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4062">44,786</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1808" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4063">4,291</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1809" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4064">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1810" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4065">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1811" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4066">4,291</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">Accumulated depreciation</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Balances at 1 January 2023</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1812" decimals="-6" sign="-" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4067">12,892</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1813" decimals="-6" sign="-" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4068">5,578</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1814" decimals="-6" sign="-" name="san:TangibleAssets" scale="6" id="f-4069">172</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1815" decimals="-6" sign="-" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4070">18,642</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1816" decimals="-6" sign="-" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4071">2,265</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1817" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4072">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1818" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4073">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1819" decimals="-6" sign="-" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4074">2,265</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1820" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" scale="6" id="f-4075">7</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1821" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4076">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1822" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4077">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1823" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" scale="6" id="f-4078">7</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1824" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" scale="6" id="f-4079">7</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1825" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4080">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1826" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4081">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1827" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" scale="6" id="f-4082">7</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1820" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4083">284</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1821" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4084">2,540</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1822" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4085">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1823" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4086">2,824</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1824" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4087">160</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1825" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4088">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1826" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4089">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1827" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4090">160</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Charge for the&#160;year</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1820" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4091">1,689</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1821" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4092">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1822" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="f-4093">11</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1823" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4094">1,700</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1824" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="f-4095">580</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1825" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4096">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1826" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4097">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1827" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="f-4098">580</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfers, exchange differences and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1820" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4099">1,653</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1821" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4100">2,744</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1822" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4101">16</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1823" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4102">1,107</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1824" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4103">69</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1825" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4104">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1826" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4105">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1827" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4106">69</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;Balance at 31 December 2023</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1828" decimals="-6" sign="-" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4107">12,637</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1829" decimals="-6" sign="-" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4108">5,782</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1830" decimals="-6" sign="-" name="san:TangibleAssets" scale="6" id="f-4109">199</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1831" decimals="-6" sign="-" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4110">18,618</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1832" decimals="-6" sign="-" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4111">2,609</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1833" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4112">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1834" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4113">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1835" decimals="-6" sign="-" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4114">2,609</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Disposals due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1836" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4115">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1837" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" scale="6" id="f-4116">686</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1838" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4117">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1839" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" scale="6" id="f-4118">686</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1840" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4119">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1841" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4120">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1842" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4121">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1843" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4122">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1836" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4123">672</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1837" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4124">3,214</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1838" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4125">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1839" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4126">3,886</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1840" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4127">196</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1841" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4128">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1842" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4129">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1843" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4130">196</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Charge for the&#160;year</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1836" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4131">1,544</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1837" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4132">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1838" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="f-4133">9</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1839" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4134">1,553</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1840" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="f-4135">460</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1841" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4136">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1842" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4137">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1843" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="f-4138">460</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfers, exchange differences and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1836" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4139">890</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1837" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4140">2,902</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1838" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4141">46</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1839" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4142">1,966</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1840" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4143">59</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1841" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4144">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1842" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4145">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1843" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4146">59</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at 31 December 2024</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1844" decimals="-6" sign="-" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4147">12,619</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1845" decimals="-6" sign="-" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4148">4,784</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1846" decimals="-6" sign="-" name="san:TangibleAssets" scale="6" id="f-4149">162</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1847" decimals="-6" sign="-" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4150">17,565</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1848" decimals="-6" sign="-" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4151">2,814</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1849" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4152">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1850" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4153">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1851" decimals="-6" sign="-" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4154">2,814</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Disposals due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1852" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4155">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1853" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4156">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1854" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4157">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1855" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4158">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1856" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4159">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1857" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4160">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1858" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4161">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1859" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4162">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1852" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4163">663</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1853" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4164">2,428</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1854" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4165">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1855" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4166">3,091</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1856" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4167">177</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1857" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4168">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1858" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4169">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1859" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4170">177</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Charge for the&#160;year</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1852" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4171">1,323</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1853" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4172">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1854" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="f-4173">8</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1855" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4174">1,331</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1856" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="f-4175">405</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="c-1857" xsi:nil="true" name="ifrs-full:DepreciationPropertyPlantAndEquipment" id="f-4176"></ix:nonFraction></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1858" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4177">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1859" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="f-4178">405</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfers, exchange differences and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1852" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4179">1,150</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1853" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="6" id="f-4180">1,917</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1854" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4181">32</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1855" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4182">799</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1856" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4183">381</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1857" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4184">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1858" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4185">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1859" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4186">381</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 31 December 2025</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1860" decimals="-6" sign="-" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4187">12,129</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1861" decimals="-6" sign="-" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4188">4,273</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1862" decimals="-6" sign="-" name="san:TangibleAssets" scale="6" id="f-4189">202</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1863" decimals="-6" sign="-" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4190">16,604</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1864" decimals="-6" sign="-" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4191">2,661</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1865" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4192">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1866" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4193">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1867" decimals="-6" sign="-" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4194">2,661</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"> Includes contract extensions on operating leases and repurchases.</span></div></ix:nonNumeric></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">204</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-187"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-3962-1"><ix:continuation id="f-3961-2" continuedAt="f-3961-3"><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 style="width:27.913%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.767%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.767%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.736%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.380%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.389%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.620%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.767%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.736%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.825%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Tangible assets</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Of which: <br/>For leasing</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">For&#160;own&#160;use</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Leased out&#160;under<br/>an&#160;operating<br/>lease</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Investment<br/>property</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">For&#160;own&#160;use</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Leased out&#160;under<br/>an&#160;operating<br/>lease</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Investment<br/>property</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Impairment losses</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 1 January 2023</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1868" decimals="-6" sign="-" name="san:TangibleAssets" scale="6" id="f-4195">189</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1869" decimals="-6" sign="-" name="san:TangibleAssets" scale="6" id="f-4196">33</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1870" decimals="-6" sign="-" name="san:TangibleAssets" scale="6" id="f-4197">379</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1871" decimals="-6" sign="-" name="san:TangibleAssets" scale="6" id="f-4198">601</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1872" decimals="-6" sign="-" name="san:TangibleAssets" scale="6" id="f-4199">14</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1873" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4200">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1874" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4201">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1875" decimals="-6" sign="-" name="san:TangibleAssets" scale="6" id="f-4202">14</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment charge for the&#160;year</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1876" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4203">113</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1877" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4204">29</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1878" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4205">12</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1879" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4206">154</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1880" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4207">38</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1881" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4208">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1882" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4209">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1883" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4210">38</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Releases</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1876" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4211">4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1877" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4212">11</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1878" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4213">4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1879" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4214">19</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1880" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4215">3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1881" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4216">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1882" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4217">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1883" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4218">3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1879" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4222">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1880" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4223">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1881" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4224">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1882" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4225">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1883" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4226">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1876" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4227">36</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1877" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4228">&#8212;</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1878" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4229">4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1879" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4230">40</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1880" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4231">5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt 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#9c9c9c;padding:2px 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:105%">Exchange differences and other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1876" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4235">64</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1877" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4236">47</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1878" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4237">38</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1879" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4238">73</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1880" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4239">1</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1881" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4240">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1882" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4241">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1883" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4242">1</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4272">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1897" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4273">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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id="f-4280">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1897" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4281">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1898" 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1892" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4284">32</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1893" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4285">76</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1894" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4286">94</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1895" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4287">2</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1896" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4288">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1897" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4289">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1898" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4290">2</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 31 December 2024</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1899" decimals="-6" sign="-" name="san:TangibleAssets" scale="6" id="f-4291">401</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid 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#ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1903" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4296">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1904" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4297">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1905" decimals="-6" sign="-" name="san:TangibleAssets" scale="6" id="f-4298">49</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span 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name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4300">79</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1908" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4301">15</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1909" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4302">266</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1910" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4303">41</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid 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id="f-4310">137</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1910" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4311">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1911" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4312">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1912" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4313">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1913" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4314">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1906" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4315">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1907" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4316">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1908" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4317">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1909" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4318">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1910" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4319">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1911" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4320">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1912" decimals="-6" name="san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" format="ixt:fixed-zero" scale="6" id="f-4321">&#8212;</ix:nonFraction>&#160;</span></td><td 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#9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1906" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4323">17</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1907" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4324">17</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td 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#9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1910" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4327">6</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1911" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4328">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1912" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4329">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1913" decimals="-6" name="san:AdditionsAndDisposalsToPropertyPlantAndEquipment" scale="6" id="f-4330">6</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1906" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4331">166</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1907" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4332">3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1908" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4333">40</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1909" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4334">209</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1912" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" format="ixt:fixed-zero" scale="6" id="f-4337">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1913" decimals="-6" name="san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" scale="6" id="f-4338">9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at 31 December 2025</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1914" decimals="-6" sign="-" name="san:TangibleAssets" scale="6" id="f-4339">349</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4345">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1920" decimals="-6" sign="-" name="san:TangibleAssets" scale="6" id="f-4346">74</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1926" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4353">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1927" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4354">2,183</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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contextRef="c-1929" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4356">18,576</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1930" decimals="-6" name="san:TangibleAssets" scale="6" id="f-4357">875</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4358">32,087</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1931" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4359">1,918</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1940" decimals="-6" name="san:TangibleAssets" format="ixt:fixed-zero" scale="6" id="f-4369">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1941" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4370">1,556</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">205</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-188"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-3961-3"><div style="margin-bottom:6pt;margin-top:9pt;padding-right:263.62pt"><span id="ie70e308cec65483b850a98316c6d2a29"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Tangible assets - For own use</span></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDetailedInformationAboutPropertyPlantAndEquipmentExplanatory" id="f-4371" escape="true"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by class of asset, of 'Property, plant and equipment' which is owned by the Group in the consolidated balance sheets is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:15pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:48.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.754%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Tangible assets for own use</span></div></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Of which: <br/>for leasing</span></td></tr><tr style="height:21pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Accumulated<br/>depreciation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Impairment<br/>losses</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Carrying<br/>amount</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Land and buildings</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1942" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4372">14,973</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1943" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4373">5,010</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1944" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4374">154</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1945" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4375">9,809</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1946" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4376">2,104</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">IT equipment and fixtures</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1947" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4377">5,614</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1948" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4378">4,154</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1949" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:fixed-zero" scale="6" id="f-4379">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1950" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4380">1,460</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1951" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4381">60</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Furniture and vehicles</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1952" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4382">5,412</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1953" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4383">3,424</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1954" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:fixed-zero" scale="6" id="f-4384">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1955" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4385">1,988</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1956" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4386">19</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Construction in progress and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1957" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4387">244</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1958" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4388">49</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1959" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4389">44</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1960" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4390">151</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td 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style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1964" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4394">198</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1965" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4395">13,408</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1966" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4396">2,183</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Land and buildings</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1967" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4397">15,113</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1968" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4398">5,516</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1969" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4399">353</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1970" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4400">9,244</ix:nonFraction>&#160;</span></td><td 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0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1972" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4402">5,283</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1973" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4403">3,926</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1974" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:fixed-zero" scale="6" id="f-4404">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1975" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4405">1,357</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1976" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4406">23</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Furniture and vehicles</span></td><td 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id="f-4408">3,130</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1979" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:fixed-zero" scale="6" id="f-4409">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1980" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4410">1,833</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1981" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4411">13</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1990" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4420">12,636</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1991" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4421">1,918</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span 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sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4423">5,359</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1994" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4424">304</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1995" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4425">8,404</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1996" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4426">1,536</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">IT equipment and fixtures</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1997" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4427">4,204</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1998" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4428">3,003</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1999" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4429">10</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2000" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4430">1,191</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2001" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4431">13</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2003" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4433">3,746</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2004" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4434">1</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2005" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4435">1,801</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2006" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4436">7</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2016" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4446">1,556</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The carrying amount at 31 December 2025 in the foregoing table includes the following approximate amounts EUR <ix:nonFraction unitRef="eur" contextRef="c-2017" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4447">6,545</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2018" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4448">6,531</ix:nonFraction> million at 31 December 2024 and EUR <ix:nonFraction unitRef="eur" contextRef="c-2019" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4449">7,119</ix:nonFraction> million at 31 December 2023) relating to property, plant and equipment owned by group entities and branches located abroad.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="ie44cf85f37334d84a1cbcb2c9720d4fa"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Tangible assets - Leased out under an operating lease</span></div><div style="margin-bottom:9pt;margin-top:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander has assets leased out under operating leases where the company is the lessor and do not meet the accounting requirements to be classified as finance leases. The net cost of these leases is recorded as an asset and depreciated on a straight-line basis over the contractual term of the lease to the expected residual value.</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:130%">The expected residual value and, consequently, the monthly depreciation expense may change during the term of the lease. The Group estimates expected residual values using independent data sources and internal statistical models. It also assesses the estimate of the residual value of these leases and adjusts the depreciation rate in line with the change in the expected value of the asset at the end of the lease.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander periodically assesses its investment in operating leases for impairment in certain circumstances, such as a systemic and material decrease in the values of used vehicles. If assets leased out under operating leases are deemed to be impaired, impairment is measured as the amount by which the carrying amount of the assets exceeds the fair value as estimated by discounted cash flows.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Of the <ix:nonFraction unitRef="eur" contextRef="c-1936" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4450">14,753</ix:nonFraction> EUR million that the Group had assigned to operating leases at 31 December 2025 (<ix:nonFraction unitRef="eur" contextRef="c-1929" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4451">18,576</ix:nonFraction> EUR and <ix:nonFraction unitRef="eur" contextRef="c-1922" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4452">19,518</ix:nonFraction> EUR at 31 December 2024  and 2023, respectively), EUR <ix:nonFraction unitRef="eur" contextRef="c-2020" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4453">7,227</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2021" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4454">11,336</ix:nonFraction> and EUR <ix:nonFraction unitRef="eur" contextRef="c-2022" decimals="-6" name="san:TangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-4455">12,525</ix:nonFraction> at 31 December 2024 and 2023, respectively) relate to vehicles of Santander US Auto's business. The variable lease payments of various items of this business are not significant.</span></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsExplanatory" id="f-4456" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, the maturity analysis of the assets leased out under operating leases from Santander US Auto, 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:99.782%"><tr><td style="width:1.0%"/><td style="width:84.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.407%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Maturity Analysis</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2023" decimals="-6" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" format="ixt:num-dot-decimal" scale="6" id="f-4457">3,988</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2026</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2024" decimals="-6" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" format="ixt:num-dot-decimal" scale="6" id="f-4458">4,228</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2027</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2025" decimals="-6" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" format="ixt:num-dot-decimal" scale="6" id="f-4459">1,332</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2028</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2026" decimals="-6" name="ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived" scale="6" id="f-4460">330</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="margin-bottom:6pt;margin-top:9pt"><span id="ib69bf162a10d4e59976880d4d60982d1"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Tangible assets - Investment property</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:130%">The fair value of investment property at 31 December 2025, 2024, 2023 amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-1937" decimals="-6" name="ifrs-full:FairValueOfPropertyPlantAndEquipmentMateriallyDifferentFromCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-4461">1,194</ix:nonFraction>, <ix:nonFraction unitRef="eur" contextRef="c-1930" decimals="-6" name="ifrs-full:FairValueOfPropertyPlantAndEquipmentMateriallyDifferentFromCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-4462">1,041</ix:nonFraction> and <ix:nonFraction unitRef="eur" contextRef="c-1923" decimals="-6" name="ifrs-full:FairValueOfPropertyPlantAndEquipmentMateriallyDifferentFromCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-4463">1,163</ix:nonFraction> million, respectively. A comparison of the fair value of investment property at 31 December 2025, 2024 and 2023 with the net book value shows gross unrealised gains of EUR <ix:nonFraction unitRef="eur" contextRef="c-2027" decimals="-6" name="san:UnrealizedGainsLossesOnFairValueAdjustment" scale="6" id="f-4464">172</ix:nonFraction>, <ix:nonFraction unitRef="eur" contextRef="c-2028" decimals="-6" name="san:UnrealizedGainsLossesOnFairValueAdjustment" scale="6" id="f-4465">166</ix:nonFraction> and <ix:nonFraction unitRef="eur" contextRef="c-2029" decimals="-6" name="san:UnrealizedGainsLossesOnFairValueAdjustment" scale="6" id="f-4466">207</ix:nonFraction> million, respectively, attributed completely to the group.</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:130%">The rental income earned from investment property and the direct costs related both to investment properties that generated rental income in 2025, 2024 and 2023 and to investment properties that did not generate rental income in those years are not material in the context of the consolidated financial statements.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">206</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_961"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-189"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:5pt;margin-top:15pt"><span id="ifef8ff8841f64846aa9ee888f345cb8d"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">17. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfGoodwillExplanatory" id="f-4467" continuedAt="f-4467-1" escape="true">Intangible assets &#8211; Goodwill</ix:nonNumeric></span></div><ix:continuation id="f-4467-1" continuedAt="f-4467-2"><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfDetailedInformationAboutGoodwillTableTextBlock" id="f-4468" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of goodwill, based on the cash-generating units giving rise thereto, is as follows:</span></div><div style="margin-bottom:3pt"><table 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id="f-4469">3,031</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2031" decimals="-6" name="ifrs-full:Goodwill" format="ixt:num-dot-decimal" scale="6" id="f-4470">3,079</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2032" decimals="-6" 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2065" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-4504">206</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Bank Polska</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander 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contextRef="c-2069" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-4508">354</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2070" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-4509">335</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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name="ifrs-full:DisclosureOfReconciliationOfChangesInGoodwillExplanatory" id="f-4514" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in goodwill were 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:99.782%"><tr><td style="width:1.0%"/><td style="width:55.690%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.097%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.407%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at beginning of year</span></td><td colspan="2" 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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:105%">Transfer to Assets held for sale (Notes 3 y 12)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4527">1,176</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill" format="ixt:fixed-zero" scale="6" id="f-4528">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill" format="ixt:fixed-zero" scale="6" id="f-4529">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="f-4530">291</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="f-4531">605</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="f-4532">240</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at end of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:Goodwill" format="ixt:num-dot-decimal" scale="6" id="f-4533">11,958</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:Goodwill" format="ixt:num-dot-decimal" scale="6" id="f-4534">13,438</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:Goodwill" format="ixt:num-dot-decimal" scale="6" id="f-4535">14,017</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="margin-bottom:3pt;text-indent:10.91pt"><span><br/></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:130%">Grupo Santander has goodwill generated by cash-generating units located in non-euro currency countries (mainly Brazil, Poland, the United States, the United Kingdom, Chile, Mexico, Norway and Sweden) and, therefore, this gives rise to exchange differences on the translation to euros, at closing rates, of the amounts of goodwill denominated in foreign currencies. Accordingly, in 2025 there was a decrease of EUR <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="f-4536">291</ix:nonFraction> million (a decrease of EUR <ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="f-4537">605</ix:nonFraction> million in 2024 and an increase of EUR <ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" scale="6" id="f-4538">240</ix:nonFraction> million in 2023), due to exchange differences and other items which, pursuant to current standards, were recognised with a change to 'Other comprehensive income - Items that may be reclassified to profit or loss - Exchange differences in other comprehensive income in the consolidated statement of recognised income and expense' (see note 29.d).</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:130%">At least once per year (or whenever there is any indication of impairment), Grupo Santander performs an analysis of the potential impairment of its recorded goodwill with respect to its recoverable amount. The first step that must be taken in order to perform this analysis is the identification of the cash-generating units, which are the Group's smallest identifiable groups of assets that generate cash inflows that are largely independent of the cash flows of other assets or groups of assets.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:continuation id="f-4467-2" continuedAt="f-4467-3"><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The amount to be recovered of each cash-generating unit is determined taking into consideration the carrying amount (including any fair value adjustment arising on the business combination) of all the assets and liabilities of all the independent legal entities composing the cash-generating unit, together with the related goodwill.</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:130%">The amount to be recovered of the cash-generating unit is compared with its recoverable amount in order to determine whether there is any impairment.</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:130%">Grupo Santander assesses the existence of any indication that might be considered to be evidence of impairment of the cash-generating unit by reviewing information including the following (i)&#160;certain macroeconomic variables that might affect its investments (population data, political situation, economic situation&#160;&#8212;including banking concentration level&#8212;, among others) and (ii)&#160;various microeconomic variables comparing the investments of the Group with the financial services industry of the country in which the cash-generating unit carries on most of its business activities (balance sheet composition, total funds under management, results, efficiency ratio, capital adequacy ratio, return on equity, among others).</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:130%">Regardless of whether there is any indication of impairment, every&#160;year the Group calculates the recoverable amount of each cash-generating unit to which goodwill, has been allocated and, to this end, it uses price quotations, market references (multiples), internal estimates and valuations performed by internal and external experts.</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:130%">Firstly, the Group determines the recoverable amount by calculating the fair value of each cash-generating unit on the basis of the quoted price of the cash-generating units, if available.</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:130%">In addition, the Group performs estimates of the recoverable amounts of certain cash-generating units by calculating their value in use using discounted cash flow projections. The main assumptions used in this calculation are (i)&#160;earnings projections based on the financial budgets approved by the Group&#8217;s directors which cover between <span style="-sec-ix-hidden:f-4539">three</span> and <ix:nonNumeric contextRef="c-2076" name="san:RecoverableAmountsOfCertainCashGeneratingUnitsPeriodUsedInEstimate" format="ixt-sec:durwordsen" id="f-4540">five year</ix:nonNumeric> periods (unless a longer time horizon can be justified), (ii)&#160;discount rates determined as the cost of capital taking into account the risk-free rate of return plus a risk premium in line with the market and the business in which the units operate and (iii)&#160;constant growth rates used in order to extrapolate earnings in perpetuity which do not exceed the long-term average growth rate for the market in which the cash-generating unit in question operates.</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:130%">The cash flow projections used by Group management to obtain the values in use are based on the financial budgets approved by both local management of the related local units and the Group&#8217;s directors. The Group&#8217;s budgetary estimation process is common for all the cash-generating units. The local management teams prepare their budgets using the following key assumptions:</span></div><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a)&#160;&#160;&#160;&#160;Microeconomic variables of the cash-generating unit: management takes into consideration the current balance sheet structure, the product mix and the business decisions taken by local management in this regard.</span></div></div></ix:continuation></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">207</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-190"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-4467-3"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b)&#160;&#160;&#160;&#160;Macroeconomic variables: growth is estimated on the basis of the changing environment, taking into consideration expected GDP growth in the unit&#8217;s geographical location and forecast trends in interest and exchange rates. These data, which are based on external information sources, are provided by the Group&#8217;s economic research service.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c)&#160;&#160;&#160;&#160;Past performance variables: in addition, management takes into consideration in the projection the difference (both positive and negative) between the cash-generating unit&#8217;s past performance and budgets.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">During 2025, the Group has recognised impairment losses of EUR <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" scale="6" id="f-4541">4</ix:nonFraction> million of immaterial goodwill that has been recorded under the heading 'Impairment or reversal of the impairment of non-financial assets - Intangible assets' (EUR <ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" scale="6" id="f-4542">4</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" scale="6" id="f-4543">20</ix:nonFraction> million in 2024 and 2023, respectively). Goodwill is deducted from CET1 for regulatory purposes, so an impairment of goodwill has no impact on the Group's capital ratios.</span></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesExplanatory" id="f-4544" continuedAt="f-4544-1" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is a detail of the main assumptions taken into account in determining the recoverable amount, at 2025 year-end, of the most significant cash-generating units which were valued using the discounted cash flow method:</span></div></ix:nonNumeric></div></div><ix:continuation id="f-4544-1"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:51.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.754%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Projected period</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Discount rate</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Nominal<br/>perpetual<br/>growth&#160;rate</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Santander UK</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonNumeric contextRef="c-2077" name="san:PeriodOverWhichManagementHasProjectedCashFlows" format="ixt-sec:duryear" id="f-4545">5</ix:nonNumeric> years</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2051" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4546">12.4</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2051" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4547">2.5</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander US Auto</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonNumeric contextRef="c-2078" name="san:PeriodOverWhichManagementHasProjectedCashFlows" format="ixt-sec:duryear" id="f-4548">3</ix:nonNumeric> years</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2045" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4549">11.5</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2045" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4550">3.0</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Santander Holding USA (ex. Auto)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonNumeric contextRef="c-2079" name="san:PeriodOverWhichManagementHasProjectedCashFlows" format="ixt-sec:duryear" id="f-4551">5</ix:nonNumeric> years</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2048" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4552">13.6</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2048" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4553">3.5</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Consumer Germany</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonNumeric contextRef="c-2080" name="san:PeriodOverWhichManagementHasProjectedCashFlows" format="ixt-sec:duryear" id="f-4554">5</ix:nonNumeric> years</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2036" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4555">9.5</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2036" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4556">2.5</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">SAM Investment Holdings, Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonNumeric contextRef="c-2081" name="san:PeriodOverWhichManagementHasProjectedCashFlows" format="ixt-sec:duryear" id="f-4557">5</ix:nonNumeric> years</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2033" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4558">11.5</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2033" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4559">2.5</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Portugal</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonNumeric contextRef="c-2082" name="san:PeriodOverWhichManagementHasProjectedCashFlows" format="ixt-sec:duryear" id="f-4560">5</ix:nonNumeric> years</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2039" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4561">10.6</ix:nonFraction></span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2039" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4562">2.5</ix:nonFraction>%</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Post-tax discount rate.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Weighted information of the main assumptions of the segments to which goodwill has been allocated.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The discount and nominal perpetual growth rates taken into account in 2024 and 2023 are presented below for comparison purposes:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:51.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.755%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Discount rate</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Nominal<br/>perpetual<br/>growth&#160;rate</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Santander UK</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2052" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4563">11.8</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2053" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4564">11.9</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2052" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4565">2.5</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2053" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4566">2.5</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Bank Polska</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2067" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4567">12.9</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2068" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4568">13.2</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2067" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4569">5.0</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2068" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4570">5.0</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander US Auto</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2046" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4571">12.2</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2047" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4572">12.8</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2046" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4573">3.0</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2047" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4574">3.0</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Santander Holding USA (ex. Auto)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2049" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4575">13.4</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2050" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4576">13.4</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2049" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4577">3.5</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2050" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4578">3.5</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Consumer Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2037" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4579">9.1</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2038" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4580">9.7</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2037" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4581">2.0</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2038" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4582">2.3</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">SAM Investment Holdings, Limited</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2034" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4583">11.6</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2035" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4584">11.6</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2034" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4585">2.5</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2035" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4586">2.5</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Portugal</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2040" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4587">10.2</ix:nonFraction></span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2041" decimals="3" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4588">11.2</ix:nonFraction></span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2040" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4589">2.5</ix:nonFraction></span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2041" decimals="3" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4590">2.5</ix:nonFraction></span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Post-tax discount rate.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Weighted information of the main assumptions of the segments to which goodwill has been allocated.</span></div></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The variations reflected in the assumptions used in 2025 are mainly a consequence of the current macroeconomic scenario, as well as the level of inflation.</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:130%">Given the degree of uncertainty of the above key assumptions on which the recoverable amount of the cash-generating units is based, the Group performs a sensitivity analysis which consisted of adjusting  +/- <ix:nonFraction unitRef="number" contextRef="c-1" decimals="4" name="san:SensitivityAnalysisDiscountRateAdjustmentIncrease" scale="-4" id="f-4591"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="4" name="san:SensitivityAnalysisDiscountRateAdjustmentDecrease" scale="-4" id="f-4592">50</ix:nonFraction></ix:nonFraction> basis points  the discount rate, adjusting +/- <ix:nonFraction unitRef="number" contextRef="c-1" decimals="4" name="san:SensitivityAnalysisPerpetuityGrowthRateAdjustmentDecrease" scale="-4" id="f-4593"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="4" name="san:SensitivityAnalysisPerpetuityGrowthRateAdjustmentIncrease" scale="-4" id="f-4594">50</ix:nonFraction></ix:nonFraction> basis points  the growth rate in perpetuity and reducing the cash flow projections by <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="san:SensitivityAnalysisCashFlowProjectionsDecrease" scale="-2" id="f-4595">5</ix:nonFraction>%. These changes in the key assumptions in isolation mean that the recoverable amount of all the cash-generating units continues to exceed their amount to be recovered and have been considered by the Group as reasonably possible changes in the business operations of the cash-generating units are not contemplated.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The recoverable amount of Banco Santander - Chile and Banco Santander (Brasil) was calculated as the fair values of the aforementioned cash-generating units obtained from the quoted market prices of their shares at year-end. This value exceeded the amount to be recovered. A significant reduction in the quoted market prices of these cash generating unit could result in an indication of impairment which in turn may lead to a goodwill impairment charge in the future.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">208</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_964"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-191"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:24pt;padding-right:85.04pt"><span id="id8269136429c4d3592eed9b260d785ad"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">18. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfIntangibleAssetsExplanatory" id="f-4596" continuedAt="f-4596-1" escape="true">Intangible assets - Other intangible assets</ix:nonNumeric></span></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDetailedInformationAboutIntangibleAssetsExplanatory" id="f-4597" continuedAt="f-4597-1" escape="true"><ix:continuation id="f-4596-1" continuedAt="f-4596-2"><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Intangible assets&#160;- Other intangible assets in the consolidated balance sheets and of the changes therein in 2025, 2024, and 2023 is as follows:</span></div></ix:continuation></ix:nonNumeric></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><ix:continuation id="f-4597-1" continuedAt="f-4597-2"><ix:continuation id="f-4596-2" continuedAt="f-4596-3"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:22.603%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.238%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Estimated<br/>useful&#160;life</span></td><td colspan="3" style="padding:2px 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:105%">1 January 2025</span></td><td colspan="3" style="padding:2px 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:105%">Net&#160;<br/>additions<br/>and<br/>disposals</span></td><td colspan="3" style="padding:2px 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:105%">Change&#160;in<br/>scope&#160;of<br/>consolidation</span></td><td colspan="3" style="padding:2px 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:105%">Amortization<br/>and<br/>impairment</span></td><td colspan="3" style="padding:2px 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:105%">Application&#160;of<br/>amortization<br/>and<br/>impairment</span></td><td colspan="3" style="padding:2px 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:105%">Exchange<br/>differences<br/>and&#160;other</span></td><td colspan="3" style="padding:2px 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:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cost</span></td><td colspan="3" style="border-top:0.5pt solid 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id="f-4599">1,714</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1799" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4600">20</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1799" decimals="-6" sign="-" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4601">1,286</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1799" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4602">1,179</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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#9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2084" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4606">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2084" decimals="-6" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4607">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2084" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4608">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2085" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-4609">32</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">IT developments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonNumeric contextRef="c-2086" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill" format="ixt-sec:duryear" id="f-4610">3</ix:nonNumeric>-<ix:nonNumeric contextRef="c-2087" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill" format="ixt-sec:duryear" id="f-4611">10</ix:nonNumeric> years</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2088" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4612">13,322</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2089" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4613">1,713</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2089" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4614">7</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2089" decimals="-6" sign="-" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4615">1,286</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2089" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4616">1,084</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2090" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4617">12,658</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2091" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4618">1,907</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2092" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4619">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2092" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4620">13</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2092" decimals="-6" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4621">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2092" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4622">95</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2093" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4623">1,800</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Accumulated amortisation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1847" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4624">9,235</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td 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id="f-4626">12</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1855" decimals="-6" name="san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4627">1,847</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1855" decimals="-6" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4628">1,228</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1855" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4629">795</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1863" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4630">9,047</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Development</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2094" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4631">8,312</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2095" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4632">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2095" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4633">6</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2095" decimals="-6" name="san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2097" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-4638">923</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2098" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4639">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2098" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4640">6</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2098" decimals="-6" name="san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4641">132</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2098" decimals="-6" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4642">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2098" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4643">72</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2099" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-4644">977</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment losses</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-971" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-4645">205</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1909" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4646">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1909" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4647">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1909" decimals="-6" name="san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4648">108</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1909" decimals="-6" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4649">58</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1909" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4650">162</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-970" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-4651">93</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which addition</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1909" decimals="-6" name="san:AmortisationAndImpairmentAdditionsIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4652">108</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Of which Liberation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="c-1909" xsi:nil="true" name="san:AmortisationAndImpairmentLiberationsIntangibleAssetsOtherThanGoodwill" id="f-4653"></ix:nonFraction></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4654">5,821</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4655">1,714</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4656">8</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4657">1,955</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4658">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4659">222</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4660">5,350</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:22.603%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.386%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Estimated<br/>useful&#160;life</span></td><td colspan="3" style="padding:2px 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:105%">1 January 2024</span></td><td colspan="3" style="padding:2px 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:105%">Net&#160;<br/>additions<br/>and<br/>disposals</span></td><td colspan="3" style="padding:2px 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:105%">Change&#160;in<br/>scope&#160;of<br/>consolidation</span></td><td colspan="3" style="padding:2px 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:105%">Amortization<br/>and<br/>impairment</span></td><td colspan="3" style="padding:2px 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:105%">Application&#160;of<br/>amortization<br/>and<br/>impairment</span></td><td colspan="3" style="padding:2px 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:105%">Exchange<br/>differences<br/>and&#160;other</span></td><td colspan="3" style="padding:2px 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:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1775" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4661">14,773</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1783" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4662">2,104</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1783" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4663">8</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1783" decimals="-6" sign="-" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4664">1,169</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1783" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4665">439</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1791" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4666">15,261</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Brand names</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2100" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-4667">40</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2101" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4668">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2101" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4669">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2101" decimals="-6" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4670">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2101" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4671">8</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2083" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-4672">32</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">IT developments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonNumeric contextRef="c-2102" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill" format="ixt-sec:duryear" id="f-4673">3</ix:nonNumeric>-<ix:nonNumeric contextRef="c-2103" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill" format="ixt-sec:duryear" id="f-4674">10</ix:nonNumeric> years</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2104" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4675">12,867</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2105" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4676">2,104</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2105" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4677">8</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2105" decimals="-6" sign="-" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4678">1,169</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2105" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4679">472</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2088" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4680">13,322</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2106" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4681">1,866</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2107" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4682">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2107" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4683">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2107" decimals="-6" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4684">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2107" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4685">41</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2091" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4686">1,907</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Accumulated amortisation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1831" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4687">8,851</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 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scale="6" id="f-4689">6</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1839" decimals="-6" name="san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4690">1,626</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1839" decimals="-6" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4691">1,062</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1839" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4692">174</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1847" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4693">9,235</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Development</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2108" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4694">8,078</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2109" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4695">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2109" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4696">6</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2109" decimals="-6" name="san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4697">1,546</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2109" decimals="-6" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4698">1,062</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2109" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4699">244</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2094" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4700">8,312</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2110" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-4701">773</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2111" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4702">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2111" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4703">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2111" decimals="-6" name="san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4704">80</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2111" decimals="-6" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4705">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2111" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4706">70</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2097" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-4707">923</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment losses</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-972" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-4708">68</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1894" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4709">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1894" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4710">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1894" decimals="-6" name="san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4711">227</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1894" decimals="-6" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4712">107</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1894" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4713">17</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-971" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-4714">205</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which addition</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1894" decimals="-6" name="san:AmortisationAndImpairmentAdditionsIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4715">227</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Of which Liberation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1894" decimals="-6" name="san:AmortisationAndImpairmentLiberationsIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4716">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4717">5,854</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4718">2,104</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4719">2</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4720">1,853</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4721">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4722">282</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4723">5,821</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div style="margin-bottom:9pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">209</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-192"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-4597-2"><ix:continuation id="f-4596-3" continuedAt="f-4596-4"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"/><td style="width:22.674%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.369%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.261%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.369%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.449%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.152%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.746%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.815%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.265%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Estimated<br/>useful&#160;life</span></td><td colspan="3" style="padding:2px 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:105%">1 January 2023</span></td><td colspan="3" style="padding:2px 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:105%">Net&#160;<br/>additions<br/>and<br/>disposals</span></td><td colspan="3" style="padding:2px 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:105%">Change&#160;in<br/>scope&#160;of<br/>consolidation</span></td><td colspan="3" style="padding:2px 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:105%">Amortization<br/>and<br/>impairment</span></td><td colspan="3" style="padding:2px 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:105%">Application&#160;of<br/>amortization<br/>and<br/>impairment</span></td><td colspan="3" style="padding:2px 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:105%">Exchange<br/>differences<br/>and&#160;other</span></td><td colspan="3" style="padding:2px 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:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1759" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4724">12,502</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1767" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4725">2,197</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1767" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4726">176</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1767" decimals="-6" sign="-" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4727">230</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1767" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4728">128</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1775" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4729">14,773</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Brand names</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2112" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-4730">33</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2113" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4731">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2113" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4732">8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2113" decimals="-6" sign="-" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4733">2</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2113" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4734">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2100" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-4735">40</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">IT developments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonNumeric contextRef="c-2114" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill" format="ixt-sec:duryear" id="f-4736">3</ix:nonNumeric>-<ix:nonNumeric contextRef="c-2115" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill" format="ixt-sec:duryear" id="f-4737">10</ix:nonNumeric> years</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2116" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4738">10,721</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2117" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4739">2,197</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2117" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4740">18</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2117" decimals="-6" sign="-" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4741">196</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2117" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4742">127</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2104" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4743">12,867</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2118" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4744">1,748</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2119" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4745">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2119" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4746">150</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2119" decimals="-6" sign="-" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4747">32</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2119" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4748">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2106" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4749">1,866</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Accumulated amortisation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1815" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4750">7,554</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1823" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4751">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1823" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4752">5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1823" decimals="-6" name="san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4753">1,386</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1823" decimals="-6" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4754">209</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1823" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4755">125</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1831" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4756">8,851</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2121" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4758">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2121" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4759">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2121" decimals="-6" name="san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4760">1,294</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2121" decimals="-6" name="san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4761">177</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2121" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4762">95</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2108" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4763">8,078</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2122" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" scale="6" id="f-4764">688</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2123" decimals="-6" name="san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" format="ixt:fixed-zero" scale="6" id="f-4765">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2123" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4766">5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2123" decimals="-6" name="san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4767">92</ix:nonFraction>)</span></td><td style="border-top:0.25pt 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Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of 'Other' of 'Other assets' 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:93.007%"><tr><td style="width:1.0%"/><td style="width:57.509%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.800%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.145%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.146%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:OtherReceivables" scale="6" id="f-4794">246</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net pension plan assets (note&#160;25)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:RecognisedAssetsDefinedBenefitPlan" scale="6" id="f-4795">784</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:RecognisedAssetsDefinedBenefitPlan" scale="6" id="f-4796">677</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:RecognisedAssetsDefinedBenefitPlan" format="ixt:num-dot-decimal" scale="6" id="f-4797">1,001</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Prepayments and accrued income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:PrepaymentsAndAccruedIncome" format="ixt:num-dot-decimal" scale="6" id="f-4798">3,121</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:PrepaymentsAndAccruedIncome" format="ixt:num-dot-decimal" scale="6" id="f-4799">3,016</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:PrepaymentsAndAccruedIncome" format="ixt:num-dot-decimal" scale="6" id="f-4800">2,911</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:OtherMiscellaneousAssets" format="ixt:num-dot-decimal" scale="6" id="f-4801">4,376</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:OtherMiscellaneousAssets" format="ixt:num-dot-decimal" scale="6" id="f-4802">4,310</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:OtherMiscellaneousAssets" format="ixt:num-dot-decimal" scale="6" id="f-4803">4,598</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:OtherNonfinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4804">8,645</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:OtherNonfinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4805">8,472</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:OtherNonfinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4806">8,756</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:nonNumeric></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">210</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_973"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-193"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:24pt"><span id="i715b07b71ce441e8af9f237104400353"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">20. <ix:nonNumeric 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style="width:1.0%"/><td style="width:13.947%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.947%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.948%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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unitRef="eur" contextRef="c-282" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4869">6,783</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-283" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4870">7,459</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span 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name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4872">18,725</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2149" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4873">16,794</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2153" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4877">158,642</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div></ix:nonNumeric><div 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As of 2023, the balance of such financing amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-2156" decimals="-6" name="san:DepositsFromCentralBanksAtAmortisedCostDueToParticipationInRefinancingOperationsProgram" format="ixt:num-dot-decimal" scale="6" id="f-4880">11,583</ix:nonFraction> million, all corresponding to the TLTRO III financing program. </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:130%">At 31 December 2025, <ix:nonFraction unitRef="eur" contextRef="c-2157" decimals="-6" name="san:IncomeExpenseFromParticipationInRefinancingOperationsProgram" format="ixt:fixed-zero" scale="0" id="f-4881">no</ix:nonFraction> expense has been recognized in the consolidated income statement corresponding to TLTRO III (expenses of EUR <ix:nonFraction unitRef="eur" contextRef="c-2158" decimals="-6" sign="-" name="san:IncomeExpenseFromParticipationInRefinancingOperationsProgram" scale="6" id="f-4882">158</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-2159" decimals="-6" sign="-" name="san:IncomeExpenseFromParticipationInRefinancingOperationsProgram" scale="6" id="f-4883">659</ix:nonFraction> million at 31 December 2024 and 2023, respectively, as a result of the conditions of the financing programme).</span></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"><ix:continuation id="f-4807-2">Note&#160;51 contains a detail of the residual maturity periods of financial liabilities at amortised cost</ix:continuation>.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_976"></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="i55d65560e50146f693664bd3de23be08"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">21. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDepositsFromCustomersExplanatory" id="f-4884" continuedAt="f-4884-1" escape="true">Customer deposits</ix:nonNumeric></span></div><ix:continuation id="f-4884-1"><ix:nonNumeric contextRef="c-1" name="san:ScheduleOfCustomerDepositsTableTextBlock" id="f-4885" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by classification, geographical area and type, of Customer deposits 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:99.782%"><tr><td style="width:1.0%"/><td style="width:49.517%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.259%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4887">18,984</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-49" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4888">19,837</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span 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format="ixt:num-dot-decimal" scale="6" id="f-4925">1,487</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2185" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4926">1,525</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2186" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4927">1,789</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Repurchase agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2187" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4928">96,791</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2188" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4929">78,317</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2189" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4930">78,822</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-47" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4931">1,041,200</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-48" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4932">1,055,936</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-49" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4933">1,047,169</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">According to the geography of the legal entity.</span></div></ix:nonNumeric><div style="text-indent:6.66pt"><span><br/></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:130%">Note&#160;51 contains a detail of the residual maturity periods of financial liabilities at amortised cost.</span></div></ix:continuation></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">211</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_979"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-194"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:24pt"><span id="i2af3cb85cf104369b9cb2339d8cc59f3"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">22. <ix:nonNumeric contextRef="c-1" name="san:ScheduleOfMarketDebtSecuritiesTextBlock" id="f-4934" continuedAt="f-4934-1" escape="true">Marketable debt securities</ix:nonNumeric></span></div><ix:continuation id="f-4934-1" continuedAt="f-4934-2"><div style="margin-bottom:6pt;margin-top:6pt"><span id="i03474f18b154408e879f426e609f26fd"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown</span></div><ix:nonNumeric contextRef="c-1" name="san:ScheduleOfMarketableDebtSecuritiesTableTextBlock" id="f-4935" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by classification and type, of Marketable debt securities is as follows:</span></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:49.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.259%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Type</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Bonds and debentures outstanding</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2190" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4948">253,893</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2191" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4949">252,765</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction 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format="ixt:num-dot-decimal" scale="6" id="f-4953">30,529</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Notes&#160;and other securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2196" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4954">41,638</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-51" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4958">325,521</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="width:11.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.198%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Within 3 months</span></td><td colspan="3" style="padding:2px 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:105%">3 to 12<br/>months</span></td><td colspan="3" style="padding:2px 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1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Subordinated debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2199" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:fixed-zero" scale="6" id="f-4961">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2200" decimals="-6" name="ifrs-full:FinancialLiabilities" scale="6" id="f-4962">798</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2201" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4963">1,760</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2202" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4964">2,277</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2203" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4965">24,024</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2193" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4966">28,859</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Senior unsecured debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2204" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4967">10,509</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2205" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4968">13,643</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2206" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4969">51,461</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2207" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4970">34,465</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2208" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4971">35,618</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2209" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4972">145,696</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Senior secured debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2210" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4973">11,529</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2211" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4974">12,308</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2212" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4975">43,661</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2213" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4976">28,106</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2214" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4977">12,593</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2215" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4978">108,197</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Promissory notes and other securities</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2216" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4979">17,747</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2217" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4980">23,060</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2218" decimals="-6" name="ifrs-full:FinancialLiabilities" scale="6" id="f-4981">335</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2219" decimals="-6" name="ifrs-full:FinancialLiabilities" scale="6" id="f-4982">170</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2220" decimals="-6" name="ifrs-full:FinancialLiabilities" scale="6" id="f-4983">326</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2196" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4984">41,638</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt securities issued</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2221" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4985">39,785</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2222" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4986">49,809</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2223" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4987">97,217</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2224" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4988">65,018</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2225" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4989">72,561</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2226" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4990">324,390</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The distribution by contractual maturity of the notional amounts of these debt securities issued at 31 December 2025 is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:25.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.198%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Within 3 months</span></td><td colspan="3" style="padding:2px 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:105%">3 to 12<br/>months</span></td><td colspan="3" style="padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">More&#160;than&#160;5<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Subordinated debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2199" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-4991">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2200" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-4992">790</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2201" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-4993">1,744</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2202" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-4994">2,255</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2203" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-4995">22,926</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2193" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-4996">27,715</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Senior unsecured debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2204" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-4997">10,056</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2205" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-4998">12,654</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2206" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-4999">50,189</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2207" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5000">34,089</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2208" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5001">36,469</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2209" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5002">143,457</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Senior secured debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2210" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5003">11,038</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2211" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5004">12,110</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2212" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5005">43,467</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2213" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5006">28,116</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2214" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5007">12,513</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2215" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5008">107,244</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Promissory notes and other securities</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2216" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5009">17,709</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2217" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5010">23,042</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2218" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-5011">299</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2219" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-5012">154</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2220" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-5013">312</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2196" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5014">41,516</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt securities issued</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2221" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5015">38,803</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2222" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5016">48,596</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2223" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5017">95,699</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2224" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5018">64,614</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2225" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5019">72,220</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2226" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5020">319,932</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">212</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-195"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-4934-3" continuedAt="f-4934-4"><div style="margin-bottom:6pt;margin-top:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span id="i9f3292e39ad04b86b357024adefd2a96"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:119%">b) Bonds and debentures outstanding&#160;&#160;&#160;&#160;</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfDetailsByCurrencyOfIssueOfFinancialLiabilitiesOutstandingTableTextBlock" id="f-5021" escape="true"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by currency of issue, of  'Bonds and debentures outstanding' is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:34.603%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.606%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td><td colspan="6" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Currency of issue</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Outstanding issue amount in foreign currency (Million)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Annual<br/>interest rate (%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Euro</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2227" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5022">117,350</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2228" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5023">110,973</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2229" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5024">101,657</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2227" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5025">117,350</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2227" decimals="4" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="f-5026">2.72</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">US dollar</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2230" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5027">71,140</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2231" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5028">79,740</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2232" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5029">70,229</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usd" contextRef="c-2230" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5030">83,632</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2230" decimals="4" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="f-5031">4.73</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Pound sterling</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2233" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5032">25,548</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2234" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5033">23,961</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2235" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5034">20,520</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbp" contextRef="c-2233" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5035">22,301</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2233" decimals="4" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="f-5036">5.14</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Brazilian real</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2236" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5037">21,848</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2237" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5038">18,683</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2238" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5039">21,861</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="brl" contextRef="c-2236" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5040">141,089</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2236" decimals="4" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="f-5041">14.21</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Chilean peso</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2239" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5042">4,697</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2240" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5043">4,579</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2241" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5044">4,921</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="clp" contextRef="c-2239" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5045">4,977,648</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2239" decimals="4" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="f-5046">3.61</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other currencies</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2242" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5047">13,310</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2243" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5048">14,829</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2244" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5049">12,692</ix:nonFraction></span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at end of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2190" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5050">253,893</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2191" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5051">252,765</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2192" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5052">231,880</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr></table></div></ix:nonNumeric></ix:continuation><div><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">213</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-196"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfChangesInBondsAndDebenturesOutstandingTableTextBlock" id="f-5053" escape="true"><ix:continuation id="f-4934-4" continuedAt="f-4934-5"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in 'Bonds and debentures outstanding' were 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:99.871%"><tr><td style="width:1.0%"/><td style="width:75.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.754%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">Balance at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2191" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5054">252,765</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2192" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5055">231,880</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2245" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5056">211,597</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid 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Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2332" decimals="-6" name="ifrs-full:IssuesFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5146">1,102</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">SC Germany S.A., Compartment Consumer 2024-2</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2333" decimals="-6" name="ifrs-full:IssuesFairValueMeasurementLiabilities" format="ixt:fixed-zero" scale="6" id="f-5147">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2334" decimals="-6" name="ifrs-full:IssuesFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5148">1,000</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2335" decimals="-6" name="ifrs-full:IssuesFairValueMeasurementLiabilities" format="ixt:fixed-zero" scale="6" id="f-5149">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">Redemptions and repurchases</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2246" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5150">60,335</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2247" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5151">57,676</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2248" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5152">48,825</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2258" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5153">14,854</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2259" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5154">15,888</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2260" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5155">7,889</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander (Brasil) S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2261" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5156">9,430</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2262" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5157">6,919</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2263" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5158">10,542</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumer USA Holdings Inc.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2267" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5159">7,905</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2268" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5160">10,806</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2269" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5161">14,466</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Group UK</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2264" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5162">4,936</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2265" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5163">7,764</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2266" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5164">6,185</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumer Finance, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2291" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5165">2,743</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2292" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5166">2,900</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2281" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:fixed-zero" scale="6" id="f-5170">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Bank, National Association</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2297" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5171">2,648</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2298" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5172">1,440</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2299" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-5173">567</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2309" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5174">2,084</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2310" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-5175">122</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2311" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-5176">140</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander - Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2288" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5177">1,930</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2289" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5178">1,486</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2290" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-5179">575</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander International Products, Plc.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2270" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5180">1,327</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2271" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-5181">584</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2272" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-5182">728</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumer Bank S.p.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2276" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5183">1,327</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2277" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-5184">233</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2278" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-5185">266</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumer Bank AS</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2336" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5186">1,174</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2337" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-5187">839</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2338" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-5188">681</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banque Stellantis France</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2315" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-5189">746</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2316" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-5190">565</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2317" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-5191">813</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid 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style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2274" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-5193">22</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2275" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" format="ixt:fixed-zero" scale="6" id="f-5194">&#8212;</ix:nonFraction>&#160;</span></td><td 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Exchange differences and other movements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2246" decimals="-6" sign="-" name="san:ExchangeDifferencesAndOtherMovements" format="ixt:num-dot-decimal" scale="6" id="f-5198">10,551</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2247" decimals="-6" name="san:ExchangeDifferencesAndOtherMovements" format="ixt:num-dot-decimal" scale="6" id="f-5199">1,864</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2248" decimals="-6" name="san:ExchangeDifferencesAndOtherMovements" format="ixt:num-dot-decimal" scale="6" id="f-5200">2,007</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">Balance at&#160;year-end</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2190" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5201">253,893</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2191" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5202">252,765</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2192" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5203">231,880</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:nonNumeric><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">214</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-197"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><ix:continuation id="f-4934-5" continuedAt="f-4934-6"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i0a37cf9ba39947ebabd1d34b9996b9e0"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Notes and other securities</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:130%">The notes of the Group (see Note 22.a) were issued basically by Santander Consumer Finance, S.A., Santander UK plc, Banco Santander (M&#233;xico), S.A. Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico, Banco Santander, S.A., Santander Consumer Bank AG, Banque Stellantis France, Banco Santander -Chile and Banco Santander S.A. - Uruguay.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i8023adbc3c0740689b44ec0e2ff4f518"></span><span style="background-color:#ffffff;color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Guarantees</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfFinancialLiabilitiesSecuredByFinancialAssetsTableTextBlock" id="f-5204" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Set forth below is information on the liabilities secured by assets:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:51.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.643%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Asset-backed securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-50" decimals="-6" name="san:LiabilitiesSecuredByAssetBackedSecurities" format="ixt:num-dot-decimal" scale="6" id="f-5205">55,031</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-51" decimals="-6" name="san:LiabilitiesSecuredByAssetBackedSecurities" format="ixt:num-dot-decimal" scale="6" id="f-5206">49,723</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-52" decimals="-6" name="san:LiabilitiesSecuredByAssetBackedSecurities" format="ixt:num-dot-decimal" scale="6" id="f-5207">37,717</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which, mortgage-backed securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-50" decimals="-6" name="san:LiabilitiesSecuredByMortgageBackedSecurities" format="ixt:num-dot-decimal" scale="6" id="f-5208">5,961</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-51" decimals="-6" name="san:LiabilitiesSecuredByMortgageBackedSecurities" format="ixt:num-dot-decimal" scale="6" id="f-5209">4,377</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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contextRef="c-50" decimals="-6" name="san:LiabilitiesSecuredByNonAssetBackedSecurities" format="ixt:num-dot-decimal" scale="6" id="f-5211">51,438</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-51" decimals="-6" name="san:LiabilitiesSecuredByNonAssetBackedSecurities" format="ixt:num-dot-decimal" scale="6" id="f-5212">50,141</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-52" decimals="-6" name="san:LiabilitiesSecuredByNonAssetBackedSecurities" format="ixt:num-dot-decimal" scale="6" id="f-5213">49,478</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which: mortgage-backed bonds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-50" decimals="-6" name="san:LiabilitiesSecuredByMortgageBackedBonds" format="ixt:num-dot-decimal" scale="6" id="f-5214">22,624</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-51" decimals="-6" name="san:LiabilitiesSecuredByMortgageBackedBonds" format="ixt:num-dot-decimal" scale="6" id="f-5215">22,631</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-52" decimals="-6" name="san:LiabilitiesSecuredByMortgageBackedBonds" format="ixt:num-dot-decimal" scale="6" id="f-5216">24,619</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Covered bonds (non mortgage and export financing)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-50" decimals="-6" name="san:LiabilitiesSecuredByCoveredBond" format="ixt:num-dot-decimal" scale="6" id="f-5217">1,728</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-51" decimals="-6" name="san:LiabilitiesSecuredByCoveredBond" scale="6" id="f-5218">995</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-52" decimals="-6" name="san:LiabilitiesSecuredByCoveredBond" scale="6" id="f-5219">764</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-50" decimals="-6" name="san:LiabilitiesSecuredByFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-5220">108,197</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-51" decimals="-6" name="san:LiabilitiesSecuredByFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-5221">100,859</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-52" decimals="-6" name="san:LiabilitiesSecuredByFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-5222">87,959</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The main characteristics of the assets securing the aforementioned financial liabilities are as follows:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">1.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.44pt">Asset-backed securities</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt">Mortgage-backed securities- these securities are secured by mortgage assets (see Note&#160;10.e) with average maturities of more than <ix:nonNumeric contextRef="c-2339" name="san:MortgageBackedSecuritiesAverageMaturity" format="ixt-sec:durwordsen" id="f-5223">ten years</ix:nonNumeric> that must: be a first mortgage for acquisition of principal or second residence, be current in payments, have a loan-to-value ratio below <ix:nonFraction unitRef="number" contextRef="c-2340" decimals="INF" name="san:MortgageBackedSecuritiesLoanToValueRatio" scale="-2" id="f-5224">80</ix:nonFraction>% and have a liability insurance policy in force covering at least the appraisal value. The value of the financial liabilities broken down in the foregoing table is lower than the balance of the assets securing them&#160;&#8212;securitised assets retained on the balance sheet&#8212; mainly because the Group repurchases a portion of the bonds issued, and in such cases they are not recognised on the liability side of the consolidated balance sheet.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt">Other asset&#160;- backed securities: includes asset-backed securities, notes issued by securitization funds collateralized mainly by mortgage loans that do not meet the above requirements and other loans (mainly personal loans with an average maturity of <ix:nonNumeric contextRef="c-2341" name="san:OtherAssetBackedSecuritiesPersonalLoansAverageMaturity" format="ixt-sec:durwordsen" id="f-5225">five years</ix:nonNumeric> and loans to SMEs with average maturities of <ix:nonNumeric contextRef="c-2341" name="san:OtherAssetBackedSecuritiesSMEAverageMaturity" format="ixt-sec:durwordsen" id="f-5226">seven years</ix:nonNumeric>) and private issues of Santander Consumer USA Holdings Inc. collateralized by vehicles assigned under operating leases.</span></div></div></ix:continuation><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-4934-6"><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">2.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.44pt">Other mortgage securities include mainly: </span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt">Mortgage-backed bonds with average maturities of more than <ix:nonNumeric contextRef="c-2339" name="san:MortgageBackedBondsAverageMaturity" format="ixt-sec:durwordsen" id="f-5227">ten years</ix:nonNumeric> that are secured by a portfolio of mortgage loans and credits (included in secured loans&#160; &#8212;see note&#160;10.b&#8212;) which must: not be classified as of procedural stage; have available appraisals performed by specialised entities; have a loan-to-value (LTV) ratio below <ix:nonFraction unitRef="number" contextRef="c-2340" decimals="INF" name="san:MortgageBackedBondsLoanToValueRatioHomeLoans" scale="-2" id="f-5228">80</ix:nonFraction>% in the case of home loans and below <ix:nonFraction unitRef="number" contextRef="c-2340" decimals="INF" name="san:MortgageBackedBondsLoanToValueRatioOtherAssetsLoans" scale="-2" id="f-5229">60</ix:nonFraction>% for loans for other assets and have sufficient liability insurance.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt">Other debt securities issued as part of the Group&#8217;s liquidity strategy in the UK, mainly covered bonds in the UK secured by mortgage loans and other assets.</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:130%">Grupo Santander has a balance corresponding to mortgage bonds at 31 December 2025 of EUR <ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:LiabilitiesSecuredByMortgageBackedBonds" format="ixt:num-dot-decimal" scale="6" id="f-5230">22,624</ix:nonFraction> million (all of them issued in euros), which correspond to issues of Banco Santander, S.A. (with an outstanding face value of EUR <ix:nonFraction unitRef="eur" contextRef="c-1730" decimals="-6" name="san:MortgageBackedBondsOutstandingFaceValue" format="ixt:num-dot-decimal" scale="6" id="f-5231">22,360</ix:nonFraction> million).</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:130%">The issuing entity may repay the mortgage bonds early, if this has been expressly established in the final conditions of the issue in question and in the conditions established there. </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:130%">None of the mortgage bonds issued by Banco Santander have replacement assets involved.</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:130%">During 2023, the Bank of Spain has published Circular 1/2023 of 4 February , which modifies Circular 4/2017, repealing the breakdown in the annual accounts and the information related to internal accounting development and management control.</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:130%">Additionally, Banco Santander, S.A. issues internationalization certificates, which are securities whose capital and interest are guaranteed by loans and credits that are linked to the financing of export contracts or the internationalization of companies. </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:130%">The fair value of the guarantees received by the Group (financial and non-financial assets) which the Group is authorised to sell or pledge even if the owner of the guarantee has not defaulted is scantly material taking into account the Consolidated financial statements as a whole.</span></div></ix:continuation><div style="margin-bottom:6pt;margin-top:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_982"></div></div></div><div style="margin-bottom:6pt;padding-right:263.62pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">215</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-198"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:6pt;margin-top:24pt;padding-right:263.62pt"><span id="iea22880e7caf4c388389b3ace46d2738"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">23. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfSubordinatedLiabilitiesExplanatory" id="f-5232" continuedAt="f-5232-1" escape="true">Subordinated liabilities</ix:nonNumeric></span></div><ix:continuation id="f-5232-1" continuedAt="f-5232-2"><div style="margin-bottom:6pt;margin-top:3pt;padding-right:263.62pt"><span id="ibf215cc2b27e4246bacfb045ee1ff0a4"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown</span></div><ix:nonNumeric contextRef="c-1" name="san:ScheduleOfSubordinatedLiabilitiesDetailsTableTextBlock" id="f-5233" escape="true"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by currency of issue, of Subordinated liabilities, deposits and marketable debt securities,  in the consolidated balance sheets is as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:42.307%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.496%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td><td colspan="6" style="padding:2px 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:105%">2025</span></td></tr><tr style="height:16pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Outstanding issue amount in foreign currency (million)</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Annual interest rate (%)</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 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:105%">Currency of issue</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Euro</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2342" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5234">11,402</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2343" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5235">14,999</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2344" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5236">13,684</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2342" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5237">11,402</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2345" decimals="INF" name="san:SubordinatedLiabilitiesInterestRate" scale="-2" id="f-5238">4.55</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">US dollar</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2346" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5239">9,750</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2347" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5240">13,425</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2348" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5241">11,300</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usd" contextRef="c-2346" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5242">11,462</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2349" decimals="INF" name="san:SubordinatedLiabilitiesInterestRate" scale="-2" id="f-5243">6.53</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Brazilian real</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2350" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5244">4,354</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2351" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5245">3,600</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2352" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5246">2,518</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="brl" contextRef="c-2350" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5247">28,117</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2353" decimals="INF" name="san:SubordinatedLiabilitiesInterestRate" scale="-2" id="f-5248">16.30</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Pound sterling</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2354" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5249">1,347</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2355" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5250">1,409</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2356" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5251">1,353</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbp" contextRef="c-2354" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5252">1,176</ix:nonFraction></span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2357" decimals="INF" name="san:SubordinatedLiabilitiesInterestRate" scale="-2" id="f-5253">4.28</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other currencies</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2358" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5254">2,434</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2359" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5255">2,380</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2360" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5256">2,057</ix:nonFraction></span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7.75pt 0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7.75pt 0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-59" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5257">29,287</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-60" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5258">35,813</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-61" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5259">30,912</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr></table></div></ix:nonNumeric><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Note 51 contains a detail of the residual maturity periods of subordinated liabilities at each year-end.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i0dad061466ca4bd289193a838b32d01d"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Changes</span></div><ix:nonNumeric contextRef="c-1" name="san:ScheduleOfReconciliationOfSubordinatedLiabilitiesTableTextBlock" id="f-5260" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The movement in the balance of subordinated liabilities in 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decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5261">35,813</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-61" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5262">30,912</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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name="san:SubordinatedLiabilitiesNetInclusionOfEntities" format="ixt:fixed-zero" scale="6" id="f-5264">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2363" decimals="-6" name="san:SubordinatedLiabilitiesNetInclusionOfEntities" format="ixt:fixed-zero" scale="6" id="f-5265">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2381" decimals="-6" name="san:SubordinatedLiabilitiesNetRedemptionsAndRepurchases" format="ixt:fixed-zero" scale="6" id="f-5292">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2382" decimals="-6" name="san:SubordinatedLiabilitiesNetRedemptionsAndRepurchases" scale="6" id="f-5293">702</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banque Stellantis France</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2371" decimals="-6" name="san:SubordinatedLiabilitiesNetRedemptionsAndRepurchases" format="ixt:fixed-zero" scale="6" id="f-5294">&#8212;</ix:nonFraction>&#160;</span></td><td 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format="ixt:num-dot-decimal" scale="6" id="f-5300">29,287</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-60" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5301">35,813</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid 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Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">The balance rel</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">ating to issuances, r</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">edemptions and repurchases (EUR <ix:nonFraction unitRef="eur" contextRef="c-2362" decimals="-6" name="san:SubordinatedLiabilitiesNetIssuancesRedemptionsAndRepurchases" format="ixt:num-dot-decimal" scale="6" id="f-5303">4,823</ix:nonFraction> million), together with the interest paid in remuneration of these issuances including PPCC (EUR <ix:nonFraction unitRef="eur" contextRef="c-2362" decimals="-6" name="san:SubordinatedLiabilitiesInterestPaidInRemunerationOfIssuances" format="ixt:num-dot-decimal" scale="6" id="f-5304">1,560</ix:nonFraction> million), is included in the cash flow from financing activities.</span></div></ix:nonNumeric></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span id="i6dc0c66d71ce46279e7d2e4cc33185d1"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Other disclosures </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:130%">This caption includes contingent convertible or redeemable preferred participations, as well as other subordinated financial instruments issued by consolidated companies, which do not qualify as equity (preferred shares).</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:130%">Preferred shares do not have voting rights and are non-cumulative. They have been subscribed by third parties outside the Group, and except for the issuances of Santander UK plc, the rest are redeemable by decision of the issuer, according to the terms of each issue.</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:130%">Banco Santander's contingently convertible preferred participations are subordinated debentures and rank after common creditors and any other subordinated credit that by law and/or by their terms, to the extent permitted by Spanish law, ranks higher than the contingently convertible preferred participations. Their remuneration is conditioned to the obtainment of sufficient distributable profits, and to the limitations imposed by the regulations on shareholders' equity, and they have no voting rights. The other issues of Banco Santander, S.A. mentioned in this caption are also subordinated debentures and, for credit ranking purposes, they rank behind all the common creditors of the issuing entities and ahead of any other subordinated credit that ranks pari passu with the Bank's contingently convertible preferred participations.</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:130%">The main issuances of subordinated debt securities, broken down by company, are detailed below:  </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline">Issuances by Banco Santander, S.A. </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:130%">On 1 December 2025, Banco Santander, S.A. has proceeded to redeem in advance all the issued subordinated obligations: 'EUR <ix:nonFraction unitRef="eur" contextRef="c-2383" decimals="0" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="0" id="f-5305">60,000,000</ix:nonFraction>', with original maturity date on December 2026 and with ISIN code XS1492669509.</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:130%">On 19 November 2025, Banco Santander, S.A. carried out an issuance for an amount of USD <ix:nonFraction unitRef="eur" contextRef="c-2384" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5306">1,500</ix:nonFraction>&#160;million with ISIN code US05971KAA79.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">216</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-199"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-5232-2" continuedAt="f-5232-3"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 24 September 2025, Banco Santander, S.A. proceeded to redeem in advance all the issued subordinated obligations: 'EUR <ix:nonFraction unitRef="eur" contextRef="c-2385" decimals="0" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="0" id="f-5307">50,000,000</ix:nonFraction> Fixed/Floating', with original maturity date on March 2029 and with ISIN code XS1585005314.</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:130%">On 5 August 2025, Banco Santander, S.A. proceeded to redeem in advance the subordinated debt issuances with ISIN code XS1384064587, for a nominal amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-2386" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5308">1,500</ix:nonFraction>&#160;million, with a coupon of <ix:nonFraction unitRef="number" contextRef="c-2386" decimals="4" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5309">3.250</ix:nonFraction>% and original maturity date on April 2026 and with ISIN code XS1548444816, for a nominal amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-2387" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5310">1,000</ix:nonFraction>&#160;million, with a coupon of <ix:nonFraction unitRef="number" contextRef="c-2387" decimals="5" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5311">3.125</ix:nonFraction>% and original maturity date on January 2027.</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:130%">On 2 July 2025, Banco Santander, S.A. proceeded to repurchase for their subsequent redeem in advance the contingently convertible preferred shares with ISIN code XS2102912966, for a total nominal amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-2388" decimals="-5" name="ifrs-full:NotionalAmount" scale="6" id="f-5312">466.6</ix:nonFraction> million and which are traded on the market of the Irish Stock Exchange 'Global Exchange Market', leaving the amount in circulation at  EUR <ix:nonFraction unitRef="eur" contextRef="c-2388" decimals="-5" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5313">1,033.4</ix:nonFraction> million.</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:130%">On 2 July 2025, Banco Santander, S.A. carried out a placement of preference shares contingently convertible into newly issued ordinary shares of the Bank (PPCC), for a nominal amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-2389" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5314">1,500</ix:nonFraction>&#160;million with ISIN code XS3100756637 . The Issuance has been made at par and the remuneration of the PPCC, whose payment is subject to certain conditions and is also discretionary, has been set at <ix:nonFraction unitRef="number" contextRef="c-2389" decimals="2" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5315">6</ix:nonFraction>% quarterly for the first <ix:nonNumeric contextRef="c-2390" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-5316">six years</ix:nonNumeric>, being reviewed every <ix:nonNumeric contextRef="c-2390" name="san:SubordinatedIssueInterestRateRepriceTerm" format="ixt-sec:durwordsen" id="f-5317">five years</ix:nonNumeric> thereafter by applying a margin of <ix:nonFraction unitRef="number" contextRef="c-2391" decimals="5" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-5318">381.9</ix:nonFraction> basis points over the <ix:nonNumeric contextRef="c-2390" name="san:SubordinatedIssueMidSwapRateTerm" format="ixt-sec:durwordsen" id="f-5319">five-year</ix:nonNumeric> mid-swap rate.</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:130%">On 18 March 2025, Banco Santander, S.A. carried out an issuance for an amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-2392" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5320">1,500</ix:nonFraction>&#160;million with ISIN code XS1201001572.</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:130%">On 17 February 2025, Banco Santander, S.A. prepaid EUR <ix:nonFraction unitRef="eur" contextRef="c-2393" decimals="-5" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="f-5321">600.8</ix:nonFraction>&#160;million out of a total of EUR <ix:nonFraction unitRef="eur" contextRef="c-2394" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5322">1,500</ix:nonFraction>&#160;million of the transaction with ISIN XS138406464587 following the tender announcement launched on 6 February 2025.</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:130%">On 17 February 2025, Banco Santander, S.A. prepaid EUR <ix:nonFraction unitRef="eur" contextRef="c-2395" decimals="-5" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="f-5323">563.6</ix:nonFraction>&#160;million euros out of a total of EUR <ix:nonFraction unitRef="eur" contextRef="c-2396" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5324">1,000</ix:nonFraction>&#160;million of the transaction with ISIN XS1548444816 following the tender announcement launched on 6 February 2025.</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:130%">On 1 August 2024, Banco Santander, S.A. carried out a placement of preference shares contingently convertible into newly issued ordinary shares of the Bank (PPCC), for a nominal amount of USD <ix:nonFraction unitRef="usd" contextRef="c-2397" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5325">1,500</ix:nonFraction>&#160;million (valued at EUR <ix:nonFraction unitRef="eur" contextRef="c-2397" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5326">1,356</ix:nonFraction>&#160;million). The issuance has been made at par and the remuneration of the PPCC, whose payment is subject to certain conditions and is also discretionary, has been set at <ix:nonFraction unitRef="number" contextRef="c-2397" decimals="2" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5327">8</ix:nonFraction>% annually for the first <ix:nonNumeric contextRef="c-2398" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-5328">ten years</ix:nonNumeric>, being reviewed every <ix:nonNumeric contextRef="c-2398" name="san:SubordinatedIssueInterestRateRepriceTerm" format="ixt-sec:durwordsen" id="f-5329">five years</ix:nonNumeric> thereafter by applying a margin of <ix:nonFraction unitRef="number" contextRef="c-2399" decimals="5" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-5330">391.1</ix:nonFraction> basis points over the <ix:nonNumeric contextRef="c-2398" name="san:SubordinatedIssueMidSwapRateTerm" format="ixt-sec:durwordsen" id="f-5331">5-year</ix:nonNumeric> mid-swap rate.</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:130%">On 20 May 2024, Banco Santander, S.A., proceeded to partially redeem in advance the contingently convertible preferred shares with ISIN code XS1793250041, for a total nominal amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-2400" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5332">1,312</ix:nonFraction>&#160;million and which are traded on the market of the Irish Stock Exchange 'Global Exchange Market' (the 'PPCC'), leaving the amount in circulation at EUR <ix:nonFraction unitRef="eur" contextRef="c-2400" decimals="-5" name="ifrs-full:SubordinatedLiabilities" scale="6" id="f-5333">187.6</ix:nonFraction>&#160;million.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 20 May 2024, Banco Santander, S.A. carried out a placement of preference shares contingently convertible into newly issued ordinary shares of the Bank (PPCC), for a nominal amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-2401" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5334">1,500</ix:nonFraction>&#160;million. The Issuance has been made at par and the remuneration of the PPCC, whose payment is subject to certain conditions and is also discretionary, has been set at <ix:nonFraction unitRef="number" contextRef="c-2401" decimals="2" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5335">7</ix:nonFraction>% annually for the first <ix:nonNumeric contextRef="c-2402" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-5336">six years</ix:nonNumeric>, being reviewed every <ix:nonNumeric contextRef="c-2402" name="san:SubordinatedIssueInterestRateRepriceTerm" format="ixt-sec:durwordsen" id="f-5337">five years</ix:nonNumeric> thereafter by applying a margin of <ix:nonFraction unitRef="number" contextRef="c-2403" decimals="INF" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-5338">443.2</ix:nonFraction> basis points over the <ix:nonNumeric contextRef="c-2402" name="san:SubordinatedIssueMidSwapRateTerm" format="ixt-sec:durwordsen" id="f-5339">5-year</ix:nonNumeric> mid-swap rate.</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:130%">On 14 March 2024, Banco Santander, S.A. issued subordinated obligations for an amount of USD <ix:nonFraction unitRef="usd" contextRef="c-2404" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5340">1,250</ix:nonFraction>&#160;million (valued at EUR <ix:nonFraction unitRef="eur" contextRef="c-2404" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5341">1,158</ix:nonFraction>&#160;million) for a term of <ix:nonNumeric contextRef="c-2405" name="san:SubordinatedIssueTerm" format="ixt-sec:duryear" id="f-5342">10</ix:nonNumeric> years. The issuance was made at par and the issue coupon was set at <ix:nonFraction unitRef="number" contextRef="c-2404" decimals="4" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5343">6.35</ix:nonFraction>% per year, payable bi-annually.</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:130%">On 8 February 2024, Banco Santander, S.A., proceeded to prepay all of the contingently convertible Tier 1 preferred shares with ISIN code XS1951093894, for a total nominal amount of USD <ix:nonFraction unitRef="usd" contextRef="c-2406" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5344">1,200</ix:nonFraction>&#160;million (valued at EUR <ix:nonFraction unitRef="eur" contextRef="c-2406" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5345">1,110</ix:nonFraction>&#160;million) and that were traded on the Irish Stock Exchange 'Global Exchange Market' (the 'PPCC').</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:130%">On 22 January 2024, Banco Santander, S.A. issued subordinated bonds for an amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-2407" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5346">1,250</ix:nonFraction>&#160;million for a term of 10 years and 3 months. The issue was carried out at <ix:nonFraction unitRef="number" contextRef="c-2407" decimals="INF" name="san:NotionalAmountPlacedOnTheMarketPercentage" scale="-2" id="f-5347">99.74</ix:nonFraction>% and the issue coupon was set at <ix:nonFraction unitRef="number" contextRef="c-2407" decimals="2" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5348">5</ix:nonFraction>% per year for the first 5 years and 3 months, with an amortization option in April 2029, reviewing the coupon, in case of non-amortization, at a fixed rate equivalent to a margin of <ix:nonFraction unitRef="number" contextRef="c-2407" decimals="4" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-5349">250</ix:nonFraction> points plus the <ix:nonNumeric contextRef="c-2408" name="san:SubordinatedIssueEuroSwapRateTerm" format="ixt-sec:durwordsen" id="f-5350">5-year</ix:nonNumeric> Euro swap rate.</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:130%">On 29 December 2023,  Banco Santander, S.A., proceeded to prepay all the Tier 1 Contingently Convertible Preferred Securities with ISIN code  XS1692931121 for a total nominal amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-2409" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5351">1,000</ix:nonFraction>&#160;million and which were traded on the Irish Stock Market 'Global Exchange Market' (the 'PPCC').</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:130%">On 21 November 2023, Banco Santander, S.A., carried out a placement of <ix:nonFraction unitRef="branch" contextRef="c-2410" decimals="INF" name="san:NumberOfSeriesOfConvertiblePreferredStockIssued" format="ixt-sec:numwordsen" scale="0" id="f-5352">two</ix:nonFraction> series of contingently convertible preferred shares into newly issued ordinary shares of the Bank, for a total nominal amount of USD <ix:nonFraction unitRef="usd" contextRef="c-2411" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5353">1,150</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2411" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5354">1,054</ix:nonFraction>&#160;million at the exchange rate on the day of issue) and USD <ix:nonFraction unitRef="usd" contextRef="c-2412" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5355">1,350</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2412" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5356">1,235</ix:nonFraction>&#160;million at the exchange rate on the day of issue), respectively.</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:130%">The issue was carried out at par and the remuneration of the PPCC, whose payment is subject to certain conditions and is also discretionary, was set (i) for the first Series at <ix:nonFraction unitRef="number" contextRef="c-2411" decimals="5" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5357">9.625</ix:nonFraction>% annually for the first five years and six months, being reviewed every <ix:nonNumeric contextRef="c-2413" name="san:SubordinatedIssueInterestRateRepriceTerm" format="ixt-sec:durwordsen" id="f-5358">five years</ix:nonNumeric> thereafter by applying a margin of <ix:nonFraction unitRef="number" contextRef="c-2411" decimals="5" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-5359">530.6</ix:nonFraction> basis points on the <ix:nonNumeric contextRef="c-2413" name="san:SubordinatedIssueUSTRateTerm" format="ixt-sec:durwordsen" id="f-5360">five-year</ix:nonNumeric> UST rate (<ix:nonNumeric contextRef="c-2413" name="san:SubordinatedIssueUSTRateTerm" format="ixt-sec:durwordsen" id="f-5361">5-year</ix:nonNumeric> UST), and (ii) for the second Series at <ix:nonFraction unitRef="number" contextRef="c-2412" decimals="5" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5362">9.625</ix:nonFraction>% annually for the first <ix:nonNumeric contextRef="c-2414" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-5363">ten years</ix:nonNumeric>, being reviewed thereafter every <ix:nonNumeric contextRef="c-2414" name="san:SubordinatedIssueInterestRateRepriceTerm" format="ixt-sec:durwordsen" id="f-5364">five years</ix:nonNumeric>, applying a margin of <ix:nonFraction unitRef="number" contextRef="c-2412" decimals="5" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-5365">529.8</ix:nonFraction> basis points on the <ix:nonNumeric contextRef="c-2414" name="san:SubordinatedIssueUSTRateTerm" format="ixt-sec:durwordsen" id="f-5366">five-year</ix:nonNumeric> UST rate. </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:130%">On 8 August 2023, Banco Santander, S.A. carried out an issuance of subordinated obligations for an amount of <ix:nonFraction unitRef="usd" contextRef="c-2415" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5367">2,000</ix:nonFraction>&#160;million dollars (<ix:nonFraction unitRef="eur" contextRef="c-2415" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5368">1,821</ix:nonFraction>&#160;million euros at the exchange rate on the day of issuance). The issue was carried out at par coupon was set at <ix:nonFraction unitRef="number" contextRef="c-2415" decimals="5" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5369">6.921</ix:nonFraction>% per year, payable semiannually during the <ix:nonNumeric contextRef="c-2416" name="san:SubordinatedIssueTerm" format="ixt-sec:durwordsen" id="f-5370">10-year</ix:nonNumeric> life of the operation. </span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">217</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-200"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><ix:continuation id="f-5232-3" continuedAt="f-5232-4"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 23 May 2023, Banco Santander, S.A. issued subordinated bonds for an amount of <ix:nonFraction unitRef="eur" contextRef="c-2417" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5371">1,500</ix:nonFraction>&#160;million euros for a term of 10 years and 3 months. The issue was carried at <ix:nonFraction unitRef="number" contextRef="c-2417" decimals="INF" name="san:NotionalAmountPlacedOnTheMarketPercentage" scale="-2" id="f-5372">99.739</ix:nonFraction>% and the coupon of the issue was set at <ix:nonFraction unitRef="number" contextRef="c-2417" decimals="4" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5373">5.75</ix:nonFraction>% annually for the first 5 years and 3 months, with the option of amortization in August 2028, revising the coupon, in case of non-amortization, at a margin of <ix:nonFraction unitRef="number" contextRef="c-2417" decimals="4" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-5374">285</ix:nonFraction> points plus the Euro Swap type <ix:nonNumeric contextRef="c-2418" name="san:SubordinatedIssueEuroSwapRateTerm" format="ixt-sec:duryear" id="f-5375">5</ix:nonNumeric> years.</span></div><div style="margin-bottom:9pt;margin-top:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 25 April 2022, Banco Santander, S.A. proceeded to prepay all the Tier 1 Contingently Convertible Preferred Securities with ISIN code XS1602466424 and common code 160246642 in circulation, for a total nominal amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-2419" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-5376">750</ix:nonFraction>&#160;million and which were traded on the Irish Stock Market 'Global Exchange Market' (the 'PPCC').</span></div><div style="margin-bottom:9pt;margin-top:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 22  November 2021, Banco Santander, S.A. issued subordinated debentures for a term of <ix:nonNumeric contextRef="c-2420" name="san:SubordinatedIssueTerm" format="ixt-sec:durwordsen" id="f-5377">eleven years</ix:nonNumeric>, with a redemption option on the tenth anniversary of the issue date, in the amount of USD <ix:nonFraction unitRef="usd" contextRef="c-2421" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5378">1,000</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2421" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5379">1,007</ix:nonFraction>&#160;million at the exchange rate on the day of issue). The issue bears interest at an annual rate of <ix:nonFraction unitRef="number" contextRef="c-2421" decimals="5" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5380">3.225</ix:nonFraction>%, payable semi-annually, for the first <ix:nonNumeric contextRef="c-2420" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-5381">ten years</ix:nonNumeric>. This issue has an early redemption option in the tenth year from the issue date and if the redemption is not executed in the tenth year, the coupon is repriced at a margin of <ix:nonFraction unitRef="number" contextRef="c-2421" decimals="4" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-5382">160</ix:nonFraction> points over the <ix:nonNumeric contextRef="c-2420" name="san:SubordinatedIssueUSGovernmentBondTerm" format="ixt-sec:durwordsen" id="f-5383">one-year</ix:nonNumeric> US government bond. </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:130%">On 4 October 2021, Banco Santander, S.A. issued subordinated debentures for a term of <ix:nonNumeric contextRef="c-2422" name="san:SubordinatedIssueTerm" format="ixt-sec:durwordsen" id="f-5384">eleven years</ix:nonNumeric>, with a redemption option on the sixth anniversary of the issue date, amounting to GBP <ix:nonFraction unitRef="gbp" contextRef="c-2423" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-5385">850</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2423" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-5386">887</ix:nonFraction>&#160;million at the exchange rate on the day of issue). The issue bears interest at an annual rate of <ix:nonFraction unitRef="number" contextRef="c-2423" decimals="4" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5387">2.25</ix:nonFraction>%, payable annually for the first <ix:nonNumeric contextRef="c-2422" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-5388">six years</ix:nonNumeric> (then repricing at a margin of <ix:nonFraction unitRef="number" contextRef="c-2423" decimals="4" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-5389">165</ix:nonFraction> points over the <ix:nonNumeric contextRef="c-2422" name="san:SubordinatedIssueUKGovernmentBondTerm" format="ixt-sec:durwordsen" id="f-5390">5-year</ix:nonNumeric> UK government bond).</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:130%">On 21 September 2021, Banco Santander, S.A. carried out a placement of preferential shares contingently convertible into newly issued ordinary shares of the Bank ('PPCC') for a nominal amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-2424" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5391">1,000</ix:nonFraction>&#160;million (issue placed on the market EUR <ix:nonFraction unitRef="eur" contextRef="c-2424" decimals="-6" name="san:NotionalAmountPlacedOnTheMarket" scale="6" id="f-5392">997</ix:nonFraction>&#160;million). The issuance was carried out at par and the remuneration of the PPCC, whose payment is subject to certain conditions and is also discretionary, was set at <ix:nonFraction unitRef="number" contextRef="c-2424" decimals="5" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5393">3.625</ix:nonFraction>% per year for the first <ix:nonNumeric contextRef="c-2425" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-5394">eight years</ix:nonNumeric>, being reviewed every <ix:nonNumeric contextRef="c-2425" name="san:SubordinatedIssueInterestRateRepriceTerm" format="ixt-sec:durwordsen" id="f-5395">five years</ix:nonNumeric> applying a margin of <ix:nonFraction unitRef="number" contextRef="c-2424" decimals="4" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-5396">376</ix:nonFraction> basis points over the <ix:nonNumeric contextRef="c-2425" name="san:SubordinatedIssueMidSwapRateTerm" format="ixt-sec:durwordsen" id="f-5397">5-year</ix:nonNumeric> Mid-Swap Rate.</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:130%">On 12 May 2021, Banco Santander, S.A. placed the issue of preference shares contingently convertible into newly issued ordinary shares of the Bank, previously announced, for a total nominal amount of  EUR <ix:nonFraction unitRef="eur" contextRef="c-2426" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5398">1,578</ix:nonFraction>&#160;million, issued in a Series in Dollars of  USD <ix:nonFraction unitRef="usd" contextRef="c-2427" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5399">1,000</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2427" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-5400">828</ix:nonFraction>&#160;million at the exchange rate on the day of issue) and a Series in Euros for an amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-2428" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-5401">750</ix:nonFraction>&#160;million. The issuance was carried out at par and the remuneration of the PPCC, whose payment is subject to certain conditions and is also discretionary, was set (i) for the Series in Dollars at <ix:nonFraction unitRef="number" contextRef="c-2427" decimals="5" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5402">4.750</ix:nonFraction>% per annum for the first <ix:nonNumeric contextRef="c-2429" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-5403">six years</ix:nonNumeric>, being revised every <ix:nonNumeric contextRef="c-2429" name="san:SubordinatedIssueInterestRateRepriceTerm" format="ixt-sec:durwordsen" id="f-5404">five years</ix:nonNumeric> applying a margin of <ix:nonFraction unitRef="number" contextRef="c-2427" decimals="5" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-5405">375.3</ix:nonFraction> basis points over the <ix:nonNumeric contextRef="c-2429" name="san:SubordinatedIssueUSTRateTerm" format="ixt-sec:durwordsen" id="f-5406">5-year</ix:nonNumeric> UST rate and (ii) for the Series in Euros by <ix:nonFraction unitRef="number" contextRef="c-2428" decimals="5" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5407">4.125</ix:nonFraction>% per annum for the first <ix:nonNumeric contextRef="c-2430" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-5408">seven years</ix:nonNumeric>, being revised every <ix:nonNumeric contextRef="c-2430" name="san:SubordinatedIssueInterestRateRepriceTerm" format="ixt-sec:durwordsen" id="f-5409">five years</ix:nonNumeric> applying a margin of <ix:nonFraction unitRef="number" contextRef="c-2428" decimals="5" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-5410">431.1</ix:nonFraction> basis points over the applicable <ix:nonNumeric contextRef="c-2430" name="san:SubordinatedIssueMidSwapRateTerm" format="ixt-sec:durwordsen" id="f-5411">5-year</ix:nonNumeric> euro mid-swap.</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:130%">On 3 December 2020, Banco Santander, S.A. issued subordinated debentures with a <ix:nonNumeric contextRef="c-2431" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-5412">ten-year</ix:nonNumeric> term of USD <ix:nonFraction unitRef="usd" contextRef="c-2432" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5413">1,500</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2432" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5414">1,222</ix:nonFraction>&#160;million at the date of issue). The issue bears interest at an annual rate of <ix:nonFraction unitRef="number" contextRef="c-2432" decimals="5" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5415">2.749</ix:nonFraction>%, payable semiannually.</span></div></div></ix:continuation><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-5232-4"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 22 October 2020, it carried out a <ix:nonNumeric contextRef="c-2433" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-5416">ten-year</ix:nonNumeric> subordinated debenture issue for an amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-2434" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5417">1,000</ix:nonFraction>&#160;million. The issue bears interest at an annual rate of <ix:nonFraction unitRef="number" contextRef="c-2434" decimals="5" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5418">1.625</ix:nonFraction>%, payable annually.</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:130%">On 14 January 2020, it carried out a placement of contingently convertible preferred participations into newly issued ordinary shares of the Bank (the 'PPCCs'), excluding the pre-emptive subscription rights of its shareholders and for a nominal amount of  EUR <ix:nonFraction unitRef="eur" contextRef="c-2435" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5419">1,500</ix:nonFraction>&#160;million (the 'Issuance' and the 'PPCCs'). The Issuance was made at par and the remuneration of the PPCCs, the payment of which is subject to certain conditions and is also discretionary, was set at <ix:nonFraction unitRef="number" contextRef="c-2435" decimals="5" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5420">4.375</ix:nonFraction>% per annum for the first <ix:nonNumeric contextRef="c-2436" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-5421">six years</ix:nonNumeric>, revised every <ix:nonNumeric contextRef="c-2436" name="san:SubordinatedIssueInterestRateRepriceTerm" format="ixt-sec:durwordsen" id="f-5422">five years</ix:nonNumeric> thereafter by applying a margin of <ix:nonFraction unitRef="number" contextRef="c-2435" decimals="5" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-5423">453.4</ix:nonFraction> basis points over the <ix:nonNumeric contextRef="c-2436" name="san:SubordinatedIssueMidSwapRateTerm" format="ixt-sec:durwordsen" id="f-5424">5-year</ix:nonNumeric> mid-Swap Rate (<ix:nonNumeric contextRef="c-2436" name="san:SubordinatedIssueMidSwapRateTerm" format="ixt-sec:durwordsen" id="f-5425">5-year</ix:nonNumeric> mid-Swap Rate).</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:130%">On 8 February 2018, a <ix:nonNumeric contextRef="c-2437" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-5426">ten-year</ix:nonNumeric> subordinated debenture issuance of EUR <ix:nonFraction unitRef="eur" contextRef="c-2438" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5427">1,250</ix:nonFraction>&#160;million was carried out. The issue accrues annual interest of <ix:nonFraction unitRef="number" contextRef="c-2438" decimals="5" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5428">2.125</ix:nonFraction>% payable annually.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline">Issuances by Banco Santander (Brasil) S.A.</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:130%">In early December 2025, Brazil closed a Tier 2 subordinated debt issuance in its local market with a <ix:nonNumeric contextRef="c-2439" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-5429">10-year</ix:nonNumeric> term and the first call date at <ix:nonNumeric contextRef="c-2439" name="san:SubordinatedIssueFirstCallDate" format="ixt-sec:duryear" id="f-5430">5</ix:nonNumeric> years, for an amount of BRL <ix:nonFraction unitRef="brl" contextRef="c-2440" decimals="-7" name="ifrs-full:SubordinatedLiabilities" scale="9" id="f-5431">2.4</ix:nonFraction>&#160;billion. The issuance price was 10y CDI + <ix:nonFraction unitRef="number" contextRef="c-2440" decimals="4" name="san:SubordinatedIssueInterestRate" scale="-4" id="f-5432">65</ix:nonFraction> bps.</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:130%">At September 2024, Brazil issued AT1 Financial Notes (PerpNC5) in its local market for an amount of BRL <ix:nonFraction unitRef="usd" contextRef="c-2441" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-5433">7,600</ix:nonFraction> million at CDI + <ix:nonFraction unitRef="number" contextRef="c-2441" decimals="2" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5434">140</ix:nonFraction>% (equivalent to UST +<ix:nonFraction unitRef="number" contextRef="c-2441" decimals="4" name="san:SubordinatedIssueInterestRateUST" scale="-4" id="f-5435">222</ix:nonFraction> bps).</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:130%">At the beginning of October 2023, Banco Santander (Brasil) S.A. carried out an issuance of Subordinated Financial Bills (TIER II) in its local market for a <ix:nonNumeric contextRef="c-2442" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-5436">10-year</ix:nonNumeric> term, with a repurchase option as of the fifth anniversary of the issuance date, in the amount of BRL <ix:nonFraction unitRef="brl" contextRef="c-2443" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5437">6,000</ix:nonFraction>&#160;million. The issuance price was CDI +<ix:nonFraction unitRef="number" contextRef="c-2443" decimals="3" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5438">1.6</ix:nonFraction>% per annum, payable at maturity. </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:130%">At the end of November 2021, Banco Santander (Brasil) S.A. carried out an issuance of Subordinated Financial Bills (TIER II) in its local market for a <ix:nonNumeric contextRef="c-2444" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-5439">10-year</ix:nonNumeric> term, with a repurchase option as of the fifth anniversary of the issue date, in the amount of BRL <ix:nonFraction unitRef="brl" contextRef="c-2445" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5440">5,500</ix:nonFraction>&#160;million. The issue price was CDI <ix:nonFraction unitRef="number" contextRef="c-2445" decimals="2" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-5441">2</ix:nonFraction>% per annum, payable at maturity.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline">Issuance by Santander Bank Polska S.A.</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:130%">At 28 November 2024, Santander Bank Polska S.A proceeded to repay subordinated debt ISIN XS0531310182 for EUR <ix:nonFraction unitRef="eur" contextRef="c-2446" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-5442">100</ix:nonFraction>&#160;million. The debt was originally fully subscribed by the EBRD at 5 August 2010.</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:130%">The accrued interests from the subordinated liabilities during 2025 amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-2447" decimals="-6" name="ifrs-full:InterestPayable" format="ixt:num-dot-decimal" scale="6" id="f-5443">1,486</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2448" decimals="-6" name="ifrs-full:InterestPayable" format="ixt:num-dot-decimal" scale="6" id="f-5444">1,357</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-2449" decimals="-6" name="ifrs-full:InterestPayable" format="ixt:num-dot-decimal" scale="6" id="f-5445">1,010</ix:nonFraction> million during 2024 and 2023, respectively). </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:130%">In addition, interests from the PPCC and PPCA during 2025 amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-2450" decimals="-6" name="san:SubordinatedIssueIncreaseAccruedInterest" scale="6" id="f-5446">622</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2451" decimals="-6" name="san:SubordinatedIssueIncreaseAccruedInterest" scale="6" id="f-5447">620</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-2452" decimals="-6" name="san:SubordinatedIssueIncreaseAccruedInterest" scale="6" id="f-5448">492</ix:nonFraction> million in 2024 and 2023, respectively).</span></div></ix:continuation></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">218</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_988"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-201"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt"><span id="i1dc1ac96f9a1492398c120bb366b7db2"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">24. <ix:nonNumeric contextRef="c-1" name="san:DisclosureOfOtherFinancialLiabilitiesTextBlock" id="f-5452" continuedAt="f-5452-1" escape="true">Other financial liabilities</ix:nonNumeric></span></div><ix:continuation id="f-5452-1"><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfOtherFinancialLiabilitiesTableTextBlock" id="f-5453" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Other financial liabilities in the consolidated balance sheets 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:99.782%"><tr><td style="width:1.0%"/><td style="width:57.850%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.480%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.482%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Trade payables</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:TradeAndOtherPayablesToTradeSuppliers" format="ixt:num-dot-decimal" scale="6" id="f-5454">1,452</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:TradeAndOtherPayablesToTradeSuppliers" format="ixt:num-dot-decimal" scale="6" id="f-5455">1,452</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:TradeAndOtherPayablesToTradeSuppliers" format="ixt:num-dot-decimal" scale="6" id="f-5456">1,783</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Clearing houses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:ItemsInCourseOfTransmissionToOtherBanks" scale="6" id="f-5457">794</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:ItemsInCourseOfTransmissionToOtherBanks" scale="6" id="f-5458">776</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:ItemsInCourseOfTransmissionToOtherBanks" format="ixt:num-dot-decimal" scale="6" id="f-5459">1,269</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Tax collection accounts:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Public Institutions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:PayablesOnSocialSecurityAndTaxesOtherThanIncomeTax" format="ixt:num-dot-decimal" scale="6" id="f-5460">6,271</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:PayablesOnSocialSecurityAndTaxesOtherThanIncomeTax" format="ixt:num-dot-decimal" scale="6" id="f-5461">6,156</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:PayablesOnSocialSecurityAndTaxesOtherThanIncomeTax" format="ixt:num-dot-decimal" scale="6" id="f-5462">4,986</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Factoring accounts payable</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:FactoringAccountsPayable" scale="6" id="f-5463">274</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:FactoringAccountsPayable" scale="6" id="f-5464">226</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:FactoringAccountsPayable" scale="6" id="f-5465">272</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Unsettled financial transactions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:UnsettledFinancialTransactionsLiability" format="ixt:num-dot-decimal" scale="6" id="f-5466">3,860</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:UnsettledFinancialTransactionsLiability" format="ixt:num-dot-decimal" scale="6" id="f-5467">7,421</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:LeaseLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5469">1,822</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:LeaseLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5470">2,202</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:LeaseLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5471">2,400</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other financial liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:OtherFinancialLiabilitiesUnspecified" format="ixt:num-dot-decimal" scale="6" id="f-5472">21,645</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:OtherFinancialLiabilitiesUnspecified" format="ixt:num-dot-decimal" scale="6" id="f-5473">21,683</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:OtherFinancialLiabilitiesUnspecified" format="ixt:num-dot-decimal" scale="6" id="f-5474">23,065</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5475">36,118</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:OtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5476">39,916</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid 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detail of the residual maturity periods of other financial liabilities at each year-end.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline">Lease liabilities</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:130%">The cash outflow of leases in 2025 was EUR <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:CashOutflowForLeases" scale="6" id="f-5478">510</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:CashOutflowForLeases" scale="6" id="f-5479">684</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:CashOutflowForLeases" scale="6" id="f-5480">738</ix:nonFraction> in 2024 and 2023, respectively).</span></div><ix:continuation id="f-4960-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The analysis of the maturities of lease liabilities at 31 December 2025, 2024 and 2023 is shown below:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:55.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.407%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander 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id="f-5481">466</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2455" decimals="-6" name="ifrs-full:LeaseLiabilities" scale="6" id="f-5482">526</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2456" decimals="-6" name="ifrs-full:LeaseLiabilities" scale="6" id="f-5483">586</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Between 1 and 3 years</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2457" decimals="-6" name="ifrs-full:LeaseLiabilities" scale="6" id="f-5484">619</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2458" decimals="-6" name="ifrs-full:LeaseLiabilities" scale="6" id="f-5485">868</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2459" decimals="-6" name="ifrs-full:LeaseLiabilities" scale="6" id="f-5486">918</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">During 2025, 2024 and 2023 there were no significant variable lease payments not included in the valuation of lease liabilities.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_991"></div><div style="margin-bottom:6pt"><span><br/></span></div><div 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format="ixt:num-dot-decimal" scale="6" id="f-5498">1,656</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-63" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5499">1,731</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" 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solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-66" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5502">915</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-67" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5503">880</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for taxes and other legal contingencies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-68" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5504">2,989</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-69" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5505">2,717</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-70" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5506">2,715</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Contingent liabilities and commitments (note 2.o)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-71" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5507">713</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-72" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5508">710</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-73" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5509">702</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-74" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5510">2,004</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-75" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5511">2,334</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-76" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5512">1,919</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5513">8,355</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5514">8,407</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5515">8,441</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div></ix:nonNumeric></ix:nonNumeric><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">219</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-202"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-5496-1" continuedAt="f-5496-2"><div style="margin-bottom:6pt;margin-top:6pt;padding-right:263.62pt"><span id="i9aa81f137b604657b7fb798fe14e0ce5"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Changes</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfProvisionRollForwardTableTextBlock" id="f-5516" escape="true"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in 'Provisions' in the last three years were as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:42.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.307%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.603%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.532%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Post employment plans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Long term employee benefits</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Contingent liabilities and commitments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other provisions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balances at beginning of year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-63" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5517">1,731</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-66" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5518">915</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-72" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5519">710</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2466" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5520">5,051</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5521">8,407</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Incorporation of Group companies, net</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2467" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions" scale="6" id="f-5522">13</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2468" decimals="-6" name="san:IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions" format="ixt:fixed-zero" scale="6" id="f-5523">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2469" decimals="-6" name="san:IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions" format="ixt:fixed-zero" scale="6" id="f-5524">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2470" decimals="-6" name="san:IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions" format="ixt:fixed-zero" scale="6" id="f-5525">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions" scale="6" id="f-5526">13</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Additions charged to income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2467" decimals="-6" name="san:IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions" scale="6" id="f-5527">75</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2468" decimals="-6" name="san:IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions" scale="6" id="f-5528">437</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2469" decimals="-6" name="san:IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions" scale="6" id="f-5529">50</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2470" decimals="-6" name="san:IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions" format="ixt:num-dot-decimal" scale="6" id="f-5530">1,872</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions" format="ixt:num-dot-decimal" scale="6" id="f-5531">2,434</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest expense (note 39)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2467" decimals="-6" name="san:IncreaseThroughPensionInterestExpenseProvision" scale="6" id="f-5532">59</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2468" decimals="-6" name="san:IncreaseThroughPensionInterestExpenseProvision" scale="6" id="f-5533">32</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2469" decimals="-6" name="san:IncreaseThroughPensionInterestExpenseProvision" format="ixt:fixed-zero" scale="6" id="f-5534">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2470" decimals="-6" name="san:IncreaseThroughPensionInterestExpenseProvision" format="ixt:fixed-zero" scale="6" id="f-5535">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:IncreaseThroughPensionInterestExpenseProvision" scale="6" id="f-5536">91</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Staff costs (note 46)</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2467" decimals="-6" name="san:IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" scale="6" id="f-5537">32</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2468" decimals="-6" name="san:IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" scale="6" id="f-5538">9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2469" decimals="-6" name="san:IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" format="ixt:fixed-zero" scale="6" id="f-5539">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2470" decimals="-6" name="san:IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" format="ixt:fixed-zero" scale="6" id="f-5540">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" scale="6" id="f-5541">41</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Provisions or reversion of provisions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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id="f-5589">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2470" decimals="-6" name="san:DecreaseThroughAmountsUsedProvisions" format="ixt:num-dot-decimal" scale="6" id="f-5590">1,914</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:DecreaseThroughAmountsUsedProvisions" format="ixt:num-dot-decimal" scale="6" id="f-5591">1,914</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfer, exchange differences and other changes</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2467" decimals="-6" name="san:IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions" scale="6" id="f-5592">115</ix:nonFraction>&#160;</span></td><td 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2471" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5600">4,993</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5601">8,355</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:18.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.381%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.239%"/><td style="width:0.1%"/></tr><tr><td colspan="36" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Post employment plans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Long term employee benefits</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Contingent liabilities and commitments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Other provisions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Post employment plans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Long term employee benefits</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Contingent liabilities and commitments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Other provisions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balances at beginning of year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-64" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5602">2,225</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-67" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5603">880</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-73" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5604">702</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2472" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5605">4,634</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5606">8,441</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2473" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5607">2,392</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2474" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5608">950</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2475" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5609">734</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2476" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5610">4,073</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-241" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5611">8,149</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Incorporation of Group companies, net</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2477" decimals="-6" name="san:IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions" format="ixt:fixed-zero" scale="6" id="f-5612">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2478" decimals="-6" name="san:IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions" format="ixt:fixed-zero" scale="6" id="f-5613">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2479" decimals="-6" name="san:IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions" format="ixt:fixed-zero" scale="6" id="f-5614">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2480" decimals="-6" name="san:IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions" format="ixt:fixed-zero" scale="6" id="f-5615">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions" format="ixt:fixed-zero" scale="6" id="f-5616">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2481" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions" scale="6" id="f-5617">4</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2482" decimals="-6" name="san:IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions" format="ixt:fixed-zero" scale="6" id="f-5618">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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name="san:IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions" scale="6" id="f-5627">92</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2482" decimals="-6" name="san:IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions" scale="6" id="f-5628">244</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2477" decimals="-6" name="san:IncreaseThroughPensionInterestExpenseProvision" scale="6" id="f-5632">76</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2478" decimals="-6" name="san:IncreaseThroughPensionInterestExpenseProvision" scale="6" id="f-5633">29</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2479" decimals="-6" name="san:IncreaseThroughPensionInterestExpenseProvision" format="ixt:fixed-zero" scale="6" id="f-5634">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2480" decimals="-6" name="san:IncreaseThroughPensionInterestExpenseProvision" format="ixt:fixed-zero" scale="6" id="f-5635">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:IncreaseThroughPensionInterestExpenseProvision" scale="6" id="f-5636">105</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2481" decimals="-6" name="san:IncreaseThroughPensionInterestExpenseProvision" scale="6" id="f-5637">59</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2482" decimals="-6" name="san:IncreaseThroughPensionInterestExpenseProvision" scale="6" id="f-5638">34</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2483" decimals="-6" name="san:IncreaseThroughPensionInterestExpenseProvision" format="ixt:fixed-zero" scale="6" id="f-5639">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2484" decimals="-6" name="san:IncreaseThroughPensionInterestExpenseProvision" format="ixt:fixed-zero" scale="6" id="f-5640">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:IncreaseThroughPensionInterestExpenseProvision" scale="6" id="f-5641">93</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Staff costs (note 46)</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2477" decimals="-6" name="san:IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" scale="6" id="f-5642">34</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2478" decimals="-6" name="san:IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" scale="6" id="f-5643">11</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2479" decimals="-6" name="san:IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" format="ixt:fixed-zero" scale="6" id="f-5644">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2480" decimals="-6" name="san:IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" format="ixt:fixed-zero" scale="6" id="f-5645">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" scale="6" id="f-5646">45</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2481" decimals="-6" name="san:IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" scale="6" id="f-5647">33</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2482" decimals="-6" name="san:IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" scale="6" id="f-5648">9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2483" decimals="-6" name="san:IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" format="ixt:fixed-zero" scale="6" id="f-5649">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2484" decimals="-6" name="san:IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" format="ixt:fixed-zero" scale="6" id="f-5650">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" scale="6" id="f-5651">42</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Provisions or reversion of provisions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2477" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughExtraordinaryProvisions" scale="6" id="f-5652">16</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2478" decimals="-6" name="san:IncreaseDecreaseThroughExtraordinaryProvisions" scale="6" id="f-5653">328</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2479" decimals="-6" name="san:IncreaseDecreaseThroughExtraordinaryProvisions" scale="6" id="f-5654">47</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2480" decimals="-6" name="san:IncreaseDecreaseThroughExtraordinaryProvisions" format="ixt:num-dot-decimal" scale="6" id="f-5655">2,703</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:IncreaseDecreaseThroughExtraordinaryProvisions" format="ixt:num-dot-decimal" scale="6" id="f-5656">3,062</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2481" decimals="-6" name="san:IncreaseDecreaseThroughExtraordinaryProvisions" format="ixt:fixed-zero" scale="6" id="f-5657">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2482" decimals="-6" name="san:IncreaseDecreaseThroughExtraordinaryProvisions" scale="6" id="f-5658">201</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2483" decimals="-6" sign="-" name="san:IncreaseDecreaseThroughExtraordinaryProvisions" scale="6" id="f-5659">38</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2484" decimals="-6" name="san:IncreaseDecreaseThroughExtraordinaryProvisions" format="ixt:num-dot-decimal" scale="6" id="f-5660">1,895</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:IncreaseDecreaseThroughExtraordinaryProvisions" format="ixt:num-dot-decimal" scale="6" id="f-5661">2,058</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Addition</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2477" decimals="-6" name="san:IncreaseThroughAdditionOfExtraordinaryProvisions" scale="6" id="f-5662">5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2478" decimals="-6" name="san:IncreaseThroughAdditionOfExtraordinaryProvisions" scale="6" id="f-5663">335</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2479" decimals="-6" name="san:IncreaseThroughAdditionOfExtraordinaryProvisions" scale="6" id="f-5664">430</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2480" decimals="-6" name="san:IncreaseThroughAdditionOfExtraordinaryProvisions" format="ixt:num-dot-decimal" scale="6" id="f-5665">4,026</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:IncreaseThroughAdditionOfExtraordinaryProvisions" format="ixt:num-dot-decimal" scale="6" id="f-5666">4,796</ix:nonFraction>&#160;</span></td><td 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name="san:IncreaseThroughAdditionOfExtraordinaryProvisions" scale="6" id="f-5668">204</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2483" decimals="-6" name="san:IncreaseThroughAdditionOfExtraordinaryProvisions" scale="6" id="f-5669">378</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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contextRef="c-2477" decimals="-6" name="san:DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions" scale="6" id="f-5702">153</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2478" decimals="-6" name="san:DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions" scale="6" id="f-5703">331</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions" scale="6" id="f-5706">484</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2481" decimals="-6" name="san:DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions" scale="6" id="f-5707">182</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2482" decimals="-6" name="san:DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions" scale="6" id="f-5708">316</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2483" decimals="-6" name="san:DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions" format="ixt:fixed-zero" scale="6" id="f-5709">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2484" decimals="-6" name="san:DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions" format="ixt:fixed-zero" scale="6" id="f-5710">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions" scale="6" id="f-5711">498</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Insurance premiums paid</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2477" decimals="-6" name="san:DecreaseThroughInsurancePremiumsPaidProvisions" format="ixt:fixed-zero" scale="6" id="f-5712">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2478" decimals="-6" name="san:DecreaseThroughInsurancePremiumsPaidProvisions" format="ixt:fixed-zero" scale="6" id="f-5713">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2479" decimals="-6" name="san:DecreaseThroughInsurancePremiumsPaidProvisions" format="ixt:fixed-zero" scale="6" id="f-5714">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2480" decimals="-6" name="san:DecreaseThroughInsurancePremiumsPaidProvisions" format="ixt:fixed-zero" scale="6" id="f-5715">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2482" decimals="-6" name="san:DecreaseThroughInsurancePremiumsPaidProvisions" format="ixt:fixed-zero" scale="6" id="f-5718">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2483" decimals="-6" name="san:DecreaseThroughInsurancePremiumsPaidProvisions" format="ixt:fixed-zero" scale="6" id="f-5719">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2484" decimals="-6" name="san:DecreaseThroughInsurancePremiumsPaidProvisions" format="ixt:fixed-zero" scale="6" id="f-5720">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:DecreaseThroughInsurancePremiumsPaidProvisions" format="ixt:fixed-zero" scale="6" id="f-5721">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Payments to external funds</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2477" decimals="-6" name="san:DecreaseThroughPaymentsToExternalFundsProvisions" scale="6" id="f-5722">708</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2478" decimals="-6" name="san:DecreaseThroughPaymentsToExternalFundsProvisions" format="ixt:fixed-zero" scale="6" id="f-5723">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2479" decimals="-6" name="san:DecreaseThroughPaymentsToExternalFundsProvisions" format="ixt:fixed-zero" scale="6" 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decimals="-6" name="san:DecreaseThroughPaymentsToExternalFundsProvisions" scale="6" id="f-5726">708</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2481" decimals="-6" name="san:DecreaseThroughPaymentsToExternalFundsProvisions" scale="6" id="f-5727">750</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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id="f-5738">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2483" decimals="-6" name="san:DecreaseThroughAmountsUsedProvisions" scale="6" id="f-5739">1</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2484" decimals="-6" name="san:DecreaseThroughAmountsUsedProvisions" format="ixt:num-dot-decimal" scale="6" id="f-5740">1,825</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:DecreaseThroughAmountsUsedProvisions" format="ixt:num-dot-decimal" scale="6" id="f-5741">1,826</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2483" decimals="-6" name="san:IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions" scale="6" id="f-5749">7</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2484" decimals="-6" name="san:IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions" scale="6" id="f-5750">491</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions" scale="6" id="f-5751">233</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balances at end of&#160;year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-63" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5752">1,731</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-66" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5753">915</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-72" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5754">710</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2466" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5755">5,051</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5756">8,407</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-64" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5757">2,225</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-67" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5758">880</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-73" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5759">702</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2472" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5760">4,634</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5761">8,441</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">220</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-203"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-5496-2" continuedAt="f-5496-3"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt"><span id="i546aa42ff1a044e5a34ed35e1344219f_14542"></span><span id="i11c08a01286c41e4a2247bd8f675d42d"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Provision for pensions and other obligations post &#8211;employments and Other long term employee benefits </span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfProvisionForPensionsAndSimilarObligationsTableTextBlock" id="f-5762" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Provisions for pensions and similar obligations is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:54.764%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.408%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Provisions for post-employment plans - Spanish entities</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2485" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5763">602</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2486" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5764">674</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2487" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5765">770</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for other similar obligations - Spanish entities</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2488" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5766">927</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2489" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5767">852</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2490" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5768">817</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which pre-retirements</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-307" decimals="-6" name="san:ProvisionsForPreRetirements" scale="6" id="f-5769">916</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2491" decimals="-6" name="san:ProvisionsForPreRetirements" scale="6" id="f-5770">839</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2492" decimals="-6" name="san:ProvisionsForPreRetirements" scale="6" id="f-5771">805</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for post-employment plans - United Kingdom</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2493" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5772">26</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2494" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5773">28</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2495" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5774">76</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for post-employment plans - Other subsidiaries</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2496" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5775">1,028</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2497" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5776">1,029</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2498" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5777">1,379</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for other similar obligations - Other subsidiaries</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2499" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5778">66</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2500" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5779">63</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2501" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-5780">63</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Provision for pensions and other obligations post -employments and Other long term employee benefits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2502" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5781">2,649</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2503" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5782">2,646</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2504" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-5783">3,105</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;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:105%">Of which defined benefits</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:ProvisionForDefinedBenefits" format="ixt:num-dot-decimal" scale="6" id="f-5784">2,637</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:ProvisionForDefinedBenefits" format="ixt:num-dot-decimal" scale="6" id="f-5785">2,638</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:ProvisionForDefinedBenefits" format="ixt:num-dot-decimal" scale="6" id="f-5786">3,097</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span id="ie5766de2c8fa42fca22f4bfbcd5a069f"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Spanish entities&#160;- Post-employment plans and other similar obligations</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:130%">At 31 December 2025, 2024 and 2023, the Spanish entities had post-employment benefit obligations under defined contribution and defined benefit plans. In addition, in various&#160;years some of the consolidated entities offered certain of their employees the possibility of taking pre-retirement and, therefore, provisions are recognised each&#160;year for the obligations to employees taking pre-retirement&#160;-in terms of salaries and other employee benefit costs- from the date of their pre-retirement to the agreed end date.</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:130%">In 2023, the provisions made to cover the commitments with <ix:nonFraction unitRef="people" contextRef="c-87" decimals="INF" name="san:NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers" scale="0" id="f-5787">502</ix:nonFraction> employees covered by early retirement and incentivized dismissals plan amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers" scale="6" id="f-5788">160</ix:nonFraction>&#160;million. </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:130%">In 2024, the provisions made to cover the commitments with <ix:nonFraction unitRef="people" contextRef="c-86" decimals="INF" name="san:NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers" scale="0" id="f-5789">826</ix:nonFraction> employees covered by early retirements and incentivized dismissals amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers" scale="6" id="f-5790">303</ix:nonFraction>&#160;million.</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:130%">In 2025, the provisions made to cover the commitments with <ix:nonFraction unitRef="people" contextRef="c-1" decimals="INF" name="san:NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers" format="ixt:num-dot-decimal" scale="0" id="f-5791">1,238</ix:nonFraction> employees covered by early retirements and incentivized dismissals amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers" scale="6" id="f-5792">389</ix:nonFraction> million.</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:130%">The expenses incurred by the Spanish companies in 2025, 2024 and 2023 in respect of contributions to defined contribution plans amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-2505" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="f-5793">130</ix:nonFraction> million, EUR <ix:nonFraction unitRef="eur" contextRef="c-2506" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="f-5794">126</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-2507" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="f-5795">116</ix:nonFraction> million, respectively.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The amount of the defined benefit obligations was determined on the basis of the work performed by independent actuaries using the following actuarial techniques:</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">1.&#160;&#160;&#160;&#160;Valuation method: projected unit credit method, which sees each period of service as giving rise to an additional unit of benefit entitlement and measures each unit separately.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">2.&#160;&#160;&#160;&#160;Actuarial assumptions used: unbiased and mutually compatible. <ix:nonNumeric contextRef="c-1" name="san:DisclosureOfActuarialAssumptionsUsedToCalculateDefinedBenefitObligationsTableTextBlock" id="f-5796" continuedAt="f-5796-1" escape="true">Specifically, the most significant actuarial assumptions used in the calculations were as follows:</ix:nonNumeric></span></div></div></div><ix:continuation id="f-5796-1" continuedAt="f-5796-2"><div style="margin-bottom:3pt;padding-left:18pt;text-indent:-18pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:22.307%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.603%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.307%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.344%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.682%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Post-employment&#160;plans</span></td><td colspan="3" style="padding:0 6.62pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other&#160;similar&#160;obligations</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 12.25pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Annual discount rate</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2485" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-5797">3.75</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2486" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-5798">3.00</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2487" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-5799">3.35</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2488" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-5800">3.75</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2489" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-5801">3.00</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2490" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-5802">3.35</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Mortality tables</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">PER2020 M/F Col. Orden 1</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">PER2020 M/F Col. Orden 1</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">PER2020 M/F Col. Orden 1</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">PER2020 M/F Col. Orden 1</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">PER2020 M/F Col. Orden 1</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">PER2020 M/F Col. Orden 1</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cumulative annual CPI growth</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2485" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfInflation" scale="-2" id="f-5803">2.00</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2486" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfInflation" scale="-2" id="f-5804">2.00</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2487" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfInflation" scale="-2" id="f-5805">2.00</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2488" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfInflation" scale="-2" id="f-5806">2.00</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2489" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfInflation" scale="-2" id="f-5807">2.00</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2490" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfInflation" scale="-2" id="f-5808">2.00</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Annual salary increase rate</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2485" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" scale="-2" id="f-5809">1.25</ix:nonFraction>%</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2486" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" scale="-2" id="f-5810">1.25</ix:nonFraction>%</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2487" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" scale="-2" id="f-5811">1.25</ix:nonFraction>%</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Annual social security pension increase rate</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2485" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases" scale="-2" id="f-5812">2.12</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2486" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases" scale="-2" id="f-5813">2.12</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2487" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases" scale="-2" id="f-5814">2.12</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Annual benefit increase rate</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2488" decimals="2" name="san:ActuarialAssumptionOfExpectedAnnualRateOfBenefitIncreases" scale="-2" id="f-5815">0</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2489" decimals="2" name="san:ActuarialAssumptionOfExpectedAnnualRateOfBenefitIncreases" scale="-2" id="f-5816">0</ix:nonFraction></span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2490" decimals="2" name="san:ActuarialAssumptionOfExpectedAnnualRateOfBenefitIncreases" scale="-2" id="f-5817">0</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><ix:continuation id="f-5796-2" continuedAt="f-5796-3"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span></ix:continuation><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"><ix:continuation id="f-5796-3" continuedAt="f-5796-4">Corresponds to the group&#8217;s defined-benefit obligations</ix:continuation>.</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:130%">The discount rate used for the flows was determined by reference to high-quality corporate bonds (at least AA in euros) matching the durations of the commitments. From the bond portfolio considered, callable, putable and sinkable bonds, which could distort the rates, are excluded. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;margin-top:15pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Any changes in the main assumptions could affect the calculation of the obligations. At 31 December 2025, if the discount rate used had been decreased or increased by <ix:nonFraction unitRef="number" contextRef="c-2508" decimals="INF" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" scale="-4" id="f-5818"><ix:nonFraction unitRef="number" contextRef="c-2508" decimals="INF" name="ifrs-full:PercentageOfReasonablyPossibleDecreaseInActuarialAssumption" scale="-4" id="f-5819">50</ix:nonFraction></ix:nonFraction> basis points (bp), there would have been an increase or decrease in the present value of the post-employment obligations of <ix:nonFraction unitRef="number" contextRef="c-2509" decimals="4" name="san:IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption" scale="-2" id="f-5820">4.02</ix:nonFraction>% (-50 bp) to -<ix:nonFraction unitRef="number" contextRef="c-2509" decimals="4" sign="-" name="san:IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="-2" id="f-5821">3.75</ix:nonFraction>% (+50 bp),respectively, and an increase or decrease in the present value of the long-term obligations of <ix:nonFraction unitRef="number" contextRef="c-2510" decimals="4" name="san:IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption" scale="-2" id="f-5822">1.15</ix:nonFraction>% (-50 bp) to -<ix:nonFraction unitRef="number" contextRef="c-2510" decimals="4" sign="-" name="san:IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="-2" id="f-5823">1.15</ix:nonFraction>% (+50 bp), respectively.</span></div><div style="margin-bottom:9pt;margin-top:15pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">These changes would be offset in part by increases or decreases in the fair value of the assets and insurance contracts linked to pensions.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">221</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-204"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-5496-3" continuedAt="f-5496-4"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">3. The estimated retirement age of each employee is the first at which the employee is entitled to retire or the agreed-upon age, as appropriate.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfExpectedRateOfReturnAssumptionsTableTextBlock" id="f-5824" continuedAt="f-5824-1" escape="true"><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The fair value of insurance contracts was determined as the present value of the related payment obligations, taking into account the following assumptions:</span></div></div></ix:nonNumeric></div><ix:continuation id="f-5824-1"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:50.603%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.985%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.757%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="9" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Post-employment&#160;plans</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="9" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other&#160;similar&#160;obligations</span></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Expected rate of return on plan assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2511" decimals="4" name="san:ExpectedRateOfReturnOnPlanAssets" scale="-2" id="f-5825">3.75</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2512" decimals="4" name="san:ExpectedRateOfReturnOnPlanAssets" scale="-2" id="f-5826">3.00</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2513" decimals="4" name="san:ExpectedRateOfReturnOnPlanAssets" scale="-2" id="f-5827">3.35</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2514" decimals="4" name="san:ExpectedRateOfReturnOnPlanAssets" scale="-2" id="f-5828">3.75</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2515" decimals="4" name="san:ExpectedRateOfReturnOnPlanAssets" scale="-2" id="f-5829">3.00</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2516" decimals="4" name="san:ExpectedRateOfReturnOnPlanAssets" scale="-2" id="f-5830">3.35</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Expected rate of return on reimbursement rights</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2511" decimals="4" name="san:InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights" scale="-2" id="f-5831">3.75</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2512" decimals="4" name="san:InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights" scale="-2" id="f-5832">3.00</ix:nonFraction></span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2513" decimals="4" name="san:InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights" scale="-2" id="f-5833">3.35</ix:nonFraction></span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td></tr></table></div></ix:continuation><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfNetDefinedBenefitLiabilityAssetExplanatory" id="f-5834" continuedAt="f-5834-1" escape="true"><div style="margin-bottom:9pt;margin-top:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The funding status of the defined benefit obligations in 2025 and the two preceding&#160;years is as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:51.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.985%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.756%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="9" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Post-employment&#160;plans</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="9" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other&#160;similar&#160;obligations</span></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To current employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2517" decimals="-6" name="san:DefinedBenefitObligationToCurrentEmployeesAtPresentValue" scale="6" id="f-5835">34</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2518" decimals="-6" name="san:DefinedBenefitObligationToCurrentEmployeesAtPresentValue" scale="6" id="f-5836">49</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2519" decimals="-6" name="san:DefinedBenefitObligationToCurrentEmployeesAtPresentValue" scale="6" id="f-5837">51</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2520" decimals="-6" name="san:DefinedBenefitObligationToCurrentEmployeesAtPresentValue" format="ixt:fixed-zero" scale="6" id="f-5838">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2521" decimals="-6" name="san:DefinedBenefitObligationToCurrentEmployeesAtPresentValue" format="ixt:fixed-zero" scale="6" id="f-5839">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2522" decimals="-6" name="san:DefinedBenefitObligationToCurrentEmployeesAtPresentValue" format="ixt:fixed-zero" scale="6" id="f-5840">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Vested obligations to retired employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2517" decimals="-6" name="san:DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="f-5841">1,610</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2518" decimals="-6" name="san:DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="f-5842">1,850</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2519" decimals="-6" name="san:DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="f-5843">1,936</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Internal provisions for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander 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id="f-5882">817</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Net pension assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2517" decimals="-6" name="san:NetPensionAssets" scale="6" id="f-5883">13</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2518" decimals="-6" name="san:NetPensionAssets" scale="6" id="f-5884">6</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2519" decimals="-6" name="san:NetPensionAssets" scale="6" id="f-5885">14</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 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contextRef="c-2518" decimals="-6" name="san:InsuranceContractsLinkedToPensions" scale="6" id="f-5890">81</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2519" decimals="-6" name="san:InsuranceContractsLinkedToPensions" scale="6" id="f-5891">93</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander 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style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The amounts recognised in the consolidated income statements in relation to the aforementioned defined benefit obligations are as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"/><td style="width:50.460%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.775%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.775%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.775%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.988%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.775%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.775%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.777%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Post-employment&#160;plans</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other&#160;similar&#160;obligations</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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contextRef="c-2528" decimals="-6" name="san:PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits" scale="6" id="f-5931">13</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Pre-retirement cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2523" decimals="-6" name="san:PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits" 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style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2527" decimals="-6" name="san:PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits" scale="6" id="f-5936">303</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2528" decimals="-6" name="san:PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits" scale="6" id="f-5937">160</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2523" decimals="-6" sign="-" name="san:OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits" scale="6" id="f-5938">16</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2524" decimals="-6" sign="-" name="san:OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits" scale="6" id="f-5939">10</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2525" decimals="-6" sign="-" name="san:OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits" scale="6" id="f-5940">1</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2526" decimals="-6" name="san:OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits" format="ixt:fixed-zero" scale="6" id="f-5941">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2527" decimals="-6" sign="-" name="san:OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits" scale="6" id="f-5942">4</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2528" decimals="-6" sign="-" name="san:OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits" scale="6" id="f-5943">1</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2523" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="f-5944">13</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2524" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="f-5945">21</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2525" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="f-5946">41</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2526" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="f-5947">398</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2527" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="f-5948">325</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2528" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="f-5949">210</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Including reduction/settlement effect</span></div></ix:nonNumeric><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, in 2025 'Other comprehensive income&#160;&#8211; Items not reclassified to profit or loss&#160;&#8211; Actuarial gains or (-) losses on defined benefit pension plans' has decreased by EUR <ix:nonFraction unitRef="eur" contextRef="c-2505" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-5950">33</ix:nonFraction> million with respect to defined benefit obligations (</span><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:130%">increase</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> of EUR <ix:nonFraction unitRef="eur" contextRef="c-2506" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-5951">21</ix:nonFraction> and increase </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline">of </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">EUR <ix:nonFraction unitRef="eur" contextRef="c-2507" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-5952">10</ix:nonFraction> million in 2024 and 2023, respectively).</span></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">222</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-205"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-5496-4" continuedAt="f-5496-5"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDefinedBenefitPlansExplanatory" id="f-5953" continuedAt="f-5953-1" escape="true"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in the present value of the accrued defined benefit obligations were as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:38.603%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.832%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Post-employment&#160;plans</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other&#160;similar&#160;obligations</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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name="san:PreRetirementCostDefinedBenefitLiabilityAsset" scale="6" id="f-5981">389</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2539" decimals="-6" name="san:PreRetirementCostDefinedBenefitLiabilityAsset" scale="6" id="f-5982">303</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="margin-bottom:9pt"><span><br/></span></div></div></div></ix:nonNumeric><div style="margin-bottom:6pt;margin-top:3pt"><ix:continuation id="f-6038-1" continuedAt="f-6038-2"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:33.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.720%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2547" decimals="-6" sign="-" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-6092">7</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></ix:continuation><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfInsuranceContractsLinkedToPensionsTableTextBlock" id="f-6093" escape="true"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:33.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.720%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2524" decimals="-6" name="san:InsuranceContractsLinkedToPensionsBenefitsPaid" scale="6" id="f-6113">13</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2525" decimals="-6" name="san:InsuranceContractsLinkedToPensionsBenefitsPaid" scale="6" id="f-6114">15</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" 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id="f-6116">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2528" decimals="-6" name="san:InsuranceContractsLinkedToPensionsBenefitsPaid" format="ixt:fixed-zero" scale="6" id="f-6117">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Paid premiums</span></td><td colspan="2" 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id="f-6119">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2525" decimals="-6" name="san:InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid" format="ixt:fixed-zero" scale="6" id="f-6120">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2526" decimals="-6" name="san:InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid" format="ixt:fixed-zero" scale="6" id="f-6121">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2527" decimals="-6" name="san:InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid" format="ixt:fixed-zero" scale="6" id="f-6122">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2528" decimals="-6" name="san:InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid" format="ixt:fixed-zero" scale="6" id="f-6123">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Actuarial gains/(losses)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2523" decimals="-6" sign="-" name="san:InsuranceContractsLinkedToPensionsActuarialGainsLosses" scale="6" id="f-6124">5</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2524" decimals="-6" sign="-" name="san:InsuranceContractsLinkedToPensionsActuarialGainsLosses" scale="6" id="f-6125">2</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2525" decimals="-6" name="san:InsuranceContractsLinkedToPensionsActuarialGainsLosses" format="ixt:fixed-zero" scale="6" id="f-6126">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2526" decimals="-6" name="san:InsuranceContractsLinkedToPensionsActuarialGainsLosses" format="ixt:fixed-zero" scale="6" id="f-6127">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2527" decimals="-6" name="san:InsuranceContractsLinkedToPensionsActuarialGainsLosses" format="ixt:fixed-zero" scale="6" id="f-6128">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2528" decimals="-6" name="san:InsuranceContractsLinkedToPensionsActuarialGainsLosses" format="ixt:fixed-zero" scale="6" id="f-6129">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value of insurance contracts linked to pensions at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2517" decimals="-6" name="san:InsuranceContractsLinkedToPensions" scale="6" id="f-6130">67</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2518" decimals="-6" name="san:InsuranceContractsLinkedToPensions" scale="6" id="f-6131">81</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2519" decimals="-6" name="san:InsuranceContractsLinkedToPensions" scale="6" id="f-6132">93</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2520" decimals="-6" name="san:InsuranceContractsLinkedToPensions" format="ixt:fixed-zero" scale="6" id="f-6133">&#8212;</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2521" decimals="-6" name="san:InsuranceContractsLinkedToPensions" format="ixt:fixed-zero" scale="6" id="f-6134">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2522" decimals="-6" name="san:InsuranceContractsLinkedToPensions" format="ixt:fixed-zero" scale="6" id="f-6135">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></ix:nonNumeric></div></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">223</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-206"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-5496-5" continuedAt="f-5496-6"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In view of the conversion of the defined-benefit obligations to defined-contribution obligations, the Group will not make material current contributions in Spain in 2026 to fund its defined-benefit pension obligations.</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:130%">The plan assets and the insurance contracts linked to pensions are instrumented mainly through insurance policies.</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfBenefitsMaturityScheduleTableTextBlock" id="f-6136" continuedAt="f-6136-1" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table shows the estimated benefits payable at 31 December 2025 for the next ten&#160;years:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:86.554%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.246%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2026</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2559" decimals="-6" name="san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans" scale="6" id="f-6137">461</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2027</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2560" decimals="-6" name="san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans" scale="6" id="f-6138">391</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2028</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2561" decimals="-6" name="san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans" scale="6" id="f-6139">331</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2029</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2562" decimals="-6" name="san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans" scale="6" id="f-6140">274</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2030</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2563" decimals="-6" name="san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans" scale="6" id="f-6141">223</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2031 to 2035</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2564" decimals="-6" name="san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans" scale="6" id="f-6142">672</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:3pt;margin-top:9pt"><span id="i83f6c003c8014f2f9cba17ed12c0dc9a"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. United Kingdom</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:130%">At the end of each of the last three&#160;years, the businesses in the United Kingdom had post-employment benefit obligations under defined contribution and defined benefit plans. The expenses incurred in respect of contributions to defined contribution plans amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-2565" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="f-6143">92</ix:nonFraction> million in 2025 (EUR <ix:nonFraction unitRef="eur" contextRef="c-2566" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="f-6144">98</ix:nonFraction> million in 2024 and EUR <ix:nonFraction unitRef="eur" contextRef="c-2567" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="f-6145">87</ix:nonFraction> million in 2023).</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The amount of the defined benefit obligations was determined on the basis of the work performed by independent actuaries using the following actuarial techniques:</span></div><div><span><br/></span></div><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">1.&#160;&#160;&#160;&#160;Valuation method: projected unit credit method, which sees each period of service as giving rise to an additional unit of benefit entitlement and measures each unit separately.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">2.&#160;&#160;&#160;&#160;Actuarial assumptions used: unbiased and mutually compatible. <ix:continuation id="f-5796-4" continuedAt="f-5796-5">Specifically, the most significant actuarial assumptions used in the calculations were as follows:</ix:continuation></span></div><ix:continuation id="f-5796-5"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:20.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.776%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.813%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.815%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Annual discount rate</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2568" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-6146">5.58</ix:nonFraction>%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2569" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-6147">5.54</ix:nonFraction>%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2570" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-6148">4.63</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Mortality tables</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">''S4 Light' tables weighted 105% males/101% females and CMI_2024 projection [LTR=1.25%, A=0.25%, H=1] with both Age-Period and Cohort convergence periods equal to core values except increased to 20 years for ages 80 to 100 and then tapering down to nil by age 120</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">The S3 Middle tables weighted at 84% of the CMI_2023 projection with an initial addition of 0.25%, smoothing parameter 7 and improving 1.25%.</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">The S3 Middle tables weighted at 84% of the CMI_2022 projection with an initial addition of 0.25%, smoothing parameter 7 and improving 1.25%.</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cumulative annual CPI growth</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2568" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfInflation" scale="-2" id="f-6149">2.9</ix:nonFraction>%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2569" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfInflation" scale="-2" id="f-6150">3.11</ix:nonFraction>%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2570" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfInflation" scale="-2" id="f-6151">3.02</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Annual salary increase rate</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2568" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" scale="-2" id="f-6152">1.00</ix:nonFraction>%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2569" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" scale="-2" id="f-6153">1.00</ix:nonFraction>%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2570" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" scale="-2" id="f-6154">1.00</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Annual pension increase rate</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2568" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases" scale="-2" id="f-6155">2.78</ix:nonFraction>%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2569" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases" scale="-2" id="f-6156">3.04</ix:nonFraction>%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2570" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases" scale="-2" id="f-6157">2.96</ix:nonFraction>%</span></td></tr></table></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The discount rate used for the flows was determined by reference to high-quality corporate bonds (at least AA in pounds sterling) that coincide with the terms of the obligations.</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:130%">Any changes in the main assumptions could affect the calculation of the obligations. At 31 December 2025, if the discount rate used had been decreased or increased by <ix:nonFraction unitRef="number" contextRef="c-2571" decimals="INF" name="ifrs-full:PercentageOfReasonablyPossibleDecreaseInActuarialAssumption" scale="-4" id="f-6158"><ix:nonFraction unitRef="number" contextRef="c-2571" decimals="INF" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" scale="-4" id="f-6159">50</ix:nonFraction></ix:nonFraction> basis points, there would have been an increase or decrease in the present value of the obligations of <ix:nonFraction unitRef="number" contextRef="c-2571" decimals="4" name="san:IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption" scale="-2" id="f-6160">5.82</ix:nonFraction>% (-50 bp) and -<ix:nonFraction unitRef="number" contextRef="c-2571" decimals="4" sign="-" name="san:IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="-2" id="f-6161">5.28</ix:nonFraction>% (+50 bp), respectively. If the inflation assumption had been increased or decreased by <ix:nonFraction unitRef="number" contextRef="c-2572" decimals="INF" name="ifrs-full:PercentageOfReasonablyPossibleDecreaseInActuarialAssumption" scale="-4" id="f-6162"><ix:nonFraction unitRef="number" contextRef="c-2572" decimals="INF" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" scale="-4" id="f-6163">50</ix:nonFraction></ix:nonFraction> basis points, there would have been an increase or decrease in the present value of the obligations of <ix:nonFraction unitRef="number" contextRef="c-2572" decimals="4" name="san:IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="-2" id="f-6164">4.23</ix:nonFraction>% (+50 bp) and -<ix:nonFraction unitRef="number" contextRef="c-2572" decimals="4" sign="-" name="san:IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption" scale="-2" id="f-6165">4.14</ix:nonFraction>% (-50 bp), respectively. These changes would be offset in part by increases or decreases in the fair value of the assets.</span></div><ix:continuation id="f-5834-1" continuedAt="f-5834-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The funding status of the defined benefit obligations in 2025 and the two preceding&#160;years 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:99.782%"><tr><td style="width:1.0%"/><td style="width:55.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.407%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2568" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="f-6166">8,164</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2569" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="f-6167">8,898</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2570" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="f-6168">9,451</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Less-</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Fair value of plan assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2568" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-6169">8,740</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2569" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-6170">9,400</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2570" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-6171">10,208</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions&#160;- Provisions for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2568" decimals="-6" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="f-6172">576</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2569" decimals="-6" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="f-6173">502</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2570" decimals="-6" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="f-6174">757</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Internal provisions for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2568" decimals="-6" name="san:InternalProvisionsForPensions" scale="6" id="f-6175">25</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2569" decimals="-6" name="san:InternalProvisionsForPensions" scale="6" id="f-6176">28</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2570" decimals="-6" name="san:InternalProvisionsForPensions" scale="6" id="f-6177">76</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Net assets for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2568" decimals="-6" name="san:NetAssetsForPensions" scale="6" id="f-6178">601</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2569" decimals="-6" name="san:NetAssetsForPensions" scale="6" id="f-6179">530</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2570" decimals="-6" name="san:NetAssetsForPensions" scale="6" id="f-6180">833</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation><div style="margin-bottom:9pt"><span><br/></span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">224</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-207"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-5496-6" continuedAt="f-5496-7"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-5901-1" continuedAt="f-5901-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The amounts recognised in the consolidated income statements in relation to the aforementioned defined benefit obligations are 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:99.782%"><tr><td style="width:1.0%"/><td style="width:61.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.245%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.245%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.248%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Current service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2565" decimals="-6" name="san:DefinedBenefitPlansServiceCost" scale="6" id="f-6181">9</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2566" decimals="-6" name="san:DefinedBenefitPlansServiceCost" scale="6" id="f-6182">13</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid 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unitRef="eur" contextRef="c-2565" decimals="-6" sign="-" name="san:DefinedBenefitPlansInterestExpenseNet" scale="6" id="f-6184">31</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2566" decimals="-6" sign="-" name="san:DefinedBenefitPlansInterestExpenseNet" scale="6" id="f-6185">40</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2567" decimals="-6" sign="-" name="san:DefinedBenefitPlansInterestExpenseNet" scale="6" id="f-6186">62</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions or reversal of provisions, net</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="c-2565" xsi:nil="true" name="san:DefinedBenefitPlansProvisionsReversalNet" id="f-6187"></ix:nonFraction></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="c-2566" 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id="f-6190">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2566" decimals="-6" name="san:DefinedBenefitPlansCostOfServicesProvided" format="ixt:fixed-zero" scale="6" id="f-6191">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2567" decimals="-6" name="san:DefinedBenefitPlansCostOfServicesProvided" format="ixt:fixed-zero" scale="6" id="f-6192">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Others</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2565" decimals="-6" name="san:DefinedBenefitPlansOthers" format="ixt:fixed-zero" scale="6" id="f-6193">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2566" decimals="-6" name="san:DefinedBenefitPlansOthers" format="ixt:fixed-zero" scale="6" id="f-6194">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2567" decimals="-6" name="san:DefinedBenefitPlansOthers" format="ixt:fixed-zero" scale="6" id="f-6195">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2565" decimals="-6" sign="-" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="f-6196">22</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt 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id="f-6198">48</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, in 2025 'Other comprehensive income&#160;&#8211; Items not reclassified to profit or loss&#160;&#8211; Actuarial gains or (-) losses on defined benefit pension plans has increased by EUR <ix:nonFraction unitRef="eur" contextRef="c-2565" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-6199">117</ix:nonFraction> million with respect to defined benefit obligations ( increase of EUR <ix:nonFraction unitRef="eur" contextRef="c-2566" decimals="-6" 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style="width:1.0%"/><td style="width:11.245%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.245%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.248%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-6239">8,898</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2574" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-6240">9,451</ix:nonFraction></span><span style="color:#000000;font-family:'Santander 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style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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#9c9c9c;padding:2px 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:105%">Net incorporation of companies into the Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2583" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-6244">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2584" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-6245">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2585" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" scale="6" id="f-6246">41</ix:nonFraction>)</span></td><td 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0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Contributions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2583" decimals="-6" name="ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset" scale="6" id="f-6253">203</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2584" decimals="-6" name="ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset" scale="6" id="f-6254">182</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2585" decimals="-6" name="ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset" scale="6" id="f-6255">225</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Actuarial gains/(losses)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2583" decimals="-6" sign="-" name="san:ActuarialGainsLossesDefinedBenefitLiabilityAsset" scale="6" id="f-6256">421</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2583" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-6259">469</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2584" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-6260">437</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2585" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-6261">214</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value of plan assets at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2586" decimals="-6" sign="-" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-6262">8,740</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2580" decimals="-6" sign="-" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-6263">9,400</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2581" decimals="-6" sign="-" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-6264">10,208</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2026 the Group expects to make current contributions to fund these obligations for amounts similar to those made in 2025.</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfMainCategoriesOfDefinedBenefitPlanAssetsTableTextBlock" id="f-6265" continuedAt="f-6265-1" escape="true"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The main categories of plan assets as a&#160;percentage of total plan assets are 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:99.782%"><tr><td style="width:1.0%"/><td style="width:60.628%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.480%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.245%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.247%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2587" decimals="2" name="san:PlanAssetsAllocationPercentage" format="ixt:fixed-zero" scale="6" id="f-6266">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2588" decimals="2" name="san:PlanAssetsAllocationPercentage" format="ixt:fixed-zero" scale="0" id="f-6267">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2589" decimals="2" name="san:PlanAssetsAllocationPercentage" format="ixt:fixed-zero" scale="0" id="f-6268">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2590" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6269">67</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2591" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6270">66</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2592" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6271">62</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Properties</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2593" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6272">11</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2594" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6273">14</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2595" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6274">12</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2596" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6275">22</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2597" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6276">20</ix:nonFraction></span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2598" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6277">26</ix:nonFraction></span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div></ix:nonNumeric><ix:continuation id="f-6136-1" continuedAt="f-6136-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table shows the estimated benefits payable at 31 December 2025 for the next ten&#160;years:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:86.554%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.246%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2026</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2599" decimals="-6" name="san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans" scale="6" id="f-6278">576</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2027</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2600" decimals="-6" name="san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans" scale="6" id="f-6279">485</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2028</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2601" decimals="-6" name="san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans" scale="6" id="f-6280">503</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2029</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2602" decimals="-6" name="san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans" scale="6" id="f-6281">527</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2030</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2603" decimals="-6" name="san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans" scale="6" id="f-6282">545</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2031 to 2035</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2604" decimals="-6" name="san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-6283">2,801</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation><div style="margin-bottom:3pt;margin-top:9pt"><span id="ieeb2f13312bf454e82ba1e3634f2d155"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Other foreign subsidiaries</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:130%">Certain of the consolidated foreign entities have acquired commitments to their employees similar to post-employment benefits.</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:130%">At 31 December 2025, 2024 and 2023, these entities had defined-contribution and defined-benefit post-employment benefit obligations. The expenses incurred in respect of contributions to defined contribution plans amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="f-6284">110</ix:nonFraction> million in 2025 (EUR <ix:nonFraction unitRef="eur" contextRef="c-2606" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="f-6285">133</ix:nonFraction> million at 31 December 2024  and EUR <ix:nonFraction unitRef="eur" contextRef="c-2607" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="f-6286">107</ix:nonFraction> million at 31 December 2023).</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:130%">The actuarial assumptions used by these entities (discount rates, mortality tables and cumulative annual CPI growth) are consistent with the economic and social conditions prevailing in the countries in which they are located.</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:130%">Specifically, the discount rate used for the flows was determined by reference to high-quality corporate bonds, except in the case of Brazil where there is no extensive corporate bond market and, accordingly the discount rate was determined by reference to the series B bonds issued by the Brazilian National Treasury Secretariat for a term coinciding with that of the obligations. In Brazil the discount rate used was between <ix:nonFraction unitRef="number" contextRef="c-2608" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-6287">10.52</ix:nonFraction>% and <ix:nonFraction unitRef="number" contextRef="c-2609" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-6288">10.65</ix:nonFraction>%, the CPI <ix:nonFraction unitRef="number" contextRef="c-2610" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfInflation" scale="-2" id="f-6289">3.00</ix:nonFraction>% and the mortality table the AT-2000, AT-2000 Basic y AT-2000 S10.</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:130%">Any changes in the main assumptions could affect the calculation of the obligations. At 31 December 2025, if the discount rate used had been decreased or increased by <ix:nonFraction unitRef="number" contextRef="c-2611" decimals="4" name="ifrs-full:PercentageOfReasonablyPossibleDecreaseInActuarialAssumption" scale="-4" id="f-6290"><ix:nonFraction unitRef="number" contextRef="c-2611" decimals="4" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" scale="-4" id="f-6291">50</ix:nonFraction></ix:nonFraction> basis points, there would have been an increase or decrease in the present value of the obligations of <ix:nonFraction unitRef="number" contextRef="c-2611" decimals="4" name="san:IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption" scale="-2" id="f-6292">3.92</ix:nonFraction>% (-<ix:nonFraction unitRef="number" contextRef="c-2611" decimals="4" name="ifrs-full:PercentageOfReasonablyPossibleDecreaseInActuarialAssumption" scale="-4" id="f-6293">50</ix:nonFraction> bp) and -<ix:nonFraction unitRef="number" contextRef="c-2611" decimals="4" sign="-" name="san:IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" scale="-2" id="f-6294">3.53</ix:nonFraction>% (+<ix:nonFraction unitRef="number" contextRef="c-2611" decimals="4" name="ifrs-full:PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" scale="-4" id="f-6295">50</ix:nonFraction> bp), respectively. These changes would be offset in part by increases or decreases in the fair value of the assets.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">225</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-208"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-5496-7" continuedAt="f-5496-8"><ix:continuation id="f-5834-2"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The funding status of the obligations similar to post-employment benefits and other long-term benefits in 2025 and the two preceding&#160;years is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:56.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.976%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">Of which business in Brazil</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2612" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="f-6296">6,886</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2610" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="f-6297">4,569</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2613" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="f-6298">6,903</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2614" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="f-6299">8,485</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Less-</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:400;line-height:105%">Of which: with a charge to the participants</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt 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decimals="-6" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="f-6309">313</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2613" decimals="-6" sign="-" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="f-6310">244</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2614" decimals="-6" sign="-" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="f-6311">584</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2610" decimals="-6" name="san:InternalProvisionsForPensions" scale="6" id="f-6313">210</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2613" decimals="-6" name="san:InternalProvisionsForPensions" format="ixt:num-dot-decimal" 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cost (net)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" name="san:DefinedBenefitPlansInterestExpenseNet" scale="6" id="f-6327">68</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2606" decimals="-6" name="san:DefinedBenefitPlansInterestExpenseNet" scale="6" id="f-6328">92</ix:nonFraction>&#160;</span></td><td 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2606" decimals="-6" name="san:PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits" scale="6" id="f-6334">2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2607" decimals="-6" name="san:PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits" scale="6" id="f-6335">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Pre-retirement cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" name="san:PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits" scale="6" id="f-6336">3</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2606" decimals="-6" name="san:PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits" format="ixt:fixed-zero" scale="6" id="f-6337">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2607" decimals="-6" name="san:PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits" 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Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in the present value of the accrued obligations were 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:99.782%"><tr><td style="width:1.0%"/><td style="width:58.776%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.480%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.173%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span 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name="san:PreRetirementCostDefinedBenefitLiabilityAsset" scale="6" id="f-6360">3</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2619" decimals="-6" name="san:PreRetirementCostDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-6361">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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name="san:EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset" scale="6" id="f-6363">2</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2619" decimals="-6" name="san:EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset" scale="6" id="f-6364">10</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="width:1.0%"/><td style="width:11.248%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="background-color:#ebebeb;padding:0 1pt"/><td colspan="3" style="background-color:#ebebeb;padding:2px 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:105%">2025</span></td><td colspan="3" style="background-color:#ebebeb;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ebebeb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2626" decimals="-6" sign="-" name="ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-6403">1,022</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2627" decimals="-6" sign="-" name="ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset" scale="6" id="f-6404">644</ix:nonFraction>)</span></td><td 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0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Actuarial gains/(losses)</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2625" decimals="-6" sign="-" name="san:ActuarialGainsLossesDefinedBenefitLiabilityAsset" scale="6" id="f-6408">201</ix:nonFraction>)</span></td><td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2626" decimals="-6" sign="-" name="san:ActuarialGainsLossesDefinedBenefitLiabilityAsset" scale="6" id="f-6409">304</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2627" decimals="-6" name="san:ActuarialGainsLossesDefinedBenefitLiabilityAsset" scale="6" id="f-6410">110</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Settlements gains/(losses)</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2625" decimals="-6" sign="-" name="ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" scale="6" id="f-6411">1</ix:nonFraction>)</span></td><td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2626" decimals="-6" name="ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-6412">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2627" decimals="-6" name="ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" format="ixt:fixed-zero" scale="6" id="f-6413">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2625" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-6414">46</ix:nonFraction>&#160;</span></td><td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2626" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-6415">987</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2627" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-6416">304</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value of plan assets at end of&#160;year</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2628" decimals="-6" sign="-" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-6417">6,284</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ebebeb;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2622" decimals="-6" sign="-" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-6418">6,502</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2623" decimals="-6" sign="-" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-6419">7,787</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2026 the Group expects to make contributions to fund these obligations for amounts similar to those made in 2025.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">226</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-209"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-5496-8" continuedAt="f-5496-9"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-6265-1"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The main categories of plan assets as a&#160;percentage of total plan assets are 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:99.782%"><tr><td style="width:1.0%"/><td style="width:53.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.025%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2629" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6420">14</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2630" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6421">13</ix:nonFraction>%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2631" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6422">11</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2632" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6423">79</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2633" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6424">79</ix:nonFraction>%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2634" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6425">83</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Properties</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2635" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6426">1</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2636" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6427">1</ix:nonFraction>%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2637" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6428">1</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2638" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6429">6</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2639" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6430">7</ix:nonFraction>%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2640" decimals="2" name="san:PlanAssetsAllocationPercentage" scale="-2" id="f-6431">5</ix:nonFraction>%</span></td></tr></table></div></ix:continuation><ix:continuation id="f-6136-2"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table shows the estimated benefits payable at 31 December 2025 for the next ten&#160;years:</span></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:86.554%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.246%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2026</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2641" decimals="-6" name="san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans" scale="6" id="f-6432">746</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2027</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2642" decimals="-6" name="san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans" scale="6" id="f-6433">736</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2028</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2643" decimals="-6" name="san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans" scale="6" id="f-6434">740</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2029</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2644" decimals="-6" name="san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans" scale="6" id="f-6435">744</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2030</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2645" decimals="-6" name="san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans" scale="6" id="f-6436">747</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2031 to 2035</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2646" decimals="-6" name="san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-6437">3,790</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation><div style="margin-bottom:6pt;margin-top:6pt"><span id="i546aa42ff1a044e5a34ed35e1344219f_14561"></span><span id="i75049b1c22ed4f989cd2d88c82df2dc8"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Provisions for taxes and other legal contingencies and Other provisions</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:130%">'Provisions&#160;- Provisions for taxes and other legal contingencies' and 'Provisions&#160;- Other provisions', which include, inter alia, provisions for restructuring costs and tax-related and non-tax-related proceedings, were estimated using prudent calculation procedures in keeping with the uncertainty inherent to the obligations covered. The definitive date of the outflow of resources embodying economic benefits for the Group depends on each obligation. In certain cases, these obligations have no fixed settlement period and, in other cases, depend on the legal proceedings in progress.</span></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory" id="f-6438" continuedAt="f-6438-1" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by geographical area, of Provisions for taxes and other legal contingencies and Other provisions 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:99.782%"><tr><td style="width:1.0%"/><td style="width:61.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.245%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.245%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.248%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Recognised by Spanish companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2647" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-6439">2,033</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2648" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-6440">1,924</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2649" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-6441">1,921</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Recognised by other EU companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2650" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-6442">310</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2651" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-6443">694</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2652" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-6444">433</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Recognised by other companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2653" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-6445">2,650</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2654" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-6446">2,433</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt 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style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Brazil</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2656" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-6448">1,530</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td 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id="f-6451">736</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2660" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-6452">654</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2661" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-6453">373</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid 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solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2466" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-6455">5,051</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2472" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-6456">4,634</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Of which GBP <ix:nonFraction unitRef="gbp" contextRef="c-2662" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-6457">461</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2662" decimals="-5" name="ifrs-full:Provisions" scale="6" id="f-6458">528.1</ix:nonFraction>&#160;million) correspond to the Financial Conduct Authority (FCA) review of the Vehicle Finance Market as detailed in note 25.e.ii.</span></div></ix:nonNumeric><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Set forth below is the detail, by type of provision, of the balance at 31 December 2025, 2024 and 2023 of Provisions for taxes and other legal contingencies and Other provisions. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-6438-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The types of provision were determined by grouping together items of a similar nature:</span></div><div 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scale="6" id="f-6459">720</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2664" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-6460">727</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2665" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-6461">745</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for employment-related proceedings (Brazil)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2666" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-6462">594</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2667" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-6463">458</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2668" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-6464">611</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2678" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-6474">899</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2679" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-6475">744</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2680" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-6476">869</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2471" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-6477">4,993</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2466" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-6478">5,051</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2472" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-6479">4,634</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The provisions for taxes include provisions for tax-related proceedings.</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:130%">The provisions for employment-related proceedings (Brazil) relate to claims filed by trade unions, associations, the prosecutor&#8217;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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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, the CHF mortgage portfolio of Poland, as well as the estimated amount related to the floor clauses of Banco Popular Espa&#241;ol, S.A.U in Spain. 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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Qualitative information on the main litigation is provided in Note&#160;25 e to the consolidated financial statements.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">227</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-210"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-5496-9" continuedAt="f-5496-10"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Regarding their variations in fiscal year 2025, in provisions for labour processes and others of a legal nature, EUR <ix:nonFraction unitRef="eur" contextRef="c-2681" decimals="-6" name="ifrs-full:AdditionalProvisionsOtherProvisions" scale="6" id="f-6480">524</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-2682" decimals="-6" name="ifrs-full:AdditionalProvisionsOtherProvisions" scale="6" id="f-6481">185</ix:nonFraction> million were recorded in Brazil in 2025, making payments of EUR <ix:nonFraction unitRef="eur" contextRef="c-2681" decimals="-6" name="ifrs-full:ProvisionUsedOtherProvisions" scale="6" id="f-6482">384</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-2682" decimals="-6" name="ifrs-full:ProvisionUsedOtherProvisions" scale="6" id="f-6483">159</ix:nonFraction> million, respectively.</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1000"></div><ix:continuation id="f-5496-10" continuedAt="f-5496-11"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i10c8cccb4c114c1786b9160787d772b1"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">e) Litigation and other matters </span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="ieec7504224924a38a80531f3e18015e7"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Tax-related litigation</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:130%">At 31 December 2025 the main tax-related proceedings concerning the Group were as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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 Integra&#231;ao Social (PIS) and Contribui&#231;&#227;o 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 <ix:nonFraction unitRef="case" contextRef="c-2683" decimals="INF" name="san:NumberOfUnfavorablyCasesRuledByFederalSupremeCourt" scale="0" id="f-6484">2</ix:nonFraction> 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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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 Jur&#237;dicas - IRPJ - and Contribu&#231;ao 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 involves several cases, are pending decision in different administrative and judicial instances. <ix:nonFraction unitRef="eur" contextRef="c-2684" decimals="-6" name="ifrs-full:Provisions" format="ixt:fixed-zero" scale="0" id="f-6485">No</ix:nonFraction> provision was recognised in connection with the amount considered to be a contingent liability. </span></div></ix:continuation><div style="text-indent:8.93pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:continuation id="f-5496-11" continuedAt="f-5496-12"><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In May 2003 the Brazilian tax authorities issued separate infringement notices against Santander Distribuidora de T&#237;tulos e Valores Mobiliarios, Ltda. (DTVM, actually Santander Brasil Tecnolog&#237;a S.A.) and Banco Santander (Brasil) S.A. in relation to the Provisional Tax on Financial Movements (Contribui&#231;&#227;o Provis&#243;ria sobre Movimenta&#231;&#227;o 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 Transa&#231;ao 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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In December 2010 the Brazilian tax authorities issued an infringement notice against Santander Seguros S.A. (Brasil), (currently Zurich Santander Brasil Seguros e Previd&#234;ncia S.A.), as the successor by merger to ABN AMRO Brasil dois Participa&#231;&#245;es 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 Previd&#234;ncia S.A.), Banco Santander (Brasil) S.A. is liable in the event of any adverse outcome of this proceeding. <ix:nonFraction unitRef="eur" contextRef="c-2685" decimals="-6" name="ifrs-full:Provisions" format="ixt:fixed-zero" scale="0" id="f-6486">No</ix:nonFraction> 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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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. <ix:nonFraction unitRef="eur" contextRef="c-2686" decimals="-6" name="ifrs-full:Provisions" format="ixt:fixed-zero" scale="0" id="f-6487">No</ix:nonFraction> provision was recognised in connection with this proceeding as it was considered to be a contingent liability.</span></div></div></ix:continuation></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">228</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-211"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-5496-12" continuedAt="f-5496-13"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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. <ix:nonFraction unitRef="eur" contextRef="c-2687" decimals="-6" name="ifrs-full:Provisions" format="ixt:fixed-zero" scale="0" id="f-6488">No</ix:nonFraction> 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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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, <ix:nonFraction unitRef="eur" contextRef="c-2688" decimals="-6" name="ifrs-full:Provisions" format="ixt:fixed-zero" scale="0" id="f-6489">not</ix:nonFraction> having registered a provision for the amount considered to be a contingent liability.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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. <ix:nonFraction unitRef="eur" contextRef="c-2689" decimals="-6" name="ifrs-full:Provisions" format="ixt:fixed-zero" scale="0" id="f-6490">No</ix:nonFraction> 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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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, where it awaits judgment. <ix:nonFraction unitRef="eur" contextRef="c-2690" decimals="-6" name="ifrs-full:Provisions" format="ixt:fixed-zero" scale="0" id="f-6491">No</ix:nonFraction> provision was recognized as it is considered to be a contingent liability.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Brazilian tax authorities have issued infringement notices against Getnet Adquir&#234;ncia e Servi&#231;os 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. <ix:nonFraction unitRef="eur" contextRef="c-2691" decimals="-6" name="ifrs-full:Provisions" format="ixt:fixed-zero" scale="0" id="f-6492">No</ix:nonFraction> provision was recognized as it is considered to be a contingent liability.</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:130%">The total amount for the aforementioned Brazil lawsuits that are fully provisioned is EUR <ix:nonFraction unitRef="eur" contextRef="c-2692" decimals="-6" name="san:LegalProceedingsProvisionProbableLossFullyProvisioned" scale="6" id="f-6493">553</ix:nonFraction> million, and for lawsuits that qualify as contingent liabilities is EUR <ix:nonFraction unitRef="eur" contextRef="c-2693" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-6494">5,040</ix:nonFraction>&#160;million.</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:130%">At the date of approval of these consolidated annual accounts, there are other less significant tax disputes.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span id="i013766adb6b44e0594d5e94ee840ecd2"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Non-tax-related proceedings</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:130%">At 31 December 2025 the main non-tax-related proceedings concerning the Group were as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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&#8217;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 <ix:nonFraction unitRef="gbp" contextRef="c-2694" decimals="-5" name="ifrs-full:Provisions" scale="6" id="f-6495">515</ix:nonFraction>&#160;million plus interest of GBP <ix:nonFraction unitRef="gbp" contextRef="c-2695" decimals="-5" name="ifrs-full:Provisions" scale="6" id="f-6496">162</ix:nonFraction>&#160;million. </span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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).&#160; In January 2026, AXA France obtained permission to cross-appeal the Commercial Court&#8217;s rejection of AXA France&#8217;s contribution claim made under the Civil Liability (Contribution) Act 1978 (the AXA France&#8217;s cross appeal). A decision on the Santander Appeal and AXA France&#8217;s cross appeal is expected in the second half of 2026.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">With respect to the Santander Appeal and AXA France&#8217;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:7.08pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">229</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-212"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-5496-13" continuedAt="f-5496-14"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt;text-decoration:underline">Motor Finance Broker Commissions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">: following the Financial Conduct Authority&#8217;s (FCA) Motor Market review in 2019 which resulted in a change in rules in January 2021, Santander Consumer (UK) plc (SCUK) has 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 currently in place until 31 May 2026, reflecting the extended timeline of the FCA's Review and subsequent Consultation (see below).</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">After the Court of Appeal's decision rendered on 25 October 2024 within the judicial proceedings followed against DCAs of other financial entities, as of 31 December 2024, the Santander UK group Holdings recognised a provision of GBP  <ix:nonFraction unitRef="gbp" contextRef="c-2696" decimals="-5" name="ifrs-full:Provisions" scale="6" id="f-6497">293.0</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2696" decimals="-5" name="ifrs-full:Provisions" scale="6" id="f-6498">353.3</ix:nonFraction>&#160;million). This provision was determined based upon the information then available. It included estimates for operational and legal costs and potential awards based on various scenarios and used a range of assumptions, including the possible outcome of the appeal to the Supreme Court in 2025 of the Court of Appeal's decision. On 1 August 2025, the Supreme Court handed down its judgment stating that motor dealers acting as credit brokers do not owe fiduciary or disinterested duties to their customers and, as a consequence, 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:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following the Supreme Court&#8217;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 (the Consultation). Further to the publication of the FCA&#8217;s Consultation on&#160;7 October 2025, the Santander UK group submitted its comments on 12 December 2025 and continues to engage constructively with the FCA. The FCA has stated that its intention is to publish the industry wide redress scheme no later than in March 2026.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In light of the proposed sectoral scheme and taking into account the objections raised and the uncertainty surrounding both the final decision to be adopted by the FCA and the outcome of any potential legal challenges, the Santander UK group has reviewed the potential impact on SCUK in relation to the vehicle finance market. The range of scenarios has been updated, which has resulted in an additional estimated charge of GBP <ix:nonFraction unitRef="gbp" contextRef="c-2697" decimals="-6" name="ifrs-full:IncreaseDecreaseInExistingProvisionsOtherProvisions" scale="6" id="f-6499">183</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2697" decimals="-5" name="ifrs-full:IncreaseDecreaseInExistingProvisionsOtherProvisions" scale="6" id="f-6500">213.6</ix:nonFraction>&#160;million). As of 31 December 2025, the total provision amounts to GBP <ix:nonFraction unitRef="gbp" contextRef="c-2662" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-6501">461</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2662" decimals="-5" name="ifrs-full:Provisions" scale="6" id="f-6502">528.1</ix:nonFraction>&#160;million). This continues to include estimates for operational and legal costs and potential awards reflecting an increased likelihood of a higher number of cases than had previously been predicted as eligible for redress as well as an increased possibility that a remedy is sought to be imposed which extends beyond reversing any damaging financial consequences caused by any unfair relationships. The provision is based on various scenarios using a range of assumptions, including potential changes to the proposed scheme following responses to the Consultation or publication of the FCA&#8217;s final scheme rules.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">There continue to be significant uncertainties as to the nature, extent and timing of redress payments. Therefore, while the ultimate financial impact of this matter could materially differ from the amount of the provision as of this date, such impact is not expected to be material for the Group as of the date of these financial statements.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">230</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-213"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-5496-14" continuedAt="f-5496-15"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Delforca: dispute arising from equity swaps entered into by Gaesco (now Delforca 2008, S.A. (Delforca)) on shares of Inmobiliaria Colonial, S.A. Banco Santander, S.A. is claiming to Delforca before the Court of Barcelona in charge of the bankruptcy proceedings, a total of EUR <ix:nonFraction unitRef="eur" contextRef="c-2698" decimals="-6" name="san:ArbitrationMatterAmountClaimedByEntity" scale="6" id="f-6503">66</ix:nonFraction>&#160;million from the liquidation resulting from the early termination of financial transactions due to Delforca's non-payment of the equity swaps. In the same bankruptcy proceedings, Delforca and Mobiliaria Monesa, S.A., parent of Delforca (Monesa) have in turn claimed the Bank to repay EUR <ix:nonFraction unitRef="eur" contextRef="c-2698" decimals="-6" name="san:ArbitrationMatterAmountClaimedByCounterparty" scale="6" id="f-6504">57</ix:nonFraction>&#160;million, which the Bank received for the enforcement of the agreed guarantee, as a result of the aforementioned liquidation. On 16 September 2021 the Commercial Court Number 10 of Barcelona has ordered Delforca to pay the Bank EUR <ix:nonFraction unitRef="eur" contextRef="c-2699" decimals="-6" name="san:ArbitrationMatterAmountToBeReceivedByEntity" scale="6" id="f-6505">66</ix:nonFraction>&#160;million plus EUR <ix:nonFraction unitRef="eur" contextRef="c-2699" decimals="-6" name="san:ArbitrationMatterAmountToBeReceivedByEntityInterest" scale="6" id="f-6506">11</ix:nonFraction>&#160;million in interest and has dismissed the claims filed by Delforca. This decision was appealed by Delforca, Monesa and the bankruptcy administrator. On 15 November 2023 the Provincial Court of Barcelona rendered a judgment dismissing the appeals filed by Delforca, Monesa and the bankruptcy administrator. Delforca and Monesa (not the bankruptcy administrator) filed an appeal in cassation, that was rejected in November 2025 by the First Chamber of Supreme Court and, as a result, the appeal and first instance judgments in favor of the Bank have been confirmed. </span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Separately, Monesa, filed in 2009 a civil procedure with the Courts of Santander against the Bank claiming damages that have not been specified to date. The procedure is suspended.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">'Planos Econ&#243;micos': like the rest of the banking system in Brazil, Santander Brazil has been the target of customer complaints and collective civil suits stemming mainly from legislative changes and its application to the retribution of bank deposits (economic plans). At the end of 2017, an agreement was reached between regulatory entities and the Brazilian Federation of Banks (Febraban) with the purpose of closing the lawsuits and was approved by the Supremo Tribunal Federal (the STF and the Collective Agreement). Discussions focused on specifying the amount to be paid to each affected client according to the balance in their notebook at the time of the application of the plan. Finally, the total value of the payments will depend on the number of adhesions there may be and the number of savers who have proved the existence of the account and its balance on the date the indexes were changed. In November 2018, the STF ordered the suspension of all economic plan proceedings for two years from May 2018. On 29 May 2020,  STF approved the extension of the Collective Agreement for <ix:nonNumeric contextRef="c-2700" name="san:PeriodOfSuspensionOfEconomicPlanProcesses" format="ixt-sec:duryear" id="f-6507">5</ix:nonNumeric> additional years starting from 3 June 2020. Condition for this extension was to include in the Collective Agreement actions related to the 'Collor I Plan'. On May 2025, the STF issued the judgment recognizing the constitutionality of the Bresser, Ver&#227;o, Collor I and II plans, guaranteeing savers the receipt of the amounts established in the Collective Agreement and setting a deadline of 24 months for new adhesions. As of 31 December 2025, the provision recorded for the economic plan proceedings amounts to EUR <ix:nonFraction unitRef="eur" contextRef="c-2701" decimals="-5" name="ifrs-full:Provisions" scale="6" id="f-6508">155.3</ix:nonFraction>&#160;million.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Banco Popular&#180;s acquisition: after the declaration of the resolution of Banco Popular, some investors filed claims against the EU&#8217;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:9.07pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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&#8217;s decision, in application of the judgments of the EGC and the CJEU.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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 resolution (C-687/23), the CJEU declared that the above referred TJUE resolutions do not apply to actions pursued prior to the entity&#8217;s resolution. There are currently no other preliminary questions under consideration. </span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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. This 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></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">231</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-214"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-5496-15" continuedAt="f-5496-16"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The order to open the oral trial states that the plaintiffs have requested compensation for civil liability for a total amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-2702" decimals="-4" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-6509">2,277.65</ix:nonFraction>. 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. After that, the proceedings will be forwarded to the Criminal Chamber of the National Court for the oral trial. </span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Regarding civil liability, the Bank considers that it has no subsidiary civil liability in light of the CJEU&#8217;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, 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:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The estimated cost of any compensation to shareholders and bondholders of Banco Popular recognized in the 2017 accounts amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-2703" decimals="-6" name="san:OtherEquityInstrumentsExpectedCost" scale="6" id="f-6510">680</ix:nonFraction>&#160;million, of which EUR <ix:nonFraction unitRef="eur" contextRef="c-2703" decimals="-6" name="san:OtherEquityInstrumentsExpectedCostAllocatedToLoyaltyPrograms" scale="6" id="f-6511">535</ix:nonFraction>&#160;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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">German shares investigation: the Cologne Public Prosecution Office is conducting an investigation against the Bank and other group entities based in the UK - Santander UK plc, Santander Financial Services Plc and Cater Allen International Limited -, 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:9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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 anticipated. For this reason, the Bank has <ix:nonFraction unitRef="eur" contextRef="c-2704" decimals="-6" name="ifrs-full:Provisions" format="ixt:fixed-zero" scale="0" id="f-6512">not</ix:nonFraction> recognized any provisions in relation to the potential imposition of financial liabilities.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Banco Santander, S.A. was sued in a legal proceeding in which the plaintiff alleges that the Bank 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 <ix:nonFraction unitRef="eur" contextRef="c-2705" decimals="-6" name="san:LitigationContingenciesCompensationSoughtInLitigation" scale="6" id="f-6513">112</ix:nonFraction>&#160;million or, an alternative relief for other minor amounts. Banco Santander, S.A. 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 <ix:nonFraction unitRef="eur" contextRef="c-2706" decimals="-5" name="san:LitigationContingenciesCompensationSoughtInLitigation" scale="6" id="f-6514">61.9</ix:nonFraction>&#160;million.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> On 9 December 2021, the Court upheld the claim and ordered the Bank to compensate the claimant in the amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-2707" decimals="-5" name="ifrs-full:LossesOnLitigationSettlements" scale="6" id="f-6515">67.8</ix:nonFraction>&#160;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 <ix:nonFraction unitRef="eur" contextRef="c-2708" decimals="-5" name="ifrs-full:LossesOnLitigationSettlements" scale="6" id="f-6516">51.4</ix:nonFraction>&#160;million and clarifying that part of this amount (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 <ix:nonFraction unitRef="number" contextRef="c-2709" decimals="3" name="san:VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage" scale="-2" id="f-6517">33.3</ix:nonFraction>%.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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 <ix:nonFraction unitRef="eur" contextRef="c-2710" decimals="-5" name="ifrs-full:Provisions" scale="6" id="f-6518">35.5</ix:nonFraction>&#160;million, within the voluntary compliance period.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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 <ix:nonFraction unitRef="eur" contextRef="c-2711" decimals="-6" name="san:LitigationContingenciesDecreaseInLossesOnLitigationSettlements" scale="6" id="f-6519">8</ix:nonFraction>&#160;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 <ix:nonFraction unitRef="eur" contextRef="c-2712" decimals="-5" name="ifrs-full:GainsOnLitigationSettlements" scale="6" id="f-6520">9.6</ix:nonFraction>&#160;million. This amount was received by the Bank on 11 July 2023. </span></div><div style="margin-bottom:9pt;padding-left:7.08pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 11 April 2023, the Bank filed an extraordinary appeal for procedural infringement and an appeal in cassation against the Madrid Court of Appeal&#8217;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="text-indent:10.91pt"><span><br/></span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">232</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-215"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-5496-16" continuedAt="f-5496-17"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span id="i2f6bba6b43c7456faf1bf75d1b879f0f_39081"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">CHF Polish Mortgage Loans: 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:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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:7.09pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In this context, Santander Bank Polska S.A. and Santander Consumer Bank S.A. estimate 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:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As of 31 December 2025, 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 <ix:nonFraction unitRef="pln" contextRef="c-2713" decimals="-5" name="san:MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-6521">5,874.3</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2713" decimals="-5" name="san:MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-6522">1,391.9</ix:nonFraction>&#160;million), of which PLN<ix:nonFraction unitRef="pln" contextRef="c-2713" decimals="-5" name="san:MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-6523">3,191.7</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2713" decimals="-5" name="san:MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount" scale="6" id="f-6524">756.3</ix:nonFraction>&#160;million) corresponds to adjustments to the gross carrying amount under IFRS 9 and PLN <ix:nonFraction unitRef="pln" contextRef="c-2714" decimals="-5" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-6525">2,682.6</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2714" decimals="-5" name="ifrs-full:Provisions" scale="6" id="f-6526">635.6</ix:nonFraction>&#160;million) to provisions recognised under IAS 37. The adjustment to gross carrying amount in accordance with IFRS9 during 2025 amounted to PLN <ix:nonFraction unitRef="pln" contextRef="c-2715" decimals="-5" name="san:IncreaseDecreaseInAdjustmentToGrossCarryingAmountMortgageLoans" scale="6" id="f-6527">99.7</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2715" decimals="-5" name="san:IncreaseDecreaseInAdjustmentToGrossCarryingAmountMortgageLoans" scale="6" id="f-6528">23.6</ix:nonFraction>&#160;million), and the additional provisions recognised under IAS 37 amounted to PLN <ix:nonFraction unitRef="pln" contextRef="c-2716" decimals="-5" name="ifrs-full:IncreaseDecreaseInExistingProvisionsOtherProvisions" scale="6" id="f-6529">1245.3</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2716" decimals="-5" name="ifrs-full:IncreaseDecreaseInExistingProvisionsOtherProvisions" scale="6" id="f-6530">293.8</ix:nonFraction>&#160;million). Other costs related to the dispute amounted to PLN <ix:nonFraction unitRef="pln" contextRef="c-2715" decimals="-5" name="san:IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions" scale="6" id="f-6531">730.5</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2715" decimals="-5" name="san:IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions" scale="6" id="f-6532">172.4</ix:nonFraction>&#160;million). IAS 37. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As of the same date, Santander Bank Polska S.A. held a portfolio of mortgages denominated in or indexed to CHF amounting to approximately PLN <ix:nonFraction unitRef="pln" contextRef="c-2717" decimals="-5" name="san:MortgageLoansDenominatedInIndexedToSwissFrancs" format="ixt:num-dot-decimal" scale="6" id="f-6533">2,642.0</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2717" decimals="-5" name="san:MortgageLoansDenominatedInIndexedToSwissFrancs" scale="6" id="f-6534">626.0</ix:nonFraction>&#160;million) and recognised provisions of PLN <ix:nonFraction unitRef="pln" contextRef="c-2718" decimals="-5" name="san:MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-6535">4,766.4</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2718" decimals="-5" name="san:MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-6536">1,129.4</ix:nonFraction>&#160;million) to cover the CHF mortgage portfolio. Santander Consumer Bank S.A. (Poland), in turn, held a portfolio of mortgages denominated in or indexed to CHF amounting to approximately PLN <ix:nonFraction unitRef="pln" contextRef="c-2719" decimals="-5" name="san:MortgageLoansDenominatedInIndexedToSwissFrancs" scale="6" id="f-6537">735.9</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2719" decimals="-5" name="san:MortgageLoansDenominatedInIndexedToSwissFrancs" scale="6" id="f-6538">174.4</ix:nonFraction>&#160;million) and recognised provisions of PLN <ix:nonFraction unitRef="pln" contextRef="c-2720" decimals="-5" name="san:MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-6539">1,107.9</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2720" decimals="-5" name="san:MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount" scale="6" id="f-6540">262.5</ix:nonFraction>&#160;million) to cover this portfolio.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Notwithstanding the above, as detailed in Note 3 b), in January 2026 the Group sold a <ix:nonFraction unitRef="number" contextRef="c-360" decimals="2" name="san:SaleOfProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-6541">49</ix:nonFraction>% stake in Santander Bank Polska S.A., which ceased to be consolidated within the Group&#8217;s perimeter as of that date.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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 the reporting date.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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 <ix:nonFraction unitRef="child" contextRef="c-2721" decimals="INF" name="san:LegalProceedingsNumberOfSonsInvolvedInTestamentaryTrust" format="ixt-sec:numwordsen" scale="0" id="f-6542">four</ix:nonFraction> 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 M&#233;xico in its capacity as trustee to transfer <ix:nonFraction unitRef="shares" contextRef="c-2722" decimals="INF" name="san:LegalProceedingsAmountOfSharesToBeTransferredByTrustee" format="ixt:num-dot-decimal" scale="0" id="f-6543">36,700,000</ix:nonFraction> 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:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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 (</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:130%">recurso de amparo</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">) before the First Collegiate Court of the Fourth Circuit based in Nuevo Le&#243;n, 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 <ix:nonFraction unitRef="shares" contextRef="c-2722" decimals="INF" name="san:LegalProceedingsAmountOfSharesToBeTransferredByTrustee" format="ixt:num-dot-decimal" scale="0" id="f-6544">36,700,000</ix:nonFraction> Alfa shares, together with dividends, interest and damages.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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:130%">recurso de revisi&#243;n constitucional</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">) 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:130%">recursos de reclamaci&#243;n</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">) 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="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In parallel to the foregoing, the Bank also filed an amparo against the judgment favorable to the plaintiffs rendered by the First District Court in the State of Nuevo Le&#243;n before the Collegiate Courts if such State, and in 2024, the Bank requested the Supreme Court of Justice of the Nation to take up and resolve the matter through the faculty of attraction, what is pending.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">233</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-216"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><ix:continuation id="f-5496-17" continuedAt="f-5496-18"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The challenges and appeals filed by the Bank imply that the judgment rendered in favour of the plaintiffs is not final, and Santander M&#233;xico believes that the actions taken should prevail and reverse the decision against it. The impact of a potential unfavorable resolution for Santander M&#233;xico will be determined in a subsequent proceeding and will also depend on the additional actions that Santander M&#233;xico may take in its defense, so it is not possible to 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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:130%;padding-left:3.11pt">Mortgage</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> 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 <ix:nonFraction unitRef="number" contextRef="c-2723" decimals="2" name="san:PercentageOfPublicNotaryExpensesAndAgencyExpensesToBePaid" scale="-2" id="f-6545">50</ix:nonFraction>% between the Bank and the borrower in public notary expenses and agency expenses.  The Supreme Court also ruled that the Bank must pay <ix:nonFraction unitRef="number" contextRef="c-2723" decimals="2" name="san:PercentageOfTheRegistryExpensesToBePaid" scale="-2" id="f-6546">100</ix:nonFraction>% 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:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In relation to the statute of limitations, on 25 April 2024, <ix:nonFraction unitRef="judgement" contextRef="c-2724" decimals="INF" name="san:NumberOfJudgmentsRendered" format="ixt-sec:numwordsen" scale="0" id="f-6547">two</ix:nonFraction>  judgments were rendered (cases C-561/21 and C-484/21) in which the Court of Justice of the European Union (CJEU) stated that the commencement of the statute of limitations for the reimbursement action of the mortgage expenses derived from the annulment of the clause, shall be fixed on the moment when the consumer has an effective knowledge of the abusive nature of the clause and its effects and that this date must not be fixed (a) on the date of payment of such expense nor of the execution of the agreement; (b) when the Supreme Court has handed down judgments stating the abusive nature of a clause similar to the one included in the consumer contract; nor (c) when the CJEU has handed down judgments confirming that the statute of limitations for the reimbursement action of the amounts derived from the annulment of contractual provisions is valid subject to its compliance with the principles of equivalence and effectiveness. </span></div></div></ix:continuation><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-5496-18"><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The Supreme Court has confirmed this criterion in its 14 June 2024 judgment, establishing that the public dissemination of case-law declaring the abusive nature of a clause does not necessarily give rise to the limitation period of the reimbursement action derived from similar clauses. However, the 4 July 2024 judgment, rendered in the case C-450/22, the CJEU has established that it cannot be excluded a priori that, as a consequence of the occurrence of an objective event or of a notorious event, such as the amendment of the applicable legislation or a widely disseminated and debated development of jurisprudence, the court considers that the average consumer's overall perception of the floor clause has changed during the reference period and has enabled him to become aware of the potentially significant economic consequences arising from such clause. A further preliminary question concerning the statute of limitations of the reimbursement action derived from the annulment of mortgage expenses has been raised before the CJEU by the First Instance Court No 8 of La Coru&#241;a. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In December in 2024, the Supreme Court handed down <ix:nonFraction unitRef="judgement" contextRef="c-2725" decimals="INF" name="san:NumberOfJudgmentsRendered" format="ixt-sec:numwordsen" scale="0" id="f-6548">two</ix:nonFraction> additional judgments regarding statute of limitations, in which it determines that the date to be considered for the purposes of the application of Directive 93/1994 and, consequently, the statute of limitations detailed in its previous judgments, is 31 December 1994 (i.e. the date when the deadline for its transposition ended). This is based on the principle of interpretation in accordance with directives not transposed (applicable once their transposition period has expired). The recorded provision includes the best estimate of Group&#8217;s liability for this matter.</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:130%">Banco Santander and the other Group companies are subject to claims and, therefore, are party to certain judicial and administrative 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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">With the information available to it, the Group considers that, at 31 December 2025, 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. Disputes in which risk and/or provisions have been registered but are not disclosed is justified on the basis that it would be prejudicial to the proper defense of the Group. Subject to the qualifications made, it also believes that any liability arising from such claims and proceedings will not have, overall, a material adverse effect on the Group&#8217;s business, financial position, or results of operations.</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1003"></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="i8d69d553f9a24dfab28db1e473947aaf"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">26. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfOtherLiabilitiesExplanatory" id="f-6549" continuedAt="f-6549-1" escape="true">Other liabilities</ix:nonNumeric></span></div><ix:nonNumeric contextRef="c-1" name="san:ScheduleOfOtherLiabilitiesTableTextBlock" id="f-6550" escape="true"><ix:continuation id="f-6549-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Other liabilities in the consolidated balance sheets 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:99.782%"><tr><td style="width:1.0%"/><td style="width:59.085%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.173%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Transactions in transit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:OtherPayables" scale="6" id="f-6551">707</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:OtherPayables" scale="6" id="f-6552">910</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:OtherPayables" scale="6" id="f-6553">767</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Accrued expenses and deferred income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:AccruedExpensesAndDeferredIncome" format="ixt:num-dot-decimal" scale="6" id="f-6554">9,018</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:AccruedExpensesAndDeferredIncome" format="ixt:num-dot-decimal" scale="6" id="f-6555">9,003</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:AccruedExpensesAndDeferredIncome" format="ixt:num-dot-decimal" scale="6" id="f-6556">9,136</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:OtherMiscellaneousLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-6557">6,212</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:OtherMiscellaneousLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-6558">6,431</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:OtherMiscellaneousLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-6559">7,695</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-6560">15,937</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-6561">16,344</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-6562">17,598</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:nonNumeric></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">234</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1006"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-217"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt"><span id="i889bc37b6a4b4ef798b6c097f1a7ce08"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">27. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfIncomeTaxExplanatory" id="f-6563" continuedAt="f-6563-1" escape="true">Tax matters</ix:nonNumeric></span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1012"></div><ix:continuation id="f-6563-1" continuedAt="f-6563-2"><div style="margin-bottom:6pt;margin-top:9pt"><span id="ia13527740d5a4db5b27663e9d64a85bf"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:120%">a) Consolidated Tax Group</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:130%">According to current Spanish regulation, the Tax Consolidated Group includes Banco Santander, S.A. as the parent company and, as subsidiaries, those Spanish subsidiaries that meet the requirements established by the regulations on the taxation of consolidated groups.</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:130%">The other Group companies file income tax returns in accordance with the tax regulations applicable to them.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="if90a294256b1431dbbeb0da8e9af92dd"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%">b) Years open for review by the tax authorities</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:130%">In relation to the partial scope tax audit of Corporate Income Tax for fiscal year 2020 and Value Added Tax for fiscal years 2020 to 2022, initiated in April 2024, in December 2025 the Spanish tax authorities issued a Corporate Income Tax assessment, which has been appealed before the Central Economic-Administrative Court, and the VAT assessments were still pending at the close of the financial year. </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:130%">The main appeals filed against assessments issued in prior audits remain pending before the Central Economic-Administrative Court (Corporate Income Tax and Value Added Tax for fiscal years 2017 to 2019) and before the National Appellate Court (Corporate Income Tax for fiscal years 2003 to 2015). Banco Santander, S.A., as the parent company of the Tax Consolidated Group, considers, based on the advice of its external legal counsel, that the adjustments made should not have a significant impact on the consolidated annual accounts, as there are strong arguments for defense in the appeals filed against these assessments. Consequently, no provision has been recognized in this respect. Furthermore, it should be noted that, in those cases where it was considered appropriate, the available mechanisms have been used to avoid international double taxation.</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:130%">At the date of approval of these consolidated annual accounts, subsequent years up to and including 2025, are subject to review.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The other entities have the corresponding years open for review, pursuant to their respective tax regulations.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Due to possible different interpretations which can be made of the tax regulations, the outcome of the tax audits of the rest of years subject to review might give rise to contingent tax liabilities which cannot be objectively quantified. However, the Group&#8217;s tax advisers consider that it is unlikely that such tax liabilities will materialize, and that in any event the tax charge arising therefrom would not materially affect the Group&#8217;s consolidated financial statements.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:continuation id="f-6563-2" continuedAt="f-6563-3"><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1015"></div><div style="margin-bottom:6pt"><span id="i26613c9677a14534a8270b0d6e89e2b6"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Reconciliation</span></div><ix:nonNumeric contextRef="c-1" name="san:ScheduleOfEffectiveIncomeTaxRateReconciliation1TableTextBlock" id="f-6564" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The reconciliation of the income tax expense calculated at the tax rate applicable in Spain (<ix:nonFraction unitRef="number" contextRef="c-2726" decimals="2" name="ifrs-full:ApplicableTaxRate" scale="-2" id="f-6565"><ix:nonFraction unitRef="number" contextRef="c-2727" decimals="2" name="ifrs-full:ApplicableTaxRate" scale="-2" id="f-6566"><ix:nonFraction unitRef="number" contextRef="c-2728" decimals="2" name="ifrs-full:ApplicableTaxRate" scale="-2" id="f-6567">30</ix:nonFraction></ix:nonFraction></ix:nonFraction>%) to the income tax expense recognised and the detail of the effective tax rate are as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:51.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.643%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit (loss) before tax:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">From continuing operations</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6568">18,681</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6569">17,347</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6570">15,005</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">From discontinued operations</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:ProfitLossBeforeTaxFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-6571">1,950</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:ProfitLossBeforeTaxFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-6572">1,680</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:ProfitLossBeforeTaxFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-6573">1,454</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:ProfitLossBeforeTaxIncludingDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-6574">20,631</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:ProfitLossBeforeTaxIncludingDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-6575">19,027</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:ProfitLossBeforeTaxIncludingDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-6576">16,459</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Income tax at tax rate applicable in Spain (<ix:nonFraction unitRef="number" contextRef="c-2728" decimals="2" name="ifrs-full:ApplicableTaxRate" scale="-2" id="f-6577"><ix:nonFraction unitRef="number" contextRef="c-2726" decimals="2" name="ifrs-full:ApplicableTaxRate" scale="-2" id="f-6578"><ix:nonFraction unitRef="number" contextRef="c-2727" decimals="2" name="ifrs-full:ApplicableTaxRate" scale="-2" id="f-6579">30</ix:nonFraction></ix:nonFraction></ix:nonFraction>%)</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-6580">6,189</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-6581">5,708</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-6582">4,938</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">By the effect of application of the various tax rates applicable in each country</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:TaxEffectOfForeignTaxRates" scale="6" id="f-6583">103</ix:nonFraction>)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:TaxEffectOfForeignTaxRates" scale="6" id="f-6584">115</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:TaxEffectOfForeignTaxRates" scale="6" id="f-6585">100</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 29.34pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Brazil</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2729" decimals="-6" name="ifrs-full:TaxEffectOfForeignTaxRates" scale="6" id="f-6586">264</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2730" decimals="-6" name="ifrs-full:TaxEffectOfForeignTaxRates" scale="6" id="f-6587">413</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2731" decimals="-6" name="ifrs-full:TaxEffectOfForeignTaxRates" scale="6" id="f-6588">198</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">United Kingdom</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2565" decimals="-6" sign="-" name="ifrs-full:TaxEffectOfForeignTaxRates" scale="6" id="f-6589">42</ix:nonFraction>)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2566" decimals="-6" sign="-" name="ifrs-full:TaxEffectOfForeignTaxRates" scale="6" id="f-6590">53</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2567" decimals="-6" sign="-" name="ifrs-full:TaxEffectOfForeignTaxRates" scale="6" id="f-6591">51</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">United States</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2732" decimals="-6" sign="-" name="ifrs-full:TaxEffectOfForeignTaxRates" scale="6" id="f-6592">60</ix:nonFraction>)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2733" decimals="-6" sign="-" name="ifrs-full:TaxEffectOfForeignTaxRates" scale="6" id="f-6593">25</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2734" decimals="-6" sign="-" name="ifrs-full:TaxEffectOfForeignTaxRates" scale="6" id="f-6594">28</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Chile</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2735" decimals="-6" sign="-" name="ifrs-full:TaxEffectOfForeignTaxRates" scale="6" id="f-6595">36</ix:nonFraction>)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2736" decimals="-6" sign="-" name="ifrs-full:TaxEffectOfForeignTaxRates" scale="6" id="f-6596">33</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2737" decimals="-6" sign="-" name="ifrs-full:TaxEffectOfForeignTaxRates" scale="6" id="f-6597">28</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Poland</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2738" decimals="-6" sign="-" name="ifrs-full:TaxEffectOfForeignTaxRates" scale="6" id="f-6598">224</ix:nonFraction>)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2739" decimals="-6" sign="-" name="ifrs-full:TaxEffectOfForeignTaxRates" scale="6" id="f-6599">183</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2740" decimals="-6" sign="-" name="ifrs-full:TaxEffectOfForeignTaxRates" scale="6" id="f-6600">164</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Effect of profit or loss of associates and joint ventures</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="san:TaxEffectOfProfitLossOfAssociatesAndJointVentures" scale="6" id="f-6601">207</ix:nonFraction>)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="san:TaxEffectOfProfitLossOfAssociatesAndJointVentures" scale="6" id="f-6602">213</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="san:TaxEffectOfProfitLossOfAssociatesAndJointVentures" scale="6" id="f-6603">184</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">USA electric vehicle leasing incentives</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="san:TaxEffectOfUSAElectricVehicleLeasingIncentives" scale="6" id="f-6604">203</ix:nonFraction>)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="san:TaxEffectOfUSAElectricVehicleLeasingIncentives" scale="6" id="f-6605">258</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="san:TaxEffectOfUSAElectricVehicleLeasingIncentives" scale="6" id="f-6606">259</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Global minimum tax Pillar Two</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:CurrentTaxExpenseIncomeRelatedToPillarTwoIncomeTaxes" scale="6" id="f-6607">6</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:CurrentTaxExpenseIncomeRelatedToPillarTwoIncomeTaxes" scale="6" id="f-6608">14</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:CurrentTaxExpenseIncomeRelatedToPillarTwoIncomeTaxes" format="ixt:fixed-zero" scale="6" id="f-6609">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Effect of reassessment of deferred taxes</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="san:TaxEffectOfRemeasurementOfDeferredTax" scale="6" id="f-6610">101</ix:nonFraction>)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:TaxEffectOfRemeasurementOfDeferredTax" scale="6" id="f-6611">68</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:TaxEffectOfRemeasurementOfDeferredTax" format="ixt:fixed-zero" scale="6" id="f-6612">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Permanent differences<br/>and other </span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="san:TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss" scale="6" id="f-6613">450</ix:nonFraction>)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="san:TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss" scale="6" id="f-6614">151</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="san:TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss" scale="6" id="f-6615">119</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Income tax</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:TaxExpenseIncomeIncludingDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-6616">5,131</ix:nonFraction></span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:TaxExpenseIncomeIncludingDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-6617">5,283</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:TaxExpenseIncomeIncludingDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-6618">4,276</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Effective tax rate</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="4" name="ifrs-full:AverageEffectiveTaxRate" scale="-2" id="f-6619">24.87</ix:nonFraction>%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-86" decimals="4" name="ifrs-full:AverageEffectiveTaxRate" scale="-2" id="f-6620">27.77</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-87" decimals="4" name="ifrs-full:AverageEffectiveTaxRate" scale="-2" id="f-6621">25.98</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 29.34pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Continuing operations</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-5" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-6622">4,723</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-6623">4,844</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-6624">3,880</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Discontinued operations</span></div><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(Note 37)</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations" scale="6" id="f-6625">408</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations" scale="6" id="f-6626">439</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations" scale="6" id="f-6627">396</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Current taxes</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods" format="ixt:num-dot-decimal" scale="6" id="f-6628">5,666</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods" format="ixt:num-dot-decimal" scale="6" id="f-6629">4,855</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods" format="ixt:num-dot-decimal" scale="6" id="f-6630">5,568</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Deferred taxes</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-6631">535</ix:nonFraction>)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-6632">428</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-6633">1,292</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Income tax (receipts)/payments</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-6634">4,954</ix:nonFraction></span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-6635">5,880</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-6636">5,214</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Calculated by applying the difference between the tax rate applicable in Spain and the tax rate applicable in each jurisdiction to the profit or loss contributed to the Group by the entities which operate in each jurisdiction.</span></div></ix:nonNumeric><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div></ix:continuation></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">235</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-218"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-6563-3" continuedAt="f-6563-4"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i0aa886292ebb45f495e193e815c05936"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Tax recognised in equity</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfIncomeTaxComponentsOfOtherComprehensiveIncomeTableTextBlock" id="f-6637" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition to the income tax recognised in the consolidated income statement, the Group recognised the following amounts in consolidated equity in 2025, 2024 and 2023:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:57.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.791%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other comprehensive income</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Items not reclassified to profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures" scale="6" id="f-6638">115</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures" scale="6" id="f-6639">85</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures" scale="6" id="f-6640">358</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Actuarial gains or (-) losses on defined benefit pension plans</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome" scale="6" id="f-6641">63</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome" scale="6" id="f-6642">172</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome" scale="6" id="f-6643">302</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncomeTaxRelatingToHedgesOfInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome" scale="6" id="f-6644">4</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToHedgesOfInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome" scale="6" id="f-6645">4</ix:nonFraction>)</span></td><td style="border-top:0.25pt 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style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome" scale="6" id="f-6647">48</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" 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colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Items that may be reclassified to profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="san:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures" scale="6" id="f-6650">440</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures" scale="6" id="f-6651">54</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="san:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures" scale="6" id="f-6652">919</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" scale="6" id="f-6653">207</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" scale="6" id="f-6654">205</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" scale="6" id="f-6655">732</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of debt instruments through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6656">204</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6657">261</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-6658">214</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging instruments (items not designated)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncomeTaxRelatingToHedgesOfNetInvestmentsInForeignOperationsOfOtherComprehensiveIncome" scale="6" id="f-6659">3</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:IncomeTaxRelatingToHedgesOfNetInvestmentsInForeignOperationsOfOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6660">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:IncomeTaxRelatingToHedgesOfNetInvestmentsInForeignOperationsOfOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6661">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Non-current assets held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="san:IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome" scale="6" id="f-6662">32</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6663">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-6664">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other recognised income and expense of investments in subsidiaries, joint ventures and associates</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncomeTaxRelatingToShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-6665">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLoss" scale="6" id="f-6666">2</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:IncomeTaxRelatingToShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLoss" scale="6" id="f-6667">27</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome" scale="6" id="f-6668">325</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome" scale="6" id="f-6669">139</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome" scale="6" id="f-6670">561</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="margin-bottom:6pt;margin-top:9pt"><span id="i66a5b4c0da6f4a2389480e2125b425df"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">e) Deferred taxes</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:130%">'Tax assets' in the consolidated balance sheets includes debit balances with the Public Treasury relating to deferred tax assets. 'Tax liabilities' includes the liability for the Group&#8217;s various deferred tax liabilities.</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:130%">In accordance with EU Regulation 575/2013 on prudential requirements for credit institutions and investment firms (CRR), and subsequently amended by EU Regulation 2019/876 of the European Parliament and of the Council, those deferred tax assets that do not rely on future profitability arising from temporary differences (referred to hereinafter as 'monetizable deferred tax assets&#8217;), meeting certain conditions, should not be deducted from regulatory capital and should not be risk-weighted at 250% according to the thresholds set out in Article 48 of the said Regulation, but shall apply a risk weight of 100% under Article 39.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">236</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-219"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-6563-4" continuedAt="f-6563-5"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsExplanatory" id="f-6671" escape="true"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of deferred tax assets, by classification as monetizable or non-monetizable assets, and of deferred tax liabilities at 31 December 2025, 2024 and 2023 is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.468%"><tr><td style="width:1.0%"/><td style="width:27.887%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.783%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.176%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.783%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.176%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.783%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.180%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Monetizable</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Monetizable</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Monetizable</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Tax assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2741" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6672">10,725</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2742" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6673">8,219</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2743" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6674">10,309</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2744" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6675">8,861</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2745" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6676">11,099</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2746" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6677">9,668</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Tax losses and tax credits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2747" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6678">2,354</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2748" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6679">2,367</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2749" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6680">2,393</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Temporary differences</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2750" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6681">10,725</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2751" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6682">5,865</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2752" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6683">10,309</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2753" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6684">6,494</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2754" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6685">11,099</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2755" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6686">7,275</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 5.5pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 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Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2758" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6689">1,965</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Valuation of financial instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2759" decimals="-6" name="ifrs-full:DeferredTaxAssets" scale="6" id="f-6690">810</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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unitRef="eur" contextRef="c-2763" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6694">1,341</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2764" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6695">7,880</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2765" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6696">1,103</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2766" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6697">8,248</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid 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name="ifrs-full:DeferredTaxAssets" scale="6" id="f-6702">423</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2772" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6703">2,851</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2774" decimals="-6" name="ifrs-full:DeferredTaxAssets" scale="6" id="f-6705">832</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2779" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-6713">6,086</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 5.5pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Valuation of financial instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2780" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-6714">1,980</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2782" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-6716">2,059</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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id="f-6718">2,797</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2785" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-6719">2,594</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Investments in Group companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td 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style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:112%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:112%;padding-left:0.46pt">In 2023, the Spanish Economic Administrative Court ruled that in 2017 the requirements for the conversion of part of the monetizable assets of Popular Group into a credit against the Tax Administration were met, allowing the conversion to EUR <ix:nonFraction unitRef="eur" contextRef="c-2789" decimals="-6" name="san:DeferredTaxAssetsPortionAlreadySubmittedForConversion" scale="6" id="f-6723">995</ix:nonFraction>&#160;million. Banco Santander was refunded without impact on results. The favourable Economic Administrative Court decision was declared harmful to the public interests and challenged at the National Appellate Court by the Tax Administration. The estimation of this appeal, which is pending at the National Appellate Court,  would imply that Grupo Santander should repay the amount refunded and would, once again, credit these monetizable assets with no impact on results except for late payment interests. However, it is considered that there are strong defense arguments in relation to this appeal.</span></div></ix:nonNumeric><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander only recognises deferred tax assets for temporary differences or tax loss and tax credit carryforwards where it is considered probable that consolidated entities that generated them will have sufficient future taxable profits against which they can be utilised.</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:130%">The deferred tax assets and liabilities are reassessed at the reporting date in order to ascertain whether any adjustments need to be made on the basis of the findings of the analyses performed.</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:130%">These analyses take into consideration all evidence, both positive and negative, of the recoverability of such deferred tax assets, among which we can find, (i) the results generated by the different entities in previous years, (ii) the projections of results of each entity or fiscal group, (iii) the estimation of the reversal of the different temporary differences according to their nature and (iv) the period and limits established under the applicable legislation of each country for the recovery of the different deferred tax assets, thus concluding on the ability of each entity or fiscal group to recover the deferred tax assets registered.</span></div><div><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The projections of results used in this analysis are based on the financial planning approved by both the local directions of the corresponding units and by the Group's directors. The Group's budget estimation process is common for all units. The Group's management prepares its financial planning based on the following key assumptions:&#160;</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.31pt">Microeconomic variables of the entities that make up the fiscal group in each location: the existing balance structure, the mix of products offered and the commercial strategy at each moment defined by local directions are taken into account, based on the competition, regulatory and market environment.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.01pt">Macroeconomic variables: estimated growths are based on the evolution of the economic environment considering the expected evolution in the gross domestic product of each location, and the forecasts of interest rates, inflation and exchange rates fluctuations. These data are provided by the Group&#8217;s Studies Service.</span></div><div><span><br/></span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">237</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-220"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-6563-5" continuedAt="f-6563-6"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Additionally, the Group performs retrospective contrasts (backtesting) on the variables projected in the past. The differential behaviour of these variables with respect to the real market data is considered in the projections estimated in each fiscal year. Thus, and in relation to Spain, the deviations identified by the Directors in recent past years are due to a combination of exogenous factors, mainly the changing impact of the macroeconomic environment and competition, and management actions, such as the acceleration of restructuring plans, investment in digitalisation, and the optimisation of capital and shareholder returns.</span></div><div><span><br/></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:130%">Finally, and given the degree of uncertainty of these assumptions on the referred variables, the Group conducts a sensitivity analysis of the most significant assumptions considered in the deferred tax assets&#8217; recoverability analysis, considering any reasonable change in the key assumptions on which the projections of results of each entity or fiscal group and the estimation of the reversal of the different temporary differences are based.</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:130%">In relation to Spain, the sensitivity analysis has consisted of making reasonable changes to the key assumptions, including adjusting <ix:nonFraction unitRef="number" contextRef="c-2790" decimals="INF" name="san:PercentageOfReasonablyPossibleIncreaseDecreaseInAssumption" scale="-4" id="f-6724">50</ix:nonFraction> basis points for growth (gross domestic product) and adjusting <ix:nonFraction unitRef="number" contextRef="c-2791" decimals="INF" name="san:PercentageOfReasonablyPossibleIncreaseDecreaseInAssumption" scale="-4" id="f-6725">50</ix:nonFraction> basis points for inflation. </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:130%">Relevant information is set forth below for the main countries which have recognised deferred tax assets:</span></div><div style="margin-bottom:3pt"><span id="if142b00e448b431b8a9c014068ed5e1c"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Spain</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:130%">The deferred tax assets recognised at the Consolidated Tax Group total EUR <ix:nonFraction unitRef="eur" contextRef="c-307" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6726">7,183</ix:nonFraction> million, of which EUR <ix:nonFraction unitRef="eur" contextRef="c-2792" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6727">5,069</ix:nonFraction>&#160;million were for monetizable temporary differences with the right to conversion into a credit against the tax administration as explained before, EUR <ix:nonFraction unitRef="eur" contextRef="c-2793" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6728">1,433</ix:nonFraction>&#160;million for other temporary differences and EUR <ix:nonFraction unitRef="eur" contextRef="c-2794" decimals="-6" name="ifrs-full:DeferredTaxAssets" scale="6" id="f-6729">681</ix:nonFraction>&#160;million for tax losses and credits.</span></div><div style="margin-bottom:3pt"><span id="i1fd813ebcb214787a9600f5c2281a9eb"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Brazil</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:130%">The deferred tax</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> assets recognised in Brazil total EUR <ix:nonFraction unitRef="eur" contextRef="c-2610" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6730">7,465</ix:nonFraction>, of which EUR <ix:nonFraction unitRef="eur" contextRef="c-2795" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6731">5,606</ix:nonFraction>&#160;million were for monetizable temporary differences, EUR <ix:nonFraction unitRef="eur" contextRef="c-2796" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6732">1,150</ix:nonFraction> for other temporary differences and EUR <ix:nonFraction unitRef="eur" contextRef="c-2797" decimals="-6" name="ifrs-full:DeferredTaxAssets" scale="6" id="f-6733">709</ix:nonFraction> for tax losses </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">and credits.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4a9e18696013435e838194aee4c4af4e"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Mexico</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%">The deferred tax assets recognized in Mexico total EUR <ix:nonFraction unitRef="eur" contextRef="c-2798" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6734">1,542</ix:nonFraction>, of which EUR <ix:nonFraction unitRef="eur" contextRef="c-2799" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6735">1,511</ix:nonFraction> were for temporary differences and EUR <ix:nonFraction unitRef="eur" contextRef="c-2800" decimals="-6" name="ifrs-full:DeferredTaxAssets" scale="6" id="f-6736">31</ix:nonFraction> for tax losses and credits.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i405ed2d890bf4a1bb9300f668b1d6752"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">United States</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:130%">The deferred tax assets recognised in the United States total EUR <ix:nonFraction unitRef="eur" contextRef="c-2801" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6737">1,026</ix:nonFraction>, of which EUR <ix:nonFraction unitRef="eur" contextRef="c-2802" decimals="-6" name="ifrs-full:DeferredTaxAssets" scale="6" id="f-6738">253</ix:nonFraction> were for temporary differences and EUR <ix:nonFraction unitRef="eur" contextRef="c-2803" decimals="-6" name="ifrs-full:DeferredTaxAssets" scale="6" id="f-6739">773</ix:nonFraction> for tax losses and credits. </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:130%">The Group estimates that the recognised deferred tax assets for temporary differences, tax losses and credits in the different jurisdictions could be recovered in a maximum period of <ix:nonNumeric contextRef="c-2804" name="san:RemainingRecoveryPeriodOfDeferredTaxAssetsForTemporaryDifferences" format="ixt-sec:duryear" id="f-6740">15</ix:nonNumeric> years.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">238</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-221"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDeferredTaxesExplanatory" id="f-6741" escape="true"><ix:continuation id="f-6563-6" continuedAt="f-6563-7"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in Tax assets&#160;- Deferred and Tax liabilities&#160;- Deferred in the last three&#160;years were as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:20.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.608%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Balance at 1 January 2025</span></td><td colspan="3" style="padding:2px 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:105%">(Charge)/Credit to income</span></td><td colspan="3" style="padding:2px 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:105%">Foreign currency balance translation differences and other items</span></td><td colspan="3" style="padding:2px 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:105%">(Charge)/Credit to asset and liability valuation adjustments</span></td><td colspan="3" style="padding:2px 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:105%">Reclassification no-current asset held for sale</span></td><td colspan="3" style="padding:2px 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:105%">Acquisition for the year (net)</span></td><td colspan="3" style="padding:2px 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:105%">Balance at 31 December 2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deferred tax assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6742">19,170</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:DeferredTaxIncomeRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-6743">1,107</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="san:DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" scale="6" id="f-6744">102</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxAsset" scale="6" id="f-6747">31</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6748">18,944</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax losses and tax credits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2805" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6749">2,367</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2806" decimals="-6" name="san:DeferredTaxIncomeRecognisedInProfitOrLoss" scale="6" id="f-6750">82</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2806" decimals="-6" sign="-" name="san:DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" scale="6" id="f-6751">107</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2806" decimals="-6" name="san:DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments" format="ixt:fixed-zero" scale="6" id="f-6752">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2806" decimals="-6" name="san:IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxAsset" format="ixt:fixed-zero" scale="6" id="f-6753">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2806" decimals="-6" name="san:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxAsset" scale="6" id="f-6754">12</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2807" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6755">2,354</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Temporary differences</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2778" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-6756">16,803</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2804" decimals="-6" name="san:DeferredTaxIncomeRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-6757">1,025</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2804" decimals="-6" name="san:DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" scale="6" id="f-6758">5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2804" decimals="-6" sign="-" name="san:DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments" scale="6" id="f-6759">132</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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contextRef="c-2777" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-6783">5,904</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-6784">12,894</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt 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name="ifrs-full:DeferredTaxLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-6790">13,040</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:30.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.607%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Balance at 1 January 2024</span></td><td colspan="3" style="padding:2px 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:105%">(Charge)/Credit to income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">239</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-222"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-6563-8" continuedAt="f-6563-9"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="ic793f70263a0443cb47037278ae931ba"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%">f) Global Minimum Tax Pillar Two </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:130%">The Global Minimum Tax Model Rules, known as Pillar Two and approved in 2021 by the OECD Inclusive Framework, require multinational groups with revenues exceeding EUR 750 million to be subject to a minimum tax rate of 15% on adjusted accounting profit, calculated on a jurisdiction-by-jurisdiction basis. The OECD has complemented these rules through the approval of administrative guidance and a document on transitional safe harbours applicable to fiscal years 2024 to 2026. In January 2026, the application of the transitional safe harbours was extended for an additional year, and new permanent safe harbours were approved with the aim of simplifying the application of the Model Rules and implementing the 'side-by-side agreement' reached in June 2025 within the G7, which will apply from 2026 to multinational groups with a U.S. parent company.</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:130%">In the European Union, in December 2022, the Council approved Directive (EU) 2022/2523 on ensuring a global minimum level of taxation for multinational enterprise groups and large scale domestic groups in the Union, setting 1 January 2024 as the entry-into-force date of the new minimum taxation. The Directive implements the OECD Inclusive Framework Pillar Two rules within the European Union, while also extending their application to large domestic groups.</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:130%">In Spain, on 20 December 2024, Law 7/2024 was approved, establishing a Supplementary Tax to ensure a global minimum level of taxation for multinational groups and large domestic groups, effective as from 1 January 2024. This Law transposes Directive (EU) 2022/2523 and also establishes a domestic supplementary tax aligned with the Pillar Two rules. In April 2025, Royal Decree 252/2025 was published, approving the implementing regulations of the Law.</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:130%">With regard to other jurisdictions, the rules on the new global minimum tax are already in force in most of the main geographies in which the Group operates, with the exception of Mexico, Chile, and Argentina.</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:130%">The Pillar Two rules require calculating, in each jurisdiction in which the Group operates, the effective tax rate resulting from comparing income tax expense with accounting profit, both subject to certain adjustments. If, in a given jurisdiction, this rate is below 15%, Banco Santander, as the ultimate parent entity, must pay the difference to the Spanish tax authorities as a supplementary tax, unless a domestic supplementary tax aligned with the Pillar Two rules (a qualified domestic tax) has been approved in that jurisdiction, in which case the amount will be paid to the local tax authorities.</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:130%">Both Banco Santander, S.A., as the ultimate parent entity, and the subsidiaries resident in jurisdictions where a qualified domestic tax has been approved, have estimated the supplementary taxes accrued, taking into account the application of the transitional safe harbours in fiscal years 2024 and 2025.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">These safe harbours mean that the supplementary tax, whether at the level of the parent entity or in jurisdictions that have adopted a qualified domestic tax, is not payable provided that any of the </span><span style="color:#000000;font-family:'Aptos',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">f</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ollowing conditions are met: (i) the effective tax rate calculated based on country-by-country reporting data exceeds 15% in 2024 and 16% in 2025; (ii) the Group&#8217;s presence in a jurisdiction is not significant if below EUR 10 million and profit before tax is below EUR 1 million; or (iii) profit before tax is lower than the amount resulting from the sum of tangible fixed assets and employee expenses adjusted by a certain percentage that varies annually.</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:130%">This supplementary tax expense recognized by the Group has not been significant, as the effective tax rates calculated in accordance with the Pillar Two rules in most of the jurisdictions in which the Group operates are above 15%. Nevertheless, the new regulations require the provision of a large amount of information to the tax authorities in the jurisdictions where the Group is present, broken down on an entity-by-entity basis, which involves a significant administrative burden.</span></div><div style="margin-bottom:6pt;text-align:justify"><span id="iea97509ef1424cf792cf0322f7bedc09"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%">g) Tax reforms</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:130%">In 2025 and prior years, the following significant tax reforms were approved:</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:130%">In Spain, in 2022, Law 38/2022 was approved, establishing a temporary levy payable by credit institutions and financial credit institutions in fiscal years 2023 and 2024. The levy amounted to 4.8% of the sum of net interest income and net fees and commissions from the activity carried out in Spain in the previous year. The payment obligation arose on the first day of each fiscal year. The expense recognized for this temporary levy amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-2819" decimals="-6" name="ifrs-full:TaxExpenseOtherThanIncomeTaxExpense" scale="6" id="f-6879">224</ix:nonFraction>&#160;million in 2023 and EUR <ix:nonFraction unitRef="eur" contextRef="c-2820" decimals="-6" name="ifrs-full:TaxExpenseOtherThanIncomeTaxExpense" scale="6" id="f-6880">334</ix:nonFraction>&#160;million in 2024. However, the tax authorities have audited both years and consider that an additional amount is payable due to differences in the criteria applied in determining the taxable base, which are currently being discussed by the Bank. Furthermore, the Law established, for 2023, a 50% limitation on the inclusion of individual tax losses in the taxable base of the Tax Consolidated Group, setting a 10-year period for the reversal of this positive adjustment.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 20 December 2024, Law 7/2024 was approved, which, among other tax measures, introduced a tax on the net interest margin and commissions earned in Spanish territory by certain financial institutions, with accrual on 1 January of fiscal years 2025, 2026 and 2027. The taxable base, with certain changes compared to that of the temporary levy, is now calculated on an individual basis for each financial institution, and the tax liability is determined in accordance with a progressive rate scale ranging from 1% to 7%, after applying certain deductions. On 24 December 2024, Royal Decree-Law 9/2024 was published in the Official State Gazette, amending certain technical aspects of the tax and postponing its accrual to 31 January of those fiscal years. This Royal Decree-Law was abolished on 22 January 2025 and, therefore, no expense was recognized for the new tax in respect of 2024 income in accordance with the legislation in force at that time (EUR <ix:nonFraction unitRef="eur" contextRef="c-2821" decimals="-6" name="san:PaymentOfTaxExpenseOtherThanIncomeTaxExpense" scale="6" id="f-6881">392</ix:nonFraction>&#160;million were paid during the year). In 2025, the expense corresponding to income accrued during the financial year, recognised as income tax, amounts to &#8364;<ix:nonFraction unitRef="eur" contextRef="c-2822" decimals="-6" name="ifrs-full:TaxExpenseOtherThanIncomeTaxExpense" scale="6" id="f-6882">353</ix:nonFraction>&#160;million and will be paid in 2026. The Group considers that both the temporary levy and the tax on net interest margin and fees and commissions are contrary to the Spanish and European Union constitutional and legal principles and has therefore disputed the corresponding self-assessments, requesting a refund of the amounts paid.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">240</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-223"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-6563-9" continuedAt="f-6563-10"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Additionally, the aforementioned Law 7/2024 once again establishes, for fiscal years 2024 and 2025, a 50% limitation on the inclusion of individual tax losses in the taxable base of the Tax Consolidated Group, setting a 10-year period for the reversal of this positive adjustment. Likewise, this Law reintroduces the limits provided for in Royal Decree-Law 3/2016&#8212;which was declared unconstitutional by the Constitutional Court ruling of 18 January 2024&#8212;on the utilization of monetizable deferred tax assets and the offsetting of tax losses (with the limit reduced from 70% to 25%), as well as on the application of deductions to avoid double taxation (50%), and also reinstates the mandatory reversal of impairments on shareholdings that were deductible in prior years by third parties, regardless of any recovery in the value of the investees.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In Brazil, Law 14,467 enacted in 2022 with effect from 2025, amends the rules on the tax deductibility of credit provisions in financial institutions, bringing those rules closer to the accounting recognition criterion. In 2024, Law 15,078 was published, allowing the recovery of the accumulated balance of provisions of nondeductible loans at the end of 2024 within a seven-year period (with the option to extend to ten years) from January 2026.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2025, several Legislative Decrees and decisions of the Federal Supreme Court were published concerning the Financial Transactions Tax (IOF), amending the applicable rules and setting new rates for its various categories: (i) IOF Credit (local loans to legal entities increased from 1.88% to a maximum of 3.37% per annum); (ii) IOF Insurance (a 5% rate was introduced on the excess of certain contributions to life insurance policies); and (iii) IOF Foreign Exchange (payments for the import of services and royalties paid abroad rose from 0.38% to 3.5%).</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In December 2023, Congress approved Constitutional Amendment 132/2023 on indirect taxation reform, initiating the legislative development process, which culminated in the enactment of Supplementary Laws 214/2025 in January 2025 and 227/2026 in January 2026. This reform replaces the various existing indirect taxes in Brazil, -applicable at the federal, regional and municipal levels-, with two taxes administered at federal level (contribution on goods and services and selective tax) and other administered at regional and municipal levels (tax on goods and services). The new system will be gradually implemented over a transitional period of 8 years (from 2026 to 2033). </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2024, Law No. 14.973/2024 partially extended, until 31 December 2027, an optional social contribution regime for employees applicable to certain sectors of activity, allowing such contributions to be calculated as a percentage of gross income (ranging from 1% to 4.5%, depending on the sector), rather than under the general regime, which applies a 20% rate to employee payroll.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In November 2025, Law No. 15.270 was published which, among other measures, introduced a 10% withholding tax on ordinary dividends paid abroad as from 1 January 2026.</span></div><div><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In December 2025, Supplementary Law No. 224 was enacted, which, among other measures: (i) increased the withholding tax on Interest on equity (juros sobre o capital pr&#243;prio) from 15% to 17.5%; (ii) raised the CSLL rate applicable to non-bank financial institutions as from 1 April 2026 on a gradual basis: payment institutions to 12% in 2026 and 2027, and 15% as from 2028; and credit, financing and capitalisation companies to 17.5% in 2026 and 2027, and 20% as from 2028 (the rate for banks remains at 20% and for other financial institutions at 15%), and (iii) introduced an automatic 10% reduction in the amount of certain federal tax incentives as from 2026.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In Argentina, as from 23 December 2024, Tax for an Inclusive and Solidarity Argentina (PAIS), which imposed certain foreign currency purchasing operations in order to make payments abroad, has been eliminated. Likewise, General Resolution (AFIP) No. 5,554 repeals, with effect from 1 September 2024, the obligation to withhold VAT and income tax on electronic payments. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In Chile, Law 27,713 on Tax Compliance Obligations was published in October 2024, amending, among other instruments, the Tax Code, the Income Tax Law and the Value Added Tax Law. Additionally, in July 2024, Law No. 21,681 was published, which, among other measures, introduced a new Substitute Tax of Final Tax, allowing the distribution of taxable profits at a fixed rate of 12% until 31 January 2025, thereby reducing the fiscal cost of such distributions.</span></div><div><span><br/></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:130%">In Mexico, the Federal Revenue Law for Fiscal Year 2026 was published in November 2025, limiting the deductibility of contributions paid to the Institute for the Protection of Bank Savings (IPAB) to 25% of their amount and amending the tax treatment of loan loss provisions, bringing them into line with the regime applicable to other entities.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In the United States, Law 119-21 ('One, Big, Beautiful Bill Act') was passed in July 2025, introducing significant regulatory changes. Notable among these are the repeal of tax credits linked to electric vehicles as from 1 October 2025 (while preserving those already generated), the elimination of the obligation to capitalise and amortise the costs of in-house software development (which will now be deductible), and the reintroduction of accelerated tax depreciation for investments in certain tangible assets.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In Portugal, a gradual reduction of the corporate income tax rate has been approved, falling from 20% in 2025 to 19% in 2026, 18% in 2027 and 17% in 2028 and subsequent years. Including the municipal surtax of up to 1.5% and the state surtax of up to 9%, this results in an aggregate combined rate of 30.50%, 29.50%, 28.50% and 27.50%, respectively.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In Poland, one of the most significant changes to the tax framework is the increase in the corporate income tax rate for banks, from 19% to 30% in 2026, followed by a reduction to 26% in 2027 and 23% in 2028 and subsequent years.</span></div><div><span><br/></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:130%">In Germany, the Tax Investment Programme to Strengthen Germany&#8217;s Economic Base was passed in July. It provides for a gradual annual one-percentage-point reduction in the corporate income tax rate from 2028, falling from the current 15% to 10% by 2032. In Germany, the combined corporate income tax and municipal trade tax rate&#8212;which also applies to business profits&#8212;is currently 32.45% and will decrease to 27.18% by 2032.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">241</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-224"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-6563-10"><div style="margin-bottom:6pt"><span id="icc86d6abde6f48a7b323d558df08bc8f"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:115%">h) Other information </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:130%">In compliance with the disclosure requirement established in the listing rules&#160;instrument 2005 published by the UK Financial Conduct Authority, it is hereby stated that shareholders of the Bank resident in the United Kingdom will be entitled to a tax credit for taxes paid abroad in respect of withholdings that the Bank has to pay on the dividends to be paid to such shareholders if the total income of the dividend exceeds the amount of exempt dividends of GBP <ix:nonFraction unitRef="gbp" contextRef="c-2565" decimals="0" name="san:TaxCreditForTaxesPaidAbroadThresholdAmountOfExemptDividends" scale="0" id="f-6883">500</ix:nonFraction> for the year 2025/26 (GBP <ix:nonFraction unitRef="gbp" contextRef="c-2566" decimals="0" name="san:TaxCreditForTaxesPaidAbroadThresholdAmountOfExemptDividends" scale="0" id="f-6884">500</ix:nonFraction> for the year 2024/25). The shareholders of the Bank resident in the United Kingdom who hold their ownership interest in the Bank through Santander Nominee Service will be informed directly of the amount thus withheld and of any other data they may require to complete their tax returns in the United Kingdom. The other shareholders of the Bank resident in the United Kingdom should contact their bank or securities broker.</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:130%">Banco Santander, S.A., is part of the Large Business Forum and has adhered since 2010 to the Code of Good Tax Practices in Spain. Also Santander UK is a member of the HMRC&#8217;s (His Majesty's Revenue and Customs) Code of Practice on Taxation in the United Kingdom and Santander Portugal has adhered to the Code of Good Tax Practices in Portugal, actively participating in the cooperative compliance programs being developed by these Tax Administrations.</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1021"></div><div style="margin-bottom:6pt;margin-top:24pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt"><span id="ic88c97b2be5947399fd1cbf798f17579"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">28. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfNoncontrollingInterestsExplanatory" id="f-6885" continuedAt="f-6885-1" escape="true">Non-controlling interests</ix:nonNumeric></span></div><ix:continuation id="f-6885-1" continuedAt="f-6885-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Non-controlling interests include the net amount of the equity of subsidiaries attributable to equity instruments that do not belong, directly or indirectly, to the Bank, including the portion attributed to them of profit for the&#160;year.</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1024"></div><ix:continuation id="f-6885-2" continuedAt="f-6885-3"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i02ea9a54c8de4ab78a99b48ffccca763"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfNonControllingInterestComponentsExplanatoryTableTextBlock" id="f-6886" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by Group company, of 'Equity&#160;- Non-controlling interests' 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:99.782%"><tr><td style="width:1.0%"/><td style="width:59.085%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.173%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Santander Bank Polska S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2717" decimals="-6" name="san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests" format="ixt:num-dot-decimal" scale="6" id="f-6887">2,670</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2823" decimals="-6" name="san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests" format="ixt:num-dot-decimal" scale="6" id="f-6888">2,320</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2824" decimals="-6" name="san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests" format="ixt:num-dot-decimal" scale="6" id="f-6889">1,934</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander - Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2828" decimals="-6" name="san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests" format="ixt:num-dot-decimal" scale="6" id="f-6893">1,422</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-6907">1,107</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2837" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6909">217</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2838" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6910">285</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander (Brasil) S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2842" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6914">184</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2843" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6915">233</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2844" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6916">182</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Santander Bank Polska S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1630" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6917">604</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1631" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6918">413</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1632" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6919">347</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Other companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2845" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6920">68</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2846" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6921">36</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2847" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6922">58</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-6923">9,578</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-6924">8,726</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-6925">8,818</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">It included, as of 31 December 2023, perpetual Santander UK plc equity instruments convertible at the option of Santander UK plc into preferred shares of the entity itself amounting EUR <ix:nonFraction unitRef="eur" contextRef="c-2848" decimals="-6" name="ifrs-full:OtherEquityInterest" scale="6" id="f-6926">576</ix:nonFraction>&#160;million. During 2024, the last outstanding issuance held by third parties for GBP <ix:nonFraction unitRef="gbp" contextRef="c-2849" decimals="-6" name="ifrs-full:OtherEquityInterest" scale="6" id="f-6927">500</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2849" decimals="-6" name="ifrs-full:OtherEquityInterest" scale="6" id="f-6928">590</ix:nonFraction>&#160;million) was redeemed.</span></div></ix:nonNumeric></ix:continuation><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">242</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-225"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-6885-3" continuedAt="f-6885-4"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i6c8562a07d4344eaa0bfcc6ba4bcf4fa"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Changes</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfNonControllingInterestChangesExplanatoryTableTextBlock" id="f-6929" escape="true"><div style="margin-bottom:2pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in Non-controlling interests are summarised as follows:</span></div><div style="margin-bottom:2pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:57.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.791%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Balance at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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same year, which are recognised in the income statement.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Amounts transferred to initial carrying amount of hedged items: includes the amount of the revaluation gains and losses previously recognised in equity, even in the same year, which are recognised in the initial carrying amount of assets or liabilities as a result of cash flow hedges.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Other reclassifications: includes the amount of the transfers made in the year between the different 'Other comprehensive income' items.</span></div></div></ix:continuation></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">243</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-226"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-6981-3" continuedAt="f-6981-4"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i37ce6061130a4953b42677c344ab40f3"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown of Other comprehensive income - Items that will not be reclassified in results and Items that can be classified in results</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfOtherComprehensiveIncomeComponentsTableTextBlock" id="f-6982" escape="true"><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.504%"><tr><td style="width:1.0%"/><td style="width:69.916%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.611%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.459%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.614%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.87pt;font-weight:400;line-height:105%;position:relative;top:-2.62pt;vertical-align:baseline">A</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 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:105%">2025</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other comprehensive income</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6983">37,974</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6984">36,595</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="ifrs-full:AccumulatedOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-6985">35,020</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Items that will not be reclassified to profit or loss</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" sign="-" name="san:OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-6986">4,121</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="san:OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-6987">4,757</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="san:OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-6988">5,212</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Actuarial gains and losses on defined benefit pension plans</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" sign="-" name="ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-6989">3,896</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-6990">4,404</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-6991">4,324</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-current assets held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss" scale="6" id="f-6992">56</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-6993">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-6994">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Share in other income and expenses recognised in investments, joint ventures and associates</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities" scale="6" id="f-6995">1</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="san:AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities" scale="6" id="f-6996">1</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities" scale="6" id="f-6997">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other valuation adjustments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax" format="ixt:fixed-zero" scale="6" id="f-6998">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax" format="ixt:fixed-zero" scale="6" id="f-6999">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax" format="ixt:fixed-zero" scale="6" id="f-7000">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">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:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" sign="-" name="ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments" scale="6" id="f-7001">250</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments" scale="6" id="f-7002">432</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments" scale="6" id="f-7003">776</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Inefficiency of fair value hedges of equity instruments measured at fair value with changes in other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-7004">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-7005">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-7006">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income (hedged item)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" scale="6" id="f-7007">208</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" scale="6" id="f-7008">284</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" scale="6" id="f-7009">264</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income (hedging instrument)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" sign="-" name="san:OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" scale="6" id="f-7010">208</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="san:OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" scale="6" id="f-7011">284</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="san:OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" scale="6" id="f-7012">264</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of financial liabilities measured at fair value through profit or loss attributable to changes in credit risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" sign="-" name="ifrs-full:ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-7013">32</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-7014">80</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="ifrs-full:ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-7015">113</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Items that may be reclassified to profit or loss</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" sign="-" name="san:OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7016">33,853</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="san:OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7017">31,838</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="san:OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7018">29,808</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Hedges of net investments in foreign operations (Effective portion)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" sign="-" name="ifrs-full:ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="f-7019">7,343</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="ifrs-full:ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="f-7020">8,002</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="ifrs-full:ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="f-7021">8,684</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7022">25,475</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7023">22,375</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7024">19,510</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives. Cash flow hedges (Effective portion)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:ReserveOfCashFlowHedges" scale="6" id="f-7025">333</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="ifrs-full:ReserveOfCashFlowHedges" scale="6" id="f-7026">298</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="ifrs-full:ReserveOfCashFlowHedges" scale="6" id="f-7027">740</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of debt instruments measured at fair value with changes in other comprehensive income</span></td><td colspan="2" 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name="ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7029">736</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7030">555</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" format="ixt:fixed-zero" scale="6" id="f-7032">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" format="ixt:fixed-zero" scale="6" id="f-7033">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-current assets classified as held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" sign="-" name="san:OtherReservesNonCurrentAssetsHeldForSaleThatMayBeReclassifiedToProfitOrLossNetOfTax" scale="6" id="f-7034">590</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:OtherReservesNonCurrentAssetsHeldForSaleThatMayBeReclassifiedToProfitOrLossNetOfTax" format="ixt:fixed-zero" scale="6" id="f-7035">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:OtherReservesNonCurrentAssetsHeldForSaleThatMayBeReclassifiedToProfitOrLossNetOfTax" format="ixt:fixed-zero" scale="6" id="f-7036">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Share in other income and expenses recognised in investments, joint ventures and associates</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" sign="-" name="san:AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities" scale="6" id="f-7037">395</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="san:AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities" scale="6" id="f-7038">427</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="san:AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities" scale="6" id="f-7039">319</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net amount of taxes and minorities</span></div></ix:nonNumeric><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i85def64fdd5244ef832565bedcad1013"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Other comprehensive income- Items not reclassified to profit or loss &#8211; Actuarial gains or (-) losses on defined benefit pension plans </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:130%">'Other comprehensive income&#160; &#8212;Items not reclassified to profit or loss&#8212;&#160; Actuarial gains or (-) losses on defined benefit pension plans' include the actuarial gains and losses and the return on plan assets, less the administrative expenses and taxes inherent to the plan, and any change in the effect of the asset ceiling, excluding amounts included in net interest on the net defined benefit liability (asset), attributed to the group net of taxes.</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:130%">In 2025, the amount of actuarial losses (net of actuarial gains) recognized in the consolidated statement of recognised income was EUR <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-7040">73</ix:nonFraction> million, which corresponds to:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In first place, due to the addition against equity of 2025 amounting to EUR <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions" scale="6" id="f-7041">220</ix:nonFraction> million - see note&#160;25.b&#160;-, with the following breakdown:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Increase of EUR <ix:nonFraction unitRef="eur" contextRef="c-2565" decimals="-6" sign="-" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7042">117</ix:nonFraction> million in the cumulative actuarial losses relating to the Group&#180;s businesses in the UK, mainly due to the evolution of the asset portfolio. These losses have been partially offset by the evolution experienced in the discount rate-increase from <ix:nonFraction unitRef="number" contextRef="c-2569" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-7043">5.54</ix:nonFraction>% to <ix:nonFraction unitRef="number" contextRef="c-2568" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-7044">5.58</ix:nonFraction>%- in long-term inflation -decrease from <ix:nonFraction unitRef="number" contextRef="c-2569" decimals="4" name="ifrs-full:OtherMaterialActuarialAssumptions" scale="-2" id="f-7045">3.11</ix:nonFraction>% to <ix:nonFraction unitRef="number" contextRef="c-2568" decimals="4" name="ifrs-full:OtherMaterialActuarialAssumptions" scale="-2" id="f-7046">2.90</ix:nonFraction>%- and in other demographic hypotheses.</span></div><div style="margin-bottom:9pt;text-indent:10.91pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Increase of EUR <ix:nonFraction unitRef="eur" contextRef="c-2729" decimals="-6" sign="-" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7047">116</ix:nonFraction> million in accumulated actuarial losses corresponding to the Group&#8217;s business in Brazil, mainly due to  the collective experience and the evolution of the asset portfolio. These losses have been partially offset by the evolution experienced by the discount rate -increase from <ix:nonFraction unitRef="number" contextRef="c-2869" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases" scale="-2" id="f-7048">10.58</ix:nonFraction>% to <ix:nonFraction unitRef="number" contextRef="c-2610" decimals="4" name="ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases" scale="-2" id="f-7049">10.65</ix:nonFraction>% in the main pension benefits and <ix:nonFraction unitRef="number" contextRef="c-2869" decimals="4" name="ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates" scale="-2" id="f-7050">10.50</ix:nonFraction>% to <ix:nonFraction unitRef="number" contextRef="c-2610" decimals="4" name="ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates" scale="-2" id="f-7051">10.52</ix:nonFraction>% in medical benefits-.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Decrease of EUR <ix:nonFraction unitRef="eur" contextRef="c-2505" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7052">33</ix:nonFraction> million in the accumulates actuarial losses relating to the Group&#180;s entities in Spain, mainly due to the evolution experienced by the discount rate -increase from <ix:nonFraction unitRef="number" contextRef="c-2491" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-7053">3.00</ix:nonFraction>% to <ix:nonFraction unitRef="number" contextRef="c-307" decimals="4" name="ifrs-full:ActuarialAssumptionOfDiscountRates" scale="-2" id="f-7054">3.75</ix:nonFraction>%-.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Increase of EUR <ix:nonFraction unitRef="eur" contextRef="c-2870" decimals="-6" sign="-" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7055">20</ix:nonFraction> million in the accumulated actuarial losses corresponding to the Group's businesses in other geographical areas.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In second place, due to the evolution of exchange rates, a EUR <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromMiscellaneousOtherChanges" scale="6" id="f-7056">147</ix:nonFraction> million decrease.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">244</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-227"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-6981-4" continuedAt="f-6981-5"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4b537130286940c58c0e2f4aad091974"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Other comprehensive income - Items that will not be reclassified in results - 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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Since the entry into force of IFRS 9, no impairment analysis is performed of equity instruments recognised under 'Other comprehensive income'. IFRS 9 eliminates the need to carry out the impairment estimate on this class of equity instruments and the reclassification to profit and loss on the disposal of these assets, being recognised at fair value with changes in equity.</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfOtherComprehensiveIncomeChangesInFairValueThatWillNotBeReclassifiedToProfitOrLossTableTextBlock" id="f-7057" continuedAt="f-7057-1" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following is a breakdown of the composition of the balance as of 31 December 2025, 2024 and 2023 under 'Other comprehensive income - Items that will not be reclassified to profit or loss - Changes in the fair value of equity instruments measured at fair value with changes in other global result' depending on the geographical origin of the issuer:</span></div></ix:nonNumeric></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:14.17pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div></div><ix:continuation id="f-7057-1" continuedAt="f-7057-2"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"/><td style="width:29.257%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.310%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.310%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.310%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.313%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Capital gains by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Capital losses by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net gains/losses by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair Value</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Domestic</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2871" decimals="-6" name="san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains" scale="6" id="f-7058">47</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2871" decimals="-6" name="san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses" scale="6" id="f-7059">1326</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2871" decimals="-6" sign="-" name="ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="f-7060">1,279</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2871" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7061">133</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2872" decimals="-6" name="san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains" scale="6" id="f-7062">75</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2872" decimals="-6" name="san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses" scale="6" id="f-7063">81</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2872" decimals="-6" sign="-" name="ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments" scale="6" id="f-7064">6</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2872" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7065">186</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2873" decimals="-6" name="san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains" scale="6" id="f-7066">23</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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name="san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains" scale="6" id="f-7094">22</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2879" decimals="-6" name="san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses" format="ixt:fixed-zero" scale="6" id="f-7095">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2879" decimals="-6" name="ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments" scale="6" id="f-7096">22</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2879" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7097">24</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Latin America and rest</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2880" decimals="-6" name="san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains" scale="6" id="f-7098">775</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2880" decimals="-6" name="san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses" format="ixt:fixed-zero" scale="6" id="f-7099">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2880" decimals="-6" name="ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments" scale="6" id="f-7100">775</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2880" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7101">1,753</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-9" decimals="-6" name="san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains" scale="6" id="f-7102">967</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-9" decimals="-6" name="san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses" format="ixt:num-dot-decimal" scale="6" id="f-7103">1,399</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-9" decimals="-6" sign="-" name="ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments" scale="6" id="f-7104">432</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-9" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7105">2,193</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Publicly listed</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2881" decimals="-6" name="san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains" scale="6" id="f-7106">779</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2881" decimals="-6" name="san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses" scale="6" id="f-7107">51</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2881" decimals="-6" name="ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments" scale="6" id="f-7108">728</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2881" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7109">1,780</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Non publicly listed</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2882" decimals="-6" name="san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains" scale="6" id="f-7110">188</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2882" decimals="-6" name="san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses" format="ixt:num-dot-decimal" scale="6" id="f-7111">1,348</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2882" decimals="-6" sign="-" name="ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments" format="ixt:num-dot-decimal" scale="6" id="f-7112">1,160</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2882" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7113">413</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">245</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-228"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-6981-5" continuedAt="f-6981-6"><ix:continuation id="f-7057-2"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"/><td style="width:29.257%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.310%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.310%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.310%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.313%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Capital gains by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Capital losses by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net gains/losses by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair Value</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td 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name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7133">1,761</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Publicly listed</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2887" decimals="-6" name="san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains" scale="6" id="f-7134">316</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2887" decimals="-6" name="san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses" scale="6" id="f-7135">118</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2887" decimals="-6" name="ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments" scale="6" id="f-7136">198</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2887" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7137">1,225</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Non publicly listed</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2888" decimals="-6" name="san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains" scale="6" id="f-7138">219</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2888" decimals="-6" name="san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses" format="ixt:num-dot-decimal" scale="6" id="f-7139">1,193</ix:nonFraction>)</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2888" decimals="-6" sign="-" name="ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments" scale="6" id="f-7140">974</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2888" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7141">536</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="idcd264dac29b45429a3deab37d601ee3"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Other comprehensive income - Items that may be reclassified to profit or loss - Hedge of net investments in foreign operations (effective portion) and exchange differences</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:130%">The change in 2025 reflects the depreciation of the US dollar, pound sterling, Argentine peso, Chilean peso and Brazilian real and the positive effect of the appreciation of the Mexican peso, whereas the change in 2024 reflected the positive effect of the appreciation of pound sterling, the US dollar and Polish zloty and the negative effect of the depreciation of the Brazilian real, Argentine peso, Mexican peso and Chilean peso. The change in 2023 reflected  the positive effect of the appreciation of the Brazilian real, pound sterling, Polish zloty and the Mexican peso and the negative effect of the depreciation of the US dollar, Argentine peso and Chilean peso.</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:130%">Of the change in the balance in these years, a </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:130%">loss</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> of EUR <ix:nonFraction unitRef="eur" contextRef="c-2889" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7142">287</ix:nonFraction> million, a loss of EUR <ix:nonFraction unitRef="eur" contextRef="c-2890" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7143">568</ix:nonFraction> million and a profit of EUR <ix:nonFraction unitRef="eur" contextRef="c-2891" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7144">249</ix:nonFraction> million in 2025, 2024 and 2023, respectively relate to the measurement of goodwill.</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfOtherComprehensiveIncomeExchangeDifferencesInForeignOperationsThatMayBeReclassifiedToProfitOrLossTableTextBlock" id="f-7145" continuedAt="f-7145-1" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by country 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:99.782%"><tr><td style="width:1.0%"/><td style="width:42.109%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.729%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net balance at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7146">32,818</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7147">30,377</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7148">28,194</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Brazilian real</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-282" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7149">19,412</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-283" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7150">19,293</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-284" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7151">16,340</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Mexican peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-279" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7152">4,137</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-280" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7153">3,995</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-281" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7154">2,942</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Pound sterling</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-276" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7155">4,125</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-277" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7156">3,444</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-278" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7157">3,964</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Chilean peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-273" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7158">2,926</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-274" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7159">2,857</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-275" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7160">2,531</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Argentine peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-288" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7161">2,217</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-289" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7162">2,090</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-290" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7163">2,655</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Polish zloty</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-285" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" scale="6" id="f-7164">43</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-286" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" scale="6" id="f-7165">709</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-287" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" scale="6" id="f-7166">786</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">US dollar</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-270" decimals="-6" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7167">1,047</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-271" decimals="-6" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7168">2,923</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-272" decimals="-6" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7169">1,819</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2148" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7170">1,005</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2149" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" scale="6" id="f-7171">912</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2150" decimals="-6" sign="-" name="san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" scale="6" id="f-7172">795</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">246</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-229"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-7145-1"><ix:continuation id="f-6981-6" continuedAt="f-6981-7"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The breakdown of translation differences by currency is as follows</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"/><td style="width:18.929%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.324%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.324%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.324%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.324%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.324%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.324%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.327%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Of which:</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Currency</span></td><td colspan="3" style="padding:2px 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:105%">Balance at the beginning of the year</span></td><td colspan="3" style="padding:2px 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:105%">Balance at the end of the year</span></td><td colspan="3" style="padding:2px 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:105%">Movement</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From goodwill</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">From results</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From net assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">From transfers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Brazilian real</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2892" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7173">16,664</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7174">16,755</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7175">91</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" sign="-" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7176">13</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" sign="-" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7177">41</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" sign="-" name="san:ForeignExchangeGainLossNetAssets" scale="6" id="f-7178">37</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="san:ForeignExchangeGainLossTransfers" format="ixt:fixed-zero" scale="6" id="f-7179">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pound sterling</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2895" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7180">3,300</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2896" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7181">4,126</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2897" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7182">826</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2897" decimals="-6" sign="-" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7183">48</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2897" decimals="-6" sign="-" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7184">18</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2897" decimals="-6" sign="-" name="san:ForeignExchangeGainLossNetAssets" scale="6" id="f-7185">760</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2897" decimals="-6" name="san:ForeignExchangeGainLossTransfers" format="ixt:fixed-zero" scale="6" id="f-7186">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexican peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2898" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7187">1,437</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2899" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7188">1,222</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2900" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7189">215</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2900" decimals="-6" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7190">11</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2900" decimals="-6" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7191">40</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2900" decimals="-6" name="san:ForeignExchangeGainLossNetAssets" scale="6" id="f-7192">164</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2900" decimals="-6" name="san:ForeignExchangeGainLossTransfers" format="ixt:fixed-zero" scale="6" id="f-7193">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentine peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2901" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7194">2,090</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2902" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7195">2,216</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2903" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7196">126</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2903" decimals="-6" name="san:ForeignExchangeGainLossGoodwill" format="ixt:fixed-zero" scale="6" id="f-7197">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2903" decimals="-6" name="san:ForeignExchangeGainLossResults" format="ixt:fixed-zero" scale="6" id="f-7198">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2903" decimals="-6" sign="-" name="san:ForeignExchangeGainLossNetAssets" scale="6" id="f-7199">126</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2903" decimals="-6" name="san:ForeignExchangeGainLossTransfers" format="ixt:fixed-zero" scale="6" id="f-7200">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chilean peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2904" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7201">2,180</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2905" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7202">2,249</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2906" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7203">69</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2906" decimals="-6" sign="-" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7204">12</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2906" decimals="-6" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7205">9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2906" decimals="-6" sign="-" name="san:ForeignExchangeGainLossNetAssets" scale="6" id="f-7206">66</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2906" decimals="-6" name="san:ForeignExchangeGainLossTransfers" format="ixt:fixed-zero" scale="6" id="f-7207">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US dollar</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2907" decimals="-6" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7208">4,462</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2908" decimals="-6" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7209">2,340</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2909" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7210">2,122</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2909" decimals="-6" sign="-" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7211">225</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2909" decimals="-6" sign="-" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7212">48</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2909" decimals="-6" sign="-" name="san:ForeignExchangeGainLossNetAssets" format="ixt:num-dot-decimal" scale="6" id="f-7213">1,849</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2909" decimals="-6" name="san:ForeignExchangeGainLossTransfers" format="ixt:fixed-zero" scale="6" id="f-7214">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Polish zloty</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2910" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" scale="6" id="f-7215">202</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2911" decimals="-6" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" scale="6" id="f-7216">18</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2912" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7217">220</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2912" decimals="-6" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7218">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2912" decimals="-6" name="san:ForeignExchangeGainLossResults" format="ixt:fixed-zero" scale="6" id="f-7219">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2912" decimals="-6" name="san:ForeignExchangeGainLossNetAssets" scale="6" id="f-7220">4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2912" decimals="-6" name="san:ForeignExchangeGainLossTransfers" scale="6" id="f-7221">215</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2913" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" scale="6" id="f-7222">964</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2914" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7223">1,265</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2915" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7224">301</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2915" decimals="-6" sign="-" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7225">1</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2915" decimals="-6" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7226">6</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2915" decimals="-6" sign="-" name="san:ForeignExchangeGainLossNetAssets" scale="6" id="f-7227">306</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2915" decimals="-6" name="san:ForeignExchangeGainLossTransfers" format="ixt:fixed-zero" scale="6" id="f-7228">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2916" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7229">22,375</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2917" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7230">25,475</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2918" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7231">3,100</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2918" decimals="-6" sign="-" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7232">287</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2918" decimals="-6" sign="-" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7233">52</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2918" decimals="-6" sign="-" name="san:ForeignExchangeGainLossNetAssets" format="ixt:num-dot-decimal" scale="6" id="f-7234">2,976</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2918" decimals="-6" name="san:ForeignExchangeGainLossTransfers" scale="6" id="f-7235">215</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Profit and loss items are translated into euros at the average exchange rate for the year as described in note 2 a) ii.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">It includes the accumulated exchange differences of Santander Polska transferred to the heading 'Other comprehensive income - Items that may be reclassified to profit or loss - Non-current assets held for sale' (see Note 12).</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.532%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Of which:</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Currency</span></td><td colspan="3" style="padding:2px 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:105%">Balance at the beginning of the year</span></td><td colspan="3" style="padding:2px 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:105%">Balance at the end of the year</span></td><td colspan="3" style="padding:2px 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:105%">Movement</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From goodwill</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">From results</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From net assets</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Brazilian real</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2919" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7236">13,287</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2892" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7237">16,664</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2920" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7238">3,377</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2920" decimals="-6" sign="-" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7239">631</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2920" decimals="-6" sign="-" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7240">206</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2920" decimals="-6" sign="-" name="san:ForeignExchangeGainLossNetAssets" format="ixt:num-dot-decimal" scale="6" id="f-7241">2,540</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pound sterling</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2921" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7242">4,064</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2895" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7243">3,300</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2922" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7244">764</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2922" decimals="-6" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7245">39</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2922" decimals="-6" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7246">22</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2922" decimals="-6" name="san:ForeignExchangeGainLossNetAssets" scale="6" id="f-7247">703</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexican peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2923" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" scale="6" id="f-7248">64</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2898" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7249">1,437</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2924" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7250">1,373</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2924" decimals="-6" sign="-" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7251">82</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2924" decimals="-6" sign="-" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7252">136</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2924" decimals="-6" sign="-" name="san:ForeignExchangeGainLossNetAssets" format="ixt:num-dot-decimal" scale="6" id="f-7253">1,155</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2901" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7255">2,090</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2926" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7256">568</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2926" decimals="-6" name="san:ForeignExchangeGainLossGoodwill" format="ixt:fixed-zero" scale="6" id="f-7257">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2926" decimals="-6" name="san:ForeignExchangeGainLossResults" format="ixt:fixed-zero" scale="6" id="f-7258">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2926" decimals="-6" name="san:ForeignExchangeGainLossNetAssets" scale="6" id="f-7259">568</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chilean peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2927" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7260">1,890</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2904" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7261">2,180</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2928" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7262">290</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2928" decimals="-6" sign="-" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7263">34</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2928" decimals="-6" sign="-" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7264">7</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2928" decimals="-6" sign="-" name="san:ForeignExchangeGainLossNetAssets" scale="6" id="f-7265">249</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US dollar</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2929" decimals="-6" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7266">3,433</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2907" decimals="-6" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7267">4,462</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2930" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7268">1,029</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2930" decimals="-6" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7269">116</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2930" decimals="-6" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7270">35</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2930" decimals="-6" name="san:ForeignExchangeGainLossNetAssets" scale="6" id="f-7271">878</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Polish zloty</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2931" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" scale="6" id="f-7272">325</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2910" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" scale="6" id="f-7273">202</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2932" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7274">123</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2932" decimals="-6" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7275">34</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2932" decimals="-6" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7276">5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2932" decimals="-6" name="san:ForeignExchangeGainLossNetAssets" scale="6" id="f-7277">84</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2933" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" scale="6" id="f-7278">655</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2913" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" scale="6" id="f-7279">964</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2934" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7280">309</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2934" decimals="-6" sign="-" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7281">10</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2934" decimals="-6" sign="-" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7282">8</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2934" decimals="-6" sign="-" name="san:ForeignExchangeGainLossNetAssets" scale="6" id="f-7283">291</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2935" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7284">19,510</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2916" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7285">22,375</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2936" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7286">2,865</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2936" decimals="-6" sign="-" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7287">568</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2936" decimals="-6" sign="-" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7288">295</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2936" decimals="-6" sign="-" name="san:ForeignExchangeGainLossNetAssets" format="ixt:num-dot-decimal" scale="6" id="f-7289">2,002</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Profit and loss items are translated into euros at the average exchange rate for the year as described in note 2 a) ii.</span></div><div style="text-indent:3.82pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.532%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Of which:</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Currency</span></td><td colspan="3" style="padding:2px 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:105%">Balance at the beginning of the year</span></td><td colspan="3" style="padding:2px 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:105%">Balance at the end of the year</span></td><td colspan="3" style="padding:2px 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:105%">Movement</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From goodwill</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">From results</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From net assets</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Brazilian real</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2937" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7290">14,199</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2919" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7291">13,287</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2938" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7292">912</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2938" decimals="-6" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7293">191</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2938" decimals="-6" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7294">11</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2938" decimals="-6" name="san:ForeignExchangeGainLossNetAssets" scale="6" id="f-7295">710</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pound sterling</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2939" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7296">4,446</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2921" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7297">4,064</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2940" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7298">382</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2940" decimals="-6" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7299">20</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2940" decimals="-6" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7300">4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2940" decimals="-6" name="san:ForeignExchangeGainLossNetAssets" scale="6" id="f-7301">358</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexican peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2941" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7302">1,132</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2923" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" scale="6" id="f-7303">64</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2942" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7304">1,068</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2942" decimals="-6" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7305">62</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2942" decimals="-6" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7306">41</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt 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contextRef="c-2943" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7308">1,754</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2925" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7309">2,658</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2944" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7310">904</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2944" decimals="-6" sign="-" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7311">4</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2944" decimals="-6" name="san:ForeignExchangeGainLossResults" format="ixt:fixed-zero" scale="6" id="f-7312">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2944" decimals="-6" sign="-" name="san:ForeignExchangeGainLossNetAssets" scale="6" id="f-7313">900</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chilean peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2945" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7314">1,605</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2927" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7315">1,890</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2946" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7316">285</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2947" decimals="-6" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7320">4,062</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2929" decimals="-6" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7321">3,433</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2948" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7322">629</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2948" decimals="-6" sign="-" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7323">64</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2948" decimals="-6" sign="-" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7324">16</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2948" decimals="-6" sign="-" name="san:ForeignExchangeGainLossNetAssets" scale="6" id="f-7325">549</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Polish zloty</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2949" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" scale="6" id="f-7326">776</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2931" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" scale="6" id="f-7327">325</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2950" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7328">451</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2950" decimals="-6" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7329">87</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2950" decimals="-6" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7330">32</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2950" decimals="-6" name="san:ForeignExchangeGainLossNetAssets" scale="6" id="f-7331">332</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2951" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" scale="6" id="f-7332">570</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2933" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" scale="6" id="f-7333">655</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2952" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7334">85</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2952" decimals="-6" sign="-" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7335">11</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2952" decimals="-6" sign="-" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7336">1</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2952" decimals="-6" sign="-" name="san:ForeignExchangeGainLossNetAssets" scale="6" id="f-7337">73</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2953" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7338">20,420</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2935" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-7339">19,510</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2954" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-7340">910</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2954" decimals="-6" name="san:ForeignExchangeGainLossGoodwill" scale="6" id="f-7341">249</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2954" decimals="-6" name="san:ForeignExchangeGainLossResults" scale="6" id="f-7342">37</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2954" decimals="-6" name="san:ForeignExchangeGainLossNetAssets" scale="6" id="f-7343">624</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Profit and loss items are translated into euros at the average exchange rate for the year as described in note 2 a) ii.</span></div></ix:continuation></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">247</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-230"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-6981-7" continuedAt="f-6981-8"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i10bcda0f0bc34fe6a2b866d48d971ea4"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">e) Other comprehensive income -Items that may be reclassified to profit or loss - Hedging derivatives &#8211; Cash flow hedges (Effective portion)</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:130%">Other comprehensive income &#8211; Items that may be reclassified to profit or loss - Cash flow hedges includes the gains or losses attributable to hedging instruments that qualify as effective hedges. These amounts will remain under this heading until they are recognised in the consolidated income statement in the periods in which the hedged items affect it.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:6pt;margin-top:9pt;padding-right:263.62pt"><span id="i23701e5b6856478e9bf19acfff93b2ca"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">f) Other comprehensive income - Items that may be reclassified to profit or loss &#8211; Changes in the fair value of debt instruments measured at fair value with changes in other comprehensive income</span></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Includes the net amount of unrealised changes in the fair value of assets classified as Changes in the fair value of debt instruments measured at fair value with changes in other comprehensive income (see note 7).</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfOtherComprehensiveIncomeByInstrumentAndGeographicOriginThatMayBeReclassifiedToProfitOrLossTableTextBlock" id="f-7344" continuedAt="f-7344-1" escape="true"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The breakdown, by type of instrument and geographical origin of the issuer, of 'Other comprehensive income &#8211; Items that may be reclassified to profit or loss - Changes in the fair value of debt instruments measured at fair value with changes in other comprehensive income' at 31 December 2025, 2024 and 2023 is as follows:</span></div><div style="margin-bottom:3pt;margin-top:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"/><td style="width:35.398%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.775%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.775%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.775%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.777%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Revaluation gains</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Revaluation losses</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net revaluation gains/ (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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name="ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7347">118</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2955" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7348">10,142</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span 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Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2956" decimals="-6" name="san:ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" scale="6" id="f-7350">36</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2956" decimals="-6" name="ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7351">173</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7356">31,685</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Issued by Private-sector</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span 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scale="6" id="f-7364">6,445</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">America and rest of the world</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2960" decimals="-6" name="san:ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" scale="6" id="f-7365">40</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2960" decimals="-6" name="san:ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" scale="6" id="f-7366">273</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2960" decimals="-6" sign="-" name="ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7367">233</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2960" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7368">5,458</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt 0 7.75pt"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2961" decimals="-6" name="san:ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" scale="6" id="f-7369">533</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2961" decimals="-6" name="san:ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" scale="6" id="f-7370">905</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2961" decimals="-6" sign="-" name="ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7371">372</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2961" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7372">72,331</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">248</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-231"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-7344-1"><ix:continuation id="f-6981-8" continuedAt="f-6981-9"><div style="margin-bottom:9pt;margin-top:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"/><td style="width:35.804%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.673%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.673%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.673%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.677%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Revaluation gains</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Revaluation losses</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net revaluation gains/ (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"/><td style="width:35.804%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.673%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.673%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.673%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.677%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Revaluation gains</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Revaluation losses</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net revaluation gains/ (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-6981-9"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The Group estimates the expected losses on debt instruments measured at fair value with changes in other comprehensive income. These losses are recorded with a charge to the consolidated income statement for the period.</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:130%">At the end of the year 2025, the Group recorded a provision of EUR <ix:nonFraction unitRef="eur" contextRef="c-88" decimals="-6" name="ifrs-full:ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9" scale="6" id="f-7429">29</ix:nonFraction> million under the heading 'Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss'. In 2024, the Group did not record any provision in this regard and at the end of the year 2023, the Group recorded EUR <ix:nonFraction unitRef="eur" contextRef="c-90" decimals="-6" name="ifrs-full:ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9" scale="6" id="f-7430">24</ix:nonFraction> million.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i9db315e67156459588dfd4ccaa24501a"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">g) Other comprehensive income - Items that may be reclassified to profit or loss and Items not reclassified to profit or loss - Other recognised income and expense of investments in subsidiaries, joint ventures and associates</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:130%">At 31 December 2025, the heading includes a negative amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-2976" decimals="-6" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" scale="6" id="f-7431">394</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-2977" decimals="-6" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" scale="6" id="f-7432">428</ix:nonFraction>&#160;million and EUR <ix:nonFraction unitRef="eur" contextRef="c-2978" decimals="-6" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" scale="6" id="f-7433">318</ix:nonFraction>&#160;million in 2024 and 2023, respectively). Of the variation in the balance of said years, a gain of EUR <ix:nonFraction unitRef="eur" contextRef="c-2979" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationNetOfTax" scale="6" id="f-7434">17</ix:nonFraction>&#160;million, EUR <ix:nonFraction unitRef="eur" contextRef="c-2980" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationNetOfTax" scale="6" id="f-7435">45</ix:nonFraction>&#160;million EUR <ix:nonFraction unitRef="eur" contextRef="c-2981" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationNetOfTax" scale="6" id="f-7436">44</ix:nonFraction>&#160;million and has been transferred to results in the years 2025, 2024 and 2023, respectively.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1033"></div><div style="margin-bottom:6pt"><span id="ia47f2358f7044953a2df1fab9c5a0cd4"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">30. <ix:nonNumeric contextRef="c-1" name="san:DisclosureOfShareholdersEquityTextBlock" id="f-7437" continuedAt="f-7437-1" escape="true">Shareholders' equity</ix:nonNumeric></span></div><ix:continuation id="f-7437-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in Shareholders' equity are presented in the consolidated statement of changes in total equity. Significant information on certain items of Shareholders' equity and the changes during the year are set forth below.</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1036"></div><div style="margin-bottom:6pt;margin-top:18pt"><span id="i6e8c1dd30944485eaeacc6f6963e10ef"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">31. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfIssuedCapitalExplanatory" id="f-7438" continuedAt="f-7438-1" escape="true">Issued capital</ix:nonNumeric></span></div><ix:continuation id="f-7438-1" continuedAt="f-7438-2"><div style="margin-bottom:6pt;margin-top:9pt"><span id="iac504a2974224a0bbd9b97675ddc1492"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Changes</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:130%">At 31 December 2022, Banco Santander's share capital consisted of EUR <ix:nonFraction unitRef="eur" contextRef="c-241" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="f-7439">8,397</ix:nonFraction>&#160;million, represented by <ix:nonFraction unitRef="shares" contextRef="c-241" decimals="0" name="ifrs-full:NumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-7440">16,794,401,584</ix:nonFraction> shares of EUR <ix:nonFraction unitRef="eurPerShare" contextRef="c-241" decimals="2" name="ifrs-full:ParValuePerShare" scale="0" id="f-7441">0.50</ix:nonFraction> of nominal value each and all of them of a unique class and series.</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:130%">On 21 March 2023, there was a capital reduction amounting EUR <ix:nonFraction unitRef="eur" contextRef="c-2982" decimals="INF" name="ifrs-full:ReductionOfIssuedCapital" format="ixt:num-dot-decimal" scale="0" id="f-7442">170,203,286</ix:nonFraction> through the redemption of <ix:nonFraction unitRef="shares" contextRef="c-2982" decimals="0" name="san:RedemptionOfTreasurySharesShares" format="ixt:num-dot-decimal" scale="0" id="f-7443">340,406,572</ix:nonFraction> shares, corresponding to the share buyback programme carried out in 2022 and ended in January 2023. </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:130%">Likewise, on 30 June 2023, there was a capital reduction of EUR <ix:nonFraction unitRef="eur" contextRef="c-2983" decimals="INF" name="ifrs-full:ReductionOfIssuedCapital" format="ixt:num-dot-decimal" scale="0" id="f-7444">134,924,476.50</ix:nonFraction> through the redemption of <ix:nonFraction unitRef="shares" contextRef="c-2983" decimals="0" name="san:RedemptionOfTreasurySharesShares" format="ixt:num-dot-decimal" scale="0" id="f-7445">269,848,953</ix:nonFraction> shares, corresponding to the share buyback programme during the first half of 2023.</span></div></ix:continuation></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">249</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-232"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><ix:continuation id="f-7438-2" continuedAt="f-7438-3"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Therefore, Banco Santander's share capital at 31 December 2023 consisted of EUR <ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="f-7446">8,092</ix:nonFraction>&#160;million, represented by <ix:nonFraction unitRef="shares" contextRef="c-4" decimals="0" name="ifrs-full:NumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-7447">16,184,146,059</ix:nonFraction> shares of EUR <ix:nonFraction unitRef="eurPerShare" contextRef="c-4" decimals="2" name="ifrs-full:ParValuePerShare" scale="0" id="f-7448">0.50</ix:nonFraction> of nominal value each and all of them of a unique class and series; including <ix:nonFraction unitRef="shares" contextRef="c-2984" decimals="0" name="san:PurchaseOfTreasurySharesNumberOfShares" format="ixt:num-dot-decimal" scale="0" id="f-7449">286,842,316</ix:nonFraction> shares corresponding to the first buyback programme of 2023 (see note 1.g.).</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:130%">On 5 February 2024, a capital reduction of EUR<ix:nonFraction unitRef="eur" contextRef="c-2985" decimals="INF" name="ifrs-full:ReductionOfIssuedCapital" format="ixt:num-dot-decimal" scale="0" id="f-7450">179,283,743.50</ix:nonFraction> took place through the redemption of <ix:nonFraction unitRef="shares" contextRef="c-2985" decimals="0" name="san:RedemptionOfTreasurySharesShares" format="ixt:num-dot-decimal" scale="0" id="f-7451">358,567,487</ix:nonFraction> shares, corresponding to the share buyback programme carried out in 2023 and ended in January 2024.</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:130%">On 1 July 2024, a capital reduction of EUR <ix:nonFraction unitRef="eur" contextRef="c-2986" decimals="INF" name="ifrs-full:ReductionOfIssuedCapital" format="ixt:num-dot-decimal" scale="0" id="f-7452">165,652,500</ix:nonFraction> took place through the redemption of <ix:nonFraction unitRef="shares" contextRef="c-2986" decimals="0" name="san:RedemptionOfTreasurySharesShares" format="ixt:num-dot-decimal" scale="0" id="f-7453">331,305,000</ix:nonFraction> shares, corresponding to he share buyback programme carried out between February and June 2024.</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:130%">On 20 December 2024, a capital reduction of EUR <ix:nonFraction unitRef="eur" contextRef="c-2987" decimals="INF" name="ifrs-full:ReductionOfIssuedCapital" format="ixt:num-dot-decimal" scale="0" id="f-7454">170,890,625</ix:nonFraction>  took place through the redemption of <ix:nonFraction unitRef="shares" contextRef="c-2987" decimals="0" name="san:RedemptionOfTreasurySharesShares" format="ixt:num-dot-decimal" scale="0" id="f-7455">341,781,250</ix:nonFraction> shares, corresponding to he share buyback programme carried out during the second semester of 2024.</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:130%">Therefore, Banco Santander's share capital at 31 December 2024 consisted of EUR <ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="f-7456">7,576</ix:nonFraction> million, represented by <ix:nonFraction unitRef="shares" contextRef="c-3" decimals="0" name="ifrs-full:NumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-7457">15,152,492,322</ix:nonFraction> shares of EUR <ix:nonFraction unitRef="eurPerShare" contextRef="c-3" decimals="2" name="ifrs-full:ParValuePerShare" scale="0" id="f-7458">0.50</ix:nonFraction> of nominal value each and all of them of a unique class and series.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 3 June 2025, there was a capital reduction amounting to EUR <ix:nonFraction unitRef="eur" contextRef="c-2988" decimals="INF" name="ifrs-full:ReductionOfIssuedCapital" format="ixt:num-dot-decimal" scale="0" id="f-7459">133,583,475</ix:nonFraction> through the redemption of <ix:nonFraction unitRef="shares" contextRef="c-2988" decimals="0" name="san:RedemptionOfTreasurySharesShares" format="ixt:num-dot-decimal" scale="0" id="f-7460">267,166,950</ix:nonFraction> shares, corresponding to the share buyback programme carried out between February and June 2025.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 23 December 2025, a capital reduction of EUR </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"><ix:nonFraction unitRef="eur" contextRef="c-2989" decimals="INF" name="ifrs-full:ReductionOfIssuedCapital" format="ixt:num-dot-decimal" scale="0" id="f-7461">98,002,935</ix:nonFraction> took place through the redemption of <ix:nonFraction unitRef="shares" contextRef="c-2989" decimals="0" name="san:RedemptionOfTreasurySharesShares" format="ixt:num-dot-decimal" scale="0" id="f-7462">196,005,870</ix:nonFraction> shares, corresponding to the share buyback programme carried out during the second semester of 2025. </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:130%">Aforementioned operations have not entailed the return of contributions to the shareholders as Banco Santander was the owner of the redeemed shares.</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:130%">Therefore, Banco Santander's share capital at 31 December 2025 consisted of EUR <ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="f-7463">7,345</ix:nonFraction>&#160;million, represented by <ix:nonFraction unitRef="shares" contextRef="c-2" decimals="0" name="ifrs-full:NumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-7464">14,689,319,502</ix:nonFraction> shares of EUR <ix:nonFraction unitRef="eurPerShare" contextRef="c-2" decimals="2" name="ifrs-full:ParValuePerShare" scale="0" id="f-7465">0.50</ix:nonFraction> of nominal value each and all of them of a unique class and series.</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:130%">Banco Santander&#8217;s shares are listed on the Spanish Stock Market Interconnection System and on the New York, London, Mexico and Warsaw Stock Exchanges, and all of them have the same features and rights. Santander shares are listed on the London Stock Exchange under Crest Depository Interest (CDI), each CDI representing <ix:nonFraction unitRef="shares" contextRef="c-2" decimals="INF" name="san:CrestDepositaryInterestShareEquivalent" format="ixt-sec:numwordsen" scale="0" id="f-7466">one</ix:nonFraction> Bank&#8217;s share. They are also listed on the New York Stock Exchange under American Depositary Shares (ADS), each ADS representing <ix:nonFraction unitRef="shares" contextRef="c-2" decimals="INF" name="san:AmericanDepositaryReceiptShareEquivalent" format="ixt-sec:numwordsen" scale="0" id="f-7467">one</ix:nonFraction> share. Additionally, Banco Santander's shares were listed on the traditional listing of the Mexican Stock Exchange (BMV) and since 29 December 2023, they were listed only in the International Quotation System of said stock exchange.</span></div></div></ix:continuation><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-7438-3"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As of 31 December 2025, no Banco Santander shareholder individually held more than <ix:nonFraction unitRef="number" contextRef="c-2" decimals="2" name="san:PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold" scale="-2" id="f-7468">3</ix:nonFraction>% of its total share capital (which is the threshold generally provided for in Spanish regulations for mandatory notification of a significant participation in a listed company). Even though at 31 December 2025, certain custodians appeared in our shareholder registry as holding more than <ix:nonFraction unitRef="number" contextRef="c-2" decimals="2" name="san:PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold" scale="-2" id="f-7469">3</ix:nonFraction>% of our share capital, we understand that those shares were held in custody on behalf of other investors, none of whom exceeded that threshold individually. These custodians were </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">State Street Bank (<ix:nonFraction unitRef="number" contextRef="c-2990" decimals="4" name="san:PercentageOfEquityInterestsHeldBySignificantShareholders" scale="-2" id="f-7470">13.90</ix:nonFraction>%),  Chase Nominees Limited (<ix:nonFraction unitRef="number" contextRef="c-2991" decimals="4" name="san:PercentageOfEquityInterestsHeldBySignificantShareholders" scale="-2" id="f-7471">7.50</ix:nonFraction>%), The Bank of New York Mellon Corporation (<ix:nonFraction unitRef="number" contextRef="c-2992" decimals="4" name="san:PercentageOfEquityInterestsHeldBySignificantShareholders" scale="-2" id="f-7472">7.18</ix:nonFraction>%),Citibank (<ix:nonFraction unitRef="number" contextRef="c-2993" decimals="4" name="san:PercentageOfEquityInterestsHeldBySignificantShareholders" scale="-2" id="f-7473">6.40</ix:nonFraction>%), BNP Paribas (<ix:nonFraction unitRef="number" contextRef="c-2994" decimals="4" name="san:PercentageOfEquityInterestsHeldBySignificantShareholders" scale="-2" id="f-7474">3.74</ix:nonFraction>%), Caceis Bank (<ix:nonFraction unitRef="number" contextRef="c-2995" decimals="4" name="san:PercentageOfEquityInterestsHeldBySignificantShareholders" scale="-2" id="f-7475">3.57</ix:nonFraction>%) y The Northern Trust (<ix:nonFraction unitRef="number" contextRef="c-2996" decimals="4" name="san:PercentageOfEquityInterestsHeldBySignificantShareholders" scale="-2" id="f-7476">3.06</ix:nonFraction>%).</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:130%">At 31 December 2025, neither Banco Santander's shareholder registry nor the CNMV's registry showed any shareholder residing in a non-cooperative jurisdiction with a shareholding equal to, or greater than, <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="san:PercentageOfEquityInterestsHeldByASingleShareholderResidingInTaxHavenMinimumThreshold" scale="-2" id="f-7477">1</ix:nonFraction>% of our share capital (which is the other threshold applicable under Spanish regulations).</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="ia3a2f5dabb7345cb80478f061b04a707"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%">b) Other considerations</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Under Spanish law, only shareholders at the general meeting have the authority to increase share capital. However, they may delegate the authority to approve or execute capital increases to the board of directors. Banco Santander&#180;s Bylaws are fully aligned with Spanish law and do not establish any different conditions for share capital increases.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025 the shares of the following companies were listed on official stock mark</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ets: Banco Santander - Chile; Banco Santander (Brasil) S.A. and Santander Bank Polska S.A. </span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 Decemb</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">er 2025 the number of Banco Santander shares owned by third parties and managed by Group management companies (mainly portfolio, collective investment undertaking and pension fund managers) or jointly managed was <ix:nonFraction unitRef="shares" contextRef="c-2" decimals="-6" name="san:NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies" scale="6" id="f-7478">33</ix:nonFraction> million shares, which represented <ix:nonFraction unitRef="number" contextRef="c-2" decimals="4" name="san:SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital" scale="-2" id="f-7479">0.22</ix:nonFraction>% of Banco Santander&#8217;s share capital (<ix:nonFraction unitRef="shares" contextRef="c-3" decimals="-6" name="san:NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies" scale="6" id="f-7480">40</ix:nonFraction> and <ix:nonFraction unitRef="shares" contextRef="c-4" decimals="-6" name="san:NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies" scale="6" id="f-7481">36</ix:nonFraction>&#160;million shares, representing <ix:nonFraction unitRef="number" contextRef="c-3" decimals="4" name="san:SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital" scale="-2" id="f-7482">0.26</ix:nonFraction>% and <ix:nonFraction unitRef="number" contextRef="c-4" decimals="4" name="san:SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital" scale="-2" id="f-7483">0.22</ix:nonFraction>% of the share capital in 2024 and 2023, respectively). In addition, the number of Banco Santander shares owned by third parties and received as security was <ix:nonFraction unitRef="shares" contextRef="c-2" decimals="-6" name="san:NumberOfSharesOwnedByThirdPartiesReceivedAsSecurity" scale="6" id="f-7484">28</ix:nonFraction>&#160;million shares (equal to <ix:nonFraction unitRef="number" contextRef="c-2" decimals="4" name="san:SharesOwnedByThirdPartiesReceivedAsSecurityAsPercentageOfTotalShareCapital" scale="-2" id="f-7485">0.19</ix:nonFraction>% of the Bank&#8217;s share capital).</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:130%">At 31 December 2025 the capital increases in progress at Group companies and the additional capital authorised by their shareholders at the respective general meetings were not material at Group level (see appendix V)</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1039"></div><div style="margin-bottom:6pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">250</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-233"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:24pt"><span id="ifd4a4d662c27486ca04b4557f335a76d"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">32. <ix:nonNumeric contextRef="c-1" name="san:DisclosureOfSharePremiumTextBlock" id="f-7486" continuedAt="f-7486-1" escape="true">Share premium </ix:nonNumeric></span></div><ix:continuation id="f-7486-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Share premium includes the amount paid up by the Bank&#8217;s shareholders in capital issues in excess of the par value.</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:130%">The Corporate Enterprises Act expressly permits the use of the share premium account balance to increase capital at the entities at which it is recognised and does not establish any specific restrictions as to its use.</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:130%">The change in the balance of share premium corresponds to the capital reductions detailed in note 31.a).</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:130%">The decreased produced in 2023 by an amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="san:IncreaseDecreaseInNetIssuePremium" format="ixt:num-dot-decimal" scale="6" id="f-7487">1,595</ix:nonFraction>&#160;million was the consequence of the difference between the purchase value of the redeemed shares (EUR <ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:RedemptionOfTreasurySharesPurchaseValue" format="ixt:num-dot-decimal" scale="6" id="f-7488">1,900</ix:nonFraction>&#160;million) and the par value of said shares (EUR <ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:RedemptionOfTreasurySharesParValue" scale="6" id="f-7489">305</ix:nonFraction>&#160;million) (see note 4.a and consolidated statements of changes in total equity) as a consequence of the capital decreases described in note 31.a.</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:130%">The decrease produced in 2024 by an amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="san:IncreaseDecreaseInNetIssuePremium" format="ixt:num-dot-decimal" scale="6" id="f-7490">3,778</ix:nonFraction>&#160;million was the consequence of the difference between the purchase value of the redeemed shares (EUR <ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:RedemptionOfTreasurySharesPurchaseValue" format="ixt:num-dot-decimal" scale="6" id="f-7491">4,294</ix:nonFraction>&#160;million) and the par value of said shares (EUR <ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:RedemptionOfTreasurySharesParValue" scale="6" id="f-7492">516</ix:nonFraction>&#160;million) (see note 4.a and consolidated statements of changes in total equity) as a consequence of the capital decreases described in note 31.a.</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:130%">The decrease produced in 2025 by an amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="san:IncreaseDecreaseInNetIssuePremium" format="ixt:num-dot-decimal" scale="6" id="f-7493">3,055</ix:nonFraction>&#160;million has been the consequence of the difference between the purchase value of the redeemed shares (EUR <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:RedemptionOfTreasurySharesPurchaseValue" format="ixt:num-dot-decimal" scale="6" id="f-7494">3,287</ix:nonFraction>&#160;million) and the par value of said shares (EUR <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:RedemptionOfTreasurySharesParValue" scale="6" id="f-7495">231</ix:nonFraction>&#160;million) (see note 4.a and consolidated statements of changes in total equity) as a consequence of the capital decreases described in note 31.a.</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:130%">Likewise, in accordance with the applicable legislation, a reserve has been provided in 2024 for amortized capital charged to the issue premium for an amount equal to the nominal value of said amortized shares ascending to EUR <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:RedemptionOfTreasurySharesParValue" scale="6" id="f-7496">231</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:RedemptionOfTreasurySharesParValue" scale="6" id="f-7497">516</ix:nonFraction>&#160;million and EUR <ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:RedemptionOfTreasurySharesParValue" scale="6" id="f-7498">305</ix:nonFraction>&#160;million euros in 2024 and 2023 respectively).</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1042"></div><div style="margin-bottom:6pt;margin-top:24pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt"><span id="iaad388735ddb4206b0725a9de33f9810"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">33. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory" id="f-7499" continuedAt="f-7499-1" escape="true">Accumulated retained earnings</ix:nonNumeric></span></div><ix:continuation id="f-7499-1" continuedAt="f-7499-2"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i34e39ce33f96485cbf92b34b3ece5150"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Definitions</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:130%">The balance of 'Equity - Accumulated gains and Other reserves' includes the net amount of the accumulated results (profits or losses) recognised in previous years through the consolidated income statement which in the profit distribution were allocated in equity, the expenses of own equity instrument issues, the differences between the amount for which the treasury shares are sold and their acquisition price, as well as the net amount of the results accumulated in previous years, generated by the result of non-current assets held for sale, recognised through the consolidated income statement.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i07aa6cf465914b36971439f58caa1d74"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Breakdown</span></div><ix:nonNumeric contextRef="c-1" name="san:ScheduleOfAccumulatedRetainedEarningsAndReservesOfEntitiesAccountedForUsingEquityMethodTableTextBlock" id="f-7500" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Accumulated retained earnings and Reserves of entities accounted for using the equity method is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:59.085%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.173%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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unitRef="eur" contextRef="c-2976" decimals="-6" name="san:UnrestrictedReserves" format="ixt:num-dot-decimal" scale="6" id="f-7516">31,519</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2977" decimals="-6" name="san:UnrestrictedReserves" format="ixt:num-dot-decimal" scale="6" id="f-7517">24,186</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt 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contextRef="c-2977" decimals="-6" name="san:ReservesOfSubsidiaries" format="ixt:num-dot-decimal" scale="6" id="f-7526">47,249</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2978" decimals="-6" name="san:ReservesOfSubsidiaries" format="ixt:num-dot-decimal" scale="6" id="f-7527">47,669</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Reserves of entities accounted for using the equity method</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2976" decimals="-6" name="san:ReserveForEquityMethodInvestments" format="ixt:num-dot-decimal" scale="6" id="f-7528">1,643</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2977" decimals="-6" name="san:ReserveForEquityMethodInvestments" format="ixt:num-dot-decimal" scale="6" id="f-7529">1,831</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2978" decimals="-6" name="san:ReserveForEquityMethodInvestments" format="ixt:num-dot-decimal" scale="6" id="f-7530">1,762</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2976" decimals="-6" name="san:RetainedEarningsAndOtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-7531">84,427</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2977" decimals="-6" name="san:RetainedEarningsAndOtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-7532">76,350</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2978" decimals="-6" name="san:RetainedEarningsAndOtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-7533">68,363</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">The board of directors has proposed to the general shareholders' meeting the reclassification of the excess that the amount of the balance of the legal reserve account shows over the figure that is equivalent to <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="san:PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve" scale="-2" id="f-7534">20</ix:nonFraction>% of the resulting share capital after the executed capital reductions, to be included in the voluntary reserves account.</span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">In accordance with the commercial regulations in force in Spain.</span></div></ix:nonNumeric><div style="margin-bottom:3pt;margin-top:9pt"><span id="i71c890b1f4af45c396490cfb14b49481"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Legal reserve</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:130%">Under the Consolidated Spanish Corporate Enterprises Act, <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="san:PercentageOfAnnualNetProfitRequiredToBeTransferredToLegalReserve" scale="-2" id="f-7535">10</ix:nonFraction>% of net profit for each year must be transferred to the legal reserve. These transfers must be made until the balance of this reserve reaches <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="san:PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve" scale="-2" id="f-7536">20</ix:nonFraction>% of the share capital. The legal reserve can be used to increase capital provided that the remaining reserve balance does not fall below <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="san:MinimumPercentageOfIncreasedShareCapitalRequiredToBeMaintainedInLegalReserve" scale="-2" id="f-7537">10</ix:nonFraction>% of the increased share capital amount.</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:130%">Consequently, once again, after the capital reductions described in note&#160;31 had been carried out, the balance of the legal reserve met the percentage of <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="san:PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve" scale="-2" id="f-7538">20</ix:nonFraction>% of the share capital, and at 31 December 2025 the Legal reserve was at the stipulated level.</span></div></ix:continuation></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">251</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-234"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-7499-2"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i3e9aaa13ad174c338526d04757b2ff5b"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Reserve for treasury shares</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:130%">According to the Corporate Enterprises Act, an unavailable reserve equivalent to the amount for which Banco Santander's shares owned by subsidiaries are recorded. This reservation shall be freely available when the circumstances which have obliged its constitution disappear. In addition, this reserve covers the outstanding balance of loans granted by the Group with Banco Santander's share guarantee and the amount equivalent to the credits granted by the Group companies to third parties for the acquisition of own shares.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ibc59a56bf00345eea8d605036a7517c6"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Revaluation reserve Royal Decree Law 7/1996, of 7 June</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:130%">The balance of Revaluation reserve Royal Decree-Law 7/1996 can be used, free of tax, to increase share capital. From 1 January 2007, the balance of this account can be taken to unrestricted reserves, provided that the monetary surplus has been realised. The surplus will be deemed to have been realised in respect of the portion on which depreciation has been taken for accounting purposes or when the revalued assets have been transferred or derecognised.</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:130%">If the balance of this reserve were used in a manner other than that provided for in Royal Decree law 7/1996, of 7 June, it would be subject to taxation.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i8a9872393c0242df877077b6b69f5cae"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iv. Reserves of subsidiaries</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfReservesOfSubsidiariesTableTextBlock" id="f-7539" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by company, of Reserves of subsidiaries, based on the companies&#8217; contribution to the Group (considering the effect of consolidation adjustments) 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:93.007%"><tr><td style="width:1.0%"/><td style="width:56.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.138%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.138%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.140%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Banco Santander (Brasil) S.A. (Consolidated Group)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2692" decimals="-6" name="san:ReservesOfSubsidiaries" format="ixt:num-dot-decimal" scale="6" id="f-7540">16,085</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2831" decimals="-6" name="san:ReservesOfSubsidiaries" format="ixt:num-dot-decimal" scale="6" 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2999" decimals="-6" name="san:ReservesOfSubsidiaries" format="ixt:num-dot-decimal" scale="6" id="f-7545">8,700</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico</span></td><td 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3002" decimals="-6" name="san:ReservesOfSubsidiaries" format="ixt:num-dot-decimal" scale="6" id="f-7548">5,684</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Consumer Finance Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 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Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:ReservesOfSubsidiariesRestricted" format="ixt:num-dot-decimal" scale="6" id="f-7582">4,722</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:ReservesOfSubsidiariesRestricted" format="ixt:num-dot-decimal" scale="6" id="f-7583">4,175</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid 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style="margin-bottom:6pt;margin-top:24pt"><span id="i8bfa50cb9a1f4b15bbaceaf179588ebb"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">34. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfTreasurySharesExplanatory" id="f-7585" continuedAt="f-7585-1" escape="true">Other equity instruments and own shares</ix:nonNumeric></span></div><ix:continuation id="f-7585-1"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i07893f48e8bd4f9593b71f8289482c3b"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Equity instruments issued not capital and other equity instruments</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:130%">Other equity instruments includes the equity component of compound financial instruments, the increase in equity due to personnel remuneration, and other items not recognised in other 'Shareholders&#8217; equity' items.</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:130%">On 8 September 2017, Banco Santander, S.A. issued contingent redeemable perpetual bonds (the fidelity bonds) amounting to EUR <ix:nonFraction unitRef="eur" contextRef="c-3027" decimals="-6" name="san:NominalValueOfEquityComponentOfConvertibleInstruments" scale="6" id="f-7586">981</ix:nonFraction> million nominal value EUR - <ix:nonFraction unitRef="eur" contextRef="c-3027" decimals="-6" name="ifrs-full:ReserveOfEquityComponentOfConvertibleInstruments" scale="6" id="f-7587">686</ix:nonFraction> million fair value -. </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:130%">On 15 December 2024, Banco Santander, S.A., proceeded to redeem in advance voluntarily all of said bonds in circulation.</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:130%">Additionally, at 31 December 2025 the Group had other equity instruments amounting to EUR <ix:nonFraction unitRef="eur" contextRef="c-130" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-7588">273</ix:nonFraction> million.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="ia68a329a6def4d62914fb2317c5b0145"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%">b) Own shares </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">'</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Shareholders&#8217; equity&#160;- Own shares' includes the amount of own equity instruments held by all the Group entities.</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:130%">Transactions involving own equity instruments, including their issuance and cancellation, are recognised directly in equity, and no profit or loss may be recognised on these transactions. The costs of any transaction involving own equity instruments are deducted directly from equity, net of any related tax effect.</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:130%">At 31 December 2023, the number of treasury shares held by the Group was <ix:nonFraction unitRef="shares" contextRef="c-194" decimals="0" name="ifrs-full:NumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-7589">297,815,673</ix:nonFraction> (<ix:nonFraction unitRef="number" contextRef="c-4" decimals="4" name="san:TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital" scale="-2" id="f-7590">1.84</ix:nonFraction>% of the issued share capital).</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:130%">During 2024, <ix:nonFraction unitRef="shares" contextRef="c-86" decimals="0" name="san:PurchaseOfTreasurySharesNumberOfShares" format="ixt:num-dot-decimal" scale="0" id="f-7591">930,610,636</ix:nonFraction> shares of the Bank were acquired at an average price of EUR <ix:nonFraction unitRef="eurPerShare" contextRef="c-86" decimals="2" name="san:WeightedAverageSharePurchasePrice" scale="0" id="f-7592">4.34</ix:nonFraction> per share, of which <ix:nonFraction unitRef="shares" contextRef="c-3028" decimals="0" name="san:PurchaseOfTreasurySharesNumberOfShares" format="ixt:num-dot-decimal" scale="0" id="f-7593">403,030,171</ix:nonFraction> relate to the Share Buyback Programme carried out during the first half of 2025, and <ix:nonFraction unitRef="shares" contextRef="c-3029" decimals="0" name="san:PurchaseOfTreasurySharesNumberOfShares" format="ixt:num-dot-decimal" scale="0" id="f-7594">341,781,250</ix:nonFraction> relate to the Share Buyback Programme started in September. Likewise, <ix:nonFraction unitRef="shares" contextRef="c-86" decimals="0" name="san:TreasurySharesNumberOfSharesAmortized" format="ixt:num-dot-decimal" scale="0" id="f-7595">1,031,653,737</ix:nonFraction> shares were amortised (note 31) and <ix:nonFraction unitRef="shares" contextRef="c-86" decimals="0" name="san:TreasurySharesNumberOfSharesTransferred" format="ixt:num-dot-decimal" scale="0" id="f-7596">181,243,113</ix:nonFraction> shares at an average price of EUR <ix:nonFraction unitRef="eurPerShare" contextRef="c-86" decimals="2" name="san:WeightedAverageShareSellingPrice" scale="0" id="f-7597">4.22</ix:nonFraction> per share were transferred, of which <ix:nonFraction unitRef="shares" contextRef="c-86" decimals="0" name="san:TreasurySharesNumberOfSharesTransferredThroughDonations" format="ixt:num-dot-decimal" scale="0" id="f-7598">22,167,105</ix:nonFraction> shares correspond to the donation made by Banco Santander to Fundaci&#243;n Banco Santander with extraordinary character.</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:130%">At 31 December 2024, the number of treasury shares held by the Group was <ix:nonFraction unitRef="shares" contextRef="c-145" decimals="0" name="ifrs-full:NumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-7599">15,529,459</ix:nonFraction> (<ix:nonFraction unitRef="number" contextRef="c-3" decimals="5" name="san:TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital" scale="-2" id="f-7600">0.102</ix:nonFraction>% of the issued share capital).</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:130%">During 2025, <ix:nonFraction unitRef="shares" contextRef="c-1" decimals="0" name="san:PurchaseOfTreasurySharesNumberOfShares" format="ixt:num-dot-decimal" scale="0" id="f-7601">584,363,745</ix:nonFraction> shares of the Bank have been acquired at an average price of EUR <ix:nonFraction unitRef="eurPerShare" contextRef="c-1" decimals="2" name="san:WeightedAverageSharePurchasePrice" scale="0" id="f-7602">6.98</ix:nonFraction> per share, of which <ix:nonFraction unitRef="shares" contextRef="c-3030" decimals="0" name="san:PurchaseOfTreasurySharesNumberOfShares" format="ixt:num-dot-decimal" scale="0" id="f-7603">267,166,950</ix:nonFraction> relate to the Share Buyback Programme carried out during the first half of 2025, and <ix:nonFraction unitRef="shares" contextRef="c-3031" decimals="0" name="san:PurchaseOfTreasurySharesNumberOfShares" format="ixt:num-dot-decimal" scale="0" id="f-7604">196,005,870</ix:nonFraction> relate to the new Share Buyback Programme started in August. Likewise, <ix:nonFraction unitRef="shares" contextRef="c-1" decimals="0" name="san:TreasurySharesNumberOfSharesAmortized" format="ixt:num-dot-decimal" scale="0" id="f-7605">463,172,820</ix:nonFraction> shares have been amortised (note 31) and <ix:nonFraction unitRef="shares" contextRef="c-1" decimals="0" name="san:TreasurySharesNumberOfSharesTransferred" format="ixt:num-dot-decimal" scale="0" id="f-7606">125,643,093</ix:nonFraction> shares at an average price of EUR <ix:nonFraction unitRef="eurPerShare" contextRef="c-1" decimals="2" name="san:WeightedAverageShareSellingPrice" scale="0" id="f-7607">6.48</ix:nonFraction> per share have been transferred.</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:130%">At 31 December 2025, the Group holds <ix:nonFraction unitRef="shares" contextRef="c-160" decimals="0" name="ifrs-full:NumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-7608">11,077,291</ix:nonFraction> shares of the Bank's issued share capital (<ix:nonFraction unitRef="number" contextRef="c-2" decimals="5" name="san:TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital" scale="-2" id="f-7609">0.075</ix:nonFraction>%).</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:130%">The effect on equity, net of tax, arising from the purchase and sale of Bank shares is of EUR <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:NetPurchaseSaleOfTreasuryShares" scale="6" id="f-7610">34</ix:nonFraction> million profit in 2025 (EUR <ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:NetPurchaseSaleOfTreasuryShares" scale="6" id="f-7611">8</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:NetPurchaseSaleOfTreasuryShares" scale="6" id="f-7612">13</ix:nonFraction> million profit in 2024 and 2023, respectively).</span></div></ix:continuation></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">252</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1048"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-235"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:24pt"><span id="i49c5d549e8a745c0b02976b602220b74"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">35. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory" id="f-7613" continuedAt="f-7613-1" escape="true">Memorandum items</ix:nonNumeric></span></div><ix:continuation id="f-7613-1" continuedAt="f-7613-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Memorandum items relates to balances representing rights, obligations and other legal situations that in the future may have an impact on net assets, as well as any other balances needed to reflect all transactions performed by the consolidated entities although they may not impinge on their net assets.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="ibb878bd9cb5f47a29ca8ca79565147d2"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Guarantees and contingent commitments granted</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Contingent liabilities includes all transactions under which an entity guarantees the obligations of a third party and which result from financial guarantees granted by the entity or from other types of contracts. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfContingentLiabilitiesExplanatory" id="f-7614" continuedAt="f-7614-1" escape="true">The detail is as follows:</ix:nonNumeric></span></div><ix:continuation id="f-7614-1"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:51.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.643%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="12" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 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#ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3032" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-7618">345</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3033" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-7619">511</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3034" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-7620">406</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial guarantees granted</span></td><td 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style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3036" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-7625">217</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3037" 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contextRef="c-3052" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-7644">55,910</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The breakdown as at 31 December 2025 of the exposures and the provision fund out of balance sheet by impairment stage is EUR <ix:nonFraction unitRef="eur" contextRef="c-3053" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-7645">464,215</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-3054" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="f-7646">338</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-3055" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-7647">435,147</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-3056" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="f-7648">305</ix:nonFraction> million in 2024 and EUR <ix:nonFraction unitRef="eur" contextRef="c-3057" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-7649">398,243</ix:nonFraction>&#160;million and EUR <ix:nonFraction unitRef="eur" contextRef="c-3058" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="f-7650">302</ix:nonFraction>&#160;million in 2023) in stage 1, EUR <ix:nonFraction unitRef="eur" contextRef="c-3059" decimals="-6" 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contextRef="c-3069" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-7661">1,526</ix:nonFraction>&#160;million and EUR <ix:nonFraction unitRef="eur" contextRef="c-3070" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="f-7662">226</ix:nonFraction>&#160;million in 2023) in stage 3, respectively. </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:130%">Income from guarantee instruments is recognised under 'Fee and commission income' in the consolidated income statements and is calculated by applying the rate established in the related contract to the nominal amount of the guarantee.</span></div><div style="margin-top:9pt"><span id="i54ecbd30bab04d408f71d6a2d88c9190"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:130%">i. Loan commitments granted</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:130%">Loan commitments granted: firm commitments of grating of credit under predefined terms and conditions, except for those that comply with the definition of derivatives as these can be settled in cash or through the delivery of issuance of another financial instrument. They include stand-by credit lines and long-term deposits.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="if1605bc1e2ee44589ffba68e4e7c08a1"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Financial guarantees granted</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:130%">Financial guarantees includes, inter alia, financial guarantee contracts such as financial bank guarantees, credit derivatives sold, and risks arising from derivatives arranged for the account of third parties.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-7613-2"><div style="margin-top:9pt"><span id="if3328503452f4c41b159eda1bb5ab5d3"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:130%">iii. 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Off-balance-sheet funds under management</span></div><ix:nonNumeric contextRef="c-1" name="san:ScheduleOfOffBalanceSheetFundsTableTextBlock" id="f-7663" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of off-balance-sheet funds managed by the Group and by joint ventures 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:99.782%"><tr><td style="width:1.0%"/><td style="width:50.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.951%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Investment funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3071" decimals="-6" name="san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" format="ixt:num-dot-decimal" scale="6" id="f-7664">197,346</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3072" decimals="-6" name="san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" format="ixt:num-dot-decimal" scale="6" id="f-7665">178,840</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3073" decimals="-6" name="san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" format="ixt:num-dot-decimal" scale="6" id="f-7666">165,174</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Pension funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3074" decimals="-6" name="san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" format="ixt:num-dot-decimal" scale="6" id="f-7667">16,112</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3075" decimals="-6" name="san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" format="ixt:num-dot-decimal" scale="6" id="f-7668">15,646</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3076" decimals="-6" name="san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" format="ixt:num-dot-decimal" scale="6" id="f-7669">14,831</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Assets under management</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3077" decimals="-6" name="san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" format="ixt:num-dot-decimal" scale="6" id="f-7670">43,974</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3078" decimals="-6" name="san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" format="ixt:num-dot-decimal" scale="6" id="f-7671">35,999</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3079" decimals="-6" name="san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" format="ixt:num-dot-decimal" scale="6" id="f-7672">29,732</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" format="ixt:num-dot-decimal" scale="6" id="f-7673">257,432</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" format="ixt:num-dot-decimal" scale="6" id="f-7674">230,485</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" format="ixt:num-dot-decimal" scale="6" id="f-7675">209,737</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="margin-bottom:3pt;margin-top:9pt"><span id="ie9bd8571aece404e9634e8a099844da4"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Non-managed marketed funds</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:130%">Additionally, at 31 December 2025 there are non-managed marketed funds totalling EUR <ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:NonManagedMarketedFunds" format="ixt:num-dot-decimal" scale="6" id="f-7676">73,173</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:NonManagedMarketedFunds" format="ixt:num-dot-decimal" scale="6" id="f-7677">62,002</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:NonManagedMarketedFunds" format="ixt:num-dot-decimal" scale="6" id="f-7678">50,036</ix:nonFraction> million at 31 December 2024 and 2023, respectively).</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i3a0cf8afb9184163a012f43b447ba5a3"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%">c) Third-party securities held in custody</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:130%">At 31 December 2025 the Group held in custody debt securities and equity instruments totalling EUR <ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody" format="ixt:num-dot-decimal" scale="6" id="f-7679">306,723</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody" format="ixt:num-dot-decimal" scale="6" id="f-7680">292,216</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody" format="ixt:num-dot-decimal" scale="6" id="f-7681">268,338</ix:nonFraction> million at 31 December 2024 and 2023, respectively) entrusted to it by third parties.</span></div></ix:continuation><div style="margin-bottom:9pt"><span><br/></span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1051"></div><div style="margin-bottom:6pt"><span id="i0092b52811e4463eb0894b953032a246"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">36. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfGeneralHedgeAccountingExplanatory" id="f-7682" continuedAt="f-7682-1" escape="true">Hedging derivatives</ix:nonNumeric></span></div><ix:continuation id="f-7682-1" continuedAt="f-7682-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander, within its financial risk management strategy, and in order to reduce asymmetries in the accounting treatment of its operations, enters into hedging derivatives on interest, exchange rate, credit risk or variation of stock prices, depending on the nature of the risk covered.</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:130%">Based on its objective, Grupo Santander classifies its hedges in the following categories:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Cash flow hedges: cover the exposure to the variation of the cash flows associated with an asset, liability or a highly probable forecast transaction. This cover the variable-rate issues in foreign currencies, fixed-rate issues in non-local currency, variable-rate interbank financing and variable-rate assets (bonds, commercial loans, mortgages, etc.).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Fair value hedges: cover the exposure to the variation in the fair value of assets or liabilities, attributable to an identified and hedged risk. This covers the interest risk of assets or liabilities (bonds, loans, bills, issues, deposits, etc.) with coupons or fixed interest rates, interests in entities, issues in foreign currencies and deposits or other fixed rate liabilities.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Hedging of net investments abroad: cover the exchange rate risk of the investments in subsidiaries domiciled in a country with a different currency from the functional one of the Group.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span></div></ix:continuation></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">253</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-236"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDetailedInformationAboutHedgingInstrumentsExplanatory" id="f-7683" continuedAt="f-7683-1" escape="true"><ix:continuation id="f-7682-2" continuedAt="f-7682-3"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following tables contains the detail of the hedging derivatives according to the type of hedging, the hedge risk and the main products used as of 31 December 2025, 2024 and 2023:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:31.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.644%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Carrying&#160;amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Nominal value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3147" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-7819">136</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span 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0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3149" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-7823">134</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX 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Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3150" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" scale="6" id="f-7826">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3151" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-7827">2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 12.25pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-7828">505,992</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" format="ixt:num-dot-decimal" scale="6" id="f-7829">4,427</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-7830">4,294</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-7831">749</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"/></tr></table></div></ix:continuation></ix:nonNumeric><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">254</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-237"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-7683-1" continuedAt="f-7683-2"><ix:continuation id="f-7682-3" continuedAt="f-7682-4"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:31.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.644%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million </span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Carrying&#160;amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Nominal value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid 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scale="6" id="f-7833">2,584</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3152" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-7834">2,964</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid 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format="ixt:num-dot-decimal" scale="6" id="f-7837">2,070</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3154" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-7838">2,319</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" 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style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3156" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-7842">2,082</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3157" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-7843">156</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3158" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-7844">4,411</ix:nonFraction></span><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3178" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" format="ixt:num-dot-decimal" scale="6" id="f-7885">2,415</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3178" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-7886">1,519</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3179" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-7887">558</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 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1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3180" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" format="ixt:num-dot-decimal" scale="6" id="f-7889">1,060</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3180" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-7890">1,089</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3181" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-7891">144</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Future interest rate</span></td><td colspan="2" 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solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3182" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" format="ixt:fixed-zero" scale="6" id="f-7894">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3183" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-7895">225</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3184" decimals="-6" name="ifrs-full:NotionalAmount" 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contextRef="c-3184" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" scale="6" id="f-7898">478</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3185" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-7899">130</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3186" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-7900">30,653</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3186" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" scale="6" id="f-7901">738</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3186" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" scale="6" id="f-7902">258</ix:nonFraction></span><span style="color:#000000;font-family:'Santander 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id="f-7937">20</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3204" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" format="ixt:fixed-zero" scale="6" id="f-7938">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3205" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-7939">2</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedges of net investments in foreign operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3206" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-7940">23,559</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3206" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" scale="6" id="f-7941">673</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3206" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" scale="6" id="f-7942">269</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3207" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-7943">420</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3208" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-7944">23,559</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3208" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" scale="6" id="f-7945">673</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3208" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" scale="6" id="f-7946">269</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3209" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-7947">420</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3210" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-7948">23,559</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3210" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" scale="6" id="f-7949">673</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3210" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" scale="6" id="f-7950">269</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3211" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-7951">420</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-7952">511,727</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" format="ixt:num-dot-decimal" scale="6" id="f-7953">5,672</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-7954">4,752</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-7955">1,461</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">255</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-238"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-7683-2"><ix:continuation id="f-7682-4" continuedAt="f-7682-5"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.652%"><tr><td style="width:1.0%"/><td style="width:29.960%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.839%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.839%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.839%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.960%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.963%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Carrying&#160;amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance&#160;sheet&#160;line&#160;items</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3212" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-7956">241,792</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid 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contextRef="c-3212" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-7958">4,231</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3213" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-7959">1,869</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3242" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8016">20,043</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3242" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" scale="6" id="f-8017">446</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid 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name="ifrs-full:HedgingInstrumentAssets" scale="6" id="f-8029">484</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3248" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" scale="6" id="f-8030">119</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3249" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8031">325</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3250" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8032">12,908</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3250" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" scale="6" id="f-8033">155</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid 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id="f-8035">234</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3252" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8036">12,495</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3252" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" scale="6" id="f-8037">153</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3252" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" scale="6" id="f-8038">906</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3253" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8039">240</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3254" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8040">68</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3254" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" scale="6" id="f-8041">22</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3254" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" format="ixt:fixed-zero" scale="6" id="f-8042">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3255" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8043">9</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Option</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3256" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8044">68</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3256" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" scale="6" id="f-8045">22</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3256" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" format="ixt:fixed-zero" scale="6" id="f-8046">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3257" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8047">9</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 7.75pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedges of net investments in foreign operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3258" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8048">18,706</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3258" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" scale="6" id="f-8049">61</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3258" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" scale="6" id="f-8050">536</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3259" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-8051">1,888</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3260" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8052">18,706</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander 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style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3261" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-8055">1,888</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3262" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8056">18,706</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3263" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-8059">1,888</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt 0 7.75pt"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8060">418,294</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" format="ixt:num-dot-decimal" scale="6" id="f-8061">5,297</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8062">7,656</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-8063">1,929</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"/></tr></table></div></ix:continuation></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">256</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-239"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-7682-5" continuedAt="f-7682-6"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Considering the main entities or groups within the Group by the weight of their hedging, the main types of hedging that are being carried out in Santander UK Group Holdings plc group and Banco Santander, S.A.</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:130%">Santander UK Group Holdings plc group enters into fair value and cash flow hedging derivatives depending on the exposure of the underlying. Only designated risks are hedged and therefore other risks, such as credit risk, are managed but not hedged. When contracting derivatives, Santander UK applies the same credit risk management procedures that it uses for ordinary lending activity.</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:130%">Within fair value hedges, Santander UK Group Holdings plc group has portfolios of assets and liabilities at fixed rate that are exposed to changes in fair value due to changes in market interest rates. These positions are managed by contracting mainly interest rate swaps. Effectiveness is assessed by comparing the changes in the fair value of these portfolios generated by the hedged risk with the changes in the fair value of the derivatives contracted.</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:130%">Santander UK Group Holdings plc group also has access to international markets to obtain financing by issuing fixed-rate debt or investing in fixed rate debt of other issuers, in its functional currency and other currencies. As such, they are exposed to changes in interest rates and exchange rates, mainly in EUR and USD. This risk is mitigated with cross currency swaps e interest rate swaps in which they pay a fixed rate and receive a variable rate. Effectiveness is evaluated using linear regression techniques to compare changes in the fair value of the debt at interest and exchange rates with changes in the fair value of interest rate swaps or cross currency swaps.</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:130%">Within the cash flow hedges, Santander UK Group Holdings plc group has portfolios of assets and liabilities at variable rates, normally at SONIA or BoE base rate. To mitigate this market rate variability risk, it contracts interest rate swaps.</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:130%">As Santander UK Group Holdings plc group obtains financing in the international markets, it assumes a significant exposure to currency risk mainly USD and EUR. In addition, it also holds debt securities for liquidity purposes which assume exposure mainly in JPY, CAD and CHF.  To manage this exchange rate risk, Spot, Forward y Cross Currency Swap are contracted to match the cash flow profile and the maturity of the estimated interest and principal repayments of the hedged 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:130%">Effectiveness is assessed by comparing changes in the fair value of the derivatives with changes in the fair value of the hedged item attributable to the hedged risk by applying a hypothetical derivative method using linear regression techniques.</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:130%">It also has inflation risk hedges, which arise from UK bonds linked to UK inflation and are hedged using inflation swaps. </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:130%">Effectiveness is assessed by comparing changes in the fair value of the inflation swap with the changes in the fair value of the hedged item attributable to the hedged risk, applying the hypothetical derivative method using linear regression techniques. </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:130%">In addition, within the hedges that cover equity risk, Santander UK Group Holdings plc group offers employees the opportunity to purchase shares of the Bank at a discount under the Sharesave Scheme, exposing the Bank to share price risk. As such, options are purchased allowing them to purchase shares at a pre-set price. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Banco Santander, S.A. covers the risks of its balance sheet in a variety of ways. On the one hand, documented as fair value hedges, it covers the interest rate and foreign exchange risk of fixed-income portfolios at a fixed rate (REPOs are included in this category). Resulting, in an exposure to changes in their fair value due to variations in market conditions based on the various risks hedged, which has an impact on Banco Santander's income statement. </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:130%">To mitigate these risks, Banco Santander contracts derivatives, mainly Interest Rate Swaps, Cross Currency Swaps, Cap&amp;floors and Forex Forward. </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:130%">On the other hand, the interest and exchange rate risk of loans granted to corporate clients at a fixed rate or variable rate is covered. These hedges, are carried out through interest rate swaps, cross currency swaps and exchange rate derivatives (forex swaps and forex forward).</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:130%">In addition, Banco Santander, S.A. manages the interest and exchange risk of debt issues in its various categories (issuing covered bonds, perpetual, subordinated and senior bond) and in different currencies, denominated at fixed rates, and therefore subject to changes in their fair value. These issues are covered through interest rate swaps and cross currency swaps.</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:130%">The methodology used by Banco Santander, S.A. to measure the effectiveness of fair value hedges is based on comparing the market values of the hedged items (based on the objective risk of the hedge) and of the hedging instruments in order to analyse whether the changes in the market value of the hedged items are offset by the market value of the hedging instruments, thereby mitigating the hedged risk and minimizing volatility in the income statement. </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:130%">Prospectively, the same analysis is performed, measuring the theoretical market values in the event of parallel variations in the market curves of a positive basis point.</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:130%">There is a macro hedge of structured loans in which the interest rate risk of fixed-rate loans (mortgage, personal or with other guarantees) granted to legal entities in commercial or corporate banking and wealth clients in the medium-long term is hedged. This hedge is instrumented as a macro hedge of fair value, the main hedging instruments being Interest Rate Swap and Cap&amp;floors. In case of total or partial cancellation or early repayment, the customer is obliged to pay/receive the cost/income of the cancellation of the interest rate risk hedge managed by the Bank.</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:130%">Regarding cash flow hedges, the objective is to hedge the cash flow exposure to changes in interest rates and exchange rates.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">257</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-240"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-7682-6" continuedAt="f-7682-7"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For retrospective purposes, the hypothetical derivative methodology is used to measure effectiveness. By means of this methodology, the hedged risk is modelled as a derivative instrument -not real-, created exclusively for the purpose of measuring the effectiveness of the hedge, and which must comply with the fact that its main characteristics coincide with the critical terms of the hedged item throughout the period for which the hedging relationship is designated. This hypothetical derivative does not incorporate characteristics that are exclusive to the hedging instrument. Additionally, it is worth mentioning that any risk component not associated with the hedged objective risk and effectively documented at the beginning of the hedge is excluded for the purpose of calculating the effectiveness. The market value of the hypothetical derivative that replicates the hedged item is compared with the market value of the hedging instrument, verifying that the hedged risk is effectively mitigated and that the impact on the income statement due to potential ineffectiveness is residual.</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:130%">Prospectively, the variations in the market values of the hedging instrument and the hedged item (represented by the hypothetical derivative) are measured in the event of parallel shifts of a positive basis point in the affected market curves.</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:130%">There is another macro-hedge, this time of cash flows, the purpose of which is to actively manage the risk-free interest rate risk (excluding credit risk) of a portion of the floating rate assets of Banco Santander, S.A., through the arrangement of interest rate derivatives whereby the bank exchanges floating rate interest flows for others at a fixed rate agreed at the time the transactions are arranged. The items affected by the Macro-hedging have been designated as those in which their cash flows are exposed to interest rate risk, specifically the floating rate mortgages of the Banco Santander, S.A. network referenced to Euribor 12 Months or Euribor Mortgage, with annual renewal of rates, classified as sound risk and which do not have a contractual floor (or, if not, this floor is not activated). The hedged position affecting the Macro Cash Flow Hedge at the present time is near to EUR <ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:MacroCashFlowsHedgeHedgedPosition" format="ixt:num-dot-decimal" scale="6" id="f-8064">5,000</ix:nonFraction>&#160;million. </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:130%">Regarding net foreign investments hedges, basically, they are allocated in Banco Santander, S.A. and Santander Consumer Finance Group. Grupo Santander assumes as a priority risk management objective to minimize -to the limit determined by the Group's Financial Management- the impact on the calculation of the capital ratio of its permanent investments included within the Group's consolidation perimeter, and whose shares or equity interests are legally denominated in a currency other than that of the Group's parent company. For this purpose, financial instruments (generally derivatives) are contracted to hedge the impact on the capital ratio of changes in forward exchange rates.  Grupo Santander mainly hedges the risk for the following currencies: BRL, CLP, MXN, CAD, COP, CNY, GBP, CHF, NOK, USD, PLN, UYU and PEN. The instruments used to hedge the risk of these investments are forex swaps, forex forward and spot currency purchases/sales.</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:130%">For this type of hedges, ineffectiveness scenarios are considered to be of low probability, given that the hedging instrument is designated considering the position determined and the spot rate at which the position is located.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">258</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-241"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfInformationAboutTermsAndConditionsOfHedgingInstrumentsAndHowTheyAffectFutureCashFlowsExplanatory" id="f-8065" continuedAt="f-8065-1" escape="true"><ix:continuation id="f-7682-7" continuedAt="f-7682-8"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table sets out the maturity profile of the hedging instruments used in Grupo Santander non-dynamic hedging strategies:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:34.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.124%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">&#160;</span></div></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up&#160;to&#160;one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;to&#160;three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three&#160;months&#160;to one year</span></td><td colspan="3" style="border-top:0.5pt solid 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name="ifrs-full:NotionalAmount" scale="6" id="f-8115">54</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3306" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8116">218</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" 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unitRef="eur" contextRef="c-3142" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8233">64</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Hedges of net investments in foreign operations:</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3404" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8234">2,945</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3408" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8238">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3144" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8239">19,666</ix:nonFraction></span><span style="color:#000000;font-family:'Santander 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unitRef="eur" contextRef="c-3146" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8245">19,666</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3414" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8246">2,893</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3415" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8247">5,218</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3150" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8257">52</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3424" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8258">26,707</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3425" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8259">29,976</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3427" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8261">280,202</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2463" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8262">48,445</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8263">505,992</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:nonNumeric><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">259</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-242"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-8065-1" continuedAt="f-8065-2"><ix:continuation id="f-7682-8" continuedAt="f-7682-9"><div style="margin-bottom:6pt;padding-left:7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:34.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.124%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">&#160;</span></div></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up&#160;to&#160;one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;to&#160;three 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3428" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8264">9,791</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3429" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8265">15,953</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3430" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8266">88,519</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3431" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8267">163,086</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3432" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8268">31,548</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3152" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8269">308,897</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3433" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8270">8,725</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3434" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8271">14,680</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3435" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8272">85,981</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3436" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8273">154,440</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3437" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8274">26,326</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3154" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8275">290,152</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" 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id="f-8278">83,890</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3441" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8279">148,913</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3442" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8280">24,089</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3156" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8281">276,715</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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unitRef="eur" contextRef="c-3444" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8283">717</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3445" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8284">469</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3446" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8285">112</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3447" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8286">2,059</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3158" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8287">4,411</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Fx forward</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3448" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8288">1,054</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3449" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8289">717</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3450" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8290">469</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3451" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8291">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3452" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8292">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3160" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8293">2,240</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3453" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8294">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3454" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8295">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3455" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8296">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3456" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8297">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3457" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8298">2,059</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3162" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8299">2,059</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3458" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8300">12</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3459" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8301">511</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3460" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8302">2,019</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3461" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8303">8,034</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3462" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8304">3,163</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3164" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8305">13,739</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3463" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8306">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3464" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8307">149</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3465" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8308">104</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3466" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8309">1,543</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3467" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8310">924</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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name="ifrs-full:NotionalAmount" scale="6" id="f-8312">12</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3469" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8313">361</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3470" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8314">1,915</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3471" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8315">6,491</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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id="f-8356">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3506" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8357">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3507" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8358">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3182" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8359">6,621</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8361">5,856</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3510" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8362">20,846</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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unitRef="eur" contextRef="c-3513" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8366">2,982</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3514" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8367">1,377</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 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name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8369">14,703</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3517" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8370">2,826</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3531" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8387">3,813</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3532" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8388">1,262</ix:nonFraction></span><span style="color:#000000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3545" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8404">153</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3198" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8407">2,316</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Inflation swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3548" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8408">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3549" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8409">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3550" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8410">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3551" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8411">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3552" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8412">2,163</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3200" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8413">2,163</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 6.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3553" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8414">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid 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name="ifrs-full:NotionalAmount" scale="6" id="f-8416">18</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3556" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8417">55</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3557" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8418">1</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3202" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8419">75</ix:nonFraction></span><span style="color:#000000;font-family:'Santander 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3559" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8421">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3560" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8422">18</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid 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style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3563" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8425">75</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Hedges of net investments in foreign operations:</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3564" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8426">3,918</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3565" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8427">5,644</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3566" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8428">13,997</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3567" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8429">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8431">23,559</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3569" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8432">3,918</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3570" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8433">5,644</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3573" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8436">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3574" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8438">3,918</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3575" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8439">5,644</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3578" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8442">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3210" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8443">23,559</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3579" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8444">33,405</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3580" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8445">31,685</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3581" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8446">145,627</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3582" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8447">257,116</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2464" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8448">43,894</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8449">511,727</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">260</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-243"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-8065-2" continuedAt="f-8065-3"><ix:continuation id="f-7682-9" continuedAt="f-7682-10"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:34.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.124%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">&#160;</span></div></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up&#160;to&#160;one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;to&#160;three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three&#160;months&#160;to one year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span 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unitRef="eur" contextRef="c-3617" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8490">2,142</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3224" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8491">12,084</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 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scale="6" id="f-8546">407</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3664" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8547">1,547</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid 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contextRef="c-3674" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8559">1,467</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3675" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8560">2,270</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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unitRef="eur" contextRef="c-3678" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8564">344</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3679" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8565">656</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3680" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8566">4,182</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3681" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8567">6,296</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3682" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8568">1,430</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3250" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8569">12,908</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3683" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8570">318</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3684" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8571">618</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3685" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8572">3,833</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3686" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8573">6,296</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3687" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8574">1,430</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3252" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8575">12,495</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3688" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8576">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3689" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8577">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3690" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8578">8</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3691" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8579">59</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3692" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8580">1</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3254" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8581">68</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Option</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3693" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8582">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3694" decimals="-6" 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unitRef="eur" contextRef="c-3696" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8585">59</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3697" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8586">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3256" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8587">68</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Hedges of net investments in foreign operations:</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3698" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8588">4,303</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3699" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8589">4,940</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3700" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8590">9,463</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3701" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8591">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3702" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8592">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3258" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8593">18,706</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3703" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8594">4,303</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3704" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8595">4,940</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3705" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8596">9,463</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3706" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8597">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3707" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8598">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3260" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8599">18,706</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3708" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8600">4,303</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3709" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8601">4,940</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3710" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8602">9,463</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3711" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8603">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3712" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8604">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3262" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8605">18,706</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3713" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8606">19,038</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3714" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8607">35,624</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3715" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8608">112,546</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3716" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8609">222,777</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2465" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8610">28,309</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8611">418,294</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">261</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-244"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-8065-3" continuedAt="f-8065-4"><ix:continuation id="f-7682-10" continuedAt="f-7682-11"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Additionally, for Santander UK Group Holdings plc and Banco Santander, S.A., both the maturity profile, the average interest and exchange rate of hedging instruments by maturity buckets are shown:</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline">Santander UK Group Holdings plc group</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:34.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.124%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three&#160;months<br/>to one year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;year<br/>to five years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3717" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8612">14,490</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3718" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8613">12,469</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3719" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8614">69,366</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3720" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8615">86,738</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3721" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8616">6,222</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid 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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:105%"><ix:nonFraction unitRef="number" contextRef="c-3723" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8618">4.150</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3724" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8619">4.703</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td 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scale="-2" id="f-8626">0.621</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3732" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8627">0.437</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8629">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3735" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8630">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3736" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8631">4.091</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3737" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8632">1.325</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange and interest rate instruments</span></td><td 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decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8633">27.000</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3739" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8634">30</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3740" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8635">357</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3741" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8636">6,936</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3742" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8637">1,808</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3743" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8638">9,158</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3744" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8639">1.176</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3745" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8640">1.138</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3746" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8641">1.158</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3747" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8642">1.177</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3748" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8643">1.182</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3744" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8644">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid 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Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3749" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8649">2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3750" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8650">3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3751" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8651">4.080</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3754" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8654">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3755" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8655">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3756" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8656">4.991</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" 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name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8661">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3762" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8662">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-3766" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8666">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3767" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8667">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid 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format="ixt:num-dot-decimal" scale="6" id="f-8674">4,067</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3775" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8675">43,097</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3776" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8676">4.373</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3777" decimals="5" 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Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-3779" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8679">3.881</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3780" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8680">4.481</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Foreign exchange risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3781" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8681">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3782" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8682">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3783" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8683">1,982</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3784" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8684">14,238</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3785" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8685">3,112</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3786" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8686">19,332</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/JPY exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerJPY" contextRef="c-3787" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8687">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerJPY" contextRef="c-3788" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8688">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerJPY" contextRef="c-3789" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8689">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerJPY" contextRef="c-3790" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8690">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerJPY" contextRef="c-3791" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8691">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/CHF exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCHF" contextRef="c-3787" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8692">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCHF" contextRef="c-3788" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8693">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCHF" contextRef="c-3789" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8694">1.121</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCHF" contextRef="c-3790" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8695">1.111</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCHF" contextRef="c-3791" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8696">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3787" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8697">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3788" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8698">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3789" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8699">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3790" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8700">1.180</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3791" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8701">1.172</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3787" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8702">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3788" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8703">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3789" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8704">1.334</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3790" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8705">1.275</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3791" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8706">1.373</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/CAD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCAD" contextRef="c-3787" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8707">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCAD" contextRef="c-3788" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8708">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCAD" contextRef="c-3789" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8709">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCAD" contextRef="c-3790" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8710">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCAD" contextRef="c-3791" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8711">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Equity instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3792" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8712">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3793" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8713">2</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3794" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8714">13</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3795" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8715">49</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3796" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8716">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3797" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8717">64</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3798" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8718">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3799" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8719">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3800" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8720">87</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3801" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8721">2,206</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3802" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8722">420</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3803" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8723">2,713</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3804" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8724">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3805" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8725">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3806" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8726">1.166</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3807" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8727">1.181</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3808" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8728">1.172</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3804" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8729">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3805" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8730">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3806" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8731">1.334</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3807" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8732">1.281</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3808" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8733">1.397</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3809" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8734">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3810" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8735">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3811" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8736">2.609</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3812" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8737">3.973</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3813" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8738">4.475</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">262</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-245"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-8065-4" continuedAt="f-8065-5"><ix:continuation id="f-7682-11" continuedAt="f-7682-12"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:34.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.124%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three&#160;months<br/>to one year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;year<br/>to five years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3814" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8739">5,033</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3815" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8740">7,598</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3816" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8741">64,755</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3817" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8742">93,176</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3818" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8743">4,110</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3819" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8744">174,672</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3820" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8745">3.749</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3821" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8746">4.293</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td 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#9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3824" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8749">3.653</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3825" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8750">0.200</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-3826" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8751">0.346</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-3827" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8752">0.446</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3828" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8753">0.585</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3829" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8754">4.370</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3830" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8755">1.677</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3831" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8756">1.534</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3832" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8757">1.531</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3833" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8758">5.756</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3834" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8759">0.449</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;&#160;Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3835" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8760">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3836" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8761">212</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3837" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8762">258</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3838" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8763">2,280</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3839" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8764">1,152</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3840" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8765">3,902</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3841" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8766">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3842" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8767">1.136</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3843" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8768">1.158</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3844" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8769">1.162</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3845" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8770">1.176</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3841" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8771">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid 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Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3844" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8774">1.318</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3845" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8775">1.281</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3846" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8776">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3847" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8777">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3848" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8778">1.350</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3849" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8779">3.304</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3850" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8780">2.940</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3851" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8781">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCHF" contextRef="c-3873" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8808">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCHF" contextRef="c-3874" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8809">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCHF" contextRef="c-3875" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8810">1.086</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCHF" contextRef="c-3876" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8811">1.115</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCHF" contextRef="c-3877" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8812">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3873" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8813">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3874" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8814">1.203</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3875" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8815">1.188</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3876" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8816">1.177</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3877" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8817">1.162</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3873" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8818">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3874" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8819">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3875" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8820">1.238</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3876" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8821">1.297</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3877" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8822">1.388</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/CAD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCAD" contextRef="c-3873" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8823">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCAD" contextRef="c-3874" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8824">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCAD" contextRef="c-3875" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8825">1.758</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCAD" contextRef="c-3876" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8826">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCAD" contextRef="c-3877" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8827">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Equity instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3878" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8828">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3879" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8829">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3880" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8830">19</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3881" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8831">55</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3882" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8832">1</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3883" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8833">75</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3884" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8834">1,993</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3885" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8835">476</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3886" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8836">1,039</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3887" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8837">2,294</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3888" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8838">707</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3889" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8839">6,509</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3890" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8840">1.124</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3891" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8841">1.370</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3892" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8842">1.161</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3893" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8843">1.213</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3894" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8844">1.179</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3890" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8845">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3891" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8846">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3892" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8847">1.538</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3893" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8848">1.319</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3894" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8849">1.537</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3895" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8850">1.480</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3896" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8851">2.760</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3897" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8852">3.203</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3898" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8853">2.771</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3899" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8854">4.885</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3900" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8855">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3901" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8856">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3902" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8857">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3903" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8858">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3904" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8859">2,163</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3905" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8860">2,163</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3906" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8861">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3907" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8862">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3908" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8863">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3909" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8864">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3910" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8865">4.983</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">263</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-246"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-8065-5" continuedAt="f-8065-6"><ix:continuation id="f-7682-12" continuedAt="f-7682-13"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:34.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.124%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt 0 7.75pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3911" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8866">4,163</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3912" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8867">8,230</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3913" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8868">37,158</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3914" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8869">70,075</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3915" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8870">3,467</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3916" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8871">123,093</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3917" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8872">2.380</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3918" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8873">3.190</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td 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#9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3921" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8876">3.990</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3922" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8877">1.140</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3923" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8878">0.180</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 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id="f-8880">0.210</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3926" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8881">3.920</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3927" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8882">2.600</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3928" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8883">2.460</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3929" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8884">4.230</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3930" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8885">1.360</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3931" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8886">4.910</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3932" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8887">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3933" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8888">41</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3934" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8889">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3935" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8890">2,172</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3936" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8891">198</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3937" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8892">2,411</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3938" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="6" id="f-8893">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3939" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8894">1.113</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3940" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8895">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3941" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8896">1.156</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3942" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8897">1.148</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3938" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8898">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3939" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8899">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3940" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8900">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3941" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8901">1.318</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3942" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8902">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3943" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8903">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3944" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8904">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3945" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8905">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3946" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8906">2.770</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3947" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8907">3.480</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3948" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8908">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3949" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8909">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3950" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8910">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3951" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8911">4.830</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3952" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8912">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3955" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8915">15,756</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3956" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8916">31,941</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3957" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8917">1,405</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3958" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8918">53,705</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3959" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8919">5.060</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3960" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8920">3.050</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3961" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8921">5.380</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3962" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8922">3.840</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8925">6,266</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3966" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8926">3,104</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3967" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8927">10,888</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3968" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8928">1,763</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerJPY" contextRef="c-3970" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8930">154.135</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerJPY" contextRef="c-3971" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8931">153.954</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerJPY" contextRef="c-3972" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8932">167.846</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="gbpPerJPY" contextRef="c-3973" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8933">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="gbpPerJPY" contextRef="c-3974" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="6" id="f-8934">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/CHF exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCHF" contextRef="c-3970" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8935">1.092</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCHF" contextRef="c-3971" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8936">1.093</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCHF" contextRef="c-3972" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8937">1.089</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCHF" contextRef="c-3973" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8938">1.121</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerCHF" contextRef="c-3974" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8939">1.121</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3970" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="6" id="f-8940">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3971" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8941">1.197</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3972" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8942">1.167</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3973" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8943">1.179</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3974" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8944">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3970" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8945">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3971" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8946">1.392</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3972" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8947">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3973" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8948">1.277</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3974" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8949">1.388</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Equity instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3975" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8950">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3976" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-8951">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3977" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8952">8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3978" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8953">58</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3979" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8954">2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3980" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8955">68</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3981" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8956">100</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3982" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8957">905</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3983" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8958">576</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3984" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8959">5,614</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3985" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8960">719</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3986" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8961">7,914</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3987" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:num-dot-decimal" scale="-3" id="f-8962">1,183</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3988" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="6" id="f-8963">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3989" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8964">1.254</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3990" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8965">1.198</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-3991" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8966">1.189</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3987" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="-3" id="f-8967">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3988" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:num-dot-decimal" scale="-3" id="f-8968">1,663</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3989" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-8969">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3990" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8970">1.383</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="gbpPerUSD" contextRef="c-3991" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8971">1.537</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3992" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8972">2.570</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3993" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8973">2.540</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3994" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8974">2.960</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3995" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8975">2.420</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3996" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8976">4.810</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr></table></div></ix:continuation></ix:continuation><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">264</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-247"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-8065-6" continuedAt="f-8065-7"><ix:continuation id="f-7682-13" continuedAt="f-7682-14"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline">Banco Santander, S.A.</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:34.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.124%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3997" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-8977">746</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3998" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8978">2,790</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3999" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8979">6,849</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4000" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8980">34,331</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4001" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8981">17,003</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4002" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-8982">61,719</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) GBP</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4003" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8983">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4004" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8984">2.155</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4005" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8985">1.500</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4006" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8986">5.725</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4007" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8987">5.371</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4008" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8988">3.303</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4009" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8989">2.809</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4010" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8990">2.101</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4011" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8991">3.139</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4012" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8992">0.330</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CHF</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4013" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8993">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4014" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8994">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4015" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8995">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4016" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8996">0.403</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4017" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-8997">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4018" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8998">5.075</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4019" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8999">4.422</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4020" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9000">1.983</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4021" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9001">3.653</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4022" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9002">4.991</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CZK</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4023" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9003">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4024" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9004">1.650</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4025" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9005">2.350</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4026" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9006">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4027" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9007">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NOK</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4028" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9008">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4029" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9009">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4030" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9010">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4031" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9011">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4032" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9012">2.403</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4033" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9013">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4034" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9014">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4035" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9015">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4036" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9016">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4037" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9017">3.824</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) RON</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4038" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9018">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4039" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9019">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4040" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9020">4.880</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4041" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9021">3.200</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4042" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9022">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) HKD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4043" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9023">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4044" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9024">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4045" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9025">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4046" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9026">1.960</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4047" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9027">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NZD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4048" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9028">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4049" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9029">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4050" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9030">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4051" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9031">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4052" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9032">3.252</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Foreign exchange risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4053" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9033">329</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4054" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9034">250</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4055" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9035">697</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4056" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9036">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4057" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9037">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4058" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9038">1,276</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CNY/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cnyPerEUR" contextRef="c-4059" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="-3" id="f-9039">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cnyPerEUR" contextRef="c-4060" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:num-dot-decimal" scale="-3" id="f-9040">8,273</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cnyPerEUR" contextRef="c-4061" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:num-dot-decimal" scale="-3" id="f-9041">8,284</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cnyPerEUR" contextRef="c-4062" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="-3" id="f-9042">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cnyPerEUR" contextRef="c-4063" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="-3" id="f-9043">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4059" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:num-dot-decimal" scale="-2" id="f-9044">2,173</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4060" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="-2" id="f-9045">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4061" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="-2" id="f-9046">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4062" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="-2" id="f-9047">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4063" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="-2" id="f-9048">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4066" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9051">956</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4067" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9052">3,750</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4070" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9055">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4073" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9058">5.710</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4074" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9059">6.101</ix:nonFraction>&#160;</span></td><td 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0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4076" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9061">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4077" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9062">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4078" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9063">4.264</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4079" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9064">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) RON/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4080" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" 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id="f-9076">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4092" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9077">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4093" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9078">0.975</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4094" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9079">1.407</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NOK/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4095" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9080">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4096" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9081">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4097" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9082">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4098" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9083">3.441</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4099" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9084">4.155</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4101" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9086">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4102" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9087">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4103" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9088">2.021</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4104" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9089">1.919</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/CLP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4105" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9090">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4106" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9091">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4107" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9092">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4108" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9093">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4109" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9094">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/COP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4110" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9095">11.669</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4111" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9096">11.703</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4112" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9097">9.869</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4113" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9098">9.356</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4114" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9099">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/MXN</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4115" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9100">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4116" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9101">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4117" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9102">8.800</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4118" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9103">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4119" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9104">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4120" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9105">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4121" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9106">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4122" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9107">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4123" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9108">1.617</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4124" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9109">1.584</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average NZD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nzdPerEUR" contextRef="c-4120" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9110">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nzdPerEUR" contextRef="c-4121" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9111">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nzdPerEUR" contextRef="c-4122" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9112">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nzdPerEUR" contextRef="c-4123" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9113">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nzdPerEUR" contextRef="c-4124" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9114">1.666</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CZK/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="czkPerEUR" contextRef="c-4120" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9115">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="czkPerEUR" contextRef="c-4121" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9116">26.131</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="czkPerEUR" contextRef="c-4122" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9117">25.365</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="czkPerEUR" contextRef="c-4123" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9118">24.832</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="czkPerEUR" contextRef="c-4124" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9119">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average EUR/COP exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerCOP" contextRef="c-4120" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9120">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerCOP" contextRef="c-4121" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9121">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerCOP" contextRef="c-4122" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9122">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerCOP" contextRef="c-4123" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9123">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerCOP" contextRef="c-4124" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9124">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average EUR/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerUSD" contextRef="c-4120" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9125">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerUSD" contextRef="c-4121" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9126">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerUSD" contextRef="c-4122" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9127">0.940</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerUSD" contextRef="c-4123" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9128">0.948</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerUSD" contextRef="c-4124" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9129">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average HKD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="hkdPerEUR" contextRef="c-4120" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9130">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="hkdPerEUR" contextRef="c-4121" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9131">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="hkdPerEUR" contextRef="c-4122" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9132">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="hkdPerEUR" contextRef="c-4123" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9133">8.488</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="hkdPerEUR" contextRef="c-4124" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9134">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average JPY/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="jpyPerEUR" contextRef="c-4120" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9135">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="jpyPerEUR" contextRef="c-4121" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9136">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="jpyPerEUR" contextRef="c-4122" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9137">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="jpyPerEUR" contextRef="c-4123" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9138">137.802</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="jpyPerEUR" contextRef="c-4124" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9139">129.229</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4120" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9140">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4121" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9141">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4122" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9142">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4123" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9143">19.083</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4124" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9144">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average NOK/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nokPerEUR" contextRef="c-4120" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9145">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nokPerEUR" contextRef="c-4121" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9146">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nokPerEUR" contextRef="c-4122" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9147">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nokPerEUR" contextRef="c-4123" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9148">9.519</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nokPerEUR" contextRef="c-4124" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9149">10.651</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average RON/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4120" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9150">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4121" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9151">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4122" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9152">4.948</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4123" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9153">4.927</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4124" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9154">4.980</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4120" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9155">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4121" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9156">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4122" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9157">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4123" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9158">1.019</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4124" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9159">0.935</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/COP exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerCOP" contextRef="c-4120" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9160">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerCOP" contextRef="c-4121" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9161">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerCOP" contextRef="c-4122" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9162">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerCOP" contextRef="c-4123" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9163">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerCOP" contextRef="c-4124" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9164">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/MXN exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerMXN" contextRef="c-4120" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9165">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerMXN" contextRef="c-4121" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9166">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerMXN" contextRef="c-4122" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9167">0.055</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerMXN" contextRef="c-4123" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9168">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerMXN" contextRef="c-4124" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9169">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Basis Risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Basis risk instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4125" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9170">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4126" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9171">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4127" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9172">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4128" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9173">500</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4129" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9174">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4130" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9175">500</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">265</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-248"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-8065-7" continuedAt="f-8065-8"><ix:continuation id="f-7682-14" continuedAt="f-7682-15"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:34.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.124%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate and foreign exchange rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4131" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9176">236</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4132" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9177">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4133" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9178">288</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4134" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9179">213</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4135" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9180">80</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4136" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9181">817</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4137" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9182">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4138" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9183">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4139" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9184">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4140" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9185">5.678</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4141" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9186">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CHF/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4142" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9187">2.258</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4143" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9188">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4144" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9189">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4145" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9190">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4146" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9191">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4147" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9192">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4148" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9193">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander 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name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9196">1.562</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average RON/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4147" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9197">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4148" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9198">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4149" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9199">4.940</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4150" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9200">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4151" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9201">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4147" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9202">1.002</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4148" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9203">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4149" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9204">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4150" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9205">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4151" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9206">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Bond Forward instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4152" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9207">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4153" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9208">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4154" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9209">2,120</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4155" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9210">9,003</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4156" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9211">507</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4157" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9212">11,630</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4158" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9213">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4159" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9214">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4160" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9215">2.964</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4161" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9216">2.695</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4165" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9220">1.650</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4166" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9221">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4167" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9222">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4168" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9223">9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4169" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9224">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4170" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9225">9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4171" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9226">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4172" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9227">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4173" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9228">18</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average exchange rate GBP/EUR</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-4174" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9229">1.129</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-4175" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="6" id="f-9230">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-4176" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9231">1.119</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-4177" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="-2" id="f-9232">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-4178" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="-2" id="f-9233">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedges of net investments in foreign operations</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4179" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9234">2,574</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4180" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9235">4,530</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4181" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9236">9,866</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4182" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9237">207</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4183" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9238">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4184" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9239">17,177</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average BRL/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="brlPerEUR" contextRef="c-4185" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9240">6.892</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="brlPerEUR" contextRef="c-4186" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9241">6.979</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="brlPerEUR" contextRef="c-4187" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9242">6.652</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="brlPerEUR" contextRef="c-4188" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9243">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="brlPerEUR" contextRef="c-4189" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9244">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CLP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="clpPerEUR" contextRef="c-4185" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:num-dot-decimal" scale="0" id="f-9245">1,054.241</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="clpPerEUR" contextRef="c-4186" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:num-dot-decimal" scale="0" id="f-9246">1,018.994</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="clpPerEUR" contextRef="c-4187" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:num-dot-decimal" scale="0" id="f-9247">1,108.027</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="clpPerEUR" contextRef="c-4188" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:num-dot-decimal" scale="0" id="f-9248">1,099.571</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="clpPerEUR" contextRef="c-4189" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9249">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average COP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="copPerEUR" contextRef="c-4185" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9250">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="copPerEUR" contextRef="c-4186" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:num-dot-decimal" scale="0" id="f-9251">4,566</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="copPerEUR" contextRef="c-4187" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9252">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="copPerEUR" contextRef="c-4188" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9253">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="copPerEUR" contextRef="c-4189" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9254">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-4185" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9255">0.860</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-4186" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9256">0.867</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-4187" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9257">0.884</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-4188" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9258">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-4189" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9259">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4185" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9260">22.187</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4186" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9261">23.465</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4187" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9262">22.823</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4188" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9263">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4189" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9264">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerEUR" contextRef="c-4185" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9265">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerEUR" contextRef="c-4186" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9266">1.078</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerEUR" contextRef="c-4187" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9267">1.175</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerEUR" contextRef="c-4188" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9268">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerEUR" contextRef="c-4189" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9269">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average PLN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="plnPerEUR" contextRef="c-4185" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9270">4.321</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="plnPerEUR" contextRef="c-4186" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9271">4.307</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="plnPerEUR" contextRef="c-4187" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9272">4.309</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="plnPerEUR" contextRef="c-4188" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9273">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="plnPerEUR" contextRef="c-4189" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9274">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CAD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cadPerEUR" contextRef="c-4185" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9275">1.611</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cadPerEUR" contextRef="c-4186" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9276">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cadPerEUR" contextRef="c-4187" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9277">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cadPerEUR" contextRef="c-4188" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9278">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cadPerEUR" contextRef="c-4189" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9279">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average UYU/EUR exchange rate</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="uyuPerEUR" contextRef="c-4185" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9280">48.093</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="uyuPerEUR" contextRef="c-4186" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9281">48.729</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="uyuPerEUR" contextRef="c-4187" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9282">49.916</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="uyuPerEUR" contextRef="c-4188" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9283">53.350</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="uyuPerEUR" contextRef="c-4189" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9284">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">266</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-249"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-8065-8" continuedAt="f-8065-9"><ix:continuation id="f-7682-15" continuedAt="f-7682-16"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:34.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.124%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4190" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9285">1,431</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4191" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9286">4,446</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4192" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9287">6,878</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4193" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9288">33,324</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4194" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9289">15,991</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4195" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9290">62,070</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) GBP</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4196" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9291">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4197" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9292">0.020</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4198" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9293">3.120</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4199" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9294">2.640</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4200" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9295">5.370</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4201" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9296">1.340</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4202" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9297">0.010</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4203" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9298">2.000</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4204" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9299">3.460</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4205" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9300">3.170</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4206" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9301">0.010</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4207" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9302">3.500</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4208" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9303">2.740</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4209" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9304">4.460</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4210" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9305">4.720</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CZK</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4211" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9306">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4212" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9307">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4213" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9308">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4214" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9309">2.000</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4215" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9310">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NOK</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4216" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9311">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4217" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9312">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4218" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9313">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4219" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9314">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4220" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9315">2.400</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4221" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9316">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4222" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9317">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4223" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9318">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4224" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9319">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4225" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9320">3.820</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) RON</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4226" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9321">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4227" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9322">3.610</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4228" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9323">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4229" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9324">4.200</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4230" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9325">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) HKD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4231" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9326">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4232" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9327">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4233" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9328">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4234" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9329">1.960</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4235" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9330">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NZD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4236" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9331">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4237" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9332">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4238" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9333">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4239" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9334">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4240" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9335">3.250</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Foreign exchange risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4241" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9336">473</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4244" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9339">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4245" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9340">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4246" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9341">1,165</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CNY/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cnyPerEUR" contextRef="c-4247" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:num-dot-decimal" scale="-3" id="f-9342">7,710</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cnyPerEUR" contextRef="c-4248" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:num-dot-decimal" scale="-3" id="f-9343">7,710</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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name="ifrs-full:AverageForeignExchangeRate" format="ixt:num-dot-decimal" scale="-2" id="f-9347">2,178</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4248" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="-2" id="f-9348">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4249" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="-2" id="f-9349">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4250" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="-2" id="f-9350">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4251" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="-2" id="f-9351">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4254" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9354">1,355</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4255" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9355">4,859</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid 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id="f-9365">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4266" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9366">4.190</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4267" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9367">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) RON/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4268" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9368">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4269" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9369">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4270" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9370">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4271" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9371">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4273" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9373">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4274" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9374">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4275" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9375">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4276" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9376">4.620</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4277" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9377">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) JPY/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4278" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9378">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4279" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9379">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4280" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9380">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4281" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9381">1.300</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4282" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9382">1.410</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NOK/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4283" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9383">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4284" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9384">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4285" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9385">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4286" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9386">3.440</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4287" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9387">4.500</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4289" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9389">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4290" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9390">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4291" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9391">2.030</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4292" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9392">2.250</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid 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0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4294" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9394">12.750</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4295" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9395">10.580</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4296" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9396">10.540</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4297" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9397">7.760</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR/GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4298" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9398">6.690</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4299" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9399">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4300" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9400">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4301" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9401">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4302" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9402">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/MXN</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4303" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9403">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4304" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9404">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4305" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9405">11.300</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4306" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9406">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4307" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9407">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4308" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9408">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4309" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9409">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4310" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9410">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4311" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9411">1.599</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4312" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9412">1.584</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average NZD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nzdPerEUR" contextRef="c-4308" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9413">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nzdPerEUR" contextRef="c-4309" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9414">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nzdPerEUR" contextRef="c-4310" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9415">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nzdPerEUR" contextRef="c-4311" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9416">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nzdPerEUR" contextRef="c-4312" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9417">1.666</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CZK/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="czkPerEUR" contextRef="c-4308" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9418">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="czkPerEUR" contextRef="c-4309" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9419">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="czkPerEUR" contextRef="c-4310" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9420">26.030</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="czkPerEUR" contextRef="c-4311" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9421">25.634</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="czkPerEUR" contextRef="c-4312" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9422">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average EUR/GBP exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerGBP" contextRef="c-4308" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9423">1.189</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerGBP" contextRef="c-4309" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9424">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerGBP" contextRef="c-4310" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9425">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerGBP" contextRef="c-4311" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9426">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerGBP" contextRef="c-4312" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9427">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average EUR/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerUSD" contextRef="c-4308" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9428">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerUSD" contextRef="c-4309" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9429">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerUSD" contextRef="c-4310" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9430">0.982</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerUSD" contextRef="c-4311" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9431">0.943</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerUSD" contextRef="c-4312" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9432">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average HKD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="hkdPerEUR" contextRef="c-4308" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9433">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="hkdPerEUR" contextRef="c-4309" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9434">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="hkdPerEUR" contextRef="c-4310" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9435">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="hkdPerEUR" contextRef="c-4311" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9436">8.488</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="hkdPerEUR" contextRef="c-4312" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9437">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average JPY/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="jpyPerEUR" contextRef="c-4308" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9438">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="jpyPerEUR" contextRef="c-4309" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9439">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="jpyPerEUR" contextRef="c-4310" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9440">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="jpyPerEUR" contextRef="c-4311" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9441">134.151</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="jpyPerEUR" contextRef="c-4312" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9442">129.229</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4308" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9443">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4309" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9444">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4310" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9445">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4311" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9446">19.083</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4312" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9447">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average NOK/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nokPerEUR" contextRef="c-4308" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9448">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nokPerEUR" contextRef="c-4309" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9449">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nokPerEUR" contextRef="c-4310" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9450">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nokPerEUR" contextRef="c-4311" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9451">9.519</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nokPerEUR" contextRef="c-4312" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9452">10.429</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average RON/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4308" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9453">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4309" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9454">4.810</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4310" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9455">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4311" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9456">4.940</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4312" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9457">4.980</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4308" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9458">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4309" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9459">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4310" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9460">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4311" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9461">1.019</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4312" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9462">0.932</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/COP exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerCOP" contextRef="c-4308" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9463">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerCOP" contextRef="c-4309" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9464">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerCOP" contextRef="c-4310" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9465">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerCOP" contextRef="c-4311" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9466">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerCOP" contextRef="c-4312" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9467">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/MXN exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerMXN" contextRef="c-4308" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9468">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerMXN" contextRef="c-4309" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9469">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerMXN" contextRef="c-4310" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9470">0.052</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerMXN" contextRef="c-4311" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9471">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerMXN" contextRef="c-4312" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9472">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Basis Risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Basis risk instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;&#160;Nominal</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4313" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9473">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4314" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9474">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4315" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9475">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4316" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9476">500</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4317" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9477">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4318" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9478">500</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">267</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-250"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-8065-9" continuedAt="f-8065-10"><ix:continuation id="f-7682-16" continuedAt="f-7682-17"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:34.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.124%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate and foreign exchange rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4319" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9479">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4320" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9480">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4321" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9481">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4324" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9484">1,139</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4325" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9485">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4326" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9486">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4327" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9487">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4328" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9488">3.520</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt 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0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4332" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9492">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4333" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9493">3.110</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4334" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9494">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4335" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9495">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4336" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9496">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4337" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9497">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4338" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9498">1.580</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4339" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9499">1.560</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average RON/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4335" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9500">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4336" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9501">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4337" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9502">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4338" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9503">4.940</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4339" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9504">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4335" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9505">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4336" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9506">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4337" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9507">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4338" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9508">1.000</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;Bond Forward instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4340" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9510">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4341" decimals="-6" 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scale="6" id="f-9522">83</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4353" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9523">125</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4354" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9524">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4355" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9525">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander 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format="ixt:num-dot-decimal" scale="6" id="f-9534">12,821</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4365" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9535">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4366" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9536">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9537">21,131</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average BRL/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="brlPerEUR" contextRef="c-4368" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9538">5.990</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="brlPerEUR" contextRef="c-4369" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9539">6.120</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="brlPerEUR" contextRef="c-4370" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9540">6.270</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="brlPerEUR" contextRef="c-4371" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9541">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="brlPerEUR" contextRef="c-4372" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9542">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CLP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="clpPerEUR" contextRef="c-4368" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:num-dot-decimal" scale="0" id="f-9543">1,052.780</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="clpPerEUR" contextRef="c-4369" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:num-dot-decimal" scale="0" id="f-9544">1,066.580</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="clpPerEUR" contextRef="c-4370" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:num-dot-decimal" scale="0" id="f-9545">1,045.090</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="clpPerEUR" contextRef="c-4371" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9546">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="clpPerEUR" contextRef="c-4372" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9547">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average COP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="copPerEUR" contextRef="c-4368" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9548">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="copPerEUR" contextRef="c-4369" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:num-dot-decimal" scale="0" id="f-9549">4,703</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="copPerEUR" contextRef="c-4370" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9550">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="copPerEUR" contextRef="c-4371" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9551">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="copPerEUR" contextRef="c-4372" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9552">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-4368" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9553">0.860</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-4369" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9554">0.850</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-4370" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9555">0.850</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-4371" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9556">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-4372" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9557">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4368" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9558">20.280</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4369" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9559">19.830</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4370" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9560">21.970</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4371" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9561">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4372" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9562">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerEUR" contextRef="c-4368" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9563">1.090</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerEUR" contextRef="c-4369" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9564">1.080</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerEUR" contextRef="c-4370" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9565">1.090</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerEUR" contextRef="c-4371" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9566">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerEUR" contextRef="c-4372" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9567">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average PLN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="plnPerEUR" contextRef="c-4368" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9568">4.370</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="plnPerEUR" contextRef="c-4369" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9569">4.410</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="plnPerEUR" contextRef="c-4370" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9570">4.410</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="plnPerEUR" contextRef="c-4371" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9571">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="plnPerEUR" contextRef="c-4372" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9572">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CAD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cadPerEUR" contextRef="c-4368" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9573">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cadPerEUR" contextRef="c-4369" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9574">1.500</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cadPerEUR" contextRef="c-4370" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9575">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cadPerEUR" contextRef="c-4371" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9576">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cadPerEUR" contextRef="c-4372" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9577">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4368" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9578">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4369" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9579">0.940</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4370" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9580">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4371" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9581">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4372" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9582">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average UYU/EUR exchange rate</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="uyuPerEUR" contextRef="c-4368" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9583">45.820</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="uyuPerEUR" contextRef="c-4369" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9584">45.160</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="uyuPerEUR" contextRef="c-4370" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9585">48.290</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="uyuPerEUR" contextRef="c-4371" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9586">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="uyuPerEUR" contextRef="c-4372" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9587">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">268</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-251"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-8065-10" continuedAt="f-8065-11"><ix:continuation id="f-7682-17" continuedAt="f-7682-18"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:34.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.124%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair value hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4373" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9588">1,532</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4374" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9589">194</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4375" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9590">7,880</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4376" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9591">22,714</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4377" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9592">8,775</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4378" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9593">41,095</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4379" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9594">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4380" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9595">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4381" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9596">1.375</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4382" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9597">4.479</ix:nonFraction>&#160;</span></td><td 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EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4384" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9599">0.096</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4385" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9600">0.014</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4386" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9601">2.085</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4387" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9602">2.422</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4388" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9603">3.421</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander 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name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9605">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4391" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9606">1.010</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4392" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9607">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4393" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9608">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4394" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9609">0.015</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4395" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9610">3.688</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4396" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9611">2.603</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4397" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9612">3.801</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4398" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9613">4.446</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Foreign exchange risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4399" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9614">278</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4400" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9615">634</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4401" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9616">524</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4402" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9617">50</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4403" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9618">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4404" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9619">1,486</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average PEN/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="penPerUSD" contextRef="c-4405" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9620">3.784</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="penPerUSD" contextRef="c-4406" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9621">3.751</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="penPerUSD" contextRef="c-4407" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9622">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="penPerUSD" contextRef="c-4408" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9623">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="penPerUSD" contextRef="c-4409" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9624">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CNY/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cnyPerEUR" contextRef="c-4405" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9625">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cnyPerEUR" contextRef="c-4406" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9626">7.323</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cnyPerEUR" contextRef="c-4407" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9627">7.732</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cnyPerEUR" contextRef="c-4408" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9628">7.716</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cnyPerEUR" contextRef="c-4409" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9629">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4405" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9630">1.648</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4406" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9631">1.665</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4407" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9632">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4408" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9633">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4409" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9634">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4405" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9635">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4406" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9636">19.363</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4407" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9637">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4408" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9638">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4409" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9639">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average COP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="copPerUSD" contextRef="c-4405" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:num-dot-decimal" scale="0" id="f-9640">4,159.190</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="copPerUSD" contextRef="c-4406" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:num-dot-decimal" scale="0" id="f-9641">3,998.060</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="copPerUSD" contextRef="c-4407" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9642">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="copPerUSD" contextRef="c-4408" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9643">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="copPerUSD" contextRef="c-4409" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9644">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MAD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="madPerEUR" contextRef="c-4405" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9645">10.929</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="madPerEUR" contextRef="c-4406" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9646">11.057</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="madPerEUR" contextRef="c-4407" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9647">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="madPerEUR" contextRef="c-4408" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9648">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="madPerEUR" contextRef="c-4409" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9649">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average PEN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="penPerEUR" contextRef="c-4405" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9650">4.095</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="penPerEUR" contextRef="c-4406" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9651">4.110</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="penPerEUR" contextRef="c-4407" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9652">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="penPerEUR" contextRef="c-4408" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9653">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="penPerEUR" contextRef="c-4409" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9654">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4410" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9655">30</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4411" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9656">66</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4412" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9657">1,450</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4413" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9658">4,321</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4414" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9659">1,150</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4415" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9660">7,017</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4416" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9661">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4417" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9662">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4418" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9663">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4419" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9664">4.800</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4420" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9665">3.615</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CZK/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4421" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9666">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4422" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9667">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4423" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9668">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4424" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9669">2.000</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4425" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9670">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) RON/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4426" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9671">5.130</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4427" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9672">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4428" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9673">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4429" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9674">3.967</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4430" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9675">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) HKD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4431" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9676">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4432" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9677">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4433" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9678">2.580</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4434" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9679">5.270</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4435" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9680">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) JPY/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4436" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9681">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4437" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9682">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4438" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9683">0.465</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4439" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9684">1.298</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4440" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9685">1.407</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NOK/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4441" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9686">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4442" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9687">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid 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0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4445" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9690">4.501</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CHF/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4446" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9691">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4447" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9692">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4448" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9693">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4449" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9694">1.243</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4450" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9695">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/MXN</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4451" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9696">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4452" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9697">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4453" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9698">14.250</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4454" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9699">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4455" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9700">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/COP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4456" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9701">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4459" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9704">13.207</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4460" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9705">7.149</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR/USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4461" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9706">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4462" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9707">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-4463" decimals="5" sign="-" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9708">0.140</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4464" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9709">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4465" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9710">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/CLP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4466" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9711">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4467" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9712">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4468" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9713">3.450</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4469" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9714">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4470" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9715">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4471" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9716">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4472" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9717">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4473" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9718">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4474" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9719">1.499</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4475" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9720">1.545</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CZK/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="czkPerEUR" contextRef="c-4471" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9721">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="czkPerEUR" contextRef="c-4472" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9722">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="czkPerEUR" contextRef="c-4473" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9723">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="czkPerEUR" contextRef="c-4474" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9724">25.831</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="czkPerEUR" contextRef="c-4475" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9725">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average EUR/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerUSD" contextRef="c-4471" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9726">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerUSD" contextRef="c-4472" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9727">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerUSD" contextRef="c-4473" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9728">0.891</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerUSD" contextRef="c-4474" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9729">0.961</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerUSD" contextRef="c-4475" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9730">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average HKD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="hkdPerEUR" contextRef="c-4471" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9731">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="hkdPerEUR" contextRef="c-4472" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9732">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="hkdPerEUR" contextRef="c-4473" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9733">8.782</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="hkdPerEUR" contextRef="c-4474" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9734">8.666</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="hkdPerEUR" contextRef="c-4475" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9735">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average JPY/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="jpyPerEUR" contextRef="c-4471" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9736">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="jpyPerEUR" contextRef="c-4472" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9737">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="jpyPerEUR" contextRef="c-4473" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9738">120.568</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="jpyPerEUR" contextRef="c-4474" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9739">134.151</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="jpyPerEUR" contextRef="c-4475" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9740">129.229</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average NOK/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nokPerEUR" contextRef="c-4471" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9741">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nokPerEUR" contextRef="c-4472" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9742">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nokPerEUR" contextRef="c-4473" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9743">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nokPerEUR" contextRef="c-4474" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9744">9.519</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nokPerEUR" contextRef="c-4475" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9745">10.429</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average RON/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4471" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9746">4.711</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4472" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9747">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4473" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9748">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4474" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9749">4.887</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4475" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9750">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4471" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9751">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4472" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9752">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4473" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9753">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4474" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9754">1.104</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4475" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9755">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4471" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9756">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4472" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9757">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4473" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9758">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4474" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9759">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4475" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9760">19.083</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/CLP exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerCLP" contextRef="c-4471" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9761">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerCLP" contextRef="c-4472" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9762">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerCLP" contextRef="c-4473" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9763">0.001</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerCLP" contextRef="c-4474" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9764">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerCLP" contextRef="c-4475" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9765">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average NZD/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nzdPerEUR" contextRef="c-4471" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9766">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nzdPerEUR" contextRef="c-4472" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9767">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nzdPerEUR" contextRef="c-4473" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9768">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nzdPerEUR" contextRef="c-4474" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9769">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="nzdPerEUR" contextRef="c-4475" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9770">1.666</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/MXN exchange rate</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerMXN" contextRef="c-4471" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9771">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerMXN" contextRef="c-4472" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9772">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerMXN" contextRef="c-4473" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9773">0.058</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerMXN" contextRef="c-4474" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9774">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerMXN" contextRef="c-4475" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9775">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">269</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-252"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-8065-11"><ix:continuation id="f-7682-18" continuedAt="f-7682-19"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:34.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.124%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Cash flow hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate and foreign exchange rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4476" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9776">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4477" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9777">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4478" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9778">414</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4479" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9779">1,075</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4480" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9780">86</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4481" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9781">1,575</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CHF/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4482" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9782">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4483" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9783">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4484" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9784">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4485" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9785">3.106</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9795">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eurPerGBP" contextRef="c-4496" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9796">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4492" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9797">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4493" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9798">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4494" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9799">1.625</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4495" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9800">1.584</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="audPerEUR" contextRef="c-4496" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9801">1.562</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average RON/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4492" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9802">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4493" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9803">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4494" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9804">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4495" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9805">4.940</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="ronPerEUR" contextRef="c-4496" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9806">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4492" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9807">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4493" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9808">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4494" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9809">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4495" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9810">1.002</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4496" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9811">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Bond Forward instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4497" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9812">750</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4498" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9813">1,500</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4499" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9814">7,750</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4500" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9815">0</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4501" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9816">0</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4502" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9817">10,000</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-4503" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9818">0.124</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-4504" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9819">0.889</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4505" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-9820">0.016</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4506" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9821">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4507" decimals="5" name="ifrs-full:AverageRateOfHedgingInstrument" format="ixt:fixed-zero" scale="-2" id="f-9822">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4508" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9823">13</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4509" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9824">25</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4510" decimals="-6" name="ifrs-full:NotionalAmount" scale="6" id="f-9825">111</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-4515" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9830">1.146</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-4516" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9831">1.138</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-4517" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9832">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-4518" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9833">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedges of net investments in foreign operations</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4519" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9834">3,593</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4520" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9835">4,870</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4521" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9836">8,034</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4522" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9837">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4523" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:fixed-zero" scale="6" id="f-9838">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4524" decimals="-6" name="ifrs-full:NotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-9839">16,497</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9852">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="copPerEUR" contextRef="c-4528" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9853">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander 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0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerEUR" contextRef="c-4529" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9859">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="2" 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0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4527" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9862">20.210</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4528" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9863">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="mxnPerEUR" contextRef="c-4529" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9864">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerEUR" contextRef="c-4525" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9865">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerEUR" contextRef="c-4526" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9866">1.129</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerEUR" contextRef="c-4527" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9867">1.081</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerEUR" contextRef="c-4528" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9868">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="usdPerEUR" contextRef="c-4529" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9869">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="plnPerEUR" contextRef="c-4528" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9873">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="plnPerEUR" contextRef="c-4529" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9874">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CAD/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cadPerEUR" contextRef="c-4525" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9875">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cadPerEUR" contextRef="c-4526" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9876">1.461</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cadPerEUR" contextRef="c-4527" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9877">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cadPerEUR" contextRef="c-4528" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9878">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="cadPerEUR" contextRef="c-4529" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9879">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4525" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9880">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4526" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9881">0.940</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4527" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9882">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4528" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9883">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="chfPerEUR" contextRef="c-4529" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9884">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average UYU/EUR exchange rate</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="uyuPerEUR" contextRef="c-4525" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9885">43.235</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="uyuPerEUR" contextRef="c-4526" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9886">43.521</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="uyuPerEUR" contextRef="c-4527" decimals="3" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-9887">44.400</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="uyuPerEUR" contextRef="c-4528" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9888">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="uyuPerEUR" contextRef="c-4529" decimals="3" name="ifrs-full:AverageForeignExchangeRate" format="ixt:fixed-zero" scale="0" id="f-9889">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr></table></div></ix:continuation></ix:continuation><div style="margin-bottom:3pt;margin-top:9pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">270</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-253"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-7682-19" continuedAt="f-7682-20"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i0e1290a0a9ee432897bb492e2109cde4"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">Other geographies</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Consumer Group entities mainly have loans portfolios at fixed interest rates and are therefore, exposed to changes in fair value due to movements in market interest rates. The entities manage this risk by contracting interest rate swaps in which they pay a fixed rate and receive a variable rate. Interest rate risk is the only one hedged and, therefore, other risks, such as credit risk, are managed but not hedged by the entities. The interest rate risk component is determined as the change in fair value of fixed rate loans arising solely from changes&#160;in&#160;a reference rate. This strategy is designated as a fair value hedge and its effectiveness is assessed by comparing changes in the fair value of loans attributable to changes in reference interest rates with changes in the fair value of interest rate swaps.</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:130%">In addition, in order to access international markets with the aim of obtaining sources of financing, some Consumer Group&#180;s entities issue fixed rate debt in their own currency and in other currencies that differ from their functional currency. Therefore, they are exposed to changes in both interest rates and exchange rates, which they mitigate with derivatives (interest rate swaps, fx forward and cross currency swaps) in which they receive a fixed interest rate and pay a variable interest rate, implemented with a fair value hedge.</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:130%">The cash flow hedges of the Grupo Santander&#180;s entities hedge the foreign currency risk of loans and financing. </span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Finally, it has hedges of net investments abroad to hedge the foreign exchange risk of the shareholding in NOK, CNY, PLN, CAD and CHF currencies.</span></div><div style="margin-bottom:9pt;margin-top:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico, applies accounting hedges for both fair value and cash flows through micro-hedging structures to mitigate risks arising from fluctuations in interest rates and exchange rates.</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:130%">In its cash flow hedges, the Bank is primarily exposed to exchange rate risk stemming from portfolios of Mexican government bonds issued in a currency other than its functional currency, Brazilian government bonds denominated in reais, US Treasury bonds in dollars, and fixed-rate debt issuances in USD. These exposures are mitigated through fixed-rate cross-currency swaps and FX forward contracts, using different currency combinations (MXN, USD, and BRL) depending on the nature of each portfolio.</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:130%">The Bank also maintains exposures to interest rate risk associated with bank loans and commercial loans, both fixed-rate and floating-rate. To manage this risk, interest rate swaps are used, whereby the Bank exchanges fixed-rate cash flows for variable-rate cash flows or vice versa, in order to stabilize future cash flows.</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:130%">In its fair value hedges, Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico holds portfolios of long-term, fixed-rate commercial loans and Mexican government bonds, denominated in both local and non-functional currencies. These portfolios are exposed to changes in fair value resulting from fluctuations in market interest rates and, where applicable, exchange rates. These exposures are mitigated through interest rate swaps and cross-currency swaps, designated as hedging instruments.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Only interest rate and exchange rate risks are hedged, while other risks, such as credit risk, are managed by the entity but are not designated as hedged risks within the hedging relationships. The effectiveness of the hedges is assessed by comparing the changes in the fair value of the hedged items attributable to the hedged risk with the changes in the fair value of the derivative instruments. </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:130%">Banco Santander (Brasil) S.A. has fair value and cash flow hedges to mitigate risks arising from market interest rate fluctuations.</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:130%">In market risk hedging, the Bank protects recognized assets and liabilities against changes in interest rates, exchange rates, and inflation. The risk management methodology segments exposures by risk factor (BRL/USD exchange rate risk, BRL fixed interest rate risk, USD foreign exchange coupon risk, inflation risk, among others). To mitigate these risks, the Bank primarily uses interest rate swaps, currency swaps, and futures contracts, designated as hedging instruments within hedge accounting structures. The results derived from hedging instruments and hedged items are recognized directly in the income statement.</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:130%">In cash flow hedging, Banco Santander (Brasil) S.A. hedges its exposure to cash flow variability, primarily associated with interest payments and exchange rate movements, arising from assets and liabilities denominated in foreign currency or at variable rates. To this end, futures contracts and interest rate swaps are used to provide predictability to future cash flows. The effective portion of the change in the value of the hedging instruments is temporarily recognized in equity and reclassified to profit or loss when the anticipated transaction occurs, while the ineffective portion is recognized directly in profit or loss. As of December 31, 2025, no amounts corresponding to the ineffective portion have been recorded.</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:130%">Additionally, Banco Santander - Chile uses fair value hedges with cross currency swaps, interest rate swaps and call money swaps to hedge its exposure to changes in the fair value of the hedged item attributable to interest rates. The aforementioned hedging instruments modify the effective cost of long-term issues, from a fixed interest rate to a variable interest rate. </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:130%">In addition, it also makes cash flow hedges in which it uses cross currency swaps to cover the risk of variability of flows attributable to changes in the interest rate of bonds and interbank loans issued at variable rates, as well as to cover the variation of foreign currency, mainly in United States dollars. To hedge the inflation risk present in certain items, it uses both forwards and cross currency swaps.</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:130%">At Santander Bank, National Association, Interest Rate Swaps are used to leave commercial loans at a fixed rate at a variable rate in USD indexed to 1-month Libor or SOFR, under cash flow hedges.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">271</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1054"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-254"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDetailedInformationAboutHedgedItemsExplanatory" id="f-9890" continuedAt="f-9890-1" escape="true"><ix:continuation id="f-7682-20" continuedAt="f-7682-21"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Regarding the hedged items, the following table shows the detail of the type of hedging, the risk that is hedged and which products are being hedged  at 31 December 2025,  2024 and 2023. The products that are being hedged are mainly borrowed deposits, financial deposits, loans, government bonds as assets and financial bonds as liabilities: </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:16.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.862%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.085%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.720%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" rowspan="4" style="padding:0 1pt"/><td colspan="27" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr style="height:11pt"><td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr style="height:33pt"><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Carrying amount of hedged items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Accumulated amount of fair value adjustments on the hedged item</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Balance&#160;sheet&#160;line&#160;item</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Change in fair value of hedged item for ineffectiveness assessment</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Cash flow reserves or conversion reserves</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Continuing hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Discontinued hedges</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3080" decimals="-6" name="ifrs-full:HedgedItemAssets" format="ixt:num-dot-decimal" scale="6" id="f-9891">166,907</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 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Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3080" decimals="-6" sign="-" name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges" scale="6" id="f-9893">191</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3080" decimals="-6" name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro" scale="6" id="f-9894">490</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Loans and advances / Deposits and Debt securities / Debt securities issued</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3081" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-9895">461</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3080" decimals="-6" name="san:CashFlowReservesOrConversionReservesContinuingHedges" format="ixt:fixed-zero" scale="6" id="f-9896">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3080" decimals="-6" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" format="ixt:fixed-zero" scale="6" id="f-9897">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3082" decimals="-6" name="ifrs-full:HedgedItemAssets" format="ixt:num-dot-decimal" scale="6" id="f-9898">152,380</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3082" decimals="-6" name="ifrs-full:HedgedItemLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9899">93,395</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" 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name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges" format="ixt:fixed-zero" scale="6" id="f-9935">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3104" decimals="-6" name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro" format="ixt:fixed-zero" scale="6" id="f-9936">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="2" style="border-top:0.25pt solid 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style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4532" decimals="-6" name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges" format="ixt:fixed-zero" scale="6" id="f-9942">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4532" decimals="-6" name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro" format="ixt:fixed-zero" scale="6" id="f-9943">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4533" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:fixed-zero" scale="6" id="f-9944">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt 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#9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-9947">1,063</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3112" decimals="-6" name="san:CashFlowReservesOrConversionReservesContinuingHedges" scale="6" id="f-9948">401</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4534" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:fixed-zero" scale="6" id="f-9965">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4535" decimals="-6" name="san:CashFlowReservesOrConversionReservesContinuingHedges" format="ixt:fixed-zero" scale="6" id="f-9966">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4535" decimals="-6" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" format="ixt:fixed-zero" scale="6" id="f-9967">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net foreign investments hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3144" decimals="-6" name="ifrs-full:HedgedItemAssets" format="ixt:num-dot-decimal" scale="6" id="f-9968">19,666</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3144" decimals="-6" name="ifrs-full:HedgedItemLiabilities" format="ixt:fixed-zero" scale="6" id="f-9969">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3145" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-9970">136</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3144" decimals="-6" sign="-" name="san:CashFlowReservesOrConversionReservesContinuingHedges" format="ixt:num-dot-decimal" scale="6" id="f-9971">7,867</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3144" decimals="-6" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" scale="6" id="f-9972">2</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3146" decimals="-6" name="ifrs-full:HedgedItemAssets" format="ixt:num-dot-decimal" scale="6" id="f-9973">19,666</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3146" decimals="-6" name="ifrs-full:HedgedItemLiabilities" format="ixt:fixed-zero" scale="6" id="f-9974">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:HedgedItemAssets" format="ixt:num-dot-decimal" scale="6" id="f-9978">186,573</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:HedgedItemLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9979">107,124</ix:nonFraction></span><span style="color:#000000;font-family:'Santander 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#ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro" scale="6" id="f-9981">490</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-9982">738</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" sign="-" name="san:CashFlowReservesOrConversionReservesContinuingHedges" format="ixt:num-dot-decimal" scale="6" id="f-9983">7,466</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" scale="6" id="f-9984">237</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:nonNumeric><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">272</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-255"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-9890-1"><ix:continuation id="f-7682-21" continuedAt="f-7682-22"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:16.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.862%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.085%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.720%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" rowspan="4" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="27" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr style="height:11pt"><td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr style="height:33pt"><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Carrying amount of hedged items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Accumulated amount of fair value adjustments on the hedged item</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Balance&#160;sheet&#160;line&#160;item</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Change in fair value of hedged item for ineffectiveness assessment</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Cash flow reserves or conversion reserves</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Continuing hedges</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Discontinued hedges</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3154" decimals="-6" name="ifrs-full:HedgedItemLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9993">23,780</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3154" decimals="-6" sign="-" name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges" format="ixt:num-dot-decimal" scale="6" id="f-9994">1,345</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3154" decimals="-6" sign="-" name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro" format="ixt:num-dot-decimal" scale="6" id="f-9995">1,176</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3155" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-9996">343</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3154" decimals="-6" name="san:CashFlowReservesOrConversionReservesContinuingHedges" format="ixt:fixed-zero" scale="6" id="f-9997">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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name="san:CashFlowReservesOrConversionReservesContinuingHedges" format="ixt:fixed-zero" scale="6" id="f-10004">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3158" decimals="-6" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" format="ixt:fixed-zero" scale="6" id="f-10005">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges" format="ixt:fixed-zero" scale="6" id="f-10036">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4540" decimals="-6" name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro" format="ixt:fixed-zero" scale="6" id="f-10037">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid 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solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4540" decimals="-6" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" format="ixt:fixed-zero" scale="6" id="f-10040">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3181" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-10044">156</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3180" decimals="-6" sign="-" name="san:CashFlowReservesOrConversionReservesContinuingHedges" scale="6" id="f-10045">794</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3186" decimals="-6" name="san:CashFlowReservesOrConversionReservesContinuingHedges" scale="6" id="f-10048">213</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3186" decimals="-6" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" scale="6" id="f-10049">19</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td 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Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3193" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-10050">40</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3192" decimals="-6" name="san:CashFlowReservesOrConversionReservesContinuingHedges" scale="6" id="f-10051">11</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3192" decimals="-6" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" format="ixt:fixed-zero" scale="6" id="f-10052">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3199" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-10053">69</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3198" decimals="-6" name="san:CashFlowReservesOrConversionReservesContinuingHedges" scale="6" id="f-10054">82</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3198" decimals="-6" sign="-" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" scale="6" id="f-10055">52</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equity risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3203" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-10056">2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3202" decimals="-6" name="san:CashFlowReservesOrConversionReservesContinuingHedges" scale="6" id="f-10057">10</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3202" decimals="-6" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" format="ixt:fixed-zero" scale="6" id="f-10058">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net foreign investments hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3206" decimals="-6" name="ifrs-full:HedgedItemAssets" format="ixt:num-dot-decimal" scale="6" id="f-10059">23,559</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3206" decimals="-6" name="ifrs-full:HedgedItemLiabilities" format="ixt:fixed-zero" scale="6" id="f-10060">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3207" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-10061">420</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3206" decimals="-6" sign="-" name="san:CashFlowReservesOrConversionReservesContinuingHedges" format="ixt:num-dot-decimal" scale="6" id="f-10062">8,002</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3206" decimals="-6" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" format="ixt:fixed-zero" scale="6" id="f-10063">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3208" decimals="-6" name="ifrs-full:HedgedItemAssets" format="ixt:num-dot-decimal" scale="6" id="f-10064">23,559</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3208" decimals="-6" name="ifrs-full:HedgedItemLiabilities" format="ixt:fixed-zero" scale="6" id="f-10065">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td 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id="f-10067">8,002</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3208" decimals="-6" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" format="ixt:fixed-zero" scale="6" id="f-10068">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:HedgedItemAssets" format="ixt:num-dot-decimal" scale="6" id="f-10069">162,465</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:HedgedItemLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10070">32,642</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges" format="ixt:num-dot-decimal" scale="6" id="f-10071">1,412</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-10073">1,445</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="san:CashFlowReservesOrConversionReservesContinuingHedges" format="ixt:num-dot-decimal" scale="6" id="f-10074">8,480</ix:nonFraction>)</span></td><td 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style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:16.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.862%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.307%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.085%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.085%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.016%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" rowspan="4" style="border-bottom:0.5pt solid #ec0000;border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr style="height:11pt"><td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr style="height:33pt"><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Carrying amount of hedged items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Accumulated amount of fair value adjustments on the hedged item</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Balance&#160;sheet&#160;line&#160;item</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Change in fair value of hedged item for ineffectiveness assessment</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Cash flow reserves or conversion reserves</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:1pt solid #c3dee7;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt 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Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3212" decimals="-6" sign="-" name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges" format="ixt:num-dot-decimal" scale="6" id="f-10078">1,798</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3212" decimals="-6" sign="-" name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro" format="ixt:num-dot-decimal" scale="6" id="f-10079">1,652</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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id="f-10095">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3218" decimals="-6" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" format="ixt:fixed-zero" scale="6" id="f-10096">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest and Exchange rate 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solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3224" decimals="-6" sign="-" name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges" scale="6" id="f-10099">115</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3224" 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3224" decimals="-6" name="san:CashFlowReservesOrConversionReservesContinuingHedges" format="ixt:fixed-zero" scale="6" id="f-10102">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3224" decimals="-6" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" format="ixt:fixed-zero" scale="6" id="f-10103">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4542" decimals="-6" name="ifrs-full:HedgedItemLiabilities" format="ixt:fixed-zero" scale="6" id="f-10105">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4542" decimals="-6" name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges" format="ixt:fixed-zero" scale="6" id="f-10106">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4542" decimals="-6" name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro" format="ixt:fixed-zero" scale="6" id="f-10107">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4543" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:fixed-zero" scale="6" id="f-10108">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4542" decimals="-6" name="san:CashFlowReservesOrConversionReservesContinuingHedges" format="ixt:fixed-zero" scale="6" id="f-10109">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4542" decimals="-6" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" format="ixt:fixed-zero" scale="6" id="f-10110">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4544" decimals="-6" name="ifrs-full:HedgedItemAssets" format="ixt:fixed-zero" scale="6" id="f-10111">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4544" decimals="-6" name="ifrs-full:HedgedItemLiabilities" format="ixt:fixed-zero" scale="6" id="f-10112">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4544" decimals="-6" name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges" format="ixt:fixed-zero" scale="6" id="f-10113">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4544" decimals="-6" name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro" format="ixt:fixed-zero" scale="6" id="f-10114">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4545" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:fixed-zero" scale="6" id="f-10115">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4544" decimals="-6" name="san:CashFlowReservesOrConversionReservesContinuingHedges" format="ixt:fixed-zero" scale="6" id="f-10116">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4544" decimals="-6" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" format="ixt:fixed-zero" scale="6" id="f-10117">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 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#ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3231" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-10118">1,824</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3230" decimals="-6" sign="-" name="san:CashFlowReservesOrConversionReservesContinuingHedges" scale="6" id="f-10119">813</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3230" decimals="-6" sign="-" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" scale="6" id="f-10120">173</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3233" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-10121">2,182</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3232" decimals="-6" sign="-" name="san:CashFlowReservesOrConversionReservesContinuingHedges" scale="6" id="f-10122">797</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3232" decimals="-6" sign="-" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" scale="6" id="f-10123">77</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3239" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-10124">500</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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id="f-10132">96</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equity risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" 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format="ixt:num-dot-decimal" scale="6" id="f-10136">18,706</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3258" decimals="-6" name="ifrs-full:HedgedItemLiabilities" format="ixt:fixed-zero" scale="6" id="f-10137">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3259" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-10138">1,888</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3258" decimals="-6" sign="-" name="san:CashFlowReservesOrConversionReservesContinuingHedges" format="ixt:num-dot-decimal" scale="6" id="f-10139">8,684</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3258" decimals="-6" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" format="ixt:fixed-zero" scale="6" id="f-10140">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3260" decimals="-6" name="ifrs-full:HedgedItemAssets" format="ixt:num-dot-decimal" scale="6" id="f-10141">18,706</ix:nonFraction>&#160;</span></td><td 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id="f-10144">8,684</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3260" decimals="-6" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" format="ixt:fixed-zero" scale="6" id="f-10145">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:HedgedItemAssets" format="ixt:num-dot-decimal" scale="6" id="f-10146">152,801</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:HedgedItemLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10147">26,946</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges" format="ixt:num-dot-decimal" scale="6" id="f-10148">1,798</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro" format="ixt:num-dot-decimal" scale="6" id="f-10149">1,652</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-10150">1,992</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="san:CashFlowReservesOrConversionReservesContinuingHedges" format="ixt:num-dot-decimal" scale="6" id="f-10151">9,497</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="san:CashFlowReservesOrConversionReservesDiscontinuedHedges" scale="6" id="f-10152">173</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div style="margin-bottom:9pt;text-align:center"><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">273</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-256"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-7682-22" continuedAt="f-7682-23"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The cumulative amount of adjustments of the fair value hedging instruments that remain in the balance for hedges items that are no longer adjusted by profit and loss of coverage as at 31 December 2025 is EUR <ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets" scale="6" id="f-10153">227</ix:nonFraction> losses (EUR <ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets" scale="6" id="f-10154">775</ix:nonFraction>&#160;million and EUR <ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets" format="ixt:num-dot-decimal" scale="6" id="f-10155">1,006</ix:nonFraction>&#160;million losses in 2024 and 2023, respectively).</span></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfInformationAboutAmountsThatAffectedStatementOfComprehensiveIncomeAsResultOfHedgeAccountingExplanatory" id="f-10156" continuedAt="f-10156-1" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The net impact of the hedges are shown in the following table:</span></div></ix:nonNumeric></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><ix:continuation id="f-10156-1" continuedAt="f-10156-2"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:25.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.347%"/><td style="width:0.1%"/></tr><tr style="height:12pt"><td colspan="3" rowspan="4" style="padding:0 1pt"/><td colspan="15" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr style="height:12pt"><td colspan="15" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr style="height:21pt"><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Earnings/(losses) recognised in another cumulative overall result</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Ineffective  recognised in the income statement</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Line of the income statement that includes the ineffectiveness of cash flows</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Reclassified amount of reserves to the income statement due to:</span></td></tr><tr style="height:39pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cover transaction affecting the income statement</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Line of the income statement that includes reclassified items</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3081" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-10157">7</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gains or losses financial assets/liabilities</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest rate risk</span></div></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3083" decimals="-6" sign="-" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-10158">33</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3091" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-10159">3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate and exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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scale="6" id="f-10182">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4553" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" scale="6" id="f-10183">136</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4553" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-10184">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4553" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-10185">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4554" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10186">1,199</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4554" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-10187">11</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4554" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" scale="6" id="f-10188">706</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">274</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-257"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-10156-2"><ix:continuation id="f-7682-23" continuedAt="f-7682-24"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:25.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.347%"/><td style="width:0.1%"/></tr><tr style="height:12pt"><td colspan="3" rowspan="4" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="15" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr style="height:12pt"><td colspan="15" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr style="height:21pt"><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Earnings/(losses) recognised in another cumulative overall result</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Ineffective  recognised in the income statement</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Line of the income statement that includes the ineffectiveness of cash flows</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Reclassified amount of reserves to the income statement due to:</span></td></tr><tr style="height:39pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cover transaction affecting the income statement</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Line of the income statement that includes reclassified items</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3153" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-10189">22</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gains or losses financial assets/liabilities</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Interest rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3155" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-10190">30</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3159" decimals="-6" sign="-" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-10191">17</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate and exchange rate risk</span></td><td colspan="3" 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4555" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-10195">1,256</ix:nonFraction>)</span></td><td 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name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-10216">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4563" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" scale="6" id="f-10217">978</ix:nonFraction></span><span style="color:#000000;font-family:'Santander 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style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:25.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.347%"/><td style="width:0.1%"/></tr><tr style="height:12pt"><td colspan="3" rowspan="4" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="15" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr style="height:12pt"><td colspan="15" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr style="height:21pt"><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Earnings/(losses) recognised in another cumulative overall result</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Ineffective coverage recognised in the income statement</span></td><td 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statement</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Line of the income statement that includes reclassified items</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3213" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-10220">59</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gains or losses financial assets/liabilities</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Interest rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3215" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-10221">72</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3219" decimals="-6" sign="-" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-10222">38</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td 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name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-10223">25</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4564" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10224">2,592</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4564" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-10225">4</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gains or losses financial assets/liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4564" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-10226">2,622</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest margin/Gains or losses financial assets/liabilities</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4565" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10227">2,179</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4565" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-10228">2</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4565" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-10229">1,647</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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contextRef="c-4566" decimals="-6" sign="-" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-10231">1</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4566" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" scale="6" id="f-10232">416</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4567" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" scale="6" id="f-10233">164</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4567" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-10234">2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4567" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" scale="6" id="f-10235">431</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4568" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" scale="6" id="f-10236">233</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4568" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-10237">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4568" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" scale="6" id="f-10238">128</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4569" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" scale="6" id="f-10239">9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4569" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-10240">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4569" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" scale="6" id="f-10241">0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net foreign investments hedges<br/>hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4570" decimals="-6" sign="-" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10242">1,888</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4570" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-10243">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4570" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-10244">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4571" decimals="-6" sign="-" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10245">1,888</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4571" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" format="ixt:fixed-zero" scale="6" id="f-10246">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4571" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-10247">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4572" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" scale="6" id="f-10248">704</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4572" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-10249">63</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4572" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-10250">2,622</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"/></tr></table></div></ix:continuation></ix:continuation><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">275</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-258"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfReconciliationOfHedgingComponentsInOtherComprehensiveIncomeTableTextBlock" id="f-10251" continuedAt="f-10251-1" escape="true"><ix:continuation id="f-7682-24" continuedAt="f-7682-25"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table shows the movement in the impact of equity for the year:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:60.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.554%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.554%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.555%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 8.09pt 0 1pt;text-indent:-7.09pt"><div style="margin-bottom:6pt;padding-right:7.09pt;text-align:justify;text-indent:-7.09pt"></div></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="san:ReserveOfHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-10252">8,300</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="san:ReserveOfHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-10253">9,424</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-241" decimals="-6" sign="-" name="san:ReserveOfHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-10254">9,187</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3113" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10255">1,049</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3179" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" scale="6" id="f-10256">558</ix:nonFraction></span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3231" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10257">2,592</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3115" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10258">1,155</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3181" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" scale="6" id="f-10259">163</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3233" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10260">2,179</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">A) Not designated elements - linked to a time period</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4573" decimals="-6" sign="-" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" scale="6" id="f-10261">19</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4574" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-10262">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4575" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-10263">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:17.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain or loss in value - recognized in equity</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4573" decimals="-6" sign="-" name="san:GainLossInValueRecognisedInEquity" scale="6" id="f-10264">19</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4574" decimals="-6" name="san:GainLossInValueRecognisedInEquity" format="ixt:fixed-zero" scale="6" id="f-10265">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4575" decimals="-6" name="san:GainLossInValueRecognisedInEquity" format="ixt:fixed-zero" scale="6" id="f-10266">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4573" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-10267">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4574" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-10268">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4575" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-10269">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:17.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other reclassifications</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4573" decimals="-6" name="san:OtherReclassificationAdjustmentsReserveOfHedgingInstruments" format="ixt:fixed-zero" scale="6" id="f-10270">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4574" decimals="-6" name="san:OtherReclassificationAdjustmentsReserveOfHedgingInstruments" format="ixt:fixed-zero" scale="6" id="f-10271">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4575" decimals="-6" name="san:OtherReclassificationAdjustmentsReserveOfHedgingInstruments" format="ixt:fixed-zero" scale="6" id="f-10272">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">B) Not designated elements - linked to a transaction</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4576" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-10273">&#8212;</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4577" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-10274">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4578" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-10275">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td 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name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-10320">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">C) Designated elements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4549" decimals="-6" 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id="f-10338">105</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3141" decimals="-6" sign="-" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" scale="6" id="f-10339">16</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 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id="f-10341">9</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">A) Not designated elements - linked to a time period</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4591" decimals="-6" sign="-" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" scale="6" id="f-10342">6</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4592" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-10343">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid 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colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4591" decimals="-6" sign="-" name="san:GainLossInValueRecognisedInEquity" scale="6" id="f-10345">8</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4592" decimals="-6" name="san:GainLossInValueRecognisedInEquity" format="ixt:fixed-zero" scale="6" id="f-10346">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4593" decimals="-6" name="san:GainLossInValueRecognisedInEquity" format="ixt:fixed-zero" scale="6" id="f-10347">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4591" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" scale="6" id="f-10348">2</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4592" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-10349">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4593" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-10350">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:17.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other reclassifications</span></div></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4591" decimals="-6" name="san:OtherReclassificationAdjustmentsReserveOfHedgingInstruments" format="ixt:fixed-zero" scale="6" id="f-10351">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4592" decimals="-6" name="san:OtherReclassificationAdjustmentsReserveOfHedgingInstruments" format="ixt:fixed-zero" scale="6" id="f-10352">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4593" decimals="-6" name="san:OtherReclassificationAdjustmentsReserveOfHedgingInstruments" format="ixt:fixed-zero" scale="6" id="f-10353">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">B) Not designated elements - linked to a transaction</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4594" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-10354">&#8212;</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4595" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-10355">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4596" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-10356">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">C) Designated elements</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4551" decimals="-6" sign="-" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" scale="6" id="f-10357">10</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 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style="width:1.0%"/><td style="width:11.554%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.555%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4551" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-10360">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4560" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-10361">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4569" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-10362">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain or loss in value CFE - recognized in equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4551" decimals="-6" sign="-" name="san:GainLossInValueRecognisedInEquity" scale="6" id="f-10363">10</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4560" decimals="-6" sign="-" name="san:GainLossInValueRecognisedInEquity" scale="6" id="f-10364">2</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4569" decimals="-6" name="san:GainLossInValueRecognisedInEquity" scale="6" id="f-10365">9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Net foreign investments hedges</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3145" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" scale="6" id="f-10366">136</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3207" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" scale="6" id="f-10367">420</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3259" decimals="-6" sign="-" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10368">1,888</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3147" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" scale="6" id="f-10369">136</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3209" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" scale="6" id="f-10370">420</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3261" decimals="-6" sign="-" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10371">1,888</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">A) Not designated elements - linked to a time period</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4597" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-10372">&#8212;</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4598" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-10373">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4599" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-10374">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">B) Not designated elements - linked to a transaction</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4600" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-10375">&#8212;</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4601" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-10376">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4602" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-10377">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">C) Designated elements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4553" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" scale="6" id="f-10378">136</ix:nonFraction></span><span style="color:#990000;font-family:'Santander 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name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10380">1,888</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4553" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-10381">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4562" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-10382">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4571" decimals="-6" name="san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" 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style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">B) Not designated elements - linked to a transaction</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4618" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-10414">&#8212;</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4619" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-10415">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4620" decimals="-6" name="san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-10416">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Minorities, taxes and others</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3145" decimals="-6" sign="-" name="san:NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome" scale="6" id="f-10417">330</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3207" decimals="-6" name="san:NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome" scale="6" id="f-10418">146</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3259" decimals="-6" sign="-" name="san:NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome" scale="6" id="f-10419">941</ix:nonFraction>)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">Balance at end of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" sign="-" name="san:ReserveOfHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-10420">7,445</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="san:ReserveOfHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-10421">8,300</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="san:ReserveOfHedgingInstruments" format="ixt:num-dot-decimal" scale="6" id="f-10422">9,424</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1057"></div><div style="margin-bottom:6pt"><span><br/></span></div><div style="margin-bottom:6pt"><span id="ic1d8f02e12654495ba1a5bbaf4cfb8c9"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">37. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDiscontinuedOperationsExplanatory" id="f-10423" continuedAt="f-10423-1" escape="true">Discontinued operations</ix:nonNumeric></span></div><ix:continuation id="f-10423-1" continuedAt="f-10423-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As a result of the agreement for the sale of part of the Polish business, the effect of these businesses on the consolidated income statement of 2025 has been classified under the line item 'Profit/(loss) after tax from discontinued operations', with the same classification applied for comparative purposes in the consolidated income statement of years 2024 and 2023 (see Note 3).</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i3e43c14d3f6246aaa8000757a85fe2db"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown</span></div><ix:nonNumeric contextRef="c-1" name="san:DiscontinuedOperationsConsolidatedIncomeAndCashFlowStatementsTableTextBlock" id="f-10424" continuedAt="f-10424-1" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following is a breakdown of the heading 'Profit/loss after tax from discontinued operations' at 31 December of 2025, 2024 and 2023:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:55.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.407%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">Entities held for sale</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Bank Polska (Note 3)</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1630" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-10425">1,542</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1631" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-10426">1,241</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1632" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-10427">1,058</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">Profit/loss after tax from discontinued operations</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-10428">1,542</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-10429">1,241</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-10430">1,058</ix:nonFraction></span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="margin-bottom:6pt;margin-top:9pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">276</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-259"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-10423-2"><div style="margin-bottom:6pt;margin-top:9pt"><span id="id047b6c8096344d99edc2514b6af0369"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Gains or losses from entities held for sale</span></div><ix:continuation id="f-10424-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following are the consolidated summary profit and loss accounts for the business held for sale in Poland:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:55.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.407%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Condensed consolidated income statements</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest margin</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1633" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="f-10431">3,006</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1634" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="f-10432">2,881</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1635" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="f-10433">2,611</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Dividend income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1633" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-10434">4</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1634" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-10435">4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1635" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-10436">3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Investments accounted for using the equity method</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1633" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-10437">28</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1634" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-10438">24</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1635" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-10439">22</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net commissions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1633" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-10440">685</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1634" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-10441">634</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1635" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-10442">562</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net trading income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1633" decimals="-6" name="ifrs-full:TradingIncomeExpense" scale="6" id="f-10443">74</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1634" decimals="-6" name="ifrs-full:TradingIncomeExpense" scale="6" id="f-10444">62</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1635" decimals="-6" name="ifrs-full:TradingIncomeExpense" scale="6" id="f-10445">68</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating results</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1633" decimals="-6" sign="-" name="ifrs-full:OtherOperatingIncomeExpense" scale="6" id="f-10446">77</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1634" decimals="-6" sign="-" name="ifrs-full:OtherOperatingIncomeExpense" scale="6" id="f-10447">109</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1635" decimals="-6" sign="-" name="ifrs-full:OtherOperatingIncomeExpense" scale="6" id="f-10448">94</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total 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decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-10450">3,496</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1635" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-10451">3,172</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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#ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1634" decimals="-6" name="san:AdministrativeExpensesDepreciationAndAmortisationCost" scale="6" id="f-10453">885</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1635" decimals="-6" name="san:AdministrativeExpensesDepreciationAndAmortisationCost" scale="6" id="f-10454">793</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment of financial assets</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"> A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1633" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-10455">285</ix:nonFraction>)</span></td><td 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name="ifrs-full:InterestExpenseOnDepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-10493">35,714</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:InterestExpenseOnDepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-10494">32,457</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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contextRef="c-86" decimals="-6" name="ifrs-full:InterestExpenseOnDebtInstrumentsIssued" format="ixt:num-dot-decimal" scale="6" id="f-10496">14,612</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:InterestExpenseOnDebtInstrumentsIssued" format="ixt:num-dot-decimal" scale="6" id="f-10497">12,671</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Most of the interest expense and similar charges was generated by the Group&#8217;s financial liabilities that are measured at amortised cost.</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1066"></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="i8cf3b92847394e56acac5f1b08704808"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">40. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDividendsExplanatory" id="f-10519" continuedAt="f-10519-1" escape="true">Dividend income</ix:nonNumeric></span></div><ix:continuation id="f-10519-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Dividend income includes the dividends and payments on equity instruments out of profits generated by investees after the acquisition of the equity interest.</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfDividendsTableTextBlock" id="f-10520" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of income from dividends 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:99.782%"><tr><td style="width:1.0%"/><td style="width:53.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.023%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.025%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4624" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-10521">556</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4625" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-10522">521</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-90" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-10529">86</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-10530">715</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-10531">710</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-10532">568</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1069"></div><div style="margin-bottom:6pt;margin-top:24pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">277</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-260"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt"><span id="i75441ef73b574be2983a7f5196ea6976"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">41. <ix:nonNumeric contextRef="c-1" name="san:DisclosureOfFeeAndCommissionIncomeTextBlock" id="f-10533" continuedAt="f-10533-1" escape="true">Commission income</ix:nonNumeric></span></div><ix:continuation id="f-10533-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Commission income comprises the amount of all fees and commissions accruing in favour of the Group in the year, except those that form an integral part of the effective interest rate on financial instruments.</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfFeeAndCommissionIncomeTableTextBlock" id="f-10534" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of fee and commission income 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:99.782%"><tr><td style="width:1.0%"/><td style="width:55.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.407%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Coming from collection and payment services</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Bills</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:CreditRelatedFeeAndCommissionIncomeBills" scale="6" id="f-10535">209</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:CreditRelatedFeeAndCommissionIncomeBills" scale="6" id="f-10536">220</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:CreditRelatedFeeAndCommissionIncomeBills" scale="6" id="f-10537">232</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Demand accounts</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:CreditRelatedFeeAndCommissionIncomeDemandAccounts" format="ixt:num-dot-decimal" scale="6" id="f-10538">1,359</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:CreditRelatedFeeAndCommissionIncomeDemandAccounts" format="ixt:num-dot-decimal" scale="6" id="f-10539">1,411</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:CreditRelatedFeeAndCommissionIncomeDemandAccounts" format="ixt:num-dot-decimal" scale="6" id="f-10540">1,372</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cards</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:CreditRelatedFeeAndCommissionIncomeCards" format="ixt:num-dot-decimal" scale="6" id="f-10541">4,039</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:CreditRelatedFeeAndCommissionIncomeCards" format="ixt:num-dot-decimal" scale="6" id="f-10542">4,067</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:CreditRelatedFeeAndCommissionIncomeCards" format="ixt:num-dot-decimal" scale="6" id="f-10543">4,146</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Orders</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:CreditRelatedFeeAndCommissionIncomeOrders" scale="6" id="f-10544">607</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:CreditRelatedFeeAndCommissionIncomeOrders" scale="6" id="f-10545">657</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:CreditRelatedFeeAndCommissionIncomeOrders" scale="6" id="f-10546">656</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cheques and other</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:CreditRelatedFeeAndCommissionIncomeChequesAndOther" scale="6" id="f-10547">140</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:CreditRelatedFeeAndCommissionIncomeChequesAndOther" scale="6" id="f-10548">138</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:CreditRelatedFeeAndCommissionIncomeChequesAndOther" scale="6" id="f-10549">128</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:CreditrelatedFeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="f-10550">6,354</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:CreditrelatedFeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="f-10551">6,493</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" 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style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:AssignedThirdPartyCommissionsCollectionExpense" scale="6" id="f-10615">30</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:AssignedThirdPartyCommissionsCollectionExpense" scale="6" id="f-10616">30</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:AssignedThirdPartyCommissionsCollectionExpense" scale="6" id="f-10617">24</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial guarantees and other commitments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments" scale="6" id="f-10618">359</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments" scale="6" id="f-10619">323</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:BrokerageFeeExpense" scale="6" id="f-10621">130</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:BrokerageFeeExpense" scale="6" id="f-10622">181</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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name="san:CommissionsOnSalesOfInsuranceAndFunds" scale="6" id="f-10624">456</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:CommissionsOnSalesOfInsuranceAndFunds" scale="6" id="f-10625">453</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:CommissionsOnSalesOfInsuranceAndFunds" scale="6" id="f-10626">352</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other fees and commissions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherFeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="f-10627">1,692</ix:nonFraction>&#160;</span></td><td 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name="ifrs-full:OtherFeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="f-10629">1,429</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="f-10630">4,411</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="f-10631">4,458</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="f-10632">4,149</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1075"></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="if2043631826744a19e97a278b27fe68e"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">43. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFinancialInstrumentsExplanatory" id="f-10633" continuedAt="f-10633-1" escape="true">Gains or losses on financial assets and liabilities</ix:nonNumeric></span></div><ix:continuation id="f-10633-1" continuedAt="f-10633-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following information is presented below regarding the gains or losses recorded for financial assets or liabilities:</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i83bfac63a19742548b151d90683cb331"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfGainsLossesOnFinancialAssetsAndLiabilitiesTableTextBlock" id="f-10634" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by origin, of Gains/losses on financial assets and liabilities:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:55.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.407%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span 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Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which debt instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4630" decimals="-6" name="san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet" scale="6" id="f-10644">133</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4631" decimals="-6" name="san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet" scale="6" id="f-10645">50</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4632" decimals="-6" name="san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet" scale="6" id="f-10646">51</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid 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scale="6" id="f-10647">1,017</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-10648">1,344</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-10649">2,316</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains or losses on non-trading financial assets and liabilities mandatory at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-10650">1,106</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="f-10651">495</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:GainsLossesOnFinancialAssetsAndLiabilitiesNet" format="ixt:num-dot-decimal" scale="6" id="f-10660">2,427</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:GainsLossesOnFinancialAssetsAndLiabilitiesNet" format="ixt:num-dot-decimal" scale="6" id="f-10661">2,587</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Includes the net result obtained by transactions with debt securities, equity instruments, derivatives and short positions included in this portfolio when the Group jointly manages its risk in these instruments.</span></div></ix:nonNumeric><div style="margin-bottom:9pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfExchangeDifferencesNetTableTextBlock" id="f-10662" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As explained in note 44, the above breakdown should be analysed in conjunction with the 'Exchange differences, net':</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:55.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.407%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Exchange differences, net</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-10663">407</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-10664">216</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" scale="6" id="f-10665">22</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div></ix:nonNumeric></ix:continuation></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">278</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-261"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><ix:continuation id="f-10633-2" continuedAt="f-10633-3"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i8fbc9dd376b94fc4a7f56b206a169c54"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Financial assets and liabilities at fair value through profit or loss</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfFinancialAssetsAtFairValueThroughProfitOrLossTableTextBlock" id="f-10666" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of the amount of the asset balances 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:99.782%"><tr><td style="width:1.0%"/><td style="width:54.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.717%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and receivables:</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-14" decimals="-6" name="san:FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-10667">80,218</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-15" decimals="-6" name="san:FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-10668">72,931</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-16" decimals="-6" name="san:FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-10669">51,072</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-17" decimals="-6" name="san:FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-10670">14,632</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-18" decimals="-6" name="san:FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-10671">12,966</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-19" decimals="-6" name="san:FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-10672">17,717</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="san:FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-10673">26,380</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="san:FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-10674">27,722</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="san:FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-10675">14,520</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td 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Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025 the exposure to credit risk of the derivatives presented in the balance sheet is not significant because they are subject to netting and collateral agreements (see note 51.d).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Loans and advances to credit institutions and Loans and advances includes reverse repos amounting to EUR <ix:nonFraction unitRef="eur" contextRef="c-4633" decimals="-6" name="ifrs-full:ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed" format="ixt:num-dot-decimal" scale="6" id="f-10691">71,129</ix:nonFraction> million at 31 December 2025.</span></div><div 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note&#160;43).</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1081"></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="id72cb740c1304ecdaa97ba55aa6c6091"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">45. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory" id="f-10727" continuedAt="f-10727-1" escape="true">Other operating income and expenses</ix:nonNumeric></span></div><ix:continuation id="f-10727-1" continuedAt="f-10727-2"><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfOtherOperatingIncomeExpenseTableTextBlock" id="f-10728" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Other operating income and Other operating expenses in the consolidated income statements include:</span></div><div 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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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:OtherOperatingIncome1" format="ixt:num-dot-decimal" scale="6" id="f-10729">1,583</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:OtherOperatingIncome1" scale="6" id="f-10730">846</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:OtherOperatingIncome1" format="ixt:num-dot-decimal" scale="6" id="f-10731">1,137</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non- financial services</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:NonFinancialServicesOtherIncomeOperating" scale="6" id="f-10732">738</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:NonFinancialServicesOtherIncomeOperating" scale="6" id="f-10733">654</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:NonFinancialServicesOtherIncomeOperating" scale="6" id="f-10734">752</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingIncome" scale="6" id="f-10735">845</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingIncome" scale="6" id="f-10736">192</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingIncome" scale="6" id="f-10737">385</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other operating expense</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:OtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-10738">2,429</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:OtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-10739">2,595</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:OtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-10740">3,066</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-financial services</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:NonFinancialServicesOtherExpenseOperating" scale="6" id="f-10741">650</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:NonFinancialServicesOtherExpenseOperating" scale="6" id="f-10742">498</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:NonFinancialServicesOtherExpenseOperating" scale="6" id="f-10743">674</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating expense:</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-10744">1,779</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-10745">2,097</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-10746">2,392</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which, credit institutions deposit guarantee fund and single resolution fund</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:DepositGuaranteeFundMiscellaneousOtherOperatingExpense" scale="6" id="f-10747">478</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:DepositGuaranteeFundMiscellaneousOtherOperatingExpense" scale="6" id="f-10748">481</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:DepositGuaranteeFundMiscellaneousOtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-10749">1,083</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:OtherOperatingIncomeExpense" scale="6" id="f-10750">846</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:OtherOperatingIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-10751">1,749</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="ifrs-full:OtherOperatingIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-10752">1,929</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div></ix:nonNumeric><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In the 2025 and 2024 financial years, it was decided that there will not be contribution in Spain to the Single Resolution Fund, as well as a decrease in the contribution to the Deposit Guarantee Fund, by the Single Resolution Board (SRB) and the Deposit Guarantee Fund  Management Committee, respectively. </span></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"><ix:continuation id="f-10727-2">The amount of the Group recognises in relation to income from sub-leases of rights of use is not material.</ix:continuation> </span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1084"></div><div style="margin-bottom:6pt;margin-top:15pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">279</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-262"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:15pt"><span id="i694419efa27747709be44f0a2ef310d7"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">46. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfEmployeeBenefitsExplanatory" id="f-10753" continuedAt="f-10753-1" escape="true">Staff costs</ix:nonNumeric></span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1090"></div><ix:continuation id="f-10753-1" continuedAt="f-10753-2"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i4d455e9c5acf4839a8e63a9d139c4059"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfDetailedInformationAboutPersonnelExpensesExplanatoryTableTextBlock" id="f-10754" escape="true"><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Staff costs is as follows:</span></div><div style="margin-bottom:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:59.085%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.173%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wages and salaries</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:WagesAndSalaries" format="ixt:num-dot-decimal" scale="6" id="f-10755">10,351</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:WagesAndSalaries" format="ixt:num-dot-decimal" scale="6" id="f-10756">10,567</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:WagesAndSalaries" format="ixt:num-dot-decimal" scale="6" id="f-10757">10,042</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Social Security costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:SocialSecurityContributions" format="ixt:num-dot-decimal" scale="6" id="f-10758">1,680</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:SocialSecurityContributions" format="ixt:num-dot-decimal" scale="6" id="f-10759">1,644</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:SocialSecurityContributions" format="ixt:num-dot-decimal" scale="6" id="f-10760">1,576</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Additions to provisions for defined benefit pension plans (note&#160;25)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="f-10761">41</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="f-10762">45</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans" scale="6" id="f-10763">42</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Contributions to defined contribution pension funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="f-10764">332</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="f-10765">354</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherEmployeeExpense" format="ixt:num-dot-decimal" scale="6" id="f-10767">1,252</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:OtherEmployeeExpense" format="ixt:num-dot-decimal" scale="6" id="f-10768">1,241</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:OtherEmployeeExpense" format="ixt:num-dot-decimal" scale="6" id="f-10769">1,332</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="f-10770">13,656</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="f-10771">13,851</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="f-10772">13,299</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1093"></div><ix:continuation id="f-10753-2" continuedAt="f-10753-3"><div style="margin-bottom:6pt;margin-top:9pt"><span id="ifd243c4bb6e9420a9a49d48b3e7fe5b3"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Headcount</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:115%">The number of employees of Grupo Santander at 31 December 2025, 2024 and 2023 is <ix:nonFraction unitRef="employee" contextRef="c-2" decimals="INF" name="ifrs-full:NumberOfEmployees" format="ixt:num-dot-decimal" scale="0" id="f-10773">198,403</ix:nonFraction>, <ix:nonFraction unitRef="employee" contextRef="c-3" decimals="INF" name="ifrs-full:NumberOfEmployees" format="ixt:num-dot-decimal" scale="0" id="f-10774">206,753</ix:nonFraction> and <ix:nonFraction unitRef="employee" contextRef="c-4" decimals="INF" name="ifrs-full:NumberOfEmployees" format="ixt:num-dot-decimal" scale="0" id="f-10775">212,764</ix:nonFraction>, respectively. For the years 2025, 2024 and 2023 the average number of employees of the Group is <ix:nonFraction unitRef="people" contextRef="c-1" decimals="0" name="ifrs-full:AverageNumberOfEmployees" format="ixt:num-dot-decimal" scale="0" id="f-10776">203,572</ix:nonFraction>, <ix:nonFraction unitRef="people" contextRef="c-86" decimals="0" name="ifrs-full:AverageNumberOfEmployees" format="ixt:num-dot-decimal" scale="0" id="f-10777">209,371</ix:nonFraction> and <ix:nonFraction unitRef="people" contextRef="c-87" decimals="0" name="ifrs-full:AverageNumberOfEmployees" format="ixt:num-dot-decimal" scale="0" id="f-10778">211,135</ix:nonFraction> , respectively, being the average number of employees of Banco Santander, S.A. <ix:nonFraction unitRef="people" contextRef="c-4636" decimals="0" name="ifrs-full:AverageNumberOfEmployees" format="ixt:num-dot-decimal" scale="0" id="f-10779">23,207</ix:nonFraction>, <ix:nonFraction unitRef="people" contextRef="c-4637" decimals="0" name="ifrs-full:AverageNumberOfEmployees" format="ixt:num-dot-decimal" scale="0" id="f-10780">23,839</ix:nonFraction> and <ix:nonFraction unitRef="people" contextRef="c-4638" decimals="0" name="ifrs-full:AverageNumberOfEmployees" format="ixt:num-dot-decimal" scale="0" id="f-10781">24,061</ix:nonFraction>, of which <ix:nonFraction unitRef="people" contextRef="c-4639" decimals="0" name="ifrs-full:AverageNumberOfEmployees" scale="0" id="f-10782">17</ix:nonFraction>, <ix:nonFraction unitRef="people" contextRef="c-4640" decimals="0" name="ifrs-full:AverageNumberOfEmployees" scale="0" id="f-10783">15</ix:nonFraction> and <ix:nonFraction unitRef="people" contextRef="c-4641" decimals="0" name="ifrs-full:AverageNumberOfEmployees" scale="0" id="f-10784">16</ix:nonFraction> are executive directors and Senior management, respectively.</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfDetailedInformationAboutEmployeeByGenderExplanatoryTableTextBlock" id="f-10785" continuedAt="f-10785-1" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The functional breakdown (final employment), by gender, at 31 December&#160;2025 is as follows:</span></div></ix:nonNumeric></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><ix:continuation id="f-10753-3" continuedAt="f-10753-4"><ix:continuation id="f-10785-1"><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"/><td style="width:11.232%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.397%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.180%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.180%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.815%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.542%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.289%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.180%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.883%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.666%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.394%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.289%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.586%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.883%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.784%"/><td style="width:0.1%"/></tr><tr><td colspan="39" style="padding:2px 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:105%">Functional&#160;breakdown&#160;by&#160;gender</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Senior executives</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other executives</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other employees</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Men</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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id="f-10791">5,052</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="people" contextRef="c-4645" decimals="0" name="san:NumberOfOthersEmployees" format="ixt:fixed-zero" scale="0" id="f-10792">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="people" contextRef="c-4645" decimals="0" 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id="f-10832">5</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="people" contextRef="c-4665" decimals="0" name="san:NumberOfUndeclaredEmployees" scale="0" id="f-10833">41</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Senior Executives includes employees with job profiles under the following harmonized management levels: Senior Executive VP. Executive VP and VP. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Other Executives includes Directors, Mangers, Experts and Branch Managers.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: This includes employees related to the Group's business held for sale in Poland.</span></div></ix:continuation><div style="padding-left:7.09pt;padding-right:263.62pt;text-indent:-7.09pt"><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The labour relations between employees and the various Group companies are governed by the related collective agreements or similar regulations. </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:130%">The number of Group employees with disabilities at 31 December 2025, 2024 and 2023, was <ix:nonFraction unitRef="people" contextRef="c-1" decimals="INF" name="san:AverageNumberOfEmployeesWithDisabilities" format="ixt:num-dot-decimal" scale="0" id="f-10834">4,854</ix:nonFraction>, <ix:nonFraction unitRef="employee" contextRef="c-86" decimals="INF" name="san:AverageNumberOfEmployeesWithDisabilities" format="ixt:num-dot-decimal" scale="0" id="f-10835">4,828</ix:nonFraction> and <ix:nonFraction unitRef="employee" contextRef="c-87" decimals="INF" name="san:AverageNumberOfEmployeesWithDisabilities" format="ixt:num-dot-decimal" scale="0" id="f-10836">4,701</ix:nonFraction>, respectively.</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:130%">Likewise, the average number of employees of Banco Santander, S.A. with disabilities, equal to or greater than <ix:nonFraction unitRef="number" contextRef="c-4666" decimals="2" name="san:EmployeesWithDisabilitiesThresholdDegreeOfDisability" scale="-2" id="f-10837">33</ix:nonFraction>%, during 2025 was <ix:nonFraction unitRef="employee" contextRef="c-4666" decimals="INF" name="san:AverageNumberOfEmployeesWithDisabilities" scale="0" id="f-10838">419</ix:nonFraction> (<ix:nonFraction unitRef="employee" contextRef="c-4667" decimals="INF" name="san:AverageNumberOfEmployeesWithDisabilities" scale="0" id="f-10839">435</ix:nonFraction> and <ix:nonFraction unitRef="employee" contextRef="c-4668" decimals="INF" name="san:AverageNumberOfEmployeesWithDisabilities" scale="0" id="f-10840">428</ix:nonFraction> employees during 2024 and 2023). At the end of fiscal year 2025, there were <ix:nonFraction unitRef="employee" contextRef="c-1730" decimals="INF" name="san:NumberOfEmployeesWithDisabilitiesAtEndOfPeriod" scale="0" id="f-10841">413</ix:nonFraction> employees (<ix:nonFraction unitRef="employee" contextRef="c-1731" decimals="INF" name="san:NumberOfEmployeesWithDisabilitiesAtEndOfPeriod" scale="0" id="f-10842">432</ix:nonFraction> and <ix:nonFraction unitRef="employee" contextRef="c-1732" decimals="INF" name="san:NumberOfEmployeesWithDisabilitiesAtEndOfPeriod" scale="0" id="f-10843">436</ix:nonFraction> employees at 31 December, 2024 and 2023, respectively).</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:130%">An employee with disabilities is considered to be a person who is recognised by the State or the company in each jurisdiction where the Group operates and that entitles them to receive direct monetary assistance, or other types of aid such as, for example, reduction of their taxes. In the case of Spain, employees with disabilities have been considered to be those with a degree of disabilities greater than or equal to <ix:nonFraction unitRef="number" contextRef="c-2505" decimals="2" name="san:EmployeesWithDisabilitiesThresholdDegreeOfDisability" scale="-2" id="f-10844">33</ix:nonFraction>%.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt"><span id="i6425136598324ad399e750687187848e"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Share-based payments</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:130%">The main share-based payments granted by the Group in force at 31 December,&#160;2025, 2024 and 2023 are described below.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i634d8e2aa9134b8783b4118d8b879f0e"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Bank</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:130%">The variable remuneration policy for the Bank&#8217;s executive directors and certain executive personnel of the Bank and of other Group companies includes Bank share-based payments, the implementation of which requires, in conformity with the law and the Bank&#8217;s Bylaws, specific resolutions to be adopted by the general meeting.</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:130%">Were it necessary or advisable for legal, regulatory or other similar reasons, the delivery mechanisms described below may be adapted in specific cases without altering the maximum number of shares linked to the plan or the essential conditions to which the delivery thereof is subject. </span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">280</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-263"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-10753-4" continuedAt="f-10753-5"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">These adaptations may involve replacing the delivery of shares with the delivery of cash amounts of an equal value.</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:130%">The plans that include share-based payments are as follows: (i)&#160;Deferred and Conditional Variable Remuneration Plan; (ii)&#160;Deferred Multiyear Objectives Variable Remuneration Plan; (iii)&#160;Digital Transformation Award, (iv) Digital Transformation Award 2022, Digital Transformation Award 2023 and (vi) PagoNxt incentive Plan 2024 and 2025 for Santander executives. <ix:nonNumeric contextRef="c-1" name="san:DisclosureOfTermsAndConditionsOfDeferredVariableRemunerationPlansTableTextBlock" id="f-10845" continuedAt="f-10845-1" escape="true">The characteristics of the plans are set forth below: </ix:nonNumeric></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><ix:continuation id="f-10845-1" continuedAt="f-10845-2"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:32.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:32.235%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Deferred variable remuneration systems</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Description and plan beneficiaries</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Conditions</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Calculation Base</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(i) Deferred and conditional variable remuneration plan (2015, 2016, 2017, 2018, 2019, 2020, 2021,  2022, 2023, 2024 and 2025)</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The purpose of these cycles is to defer a portion of the variable remuneration of the beneficiaries over a period of <ix:nonNumeric contextRef="c-4669" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10846">three years</ix:nonNumeric> for the sixth cycles, over <span style="-sec-ix-hidden:f-10847">three</span> or <ix:nonNumeric contextRef="c-4671" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10848">five years</ix:nonNumeric> for the fifth, seventh, eighth, ninth, tenth and eleventh cycles, and over <span style="-sec-ix-hidden:f-10849">four</span> or <ix:nonNumeric contextRef="c-4673" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10850">five years</ix:nonNumeric> for the twelfth cycle, for it to be paid, where appropriate, in cash and in Santander shares. The other portion of the variable remuneration is also to be paid in cash and Santander shares, upon commencement of the cycles, in accordance with the rules set forth below.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Beneficiaries:</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Executive directors and certain executives (including senior management) and employees who assume risk, who perform control functions or receive an overall remuneration which puts them on the same remuneration level as executives and employees who assume risks (fifth cycle).</span></div><div><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">In the case of the sixth, seventh, eighth, ninth, tenth, eleventh twelfth, thirteenth, fourteenth and fifteenth cycle the beneficiaries are Material Risk Takers (Identified staff) that are not beneficiaries of the Deferred Multiyear Objectives Variable Remuneration Plan.</span></div><div><span><br/></span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">For the fifth and sixth cycles (2015 to 2016), the accrual of the deferred compensation is conditioned, in addition to the requirement that the beneficiary remains in the Group's employ, with the exceptions included in the plan regulations on none of the following circumstances existing during the period prior to each delivery, pursuant to the provisions set forth in each case in the plan regulations: </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Poor financial performance of the Group.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Breach by the beneficiary of internal regulations, including, in particular, those relating to risks.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Material restatement of the Group's consolidated financial statements, except when it is required pursuant to a change in accounting standards.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Significant changes in the Group&#8217;s economic capital or risk profile</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In the case of the seventh, eighth, ninth, tenth, eleventh, twelfth, thirteenth, fourteenth and fifteenth cycles, the accrual of deferred compensation is conditioned, in addition to the permanence of the beneficiary in the Group, with the exceptions contained in the plan's regulations, to non-occurrence of a poor performance of the entity as a whole or of a specific division or area of the entity or of the exposures generated by the personnel:</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">i.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:10.75pt">significant failures in risk management by the entity , or by a business unit or risk control unit.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">ii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:9.1pt">the increase suffered by the entity or by a business unit of its capital needs, not foreseen at the time of generation of the exposures.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">iii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.45pt">Regulatory sanctions or judicial sentences for events that could be attributable to the unit or the personnel responsible for those. Also, the breach of internal codes of conduct of the entity.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">iv.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.47pt">Irregular behaviours, whether individual or collective, considering in particular the negative effects derived from the marketing of inappropriate products and the responsibilities of the persons or bodies that made those decisions.</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Fifth cycle (2015):</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Executive directors and members of the Identified Staff with total variable remuneration higher than <ix:nonFraction unitRef="eur" contextRef="c-4674" decimals="-5" name="san:GeneralThresholdOfVariableRemunerationInWhichDeferred" scale="6" id="f-10851">2.6</ix:nonFraction> million euros: <ix:nonFraction unitRef="number" contextRef="c-4675" decimals="2" name="san:VariableRemunerationImmediatePaymentPercentage" scale="-2" id="f-10852">40</ix:nonFraction>% paid immediately and <ix:nonFraction unitRef="number" contextRef="c-4675" decimals="2" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-10853">60</ix:nonFraction>% deferred over <ix:nonNumeric contextRef="c-4674" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10854">5</ix:nonNumeric> years deferral period.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Division managers, country heads (of countries which represent at least <ix:nonFraction unitRef="number" contextRef="c-1" decimals="4" name="san:VariableRemunerationMinimumGroupsEconomicCapital" scale="-2" id="f-10855">1</ix:nonFraction>% of Group's economic capital), other executives of the Group with a similar profile and members of the Identified Staff  with total variable remuneration between <ix:nonFraction unitRef="eur" contextRef="c-4676" decimals="-5" name="san:GeneralThresholdOfVariableRemunerationInWhichDeferred" scale="6" id="f-10856">1.7</ix:nonFraction> million euros (<ix:nonFraction unitRef="eur" contextRef="c-4677" decimals="-5" name="san:GeneralThresholdOfVariableRemunerationInWhichDeferred" scale="6" id="f-10857">1.8</ix:nonFraction> million in fourth cycle) and <ix:nonFraction unitRef="eur" contextRef="c-4678" decimals="-5" name="san:GeneralThresholdOfVariableRemunerationInWhichDeferred" scale="6" id="f-10858">2.6</ix:nonFraction> million euros: <ix:nonFraction unitRef="number" contextRef="c-4679" decimals="2" name="san:VariableRemunerationImmediatePaymentPercentage" scale="-2" id="f-10859">50</ix:nonFraction>% paid immediately and <ix:nonFraction unitRef="number" contextRef="c-4679" decimals="INF" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-10860">50</ix:nonFraction>% deferred over  <ix:nonNumeric contextRef="c-4680" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10861">5</ix:nonNumeric> years (fifth cycle)</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Other beneficiaries: <ix:nonFraction unitRef="number" contextRef="c-4681" decimals="INF" name="san:VariableRemunerationImmediatePaymentPercentage" scale="-2" id="f-10862">60</ix:nonFraction>% paid immediately and <ix:nonFraction unitRef="number" contextRef="c-4681" decimals="2" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-10863">40</ix:nonFraction>% deferred over <ix:nonNumeric contextRef="c-4681" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10864">3</ix:nonNumeric> years.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Sixth cycle (2016):</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"><ix:nonFraction unitRef="number" contextRef="c-4669" decimals="INF" name="san:VariableRemunerationImmediatePaymentPercentage" scale="-2" id="f-10865">60</ix:nonFraction>% of bonus will be paid immediately and <ix:nonFraction unitRef="number" contextRef="c-4669" decimals="INF" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-10866">40</ix:nonFraction>%  deferred over a <span style="-sec-ix-hidden:f-10867">three</span> year period.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Seventh, eighth, ninth, tenth and eleventh cycle (2017, 2018, 2019, 2020 and 2021):</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Beneficiaries of these plans with target total variable remuneration higher or equal to <ix:nonFraction unitRef="eur" contextRef="c-4682" decimals="-5" name="san:GeneralThresholdOfVariableRemunerationInWhichDeferred" scale="6" id="f-10868">2.7</ix:nonFraction> million euros: <ix:nonFraction unitRef="number" contextRef="c-4682" decimals="INF" name="san:VariableRemunerationImmediatePaymentPercentage" scale="-2" id="f-10869">40</ix:nonFraction>%  paid immediately and <ix:nonFraction unitRef="number" contextRef="c-4682" decimals="INF" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-10870">60</ix:nonFraction>% deferred over <ix:nonNumeric contextRef="c-4682" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10871">5</ix:nonNumeric> years</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Beneficiaries of these plans with target total variable remuneration between <ix:nonFraction unitRef="eur" contextRef="c-4683" decimals="-5" name="san:GeneralThresholdOfVariableRemunerationInWhichDeferred" scale="6" id="f-10872">1.7</ix:nonFraction> million euros and <ix:nonFraction unitRef="eur" contextRef="c-4684" decimals="-5" name="san:GeneralThresholdOfVariableRemunerationInWhichDeferred" scale="6" id="f-10873">2.7</ix:nonFraction> million euros: <ix:nonFraction unitRef="number" contextRef="c-4685" decimals="INF" name="san:VariableRemunerationImmediatePaymentPercentage" scale="-2" id="f-10874">50</ix:nonFraction>% paid immediately and 50%paid over <ix:nonNumeric contextRef="c-4685" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10875">5</ix:nonNumeric> years</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Other beneficiaries of these plans: 60% paid immediately and <ix:nonFraction unitRef="number" contextRef="c-4686" decimals="2" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-10876">40</ix:nonFraction>% deferred over <ix:nonNumeric contextRef="c-4686" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10877">3</ix:nonNumeric> years.</span></div><div style="text-indent:10.91pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Twelfth (2022), thirteenth (2023),fourteenth (2024) and fifteenth (2025) cycle:</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Beneficiaries of these plans with target total variable remuneration higher or equal to <ix:nonFraction unitRef="eur" contextRef="c-4687" decimals="-5" name="san:GeneralThresholdOfVariableRemunerationInWhichDeferred" scale="6" id="f-10878"><ix:nonFraction unitRef="eur" contextRef="c-4688" decimals="-5" name="san:GeneralThresholdOfVariableRemunerationInWhichDeferred" scale="6" id="f-10879"><ix:nonFraction unitRef="eur" contextRef="c-4689" decimals="-5" name="san:GeneralThresholdOfVariableRemunerationInWhichDeferred" scale="6" id="f-10880">2.7</ix:nonFraction></ix:nonFraction></ix:nonFraction> million euros: <ix:nonFraction unitRef="number" contextRef="c-4687" decimals="INF" name="san:VariableRemunerationImmediatePaymentPercentage" scale="-2" id="f-10881"><ix:nonFraction unitRef="number" contextRef="c-4688" decimals="INF" name="san:VariableRemunerationImmediatePaymentPercentage" scale="-2" id="f-10882"><ix:nonFraction unitRef="number" contextRef="c-4689" decimals="INF" name="san:VariableRemunerationImmediatePaymentPercentage" scale="-2" id="f-10883">40</ix:nonFraction></ix:nonFraction></ix:nonFraction>% paid immediately and <ix:nonFraction unitRef="number" contextRef="c-4689" decimals="INF" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-10884"><ix:nonFraction unitRef="number" contextRef="c-4688" decimals="INF" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-10885"><ix:nonFraction unitRef="number" contextRef="c-4687" decimals="INF" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-10886">60</ix:nonFraction></ix:nonFraction></ix:nonFraction>% deferred over <ix:nonNumeric contextRef="c-4687" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10887"><ix:nonNumeric contextRef="c-4689" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10888"><ix:nonNumeric contextRef="c-4688" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10889">5</ix:nonNumeric></ix:nonNumeric></ix:nonNumeric> years</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Beneficiaries of these plans with target total variable remuneration between <ix:nonFraction unitRef="eur" contextRef="c-4690" decimals="-5" name="san:GeneralThresholdOfVariableRemunerationInWhichDeferred" scale="6" id="f-10890"><ix:nonFraction unitRef="eur" contextRef="c-4691" decimals="-5" name="san:GeneralThresholdOfVariableRemunerationInWhichDeferred" scale="6" id="f-10891"><ix:nonFraction unitRef="eur" contextRef="c-4692" decimals="-5" name="san:GeneralThresholdOfVariableRemunerationInWhichDeferred" scale="6" id="f-10892">1.7</ix:nonFraction></ix:nonFraction></ix:nonFraction> million euros and <ix:nonFraction unitRef="eur" contextRef="c-4693" decimals="-5" name="san:GeneralThresholdOfVariableRemunerationInWhichDeferred" scale="6" id="f-10893"><ix:nonFraction unitRef="eur" contextRef="c-4694" decimals="-5" name="san:GeneralThresholdOfVariableRemunerationInWhichDeferred" scale="6" id="f-10894"><ix:nonFraction unitRef="eur" contextRef="c-4695" decimals="-5" name="san:GeneralThresholdOfVariableRemunerationInWhichDeferred" scale="6" id="f-10895">2.7</ix:nonFraction></ix:nonFraction></ix:nonFraction> million euros: <ix:nonFraction unitRef="number" contextRef="c-4696" decimals="2" name="san:VariableRemunerationImmediatePaymentPercentage" scale="-2" id="f-10896"><ix:nonFraction unitRef="number" contextRef="c-4697" decimals="2" name="san:VariableRemunerationImmediatePaymentPercentage" scale="-2" id="f-10897"><ix:nonFraction unitRef="number" contextRef="c-4698" decimals="2" name="san:VariableRemunerationImmediatePaymentPercentage" scale="-2" id="f-10898">50</ix:nonFraction></ix:nonFraction></ix:nonFraction>% paid immediately and <ix:nonFraction unitRef="number" contextRef="c-4698" decimals="2" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-10899"><ix:nonFraction unitRef="number" contextRef="c-4697" decimals="2" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-10900"><ix:nonFraction unitRef="number" contextRef="c-4696" decimals="2" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-10901">50</ix:nonFraction></ix:nonFraction></ix:nonFraction>% paid over <ix:nonNumeric contextRef="c-4696" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10902"><ix:nonNumeric contextRef="c-4698" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10903"><ix:nonNumeric contextRef="c-4697" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10904">5</ix:nonNumeric></ix:nonNumeric></ix:nonNumeric> years</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Other beneficiaries of these plans: <ix:nonFraction unitRef="number" contextRef="c-4699" decimals="2" name="san:VariableRemunerationImmediatePaymentPercentage" scale="-2" id="f-10905"><ix:nonFraction unitRef="number" contextRef="c-4700" decimals="2" name="san:VariableRemunerationImmediatePaymentPercentage" scale="-2" id="f-10906"><ix:nonFraction unitRef="number" contextRef="c-4701" decimals="2" name="san:VariableRemunerationImmediatePaymentPercentage" scale="-2" id="f-10907">60</ix:nonFraction></ix:nonFraction></ix:nonFraction>% paid immediately and <ix:nonFraction unitRef="number" contextRef="c-4699" decimals="2" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-10908"><ix:nonFraction unitRef="number" contextRef="c-4700" decimals="2" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-10909"><ix:nonFraction unitRef="number" contextRef="c-4701" decimals="2" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-10910">40</ix:nonFraction></ix:nonFraction></ix:nonFraction>% deferred over <ix:nonNumeric contextRef="c-4701" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10911"><ix:nonNumeric contextRef="c-4700" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10912"><ix:nonNumeric contextRef="c-4699" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10913">4</ix:nonNumeric></ix:nonNumeric></ix:nonNumeric> years.</span></div><div style="text-indent:10.91pt"><span><br/></span></div><div style="text-indent:10.91pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">T</span></div><div style="text-indent:10.91pt"><span><br/></span></div><div style="text-indent:10.91pt"><span><br/></span></div></td></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">281</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-264"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-10845-2" continuedAt="f-10845-3"><ix:continuation id="f-10753-5" continuedAt="f-10753-6"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:32.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:32.235%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Deferred variable remuneration systems</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Description and plan beneficiaries</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Conditions</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Calculation Base</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(ii)Deferred Multiyear Objectives Variable Remuneration Plan (2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024 and 2025)</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The aim is simplifying the remuneration structure, improving the ex ante risk adjustment and increasing the impact of the long-term objectives on the Group&#8217;s most relevant roles. The purpose of these cycles is to defer a portion of the variable remuneration of the beneficiaries over a period of <span style="-sec-ix-hidden:f-10914">three</span> or <ix:nonNumeric contextRef="c-4703" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10915">five years</ix:nonNumeric> (<span style="-sec-ix-hidden:f-10916">four</span> or <ix:nonNumeric contextRef="c-4705" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10917">five years</ix:nonNumeric> for the seventh cycle) for it to be paid, where appropriate, in cash and in Santander shares; the other portion of the variable remuneration is also to be paid in cash and Santander shares (regarding the instruments part, executive directors in the seventh cycle have the opportunity to choose all in share options or half in share options and half in shares), upon commencement of the cycles, in accordance with the rules set forth below. The accrual of the last third of the deferral (in the case of <ix:nonNumeric contextRef="c-4706" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10918">3</ix:nonNumeric> years deferral), the last 2 fourths (in the case of <ix:nonNumeric contextRef="c-4707" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10919">4</ix:nonNumeric> years deferral) and the last three fifths (in the case of <ix:nonNumeric contextRef="c-4708" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10920">5</ix:nonNumeric> years deferral) is also subject to long-term objectives.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Beneficiaries</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Executive directors, senior management and certain executives of the Group&#8217;s first lines of responsibility.</span></div><div><span><br/></span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In 2016 the accrual is conditioned, in addition to the permanence of the beneficiary in the Group, with the exceptions contained in the plan&#8217;s regulations, to non-occurrence of the following circumstances during the period prior to each of the deliveries in the terms set forth in each case in the plan&#8217;s regulations: </span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">i.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:10.75pt">Poor performance of the Group.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">ii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:9.1pt">Breach by the beneficiary of the internal regulations, including in particular that relating to risks.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">iii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.45pt">Material restatement of the Group&#8217;s consolidated financial statements, except when appropriate under a change in accounting regulations.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">iv.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.47pt">Significant changes in the Group&#8217;s economic capital or risk profile. </span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In 2017, 2018, 2019, 2020 and 2021 the accrual is conditioned, in addition to the beneficiary' permanence in the Group, with the exceptions contained in the plan&#8217;s regulations, to the non-occurrence of poor financial performance from the entity as a whole or of a specific division or area thereof or of the exposures generated by the personnel, taking into account the following factors:</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">v.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:9.12pt">Significant failures in risk management committed by the entity, or by a business unit or risk control unit.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">vi.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.47pt">the increase suffered by the entity or by a business unit of its capital needs, not foreseen at the time of generation of the exposures.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">vii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:5.82pt">Regulatory sanctions or court rulings for events that could be attributable to the unit or the  personnel responsible for those. Also, the breach  of internal codes of conduct of the entity.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">viii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:4.17pt">Irregular behaviours, whether individual or collective, considering in particular negative effects derived from the marketing of inappropriate products and responsibilities of persons or bodies that made those decisions.</span></div><div style="text-indent:3.83pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#160;</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Paid half in cash and half in shares. In the seventh cycle, and only for executive directors: half in cash and <ix:nonFraction unitRef="number" contextRef="c-4709" decimals="INF" name="san:VariableRemunerationDeferredPaymentPercentagePaidInShareOptions" scale="-2" id="f-10921">25</ix:nonFraction>% in share options and <ix:nonFraction unitRef="number" contextRef="c-4709" decimals="INF" name="san:VariableRemunerationDeferredPaymentPercentagePaidInShares" scale="-2" id="f-10922">25</ix:nonFraction>% in shares (unless the director chooses to receive options only). The maximum number of shares to be delivered is calculated by taking into account the weighted average daily volume of weighted average prices for the <ix:nonFraction unitRef="trading_session" contextRef="c-408" decimals="INF" name="san:VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions" format="ixt-sec:numwordsen" scale="0" id="f-10923">fifteen</ix:nonFraction> trading sessions prior to the previous Friday (excluding) on the date on which the board decides the bonus for the Executive directors of the Bank. </span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In the eighth cycle, and for all Identified Staff: half in cash and <ix:nonFraction unitRef="number" contextRef="c-4710" decimals="INF" name="san:VariableRemunerationDeferredPaymentPercentagePaidInShareOptions" scale="-2" id="f-10924">25</ix:nonFraction>% in shares and <ix:nonFraction unitRef="number" contextRef="c-4710" decimals="INF" name="san:VariableRemunerationDeferredPaymentPercentagePaidInShares" scale="-2" id="f-10925">25</ix:nonFraction>% in share options, or half in cash and half in shares, according to each executive&#180;s choice.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In the ninth and tenth cycle, half in cash and  half in shares.</span></div><div><span><br/></span></div><div><span><br/></span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">First cycle (2016): </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Executive directors and members of the Identified Staff with total variable remuneration higher than or equal to <ix:nonFraction unitRef="eur" contextRef="c-4711" decimals="-5" name="san:GeneralThresholdOfVariableRemunerationInWhichDeferred" scale="6" id="f-10926">2.7</ix:nonFraction> million euros: <ix:nonFraction unitRef="number" contextRef="c-4711" decimals="2" name="san:VariableRemunerationImmediatePaymentPercentage" scale="-2" id="f-10927">40</ix:nonFraction>% paid immediately and <ix:nonFraction unitRef="number" contextRef="c-4711" decimals="2" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-10928">60</ix:nonFraction>% deferred over a <ix:nonNumeric contextRef="c-4711" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10929">5</ix:nonNumeric>  year period. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Senior managers, country heads of countries representing at least <ix:nonFraction unitRef="number" contextRef="c-4712" decimals="INF" name="san:PercentageOfEntityEconomicCapital" scale="-2" id="f-10930">1</ix:nonFraction>% of the Group&#180;s capital and other members of the identified staff whose total variable remuneration is between <ix:nonFraction unitRef="eur" contextRef="c-4713" decimals="-5" name="san:GeneralThresholdOfVariableRemunerationInWhichDeferred" scale="6" id="f-10931">1.7</ix:nonFraction> million and <ix:nonFraction unitRef="eur" contextRef="c-4714" decimals="-5" name="san:GeneralThresholdOfVariableRemunerationInWhichDeferred" scale="6" id="f-10932">2.7</ix:nonFraction> million euros: <ix:nonFraction unitRef="number" contextRef="c-4712" decimals="INF" name="san:VariableRemunerationImmediatePaymentPercentage" scale="-2" id="f-10933">50</ix:nonFraction>% paid immediately and <ix:nonFraction unitRef="number" contextRef="c-4712" decimals="2" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-10934">50</ix:nonFraction>% deferred over a <ix:nonNumeric contextRef="c-4712" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10935">5</ix:nonNumeric> year period. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Other beneficiaries: <ix:nonFraction unitRef="number" contextRef="c-4715" decimals="INF" name="san:VariableRemunerationImmediatePaymentPercentage" scale="-2" id="f-10936">60</ix:nonFraction>% paid immediately and <ix:nonFraction unitRef="number" contextRef="c-4715" decimals="2" name="san:VariableRemunerationDeferredPercentage" scale="-2" id="f-10937">40</ix:nonFraction>% deferred over a <ix:nonNumeric contextRef="c-4715" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:duryear" id="f-10938">3</ix:nonNumeric> year period. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The second, third, fourth, fifth and sixth cycles (2017, 2018, 2019,2020 and 2021 respectively) are under the aforementioned deferral rules, except that the  variable remuneration considered is the target for each executive and not the actual award. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In 2016 the metrics for the deferred portion subject to long-term objectives (last third or last three fifths, respectively, for the cases of <ix:nonNumeric contextRef="c-4702" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10939">three years</ix:nonNumeric> and <ix:nonNumeric contextRef="c-4703" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10940">five years</ix:nonNumeric> deferrals) are: </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Earnings per share (EPS) growth in 2018 over 2015. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Relative Total Shareholder Return (TSR) in the 2016-2018 period measured against a group of credit institutions. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Compliance with the fully-loaded common equity tier 1 ('CET1') ratio target for financial year 2018. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Compliance with Grupo Santander&#8217;s underlying return on risk-weighted assets ('RoRWA') growth target for financial year 2018 compared to financial year 2015. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In the second, third, fourth, fifth and sixth cycle (2017, 2018, 2019, 2020 and 2021) the metrics for the deferred portion subject to long-term objectives (last third or last three fifths, respectively, for the cases of <ix:nonNumeric contextRef="c-4702" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10941">three years</ix:nonNumeric> and <ix:nonNumeric contextRef="c-4703" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10942">five years</ix:nonNumeric> deferrals) are: </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">EPS growth in 2019, 2020, 2021, 2022 and 2023 (over 2016, 2017, 2018, 2019 and 2020, for each respective cycle)</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Relative Total Shareholder Return (TSR) measured against a group of <ix:nonFraction unitRef="companies" contextRef="c-4716" decimals="INF" name="san:NumberOfCreditInstitutionsIncludedInReferenceGroup" scale="0" id="f-10943">17</ix:nonFraction> credit institutions (second and third cycles) in the periods 2017-2019 and 2018-2019, respectively, and against a group of <ix:nonFraction unitRef="companies" contextRef="c-4717" decimals="INF" name="san:NumberOfCreditInstitutionsIncludedInReferenceGroup" scale="0" id="f-10944">9</ix:nonFraction> entities (fourth, fifth and sixth cycle) for the 2019-2021, 2020-2022 and 2010-2023  period. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Compliance with the fully-loaded common equity tier 1 ('CET1') ratio target for financial years 2019, 2020, 2021,2022 and 2023, respectively. </span></div><div style="text-indent:9pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In the seventh (2022), eighth cycle (2023), ninth (2025) and tenth cycle (2025), the metrics for the deferred portion subject to long-term objectives (two last fourths and last three fifths, for the cases of <ix:nonNumeric contextRef="c-4718" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10945"><ix:nonNumeric contextRef="c-4719" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10946"><ix:nonNumeric contextRef="c-4720" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10947"><ix:nonNumeric contextRef="c-4704" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10948">four years</ix:nonNumeric></ix:nonNumeric></ix:nonNumeric></ix:nonNumeric> and <ix:nonNumeric contextRef="c-4721" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10949"><ix:nonNumeric contextRef="c-4722" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10950"><ix:nonNumeric contextRef="c-4705" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10951"><ix:nonNumeric contextRef="c-4723" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10952">five years</ix:nonNumeric></ix:nonNumeric></ix:nonNumeric></ix:nonNumeric> deferrals) are:</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Banco Santander's consolidated Return on tangible equity (RoTE) target in 2024 (7th cycle),  2025 (8th cycle), 2026 (9th cycle) and 2027 (10th cycle).</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Relative Total Shareholder Return (TSR) measured against a group of <ix:nonFraction unitRef="companies" contextRef="c-4724" decimals="INF" name="san:NumberOfCreditInstitutionsIncludedInReferenceGroup" scale="0" id="f-10953"><ix:nonFraction unitRef="companies" contextRef="c-4725" decimals="INF" name="san:NumberOfCreditInstitutionsIncludedInReferenceGroup" scale="0" id="f-10954"><ix:nonFraction unitRef="companies" contextRef="c-4726" decimals="INF" name="san:NumberOfCreditInstitutionsIncludedInReferenceGroup" scale="0" id="f-10955">9</ix:nonFraction></ix:nonFraction></ix:nonFraction> credit institutions for the period 2022-2024 (7th cycle), 2023-2025 (8th cycle), 2024-2026 (9th cycle) and 2025-2027 (10th cycle).</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Progress level  in the  public targets of our Sustainability agenda.</span></div></td></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">282</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-265"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-10845-3" continuedAt="f-10845-4"><ix:continuation id="f-10753-6" continuedAt="f-10753-7"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:32.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:32.235%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Deferred variable remuneration systems</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Description and plan beneficiaries</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Conditions</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Calculation Base</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(iii) Digital Transformation Award (2019, 2020 and 2021)</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The 2019, 2020 and 2021 Digital Transformation Incentive (the 'Digital Incentive') is a variable remuneration system that includes the delivery of Santander shares and share options.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The aim of the Digital Incentive is to attract and retain the critical skill sets to support and accelerate the digital transformation of the Group. By means of this program, the Group offers a remuneration element which is competitive with the remuneration systems offered  by other market operators who also compete for digital talent.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The number of beneficiaries is limited to a maximum of <ix:nonFraction unitRef="people" contextRef="c-4727" decimals="INF" name="san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries" scale="0" id="f-10956">250</ix:nonFraction> employees and the total amount of the incentive is limited to <ix:nonFraction unitRef="eur" contextRef="c-4727" decimals="-6" name="san:DeferredVariableRemunerationMaximumTotalAmountOfIncentive" scale="6" id="f-10957">30</ix:nonFraction> million euros.</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The funding of this incentive is subject to meeting important milestones that are aligned with the Group&#180;s digital roadmap and have been approved by the board of directors, taking into account the digitalization strategy of the Group, with the aim of becoming the best open, responsible global financial services platform.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Performance of 2019 incentive was measured based on achievement of the following milestones: (i) Launch of a Global Trade Services (GTS) platform; (ii) launch of a Global Merchant Services (GMS) platform; (iii) migration of our fully digital bank, OpenBank, to a 'next generation' platform and launch in <ix:nonFraction unitRef="market" contextRef="c-4727" decimals="INF" name="san:DeferredVariableRemunerationMilestoneMigrationOfOpenBankAndLaunchNumberOfMarkets" scale="0" id="f-10958">3</ix:nonFraction> markets; (iv) extension of SuperDigital in Brazil to at least <ix:nonFraction unitRef="country" contextRef="c-4727" decimals="INF" name="san:DeferredVariableRemunerationMilestoneMinimumNumberOfCountriesWithSuperDigitalExcludingBrazil" format="ixt-sec:numwordsen" scale="0" id="f-10959">one</ix:nonFraction> other country; (v) and launch of our international payments app based on blockchain Pago FX to non-Santander customers.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The milestones for the 2020 Digital Transformation Award were: (i) rolling out the global merchant services (GMS) platform in <ix:nonFraction unitRef="geographies" contextRef="c-4728" decimals="INF" name="san:DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalMerchantServicesPlatform" scale="0" id="f-10960">3</ix:nonFraction> new geographies, enhancing the platform functionality and achieving volume targets for transactions and participating merchants; (ii) doing the commercial rollout of the global trade services (GTS) platform in <ix:nonFraction unitRef="geographies" contextRef="c-4728" decimals="INF" name="san:DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalTradeServicesPlatform" scale="0" id="f-10961">8</ix:nonFraction> new geographies, enhancing platform functionality, and achieving  volume targets for on-boarded clients and monthly active users; (iii) launching OpenBank in a new market and migrating the retail banking infrastructure to 'new-mode' bank; (iv) launch the global platform SuperDigital in at least <ix:nonFraction unitRef="country" contextRef="c-4728" decimals="INF" name="san:DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalPlatformSuperDigital" scale="0" id="f-10962">4</ix:nonFraction> countries, driving target active user growth; (v) deploying machine learning across pre-defined markets for <ix:nonFraction unitRef="case" contextRef="c-4728" decimals="INF" name="san:DeferredVariableRemunerationMilestoneNumberOfPriorityUseCasesWithMachineLearningDeployment" scale="0" id="f-10963">4</ix:nonFraction> priority use cases, rolling out Conversion Rate Optimization (Digital marketing) for at least <ix:nonFraction unitRef="salesprogram" contextRef="c-4728" decimals="INF" name="san:DeferredVariableRemunerationMilestoneNumberOfSalesProgramsWithConversionRateOptimizationRollOut" scale="0" id="f-10964">40</ix:nonFraction> sales programs, delivering profit targets, and driving reduction of agent handled calls in contact centers; (vi) successfully implementing initiatives related to on-board and identity services, common API (application programming interface) layer, payment hubs, mobile app for SMEs and virtual assistant services; and (vii) launching the PagoFX global platform in at least <ix:nonFraction unitRef="country" contextRef="c-4728" decimals="INF" name="san:DeferredVariableRemunerationMilestoneNumberOfCountriesWithPagoFXGlobalPlatform" scale="0" id="f-10965">4</ix:nonFraction> countries.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The milestones for 2021 were: (i)in relation to Pago Nxt Consumer payment platform: implementation of Superdigital platform in <ix:nonFraction unitRef="country" contextRef="c-4729" decimals="INF" name="san:DeferredVariableRemunerationMilestonePagoNxtNumberOfCountriesWithSuperdigitalImplemented" format="ixt-sec:numwordsen" scale="0" id="f-10966">seven</ix:nonFraction> countries, acquisition of over <ix:nonFraction unitRef="customer" contextRef="c-4729" decimals="-5" name="san:DeferredVariableRemunerationMilestonePagoNxtNumberOfActiveCustomers" format="ixt:num-dot-decimal" scale="6" id="f-10967">1.5</ix:nonFraction> million active customer base and accelerating growth through B2B (business to business) and B2B2C (business to business to customer) partnerships, acquiring more than <ix:nonFraction unitRef="number" contextRef="c-4729" decimals="2" name="san:DeferredVariableRemunerationMilestonePagoNxtNumberOfCustomersAcquiredPercentage" scale="-2" id="f-10968">50</ix:nonFraction>% of the new customers through these channels, which are more cost-effective; (ii)in relation to Digital Consumer Bank: launching online API for checkout lending in the European Union and completion of controllable items for Openbank launch in USA; (iii)in relation to One Santander strategy: implementation in Europe of One Common Mobile Experience and, specifically, implementation of Europe ONE app for individual customers in at least <ix:nonFraction unitRef="country" contextRef="c-4729" decimals="INF" name="san:DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumNumberOfActiveCountries" format="ixt-sec:numwordsen" scale="0" id="f-10969">three</ix:nonFraction> of the <ix:nonFraction unitRef="country" contextRef="c-4729" decimals="INF" name="san:DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMaximumNumberOfActiveCountries" format="ixt-sec:numwordsen" scale="0" id="f-10970">four</ix:nonFraction> countries by December 2021; and be among the three-top rated entities in terms of Mobile NetPromoter Score (Mobile NPS) in at least <ix:nonFraction unitRef="country" contextRef="c-4729" decimals="INF" name="san:DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMinimumNumberOfCountries" format="ixt-sec:numwordsen" scale="0" id="f-10971">two</ix:nonFraction> of the <ix:nonFraction unitRef="country" contextRef="c-4729" decimals="INF" name="san:DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMaximumNumberOfCountries" format="ixt-sec:numwordsen" scale="0" id="f-10972">four</ix:nonFraction> countries by December 2021; (iv) In relation to cloud adoption: host <ix:nonFraction unitRef="number" contextRef="c-4729" decimals="2" name="san:DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumMigratableVirtualMachinesOnCloudTechnologyPercentage" scale="-2" id="f-10973">75</ix:nonFraction>% of migratable virtual machines on cloud technology (either public cloud or OHE) by December 2021. For these purposes, mainframes, physical servers and servers with non-x86 operating systems will be considered non-migratable. </span></div><div><span><br/></span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The Digital Incentive is structured <ix:nonFraction unitRef="number" contextRef="c-4727" decimals="2" name="san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares" scale="-2" id="f-10974">50</ix:nonFraction>% in Santander shares and <ix:nonFraction unitRef="number" contextRef="c-4727" decimals="2" name="san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares" scale="-2" id="f-10975">50</ix:nonFraction>% in options over Santander shares, taking into account the fair value of the option at the moment in which they are granted. For Material Risk Takers subject to <ix:nonNumeric contextRef="c-4730" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10976">five years</ix:nonNumeric> deferrals, the Digital Incentive (shares and options over shares) shall be delivered in thirds, on the third, fourth and fifth anniversary from their granting. For Material Risk Takers subject to <ix:nonNumeric contextRef="c-4731" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10977">three years</ix:nonNumeric> deferrals and employees not subject to deferrals, delivery shall be done on the third anniversary from their granting.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Any delivery of shares, either directly or via exercise of options overs shares, will be subject generally to the Group&#8217;s general </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:110%">malus</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"> &amp; </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:110%">clawback</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"> provisions as described in the Group&#8217;s remuneration policy and to the continuity of the beneficiary within the Grupo Santander. In this regard, the board may define specific rules for non-Identified Staff.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Vested share options can be exercised until maturity, with all options lapsing after <ix:nonNumeric contextRef="c-4727" name="san:DeferredVariableRemunerationOptionsVestingPeriod" format="ixt-sec:durwordsen" id="f-10978">ten years</ix:nonNumeric> (for granting the 2019 incentive) and <ix:nonNumeric contextRef="c-4732" name="san:DeferredVariableRemunerationOptionsVestingPeriod" format="ixt-sec:durwordsen" id="f-10979">eight years</ix:nonNumeric> (for granting the 2020 and 2021 incentive).</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The total achievement for 2021 Digital Incentive was <ix:nonFraction unitRef="number" contextRef="c-4733" decimals="3" name="san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement" scale="-2" id="f-10980">77.5</ix:nonFraction>% (<ix:nonFraction unitRef="number" contextRef="c-4734" decimals="2" name="san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement" scale="-2" id="f-10981">85</ix:nonFraction>% en 2020 and <ix:nonFraction unitRef="number" contextRef="c-4735" decimals="2" name="san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement" scale="-2" id="f-10982">83</ix:nonFraction>% en 2019).</span></div></td></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">283</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-266"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-10845-4"><ix:continuation id="f-10753-7" continuedAt="f-10753-8"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:31.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:30.605%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Deferred variable remuneration systems</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Description and plan beneficiaries</span></div></td><td colspan="3" style="padding:2px 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:105%">Conditions</span></td><td colspan="3" style="padding:2px 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:105%">Calculation base</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(iv) Digital Transformation Award (2022)</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The board of directors approved the 2022 Digital</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Transformation Incentive. It is a variable remuneration scheme</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">splits in <ix:nonFraction unitRef="block" contextRef="c-4736" decimals="INF" name="san:DeferredVariableRemunerationNumberOfDifferentBlocks" format="ixt-sec:numwordsen" scale="0" id="f-10983">two</ix:nonFraction> different blocks:</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226; The first one, with the same mechanism than previous years,</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">that delivers Santander shares and share options if the group hits major milestones on its digital roadmap. This is aimed at a group of up to <ix:nonFraction unitRef="people" contextRef="c-4737" decimals="INF" name="san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries" scale="0" id="f-10984">250</ix:nonFraction> (is limited to <ix:nonFraction unitRef="eur" contextRef="c-4737" decimals="-6" name="san:DeferredVariableRemunerationMaximumTotalAmountOfIncentive" scale="6" id="f-10985">30</ix:nonFraction> million euros)employees whose functions are deemed essential to Santander&#8217;s growth.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226; And the second one, which delivers PagoNxt, S.L. RSUs and premium prices options (PPOs), and is aimed at up to <ix:nonFraction unitRef="people" contextRef="c-4736" decimals="INF" name="san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries" scale="0" id="f-10986">50</ix:nonFraction></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">employees (and limited to <ix:nonFraction unitRef="eur" contextRef="c-4736" decimals="-6" name="san:DeferredVariableRemunerationMaximumTotalAmountOfIncentive" scale="6" id="f-10987">15</ix:nonFraction> million euros) whose roles are considered key to PagoNxt&#8217;s success.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The aim of the Digital Incentive is to attract and retain the critical skill sets to support and accelerate the digital transformation of the Group. By means of this program, the Group offers a remuneration element which is competitive with the remuneration systems offered  by other market operators who also compete for digital talent.</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Performance of the first block of the  incentive shall be measured based on achievement of the following milestones:</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">i. Edelweiss: Our Santander future retail architecture EDELWEISS will mean moving from our current Core centric banking architecture towards a Customer and Data-Centric Core supported by lean Record Processing engines. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">ii. Simplification: Speed up the simplification of our technology platform and business model by Reducing the total number of applications in production and reducing number of products in the regions.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">iii. Agile: Agile ways of working enable a better and faster reaction to customers&#8217; needs and is based on a value-driven delivery that increases efficiency by reducing time-to-market and development costs, and increasing quality. People working in Agile are more collaborative, engaged, empowered and creative. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">iv. In Digital Consumer Bank:</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">a) To create the BNPL platform connected to at least one merchant in Netherlands and Germany, and to make sure the platform is ready to connect in Spain.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">b) To support the definition of Openbank US&#8217;s IT digital strategy and achieve 2022 milestones in it.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">c) To have the new leasing platform connected to dealers in Italy.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">d) To expand the Wabi B2B online business to Germany. To execute the first B2B deal with an Original Equipment Manufacturer or mobility player in at least one country. To expand coches.com business and platform to Portugal.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">And in regard to the second block of digital incentive: the consolidation of PagoNxt Core Perimeter.</span></div><div><span><br/></span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The first block of thee Digital Incentive is structured <ix:nonFraction unitRef="number" contextRef="c-4737" decimals="2" name="san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares" scale="-2" id="f-10988">50</ix:nonFraction>% in Santander shares and <ix:nonFraction unitRef="number" contextRef="c-4737" decimals="2" name="san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares" scale="-2" id="f-10989">50</ix:nonFraction>% in options over Santander shares, taking into account the fair value of the option at the moment in which they are granted. For Material Risk Takers subject to <ix:nonNumeric contextRef="c-4738" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10990">five years</ix:nonNumeric> deferrals, the Digital Incentive (shares and options over shares) shall be delivered in thirds, on the third, fourth and fifth anniversary from their granting. For Material Risk Takers subject to <ix:nonNumeric contextRef="c-4739" name="san:VariableRemunerationDeferralPeriod" format="ixt-sec:durwordsen" id="f-10991">three years</ix:nonNumeric> deferrals and employees not subject to deferrals, delivery shall be done on the third anniversary from their granting.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Any delivery of shares, either directly or via exercise of options overs shares, will be subject generally to the Group&#8217;s general </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:110%">malus</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"> &amp; </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:110%">clawback</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"> provisions as described in the Group&#8217;s remuneration policy and to the continuity of the beneficiary within the Grupo Santander. In this regard, the board may define specific rules for non-Identified Staff.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Vested share options can be exercised until maturity, with all options lapsing after <ix:nonNumeric contextRef="c-4737" name="san:DeferredVariableRemunerationOptionsVestingPeriod" format="ixt-sec:durwordsen" id="f-10992">ten years</ix:nonNumeric>.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The total achievement for 2022 Digital Incentive was <ix:nonFraction unitRef="number" contextRef="c-4737" decimals="3" name="san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement" scale="-2" id="f-10993">96.5</ix:nonFraction>%.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The second block of Digital Incentive is structures in restricted stock units (RSUs) and premium priced Options (PPOs) of PagoNxt S.L. in a percentage determined by the internal category of the beneficiary. The total achievement for 2022 was <ix:nonFraction unitRef="number" contextRef="c-4740" decimals="2" name="san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement" scale="-2" id="f-10994">100</ix:nonFraction>%.</span></div></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:99.871%"><tr><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:31.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:30.605%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Deferred variable remuneration systems</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Description and plan beneficiaries</span></div></td><td colspan="3" style="padding:2px 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:105%">Conditions</span></td><td colspan="3" style="padding:2px 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:105%">Calculation base</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(v) Digital Transformation Award (2023)</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The board of directors approved the 2023 Digital</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Transformation Incentive. It is a variable remuneration scheme  which delivers PagoNxt, S.L. RSUs and premium prices options (PPOs), and is aimed at up to <ix:nonFraction unitRef="people" contextRef="c-4741" decimals="INF" name="san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries" scale="0" id="f-10995">50</ix:nonFraction></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">employees (and limited to <ix:nonFraction unitRef="eur" contextRef="c-4741" decimals="-6" name="san:DeferredVariableRemunerationMaximumTotalAmountOfIncentive" scale="6" id="f-10996">15</ix:nonFraction> million euros) whose roles are considered key to PagoNxt&#8217;s success.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">With this program, the Group offers a remuneration element which is competitive with the remuneration systems offered  by other market operators who also compete for digital talent.</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">And the performance conditions were focus on key digital projects related with PagoNxt's main businesses (Trade, Merchant and Payments) in its core geographies.<br/></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">This incentive  is structures in restricted stock units (RSUs) and premium priced Options (PPOs) of PagoNxt S.L. in a percentage determined by the internal category of the beneficiary. The average achievement for 2023 was <ix:nonFraction unitRef="number" contextRef="c-4742" decimals="2" name="san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement" scale="-2" id="f-10997">88</ix:nonFraction>%.</span></div></td></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:31.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:30.605%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Deferred variable remuneration systems</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Description and plan beneficiaries</span></div></td><td colspan="3" style="padding:2px 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:105%">Conditions</span></td><td colspan="3" style="padding:2px 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:105%">Calculation base</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(vi) PagoNxt incentive Plan 2024 and 2025 for Santander executives)</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The board of directors approved the PagoNxt incentive Plan 2024 and 2025 Incentive. It is a variable remuneration scheme  which delivers PagoNxt, S.L. RSUs, and is aimed at approximately  to <ix:nonFraction unitRef="people" contextRef="c-4743" decimals="INF" name="san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries" scale="0" id="f-10998"><ix:nonFraction unitRef="people" contextRef="c-4744" decimals="INF" name="san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries" scale="0" id="f-10999">50</ix:nonFraction></ix:nonFraction> - <ix:nonFraction unitRef="people" contextRef="c-4745" decimals="INF" name="san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries" scale="0" id="f-11000"><ix:nonFraction unitRef="people" contextRef="c-4746" decimals="INF" name="san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries" scale="0" id="f-11001">60</ix:nonFraction></ix:nonFraction> employees whose roles are considered key to PagoNxt&#8217;s success.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">With this program, the Group offers a remuneration element which is competitive with the remuneration systems offered  by other market operators who also compete for digital talent.</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">And the performance conditions were focus on key digital projects related with PagoNxt's main businesses (Trade, Merchant and Payments) in its core geographies.<br/></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">This incentive  is structures in restricted stock units (RSUs) of PagoNxt S.L. in a percentage determined by the internal category of the beneficiary. The average achievement for 2024 was <ix:nonFraction unitRef="number" contextRef="c-4747" decimals="2" name="san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement" scale="-2" id="f-11002">77</ix:nonFraction>% and <ix:nonFraction unitRef="number" contextRef="c-4748" decimals="2" name="san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement" scale="-2" id="f-11003">85</ix:nonFraction>% in 2025.</span></div></td></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">284</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-267"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-10753-8" continuedAt="f-10753-9"><div style="margin-bottom:3pt;margin-top:9pt;padding-right:263.62pt"><span id="i71e8eb5031f74984a64fbc0db04bf1af"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Santander UK plc </span></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfNumberAndWeightedAverageExercisePricesOfShareOptionsExplanatory" id="f-11004" escape="true"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The long-term incentive plans on shares of the Bank granted by management of Santander UK plc to its employees are 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:99.871%"><tr><td style="width:1.0%"/><td style="width:33.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.603%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.348%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Number of shares (in thousand)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exercise price&#160;in pounds sterling</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="padding:2px 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:105%">Year granted</span></td><td colspan="3" style="padding:2px 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:105%">Employee group</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Number of persons</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="padding:2px 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:105%">Date of commencement of&#160;exercise period</span></td><td colspan="3" style="padding:2px 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:105%">Date of expiry of exercise period</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Plans outstanding at 01/01/2023</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="shares" contextRef="c-4749" decimals="-3" name="ifrs-full:NumberOfOutstandingShareOptions" format="ixt:num-dot-decimal" scale="3" id="f-11005">29,988</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Options granted (sharesave)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-4750" decimals="-3" name="ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="3" id="f-11006">7,175</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerShare" contextRef="c-4750" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019" scale="0" id="f-11007">2.78</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Employees</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="people" contextRef="c-4750" decimals="INF" name="ifrs-full:NumberOfParticipantsOfRetirementBenefitPlanReceivingBenefits" format="ixt:num-dot-decimal" scale="0" id="f-11008">4,752</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/23</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/26</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/23</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/28</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Options exercised</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="shares" contextRef="c-4750" decimals="-3" name="ifrs-full:NumberOfShareOptionsExercisedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="3" id="f-11009">5,980</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerShare" contextRef="c-4750" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019" scale="0" id="f-11010">1.7</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Options cancelled (net) or not exercised</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="shares" contextRef="c-4750" decimals="-3" name="ifrs-full:NumberOfShareOptionsExpiredInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="3" id="f-11011">4,044</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerShare" contextRef="c-4750" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019" scale="0" id="f-11012">2.53</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Plans outstanding at 31/12/2023</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="shares" contextRef="c-4751" decimals="-3" name="ifrs-full:NumberOfOutstandingShareOptions" format="ixt:num-dot-decimal" scale="3" id="f-11013">27,139</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Options granted (sharesave)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-4752" decimals="-3" name="ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="3" id="f-11014">4,991</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerShare" contextRef="c-4752" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019" scale="0" id="f-11015">3.36</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Employees</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="people" contextRef="c-4752" decimals="INF" name="ifrs-full:NumberOfParticipantsOfRetirementBenefitPlanReceivingBenefits" format="ixt:num-dot-decimal" scale="0" id="f-11016">4,107</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/24</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/27</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/24</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/29</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Options exercised</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="shares" contextRef="c-4752" decimals="-3" name="ifrs-full:NumberOfShareOptionsExercisedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="3" id="f-11017">4,004</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerShare" contextRef="c-4752" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019" scale="0" id="f-11018">2.29</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Options cancelled (net) or not exercised</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="shares" contextRef="c-4752" decimals="-3" name="ifrs-full:NumberOfShareOptionsExpiredInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="3" id="f-11019">2,437</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerShare" contextRef="c-4752" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019" scale="0" id="f-11020">2.37</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Plans outstanding at 31/12/2024</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="shares" contextRef="c-4753" decimals="-3" name="ifrs-full:NumberOfOutstandingShareOptions" format="ixt:num-dot-decimal" scale="3" id="f-11021">25,689</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Options granted (sharesave)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="shares" contextRef="c-4754" decimals="-3" name="ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="3" id="f-11022">3,324</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerShare" contextRef="c-4754" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019" scale="0" id="f-11023">6.35</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Employees</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="people" contextRef="c-4754" decimals="INF" name="ifrs-full:NumberOfParticipantsOfRetirementBenefitPlanReceivingBenefits" format="ixt:num-dot-decimal" scale="0" id="f-11024">4,637</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/25</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/28</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Options exercised</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="shares" contextRef="c-4754" decimals="-3" name="ifrs-full:NumberOfShareOptionsExercisedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="3" id="f-11025">9,966</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerShare" contextRef="c-4754" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019" scale="0" id="f-11026">1.9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Options cancelled (net) or not exercised</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="shares" contextRef="c-4754" decimals="-3" name="ifrs-full:NumberOfShareOptionsExpiredInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="3" id="f-11027">1,554</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbpPerShare" contextRef="c-4754" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019" scale="0" id="f-11028">2.88</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Plans outstanding at 31/12/2025</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="shares" contextRef="c-4755" decimals="-3" name="ifrs-full:NumberOfOutstandingShareOptions" format="ixt:num-dot-decimal" scale="3" id="f-11029">17,493</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">At  31 December,&#160;2025, 2024 and 2023, the euro/pound sterling exchange rate was <ix:nonFraction unitRef="eurPerGBP" contextRef="c-4756" decimals="2" name="ifrs-full:ClosingForeignExchangeRate" scale="0" id="f-11030">1.15</ix:nonFraction>, <ix:nonFraction unitRef="eurPerGBP" contextRef="c-4757" decimals="2" name="ifrs-full:ClosingForeignExchangeRate" scale="0" id="f-11031">1.21</ix:nonFraction> and <ix:nonFraction unitRef="eurPerGBP" contextRef="c-4758" decimals="2" name="ifrs-full:ClosingForeignExchangeRate" scale="0" id="f-11032">1.15</ix:nonFraction> , respectively.</span></div><div style="margin-bottom:12pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Number of accounts/contracts. A single employee may have more than <ix:nonFraction unitRef="contract" contextRef="c-4754" decimals="INF" name="san:ShareBasedPaymentArrangementSingleEmployeeMinimumNumberOfContracts" format="ixt-sec:numwordsen" scale="0" id="f-11033">one</ix:nonFraction> account/contract.</span></div></ix:nonNumeric></ix:continuation><div style="width:100.000%"><ix:continuation id="f-10753-9" continuedAt="f-10753-10"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2008 the Group launched a voluntary savings scheme for Santander UK employees (Sharesave Scheme) whereby employees who join the scheme see deducted between GBP <ix:nonFraction unitRef="gbp" contextRef="c-4759" decimals="0" name="san:VoluntarySharesaveSchemeMonthlyEmployeeContributions" scale="0" id="f-11034">5</ix:nonFraction> and GBP <ix:nonFraction unitRef="gbp" contextRef="c-4760" decimals="0" name="san:VoluntarySharesaveSchemeMonthlyEmployeeContributions" scale="0" id="f-11035">500</ix:nonFraction> from their net&#160;monthly pay over a period of <span style="-sec-ix-hidden:f-11036">three</span> or <ix:nonNumeric contextRef="c-4760" name="san:PeriodOfVoluntarySharesaveSchemeMonthlyEmployeeContributions" format="ixt-sec:durwordsen" id="f-11037">five years</ix:nonNumeric>. At the end of the chosen period, the employee may choose between collecting the amount contributed, the interest accrued and a bonus (tax-exempt in the United Kingdom) or exercising options on shares of the Bank in an amount equal to the sum of such three amounts at a fixed price. The exercise price will be the result of reducing by up to <ix:nonFraction unitRef="number" contextRef="c-4761" decimals="2" name="san:PercentageEmployeesReduceAveragePurchasePriceOfShares" scale="-2" id="f-11038">20</ix:nonFraction>% the average purchase and sale prices of the Bank shares in the <ix:nonFraction unitRef="trading_session" contextRef="c-4761" decimals="INF" name="san:NumberOfTradingSessionsPriorToApprovalOfScheme" format="ixt-sec:numwordsen" scale="0" id="f-11039">three</ix:nonFraction> trading sessions prior to the approval of the scheme by the UK tax authorities (HMRC). This approval must be received within <ix:nonNumeric contextRef="c-4759" name="san:PeriodOfApprovalSharesaveScheme" format="ixt-sec:durday" id="f-11040">21</ix:nonNumeric> to <ix:nonNumeric contextRef="c-4760" name="san:PeriodOfApprovalSharesaveScheme" format="ixt-sec:durday" id="f-11041">41</ix:nonNumeric> days following the publication of the Group&#8217;s results for the first half of the year. This scheme was approved by the board of directors, at the proposal of the appointments and remuneration committee, and, since it involved the delivery of Bank shares, its application was authorized by the Annual General Meeting held on June 21, 2008. Also, the scheme was authorized by the UK tax authorities (HMRC) and commenced in September&#160;2008. In subsequent years, at the Annual General Meetings held on June 19, 2009, June 11, 2010, June 17, 2011, March 30, 2012, March 22, 2013, March 28, 2014, March 27, 2015, March 18, 2016, April 7, 2017, March&#160;23, 2018, April 12, 2019,  April 3, 2020 and March 26, 2021, respectively, the shareholders approved the application of schemes previously approved by the board and with similar features to the scheme approved in 2008.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></ix:continuation><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-10753-10"><div style="margin-bottom:3pt"><span id="i39fe1139d2d34e548aef22772b3741b0"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:125%">iii. Fair value</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:130%">The fair value of the performance share plans was calculated as follows:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4c6fc669c95c4eafb7672b58aa3d0cb3"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">a) Deferred variable compensation plan linked to multi-year objectives 2023, 2024 and 2025:</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:130%">The Group calculates at the grant date the fair value of the plan based on the valuation report of an independent expert, Willis Towers Watson. According to the design of the plan for 2023, 2024 and 2025 and the levels of achievement of similar plans in comparable entities, it has been considered that the fair value is <ix:nonFraction unitRef="number" contextRef="c-607" decimals="2" name="san:PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan" scale="-2" id="f-11042">70</ix:nonFraction>%.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="if42bf1a5501b4b7a8532084f4be275ee"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">b) Santander UK sharesave plans: </span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The fair value of each option at the date of grant is estimated using an analytical model that also reflects the correlation between EUR and GBP. This model uses assumptions on the share price, the EUR/GBP FX rate, the EUR/GBP risk-free interest rate, dividend yields, the expected volatilities of both the underlying shares and EUR/GBP for the expected lives of options granted. The weighted average grant-date fair value of options granted during the year was GBP <ix:nonFraction unitRef="gbpPerShare" contextRef="c-1" decimals="2" name="ifrs-full:WeightedAverageSharePriceShareOptionsGranted2019" scale="0" id="f-11043">0.44</ix:nonFraction> (GBP <ix:nonFraction unitRef="gbpPerShare" contextRef="c-86" decimals="2" name="ifrs-full:WeightedAverageSharePriceShareOptionsGranted2019" scale="0" id="f-11044">0.23</ix:nonFraction> and GBP <ix:nonFraction unitRef="gbpPerShare" contextRef="c-87" decimals="2" name="ifrs-full:WeightedAverageSharePriceShareOptionsGranted2019" scale="0" id="f-11045">0.33</ix:nonFraction> reported in 2024 and 2023, respectively).</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1099"></div><div style="margin-bottom:6pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">285</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-268"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:24pt"><span id="i7bdeb809578347929a33e1f2f2fca8f7"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">47.&#160;<ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfGeneralAndAdministrativeExpenseExplanatory" id="f-11046" continuedAt="f-11046-1" escape="true">Other general administrative expenses</ix:nonNumeric></span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1102"></div><ix:continuation id="f-11046-1" continuedAt="f-11046-2"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i82e92576232d4cfbb28034b6788f8242"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfOtherGeneralAndAdministrativeExpenseTableTextBlock" id="f-11047" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Other general administrative expenses 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:99.782%"><tr><td style="width:1.0%"/><td style="width:55.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.407%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Technology and systems</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:PropertyServiceChargeExpense" format="ixt:num-dot-decimal" scale="6" id="f-11048">2,298</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:TechnologySystemsExpense" format="ixt:num-dot-decimal" scale="6" id="f-11049">2,539</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:TechnologySystemsExpense" format="ixt:num-dot-decimal" scale="6" id="f-11050">2,389</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Property, fixtures and supplies<br/>(note 2.k)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:TechnologySystemsExpense" scale="6" id="f-11051">803</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:PropertyServiceChargeExpense" scale="6" id="f-11052">797</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:PropertyServiceChargeExpense" scale="6" id="f-11053">774</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Technical reports</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:TechnicalReportsExpense" scale="6" id="f-11054">712</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:SalesAndMarketingExpense" scale="6" id="f-11058">512</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:SalesAndMarketingExpense" scale="6" id="f-11059">574</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Taxes other than income tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:TaxExpenseOtherThanIncomeTaxExpense" scale="6" id="f-11060">543</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:TaxExpenseOtherThanIncomeTaxExpense" scale="6" id="f-11061">554</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:TaxExpenseOtherThanIncomeTaxExpense" scale="6" id="f-11062">568</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-5" name="ifrs-full:AuditorsRemuneration" scale="6" id="f-11094">140.7</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-5" name="ifrs-full:AuditorsRemuneration" scale="6" id="f-11095">144.2</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-5" name="ifrs-full:AuditorsRemuneration" scale="6" id="f-11096">133.6</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Additionally, the firm BDO has performed audit and audit-related services totalling EUR <ix:nonFraction unitRef="eur" contextRef="c-4762" decimals="-5" name="ifrs-full:AuditorsRemuneration" scale="6" id="f-11097">1.9</ix:nonFraction>&#160;million. </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:130%">The audit services and main non-audit services included for each item in the above breakdown are detailed as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Audit services: audit of the individual and consolidated financial statements of Banco Santander and its subsidiaries (of which PwC or another network firm is the external auditor); audit of the interim consolidated financial statements of Banco Santander; integrated audits prepared in order to file the Form 20-F  with the SEC  and the internal control audits (SOx) for required Group's entities; limited reviews of financial statements; and  regulatory reports required to the external auditors regarding several  Grupo Santander entities.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-11046-3" continuedAt="f-11046-4"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Audit-related services: issuance of comfort letters, verification services of financial and non-financial information required by regulators, and other reviews of documentation to be submitted to domestic or foreign authorities that, due to their nature, the external auditor typically provides.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Tax services: tax compliance and advisory services provided to Group companies outside Spain, which have no direct effect on the audited financial statements and are permitted in accordance with the applicable independence regulations.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Other services: agreed-upon procedure reports, assurance reports and special reports performed under the accepted profession's standards; as well as other reports required by the regulators.</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:130%">The 'Audit' heading includes the fees for the year's audit, regardless of the date the audit was completed. Any subsequent adjustments, which are not significant, are shown in this note for each year for comparison purposes. The fees corresponding to the rest of the services are shown by reference to when the audit committee approved them.</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:130%">The services commissioned from the Group's auditors meet the independence requirements under applicable European and Spanish law, the SEC rules and the Public Company Accounting Oversight Board (PCAOB), applicable to the Group, and did not involve in any case&#160;the&#160;performance of any work that is incompatible with the auditor's role.</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:130%">Lastly, the Group commissioned services from audit firms other than PwC amounting to EUR <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-5" name="ifrs-full:ProfessionalFeesExpense" scale="6" id="f-11098">155.9</ix:nonFraction>&#160;million in 2025 (EUR <ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-5" name="ifrs-full:ProfessionalFeesExpense" scale="6" id="f-11099">206.2</ix:nonFraction>&#160;million and EUR <ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-5" name="ifrs-full:ProfessionalFeesExpense" scale="6" id="f-11100">174.1</ix:nonFraction>&#160;million in 2024 and 2023, respectively).</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1108"></div><ix:continuation id="f-11046-4"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i797ac713a96c45d29d952d167909a437"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Number of branches</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfNumberOfOfficesTableTextBlock" id="f-11101" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The number of offices according to their geographical location at 31 December 2025, 2024 and 2023 is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:59.085%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.173%"/><td style="width:0.1%"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Number of branches</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" rowspan="2" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Group</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Spain </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="branch" contextRef="c-2505" decimals="INF" name="san:NumberOfOffices" format="ixt:num-dot-decimal" scale="0" id="f-11102">1,674</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="branch" contextRef="c-2506" decimals="INF" name="san:NumberOfOffices" format="ixt:num-dot-decimal" scale="0" id="f-11103">1,877</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="branch" contextRef="c-2507" decimals="INF" name="san:NumberOfOffices" format="ixt:num-dot-decimal" scale="0" id="f-11104">1,924</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="branch" contextRef="c-4763" decimals="INF" name="san:NumberOfOffices" format="ixt:num-dot-decimal" scale="0" id="f-11105">5,450</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="branch" contextRef="c-4764" decimals="INF" name="san:NumberOfOffices" format="ixt:num-dot-decimal" scale="0" id="f-11106">6,209</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="branch" contextRef="c-4765" decimals="INF" name="san:NumberOfOffices" format="ixt:num-dot-decimal" scale="0" id="f-11107">6,594</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="branch" contextRef="c-1" decimals="INF" name="san:NumberOfOffices" format="ixt:num-dot-decimal" scale="0" id="f-11108">7,124</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="branch" contextRef="c-86" decimals="INF" name="san:NumberOfOffices" format="ixt:num-dot-decimal" scale="0" id="f-11109">8,086</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="branch" contextRef="c-87" decimals="INF" name="san:NumberOfOffices" format="ixt:num-dot-decimal" scale="0" id="f-11110">8,518</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">A. </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">Includes branches in Spain of the Digital Consumer Bank business.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: Branches corresponding to the Group's business held for sale in Poland are included.</span></div><div style="text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">     Note: The figures for 2025 and 2024 include CartaSur points of sale and banking service points (PAB) in Argentina and exclude operational points that do not provide customer service in Colombia.</span></div></ix:nonNumeric></ix:continuation><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">286</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1111"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-269"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:24pt"><span id="if4b8cc60aaee440696ad3fbb94f80ad4"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">48. <ix:nonNumeric contextRef="c-1" name="san:DisclosureOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTextBlock" id="f-11111" continuedAt="f-11111-1" escape="true">Gains or losses on non financial assets, net</ix:nonNumeric></span></div><ix:nonNumeric contextRef="c-1" name="san:ScheduleOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTableTextBlock" id="f-11112" escape="true"><ix:continuation id="f-11111-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Gains/ (losses) on disposal of assets not classified as non-current assets held for sale 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:99.782%"><tr><td style="width:1.0%"/><td style="width:61.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.319%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.248%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gains</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tangible and intangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" scale="6" id="f-11113">65</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" scale="6" id="f-11114">48</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" scale="6" id="f-11115">53</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Investments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:GainsOnDisposalsOfInvestments" scale="6" id="f-11116">17</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:GainsOnDisposalsOfInvestments" scale="6" id="f-11117">360</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:GainsOnDisposalsOfInvestments" scale="6" id="f-11118">285</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:GainsOnDisposalsOfNoncurrentAssets" scale="6" id="f-11119">82</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:GainsOnDisposalsOfNoncurrentAssets" scale="6" id="f-11120">408</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:GainsOnDisposalsOfNoncurrentAssets" scale="6" id="f-11121">338</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Losses</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tangible and intangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" scale="6" id="f-11122">41</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" scale="6" id="f-11123">36</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" scale="6" id="f-11124">26</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Investments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:LossesOnDisposalsOfInvestments" scale="6" id="f-11125">41</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:LossesOnDisposalsOfInvestments" scale="6" id="f-11126">4</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:LossesOnDisposalsOfInvestments" format="ixt:fixed-zero" scale="6" id="f-11127">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:LossesOnDisposalsOfNoncurrentAssets" scale="6" id="f-11130">26</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:GainsLossesOnDisposalsOfNonFinancialAssetsNet" format="ixt:fixed-zero" scale="6" id="f-11131">&#8212;</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:GainsLossesOnDisposalsOfNonFinancialAssetsNet" scale="6" id="f-11132">368</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:GainsLossesOnDisposalsOfNonFinancialAssetsNet" scale="6" id="f-11133">312</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:nonNumeric></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1114"></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="ia4f7977ae65649cda54091adbbfb5e2a"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">49. <ix:nonNumeric contextRef="c-1" name="san:DisclosureOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTextBlock" id="f-11134" continuedAt="f-11134-1" escape="true">Gains or losses on non-current assets held for sale not classified as discontinued operations</ix:nonNumeric></span></div><ix:nonNumeric contextRef="c-1" name="san:ScheduleOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTableTextBlock" id="f-11135" escape="true"><ix:continuation id="f-11134-1"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Gains/(losses) on non-current assets held for sale not classified as discontinued operations 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:99.782%"><tr><td style="width:1.0%"/><td style="width:61.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.245%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.245%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.248%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Net balance</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="san:GainsLossesOnNonCurrentTangibleAssets" scale="6" id="f-11136">6</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="san:GainsLossesOnNonCurrentTangibleAssets" scale="6" id="f-11137">24</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="san:GainsLossesOnNonCurrentTangibleAssets" scale="6" id="f-11138">20</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Impairment (Note 12)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:NonCurrentAssetsHeldForSaleValuationAllowanceCharges" scale="6" id="f-11139">72</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:NonCurrentAssetsHeldForSaleValuationAllowanceCharges" scale="6" id="f-11140">92</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:NonCurrentAssetsHeldForSaleValuationAllowanceCharges" scale="6" id="f-11141">51</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain (loss) on sale (Note 12)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4766" decimals="-6" name="ifrs-full:GainsLossesOnDisposalsOfNoncurrentAssets" scale="6" id="f-11142">66</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4767" decimals="-6" name="ifrs-full:GainsLossesOnDisposalsOfNoncurrentAssets" scale="6" id="f-11143">68</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4768" decimals="-6" name="ifrs-full:GainsLossesOnDisposalsOfNoncurrentAssets" scale="6" id="f-11144">31</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains and other losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:GainsLossesOnDisposalsOfOtherNoncurrentAssets" scale="6" id="f-11145">232</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnDisposalsOfOtherNoncurrentAssets" scale="6" id="f-11146">3</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:GainsLossesOnDisposalsOfOtherNoncurrentAssets" format="ixt:fixed-zero" scale="6" id="f-11147">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #dbdbdb;padding:2px 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-style:italic;font-weight:400;line-height:105%">&#160;&#160;&#160;Caceis (Note 3)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4769" decimals="-6" name="ifrs-full:GainsLossesOnDisposalsOfOtherNoncurrentAssets" scale="6" id="f-11148">231</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #dbdbdb;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4770" decimals="-6" name="ifrs-full:GainsLossesOnDisposalsOfOtherNoncurrentAssets" format="ixt:fixed-zero" scale="0" id="f-11149">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #dbdbdb;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4771" decimals="-6" name="ifrs-full:GainsLossesOnDisposalsOfOtherNoncurrentAssets" format="ixt:fixed-zero" scale="0" id="f-11150">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" scale="6" id="f-11151">226</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="san:GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" scale="6" id="f-11152">27</ix:nonFraction>)</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="san:GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" scale="6" id="f-11153">20</ix:nonFraction>)</span></td></tr></table></div></ix:continuation></ix:nonNumeric><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1117"></div></div></div><div style="margin-bottom:6pt;margin-top:15pt;padding-right:263.62pt"><span id="i1ac06503afcc46f592feb82665f9bac1"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">50. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory" id="f-11154" continuedAt="f-11154-1" escape="true">Fair value of financial instruments</ix:nonNumeric></span></div><ix:continuation id="f-11154-1" continuedAt="f-11154-2"><div style="margin-bottom:6pt;margin-top:9pt;padding-right:263.62pt"><span id="i6cdde6f6cfb049efae53b6b6d38ced79"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Details  </span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesTableTextBlock" id="f-11155" escape="true"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table summarises the fair values, at the end of each of the years indicated, of the financial assets and liabilities listed below, classified according to the different valuation methodologies used by the Group to determine their fair value:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:28.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.163%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 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:105%">2025</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Published<br/>price<br/>quotations<br/>in active<br/>markets<br/>(level 1)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Internal<br/>Models<br/>(level 2<br/>and 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Published<br/>price<br/>quotations<br/>in active<br/>markets<br/>(level 1)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Internal<br/>Models<br/>(level 2<br/>and 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Published<br/>price<br/>quotations<br/>in active<br/>markets<br/>(level 1)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Internal<br/>Models<br/>(level 2<br/>and 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4772" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-11156">106,560</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4773" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-11157">145,758</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-11158">252,318</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4774" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-11159">88,147</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4775" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-11160">142,106</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-11161">230,253</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4776" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-11162">67,842</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4777" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-11163">109,079</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-11164">176,921</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4772" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11165">2,407</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4773" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11166">5,354</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11167">7,761</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4774" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11168">2,037</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4775" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11169">4,093</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11170">6,130</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4776" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11171">1,765</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4777" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11172">4,145</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11173">5,910</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid 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format="ixt:num-dot-decimal" scale="6" id="f-11175">5,186</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-11176">8,046</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4774" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-11177">2,744</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4775" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-11178">5,171</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-11179">7,915</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4776" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-11180">2,746</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4777" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-11181">7,027</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" 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style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-11188">89,898</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4776" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" 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name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-11194">5,672</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-11195">5,672</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-11204">20,298</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4777" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-11205">101,972</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" 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name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-11208">42,148</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-11209">42,148</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-11215">40,367</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives (liabilities)</span></td><td colspan="2" 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id="f-11219">4,752</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4777" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-11220">7,656</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4775" decimals="-6" name="ifrs-full:InsuranceContractsIssuedThatAreLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-11224">17,829</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 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id="f-11227">17,799</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander has developed a formal process for the systematic valuation and management of financial instruments, which has been implemented worldwide across all the Group&#8217;s units. The governance scheme for this process distributes responsibilities between <ix:nonFraction unitRef="independent_division" contextRef="c-2" decimals="INF" name="san:FinancialInstrumentsManagementNumberOfIndependentDivisions" format="ixt-sec:numwordsen" scale="0" id="f-11228">two</ix:nonFraction> independent divisions: Treasury (development, marketing and daily management of financial products) and Risk (on a&#160;periodic basis, validation of pricing models and daily risk certification of market data, computation of risk metrics, new transaction approval policies, management control  of market risk and implementation of fair value adjustment policies).</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The approval of new products follows a sequence of steps (request, development, validation, integration in corporate systems and quality assurance) before the product is brought into production. This process ensures that pricing systems have been properly reviewed and are stable before they are used.</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:130%">The following subsections set forth the most important products and families of derivatives, and the related valuation techniques and inputs, by asset class:</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">287</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-270"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-11154-2" continuedAt="f-11154-3"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt"><span id="i71893e9ce67b42239bd8133a3abeca3a"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Interest rate and inflation</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:130%">The fixed income asset class includes basic instruments such as interest rate forwards, interest rate swaps and cross currency swaps, which are valued using the net present value of the estimated future cash flows discounted taking into account basis (swap and cross currency spreads) determined on the basis of the payment frequency and currency of each leg of the derivative. Vanilla options, including caps, floors and swaptions, are priced using the Black-Scholes model, which is one of the benchmark industry models. More exotic derivatives are priced using more complex models which are generally accepted as standard across institutions.</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:130%">These pricing models are fed with observable market data such as deposit interest rates, futures rates, cross currency swap and constant maturity swap rates, and basis spreads, on the basis of which different yield curves, depending on the payment frequency, and discounting curves are calculated for each currency. In the case of options, implied volatilities are also used as model inputs. These volatilities are observable in the market for cap and floor options and swaptions, and interpolation and extrapolation of volatilities from the quoted ranges are carried out using generally accepted industry models. The pricing of more exotic derivatives may require the use of non-observable data or parameters, such as correlation (among interest rates and cross-asset), mean reversion rates and prepayment rates, which are usually defined from historical data or through calibration.</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:130%">Inflation-related assets include zero-coupon or&#160;year-on-year inflation-linked bonds and swaps, valued with the present value method using forward estimation and discounting. Derivatives on inflation indices are priced using standard or more complex internal models. Valuation inputs of these models consider inflation-linked swap spreads observable in the market and estimations of inflation seasonality, on the basis of which a forward inflation curve is calculated. Also, implied volatilities taken from zero-coupon and&#160;year-on-year inflation options are also inputs for the pricing of more complex derivatives.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i0bd5b62ea8344ccda87b85459fb99881"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Equity and foreign exchange</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:130%">The most important products in these asset classes are forward and futures contracts; they also include vanilla, listed and OTC (Over-The-Counter) derivatives on single underlying assets and baskets of assets. Vanilla options are priced using the standard Black-Scholes model and more exotic derivatives involving forward returns, average performance, or digital, barrier or callable features are priced using generally accepted industry models or internal models, as appropriate. For derivatives on illiquid stocks, hedging takes into account the liquidity constraints in models.</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:130%">The inputs of equity models consider yield curves, spot prices, dividends, asset funding costs (repo margin spreads), implied volatilities, correlation among equity stocks and indices, and cross-asset correlation. Implied volatilities are obtained from market quotes of European and American-style vanilla call and put options. Various interpolation and extrapolation techniques are used to obtain continuous volatility for illiquid stocks. Dividends are usually estimated for the mid and long term. Correlations are implied, when possible, from market quotes of correlation-dependent products. In all other cases, proxies are used for correlations between benchmark underlyings or correlations are obtained from historical data.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The inputs of foreign exchange models include the yield curve for each currency, the spot foreign exchange rate, the implied volatilities and the correlation among assets of this class. Volatilities are obtained from European call and put options which are quoted in markets as of-the-money, risk reversal or butterfly options. Illiquid currency pairs are usually handled by using the data of the liquid pairs from which the illiquid currency can be derived. For more exotic products, unobservable model parameters may be estimated by fitting to reference prices provided by other non-quoted market sources.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="id3d3a29539de41fb9bda9e519cb9f4d7"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Credit</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:130%">The most common instrument in this asset class is the credit default swap (CDS), which is used to hedge credit exposure to third parties. In addition, models for first-to-default (FTD), n-to-default (NTD) and single-tranche collateralised debt obligation (CDO) products&#160;are&#160;also available. These products are valued with standard industry models, which estimate the probability of default of a single issuer (for CDS) or the joint probability of default of more than one issuer for FTD, NTD and CDO.</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:130%">Valuation inputs are the yield curve, the CDS spread curve and the recovery rate. For indices and important individual issuers, the CDS spread curve is obtained in the market. For less liquid issuers, this spread curve is estimated using proxies or other credit-dependent instruments. Recovery rates are usually set to standard values. For listed single-tranche CDO, the correlation of joint default of several issuers is implied from the market. For FTD, NTD and internal CDO, the correlation is estimated from proxies or historical data when no other option is available.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i783bc1aae9a5420bb626f02e870f4ca0"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Valuation adjustment for counterparty risk or default risk</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:130%">The Credit valuation adjustment (CVA) is a valuation adjustment to over-the-counter (OTC) derivatives as a result of the risk associated with the credit exposure assumed to each counterparty.</span></div><div style="margin-bottom:8pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The CVA is calculated taking into account potential exposure to each counterparty in each future period. The CVA for a specific counterparty is equal to the sum of the CVA for all the periods. The following inputs are used to calculate the CVA:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Expected exposure: including for each transaction the mark-to-market (MtM) value plus an add-on for the potential future exposure for each period. Mitigating factors such as collateral and netting agreements are taken into account, as well as a temporary impairment factor for derivatives with interim payments.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Severity:&#160;percentage of final loss assumed in a counterparty credit event/default.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Probability of default: for cases where there is no market information (the CDS quoted spread curve, etc.), proxies based on companies holding exchange-listed CDS, in the same industry and with the same external rating as the counterparty, are used.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Discount factor curve.</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:130%">The Debit Valuation Adjustment (DVA) is a valuation adjustment similar to the CVA but, in this case, it arises as a result of the Group&#8217;s own risk assumed by its counterparties in OTC derivatives.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">288</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-271"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-11154-3" continuedAt="f-11154-4"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The CVA at 31 December 2025 amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets" scale="6" id="f-11229">224</ix:nonFraction> million (resulting in a decrease of <ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" sign="-" name="san:FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease" scale="-2" id="f-11230">17.6</ix:nonFraction>% compared to 31 December 2024) and DVA amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" scale="6" id="f-11231">285</ix:nonFraction> million (resulting in a decrease of <ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" sign="-" name="san:FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease" scale="-2" id="f-11232">10.1</ix:nonFraction>%  compared to 31 December 2024). These decreases are primarily due to the performance of credit markets, with lower spreads compared to December 2024, and secondarily to changes in the composition of certain derivatives portfolios. Furthermore, the observed reduction in CVA is influenced by changes in the calculation models applicable to certain clients.</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:130%">The CVA at 31 December 2024 amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets" scale="6" id="f-11233">272</ix:nonFraction>&#160;million (resulting in a decrease of <ix:nonFraction unitRef="number" contextRef="c-86" decimals="3" sign="-" name="san:FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease" scale="-2" id="f-11234">7.2</ix:nonFraction>% compared to 31 December 2023) and DVA amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" scale="6" id="f-11235">317</ix:nonFraction>&#160;million (resulting in a decrease of <ix:nonFraction unitRef="number" contextRef="c-86" decimals="3" sign="-" name="san:FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease" scale="-2" id="f-11236">3.9</ix:nonFraction>% compared to 31 December 2023). These decreases are mainly due to the declines in the EUR and USD interest rate markets, lower inflation and the movements in credit markets whose spread levels have reduced moderately compared to those of December 2023.</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:130%">The CVA at 31 December 2023 amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets" scale="6" id="f-11237">293</ix:nonFraction>&#160;million (decrease of <ix:nonFraction unitRef="number" contextRef="c-87" decimals="3" sign="-" name="san:FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease" scale="-2" id="f-11238">16.5</ix:nonFraction>% compared to 31 December 2022) and DVA amounted EUR <ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" scale="6" id="f-11239">330</ix:nonFraction>&#160;million (decrease of <ix:nonFraction unitRef="number" contextRef="c-87" decimals="3" sign="-" name="san:FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease" scale="-2" id="f-11240">9.3</ix:nonFraction>% compared to 31 December 2022).  These decreases are mainly due to movements in credit markets whose spread levels have reduced moderately compared to those of December 2022, partially offset by the upward movement in interest rates.</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:130%">In addition, the Group amounts the funding fair value adjustment (FFVA) is calculated by applying future market funding spreads to the expected future funding exposure of any uncollateralised component of the OTC derivative portfolio. This includes the uncollateralised component of collateralised derivatives in addition to derivatives that are fully uncollateralised. The expected future funding exposure is calculated by a simulation methodology, where available. The FFVA impact is not material for the consolidated annual accounts as of 31 December 2025, 2024 and 2023.</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:130%">During 2025, the Group has continued to apply the criteria for classifying financial instruments within the levels of the fair value hierarchy established to comply with regulatory expectations. These criteria, based on information from the price contributors and real market transactions, represent a significant reduction in the use of expert judgement to determine observability and allow the measurement of the significance of non-observable valuation inputs based on objective criteria.</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:130%">There has been an increase in instruments classified as Level 3, especially during the last quarter of the year. This increase is due to higher holding volumes of some of these instruments in the portfolio due to new trading activity. No significant reclassifications were detected due to changes in the market observability of the valuation inputs for the remaining positions. The main increases include long-term repo/reverse repo transactions, illiquid equities in non-trading portfolios, and syndicated loans with an HTC&amp;S business model for which there is no observable market price based on the criteria used. </span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i82ed7c965ab44f13ab452cc0878b6462"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Valuation adjustments due to model risk</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:130%">The valuation models described above do not involve a significant level of subjectivity, since they can be adjusted and recalibrated, where appropriate, through internal calculation of the fair value and subsequent comparison with the related actively traded price. However, valuation adjustments may be necessary when market quoted prices are not available for comparison purposes.</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:130%">The sources of risk are associated with uncertain model parameters, illiquid underlying issuers, and poor quality market data or missing risk factors (sometimes the best available option is to use limited models with controllable risk). In these situations, the Group calculates and applies valuation adjustments in accordance with common industry practice. The main sources of model risk are described below:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In the interest rate markets, the sources of model risk include interest rate indexes correlations, basis spread modelling, the risk of calibrating model parameters and the treatment of near-zero or negative interest rates. Other sources of risk arise from the estimation of market data, such as volatilities or yield curves, whether used for estimation or cash flow discounting purposes.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In the stock markets, the sources of model risk include forward skew modelling, the impact of stochastic interest rates, correlation and multi-curve modelling. Other sources of risk arise from managing hedges of digital callable and barrier option payments. Also worthy of consideration as sources of risk are the estimation of market data such as dividends and correlation for quanto and composite basket options.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">For specific financial instruments relating to home mortgage loans secured by financial institutions in the UK (which are regulated and partially financed by the Government) and property asset derivatives, the main input is the Halifax House Price Index (HPI). In these cases, risk assumptions include estimations of the future growth and the volatility of the HPI, the mortality rate and the implied credit spreads.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Inflation markets are exposed to model risk resulting from uncertainty around modelling the correlation structure among various Consumer Price Index (CPI) rates. Another source of risk may arise from the bid-offer spread of inflation-linked swaps.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The currency markets are exposed to model risk resulting from forward skew modelling and the impact of stochastic interest rate and correlation modelling for multi-asset instruments. Risk may also arise from market data, due to the existence of specific illiquid foreign exchange pairs.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The most important source of model risk for credit derivatives relates to the estimation of the correlation between the probabilities of default of different underlying issuers. For illiquid underlying issuers, the CDS spread may not be well defined.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">289</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-272"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfFairValueOfFinancialInstrumentsMeasurementBasedOnInternalModelsTableTextBlock" id="f-11241" continuedAt="f-11241-1" escape="true"><ix:continuation id="f-11154-4" continuedAt="f-11154-5"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Set forth below are the financial instruments at fair value whose measurement was based on internal models (levels 2 and 3) at 31 December 2025, 2024 and 2023:</span></div><div style="margin-bottom:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:30.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.085%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.085%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:22.603%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.087%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair&#160;values&#160;calculated<br/>using internal models at</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level&#160;2 </span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level&#160;3 </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Valuation&#160;techniques</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Main assumptions</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">ASSETS</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4778" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11242">163,796</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4779" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11243">18,487</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4780" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11244">139,293</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4781" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11245">6,496</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4782" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11246">14,191</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4783" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11247">441</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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format="ixt:num-dot-decimal" scale="6" id="f-11248">25,815</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4785" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11249">152</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4786" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11250">27,986</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4787" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11251">4,592</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt and equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4788" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11252">14,470</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4789" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11253">340</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4790" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11254">56,831</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4791" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11255">971</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4792" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11256">39,716</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4793" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11257">551</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method, Gaussian Copula</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices, HPI, Basis, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4794" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11258">1,332</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4795" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11259">39</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Black-Scholes Model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Volatility surfaces, FX market prices, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4796" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11260">1,490</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4797" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11261">39</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Black's Model, multifactorial advanced models interest rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4799" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:fixed-zero" scale="6" id="f-11263">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4800" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11264">439</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4822" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:fixed-zero" scale="6" id="f-11286">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4823" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:fixed-zero" scale="6" id="f-11287">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4824" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11288">413</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4825" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:fixed-zero" scale="6" id="f-11289">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices, HPI</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4826" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11290">4,725</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4827" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11291">14</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4828" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11292">14</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4829" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11293">20</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices </span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial assets  at fair value through other comprehensive  income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4830" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11294">12,962</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4831" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11295">9,061</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Equity instruments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4832" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11296">19</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4833" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11297">272</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Market price, Dividends and Others</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4834" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11298">6,819</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4835" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11299">887</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and receivables</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4836" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11300">6,124</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4837" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11301">7,902</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices and Credit curves</span></td></tr></table></div></ix:continuation></ix:nonNumeric><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">290</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-273"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-11241-1" continuedAt="f-11241-2"><ix:continuation id="f-11154-5" continuedAt="f-11154-6"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"/><td style="width:30.799%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.989%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.989%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.541%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:22.490%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:22.492%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair&#160;values&#160;calculated<br/>using internal models at</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level&#160;2 </span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level&#160;3 </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Valuation&#160;techniques</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Main assumptions</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">LIABILITIES</span></div></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4778" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11302">198,377</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4779" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11303">1,110</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial liabilities held for trading</span></div></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4838" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11304">133,490</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4839" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-11305">864</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4840" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11306">12,385</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4841" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:fixed-zero" scale="6" id="f-11307">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">FX market prices, Yield curves</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4842" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11308">27,058</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4843" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:fixed-zero" scale="6" id="f-11309">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">FX market prices, Yield curves</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4844" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11310">36,120</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4845" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:fixed-zero" scale="6" id="f-11311">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">FX market prices, Yield curves</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4846" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11312">50,248</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4847" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-11313">864</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4848" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11314">33,597</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4849" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-11315">418</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method, Gaussian Copula</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices, Basis, Liquidity, HPI</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4850" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-11316">903</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4851" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-11317">34</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Black-Scholes Model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Volatility surfaces, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4856" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-11322">121</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4857" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:fixed-zero" scale="6" id="f-11323">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" 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0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves ,FX market prices, Equity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Swaps</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4864" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11330">4,191</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4865" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-11331">19</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 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Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4868" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-11334">38</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4869" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:fixed-zero" scale="6" id="f-11335">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method, Advanced stochastic volatility models and other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves , 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2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4871" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:fixed-zero" scale="6" id="f-11337">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Liabilities under insurance contracts</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4872" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11338">18,510</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4873" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-11339">227</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Present Value Method with actuarial techniques</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:105%">Mortality tables and interest rate curves</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Level 2 internal models use data based on observable market parameters, while level 3 internal models use significant non-observable inputs in market data.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Includes mainly temporary acquisitions/disposals of assets with corporate clients and, to a lesser extent, with central banks.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Includes mainly syndicated loans under the HTC&amp;S business model.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">It mainly includes short-term deposits that are managed based on their fair value.</span></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">291</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-274"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-11241-2" continuedAt="f-11241-3"><ix:continuation id="f-11154-6" continuedAt="f-11154-7"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:29.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:28.090%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair values calculated<br/>using internal models at</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair values calculated<br/>using internal models at</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level 3</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level 3</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Valuation techniques</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ASSETS</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4874" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11340">163,941</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4875" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11341">15,319</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4876" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11342">133,874</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4877" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11343">10,351</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4878" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11344">138,176</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4879" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11345">3,930</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4880" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11346">106,993</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4881" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11347">2,086</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4882" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11348">12,966</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4883" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:fixed-zero" scale="0" id="f-11349">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4884" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11350">17,717</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4885" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:fixed-zero" scale="6" id="f-11351">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4886" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11352">26,546</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4887" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11353">769</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4888" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11354">14,061</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4889" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:fixed-zero" scale="0" id="f-11355">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4890" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11356">24,602</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4891" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11357">1,801</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4892" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11358">11,418</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4893" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11359">24</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt and equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4894" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11360">11,115</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4895" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11361">413</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4896" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11362">8,683</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4897" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11363">915</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4898" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11364">62,947</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4899" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11365">947</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4900" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11366">55,114</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4902" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11368">47,519</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4903" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11369">556</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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id="f-11383">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4918" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11384">465</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4919" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11385">241</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4920" 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id="f-11408">1,505</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4943" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11409">2,588</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4945" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11411">2,095</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4946" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11412">763</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4947" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11413">1,841</ix:nonFraction>&#160;</span></td><td 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4949" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11415">1,495</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities issued</span></td><td colspan="2" 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id="f-11426">6,846</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4961" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11427">181</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" 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id="f-11430">459</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4965" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:fixed-zero" scale="6" id="f-11431">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4966" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11432">4,590</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4967" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11433">20</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4968" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11434">6,189</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4969" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11435">31</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4970" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11436">67</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4971" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11437">86</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4972" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11438">198</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4973" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11439">150</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander 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style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4975" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11441">8,675</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4976" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11442">12,688</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4977" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11443">5,989</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Equity instruments</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4978" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11444">5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4979" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11445">375</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4980" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11446">5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4981" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11447">492</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4982" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11448">9,644</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4983" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11449">1,047</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4984" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11450">9,638</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4985" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-11451">559</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and receivables</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4986" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11452">3,894</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4987" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11453">7,253</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4988" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11454">3,045</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4989" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11455">4,938</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">292</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-275"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-11154-7" continuedAt="f-11154-8"><ix:continuation id="f-11241-3"><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:30.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:27.053%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair values calculated<br/>using internal models at</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair values calculated<br/>using internal models at</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level 3</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level 3</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4875" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11457">1,352</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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id="f-11459">1,227</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4990" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11460">121,243</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4991" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-11461">934</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4993" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-11463">869</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4994" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11464">13,300</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4995" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:fixed-zero" scale="6" id="f-11465">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4996" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11466">7,808</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4997" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:fixed-zero" scale="6" id="f-11467">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4998" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11468">26,284</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4999" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:fixed-zero" scale="6" id="f-11469">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5000" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11470">17,862</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5001" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:fixed-zero" scale="6" id="f-11471">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5002" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11472">18,984</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5003" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:fixed-zero" scale="6" id="f-11473">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5004" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11474">19,837</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5005" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:fixed-zero" scale="6" id="f-11475">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5006" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11476">56,205</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5007" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-11477">934</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5008" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11478">49,380</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5009" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-11479">869</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5010" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11480">41,283</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5011" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-11481">479</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5012" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11482">39,395</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5013" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-11483">388</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method, Gaussian Copula</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5014" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11484">2,295</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5015" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-11485">79</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5016" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11486">2,207</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5017" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-11487">139</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Black's Model, advanced multifactor interest rate models</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange rate 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contextRef="c-5026" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-11496">1,276</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5027" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:fixed-zero" scale="6" id="f-11497">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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id="f-11502">6,662</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5033" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-11503">147</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5057" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-11527">29</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5061" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-11531">323</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present Value method with actuarial techniques</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Level 2 internal models use data based on observable market parameters, while level 3 internal models use significant non-observable inputs in market data.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Includes mainly temporary acquisitions/disposals of assets with corporate clients and, to a lesser extent, with central banks. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Includes mainly syndicated loans under the HTC&amp;S business model.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Includes, mainly, short-term deposits that are managed based on their fair value.</span></div></ix:continuation><div style="text-indent:10.91pt"><span><br/></span></div><div style="margin-bottom:3pt;margin-top:9pt;padding-right:263.62pt"><span id="i2902ca59b5bf48d99441ca0a7246286a"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Financial Instruments (level 3)</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Set forth below are the Group&#8217;s main financial instruments measured using unobservable market data as significant inputs of the internal models (level 3):</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">HTC&amp;S (Held to collect and sale) syndicated loans classified in the fair value category with changes in other comprehensive income, where the cost of liquidity is not directly observable in the market, as well as the prepayment option in favour of the borrower.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Repos and reverse repos classified as financial assets held for trading, whose valuation uses significant unobservable inputs, mainly associated with credit adjustments, liquidity and certain specific characteristics of the counterparty and the collateral.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Illiquid equity in non-trading portfolios, classified at fair value through profit or loss and at fair value through equity. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Instruments in Santander UK&#8217;s portfolio (loans, debt securities and derivatives) linked to the House Price Index (HPI). Even if the valuation techniques used for these instruments may be the same as those used to value similar products (present value in the case of loans and debt securities, and the Black-Scholes model for derivatives), the main factors used in the valuation of these instruments are the HPI spot rate, the growth and volatility </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">thereof, and the mortality rates, which are not always observable in the market and, accordingly, these instruments are considered illiquid.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Callable interest rate derivatives (Bermudan-style options) where the main unobservable input is mean reversion of interest rates.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Trading derivatives on interest rates, taking as an underlying asset titling and with the amortization rate (CPR, Conditional prepayment rate) as unobservable main entry.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"> Derivatives from trading on inflation in Spain, where volatility is not observable in the market.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Equity volatility derivatives, specifically indices and equities, where volatility is not observable in the long term.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Derivatives on long-term interest rate and FX in some units (mainly South America) where for certain underlyings it is not possible to demonstrate observability to these terms.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Debt instruments referenced to certain illiquid interest rates, for which there is no reasonable market observability.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">293</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-276"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-11154-8" continuedAt="f-11154-9"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The measurements obtained using the internal models might have been different if other methods or assumptions had been used with respect to interest rate risk, to credit risk, market risk and foreign currency risk spreads, or to their related correlations and volatilities. Nevertheless, the Bank considers that the fair value of the financial assets and liabilities recognised in the consolidated balance sheet and the gains and losses arising from these financial instruments are reasonable.</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:130%">The net amount recognised in profit and loss in 2025 arising from models whose significant inputs are unobservable market data (level 3) amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:GainsLossesRecognisedInProfitOrLossFairValueMeasurement" scale="6" id="f-11532">469</ix:nonFraction> profit (EUR <ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="san:GainsLossesRecognisedInProfitOrLossFairValueMeasurement" scale="6" id="f-11533">523</ix:nonFraction>&#160;million and EUR <ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:GainsLossesRecognisedInProfitOrLossFairValueMeasurement" scale="6" id="f-11534">404</ix:nonFraction>&#160;million profit in 2024 and  2023, respectively).</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:3pt;margin-top:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span id="i834d0e1fedf549f498c6918fb2113db5"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">1.</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%;padding-left:3.55pt">Valuation techniques</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementsOfAssetsAndLiabilitiesTableTextBlock" id="f-11535" continuedAt="f-11535-1" escape="true"><div style="margin-bottom:9pt;padding-right:260.79pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The table below shows the effect, at 31 December 2025, 2024 and 2023 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:99.871%"><tr><td style="width:1.0%"/><td style="width:19.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.644%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 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:105%">Portfolio/Instrument</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Valuation technique</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Main unobservable inputs</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Range</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Weighted average</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impacts (EUR million)</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(Level 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Unfavourable scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Favourable scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets held for trading</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Repos/Reverse repos</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market proxy</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price / Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5062" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11536">10.50</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5062" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11537">10.50</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Corporate debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5063" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11538">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5064" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11539">10</ix:nonFraction>%</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5065" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11540">5.10</ix:nonFraction>%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5066" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11541">2.24</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5066" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11542">2.29</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Government debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discount curve</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5067" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11543">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5068" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11544">8</ix:nonFraction>%</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5069" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11545">4.00</ix:nonFraction>%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5070" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11546">9.21</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5070" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11547">9.24</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5071" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11548">10</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5072" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11549">90</ix:nonFraction>%</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5073" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11550">35.50</ix:nonFraction>%</span></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5074" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11551">1.32</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5074" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11552">0.62</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Derivatives</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Modelo de Black Scholes</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5075" decimals="6" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11553">6.50</ix:nonFraction>)bps - <ix:nonFraction unitRef="number" contextRef="c-5076" decimals="6" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11554">6.50</ix:nonFraction>bps</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5077" decimals="6" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11555">1.00</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">bps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5078" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11556">0.38</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5078" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11557">0.52</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">CCS</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5079" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11558">146.3</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5080" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11559">148.3</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5081" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11560">147.30</ix:nonFraction></span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5082" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11561">0.01</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5082" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11562">0.01</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5083" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11563">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5084" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11564">70</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5085" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11565">40.50</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5086" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11566">0.17</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5086" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11567">0.24</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Local volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5087" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11568">10</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5088" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11569">90</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5089" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11570">50.00</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5090" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11571">18.86</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5090" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11572">18.86</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Fx Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Fx option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5091" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11573">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5092" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11574">40</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5093" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11575">19.80</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5094" decimals="-5" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11576">0.5</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5094" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11577">0.49</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Forward</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5095" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11578">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5096" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11579">15</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5097" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11580">8.10</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5098" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11581">0.01</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5098" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11582">0.02</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Asset Swap model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5099" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11583">2</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5100" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11584">8</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5101" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11585">4.90</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5102" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11586">0.18</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5102" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11587">0.17</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5103" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11588">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5104" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11589">30</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5105" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11590">14.80</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5106" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11591">0.19</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5106" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11592">0.19</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">INF option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5107" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11593">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5108" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11594">30</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5109" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11595">14.90</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5110" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11596">0.63</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5110" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11597">0.63</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5111" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11598">5</ix:nonFraction>% - n.a.</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5112" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11599">11.24</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5112" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11600">8.23</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5113" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11601">19.6</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5114" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11602">127.5</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5115" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11603">50.50</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5116" decimals="-5" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11604">2.1</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5116" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11605">0.84</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5117" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11606">1.0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5118" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11607">99.0</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5119" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11608">99.00</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5120" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11609">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5120" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11610">1.41</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5121" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11611">60</ix:nonFraction>bps - <ix:nonFraction unitRef="number" contextRef="c-5122" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11612">300</ix:nonFraction>bps</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5123" decimals="6" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11613">179.80</ix:nonFraction>bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5124" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11614">3.48</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5124" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11615">3.47</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Property derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5125" decimals="2" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11616">5</ix:nonFraction>)% - <ix:nonFraction unitRef="number" contextRef="c-5126" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11617">5</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5127" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11618">0.00</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5128" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11619">2.64</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5128" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11620">2.64</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Securitisation Swap</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Constant prepayment rates</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5129" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11621">10</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5130" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11622">90</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5131" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11623">50.00</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5132" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11624">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5132" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11625">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets designated at fair value through profit or loss</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spreads</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5133" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11626">0.1</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5134" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11627">3</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5135" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11628">1.60</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5136" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11629">0.12</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5136" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11630">0.12</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage portfolio</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Black Scholes model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5137" decimals="2" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11631">5</ix:nonFraction>)% - <ix:nonFraction unitRef="number" contextRef="c-5138" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11632">5</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5139" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11633">0.00</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5140" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11634">0.23</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5140" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11635">0.23</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other debt securities</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5141" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11636">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5142" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11637">8</ix:nonFraction>%</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5143" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11638">4.10</ix:nonFraction></span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5144" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11639">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5144" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11640">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">294</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-277"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-11535-1" continuedAt="f-11535-2"><ix:continuation id="f-11154-9" continuedAt="f-11154-10"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:19.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.643%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 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:105%">Portfolio/Instrument</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Valuation technique</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Main unobservable inputs</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Range</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Weighted average</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impacts (EUR million)</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(Level 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Unfavourable scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Favourable scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Non-trading financial assets mandatorily at fair value through profit or loss</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Property securities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Probability weighting</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5145" decimals="2" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11641">5</ix:nonFraction>)% - <ix:nonFraction unitRef="number" contextRef="c-5146" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11642">5</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5147" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11643">0.00</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5148" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11644">0.11</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5148" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11645">0.11</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Equity instruments</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5149" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11646">90</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5150" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11647">110</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5151" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11648">100.00</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5152" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11649">254.29</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5152" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11650">254.29</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets at fair value through other comprehensive income</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5153" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11651">2.33</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5153" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11652">2.33</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate curve</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5154" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11653">6.1</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5155" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11654">7.2</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5156" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11655">6.60</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5157" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11656">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5157" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11657">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Margin of a reference portfolio</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5158" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11658">3</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5159" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11659">7</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5160" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11660">5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5161" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11661">0.25</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5161" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11662">0.25</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5162" decimals="5" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11663">121.9</ix:nonFraction>bps - <ix:nonFraction unitRef="number" contextRef="c-5163" decimals="5" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11664">174.7</ix:nonFraction> bps</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5164" decimals="5" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11665">121.9</ix:nonFraction>bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5165" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11666">1.6</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5165" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11667">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5166" decimals="3" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11668">0.3</ix:nonFraction>)% - <ix:nonFraction unitRef="number" contextRef="c-5167" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11669">0.1</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5168" decimals="4" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11670">0.30</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5169" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11671">2.70</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5169" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11672">0.54</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage Letters</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage Letters</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5170" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11673">3.4</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5171" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11674">5.5</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5172" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11675">4.50</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5173" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11676">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5173" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11677">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Equity instruments</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5174" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11678">90</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5175" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11679">110</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5176" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11680">100.00</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5177" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11681">27.16</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5177" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11682">27.16</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial liabilities held for trading</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Derivatives</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5178" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-11683">10</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5179" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-11684">90</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5180" decimals="4" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-11685">43.80</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5181" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-11686">0.09</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5181" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-11687">0.07</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5182" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-11688">10</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5183" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-11689">90</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5184" decimals="4" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-11690">42.30</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5185" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-11691">0.33</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5185" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-11692">0.22</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5186" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-11693">1</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5187" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-11694">99</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5188" decimals="4" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-11695">50.40</ix:nonFraction></span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5189" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-11696">1.38</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5189" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-11697">1.40</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit Spread</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5190" decimals="5" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-4" id="f-11698">8.4</ix:nonFraction>bps - <ix:nonFraction unitRef="number" contextRef="c-5191" decimals="5" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-4" id="f-11699">19.2</ix:nonFraction>bps</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5192" decimals="6" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11700">10.70</ix:nonFraction>bps</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5193" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-11701">2.42</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5193" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-11702">0.66</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">295</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-278"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-11535-2" continuedAt="f-11535-3"><ix:continuation id="f-11154-10" continuedAt="f-11154-11"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:19.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.644%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 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:105%">Portfolio/Instrument</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Valuation technique</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Main unobservable inputs</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Range</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Weighted average</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impacts (EUR million)</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(Level 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Unfavourable scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Favourable scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets held for trading</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Repos/Reverse repos</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Long-term repo spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5194" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11703">0.05</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5194" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11704">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Corporate debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5195" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11705">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5196" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11706">10</ix:nonFraction>%</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5197" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11707">5.10</ix:nonFraction>%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5198" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11708">2.24</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5198" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11709">2.29</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Government debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discount curve</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5199" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11710">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5200" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11711">8</ix:nonFraction>%</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5201" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11712">4.00</ix:nonFraction>%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5202" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11713">9.21</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5202" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11714">9.24</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5203" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11715">10</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5204" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11716">90</ix:nonFraction>%</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5205" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11717">35.50</ix:nonFraction>%</span></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5206" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11718">1.32</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5206" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11719">0.62</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Derivatives</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5207" decimals="4" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11720">2</ix:nonFraction>)bps - <ix:nonFraction unitRef="number" contextRef="c-5208" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11721">2</ix:nonFraction>bps</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5209" decimals="6" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11722">0.00</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">bps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5210" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11723">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5210" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11724">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">CCS</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5211" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11725">158</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5212" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11726">165</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5213" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11727">161.50</ix:nonFraction></span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5214" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11728">0.01</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5214" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11729">0.01</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">CDS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5215" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11730">100</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5216" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11731">250</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5217" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11732">178.83</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5218" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11733">0.09</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5218" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11734">0.10</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5219" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11735">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5220" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11736">70</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5221" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11737">41.25</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5222" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11738">0.48</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5222" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11739">0.69</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Local volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5223" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11740">10</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5224" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11741">90</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5225" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11742">50.00</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5226" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11743">21.54</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5226" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11744">21.54</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Forward</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5227" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11745">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5228" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11746">15</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5229" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11747">8.08</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5230" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11748">0.06</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5230" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11749">0.07</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5231" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11750">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5232" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11751">40</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5233" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11752">20.10</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5234" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11753">0.65</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5234" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11754">0.66</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Asset Swap model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5235" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11755">2</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5236" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11756">8</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5237" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11757">4.78</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5238" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11758">0.21</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5238" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11759">0.18</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5239" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11760">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5240" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11761">30</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5241" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11762">17.34</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5242" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11763">0.16</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5242" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11764">0.22</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5243" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11765">5</ix:nonFraction>% - n.a.</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5244" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11766">4.09</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5244" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11767">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5245" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11768">47.8</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5246" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11769">273.4</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5247" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11770">155.36</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5248" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11771">1.91</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5248" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11772">1.74</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Swap rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5249" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11773">1</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5250" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11774">99</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5251" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11775">49.58</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5252" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11776">2.45</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5252" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11777">2.41</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5253" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11778">60</ix:nonFraction>bps - <ix:nonFraction unitRef="number" contextRef="c-5254" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11779">300</ix:nonFraction>bps</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5255" decimals="6" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11780">181.50</ix:nonFraction>bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5256" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11781">3.00</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5256" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11782">3.08</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Property derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5257" decimals="2" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11783">5</ix:nonFraction>)% - <ix:nonFraction unitRef="number" contextRef="c-5258" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11784">5</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5259" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11785">0.00</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5260" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11786">3.39</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5260" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11787">3.39</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Securitisation Swap</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Constant prepayment rates</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5261" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11788">10</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5262" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11789">90</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5263" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11790">50.00</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5264" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11791">0.63</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5264" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11792">0.63</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets designated at fair value through profit or loss</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spreads</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5265" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11793">0.1</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5266" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11794">2.0</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5267" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11795">1.05</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5268" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11796">0.15</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5268" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11797">0.15</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage portfolio</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Black Scholes model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5269" decimals="2" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11798">5</ix:nonFraction>)% - <ix:nonFraction unitRef="number" contextRef="c-5270" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11799">5</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5271" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11800">0.00</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5272" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11801">0.24</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5272" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11802">0.24</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other debt securities</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5273" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11803">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5274" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11804">8</ix:nonFraction>%</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5275" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11805">3.96</ix:nonFraction></span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5276" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11806">3.63</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5276" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11807">3.55</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">296</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-279"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-11535-3" continuedAt="f-11535-4"><ix:continuation id="f-11154-11" continuedAt="f-11154-12"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:19.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.643%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 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:105%">Portfolio/Instrument</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Valuation technique</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Main unobservable inputs</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Range</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Weighted average</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impacts (EUR million)</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(Level 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Unfavourable scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Favourable scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Non-trading financial assets mandatorily at fair value through profit or loss</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Property securities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Probability weighting</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5277" decimals="2" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11808">5</ix:nonFraction>)% - <ix:nonFraction unitRef="number" contextRef="c-5278" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11809">5</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5279" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11810">0.00</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5280" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11811">0.24</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5280" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11812">0.24</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Equity instruments</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5281" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11813">90</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5282" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11814">110</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5283" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11815">100.00</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5284" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11816">183.98</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5284" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11817">183.98</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets at fair value through other comprehensive income</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5285" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11818">18.61</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5285" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11819">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate curve</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5286" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11820">3.4</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5287" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11821">6.5</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5288" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11822">4.95</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5289" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11823">0.17</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5289" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11824">0.17</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Margin of a reference portfolio</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5290" decimals="4" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11825">1</ix:nonFraction>)bps - <ix:nonFraction unitRef="number" contextRef="c-5291" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11826">1</ix:nonFraction>bps </span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5292" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11827">0</ix:nonFraction>bp</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5293" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11828">30.36</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5293" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11829">30.36</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5294" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11830">150</ix:nonFraction>bps - <ix:nonFraction unitRef="number" contextRef="c-5295" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11831">232</ix:nonFraction>bps</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5296" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11832">150</ix:nonFraction>bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5297" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11833">1.96</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5297" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11834">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5298" decimals="2" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11835">5</ix:nonFraction>)% - <ix:nonFraction unitRef="number" contextRef="c-5299" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11836">20</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5300" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11837">0.01</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5301" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11838">4.91</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5301" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11839">1.23</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Corporate debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Margin of a reference portfolio</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5302" decimals="4" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11840">0.01</ix:nonFraction>)% - <ix:nonFraction unitRef="number" contextRef="c-5303" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11841">0.01</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5304" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11842">0.00</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5305" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11843">0.09</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5305" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11844">0.09</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage Letters</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage Letters</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5306" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11845">1.6</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5307" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11846">5.2</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5308" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11847">3.40</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5309" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11848">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5309" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11849">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Equity instruments</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5310" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11850">90</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5311" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11851">110</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5312" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11852">100.00</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5313" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11853">37.56</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5313" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11854">37.56</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial liabilities held for trading</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Derivatives</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5314" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-11855">10</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5315" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-11856">90</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5316" decimals="4" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-11857">42.20</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5317" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-11858">0.11</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5317" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-11859">0.07</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5318" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-11860">10</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5319" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-11861">90</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5320" decimals="4" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-11862">45.30</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5321" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-11863">0.03</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5321" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-11864">0.02</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5322" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-11865">1</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5323" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-11866">99</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5324" decimals="4" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-11867">47.12</ix:nonFraction></span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5325" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-11868">4.77</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5325" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-11869">4.24</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">Credit spread</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5326" decimals="4" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-4" id="f-11870">34</ix:nonFraction>bps - <ix:nonFraction unitRef="number" contextRef="c-5327" decimals="4" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-4" id="f-11871">68</ix:nonFraction>bps</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5328" decimals="4" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-4" id="f-11872">44</ix:nonFraction>bps</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5329" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-11873">4.09</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5329" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-11874">1.65</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">For each instrument, the valuation technique, the unobservable inputs are shown in the 'Main observable inputs' column under probable scenarios, variation range, average value and impact resulting from valuing the position in the established maximum and minimum range. </span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">The breakdown of impacts is shown by type of instrument and unobservable inputs. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">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="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Zero impacts from fully hedged or back-to-back transactions have not been included in this exercise.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div></ix:continuation></ix:continuation><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">297</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-280"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:3pt;margin-top:9pt"><span><br/></span></div><ix:continuation id="f-11535-4" continuedAt="f-11535-5"><ix:continuation id="f-11154-12" continuedAt="f-11154-13"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:19.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.643%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 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:105%">Portfolio/Instrument</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Valuation technique</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Main unobservable inputs</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Range</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Weighted average</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impacts (EUR million)</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(Level 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Unfavourable scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Favourable scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets held for trading</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Repos/Reverse repos</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Long-term repo spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5330" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11875">0.05</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5330" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11876">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Corporate debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5331" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11877">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5332" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11878">10</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5333" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11879">5.06</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5334" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11880">4.50</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5334" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11881">4.61</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Government debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discount curve</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5335" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11882">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5336" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11883">8</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5337" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11884">3.99</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5338" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11885">8.07</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5338" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11886">8.02</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Derivatives</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">CCS</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5339" decimals="4" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11887">6</ix:nonFraction>)bps - <ix:nonFraction unitRef="number" contextRef="c-5340" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11888">6</ix:nonFraction>bps</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5341" decimals="6" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11889">0.40</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">bps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5342" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11890">0.90</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5342" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11891">1.03</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">CDS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit default models</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Illiquid credit default spread curves</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5343" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11892">100</ix:nonFraction>bps - <ix:nonFraction unitRef="number" contextRef="c-5344" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11893">200</ix:nonFraction>bps</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5345" decimals="6" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11894">149.14</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5346" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11895">0.14</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5346" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11896">0.14</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5347" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11897">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5348" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11898">70</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5349" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11899">41.25</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5350" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11900">0.48</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5350" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11901">0.69</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Local volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5351" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11902">10</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5352" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11903">90</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5353" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11904">50.00</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5354" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11905">21.54</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5354" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11906">21.54</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5355" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11907">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5356" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11908">40</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5357" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11909">20.10</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5358" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11910">0.65</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5358" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11911">0.66</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Asset Swap model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5359" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11912">2</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5360" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11913">8</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5361" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11914">4.78</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5362" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11915">0.21</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5362" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11916">0.18</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5363" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11917">0.0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5364" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11918">30.0</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5365" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11919">17.34</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5366" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11920">0.16</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5366" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11921">0.22</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5367" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11922">5</ix:nonFraction>% - n.a.</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5368" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11923">4.09</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5368" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11924">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5369" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11925">47.8</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5370" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11926">273.4</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5371" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11927">155.36</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5372" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11928">1.91</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5372" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11929">1.74</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Swap rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5373" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11930">1.0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5374" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11931">99.0</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5375" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11932">49.58</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5376" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11933">2.45</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5376" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11934">2.41</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5377" decimals="5" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11935">5.2</ix:nonFraction>)bps - <ix:nonFraction unitRef="number" contextRef="c-5378" decimals="5" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11936">5.2</ix:nonFraction>bps</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5379" decimals="6" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11937">0.09</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5380" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11938">0.03</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5380" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11939">0.03</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Prepayment modelling</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Prepayment rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5381" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11940">2.5</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5382" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11941">9.0</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5383" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11942">8.92</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5384" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11943">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5384" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11944">0.05</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Property derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5385" decimals="2" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11945">5</ix:nonFraction>)% - <ix:nonFraction unitRef="number" contextRef="c-5386" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11946">5</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5387" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11947">0.00</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5388" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11948">3.39</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5388" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11949">3.39</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Securitisation Swap</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Constant prepayment rates</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5389" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11950">10.00</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5390" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11951">90.00</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5391" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11952">50.00</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5392" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11953">0.63</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5392" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11954">0.63</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Structured notes</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price based</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5393" decimals="2" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11955">10</ix:nonFraction>)% - <ix:nonFraction unitRef="number" contextRef="c-5394" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11956">10</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5395" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11957">0.00</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5396" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11958">1.53</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5396" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11959">1.53</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets designated at fair value through profit or loss</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spreads</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5397" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11960">0.1</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5398" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11961">2</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5399" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11962">1.05</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5400" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11963">0.15</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5400" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11964">0.15</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage portfolio</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Black Scholes model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;(<ix:nonFraction unitRef="number" contextRef="c-5401" decimals="2" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11965">5</ix:nonFraction>)%- <ix:nonFraction unitRef="number" contextRef="c-5402" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11966">5</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5403" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11967">0.00</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5404" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11968">0.24</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5404" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11969">0.24</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other debt securities</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5405" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11970">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5406" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11971">8</ix:nonFraction>%</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5407" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11972">3.96</ix:nonFraction></span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5408" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11973">3.63</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5408" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11974">3.55</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">298</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-281"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-11535-5"><ix:continuation id="f-11154-13" continuedAt="f-11154-14"><div style="margin-bottom:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:19.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.052%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 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:105%">Portfolio/Instrument</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Valuation technique</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Main unobservable inputs</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Range</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Weighted average</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impacts (EUR million)</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(Level 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Unfavourable scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Favourable scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Non-trading financial assets mandatorily at fair value through profit or loss</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Property securities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Probability weighting</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5409" decimals="2" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11975">5</ix:nonFraction>)% - <ix:nonFraction unitRef="number" contextRef="c-5410" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11976">5</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5411" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11977">0.00</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5412" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11978">0.24</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5412" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11979">0.24</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Equity instruments</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5413" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11980">90</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5414" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11981">110</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5415" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11982">100.00</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5416" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11983">183.98</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5416" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11984">183.98</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets at fair value through other comprehensive income</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a. </span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5417" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11985">18.61</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5417" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-11986">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate curve</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5418" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11987">3.4</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5419" decimals="3" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11988">6.5</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5420" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-11989">4.95</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5421" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11990">0.17</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5421" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11991">0.17</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Margin of a reference portfolio</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5422" decimals="4" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11992">1</ix:nonFraction>)bp - <ix:nonFraction unitRef="number" contextRef="c-5423" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11993">1</ix:nonFraction>bp</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5424" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11994">0</ix:nonFraction>bp</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5425" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11995">30.36</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5425" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-11996">30.36</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5426" decimals="5" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11997">150.0</ix:nonFraction>bps - <ix:nonFraction unitRef="number" contextRef="c-5427" decimals="5" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11998">232.0</ix:nonFraction>bps</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5428" decimals="6" name="ifrs-full:SignificantUnobservableInputAssets" scale="-4" id="f-11999">150.00</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5429" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-12000">1.96</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5429" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-12001">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5430" decimals="2" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-12002">5</ix:nonFraction>)% - <ix:nonFraction unitRef="number" contextRef="c-5431" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-12003">20</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5432" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-12004">0.01</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5433" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-12005">4.91</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5433" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-12006">1.23</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Corporate debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Margin of a reference portfolio</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-5434" decimals="4" sign="-" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-12007">0.01</ix:nonFraction>)% - <ix:nonFraction unitRef="number" contextRef="c-5435" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-12008">0.01</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5436" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-12009">0.00</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5437" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-12010">0.09</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5437" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-12011">0.09</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Government debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5438" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-12012">0</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5439" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-12013">2</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5440" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-12014">0.99</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5441" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-12015">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5441" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" format="ixt:fixed-zero" scale="6" id="f-12016">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Equity instruments</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5442" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-12017">90</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5443" decimals="2" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-12018">110</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5444" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-12019">100.00</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5445" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-12020">37.56</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5445" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" scale="6" id="f-12021">37.56</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial liabilities held for trading</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Derivatives</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5446" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-12022">10</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5447" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-12023">90</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5448" decimals="4" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-12024">42.20</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5449" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-12025">0.11</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5449" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-12026">0.07</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">CMS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5450" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-12027">10</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5451" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-12028">90</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5452" decimals="4" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-12029">47.66</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5453" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" format="ixt:fixed-zero" scale="6" id="f-12030">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5453" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" format="ixt:fixed-zero" scale="6" id="f-12031">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5454" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-12032">10</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5455" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-12033">90</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5456" decimals="4" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-12034">45.30</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5457" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-12035">0.03</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5457" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-12036">0.02</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5458" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-12037">10</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5459" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-12038">90</ix:nonFraction>%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5460" decimals="4" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-12039">39.03</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5461" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-12040">4.09</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5461" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-12041">1.65</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Swaptions</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5462" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-12042">10</ix:nonFraction>% - <ix:nonFraction unitRef="number" contextRef="c-5463" decimals="2" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-12043">90</ix:nonFraction>%</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-5464" decimals="4" name="ifrs-full:SignificantUnobservableInputLiabilities" scale="-2" id="f-12044">35.55</ix:nonFraction></span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5465" decimals="-4" name="ifrs-full:DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-12045">0.21</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5465" decimals="-4" name="ifrs-full:IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" scale="6" id="f-12046">0.10</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">For each instrument, the valuation technique, the unobservable inputs are shown in the 'Main observable inputs' column under probable scenarios, variation range, average value and impact resulting from valuing the position in the established maximum and minimum range. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">The breakdown of impacts is shown by type of instrument and unobservable inputs. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">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="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Zero impacts from fully hedged or back-to-back transactions have not been included in this exercise.</span></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">299</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-282"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-11154-14" continuedAt="f-11154-15"><div style="margin-bottom:3pt;margin-top:9pt"><span id="iab10718821864526850bed361c0a67bb"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">2. Movement of financial instruments classified as Level 3</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfChangesInFairValueOfFinancialAssetsAndLiabilitiesCalculatedUsingInternalModelsTableTextBlock" id="f-12047" continuedAt="f-12047-1" escape="true"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Lastly, the changes in the financial instruments classified as Level 3 in 2025, 2024 and 2023 were 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:99.871%"><tr><td style="width:1.0%"/><td style="width:23.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.270%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.238%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">01/01/2025</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Changes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31/12/2025</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;padding:2px 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:105%">EUR million</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value calculated using internal models (Level 3)</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Purchases/<br/>Issuances</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Sales/Settlements</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in<br/>fair value<br/>recognised<br/>in profit or<br/>loss</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in<br/>fair value<br/>recognised<br/>in equity</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level<br/>reclassifications</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value<br/>calculated<br/>using<br/>internal<br/>models<br/>(level&#160;3)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5466" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-12048">3,930</ix:nonFraction></span><span style="color:#000000;font-family:'Santander 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5470" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-12059">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5579" decimals="-6" name="ifrs-full:PurchasesFairValueMeasurementLiabilities" format="ixt:fixed-zero" scale="6" id="f-12320">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5579" decimals="-6" name="ifrs-full:SalesFairValueMeasurementLiabilities" format="ixt:fixed-zero" scale="6" id="f-12321">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5579" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" scale="6" id="f-12322">19</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5579" decimals="-6" name="ifrs-full:GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementLiabilities" format="ixt:fixed-zero" scale="6" id="f-12323">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid 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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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5541" decimals="-6" name="ifrs-full:SalesFairValueMeasurementLiabilities" scale="6" id="f-12329">256</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5541" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" scale="6" id="f-12330">64</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid 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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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5541" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-12332">101</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5541" decimals="-6" name="san:OtherIncreaseDecreaseInFairValueMeasurementLiabilities" scale="6" id="f-12333">19</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4779" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-12334">1,110</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">300</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-283"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-12047-1" continuedAt="f-12047-2"><ix:continuation id="f-11154-15" continuedAt="f-11154-16"><div style="margin-bottom:3pt;margin-top:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:23.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.270%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.238%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">01/01/2024</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Changes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31/12/2024</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value<br/>calculated<br/>using<br/>internal<br/>models<br/>(level&#160;3)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Purchases<br/>/Issuances</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Sales/Settlements</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in<br/>fair value<br/>recognized<br/>in profit or<br/>loss</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in<br/>fair value<br/>recognized<br/>in equity</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level<br/>reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value<br/>calculated<br/>using<br/>internal<br/>models<br/>(level&#160;3)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5581" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-12335">2,086</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5582" decimals="-6" name="ifrs-full:PurchasesFairValueMeasurementAssets" format="ixt:num-dot-decimal" scale="6" id="f-12336">3,205</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5582" decimals="-6" name="ifrs-full:SalesFairValueMeasurementAssets" scale="6" id="f-12337">813</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5582" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" scale="6" id="f-12338">302</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5582" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="f-12339">715</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5582" decimals="-6" sign="-" name="san:OtherIncreaseDecreaseInFairValueMeasurementAssets" scale="6" id="f-12340">135</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5466" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-12341">3,930</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Credit entities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5583" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:fixed-zero" scale="6" id="f-12342">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5584" decimals="-6" name="ifrs-full:PurchasesFairValueMeasurementAssets" scale="6" id="f-12343">770</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5584" decimals="-6" name="ifrs-full:SalesFairValueMeasurementAssets" format="ixt:fixed-zero" scale="6" id="f-12344">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5584" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" scale="6" id="f-12345">1</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5584" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" format="ixt:fixed-zero" scale="6" id="f-12346">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt 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name="san:OtherIncreaseDecreaseInFairValueMeasurementAssets" scale="6" id="f-12382">39</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5484" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-12383">556</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span 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name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-12398">235</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5601" decimals="-6" name="ifrs-full:PurchasesFairValueMeasurementAssets" scale="6" id="f-12399">42</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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id="f-12516">472</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5632" decimals="-6" name="ifrs-full:SalesFairValueMeasurementLiabilities" scale="6" id="f-12517">200</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5575" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-12584">160</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Liabilities under insurance contracts</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5651" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-12585">323</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5652" decimals="-6" name="ifrs-full:PurchasesFairValueMeasurementLiabilities" format="ixt:fixed-zero" scale="6" id="f-12586">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5652" decimals="-6" name="ifrs-full:SalesFairValueMeasurementLiabilities" format="ixt:fixed-zero" scale="6" id="f-12587">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5652" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" scale="6" id="f-12588">26</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5652" decimals="-6" name="ifrs-full:GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementLiabilities" format="ixt:fixed-zero" scale="6" id="f-12589">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5652" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-12590">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5652" decimals="-6" sign="-" name="san:OtherIncreaseDecreaseInFairValueMeasurementLiabilities" scale="6" id="f-12591">51</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5578" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-12592">246</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL LIABILITIES</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4877" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-12593">1,227</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5630" decimals="-6" name="ifrs-full:PurchasesFairValueMeasurementLiabilities" scale="6" id="f-12594">513</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5630" decimals="-6" name="ifrs-full:SalesFairValueMeasurementLiabilities" scale="6" id="f-12595">205</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5630" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" scale="6" id="f-12596">120</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5630" decimals="-6" name="ifrs-full:GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementLiabilities" format="ixt:fixed-zero" scale="6" id="f-12597">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5630" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-12598">172</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5630" decimals="-6" name="san:OtherIncreaseDecreaseInFairValueMeasurementLiabilities" scale="6" id="f-12599">109</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4875" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-12600">1,352</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">301</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-284"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-12047-2"><ix:continuation id="f-11154-16"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:23.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.270%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.238%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">01/01/2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Changes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31/12/2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:2px 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:105%">Fair value<br/>calculated<br/>using<br/>internal<br/>models<br/>(level&#160;3)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Purchases/</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Issuances</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Sales/Settlements</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Changes in<br/>fair value<br/>recognised<br/>in profit 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contextRef="c-5716" decimals="-6" name="san:OtherIncreaseDecreaseInFairValueMeasurementLiabilities" format="ixt:fixed-zero" scale="6" id="f-12828">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5649" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-12829">29</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities under insurance contracts</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5717" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-12830">345</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5718" decimals="-6" name="ifrs-full:PurchasesFairValueMeasurementLiabilities" format="ixt:fixed-zero" scale="6" id="f-12831">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5718" decimals="-6" name="ifrs-full:SalesFairValueMeasurementLiabilities" format="ixt:fixed-zero" scale="6" id="f-12832">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5718" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" format="ixt:fixed-zero" scale="6" id="f-12833">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5718" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementLiabilities" scale="6" id="f-12834">40</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5718" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" format="ixt:fixed-zero" scale="6" id="f-12835">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5718" decimals="-6" name="san:OtherIncreaseDecreaseInFairValueMeasurementLiabilities" scale="6" id="f-12836">18</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5651" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-12837">323</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL LIABILITIES</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5695" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-12838">925</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5696" decimals="-6" name="ifrs-full:PurchasesFairValueMeasurementLiabilities" scale="6" id="f-12839">308</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5696" decimals="-6" name="ifrs-full:SalesFairValueMeasurementLiabilities" scale="6" id="f-12840">318</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5696" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" scale="6" id="f-12841">124</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5696" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementLiabilities" scale="6" id="f-12842">40</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5696" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-12843">471</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5696" decimals="-6" name="san:OtherIncreaseDecreaseInFairValueMeasurementLiabilities" scale="6" id="f-12844">5</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4877" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-12845">1,227</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">302</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1120"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-285"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:6pt;margin-top:24pt;padding-right:263.62pt"><span id="i52e7068778f740b2aad55be19efaba9c"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">51.&#160;<ix:nonNumeric contextRef="c-1" name="san:DisclosureOfOtherInformationAboutFinancialAssetsAndLiabilitiesTextBlock" id="f-12846" continuedAt="f-12846-1" escape="true">Other disclosures</ix:nonNumeric></span></div><ix:continuation id="f-12846-1" continuedAt="f-12846-2"><div style="margin-bottom:6pt;margin-top:9pt;padding-right:263.62pt"><span id="i543ba1124c584c5080bd8fbd4d60b3cc"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Residual maturity periods</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfFinancialAssetsAndLiabilitiesMaturityPeriodsTableTextBlock" id="f-12847" continuedAt="f-12847-1" escape="true"><div style="margin-bottom:9pt;margin-top:6pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by maturity, of the balances of certain items in the consolidated balance sheet at 31 December 2025, 2024 and 2023 is presented below:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"><tr><td style="width:1.0%"/><td style="width:32.133%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.438%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.438%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.438%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.438%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.438%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.438%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.439%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">On demand</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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scale="6" id="f-12885">851</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5742" decimals="-6" name="ifrs-full:FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-12886">1,870</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction 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name="san:CertainFinancialAssetsLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-12997">34,042</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2457" decimals="-6" name="san:CertainFinancialAssetsLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-12998">89,972</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td 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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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2463" decimals="-6" name="san:CertainFinancialAssetsLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-13000">336,260</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:CertainFinancialAssetsLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-13001">6,117</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Includes promissory notes, certificates of deposit and other short-term debt issues.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">See breakdown by type of debt (subordinated debt, senior unsecured debt, senior secured debt, notes and other securities) (see note 22).</span></div></ix:nonNumeric></ix:continuation><div style="text-indent:10.91pt"><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">303</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-286"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-12847-1" continuedAt="f-12847-2"><ix:continuation id="f-12846-2" continuedAt="f-12846-3"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:33.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.236%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">On demand</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3 years</span></td><td colspan="3" style="border-top:0.5pt 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style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3581" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13046">167,974</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2458" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13047">220,871</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid 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id="f-13054">17,071</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5793" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13055">22,705</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5794" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13056">57,504</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-12" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13057">120,949</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander 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format="ixt:num-dot-decimal" scale="6" id="f-13059">198,937</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5797" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13060">153,933</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction 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unitRef="eur" contextRef="c-39" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13106">1,126,439</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5825" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" scale="6" id="f-13107">17</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5826" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13108">9,063</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5827" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13109">11,022</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5828" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13110">4,772</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5829" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:fixed-zero" scale="6" id="f-13111">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5830" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" scale="6" id="f-13112">8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13114">13,948</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5832" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13115">27,149</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5837" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13121">693,453</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5838" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13122">177,008</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" 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format="ixt:num-dot-decimal" scale="6" id="f-13126">8,455</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-48" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13127">1,011,545</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander 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style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5846" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13131">100,451</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5847" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13132">60,128</ix:nonFraction>&#160;</span></td><td 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decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13139">7,591</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5854" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13140">1,014</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-54" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13141">39,916</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7.75pt 0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5787" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13142">720,659</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5788" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13143">256,651</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3581" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13144">171,362</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2458" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13145">155,620</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2461" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13146">89,229</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2464" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13147">90,801</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13148">1,484,322</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Difference (assets less liabilities)</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5787" decimals="-6" sign="-" name="san:CertainFinancialAssetsLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-13149">486,799</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5788" decimals="-6" sign="-" name="san:CertainFinancialAssetsLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-13150">34,685</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3581" decimals="-6" name="san:CertainFinancialAssetsLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-13151">5,765</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2458" decimals="-6" name="san:CertainFinancialAssetsLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-13152">89,153</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2461" decimals="-6" name="san:CertainFinancialAssetsLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-13153">96,386</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2464" decimals="-6" name="san:CertainFinancialAssetsLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-13154">329,478</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="san:CertainFinancialAssetsLiabilities" scale="6" id="f-13155">702</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Includes promissory notes, certificates of deposit and other short-term debt issues.</span></div></ix:continuation></ix:continuation><div style="padding-left:7.09pt;text-indent:10.91pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:16.5pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">304</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-287"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-12847-2"><ix:continuation id="f-12846-3" continuedAt="f-12846-4"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:33.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.236%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">On demand</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial assets<br/>at amortized cost</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5855" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13191">40,687</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5856" decimals="-6" 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format="ixt:num-dot-decimal" scale="6" id="f-13277">63,440</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5914" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13278">92,554</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5915" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13279">57,639</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5916" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13280">61,204</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-52" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13281">303,208</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5917" 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scale="6" id="f-13289">711,093</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5856" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13290">246,898</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt 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format="ixt:num-dot-decimal" scale="6" id="f-13292">161,784</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2462" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13293">88,527</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:CertainFinancialAssetsLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-13302">24,589</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Includes promissory notes, certificates of deposit and other short-term debt issues.</span></div></ix:continuation></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">305</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-288"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:nonNumeric contextRef="c-1" name="san:ScheduleOfUndiscountedContractualMaturitiesOfFinancialLiabilitiesAtAmortizedCostByMaturityTableTextBlock" id="f-13303" escape="true"><ix:continuation id="f-12846-4" continuedAt="f-12846-5"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of the remaining contractual maturities of the existing financial liabilities at amortised cost at 31 December 2025, 2024 and 2023 is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"><tr><td style="width:1.0%"/><td style="width:27.961%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.034%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.034%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.034%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.034%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.034%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.034%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.035%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">On demand</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;12 months</span></td><td 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span 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style="width:9.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.273%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">On demand</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;12 months</span></td><td colspan="3" style="border-top:0.5pt solid 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style="width:9.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.273%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span 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format="ixt:num-dot-decimal" scale="6" id="f-13448">86,432</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2465" decimals="-6" name="san:UndiscountedFinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-13449">76,528</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid 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style="display:inline-block;vertical-align:top;width:48.043%"></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">306</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-289"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:nonNumeric contextRef="c-1" name="san:ScheduleOfMaturitiesOfFinancialAssetsLiabilitiesAndMemorandumItemsRecognisedAtOtherThanAmortisedCostTableTextBlock" id="f-13451" continuedAt="f-13451-1" escape="true"><ix:continuation id="f-12846-5" continuedAt="f-12846-6"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Below is a breakdown of contractual maturities for the rest of financial assets and liabilities as of 31 December 2025, 2024 and 2023:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"/><td style="width:33.721%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.763%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.764%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt 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id="f-13594">46</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="f-13595">50</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL FINANCIAL ASSETS</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5720" decimals="-6" name="san:TotalFinancialAssetsRemaining" format="ixt:num-dot-decimal" scale="6" id="f-13596">88,478</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3426" decimals="-6" name="san:TotalFinancialAssetsRemaining" format="ixt:num-dot-decimal" scale="6" id="f-13597">40,402</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2457" decimals="-6" name="san:TotalFinancialAssetsRemaining" format="ixt:num-dot-decimal" scale="6" id="f-13598">38,233</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2460" decimals="-6" name="san:TotalFinancialAssetsRemaining" format="ixt:num-dot-decimal" scale="6" id="f-13599">24,211</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2463" decimals="-6" name="san:TotalFinancialAssetsRemaining" format="ixt:num-dot-decimal" scale="6" id="f-13600">83,063</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:TotalFinancialAssetsRemaining" format="ixt:num-dot-decimal" scale="6" id="f-13601">274,387</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div></ix:continuation></ix:nonNumeric><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">307</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-290"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-13451-1" continuedAt="f-13451-2"><ix:continuation id="f-12846-6" continuedAt="f-12846-7"><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"/><td style="width:34.614%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.614%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.614%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.614%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.614%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.614%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.616%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">FINANCIAL LIABILITIES</span></td><td 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name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-13602">131,052</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3426" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-13603">5,783</ix:nonFraction></span><span style="color:#000000;font-family:'Santander 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id="f-13701">15,444</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2463" decimals="-6" name="san:TotalFinancialLiabilitiesRemaining" format="ixt:num-dot-decimal" scale="6" id="f-13702">19,086</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">See breakdown by type of debt (subordinated debt, senior unsecured debt, senior secured debt, promissory notes and other securities) (see note 22).</span></div><div style="margin-bottom:9pt;margin-top:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"/><td style="width:34.614%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.614%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.614%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.614%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.614%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.614%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.616%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5953" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13716">102,278</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5954" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13717">21,002</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td 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id="f-13719">3,643</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5957" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13720">9,375</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-83" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13721">148,118</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">MEMORANDUM ITEMS</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5958" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13722">256,966</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5959" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13723">58,431</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5960" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13724">59,015</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5961" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13725">62,358</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5962" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13726">50,031</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5963" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13727">486,801</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In the Group&#8217;s experience, no outflows of cash or other financial assets take place prior to the contractual maturity date that might affect the information broken down above.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">308</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-291"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-13451-2" continuedAt="f-13451-3"><ix:continuation id="f-12846-7" continuedAt="f-12846-8"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"/><td style="width:34.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.601%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">FINANCIAL ASSETS</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-13871">5,672</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span 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solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2464" decimals="-6" name="san:TotalFinancialAssetsRemaining" format="ixt:num-dot-decimal" scale="6" id="f-13882">62,504</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:TotalFinancialAssetsRemaining" format="ixt:num-dot-decimal" scale="6" id="f-13883">251,459</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">309</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-292"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-13451-3" continuedAt="f-13451-4"><ix:continuation id="f-12846-8" continuedAt="f-12846-9"><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"/><td style="width:34.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.601%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">FINANCIAL LIABILITIES</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3581" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-13885">16,537</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-13905">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5824" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:fixed-zero" scale="6" id="f-13906">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">See breakdown by type of debt (subordinated debt, senior unsecured debt, senior secured debt, promissory notes and other securities) (see note 22).</span></div><div style="text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:9pt;margin-top:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"><tr><td style="width:1.0%"/><td style="width:34.518%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.630%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.630%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.630%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.630%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.630%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.632%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13980">133,084</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5985" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13981">35,747</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5986" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13982">57,157</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5987" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13983">57,285</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5988" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13984">19,588</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-78" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13985">302,861</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial guarantees granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5989" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13986">5,103</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5990" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13987">6,803</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5991" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13988">3,691</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5992" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-13989">796</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5993" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-13990">508</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-81" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13991">16,901</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other commitments granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5994" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13992">92,172</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5995" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13993">20,681</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5996" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13994">13,197</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5997" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13995">5,032</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5998" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13996">3,411</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-84" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13997">134,493</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">MEMORANDUM ITEMS</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-5999" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13998">230,359</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6000" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-13999">63,231</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6001" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14000">74,045</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6002" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14001">63,113</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6003" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14002">23,507</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6004" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14003">454,255</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">310</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-293"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-13451-4" continuedAt="f-13451-5"><ix:continuation id="f-12846-9" continuedAt="f-12846-10"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"/><td style="width:34.614%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.614%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.614%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.614%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.614%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.614%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.616%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">FINANCIAL ASSETS</span></td><td 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name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-14004">36,120</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3715" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-14005">49,668</ix:nonFraction></span><span style="color:#000000;font-family:'Santander 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name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-14008">42,619</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-14009">176,921</ix:nonFraction></span><span style="color:#000000;font-family:'Santander 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name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-14012">17,775</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6008" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-14013">9,532</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span 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name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-14119">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6012" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:fixed-zero" scale="6" id="f-14120">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2459" decimals="-6" name="san:TotalFinancialAssetsRemaining" format="ixt:num-dot-decimal" scale="6" id="f-14138">34,893</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2462" decimals="-6" name="san:TotalFinancialAssetsRemaining" format="ixt:num-dot-decimal" scale="6" id="f-14139">19,877</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2465" decimals="-6" name="san:TotalFinancialAssetsRemaining" format="ixt:num-dot-decimal" scale="6" id="f-14140">54,220</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:TotalFinancialAssetsRemaining" format="ixt:num-dot-decimal" scale="6" id="f-14141">198,874</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div></ix:continuation></ix:continuation><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">311</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-294"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-13451-5"><ix:continuation id="f-12846-10" continuedAt="f-12846-11"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"/><td style="width:34.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.601%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">FINANCIAL LIABILITIES</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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format="ixt:num-dot-decimal" scale="6" id="f-14143">12,127</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2459" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-14144">19,180</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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unitRef="eur" contextRef="c-2465" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-14146">7,115</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-14147">122,270</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6015" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-14148">8,147</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-14150">17,990</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6018" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-14151">10,060</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span 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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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2459" decimals="-6" name="san:TotalFinancialLiabilitiesRemaining" format="ixt:num-dot-decimal" scale="6" id="f-14234">25,656</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2462" decimals="-6" name="san:TotalFinancialLiabilitiesRemaining" format="ixt:num-dot-decimal" scale="6" id="f-14235">12,823</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2465" decimals="-6" name="san:TotalFinancialLiabilitiesRemaining" format="ixt:num-dot-decimal" scale="6" id="f-14236">12,128</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid 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Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">See breakdown by type of debt (subordinated debt, senior unsecured debt, senior secured debt, promissory notes and other securities) (see note 22).</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"/><td style="width:34.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.601%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span 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style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6028" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14241">47,204</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6029" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14242">20,300</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-79" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14243">279,589</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial guarantees granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6030" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14244">7,870</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6031" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14245">4,734</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6032" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14246">1,654</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6033" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-14247">686</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6034" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-14248">491</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-82" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14249">15,435</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other commitments granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6035" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14250">81,146</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6036" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14251">17,448</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6037" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14252">9,699</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6038" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14253">3,386</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6039" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14254">1,594</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-85" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14255">113,273</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">MEMORANDUM ITEMS</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6040" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14256">214,099</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6041" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14257">53,840</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6042" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14258">66,697</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6043" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14259">51,276</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6044" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14260">22,385</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6045" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" format="ixt:num-dot-decimal" scale="6" id="f-14261">408,297</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div style="margin-bottom:6pt;padding-left:3.54pt;padding-right:3.54pt;text-align:center;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:3.54pt;padding-right:3.54pt;text-align:center;text-indent:-7.09pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">312</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-295"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-12846-11" continuedAt="f-12846-12"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i0f44b478a3a643188092d7aae3197740"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Equivalent euro value of assets and liabilities</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfEquivalentEuroValueOfAssetsAndLiabilitiesTableTextBlock" id="f-14262" escape="true"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of the main foreign currency balances in the consolidated balance sheet, based on the nature of the related items, is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:37.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.833%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Equivalent&#160;value&#160;in EUR million</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="2" style="padding:0 1pt"/><td colspan="6" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-14280">12,699</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6046" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-14281">45,564</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6047" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-14285">777,226</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6048" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-14286">773,504</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Investments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6046" decimals="-6" name="ifrs-full:InvestmentAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-14287">1,859</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid 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id="f-14288">2,103</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6048" decimals="-6" name="ifrs-full:InvestmentAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-14289">1,689</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander 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style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6046" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-14293">10,296</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td 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style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6048" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-14295">12,772</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6046" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-14296">854,517</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6047" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-14297">938,844</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6048" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-14298">937,917</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Liabilities under insurance contracts</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" 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style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6047" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-14304">25,891</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6047" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-14305">22,385</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6048" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-14306">26,236</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6048" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-14307">25,740</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6046" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-14308">1,143,907</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6046" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-14309">1,027,860</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid 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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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6047" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-14311">1,051,550</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6048" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-14312">1,120,947</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6048" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-14313">1,037,267</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Includes the import of the Polish business held for sale.</span></div></ix:nonNumeric></ix:continuation><div style="margin-bottom:6pt;padding-right:263.62pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">313</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-296"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-12846-12" continuedAt="f-12846-13"><div style="margin-bottom:6pt;margin-top:9pt;padding-right:263.62pt"><span id="i4b2ec453a7394e068d3a03550f2fecd2"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Fair value of financial assets and liabilities not measured at fair value</span></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The fair value at year-end of the financial instruments (certain portfolios of loans and advances and debt securities, on the asset side, and deposits and debt securities, on the liability side) registered in the consolidated balance sheet at amortized cost is presented below:</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfFinancialAssetsMeasuredAtOtherThanFairValueTableTextBlock" id="f-14314" escape="true"><div style="margin-bottom:3pt;margin-top:9pt;padding-right:263.62pt"><span id="i49dadf88c4804c179c0246c901004c40"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i) Financial assets measured at other than fair value</span></div><div style="margin-bottom:9pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:5.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.862%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.418%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.392%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.835%"/><td style="width:0.1%"/></tr><tr><td colspan="54" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 1.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;3</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:6.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.677%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.677%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.689%"/><td style="width:0.1%"/></tr><tr><td colspan="54" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.75pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Liabilities</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.22pt;font-weight:700;line-height:105%;position:relative;top:-2.27pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;2</span></td><td colspan="3" style="border-top:0.5pt 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style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> The main valuation methods and inputs used in the estimates at 31 December 2025 of the fair values of the financial assets and liabilities in the foregoing table were as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Financial assets at amortised cost: the fair value was estimated using the present value method. 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It had been used also current rates offered for deposits of similar remaining maturities.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ii) Marketable debt securities and subordinated liabilities: the fair value was calculated based on market prices for these instruments&#160;-when available- or by the present value method using market interest rates and spreads, as well as using any significant input which is not observable with market data if applicable.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">iii) The fair value of cash, cash balances at central banks and other deposits on demand was taken to be their carrying amount since they are mainly short-term balances.</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1123"></div><div style="margin-bottom:6pt;padding-left:9.07pt;text-indent:-9.07pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">314</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-297"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-12846-14"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span id="i64a6dfdfac4a49b4b0d087943e8ae11a"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Offsetting of financial instruments</span></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfOffsettingOfFinancialAssetsAndFinancialLiabilitiesExplanatory" id="f-14409" continuedAt="f-14409-1" escape="true"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is the detail of financial assets and liabilities that were offset in the consolidated balance sheets as of 31 December 2025, 2024 and 2023:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:23.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:25.134%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:25.136%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial assets</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial assets offset in the balance sheet</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net amount of financial assets presented in the balance sheet</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14410">117,733</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-5" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14411">55,447</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-5" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-14412">62,286</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6124" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14413">217,509</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6124" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14414">76,535</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6124" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-14415">140,974</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14416">335,242</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14417">131,982</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-14418">203,260</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:24.517%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.828%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial assets</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount of financial assets offset in the balance sheet</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net amount of financial assets presented in the balance sheet</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14419">152,331</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14420">82,559</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-14421">69,772</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6125" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14422">189,034</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6125" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14423">67,488</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6125" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-14424">121,546</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14425">341,365</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14426">150,047</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-14427">191,318</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:24.517%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.828%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial assets</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial assets offset in the balance sheet</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net amount of financial assets presented in the balance sheet</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14428">149,508</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14429">87,883</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-14430">61,625</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6126" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14431">179,580</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6126" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14432">79,500</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6126" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-14433">100,080</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14434">329,088</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14435">167,383</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-14436">161,705</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt;margin-top:3pt"><span><br/></span></div><ix:continuation id="f-14409-1"><div style="margin-top:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:24.517%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.828%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial liabilities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial liabilities offset in the balance sheet</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net amount of financial liabilities presented in the balance sheet</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-32" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14437">111,664</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-32" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14438">55,447</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-32" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-14439">56,217</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6127" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14440">246,961</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6127" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14441">76,535</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6127" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-14442">170,426</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14443">358,625</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14444">131,982</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-14445">226,643</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:24.517%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.828%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial liabilities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial liabilities offset in the balance sheet</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net amount of financial liabilities presented in the balance sheet</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-33" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14446">145,064</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-33" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14447">82,559</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-33" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-14448">62,505</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6128" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14449">223,141</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6128" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14450">67,488</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6128" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-14451">155,653</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14452">368,205</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14453">150,047</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-14454">218,158</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:24.517%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.828%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial liabilities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial liabilities offset in the balance sheet</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net amount of financial liabilities presented in the balance sheet</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-34" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14455">146,128</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-34" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14456">87,883</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-34" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-14457">58,245</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6129" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14458">212,840</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6129" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14459">79,500</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6129" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-14460">133,340</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14461">358,968</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14462">167,383</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-14463">191,585</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025, Grupo Santander has offset other items amounting to EUR <ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:GrossFinancialInstrumentsSetOffAgainstFinancialInstrumentsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsOther" scale="6" id="f-14464">632</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:GrossFinancialInstrumentsSetOffAgainstFinancialInstrumentsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsOther" scale="6" id="f-14465">811</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:GrossFinancialInstrumentsSetOffAgainstFinancialInstrumentsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsOther" scale="6" id="f-14466">910</ix:nonFraction> million at 31 December 2024 and 2023, respectively).</span></div><div><span><br/></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:130%">At 31 December 2025 the balance sheet shows the amounts EUR&#160;<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14467">192,621</ix:nonFraction> million (EUR&#160;<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14468">176,198</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14469">151,044</ix:nonFraction> million at 31 December 2024 and 2023) on derivatives and repos as assets and EUR <ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14470">220,296</ix:nonFraction> million (EUR&#160;<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14471">209,121</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-14472">180,539</ix:nonFraction> million at 31 December 2024 and 2023, respectively) on derivatives and repos as liabilities that are subject to netting and collateral arrangements.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">315</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1126"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-298"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:24pt"><span id="ie474550f92384daab81f466b7b1ea1cf"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">52. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory" id="f-14473" continuedAt="f-14473-1" escape="true">Primary and secondary segments reporting</ix:nonNumeric></span></div><ix:continuation id="f-14473-1" continuedAt="f-14473-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander bases segment reporting on financial information presented to the chief operating decision maker, which excludes certain statutory results items that distort year-on-year comparisons and are not considered for management reporting. 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, impairment of goodwill, etc.). These gains and losses are items that management and investors ordinarily identify and consider separately to better understand the underlying trends in the business.</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:130%">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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander 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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The segments are split by global business and by country in which profits are earned. Santander prepares the information by aggregating the figures for Grupo Santander&#8217;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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 10 February 2026, the Group announced the implementation of a series of changes to its reporting structure. These changes are intended to improve the transparency and comparability of the metrics and financial statements, as well as to align the reporting with the way the bank has been managed since the beginning of 2026.</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:130%">These changes, which affect the statutory and underlying income statements, the segment reporting and certain management metrics, have been applied to the periods presented herein and will apply to the information reported from the first quarter of 2026. These changes do not affect the Group&#8217;s consolidated balance sheet. </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:130%">The main changes are as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In the underlying income statement, the results associated with the business subject to the Poland disposal are recorded in a single line item under 'non-recurring items'. Consequently, the global businesses, which, in accordance with IFRS 8, are reported only on an underlying basis, also exclude Poland.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Certain charges that, until 31 December 2025, were recorded under the 'other provisions' line item are now presented in different lines of the income statement. In particular, charges mainly relating to bank levies and other taxes applicable to the banking sector, are reclassified to 'other operating costs' to ensure uniformity across the Group. In addition, certain recurring operating charges, primarily related to labour (mainly in Brazil) and legal processes, are presented in 'total costs' (comprising </span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-14473-2" continuedAt="f-14473-3"><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">'administrative expenses and amortizations' and 'other operating costs').  </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Given that our payments platform strategy is now largely established, we are positioning Payments, renamed Payment Solutions, as the Group&#8217;s payments platform business. In this context, from 1 January 2026, the income statement and balance sheet items relating to the Cards business have been reclassified to Retail (previously recorded in Payments), to better align reporting with the management structure in these businesses in 2026.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In addition to the change in the Payments business described above, two minor adjustments have been introduced to the primary segments: i) the Digital Consumer Bank (Consumer) business has been renamed Openbank; and ii) Wealth Management &amp; Insurance has been reorganized into two business lines. These changes do not impact figures at the Group or primary segment levels.</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:130%">The Group has recast the corresponding information of earlier periods to reflect these changes in the structure of its internal organization.</span></div></ix:continuation><div style="margin-bottom:9pt"><span><br/></span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1129"></div><ix:continuation id="f-14473-3" continuedAt="f-14473-4"><div style="margin-bottom:6pt;margin-top:12pt"><span id="i4202235fb51e42a48cd3b55866820599"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Primary segments</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:130%">This primary level of segmentation, which is based on the Group&#8217;s management structure, comprises <ix:nonFraction unitRef="segment" contextRef="c-1" decimals="INF" name="san:ReportableSegmentsNumber" format="ixt-sec:numwordsen" scale="0" id="f-14474">six</ix:nonFraction> reportable segments: <ix:nonFraction unitRef="operatingareas" contextRef="c-1" decimals="INF" name="san:NumberOfOperatingAreas" format="ixt-sec:numwordsen" scale="0" id="f-14475">five</ix:nonFraction> global businesses plus the Corporate Centre. The operating areas are:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Retail &amp; Commercial Banking (Retail): area that integrates the retail banking and commercial banking business (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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Openbank, formerly Digital Consumer Bank (Consumer): comprises all business originated by consumer finance companies, plus our digital bank (formerly Openbank), Open Digital Services (ODS) and SBNA Consumer. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Corporate &amp; Investment Banking (CIB): this business, which includes Global Transactional Banking, Global Banking (Global Debt Financing and Corporate Finance) and Global Markets, offers products and services on a global scale to corporate and institutional customers, and collaborates with other global businesses to better serve our broad customer base.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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 brings 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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Payment Solutions (Payments): brings together the Group&#8217;s digital payment solutions, providing global technological solutions to Group entities and new customers in the open market. It comprises Getnet, Getnet Platforms and Ebury.</span></div></ix:continuation></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">316</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-299"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-14473-4" continuedAt="f-14473-5"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As Grupo Santander&#8217;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 Grupo Santander&#8217;s central services (charged to the areas), except for corporate and institutional expenses related to the Grupo Santander&#8217;s functioning.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">There are no customers located in any of the areas that generate income exceeding 10% of Total income.</span></div></div></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfOperatingSegmentsExplanatory" id="f-14476" continuedAt="f-14476-1" escape="true"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The main masses of the balance sheets of the different segments, summarized, are indicated below:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.800%"><tr><td style="width:1.0%"/><td style="width:23.710%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.456%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.943%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.154%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.397%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.372%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.431%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.737%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail &amp; Commercial Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate &amp; Investment Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wealth Management &amp; Insurance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payment Solutions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate Centre</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6132" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-14479">204,210</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6133" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-14480">26,516</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6134" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-14481">977</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6135" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-14482">7,465</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Mutual funds</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6247" decimals="-6" name="san:MemorandumItems" format="ixt:num-dot-decimal" scale="6" id="f-14596">87,698</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6248" decimals="-6" name="san:MemorandumItems" format="ixt:num-dot-decimal" scale="6" id="f-14597">6,662</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6249" decimals="-6" name="san:MemorandumItems" format="ixt:num-dot-decimal" scale="6" id="f-14598">14,565</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6250" decimals="-6" name="san:MemorandumItems" format="ixt:num-dot-decimal" scale="6" id="f-14599">94,693</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6251" decimals="-6" name="san:MemorandumItems" format="ixt:fixed-zero" scale="6" id="f-14600">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6252" decimals="-6" name="san:MemorandumItems" format="ixt:fixed-zero" scale="6" id="f-14601">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6253" decimals="-6" name="san:MemorandumItems" format="ixt:num-dot-decimal" scale="6" id="f-14602">203,618</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Excluding reverse repos.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt">Excluding repos.</span></div></ix:nonNumeric></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">317</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-300"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-14476-1" continuedAt="f-14476-2"><ix:continuation id="f-14473-5" continuedAt="f-14473-6"><div style="margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%">The condensed income statements for the primary segments are as follows:</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:29.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.532%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail &amp; Commercial Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate &amp; Investment Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wealth Management &amp; Insurance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payment Solutions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate Centre</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6254" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-14603">26,528</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6255" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-14604">11,036</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6256" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-14605">3,824</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6257" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-14606">1,335</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6258" decimals="-6" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-14607">167</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" sign="-" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-14608">490</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-14609">42,401</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6254" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-14610">6,222</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6255" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-14611">1,479</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6256" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-14612">2,552</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6257" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-14613">1,642</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6258" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-14614">1,059</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" sign="-" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-14615">27</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-14616">12,928</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6254" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-14617">680</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6255" decimals="-6" sign="-" name="ifrs-full:OtherGainsLosses" scale="6" id="f-14618">11</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6256" decimals="-6" name="ifrs-full:OtherGainsLosses" format="ixt:num-dot-decimal" scale="6" id="f-14619">1,281</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6257" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-14620">512</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6258" decimals="-6" sign="-" name="ifrs-full:OtherGainsLosses" scale="6" id="f-14621">24</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" sign="-" name="ifrs-full:OtherGainsLosses" scale="6" id="f-14622">82</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="ifrs-full:OtherGainsLosses" format="ixt:num-dot-decimal" scale="6" id="f-14623">2,354</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6254" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-14624">983</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6255" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-14625">511</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6256" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-14626">359</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6257" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-14627">552</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6258" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-14628">171</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-14629">14</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-14630">625</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6254" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-14631">32,447</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6255" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-14632">13,015</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6256" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-14633">8,016</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6257" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-14634">4,042</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6258" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-14635">1,373</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" sign="-" name="ifrs-full:GrossProfit" scale="6" id="f-14636">585</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-14637">58,308</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6254" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14638">13,913</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6255" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14639">5,680</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6256" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14640">3,752</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6257" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14641">1,444</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6258" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14642">1,203</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" name="san:TotalCostSegmentReporting" scale="6" id="f-14643">417</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14644">26,410</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6254" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14645">18,534</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6255" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14646">7,335</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6256" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14647">4,264</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6257" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14648">2,598</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6258" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" scale="6" id="f-14649">170</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" sign="-" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14650">1,003</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14651">31,898</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6254" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-14652">7,150</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6255" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-14653">4,457</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6256" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-14654">278</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6257" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-14655">20</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6258" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-14656">24</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-14657">198</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-14658">12,128</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6255" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-14667">2,566</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6256" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-14668">3,949</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6257" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-14669">2,564</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6258" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-14670">134</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-14671">1,275</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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scale="6" id="f-14684">115</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" sign="-" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-14685">1,085</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-14703">127</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6257" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-14704">50</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-14707">845</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Underlying profit attributable to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6254" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-14708">7,710</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6255" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-14709">1,741</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6256" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-14710">2,708</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6257" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-14711">1,983</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6258" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-14712">96</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-14713">1,085</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-14714">13,152</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR <ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="san:ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks" scale="6" id="f-14715">50</ix:nonFraction>&#160;million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except an addition EUR <ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="san:ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks" scale="6" id="f-14716">50</ix:nonFraction>&#160;million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognised in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div></ix:continuation></ix:continuation><div style="text-indent:10.91pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">318</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-301"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-14476-2" continuedAt="f-14476-3"><ix:continuation id="f-14473-6" continuedAt="f-14473-7"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:29.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.532%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail &amp; Commercial Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate &amp; Investment Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wealth Management &amp; Insurance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payment Solutions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate Centre</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6261" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-14717">27,854</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6262" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-14718">10,777</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6263" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-14719">3,779</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6264" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-14720">1,591</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6265" decimals="-6" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-14721">132</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6266" decimals="-6" sign="-" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-14722">308</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-14723">43,824</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6261" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-14724">6,022</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6262" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-14725">1,508</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6263" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-14726">2,415</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6264" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-14727">1,442</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6265" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-14728">958</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6266" decimals="-6" sign="-" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-14729">11</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-14730">12,335</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6261" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-14731">805</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6262" decimals="-6" sign="-" name="ifrs-full:OtherGainsLosses" scale="6" id="f-14732">4</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6263" decimals="-6" name="ifrs-full:OtherGainsLosses" format="ixt:num-dot-decimal" scale="6" id="f-14733">1,568</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6264" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-14734">256</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6265" decimals="-6" name="ifrs-full:OtherGainsLosses" format="ixt:fixed-zero" scale="6" id="f-14735">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6266" decimals="-6" sign="-" name="ifrs-full:OtherGainsLosses" scale="6" id="f-14736">408</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="ifrs-full:OtherGainsLosses" format="ixt:num-dot-decimal" scale="6" id="f-14737">2,216</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6261" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14738">1,617</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6262" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-14739">596</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-14744">391</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6261" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-14745">33,064</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6262" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-14746">12,877</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6263" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-14747">7,897</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6264" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-14748">3,587</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6265" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-14749">1,240</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6266" decimals="-6" sign="-" name="ifrs-full:GrossProfit" scale="6" id="f-14750">680</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-14751">57,984</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6261" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14752">14,704</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6262" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14753">5,576</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6263" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14754">3,922</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6264" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14755">1,403</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6265" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14756">1,209</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6266" decimals="-6" name="san:TotalCostSegmentReporting" scale="6" id="f-14757">540</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14758">27,354</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6261" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14759">18,359</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6262" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14760">7,302</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6263" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14761">3,975</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6264" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14762">2,183</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6265" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" scale="6" id="f-14763">31</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6266" decimals="-6" sign="-" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14764">1,220</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14765">30,630</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6261" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-14766">7,064</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6262" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-14767">4,562</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6263" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-14768">141</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6264" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-14769">42</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6265" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-14770">16</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6266" decimals="-6" sign="-" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-14771">3</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-14772">11,822</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander 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style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6266" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-14827">1,154</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-14828">11,774</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. 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Additionally, includes an addition of EUR <ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="san:ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks" scale="6" id="f-14829">47</ix:nonFraction>&#160;million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except an addition of EUR <ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="san:ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks" scale="6" id="f-14830">47</ix:nonFraction>&#160;million  mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognised in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">319</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-302"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-14476-3" continuedAt="f-14476-4"><ix:continuation id="f-14473-7" continuedAt="f-14473-8"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:29.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.532%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail &amp; Commercial Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate &amp; Investment Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wealth Management &amp; Insurance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payment Solutions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate Centre</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6268" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-14831">25,586</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6269" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-14832">10,221</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6270" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-14833">3,361</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6271" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-14834">1,499</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6272" decimals="-6" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-14835">92</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6273" decimals="-6" sign="-" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-14836">41</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-14837">40,718</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6268" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-14838">6,077</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6269" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-14839">1,229</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6270" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-14840">2,013</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6271" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-14841">1,209</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6272" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-14842">954</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6273" decimals="-6" sign="-" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-14843">13</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-14844">11,468</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6268" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-14845">837</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt 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style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6271" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-14848">178</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6272" decimals="-6" sign="-" name="ifrs-full:OtherGainsLosses" scale="6" id="f-14849">10</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6273" decimals="-6" sign="-" name="ifrs-full:OtherGainsLosses" scale="6" id="f-14850">302</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="ifrs-full:OtherGainsLosses" format="ixt:num-dot-decimal" scale="6" id="f-14851">2,566</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6268" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14852">1,707</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6269" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-14853">709</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6270" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-14854">22</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6271" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-14855">197</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6272" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-14856">97</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6273" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-14857">86</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-14858">812</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6268" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-14859">30,792</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6269" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-14860">12,274</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6270" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-14861">7,100</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6271" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-14862">3,082</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6272" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-14863">1,134</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6273" decimals="-6" sign="-" name="ifrs-full:GrossProfit" scale="6" id="f-14864">442</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-14865">53,940</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6268" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14866">14,757</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6269" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14867">5,526</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6270" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14868">3,381</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6271" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14869">1,266</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6272" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14870">1,111</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6273" decimals="-6" name="san:TotalCostSegmentReporting" scale="6" id="f-14871">460</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14872">26,501</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6268" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14873">16,036</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6269" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14874">6,748</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6270" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14875">3,719</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6271" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14876">1,816</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6272" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" scale="6" id="f-14877">23</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6273" decimals="-6" sign="-" name="san:NetOperatingIncomeExpenseSegmentReporting" scale="6" id="f-14878">901</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-14879">27,439</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6268" decimals="-6" 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes a release of EUR <ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" sign="-" name="san:ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks" scale="6" id="f-14943">38</ix:nonFraction>&#160;million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except a release of EUR <ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" sign="-" name="san:ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks" scale="6" id="f-14944">38</ix:nonFraction>&#160;million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognised in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">320</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-303"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-14473-8" continuedAt="f-14473-9"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i1cee3d5ad3ab4eb6bbc46ae24837b6d9"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Secondary segments</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This secondary level includes our main geographical units and the Corporate Centre, as described in the primary segments.</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:130%">Detailed financial information is provided on Spain, the UK, Portugal, Openbank Europe (previously referred to as DCB Europe), which includes all consumer business, our digital bank in Europe and ODS, the US, Mexico, Brazil, Chile and Argentina.</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:130%">Information is also provided for the 'Rest of the Group', the grouping which brings together everything that is not included in the aforementioned geographical units or the Corporate Centre.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">There are no customers located in a place different from the location of the Group's assets that generate revenues in excess of 10% of ordinary revenues.</span></div><ix:continuation id="f-14476-4" continuedAt="f-14476-5"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The main masses of the balance sheets of the different secondary segments, summarized, are indicated below: </span></div></ix:continuation><div style="margin-bottom:9pt"><span><br/></span></div></div></div><ix:continuation id="f-14476-5" continuedAt="f-14476-6"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:27.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.757%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Spain</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United Kingdom</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portugal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank Europe</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United States</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander 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contextRef="c-6301" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-14971">40,576</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6302" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-14972">82,359</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6332" decimals="-6" name="san:MemorandumItems" format="ixt:num-dot-decimal" scale="6" id="f-15012">13,963</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6333" decimals="-6" name="san:MemorandumItems" format="ixt:num-dot-decimal" scale="6" id="f-15013">5,934</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6168" decimals="-6" name="san:MemorandumItems" format="ixt:fixed-zero" scale="6" id="f-15014">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6334" decimals="-6" name="san:MemorandumItems" format="ixt:num-dot-decimal" scale="6" id="f-15015">19,225</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6169" decimals="-6" name="san:MemorandumItems" format="ixt:num-dot-decimal" scale="6" id="f-15016">255,389</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div style="text-indent:6.66pt"><span><br/></span></div><div><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">321</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-304"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-14476-6" continuedAt="f-14476-7"><ix:continuation id="f-14473-9" continuedAt="f-14473-10"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:26.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.900%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Spain</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6348" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-15030">236,496</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6349" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-15031">39,143</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6355" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-15037">43,186</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6356" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-15038">85,876</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6357" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-15039">108,246</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6358" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-15040">61,160</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid 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id="f-15047">93,609</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6366" decimals="-6" name="san:MemorandumItems" format="ixt:num-dot-decimal" scale="6" id="f-15048">7,643</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6367" decimals="-6" name="san:MemorandumItems" format="ixt:num-dot-decimal" scale="6" id="f-15049">4,882</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt 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contextRef="c-6431" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-15125">96,399</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6432" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-15126">42,616</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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format="ixt:num-dot-decimal" scale="6" id="f-15138">43,823</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6441" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-15139">3,878</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6231" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-15140">6,608</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6442" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-15141">25,164</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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unitRef="eur" contextRef="c-6443" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-15143">145,044</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6444" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-15144">40,098</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-15149">90,297</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6448" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-15150">29,337</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6449" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-15151">6,478</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6245" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-15152">1,508</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6450" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-15153">16,034</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6246" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-15154">923,884</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 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:105%">Mutual funds</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6451" decimals="-6" name="san:MemorandumItems" format="ixt:num-dot-decimal" scale="6" id="f-15155">54,747</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6452" decimals="-6" name="san:MemorandumItems" format="ixt:num-dot-decimal" scale="6" id="f-15156">10,761</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6453" decimals="-6" name="san:MemorandumItems" format="ixt:num-dot-decimal" scale="6" id="f-15157">3,810</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6252" decimals="-6" name="san:MemorandumItems" format="ixt:fixed-zero" scale="6" id="f-15158">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6454" decimals="-6" name="san:MemorandumItems" format="ixt:num-dot-decimal" scale="6" id="f-15159">11,636</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6253" decimals="-6" name="san:MemorandumItems" format="ixt:num-dot-decimal" scale="6" id="f-15160">203,618</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Excluding reverse repos.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt">Excluding repos.</span></div></ix:continuation></ix:continuation><div style="text-indent:6.66pt"><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">322</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-305"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-14476-7" continuedAt="f-14476-8"><ix:continuation id="f-14473-10" continuedAt="f-14473-11"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The condensed income statements are as follow</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"><tr><td style="width:1.0%"/><td style="width:27.364%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.822%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.822%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.822%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.822%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.822%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.826%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Spain</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United Kingdom</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portugal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Openbank Europe</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United States</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mexico</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6455" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15161">7,305</ix:nonFraction></span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6456" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15162">5,008</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6457" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15163">1,346</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6458" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15164">4,685</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6459" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15165">5,888</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6460" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15166">4,554</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6455" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-15167">3,022</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6456" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15168">369</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6457" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15169">506</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6458" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15170">804</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6459" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-15171">1,328</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6460" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-15172">1,454</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6455" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15173">841</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6456" decimals="-6" sign="-" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15174">100</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6457" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15175">70</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6458" decimals="-6" sign="-" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15176">39</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6459" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15177">547</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6455" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15179">720</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6456" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15180">245</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6457" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15181">33</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6458" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15182">474</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6459" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15183">165</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6460" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15184">130</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6455" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15185">11,887</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6456" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15186">5,032</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6457" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15187">1,956</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6458" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15188">5,925</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6459" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15189">7,929</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6460" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15190">6,305</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6455" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15191">4,465</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6456" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15192">2,937</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6457" decimals="-6" name="san:TotalCostSegmentReporting" scale="6" id="f-15193">544</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6458" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15194">2,899</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6459" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15195">3,890</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6460" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15196">2,730</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6455" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15197">7,423</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6456" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15198">2,095</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6457" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15199">1,412</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6458" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15200">3,026</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6459" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15201">4,039</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6460" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15202">3,575</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6455" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-15203">1,142</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6456" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15204">177</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6457" decimals="-6" sign="-" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15205">8</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6458" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-15206">1,363</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6459" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-15207">2,244</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6460" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-15208">1,239</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6455" decimals="-6" sign="-" name="san:OtherNonFinancialGainsLosses" scale="6" id="f-15209">198</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-15254">772</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6459" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-15255">1,541</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td 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style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:26.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.049%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="padding:2px 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" sign="-" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15266">27</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6464" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15267">908</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid 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Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6461" decimals="-6" sign="-" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15269">64</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6462" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15270">230</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6463" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15271">229</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" sign="-" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15272">82</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6464" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15273">296</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="ifrs-full:OtherGainsLosses" format="ixt:num-dot-decimal" scale="6" id="f-15274">2,354</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6461" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15275">93</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6462" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15276">15</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6463" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15277">510</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15278">14</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6464" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15279">25</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15280">625</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6461" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15281">12,602</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6462" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15282">2,714</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6463" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15283">2,235</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" sign="-" name="ifrs-full:GrossProfit" scale="6" id="f-15284">585</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6464" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15285">2,309</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15286">58,308</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6462" decimals="-6" name="san:TotalCostSegmentReporting" scale="6" id="f-15288">919</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6463" decimals="-6" name="san:TotalCostSegmentReporting" scale="6" id="f-15289">978</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" name="san:TotalCostSegmentReporting" scale="6" id="f-15290">417</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6464" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15291">1,676</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15292">26,410</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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id="f-15294">1,795</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6463" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15295">1,257</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" sign="-" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15296">1,003</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6464" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15297">634</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15298">31,898</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6461" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-15299">4,409</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6462" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15300">531</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6463" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15301">574</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15302">198</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6464" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15303">260</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-15332">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6464" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-15333">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6463" decimals="-6" name="ifrs-full:ProfitLoss" scale="6" id="f-15337">434</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" sign="-" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-15338">1,085</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6464" decimals="-6" name="ifrs-full:ProfitLoss" scale="6" id="f-15339">300</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-15340">13,997</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt 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id="f-15344">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6464" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-15345">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-15346">845</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6461" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-15347">2,168</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6462" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-15348">729</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6463" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-15349">433</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6259" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-15350">1,085</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6464" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-15351">300</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-15352">13,152</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">323</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-306"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-14476-8" continuedAt="f-14476-9"><ix:continuation id="f-14473-11" continuedAt="f-14473-12"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR <ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="san:ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks" scale="6" id="f-15353">50</ix:nonFraction> million mainly corresponding to the results by commitments and contingent risks included in the line provisions or reversal of provisions, net of the statutory income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except an addition of EUR <ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="san:ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks" scale="6" id="f-15354">50</ix:nonFraction> million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div><div style="text-indent:10.91pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:26.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.900%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Spain</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United Kingdom</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portugal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Openbank Europe</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United States</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mexico</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6466" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15356">4,950</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6467" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15357">1,548</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6468" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15358">4,361</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6469" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15359">5,693</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6470" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15360">4,631</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6465" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-15361">2,867</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6466" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15362">283</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6467" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15363">467</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6468" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15364">902</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6469" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-15365">1,152</ix:nonFraction>&#160;</span></td><td 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name="ifrs-full:OtherGainsLosses" scale="6" id="f-15372">396</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6465" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15373">358</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6466" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15374">203</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6467" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15375">5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6468" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15376">405</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6469" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15377">365</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6470" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15378">133</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6466" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15380">5,011</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6467" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15381">2,065</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6468" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15382">5,644</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6469" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15383">7,580</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6470" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15384">6,278</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6465" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15385">4,509</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6466" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15386">3,050</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6467" decimals="-6" name="san:TotalCostSegmentReporting" scale="6" id="f-15387">574</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6468" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15388">2,848</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6469" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15389">3,965</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6470" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15390">2,727</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6465" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15391">7,071</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6466" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15392">1,962</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6467" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15393">1,492</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6468" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15394">2,796</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6469" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15395">3,615</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6470" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15396">3,551</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6465" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-15397">1,259</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6466" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15398">64</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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id="f-15448">642</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6469" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-15449">1,109</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:26.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.049%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="padding:2px 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6474" decimals="-6" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-15455">832</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15456">43,824</ix:nonFraction></span><span style="color:#000000;font-family:'Santander 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6266" decimals="-6" sign="-" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15460">11</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6474" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15461">722</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid 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Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6471" decimals="-6" sign="-" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15463">37</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6472" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15464">238</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6473" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15465">229</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6266" decimals="-6" sign="-" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15466">408</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6474" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15467">326</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="ifrs-full:OtherGainsLosses" format="ixt:num-dot-decimal" scale="6" id="f-15468">2,216</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6471" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15469">39</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6472" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15470">18</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6473" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15471">1,263</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6266" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15472">47</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6474" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15473">9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15474">391</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6472" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15476">2,592</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6473" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15477">2,487</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6266" decimals="-6" sign="-" name="ifrs-full:GrossProfit" scale="6" id="f-15478">680</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6474" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15479">1,889</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15480">57,984</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6472" decimals="-6" name="san:TotalCostSegmentReporting" scale="6" id="f-15482">942</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6473" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15483">1,337</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6266" decimals="-6" name="san:TotalCostSegmentReporting" scale="6" id="f-15484">540</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6474" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15485">1,643</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6471" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15487">8,318</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6472" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15488">1,650</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6473" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15489">1,150</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6266" decimals="-6" sign="-" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15490">1,220</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6474" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15491">246</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15492">30,630</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6471" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-15493">4,487</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6472" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15494">497</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6473" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15495">284</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6266" decimals="-6" sign="-" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15496">3</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6474" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15497">230</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6266" decimals="-6" sign="-" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-15520">1,155</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6474" decimals="-6" sign="-" name="ifrs-full:ProfitLossFromContinuingOperations" scale="6" id="f-15521">285</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-15522">12,524</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6472" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-15524">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6473" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-15525">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6266" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-15526">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6474" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-15527">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-15528">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit/(loss)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6471" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-15529">2,665</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6472" decimals="-6" name="ifrs-full:ProfitLoss" scale="6" id="f-15530">899</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6473" decimals="-6" name="ifrs-full:ProfitLoss" scale="6" id="f-15531">666</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6266" decimals="-6" sign="-" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-15532">1,155</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6474" decimals="-6" sign="-" name="ifrs-full:ProfitLoss" scale="6" id="f-15533">285</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-15534">12,524</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6471" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-15535">243</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6472" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-15536">271</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6473" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-15537">1</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6266" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-15538">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6474" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-15539">5</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-15540">750</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6471" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-15541">2,422</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6472" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-15542">629</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6473" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-15543">665</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6266" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-15544">1,154</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6474" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-15545">280</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-15546">11,774</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">324</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-307"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-14476-9" continuedAt="f-14476-10"><ix:continuation id="f-14473-12" continuedAt="f-14473-13"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR <ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="san:ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks" scale="6" id="f-15547">47</ix:nonFraction>&#160;million mainly corresponding to the results by commitments and contingent risks included in the line provisions or reversal of provisions, net of the statutory income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except an addition of EUR <ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="san:ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks" scale="6" id="f-15548">47</ix:nonFraction>&#160;million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"/><td style="width:26.686%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.939%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Spain</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United Kingdom</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portugal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Openbank Europe</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United States</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mexico</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6476" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15550">5,152</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6477" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15551">1,465</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6478" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15552">4,193</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6479" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15553">5,742</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6480" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15554">4,408</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6475" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-15555">2,699</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6476" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15556">338</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6477" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15557">464</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6478" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15558">796</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6479" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15559">766</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid 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Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6475" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15561">688</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6476" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15562">29</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6477" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15563">33</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6478" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15564">117</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6479" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15565">294</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6480" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15566">211</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6475" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15567">190</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6476" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15568">162</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6477" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15569">17</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6478" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15570">375</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6479" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15571">406</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6480" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15572">94</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6475" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15573">9,837</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6476" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15574">5,358</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6477" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15575">1,944</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6478" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15576">5,481</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6479" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15577">7,209</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6480" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15578">5,899</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6475" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15579">4,815</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6476" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15580">2,928</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6477" decimals="-6" name="san:TotalCostSegmentReporting" scale="6" id="f-15581">567</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6478" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15582">2,751</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6479" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15583">3,707</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6475" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15585">5,022</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6476" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15586">2,430</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6477" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15587">1,378</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6478" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15588">2,730</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6479" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15589">3,502</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6480" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15590">3,254</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" 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id="f-15623">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6478" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-15624">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6479" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-15625">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6480" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-15626">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit/(loss)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6475" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-15627">2,371</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6476" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-15628">1,545</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6477" decimals="-6" name="ifrs-full:ProfitLoss" scale="6" id="f-15629">898</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6478" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-15630">1,526</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6479" decimals="-6" name="ifrs-full:ProfitLoss" scale="6" id="f-15631">932</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6480" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-15632">1,577</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6475" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" format="ixt:fixed-zero" scale="6" id="f-15633">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6476" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" format="ixt:fixed-zero" scale="6" id="f-15634">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6477" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-15635">2</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6478" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-15636">327</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6479" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" format="ixt:fixed-zero" scale="6" id="f-15637">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6480" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-15638">17</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6475" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-15639">2,371</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6476" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-15640">1,545</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6477" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-15641">896</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6478" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-15642">1,199</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6479" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-15643">932</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6480" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-15644">1,560</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">325</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-308"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-14476-10"><ix:continuation id="f-14473-13" continuedAt="f-14473-14"><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:26.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.049%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Brazil</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Chile</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Argentina</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporate Centre</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Rest of the Group</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6481" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15645">9,116</ix:nonFraction></span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6482" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15646">1,383</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6483" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15647">1,879</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6273" decimals="-6" sign="-" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-15648">41</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6484" decimals="-6" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-15649">780</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid 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style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6481" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-15651">3,462</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6482" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15652">572</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6483" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15653">396</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6273" decimals="-6" sign="-" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15654">13</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6484" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15655">615</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-15656">11,468</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6481" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15657">483</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6482" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15658">320</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6483" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15659">341</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6273" decimals="-6" sign="-" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15660">302</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6484" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15661">353</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="ifrs-full:OtherGainsLosses" format="ixt:num-dot-decimal" scale="6" id="f-15662">2,566</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span 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name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15664">11</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6483" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15665">1,071</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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format="ixt:num-dot-decimal" scale="6" id="f-15669">13,104</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6482" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15670">2,285</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6483" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15671">1,544</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6273" decimals="-6" sign="-" name="ifrs-full:GrossProfit" scale="6" id="f-15672">442</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6484" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15673">1,721</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15674">53,940</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6481" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15675">5,430</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6482" decimals="-6" name="san:TotalCostSegmentReporting" scale="6" id="f-15676">953</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6483" decimals="-6" name="san:TotalCostSegmentReporting" scale="6" id="f-15677">831</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6273" decimals="-6" name="san:TotalCostSegmentReporting" scale="6" id="f-15678">460</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6484" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15679">1,415</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="san:TotalCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15680">26,501</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6481" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15681">7,674</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6482" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15682">1,332</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6483" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15683">713</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6273" decimals="-6" sign="-" name="san:NetOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15684">901</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6484" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15685">306</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15686">27,439</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6481" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-15687">4,701</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6482" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15688">365</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6483" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15689">150</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6273" decimals="-6" sign="-" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15690">2</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6484" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15691">203</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-15692">11,784</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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id="f-15719">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6273" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-15720">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6484" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-15721">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:fixed-zero" scale="6" id="f-15722">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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id="f-15732">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6484" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-15733">7</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-15734">791</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6481" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-15735">1,921</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6482" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-15736">582</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6483" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-15737">386</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6273" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-15738">998</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6484" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-15739">9</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-15740">10,402</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes a release of EUR <ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" sign="-" name="san:ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks" scale="6" id="f-15741">38</ix:nonFraction>&#160;million mainly corresponding to the results by commitments and contingent risks included in the line provisions or reversal of provisions, net of the statutory income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except a release of EUR <ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" sign="-" name="san:ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks" scale="6" id="f-15742">38</ix:nonFraction>&#160;million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">326</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1132"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-309"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-14473-14" continuedAt="f-14473-15"><div style="margin-bottom:6pt;padding-right:263.62pt"><span id="ic408f97c36dd4ce4b465f8447579cbef"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Reconciliations of reportable segment results</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfReconciliationOfUnderlyingResultsToStatutoryResultsTableTextBlock" id="f-15743" continuedAt="f-15743-1" escape="true"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The tables below reconcile the statutory basis results to the underlying results for each of the periods presented as required by IFRS 8. For the purposes of these reconciliations, all material reconciling items are separately identified and described.</span></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander assets and liabilities for management reporting purposes do not differ from the statutory reported figures and therefore are not reconciled.</span></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:53.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.161%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Reconciliation of statutory results to underlying results </span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Statutory results</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Adjustments related to the Poland disposal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other adjustments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Underlying results</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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name="ifrs-full:InterestRevenueExpense" format="ixt:fixed-zero" scale="6" id="f-15746">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15747">42,401</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-15748">12,976</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6485" decimals="-6" sign="-" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15749">48</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6486" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:fixed-zero" scale="6" id="f-15750">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-15751">12,928</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherGainsLosses" format="ixt:num-dot-decimal" scale="6" id="f-15752">2,362</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6485" decimals="-6" sign="-" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15753">8</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6486" decimals="-6" name="ifrs-full:OtherGainsLosses" format="ixt:fixed-zero" scale="6" id="f-15754">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="ifrs-full:OtherGainsLosses" format="ixt:num-dot-decimal" scale="6" id="f-15755">2,354</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15756">625</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6485" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" format="ixt:fixed-zero" scale="6" id="f-15757">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6486" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" format="ixt:fixed-zero" scale="6" id="f-15758">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15759">625</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15760">58,311</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6485" decimals="-6" sign="-" name="ifrs-full:GrossProfit" scale="6" id="f-15761">3</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6486" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:fixed-zero" scale="6" id="f-15762">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15763">58,308</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Administrative expenses, depreciation and amortisation</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:AdministrativeExpensesDepreciationAndAmortisation" format="ixt:num-dot-decimal" scale="6" id="f-15764">24,779</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6485" decimals="-6" sign="-" name="san:AdministrativeExpensesDepreciationAndAmortisation" scale="6" id="f-15765">22</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6486" decimals="-6" name="san:AdministrativeExpensesDepreciationAndAmortisation" format="ixt:fixed-zero" scale="6" id="f-15766">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="san:AdministrativeExpensesDepreciationAndAmortisation" format="ixt:num-dot-decimal" scale="6" id="f-15767">24,757</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other operating costs<br/></span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:OtherOperatingCostSegmentReporting" scale="6" id="f-15768">0</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6485" decimals="-6" name="san:OtherOperatingCostSegmentReporting" scale="6" id="f-15769">0</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6486" decimals="-6" name="san:OtherOperatingCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15770">1,653</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="san:OtherOperatingCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15771">1,653</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15772">33,532</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6485" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15773">19</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6486" decimals="-6" sign="-" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15774">1,653</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15775">31,898</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-15776">12,596</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6485" decimals="-6" sign="-" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15777">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6486" decimals="-6" sign="-" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15778">467</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-15779">12,128</ix:nonFraction>)</span></td><td style="border-top:0.5pt 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6486" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-15786">236</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" format="ixt:num-dot-decimal" scale="6" id="f-15804">1,399</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6485" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-15805">580</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6486" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-15806">26</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-15807">845</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-15808">14,101</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6485" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-15809">949</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6486" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:fixed-zero" scale="6" id="f-15810">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-15811">13,152</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR <ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="san:ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks" scale="6" id="f-15812">50</ix:nonFraction>&#160;million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.</span></div><div style="margin-bottom:15pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except for an addition of EUR <ix:nonFraction unitRef="eur" contextRef="c-6260" decimals="-6" name="san:ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks" scale="6" id="f-15813">50</ix:nonFraction> million mainly corresponding to results from commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div></ix:nonNumeric></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">327</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-310"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-14473-15" continuedAt="f-14473-16"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">To better understand the business trends, we reclassified certain items under some headings of the underlying income statement. These reclassifications between the statutory and underlying income statements include:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In the statutory income statement, results associated with the business subject to the Poland disposal are reported in the 'profit/(loss) after tax from discontinued operations' line item. However, in the underlying income statement, the results related to the business subject to the Poland disposal are excluded.&#160;&#160;&#160;&#160;</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Certain charges recorded in the statutory account under the line items that comprise 'other gains (losses) and provisions' are presented in the underlying income statement under the 'total costs' line item. These are mainly recurring operating charges, primarily related to labour and legal processes, and exclude EUR <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ExpenseOfRestructuringActivities" scale="6" id="f-15814">620</ix:nonFraction>&#160;million of restructuring charges and EUR <ix:nonFraction unitRef="eur" contextRef="c-2697" decimals="-6" name="ifrs-full:IncreaseDecreaseInExistingProvisionsOtherProvisions" scale="6" id="f-15815">214</ix:nonFraction>&#160;million of provisions for potential complaints related to motor finance dealer commissions.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">A capital gain in Q2 2025 of EUR <ix:nonFraction unitRef="eur" contextRef="c-323" decimals="-6" name="san:GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" scale="6" id="f-15816">231</ix:nonFraction>&#160;million from the sale of Santander&#8217;s remaining <ix:nonFraction unitRef="number" contextRef="c-322" decimals="3" name="san:ProportionOfOwnershipInterestInAssociateSold" scale="-2" id="f-15817">30.5</ix:nonFraction>% stake in CACEIS was completely offset by a charge of EUR <ix:nonFraction unitRef="eur" contextRef="c-6487" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15818">467</ix:nonFraction>&#160;million in Q2 2025 (EUR <ix:nonFraction unitRef="eur" contextRef="c-6488" decimals="-6" name="san:LoanLossProvisionsNetOfTaxesAndMinorityInterest" scale="6" id="f-15819">231</ix:nonFraction>&#160;million net of tax and minority interests), which strengthens the balance sheet after having updated macroeconomic parameters in Brazil&#8217;s credit provisioning models in 'Other gains (losses) and provisions'.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">328</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-311"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-14473-16" continuedAt="f-14473-17"><ix:continuation id="f-15743-1" continuedAt="f-15743-2"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:53.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.161%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Reconciliation of statutory results to underlying results</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Statutory results</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Adjustments related to the Poland disposal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other adjustments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Underlying results</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15820">43,787</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6489" decimals="-6" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-15821">37</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="c-6490" xsi:nil="true" name="ifrs-full:InterestRevenueExpense" id="f-15822"></ix:nonFraction></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15823">43,824</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-15824">12,376</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6489" decimals="-6" sign="-" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15825">41</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="c-6490" xsi:nil="true" name="ifrs-full:FeeAndCommissionIncomeExpense" id="f-15826"></ix:nonFraction></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-15827">12,335</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:OtherGainsLosses" format="ixt:num-dot-decimal" scale="6" id="f-15828">2,211</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6489" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15829">5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15832">331</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6489" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15833">60</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="c-6490" xsi:nil="true" name="san:OtherOperatingIncomeExpenseSegmentReporting" id="f-15834"></ix:nonFraction></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6267" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15835">391</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" 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colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6489" decimals="-6" name="san:OtherOperatingCostSegmentReporting" format="ixt:fixed-zero" scale="6" id="f-15845">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6490" decimals="-6" sign="-" name="san:OtherOperatingCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15846">2,219</ix:nonFraction>)</span></td><td style="border-top:0.5pt 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These are mainly recurring operating charges, primarily related to labour and legal processes, and exclude EUR <ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:ExpenseOfRestructuringActivities" scale="6" id="f-15890">835</ix:nonFraction>&#160;million of restructuring charges, EUR <ix:nonFraction unitRef="eur" contextRef="c-6491" decimals="-6" name="ifrs-full:IncreaseDecreaseInExistingProvisionsOtherProvisions" scale="6" id="f-15891">353</ix:nonFraction>&#160;million of provisions for potential complaints related to motor finance dealer commissions and EUR <ix:nonFraction unitRef="eur" contextRef="c-6492" decimals="-6" sign="-" name="ifrs-full:GainLossRecognisedOnMeasurementToFairValueLessCostsToSellOrOnDisposalOfAssetsOrDisposalGroupsConstitutingDiscontinuedOperation" scale="6" id="f-15892">243</ix:nonFraction>&#160;million from charges related to the discontinuation of our merchant platform in Germany and Superdigital in Latin America. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The recognition of provisions to strengthen the balance sheet in Brazil, amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-6493" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15893">352</ix:nonFraction>&#160;million gross in Q2 2024 (EUR <ix:nonFraction unitRef="eur" contextRef="c-6494" decimals="-6" name="san:LoanLossProvisionsNetOfTaxesAndMinorityInterest" scale="6" id="f-15894">174</ix:nonFraction>&#160;million net of tax and non-controlling interests) were compensated with gains on Pluxee in Brazil in 'Other gains (losses) and provisions'.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">329</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-312"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-14473-17"><ix:continuation id="f-15743-2"><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:53.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.161%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Reconciliation of statutory results to underlying results</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Statutory results</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Adjustments related to the Poland disposal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other adjustments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Underlying results</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15895">40,650</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6495" decimals="-6" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-15896">68</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6496" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:fixed-zero" scale="6" id="f-15897">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-15898">40,718</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-15899">11,495</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6495" decimals="-6" sign="-" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-15900">27</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6496" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:fixed-zero" scale="6" id="f-15901">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-15902">11,468</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:OtherGainsLosses" format="ixt:num-dot-decimal" scale="6" id="f-15903">2,565</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6495" decimals="-6" name="ifrs-full:OtherGainsLosses" scale="6" id="f-15904">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6496" decimals="-6" name="ifrs-full:OtherGainsLosses" format="ixt:fixed-zero" scale="6" id="f-15905">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="ifrs-full:OtherGainsLosses" format="ixt:num-dot-decimal" scale="6" id="f-15906">2,566</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15907">759</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6495" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15908">53</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6496" decimals="-6" name="san:OtherOperatingIncomeExpenseSegmentReporting" format="ixt:fixed-zero" scale="6" id="f-15909">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" sign="-" name="san:OtherOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15910">812</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15911">53,951</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6495" decimals="-6" sign="-" name="ifrs-full:GrossProfit" scale="6" id="f-15912">11</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6496" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:fixed-zero" scale="6" id="f-15913">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="ifrs-full:GrossProfit" format="ixt:num-dot-decimal" scale="6" id="f-15914">53,940</ix:nonFraction></span><span style="color:#000000;font-family:'Santander 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0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6495" decimals="-6" sign="-" name="san:AdministrativeExpensesDepreciationAndAmortisation" scale="6" id="f-15916">69</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6496" decimals="-6" name="san:AdministrativeExpensesDepreciationAndAmortisation" format="ixt:fixed-zero" scale="6" id="f-15917">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="san:AdministrativeExpensesDepreciationAndAmortisation" format="ixt:num-dot-decimal" scale="6" id="f-15918">24,615</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other operating costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:OtherOperatingCostSegmentReporting" scale="6" id="f-15919">0</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6495" decimals="-6" name="san:OtherOperatingCostSegmentReporting" format="ixt:fixed-zero" scale="6" id="f-15920">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6496" decimals="-6" name="san:OtherOperatingCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15921">1,886</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6274" decimals="-6" name="san:OtherOperatingCostSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15922">1,886</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" format="ixt:num-dot-decimal" scale="6" id="f-15923">29,267</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6495" decimals="-6" name="san:NetOperatingIncomeExpenseSegmentReporting" scale="6" id="f-15924">58</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-15927">12,260</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6495" decimals="-6" sign="-" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15928">2</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-15935">15,005</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6495" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-15936">61</ix:nonFraction></span><span style="color:#000000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. 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These reclassifications between the statutory and underlying income statements include: </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In the statutory income statement, results associated with the business subject to the Poland disposal are reported in the 'profit/(loss) after tax from discontinued operations' line item. However, in the underlying income statement, the results related to the business subject to the Poland disposal are excluded.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"> Certain charges recorded in the statutory account under the line items that comprise 'other gains (losses) and provisions' are presented in the underlying income statement under the 'total costs' line item. These are mainly recurring operating charges, primarily related to labour and legal processes, and exclude EUR <ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:ExpenseOfRestructuringActivities" scale="6" id="f-15965">385</ix:nonFraction>&#160;million of restructuring charges. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Provisions to strengthen the balance sheet in Brazil in Q1 2023, totalling EUR <ix:nonFraction unitRef="eur" contextRef="c-6497" decimals="-6" name="san:LoanLossProvisionsNetOfTaxesAndMinorityInterest" scale="6" id="f-15966">235</ix:nonFraction>&#160;million, net of tax and non-controlling interests (EUR <ix:nonFraction unitRef="eur" contextRef="c-6498" decimals="-6" sign="-" name="san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" scale="6" id="f-15967">474</ix:nonFraction>&#160;million recorded in net loan-loss provisions, EUR <ix:nonFraction unitRef="eur" contextRef="c-6498" decimals="-6" sign="-" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-15968">213</ix:nonFraction>&#160;million positive tax impact and EUR <ix:nonFraction unitRef="eur" contextRef="c-6498" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-15969">26</ix:nonFraction>&#160;million in non-controlling interests), were more than offset by gains of EUR <ix:nonFraction unitRef="eur" contextRef="c-6499" decimals="-6" name="ifrs-full:GainsOnDisposalsOfInvestments" scale="6" id="f-15970">270</ix:nonFraction>&#160;million resulting primarily from the divestments of stakes in Brazil and Openbank in 'Other gains (losses) and provisions'.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">330</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1135"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-313"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:6pt;padding-right:263.62pt"><span id="i8f18db7699424826b394f3c6c9559648"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">53. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfRelatedPartyExplanatory" id="f-15971" continuedAt="f-15971-1" escape="true">Related parties</ix:nonNumeric></span></div><ix:continuation id="f-15971-1" continuedAt="f-15971-2"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The parties related to the Group are deemed to include, in addition to its associates and joint ventures, the Bank's key management personnel (the members of its board of directors and the senior management, together with their close family members) and the entities over which the key management personnel may exercise significant influence or control. </span></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfTransactionsBetweenRelatedPartiesExplanatory" id="f-15972" continuedAt="f-15972-1" escape="true"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following below is the balance sheet balances and amounts of the Group's income statement corresponding to operations with the parties related to it, distinguishing between associates and joint ventures, members of the Bank's board of directors, the Bank's senior management, and other related parties. 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id="f-15973">10,491</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-620" decimals="-6" name="san:AssetsRelatedPartyTransactions" format="ixt:fixed-zero" scale="6" id="f-15974">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 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#ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-620" decimals="-6" name="san:DerivativeFinancialInstrumentsRelatedPartyTransactions" format="ixt:fixed-zero" scale="6" id="f-16054">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">331</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-314"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-15972-1" continuedAt="f-15972-2"><ix:continuation id="f-15971-2" continuedAt="f-15971-3"><div 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name="san:FinanceIncomeRelatedPartyTransactions" scale="6" id="f-16108">9</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest expense</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6578" decimals="-6" name="san:FinanceCostRelatedPartyTransactions" scale="6" id="f-16109">153</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6540" decimals="-6" name="san:OtherRelatedPartyTransactions" format="ixt:num-dot-decimal" scale="6" id="f-16125">4,712</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-621" decimals="-6" name="san:OtherRelatedPartyTransactions" scale="6" id="f-16126">4</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-855" decimals="-6" name="san:OtherRelatedPartyTransactions" scale="6" id="f-16127">3</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6541" decimals="-6" name="san:OtherRelatedPartyTransactions" scale="6" id="f-16128">216</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial guarantees granted and Others</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6540" decimals="-6" name="san:ContingentLiabilitiesAndOthersRelatedPartyTransactions" scale="6" id="f-16129">18</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-621" decimals="-6" name="san:ContingentLiabilitiesAndOthersRelatedPartyTransactions" scale="6" id="f-16130">3</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-855" decimals="-6" name="san:ContingentLiabilitiesAndOthersRelatedPartyTransactions" scale="6" id="f-16131">2</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6541" decimals="-6" name="san:ContingentLiabilitiesAndOthersRelatedPartyTransactions" scale="6" id="f-16132">64</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loan commitments and Other commitments granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6540" decimals="-6" name="ifrs-full:OutstandingCommitmentsMadeByEntityRelatedPartyTransactions" scale="6" id="f-16133">317</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-621" decimals="-6" name="ifrs-full:OutstandingCommitmentsMadeByEntityRelatedPartyTransactions" scale="6" id="f-16134">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-855" decimals="-6" name="ifrs-full:OutstandingCommitmentsMadeByEntityRelatedPartyTransactions" scale="6" id="f-16135">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6541" decimals="-6" name="ifrs-full:OutstandingCommitmentsMadeByEntityRelatedPartyTransactions" scale="6" id="f-16136">20</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivative financial instruments</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6540" decimals="-6" name="san:DerivativeFinancialInstrumentsRelatedPartyTransactions" format="ixt:num-dot-decimal" scale="6" id="f-16137">4,377</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-621" decimals="-6" name="san:DerivativeFinancialInstrumentsRelatedPartyTransactions" format="ixt:fixed-zero" scale="6" id="f-16138">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-855" decimals="-6" name="san:DerivativeFinancialInstrumentsRelatedPartyTransactions" format="ixt:fixed-zero" scale="6" id="f-16139">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6541" decimals="-6" name="san:DerivativeFinancialInstrumentsRelatedPartyTransactions" scale="6" id="f-16140">132</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">332</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-315"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-15971-3"><ix:continuation id="f-15972-2"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:33.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.198%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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format="ixt:fixed-zero" scale="6" id="f-16203">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6623" decimals="-6" name="san:CommissionIncomeRelatedPartyTransactions" scale="6" id="f-16204">3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Commission expense</span></td><td colspan="2" 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0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6622" decimals="-6" name="san:CommissionExpenseRelatedPartyTransactions" format="ixt:fixed-zero" scale="6" id="f-16207">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6623" decimals="-6" name="san:CommissionExpenseRelatedPartyTransactions" format="ixt:fixed-zero" scale="6" id="f-16208">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6580" decimals="-6" name="san:OtherRelatedPartyTransactions" format="ixt:num-dot-decimal" scale="6" id="f-16209">4,189</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6581" decimals="-6" name="san:OtherRelatedPartyTransactions" scale="6" id="f-16210">3</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6582" decimals="-6" name="san:OtherRelatedPartyTransactions" scale="6" id="f-16211">2</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6583" decimals="-6" name="san:OtherRelatedPartyTransactions" format="ixt:num-dot-decimal" scale="6" id="f-16212">1,094</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial guarantees granted and Others</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6580" decimals="-6" name="san:ContingentLiabilitiesAndOthersRelatedPartyTransactions" scale="6" id="f-16213">10</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6581" decimals="-6" name="san:ContingentLiabilitiesAndOthersRelatedPartyTransactions" scale="6" id="f-16214">2</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6582" decimals="-6" name="san:ContingentLiabilitiesAndOthersRelatedPartyTransactions" scale="6" id="f-16215">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6583" decimals="-6" name="san:ContingentLiabilitiesAndOthersRelatedPartyTransactions" scale="6" id="f-16216">861</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loan commitments and Other commitments granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6580" decimals="-6" name="ifrs-full:OutstandingCommitmentsMadeByEntityRelatedPartyTransactions" scale="6" id="f-16217">274</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6581" decimals="-6" name="ifrs-full:OutstandingCommitmentsMadeByEntityRelatedPartyTransactions" scale="6" id="f-16218">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6582" decimals="-6" name="ifrs-full:OutstandingCommitmentsMadeByEntityRelatedPartyTransactions" scale="6" id="f-16219">1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6583" decimals="-6" name="ifrs-full:OutstandingCommitmentsMadeByEntityRelatedPartyTransactions" scale="6" id="f-16220">9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivative financial instruments</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6580" decimals="-6" name="san:DerivativeFinancialInstrumentsRelatedPartyTransactions" format="ixt:num-dot-decimal" scale="6" id="f-16221">3,905</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6581" decimals="-6" name="san:DerivativeFinancialInstrumentsRelatedPartyTransactions" format="ixt:fixed-zero" scale="6" id="f-16222">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6582" decimals="-6" name="san:DerivativeFinancialInstrumentsRelatedPartyTransactions" format="ixt:fixed-zero" scale="6" id="f-16223">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6583" decimals="-6" name="san:DerivativeFinancialInstrumentsRelatedPartyTransactions" scale="6" id="f-16224">224</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The remaining required information is detailed in notes 5 and 46.c.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">333</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1138"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-316"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:24pt"><span id="i6200e3b17a844d39b2ac108cb84fa88c"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">54. <ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFinancialRiskManagementExplanatory" id="f-16225" continuedAt="f-16225-1" escape="true">Risk management</ix:nonNumeric></span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1141"></div><ix:continuation id="f-16225-1" continuedAt="f-16225-2"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i36396c5466634785a71f37cdc8e94645"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Risk principles and culture</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:130%">The principles on which Grupo Santander's risk management and control are based are detailed below. They take into account regulatory requirements, best market practices and are mandatory:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">1.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:4.44pt">All employees are responsible for risk management</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">. They must understand the risks arising from their activities and take ownership for managing them.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">2.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:4.44pt">Senior management involvement.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> Through conduct, actions and communications, senior management promotes consistent risk management, fosters our risk culture, and oversees that the risk profile remains within the appetite set.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">3.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:4.44pt">Independence:</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> Risk management and control functions operate independently according to our <ix:nonFraction unitRef="linesofdefense" contextRef="c-1" decimals="INF" name="san:RiskManagementAndControlModelNumberOfLinesOfDefense" format="ixt-sec:numwordsen" scale="0" id="f-16226">three</ix:nonFraction>-lines-of-defence model, with clearly defined roles and responsibilities.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">4.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:4.44pt">Holistic, forward-looking approach: </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">We take a comprehensive approach to risk management and control that extends to all businesses and risk types that could have a material impact. This approach is forward-looking and considers trends across several time horizons and scenarios.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">5.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:4.44pt">Corporate oversight of subsidiaries: </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Banco Santander sets minimum risk management and control standards through reference documents. Subsidiaries are responsible for translating these standards into their own internal policies and procedures.</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1144"></div><ix:continuation id="f-16225-2" continuedAt="f-16225-3"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i6aa0e996fc8a4c11b89643a359af06f1"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">1. Key risk types</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander's risks categorization allows effective risk management, control and reporting, and includes, among others the following risk types:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Credit risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> is the risk of loss arising from the failure of a customer or counterparty to meet its obligations to which the Santander Group has provided financing or entered into a contractual commitment, or from the deterioration of their credit quality.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Market risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> is the risk incurred as a result of the effect of changes in market factors interest rates, exchange rates, equities and commodities, among others, may have on profits or capital.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Liquidity risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> is the risk incurred because of adverse movements in the factors that determine the market value of financial instruments, such as interest rates, exchange rates, equity prices and commodities, among others.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Structural Risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> is the risk of changes in the value or margin generation of the assets or liabilities in the banking book resulting from changes in market and behavioural factors. It also includes risks associated with insurance and pension activities, as well as the risk of not having an adequate amount or quality of capital to meet internal business objectives, regulatory requirements, or market expectations.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Capital risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, included within the scope of structural risk, is the risk that arises from the possibility of having an inadequate quantity or quality of capital to meet internal business objectives, regulatory requirements or market expectations.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:continuation id="f-16225-3" continuedAt="f-16225-4"><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander also takes into account, on an ongoing basis in its risk management, operational (includes fraud, technological, cyber, legal and conduct risks), financial crime (includes, among others, money laundering, terrorism financing, violation of international sanctions, corruption, bribery and tax evasion), model, reputational and strategic risks.</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:130%">These risks may be affected by a range of factors that we identify and assess in line with regulatory requirements and industry practice, including: geopolitical developments (international conflicts, economic and monetary decisions, new regulations or trade tensions); digital and transformation initiatives linked to technological change or shifts in business models; and sustainability factors &#8212; environmental (natural and climate-related, including extreme events and resource scarcity, as well as those arising from the transition to a more sustainable economy), social (relating to people&#8217;s rights, welfare and interests) and governance, both within Grupo Santander and among our counterparties.</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:130%">In particular, from an environmental and climate perspective, the relevant elements cover, on the one hand, those stemming from the physical effects of climate change and, on the other, those linked to the transition towards a more sustainable economy, including legislative and regulatory, technological or behavioural changes among economic agents.</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:130%">Given the nature of its operations, the Group has no environment-related liabilities, expenses, assets or contingencies that may be material to its consolidated equity, financial situation and results.</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:130%">According to market consensus and our materiality assessment, exposure in the sectors where environmental factors may have the most impact mainly relate to wholesale customers. Our management of these customers considers environmental aspects in the preliminary assessment, credit origination and the preparation and review of their credit ratings, which influence the parameters we use to calculate their probability of default (PD). Thus, we embed the most material climate factors in our assessments and in capital loss and provisions calculations.</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:130%">Moreover, to cover and anticipate potential future losses from severe climate events, such as the Valencia DANA or Hurricane Milton in Florida, we have set overlays whose amount to date has not been material to the Group's total loan loss reserves.</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:130%">Grupo Santander has enhanced its methodological framework to quantify and assess transition and physical risks in credit losses for climate impacts that are not specifically captured through the forward-looking component implemented under the IFRS 9 framework. We assess these risks under several scenarios published by the NGFS, which explore varying assumptions on shifts in climate policies, emissions, temperatures and physical risk impacts. We take a proportionality approach by assessing the impact on the Group&#8217;s core markets and portfolios, especially non-financial entities and mortgage products.</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:130%">Regarding impact on companies&#8217; credit quality, the model assesses the transmission of customers&#8217; physical and transition climate risk through defined channels (sector GVA, GHG emissions, carbon price, regional GDP, or collateral valuations).</span></div></div></ix:continuation></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">334</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-317"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-16225-4" continuedAt="f-16225-5"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For mortgage products, climate risk appears mainly through a deterioration in collateral values, as reflected in the loan-to-value ratio, which is the main transmission channel into LGD.</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:130%">These methodologies enable us to embed potential climate-event impacts on credit losses in credit risk management. Against this backdrop, we carried out both internal capital self-assessment exercises and regulatory stress tests.</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:130%">In light of the above and based on the best information available at the date of these consolidated annual financial statements, we also assessed the potential additional impact of climate and environmental risks on the Group&#8217;s equity, financial situation and results in 2025. We did not identify any significant or material impacts.</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1147"></div><ix:continuation id="f-16225-5" continuedAt="f-16225-6"><div style="margin-bottom:3pt;margin-top:9pt"><span id="ifd90ac4ea8ad4ff198eaef3f702f39ad"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">2. Risk and compliance governance</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:130%">Grupo Santander robust risk and compliance governance structure allows us to conduct effective oversight in line with our risk appetite. It stands on three lines of defence, a structure of committees and strong Group-subsidiary relations, guided by our risk culture, Risk Pro.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i8e80995fea564f86ba6f14926c5b44d8"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">2.1 Lines of defence</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:130%">Grupo Santander model of <ix:nonFraction unitRef="linesofdefense" contextRef="c-1" decimals="INF" name="san:RiskManagementAndControlModelNumberOfLinesOfDefense" format="ixt-sec:numwordsen" scale="0" id="f-16227">three</ix:nonFraction> lines of defence effectively manages and controls risks:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">First line</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">: formed business functions, as well as all other functions that generate risk, constitute the first line of defence. They must establish an appropriate environment to manage all risks associated with the business and support compliance with internal policies and regulation. Risk management must operate within the approved risk appetite and associated limits. The first line executes mitigation plans for risks where weaknesses are identified in its control environment.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Second line: </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">formed by the risk and compliance functions, independently oversees and challenges the risk management activities that the first line carries out. Its role is to help verify that we manage risks in line with the established risk appetite and to promote a strong risk culture across the organization.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Third line:</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> formed by Internal Audit is a permanent function, independent of any other functions or units, whose objective is to provide the Management Body and the senior management with independent assurance on the quality and effectiveness of internal control, risk management (current or emerging) and governance processes and systems, thereby helping to protect the company&#8217;s value, solvency, and reputation. </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:130%">Risk, Compliance and Internal Audit are sufficiently separate and autonomous functions, with direct access to the board and its committees. The risk and compliance functions report to the risk supervision, regulation and compliance committee and the internal audit function reports to the audit committee.</span></div></ix:continuation><div style="margin-bottom:3pt;margin-top:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:continuation id="f-16225-6" continuedAt="f-16225-7"><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span id="i027908e8446c4136afd687a36b6895b2"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">2.2 Risk committee structure</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:130%">The</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"> board of directors </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">has final oversight of risk and compliance management and control to promote a sound risk culture and review and approve risk appetite and frameworks, with support from its risk, regulation and compliance committee (RSRCC) and its executive committee. The Group's risk governance keeps risk control and risk-taking areas separate.</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:130%">Our governance structure also includes key roles and executive committees that strengthen oversight and support the effective performance of the control function.</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:130%">The </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Group chief risk officer (CRO)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, who </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">leads the application and execution of </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">risk strategy and promotes proper risk culture, is in charge of overseeing all risks and challenging and advising business lines on risk management.</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:130%">The </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Group chief compliance officer (CCO)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">leads the application and execution of</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> the compliance and conduct risk strategy and reports the status of risks being monitored in order to provide the Chief Risk Officer with a comprehensive view of all risks. </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:130%">The CRO and the CCO report directly to both the risk supervision, regulation and compliance committee and the board of directors.</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:130%">The executive risk, risk control and compliance and conduct committees are executive committees with powers delegated from the board.</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:130%">Furthermore, the executive-level committees delegate part of their responsibilities to forums and/or standing meetings to manage and control each risk type.</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:130%">Their responsibilities include: </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Inform the CRO, the CCO, the risk control committee and the compliance and conduct committee if risks are being managed within risk appetite;</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Conduct regular follow-ups for each key risk type; and</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Overseeing the measures adopted to meet supervisor's and auditor's expectations.</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:130%">Besides, Grupo Santander, in order to establish an adequate control environment for the management of each risk types, the risk and compliance functions have effective internal regulation to create the right environment to manage and control all risks.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander may introduce additional governance measures for special situations to reinforce the monitoring of all risks, with particular focus on trends in key macroeconomic indicators and liquidity, the identification of vulnerable sectors/customers, and the strengthening of cybersecurity, among other aspects. Activating these special-situations forums helps the Group address the effects of the geopolitical and macroeconomic environment with resilience.</span></div></div></ix:continuation></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">335</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-318"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-16225-7" continuedAt="f-16225-8"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i1a9f6f6c616b4d0bb3c93691f8120cb3"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">2.3 The Group's relationship with subsidiaries</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:130%">Grupo Santander subsidiaries&#8217; risk and compliance management and control model is consistent with the frameworks approved by the Group board of directors. Subsidiaries adhere to the frameworks through their own boards and can only adapt to higher standards according to local law and regulation.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As part of Santander's aggregated risk oversight, we challenge and review subsidiaries&#8217; internal regulations and activities. This enables us to maintain a common risk management and control model across the Group.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The risk and compliance functions support the businesses and oversee risks at both global and local levels. In addition, over the year we continued to strengthen the Group&#8211;subsidiary relationship model, leveraging our global scale to identify synergies under a common operating model and shared platforms. The model promotes process simplification and the reinforcement of control mechanisms to support the growth of our businesses.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Santander's Group&#8211;subsidiary governance model (GSGM) sets out the principles that govern the relationship between Group key roles and the subsidiaries, which helps safeguard the independence of local second lines. The CRO and CCO take part in the appointment, objectives, performance reviews and remuneration of their local counterparts, which helps confirm that they are controlling risks appropriately.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">We continue to strengthen the relationship between the Group and its subsidiaries through close cooperation among our subsidiaries to develop common initiatives more efficiently, such as:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Transformation of organizational structures, sharing benchmarks across countries and contributing to the function&#8217;s strategic vision to promote the rollout of more advanced risk-management infrastructures and practices.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Exchange of best practices to strengthen processes and drive innovation. </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Promotion of internal talent and mobility, both geographic and functional, as well as fostering diversity within teams to reflect the diversity of the environments in which we operate.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Developing our risk professionals, improving innovation, the quality of decisions, and fostering a global mindset is key to enhance organizational resilience and reinforcing a global mindset.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The GSGM model also applies to the Group&#8217;s global businesses. This gives us a global-local organization in which countries ultimately remain responsible for delivering the budget, the business and customer strategy, and financial management, while the global businesses lead shared initiatives through common operating models and shared technologies, improving local performance.</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1150"></div><ix:continuation id="f-16225-8" continuedAt="f-16225-9"><div style="margin-bottom:3pt;margin-top:9pt"><span id="iac199c2b64994ce38dc612b3e57cfab5"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">3. Management processes and tools</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander has these effective risk management processes and tools:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="icd4c3d35dae349b688a271f8c8bd3668"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">3.1 Risk appetite and structure of limits</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Risk appetite is the aggregate level and types of risk that Grupo Santander deems prudent for our business strategy, even in unforeseen circumstances. Risk appetite is governed throughout the Group by the following principles:</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:continuation id="f-16225-9" continuedAt="f-16225-10"><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Risk appetite is part of the board's duties</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">. The board prepares the risk appetite statement (RAS) for the whole Group every year. Through a cascading-down process, each subsidiary's board also sets its own risk appetite.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Comprehensiveness and forward-looking approach</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">. Our appetite includes all material risks to which we are exposed and defines our target risk profile for the current and medium term, with a forward-looking view that considers stress scenarios. </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Common standards embedded in the day-to-day risk management</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">. The Group shares the same risk appetite model, which sets common requirements for processes, metrics, governance bodies, controls and standards. This facilitates effective and traceable embedding of risk appetite into more granular management policies and limits across our subsidiaries..</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Continuous monitoring and adaptation</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">. Risk appetite is regularly monitored, reviewed and updated to reflect changes in market conditions, regulatory requirements and supervisory expectations. Compliance with risk appetite limits is monitored on a regular basis through dedicated reporting to senior management and the board and its committees. Breaches or potential breaches are subject to predefined escalation, remediation and follow-up processes, with oversight proportionate to their materiality through senior management and the Group&#8217;s governing bodies.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Alignment with strategy and business plans</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">. Before approving the three-year strategic plans, annual budget, and capital and liquidity plans, the Group verifies their consistency with the limits set in the Risk Appetite Statement. We promote the alignment of strategic and business plans with our risk appetite by:</span></div><div style="margin-bottom:6pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">considering the risk appetite, long-term strategic view and the risk culture when drafting strategic and business plans. </span></div><div style="margin-bottom:6pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">challenging business and strategic plans against the risk appetite. Misalignments trigger a review of either the three-year strategic plan (to make sure we stay within RAS limits) or risk appetite limits, with independent governance. </span></div><div style="margin-bottom:6pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">continuous monitoring of risk appetite compliance through the three lines of defence model.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The main elements underpinning Grupo Santander&#8217;s risk appetite and defining our business model are:  </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">a medium-low, predictable target risk profile, customer focus, internationally diversified operations and a </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">significant</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> market share;</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">stable, recurrent earnings and shareholder remuneration, sustained by a sound base of capital, liquidity and sources of funding;</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">autonomous subsidiaries that are self-sufficient in terms of capital and liquidity to safeguard their risk profiles against compromising the Group&#8217;s profile;</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">an independent risk function and a senior management actively engaged in supporting a robust control environment and risk culture; and </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">a conduct model that protects our customers and our Simple, Personal and Fair culture. </span></div></div></ix:continuation></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">336</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-319"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-16225-10" continuedAt="f-16225-11"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The risk appetite is expressed through qualitative statements and limits on metrics representative of the bank&#8217;s risk profile at present and under stress. Those metrics cover all risk types according to our corporate risk framework. Grupo Santander articulates them in five axes that provide the Bank with a holistic view of all risks it incurs in the development of its business model. These five axes are applicable to all Santander's key risk types, and comprise:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">P&amp;L volatility: control of P&amp;L volatility of business plan under baseline and stressed conditions (under normal and stressed conditions).</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Solvency: control of capital ratios under baseline and stressed scenarios (aligned with ICAAP).</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Liquidity: control of liquidity ratios under base and stress scenarios (aligned with ILAAP).</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Concentration: control of credit concentration on top clients, portfolios and industries.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Non financial risk and control environment: robust control on non financial risks aimed to minimize events which could lead to financial loss, operative, technological, legal and regulatory breaches, conduct issues or reputational damage.</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1153"></div><ix:continuation id="f-16225-11" continuedAt="f-16225-12"><div style="margin-bottom:6pt;margin-top:9pt"><span id="id766f938a14f4270b9068f26db32501a"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Credit risk</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1156"></div><ix:continuation id="f-16225-12" continuedAt="f-16225-13"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4fdb90cfbf3f443c98ea211c1c932050"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">1. Introduction to the credit risk treatment</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander takes a holistic view of the credit risk cycle, including the transaction, the customer and the portfolio, in order to identify, analyse, control and decide on credit risk. </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Credit risk identification facilitates active and effective portfolio management and control. Grupo Santander identify and classify external and internal risk in each business to adopt any corrective or mitigating measures through:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="iaa71911e3bec4f028d6a22af53387191"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">1.1. Planning</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Planning allows to set business objectives and define concrete action plans, integrating the risk appetite statement into portfolio management.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Strategic commercial plans (SCPs) are the management and control tool that the Business and Risk areas define for credit portfolios, with support from the other functions involved (Finance, Management Control, among others). They set out the commercial strategy, risk policies, and the resources and infrastructure required, providing a holistic view of portfolio management. </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">They also provide an up-to-date view of portfolio credit quality, enable risk measurement, support the execution of internal controls over the defined strategy, allow for periodic monitoring, and help detect material deviations or potential impacts, facilitating the adoption of corrective measures when necessary. </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">SCPs are aligned with subsidiaries&#8217; risk appetite and capital objectives, as well as those of the Group, and are approved and overseen by local senior management before being reviewed and ratified at Group level. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="iffbad9af171b488abb49a4e3ba8500bd"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">1.2. Risk assessment and credit rating</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Credit risk approval criteria focus on borrowers&#8217; ability to meet their financial obligations. The assessment uses statistical models and an analysis of the net funds or cash flows generated by economic activity, or of regular income, to determine customers&#8217; repayment capacity in a consistent and sustainable manner.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:continuation id="f-16225-13" continuedAt="f-16225-14"><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Some statistical credit quality assessment models feed into decision engines to deliver a credit risk assessment quickly and in a consistent, standardised way. These engines support faster and more uniform decision-making, reduce manual errors, apply the same assessment criteria to all customers, and provide traceability and support regulatory compliance. These ratings have multiple uses in risk management, including the origination process (application of limits and pre-approvals), risk monitoring, and as an input to transaction pricing.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">These credit rating models may be: </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Rating: from mathematical algorithms that have a quantitative model based on balance sheet ratios or macroeconomic variables or behavioural information, and a qualitative module supplemented by the credit analyst&#8217;s expert judgement. It is used for large corporates, corporates, institutional and SME segments (with individualised treatment).</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Scoring: an automated system that assesses credit applications based on the information provided (admission scoring) or customers&#8217; credit profiles based on their relationship with the institution (behavioural scoring). Both are complemented by other available information (for example, from external databases). The system automatically assigns each customer an individual score, which then supports the subsequent decision. It is used for individuals and small businesses with no assigned analyst.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The Group&#8217;s parameter estimation models rely on econometric models built on historical default and loss data from the portfolios. The Group uses them to calculate economic and regulatory capital, and IFRS 9 provisions, at operation, customer and portfolio level.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">A rigorous governance framework covers the ongoing monitoring and continuous calibration of these models to assess their suitability, predictive power, performance and granularity, as well as compliance with credit policies.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, the Group reviews ratings using the latest available financial information and other relevant data.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander&#180;s limits, pre-classifications and pre-approvals processes determine the level of risk the Group can take on with each customer. Automated processes approve and monitor these decisions. Approved limits must align with expected profitability. To support this, we use profitability estimation and risk-based pricing tools that contribute to sustainable portfolio growth.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander applies various limits models to each segment: </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Large corporate groups are subject to a pre-classification model based on a system for measuring and monitoring economic capital. Pre-classification models express the level of risk Grupo Santander is willing to assume in transactions with customers/groups.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In the corporate segment, for customers that meet certain predefined criteria (including internal rating and profitability), the Group applies a pre-classification model for the main products related to the customer&#8217;s recurring business. The model operates through the setting of internal nominal limits, which define the level of risk to take on with each customer based, among other factors, on their repayment capacity and leverage.</span></div><div style="margin-bottom:6pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Corporate transactions that exceed certain limits or have specific features must be handled through the approval process for an ad hoc proposal.</span></div></div></ix:continuation></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">337</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-320"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-14" continuedAt="f-16225-15"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">For individual customers and SMEs with low turnover, Grupo Santander manages large volumes of credit transactions using automated decision models that assess each case and assign a limit per customer and transaction.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i98b2a4da58cd469cbc04c81f14d69c87"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">1.3. Scenario analysis</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander&#180;s scenario analyses determine the potential risks in its credit portfolios and provide a better understanding of our portfolios' performance under various macroeconomic conditions. They allow us to anticipate management strategies that will avoid future deviations from defined plans and targets. </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">They simulate the impact of alternative scenarios in portfolios&#8217; credit parameters (PD, LGD) and expected credit losses. Grupo Santander compares findings with portfolios&#8217; credit profile indicators to find the right measures for managers to take. Credit risk management of portfolios and SCPs incorporate scenario analyses.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="id82425119f31462ebca2bf35d156a3e7"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">1.4. Monitoring</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Regular, holistic monitoring of customers and portfolios is an essential element of the Group&#8217;s credit risk management, as it enables continuous monitoring of credit quality, early identification of potential impairment and analysis of business performance against predefined plans and objectives. </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The monitoring process systematically analyses changes in credit exposures, customers&#8217; financial and qualitative characteristics, and any relevant changes in their risk classification. This preventive approach draws on transactional information, behavioural indicators and advanced analytics tools, including early-warning engines, which support early identification of potential deterioration and the implementation of specific actions at both customer and portfolio level, based on the assigned monitoring level. </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Monitoring adapts to customer segmentation and the applicable management approach:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">in the large corporate segment, monitoring is carried out jointly by the commercial managers and the risk analysts, which provides an up-to-date, comprehensive view of the customer&#8217;s credit quality at all times and supports the early identification of any potential deterioration.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In the commercial banking, institutions and SMEs with an assigned a credit analyst, he teams carry out enhanced monitoring of customers whose risk profile or specific circumstances require it. This includes the periodic review of their internal ratings based on relevant financial, behavioural and environmental indicators.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Monitoring of individual customers, businesses and smaller SMEs follows a system of automatic alerts to detect shifts in portfolios&#8217; performance.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The Group structures this process for customers with an assigned analyst through the SCAN (Santander Customer Assessment Note) monitoring framework. SCAN assigns a specific monitoring level to each customer, sets the related operating policies, defines concrete management actions, identifies accountable owners and establishes a review frequency aligned with the customer&#8217;s risk profile and relevance.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, the Group has aggregated control and analysis procedures that track portfolio performance, identify material deviations from strategic plans or defined alert thresholds, and help prioritise management focus areas. The process is complemented by contingency plans (risk playbooks), which support the early identification and management of impacts from external factors &#8212; such as macroeconomic, sector or market changes &#8212; and, where appropriate, trigger corrective measures, including adjustments to risk policies.</span></div><div style="margin-bottom:1pt;margin-top:9pt"><span id="i113084d14689436889f8b001443c9f7c"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">1.5.&#160;Credit risk mitigation techniques</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Risk approval criteria generally focus on borrowers&#8217; ability to meet their financial obligations, without prejudice to any collateral that the Bank may require. Collateral and guarantees provided by the obligor in favour of the Bank aim to modulate the level of exposure.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">To determine ability to pay, the Group analyses funds or cash flows from businesses or other regular income, not including guarantors or loan collateral which are always considered at credit approval as a secondary means of recourse.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">A guarantee is an additional protection mechanism in a credit transaction, intended to mitigate loss in the event of a failure to meet the payment obligation. The Group applies different credit risk mitigation techniques depending, among other factors, on the customer and product type. Some are specific to an individual transaction (e.g., real estate guarantees), while others apply to a set of transactions (e.g., derivatives netting or collateral arrangements). These techniques may be grouped into personal guarantees, real guarantees and hedges using credit derivatives.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The correct acceptance of these mitigation techniques is established by verifying their legal enforceability in all jurisdictions. The entire process is subject to internal control and effective monitoring of the valuation of the guarantees, especially real estate guarantees.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%"> </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i948ee16805434bda86d8d70395f5057c"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">1.6.&#160;Collections &amp; recoveries management</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Recovery activity is a relevant function within Grupo Santander&#8217;s risk management and control framework, as it contributes to portfolio quality as one of the key pillars supporting the Bank&#8217;s development, growth and business sustainability. Collections and debt recovery management is a specific, ongoing focus to keep portfolio quality within the expected levels.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The Collections and Recoveries area defines a global management strategy, based on an end-to-end approach and general lines of action for subsidiaries. Recovery management operates under policies and an independent control environment defined by the risk function, aligned with regulatory requirements and with the Group Santander conduct risk management model. The Group carries out this activity in line with strategies defined by the recovery function, in coordination with the Risk areas. </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The recovery strategy combines advanced customer segmentation and the intensive use of digital tools. This supports the optimisation of mass portfolio management and provides tailored support for customers who require individual treatment. The customer remains the focus, and recovery strategies are defined in the context of the relationship with the customer, prioritising the customer&#8217;s viability. As a result, teams manage the customer holistically across all phases of the cycle.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">338</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-321"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-16225-15" continuedAt="f-16225-16"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The function&#8217;s approach covers the entire credit cycle, prioritising solutions that support customer viability. Even after the asset is written off (failed risk), the Group continues to carry out the necessary actions to maximise recovery. The failed risk category includes debt instruments, whether past due or not, for which, following an individual assessment, recovery is considered remote due to a significant and irreversible deterioration in the solvency of the exposure or the holder. Classification in this category entails the full or partial cancellation of the exposure&#8217;s gross carrying amount and its derecognition from the balance sheet, without implying that the Group stops negotiations and legal proceedings to recover the amount. </span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1159"></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><ix:continuation id="f-16225-16" continuedAt="f-16225-17"><div style="margin-bottom:3pt;margin-top:9pt;padding-right:263.62pt"><span id="i284cd3ed0ae54e2589274ec993d73c15_15110"></span><span id="i0d5e3a72bdc34bc19426843ac2a135f2"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">2. Main aggregates and variations </span></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfCreditRiskExposureExplanatory" id="f-16228" escape="true"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Below are the main aggregates relating to credit risk from our activities with customers:</span></div><div style="margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:18.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.640%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.640%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.649%"/><td style="width:0.1%"/></tr><tr><td colspan="36" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Main credit risk performance metrics from activity with customers</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">A</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit risk with customers <br/>(EUR million)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit impaired</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(EUR million)</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">NPL ratio </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(%)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6624" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16229">305,156</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6625" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16230">288,162</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6626" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16231">280,629</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6627" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16232">5,915</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6628" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16233">7,677</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6629" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16234">8,531</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6630" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16235">1.94</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6631" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16236">2.66</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6632" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16237">3.04</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">UK</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6633" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16238">244,303</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6634" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16239">248,061</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6635" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16240">247,360</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6636" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16241">2,645</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6637" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16242">3,299</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6638" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16243">3,518</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6639" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16244">1.08</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6640" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16245">1.33</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6641" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16246">1.42</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Portugal</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6642" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16247">47,760</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6643" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16248">44,573</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6644" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16249">42,455</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6645" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16250">948</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6646" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16251">1,014</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6647" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16252">1,024</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6648" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16253">1.99</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6649" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16254">2.27</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6650" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16255">2.41</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Openbank Europe</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6651" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16256">144,039</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6652" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16257">141,312</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6653" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16258">135,608</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6654" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16259">3,642</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6655" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16260">3,527</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6656" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16261">2,877</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6657" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16262">2.53</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6658" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16263">2.50</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6659" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16264">2.12</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6660" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16265">148,488</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6661" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16266">149,907</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6662" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16267">137,894</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6663" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16268">7,150</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6664" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16269">7,012</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6665" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16270">6,303</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6666" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16271">4.82</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6667" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16272">4.68</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6668" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16273">4.57</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexico</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6669" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16274">53,476</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6670" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16275">49,927</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6671" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16276">52,785</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6672" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16277">1,420</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6673" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16278">1,352</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6674" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16279">1,489</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6675" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16280">2.65</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6676" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16281">2.71</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6677" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16282">2.82</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazil</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6678" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16283">118,546</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6679" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16284">116,247</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6680" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16285">126,722</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6681" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16286">8,010</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6682" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16287">7,090</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6683" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16288">7,923</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6684" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16289">6.76</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6685" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16290">6.10</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6686" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16291">6.25</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chile</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6687" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16292">44,146</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6688" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16293">44,590</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6689" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16294">46,565</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6690" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16295">2,528</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6691" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16296">2,394</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6692" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16297">2,332</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6693" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16298">5.73</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6694" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16299">5.37</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6695" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16300">5.01</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentina</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6696" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16301">8,813</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6697" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16302">8,411</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6698" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16303">3,903</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6699" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16304">677</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6700" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16305">173</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6701" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16306">78</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6702" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16307">7.68</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6703" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16308">2.06</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6704" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16309">1.99</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporate Centre</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6705" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16310">9,340</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6706" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16311">9,256</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6707" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16312">8,206</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6708" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16313">327</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6709" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16314">360</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6710" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16315">302</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6711" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16316">3.50</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6712" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16317">3.89</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6713" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16318">3.67</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6714" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16319">1,159,180</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6715" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16320">1,134,418</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6716" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16321">1,115,288</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6717" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16322">33,739</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6718" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16323">34,383</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6719" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16324">34,671</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6720" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16325">2.91</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6721" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16326">3.03</ix:nonFraction></span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6722" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16327">3.11</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr></table></div><div style="text-indent:10.91pt"><span><br/></span></div><div style="margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"/><td style="width:18.632%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.653%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.653%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.653%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.541%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.653%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.653%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.653%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.541%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.653%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.653%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.662%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">NPL coverage&#160;ratio </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(%) </span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><br/>(EUR million)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Cost&#160;of&#160;risk <br/>(%/risk)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6630" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16328">55</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6631" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16329">53</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6632" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16330">49</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6630" decimals="-6" name="san:NetLoanLossProvision" format="ixt:num-dot-decimal" scale="6" id="f-16331">1,142</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6631" decimals="-6" name="san:NetLoanLossProvision" format="ixt:num-dot-decimal" scale="6" id="f-16332">1,259</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6632" decimals="-6" name="san:NetLoanLossProvision" format="ixt:num-dot-decimal" scale="6" id="f-16333">1,522</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6630" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16334">0.43</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6631" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16335">0.50</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6632" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16336">0.61</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">UK</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6639" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16337">33</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6640" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16338">29</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6641" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16339">30</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6639" decimals="-6" name="san:NetLoanLossProvision" scale="6" id="f-16340">177</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6640" decimals="-6" name="san:NetLoanLossProvision" scale="6" id="f-16341">64</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6641" decimals="-6" name="san:NetLoanLossProvision" scale="6" id="f-16342">247</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6639" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16343">0.07</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6640" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16344">0.03</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6641" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16345">0.10</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Portugal</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6648" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16346">81</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6649" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16347">78</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6650" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16348">83</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6648" decimals="-6" sign="-" name="san:NetLoanLossProvision" scale="6" id="f-16349">8</ix:nonFraction>)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6649" decimals="-6" name="san:NetLoanLossProvision" scale="6" id="f-16350">11</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6650" decimals="-6" name="san:NetLoanLossProvision" scale="6" id="f-16351">77</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-6648" decimals="4" sign="-" name="san:CostOfRiskPercent" scale="-2" id="f-16352">0.02</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6649" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16353">0.03</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6650" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16354">0.19</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Openbank Europe</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6657" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16355">87</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6658" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16356">83</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6659" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16357">88</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6657" decimals="-6" name="san:NetLoanLossProvision" format="ixt:num-dot-decimal" scale="6" id="f-16358">1,363</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6658" decimals="-6" name="san:NetLoanLossProvision" format="ixt:num-dot-decimal" scale="6" id="f-16359">1,209</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6659" decimals="-6" name="san:NetLoanLossProvision" scale="6" id="f-16360">792</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6657" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16361">0.97</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6658" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16362">0.88</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6659" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16363">0.62</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6666" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16364">55</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6667" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16365">64</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6668" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16366">68</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6666" decimals="-6" name="san:NetLoanLossProvision" format="ixt:num-dot-decimal" scale="6" id="f-16367">2,244</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6667" decimals="-6" name="san:NetLoanLossProvision" format="ixt:num-dot-decimal" scale="6" id="f-16368">2,507</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6668" decimals="-6" name="san:NetLoanLossProvision" format="ixt:num-dot-decimal" scale="6" id="f-16369">2,593</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6666" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16370">1.62</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6667" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16371">1.82</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6668" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16372">1.92</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexico</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6675" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16373">105</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6676" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16374">100</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6677" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16375">100</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6675" decimals="-6" name="san:NetLoanLossProvision" format="ixt:num-dot-decimal" scale="6" id="f-16376">1,239</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6676" decimals="-6" name="san:NetLoanLossProvision" format="ixt:num-dot-decimal" scale="6" id="f-16377">1,277</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6677" decimals="-6" name="san:NetLoanLossProvision" format="ixt:num-dot-decimal" scale="6" id="f-16378">1,135</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6675" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16379">2.69</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6676" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16380">2.64</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6677" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16381">2.43</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazil</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6684" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16382">81</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6685" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16383">79</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6686" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16384">83</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6684" decimals="-6" name="san:NetLoanLossProvision" format="ixt:num-dot-decimal" scale="6" id="f-16385">4,409</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6685" decimals="-6" name="san:NetLoanLossProvision" format="ixt:num-dot-decimal" scale="6" id="f-16386">4,487</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6686" decimals="-6" name="san:NetLoanLossProvision" format="ixt:num-dot-decimal" scale="6" id="f-16387">4,701</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6684" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16388">4.17</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6685" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16389">4.03</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6686" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16390">4.27</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6693" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16391">48</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6694" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16392">50</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6695" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16393">53</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6693" decimals="-6" name="san:NetLoanLossProvision" scale="6" id="f-16394">531</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6694" decimals="-6" name="san:NetLoanLossProvision" scale="6" id="f-16395">497</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6695" decimals="-6" name="san:NetLoanLossProvision" scale="6" id="f-16396">365</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6693" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16397">1.32</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6694" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16398">1.19</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6695" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16399">0.80</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentina</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6702" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16400">90</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6703" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16401">177</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6704" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16402">166</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6702" decimals="-6" name="san:NetLoanLossProvision" scale="6" id="f-16403">574</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6703" decimals="-6" name="san:NetLoanLossProvision" scale="6" id="f-16404">284</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6704" decimals="-6" name="san:NetLoanLossProvision" scale="6" id="f-16405">150</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6702" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16406">7.34</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6703" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16407">4.59</ix:nonFraction></span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6704" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16408">6.64</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporate Centre</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6711" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16409">24</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6712" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16410">25</ix:nonFraction></span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6713" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16411">34</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6711" decimals="-6" name="san:NetLoanLossProvision" scale="6" id="f-16412">198</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6712" decimals="-6" sign="-" name="san:NetLoanLossProvision" scale="6" id="f-16413">3</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6713" decimals="-6" sign="-" name="san:NetLoanLossProvision" scale="6" id="f-16414">2</ix:nonFraction>)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6711" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16415">2.79</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-6712" decimals="4" sign="-" name="san:CostOfRiskPercent" scale="-2" id="f-16416">0.05</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-6713" decimals="4" sign="-" name="san:CostOfRiskPercent" scale="-2" id="f-16417">0.04</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6720" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16418">66</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6721" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16419">64</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6722" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16420">66</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6720" decimals="-6" name="san:NetLoanLossProvision" format="ixt:num-dot-decimal" scale="6" id="f-16421">12,128</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6721" decimals="-6" name="san:NetLoanLossProvision" format="ixt:num-dot-decimal" scale="6" id="f-16422">11,822</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6722" decimals="-6" name="san:NetLoanLossProvision" format="ixt:num-dot-decimal" scale="6" id="f-16423">11,784</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6720" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16424">1.14</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6721" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16425">1.12</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6722" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16426">1.13</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/></tr></table></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. Data for 2025, 2024 and 2023 reflect the new reporting structure. Management perimeter according to the reported segments.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Includes gross loans and advances to customers, guarantees. impaired undrawn customer balances and debt securities issued by non-financial institutions.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C. Loan-loss provisions net of post write-off recoveries (EUR <ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:RecoveriesOnLoansPreviouslyWrittenOff" format="ixt:num-dot-decimal" scale="6" id="f-16427">1,791</ix:nonFraction>&#160;million in 2025).</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D. Provisions to cover losses due to impairment of loans in the last 12 months / average customer loans and advances of the last 12 months.</span></div></ix:nonNumeric></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">339</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-322"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-17" continuedAt="f-16225-18"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt"><span id="ide68f831fdee49e3a7eab1e410904c37"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Information on the estimation of impairment losses</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:130%">The calculation of provisions for credit risk losses is performed at financial asset level, estimating potential credit losses through the difference between the contractual cash flows and the expected cash flows, ensuring that the results are adequate considering the status of the transaction, economic conditions and available forward-looking information.</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:130%">The IFRS 9 impairment model applies to financial assets valued at amortized cost; debt instruments valued at fair value with changes in other comprehensive income; leasing receivables; and commitments and guarantees not valued at fair value. </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:130%">The portfolio of financial instruments subject to IFRS 9 has <ix:nonFraction unitRef="stage" contextRef="c-6723" decimals="INF" name="san:NumberOfCreditRiskCategories" format="ixt-sec:numwordsen" scale="0" id="f-16428">three</ix:nonFraction> credit risk categories (or stages) according to the status of each instrument in relation to its level of credit risk:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Stage 1: financial instruments with no significant increase in risk since initial recognition &#8211; the impairment provision reflects expected credit losses from defaults over the 12 months from the reporting date.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Stage 2: financial instruments with a significant credit risk increase since initial recognition but no materialized impairment event &#8211; the impairment provision reflects expected losses from defaults over the financial instrument&#8217;s residual life.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Stage 3: financial instruments with true signs of impairment as a result of one or more events resulting in a loss &#8211; the impairment provision reflects expected losses for credit risk over the instrument&#8217;s expected residual life.</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:130%">The classification of financial instrument in the IFRS 9 stages is carried out in accordance with the guidelines through the risk management policies of the subsidiaries, which are consistent with the Group's policies.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i284cd3ed0ae54e2589274ec993d73c15_15027"></span><span id="i014605f5baa74f9f92a301850479cca7"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Estimation of expected loss</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:130%">The Group uses parameters (mainly EAD, PD, LGD and the discount rate) to calculate impairment provisions. These parameters build on the infrastructure of internal models used to calculate regulatory capital and on regulatory and management expertise, and they also reflect each financial asset&#8217;s stage classification.</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:130%">However, these parameters are not a simple adaptation of existing models. We designed and validated them specifically in line with IFRS 9 requirements and guidance from bodies such as the EBA, , National Competent Authority (NCA), Bank for International Settlements (BIS) or Global Public Policy Committee (GPPC). Their development incorporates forward-looking information, a point-in-time (PIT) approach, multiple scenarios and lifetime loss estimation through lifetime PD, among other elements.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ide68c6fd0f4644508a90fc733f6dc5a9"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Determination of significant increase in credit risk (SICR)</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:130%">To determine classification in Stage 2, the Group assesses whether a SICR has occurred since the initial recognition of the exposures. The Group performs this assessment under common principles applicable across the Group, reviewing all financial instruments subject to this analysis and taking into account the specific features of each portfolio and product type through a range of quantitative and qualitative indicators.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Expert judgement from analysts supports the SICR assessment. Analysts set the thresholds within an integrated management framework and in line with the approved corporate governance. The principles are as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Universality: all financial instruments subject to a credit rating must be assessed for their possible SICR.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Proportionality: the definition of the SICR must take into account the particularities of each portfolio.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Materiality: its implementation must be also consistent with the relevance of each portfolio so as not to incur in unnecessary costs or efforts.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Holistic vision: the approach selected must be a combination of the most relevant credit risk aspects (e.g. quantitative and qualitative).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Application of IFRS 9: the approach must take into consideration IFRS 9 characteristics, focusing on a comparison with credit risk at initial recognition, as well as considering forward-looking information.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Risk management integration: the criteria must be consistent with those metrics considered in the day-to-day risk management.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Documentation: appropriate documentation must be prepared.</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:130%">The techniques are summarised below:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Stability of stage 2: in the absence of significant changes in the portfolios credit quality, the volume of assets in stage 2 should maintain a certain stability as a whole.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Economic reasonableness: at transaction level, stage 2 is expected to be a transitional rating for exposures that could eventually move to a deteriorating credit status at some point or stage 3, as well as for exposures that have suffered credit deterioration and whose credit quality is improving and returns to stage 1.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Predictive power: it is expected that the SICR definition avoids, as far as possible, direct migrations from stage 1 to stage 3 without having been previously classified in stage 2.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Time in stage 2: it is expected that the exposures do not remain categorized as stage 2 for an excessive time.</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:130%">The application of the aforementioned techniques, conclude in the setting of one or several thresholds for each portfolio in each geography. Likewise, these thresholds are subject to a regular review by means of calibration tests, which may entail updating the thresholds types or their values.</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:130%">Identifying a significant increase in credit risk: when classifying financial instruments under stage 2, Santander considers:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Quantitative criteria: Grupo Santander reviews and quantifies changes in the risk of default during their expected life based on their credit risk level on initial recognition.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">340</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-323"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-18" continuedAt="f-16225-19"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For the purposes of assessing significant changes when financial instruments are classified in Stage 2, each subsidiary has set quantitative thresholds for its portfolios in line with Group guidelines, seeking a consistent interpretation across all our geographies. The calibration principles for these thresholds are set out in the previous paragraph and may result in two types of thresholds:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Relative. Thresholds that compare current credit quality with credit quality at origination, expressed as a percentage change.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Absolute. Thresholds that compare current credit quality with credit quality at origination, expressed as an absolute change.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, in line with the ECB&#8217;s supervisory expectations, the Group has set a 200% cap on the relative threshold, known as the 'threefold increase'. As a result, exposures whose credit quality has deteriorated by more than 200% in relative terms &#8212;using an approach analogous to the relative threshold described in the previous paragraph &#8212; transfer from Stage 1 to Stage 2.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Meeting any of the absolute thresholds, the relative thresholds or the 200% cap on the relative threshold (threefold increase) on an individual basis results in the transfer of the financial instrument exposure from Stage 1 to Stage 2.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, the Group may apply the Low Credit Risk Exemption at the reporting date, so that certain exposures that continue to meet this condition may remain in Stage 1. This exemption applies only to quantitative significant increase in credit risk criteria; therefore, qualitative criteria are not eligible for exemption. The Group uses it on a limited basis, documents it and reviews it periodically. When an exposure no longer meets the low credit risk condition, it transfers to Stage 2 in line with the criteria above.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Qualitative criteria: several indicators aligned with ordinary credit risk management indicators (e.g. past due for over 30 days, forbearance, early warning indicators system, etc.). Each subsidiary has defined these indicators for their portfolios, with special attention to reinforcing these qualitative criteria through expert judgment and aligning them to the criteria used in management.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">When the presumption of a significant deterioration of credit risk is removed, due to a sufficient improvement of the credit quality, the obligor can be re-classified to stage 1, without any probationary period in stage 2.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Definition of default: Santander incorporated the new definition to provisions calculation according to the EBA&#8217;s guidelines; the Group is also considering applying it to prudential framework. In addition, the default definition and stage 3 have been aligned.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This definition considers the following criteria to classify exposures as stage 3: financial instruments with one or more payments more than 90 consecutive days past due, representing at least 1% of the client's total exposure or the identification of other criteria demonstrating, even in the absence of defaults, that it is unlikely that the counterparty is unlikely to meet all of its financial obligations.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander applies the default criteria to all exposures of the impaired client. Where an obligor belongs to a group, the default criteria may also be applied to all exposures of the group.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The default classification is maintained during the 3-month test period following the disappearance of all default indicators described above, and this period is extended to one year for forbearances that have been classified as default.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Expected life of financial instruments: Santander estimates the expected life of financial instruments according to their contractual terms (e.g. prepayments, duration, purchase options, etc.). </span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The contractual period (including extension options) is the maximum time frame for measuring the expected credit loss. If financial instruments have an undefined maturity period and undrawn amounts (e.g. credit cards), Santander estimates its expected life based on the total exposure period and effective management practices to mitigate exposure. </span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">1.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.44pt">Forward-looking vision</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:130%">Estimating expected credit losses (ECL)requires significant expert judgement and the incorporation of historical, current and forward-looking information. Expected loss estimates are therefore based on an unbiased, probability-weighted likelihood of up to five possible future scenarios that could affect the collection of contractual cash flows. These scenarios consider the time value of money, relevant information available on past events, current conditions and forecasts of the macroeconomic factors considered important in estimating this amount (e.g. GDP, house prices and the unemployment rate, among others). </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:130%">Santander uses forward-looking information in internal management and regulatory processes under several scenarios. The Group's guidelines and governance seek synergy and consistency between these different processes. </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:130%">2. Additional elements</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:130%">Additional elements will be required when necessary because they have not been captured under the two previous elements. This has included, among others, the analysis of sectors most affected if their impacts are not sufficiently captured by the macroeconomic scenarios. Also collective analysis techniques, when the potential impairment in a group of clients cannot be identified individually.</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:130%">With the elements indicated above, Grupo Santander has evaluated in each of the geographical areas the evolution of the credit quality of its customers, for the purposes of classifying them into stages and consequently calculating expected loss.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i1faed7f6ea3d465f8856efa57990369e"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Management overlays</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:130%">During 2025, the Group strengthened coverage across its portfolios by implementing overlays, mainly in Brazil, Chile and Mexico, where it increased the PMA buffer to anticipate the impact of the year&#8217;s model recalibrations, as well as other potential deviations.</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:130%">In addition, the Group gradually released the adjustments related to climate events, such as the Valencia dana experienced in late October 2024, in the case of Santander Spain and the Spanish DCB office.</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:130%">Overall, the amount of overlays at year-end 2025 remains immaterial compared with the Group&#8217;s total allowance for credit losses.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">341</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-324"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><ix:continuation id="f-16225-19" continuedAt="f-16225-20"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i124cacb87d414830832c0438899fca78"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Exposure and loan-loss reserves</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Then, considering the most relevant units of the Group (United Kingdom, Spain, United States, Brazil, also Chile, Mexico, Portugal, Argentina and Santander Consumer Finance), which represent approximately </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"><ix:nonFraction unitRef="number" contextRef="c-2" decimals="2" name="san:PercentageOfTotalProvisions" scale="-2" id="f-16429">94</ix:nonFraction>%</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> of the total Group's provisions. The table below shows the loan-loss reserves associated with each stage as of 31 December 2025, 2024 and 2023. <ix:nonNumeric contextRef="c-1" name="san:DisclosureOfCreditQualityTableTextBlock" id="f-16430" continuedAt="f-16430-1" escape="true">In addition, depending on the transactions credit quality, the exposure is divided into <ix:nonFraction unitRef="tranches" contextRef="c-2" decimals="INF" name="san:ExposureToCreditRiskNumberOfTranches" format="ixt-sec:numwordsen" scale="0" id="f-16431">four</ix:nonFraction> categories according to Standard &amp; Poor's rating scale:</ix:nonNumeric></span></div><ix:continuation id="f-16430-1" continuedAt="f-16430-2"><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"><tr><td style="width:1.0%"/><td style="width:27.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.768%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.768%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.768%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.770%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.6pt solid #ffffff;padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6724" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16432">112,795</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6725" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16433">2,243</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6726" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16434">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6727" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16435">115,038</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6728" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16436">367,186</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6729" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16437">14,393</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6730" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16438">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6731" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16439">381,579</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6732" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16440">291,014</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6733" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16441">44,363</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6734" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16442">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6735" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16443">335,376</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6736" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16444">8,114</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6737" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16445">17,114</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6738" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16446">31,275</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6739" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16447">56,503</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3053" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16448">779,109</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3059" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16449">78,112</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3065" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16450">31,275</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16451">888,496</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-losses reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6740" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16452">3,068</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6741" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16453">4,698</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6742" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16454">13,177</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6743" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16455">20,942</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span><br/></span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"><tr><td style="width:1.0%"/><td style="width:27.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.768%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.768%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.768%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.770%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6744" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16456">102,394</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6745" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16457">2,564</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6746" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16458">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6747" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16459">104,958</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">From A+ to BB</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6748" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16460">411,158</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6749" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16461">15,678</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6750" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16462">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6751" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16463">426,837</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6752" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16464">276,422</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6753" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16465">42,456</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6754" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16466">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6755" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16467">318,878</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6756" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16468">10,385</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6757" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16469">16,633</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6758" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16470">31,273</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6759" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16471">58,291</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3055" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16472">800,360</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3061" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16473">77,330</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3067" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16474">31,273</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16475">908,963</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-losses reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6760" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16476">3,184</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6761" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16477">4,512</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6762" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16478">12,938</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6763" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16479">20,635</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%"> </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"><tr><td style="width:1.0%"/><td style="width:27.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.768%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.768%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.768%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.770%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6764" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16480">140,792</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6765" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16481">2,237</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6766" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16482">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6767" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16483">143,029</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6768" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16484">404,184</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6769" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16485">13,746</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6770" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16486">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6771" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16487">417,930</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6772" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16488">250,619</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6773" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16489">39,979</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6774" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16490">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6775" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16491">290,599</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6776" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16492">11,633</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6777" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16493">18,846</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6778" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16494">32,455</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6779" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16495">62,933</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3057" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16496">807,228</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3063" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16497">74,808</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3069" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16498">32,455</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16499">914,491</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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#ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6781" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16501">4,883</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6782" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16502">13,404</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6783" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16503">21,750</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Detail of credit quality ratings calculated for Group management purposes. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.23pt">Total exposure includes loan balances (drawn amounts) and off balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.45pt">Includes provisions for undrawn authorized lines (loan commitments).</span></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"><ix:continuation id="f-16430-2" continuedAt="f-16430-3">Data for 2025, 2024 and 2023 reflect the new reporting structure, mainly the disposal of Poland. </ix:continuation>&#160;&#160;&#160;&#160;</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The remaining units that form the totality of the Group exposure, account for EUR <ix:nonFraction unitRef="eur" contextRef="c-6784" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16504">93,731</ix:nonFraction>&#160;million: EUR <ix:nonFraction unitRef="eur" contextRef="c-6785" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16505">89,094</ix:nonFraction>&#160;million in stage 1; EUR <ix:nonFraction unitRef="eur" contextRef="c-6786" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16506">3,528</ix:nonFraction>&#160;million in stage 2; and EUR <ix:nonFraction unitRef="eur" contextRef="c-6787" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16507">1,109</ix:nonFraction>&#160;million in stage 3 (in 2024 EUR <ix:nonFraction unitRef="eur" contextRef="c-6788" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16508">80,541</ix:nonFraction>&#160;million in stage 1; EUR <ix:nonFraction unitRef="eur" contextRef="c-6789" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16509">2,534</ix:nonFraction>&#160;million in stage 2, and EUR <ix:nonFraction unitRef="eur" contextRef="c-6790" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-16510">874</ix:nonFraction>&#160;million in stage 3. In 2023, EUR <ix:nonFraction unitRef="eur" contextRef="c-6791" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16511">68,788</ix:nonFraction>&#160;million in stage 1; EUR <ix:nonFraction unitRef="eur" contextRef="c-6792" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16512">1,504</ix:nonFraction>&#160;million in stage 2, and EUR <ix:nonFraction unitRef="eur" contextRef="c-6793" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-16513">658</ix:nonFraction>&#160;million in stage 3), and </span></div></div></ix:continuation><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-16225-20" continuedAt="f-16225-21"><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">loan-loss reserves totalled EUR <ix:nonFraction unitRef="eur" contextRef="c-6794" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16514">759</ix:nonFraction>&#160;million, of which: EUR <ix:nonFraction unitRef="eur" contextRef="c-6795" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16515">213</ix:nonFraction>&#160;million in stage 1; EUR <ix:nonFraction unitRef="eur" contextRef="c-6796" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16516">152</ix:nonFraction>&#160;million for stage 2, and EUR <ix:nonFraction unitRef="eur" contextRef="c-6797" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16517">394</ix:nonFraction>&#160;million in stage 3 (in 2024, EUR <ix:nonFraction unitRef="eur" contextRef="c-6798" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16518">165</ix:nonFraction>&#160;million, EUR <ix:nonFraction unitRef="eur" contextRef="c-6799" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16519">117</ix:nonFraction>&#160;million and EUR <ix:nonFraction unitRef="eur" contextRef="c-6800" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16520">295</ix:nonFraction>&#160;million and in 2023, EUR <ix:nonFraction unitRef="eur" contextRef="c-6801" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16521">199</ix:nonFraction>&#160;million, EUR <ix:nonFraction unitRef="eur" contextRef="c-6802" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16522">73</ix:nonFraction>&#160;million and EUR <ix:nonFraction unitRef="eur" contextRef="c-6803" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16523">161</ix:nonFraction>&#160;million in stage 1, stage 2 and stage 3, respectively).</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The remaining exposure, including all financial instruments not included before, amounts to EUR <ix:nonFraction unitRef="eur" contextRef="c-3053" decimals="-6" name="san:MaximumExposureToCreditRiskOtherFinancialInstruments" format="ixt:num-dot-decimal" scale="6" id="f-16524">834,911</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-3055" decimals="-6" name="san:MaximumExposureToCreditRiskOtherFinancialInstruments" format="ixt:num-dot-decimal" scale="6" id="f-16525">665,476</ix:nonFraction>&#160;million in 2024 and EUR <ix:nonFraction unitRef="eur" contextRef="c-3057" decimals="-6" name="san:MaximumExposureToCreditRiskOtherFinancialInstruments" format="ixt:num-dot-decimal" scale="6" id="f-16526">598,385</ix:nonFraction>&#160;million in 2023), and it includes all undrawn authorized lines (loan commitments). </span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As of 31 December 2025, the Group had EUR <ix:nonFraction unitRef="eur" contextRef="c-6804" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-16527">334</ix:nonFraction>&#160;million net of provisions (EUR <ix:nonFraction unitRef="eur" contextRef="c-6805" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-16528">559</ix:nonFraction>&#160;million and EUR <ix:nonFraction unitRef="eur" contextRef="c-6806" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-16529">743</ix:nonFraction>&#160;million at 31 December 2024 and 2023, respectively) of purchased credit-impaired assets, which relate mainly to the business combinations carried out by the Group.</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:130%">In relation to the evolution of credit risk provisions, the Group, together with its main geographies, monitors them through sensitivity analyses that assess the impact of changes in macroeconomic scenarios and their key variables on the allocation of financial assets across stages and on the measurement of credit risk provisions.</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:130%">Additionally, based on consistent macroeconomic scenarios, the Group also performs stress tests and sensitivity analysis in a regular basis, such as ICAAP, strategic plans, budgets and recovery and resolution plans. In this sense, a prospective view of the sensitivity of each of the Group&#8217;s loan portfolio is created in relation to the possible deviation from the base scenario, considering both the macroeconomic developments in different scenarios and the three year evolution of the business. These tests include potentially adverse and favourable scenarios.</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1162"></div><ix:continuation id="f-16225-21" continuedAt="f-16225-22"><div style="margin-bottom:3pt;margin-top:15pt"><span id="if8ed7eda2fb04893b26b8e950460b88b"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">3. Detail of the main geographical areas</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:130%">Following is the risk information related to the most relevant geographies in exposure and credit risk allowances.</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:130%">This information includes sensitivity analysis, consisting on simulations of +/-100 bp in the main macroeconomic variables. A set of specific and complete scenarios is used in each geography, where different shocks that affect both the reference macroeconomic variable as well as the rest of the parameters is simulated, with different intensities. These shocks collect mainly the most relevant risks and may be originated by productivity, tax, wages or exchange and interest rates factors.</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:130%">Sensitivity is measured as the average variation on expected loss corresponding to the aforementioned movement of +/-100 bp. Following a conservative approach, the negative movements take into account one additional standard deviation in order to reflect the potential higher variability of losses.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ib3feb763512a43a4b5b359be7895c507"></span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">3.1.&#160;United Kingdom</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="id2afca752a934154911ff0f739b38c75"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Portfolio overview</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Credit risk with customers in the UK remained stable in EUR <ix:nonFraction unitRef="eur" contextRef="c-6807" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-16530">244,303</ix:nonFraction>&#160;million. This credit risk represents <ix:nonFraction unitRef="number" contextRef="c-6807" decimals="2" name="san:PercentageOfTotalPortfolioAtRisk" scale="-2" id="f-16531">21</ix:nonFraction>% of Santander&#8217;s loan portfolio.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At <ix:nonFraction unitRef="number" contextRef="c-6807" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16532">1.08</ix:nonFraction>%, the NPL ratio decreased <ix:nonFraction unitRef="number" contextRef="c-6808" decimals="4" name="san:DecreaseInNonPerformingLoansRatio" scale="-4" id="f-16533">25</ix:nonFraction> bps in comparison to the year end of 2024, due to the good performance in the mortgage portfolio.</span></div></ix:continuation></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">342</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-325"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-22" continuedAt="f-16225-23"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i803c756134084ffc8140208078e535d3"></span><span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Mortgage portfolio</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Because of its size, Grupo Santander closely monitor Santander UK&#8217;s mortgage portfolio for the entity itself and the Group. </span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As of 31 December 2025, the mortgage portfolio of Santander UK remained stable, at local currency, and reached EUR <ix:nonFraction unitRef="eur" contextRef="c-6809" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16534">192,047</ix:nonFraction>&#160;million. It co</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">mprises residential mortgages granted to new and existing customers which are first lien mortgages. There are no second or more liens on mortgaged properties. </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:130%">Originations have increased in 2025 compared to 2024, a sign of a more active housing market due to lower interest rates and less pressure on households&#8217; purchasing power. The housing market returned to growth in 2025, with a higher level of transactions and price increases compared to 2024.  </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:130%">Under Santander's risk management principles, a property must be appraised independently before we can approve a new mortgage. In line with market practices and the law, we get updated values of properties used as mortgage collateral from an independent agency's automatic appraisal system.</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:130%">Santander UK's wide range of mortgages include:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Interest-only loans (<ix:nonFraction unitRef="number" contextRef="c-6810" decimals="2" name="san:InterestOnlyLoansMortgagePortfolioPercentage" scale="-2" id="f-16535">21</ix:nonFraction>%): Customers pay interest every month and repay the principal at maturity. These mortgages, which are common in the UK, require borrowers to have an appropriate repayment vehicle, such as a pension plan or an investment fund. To mitigate inherent risk, Santander UK has restrictive approval requirements, such a maximum loan-to-value ratio of <ix:nonFraction unitRef="number" contextRef="c-6811" decimals="2" name="san:LoanToValueRatio" scale="-2" id="f-16536">50</ix:nonFraction>% and an assessment of the ability to pay both interest and capital.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Flexible loans (<ix:nonFraction unitRef="number" contextRef="c-6810" decimals="2" name="san:FlexibleLoansMortgagePortfolioPercentage" scale="-2" id="f-16537">2</ix:nonFraction>%): Loan agreements allow borrowers to modify monthly payments or draw down additional funds up to a set limit under various conditions.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Buy-to-let (<ix:nonFraction unitRef="number" contextRef="c-6810" decimals="2" name="san:BuyToLetMortgagesMortgagePortfolioPercentage" scale="-2" id="f-16538">9</ix:nonFraction>%): Buy-to-let mortgages account for a small portion of the total portfolio and are subject to strict risk approval policies. </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:130%">Santander&#8217;s NPL ratio highlights the resilience of the mortgage portfolio in a challenging economic environment and an intensely competitive market. It stood at <ix:nonFraction unitRef="number" contextRef="c-6812" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16539">0.87</ix:nonFraction>% at the end of December 2025 (-<ix:nonFraction unitRef="number" contextRef="c-6813" decimals="4" name="san:DecreaseInNonPerformingLoansRatio" scale="-4" id="f-16540">20</ix:nonFraction> bps YoY).</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025, <ix:nonFraction unitRef="number" contextRef="c-6811" decimals="2" name="san:PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent" scale="-2" id="f-16541">82</ix:nonFraction>% of the mortgage portfolio had an LTV lower than <ix:nonFraction unitRef="number" contextRef="c-6814" decimals="2" name="san:LoanToValueRatio" scale="-2" id="f-16542">70</ix:nonFraction>%.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i7f0f1f133f9249cf9bd394fa6954833e"></span><span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Information on the estimation of impairment losses</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:130%">The detail of Santander's UK exposure and loan-loss reserves associated with each of the stages at 31 December 2025, 2024 and 2023, is shown below. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-16430-3" continuedAt="f-16430-4"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, the exposure is divided in <ix:nonFraction unitRef="tranches" contextRef="c-4756" decimals="INF" name="san:ExposureToCreditRiskNumberOfTranches" format="ixt-sec:numwordsen" scale="0" id="f-16543">four</ix:nonFraction> tranches of the Standard &amp; Poor's rating scale, according to their current credit quality:</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:30.998%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.877%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6815" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16544">29,963</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6816" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-16545">381</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6817" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16546">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6818" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16547">30,344</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6819" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16548">152,981</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6820" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16549">9,529</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6821" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16550">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6822" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16551">162,510</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6823" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16552">17,630</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6824" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16553">8,770</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6825" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16554">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6826" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16555">26,400</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6827" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-16556">2</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6828" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-16557">615</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6829" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16558">2,475</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6830" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16559">3,092</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6831" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16560">200,576</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6832" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16561">19,295</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6833" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16562">2,475</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4756" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16563">222,346</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6834" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16564">163</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6835" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16565">319</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6836" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16566">373</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6837" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16567">855</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:30.998%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.877%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6838" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16568">32,012</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6839" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16569">1,184</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6840" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16570">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6841" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16571">33,196</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6842" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16572">159,970</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6843" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16573">10,916</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6844" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16574">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6845" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16575">170,886</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6846" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16576">17,594</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6847" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16577">11,175</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6848" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16578">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6849" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16579">28,769</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6850" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-16580">12</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6851" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-16581">695</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6852" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16582">3,292</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6853" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16583">3,999</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6854" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16584">209,588</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6855" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16585">23,970</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6856" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16586">3,292</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4757" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16587">236,850</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6857" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16588">166</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6858" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16589">401</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6859" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16590">400</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6860" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16591">967</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span><br/></span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:30.998%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.877%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6861" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16592">46,236</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6862" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16593">1,273</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6863" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16594">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6864" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16595">47,509</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6865" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16596">145,884</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6866" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16597">10,850</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6867" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16598">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6868" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16599">156,734</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6869" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16600">13,588</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6870" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16601">13,995</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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format="ixt:num-dot-decimal" scale="6" id="f-16603">27,583</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6873" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16604">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6874" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16605">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6875" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16606">3,518</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6876" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16607">3,518</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6877" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16608">205,708</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6878" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16609">26,118</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6879" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16610">3,518</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4758" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16611">235,344</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6881" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16613">498</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6882" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16614">396</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6883" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16615">1,066</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Detail of credit quality ratings calculated for Group management purposes. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.23pt">Total exposure includes loan balances (drawn amounts) and off balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.45pt">Includes provisions for undrawn authorized lines (loan commitments).</span></div></ix:continuation><div><span><br/></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:130%">For the estimation of expected losses, prospective information is taken into account. Specifically, Santander UK considers <ix:nonFraction unitRef="scenario" contextRef="c-6884" decimals="INF" name="san:NumberOfProspectiveMacroeconomicScenarios" format="ixt-sec:numwordsen" scale="0" id="f-16616">four</ix:nonFraction> macroeconomic scenarios, which are updated periodically. <ix:nonNumeric contextRef="c-1" name="san:DisclosureOfMacroeconomicScenariosTableTextBlock" id="f-16617" continuedAt="f-16617-1" escape="true">The evolution forecasted in 2025 for the next <ix:nonNumeric contextRef="c-6884" name="san:EvolutionProjectionPeriod" format="ixt-sec:durwordsen" id="f-16618">five years</ix:nonNumeric> of the main macroeconomic indicators used by Santander UK to estimate expected losses is presented below:</ix:nonNumeric></span></div><ix:continuation id="f-16617-1" continuedAt="f-16617-2"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"><tr><td style="width:1.0%"/><td style="width:25.834%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:17.166%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.166%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.166%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.168%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2026 - 2030</span></div></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Variables</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Base scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Optimistic scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6885" decimals="3" name="san:EstimationOfExpectedLossesInterestRate" scale="-2" id="f-16619">2.4</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6886" decimals="3" name="san:EstimationOfExpectedLossesInterestRate" scale="-2" id="f-16620">3.5</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6887" decimals="3" name="san:EstimationOfExpectedLossesInterestRate" scale="-2" id="f-16621">3.3</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6888" decimals="3" name="san:EstimationOfExpectedLossesInterestRate" scale="-2" id="f-16622">3.0</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Unemployment rate</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6885" decimals="3" name="san:EstimationOfExpectedLossesUnemploymentRate" scale="-2" id="f-16623">7.3</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6886" decimals="3" name="san:EstimationOfExpectedLossesUnemploymentRate" scale="-2" id="f-16624">5.8</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6887" decimals="3" name="san:EstimationOfExpectedLossesUnemploymentRate" scale="-2" id="f-16625">4.5</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6888" decimals="3" name="san:EstimationOfExpectedLossesUnemploymentRate" scale="-2" id="f-16626">4.2</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Housing price change</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-6885" decimals="3" sign="-" name="san:EstimationOfExpectedLossesHousingPriceChangeRate" scale="-2" id="f-16627">2.9</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-6886" decimals="3" sign="-" name="san:EstimationOfExpectedLossesHousingPriceChangeRate" scale="-2" id="f-16628">0.2</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6887" decimals="3" name="san:EstimationOfExpectedLossesHousingPriceChangeRate" scale="-2" id="f-16629">2.9</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6888" decimals="3" name="san:EstimationOfExpectedLossesHousingPriceChangeRate" scale="-2" id="f-16630">4.4</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">GDP growth</span></td><td colspan="3" style="display:none"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-6885" decimals="4" sign="-" name="san:EstimationOfExpectedLossesGDPGrowthRate" scale="-2" id="f-16631">0.02</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6886" decimals="3" name="san:EstimationOfExpectedLossesGDPGrowthRate" scale="-2" id="f-16632">0.2</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6887" decimals="3" name="san:EstimationOfExpectedLossesGDPGrowthRate" scale="-2" id="f-16633">1.4</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6888" decimals="3" name="san:EstimationOfExpectedLossesGDPGrowthRate" scale="-2" id="f-16634">2.4</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div></ix:continuation></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">343</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-326"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-23" continuedAt="f-16225-24"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Each of the macroeconomic scenarios is associated with a given weight. In terms of allocation, Santander UK associates the highest weighting to the base scenario, while it associates the lowest weightings to the most extreme or severe scenarios. <ix:nonNumeric contextRef="c-1" name="san:DisclosureOfWeightAssociatedWithMacroeconomicScenariosTableTextBlock" id="f-16635" continuedAt="f-16635-1" escape="true">In addition, at 31 December 2025, 2023 and 2022, the weights used by Santander UK reflect the future prospects of the British economy in relation to its current political and economic position so that higher weights are assigned for negative scenarios:</ix:nonNumeric></span></div><ix:continuation id="f-16635-1" continuedAt="f-16635-2"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:47.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.183%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.183%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.186%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;3</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"><ix:nonFraction unitRef="number" contextRef="c-6889" xsi:nil="true" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" id="f-16636"></ix:nonFraction></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6890" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16637">20</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6891" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16638">20</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pessimistic scenario&#160;2</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6885" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16639">10</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6892" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16640">10</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6893" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16641">10</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pessimistic scenario&#160;1</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6886" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16642">25</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6894" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16643">25</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6895" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16644">10</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Base scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6887" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16645">50</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6896" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16646">50</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6897" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16647">50</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Optimistic scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-6888" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16648">15</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6898" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16649">15</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6899" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16650">10</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></div></ix:continuation><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfMacroeconomicVariablesSensitivityAnalysisTableTextBlock" id="f-16651" continuedAt="f-16651-1" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios, as of December 2025, 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:99.474%"><tr><td style="width:1.0%"/><td style="width:54.317%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.191%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.192%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change in Provision</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mortgages</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporates</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">GDP Growth</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6900" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" scale="-2" id="f-16652">11.6</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6901" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" scale="-2" id="f-16653">3.9</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-6900" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" scale="-2" id="f-16654">2.9</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-6901" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" scale="-2" id="f-16655">1.4</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Housing price change</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6900" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate" scale="-2" id="f-16656">7.3</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6901" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate" scale="-2" id="f-16657">6.0</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-6900" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate" scale="-2" id="f-16658">3.5</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-6901" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate" scale="-2" id="f-16659">1.6</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Unemployment rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-6900" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" scale="-2" id="f-16660">12.3</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-6901" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" scale="-2" id="f-16661">2.5</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6900" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" scale="-2" id="f-16662">23.7</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-6901" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" scale="-2" id="f-16663">5.7</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div></ix:nonNumeric><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">With regard to Stage 2 classification, Santander UK applies quantitative criteria based on identifying an increase in lifetime probability of default (PD) for the transaction that exceeds both an absolute and a relative threshold. The PDs used in this assessment are adjusted to the transaction&#8217;s remaining term and annualised to facilitate the definition of thresholds that cover the full range of transaction maturities. The relative threshold is common across all portfolios, and Santander UK considers that a transaction exceeds this threshold when its lifetime PD increases by <ix:nonFraction unitRef="number" contextRef="c-6884" decimals="2" name="san:ProbabilityOfDefaultPercentageIncreaseFromInitialRecognition" scale="-2" id="f-16664">100</ix:nonFraction>% compared to the PD at initial recognition. The absolute threshold, by contrast, differs across portfolios depending on the characteristics of the transactions.</span></div><div><span><br/></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:130%">In addition, each portfolio has a set of specific qualitative criteria indicating that the exposure has experienced a significant increase in credit risk, irrespective of the evolution of its PD since initial recognition. Among other criteria, Santander UK considers that a transaction shows a significant increase in credit risk when it is more than <ix:nonNumeric contextRef="c-6884" name="san:MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk" format="ixt-sec:durday" id="f-16665">30</ix:nonNumeric> days past due. It also has implemented early warning indicator system to support Stage 2 classification. These criteria align with the risk management practices of each portfolio.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:1pt;margin-top:9pt"><span id="iae9f560b4ead47948b97c7d8cc67499d"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">3.2. Spain</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="ie1f99b6d9a27447aa6b22fbca1da3c1e"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">P</span><span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">ortfolio overview</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Santander Espa&#241;a&#8217;s credit risk totalled EUR <ix:nonFraction unitRef="eur" contextRef="c-307" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-16666">305,156</ix:nonFraction>&#160;million (<ix:nonFraction unitRef="number" contextRef="c-307" decimals="2" name="san:PercentageOfTotalPortfolioAtRisk" scale="-2" id="f-16667">26</ix:nonFraction>% of Grupo Santander&#8217;s total). It is appropriately diversified among products and customer segments.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The NPL ratio was <ix:nonFraction unitRef="number" contextRef="c-307" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16668">1.94</ix:nonFraction>%, <ix:nonFraction unitRef="number" contextRef="c-2505" decimals="4" name="san:DecreaseInNonPerformingLoansRatio" scale="-4" id="f-16669">72</ix:nonFraction> bps lower than in December 2024. This decrease was driven by the portfolio&#8217;s strong performance, supported by the execution of the NPL reduction plan.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The NPL coverage ratio increased slightly to <ix:nonFraction unitRef="number" contextRef="c-307" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16670">55</ix:nonFraction>% (+<ix:nonFraction unitRef="number" contextRef="c-2505" decimals="4" name="san:IncreaseDecreaseInNonPerformingCoverageRatioPercent" scale="-4" id="f-16671">2</ix:nonFraction> p.p. year-on-year). The cost of risk decreased to <ix:nonFraction unitRef="number" contextRef="c-307" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16672">0.43</ix:nonFraction>% (-<ix:nonFraction unitRef="number" contextRef="c-2505" decimals="4" name="san:PercentageOfDecreaseInCostOfCredit" scale="-4" id="f-16673">7</ix:nonFraction> bps vs. December 2024), driven by the strong performance of all portfolios.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Macroeconomic projections suggest the economy will moderate its growth pace slightly, but will remain dynamic and well above the eurozone average, as the Spanish economy has largely been supported by stronger domestic demand amid a weaker-than-expected external sector.</span></div><div style="margin-bottom:1pt;margin-top:9pt"><span id="i3da1f4258c1f40808267129132106ea6"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Residential mortgage portfolio</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:130%">Residential mortgages in Spain, including Santander Consumer Finance business, amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-6902" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16674">60,002</ix:nonFraction>&#160;million in 2025 (EUR <ix:nonFraction unitRef="eur" contextRef="c-6903" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16675">59,316</ix:nonFraction> million and EUR <ix:nonFraction unitRef="eur" contextRef="c-6904" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16676">61,097</ix:nonFraction> million in 2024 and 2023, respectively), <ix:nonFraction unitRef="number" contextRef="c-6905" decimals="4" name="san:LoansPercentageSecuredByMortgage" scale="-2" id="f-16677">99.64</ix:nonFraction>% of which have a mortgage guarantee (<ix:nonFraction unitRef="number" contextRef="c-6906" decimals="4" name="san:LoansPercentageSecuredByMortgage" scale="-2" id="f-16678">99.65</ix:nonFraction>%and <ix:nonFraction unitRef="number" contextRef="c-6907" decimals="4" name="san:LoansPercentageSecuredByMortgage" scale="-2" id="f-16679">99.65</ix:nonFraction>% in 2024 and 2023, respectively).</span></div><ix:continuation id="f-2177-2" continuedAt="f-2177-3"><div style="margin-bottom:9pt;margin-top:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"><tr><td style="width:1.0%"/><td style="width:46.887%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.906%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.907%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which: impaired</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Home purchase loans to families</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6902" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16680">60,002</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6908" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16681">625</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Without mortgage collateral</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6909" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16682">215</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6910" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16683">7</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">With mortgage collateral</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6911" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16684">59,787</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6912" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16685">618</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"><tr><td style="width:1.0%"/><td style="width:46.887%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.906%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.907%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which: impaired</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Home purchase loans to families</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6903" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16686">59,316</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6913" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16687">789</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Without mortgage collateral</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6914" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16688">208</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6915" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16689">11</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">With mortgage collateral</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6916" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16690">59,108</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6917" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16691">778</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"><tr><td style="width:1.0%"/><td style="width:46.887%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.906%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.907%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which: impaired</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Home purchase loans to families</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6904" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16692">61,097</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6918" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16693">924</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Without mortgage collateral</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6919" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16694">215</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6920" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16695">16</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">With mortgage collateral</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6921" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16696">60,882</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6922" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16697">908</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div></ix:continuation></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">344</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-327"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-24" continuedAt="f-16225-25"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;margin-top:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The NPL ratio for the residential mortgages portfolio stood at <ix:nonFraction unitRef="number" contextRef="c-6923" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16698">1.03</ix:nonFraction>%, with a reduction of <ix:nonFraction unitRef="number" contextRef="c-6924" decimals="4" name="san:DecreaseInNonPerformingLoansRatio" scale="-4" id="f-16699">29</ix:nonFraction> bps, compared to 31 December 2024, mainly due to by portfolio sales, although credit risk registered an increase of <ix:nonFraction unitRef="number" contextRef="c-6924" decimals="3" name="san:IncreaseDecreaseInResidentialMortgageCreditRiskPercentage" scale="-2" id="f-16700">1.2</ix:nonFraction>% compared to December 2024.</span></div><div style="margin-bottom:9pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The mortgage portfolio for the acquisition of homes in Spain is characterised by its medium-low risk profile, which limits expectations of any potential additional impairment: </span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Principal is repaid on all mortgages from the start. </span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">High quality of collateral, concentrated almost exclusively in financing for first homes. </span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The average affordability rate is r</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">educe to <ix:nonFraction unitRef="number" contextRef="c-6924" decimals="2" name="san:DebtToIncomeRatio" scale="-2" id="f-16701">22</ix:nonFraction>% (</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"><ix:nonFraction unitRef="number" contextRef="c-6925" decimals="2" name="san:DebtToIncomeRatio" scale="-2" id="f-16702">24</ix:nonFraction>% and <ix:nonFraction unitRef="number" contextRef="c-6926" decimals="2" name="san:DebtToIncomeRatio" scale="-2" id="f-16703">24</ix:nonFraction>% in 2024 and 2023, respectively). </span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The <ix:nonFraction unitRef="number" contextRef="c-6927" decimals="2" name="san:PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent" scale="-2" id="f-16704">94</ix:nonFraction>% of the portfolio has a LTV below <ix:nonFraction unitRef="number" contextRef="c-6928" decimals="2" name="san:LoanToValueRatio" scale="-2" id="f-16705">80</ix:nonFraction>% calculated as total risk/latest available house appraisal.</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">All customers applying for a residential mortgage are subject to a rigorous credit risk and viability assessment, analysing whether their income is sufficient to meet all repayments and will remain stable over the term of the loan.</span></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsExplanatory" id="f-16706" continuedAt="f-16706-1" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Breakdown of the credit with mortgage guarantee to households for house acquisition, according to the percentage that the total risk represents on the amount of the latest available valuation (loan to value):</span></div></ix:nonNumeric></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><ix:continuation id="f-16706-1" continuedAt="f-16706-2"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.131%"><tr><td style="width:1.0%"/><td style="width:31.735%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.094%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.094%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.094%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.094%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.094%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.095%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan to value ratio</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Less than or equal&#160;to&#160;40%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than 40% and less than 60%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than 60% and less than 80%</span></td><td 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gross amount</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6929" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16707">17,191</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6930" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16708">20,310</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6931" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16709">18,811</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6932" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16710">2,812</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6933" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16711">663</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6911" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16712">59,787</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which impaired</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6934" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16713">122</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6935" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16714">158</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6936" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16715">151</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6937" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16716">84</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6938" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16717">103</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6912" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16718">618</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In November 2022, Royal Decree-Law 19/2022 was published, which establishes a Code of Good Practices in response to the rise in interest rates on mortgage loans for primary residences and Royal Decree-Law 6/2012 of protection measures for mortgage debtors without resources. The code of good practices is focused on granting capital grace periods and extending the term of the operations. The requests made have not been significant.</span></div><div style="margin-bottom:1pt;margin-top:9pt"><span id="i76e56646c05d43bb9e986927c7275787"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Corporate &amp; SME financing</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:130%">Credit risk with SME </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">and corporates in commercial banking amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-6939" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-16719">99,395</ix:nonFraction>&#160;million, lower than December 2024, mainly due to the fall in the portfolio of SMEs of <ix:nonFraction unitRef="number" contextRef="c-6940" decimals="3" sign="-" name="san:IncreaseDecreaseInPortfolioOfSME" scale="-2" id="f-16720">10.1</ix:nonFraction>%. This portfolio accounting for <ix:nonFraction unitRef="number" contextRef="c-6939" decimals="2" name="san:PercentageOfTotalPortfolioAtRisk" scale="-2" id="f-16721">33</ix:nonFraction>% of the total, compared to <ix:nonFraction unitRef="number" contextRef="c-6941" decimals="2" name="san:PercentageOfTotalPortfolioAtRisk" scale="-2" id="f-16722">41</ix:nonFraction>% of CIB's portfolio, which from 2022 includes branches in Europe. </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:130%">Most of the portfolio corresponds to clients who have been assigned a credit analyst, who performs continuous management of said clients during all phases of the risk cycle. The portfolio is broadly diversified and not concentrated by sector of activity. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The ICO loans that were granted as a result of the pandemic (<ix:nonFraction unitRef="eur" contextRef="c-307" decimals="-6" name="san:ICOLoanGrantedAsResultOfThePandemic" format="ixt:num-dot-decimal" scale="6" id="f-16723">25,428</ix:nonFraction>&#160;million euros) are being repaid normally and there is a balance of EUR <ix:nonFraction unitRef="eur" contextRef="c-307" decimals="-6" name="san:ICOLoanPandemic" format="ixt:num-dot-decimal" scale="6" id="f-16724">10,857</ix:nonFraction>&#160;million, so they now represent only around <ix:nonFraction unitRef="number" contextRef="c-307" decimals="3" name="san:ICOLoansPercentageOfTotalPortfolio" scale="-2" id="f-16725">3.6</ix:nonFraction>% of Santander Spain's total portfolio. During 2025, Santander Spain maintained its support and close engagement with SMEs and the self-employed through the various support lines, which were significantly less material than the post-pandemic programmes (L&#237;neas ICO Empresas y Emprendedores, L&#237;nea ICO Internacional y Rehabilitaci&#243;n de vivienda).</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:130%">In the case of delinquent operations with ICO guarantee, the transfer of the overdue guaranteed amounts will take place as the guarantee is executed, regardless of whether the guarantor is subrogated to the right to receive said amounts, according to the regulation of these guarantees. The de-recognition of the transferred guaranteed amounts will entail the recognition, at its fair value, of a collection right against the guarantor.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">345</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-328"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-25" continuedAt="f-16225-26"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The portfol</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">io&#8217;s NPL ratio stood at <ix:nonFraction unitRef="number" contextRef="c-6939" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16726">4.10</ix:nonFraction>% in December 2025. The NPL ratio decreased by <ix:nonFraction unitRef="number" contextRef="c-6940" decimals="4" name="san:DecreaseInNonPerformingRatioPercent" scale="-4" id="f-16727">97</ix:nonFraction> bps compar</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ed to December 2024, largely due to a proactive effort to reduce the stock of NPLs in the SME portfolio, through proactive management of non-performing exposures supported by portfolio sales and the management of specific cases.</span></div><div style="margin-bottom:3pt"><span id="i5b5d85114d1f4520bdab92ac51570ce8"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Real estate activity</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Santander has specialized teams that are in charge of managing real estate business production and risk areas that cover the entire life cycle of these operations.</span></div><div><span><br/></span></div><ix:continuation id="f-2827-3" continuedAt="f-2827-4"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in gross property development loans to customers were 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:99.782%"><tr><td style="width:1.0%"/><td style="width:40.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.346%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="9" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at beginning of year</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6942" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16728">2,545</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6943" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16729">2,433</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6944" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16730">2,327</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Foreclosed assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6945" decimals="-6" name="san:DecreaseThroughForeclosure" format="ixt:fixed-zero" scale="6" id="f-16731">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6946" decimals="-6" name="san:DecreaseThroughForeclosure" format="ixt:fixed-zero" scale="6" id="f-16732">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6947" decimals="-6" name="san:DecreaseThroughForeclosure" scale="6" id="f-16733">1</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net variation</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6945" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-16734">441</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6946" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-16735">112</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6947" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-16736">115</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Written-off assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6945" decimals="-6" name="san:DecreaseThroughWriteoffFinancialAsset" scale="6" id="f-16737">2</ix:nonFraction>)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6946" decimals="-6" name="san:DecreaseThroughWriteoffFinancialAsset" format="ixt:fixed-zero" scale="6" id="f-16738">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-6947" decimals="-6" name="san:DecreaseThroughWriteoffFinancialAsset" scale="6" id="f-16739">8</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at end of year</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6948" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16740">2,984</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6942" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16741">2,545</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6943" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16742">2,433</ix:nonFraction></span></td></tr></table></div></ix:continuation><div style="margin-bottom:12pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></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:130%">The NPL ratio of this portfolio (considering only the on balance amount) ended the year at <ix:nonFraction unitRef="number" contextRef="c-6949" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16743">1.04</ix:nonFraction>% (compared with </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:130%"><ix:nonFraction unitRef="number" contextRef="c-6950" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16744">2.28</ix:nonFraction>%</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> and <ix:nonFraction unitRef="number" contextRef="c-6951" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16745">3.04</ix:nonFraction>% at December 2024 and 2023, respectively) . The table below shows the distribution of the portfolio. The coverage ratio of the real estate doubtful exposure in Spain stands at <ix:nonFraction unitRef="number" contextRef="c-6949" decimals="4" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16746">35.48</ix:nonFraction>% (<ix:nonFraction unitRef="number" contextRef="c-6950" decimals="4" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16747">36.21</ix:nonFraction>% and <ix:nonFraction unitRef="number" contextRef="c-6951" decimals="4" name="san:NonPerformingCoverageRatio" scale="-2" id="f-16748">39.19</ix:nonFraction>% in 2024 and 2023, respectively).</span></div><ix:continuation id="f-2177-3" continuedAt="f-2177-4"><div style="margin-bottom:9pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:25.443%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.282%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.591%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.284%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Excess of gross exposure over maximum recoverable amount of effective collateral</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Specific allowance</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financing for construction and property development (including land) (business in Spain)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6952" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16749">2,984</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6948" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" scale="6" id="f-16750">211</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6953" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16751">17</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Of which impaired</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6954" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16752">31</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6949" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-16753">&#8212;</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6955" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16754">11</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Memorandum items written-off assets</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6954" decimals="-6" name="ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" scale="6" id="f-16755">240</ix:nonFraction></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></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:99.782%"><tr><td style="width:1.0%"/><td style="width:69.579%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:28.221%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Memorandum&#160;items:&#160;Data&#160;from&#160;the&#160;public&#160;consolidated&#160;balance&#160;sheet</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Carrying amount</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6956" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-16756">240,609</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total consolidated assets (Total business) (Book value)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-307" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-16757">1,867,515</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment losses and credit risk allowances. Coverage for unimpaired assets (business in Spain)</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6957" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16758">1,086</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-16706-2" continuedAt="f-16706-3"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At year-end, the distribution of this portfolio was 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:99.782%"><tr><td style="width:1.0%"/><td style="width:67.109%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:30.691%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans: gross amount</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1. Without mortgage guarantee</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6958" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16759">14</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2. With mortgage guarantee</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6959" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16760">2,970</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.1 Completed buildings</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6960" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16761">976</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.1.1 Residential</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6961" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16762">658</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.1.2 Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6962" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16763">318</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.2 Buildings and other constructions under construction</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6963" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16764">1,981</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.2.1 Residential</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6964" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16765">1,913</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.2.2 Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6965" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16766">68</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3 Land</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6966" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16767">13</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3.1 Developed consolidated land</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6967" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16768">9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3.2 Other land</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6968" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-16769">4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6969" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16770">2,984</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div></ix:continuation><div style="margin-bottom:3pt;margin-top:9pt"><span id="i73e343b4e922455ea8f466c0a3d17a0a"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Foreclosed properties</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025, the net balance of these assets amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-6970" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-16771">1,898</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-6971" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-16772">2,131</ix:nonFraction>&#160;million and EUR <ix:nonFraction unitRef="eur" contextRef="c-6972" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-16773">2,448</ix:nonFraction>&#160;million at 31 December 2024 and 2023, respectively), gross amount of EUR <ix:nonFraction unitRef="eur" contextRef="c-6973" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-16774">4,258</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-6974" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-16775">4,823</ix:nonFraction>&#160;million and EUR <ix:nonFraction unitRef="eur" contextRef="c-6975" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-16776">5,506</ix:nonFraction>&#160;million at 31 December 2024 and 2023, respectively); recognised allowance of EUR <ix:nonFraction unitRef="eur" contextRef="c-6976" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-16777">2,360</ix:nonFraction> million (EUR <ix:nonFraction unitRef="eur" contextRef="c-6977" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-16778">2,692</ix:nonFraction>&#160;million and EUR <ix:nonFraction unitRef="eur" contextRef="c-6978" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-16779">3,058</ix:nonFraction>&#160;million at 31 December 2024 and 2023, respectively).</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">346</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-329"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-26" continuedAt="f-16225-27"><ix:continuation id="f-2177-4" continuedAt="f-2177-5"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table shows the detail of the assets foreclosed by the businesses in Spain at the end of 2025:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:50.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Valuation adjustments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which impairment losses on assets since time of foreclosure</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net Carrying amount</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Property assets arising from financing provided to construction and property development companies</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6979" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-16780">3,843</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6980" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-16781">2,144</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6981" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-16782">1,591</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6982" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-16783">1,699</ix:nonFraction></span><span style="color:#000000;font-family:'Santander 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format="ixt:num-dot-decimal" scale="6" id="f-16830">1,746</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-6970" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-16831">1,898</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, the Group has shareholdings in entities holding foreclosed assets amounting to EUR <ix:nonFraction unitRef="eur" contextRef="c-6970" decimals="-6" name="ifrs-full:InvestmentAccountedForUsingEquityMethod" scale="6" id="f-16832">36</ix:nonFraction>&#160;million and equity instruments foreclosed or received in payment of debts amounting to EUR <ix:nonFraction unitRef="eur" contextRef="c-7028" decimals="-6" name="ifrs-full:InvestmentAccountedForUsingEquityMethod" scale="6" id="f-16833">10</ix:nonFraction>&#160;million.</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:130%">In recent years, the Group has considered foreclosure to be an option to resolve cases of default instead of legal proceedings. The Group initially recognises foreclosed assets at the lower of the carrying amount of the debt (net of provisions) and the fair value of the foreclosed asset (less estimated costs to sell). Subsequent to initial recognition, the assets are measured at the lower of fair value (less costs to sell) and the amount initially recognised.</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:130%">The fair value of this type of assets is determined by the market value (appraisal) adjusted with discounts obtained according to internal valuation methodologies based on the entity's sales experience in goods with similar characteristics.</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:130%">The management of real estate assets on the balance sheet is carried out through companies specializing in the sale of real estate that is complemented by the structure of the commercial network. The sale is realised with at prices in accordance with the market situation and the offer of wholesale buyers.</span></div><ix:continuation id="f-2827-4"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The gross movement in foreclosed properties were as follows (EUR billion):</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:38.097%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.579%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.961%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.963%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR Billion</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span 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name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="9" id="f-16835">0.1</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7031" decimals="-8" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="9" id="f-16836">0.3</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander 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id="f-16839">1.2</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Difference</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7029" decimals="-8" sign="-" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="9" id="f-16840">0.6</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" 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id="f-16842">0.9</ix:nonFraction>)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span id="ic91246279d434dd19dbc9742b92192db"></span><span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Information on the estimation of impairment losses</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:130%">The detail of Santander Spain exposure and loan-loss reserves associated with each of the stages at 31 December, 2025, 2024 and 2023, is shown below.<ix:continuation id="f-16430-4" continuedAt="f-16430-5"> In addition, the exposure is divided in <ix:nonFraction unitRef="tranches" contextRef="c-307" decimals="INF" name="san:ExposureToCreditRiskNumberOfTranches" format="ixt-sec:numwordsen" scale="0" id="f-16843">four</ix:nonFraction> tranches of the Standard &amp; Poor's rating scale, according to their current credit quality:</ix:continuation></span></div><ix:continuation id="f-16430-5" continuedAt="f-16430-6"><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:30.998%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.877%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7032" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16844">35,407</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7033" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-16845">171</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7034" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16846">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7035" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16847">35,578</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7036" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16848">109,001</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7037" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16849">1,453</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7038" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16850">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7039" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16851">110,454</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7040" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16852">37,089</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7041" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16853">8,262</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7042" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16854">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7043" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16855">45,351</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7044" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16856">2,189</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7045" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16857">1,680</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7046" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16858">5,761</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7047" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16859">9,630</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7048" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16860">183,686</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7049" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16861">11,566</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7050" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16862">5,761</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-307" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16863">201,013</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7051" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16864">382</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7052" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16865">483</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7053" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16866">2,204</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7054" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16867">3,069</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:30.998%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.877%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td><td colspan="3" style="display:none"/></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7055" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16868">35,347</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7056" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-16869">110</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7057" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16870">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7058" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16871">35,457</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7059" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16872">104,197</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7060" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16873">1,124</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7061" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16874">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7062" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16875">105,321</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7063" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16876">37,413</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7064" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16877">8,844</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7065" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16878">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7066" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16879">46,257</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7067" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16880">2,084</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7068" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16881">3,199</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7069" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16882">6,618</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7070" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16883">11,901</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7071" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16884">179,041</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7072" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16885">13,277</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7073" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16886">6,618</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2491" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16887">198,936</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7074" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16888">340</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7075" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16889">570</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7076" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16890">2,953</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7077" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16891">3,863</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">&#160;&#160;&#160;&#160;</span></div></ix:continuation></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">347</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-330"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-27" continuedAt="f-16225-28"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-16430-6" continuedAt="f-16430-7"><div style="margin-bottom:3pt;padding-left:11.34pt;text-indent:-11.34pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:30.998%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.877%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7078" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16892">46,827</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7079" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-16893">48</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="c-7080" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-16894"></ix:nonFraction></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7081" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16895">46,875</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7082" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16896">101,079</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7083" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-16897">780</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="c-7084" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-16898"></ix:nonFraction></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7085" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16899">101,859</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7086" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16900">33,905</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7087" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16901">9,789</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"><ix:nonFraction unitRef="eur" contextRef="c-7088" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-16902"></ix:nonFraction></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7089" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16903">43,694</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7090" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16904">1,513</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7091" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16905">4,517</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7092" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16906">7,536</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #A6A6A6;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7093" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16907">13,566</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16910">7,536</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2492" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16911">205,994</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7097" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16912">300</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7098" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16913">663</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7099" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16914">2,959</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7100" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-16915">3,922</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Detail of credit quality ratings calculated for Group management purposes. Excluding the SCIB branches business</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:5.48pt">Total exposure includes loan balances (drawn amounts) and off balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.7pt">Includes provisions for undrawn authorized lines </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:115%">(loan commitments).</span></div></ix:continuation><div><span><br/></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:130%">For the estimation of the expected losses, the prospective information is taken into account. Specifically, Santander Spain considers three macroeconomic scenarios, which are updated periodically. <ix:continuation id="f-16617-2" continuedAt="f-16617-3">The projected evolution for a period of <ix:nonNumeric contextRef="c-2505" name="san:EvolutionProjectionPeriod" format="ixt-sec:durwordsen" id="f-16916">five years</ix:nonNumeric> of the main macroeconomic indicators used by Santander Spain for estimating expected losses as of 2025, is presented below:</ix:continuation></span></div><ix:continuation id="f-16617-3" continuedAt="f-16617-4"><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:38.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.961%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.961%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.964%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2026-2030</span></div></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Variables</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Base scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Optimistic scenario&#160;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7101" decimals="3" name="san:EstimationOfExpectedLossesInterestRate" scale="-2" id="f-16917">2.7</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7102" decimals="3" name="san:EstimationOfExpectedLossesInterestRate" scale="-2" id="f-16918">2.5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7103" decimals="3" name="san:EstimationOfExpectedLossesInterestRate" scale="-2" id="f-16919">2.3</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Unemployment rate</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7101" decimals="3" name="san:EstimationOfExpectedLossesUnemploymentRate" scale="-2" id="f-16920">12.1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7102" decimals="3" name="san:EstimationOfExpectedLossesUnemploymentRate" scale="-2" id="f-16921">9.7</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7103" decimals="3" name="san:EstimationOfExpectedLossesUnemploymentRate" scale="-2" id="f-16922">8.2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt 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2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7102" decimals="3" name="san:EstimationOfExpectedLossesHousingPriceChangeRate" scale="-2" id="f-16924">4.1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7103" decimals="3" name="san:EstimationOfExpectedLossesHousingPriceChangeRate" scale="-2" id="f-16925">4.7</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">GDP growth</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7101" decimals="3" name="san:EstimationOfExpectedLossesGDPGrowthRate" scale="-2" id="f-16926">0.2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7102" decimals="3" name="san:EstimationOfExpectedLossesGDPGrowthRate" scale="-2" id="f-16927">1.6</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7103" decimals="3" name="san:EstimationOfExpectedLossesGDPGrowthRate" scale="-2" id="f-16928">2.4</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Each macroeconomic scenarios is associated with a given weight. <ix:continuation id="f-16635-2" continuedAt="f-16635-3">As for its allocation, Santander Spain associates the Base scenario with the highest weight, while associating the lower weights to the most extreme scenarios:</ix:continuation></span></div><ix:continuation id="f-16635-3" continuedAt="f-16635-4"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:36.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.579%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.579%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.580%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7101" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16929">30</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7104" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16930">30</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7105" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16931">30</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Base scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7102" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16932">40</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7106" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16933">40</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7107" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16934">40</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Optimistic scenario&#160;1</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7108" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16935">30</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7109" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16936">30</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7110" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-16937">30</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></div></ix:continuation><ix:continuation id="f-16651-1" continuedAt="f-16651-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios, at December 31 2025, 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:99.782%"><tr><td style="width:1.0%"/><td style="width:44.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.494%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change in Provision</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mortgages</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporates</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Others</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">GDP Growth</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7111" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" scale="-2" id="f-16938">8.5</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7112" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" scale="-2" id="f-16939">1.1</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-307" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" scale="-2" id="f-16940">2.1</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7111" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" scale="-2" id="f-16941">3.6</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7112" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" scale="-2" id="f-16942">0.9</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-307" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" scale="-2" id="f-16943">1.9</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Housing price change</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7111" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate" scale="-2" id="f-16944">8.4</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7112" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate" scale="-2" id="f-16945">1.5</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-307" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate" scale="-2" id="f-16946">3.4</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7111" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate" scale="-2" id="f-16947">6.7</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7112" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate" scale="-2" id="f-16948">0.7</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-307" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate" scale="-2" id="f-16949">1.8</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Unemployment rate</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7111" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" scale="-2" id="f-16950">6.0</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7112" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" scale="-2" id="f-16951">1.5</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-307" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" scale="-2" id="f-16952">3.7</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7111" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" scale="-2" id="f-16953">14.7</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7112" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" scale="-2" id="f-16954">1.8</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-307" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" scale="-2" id="f-16955">4.7</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">To determine Stage 2 classification, Santander Spain applies quantitative criteria based on identifying increases in the lifetime PD of an exposure above a relative or absolute threshold. The threshold differs by portfolio depending on the characteristics of the exposures, and an exposure is considered to exceed the threshold when its lifetime PD increases by a set amount compared with the PD at initial recognition. Santander Spain calibrates these thresholds periodically, as described in previous paragraphs. In addition, Santander Spain applies a backstop to the relative threshold across all portfolios. As a result, Santander Spain classifies contracts as Stage 2 when their current PD has increased by more than two times compared with the PD at origination.</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:130%">Santander Spain also considers specific qualitative criteria that indicate a significant increase in credit risk, regardless of how the PD has evolved since initial recognition. Among other criteria, Santander Spain considers that an exposure shows a significant increase in credit risk when it is more than <ix:nonNumeric contextRef="c-2505" name="san:MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk" format="ixt-sec:durday" id="f-16956">30</ix:nonNumeric> days past due or when its early warning system so determines.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#160;&#160;&#160;&#160;</span></div><div style="margin-bottom:1pt;margin-top:9pt"><span id="i2e02ef57652046028c93695d51ae9a81"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">3.3. United States</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="if26b2549cb584194874d1466f23f0ad2"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Portfolio overview</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Santander US&#8217;s credit risk stood at EUR <ix:nonFraction unitRef="eur" contextRef="c-7113" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-16957">148,488</ix:nonFraction>&#160;million at the end of December 2025. It makes up <ix:nonFraction unitRef="number" contextRef="c-7114" decimals="3" name="san:CreditExposurePercentage" scale="-2" id="f-16958">12.8</ix:nonFraction>% of Grupo Santander's total credit risk.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The NPL ratio grew to <ix:nonFraction unitRef="number" contextRef="c-7113" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16959">4.82</ix:nonFraction>% (+<ix:nonFraction unitRef="number" contextRef="c-7115" decimals="4" name="san:IncreaseInNonPerformingLoansRatio" scale="-4" id="f-16960">14</ix:nonFraction> bps in the year) due to a higher stock of delinquencies and lower portfolio growth, and the cost of risk decreased to <ix:nonFraction unitRef="number" contextRef="c-7113" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16961">1.62</ix:nonFraction>% (-<ix:nonFraction unitRef="number" contextRef="c-7115" decimals="4" sign="-" name="san:PercentageOfIncreaseDecreaseInCostOfCredit" scale="-4" id="f-16962">20</ix:nonFraction> bps in the year).</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:130%">Santander US includes the following business units:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="id15354824f864207beb4082cd152651a"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Santander Bank, National Association (SBNA)</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:130%">In 20</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">25 lending amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-7116" decimals="-6" name="san:ExposureToCreditRiskLendingGuaranteesAndDocumentaryCredits" format="ixt:num-dot-decimal" scale="6" id="f-16963">46,677</ix:nonFraction>&#160;million (representing <ix:nonFraction unitRef="number" contextRef="c-7117" decimals="2" name="san:LendingCreditRiskPercentageOfGroup" scale="-2" id="f-16964">4</ix:nonFraction>% of the Group's credit risk) and presents a reduction of <ix:nonFraction unitRef="number" contextRef="c-7117" decimals="2" sign="-" name="san:IncreaseDecreaseInLendingPercentage" scale="-2" id="f-16965">15</ix:nonFraction>% in 2025, mainly due to the transfer of the CIB portfolio to the New York branch. </span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The NPL ratio increased to <ix:nonFraction unitRef="number" contextRef="c-7116" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-16966">2.60</ix:nonFraction>% (+<ix:nonFraction unitRef="number" contextRef="c-7117" decimals="4" name="san:IncreaseInNonPerformingLoansRatio" scale="-4" id="f-16967">44</ix:nonFraction> bps vs December 2024, while the cost of risk remained flat at <ix:nonFraction unitRef="number" contextRef="c-7116" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-16968">0.93</ix:nonFraction>%.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Activity in the individuals segment is primarily focused on auto financing and leasing, as well as credit card origination. During 2025, the teams continued to develop the operating and systems capabilities that will enable the asset product offering to be expanded in the future through the Openbank brand.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The Commercial segment comprises <ix:nonFraction unitRef="line_of_business" contextRef="c-2" decimals="0" name="san:NumberOfBusinessLinesCommercialSegment" format="ixt-sec:numwordsen" scale="0" id="f-16969">seven</ix:nonFraction> business lines, including Commercial Real Estate, Santander Real Estate Capital, Commercial Equipment Vehicle Finance, and Commercial and Industrial. The portfolio shows a slight downward trend in exposure, driven, on the one hand, by a strategy that prioritises risk-adjusted profitability over volume growth and, on the other, by the gradual run-down of the real estate and dealer portfolios.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The credit risk profile of the Commercial Real Estate and dealer portfolios shows some deterioration, mainly due to structural uncertainties affecting these sectors, as well as the impact of an interest-rate environment that remains elevated and developments in commercial and tariff policies, which continue to weigh on the financial capacity of certain customers.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">348</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-331"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-28" continuedAt="f-16225-29"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i8154971781d0462fb41ba34dadcbbcfd"></span><span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Information on the estimation of impairment losses </span></div><ix:continuation id="f-16430-7" continuedAt="f-16430-8"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Santander Bank, National Association exposure and loan-loss reserves associated with each of the stages at 31 December, 2025, 2024 and 2023 is shown below. In addition, the exposure is divided in <ix:nonFraction unitRef="tranches" contextRef="c-7118" decimals="INF" name="san:ExposureToCreditRiskNumberOfTranches" format="ixt-sec:numwordsen" scale="0" id="f-16970">four</ix:nonFraction> tranches of the Standard &amp; Poor's rating scale, according to their current credit quality:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:34.085%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.950%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7119" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16971">1,622</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7120" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-16972">24</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7121" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16973">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7122" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16974">1,646</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7123" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16975">7,352</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7124" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-16976">728</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7125" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16977">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7126" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16978">8,080</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7127" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16979">28,758</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7128" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16980">4,459</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7129" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16981">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7130" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16982">33,217</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7131" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-16983">779</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7132" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-16984">861</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7133" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16985">1,158</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7134" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16986">2,798</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7135" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16987">38,511</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7136" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16988">6,072</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7137" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16989">1,158</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7116" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16990">45,741</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7138" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16991">277</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7139" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16992">325</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7140" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16993">202</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7141" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-16994">804</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:34.085%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.950%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7142" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16995">4,215</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7143" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-16996">277</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7144" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-16997">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7145" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16998">4,492</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7146" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-16999">21,422</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7147" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-17000">930</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7148" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17001">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7149" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17002">22,352</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7150" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17003">21,899</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7151" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17004">3,855</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7152" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17005">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7153" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17006">25,754</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7154" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-17007">33</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7155" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-17008">482</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7156" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17009">1,130</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7157" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17010">1,645</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7158" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17011">47,569</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7159" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17012">5,544</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7160" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17013">1,130</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7161" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17014">54,243</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7162" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-17015">292</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7163" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-17016">364</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7164" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-17017">182</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7165" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-17018">838</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="padding-left:9.07pt;text-indent:8.93pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">&#160;&#160;&#160;&#160;</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:34.085%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.950%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7166" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17019">4,834</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7169" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17022">4,910</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7170" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17023">20,468</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7171" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-17024">459</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7172" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17025">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7174" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17027">25,312</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7175" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17028">3,439</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt 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scale="6" id="f-17034">1,396</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7182" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17035">50,666</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7183" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17036">4,424</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid 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id="f-17038">55,984</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander 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#ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7189" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-17042">885</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Detail of credit quality ratings calculated for Group management purposes.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:5.48pt">Total exposure includes loan balances (drawn amounts) and off-balance (letters of credit + guarantees) and excludes REPO, FV portfolio, trading portfolio and undrawn commitments.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:5.7pt">Includes provisions for undrawn authorized lines (loan commitments).&#160;&#160;&#160;&#160;</span></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For the estimation of expected losses, prospective information is taken into account. Specifically, Santander Bank, National Association considers <ix:nonFraction unitRef="scenario" contextRef="c-7117" decimals="INF" name="san:NumberOfProspectiveMacroeconomicScenarios" format="ixt-sec:numwordsen" scale="0" id="f-17043">four</ix:nonFraction> macroeconomic scenarios, which are updated periodically. <ix:continuation id="f-16617-4" continuedAt="f-16617-5">The evolution projected in 2025 for a period of <ix:nonNumeric contextRef="c-7117" name="san:EvolutionProjectionPeriod" format="ixt-sec:durwordsen" id="f-17044">five years</ix:nonNumeric> of the main macroeconomic indicators used Santander Bank, National Association to estimate expected losses is presented below:</ix:continuation></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-16617-5" continuedAt="f-16617-6"><div style="padding-left:7.09pt;text-indent:-7.09pt"><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 style="width:29.976%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.053%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.053%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.592%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.826%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2026-2030</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Variables</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Base scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Optimistic scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate (annual averaged)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7190" decimals="3" name="san:EstimationOfExpectedLossesInterestRate" scale="-2" id="f-17045">1.8</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7191" decimals="3" name="san:EstimationOfExpectedLossesInterestRate" scale="-2" id="f-17046">2.6</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7192" decimals="3" name="san:EstimationOfExpectedLossesInterestRate" scale="-2" id="f-17047">3.2</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7193" decimals="3" name="san:EstimationOfExpectedLossesInterestRate" scale="-2" id="f-17048">3.0</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Unemployment rate</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7190" decimals="3" name="san:EstimationOfExpectedLossesUnemploymentRate" scale="-2" id="f-17049">6.4</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7191" decimals="3" name="san:EstimationOfExpectedLossesUnemploymentRate" scale="-2" id="f-17050">5.0</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7192" decimals="3" name="san:EstimationOfExpectedLossesUnemploymentRate" scale="-2" id="f-17051">4.2</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7193" decimals="3" name="san:EstimationOfExpectedLossesUnemploymentRate" scale="-2" id="f-17052">3.7</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">House price change</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7190" decimals="3" name="san:EstimationOfExpectedLossesHousingPriceChangeRate" scale="-2" id="f-17053">0.2</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7191" decimals="3" name="san:EstimationOfExpectedLossesHousingPriceChangeRate" scale="-2" id="f-17054">0.7</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7192" decimals="3" name="san:EstimationOfExpectedLossesHousingPriceChangeRate" scale="-2" id="f-17055">1.3</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7193" decimals="3" name="san:EstimationOfExpectedLossesHousingPriceChangeRate" scale="-2" id="f-17056">2.1</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">GDP growth</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7190" decimals="3" name="san:EstimationOfExpectedLossesGDPGrowthRate" scale="-2" id="f-17057">1.7</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7191" decimals="3" name="san:EstimationOfExpectedLossesGDPGrowthRate" scale="-2" id="f-17058">1.9</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7192" decimals="3" name="san:EstimationOfExpectedLossesGDPGrowthRate" scale="-2" id="f-17059">2.0</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7193" decimals="3" name="san:EstimationOfExpectedLossesGDPGrowthRate" scale="-2" id="f-17060">2.7</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Manheim growth</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7190" decimals="3" sign="-" name="san:EstimationOfExpectedLossesManheimGrowthRate" scale="-2" id="f-17061">0.6</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7191" decimals="3" sign="-" name="san:EstimationOfExpectedLossesManheimGrowthRate" scale="-2" id="f-17062">0.1</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7192" decimals="3" name="san:EstimationOfExpectedLossesManheimGrowthRate" scale="-2" id="f-17063">0.3</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7193" decimals="3" name="san:EstimationOfExpectedLossesManheimGrowthRate" scale="-2" id="f-17064">0.1</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. US used vehicle price car index. </span></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Each of the macroeconomic scenarios is associated with a given weight. <ix:continuation id="f-16635-4" continuedAt="f-16635-5">As for its allocation, Santander Bank, National Association associates the highest weighting to the Base scenario, while associates the lowest weightings to the most extreme scenarios:</ix:continuation></span></div><ix:continuation id="f-16635-5" continuedAt="f-16635-6"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:43.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.420%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario 2</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7190" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17065">18</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7194" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17066">18</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7195" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17067">18</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pessimistic scenario 1</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7191" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17068">20</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7196" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17069">20</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7197" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17070">20</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Base scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7192" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17071">33</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7198" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17072">33</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7199" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17073">33</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Optimistic scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7193" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17074">30</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7200" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17075">30</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7201" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17076">30</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></div></ix:continuation><ix:continuation id="f-16651-2" continuedAt="f-16651-3"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%">The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios as of 2025 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:99.782%"><tr><td style="width:1.0%"/><td style="width:32.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.123%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change in Provision</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mortgages</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporates</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Auto</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">GDP Growth</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7202" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" scale="-2" id="f-17077">13.6</ix:nonFraction>%</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7203" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" scale="-2" id="f-17078">10.9</ix:nonFraction>%</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7204" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" scale="-2" id="f-17079">2.8</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-7202" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" scale="-2" id="f-17080">10.6</ix:nonFraction>%)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-7203" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" scale="-2" id="f-17081">7.7</ix:nonFraction>%)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-7204" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" scale="-2" id="f-17082">2.0</ix:nonFraction>%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Housing price change</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7202" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate" scale="-2" id="f-17083">26.9</ix:nonFraction>%</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7203" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate" scale="-2" id="f-17084">18.7</ix:nonFraction>%</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7204" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate" scale="-2" id="f-17085">5.0</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-7202" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate" scale="-2" id="f-17086">12.9</ix:nonFraction>%)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-7203" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate" scale="-2" id="f-17087">9.3</ix:nonFraction>%)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-7204" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate" scale="-2" id="f-17088">2.5</ix:nonFraction>%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Unemployment rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-7202" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" scale="-2" id="f-17089">41.6</ix:nonFraction>%)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-7203" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" scale="-2" id="f-17090">25.9</ix:nonFraction>%)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="number" contextRef="c-7204" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" scale="-2" id="f-17091">7.9</ix:nonFraction>%)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7202" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" scale="-2" id="f-17092">53.9</ix:nonFraction>%</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7203" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" scale="-2" id="f-17093">39.5</ix:nonFraction>%</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7204" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" scale="-2" id="f-17094">11.8</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Manheim index</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7202" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex" format="ixt:fixed-zero" scale="-2" id="f-17095">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7203" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex" format="ixt:fixed-zero" scale="-2" id="f-17096">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7204" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex" scale="-2" id="f-17097">1.8</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7202" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex" format="ixt:fixed-zero" scale="-2" id="f-17098">&#8212;</ix:nonFraction>%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7203" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex" format="ixt:fixed-zero" scale="-2" id="f-17099">&#8212;</ix:nonFraction>%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7204" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex" scale="-2" id="f-17100">1.4</ix:nonFraction>%)</span></td></tr></table></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For the Stage 2 classification determination, this year SBNA implemented, within the Auto portfolio, a system based on the comparison of PD to determine whether there has been a significant increase in credit risk. SBNA set both relative and absolute thresholds, segmented by the customer&#8217;s credit profile, and also established a backstop to the relative threshold. As a result, SBNA will classify as Stage 2 those contracts whose current PD has increased by more than two times compared to their PD at origination.</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:130%">For the remaining retail portfolios, SBNA uses the FICO (Fair Isaac Corporation) score as a quantitative criterion as a proxy for PD, considering the score at origination and its current value, and setting different limits or cut-off points depending on each portfolio&#8217;s characteristics. A significant increase in risk requires changes in the score of around <ix:nonFraction unitRef="number" contextRef="c-7205" decimals="4" name="san:DeterminationOfStage2ClassificationThreshold" scale="-4" id="f-17101">120</ix:nonFraction> bps and <ix:nonFraction unitRef="number" contextRef="c-7206" decimals="4" name="san:DeterminationOfStage2ClassificationThreshold" scale="-4" id="f-17102">20</ix:nonFraction> bps.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">349</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-332"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-29" continuedAt="f-16225-30"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For wholesale portfolios, SBNA uses the transaction&#8217;s rating as a proxy for PD, considering the rating at origination and its current rating, and setting thresholds for different rating bands depending on each portfolio&#8217;s characteristics.</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:130%">In addition, SBNA defines specific qualitative criteria to identify exposures that have recorded a significant increase in credit risk. Among other criteria, Santander Bank, National Association considers that a transaction presents a significant increase in credit risk when it has arrears positions for more than <ix:nonNumeric contextRef="c-7117" name="san:MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk" format="ixt-sec:durday" id="f-17103">30</ix:nonNumeric> days or when a system of early warning indicators determines it. </span></div><div style="margin-bottom:3pt"><span id="i1754043d288244a78e4dea6543b5c2b2"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Santander Consumer USA Inc.</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:130%">Santander Consumer USA Inc. (SC USA) presents higher risk indicators than other Santander US units due to the nature of its business, which focuses on auto finance via loans and leasing.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025, lending amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-7207" decimals="-6" name="san:ExposureToCreditRiskLendingGuaranteesAndDocumentaryCredits" format="ixt:num-dot-decimal" scale="6" id="f-17104">25,318</ix:nonFraction>&#160;million (representing <ix:nonFraction unitRef="number" contextRef="c-7208" decimals="3" name="san:LendingCreditRiskPercentageOfGroup" scale="-2" id="f-17105">2.2</ix:nonFraction>% of the Group) and presents a decrease of <ix:nonFraction unitRef="number" contextRef="c-7208" decimals="3" sign="-" name="san:IncreaseDecreaseInLendingPercentage" scale="-2" id="f-17106">17.0</ix:nonFraction>% regarding December 2024.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Regarding the NPL ratio, it increased to <ix:nonFraction unitRef="number" contextRef="c-7207" decimals="4" name="san:NonPerformingRatio" scale="-2" id="f-17107">22.08</ix:nonFraction>% (+<ix:nonFraction unitRef="number" contextRef="c-7208" decimals="4" name="san:IncreaseInNonPerformingRatioPercent" scale="-4" id="f-17108">340</ix:nonFraction> bps in the year); and the cost of risk stood at <ix:nonFraction unitRef="number" contextRef="c-7207" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-17109">6.10</ix:nonFraction>% (-<ix:nonFraction unitRef="number" contextRef="c-7208" decimals="4" sign="-" name="san:PercentageOfIncreaseDecreaseInCostOfCredit" scale="-4" id="f-17110">50</ix:nonFraction> bps YoY).</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">NPL coverage ratio fell to <ix:nonFraction unitRef="number" contextRef="c-7207" decimals="2" name="san:NonPerformingCoverageRatio" scale="-2" id="f-17111">53</ix:nonFraction>% (-<ix:nonFraction unitRef="number" contextRef="c-7208" decimals="4" sign="-" name="san:IncreaseDecreaseInNonPerformingCoverageRatioPercent" scale="-4" id="f-17112">885</ix:nonFraction> pp in the year), in line with the percentages of transfers from default to bad debts, which are at historically low levels.</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:130%">The business focuses on optimising the profitability-to-risk relationship through pricing management aligned with each customer&#8217;s credit quality and each transaction, while also strengthening dealer processes and the dealer experience. 2025 was marked by uncertainty stemming from tariff policy and fiscal stimulus measures, as well as the end of the exclusivity agreement with Stellantis.</span></div><div style="margin-bottom:1pt;margin-top:9pt"><span id="i142c722429564a46b4f4255289b9272a"></span><span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Information on the estimation of impairment losses</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:130%">The detail of Santander Consumer USA Inc. exposure and loan-loss reserves associated with each of the stages at 31 December 2025, 2024 and 2023, is shown below. In addition, the exposure is divided in <ix:nonFraction unitRef="tranches" contextRef="c-7207" decimals="INF" name="san:ExposureToCreditRiskNumberOfTranches" format="ixt-sec:numwordsen" scale="0" id="f-17113">four</ix:nonFraction> tranches of the Standard &amp; Poor's rating scale, according to their current credit quality:</span></div><ix:continuation id="f-16430-8" continuedAt="f-16430-9"><div style="margin-bottom:3pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:33.467%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.259%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7209" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17114">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7210" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17115">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7211" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17116">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7212" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17117">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7213" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-17118">54</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7214" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17119">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7215" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17120">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7216" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-17121">54</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7217" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17122">10,167</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7218" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-17123">947</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7219" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17124">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7220" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17125">11,114</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7221" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17126">3,577</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7222" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17127">4,871</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7223" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17128">5,588</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7224" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17129">14,036</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7225" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17130">13,798</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7226" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17131">5,818</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7227" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17132">5,588</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7207" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17133">25,204</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7228" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-17134">419</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7229" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-17135">910</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7230" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17136">1,688</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7231" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17137">3,017</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-16430-9" continuedAt="f-16430-10"><div style="margin-bottom:3pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:33.467%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.259%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7232" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17138">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7233" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17139">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7234" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17140">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7235" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17141">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7236" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-17142">202</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7237" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17143">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7238" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17144">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7239" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-17145">202</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7240" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17146">12,802</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7241" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-17147">451</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7242" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17148">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7243" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17149">13,253</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7244" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17150">7,259</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7245" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17151">4,226</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7246" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17152">5,729</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7247" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17153">17,214</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7248" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17154">20,263</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7249" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17155">4,677</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7250" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17156">5,729</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7251" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17157">30,669</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7252" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-17158">630</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7253" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17159">1,006</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7254" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17160">1,908</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7255" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17161">3,544</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:33.467%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.259%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7256" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17162">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7257" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17163">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7258" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17164">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7259" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17165">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7260" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-17166">99</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7261" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-17167">0</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7262" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17168">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7263" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-17169">99</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7264" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17170">12,120</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7265" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-17171">395</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7266" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17172">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7267" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17173">12,515</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7268" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17174">6,754</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7269" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17175">4,237</ix:nonFraction></span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7270" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17176">5,272</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7271" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17177">16,263</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7272" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17178">18,973</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7273" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17179">4,632</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7274" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17180">5,272</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7275" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17181">28,877</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7276" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-17182">597</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7277" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17183">1,019</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7278" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17184">1,712</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7279" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17185">3,328</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Detail of credit quality ratings calculated for Group management purposes.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.23pt">Total exposure includes loan balances (drawn amounts) and off-balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.45pt">Includes provisions for undrawn authorized lines (loan commitments).</span></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For the expected losses estimation, prospective information should be taken into account. Specifically, SC USA considers <ix:nonFraction unitRef="scenario" contextRef="c-7208" decimals="INF" name="san:NumberOfProspectiveMacroeconomicScenarios" format="ixt-sec:numwordsen" scale="0" id="f-17186">four</ix:nonFraction> macroeconomic scenarios, periodically updated over a <ix:nonNumeric contextRef="c-7208" name="san:EvolutionProjectionPeriod" format="ixt-sec:duryear" id="f-17187">5</ix:nonNumeric>-year time horizon. </span></div><ix:continuation id="f-16617-6" continuedAt="f-16617-7"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The evolution forecasted in 2025 for a period of <ix:nonNumeric contextRef="c-7208" name="san:EvolutionProjectionPeriod" format="ixt-sec:durwordsen" id="f-17188">five years</ix:nonNumeric> of the main macroeconomic indicators used by in SC USA in the estimation of expected losses is shown below:</span></div><div><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 style="width:29.361%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.053%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.053%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.592%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.441%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2026-2030</span></div></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Variables</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Base scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Optimistic scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate (annual averaged)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7280" decimals="3" name="san:EstimationOfExpectedLossesInterestRate" scale="-2" id="f-17189">1.8</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7281" decimals="3" name="san:EstimationOfExpectedLossesInterestRate" scale="-2" id="f-17190">2.6</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7282" decimals="3" name="san:EstimationOfExpectedLossesInterestRate" scale="-2" id="f-17191">3.2</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7283" decimals="3" name="san:EstimationOfExpectedLossesInterestRate" scale="-2" id="f-17192">3.0</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Unemployment rate</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7280" decimals="3" name="san:EstimationOfExpectedLossesUnemploymentRate" scale="-2" id="f-17193">6.4</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7281" decimals="3" name="san:EstimationOfExpectedLossesUnemploymentRate" scale="-2" id="f-17194">5.0</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7282" decimals="3" name="san:EstimationOfExpectedLossesUnemploymentRate" scale="-2" id="f-17195">4.2</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7283" decimals="3" name="san:EstimationOfExpectedLossesUnemploymentRate" scale="-2" id="f-17196">3.7</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">House price change</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7280" decimals="3" name="san:EstimationOfExpectedLossesHousingPriceChangeRate" scale="-2" id="f-17197">0.2</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7281" decimals="3" name="san:EstimationOfExpectedLossesHousingPriceChangeRate" scale="-2" id="f-17198">0.7</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7282" decimals="3" name="san:EstimationOfExpectedLossesHousingPriceChangeRate" scale="-2" id="f-17199">1.3</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7283" decimals="3" name="san:EstimationOfExpectedLossesHousingPriceChangeRate" scale="-2" id="f-17200">2.1</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">GDP growth</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7280" decimals="3" name="san:EstimationOfExpectedLossesGDPGrowthRate" scale="-2" id="f-17201">1.7</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7281" decimals="3" name="san:EstimationOfExpectedLossesGDPGrowthRate" scale="-2" id="f-17202">1.9</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7282" decimals="3" name="san:EstimationOfExpectedLossesGDPGrowthRate" scale="-2" id="f-17203">2.0</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7283" decimals="3" name="san:EstimationOfExpectedLossesGDPGrowthRate" scale="-2" id="f-17204">2.7</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Manheim</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"> index</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7280" decimals="3" sign="-" name="san:EstimationOfExpectedLossesManheimIndex" scale="-2" id="f-17205">0.6</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7281" decimals="3" sign="-" name="san:EstimationOfExpectedLossesManheimIndex" scale="-2" id="f-17206">0.1</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7282" decimals="3" name="san:EstimationOfExpectedLossesManheimIndex" scale="-2" id="f-17207">0.3</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7283" decimals="3" name="san:EstimationOfExpectedLossesManheimIndex" scale="-2" id="f-17208">0.1</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. US used vehicle price car index. </span></div></ix:continuation><ix:continuation id="f-16635-6" continuedAt="f-16635-7"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Each of the macroeconomic scenarios is associated with a given weight. Santander Consumer USA Inc. associates the highest weighting to the Base scenario, whereas it associates the lowest weightings to the most extreme or acid scenarios:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:47.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.875%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.876%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario 2</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7280" decimals="3" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17209">18</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7284" decimals="3" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17210">18</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7285" decimals="3" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17211">18</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">Pessimistic scenario 1</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7281" decimals="3" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17212">20</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7286" decimals="3" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17213">20</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7287" decimals="3" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17214">20</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">Base scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7282" decimals="3" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17215">33</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7288" decimals="3" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17216">33</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7289" decimals="3" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17217">33</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">Optimistic scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7283" decimals="3" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17218">30</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7290" decimals="3" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17219">30</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7291" decimals="3" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17220">30</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></div></ix:continuation></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">350</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-333"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-30" continuedAt="f-16225-31"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-16651-3" continuedAt="f-16651-4"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios at the end of 2025 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:94.546%"><tr><td style="width:1.0%"/><td style="width:59.812%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:37.988%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change in provision</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">SC Auto</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Manheim index</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7292" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex" scale="-2" id="f-17221">1.0</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7292" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex" scale="-2" id="f-17222">0.8</ix:nonFraction>%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Unemployment Rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7292" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" scale="-2" id="f-17223">4.9</ix:nonFraction>%)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7292" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" scale="-2" id="f-17224">7.0</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">House Price Change</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7292" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate" scale="-2" id="f-17225">3.1</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7292" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate" scale="-2" id="f-17226">1.6</ix:nonFraction>%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">GDP&#160;growth</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7292" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" scale="-2" id="f-17227">1.7</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7292" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" scale="-2" id="f-17228">1.2</ix:nonFraction>%)</span></td></tr></table></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In relation to the Stage 2 classification determination, SC USA implemented a new system based on the comparison of PD at origination and current PD, replacing the previous approach based on the FICO (Fair Isaac Corporation) score. SC USA established a set of absolute and relative thresholds, segmented based on the customer&#8217;s credit profile. Finally, it introduced a backstop to the relative threshold whereby contracts whose current PD has increased by more than two times compared to their PD at origination are classified as Stage 2.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Additionally, for each portfolio, a series of specific qualitative criteria are defined, which indicate that the exposure has experienced a significant increase in credit risk, regardless of the evolution of its PD since the initial recognition. Among other criteria, the entity considers that a transaction has experienced a significant increase in credit risk when it has past-due positions for more than <ix:nonNumeric contextRef="c-7208" name="san:MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk" format="ixt-sec:durday" id="f-17229">30</ix:nonNumeric> days. These criteria align with the risk management practices of each portfolio.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ie44df5a8c6404d4990dfc7787a9e9f32"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">3.4. Banco Santander (Brasil) S.A.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="i04e7256ceeea478ba00640fcdab2e93c"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Portfolio overview</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Santander Brazil's credit risk amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-7293" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17230">118,546</ix:nonFraction>&#160;million, increasing <ix:nonFraction unitRef="number" contextRef="c-7294" decimals="3" name="san:IncreaseDecreaseInCreditRiskWithCustomersPercent" scale="-2" id="f-17231">2.5</ix:nonFraction>% in constant euros from 2024. Minus the exchange rate effect, it grew by <ix:nonFraction unitRef="number" contextRef="c-7294" decimals="3" name="san:PercentageIncreaseInCreditRiskExcludingExchangeRate" scale="-2" id="f-17232">2.0</ix:nonFraction>%. As of December 2025, Santander Brasil accounts for <ix:nonFraction unitRef="number" contextRef="c-7293" decimals="2" name="san:CreditExposurePercentage" scale="-2" id="f-17233">10</ix:nonFraction>% of Grupo Santander's loan book.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The NPL ratio went from <ix:nonFraction unitRef="number" contextRef="c-7295" decimals="4" name="san:NonPerformingLoansRatio" scale="-2" id="f-17234">6.10</ix:nonFraction>% in December 2024 to <ix:nonFraction unitRef="number" contextRef="c-7293" decimals="4" name="san:NonPerformingLoansRatio" scale="-2" id="f-17235">6.76</ix:nonFraction>% in December 2025, and the coverage ratio increased from <ix:nonFraction unitRef="number" contextRef="c-7295" decimals="3" name="san:NonPerformingCoverageRatio" scale="-2" id="f-17236">79.0</ix:nonFraction>% to <ix:nonFraction unitRef="number" contextRef="c-7293" decimals="3" name="san:NonPerformingCoverageRatio" scale="-2" id="f-17237">81.0</ix:nonFraction>%.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As of 31 December 2025 loan-loss provisions reached EUR <ix:nonFraction unitRef="eur" contextRef="c-7293" decimals="-6" name="san:NetLoanLossProvision" format="ixt:num-dot-decimal" scale="6" id="f-17238">4,409</ix:nonFraction>&#160;million, a <ix:nonFraction unitRef="number" contextRef="c-7294" decimals="3" sign="-" name="san:IncreaseDecreaseInProvisionForLoanLoss" scale="-2" id="f-17239">2</ix:nonFraction>% year-on-year decrease. Cost of risk increased from <ix:nonFraction unitRef="number" contextRef="c-7295" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-17240">4.03</ix:nonFraction>% in 2024 to <ix:nonFraction unitRef="number" contextRef="c-7293" decimals="4" name="san:CostOfRiskPercent" scale="-2" id="f-17241">4.17</ix:nonFraction>% in 2025.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2025, the Brazilian economy is moderating compared to the previous year. Several factors drive this performance: reduced fiscal support, a more restrictive monetary policy and a less favourable external environment.</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:130%">The labour market still shows resilience, which has helped prevent a sharp deterioration in household consumption. However, some indicators suggest that this labour-market momentum is starting to cool, with private-sector employment growth gradually easing.</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:130%">Inflation is expected to close the year at around 4.8%, with a trend towards further moderation in 2026. A moderate appreciation of the Brazilian real and weaker domestic demand contribute to this price moderation. The Brazilian real exchange rate remains a source of uncertainty, together with public debt sustainability and the need for fiscal adjustments to contain financial imbalances. From a sectoral perspective, the agricultural sector and certain industrial segments continue to provide relevant support, although the overall slowdown and the effects of tighter monetary conditions limit their contribution to aggregate growth.</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:130%">Against this backdrop, although Brazil retains a relatively solid base &#8212; a robust labour market and competitive export sectors &#8212;2025 is shaping up as a transition year, with the economy slowing and facing multiple structural challenges (inflation, exchange rate, debt and monetary policy) that condition its performance.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The retail segment (without Consumer Finance), which represents <ix:nonFraction unitRef="number" contextRef="c-7296" decimals="2" name="san:CreditExposurePercentage" scale="-2" id="f-17242">37</ix:nonFraction>% of Santander Brazil's total portfolio, mainly comprises mortgages and credit cards (<ix:nonFraction unitRef="number" contextRef="c-7297" decimals="2" name="san:CreditExposurePercentage" scale="-2" id="f-17243">29</ix:nonFraction>% and <ix:nonFraction unitRef="number" contextRef="c-7298" decimals="2" name="san:CreditExposurePercentage" scale="-2" id="f-17244">26</ix:nonFraction>% of the total portfolio, respectively). Thanks to the risk mitigation measures implemented in origination and portfolio management, cost of risk has been kept at 4.7%, despite the high SELIC rate and inflation running above the official target, which reduces individuals&#8217; repayment capacity.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In the SME segment, which represents 11% of total risk exposure, the Bank maintained the restrictive origination measures adopted in recent years, particularly for the higher-risk profiles with weaker performance. Teams continuously review and adjust strategies to keep credit quality within expected levels. Overall, they achieved this during the year, with an acceptable performance of new business indicators.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In Brazil&#8217;s corporate segment, 2025 was marked by an uncertain geopolitical backdrop and some weaknesses in the local economy, notably high interest rates that have affected the repayment capacity of more leveraged companies. In this environment, the portfolio&#8217;s growth slowed and NPL and cost of risk levels increased.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">351</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-334"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><ix:continuation id="f-16225-31" continuedAt="f-16225-32"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="id3adc8f7128045c78a12d72f7b6f3ea6"></span><span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Information on the estimation of impairment losses </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:130%">The detail of Banco Santander (Brasil) S.A. exposure and loan-loss reserves associated with each of the stages at 31 December 2025, 2024 and 2023, is shown below. In addition, the exposure is divided in <ix:nonFraction unitRef="tranches" contextRef="c-7299" decimals="INF" name="san:ExposureToCreditRiskNumberOfTranches" format="ixt-sec:numwordsen" scale="0" id="f-17245">four</ix:nonFraction> tranches of the Standard &amp; Poor's rating scale, according to their current credit quality: </span></div><ix:continuation id="f-16430-10"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:33.467%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.259%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="12" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7300" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17246">16,898</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7301" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17247">1,513</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7302" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17248">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7303" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17249">18,411</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7304" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17250">29,179</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7305" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17251">1,253</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7306" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17252">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7307" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17253">30,432</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7308" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17254">36,089</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7309" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17255">7,035</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7310" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17256">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7311" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17257">43,124</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7312" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17258">1,217</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7313" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17259">3,801</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7314" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17260">7,151</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7315" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17261">12,169</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7316" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17262">83,383</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7317" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17263">13,602</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7318" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17264">7,151</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7299" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17265">104,136</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7319" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-17266">648</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7320" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17267">1,128</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7321" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17268">4,216</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7322" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17269">5,992</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="margin-bottom:3pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:33.467%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.259%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7323" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17270">19,557</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7324" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-17271">970</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7325" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17272">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7326" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17273">20,527</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7327" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17274">32,824</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7328" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17275">1,637</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7329" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17276">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7330" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17277">34,461</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7331" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17278">33,655</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7332" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17279">5,285</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7333" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17280">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7334" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17281">38,940</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7335" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-17282">423</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7336" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17283">2,808</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7337" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17284">6,382</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7338" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17285">9,613</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7339" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17286">86,459</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7340" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17287">10,700</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7341" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17288">6,382</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7342" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17289">103,541</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7343" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-17290">687</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7344" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-17291">860</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7345" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17292">3,766</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7346" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17293">5,313</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="margin-bottom:3pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:33.467%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.258%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.259%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7347" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17294">20,670</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7348" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-17295">468</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7349" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17296">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7350" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17297">21,138</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7351" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17298">38,869</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7352" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-17299">751</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7353" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17300">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7354" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17301">39,620</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7355" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17302">36,107</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7356" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17303">4,177</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7357" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:fixed-zero" scale="6" id="f-17304">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7358" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17305">40,284</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7359" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17306">1,153</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7360" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17307">3,735</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7361" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17308">7,479</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7362" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17309">12,367</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7363" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17310">96,799</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7364" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17311">9,131</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-17313">113,409</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7367" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-17314">722</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7368" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17315">1,078</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7369" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17316">4,538</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7370" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17317">6,338</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="padding-left:7.09pt;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:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Detail of credit quality ratings calculated for Group management purposes.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.23pt">Total exposure includes loan balances (drawn amounts) and off-balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.45pt">Includes provisions for undrawn authorized lines (loan commitments).</span></div></ix:continuation><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For the expected losses estimation, prospective information is taken into account. Particularly, Santander Brazil considers <ix:nonFraction unitRef="scenario" contextRef="c-7294" decimals="INF" name="san:NumberOfProspectiveMacroeconomicScenarios" format="ixt-sec:numwordsen" scale="0" id="f-17318">three</ix:nonFraction> macroeconomic scenarios, periodically updated. <ix:continuation id="f-16617-7" continuedAt="f-16617-8">The evolution for a period of <ix:nonNumeric contextRef="c-7294" name="san:EvolutionProjectionPeriod" format="ixt-sec:durwordsen" id="f-17319">five years</ix:nonNumeric> of the main macroeconomic indicators used to estimate the expected losses in Santander Brazil is as follows:</ix:continuation></span></div></div></ix:continuation><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-16225-32" continuedAt="f-16225-33"><ix:continuation id="f-16617-8"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:36.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.579%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.579%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.580%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2026-2030</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Variables</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Pessimistic scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Base scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Optimistic scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate (annual averaged)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7371" decimals="3" name="san:EstimationOfExpectedLossesInterestRate" scale="-2" id="f-17320">11.5</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7372" decimals="3" name="san:EstimationOfExpectedLossesInterestRate" scale="-2" id="f-17321">10.9</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7373" decimals="3" name="san:EstimationOfExpectedLossesInterestRate" scale="-2" id="f-17322">10.3</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Unemployment rate</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7371" decimals="3" name="san:EstimationOfExpectedLossesUnemploymentRate" scale="-2" id="f-17323">8.0</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7372" decimals="3" name="san:EstimationOfExpectedLossesUnemploymentRate" scale="-2" id="f-17324">6.5</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7373" decimals="3" name="san:EstimationOfExpectedLossesUnemploymentRate" scale="-2" id="f-17325">5.4</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">House price change</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7371" decimals="3" name="san:EstimationOfExpectedLossesHousingPriceChangeRate" scale="-2" id="f-17326">1.1</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7372" decimals="3" name="san:EstimationOfExpectedLossesHousingPriceChangeRate" scale="-2" id="f-17327">5.9</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7373" decimals="3" name="san:EstimationOfExpectedLossesHousingPriceChangeRate" scale="-2" id="f-17328">10.3</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">GDP growth</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7371" decimals="3" sign="-" name="san:EstimationOfExpectedLossesGDPGrowthRate" scale="-2" id="f-17329">0.2</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7372" decimals="3" name="san:EstimationOfExpectedLossesGDPGrowthRate" scale="-2" id="f-17330">1.9</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7373" decimals="3" name="san:EstimationOfExpectedLossesGDPGrowthRate" scale="-2" id="f-17331">3.8</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Burden income</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7371" decimals="3" name="san:EstimationOfExpectedLossesBurdenIncomeRate" scale="-2" id="f-17332">27.0</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7372" decimals="3" name="san:EstimationOfExpectedLossesBurdenIncomeRate" scale="-2" id="f-17333">26.8</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7373" decimals="3" name="san:EstimationOfExpectedLossesBurdenIncomeRate" scale="-2" id="f-17334">26.1</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div></ix:continuation><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Each macroeconomic scenario is associated with a given weight. <ix:continuation id="f-16635-7" continuedAt="f-16635-8">Regarding its assignation, Brazil links the highest weight to the base scenario whilst links the lowest weights to the most extreme scenarios:</ix:continuation></span><ix:continuation id="f-16635-8"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:36.862%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.579%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.579%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.580%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7371" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17335">13</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7374" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17336">13</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7375" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17337">10</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Base scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7372" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17338">75</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7376" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17339">75</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7377" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17340">80</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Optimistic scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7373" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17341">13</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7378" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17342">13</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7379" decimals="2" name="san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" scale="-2" id="f-17343">10</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></ix:continuation></div><ix:continuation id="f-16651-4"><div style="margin-bottom:6pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios is at the end of 2025 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:99.782%"><tr><td style="width:1.0%"/><td style="width:40.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.346%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change in provision</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Individuals</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">SME</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">GDP growth</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7380" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" scale="-2" id="f-17344">1.3</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7381" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" scale="-2" id="f-17345">2.9</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7382" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" scale="-2" id="f-17346">2.6</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7380" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" scale="-2" id="f-17347">0.7</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7381" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" scale="-2" id="f-17348">1.3</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7382" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" scale="-2" id="f-17349">1.4</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Unemployment rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7380" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" scale="-2" id="f-17350">1.9</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7381" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" scale="-2" id="f-17351">3.8</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7382" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" scale="-2" id="f-17352">4.5</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7380" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" scale="-2" id="f-17353">2.8</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7381" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" scale="-2" id="f-17354">6.2</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7382" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" scale="-2" id="f-17355">6.3</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate (SELIC)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7380" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate" scale="-2" id="f-17356">0.6</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7381" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate" scale="-2" id="f-17357">1.6</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="number" contextRef="c-7382" decimals="3" sign="-" name="san:PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate" scale="-2" id="f-17358">0.9</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7380" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate" scale="-2" id="f-17359">1.7</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7381" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate" scale="-2" id="f-17360">4.0</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7382" decimals="3" name="san:PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate" scale="-2" id="f-17361">3.5</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div></ix:continuation><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Regarding the Stage 2 classification determination, Santander Brasil assesses whether the increase in lifetime PD over the expected life of the transaction exceeds the combined effect of an absolute and a relative threshold. These thresholds vary by portfolio, depending on the characteristics of the transactions. A transaction is deemed to breach the threshold when its lifetime PD increases by a specified amount compared to the PD recorded at initial recognition.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The absolute and relative threshold levels are recalibrated periodically and depend on the type of portfolio to which they apply. In addition, Santander Brasil has implemented a backstop to the relative threshold across all portfolios: contracts whose current PD doubles the PD at origination are automatically classified as Stage 2.</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1165"></div><div style="margin-bottom:3pt;margin-top:9pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">352</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-335"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-33" continuedAt="f-16225-34"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="ie6ab7dfbc6684d55b14fb3c5c57d9d34"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">4. Other credit risk aspects</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="ia571339575fb4b23b47fcaacd0c78874"></span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">4.1.&#160;Credit risk by activity in the financial markets</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:130%">This section covers credit risk from treasury, with money market financing and counterparty risk products to satisfy the needs of customers (especially credit institutions) and the Group. </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:130%">Counterparty credit risk is defined as the risk that could arise from a total or partial failure to meet the financial obligations entered into with the entity, because a customer may default before the final settlement of the transaction&#8217;s cash flows. This risk usually increases the longer the period between the trade date and the settlement date. It is a bilateral credit risk that can affect both parties to the transaction, and its magnitude is uncertain, as it depends on volatile market factors.</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:130%">Within counterparty credit risk exposure, an additional risk known as wrong-way risk may arise. It occurs when exposure to a portfolio or counterparty increases at the same time as its credit quality deteriorates. In other words, wrong-way risk exists when default risk increases and, as a result, the exposure to the counterparty also increases. Santander has specific models to measure and control this risk.</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:130%">Settlement risk arises when the settlement of a transaction involves a bilateral exchange of flows or assets between two counterparties. For example, when a counterparty buys dollars in exchange for euros, settlement involves one party delivering euros and receiving an equivalent amount of dollars from the other. Settlement risk is the risk that one of the parties fails to meet its settlement obligations. We have also developed a global infrastructure and specific models to measure this risk.</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:130%">To manage and control counterparty risk, it is essential to have an infrastructure that allows measuring current and potential exposure at different levels of aggregation and granularity in an agile and dynamic way, ensuring the generation of reports with sufficient detail to facilitate the understanding of exposures and the decision-making process.</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:130%">To measure exposure, Grupo Santander follows two methodologies: mark-to-market (MtM or replacement value in derivatives) plus potential future exposure (add-on), and Monte Carlo simulation for calculating exposure for some countries and products. Additionally, Santander calculates capital at risk or unexpected loss, which is the loss that constitutes economic capital net of guarantees and recoveries, after deducting the expected loss.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">After market close, Grupo Santander recalculates exposures by adjusting all operations to their new time horizon, adapting the potential future exposure and applying mitigation measures (netting, collateral, among others), so that exposures can be controlled daily against the limits approved by senior management within the risk appetite. Santander performs risk control through a real-time integrated system, which allows the Group to know at any moment the available exposure limit with any counterparty, in any product and term, and across all subsidiaries.</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:130%">Grupo Santander runs monthly stress tests on derivatives portfolios and securities financing transactions (SFT). These exercises form an integral part of the counterparty credit risk management process. They allow us to assess the resilience of exposures under adverse scenarios and support appropriate identification, measurement and control of the associated risks. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ia14b72992e6241e18c82a51eed39a19b"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">4.2.&#160;Concentration risk </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Concentration risk control is an essential aspect of Grupo Santander's management. The Group continuously monitors the level of concentration in its credit risk portfolios applying various criteria: geographic areas and countries, economic sectors and groups of customers.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The board, via the risk appetite framework, determines the maximum levels of concentration.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In line with these maximum levels and limits, the executive risk committee establishes the risk policies and reviews the appropriate exposure levels for the effective management of </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">the degree of concentration in Santander&#8217;s credit risk portfolios.</span></div><div style="margin-bottom:6pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander must adhere to the regulation on large risks contained in the CRR, according to which the exposure contracted by an entity with a customer or group of associated customers will be considered a large exposure when its value is equal to or greater than <ix:nonFraction unitRef="number" contextRef="c-7383" decimals="2" name="san:LargeExposurePercentageOfEligibleCapitalThreshold" scale="-2" id="f-17362">10</ix:nonFraction>% of eligible capital.</span></div><div style="margin-bottom:6pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, in order to limit large exposures, no entity may assume exposures exceeding <ix:nonFraction unitRef="number" contextRef="c-7383" decimals="2" name="san:LargeExposureMaximumPercentageOfEligibleCapital" scale="-2" id="f-17363">25</ix:nonFraction>% of its eligible capital with a single customer or group of associated customers, having factored in the credit risk mitigation effect contained in the regulation.</span></div><div style="margin-bottom:6pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At the end of December, after applying risk mitigation techniques, no group reaches the above-mentioned thresholds.</span></div><div style="margin-bottom:6pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Regulatory credit exposure with the <ix:nonFraction unitRef="customer" contextRef="c-7384" decimals="INF" name="san:NumberOfGroups" scale="0" id="f-17364">20</ix:nonFraction> largest groups within the scope of large risks represented <ix:nonFraction unitRef="number" contextRef="c-7385" decimals="3" name="san:CreditExposurePercentage" scale="-2" id="f-17365">5.3</ix:nonFraction>% of the outstanding credit risk with customers (lending to customers plus off-balance sheet risks) as of December 2025. While the regulatory credit exposure with the <ix:nonFraction unitRef="customer" contextRef="c-7386" decimals="INF" name="san:NumberOfGroups" scale="0" id="f-17366">40</ix:nonFraction> largest groups represents <ix:nonFraction unitRef="number" contextRef="c-7387" decimals="3" name="san:CreditExposurePercentage" scale="-2" id="f-17367">8.4</ix:nonFraction>% of the credit risk.</span></div><div style="margin-bottom:6pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">353</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-336"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-34" continuedAt="f-16225-35"><ix:continuation id="f-16706-3" continuedAt="f-16706-4"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by activity and geographical area of the Group's risk concentration at 31 December 2025 is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:42.603%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.161%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other EU countries</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">America</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Rest of the world</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Central banks and Credit institutions</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7388" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17368">326,316</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7389" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17369">61,256</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7390" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17370">71,853</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7391" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17371">119,532</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7392" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17372">73,675</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Public sector</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7393" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17373">267,765</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7394" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17374">82,131</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7395" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17375">62,620</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7396" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17376">109,109</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Central government</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7398" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17378">239,153</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7399" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17379">66,479</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7400" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17380">57,468</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7401" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17381">101,768</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7402" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17382">13,438</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Other central government</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7403" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17383">28,612</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid 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unitRef="eur" contextRef="c-7405" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17385">5,152</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7406" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17386">7,341</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7407" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" scale="6" id="f-17387">467</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial institutions (financial business activity)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7408" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17388">207,044</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7409" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17389">16,301</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7410" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17390">50,819</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7411" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17391">101,600</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7412" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17392">38,324</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-financial companies and individual entrepreneurs (non-financial business activity) (broken down by purpose)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7413" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17393">447,496</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7414" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17394">103,836</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7415" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17395">94,760</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7416" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17396">188,078</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7417" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17397">60,822</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Construction and property development</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7418" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17398">20,322</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7419" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17399">4,130</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7420" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17400">2,090</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7421" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17401">9,396</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7422" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17402">4,706</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Civil engineering construction</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7423" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17403">5,128</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7424" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17404">1,835</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7425" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17405">1,740</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7426" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17406">1,468</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7427" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" scale="6" id="f-17407">85</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Large companies</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7428" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17408">291,515</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7429" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17409">53,841</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7430" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17410">63,635</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7431" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17411">127,003</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7432" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17412">47,036</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">SMEs and individual entrepreneurs</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7433" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17413">130,531</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7434" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17414">44,030</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7435" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17415">27,295</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7436" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17416">50,211</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7437" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17417">8,995</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Households &#8211; other (broken down by purpose)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7438" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17418">543,928</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7439" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17419">88,602</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7440" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17420">98,262</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7441" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17421">142,560</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7442" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17422">214,504</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Residential</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7443" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17423">333,552</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7444" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17424">61,818</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7445" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17425">27,030</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7446" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17426">46,605</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7447" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17427">198,099</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Consumer loans</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7448" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17428">192,746</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7449" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17429">19,784</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7450" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17430">69,670</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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id="f-17432">15,801</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Other purposes</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7453" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17433">17,630</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7454" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17434">7,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7455" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17435">1,562</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7456" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17436">8,464</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7457" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" scale="6" id="f-17437">604</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6720" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17438">1,792,549</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-6630" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17439">352,126</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7458" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17440">378,314</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7459" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17441">660,879</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7460" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17442">401,230</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation><div style="margin-bottom:15pt;padding-left:7.09pt;text-indent:-7.09pt"><ix:continuation id="f-16706-4" continuedAt="f-16706-5"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span></ix:continuation><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"><ix:continuation id="f-16706-5">For the purposes of this table, the definition of risk includes the following items in the public balance sheet: 'Loans and advances to credit institutions', 'Loans and advances to Central Banks', 'Loans and advances to Customers', 'Debt securities', 'Equity Instruments', 'Trading Derivatives', 'Hedging derivatives', 'Investments and financial guarantees given'.</ix:continuation> </span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt"><span id="i9df7782519234727b6315c34a29df2ac"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">4.3 Sectors identification and management </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:130%">Grupo Santander conducts a quarterly review of exposure to customers operating in sectors that could be more affected by macroeconomic conditions (energy consumption, commodity prices, and key macroeconomic variables). This monitoring is complemented by the use of internal tools that allow projecting the behaviour and evolution of clients in each sector under different macroeconomic scenarios. Additionally, this process considers, among other things, the following information at the sector level:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Market information: Industries&#8217; stock market performance.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Analysts&#8217; EBITDA forecasts for the coming years.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Internal information: Changes in credit exposure, defaults (in different timelines) and stagings.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Our industry experts&#8217; opinion, based on specific details about our exposures and our relationships with customers</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:130%">Grupo Santander </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">continued to strengthen our ability to analyse potential losses at the highest possible level of granularity by enhancing the methodology and sector projection tools, based on the resilience of each company&#8217;s financial statements under different macroeconomic scenarios.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span id="icd026d9fd5634422af836382952f833b_9509"></span><span id="ifde19736bb3b4dacbca9b14f2c6781a0"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">4.4. Sovereign risk and exposure to other public sector entities</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:130%">Sovereign risk arises from central bank transactions (including regulatory cash reserves), government bonds issued by the Treasury or equivalent bodies (public debt portfolio), and transactions with public-sector entities funded exclusively by a state&#8217;s budget revenues and with no commercial activity.</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:130%">The standard historically applied by Grupo Santander differs from the one used by the EBA in its periodic stress tests. The most significant differences are that the EBA&#8217;s approach does not include deposits with central banks, exposures held in insurance companies, or indirect exposures through guarantees or other instruments. By contrast, it does include public administrations more broadly (including regional and local authorities), and not only those of the central government.</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:130%">Santander continues to track and manage transactions with sovereign risk based on available information, such as reports by rating agencies and international organizations. Grupo Santander monitors each country where the Group has cross-border</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> and sovereign risk. Santander analyses events that could affect the country&#8217;s political or institutional stability and assign its government or central bank a credit rating. This helps us set limits for transactions with sovereign risk.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">354</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-337"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-35" continuedAt="f-16225-36"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Over recent years, total sovereign risk exposure has remained in line with regulatory requirements and the strategy defined for managing this portfolio. Changes in exposure across countries reflect the liquidity management strategy and hedging of interest rate and foreign exchange risk. International exposure is diversified across countries with different macroeconomic expectations and, consequently, different growth, interest rate and exchange rate scenarios..</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:130%">At the end of December 2025, Grupo Santander&#180;s local sovereign exposure, in currencies other than the official currency of the country of issuance, is not significant (</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">EUR <ix:nonFraction unitRef="eur" contextRef="c-7461" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17443">4,908</ix:nonFraction> million, <ix:nonFraction unitRef="number" contextRef="c-7462" decimals="3" name="san:PercentageOfTotalSovereignRisk" scale="-2" id="f-17444">1.2</ix:nonFraction>% of total sovereign risk) according to our management criteria. Furthermore, exposure to non-local sovereign issuers involving cross-border risk is even less significant</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">2</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> (EUR <ix:nonFraction unitRef="eur" contextRef="c-7463" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17445">17,002</ix:nonFraction>&#160;million, <ix:nonFraction unitRef="number" contextRef="c-7464" decimals="3" name="san:PercentageOfTotalSovereignRisk" scale="-2" id="f-17446">4.0</ix:nonFraction>% </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">of total sovereign risk). Sovereign exposure in Latin America is mostly in local currency, and is recognised in the local accounts and concentrated in short- term maturities.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfMaximumExposureLimitsBasedOnCreditQualityTableTextBlock" id="f-17447" escape="true"><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Our investment strategy for sovereign risk considers country&#8217;s credit quality to set the maximum exposure limits. The following table shows the percentage of exposure by rating</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">A</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:43.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.420%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure distribution by rating</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">AAA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7465" decimals="2" name="san:MaximumExposureLimitPercentage" scale="-2" id="f-17448">18</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7466" decimals="2" name="san:MaximumExposureLimitPercentage" scale="-2" id="f-17449">21</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7467" decimals="2" name="san:MaximumExposureLimitPercentage" scale="-2" id="f-17450">18</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">AA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7468" decimals="2" name="san:MaximumExposureLimitPercentage" scale="-2" id="f-17451">17</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7469" decimals="2" name="san:MaximumExposureLimitPercentage" scale="-2" id="f-17452">18</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7470" decimals="2" name="san:MaximumExposureLimitPercentage" scale="-2" id="f-17453">19</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">A</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7471" decimals="2" name="san:MaximumExposureLimitPercentage" scale="-2" id="f-17454">43</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7472" decimals="2" name="san:MaximumExposureLimitPercentage" scale="-2" id="f-17455">41</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7473" decimals="2" name="san:MaximumExposureLimitPercentage" scale="-2" id="f-17456">41</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">BBB</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7474" decimals="2" name="san:MaximumExposureLimitPercentage" scale="-2" id="f-17457">14</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7475" decimals="2" name="san:MaximumExposureLimitPercentage" scale="-2" id="f-17458">11</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7476" decimals="2" name="san:MaximumExposureLimitPercentage" scale="-2" id="f-17459">12</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Less than BBB</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-7477" decimals="2" name="san:MaximumExposureLimitPercentage" scale="-2" id="f-17460">9</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7478" decimals="2" name="san:MaximumExposureLimitPercentage" scale="-2" id="f-17461">9</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7479" decimals="2" name="san:MaximumExposureLimitPercentage" scale="-2" id="f-17462">10</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.85pt">Internal ratings are applied.</span></div></div></ix:nonNumeric></div><div style="margin-bottom:9pt;margin-top:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Sovereign exposure at the end of December 2025 is shown in the table below (data in million euros):</span></div><ix:continuation id="f-2177-5" continuedAt="f-2177-6"><div style="margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:18.307%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.974%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.307%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.162%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portfolio</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span><br/></span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial&#160;assets <br/>at&#160;fair&#160;value <br/>through&#160;other <br/>comprehensive <br/>income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial <br/>assets&#160;at <br/>amortised&#160;cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-trading financial assets mandatory at fair value through profit or loss</span></td><td colspan="3" style="padding:2px 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:105%">Total net direct exposure</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Total net direct exposure</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7480" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17463">3,852</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7481" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" scale="6" id="f-17464">112</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7482" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17465">58,044</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7483" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17466">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7484" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17467">62,008</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7485" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17468">56,293</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7486" decimals="-6" sign="-" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" scale="6" id="f-17469">659</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7487" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17470">1,199</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7488" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17471">6,767</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7489" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17472">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7490" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17473">7,307</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7491" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17474">7,652</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7492" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17475">2,875</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7493" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" scale="6" id="f-17476">440</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7494" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17477">12,557</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7495" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17478">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7496" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17479">15,872</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7497" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17480">12,915</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Greece</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7498" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17481">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7499" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17482">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7500" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17483">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7501" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17484">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7502" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17485">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7503" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17486">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7504" decimals="-6" sign="-" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" scale="6" id="f-17487">38</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7505" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17488">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7506" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17489">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7507" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17490">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7508" decimals="-6" sign="-" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" scale="6" id="f-17491">38</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7509" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17492">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest Eurozone</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7510" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17493">3,684</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7511" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" scale="6" id="f-17494">254</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7512" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17495">10,443</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7513" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17496">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7514" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17497">14,381</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7515" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17498">6,212</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span 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name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17500">1,001</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7518" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17501">5,687</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7519" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17502">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7520" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17503">7,595</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7521" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17504">8,772</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Poland</span></td><td colspan="2" style="border-top:0.25pt solid 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7524" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17507">13,333</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7525" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17508">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7526" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17509">20,813</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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#9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7530" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" scale="6" id="f-17513">526</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7531" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17514">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid 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name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" scale="6" id="f-17516">954</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7534" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17517">4,783</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7535" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17518">4,320</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7536" decimals="-6" 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name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17527">26,165</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7545" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17528">26,641</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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unitRef="eur" contextRef="c-7547" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17530">7,652</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7548" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17531">7,599</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7549" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17532">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7550" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17533">25,914</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7551" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17534">21,642</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7552" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" scale="6" id="f-17535">676</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7553" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17536">2,666</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7554" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17537">5,254</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7555" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17538">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7556" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17539">8,596</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7557" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17540">6,900</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of America</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7558" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17541">2,593</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7559" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17542">1,654</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7560" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17543">2,151</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7561" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17544">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7562" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17545">6,398</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7563" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17546">4,431</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of the World</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7564" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" scale="6" id="f-17547">211</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7565" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" scale="6" id="f-17548">17</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7566" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17549">4,128</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7567" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17550">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7568" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17551">4,356</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7569" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17552">7,003</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7570" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17553">38,785</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7571" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17554">35,187</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7573" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:fixed-zero" scale="6" id="f-17556">&#8212;</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7574" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17557">224,947</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7575" decimals="-6" name="ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic" format="ixt:num-dot-decimal" scale="6" id="f-17558">198,627</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:115%;position:relative;top:-2.44pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> Risks with domestic public or private borrowers in foreign currency and originated outside the country.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:115%;position:relative;top:-2.44pt;vertical-align:baseline">2 </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Countries that are not considered low risk by Banco de Espa&#241;a.</span></div></ix:continuation></ix:continuation><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1168"></div><ix:continuation id="f-16225-36" continuedAt="f-16225-37"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt"><span id="i9f00c659b93b43b8a7de7a99afa8d396"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">5. Forborne loan portfolio</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:130%">The customer debt redirection policy incorporates the regulatory requirements of the EBA guidelines on the management of non-performing exposures, refinancing and restructuring. This policy acts as a reference for the transposition in our subsidiaries and shares the applicable supervisory expectations.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This policy also sets down rigorous criteria for evaluating, classifying and monitoring forbearances to support the strictest possible care and diligence in recovering due amounts. Thus, it dictates that Santander must adapt payment obligations to customers' current circumstances. Our forbearance policy also defines classification criteria to support Grupo Santander recognizes risks appropriately. </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:130%">Forbearances must remain classified as non-performing or in watch-list for a prudential period for reasonable certainty of repayment. In no case will repayments be used to delay the immediate recognition of losses or so that their use distorts the timely recognition of the risk of non-payment.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">355</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-338"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-37" continuedAt="f-16225-38"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025, forbearance stock fell again and stood at EUR <ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:ForborneLoanPortfolioAmount" format="ixt:num-dot-decimal" scale="6" id="f-17559">25,235</ix:nonFraction>&#160;million, due to the good payment behaviour in the main geographies. In terms of credit quality, <ix:nonFraction unitRef="number" contextRef="c-7576" decimals="2" name="san:CreditExposurePercentage" scale="-2" id="f-17560">53</ix:nonFraction>% of the loans is classified as credit impaired, with a coverage ratio of <ix:nonFraction unitRef="number" contextRef="c-7576" decimals="2" name="san:LoansAndReceivablesPercentageCoveredBySpecificAllowances" scale="-2" id="f-17561">41</ix:nonFraction>%. In addition, <ix:nonFraction unitRef="number" contextRef="c-7577" decimals="2" name="san:CreditExposurePercentage" scale="-2" id="f-17562">47</ix:nonFraction>% of the portfolio is classified as performing.</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:130%">The following terms are used with the meanings specified below:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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 there of in due time and form.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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></div><ix:continuation id="f-2177-6" continuedAt="f-2177-7"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:27.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.606%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Current refinancing and restructuring balances</span></td></tr><tr><td colspan="24" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Amounts in EUR million, except number of transactions that are in units</span></td></tr><tr><td colspan="24" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Without&#160;real&#160;guarantee</span></td><td colspan="12" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">With&#160;real&#160;guarantee</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr style="height:26pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Maximum amount of the actual collateral that can be considered</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impairment of accumulated value or accumulated losses in fair value due to credit risk</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Number of transactions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Gross amount</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Number of transactions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Real estate guarantee</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Rest of real guarantees</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit entities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="transactions" contextRef="c-7580" decimals="INF" name="san:FinancingReceivablesModificationsNumberOfContracts" format="ixt:fixed-zero" scale="0" id="f-17565">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7581" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:fixed-zero" scale="6" 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unitRef="eur" contextRef="c-7590" decimals="-6" name="san:LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" format="ixt:fixed-zero" scale="6" id="f-17575">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7591" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-17576">8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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scale="6" id="f-17578">94</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="transactions" contextRef="c-7594" decimals="INF" name="san:FinancingReceivablesModificationsNumberOfContracts" scale="0" id="f-17579">462</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7595" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-17580">182</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7596" decimals="-6" name="san:LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" scale="6" id="f-17581">117</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7597" decimals="-6" name="san:LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" scale="6" id="f-17582">15</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7598" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-17583">94</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non-financial institutions and individual shareholder</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="transactions" contextRef="c-7599" decimals="INF" name="san:FinancingReceivablesModificationsNumberOfContracts" format="ixt:num-dot-decimal" scale="0" id="f-17584">489,192</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7600" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17585">5,095</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="transactions" contextRef="c-7601" decimals="INF" name="san:FinancingReceivablesModificationsNumberOfContracts" format="ixt:num-dot-decimal" scale="0" id="f-17586">42,700</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other warehouses</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="transactions" contextRef="c-7613" decimals="INF" name="san:FinancingReceivablesModificationsNumberOfContracts" format="ixt:num-dot-decimal" scale="0" id="f-17598">3,000,071</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7614" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17599">4,556</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="transactions" contextRef="c-7615" decimals="INF" name="san:FinancingReceivablesModificationsNumberOfContracts" format="ixt:num-dot-decimal" scale="0" id="f-17600">515,253</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7616" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17601">9,699</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7617" decimals="-6" name="san:LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" format="ixt:num-dot-decimal" scale="6" id="f-17602">3,752</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7618" decimals="-6" name="san:LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" format="ixt:num-dot-decimal" scale="6" id="f-17603">3,777</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7619" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17604">3,665</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="transactions" contextRef="c-7620" decimals="INF" name="san:FinancingReceivablesModificationsNumberOfContracts" format="ixt:num-dot-decimal" scale="0" id="f-17605">3,490,210</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7621" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17606">9,751</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="transactions" contextRef="c-7622" decimals="INF" name="san:FinancingReceivablesModificationsNumberOfContracts" format="ixt:num-dot-decimal" scale="0" id="f-17607">558,424</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7623" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17608">15,484</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7624" decimals="-6" name="san:LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" format="ixt:num-dot-decimal" scale="6" id="f-17609">7,145</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7625" decimals="-6" name="san:LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" format="ixt:num-dot-decimal" scale="6" id="f-17610">4,715</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7626" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17611">6,480</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financing classified as non-current assets and disposable groups of items that have been classified as held for sale</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="transactions" contextRef="c-7627" decimals="INF" name="san:FinancingReceivablesModificationsNumberOfContracts" format="ixt:num-dot-decimal" scale="0" id="f-17612">13,499</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7628" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-17613">261</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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unitRef="eur" contextRef="c-7632" decimals="-6" name="san:LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" scale="6" id="f-17617">14</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7633" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-17618">171</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:24.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.718%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Current refinancing and restructuring 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name="san:LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" scale="6" id="f-17637">22</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7653" decimals="-6" name="san:LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" scale="6" id="f-17638">11</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="transactions" contextRef="c-7669" decimals="0" name="san:FinancingReceivablesModificationsNumberOfContracts" format="ixt:num-dot-decimal" scale="0" id="f-17654">1,620,343</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7670" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17655">2,401</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="transactions" contextRef="c-7671" decimals="0" name="san:FinancingReceivablesModificationsNumberOfContracts" format="ixt:num-dot-decimal" scale="0" id="f-17656">296,470</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7672" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17657">5,313</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7673" decimals="-6" name="san:LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" format="ixt:num-dot-decimal" scale="6" id="f-17658">1,730</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7674" decimals="-6" name="san:LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" format="ixt:num-dot-decimal" scale="6" id="f-17659">2,232</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7675" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17660">2,991</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Total</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="transactions" contextRef="c-7676" decimals="0" name="san:FinancingReceivablesModificationsNumberOfContracts" format="ixt:num-dot-decimal" scale="0" id="f-17661">1,916,935</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7677" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17662">5,354</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="transactions" contextRef="c-7678" decimals="0" name="san:FinancingReceivablesModificationsNumberOfContracts" format="ixt:num-dot-decimal" scale="0" id="f-17663">323,505</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7679" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17664">7,980</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7680" decimals="-6" name="san:LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" format="ixt:num-dot-decimal" scale="6" id="f-17665">2,923</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7681" decimals="-6" name="san:LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" format="ixt:num-dot-decimal" scale="6" id="f-17666">2,663</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7682" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-17667">5,508</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financing classified as non-current assets and disposable groups of items that have been classified as held for sale</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="transactions" contextRef="c-7683" decimals="0" name="san:FinancingReceivablesModificationsNumberOfContracts" format="ixt:num-dot-decimal" scale="0" id="f-17668">6,901</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7684" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-17669">120</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="transactions" contextRef="c-7685" decimals="0" name="san:FinancingReceivablesModificationsNumberOfContracts" format="ixt:num-dot-decimal" scale="0" id="f-17670">1,720</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7686" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-17671">235</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7687" decimals="-6" name="san:LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" scale="6" id="f-17672">110</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7688" decimals="-6" name="san:LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" scale="6" id="f-17673">5</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7689" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-17674">145</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">356</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-339"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-16225-38" continuedAt="f-16225-39"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2025, the amortised cost of financial assets whose contractual cash flows were modified during the year when the corresponding loss adjustment was valued at an amount equal to the expected credit losses over the life of the asset amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-7690" decimals="-6" name="ifrs-full:FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesAmortisedCostBeforeModification" format="ixt:num-dot-decimal" scale="6" id="f-17675">3,031</ix:nonFraction> million (<ix:nonFraction unitRef="eur" contextRef="c-7691" decimals="-6" name="ifrs-full:FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesAmortisedCostBeforeModification" format="ixt:num-dot-decimal" scale="6" id="f-17676">3,940</ix:nonFraction>&#160;million in 2024), without these modifications having a material impact on the income statement. Also, during 2025, the total of financial assets that have been modified since the initial recognition, and whose correction for expected loss has gone from being valued during the entire life of the asset to the following twelve months, amounts to EUR <ix:nonFraction unitRef="eur" contextRef="c-7692" decimals="-6" name="ifrs-full:FinancialAssetsWithModifiedContractualCashFlowsWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesForWhichLossAllowanceChangedDuringReportingPeriodTo12monthExpectedCreditLossesGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-17677">2,092</ix:nonFraction> million (<ix:nonFraction unitRef="eur" contextRef="c-7693" decimals="-6" name="ifrs-full:FinancialAssetsWithModifiedContractualCashFlowsWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesForWhichLossAllowanceChangedDuringReportingPeriodTo12monthExpectedCreditLossesGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-17678">2,950</ix:nonFraction>&#160;million in 2024).</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:130%">The transactions presented in the foregoing tables were classified at 31 December 2025 by nature, as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Credit impaired: Operations that rest on an inadequate payment scheme will be classified within the non-performing category, regardless they include contract clauses that delay the repayment of the operation throughout regular payments or present amounts written off the balance sheet for being considered irrecoverable.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Performing: Operations not classifiable as non-performing will be classified within this category. Operations will also be classified as normal if they have been reclassified from the non-performing category for complying with the specific criteria detailed below:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">A period of a year must have passed from the refinancing or restructuring date.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The owner must have paid for the accrued amounts of the capital and interests, thus reducing the rearranged capital amount, from the date when the restructuring of refinancing operation was formalised.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The owner must not have any other operation with amounts past due by more than <ix:nonNumeric contextRef="c-1" name="san:ForborneLoansPerformingCriteriaNumberOfDaysPastDue" format="ixt-sec:durday" id="f-17679">90</ix:nonNumeric> consecutive days of material delay on the date of the reclassification to the normal risk category.  </span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Attending to the credit attention <ix:nonFraction unitRef="number" contextRef="c-7577" decimals="2" name="san:CreditExposurePercentage" scale="-2" id="f-17680">47</ix:nonFraction>% of the forborne loan transactions are classified as other than non-performing. Particularly noteworthy are the level of existing guarantees (<ix:nonFraction unitRef="number" contextRef="c-7694" decimals="2" name="san:LoansAndAdvancesToCustomersSecuredPercentage" scale="-2" id="f-17681">47</ix:nonFraction>% of transactions are secured by collateral) and the coverage provided by specific allowances (representing <ix:nonFraction unitRef="number" contextRef="c-7695" decimals="2" name="san:LoansAndReceivablesPercentageCoveredBySpecificAllowances" scale="-2" id="f-17682">26</ix:nonFraction>% of the total forborne loan portfolio and <ix:nonFraction unitRef="number" contextRef="c-7576" decimals="2" name="san:LoansAndReceivablesPercentageCoveredBySpecificAllowances" scale="-2" id="f-17683">41</ix:nonFraction>% of the non-performing portfolio).</span></div></ix:continuation><div style="margin-bottom:9pt"><span><br/></span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1171"></div><ix:continuation id="f-16225-39" continuedAt="f-16225-40"><div style="margin-bottom:3pt;margin-top:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span id="ie941d54abac046e1a063b63957282601"></span><span style="background-color:#ffffff;color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Market, structural and liquidity risk</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1174"></div><ix:continuation id="f-16225-40" continuedAt="f-16225-41"><div style="margin-bottom:3pt;margin-top:6pt;padding-left:9.07pt;text-indent:-9.07pt"><span id="i9b68c15dcb5545ebab3b81ef00d62db5"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">1. Activities subject to market risk and types of market risk</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:130%">Activities exposed to market risk encompass transactions where risk is assumed as a consequence of potential changes in interest rates, inflation rates, exchange rates, stock prices, credit spreads, commodity prices, volatility and other market factors; the liquidity risk from our products and markets, and the balance-sheet liquidity risk. Therefore, they include trading risks and structural risks.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Interest rate risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> arises from movements in interest rates that reduce the value of a financial instrument, a portfolio or the Grupo Santander. It can affect loans, deposits, debt securities, most assets and liabilities held for trading, and derivatives. </span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:continuation id="f-16225-41" continuedAt="f-16225-42"><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Inflation rate risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> arises from movements in inflation that can reduce the value of a financial instrument, a portfolio or the entire group. It can affect loans, debt securities and derivatives (e.g. inflation swaps and futures) whose profitability is linked to inflation.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Exchange rate risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> is the possibility of loss because the currency of a long or open position will depreciate against the base currency. It can affect debt in subsidiaries whose local currency is not the euro, as well as loans denominated in a foreign currency.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Equity risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> is the possibility of loss from open positions in securities if their market price or expected future dividends fall. It affects shares, stock market indices, convertible bonds and derivatives with shares as the underlying asset (put, call, equity swaps, etc.).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Credit spread risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> is the possibility of loss from open positions in fixed-income securities or credit derivatives if their yield curve, or the recovery rate of their issuer or type change. A spread is the yield difference between financial instruments against a benchmark (e.g. the internal rate of return (IRR) of government bonds and interbank interest rates).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Commodity price risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> is the possibility of loss from movements in commodity prices. Grupo Santander's commodity exposure is minor and stems mainly from commodity derivatives.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Volatility risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> is the possibility of loss caused by movements in interest rates, exchange rates, the stock market, credit spreads and other risk factors affecting portfolio value. It is inherent to all financial instruments whose value considers volatility (especially options contracts).</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:130%">Derivative contracts (such as options, futures, forwards and swaps) can mitigate market risks partially or fully.</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:130%">Additionally, other more complex coverage market risks are considered, such as correlation risk, market liquidity risk, prepayment or cancellation risk and subscription risk.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Correlation risk is the possibility of loss due to an adverse correlation between risk variables that affect portfolio value. Risk variables could be the same (e.g. two FX rates) or different (e.g. an interest rate and a commodity price).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Market liquidity risk is the possibility that fewer market makers or institutional investors, a large number of transactions, market instability and other factors will cause the Group or a subsidiary to exit a position at a worse market price or trade cost. Exposure to different products and currencies can also increase this risk.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Pre-payment or cancellation risk originates when mortgages, deposits and other on-balance-sheet instruments give holders the option to buy or sell them, thus altering future cash flows. Potential mismatches on the balance sheet pose a risk since cash flows may have to be reinvested at an interest rate that is potentially lower (assets) or higher (liabilities).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Underwriting risk is the possibility that the bank will have to hold part of a debt issue it has underwritten or agreed to place if it cannot all be placed among potential buyers.</span></div></div></ix:continuation></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">357</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-340"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><ix:continuation id="f-16225-42" continuedAt="f-16225-43"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Balance sheet liquidity risk (unlike market liquidity risk) is the possibility of loss caused by forced disposal of assets or cash flow imbalance if the bank meets its payment obligations late or at excessive cost. It can cause losses by forced asset sales or impacts on margins due to the mismatch between expected cash inflows and outflows.</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:130%">Pension and actuarial risks (explained at the end of this section) also depend on market variables.</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:130%">Grupo Santander aim to comply with the Basel Committee&#8217;s Fundamental Review of the Trading Book (FRTB) and the EBA&#8217;s Guidelines on the management of interest rate risk arising from non-trading book activities. The purpose of several projects Grupo Santander runs is to provide risk control managers and teams with the best market risk management tools under the right governance framework for the models Grupo Santander uses for metric reporting; and to comply with regulation on the risks mentioned above.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1177"></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i0ef6db74df464b1885ebe7bd9881974f"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">2<ix:continuation id="f-16225-43" continuedAt="f-16225-44">. Trading market risk management</ix:continuation></span></div><ix:continuation id="f-16225-44" continuedAt="f-16225-45"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Setting market risk limits in a dynamic process according to the risk appetite in the annual limits plan prepared by senior management and extended to all subsidiaries. </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:130%">The standard methodology for risk management and control in trading, measures the maximum expected loss with a specific level of confidence and time frame. The standard for historical simulation is a confidence level of 99% over one day. </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:130%">Grupo Santander applies statistical adjustments efficiently to incorporate recent developments affecting our levels of risk. Our time frame is <ix:nonNumeric contextRef="c-7696" name="san:RiskManagementVaRCalculationTimeFrame" format="ixt-sec:durwordsen" id="f-17684">two years</ix:nonNumeric> or at least <ix:nonNumeric contextRef="c-7697" name="san:RiskManagementVaRCalculationTimeFrame" format="ixt-sec:durday" id="f-17685">520</ix:nonNumeric> days from the reference date of the VaR calculation.</span></div><ix:continuation id="f-2177-7" continuedAt="f-2177-8"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The balance sheet items in the Group&#8217;s consolidated position that are subject to market risk are shown below, distinguishing those positions for which the main risk metric is VaR from those for which risk monitoring is carried out using other metrics:</span></div></ix:continuation></ix:continuation></div></div><ix:continuation id="f-16225-45" continuedAt="f-16225-46"><ix:continuation id="f-2177-8"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:50.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.418%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.939%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Risk metric values on the consolidated balance sheet</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Main market risk metric</span></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">Balance sheet amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">VaR</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td><td colspan="3" style="padding:2px 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:105%">Main risk factor for 'Other' balance</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets&#160;subject&#160;to&#160;market&#160;risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash, cash balances at central banks and other deposits on demand</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span 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0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7698" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-17688">252,318</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7700" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-17689">252,318</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7698" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-17690">7,761</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7700" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-17691">5,815</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7701" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-17692">1,946</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7698" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-17693">8,046</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7701" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-17694">8,046</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7698" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-17695">74,612</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7700" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-17696">2,281</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7701" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-17697">72,331</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at amortized cost</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7698" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-17698">1,202,689</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7701" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-17699">1,202,689</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7698" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-17700">3,931</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7702" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-17701">3,931</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, exchange rate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7698" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="f-17702">50</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7699" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="f-17703">50</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other assets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7698" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-17704">165,827</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7698" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-17705">1,867,515</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities subject to market risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7698" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-17706">171,546</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7700" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-17707">171,546</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7698" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-17708">42,148</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7701" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-17709">42,148</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7698" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-17710">1,421,184</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7701" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-17711">1,421,184</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7698" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-17712">4,248</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7702" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-17713">4,248</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, exchange rate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7698" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" scale="6" id="f-17714">49</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7699" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" scale="6" id="f-17715">49</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7698" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-17716">115,592</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7698" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-17717">1,754,767</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7698" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-17718">112,748</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr></table></div></ix:continuation></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">358</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-341"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-46" continuedAt="f-16225-47"><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfNatureAndExtentOfRisksByRiskFactorTextBlock" id="f-17719" continuedAt="f-17719-1" escape="true"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table displays the latest and average VaR values at <ix:nonFraction unitRef="number" contextRef="c-7696" decimals="2" name="san:ValueAtRiskConfidenceLevelPercentage" scale="-2" id="f-17720">99</ix:nonFraction>% by risk factor over the last three years. It also shows the minimum and maximum VaR values in 2025 and <ix:nonFraction unitRef="number" contextRef="c-7696" decimals="3" name="san:ExpectedShortfallConfidenceLevelPercentage" scale="-2" id="f-17721">97.5</ix:nonFraction>% ES at the end of December 2025:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:22.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.201%"/><td style="width:0.1%"/></tr><tr><td colspan="36" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">VaR statistics and expected shortfall by risk factor</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">A</span></div></td></tr><tr><td colspan="36" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million. VaR at <ix:nonFraction unitRef="number" contextRef="c-7696" decimals="2" name="san:ValueAtRiskConfidenceLevelPercentage" scale="-2" id="f-17722">99</ix:nonFraction>% and ES at <ix:nonFraction unitRef="number" contextRef="c-7696" decimals="3" name="san:ExpectedShortfallConfidenceLevelPercentage" scale="-2" id="f-17723">97.5</ix:nonFraction>% with <ix:nonNumeric contextRef="c-1" name="san:TimeHorizonValueAtRiskAndExpectedShortfallConfidenceLevelPeriod" format="ixt-sec:durwordsen" id="f-17724">one day</ix:nonNumeric> time horizon</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td><td colspan="12" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">VaR&#160;(<ix:nonFraction unitRef="number" contextRef="c-7696" decimals="2" name="san:ValueAtRiskConfidenceLevelPercentage" scale="-2" id="f-17725">99</ix:nonFraction>%)</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ES (<ix:nonFraction unitRef="number" contextRef="c-7696" decimals="3" name="san:ExpectedShortfallConfidenceLevelPercentage" scale="-2" id="f-17726">97.5</ix:nonFraction>%)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">VaR</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">VaR</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Min</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Average</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Max</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Latest</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Latest</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Average</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Latest</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Average</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Latest</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7703" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17727">9.6</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7704" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17728">17.6</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7705" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17729">29.2</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7698" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17730">18.7</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7698" decimals="-5" name="san:ExpectedShortfall" scale="6" id="f-17731">16.9</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7706" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17732">17.1</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7707" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17733">18.7</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7708" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17734">11.7</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7709" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17735">13.5</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Diversification effect</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7710" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17736">10.7</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7711" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17737">21.0</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7712" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17738">59.3</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7713" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17739">17.7</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7713" decimals="-5" sign="-" name="san:ExpectedShortfall" scale="6" id="f-17740">18.9</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7714" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17741">19.8</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7715" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17742">27.3</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7716" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17743">14.9</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7717" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17744">17.1</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7718" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17745">11.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7719" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17746">16.5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7720" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17747">23.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7699" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17748">15.3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7699" decimals="-5" name="san:ExpectedShortfall" scale="6" id="f-17749">16.4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7721" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17750">17.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7722" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17751">20.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7723" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17752">12.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7724" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17753">11.1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7725" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17754">2.4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7726" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17755">6.5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7727" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17756">10.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7728" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17757">8.1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7728" decimals="-5" name="san:ExpectedShortfall" scale="6" id="f-17758">7.5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7729" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17759">6.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7730" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17760">9.5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7731" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17761">3.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7732" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17762">6.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7733" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17763">3.3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7734" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17764">7.4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7735" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17765">37.5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7736" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17766">6.3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7736" decimals="-5" name="san:ExpectedShortfall" scale="6" id="f-17767">5.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7737" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17768">5.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7738" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17769">5.9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7739" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17770">5.3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7740" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17771">4.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Credit spread</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7741" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17772">3.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7742" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17773">5.7</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7743" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17774">10.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7744" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17775">4.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7744" decimals="-5" name="san:ExpectedShortfall" scale="6" id="f-17776">4.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7745" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17777">4.9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7746" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17778">5.3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7747" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17779">4.3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7748" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17780">6.1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Commodities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7749" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17781">0.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7750" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17782">2.5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7751" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17783">7.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7752" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17784">1.9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7752" decimals="-5" name="san:ExpectedShortfall" scale="6" id="f-17785">1.3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7753" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17786">3.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7754" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17787">5.1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7755" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17788">1.6</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7756" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17789">2.6</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Europe</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7757" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17790">9.6</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7758" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17791">15.0</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7759" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17792">28.2</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7760" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17793">13.2</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7760" decimals="-5" name="san:ExpectedShortfall" scale="6" id="f-17794">13.2</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7761" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17795">12.7</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7762" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17796">16.0</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7763" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17797">9.4</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7764" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17798">11.8</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Diversification effect</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7765" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17799">8.9</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7766" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17800">18.0</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7767" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17801">32.4</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7768" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17802">15.9</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7768" decimals="-5" sign="-" name="san:ExpectedShortfall" scale="6" id="f-17803">17.8</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7769" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17804">15.4</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7770" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17805">18.4</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7771" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17806">10.5</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7772" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17807">13.8</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7773" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17808">9.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7774" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17809">13.3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7775" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17810">19.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7776" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17811">11.4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7776" decimals="-5" name="san:ExpectedShortfall" scale="6" id="f-17812">13.3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7777" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17813">12.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7778" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17814">14.4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7779" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17815">9.1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7780" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17816">8.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7781" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17817">2.7</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7782" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17818">6.4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7783" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17819">11.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7784" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17820">7.4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7784" decimals="-5" name="san:ExpectedShortfall" scale="6" id="f-17821">7.1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7785" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17822">5.9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7786" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17823">8.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7787" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17824">2.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7788" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17825">5.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7789" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17826">3.7</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7790" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17827">7.3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7791" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17828">19.7</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7792" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17829">5.3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7792" decimals="-5" name="san:ExpectedShortfall" scale="6" id="f-17830">5.7</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7793" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17831">5.1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7794" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17832">5.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7795" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17833">3.5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7796" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17834">5.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Credit spread</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7797" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17835">3.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7798" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17836">5.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7799" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17837">10.4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7800" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17838">4.9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7800" decimals="-5" name="san:ExpectedShortfall" scale="6" id="f-17839">4.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7801" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17840">4.9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7802" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17841">5.3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7803" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17842">4.3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7804" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17843">6.1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Commodities</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7805" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17844">0.1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7806" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17845">0.2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7807" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17846">0.3</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7808" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17847">0.1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7808" decimals="-5" name="san:ExpectedShortfall" scale="6" id="f-17848">0.1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7809" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17849">0.2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7810" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17850">0.1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7811" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17851">0.2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7812" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17852">0.3</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total North America</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7813" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17853">3.7</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7814" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17854">5.8</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7815" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17855">8.9</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7816" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17856">5.5</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7816" decimals="-5" name="san:ExpectedShortfall" scale="6" id="f-17857">5.3</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7817" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17858">6.9</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7818" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17859">6.4</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7819" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17860">4.0</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7820" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17861">5.0</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Diversification effect</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7821" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17862">0.4</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7822" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17863">1.7</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7823" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17864">6.3</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7824" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17865">1.6</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7824" decimals="-5" sign="-" name="san:ExpectedShortfall" scale="6" id="f-17866">1.8</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7825" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17867">1.1</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7826" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17868">0.8</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7827" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17869">0.7</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7828" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17870">0.5</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7829" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17871">3.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7830" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17872">5.9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7831" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17873">8.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7832" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17874">4.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7832" decimals="-5" name="san:ExpectedShortfall" scale="6" id="f-17875">4.9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7833" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17876">6.9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7834" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17877">6.6</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7835" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17878">3.7</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7836" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17879">5.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equities</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7837" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17880">0.1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7838" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17881">0.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7839" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17882">3.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7840" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17883">1.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7840" decimals="-5" name="san:ExpectedShortfall" scale="6" id="f-17884">1.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7841" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17885">0.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7842" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17886">0.1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7843" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17887">0.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7844" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17888">0.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7845" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17889">0.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7846" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17890">0.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7847" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17891">3.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7848" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17892">1.3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7848" decimals="-5" name="san:ExpectedShortfall" scale="6" id="f-17893">1.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7849" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17894">0.9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7850" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17895">0.5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7851" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17896">0.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7852" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17897">0.5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total South America</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7853" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17898">3.2</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7854" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17899">7.6</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7855" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17900">16.5</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7856" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17901">5.8</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7856" decimals="-5" name="san:ExpectedShortfall" scale="6" id="f-17902">5.9</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7857" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17903">9.0</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7858" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17904">9.5</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7859" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17905">7.3</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7860" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17906">7.0</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Diversification effect</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7861" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17907">0.3</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7862" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17908">5.2</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7863" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17909">28.7</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7864" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17910">8.7</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7864" decimals="-5" sign="-" name="san:ExpectedShortfall" scale="6" id="f-17911">6.2</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7865" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17912">6.9</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7866" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17913">5.5</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7867" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17914">6.2</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7868" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17915">6.6</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7869" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17916">2.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7870" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17917">7.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7871" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17918">18.1</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7872" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17919">4.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7872" decimals="-5" name="san:ExpectedShortfall" scale="6" id="f-17920">3.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7873" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17921">8.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7874" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17922">6.5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7875" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17923">7.3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7876" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17924">5.6</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7877" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17925">0.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7878" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17926">1.5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7879" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17927">7.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7880" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17928">2.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7880" decimals="-5" name="san:ExpectedShortfall" scale="6" 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. In South and North America, VaR levels of credit spreads and commodities are not shown separately due to their low or null materiality.</span></div></ix:nonNumeric><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">VaR at the end of December (EU</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">R <ix:nonFraction unitRef="eur" contextRef="c-7698" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17952">18.7</ix:nonFraction>&#160;million) was only EUR <ix:nonFraction unitRef="eur" contextRef="c-7696" decimals="-4" sign="-" name="san:IncreaseDecreaseComparedToLastYearInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" scale="6" id="f-17953">0.03</ix:nonFraction>&#160;million lower compared to the end of 2024, reflecting sustained high market volatility, ongoing geopolitical risk and concerns over inflation trends, which could pick up again as a result of new US trade policies. </span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">By risk factor, average VaR (EUR <ix:nonFraction unitRef="eur" contextRef="c-7704" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17954">17.6</ix:nonFraction>&#160;million) hig</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">her across several risk factors, especially for foreign exchange, with high market volatility for certain currencies such as the US dollar and the Argentine peso. Temporary spikes in VaR across the different factors generally reflect isolated increases in market price volatility rather than significant changes in positions.</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:130%">By region, average VaR was higher than the 2024 average in Europe, mainly due to interest rate and foreign exchange risk factors, while it was lower in North America and South America.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span id="ibfa0a7b1fe7d4aa68fae528c98e7dc65"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Backtesting</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:130%">Actual losses can differ from predicted losses because of the VaR&#8217;s limitations. Grupo Santander measures the accuracy of the VaR calculation model to make sure it is reliable. The most important tests Grupo Santander runs involve backtesting:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In hypothetical P&amp;L backtesting and for the total portfolio, two exceptions (a daily loss higher than VaR or a daily gain higher than VaE) were observed in 2025 for VaR at a <ix:nonFraction unitRef="number" contextRef="c-7696" decimals="2" name="san:ValueAtEarningsConfidenceLevelPercentage" scale="-2" id="f-17955"><ix:nonFraction unitRef="number" contextRef="c-7696" decimals="2" name="san:ValueAtRiskConfidenceLevelPercentage" scale="-2" id="f-17956">99</ix:nonFraction></ix:nonFraction>% confidence level, on 9 and 11 April, as a result of high market volatility, mainly driven by uncertainty over the potential impact of new US trade policies.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The exceptions observed in the past year are consistent with the assumptions of the VaR calculation model.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span><br/></span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">359</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1180"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-342"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-47" continuedAt="f-16225-48"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="ia032f756e2bd4e34a25ab01c83fb3290"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">3. Structural balance sheet risks</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="i535548d3a1834127a3a53d0be7295962"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">3.1. Main aggregates and variations</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:130%">Consistent with previous years, the market risk profile of Grupo Santander&#8217;s balance sheet remained moderate in 2025 in terms of asset, shareholders&#8217; equity and NII volumes.</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:130%">Each subsidiary&#8217;s finance division manages interest rate risk from commercial banking and is responsible for handling structural risk from interest rate fluctuations. </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:130%">To measure interest rate risk, Grupo Santander uses statistical models based on strategies to mitigate structural risk with interest-rate instruments (such as bonds and derivatives) to keep risk profile within risk appetite.</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:130%">The NII and EVE sensitivities below are based on scenarios of parallel interest rate movements from -100 to +100 basis points.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i2d4b3305f22d496b9104e127c128afe8"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Structural VaR</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:130%">With such a homogeneous metric as VaR, Grupo Santander can fully monitor market risk in the banking book (excluding CIB trading activity). The Bank differentiates fixed income based on interest rates and credit spreads in ALCO portfolios, FX rates and shares.</span></div><ix:continuation id="f-17719-1" continuedAt="f-17719-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In general, the structural VaR of Grupo Santander tota</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">l assets and equity is minor</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div></div><ix:continuation id="f-17719-2"><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:23.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.941%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="border-bottom:1pt solid #ec0000;padding:2px 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:105%">Structural VaR</span></td></tr><tr><td colspan="27" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million. Structural VaR <ix:nonFraction unitRef="number" contextRef="c-7901" decimals="2" name="san:ValueAtRiskConfidenceLevelPercentage" scale="-2" id="f-17957">99</ix:nonFraction>% with a temporary horizon of <ix:nonNumeric contextRef="c-7901" name="san:ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation" format="ixt-sec:durwordsen" id="f-17958">one day</ix:nonNumeric>.</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 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:105%">2025</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Min</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Max</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Latest</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Latest</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Latest</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">Structural VaR</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7902" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17959">598.5</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7903" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17960">662.9</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7904" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17961">751.9</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7905" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17962">690.1</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7906" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17963">747.7</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7907" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17964">687.5</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7908" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17965">705.0</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7909" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17966">749.5</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Diversification effect</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7910" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17967">155.9</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-7911" decimals="-5" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-17968">258.4</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">VaR Interest Rate</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7918" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17975">158.3</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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id="f-17977">205.8</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7921" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17978">177.6</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7922" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17979">412.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7923" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17980">235.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7924" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17981">348.4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7925" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17982">380.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">VaR Exchange Rate</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7926" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17983">486.0</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7927" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17984">597.7</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7928" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17985">648.7</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7929" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17986">572.4</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7930" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17987">571.7</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7931" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17988">594.4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7932" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17989">580.4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7933" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17990">642.9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">VaR Equities</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7934" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17991">110.1</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7935" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17992">146.3</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander 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id="f-17996">126.5</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7940" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17997">192.8</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7941" decimals="-5" name="ifrs-full:ValueAtRisk" scale="6" id="f-17998">171.1</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:18pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"> Includes credit spread VaR on ALCO portfolios.</span></div></ix:continuation><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i8518a862271b445daf6d058eb5fa985b"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Structural interest rate risk</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Europe</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </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:130%">At the end of December, net interest income (NII) for our main balance sheets showed positive sensitivity to interest rate increases. As of the same date, the economic value of equity (EVE) showed negative sensitivity to interest rate increases.</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:130%">At </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">the end of December 2025, under the scenarios previously described, the most significant NII sensitivity risk was concentrated in the euro, at EUR <ix:nonFraction unitRef="eur" contextRef="c-7942" decimals="-6" name="san:IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" scale="6" id="f-17999">561</ix:nonFraction>&#160;million; the pound sterling, EUR <ix:nonFraction unitRef="eur" contextRef="c-7943" decimals="-6" name="san:IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" scale="6" id="f-18000">169</ix:nonFraction>&#160;million; the Polish z&#322;oty, EUR 51&#160;million; and the US dollar, EUR <ix:nonFraction unitRef="eur" contextRef="c-7944" decimals="-6" name="san:IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" scale="6" id="f-18001">50</ix:nonFraction>&#160;million, all linked to interest rate cut risk.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The most significant risk to the economic value of equity was concentrated in the euro yield curve, at EUR <ix:nonFraction unitRef="eur" contextRef="c-7945" decimals="-6" name="san:IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" format="ixt:num-dot-decimal" scale="6" id="f-18002">1,087</ix:nonFraction>&#160;million; in pound sterling, at EUR <ix:nonFraction unitRef="eur" contextRef="c-7946" decimals="-6" name="san:IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" scale="6" id="f-18003">614</ix:nonFraction>&#160;million; the Polish z&#322;oty, at EUR 275&#160;million euros; and the US dollar, at EUR <ix:nonFraction unitRef="eur" contextRef="c-7947" decimals="-6" name="san:IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" scale="6" id="f-18004">104</ix:nonFraction>&#160;million euros, all linked to interest rate rise risk.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Exposure was moderate in relation to annual budget and capital levels in 2025. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">North America</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At the end of December, net interest income (NII) for our North America balance sheets showed positive sensitivity to interest rate increases in the United States, while showing negative sensitivity to the same scenario in Mexico. In both cases, the economic value of equity (EVE) showed negative sensitivity to interest rate increases.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Exposure was moderate in relation to annual budget and capital levels in 2025.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At the end of December 2025, significant risk to NII was mainly in the US and amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-7948" decimals="-6" name="san:IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" scale="6" id="f-18005">49</ix:nonFraction>&#160;million.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The most significant risk to EVE was in the US and amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-7949" decimals="-6" name="san:IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" scale="6" id="f-18006">570</ix:nonFraction>&#160;million.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">South America</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">EVE and NII on our main South American balance sheets are generally positioned for interest rate cuts.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">360</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-343"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><ix:continuation id="f-16225-48" continuedAt="f-16225-49"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2025, exposure across all countries remained moderate in relation to the annual budget and capital levels.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At the end of December, the most significant risk to NII was mainly in Brazil (EUR <ix:nonFraction unitRef="eur" contextRef="c-7950" decimals="-6" name="san:IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" scale="6" id="f-18007">57</ix:nonFraction>&#160;million).</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Most significant risk to EVE was recorded in Brazil (EUR <ix:nonFraction unitRef="eur" contextRef="c-7951" decimals="-6" name="san:IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" scale="6" id="f-18008">257</ix:nonFraction>&#160;million) and in Chile (EUR <ix:nonFraction unitRef="eur" contextRef="c-7952" decimals="-6" name="san:IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" scale="6" id="f-18009">225</ix:nonFraction>&#160;million).</span></div><div style="margin-bottom:1pt;margin-top:9pt"><span id="i2b37f6b20c8f4432b2eb51e30f3ede6b"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Structural foreign currency rate risk/results hedging</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:130%">Grupo Santander's structural FX risk stems mainly from the income and hedging of foreign currency transactions for permanent financial investments. In the dynamic management of this risk, Grupo Santander aims to limit the impact of FX rate movements on the core capital ratio. In 2025, the hedged of the different currencies that have an impact on our core capital ratio was close to <ix:nonFraction unitRef="number" contextRef="c-7953" decimals="2" name="san:PercentOfCoreCapitalRatioCoveredAgainstRisk" scale="-2" id="f-18010">100</ix:nonFraction>%.</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:130%">In December 2025, the largest permanent exposures (with their potential impact on equity) were, in this order, in pound sterling, US dollars, Brazilian reais, Mexican pesos, Polish zlotys and Chilean pesos.</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:130%">Grupo Santander uses FX derivatives to hedge part of those permanent positions. The Finance division manages FX risk and hedging for the expected profits and dividends of subsidiaries whose base currency is not the euro.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i14eb2ea9a129403ba871dd6706dd7559"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Structural equity risk</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:130%">Grupo Santander holds equity positions in its banking and trading books. They are either equity instruments or stock, depending on the share of ownership or control. </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:130%">At the end of December 2025, the equities and shareholdings in the banking book were diversified among Spain, China, Morocco, Poland and other countries. Most of them invest in the financial and insurance sectors. Grupo Santander has minor equity exposure to property and other sectors.</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:130%">Structural equity positions are exposed to market risk. The Group calculates its VaR with a set of market prices and proxies. At the end of the year 2025, VaR at a <ix:nonFraction unitRef="number" contextRef="c-7954" decimals="2" name="san:ValueAtRiskConfidenceLevelPercentage" scale="-2" id="f-18011">99</ix:nonFraction>% confidence level over a <ix:nonNumeric contextRef="c-7954" name="san:ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation" format="ixt-sec:durwordsen" id="f-18012">one-day</ix:nonNumeric> horizon was</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> EUR </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"><ix:nonFraction unitRef="eur" contextRef="c-7955" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-18013">147</ix:nonFraction>&#160;million (EUR <ix:nonFraction unitRef="eur" contextRef="c-7956" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-18014">127</ix:nonFraction>&#160;million and EUR <ix:nonFraction unitRef="eur" contextRef="c-7957" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-18015">171</ix:nonFraction>&#160;million in 2024 and 2023, respectively). </span></div><div style="margin-bottom:1pt;margin-top:9pt"><span id="i0814151285264dbe8cbf5f41310861ac"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">3.2. Methodologies</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="ifd7394a07516488e975975fc35a71247"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Structural interest rate risk</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:130%">Grupo Santander measures the potential impact of interest rate movements on EVE and NII. Because changing rates may generate impacts, Grupo Santander must manage and control many subtypes of interest rate risk, such as repricing risk, curve risk, basis risk and option risk (e.g. behavioural or automatic).</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:130%">Interest rate risk in the balance sheet and market conditions and outlooks could necessitate certain financial measures to achieve Grupo Santander's desired risk profile (such as selling positions or setting interest rates on products Grupo Santander markets). </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:130%">The metrics Grupo Santander uses to monitor IRRBB include NII and EVE sensitivity to interest rate movements.</span></div></div></ix:continuation><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-16225-49" continuedAt="f-16225-50"><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Net interest income sensitivity</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:130%">Net interest income (NII) is the difference between interest income from assets and the interest cost of liabilities in the banking book over a typical one- to three-year horizon (one year being standard in Grupo Santander). Because NII sensitivity is the difference in income between a selected scenario and the base scenario, its values can be as many as considered scenarios. It enables us to see short-term risks and supplement economic value of equity (EVE) sensitivity.</span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Economic value of equity sensitivity</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:130%">Economic value of equity (EVE) is the difference between the current value of all assets minus the current value of all liabilities in the banking book. It does not include shareholders&#8217; equity and non-interest-bearing instruments. The sensitivity of the economic value of own funds is obtained as the difference between said economic value calculated with a selected scenario and that calculated with a base scenario.</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:130%">Because EVE sensitivity is the difference in EVE between a selected scenario and the base scenario, it can have as many values as considered scenarios. It enables us to see long-term risks and supplement NII sensitivity.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i480b1db7bdd34753b2a4fd729f961a83"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Structural exchange-rate risk/hedging of results</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:130%">Every day, Grupo Santander measures FX positions, VaR and P/L.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i497716eef2bc40598b5ea0cddd344c3a"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Structural equity risk</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:130%">Grupo Santander measures equity positions, VaR and P/L.</span></div></ix:continuation><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1186"></div><ix:continuation id="f-16225-50" continuedAt="f-16225-51"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i961bc18cdc8c4162a13769f6b4b8e8e9"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">4. Liquidity risk</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:130%">Structural liquidity management aims to fund the Group&#8217;s recurring activity optimising maturities and costs, while avoiding taking on undesired liquidity risks.</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:130%">Santander&#8217;s liquidity management is based on the following principles:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Define liquidity risk and provide detailed assessments of current and emerging material liquidity risks.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Define liquidity risk metrics, review and challenge liquidity risk appetite and limits on first line of defence proposals.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Evaluates and challenges commercial/business proposals; It provides senior management and business units with the necessary elements to understand the liquidity risk of Santander's businesses and operations.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Supervise the liquidity risk management of the first line of defence and assess the permanence of businesses within the limits of liquidity risk.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Reports on compliance with risk appetite limits and exceptions, if any, to governing bodies.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Provides a consolidated view of liquidity risk exposures and liquidity risk profile.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Confirms the existence of adequate liquidity procedures to manage the business within the limits of risk appetite.</span></div></ix:continuation></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">361</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-344"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-51" continuedAt="f-16225-52"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The effective application of these principles by all institutions comprising the Group required the development of a unique management framework built upon three fundamental pillars:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">A solid organisational and governance model that supports the involvement of the subsidiaries&#8217; senior management in decision-taking and its integration into the Group&#8217;s global strategy. The decision-making process for all structural risks, including liquidity and funding risk, is carried out by local Asset and Liability Committees (ALCOs) in coordination with the global ALCO, which is the body empowered by the Bank's board in accordance with the corporate Asset and Liability Management (ALM) framework.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This governance model has been reinforced as it has been included within Santander's Risk Appetite Framework. This framework meets demands from regulators and market players emanating from the financial crisis to strengthen banks&#8217; risk management and control systems.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In-depth balance sheet analysis and measurement of liquidity risk, supporting decision-taking and its control. The Group objective is to maintains adequate liquidity levels necessary to cover its short- and long-term needs with stable funding sources, optimising the impact of their costs on the income statement. Grupo Santander&#8217;s liquidity risk management processes are contained within a conservative risk appetite framework established in each geographic area in accordance with its commercial strategy. This risk appetite establishes the limits within which the subsidiaries can operate in order to achieve their strategic objectives.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Management adapted in practice to the liquidity needs of each business. Every year, based on business needs, a liquidity plan is developed which seeks to achieve:</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:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.6pt">a solid balance sheet structure, with a diversified presence in the wholesale markets;</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:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.6pt">the use of liquidity buffers and limited encumbrance of assets;</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:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.6pt">compliance with both regulatory metrics and other metrics included in each entity&#8217;s risk appetite statement.</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:130%">Over the course of the year, all dimensions of the plan are monitored.</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:130%">Grupo Santander continues to develop the ILAAP (Internal Liquidity Adequacy Assessment Process), an internal self-assessment of liquidity adequacy which must be integrated into the Group&#8217;s other risk management and strategic processes. It focuses on both quantitative and qualitative matters and is used as an input to the SREP (Supervisory Review and Evaluation Process). The ILAAP evaluates the liquidity position both in ordinary and stressed scenarios.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="id4633604db344e14a063b8fe9c44fcf5"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">i.<span id="iddd66a3a1ec04309b6a9f456f1d6c741_12537"></span> Liquidity risk measurement</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:130%">Grupo Santander uses the Basel regulatory definition and calculates a set of metrics and stress scenarios in relation to intraday liquidity risk to maintain a high level of management and control. On the one hand, the regulatory liquidity metrics (LCR, NSFR) are prepared following the regulatory criteria established in the CRR 2 and CRD IV. Regarding internal metrics, liquidity scenarios are determined using a combination of behavioral observation in actual liquidity crises occurred at other banks, regulatory assumptions and expert judgment.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i77ad8137d238491891a980d29f071db8"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">a) Liquidity Coverage Ratio (LCR)</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:130%">The liquidity coverage ratio (LCR) is a regulatory metric. Its purpose is to promote the short-term resilience of a bank&#8217;s liquidity profile and make sure it has enough high-quality liquid assets to withstand a considerable idiosyncratic or market stress scenario over 30 calendar days.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4a2088dc7ebb4c7f94df87c15842a067"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">b) Net Stable Funding Ratio (NSFR)</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:130%">The net stable funding ratio (NSFR) is a regulatory metric we use to measure long-term liquidity risk. It is the ratio of available stable funding to required stable funding. It requires banks to keep a robust balance sheet, with off-balance-sheet assets and operations financed by stable liabilities.</span></div><div style="margin-bottom:1pt;margin-top:9pt"><span id="i330076dffb8246c88382ba2f8d64cb3e"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">c) Liquidity buffer</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:130%">The liquidity buffer is the total liquid assets a bank has to cope with cash outflows during periods of stress. The assets are free of encumbrances and can be used immediately to generate liquidity without losses or excessive discounts. The liquidity buffer is a tool for calculating most liquidity metrics. It is also a metric with defined limits for each subsidiary.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i12044e75974e499f96d7213ea7b9f141"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">d) Wholesale liquidity metric</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:130%">The wholesale liquidity metric measures the number of days Grupo Santander would survive if it used liquid assets to cover lost liquidity from a wholesale deposit run-off (without possible renewal) over a set time horizon. Grupo Santander also uses it as an internal short-term liquidity metric to reduce risk from dependence on wholesale funding.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="iec4cd74039d9440b9a9912f13314a7ea"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">e) Asset Encumbrance metrics</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:130%">Grupo Santander calculates two metrics to measure asset encumbrance risk. On the one hand, the asset encumbrance ratio gives the proportion of encumbered assets to total assets; on the other, the structural asset encumbrance ratio gives the proportion of encumbered assets by structural funding transaction (namely long-term collateralized issues and credit transactions with central banks).</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i0082792b661348e4b664760318dd9075"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">f) Other additional liquidity indicators</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:130%">In addition to traditional tools to measure short and long-term liquidity and funding risk, Grupo Santander has a set of additional liquidity indicators to complement those and to measure other non-covered liquidity risk factors. These include concentration metrics, such as the main and the five largest funding counterparties, or the distribution of funding by maturity. </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:130%">In this sense, deposits do not show a tendency towards concentration, maintaining a stable structure at 31 December 2024, where approximately <ix:nonFraction unitRef="number" contextRef="c-2" decimals="2" name="san:TransactionalDepositsPercentage" scale="-2" id="f-18016">75</ix:nonFraction>% are transactional and more than <ix:nonFraction unitRef="number" contextRef="c-2" decimals="2" name="san:DepositInsuredWithDepositGuaranteeSystemsRetailDepositsPercentage" scale="-2" id="f-18017">80</ix:nonFraction>% of retail deposits are insured by deposit guarantee systems of the different countries.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">362</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-345"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-52" continuedAt="f-16225-53"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i130c0a567490429ab6fdabc9d172624c"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">g) Liquidity scenario analysis</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:107%">As liquidity stress tests, <ix:nonFraction unitRef="scenario" contextRef="c-7958" decimals="INF" name="san:LiquidityRiskNumberOfStandardScenariosDefined" format="ixt-sec:numwordsen" scale="0" id="f-18018">five</ix:nonFraction> standard scenarios have been defined:</span></div><div><span><br/></span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">i.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:9.97pt">An idiosyncratic scenario of events detrimental only to Santander;</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:7.94pt">a local market scenario of events highly detrimental to a base country&#8217;s financial system or real economy;</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">iii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.91pt">a global market scenario of events highly detrimental to the global financial system; and</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">iv.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.94pt">combined scenario consisting of a combination of more severe idiosyncratic and market events (local and global) occurring simultaneously and interactively. </span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">v.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:7.97pt">climate scenarios where different stress cases derived from the effects that climate change could have on the economy are collected.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander uses these stress test outcomes as tools to determine risk appetite and support business decision-making.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i8dcf1775dd6b4837967c7719b1605c24"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">h) Liquidity early warning indicators</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:130%">Early warning indicator system consists of quantitative and qualitative liquidity indicators that help predict stress situations and weaknesses in the funding and liquidity structure of Grupo Santander entities. External indicators relate to market-based financial variables; internal indicators relate to our own performance.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ibe9667c72272427e9af7cacae183b23b"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">i) Intraday liquidity metrics</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:130%">Grupo Santander follows Basel regulation and calculates several metrics and stress scenarios for intraday liquidity risk to maintain a high level of control.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i81e8c762c7a04f59abe3fc3d8615913e"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">ii. Liquidity coverage ratio and net stable financing ratio</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:130%">The regulatory requirement for the LCR ratio has been set at 100% since 2018.</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:130%">Below is a breakdown of the Group's liquid assets composition according to the criteria established in the supervisory prudential information (Commission Implementing Regulation (EU) 2017/2114 of 9 November 2017) for the determination of high-quality liquid assets for the calculation of the LCR ratio (HQLA):</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfHighQualityLiquidAssetsTableTextBlock" id="f-18019" escape="true"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:47.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.183%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.183%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.186%"/><td style="width:0.1%"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Amount weighted applicable</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Amount weighted applicable</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Amount weighted applicable</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">High-quality liquid assets-HQLAs</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Cash and reserves available at central banks</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7959" decimals="-6" name="san:HighQualityLiquidAssets" format="ixt:num-dot-decimal" scale="6" id="f-18020">150,883</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7960" decimals="-6" name="san:HighQualityLiquidAssets" format="ixt:num-dot-decimal" scale="6" id="f-18021">188,745</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7961" decimals="-6" name="san:HighQualityLiquidAssets" format="ixt:num-dot-decimal" scale="6" id="f-18022">217,935</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Marketable assets Level 1</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7962" decimals="-6" name="san:HighQualityLiquidAssets" format="ixt:num-dot-decimal" scale="6" id="f-18023">173,744</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7963" decimals="-6" name="san:HighQualityLiquidAssets" format="ixt:num-dot-decimal" scale="6" id="f-18024">150,912</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7964" decimals="-6" name="san:HighQualityLiquidAssets" format="ixt:num-dot-decimal" scale="6" id="f-18025">119,043</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Marketable assets Level 2A</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7965" decimals="-6" name="san:HighQualityLiquidAssets" format="ixt:num-dot-decimal" scale="6" id="f-18026">5,726</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7966" decimals="-6" name="san:HighQualityLiquidAssets" format="ixt:num-dot-decimal" scale="6" id="f-18027">4,696</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7967" decimals="-6" name="san:HighQualityLiquidAssets" format="ixt:num-dot-decimal" scale="6" id="f-18028">4,236</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Marketable assets Level 2B</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7968" decimals="-6" name="san:HighQualityLiquidAssets" format="ixt:num-dot-decimal" scale="6" id="f-18029">7,584</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7969" decimals="-6" name="san:HighQualityLiquidAssets" format="ixt:num-dot-decimal" scale="6" id="f-18030">6,951</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7970" decimals="-6" name="san:HighQualityLiquidAssets" format="ixt:num-dot-decimal" scale="6" id="f-18031">6,814</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total high-quality liquid assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7971" decimals="-6" name="san:HighQualityLiquidAssets" format="ixt:num-dot-decimal" scale="6" id="f-18032">337,937</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7972" decimals="-6" name="san:HighQualityLiquidAssets" format="ixt:num-dot-decimal" scale="6" id="f-18033">351,304</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7973" decimals="-6" name="san:HighQualityLiquidAssets" format="ixt:num-dot-decimal" scale="6" id="f-18034">348,028</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfLiquidityCoverageRatioByComponentTableTextBlock" id="f-18035" escape="true"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:47.048%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.183%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.183%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.186%"/><td style="width:0.1%"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million </span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">High-quality liquid assets-HQLAs (numerator)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7971" decimals="-6" name="san:HighQualityLiquidAssetsAdjusted" format="ixt:num-dot-decimal" scale="6" id="f-18036">301,618</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7972" decimals="-6" name="san:HighQualityLiquidAssetsAdjusted" format="ixt:num-dot-decimal" scale="6" id="f-18037">315,524</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7973" decimals="-6" name="san:HighQualityLiquidAssetsAdjusted" format="ixt:num-dot-decimal" scale="6" id="f-18038">348,028</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Total net cash outflows (denominator)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7958" decimals="-6" name="san:HighQualityLiquidAssetsCashOutflowInflow" format="ixt:num-dot-decimal" scale="6" id="f-18039">208,388</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7974" decimals="-6" name="san:HighQualityLiquidAssetsCashOutflowInflow" format="ixt:num-dot-decimal" scale="6" id="f-18040">206,889</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7975" decimals="-6" name="san:HighQualityLiquidAssetsCashOutflowInflow" format="ixt:num-dot-decimal" scale="6" id="f-18041">209,892</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Cash outflows</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7958" decimals="-6" name="san:HighQualityLiquidAssetsCashOutflow" format="ixt:num-dot-decimal" scale="6" id="f-18042">287,044</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7974" decimals="-6" name="san:HighQualityLiquidAssetsCashOutflow" format="ixt:num-dot-decimal" scale="6" id="f-18043">278,760</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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id="f-18045">78,656</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7974" decimals="-6" name="san:HighQualityLiquidAssetsCashInflow" format="ixt:num-dot-decimal" scale="6" id="f-18046">71,871</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-7975" decimals="-6" name="san:HighQualityLiquidAssetsCashInflow" format="ixt:num-dot-decimal" scale="6" id="f-18047">73,090</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated LCR ratio (%)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7971" decimals="2" name="san:ConsolidatedLiquidityCoverageRatio" scale="-2" id="f-18048">145</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7972" decimals="2" name="san:ConsolidatedLiquidityCoverageRatio" scale="-2" id="f-18049">153</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7973" decimals="2" name="san:ConsolidatedLiquidityCoverageRatio" scale="-2" id="f-18050">166</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Group LCR ratio (%)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7971" decimals="2" name="san:GroupLiquidityCoverageRatio" scale="-2" id="f-18051">155</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7972" decimals="2" name="san:GroupLiquidityCoverageRatio" scale="-2" id="f-18052">168</ix:nonFraction></span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">NSFR ratio (%)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7971" decimals="2" name="san:NetStableFundingRatio" scale="-2" id="f-18053">126</ix:nonFraction></span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7972" decimals="2" name="san:NetStableFundingRatio" scale="-2" id="f-18054">126</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-7973" decimals="2" name="san:NetStableFundingRatio" scale="-2" id="f-18055">123</ix:nonFraction></span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr></table></div></ix:nonNumeric><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Since 2024, the calculation of the consolidated LCR ratio has been updated to comply with a series of requirements regarding asset transferability restrictions in third countries. This new consolidated ratio includes an adjustment whereby any excess liquidity above 100% of LCR outflows, which is subject to transferability restrictions (legal or operational) in third countries, is not taken into account. This applies even if the surplus liquidity can be used to cover additional outflows within the country itself, which is not subject to any restrictions.</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:130%">The total high-quality liquid assets differ from the high-quality liquid assets (HQLAs) considered as the numerator within the consolidated LCR ratio, due to the aforementioned adjustment.</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:130%">In addition, since 2024, we have been calculating a Group LCR ratio using an internal methodology that determines the minimum common coverage percentage simultaneously across all the Group's markets and considers all existing restrictions on liquidity transfers in third countries. This methodology reflects the Group's resilience to liquidity risk more accurately and the internal ratio presents a level that is consistent with what would be achieved by applying the criteria followed until mid-2024, which did not include restrictions on liquidity transfers between subsidiaries.</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:130%">Regarding the net stable funding ratio (NSFR), its definition was approved by the Basel Committee in October 2014. The transposition of this requirement into European regulation took place in June 2019 with the publication in the Official Journal of the European Union of Regulation (EU) 2019/876 of the European Parliament and of the Council of 20 May 2019. The Regulation establishes that entities must have a net stable funding ratio, as defined in the Regulation, above 100% from June 2021.</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:130%">As for the funding structure, given the inherently commercial nature of the Group's balance sheet, the loan portfolio is mainly financed by customer deposits. In note 22, 'Debt securities,' the composition of these liabilities is presented based on their nature and classification, the movements and maturity profile of the debt securities issued by the Group, reflecting the strategy of diversification by products, markets, issuers, and terms followed by the Group in its approach to wholesale markets.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i5ac3dded9c2b440a9266b0423c0b9a10"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">iii. Asset encumbrance</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:130%">Finally, the moderate use of assets by Grupo Santander as collateral in the sources of structural financing of the balance sheet should be highlighted.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">363</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-346"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-53" continuedAt="f-16225-54"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In accordance with the guidelines established by the European Banking Authority (EBA) in 2014 on committed and uncommitted assets, the concept of assets committed in financing transactions (asset encumbrance) includes both on-balance sheet assets provided as collateral in transactions to obtain liquidity and off-balance sheet assets that have been received and reused for similar purposes, as well as other assets associated with liabilities for reasons other than financing.</span></div><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskExplanatory" id="f-18056" continuedAt="f-18056-1" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The residual maturities of the liabilities associated with the assets and guarantees received and committed are presented below, as of 31 of December of 2025 (EUR billion):</span></div></ix:nonNumeric></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><ix:continuation id="f-18056-1"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:12.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.574%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Residual maturities of the liabilities</span></td><td colspan="3" style="padding:2px 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:105%">Unmatured</span></td><td colspan="3" style="padding:2px 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:105%">&lt;=1month</span></td><td colspan="3" style="padding:2px 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:105%">&gt;1 month<br/>&lt;=3 months</span></td><td colspan="3" style="padding:2px 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:105%">&gt;3 months<br/>&lt;=12 months</span></td><td colspan="3" style="padding:2px 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:105%">&gt;1 year<br/>&lt;=2 years</span></td><td colspan="3" style="padding:2px 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:105%">&gt;2 years<br/>&lt;=3 years</span></td><td colspan="3" style="padding:2px 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:105%">3 years<br/>&lt;=5 years</span></td><td colspan="3" style="padding:2px 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:105%">5 years<br/>&lt;=10 years</span></td><td colspan="3" style="padding:2px 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:105%">&gt;10 years</span></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Committed assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7976" decimals="-8" name="san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities" scale="9" id="f-18057">24.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7977" decimals="-8" name="san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities" scale="9" id="f-18058">50.7</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7978" decimals="-8" name="san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities" scale="9" id="f-18059">14.1</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7979" decimals="-8" name="san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities" scale="9" id="f-18060">38.4</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7980" decimals="-8" name="san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities" scale="9" id="f-18061">38.8</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7981" decimals="-8" name="san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities" scale="9" id="f-18062">29.5</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7982" decimals="-8" name="san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities" scale="9" id="f-18063">37.7</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7983" decimals="-8" name="san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities" scale="9" id="f-18064">36.3</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7984" decimals="-8" name="san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities" scale="9" id="f-18065">36.6</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7985" decimals="-8" name="san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities" scale="9" id="f-18066">306.4</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Guarantees received committed</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7986" decimals="-8" name="ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue" scale="9" id="f-18067">2.2</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7987" decimals="-8" name="ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue" scale="9" id="f-18068">85.2</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7988" decimals="-8" name="ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue" scale="9" id="f-18069">28.2</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7989" decimals="-8" name="ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue" scale="9" id="f-18070">61.8</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7990" decimals="-8" name="ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue" scale="9" id="f-18071">4.0</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7991" decimals="-8" name="ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue" scale="9" id="f-18072">0.8</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7992" decimals="-8" name="ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue" scale="9" id="f-18073">1.9</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7993" decimals="-8" name="ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue" scale="9" id="f-18074">1.1</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7994" decimals="-8" name="ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue" format="ixt:fixed-zero" scale="9" id="f-18075">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7995" decimals="-8" name="ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue" scale="9" id="f-18076">185.2</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation><ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfManagingLiquidityRisk" id="f-18077" continuedAt="f-18077-1" escape="true"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The reported Group information as required by the EBA at 2025 year-end is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:31.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.640%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.643%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 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:105%">On-balance-sheet encumbered assets</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR billion</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span 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decimals="-8" name="ifrs-full:Assets" scale="9" id="f-18080">11.4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7998" decimals="-8" name="san:IFRSAssetsFairValueDisclosure" scale="9" id="f-18081">11.4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7999" 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contextRef="c-7995" decimals="-5" name="san:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" scale="9" id="f-18092">185.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-7995" decimals="-5" name="san:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" scale="9" id="f-18093">70.3</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span 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name="san:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" format="ixt:fixed-zero" scale="9" id="f-18095">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8006" decimals="-5" name="san:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" scale="9" id="f-18096">12.2</ix:nonFraction>&#160;</span></td><td 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8010" decimals="-8" name="san:AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue" scale="9" id="f-18105">491.5</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></div></ix:continuation></ix:continuation><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><ix:continuation id="f-16225-55" continuedAt="f-16225-56"><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On-balance-sheet encumbered assets amounted to EUR&#160;<ix:nonFraction unitRef="eur" contextRef="c-7985" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-18106">304,923</ix:nonFraction>&#160;million, of which close to <ix:nonFraction unitRef="number" contextRef="c-8011" decimals="2" name="san:AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal" scale="-2" id="f-18107">50</ix:nonFraction>% are loans (mortgage loans, corporate loans, etc.). Guarantees received committed amounted to EUR <ix:nonFraction unitRef="eur" contextRef="c-7995" decimals="-6" name="ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-18108">185,160</ix:nonFraction>&#160;million, relating mostly to debt securities received as security in asset purchase transactions and re-used. </span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Taken together, these <ix:nonFraction unitRef="remuneration_component" contextRef="c-8012" decimals="INF" name="san:CollateralAssetsNumberOfCategories" format="ixt-sec:numwordsen" scale="0" id="f-18109">two</ix:nonFraction> categories represent a total of EUR <ix:nonFraction unitRef="eur" contextRef="c-8010" decimals="-6" name="san:AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue" format="ixt:num-dot-decimal" scale="6" id="f-18110">491,519</ix:nonFraction>&#160;million of encumbered assets, which give rise to EUR <ix:nonFraction unitRef="eur" contextRef="c-8010" decimals="-6" name="san:AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue" format="ixt:num-dot-decimal" scale="6" id="f-18111">472,045</ix:nonFraction>&#160;million matching liabilities.</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:130%">As</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> of December 2025, total asset encumbrance in funding operations represented <ix:nonFraction unitRef="number" contextRef="c-7958" decimals="3" name="san:AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal" scale="-2" id="f-18112">23.1</ix:nonFraction>% of the Group&#8217;s extended balance sheet under EBA criteria (total assets plus guarantees received: EUR <ix:nonFraction unitRef="eur" contextRef="c-7971" decimals="-6" name="san:TotalEncumberedAssetsCarryingValue" format="ixt:num-dot-decimal" scale="6" id="f-18113">2,122,932</ix:nonFraction>&#160;million), similar to December 2024.</span></div></ix:continuation><div style="margin-bottom:9pt"><span><br/></span></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1189"></div><ix:continuation id="f-16225-56" continuedAt="f-16225-57"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i300abcc3814d43299c237a56b0bccbc4"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d)&#160;Capital risk</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:130%">The second line of defence can independently challenge business and first-line activities by:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Supervising capital planning and adequacy exercises through a review of the main components affecting the capital ratios.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Identifying key metrics to calculate the Group&#8217;s regulatory capital, setting tolerance levels and analysing significant variations, as well as single transactions with impact on capital.</span></div></ix:continuation></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">364</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-347"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-57" continuedAt="f-16225-58"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Reviewing and challenging the execution of capital actions proposed in line with capital planning and risk appetite.</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:130%">Grupo Santander commands a sound solvency position, above the levels required by regulators and by the European Central bank.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ie664c9da0d6b44e3874d8d25732e8429"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Regulatory capital</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:130%">At 31 December 2025, at a consolidated level, the Group must main</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">tain a minimum capital ratio of <ix:nonFraction unitRef="number" contextRef="c-8013" decimals="4" name="san:CommonEquityTierOneCapitalRatio1" scale="-2" id="f-18114">9.84</ix:nonFraction>% of CET1 ( <ix:nonFraction unitRef="number" contextRef="c-8013" decimals="4" name="san:CommonEquityPillarOneCapitalRatio" scale="-2" id="f-18115">4.50</ix:nonFraction>% being the requirement for Pillar I, <ix:nonFraction unitRef="number" contextRef="c-8013" decimals="4" name="san:CommonEquityPillarTwoCapitalRatio" scale="-2" id="f-18116">0.98</ix:nonFraction>% being the requirement for Pillar 2R (requirement), <ix:nonFraction unitRef="number" contextRef="c-8013" decimals="4" name="san:CommonEquityCapitalConservationBufferPercentage" scale="-2" id="f-18117">2.50</ix:nonFraction>% being the requirement for capital conservation&#160;buffer, <ix:nonFraction unitRef="number" contextRef="c-8013" decimals="4" name="san:CommonEquityTierOneCapitalRatioGlobalSystemicallyImportantEntity" scale="-2" id="f-18118">1.25</ix:nonFraction>% being the requirement for global systemically entity (D-SIB), <ix:nonFraction unitRef="number" contextRef="c-2075" decimals="4" name="san:CommonEquityTierOneCapitalCountercyclicalBufferPercentage" scale="-2" id="f-18119">0.55</ix:nonFraction>% being the requirement for anti-cyclical capital buffer) and a systemic risk requirement of <ix:nonFraction unitRef="number" contextRef="c-2075" decimals="4" name="san:CommonEquityTierOneCapitalSystematicRiskRequirement" scale="-2" id="f-18120">0.05</ix:nonFraction>%</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander must also maintain a minimum capital ratio of <ix:nonFraction unitRef="number" contextRef="c-8013" decimals="4" name="san:IFRSTierOneRiskBasedCapitalToRiskWeightedAssets" scale="-2" id="f-18121">11.66</ix:nonFraction>% of tier 1 and a minimum total ratio of <ix:nonFraction unitRef="number" contextRef="c-8013" decimals="4" name="san:IFRSCapitalToRiskWeightedAssets" scale="-2" id="f-18122">14.10</ix:nonFraction>%.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2025, the solvency target set was achieved. Santander&#8217;s CET1 ratio stood at <ix:nonFraction unitRef="number" contextRef="c-2" decimals="4" name="san:CommonEquityTierOneCapitalRatio1" scale="-2" id="f-18123">13.46</ix:nonFraction>%</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">1 </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">at t</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">he close of the&#160;year, demonstrating its organic capacity to generate capital. <ix:nonNumeric contextRef="c-1" name="san:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTableTextBlock" id="f-18124" continuedAt="f-18124-1" escape="true">The key regulatory capital figures are indicated below:</ix:nonNumeric></span></div><ix:continuation id="f-18124-1" continuedAt="f-18124-2"><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"><tr><td style="width:1.0%"/><td style="width:53.389%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.071%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Reconciliation of accounting capital with regulatory capital</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Subscribed capital</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="f-18125">7,345</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="f-18126">7,576</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="f-18127">8,092</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Share premium account</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-18128">36,792</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-18155">15,037</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-18156">16,098</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" 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style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities" format="ixt:num-dot-decimal" scale="6" id="f-18158">9,645</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities" format="ixt:num-dot-decimal" scale="6" id="f-18159">10,371</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities" format="ixt:num-dot-decimal" scale="6" id="f-18160">9,002</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Accrued dividend</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:RegulatoryCapitalAdjustmentAccruedDividend" format="ixt:num-dot-decimal" scale="6" id="f-18161">1,827</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:RegulatoryCapitalAdjustmentAccruedDividend" format="ixt:num-dot-decimal" scale="6" id="f-18162">1,611</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:RegulatoryCapitalAdjustmentAccruedDividend" format="ixt:num-dot-decimal" scale="6" id="f-18163">1,471</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other adjustments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:RegulatoryCapitalOtherAdjustments" format="ixt:num-dot-decimal" scale="6" id="f-18164">11,146</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:RegulatoryCapitalOtherAdjustments" format="ixt:num-dot-decimal" scale="6" id="f-18165">9,817</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:RegulatoryCapitalOtherAdjustments" format="ixt:num-dot-decimal" scale="6" id="f-18166">8,717</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Tier 1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:IfrsCommonEquityTierOneCapital" format="ixt:num-dot-decimal" scale="6" id="f-18167">94,383</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:IfrsCommonEquityTierOneCapital" format="ixt:num-dot-decimal" scale="6" id="f-18168">90,172</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:IfrsCommonEquityTierOneCapital" format="ixt:num-dot-decimal" scale="6" id="f-18169">85,742</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Fundamentally for non-computable non-controlling interests and deductions and reasonable filters in compliance with CRR.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Figures calculated by applying the transitional provisions of CRR 3.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Assumes <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="san:RegulatoryCapitalAdjustmentAccruedDividendOrdinaryProfitAssumptionPercentage" scale="-2" id="f-18170">25</ix:nonFraction>% of underlying profit, see note 4.a for proposed distribution of results.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: Certain figures presented in this capital note have been rounded for ease of presentation. Consequently, the amounts corresponding to the rows or columns of totals in the tables presented in this note may not coincide with the arithmetic sum of the concepts or items that make up the total.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:130%;position:relative;top:-2.44pt;vertical-align:baseline">1 </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">Data calculated applying the transitional provisions of CRR 3.</span></div></ix:continuation></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><ix:continuation id="f-18124-2"><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table shows the capital coefficients and a detail of the eligible internal resources of the Group:</span></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:50.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.951%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Capital coefficients</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level 1 ordinary eligible capital (EUR million)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:CommonEquityTierOneCapitalRequiredForCapitalAdequacy1" format="ixt:num-dot-decimal" scale="6" id="f-18171">84,739</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:CommonEquityTierOneCapitalRequiredForCapitalAdequacy1" format="ixt:num-dot-decimal" scale="6" id="f-18172">79,800</ix:nonFraction></span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:CommonEquityTierOneCapitalRequiredForCapitalAdequacy1" format="ixt:num-dot-decimal" scale="6" id="f-18173">76,741</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Level 1 additional eligible capital (EUR million)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:TierOneCapitalInExcessOfCommonEquityTierOneCapital" format="ixt:num-dot-decimal" scale="6" id="f-18174">9,645</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:TierOneCapitalInExcessOfCommonEquityTierOneCapital" format="ixt:num-dot-decimal" scale="6" id="f-18175">10,371</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:TierOneCapitalInExcessOfCommonEquityTierOneCapital" format="ixt:num-dot-decimal" scale="6" id="f-18176">9,002</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Level 2 eligible capital (EUR million)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:IfrsTierTwoRiskBasedCapital" format="ixt:num-dot-decimal" scale="6" id="f-18177">17,460</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:IfrsTierTwoRiskBasedCapital" format="ixt:num-dot-decimal" scale="6" id="f-18178">18,418</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:IfrsTierTwoRiskBasedCapital" format="ixt:num-dot-decimal" scale="6" id="f-18179">16,497</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Risk-weighted assets (EUR million)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:IfrsRiskWeightedAssets" format="ixt:num-dot-decimal" scale="6" id="f-18180">629,430</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:IfrsRiskWeightedAssets" format="ixt:num-dot-decimal" scale="6" id="f-18181">624,503</ix:nonFraction></span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:IfrsRiskWeightedAssets" format="ixt:num-dot-decimal" scale="6" id="f-18182">623,731</ix:nonFraction></span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Level 1 ordinary capital coefficient (CET 1)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2" decimals="4" name="san:CommonEquityTierOneCapitalRatio1" scale="-2" id="f-18183">13.46</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3" decimals="4" name="san:CommonEquityTierOneCapitalRatio1" scale="-2" id="f-18184">12.78</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-4" decimals="4" name="san:CommonEquityTierOneCapitalRatio1" scale="-2" id="f-18185">12.30</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Level 1 additional capital coefficient (AT1)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2" decimals="4" name="san:TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets" scale="-2" id="f-18186">1.53</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3" decimals="4" name="san:TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets" scale="-2" id="f-18187">1.66</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-4" decimals="4" name="san:TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets" scale="-2" id="f-18188">1.45</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Level 1 capital coefficient (TIER1)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2" decimals="4" name="san:IFRSTierOneRiskBasedCapitalToRiskWeightedAssets" scale="-2" id="f-18189">15.00</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3" decimals="4" name="san:IFRSTierOneRiskBasedCapitalToRiskWeightedAssets" scale="-2" id="f-18190">14.44</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-4" decimals="4" name="san:IFRSTierOneRiskBasedCapitalToRiskWeightedAssets" scale="-2" id="f-18191">13.75</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Level 2 capital coefficient (TIER 2)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2" decimals="4" name="san:IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets" scale="-2" id="f-18192">2.77</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-3" decimals="4" name="san:IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets" scale="-2" id="f-18193">2.95</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-4" decimals="4" name="san:IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets" scale="-2" id="f-18194">2.64</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total capital coefficient</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-2" decimals="4" name="san:IFRSCapitalToRiskWeightedAssets" scale="-2" id="f-18195">17.77</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-3" decimals="4" name="san:IFRSCapitalToRiskWeightedAssets" scale="-2" id="f-18196">17.39</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-4" decimals="4" name="san:IFRSCapitalToRiskWeightedAssets" scale="-2" id="f-18197">16.39</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"> </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:50.751%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.949%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.951%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Eligible&#160;capital</span></td><td colspan="3" style="padding:0 1pt"/><td 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Eligible&#160;capital</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Common Equity Tier I</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:CommonEquityTierOneCapitalRequiredForCapitalAdequacy1" format="ixt:num-dot-decimal" scale="6" id="f-18198">84,739</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:CommonEquityTierOneCapitalRequiredForCapitalAdequacy1" format="ixt:num-dot-decimal" scale="6" id="f-18199">79,800</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:CommonEquityTierOneCapitalRequiredForCapitalAdequacy1" format="ixt:num-dot-decimal" scale="6" id="f-18200">76,741</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Capital</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="f-18201">7,345</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="f-18202">7,576</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="ifrs-full:IssuedCapital" format="ixt:num-dot-decimal" scale="6" id="f-18203">8,092</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(-) Treasure shares and own shares financed</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:TreasurySharesHeldAndFinanced" format="ixt:num-dot-decimal" scale="6" id="f-18204">1,892</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:CapitalReserveCommonEquityTierOneBasis" format="ixt:num-dot-decimal" scale="6" id="f-18211">76,608</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:CapitalReserveCommonEquityTierOneBasis" format="ixt:num-dot-decimal" scale="6" id="f-18212">68,721</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:ProfitLossNetOfDividends" format="ixt:num-dot-decimal" scale="6" id="f-18220">9,431</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:ProfitLossNetOfDividends" format="ixt:num-dot-decimal" scale="6" id="f-18221">8,307</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Deductions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:EligibleCapitalDeductions" format="ixt:num-dot-decimal" scale="6" id="f-18222">21,863</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander 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style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Additional Tier I</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:TierOneCapitalInExcessOfCommonEquityTierOneCapital" format="ixt:num-dot-decimal" scale="6" id="f-18231">9,645</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:TierOneCapitalInExcessOfCommonEquityTierOneCapital" format="ixt:num-dot-decimal" scale="6" id="f-18232">10,371</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:TierOneCapitalInExcessOfCommonEquityTierOneCapital" format="ixt:num-dot-decimal" scale="6" id="f-18233">9,002</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Eligible instruments AT1</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:EligibleCapitalEligibleInstrumentsAdditionalTierOne" format="ixt:num-dot-decimal" scale="6" id="f-18234">8,937</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:EligibleCapitalEligibleInstrumentsAdditionalTierOne" format="ixt:num-dot-decimal" scale="6" id="f-18235">9,725</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:EligibleCapitalEligibleInstrumentsAdditionalTierOne" format="ixt:num-dot-decimal" scale="6" id="f-18236">8,461</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">AT1-excesses-subsidiaries</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:ExcessTierOneRiskBasedCapitalSubsidiaries" scale="6" id="f-18237">708</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:ExcessTierOneRiskBasedCapitalSubsidiaries" scale="6" id="f-18238">645</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:ExcessTierOneRiskBasedCapitalSubsidiaries" scale="6" id="f-18239">541</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tier II</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:IfrsTierTwoRiskBasedCapital" format="ixt:num-dot-decimal" scale="6" id="f-18240">17,460</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:IfrsTierTwoRiskBasedCapital" format="ixt:num-dot-decimal" scale="6" id="f-18241">18,418</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:IfrsTierTwoRiskBasedCapital" format="ixt:num-dot-decimal" scale="6" id="f-18242">16,497</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Eligible instruments T2</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital" format="ixt:num-dot-decimal" scale="6" id="f-18243">17,754</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital" format="ixt:num-dot-decimal" scale="6" id="f-18244">18,869</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital" format="ixt:num-dot-decimal" scale="6" id="f-18245">17,101</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Excess IRB provision on PE</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision" format="ixt:fixed-zero" scale="6" id="f-18246">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision" format="ixt:fixed-zero" scale="6" id="f-18247">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision" scale="6" id="f-18248">76</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:400;line-height:105%">T2-excesses -&#160;subsidiaries</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" sign="-" name="san:ExcessTierTwoRiskBasedCapitalSubsidiaries" scale="6" id="f-18249">294</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" sign="-" name="san:ExcessTierTwoRiskBasedCapitalSubsidiaries" scale="6" id="f-18250">450</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" sign="-" name="san:ExcessTierTwoRiskBasedCapitalSubsidiaries" scale="6" id="f-18251">680</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total eligible capital</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:EligibleCapital" format="ixt:num-dot-decimal" scale="6" id="f-18252">111,845</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:EligibleCapital" format="ixt:num-dot-decimal" scale="6" id="f-18253">108,589</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:EligibleCapital" format="ixt:num-dot-decimal" scale="6" id="f-18254">102,240</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: Banco Santander, S.A. and its affiliates had not taken part in any State aid programmes.</span></div></div></ix:continuation></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">365</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-348"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-16225-58"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i5cacc9f189a042df8bf6418019408da5"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Leverage ratio</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:130%">Basel III established the leverage ratio as a non-risk sensitive measure aimed at limiting excessive balance sheet growth relative to available capital.</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:130%">The Group performs the calculation in accordance with Regulation (EU) 2019/876 of 20 May 2019 amending Regulation (EU) No 575/2013 as regards the leverage ratio.</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:130%">This ratio is calculated as tier&#160;1 capital divided by leverage exposure. Exposure is calculated as the sum of the following items:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Accounting assets, excluding derivatives and items treated as deductions from tier&#160;1 capital (for example, the balance of loans is included, but not that of goodwill) further excluding the exposures referred to in Article 429.a (1) of the regulation.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Off-balance-sheet items (mainly guarantees, unused credit limits granted and documentary credits) weighted using credit conversion factors.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Inclusion of net value of derivatives (gains and losses are netted with the same counterparty, minus collaterals if they comply with certain criteria) plus a charge for the future potential exposure.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">A charge for the potential risk of security funding transactions.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Lastly, it includes a charge for the risk of credit derivative swaps (CDS).</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:130%">With the publication of Regulation (EU) 2019/876 of 20 May, 2019, amending Regulation (EU) n.&#186; 575/2013 as regards the leverage ratio, the final calibration of the ratio is set at 3% for all entities and, for systemic entities G-SIB, is established an additional surcharge which would be 50% of the cushion ratio applicable to the EISM, applicable from January 2023. In addition, modifications are included in its calculation, including the exclusion of certain exposures from the total exposure measure: public loans when exceptional circumstances arise, public loans, transfer loans and officially guaranteed export credits, transfer loans and officially guaranteed export credits.</span></div><ix:nonNumeric contextRef="c-1" name="san:ScheduleOfLeverageCapitalAndRatioTableTextBlock" id="f-18255" escape="true"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"/><td style="width:40.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.346%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Leverage</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Level 1 Capital</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:IfrsTierOneLeverageCapital" format="ixt:num-dot-decimal" scale="6" id="f-18256">94,385</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:IfrsTierOneLeverageCapital" format="ixt:num-dot-decimal" scale="6" id="f-18257">90,170</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:IfrsTierOneLeverageCapital" format="ixt:num-dot-decimal" scale="6" id="f-18258">85,742</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Exposure</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-2" decimals="-6" name="san:TierOneLeverageCapitalExposureAverageAssets" format="ixt:num-dot-decimal" scale="6" id="f-18259">1,924,349</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-3" decimals="-6" name="san:TierOneLeverageCapitalExposureAverageAssets" format="ixt:num-dot-decimal" scale="6" id="f-18260">1,885,572</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-4" decimals="-6" name="san:TierOneLeverageCapitalExposureAverageAssets" format="ixt:num-dot-decimal" scale="6" id="f-18261">1,826,922</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Leverage Ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="4" name="san:IFRSTierOneLeverageCapitalToAverageAssets" scale="-2" id="f-18262">4.90</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-86" decimals="4" name="san:IFRSTierOneLeverageCapitalToAverageAssets" scale="-2" id="f-18263">4.78</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-87" decimals="4" name="san:IFRSTierOneLeverageCapitalToAverageAssets" scale="-2" id="f-18264">4.69</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></div></ix:nonNumeric></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span id="if5d8b6ca095b4d51accfab867239f9b2"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Global systemically important banks</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:130%">Grupo Santander is one of <ix:nonFraction unitRef="banks" contextRef="c-1" decimals="INF" name="san:NumberOfBanksDesignatedAsGlobalSystemicallyImportantBanks" scale="0" id="f-18265">29</ix:nonFraction> banks designated as global systemically important banks (G-SIBs).</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:130%">The designation as a globally systemic entity comes from a measurement established by the regulators (FSB and BCBS) that they have implemented based on <ix:nonFraction unitRef="indicator" contextRef="c-1" decimals="INF" name="san:GlobalSystemicallyImportantBankDesignationNumberOfCriteria" format="ixt-sec:numwordsen" scale="0" id="f-18266">five</ix:nonFraction> indicators (size, interjurisdictional activity, interconnection with other financial entities, substitutability and complexity). The list uses data as of the end of 2024 and is based on a methodology agreed in July 2018 and implemented for the first time in the assessment of G-SIBs as of the end of 2021, incorporating, among other things, an additional score considering the Member States of the SRM as a single jurisdiction.</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:130%">This definition means it has to fulfil certain additional requirements, which consist mainly of a capital buffer (<ix:nonFraction unitRef="number" contextRef="c-1" decimals="INF" name="san:GlobalSystemicallyImportantBanksCapitalBufferPercentage" scale="-2" id="f-18267">1</ix:nonFraction>%), in TLAC requirements (total loss absorbing capacity), that Grupo Santander has to publish relevant information more frequently than other banks, greater regulatory requirements for internal control bodies, special supervision and drawing up of special reports to be submitted to supervisors.</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:130%">Additionally, Grupo Santander appears both on the list of global systemic entities and on the list of domestic systemic entities. Bank of Spain, based on rule 23 of Circular 2/2016, requires the application of the highest of the <ix:nonFraction unitRef="branch" contextRef="c-2" decimals="INF" name="san:NumberOfCapitalBuffer" format="ixt-sec:numwordsen" scale="0" id="f-18268">two</ix:nonFraction> corresponding buffers, in the case of Grupo Santander being the domestic one, <ix:nonFraction unitRef="number" contextRef="c-1" decimals="4" name="san:DomesticSystemicallyImportantEntitiesCapitalBufferPercentage" scale="-2" id="f-18269">1.25</ix:nonFraction>%, a surcharge payable by 2025.</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:130%">The fact that Grupo Santander has to comply with these requirements makes it a more solid bank than its domestic rivals.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">366</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1195"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-349"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:46.360%"><div style="margin-bottom:6pt;margin-top:24pt"><span id="iac97f74d742a41cc80c5d728236ec37a"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">55. <ix:nonNumeric contextRef="c-1" name="san:DisclosureOfParentFinancialStatementsAndPreferenceSharesAndPreferredSecuritiesTextBlock" id="f-18270" continuedAt="f-18270-1" escape="true">Additional disclosures</ix:nonNumeric></span></div><ix:continuation id="f-18270-1" continuedAt="f-18270-2"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This note includes relevant information about additional disclosure requirements.</span></div></ix:continuation></div><div style="display:inline-block;max-width:7.277%;min-width:6.277%;vertical-align:top"></div><ix:continuation id="f-18270-2" continuedAt="f-18270-3"><div style="display:inline-block;vertical-align:top;width:46.363%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="ifcd6e767776e4c7cb70d6c36c2bfae2e"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">55.1 Parent company financial statements</span></div><ix:nonNumeric contextRef="c-1" name="srt:ScheduleOfCondensedBalanceSheetTableTextBlock" id="f-18271" continuedAt="f-18271-1" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following are the summarized balance sheets of Banco Santander, S.A. as of 31 December 2025, 2024 and 2023.  In the financial information of the Parent company, investments in subsidiaries, jointly controlled entities and associates are recorded at cost. As of 31 December 2025 we have reclassified 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 </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_883">note 3</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> above.</span></div></ix:nonNumeric></div></ix:continuation></div><ix:continuation id="f-18271-1"><ix:continuation id="f-18270-3" continuedAt="f-18270-4"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:506.25pt"><tr><td style="width:1.0pt"/><td style="width:322.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:55.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:55.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:55.00pt"/><td style="width:1.0pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 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:105%">EUR million </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:21pt"><td colspan="3" style="padding:2px 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:105%">CONDENSED&#160;BALANCE&#160;SHEETS (Parent&#160;company&#160;only)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">31 December 2025</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">31 December 2024</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 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:105%">31 December 2023</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 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:105%">Cash and due from banks</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8014" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-18272">144,292</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8015" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-18273">157,665</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8016" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-18274">172,524</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8017" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-18275">11,517</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8018" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-18276">5,952</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8019" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-18277">6,834</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 7pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Trading account assets</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8014" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-18278">154,939</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td 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name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-18280">102,296</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Investment securities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8014" decimals="-6" name="san:InvestmentSecurities" format="ixt:num-dot-decimal" scale="6" id="f-18281">91,217</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8015" decimals="-6" name="san:InvestmentSecurities" format="ixt:num-dot-decimal" scale="6" id="f-18282">77,230</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8016" decimals="-6" name="san:InvestmentSecurities" format="ixt:num-dot-decimal" scale="6" id="f-18283">63,325</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8017" decimals="-6" name="san:InvestmentSecurities" format="ixt:num-dot-decimal" scale="6" id="f-18284">13,607</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8018" decimals="-6" name="san:InvestmentSecurities" format="ixt:num-dot-decimal" scale="6" id="f-18285">16,191</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8019" decimals="-6" name="san:InvestmentSecurities" format="ixt:num-dot-decimal" scale="6" id="f-18286">16,137</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8020" decimals="-6" name="san:InvestmentSecurities" format="ixt:num-dot-decimal" scale="6" id="f-18287">1,697</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8021" decimals="-6" name="san:InvestmentSecurities" format="ixt:num-dot-decimal" scale="6" id="f-18288">1,005</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8022" decimals="-6" name="san:InvestmentSecurities" format="ixt:num-dot-decimal" scale="6" id="f-18289">1,229</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Net loans and leases</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8014" decimals="-6" name="san:LoansAndLeasesNet" format="ixt:num-dot-decimal" scale="6" id="f-18290">323,253</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8015" decimals="-6" name="san:LoansAndLeasesNet" format="ixt:num-dot-decimal" scale="6" id="f-18291">301,937</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8016" decimals="-6" name="san:LoansAndLeasesNet" format="ixt:num-dot-decimal" scale="6" id="f-18292">298,068</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8020" decimals="-6" name="san:LoansAndLeasesNet" format="ixt:num-dot-decimal" scale="6" id="f-18293">23,340</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8021" decimals="-6" name="san:LoansAndLeasesNet" format="ixt:num-dot-decimal" scale="6" id="f-18294">21,127</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8022" decimals="-6" name="san:LoansAndLeasesNet" format="ixt:num-dot-decimal" scale="6" id="f-18295">22,435</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Investment in affiliated companies</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8014" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-18296">98,317</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8015" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-18297">100,045</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8016" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-18298">99,326</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8017" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-18299">71,796</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8018" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-18300">74,624</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8019" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-18301">74,016</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8020" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-18302">26,521</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8021" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-18303">25,421</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8022" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-18304">25,310</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Premises and equipment, net</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8014" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-18305">5,825</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8015" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-18306">6,219</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8016" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-18307">6,368</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other assets</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8014" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-18308">18,941</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8015" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-18309">15,986</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8016" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-18310">15,435</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total assets</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8014" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-18311">836,784</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8015" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-18312">794,840</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8016" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-18313">757,342</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Deposits</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8014" decimals="-6" name="san:DepositLiability" format="ixt:num-dot-decimal" scale="6" id="f-18314">415,898</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8015" decimals="-6" name="san:DepositLiability" format="ixt:num-dot-decimal" scale="6" id="f-18315">393,787</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8016" decimals="-6" name="san:DepositLiability" format="ixt:num-dot-decimal" scale="6" id="f-18316">398,374</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8017" decimals="-6" name="san:DepositLiability" format="ixt:num-dot-decimal" scale="6" id="f-18317">8,773</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8018" decimals="-6" name="san:DepositLiability" format="ixt:num-dot-decimal" scale="6" id="f-18318">6,645</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8019" decimals="-6" name="san:DepositLiability" format="ixt:num-dot-decimal" scale="6" id="f-18319">7,832</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8020" decimals="-6" name="san:DepositLiability" format="ixt:num-dot-decimal" scale="6" id="f-18320">26,412</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8021" decimals="-6" name="san:DepositLiability" format="ixt:num-dot-decimal" scale="6" id="f-18321">19,176</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8022" decimals="-6" name="san:DepositLiability" format="ixt:num-dot-decimal" scale="6" id="f-18322">14,610</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Short-term debt</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8014" decimals="-6" name="ifrs-full:ShorttermBorrowings" format="ixt:num-dot-decimal" scale="6" id="f-18323">129,462</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8015" decimals="-6" name="ifrs-full:ShorttermBorrowings" format="ixt:num-dot-decimal" scale="6" id="f-18324">88,263</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8016" decimals="-6" name="ifrs-full:ShorttermBorrowings" format="ixt:num-dot-decimal" scale="6" id="f-18325">70,771</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Long-term debt</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8014" decimals="-6" name="ifrs-full:LongtermBorrowings" format="ixt:num-dot-decimal" scale="6" id="f-18326">114,756</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8015" decimals="-6" name="ifrs-full:LongtermBorrowings" format="ixt:num-dot-decimal" scale="6" id="f-18327">137,549</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8016" decimals="-6" name="ifrs-full:LongtermBorrowings" format="ixt:num-dot-decimal" scale="6" id="f-18328">129,258</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Total debt</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8014" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-18329">244,218</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8015" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-18330">225,812</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" 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style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8019" decimals="-6" name="ifrs-full:Borrowings" format="ixt:fixed-zero" scale="6" id="f-18334">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8020" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-18335">1,363</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8021" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-18336">2,428</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8022" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-18337">1,816</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8014" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-18338">94,325</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8015" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-18339">96,909</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8016" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-18340">84,065</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8014" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-18341">754,441</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8015" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-18342">716,508</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8016" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-18343">682,468</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 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scale="6" id="f-18347">74,998</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8015" decimals="-6" name="san:RetainedEarningsAndOtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-18348">70,756</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total stockholders' equity</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8014" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-18350">82,343</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8015" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-18351">78,332</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8016" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-18352">74,874</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total liabilities and Stockholders&#8217; Equity</span></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8014" decimals="-6" name="ifrs-full:EquityAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-18353">836,784</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8015" decimals="-6" name="ifrs-full:EquityAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-18354">794,840</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8016" decimals="-6" name="ifrs-full:EquityAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-18355">757,342</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">367</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-350"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:nonNumeric contextRef="c-1" name="srt:ScheduleOfCondensedIncomeStatementTableTextBlock" id="f-18356" escape="true"><ix:continuation id="f-18270-4" continuedAt="f-18270-5"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following are the condensed statements of income of Banco Santander, S.A. for the years ended 31 December 2025, 2024 and 2023. Results associated with the businesses held for sale in Poland have been reclassified to 'Income/(charges) after tax from discontinued operations' for all periods presented. See </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_883">note 3</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> above.</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:488.25pt"><tr><td style="width:1.0pt"/><td style="width:304.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:55.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:55.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:55.00pt"/><td style="width:1.0pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 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:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year ended</span></td></tr><tr style="height:21pt"><td colspan="3" style="padding:2px 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:105%">CONDENSED&#160;STATEMENTS&#160;OF&#160;INCOME (Parent&#160;company&#160;only)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">31 December 2025</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest income</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="f-18357">31,363</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="f-18358">34,752</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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name="ifrs-full:RevenueFromDividends" format="ixt:num-dot-decimal" scale="6" id="f-18364">7,113</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:RevenueFromDividends" format="ixt:num-dot-decimal" scale="6" id="f-18365">8,805</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;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:105%">From bank subsidiaries</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" 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name="ifrs-full:RevenueFromDividends" format="ixt:num-dot-decimal" scale="6" id="f-18367">6,248</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8031" decimals="-6" name="ifrs-full:RevenueFromDividends" format="ixt:num-dot-decimal" scale="6" id="f-18368">7,790</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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decimals="-6" name="ifrs-full:InterestExpense" format="ixt:num-dot-decimal" scale="6" id="f-18374">16,204</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest income / (charges)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="san:InterestIncomeExpenseNetPlusDividendsFromAffiliates" format="ixt:num-dot-decimal" scale="6" id="f-18375">13,193</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="san:InterestIncomeExpenseNetPlusDividendsFromAffiliates" format="ixt:num-dot-decimal" scale="6" id="f-18376">14,640</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text 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0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Non-interest income</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="san:OtherOperatingIncome1" format="ixt:num-dot-decimal" scale="6" id="f-18384">6,981</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="san:OtherOperatingIncome1" format="ixt:num-dot-decimal" scale="6" id="f-18385">5,502</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="san:OtherOperatingIncome1" format="ixt:num-dot-decimal" scale="6" id="f-18386">4,777</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Non-interest expense</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="san:OtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-18387">7,848</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="san:OtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-18388">8,552</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="san:OtherOperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-18389">9,662</ix:nonFraction>)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Income before income taxes</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-18390">11,164</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-18391">10,256</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-18392">9,393</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Tax expense or income from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-18393">1,073</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-18394">1,091</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-18395">533</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Income/ (charges) for the period from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-18396">10,092</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-18397">9,167</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-18398">8,860</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Income/ (charges) after tax from discontinued operations</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-18399">1,021</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" scale="6" id="f-18400">935</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" scale="6" id="f-18401">378</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net income</span></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-18402">11,113</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-18403">10,101</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-18404">9,239</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:nonNumeric><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">368</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-351"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:nonNumeric contextRef="c-1" name="srt:CondensedStatementOfComprehensiveIncomeTableTextBlock" id="f-18405" escape="true"><ix:continuation id="f-18270-5" continuedAt="f-18270-6"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following are the condensed statements of comprehensive income of Banco Santander, S.A. for the years ended 31 December 2025, 2024 and 2023:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:488.25pt"><tr><td style="width:1.0pt"/><td style="width:304.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:55.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:55.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:55.00pt"/><td style="width:1.0pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year ended </span></td></tr><tr style="height:21pt"><td colspan="3" style="padding:2px 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:105%">CONDENSED&#160;STATEMENTS&#160;OF COMPREHENSIVE&#160;INCOME&#160;(Parent&#160;company&#160;only)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">31 December 2025</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text 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name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-18408">9,239</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">OTHER COMPREHENSIVE INCOME </span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" scale="6" id="f-18409">79</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:OtherComprehensiveIncome" scale="6" id="f-18410">730</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td 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decimals="-6" name="san:OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" scale="6" id="f-18415">283</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="san:OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" format="ixt:fixed-zero" scale="6" id="f-18416">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="san:ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" format="ixt:fixed-zero" scale="6" id="f-18422">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="san:ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" format="ixt:fixed-zero" scale="6" id="f-18423">&#8212;</ix:nonFraction>&#160;</span></td><td 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style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="san:OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" format="ixt:fixed-zero" scale="6" id="f-18425">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="san:OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" format="ixt:fixed-zero" scale="6" id="f-18426">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt instruments at fair value with changes in other comprehensive income</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-18427">27</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-18428">28</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-18429">104</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Revaluation gains (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" scale="6" id="f-18430">36</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" scale="6" id="f-18431">55</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" scale="6" id="f-18432">65</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" scale="6" id="f-18433">63</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" scale="6" id="f-18434">84</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" scale="6" id="f-18435">39</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="san:OtherReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" format="ixt:fixed-zero" scale="6" id="f-18436">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="san:OtherReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" format="ixt:fixed-zero" scale="6" id="f-18437">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="san:OtherReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" format="ixt:fixed-zero" scale="6" id="f-18438">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cash flow hedges:</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxCashFlowHedges" scale="6" id="f-18439">100</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxCashFlowHedges" scale="6" id="f-18440">409</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxCashFlowHedges" scale="6" id="f-18441">284</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Revaluation gains/(losses)</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnCashFlowHedgesBeforeTax" scale="6" id="f-18442">79</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:GainsLossesOnCashFlowHedgesBeforeTax" scale="6" id="f-18443">140</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnCashFlowHedgesBeforeTax" scale="6" id="f-18444">70</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander 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name="san:ReclassificationToInitialCarryingAmountOfHedgedItems" format="ixt:fixed-zero" scale="6" id="f-18449">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="san:ReclassificationToInitialCarryingAmountOfHedgedItems" format="ixt:fixed-zero" scale="6" id="f-18450">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="san:OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" format="ixt:fixed-zero" scale="6" id="f-18451">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid 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id="f-18453">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 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:400;line-height:105%">Hedges of net investments in foreign operations</span></div></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" format="ixt:fixed-zero" scale="6" id="f-18454">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" format="ixt:fixed-zero" scale="6" id="f-18455">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" format="ixt:fixed-zero" scale="6" id="f-18456">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Exchange differences</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 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id="f-18458">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" format="ixt:fixed-zero" scale="6" id="f-18459">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:fixed-zero" scale="6" id="f-18461">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:fixed-zero" scale="6" id="f-18462">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:fixed-zero" scale="6" id="f-18463">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:fixed-zero" scale="6" id="f-18464">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:fixed-zero" scale="6" id="f-18465">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="san:OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:fixed-zero" scale="6" id="f-18466">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="san:OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:fixed-zero" scale="6" id="f-18467">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="san:OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" format="ixt:fixed-zero" scale="6" id="f-18468">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="san:OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-18470">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="san:OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale" format="ixt:fixed-zero" scale="6" id="f-18471">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Income tax</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" scale="6" id="f-18472">42</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" scale="6" id="f-18473">132</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" scale="6" id="f-18474">112</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Items that will not be reclassified to profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander 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id="f-18476">425</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" scale="6" id="f-18477">333</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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name="ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-18480">14</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:21pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other recognised income and expense of investments in subsidiaries, joint ventures and associates</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" format="ixt:fixed-zero" scale="6" id="f-18481">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" format="ixt:fixed-zero" scale="6" id="f-18482">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" format="ixt:fixed-zero" scale="6" id="f-18483">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:21pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-18484">100</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-18485">262</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-18486">250</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:21pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">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="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-18487">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-18488">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" format="ixt:fixed-zero" scale="6" id="f-18489">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:21pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedged item)</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" sign="-" name="san:OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" scale="6" id="f-18490">76</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="san:OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" scale="6" id="f-18491">20</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" sign="-" name="san:OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" scale="6" id="f-18492">31</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:21pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedging instrument)</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="san:OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" scale="6" id="f-18493">76</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" sign="-" name="san:OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" scale="6" id="f-18494">20</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="san:OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" scale="6" id="f-18495">31</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:21pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">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="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-18496">136</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-18497">247</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-18498">107</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Income tax relating to items that will not be reclassified</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="f-18499">27</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="f-18500">68</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" scale="6" id="f-18501">38</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 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:105%">TOTAL COMPREHENSIVE INCOME</span></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-18502">11,034</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-18503">10,831</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-18504">9,182</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:nonNumeric><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">369</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-352"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-18270-6" continuedAt="f-18270-7"><ix:nonNumeric contextRef="c-1" name="srt:ScheduleOfCondensedCashFlowStatementTableTextBlock" id="f-18505" escape="true"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following are the condensed cash flow statements of Banco Santander, S.A. for the years ended 31 December 2025, 2024 and 2023.</span></div><div style="margin-bottom:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:506.25pt"><tr><td style="width:1.0pt"/><td style="width:322.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:55.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:55.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:55.00pt"/><td style="width:1.0pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year ended </span></td></tr><tr style="height:21pt"><td colspan="3" style="padding:2px 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:105%">CONDENSED CASH FLOW STATEMENTS (Parent company only)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">31 December 2025</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">1. Cash flows from operating activities</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Consolidated profit</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-18506">11,113</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-18507">10,101</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-18508">9,239</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Adjustments to profit</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" sign="-" name="ifrs-full:AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital" format="ixt:num-dot-decimal" scale="6" id="f-18509">1,119</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" sign="-" name="ifrs-full:AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital" format="ixt:num-dot-decimal" scale="6" id="f-18510">4,439</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" sign="-" name="ifrs-full:AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital" format="ixt:num-dot-decimal" scale="6" id="f-18511">3,746</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Net increase/decrease in operating assets</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" sign="-" name="san:AdjustmentsForDecreaseIncreaseInOperatingAssets" format="ixt:num-dot-decimal" scale="6" id="f-18512">60,570</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" sign="-" name="san:AdjustmentsForDecreaseIncreaseInOperatingAssets" format="ixt:num-dot-decimal" scale="6" id="f-18513">63,686</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" sign="-" name="san:AdjustmentsForDecreaseIncreaseInOperatingAssets" format="ixt:num-dot-decimal" scale="6" id="f-18514">6,765</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Net increase/decrease in operating liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="san:AdjustmentsForIncreaseDecreaseInOperatingLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-18515">41,113</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="san:AdjustmentsForIncreaseDecreaseInOperatingLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-18516">27,480</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" sign="-" name="san:AdjustmentsForIncreaseDecreaseInOperatingLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-18517">6,880</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Reimbursements/payments of income tax</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities" scale="6" id="f-18518">862</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities" scale="6" id="f-18519">591</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities" scale="6" id="f-18520">360</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total net cash flows from operating activities (1)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-18521">10,325</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-18522">31,135</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-18523">8,512</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 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:105%">2. Cash flows from investing activities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Investments (-)</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:OutflowsOfCashFromInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-18524">4,231</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:OutflowsOfCashFromInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-18525">2,915</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:OutflowsOfCashFromInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-18526">5,458</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Divestments (+)</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:InflowsOfCashFromInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-18527">9,210</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:InflowsOfCashFromInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-18528">9,544</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:InflowsOfCashFromInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-18529">10,880</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total net cash flows from investment activities (2)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:CashFlowsFromUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-18530">4,979</ix:nonFraction></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:CashFlowsFromUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-18531">6,629</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:CashFlowsFromUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-18532">5,422</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 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:105%">3. Cash flows from financing activities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Issuance of own equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:ProceedsFromIssuingShares" format="ixt:fixed-zero" scale="6" id="f-18533">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:ProceedsFromIssuingShares" format="ixt:fixed-zero" scale="6" id="f-18534">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:ProceedsFromIssuingShares" format="ixt:fixed-zero" scale="6" id="f-18535">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Disposal of own equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:ProceedsFromSaleOrIssueOfTreasuryShares" scale="6" id="f-18536">578</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:ProceedsFromSaleOrIssueOfTreasuryShares" scale="6" id="f-18537">485</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:ProceedsFromSaleOrIssueOfTreasuryShares" scale="6" id="f-18538">649</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Acquisition of own equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="san:PaymentsToAcquireEntityShares" format="ixt:num-dot-decimal" scale="6" id="f-18539">3,865</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="san:PaymentsToAcquireEntityShares" format="ixt:num-dot-decimal" scale="6" id="f-18540">3,740</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="san:PaymentsToAcquireEntityShares" format="ixt:num-dot-decimal" scale="6" id="f-18541">2,974</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Issuance of debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:ProceedsFromIssueOfBondsNotesAndDebentures" format="ixt:num-dot-decimal" scale="6" id="f-18542">1,852</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:ProceedsFromIssueOfBondsNotesAndDebentures" format="ixt:num-dot-decimal" scale="6" id="f-18543">5,625</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:ProceedsFromIssueOfBondsNotesAndDebentures" format="ixt:num-dot-decimal" scale="6" id="f-18544">5,636</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Redemption of debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:RepaymentsOfBondsNotesAndDebentures" format="ixt:num-dot-decimal" scale="6" id="f-18545">8,310</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:RepaymentsOfBondsNotesAndDebentures" format="ixt:num-dot-decimal" scale="6" id="f-18546">3,615</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:RepaymentsOfBondsNotesAndDebentures" format="ixt:num-dot-decimal" scale="6" id="f-18547">1,813</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Dividends paid</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-18548">3,341</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-18549">3,017</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-18550">2,261</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Issuance/Redemption of equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" name="san:IssuanceRedemptionOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-18551">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="san:IssuanceRedemptionOfTreasuryShares" scale="6" id="f-18552">751</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" name="san:IssuanceRedemptionOfTreasuryShares" format="ixt:fixed-zero" scale="6" id="f-18553">&#8212;</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other collections/payments related to financing activities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" sign="-" name="ifrs-full:OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities" scale="6" id="f-18554">141</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" sign="-" name="ifrs-full:OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities" scale="6" id="f-18555">300</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" sign="-" name="ifrs-full:OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities" scale="6" id="f-18556">166</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total net cash flows from financing activities (3)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-18557">13,227</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-18558">5,313</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" scale="6" id="f-18559">929</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">4. Effect of exchange rate changes on cash and cash equivalents (4)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" sign="-" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-18560">4,099</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-18561">2,256</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" sign="-" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-18562">1,044</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">5. Net increase/decrease in cash and cash equivalents (1+2+3+4)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8023" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-18563">22,671</ix:nonFraction>)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8024" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-18564">27,563</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(<ix:nonFraction unitRef="eur" contextRef="c-8025" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInCashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-18565">5,063</ix:nonFraction>)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cash and cash equivalents at beginning of period</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8015" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-18566">97,457</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8016" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-18567">125,020</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8035" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-18568">130,083</ix:nonFraction>&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cash and cash equivalents at end of period</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8014" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-18569">74,786</ix:nonFraction>&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8015" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-18570">97,457</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8016" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-18571">125,020</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:46.360%"><div style="margin-bottom:3pt"><span id="i6de08f1d4e4e493fa824dcebd7740f22"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">55.2 Preference shares and preferred securities</span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfBalanceOfPreferenceSharesAndPreferredSecuritiesTableTextBlock" id="f-18572" escape="true"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table shows the balance of the preference shares and preferred securities as of 31 December 2025, 2024 and 2023:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:234.75pt"><tr><td style="width:1.0pt"/><td style="width:86.50pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:43.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:43.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:43.00pt"/><td style="width:1.0pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 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:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Preference shares</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8036" decimals="-6" name="ifrs-full:SubordinatedLiabilities" scale="6" id="f-18573">201</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8037" decimals="-6" name="ifrs-full:SubordinatedLiabilities" scale="6" id="f-18574">211</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8038" decimals="-6" name="ifrs-full:SubordinatedLiabilities" scale="6" id="f-18575">202</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid 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name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-18581">9,283</ix:nonFraction></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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 31 December 2025, 2024 and 2023.</span></div></div><div style="display:inline-block;max-width:7.277%;min-width:6.277%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:46.363%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Preference shares include non-cumulative preferred non-voting shares issued by Santander UK plc.</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:130%">Preferred securities include non-cumulative preferred non-voting securities issued by Banco Santander, S.A.</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:130%">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 the obtainment of sufficient distributable profit and upon the limits imposed by Spanish banking regulations on equity.</span></div></div></div></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">370</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-353"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-18270-7"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:46.360%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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 for by third parties outside the Group. </span></div></div><div style="display:inline-block;max-width:7.277%;min-width:6.277%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:46.363%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Santander Finance Preferred, S.A. (Unipersonal)- issuer of registered securities guaranteed by Banco Santander, S.A. until November 2017, merged in that month with Banco Santander, S.A.</span></div></div></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:130%">For further information, see note </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_982">23.c. 'Subordinated liabilities-other disclosures'.</a></span></div><ix:nonNumeric contextRef="c-1" name="san:DisclosureOfPreferenceSharesAndPreferredSecuritiesByIssuerTableTextBlock" id="f-18582" escape="true"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:506.25pt"><tr><td style="width:1.0pt"/><td style="width:235.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:69.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:55.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:55.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:13.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:55.00pt"/><td style="width:1.0pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Outstanding at 31 December 2025</span></td></tr><tr style="height:29pt"><td colspan="3" style="padding:2px 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:105%">Preference Shares Issuer/Date of issue</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Currency</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Amount in currency (million)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Redemption <br/>Option (A)</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Santander UK plc, October 1995</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pounds Sterling</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbp" contextRef="c-8045" decimals="-5" name="ifrs-full:SubordinatedLiabilities" scale="6" id="f-18583">80.3</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-8045" decimals="INF" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18584">10.375</ix:nonFraction>%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">No option</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Santander UK plc, February 1996</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pounds Sterling</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="gbp" contextRef="c-8046" decimals="-5" name="ifrs-full:SubordinatedLiabilities" scale="6" id="f-18585">80.3</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-8046" decimals="INF" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18586">10.375</ix:nonFraction>%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">No option</span></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:506.25pt"><tr><td style="width:1.0pt"/><td style="width:238.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:13.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:42.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:55.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:57.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:16.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:61.00pt"/><td style="width:1.0pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Outstanding at 31 December 2025</span></td></tr><tr style="height:29pt"><td colspan="3" style="padding:2px 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:105%">Preferred Securities Issuer/Date of issue</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Currency</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Amount in <br/>currency<br/>(million)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest&#160;rate</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Maturity&#160;date</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., January 2020</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Euro</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><ix:nonFraction unitRef="eur" contextRef="c-8047" decimals="-5" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-18587">1,032.4</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-8047" decimals="INF" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18588">4.375</ix:nonFraction>%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(B)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., May 2021</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US Dollar</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="usd" contextRef="c-8048" decimals="-5" name="ifrs-full:SubordinatedLiabilities" scale="6" id="f-18589">999.9</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-8048" decimals="INF" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18590">4.750</ix:nonFraction>%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(C)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., May 2021</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Euro</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8049" decimals="-5" name="ifrs-full:SubordinatedLiabilities" scale="6" id="f-18591">749.2</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-8049" decimals="INF" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18592">4.125</ix:nonFraction>%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(D)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., September 2021</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Euro</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8050" decimals="-5" name="ifrs-full:SubordinatedLiabilities" scale="6" id="f-18593">994.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-8050" decimals="INF" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18594">3.625</ix:nonFraction>%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(E)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., November 2023</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US Dollar</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="usd" contextRef="c-8051" decimals="-5" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-18595">1,149.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-8051" decimals="INF" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18596">9.625</ix:nonFraction>%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(F)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., November 2023</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US Dollar</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="usd" contextRef="c-8052" decimals="-5" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-18597">1,349.7</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-8052" decimals="INF" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18598">9.625</ix:nonFraction>%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(G)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., May 2024</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Euro</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8053" decimals="-5" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-18599">1,500.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-8053" decimals="4" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18600">7.00</ix:nonFraction>%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(H)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., August 2024</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US Dollar</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="usd" contextRef="c-8054" decimals="-5" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-18601">1,494.5</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-8054" decimals="4" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18602">8.00</ix:nonFraction>%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(I)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., July 2025</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Euro</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8055" decimals="-5" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-18603">1,500.0</ix:nonFraction>&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%"><ix:nonFraction unitRef="number" contextRef="c-8055" decimals="4" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18604">6.00</ix:nonFraction>%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(J)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:45pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Santander Finance Preferred, S.A. (Unipersonal), September 2004</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Euro</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%"><ix:nonFraction unitRef="eur" contextRef="c-8056" decimals="-5" name="ifrs-full:SubordinatedLiabilities" scale="6" id="f-18605">143.8</ix:nonFraction>&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8364;CMS 10 + <ix:nonFraction unitRef="number" contextRef="c-8056" decimals="4" name="ifrs-full:BorrowingsAdjustmentToInterestRateBasis" scale="-2" id="f-18606">0.05</ix:nonFraction>% subject to a maximum distribution of <ix:nonFraction unitRef="number" contextRef="c-8056" decimals="4" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18607">8</ix:nonFraction>% per annum</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:46.360%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:107.25pt"><tr><td style="width:1.0pt"/><td style="width:105.25pt"/><td style="width:1.0pt"/></tr><tr style="height:3pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="padding-left:7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:7.277%;min-width:6.277%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:46.363%"></div></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.From these dates the issuer can redeem the shares, subject to prior authorization by the national supervisor.</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Payment is subject to certain conditions and to the discretion of Banco Santander. The <ix:nonFraction unitRef="number" contextRef="c-8057" decimals="INF" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18608">4.375</ix:nonFraction>% interest rate is set for the first <ix:nonNumeric contextRef="c-8058" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-18609">six years</ix:nonNumeric>. After that, it will be reviewed every <ix:nonNumeric contextRef="c-8058" name="san:SubordinatedIssueInterestRateRepriceTerm" format="ixt-sec:duryear" id="f-18610">5</ix:nonNumeric> years by applying a margin of <ix:nonFraction unitRef="number" contextRef="c-8059" decimals="INF" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-18611">453.4</ix:nonFraction> basis point on the <ix:nonNumeric contextRef="c-8058" name="san:SubordinatedIssueMidSwapRateTerm" format="ixt-sec:duryear" id="f-18612">5</ix:nonNumeric>-year mid-swap rate.</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.Payment is subject to certain conditions and to the discretion of Banco Santander. The <ix:nonFraction unitRef="number" contextRef="c-8060" decimals="INF" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18613">4.750</ix:nonFraction>% interest rate is set  for the first <ix:nonNumeric contextRef="c-8061" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-18614">six years</ix:nonNumeric>, revised every <ix:nonNumeric contextRef="c-8061" name="san:SubordinatedIssueInterestRateRepriceTerm" format="ixt-sec:duryear" id="f-18615">5</ix:nonNumeric> years thereafter by applying a margin of <ix:nonFraction unitRef="number" contextRef="c-8062" decimals="INF" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-18616">375.3</ix:nonFraction> basis points over the <ix:nonNumeric contextRef="c-8061" name="san:SubordinatedIssueMidSwapRateTerm" format="ixt-sec:duryear" id="f-18617">5</ix:nonNumeric>-year UST rate.</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.Payment is subject to certain conditions and to the discretion of Banco Santander. The <ix:nonFraction unitRef="number" contextRef="c-8063" decimals="INF" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18618">4.125</ix:nonFraction>% interest rate is set for the first <ix:nonNumeric contextRef="c-8064" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-18619">seven years</ix:nonNumeric>, revised every <ix:nonNumeric contextRef="c-8064" name="san:SubordinatedIssueInterestRateRepriceTerm" format="ixt-sec:duryear" id="f-18620">5</ix:nonNumeric> years thereafter by applying a margin of <ix:nonFraction unitRef="number" contextRef="c-8065" decimals="INF" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-18621">431.1</ix:nonFraction> basis points over the applicable <ix:nonNumeric contextRef="c-8064" name="san:SubordinatedIssueMidSwapRateTerm" format="ixt-sec:duryear" id="f-18622">5</ix:nonNumeric>-year Euro mid-swap.</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E. Payment is subject to certain conditions and to the discretion of Banco Santander. The <ix:nonFraction unitRef="number" contextRef="c-8066" decimals="INF" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18623">3.625</ix:nonFraction>% interest rate is set  for the first <ix:nonNumeric contextRef="c-8067" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-18624">eight years</ix:nonNumeric>, revised every <ix:nonNumeric contextRef="c-8067" name="san:SubordinatedIssueInterestRateRepriceTerm" format="ixt-sec:duryear" id="f-18625">5</ix:nonNumeric> years thereafter by applying a margin of <ix:nonFraction unitRef="number" contextRef="c-8068" decimals="INF" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-18626">376</ix:nonFraction> basis points over the <ix:nonNumeric contextRef="c-8067" name="san:SubordinatedIssueMidSwapRateTerm" format="ixt-sec:duryear" id="f-18627">5</ix:nonNumeric>-year mid-swap rate.</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F. Payment is subject to certain conditions and to the discretion of Banco Santander. The <ix:nonFraction unitRef="number" contextRef="c-8069" decimals="INF" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18628">9.625</ix:nonFraction>% interest rate is set  for the first five years and six months, revised every <ix:nonNumeric contextRef="c-8070" name="san:SubordinatedIssueInterestRateRepriceTerm" format="ixt-sec:duryear" id="f-18629">5</ix:nonNumeric> years thereafter by applying a margin of <ix:nonFraction unitRef="number" contextRef="c-8071" decimals="INF" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-18630">530.6</ix:nonFraction> basis points on the <ix:nonNumeric contextRef="c-8070" name="san:SubordinatedIssueUSTRateTerm" format="ixt-sec:durwordsen" id="f-18631">5-year</ix:nonNumeric> UST rate.</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">G. Payment is subject to certain conditions and to the discretion of Banco Santander. The <ix:nonFraction unitRef="number" contextRef="c-8072" decimals="INF" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18632">9.625</ix:nonFraction>% interest rate is set  for the first <ix:nonNumeric contextRef="c-8073" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-18633">ten years</ix:nonNumeric>, revised every <ix:nonNumeric contextRef="c-8073" name="san:SubordinatedIssueInterestRateRepriceTerm" format="ixt-sec:duryear" id="f-18634">5</ix:nonNumeric> years thereafter by applying a margin of <ix:nonFraction unitRef="number" contextRef="c-8074" decimals="INF" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-18635">529.8</ix:nonFraction> basis points on the <ix:nonNumeric contextRef="c-8073" name="san:SubordinatedIssueUSTRateTerm" format="ixt-sec:durwordsen" id="f-18636">5-year</ix:nonNumeric> UST rate.</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">H. Payment is subject to certain conditions and to the discretion of Banco Santander. The <ix:nonFraction unitRef="number" contextRef="c-8075" decimals="4" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18637">7.00</ix:nonFraction>% interest rate is set  for the first <ix:nonNumeric contextRef="c-8076" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-18638">six years</ix:nonNumeric>, revised every <ix:nonNumeric contextRef="c-8076" name="san:SubordinatedIssueInterestRateRepriceTerm" format="ixt-sec:duryear" id="f-18639">5</ix:nonNumeric> years thereafter by applying a margin of <ix:nonFraction unitRef="number" contextRef="c-8077" decimals="INF" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-18640">443.2</ix:nonFraction> basis points on the <ix:nonNumeric contextRef="c-8076" name="san:SubordinatedIssueMidSwapRateTerm" format="ixt-sec:durwordsen" id="f-18641">5-year</ix:nonNumeric> mid-swap rate.</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">I. Payment is subject to certain conditions and to the discretion of Banco Santander. The <ix:nonFraction unitRef="number" contextRef="c-8078" decimals="4" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18642">8.00</ix:nonFraction>% interest rate is set  for the first <ix:nonNumeric contextRef="c-8079" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-18643">ten years</ix:nonNumeric>, revised every <ix:nonNumeric contextRef="c-8079" name="san:SubordinatedIssueInterestRateRepriceTerm" format="ixt-sec:duryear" id="f-18644">5</ix:nonNumeric> years thereafter by applying a margin of <ix:nonFraction unitRef="number" contextRef="c-8080" decimals="INF" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-18645">391.1</ix:nonFraction> basis points on the <ix:nonNumeric contextRef="c-8079" name="san:SubordinatedIssueUSTRateTerm" format="ixt-sec:durwordsen" id="f-18646">5-year</ix:nonNumeric> mid-swap rate</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">J. Payment is subject to certain conditions and to the discretion of Banco Santander. The <ix:nonFraction unitRef="number" contextRef="c-8081" decimals="4" name="san:SubordinatedIssueInterestRate" scale="-2" id="f-18647">6.00</ix:nonFraction>% interest rate is set  for the first <ix:nonNumeric contextRef="c-8082" name="san:SubordinatedIssueInitialInterestRateTerm" format="ixt-sec:durwordsen" id="f-18648">six years</ix:nonNumeric>, revised every <ix:nonNumeric contextRef="c-8082" name="san:SubordinatedIssueInterestRateRepriceTerm" format="ixt-sec:duryear" id="f-18649">5</ix:nonNumeric> years thereafter by applying a margin of <ix:nonFraction unitRef="number" contextRef="c-8083" decimals="INF" name="san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" scale="-4" id="f-18650">381.9</ix:nonFraction> basis points on the <ix:nonNumeric contextRef="c-8082" name="san:SubordinatedIssueUSTRateTerm" format="ixt-sec:durwordsen" id="f-18651">5-year</ix:nonNumeric> mid-swap rate.</span></div></ix:nonNumeric></ix:continuation><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">371</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201"></div><hr style="page-break-after:always"/><div style="min-height:51.02pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-354"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:102pt"><span><br/></span></div><div><img src="san-20251231_g74.jpg" alt="11.Anexos_ENG.jpg" style="height:598px;margin-bottom:5pt;vertical-align:text-bottom;width:793px" id="i-355"/></div><div style="margin-top:15pt"><span id="i63cafb66257140b9a771fc39c25a3506"></span><span style="color:#ffffff;font-family:'Santander Headline',sans-serif;font-size:6pt;font-weight:700;line-height:90%">Appendix</span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">372</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1207"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-356"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="i53313b1d2e0947e3a192629fa7752432"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">Appendix I</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:78.269%"><tr><td style="width:1.0%"/><td style="width:33.871%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.809%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.406%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.326%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Company</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Location</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Year 2025</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year 2024</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 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:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">2 &amp; 3 Triton Limited (d)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">A &amp; L CF (Guernsey) Limited (d) (g)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Guernsey</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Leasing</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Abbey Covered Bonds (Holdings) Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Abbey Covered Bonds (LM) Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Abbey Covered Bonds LLP</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Abbey National Business Office Equipment Leasing Limited (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Abbey National Nominees Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Abbey National PLP (UK) Limited (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Abbey National Property Investments</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Abbey Stockbrokers (Nominees) Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Abbey Stockbrokers Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Abent 3T, S.A.P.I de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Electricity production</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ablasa Participaciones, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Aduro S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Uruguay</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payments and collection services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Aevis Europa, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">96.34</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">96.34</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">96.34</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Cards</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">AFB SAM Holdings, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">1.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Afisa S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Agro Flex Fundo de Investimento em Direitos Credit&#243;rios</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Allane Leasing GmbH</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Austria</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">46.95</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Allane Location Longue Dur&#233;e S.a.r.l.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">France</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">46.95</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Allane Mobility Consulting AG</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Switzerland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">46.95</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Allane Mobility Consulting B.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Netherlands</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">46.95</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Allane Mobility Consulting GmbH</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">46.95</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Allane Mobility Consulting &#214;sterreich GmbH</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Austria</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">46.95</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Allane Mobility Consulting S.a.r.l</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">France</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">46.95</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Allane Schweiz AG</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Switzerland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">46.95</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Allane SE</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">46.95</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">92.07</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">92.07</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Allane Services GmbH &amp; co. KG</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">46.95</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Allane Services Verwaltungs GmbH</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">46.95</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Management of portfolios</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Alliance &amp; Leicester Investments (No.2) Limited (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Alliance &amp; Leicester Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Alliance &amp; Leicester Personal Finance Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Altamira Santander Real Estate, S.A.</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">373</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-357"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:78.269%"><tr><td style="width:1.0%"/><td style="width:33.871%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.809%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.406%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.326%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Company</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Location</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year 2024</span></div></td><td colspan="3" style="padding:2px 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:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Alternative Leasing, FIL (Compartimento B)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Amazonia Trade Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Am&#233;rica Gest&#227;o Servi&#231;os em Energ&#237;a S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">62.90</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">70.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">70.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Electricity production</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Amherst Pierpont Commercial Mortgage Securities LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Amherst Pierpont International Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Hong-Kong</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">AMS Auto Markt Am Schieferstein GmbH </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">90.01</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Vehicle sales</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">AN (123) Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Andromeda Principal Investments, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">ANITCO Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">AP Acquisition Trust I</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Trust company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">AP Acquisition Trust II</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">AP Asset Acquisition LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">APSG GP LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Aquanima Brasil Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">E-commerce</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Aquanima Chile S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Aquanima M&#233;xico S. de R.L. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">E-commerce</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Aquanima S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Argentine</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ararinha Renda Fixa Cr&#233;dito Privado - Fundo de Investimento Financeiro</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Artarien S.A.</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Uruguay</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance mediation</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Atempo Growth I - Sub-Fund 4</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Atempo Growth II - Sub Fund 3</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Atlantes Mortgage No. 3</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Atual - Fundo de Invest Multimercado Cr&#233;dito Privado Investimento no Exterior</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Auto ABS DFP Master Compartment France 2013</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">France</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Auto ABS French Leases 2023</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">France</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Auto ABS French Leases 2025</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">France</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 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(series 2025-1)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Auto ABS Italian Stella Loans S.r.l. (series 2025-2)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Auto ABS Spanish Loans 2022-1, Fondo de Titulizaci&#243;n</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">374</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-358"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:78.269%"><tr><td style="width:1.0%"/><td style="width:33.871%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.809%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.406%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.326%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Company</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Location</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year 2024</span></div></td><td colspan="3" style="padding:2px 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:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Auto ABS Spanish Loans 2024-1, Fondo de Titulizaci&#243;n</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Autodescuento, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Vehicles purchased by internet</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Autohaus24 GmbH</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">46.95</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Internet</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Auto-Interleasing AG</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Switzerland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Auttar HUT Processamento de Dados Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Aviaci&#243;n Antares, A.I.E.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.01</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Aviaci&#243;n Brit&#225;nica, A.I.E.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.01</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Aviaci&#243;n Comillas, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Aviaci&#243;n Laredo, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">1.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Air transport</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Aviaci&#243;n Oyambre, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Aviaci&#243;n Santillana, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">1.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Aviaci&#243;n Suances, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">1.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Air transport</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banco Bandepe S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banco de Albacete, S.A. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banco Hyundai Capital Brasil S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">44.93</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banco Santander - Chile</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">67.13</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">67.18</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">67.18</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banco Santander (Brasil) S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.04</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.82</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">90.45</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">90.60</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banco Santander (M&#233;xico), S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico como Fiduciaria del Fideicomiso 100740</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.98</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banco Santander (M&#233;xico), S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico como Fiduciaria del Fideicomiso 2002114</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.98</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banco Santander (M&#233;xico), S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico como Fiduciaria del Fideicomiso GFSSLPT</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.98</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banco Santander Argentina S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Argentine</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.82</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.77</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.77</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banco Santander Colombia S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Colombia</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">92.95</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">7.05</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banco Santander International</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banco Santander International SA</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Switzerland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">34.70</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">65.30</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">24.93</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">75.05</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.98</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.98</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banco Santander Per&#250; S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Peru</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.90</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.10</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banco Santander S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Uruguay</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">97.75</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">2.25</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banco Santander Totta, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.42</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.45</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.87</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.96</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banque Stellantis France</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">France</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Bansa Santander S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Beyond Wealth, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.01</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Bilkreditt 7 Designated Activity Company (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Blecno Investments, S.L. Unipersonal (b)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Blue Ocean SBT, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">BRS Investments S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Argentine</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">5.10</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">94.90</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">C&#225;ntabro Catalana de Inversiones, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Capital Street Delaware LP</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Capital Street Holdings, LLC</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">375</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-359"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:78.269%"><tr><td style="width:1.0%"/><td style="width:33.871%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.809%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.406%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.326%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Company</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Location</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year 2024</span></div></td><td colspan="3" style="padding:2px 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:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Capital Street REIT Holdings, LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Capital Street S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Carmine D - Services, Unipessoal Lda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Software</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Cartasur Cards S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Argentine</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.82</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Casa de Bolsa Santander, S.A. de C.V., Grupo Financiero Santander M&#233;xico</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.97</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.97</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.97</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securities company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Cater Allen Holdings Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Cater Allen International Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Cater Allen Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Cater Allen Syndicate Management Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">CCAP Auto Lease Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Leasing</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Centro de Capacitaci&#243;n Santander, A.C.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.98</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Non-profit institute</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Certidesa, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Aircraft rental</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Charlotte 2023 Funding Plc</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Charlotte 2023 Holdings Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Cianite New Energy, S.r.l.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">70.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">70.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renewable energies</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">CIMA Commodities 2025-4</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">CIMA Finance DAC Series 2022-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">CIMA Finance DAC Series 2023-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">CIMA Luxembourg S.&#224; r.l. 2025-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">CLM Fleet Management Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Vehicle rental</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Cobranza Amigable, S.A.P.I. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Collection services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Community Development and Affordable Housing Fund LLC </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">96.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">96.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">96.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Asset management</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Compagnie Generale de Credit Aux Particuliers - Credipar S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">France</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Compagnie Pour la Location de Vehicules - CLV</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">France</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Comparanet, S.A. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance mediation</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consumer Totta 1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consumer Totta 2</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consumer Totta 3 2025</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Contrato de Fideicomiso Irrevocable de Administraci&#243;n INV/6206</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Trust company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Contrato de Fideicomiso Irrevocable de Administraci&#243;n Nro. 6168</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Trust company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Contrato de Fideicomiso Irrevocable Nro. F/6236</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Trust company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Credileads S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Uruguay</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Advertising</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">D365 Fundo de Investimento em Direitos Credit&#243;rios</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Darep Designated Activity Company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Reinsurances</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Decarome, S.A.P.I. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Decarope S.A.C.</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Peru</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment company</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">376</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-360"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:78.269%"><tr><td style="width:1.0%"/><td style="width:33.871%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.809%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.406%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.326%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Company</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Location</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year 2024</span></div></td><td colspan="3" style="padding:2px 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:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Deva Capital Advisory Company, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Advisory services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Deva Capital Holding Company, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Deva Capital Investment Company, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Deva Capital Management Company, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Advisory services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Deva Capital Servicer Company, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Diamante New Energy S.r.l.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">80.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">80.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renewable energies</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Diglo Servicer Company 2021, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate management</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Diners Club Spain, S.A. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Cards</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Direcci&#243;n Estratega, S.C.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Drive Auto Receivables Trust 2024-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Drive Auto Receivables Trust 2024-2</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Drive Auto Receivables Trust 2025-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Drive Auto Receivables Trust 2025-2</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Drive S.r.l.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">75.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ductor Real Estate, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Agent UK Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Banco de Cambio S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Banco Holding Participa&#231;&#245;es Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Brasil Consultoria S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Brasil Holding Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Brasil Participa&#231;&#245;es S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Facilitadora De Pagamentos Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Software</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Global Services, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Advisory services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Mass Payments Holdco Limited </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Mass Payments Limited </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Partners (DIFC) Limited </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Arab United Emirates</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Partners Australia Pty Ltd. </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Australia</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Partners Belgium NV /SA </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Belgium</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Partners Canada Limited </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Canada</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Partners Chile SpA</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Partners China Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">China</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Marketing</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Partners Finance Limited </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Partners Hong Kong Limited </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Hong-Kong</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Partners Limited </span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">377</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-361"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:78.269%"><tr><td style="width:1.0%"/><td style="width:33.871%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.809%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.406%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.326%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Company</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Location</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year 2024</span></div></td><td colspan="3" style="padding:2px 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:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Partners Lithuania UAB</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Lithuania</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Partners Markets Cyprus Limited </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Cyprus</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Partners Markets Limited </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Partners M&#233;xico, S.A. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Partners Payment Solutions Uganda Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Uganda</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Partners Payments - L.L.C. </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Arab United Emirates</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Partners Payments Solutions Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Kenya</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Partners South Africa (Pty) Ltd </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Republic of South Africa</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Partners Switzerland AG </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Switzerland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Partners Tanzania Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Tanzania</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Partners UK Limited </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Electronic money</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Payments PTE Ltd. </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Singapore</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Solu&#231;&#245;es de Pagamentos Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Technology Limited </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Software</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebury Technology Spain, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT consulting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EDT FTPYME Pastor 3, Fondo de Titulizaci&#243;n de Activos</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Elcano Renovables, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">70.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">70.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">70.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Electrolyser, S.A. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.98</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Elevate Tech Platforms, S.L. Unipersonal (b)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Emdia Servi&#231;os Especializados em Cobran&#231;as Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Collection services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Empresa de Cr&#233;ditos Santander Consumo Per&#250; S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Peru</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Energias Renovables de Ormonde 30, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renewable energies</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Energias Renovables de Titania, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renewable energies</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Energias Renovables Gladiateur 45, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renewable energies</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Energias Renovables Prometeo, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renewable energies</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Esfera Fidelidade S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Evidence Previd&#234;ncia S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Eyemobile Tecnologia Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">F1rst Tecnologia e Inova&#231;&#227;o Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Factum Identity Solutions, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">67.20</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">84.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT consulting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Factum Information Technologies, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">80.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">80.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT consulting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Factum IT Limited </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">80.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT consulting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Factum Navarra, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">80.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT consulting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">FIDC Santander Auto Loans I Segmento Financeiro - Responsabilidade Limitada</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fideicomiso Empresarial Irrevocable de Administraci&#243;n y Garant&#237;a F/3443</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Trust company</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">378</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-362"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:78.269%"><tr><td style="width:1.0%"/><td style="width:33.871%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.809%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.406%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.326%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Company</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Location</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year 2024</span></div></td><td colspan="3" style="padding:2px 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:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financeira El Corte Ingl&#233;s, Portugal, S.F.C., S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">51.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financiera El Corte Ingl&#233;s, E.F.C., S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">51.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">51.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">51.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finsantusa, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">First National Motor plc</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">First National Tricity Finance Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">FIT Economia de Energia S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">58.41</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">65.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">65.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Electricity production</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Flexliving Valdemar&#237;n, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">27.57</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">27.57</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">90.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fondo de Titulizaci&#243;n PYMES Santander 15</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fondo de Titulizaci&#243;n Santander Financiaci&#243;n 1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fondo de Titulizaci&#243;n, RMBS Santander 7</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fondo de Titulizaci&#243;n, Santander Consumo 8</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fondo de Titulizaci&#243;n, Santander Consumo 9</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fondos Santander, S.A. Administradora de Fondos de Inversi&#243;n (en liquidaci&#243;n) (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Uruguay</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fortensky Trading, Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fosse (Master Issuer) Holdings Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fosse Funding (No.1) Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fosse Master Issuer PLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fosse Trustee (UK) Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Freedom Depository Holdings, LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Freedom Depository, LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fulvia SPV S.r.l.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fulvia SPV S.r.l. (2025-1)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fundo de Investimento em Direitos Credit&#243;rios Atacado - N&#227;o Padronizado</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fundo de Investimento em Direitos Credit&#243;rios Conretorno - Responsabilidade Limitada</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fundo de Investimento em Direitos Credit&#243;rios Multisegmentos NPL Ipanema VI &#8211; N&#227;o padronizado</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fundo de Investimento em Direitos Credit&#243;rios Tellus</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Gamma, Sociedade Financeira de Titulariza&#231;&#227;o de Cr&#233;ditos, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.87</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">GC FTPYME Pastor 4, Fondo de Titulizaci&#243;n de Activos</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Generaci&#243;n de Energ&#237;a Villahermosa, S.A.P.I. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Electricity production</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Gesban M&#233;xico Servicios Administrativos Globales, S.A. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Gesban Santander Servicios Profesionales Contables Limitada</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Accounting services</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Gesban Servicios Administrativos Globales, S.L.</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.99</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.01</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">379</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-363"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:78.269%"><tr><td style="width:1.0%"/><td style="width:33.871%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.809%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.406%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.326%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Company</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Location</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year 2024</span></div></td><td colspan="3" style="padding:2px 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:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Gesban UK Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payments and collection services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Gesti&#243;n de Inversiones JILT, S.A. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Gestora de Procesos S.A. en liquidaci&#243;n (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Peru</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Getnet Adquir&#234;ncia e Servi&#231;os para Meios de Pagamento S.A. - Institui&#231;&#227;o de Pagamento</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Getnet Argentina S.A.U.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Argentine</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment methods</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Getnet Europe, Entidad de Pago, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Getnet Fundo de Investimento em Direitos Credit&#243;rios</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Getnet Merchant Solutions UK Ltd</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Getnet M&#233;xico Servicios de Adquirencia, S.A. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payments and collection services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Getnet Payments, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Getnet Sociedade de Credito Direto S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Getnet Technology and Operations Brasil Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Getnet Uruguay S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Uruguay</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment methods</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">GNXT Servi&#231;os de Atendimento Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Telemarketing</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Golden Bar (Securitisation) S.r.l.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Golden Bar Stand Alone 2021-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Golden Bar Stand Alone 2022-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Golden Bar Stand Alone 2023-2</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Golden Bar Stand Alone 2024-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Golden Bar Stand Alone 2025-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Golden Bar Stand Alone 2025-2</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Grafite New Energy, S.r.l.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">70.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">70.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renewable energies</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Gravity Cloud Technology, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Grupo Empresarial Santander, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.62</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.38</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Grupo Financiero Santander M&#233;xico, S.A. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Hipototta No. 13</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Hipototta No. 14</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Hipototta No. 4 plc (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Hipototta No. 5 plc (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holbah Santander, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holmes Funding Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holmes Holdings Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holmes Master Issuer plc</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holmes Trustees Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Hyundai Capital Bank Europe GmbH</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">51.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">51.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">51.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">380</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-364"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:78.269%"><tr><td style="width:1.0%"/><td style="width:33.871%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.809%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.406%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.326%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"><div><span><br/></span></div></td><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Company</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Location</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year 2024</span></div></td><td colspan="3" style="padding:2px 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:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Hyundai Fundo de Investimento em Direitos Credit&#243;rios</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">44.93</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ib&#233;rica de Compras Corporativas, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">97.17</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">2.82</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">E-commerce</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Innohub, S.A.P.I. de C.V. (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">62.01</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">69.54</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">69.54</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance Funding Solutions Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inversiones Capital Global, S.A. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inversiones Mar&#237;timas del Mediterr&#225;neo, S.A., en liquidaci&#243;n  (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment Holdings 1857, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Isar Valley S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Isla de los Buques, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.98</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.02</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Klare Corredora de Seguros Limitada</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance mediation</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Landcompany 2020, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate management</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Laparanza, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">61.59</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">61.59</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">61.59</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Agricultural holding</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Lerma Investments 2018, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Liquetine, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">70.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renewable energies</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Lynx Financial Crime Tech, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">79.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">79.99</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">79.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">MAC No. 1 Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Macroscope S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mascor SPV 2025, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">29.10</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">29.10</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Master Red Europa, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">96.34</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">96.34</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">96.34</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Cards</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mata Alta, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">61.59</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Agricultural holding</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">MCE Bank GmbH </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">90.01</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">90.01</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">90.01</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">MCE Verwaltung GmbH </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">90.01</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate rental</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mercadotecnia, Ideas y Tecnolog&#237;a, S.A. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">70.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">70.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">70.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment methods</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Merciver, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.90</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.10</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial advisory</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Midata Service GmbH </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">90.01</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Moon GC&amp;P Investments, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mouro Capital I LP</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Multiplica SpA</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Murattabat International Business Services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Palestine</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT consulting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Navegante Am&#233;rico Vespucio SpA</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Naviera Mirambel, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Naviera Trans Gas, A.I.E.</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.99</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.01</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td></tr></table></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1213"></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.790%"><tr><td style="width:1.0%"/><td style="width:32.040%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.616%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.726%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.570%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.570%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.584%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Company</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Location</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2025</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2024</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Naviera Transcant&#225;brica, S.L.</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Leasing</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Naviera Transchem, S.L. Unipersonal</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Leasing</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">381</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-365"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.790%"><tr><td style="width:1.0%"/><td style="width:32.040%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.616%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.726%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.570%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.570%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.584%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Company</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Navigator Global Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Internet</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">NeoAuto S.A.C.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Peru</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Vehicles purchased by internet</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Newcomar, S.L., en liquidaci&#243;n (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">40.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">40.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">80.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">80.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Novimovest &#8211; Fundo de Investimento Imobili&#225;rio</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">78.76</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">78.86</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">78.74</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">NW Services CO.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">E-commerce</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">One Mobility Management GmbH</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">46.95</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Open Bank, S.A. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Open Digital Market, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Commerce</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Open Digital Services, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.97</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.03</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Openbank M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Operadora de Carteras Gamma, S.A.P.I. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Optimal Investment Services SA</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Switzerland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Optimal Multiadvisors Ireland Plc / Optimal Strategic US Equity Ireland Euro Fund (c) </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Optimal Multiadvisors Ireland Plc / Optimal Strategic US Equity Ireland US Dollar Fund (c) </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Paga Despu&#233;s, S.A. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">PagoNxt Emoney, E.D.E., S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">PagoNxt Ltd</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">PagoNxt Merchant Solutions FZ-LLC (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Arab United Emirates</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">PagoNxt Merchant Solutions India Private Limited  (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">India</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">PagoNxt Payments Brasil Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">PagoNxt Payments Chile SpA</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">PagoNxt Payments M&#233;xico, S.A. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">PagoNxt Payments Services, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">PagoNxt Payments UK Ltd</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">PagoNxt Payments, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">PagoNxt US, LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">PagoNxt, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Paytec Tecnologia em Pagamentos Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Commerce</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">PBE Companies, LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Pereda Gesti&#243;n, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.01</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securities<br/>brokerage</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Phoenix S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Uruguay</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment methods</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Pinle SPV 2024, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">27.57</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">27.57</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Pony S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Pony S.A., Compartment German Auto Loans 2023-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Pony S.A., Compartment German Auto Loans 2024-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Pony S.A., Compartment German Auto Loans 2025-1</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">382</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-366"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.790%"><tr><td style="width:1.0%"/><td style="width:32.040%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.616%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.726%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.570%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.570%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.584%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Company</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portal Universia Argentina S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Argentine</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">75.75</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">75.75</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">75.75</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Internet</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portal Universia Portugal, Presta&#231;&#227;o de Servi&#231;os de Inform&#225;tica, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Internet</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Precato IV Fundo de Investimento em Direitos Credit&#243;rios - N&#227;o Padronizados</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Prime 16 &#8211; Fundo de Investimentos Imobili&#225;rio</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">PT Trans Skills Employer Services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Indonesia</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Pulse Client Experts Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Telemarketing</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Punta Lima, LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Leasing</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Redoto SPV 2025, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">30.60</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">30.60</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Repton 2023-1 Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Retailcompany 2021, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Retop S.A. </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Uruguay</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Return Capital Gest&#227;o de Ativos e Participa&#231;&#245;es S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Collection services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Rojo Entretenimento S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">85.01</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">94.60</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">94.60</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SAFO Alternative Lending, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SAI Alternative Investments M&#233;xico, S.A. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SAI Lux Carry SCSp</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Sainte Julie Fundo de Investimento em Direitos Credit&#243;rios N&#227;o-Padronizados Responsabilidade Limitada</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SALCO, Servicios de Seguridad Santander, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.01</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Safety</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SAM Argentina Sociedad Gerente de Fondos Comunes de Inversi&#243;n S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Argentine</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment<br/>fund<br/>management</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SAM Asset Management, S.A. de C.V., Sociedad Operadora de Fondos de Inversi&#243;n</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SAM Inversiones Argentina S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Argentine</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Pension fund<br/>management<br/>company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SAM Investment Holdings, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">92.37</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">7.63</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">San Pietro Solar PV, S.r.l.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">56.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">80.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">80.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renewable energies</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">San Preca Federal I Fundo de Investimento em Direitos Credit&#243;rios N&#227;o-Padronizados</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">86.59</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">96.36</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SANB Promotora de Vendas e Cobran&#231;a S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Sancap Investimentos e Participa&#231;&#245;es S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander (CF Trustee Property Nominee) Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander (CF Trustee) Limited </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander (Luxembourg) Issuer S.&#224; r.l.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander (UK) Group Pension Schemes Trustees Limited </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Alternative Investments, S.G.I.I.C., S.A. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander AM Global Working Capital Fund I</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">383</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-367"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.790%"><tr><td style="width:1.0%"/><td style="width:32.040%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.616%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.726%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.570%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.570%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.584%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Company</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Asesor&#237;as Financieras Limitada</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">67.45</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial advisory</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Asset Finance Opportunities</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Asset Finance plc</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Leasing</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Asset Management - SGOIC, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Asset Management Chile S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securities investment</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Asset Management Gerente de Fondos Comunes de Inversi&#243;n S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Argentine</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Asset Management Luxembourg, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Asset Management S.A. Administradora General de Fondos</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Asset Management UK Holdings Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Asset Management UK Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Management of funds and portfolios</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Asset Management, S.A., SGIIC Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Auto Lease Titling Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Leasing</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Back-Offices Globales Mayoristas, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Banca de Inversi&#243;n Colombia, S.A.S.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Colombia</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Advisory services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Bank Polska S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Poland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">58.70</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">58.70</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">62.20</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Bank, National Association</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Brasil Administradora de Cons&#243;rcio Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Brasil Gest&#227;o de Recursos Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.08</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.92</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securities investment</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Capital Holdings LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Capital Structuring, S.A. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Capitaliza&#231;&#227;o S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Cards Ireland Limited (g)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Cards</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Cards Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Cards UK Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Chile Holding S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">22.11</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">77.75</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.86</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Commercial Mortgage Securities LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Compara Holding, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.97</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.03</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consulting (Beijing) Co., Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">China</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Advisory services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer (UK) plc</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Auto Receivables Funding 2018-L3 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Auto Receivables Funding 2022-B1 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Auto Receivables Funding 2022-B2 LLC</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">384</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-368"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.790%"><tr><td style="width:1.0%"/><td style="width:32.040%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.616%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.726%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.570%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.570%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.584%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Company</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Auto Receivables Funding 2022-B3 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Auto Receivables Funding 2022-B4 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Auto Receivables Funding 2023-B1 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Auto Receivables Funding 2023-B2 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Auto Receivables Funding 2023-B3 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Auto Receivables Funding 2023-B4 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Auto Receivables Funding 2023-B5 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Auto Receivables Funding 2023-B6 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Auto Receivables Funding 2024-B2 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Auto Receivables Funding 2024-B3 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Auto Receivables Funding 2025-B1 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Auto Receivables Funding 2025-L1 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Auto Receivables Funding 2025-L2 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Auto Receivables Funding 2025-L3 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Auto Receivables Funding 2025-L4 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Bank</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Canada</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Bank AG</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Bank AS</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Norway</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Bank GmbH</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Austria</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Bank S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Poland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Bank S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Peru</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Bank S.p.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Credit Services Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Finance Global Services, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Finance Limitada</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">34.24</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Finance M&#233;xico, S.A. de C.V., S.O.F.O.M., E.R., Grupo Financiero Santander M&#233;xico</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.98</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Finance Oy</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Finland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Finance Schweiz AG</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Switzerland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Leasing</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Finance, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Financial Solutions Sp. z o.o.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Poland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Leasing</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Holding Austria GmbH</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Austria</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Holding GmbH</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Lease Receivables 1 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Leasing GmbH</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Leasing</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Leasing S.A.</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">France</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">385</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-369"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.790%"><tr><td style="width:1.0%"/><td style="width:32.040%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.616%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.726%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.570%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.570%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.584%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Company</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Mobility Services, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Multirent Sp. z o.o.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Poland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Leasing</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Operations Services GmbH</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Receivables 11 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Receivables 15 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Receivables 16 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Receivables 20 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Receivables 21 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Receivables 7 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Receivables Funding LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Renting S.r.l.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Renting, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Argentine</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.82</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Services GmbH</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Austria</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Services, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Spain Auto 2019-1, Fondo de Titulizaci&#243;n</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Spain Auto 2020-1, Fondo de Titulizaci&#243;n</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Spain Auto 2021-1, Fondo de Titulizaci&#243;n</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Spain Auto 2022-1, Fondo de Titulizaci&#243;n</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Spain Auto 2023-1, Fondo de Titulizaci&#243;n</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Spain Auto 2024-1, Fondo de Titulizaci&#243;n</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Spain Auto 2025-1, Fondo de Titulizaci&#243;n</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Technology Services GmbH</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer USA Holdings Inc.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer USA Inc.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumo 4, F.T.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumo 5, F.T.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumo 6, F.T.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumo 7, F.T.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Corredora de Seguros Limitada</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">67.21</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance mediation</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Corredores de Bolsa Limitada</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">83.24</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securities company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Corretora de C&#226;mbio e Valores Mobili&#225;rios S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securities company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Corretora de Seguros, Investimentos e Servi&#231;os S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance mediation</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Customer Voice, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.50</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.50</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander de Titulizaci&#243;n, S.G.F.T., S.A.</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">81.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">19.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">386</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-370"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.790%"><tr><td style="width:1.0%"/><td style="width:32.040%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.616%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.726%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.570%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.570%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.584%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Company</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Distribuidora de T&#237;tulos e Valores Mobili&#225;rios S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securities company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2022-2</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2022-3</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2022-4</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2022-5</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2022-6</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2022-7</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2023-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2023-2</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2023-3</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2023-4</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2023-5</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2023-6</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2024-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2024-2</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2024-3</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2024-4</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2024-5</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2025-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2025-2</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2025-3</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Drive Auto Receivables Trust 2025-4</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Empresa Administradora de Fondos Colectivos S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Peru</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">1.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Equity Investments Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Espa&#241;a Servicios Legales, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.97</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.03</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Estates Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander European Hospitality Opportunities</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander F24 S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Poland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">58.70</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Facility Management Espa&#241;a, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Factoring S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Factoring</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Factoring Sp. z o.o.</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Poland</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">58.70</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">387</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-371"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.790%"><tr><td style="width:1.0%"/><td style="width:32.040%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.616%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.726%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.570%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.570%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.584%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Company</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Factoring y Confirming, S.A. Unipersonal, E.F.C.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Factoring</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander FI Hedge Strategies</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Finance 2012-1 LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Financial Exchanges Limited (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Financial Services plc</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Financiamientos S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Peru</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Financing S.A.S.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Colombia</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial advisory</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Finanse Sp. z o.o.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Poland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">58.70</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Fundo de Investimento Amazonas Multimercado Cr&#233;dito Privado Investimento no Exterior </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Fundo de Investimento Diamantina Multimercado Cr&#233;dito Privado Investimento no Exterior </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Fundo de Investimento Guaruj&#225; Multimercado Cr&#233;dito Privado Investimento no Exterior</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Gesti&#243;n de Recaudaci&#243;n y Cobranzas Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Global Cards &amp; Digital Solutions Brasil S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT consulting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Global Cards &amp; Digital Solutions, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Global Consumer Finance Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Global Facilities, S.A. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Global Services S.A. (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Uruguay</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Global Services, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Global Technology and Operations Brasil Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Global Technology and Operations Chile Limitada</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Global Technology and Operations, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Green Investment, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.97</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.03</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Group Properties, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Guarantee Company (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Hera Renda Fixa Fundo Incentivado de Investimento em Infraestrutura Responsabilidade Limitada</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Hermes Multimercado Cr&#233;dito Privado Infraestructura Fundo de Investimento</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Hipotecario 2 Fondo de Titulizaci&#243;n de Activos</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Hipotecario 3 Fondo de Titulizaci&#243;n de Activos</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Holding Imobili&#225;ria S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Holding Internacional, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.95</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.05</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Holdings USA, Inc.</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">388</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-372"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.790%"><tr><td style="width:1.0%"/><td style="width:32.040%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.616%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.726%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.570%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.570%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.584%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Company</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Inclusi&#243;n Financiera, S.A. de C.V., S.O.F.O.M., E.R., Grupo Financiero Santander M&#233;xico</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.98</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Insurance Agency, U.S., LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance mediation</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Insurance Services UK Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Wealth management</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Insurance, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Intermediaci&#243;n Corredur&#237;a de Seguros, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance mediation</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander International Products, Plc. (f)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.01</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander International Wealth Management M&#233;xico, S. de R.L. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Advisory services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander International Wealth Solutions LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Inversiones S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">5.12</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">94.88</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Investment Chile Limitada</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">16.12</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">83.88</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Investment, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Investments GP 1 S.&#224;.r.l.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Inwestycje Sp. z o.o.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Poland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">58.70</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securities company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander ISA Managers Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Management of funds and portfolios</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Lease, S.A., E.F.C.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Leasing</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Leasing AB</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Sweden</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Leasing and renting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Leasing B.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Netherlands</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Leasing S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Poland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">58.70</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Leasing</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Leasing S.A. Arrendamento Mercantil</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Leasing</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Leasing, LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Leasing</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Lending Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mortgage<br/>credit<br/>company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Mediaci&#243;n Operador de Banca-Seguros Vinculado, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance mediation</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Merchant S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Argentine</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">5.10</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">94.90</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Mortgage Asset Depositor LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Mortgage Asset Receivable Trust 2025-CES1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Mortgage Asset Receivable Trust 2025-NQM1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Mortgage Asset Receivable Trust 2025-NQM2</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Mortgage Asset Receivable Trust 2025-NQM3</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Mortgage Asset Receivable Trust 2025-NQM4</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Mortgage Asset Receivable Trust 2025-NQM5</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Mortgage Asset Receivable Trust 2025-NQM6</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Mortgage Asset Receivable Trust 2026-NQM1</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">389</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-373"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.790%"><tr><td style="width:1.0%"/><td style="width:32.040%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.616%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.726%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.570%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.570%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.584%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Company</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Mortgage Holdings Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander New Business, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">1.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Trade intermediary</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Paraty Qif PLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Pensiones, S.A., E.G.F.P.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Pension fund<br/>management<br/>company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Prime Auto Issuance Notes 2018-A Designated Activity Company (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Prime Auto Issuance Notes 2018-B Designated Activity Company (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Prime Auto Issuance Notes 2018-C Designated Activity Company (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Prime Auto Issuance Notes 2018-D Designated Activity Company (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Prime Auto Issuance Notes 2018-E Designated Activity Company (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Private Banking S.p.A. in Liquidazione (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Private Banking UK Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Private Real Estate Advisory, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Real Estate Debt 1 sub-fund</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Real Estate Equity I, F.C.R.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Venture capital fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Real Estate, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Retail Auto Lease Funding LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander RMBS 6, Fondo de Titulizaci&#243;n</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander S.A. Sociedad Securitizadora</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">67.25</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander SBAC II Renda Fixa Curto Prazo - Classe de Investimento em Cotas de Fundo de Investimento Financeiro Responsabilidade Limitada </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Secretariat Services Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Securities LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securities company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Seguros y Reaseguros, Compa&#241;&#237;a Aseguradora, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Services Solutions, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Servicios Corporativos, S.A. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.98</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Servicos Digitais Brasil Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Sociedade de Cr&#233;dito, Financiamento e Investimento S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Technology USA, LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Tecnolog&#237;a Argentina S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Argentine</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.83</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Tecnolog&#237;a M&#233;xico, S.A. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">99.98</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #c3dee7;border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Totta Seguros, Companhia de Seguros de Vida, S.A.</span></td><td colspan="3" style="border-bottom:0.5pt solid #c3dee7;border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #c3dee7;border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">390</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-374"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.790%"><tr><td style="width:1.0%"/><td style="width:32.040%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.616%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.726%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.570%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.570%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.584%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Company</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Towarzystwo Funduszy Inwestycyjnych S.A.</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Poland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29.35</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Trade Services Limited</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Hong-Kong</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Trust S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Argentine</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander UK Group Holdings plc</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">77.67</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">22.33</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander UK Investments</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander UK Operations Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander UK plc</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander UK Technology Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander US Capital Markets LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securities investment</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Valores S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Argentine</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">5.10</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">94.73</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securities company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santusa Holding, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">69.76</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">30.24</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SBNA Auto Lease Funding LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SBNA Auto Lease Trust 2023-A</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SBNA Auto Lease Trust 2024-A</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SBNA Auto Lease Trust 2024-B</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SBNA Auto Lease Trust 2024-C</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SBNA Auto Lease Trust 2025-A</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SBNA Auto Lease Trust 2025-B</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SBNA Auto Receivables Funding LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SBNA Auto Receivables Grantor Trust 2025-SF1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SBNA Auto Receivables Trust 2025-SF1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SBNA Investor LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Austria Auto Finance 2020-1 Designated Activity Company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Austria Consumer Loan 2021 Designated Activity Company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Austria S.&#224; r.l.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Austria S.&#224; r.l., Compartment Consumer 2025-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Canada Asset Securitization Trust</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Canada</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Germany Auto 2019-1 UG (haftungsbeschr&#228;nkt) (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Germany S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Germany S.A., Compartment Consumer 2020-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Germany S.A., Compartment Consumer 2021-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Germany S.A., Compartment Consumer 2022-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Germany S.A., Compartment Consumer 2023-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Germany S.A., Compartment Consumer 2024-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Germany S.A., Compartment Consumer 2024-2</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Germany S.A., Compartment Consumer 2025-1</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">391</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-375"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.790%"><tr><td style="width:1.0%"/><td style="width:32.040%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.616%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.726%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.570%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.570%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.584%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Company</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Germany S.A., Compartment Consumer 2025-2</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Germany S.A., Compartment Consumer Private 2023-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Germany S.A., Compartment Leasing 2023-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Germany S.A., Compartment Leasing 2025-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Germany S.A., Compartment Mobility 2020-1</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Mobility AB</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Sweden</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Mobility AS</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Norway</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Nordics S.&#224; r.l.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Nordics S.&#224; r.l. , Compartment Rahoituspalvelut 2025</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SC Poland Consumer 23-1 Designated Activity Company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SCF Ajoneuvohallinto IX Limited (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SCF Ajoneuvohallinto X Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SCF Ajoneuvohallinto XI Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SCF Ajoneuvohallinto XII Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SCF Ajoneuvohallinto XIII Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SCF Eastside Locks GP Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate management</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SCF Rahoituspalvelut IX DAC (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SCF Rahoituspalvelut X DAC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SCF Rahoituspalvelut XI Designated Activity Company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SCF Rahoituspalvelut XII DAC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SCF Rahoituspalvelut XIII DAC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SCM Poland Auto 2019-1 DAC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SDMX Superdigital, S.A. de C.V., Instituci&#243;n de Fondos de Pago Electr&#243;nico</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment platform</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Secucor Finance 2021-1, DAC (d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Secucor Finance 2025-1 Designated Activity Company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services and Promotions Delaware Corporation</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services and Promotions Miami LLC</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Servicios de Cobranza, Recuperaci&#243;n y Seguimiento, S.A. de C.V.</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Servicios Inmobiliarios Residencial en Venta JV2, S.L.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">27.57</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">27.57</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">90.00</span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Sheppards Moneybrokers Limited</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Shiloh III Wind Project, LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renewable energies</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Silk Finance No. 5</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Silk Finance No. 6</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Sociedad Integral de Valoraciones Automatizadas, S.A. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Appraisals</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Sociedad Operadora de Tarjetas de Pago Santander Getnet Chile S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">67.13</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payments and collection services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Socur S.A. </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Uruguay</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Solution 4Fleet Consultoria Empresarial S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Vehicle rental</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Sovereign Community Development Company</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">392</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-376"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.790%"><tr><td style="width:1.0%"/><td style="width:32.040%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.616%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.726%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.570%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.570%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.584%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Company</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Sovereign Delaware Investment Corporation</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Sovereign Lease Holdings, LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Sovereign REIT Holdings, Inc.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SPIRE SA Compartment 2025-148</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SSA Swiss Advisors AG</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Switzerland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Wealth management</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Stellantis Consumer Financial Services Polska Sp. z o.o.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Poland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Stellantis Financial Services Belux SA</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Belgium</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Stellantis Financial Services Espa&#241;a, E.F.C., S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Stellantis Financial Services Italia S.p.A.</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Stellantis Financial Services Nederland B.V.</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Netherlands</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Stellantis Financial Services Polska Sp. z o.o.</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Poland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Stellantis Renting Italia S.p.A.</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Sterrebeeck B.V.</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Netherlands</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Suleyado 2003, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securities investment</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Superdigital Holding Company, S.L.</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Superdigital Log&#237;stica S.A.</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Suzuki Servicios Financieros, S.L.</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">51.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">51.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">51.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Intermediation</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Swesant SA</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Switzerland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Tabasco Energ&#237;a Espa&#241;a, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Taxos Luz, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">70.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renewable energies</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Teatinos Siglo XXI Inversiones S.A.</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Terras Fundo de Investimento nas Cadeias Produtivas do Agronegocio - Fiagro - Resp Limitada</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">The Best Specialty Coffee, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Restaurant services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">TIMFin S.p.A.</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">51.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">51.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">51.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Titularizadora Colombiana S.A. -Universalidad TIV V9</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Colombia</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Tonopah Solar I, LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Tools Solu&#231;&#245;es e Servi&#231;os Compartilhados Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Tornquist Asesores de Seguros S.A. (j)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Argentine</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.99</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Toro Corretora de T&#237;tulos e Valores Mobili&#225;rios S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securities company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Toro Investimentos S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securities company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Totta (Ireland), PLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.87</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Totta Urbe - Empresa de Administra&#231;&#227;o e Constru&#231;&#245;es, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.87</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Trainera Venture Finance I, F.C.R.-PYME</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Venture capital fund</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">393</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-377"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.790%"><tr><td style="width:1.0%"/><td style="width:32.040%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.616%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.726%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.570%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.570%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.584%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Company</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Trans Skills Employment Services - Sole Proprietorship LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Arab United Emirates</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Human resources services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Trans Skills Employment Services Malaysia SDN. BHD.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Malaysia</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Trans Skills Employment Services Vietnam Company Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Vietnam</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Trans Skills General Supplies Egypt LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Egypt</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Trans Skills Information Technology LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Saudi Arabia</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Trans Skills Investment in Commercial Enterprises &amp; Management Co. LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Arab United Emirates</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Trans Skills Services SPC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Oman</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Trans Skills South Africa (Pty) Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Republic of South Africa</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Trans Skills Technology Services LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Arab United Emirates</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Transolver Finance EFC, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">51.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">51.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">51.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Leasing</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Transskills Employer Services Private Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">India</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Tresmares Capital Corporate S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.90</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.90</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Tresmares Capital Deutschland GmbH</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.90</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Tresmares Capital UK Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.90</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Tresmares Direct Lending, S.G.E.I.C, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.90</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Tresmares Growth Fund II, S.C.R., S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">40.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">40.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">40.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">40.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Tresmares Growth Fund III, S.C.R., S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">40.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">40.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">40.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">40.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Tresmares Growth Fund Santander, S.C.R., S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Tresmares Private Equity, S.G.E.I.C, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.90</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Tresmares Santander Direct Lending, SICC, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.67</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.67</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.67</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.67</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fund management company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">TS HR &amp; Payroll Services Morocco SARL AU</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Morocco</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">TVG-Trappgroup Versicherungsvermittlungs-GmbH </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">90.01</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance brokerage</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Universia Brasil S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Internet</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Universia Chile S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">86.84</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">86.84</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">86.84</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">86.84</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Internet</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Universia Colombia S.A.S.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Colombia</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Internet</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Universia Espa&#241;a Red de Universidades, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.43</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">89.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Internet</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Universia Holding, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Universia M&#233;xico, S.A. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Internet</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Universia Per&#250;, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Peru</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.73</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.73</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.73</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.64</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Internet</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Universia Uruguay, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Uruguay</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Internet</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Uro Property Holdings, S.A. (b)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">99.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate investment</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">VERT-11 Companhia Securitizadora de Cr&#233;ditos Financeiros</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(a)</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Wallcesa, S.A.</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">394</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-378"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:76.790%"><tr><td style="width:1.0%"/><td style="width:32.040%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.616%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.726%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.570%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.570%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.584%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Subsidiaries of Banco Santander, S.A. </span><span style="color:#ec0000;font-family:'Santander Headline',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">% of ownership held by</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Banco Santander</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Percentage of voting power (e)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Company</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Year 2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">WIM Servicios Corporativos, S.A. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Advisory services</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">WTW Shipping Designated Activity Company</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:1pt solid #ea6f5d;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="background-color:#f6f6f6;border-bottom:1pt solid #ea6f5d;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:1pt solid #ea6f5d;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:1pt solid #ea6f5d;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:1pt solid #ea6f5d;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Leasing</span></td></tr></table></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1219"></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="text-indent:6.66pt"><span><br/></span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">a.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;padding-left:6.07pt">Companies over which effective control is maintained.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">b.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;padding-left:5.82pt">Accounting merged company, Pending registration.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">c.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;padding-left:6.56pt">Companies in liquidation. Pending registration.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">d.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;padding-left:5.83pt">Company in liquidation as at 31 December 2025.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">e.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;padding-left:6.03pt">Pursuant to Article 3 of Royal Decree 1159/ 2010, of 17 September, approving the rules for the preparation of consolidated annual accounts, in order to determine the voting rights, voting rights held directly by the parent company have been added to those held by companies controlled by the parent company or by other persons acting in their own name but on behalf of a Group company. For these purposes, the number of votes corresponding to the parent company, in relation to the companies indirectly dependent on it, is that corresponding to the dependent company that directly participates in the share capital of the latter.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">f.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;padding-left:7.23pt">Company resident for tax purposes in Spain. </span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">g.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;padding-left:5.83pt">Company resident for tax purposes in the United Kingdom.</span></div><div style="text-indent:6.66pt"><span><br/></span></div><div style="text-indent:6.66pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">(1) Companies issuing preference shares are listed in Annex III, together with other relevant information.</span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">395</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1225"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-379"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="i0e9421c73e574f2289b40771fadc238e"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">Appendix II</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:79.157%"><tr><td style="width:1.0%"/><td style="width:28.432%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.114%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.311%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.731%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.558%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Societies of which Grupo Santander owns more than 5% (c) , entities associated with Grupo Santander and jointly controlled entities</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% of ownership held by Banco Santander</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Percentage of voting power (b)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:1pt solid #ea6f5d;padding:2px 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:105%">Company</span></td><td colspan="3" style="border-bottom:1pt solid #ea6f5d;padding:2px 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:105%">Location</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Year 2025</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year 2024</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 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:105%">Activity</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Type of company</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ea6f5d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Administrador Financiero de Transantiago S.A.</span></td><td colspan="3" style="border-top:1pt solid #ea6f5d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">13.43</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.00</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payments and collection services</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Adprotel Strand, S.L. (consolidado)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">38.20</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">38.20</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">38.20</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate development</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Aegon Santander Portugal N&#227;o Vida - Companhia de Seguros, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Aegon Santander Portugal Vida - Companhia de Seguros Vida, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Aeroplan - Sociedade Construtora de Aeroportos, Lda. (a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">19.97</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Agri Tech Investments Argentina S.A.U.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Argentine</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Aguas de Fuensanta, S.A. (a) (e)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">36.78</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">36.78</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">36.78</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Food</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">AHLC - Promo&#231;&#227;o Imobili&#225;ria, Lda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">35.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">35.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate development</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Alcoaxarqu&#237;a, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">16.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">40.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Food</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Alma UK Holdings Ltd (consolidado) </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">30.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">30.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">30.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Apolo Vault 1, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">25.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">25.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">25.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renewable energies</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Aranguren Comercial de Embalaje, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">9.96</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">24.90</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Industrial products</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Arneplant, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">11.36</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">28.41</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Footwear and textiles</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Asesor&#237;a Inform&#225;tica Gallega, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">12.54</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">31.34</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Atitlan Agro I, S.C.R., S.A.  (f)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">42.54</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Venture capital company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Attijariwafa Bank Soci&#233;t&#233; Anonyme (consolidado) </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Morocco</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">5.10</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">5.10</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">5.10</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">AutoFi Inc. </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">9.50</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">9.40</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">4.99</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">4.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">E-commerce</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Autopistas del Sol S.A. </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Argentine</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">14.17</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">14.17</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">14.17</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Highway concession</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Avanath Affordable Housing IV LLC </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">7.27</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">7.27</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">7.27</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Avanzare Innovaci&#243;n Tecnol&#243;gica, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">12.66</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">31.64</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Technology</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Axle 2023-1 Ltd</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banco RCI Brasil S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">35.85</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">39.89</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">39.89</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banco S3 Caceis M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Bank of Beijing Consumer Finance Company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">China</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Bank of Shanghai Co., Ltd. (consolidado) </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">China</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">6.54</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">6.54</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">6.54</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Biomas &#8211; Servi&#231;os Ambientais, Restaura&#231;&#227;o e Carbono S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">14.98</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">16.67</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">16.67</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Bizum, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.92</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.92</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.92</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Campo Grande Empreendimentos Ltda. (e) (a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">22.75</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">25.32</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">25.32</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inactive</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">CaptureNow Limited </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">22.22</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">22.22</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Software</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">CCPT - ComprarCasa, Rede Servi&#231;os Imobili&#225;rios, S.A.</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.98</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.98</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.98</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate services</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">396</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-380"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:79.157%"><tr><td style="width:1.0%"/><td style="width:28.432%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.114%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.311%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.731%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.558%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Societies of which Grupo Santander owns more than 5% (c) , entities associated with Grupo Santander and jointly controlled entities</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% of ownership held by Banco Santander</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Percentage of voting power (b)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Company</span></td><td colspan="3" style="padding:2px 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:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year 2024</span></div></td><td colspan="3" style="padding:2px 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:105%">Activity</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Type of company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Centro de Compensaci&#243;n Automatizado S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">22.38</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">33.33</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">33.33</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payments and collection services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Centro para el Desarrollo, Investigaci&#243;n y Aplicaci&#243;n de Nuevas Tecnolog&#237;as, S.A. </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Technology</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Cicrosa Hidra&#250;lica, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">13.20</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">33.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Industrial supplies</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">CIP S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">15.74</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">17.52</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">17.52</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">CNP Santander Insurance Europe Designated Activity Company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">CNP Santander Insurance Life Designated Activity Company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">CNP Santander Insurance Services Ireland Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Companhia Promotora UCI</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">25.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">25.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">25.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Compa&#241;ia Espa&#241;ola de Financiaci&#243;n de Desarrollo, Cofides, S.A., SME </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.18</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.18</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.17</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Compa&#241;&#237;a Espa&#241;ola de Seguros de Cr&#233;dito a la Exportaci&#243;n, S.A., Compa&#241;&#237;a de Seguros y Reaseguros (consolidado) </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">23.33</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.55</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">23.88</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">23.88</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Credit insurance</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Compa&#241;&#237;a Espa&#241;ola de Viviendas en Alquiler, S.A. (consolidado)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">24.07</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">24.07</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">24.07</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Compa&#241;&#237;a para los Desarrollos Inmobiliarios de la Ciudad de Hispalis, S.L., en liquidaci&#243;n  (a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">21.98</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">21.98</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">21.98</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate development</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Connecting Visions Ecosystems, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">29.96</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">29.96</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">37.56</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Construtora Tenda S/A </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">4.92</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">4.05</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">9.43</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Corkfoc Corti&#231;as, S.A. </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">27.54</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">27.58</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">27.58</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Cork industry</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">CSD Central de Servi&#231;os de Registro e Dep&#243;sito Aos Mercados Financeiro e de Capitais S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">16.12</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">17.94</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Decus Real Estate, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">30.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">30.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">30.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Delos Financial Technologies, Inc. </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">22.84</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">22.84</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">DoRes Securitisation S.r.l</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebora 220, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">44.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renewable energies</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ebora Evacuaci&#243;n, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renewable energies</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Elaia Agro, S.L. </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.99</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ethias Lease N.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Belgium</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Leasing</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Euro Automatic Cash Entidad de Pago, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">European Hospitality Opportunities S.&#224; r.l. </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Evacuaci&#243;n Liquesun, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">35.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Electricity production</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Evolve SPV S.r.l.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Exam Papers Plus Ltd</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">25.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">25.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Commerce</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Federal Reserve Bank of Boston </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">21.38</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">21.38</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">21.09</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Banking</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fondo de Titulizaci&#243;n de Activos UCI 14</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(d)</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">397</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-381"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:79.157%"><tr><td style="width:1.0%"/><td style="width:28.432%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.114%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.311%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.731%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.558%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Societies of which Grupo Santander owns more than 5% (c) , entities associated with Grupo Santander and jointly controlled entities</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% of ownership held by Banco Santander</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Percentage of voting power (b)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Company</span></td><td colspan="3" style="padding:2px 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:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year 2024</span></div></td><td colspan="3" style="padding:2px 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:105%">Activity</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Type of company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fondo de Titulizaci&#243;n de Activos UCI 15</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fondo de Titulizaci&#243;n de Activos UCI 16</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fondo de Titulizaci&#243;n de Activos UCI 17</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fondo de Titulizaci&#243;n, RMBS Green Prado XI</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fondo de Titulizaci&#243;n, RMBS Prado IX</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fondo de Titulizaci&#243;n, RMBS Prado VIII</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fondo de Titulizaci&#243;n, RMBS Prado X</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Forest Power Aranda, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renewable energies</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Forest Power Cantabria, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Electricity production</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Forest Power Delta, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Gas production</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Forest Power Epsilon, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chemical products production</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Forest Power Gamma, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chemical products production</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Forest Power Kappa, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Gas production</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Forest Power Lambda, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chemical products production</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Forest Power Omicron, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chemical products production</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Forest Power Zeta, S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chemical products production</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Forest Power, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">55.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renewable energies</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Forgepoint Capital International Management Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fortune Auto Finance Co., Ltd</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">China</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">FrauDfense, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">33.33</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">33.33</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">33.33</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">IT services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fremman limited (consolidado) </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">32.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">4.99</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">4.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Fundo de Investimento em Direitos Credit&#243;rios Multisegmentos NPL Ipanema X Responsabilidade Limitada</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">44.93</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment fund</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Gestamp Real Estate Assets 1, S.L. (e)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">43.89</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">43.89</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate management</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Gestamp Real Estate Bizkaia, S.L. (e)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">24.92</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">24.92</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate management</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Gestamp Real Estate Investment 2, S.L. (e)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">37.41</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">37.41</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate management</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Gestamp Real Estate Management 3, S.L. (e)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">36.19</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">36.19</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate management</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Gestora de Intelig&#234;ncia de Cr&#233;dito S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">13.98</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">16.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">16.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Collection services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Gire S.A.</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Argentine</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">58.23</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">58.33</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">58.33</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payments and collection services</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">398</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-382"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:79.157%"><tr><td style="width:1.0%"/><td style="width:28.432%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.114%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.311%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.731%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.558%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Societies of which Grupo Santander owns more than 5% (c) , entities associated with Grupo Santander and jointly controlled entities</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% of ownership held by Banco Santander</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Percentage of voting power (b)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Company</span></td><td colspan="3" style="padding:2px 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:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year 2024</span></div></td><td colspan="3" style="padding:2px 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:105%">Activity</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Type of company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Glenrowan Solar Holdings Pty Ltd</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Australia</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Global Esmirna, S.L. (en liquidaci&#243;n) (a) </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">15.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">37.51</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">HCUK Auto Funding 2017-2 Ltd</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">HCUK Auto Funding 2022-1 Limited </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">HCUK Auto Funding 2025-1 Ltd</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Healthy Neighborhoods Equity Fund I LP </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">22.37</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">22.37</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">22.37</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Hyundai Capital UK Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.01%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.01</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.01</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Hyundai Corretora de Seguros Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">44.93%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance mediation</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Imperial Holding S.C.A. (a) </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">36.36%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">36.36</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">36.36</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securities investment</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Imperial Management S.&#224; r.l.  (a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">40.20%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">40.20</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">40.20</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Invensa Tradeco UK Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">25.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">25.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">4.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inverlur Aguilas I, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inverlur Aguilas II, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inversiones ZS Am&#233;rica Dos Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate and property investment</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Inversiones ZS Am&#233;rica SpA</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate and property investment</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Klar Holdings Limited (consolidado) </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Cayman Islands</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">7.35%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">7.35</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">LB Oprent, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">40.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">40.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">40.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Industrial machinery rental</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Logitek Software Ltd (e)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.27</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.27</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Software</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mapfre Santander Portugal - Companhia de Seguros, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.99</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Massachusetts Business Development Corp. (consolidado) </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">21.61</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">21.61</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">21.61</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">MB Capital Fund IV, LLC </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">21.51</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">21.51</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">21.51</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Merlin Properties, SOCIMI, S.A. (consolidado) </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.08</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">4.63</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">24.68</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">24.90</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate investment</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Merlion Aviation One Designated Activity Company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(g)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Metrovacesa, S.A. (consolidado) </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">31.94</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">17.46</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.43</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.47</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate development</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Nera Agro Holding, S.L. </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Nera Paraguay S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Paraguay</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Nera Uruguay S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Uruguay</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ocyener 2008, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">45.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">45.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">45.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Operadora de Activos Beta, S.A. de C.V.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.99</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payever GmbH</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">10.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">10.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">10.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Software</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">399</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-383"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:79.157%"><tr><td style="width:1.0%"/><td style="width:28.432%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.114%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.311%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.731%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.558%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Societies of which Grupo Santander owns more than 5% (c) , entities associated with Grupo Santander and jointly controlled entities</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% of ownership held by Banco Santander</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Percentage of voting power (b)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Company</span></td><td colspan="3" style="padding:2px 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:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year 2024</span></div></td><td colspan="3" style="padding:2px 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:105%">Activity</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Type of company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Phoenix C1 Aviation Designated Activity Company (a)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(g)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Play Digital S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Argentine</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">13.49</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">13.52</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">14.21</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment platform</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Pluxee Beneficios Brasil S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">17.97</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">POLFUND - Fundusz Por&#281;cze&#324; Kredytowych S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Poland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">29.35</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Management</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portland SPV S.r.l.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Prodesa Medioambiente, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">9.80</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">24.50</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Agricultural projects</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Promontoria Manzana, S.A. (consolidado) </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Proteos Biotech, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">12.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">30.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Pharmaceutical</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Redbanc S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">22.44</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">33.43</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">33.43</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Redsys Servicios de Procesamiento, S.L. (consolidado)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">24.90</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.06</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">24.96</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">24.96</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Cards</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Resurgence, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">40.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">40.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate development</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Retama Real Estate, S.A. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">R&#237;as Redbanc S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Uruguay</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">25.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">25.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">25.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">RMBS Bel&#233;m No.2</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Roc Aviation One Designated Activity Company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(g)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Roc Shipping One Designated Activity Company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(g)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renting</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">RP Royal Distribution, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">23.73</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">23.73</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Food</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">S3 Caceis Brasil Distribuidora de T&#237;tulos e Valores Mobili&#225;rios S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securities company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">S3 Caceis Brasil Participa&#231;&#245;es S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">S3 CACEIS Colombia S.A. Sociedad Fiduciaria</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Colombia</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Sancus Green Investments II, S.C.R., S.A. </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">33.02</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">33.02</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">33.02</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Venture capital company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Allianz Towarzystwo Ubezpiecze&#324; na &#379;ycie S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Poland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">28.76</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Allianz Towarzystwo Ubezpiecze&#324; S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Poland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">28.76</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Assurance Solutions, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.67</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.67</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">66.67</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance mediation</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Auto S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">44.93</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Caceis Latam Holding 1, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Caceis Latam Holding 2, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Generales Seguros y Reaseguros, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Mapfre Hipoteca Inversa, E.F.C., S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Mapfre Seguros y Reaseguros, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.99</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Vida Seguros y Reaseguros, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Seaya Holdco, S.L. (consolidado)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">24.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">24.99</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">24.99</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Servicios de Infraestructura de Mercado OTC S.A</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">8.38</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">12.48</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">12.48</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">400</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-384"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:79.157%"><tr><td style="width:1.0%"/><td style="width:28.432%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.114%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.311%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.731%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.558%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Societies of which Grupo Santander owns more than 5% (c) , entities associated with Grupo Santander and jointly controlled entities</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% of ownership held by Banco Santander</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Percentage of voting power (b)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Company</span></td><td colspan="3" style="padding:2px 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:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year 2024</span></div></td><td colspan="3" style="padding:2px 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:105%">Activity</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Type of company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SIBS-SGPS, S.A. (consolidado) </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">15.54</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">16.55</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">15.56</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Management of portfolios</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">SIG RCRS A/B MF 2023 Venture LLC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Siguler Guff SBIC Fund LP </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Investment company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Sistema de Tarjetas y Medios de Pago, S.A. </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.61</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.61</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">20.61</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment methods</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Sociedad Conjunta para la Emisi&#243;n y Gesti&#243;n de Medios de Pago, E.F.C., S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">45.70</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">45.70</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">45.70</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Payment services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Sociedad de Garant&#237;a Rec&#237;proca de Santander, S.G.R. </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">24.91</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.22</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">25.13</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">25.17</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Sociedad de Gesti&#243;n de Activos Procedentes de la Reestructuraci&#243;n Bancaria, S.A. </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">22.21</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">22.21</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">22.21</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Sociedad Interbancaria de Dep&#243;sitos de Valores S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">19.66</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">29.29</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">29.29</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securities deposits</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Sociedad Operadora de la C&#225;mara de Compensaci&#243;n de Pagos de Alto Valor S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">9.21</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">13.72</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Solar Maritime Designated Activity Company </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(d)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Leasing</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">STELLANTIS Insurance Europe Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Malta</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">STELLANTIS Life Insurance Europe Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Malta</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Stephens Ranch Wind Energy Holdco LLC (consolidado) </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">15.10</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">15.10</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">15.80</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Renewable energies</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Tecnologia Banc&#225;ria S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">17.05</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">19.81</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">18.98</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">ATMs</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Tonopah Solar Energy Holdings I, LLC (e)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">26.80</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">26.80</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">26.80</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Transbank S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">16.78</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">25.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">25.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Cards</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">U.C.I., S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">UCI Greece Credit and Loan Receivables Servicing Company Single Member Societe Anonyme</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Greece</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Financial services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">UCI Holding Brasil Ltda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">UCI Media&#231;&#227;o de Seguros, Unipessoal Lda.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance mediation</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">UCI Servicios para Profesionales Inmobiliarios, S.A. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Uncapped Limited </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">29.14</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">29.14</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Unicre-Institui&#231;&#227;o Financeira de Cr&#233;dito, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">21.83</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">21.86</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">21.86</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Finance company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Uni&#243;n de Cr&#233;ditos Inmobiliarios, S.A. Unipersonal, EFC</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mortgage lending company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Valorhold, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">16.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">39.99</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">VCFS Germany GmbH</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Marketing</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Venda de Ve&#237;culos Fundo de Investimento em Direitos Credit&#243;rios</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">35.85</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">39.89</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">39.89</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Securitization</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Volvo Car Financial Services UK Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.01</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.01</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.01</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Leasing</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Waycarbon Solu&#231;&#245;es Ambientais e Projetos de Carbono S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">68.75</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">50.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Consulting services</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Webmotors S.A.</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">26.96</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">30.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">30.00</span></td><td style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Services</span></td><td colspan="3" style="border-bottom:0.25pt solid #9bc3d3;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr></table></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">401</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-385"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:79.157%"><tr><td style="width:1.0%"/><td style="width:28.432%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.114%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.311%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.685%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.731%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.558%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Societies of which Grupo Santander owns more than 5% (c) , entities associated with Grupo Santander and jointly controlled entities</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% of ownership held by Banco Santander</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Percentage of voting power (b)</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Company</span></td><td colspan="3" style="padding:2px 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:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Year 2025</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year 2024</span></div></td><td colspan="3" style="padding:2px 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:105%">Activity</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Type of company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">WWSO II LLP</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">94.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">94.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Real estate investment</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Zurich Santander Brasil Seguros e Previd&#234;ncia S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">48.79</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">48.79</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">48.79</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Zurich Santander Holding (Spain), S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Zurich Santander Holding Dos (Spain), S.L. Unipersonal</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Zurich Santander Insurance Am&#233;rica, S.L.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Holding company</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Zurich Santander Seguros Argentina S.A. </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Argentine</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Zurich Santander Seguros de Vida Chile S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Zurich Santander Seguros Generales Chile S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Zurich Santander Seguros M&#233;xico, S.A.</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Zurich Santander Seguros Uruguay S.A.</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Uruguay</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9bc3d3;padding:0 1pt"/><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">49.00</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Insurance</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Associated</span></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">a.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:6.07pt">Company in liquidation as at 31 December 2025.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">b.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.82pt">Pursuant to Article 3 of Royal Decree 1159/ 2010, of 17 September, approving the rules for the preparation of consolidated annual accounts, in order to determine the voting rights, voting rights held directly by the parent company have been added to those held by companies controlled by the parent company or by other persons acting in their own name but on behalf of a group company. For these purposes, the number of votes corresponding to the parent company, in relation to the companies indirectly dependent on it, is that corresponding to the dependent company that directly participates in the share capital of the latter.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">c.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:6.56pt">Excluding the Group companies listed in Appendix I, as well as those which are of negligible interest with respect to the true and fair view that the consolidated financial statements must give (in accordance with articles 48 of the Commercial Code and 260 of the Spanish Companies Act).</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">d.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.83pt">Companies over which joint control is maintained.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">e.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:6.03pt">Company with no financial information available.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">f.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:7.23pt">Investment managed discretionally by a manager outside the Santander Group, the voting rights not being, in this case, decisive in determining control of the entity.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">g.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.83pt">Company over which effective control has been lost.</span></div><div style="text-indent:6.66pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">402</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1231"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-386"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:6pt;margin-top:24pt"><span id="i3385c97e037a4593b788f56095c521f6"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">Appendix III </span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:67.320%"><tr><td style="width:1.0%"/><td style="width:46.592%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.064%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.987%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.867%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.990%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Issuing subsidiaries of shares and preference shares</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">% of ownership held by Banco Santander</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 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:105%">Company</span></td><td colspan="3" style="padding:2px 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:105%">Location</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Direct</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Indirect</span></td><td colspan="3" style="padding:2px 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:105%">Activity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Emisora Santander Espa&#241;a, S.A. Unipersonal (b)</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Spain</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"/><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 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:105%">Santander UK (Structured Solutions) Limited</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="border-top:0.5pt solid #c3dee7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.5pt solid #c3dee7;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #c3dee7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.5pt solid #c3dee7;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 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:105%">Santander Global Issuances B.V. (a)</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Netherlands</span></td><td colspan="2" style="border-top:0.5pt solid #c3dee7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.5pt solid #c3dee7;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #c3dee7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.5pt solid #c3dee7;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Finance company</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #c3dee7;padding:2px 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:105%">Sovereign Real Estate Investment Trust</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #c3dee7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #c3dee7;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #c3dee7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #c3dee7;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #c3dee7;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Finance company</span></td></tr></table></div><div style="text-indent:6.66pt"><span><br/></span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">a.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:6.07pt">Company with tax residence in Spain.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">b.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.82pt">Accounting merged company. Pending registration.</span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">403</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1234"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-387"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:24pt"><span id="i2a2c8c520d744159ad3aa3fcc8825a35"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">Appendix IV</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i31bb6fe4d32a4b51b0a721ce073fd399"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">Notifications of acquisitions and disposals of investments in 2025</span></div><div style="margin-bottom:9pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">(Art. 155 of the Corporate Enterprises Act and Art. 105 of the Securities Market Law). </span></div><div style="margin-bottom:9pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Regarding compliance with Art. 125 of the Securities Market Law, no required notifications were submitted during 2025.</span></div><div style="margin-bottom:9pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In relation to the information required by 155 of the Corporate Enterprises Act, on the shareholdings in which Grupo Santander owns more than 10% of the capital of another company, and the successive acquisitions of more than 5% of the share capital, see appendices I, II and III.</span></div><div><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">404</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1237"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-388"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:24pt"><span id="i601cbd39ac574cf891bedc4df5924d91"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">Appendix V </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i67fd6ba1dc9b4957ae370bc2ab9980c1"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">Other information on the Group&#8217;s banks</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ib93049bbce3c465395e850c46e8005e0"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">Following is certain information on the share capital of the Group&#8217;s main banks based on their total assets.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i6fcb8493d998444db9b0ecdbf1907ede"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">1</span><span style="background-color:#ffffff;color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">. Santander UK plc</span></div><div style="margin-bottom:3pt;margin-top:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span id="ia0acbac83b6540bc9b1930a15521238b"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">a)</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%;padding-left:3.27pt">Number of financial equity instruments held by the Group.</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:130%">At 31 December 2025, the Company was a subsidiary of Banco Santander, S.A. and Santusa Holding, S.L.</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:130%">On 12 November 2004 Banco Santander, S.A. acquired the then entire issued ordinary share capital of 1,485,893,636 Ordinary shares of 10p. each. On 12 October 2008 a further 10 billion Ordinary shares of 10p. each were issued to Banco Santander, S.A. and an additional 12,631,375,230 Ordinary shares of 10p. each were issued to Banco Santander, S.A. on 9 January on 2009. On 3 August 2010, 6,934,500,000 Ordinary shares of 10p. each were issued to Santusa Holding, S.L.. With effect from 10 January 2014, Santander UK Group Holdings Limited, a subsidiary of Banco Santander, S.A. and Santusa Holding, S.L., became the beneficial owner of 31,051,768,866 Ordinary shares of 10p. each, being the entire issued ordinary share capital of the Company, by virtue of a share exchange agreement between Santander UK Group Holdings Limited, Banco Santander, S.A. and Santusa Holding, S.L.. Santander UK Group Holdings Limited became the legal owner of the entire issued Ordinary share capital of the Company on 1 April 2014 and on 25 March 2015 became a public limited company and changed its name from Santander UK Group Holdings Limited to Santander UK Group Holdings plc. In addition to this, there are 325,000,000 Non-Cumulative Non-Redeemable 10.375% and 8.625% Sterling Preference Shares of GBP 1.00 each. In addition to this there were 13,780 Series A Fixed (6.222%)/Floating Rate Non-Cumulative Callable Preference Shares of GBP 1.00 each which were redeemed and cancelled in their entirety on 24 May 2019. The legal and beneficial title to the entire issued Preference share capital is held by third parties and is not held by Banco Santander, S.A. </span></div><div style="margin-bottom:3pt;margin-top:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span id="i0bca479ed62a44dcab83af597c7c44dc"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">b)</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%;padding-left:2.92pt">Capital increases in progress</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:130%">At 31 December 2025, there were no approved capital increases.</span></div><div style="margin-bottom:3pt;margin-top:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span id="ia4dc5fe013d541faab0b0960555eb68a"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">c)</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%;padding-left:4.06pt">Share capital authorised by the shareholders at the general meeting</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:130%">The shareholders resolved at the Annual General Meeting held on 30 June 2025, to authorise unconditionally, the company to carry out the following repurchases of the  share capital: </span></div><div style="margin-bottom:1pt;margin-top:9pt"><span id="ia30252b162d14187afc156530d68f2fa"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">(1) To buy back its own 8.625% Sterling Preference shares on the following terms:</span></div><div style="margin-bottom:1pt;margin-top:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span id="ia21105f424a349358a7e6302018e5282"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">(a)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;padding-left:1.16pt">The Company may buy back up to 125,000,000 8.625% Sterling Preference shar<span id="i90bab23621f34b57b5de4b985a6fc11d"></span></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">es;</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">(b)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:1.28pt">The lowest price which the Company can pay for 8.625% Sterling Preference shares is 75% of the average of the market values of the preference shares for five business days before the purchase is made; and</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">(c)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:2.19pt">The highest price (not including expenses) which the Company can pay for each 8.625% Sterling Preference share is 125% of the average of the market values of the preference shares for five business days before the purchase is made.</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:130%">This authority shall begin on the date of the passing of this resolution and end on the conclusion of the next Annual General Meeting of the Company. The Company may agree, before this authorisation ends, to buy back its own 8.625% preference shares even though the purchase may be completed after this authorisation ends.</span></div><div style="margin-bottom:1pt;margin-top:9pt"><span id="i378cfdbbf55b419a8bdda542e10d5769"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">(2) To buy back its own 10.375% Sterling Preference shares on the following terms:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">(a)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:1.58pt">The Company may buy up to 200,000,000 10.375% Sterling Preference shares;</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">(b)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:1.28pt">The lowest price which the Company can pay for 10.375% Sterling Preference shares is 75% of the average of the market values of the preference shares for five business days before the purchase is made; and</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">(c)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:2.19pt">The highest price (not including expenses) which the Company can pay for each 10.375% Sterling Preference share is 125% of the average of the market values of the preference shares for five business days before the purchase is made.</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:130%">This authority shall begin on the date of the passing of this resolution and end on the conclusion of the next Annual General Meeting of the Company. The Company may agree, before this authorisation ends, to buy back its own 10.375% preference shares even though the purchase may be completed after this authorisation ends.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="id9adb82059524917b409e40e0b1756f1"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">d) Rights on founder&#8217;s shares, 'rights' bonds, convertible debentures and similar securities or rights</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ic39f9925f7a442aea2090ba889f69ad7"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">e) Specific circumstances that restrict the availability of reserves</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ie8122045b8b9457f84a7ed4405b822cb"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">f) Entities outside the Group which own, directly or through subsidiaries, a stake equal to or greater than 10% of the equity.</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i55545ad86b424465a30bdcd63694cc47"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">g) Equity instruments admitted to trading</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:130%">The preference share capital of Santander UK plc is traded on the London Stock Exchange under the following details:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">10.375% Sterling Preference - ISIN: GB0000064393</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">8.625% Sterling Preference - ISIN: GB0000044221</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i28c28c2eaa98427e94860d3f773f9bd8"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">2. Santander Financial Services plc  </span></div><div style="margin-bottom:3pt;margin-top:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span id="i9dfdaffc48ba41e0bb6f326f43aac072"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">a)</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%;padding-left:3.27pt">Number of financial equity instruments held by the Group</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:130%">The Group holds ordinary shares amounting to GBP 249,998,000 through Santander UK Group Holdings plc (249,998,000 ordinary shares with a par value of GBP 1 each).</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">405</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-389"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The Group also holds 1,000 tracker shares (shares without voting rights but with preferential dividend rights) amounting to GBP 1,000 and 1,000 B tracker shares amounting to GBP 1,000 through Santander UK Group Holdings plc, both with a par value of GBP 1 each.</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:130%">Additionally, the company issued GBP 50 million additional tier 1 (AT ) capital securities to Santander UK Group Holdings plc on 19 December 2022.</span></div><div style="margin-bottom:3pt;margin-top:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span id="ia375dd661efd4119a1d4f43581442017"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">b)</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%;padding-left:2.92pt">Capital increases in progress</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:130%">No approved capital increases are in progress.</span></div><div style="margin-bottom:3pt;margin-top:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span id="i59061c553a4f4b1892805b3b37ceb5f6"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">c)</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%;padding-left:4.06pt">Capital authorised by the shareholders at the general meeting</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span id="i4d2ccec5ac38409395891b5786e76073"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">d)</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%;padding-left:2.93pt">Rights on founder&#8217;s shares, 'rights' bonds, convertible debentures and similar securities or rights</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span id="id676adaba8f44ce29adf71b66defe958"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">e)</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%;padding-left:3.21pt">Specific circumstances that restrict the availability of reserves</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span id="ib6ee9bc89bc6464a822fe56b3133e6c8"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">f)</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%;padding-left:4.84pt">Entities outside the Group which own, directly or through subsidiaries, a stake equal to or greater than 10% of the equity.</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span id="i725998cf156343549a3d22c5a611fa64"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">g)</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%;padding-left:2.93pt">Equity instruments admitted to trading</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i14075c13772a4662a75ae7238a0f183a"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">3. Banco Santander (Brasil) S.A.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ie8bc3bca246d4025801043f05e8ac2c6"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">a) Number of financial equity instruments held by the Group</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:130%">The Group holds 3,440,170,512 ordinary shares and 3,273,507,089 preference shares through Banco Santander, S.A. and its subsidiaries Sterrebeeck B.V. and Grupo Empresarial Santander, S.L.</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:130%">The shares composing the share capital of Banco Santander (Brasil) S.A. have no par value and there are no pending payments. At 2025 year-end, the bank&#8217;s treasury shares consisted of 13,666,460 ordinary shares and 13,666,460 preferred shares, with a total of 27,332,920 shares.</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:130%">In accordance with current Bylaws (Article 5.7), the preference shares do not confer voting rights on their holders, except under the following circumstances:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.31pt">In the event of transformation, merger, consolidation or spin-off of the company.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.01pt">In the event of approval of agreements between the company and the shareholders, either directly, through third parties or other companies in which the shareholders hold a stake, provided that, due to legal or Bylaws provisions, they are submitted to a general meeting.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.92pt">In the event of an assessment of the assets used to increase the company&#8217;s share capital.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The General Assembly may, at any moment decide to convert the preference shares into ordinary shares, establishing a reason for the conversion.</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:130%">However, the preference shares do have the following advantages (Article 5.6):</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.31pt">Their dividends are 10% higher than those distributed to ordinary shares.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.01pt">Priority in the dividends distribution.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.92pt">Participation, on the same terms as ordinary shares, in capital increases resulting from the reserves and profits capitalization and in the distribution of bonus shares arising from the capitalization of retained earnings, reserves or any other funds.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">d)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.01pt">Priority in the reimbursement of capital in the event company&#8217;s dissolution.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">e)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.25pt">In the event of a public offering due to a change in control of the company, the holders of preferred shares are guaranteed the right to sell the shares at the same price paid for the block of shares transferred as part of the change of control, i.e. they are treated the same as shareholders with voting rights.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="if869db1670a343cfbaa7075de3bd57fe"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">b) Capital increases in progress</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:130%">No approved capital increases are in progress.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ic0b1473bf84344149c015cd4fdf97b96"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">c) Capital authorised by the shareholders at the general meeting</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:130%">The company is authorised to increase share capital, subject to approval by the board of directors, up to a limit of 9,090,909,090 ordinary shares or preferred shares, and without need to maintain any ratio between any of the different classes of shares, provided they remain within the limits of the maximum number of preferred shares provided in Law.</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:130%">As of 31 December 2025, the share capital consists of 7,498,531,051 shares (3,818,695,031 ordinary shares and 3,679,836,020 preferred shares).</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ie2a28aba16e54ce6aee275fb0f4c51cd"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">d) Rights on founder&#8217;s shares, 'rights' bonds, convertible debentures and similar securities or rights</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At the general meeting held on 21 December 2016 the shareholders approved the rules relating to the deferred remuneration plans for the directors, management and other employees of the company and of companies under its control. Shares delivery is linked to achievement of certain targets. </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">At the general meeting held on April 26, 2024, the shareholders approved an adjustment to the relevant regulations for the calculation of the average period of daily quotations for the purposes of bonus payments.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i144d87b5464f45f4ad1585b7ac3c0810"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">e) Specific circumstances that restrict reserves availability</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:130%">The only restriction on the availability of Banco Santander (Brasil) S.A.&#8217;s reserves is connected to the requirement for the legal reserve formation (restricted reserves), which can only be used to offset losses or to increase capital.</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:130%">The legal reserve requirement is set-forth in Article 193 of the Brazilian Corporations Law, which establishes that before allocating profits to any other purpose, 5% of profits must be transferred to the legal reserve, which must not exceed 20% of the company&#8217;s share capital.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">406</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-390"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i398ccec7c0ba444e8a9ea078425347b1"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">f) Entities outside the Group which own, directly or through subsidiaries, a stake equal to or greater than 10% of the equity.</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ib56a5ad92397418f96b58bc552c0ca56"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">g) Equity instruments admitted to trading</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:130%">All the shares are listed on the S&#227;o Paulo Stock Exchange ( B3 - Brasil, Bolsa, Balc&#227;o) and the shares deposit certificates (American Depositary Receipts - ADR) are listed on the New York Stock Exchange (NYSE).</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ib01a20df5f1349f6a0243796491975e2"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">4. Santander Bank, National Association</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i66925ab735ef486f8255d67525351e98"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">a) Number of financial equity instruments held by the Group</span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">At 31 December, 2025, the Group held 530,391,043 ordinary shares that carry the same voting and dividend acquisition rights over Santander Holdings USA, Inc. (SHUSA). This </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.5pt;font-style:italic;font-weight:400;line-height:130%">holding</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%"> company holds 1,237 ordinary shares of Santander Bank, National Association (SBNA) with a par value of USD 1 each, which carry the same voting rights and constitute all the share capital of SBNA. </span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">Prior to 1 December, 2025, SHUSA held an 80.84% ownership interest in SBNA, and the remaining 19.16 % was held by Independence Community Bank Corp. (ICBC), a wholly owned subsidiary of SHUSA.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:12pt;font-weight:400;line-height:130%">  </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">ICBC was dissolved and its ownership interest in SBNA was distributed in liquidation to SHUSA on 1 December, 2025. </span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">There is no shareholders&#8217; meeting for the ordinary shares of SBNA.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i5be235a3f7944bc5aa6c578bf0cffef5"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">b) Capital increases in progress</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:130%">At 31 December 2025 there were no approved capital increases.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i5bf790a8302f4095bc9ce767e1d7eae3"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">c) Capital authorised by the shareholders at the general meeting</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ibab88ff489b241cebff4d510395b8ef1"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">d) Rights on founder&#8217;s shares, 'rights' bonds, convertible debentures and similar securities or rights</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i74bd14e480c24686bebbfbdfb39aec3c"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">e) Specific circumstances that restrict the availability of reserves</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ifd13d1ce43574a078f470b3fd52ba4a5"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">f) Entities outside the Group which own, directly or through subsidiaries, a stake equal to or greater than 10% of the equity.</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i20f80b2039404099900ef9eced9b04b7"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">g) Equity instruments admitted to trading</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:130%">Not applicable.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="ic21a6f10c5fb42a1a16826ca18b06fb1"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">5. Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="idab623f4caf646529d842e3a370c00b0"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">a) Number of financial instruments of capital held by the group.</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:130%">Grupo Financiero Santander M&#233;xico, S.A. de C.V. ('Grupo Financiero') and Gesban M&#233;xico Servicios Administrativos Globales, S.A. de C.V. (M&#233;xico), hold 5,088,000,736 shares which represent the 74.97% of the capital stock of  Banco Santander M&#233;xico and Banco Santander, S.A. holds 1,691,806,903 shares which represent the 24.92% of such capital stock. </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:130%">On November 30, 2022, an Extraordinary Shareholders' Meeting of Banco Santander M&#233;xico, was held at which it was approved (a) to cancel the registration of all of the shares representing the capital stock of the Company in the National Securities Registry (RNV) maintained by the National Banking and Securities Commission and to delist them from the Mexican Stock Exchange (Bolsa Mexicana de Valores, S.A.B. de C.V.), and (b) delist the American Depositary Shares (each representing five series 'B' shares of the Company) from the New York Stock Exchange and delist the Company's series 'B' shares and such American Depositary Shares from registration with the US Securities and Exchange Commission; and (c) to conduct certain tender offers for the series 'B' shares representing the capital stock of the Company and the American Depositary Shares.</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:130%">Tender offers for the acquisition of shares were carried out from February 7 to April 10, 2023, where Banco Santander, S.A. acquired a total of 244,306,313 series 'B' shares.</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:130%">Once the offers were finalized and in accordance with the Mexican regulation, on May 8, 2023, a trust was established for a period of 6 months, to carry out the acquisition of shares of Banco Santander M&#233;xico, including those represented by American Depositary Shares listed on the New York Stock Exchange (which were not owned at that time by Banco Santander, S.A. or its subsidiaries) owned by shareholders who did not participate in the tender offers made by Banco Santander, S.A.</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:130%">On May 4 and 12, 2023, respectively, Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico, was delisted from the New York Stock Exchange, LLC and the RNV .</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:130%">On November 8, 2023, the trust ended; as a result, Banco Santander, S.A. repurchased 9,243,880 series 'B' shares from shareholders who did not participate in the tender offers, leaving a total of 1,714,399 shares of the series 'B' in the hands of minority shareholders.</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:130%">On February 13, 2024, an Extraordinary Shareholders' Meeting of Banco Santander M&#233;xico, S.A. was held, at which it was approved to amend the Bylaws of the Institution to remove the obligations established by the Securities Market Law as a public company.</span></div><div style="margin-top:9pt"><span id="ia32f811fdae64473a8ca0883c8244ef8"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:106%">b) Ongoing capital stock increases.</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:130%">To this date there are not ongoing capital stock increases.</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">407</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-391"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i380667e5568f4f189d83e6dff9328e29"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">c) Authorized Capital  by the Shareholders Meeting.</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:130%">On April 20, 2021, the Company held an Extraordinary General Shareholders' Meeting, at which, among other items, it was approved an increase in the authorized capital stock of the Company to  6,825,447,481.00 Mexican pesos  represented by 1,805,300,000 unsubscribed and unpaid shares, which are held in treasury so that the Company may issue Capital Instruments representing non-preferred subordinated debt, perpetual nature and convertible into ordinary shares, together with the corresponding amendment to the Company&#8217;s Bylaws. This increase was approved by the National Banking and Securities Commission (CNBV) through official communication number 312-3/10039041/2021 dated November 8, 2021.</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:130%">As a result of said agreement, the Company requested the update of the registration of the shares representing the capital stock of Banco Santander Mexico, S.A. in the RNV, which was authorized by the CNBV through official communication number 153/2800/2022 dated May 20, 2022.In the aforementioned official communication, it was requested that the Company adjusted the amounts in pesos corresponding to the capital stock to include cents, and therefore, through an Extraordinary General Stockholders' Meeting held on July 19, 2022, the corresponding adjustment was made, which was authorized by the CNBV through official communication number 312-3/93573/2023 dated January 3, 2023.</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:130%">The  capital stock of the Bank is 32,485,600,109.44 Mexican pesos  represented by a total of 8,592,294,357  shares with a nominal value of 3.780782962 Mexican pesos each one; divided in 4,385,824,012  stocks  'F' series and 4,206,470,345 shares  'B' series. The capital stock is constituted as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"> Subscribed and paid-in capital of the Bank is 25,660,152,628.14 Mexican pesos represented by a total of 6,786,994,357  shares with a nominal value of 3.780782962 Mexican pesos  each one; divided in 3,464,309,145 shares 'F' series and 3,322,685,212 shares series. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The authorized capital stock for the conversion of obligations into shares of the Company is  6,825,447,481.30 Mexican pesos,  represented by a total of 1,805,300,000  shares with a nominal value of  3,780782962 Mexican pesos  each; divided into 921,514,867  series 'F' shares and 883,785,133  series 'B shares'. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i0093d47598264819bcd877caf5ebbd10"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"> d) Rights incorporated into parts of founder, bonds or debt, convertible obligations and securities or similar rights.</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:130%">On September 20, 2018, Banco Santander M&#233;xico, issued and placed equity instruments, subordinated, preferential, and not convertible into shares, governed by foreign law, representative of the complementary part of the net capital of Banco Santander Mexico (</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:130%">tier 2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> subordinated preferred capital notes), for the amount of 1,300 million American dollars (the 'Instruments'), whose resources were used mainly for the acquisition of the 94.07% of the Subordinated Notes 2013. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On June 15, 2020, the Bank&#8217;s Shareholders' Meeting was held, which approved to increase the debt securities issuance in order to be settled in the amount of 10,000 million American dollars, to be used considering the following, among others: i) issuance of debt securities in local and international markets; ii) senior or subordinated debt, including in both cases preferred and not preferred securities, and debt securities classified as capital on a regulatory point of view. The board of directors on its meeting held on June 18, 2020, ratified the 10,000 million American dollars limit approved by the above mentioned Shareholders Meeting.</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:130%">On April 20, 2021, a General Extraordinary Shareholders' Meeting of Banco Santander M&#233;xico was held, where among other issues, it was approved that the Bank may issue subordinated non preferential perpetual and convertible capital notes, to be placed abroad, in accordance with the Banco de Mexico authorization. </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:130%">On September 15, 2021, Banco Santander Mexico issued abroad the 'Perpetual Subordinated Non-Preferred Contingent Convertible Additional Tier 1 Notes', up to an amount of 700 million American dollars. On the same date, the Bank paid the '2016 Obligations' issued by the Bank, on a fixed initial rate of 4.625% up to an amount of 700 million American dollars.</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:130%">On January 25, 2024, the Bank&#8217;s board of directors approved, among others, the issuance of preferred subordinated Notes </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:130%">tier 2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> abroad, up to 1,500 million American dollars. Subsequently, the General Shareholders Meeting dated February 27, 2024, approved the issuance of capital instruments as part of the complementary capital (</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:130%">tier 2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">), to be placed abroad, up to an amount of 1,030 million American dollars (900 million American dollars were effectively placed).</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:130%">On October 17, 2024, the Bank&#8217;s board of directors approved, among others, the issuance of a Senior Note abroad up to an amount of 700 million American dollars.</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:130%">On April 24, 2025, the Bank&#8217;s board of directors approved, among others, the issuance of Subordinated Preferred </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:130%">tier2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> Notes to be placed abroad, for the amount of 1,200 million American dollars during 2025. Subsequently, the Bank&#8217;s General Shareholders Meeting dated June 17, 2025, approved the issuance of capital instruments as part of the complementary capital (</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:130%">tier 2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">), to be placed abroad, up to an amount of 1,200 million US dollars (the total amount was effectively placed).</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:130%">The approved debt issuance of Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico is currently composed as follows:</span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">408</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-392"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:31.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.159%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.901%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Instrument</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Type</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Term</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Amount</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Available</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Issuance Program of unsecured bonds and unsecured certificates of deposit</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Revolving</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">04-Mar-2026</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80,000 million Mexican pesos, or its equivalent in UDIs, dollars or any other foreign currency</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">$31,870 million Mexican pesos</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Private banking structured bonds Act with subsequent placements (JBSANPRIV 24-1)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Not revolving</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10-Oct-2029</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100,000 million Mexican pesos</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">$0 million Mexican pesos</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Private structured bonds Act with subsequent placements (JBSANPRIV 25-1)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Not revolving</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01-Oct-2030</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100,000 million Mexican pesos</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">$85,889 million Mexican pesos</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Public banking structured bonds Act with subsequent placements </span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Not revolving</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16-Dic-2027</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,000 million Mexican pesos</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">$10,000 million Mexican pesos</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Subordinated Notes RegS (2025)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Not revolving</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27-Jun-2032</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,200 million American dollars</span></div></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Capital Notes (tier 2 Capital)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Not revolving</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1-Oct-2028</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,300 million American dollars</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Subordinated Notes, perpetual and convertible (tier 1)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Not revolving</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">perpetual</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">700 million American dollars</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Subordinated Preferred Notes (2024)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Not revolving</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21-Mar-2030</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">900 million American dollars</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Senior Notes 144.&#170;/RegS (2024)</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Not revolving</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10-Dic-2029</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">700 million American dollars</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td></tr></table></div><div style="margin-bottom:6pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">The issuance of the structured private banking bonds is not revolving. Once placed the amount laid down in the corresponding brochure a new certificate will be issued on the authorized amount.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i8ec79204a36b40e481d7a74667c90952"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">e) Specific circumstances restricting the availability of reserves.</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:130%">According to the Law of Financial Institutions, general dispositions applicable to financial institutions, General Corporations law and the Bylaws, the Bank has to constitute or increase its capital reserves to ensure the solvency to protect the payments system and the public savings.</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:130%">The Bank increases its legal reserve annually accordingly to the results obtained in the fiscal year (benefits).</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:130%">The Bank must constitute the different reserves established in the legal provisions applicable to financial institutions, which are determined accordingly to the qualification granted to credits and they are released when the credit rating improves, or when it is settled.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i1085b127fe0a47c2bf645ba3194ae334"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">f) Entities outside the Group which own, directly or through subsidiaries, a stake equal to or greater than 10% of the equity.</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i78818e83bb0a4bb3b87c76593a486211"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">g) Equity instruments admitted to trading.</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:130%">Not applicable.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">409</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-393"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="ibee9cce175694905ad7d67ff5fe1fc02"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">6. Banco Santander Totta, S.A</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ib47a6b73a49047abbe1ffc4921fbb477"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">a) Number of equity instruments held by the Group</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:130%">Banco Santander, S.A. owns 1,383,690,177 shares of Banco Santander Totta, S.A..</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:130%">Banco Santander Totta, S.A. own 6.326.736 treasury shares, all of which have a par value of EUR 1 each and identical voting and dividend rights and are subscribed and paid in full.</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:130%">Banco Santander, S.A. direct participation at Banco Santander Totta, S.A. arise as result of the incorporation by merger of its majority shareholder, Santander Totta, SGPS, S.A. and Taxagest &#8211; Sociedade Gestora de Participa&#231;&#245;es Sociais, S.A.  in Banco Santander Totta, S.A. occurred at February 28, 2025.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ic79d3ab1eb5b482b866f8dc203ad431b"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">b) Capital increases in progress</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:130%">At 31 December 2025, there were no equity increases in progress.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ied340dea29604f03ac852b3e6b9d81ba"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">c) Capital authorised by the shareholders at the general meeting</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i737bf50bb7ed47d595dd2ed3589c5db7"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">d) Rights on founder&#8217;s shares, 'rights' bonds, convertible debentures and similar securities or rights</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ie325798add09426193713dcaeb0bd041"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">e) Specific circumstances that restrict the availability of reserves</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:130%">Under Article 296 of the Portuguese Companies&#8217; Code, the legal and merger reserves can only be used to offset losses or to increase capital.</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:130%">Non-current asset revaluation reserves are regulated by Decree- Law 31/98, under which losses can be offset or capital increased by the amounts for which the underlying asset is depreciated, amortised or sold.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i41fe559df79c45b6804a4d6f7a087634"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">f) Entities outside the Group which own, directly or through subsidiaries, a stake equal to or greater than 10% of the equity.</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i1e27d9e5de0b4c1584cde64f5c8b2ff4"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">g) Equity instruments admitted to trading</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i25a7bff62ace413b9ba2e6c7a2a5d96a"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">7. Santander Consumer Bank AG</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i205ed6825e96490bbdc3a221aea713bb"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">a) Number of financial equity instruments held by the Group </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:130%">At 31 December 2025, through Santander Consumer Holding GmbH, the Group held 30,002 ordinary shares with a par value of EUR 1,000 each, all of which carry the same voting rights.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i74ba099936ee48258fb0547a9a333079"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">b) Capital increases in progress</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="idc27a30602254c1c8c1a366cbdce144f"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">c) Capital authorised by the shareholders at the general meeting</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4ef70e50cb1e4a949c837c59e5565b3e"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">d) Rights on founder&#8217;s shares, 'rights' bonds, convertible debentures and similar securities or rights</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:130%">Not applicable.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i0e26427a43e141999fca3d5db6c310df"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">e) Specific circumstances that restrict the availability of reserves</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i7643f1cbd9434f4ba306c2df467dc6e7"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">f) Entities outside the Group which own, directly or through subsidiaries, a stake equal to or greater than 10% of the equity.</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i60355408bf6b47adbeabb0a2964113ea"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">g) Equity instruments admitted to trading</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ic7424cf4d11049a5ac5e5e16619c2445"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">8. Banco Santander - Chile</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i6e257861cdd84483a0166de387760e40"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">a) Number of equity instruments held by the Group</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:130%">The Group holds a 67.18% ownership interest in its subsidiary in Chile corresponding to 126,593,017,845 ordinary shares of Banco Santander - Chile through its subsidiaries: Santander Chile Holding S.A. with 66,822,519,695 ordinary shares, Teatinos Siglo XXI Inversiones S.A., with 59,770,481,573 ordinary shares and Santander Inversiones S.A. with 16,577 fully subscribed and paid ordinary shares that carry the same voting and dividend rights.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ic468b80201264288a30aa3b3a9c4f9d3"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">b) Capital increases in progress</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:130%">At 31 December 2025, there were no approved capital increases.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i7e818a3f9c744d5f8d13ccb9a2344404"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">c) Capital authorised by the shareholders at the general meeting</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:130%">Share capital at 31 December 2025 amounted to CLP 891,302,881,691.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i10d1b317dfca46ffa25112eb59add8d3"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">d) Rights on founder&#8217;s shares, 'rights' bonds, convertible debentures and similar securities or rights</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i597f0041e39946adb10feb75851e13e1"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">e) Specific circumstances that restrict the availability of reserves</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:130%">Remittances to foreign investors in relation to investments made under the Statute of Foreign Investment (Decree-Law 600/1974) and the amendments thereto require the prior authorisation of the foreign investment promotion agency.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="iddfca6777ca04973b0f39ab3f23529f3"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">f) Entities outside the Group which own, directly or through subsidiaries, a stake equal to or greater than 10% of the equity.</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i19300bf813344d98a035d66deff3e5de"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">g) Equity instruments admitted to trading</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:130%">All the shares are listed on the Chilean stock exchanges and, through American Depositary Receipts (ADRs), on the New York Stock Exchange (NYSE).</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">410</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-394"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="iab4b670240434b32b0e0133dbeb6b946"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">9. Santander Bank Polska S.A. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="if3880a78562f488eb258622914424c16"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">a) Number of financial equity instruments held by the Group</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:130%"> At 31 December, 2025, Banco Santander, S.A. held 59,984,148 ordinary shares with a par value of PLN 10 each, all of which carry the same voting rights.</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:130%">On 13 September 2024, Banco Santander sold 5,320,000 shares held in Santander bank Polska S.A. (ca. 5.2% of the in share capital).</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:130%">On 4 December 2025, Banco Santander sold 3,576,626 shares held in Santander Bank Polska S.A. (ca. 3.5% of the in share capital). </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ie5d4bd4399f040bda1ec1d1189bf7ff5"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">b) Capital increases in progress</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:130%">At 31 December, 2025, there were no equity increases in progress.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ic4616398d442405ead136bce36a4bcca"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">c) Capital authorised by the shareholders at the general meeting</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:130%">There was no share capital increase in 2025.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="icc8b60266064474892226513b46f5a73"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">d) Rights on founder&#8217;s shares, 'rights' bonds, convertible debentures and similar securities or rights</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i2a8853bfa93845d3aec00ffd010e2770"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">e) Specific circumstances that restrict the availability of reserves</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ifad30cb1e7aa4ac4af9cd889c2afb410"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">f) Entities outside the Group which own, directly or through subsidiaries, a stake equal to or greater than 10% of the equity.</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:130%">Not applicable.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i940364514f6d45bdaad0944afc70bd1b"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">g) Equity instruments admitted to trading</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:130%">All the shares of Santander Bank Polska S.A. are listed on the Warsaw Stock Exchange.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">411</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1240"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-395"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:24pt"><span id="i64b9cf295ad34b69918d181da757adc8"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">Appendix VI </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="if2af4313b30e452d932eb962ba5d79ea"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">Annual banking report </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:130%">Grupo Santander&#8217;s total tax contribution (taxes incurred directly and by third parties, generated in the course of business) is around EUR 22.1 billion, including more than EUR 9.5 billion in taxes incurred directly (corporate income tax, non-recoverable value added tax (VAT) and other indirect taxes, employer Social Security contributions, payroll taxes and other taxes and levies).</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:130%">This report complies with Article 89 of Directive 2013/36/EU of the European Parliament and of the Council of 26 June 2013 on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms, and its transposition into Spanish law pursuant to Article 87 of Act 10/2014 of 26 June on the regulation, supervision and capital adequacy of credit institutions.</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:130%"> The criteria used to prepare this report were:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i6cc61a8883a14279a1e0a963be0f3bf1"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">a) Name(s), activities and location</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:130%">Appendices I to III to the consolidated financial statements contain details of the companies operating in each jurisdiction, including their name(s), location and activities.</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:130%">Santander main activity in the jurisdictions where operate is commercial banking. The Group primarily operates in ten markets through subsidiaries that are autonomous in capital and liquidity. This has clear strategic and regulatory advantages, since it limits the risk of contagion between units, imposes a double layer of global and local oversight, and facilitates crisis management and resolution.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i664c51eb025b47249ec3e1d773d13a1c"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">b) Turnover and profit or loss before tax</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:130%">Turnover in this report is Total income, and profit or loss before tax, Operating profit/(loss) before tax, both as defined and presented in the consolidated income statement that forms part of the consolidated financial statements.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i9787fc4c3f2b4fedab29a826ec0ff777"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">c) Number of full-time equivalent employees</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:130%">The data on full-time equivalent employees stem from the average headcount of each jurisdiction.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i0cdcbda27faf488e974b36a00a224ab7"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">d) Tax on profit or loss</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:130%">In the absence of specific criteria, we have included the amount effectively paid (EUR 4,954 million in 2025, with an effective tax rate of 24.0%) in respect of taxes whose effect is recognized under Income tax in the consolidated income statement.</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:130%">Taxes effectively paid by the companies in each jurisdiction include:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Supplementary payments relating to income tax returns, usually for prior years.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Advances, prepayments, withholdings made or borne in respect of tax on profit or loss for the year. We included taxes borne abroad in the jurisdiction of the company that bore them.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Refunds received with respect to prior years&#8217; returns.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Where appropriate, the amount payable from assessments and litigation relating to these taxes.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The foregoing form part of the cash flow statement and differ from the corporate income tax expense recognized in the consolidated income statement (EUR 5,131 million in 2025, representing an effective rate of 24.9%, see note 27). This is because each country&#8217;s tax regulations establish:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">when taxes must be paid. There is often a mismatch between the payment dates and the generation of the income bearing the tax.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">their own calculation criteria to define temporary or permanent restrictions on expense deduction, exemptions and relief or deferrals of certain income, generating the differences between the accounting profit (or loss) and taxable profit (or tax loss) which is ultimately taxed; tax loss carry forwards from prior years, tax credits and/or relief, etc., must also be added. In certain cases, special regimes such as the tax consolidation of companies in the same jurisdiction are established.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="id6bc35e9e74e49fe8d4b008bc1042911"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">e) Public subsidies</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:130%">In the context of the legally-required disclosures, this was interpreted as any aid or subsidy in line with the European Commission&#8217;s Guidance on the notion of State aid. Grupo Santander did not receive significant public subsidies in 2025.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">412</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.899%"><tr><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.804%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.457%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.095%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.930%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.569%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%">&#160;&#160;&#160;&#160;&#160;</span><img src="san-20251231_g69.gif" alt="HomeCabeceraRojo.gif" style="height:15px;margin-bottom:5pt;vertical-align:text-bottom;width:15px" id="i-396"/></div><div><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_46">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">Auditor's repor</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">t</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_808">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">Consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_820">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">Notes to the consolidated financial statement</a><a style="color:#222222;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">s</a></span></div><div style="padding-left:0.57pt"><span style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%"><a style="color:#ffffff;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:400;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_838">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">Appendi</a><a style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">x</a></span></div><div style="padding-left:0.57pt"><span style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%"><a style="color:#ec0000;font-family:'Wingdings',sans-serif;font-size:7pt;font-weight:700;line-height:121%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1201">l</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The breakdown of information is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Jurisdiction</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Turnover (EUR million)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Full-time equivalent employees</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross profit or loss before tax (EUR million)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit or loss (EUR million)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Germany</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,759&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,659&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">257&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Argentina </span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,248&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,964&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">684&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">133&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Australia</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">54&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Austria</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">211&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">296&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Bahamas</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Belgium</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">237&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Brazil</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,687&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,539&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,998&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,204&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Bulgaria</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Canada</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">70&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">322&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Chile </span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,668&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,066&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,222&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">China</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">118&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Colombia</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">156&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,277&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">United Arab Emirates</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">143&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Spain</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,226&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,097&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,625&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">792&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">United States</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,920&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,915&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,794&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">268&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Denmark</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">233&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Finland</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">84&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">160&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">France</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">833&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,020&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">424&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">106&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Greece</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">54&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Hong Kong</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">128&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">244&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Ireland</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Isle of Man</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">78&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Italy</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">776&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,282&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">316&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">86&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Jersey</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Luxembourg</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">744&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">723&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">245&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Mexico</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,139&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,311&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,213&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">558&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Norway</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">250&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">527&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">143&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Netherlands</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">175&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">352&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">114&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Peru</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">373&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,242&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">135&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Poland</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,184&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,021&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,069&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">543&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Portugal </span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,032&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,393&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,430&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">437&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">United Kingdom</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,238&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,617&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,876&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">169&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Romania</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Singapore</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Sweden</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">153&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">332&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Switzerland</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">245&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">459&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Uruguay</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">640&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,512&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">248&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated Group Total</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">62,390</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">200,741</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">20,631</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,954</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="text-indent:18pt"><span><br/></span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">1.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt">Including the information relating to a branch in the Cayman Islands, the profits of which are taxed in full in Brazil. The contribution of this branch profit before tax from continuing operations is EUR 488 million.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">2.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt">Includes the Corporate Centre. </span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">3.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt">Including information associated with the business subject to the Poland disposal reported under a single line in the consolidated income statement &#8212; 'profit/(loss) after tax from discontinued operations&#8217; (see note 52.c).</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="padding-left:7.09pt"><span><br/></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:130%">At 31 December 2025, the Group&#8217;s return on assets (ROA) was&#160;0.84%.</span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">413</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="-sec-extract:summary;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 style="width:6.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.161%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.983%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.605%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.161%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.344%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.161%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.344%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.161%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.796%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:26pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_549755823725">Contents</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9915">Section1. Certain recast financial information</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9923">Section 2. Consolidated recast financial statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"><a style="-sec-extract:exhibit;color:#ec0000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%;text-decoration:none" href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1339">Exhibits</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="-sec-extract:summary;margin-bottom:6pt;margin-top:24pt"><span id="i3cca5a1e20ec4369afe92486f4194f6c"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">Exhibits</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:489.75pt"><tr><td style="width:1.0pt"/><td style="width:67.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:414.25pt"/><td style="width:1.0pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:2pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Exhibit Number</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:3.54pt;padding-right:3.54pt;text-align:center;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Description</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%;text-decoration:underline" href="exhibit2312025.htm">23.1</a></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:100%;text-decoration:underline" href="exhibit2312025.htm">Consent of PricewaterhouseCoopers Auditores, S.L.</a></span></div></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">101.SCH</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Inline XBRL Taxonomy Extension Schema Document</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">101.CAL</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Inline XBRL Taxonomy Extension Calculation Linkbase Document</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">101.LAB</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Inline XBRL Taxonomy Extension Label Linkbase Document</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">101.PRE</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Inline XBRL Taxonomy Extension Presentation Linkbase Document</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">101.DEF</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Inline XBRL Taxonomy Extension Definition Linkbase Document</span></div></td></tr></table></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:130%">We will furnish to the SEC, upon request, copies of any unfiled instruments that define the rights of holders of long-term debt of Santander.</span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="height:45.35pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="-sec-extract:summary;text-align:right"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7.5pt;font-weight:700;line-height:140%">414</span></div></div></div><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_9937"></div><hr style="page-break-after:always"/><div style="min-height:90.71pt;width:100%"><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:46.360%"><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:7.277%;min-width:6.277%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:46.363%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:12pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:130%">SIGNATURE</span></div><div style="margin-bottom:12pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:400;line-height:130%">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.</span></div><div style="margin-bottom:12pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.912%"><tr><td style="width:1.0%"/><td style="width:48.212%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.075%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:42.413%"/><td style="width:0.1%"/></tr><tr style="height:0pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:105%">Banco Santander, S.A.</span></td></tr><tr style="height:39pt"><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:0 1pt"/></tr><tr style="height:39pt"><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:400;line-height:105%">Date:&#160;&#160;&#160;1&#160;April 2026</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:400;line-height:105%">By:</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:400;line-height:105%">/s/ Jos&#233; Garc&#237;a Cantera</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:400;line-height:105%">Name:</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:400;line-height:105%">Jos&#233; Garc&#237;a Cantera</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:400;line-height:105%">Title:</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:400;line-height:105%">Chief Financial Officer</span></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:46.360%"><div 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<title>Document</title></head><body><div id="iff174c3396224335973305808a9efe80_1"></div><div style="min-height:36pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:right"><font style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Exhibit&#160;23.1</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:112%">We hereby consent to the incorporation by reference in the Registration Statements on Form F-4 (No. 333-294235), Form F-3 (No. 333-293987) and on Form S-8 (No.333-293144, No. 333-285208, No. 333-278095, No. 333-269251, No. 333-262484, No. 333-256936, No. 333-238260, No. 333-231568 and No. 333-227289) of Banco Santander, S.A. of our report dated February 27, 2026, except with respect to our opinion on the consolidated financial statements insofar as it relates to the change in reportable segments discussed in Note 52, and the change in the manner in which the company presents certain items in the consolidated income statements discussed in Note 1, as to which the date is April 1, 2026, relating to the financial statements and the effectiveness of internal control over financial reporting, which appears in this Form 6-K. </font></div><div><font><br></font></div><div style="text-align:justify"><font><br></font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:112%">&#47;s&#47; PricewaterhouseCoopers Auditores, S.L.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:112%">Madrid, Spain</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:11pt;font-weight:400;line-height:107%">April 1, 2026</font></div><div><font><br></font></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div></body></html>
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        <link:definition>9952183 - Disclosure - Other financial liabilities</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Provisions" roleURI="http://www.santander.com/role/Provisions">
        <link:definition>9952184 - Disclosure - Provisions</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Otherliabilities" roleURI="http://www.santander.com/role/Otherliabilities">
        <link:definition>9952185 - Disclosure - Other liabilities</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Taxmatters" roleURI="http://www.santander.com/role/Taxmatters">
        <link:definition>9952186 - Disclosure - Tax matters</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Noncontrollinginterests" roleURI="http://www.santander.com/role/Noncontrollinginterests">
        <link:definition>9952187 - Disclosure - Non-controlling interests</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="Othercomprehensiveincome" roleURI="http://www.santander.com/role/Othercomprehensiveincome">
        <link:definition>9952188 - Disclosure - Other comprehensive income</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Shareholdersequity" roleURI="http://www.santander.com/role/Shareholdersequity">
        <link:definition>9952189 - Disclosure - Shareholders' equity</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="Issuedcapital" roleURI="http://www.santander.com/role/Issuedcapital">
        <link:definition>9952190 - Disclosure - Issued capital</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Sharepremium" roleURI="http://www.santander.com/role/Sharepremium">
        <link:definition>9952191 - Disclosure - Share premium</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Accumulatedretainedearnings" roleURI="http://www.santander.com/role/Accumulatedretainedearnings">
        <link:definition>9952192 - Disclosure - Accumulated retained earnings</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="Otherequityinstrumentsandownshares" roleURI="http://www.santander.com/role/Otherequityinstrumentsandownshares">
        <link:definition>9952193 - Disclosure - Other equity instruments and own shares</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="Memorandumitems" roleURI="http://www.santander.com/role/Memorandumitems">
        <link:definition>9952194 - Disclosure - Memorandum items</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="Hedgingderivatives" roleURI="http://www.santander.com/role/Hedgingderivatives">
        <link:definition>9952195 - Disclosure - Hedging derivatives</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Discontinuedoperations" roleURI="http://www.santander.com/role/Discontinuedoperations">
        <link:definition>9952196 - Disclosure - Discontinued operations</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Interestincome" roleURI="http://www.santander.com/role/Interestincome">
        <link:definition>9952197 - Disclosure - Interest income</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="Interestexpense" roleURI="http://www.santander.com/role/Interestexpense">
        <link:definition>9952198 - Disclosure - Interest expense</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Dividendincome" roleURI="http://www.santander.com/role/Dividendincome">
        <link:definition>9952199 - Disclosure - Dividend income</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Commissionincome" roleURI="http://www.santander.com/role/Commissionincome">
        <link:definition>9952200 - Disclosure - Commission income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Commissionexpense" roleURI="http://www.santander.com/role/Commissionexpense">
        <link:definition>9952201 - Disclosure - Commission expense</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Gainsorlossesonfinancialassetsandliabilities" roleURI="http://www.santander.com/role/Gainsorlossesonfinancialassetsandliabilities">
        <link:definition>9952202 - Disclosure - Gains or losses on financial assets and liabilities</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="Exchangedifferencesnet" roleURI="http://www.santander.com/role/Exchangedifferencesnet">
        <link:definition>9952203 - Disclosure - Exchange differences, net</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Otheroperatingincomeandexpenses" roleURI="http://www.santander.com/role/Otheroperatingincomeandexpenses">
        <link:definition>9952204 - Disclosure - Other operating income and expenses</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Staffcosts" roleURI="http://www.santander.com/role/Staffcosts">
        <link:definition>9952205 - Disclosure - Staff costs</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Othergeneraladministrativeexpenses" roleURI="http://www.santander.com/role/Othergeneraladministrativeexpenses">
        <link:definition>9952206 - Disclosure - Other general administrative expenses</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Gainsorlossesonnonfinancialassetsnet" roleURI="http://www.santander.com/role/Gainsorlossesonnonfinancialassetsnet">
        <link:definition>9952207 - Disclosure - Gains or losses on non financial assets, net</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="Gainsorlossesonnoncurrentassetsheldforsalenotclassifiedasdiscontinuedoperations" roleURI="http://www.santander.com/role/Gainsorlossesonnoncurrentassetsheldforsalenotclassifiedasdiscontinuedoperations">
        <link:definition>9952208 - Disclosure - Gains or losses on non-current assets held for sale not classified as discontinued operations</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Fairvalueoffinancialinstruments" roleURI="http://www.santander.com/role/Fairvalueoffinancialinstruments">
        <link:definition>9952209 - Disclosure - Fair value of financial instruments</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Otherdisclosures" roleURI="http://www.santander.com/role/Otherdisclosures">
        <link:definition>9952210 - Disclosure - Other disclosures</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Primaryandsecondarysegmentsreporting" roleURI="http://www.santander.com/role/Primaryandsecondarysegmentsreporting">
        <link:definition>9952211 - Disclosure - Primary and secondary segments reporting</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="Relatedparties" roleURI="http://www.santander.com/role/Relatedparties">
        <link:definition>9952212 - Disclosure - Related parties</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Riskmanagement" roleURI="http://www.santander.com/role/Riskmanagement">
        <link:definition>9952213 - Disclosure - Risk management</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="Additionaldisclosures" roleURI="http://www.santander.com/role/Additionaldisclosures">
        <link:definition>9952214 - Disclosure - Additional disclosures</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="AccountingpoliciesPolicies" roleURI="http://www.santander.com/role/AccountingpoliciesPolicies">
        <link:definition>9955511 - Disclosure - Accounting policies (Policies)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="AccountingpoliciesTables" roleURI="http://www.santander.com/role/AccountingpoliciesTables">
        <link:definition>9955512 - Disclosure - Accounting policies (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="GrupoSantanderTables" roleURI="http://www.santander.com/role/GrupoSantanderTables">
        <link:definition>9955513 - Disclosure - Grupo Santander (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="DistributionofBancoSantandersprofitshareholderremunerationschemeandearningspershareTables" roleURI="http://www.santander.com/role/DistributionofBancoSantandersprofitshareholderremunerationschemeandearningspershareTables">
        <link:definition>9955514 - Disclosure - Distribution of Banco Santander's profit, shareholder remuneration scheme and earnings per share (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="RemunerationandotherbenefitspaidtotheBanksdirectorsandseniormanagersTables" roleURI="http://www.santander.com/role/RemunerationandotherbenefitspaidtotheBanksdirectorsandseniormanagersTables">
        <link:definition>9955515 - Disclosure - Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="LoansandadvancestocentralbanksandcreditinstitutionsTables" roleURI="http://www.santander.com/role/LoansandadvancestocentralbanksandcreditinstitutionsTables">
        <link:definition>9955516 - Disclosure - Loans and advances to central banks and credit institutions (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="DebtsecuritiesTables" roleURI="http://www.santander.com/role/DebtsecuritiesTables">
        <link:definition>9955517 - Disclosure - Debt securities (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="EquityInstrumentsTables" roleURI="http://www.santander.com/role/EquityInstrumentsTables">
        <link:definition>9955518 - Disclosure - Equity Instruments (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="TradingderivativesassetsandliabilitiesandshortpositionsTables" roleURI="http://www.santander.com/role/TradingderivativesassetsandliabilitiesandshortpositionsTables">
        <link:definition>9955519 - Disclosure - Trading derivatives (assets and liabilities) and short positions (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="LoansandadvancestocustomersTables" roleURI="http://www.santander.com/role/LoansandadvancestocustomersTables">
        <link:definition>9955520 - Disclosure - Loans and advances to customers (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="TradingderivativesTables" roleURI="http://www.santander.com/role/TradingderivativesTables">
        <link:definition>9955521 - Disclosure - Trading derivatives (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="NoncurrentassetsheldforsaleandliabilitiesassociatedwithnoncurrentassetsheldforsaleTables" roleURI="http://www.santander.com/role/NoncurrentassetsheldforsaleandliabilitiesassociatedwithnoncurrentassetsheldforsaleTables">
        <link:definition>9955522 - Disclosure - Non-current assets held for sale and liabilities associated with non-current assets held for sale (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="InvestmentsTables" roleURI="http://www.santander.com/role/InvestmentsTables">
        <link:definition>9955523 - Disclosure - Investments (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="InsurancecontractslinkedtopensionsTables" roleURI="http://www.santander.com/role/InsurancecontractslinkedtopensionsTables">
        <link:definition>9955524 - Disclosure - Insurance contracts linked to pensions (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="LiabilitiesunderinsurancecontractsTables" roleURI="http://www.santander.com/role/LiabilitiesunderinsurancecontractsTables">
        <link:definition>9955525 - Disclosure - Liabilities under insurance contracts (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="TangibleassetsTables" roleURI="http://www.santander.com/role/TangibleassetsTables">
        <link:definition>9955526 - Disclosure - Tangible assets (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="IntangibleassetsGoodwillTables" roleURI="http://www.santander.com/role/IntangibleassetsGoodwillTables">
        <link:definition>9955527 - Disclosure - Intangible assets - Goodwill (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType id="IntangibleassetsOtherintangibleassetsTables" roleURI="http://www.santander.com/role/IntangibleassetsOtherintangibleassetsTables">
        <link:definition>9955528 - Disclosure - Intangible assets - Other intangible assets (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="OtherassetsTables" roleURI="http://www.santander.com/role/OtherassetsTables">
        <link:definition>9955529 - Disclosure - Other assets (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="DepositsfromcentralbanksandcreditinstitutionsTables" roleURI="http://www.santander.com/role/DepositsfromcentralbanksandcreditinstitutionsTables">
        <link:definition>9955530 - Disclosure - Deposits from central banks and credit institutions (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="CustomerdepositsTables" roleURI="http://www.santander.com/role/CustomerdepositsTables">
        <link:definition>9955531 - Disclosure - Customer deposits (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="MarketabledebtsecuritiesTables" roleURI="http://www.santander.com/role/MarketabledebtsecuritiesTables">
        <link:definition>9955532 - Disclosure - Marketable debt securities (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="SubordinatedliabilitiesTables" roleURI="http://www.santander.com/role/SubordinatedliabilitiesTables">
        <link:definition>9955533 - Disclosure - Subordinated liabilities (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="OtherfinancialliabilitiesTables" roleURI="http://www.santander.com/role/OtherfinancialliabilitiesTables">
        <link:definition>9955534 - Disclosure - Other financial liabilities (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="ProvisionsTables" roleURI="http://www.santander.com/role/ProvisionsTables">
        <link:definition>9955535 - Disclosure - Provisions (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="OtherliabilitiesTables" roleURI="http://www.santander.com/role/OtherliabilitiesTables">
        <link:definition>9955536 - Disclosure - Other liabilities (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="TaxmattersTables" roleURI="http://www.santander.com/role/TaxmattersTables">
        <link:definition>9955537 - Disclosure - Tax matters (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="NoncontrollinginterestsTables" roleURI="http://www.santander.com/role/NoncontrollinginterestsTables">
        <link:definition>9955538 - Disclosure - Non-controlling interests (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType id="OthercomprehensiveincomeTables" roleURI="http://www.santander.com/role/OthercomprehensiveincomeTables">
        <link:definition>9955539 - Disclosure - Other comprehensive income (Tables)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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  <xs:element id="san_DisclosureOfDetailedInformationOnOffshoreTerritoriesTableTextBlock" abstract="false" name="DisclosureOfDetailedInformationOnOffshoreTerritoriesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="san_DisclosureOfFeeAndCommissionIncomeTableTextBlock" abstract="false" name="DisclosureOfFeeAndCommissionIncomeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfFeeAndCommissionsExpenseTableTextBlock" abstract="false" name="DisclosureOfFeeAndCommissionsExpenseTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfGainsLossesOnFinancialAssetsAndLiabilitiesTableTextBlock" abstract="false" name="DisclosureOfGainsLossesOnFinancialAssetsAndLiabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfExchangeDifferencesNetTableTextBlock" abstract="false" name="DisclosureOfExchangeDifferencesNetTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfFinancialAssetsAtFairValueThroughProfitOrLossTableTextBlock" abstract="false" name="DisclosureOfFinancialAssetsAtFairValueThroughProfitOrLossTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfFinancialLiabilitiesAtFairValueThroughProfitOrLossTableTextBlock" abstract="false" name="DisclosureOfFinancialLiabilitiesAtFairValueThroughProfitOrLossTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfOtherOperatingIncomeExpenseTableTextBlock" abstract="false" name="DisclosureOfOtherOperatingIncomeExpenseTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfDetailedInformationAboutPersonnelExpensesExplanatoryTableTextBlock" abstract="false" name="DisclosureOfDetailedInformationAboutPersonnelExpensesExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfDetailedInformationAboutEmployeeByGenderExplanatoryTableTextBlock" abstract="false" name="DisclosureOfDetailedInformationAboutEmployeeByGenderExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfNumberOfEmployeesWithDisabilitiesTableTextBlock" abstract="false" name="DisclosureOfNumberOfEmployeesWithDisabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfTermsAndConditionsOfDeferredVariableRemunerationPlansTableTextBlock" abstract="false" name="DisclosureOfTermsAndConditionsOfDeferredVariableRemunerationPlansTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfOtherGeneralAndAdministrativeExpenseTableTextBlock" abstract="false" name="DisclosureOfOtherGeneralAndAdministrativeExpenseTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfTechnicalReportsAndOtherTableTextBlock" abstract="false" name="DisclosureOfTechnicalReportsAndOtherTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfNumberOfOfficesTableTextBlock" abstract="false" name="DisclosureOfNumberOfOfficesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_ScheduleOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTableTextBlock" abstract="false" name="ScheduleOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_ScheduleOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTableTextBlock" abstract="false" name="ScheduleOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesTableTextBlock" abstract="false" name="DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfFairValueOfFinancialInstrumentsMeasurementBasedOnInternalModelsTableTextBlock" abstract="false" name="DisclosureOfFairValueOfFinancialInstrumentsMeasurementBasedOnInternalModelsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementsOfAssetsAndLiabilitiesTableTextBlock" abstract="false" name="DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementsOfAssetsAndLiabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfChangesInFairValueOfFinancialAssetsAndLiabilitiesCalculatedUsingInternalModelsTableTextBlock" abstract="false" name="DisclosureOfChangesInFairValueOfFinancialAssetsAndLiabilitiesCalculatedUsingInternalModelsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfFinancialAssetsAndLiabilitiesMaturityPeriodsTableTextBlock" abstract="false" name="DisclosureOfFinancialAssetsAndLiabilitiesMaturityPeriodsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_ScheduleOfUndiscountedContractualMaturitiesOfFinancialLiabilitiesAtAmortizedCostByMaturityTableTextBlock" abstract="false" name="ScheduleOfUndiscountedContractualMaturitiesOfFinancialLiabilitiesAtAmortizedCostByMaturityTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_ScheduleOfMaturitiesOfFinancialAssetsLiabilitiesAndMemorandumItemsRecognisedAtOtherThanAmortisedCostTableTextBlock" abstract="false" name="ScheduleOfMaturitiesOfFinancialAssetsLiabilitiesAndMemorandumItemsRecognisedAtOtherThanAmortisedCostTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfEquivalentEuroValueOfAssetsAndLiabilitiesTableTextBlock" abstract="false" name="DisclosureOfEquivalentEuroValueOfAssetsAndLiabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="san_DisclosureOfReconciliationOfUnderlyingResultsToStatutoryResultsTableTextBlock" abstract="false" name="DisclosureOfReconciliationOfUnderlyingResultsToStatutoryResultsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfCreditQualityTableTextBlock" abstract="false" name="DisclosureOfCreditQualityTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfMacroeconomicScenariosTableTextBlock" abstract="false" name="DisclosureOfMacroeconomicScenariosTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfWeightAssociatedWithMacroeconomicScenariosTableTextBlock" abstract="false" name="DisclosureOfWeightAssociatedWithMacroeconomicScenariosTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="san_DisclosureOfMaximumExposureLimitsBasedOnCreditQualityTableTextBlock" abstract="false" name="DisclosureOfMaximumExposureLimitsBasedOnCreditQualityTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfNatureAndExtentOfRisksByRiskFactorTextBlock" abstract="false" name="DisclosureOfNatureAndExtentOfRisksByRiskFactorTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfHighQualityLiquidAssetsTableTextBlock" abstract="false" name="DisclosureOfHighQualityLiquidAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfLiquidityCoverageRatioByComponentTableTextBlock" abstract="false" name="DisclosureOfLiquidityCoverageRatioByComponentTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTableTextBlock" abstract="false" name="ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="san_DisclosureOfBalanceOfPreferenceSharesAndPreferredSecuritiesTableTextBlock" abstract="false" name="DisclosureOfBalanceOfPreferenceSharesAndPreferredSecuritiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="san_DisclosureOfPreferenceSharesAndPreferredSecuritiesByIssuerTableTextBlock" abstract="false" name="DisclosureOfPreferenceSharesAndPreferredSecuritiesByIssuerTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="san_NumberOfAssociatesJointVenturesOrListedCompaniesOfWhichEntityHoldsMoreThanFivePercentInterest" abstract="false" name="NumberOfAssociatesJointVenturesOrListedCompaniesOfWhichEntityHoldsMoreThanFivePercentInterest" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_RateForWhichGroupHoldingInACompanyIsConsideredSignificantPercent" abstract="false" name="RateForWhichGroupHoldingInACompanyIsConsideredSignificantPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IncreaseDecreaseDueToChangesInPresentationMember" abstract="true" name="IncreaseDecreaseDueToChangesInPresentationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ForeignCurrencyExchangeRateChangePercentage" abstract="false" name="ForeignCurrencyExchangeRateChangePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="san_PositiveImpactOnCommonEquityTierOneCapitalRadio" abstract="false" name="PositiveImpactOnCommonEquityTierOneCapitalRadio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="san_TypeOfAgreementAxis" abstract="true" name="TypeOfAgreementAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
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  <xs:element id="san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member" abstract="true" name="AgreementForTheSaleOfSantanderBankPolskaS.A.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.Member" abstract="true" name="SantanderTowarzystwoFunduszyInwestycyjnychS.A.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.AndSantanderBankPolskaS.A.Member" abstract="true" name="SantanderTowarzystwoFunduszyInwestycyjnychS.A.AndSantanderBankPolskaS.A.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_WebsterFinancialCorporationMember" abstract="true" name="WebsterFinancialCorporationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SaleOfProportionOfOwnershipInterestInSubsidiary" abstract="false" name="SaleOfProportionOfOwnershipInterestInSubsidiary" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_GainsLossesOnDisposalOfSubsidiaries" abstract="false" name="GainsLossesOnDisposalOfSubsidiaries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PortionOfConsiderationPaidReceivedInCashPerShare" abstract="false" name="PortionOfConsiderationPaidReceivedInCashPerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="san_ConsiderationPaidReceivedInSharesPerShare" abstract="false" name="ConsiderationPaidReceivedInSharesPerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
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  <xs:element id="san_ForeignCurrencyTranslationsNumberOfStages" abstract="false" name="ForeignCurrencyTranslationsNumberOfStages" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_InflationRate" abstract="false" name="InflationRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ClosingForeignExchangeRateAppliedHyperinflationaryEconomy" abstract="false" name="ClosingForeignExchangeRateAppliedHyperinflationaryEconomy" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="san_ForeignCurrencyRisksAbstract" abstract="true" name="ForeignCurrencyRisksAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_PercentageOfReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" abstract="false" name="PercentageOfReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" abstract="false" name="DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" abstract="false" name="DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PercentageOfReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" abstract="false" name="PercentageOfReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="san_ProjectQuasarInvestments2017SlMember" abstract="true" name="ProjectQuasarInvestments2017SlMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DefaultRateExpectedIncreasePercentage" abstract="false" name="DefaultRateExpectedIncreasePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ImpactOnCreditRiskProvision" abstract="false" name="ImpactOnCreditRiskProvision" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_MaximumBillingsPercentage" abstract="false" name="MaximumBillingsPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale" abstract="false" name="UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_NonCurrentAssetsClassifiedAsHeldForSalePercentage" abstract="false" name="NonCurrentAssetsClassifiedAsHeldForSalePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_FurnitureMember" abstract="true" name="FurnitureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OfficeAndComputerEquipmentMember" abstract="true" name="OfficeAndComputerEquipmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_UnrecognisedDeferredTaxLiabilitiesTaxationThatWouldAriseFromUndistributedEarnings" abstract="false" name="UnrecognisedDeferredTaxLiabilitiesTaxationThatWouldAriseFromUndistributedEarnings" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_SantanderConsumerS.A.Member" abstract="true" name="SantanderConsumerS.A.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SantanderConsumerBankPolskaMember" abstract="true" name="SantanderConsumerBankPolskaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale" abstract="false" name="ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_SaleOfInterestHeldPricePerShare" abstract="false" name="SaleOfInterestHeldPricePerShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="san_SaleOfOrdinarySharesInSubsidiaryShares" abstract="false" name="SaleOfOrdinarySharesInSubsidiaryShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_SharesSoldPercentageOfShareCapital" abstract="false" name="SharesSoldPercentageOfShareCapital" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_TSBBankingGroupPlcTSBMember" abstract="true" name="TSBBankingGroupPlcTSBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CaceisMember" abstract="true" name="CaceisMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CreditAgricoleS.A.Member" abstract="true" name="CreditAgricoleS.A.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ProportionOfOwnershipInterestInAssociateSold" abstract="false" name="ProportionOfOwnershipInterestInAssociateSold" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" abstract="false" name="GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_BancoSantanderMexicoSAInstitucionDeBancaMultipleGrupoFinancieroSantanderMexicoMember" abstract="true" name="BancoSantanderMexicoSAInstitucionDeBancaMultipleGrupoFinancieroSantanderMexicoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ConsiderationInCashPerAmericanDepositaryShare" abstract="false" name="ConsiderationInCashPerAmericanDepositaryShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="san_ExpectedConsiderationInCashPerAmericanDepositaryShare" abstract="false" name="ExpectedConsiderationInCashPerAmericanDepositaryShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="san_IncreaseThroughBusinessCombinationsReserves" abstract="false" name="IncreaseThroughBusinessCombinationsReserves" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_AttendanceFeesAndCommissionsMember" abstract="true" name="AttendanceFeesAndCommissionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed" abstract="false" name="KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation" abstract="false" name="KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments" abstract="false" name="KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits" abstract="false" name="KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits" abstract="false" name="KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationShortTermAndDeferred" abstract="false" name="KeyManagementPersonnelCompensationShortTermAndDeferred" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationOtherEmployeeBenefits" abstract="false" name="KeyManagementPersonnelCompensationOtherEmployeeBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationEmployeeBenefits" abstract="false" name="KeyManagementPersonnelCompensationEmployeeBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary" abstract="false" name="KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_KeyManagementPersonnelDirectorsCompensationReceivedLifeAndHealthInsuranceContribution" abstract="false" name="KeyManagementPersonnelDirectorsCompensationReceivedLifeAndHealthInsuranceContribution" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_KeyManagementPersonnelDirectorsCompensationReceivedWaivingDeathAndDisabilityPolicy" abstract="false" name="KeyManagementPersonnelDirectorsCompensationReceivedWaivingDeathAndDisabilityPolicy" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_SeniorManagementMember" abstract="true" name="SeniorManagementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits" abstract="false" name="KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits" abstract="false" name="KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs" abstract="false" name="KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationOtherLongTermEmployeeBenefitsConditionsOfContinuedServicePeriod" abstract="false" name="KeyManagementPersonnelCompensationOtherLongTermEmployeeBenefitsConditionsOfContinuedServicePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration" abstract="false" name="KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration" abstract="false" name="KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_SantanderConsumerUSAHoldingsIncMember" abstract="true" name="SantanderConsumerUSAHoldingsIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PagoNxtMember" abstract="true" name="PagoNxtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PagoNxtNominationCommitteeMember" abstract="true" name="PagoNxtNominationCommitteeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SantanderUKPLCAndSantanderUKGroupHoldingsMember" abstract="true" name="SantanderUKPLCAndSantanderUKGroupHoldingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SantanderInsuranceS.L.Member" abstract="true" name="SantanderInsuranceS.L.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SantanderSpainAndBancoSantanderMember" abstract="true" name="SantanderSpainAndBancoSantanderMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_KeyManagementPersonnelDirectorsCompensationReceivedAsStrategicAdviser" abstract="false" name="KeyManagementPersonnelDirectorsCompensationReceivedAsStrategicAdviser" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PeriodForInvestmentInBankSharesFromDateOfTermination" abstract="false" name="PeriodForInvestmentInBankSharesFromDateOfTermination" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_DefinedBenefitObligationPensionableBaseDeathOrDisabilityPercentage" abstract="false" name="DefinedBenefitObligationPensionableBaseDeathOrDisabilityPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DefinedBenefitObligationPensionableBasePercentAverageOfLastThreeVariableRemunerationAmounts" abstract="false" name="DefinedBenefitObligationPensionableBasePercentAverageOfLastThreeVariableRemunerationAmounts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DefinedBenefitObligationPensionableBaseNumberOfVariableRemunerationAmounts" abstract="false" name="DefinedBenefitObligationPensionableBaseNumberOfVariableRemunerationAmounts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld" abstract="false" name="KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_LifeInsuranceMember" abstract="true" name="LifeInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherDirectorsMember" abstract="true" name="OtherDirectorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PaymentOfCivilLiabilityInsurancePremium" abstract="false" name="PaymentOfCivilLiabilityInsurancePremium" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ShareBasedVariableRemunerationAward2022Member" abstract="true" name="ShareBasedVariableRemunerationAward2022Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DirectorsRetiredMember" abstract="true" name="DirectorsRetiredMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentRoTEObjectiveWeight" abstract="false" name="VariableRemunerationDeferredPaymentRoTEObjectiveWeight" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentTSRObjectiveNumberOfPeerCreditInstitutions" abstract="false" name="VariableRemunerationDeferredPaymentTSRObjectiveNumberOfPeerCreditInstitutions" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentTSRObjectiveWeight" abstract="false" name="VariableRemunerationDeferredPaymentTSRObjectiveWeight" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentSustainabilityObjectiveNumberOfMetrics" abstract="false" name="VariableRemunerationDeferredPaymentSustainabilityObjectiveNumberOfMetrics" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight" abstract="false" name="VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentShortTermNumberOfDeferrals" abstract="false" name="VariableRemunerationDeferredPaymentShortTermNumberOfDeferrals" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInCash" abstract="false" name="VariableRemunerationDeferredPaymentShortTermPercentagePaidInCash" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInShares" abstract="false" name="VariableRemunerationDeferredPaymentShortTermPercentagePaidInShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentLongTermNumberOfDeferrals" abstract="false" name="VariableRemunerationDeferredPaymentLongTermNumberOfDeferrals" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInCash" abstract="false" name="VariableRemunerationDeferredPaymentLongTermPercentagePaidInCash" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInShares" abstract="false" name="VariableRemunerationDeferredPaymentLongTermPercentagePaidInShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="san_ShareBasedCompensationArrangementMaximumAuthorizedAmount" abstract="false" name="ShareBasedCompensationArrangementMaximumAuthorizedAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions" abstract="false" name="VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration" abstract="false" name="KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ShareBasedVariableRemunerationAward2019Member" abstract="true" name="ShareBasedVariableRemunerationAward2019Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ShareBasedVariableRemunerationAward2020Member" abstract="true" name="ShareBasedVariableRemunerationAward2020Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ShareBasedVariableRemunerationAward2021Member" abstract="true" name="ShareBasedVariableRemunerationAward2021Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ShareBasedVariableRemunerationAward2023Member" abstract="true" name="ShareBasedVariableRemunerationAward2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ShareBasedVariableRemunerationAward2024Member" abstract="true" name="ShareBasedVariableRemunerationAward2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ShareBasedVariableRemunerationAward2025Member" abstract="true" name="ShareBasedVariableRemunerationAward2025Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BancoSantanderBrasilSAMember" abstract="true" name="BancoSantanderBrasilSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NumberOfSharesEarnedInShareBasedPaymentArrangement" abstract="false" name="NumberOfSharesEarnedInShareBasedPaymentArrangement" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate" abstract="false" name="NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_NumberOfSharesMaturedButNotConsolidatedInShareBasedPaymentArrangement" abstract="false" name="NumberOfSharesMaturedButNotConsolidatedInShareBasedPaymentArrangement" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" abstract="false" name="NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_VariableRemunerationDeferredBonusNumberOfPaymentsSubjectToSpecificObjectives" abstract="false" name="VariableRemunerationDeferredBonusNumberOfPaymentsSubjectToSpecificObjectives" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage" abstract="false" name="VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentRoTEObjectiveResult" abstract="false" name="VariableRemunerationDeferredPaymentRoTEObjectiveResult" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentRelativeTSRMetricAchievementRate" abstract="false" name="VariableRemunerationDeferredPaymentRelativeTSRMetricAchievementRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentSustainabilityMetricAchievementRate" abstract="false" name="VariableRemunerationDeferredPaymentSustainabilityMetricAchievementRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentCET1ObjectiveResult" abstract="false" name="VariableRemunerationDeferredPaymentCET1ObjectiveResult" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentCET1ObjectiveTarget" abstract="false" name="VariableRemunerationDeferredPaymentCET1ObjectiveTarget" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentIndividualObjectivesWeight" abstract="false" name="VariableRemunerationDeferredPaymentIndividualObjectivesWeight" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentBPAGrowthResult" abstract="false" name="VariableRemunerationDeferredPaymentBPAGrowthResult" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentBPAGrowthTarget" abstract="false" name="VariableRemunerationDeferredPaymentBPAGrowthTarget" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentTSRMinimumMetricResult" abstract="false" name="VariableRemunerationDeferredPaymentTSRMinimumMetricResult" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentTSRMinimumMetricTarget" abstract="false" name="VariableRemunerationDeferredPaymentTSRMinimumMetricTarget" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_VariableRemunerationDeferredPaymentTSRMaximumMetricTarget" abstract="false" name="VariableRemunerationDeferredPaymentTSRMaximumMetricTarget" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DirectorRemunerationAbstract" abstract="true" name="DirectorRemunerationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration" abstract="false" name="KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2018Member" abstract="true" name="DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2018Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2019Member" abstract="true" name="DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2019Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2020Member" abstract="true" name="DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2020Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2021Member" abstract="true" name="DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2021Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" abstract="false" name="MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_LongTermIncentivePlanMember" abstract="true" name="LongTermIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DeferredConditionalVariableRemunerationPlanMember" abstract="true" name="DeferredConditionalVariableRemunerationPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationNotLinkedToLongTermObjectivesShares" abstract="false" name="KeyManagementPersonnelCompensationLongTermAndDeferredCompensationNotLinkedToLongTermObjectivesShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_SeniorManagementRetiredMember" abstract="true" name="SeniorManagementRetiredMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_KeyManagementPersonnelCompensationBuyoutsAndSignOnAwards" abstract="false" name="KeyManagementPersonnelCompensationBuyoutsAndSignOnAwards" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RatioOfVariableToFixedPayComponents" abstract="false" name="RatioOfVariableToFixedPayComponents" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DiscretionaryPensionBenefitComponentPercentage" abstract="false" name="DiscretionaryPensionBenefitComponentPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAssetHoldingPeriod" abstract="false" name="PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAssetHoldingPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_LifeAndAccidentInsuranceCoverageLimit" abstract="false" name="LifeAndAccidentInsuranceCoverageLimit" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2022Member" abstract="true" name="DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2022Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2023Member" abstract="true" name="DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2024Member" abstract="true" name="DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FormerDirectorsOfTheBankMember" abstract="true" name="FormerDirectorsOfTheBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FormerExecutiveVicePresidentsMember" abstract="true" name="FormerExecutiveVicePresidentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FormerSeniorManagingDirectorsMember" abstract="true" name="FormerSeniorManagingDirectorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ProvisionsForEmployeeBenefitsAndOthersAxis" abstract="true" name="ProvisionsForEmployeeBenefitsAndOthersAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_ProvisionsForEmployeeBenefitsAndOthersDomain" abstract="true" name="ProvisionsForEmployeeBenefitsAndOthersDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ProvisionForPostEmploymentDefinedBenefitObligationsMember" abstract="true" name="ProvisionForPostEmploymentDefinedBenefitObligationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PostEmploymentBenefitExpenseContributionToInsurancePolicies" abstract="false" name="PostEmploymentBenefitExpenseContributionToInsurancePolicies" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ContractTerminationNoticePeriod" abstract="false" name="ContractTerminationNoticePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember" abstract="true" name="LoansAndAdvancesCentralBanksAndCreditInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_TimeDepositsMember" abstract="true" name="TimeDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ReverseRepurchaseAgreementsMember" abstract="true" name="ReverseRepurchaseAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_ImpairedAssetsFinancialInstrumentTypeMember" abstract="true" name="ImpairedAssetsFinancialInstrumentTypeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ValuationAdjustmentForImpairmentFinancialInstrumentTypeMember" abstract="true" name="ValuationAdjustmentForImpairmentFinancialInstrumentTypeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherCurrenciesMember" abstract="true" name="OtherCurrenciesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SpanishGovernmentDebtSecuritiesMember" abstract="true" name="SpanishGovernmentDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IFRSForeignGovernmentDebtSecuritiesMember" abstract="true" name="IFRSForeignGovernmentDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DebtSecuritiesIssuedByFinancialInstitutionsMember" abstract="true" name="DebtSecuritiesIssuedByFinancialInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherFixedIncomeDebtSecuritiesMember" abstract="true" name="OtherFixedIncomeDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FixedIncomeAssetsMember" abstract="true" name="FixedIncomeAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherEuropeanCountriesMember" abstract="true" name="OtherEuropeanCountriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherAmericanCountriesMember" abstract="true" name="OtherAmericanCountriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_RestOfWorldMember" abstract="true" name="RestOfWorldMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PrivateFixedIncomeDebtSecuritiesMember" abstract="true" name="PrivateFixedIncomeDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_FinancialAssetsPercentage" abstract="false" name="FinancialAssetsPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IFRSStandardPoorsAAARatingMember" abstract="true" name="IFRSStandardPoorsAAARatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IFRSStandardPoorsAARatingMember" abstract="true" name="IFRSStandardPoorsAARatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IFRSStandardPoorsARatingMember" abstract="true" name="IFRSStandardPoorsARatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IFRSStandardPoorsBBBRatingMember" abstract="true" name="IFRSStandardPoorsBBBRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IFRSStandardPoorsBelowBBBRatingMember" abstract="true" name="IFRSStandardPoorsBelowBBBRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_UnratedMember" abstract="true" name="UnratedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SecuritizedMortgageBondsMember" abstract="true" name="SecuritizedMortgageBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherAssetBackBondsMember" abstract="true" name="OtherAssetBackBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IFRSEuropeanUnionMember" abstract="true" name="IFRSEuropeanUnionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IFRSAmericaMember" abstract="true" name="IFRSAmericaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FinancialAssetsSharesOfDomesticCompaniesMember" abstract="true" name="FinancialAssetsSharesOfDomesticCompaniesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FinancialAssetsSharesOfForeignCompaniesMember" abstract="true" name="FinancialAssetsSharesOfForeignCompaniesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet" abstract="false" name="AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax" abstract="false" name="GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherRisksMember" abstract="true" name="OtherRisksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SantanderUSCapitalMarketsLLCMember" abstract="true" name="SantanderUSCapitalMarketsLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FinancialLiabilitiesAttributableToBorrowedSecurities" abstract="false" name="FinancialLiabilitiesAttributableToBorrowedSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_FinancialLiabilitiesAttributableToShortSales" abstract="false" name="FinancialLiabilitiesAttributableToShortSales" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_LoansAndAdvancesToCustomersTable" abstract="true" name="LoansAndAdvancesToCustomersTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="san_LoansAndAdvancesToCustomersLineItems" abstract="true" name="LoansAndAdvancesToCustomersLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_CommercialCreditMember" abstract="true" name="CommercialCreditMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SecuredLoansReceivableMember" abstract="true" name="SecuredLoansReceivableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherTermLoansReceivablesMember" abstract="true" name="OtherTermLoansReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FinanceLeaseLoansMember" abstract="true" name="FinanceLeaseLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ReceivableOnDemandMember" abstract="true" name="ReceivableOnDemandMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CreditCardsReceivablesMember" abstract="true" name="CreditCardsReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_RestOfEuropeMember" abstract="true" name="RestOfEuropeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NoRatingMember" abstract="true" name="NoRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PublicSectorMember" abstract="true" name="PublicSectorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LoansAndReceivablesWithoutConsideringPublicAdministrationMember" abstract="true" name="LoansAndReceivablesWithoutConsideringPublicAdministrationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_BusinessCombinationsCarriedOutMember" abstract="true" name="BusinessCombinationsCarriedOutMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LoansAndAdvancesToCustomersTableLineItems" abstract="true" name="LoansAndAdvancesToCustomersTableLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_CreditExposurePercentage" abstract="false" name="CreditExposurePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ConstructionAndPropertyDevelopmentLoansMember" abstract="true" name="ConstructionAndPropertyDevelopmentLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CivilEngineeringConstructionLoansMember" abstract="true" name="CivilEngineeringConstructionLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CorporateLoansToLargeCompaniesMember" abstract="true" name="CorporateLoansToLargeCompaniesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CorporateLoansToSMEsAndIndividualEntrepreneursMember" abstract="true" name="CorporateLoansToSMEsAndIndividualEntrepreneursMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ResidentialLoansMember" abstract="true" name="ResidentialLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherPurposesLoansMember" abstract="true" name="OtherPurposesLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_Collateral1Axis" abstract="true" name="Collateral1Axis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_Collateral1Domain" abstract="true" name="Collateral1Domain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_OtherThanPropertyCollateralPledgedMember" abstract="true" name="OtherThanPropertyCollateralPledgedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherFinancialInstitutionsMember" abstract="true" name="OtherFinancialInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NonFinancialCorporationsAndIndividualEntrepreneursMember" abstract="true" name="NonFinancialCorporationsAndIndividualEntrepreneursMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_HouseholdsOtherMember" abstract="true" name="HouseholdsOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LoanToValue1Axis" abstract="true" name="LoanToValue1Axis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_LoanToValue1Domain" abstract="true" name="LoanToValue1Domain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LTBLessThanOrEqualTo40PercentMember" abstract="true" name="LTBLessThanOrEqualTo40PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LTV40To60PercentMember" abstract="true" name="LTV40To60PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LTV60To80PercentMember" abstract="true" name="LTV60To80PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IFRSLTV80To100PercentMember" abstract="true" name="IFRSLTV80To100PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LTVMoreThan100PercentMember" abstract="true" name="LTVMoreThan100PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LoansToCustomersNetOfImpairmentLosses" abstract="false" name="LoansToCustomersNetOfImpairmentLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RefinancedAndRestructuredTransactions" abstract="false" name="RefinancedAndRestructuredTransactions" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_AdvancesToCustomers" abstract="false" name="AdvancesToCustomers" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAndFinancialAssetsAtAmortisedCostMember" abstract="true" name="FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAndFinancialAssetsAtAmortisedCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" abstract="false" name="IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" abstract="false" name="IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" abstract="false" name="IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" abstract="false" name="IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" abstract="false" name="IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" abstract="false" name="IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_NetChangesOnFinancialAssets" abstract="false" name="NetChangesOnFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember" abstract="true" name="FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IncreaseDecreaseThroughOtherChangesFinancialAssets" abstract="false" name="IncreaseDecreaseThroughOtherChangesFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets" abstract="false" name="IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_EstimatedCollateralHeldValue" abstract="false" name="EstimatedCollateralHeldValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_LoansBackedByAssetsRatherThanMortgagesMember" abstract="true" name="LoansBackedByAssetsRatherThanMortgagesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_TradingDerivativesMember" abstract="true" name="TradingDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OptionContractAndFuturesContractAndOtherDerivativesMember" abstract="true" name="OptionContractAndFuturesContractAndOtherDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CreditDefaultSwap1Member" abstract="true" name="CreditDefaultSwap1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ForeignCurrencyPurchasesAndSalesMember" abstract="true" name="ForeignCurrencyPurchasesAndSalesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ForeignCurrencyOptionsMember" abstract="true" name="ForeignCurrencyOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SecuritiesAndCommoditiesDerivativesAndOtherMember" abstract="true" name="SecuritiesAndCommoditiesDerivativesAndOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DerivativeFairValue" abstract="false" name="DerivativeFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_AssetsAndLiabilitiesClassifiedAsHeldForSaleTable" abstract="true" name="AssetsAndLiabilitiesClassifiedAsHeldForSaleTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="san_ForeclosedAssetsMember" abstract="true" name="ForeclosedAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherTangibleAssetsMember" abstract="true" name="OtherTangibleAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems" abstract="true" name="AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets" abstract="false" name="ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_SubordinatedIssueUSGovernmentBondTerm" abstract="false" name="SubordinatedIssueUSGovernmentBondTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_SubordinatedIssueUKGovernmentBondTerm" abstract="false" name="SubordinatedIssueUKGovernmentBondTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
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  <xs:element id="san_OtherEquityInstrumentsExpectedCostAllocatedToLoyaltyPrograms" abstract="false" name="OtherEquityInstrumentsExpectedCostAllocatedToLoyaltyPrograms" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_LegalProceedingsAmountOfSharesToBeTransferredByTrustee" abstract="false" name="LegalProceedingsAmountOfSharesToBeTransferredByTrustee" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_PercentageOfPublicNotaryExpensesAndAgencyExpensesToBePaid" abstract="false" name="PercentageOfPublicNotaryExpensesAndAgencyExpensesToBePaid" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentageOfTheRegistryExpensesToBePaid" abstract="false" name="PercentageOfTheRegistryExpensesToBePaid" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NumberOfJudgmentsRendered" abstract="false" name="NumberOfJudgmentsRendered" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_ActuarialAssumptionOfExpectedAnnualRateOfBenefitIncreases" abstract="false" name="ActuarialAssumptionOfExpectedAnnualRateOfBenefitIncreases" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="san_InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights" abstract="false" name="InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="san_OtherSimilarBenefitsPlansMember" abstract="true" name="OtherSimilarBenefitsPlansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DefinedBenefitObligationToCurrentEmployeesAtPresentValue" abstract="false" name="DefinedBenefitObligationToCurrentEmployeesAtPresentValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue" abstract="false" name="DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DefinedBenefitObligationToPreRetireesAtPresentValue" abstract="false" name="DefinedBenefitObligationToPreRetireesAtPresentValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue" abstract="false" name="DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_DefinedBenefitPlansServiceCost" abstract="false" name="DefinedBenefitPlansServiceCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits" abstract="false" name="PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" abstract="false" name="OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" abstract="false" name="OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherReservesNonCurrentAssetsHeldForSaleThatMayBeReclassifiedToProfitOrLossNetOfTax" abstract="false" name="OtherReservesNonCurrentAssetsHeldForSaleThatMayBeReclassifiedToProfitOrLossNetOfTax" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherRegionsMember" abstract="true" name="OtherRegionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EquityInstrumentsDomesticMember" abstract="true" name="EquityInstrumentsDomesticMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EquityInstrumentsInternationalMember" abstract="true" name="EquityInstrumentsInternationalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ListedMember" abstract="true" name="ListedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_UnlistedMember" abstract="true" name="UnlistedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EuropeExcludingSpainMember" abstract="true" name="EuropeExcludingSpainMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LatinAmericaAndRestOfTheWorldMember" abstract="true" name="LatinAmericaAndRestOfTheWorldMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains" abstract="false" name="ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses" abstract="false" name="ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_GrupoSantanderMember" abstract="true" name="GrupoSantanderMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" abstract="false" name="ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ForeignExchangeGainLossGoodwill" abstract="false" name="ForeignExchangeGainLossGoodwill" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ForeignExchangeGainLossResults" abstract="false" name="ForeignExchangeGainLossResults" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ForeignExchangeGainLossNetAssets" abstract="false" name="ForeignExchangeGainLossNetAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ForeignExchangeGainLossTransfers" abstract="false" name="ForeignExchangeGainLossTransfers" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DebtSecuritiesAndLoanAndAdvancesMember" abstract="true" name="DebtSecuritiesAndLoanAndAdvancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DebtInstrumentsIssuedByPublicSectorMember" abstract="true" name="DebtInstrumentsIssuedByPublicSectorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DebtInstrumentsIssuedByPrivateSectorMember" abstract="true" name="DebtInstrumentsIssuedByPrivateSectorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_AmericaAndRestOfTheWorldMember" abstract="true" name="AmericaAndRestOfTheWorldMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" abstract="false" name="ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" abstract="false" name="ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_StateStreetBankMember" abstract="true" name="StateStreetBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ChaseNomineesLtdMember" abstract="true" name="ChaseNomineesLtdMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BankOfNewYorkMellonCorporationMember" abstract="true" name="BankOfNewYorkMellonCorporationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CitibankMember" abstract="true" name="CitibankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BNPParibasMember" abstract="true" name="BNPParibasMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CaceisBankMember" abstract="true" name="CaceisBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_TheNorthernTrustMember" abstract="true" name="TheNorthernTrustMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_A2023ProgramMember" abstract="true" name="A2023ProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_RedemptionOfTreasurySharesShares" abstract="false" name="RedemptionOfTreasurySharesShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_PurchaseOfTreasurySharesNumberOfShares" abstract="false" name="PurchaseOfTreasurySharesNumberOfShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_CrestDepositaryInterestShareEquivalent" abstract="false" name="CrestDepositaryInterestShareEquivalent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_AmericanDepositaryReceiptShareEquivalent" abstract="false" name="AmericanDepositaryReceiptShareEquivalent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold" abstract="false" name="PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentageOfEquityInterestsHeldBySignificantShareholders" abstract="false" name="PercentageOfEquityInterestsHeldBySignificantShareholders" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentageOfEquityInterestsHeldByASingleShareholderResidingInTaxHavenMinimumThreshold" abstract="false" name="PercentageOfEquityInterestsHeldByASingleShareholderResidingInTaxHavenMinimumThreshold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies" abstract="false" name="NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital" abstract="false" name="SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NumberOfSharesOwnedByThirdPartiesReceivedAsSecurity" abstract="false" name="NumberOfSharesOwnedByThirdPartiesReceivedAsSecurity" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_SharesOwnedByThirdPartiesReceivedAsSecurityAsPercentageOfTotalShareCapital" abstract="false" name="SharesOwnedByThirdPartiesReceivedAsSecurityAsPercentageOfTotalShareCapital" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IncreaseDecreaseInNetIssuePremium" abstract="false" name="IncreaseDecreaseInNetIssuePremium" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RedemptionOfTreasurySharesPurchaseValue" abstract="false" name="RedemptionOfTreasurySharesPurchaseValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RedemptionOfTreasurySharesParValue" abstract="false" name="RedemptionOfTreasurySharesParValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RestrictedReserves" abstract="false" name="RestrictedReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RetiredCapitalReserve" abstract="false" name="RetiredCapitalReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_UnrestrictedReserves" abstract="false" name="UnrestrictedReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_VoluntaryReserve" abstract="false" name="VoluntaryReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ConsolidationReserve" abstract="false" name="ConsolidationReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ReservesOfSubsidiaries" abstract="false" name="ReservesOfSubsidiaries" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ReserveForEquityMethodInvestments" abstract="false" name="ReserveForEquityMethodInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RetainedEarningsAndOtherReserves" abstract="false" name="RetainedEarningsAndOtherReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve" abstract="false" name="PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentageOfAnnualNetProfitRequiredToBeTransferredToLegalReserve" abstract="false" name="PercentageOfAnnualNetProfitRequiredToBeTransferredToLegalReserve" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_MinimumPercentageOfIncreasedShareCapitalRequiredToBeMaintainedInLegalReserve" abstract="false" name="MinimumPercentageOfIncreasedShareCapitalRequiredToBeMaintainedInLegalReserve" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_SantanderConsumerFinanceGroupMember" abstract="true" name="SantanderConsumerFinanceGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BancoSantanderArgentinaSAMember" abstract="true" name="BancoSantanderArgentinaSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SantanderInvestmentSAMember" abstract="true" name="SantanderInvestmentSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BancoSantanderInternationalSAMember" abstract="true" name="BancoSantanderInternationalSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherCompaniesExchangeDifferencesAndConsolidationAdjustmentsMember" abstract="true" name="OtherCompaniesExchangeDifferencesAndConsolidationAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ReservesOfSubsidiariesRestricted" abstract="false" name="ReservesOfSubsidiariesRestricted" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DisclosureOfOtherEquityInstrumentsAndOwnSharesTable" abstract="true" name="DisclosureOfOtherEquityInstrumentsAndOwnSharesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="san_A2023ProgramSecondMember" abstract="true" name="A2023ProgramSecondMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_A2024ProgramMember" abstract="true" name="A2024ProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_A2025ProgramMember" abstract="true" name="A2025ProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems" abstract="true" name="DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_NominalValueOfEquityComponentOfConvertibleInstruments" abstract="false" name="NominalValueOfEquityComponentOfConvertibleInstruments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital" abstract="false" name="TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_WeightedAverageSharePurchasePrice" abstract="false" name="WeightedAverageSharePurchasePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="san_TreasurySharesNumberOfSharesAmortized" abstract="false" name="TreasurySharesNumberOfSharesAmortized" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_TreasurySharesNumberOfSharesTransferred" abstract="false" name="TreasurySharesNumberOfSharesTransferred" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_WeightedAverageShareSellingPrice" abstract="false" name="WeightedAverageShareSellingPrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="san_TreasurySharesNumberOfSharesTransferredThroughDonations" abstract="false" name="TreasurySharesNumberOfSharesTransferredThroughDonations" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="san_NetPurchaseSaleOfTreasuryShares" abstract="false" name="NetPurchaseSaleOfTreasuryShares" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_BankSuretiesGrantedMember" abstract="true" name="BankSuretiesGrantedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SoldCreditDerivativesMember" abstract="true" name="SoldCreditDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherGrantedGuaranteesMember" abstract="true" name="OtherGrantedGuaranteesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherContingentCommitmentsMember" abstract="true" name="OtherContingentCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NonManagedMarketedFunds" abstract="false" name="NonManagedMarketedFunds" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody" abstract="false" name="ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PensionFundsMember" abstract="true" name="PensionFundsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_AssetsUnderManagementMember" abstract="true" name="AssetsUnderManagementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" abstract="false" name="OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_InterestRateAndExchangeRateRiskMember" abstract="true" name="InterestRateAndExchangeRateRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BaseRiskMember" abstract="true" name="BaseRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_InflationRiskMember" abstract="true" name="InflationRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_MarketValueOfEquityMember" abstract="true" name="MarketValueOfEquityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CapsFloorsMember" abstract="true" name="CapsFloorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ForeignExchangeForwardContractMember" abstract="true" name="ForeignExchangeForwardContractMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ForeignExchangeSwapMember" abstract="true" name="ForeignExchangeSwapMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_InflationSwapContractMember" abstract="true" name="InflationSwapContractMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EquitySwapContractMember" abstract="true" name="EquitySwapContractMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BasisRiskMember" abstract="true" name="BasisRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_AustraliaDollarAndEuroMember" abstract="true" name="AustraliaDollarAndEuroMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CzechRepublicKorunyAndEuroMember" abstract="true" name="CzechRepublicKorunyAndEuroMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_RomaniaNewLeiAndEuroMember" abstract="true" name="RomaniaNewLeiAndEuroMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_HongKongDollarsAndEuroMember" abstract="true" name="HongKongDollarsAndEuroMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_JapanYenAndEuroMember" abstract="true" name="JapanYenAndEuroMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NorwayKroneAndEuroMember" abstract="true" name="NorwayKroneAndEuroMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SwitzerlandFrancsAndEuroMember" abstract="true" name="SwitzerlandFrancsAndEuroMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EuroAndPoundSterlingMember" abstract="true" name="EuroAndPoundSterlingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NewZealandDollarAndEuroMember" abstract="true" name="NewZealandDollarAndEuroMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_UnitedStatesDollarAndMexicanPesoMember" abstract="true" name="UnitedStatesDollarAndMexicanPesoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_UnitedStatesDollarAndColombiaPesoMember" abstract="true" name="UnitedStatesDollarAndColombiaPesoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_EuroAndAustralianDollarMember" abstract="true" name="EuroAndAustralianDollarMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTradingRepurchaseAgreementAmount" abstract="false" name="FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTradingRepurchaseAgreementAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_DeferredConditionalVariableRemunerationPlanFourthAndFifthCycles2014And2015Member" abstract="true" name="DeferredConditionalVariableRemunerationPlanFourthAndFifthCycles2014And2015Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member" abstract="true" name="DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_ExecutiveDirectorsAndMembersOfIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember" abstract="true" name="ExecutiveDirectorsAndMembersOfIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DivisionManagersCountryHeadsOtherExecutivesAndIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember" abstract="true" name="DivisionManagersCountryHeadsOtherExecutivesAndIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_DigitalTransformationAward2023Member" abstract="true" name="DigitalTransformationAward2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_DeferredVariableRemunerationMaximumTotalAmountOfIncentive" abstract="false" name="DeferredVariableRemunerationMaximumTotalAmountOfIncentive" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalMerchantServicesPlatform" abstract="false" name="DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalMerchantServicesPlatform" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalTradeServicesPlatform" abstract="false" name="DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalTradeServicesPlatform" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
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  <xs:element id="san_DeferredVariableRemunerationMilestoneNumberOfPriorityUseCasesWithMachineLearningDeployment" abstract="false" name="DeferredVariableRemunerationMilestoneNumberOfPriorityUseCasesWithMachineLearningDeployment" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_DeferredVariableRemunerationMilestoneNumberOfSalesProgramsWithConversionRateOptimizationRollOut" abstract="false" name="DeferredVariableRemunerationMilestoneNumberOfSalesProgramsWithConversionRateOptimizationRollOut" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
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  <xs:element id="san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCountriesWithSuperdigitalImplemented" abstract="false" name="DeferredVariableRemunerationMilestonePagoNxtNumberOfCountriesWithSuperdigitalImplemented" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
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  <xs:element id="san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCustomersAcquiredPercentage" abstract="false" name="DeferredVariableRemunerationMilestonePagoNxtNumberOfCustomersAcquiredPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="san_TechnologySystemsExpense" abstract="false" name="TechnologySystemsExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_TechnicalReportsExpense" abstract="false" name="TechnicalReportsExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_NumberOfOffices" abstract="false" name="NumberOfOffices" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" abstract="false" name="GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_DisclosureOfGainsLossesOnAssetsHeldForSaleLineItems" abstract="true" name="DisclosureOfGainsLossesOnAssetsHeldForSaleLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="san_GainsLossesRecognisedInProfitOrLossFairValueMeasurement" abstract="false" name="GainsLossesRecognisedInProfitOrLossFairValueMeasurement" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_DerivativesDesignatedAsHedgingInstrumentsCategoryMember" abstract="true" name="DerivativesDesignatedAsHedgingInstrumentsCategoryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_ForwardsOnInterestRateAndVariableIncomeMember" abstract="true" name="ForwardsOnInterestRateAndVariableIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_DebtAndEquityInstrumentsMember" abstract="true" name="DebtAndEquityInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_GovernmentDebtMember" abstract="true" name="GovernmentDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_MortgageLettersDebtSecuritiesMember" abstract="true" name="MortgageLettersDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EQOptionsMember" abstract="true" name="EQOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_InflationDerivativesMember" abstract="true" name="InflationDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_MortgagePortfolioMember" abstract="true" name="MortgagePortfolioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_RealEstateOperationsInSpainSegmentMember" abstract="true" name="RealEstateOperationsInSpainSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ForeclosedPropertiesMember" abstract="true" name="ForeclosedPropertiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ForeclosedEquityInstrumentsMember" abstract="true" name="ForeclosedEquityInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LargeExposureCustomersMember" abstract="true" name="LargeExposureCustomersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LargeExposureCustomersTopFortyMember" abstract="true" name="LargeExposureCustomersTopFortyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ForborneLoanPortfolioMember" abstract="true" name="ForborneLoanPortfolioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NumberOfCreditRiskCategories" abstract="false" name="NumberOfCreditRiskCategories" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_PercentageOfTotalProvisions" abstract="false" name="PercentageOfTotalProvisions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_MaximumExposureToCreditRiskOtherFinancialInstruments" abstract="false" name="MaximumExposureToCreditRiskOtherFinancialInstruments" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PercentageOfTotalPortfolioAtRisk" abstract="false" name="PercentageOfTotalPortfolioAtRisk" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NonPerformingRatio" abstract="false" name="NonPerformingRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DecreaseInNonPerformingLoansRatio" abstract="false" name="DecreaseInNonPerformingLoansRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_InterestOnlyLoansMortgagePortfolioPercentage" abstract="false" name="InterestOnlyLoansMortgagePortfolioPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_LoanToValueRatio" abstract="false" name="LoanToValueRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_FlexibleLoansMortgagePortfolioPercentage" abstract="false" name="FlexibleLoansMortgagePortfolioPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_BuyToLetMortgagesMortgagePortfolioPercentage" abstract="false" name="BuyToLetMortgagesMortgagePortfolioPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent" abstract="false" name="PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NumberOfProspectiveMacroeconomicScenarios" abstract="false" name="NumberOfProspectiveMacroeconomicScenarios" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_ProbabilityOfDefaultPercentageIncreaseFromInitialRecognition" abstract="false" name="ProbabilityOfDefaultPercentageIncreaseFromInitialRecognition" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DeterminationOfStage2ClassificationThreshold" abstract="false" name="DeterminationOfStage2ClassificationThreshold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk" abstract="false" name="MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_NonPerformingCoverageRatio" abstract="false" name="NonPerformingCoverageRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IncreaseDecreaseInNonPerformingCoverageRatioPercent" abstract="false" name="IncreaseDecreaseInNonPerformingCoverageRatioPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_CostOfRiskPercent" abstract="false" name="CostOfRiskPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentageOfDecreaseInCostOfCredit" abstract="false" name="PercentageOfDecreaseInCostOfCredit" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_LoansPercentageSecuredByMortgage" abstract="false" name="LoansPercentageSecuredByMortgage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IncreaseDecreaseInResidentialMortgageCreditRiskPercentage" abstract="false" name="IncreaseDecreaseInResidentialMortgageCreditRiskPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DebtToIncomeRatio" abstract="false" name="DebtToIncomeRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IncreaseDecreaseInPortfolioOfSME" abstract="false" name="IncreaseDecreaseInPortfolioOfSME" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ICOLoanGrantedAsResultOfThePandemic" abstract="false" name="ICOLoanGrantedAsResultOfThePandemic" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ICOLoanPandemic" abstract="false" name="ICOLoanPandemic" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ICOLoansPercentageOfTotalPortfolio" abstract="false" name="ICOLoansPercentageOfTotalPortfolio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DecreaseInNonPerformingRatioPercent" abstract="false" name="DecreaseInNonPerformingRatioPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IncreaseInNonPerformingLoansRatio" abstract="false" name="IncreaseInNonPerformingLoansRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentageOfIncreaseDecreaseInCostOfCredit" abstract="false" name="PercentageOfIncreaseDecreaseInCostOfCredit" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ExposureToCreditRiskLendingGuaranteesAndDocumentaryCredits" abstract="false" name="ExposureToCreditRiskLendingGuaranteesAndDocumentaryCredits" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_LendingCreditRiskPercentageOfGroup" abstract="false" name="LendingCreditRiskPercentageOfGroup" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IncreaseDecreaseInLendingPercentage" abstract="false" name="IncreaseDecreaseInLendingPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NumberOfBusinessLinesCommercialSegment" abstract="false" name="NumberOfBusinessLinesCommercialSegment" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_IncreaseInNonPerformingRatioPercent" abstract="false" name="IncreaseInNonPerformingRatioPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ExposureToCreditRiskNumberOfTranches" abstract="false" name="ExposureToCreditRiskNumberOfTranches" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_EvolutionProjectionPeriod" abstract="false" name="EvolutionProjectionPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_IncreaseDecreaseInCreditRiskWithCustomersPercent" abstract="false" name="IncreaseDecreaseInCreditRiskWithCustomersPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentageIncreaseInCreditRiskExcludingExchangeRate" abstract="false" name="PercentageIncreaseInCreditRiskExcludingExchangeRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NonPerformingLoansRatio" abstract="false" name="NonPerformingLoansRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NetLoanLossProvision" abstract="false" name="NetLoanLossProvision" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IncreaseDecreaseInProvisionForLoanLoss" abstract="false" name="IncreaseDecreaseInProvisionForLoanLoss" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_LargeExposurePercentageOfEligibleCapitalThreshold" abstract="false" name="LargeExposurePercentageOfEligibleCapitalThreshold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_LargeExposureMaximumPercentageOfEligibleCapital" abstract="false" name="LargeExposureMaximumPercentageOfEligibleCapital" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NumberOfGroups" abstract="false" name="NumberOfGroups" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_PercentageOfTotalSovereignRisk" abstract="false" name="PercentageOfTotalSovereignRisk" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ForborneLoanPortfolioAmount" abstract="false" name="ForborneLoanPortfolioAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_LoansAndReceivablesPercentageCoveredBySpecificAllowances" abstract="false" name="LoansAndReceivablesPercentageCoveredBySpecificAllowances" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ForborneLoansPerformingCriteriaNumberOfDaysPastDue" abstract="false" name="ForborneLoansPerformingCriteriaNumberOfDaysPastDue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_LoansAndAdvancesToCustomersSecuredPercentage" abstract="false" name="LoansAndAdvancesToCustomersSecuredPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_CreditQualityAxis" abstract="true" name="CreditQualityAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_CreditQualityDomain" abstract="true" name="CreditQualityDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FromAAAToAAMember" abstract="true" name="FromAAAToAAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FromAToBBMember" abstract="true" name="FromAToBBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FromBBToBMember" abstract="true" name="FromBBToBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CCCAndBelowMember" abstract="true" name="CCCAndBelowMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LoansAndAdvancesCustomersIncludingProvisionsForUndrawnAuthorizedMember" abstract="true" name="LoansAndAdvancesCustomersIncludingProvisionsForUndrawnAuthorizedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PessimisticScenarioMember" abstract="true" name="PessimisticScenarioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PessimisticScenarioThreeMember" abstract="true" name="PessimisticScenarioThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PessimisticScenarioTwoMember" abstract="true" name="PessimisticScenarioTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PessimisticScenarioOneMember" abstract="true" name="PessimisticScenarioOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BaseScenarioMember" abstract="true" name="BaseScenarioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OptimisticScenarioMember" abstract="true" name="OptimisticScenarioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EstimationOfExpectedLossesInterestRate" abstract="false" name="EstimationOfExpectedLossesInterestRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_EstimationOfExpectedLossesUnemploymentRate" abstract="false" name="EstimationOfExpectedLossesUnemploymentRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_EstimationOfExpectedLossesHousingPriceChangeRate" abstract="false" name="EstimationOfExpectedLossesHousingPriceChangeRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_EstimationOfExpectedLossesGDPGrowthRate" abstract="false" name="EstimationOfExpectedLossesGDPGrowthRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_EstimationOfExpectedLossesManheimGrowthRate" abstract="false" name="EstimationOfExpectedLossesManheimGrowthRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_EstimationOfExpectedLossesManheimIndex" abstract="false" name="EstimationOfExpectedLossesManheimIndex" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_EstimationOfExpectedLossesBurdenIncomeRate" abstract="false" name="EstimationOfExpectedLossesBurdenIncomeRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_OptimisticScenarioOneMember" abstract="true" name="OptimisticScenarioOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" abstract="false" name="PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_LoansToSmallAndMediumSizedEnterprisesMember" abstract="true" name="LoansToSmallAndMediumSizedEnterprisesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_AutoMember" abstract="true" name="AutoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LoansToOtherEntitiesMember" abstract="true" name="LoansToOtherEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SCAutoMember" abstract="true" name="SCAutoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" abstract="false" name="PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" abstract="false" name="PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate" abstract="false" name="PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate" abstract="false" name="PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" abstract="false" name="PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" abstract="false" name="PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex" abstract="false" name="PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex" abstract="false" name="PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate" abstract="false" name="PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate" abstract="false" name="PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DecreaseThroughForeclosure" abstract="false" name="DecreaseThroughForeclosure" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DecreaseThroughWriteoffFinancialAsset" abstract="false" name="DecreaseThroughWriteoffFinancialAsset" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PrivateSectorMember" abstract="true" name="PrivateSectorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ResidentialPropertyCollateralMember" abstract="true" name="ResidentialPropertyCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NonResidentialPropertyCollateralMember" abstract="true" name="NonResidentialPropertyCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DevelopedLandCollateralMember" abstract="true" name="DevelopedLandCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_UndevelopedLandCollateralMember" abstract="true" name="UndevelopedLandCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_AccumulatedImpairmentSinceInitialImpairmentMember" abstract="true" name="AccumulatedImpairmentSinceInitialImpairmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CompletedBuildingsMember" abstract="true" name="CompletedBuildingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_BuildingsAndOtherConstructionsUnderConstructionMember" abstract="true" name="BuildingsAndOtherConstructionsUnderConstructionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LandLoansMember" abstract="true" name="LandLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherLoansMember" abstract="true" name="OtherLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_DevelopedConsolidatedLandMember" abstract="true" name="DevelopedConsolidatedLandMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LandLoansOtherMember" abstract="true" name="LandLoansOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ForeclosedPropertiesAbstract" abstract="true" name="ForeclosedPropertiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_DecreaseThroughDisposalsFinancialAssets" abstract="false" name="DecreaseThroughDisposalsFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_CentralGovernmentMember" abstract="true" name="CentralGovernmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherCentralGovernmentMember" abstract="true" name="OtherCentralGovernmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_InternallyAdaptedCreditGradesAxis" abstract="true" name="InternallyAdaptedCreditGradesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_InternallyAdaptedCreditGradesDomain" abstract="true" name="InternallyAdaptedCreditGradesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_LessThanBBBRatingMember" abstract="true" name="LessThanBBBRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_SovereignRiskMember" abstract="true" name="SovereignRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_MaximumExposureLimitPercentage" abstract="false" name="MaximumExposureLimitPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_RestOfEurozoneMember" abstract="true" name="RestOfEurozoneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FinancialAssetsHeldForTradingAndFinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember" abstract="true" name="FinancialAssetsHeldForTradingAndFinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember" abstract="true" name="NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CreditEntitiesMember" abstract="true" name="CreditEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherWarehousesMember" abstract="true" name="OtherWarehousesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_RealEstateGuaranteeMember" abstract="true" name="RealEstateGuaranteeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_RestOfRealGuaranteesMember" abstract="true" name="RestOfRealGuaranteesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FinancingReceivablesModificationsNumberOfContracts" abstract="false" name="FinancingReceivablesModificationsNumberOfContracts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" abstract="false" name="LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_SensitivityAnalysisVariableAxis" abstract="true" name="SensitivityAnalysisVariableAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_SensitivityAnalysisVariableDomain" abstract="true" name="SensitivityAnalysisVariableDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_NIIRiskConcentrationMember" abstract="true" name="NIIRiskConcentrationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EVERiskConcentrationMember" abstract="true" name="EVERiskConcentrationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_TypesOfAssetsAxis" abstract="true" name="TypesOfAssetsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="san_TypesOfAssetsDomain" abstract="true" name="TypesOfAssetsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OnBalanceSheetAssetsMember" abstract="true" name="OnBalanceSheetAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OffBalanceSheetAssetsMember" abstract="true" name="OffBalanceSheetAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_RiskManagementVaRCalculationTimeFrame" abstract="false" name="RiskManagementVaRCalculationTimeFrame" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_IncreaseDecreaseComparedToLastYearInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" abstract="false" name="IncreaseDecreaseComparedToLastYearInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ValueAtRiskConfidenceLevelPercentage" abstract="false" name="ValueAtRiskConfidenceLevelPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ValueAtEarningsConfidenceLevelPercentage" abstract="false" name="ValueAtEarningsConfidenceLevelPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" abstract="false" name="IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PercentOfCoreCapitalRatioCoveredAgainstRisk" abstract="false" name="PercentOfCoreCapitalRatioCoveredAgainstRisk" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation" abstract="false" name="ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_TransactionalDepositsPercentage" abstract="false" name="TransactionalDepositsPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_DepositInsuredWithDepositGuaranteeSystemsRetailDepositsPercentage" abstract="false" name="DepositInsuredWithDepositGuaranteeSystemsRetailDepositsPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_LiquidityRiskNumberOfStandardScenariosDefined" abstract="false" name="LiquidityRiskNumberOfStandardScenariosDefined" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal" abstract="false" name="AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_CollateralAssetsNumberOfCategories" abstract="false" name="CollateralAssetsNumberOfCategories" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue" abstract="false" name="AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue" abstract="false" name="AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_TotalEncumberedAssetsCarryingValue" abstract="false" name="TotalEncumberedAssetsCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_MarketRiskEvaluatedUsingValueAtRiskMetricMember" abstract="true" name="MarketRiskEvaluatedUsingValueAtRiskMetricMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_OtherMarketRiskMember" abstract="true" name="OtherMarketRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_InterestRateAndCreditSpreadRiskMember" abstract="true" name="InterestRateAndCreditSpreadRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CurrencyAndInterestRateRiskMember" abstract="true" name="CurrencyAndInterestRateRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CreditSpreadRiskMember" abstract="true" name="CreditSpreadRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_ExpectedShortfallConfidenceLevelPercentage" abstract="false" name="ExpectedShortfallConfidenceLevelPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_TimeHorizonValueAtRiskAndExpectedShortfallConfidenceLevelPeriod" abstract="false" name="TimeHorizonValueAtRiskAndExpectedShortfallConfidenceLevelPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="san_ExpectedShortfall" abstract="false" name="ExpectedShortfall" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_BankingBookMember" abstract="true" name="BankingBookMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_StructuralRisksMember" abstract="true" name="StructuralRisksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_MarketableAssetsLevel1Member" abstract="true" name="MarketableAssetsLevel1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_MarketableAssetsLevel2AMember" abstract="true" name="MarketableAssetsLevel2AMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_MarketableAssetsLevel2BMember" abstract="true" name="MarketableAssetsLevel2BMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_HighQualityLiquidAssets" abstract="false" name="HighQualityLiquidAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_HighQualityLiquidAssetsAdjusted" abstract="false" name="HighQualityLiquidAssetsAdjusted" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_HighQualityLiquidAssetsCashOutflowInflow" abstract="false" name="HighQualityLiquidAssetsCashOutflowInflow" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_HighQualityLiquidAssetsCashOutflow" abstract="false" name="HighQualityLiquidAssetsCashOutflow" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_HighQualityLiquidAssetsCashInflow" abstract="false" name="HighQualityLiquidAssetsCashInflow" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ConsolidatedLiquidityCoverageRatio" abstract="false" name="ConsolidatedLiquidityCoverageRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_GroupLiquidityCoverageRatio" abstract="false" name="GroupLiquidityCoverageRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NetStableFundingRatio" abstract="false" name="NetStableFundingRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_UnmaturedMember" abstract="true" name="UnmaturedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities" abstract="false" name="CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IFRSAssetsFairValueDisclosure" abstract="false" name="IFRSAssetsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherCollateralAssetsMember" abstract="true" name="OtherCollateralAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_EntityOwnEquityInstrumentsOtherThanCoveredBondsAndAssetBackedSecuritiesMember" abstract="true" name="EntityOwnEquityInstrumentsOtherThanCoveredBondsAndAssetBackedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" abstract="false" name="FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" abstract="false" name="FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" abstract="true" name="DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" abstract="true" name="DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="san_CommonEquityTierOneCapitalRatio1" abstract="false" name="CommonEquityTierOneCapitalRatio1" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_CommonEquityPillarOneCapitalRatio" abstract="false" name="CommonEquityPillarOneCapitalRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_CommonEquityPillarTwoCapitalRatio" abstract="false" name="CommonEquityPillarTwoCapitalRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_CommonEquityCapitalConservationBufferPercentage" abstract="false" name="CommonEquityCapitalConservationBufferPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_CommonEquityTierOneCapitalRatioGlobalSystemicallyImportantEntity" abstract="false" name="CommonEquityTierOneCapitalRatioGlobalSystemicallyImportantEntity" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_CommonEquityTierOneCapitalCountercyclicalBufferPercentage" abstract="false" name="CommonEquityTierOneCapitalCountercyclicalBufferPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_CommonEquityTierOneCapitalSystematicRiskRequirement" abstract="false" name="CommonEquityTierOneCapitalSystematicRiskRequirement" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets" abstract="false" name="IFRSTierOneRiskBasedCapitalToRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IFRSCapitalToRiskWeightedAssets" abstract="false" name="IFRSCapitalToRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NumberOfBanksDesignatedAsGlobalSystemicallyImportantBanks" abstract="false" name="NumberOfBanksDesignatedAsGlobalSystemicallyImportantBanks" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_GlobalSystemicallyImportantBankDesignationNumberOfCriteria" abstract="false" name="GlobalSystemicallyImportantBankDesignationNumberOfCriteria" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_GlobalSystemicallyImportantBanksCapitalBufferPercentage" abstract="false" name="GlobalSystemicallyImportantBanksCapitalBufferPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_NumberOfCapitalBuffer" abstract="false" name="NumberOfCapitalBuffer" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="san_DomesticSystemicallyImportantEntitiesCapitalBufferPercentage" abstract="false" name="DomesticSystemicallyImportantEntitiesCapitalBufferPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_EquityAttributableToOwnersOfParentBeforeValuationAdjustments" abstract="false" name="EquityAttributableToOwnersOfParentBeforeValuationAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherReservesValuationAdjustments" abstract="false" name="OtherReservesValuationAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill" abstract="false" name="RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities" abstract="false" name="SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RegulatoryCapitalAdjustmentAccruedDividend" abstract="false" name="RegulatoryCapitalAdjustmentAccruedDividend" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RegulatoryCapitalOtherAdjustments" abstract="false" name="RegulatoryCapitalOtherAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IfrsCommonEquityTierOneCapital" abstract="false" name="IfrsCommonEquityTierOneCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_RegulatoryCapitalAdjustmentAccruedDividendOrdinaryProfitAssumptionPercentage" abstract="false" name="RegulatoryCapitalAdjustmentAccruedDividendOrdinaryProfitAssumptionPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_CommonEquityTierOneCapitalRequiredForCapitalAdequacy1" abstract="false" name="CommonEquityTierOneCapitalRequiredForCapitalAdequacy1" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_TierOneCapitalInExcessOfCommonEquityTierOneCapital" abstract="false" name="TierOneCapitalInExcessOfCommonEquityTierOneCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IfrsTierTwoRiskBasedCapital" abstract="false" name="IfrsTierTwoRiskBasedCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IfrsRiskWeightedAssets" abstract="false" name="IfrsRiskWeightedAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets" abstract="false" name="TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets" abstract="false" name="IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="san_TreasurySharesHeldAndFinanced" abstract="false" name="TreasurySharesHeldAndFinanced" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_CapitalReserveCommonEquityTierOneBasis" abstract="false" name="CapitalReserveCommonEquityTierOneBasis" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_OtherRetainedEarnings" abstract="false" name="OtherRetainedEarnings" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_NonControllingInterestsCommonEquityTierOneBasis" abstract="false" name="NonControllingInterestsCommonEquityTierOneBasis" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ProfitLossNetOfDividends" abstract="false" name="ProfitLossNetOfDividends" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_EligibleCapitalDeductions" abstract="false" name="EligibleCapitalDeductions" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IntangibleAssetsAndGoodwillNetOfResidualValue" abstract="false" name="IntangibleAssetsAndGoodwillNetOfResidualValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_EligibleCapitalDeductionsOther" abstract="false" name="EligibleCapitalDeductionsOther" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_EligibleCapitalEligibleInstrumentsAdditionalTierOne" abstract="false" name="EligibleCapitalEligibleInstrumentsAdditionalTierOne" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_ExcessTierOneRiskBasedCapitalSubsidiaries" abstract="false" name="ExcessTierOneRiskBasedCapitalSubsidiaries" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital" abstract="false" name="SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_ExcessTierTwoRiskBasedCapitalSubsidiaries" abstract="false" name="ExcessTierTwoRiskBasedCapitalSubsidiaries" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_EligibleCapital" abstract="false" name="EligibleCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IfrsTierOneLeverageCapital" abstract="false" name="IfrsTierOneLeverageCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_TierOneLeverageCapitalExposureAverageAssets" abstract="false" name="TierOneLeverageCapitalExposureAverageAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_IFRSTierOneLeverageCapitalToAverageAssets" abstract="false" name="IFRSTierOneLeverageCapitalToAverageAssets" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="san_NonBankSubsidiariesMember" abstract="true" name="NonBankSubsidiariesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_LoansAndLeasesNet" abstract="false" name="LoansAndLeasesNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" abstract="false" name="OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="san_IssuanceRedemptionOfTreasuryShares" abstract="false" name="IssuanceRedemptionOfTreasuryShares" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="san_PreferenceSharesAndPreferredSecuritiesByIssuanceMember" abstract="true" name="PreferenceSharesAndPreferredSecuritiesByIssuanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IssuanceBySantanderUKPLCInOctober1995Member" abstract="true" name="IssuanceBySantanderUKPLCInOctober1995Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="san_IssuanceByBancoSantanderSAInNovember2023FirstSeriesMember" abstract="true" name="IssuanceByBancoSantanderSAInNovember2023FirstSeriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IssuanceByBancoSantanderSAInNovember2023SecondSeriesMember" abstract="true" name="IssuanceByBancoSantanderSAInNovember2023SecondSeriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_IssuanceBySantanderFinancePreferredSAInSeptember2004Member" abstract="true" name="IssuanceBySantanderFinancePreferredSAInSeptember2004Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_CMS10InterestRateMember" abstract="true" name="CMS10InterestRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="san_USTRateFiveYearUSDollarMember" abstract="true" name="USTRateFiveYearUSDollarMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
</xs:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>4
<FILENAME>san-20251231_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

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<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
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    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ifrs-full_DisclosureOfFinancialInstrumentsLineItems_019ca0fb-c8a5-735d-96d5-c65254546049" xlink:to="loc_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod_019ca0fb-c8a5-7b54-b558-3d2d83817e0d" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedIssueMidSwapRateTerm_019ca0fb-c8a5-7f46-9350-0f9b9c304b8c" xlink:href="san-20251231.xsd#san_SubordinatedIssueMidSwapRateTerm"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ifrs-full_DisclosureOfFinancialInstrumentsLineItems_019ca0fb-c8a5-735d-96d5-c65254546049" xlink:to="loc_san_SubordinatedIssueMidSwapRateTerm_019ca0fb-c8a5-7f46-9350-0f9b9c304b8c" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedIssueInterestRateRepriceTerm_019ca0fb-c8a5-7aa6-9a79-c75d2f5b75fb" xlink:href="san-20251231.xsd#san_SubordinatedIssueInterestRateRepriceTerm"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ifrs-full_DisclosureOfFinancialInstrumentsLineItems_019ca0fb-c8a5-735d-96d5-c65254546049" xlink:to="loc_san_SubordinatedIssueInterestRateRepriceTerm_019ca0fb-c8a5-7aa6-9a79-c75d2f5b75fb" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedIssueUSTRateTerm_019ca0fb-c8a5-76bd-8b02-1950730614ae" xlink:href="san-20251231.xsd#san_SubordinatedIssueUSTRateTerm"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ifrs-full_DisclosureOfFinancialInstrumentsLineItems_019ca0fb-c8a5-735d-96d5-c65254546049" xlink:to="loc_san_SubordinatedIssueUSTRateTerm_019ca0fb-c8a5-76bd-8b02-1950730614ae" xlink:type="arc" order="7"/>
  </link:definitionLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>6
<FILENAME>san-20251231_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019ca0fb-9921-7d3c-86cd-17b4f775128f,g:db368cde-206c-4213-92d1-e79e6e82c35e-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel"/>
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:label id="lab_san_ExpectedShortfallConfidenceLevelPercentage_019ca0fb-cbee-7ee7-b60c-03da119eade5_terseLabel_en-US" xlink:label="lab_san_ExpectedShortfallConfidenceLevelPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ES confidence level, percent</link:label>
    <link:label id="lab_san_ExpectedShortfallConfidenceLevelPercentage_label_en-US" xlink:label="lab_san_ExpectedShortfallConfidenceLevelPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Expected Shortfall, Confidence Level Percentage</link:label>
    <link:label id="lab_san_ExpectedShortfallConfidenceLevelPercentage_documentation_en-US" xlink:label="lab_san_ExpectedShortfallConfidenceLevelPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Expected Shortfall, Confidence Level Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ExpectedShortfallConfidenceLevelPercentage" xlink:href="san-20251231.xsd#san_ExpectedShortfallConfidenceLevelPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ExpectedShortfallConfidenceLevelPercentage" xlink:to="lab_san_ExpectedShortfallConfidenceLevelPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_CHF_019ca0fb-cb6b-7c40-be38-05a3ebecefc6_terseLabel_en-US" xlink:label="lab_currency_CHF" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CHF</link:label>
    <link:label id="lab_currency_CHF_label_en-US" xlink:label="lab_currency_CHF" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Switzerland, Francs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_CHF" xlink:href="https://xbrl.sec.gov/currency/2025/currency-2025.xsd#currency_CHF"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_CHF" xlink:to="lab_currency_CHF" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfContingentLiabilitiesLineItems_019ca0fb-ca4e-7701-8364-0aa86bf6ad5b_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfContingentLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of contingent liabilities [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfContingentLiabilitiesLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfContingentLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of contingent liabilities [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfContingentLiabilitiesLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfContingentLiabilitiesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfContingentLiabilitiesLineItems" xlink:to="lab_ifrs-full_DisclosureOfContingentLiabilitiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale_019ca0fb-ca4e-7dc1-b144-c380303abe7e_terseLabel_en-US" xlink:label="lab_san_ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proportion of ownership interest in subsidiary, announced for sale</link:label>
    <link:label id="lab_san_ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale_label_en-US" xlink:label="lab_san_ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proportion Of Ownership Interest In Subsidiary, Announced For Sale</link:label>
    <link:label id="lab_san_ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale_documentation_en-US" xlink:label="lab_san_ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Proportion Of Ownership Interest In Subsidiary, Announced For Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale" xlink:href="san-20251231.xsd#san_ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale" xlink:to="lab_san_ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RatioOfExecutiveDirectorsTotalRemunerationToUnderlyingAttributableProfit_019ca0fb-cb6b-705d-ab4e-9f8c6de19dd0_terseLabel_en-US" xlink:label="lab_san_RatioOfExecutiveDirectorsTotalRemunerationToUnderlyingAttributableProfit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ratio of executive directors&#8217; total remuneration to underlying attributable profit</link:label>
    <link:label id="lab_san_RatioOfExecutiveDirectorsTotalRemunerationToUnderlyingAttributableProfit_label_en-US" xlink:label="lab_san_RatioOfExecutiveDirectorsTotalRemunerationToUnderlyingAttributableProfit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Ratio Of Executive Directors Total Remuneration To Underlying Attributable Profit</link:label>
    <link:label id="lab_san_RatioOfExecutiveDirectorsTotalRemunerationToUnderlyingAttributableProfit_documentation_en-US" xlink:label="lab_san_RatioOfExecutiveDirectorsTotalRemunerationToUnderlyingAttributableProfit" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Ratio Of Executive Directors Total Remuneration To Underlying Attributable Profit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RatioOfExecutiveDirectorsTotalRemunerationToUnderlyingAttributableProfit" xlink:href="san-20251231.xsd#san_RatioOfExecutiveDirectorsTotalRemunerationToUnderlyingAttributableProfit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RatioOfExecutiveDirectorsTotalRemunerationToUnderlyingAttributableProfit" xlink:to="lab_san_RatioOfExecutiveDirectorsTotalRemunerationToUnderlyingAttributableProfit" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities_019ca0fb-ca4e-72c1-a770-4e5afc17ce0d_terseLabel_en-US" xlink:label="lab_ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tangible assets</link:label>
    <link:label id="lab_ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities_label_en-US" xlink:label="lab_ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Purchase of property, plant and equipment, classified as investing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:to="lab_ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PublicFixedIncomeDebtSecuritiesMember_019ca0fb-c9cd-7df7-9d3c-d952cd7eab8c_terseLabel_en-US" xlink:label="lab_san_PublicFixedIncomeDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Public fixed income</link:label>
    <link:label id="lab_san_PublicFixedIncomeDebtSecuritiesMember_label_en-US" xlink:label="lab_san_PublicFixedIncomeDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Public Fixed Income Debt Securities [Member]</link:label>
    <link:label id="lab_san_PublicFixedIncomeDebtSecuritiesMember_documentation_en-US" xlink:label="lab_san_PublicFixedIncomeDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Public Fixed Income Debt Securities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PublicFixedIncomeDebtSecuritiesMember" xlink:href="san-20251231.xsd#san_PublicFixedIncomeDebtSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PublicFixedIncomeDebtSecuritiesMember" xlink:to="lab_san_PublicFixedIncomeDebtSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherOperatingIncomeExpenseSegmentReporting_019ca0fb-ca4e-7cbb-b64b-c3da9e44bcb3_verboseLabel_en-US" xlink:label="lab_san_OtherOperatingIncomeExpenseSegmentReporting" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other operating income</link:label>
    <link:label id="lab_san_OtherOperatingIncomeExpenseSegmentReporting_019ca0fb-ca4e-75ce-9186-e492b835484f_terseLabel_en-US" xlink:label="lab_san_OtherOperatingIncomeExpenseSegmentReporting" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other operating income</link:label>
    <link:label id="lab_san_OtherOperatingIncomeExpenseSegmentReporting_label_en-US" xlink:label="lab_san_OtherOperatingIncomeExpenseSegmentReporting" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Operating Income (Expense), Segment Reporting</link:label>
    <link:label id="lab_san_OtherOperatingIncomeExpenseSegmentReporting_documentation_en-US" xlink:label="lab_san_OtherOperatingIncomeExpenseSegmentReporting" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of other operating income (expense) used for segment reporting, which includes dividend income, income from companies using the equity method, other operating income, other operating expense, and income and expense under insurance and reinsurance contracts.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherOperatingIncomeExpenseSegmentReporting" xlink:href="san-20251231.xsd#san_OtherOperatingIncomeExpenseSegmentReporting"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherOperatingIncomeExpenseSegmentReporting" xlink:to="lab_san_OtherOperatingIncomeExpenseSegmentReporting" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_WagesAndSalaries_019ca0fb-cad3-7dba-8764-431d3ff809f3_terseLabel_en-US" xlink:label="lab_ifrs-full_WagesAndSalaries" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Wages and salaries</link:label>
    <link:label id="lab_ifrs-full_WagesAndSalaries_label_en-US" xlink:label="lab_ifrs-full_WagesAndSalaries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Wages and salaries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_WagesAndSalaries" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_WagesAndSalaries"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_WagesAndSalaries" xlink:to="lab_ifrs-full_WagesAndSalaries" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2021Member_019ca0fb-cb6b-7343-8ff4-505f6f719319_terseLabel_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2021Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2021 variable remuneration</link:label>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2021Member_label_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2021Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Based Variable Remuneration Award 2021 [Member]</link:label>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2021Member_documentation_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2021Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share Based Variable Remuneration Award 2021</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ShareBasedVariableRemunerationAward2021Member" xlink:href="san-20251231.xsd#san_ShareBasedVariableRemunerationAward2021Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ShareBasedVariableRemunerationAward2021Member" xlink:to="lab_san_ShareBasedVariableRemunerationAward2021Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonControllingInterestsAbstract_019ca0fb-cb6b-78d5-9f5c-fbd4bb9fa304_terseLabel_en-US" xlink:label="lab_san_NonControllingInterestsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-controlling interests Abstract</link:label>
    <link:label id="lab_san_NonControllingInterestsAbstract_label_en-US" xlink:label="lab_san_NonControllingInterestsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Controlling Interests [Abstract]</link:label>
    <link:label id="lab_san_NonControllingInterestsAbstract_documentation_en-US" xlink:label="lab_san_NonControllingInterestsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">No definition available.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonControllingInterestsAbstract" xlink:href="san-20251231.xsd#san_NonControllingInterestsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonControllingInterestsAbstract" xlink:to="lab_san_NonControllingInterestsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityFileNumber_019ca0fb-cad3-7b7d-9c8b-cc1d350a416c_terseLabel_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:label id="lab_dei_EntityFileNumber_label_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityFileNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityFileNumber" xlink:to="lab_dei_EntityFileNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForborneLoanPortfolioMember_019ca0fb-cbee-71b3-b04c-2eb244e77e0a_terseLabel_en-US" xlink:label="lab_san_ForborneLoanPortfolioMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forborne loan portfolio</link:label>
    <link:label id="lab_san_ForborneLoanPortfolioMember_label_en-US" xlink:label="lab_san_ForborneLoanPortfolioMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forborne Loan Portfolio [Member]</link:label>
    <link:label id="lab_san_ForborneLoanPortfolioMember_documentation_en-US" xlink:label="lab_san_ForborneLoanPortfolioMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the forborne loan portfolio.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForborneLoanPortfolioMember" xlink:href="san-20251231.xsd#san_ForborneLoanPortfolioMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForborneLoanPortfolioMember" xlink:to="lab_san_ForborneLoanPortfolioMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RomaniaNewLeiAndEuroMember_019ca0fb-cad3-7578-8231-44255392e21b_terseLabel_en-US" xlink:label="lab_san_RomaniaNewLeiAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">RON/EUR</link:label>
    <link:label id="lab_san_RomaniaNewLeiAndEuroMember_label_en-US" xlink:label="lab_san_RomaniaNewLeiAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Romania, New Lei And Euro [Member]</link:label>
    <link:label id="lab_san_RomaniaNewLeiAndEuroMember_documentation_en-US" xlink:label="lab_san_RomaniaNewLeiAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Romania, New Lei And Euro</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RomaniaNewLeiAndEuroMember" xlink:href="san-20251231.xsd#san_RomaniaNewLeiAndEuroMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RomaniaNewLeiAndEuroMember" xlink:to="lab_san_RomaniaNewLeiAndEuroMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfAmountsArisingFromInsuranceContractsLinkedToPensionsTableTextBlock_019ca0fb-cbee-71b8-8658-f902f70af660_terseLabel_en-US" xlink:label="lab_san_DisclosureOfAmountsArisingFromInsuranceContractsLinkedToPensionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of insurance contracts linked to pensions</link:label>
    <link:label id="lab_san_DisclosureOfAmountsArisingFromInsuranceContractsLinkedToPensionsTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfAmountsArisingFromInsuranceContractsLinkedToPensionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Amounts Arising From Insurance Contracts Linked To Pensions [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfAmountsArisingFromInsuranceContractsLinkedToPensionsTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfAmountsArisingFromInsuranceContractsLinkedToPensionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of amounts rising from insurance contracts linked to pensions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfAmountsArisingFromInsuranceContractsLinkedToPensionsTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfAmountsArisingFromInsuranceContractsLinkedToPensionsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfAmountsArisingFromInsuranceContractsLinkedToPensionsTableTextBlock" xlink:to="lab_san_DisclosureOfAmountsArisingFromInsuranceContractsLinkedToPensionsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedIssueIncreaseAccruedInterest_019ca0fb-ca4e-7d73-a4fb-5ad82d2f0ef3_terseLabel_en-US" xlink:label="lab_san_SubordinatedIssueIncreaseAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase in accrued interest</link:label>
    <link:label id="lab_san_SubordinatedIssueIncreaseAccruedInterest_label_en-US" xlink:label="lab_san_SubordinatedIssueIncreaseAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Issue, Increase, Accrued Interest</link:label>
    <link:label id="lab_san_SubordinatedIssueIncreaseAccruedInterest_documentation_en-US" xlink:label="lab_san_SubordinatedIssueIncreaseAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase for accrued, but unpaid interest on the subordinated issues for the period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedIssueIncreaseAccruedInterest" xlink:href="san-20251231.xsd#san_SubordinatedIssueIncreaseAccruedInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedIssueIncreaseAccruedInterest" xlink:to="lab_san_SubordinatedIssueIncreaseAccruedInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfDetailedInformationAboutIntangibleAssetsExplanatory_019ca0fb-c9cd-77b2-8420-9ad641feaab0_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfDetailedInformationAboutIntangibleAssetsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about intangible assets</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfDetailedInformationAboutIntangibleAssetsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfDetailedInformationAboutIntangibleAssetsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about intangible assets [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfDetailedInformationAboutIntangibleAssetsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfDetailedInformationAboutIntangibleAssetsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfDetailedInformationAboutIntangibleAssetsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfDetailedInformationAboutIntangibleAssetsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LiabilitiesForIncurredClaimsMember_019ca0fb-cb6b-7dbe-825d-a1859b3b6cb8_terseLabel_en-US" xlink:label="lab_ifrs-full_LiabilitiesForIncurredClaimsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liability for incurred claims (LIC)</link:label>
    <link:label id="lab_ifrs-full_LiabilitiesForIncurredClaimsMember_label_en-US" xlink:label="lab_ifrs-full_LiabilitiesForIncurredClaimsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities for incurred claims [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LiabilitiesForIncurredClaimsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LiabilitiesForIncurredClaimsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LiabilitiesForIncurredClaimsMember" xlink:to="lab_ifrs-full_LiabilitiesForIncurredClaimsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LevelsOfFairValueHierarchyDomain_019ca0fb-ca4e-7686-9329-7c81bc683d6e_terseLabel_en-US" xlink:label="lab_ifrs-full_LevelsOfFairValueHierarchyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Levels of fair value hierarchy [domain]</link:label>
    <link:label id="lab_ifrs-full_LevelsOfFairValueHierarchyDomain_label_en-US" xlink:label="lab_ifrs-full_LevelsOfFairValueHierarchyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Levels of fair value hierarchy [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LevelsOfFairValueHierarchyDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LevelsOfFairValueHierarchyDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LevelsOfFairValueHierarchyDomain" xlink:to="lab_ifrs-full_LevelsOfFairValueHierarchyDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount_019ca0fb-cb6b-798a-9a12-734ca1ce234b_terseLabel_en-US" xlink:label="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loans, provision and adjustment to gross carrying amount</link:label>
    <link:label id="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount_label_en-US" xlink:label="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loans, Denominated In/Indexed To Swiss Francs, Provisions And Adjustment To Gross Carrying Amount</link:label>
    <link:label id="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount_documentation_en-US" xlink:label="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loans, Denominated In/Indexed To Swiss Francs, Provisions And Adjustment To Gross Carrying Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount" xlink:href="san-20251231.xsd#san_MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount" xlink:to="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale_019ca0fb-cbee-71f9-8a1c-98b14560ebac_negatedLabel_en-US" xlink:label="lab_san_LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Tangible and intangible assets</link:label>
    <link:label id="lab_san_LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale_label_en-US" xlink:label="lab_san_LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Losses On Disposals Of Tangible And Intangible Assets Not Classified As Held For Sale</link:label>
    <link:label id="lab_san_LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale_documentation_en-US" xlink:label="lab_san_LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of losses on disposals of tangible and intangible assets not classified as held for sale during the period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" xlink:href="san-20251231.xsd#san_LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" xlink:to="lab_san_LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers_019ca0fb-ca4e-79e9-a9ce-2383dfeda45d_terseLabel_en-US" xlink:label="lab_san_ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions recognized to cover expenses of pre-retirement and voluntary redundancy offers</link:label>
    <link:label id="lab_san_ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers_label_en-US" xlink:label="lab_san_ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provisions Recognized To Cover Expenses Of Pre Retirement And Voluntary Redundancy Offers</link:label>
    <link:label id="lab_san_ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers_documentation_en-US" xlink:label="lab_san_ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Provisions recognized to cover expenses of pre-retirement and voluntary redundancy offers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers" xlink:href="san-20251231.xsd#san_ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers" xlink:to="lab_san_ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_019ca0fb-c94e-759a-86a7-763e2446872e_terseLabel_en-US" xlink:label="lab_ifrs-full_NetDefinedBenefitLiabilityAssetAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net defined benefit liability (asset) [axis]</link:label>
    <link:label id="lab_ifrs-full_NetDefinedBenefitLiabilityAssetAxis_label_en-US" xlink:label="lab_ifrs-full_NetDefinedBenefitLiabilityAssetAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net defined benefit liability (asset) [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NetDefinedBenefitLiabilityAssetAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NetDefinedBenefitLiabilityAssetAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NetDefinedBenefitLiabilityAssetAxis" xlink:to="lab_ifrs-full_NetDefinedBenefitLiabilityAssetAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ConsiderationInCashPerAmericanDepositaryShare_019ca0fb-cb6b-7d20-a1a0-88e0edcfeaa7_terseLabel_en-US" xlink:label="lab_san_ConsiderationInCashPerAmericanDepositaryShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consideration, in cash per American Depositary Share</link:label>
    <link:label id="lab_san_ConsiderationInCashPerAmericanDepositaryShare_label_en-US" xlink:label="lab_san_ConsiderationInCashPerAmericanDepositaryShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consideration, In Cash Per American Depositary Share</link:label>
    <link:label id="lab_san_ConsiderationInCashPerAmericanDepositaryShare_documentation_en-US" xlink:label="lab_san_ConsiderationInCashPerAmericanDepositaryShare" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Consideration, In Cash Per American Depositary Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ConsiderationInCashPerAmericanDepositaryShare" xlink:href="san-20251231.xsd#san_ConsiderationInCashPerAmericanDepositaryShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ConsiderationInCashPerAmericanDepositaryShare" xlink:to="lab_san_ConsiderationInCashPerAmericanDepositaryShare" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableRemunerationNumberOfDifferentBlocks_019ca0fb-c94e-736f-a0c2-9ef08be89820_terseLabel_en-US" xlink:label="lab_san_DeferredVariableRemunerationNumberOfDifferentBlocks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of different blocks</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationNumberOfDifferentBlocks_label_en-US" xlink:label="lab_san_DeferredVariableRemunerationNumberOfDifferentBlocks" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Number Of Different Blocks</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationNumberOfDifferentBlocks_documentation_en-US" xlink:label="lab_san_DeferredVariableRemunerationNumberOfDifferentBlocks" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Number Of Different Blocks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableRemunerationNumberOfDifferentBlocks" xlink:href="san-20251231.xsd#san_DeferredVariableRemunerationNumberOfDifferentBlocks"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableRemunerationNumberOfDifferentBlocks" xlink:to="lab_san_DeferredVariableRemunerationNumberOfDifferentBlocks" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DomesticSystemicallyImportantEntitiesCapitalBufferPercentage_019ca0fb-c94e-73c2-a417-c21750f9512d_terseLabel_en-US" xlink:label="lab_san_DomesticSystemicallyImportantEntitiesCapitalBufferPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Domestic systemic entities, capital buffer percentage</link:label>
    <link:label id="lab_san_DomesticSystemicallyImportantEntitiesCapitalBufferPercentage_label_en-US" xlink:label="lab_san_DomesticSystemicallyImportantEntitiesCapitalBufferPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Domestic Systemically Important Entities, Capital Buffer Percentage</link:label>
    <link:label id="lab_san_DomesticSystemicallyImportantEntitiesCapitalBufferPercentage_documentation_en-US" xlink:label="lab_san_DomesticSystemicallyImportantEntitiesCapitalBufferPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Domestic Systemically Important Entities, Capital Buffer Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DomesticSystemicallyImportantEntitiesCapitalBufferPercentage" xlink:href="san-20251231.xsd#san_DomesticSystemicallyImportantEntitiesCapitalBufferPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DomesticSystemicallyImportantEntitiesCapitalBufferPercentage" xlink:to="lab_san_DomesticSystemicallyImportantEntitiesCapitalBufferPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate_019ca0fb-ca4e-7082-b400-b3354275dd8e_terseLabel_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in provision assuming 100bp decrease in interest rate (as a percent)</link:label>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate_label_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percent Change In Provision Assuming 100 Basis Point Decrease In Interest Rate</link:label>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate_documentation_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percent Change In Provision Assuming 100 Basis Point Decrease In Interest Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate" xlink:href="san-20251231.xsd#san_PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate" xlink:to="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentTSRMinimumMetricResult_019ca0fb-cb6b-74bf-9b86-cee29bad2c0d_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentTSRMinimumMetricResult" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">TSR minimum metric, result</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentTSRMinimumMetricResult_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentTSRMinimumMetricResult" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, TSR Minimum Metric, Result</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentTSRMinimumMetricResult_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentTSRMinimumMetricResult" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, TSR Minimum Metric, Result</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentTSRMinimumMetricResult" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentTSRMinimumMetricResult"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentTSRMinimumMetricResult" xlink:to="lab_san_VariableRemunerationDeferredPaymentTSRMinimumMetricResult" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DefaultRateExpectedIncreasePercentage_019ca0fb-cbee-7d13-8701-fdd45bc94a80_terseLabel_en-US" xlink:label="lab_san_DefaultRateExpectedIncreasePercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Default rate expected increase (in percentage)</link:label>
    <link:label id="lab_san_DefaultRateExpectedIncreasePercentage_label_en-US" xlink:label="lab_san_DefaultRateExpectedIncreasePercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Default Rate, Expected Increase, Percentage</link:label>
    <link:label id="lab_san_DefaultRateExpectedIncreasePercentage_documentation_en-US" xlink:label="lab_san_DefaultRateExpectedIncreasePercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Default Rate, Expected Increase, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DefaultRateExpectedIncreasePercentage" xlink:href="san-20251231.xsd#san_DefaultRateExpectedIncreasePercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DefaultRateExpectedIncreasePercentage" xlink:to="lab_san_DefaultRateExpectedIncreasePercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_san_StructuralRisksMember_019ca0fb-c9cd-7f82-9765-abcd5c449d42_terseLabel_en-US" xlink:label="lab_san_StructuralRisksMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Structural VaR</link:label>
    <link:label id="lab_san_StructuralRisksMember_label_en-US" xlink:label="lab_san_StructuralRisksMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Structural Risks [Member]</link:label>
    <link:label id="lab_san_StructuralRisksMember_documentation_en-US" xlink:label="lab_san_StructuralRisksMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the risk that the fair value or future cash flows of a financial instrument will fluctuate because of changes in market prices for structural balance sheet components (excluding assets and liabilities held for trading).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_StructuralRisksMember" xlink:href="san-20251231.xsd#san_StructuralRisksMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_StructuralRisksMember" xlink:to="lab_san_StructuralRisksMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DerivativesDesignatedAsHedgingInstrumentsCategoryMember_019ca0fb-cb6b-7ab3-baa6-a853aab9bc9d_terseLabel_en-US" xlink:label="lab_san_DerivativesDesignatedAsHedgingInstrumentsCategoryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging derivatives</link:label>
    <link:label id="lab_san_DerivativesDesignatedAsHedgingInstrumentsCategoryMember_label_en-US" xlink:label="lab_san_DerivativesDesignatedAsHedgingInstrumentsCategoryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivatives Designated As Hedging Instruments Category [Member]</link:label>
    <link:label id="lab_san_DerivativesDesignatedAsHedgingInstrumentsCategoryMember_documentation_en-US" xlink:label="lab_san_DerivativesDesignatedAsHedgingInstrumentsCategoryMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the derivatives designated as hedging instruments category of financial assets or liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DerivativesDesignatedAsHedgingInstrumentsCategoryMember" xlink:href="san-20251231.xsd#san_DerivativesDesignatedAsHedgingInstrumentsCategoryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DerivativesDesignatedAsHedgingInstrumentsCategoryMember" xlink:to="lab_san_DerivativesDesignatedAsHedgingInstrumentsCategoryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherOperatingIncome1_019ca0fb-cb6b-7a9d-9ea3-21093caaf533_terseLabel_en-US" xlink:label="lab_san_OtherOperatingIncome1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other operating income</link:label>
    <link:label id="lab_san_OtherOperatingIncome1_019ca0fb-cb6b-7ac9-8e16-dc2956a1c55c_totalLabel_en-US" xlink:label="lab_san_OtherOperatingIncome1" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Other operating income</link:label>
    <link:label id="lab_san_OtherOperatingIncome1_019ca0fb-cb6b-77be-9ac1-e39ad290dd1f_verboseLabel_en-US" xlink:label="lab_san_OtherOperatingIncome1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Non-interest income</link:label>
    <link:label id="lab_san_OtherOperatingIncome1_label_en-US" xlink:label="lab_san_OtherOperatingIncome1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Operating Income1</link:label>
    <link:label id="lab_san_OtherOperatingIncome1_documentation_en-US" xlink:label="lab_san_OtherOperatingIncome1" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Operating Income1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherOperatingIncome1" xlink:href="san-20251231.xsd#san_OtherOperatingIncome1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherOperatingIncome1" xlink:to="lab_san_OtherOperatingIncome1" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherExecutivePersonnelMember_019ca0fb-cc70-7e3a-bcb1-6f3a5d3dbdee_terseLabel_en-US" xlink:label="lab_san_OtherExecutivePersonnelMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other executives</link:label>
    <link:label id="lab_san_OtherExecutivePersonnelMember_label_en-US" xlink:label="lab_san_OtherExecutivePersonnelMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Executive Personnel [Member]</link:label>
    <link:label id="lab_san_OtherExecutivePersonnelMember_documentation_en-US" xlink:label="lab_san_OtherExecutivePersonnelMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for other executive personnel, not otherwise disclosed, of the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherExecutivePersonnelMember" xlink:href="san-20251231.xsd#san_OtherExecutivePersonnelMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherExecutivePersonnelMember" xlink:to="lab_san_OtherExecutivePersonnelMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TaxEffectOfProfitLossOfAssociatesAndJointVentures_019ca0fb-cb6b-7db5-a54c-c6bbffd559fc_verboseLabel_en-US" xlink:label="lab_san_TaxEffectOfProfitLossOfAssociatesAndJointVentures" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Effect of profit or loss of associates and joint ventures</link:label>
    <link:label id="lab_san_TaxEffectOfProfitLossOfAssociatesAndJointVentures_label_en-US" xlink:label="lab_san_TaxEffectOfProfitLossOfAssociatesAndJointVentures" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Effect Of Profit (Loss) Of Associates And Joint Ventures</link:label>
    <link:label id="lab_san_TaxEffectOfProfitLossOfAssociatesAndJointVentures_documentation_en-US" xlink:label="lab_san_TaxEffectOfProfitLossOfAssociatesAndJointVentures" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax Effect Of Profit (Loss) Of Associates And Joint Ventures</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TaxEffectOfProfitLossOfAssociatesAndJointVentures" xlink:href="san-20251231.xsd#san_TaxEffectOfProfitLossOfAssociatesAndJointVentures"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TaxEffectOfProfitLossOfAssociatesAndJointVentures" xlink:to="lab_san_TaxEffectOfProfitLossOfAssociatesAndJointVentures" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments_019ca0fb-ca4e-769c-afe1-4be1ae673b5d_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in the fair value of equity instruments measured at fair value through other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other comprehensive income, net of tax, gains (losses) from investments in equity instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SalesFairValueMeasurementAssets_019ca0fb-c9cd-780f-a31a-f29d10e33aec_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_SalesFairValueMeasurementAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Sales/Settlements</link:label>
    <link:label id="lab_ifrs-full_SalesFairValueMeasurementAssets_label_en-US" xlink:label="lab_ifrs-full_SalesFairValueMeasurementAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales, fair value measurement, assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SalesFairValueMeasurementAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SalesFairValueMeasurementAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SalesFairValueMeasurementAssets" xlink:to="lab_ifrs-full_SalesFairValueMeasurementAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits_019ca0fb-cbee-735e-b6af-06c82dfc4be3_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other remuneration</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Other Employee Benefits</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of compensation to key management personnel in the form of other employee benefits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationOtherEmployeeBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits" xlink:to="lab_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BoardOfDirectorsChairmanAndChiefExecutiveOfficerMember_019ca0fb-cc70-76bb-bc90-6699afd49e50_terseLabel_en-US" xlink:label="lab_san_BoardOfDirectorsChairmanAndChiefExecutiveOfficerMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Chairman and CEO</link:label>
    <link:label id="lab_san_BoardOfDirectorsChairmanAndChiefExecutiveOfficerMember_label_en-US" xlink:label="lab_san_BoardOfDirectorsChairmanAndChiefExecutiveOfficerMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Board Of Directors Chairman And Chief Executive Officer [Member]</link:label>
    <link:label id="lab_san_BoardOfDirectorsChairmanAndChiefExecutiveOfficerMember_documentation_en-US" xlink:label="lab_san_BoardOfDirectorsChairmanAndChiefExecutiveOfficerMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Board Of Directors Chairman And Chief Executive Officer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BoardOfDirectorsChairmanAndChiefExecutiveOfficerMember" xlink:href="san-20251231.xsd#san_BoardOfDirectorsChairmanAndChiefExecutiveOfficerMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BoardOfDirectorsChairmanAndChiefExecutiveOfficerMember" xlink:to="lab_san_BoardOfDirectorsChairmanAndChiefExecutiveOfficerMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfTreasurySharesExplanatory_019ca0fb-ca4d-7176-97ed-5622ddc0fcf6_verboseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfTreasurySharesExplanatory" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other equity instruments and own shares</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfTreasurySharesExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfTreasurySharesExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of treasury shares [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfTreasurySharesExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfTreasurySharesExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfTreasurySharesExplanatory" xlink:to="lab_ifrs-full_DisclosureOfTreasurySharesExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember_019ca0fb-cad3-7ae6-9328-dc8a9c8273d4_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember_019ca0fb-cad3-771e-bcf1-4a9d5d03dcd9_verboseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through profit or loss</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through profit or loss, designated upon initial recognition or subsequently, category [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember" xlink:to="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IntangibleAssetsAndGoodwill_019ca0fb-c9cd-77f4-9238-5d02b537f5e8_totalLabel_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsAndGoodwill" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">INTANGIBLE ASSETS</link:label>
    <link:label id="lab_ifrs-full_IntangibleAssetsAndGoodwill_019ca0fb-c9cd-712f-9ae3-07088e07ddcc_terseLabel_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsAndGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible assets</link:label>
    <link:label id="lab_ifrs-full_IntangibleAssetsAndGoodwill_label_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsAndGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible assets and goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IntangibleAssetsAndGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IntangibleAssetsAndGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IntangibleAssetsAndGoodwill" xlink:to="lab_ifrs-full_IntangibleAssetsAndGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_san_UnratedMember_019ca0fb-c94e-7a0e-a0c6-2244725885e8_terseLabel_en-US" xlink:label="lab_san_UnratedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrated</link:label>
    <link:label id="lab_san_UnratedMember_label_en-US" xlink:label="lab_san_UnratedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrated [Member]</link:label>
    <link:label id="lab_san_UnratedMember_documentation_en-US" xlink:label="lab_san_UnratedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Unrated.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_UnratedMember" xlink:href="san-20251231.xsd#san_UnratedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_UnratedMember" xlink:to="lab_san_UnratedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SpanishLegislationMember_019ca0fb-ca4e-7312-93cc-6971d53975f0_terseLabel_en-US" xlink:label="lab_san_SpanishLegislationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Spanish legislation</link:label>
    <link:label id="lab_san_SpanishLegislationMember_label_en-US" xlink:label="lab_san_SpanishLegislationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Spanish Legislation [Member]</link:label>
    <link:label id="lab_san_SpanishLegislationMember_documentation_en-US" xlink:label="lab_san_SpanishLegislationMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Spanish Legislation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SpanishLegislationMember" xlink:href="san-20251231.xsd#san_SpanishLegislationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SpanishLegislationMember" xlink:to="lab_san_SpanishLegislationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfFeeAndCommissionExpensesTextBlock_019ca0fb-cad3-797b-84dd-4d9ad77cb20e_terseLabel_en-US" xlink:label="lab_san_DisclosureOfFeeAndCommissionExpensesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commission expense</link:label>
    <link:label id="lab_san_DisclosureOfFeeAndCommissionExpensesTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfFeeAndCommissionExpensesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Fee And Commission Expenses [Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfFeeAndCommissionExpensesTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfFeeAndCommissionExpensesTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of fee and commission expenses.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfFeeAndCommissionExpensesTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfFeeAndCommissionExpensesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfFeeAndCommissionExpensesTextBlock" xlink:to="lab_san_DisclosureOfFeeAndCommissionExpensesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_StatementOfComprehensiveIncomeAbstract_019ca0fb-cad3-7b71-bd22-f5ba6eadeffe_terseLabel_en-US" xlink:label="lab_ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement of comprehensive income [abstract]</link:label>
    <link:label id="lab_ifrs-full_StatementOfComprehensiveIncomeAbstract_label_en-US" xlink:label="lab_ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of comprehensive income [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_StatementOfComprehensiveIncomeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:to="lab_ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_WeightedAverageShareSellingPrice_019ca0fb-cb6b-72bd-8e6c-878e784fcfe7_terseLabel_en-US" xlink:label="lab_san_WeightedAverageShareSellingPrice" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average selling price of bank shares (in euro per share)</link:label>
    <link:label id="lab_san_WeightedAverageShareSellingPrice_label_en-US" xlink:label="lab_san_WeightedAverageShareSellingPrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Share, Selling Price</link:label>
    <link:label id="lab_san_WeightedAverageShareSellingPrice_documentation_en-US" xlink:label="lab_san_WeightedAverageShareSellingPrice" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The weighted average selling price per share.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_WeightedAverageShareSellingPrice" xlink:href="san-20251231.xsd#san_WeightedAverageShareSellingPrice"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_WeightedAverageShareSellingPrice" xlink:to="lab_san_WeightedAverageShareSellingPrice" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FeeAndCommissionIncomeMarketingOfNonbankingFinancialProductsAbstract_019ca0fb-cc70-7242-933d-90618150045a_terseLabel_en-US" xlink:label="lab_san_FeeAndCommissionIncomeMarketingOfNonbankingFinancialProductsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Coming from non-banking financial products</link:label>
    <link:label id="lab_san_FeeAndCommissionIncomeMarketingOfNonbankingFinancialProductsAbstract_label_en-US" xlink:label="lab_san_FeeAndCommissionIncomeMarketingOfNonbankingFinancialProductsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fee And Commission Income, Marketing Of Nonbanking Financial Products [Abstract]</link:label>
    <link:label id="lab_san_FeeAndCommissionIncomeMarketingOfNonbankingFinancialProductsAbstract_documentation_en-US" xlink:label="lab_san_FeeAndCommissionIncomeMarketingOfNonbankingFinancialProductsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">n/a.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FeeAndCommissionIncomeMarketingOfNonbankingFinancialProductsAbstract" xlink:href="san-20251231.xsd#san_FeeAndCommissionIncomeMarketingOfNonbankingFinancialProductsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FeeAndCommissionIncomeMarketingOfNonbankingFinancialProductsAbstract" xlink:to="lab_san_FeeAndCommissionIncomeMarketingOfNonbankingFinancialProductsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherThanPropertyCollateralPledgedMember_019ca0fb-cc70-7f27-93f1-146754017e78_terseLabel_en-US" xlink:label="lab_san_OtherThanPropertyCollateralPledgedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Of&#160;which other collateral</link:label>
    <link:label id="lab_san_OtherThanPropertyCollateralPledgedMember_label_en-US" xlink:label="lab_san_OtherThanPropertyCollateralPledgedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Than Property Collateral Pledged [Member]</link:label>
    <link:label id="lab_san_OtherThanPropertyCollateralPledgedMember_documentation_en-US" xlink:label="lab_san_OtherThanPropertyCollateralPledgedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Pledge of other assets rather than property to serve as protection against default.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherThanPropertyCollateralPledgedMember" xlink:href="san-20251231.xsd#san_OtherThanPropertyCollateralPledgedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherThanPropertyCollateralPledgedMember" xlink:to="lab_san_OtherThanPropertyCollateralPledgedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax_019ca0fb-ca4e-7f1a-bc34-8189132efb7c_terseLabel_en-US" xlink:label="lab_san_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in the RV hedged with micro-hedging transactions</link:label>
    <link:label id="lab_san_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax_label_en-US" xlink:label="lab_san_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (Losses) On Financial Assets Measured At Fair Value Through Other Comprehensive Income, Changes In The RV Hedged, Before Tax</link:label>
    <link:label id="lab_san_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax_documentation_en-US" xlink:label="lab_san_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Gains (Losses) On Financial Assets Measured At Fair Value Through Other Comprehensive Income, Changes In The RV Hedged, Before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax" xlink:href="san-20251231.xsd#san_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax" xlink:to="lab_san_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfSubsidiariesTaxResidentInTheUKLiquidatedDuringPeriod_019ca0fb-c94e-7744-8735-2da8b6576ff5_terseLabel_en-US" xlink:label="lab_san_NumberOfSubsidiariesTaxResidentInTheUKLiquidatedDuringPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of subsidiaries tax resident in the UK, liquidated during period</link:label>
    <link:label id="lab_san_NumberOfSubsidiariesTaxResidentInTheUKLiquidatedDuringPeriod_label_en-US" xlink:label="lab_san_NumberOfSubsidiariesTaxResidentInTheUKLiquidatedDuringPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Subsidiaries Tax Resident In The UK, Liquidated During Period</link:label>
    <link:label id="lab_san_NumberOfSubsidiariesTaxResidentInTheUKLiquidatedDuringPeriod_documentation_en-US" xlink:label="lab_san_NumberOfSubsidiariesTaxResidentInTheUKLiquidatedDuringPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Of Subsidiaries Tax Resident In The UK, Liquidated During Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfSubsidiariesTaxResidentInTheUKLiquidatedDuringPeriod" xlink:href="san-20251231.xsd#san_NumberOfSubsidiariesTaxResidentInTheUKLiquidatedDuringPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfSubsidiariesTaxResidentInTheUKLiquidatedDuringPeriod" xlink:to="lab_san_NumberOfSubsidiariesTaxResidentInTheUKLiquidatedDuringPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfDebtInstrumentsByOriginOfIssuerTableTextBlock_019ca0fb-c9cd-773f-ab64-e7df59516c15_terseLabel_en-US" xlink:label="lab_san_DisclosureOfDebtInstrumentsByOriginOfIssuerTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of debt instruments by origin of issuer</link:label>
    <link:label id="lab_san_DisclosureOfDebtInstrumentsByOriginOfIssuerTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfDebtInstrumentsByOriginOfIssuerTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Debt Instruments By Origin Of Issuer [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfDebtInstrumentsByOriginOfIssuerTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfDebtInstrumentsByOriginOfIssuerTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of debt instruments by origin of issue.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfDebtInstrumentsByOriginOfIssuerTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfDebtInstrumentsByOriginOfIssuerTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfDebtInstrumentsByOriginOfIssuerTableTextBlock" xlink:to="lab_san_DisclosureOfDebtInstrumentsByOriginOfIssuerTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration_019ca0fb-cb6b-70c7-a6af-7b7796308da7_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash paid, deferred</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Cash Payment Deferred Remuneration</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of Key Management Personnel Compensation Cash Payment, deferred Remuneration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration" xlink:to="lab_san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherFinancialLiabilitiesUnspecified_019ca0fb-ca4e-79f8-b5ce-52aa2f00d3ce_terseLabel_en-US" xlink:label="lab_san_OtherFinancialLiabilitiesUnspecified" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other financial liabilities</link:label>
    <link:label id="lab_san_OtherFinancialLiabilitiesUnspecified_label_en-US" xlink:label="lab_san_OtherFinancialLiabilitiesUnspecified" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Financial Liabilities, Unspecified</link:label>
    <link:label id="lab_san_OtherFinancialLiabilitiesUnspecified_documentation_en-US" xlink:label="lab_san_OtherFinancialLiabilitiesUnspecified" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of financial liabilities described as other that are not specifically identified in the disclosure.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherFinancialLiabilitiesUnspecified" xlink:href="san-20251231.xsd#san_OtherFinancialLiabilitiesUnspecified"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherFinancialLiabilitiesUnspecified" xlink:to="lab_san_OtherFinancialLiabilitiesUnspecified" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfInterestIncomeExplanatory_019ca0fb-ca4d-74a8-9bcd-d07ca8d7832d_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfInterestIncomeExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest income</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfInterestIncomeExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfInterestIncomeExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of interest income [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfInterestIncomeExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfInterestIncomeExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfInterestIncomeExplanatory" xlink:to="lab_ifrs-full_DisclosureOfInterestIncomeExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProceedsFromIssueOfBondsNotesAndDebentures_019ca0fb-c94e-7c6e-a70a-24b23dbd0961_terseLabel_en-US" xlink:label="lab_ifrs-full_ProceedsFromIssueOfBondsNotesAndDebentures" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance of debt securities</link:label>
    <link:label id="lab_ifrs-full_ProceedsFromIssueOfBondsNotesAndDebentures_label_en-US" xlink:label="lab_ifrs-full_ProceedsFromIssueOfBondsNotesAndDebentures" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from issue of bonds, notes and debentures</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProceedsFromIssueOfBondsNotesAndDebentures" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProceedsFromIssueOfBondsNotesAndDebentures"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProceedsFromIssueOfBondsNotesAndDebentures" xlink:to="lab_ifrs-full_ProceedsFromIssueOfBondsNotesAndDebentures" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherEquityInstrumentsIssued_019ca0fb-ca4e-7fa6-9000-b0514d20fd8a_terseLabel_en-US" xlink:label="lab_san_OtherEquityInstrumentsIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other equity instruments issued</link:label>
    <link:label id="lab_san_OtherEquityInstrumentsIssued_label_en-US" xlink:label="lab_san_OtherEquityInstrumentsIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Equity Instruments Issued</link:label>
    <link:label id="lab_san_OtherEquityInstrumentsIssued_documentation_en-US" xlink:label="lab_san_OtherEquityInstrumentsIssued" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Equity Instruments Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherEquityInstrumentsIssued" xlink:href="san-20251231.xsd#san_OtherEquityInstrumentsIssued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherEquityInstrumentsIssued" xlink:to="lab_san_OtherEquityInstrumentsIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_StatutoryReserve_019ca0fb-c9cd-7432-9e02-5c2fa043fab3_terseLabel_en-US" xlink:label="lab_ifrs-full_StatutoryReserve" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal reserve</link:label>
    <link:label id="lab_ifrs-full_StatutoryReserve_label_en-US" xlink:label="lab_ifrs-full_StatutoryReserve" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statutory reserve</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_StatutoryReserve" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_StatutoryReserve"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_StatutoryReserve" xlink:to="lab_ifrs-full_StatutoryReserve" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentRelativeTSRMetricAchievementRate_019ca0fb-c94d-7dba-8fa3-7daaaa1a1739_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentRelativeTSRMetricAchievementRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Relative TSR metric, achievement rate</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentRelativeTSRMetricAchievementRate_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentRelativeTSRMetricAchievementRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Relative TSR Metric, Achievement Rate</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentRelativeTSRMetricAchievementRate_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentRelativeTSRMetricAchievementRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Relative TSR Metric, Achievement Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentRelativeTSRMetricAchievementRate" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentRelativeTSRMetricAchievementRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentRelativeTSRMetricAchievementRate" xlink:to="lab_san_VariableRemunerationDeferredPaymentRelativeTSRMetricAchievementRate" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue_019ca0fb-ca4e-7366-8ce6-0096e4ad7781_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">NON-TRADING FINANCIAL ASSETS MANDATORILY AT FAIR VALUE THROUGH PROFIT OR LOSS</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue_019ca0fb-ca4e-7a1a-90eb-2b238ccb6380_verboseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Non-trading financial assets mandatorily at fair value through profit or loss</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue_019ca0fb-ca4e-7417-ba63-c2591af67c27_netLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Non-trading financial assets mandatorily at fair value through profit or loss</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through profit or loss, mandatorily measured at fair value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:to="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BanqueStellantisFranceMember_019ca0fb-c9cd-7fba-b3fc-4a184d118b38_terseLabel_en-US" xlink:label="lab_san_BanqueStellantisFranceMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banque Stellantis France</link:label>
    <link:label id="lab_san_BanqueStellantisFranceMember_label_en-US" xlink:label="lab_san_BanqueStellantisFranceMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banque Stellantis France [Member]</link:label>
    <link:label id="lab_san_BanqueStellantisFranceMember_documentation_en-US" xlink:label="lab_san_BanqueStellantisFranceMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Banque Stellantis France</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BanqueStellantisFranceMember" xlink:href="san-20251231.xsd#san_BanqueStellantisFranceMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BanqueStellantisFranceMember" xlink:to="lab_san_BanqueStellantisFranceMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SeniorManagementMember_019ca0fb-c9cd-7c9d-bac6-944d4c828947_terseLabel_en-US" xlink:label="lab_san_SeniorManagementMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Senior Management</link:label>
    <link:label id="lab_san_SeniorManagementMember_label_en-US" xlink:label="lab_san_SeniorManagementMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Senior Management [Member]</link:label>
    <link:label id="lab_san_SeniorManagementMember_documentation_en-US" xlink:label="lab_san_SeniorManagementMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for those persons identified as senior management having authority and responsibility for planning, directing and controlling the activities of the entity, directly or indirectly, of that entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SeniorManagementMember" xlink:href="san-20251231.xsd#san_SeniorManagementMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SeniorManagementMember" xlink:to="lab_san_SeniorManagementMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OffShoreEntitiesMember_019ca0fb-c9cd-7a04-9d6a-4702aa1cffb6_terseLabel_en-US" xlink:label="lab_san_OffShoreEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Off-shore entities</link:label>
    <link:label id="lab_san_OffShoreEntitiesMember_label_en-US" xlink:label="lab_san_OffShoreEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Off Shore Entities [Member]</link:label>
    <link:label id="lab_san_OffShoreEntitiesMember_documentation_en-US" xlink:label="lab_san_OffShoreEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to subsidiaries resident in off-shore territories.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OffShoreEntitiesMember" xlink:href="san-20251231.xsd#san_OffShoreEntitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OffShoreEntitiesMember" xlink:to="lab_san_OffShoreEntitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonCurrentAssetsHeldForSaleValuationAllowanceCharges_019ca0fb-cad3-7738-9fe8-9c75c83d9e61_negatedLabel_en-US" xlink:label="lab_san_NonCurrentAssetsHeldForSaleValuationAllowanceCharges" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Impairment (Note 12)</link:label>
    <link:label id="lab_san_NonCurrentAssetsHeldForSaleValuationAllowanceCharges_label_en-US" xlink:label="lab_san_NonCurrentAssetsHeldForSaleValuationAllowanceCharges" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Current Assets Held For Sale, Valuation Allowance Charges</link:label>
    <link:label id="lab_san_NonCurrentAssetsHeldForSaleValuationAllowanceCharges_documentation_en-US" xlink:label="lab_san_NonCurrentAssetsHeldForSaleValuationAllowanceCharges" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Charges for the period against the valuation allowance for non-current assets held for sale.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonCurrentAssetsHeldForSaleValuationAllowanceCharges" xlink:href="san-20251231.xsd#san_NonCurrentAssetsHeldForSaleValuationAllowanceCharges"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonCurrentAssetsHeldForSaleValuationAllowanceCharges" xlink:to="lab_san_NonCurrentAssetsHeldForSaleValuationAllowanceCharges" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughExtraordinaryProvisions_019ca0fb-cad3-7b6e-95bf-9879c221cffa_totalLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughExtraordinaryProvisions" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Provisions or reversion of provisions</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughExtraordinaryProvisions_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughExtraordinaryProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Extraordinary Provisions</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughExtraordinaryProvisions_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughExtraordinaryProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Extraordinary provisions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughExtraordinaryProvisions" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughExtraordinaryProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughExtraordinaryProvisions" xlink:to="lab_san_IncreaseDecreaseThroughExtraordinaryProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax_019ca0fb-ca4e-7a97-8cce-5212e3f3f0ef_terseLabel_en-US" xlink:label="lab_san_OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other valuation adjustments</link:label>
    <link:label id="lab_san_OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax_label_en-US" xlink:label="lab_san_OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Valuation Adjustments, Not Reclassified To Profit Or Loss, Net Of Tax</link:label>
    <link:label id="lab_san_OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax_documentation_en-US" xlink:label="lab_san_OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Valuation Adjustments, Not Reclassified To Profit Or Loss, Net Of Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax" xlink:href="san-20251231.xsd#san_OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax" xlink:to="lab_san_OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments_019ca0fb-cbee-7461-8fdd-a4ecfce1d70b_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains or losses resulting from the accounting for hedges of equity instruments measured at fair value through other comprehensive income, net</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other comprehensive income, net of tax, gains (losses) on hedging instruments that hedge investments in equity instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CorporateCenterMember_019ca0fb-cb6b-7e88-b249-dde8e5558eea_terseLabel_en-US" xlink:label="lab_san_CorporateCenterMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Corporate Centre</link:label>
    <link:label id="lab_san_CorporateCenterMember_label_en-US" xlink:label="lab_san_CorporateCenterMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Corporate Center [Member]</link:label>
    <link:label id="lab_san_CorporateCenterMember_documentation_en-US" xlink:label="lab_san_CorporateCenterMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents Corporate center.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CorporateCenterMember" xlink:href="san-20251231.xsd#san_CorporateCenterMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CorporateCenterMember" xlink:to="lab_san_CorporateCenterMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TypesOfAssetsDomain_019ca0fb-c9cd-7fc1-9cbc-ec9e76481721_terseLabel_en-US" xlink:label="lab_san_TypesOfAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Types of Assets [Domain]</link:label>
    <link:label id="lab_san_TypesOfAssetsDomain_label_en-US" xlink:label="lab_san_TypesOfAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Types Of Assets [Domain]</link:label>
    <link:label id="lab_san_TypesOfAssetsDomain_documentation_en-US" xlink:label="lab_san_TypesOfAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for aggregated types of assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TypesOfAssetsDomain" xlink:href="san-20251231.xsd#san_TypesOfAssetsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TypesOfAssetsDomain" xlink:to="lab_san_TypesOfAssetsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseInNonPerformingCoverageRatioPercent_019ca0fb-cbee-7d85-9acc-69e449236bf4_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseInNonPerformingCoverageRatioPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) in nonperforming coverage ratio</link:label>
    <link:label id="lab_san_IncreaseDecreaseInNonPerformingCoverageRatioPercent_label_en-US" xlink:label="lab_san_IncreaseDecreaseInNonPerformingCoverageRatioPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Non-Performing Coverage Ratio, Percent</link:label>
    <link:label id="lab_san_IncreaseDecreaseInNonPerformingCoverageRatioPercent_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseInNonPerformingCoverageRatioPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Non-Performing Coverage Ratio, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseInNonPerformingCoverageRatioPercent" xlink:href="san-20251231.xsd#san_IncreaseDecreaseInNonPerformingCoverageRatioPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseInNonPerformingCoverageRatioPercent" xlink:to="lab_san_IncreaseDecreaseInNonPerformingCoverageRatioPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis_019ca0fb-cc70-7524-97b9-e34fed42b64e_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of intangible assets other than goodwill [axis]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis_label_en-US" xlink:label="lab_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of intangible assets other than goodwill [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis" xlink:to="lab_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DecreaseInNonPerformingLoansRatio_019ca0fb-c9cd-7d9b-9239-f9f6a9dd8968_terseLabel_en-US" xlink:label="lab_san_DecreaseInNonPerformingLoansRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage decrease in non-performing loans ratio</link:label>
    <link:label id="lab_san_DecreaseInNonPerformingLoansRatio_label_en-US" xlink:label="lab_san_DecreaseInNonPerformingLoansRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease In Non-Performing Loans Ratio</link:label>
    <link:label id="lab_san_DecreaseInNonPerformingLoansRatio_documentation_en-US" xlink:label="lab_san_DecreaseInNonPerformingLoansRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The decrease during the period in the nonperforming loans ratio, as a percent.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DecreaseInNonPerformingLoansRatio" xlink:href="san-20251231.xsd#san_DecreaseInNonPerformingLoansRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DecreaseInNonPerformingLoansRatio" xlink:to="lab_san_DecreaseInNonPerformingLoansRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderVidaSegurosYReasegurosMember_019ca0fb-cad2-7087-8ee0-8c25a49ee7bb_terseLabel_en-US" xlink:label="lab_san_SantanderVidaSegurosYReasegurosMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Vida Seguros y Reaseguros, S.A.</link:label>
    <link:label id="lab_san_SantanderVidaSegurosYReasegurosMember_label_en-US" xlink:label="lab_san_SantanderVidaSegurosYReasegurosMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Vida Seguros Y Reaseguros [Member]</link:label>
    <link:label id="lab_san_SantanderVidaSegurosYReasegurosMember_documentation_en-US" xlink:label="lab_san_SantanderVidaSegurosYReasegurosMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Vida Seguros Y Reaseguros</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderVidaSegurosYReasegurosMember" xlink:href="san-20251231.xsd#san_SantanderVidaSegurosYReasegurosMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderVidaSegurosYReasegurosMember" xlink:to="lab_san_SantanderVidaSegurosYReasegurosMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfInsuranceContractsExplanatory_019ca0fb-ca4d-72d3-a982-5b3ef56ac1fa_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfInsuranceContractsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities under insurance contracts</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfInsuranceContractsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfInsuranceContractsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of insurance contracts [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfInsuranceContractsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfInsuranceContractsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfInsuranceContractsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfInsuranceContractsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DiscontinuedOperationsConsolidatedBalanceSheetTableTextBlock_019ca0fb-c9cd-7e62-8719-3731908f33a6_terseLabel_en-US" xlink:label="lab_san_DiscontinuedOperationsConsolidatedBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discontinued operations, consolidated balance sheet</link:label>
    <link:label id="lab_san_DiscontinuedOperationsConsolidatedBalanceSheetTableTextBlock_label_en-US" xlink:label="lab_san_DiscontinuedOperationsConsolidatedBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Discontinued Operations, Consolidated Balance Sheet [Table Text Block]</link:label>
    <link:label id="lab_san_DiscontinuedOperationsConsolidatedBalanceSheetTableTextBlock_documentation_en-US" xlink:label="lab_san_DiscontinuedOperationsConsolidatedBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Discontinued Operations, Consolidated Balance Sheet</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DiscontinuedOperationsConsolidatedBalanceSheetTableTextBlock" xlink:href="san-20251231.xsd#san_DiscontinuedOperationsConsolidatedBalanceSheetTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DiscontinuedOperationsConsolidatedBalanceSheetTableTextBlock" xlink:to="lab_san_DiscontinuedOperationsConsolidatedBalanceSheetTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SharePremium_019ca0fb-c9cd-716b-a828-0b3aaac1c615_terseLabel_en-US" xlink:label="lab_ifrs-full_SharePremium" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SHARE PREMIUM</link:label>
    <link:label id="lab_ifrs-full_SharePremium_019ca0fb-c9cd-7aa8-a233-33d1777d3eac_netLabel_en-US" xlink:label="lab_ifrs-full_SharePremium" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Share premium account</link:label>
    <link:label id="lab_ifrs-full_SharePremium_019ca0fb-c9cd-7adb-944d-c9f11c1c73d6_verboseLabel_en-US" xlink:label="lab_ifrs-full_SharePremium" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Share Premium</link:label>
    <link:label id="lab_ifrs-full_SharePremium_label_en-US" xlink:label="lab_ifrs-full_SharePremium" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share premium</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SharePremium" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SharePremium"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SharePremium" xlink:to="lab_ifrs-full_SharePremium" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract_019ca0fb-cc70-7930-bc9c-9bb03114074a_terseLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">3. Cash flows from financing activities</link:label>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract_label_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash flows from (used in) financing activities [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:to="lab_ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ChargeToParticipants_019ca0fb-c94e-7157-883e-61397069b81b_terseLabel_en-US" xlink:label="lab_san_ChargeToParticipants" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Charge to the participants</link:label>
    <link:label id="lab_san_ChargeToParticipants_label_en-US" xlink:label="lab_san_ChargeToParticipants" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Charge To The Participants</link:label>
    <link:label id="lab_san_ChargeToParticipants_documentation_en-US" xlink:label="lab_san_ChargeToParticipants" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Charge to the participants.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ChargeToParticipants" xlink:href="san-20251231.xsd#san_ChargeToParticipants"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ChargeToParticipants" xlink:to="lab_san_ChargeToParticipants" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CorporateLoansToLargeCompaniesMember_019ca0fb-cbee-7708-bfa5-2343f176d28c_terseLabel_en-US" xlink:label="lab_san_CorporateLoansToLargeCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Large companies</link:label>
    <link:label id="lab_san_CorporateLoansToLargeCompaniesMember_label_en-US" xlink:label="lab_san_CorporateLoansToLargeCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Corporate Loans To Large Companies [Member]</link:label>
    <link:label id="lab_san_CorporateLoansToLargeCompaniesMember_documentation_en-US" xlink:label="lab_san_CorporateLoansToLargeCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for loans made to large companies.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CorporateLoansToLargeCompaniesMember" xlink:href="san-20251231.xsd#san_CorporateLoansToLargeCompaniesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CorporateLoansToLargeCompaniesMember" xlink:to="lab_san_CorporateLoansToLargeCompaniesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfParentFinancialStatementsAndPreferenceSharesAndPreferredSecuritiesTextBlock_019ca0fb-ca4e-7a7d-bd94-c87022275a12_terseLabel_en-US" xlink:label="lab_san_DisclosureOfParentFinancialStatementsAndPreferenceSharesAndPreferredSecuritiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additional disclosures</link:label>
    <link:label id="lab_san_DisclosureOfParentFinancialStatementsAndPreferenceSharesAndPreferredSecuritiesTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfParentFinancialStatementsAndPreferenceSharesAndPreferredSecuritiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Parent Financial Statements And Preference Shares And Preferred Securities [text block]</link:label>
    <link:label id="lab_san_DisclosureOfParentFinancialStatementsAndPreferenceSharesAndPreferredSecuritiesTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfParentFinancialStatementsAndPreferenceSharesAndPreferredSecuritiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The entire disclosure for parent financial statements, preference shares and preferred securities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfParentFinancialStatementsAndPreferenceSharesAndPreferredSecuritiesTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfParentFinancialStatementsAndPreferenceSharesAndPreferredSecuritiesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfParentFinancialStatementsAndPreferenceSharesAndPreferredSecuritiesTextBlock" xlink:to="lab_san_DisclosureOfParentFinancialStatementsAndPreferenceSharesAndPreferredSecuritiesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProvisionsForEmployeeBenefitsAndOthersDomain_019ca0fb-cc70-7e7b-b20d-946143b6716e_terseLabel_en-US" xlink:label="lab_san_ProvisionsForEmployeeBenefitsAndOthersDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions For Employee Benefits And Others [Domain]</link:label>
    <link:label id="lab_san_ProvisionsForEmployeeBenefitsAndOthersDomain_label_en-US" xlink:label="lab_san_ProvisionsForEmployeeBenefitsAndOthersDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provisions For Employee Benefits And Others [Domain]</link:label>
    <link:label id="lab_san_ProvisionsForEmployeeBenefitsAndOthersDomain_documentation_en-US" xlink:label="lab_san_ProvisionsForEmployeeBenefitsAndOthersDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for provisions for employee benefits and other provisions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProvisionsForEmployeeBenefitsAndOthersDomain" xlink:href="san-20251231.xsd#san_ProvisionsForEmployeeBenefitsAndOthersDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProvisionsForEmployeeBenefitsAndOthersDomain" xlink:to="lab_san_ProvisionsForEmployeeBenefitsAndOthersDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TotalEncumberedAssetsCarryingValue_019ca0fb-cb6b-7ca4-8165-fd06089fee39_terseLabel_en-US" xlink:label="lab_san_TotalEncumberedAssetsCarryingValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total assets encumbered</link:label>
    <link:label id="lab_san_TotalEncumberedAssetsCarryingValue_label_en-US" xlink:label="lab_san_TotalEncumberedAssetsCarryingValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total Encumbered Assets, Carrying Value</link:label>
    <link:label id="lab_san_TotalEncumberedAssetsCarryingValue_documentation_en-US" xlink:label="lab_san_TotalEncumberedAssetsCarryingValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of total assets encumbered in funding transactions under EBA standards (total assets plus collateral received).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TotalEncumberedAssetsCarryingValue" xlink:href="san-20251231.xsd#san_TotalEncumberedAssetsCarryingValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TotalEncumberedAssetsCarryingValue" xlink:to="lab_san_TotalEncumberedAssetsCarryingValue" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NoRatingMember_019ca0fb-ca4e-7527-a095-5c5f59a40bc0_terseLabel_en-US" xlink:label="lab_san_NoRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">No Rating</link:label>
    <link:label id="lab_san_NoRatingMember_label_en-US" xlink:label="lab_san_NoRatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">No Rating [Member]</link:label>
    <link:label id="lab_san_NoRatingMember_documentation_en-US" xlink:label="lab_san_NoRatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">No Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NoRatingMember" xlink:href="san-20251231.xsd#san_NoRatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NoRatingMember" xlink:to="lab_san_NoRatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfDepositsTable_019ca0fb-c9cd-7fe0-9205-4d1d24a1adcb_terseLabel_en-US" xlink:label="lab_san_DisclosureOfDepositsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits [Table]</link:label>
    <link:label id="lab_san_DisclosureOfDepositsTable_label_en-US" xlink:label="lab_san_DisclosureOfDepositsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Deposits [Table]</link:label>
    <link:label id="lab_san_DisclosureOfDepositsTable_documentation_en-US" xlink:label="lab_san_DisclosureOfDepositsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deposits [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfDepositsTable" xlink:href="san-20251231.xsd#san_DisclosureOfDepositsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfDepositsTable" xlink:to="lab_san_DisclosureOfDepositsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfMaturitiesOfFinancialAssetsLiabilitiesAndMemorandumItemsRecognisedAtOtherThanAmortisedCostTableTextBlock_019ca0fb-cad3-7529-a0d8-d735df6662cc_terseLabel_en-US" xlink:label="lab_san_ScheduleOfMaturitiesOfFinancialAssetsLiabilitiesAndMemorandumItemsRecognisedAtOtherThanAmortisedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of remainder of financial assets, liabilities and memorandum item by maturity</link:label>
    <link:label id="lab_san_ScheduleOfMaturitiesOfFinancialAssetsLiabilitiesAndMemorandumItemsRecognisedAtOtherThanAmortisedCostTableTextBlock_label_en-US" xlink:label="lab_san_ScheduleOfMaturitiesOfFinancialAssetsLiabilitiesAndMemorandumItemsRecognisedAtOtherThanAmortisedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Maturities Of Financial Assets Liabilities And Memorandum Items Recognised At Other Than Amortised Cost [Table Text Block]</link:label>
    <link:label id="lab_san_ScheduleOfMaturitiesOfFinancialAssetsLiabilitiesAndMemorandumItemsRecognisedAtOtherThanAmortisedCostTableTextBlock_documentation_en-US" xlink:label="lab_san_ScheduleOfMaturitiesOfFinancialAssetsLiabilitiesAndMemorandumItemsRecognisedAtOtherThanAmortisedCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of maturities of financial assets, liabilities and memorandum items that are recognised at other than amortized cost.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfMaturitiesOfFinancialAssetsLiabilitiesAndMemorandumItemsRecognisedAtOtherThanAmortisedCostTableTextBlock" xlink:href="san-20251231.xsd#san_ScheduleOfMaturitiesOfFinancialAssetsLiabilitiesAndMemorandumItemsRecognisedAtOtherThanAmortisedCostTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfMaturitiesOfFinancialAssetsLiabilitiesAndMemorandumItemsRecognisedAtOtherThanAmortisedCostTableTextBlock" xlink:to="lab_san_ScheduleOfMaturitiesOfFinancialAssetsLiabilitiesAndMemorandumItemsRecognisedAtOtherThanAmortisedCostTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ComprehensiveIncome_019ca0fb-c94e-732f-82d5-3329d9f05316_totalLabel_en-US" xlink:label="lab_ifrs-full_ComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total recognised income and expenses for the year</link:label>
    <link:label id="lab_ifrs-full_ComprehensiveIncome_019ca0fb-c94e-7b6f-9346-3fa9c0c44fb8_terseLabel_en-US" xlink:label="lab_ifrs-full_ComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total recognised income and expense</link:label>
    <link:label id="lab_ifrs-full_ComprehensiveIncome_019ca0fb-c94e-7791-8276-0aa8944f5668_verboseLabel_en-US" xlink:label="lab_ifrs-full_ComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_ComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_ComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ComprehensiveIncome" xlink:to="lab_ifrs-full_ComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskLineItems_019ca0fb-cbee-710d-b948-544a3dae471a_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of maturity analysis for financial assets held for managing liquidity risk [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of maturity analysis for financial assets held for managing liquidity risk [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskLineItems" xlink:to="lab_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations_019ca0fb-cb6b-722f-96f0-aa73d2816479_terseLabel_en-US" xlink:label="lab_ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Diluted earnings (loss) per share from continuing operations (in euro per share)</link:label>
    <link:label id="lab_ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations_label_en-US" xlink:label="lab_ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Diluted earnings (loss) per share from continuing operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations" xlink:to="lab_ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SecuritiesAndInterestRateFuturesMember_019ca0fb-cb6b-7d67-bcbc-409ec1c9b7d3_terseLabel_en-US" xlink:label="lab_san_SecuritiesAndInterestRateFuturesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities and interest rate futures</link:label>
    <link:label id="lab_san_SecuritiesAndInterestRateFuturesMember_label_en-US" xlink:label="lab_san_SecuritiesAndInterestRateFuturesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Securities And Interest Rate Futures [Member]</link:label>
    <link:label id="lab_san_SecuritiesAndInterestRateFuturesMember_documentation_en-US" xlink:label="lab_san_SecuritiesAndInterestRateFuturesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Securities And Interest Rate Futures [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SecuritiesAndInterestRateFuturesMember" xlink:href="san-20251231.xsd#san_SecuritiesAndInterestRateFuturesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SecuritiesAndInterestRateFuturesMember" xlink:to="lab_san_SecuritiesAndInterestRateFuturesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInShareOptions_019ca0fb-ca4e-7a77-b709-92e2c9a4a031_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInShareOptions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred payment, percentage paid in share options</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInShareOptions_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInShareOptions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Percentage Paid In Share Options</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInShareOptions_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInShareOptions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Percentage Paid In Share Options</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentPercentagePaidInShareOptions" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentPercentagePaidInShareOptions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentPercentagePaidInShareOptions" xlink:to="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInShareOptions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetExplanatory_019ca0fb-ca4e-7b43-91b5-9f98a11b723d_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of funding status of the defined benefit obligations</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of net defined benefit liability (asset) [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetExplanatory" xlink:to="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InflationRiskMember_019ca0fb-cbee-7587-b1d8-6b79f84117e9_terseLabel_en-US" xlink:label="lab_san_InflationRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Inflation risk</link:label>
    <link:label id="lab_san_InflationRiskMember_label_en-US" xlink:label="lab_san_InflationRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Inflation Risk [Member]</link:label>
    <link:label id="lab_san_InflationRiskMember_documentation_en-US" xlink:label="lab_san_InflationRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to inflation risk.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InflationRiskMember" xlink:href="san-20251231.xsd#san_InflationRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InflationRiskMember" xlink:to="lab_san_InflationRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition_019ca0fb-cb6b-777f-add6-c3aff7e3199f_totalLabel_en-US" xlink:label="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net amount of financial liabilities presented in the balance sheet</link:label>
    <link:label id="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition_label_en-US" xlink:label="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements in statement of financial position</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:to="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DerivativeFairValue_019ca0fb-cb6b-7033-be95-9f5f100a967c_terseLabel_en-US" xlink:label="lab_san_DerivativeFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Market value</link:label>
    <link:label id="lab_san_DerivativeFairValue_label_en-US" xlink:label="lab_san_DerivativeFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Fair Value</link:label>
    <link:label id="lab_san_DerivativeFairValue_documentation_en-US" xlink:label="lab_san_DerivativeFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Derivative fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DerivativeFairValue" xlink:href="san-20251231.xsd#san_DerivativeFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DerivativeFairValue" xlink:to="lab_san_DerivativeFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SeniorExecutivesMember_019ca0fb-cad3-7d4c-9733-5d285e94bb2d_terseLabel_en-US" xlink:label="lab_san_SeniorExecutivesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Senior executives</link:label>
    <link:label id="lab_san_SeniorExecutivesMember_label_en-US" xlink:label="lab_san_SeniorExecutivesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Senior Executives [Member]</link:label>
    <link:label id="lab_san_SeniorExecutivesMember_documentation_en-US" xlink:label="lab_san_SeniorExecutivesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents senior executives. Excludes other executives.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SeniorExecutivesMember" xlink:href="san-20251231.xsd#san_SeniorExecutivesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SeniorExecutivesMember" xlink:to="lab_san_SeniorExecutivesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DebtInstrumentsIssuedByPrivateSectorMember_019ca0fb-cc70-7844-ab9f-16c48d0c779b_terseLabel_en-US" xlink:label="lab_san_DebtInstrumentsIssuedByPrivateSectorMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issued by Private-sector</link:label>
    <link:label id="lab_san_DebtInstrumentsIssuedByPrivateSectorMember_label_en-US" xlink:label="lab_san_DebtInstrumentsIssuedByPrivateSectorMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instruments Issued By Private Sector [Member]</link:label>
    <link:label id="lab_san_DebtInstrumentsIssuedByPrivateSectorMember_documentation_en-US" xlink:label="lab_san_DebtInstrumentsIssuedByPrivateSectorMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for instruments issued by private sector companies held by the entity that represent indebtedness.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DebtInstrumentsIssuedByPrivateSectorMember" xlink:href="san-20251231.xsd#san_DebtInstrumentsIssuedByPrivateSectorMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DebtInstrumentsIssuedByPrivateSectorMember" xlink:to="lab_san_DebtInstrumentsIssuedByPrivateSectorMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems_019ca0fb-cbee-78ae-9be1-dd818a01dc33_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems" xlink:to="lab_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForeignCurrencyOptionsMember_019ca0fb-cb6b-75fe-b464-a6b37dd9fdbf_terseLabel_en-US" xlink:label="lab_san_ForeignCurrencyOptionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreign currency options</link:label>
    <link:label id="lab_san_ForeignCurrencyOptionsMember_label_en-US" xlink:label="lab_san_ForeignCurrencyOptionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign Currency Options [Member]</link:label>
    <link:label id="lab_san_ForeignCurrencyOptionsMember_documentation_en-US" xlink:label="lab_san_ForeignCurrencyOptionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for foreign currency options.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForeignCurrencyOptionsMember" xlink:href="san-20251231.xsd#san_ForeignCurrencyOptionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForeignCurrencyOptionsMember" xlink:to="lab_san_ForeignCurrencyOptionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DigitalTransformationAward2021Member_019ca0fb-cad3-78f6-bcda-c1cc7b99d0de_terseLabel_en-US" xlink:label="lab_san_DigitalTransformationAward2021Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2021</link:label>
    <link:label id="lab_san_DigitalTransformationAward2021Member_label_en-US" xlink:label="lab_san_DigitalTransformationAward2021Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2021 [Member]</link:label>
    <link:label id="lab_san_DigitalTransformationAward2021Member_documentation_en-US" xlink:label="lab_san_DigitalTransformationAward2021Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2021</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DigitalTransformationAward2021Member" xlink:href="san-20251231.xsd#san_DigitalTransformationAward2021Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DigitalTransformationAward2021Member" xlink:to="lab_san_DigitalTransformationAward2021Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionLineItems_019ca0fb-ca4e-70e2-88bc-47cc0ac1386a_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of transferred financial assets that are not derecognised in their entirety [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of transferred financial assets that are not derecognised in their entirety [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionLineItems" xlink:to="lab_ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MerlinPropertiesSocimiSAMember_019ca0fb-c94e-7fad-841c-e2cfb670382e_terseLabel_en-US" xlink:label="lab_san_MerlinPropertiesSocimiSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Merlin Properties, SOCIMI, S.A.</link:label>
    <link:label id="lab_san_MerlinPropertiesSocimiSAMember_label_en-US" xlink:label="lab_san_MerlinPropertiesSocimiSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Merlin Properties Socimi S.A. [Member]</link:label>
    <link:label id="lab_san_MerlinPropertiesSocimiSAMember_documentation_en-US" xlink:label="lab_san_MerlinPropertiesSocimiSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Merlin Properties, SOCIMI, S.A. [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MerlinPropertiesSocimiSAMember" xlink:href="san-20251231.xsd#san_MerlinPropertiesSocimiSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MerlinPropertiesSocimiSAMember" xlink:to="lab_san_MerlinPropertiesSocimiSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CMS10InterestRateMember_019ca0fb-c94e-7dd7-a368-5ec9a4ba03d2_terseLabel_en-US" xlink:label="lab_san_CMS10InterestRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CMS10</link:label>
    <link:label id="lab_san_CMS10InterestRateMember_label_en-US" xlink:label="lab_san_CMS10InterestRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">CMS 10 Interest Rate [Member]</link:label>
    <link:label id="lab_san_CMS10InterestRateMember_documentation_en-US" xlink:label="lab_san_CMS10InterestRateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for CMS 10 Interest rate.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CMS10InterestRateMember" xlink:href="san-20251231.xsd#san_CMS10InterestRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CMS10InterestRateMember" xlink:to="lab_san_CMS10InterestRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BancoSantanderTottaSAMember_019ca0fb-c94e-7fb8-825f-635ef8a60409_terseLabel_en-US" xlink:label="lab_san_BancoSantanderTottaSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Santander Totta, S.A.</link:label>
    <link:label id="lab_san_BancoSantanderTottaSAMember_label_en-US" xlink:label="lab_san_BancoSantanderTottaSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banco Santander Totta, S.A. [Member]</link:label>
    <link:label id="lab_san_BancoSantanderTottaSAMember_documentation_en-US" xlink:label="lab_san_BancoSantanderTottaSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Banco Santander Totta SA., a subsidiary of the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BancoSantanderTottaSAMember" xlink:href="san-20251231.xsd#san_BancoSantanderTottaSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BancoSantanderTottaSAMember" xlink:to="lab_san_BancoSantanderTottaSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherFinancialLiabilities_019ca0fb-cad3-7378-a556-41d4988cf913_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherFinancialLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Other financial liabilities, total</link:label>
    <link:label id="lab_ifrs-full_OtherFinancialLiabilities_019ca0fb-cad3-78a8-bb7e-2f46820d6e09_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherFinancialLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other financial liabilities</link:label>
    <link:label id="lab_ifrs-full_OtherFinancialLiabilities_label_en-US" xlink:label="lab_ifrs-full_OtherFinancialLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other financial liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherFinancialLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherFinancialLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherFinancialLiabilities" xlink:to="lab_ifrs-full_OtherFinancialLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForIncomeTaxExplanatory_019ca0fb-c9cd-7e48-9e5e-782aca0bf111_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForIncomeTaxExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income tax</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForIncomeTaxExplanatory_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForIncomeTaxExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description of accounting policy for income tax [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfAccountingPolicyForIncomeTaxExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfAccountingPolicyForIncomeTaxExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfAccountingPolicyForIncomeTaxExplanatory" xlink:to="lab_ifrs-full_DescriptionOfAccountingPolicyForIncomeTaxExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MacroCashFlowsHedgeHedgedPosition_019ca0fb-ca4e-7ebe-9f53-90581a0990e1_terseLabel_en-US" xlink:label="lab_san_MacroCashFlowsHedgeHedgedPosition" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Macro cash flows hedge, position</link:label>
    <link:label id="lab_san_MacroCashFlowsHedgeHedgedPosition_label_en-US" xlink:label="lab_san_MacroCashFlowsHedgeHedgedPosition" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Macro Cash Flows Hedge, Hedged Position</link:label>
    <link:label id="lab_san_MacroCashFlowsHedgeHedgedPosition_documentation_en-US" xlink:label="lab_san_MacroCashFlowsHedgeHedgedPosition" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Macro Cash Flows Hedge, Hedged Position</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MacroCashFlowsHedgeHedgedPosition" xlink:href="san-20251231.xsd#san_MacroCashFlowsHedgeHedgedPosition"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MacroCashFlowsHedgeHedgedPosition" xlink:to="lab_san_MacroCashFlowsHedgeHedgedPosition" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ParentCompanyMember_019ca0fb-cb6b-7a85-837a-e086e59a32b3_terseLabel_en-US" xlink:label="lab_srt_ParentCompanyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Santander, S.A.</link:label>
    <link:label id="lab_srt_ParentCompanyMember_label_en-US" xlink:label="lab_srt_ParentCompanyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Parent Company [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ParentCompanyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ParentCompanyMember" xlink:to="lab_srt_ParentCompanyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EligibleCapitalDeductions_019ca0fb-cad3-7bc8-9c77-9e2f1a4e1c4e_negatedTotalLabel_en-US" xlink:label="lab_san_EligibleCapitalDeductions" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Deductions</link:label>
    <link:label id="lab_san_EligibleCapitalDeductions_label_en-US" xlink:label="lab_san_EligibleCapitalDeductions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Eligible Capital, Deductions</link:label>
    <link:label id="lab_san_EligibleCapitalDeductions_documentation_en-US" xlink:label="lab_san_EligibleCapitalDeductions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of adjustments to equity required for computation of Common Equity Tier I (CET I) equity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EligibleCapitalDeductions" xlink:href="san-20251231.xsd#san_EligibleCapitalDeductions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EligibleCapitalDeductions" xlink:to="lab_san_EligibleCapitalDeductions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsOnLitigationSettlements_019ca0fb-c94e-7846-affd-d4433a80c3dc_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsOnLitigationSettlements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains on litigation settlements</link:label>
    <link:label id="lab_ifrs-full_GainsOnLitigationSettlements_label_en-US" xlink:label="lab_ifrs-full_GainsOnLitigationSettlements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains on litigation settlements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsOnLitigationSettlements" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainsOnLitigationSettlements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsOnLitigationSettlements" xlink:to="lab_ifrs-full_GainsOnLitigationSettlements" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EstimatedCollateralHeldValue_019ca0fb-cbee-7efb-9980-2d44df1cfd04_terseLabel_en-US" xlink:label="lab_san_EstimatedCollateralHeldValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Estimated collateral value</link:label>
    <link:label id="lab_san_EstimatedCollateralHeldValue_label_en-US" xlink:label="lab_san_EstimatedCollateralHeldValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimated Collateral Held Value</link:label>
    <link:label id="lab_san_EstimatedCollateralHeldValue_documentation_en-US" xlink:label="lab_san_EstimatedCollateralHeldValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Estimated value of collaterals held which are associated with loan receivables.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EstimatedCollateralHeldValue" xlink:href="san-20251231.xsd#san_EstimatedCollateralHeldValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EstimatedCollateralHeldValue" xlink:to="lab_san_EstimatedCollateralHeldValue" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncomeFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss_019ca0fb-ca4e-726b-acdf-53d4f2a0fcdc_terseLabel_en-US" xlink:label="lab_san_IncomeFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income from insurance and reinsurance contracts</link:label>
    <link:label id="lab_san_IncomeFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss_label_en-US" xlink:label="lab_san_IncomeFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income From Insurance And Reinsurance Contracts Recognised In Profit Or Loss</link:label>
    <link:label id="lab_san_IncomeFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss_documentation_en-US" xlink:label="lab_san_IncomeFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of income from assets included in profit or loss under insurance contracts and reinsurance contracts issued.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncomeFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss" xlink:href="san-20251231.xsd#san_IncomeFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncomeFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss" xlink:to="lab_san_IncomeFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LeadDirectorMember_019ca0fb-ca4e-7e6d-8920-afd371431787_terseLabel_en-US" xlink:label="lab_san_LeadDirectorMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lead independent director</link:label>
    <link:label id="lab_san_LeadDirectorMember_label_en-US" xlink:label="lab_san_LeadDirectorMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lead Director [Member]</link:label>
    <link:label id="lab_san_LeadDirectorMember_documentation_en-US" xlink:label="lab_san_LeadDirectorMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the person serving as the coordinating director of the board of directors.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LeadDirectorMember" xlink:href="san-20251231.xsd#san_LeadDirectorMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LeadDirectorMember" xlink:to="lab_san_LeadDirectorMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiability_019ca0fb-c94e-7524-9a5a-87d33a9ee49e_negatedLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiability" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Acquisition for the year (net)</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiability_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Business Combinations Deferred Tax Liability</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiability_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiability" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) in deferred tax liability resulting from business combinations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiability" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiability" xlink:to="lab_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares_019ca0fb-ca4e-79bc-810f-38ddc223d4ff_terseLabel_en-US" xlink:label="lab_san_DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dilutive effect of options/rights on shares (in shares)</link:label>
    <link:label id="lab_san_DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares_label_en-US" xlink:label="lab_san_DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dilutive Effect Of Share Options And Share Rights On Number Of Ordinary Shares</link:label>
    <link:label id="lab_san_DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares_documentation_en-US" xlink:label="lab_san_DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of dilutive potential ordinary shares that relate to the assumed exercise of the entity's share options and the effect of share rights.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares" xlink:href="san-20251231.xsd#san_DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares" xlink:to="lab_san_DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GainsLossesOnDisposalOfSubsidiaries_019ca0fb-c94e-73f0-929a-a1a45b63913a_terseLabel_en-US" xlink:label="lab_san_GainsLossesOnDisposalOfSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains (losses) on disposal of subsidiaries</link:label>
    <link:label id="lab_san_GainsLossesOnDisposalOfSubsidiaries_label_en-US" xlink:label="lab_san_GainsLossesOnDisposalOfSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (Losses) On Disposal Of Subsidiaries</link:label>
    <link:label id="lab_san_GainsLossesOnDisposalOfSubsidiaries_documentation_en-US" xlink:label="lab_san_GainsLossesOnDisposalOfSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Gains (Losses) On Disposal Of Subsidiaries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GainsLossesOnDisposalOfSubsidiaries" xlink:href="san-20251231.xsd#san_GainsLossesOnDisposalOfSubsidiaries"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GainsLossesOnDisposalOfSubsidiaries" xlink:to="lab_san_GainsLossesOnDisposalOfSubsidiaries" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansAndAdvancesToCustomersSecuredPercentage_019ca0fb-ca4e-77bd-8285-12d932819131_terseLabel_en-US" xlink:label="lab_san_LoansAndAdvancesToCustomersSecuredPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of loans secured</link:label>
    <link:label id="lab_san_LoansAndAdvancesToCustomersSecuredPercentage_label_en-US" xlink:label="lab_san_LoansAndAdvancesToCustomersSecuredPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans And Advances To Customers, Secured Percentage</link:label>
    <link:label id="lab_san_LoansAndAdvancesToCustomersSecuredPercentage_documentation_en-US" xlink:label="lab_san_LoansAndAdvancesToCustomersSecuredPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage of loans secured by mortgages or other collateral.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansAndAdvancesToCustomersSecuredPercentage" xlink:href="san-20251231.xsd#san_LoansAndAdvancesToCustomersSecuredPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansAndAdvancesToCustomersSecuredPercentage" xlink:to="lab_san_LoansAndAdvancesToCustomersSecuredPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfBusinessCombinationsAbstract_019ca0fb-cc70-741e-b7b0-b7cb1c5b4e56_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfBusinessCombinationsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about business combination [abstract]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfBusinessCombinationsAbstract_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfBusinessCombinationsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about business combination [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfBusinessCombinationsAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfBusinessCombinationsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfBusinessCombinationsAbstract" xlink:to="lab_ifrs-full_DisclosureOfBusinessCombinationsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageOfTotalProvisions_019ca0fb-cad3-7f17-a0ea-3bbcbab93a2c_terseLabel_en-US" xlink:label="lab_san_PercentageOfTotalProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of total provisions for the most relevant units of the Group</link:label>
    <link:label id="lab_san_PercentageOfTotalProvisions_label_en-US" xlink:label="lab_san_PercentageOfTotalProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Total Provisions</link:label>
    <link:label id="lab_san_PercentageOfTotalProvisions_documentation_en-US" xlink:label="lab_san_PercentageOfTotalProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage Of Total Provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageOfTotalProvisions" xlink:href="san-20251231.xsd#san_PercentageOfTotalProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageOfTotalProvisions" xlink:to="lab_san_PercentageOfTotalProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesMember_019ca0fb-c94e-7767-9685-991d6c2c3372_terseLabel_en-US" xlink:label="lab_san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision For Compensation And Associated Cost In Respect Of PPI Policies</link:label>
    <link:label id="lab_san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesMember_label_en-US" xlink:label="lab_san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provision For Compensation And Associated Cost In Respect Of PPI Policies [Member]</link:label>
    <link:label id="lab_san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesMember_documentation_en-US" xlink:label="lab_san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Provision For Compensation And Associated Cost In Respect Of PPI Policies</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesMember" xlink:href="san-20251231.xsd#san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesMember" xlink:to="lab_san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_019ca0fb-ca4e-79ca-84b2-da5219f28cc9_terseLabel_en-US" xlink:label="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities subject to netting and collateral arrangements on balance sheet</link:label>
    <link:label id="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_label_en-US" xlink:label="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:to="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ForwardContractMember_019ca0fb-c94e-7498-89c1-9999c7b30829_terseLabel_en-US" xlink:label="lab_ifrs-full_ForwardContractMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forward rate agreements</link:label>
    <link:label id="lab_ifrs-full_ForwardContractMember_label_en-US" xlink:label="lab_ifrs-full_ForwardContractMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forward contract [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ForwardContractMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ForwardContractMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ForwardContractMember" xlink:to="lab_ifrs-full_ForwardContractMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfLoansAndAdvancesToCustomersTableTextBlock_019ca0fb-cad3-7f7d-844c-e7f1a5e50c79_terseLabel_en-US" xlink:label="lab_san_DisclosureOfLoansAndAdvancesToCustomersTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of detail, by classification, of loans and advances to customers</link:label>
    <link:label id="lab_san_DisclosureOfLoansAndAdvancesToCustomersTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfLoansAndAdvancesToCustomersTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Loans And Advances To Customers [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfLoansAndAdvancesToCustomersTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfLoansAndAdvancesToCustomersTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of loans and advances to customers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfLoansAndAdvancesToCustomersTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfLoansAndAdvancesToCustomersTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfLoansAndAdvancesToCustomersTableTextBlock" xlink:to="lab_san_DisclosureOfLoansAndAdvancesToCustomersTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedAsStrategicAdviser_019ca0fb-cb6b-7163-aa60-456551163143_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedAsStrategicAdviser" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation received as strategic adviser</link:label>
    <link:label id="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedAsStrategicAdviser_label_en-US" xlink:label="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedAsStrategicAdviser" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Directors Compensation Received As Strategic Adviser</link:label>
    <link:label id="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedAsStrategicAdviser_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedAsStrategicAdviser" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Key Management Personnel Directors Compensation Received As Strategic Adviser</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelDirectorsCompensationReceivedAsStrategicAdviser" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelDirectorsCompensationReceivedAsStrategicAdviser"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelDirectorsCompensationReceivedAsStrategicAdviser" xlink:to="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedAsStrategicAdviser" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfCustomerDepositsTable_019ca0fb-cb6b-7759-a141-9b064e681fcd_terseLabel_en-US" xlink:label="lab_san_DisclosureOfCustomerDepositsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Customer Deposits [Table]</link:label>
    <link:label id="lab_san_DisclosureOfCustomerDepositsTable_label_en-US" xlink:label="lab_san_DisclosureOfCustomerDepositsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Customer Deposits [Table]</link:label>
    <link:label id="lab_san_DisclosureOfCustomerDepositsTable_documentation_en-US" xlink:label="lab_san_DisclosureOfCustomerDepositsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Customer Deposits [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfCustomerDepositsTable" xlink:href="san-20251231.xsd#san_DisclosureOfCustomerDepositsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfCustomerDepositsTable" xlink:to="lab_san_DisclosureOfCustomerDepositsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AdjustmentsForDecreaseIncreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_019ca0fb-cad3-74d7-a52d-b4595ca694ed_negatedLabel_en-US" xlink:label="lab_san_AdjustmentsForDecreaseIncreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Non-trading financial assets mandatorily at fair value through profit or loss</link:label>
    <link:label id="lab_san_AdjustmentsForDecreaseIncreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_label_en-US" xlink:label="lab_san_AdjustmentsForDecreaseIncreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments For Decrease Increase In Non-trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss</link:label>
    <link:label id="lab_san_AdjustmentsForDecreaseIncreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss_documentation_en-US" xlink:label="lab_san_AdjustmentsForDecreaseIncreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Adjustments for decrease (increase) in non-trading financial assets mandatorily at fair value through profit or loss to reconcile profit (loss) to net cash flow from (used in) operating activities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AdjustmentsForDecreaseIncreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:href="san-20251231.xsd#san_AdjustmentsForDecreaseIncreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AdjustmentsForDecreaseIncreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:to="lab_san_AdjustmentsForDecreaseIncreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale_019ca0fb-cad3-72e5-bfe9-2d609b4ebf44_terseLabel_en-US" xlink:label="lab_san_GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tangible and intangible assets</link:label>
    <link:label id="lab_san_GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale_label_en-US" xlink:label="lab_san_GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains On Disposals Of Tangible And Intangible Assets Not Classified As Held For Sale</link:label>
    <link:label id="lab_san_GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale_documentation_en-US" xlink:label="lab_san_GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of gains (losses) on disposals of tangible and intangible assets not classified as held for sale during the period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" xlink:href="san-20251231.xsd#san_GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" xlink:to="lab_san_GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseThroughPensionInterestExpenseProvision_019ca0fb-cbee-7504-9d6b-3914d6d0b198_terseLabel_en-US" xlink:label="lab_san_IncreaseThroughPensionInterestExpenseProvision" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest expense (note 39)</link:label>
    <link:label id="lab_san_IncreaseThroughPensionInterestExpenseProvision_label_en-US" xlink:label="lab_san_IncreaseThroughPensionInterestExpenseProvision" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase Through Pension Interest Expense, Provision</link:label>
    <link:label id="lab_san_IncreaseThroughPensionInterestExpenseProvision_documentation_en-US" xlink:label="lab_san_IncreaseThroughPensionInterestExpenseProvision" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Provision for pension interest expense.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseThroughPensionInterestExpenseProvision" xlink:href="san-20251231.xsd#san_IncreaseThroughPensionInterestExpenseProvision"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseThroughPensionInterestExpenseProvision" xlink:to="lab_san_IncreaseThroughPensionInterestExpenseProvision" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ShorttermBorrowings_019ca0fb-cb6b-77e3-a570-8a5ac23f7bb0_terseLabel_en-US" xlink:label="lab_ifrs-full_ShorttermBorrowings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Short-term debt</link:label>
    <link:label id="lab_ifrs-full_ShorttermBorrowings_label_en-US" xlink:label="lab_ifrs-full_ShorttermBorrowings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current borrowings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ShorttermBorrowings" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ShorttermBorrowings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ShorttermBorrowings" xlink:to="lab_ifrs-full_ShorttermBorrowings" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderConsumerBankAGMember_019ca0fb-cad3-7b68-b513-62689917aa24_terseLabel_en-US" xlink:label="lab_san_SantanderConsumerBankAGMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Consumer Bank AG</link:label>
    <link:label id="lab_san_SantanderConsumerBankAGMember_label_en-US" xlink:label="lab_san_SantanderConsumerBankAGMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Consumer Bank AG [Member]</link:label>
    <link:label id="lab_san_SantanderConsumerBankAGMember_documentation_en-US" xlink:label="lab_san_SantanderConsumerBankAGMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for Santander Consumer Bank AG.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderConsumerBankAGMember" xlink:href="san-20251231.xsd#san_SantanderConsumerBankAGMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderConsumerBankAGMember" xlink:to="lab_san_SantanderConsumerBankAGMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_019ca0fb-cb6b-7302-9b23-e4c315ab8fb3_verboseLabel_en-US" xlink:label="lab_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Debt instruments at fair value with changes in other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_019ca0fb-cb6b-7e5c-bf5b-a0d74f7e4d1b_terseLabel_en-US" xlink:label="lab_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in the fair value of debt instruments measured at fair value with changes in other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_019ca0fb-cb6b-7414-87b6-3b81294cb3d9_totalLabel_en-US" xlink:label="lab_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net revaluation gains/ (losses)</link:label>
    <link:label id="lab_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reserve of gains and losses on financial assets measured at fair value through other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:to="lab_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfOtherProvisionsDomain_019ca0fb-cb6b-70ad-abcc-b5ed2f966b92_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfOtherProvisionsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of other provisions [domain]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfOtherProvisionsDomain_label_en-US" xlink:label="lab_ifrs-full_ClassesOfOtherProvisionsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of other provisions [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfOtherProvisionsDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfOtherProvisionsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfOtherProvisionsDomain" xlink:to="lab_ifrs-full_ClassesOfOtherProvisionsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseDueToChangesInCapitalAndOtherChanges_019ca0fb-ca4e-7dfe-bafb-2dcd2f026488_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseDueToChangesInCapitalAndOtherChanges" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in capital and others concepts</link:label>
    <link:label id="lab_san_IncreaseDecreaseDueToChangesInCapitalAndOtherChanges_label_en-US" xlink:label="lab_san_IncreaseDecreaseDueToChangesInCapitalAndOtherChanges" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Due To Changes In Capital And Other Changes</link:label>
    <link:label id="lab_san_IncreaseDecreaseDueToChangesInCapitalAndOtherChanges_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseDueToChangesInCapitalAndOtherChanges" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) in equity resulting from changes in capital and other changes that the entity does not separately disclose in the same statement or note.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseDueToChangesInCapitalAndOtherChanges" xlink:href="san-20251231.xsd#san_IncreaseDecreaseDueToChangesInCapitalAndOtherChanges"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseDueToChangesInCapitalAndOtherChanges" xlink:to="lab_san_IncreaseDecreaseDueToChangesInCapitalAndOtherChanges" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentRoTEObjectiveWeight_019ca0fb-cb6b-7b6e-8aa5-826f197ce8db_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentRoTEObjectiveWeight" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred payment, ROE objective, weight</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentRoTEObjectiveWeight_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentRoTEObjectiveWeight" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, RoTE Objective, Weight</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentRoTEObjectiveWeight_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentRoTEObjectiveWeight" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, RoTE Objective, Weight</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentRoTEObjectiveWeight" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentRoTEObjectiveWeight"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentRoTEObjectiveWeight" xlink:to="lab_san_VariableRemunerationDeferredPaymentRoTEObjectiveWeight" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AuditCommitteeChairmanMember_019ca0fb-cad3-7e56-b8cd-960600a61fba_terseLabel_en-US" xlink:label="lab_san_AuditCommitteeChairmanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Chair of the audit committee</link:label>
    <link:label id="lab_san_AuditCommitteeChairmanMember_label_en-US" xlink:label="lab_san_AuditCommitteeChairmanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Audit Committee, Chairman [Member]</link:label>
    <link:label id="lab_san_AuditCommitteeChairmanMember_documentation_en-US" xlink:label="lab_san_AuditCommitteeChairmanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the person serving as chairman of the audit committee of the board of directors.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AuditCommitteeChairmanMember" xlink:href="san-20251231.xsd#san_AuditCommitteeChairmanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AuditCommitteeChairmanMember" xlink:to="lab_san_AuditCommitteeChairmanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfExternalCreditExposuresTable_019ca0fb-c9cd-7f11-a926-032180dbf36f_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfExternalCreditExposuresTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of external credit grades [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfExternalCreditExposuresTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfExternalCreditExposuresTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of external credit grades [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfExternalCreditExposuresTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfExternalCreditExposuresTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfExternalCreditExposuresTable" xlink:to="lab_ifrs-full_DisclosureOfExternalCreditExposuresTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ActuarialGainsLossesRecognizedRelatedToDefinedBenefit_019ca0fb-cb6b-728d-8844-1e7536c60c2a_negatedTerseLabel_en-US" xlink:label="lab_san_ActuarialGainsLossesRecognizedRelatedToDefinedBenefit" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Actuarial (gains)/losses recognised in the&#160;year</link:label>
    <link:label id="lab_san_ActuarialGainsLossesRecognizedRelatedToDefinedBenefit_label_en-US" xlink:label="lab_san_ActuarialGainsLossesRecognizedRelatedToDefinedBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Actuarial Gains Losses Recognized Related To Defined Benefit</link:label>
    <link:label id="lab_san_ActuarialGainsLossesRecognizedRelatedToDefinedBenefit_documentation_en-US" xlink:label="lab_san_ActuarialGainsLossesRecognizedRelatedToDefinedBenefit" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Actuarial (gains)/losses recognized in the year related to defined benefits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ActuarialGainsLossesRecognizedRelatedToDefinedBenefit" xlink:href="san-20251231.xsd#san_ActuarialGainsLossesRecognizedRelatedToDefinedBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ActuarialGainsLossesRecognizedRelatedToDefinedBenefit" xlink:to="lab_san_ActuarialGainsLossesRecognizedRelatedToDefinedBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock_019ca0fb-c94e-7ec5-8256-05c9da5ede16_terseLabel_en-US" xlink:label="lab_san_DisclosureOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of impairment loss and allowance for loans and advances to customers</link:label>
    <link:label id="lab_san_DisclosureOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Impairment Loss And Allowance For Loans And Advances To Customers [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of impairment loss and allowance for loans and advances to customers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock" xlink:to="lab_san_DisclosureOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems_019ca0fb-cad3-72e1-b940-06cdf6eb4bf1_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of reconciliation of changes in goodwill [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of reconciliation of changes in goodwill [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems" xlink:to="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CreditAgricoleS.A.Member_019ca0fb-ca4e-7366-b2ea-4b3278d92fdd_terseLabel_en-US" xlink:label="lab_san_CreditAgricoleS.A.Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cr&#233;dit Agricole S.A.</link:label>
    <link:label id="lab_san_CreditAgricoleS.A.Member_label_en-US" xlink:label="lab_san_CreditAgricoleS.A.Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cr&#233;dit Agricole S.A. [Member]</link:label>
    <link:label id="lab_san_CreditAgricoleS.A.Member_documentation_en-US" xlink:label="lab_san_CreditAgricoleS.A.Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cr&#233;dit Agricole S.A.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CreditAgricoleS.A.Member" xlink:href="san-20251231.xsd#san_CreditAgricoleS.A.Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CreditAgricoleS.A.Member" xlink:to="lab_san_CreditAgricoleS.A.Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities_019ca0fb-cad3-7b63-9309-ad4efa04b5b2_terseLabel_en-US" xlink:label="lab_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated liabilities</link:label>
    <link:label id="lab_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities_label_en-US" xlink:label="lab_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from issue of subordinated liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" xlink:to="lab_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TotalFinancialLiabilitiesRemaining_019ca0fb-cad3-7578-ada9-371cc8b960f7_totalLabel_en-US" xlink:label="lab_san_TotalFinancialLiabilitiesRemaining" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">TOTAL FINANCIAL LIABILITIES</link:label>
    <link:label id="lab_san_TotalFinancialLiabilitiesRemaining_label_en-US" xlink:label="lab_san_TotalFinancialLiabilitiesRemaining" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total Financial Liabilities Remaining</link:label>
    <link:label id="lab_san_TotalFinancialLiabilitiesRemaining_documentation_en-US" xlink:label="lab_san_TotalFinancialLiabilitiesRemaining" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of remaining total financial liabilities including financial liabilities held for trading, financial liabilities designated at fair value through profit or loss, hedging derivatives and changes in the fair value of hedged items in portfolio hedges of interest rate risk.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TotalFinancialLiabilitiesRemaining" xlink:href="san-20251231.xsd#san_TotalFinancialLiabilitiesRemaining"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TotalFinancialLiabilitiesRemaining" xlink:to="lab_san_TotalFinancialLiabilitiesRemaining" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ConstantMaturitySwapCMSMember_019ca0fb-c94e-730e-b755-47bedd4b7573_terseLabel_en-US" xlink:label="lab_san_ConstantMaturitySwapCMSMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Constant Maturity Swap (CMS)</link:label>
    <link:label id="lab_san_ConstantMaturitySwapCMSMember_label_en-US" xlink:label="lab_san_ConstantMaturitySwapCMSMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Constant Maturity Swap (CMS) [Member]</link:label>
    <link:label id="lab_san_ConstantMaturitySwapCMSMember_documentation_en-US" xlink:label="lab_san_ConstantMaturitySwapCMSMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Constant Maturity Swap (CMS)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ConstantMaturitySwapCMSMember" xlink:href="san-20251231.xsd#san_ConstantMaturitySwapCMSMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ConstantMaturitySwapCMSMember" xlink:to="lab_san_ConstantMaturitySwapCMSMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TechnologybasedIntangibleAssetsMember_019ca0fb-cad3-7bdb-bf85-bc5bf2d4025c_terseLabel_en-US" xlink:label="lab_ifrs-full_TechnologybasedIntangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">IT developments</link:label>
    <link:label id="lab_ifrs-full_TechnologybasedIntangibleAssetsMember_label_en-US" xlink:label="lab_ifrs-full_TechnologybasedIntangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Technology-based intangible assets [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TechnologybasedIntangibleAssetsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TechnologybasedIntangibleAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TechnologybasedIntangibleAssetsMember" xlink:to="lab_ifrs-full_TechnologybasedIntangibleAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ConstructionInProgressMember_019ca0fb-ca4e-7cca-a7d5-13a99c6856b2_terseLabel_en-US" xlink:label="lab_ifrs-full_ConstructionInProgressMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Construction in progress and other items</link:label>
    <link:label id="lab_ifrs-full_ConstructionInProgressMember_019ca0fb-ca4e-71db-9d25-37e643141e68_verboseLabel_en-US" xlink:label="lab_ifrs-full_ConstructionInProgressMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Construction in progress</link:label>
    <link:label id="lab_ifrs-full_ConstructionInProgressMember_label_en-US" xlink:label="lab_ifrs-full_ConstructionInProgressMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Construction in progress [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ConstructionInProgressMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ConstructionInProgressMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ConstructionInProgressMember" xlink:to="lab_ifrs-full_ConstructionInProgressMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_019ca0fb-ca4e-7ea1-8b21-70de53deea95_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">3 to 12 months</link:label>
    <link:label id="lab_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_019ca0fb-ca4e-7183-9dad-aef141d28840_verboseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Three&#160;months&#160;to one year</link:label>
    <link:label id="lab_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Later than three months and not later than one year [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember" xlink:to="lab_ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AssetsAbstract_019ca0fb-c9cd-7053-be02-39b579905a79_verboseLabel_en-US" xlink:label="lab_ifrs-full_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">ASSETS</link:label>
    <link:label id="lab_ifrs-full_AssetsAbstract_019ca0fb-c9cd-7505-8847-c9a3bf9a057b_terseLabel_en-US" xlink:label="lab_ifrs-full_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets</link:label>
    <link:label id="lab_ifrs-full_AssetsAbstract_019ca0fb-c9cd-71a0-ae4b-a48421248184_netLabel_en-US" xlink:label="lab_ifrs-full_AssetsAbstract" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">FINANCIAL ASSETS</link:label>
    <link:label id="lab_ifrs-full_AssetsAbstract_label_en-US" xlink:label="lab_ifrs-full_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AssetsAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AssetsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AssetsAbstract" xlink:to="lab_ifrs-full_AssetsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LargeExposureMaximumPercentageOfEligibleCapital_019ca0fb-cad3-7393-85e3-d8cfd37162e9_terseLabel_en-US" xlink:label="lab_san_LargeExposureMaximumPercentageOfEligibleCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum percentage of eligible capital allowed under regulation</link:label>
    <link:label id="lab_san_LargeExposureMaximumPercentageOfEligibleCapital_label_en-US" xlink:label="lab_san_LargeExposureMaximumPercentageOfEligibleCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Large Exposure, Maximum Percentage Of Eligible Capital</link:label>
    <link:label id="lab_san_LargeExposureMaximumPercentageOfEligibleCapital_documentation_en-US" xlink:label="lab_san_LargeExposureMaximumPercentageOfEligibleCapital" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The maximum percentage of eligible capital allowed by regulation for a customer or group of connected customers defined as a "Large Exposures" in CRR (Regulation (EU) No 575/2013).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LargeExposureMaximumPercentageOfEligibleCapital" xlink:href="san-20251231.xsd#san_LargeExposureMaximumPercentageOfEligibleCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LargeExposureMaximumPercentageOfEligibleCapital" xlink:to="lab_san_LargeExposureMaximumPercentageOfEligibleCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalMerchantServicesPlatform_019ca0fb-cad3-76ae-a633-1515fa26c837_terseLabel_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalMerchantServicesPlatform" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of geographies with global merchant services platform</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalMerchantServicesPlatform_label_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalMerchantServicesPlatform" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Number Of Geographies With Global Merchant Services Platform</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalMerchantServicesPlatform_documentation_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalMerchantServicesPlatform" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Number Of Geographies With Global Merchant Services Platform</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalMerchantServicesPlatform" xlink:href="san-20251231.xsd#san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalMerchantServicesPlatform"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalMerchantServicesPlatform" xlink:to="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalMerchantServicesPlatform" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency_019ca0fb-cad2-73af-b12c-c2f84e0e4af5_negatedLabel_en-US" xlink:label="lab_san_DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">1 % appreciation of euro, effect on consolidated profit</link:label>
    <link:label id="lab_san_DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency_label_en-US" xlink:label="lab_san_DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease In Consolidated Profit Due To Reasonably Possible Appreciation Of Entity's Functional Currency</link:label>
    <link:label id="lab_san_DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency_documentation_en-US" xlink:label="lab_san_DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The estimated decrease in consolidated profit that would have been caused by an appreciation of entity's functional currency that was reasonably possible at the end of the reporting period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" xlink:href="san-20251231.xsd#san_DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" xlink:to="lab_san_DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities_019ca0fb-ca4e-7047-8e49-34702c546e9e_terseLabel_en-US" xlink:label="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers into Level 3 of fair value hierarchy, liabilities</link:label>
    <link:label id="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities_label_en-US" xlink:label="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfers into Level 3 of fair value hierarchy, liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities" xlink:to="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderHoldingsUSAIncMember_019ca0fb-cad3-7d79-ba7d-2db184630100_terseLabel_en-US" xlink:label="lab_san_SantanderHoldingsUSAIncMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Holdings USA, Inc.</link:label>
    <link:label id="lab_san_SantanderHoldingsUSAIncMember_label_en-US" xlink:label="lab_san_SantanderHoldingsUSAIncMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Holdings USA, Inc. [Member]</link:label>
    <link:label id="lab_san_SantanderHoldingsUSAIncMember_documentation_en-US" xlink:label="lab_san_SantanderHoldingsUSAIncMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Holdings USA, Inc.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderHoldingsUSAIncMember" xlink:href="san-20251231.xsd#san_SantanderHoldingsUSAIncMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderHoldingsUSAIncMember" xlink:to="lab_san_SantanderHoldingsUSAIncMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RegulatoryCapitalOtherAdjustments_019ca0fb-cb6b-7ab2-afc4-a85a4fc36404_negatedLabel_en-US" xlink:label="lab_san_RegulatoryCapitalOtherAdjustments" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Other adjustments</link:label>
    <link:label id="lab_san_RegulatoryCapitalOtherAdjustments_label_en-US" xlink:label="lab_san_RegulatoryCapitalOtherAdjustments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Regulatory Capital, Other Adjustments</link:label>
    <link:label id="lab_san_RegulatoryCapitalOtherAdjustments_documentation_en-US" xlink:label="lab_san_RegulatoryCapitalOtherAdjustments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of other assets and liabilities excluded from regulatory capital.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RegulatoryCapitalOtherAdjustments" xlink:href="san-20251231.xsd#san_RegulatoryCapitalOtherAdjustments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RegulatoryCapitalOtherAdjustments" xlink:to="lab_san_RegulatoryCapitalOtherAdjustments" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RemeasurementOfDisposalGroupOrAssetsHeldForSaleWriteOff_019ca0fb-c94e-7601-9d7e-48687b320d5b_terseLabel_en-US" xlink:label="lab_san_RemeasurementOfDisposalGroupOrAssetsHeldForSaleWriteOff" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Remeasurement of disposal group or assets held for sale, write-off</link:label>
    <link:label id="lab_san_RemeasurementOfDisposalGroupOrAssetsHeldForSaleWriteOff_label_en-US" xlink:label="lab_san_RemeasurementOfDisposalGroupOrAssetsHeldForSaleWriteOff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Remeasurement of Disposal Group or Assets Held for Sale, Write-off</link:label>
    <link:label id="lab_san_RemeasurementOfDisposalGroupOrAssetsHeldForSaleWriteOff_documentation_en-US" xlink:label="lab_san_RemeasurementOfDisposalGroupOrAssetsHeldForSaleWriteOff" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Remeasurement of Disposal Group or Assets Held for Sale, Write-off</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RemeasurementOfDisposalGroupOrAssetsHeldForSaleWriteOff" xlink:href="san-20251231.xsd#san_RemeasurementOfDisposalGroupOrAssetsHeldForSaleWriteOff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RemeasurementOfDisposalGroupOrAssetsHeldForSaleWriteOff" xlink:to="lab_san_RemeasurementOfDisposalGroupOrAssetsHeldForSaleWriteOff" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PamelaAnnWalkdenMember_019ca0fb-cad3-772e-a87d-7c1e5cd0c9b1_terseLabel_en-US" xlink:label="lab_san_PamelaAnnWalkdenMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pamela Walkden</link:label>
    <link:label id="lab_san_PamelaAnnWalkdenMember_label_en-US" xlink:label="lab_san_PamelaAnnWalkdenMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pamela Ann Walkden [Member]</link:label>
    <link:label id="lab_san_PamelaAnnWalkdenMember_documentation_en-US" xlink:label="lab_san_PamelaAnnWalkdenMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Ms. Pamela Ann Walkden [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PamelaAnnWalkdenMember" xlink:href="san-20251231.xsd#san_PamelaAnnWalkdenMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PamelaAnnWalkdenMember" xlink:to="lab_san_PamelaAnnWalkdenMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherFeeAndCommissionExpense_019ca0fb-cbee-757e-8dab-c78f4cff1b48_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherFeeAndCommissionExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other fees and commissions</link:label>
    <link:label id="lab_ifrs-full_OtherFeeAndCommissionExpense_label_en-US" xlink:label="lab_ifrs-full_OtherFeeAndCommissionExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other fee and commission expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherFeeAndCommissionExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherFeeAndCommissionExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherFeeAndCommissionExpense" xlink:to="lab_ifrs-full_OtherFeeAndCommissionExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ExternalCreditGradesAxis_019ca0fb-cbee-7952-ae5f-5de102073ca3_terseLabel_en-US" xlink:label="lab_ifrs-full_ExternalCreditGradesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">External credit grades [axis]</link:label>
    <link:label id="lab_ifrs-full_ExternalCreditGradesAxis_label_en-US" xlink:label="lab_ifrs-full_ExternalCreditGradesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">External credit grades [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ExternalCreditGradesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ExternalCreditGradesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ExternalCreditGradesAxis" xlink:to="lab_ifrs-full_ExternalCreditGradesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TechnologySystemsExpense_019ca0fb-cb6b-7c77-8f0b-9cd9577167b4_terseLabel_en-US" xlink:label="lab_san_TechnologySystemsExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Technology and systems</link:label>
    <link:label id="lab_san_TechnologySystemsExpense_label_en-US" xlink:label="lab_san_TechnologySystemsExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Technology Systems Expense</link:label>
    <link:label id="lab_san_TechnologySystemsExpense_documentation_en-US" xlink:label="lab_san_TechnologySystemsExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of expense relating to technology and systems.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TechnologySystemsExpense" xlink:href="san-20251231.xsd#san_TechnologySystemsExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TechnologySystemsExpense" xlink:to="lab_san_TechnologySystemsExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LiabilitiesSecuredByFinancialAssets_019ca0fb-c94e-7e7f-99c2-49bf5c5005b5_totalLabel_en-US" xlink:label="lab_san_LiabilitiesSecuredByFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Liabilities secured by financial assets</link:label>
    <link:label id="lab_san_LiabilitiesSecuredByFinancialAssets_label_en-US" xlink:label="lab_san_LiabilitiesSecuredByFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities Secured By Financial Assets</link:label>
    <link:label id="lab_san_LiabilitiesSecuredByFinancialAssets_documentation_en-US" xlink:label="lab_san_LiabilitiesSecuredByFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of liabilities that are secured by financial assets of the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LiabilitiesSecuredByFinancialAssets" xlink:href="san-20251231.xsd#san_LiabilitiesSecuredByFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LiabilitiesSecuredByFinancialAssets" xlink:to="lab_san_LiabilitiesSecuredByFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IFRSCapitalToRiskWeightedAssets_019ca0fb-cbee-7627-aec3-00e047190030_terseLabel_en-US" xlink:label="lab_san_IFRSCapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total phase-in capital</link:label>
    <link:label id="lab_san_IFRSCapitalToRiskWeightedAssets_019ca0fb-cbee-7348-abdf-ff40a124ee57_totalLabel_en-US" xlink:label="lab_san_IFRSCapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total capital coefficient</link:label>
    <link:label id="lab_san_IFRSCapitalToRiskWeightedAssets_label_en-US" xlink:label="lab_san_IFRSCapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS Capital To Risk Weighted Assets</link:label>
    <link:label id="lab_san_IFRSCapitalToRiskWeightedAssets_documentation_en-US" xlink:label="lab_san_IFRSCapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total Capital divided by risk weighted assets as defined in the international regulations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IFRSCapitalToRiskWeightedAssets" xlink:href="san-20251231.xsd#san_IFRSCapitalToRiskWeightedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IFRSCapitalToRiskWeightedAssets" xlink:to="lab_san_IFRSCapitalToRiskWeightedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationMinimumGroupsEconomicCapital_019ca0fb-cbee-79de-89f9-e2965b3683f6_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationMinimumGroupsEconomicCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum Group's economic capital</link:label>
    <link:label id="lab_san_VariableRemunerationMinimumGroupsEconomicCapital_label_en-US" xlink:label="lab_san_VariableRemunerationMinimumGroupsEconomicCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Minimum Group's Economic Capital</link:label>
    <link:label id="lab_san_VariableRemunerationMinimumGroupsEconomicCapital_documentation_en-US" xlink:label="lab_san_VariableRemunerationMinimumGroupsEconomicCapital" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Minimum Group's Economic Capital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationMinimumGroupsEconomicCapital" xlink:href="san-20251231.xsd#san_VariableRemunerationMinimumGroupsEconomicCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationMinimumGroupsEconomicCapital" xlink:to="lab_san_VariableRemunerationMinimumGroupsEconomicCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries_019ca0fb-c9cd-74a7-afc1-1d5cccc0a7e2_terseLabel_en-US" xlink:label="lab_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Recoveries</link:label>
    <link:label id="lab_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries_label_en-US" xlink:label="lab_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noncurrent Assets Held For Sale, Tangible Assets, Valuation Allowance Recoveries</link:label>
    <link:label id="lab_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries_documentation_en-US" xlink:label="lab_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of recoveries during the period for the valuation allowance for noncurrent assets held for sale.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries" xlink:href="san-20251231.xsd#san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries" xlink:to="lab_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfReservesWithinEquityTable_019ca0fb-cad3-78c1-b80e-401af8ec5ba8_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfReservesWithinEquityTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of reserves within equity [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfReservesWithinEquityTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfReservesWithinEquityTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of reserves within equity [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfReservesWithinEquityTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfReservesWithinEquityTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfReservesWithinEquityTable" xlink:to="lab_ifrs-full_DisclosureOfReservesWithinEquityTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss_019ca0fb-c9cd-7ee5-be1c-a1febd30dee2_terseLabel_en-US" xlink:label="lab_san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Items that will not be reclassified to profit or loss</link:label>
    <link:label id="lab_san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss_019ca0fb-c9cd-73b7-a57e-74a03c313f13_totalLabel_en-US" xlink:label="lab_san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">ITEMS THAT WILL NOT BE RECLASSIFIED TO PROFIT OR LOSS:</link:label>
    <link:label id="lab_san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss_label_en-US" xlink:label="lab_san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income, Items That Will Not Be Reclassified To Profit Or Loss</link:label>
    <link:label id="lab_san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss_documentation_en-US" xlink:label="lab_san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of other reserves not reclassified to profit or loss that is attributable to parent.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss" xlink:href="san-20251231.xsd#san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss" xlink:to="lab_san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderInternationalProductsPLCMember_019ca0fb-ca4e-7888-9771-db30d31f735d_terseLabel_en-US" xlink:label="lab_san_SantanderInternationalProductsPLCMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander International Products, Plc.</link:label>
    <link:label id="lab_san_SantanderInternationalProductsPLCMember_label_en-US" xlink:label="lab_san_SantanderInternationalProductsPLCMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander International Products PLC [Member]</link:label>
    <link:label id="lab_san_SantanderInternationalProductsPLCMember_documentation_en-US" xlink:label="lab_san_SantanderInternationalProductsPLCMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Santander International Products, Plc, a subsidiary of the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderInternationalProductsPLCMember" xlink:href="san-20251231.xsd#san_SantanderInternationalProductsPLCMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderInternationalProductsPLCMember" xlink:to="lab_san_SantanderInternationalProductsPLCMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonPerformingCoverageRatio_019ca0fb-cb6b-744c-81b0-cd6b1c48874c_terseLabel_en-US" xlink:label="lab_san_NonPerformingCoverageRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Coverage rate</link:label>
    <link:label id="lab_san_NonPerformingCoverageRatio_019ca0fb-cb6b-7641-9956-acc024677e15_verboseLabel_en-US" xlink:label="lab_san_NonPerformingCoverageRatio" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">NPL coverage ratio</link:label>
    <link:label id="lab_san_NonPerformingCoverageRatio_label_en-US" xlink:label="lab_san_NonPerformingCoverageRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Performing Coverage Ratio</link:label>
    <link:label id="lab_san_NonPerformingCoverageRatio_documentation_en-US" xlink:label="lab_san_NonPerformingCoverageRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage of instruments classified as non-performing that are covered by a provision against losses, calculated as the amount of provisions for coverage of impairment losses on loans and advances to customers and contingent liabilities (without country risk) divided by the amount of loans and advances to customers and nonperforming contingent liabilities (without country risk).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonPerformingCoverageRatio" xlink:href="san-20251231.xsd#san_NonPerformingCoverageRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonPerformingCoverageRatio" xlink:to="lab_san_NonPerformingCoverageRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DigitalTransformationAward2022SecondBlockMember_019ca0fb-cc70-71ee-92bf-e5336eee6380_terseLabel_en-US" xlink:label="lab_san_DigitalTransformationAward2022SecondBlockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2022, second block</link:label>
    <link:label id="lab_san_DigitalTransformationAward2022SecondBlockMember_label_en-US" xlink:label="lab_san_DigitalTransformationAward2022SecondBlockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2022, Second Block [Member]</link:label>
    <link:label id="lab_san_DigitalTransformationAward2022SecondBlockMember_documentation_en-US" xlink:label="lab_san_DigitalTransformationAward2022SecondBlockMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2022, Second Block</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DigitalTransformationAward2022SecondBlockMember" xlink:href="san-20251231.xsd#san_DigitalTransformationAward2022SecondBlockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DigitalTransformationAward2022SecondBlockMember" xlink:to="lab_san_DigitalTransformationAward2022SecondBlockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_HedgingDerivativesAbstract_019ca0fb-cb6b-70f2-bf38-2bc89b07e5d4_terseLabel_en-US" xlink:label="lab_san_HedgingDerivativesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives [Abstract]</link:label>
    <link:label id="lab_san_HedgingDerivativesAbstract_label_en-US" xlink:label="lab_san_HedgingDerivativesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivatives [Abstract]</link:label>
    <link:label id="lab_san_HedgingDerivativesAbstract_documentation_en-US" xlink:label="lab_san_HedgingDerivativesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">n/a</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_HedgingDerivativesAbstract" xlink:href="san-20251231.xsd#san_HedgingDerivativesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_HedgingDerivativesAbstract" xlink:to="lab_san_HedgingDerivativesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CommonEquityPillarTwoCapitalRatio_019ca0fb-c9cd-7b64-86f2-00485b60b0e8_terseLabel_en-US" xlink:label="lab_san_CommonEquityPillarTwoCapitalRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pillar 2 percentage</link:label>
    <link:label id="lab_san_CommonEquityPillarTwoCapitalRatio_label_en-US" xlink:label="lab_san_CommonEquityPillarTwoCapitalRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Equity Pillar Two Capital Ratio</link:label>
    <link:label id="lab_san_CommonEquityPillarTwoCapitalRatio_documentation_en-US" xlink:label="lab_san_CommonEquityPillarTwoCapitalRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of Common Equity Pillar 2 Risk-based Capital to total risk-weighted assets, as defined by regulatory framework.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CommonEquityPillarTwoCapitalRatio" xlink:href="san-20251231.xsd#san_CommonEquityPillarTwoCapitalRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CommonEquityPillarTwoCapitalRatio" xlink:to="lab_san_CommonEquityPillarTwoCapitalRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RepurchaseAgreementMember_019ca0fb-cc70-749e-9ead-fc2dc62d6c64_terseLabel_en-US" xlink:label="lab_san_RepurchaseAgreementMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repurchase agreements</link:label>
    <link:label id="lab_san_RepurchaseAgreementMember_label_en-US" xlink:label="lab_san_RepurchaseAgreementMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repurchase Agreement [Member]</link:label>
    <link:label id="lab_san_RepurchaseAgreementMember_documentation_en-US" xlink:label="lab_san_RepurchaseAgreementMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to repurchase agreements.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RepurchaseAgreementMember" xlink:href="san-20251231.xsd#san_RepurchaseAgreementMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RepurchaseAgreementMember" xlink:to="lab_san_RepurchaseAgreementMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis_019ca0fb-cad3-7395-bee8-d550474c6dd3_terseLabel_en-US" xlink:label="lab_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit impairment of financial instruments [axis]</link:label>
    <link:label id="lab_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis_label_en-US" xlink:label="lab_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit impairment of financial instruments [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis" xlink:to="lab_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LegalCaseRelatingToQuestionableDeductionOfLoanLossesInIncomeTaxReturnsMember_019ca0fb-cb6b-7e56-9807-f1a4c7baf431_terseLabel_en-US" xlink:label="lab_san_LegalCaseRelatingToQuestionableDeductionOfLoanLossesInIncomeTaxReturnsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal case relating to questionable deduction of loan losses in income tax returns</link:label>
    <link:label id="lab_san_LegalCaseRelatingToQuestionableDeductionOfLoanLossesInIncomeTaxReturnsMember_label_en-US" xlink:label="lab_san_LegalCaseRelatingToQuestionableDeductionOfLoanLossesInIncomeTaxReturnsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal Case Relating To Questionable Deduction Of Loan Losses In Income Tax Returns [Member]</link:label>
    <link:label id="lab_san_LegalCaseRelatingToQuestionableDeductionOfLoanLossesInIncomeTaxReturnsMember_documentation_en-US" xlink:label="lab_san_LegalCaseRelatingToQuestionableDeductionOfLoanLossesInIncomeTaxReturnsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for contingent liabilities relating to legal cases, including predecessors, appeal the assessments of government relating to deduction of expenses such as loan losses or goodwill written off in the company's income tax returns (IRPJ and CSLL) on the ground that the relevant requirements under the applicable legislation were not met.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LegalCaseRelatingToQuestionableDeductionOfLoanLossesInIncomeTaxReturnsMember" xlink:href="san-20251231.xsd#san_LegalCaseRelatingToQuestionableDeductionOfLoanLossesInIncomeTaxReturnsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LegalCaseRelatingToQuestionableDeductionOfLoanLossesInIncomeTaxReturnsMember" xlink:to="lab_san_LegalCaseRelatingToQuestionableDeductionOfLoanLossesInIncomeTaxReturnsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssetsWithModifiedContractualCashFlowsWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesForWhichLossAllowanceChangedDuringReportingPeriodTo12monthExpectedCreditLossesGrossCarryingAmount_019ca0fb-cad3-7bcf-84d2-b92228df08a8_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsWithModifiedContractualCashFlowsWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesForWhichLossAllowanceChangedDuringReportingPeriodTo12monthExpectedCreditLossesGrossCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets with modified contractual cash flows while loss allowance measured at lifetime expected credit losses</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsWithModifiedContractualCashFlowsWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesForWhichLossAllowanceChangedDuringReportingPeriodTo12monthExpectedCreditLossesGrossCarryingAmount_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsWithModifiedContractualCashFlowsWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesForWhichLossAllowanceChangedDuringReportingPeriodTo12monthExpectedCreditLossesGrossCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets with modified contractual cash flows while loss allowance measured at lifetime expected credit losses for which loss allowance changed during reporting period to 12-month expected credit losses, gross carrying amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsWithModifiedContractualCashFlowsWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesForWhichLossAllowanceChangedDuringReportingPeriodTo12monthExpectedCreditLossesGrossCarryingAmount" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialAssetsWithModifiedContractualCashFlowsWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesForWhichLossAllowanceChangedDuringReportingPeriodTo12monthExpectedCreditLossesGrossCarryingAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsWithModifiedContractualCashFlowsWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesForWhichLossAllowanceChangedDuringReportingPeriodTo12monthExpectedCreditLossesGrossCarryingAmount" xlink:to="lab_ifrs-full_FinancialAssetsWithModifiedContractualCashFlowsWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesForWhichLossAllowanceChangedDuringReportingPeriodTo12monthExpectedCreditLossesGrossCarryingAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems_019ca0fb-cbee-764b-981f-0f2b077f08dd_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of analysis of other comprehensive income by item [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems_019ca0fb-cbee-7df8-b824-581103bda24f_verboseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Items that may be reclassified to profit or loss</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of analysis of other comprehensive income by item [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems" xlink:to="lab_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2021Member_019ca0fb-c9cd-7ee2-b2f3-21dd4b747666_terseLabel_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2021Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred conditional variable remuneration plan and linked to objectives (2021)</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2021Member_label_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2021Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan And Linked To Objectives 2021 [Member]</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2021Member_documentation_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2021Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan And Linked To Objectives 2021</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2021Member" xlink:href="san-20251231.xsd#san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2021Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2021Member" xlink:to="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2021Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RelatedPartyTransactionsAbstract_label_en-US" xlink:label="lab_ifrs-full_RelatedPartyTransactionsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related party transactions [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RelatedPartyTransactionsAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RelatedPartyTransactionsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RelatedPartyTransactionsAbstract" xlink:to="lab_ifrs-full_RelatedPartyTransactionsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_EquityInvestmentsMember_019ca0fb-cbee-7dde-9bed-28f744760376_terseLabel_en-US" xlink:label="lab_ifrs-full_EquityInvestmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity instruments</link:label>
    <link:label id="lab_ifrs-full_EquityInvestmentsMember_label_en-US" xlink:label="lab_ifrs-full_EquityInvestmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity investments [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EquityInvestmentsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_EquityInvestmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_EquityInvestmentsMember" xlink:to="lab_ifrs-full_EquityInvestmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract_019ca0fb-ca4e-7568-b9ce-ec83cb51d449_terseLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2. Cash flows from investing activities</link:label>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract_label_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash flows from (used in) investing activities [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract" xlink:to="lab_ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement_019ca0fb-cc70-72e1-8de0-7ada5c7eb720_terseLabel_en-US" xlink:label="lab_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award, number of shares (in shares)</link:label>
    <link:label id="lab_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement_label_en-US" xlink:label="lab_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number of instruments granted in share-based payment arrangement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement" xlink:to="lab_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare_019ca0fb-cad3-73a2-870f-74b7ae5a1657_terseLabel_en-US" xlink:label="lab_ifrs-full_DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividends proposed, total per share (in eur per share)</link:label>
    <link:label id="lab_ifrs-full_DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare_label_en-US" xlink:label="lab_ifrs-full_DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends proposed or declared before financial statements authorised for issue but not recognised as distribution to owners per share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare" xlink:to="lab_ifrs-full_DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RedemptionOfTreasurySharesPurchaseValue_019ca0fb-ca4e-7744-882b-6e24f2ba2e9d_terseLabel_en-US" xlink:label="lab_san_RedemptionOfTreasurySharesPurchaseValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Redemption of treasury shares, purchase value</link:label>
    <link:label id="lab_san_RedemptionOfTreasurySharesPurchaseValue_label_en-US" xlink:label="lab_san_RedemptionOfTreasurySharesPurchaseValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Redemption Of Treasury Shares, Purchase Value</link:label>
    <link:label id="lab_san_RedemptionOfTreasurySharesPurchaseValue_documentation_en-US" xlink:label="lab_san_RedemptionOfTreasurySharesPurchaseValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Redemption Of Treasury Shares, Purchase Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RedemptionOfTreasurySharesPurchaseValue" xlink:href="san-20251231.xsd#san_RedemptionOfTreasurySharesPurchaseValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RedemptionOfTreasurySharesPurchaseValue" xlink:to="lab_san_RedemptionOfTreasurySharesPurchaseValue" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EligibleCapitalEligibleInstrumentsAdditionalTierOne_019ca0fb-cbee-77f3-82dd-276193877a86_terseLabel_en-US" xlink:label="lab_san_EligibleCapitalEligibleInstrumentsAdditionalTierOne" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Eligible instruments AT1</link:label>
    <link:label id="lab_san_EligibleCapitalEligibleInstrumentsAdditionalTierOne_label_en-US" xlink:label="lab_san_EligibleCapitalEligibleInstrumentsAdditionalTierOne" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Eligible Capital Eligible Instruments Additional Tier One</link:label>
    <link:label id="lab_san_EligibleCapitalEligibleInstrumentsAdditionalTierOne_documentation_en-US" xlink:label="lab_san_EligibleCapitalEligibleInstrumentsAdditionalTierOne" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of eligible instruments, at Additional Tier One level, that is combined with Tier One excesses, residual value of dividends and other deductions to determine Additional Tier One capital.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EligibleCapitalEligibleInstrumentsAdditionalTierOne" xlink:href="san-20251231.xsd#san_EligibleCapitalEligibleInstrumentsAdditionalTierOne"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EligibleCapitalEligibleInstrumentsAdditionalTierOne" xlink:to="lab_san_EligibleCapitalEligibleInstrumentsAdditionalTierOne" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherRetainedEarnings_019ca0fb-c9cd-7696-bf5f-2912bb17f1a4_terseLabel_en-US" xlink:label="lab_san_OtherRetainedEarnings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other retained earnings</link:label>
    <link:label id="lab_san_OtherRetainedEarnings_label_en-US" xlink:label="lab_san_OtherRetainedEarnings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Retained Earnings</link:label>
    <link:label id="lab_san_OtherRetainedEarnings_documentation_en-US" xlink:label="lab_san_OtherRetainedEarnings" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A component of equity representing the entity's cumulative other comprehensive undistributed earnings or deficit.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherRetainedEarnings" xlink:href="san-20251231.xsd#san_OtherRetainedEarnings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherRetainedEarnings" xlink:to="lab_san_OtherRetainedEarnings" xlink:type="arc" order="1"/>
    <link:label id="lab_san_UnmaturedMember_019ca0fb-c9cd-71d9-8c36-9d0162bac49c_terseLabel_en-US" xlink:label="lab_san_UnmaturedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unmatured</link:label>
    <link:label id="lab_san_UnmaturedMember_label_en-US" xlink:label="lab_san_UnmaturedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unmatured [Member]</link:label>
    <link:label id="lab_san_UnmaturedMember_documentation_en-US" xlink:label="lab_san_UnmaturedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for unmatured time band.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_UnmaturedMember" xlink:href="san-20251231.xsd#san_UnmaturedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_UnmaturedMember" xlink:to="lab_san_UnmaturedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansAndAdvancesCustomersExcludingPolandDisposalMember_019ca0fb-c94e-7b48-8a3f-9aa623105bcb_terseLabel_en-US" xlink:label="lab_san_LoansAndAdvancesCustomersExcludingPolandDisposalMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances to customers</link:label>
    <link:label id="lab_san_LoansAndAdvancesCustomersExcludingPolandDisposalMember_label_en-US" xlink:label="lab_san_LoansAndAdvancesCustomersExcludingPolandDisposalMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans And Advances, Customers, Excluding Poland Disposal [Member]</link:label>
    <link:label id="lab_san_LoansAndAdvancesCustomersExcludingPolandDisposalMember_documentation_en-US" xlink:label="lab_san_LoansAndAdvancesCustomersExcludingPolandDisposalMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans And Advances, Customers, Excluding Poland Disposal</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansAndAdvancesCustomersExcludingPolandDisposalMember" xlink:href="san-20251231.xsd#san_LoansAndAdvancesCustomersExcludingPolandDisposalMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansAndAdvancesCustomersExcludingPolandDisposalMember" xlink:to="lab_san_LoansAndAdvancesCustomersExcludingPolandDisposalMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanMember_019ca0fb-cb6b-7c37-8542-8adb1592754c_verboseLabel_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Deferred variable remuneration</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanMember_label_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan [Member]</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanMember_documentation_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to the deferred variable compensation plan (bonus).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredConditionalVariableRemunerationPlanMember" xlink:href="san-20251231.xsd#san_DeferredConditionalVariableRemunerationPlanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredConditionalVariableRemunerationPlanMember" xlink:to="lab_san_DeferredConditionalVariableRemunerationPlanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BancoSantanderMexicoSAInstitucionDeBancaMultipleGrupoFinancieroSantanderMexicoMember_019ca0fb-cb6b-7423-8577-e2cda7a8a91d_terseLabel_en-US" xlink:label="lab_san_BancoSantanderMexicoSAInstitucionDeBancaMultipleGrupoFinancieroSantanderMexicoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico</link:label>
    <link:label id="lab_san_BancoSantanderMexicoSAInstitucionDeBancaMultipleGrupoFinancieroSantanderMexicoMember_019ca0fb-cb6b-75c7-9c80-9edb93d81a2d_verboseLabel_en-US" xlink:label="lab_san_BancoSantanderMexicoSAInstitucionDeBancaMultipleGrupoFinancieroSantanderMexicoMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Grupo Financiero Santander (M&#233;xico)</link:label>
    <link:label id="lab_san_BancoSantanderMexicoSAInstitucionDeBancaMultipleGrupoFinancieroSantanderMexicoMember_label_en-US" xlink:label="lab_san_BancoSantanderMexicoSAInstitucionDeBancaMultipleGrupoFinancieroSantanderMexicoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banco Santander Mexico S.A. Institucion De Banca Multiple, Grupo Financiero Santander Mexico [Member]</link:label>
    <link:label id="lab_san_BancoSantanderMexicoSAInstitucionDeBancaMultipleGrupoFinancieroSantanderMexicoMember_documentation_en-US" xlink:label="lab_san_BancoSantanderMexicoSAInstitucionDeBancaMultipleGrupoFinancieroSantanderMexicoMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Banco Santander (Mexico), S.A., Institucion de Banca Multiple, Grupo Financiero Santander Mexico, a subsidiary of the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BancoSantanderMexicoSAInstitucionDeBancaMultipleGrupoFinancieroSantanderMexicoMember" xlink:href="san-20251231.xsd#san_BancoSantanderMexicoSAInstitucionDeBancaMultipleGrupoFinancieroSantanderMexicoMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BancoSantanderMexicoSAInstitucionDeBancaMultipleGrupoFinancieroSantanderMexicoMember" xlink:to="lab_san_BancoSantanderMexicoSAInstitucionDeBancaMultipleGrupoFinancieroSantanderMexicoMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent_019ca0fb-cb6b-752b-88df-f761c693b91c_terseLabel_en-US" xlink:label="lab_san_PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of portfolio with LTV less than defined percent</link:label>
    <link:label id="lab_san_PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent_label_en-US" xlink:label="lab_san_PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Portfolio With Loan To Value Ratio Less Than Defined Percent</link:label>
    <link:label id="lab_san_PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent_documentation_en-US" xlink:label="lab_san_PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of portfolio with loan to value ratio of less than defined percentage.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent" xlink:href="san-20251231.xsd#san_PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent" xlink:to="lab_san_PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredTaxIncomeRecognisedInProfitOrLoss_019ca0fb-cbee-795e-b779-5f75771d622b_terseLabel_en-US" xlink:label="lab_san_DeferredTaxIncomeRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">(Charge)/Credit to income</link:label>
    <link:label id="lab_san_DeferredTaxIncomeRecognisedInProfitOrLoss_label_en-US" xlink:label="lab_san_DeferredTaxIncomeRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Income Recognised In Profit or Loss</link:label>
    <link:label id="lab_san_DeferredTaxIncomeRecognisedInProfitOrLoss_documentation_en-US" xlink:label="lab_san_DeferredTaxIncomeRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of tax expense or income relating to changes in deferred tax assets, recognised in profit or loss.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredTaxIncomeRecognisedInProfitOrLoss" xlink:href="san-20251231.xsd#san_DeferredTaxIncomeRecognisedInProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredTaxIncomeRecognisedInProfitOrLoss" xlink:to="lab_san_DeferredTaxIncomeRecognisedInProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PessimisticScenarioThreeMember_019ca0fb-cbee-7efd-8d78-eeb561b2ba56_terseLabel_en-US" xlink:label="lab_san_PessimisticScenarioThreeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pessimistic scenario&#160;3</link:label>
    <link:label id="lab_san_PessimisticScenarioThreeMember_label_en-US" xlink:label="lab_san_PessimisticScenarioThreeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pessimistic Scenario Three [Member]</link:label>
    <link:label id="lab_san_PessimisticScenarioThreeMember_documentation_en-US" xlink:label="lab_san_PessimisticScenarioThreeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Pessimistic Scenario Three</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PessimisticScenarioThreeMember" xlink:href="san-20251231.xsd#san_PessimisticScenarioThreeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PessimisticScenarioThreeMember" xlink:to="lab_san_PessimisticScenarioThreeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfOthersEmployees_019ca0fb-c9cd-73d2-9ead-61ba22f9f7d1_terseLabel_en-US" xlink:label="lab_san_NumberOfOthersEmployees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of employees - others</link:label>
    <link:label id="lab_san_NumberOfOthersEmployees_label_en-US" xlink:label="lab_san_NumberOfOthersEmployees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Others Employees</link:label>
    <link:label id="lab_san_NumberOfOthersEmployees_documentation_en-US" xlink:label="lab_san_NumberOfOthersEmployees" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Of Others Employees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfOthersEmployees" xlink:href="san-20251231.xsd#san_NumberOfOthersEmployees"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfOthersEmployees" xlink:to="lab_san_NumberOfOthersEmployees" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ValueAtRisk_019ca0fb-c9cd-7150-bc87-1ad0d279997d_terseLabel_en-US" xlink:label="lab_ifrs-full_ValueAtRisk" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">VaR</link:label>
    <link:label id="lab_ifrs-full_ValueAtRisk_label_en-US" xlink:label="lab_ifrs-full_ValueAtRisk" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Value at risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ValueAtRisk" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ValueAtRisk"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ValueAtRisk" xlink:to="lab_ifrs-full_ValueAtRisk" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SurveillanceAndCourierServicesExpense_019ca0fb-cad3-783e-a181-75627c84a0c9_terseLabel_en-US" xlink:label="lab_san_SurveillanceAndCourierServicesExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Surveillance and cash courier services</link:label>
    <link:label id="lab_san_SurveillanceAndCourierServicesExpense_label_en-US" xlink:label="lab_san_SurveillanceAndCourierServicesExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Surveillance And Courier Services Expense</link:label>
    <link:label id="lab_san_SurveillanceAndCourierServicesExpense_documentation_en-US" xlink:label="lab_san_SurveillanceAndCourierServicesExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of expense relating to surveillance and courier services.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SurveillanceAndCourierServicesExpense" xlink:href="san-20251231.xsd#san_SurveillanceAndCourierServicesExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SurveillanceAndCourierServicesExpense" xlink:to="lab_san_SurveillanceAndCourierServicesExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInShares_019ca0fb-c94e-7ba7-9a5a-c3277f81afd7_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred payment, short term, percentage paid in shares</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInShares_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Short Term, Percentage Paid In Shares</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInShares_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Short Term, Percentage Paid In Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInShares" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInShares" xlink:to="lab_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInShares" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NoncurrentAssets_019ca0fb-cbee-7a64-b895-13e8c0ae9612_terseLabel_en-US" xlink:label="lab_ifrs-full_NoncurrentAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non current assets</link:label>
    <link:label id="lab_ifrs-full_NoncurrentAssets_label_en-US" xlink:label="lab_ifrs-full_NoncurrentAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-current assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NoncurrentAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NoncurrentAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NoncurrentAssets" xlink:to="lab_ifrs-full_NoncurrentAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BancoRCIBrasilSAMember_019ca0fb-cc70-7733-90c7-f98248ce7c5a_terseLabel_en-US" xlink:label="lab_san_BancoRCIBrasilSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco RCI Brasil S.A.</link:label>
    <link:label id="lab_san_BancoRCIBrasilSAMember_label_en-US" xlink:label="lab_san_BancoRCIBrasilSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banco RCI Brasil S.A. [Member]</link:label>
    <link:label id="lab_san_BancoRCIBrasilSAMember_documentation_en-US" xlink:label="lab_san_BancoRCIBrasilSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Banco RCI Brasil S.A.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BancoRCIBrasilSAMember" xlink:href="san-20251231.xsd#san_BancoRCIBrasilSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BancoRCIBrasilSAMember" xlink:to="lab_san_BancoRCIBrasilSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract_019ca0fb-cbee-7823-b90e-6685d4a33c09_terseLabel_en-US" xlink:label="lab_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in financial instruments, Liabilities</link:label>
    <link:label id="lab_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract_label_en-US" xlink:label="lab_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reconciliation of changes in fair value measurement, liabilities [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract" xlink:to="lab_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges_019ca0fb-c94e-7066-b162-7ac5e24297c3_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Cash flow hedges (effective portion)</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other comprehensive income, before tax, cash flow hedges</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax_019ca0fb-ca4e-7b90-bc81-85d2f4416356_negatedLabel_en-US" xlink:label="lab_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Amounts transferred to income statement</link:label>
    <link:label id="lab_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax_label_en-US" xlink:label="lab_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification adjustments on hedges of net investments in foreign operations, before tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:to="lab_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CIPS.A.Member_019ca0fb-c94e-7694-aca1-42b9e9d4451f_terseLabel_en-US" xlink:label="lab_san_CIPS.A.Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CIP S.A.</link:label>
    <link:label id="lab_san_CIPS.A.Member_label_en-US" xlink:label="lab_san_CIPS.A.Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">CIP S.A. [Member]</link:label>
    <link:label id="lab_san_CIPS.A.Member_documentation_en-US" xlink:label="lab_san_CIPS.A.Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">CIP S.A.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CIPS.A.Member" xlink:href="san-20251231.xsd#san_CIPS.A.Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CIPS.A.Member" xlink:to="lab_san_CIPS.A.Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProfitLossNetOfDividends_019ca0fb-ca4e-7c69-9109-9d0abe4ece3d_terseLabel_en-US" xlink:label="lab_san_ProfitLossNetOfDividends" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Profit net of dividends</link:label>
    <link:label id="lab_san_ProfitLossNetOfDividends_label_en-US" xlink:label="lab_san_ProfitLossNetOfDividends" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit (Loss), Net Of Dividends</link:label>
    <link:label id="lab_san_ProfitLossNetOfDividends_documentation_en-US" xlink:label="lab_san_ProfitLossNetOfDividends" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The total of income less expenses, excluding the components of other comprehensive income and net of dividends.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProfitLossNetOfDividends" xlink:href="san-20251231.xsd#san_ProfitLossNetOfDividends"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProfitLossNetOfDividends" xlink:to="lab_san_ProfitLossNetOfDividends" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherBeneficiariesMember_019ca0fb-c9cd-79e8-9952-a3a781f797c7_terseLabel_en-US" xlink:label="lab_san_OtherBeneficiariesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other beneficiaries</link:label>
    <link:label id="lab_san_OtherBeneficiariesMember_label_en-US" xlink:label="lab_san_OtherBeneficiariesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Beneficiaries [Member]</link:label>
    <link:label id="lab_san_OtherBeneficiariesMember_documentation_en-US" xlink:label="lab_san_OtherBeneficiariesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents other beneficiaries with variable remuneration.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherBeneficiariesMember" xlink:href="san-20251231.xsd#san_OtherBeneficiariesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherBeneficiariesMember" xlink:to="lab_san_OtherBeneficiariesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_019ca0fb-cb6b-75e3-95c8-30bb9e3da175_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of property, plant and equipment [axis]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis_label_en-US" xlink:label="lab_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of property, plant and equipment [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis" xlink:to="lab_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfSubsidiariesResidentInOffShoreTerritories_019ca0fb-cbee-79ba-a690-8f133c0d5ffc_terseLabel_en-US" xlink:label="lab_san_NumberOfSubsidiariesResidentInOffShoreTerritories" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of subsidiaries resident in off-shore territories</link:label>
    <link:label id="lab_san_NumberOfSubsidiariesResidentInOffShoreTerritories_label_en-US" xlink:label="lab_san_NumberOfSubsidiariesResidentInOffShoreTerritories" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Subsidiaries Resident In Off-Shore Territories</link:label>
    <link:label id="lab_san_NumberOfSubsidiariesResidentInOffShoreTerritories_documentation_en-US" xlink:label="lab_san_NumberOfSubsidiariesResidentInOffShoreTerritories" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of subsidiaries resident in off-shore territories.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfSubsidiariesResidentInOffShoreTerritories" xlink:href="san-20251231.xsd#san_NumberOfSubsidiariesResidentInOffShoreTerritories"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfSubsidiariesResidentInOffShoreTerritories" xlink:to="lab_san_NumberOfSubsidiariesResidentInOffShoreTerritories" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherGainsLosses_019ca0fb-cad3-7293-8bd6-c34af2e47d81_verboseLabel_en-US" xlink:label="lab_ifrs-full_OtherGainsLosses" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Gains (losses) on financial transactions</link:label>
    <link:label id="lab_ifrs-full_OtherGainsLosses_label_en-US" xlink:label="lab_ifrs-full_OtherGainsLosses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other gains (losses)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherGainsLosses" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherGainsLosses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherGainsLosses" xlink:to="lab_ifrs-full_OtherGainsLosses" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis_019ca0fb-cbee-759e-bd3f-c431c130a44b_terseLabel_en-US" xlink:label="lab_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash-generating units [axis]</link:label>
    <link:label id="lab_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis_label_en-US" xlink:label="lab_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash-generating units [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis" xlink:to="lab_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NotLaterThanOneMonthMember_019ca0fb-cc70-7b0e-8ff7-0ad75e6930bf_verboseLabel_en-US" xlink:label="lab_ifrs-full_NotLaterThanOneMonthMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Up&#160;to&#160;one month</link:label>
    <link:label id="lab_ifrs-full_NotLaterThanOneMonthMember_019ca0fb-cc70-7ebe-8a06-eee1517f4994_terseLabel_en-US" xlink:label="lab_ifrs-full_NotLaterThanOneMonthMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">1 month</link:label>
    <link:label id="lab_ifrs-full_NotLaterThanOneMonthMember_label_en-US" xlink:label="lab_ifrs-full_NotLaterThanOneMonthMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Not later than one month [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NotLaterThanOneMonthMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NotLaterThanOneMonthMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NotLaterThanOneMonthMember" xlink:to="lab_ifrs-full_NotLaterThanOneMonthMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ActuarialAssumptionsDomain_019ca0fb-cbee-738a-9752-415ea234e603_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actuarial assumptions [domain]</link:label>
    <link:label id="lab_ifrs-full_ActuarialAssumptionsDomain_label_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Actuarial assumptions [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialAssumptionsDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ActuarialAssumptionsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ActuarialAssumptionsDomain" xlink:to="lab_ifrs-full_ActuarialAssumptionsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfReclassificationsOrChangesInPresentationAbstract_019ca0fb-ca4e-7f3e-abbd-7dcf8262e1e9_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfReclassificationsOrChangesInPresentationAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of reclassifications or changes in presentation [abstract]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfReclassificationsOrChangesInPresentationAbstract_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfReclassificationsOrChangesInPresentationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of reclassifications or changes in presentation [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfReclassificationsOrChangesInPresentationAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfReclassificationsOrChangesInPresentationAbstract"/>
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    <link:label id="lab_san_VariableRemunerationDeferredPaymentTSRMaximumMetricTarget_019ca0fb-cad3-7b28-80dc-b6c5fd96ae83_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentTSRMaximumMetricTarget" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">TSR maximum metric, target</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentTSRMaximumMetricTarget_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentTSRMaximumMetricTarget" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, TSR Maximum Metric, Target</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentTSRMaximumMetricTarget_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentTSRMaximumMetricTarget" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, TSR Maximum Metric, Target</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentTSRMaximumMetricTarget" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentTSRMaximumMetricTarget"/>
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    <link:label id="lab_san_InternallyAdaptedCreditGradesAxis_019ca0fb-cad2-76f6-ab8c-807f275c8b43_terseLabel_en-US" xlink:label="lab_san_InternallyAdaptedCreditGradesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Internally Adapted Credit Grades [Axis]</link:label>
    <link:label id="lab_san_InternallyAdaptedCreditGradesAxis_label_en-US" xlink:label="lab_san_InternallyAdaptedCreditGradesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Internally Adapted Credit Grades [Axis]</link:label>
    <link:label id="lab_san_InternallyAdaptedCreditGradesAxis_documentation_en-US" xlink:label="lab_san_InternallyAdaptedCreditGradesAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Internally Adapted Credit Grades</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InternallyAdaptedCreditGradesAxis" xlink:href="san-20251231.xsd#san_InternallyAdaptedCreditGradesAxis"/>
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    <link:label id="lab_ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod_019ca0fb-c94e-796b-84d4-b61df88f97e6_terseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Joint venture entities</link:label>
    <link:label id="lab_ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod_label_en-US" xlink:label="lab_ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments in joint ventures accounted for using equity method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod" xlink:to="lab_ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInCash_019ca0fb-ca4e-7085-9431-f9b06b39f1bf_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInCash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred payment, percentage paid in cash</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInCash_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Percentage Paid In Cash</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInCash_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInCash" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage of an award granted under a variable remuneration deferred payment plan paid in cash.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentPercentagePaidInCash" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentPercentagePaidInCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentPercentagePaidInCash" xlink:to="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInCash" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents_019ca0fb-c9cd-7a23-885c-1bf9b5fae74a_terseLabel_en-US" xlink:label="lab_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">EFFECT OF FOREIGN EXCHANGE RATE CHANGES</link:label>
    <link:label id="lab_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents_019ca0fb-c9cd-7e96-b86e-631f9fcec858_verboseLabel_en-US" xlink:label="lab_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">D) Effect of foreign exchange rate differences</link:label>
    <link:label id="lab_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents_label_en-US" xlink:label="lab_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effect of exchange rate changes on cash and cash equivalents</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents" xlink:to="lab_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MortgageBackedBondsLoanToValueRatioHomeLoans_019ca0fb-ca4e-7305-ad99-56d32c4e653e_terseLabel_en-US" xlink:label="lab_san_MortgageBackedBondsLoanToValueRatioHomeLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage-backed bonds loan-to-value ratio for home loans (as a percent)</link:label>
    <link:label id="lab_san_MortgageBackedBondsLoanToValueRatioHomeLoans_label_en-US" xlink:label="lab_san_MortgageBackedBondsLoanToValueRatioHomeLoans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Backed Bonds Loan To Value Ratio Home Loans</link:label>
    <link:label id="lab_san_MortgageBackedBondsLoanToValueRatioHomeLoans_documentation_en-US" xlink:label="lab_san_MortgageBackedBondsLoanToValueRatioHomeLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the required loan-to-value ratio for mortgage-backed bonds for home loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MortgageBackedBondsLoanToValueRatioHomeLoans" xlink:href="san-20251231.xsd#san_MortgageBackedBondsLoanToValueRatioHomeLoans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MortgageBackedBondsLoanToValueRatioHomeLoans" xlink:to="lab_san_MortgageBackedBondsLoanToValueRatioHomeLoans" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory_019ca0fb-cb6b-70ee-8fba-3d18f10d7852_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreign currency transactions</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description of accounting policy for foreign currency translation [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory" xlink:to="lab_ifrs-full_DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SmallAndMediumEntitiesAndCorporatesMember_019ca0fb-cc70-770a-91ab-5aaa07951567_terseLabel_en-US" xlink:label="lab_san_SmallAndMediumEntitiesAndCorporatesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SMEs and Corporates</link:label>
    <link:label id="lab_san_SmallAndMediumEntitiesAndCorporatesMember_label_en-US" xlink:label="lab_san_SmallAndMediumEntitiesAndCorporatesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Small And Medium Entities And Corporates [Member]</link:label>
    <link:label id="lab_san_SmallAndMediumEntitiesAndCorporatesMember_documentation_en-US" xlink:label="lab_san_SmallAndMediumEntitiesAndCorporatesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Small And Medium Entities And Corporates [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SmallAndMediumEntitiesAndCorporatesMember" xlink:href="san-20251231.xsd#san_SmallAndMediumEntitiesAndCorporatesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SmallAndMediumEntitiesAndCorporatesMember" xlink:to="lab_san_SmallAndMediumEntitiesAndCorporatesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CommunicationExpense_019ca0fb-cbee-7385-9d64-9b409d156362_terseLabel_en-US" xlink:label="lab_ifrs-full_CommunicationExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Communications</link:label>
    <link:label id="lab_ifrs-full_CommunicationExpense_label_en-US" xlink:label="lab_ifrs-full_CommunicationExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Communication expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CommunicationExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CommunicationExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CommunicationExpense" xlink:to="lab_ifrs-full_CommunicationExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherConceptsDeferredTaxAssetsNotRecognized_019ca0fb-cad3-7173-8a9d-eac9454d0bcf_terseLabel_en-US" xlink:label="lab_san_OtherConceptsDeferredTaxAssetsNotRecognized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other concepts, deferred tax assets not recognized</link:label>
    <link:label id="lab_san_OtherConceptsDeferredTaxAssetsNotRecognized_label_en-US" xlink:label="lab_san_OtherConceptsDeferredTaxAssetsNotRecognized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Concepts, Deferred Tax Assets Not Recognized</link:label>
    <link:label id="lab_san_OtherConceptsDeferredTaxAssetsNotRecognized_documentation_en-US" xlink:label="lab_san_OtherConceptsDeferredTaxAssetsNotRecognized" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Concepts, Deferred Tax Assets Not Recognized</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherConceptsDeferredTaxAssetsNotRecognized" xlink:href="san-20251231.xsd#san_OtherConceptsDeferredTaxAssetsNotRecognized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherConceptsDeferredTaxAssetsNotRecognized" xlink:to="lab_san_OtherConceptsDeferredTaxAssetsNotRecognized" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CreditRelatedFeeAndCommissionIncomeDemandAccounts_019ca0fb-cbee-7792-85c5-c63d2c9a6f21_terseLabel_en-US" xlink:label="lab_san_CreditRelatedFeeAndCommissionIncomeDemandAccounts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Demand accounts</link:label>
    <link:label id="lab_san_CreditRelatedFeeAndCommissionIncomeDemandAccounts_label_en-US" xlink:label="lab_san_CreditRelatedFeeAndCommissionIncomeDemandAccounts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Related Fee And Commission Income Demand Accounts</link:label>
    <link:label id="lab_san_CreditRelatedFeeAndCommissionIncomeDemandAccounts_documentation_en-US" xlink:label="lab_san_CreditRelatedFeeAndCommissionIncomeDemandAccounts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of income recognised from credit-related fees and commissions from demand accounts.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CreditRelatedFeeAndCommissionIncomeDemandAccounts" xlink:href="san-20251231.xsd#san_CreditRelatedFeeAndCommissionIncomeDemandAccounts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CreditRelatedFeeAndCommissionIncomeDemandAccounts" xlink:to="lab_san_CreditRelatedFeeAndCommissionIncomeDemandAccounts" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangement_019ca0fb-c9cd-7add-a23c-e0d23c873c41_periodStartLabel_en-US" xlink:label="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangement" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Maximum number of shares to be delivered at beginning of period (in shares)</link:label>
    <link:label id="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangement_019ca0fb-c9cd-7d52-a63b-6a88e8c20ff9_periodEndLabel_en-US" xlink:label="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangement" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Maximum number of shares to be delivered at end of period (in shares)</link:label>
    <link:label id="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangement_label_en-US" xlink:label="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Shares Earned In Share-Based Payment Arrangement</link:label>
    <link:label id="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangement_documentation_en-US" xlink:label="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangement" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of share to be delivered in a share-based payment arrangement.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfSharesEarnedInShareBasedPaymentArrangement" xlink:href="san-20251231.xsd#san_NumberOfSharesEarnedInShareBasedPaymentArrangement"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfSharesEarnedInShareBasedPaymentArrangement" xlink:to="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangement" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PercentageOfReasonablyPossibleIncreaseInActuarialAssumption_019ca0fb-ca4e-7032-9039-0b684e83ee49_terseLabel_en-US" xlink:label="lab_ifrs-full_PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of reasonably possible increase in actuarial assumption</link:label>
    <link:label id="lab_ifrs-full_PercentageOfReasonablyPossibleIncreaseInActuarialAssumption_label_en-US" xlink:label="lab_ifrs-full_PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage of reasonably possible increase in actuarial assumption</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PercentageOfReasonablyPossibleIncreaseInActuarialAssumption"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" xlink:to="lab_ifrs-full_PercentageOfReasonablyPossibleIncreaseInActuarialAssumption" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonCurrentAssetsClassifiedAsHeldForSalePercentage_019ca0fb-c94e-728f-9538-54c662b55e54_terseLabel_en-US" xlink:label="lab_san_NonCurrentAssetsClassifiedAsHeldForSalePercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of entity's total non-current assets held for sale</link:label>
    <link:label id="lab_san_NonCurrentAssetsClassifiedAsHeldForSalePercentage_label_en-US" xlink:label="lab_san_NonCurrentAssetsClassifiedAsHeldForSalePercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Current Assets Classified As Held For Sale, Percentage</link:label>
    <link:label id="lab_san_NonCurrentAssetsClassifiedAsHeldForSalePercentage_documentation_en-US" xlink:label="lab_san_NonCurrentAssetsClassifiedAsHeldForSalePercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of entity's total non-current assets classified as held for sale.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonCurrentAssetsClassifiedAsHeldForSalePercentage" xlink:href="san-20251231.xsd#san_NonCurrentAssetsClassifiedAsHeldForSalePercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonCurrentAssetsClassifiedAsHeldForSalePercentage" xlink:to="lab_san_NonCurrentAssetsClassifiedAsHeldForSalePercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialInstrumentsTable_019ca0fb-c94e-7aa4-afdb-96bb069779a0_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialInstrumentsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about financial instruments [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialInstrumentsTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialInstrumentsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about financial instruments [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFinancialInstrumentsTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfFinancialInstrumentsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFinancialInstrumentsTable" xlink:to="lab_ifrs-full_DisclosureOfFinancialInstrumentsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities_019ca0fb-cad3-7c3e-9a94-b31fd5875eb5_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase in fair value assets due to changes in inputs</link:label>
    <link:label id="lab_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities_label_en-US" xlink:label="lab_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase in fair value measurement due to change in multiple unobservable inputs to reflect reasonably possible alternative assumptions, liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" xlink:to="lab_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets_019ca0fb-cad3-70f1-b523-55960c10c4ae_negatedTerseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">To stage 2 from stage 3</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets_019ca0fb-cad3-7844-b278-2cff34f34973_negatedLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">To stage 3 from stage 2</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Transfers From Stage 3 To Stage 2 Financial Assets</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) in financial assets resulting from transfers from credit risk stage 3 to stage 2.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" xlink:to="lab_san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansAndAdvancesToCustomersLineItems_019ca0fb-cbee-7346-9ea9-f41d8e5f02b2_terseLabel_en-US" xlink:label="lab_san_LoansAndAdvancesToCustomersLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans And Advances To Customers [Line Items]</link:label>
    <link:label id="lab_san_LoansAndAdvancesToCustomersLineItems_label_en-US" xlink:label="lab_san_LoansAndAdvancesToCustomersLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans And Advances To Customers [Line Items]</link:label>
    <link:label id="lab_san_LoansAndAdvancesToCustomersLineItems_documentation_en-US" xlink:label="lab_san_LoansAndAdvancesToCustomersLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansAndAdvancesToCustomersLineItems" xlink:href="san-20251231.xsd#san_LoansAndAdvancesToCustomersLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansAndAdvancesToCustomersLineItems" xlink:to="lab_san_LoansAndAdvancesToCustomersLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentNumberOfAnnuities_019ca0fb-ca4e-73a2-b941-331cf170cfa1_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentNumberOfAnnuities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred payment, number of annuities</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentNumberOfAnnuities_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentNumberOfAnnuities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Number Of Annuities</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentNumberOfAnnuities_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentNumberOfAnnuities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Number Of Annuities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentNumberOfAnnuities" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentNumberOfAnnuities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentNumberOfAnnuities" xlink:to="lab_san_VariableRemunerationDeferredPaymentNumberOfAnnuities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherOutflowsOfCashClassifiedAsFinancingActivities_019ca0fb-c94e-77ba-bff7-daf8e37bc3d7_terseLabel_en-US" xlink:label="lab_san_OtherOutflowsOfCashClassifiedAsFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other payments related to financing activities</link:label>
    <link:label id="lab_san_OtherOutflowsOfCashClassifiedAsFinancingActivities_label_en-US" xlink:label="lab_san_OtherOutflowsOfCashClassifiedAsFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Outflows Of Cash Classified As Financing Activities</link:label>
    <link:label id="lab_san_OtherOutflowsOfCashClassifiedAsFinancingActivities_documentation_en-US" xlink:label="lab_san_OtherOutflowsOfCashClassifiedAsFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Outflows of cash, classified as financing activities, that the entity does not separately disclose in the same statement or note.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherOutflowsOfCashClassifiedAsFinancingActivities" xlink:href="san-20251231.xsd#san_OtherOutflowsOfCashClassifiedAsFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherOutflowsOfCashClassifiedAsFinancingActivities" xlink:to="lab_san_OtherOutflowsOfCashClassifiedAsFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PropertySecuritiesMember_019ca0fb-c9cd-71f2-ac0f-d078fb203a20_terseLabel_en-US" xlink:label="lab_san_PropertySecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property securities</link:label>
    <link:label id="lab_san_PropertySecuritiesMember_label_en-US" xlink:label="lab_san_PropertySecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property Securities [Member]</link:label>
    <link:label id="lab_san_PropertySecuritiesMember_documentation_en-US" xlink:label="lab_san_PropertySecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Property Securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PropertySecuritiesMember" xlink:href="san-20251231.xsd#san_PropertySecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PropertySecuritiesMember" xlink:to="lab_san_PropertySecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfCreditRiskCategories_019ca0fb-c94e-7f24-9086-5bb461500304_terseLabel_en-US" xlink:label="lab_san_NumberOfCreditRiskCategories" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of credit risk categories</link:label>
    <link:label id="lab_san_NumberOfCreditRiskCategories_label_en-US" xlink:label="lab_san_NumberOfCreditRiskCategories" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Credit Risk Categories</link:label>
    <link:label id="lab_san_NumberOfCreditRiskCategories_documentation_en-US" xlink:label="lab_san_NumberOfCreditRiskCategories" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Of Credit Risk Categories</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfCreditRiskCategories" xlink:href="san-20251231.xsd#san_NumberOfCreditRiskCategories"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfCreditRiskCategories" xlink:to="lab_san_NumberOfCreditRiskCategories" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MemorandumItemsDomain_019ca0fb-ca4e-7d8b-9718-872812aedfea_terseLabel_en-US" xlink:label="lab_san_MemorandumItemsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Memorandum Items [Domain]</link:label>
    <link:label id="lab_san_MemorandumItemsDomain_label_en-US" xlink:label="lab_san_MemorandumItemsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Memorandum Items [Domain]</link:label>
    <link:label id="lab_san_MemorandumItemsDomain_documentation_en-US" xlink:label="lab_san_MemorandumItemsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Memorandum Items [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MemorandumItemsDomain" xlink:href="san-20251231.xsd#san_MemorandumItemsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MemorandumItemsDomain" xlink:to="lab_san_MemorandumItemsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherRisksMember_019ca0fb-cbee-7220-a193-1a6f57bd29ac_terseLabel_en-US" xlink:label="lab_san_OtherRisksMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other risks</link:label>
    <link:label id="lab_san_OtherRisksMember_label_en-US" xlink:label="lab_san_OtherRisksMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Risks [Member]</link:label>
    <link:label id="lab_san_OtherRisksMember_documentation_en-US" xlink:label="lab_san_OtherRisksMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for other types of risk not separately disclosed.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherRisksMember" xlink:href="san-20251231.xsd#san_OtherRisksMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherRisksMember" xlink:to="lab_san_OtherRisksMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfLoansAndAdvancesToCustomersInDetailByActivityTableTextBlock_019ca0fb-c94e-7f0a-ae66-29f69a75b0cb_terseLabel_en-US" xlink:label="lab_san_DisclosureOfLoansAndAdvancesToCustomersInDetailByActivityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of loans and advances to customers in detail by activity</link:label>
    <link:label id="lab_san_DisclosureOfLoansAndAdvancesToCustomersInDetailByActivityTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfLoansAndAdvancesToCustomersInDetailByActivityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Loans And Advances To Customers In Detail By Activity [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfLoansAndAdvancesToCustomersInDetailByActivityTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfLoansAndAdvancesToCustomersInDetailByActivityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of loans and advances to customers in detail by activity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfLoansAndAdvancesToCustomersInDetailByActivityTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfLoansAndAdvancesToCustomersInDetailByActivityTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfLoansAndAdvancesToCustomersInDetailByActivityTableTextBlock" xlink:to="lab_san_DisclosureOfLoansAndAdvancesToCustomersInDetailByActivityTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedIncomeStatementTable_019ca0fb-c94e-7bdc-bc24-08e2a51ab798_terseLabel_en-US" xlink:label="lab_srt_CondensedIncomeStatementTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Income Statement [Table]</link:label>
    <link:label id="lab_srt_CondensedIncomeStatementTable_label_en-US" xlink:label="lab_srt_CondensedIncomeStatementTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Income Statement [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedIncomeStatementTable" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CondensedIncomeStatementTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedIncomeStatementTable" xlink:to="lab_srt_CondensedIncomeStatementTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderBrasilInDecember2025Member_019ca0fb-c94e-7fd7-817b-c78cb0e73d62_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderBrasilInDecember2025Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander Brasil In December 2025</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderBrasilInDecember2025Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderBrasilInDecember2025Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander Brasil In December 2025 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderBrasilInDecember2025Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderBrasilInDecember2025Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander Brasil In December 2025</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderBrasilInDecember2025Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderBrasilInDecember2025Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderBrasilInDecember2025Member" xlink:to="lab_san_IssuanceByBancoSantanderBrasilInDecember2025Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsTable_019ca0fb-cb6b-7430-b85c-5961eead64d9_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of maturity analysis of operating lease payments [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of maturity analysis of operating lease payments [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsTable" xlink:to="lab_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfAttributionOfExpensesByNatureToTheirFunctionLineItems_019ca0fb-c94e-788f-bca4-17567d6aafe1_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfAttributionOfExpensesByNatureToTheirFunctionLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of attribution of expenses by nature to their function [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfAttributionOfExpensesByNatureToTheirFunctionLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfAttributionOfExpensesByNatureToTheirFunctionLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of attribution of expenses by nature to their function [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfAttributionOfExpensesByNatureToTheirFunctionLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfAttributionOfExpensesByNatureToTheirFunctionLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfAttributionOfExpensesByNatureToTheirFunctionLineItems" xlink:to="lab_ifrs-full_DisclosureOfAttributionOfExpensesByNatureToTheirFunctionLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneNumberOfSalesProgramsWithConversionRateOptimizationRollOut_019ca0fb-cad3-7198-be6b-c6e469088b74_terseLabel_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneNumberOfSalesProgramsWithConversionRateOptimizationRollOut" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of sales programs with conversion rate optimization roll-out</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneNumberOfSalesProgramsWithConversionRateOptimizationRollOut_label_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneNumberOfSalesProgramsWithConversionRateOptimizationRollOut" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Number Of Sales Programs With Conversion Rate Optimization Roll-Out</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneNumberOfSalesProgramsWithConversionRateOptimizationRollOut_documentation_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneNumberOfSalesProgramsWithConversionRateOptimizationRollOut" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Number Of Sales Programs With Conversion Rate Optimization Roll-Out</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableRemunerationMilestoneNumberOfSalesProgramsWithConversionRateOptimizationRollOut" xlink:href="san-20251231.xsd#san_DeferredVariableRemunerationMilestoneNumberOfSalesProgramsWithConversionRateOptimizationRollOut"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableRemunerationMilestoneNumberOfSalesProgramsWithConversionRateOptimizationRollOut" xlink:to="lab_san_DeferredVariableRemunerationMilestoneNumberOfSalesProgramsWithConversionRateOptimizationRollOut" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InflowsOfCashFromFinancingActivities_019ca0fb-cbee-79d1-a66c-8600d26bc86d_totalLabel_en-US" xlink:label="lab_san_InflowsOfCashFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Proceeds</link:label>
    <link:label id="lab_san_InflowsOfCashFromFinancingActivities_label_en-US" xlink:label="lab_san_InflowsOfCashFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Inflows Of Cash From Financing Activities</link:label>
    <link:label id="lab_san_InflowsOfCashFromFinancingActivities_documentation_en-US" xlink:label="lab_san_InflowsOfCashFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The cash inflow from financing activities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InflowsOfCashFromFinancingActivities" xlink:href="san-20251231.xsd#san_InflowsOfCashFromFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InflowsOfCashFromFinancingActivities" xlink:to="lab_san_InflowsOfCashFromFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_CLP_019ca0fb-c94e-7f25-903c-231f04847afb_terseLabel_en-US" xlink:label="lab_currency_CLP" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Chilean peso</link:label>
    <link:label id="lab_currency_CLP_label_en-US" xlink:label="lab_currency_CLP" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Chile, Pesos</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_CLP" xlink:href="https://xbrl.sec.gov/currency/2025/currency-2025.xsd#currency_CLP"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_CLP" xlink:to="lab_currency_CLP" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ExpectedCreditLossesIndividuallyAssessedMember_019ca0fb-ca4e-76c8-8489-0fad62715cad_terseLabel_en-US" xlink:label="lab_ifrs-full_ExpectedCreditLossesIndividuallyAssessedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Individually calculated</link:label>
    <link:label id="lab_ifrs-full_ExpectedCreditLossesIndividuallyAssessedMember_label_en-US" xlink:label="lab_ifrs-full_ExpectedCreditLossesIndividuallyAssessedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Expected credit losses individually assessed [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ExpectedCreditLossesIndividuallyAssessedMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ExpectedCreditLossesIndividuallyAssessedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ExpectedCreditLossesIndividuallyAssessedMember" xlink:to="lab_ifrs-full_ExpectedCreditLossesIndividuallyAssessedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LevelsOfFairValueHierarchyAxis_019ca0fb-c9cd-7af5-b02a-1198a8f3efd8_terseLabel_en-US" xlink:label="lab_ifrs-full_LevelsOfFairValueHierarchyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Levels of fair value hierarchy [axis]</link:label>
    <link:label id="lab_ifrs-full_LevelsOfFairValueHierarchyAxis_label_en-US" xlink:label="lab_ifrs-full_LevelsOfFairValueHierarchyAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Levels of fair value hierarchy [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LevelsOfFairValueHierarchyAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LevelsOfFairValueHierarchyAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LevelsOfFairValueHierarchyAxis" xlink:to="lab_ifrs-full_LevelsOfFairValueHierarchyAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AmericanDepositaryReceiptShareEquivalent_019ca0fb-cb6b-7c39-b3d0-8ed84d89e3bd_terseLabel_en-US" xlink:label="lab_san_AmericanDepositaryReceiptShareEquivalent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">American depositary receipt, share equivalent (in shares)</link:label>
    <link:label id="lab_san_AmericanDepositaryReceiptShareEquivalent_label_en-US" xlink:label="lab_san_AmericanDepositaryReceiptShareEquivalent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">American Depositary Receipt, Share Equivalent</link:label>
    <link:label id="lab_san_AmericanDepositaryReceiptShareEquivalent_documentation_en-US" xlink:label="lab_san_AmericanDepositaryReceiptShareEquivalent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of entity shares equivalent to an American Depositary Receipt (BDR) listed on the New York Stock Exchange.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AmericanDepositaryReceiptShareEquivalent" xlink:href="san-20251231.xsd#san_AmericanDepositaryReceiptShareEquivalent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AmericanDepositaryReceiptShareEquivalent" xlink:to="lab_san_AmericanDepositaryReceiptShareEquivalent" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ConsiderationPaidReceived_019ca0fb-cb6b-78c1-ac19-cd3395f30448_terseLabel_en-US" xlink:label="lab_ifrs-full_ConsiderationPaidReceived" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consideration paid (received)</link:label>
    <link:label id="lab_ifrs-full_ConsiderationPaidReceived_label_en-US" xlink:label="lab_ifrs-full_ConsiderationPaidReceived" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consideration paid (received)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ConsiderationPaidReceived" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ConsiderationPaidReceived"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ConsiderationPaidReceived" xlink:to="lab_ifrs-full_ConsiderationPaidReceived" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory_019ca0fb-ca4d-785f-9630-268e89efa485_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Offsetting of financial instruments</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description of accounting policy for offsetting of financial instruments [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory" xlink:to="lab_ifrs-full_DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ImpairmentLossReversalOfImpairmentOfInvestmentsInSubsidiariesJointVenturesAndAssociatesNet_019ca0fb-c94e-7d89-8969-aa7fbeec3ab4_negatedLabel_en-US" xlink:label="lab_san_ImpairmentLossReversalOfImpairmentOfInvestmentsInSubsidiariesJointVenturesAndAssociatesNet" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Impairment or reversal of impairment of investments in subsidiaries, joint ventures and associates, net</link:label>
    <link:label id="lab_san_ImpairmentLossReversalOfImpairmentOfInvestmentsInSubsidiariesJointVenturesAndAssociatesNet_label_en-US" xlink:label="lab_san_ImpairmentLossReversalOfImpairmentOfInvestmentsInSubsidiariesJointVenturesAndAssociatesNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment Loss Reversal Of Impairment Of Investments In Subsidiaries Joint Ventures And Associates, Net</link:label>
    <link:label id="lab_san_ImpairmentLossReversalOfImpairmentOfInvestmentsInSubsidiariesJointVenturesAndAssociatesNet_documentation_en-US" xlink:label="lab_san_ImpairmentLossReversalOfImpairmentOfInvestmentsInSubsidiariesJointVenturesAndAssociatesNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net amount of impairment loss or reversal of impairment of investments in subsidiaries, joint ventures and associates recognized in profit or loss.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ImpairmentLossReversalOfImpairmentOfInvestmentsInSubsidiariesJointVenturesAndAssociatesNet" xlink:href="san-20251231.xsd#san_ImpairmentLossReversalOfImpairmentOfInvestmentsInSubsidiariesJointVenturesAndAssociatesNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ImpairmentLossReversalOfImpairmentOfInvestmentsInSubsidiariesJointVenturesAndAssociatesNet" xlink:to="lab_san_ImpairmentLossReversalOfImpairmentOfInvestmentsInSubsidiariesJointVenturesAndAssociatesNet" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BuildingsAndOtherConstructionsUnderConstructionMember_019ca0fb-ca4e-785b-b90b-9cd0b1ce41e7_terseLabel_en-US" xlink:label="lab_san_BuildingsAndOtherConstructionsUnderConstructionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Buildings under construction</link:label>
    <link:label id="lab_san_BuildingsAndOtherConstructionsUnderConstructionMember_label_en-US" xlink:label="lab_san_BuildingsAndOtherConstructionsUnderConstructionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Buildings And Other Constructions Under Construction [Member]</link:label>
    <link:label id="lab_san_BuildingsAndOtherConstructionsUnderConstructionMember_documentation_en-US" xlink:label="lab_san_BuildingsAndOtherConstructionsUnderConstructionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for construction and property development loans related to projects under construction.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BuildingsAndOtherConstructionsUnderConstructionMember" xlink:href="san-20251231.xsd#san_BuildingsAndOtherConstructionsUnderConstructionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BuildingsAndOtherConstructionsUnderConstructionMember" xlink:to="lab_san_BuildingsAndOtherConstructionsUnderConstructionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InMarch2025Member_019ca0fb-ca4e-7653-bc4c-d3cc79cd6fec_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InMarch2025Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In March 2025</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InMarch2025Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InMarch2025Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In March 2025 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InMarch2025Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InMarch2025Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In March 2025</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderS.A.InMarch2025Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderS.A.InMarch2025Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderS.A.InMarch2025Member" xlink:to="lab_san_IssuanceByBancoSantanderS.A.InMarch2025Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems_019ca0fb-cc70-73b8-a3e1-1e2d06eba641_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about hedged items [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about hedged items [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems" xlink:to="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LifeAndAccidentInsuranceCoverageLimit_019ca0fb-cbee-70fe-b77c-808aaa1ac3e6_terseLabel_en-US" xlink:label="lab_san_LifeAndAccidentInsuranceCoverageLimit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capital insured by life and accident insurance</link:label>
    <link:label id="lab_san_LifeAndAccidentInsuranceCoverageLimit_label_en-US" xlink:label="lab_san_LifeAndAccidentInsuranceCoverageLimit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Life And Accident Insurance, Coverage Limit</link:label>
    <link:label id="lab_san_LifeAndAccidentInsuranceCoverageLimit_documentation_en-US" xlink:label="lab_san_LifeAndAccidentInsuranceCoverageLimit" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Coverage limit provided by the insurance arrangement for life and accident insurance claims.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LifeAndAccidentInsuranceCoverageLimit" xlink:href="san-20251231.xsd#san_LifeAndAccidentInsuranceCoverageLimit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LifeAndAccidentInsuranceCoverageLimit" xlink:to="lab_san_LifeAndAccidentInsuranceCoverageLimit" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_019ca0fb-cbee-7ec1-bb5d-c3af5578aafb_negatedLabel_en-US" xlink:label="lab_ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Gross amount of financial assets offset in the balance sheet</link:label>
    <link:label id="lab_ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_label_en-US" xlink:label="lab_ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gross financial liabilities set off against financial assets subject to offsetting, enforceable master netting arrangements or similar agreements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:to="lab_ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BrokerageFeeIncomeAdministrationAndCustody_019ca0fb-c9cd-7886-9f46-a0e433d99f1c_terseLabel_en-US" xlink:label="lab_san_BrokerageFeeIncomeAdministrationAndCustody" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Administration and custody</link:label>
    <link:label id="lab_san_BrokerageFeeIncomeAdministrationAndCustody_label_en-US" xlink:label="lab_san_BrokerageFeeIncomeAdministrationAndCustody" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Brokerage Fee Income Administration And Custody</link:label>
    <link:label id="lab_san_BrokerageFeeIncomeAdministrationAndCustody_documentation_en-US" xlink:label="lab_san_BrokerageFeeIncomeAdministrationAndCustody" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of income recognised for brokerage fees charged by the entity from administration and custody.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BrokerageFeeIncomeAdministrationAndCustody" xlink:href="san-20251231.xsd#san_BrokerageFeeIncomeAdministrationAndCustody"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BrokerageFeeIncomeAdministrationAndCustody" xlink:to="lab_san_BrokerageFeeIncomeAdministrationAndCustody" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InvestmentsAccountedForUsingEquityMethodMember_019ca0fb-cc70-7314-a0af-af363c65c4ae_terseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentsAccountedForUsingEquityMethodMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Investments</link:label>
    <link:label id="lab_ifrs-full_InvestmentsAccountedForUsingEquityMethodMember_label_en-US" xlink:label="lab_ifrs-full_InvestmentsAccountedForUsingEquityMethodMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments accounted for using equity method [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InvestmentsAccountedForUsingEquityMethodMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InvestmentsAccountedForUsingEquityMethodMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InvestmentsAccountedForUsingEquityMethodMember" xlink:to="lab_ifrs-full_InvestmentsAccountedForUsingEquityMethodMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CalledUpPaidCapital_019ca0fb-ca4e-7f31-aed2-9ac3c9e18e94_terseLabel_en-US" xlink:label="lab_san_CalledUpPaidCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Called up paid capital</link:label>
    <link:label id="lab_san_CalledUpPaidCapital_label_en-US" xlink:label="lab_san_CalledUpPaidCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Called Up Paid Capital</link:label>
    <link:label id="lab_san_CalledUpPaidCapital_documentation_en-US" xlink:label="lab_san_CalledUpPaidCapital" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Called Up Paid Capital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CalledUpPaidCapital" xlink:href="san-20251231.xsd#san_CalledUpPaidCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CalledUpPaidCapital" xlink:to="lab_san_CalledUpPaidCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfNonControllingInterestFinancialInformationExplanatoryTableTextBlock_019ca0fb-c94e-772f-be4d-28e46e797179_terseLabel_en-US" xlink:label="lab_san_DisclosureOfNonControllingInterestFinancialInformationExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of financial information on the subsidiaries with significant non-controlling interests</link:label>
    <link:label id="lab_san_DisclosureOfNonControllingInterestFinancialInformationExplanatoryTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfNonControllingInterestFinancialInformationExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Non-Controlling Interest Financial Information Explanatory [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfNonControllingInterestFinancialInformationExplanatoryTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfNonControllingInterestFinancialInformationExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of financial information on subsidiaries with significant non-controlling Interests.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfNonControllingInterestFinancialInformationExplanatoryTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfNonControllingInterestFinancialInformationExplanatoryTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfNonControllingInterestFinancialInformationExplanatoryTableTextBlock" xlink:to="lab_san_DisclosureOfNonControllingInterestFinancialInformationExplanatoryTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesTableTextBlock_019ca0fb-cbee-7b0e-994a-2859be7a4cf7_terseLabel_en-US" xlink:label="lab_san_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of fair values of financial assets and liabilities</link:label>
    <link:label id="lab_san_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Fair Value Measurement Of Assets And Liabilities [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of the fair value measurement of assets and liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesTableTextBlock" xlink:to="lab_san_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BuyToLetMortgagesMortgagePortfolioPercentage_019ca0fb-cc70-77e8-b4c1-2c7e9f224afc_terseLabel_en-US" xlink:label="lab_san_BuyToLetMortgagesMortgagePortfolioPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Buy to let mortgages, mortgage portfolio, percentage</link:label>
    <link:label id="lab_san_BuyToLetMortgagesMortgagePortfolioPercentage_label_en-US" xlink:label="lab_san_BuyToLetMortgagesMortgagePortfolioPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Buy To Let Mortgages, Mortgage Portfolio, Percentage</link:label>
    <link:label id="lab_san_BuyToLetMortgagesMortgagePortfolioPercentage_documentation_en-US" xlink:label="lab_san_BuyToLetMortgagesMortgagePortfolioPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Buy To Let Mortgages, Mortgage Portfolio, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BuyToLetMortgagesMortgagePortfolioPercentage" xlink:href="san-20251231.xsd#san_BuyToLetMortgagesMortgagePortfolioPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BuyToLetMortgagesMortgagePortfolioPercentage" xlink:to="lab_san_BuyToLetMortgagesMortgagePortfolioPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAssetHoldingPeriod_019ca0fb-c94e-7c8e-9032-95f3f8442e9e_terseLabel_en-US" xlink:label="lab_san_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAssetHoldingPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Holding period for shares issued in settlement of pension obligations</link:label>
    <link:label id="lab_san_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAssetHoldingPeriod_label_en-US" xlink:label="lab_san_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAssetHoldingPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments In Respect Of Settlements, Net Defined Benefit Liability (Asset), Holding Period</link:label>
    <link:label id="lab_san_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAssetHoldingPeriod_documentation_en-US" xlink:label="lab_san_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAssetHoldingPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The holding period for shares issued in settlement of defined-benefit pension obligations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAssetHoldingPeriod" xlink:href="san-20251231.xsd#san_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAssetHoldingPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAssetHoldingPeriod" xlink:to="lab_san_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAssetHoldingPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCentralIndexKey_019ca0fb-cb6b-70a1-8fb4-4984895cd1c0_terseLabel_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:label id="lab_dei_EntityCentralIndexKey_label_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCentralIndexKey"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCentralIndexKey" xlink:to="lab_dei_EntityCentralIndexKey" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InflowsOfCashFromInvestingActivities_019ca0fb-cad2-7475-84e7-7dfcd6a89468_totalLabel_en-US" xlink:label="lab_ifrs-full_InflowsOfCashFromInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Proceeds</link:label>
    <link:label id="lab_ifrs-full_InflowsOfCashFromInvestingActivities_019ca0fb-cad2-7f2f-94c2-5d052d590d76_verboseLabel_en-US" xlink:label="lab_ifrs-full_InflowsOfCashFromInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Divestments (+)</link:label>
    <link:label id="lab_ifrs-full_InflowsOfCashFromInvestingActivities_label_en-US" xlink:label="lab_ifrs-full_InflowsOfCashFromInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Inflows of cash from investing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InflowsOfCashFromInvestingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InflowsOfCashFromInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InflowsOfCashFromInvestingActivities" xlink:to="lab_ifrs-full_InflowsOfCashFromInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions_019ca0fb-cb6b-7425-83b0-81d2761b6f77_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase through other costs associated</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Other Costs Associated, Other Provisions</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Other Costs Associated, Other Provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions" xlink:to="lab_san_IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherPaymentsOfCashClassifiedAsInvestingActivities_019ca0fb-cad3-7fec-b059-e7e1d0cc9fdd_terseLabel_en-US" xlink:label="lab_san_OtherPaymentsOfCashClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other payments related to investing activities</link:label>
    <link:label id="lab_san_OtherPaymentsOfCashClassifiedAsInvestingActivities_label_en-US" xlink:label="lab_san_OtherPaymentsOfCashClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Payments Of Cash, Classified As Investing Activities</link:label>
    <link:label id="lab_san_OtherPaymentsOfCashClassifiedAsInvestingActivities_documentation_en-US" xlink:label="lab_san_OtherPaymentsOfCashClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Payments Of Cash, Classified As Investing Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherPaymentsOfCashClassifiedAsInvestingActivities" xlink:href="san-20251231.xsd#san_OtherPaymentsOfCashClassifiedAsInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherPaymentsOfCashClassifiedAsInvestingActivities" xlink:to="lab_san_OtherPaymentsOfCashClassifiedAsInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProfessionalFeesExpense_019ca0fb-c9cd-7fb1-877a-b0e6ce600c48_terseLabel_en-US" xlink:label="lab_ifrs-full_ProfessionalFeesExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commissioned services from audit firms</link:label>
    <link:label id="lab_ifrs-full_ProfessionalFeesExpense_label_en-US" xlink:label="lab_ifrs-full_ProfessionalFeesExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Professional fees expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProfessionalFeesExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProfessionalFeesExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProfessionalFeesExpense" xlink:to="lab_ifrs-full_ProfessionalFeesExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfTradingDerivativesAndShortPositionsTextBlock_019ca0fb-cbee-785b-9d37-141809fe7d41_terseLabel_en-US" xlink:label="lab_san_DisclosureOfTradingDerivativesAndShortPositionsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading derivatives (assets and liabilities) and short positions</link:label>
    <link:label id="lab_san_DisclosureOfTradingDerivativesAndShortPositionsTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfTradingDerivativesAndShortPositionsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Trading Derivatives And Short Positions [Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfTradingDerivativesAndShortPositionsTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfTradingDerivativesAndShortPositionsTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of derivatives (assets and liabilities) and short positions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfTradingDerivativesAndShortPositionsTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfTradingDerivativesAndShortPositionsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfTradingDerivativesAndShortPositionsTextBlock" xlink:to="lab_san_DisclosureOfTradingDerivativesAndShortPositionsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AdjustmentDueToPolandDisposalMember_019ca0fb-c94e-78c9-97d8-1d1b59674bf2_terseLabel_en-US" xlink:label="lab_san_AdjustmentDueToPolandDisposalMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustments related to the Poland disposal</link:label>
    <link:label id="lab_san_AdjustmentDueToPolandDisposalMember_label_en-US" xlink:label="lab_san_AdjustmentDueToPolandDisposalMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment Due To Poland Disposal [Member]</link:label>
    <link:label id="lab_san_AdjustmentDueToPolandDisposalMember_documentation_en-US" xlink:label="lab_san_AdjustmentDueToPolandDisposalMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Adjustment Due To Poland Disposal</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AdjustmentDueToPolandDisposalMember" xlink:href="san-20251231.xsd#san_AdjustmentDueToPolandDisposalMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AdjustmentDueToPolandDisposalMember" xlink:to="lab_san_AdjustmentDueToPolandDisposalMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset_019ca0fb-cb6b-72bb-8ce5-7ea8b08e4e3f_negatedLabel_en-US" xlink:label="lab_san_EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Effect of curtailment/settlement</link:label>
    <link:label id="lab_san_EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_san_EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effect Of Curtailment Settlement Defined Benefit Liability Asset</link:label>
    <link:label id="lab_san_EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset_documentation_en-US" xlink:label="lab_san_EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Effect of curtailment/settlement on defined benefit liability asset.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset" xlink:href="san-20251231.xsd#san_EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset" xlink:to="lab_san_EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherResultsAndProvisions_019ca0fb-c9cd-7b86-b69e-af276e017873_negatedTerseLabel_en-US" xlink:label="lab_san_OtherResultsAndProvisions" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Other results and provisions</link:label>
    <link:label id="lab_san_OtherResultsAndProvisions_label_en-US" xlink:label="lab_san_OtherResultsAndProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Results And Provisions</link:label>
    <link:label id="lab_san_OtherResultsAndProvisions_documentation_en-US" xlink:label="lab_san_OtherResultsAndProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Results And Provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherResultsAndProvisions" xlink:href="san-20251231.xsd#san_OtherResultsAndProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherResultsAndProvisions" xlink:to="lab_san_OtherResultsAndProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic_019ca0fb-cad3-757e-8e89-a5456cd10f99_terseLabel_en-US" xlink:label="lab_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Risk exposure associated with instruments sharing characteristic</link:label>
    <link:label id="lab_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic_019ca0fb-cad3-767b-9e9a-ab57adaab9b3_netLabel_en-US" xlink:label="lab_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Excess of gross exposure over maximum recoverable amount of effective collateral</link:label>
    <link:label id="lab_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic_019ca0fb-cad3-7f29-bcb1-1344c0eb7865_verboseLabel_en-US" xlink:label="lab_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Risk exposure</link:label>
    <link:label id="lab_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic_label_en-US" xlink:label="lab_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Risk exposure associated with instruments sharing characteristic</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic" xlink:to="lab_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions_019ca0fb-ca4e-729a-b32f-3324d15c090f_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of trading sessions</link:label>
    <link:label id="lab_san_VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions_label_en-US" xlink:label="lab_san_VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Weighted Average Share Prices, Number Of Trading Sessions</link:label>
    <link:label id="lab_san_VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions_documentation_en-US" xlink:label="lab_san_VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of trading sessions used in calculation of volume-weighted average share prices.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions" xlink:href="san-20251231.xsd#san_VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions" xlink:to="lab_san_VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InsuranceExpense_019ca0fb-cad3-7b64-85c7-82bb389fe110_terseLabel_en-US" xlink:label="lab_ifrs-full_InsuranceExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurance premiums</link:label>
    <link:label id="lab_ifrs-full_InsuranceExpense_label_en-US" xlink:label="lab_ifrs-full_InsuranceExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InsuranceExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InsuranceExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InsuranceExpense" xlink:to="lab_ifrs-full_InsuranceExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SeniorUnsecuredDebtMember_019ca0fb-c9cd-7bb8-8df8-9d969f5e0945_terseLabel_en-US" xlink:label="lab_san_SeniorUnsecuredDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Senior unsecured debt</link:label>
    <link:label id="lab_san_SeniorUnsecuredDebtMember_label_en-US" xlink:label="lab_san_SeniorUnsecuredDebtMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Senior Unsecured Debt [Member]</link:label>
    <link:label id="lab_san_SeniorUnsecuredDebtMember_documentation_en-US" xlink:label="lab_san_SeniorUnsecuredDebtMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Senior Unsecured Debt [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SeniorUnsecuredDebtMember" xlink:href="san-20251231.xsd#san_SeniorUnsecuredDebtMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SeniorUnsecuredDebtMember" xlink:to="lab_san_SeniorUnsecuredDebtMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OECDMember_019ca0fb-ca4e-7d70-bf47-830cda06ea4f_terseLabel_en-US" xlink:label="lab_san_OECDMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">OECD</link:label>
    <link:label id="lab_san_OECDMember_label_en-US" xlink:label="lab_san_OECDMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">OECD [Member]</link:label>
    <link:label id="lab_san_OECDMember_documentation_en-US" xlink:label="lab_san_OECDMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">OECD</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OECDMember" xlink:href="san-20251231.xsd#san_OECDMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OECDMember" xlink:to="lab_san_OECDMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillExplanatory_019ca0fb-cbee-7a7c-9ac3-70cfd253a171_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of goodwill and changes in goodwill</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of reconciliation of changes in goodwill [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillExplanatory" xlink:to="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TierOneLeverageCapitalExposureAverageAssets_019ca0fb-cbee-7a4d-81d1-2c603d6f14ff_terseLabel_en-US" xlink:label="lab_san_TierOneLeverageCapitalExposureAverageAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exposure</link:label>
    <link:label id="lab_san_TierOneLeverageCapitalExposureAverageAssets_label_en-US" xlink:label="lab_san_TierOneLeverageCapitalExposureAverageAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tier One Leverage Capital Exposure, Average Assets</link:label>
    <link:label id="lab_san_TierOneLeverageCapitalExposureAverageAssets_documentation_en-US" xlink:label="lab_san_TierOneLeverageCapitalExposureAverageAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of average assets, as calculated in accordance with international regulatory capital standards.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TierOneLeverageCapitalExposureAverageAssets" xlink:href="san-20251231.xsd#san_TierOneLeverageCapitalExposureAverageAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TierOneLeverageCapitalExposureAverageAssets" xlink:to="lab_san_TierOneLeverageCapitalExposureAverageAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax_019ca0fb-ca4e-7c89-ae64-95ddff7ffa79_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revaluation gains (losses)</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax_label_en-US" xlink:label="lab_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (losses) on cash flow hedges, before tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax" xlink:to="lab_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DiscountedCashFlowMember_019ca0fb-cb6b-74c0-bf99-831e67eeca5f_terseLabel_en-US" xlink:label="lab_ifrs-full_DiscountedCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discounted Cash Flows</link:label>
    <link:label id="lab_ifrs-full_DiscountedCashFlowMember_label_en-US" xlink:label="lab_ifrs-full_DiscountedCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Discounted cash flow [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DiscountedCashFlowMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DiscountedCashFlowMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DiscountedCashFlowMember" xlink:to="lab_ifrs-full_DiscountedCashFlowMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RestOfEquity_019ca0fb-cbee-7a8b-894e-b83f02f7f83d_terseLabel_en-US" xlink:label="lab_san_RestOfEquity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rest of equity</link:label>
    <link:label id="lab_san_RestOfEquity_label_en-US" xlink:label="lab_san_RestOfEquity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Rest Of Equity</link:label>
    <link:label id="lab_san_RestOfEquity_documentation_en-US" xlink:label="lab_san_RestOfEquity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Rest Of Equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RestOfEquity" xlink:href="san-20251231.xsd#san_RestOfEquity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RestOfEquity" xlink:to="lab_san_RestOfEquity" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PositiveImpactOnCommonEquityTierOneCapitalRadio_019ca0fb-cc70-7da5-992a-648b39d31416_terseLabel_en-US" xlink:label="lab_san_PositiveImpactOnCommonEquityTierOneCapitalRadio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Positive impact on CET1</link:label>
    <link:label id="lab_san_PositiveImpactOnCommonEquityTierOneCapitalRadio_label_en-US" xlink:label="lab_san_PositiveImpactOnCommonEquityTierOneCapitalRadio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Positive Impact On Common Equity Tier One Capital Radio</link:label>
    <link:label id="lab_san_PositiveImpactOnCommonEquityTierOneCapitalRadio_documentation_en-US" xlink:label="lab_san_PositiveImpactOnCommonEquityTierOneCapitalRadio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Positive Impact On Common Equity Tier One Capital Radio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PositiveImpactOnCommonEquityTierOneCapitalRadio" xlink:href="san-20251231.xsd#san_PositiveImpactOnCommonEquityTierOneCapitalRadio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PositiveImpactOnCommonEquityTierOneCapitalRadio" xlink:to="lab_san_PositiveImpactOnCommonEquityTierOneCapitalRadio" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MethodOfAssessmentOfExpectedCreditLossesAxis_019ca0fb-cad3-79b3-a90b-47e1eb2ccf95_terseLabel_en-US" xlink:label="lab_ifrs-full_MethodOfAssessmentOfExpectedCreditLossesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Method of assessment of expected credit losses [axis]</link:label>
    <link:label id="lab_ifrs-full_MethodOfAssessmentOfExpectedCreditLossesAxis_label_en-US" xlink:label="lab_ifrs-full_MethodOfAssessmentOfExpectedCreditLossesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Method of assessment of expected credit losses [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MethodOfAssessmentOfExpectedCreditLossesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MethodOfAssessmentOfExpectedCreditLossesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MethodOfAssessmentOfExpectedCreditLossesAxis" xlink:to="lab_ifrs-full_MethodOfAssessmentOfExpectedCreditLossesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfChangesInFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock_019ca0fb-cb6b-7a2b-8192-6513d753088c_verboseLabel_en-US" xlink:label="lab_san_DisclosureOfChangesInFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of changes in financial assets at fair value through other comprehensive income</link:label>
    <link:label id="lab_san_DisclosureOfChangesInFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfChangesInFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Changes In Financial Assets At Fair Value Through Other Comprehensive Income [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfChangesInFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfChangesInFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Changes In Financial Assets At Fair Value Through Other Comprehensive Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfChangesInFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfChangesInFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfChangesInFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" xlink:to="lab_san_DisclosureOfChangesInFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AttendanceFeesAndCommissionsMember_019ca0fb-ca4e-750d-9fb9-85889d5c8bb5_terseLabel_en-US" xlink:label="lab_san_AttendanceFeesAndCommissionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Attendance Fees And Commissions</link:label>
    <link:label id="lab_san_AttendanceFeesAndCommissionsMember_label_en-US" xlink:label="lab_san_AttendanceFeesAndCommissionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Attendance Fees And Commissions [Member]</link:label>
    <link:label id="lab_san_AttendanceFeesAndCommissionsMember_documentation_en-US" xlink:label="lab_san_AttendanceFeesAndCommissionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Attendance Fees And Commissions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AttendanceFeesAndCommissionsMember" xlink:href="san-20251231.xsd#san_AttendanceFeesAndCommissionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AttendanceFeesAndCommissionsMember" xlink:to="lab_san_AttendanceFeesAndCommissionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfChangesInBondsAndDebenturesOutstandingTableTextBlock_019ca0fb-cad3-7037-b87c-f5b23142ccc4_terseLabel_en-US" xlink:label="lab_san_DisclosureOfChangesInBondsAndDebenturesOutstandingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of changes in bonds and debentures outstanding</link:label>
    <link:label id="lab_san_DisclosureOfChangesInBondsAndDebenturesOutstandingTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfChangesInBondsAndDebenturesOutstandingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Changes In Bonds And Debentures Outstanding [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfChangesInBondsAndDebenturesOutstandingTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfChangesInBondsAndDebenturesOutstandingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Changes In Bonds And Debentures Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfChangesInBondsAndDebenturesOutstandingTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfChangesInBondsAndDebenturesOutstandingTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfChangesInBondsAndDebenturesOutstandingTableTextBlock" xlink:to="lab_san_DisclosureOfChangesInBondsAndDebenturesOutstandingTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialEffectOfCorrectionsOfAccountingErrorsMember_019ca0fb-cbee-76c9-9316-efca18bf3c3d_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialEffectOfCorrectionsOfAccountingErrorsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustments due to errors</link:label>
    <link:label id="lab_ifrs-full_FinancialEffectOfCorrectionsOfAccountingErrorsMember_label_en-US" xlink:label="lab_ifrs-full_FinancialEffectOfCorrectionsOfAccountingErrorsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) due to corrections of prior period errors [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialEffectOfCorrectionsOfAccountingErrorsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialEffectOfCorrectionsOfAccountingErrorsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialEffectOfCorrectionsOfAccountingErrorsMember" xlink:to="lab_ifrs-full_FinancialEffectOfCorrectionsOfAccountingErrorsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredTaxAssetsNotRecognized_019ca0fb-cad3-727e-83d1-529ee3b2c196_terseLabel_en-US" xlink:label="lab_san_DeferredTaxAssetsNotRecognized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred tax assets not recognized</link:label>
    <link:label id="lab_san_DeferredTaxAssetsNotRecognized_label_en-US" xlink:label="lab_san_DeferredTaxAssetsNotRecognized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets Not Recognized</link:label>
    <link:label id="lab_san_DeferredTaxAssetsNotRecognized_documentation_en-US" xlink:label="lab_san_DeferredTaxAssetsNotRecognized" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of deferred tax assets subject to requirements not recognized for the period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredTaxAssetsNotRecognized" xlink:href="san-20251231.xsd#san_DeferredTaxAssetsNotRecognized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredTaxAssetsNotRecognized" xlink:to="lab_san_DeferredTaxAssetsNotRecognized" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations_019ca0fb-cb6b-72d6-9a9c-bb6e94946d29_terseLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">B) Cash flows from investing activities</link:label>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations_label_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash flows from (used in) investing activities, discontinued operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations" xlink:to="lab_ifrs-full_CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InternallyAdaptedCreditGradesDomain_019ca0fb-cbee-7646-8921-928423968eeb_terseLabel_en-US" xlink:label="lab_san_InternallyAdaptedCreditGradesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Internally Adapted Credit Grades [Domain]</link:label>
    <link:label id="lab_san_InternallyAdaptedCreditGradesDomain_label_en-US" xlink:label="lab_san_InternallyAdaptedCreditGradesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Internally Adapted Credit Grades [Domain]</link:label>
    <link:label id="lab_san_InternallyAdaptedCreditGradesDomain_documentation_en-US" xlink:label="lab_san_InternallyAdaptedCreditGradesDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Internally Adapted Credit Grades [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InternallyAdaptedCreditGradesDomain" xlink:href="san-20251231.xsd#san_InternallyAdaptedCreditGradesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InternallyAdaptedCreditGradesDomain" xlink:to="lab_san_InternallyAdaptedCreditGradesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromMiscellaneousOtherChanges_019ca0fb-ca4e-7eb4-ad77-a8a9a6fe3ad7_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromMiscellaneousOtherChanges" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Decrease due to other modification</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromMiscellaneousOtherChanges_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromMiscellaneousOtherChanges" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) in net defined benefit liability (asset) resulting from miscellaneous other changes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromMiscellaneousOtherChanges" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromMiscellaneousOtherChanges"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromMiscellaneousOtherChanges" xlink:to="lab_ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromMiscellaneousOtherChanges" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsAxis_019ca0fb-ca4e-774b-abe8-1193ca2acba5_terseLabel_en-US" xlink:label="lab_ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurance contracts by remaining coverage and incurred claims [axis]</link:label>
    <link:label id="lab_ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsAxis_label_en-US" xlink:label="lab_ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance contracts by remaining coverage and incurred claims [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsAxis" xlink:to="lab_ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationVariableObjectiveExplanatoryTableTextBlock_019ca0fb-c9cd-750e-93f4-1d1cf4c7fd95_terseLabel_en-US" xlink:label="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationVariableObjectiveExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule summarising remuneration related to multi-annual variable objectives</link:label>
    <link:label id="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationVariableObjectiveExplanatoryTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationVariableObjectiveExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Transactions Between Related Parties, Remuneration, Variable Objective Explanatory [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationVariableObjectiveExplanatoryTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationVariableObjectiveExplanatoryTableTextBlock"/>
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    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember_019ca0fb-ca4e-7675-b56c-dfaf373bc7b9_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities held for trading</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember_label_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial liabilities at fair value through profit or loss that meet definition of held for trading, category [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember" xlink:to="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions_019ca0fb-cbee-7124-b970-922774cff329_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfer, exchange differences and other changes</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Transfer, Exchange Differences And Other Changes, Provisions</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase or decrease to provisions due to transfer, exchange differences and other changes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions" xlink:to="lab_san_IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MinimumPercentageOfIncreasedShareCapitalRequiredToBeMaintainedInLegalReserve_019ca0fb-cbee-7d85-8bbe-4a49a651ccc8_verboseLabel_en-US" xlink:label="lab_san_MinimumPercentageOfIncreasedShareCapitalRequiredToBeMaintainedInLegalReserve" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Minimum percentage of increased share capital required to be maintained in the legal reserve if reserves are used to increase capital</link:label>
    <link:label id="lab_san_MinimumPercentageOfIncreasedShareCapitalRequiredToBeMaintainedInLegalReserve_label_en-US" xlink:label="lab_san_MinimumPercentageOfIncreasedShareCapitalRequiredToBeMaintainedInLegalReserve" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Minimum Percentage Of Increased Share Capital Required To Be Maintained In Legal Reserve</link:label>
    <link:label id="lab_san_MinimumPercentageOfIncreasedShareCapitalRequiredToBeMaintainedInLegalReserve_documentation_en-US" xlink:label="lab_san_MinimumPercentageOfIncreasedShareCapitalRequiredToBeMaintainedInLegalReserve" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Minimum percentage of the increased share capital required to be maintained in the legal reserve if reserves are used to increase capital.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MinimumPercentageOfIncreasedShareCapitalRequiredToBeMaintainedInLegalReserve" xlink:href="san-20251231.xsd#san_MinimumPercentageOfIncreasedShareCapitalRequiredToBeMaintainedInLegalReserve"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MinimumPercentageOfIncreasedShareCapitalRequiredToBeMaintainedInLegalReserve" xlink:to="lab_san_MinimumPercentageOfIncreasedShareCapitalRequiredToBeMaintainedInLegalReserve" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_BenefitsPaidOrPayable_019ca0fb-cb6b-7c7a-9c89-bafb5d71b506_terseLabel_en-US" xlink:label="lab_ifrs-full_BenefitsPaidOrPayable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount paid for retirement pension benefit</link:label>
    <link:label id="lab_ifrs-full_BenefitsPaidOrPayable_label_en-US" xlink:label="lab_ifrs-full_BenefitsPaidOrPayable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Benefits paid or payable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BenefitsPaidOrPayable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_BenefitsPaidOrPayable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BenefitsPaidOrPayable" xlink:to="lab_ifrs-full_BenefitsPaidOrPayable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EntityOwnEquityInstrumentsOtherThanCoveredBondsAndAssetBackedSecuritiesMember_019ca0fb-c9cd-7e46-8947-df7d13e47f22_terseLabel_en-US" xlink:label="lab_san_EntityOwnEquityInstrumentsOtherThanCoveredBondsAndAssetBackedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Own debt securities issued other than own covered bonds or ABSs</link:label>
    <link:label id="lab_san_EntityOwnEquityInstrumentsOtherThanCoveredBondsAndAssetBackedSecuritiesMember_label_en-US" xlink:label="lab_san_EntityOwnEquityInstrumentsOtherThanCoveredBondsAndAssetBackedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Own Equity Instruments Other Than Covered Bonds And Asset Backed Securities [Member]</link:label>
    <link:label id="lab_san_EntityOwnEquityInstrumentsOtherThanCoveredBondsAndAssetBackedSecuritiesMember_documentation_en-US" xlink:label="lab_san_EntityOwnEquityInstrumentsOtherThanCoveredBondsAndAssetBackedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for equity instruments issued by the entity except covered bonds and asset-backed securities (ABS).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EntityOwnEquityInstrumentsOtherThanCoveredBondsAndAssetBackedSecuritiesMember" xlink:href="san-20251231.xsd#san_EntityOwnEquityInstrumentsOtherThanCoveredBondsAndAssetBackedSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EntityOwnEquityInstrumentsOtherThanCoveredBondsAndAssetBackedSecuritiesMember" xlink:to="lab_san_EntityOwnEquityInstrumentsOtherThanCoveredBondsAndAssetBackedSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedIssueEuroSwapRateTerm_019ca0fb-cad3-70f3-b7de-034f2f5c39bf_terseLabel_en-US" xlink:label="lab_san_SubordinatedIssueEuroSwapRateTerm" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated issue, euro swap rate term</link:label>
    <link:label id="lab_san_SubordinatedIssueEuroSwapRateTerm_label_en-US" xlink:label="lab_san_SubordinatedIssueEuroSwapRateTerm" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Issue, Euro Swap Rate Term</link:label>
    <link:label id="lab_san_SubordinatedIssueEuroSwapRateTerm_documentation_en-US" xlink:label="lab_san_SubordinatedIssueEuroSwapRateTerm" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Issue, Euro Swap Rate Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedIssueEuroSwapRateTerm" xlink:href="san-20251231.xsd#san_SubordinatedIssueEuroSwapRateTerm"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedIssueEuroSwapRateTerm" xlink:to="lab_san_SubordinatedIssueEuroSwapRateTerm" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ExpectedConsiderationInCashPerAmericanDepositaryShare_019ca0fb-cad3-729e-8c2e-45b442f63346_terseLabel_en-US" xlink:label="lab_san_ExpectedConsiderationInCashPerAmericanDepositaryShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expected consideration per American Depositary Share (in MXN per share)</link:label>
    <link:label id="lab_san_ExpectedConsiderationInCashPerAmericanDepositaryShare_label_en-US" xlink:label="lab_san_ExpectedConsiderationInCashPerAmericanDepositaryShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Expected Consideration, In Cash Per American Depositary Share</link:label>
    <link:label id="lab_san_ExpectedConsiderationInCashPerAmericanDepositaryShare_documentation_en-US" xlink:label="lab_san_ExpectedConsiderationInCashPerAmericanDepositaryShare" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Expected Consideration, In Cash Per American Depositary Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ExpectedConsiderationInCashPerAmericanDepositaryShare" xlink:href="san-20251231.xsd#san_ExpectedConsiderationInCashPerAmericanDepositaryShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ExpectedConsiderationInCashPerAmericanDepositaryShare" xlink:to="lab_san_ExpectedConsiderationInCashPerAmericanDepositaryShare" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CommissionIncomeRelatedPartyTransactions_019ca0fb-cc70-7f48-8f88-a44d32280382_terseLabel_en-US" xlink:label="lab_san_CommissionIncomeRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commission income</link:label>
    <link:label id="lab_san_CommissionIncomeRelatedPartyTransactions_label_en-US" xlink:label="lab_san_CommissionIncomeRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commission Income, Related Party Transactions</link:label>
    <link:label id="lab_san_CommissionIncomeRelatedPartyTransactions_documentation_en-US" xlink:label="lab_san_CommissionIncomeRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of commission income attributable to related party transactions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CommissionIncomeRelatedPartyTransactions" xlink:href="san-20251231.xsd#san_CommissionIncomeRelatedPartyTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CommissionIncomeRelatedPartyTransactions" xlink:to="lab_san_CommissionIncomeRelatedPartyTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate_019ca0fb-c9cd-7024-b335-997f3a3d0a0d_terseLabel_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in provision assuming 100bp increase in unemployment rate (as a percent)</link:label>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate_label_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percent Change In Provision Assuming 100 Basis Point Increase In Unemployment Rate</link:label>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate_documentation_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percent Change In Provision Assuming 100 Basis Point Increase In Unemployment Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" xlink:href="san-20251231.xsd#san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" xlink:to="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_JerseyTheIsleOfManAndTheCaymanIslandsMember_019ca0fb-c94e-7097-a691-38614c930cc8_terseLabel_en-US" xlink:label="lab_san_JerseyTheIsleOfManAndTheCaymanIslandsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Jersey, The Isle of Man And The Cayman Islands</link:label>
    <link:label id="lab_san_JerseyTheIsleOfManAndTheCaymanIslandsMember_label_en-US" xlink:label="lab_san_JerseyTheIsleOfManAndTheCaymanIslandsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Jersey, The Isle of Man And The Cayman Islands [Member]</link:label>
    <link:label id="lab_san_JerseyTheIsleOfManAndTheCaymanIslandsMember_documentation_en-US" xlink:label="lab_san_JerseyTheIsleOfManAndTheCaymanIslandsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Jersey, The Isle of Man And The Cayman Islands</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_JerseyTheIsleOfManAndTheCaymanIslandsMember" xlink:href="san-20251231.xsd#san_JerseyTheIsleOfManAndTheCaymanIslandsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_JerseyTheIsleOfManAndTheCaymanIslandsMember" xlink:to="lab_san_JerseyTheIsleOfManAndTheCaymanIslandsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GrossFinancialInstrumentsSetOffAgainstFinancialInstrumentsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsOther_019ca0fb-cc70-79e0-9aa2-be20e7727c8b_terseLabel_en-US" xlink:label="lab_san_GrossFinancialInstrumentsSetOffAgainstFinancialInstrumentsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsOther" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross amount of other items offset in the balance sheet</link:label>
    <link:label id="lab_san_GrossFinancialInstrumentsSetOffAgainstFinancialInstrumentsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsOther_label_en-US" xlink:label="lab_san_GrossFinancialInstrumentsSetOffAgainstFinancialInstrumentsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsOther" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gross Financial Instruments Set Off Against Financial Instruments Subject To Offsetting Enforceable Master Netting Arrangements Or Similar Agreements, Other</link:label>
    <link:label id="lab_san_GrossFinancialInstrumentsSetOffAgainstFinancialInstrumentsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsOther_documentation_en-US" xlink:label="lab_san_GrossFinancialInstrumentsSetOffAgainstFinancialInstrumentsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsOther" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of other financial instruments set off against other financial instruments when an entity: (a) currently has a legally enforceable right to set off the recognised amounts; and (b) intends either to settle on a net basis or to realise the asset and settle the liability simultaneously. asset/liability and settle the liability/asset simultaneously.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GrossFinancialInstrumentsSetOffAgainstFinancialInstrumentsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsOther" xlink:href="san-20251231.xsd#san_GrossFinancialInstrumentsSetOffAgainstFinancialInstrumentsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsOther"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GrossFinancialInstrumentsSetOffAgainstFinancialInstrumentsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsOther" xlink:to="lab_san_GrossFinancialInstrumentsSetOffAgainstFinancialInstrumentsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsOther" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TotalFinancialAssetsRemaining_019ca0fb-cbee-777f-af6f-6f75b324f619_totalLabel_en-US" xlink:label="lab_san_TotalFinancialAssetsRemaining" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">TOTAL FINANCIAL ASSETS</link:label>
    <link:label id="lab_san_TotalFinancialAssetsRemaining_label_en-US" xlink:label="lab_san_TotalFinancialAssetsRemaining" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total Financial Assets Remaining</link:label>
    <link:label id="lab_san_TotalFinancialAssetsRemaining_documentation_en-US" xlink:label="lab_san_TotalFinancialAssetsRemaining" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The total remaining financial assets including financial assets held for trading, financial assets designated at fair value through profit or loss, financial assets available for sale equity instruments, hedging derivatives and changes in the fair value of hedged items in portfolio hedges of interest rate risk.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TotalFinancialAssetsRemaining" xlink:href="san-20251231.xsd#san_TotalFinancialAssetsRemaining"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TotalFinancialAssetsRemaining" xlink:to="lab_san_TotalFinancialAssetsRemaining" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LossComponentMember_019ca0fb-c9cd-7f74-b67c-42be4180118c_terseLabel_en-US" xlink:label="lab_ifrs-full_LossComponentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loss component</link:label>
    <link:label id="lab_ifrs-full_LossComponentMember_label_en-US" xlink:label="lab_ifrs-full_LossComponentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loss component [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LossComponentMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LossComponentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LossComponentMember" xlink:to="lab_ifrs-full_LossComponentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_StatementOfCashFlowsAbstract_019ca0fb-cb6b-7f76-9528-8b6b32611f46_terseLabel_en-US" xlink:label="lab_ifrs-full_StatementOfCashFlowsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed consolidated statements of cash flows</link:label>
    <link:label id="lab_ifrs-full_StatementOfCashFlowsAbstract_label_en-US" xlink:label="lab_ifrs-full_StatementOfCashFlowsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of cash flows [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_StatementOfCashFlowsAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_StatementOfCashFlowsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_StatementOfCashFlowsAbstract" xlink:to="lab_ifrs-full_StatementOfCashFlowsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FormerSeniorManagingDirectorsMember_019ca0fb-c94e-7a85-a140-2b8e906dd131_terseLabel_en-US" xlink:label="lab_san_FormerSeniorManagingDirectorsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Former senior managing directors</link:label>
    <link:label id="lab_san_FormerSeniorManagingDirectorsMember_label_en-US" xlink:label="lab_san_FormerSeniorManagingDirectorsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Former Senior Managing Directors [Member]</link:label>
    <link:label id="lab_san_FormerSeniorManagingDirectorsMember_documentation_en-US" xlink:label="lab_san_FormerSeniorManagingDirectorsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents former Managing Directors.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FormerSeniorManagingDirectorsMember" xlink:href="san-20251231.xsd#san_FormerSeniorManagingDirectorsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FormerSeniorManagingDirectorsMember" xlink:to="lab_san_FormerSeniorManagingDirectorsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis_019ca0fb-c94e-73e5-87dc-b7243dd14e0a_terseLabel_en-US" xlink:label="lab_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Type of measurement of expected credit losses [axis]</link:label>
    <link:label id="lab_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis_label_en-US" xlink:label="lab_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Type of measurement of expected credit losses [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis" xlink:to="lab_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_BrokerageFeeIncome_019ca0fb-cb6b-7523-b37f-cf8386f8214f_totalLabel_en-US" xlink:label="lab_ifrs-full_BrokerageFeeIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Coming from Securities services</link:label>
    <link:label id="lab_ifrs-full_BrokerageFeeIncome_label_en-US" xlink:label="lab_ifrs-full_BrokerageFeeIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Brokerage fee income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BrokerageFeeIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_BrokerageFeeIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BrokerageFeeIncome" xlink:to="lab_ifrs-full_BrokerageFeeIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SharesOwnedByThirdPartiesReceivedAsSecurityAsPercentageOfTotalShareCapital_019ca0fb-cb6b-7d69-95c9-9a2e9ebfa8cd_terseLabel_en-US" xlink:label="lab_san_SharesOwnedByThirdPartiesReceivedAsSecurityAsPercentageOfTotalShareCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shares owned by third parties received as security, percentage of share capital</link:label>
    <link:label id="lab_san_SharesOwnedByThirdPartiesReceivedAsSecurityAsPercentageOfTotalShareCapital_label_en-US" xlink:label="lab_san_SharesOwnedByThirdPartiesReceivedAsSecurityAsPercentageOfTotalShareCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Shares Owned By Third Parties Received As Security, As Percentage Of Total Share Capital</link:label>
    <link:label id="lab_san_SharesOwnedByThirdPartiesReceivedAsSecurityAsPercentageOfTotalShareCapital_documentation_en-US" xlink:label="lab_san_SharesOwnedByThirdPartiesReceivedAsSecurityAsPercentageOfTotalShareCapital" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage of shares owned by third parties and received as security in relation to total share capital.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SharesOwnedByThirdPartiesReceivedAsSecurityAsPercentageOfTotalShareCapital" xlink:href="san-20251231.xsd#san_SharesOwnedByThirdPartiesReceivedAsSecurityAsPercentageOfTotalShareCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SharesOwnedByThirdPartiesReceivedAsSecurityAsPercentageOfTotalShareCapital" xlink:to="lab_san_SharesOwnedByThirdPartiesReceivedAsSecurityAsPercentageOfTotalShareCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LandLoansOtherMember_019ca0fb-c94e-7bda-be74-b3a41a48b8ce_terseLabel_en-US" xlink:label="lab_san_LandLoansOtherMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other land</link:label>
    <link:label id="lab_san_LandLoansOtherMember_label_en-US" xlink:label="lab_san_LandLoansOtherMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Land Loans, Other [Member]</link:label>
    <link:label id="lab_san_LandLoansOtherMember_documentation_en-US" xlink:label="lab_san_LandLoansOtherMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for loans for other than developed consolidated land.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LandLoansOtherMember" xlink:href="san-20251231.xsd#san_LandLoansOtherMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LandLoansOtherMember" xlink:to="lab_san_LandLoansOtherMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BancoSantanderBrasilSaSubsidiaryMember_019ca0fb-c9cd-7e09-ba3e-e3ff557a3f38_terseLabel_en-US" xlink:label="lab_san_BancoSantanderBrasilSaSubsidiaryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Santander Brasil Sa Subsidiary</link:label>
    <link:label id="lab_san_BancoSantanderBrasilSaSubsidiaryMember_label_en-US" xlink:label="lab_san_BancoSantanderBrasilSaSubsidiaryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banco Santander Brasil Sa Subsidiary [Member]</link:label>
    <link:label id="lab_san_BancoSantanderBrasilSaSubsidiaryMember_documentation_en-US" xlink:label="lab_san_BancoSantanderBrasilSaSubsidiaryMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Banco Santander (Brasil) S.A., a subsidiary of the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BancoSantanderBrasilSaSubsidiaryMember" xlink:href="san-20251231.xsd#san_BancoSantanderBrasilSaSubsidiaryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BancoSantanderBrasilSaSubsidiaryMember" xlink:to="lab_san_BancoSantanderBrasilSaSubsidiaryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CentralBanksAndCreditInstitutionsMember_019ca0fb-c94e-7567-84f0-4019d4c5c563_verboseLabel_en-US" xlink:label="lab_san_CentralBanksAndCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Central banks and Credit institutions</link:label>
    <link:label id="lab_san_CentralBanksAndCreditInstitutionsMember_019ca0fb-c94e-7041-902a-de3728b89d3d_terseLabel_en-US" xlink:label="lab_san_CentralBanksAndCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Central banks and Credit institutions</link:label>
    <link:label id="lab_san_CentralBanksAndCreditInstitutionsMember_label_en-US" xlink:label="lab_san_CentralBanksAndCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Central Banks And Credit Institutions [Member]</link:label>
    <link:label id="lab_san_CentralBanksAndCreditInstitutionsMember_documentation_en-US" xlink:label="lab_san_CentralBanksAndCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents central banks and credit institutions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CentralBanksAndCreditInstitutionsMember" xlink:href="san-20251231.xsd#san_CentralBanksAndCreditInstitutionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CentralBanksAndCreditInstitutionsMember" xlink:to="lab_san_CentralBanksAndCreditInstitutionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderCACEISLatamHolding1SLMember_019ca0fb-cbee-7749-8989-8ed00d5f41ab_terseLabel_en-US" xlink:label="lab_san_SantanderCACEISLatamHolding1SLMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Caceis Latam Holding 1, S.L</link:label>
    <link:label id="lab_san_SantanderCACEISLatamHolding1SLMember_label_en-US" xlink:label="lab_san_SantanderCACEISLatamHolding1SLMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander CACEIS Latam Holding 1, S.L. [Member]</link:label>
    <link:label id="lab_san_SantanderCACEISLatamHolding1SLMember_documentation_en-US" xlink:label="lab_san_SantanderCACEISLatamHolding1SLMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander CACEIS Latam Holding 1, S.L.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderCACEISLatamHolding1SLMember" xlink:href="san-20251231.xsd#san_SantanderCACEISLatamHolding1SLMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderCACEISLatamHolding1SLMember" xlink:to="lab_san_SantanderCACEISLatamHolding1SLMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TaxEffectOfForeignTaxRates_019ca0fb-cad3-74ac-b621-55e336e746e7_terseLabel_en-US" xlink:label="lab_ifrs-full_TaxEffectOfForeignTaxRates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">By the effect of application of the various tax rates applicable in each country</link:label>
    <link:label id="lab_ifrs-full_TaxEffectOfForeignTaxRates_label_en-US" xlink:label="lab_ifrs-full_TaxEffectOfForeignTaxRates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax effect of foreign tax rates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TaxEffectOfForeignTaxRates" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TaxEffectOfForeignTaxRates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TaxEffectOfForeignTaxRates" xlink:to="lab_ifrs-full_TaxEffectOfForeignTaxRates" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PagoNxtMember_019ca0fb-cad3-7507-9a2d-87bc13bd4d0a_terseLabel_en-US" xlink:label="lab_san_PagoNxtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PagoNxt</link:label>
    <link:label id="lab_san_PagoNxtMember_label_en-US" xlink:label="lab_san_PagoNxtMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PagoNxt [Member]</link:label>
    <link:label id="lab_san_PagoNxtMember_documentation_en-US" xlink:label="lab_san_PagoNxtMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">PagoNxt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PagoNxtMember" xlink:href="san-20251231.xsd#san_PagoNxtMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PagoNxtMember" xlink:to="lab_san_PagoNxtMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ShareBuybackProgramPercentageOfCapitalReleasedOfSaleOfPoland_019ca0fb-c94e-7c63-a0ca-876e212e1644_terseLabel_en-US" xlink:label="lab_san_ShareBuybackProgramPercentageOfCapitalReleasedOfSaleOfPoland" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of capital released of sale of Poland</link:label>
    <link:label id="lab_san_ShareBuybackProgramPercentageOfCapitalReleasedOfSaleOfPoland_label_en-US" xlink:label="lab_san_ShareBuybackProgramPercentageOfCapitalReleasedOfSaleOfPoland" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Buyback Program, Percentage Of Capital Released Of Sale Of Poland</link:label>
    <link:label id="lab_san_ShareBuybackProgramPercentageOfCapitalReleasedOfSaleOfPoland_documentation_en-US" xlink:label="lab_san_ShareBuybackProgramPercentageOfCapitalReleasedOfSaleOfPoland" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share Buyback Program, Percentage Of Capital Released Of Sale Of Poland</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ShareBuybackProgramPercentageOfCapitalReleasedOfSaleOfPoland" xlink:href="san-20251231.xsd#san_ShareBuybackProgramPercentageOfCapitalReleasedOfSaleOfPoland"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ShareBuybackProgramPercentageOfCapitalReleasedOfSaleOfPoland" xlink:to="lab_san_ShareBuybackProgramPercentageOfCapitalReleasedOfSaleOfPoland" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherEmployeeExpense_019ca0fb-c94e-7b60-bfd0-bbea457e6697_verboseLabel_en-US" xlink:label="lab_ifrs-full_OtherEmployeeExpense" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other Staff costs</link:label>
    <link:label id="lab_ifrs-full_OtherEmployeeExpense_label_en-US" xlink:label="lab_ifrs-full_OtherEmployeeExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other employee expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherEmployeeExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherEmployeeExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherEmployeeExpense" xlink:to="lab_ifrs-full_OtherEmployeeExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SCAutoMember_019ca0fb-cad3-70df-8d8b-73d346c2deb0_terseLabel_en-US" xlink:label="lab_san_SCAutoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SC Auto</link:label>
    <link:label id="lab_san_SCAutoMember_label_en-US" xlink:label="lab_san_SCAutoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SC Auto [Member]</link:label>
    <link:label id="lab_san_SCAutoMember_documentation_en-US" xlink:label="lab_san_SCAutoMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">SC Auto [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SCAutoMember" xlink:href="san-20251231.xsd#san_SCAutoMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SCAutoMember" xlink:to="lab_san_SCAutoMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability_019ca0fb-cad3-78ca-a3c4-30af9b06eedc_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in the fair value of financial liabilities at fair value through profit or loss attributable to changes in credit risk</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other comprehensive income, before tax, change in fair value of financial liability attributable to change in credit risk of liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary_019ca0fb-cad3-7ff7-a60d-c6e645da3b7f_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increases (decreases) due to business combinations</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary_019ca0fb-cad3-71d0-86e4-7e7be4b37f06_verboseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Change of perimeter</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) through acquisition of subsidiary, equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VolatilityOptionModelValuationTechniqueMember_019ca0fb-cbee-7330-9e56-7db4dbf1f0ce_terseLabel_en-US" xlink:label="lab_san_VolatilityOptionModelValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Volatility Option Model Valuation Technique</link:label>
    <link:label id="lab_san_VolatilityOptionModelValuationTechniqueMember_label_en-US" xlink:label="lab_san_VolatilityOptionModelValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Volatility Option Model Valuation Technique [Member]</link:label>
    <link:label id="lab_san_VolatilityOptionModelValuationTechniqueMember_documentation_en-US" xlink:label="lab_san_VolatilityOptionModelValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Volatility Option Model Valuation Technique</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VolatilityOptionModelValuationTechniqueMember" xlink:href="san-20251231.xsd#san_VolatilityOptionModelValuationTechniqueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VolatilityOptionModelValuationTechniqueMember" xlink:to="lab_san_VolatilityOptionModelValuationTechniqueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CaceisMember_019ca0fb-c9cd-7807-ad8e-cd212bd42f24_terseLabel_en-US" xlink:label="lab_san_CaceisMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Caceis (Notes 3 and 12)</link:label>
    <link:label id="lab_san_CaceisMember_019ca0fb-c9cd-704d-8396-9d737447780a_verboseLabel_en-US" xlink:label="lab_san_CaceisMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Santander Bank Polska S.A. (Note 3)</link:label>
    <link:label id="lab_san_CaceisMember_label_en-US" xlink:label="lab_san_CaceisMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Caceis [Member]</link:label>
    <link:label id="lab_san_CaceisMember_documentation_en-US" xlink:label="lab_san_CaceisMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Caceis [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CaceisMember" xlink:href="san-20251231.xsd#san_CaceisMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CaceisMember" xlink:to="lab_san_CaceisMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherGeneralAdministrativeExpenses_019ca0fb-c9cd-7074-b17f-bc5693918fa7_negatedTerseLabel_en-US" xlink:label="lab_san_OtherGeneralAdministrativeExpenses" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Other general administrative expenses</link:label>
    <link:label id="lab_san_OtherGeneralAdministrativeExpenses_019ca0fb-c9cd-74fd-89e8-85e789ba530a_totalLabel_en-US" xlink:label="lab_san_OtherGeneralAdministrativeExpenses" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Other general administrative expenses</link:label>
    <link:label id="lab_san_OtherGeneralAdministrativeExpenses_label_en-US" xlink:label="lab_san_OtherGeneralAdministrativeExpenses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other General Administrative Expenses</link:label>
    <link:label id="lab_san_OtherGeneralAdministrativeExpenses_documentation_en-US" xlink:label="lab_san_OtherGeneralAdministrativeExpenses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other General Administrative Expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherGeneralAdministrativeExpenses" xlink:href="san-20251231.xsd#san_OtherGeneralAdministrativeExpenses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherGeneralAdministrativeExpenses" xlink:to="lab_san_OtherGeneralAdministrativeExpenses" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CreditSpreadRiskMember_019ca0fb-ca4e-7e02-9eec-348f04e09546_terseLabel_en-US" xlink:label="lab_san_CreditSpreadRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit spread</link:label>
    <link:label id="lab_san_CreditSpreadRiskMember_label_en-US" xlink:label="lab_san_CreditSpreadRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Spread Risk [Member]</link:label>
    <link:label id="lab_san_CreditSpreadRiskMember_documentation_en-US" xlink:label="lab_san_CreditSpreadRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for a component of other price risk that represents the type of risk that the fair value or future cash flows of a financial instrument will fluctuate because of changes in the credit spread.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CreditSpreadRiskMember" xlink:href="san-20251231.xsd#san_CreditSpreadRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CreditSpreadRiskMember" xlink:to="lab_san_CreditSpreadRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CreditExposurePercentage_019ca0fb-c9cd-7b93-9ec2-454859a1eca2_terseLabel_en-US" xlink:label="lab_san_CreditExposurePercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit exposure percentage</link:label>
    <link:label id="lab_san_CreditExposurePercentage_label_en-US" xlink:label="lab_san_CreditExposurePercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Exposure Percentage</link:label>
    <link:label id="lab_san_CreditExposurePercentage_documentation_en-US" xlink:label="lab_san_CreditExposurePercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage of amount to total that is in exposure to loss resulting from credit risk.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CreditExposurePercentage" xlink:href="san-20251231.xsd#san_CreditExposurePercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CreditExposurePercentage" xlink:to="lab_san_CreditExposurePercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfNumberOfEmployeesWithDisabilitiesTableTextBlock_019ca0fb-cbee-78ee-bb8f-51e9cba97233_terseLabel_en-US" xlink:label="lab_san_DisclosureOfNumberOfEmployeesWithDisabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of number of employees with disabilities</link:label>
    <link:label id="lab_san_DisclosureOfNumberOfEmployeesWithDisabilitiesTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfNumberOfEmployeesWithDisabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Number Of Employees With Disabilities [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfNumberOfEmployeesWithDisabilitiesTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfNumberOfEmployeesWithDisabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of number of employees with disabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfNumberOfEmployeesWithDisabilitiesTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfNumberOfEmployeesWithDisabilitiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfNumberOfEmployeesWithDisabilitiesTableTextBlock" xlink:to="lab_san_DisclosureOfNumberOfEmployeesWithDisabilitiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2024Member_019ca0fb-c94e-77e6-b5c6-12617c647c66_terseLabel_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2024Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred conditional variable remuneration plan and linked to objectives (2024)</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2024Member_label_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2024Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan And Linked To Objectives 2024 [Member]</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2024Member_documentation_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2024Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan And Linked To Objectives 2024</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2024Member" xlink:href="san-20251231.xsd#san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2024Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2024Member" xlink:to="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2024Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EquityInstrumentsDomesticMember_019ca0fb-c94e-7821-966b-95f34cc33722_terseLabel_en-US" xlink:label="lab_san_EquityInstrumentsDomesticMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Domestic</link:label>
    <link:label id="lab_san_EquityInstrumentsDomesticMember_label_en-US" xlink:label="lab_san_EquityInstrumentsDomesticMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Instruments, Domestic [Member]</link:label>
    <link:label id="lab_san_EquityInstrumentsDomesticMember_documentation_en-US" xlink:label="lab_san_EquityInstrumentsDomesticMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for equity instruments that are issued by domestic companies.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EquityInstrumentsDomesticMember" xlink:href="san-20251231.xsd#san_EquityInstrumentsDomesticMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EquityInstrumentsDomesticMember" xlink:to="lab_san_EquityInstrumentsDomesticMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InvestmentAccountedForUsingEquityMethod_019ca0fb-c94e-7bc8-92fa-925675b73b77_totalLabel_en-US" xlink:label="lab_ifrs-full_InvestmentAccountedForUsingEquityMethod" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">INVESTMENTS</link:label>
    <link:label id="lab_ifrs-full_InvestmentAccountedForUsingEquityMethod_019ca0fb-c94e-702f-a458-2cc1899e8eb9_periodStartLabel_en-US" xlink:label="lab_ifrs-full_InvestmentAccountedForUsingEquityMethod" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance at beginning of year</link:label>
    <link:label id="lab_ifrs-full_InvestmentAccountedForUsingEquityMethod_019ca0fb-c94e-72d7-b8a2-ea46059d82f9_periodEndLabel_en-US" xlink:label="lab_ifrs-full_InvestmentAccountedForUsingEquityMethod" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance at end of year</link:label>
    <link:label id="lab_ifrs-full_InvestmentAccountedForUsingEquityMethod_019ca0fb-c94e-7f23-afe1-13058abe350c_terseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentAccountedForUsingEquityMethod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments</link:label>
    <link:label id="lab_ifrs-full_InvestmentAccountedForUsingEquityMethod_label_en-US" xlink:label="lab_ifrs-full_InvestmentAccountedForUsingEquityMethod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments accounted for using equity method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InvestmentAccountedForUsingEquityMethod" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InvestmentAccountedForUsingEquityMethod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InvestmentAccountedForUsingEquityMethod" xlink:to="lab_ifrs-full_InvestmentAccountedForUsingEquityMethod" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PurchasesFairValueMeasurementLiabilities_019ca0fb-cad3-7f26-859a-8ccd35bbf515_terseLabel_en-US" xlink:label="lab_ifrs-full_PurchasesFairValueMeasurementLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Purchases, fair value measurement, liabilities</link:label>
    <link:label id="lab_ifrs-full_PurchasesFairValueMeasurementLiabilities_label_en-US" xlink:label="lab_ifrs-full_PurchasesFairValueMeasurementLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Purchases, fair value measurement, liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PurchasesFairValueMeasurementLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PurchasesFairValueMeasurementLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PurchasesFairValueMeasurementLiabilities" xlink:to="lab_ifrs-full_PurchasesFairValueMeasurementLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital_019ca0fb-cbee-7940-bc05-ae551792e0c2_terseLabel_en-US" xlink:label="lab_san_SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Eligible instruments T2</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital_label_en-US" xlink:label="lab_san_SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Liabilities, Preference Shares and Participating Securities, Tier Two Capital</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital_documentation_en-US" xlink:label="lab_san_SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of liabilities for preference shares and participating preference securities that are subordinate to other liabilities with respect to claims and included within Tier 2 Capital.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital" xlink:href="san-20251231.xsd#san_SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital" xlink:to="lab_san_SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome_019ca0fb-cad3-77ec-ada8-afa85055e09b_terseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash flow hedges</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income tax relating to cash flow hedges included in other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" xlink:to="lab_ifrs-full_IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OffShoreEntitiesBranchesMember_019ca0fb-cc70-77f1-a2b0-f80f53f99d4b_terseLabel_en-US" xlink:label="lab_san_OffShoreEntitiesBranchesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Off shore entities, branches</link:label>
    <link:label id="lab_san_OffShoreEntitiesBranchesMember_label_en-US" xlink:label="lab_san_OffShoreEntitiesBranchesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Off Shore Entities, Branches [Member]</link:label>
    <link:label id="lab_san_OffShoreEntitiesBranchesMember_documentation_en-US" xlink:label="lab_san_OffShoreEntitiesBranchesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Off Shore Entities, Branches</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OffShoreEntitiesBranchesMember" xlink:href="san-20251231.xsd#san_OffShoreEntitiesBranchesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OffShoreEntitiesBranchesMember" xlink:to="lab_san_OffShoreEntitiesBranchesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationBoardApprovedAnnualAmount_019ca0fb-c94e-7d45-94c2-04b332e3bcf2_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationBoardApprovedAnnualAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Remuneration of directors approved by the board of directors</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationBoardApprovedAnnualAmount_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationBoardApprovedAnnualAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Board Approved Annual Amount</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationBoardApprovedAnnualAmount_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationBoardApprovedAnnualAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The annual fixed amount of remuneration of directors approved by the board of directors. Includes annual emolument and attendance fees.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationBoardApprovedAnnualAmount" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationBoardApprovedAnnualAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationBoardApprovedAnnualAmount" xlink:to="lab_san_KeyManagementPersonnelCompensationBoardApprovedAnnualAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfSubordinatedLiabilitiesDetailsTableTextBlock_019ca0fb-c9cd-77b6-86d0-29a1ac4acd8f_terseLabel_en-US" xlink:label="lab_san_ScheduleOfSubordinatedLiabilitiesDetailsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of subordinated liabilities detail, by currency of issue</link:label>
    <link:label id="lab_san_ScheduleOfSubordinatedLiabilitiesDetailsTableTextBlock_label_en-US" xlink:label="lab_san_ScheduleOfSubordinatedLiabilitiesDetailsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Subordinated Liabilities, Details [Table Text Block]</link:label>
    <link:label id="lab_san_ScheduleOfSubordinatedLiabilitiesDetailsTableTextBlock_documentation_en-US" xlink:label="lab_san_ScheduleOfSubordinatedLiabilitiesDetailsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of information pertaining to subordinated liabilities including issue by currency, outstanding amount and interest rate.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfSubordinatedLiabilitiesDetailsTableTextBlock" xlink:href="san-20251231.xsd#san_ScheduleOfSubordinatedLiabilitiesDetailsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfSubordinatedLiabilitiesDetailsTableTextBlock" xlink:to="lab_san_ScheduleOfSubordinatedLiabilitiesDetailsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TemporaryDifferenceMember_019ca0fb-cad3-7f37-b203-842940199157_terseLabel_en-US" xlink:label="lab_ifrs-full_TemporaryDifferenceMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Temporary differences</link:label>
    <link:label id="lab_ifrs-full_TemporaryDifferenceMember_label_en-US" xlink:label="lab_ifrs-full_TemporaryDifferenceMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Temporary differences [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TemporaryDifferenceMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TemporaryDifferenceMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TemporaryDifferenceMember" xlink:to="lab_ifrs-full_TemporaryDifferenceMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LitigationContingenciesCompensationSoughtInLitigation_019ca0fb-ca4e-7a1a-815e-51cc0bae880b_terseLabel_en-US" xlink:label="lab_san_LitigationContingenciesCompensationSoughtInLitigation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation sought in litigation claim</link:label>
    <link:label id="lab_san_LitigationContingenciesCompensationSoughtInLitigation_label_en-US" xlink:label="lab_san_LitigationContingenciesCompensationSoughtInLitigation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Litigation Contingencies, Compensation Sought In Litigation</link:label>
    <link:label id="lab_san_LitigationContingenciesCompensationSoughtInLitigation_documentation_en-US" xlink:label="lab_san_LitigationContingenciesCompensationSoughtInLitigation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Litigation Contingencies, Compensation Sought In Litigation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LitigationContingenciesCompensationSoughtInLitigation" xlink:href="san-20251231.xsd#san_LitigationContingenciesCompensationSoughtInLitigation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LitigationContingenciesCompensationSoughtInLitigation" xlink:to="lab_san_LitigationContingenciesCompensationSoughtInLitigation" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PercentageOfReasonablyPossibleDecreaseInActuarialAssumption_019ca0fb-ca4e-7426-9719-535b4955dddd_terseLabel_en-US" xlink:label="lab_ifrs-full_PercentageOfReasonablyPossibleDecreaseInActuarialAssumption" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of reasonably possible decrease in actuarial assumption</link:label>
    <link:label id="lab_ifrs-full_PercentageOfReasonablyPossibleDecreaseInActuarialAssumption_label_en-US" xlink:label="lab_ifrs-full_PercentageOfReasonablyPossibleDecreaseInActuarialAssumption" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage of reasonably possible decrease in actuarial assumption</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PercentageOfReasonablyPossibleDecreaseInActuarialAssumption" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PercentageOfReasonablyPossibleDecreaseInActuarialAssumption"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PercentageOfReasonablyPossibleDecreaseInActuarialAssumption" xlink:to="lab_ifrs-full_PercentageOfReasonablyPossibleDecreaseInActuarialAssumption" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedFinancialBillsTIERIIMember_019ca0fb-cb6b-72d0-981f-edf9df21884e_terseLabel_en-US" xlink:label="lab_san_SubordinatedFinancialBillsTIERIIMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated Financial Bills (TIER II)</link:label>
    <link:label id="lab_san_SubordinatedFinancialBillsTIERIIMember_label_en-US" xlink:label="lab_san_SubordinatedFinancialBillsTIERIIMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Financial Bills (TIER II) [Member]</link:label>
    <link:label id="lab_san_SubordinatedFinancialBillsTIERIIMember_documentation_en-US" xlink:label="lab_san_SubordinatedFinancialBillsTIERIIMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Financial Bills (TIER II)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedFinancialBillsTIERIIMember" xlink:href="san-20251231.xsd#san_SubordinatedFinancialBillsTIERIIMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedFinancialBillsTIERIIMember" xlink:to="lab_san_SubordinatedFinancialBillsTIERIIMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncomeExpenseFromParticipationInRefinancingOperationsProgram_019ca0fb-c9cd-7774-9f65-180a46b2bbe1_negatedTerseLabel_en-US" xlink:label="lab_san_IncomeExpenseFromParticipationInRefinancingOperationsProgram" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Income (expense) from participation in refinancing operations program</link:label>
    <link:label id="lab_san_IncomeExpenseFromParticipationInRefinancingOperationsProgram_label_en-US" xlink:label="lab_san_IncomeExpenseFromParticipationInRefinancingOperationsProgram" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Expense) From Participation In Refinancing Operations Program</link:label>
    <link:label id="lab_san_IncomeExpenseFromParticipationInRefinancingOperationsProgram_documentation_en-US" xlink:label="lab_san_IncomeExpenseFromParticipationInRefinancingOperationsProgram" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Income (Expense) From Participation In Refinancing Operations Program</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncomeExpenseFromParticipationInRefinancingOperationsProgram" xlink:href="san-20251231.xsd#san_IncomeExpenseFromParticipationInRefinancingOperationsProgram"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncomeExpenseFromParticipationInRefinancingOperationsProgram" xlink:to="lab_san_IncomeExpenseFromParticipationInRefinancingOperationsProgram" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ConsolidatedLiquidityCoverageRatio_019ca0fb-c94e-7148-ae7c-89c90c5af6cb_terseLabel_en-US" xlink:label="lab_san_ConsolidatedLiquidityCoverageRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated LCR ratio (%)</link:label>
    <link:label id="lab_san_ConsolidatedLiquidityCoverageRatio_label_en-US" xlink:label="lab_san_ConsolidatedLiquidityCoverageRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidated Liquidity Coverage Ratio</link:label>
    <link:label id="lab_san_ConsolidatedLiquidityCoverageRatio_documentation_en-US" xlink:label="lab_san_ConsolidatedLiquidityCoverageRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Consolidated Liquidity Coverage Ratio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ConsolidatedLiquidityCoverageRatio" xlink:href="san-20251231.xsd#san_ConsolidatedLiquidityCoverageRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ConsolidatedLiquidityCoverageRatio" xlink:to="lab_san_ConsolidatedLiquidityCoverageRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases_019ca0fb-cbee-76eb-ae37-81f672f5d4af_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Annual salary increase rate</link:label>
    <link:label id="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases_label_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Actuarial assumption of expected rates of salary increases</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" xlink:to="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfDebtInstrumentsByIssuerRatingTableTextBlock_019ca0fb-cb6b-7c59-8f79-959802bdf33b_terseLabel_en-US" xlink:label="lab_san_DisclosureOfDebtInstrumentsByIssuerRatingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of debt instruments by issuer rating</link:label>
    <link:label id="lab_san_DisclosureOfDebtInstrumentsByIssuerRatingTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfDebtInstrumentsByIssuerRatingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Debt Instruments By Issuer Rating [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfDebtInstrumentsByIssuerRatingTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfDebtInstrumentsByIssuerRatingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Debt Instruments By Issuer Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfDebtInstrumentsByIssuerRatingTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfDebtInstrumentsByIssuerRatingTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfDebtInstrumentsByIssuerRatingTableTextBlock" xlink:to="lab_san_DisclosureOfDebtInstrumentsByIssuerRatingTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanFourteenthCycle2024Member_019ca0fb-cc70-7a6e-b029-e6ad13ee76de_terseLabel_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanFourteenthCycle2024Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan Fourteenth Cycle 2024</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanFourteenthCycle2024Member_label_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanFourteenthCycle2024Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan Fourteenth Cycle 2024 [Member]</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanFourteenthCycle2024Member_documentation_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanFourteenthCycle2024Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan Fourteenth Cycle 2024</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredConditionalVariableRemunerationPlanFourteenthCycle2024Member" xlink:href="san-20251231.xsd#san_DeferredConditionalVariableRemunerationPlanFourteenthCycle2024Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredConditionalVariableRemunerationPlanFourteenthCycle2024Member" xlink:to="lab_san_DeferredConditionalVariableRemunerationPlanFourteenthCycle2024Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfContingentLiabilitiesDomain_019ca0fb-c9cd-7b8e-b993-bdc1f7e6a0b8_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfContingentLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of contingent liabilities [domain]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfContingentLiabilitiesDomain_label_en-US" xlink:label="lab_ifrs-full_ClassesOfContingentLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of contingent liabilities [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfContingentLiabilitiesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfContingentLiabilitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfContingentLiabilitiesDomain" xlink:to="lab_ifrs-full_ClassesOfContingentLiabilitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod_019ca0fb-c94e-77af-a945-020e9444f700_terseLabel_en-US" xlink:label="lab_ifrs-full_PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments</link:label>
    <link:label id="lab_ifrs-full_PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod_label_en-US" xlink:label="lab_ifrs-full_PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Purchase of interests in investments accounted for using equity method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod" xlink:to="lab_ifrs-full_PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NetChangesOnFinancialAssets_019ca0fb-cb6b-75ae-b7c7-68717a958be4_negatedLabel_en-US" xlink:label="lab_san_NetChangesOnFinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Net changes on financial assets</link:label>
    <link:label id="lab_san_NetChangesOnFinancialAssets_label_en-US" xlink:label="lab_san_NetChangesOnFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Changes On Financial Assets</link:label>
    <link:label id="lab_san_NetChangesOnFinancialAssets_documentation_en-US" xlink:label="lab_san_NetChangesOnFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) in financial assets from other than transfers, write-offs and exchange differences, during the period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NetChangesOnFinancialAssets" xlink:href="san-20251231.xsd#san_NetChangesOnFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NetChangesOnFinancialAssets" xlink:to="lab_san_NetChangesOnFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfNonControllingInterestComponentsExplanatoryTableTextBlock_019ca0fb-c9cd-7672-a475-d2ac31256798_terseLabel_en-US" xlink:label="lab_san_DisclosureOfNonControllingInterestComponentsExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of detail, by Group company, of non-controlling interests</link:label>
    <link:label id="lab_san_DisclosureOfNonControllingInterestComponentsExplanatoryTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfNonControllingInterestComponentsExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Non-Controlling Interest Components Explanatory [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfNonControllingInterestComponentsExplanatoryTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfNonControllingInterestComponentsExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of components of non-controlling Interest.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfNonControllingInterestComponentsExplanatoryTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfNonControllingInterestComponentsExplanatoryTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfNonControllingInterestComponentsExplanatoryTableTextBlock" xlink:to="lab_san_DisclosureOfNonControllingInterestComponentsExplanatoryTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProceedsFromChangesInOwnershipInterestsInSubsidiaries_019ca0fb-ca4e-790d-8189-d097f6163eae_terseLabel_en-US" xlink:label="lab_ifrs-full_ProceedsFromChangesInOwnershipInterestsInSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from changes in ownership interests in subsidiaries that do not result in loss of control</link:label>
    <link:label id="lab_ifrs-full_ProceedsFromChangesInOwnershipInterestsInSubsidiaries_label_en-US" xlink:label="lab_ifrs-full_ProceedsFromChangesInOwnershipInterestsInSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from changes in ownership interests in subsidiaries that do not result in loss of control</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProceedsFromChangesInOwnershipInterestsInSubsidiaries" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProceedsFromChangesInOwnershipInterestsInSubsidiaries"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProceedsFromChangesInOwnershipInterestsInSubsidiaries" xlink:to="lab_ifrs-full_ProceedsFromChangesInOwnershipInterestsInSubsidiaries" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationLifeInsuranceTableTextBlock_019ca0fb-cc70-785b-a848-1e0af0d94fbc_terseLabel_en-US" xlink:label="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationLifeInsuranceTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule summarising remuneration related to life and disability insurance</link:label>
    <link:label id="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationLifeInsuranceTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationLifeInsuranceTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Transactions Between Related Parties, Remuneration, Life Insurance [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationLifeInsuranceTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationLifeInsuranceTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of remuneration between the entity and its related parties for life and disability insurance.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationLifeInsuranceTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationLifeInsuranceTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationLifeInsuranceTableTextBlock" xlink:to="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationLifeInsuranceTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfOtherProvisionsLineItems_019ca0fb-cb6b-796f-b47e-1b5c6d7ed5ec_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfOtherProvisionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of other provisions [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfOtherProvisionsLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfOtherProvisionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of other provisions [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfOtherProvisionsLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfOtherProvisionsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfOtherProvisionsLineItems" xlink:to="lab_ifrs-full_DisclosureOfOtherProvisionsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss_019ca0fb-cbee-78e6-ab90-6a11c786b1f9_terseLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities designated at fair value through profit or loss</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments for increase (decrease) in financial liabilities measured at fair value through profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss"/>
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    <link:label id="lab_san_ExpectedShortfall_019ca0fb-c94e-7865-a81c-55e95aaa100d_terseLabel_en-US" xlink:label="lab_san_ExpectedShortfall" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expected shortfall</link:label>
    <link:label id="lab_san_ExpectedShortfall_label_en-US" xlink:label="lab_san_ExpectedShortfall" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Expected Shortfall</link:label>
    <link:label id="lab_san_ExpectedShortfall_documentation_en-US" xlink:label="lab_san_ExpectedShortfall" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Expected Shortfall</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ExpectedShortfall" xlink:href="san-20251231.xsd#san_ExpectedShortfall"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ExpectedShortfall" xlink:to="lab_san_ExpectedShortfall" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherPriceRiskMember_019ca0fb-cbee-7df0-bb2c-4ea7f0404547_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherPriceRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Price risk</link:label>
    <link:label id="lab_ifrs-full_OtherPriceRiskMember_label_en-US" xlink:label="lab_ifrs-full_OtherPriceRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other price risk [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherPriceRiskMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherPriceRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherPriceRiskMember" xlink:to="lab_ifrs-full_OtherPriceRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemExplanatory_019ca0fb-ca4e-77a5-b9ec-4808a24e5a0b_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of analysis of other comprehensive income by item [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemExplanatory" xlink:to="lab_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AverageNumberOfEmployees_019ca0fb-c94e-726a-bfc7-ea060e837587_terseLabel_en-US" xlink:label="lab_ifrs-full_AverageNumberOfEmployees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average number of employees</link:label>
    <link:label id="lab_ifrs-full_AverageNumberOfEmployees_label_en-US" xlink:label="lab_ifrs-full_AverageNumberOfEmployees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Average number of employees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AverageNumberOfEmployees" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AverageNumberOfEmployees"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AverageNumberOfEmployees" xlink:to="lab_ifrs-full_AverageNumberOfEmployees" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FinancialLiabilitiesAttributableToBorrowedSecurities_019ca0fb-cbee-74fd-a933-b7b3cff86caf_terseLabel_en-US" xlink:label="lab_san_FinancialLiabilitiesAttributableToBorrowedSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Borrowed securities</link:label>
    <link:label id="lab_san_FinancialLiabilitiesAttributableToBorrowedSecurities_label_en-US" xlink:label="lab_san_FinancialLiabilitiesAttributableToBorrowedSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Liabilities Attributable To Borrowed Securities</link:label>
    <link:label id="lab_san_FinancialLiabilitiesAttributableToBorrowedSecurities_documentation_en-US" xlink:label="lab_san_FinancialLiabilitiesAttributableToBorrowedSecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of financial liabilities attributable to borrowed securities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinancialLiabilitiesAttributableToBorrowedSecurities" xlink:href="san-20251231.xsd#san_FinancialLiabilitiesAttributableToBorrowedSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FinancialLiabilitiesAttributableToBorrowedSecurities" xlink:to="lab_san_FinancialLiabilitiesAttributableToBorrowedSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedFinancialStatementsCaptionsLineItems_019ca0fb-c94e-7b41-94b5-0d962192fe14_terseLabel_en-US" xlink:label="lab_srt_CondensedFinancialStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Financial Statements, Captions [Line Items]</link:label>
    <link:label id="lab_srt_CondensedFinancialStatementsCaptionsLineItems_label_en-US" xlink:label="lab_srt_CondensedFinancialStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Financial Statements, Captions [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedFinancialStatementsCaptionsLineItems" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CondensedFinancialStatementsCaptionsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedFinancialStatementsCaptionsLineItems" xlink:to="lab_srt_CondensedFinancialStatementsCaptionsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FinanceLeaseLoansMember_019ca0fb-c9cd-7658-b9bb-27113042938b_terseLabel_en-US" xlink:label="lab_san_FinanceLeaseLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finance leases</link:label>
    <link:label id="lab_san_FinanceLeaseLoansMember_label_en-US" xlink:label="lab_san_FinanceLeaseLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finance Lease Loans [Member]</link:label>
    <link:label id="lab_san_FinanceLeaseLoansMember_documentation_en-US" xlink:label="lab_san_FinanceLeaseLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for finance lease loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinanceLeaseLoansMember" xlink:href="san-20251231.xsd#san_FinanceLeaseLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FinanceLeaseLoansMember" xlink:to="lab_san_FinanceLeaseLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfExternalCreditExposuresLineItems_019ca0fb-cc70-7278-b91f-b06153755490_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfExternalCreditExposuresLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exposure and impairment losses</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfExternalCreditExposuresLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfExternalCreditExposuresLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of external credit grades [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfExternalCreditExposuresLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfExternalCreditExposuresLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfExternalCreditExposuresLineItems" xlink:to="lab_ifrs-full_DisclosureOfExternalCreditExposuresLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_019ca0fb-ca4e-7a4a-85e4-c7f25fb549cc_terseLabel_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Leased out&#160;under an&#160;operating lease</link:label>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember_label_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, plant and equipment subject to operating leases [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember" xlink:to="lab_ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EuroAndColombiaPesoMember_019ca0fb-cb6b-7154-8e6a-ec006780a1d4_terseLabel_en-US" xlink:label="lab_san_EuroAndColombiaPesoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">EUR/COP</link:label>
    <link:label id="lab_san_EuroAndColombiaPesoMember_label_en-US" xlink:label="lab_san_EuroAndColombiaPesoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Euro And Colombia Peso [Member]</link:label>
    <link:label id="lab_san_EuroAndColombiaPesoMember_documentation_en-US" xlink:label="lab_san_EuroAndColombiaPesoMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Euro And Colombia Peso</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EuroAndColombiaPesoMember" xlink:href="san-20251231.xsd#san_EuroAndColombiaPesoMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EuroAndColombiaPesoMember" xlink:to="lab_san_EuroAndColombiaPesoMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ActuarialAssumptionOfDiscountRates_019ca0fb-c9cd-7651-888d-0a653b7d3287_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfDiscountRates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Annual discount rate</link:label>
    <link:label id="lab_ifrs-full_ActuarialAssumptionOfDiscountRates_label_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfDiscountRates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Actuarial assumption of discount rates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialAssumptionOfDiscountRates" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ActuarialAssumptionOfDiscountRates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ActuarialAssumptionOfDiscountRates" xlink:to="lab_ifrs-full_ActuarialAssumptionOfDiscountRates" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PrepaymentsAndAccruedIncome_019ca0fb-cc70-75a3-8e90-cab1772a9f0d_terseLabel_en-US" xlink:label="lab_san_PrepaymentsAndAccruedIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Prepayments and accrued income</link:label>
    <link:label id="lab_san_PrepaymentsAndAccruedIncome_label_en-US" xlink:label="lab_san_PrepaymentsAndAccruedIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Prepayments And Accrued Income</link:label>
    <link:label id="lab_san_PrepaymentsAndAccruedIncome_documentation_en-US" xlink:label="lab_san_PrepaymentsAndAccruedIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of prepayments and accrued income. [Refer: Prepayments; Accrued income]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PrepaymentsAndAccruedIncome" xlink:href="san-20251231.xsd#san_PrepaymentsAndAccruedIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PrepaymentsAndAccruedIncome" xlink:to="lab_san_PrepaymentsAndAccruedIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_HighQualityLiquidAssetsCashOutflow_019ca0fb-ca4e-740f-abe3-559a414e8472_terseLabel_en-US" xlink:label="lab_san_HighQualityLiquidAssetsCashOutflow" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash outflows</link:label>
    <link:label id="lab_san_HighQualityLiquidAssetsCashOutflow_label_en-US" xlink:label="lab_san_HighQualityLiquidAssetsCashOutflow" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">High-Quality Liquid Assets, Cash Outflow</link:label>
    <link:label id="lab_san_HighQualityLiquidAssetsCashOutflow_documentation_en-US" xlink:label="lab_san_HighQualityLiquidAssetsCashOutflow" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">High-Quality Liquid Assets, Cash Outflow</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_HighQualityLiquidAssetsCashOutflow" xlink:href="san-20251231.xsd#san_HighQualityLiquidAssetsCashOutflow"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_HighQualityLiquidAssetsCashOutflow" xlink:to="lab_san_HighQualityLiquidAssetsCashOutflow" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated_019ca0fb-c9cd-706c-a032-44bd1ac48870_terseLabel_en-US" xlink:label="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging instruments (items not designated)</link:label>
    <link:label id="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated_label_en-US" xlink:label="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Reserves, Other Comprehensive Income, Before Tax, Hedging Instruments Not Designated</link:label>
    <link:label id="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated_documentation_en-US" xlink:label="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Reserves, Other Comprehensive Income, Before Tax, Hedging Instruments Not Designated</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" xlink:href="san-20251231.xsd#san_OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" xlink:to="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency_019ca0fb-cbee-72d7-b776-769a56d81d1e_terseLabel_en-US" xlink:label="lab_san_IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">1 % depreciation of euro, effect on consolidated equity</link:label>
    <link:label id="lab_san_IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency_label_en-US" xlink:label="lab_san_IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase In Consolidated Equity Due To Reasonably Possible Depreciation Of Entity's Functional Currency</link:label>
    <link:label id="lab_san_IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency_documentation_en-US" xlink:label="lab_san_IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The estimated increase in consolidated equity that would have been caused by a depreciation of entity's functional currency that was reasonably possible at the end of the reporting period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" xlink:href="san-20251231.xsd#san_IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" xlink:to="lab_san_IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfMainCategoriesOfDefinedBenefitPlanAssetsTableTextBlock_019ca0fb-c94e-75ff-a0a0-2ce1005d2802_terseLabel_en-US" xlink:label="lab_san_DisclosureOfMainCategoriesOfDefinedBenefitPlanAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of main categories of plan assets</link:label>
    <link:label id="lab_san_DisclosureOfMainCategoriesOfDefinedBenefitPlanAssetsTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfMainCategoriesOfDefinedBenefitPlanAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Main Categories Of Defined Benefit Plan Assets [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfMainCategoriesOfDefinedBenefitPlanAssetsTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfMainCategoriesOfDefinedBenefitPlanAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of main categories of plan assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfMainCategoriesOfDefinedBenefitPlanAssetsTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfMainCategoriesOfDefinedBenefitPlanAssetsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfMainCategoriesOfDefinedBenefitPlanAssetsTableTextBlock" xlink:to="lab_san_DisclosureOfMainCategoriesOfDefinedBenefitPlanAssetsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TSBBankingGroupPlcTSBMember_019ca0fb-c94e-7c7e-8a5b-8c7eb8cdfc6e_terseLabel_en-US" xlink:label="lab_san_TSBBankingGroupPlcTSBMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">TSB Banking Group plc (TSB)</link:label>
    <link:label id="lab_san_TSBBankingGroupPlcTSBMember_label_en-US" xlink:label="lab_san_TSBBankingGroupPlcTSBMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">TSB Banking Group plc (TSB) [Member]</link:label>
    <link:label id="lab_san_TSBBankingGroupPlcTSBMember_documentation_en-US" xlink:label="lab_san_TSBBankingGroupPlcTSBMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">TSB Banking Group plc (TSB)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TSBBankingGroupPlcTSBMember" xlink:href="san-20251231.xsd#san_TSBBankingGroupPlcTSBMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TSBBankingGroupPlcTSBMember" xlink:to="lab_san_TSBBankingGroupPlcTSBMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LiabilitiesRelatedPartyTransactions_019ca0fb-ca4d-7db3-8b67-06d7a7b5ccf4_terseLabel_en-US" xlink:label="lab_san_LiabilitiesRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities</link:label>
    <link:label id="lab_san_LiabilitiesRelatedPartyTransactions_label_en-US" xlink:label="lab_san_LiabilitiesRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities, Related Party Transactions</link:label>
    <link:label id="lab_san_LiabilitiesRelatedPartyTransactions_documentation_en-US" xlink:label="lab_san_LiabilitiesRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of liabilities attributable to related party transactions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LiabilitiesRelatedPartyTransactions" xlink:href="san-20251231.xsd#san_LiabilitiesRelatedPartyTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LiabilitiesRelatedPartyTransactions" xlink:to="lab_san_LiabilitiesRelatedPartyTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration_019ca0fb-cad3-7c1a-b65e-ada03e54da8e_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash paid, immediate</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Cash Payment Immediate Remuneration</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of Key Management Personnel Compensation Cash Payment Immediate Remuneration.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration" xlink:to="lab_san_KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TypesOfCustomersDomain_019ca0fb-c9cd-76de-9ede-42035b8529cc_terseLabel_en-US" xlink:label="lab_ifrs-full_TypesOfCustomersDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Types of customers [domain]</link:label>
    <link:label id="lab_ifrs-full_TypesOfCustomersDomain_label_en-US" xlink:label="lab_ifrs-full_TypesOfCustomersDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Types of customers [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TypesOfCustomersDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TypesOfCustomersDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TypesOfCustomersDomain" xlink:to="lab_ifrs-full_TypesOfCustomersDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherFinancialAssetsAndLiabilitiesMember_019ca0fb-ca4e-715a-9d3f-22aee138521c_terseLabel_en-US" xlink:label="lab_san_OtherFinancialAssetsAndLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other financial assets and liabilities</link:label>
    <link:label id="lab_san_OtherFinancialAssetsAndLiabilitiesMember_label_en-US" xlink:label="lab_san_OtherFinancialAssetsAndLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Financial Assets And Liabilities [Member]</link:label>
    <link:label id="lab_san_OtherFinancialAssetsAndLiabilitiesMember_documentation_en-US" xlink:label="lab_san_OtherFinancialAssetsAndLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Financial Assets And Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherFinancialAssetsAndLiabilitiesMember" xlink:href="san-20251231.xsd#san_OtherFinancialAssetsAndLiabilitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherFinancialAssetsAndLiabilitiesMember" xlink:to="lab_san_OtherFinancialAssetsAndLiabilitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome_019ca0fb-cbee-71cb-a6f1-718e55d1bac3_verboseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome_019ca0fb-cbee-7c87-b8b1-aed960c1b1eb_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome_019ca0fb-cbee-785c-b833-61e4119daca7_periodStartLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance at beginning of&#160;the year</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome_019ca0fb-cbee-72ba-8495-6afd7dba4159_periodEndLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance at end of&#160;year</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome_019ca0fb-cbee-77dd-b6ef-4963cc7691de_netLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Fair Value</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:to="lab_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherAdministrativeExpenses_019ca0fb-ca4e-7fb0-8db2-16b6767ee492_terseLabel_en-US" xlink:label="lab_san_OtherAdministrativeExpenses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other administrative expenses</link:label>
    <link:label id="lab_san_OtherAdministrativeExpenses_label_en-US" xlink:label="lab_san_OtherAdministrativeExpenses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Administrative Expenses</link:label>
    <link:label id="lab_san_OtherAdministrativeExpenses_documentation_en-US" xlink:label="lab_san_OtherAdministrativeExpenses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Expenses the entity classifies as administrative.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherAdministrativeExpenses" xlink:href="san-20251231.xsd#san_OtherAdministrativeExpenses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherAdministrativeExpenses" xlink:to="lab_san_OtherAdministrativeExpenses" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BeneficiariesWithTargetTotalVariableRemunerationHigherOrEqualTo27MillionEurosMember_019ca0fb-c94e-78f6-a20c-6cce48c6db84_terseLabel_en-US" xlink:label="lab_san_BeneficiariesWithTargetTotalVariableRemunerationHigherOrEqualTo27MillionEurosMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Beneficiaries with target total variable remuneration higher or equal to 2.7 million euros</link:label>
    <link:label id="lab_san_BeneficiariesWithTargetTotalVariableRemunerationHigherOrEqualTo27MillionEurosMember_label_en-US" xlink:label="lab_san_BeneficiariesWithTargetTotalVariableRemunerationHigherOrEqualTo27MillionEurosMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Beneficiaries With Target Total Variable Remuneration Higher Or Equal To 2.7 Million Euros [Member]</link:label>
    <link:label id="lab_san_BeneficiariesWithTargetTotalVariableRemunerationHigherOrEqualTo27MillionEurosMember_documentation_en-US" xlink:label="lab_san_BeneficiariesWithTargetTotalVariableRemunerationHigherOrEqualTo27MillionEurosMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Beneficiaries With Target Total Variable Remuneration Higher Or Equal To 2.7 Million Euros</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BeneficiariesWithTargetTotalVariableRemunerationHigherOrEqualTo27MillionEurosMember" xlink:href="san-20251231.xsd#san_BeneficiariesWithTargetTotalVariableRemunerationHigherOrEqualTo27MillionEurosMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BeneficiariesWithTargetTotalVariableRemunerationHigherOrEqualTo27MillionEurosMember" xlink:to="lab_san_BeneficiariesWithTargetTotalVariableRemunerationHigherOrEqualTo27MillionEurosMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfSubordinatedLiabilitiesExplanatory_019ca0fb-ca4e-7bf0-a985-022dd7b78668_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfSubordinatedLiabilitiesExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated liabilities</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfSubordinatedLiabilitiesExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfSubordinatedLiabilitiesExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of subordinated liabilities [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfSubordinatedLiabilitiesExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfSubordinatedLiabilitiesExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfSubordinatedLiabilitiesExplanatory" xlink:to="lab_ifrs-full_DisclosureOfSubordinatedLiabilitiesExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MaturityOfOtherFinancialInstruments_019ca0fb-cb6b-76d7-a5c0-349b6414ec71_negatedTerseLabel_en-US" xlink:label="lab_san_MaturityOfOtherFinancialInstruments" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Maturity of other financial instruments</link:label>
    <link:label id="lab_san_MaturityOfOtherFinancialInstruments_label_en-US" xlink:label="lab_san_MaturityOfOtherFinancialInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maturity Of Other Financial Instruments</link:label>
    <link:label id="lab_san_MaturityOfOtherFinancialInstruments_documentation_en-US" xlink:label="lab_san_MaturityOfOtherFinancialInstruments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maturity Of Other Financial Instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MaturityOfOtherFinancialInstruments" xlink:href="san-20251231.xsd#san_MaturityOfOtherFinancialInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MaturityOfOtherFinancialInstruments" xlink:to="lab_san_MaturityOfOtherFinancialInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem_019ca0fb-ca4e-7e73-9aa6-0b4829f608f7_terseLabel_en-US" xlink:label="lab_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedged item)</link:label>
    <link:label id="lab_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem_label_en-US" xlink:label="lab_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income, Before Tax, Gains (Losses) On Hedged Item</link:label>
    <link:label id="lab_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem_documentation_en-US" xlink:label="lab_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income, Before Tax, Gains (Losses) On Hedged Item</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" xlink:href="san-20251231.xsd#san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" xlink:to="lab_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets_019ca0fb-cc70-7035-abb6-eb15e1853282_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in fair value recognized in profit or loss</link:label>
    <link:label id="lab_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets_label_en-US" xlink:label="lab_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (losses) recognised in profit or loss including exchange differences, fair value measurement, assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" xlink:to="lab_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTextBlock_019ca0fb-c94e-7210-b0b7-0eee79cca102_terseLabel_en-US" xlink:label="lab_san_DisclosureOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains or losses on non financial assets, net</link:label>
    <link:label id="lab_san_DisclosureOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Gains (Losses) On Disposal Of Assets Not Classified As Non-Current Assets Held For Sale [Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The entire disclosure of gains (losses) on disposal of assets not classified as held for sale.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTextBlock" xlink:to="lab_san_DisclosureOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FromBBToBMember_019ca0fb-cb6b-749c-a021-4128273e46b9_terseLabel_en-US" xlink:label="lab_san_FromBBToBMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">From BB- to B-</link:label>
    <link:label id="lab_san_FromBBToBMember_label_en-US" xlink:label="lab_san_FromBBToBMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">From BB- To B- [Member]</link:label>
    <link:label id="lab_san_FromBBToBMember_documentation_en-US" xlink:label="lab_san_FromBBToBMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">From BB- To B-</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FromBBToBMember" xlink:href="san-20251231.xsd#san_FromBBToBMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FromBBToBMember" xlink:to="lab_san_FromBBToBMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TaxLiabilities_019ca0fb-cb6b-794f-bf97-8ed85f43c647_totalLabel_en-US" xlink:label="lab_san_TaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">TAX LIABILITIES</link:label>
    <link:label id="lab_san_TaxLiabilities_019ca0fb-cb6b-7323-b7c5-4c447c6ea81f_terseLabel_en-US" xlink:label="lab_san_TaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax liabilities</link:label>
    <link:label id="lab_san_TaxLiabilities_label_en-US" xlink:label="lab_san_TaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Liabilities</link:label>
    <link:label id="lab_san_TaxLiabilities_documentation_en-US" xlink:label="lab_san_TaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of tax for current, prior, and future periods to the extent unpaid.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TaxLiabilities" xlink:href="san-20251231.xsd#san_TaxLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TaxLiabilities" xlink:to="lab_san_TaxLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfProvisionalAccountingStatementForInterimDividendTableTextBlock_019ca0fb-c9cd-7710-baf4-05680bc96e9e_terseLabel_en-US" xlink:label="lab_san_ScheduleOfProvisionalAccountingStatementForInterimDividendTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of provisional accounting statement for interim dividend</link:label>
    <link:label id="lab_san_ScheduleOfProvisionalAccountingStatementForInterimDividendTableTextBlock_label_en-US" xlink:label="lab_san_ScheduleOfProvisionalAccountingStatementForInterimDividendTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Provisional Accounting Statement For Interim Dividend [Table Text Block]</link:label>
    <link:label id="lab_san_ScheduleOfProvisionalAccountingStatementForInterimDividendTableTextBlock_documentation_en-US" xlink:label="lab_san_ScheduleOfProvisionalAccountingStatementForInterimDividendTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Schedule Of Provisional Accounting Statement For Interim Dividend</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfProvisionalAccountingStatementForInterimDividendTableTextBlock" xlink:href="san-20251231.xsd#san_ScheduleOfProvisionalAccountingStatementForInterimDividendTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfProvisionalAccountingStatementForInterimDividendTableTextBlock" xlink:to="lab_san_ScheduleOfProvisionalAccountingStatementForInterimDividendTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationImmediatePaymentPercentage_019ca0fb-cb6b-7054-a5d8-c34ba2daa2de_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationImmediatePaymentPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Immediate payment percentage</link:label>
    <link:label id="lab_san_VariableRemunerationImmediatePaymentPercentage_label_en-US" xlink:label="lab_san_VariableRemunerationImmediatePaymentPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Immediate Payment Percentage</link:label>
    <link:label id="lab_san_VariableRemunerationImmediatePaymentPercentage_documentation_en-US" xlink:label="lab_san_VariableRemunerationImmediatePaymentPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage of variable remuneration with immediate payment during the period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationImmediatePaymentPercentage" xlink:href="san-20251231.xsd#san_VariableRemunerationImmediatePaymentPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationImmediatePaymentPercentage" xlink:to="lab_san_VariableRemunerationImmediatePaymentPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherProvisions_019ca0fb-c94e-7fac-afed-181afb4a7144_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other provisions</link:label>
    <link:label id="lab_ifrs-full_OtherProvisions_label_en-US" xlink:label="lab_ifrs-full_OtherProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherProvisions" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherProvisions" xlink:to="lab_ifrs-full_OtherProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReconciliationOfChangesInGoodwillAbstract_019ca0fb-ca4e-7b29-8bce-7b51926f03f7_terseLabel_en-US" xlink:label="lab_ifrs-full_ReconciliationOfChangesInGoodwillAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in goodwill</link:label>
    <link:label id="lab_ifrs-full_ReconciliationOfChangesInGoodwillAbstract_label_en-US" xlink:label="lab_ifrs-full_ReconciliationOfChangesInGoodwillAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reconciliation of changes in goodwill [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReconciliationOfChangesInGoodwillAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ReconciliationOfChangesInGoodwillAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReconciliationOfChangesInGoodwillAbstract" xlink:to="lab_ifrs-full_ReconciliationOfChangesInGoodwillAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfReservesWithinEquityLineItems_019ca0fb-c9cd-7d29-90db-165e9018153c_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfReservesWithinEquityLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of reserves within equity [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfReservesWithinEquityLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfReservesWithinEquityLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of reserves within equity [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfReservesWithinEquityLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfReservesWithinEquityLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfReservesWithinEquityLineItems" xlink:to="lab_ifrs-full_DisclosureOfReservesWithinEquityLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SignificantUnobservableInputLiabilities_019ca0fb-cbee-7f94-b1bb-77a1e3bb137c_terseLabel_en-US" xlink:label="lab_ifrs-full_SignificantUnobservableInputLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Significant unobservable input, liabilities</link:label>
    <link:label id="lab_ifrs-full_SignificantUnobservableInputLiabilities_label_en-US" xlink:label="lab_ifrs-full_SignificantUnobservableInputLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Significant unobservable input, liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SignificantUnobservableInputLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SignificantUnobservableInputLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SignificantUnobservableInputLiabilities" xlink:to="lab_ifrs-full_SignificantUnobservableInputLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_WebsterFinancialCorporationMember_019ca0fb-c94e-7cda-9581-4e363c7c1bbd_terseLabel_en-US" xlink:label="lab_san_WebsterFinancialCorporationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Webster Financial Corporation</link:label>
    <link:label id="lab_san_WebsterFinancialCorporationMember_label_en-US" xlink:label="lab_san_WebsterFinancialCorporationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Webster Financial Corporation [Member]</link:label>
    <link:label id="lab_san_WebsterFinancialCorporationMember_documentation_en-US" xlink:label="lab_san_WebsterFinancialCorporationMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Webster Financial Corporation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_WebsterFinancialCorporationMember" xlink:href="san-20251231.xsd#san_WebsterFinancialCorporationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_WebsterFinancialCorporationMember" xlink:to="lab_san_WebsterFinancialCorporationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesDomain_019ca0fb-cb6b-7b77-a298-32ffbd51f293_terseLabel_en-US" xlink:label="lab_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash-generating units [domain]</link:label>
    <link:label id="lab_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesDomain_label_en-US" xlink:label="lab_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash-generating units [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesDomain" xlink:to="lab_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesLineItems_019ca0fb-cad3-7bed-8cee-92500396ff37_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of unconsolidated structured entities [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of unconsolidated structured entities [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesLineItems" xlink:to="lab_ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NumberOfEmployees_019ca0fb-cbee-7750-a049-647b5e9fbffc_terseLabel_en-US" xlink:label="lab_ifrs-full_NumberOfEmployees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number&#160;of persons</link:label>
    <link:label id="lab_ifrs-full_NumberOfEmployees_019ca0fb-cbee-7923-8d3c-baca6a8f578d_verboseLabel_en-US" xlink:label="lab_ifrs-full_NumberOfEmployees" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total number of employees</link:label>
    <link:label id="lab_ifrs-full_NumberOfEmployees_label_en-US" xlink:label="lab_ifrs-full_NumberOfEmployees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number of employees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NumberOfEmployees" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NumberOfEmployees"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NumberOfEmployees" xlink:to="lab_ifrs-full_NumberOfEmployees" xlink:type="arc" order="1"/>
    <link:label id="lab_san_UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale_019ca0fb-cad3-7599-aa9a-7f36ba28a344_terseLabel_en-US" xlink:label="lab_san_UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value less costs to sell of non-current assets held for sale exceeding carrying amount</link:label>
    <link:label id="lab_san_UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale_label_en-US" xlink:label="lab_san_UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrealized Gain (Loss) Of Fair Value Less Costs To Sell Of Non-Current Assets Held For Sale</link:label>
    <link:label id="lab_san_UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale_documentation_en-US" xlink:label="lab_san_UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The net excess or deficiency of the fair value less costs to sell of non-current assets held for sale over or under carrying amount, which excess value or deficiency has not been recognized in earnings of the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale" xlink:href="san-20251231.xsd#san_UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale" xlink:to="lab_san_UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RepaidByBancoSantanderS.A.InSeptember2025Member_019ca0fb-cb6b-70ea-b1a4-564d7832c83b_terseLabel_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InSeptember2025Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repaid By Banco Santander S.A. In September 2025</link:label>
    <link:label id="lab_san_RepaidByBancoSantanderS.A.InSeptember2025Member_label_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InSeptember2025Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repaid By Banco Santander S.A. In September 2025 [Member]</link:label>
    <link:label id="lab_san_RepaidByBancoSantanderS.A.InSeptember2025Member_documentation_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InSeptember2025Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Repaid By Banco Santander S.A. In September 2025</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RepaidByBancoSantanderS.A.InSeptember2025Member" xlink:href="san-20251231.xsd#san_RepaidByBancoSantanderS.A.InSeptember2025Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RepaidByBancoSantanderS.A.InSeptember2025Member" xlink:to="lab_san_RepaidByBancoSantanderS.A.InSeptember2025Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentShortTermNumberOfDeferrals_019ca0fb-c94e-74c6-9b79-c34a28fc64a5_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentShortTermNumberOfDeferrals" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred payment, short term, number of deferrals</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentShortTermNumberOfDeferrals_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentShortTermNumberOfDeferrals" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Short Term, Number Of Deferrals</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentShortTermNumberOfDeferrals_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentShortTermNumberOfDeferrals" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Short Term, Number Of Deferrals</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentShortTermNumberOfDeferrals" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentShortTermNumberOfDeferrals"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentShortTermNumberOfDeferrals" xlink:to="lab_san_VariableRemunerationDeferredPaymentShortTermNumberOfDeferrals" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract_019ca0fb-cb6b-7110-933a-66652ba155a9_terseLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">1. Cash flows from operating activities</link:label>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract_label_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash flows from (used in) operating activities [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xlink:to="lab_ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_BRL_019ca0fb-cc70-76ee-8381-96cd1cde95d5_terseLabel_en-US" xlink:label="lab_currency_BRL" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Brazilian real</link:label>
    <link:label id="lab_currency_BRL_label_en-US" xlink:label="lab_currency_BRL" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Brazil, Brazil Real</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_BRL" xlink:href="https://xbrl.sec.gov/currency/2025/currency-2025.xsd#currency_BRL"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_BRL" xlink:to="lab_currency_BRL" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GovernmentDebtMember_019ca0fb-ca4e-7c59-be4c-d1b0893b1cf4_terseLabel_en-US" xlink:label="lab_san_GovernmentDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Government debt</link:label>
    <link:label id="lab_san_GovernmentDebtMember_label_en-US" xlink:label="lab_san_GovernmentDebtMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Government Debt [Member]</link:label>
    <link:label id="lab_san_GovernmentDebtMember_documentation_en-US" xlink:label="lab_san_GovernmentDebtMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Government Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GovernmentDebtMember" xlink:href="san-20251231.xsd#san_GovernmentDebtMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GovernmentDebtMember" xlink:to="lab_san_GovernmentDebtMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ReportableLegalEntitiesMember_019ca0fb-c9cd-71b0-b672-0b4ed0509136_terseLabel_en-US" xlink:label="lab_srt_ReportableLegalEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reportable Legal Entities</link:label>
    <link:label id="lab_srt_ReportableLegalEntitiesMember_label_en-US" xlink:label="lab_srt_ReportableLegalEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reportable Legal Entities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ReportableLegalEntitiesMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ReportableLegalEntitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ReportableLegalEntitiesMember" xlink:to="lab_srt_ReportableLegalEntitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod_019ca0fb-cc70-7d42-bfb7-4bd750de9609_terseLabel_en-US" xlink:label="lab_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income from companies accounted for using the equity method</link:label>
    <link:label id="lab_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod_019ca0fb-cc70-7053-bcf3-b3fb1fa03326_netLabel_en-US" xlink:label="lab_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Effect of equity accounting</link:label>
    <link:label id="lab_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod_019ca0fb-cc70-7ab1-b92b-5fe3904732dc_verboseLabel_en-US" xlink:label="lab_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Investments accounted for using the equity method</link:label>
    <link:label id="lab_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod_label_en-US" xlink:label="lab_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share of profit (loss) of associates and joint ventures accounted for using equity method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" xlink:to="lab_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OptionContractAndFuturesContractAndOtherDerivativesMember_019ca0fb-cbee-70ef-bbe8-bedf613a7406_terseLabel_en-US" xlink:label="lab_san_OptionContractAndFuturesContractAndOtherDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Options, futures and other derivatives</link:label>
    <link:label id="lab_san_OptionContractAndFuturesContractAndOtherDerivativesMember_label_en-US" xlink:label="lab_san_OptionContractAndFuturesContractAndOtherDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Option Contract And Futures Contract And Other Derivatives [Member]</link:label>
    <link:label id="lab_san_OptionContractAndFuturesContractAndOtherDerivativesMember_documentation_en-US" xlink:label="lab_san_OptionContractAndFuturesContractAndOtherDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The member stands for options, futures and other derivatives.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OptionContractAndFuturesContractAndOtherDerivativesMember" xlink:href="san-20251231.xsd#san_OptionContractAndFuturesContractAndOtherDerivativesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OptionContractAndFuturesContractAndOtherDerivativesMember" xlink:to="lab_san_OptionContractAndFuturesContractAndOtherDerivativesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentPeriodEndDate_019ca0fb-cbee-7986-8630-283173a60933_terseLabel_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Period End Date</link:label>
    <link:label id="lab_dei_DocumentPeriodEndDate_label_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Period End Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentPeriodEndDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentPeriodEndDate" xlink:to="lab_dei_DocumentPeriodEndDate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AuditCommitteeAndRiskSupervisionRegulationAndComplianceOversightCommitteeMember_019ca0fb-cad3-74f7-a0d2-f7a815d048bf_terseLabel_en-US" xlink:label="lab_san_AuditCommitteeAndRiskSupervisionRegulationAndComplianceOversightCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Audit committee and risk supervision, regulation and compliance committee</link:label>
    <link:label id="lab_san_AuditCommitteeAndRiskSupervisionRegulationAndComplianceOversightCommitteeMember_label_en-US" xlink:label="lab_san_AuditCommitteeAndRiskSupervisionRegulationAndComplianceOversightCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Audit Committee And Risk Supervision, Regulation And Compliance Oversight Committee [Member]</link:label>
    <link:label id="lab_san_AuditCommitteeAndRiskSupervisionRegulationAndComplianceOversightCommitteeMember_documentation_en-US" xlink:label="lab_san_AuditCommitteeAndRiskSupervisionRegulationAndComplianceOversightCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents members of the Audit Committee and Risk Supervision, Regulation and Compliance Oversight Committees.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AuditCommitteeAndRiskSupervisionRegulationAndComplianceOversightCommitteeMember" xlink:href="san-20251231.xsd#san_AuditCommitteeAndRiskSupervisionRegulationAndComplianceOversightCommitteeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AuditCommitteeAndRiskSupervisionRegulationAndComplianceOversightCommitteeMember" xlink:to="lab_san_AuditCommitteeAndRiskSupervisionRegulationAndComplianceOversightCommitteeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfFinancialAssetsAtFairValueThroughProfitOrLossTableTextBlock_019ca0fb-cbee-7125-a139-ddbf042ab069_terseLabel_en-US" xlink:label="lab_san_DisclosureOfFinancialAssetsAtFairValueThroughProfitOrLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of detail of asset balances measured at fair value through profit or loss</link:label>
    <link:label id="lab_san_DisclosureOfFinancialAssetsAtFairValueThroughProfitOrLossTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfFinancialAssetsAtFairValueThroughProfitOrLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Financial Assets At Fair Value Through Profit Or Loss [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfFinancialAssetsAtFairValueThroughProfitOrLossTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfFinancialAssetsAtFairValueThroughProfitOrLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of financial assets measured at fair value through profit or loss.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfFinancialAssetsAtFairValueThroughProfitOrLossTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfFinancialAssetsAtFairValueThroughProfitOrLossTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfFinancialAssetsAtFairValueThroughProfitOrLossTableTextBlock" xlink:to="lab_san_DisclosureOfFinancialAssetsAtFairValueThroughProfitOrLossTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits_019ca0fb-c9cd-7acd-bc21-2360d07c8c59_terseLabel_en-US" xlink:label="lab_san_PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Past service cost</link:label>
    <link:label id="lab_san_PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits_label_en-US" xlink:label="lab_san_PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Past Service Cost Charged To Income Statement Related To Defined Benefits</link:label>
    <link:label id="lab_san_PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits_documentation_en-US" xlink:label="lab_san_PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Past service cost charged to income statement related to defined benefits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits" xlink:href="san-20251231.xsd#san_PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits" xlink:to="lab_san_PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NonadjustingEventsAfterReportingPeriodDomain_019ca0fb-c94e-7191-9136-16c6099f3b2d_terseLabel_en-US" xlink:label="lab_ifrs-full_NonadjustingEventsAfterReportingPeriodDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-adjusting events after reporting period [domain]</link:label>
    <link:label id="lab_ifrs-full_NonadjustingEventsAfterReportingPeriodDomain_label_en-US" xlink:label="lab_ifrs-full_NonadjustingEventsAfterReportingPeriodDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-adjusting events after reporting period [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NonadjustingEventsAfterReportingPeriodDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NonadjustingEventsAfterReportingPeriodDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NonadjustingEventsAfterReportingPeriodDomain" xlink:to="lab_ifrs-full_NonadjustingEventsAfterReportingPeriodDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.AndSantanderBankPolskaS.A.Member_019ca0fb-ca4e-79bf-b9ee-3c5bd4a6ba18_terseLabel_en-US" xlink:label="lab_san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.AndSantanderBankPolskaS.A.Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Towarzystwo Funduszy Inwestycyjnych S.A. And Santander Bank Polska S.A.</link:label>
    <link:label id="lab_san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.AndSantanderBankPolskaS.A.Member_label_en-US" xlink:label="lab_san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.AndSantanderBankPolskaS.A.Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Towarzystwo Funduszy Inwestycyjnych S.A. And Santander Bank Polska S.A. [Member]</link:label>
    <link:label id="lab_san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.AndSantanderBankPolskaS.A.Member_documentation_en-US" xlink:label="lab_san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.AndSantanderBankPolskaS.A.Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Towarzystwo Funduszy Inwestycyjnych S.A. and Santander Bank Polska S.A.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.AndSantanderBankPolskaS.A.Member" xlink:href="san-20251231.xsd#san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.AndSantanderBankPolskaS.A.Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.AndSantanderBankPolskaS.A.Member" xlink:to="lab_san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.AndSantanderBankPolskaS.A.Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NotLaterThanThreeMonthsMember_019ca0fb-c9cd-777c-92fe-fbfd71c58464_verboseLabel_en-US" xlink:label="lab_ifrs-full_NotLaterThanThreeMonthsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Within 3 months</link:label>
    <link:label id="lab_ifrs-full_NotLaterThanThreeMonthsMember_019ca0fb-c9cd-7270-a598-da443bc69f62_terseLabel_en-US" xlink:label="lab_ifrs-full_NotLaterThanThreeMonthsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Within&#160;3 months</link:label>
    <link:label id="lab_ifrs-full_NotLaterThanThreeMonthsMember_label_en-US" xlink:label="lab_ifrs-full_NotLaterThanThreeMonthsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Not later than three months [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NotLaterThanThreeMonthsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NotLaterThanThreeMonthsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NotLaterThanThreeMonthsMember" xlink:to="lab_ifrs-full_NotLaterThanThreeMonthsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading_019ca0fb-ca4e-7e84-b142-f4deafe2a401_verboseLabel_en-US" xlink:label="lab_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities at fair value through profit or loss</link:label>
    <link:label id="lab_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading_label_en-US" xlink:label="lab_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Liabilities At Fair Value Through Profit Or Loss And Financial Liabilities At Fair Value Through Profit Or Loss That Meet The Definition Of Held For Trading</link:label>
    <link:label id="lab_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading_documentation_en-US" xlink:label="lab_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial Liabilities At Fair Value Through Profit Or Loss And Financial Liabilities At Fair Value Through Profit Or Loss That Meet The Definition Of Held For Trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading" xlink:href="san-20251231.xsd#san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading" xlink:to="lab_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RiskSupervisionRegulationAndComplianceOversightCommitteeChairmanMember_019ca0fb-c9cd-7389-995b-3c041a72393d_terseLabel_en-US" xlink:label="lab_san_RiskSupervisionRegulationAndComplianceOversightCommitteeChairmanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Chair of the risk supervision, regulation and compliance committee</link:label>
    <link:label id="lab_san_RiskSupervisionRegulationAndComplianceOversightCommitteeChairmanMember_label_en-US" xlink:label="lab_san_RiskSupervisionRegulationAndComplianceOversightCommitteeChairmanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Risk Supervision Regulation And Compliance Oversight Committee, Chairman [Member]</link:label>
    <link:label id="lab_san_RiskSupervisionRegulationAndComplianceOversightCommitteeChairmanMember_documentation_en-US" xlink:label="lab_san_RiskSupervisionRegulationAndComplianceOversightCommitteeChairmanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the person serving as chairman of the risk supervision, regulation and compliance oversight committee of the board of directors.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RiskSupervisionRegulationAndComplianceOversightCommitteeChairmanMember" xlink:href="san-20251231.xsd#san_RiskSupervisionRegulationAndComplianceOversightCommitteeChairmanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RiskSupervisionRegulationAndComplianceOversightCommitteeChairmanMember" xlink:to="lab_san_RiskSupervisionRegulationAndComplianceOversightCommitteeChairmanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfGoodwillExplanatory_019ca0fb-c94e-7b91-83b9-090d5cc84294_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfGoodwillExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible assets - Goodwill</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfGoodwillExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfGoodwillExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of goodwill [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfGoodwillExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfGoodwillExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfGoodwillExplanatory" xlink:to="lab_ifrs-full_DisclosureOfGoodwillExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities_019ca0fb-cb6b-7a35-8840-b946334fa207_verboseLabel_en-US" xlink:label="lab_ifrs-full_OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other collections/payments related to financing activities</link:label>
    <link:label id="lab_ifrs-full_OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities_label_en-US" xlink:label="lab_ifrs-full_OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other inflows (outflows) of cash, classified as financing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities" xlink:to="lab_ifrs-full_OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod_019ca0fb-cad3-7841-9efe-58371dbb2d0f_verboseLabel_en-US" xlink:label="lab_ifrs-full_ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Investments</link:label>
    <link:label id="lab_ifrs-full_ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod_label_en-US" xlink:label="lab_ifrs-full_ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from sales of investments accounted for using equity method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod" xlink:to="lab_ifrs-full_ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherReservesValuationAdjustments_019ca0fb-c9cd-7906-857b-7f7ee9031a35_terseLabel_en-US" xlink:label="lab_san_OtherReservesValuationAdjustments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation adjustments</link:label>
    <link:label id="lab_san_OtherReservesValuationAdjustments_label_en-US" xlink:label="lab_san_OtherReservesValuationAdjustments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Reserves, Valuation Adjustments</link:label>
    <link:label id="lab_san_OtherReservesValuationAdjustments_documentation_en-US" xlink:label="lab_san_OtherReservesValuationAdjustments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A component of equity representing reserves for items not reclassified through profit or loss and items that may be reclassified to profit or loss.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherReservesValuationAdjustments" xlink:href="san-20251231.xsd#san_OtherReservesValuationAdjustments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherReservesValuationAdjustments" xlink:to="lab_san_OtherReservesValuationAdjustments" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherCollateralAssetsMember_019ca0fb-cb6b-7134-8c55-45e86fac9741_terseLabel_en-US" xlink:label="lab_san_OtherCollateralAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other collateral received</link:label>
    <link:label id="lab_san_OtherCollateralAssetsMember_label_en-US" xlink:label="lab_san_OtherCollateralAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Collateral Assets [Member]</link:label>
    <link:label id="lab_san_OtherCollateralAssetsMember_documentation_en-US" xlink:label="lab_san_OtherCollateralAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for other collateral assets received. Excludes credits and loans, equity instruments, debt securities, and own debt securities issued other than own covered bonds or ABS.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherCollateralAssetsMember" xlink:href="san-20251231.xsd#san_OtherCollateralAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherCollateralAssetsMember" xlink:to="lab_san_OtherCollateralAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherContingentCommitmentsMember_019ca0fb-c9cd-7ec4-b368-cbcf956cb963_terseLabel_en-US" xlink:label="lab_san_OtherContingentCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_san_OtherContingentCommitmentsMember_label_en-US" xlink:label="lab_san_OtherContingentCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Contingent Commitments [Member]</link:label>
    <link:label id="lab_san_OtherContingentCommitmentsMember_documentation_en-US" xlink:label="lab_san_OtherContingentCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other contingent commitments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherContingentCommitmentsMember" xlink:href="san-20251231.xsd#san_OtherContingentCommitmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherContingentCommitmentsMember" xlink:to="lab_san_OtherContingentCommitmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_UnrealizedGainsLossesOnFairValueAdjustment_019ca0fb-cbee-784f-89fd-f67119dea66f_terseLabel_en-US" xlink:label="lab_san_UnrealizedGainsLossesOnFairValueAdjustment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrealized gains (losses) on fair value adjustment</link:label>
    <link:label id="lab_san_UnrealizedGainsLossesOnFairValueAdjustment_label_en-US" xlink:label="lab_san_UnrealizedGainsLossesOnFairValueAdjustment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrealized Gains (Losses) On Fair Value Adjustment</link:label>
    <link:label id="lab_san_UnrealizedGainsLossesOnFairValueAdjustment_documentation_en-US" xlink:label="lab_san_UnrealizedGainsLossesOnFairValueAdjustment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Unrealized Gains (Losses) On Fair Value Adjustment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_UnrealizedGainsLossesOnFairValueAdjustment" xlink:href="san-20251231.xsd#san_UnrealizedGainsLossesOnFairValueAdjustment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_UnrealizedGainsLossesOnFairValueAdjustment" xlink:to="lab_san_UnrealizedGainsLossesOnFairValueAdjustment" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill_019ca0fb-c94e-7703-b14c-42c1904a51b1_negatedLabel_en-US" xlink:label="lab_san_DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Transfer to Assets held for sale (Notes 3 y 12)</link:label>
    <link:label id="lab_san_DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill_label_en-US" xlink:label="lab_san_DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease Through Classified As Held For Sale Or Changes In Scope Of Consolidation, Goodwill</link:label>
    <link:label id="lab_san_DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill_documentation_en-US" xlink:label="lab_san_DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The decrease in goodwill due to classification as held for sale or changes in scope of consolidation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill" xlink:href="san-20251231.xsd#san_DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill" xlink:to="lab_san_DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfFinancialInstrumentsAxis_019ca0fb-cad3-7eb9-869a-834372236f1e_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfFinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of financial instruments [axis]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfFinancialInstrumentsAxis_label_en-US" xlink:label="lab_ifrs-full_ClassesOfFinancialInstrumentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of financial instruments [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfFinancialInstrumentsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfFinancialInstrumentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfFinancialInstrumentsAxis" xlink:to="lab_ifrs-full_ClassesOfFinancialInstrumentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BankSuretiesGrantedMember_019ca0fb-cad3-7b0d-9590-312057e0ff16_terseLabel_en-US" xlink:label="lab_san_BankSuretiesGrantedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial guarantees</link:label>
    <link:label id="lab_san_BankSuretiesGrantedMember_label_en-US" xlink:label="lab_san_BankSuretiesGrantedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Bank Sureties Granted [Member]</link:label>
    <link:label id="lab_san_BankSuretiesGrantedMember_documentation_en-US" xlink:label="lab_san_BankSuretiesGrantedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to bank sureties granted.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BankSuretiesGrantedMember" xlink:href="san-20251231.xsd#san_BankSuretiesGrantedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BankSuretiesGrantedMember" xlink:to="lab_san_BankSuretiesGrantedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ArbitrationMatterAmountClaimedByEntity_019ca0fb-c9cd-75f5-bccf-e4a0c7035830_terseLabel_en-US" xlink:label="lab_san_ArbitrationMatterAmountClaimedByEntity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Arbitration matter, amount claimed by entity</link:label>
    <link:label id="lab_san_ArbitrationMatterAmountClaimedByEntity_label_en-US" xlink:label="lab_san_ArbitrationMatterAmountClaimedByEntity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Arbitration Matter, Amount Claimed By Entity</link:label>
    <link:label id="lab_san_ArbitrationMatterAmountClaimedByEntity_documentation_en-US" xlink:label="lab_san_ArbitrationMatterAmountClaimedByEntity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount claimed by the entity in the arbitration matter.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ArbitrationMatterAmountClaimedByEntity" xlink:href="san-20251231.xsd#san_ArbitrationMatterAmountClaimedByEntity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ArbitrationMatterAmountClaimedByEntity" xlink:to="lab_san_ArbitrationMatterAmountClaimedByEntity" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DefinedBenefitObligationPensionableBaseBasisPercentageOfBonusAverage_019ca0fb-cb6b-7a54-b75a-d605ae00ce84_terseLabel_en-US" xlink:label="lab_san_DefinedBenefitObligationPensionableBaseBasisPercentageOfBonusAverage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pensionable base, expressed as a percent of fixed, bonus average</link:label>
    <link:label id="lab_san_DefinedBenefitObligationPensionableBaseBasisPercentageOfBonusAverage_label_en-US" xlink:label="lab_san_DefinedBenefitObligationPensionableBaseBasisPercentageOfBonusAverage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Obligation, Pensionable Base, Basis, Percentage Of Bonus Average</link:label>
    <link:label id="lab_san_DefinedBenefitObligationPensionableBaseBasisPercentageOfBonusAverage_documentation_en-US" xlink:label="lab_san_DefinedBenefitObligationPensionableBaseBasisPercentageOfBonusAverage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Obligation, Pensionable Base, Basis, Percentage Of Bonus Average</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DefinedBenefitObligationPensionableBaseBasisPercentageOfBonusAverage" xlink:href="san-20251231.xsd#san_DefinedBenefitObligationPensionableBaseBasisPercentageOfBonusAverage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DefinedBenefitObligationPensionableBaseBasisPercentageOfBonusAverage" xlink:to="lab_san_DefinedBenefitObligationPensionableBaseBasisPercentageOfBonusAverage" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfMenEmployees_019ca0fb-cad3-766e-a543-5d5a2088e37f_terseLabel_en-US" xlink:label="lab_san_NumberOfMenEmployees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of employees - men</link:label>
    <link:label id="lab_san_NumberOfMenEmployees_label_en-US" xlink:label="lab_san_NumberOfMenEmployees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Men Employees</link:label>
    <link:label id="lab_san_NumberOfMenEmployees_documentation_en-US" xlink:label="lab_san_NumberOfMenEmployees" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of personnel, identified as men, employed by the entity at a date.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfMenEmployees" xlink:href="san-20251231.xsd#san_NumberOfMenEmployees"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfMenEmployees" xlink:to="lab_san_NumberOfMenEmployees" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss_019ca0fb-cb6b-7b07-9c83-5cafa9d50d9e_negatedLabel_en-US" xlink:label="lab_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Impairment losses reversed with a credit to income</link:label>
    <link:label id="lab_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss_019ca0fb-cb6b-7600-9506-856f78435810_terseLabel_en-US" xlink:label="lab_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reversal of impairment loss recognised in profit or loss</link:label>
    <link:label id="lab_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss_019ca0fb-cb6b-70a3-a35d-6e6d0f1cb307_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Impairment losses reversed with a credit to profit or loss</link:label>
    <link:label id="lab_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss_label_en-US" xlink:label="lab_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reversal of impairment loss recognised in profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:to="lab_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ProductOrServiceAxis_019ca0fb-c94e-773b-8f1f-86351960d592_terseLabel_en-US" xlink:label="lab_srt_ProductOrServiceAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Product and Service [Axis]</link:label>
    <link:label id="lab_srt_ProductOrServiceAxis_label_en-US" xlink:label="lab_srt_ProductOrServiceAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Product and Service [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ProductOrServiceAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ProductOrServiceAxis" xlink:to="lab_srt_ProductOrServiceAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfLeverageCapitalAndRatioTableTextBlock_019ca0fb-c9cd-7b9f-9de5-bb186fcd241d_terseLabel_en-US" xlink:label="lab_san_ScheduleOfLeverageCapitalAndRatioTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of leverage capital and ratios</link:label>
    <link:label id="lab_san_ScheduleOfLeverageCapitalAndRatioTableTextBlock_label_en-US" xlink:label="lab_san_ScheduleOfLeverageCapitalAndRatioTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Leverage Capital And Ratio [Table Text Block]</link:label>
    <link:label id="lab_san_ScheduleOfLeverageCapitalAndRatioTableTextBlock_documentation_en-US" xlink:label="lab_san_ScheduleOfLeverageCapitalAndRatioTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure for leverage capital and ratios.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfLeverageCapitalAndRatioTableTextBlock" xlink:href="san-20251231.xsd#san_ScheduleOfLeverageCapitalAndRatioTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfLeverageCapitalAndRatioTableTextBlock" xlink:to="lab_san_ScheduleOfLeverageCapitalAndRatioTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfFinancialAssetsAxis_019ca0fb-cbee-79a9-a4c4-e39a2852c5c1_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfFinancialAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of financial assets [axis]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfFinancialAssetsAxis_label_en-US" xlink:label="lab_ifrs-full_ClassesOfFinancialAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of financial assets [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfFinancialAssetsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfFinancialAssetsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfFinancialAssetsAxis" xlink:to="lab_ifrs-full_ClassesOfFinancialAssetsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BlackScholesModelMember_019ca0fb-cad3-7340-8bcb-7e0755a00399_terseLabel_en-US" xlink:label="lab_san_BlackScholesModelMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Black Scholes model</link:label>
    <link:label id="lab_san_BlackScholesModelMember_label_en-US" xlink:label="lab_san_BlackScholesModelMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Black Scholes Model [Member]</link:label>
    <link:label id="lab_san_BlackScholesModelMember_documentation_en-US" xlink:label="lab_san_BlackScholesModelMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Black Scholes Model</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BlackScholesModelMember" xlink:href="san-20251231.xsd#san_BlackScholesModelMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BlackScholesModelMember" xlink:to="lab_san_BlackScholesModelMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_BrandNamesMember_019ca0fb-cad3-7d59-ba2a-08a0c7284400_terseLabel_en-US" xlink:label="lab_ifrs-full_BrandNamesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Brand names</link:label>
    <link:label id="lab_ifrs-full_BrandNamesMember_label_en-US" xlink:label="lab_ifrs-full_BrandNamesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Brand names [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BrandNamesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_BrandNamesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BrandNamesMember" xlink:to="lab_ifrs-full_BrandNamesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfExpectedRateOfReturnAssumptionsTableTextBlock_019ca0fb-ca4e-72de-8b5b-45c992c7e605_terseLabel_en-US" xlink:label="lab_san_DisclosureOfExpectedRateOfReturnAssumptionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of expected rate of return assumptions</link:label>
    <link:label id="lab_san_DisclosureOfExpectedRateOfReturnAssumptionsTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfExpectedRateOfReturnAssumptionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Expected Rate Of Return Assumptions [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfExpectedRateOfReturnAssumptionsTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfExpectedRateOfReturnAssumptionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of expected rate of return assumptions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfExpectedRateOfReturnAssumptionsTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfExpectedRateOfReturnAssumptionsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfExpectedRateOfReturnAssumptionsTableTextBlock" xlink:to="lab_san_DisclosureOfExpectedRateOfReturnAssumptionsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DepositsRedeemableAtNoticeMember_019ca0fb-cb6b-724c-ac3b-cc7034882181_terseLabel_en-US" xlink:label="lab_san_DepositsRedeemableAtNoticeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits redeemable at notice</link:label>
    <link:label id="lab_san_DepositsRedeemableAtNoticeMember_label_en-US" xlink:label="lab_san_DepositsRedeemableAtNoticeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits Redeemable At Notice [Member]</link:label>
    <link:label id="lab_san_DepositsRedeemableAtNoticeMember_documentation_en-US" xlink:label="lab_san_DepositsRedeemableAtNoticeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deposits Redeemable At Notice</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DepositsRedeemableAtNoticeMember" xlink:href="san-20251231.xsd#san_DepositsRedeemableAtNoticeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DepositsRedeemableAtNoticeMember" xlink:to="lab_san_DepositsRedeemableAtNoticeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TotalCostSegmentReporting_019d2563-3deb-7eb6-a2af-a7df83e9bf1d_negatedLabel_en-US" xlink:label="lab_san_TotalCostSegmentReporting" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Total Costs</link:label>
    <link:label id="lab_san_TotalCostSegmentReporting_label_en-US" xlink:label="lab_san_TotalCostSegmentReporting" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total Cost, Segment Reporting</link:label>
    <link:label id="lab_san_TotalCostSegmentReporting_documentation_en-US" xlink:label="lab_san_TotalCostSegmentReporting" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total Cost, Segment Reporting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TotalCostSegmentReporting" xlink:href="san-20251231.xsd#san_TotalCostSegmentReporting"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TotalCostSegmentReporting" xlink:to="lab_san_TotalCostSegmentReporting" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BankSubsidiariesMember_019ca0fb-c9cd-7253-bdee-697016706828_terseLabel_en-US" xlink:label="lab_san_BankSubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bank subsidiaries</link:label>
    <link:label id="lab_san_BankSubsidiariesMember_label_en-US" xlink:label="lab_san_BankSubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Bank Subsidiaries [Member]</link:label>
    <link:label id="lab_san_BankSubsidiariesMember_documentation_en-US" xlink:label="lab_san_BankSubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to subsidiaries of the parent that are banks.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BankSubsidiariesMember" xlink:href="san-20251231.xsd#san_BankSubsidiariesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BankSubsidiariesMember" xlink:to="lab_san_BankSubsidiariesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReserveOfCashFlowHedges_019ca0fb-cbee-7cc7-9f58-02ac1afa88d1_verboseLabel_en-US" xlink:label="lab_ifrs-full_ReserveOfCashFlowHedges" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Cash flow hedges (effective portion)</link:label>
    <link:label id="lab_ifrs-full_ReserveOfCashFlowHedges_019ca0fb-cbee-706d-8137-c62036584a8b_terseLabel_en-US" xlink:label="lab_ifrs-full_ReserveOfCashFlowHedges" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging derivatives. Cash flow hedges (Effective portion)</link:label>
    <link:label id="lab_ifrs-full_ReserveOfCashFlowHedges_label_en-US" xlink:label="lab_ifrs-full_ReserveOfCashFlowHedges" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reserve of cash flow hedges</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReserveOfCashFlowHedges" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ReserveOfCashFlowHedges"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReserveOfCashFlowHedges" xlink:to="lab_ifrs-full_ReserveOfCashFlowHedges" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_RangeAxis_019ca0fb-c9cd-73ad-aa26-475563695a1c_terseLabel_en-US" xlink:label="lab_srt_RangeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statistical Measurement [Axis]</link:label>
    <link:label id="lab_srt_RangeAxis_label_en-US" xlink:label="lab_srt_RangeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statistical Measurement [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RangeAxis" xlink:to="lab_srt_RangeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LandMember_019ca0fb-ca4e-793e-abe0-d00158fd7596_terseLabel_en-US" xlink:label="lab_ifrs-full_LandMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Land</link:label>
    <link:label id="lab_ifrs-full_LandMember_label_en-US" xlink:label="lab_ifrs-full_LandMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Land [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LandMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LandMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LandMember" xlink:to="lab_ifrs-full_LandMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherFinancialAssetsMember_019ca0fb-cc70-79c8-8fd8-def345ddc0af_terseLabel_en-US" xlink:label="lab_san_OtherFinancialAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Others</link:label>
    <link:label id="lab_san_OtherFinancialAssetsMember_label_en-US" xlink:label="lab_san_OtherFinancialAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Financial Assets [Member]</link:label>
    <link:label id="lab_san_OtherFinancialAssetsMember_documentation_en-US" xlink:label="lab_san_OtherFinancialAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for other financial assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherFinancialAssetsMember" xlink:href="san-20251231.xsd#san_OtherFinancialAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherFinancialAssetsMember" xlink:to="lab_san_OtherFinancialAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TransferFromEquityToLiabilities_019ca0fb-cc70-715e-a1f4-113295d31ada_negatedTerseLabel_en-US" xlink:label="lab_san_TransferFromEquityToLiabilities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Transfer from equity to liabilities</link:label>
    <link:label id="lab_san_TransferFromEquityToLiabilities_label_en-US" xlink:label="lab_san_TransferFromEquityToLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfer From Equity To Liabilities</link:label>
    <link:label id="lab_san_TransferFromEquityToLiabilities_documentation_en-US" xlink:label="lab_san_TransferFromEquityToLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Transfer From Equity To Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TransferFromEquityToLiabilities" xlink:href="san-20251231.xsd#san_TransferFromEquityToLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TransferFromEquityToLiabilities" xlink:to="lab_san_TransferFromEquityToLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MiscellaneousOtherReserves_019ca0fb-cbee-7ac4-ac0f-f6950953413a_terseLabel_en-US" xlink:label="lab_san_MiscellaneousOtherReserves" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Others</link:label>
    <link:label id="lab_san_MiscellaneousOtherReserves_label_en-US" xlink:label="lab_san_MiscellaneousOtherReserves" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Miscellaneous Other Reserves</link:label>
    <link:label id="lab_san_MiscellaneousOtherReserves_documentation_en-US" xlink:label="lab_san_MiscellaneousOtherReserves" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A component of other reserves within equity representing reserves not otherwise specified.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MiscellaneousOtherReserves" xlink:href="san-20251231.xsd#san_MiscellaneousOtherReserves"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MiscellaneousOtherReserves" xlink:to="lab_san_MiscellaneousOtherReserves" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfAssetsAxis_019ca0fb-cbee-708b-b96b-e663a32de180_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of assets [axis]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfAssetsAxis_label_en-US" xlink:label="lab_ifrs-full_ClassesOfAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of assets [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfAssetsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfAssetsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfAssetsAxis" xlink:to="lab_ifrs-full_ClassesOfAssetsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInMay2021SeriesInEurosMember_019ca0fb-c94e-78e6-a8f4-80dbbd68bf23_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInMay2021SeriesInEurosMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Santander, S.A., May 2021</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInMay2021SeriesInEurosMember_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInMay2021SeriesInEurosMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In May 2021, Series In Euros [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInMay2021SeriesInEurosMember_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInMay2021SeriesInEurosMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In May 2021, Series In Euros</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderSAInMay2021SeriesInEurosMember" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderSAInMay2021SeriesInEurosMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderSAInMay2021SeriesInEurosMember" xlink:to="lab_san_IssuanceByBancoSantanderSAInMay2021SeriesInEurosMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OperatingSegmentsMember_019ca0fb-c94e-7596-b54a-4e73a85b7434_terseLabel_en-US" xlink:label="lab_ifrs-full_OperatingSegmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating segment</link:label>
    <link:label id="lab_ifrs-full_OperatingSegmentsMember_label_en-US" xlink:label="lab_ifrs-full_OperatingSegmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating segments [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OperatingSegmentsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OperatingSegmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OperatingSegmentsMember" xlink:to="lab_ifrs-full_OperatingSegmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital_019ca0fb-c94e-7e04-883d-3a5dc3bb84e0_terseLabel_en-US" xlink:label="lab_san_TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Treasury shares, held by the group, as a percentage of issued share capital (in percentage)</link:label>
    <link:label id="lab_san_TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital_label_en-US" xlink:label="lab_san_TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Shares, Held By The Group, Percentage Of Issued Share Capital</link:label>
    <link:label id="lab_san_TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital_documentation_en-US" xlink:label="lab_san_TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Treasury Shares, Held By The Group, Percentage Of Issued Share Capital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital" xlink:href="san-20251231.xsd#san_TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital" xlink:to="lab_san_TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember_019ca0fb-ca4e-7907-a39f-e2789ef1e285_verboseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">2030</link:label>
    <link:label id="lab_ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Later than four years and not later than five years [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember" xlink:to="lab_ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RestOfTheGroupMember_019ca0fb-c94e-7649-a23d-9fad1f46bd43_terseLabel_en-US" xlink:label="lab_san_RestOfTheGroupMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rest of the Group</link:label>
    <link:label id="lab_san_RestOfTheGroupMember_label_en-US" xlink:label="lab_san_RestOfTheGroupMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Rest Of The Group [Member]</link:label>
    <link:label id="lab_san_RestOfTheGroupMember_documentation_en-US" xlink:label="lab_san_RestOfTheGroupMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Rest Of The Group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RestOfTheGroupMember" xlink:href="san-20251231.xsd#san_RestOfTheGroupMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RestOfTheGroupMember" xlink:to="lab_san_RestOfTheGroupMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillTable_019ca0fb-cb6b-79c2-b131-5db6fd08c0ba_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of reconciliation of changes in goodwill [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of reconciliation of changes in goodwill [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillTable" xlink:to="lab_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_019ca0fb-cad3-797f-a200-0ee1be5aed80_terseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in the fair value of debt instruments through other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income tax relating to financial assets measured at fair value through other comprehensive income included in other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:to="lab_ifrs-full_IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfSharesOutstandingEntitledToReceiveDividend_019ca0fb-ca4e-7139-b83c-3f44958f4175_terseLabel_en-US" xlink:label="lab_san_NumberOfSharesOutstandingEntitledToReceiveDividend" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of shares outstanding, entitled to receive dividend</link:label>
    <link:label id="lab_san_NumberOfSharesOutstandingEntitledToReceiveDividend_label_en-US" xlink:label="lab_san_NumberOfSharesOutstandingEntitledToReceiveDividend" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Shares Outstanding, Entitled To Receive Dividend</link:label>
    <link:label id="lab_san_NumberOfSharesOutstandingEntitledToReceiveDividend_documentation_en-US" xlink:label="lab_san_NumberOfSharesOutstandingEntitledToReceiveDividend" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Of Shares Outstanding, Entitled To Receive Dividend</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfSharesOutstandingEntitledToReceiveDividend" xlink:href="san-20251231.xsd#san_NumberOfSharesOutstandingEntitledToReceiveDividend"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfSharesOutstandingEntitledToReceiveDividend" xlink:to="lab_san_NumberOfSharesOutstandingEntitledToReceiveDividend" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EstimationOfExpectedLossesHousingPriceChangeRate_019ca0fb-cad3-7584-9c63-20ffc92bf4d7_terseLabel_en-US" xlink:label="lab_san_EstimationOfExpectedLossesHousingPriceChangeRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Housing price change</link:label>
    <link:label id="lab_san_EstimationOfExpectedLossesHousingPriceChangeRate_label_en-US" xlink:label="lab_san_EstimationOfExpectedLossesHousingPriceChangeRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimation Of Expected Losses, Housing Price Change Rate</link:label>
    <link:label id="lab_san_EstimationOfExpectedLossesHousingPriceChangeRate_documentation_en-US" xlink:label="lab_san_EstimationOfExpectedLossesHousingPriceChangeRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the housing price change rate percentage in the estimation of expected credit losses.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EstimationOfExpectedLossesHousingPriceChangeRate" xlink:href="san-20251231.xsd#san_EstimationOfExpectedLossesHousingPriceChangeRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EstimationOfExpectedLossesHousingPriceChangeRate" xlink:to="lab_san_EstimationOfExpectedLossesHousingPriceChangeRate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EquityInstrumentsInternationalMember_019ca0fb-cbee-7fbd-bb0e-ce629441d9d0_terseLabel_en-US" xlink:label="lab_san_EquityInstrumentsInternationalMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">International</link:label>
    <link:label id="lab_san_EquityInstrumentsInternationalMember_label_en-US" xlink:label="lab_san_EquityInstrumentsInternationalMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Instruments, International [Member]</link:label>
    <link:label id="lab_san_EquityInstrumentsInternationalMember_documentation_en-US" xlink:label="lab_san_EquityInstrumentsInternationalMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for equity instruments that are issued by international companies.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EquityInstrumentsInternationalMember" xlink:href="san-20251231.xsd#san_EquityInstrumentsInternationalMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EquityInstrumentsInternationalMember" xlink:to="lab_san_EquityInstrumentsInternationalMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_StellantisFinancialServicesItaliaSpAMember_019ca0fb-ca4e-7473-b72f-1150b6945d33_terseLabel_en-US" xlink:label="lab_san_StellantisFinancialServicesItaliaSpAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stellantis Financial Services Italia S.p.A.</link:label>
    <link:label id="lab_san_StellantisFinancialServicesItaliaSpAMember_label_en-US" xlink:label="lab_san_StellantisFinancialServicesItaliaSpAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stellantis Financial Services Italia S.p.A. [Member]</link:label>
    <link:label id="lab_san_StellantisFinancialServicesItaliaSpAMember_documentation_en-US" xlink:label="lab_san_StellantisFinancialServicesItaliaSpAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Stellantis Financial Services Italia S.p.A.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_StellantisFinancialServicesItaliaSpAMember" xlink:href="san-20251231.xsd#san_StellantisFinancialServicesItaliaSpAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_StellantisFinancialServicesItaliaSpAMember" xlink:to="lab_san_StellantisFinancialServicesItaliaSpAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IROptionsMember_019ca0fb-c94e-7078-badb-17ff92246895_terseLabel_en-US" xlink:label="lab_san_IROptionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">IR Options</link:label>
    <link:label id="lab_san_IROptionsMember_label_en-US" xlink:label="lab_san_IROptionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IR Options [Member]</link:label>
    <link:label id="lab_san_IROptionsMember_documentation_en-US" xlink:label="lab_san_IROptionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">IR Options</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IROptionsMember" xlink:href="san-20251231.xsd#san_IROptionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IROptionsMember" xlink:to="lab_san_IROptionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_EarningsPerShareAbstract_019ca0fb-cb6b-7e22-8a8a-1d0c5e017bd2_terseLabel_en-US" xlink:label="lab_ifrs-full_EarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earnings/(losses) per share</link:label>
    <link:label id="lab_ifrs-full_EarningsPerShareAbstract_label_en-US" xlink:label="lab_ifrs-full_EarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings per share [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EarningsPerShareAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_EarningsPerShareAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_EarningsPerShareAbstract" xlink:to="lab_ifrs-full_EarningsPerShareAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NotionalAmountPlacedOnTheMarket_019ca0fb-ca4e-7cab-adc6-a870533f0588_terseLabel_en-US" xlink:label="lab_san_NotionalAmountPlacedOnTheMarket" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated issue, notional amount, placed on the market</link:label>
    <link:label id="lab_san_NotionalAmountPlacedOnTheMarket_label_en-US" xlink:label="lab_san_NotionalAmountPlacedOnTheMarket" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Notional Amount, Placed On The Market</link:label>
    <link:label id="lab_san_NotionalAmountPlacedOnTheMarket_documentation_en-US" xlink:label="lab_san_NotionalAmountPlacedOnTheMarket" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Notional Amount, Placed On The Market</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NotionalAmountPlacedOnTheMarket" xlink:href="san-20251231.xsd#san_NotionalAmountPlacedOnTheMarket"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NotionalAmountPlacedOnTheMarket" xlink:to="lab_san_NotionalAmountPlacedOnTheMarket" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RangeAxis_019ca0fb-ca4e-75cd-a470-3cf8c0d04b55_terseLabel_en-US" xlink:label="lab_ifrs-full_RangeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Range [axis]</link:label>
    <link:label id="lab_ifrs-full_RangeAxis_label_en-US" xlink:label="lab_ifrs-full_RangeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Range [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RangeAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RangeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RangeAxis" xlink:to="lab_ifrs-full_RangeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RestatedMember_019ca0fb-cbee-7b9e-969e-a617e3cb5d95_terseLabel_en-US" xlink:label="lab_ifrs-full_RestatedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Currently stated [member]</link:label>
    <link:label id="lab_ifrs-full_RestatedMember_label_en-US" xlink:label="lab_ifrs-full_RestatedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Currently stated [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RestatedMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RestatedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RestatedMember" xlink:to="lab_ifrs-full_RestatedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GlobalSystemicallyImportantBankDesignationNumberOfCriteria_019ca0fb-cb6b-7c49-8f1d-c6672a786537_terseLabel_en-US" xlink:label="lab_san_GlobalSystemicallyImportantBankDesignationNumberOfCriteria" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">G-SIB designation, number of criteria</link:label>
    <link:label id="lab_san_GlobalSystemicallyImportantBankDesignationNumberOfCriteria_label_en-US" xlink:label="lab_san_GlobalSystemicallyImportantBankDesignationNumberOfCriteria" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Global Systemically Important Bank Designation, Number of Criteria</link:label>
    <link:label id="lab_san_GlobalSystemicallyImportantBankDesignationNumberOfCriteria_documentation_en-US" xlink:label="lab_san_GlobalSystemicallyImportantBankDesignationNumberOfCriteria" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of criteria used to determine designation as global systemically important bank.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GlobalSystemicallyImportantBankDesignationNumberOfCriteria" xlink:href="san-20251231.xsd#san_GlobalSystemicallyImportantBankDesignationNumberOfCriteria"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GlobalSystemicallyImportantBankDesignationNumberOfCriteria" xlink:to="lab_san_GlobalSystemicallyImportantBankDesignationNumberOfCriteria" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FixedInterestRateMember_019ca0fb-c9cd-76f9-a46e-bd05fb2914c6_terseLabel_en-US" xlink:label="lab_ifrs-full_FixedInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed rate debt</link:label>
    <link:label id="lab_ifrs-full_FixedInterestRateMember_019ca0fb-c9cd-73ec-9af3-d96f85395a9e_verboseLabel_en-US" xlink:label="lab_ifrs-full_FixedInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Fixed rate</link:label>
    <link:label id="lab_ifrs-full_FixedInterestRateMember_label_en-US" xlink:label="lab_ifrs-full_FixedInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fixed interest rate [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FixedInterestRateMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FixedInterestRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FixedInterestRateMember" xlink:to="lab_ifrs-full_FixedInterestRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations_019ca0fb-c94e-7992-a620-a2b8dc9e8198_terseLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">C) Cash flows from financing activities</link:label>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations_label_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash flows from (used in) financing activities, discontinued operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations" xlink:to="lab_ifrs-full_CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DepositInsuredWithDepositGuaranteeSystemsRetailDepositsPercentage_019ca0fb-cbee-73cd-8e23-4d773db4fcb9_terseLabel_en-US" xlink:label="lab_san_DepositInsuredWithDepositGuaranteeSystemsRetailDepositsPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposit insured with deposit guarantee systems, retail deposits (in percentage)</link:label>
    <link:label id="lab_san_DepositInsuredWithDepositGuaranteeSystemsRetailDepositsPercentage_label_en-US" xlink:label="lab_san_DepositInsuredWithDepositGuaranteeSystemsRetailDepositsPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposit Insured With Deposit Guarantee Systems, Retail Deposits, Percentage</link:label>
    <link:label id="lab_san_DepositInsuredWithDepositGuaranteeSystemsRetailDepositsPercentage_documentation_en-US" xlink:label="lab_san_DepositInsuredWithDepositGuaranteeSystemsRetailDepositsPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deposit Insured With Deposit Guarantee Systems, Retail Deposits, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DepositInsuredWithDepositGuaranteeSystemsRetailDepositsPercentage" xlink:href="san-20251231.xsd#san_DepositInsuredWithDepositGuaranteeSystemsRetailDepositsPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DepositInsuredWithDepositGuaranteeSystemsRetailDepositsPercentage" xlink:to="lab_san_DepositInsuredWithDepositGuaranteeSystemsRetailDepositsPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DepositsFromCustomersAbstract_019ca0fb-c94e-7061-a44e-baf7de799496_terseLabel_en-US" xlink:label="lab_ifrs-full_DepositsFromCustomersAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits from customers [abstract]</link:label>
    <link:label id="lab_ifrs-full_DepositsFromCustomersAbstract_label_en-US" xlink:label="lab_ifrs-full_DepositsFromCustomersAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits from customers [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DepositsFromCustomersAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DepositsFromCustomersAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DepositsFromCustomersAbstract" xlink:to="lab_ifrs-full_DepositsFromCustomersAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentCET1ObjectiveResult_019ca0fb-cbee-7cbc-bbb8-08f7d247367a_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentCET1ObjectiveResult" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CET objective, result</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentCET1ObjectiveResult_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentCET1ObjectiveResult" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, CET1 Objective, Result</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentCET1ObjectiveResult_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentCET1ObjectiveResult" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, CET1 Objective, Result</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentCET1ObjectiveResult" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentCET1ObjectiveResult"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentCET1ObjectiveResult" xlink:to="lab_san_VariableRemunerationDeferredPaymentCET1ObjectiveResult" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProfitLossBeforeTax_019ca0fb-ca4e-7b82-91f7-c67b4bfacd45_totalLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Operating profit/(loss) before tax</link:label>
    <link:label id="lab_ifrs-full_ProfitLossBeforeTax_019ca0fb-ca4e-7752-899c-530197652ba4_terseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Profit before taxes</link:label>
    <link:label id="lab_ifrs-full_ProfitLossBeforeTax_019ca0fb-ca4e-75d6-b464-5b2367c23ddb_verboseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">From continuing operations</link:label>
    <link:label id="lab_ifrs-full_ProfitLossBeforeTax_label_en-US" xlink:label="lab_ifrs-full_ProfitLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit (loss) before tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProfitLossBeforeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProfitLossBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProfitLossBeforeTax" xlink:to="lab_ifrs-full_ProfitLossBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MarginOfAPreferencePortfolioMeasurementInputMember_019ca0fb-c9cd-7a43-8178-29dcb4b6bd13_terseLabel_en-US" xlink:label="lab_san_MarginOfAPreferencePortfolioMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Margin of a reference portfolio</link:label>
    <link:label id="lab_san_MarginOfAPreferencePortfolioMeasurementInputMember_label_en-US" xlink:label="lab_san_MarginOfAPreferencePortfolioMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Margin Of A Preference Portfolio, Measurement Input [Member]</link:label>
    <link:label id="lab_san_MarginOfAPreferencePortfolioMeasurementInputMember_documentation_en-US" xlink:label="lab_san_MarginOfAPreferencePortfolioMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Margin Of A Preference Portfolio, Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MarginOfAPreferencePortfolioMeasurementInputMember" xlink:href="san-20251231.xsd#san_MarginOfAPreferencePortfolioMeasurementInputMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MarginOfAPreferencePortfolioMeasurementInputMember" xlink:to="lab_san_MarginOfAPreferencePortfolioMeasurementInputMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInSeptember2017Member_019ca0fb-cc70-76bc-ba64-b17dc3a4240c_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInSeptember2017Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance by Banco Santander S.A. in September 2017</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInSeptember2017Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInSeptember2017Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In September 2017 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInSeptember2017Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInSeptember2017Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for issuance by Banco Santander S.a. in September 2017.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderSAInSeptember2017Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderSAInSeptember2017Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderSAInSeptember2017Member" xlink:to="lab_san_IssuanceByBancoSantanderSAInSeptember2017Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities_019ca0fb-c9cd-7cc4-98ae-1f9a6f4a8560_verboseLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Subsidiaries and other business units</link:label>
    <link:label id="lab_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities_label_en-US" xlink:label="lab_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash flows from losing control of subsidiaries or other businesses, classified as investing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:to="lab_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CapitalReserve_019ca0fb-cbee-7f02-91b5-a3598d1d6988_terseLabel_en-US" xlink:label="lab_ifrs-full_CapitalReserve" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reserves</link:label>
    <link:label id="lab_ifrs-full_CapitalReserve_label_en-US" xlink:label="lab_ifrs-full_CapitalReserve" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Capital reserve</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CapitalReserve" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CapitalReserve"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CapitalReserve" xlink:to="lab_ifrs-full_CapitalReserve" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherReclassificationAdjustmentsReserveOfHedgingInstruments_019ca0fb-c94e-763e-adda-c48fea1dd971_terseLabel_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsReserveOfHedgingInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other reclassifications</link:label>
    <link:label id="lab_san_OtherReclassificationAdjustmentsReserveOfHedgingInstruments_label_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsReserveOfHedgingInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Reclassification Adjustments, Reserve Of Hedging Instruments</link:label>
    <link:label id="lab_san_OtherReclassificationAdjustmentsReserveOfHedgingInstruments_documentation_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsReserveOfHedgingInstruments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Reclassification Adjustments, Reserve Of Hedging Instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherReclassificationAdjustmentsReserveOfHedgingInstruments" xlink:href="san-20251231.xsd#san_OtherReclassificationAdjustmentsReserveOfHedgingInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherReclassificationAdjustmentsReserveOfHedgingInstruments" xlink:to="lab_san_OtherReclassificationAdjustmentsReserveOfHedgingInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LegalCaseRelatedToTaxCompensationWithCreditsMember_019ca0fb-c94e-798a-b420-4a3c2dce7dfc_terseLabel_en-US" xlink:label="lab_san_LegalCaseRelatedToTaxCompensationWithCreditsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal Case Related To Tax Compensation With Credits</link:label>
    <link:label id="lab_san_LegalCaseRelatedToTaxCompensationWithCreditsMember_label_en-US" xlink:label="lab_san_LegalCaseRelatedToTaxCompensationWithCreditsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal Case Related To Tax Compensation With Credits [Member]</link:label>
    <link:label id="lab_san_LegalCaseRelatedToTaxCompensationWithCreditsMember_documentation_en-US" xlink:label="lab_san_LegalCaseRelatedToTaxCompensationWithCreditsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Legal Case Related To Tax Compensation With Credits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LegalCaseRelatedToTaxCompensationWithCreditsMember" xlink:href="san-20251231.xsd#san_LegalCaseRelatedToTaxCompensationWithCreditsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LegalCaseRelatedToTaxCompensationWithCreditsMember" xlink:to="lab_san_LegalCaseRelatedToTaxCompensationWithCreditsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LargeExposurePercentageOfEligibleCapitalThreshold_019ca0fb-cc70-7660-87b1-919939902e06_terseLabel_en-US" xlink:label="lab_san_LargeExposurePercentageOfEligibleCapitalThreshold" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Large exposure threshold percentage</link:label>
    <link:label id="lab_san_LargeExposurePercentageOfEligibleCapitalThreshold_label_en-US" xlink:label="lab_san_LargeExposurePercentageOfEligibleCapitalThreshold" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Large Exposure, Percentage Of Eligible Capital Threshold</link:label>
    <link:label id="lab_san_LargeExposurePercentageOfEligibleCapitalThreshold_documentation_en-US" xlink:label="lab_san_LargeExposurePercentageOfEligibleCapitalThreshold" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Threshold percentage for "Large Exposures" as defined by CRR (Regulation (EU) No 575/2013). "Large Exposures" are defined as exposures from a customer or group of connected customers that equals or exceeds 10% of the entity's eligible capital.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LargeExposurePercentageOfEligibleCapitalThreshold" xlink:href="san-20251231.xsd#san_LargeExposurePercentageOfEligibleCapitalThreshold"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LargeExposurePercentageOfEligibleCapitalThreshold" xlink:to="lab_san_LargeExposurePercentageOfEligibleCapitalThreshold" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoanToValue1Axis_019ca0fb-cb6b-73ef-8127-845348fd0c23_terseLabel_en-US" xlink:label="lab_san_LoanToValue1Axis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan To Value [Axis]</link:label>
    <link:label id="lab_san_LoanToValue1Axis_label_en-US" xlink:label="lab_san_LoanToValue1Axis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan To Value1 [Axis]</link:label>
    <link:label id="lab_san_LoanToValue1Axis_documentation_en-US" xlink:label="lab_san_LoanToValue1Axis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information by loan-to-value (LTV) ratio, for example, but not limited to, 80% to 100%. Element name and standard label in LTV [numeric lower end] to [numeric higher end] Percent [Member] or LTV Greater Than [low end numeric value] Percent [Member] or LTV Less Than [high end numeric value] Percent [Member] formats.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoanToValue1Axis" xlink:href="san-20251231.xsd#san_LoanToValue1Axis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoanToValue1Axis" xlink:to="lab_san_LoanToValue1Axis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderSpainMember_019ca0fb-cbee-74d1-801c-9e96b6a7bdaf_terseLabel_en-US" xlink:label="lab_san_SantanderSpainMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Spain</link:label>
    <link:label id="lab_san_SantanderSpainMember_label_en-US" xlink:label="lab_san_SantanderSpainMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Spain [Member]</link:label>
    <link:label id="lab_san_SantanderSpainMember_documentation_en-US" xlink:label="lab_san_SantanderSpainMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Spain</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderSpainMember" xlink:href="san-20251231.xsd#san_SantanderSpainMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderSpainMember" xlink:to="lab_san_SantanderSpainMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TypesOfAssetsAxis_019ca0fb-c94e-73b4-8e03-8cbba82cf108_terseLabel_en-US" xlink:label="lab_san_TypesOfAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Types of Assets [Axis]</link:label>
    <link:label id="lab_san_TypesOfAssetsAxis_label_en-US" xlink:label="lab_san_TypesOfAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Types Of Assets [Axis]</link:label>
    <link:label id="lab_san_TypesOfAssetsAxis_documentation_en-US" xlink:label="lab_san_TypesOfAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The axis of a table defines the relationship between the domain members or categories in the table and the line items or concepts that complete the table.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TypesOfAssetsAxis" xlink:href="san-20251231.xsd#san_TypesOfAssetsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TypesOfAssetsAxis" xlink:to="lab_san_TypesOfAssetsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_HyundaiCapitalUKLimitedMember_019ca0fb-cb6b-7f21-b66a-e7bdeda957c2_terseLabel_en-US" xlink:label="lab_san_HyundaiCapitalUKLimitedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hyundai Capital UK Limited</link:label>
    <link:label id="lab_san_HyundaiCapitalUKLimitedMember_label_en-US" xlink:label="lab_san_HyundaiCapitalUKLimitedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hyundai Capital UK Limited [Member]</link:label>
    <link:label id="lab_san_HyundaiCapitalUKLimitedMember_documentation_en-US" xlink:label="lab_san_HyundaiCapitalUKLimitedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Hyundai Capital UK Limited</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_HyundaiCapitalUKLimitedMember" xlink:href="san-20251231.xsd#san_HyundaiCapitalUKLimitedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_HyundaiCapitalUKLimitedMember" xlink:to="lab_san_HyundaiCapitalUKLimitedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForCashFlowsExplanatory_019ca0fb-cad3-7890-bd47-7cde8be8aef8_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForCashFlowsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated statement of cash flows</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForCashFlowsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForCashFlowsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description of accounting policy for cash flows [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfAccountingPolicyForCashFlowsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfAccountingPolicyForCashFlowsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfAccountingPolicyForCashFlowsExplanatory" xlink:to="lab_ifrs-full_DescriptionOfAccountingPolicyForCashFlowsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseInLendingPercentage_019ca0fb-c94e-7eb8-871c-9a2840fd9e2b_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseInLendingPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage increase (decrease) in lending</link:label>
    <link:label id="lab_san_IncreaseDecreaseInLendingPercentage_label_en-US" xlink:label="lab_san_IncreaseDecreaseInLendingPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Lending, Percentage</link:label>
    <link:label id="lab_san_IncreaseDecreaseInLendingPercentage_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseInLendingPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Lending, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseInLendingPercentage" xlink:href="san-20251231.xsd#san_IncreaseDecreaseInLendingPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseInLendingPercentage" xlink:to="lab_san_IncreaseDecreaseInLendingPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FuturesContractMember_019ca0fb-cad3-722f-8abd-4cc3817f6625_terseLabel_en-US" xlink:label="lab_ifrs-full_FuturesContractMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Future interest rate</link:label>
    <link:label id="lab_ifrs-full_FuturesContractMember_label_en-US" xlink:label="lab_ifrs-full_FuturesContractMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Futures contract [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FuturesContractMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FuturesContractMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FuturesContractMember" xlink:to="lab_ifrs-full_FuturesContractMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AdditionalTier1FinancialNotesMember_019ca0fb-cbee-7df6-b7cd-98350d3f2563_terseLabel_en-US" xlink:label="lab_san_AdditionalTier1FinancialNotesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additional Tier 1 Financial Notes</link:label>
    <link:label id="lab_san_AdditionalTier1FinancialNotesMember_label_en-US" xlink:label="lab_san_AdditionalTier1FinancialNotesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional Tier 1 Financial Notes [Member]</link:label>
    <link:label id="lab_san_AdditionalTier1FinancialNotesMember_documentation_en-US" xlink:label="lab_san_AdditionalTier1FinancialNotesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Additional Tier 1 Financial Notes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AdditionalTier1FinancialNotesMember" xlink:href="san-20251231.xsd#san_AdditionalTier1FinancialNotesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AdditionalTier1FinancialNotesMember" xlink:to="lab_san_AdditionalTier1FinancialNotesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfOtherProvisionsTable_019ca0fb-ca4e-720e-8bc7-773e1ee5f452_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfOtherProvisionsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of other provisions [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfOtherProvisionsTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfOtherProvisionsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of other provisions [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfOtherProvisionsTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfOtherProvisionsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfOtherProvisionsTable" xlink:to="lab_ifrs-full_DisclosureOfOtherProvisionsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2024Member_019ca0fb-cc70-7a35-880b-cb8db5bfa1ce_terseLabel_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2024Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2024 variable remuneration</link:label>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2024Member_label_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2024Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Based Variable Remuneration Award 2024 [Member]</link:label>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2024Member_documentation_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2024Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share Based Variable Remuneration Award 2024</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ShareBasedVariableRemunerationAward2024Member" xlink:href="san-20251231.xsd#san_ShareBasedVariableRemunerationAward2024Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ShareBasedVariableRemunerationAward2024Member" xlink:to="lab_san_ShareBasedVariableRemunerationAward2024Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceOfPreferredShares_019ca0fb-c9cd-7b5b-bf85-f92e0ee7d0d6_terseLabel_en-US" xlink:label="lab_san_IssuanceOfPreferredShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance of preferred shares</link:label>
    <link:label id="lab_san_IssuanceOfPreferredShares_label_en-US" xlink:label="lab_san_IssuanceOfPreferredShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance Of Preferred Shares</link:label>
    <link:label id="lab_san_IssuanceOfPreferredShares_documentation_en-US" xlink:label="lab_san_IssuanceOfPreferredShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance Of Preferred Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceOfPreferredShares" xlink:href="san-20251231.xsd#san_IssuanceOfPreferredShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceOfPreferredShares" xlink:to="lab_san_IssuanceOfPreferredShares" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceBySantanderBankPolskaS.A.InAugust2010Member_019ca0fb-c9cd-7672-92b4-e58bf5c59c06_terseLabel_en-US" xlink:label="lab_san_IssuanceBySantanderBankPolskaS.A.InAugust2010Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance By Santander Bank Polska S.A. In August 2010</link:label>
    <link:label id="lab_san_IssuanceBySantanderBankPolskaS.A.InAugust2010Member_label_en-US" xlink:label="lab_san_IssuanceBySantanderBankPolskaS.A.InAugust2010Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Santander Bank Polska S.A. In August 2010 [Member]</link:label>
    <link:label id="lab_san_IssuanceBySantanderBankPolskaS.A.InAugust2010Member_documentation_en-US" xlink:label="lab_san_IssuanceBySantanderBankPolskaS.A.InAugust2010Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Santander Bank Polska S.A. In August 2010</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceBySantanderBankPolskaS.A.InAugust2010Member" xlink:href="san-20251231.xsd#san_IssuanceBySantanderBankPolskaS.A.InAugust2010Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceBySantanderBankPolskaS.A.InAugust2010Member" xlink:to="lab_san_IssuanceBySantanderBankPolskaS.A.InAugust2010Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneMigrationOfOpenBankAndLaunchNumberOfMarkets_019ca0fb-ca4e-7a51-9cd4-e35de4dc8e36_terseLabel_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneMigrationOfOpenBankAndLaunchNumberOfMarkets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of markets with OpenBank</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneMigrationOfOpenBankAndLaunchNumberOfMarkets_label_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneMigrationOfOpenBankAndLaunchNumberOfMarkets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Migration Of OpenBank And Launch, Number Of Markets</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneMigrationOfOpenBankAndLaunchNumberOfMarkets_documentation_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneMigrationOfOpenBankAndLaunchNumberOfMarkets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Migration Of OpenBank And Launch, Number Of Markets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableRemunerationMilestoneMigrationOfOpenBankAndLaunchNumberOfMarkets" xlink:href="san-20251231.xsd#san_DeferredVariableRemunerationMilestoneMigrationOfOpenBankAndLaunchNumberOfMarkets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableRemunerationMilestoneMigrationOfOpenBankAndLaunchNumberOfMarkets" xlink:to="lab_san_DeferredVariableRemunerationMilestoneMigrationOfOpenBankAndLaunchNumberOfMarkets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfFinancialInstrumentsDomain_019ca0fb-cc70-78e9-a15a-88c6fbb20549_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of financial instruments [domain]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfFinancialInstrumentsDomain_label_en-US" xlink:label="lab_ifrs-full_ClassesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of financial instruments [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfFinancialInstrumentsDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfFinancialInstrumentsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfFinancialInstrumentsDomain" xlink:to="lab_ifrs-full_ClassesOfFinancialInstrumentsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfBusinessCombinationsTable_019ca0fb-ca4e-7ccd-8a82-b84e208455ee_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfBusinessCombinationsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about business combination [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfBusinessCombinationsTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfBusinessCombinationsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about business combination [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfBusinessCombinationsTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfBusinessCombinationsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfBusinessCombinationsTable" xlink:to="lab_ifrs-full_DisclosureOfBusinessCombinationsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonLocalSovereignCrossBorderRiskMember_019ca0fb-cbee-7d69-9f61-25fd98f9d01e_terseLabel_en-US" xlink:label="lab_san_NonLocalSovereignCrossBorderRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-local sovereign cross border risk</link:label>
    <link:label id="lab_san_NonLocalSovereignCrossBorderRiskMember_label_en-US" xlink:label="lab_san_NonLocalSovereignCrossBorderRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non Local Sovereign Cross Border Risk [Member]</link:label>
    <link:label id="lab_san_NonLocalSovereignCrossBorderRiskMember_documentation_en-US" xlink:label="lab_san_NonLocalSovereignCrossBorderRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for non-local sovereign cross border risk.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonLocalSovereignCrossBorderRiskMember" xlink:href="san-20251231.xsd#san_NonLocalSovereignCrossBorderRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonLocalSovereignCrossBorderRiskMember" xlink:to="lab_san_NonLocalSovereignCrossBorderRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ShareBuybackProgramPercentageOfUnderlyingProfit_019ca0fb-cbee-7c11-9880-55a361bbc11b_terseLabel_en-US" xlink:label="lab_san_ShareBuybackProgramPercentageOfUnderlyingProfit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share buyback program, percentage of underlying profit</link:label>
    <link:label id="lab_san_ShareBuybackProgramPercentageOfUnderlyingProfit_label_en-US" xlink:label="lab_san_ShareBuybackProgramPercentageOfUnderlyingProfit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Buyback Program, Percentage Of Underlying Profit</link:label>
    <link:label id="lab_san_ShareBuybackProgramPercentageOfUnderlyingProfit_documentation_en-US" xlink:label="lab_san_ShareBuybackProgramPercentageOfUnderlyingProfit" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share Buyback Program, Percentage Of Underlying Profit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ShareBuybackProgramPercentageOfUnderlyingProfit" xlink:href="san-20251231.xsd#san_ShareBuybackProgramPercentageOfUnderlyingProfit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ShareBuybackProgramPercentageOfUnderlyingProfit" xlink:to="lab_san_ShareBuybackProgramPercentageOfUnderlyingProfit" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OfficeAndComputerEquipmentMember_019ca0fb-cad3-7c3d-8461-02c34b874a94_terseLabel_en-US" xlink:label="lab_san_OfficeAndComputerEquipmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Office and IT equipment</link:label>
    <link:label id="lab_san_OfficeAndComputerEquipmentMember_label_en-US" xlink:label="lab_san_OfficeAndComputerEquipmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Office And Computer Equipment [Member]</link:label>
    <link:label id="lab_san_OfficeAndComputerEquipmentMember_documentation_en-US" xlink:label="lab_san_OfficeAndComputerEquipmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for a class of property, plant and equipment representing equipment used to support office functions, not specifically used in the production process and computer equipment.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OfficeAndComputerEquipmentMember" xlink:href="san-20251231.xsd#san_OfficeAndComputerEquipmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OfficeAndComputerEquipmentMember" xlink:to="lab_san_OfficeAndComputerEquipmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset_019ca0fb-c94e-771a-ac53-d2c0cd1b9518_negatedTotalLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Acquisition for the year (net)</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) through business combinations, deferred tax liability (asset)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FromAAAToAAMember_019ca0fb-cbee-7feb-b8a7-af3cf869c52b_terseLabel_en-US" xlink:label="lab_san_FromAAAToAAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">From AAA to AA-</link:label>
    <link:label id="lab_san_FromAAAToAAMember_label_en-US" xlink:label="lab_san_FromAAAToAAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">From AAA to AA- [Member]</link:label>
    <link:label id="lab_san_FromAAAToAAMember_documentation_en-US" xlink:label="lab_san_FromAAAToAAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">From AAA to AA-</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FromAAAToAAMember" xlink:href="san-20251231.xsd#san_FromAAAToAAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FromAAAToAAMember" xlink:to="lab_san_FromAAAToAAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InterestReceivedClassifiedAsOperatingActivities_019ca0fb-ca4e-72ed-89ac-707f28effc19_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestReceivedClassifiedAsOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest received</link:label>
    <link:label id="lab_ifrs-full_InterestReceivedClassifiedAsOperatingActivities_label_en-US" xlink:label="lab_ifrs-full_InterestReceivedClassifiedAsOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest received, classified as operating activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestReceivedClassifiedAsOperatingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InterestReceivedClassifiedAsOperatingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestReceivedClassifiedAsOperatingActivities" xlink:to="lab_ifrs-full_InterestReceivedClassifiedAsOperatingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReductionOfIssuedCapital_019ca0fb-c9cd-7d4f-8fd3-51117f86300d_negatedLabel_en-US" xlink:label="lab_ifrs-full_ReductionOfIssuedCapital" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Capital reduction</link:label>
    <link:label id="lab_ifrs-full_ReductionOfIssuedCapital_019ca0fb-c9cd-73b0-9e61-4088cbbee3ed_terseLabel_en-US" xlink:label="lab_ifrs-full_ReductionOfIssuedCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reduction of issued capital</link:label>
    <link:label id="lab_ifrs-full_ReductionOfIssuedCapital_label_en-US" xlink:label="lab_ifrs-full_ReductionOfIssuedCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reduction of issued capital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReductionOfIssuedCapital" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ReductionOfIssuedCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReductionOfIssuedCapital" xlink:to="lab_ifrs-full_ReductionOfIssuedCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherGeographicalUnitsMember_019ca0fb-cb6b-7e60-a973-84632cd6b432_terseLabel_en-US" xlink:label="lab_san_OtherGeographicalUnitsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other units</link:label>
    <link:label id="lab_san_OtherGeographicalUnitsMember_label_en-US" xlink:label="lab_san_OtherGeographicalUnitsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Geographical Units [Member]</link:label>
    <link:label id="lab_san_OtherGeographicalUnitsMember_documentation_en-US" xlink:label="lab_san_OtherGeographicalUnitsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for other geographical units.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherGeographicalUnitsMember" xlink:href="san-20251231.xsd#san_OtherGeographicalUnitsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherGeographicalUnitsMember" xlink:to="lab_san_OtherGeographicalUnitsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisposalGroupNameAxis_019d25e6-9b25-7162-8630-cf516fa3f739_terseLabel_en-US" xlink:label="lab_san_DisposalGroupNameAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disposal Group Name [Axis]</link:label>
    <link:label id="lab_san_DisposalGroupNameAxis_label_en-US" xlink:label="lab_san_DisposalGroupNameAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group Name [Axis]</link:label>
    <link:label id="lab_san_DisposalGroupNameAxis_documentation_en-US" xlink:label="lab_san_DisposalGroupNameAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disposal Group Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisposalGroupNameAxis" xlink:href="san-20251231.xsd#san_DisposalGroupNameAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisposalGroupNameAxis" xlink:to="lab_san_DisposalGroupNameAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InsuranceContractsDomain_019ca0fb-cc70-7d63-be2d-8aa16595e951_terseLabel_en-US" xlink:label="lab_ifrs-full_InsuranceContractsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurance contracts [domain]</link:label>
    <link:label id="lab_ifrs-full_InsuranceContractsDomain_label_en-US" xlink:label="lab_ifrs-full_InsuranceContractsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance contracts [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InsuranceContractsDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InsuranceContractsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InsuranceContractsDomain" xlink:to="lab_ifrs-full_InsuranceContractsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashAndCashEquivalentsIfDifferentFromStatementOfFinancialPosition_019ca0fb-c94e-7954-8f16-b7f647d0c5e7_periodStartLabel_en-US" xlink:label="lab_ifrs-full_CashAndCashEquivalentsIfDifferentFromStatementOfFinancialPosition" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">CASH AND CASH EQUIVALENTS AT BEGINNING OF THE YEAR</link:label>
    <link:label id="lab_ifrs-full_CashAndCashEquivalentsIfDifferentFromStatementOfFinancialPosition_019ca0fb-c94e-7951-b41c-64cdf12d806e_totalLabel_en-US" xlink:label="lab_ifrs-full_CashAndCashEquivalentsIfDifferentFromStatementOfFinancialPosition" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">CASH AND CASH EQUIVALENTS AT END OF THE YEAR</link:label>
    <link:label id="lab_ifrs-full_CashAndCashEquivalentsIfDifferentFromStatementOfFinancialPosition_label_en-US" xlink:label="lab_ifrs-full_CashAndCashEquivalentsIfDifferentFromStatementOfFinancialPosition" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents if different from statement of financial position</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashAndCashEquivalentsIfDifferentFromStatementOfFinancialPosition" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CashAndCashEquivalentsIfDifferentFromStatementOfFinancialPosition"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashAndCashEquivalentsIfDifferentFromStatementOfFinancialPosition" xlink:to="lab_ifrs-full_CashAndCashEquivalentsIfDifferentFromStatementOfFinancialPosition" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProductsAndServicesDomain_019ca0fb-cb6b-7fca-ac37-afc71977d9f4_terseLabel_en-US" xlink:label="lab_ifrs-full_ProductsAndServicesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Products and services [domain]</link:label>
    <link:label id="lab_ifrs-full_ProductsAndServicesDomain_label_en-US" xlink:label="lab_ifrs-full_ProductsAndServicesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Products and services [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProductsAndServicesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProductsAndServicesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProductsAndServicesDomain" xlink:to="lab_ifrs-full_ProductsAndServicesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherSimilarBenefitsPlansMember_019ca0fb-cb6b-7d61-9afb-ae459888012e_terseLabel_en-US" xlink:label="lab_san_OtherSimilarBenefitsPlansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other&#160;similar&#160;obligations</link:label>
    <link:label id="lab_san_OtherSimilarBenefitsPlansMember_label_en-US" xlink:label="lab_san_OtherSimilarBenefitsPlansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Similar Benefits Plans [Member]</link:label>
    <link:label id="lab_san_OtherSimilarBenefitsPlansMember_documentation_en-US" xlink:label="lab_san_OtherSimilarBenefitsPlansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for other similar benefits plans other than post-employment plans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherSimilarBenefitsPlansMember" xlink:href="san-20251231.xsd#san_OtherSimilarBenefitsPlansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherSimilarBenefitsPlansMember" xlink:to="lab_san_OtherSimilarBenefitsPlansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfOperatingSegmentsExplanatory_019ca0fb-cb6b-783a-bc6c-5f74ec14d767_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfOperatingSegmentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of condensed balance sheets and condensed underlying income statements by primary and secondary segments</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfOperatingSegmentsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfOperatingSegmentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of operating segments [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfOperatingSegmentsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfOperatingSegmentsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfOperatingSegmentsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfOperatingSegmentsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LegalCaseRelatingToTaxDeductibilityOfSaleOfSharesMember_019ca0fb-c94e-7240-85ac-e0c45c55f1ee_terseLabel_en-US" xlink:label="lab_san_LegalCaseRelatingToTaxDeductibilityOfSaleOfSharesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal Case Relating To Tax Deductibility Of Sale Of Shares</link:label>
    <link:label id="lab_san_LegalCaseRelatingToTaxDeductibilityOfSaleOfSharesMember_label_en-US" xlink:label="lab_san_LegalCaseRelatingToTaxDeductibilityOfSaleOfSharesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal Case Relating To Tax Deductibility Of Sale Of Shares [Member]</link:label>
    <link:label id="lab_san_LegalCaseRelatingToTaxDeductibilityOfSaleOfSharesMember_documentation_en-US" xlink:label="lab_san_LegalCaseRelatingToTaxDeductibilityOfSaleOfSharesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Legal Case Relating To Tax Deductibility Of Sale Of Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LegalCaseRelatingToTaxDeductibilityOfSaleOfSharesMember" xlink:href="san-20251231.xsd#san_LegalCaseRelatingToTaxDeductibilityOfSaleOfSharesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LegalCaseRelatingToTaxDeductibilityOfSaleOfSharesMember" xlink:to="lab_san_LegalCaseRelatingToTaxDeductibilityOfSaleOfSharesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsExplanatory_019ca0fb-ca4e-77ed-8d3a-07fd30905b66_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of deferred tax assets and liabilities</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of temporary difference, unused tax losses and unused tax credits [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedIssueUKGovernmentBondTerm_019ca0fb-c94e-716a-b802-80314e0d627a_terseLabel_en-US" xlink:label="lab_san_SubordinatedIssueUKGovernmentBondTerm" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated issue, UK government bond term</link:label>
    <link:label id="lab_san_SubordinatedIssueUKGovernmentBondTerm_label_en-US" xlink:label="lab_san_SubordinatedIssueUKGovernmentBondTerm" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Issue, UK Government Bond Term</link:label>
    <link:label id="lab_san_SubordinatedIssueUKGovernmentBondTerm_documentation_en-US" xlink:label="lab_san_SubordinatedIssueUKGovernmentBondTerm" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Issue, UK Government Bond Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedIssueUKGovernmentBondTerm" xlink:href="san-20251231.xsd#san_SubordinatedIssueUKGovernmentBondTerm"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedIssueUKGovernmentBondTerm" xlink:to="lab_san_SubordinatedIssueUKGovernmentBondTerm" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill_019ca0fb-cbee-703d-86fb-bb26044f7c43_negatedLabel_en-US" xlink:label="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Impairment losses</link:label>
    <link:label id="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill_019ca0fb-cbee-7a0d-ab5d-abcb88aa6463_terseLabel_en-US" xlink:label="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impairment loss recognised in profit or loss, goodwill</link:label>
    <link:label id="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill_label_en-US" xlink:label="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment loss recognised in profit or loss, goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill" xlink:to="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfIntangibleAssetsTable_019ca0fb-cc70-7c87-babc-9283be66059b_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfIntangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about intangible assets [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfIntangibleAssetsTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfIntangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about intangible assets [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfIntangibleAssetsTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfIntangibleAssetsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfIntangibleAssetsTable" xlink:to="lab_ifrs-full_DisclosureOfIntangibleAssetsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherReserves_019ca0fb-cb6b-7057-8923-697e2aa058b3_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherReserves" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">OTHER RESERVES</link:label>
    <link:label id="lab_ifrs-full_OtherReserves_label_en-US" xlink:label="lab_ifrs-full_OtherReserves" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherReserves" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherReserves"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherReserves" xlink:to="lab_ifrs-full_OtherReserves" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_Borrowings_019ca0fb-c94e-71fa-a23a-81ba561fa5d7_totalLabel_en-US" xlink:label="lab_ifrs-full_Borrowings" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total debt</link:label>
    <link:label id="lab_ifrs-full_Borrowings_label_en-US" xlink:label="lab_ifrs-full_Borrowings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Borrowings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_Borrowings" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_Borrowings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_Borrowings" xlink:to="lab_ifrs-full_Borrowings" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CapitalReserveCommonEquityTierOneBasis_019ca0fb-c9cd-7489-9d9d-06524c4f4100_verboseLabel_en-US" xlink:label="lab_san_CapitalReserveCommonEquityTierOneBasis" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Reserves</link:label>
    <link:label id="lab_san_CapitalReserveCommonEquityTierOneBasis_label_en-US" xlink:label="lab_san_CapitalReserveCommonEquityTierOneBasis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Capital Reserve Common Equity Tier One Basis</link:label>
    <link:label id="lab_san_CapitalReserveCommonEquityTierOneBasis_documentation_en-US" xlink:label="lab_san_CapitalReserveCommonEquityTierOneBasis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of capital reserves required for computation of Common Equity Tier I (CET I) equity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CapitalReserveCommonEquityTierOneBasis" xlink:href="san-20251231.xsd#san_CapitalReserveCommonEquityTierOneBasis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CapitalReserveCommonEquityTierOneBasis" xlink:to="lab_san_CapitalReserveCommonEquityTierOneBasis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfDetailedInformationAboutGoodwillTableTextBlock_019ca0fb-cb6b-7fda-aa80-ca69560579c1_terseLabel_en-US" xlink:label="lab_san_DisclosureOfDetailedInformationAboutGoodwillTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about goodwill</link:label>
    <link:label id="lab_san_DisclosureOfDetailedInformationAboutGoodwillTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfDetailedInformationAboutGoodwillTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Detailed Information About Goodwill [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfDetailedInformationAboutGoodwillTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfDetailedInformationAboutGoodwillTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Detailed Information About Goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfDetailedInformationAboutGoodwillTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfDetailedInformationAboutGoodwillTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfDetailedInformationAboutGoodwillTableTextBlock" xlink:to="lab_san_DisclosureOfDetailedInformationAboutGoodwillTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CzechRepublicKorunyAndEuroMember_019ca0fb-c9cd-71e4-b201-392d731e8e37_terseLabel_en-US" xlink:label="lab_san_CzechRepublicKorunyAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CZK/EUR</link:label>
    <link:label id="lab_san_CzechRepublicKorunyAndEuroMember_label_en-US" xlink:label="lab_san_CzechRepublicKorunyAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Czech Republic, Koruny And Euro [Member]</link:label>
    <link:label id="lab_san_CzechRepublicKorunyAndEuroMember_documentation_en-US" xlink:label="lab_san_CzechRepublicKorunyAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Czech Republic, Koruny And Euro</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CzechRepublicKorunyAndEuroMember" xlink:href="san-20251231.xsd#san_CzechRepublicKorunyAndEuroMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CzechRepublicKorunyAndEuroMember" xlink:to="lab_san_CzechRepublicKorunyAndEuroMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LoanCommitmentsMember_019ca0fb-ca4e-722e-9364-ec71a2225940_terseLabel_en-US" xlink:label="lab_ifrs-full_LoanCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan commitments granted</link:label>
    <link:label id="lab_ifrs-full_LoanCommitmentsMember_019ca0fb-ca4e-7e95-a73d-d2967b0341e1_verboseLabel_en-US" xlink:label="lab_ifrs-full_LoanCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans and credits</link:label>
    <link:label id="lab_ifrs-full_LoanCommitmentsMember_label_en-US" xlink:label="lab_ifrs-full_LoanCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan commitments [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LoanCommitmentsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LoanCommitmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LoanCommitmentsMember" xlink:to="lab_ifrs-full_LoanCommitmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets_019ca0fb-cbee-7533-be29-4d6991cd8d4a_negatedLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Net changes of the exposure and modifications in the credit risk</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) through changes in models or risk parameters, financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MajorCustomersDomain_019ca0fb-cbee-777b-bd7e-3b28f6ecfc9d_terseLabel_en-US" xlink:label="lab_ifrs-full_MajorCustomersDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Major customers [domain]</link:label>
    <link:label id="lab_ifrs-full_MajorCustomersDomain_label_en-US" xlink:label="lab_ifrs-full_MajorCustomersDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Major customers [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MajorCustomersDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MajorCustomersDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MajorCustomersDomain" xlink:to="lab_ifrs-full_MajorCustomersDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment_019ca0fb-c9cd-7193-bc07-657d2efbf8a8_negatedLabel_en-US" xlink:label="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Impairment charge for the&#160;year</link:label>
    <link:label id="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment_label_en-US" xlink:label="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment loss recognised in profit or loss, property, plant and equipment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" xlink:to="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialInstrumentsPurchasedOrOriginatedCreditimpairedMember_019ca0fb-cc70-7524-aa6f-793fec255077_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialInstrumentsPurchasedOrOriginatedCreditimpairedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial instruments purchased credit impaired</link:label>
    <link:label id="lab_ifrs-full_FinancialInstrumentsPurchasedOrOriginatedCreditimpairedMember_label_en-US" xlink:label="lab_ifrs-full_FinancialInstrumentsPurchasedOrOriginatedCreditimpairedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial instruments purchased or originated credit-impaired [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialInstrumentsPurchasedOrOriginatedCreditimpairedMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialInstrumentsPurchasedOrOriginatedCreditimpairedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialInstrumentsPurchasedOrOriginatedCreditimpairedMember" xlink:to="lab_ifrs-full_FinancialInstrumentsPurchasedOrOriginatedCreditimpairedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FactoringAccountsPayable_019ca0fb-cbee-7ed1-9964-225af1f2b112_terseLabel_en-US" xlink:label="lab_san_FactoringAccountsPayable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Factoring accounts payable</link:label>
    <link:label id="lab_san_FactoringAccountsPayable_label_en-US" xlink:label="lab_san_FactoringAccountsPayable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Factoring Accounts Payable</link:label>
    <link:label id="lab_san_FactoringAccountsPayable_documentation_en-US" xlink:label="lab_san_FactoringAccountsPayable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of factoring accounts payable.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FactoringAccountsPayable" xlink:href="san-20251231.xsd#san_FactoringAccountsPayable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FactoringAccountsPayable" xlink:to="lab_san_FactoringAccountsPayable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CaceisBankMember_019ca0fb-c94e-7b8d-803c-686f990fc1ef_terseLabel_en-US" xlink:label="lab_san_CaceisBankMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Caceis Bank</link:label>
    <link:label id="lab_san_CaceisBankMember_label_en-US" xlink:label="lab_san_CaceisBankMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Caceis Bank [Member]</link:label>
    <link:label id="lab_san_CaceisBankMember_documentation_en-US" xlink:label="lab_san_CaceisBankMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Caceis Bank</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CaceisBankMember" xlink:href="san-20251231.xsd#san_CaceisBankMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CaceisBankMember" xlink:to="lab_san_CaceisBankMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInFinancingActivities_019ca0fb-ca4e-7c9b-a379-5d1b93141b62_totalLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">CASH FLOWS FROM FINANCING ACTIVITIES</link:label>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInFinancingActivities_label_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash flows from (used in) financing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowsFromUsedInFinancingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CashFlowsFromUsedInFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashFlowsFromUsedInFinancingActivities" xlink:to="lab_ifrs-full_CashFlowsFromUsedInFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_UndevelopedLandCollateralMember_019ca0fb-cad3-7fd9-8555-04a7ee0a28e7_terseLabel_en-US" xlink:label="lab_san_UndevelopedLandCollateralMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other land</link:label>
    <link:label id="lab_san_UndevelopedLandCollateralMember_label_en-US" xlink:label="lab_san_UndevelopedLandCollateralMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Undeveloped Land Collateral [Member]</link:label>
    <link:label id="lab_san_UndevelopedLandCollateralMember_documentation_en-US" xlink:label="lab_san_UndevelopedLandCollateralMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for collateral in the form of undeveloped land.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_UndevelopedLandCollateralMember" xlink:href="san-20251231.xsd#san_UndevelopedLandCollateralMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_UndevelopedLandCollateralMember" xlink:to="lab_san_UndevelopedLandCollateralMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OptimisticScenarioMember_019ca0fb-cad3-76a5-83fa-30ef6278e254_terseLabel_en-US" xlink:label="lab_san_OptimisticScenarioMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Optimistic scenario&#160;</link:label>
    <link:label id="lab_san_OptimisticScenarioMember_label_en-US" xlink:label="lab_san_OptimisticScenarioMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Optimistic Scenario [Member]</link:label>
    <link:label id="lab_san_OptimisticScenarioMember_documentation_en-US" xlink:label="lab_san_OptimisticScenarioMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Optimistic scenario.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OptimisticScenarioMember" xlink:href="san-20251231.xsd#san_OptimisticScenarioMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OptimisticScenarioMember" xlink:to="lab_san_OptimisticScenarioMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderConsumerS.A.Member_019ca0fb-c94d-7823-8431-9d0b1cf8446d_terseLabel_en-US" xlink:label="lab_san_SantanderConsumerS.A.Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Consumer S.A.</link:label>
    <link:label id="lab_san_SantanderConsumerS.A.Member_label_en-US" xlink:label="lab_san_SantanderConsumerS.A.Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Consumer S.A. [Member]</link:label>
    <link:label id="lab_san_SantanderConsumerS.A.Member_documentation_en-US" xlink:label="lab_san_SantanderConsumerS.A.Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Consumer S.A.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderConsumerS.A.Member" xlink:href="san-20251231.xsd#san_SantanderConsumerS.A.Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderConsumerS.A.Member" xlink:to="lab_san_SantanderConsumerS.A.Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanFourthCycle2014Member_019ca0fb-c9cd-781e-9347-c846067ff415_terseLabel_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanFourthCycle2014Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred conditional variable remuneration plan fourth cycle</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanFourthCycle2014Member_label_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanFourthCycle2014Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan Fourth Cycle 2014 [Member]</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanFourthCycle2014Member_documentation_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanFourthCycle2014Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to the Deferred Conditional Variable Remuneration Plan Fourth Cycle (2014).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredConditionalVariableRemunerationPlanFourthCycle2014Member" xlink:href="san-20251231.xsd#san_DeferredConditionalVariableRemunerationPlanFourthCycle2014Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredConditionalVariableRemunerationPlanFourthCycle2014Member" xlink:to="lab_san_DeferredConditionalVariableRemunerationPlanFourthCycle2014Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NotionalAmountPlacedOnTheMarketPercentage_019ca0fb-c9cd-73ad-8f18-dd5036ca355b_terseLabel_en-US" xlink:label="lab_san_NotionalAmountPlacedOnTheMarketPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Notional amount, placed on the market (in percentage)</link:label>
    <link:label id="lab_san_NotionalAmountPlacedOnTheMarketPercentage_label_en-US" xlink:label="lab_san_NotionalAmountPlacedOnTheMarketPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Notional Amount, Placed On The Market, Percentage</link:label>
    <link:label id="lab_san_NotionalAmountPlacedOnTheMarketPercentage_documentation_en-US" xlink:label="lab_san_NotionalAmountPlacedOnTheMarketPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Notional Amount, Placed On The Market, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NotionalAmountPlacedOnTheMarketPercentage" xlink:href="san-20251231.xsd#san_NotionalAmountPlacedOnTheMarketPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NotionalAmountPlacedOnTheMarketPercentage" xlink:to="lab_san_NotionalAmountPlacedOnTheMarketPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssets_019ca0fb-ca4e-7fd6-968a-3ffb5ed3cc2f_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gain (loss) on sale (Note 12)</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssets_label_en-US" xlink:label="lab_ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (losses) on disposals of non-current assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssets" xlink:to="lab_ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ExpectedReturnOnInsuranceContractsLinkedToPensions_019ca0fb-ca4e-7880-aaec-de129d05b176_negatedTerseLabel_en-US" xlink:label="lab_san_ExpectedReturnOnInsuranceContractsLinkedToPensions" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Expected return on insurance contracts linked to pensions</link:label>
    <link:label id="lab_san_ExpectedReturnOnInsuranceContractsLinkedToPensions_019ca0fb-ca4e-7fe9-9052-1fbd09437fb1_terseLabel_en-US" xlink:label="lab_san_ExpectedReturnOnInsuranceContractsLinkedToPensions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expected return on insurance contracts linked to pensions</link:label>
    <link:label id="lab_san_ExpectedReturnOnInsuranceContractsLinkedToPensions_label_en-US" xlink:label="lab_san_ExpectedReturnOnInsuranceContractsLinkedToPensions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Expected Return On Insurance Contracts Linked To Pensions</link:label>
    <link:label id="lab_san_ExpectedReturnOnInsuranceContractsLinkedToPensions_documentation_en-US" xlink:label="lab_san_ExpectedReturnOnInsuranceContractsLinkedToPensions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Expected return on insurance contracts linked to pensions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ExpectedReturnOnInsuranceContractsLinkedToPensions" xlink:href="san-20251231.xsd#san_ExpectedReturnOnInsuranceContractsLinkedToPensions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ExpectedReturnOnInsuranceContractsLinkedToPensions" xlink:to="lab_san_ExpectedReturnOnInsuranceContractsLinkedToPensions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable_019ca0fb-cad3-7a05-b33e-9d987e448ce2_negatedTerseLabel_en-US" xlink:label="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Shares delivered (deferred payment variable remuneration) (in shares)</link:label>
    <link:label id="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable_019ca0fb-cad3-7fe7-8ee8-4841b632aa80_terseLabel_en-US" xlink:label="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of shares delivered (in shares)</link:label>
    <link:label id="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable_label_en-US" xlink:label="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Shares Earned In Share-Based Payment Arrangement, Deferred Variable</link:label>
    <link:label id="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable_documentation_en-US" xlink:label="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of shares earned for a deferred variable share-based payment arrangement.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" xlink:href="san-20251231.xsd#san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" xlink:to="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveNumberOfMetrics_019ca0fb-cbee-719e-9b64-9ce4455c6ebb_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveNumberOfMetrics" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred payment, sustainability objective, number of metrics</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveNumberOfMetrics_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveNumberOfMetrics" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Sustainability Objective, Number Of Metrics</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveNumberOfMetrics_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveNumberOfMetrics" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Sustainability Objective, Number Of Metrics</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveNumberOfMetrics" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentSustainabilityObjectiveNumberOfMetrics"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveNumberOfMetrics" xlink:to="lab_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveNumberOfMetrics" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex_019ca0fb-c9cd-7c7b-93f1-6b41868c2c96_terseLabel_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in provision assuming 100bp increase in Manheim index (as a percent)</link:label>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex_label_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percent Change In Provision Assuming 100 Basis Point Increase In Manheim Index</link:label>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex_documentation_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percent Change In Provision Assuming 100 Basis Point Increase In Manheim Index</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex" xlink:href="san-20251231.xsd#san_PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex" xlink:to="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TaxEffectOfRemeasurementOfDeferredTax_019ca0fb-cb6b-7887-a124-8859333b60e4_terseLabel_en-US" xlink:label="lab_san_TaxEffectOfRemeasurementOfDeferredTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Effect of reassessment of deferred taxes</link:label>
    <link:label id="lab_san_TaxEffectOfRemeasurementOfDeferredTax_label_en-US" xlink:label="lab_san_TaxEffectOfRemeasurementOfDeferredTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Effect Of Remeasurement Of Deferred Tax</link:label>
    <link:label id="lab_san_TaxEffectOfRemeasurementOfDeferredTax_documentation_en-US" xlink:label="lab_san_TaxEffectOfRemeasurementOfDeferredTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount that represents the difference between the tax expense (income) and the product of the accounting profit multiplied by the applicable tax rate(s) that relates to remeasurement of deferred taxes.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TaxEffectOfRemeasurementOfDeferredTax" xlink:href="san-20251231.xsd#san_TaxEffectOfRemeasurementOfDeferredTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TaxEffectOfRemeasurementOfDeferredTax" xlink:to="lab_san_TaxEffectOfRemeasurementOfDeferredTax" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome_019ca0fb-cad3-7474-83b8-578bae8de15f_terseLabel_en-US" xlink:label="lab_san_ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revaluation gains</link:label>
    <link:label id="lab_san_ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome_label_en-US" xlink:label="lab_san_ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reserve Of Gains On Remeasuring Financial Assets At Fair Value With Changes In Other Comprehensive Income</link:label>
    <link:label id="lab_san_ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome_documentation_en-US" xlink:label="lab_san_ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A component of equity representing accumulated gains on remeasuring available-for-sale financial assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" xlink:href="san-20251231.xsd#san_ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" xlink:to="lab_san_ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PlanAssetsAtFairValue_019ca0fb-c9cd-71d2-997b-7fa2ffdd6ce0_verboseLabel_en-US" xlink:label="lab_ifrs-full_PlanAssetsAtFairValue" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Less - Fair value of plan assets</link:label>
    <link:label id="lab_ifrs-full_PlanAssetsAtFairValue_019ca0fb-c9cd-7eb7-9d25-4c6394d3c1b6_terseLabel_en-US" xlink:label="lab_ifrs-full_PlanAssetsAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value of plan assets</link:label>
    <link:label id="lab_ifrs-full_PlanAssetsAtFairValue_label_en-US" xlink:label="lab_ifrs-full_PlanAssetsAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Plan assets, at fair value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PlanAssetsAtFairValue" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PlanAssetsAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PlanAssetsAtFairValue" xlink:to="lab_ifrs-full_PlanAssetsAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TreasuryShares_019ca0fb-cbee-7a29-9667-cca2ec2b0e02_negatedLabel_en-US" xlink:label="lab_ifrs-full_TreasuryShares" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">(-) OWN SHARES</link:label>
    <link:label id="lab_ifrs-full_TreasuryShares_019ca0fb-cbee-7f92-bfbe-50f75428d8b0_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_TreasuryShares" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Treasury shares</link:label>
    <link:label id="lab_ifrs-full_TreasuryShares_label_en-US" xlink:label="lab_ifrs-full_TreasuryShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TreasuryShares" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TreasuryShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TreasuryShares" xlink:to="lab_ifrs-full_TreasuryShares" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions_019ca0fb-ca4e-7775-b9a2-498f61912d86_verboseLabel_en-US" xlink:label="lab_san_IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Staff costs (note 46)</link:label>
    <link:label id="lab_san_IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions_label_en-US" xlink:label="lab_san_IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase Through Defined Benefit Pension Plans Personnel Expense, Provisions</link:label>
    <link:label id="lab_san_IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions_documentation_en-US" xlink:label="lab_san_IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Additions to provisions for defined benefit pension plans for personnel expenses.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" xlink:href="san-20251231.xsd#san_IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" xlink:to="lab_san_IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseInProvisionForLoanLoss_019ca0fb-cb6b-78f8-a1a3-aa774112ccbf_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseInProvisionForLoanLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) in provision for loan loss</link:label>
    <link:label id="lab_san_IncreaseDecreaseInProvisionForLoanLoss_label_en-US" xlink:label="lab_san_IncreaseDecreaseInProvisionForLoanLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Provision For Loan Loss</link:label>
    <link:label id="lab_san_IncreaseDecreaseInProvisionForLoanLoss_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseInProvisionForLoanLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Provision For Loan Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseInProvisionForLoanLoss" xlink:href="san-20251231.xsd#san_IncreaseDecreaseInProvisionForLoanLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseInProvisionForLoanLoss" xlink:to="lab_san_IncreaseDecreaseInProvisionForLoanLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares_019ca0fb-ca4e-7f40-a13b-c7243f2f5612_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percent awarded in options over shares</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Long Term And Deferred Compensation, Percent Of Total Awarded In Options Over Shares</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Long Term And Deferred Compensation, Percent Of Total Awarded In Options Over Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares" xlink:to="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderConsumerNordicsMember_019ca0fb-cb6b-7430-a932-82bab810e91c_terseLabel_en-US" xlink:label="lab_san_SantanderConsumerNordicsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Consumer Nordics</link:label>
    <link:label id="lab_san_SantanderConsumerNordicsMember_label_en-US" xlink:label="lab_san_SantanderConsumerNordicsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Consumer Nordics [Member]</link:label>
    <link:label id="lab_san_SantanderConsumerNordicsMember_documentation_en-US" xlink:label="lab_san_SantanderConsumerNordicsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Consumer Nordics</link:label>
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    <link:label id="lab_san_ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentageInConstantEuros_label_en-US" xlink:label="lab_san_ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentageInConstantEuros" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit Loss Attributable To Owners Of Parent, Increase (Decrease), Percentage, In Constant Euros</link:label>
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    <link:label id="lab_ifrs-full_StatementOfChangesInEquityTable_019ca0fb-c94e-78c9-8de7-301e667efef6_terseLabel_en-US" xlink:label="lab_ifrs-full_StatementOfChangesInEquityTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement of changes in equity [table]</link:label>
    <link:label id="lab_ifrs-full_StatementOfChangesInEquityTable_label_en-US" xlink:label="lab_ifrs-full_StatementOfChangesInEquityTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of changes in equity [table]</link:label>
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    <link:label id="lab_ifrs-full_ActuarialAssumptionsAxis_019ca0fb-cb6b-7a03-ab41-f9f58551dbb7_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actuarial assumptions [axis]</link:label>
    <link:label id="lab_ifrs-full_ActuarialAssumptionsAxis_label_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Actuarial assumptions [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialAssumptionsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ActuarialAssumptionsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ActuarialAssumptionsAxis" xlink:to="lab_ifrs-full_ActuarialAssumptionsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EuropeExcludingSpainMember_019ca0fb-cb6b-743b-a0e4-fa1a997c6d8b_terseLabel_en-US" xlink:label="lab_san_EuropeExcludingSpainMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rest of Europe</link:label>
    <link:label id="lab_san_EuropeExcludingSpainMember_label_en-US" xlink:label="lab_san_EuropeExcludingSpainMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Europe Excluding Spain [Member]</link:label>
    <link:label id="lab_san_EuropeExcludingSpainMember_documentation_en-US" xlink:label="lab_san_EuropeExcludingSpainMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Continent of Europe excluding Spain.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EuropeExcludingSpainMember" xlink:href="san-20251231.xsd#san_EuropeExcludingSpainMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EuropeExcludingSpainMember" xlink:to="lab_san_EuropeExcludingSpainMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanFifthCycle2015Member_019ca0fb-cb6b-7c8b-8c59-595e6396985d_terseLabel_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanFifthCycle2015Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred conditional variable remuneration plan fifth cycle</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanFifthCycle2015Member_label_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanFifthCycle2015Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan Fifth Cycle 2015 [Member]</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanFifthCycle2015Member_documentation_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanFifthCycle2015Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to the Deferred Conditional Variable Remuneration Plan Fifth Cycle (2015).</link:label>
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    <link:label id="lab_san_EQOptionPricingModelValuationTechniqueMember_019ca0fb-cad3-79c3-991b-e25646c80282_terseLabel_en-US" xlink:label="lab_san_EQOptionPricingModelValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">EQ option pricing model</link:label>
    <link:label id="lab_san_EQOptionPricingModelValuationTechniqueMember_label_en-US" xlink:label="lab_san_EQOptionPricingModelValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">EQ Option Pricing Model Valuation Technique [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_san_EQOptionPricingModelValuationTechniqueMember" xlink:href="san-20251231.xsd#san_EQOptionPricingModelValuationTechniqueMember"/>
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    <link:label id="lab_ifrs-full_InterestIncomeOnLoansAndAdvancesToCustomers_019ca0fb-c9cd-75ea-8b52-9c0cd34aea27_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestIncomeOnLoansAndAdvancesToCustomers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances,&#160;customers</link:label>
    <link:label id="lab_ifrs-full_InterestIncomeOnLoansAndAdvancesToCustomers_label_en-US" xlink:label="lab_ifrs-full_InterestIncomeOnLoansAndAdvancesToCustomers" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest income on loans and advances to customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestIncomeOnLoansAndAdvancesToCustomers" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InterestIncomeOnLoansAndAdvancesToCustomers"/>
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    <link:label id="lab_ifrs-full_HistoricalVolatilityForSharesMeasurementInputMember_019ca0fb-c94e-7a35-ab5c-003074a5ac3f_terseLabel_en-US" xlink:label="lab_ifrs-full_HistoricalVolatilityForSharesMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Volatility</link:label>
    <link:label id="lab_ifrs-full_HistoricalVolatilityForSharesMeasurementInputMember_label_en-US" xlink:label="lab_ifrs-full_HistoricalVolatilityForSharesMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Historical volatility for shares, measurement input [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_HistoricalVolatilityForSharesMeasurementInputMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_HistoricalVolatilityForSharesMeasurementInputMember"/>
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    <link:label id="lab_san_Law382022TaxReformMember_019ca0fb-cbee-7c01-a497-62f4ea72e034_terseLabel_en-US" xlink:label="lab_san_Law382022TaxReformMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Law 38/2022, Tax Reform</link:label>
    <link:label id="lab_san_Law382022TaxReformMember_label_en-US" xlink:label="lab_san_Law382022TaxReformMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Law 38/2022, Tax Reform [Member]</link:label>
    <link:label id="lab_san_Law382022TaxReformMember_documentation_en-US" xlink:label="lab_san_Law382022TaxReformMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Law 38/2022, Tax Reform</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_Law382022TaxReformMember" xlink:href="san-20251231.xsd#san_Law382022TaxReformMember"/>
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    <link:label id="lab_san_SecuritiesAndCommoditiesDerivativesAndOtherMember_019ca0fb-cad3-73f0-8224-379f5294640a_terseLabel_en-US" xlink:label="lab_san_SecuritiesAndCommoditiesDerivativesAndOtherMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities and commodities derivatives and other</link:label>
    <link:label id="lab_san_SecuritiesAndCommoditiesDerivativesAndOtherMember_label_en-US" xlink:label="lab_san_SecuritiesAndCommoditiesDerivativesAndOtherMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Securities And Commodities Derivatives And Other [Member]</link:label>
    <link:label id="lab_san_SecuritiesAndCommoditiesDerivativesAndOtherMember_documentation_en-US" xlink:label="lab_san_SecuritiesAndCommoditiesDerivativesAndOtherMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for securities and commodities derivatives and other.</link:label>
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    <link:label id="lab_san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInCash_019ca0fb-c94e-704e-b329-a98c30fa9421_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInCash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred payment, long term, percentage paid in cash</link:label>
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    <link:label id="lab_san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInCash_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInCash" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Long Term, Percentage Paid In Cash</link:label>
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    <link:label id="lab_ifrs-full_ClassesOfAssetsDomain_019ca0fb-cb6b-7058-bf35-3cea7fff6074_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of assets [domain]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfAssetsDomain_label_en-US" xlink:label="lab_ifrs-full_ClassesOfAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of assets [domain]</link:label>
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    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InNovember2025Member_019ca0fb-c94e-7bf5-84bd-c758eb7a5780_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InNovember2025Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In November 2025</link:label>
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    <link:label id="lab_ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities_019ca0fb-cbee-79cc-9d77-437ca3a9230e_verboseLabel_en-US" xlink:label="lab_ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Tangible assets</link:label>
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    <link:label id="lab_ifrs-full_InterestIncomeOnDebtInstrumentsHeld_019ca0fb-c9cd-7706-a8ba-e89ddd44a7d3_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestIncomeOnDebtInstrumentsHeld" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt instruments</link:label>
    <link:label id="lab_ifrs-full_InterestIncomeOnDebtInstrumentsHeld_label_en-US" xlink:label="lab_ifrs-full_InterestIncomeOnDebtInstrumentsHeld" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest income on debt instruments held</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestIncomeOnDebtInstrumentsHeld" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InterestIncomeOnDebtInstrumentsHeld"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestIncomeOnDebtInstrumentsHeld" xlink:to="lab_ifrs-full_InterestIncomeOnDebtInstrumentsHeld" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TypesOfHedgesDomain_019ca0fb-c94e-76d1-9602-32b2fe185ffc_terseLabel_en-US" xlink:label="lab_ifrs-full_TypesOfHedgesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Types of hedges [domain]</link:label>
    <link:label id="lab_ifrs-full_TypesOfHedgesDomain_label_en-US" xlink:label="lab_ifrs-full_TypesOfHedgesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Types of hedges [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TypesOfHedgesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TypesOfHedgesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TypesOfHedgesDomain" xlink:to="lab_ifrs-full_TypesOfHedgesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MarketableAssetsLevel1Member_019ca0fb-ca4e-7ff6-9edc-b7b1fdb9e1a6_terseLabel_en-US" xlink:label="lab_san_MarketableAssetsLevel1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Marketable assets Level 1</link:label>
    <link:label id="lab_san_MarketableAssetsLevel1Member_label_en-US" xlink:label="lab_san_MarketableAssetsLevel1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Marketable Assets Level 1 [Member]</link:label>
    <link:label id="lab_san_MarketableAssetsLevel1Member_documentation_en-US" xlink:label="lab_san_MarketableAssetsLevel1Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Marketable Assets Level 1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MarketableAssetsLevel1Member" xlink:href="san-20251231.xsd#san_MarketableAssetsLevel1Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MarketableAssetsLevel1Member" xlink:to="lab_san_MarketableAssetsLevel1Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ChaseNomineesLtdMember_019ca0fb-cad3-71bd-abed-10cfac16f91b_terseLabel_en-US" xlink:label="lab_san_ChaseNomineesLtdMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Chase Nominees Limited</link:label>
    <link:label id="lab_san_ChaseNomineesLtdMember_label_en-US" xlink:label="lab_san_ChaseNomineesLtdMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Chase Nominees Ltd [Member]</link:label>
    <link:label id="lab_san_ChaseNomineesLtdMember_documentation_en-US" xlink:label="lab_san_ChaseNomineesLtdMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Chase Nominees Ltd..</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ChaseNomineesLtdMember" xlink:href="san-20251231.xsd#san_ChaseNomineesLtdMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ChaseNomineesLtdMember" xlink:to="lab_san_ChaseNomineesLtdMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BancoSantanderBrazilSASubsidiaryMember_019ca0fb-c94d-7f22-a17a-ea63476c2bb7_terseLabel_en-US" xlink:label="lab_san_BancoSantanderBrazilSASubsidiaryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Santander Brazil SA Subsidiary</link:label>
    <link:label id="lab_san_BancoSantanderBrazilSASubsidiaryMember_label_en-US" xlink:label="lab_san_BancoSantanderBrazilSASubsidiaryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banco Santander Brazil SA Subsidiary [Member]</link:label>
    <link:label id="lab_san_BancoSantanderBrazilSASubsidiaryMember_documentation_en-US" xlink:label="lab_san_BancoSantanderBrazilSASubsidiaryMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Banco Santander (Brasil) S.A., a subsidiary of the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BancoSantanderBrazilSASubsidiaryMember" xlink:href="san-20251231.xsd#san_BancoSantanderBrazilSASubsidiaryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BancoSantanderBrazilSASubsidiaryMember" xlink:to="lab_san_BancoSantanderBrazilSASubsidiaryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EstimationOfExpectedLossesInterestRate_019ca0fb-cbee-7980-8655-857c3b192615_terseLabel_en-US" xlink:label="lab_san_EstimationOfExpectedLossesInterestRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate</link:label>
    <link:label id="lab_san_EstimationOfExpectedLossesInterestRate_label_en-US" xlink:label="lab_san_EstimationOfExpectedLossesInterestRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimation Of Expected Losses, Interest Rate</link:label>
    <link:label id="lab_san_EstimationOfExpectedLossesInterestRate_documentation_en-US" xlink:label="lab_san_EstimationOfExpectedLossesInterestRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the interest rate percentage in the estimation of expected credit losses.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EstimationOfExpectedLossesInterestRate" xlink:href="san-20251231.xsd#san_EstimationOfExpectedLossesInterestRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EstimationOfExpectedLossesInterestRate" xlink:to="lab_san_EstimationOfExpectedLossesInterestRate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DepositsCustomersMember_019ca0fb-cc70-7812-9640-09b12035fc1c_terseLabel_en-US" xlink:label="lab_san_DepositsCustomersMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Customers</link:label>
    <link:label id="lab_san_DepositsCustomersMember_019ca0fb-cc70-7bf3-b646-dc558cb15fbb_verboseLabel_en-US" xlink:label="lab_san_DepositsCustomersMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Customer deposits</link:label>
    <link:label id="lab_san_DepositsCustomersMember_019ca0fb-cc70-75b0-aec3-3f7f0e5bb586_netLabel_en-US" xlink:label="lab_san_DepositsCustomersMember" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities: customers</link:label>
    <link:label id="lab_san_DepositsCustomersMember_label_en-US" xlink:label="lab_san_DepositsCustomersMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits Customers [Member]</link:label>
    <link:label id="lab_san_DepositsCustomersMember_documentation_en-US" xlink:label="lab_san_DepositsCustomersMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents amounts held on account by the entity for customers, including money market operations through central counterparties. Excludes deposits at central banks and credit institutions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DepositsCustomersMember" xlink:href="san-20251231.xsd#san_DepositsCustomersMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DepositsCustomersMember" xlink:to="lab_san_DepositsCustomersMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfAccountingPoliciesAbstract_019ca0fb-cb6b-7de0-9bef-c8aa44a7c27b_terseLabel_en-US" xlink:label="lab_san_DisclosureOfAccountingPoliciesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure Of Accounting Policies Abstract [Abstract]</link:label>
    <link:label id="lab_san_DisclosureOfAccountingPoliciesAbstract_label_en-US" xlink:label="lab_san_DisclosureOfAccountingPoliciesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Accounting Policies [Abstract]</link:label>
    <link:label id="lab_san_DisclosureOfAccountingPoliciesAbstract_documentation_en-US" xlink:label="lab_san_DisclosureOfAccountingPoliciesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Accounting Policies Abstract [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfAccountingPoliciesAbstract" xlink:href="san-20251231.xsd#san_DisclosureOfAccountingPoliciesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfAccountingPoliciesAbstract" xlink:to="lab_san_DisclosureOfAccountingPoliciesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_BottomOfRangeMember_019ca0fb-ca4e-7fee-8930-3498cf6e5779_terseLabel_en-US" xlink:label="lab_ifrs-full_BottomOfRangeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum</link:label>
    <link:label id="lab_ifrs-full_BottomOfRangeMember_019ca0fb-ca4e-73c3-9779-0a2746b8c368_verboseLabel_en-US" xlink:label="lab_ifrs-full_BottomOfRangeMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Min</link:label>
    <link:label id="lab_ifrs-full_BottomOfRangeMember_label_en-US" xlink:label="lab_ifrs-full_BottomOfRangeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Bottom of range [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BottomOfRangeMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_BottomOfRangeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BottomOfRangeMember" xlink:to="lab_ifrs-full_BottomOfRangeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AmountsTransferredToInitialCarryingAmountOfHedgedItemsBeforeTax_019ca0fb-cad3-78bb-9dba-18d6847b97d8_negatedLabel_en-US" xlink:label="lab_san_AmountsTransferredToInitialCarryingAmountOfHedgedItemsBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Transferred to initial carrying amount of hedged items</link:label>
    <link:label id="lab_san_AmountsTransferredToInitialCarryingAmountOfHedgedItemsBeforeTax_label_en-US" xlink:label="lab_san_AmountsTransferredToInitialCarryingAmountOfHedgedItemsBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amounts Transferred To Initial Carrying Amount Of Hedged Items, Before Tax</link:label>
    <link:label id="lab_san_AmountsTransferredToInitialCarryingAmountOfHedgedItemsBeforeTax_documentation_en-US" xlink:label="lab_san_AmountsTransferredToInitialCarryingAmountOfHedgedItemsBeforeTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amounts Transferred To Initial Carrying Amount Of Hedged Items, Before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AmountsTransferredToInitialCarryingAmountOfHedgedItemsBeforeTax" xlink:href="san-20251231.xsd#san_AmountsTransferredToInitialCarryingAmountOfHedgedItemsBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AmountsTransferredToInitialCarryingAmountOfHedgedItemsBeforeTax" xlink:to="lab_san_AmountsTransferredToInitialCarryingAmountOfHedgedItemsBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EquitySwapContractMember_019ca0fb-c94e-72ae-be70-d171e3e01a68_terseLabel_en-US" xlink:label="lab_san_EquitySwapContractMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity swap</link:label>
    <link:label id="lab_san_EquitySwapContractMember_label_en-US" xlink:label="lab_san_EquitySwapContractMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Swap Contract [Member]</link:label>
    <link:label id="lab_san_EquitySwapContractMember_documentation_en-US" xlink:label="lab_san_EquitySwapContractMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Equity Swap Contract</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EquitySwapContractMember" xlink:href="san-20251231.xsd#san_EquitySwapContractMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EquitySwapContractMember" xlink:to="lab_san_EquitySwapContractMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_BoardOfDirectorsChairmanMember_019ca0fb-cb6b-7dc0-ae91-5d3a3de72a9e_terseLabel_en-US" xlink:label="lab_srt_BoardOfDirectorsChairmanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Chairman</link:label>
    <link:label id="lab_srt_BoardOfDirectorsChairmanMember_label_en-US" xlink:label="lab_srt_BoardOfDirectorsChairmanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Board of Directors Chairman [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_BoardOfDirectorsChairmanMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_BoardOfDirectorsChairmanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_BoardOfDirectorsChairmanMember" xlink:to="lab_srt_BoardOfDirectorsChairmanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CategoriesOfRelatedPartiesAxis_019ca0fb-cad3-753a-8d71-9b07b0009658_terseLabel_en-US" xlink:label="lab_ifrs-full_CategoriesOfRelatedPartiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Categories of related parties [axis]</link:label>
    <link:label id="lab_ifrs-full_CategoriesOfRelatedPartiesAxis_label_en-US" xlink:label="lab_ifrs-full_CategoriesOfRelatedPartiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Categories of related parties [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CategoriesOfRelatedPartiesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CategoriesOfRelatedPartiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CategoriesOfRelatedPartiesAxis" xlink:to="lab_ifrs-full_CategoriesOfRelatedPartiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfShareBuybackPrograms_019ca0fb-cb6b-790f-8ec5-3637e65c5983_terseLabel_en-US" xlink:label="lab_san_NumberOfShareBuybackPrograms" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of share buyback programs</link:label>
    <link:label id="lab_san_NumberOfShareBuybackPrograms_label_en-US" xlink:label="lab_san_NumberOfShareBuybackPrograms" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Share Buyback Programs</link:label>
    <link:label id="lab_san_NumberOfShareBuybackPrograms_documentation_en-US" xlink:label="lab_san_NumberOfShareBuybackPrograms" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Of Share Buyback Programs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfShareBuybackPrograms" xlink:href="san-20251231.xsd#san_NumberOfShareBuybackPrograms"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfShareBuybackPrograms" xlink:to="lab_san_NumberOfShareBuybackPrograms" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AuditorsRemunerationForAuditRelatedServices_019ca0fb-cbee-7a5e-b466-209a6b3e920b_terseLabel_en-US" xlink:label="lab_san_AuditorsRemunerationForAuditRelatedServices" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Audit-related services</link:label>
    <link:label id="lab_san_AuditorsRemunerationForAuditRelatedServices_label_en-US" xlink:label="lab_san_AuditorsRemunerationForAuditRelatedServices" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Auditors Remuneration For Audit Related Services</link:label>
    <link:label id="lab_san_AuditorsRemunerationForAuditRelatedServices_documentation_en-US" xlink:label="lab_san_AuditorsRemunerationForAuditRelatedServices" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of fees paid or payable to the entity's auditors for audit related services.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AuditorsRemunerationForAuditRelatedServices" xlink:href="san-20251231.xsd#san_AuditorsRemunerationForAuditRelatedServices"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AuditorsRemunerationForAuditRelatedServices" xlink:to="lab_san_AuditorsRemunerationForAuditRelatedServices" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossTangibleAssets_019ca0fb-cbee-7b81-84c3-36a86c282beb_negatedLabel_en-US" xlink:label="lab_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossTangibleAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Tangible assets</link:label>
    <link:label id="lab_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossTangibleAssets_label_en-US" xlink:label="lab_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment Loss Or Reversal Of Impairment Recognised In Profit Or Loss, Tangible Assets</link:label>
    <link:label id="lab_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossTangibleAssets_documentation_en-US" xlink:label="lab_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net amount of impairment loss or reversal of impairment recognized in profit or loss on tangible assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossTangibleAssets" xlink:href="san-20251231.xsd#san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossTangibleAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossTangibleAssets" xlink:to="lab_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossTangibleAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProfitLoss_019ca0fb-cc70-706f-aa70-0a33749d1426_totalLabel_en-US" xlink:label="lab_ifrs-full_ProfitLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Profit/(loss) for the year</link:label>
    <link:label id="lab_ifrs-full_ProfitLoss_019ca0fb-cc70-7b51-860b-9d023f45e580_terseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CONSOLIDATED PROFIT/(LOSS) FOR THE YEAR</link:label>
    <link:label id="lab_ifrs-full_ProfitLoss_019ca0fb-cc70-7f2c-8038-7759c8d8f973_verboseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLoss" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Profit or loss for the year</link:label>
    <link:label id="lab_ifrs-full_ProfitLoss_019ca0fb-cc70-7c01-b945-902e9a68e4b4_netLabel_en-US" xlink:label="lab_ifrs-full_ProfitLoss" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Total profit</link:label>
    <link:label id="lab_ifrs-full_ProfitLoss_label_en-US" xlink:label="lab_ifrs-full_ProfitLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit (loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProfitLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProfitLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProfitLoss" xlink:to="lab_ifrs-full_ProfitLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SpanishGovernmentDebtSecuritiesMember_019ca0fb-cc70-7e31-912c-255d9b4ecb03_terseLabel_en-US" xlink:label="lab_san_SpanishGovernmentDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Spanish government debt securities</link:label>
    <link:label id="lab_san_SpanishGovernmentDebtSecuritiesMember_label_en-US" xlink:label="lab_san_SpanishGovernmentDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Spanish Government Debt Securities [Member]</link:label>
    <link:label id="lab_san_SpanishGovernmentDebtSecuritiesMember_documentation_en-US" xlink:label="lab_san_SpanishGovernmentDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for debt securities issued by the domicile country government.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SpanishGovernmentDebtSecuritiesMember" xlink:href="san-20251231.xsd#san_SpanishGovernmentDebtSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SpanishGovernmentDebtSecuritiesMember" xlink:to="lab_san_SpanishGovernmentDebtSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ShareBasedCompensationArrangementMaximumAuthorizedAmount_019ca0fb-c94e-7653-99f1-f68a51ef25d6_terseLabel_en-US" xlink:label="lab_san_ShareBasedCompensationArrangementMaximumAuthorizedAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based compensation arrangement, maximum authorized Amount</link:label>
    <link:label id="lab_san_ShareBasedCompensationArrangementMaximumAuthorizedAmount_label_en-US" xlink:label="lab_san_ShareBasedCompensationArrangementMaximumAuthorizedAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement, Maximum Authorized Amount</link:label>
    <link:label id="lab_san_ShareBasedCompensationArrangementMaximumAuthorizedAmount_documentation_en-US" xlink:label="lab_san_ShareBasedCompensationArrangementMaximumAuthorizedAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement, Maximum Authorized Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ShareBasedCompensationArrangementMaximumAuthorizedAmount" xlink:href="san-20251231.xsd#san_ShareBasedCompensationArrangementMaximumAuthorizedAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ShareBasedCompensationArrangementMaximumAuthorizedAmount" xlink:to="lab_san_ShareBasedCompensationArrangementMaximumAuthorizedAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AggregateNotSignificantIndividualAssetsOrCashgeneratingUnitsMember_019ca0fb-cbee-710b-b725-e38bc186c164_terseLabel_en-US" xlink:label="lab_ifrs-full_AggregateNotSignificantIndividualAssetsOrCashgeneratingUnitsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other companies</link:label>
    <link:label id="lab_ifrs-full_AggregateNotSignificantIndividualAssetsOrCashgeneratingUnitsMember_label_en-US" xlink:label="lab_ifrs-full_AggregateNotSignificantIndividualAssetsOrCashgeneratingUnitsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate cash-generating units for which amount of goodwill or intangible assets with indefinite useful lives is not significant [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AggregateNotSignificantIndividualAssetsOrCashgeneratingUnitsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AggregateNotSignificantIndividualAssetsOrCashgeneratingUnitsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AggregateNotSignificantIndividualAssetsOrCashgeneratingUnitsMember" xlink:to="lab_ifrs-full_AggregateNotSignificantIndividualAssetsOrCashgeneratingUnitsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount_019ca0fb-c9cd-7596-9408-5edf8c7176aa_terseLabel_en-US" xlink:label="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loans, adjustment to gross carrying amount</link:label>
    <link:label id="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount_label_en-US" xlink:label="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loans, Denominated In/Indexed To Swiss Francs, Adjustment To Gross Carrying Amount</link:label>
    <link:label id="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount_documentation_en-US" xlink:label="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loans, Denominated In/Indexed To Swiss Francs, Adjustment To Gross Carrying Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount" xlink:href="san-20251231.xsd#san_MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount" xlink:to="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RestOfEurozoneMember_019ca0fb-ca4e-794e-a422-86c19202f98b_terseLabel_en-US" xlink:label="lab_san_RestOfEurozoneMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rest Eurozone</link:label>
    <link:label id="lab_san_RestOfEurozoneMember_label_en-US" xlink:label="lab_san_RestOfEurozoneMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Rest Of Eurozone [Member]</link:label>
    <link:label id="lab_san_RestOfEurozoneMember_documentation_en-US" xlink:label="lab_san_RestOfEurozoneMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for countries in the rest of the eurozone (monetary union of the European Union member states which have adopted the euro as their primary currency). Excludes Spain, Portugal, Italy, Greece, Ireland, and the United Kingdom.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RestOfEurozoneMember" xlink:href="san-20251231.xsd#san_RestOfEurozoneMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RestOfEurozoneMember" xlink:to="lab_san_RestOfEurozoneMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredTaxRelatingToItemsChargedCreditedDirectlyToLiabilityValuationAdjustments_019ca0fb-cbee-7f00-b89b-ee790e095dae_negatedLabel_en-US" xlink:label="lab_san_DeferredTaxRelatingToItemsChargedCreditedDirectlyToLiabilityValuationAdjustments" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">(Charge)/Credit to asset and liability valuation adjustments</link:label>
    <link:label id="lab_san_DeferredTaxRelatingToItemsChargedCreditedDirectlyToLiabilityValuationAdjustments_label_en-US" xlink:label="lab_san_DeferredTaxRelatingToItemsChargedCreditedDirectlyToLiabilityValuationAdjustments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Relating To Items Charged (Credited) Directly To Liability Valuation Adjustments</link:label>
    <link:label id="lab_san_DeferredTaxRelatingToItemsChargedCreditedDirectlyToLiabilityValuationAdjustments_documentation_en-US" xlink:label="lab_san_DeferredTaxRelatingToItemsChargedCreditedDirectlyToLiabilityValuationAdjustments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of deferred tax related to items charged to liability valuation adjustments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredTaxRelatingToItemsChargedCreditedDirectlyToLiabilityValuationAdjustments" xlink:href="san-20251231.xsd#san_DeferredTaxRelatingToItemsChargedCreditedDirectlyToLiabilityValuationAdjustments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredTaxRelatingToItemsChargedCreditedDirectlyToLiabilityValuationAdjustments" xlink:to="lab_san_DeferredTaxRelatingToItemsChargedCreditedDirectlyToLiabilityValuationAdjustments" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NoncurrentLiabilities_019ca0fb-c9cd-716d-8625-d4a47d2cad9f_terseLabel_en-US" xlink:label="lab_ifrs-full_NoncurrentLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non current liabilities</link:label>
    <link:label id="lab_ifrs-full_NoncurrentLiabilities_label_en-US" xlink:label="lab_ifrs-full_NoncurrentLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-current liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NoncurrentLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NoncurrentLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NoncurrentLiabilities" xlink:to="lab_ifrs-full_NoncurrentLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DigitalTransformationAward20202021Member_019ca0fb-cbee-7548-b778-55963c9296fc_terseLabel_en-US" xlink:label="lab_san_DigitalTransformationAward20202021Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2020 &amp; 2021</link:label>
    <link:label id="lab_san_DigitalTransformationAward20202021Member_label_en-US" xlink:label="lab_san_DigitalTransformationAward20202021Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2020 &amp; 2021 [Member]</link:label>
    <link:label id="lab_san_DigitalTransformationAward20202021Member_documentation_en-US" xlink:label="lab_san_DigitalTransformationAward20202021Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2020 &amp; 2021</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DigitalTransformationAward20202021Member" xlink:href="san-20251231.xsd#san_DigitalTransformationAward20202021Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DigitalTransformationAward20202021Member" xlink:to="lab_san_DigitalTransformationAward20202021Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClosingForeignExchangeRate_019ca0fb-c9cd-7969-8e57-ab93d0355d8a_terseLabel_en-US" xlink:label="lab_ifrs-full_ClosingForeignExchangeRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Closing foreign exchange rate</link:label>
    <link:label id="lab_ifrs-full_ClosingForeignExchangeRate_019ca0fb-c9cd-7c44-9472-c0039340fb04_verboseLabel_en-US" xlink:label="lab_ifrs-full_ClosingForeignExchangeRate" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Exchange rate</link:label>
    <link:label id="lab_ifrs-full_ClosingForeignExchangeRate_label_en-US" xlink:label="lab_ifrs-full_ClosingForeignExchangeRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Closing foreign exchange rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClosingForeignExchangeRate" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClosingForeignExchangeRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClosingForeignExchangeRate" xlink:to="lab_ifrs-full_ClosingForeignExchangeRate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PriceBasedValuationTechniqueMember_019ca0fb-c9cd-7fb6-b127-f12ebde86366_terseLabel_en-US" xlink:label="lab_san_PriceBasedValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Price Based Valuation Technique</link:label>
    <link:label id="lab_san_PriceBasedValuationTechniqueMember_label_en-US" xlink:label="lab_san_PriceBasedValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Price Based Valuation Technique [Member]</link:label>
    <link:label id="lab_san_PriceBasedValuationTechniqueMember_documentation_en-US" xlink:label="lab_san_PriceBasedValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Price Based Valuation Technique</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PriceBasedValuationTechniqueMember" xlink:href="san-20251231.xsd#san_PriceBasedValuationTechniqueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PriceBasedValuationTechniqueMember" xlink:to="lab_san_PriceBasedValuationTechniqueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation_019ca0fb-cbee-7af5-acb0-96de512e246e_terseLabel_en-US" xlink:label="lab_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additions / disposals (net) due to change in the scope of consolidation</link:label>
    <link:label id="lab_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation_label_en-US" xlink:label="lab_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Of Additions And Disposals To Property Plant And Equipment Due To Change In Scope Of Consolidation</link:label>
    <link:label id="lab_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation_documentation_en-US" xlink:label="lab_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The net amount of additions and disposals to property, plant and equipment due to change in scope of consolidation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" xlink:href="san-20251231.xsd#san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" xlink:to="lab_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherWarehousesMember_019ca0fb-c9cd-7a13-9a1d-cf9e264b1eba_terseLabel_en-US" xlink:label="lab_san_OtherWarehousesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other warehouses</link:label>
    <link:label id="lab_san_OtherWarehousesMember_label_en-US" xlink:label="lab_san_OtherWarehousesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Warehouses [Member]</link:label>
    <link:label id="lab_san_OtherWarehousesMember_documentation_en-US" xlink:label="lab_san_OtherWarehousesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents other warehouses.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherWarehousesMember" xlink:href="san-20251231.xsd#san_OtherWarehousesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherWarehousesMember" xlink:to="lab_san_OtherWarehousesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SolDaurellaComadranMember_019ca0fb-c9cd-7785-926f-56481829628c_terseLabel_en-US" xlink:label="lab_san_SolDaurellaComadranMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sol Daurella</link:label>
    <link:label id="lab_san_SolDaurellaComadranMember_019ca0fb-c9cd-719a-a329-db74ac918bf2_verboseLabel_en-US" xlink:label="lab_san_SolDaurellaComadranMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Sol Daurella</link:label>
    <link:label id="lab_san_SolDaurellaComadranMember_label_en-US" xlink:label="lab_san_SolDaurellaComadranMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sol Daurella Comadran [Member]</link:label>
    <link:label id="lab_san_SolDaurellaComadranMember_documentation_en-US" xlink:label="lab_san_SolDaurellaComadranMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The member that represents an individual key personnel named Sol Daurella Comadran.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SolDaurellaComadranMember" xlink:href="san-20251231.xsd#san_SolDaurellaComadranMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SolDaurellaComadranMember" xlink:to="lab_san_SolDaurellaComadranMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfEntitysReportableSegmentsExplanatory_019ca0fb-c94e-77f2-8d3e-4ff2dd0c57eb_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfEntitysReportableSegmentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Primary and secondary segments reporting</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfEntitysReportableSegmentsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfEntitysReportableSegmentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of entity's operating segments [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfEntitysReportableSegmentsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfEntitysReportableSegmentsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfEntitysReportableSegmentsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfEntitysReportableSegmentsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_HighQualityLiquidAssets_019ca0fb-c9cd-772c-94f0-06d4b2112f78_terseLabel_en-US" xlink:label="lab_san_HighQualityLiquidAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">High-quality liquid assets-HQLAs</link:label>
    <link:label id="lab_san_HighQualityLiquidAssets_label_en-US" xlink:label="lab_san_HighQualityLiquidAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">High-Quality Liquid Assets</link:label>
    <link:label id="lab_san_HighQualityLiquidAssets_documentation_en-US" xlink:label="lab_san_HighQualityLiquidAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">High-Quality Liquid Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_HighQualityLiquidAssets" xlink:href="san-20251231.xsd#san_HighQualityLiquidAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_HighQualityLiquidAssets" xlink:to="lab_san_HighQualityLiquidAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DepositsFromCentralBanksAtAmortisedCostDueToParticipationInRefinancingOperationsProgram_019ca0fb-ca4e-77b1-bcbc-aceabda8657e_terseLabel_en-US" xlink:label="lab_san_DepositsFromCentralBanksAtAmortisedCostDueToParticipationInRefinancingOperationsProgram" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits from central banks at amortised cost due to participation in the refinancing operations program</link:label>
    <link:label id="lab_san_DepositsFromCentralBanksAtAmortisedCostDueToParticipationInRefinancingOperationsProgram_label_en-US" xlink:label="lab_san_DepositsFromCentralBanksAtAmortisedCostDueToParticipationInRefinancingOperationsProgram" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits From Central Banks At Amortised Cost Due To Participation In Refinancing Operations Program</link:label>
    <link:label id="lab_san_DepositsFromCentralBanksAtAmortisedCostDueToParticipationInRefinancingOperationsProgram_documentation_en-US" xlink:label="lab_san_DepositsFromCentralBanksAtAmortisedCostDueToParticipationInRefinancingOperationsProgram" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the deposits from central banks at amortised cost due to participation in refinancing operations program.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DepositsFromCentralBanksAtAmortisedCostDueToParticipationInRefinancingOperationsProgram" xlink:href="san-20251231.xsd#san_DepositsFromCentralBanksAtAmortisedCostDueToParticipationInRefinancingOperationsProgram"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DepositsFromCentralBanksAtAmortisedCostDueToParticipationInRefinancingOperationsProgram" xlink:to="lab_san_DepositsFromCentralBanksAtAmortisedCostDueToParticipationInRefinancingOperationsProgram" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare_019ca0fb-cad3-7909-a86a-dae704f08c62_terseLabel_en-US" xlink:label="lab_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividends per share (in eur per share)</link:label>
    <link:label id="lab_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare_label_en-US" xlink:label="lab_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends recognised as distributions to owners per share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare" xlink:to="lab_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfNatureAndExtentOfRisksByRiskFactorTextBlock_019ca0fb-ca4e-7f8a-a854-397528198877_terseLabel_en-US" xlink:label="lab_san_DisclosureOfNatureAndExtentOfRisksByRiskFactorTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of concentrations by risk factor</link:label>
    <link:label id="lab_san_DisclosureOfNatureAndExtentOfRisksByRiskFactorTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfNatureAndExtentOfRisksByRiskFactorTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Nature And Extent Of Risks By Risk Factor [Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfNatureAndExtentOfRisksByRiskFactorTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfNatureAndExtentOfRisksByRiskFactorTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of information that enables users of financial statements to evaluate the nature and extent of risks, by risk factor, to which the entity is exposed.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfNatureAndExtentOfRisksByRiskFactorTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfNatureAndExtentOfRisksByRiskFactorTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfNatureAndExtentOfRisksByRiskFactorTextBlock" xlink:to="lab_san_DisclosureOfNatureAndExtentOfRisksByRiskFactorTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DiscountCurveMeasurementInputMember_019ca0fb-cad3-7b61-95cb-1755f4d0aef1_terseLabel_en-US" xlink:label="lab_san_DiscountCurveMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discount curve</link:label>
    <link:label id="lab_san_DiscountCurveMeasurementInputMember_label_en-US" xlink:label="lab_san_DiscountCurveMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Discount Curve, Measurement Input [Member]</link:label>
    <link:label id="lab_san_DiscountCurveMeasurementInputMember_documentation_en-US" xlink:label="lab_san_DiscountCurveMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Discount Curve, Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DiscountCurveMeasurementInputMember" xlink:href="san-20251231.xsd#san_DiscountCurveMeasurementInputMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DiscountCurveMeasurementInputMember" xlink:to="lab_san_DiscountCurveMeasurementInputMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InMay2024Member_019ca0fb-cb6b-78d5-bd73-c522ade47788_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InMay2024Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Santander, S.A., May 2024</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InMay2024Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InMay2024Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In May 2024 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InMay2024Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InMay2024Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In May 2024</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderS.A.InMay2024Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderS.A.InMay2024Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderS.A.InMay2024Member" xlink:to="lab_san_IssuanceByBancoSantanderS.A.InMay2024Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AssociatesMember_019ca0fb-c94e-7f3b-a71f-2e2c346836cb_terseLabel_en-US" xlink:label="lab_ifrs-full_AssociatesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total for all associates</link:label>
    <link:label id="lab_ifrs-full_AssociatesMember_label_en-US" xlink:label="lab_ifrs-full_AssociatesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total for all associates [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AssociatesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AssociatesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AssociatesMember" xlink:to="lab_ifrs-full_AssociatesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInNovember2021Member_019ca0fb-ca4e-7edb-bc55-e915f8a6d961_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInNovember2021Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance by Banco Santander S.A. in November 2021</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInNovember2021Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInNovember2021Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In November 2021 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInNovember2021Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInNovember2021Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In November 2021</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderSAInNovember2021Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderSAInNovember2021Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderSAInNovember2021Member" xlink:to="lab_san_IssuanceByBancoSantanderSAInNovember2021Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NetLiabilitiesOrAssetsForRemainingCoverageMember_019ca0fb-cb6b-76ef-8392-5de59c46a012_terseLabel_en-US" xlink:label="lab_san_NetLiabilitiesOrAssetsForRemainingCoverageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liability for Remaining Coverage (LRC)</link:label>
    <link:label id="lab_san_NetLiabilitiesOrAssetsForRemainingCoverageMember_label_en-US" xlink:label="lab_san_NetLiabilitiesOrAssetsForRemainingCoverageMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Liabilities Or Assets For Remaining Coverage [Member]</link:label>
    <link:label id="lab_san_NetLiabilitiesOrAssetsForRemainingCoverageMember_documentation_en-US" xlink:label="lab_san_NetLiabilitiesOrAssetsForRemainingCoverageMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net Liabilities Or Assets For Remaining Coverage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NetLiabilitiesOrAssetsForRemainingCoverageMember" xlink:href="san-20251231.xsd#san_NetLiabilitiesOrAssetsForRemainingCoverageMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NetLiabilitiesOrAssetsForRemainingCoverageMember" xlink:to="lab_san_NetLiabilitiesOrAssetsForRemainingCoverageMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents_019ca0fb-cad3-7d6b-b2f1-2cc37820ecf6_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Less, bank overdrafts refundable on demand</link:label>
    <link:label id="lab_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents_label_en-US" xlink:label="lab_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Bank overdrafts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_BankOverdraftsClassifiedAsCashEquivalents"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents" xlink:to="lab_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiability_019ca0fb-c94e-7746-a6ed-eab502194fab_negatedLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiability" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Reclassification no-current asset held for sale</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiability_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Classified As Held For Sale, Deferred Tax Liability</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiability_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiability" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Classified As Held For Sale, Deferred Tax Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiability" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiability" xlink:to="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities_019ca0fb-cc70-7285-bf27-4faade53f84d_terseLabel_en-US" xlink:label="lab_san_AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Remuneration of PPCC and PPCA</link:label>
    <link:label id="lab_san_AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities_label_en-US" xlink:label="lab_san_AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment To Profit (Loss) For Remuneration Of Contingently Convertible Preferred Securities</link:label>
    <link:label id="lab_san_AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities_documentation_en-US" xlink:label="lab_san_AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Adjustment To Profit (Loss) For Remuneration Of Contingently Convertible Preferred Securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities" xlink:href="san-20251231.xsd#san_AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities" xlink:to="lab_san_AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding_019ca0fb-c94e-7736-8d09-043094e672a3_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Written-off assets</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets written off during reporting period and still subject to enforcement activity, contractual amount outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" xlink:to="lab_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfContingentLiabilitiesTable_019ca0fb-c94e-726a-b9d6-f42418dc822d_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfContingentLiabilitiesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of contingent liabilities [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfContingentLiabilitiesTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfContingentLiabilitiesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of contingent liabilities [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfContingentLiabilitiesTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfContingentLiabilitiesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfContingentLiabilitiesTable" xlink:to="lab_ifrs-full_DisclosureOfContingentLiabilitiesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PresentValueOfDefinedBenefitObligationMember_019ca0fb-cad3-74f6-b2ef-6879bf0a348c_terseLabel_en-US" xlink:label="lab_ifrs-full_PresentValueOfDefinedBenefitObligationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Present value of defined benefit obligation</link:label>
    <link:label id="lab_ifrs-full_PresentValueOfDefinedBenefitObligationMember_label_en-US" xlink:label="lab_ifrs-full_PresentValueOfDefinedBenefitObligationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Present value of defined benefit obligation [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PresentValueOfDefinedBenefitObligationMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PresentValueOfDefinedBenefitObligationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PresentValueOfDefinedBenefitObligationMember" xlink:to="lab_ifrs-full_PresentValueOfDefinedBenefitObligationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForLeasesExplanatory_019ca0fb-cc70-7cce-8974-2132a32665f5_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForLeasesExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounting for leases</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForLeasesExplanatory_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForLeasesExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description of accounting policy for leases [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfAccountingPolicyForLeasesExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfAccountingPolicyForLeasesExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfAccountingPolicyForLeasesExplanatory" xlink:to="lab_ifrs-full_DescriptionOfAccountingPolicyForLeasesExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InterimDividendsMember_019ca0fb-cb6b-76af-b777-17f3048487ce_terseLabel_en-US" xlink:label="lab_san_InterimDividendsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">(-) Interim dividends</link:label>
    <link:label id="lab_san_InterimDividendsMember_label_en-US" xlink:label="lab_san_InterimDividendsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interim Dividends [Member]</link:label>
    <link:label id="lab_san_InterimDividendsMember_documentation_en-US" xlink:label="lab_san_InterimDividendsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the portion of equity related to dividends and remuneration.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InterimDividendsMember" xlink:href="san-20251231.xsd#san_InterimDividendsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InterimDividendsMember" xlink:to="lab_san_InterimDividendsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AssetsAndLiabilitiesNotClassifiedAsHeldForSaleMember_019ca0fb-c94e-7f50-b39f-0bf204392599_terseLabel_en-US" xlink:label="lab_ifrs-full_AssetsAndLiabilitiesNotClassifiedAsHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets and liabilities not classified as held for sale</link:label>
    <link:label id="lab_ifrs-full_AssetsAndLiabilitiesNotClassifiedAsHeldForSaleMember_label_en-US" xlink:label="lab_ifrs-full_AssetsAndLiabilitiesNotClassifiedAsHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets and liabilities not classified as held for sale [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AssetsAndLiabilitiesNotClassifiedAsHeldForSaleMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AssetsAndLiabilitiesNotClassifiedAsHeldForSaleMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AssetsAndLiabilitiesNotClassifiedAsHeldForSaleMember" xlink:to="lab_ifrs-full_AssetsAndLiabilitiesNotClassifiedAsHeldForSaleMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RetainedEarningsAbstract_label_en-US" xlink:label="lab_ifrs-full_RetainedEarningsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained earnings [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RetainedEarningsAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RetainedEarningsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RetainedEarningsAbstract" xlink:to="lab_ifrs-full_RetainedEarningsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EstimationOfExpectedLossesBurdenIncomeRate_019ca0fb-c94e-7413-a223-87e542639abc_terseLabel_en-US" xlink:label="lab_san_EstimationOfExpectedLossesBurdenIncomeRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Burden income</link:label>
    <link:label id="lab_san_EstimationOfExpectedLossesBurdenIncomeRate_label_en-US" xlink:label="lab_san_EstimationOfExpectedLossesBurdenIncomeRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimation Of Expected Losses, Burden Income Rate</link:label>
    <link:label id="lab_san_EstimationOfExpectedLossesBurdenIncomeRate_documentation_en-US" xlink:label="lab_san_EstimationOfExpectedLossesBurdenIncomeRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Estimation Of Expected Losses, Burden Income Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EstimationOfExpectedLossesBurdenIncomeRate" xlink:href="san-20251231.xsd#san_EstimationOfExpectedLossesBurdenIncomeRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EstimationOfExpectedLossesBurdenIncomeRate" xlink:to="lab_san_EstimationOfExpectedLossesBurdenIncomeRate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FeeAndCommissionIncomeSecuritiesServicesAbstract_019ca0fb-cc70-7203-ad5a-161e6d469aa3_terseLabel_en-US" xlink:label="lab_san_FeeAndCommissionIncomeSecuritiesServicesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Coming from Securities services</link:label>
    <link:label id="lab_san_FeeAndCommissionIncomeSecuritiesServicesAbstract_label_en-US" xlink:label="lab_san_FeeAndCommissionIncomeSecuritiesServicesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fee And Commission Income, Securities Services [Abstract]</link:label>
    <link:label id="lab_san_FeeAndCommissionIncomeSecuritiesServicesAbstract_documentation_en-US" xlink:label="lab_san_FeeAndCommissionIncomeSecuritiesServicesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">n/a.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FeeAndCommissionIncomeSecuritiesServicesAbstract" xlink:href="san-20251231.xsd#san_FeeAndCommissionIncomeSecuritiesServicesAbstract"/>
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    <link:label id="lab_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationNetOfTax_019ca0fb-ca4e-78cc-b0c9-338c6169f165_verboseLabel_en-US" xlink:label="lab_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationNetOfTax" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Reclassification adjustments on exchange differences on translation of foreign operations, net of tax</link:label>
    <link:label id="lab_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationNetOfTax_label_en-US" xlink:label="lab_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification adjustments on exchange differences on translation of foreign operations, net of tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationNetOfTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationNetOfTax"/>
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    <link:label id="lab_ifrs-full_FeeAndCommissionIncomeAbstract_019ca0fb-ca4e-73f1-a7ff-4eb05943f154_terseLabel_en-US" xlink:label="lab_ifrs-full_FeeAndCommissionIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fee and commission income [abstract]</link:label>
    <link:label id="lab_ifrs-full_FeeAndCommissionIncomeAbstract_label_en-US" xlink:label="lab_ifrs-full_FeeAndCommissionIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fee and commission income [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FeeAndCommissionIncomeAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FeeAndCommissionIncomeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FeeAndCommissionIncomeAbstract" xlink:to="lab_ifrs-full_FeeAndCommissionIncomeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AnalysisOfIncomeAndExpenseAbstract_label_en-US" xlink:label="lab_ifrs-full_AnalysisOfIncomeAndExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Analysis of income and expense [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AnalysisOfIncomeAndExpenseAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AnalysisOfIncomeAndExpenseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AnalysisOfIncomeAndExpenseAbstract" xlink:to="lab_ifrs-full_AnalysisOfIncomeAndExpenseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToAssetAndLiabilityValuationAdjustments_019ca0fb-cb6b-74df-baab-793e8365884d_totalLabel_en-US" xlink:label="lab_san_DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToAssetAndLiabilityValuationAdjustments" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">(Charge)/Credit to asset and liability valuation adjustments</link:label>
    <link:label id="lab_san_DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToAssetAndLiabilityValuationAdjustments_label_en-US" xlink:label="lab_san_DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToAssetAndLiabilityValuationAdjustments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Relating To Items Charged or Credited Directly To Asset and Liability Valuation Adjustments</link:label>
    <link:label id="lab_san_DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToAssetAndLiabilityValuationAdjustments_documentation_en-US" xlink:label="lab_san_DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToAssetAndLiabilityValuationAdjustments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of deferred tax related to items credited (charged) to asset and liability valuation adjustments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToAssetAndLiabilityValuationAdjustments" xlink:href="san-20251231.xsd#san_DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToAssetAndLiabilityValuationAdjustments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToAssetAndLiabilityValuationAdjustments" xlink:to="lab_san_DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToAssetAndLiabilityValuationAdjustments" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonMonetizableTaxAssetsMember_019ca0fb-cb6b-7653-adea-940b8fb89238_terseLabel_en-US" xlink:label="lab_san_NonMonetizableTaxAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_san_NonMonetizableTaxAssetsMember_label_en-US" xlink:label="lab_san_NonMonetizableTaxAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Monetizable Tax Assets [Member]</link:label>
    <link:label id="lab_san_NonMonetizableTaxAssetsMember_documentation_en-US" xlink:label="lab_san_NonMonetizableTaxAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for deferred tax assets that must be deducted from regulatory capital.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonMonetizableTaxAssetsMember" xlink:href="san-20251231.xsd#san_NonMonetizableTaxAssetsMember"/>
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    <link:label id="lab_san_MarketableAssetsLevel2AMember_019ca0fb-cbee-7605-9667-36ba77031008_terseLabel_en-US" xlink:label="lab_san_MarketableAssetsLevel2AMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Marketable assets Level 2A</link:label>
    <link:label id="lab_san_MarketableAssetsLevel2AMember_label_en-US" xlink:label="lab_san_MarketableAssetsLevel2AMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Marketable Assets Level 2A [Member]</link:label>
    <link:label id="lab_san_MarketableAssetsLevel2AMember_documentation_en-US" xlink:label="lab_san_MarketableAssetsLevel2AMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Marketable Assets Level 2A</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MarketableAssetsLevel2AMember" xlink:href="san-20251231.xsd#san_MarketableAssetsLevel2AMember"/>
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    <link:label id="lab_currency_GBP_019ca0fb-ca4e-7786-a2b8-4f74a7fcdc4e_terseLabel_en-US" xlink:label="lab_currency_GBP" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pound sterling</link:label>
    <link:label id="lab_currency_GBP_019ca0fb-ca4e-74b6-8cc7-fbc634e6b8fd_verboseLabel_en-US" xlink:label="lab_currency_GBP" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">GBP</link:label>
    <link:label id="lab_currency_GBP_label_en-US" xlink:label="lab_currency_GBP" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">United Kingdom, Pounds</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_GBP" xlink:href="https://xbrl.sec.gov/currency/2025/currency-2025.xsd#currency_GBP"/>
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    <link:label id="lab_san_PrepaymentModelingValuationTechniqueMember_019ca0fb-cb6b-7866-a9e5-4457b44c491e_terseLabel_en-US" xlink:label="lab_san_PrepaymentModelingValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Prepayment modelling</link:label>
    <link:label id="lab_san_PrepaymentModelingValuationTechniqueMember_label_en-US" xlink:label="lab_san_PrepaymentModelingValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Prepayment Modeling Valuation Technique [Member]</link:label>
    <link:label id="lab_san_PrepaymentModelingValuationTechniqueMember_documentation_en-US" xlink:label="lab_san_PrepaymentModelingValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Prepayment Modeling Valuation Technique</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PrepaymentModelingValuationTechniqueMember" xlink:href="san-20251231.xsd#san_PrepaymentModelingValuationTechniqueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PrepaymentModelingValuationTechniqueMember" xlink:to="lab_san_PrepaymentModelingValuationTechniqueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInCash_019ca0fb-c94e-7b4c-b0c5-8a957728ec4d_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInCash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred payment, short term, percentage paid in cash</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInCash_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Short Term, Percentage Paid In Cash</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInCash_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInCash" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Short Term, Percentage Paid In Cash</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInCash" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInCash" xlink:to="lab_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInCash" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LiabilitiesAbstract_019ca0fb-ca4d-7c80-bfb7-12b434c8f21f_terseLabel_en-US" xlink:label="lab_ifrs-full_LiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LIABILITIES</link:label>
    <link:label id="lab_ifrs-full_LiabilitiesAbstract_019ca0fb-ca4d-734c-a1d7-faeb3becebc1_verboseLabel_en-US" xlink:label="lab_ifrs-full_LiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Liabilities</link:label>
    <link:label id="lab_ifrs-full_LiabilitiesAbstract_019ca0fb-ca4d-7673-829d-c61b28455b12_netLabel_en-US" xlink:label="lab_ifrs-full_LiabilitiesAbstract" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">FINANCIAL LIABILITIES</link:label>
    <link:label id="lab_ifrs-full_LiabilitiesAbstract_label_en-US" xlink:label="lab_ifrs-full_LiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LiabilitiesAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LiabilitiesAbstract" xlink:to="lab_ifrs-full_LiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CollateralAssetsNumberOfCategories_019ca0fb-c94e-7151-b878-2d1025e41509_terseLabel_en-US" xlink:label="lab_san_CollateralAssetsNumberOfCategories" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of categories of encumbered assets</link:label>
    <link:label id="lab_san_CollateralAssetsNumberOfCategories_label_en-US" xlink:label="lab_san_CollateralAssetsNumberOfCategories" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateral Assets, Number Of Categories</link:label>
    <link:label id="lab_san_CollateralAssetsNumberOfCategories_documentation_en-US" xlink:label="lab_san_CollateralAssetsNumberOfCategories" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of categories of encumbered assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CollateralAssetsNumberOfCategories" xlink:href="san-20251231.xsd#san_CollateralAssetsNumberOfCategories"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CollateralAssetsNumberOfCategories" xlink:to="lab_san_CollateralAssetsNumberOfCategories" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AmortisationOfOtherEquityInstruments_019ca0fb-cbee-79da-ac1e-1a149c76adb6_terseLabel_en-US" xlink:label="lab_san_AmortisationOfOtherEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortisation of other equity instruments</link:label>
    <link:label id="lab_san_AmortisationOfOtherEquityInstruments_label_en-US" xlink:label="lab_san_AmortisationOfOtherEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortisation Of Other Equity Instruments</link:label>
    <link:label id="lab_san_AmortisationOfOtherEquityInstruments_documentation_en-US" xlink:label="lab_san_AmortisationOfOtherEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amortisation Of Other Equity Instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AmortisationOfOtherEquityInstruments" xlink:href="san-20251231.xsd#san_AmortisationOfOtherEquityInstruments"/>
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    <link:label id="lab_san_RepaidByBancoSantanderS.A.InAugust2025ISINXS1384064587Member_019ca0fb-cad3-7f86-a644-a817b03b310a_terseLabel_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InAugust2025ISINXS1384064587Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repaid By Banco Santander S.A. In August 2025, ISIN XS1384064587</link:label>
    <link:label id="lab_san_RepaidByBancoSantanderS.A.InAugust2025ISINXS1384064587Member_label_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InAugust2025ISINXS1384064587Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repaid By Banco Santander S.A. In August 2025, ISIN XS1384064587 [Member]</link:label>
    <link:label id="lab_san_RepaidByBancoSantanderS.A.InAugust2025ISINXS1384064587Member_documentation_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InAugust2025ISINXS1384064587Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Repaid By Banco Santander S.A. In August 2025, ISIN XS1384064587</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RepaidByBancoSantanderS.A.InAugust2025ISINXS1384064587Member" xlink:href="san-20251231.xsd#san_RepaidByBancoSantanderS.A.InAugust2025ISINXS1384064587Member"/>
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    <link:label id="lab_san_DeferredVariableCompensationThirdFourthAndFifthPortionMember_019ca0fb-c94e-728a-ab78-f10dd5c1e145_terseLabel_en-US" xlink:label="lab_san_DeferredVariableCompensationThirdFourthAndFifthPortionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred variable compensation, third, fourth and fifth portion</link:label>
    <link:label id="lab_san_DeferredVariableCompensationThirdFourthAndFifthPortionMember_label_en-US" xlink:label="lab_san_DeferredVariableCompensationThirdFourthAndFifthPortionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Compensation, Third, Fourth And Fifth Portion [Member]</link:label>
    <link:label id="lab_san_DeferredVariableCompensationThirdFourthAndFifthPortionMember_documentation_en-US" xlink:label="lab_san_DeferredVariableCompensationThirdFourthAndFifthPortionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Compensation, Third, Fourth And Fifth Portion</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableCompensationThirdFourthAndFifthPortionMember" xlink:href="san-20251231.xsd#san_DeferredVariableCompensationThirdFourthAndFifthPortionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableCompensationThirdFourthAndFifthPortionMember" xlink:to="lab_san_DeferredVariableCompensationThirdFourthAndFifthPortionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProvisionsAbstract_019ca0fb-cc70-718a-bcd2-b1b13380dfbe_terseLabel_en-US" xlink:label="lab_ifrs-full_ProvisionsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions [abstract]</link:label>
    <link:label id="lab_ifrs-full_ProvisionsAbstract_label_en-US" xlink:label="lab_ifrs-full_ProvisionsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provisions [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProvisionsAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProvisionsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProvisionsAbstract" xlink:to="lab_ifrs-full_ProvisionsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CarryingAmountMember_019ca0fb-cc70-7821-9830-24d75bbbf884_terseLabel_en-US" xlink:label="lab_ifrs-full_CarryingAmountMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying amount</link:label>
    <link:label id="lab_ifrs-full_CarryingAmountMember_label_en-US" xlink:label="lab_ifrs-full_CarryingAmountMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Carrying amount [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CarryingAmountMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CarryingAmountMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CarryingAmountMember" xlink:to="lab_ifrs-full_CarryingAmountMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RemunerationCommitteeChairmanMember_019ca0fb-c94e-7e83-967c-7f3bf5c33ab4_terseLabel_en-US" xlink:label="lab_san_RemunerationCommitteeChairmanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Chair of the remuneration committee</link:label>
    <link:label id="lab_san_RemunerationCommitteeChairmanMember_label_en-US" xlink:label="lab_san_RemunerationCommitteeChairmanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Remuneration Committee, Chairman [Member]</link:label>
    <link:label id="lab_san_RemunerationCommitteeChairmanMember_documentation_en-US" xlink:label="lab_san_RemunerationCommitteeChairmanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the person serving as chairman of the remuneration committee of the board of directors.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RemunerationCommitteeChairmanMember" xlink:href="san-20251231.xsd#san_RemunerationCommitteeChairmanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RemunerationCommitteeChairmanMember" xlink:to="lab_san_RemunerationCommitteeChairmanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AppointmentsCommitteeMember_019ca0fb-c94e-74b6-950e-e02d2dd3cae1_terseLabel_en-US" xlink:label="lab_san_AppointmentsCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Members of the appointments committee</link:label>
    <link:label id="lab_san_AppointmentsCommitteeMember_019ca0fb-c94e-7f0d-bb34-6bccc4f47571_verboseLabel_en-US" xlink:label="lab_san_AppointmentsCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Nomination committee</link:label>
    <link:label id="lab_san_AppointmentsCommitteeMember_label_en-US" xlink:label="lab_san_AppointmentsCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Appointments Committee [Member]</link:label>
    <link:label id="lab_san_AppointmentsCommitteeMember_documentation_en-US" xlink:label="lab_san_AppointmentsCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for those persons serving as members of the appointments committee of the board of directors.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AppointmentsCommitteeMember" xlink:href="san-20251231.xsd#san_AppointmentsCommitteeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AppointmentsCommitteeMember" xlink:to="lab_san_AppointmentsCommitteeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_UnobservableInputsDomain_019ca0fb-cb6b-7a03-948c-ff03d4dff34d_terseLabel_en-US" xlink:label="lab_ifrs-full_UnobservableInputsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unobservable inputs [domain]</link:label>
    <link:label id="lab_ifrs-full_UnobservableInputsDomain_label_en-US" xlink:label="lab_ifrs-full_UnobservableInputsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unobservable inputs [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_UnobservableInputsDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_UnobservableInputsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_UnobservableInputsDomain" xlink:to="lab_ifrs-full_UnobservableInputsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_HedgedItemLiabilities_019ca0fb-c94e-7804-857a-0c53b706a6e7_terseLabel_en-US" xlink:label="lab_ifrs-full_HedgedItemLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying amount of hedged items - Liabilities</link:label>
    <link:label id="lab_ifrs-full_HedgedItemLiabilities_label_en-US" xlink:label="lab_ifrs-full_HedgedItemLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedged item, liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_HedgedItemLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_HedgedItemLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_HedgedItemLiabilities" xlink:to="lab_ifrs-full_HedgedItemLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits_019ca0fb-c94e-7660-8b3a-ce7915a4fd8d_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred variable in instruments</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Deferred Share-Based Short-Term Employee Benefits</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of deferred share-based compensation to key management personnel in the form of short-term employee benefits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits" xlink:to="lab_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InsuranceContractsIssuedThatAreLiabilities_019ca0fb-cbee-7940-b10a-fb25ff2c1b68_terseLabel_en-US" xlink:label="lab_ifrs-full_InsuranceContractsIssuedThatAreLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LIABILITIES UNDER INSURANCE CONTRACTS</link:label>
    <link:label id="lab_ifrs-full_InsuranceContractsIssuedThatAreLiabilities_019ca0fb-cbee-7844-944b-f2230df9948e_verboseLabel_en-US" xlink:label="lab_ifrs-full_InsuranceContractsIssuedThatAreLiabilities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Liabilities under insurance contracts</link:label>
    <link:label id="lab_ifrs-full_InsuranceContractsIssuedThatAreLiabilities_019ca0fb-cbee-7c3a-8a78-279b03c4de26_netLabel_en-US" xlink:label="lab_ifrs-full_InsuranceContractsIssuedThatAreLiabilities" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Liabilities under insurance contracts</link:label>
    <link:label id="lab_ifrs-full_InsuranceContractsIssuedThatAreLiabilities_label_en-US" xlink:label="lab_ifrs-full_InsuranceContractsIssuedThatAreLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance contracts issued that are liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InsuranceContractsIssuedThatAreLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InsuranceContractsIssuedThatAreLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InsuranceContractsIssuedThatAreLiabilities" xlink:to="lab_ifrs-full_InsuranceContractsIssuedThatAreLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BaseScenarioMember_019ca0fb-cb6b-714f-b2e9-ca7b54cf673a_terseLabel_en-US" xlink:label="lab_san_BaseScenarioMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Base scenario</link:label>
    <link:label id="lab_san_BaseScenarioMember_label_en-US" xlink:label="lab_san_BaseScenarioMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Base Scenario [Member]</link:label>
    <link:label id="lab_san_BaseScenarioMember_documentation_en-US" xlink:label="lab_san_BaseScenarioMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to base scenario.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BaseScenarioMember" xlink:href="san-20251231.xsd#san_BaseScenarioMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BaseScenarioMember" xlink:to="lab_san_BaseScenarioMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InsuranceContractsByComponentsAxis_019ca0fb-cbee-7aa9-8a32-2c6a6e779a84_terseLabel_en-US" xlink:label="lab_ifrs-full_InsuranceContractsByComponentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurance contracts by components [axis]</link:label>
    <link:label id="lab_ifrs-full_InsuranceContractsByComponentsAxis_label_en-US" xlink:label="lab_ifrs-full_InsuranceContractsByComponentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance contracts by components [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InsuranceContractsByComponentsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InsuranceContractsByComponentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InsuranceContractsByComponentsAxis" xlink:to="lab_ifrs-full_InsuranceContractsByComponentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BrokerageFeeIncomeSecuritiesUnderwritingAndPlacement_019ca0fb-cc70-7af5-87c9-8f90926ae779_terseLabel_en-US" xlink:label="lab_san_BrokerageFeeIncomeSecuritiesUnderwritingAndPlacement" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities underwriting and placement</link:label>
    <link:label id="lab_san_BrokerageFeeIncomeSecuritiesUnderwritingAndPlacement_label_en-US" xlink:label="lab_san_BrokerageFeeIncomeSecuritiesUnderwritingAndPlacement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Brokerage Fee Income Securities Underwriting And Placement</link:label>
    <link:label id="lab_san_BrokerageFeeIncomeSecuritiesUnderwritingAndPlacement_documentation_en-US" xlink:label="lab_san_BrokerageFeeIncomeSecuritiesUnderwritingAndPlacement" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of income recognised for brokerage fees charged by the entity from underwriting and placement of securities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BrokerageFeeIncomeSecuritiesUnderwritingAndPlacement" xlink:href="san-20251231.xsd#san_BrokerageFeeIncomeSecuritiesUnderwritingAndPlacement"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BrokerageFeeIncomeSecuritiesUnderwritingAndPlacement" xlink:to="lab_san_BrokerageFeeIncomeSecuritiesUnderwritingAndPlacement" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld_019ca0fb-ca4e-7166-9cbb-fad77d3a9fc8_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Balances held under the welfare system</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Defined Contribution Plan, Balances Held</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The balances held by key management personnel in defined contribution plan.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld" xlink:to="lab_san_KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfShortPositionsTableTextBlock_019ca0fb-cad3-71a8-9776-3895bca483dd_terseLabel_en-US" xlink:label="lab_san_DisclosureOfShortPositionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of short positions</link:label>
    <link:label id="lab_san_DisclosureOfShortPositionsTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfShortPositionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Short Positions [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfShortPositionsTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfShortPositionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of short positions (liabilities).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfShortPositionsTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfShortPositionsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfShortPositionsTableTextBlock" xlink:to="lab_san_DisclosureOfShortPositionsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome_019ca0fb-cbee-76b2-99ac-6b4b3fd0333d_terseLabel_en-US" xlink:label="lab_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments in equity instruments designated at fair value through other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:to="lab_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SensitivityAnalysisDiscountRateAdjustmentDecrease_019ca0fb-cad3-732b-8979-94de187621e4_terseLabel_en-US" xlink:label="lab_san_SensitivityAnalysisDiscountRateAdjustmentDecrease" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sensitivity analysis, discount rate adjustment, decrease (in basis points)</link:label>
    <link:label id="lab_san_SensitivityAnalysisDiscountRateAdjustmentDecrease_label_en-US" xlink:label="lab_san_SensitivityAnalysisDiscountRateAdjustmentDecrease" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis, Discount Rate Adjustment, Decrease</link:label>
    <link:label id="lab_san_SensitivityAnalysisDiscountRateAdjustmentDecrease_documentation_en-US" xlink:label="lab_san_SensitivityAnalysisDiscountRateAdjustmentDecrease" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis, Discount Rate Adjustment, Decrease</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SensitivityAnalysisDiscountRateAdjustmentDecrease" xlink:href="san-20251231.xsd#san_SensitivityAnalysisDiscountRateAdjustmentDecrease"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SensitivityAnalysisDiscountRateAdjustmentDecrease" xlink:to="lab_san_SensitivityAnalysisDiscountRateAdjustmentDecrease" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForeignCurrencyExchangeRateChangeInAverageRateAsPercent_019ca0fb-cbee-755c-8b08-5a56b842b79b_terseLabel_en-US" xlink:label="lab_san_ForeignCurrencyExchangeRateChangeInAverageRateAsPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in average foreign currency exchange rate (as a percent)</link:label>
    <link:label id="lab_san_ForeignCurrencyExchangeRateChangeInAverageRateAsPercent_label_en-US" xlink:label="lab_san_ForeignCurrencyExchangeRateChangeInAverageRateAsPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign Currency Exchange Rate, Change In Average Rate, As A Percent</link:label>
    <link:label id="lab_san_ForeignCurrencyExchangeRateChangeInAverageRateAsPercent_documentation_en-US" xlink:label="lab_san_ForeignCurrencyExchangeRateChangeInAverageRateAsPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage change in the average foreign currency exchange rate.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForeignCurrencyExchangeRateChangeInAverageRateAsPercent" xlink:href="san-20251231.xsd#san_ForeignCurrencyExchangeRateChangeInAverageRateAsPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForeignCurrencyExchangeRateChangeInAverageRateAsPercent" xlink:to="lab_san_ForeignCurrencyExchangeRateChangeInAverageRateAsPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProceedsFromSaleOrIssueOfTreasuryShares_019ca0fb-cad3-7423-b875-f2fd16c35739_terseLabel_en-US" xlink:label="lab_ifrs-full_ProceedsFromSaleOrIssueOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disposal of own equity instruments</link:label>
    <link:label id="lab_ifrs-full_ProceedsFromSaleOrIssueOfTreasuryShares_label_en-US" xlink:label="lab_ifrs-full_ProceedsFromSaleOrIssueOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from sale or issue of treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProceedsFromSaleOrIssueOfTreasuryShares" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProceedsFromSaleOrIssueOfTreasuryShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProceedsFromSaleOrIssueOfTreasuryShares" xlink:to="lab_ifrs-full_ProceedsFromSaleOrIssueOfTreasuryShares" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MemorandumItems_019ca0fb-c94e-7b3d-a3fd-f1714ba1e900_terseLabel_en-US" xlink:label="lab_san_MemorandumItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Memorandum items</link:label>
    <link:label id="lab_san_MemorandumItems_label_en-US" xlink:label="lab_san_MemorandumItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Memorandum Items</link:label>
    <link:label id="lab_san_MemorandumItems_documentation_en-US" xlink:label="lab_san_MemorandumItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Memorandum Items</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MemorandumItems" xlink:href="san-20251231.xsd#san_MemorandumItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MemorandumItems" xlink:to="lab_san_MemorandumItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate_019ca0fb-c9cd-7654-a56c-331f75557a7f_terseLabel_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in provision assuming 100bp decrease in GDP growth rate (as a percent)</link:label>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate_label_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percent Change In Provision Assuming 100 Basis Point Decrease In GDP Growth Rate</link:label>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate_documentation_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percent Change In Provision Assuming 100 Basis Point Decrease In GDP Growth Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" xlink:href="san-20251231.xsd#san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" xlink:to="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LendingCreditRiskPercentageOfGroup_019ca0fb-cbee-7d18-b135-badba9ecf8b3_terseLabel_en-US" xlink:label="lab_san_LendingCreditRiskPercentageOfGroup" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lending, credit risk percentage of group</link:label>
    <link:label id="lab_san_LendingCreditRiskPercentageOfGroup_label_en-US" xlink:label="lab_san_LendingCreditRiskPercentageOfGroup" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lending, Credit Risk Percentage Of Group</link:label>
    <link:label id="lab_san_LendingCreditRiskPercentageOfGroup_documentation_en-US" xlink:label="lab_san_LendingCreditRiskPercentageOfGroup" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Lending, Credit Risk Percentage Of Group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LendingCreditRiskPercentageOfGroup" xlink:href="san-20251231.xsd#san_LendingCreditRiskPercentageOfGroup"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LendingCreditRiskPercentageOfGroup" xlink:to="lab_san_LendingCreditRiskPercentageOfGroup" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfMacroeconomicScenariosTableTextBlock_019ca0fb-c9cd-7c24-8b39-ad59aa9e5bd5_terseLabel_en-US" xlink:label="lab_san_DisclosureOfMacroeconomicScenariosTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of evolution projection based on main macroeconomic indicators</link:label>
    <link:label id="lab_san_DisclosureOfMacroeconomicScenariosTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfMacroeconomicScenariosTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Macroeconomic Scenarios [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfMacroeconomicScenariosTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfMacroeconomicScenariosTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The tabular disclosure of macroeconomic scenarios.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfMacroeconomicScenariosTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfMacroeconomicScenariosTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfMacroeconomicScenariosTableTextBlock" xlink:to="lab_san_DisclosureOfMacroeconomicScenariosTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CommissionsOnSalesOfInsuranceAndFunds_019ca0fb-ca4e-774e-b41a-aa6cab6678e5_terseLabel_en-US" xlink:label="lab_san_CommissionsOnSalesOfInsuranceAndFunds" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sales of insurance and funds</link:label>
    <link:label id="lab_san_CommissionsOnSalesOfInsuranceAndFunds_label_en-US" xlink:label="lab_san_CommissionsOnSalesOfInsuranceAndFunds" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commissions On Sales Of Insurance And Funds</link:label>
    <link:label id="lab_san_CommissionsOnSalesOfInsuranceAndFunds_documentation_en-US" xlink:label="lab_san_CommissionsOnSalesOfInsuranceAndFunds" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Expense recognised for commissions incurred on sales of insurance and funds during the period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CommissionsOnSalesOfInsuranceAndFunds" xlink:href="san-20251231.xsd#san_CommissionsOnSalesOfInsuranceAndFunds"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CommissionsOnSalesOfInsuranceAndFunds" xlink:to="lab_san_CommissionsOnSalesOfInsuranceAndFunds" xlink:type="arc" order="1"/>
    <link:label id="lab_san_HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome_019ca0fb-cc70-7a4c-bfc5-e09558e21305_terseLabel_en-US" xlink:label="lab_san_HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Inefficiency of fair value hedges of equity instruments measured at fair value with changes in other comprehensive income</link:label>
    <link:label id="lab_san_HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome_label_en-US" xlink:label="lab_san_HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedge Ineffectiveness Measured At Fair Value Through Other Comprehensive Income</link:label>
    <link:label id="lab_san_HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome_documentation_en-US" xlink:label="lab_san_HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Hedge Ineffectiveness Measured At Fair Value Through Other Comprehensive Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:href="san-20251231.xsd#san_HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:to="lab_san_HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EburyPartnersLtdMember_019ca0fb-cb6b-76a7-8258-fcb3e08c377a_terseLabel_en-US" xlink:label="lab_san_EburyPartnersLtdMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ebury Partners Ltd</link:label>
    <link:label id="lab_san_EburyPartnersLtdMember_label_en-US" xlink:label="lab_san_EburyPartnersLtdMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Ebury Partners Ltd [Member]</link:label>
    <link:label id="lab_san_EburyPartnersLtdMember_documentation_en-US" xlink:label="lab_san_EburyPartnersLtdMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Ebury Partners Ltd</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EburyPartnersLtdMember" xlink:href="san-20251231.xsd#san_EburyPartnersLtdMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EburyPartnersLtdMember" xlink:to="lab_san_EburyPartnersLtdMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2023Member_019ca0fb-cb6b-7c60-9fb6-ef9998174aa7_terseLabel_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2023Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2023 variable remuneration</link:label>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2023Member_label_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2023Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Based Variable Remuneration Award 2023 [Member]</link:label>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2023Member_documentation_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2023Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share Based Variable Remuneration Award 2023</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ShareBasedVariableRemunerationAward2023Member" xlink:href="san-20251231.xsd#san_ShareBasedVariableRemunerationAward2023Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ShareBasedVariableRemunerationAward2023Member" xlink:to="lab_san_ShareBasedVariableRemunerationAward2023Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NetAssetsLiabilities_019ca0fb-ca4e-7677-854b-11959857f94f_totalLabel_en-US" xlink:label="lab_ifrs-full_NetAssetsLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net assets</link:label>
    <link:label id="lab_ifrs-full_NetAssetsLiabilities_label_en-US" xlink:label="lab_ifrs-full_NetAssetsLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets (liabilities)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NetAssetsLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NetAssetsLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NetAssetsLiabilities" xlink:to="lab_ifrs-full_NetAssetsLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_Level2And3OfFairValueHierarchyMember_019ca0fb-ca4e-7206-82c0-a3f83574a924_terseLabel_en-US" xlink:label="lab_ifrs-full_Level2And3OfFairValueHierarchyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Internal Models (level 2 and 3)</link:label>
    <link:label id="lab_ifrs-full_Level2And3OfFairValueHierarchyMember_label_en-US" xlink:label="lab_ifrs-full_Level2And3OfFairValueHierarchyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Level 2 and 3 of fair value hierarchy [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_Level2And3OfFairValueHierarchyMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_Level2And3OfFairValueHierarchyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_Level2And3OfFairValueHierarchyMember" xlink:to="lab_ifrs-full_Level2And3OfFairValueHierarchyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedIssueUSTRateTerm_019ca0fb-cb6b-7636-94dc-fba8d9d9cf91_terseLabel_en-US" xlink:label="lab_san_SubordinatedIssueUSTRateTerm" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated issue, UST rate term</link:label>
    <link:label id="lab_san_SubordinatedIssueUSTRateTerm_label_en-US" xlink:label="lab_san_SubordinatedIssueUSTRateTerm" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Issue, UST Rate Term</link:label>
    <link:label id="lab_san_SubordinatedIssueUSTRateTerm_documentation_en-US" xlink:label="lab_san_SubordinatedIssueUSTRateTerm" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Issue, UST Rate Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedIssueUSTRateTerm" xlink:href="san-20251231.xsd#san_SubordinatedIssueUSTRateTerm"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedIssueUSTRateTerm" xlink:to="lab_san_SubordinatedIssueUSTRateTerm" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfOtherFinancialLiabilitiesTextBlock_019ca0fb-cc70-75ed-97b6-bf86f70bceeb_terseLabel_en-US" xlink:label="lab_san_DisclosureOfOtherFinancialLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other financial liabilities</link:label>
    <link:label id="lab_san_DisclosureOfOtherFinancialLiabilitiesTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfOtherFinancialLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Other Financial Liabilities [Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfOtherFinancialLiabilitiesTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfOtherFinancialLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of other financial liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfOtherFinancialLiabilitiesTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfOtherFinancialLiabilitiesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfOtherFinancialLiabilitiesTextBlock" xlink:to="lab_san_DisclosureOfOtherFinancialLiabilitiesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossOtherNonFinancialAssetsNet_019ca0fb-c94e-7f4a-a27f-cecb5fb39d0b_negatedLabel_en-US" xlink:label="lab_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossOtherNonFinancialAssetsNet" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Others</link:label>
    <link:label id="lab_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossOtherNonFinancialAssetsNet_label_en-US" xlink:label="lab_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossOtherNonFinancialAssetsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment Loss Or Reversal Of Impairment Recognised In Profit Or Loss Other Non-Financial Assets, Net</link:label>
    <link:label id="lab_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossOtherNonFinancialAssetsNet_documentation_en-US" xlink:label="lab_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossOtherNonFinancialAssetsNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net amount of impairment or reversal of impairment recognised in profit or loss on other non-financial assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossOtherNonFinancialAssetsNet" xlink:href="san-20251231.xsd#san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossOtherNonFinancialAssetsNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossOtherNonFinancialAssetsNet" xlink:to="lab_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossOtherNonFinancialAssetsNet" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfLiquidityCoverageRatioByComponentTableTextBlock_019ca0fb-ca4e-7de8-95e1-0d8d820e6a78_terseLabel_en-US" xlink:label="lab_san_DisclosureOfLiquidityCoverageRatioByComponentTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of liquidity coverage ratio by component</link:label>
    <link:label id="lab_san_DisclosureOfLiquidityCoverageRatioByComponentTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfLiquidityCoverageRatioByComponentTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Liquidity Coverage Ratio By Component [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfLiquidityCoverageRatioByComponentTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfLiquidityCoverageRatioByComponentTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Liquidity Coverage Ratio By Component</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfLiquidityCoverageRatioByComponentTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfLiquidityCoverageRatioByComponentTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfLiquidityCoverageRatioByComponentTableTextBlock" xlink:to="lab_san_DisclosureOfLiquidityCoverageRatioByComponentTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInNovember2023Member_019ca0fb-cbee-72e5-be48-7db9591af6c6_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInNovember2023Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance by Banco Santander S.A. in November 2023</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInNovember2023Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInNovember2023Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In November 2023 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInNovember2023Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInNovember2023Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In November 2023</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderSAInNovember2023Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderSAInNovember2023Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderSAInNovember2023Member" xlink:to="lab_san_IssuanceByBancoSantanderSAInNovember2023Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdditionalRecognitionGoodwill_019ca0fb-c9cd-7c2b-8f91-1dfe7ffd6708_terseLabel_en-US" xlink:label="lab_ifrs-full_AdditionalRecognitionGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additions</link:label>
    <link:label id="lab_ifrs-full_AdditionalRecognitionGoodwill_label_en-US" xlink:label="lab_ifrs-full_AdditionalRecognitionGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional recognition, goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdditionalRecognitionGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AdditionalRecognitionGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdditionalRecognitionGoodwill" xlink:to="lab_ifrs-full_AdditionalRecognitionGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DerivativeFinancialInstrumentsRelatedPartyTransactions_019ca0fb-cb6b-7447-91af-503503d48259_terseLabel_en-US" xlink:label="lab_san_DerivativeFinancialInstrumentsRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative financial instruments</link:label>
    <link:label id="lab_san_DerivativeFinancialInstrumentsRelatedPartyTransactions_label_en-US" xlink:label="lab_san_DerivativeFinancialInstrumentsRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Financial Instruments Related Party Transactions</link:label>
    <link:label id="lab_san_DerivativeFinancialInstrumentsRelatedPartyTransactions_documentation_en-US" xlink:label="lab_san_DerivativeFinancialInstrumentsRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The derivative financial instruments resulting from related party transactions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DerivativeFinancialInstrumentsRelatedPartyTransactions" xlink:href="san-20251231.xsd#san_DerivativeFinancialInstrumentsRelatedPartyTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DerivativeFinancialInstrumentsRelatedPartyTransactions" xlink:to="lab_san_DerivativeFinancialInstrumentsRelatedPartyTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PrivateFixedIncomeDebtSecuritiesMember_019ca0fb-cbee-7ffa-9cd4-a16dad1cda8a_terseLabel_en-US" xlink:label="lab_san_PrivateFixedIncomeDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private fixed income</link:label>
    <link:label id="lab_san_PrivateFixedIncomeDebtSecuritiesMember_label_en-US" xlink:label="lab_san_PrivateFixedIncomeDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Private Fixed Income Debt Securities [Member]</link:label>
    <link:label id="lab_san_PrivateFixedIncomeDebtSecuritiesMember_documentation_en-US" xlink:label="lab_san_PrivateFixedIncomeDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Private Fixed Income Debt Securities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PrivateFixedIncomeDebtSecuritiesMember" xlink:href="san-20251231.xsd#san_PrivateFixedIncomeDebtSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PrivateFixedIncomeDebtSecuritiesMember" xlink:to="lab_san_PrivateFixedIncomeDebtSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InJuly2025Member_019ca0fb-cbee-79fe-9fac-338565f72e45_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InJuly2025Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Santander, S.A., July 2025</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InJuly2025Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InJuly2025Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In July 2025 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InJuly2025Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InJuly2025Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In July 2025</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderS.A.InJuly2025Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderS.A.InJuly2025Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderS.A.InJuly2025Member" xlink:to="lab_san_IssuanceByBancoSantanderS.A.InJuly2025Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValue_019ca0fb-cbee-7084-b260-5b3e95971b56_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets, at fair value</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValue_019ca0fb-cbee-77d9-bf7b-a3972eb9b856_periodEndLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValue" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Assets at beginning of period</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValue_019ca0fb-cbee-7a39-9db6-5cf2d4cab78b_periodStartLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValue" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Assets at end of period</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValue_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets, at fair value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsAtFairValue" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialAssetsAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsAtFairValue" xlink:to="lab_ifrs-full_FinancialAssetsAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_RangeMember_019ca0fb-ca4e-761c-b39a-657103782ab8_terseLabel_en-US" xlink:label="lab_srt_RangeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statistical Measurement [Domain]</link:label>
    <link:label id="lab_srt_RangeMember_label_en-US" xlink:label="lab_srt_RangeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statistical Measurement [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RangeMember" xlink:to="lab_srt_RangeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_Collateral1Domain_019ca0fb-c9cd-75dc-b0be-5a88e9720806_terseLabel_en-US" xlink:label="lab_san_Collateral1Domain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateral [Domain]</link:label>
    <link:label id="lab_san_Collateral1Domain_label_en-US" xlink:label="lab_san_Collateral1Domain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateral1 [Domain]</link:label>
    <link:label id="lab_san_Collateral1Domain_documentation_en-US" xlink:label="lab_san_Collateral1Domain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Collateral1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_Collateral1Domain" xlink:href="san-20251231.xsd#san_Collateral1Domain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_Collateral1Domain" xlink:to="lab_san_Collateral1Domain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForReinsuranceExplanatory_019ca0fb-c9cd-7f11-9180-ae55a468887b_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForReinsuranceExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets under insurance or reinsurance contracts and Liabilities under insurance or reinsurance contracts</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForReinsuranceExplanatory_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForReinsuranceExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description of accounting policy for reinsurance [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfAccountingPolicyForReinsuranceExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfAccountingPolicyForReinsuranceExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfAccountingPolicyForReinsuranceExplanatory" xlink:to="lab_ifrs-full_DescriptionOfAccountingPolicyForReinsuranceExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReserveOfRemeasurementsOfDefinedBenefitPlans_019ca0fb-cbee-78e3-b69a-8558bd1626c4_terseLabel_en-US" xlink:label="lab_ifrs-full_ReserveOfRemeasurementsOfDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actuarial gains and losses on defined benefit pension plans</link:label>
    <link:label id="lab_ifrs-full_ReserveOfRemeasurementsOfDefinedBenefitPlans_label_en-US" xlink:label="lab_ifrs-full_ReserveOfRemeasurementsOfDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reserve of remeasurements of defined benefit plans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReserveOfRemeasurementsOfDefinedBenefitPlans" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ReserveOfRemeasurementsOfDefinedBenefitPlans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReserveOfRemeasurementsOfDefinedBenefitPlans" xlink:to="lab_ifrs-full_ReserveOfRemeasurementsOfDefinedBenefitPlans" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseInResidentialMortgageCreditRiskPercentage_019ca0fb-cb6b-74c0-9f38-137385e1e389_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseInResidentialMortgageCreditRiskPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) in residential mortgage credit risk (in percentage)</link:label>
    <link:label id="lab_san_IncreaseDecreaseInResidentialMortgageCreditRiskPercentage_label_en-US" xlink:label="lab_san_IncreaseDecreaseInResidentialMortgageCreditRiskPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Residential Mortgage Credit Risk, Percentage</link:label>
    <link:label id="lab_san_IncreaseDecreaseInResidentialMortgageCreditRiskPercentage_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseInResidentialMortgageCreditRiskPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Residential Mortgage Credit Risk, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseInResidentialMortgageCreditRiskPercentage" xlink:href="san-20251231.xsd#san_IncreaseDecreaseInResidentialMortgageCreditRiskPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseInResidentialMortgageCreditRiskPercentage" xlink:to="lab_san_IncreaseDecreaseInResidentialMortgageCreditRiskPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_san_A2025And2026ProgramMember_019ca0fb-c94e-7364-8e3e-e2f5ddaf2d08_terseLabel_en-US" xlink:label="lab_san_A2025And2026ProgramMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2025 And 2026 Program</link:label>
    <link:label id="lab_san_A2025And2026ProgramMember_label_en-US" xlink:label="lab_san_A2025And2026ProgramMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">2025 And 2026 Program [Member]</link:label>
    <link:label id="lab_san_A2025And2026ProgramMember_documentation_en-US" xlink:label="lab_san_A2025And2026ProgramMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">2025 And 2026 Program</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_A2025And2026ProgramMember" xlink:href="san-20251231.xsd#san_A2025And2026ProgramMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_A2025And2026ProgramMember" xlink:to="lab_san_A2025And2026ProgramMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset_019ca0fb-ca4e-7b43-930e-bf5189eb536c_verboseLabel_en-US" xlink:label="lab_ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Current service cost</link:label>
    <link:label id="lab_ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase in net defined benefit liability (asset) resulting from current service cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherIncreaseDecreaseInFairValueMeasurementAssets_019ca0fb-c94e-7028-93db-f186b1468cfb_terseLabel_en-US" xlink:label="lab_san_OtherIncreaseDecreaseInFairValueMeasurementAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_san_OtherIncreaseDecreaseInFairValueMeasurementAssets_label_en-US" xlink:label="lab_san_OtherIncreaseDecreaseInFairValueMeasurementAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Increase (Decrease) In Fair Value Measurement, Assets</link:label>
    <link:label id="lab_san_OtherIncreaseDecreaseInFairValueMeasurementAssets_documentation_en-US" xlink:label="lab_san_OtherIncreaseDecreaseInFairValueMeasurementAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) in the fair value measurement of assets that the entity does not separately disclose in the same statement or note.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherIncreaseDecreaseInFairValueMeasurementAssets" xlink:href="san-20251231.xsd#san_OtherIncreaseDecreaseInFairValueMeasurementAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherIncreaseDecreaseInFairValueMeasurementAssets" xlink:to="lab_san_OtherIncreaseDecreaseInFairValueMeasurementAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ImpairmentLossReversalOfImpairmentRecognisedInProfitOrLossNonFinancialAssetsNet_019ca0fb-cbee-7cc9-8f15-fd6c25261e87_negatedTotalLabel_en-US" xlink:label="lab_san_ImpairmentLossReversalOfImpairmentRecognisedInProfitOrLossNonFinancialAssetsNet" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Impairment or reversal of impairment on non-financial assets, net</link:label>
    <link:label id="lab_san_ImpairmentLossReversalOfImpairmentRecognisedInProfitOrLossNonFinancialAssetsNet_label_en-US" xlink:label="lab_san_ImpairmentLossReversalOfImpairmentRecognisedInProfitOrLossNonFinancialAssetsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment Loss Reversal Of Impairment Recognised In Profit Or Loss Non-Financial Assets, Net</link:label>
    <link:label id="lab_san_ImpairmentLossReversalOfImpairmentRecognisedInProfitOrLossNonFinancialAssetsNet_documentation_en-US" xlink:label="lab_san_ImpairmentLossReversalOfImpairmentRecognisedInProfitOrLossNonFinancialAssetsNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net amount of impairment loss and reversal of impairment recognised in profit or loss on non-financial assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ImpairmentLossReversalOfImpairmentRecognisedInProfitOrLossNonFinancialAssetsNet" xlink:href="san-20251231.xsd#san_ImpairmentLossReversalOfImpairmentRecognisedInProfitOrLossNonFinancialAssetsNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ImpairmentLossReversalOfImpairmentRecognisedInProfitOrLossNonFinancialAssetsNet" xlink:to="lab_san_ImpairmentLossReversalOfImpairmentRecognisedInProfitOrLossNonFinancialAssetsNet" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedIssueInitialInterestRateTerm_019ca0fb-cad3-794d-847a-871be8558e4d_terseLabel_en-US" xlink:label="lab_san_SubordinatedIssueInitialInterestRateTerm" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated issue, initial interest rate term</link:label>
    <link:label id="lab_san_SubordinatedIssueInitialInterestRateTerm_label_en-US" xlink:label="lab_san_SubordinatedIssueInitialInterestRateTerm" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Issue, Initial Interest Rate Term</link:label>
    <link:label id="lab_san_SubordinatedIssueInitialInterestRateTerm_documentation_en-US" xlink:label="lab_san_SubordinatedIssueInitialInterestRateTerm" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The initial interest rate term of the subordinated issue.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedIssueInitialInterestRateTerm" xlink:href="san-20251231.xsd#san_SubordinatedIssueInitialInterestRateTerm"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedIssueInitialInterestRateTerm" xlink:to="lab_san_SubordinatedIssueInitialInterestRateTerm" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedLiabilitiesPreferredSecuritiesMember_019ca0fb-cb6b-7ff9-be1e-970b1d511663_terseLabel_en-US" xlink:label="lab_san_SubordinatedLiabilitiesPreferredSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated liabilities, preferred securities</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesPreferredSecuritiesMember_label_en-US" xlink:label="lab_san_SubordinatedLiabilitiesPreferredSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Liabilities, Preferred Securities [Member]</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesPreferredSecuritiesMember_documentation_en-US" xlink:label="lab_san_SubordinatedLiabilitiesPreferredSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Preferred securities classified as subordinated liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedLiabilitiesPreferredSecuritiesMember" xlink:href="san-20251231.xsd#san_SubordinatedLiabilitiesPreferredSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedLiabilitiesPreferredSecuritiesMember" xlink:to="lab_san_SubordinatedLiabilitiesPreferredSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NorwayKroneAndEuroMember_019ca0fb-c9cd-7aea-81f2-383915ac263d_terseLabel_en-US" xlink:label="lab_san_NorwayKroneAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">NOK/EUR</link:label>
    <link:label id="lab_san_NorwayKroneAndEuroMember_label_en-US" xlink:label="lab_san_NorwayKroneAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Norway, Krone And Euro [Member]</link:label>
    <link:label id="lab_san_NorwayKroneAndEuroMember_documentation_en-US" xlink:label="lab_san_NorwayKroneAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Norway, Krone And Euro</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NorwayKroneAndEuroMember" xlink:href="san-20251231.xsd#san_NorwayKroneAndEuroMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NorwayKroneAndEuroMember" xlink:to="lab_san_NorwayKroneAndEuroMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill_019ca0fb-cb6b-7b2c-8403-5765818c401d_terseLabel_en-US" xlink:label="lab_ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Useful life measured as period of time, intangible assets other than goodwill</link:label>
    <link:label id="lab_ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill_label_en-US" xlink:label="lab_ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Useful life measured as period of time, intangible assets other than goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill" xlink:to="lab_ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate_019ca0fb-cbee-7f62-af8e-1ad0bfe1c596_terseLabel_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in provision assuming 100bp increase in housing price change rate (as a percent)</link:label>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate_label_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percent Change In Provision Assuming 100 Basis Point Increase In Housing Price Change Rate</link:label>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate_documentation_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percent Change In Provision Assuming 100 Basis Point Increase In Housing Price Change Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate" xlink:href="san-20251231.xsd#san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate" xlink:to="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NumberOfShareOptionsExercisedInSharebasedPaymentArrangement_019ca0fb-cbee-7680-9426-9c232c69f056_negatedLabel_en-US" xlink:label="lab_ifrs-full_NumberOfShareOptionsExercisedInSharebasedPaymentArrangement" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Options exercised (in shares)</link:label>
    <link:label id="lab_ifrs-full_NumberOfShareOptionsExercisedInSharebasedPaymentArrangement_label_en-US" xlink:label="lab_ifrs-full_NumberOfShareOptionsExercisedInSharebasedPaymentArrangement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number of share options exercised in share-based payment arrangement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NumberOfShareOptionsExercisedInSharebasedPaymentArrangement" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NumberOfShareOptionsExercisedInSharebasedPaymentArrangement"/>
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    <link:label id="lab_san_SantanderInvestmentSAMember_019ca0fb-cbee-7237-845b-ecb6bfadb04a_terseLabel_en-US" xlink:label="lab_san_SantanderInvestmentSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Investment, S.A.</link:label>
    <link:label id="lab_san_SantanderInvestmentSAMember_label_en-US" xlink:label="lab_san_SantanderInvestmentSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Investment SA [Member]</link:label>
    <link:label id="lab_san_SantanderInvestmentSAMember_documentation_en-US" xlink:label="lab_san_SantanderInvestmentSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Santander Investment, S.A., a subsidiary of the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderInvestmentSAMember" xlink:href="san-20251231.xsd#san_SantanderInvestmentSAMember"/>
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    <link:label id="lab_san_DefinedBenefitObligationPensionableBasePercentageOfBasis_019ca0fb-cad3-72cb-8085-c31c2c270990_terseLabel_en-US" xlink:label="lab_san_DefinedBenefitObligationPensionableBasePercentageOfBasis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pensionable base, expressed as a percent of fixed, percentage</link:label>
    <link:label id="lab_san_DefinedBenefitObligationPensionableBasePercentageOfBasis_label_en-US" xlink:label="lab_san_DefinedBenefitObligationPensionableBasePercentageOfBasis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Obligation, Pensionable Base, Percentage Of Basis</link:label>
    <link:label id="lab_san_DefinedBenefitObligationPensionableBasePercentageOfBasis_documentation_en-US" xlink:label="lab_san_DefinedBenefitObligationPensionableBasePercentageOfBasis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Obligation, Pensionable Base, Percentage Of Basis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DefinedBenefitObligationPensionableBasePercentageOfBasis" xlink:href="san-20251231.xsd#san_DefinedBenefitObligationPensionableBasePercentageOfBasis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DefinedBenefitObligationPensionableBasePercentageOfBasis" xlink:to="lab_san_DefinedBenefitObligationPensionableBasePercentageOfBasis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RemunerationAndOtherBenefitsPaidToTheBanksDirectorsAndSeniorManagersAbstract_019ca0fb-cad3-76a1-a168-e31fdfc2f7f8_terseLabel_en-US" xlink:label="lab_san_RemunerationAndOtherBenefitsPaidToTheBanksDirectorsAndSeniorManagersAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Remuneration and other benefits paid to the Bank's directors and senior managers</link:label>
    <link:label id="lab_san_RemunerationAndOtherBenefitsPaidToTheBanksDirectorsAndSeniorManagersAbstract_label_en-US" xlink:label="lab_san_RemunerationAndOtherBenefitsPaidToTheBanksDirectorsAndSeniorManagersAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Remuneration And Other Benefits Paid To The Bank's Directors And Senior Managers [Abstract]</link:label>
    <link:label id="lab_san_RemunerationAndOtherBenefitsPaidToTheBanksDirectorsAndSeniorManagersAbstract_documentation_en-US" xlink:label="lab_san_RemunerationAndOtherBenefitsPaidToTheBanksDirectorsAndSeniorManagersAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">No definition available.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RemunerationAndOtherBenefitsPaidToTheBanksDirectorsAndSeniorManagersAbstract" xlink:href="san-20251231.xsd#san_RemunerationAndOtherBenefitsPaidToTheBanksDirectorsAndSeniorManagersAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RemunerationAndOtherBenefitsPaidToTheBanksDirectorsAndSeniorManagersAbstract" xlink:to="lab_san_RemunerationAndOtherBenefitsPaidToTheBanksDirectorsAndSeniorManagersAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InsuranceContractsIssuedThatAreAssets_019ca0fb-ca4e-70c0-a471-2d8002ce5fa8_verboseLabel_en-US" xlink:label="lab_ifrs-full_InsuranceContractsIssuedThatAreAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Insurance contracts linked to pensions</link:label>
    <link:label id="lab_ifrs-full_InsuranceContractsIssuedThatAreAssets_019ca0fb-ca4e-7b5d-b759-ecb7c16b3793_terseLabel_en-US" xlink:label="lab_ifrs-full_InsuranceContractsIssuedThatAreAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurance contracts that are assets</link:label>
    <link:label id="lab_ifrs-full_InsuranceContractsIssuedThatAreAssets_label_en-US" xlink:label="lab_ifrs-full_InsuranceContractsIssuedThatAreAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance contracts issued that are assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InsuranceContractsIssuedThatAreAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InsuranceContractsIssuedThatAreAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InsuranceContractsIssuedThatAreAssets" xlink:to="lab_ifrs-full_InsuranceContractsIssuedThatAreAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfManagingLiquidityRisk_019ca0fb-cad3-79c7-a3b2-636ddd2f4999_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfManagingLiquidityRisk" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of on and off-balance sheet assets provided as security in transactions to obtain liquidity</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfManagingLiquidityRisk_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfManagingLiquidityRisk" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of how entity manages liquidity risk [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfManagingLiquidityRisk" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfManagingLiquidityRisk"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfManagingLiquidityRisk" xlink:to="lab_ifrs-full_DescriptionOfManagingLiquidityRisk" xlink:type="arc" order="1"/>
    <link:label id="lab_san_UnrecognisedDeferredTaxLiabilitiesTaxationThatWouldAriseFromUndistributedEarnings_019ca0fb-c9cd-7cae-876e-40dc539aa20f_terseLabel_en-US" xlink:label="lab_san_UnrecognisedDeferredTaxLiabilitiesTaxationThatWouldAriseFromUndistributedEarnings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrecognised, deferred tax liabilities</link:label>
    <link:label id="lab_san_UnrecognisedDeferredTaxLiabilitiesTaxationThatWouldAriseFromUndistributedEarnings_label_en-US" xlink:label="lab_san_UnrecognisedDeferredTaxLiabilitiesTaxationThatWouldAriseFromUndistributedEarnings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognised, Deferred Tax Liabilities, Taxation That Would Arise From Undistributed Earnings</link:label>
    <link:label id="lab_san_UnrecognisedDeferredTaxLiabilitiesTaxationThatWouldAriseFromUndistributedEarnings_documentation_en-US" xlink:label="lab_san_UnrecognisedDeferredTaxLiabilitiesTaxationThatWouldAriseFromUndistributedEarnings" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Unrecognised, Deferred Tax Liabilities, Taxation That Would Arise From Undistributed Earnings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_UnrecognisedDeferredTaxLiabilitiesTaxationThatWouldAriseFromUndistributedEarnings" xlink:href="san-20251231.xsd#san_UnrecognisedDeferredTaxLiabilitiesTaxationThatWouldAriseFromUndistributedEarnings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_UnrecognisedDeferredTaxLiabilitiesTaxationThatWouldAriseFromUndistributedEarnings" xlink:to="lab_san_UnrecognisedDeferredTaxLiabilitiesTaxationThatWouldAriseFromUndistributedEarnings" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfOffBalanceSheetFundsTableTextBlock_019ca0fb-cad3-7b95-97fc-cbaac8986655_terseLabel_en-US" xlink:label="lab_san_ScheduleOfOffBalanceSheetFundsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of off-balance sheet funds managed by the entity and joint ventures</link:label>
    <link:label id="lab_san_ScheduleOfOffBalanceSheetFundsTableTextBlock_label_en-US" xlink:label="lab_san_ScheduleOfOffBalanceSheetFundsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Off Balance Sheet Funds [Table Text Block]</link:label>
    <link:label id="lab_san_ScheduleOfOffBalanceSheetFundsTableTextBlock_documentation_en-US" xlink:label="lab_san_ScheduleOfOffBalanceSheetFundsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Schedule of off-balance sheet funds managed by the entity and joint ventures.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfOffBalanceSheetFundsTableTextBlock" xlink:href="san-20251231.xsd#san_ScheduleOfOffBalanceSheetFundsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfOffBalanceSheetFundsTableTextBlock" xlink:to="lab_san_ScheduleOfOffBalanceSheetFundsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset_019ca0fb-cc70-7811-85d8-03d8b6f89548_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net incorporation of companies into the Group</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset_019ca0fb-cc70-7fba-8512-07ef02466936_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Net incorporation of companies into the Group</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) in net defined benefit liability (asset) resulting from business combinations and disposals</link:label>
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    <link:label id="lab_san_FinanceCostRelatedPartyTransactions_019ca0fb-c9cd-7792-a8f3-9fd04effd007_negatedTerseLabel_en-US" xlink:label="lab_san_FinanceCostRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Interest expense</link:label>
    <link:label id="lab_san_FinanceCostRelatedPartyTransactions_label_en-US" xlink:label="lab_san_FinanceCostRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finance Cost, Related Party Transactions</link:label>
    <link:label id="lab_san_FinanceCostRelatedPartyTransactions_documentation_en-US" xlink:label="lab_san_FinanceCostRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of finance costs incurred by the entity in related party transactions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinanceCostRelatedPartyTransactions" xlink:href="san-20251231.xsd#san_FinanceCostRelatedPartyTransactions"/>
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    <link:label id="lab_san_PostEmploymentBenefitExpenseContributionToInsurancePolicies_019ca0fb-c9cd-75a6-b585-cbe12199989d_terseLabel_en-US" xlink:label="lab_san_PostEmploymentBenefitExpenseContributionToInsurancePolicies" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contribution to insurance policies</link:label>
    <link:label id="lab_san_PostEmploymentBenefitExpenseContributionToInsurancePolicies_label_en-US" xlink:label="lab_san_PostEmploymentBenefitExpenseContributionToInsurancePolicies" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Post Employment Benefit Expense Contribution To Insurance Policies</link:label>
    <link:label id="lab_san_PostEmploymentBenefitExpenseContributionToInsurancePolicies_documentation_en-US" xlink:label="lab_san_PostEmploymentBenefitExpenseContributionToInsurancePolicies" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of post-employment benefit expense relating to contribution to insurance policies.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PostEmploymentBenefitExpenseContributionToInsurancePolicies" xlink:href="san-20251231.xsd#san_PostEmploymentBenefitExpenseContributionToInsurancePolicies"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PostEmploymentBenefitExpenseContributionToInsurancePolicies" xlink:to="lab_san_PostEmploymentBenefitExpenseContributionToInsurancePolicies" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax_019ca0fb-c9cd-754e-acc6-cfd584832d87_terseLabel_en-US" xlink:label="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share of other recognised income and expense of investments</link:label>
    <link:label id="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax_label_en-US" xlink:label="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share of other comprehensive income of associates and joint ventures accounted for using equity method that will be reclassified to profit or loss, net of tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:to="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherEquityInterest_019ca0fb-cbee-7de7-ad1d-549c027f3849_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherEquityInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">OTHER EQUITY</link:label>
    <link:label id="lab_ifrs-full_OtherEquityInterest_019ca0fb-cbee-7bc4-ab94-1a5ea2032226_verboseLabel_en-US" xlink:label="lab_ifrs-full_OtherEquityInterest" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other equity interest</link:label>
    <link:label id="lab_ifrs-full_OtherEquityInterest_label_en-US" xlink:label="lab_ifrs-full_OtherEquityInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other equity interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherEquityInterest" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherEquityInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherEquityInterest" xlink:to="lab_ifrs-full_OtherEquityInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonControllingInterestsCommonEquityTierOneBasis_019ca0fb-ca4e-7065-82a8-60ab671c51be_verboseLabel_en-US" xlink:label="lab_san_NonControllingInterestsCommonEquityTierOneBasis" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Minority interests</link:label>
    <link:label id="lab_san_NonControllingInterestsCommonEquityTierOneBasis_label_en-US" xlink:label="lab_san_NonControllingInterestsCommonEquityTierOneBasis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Controlling Interests Common Equity Tier One Basis</link:label>
    <link:label id="lab_san_NonControllingInterestsCommonEquityTierOneBasis_documentation_en-US" xlink:label="lab_san_NonControllingInterestsCommonEquityTierOneBasis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of non-controlling interests required for computation of Common Equity Tier 1 (CET I) equity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonControllingInterestsCommonEquityTierOneBasis" xlink:href="san-20251231.xsd#san_NonControllingInterestsCommonEquityTierOneBasis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonControllingInterestsCommonEquityTierOneBasis" xlink:to="lab_san_NonControllingInterestsCommonEquityTierOneBasis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ClosingForeignExchangeRateAppliedHyperinflationaryEconomy_019ca0fb-ca4e-7f4f-9d4a-72c64cf2e706_terseLabel_en-US" xlink:label="lab_san_ClosingForeignExchangeRateAppliedHyperinflationaryEconomy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Closing foreign exchange rate, applied, hyperinflationary economy</link:label>
    <link:label id="lab_san_ClosingForeignExchangeRateAppliedHyperinflationaryEconomy_label_en-US" xlink:label="lab_san_ClosingForeignExchangeRateAppliedHyperinflationaryEconomy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Closing Foreign Exchange Rate, Applied, Hyperinflationary Economy</link:label>
    <link:label id="lab_san_ClosingForeignExchangeRateAppliedHyperinflationaryEconomy_documentation_en-US" xlink:label="lab_san_ClosingForeignExchangeRateAppliedHyperinflationaryEconomy" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Closing Foreign Exchange Rate, Applied, Hyperinflationary Economy</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ClosingForeignExchangeRateAppliedHyperinflationaryEconomy" xlink:href="san-20251231.xsd#san_ClosingForeignExchangeRateAppliedHyperinflationaryEconomy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ClosingForeignExchangeRateAppliedHyperinflationaryEconomy" xlink:to="lab_san_ClosingForeignExchangeRateAppliedHyperinflationaryEconomy" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill_019ca0fb-ca4e-746b-9d53-b9e9dff469cb_negatedLabel_en-US" xlink:label="lab_san_RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Goodwill and intangible assets</link:label>
    <link:label id="lab_san_RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill_label_en-US" xlink:label="lab_san_RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Regulatory Capital, Adjustment To Remove Intangible Assets And Goodwill</link:label>
    <link:label id="lab_san_RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill_documentation_en-US" xlink:label="lab_san_RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">ln calculation of regulatory capital, the adjustment to remove the applicable amount of intangible assets and goodwill as provided in the regulations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill" xlink:href="san-20251231.xsd#san_RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill" xlink:to="lab_san_RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EstimationOfExpectedLossesUnemploymentRate_019ca0fb-cc70-7eb2-87ad-451e127cf9f1_terseLabel_en-US" xlink:label="lab_san_EstimationOfExpectedLossesUnemploymentRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unemployment rate</link:label>
    <link:label id="lab_san_EstimationOfExpectedLossesUnemploymentRate_label_en-US" xlink:label="lab_san_EstimationOfExpectedLossesUnemploymentRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimation Of Expected Losses, Unemployment Rate</link:label>
    <link:label id="lab_san_EstimationOfExpectedLossesUnemploymentRate_documentation_en-US" xlink:label="lab_san_EstimationOfExpectedLossesUnemploymentRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the unemployment rate percentage in the estimation of expected credit losses.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EstimationOfExpectedLossesUnemploymentRate" xlink:href="san-20251231.xsd#san_EstimationOfExpectedLossesUnemploymentRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EstimationOfExpectedLossesUnemploymentRate" xlink:to="lab_san_EstimationOfExpectedLossesUnemploymentRate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NetOperatingIncomeExpenseSegmentReporting_019ca0fb-c94e-72d5-931c-6b708ef70859_totalLabel_en-US" xlink:label="lab_san_NetOperatingIncomeExpenseSegmentReporting" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net operating income</link:label>
    <link:label id="lab_san_NetOperatingIncomeExpenseSegmentReporting_label_en-US" xlink:label="lab_san_NetOperatingIncomeExpenseSegmentReporting" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Operating Income (Expense), Segment Reporting</link:label>
    <link:label id="lab_san_NetOperatingIncomeExpenseSegmentReporting_documentation_en-US" xlink:label="lab_san_NetOperatingIncomeExpenseSegmentReporting" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net Operating Income (Expense), Segment Reporting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NetOperatingIncomeExpenseSegmentReporting" xlink:href="san-20251231.xsd#san_NetOperatingIncomeExpenseSegmentReporting"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NetOperatingIncomeExpenseSegmentReporting" xlink:to="lab_san_NetOperatingIncomeExpenseSegmentReporting" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InterestIncomeOnFinancialAssetsOtherThanLoansAndAdvancesAndDebtInstruments_019ca0fb-cc70-739b-af56-d53e903436dc_terseLabel_en-US" xlink:label="lab_san_InterestIncomeOnFinancialAssetsOtherThanLoansAndAdvancesAndDebtInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other interest</link:label>
    <link:label id="lab_san_InterestIncomeOnFinancialAssetsOtherThanLoansAndAdvancesAndDebtInstruments_label_en-US" xlink:label="lab_san_InterestIncomeOnFinancialAssetsOtherThanLoansAndAdvancesAndDebtInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income On Financial Assets Other Than Loans And Advances And Debt Instruments</link:label>
    <link:label id="lab_san_InterestIncomeOnFinancialAssetsOtherThanLoansAndAdvancesAndDebtInstruments_documentation_en-US" xlink:label="lab_san_InterestIncomeOnFinancialAssetsOtherThanLoansAndAdvancesAndDebtInstruments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of interest income on financial assets other than loans and advances and debt instruments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InterestIncomeOnFinancialAssetsOtherThanLoansAndAdvancesAndDebtInstruments" xlink:href="san-20251231.xsd#san_InterestIncomeOnFinancialAssetsOtherThanLoansAndAdvancesAndDebtInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InterestIncomeOnFinancialAssetsOtherThanLoansAndAdvancesAndDebtInstruments" xlink:to="lab_san_InterestIncomeOnFinancialAssetsOtherThanLoansAndAdvancesAndDebtInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherReceivables_019ca0fb-cad3-7263-977b-8bae9ed98688_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherReceivables" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transactions in transit</link:label>
    <link:label id="lab_ifrs-full_OtherReceivables_label_en-US" xlink:label="lab_ifrs-full_OtherReceivables" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other receivables</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherReceivables" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherReceivables"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherReceivables" xlink:to="lab_ifrs-full_OtherReceivables" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AdministrativeExpensesDepreciationAndAmortisation_019ca0fb-c9cd-77ed-8334-6a8453daba7b_negatedTerseLabel_en-US" xlink:label="lab_san_AdministrativeExpensesDepreciationAndAmortisation" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Administrative expenses, depreciation and amortisation</link:label>
    <link:label id="lab_san_AdministrativeExpensesDepreciationAndAmortisation_label_en-US" xlink:label="lab_san_AdministrativeExpensesDepreciationAndAmortisation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Administrative Expenses, Depreciation And Amortisation</link:label>
    <link:label id="lab_san_AdministrativeExpensesDepreciationAndAmortisation_documentation_en-US" xlink:label="lab_san_AdministrativeExpensesDepreciationAndAmortisation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of administrative expense and depreciation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AdministrativeExpensesDepreciationAndAmortisation" xlink:href="san-20251231.xsd#san_AdministrativeExpensesDepreciationAndAmortisation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AdministrativeExpensesDepreciationAndAmortisation" xlink:to="lab_san_AdministrativeExpensesDepreciationAndAmortisation" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax_019ca0fb-ca4e-787b-9163-8f32de10d0c7_terseLabel_en-US" xlink:label="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other recognised income and expense of investments in subsidiaries, joint ventures and associates</link:label>
    <link:label id="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax_label_en-US" xlink:label="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share of other comprehensive income of associates and joint ventures accounted for using equity method that will not be reclassified to profit or loss, net of tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:to="lab_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GainsLossesOnDisposalsOfNonFinancialAssetsNet_019ca0fb-cbee-730e-9a5e-a6f98a8002e1_terseLabel_en-US" xlink:label="lab_san_GainsLossesOnDisposalsOfNonFinancialAssetsNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gain or losses on non-financial assets and investments, net</link:label>
    <link:label id="lab_san_GainsLossesOnDisposalsOfNonFinancialAssetsNet_019ca0fb-cbee-7b92-a5ac-e06a3ecb4726_totalLabel_en-US" xlink:label="lab_san_GainsLossesOnDisposalsOfNonFinancialAssetsNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Gains (losses) on disposal of assets not classified as non-current assets held for sale, total</link:label>
    <link:label id="lab_san_GainsLossesOnDisposalsOfNonFinancialAssetsNet_label_en-US" xlink:label="lab_san_GainsLossesOnDisposalsOfNonFinancialAssetsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (Losses) On Disposals Of Non-Financial Assets, Net</link:label>
    <link:label id="lab_san_GainsLossesOnDisposalsOfNonFinancialAssetsNet_documentation_en-US" xlink:label="lab_san_GainsLossesOnDisposalsOfNonFinancialAssetsNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Gains (Losses) On Disposals Of Non-Financial Assets, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GainsLossesOnDisposalsOfNonFinancialAssetsNet" xlink:href="san-20251231.xsd#san_GainsLossesOnDisposalsOfNonFinancialAssetsNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GainsLossesOnDisposalsOfNonFinancialAssetsNet" xlink:to="lab_san_GainsLossesOnDisposalsOfNonFinancialAssetsNet" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SecuritisationSwapMember_019ca0fb-c94e-7c37-9770-2b29ef942e40_terseLabel_en-US" xlink:label="lab_san_SecuritisationSwapMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securitisation Swap</link:label>
    <link:label id="lab_san_SecuritisationSwapMember_label_en-US" xlink:label="lab_san_SecuritisationSwapMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Securitisation Swap [Member]</link:label>
    <link:label id="lab_san_SecuritisationSwapMember_documentation_en-US" xlink:label="lab_san_SecuritisationSwapMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Securitisation Swap</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SecuritisationSwapMember" xlink:href="san-20251231.xsd#san_SecuritisationSwapMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SecuritisationSwapMember" xlink:to="lab_san_SecuritisationSwapMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToHedgesOfInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome_019ca0fb-cad3-764d-a39a-f157bdb61b16_terseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToHedgesOfInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in the fair value of equity instruments measured at fair value through other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToHedgesOfInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToHedgesOfInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income tax relating to hedges of investments in equity instruments included in other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncomeTaxRelatingToHedgesOfInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncomeTaxRelatingToHedgesOfInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncomeTaxRelatingToHedgesOfInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome" xlink:to="lab_ifrs-full_IncomeTaxRelatingToHedgesOfInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseInNonPerformingLoansRatio_019ca0fb-cb6b-7dd5-babf-5957824435b2_terseLabel_en-US" xlink:label="lab_san_IncreaseInNonPerformingLoansRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage increase in non-performing loans ratio</link:label>
    <link:label id="lab_san_IncreaseInNonPerformingLoansRatio_label_en-US" xlink:label="lab_san_IncreaseInNonPerformingLoansRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase In Non-Performing Loans Ratio</link:label>
    <link:label id="lab_san_IncreaseInNonPerformingLoansRatio_documentation_en-US" xlink:label="lab_san_IncreaseInNonPerformingLoansRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase In Non-Performing Loans Ratio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseInNonPerformingLoansRatio" xlink:href="san-20251231.xsd#san_IncreaseInNonPerformingLoansRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseInNonPerformingLoansRatio" xlink:to="lab_san_IncreaseInNonPerformingLoansRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableRemunerationMaximumTotalAmountOfIncentive_019ca0fb-c9cd-7487-b7ab-c66d4f6e0bfb_terseLabel_en-US" xlink:label="lab_san_DeferredVariableRemunerationMaximumTotalAmountOfIncentive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum amount of incentive</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMaximumTotalAmountOfIncentive_label_en-US" xlink:label="lab_san_DeferredVariableRemunerationMaximumTotalAmountOfIncentive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Maximum Total Amount Of Incentive</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMaximumTotalAmountOfIncentive_documentation_en-US" xlink:label="lab_san_DeferredVariableRemunerationMaximumTotalAmountOfIncentive" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Maximum Total Amount Of Incentive</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableRemunerationMaximumTotalAmountOfIncentive" xlink:href="san-20251231.xsd#san_DeferredVariableRemunerationMaximumTotalAmountOfIncentive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableRemunerationMaximumTotalAmountOfIncentive" xlink:to="lab_san_DeferredVariableRemunerationMaximumTotalAmountOfIncentive" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ReservesOfSubsidiaries_019ca0fb-cc70-73c0-8110-333e86d77ed6_terseLabel_en-US" xlink:label="lab_san_ReservesOfSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reserves of subsidiaries</link:label>
    <link:label id="lab_san_ReservesOfSubsidiaries_label_en-US" xlink:label="lab_san_ReservesOfSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reserves Of Subsidiaries</link:label>
    <link:label id="lab_san_ReservesOfSubsidiaries_documentation_en-US" xlink:label="lab_san_ReservesOfSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A component of equity representing reserves of subsidiaries.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ReservesOfSubsidiaries" xlink:href="san-20251231.xsd#san_ReservesOfSubsidiaries"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ReservesOfSubsidiaries" xlink:to="lab_san_ReservesOfSubsidiaries" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesTable_019ca0fb-cb6b-71c5-9d01-202f10a747f3_terseLabel_en-US" xlink:label="lab_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure Of Other Equity Instruments And Own Shares [Table]</link:label>
    <link:label id="lab_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesTable_label_en-US" xlink:label="lab_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Other Equity Instruments And Own Shares [Table]</link:label>
    <link:label id="lab_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesTable_documentation_en-US" xlink:label="lab_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Other Equity Instruments And Own Shares [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesTable" xlink:href="san-20251231.xsd#san_DisclosureOfOtherEquityInstrumentsAndOwnSharesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesTable" xlink:to="lab_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DifferenceBetweenTotalShareholderReturnAndPeerGroupPercentage_019ca0fb-cb6b-76d7-89dc-ecb0b6905cb5_terseLabel_en-US" xlink:label="lab_san_DifferenceBetweenTotalShareholderReturnAndPeerGroupPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Difference between total shareholder return and peer group (in percentages)</link:label>
    <link:label id="lab_san_DifferenceBetweenTotalShareholderReturnAndPeerGroupPercentage_label_en-US" xlink:label="lab_san_DifferenceBetweenTotalShareholderReturnAndPeerGroupPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Difference Between Total Shareholder Return And Peer Group, Percentage</link:label>
    <link:label id="lab_san_DifferenceBetweenTotalShareholderReturnAndPeerGroupPercentage_documentation_en-US" xlink:label="lab_san_DifferenceBetweenTotalShareholderReturnAndPeerGroupPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Difference Between Total Shareholder Return And Peer Group, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DifferenceBetweenTotalShareholderReturnAndPeerGroupPercentage" xlink:href="san-20251231.xsd#san_DifferenceBetweenTotalShareholderReturnAndPeerGroupPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DifferenceBetweenTotalShareholderReturnAndPeerGroupPercentage" xlink:to="lab_san_DifferenceBetweenTotalShareholderReturnAndPeerGroupPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansAndReceivablesWithoutConsideringPublicAdministrationMember_019ca0fb-ca4e-7c86-9457-8fb521f08304_terseLabel_en-US" xlink:label="lab_san_LoansAndReceivablesWithoutConsideringPublicAdministrationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Without considering the Public Administration</link:label>
    <link:label id="lab_san_LoansAndReceivablesWithoutConsideringPublicAdministrationMember_label_en-US" xlink:label="lab_san_LoansAndReceivablesWithoutConsideringPublicAdministrationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans And Receivables Without Considering Public Administration [Member]</link:label>
    <link:label id="lab_san_LoansAndReceivablesWithoutConsideringPublicAdministrationMember_documentation_en-US" xlink:label="lab_san_LoansAndReceivablesWithoutConsideringPublicAdministrationMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for loans and receivables without considering the Public Administration.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansAndReceivablesWithoutConsideringPublicAdministrationMember" xlink:href="san-20251231.xsd#san_LoansAndReceivablesWithoutConsideringPublicAdministrationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansAndReceivablesWithoutConsideringPublicAdministrationMember" xlink:to="lab_san_LoansAndReceivablesWithoutConsideringPublicAdministrationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCountriesWithSuperdigitalImplemented_019ca0fb-cad3-7644-92ad-cc5c2f84cdce_terseLabel_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCountriesWithSuperdigitalImplemented" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of countries with Superdigital implemented</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCountriesWithSuperdigitalImplemented_label_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCountriesWithSuperdigitalImplemented" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Pago Nxt, Number Of Countries With Superdigital Implemented</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCountriesWithSuperdigitalImplemented_documentation_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCountriesWithSuperdigitalImplemented" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Pago Nxt, Number Of Countries With Superdigital Implemented</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCountriesWithSuperdigitalImplemented" xlink:href="san-20251231.xsd#san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCountriesWithSuperdigitalImplemented"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCountriesWithSuperdigitalImplemented" xlink:to="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCountriesWithSuperdigitalImplemented" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfSharesOwnedByThirdPartiesReceivedAsSecurity_019ca0fb-cbee-75b8-a4ca-8eadf2c56796_terseLabel_en-US" xlink:label="lab_san_NumberOfSharesOwnedByThirdPartiesReceivedAsSecurity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shares owned by third parties and received as security (in shares)</link:label>
    <link:label id="lab_san_NumberOfSharesOwnedByThirdPartiesReceivedAsSecurity_label_en-US" xlink:label="lab_san_NumberOfSharesOwnedByThirdPartiesReceivedAsSecurity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Shares Owned By Third Parties Received As Security</link:label>
    <link:label id="lab_san_NumberOfSharesOwnedByThirdPartiesReceivedAsSecurity_documentation_en-US" xlink:label="lab_san_NumberOfSharesOwnedByThirdPartiesReceivedAsSecurity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of shares owned by third parties and received as security.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfSharesOwnedByThirdPartiesReceivedAsSecurity" xlink:href="san-20251231.xsd#san_NumberOfSharesOwnedByThirdPartiesReceivedAsSecurity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfSharesOwnedByThirdPartiesReceivedAsSecurity" xlink:to="lab_san_NumberOfSharesOwnedByThirdPartiesReceivedAsSecurity" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherAssets_019ca0fb-c94e-7ff2-acea-1f4078ef9ff4_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">OTHER ASSETS</link:label>
    <link:label id="lab_ifrs-full_OtherAssets_019ca0fb-c94e-72f5-9e6c-58b72bc3bd67_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other assets</link:label>
    <link:label id="lab_ifrs-full_OtherAssets_019ca0fb-c94e-7bf5-8c4c-dfe4c909bba7_netLabel_en-US" xlink:label="lab_ifrs-full_OtherAssets" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_ifrs-full_OtherAssets_label_en-US" xlink:label="lab_ifrs-full_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherAssets" xlink:to="lab_ifrs-full_OtherAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherNonfinancialAssets_019ca0fb-cbee-745c-a4a8-fcb464a3be95_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherNonfinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_ifrs-full_OtherNonfinancialAssets_019ca0fb-cbee-7644-87cd-7bfe682cf548_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherNonfinancialAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Other non-financial assets</link:label>
    <link:label id="lab_ifrs-full_OtherNonfinancialAssets_label_en-US" xlink:label="lab_ifrs-full_OtherNonfinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other non-financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherNonfinancialAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherNonfinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherNonfinancialAssets" xlink:to="lab_ifrs-full_OtherNonfinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_Level1OfFairValueHierarchyMember_019ca0fb-c9cd-7855-b0a2-5fd32c6cb543_terseLabel_en-US" xlink:label="lab_ifrs-full_Level1OfFairValueHierarchyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Level&#160;1</link:label>
    <link:label id="lab_ifrs-full_Level1OfFairValueHierarchyMember_label_en-US" xlink:label="lab_ifrs-full_Level1OfFairValueHierarchyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Level 1 of fair value hierarchy [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_Level1OfFairValueHierarchyMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_Level1OfFairValueHierarchyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_Level1OfFairValueHierarchyMember" xlink:to="lab_ifrs-full_Level1OfFairValueHierarchyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration_019ca0fb-c94e-76de-88ba-18bd1b3afe96_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable long-term employee benefits, deferred remuneration</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Variable Long-Term Employee Benefits, Deferred Remuneration</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Variable Long-Term Employee Benefits, Deferred Remuneration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration" xlink:to="lab_san_KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherInflowsOfCashClassifiedAsFinancingActivities_019ca0fb-c9cd-76c9-8889-504d7dfbf377_terseLabel_en-US" xlink:label="lab_san_OtherInflowsOfCashClassifiedAsFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other proceeds related to financing activities</link:label>
    <link:label id="lab_san_OtherInflowsOfCashClassifiedAsFinancingActivities_label_en-US" xlink:label="lab_san_OtherInflowsOfCashClassifiedAsFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Inflows Of Cash Classified As Financing Activities</link:label>
    <link:label id="lab_san_OtherInflowsOfCashClassifiedAsFinancingActivities_documentation_en-US" xlink:label="lab_san_OtherInflowsOfCashClassifiedAsFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Inflows of cash, classified as financing activities, that the entity does not separately disclose in the same statement or note.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherInflowsOfCashClassifiedAsFinancingActivities" xlink:href="san-20251231.xsd#san_OtherInflowsOfCashClassifiedAsFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherInflowsOfCashClassifiedAsFinancingActivities" xlink:to="lab_san_OtherInflowsOfCashClassifiedAsFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderBankPolskaAndSantanderConsumerBankPolandMember_019ca0fb-c9cd-7b1d-8fe4-d792c91f32c2_terseLabel_en-US" xlink:label="lab_san_SantanderBankPolskaAndSantanderConsumerBankPolandMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Bank Polska and Santander Consumer Bank Poland</link:label>
    <link:label id="lab_san_SantanderBankPolskaAndSantanderConsumerBankPolandMember_label_en-US" xlink:label="lab_san_SantanderBankPolskaAndSantanderConsumerBankPolandMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Bank Polska And Santander Consumer Bank Poland [Member]</link:label>
    <link:label id="lab_san_SantanderBankPolskaAndSantanderConsumerBankPolandMember_documentation_en-US" xlink:label="lab_san_SantanderBankPolskaAndSantanderConsumerBankPolandMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Bank Polska And Santander Consumer Bank Poland</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderBankPolskaAndSantanderConsumerBankPolandMember" xlink:href="san-20251231.xsd#san_SantanderBankPolskaAndSantanderConsumerBankPolandMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderBankPolskaAndSantanderConsumerBankPolandMember" xlink:to="lab_san_SantanderBankPolskaAndSantanderConsumerBankPolandMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NumberOfShareOptionsGrantedInSharebasedPaymentArrangement_019ca0fb-c9cd-7b30-a880-a6fbbd05508c_terseLabel_en-US" xlink:label="lab_ifrs-full_NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Options granted (in shares)</link:label>
    <link:label id="lab_ifrs-full_NumberOfShareOptionsGrantedInSharebasedPaymentArrangement_label_en-US" xlink:label="lab_ifrs-full_NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number of share options granted in share-based payment arrangement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NumberOfShareOptionsGrantedInSharebasedPaymentArrangement"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" xlink:to="lab_ifrs-full_NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems_019ca0fb-cad3-75dc-8a89-f08edfa2b69f_verboseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about property, plant and equipment [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems_019ca0fb-cad3-7ac2-94e1-7192ffb8dd47_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about property, plant and equipment [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about property, plant and equipment [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems" xlink:to="lab_ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MortgageBackedAssets_019ca0fb-cbee-7853-be6e-c03c99013bb0_terseLabel_en-US" xlink:label="lab_san_MortgageBackedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage backed assets</link:label>
    <link:label id="lab_san_MortgageBackedAssets_label_en-US" xlink:label="lab_san_MortgageBackedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Backed Assets</link:label>
    <link:label id="lab_san_MortgageBackedAssets_documentation_en-US" xlink:label="lab_san_MortgageBackedAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of mortgage backed assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MortgageBackedAssets" xlink:href="san-20251231.xsd#san_MortgageBackedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MortgageBackedAssets" xlink:to="lab_san_MortgageBackedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans_019ca0fb-ca4e-7c4d-9f7e-e95c7f44ca73_terseLabel_en-US" xlink:label="lab_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Estimated future benefit payable</link:label>
    <link:label id="lab_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans_label_en-US" xlink:label="lab_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimated Future Benefit Payable From Defined Benefit Plans</link:label>
    <link:label id="lab_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans_documentation_en-US" xlink:label="lab_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The estimated amount, at the balance sheet date, of the future benefits payable during the specified period from defined benefit plans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans" xlink:href="san-20251231.xsd#san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans" xlink:to="lab_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RepurchaseAgreementsLiabilitiesMember_019ca0fb-cbee-77fa-925d-b10dba52820a_terseLabel_en-US" xlink:label="lab_san_RepurchaseAgreementsLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reverse repurchase agreements</link:label>
    <link:label id="lab_san_RepurchaseAgreementsLiabilitiesMember_label_en-US" xlink:label="lab_san_RepurchaseAgreementsLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repurchase Agreements Liabilities [Member]</link:label>
    <link:label id="lab_san_RepurchaseAgreementsLiabilitiesMember_documentation_en-US" xlink:label="lab_san_RepurchaseAgreementsLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for financial liabilities that are repurchase agreements.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RepurchaseAgreementsLiabilitiesMember" xlink:href="san-20251231.xsd#san_RepurchaseAgreementsLiabilitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RepurchaseAgreementsLiabilitiesMember" xlink:to="lab_san_RepurchaseAgreementsLiabilitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest_019ca0fb-cc70-76a9-ae36-ffb0e0cb2f8b_terseLabel_en-US" xlink:label="lab_san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expected return on plan assets</link:label>
    <link:label id="lab_san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest_label_en-US" xlink:label="lab_san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Return On Plan Assets Net Defined Benefit Liability Asset Including Interest</link:label>
    <link:label id="lab_san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest_documentation_en-US" xlink:label="lab_san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Return On Plan Assets Net Defined Benefit Liability Asset Including Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest" xlink:href="san-20251231.xsd#san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest" xlink:to="lab_san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncome_019ca0fb-ca4d-7b42-8b83-b3a36a8441d1_terseLabel_en-US" xlink:label="lab_san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other items</link:label>
    <link:label id="lab_san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncome_label_en-US" xlink:label="lab_san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Controlling Interest Excluding Accumulated Other Comprehensive Income</link:label>
    <link:label id="lab_san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncome_documentation_en-US" xlink:label="lab_san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of equity in a subsidiary not attributable, directly or indirectly, to a parent other than accumulated other comprehensive income.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncome" xlink:href="san-20251231.xsd#san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncome" xlink:to="lab_san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DigitalTransformationAwardMember_019ca0fb-cad3-7e99-84be-98ee7a7f14c5_terseLabel_en-US" xlink:label="lab_san_DigitalTransformationAwardMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Digital Transformation Award</link:label>
    <link:label id="lab_san_DigitalTransformationAwardMember_label_en-US" xlink:label="lab_san_DigitalTransformationAwardMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Digital Transformation Award [Member]</link:label>
    <link:label id="lab_san_DigitalTransformationAwardMember_documentation_en-US" xlink:label="lab_san_DigitalTransformationAwardMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Digital Transformation Award</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DigitalTransformationAwardMember" xlink:href="san-20251231.xsd#san_DigitalTransformationAwardMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DigitalTransformationAwardMember" xlink:to="lab_san_DigitalTransformationAwardMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfGainsLossesOnFinancialAssetsAndLiabilitiesTableTextBlock_019ca0fb-cc70-755f-bf82-5a3cb9db05a7_terseLabel_en-US" xlink:label="lab_san_DisclosureOfGainsLossesOnFinancialAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of detail, by origin, of gains/losses on financial assets and liability</link:label>
    <link:label id="lab_san_DisclosureOfGainsLossesOnFinancialAssetsAndLiabilitiesTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfGainsLossesOnFinancialAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Gains (Losses) On Financial Assets And Liabilities [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfGainsLossesOnFinancialAssetsAndLiabilitiesTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfGainsLossesOnFinancialAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of gains and losses on financial assets and liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfGainsLossesOnFinancialAssetsAndLiabilitiesTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfGainsLossesOnFinancialAssetsAndLiabilitiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfGainsLossesOnFinancialAssetsAndLiabilitiesTableTextBlock" xlink:to="lab_san_DisclosureOfGainsLossesOnFinancialAssetsAndLiabilitiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DividendsPaidClassifiedAsFinancingActivities_019ca0fb-ca4e-7b64-8099-24f47ac42755_terseLabel_en-US" xlink:label="lab_ifrs-full_DividendsPaidClassifiedAsFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividends</link:label>
    <link:label id="lab_ifrs-full_DividendsPaidClassifiedAsFinancingActivities_019ca0fb-ca4e-794a-b1a0-b39c590ccb7d_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_DividendsPaidClassifiedAsFinancingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Dividends paid</link:label>
    <link:label id="lab_ifrs-full_DividendsPaidClassifiedAsFinancingActivities_label_en-US" xlink:label="lab_ifrs-full_DividendsPaidClassifiedAsFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends paid, classified as financing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DividendsPaidClassifiedAsFinancingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DividendsPaidClassifiedAsFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DividendsPaidClassifiedAsFinancingActivities" xlink:to="lab_ifrs-full_DividendsPaidClassifiedAsFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FixturesAndFittingsMember_019ca0fb-cc70-7530-b45c-a498dd727d37_terseLabel_en-US" xlink:label="lab_ifrs-full_FixturesAndFittingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixtures</link:label>
    <link:label id="lab_ifrs-full_FixturesAndFittingsMember_label_en-US" xlink:label="lab_ifrs-full_FixturesAndFittingsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fixtures and fittings [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FixturesAndFittingsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FixturesAndFittingsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FixturesAndFittingsMember" xlink:to="lab_ifrs-full_FixturesAndFittingsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAttendanceFeesExplanatoryTableTextBlock_019ca0fb-c9cd-7d68-8447-fe6cd944ac77_terseLabel_en-US" xlink:label="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAttendanceFeesExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule summarising attendance fees</link:label>
    <link:label id="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAttendanceFeesExplanatoryTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAttendanceFeesExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Transactions Between Related Parties, Remuneration, Attendance Fees Explanatory [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAttendanceFeesExplanatoryTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAttendanceFeesExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of remuneration for attendance fees between the entity and its related parties.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAttendanceFeesExplanatoryTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAttendanceFeesExplanatoryTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAttendanceFeesExplanatoryTableTextBlock" xlink:to="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAttendanceFeesExplanatoryTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoanMember_019ca0fb-c9cd-7a30-badb-a9488dce7d5f_terseLabel_en-US" xlink:label="lab_san_LoanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans</link:label>
    <link:label id="lab_san_LoanMember_label_en-US" xlink:label="lab_san_LoanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan [Member]</link:label>
    <link:label id="lab_san_LoanMember_documentation_en-US" xlink:label="lab_san_LoanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoanMember" xlink:href="san-20251231.xsd#san_LoanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoanMember" xlink:to="lab_san_LoanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForeignExchangeForwardContractMember_019ca0fb-c9cd-7356-ab7f-ecac11e325b7_terseLabel_en-US" xlink:label="lab_san_ForeignExchangeForwardContractMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fx forward</link:label>
    <link:label id="lab_san_ForeignExchangeForwardContractMember_label_en-US" xlink:label="lab_san_ForeignExchangeForwardContractMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign Exchange Forward Contract [Member]</link:label>
    <link:label id="lab_san_ForeignExchangeForwardContractMember_documentation_en-US" xlink:label="lab_san_ForeignExchangeForwardContractMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to foreign exchange forward contracts.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForeignExchangeForwardContractMember" xlink:href="san-20251231.xsd#san_ForeignExchangeForwardContractMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForeignExchangeForwardContractMember" xlink:to="lab_san_ForeignExchangeForwardContractMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities_019ca0fb-cad3-79e2-b974-b15cd151b91f_terseLabel_en-US" xlink:label="lab_san_AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share in other income and expenses recognised in investments, joint ventures and associates</link:label>
    <link:label id="lab_san_AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities_019ca0fb-cad3-73aa-a76b-c2b9e5c371a5_verboseLabel_en-US" xlink:label="lab_san_AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Share in other income and expenses recognised in investments, joint ventures and associates</link:label>
    <link:label id="lab_san_AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities_label_en-US" xlink:label="lab_san_AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amount Recognised In Other Comprehensive Income And Subject To Reclassification To Profit Or Loss Relating To Investments In Associated Entities</link:label>
    <link:label id="lab_san_AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities_documentation_en-US" xlink:label="lab_san_AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The portion of The portion of other recognized income and expense of investments in subsidiaries, joint ventures and associated entities that is recognised in other comprehensive income and may be reclassified to profit or loss.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities" xlink:href="san-20251231.xsd#san_AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities" xlink:to="lab_san_AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RepurchaseTrustGroupEffectiveParticipationPercentage_019ca0fb-cad3-7700-b109-c0af3c027700_terseLabel_en-US" xlink:label="lab_san_RepurchaseTrustGroupEffectiveParticipationPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repurchase trust, group's effective participation (in percentage)</link:label>
    <link:label id="lab_san_RepurchaseTrustGroupEffectiveParticipationPercentage_label_en-US" xlink:label="lab_san_RepurchaseTrustGroupEffectiveParticipationPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repurchase Trust, Group Effective Participation, Percentage</link:label>
    <link:label id="lab_san_RepurchaseTrustGroupEffectiveParticipationPercentage_documentation_en-US" xlink:label="lab_san_RepurchaseTrustGroupEffectiveParticipationPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Repurchase Trust, Group Effective Participation, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RepurchaseTrustGroupEffectiveParticipationPercentage" xlink:href="san-20251231.xsd#san_RepurchaseTrustGroupEffectiveParticipationPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RepurchaseTrustGroupEffectiveParticipationPercentage" xlink:to="lab_san_RepurchaseTrustGroupEffectiveParticipationPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness_019ca0fb-c9cd-764e-b8bf-f1930db16fd0_terseLabel_en-US" xlink:label="lab_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in fair value of hedged item for ineffectiveness assessment</link:label>
    <link:label id="lab_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness_label_en-US" xlink:label="lab_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (loss) on change in fair value of hedged item used as basis for recognising hedge ineffectiveness</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" xlink:to="lab_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_019ca0fb-cbee-7332-9422-6a2f3fec38e8_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FINANCIAL LIABILITIES HELD FOR TRADING</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_019ca0fb-cbee-7b5c-9942-edf3be99385b_verboseLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities held for trading</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_019ca0fb-cbee-7efc-a1b3-41d94215d660_totalLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">FINANCIAL LIABILITIES HELD FOR TRADING</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_label_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial liabilities at fair value through profit or loss that meet definition of held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:to="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_san_HighQualityLiquidAssetsCashOutflowInflow_019ca0fb-cb6b-782a-9f39-5ab2fc061417_totalLabel_en-US" xlink:label="lab_san_HighQualityLiquidAssetsCashOutflowInflow" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total net cash outflows (denominator)</link:label>
    <link:label id="lab_san_HighQualityLiquidAssetsCashOutflowInflow_label_en-US" xlink:label="lab_san_HighQualityLiquidAssetsCashOutflowInflow" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">High-Quality Liquid Assets, Cash Outflow (Inflow)</link:label>
    <link:label id="lab_san_HighQualityLiquidAssetsCashOutflowInflow_documentation_en-US" xlink:label="lab_san_HighQualityLiquidAssetsCashOutflowInflow" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">High-Quality Liquid Assets, Cash Outflow (Inflow)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_HighQualityLiquidAssetsCashOutflowInflow" xlink:href="san-20251231.xsd#san_HighQualityLiquidAssetsCashOutflowInflow"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_HighQualityLiquidAssetsCashOutflowInflow" xlink:to="lab_san_HighQualityLiquidAssetsCashOutflowInflow" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease_019ca0fb-c9cd-7025-a672-baa2429bf899_negatedTerseLabel_en-US" xlink:label="lab_san_FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Change in DVA (as a percent)</link:label>
    <link:label id="lab_san_FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease_label_en-US" xlink:label="lab_san_FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instruments, Debt Valuation Adjustment, Increase (Decrease)</link:label>
    <link:label id="lab_san_FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease_documentation_en-US" xlink:label="lab_san_FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (decrease) in debt valuation adjustment from prior year as a percent.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease" xlink:href="san-20251231.xsd#san_FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease" xlink:to="lab_san_FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfLoansAndAdvancesToCustomersBreakdownTableTextBlock_019ca0fb-c94e-76ab-a267-6308af2261bf_terseLabel_en-US" xlink:label="lab_san_DisclosureOfLoansAndAdvancesToCustomersBreakdownTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of the breakdown of loans and advances to customers</link:label>
    <link:label id="lab_san_DisclosureOfLoansAndAdvancesToCustomersBreakdownTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfLoansAndAdvancesToCustomersBreakdownTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Loans And Advances To Customers Breakdown [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfLoansAndAdvancesToCustomersBreakdownTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfLoansAndAdvancesToCustomersBreakdownTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of breakdown of loans and advances to customers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfLoansAndAdvancesToCustomersBreakdownTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfLoansAndAdvancesToCustomersBreakdownTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfLoansAndAdvancesToCustomersBreakdownTableTextBlock" xlink:to="lab_san_DisclosureOfLoansAndAdvancesToCustomersBreakdownTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfEmployeesWithDisabilitiesAtEndOfPeriod_019ca0fb-ca4e-7225-9af4-f20427fb5612_terseLabel_en-US" xlink:label="lab_san_NumberOfEmployeesWithDisabilitiesAtEndOfPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of employees with disabilities at end of period</link:label>
    <link:label id="lab_san_NumberOfEmployeesWithDisabilitiesAtEndOfPeriod_label_en-US" xlink:label="lab_san_NumberOfEmployeesWithDisabilitiesAtEndOfPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Employees With Disabilities At End Of Period</link:label>
    <link:label id="lab_san_NumberOfEmployeesWithDisabilitiesAtEndOfPeriod_documentation_en-US" xlink:label="lab_san_NumberOfEmployeesWithDisabilitiesAtEndOfPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of employees with disabilities at end of period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfEmployeesWithDisabilitiesAtEndOfPeriod" xlink:href="san-20251231.xsd#san_NumberOfEmployeesWithDisabilitiesAtEndOfPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfEmployeesWithDisabilitiesAtEndOfPeriod" xlink:to="lab_san_NumberOfEmployeesWithDisabilitiesAtEndOfPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInDecember2020Member_019ca0fb-cbee-7e88-9010-48af29e20728_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInDecember2020Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance by Banco Santander S.A. in December 2020</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInDecember2020Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInDecember2020Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In December 2020 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInDecember2020Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInDecember2020Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In December 2020</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderSAInDecember2020Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderSAInDecember2020Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderSAInDecember2020Member" xlink:to="lab_san_IssuanceByBancoSantanderSAInDecember2020Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory_019ca0fb-cbee-7c93-a1b3-140b2a227f7f_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-current assets and liabilities associated with non-current assets held for sale</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description of accounting policy for non-current assets or disposal groups classified as held for sale [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory" xlink:to="lab_ifrs-full_DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageIncreaseInCreditRiskExcludingExchangeRate_019ca0fb-cad2-79c5-bb8f-a424a52303dc_terseLabel_en-US" xlink:label="lab_san_PercentageIncreaseInCreditRiskExcludingExchangeRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage increase in credit risk, excluding exchange rate</link:label>
    <link:label id="lab_san_PercentageIncreaseInCreditRiskExcludingExchangeRate_label_en-US" xlink:label="lab_san_PercentageIncreaseInCreditRiskExcludingExchangeRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Increase In Credit Risk, Excluding Exchange Rate</link:label>
    <link:label id="lab_san_PercentageIncreaseInCreditRiskExcludingExchangeRate_documentation_en-US" xlink:label="lab_san_PercentageIncreaseInCreditRiskExcludingExchangeRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage Increase In Credit Risk, Excluding Exchange Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageIncreaseInCreditRiskExcludingExchangeRate" xlink:href="san-20251231.xsd#san_PercentageIncreaseInCreditRiskExcludingExchangeRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageIncreaseInCreditRiskExcludingExchangeRate" xlink:to="lab_san_PercentageIncreaseInCreditRiskExcludingExchangeRate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CreditRelatedFeeAndCommissionIncomeChequesAndOther_019ca0fb-cad3-7108-9d38-4023fc6d0fc9_terseLabel_en-US" xlink:label="lab_san_CreditRelatedFeeAndCommissionIncomeChequesAndOther" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cheques and other</link:label>
    <link:label id="lab_san_CreditRelatedFeeAndCommissionIncomeChequesAndOther_label_en-US" xlink:label="lab_san_CreditRelatedFeeAndCommissionIncomeChequesAndOther" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Related Fee And Commission Income Cheques And Other</link:label>
    <link:label id="lab_san_CreditRelatedFeeAndCommissionIncomeChequesAndOther_documentation_en-US" xlink:label="lab_san_CreditRelatedFeeAndCommissionIncomeChequesAndOther" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of income recognised from credit-related fees and commissions from cheques and other.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CreditRelatedFeeAndCommissionIncomeChequesAndOther" xlink:href="san-20251231.xsd#san_CreditRelatedFeeAndCommissionIncomeChequesAndOther"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CreditRelatedFeeAndCommissionIncomeChequesAndOther" xlink:to="lab_san_CreditRelatedFeeAndCommissionIncomeChequesAndOther" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DeferredTaxLiabilityAsset_019ca0fb-cad3-7837-9742-bdbb80244cdb_negatedPeriodStartLabel_en-US" xlink:label="lab_ifrs-full_DeferredTaxLiabilityAsset" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="resource" xml:lang="en-US">Deferred tax liability (asset) at beginning of period</link:label>
    <link:label id="lab_ifrs-full_DeferredTaxLiabilityAsset_019ca0fb-cad3-70a1-9cd1-34350cc5526c_negatedPeriodEndLabel_en-US" xlink:label="lab_ifrs-full_DeferredTaxLiabilityAsset" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="resource" xml:lang="en-US">Deferred tax liability (asset) at end of period</link:label>
    <link:label id="lab_ifrs-full_DeferredTaxLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_DeferredTaxLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred tax liability (asset)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DeferredTaxLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DeferredTaxLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DeferredTaxLiabilityAsset" xlink:to="lab_ifrs-full_DeferredTaxLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition_019ca0fb-c9cd-7886-b05a-eedf30961518_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition_019ca0fb-c9cd-7767-b784-86b335a72e32_verboseLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities designated at fair value through profit or loss</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition_019ca0fb-c9cd-7bf3-8a0c-db5d2019ddda_netLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Other financial liabilities at fair value through profit or loss</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition_label_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:to="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherAdjustmentsForNoncashItems_019ca0fb-ca4e-79c7-a5e2-a8d4a6fcf230_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherAdjustmentsForNoncashItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other adjustments</link:label>
    <link:label id="lab_ifrs-full_OtherAdjustmentsForNoncashItems_label_en-US" xlink:label="lab_ifrs-full_OtherAdjustmentsForNoncashItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other adjustments for non-cash items</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherAdjustmentsForNoncashItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherAdjustmentsForNoncashItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherAdjustmentsForNoncashItems" xlink:to="lab_ifrs-full_OtherAdjustmentsForNoncashItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IfrsTierTwoRiskBasedCapital_019ca0fb-cad3-7762-929b-323d931398b0_terseLabel_en-US" xlink:label="lab_san_IfrsTierTwoRiskBasedCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Level 2 eligible capital (EUR million)</link:label>
    <link:label id="lab_san_IfrsTierTwoRiskBasedCapital_019ca0fb-cad3-7767-8f0c-1065fdec98a6_totalLabel_en-US" xlink:label="lab_san_IfrsTierTwoRiskBasedCapital" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Tier II</link:label>
    <link:label id="lab_san_IfrsTierTwoRiskBasedCapital_label_en-US" xlink:label="lab_san_IfrsTierTwoRiskBasedCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS Tier Two Risk Based Capital</link:label>
    <link:label id="lab_san_IfrsTierTwoRiskBasedCapital_documentation_en-US" xlink:label="lab_san_IfrsTierTwoRiskBasedCapital" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tier 2 risk-based capital as defined in the international regulations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IfrsTierTwoRiskBasedCapital" xlink:href="san-20251231.xsd#san_IfrsTierTwoRiskBasedCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IfrsTierTwoRiskBasedCapital" xlink:to="lab_san_IfrsTierTwoRiskBasedCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CurrentLiabilities_019ca0fb-cc70-7b49-a58d-4254877a64d2_terseLabel_en-US" xlink:label="lab_ifrs-full_CurrentLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current liabilities</link:label>
    <link:label id="lab_ifrs-full_CurrentLiabilities_label_en-US" xlink:label="lab_ifrs-full_CurrentLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CurrentLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CurrentLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CurrentLiabilities" xlink:to="lab_ifrs-full_CurrentLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RestOfWorldMember_019ca0fb-c9cd-70e0-865c-5a2f09d44bac_terseLabel_en-US" xlink:label="lab_san_RestOfWorldMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rest of the world</link:label>
    <link:label id="lab_san_RestOfWorldMember_label_en-US" xlink:label="lab_san_RestOfWorldMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Rest Of World [Member]</link:label>
    <link:label id="lab_san_RestOfWorldMember_documentation_en-US" xlink:label="lab_san_RestOfWorldMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Rest of World.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RestOfWorldMember" xlink:href="san-20251231.xsd#san_RestOfWorldMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RestOfWorldMember" xlink:to="lab_san_RestOfWorldMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid_019ca0fb-c94e-7564-9658-024464bebc10_terseLabel_en-US" xlink:label="lab_san_InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Paid premiums</link:label>
    <link:label id="lab_san_InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid_label_en-US" xlink:label="lab_san_InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance Contracts Linked To Pensions, Increase Due To Premiums Paid</link:label>
    <link:label id="lab_san_InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid_documentation_en-US" xlink:label="lab_san_InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Insurance contracts linked to pensions, increase in plan assets due to premiums paid.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid" xlink:href="san-20251231.xsd#san_InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid" xlink:to="lab_san_InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FeeAndCommissionIncomeExpense_019ca0fb-c94e-77e4-ab96-81e9f21247ef_terseLabel_en-US" xlink:label="lab_ifrs-full_FeeAndCommissionIncomeExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net commissions</link:label>
    <link:label id="lab_ifrs-full_FeeAndCommissionIncomeExpense_019ca0fb-c94e-7a8d-bc57-d86e2ff7de39_verboseLabel_en-US" xlink:label="lab_ifrs-full_FeeAndCommissionIncomeExpense" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net fee income</link:label>
    <link:label id="lab_ifrs-full_FeeAndCommissionIncomeExpense_label_en-US" xlink:label="lab_ifrs-full_FeeAndCommissionIncomeExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fee and commission income (expense)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FeeAndCommissionIncomeExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FeeAndCommissionIncomeExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FeeAndCommissionIncomeExpense" xlink:to="lab_ifrs-full_FeeAndCommissionIncomeExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfFinancialAssetsMeasuredAtOtherThanFairValueTableTextBlock_019ca0fb-cad3-7226-b00d-9669ee485dc5_terseLabel_en-US" xlink:label="lab_san_DisclosureOfFinancialAssetsMeasuredAtOtherThanFairValueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of financial assets measured at other than fair value</link:label>
    <link:label id="lab_san_DisclosureOfFinancialAssetsMeasuredAtOtherThanFairValueTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfFinancialAssetsMeasuredAtOtherThanFairValueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Financial Assets Measured At Other Than Fair Value [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfFinancialAssetsMeasuredAtOtherThanFairValueTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfFinancialAssetsMeasuredAtOtherThanFairValueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of financial assets measured at other than fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfFinancialAssetsMeasuredAtOtherThanFairValueTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfFinancialAssetsMeasuredAtOtherThanFairValueTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfFinancialAssetsMeasuredAtOtherThanFairValueTableTextBlock" xlink:to="lab_san_DisclosureOfFinancialAssetsMeasuredAtOtherThanFairValueTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss_019ca0fb-c9cd-750d-9037-3d52c0726c15_verboseLabel_en-US" xlink:label="lab_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Ineffective recognised in the income statement</link:label>
    <link:label id="lab_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss_label_en-US" xlink:label="lab_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (loss) on hedge ineffectiveness recognised in profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" xlink:to="lab_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedWithOrWithoutCollateralTableTextBlock_019ca0fb-ca4d-7162-be43-f7eea207760e_terseLabel_en-US" xlink:label="lab_san_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedWithOrWithoutCollateralTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of financial assets that are either past due or impaired, with or without collateral</link:label>
    <link:label id="lab_san_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedWithOrWithoutCollateralTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedWithOrWithoutCollateralTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Financial Assets That Are Either Past Due Or Impaired, With Or Without Collateral [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedWithOrWithoutCollateralTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedWithOrWithoutCollateralTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Financial Assets That Are Either Past Due Or Impaired, With Or Without Collateral</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedWithOrWithoutCollateralTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedWithOrWithoutCollateralTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedWithOrWithoutCollateralTableTextBlock" xlink:to="lab_san_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedWithOrWithoutCollateralTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ShareBuybackProgramDomain_019ca0fb-ca4e-7667-a199-d4c1cb8fbca5_terseLabel_en-US" xlink:label="lab_san_ShareBuybackProgramDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share Buyback Program [Domain]</link:label>
    <link:label id="lab_san_ShareBuybackProgramDomain_label_en-US" xlink:label="lab_san_ShareBuybackProgramDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Buyback Program [Domain]</link:label>
    <link:label id="lab_san_ShareBuybackProgramDomain_documentation_en-US" xlink:label="lab_san_ShareBuybackProgramDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share Buyback Program [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ShareBuybackProgramDomain" xlink:href="san-20251231.xsd#san_ShareBuybackProgramDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ShareBuybackProgramDomain" xlink:to="lab_san_ShareBuybackProgramDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NetPurchaseSaleOfTreasuryShares_019ca0fb-c94e-7da7-967a-11b6ef02063f_terseLabel_en-US" xlink:label="lab_san_NetPurchaseSaleOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net profit from transaction with treasury shares</link:label>
    <link:label id="lab_san_NetPurchaseSaleOfTreasuryShares_label_en-US" xlink:label="lab_san_NetPurchaseSaleOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Purchase (Sale) Of Treasury Shares</link:label>
    <link:label id="lab_san_NetPurchaseSaleOfTreasuryShares_documentation_en-US" xlink:label="lab_san_NetPurchaseSaleOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net Purchase (Sale) Of Treasury Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NetPurchaseSaleOfTreasuryShares" xlink:href="san-20251231.xsd#san_NetPurchaseSaleOfTreasuryShares"/>
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    <link:label id="lab_san_NetInterestAndDividendIncomeExpenseAfterProvisionForCreditLosses_019ca0fb-cb6b-7e99-b863-588ff631c912_totalLabel_en-US" xlink:label="lab_san_NetInterestAndDividendIncomeExpenseAfterProvisionForCreditLosses" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Interest income / (charges) after provision for credit losses</link:label>
    <link:label id="lab_san_NetInterestAndDividendIncomeExpenseAfterProvisionForCreditLosses_label_en-US" xlink:label="lab_san_NetInterestAndDividendIncomeExpenseAfterProvisionForCreditLosses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Interest And Dividend Income Expense After Provision For Credit Losses</link:label>
    <link:label id="lab_san_NetInterestAndDividendIncomeExpenseAfterProvisionForCreditLosses_documentation_en-US" xlink:label="lab_san_NetInterestAndDividendIncomeExpenseAfterProvisionForCreditLosses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of net interest income (expense) plus dividends received from affiliates after provision for credit losses during the period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NetInterestAndDividendIncomeExpenseAfterProvisionForCreditLosses" xlink:href="san-20251231.xsd#san_NetInterestAndDividendIncomeExpenseAfterProvisionForCreditLosses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NetInterestAndDividendIncomeExpenseAfterProvisionForCreditLosses" xlink:to="lab_san_NetInterestAndDividendIncomeExpenseAfterProvisionForCreditLosses" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_019ca0fb-cb6b-72ec-a41d-b2adf9ab836e_terseLabel_en-US" xlink:label="lab_ifrs-full_ContinuingAndDiscontinuedOperationsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Continuing and discontinued operations [axis]</link:label>
    <link:label id="lab_ifrs-full_ContinuingAndDiscontinuedOperationsAxis_label_en-US" xlink:label="lab_ifrs-full_ContinuingAndDiscontinuedOperationsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Continuing and discontinued operations [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ContinuingAndDiscontinuedOperationsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ContinuingAndDiscontinuedOperationsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ContinuingAndDiscontinuedOperationsAxis" xlink:to="lab_ifrs-full_ContinuingAndDiscontinuedOperationsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FinancialInstrumentsManagementNumberOfIndependentDivisions_019ca0fb-c9cd-743c-81f3-1f42e8a14d30_terseLabel_en-US" xlink:label="lab_san_FinancialInstrumentsManagementNumberOfIndependentDivisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of independent divisions</link:label>
    <link:label id="lab_san_FinancialInstrumentsManagementNumberOfIndependentDivisions_label_en-US" xlink:label="lab_san_FinancialInstrumentsManagementNumberOfIndependentDivisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instruments Management, Number Of Independent Divisions</link:label>
    <link:label id="lab_san_FinancialInstrumentsManagementNumberOfIndependentDivisions_documentation_en-US" xlink:label="lab_san_FinancialInstrumentsManagementNumberOfIndependentDivisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of independent divisions from which responsibilities are distributed for the systematic valuation and management of financial instruments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinancialInstrumentsManagementNumberOfIndependentDivisions" xlink:href="san-20251231.xsd#san_FinancialInstrumentsManagementNumberOfIndependentDivisions"/>
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    <link:label id="lab_san_SubordinatedIssueMidSwapRateTerm_019ca0fb-c9cd-7618-ba26-bca644571ef0_terseLabel_en-US" xlink:label="lab_san_SubordinatedIssueMidSwapRateTerm" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated issue, mid-swap rate term</link:label>
    <link:label id="lab_san_SubordinatedIssueMidSwapRateTerm_label_en-US" xlink:label="lab_san_SubordinatedIssueMidSwapRateTerm" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Issue, Mid-Swap Rate Term</link:label>
    <link:label id="lab_san_SubordinatedIssueMidSwapRateTerm_documentation_en-US" xlink:label="lab_san_SubordinatedIssueMidSwapRateTerm" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Issue, Mid-Swap Rate Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedIssueMidSwapRateTerm" xlink:href="san-20251231.xsd#san_SubordinatedIssueMidSwapRateTerm"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedIssueMidSwapRateTerm" xlink:to="lab_san_SubordinatedIssueMidSwapRateTerm" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfOtherComprehensiveIncomeComponentsTableTextBlock_019ca0fb-cb6b-7786-91c2-d3dd98f58552_terseLabel_en-US" xlink:label="lab_san_DisclosureOfOtherComprehensiveIncomeComponentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of components of other comprehensive income</link:label>
    <link:label id="lab_san_DisclosureOfOtherComprehensiveIncomeComponentsTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfOtherComprehensiveIncomeComponentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Other Comprehensive Income Components [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfOtherComprehensiveIncomeComponentsTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfOtherComprehensiveIncomeComponentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of the components of other comprehensive income.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfOtherComprehensiveIncomeComponentsTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfOtherComprehensiveIncomeComponentsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfOtherComprehensiveIncomeComponentsTableTextBlock" xlink:to="lab_san_DisclosureOfOtherComprehensiveIncomeComponentsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems_019ca0fb-cad3-7188-9ed2-33c72eb28406_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems" xlink:to="lab_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RepaidByBancoSantanderS.A.InJuly2025Member_019ca0fb-cbee-7f55-9855-d6e3a5f5fa88_terseLabel_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InJuly2025Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repaid By Banco Santander S.A. In July 2025</link:label>
    <link:label id="lab_san_RepaidByBancoSantanderS.A.InJuly2025Member_label_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InJuly2025Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repaid By Banco Santander S.A. In July 2025 [Member]</link:label>
    <link:label id="lab_san_RepaidByBancoSantanderS.A.InJuly2025Member_documentation_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InJuly2025Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Repaid By Banco Santander S.A. In July 2025</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RepaidByBancoSantanderS.A.InJuly2025Member" xlink:href="san-20251231.xsd#san_RepaidByBancoSantanderS.A.InJuly2025Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RepaidByBancoSantanderS.A.InJuly2025Member" xlink:to="lab_san_RepaidByBancoSantanderS.A.InJuly2025Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ShareBuybackProgramAmount_019ca0fb-cc70-7e47-96d5-b3f3ef4bcfd0_terseLabel_en-US" xlink:label="lab_san_ShareBuybackProgramAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share buyback program, amount</link:label>
    <link:label id="lab_san_ShareBuybackProgramAmount_label_en-US" xlink:label="lab_san_ShareBuybackProgramAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Buyback Program, Amount</link:label>
    <link:label id="lab_san_ShareBuybackProgramAmount_documentation_en-US" xlink:label="lab_san_ShareBuybackProgramAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share Buyback Program, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ShareBuybackProgramAmount" xlink:href="san-20251231.xsd#san_ShareBuybackProgramAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ShareBuybackProgramAmount" xlink:to="lab_san_ShareBuybackProgramAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AdjustmentsForDecreaseIncreaseInOperatingAssets_019ca0fb-cbee-7b7f-93bc-4488aa1efcdd_negatedTotalLabel_en-US" xlink:label="lab_san_AdjustmentsForDecreaseIncreaseInOperatingAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Net increase/(decrease) in operating assets</link:label>
    <link:label id="lab_san_AdjustmentsForDecreaseIncreaseInOperatingAssets_019ca0fb-cbee-7fec-9c54-952a8efbc19f_terseLabel_en-US" xlink:label="lab_san_AdjustmentsForDecreaseIncreaseInOperatingAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net increase/decrease in operating assets</link:label>
    <link:label id="lab_san_AdjustmentsForDecreaseIncreaseInOperatingAssets_label_en-US" xlink:label="lab_san_AdjustmentsForDecreaseIncreaseInOperatingAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments For Decrease Increase In Operating Assets</link:label>
    <link:label id="lab_san_AdjustmentsForDecreaseIncreaseInOperatingAssets_documentation_en-US" xlink:label="lab_san_AdjustmentsForDecreaseIncreaseInOperatingAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Adjustments for decrease (increase) in operating assets to reconcile profit (loss) to net cash flow from (used in) operating activities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AdjustmentsForDecreaseIncreaseInOperatingAssets" xlink:href="san-20251231.xsd#san_AdjustmentsForDecreaseIncreaseInOperatingAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AdjustmentsForDecreaseIncreaseInOperatingAssets" xlink:to="lab_san_AdjustmentsForDecreaseIncreaseInOperatingAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument_019ca0fb-ca4e-74be-a047-e992896eb46e_terseLabel_en-US" xlink:label="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income (hedging instrument)</link:label>
    <link:label id="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument_label_en-US" xlink:label="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Reserves, Other Comprehensive Income, Before Tax, Gains (Losses) On Hedged Instrument</link:label>
    <link:label id="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument_documentation_en-US" xlink:label="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Reserves, Other Comprehensive Income, Before Tax, Gains (Losses) On Hedged Instrument</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" xlink:href="san-20251231.xsd#san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" xlink:to="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_StatementOfChangesInEquityAbstract_019ca0fb-ca4e-7594-8cdc-34ca4132c79c_terseLabel_en-US" xlink:label="lab_ifrs-full_StatementOfChangesInEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement of changes in equity [abstract]</link:label>
    <link:label id="lab_ifrs-full_StatementOfChangesInEquityAbstract_label_en-US" xlink:label="lab_ifrs-full_StatementOfChangesInEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of changes in equity [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_StatementOfChangesInEquityAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_StatementOfChangesInEquityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_StatementOfChangesInEquityAbstract" xlink:to="lab_ifrs-full_StatementOfChangesInEquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ValuationOfFinancialInstrumentsMember_019ca0fb-c9cd-7108-97cd-152e363f6e92_terseLabel_en-US" xlink:label="lab_san_ValuationOfFinancialInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation of financial instruments</link:label>
    <link:label id="lab_san_ValuationOfFinancialInstrumentsMember_label_en-US" xlink:label="lab_san_ValuationOfFinancialInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation Of Financial Instruments [Member]</link:label>
    <link:label id="lab_san_ValuationOfFinancialInstrumentsMember_documentation_en-US" xlink:label="lab_san_ValuationOfFinancialInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Valuation Of Financial Instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ValuationOfFinancialInstrumentsMember" xlink:href="san-20251231.xsd#san_ValuationOfFinancialInstrumentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ValuationOfFinancialInstrumentsMember" xlink:to="lab_san_ValuationOfFinancialInstrumentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MeasurementDomain_019ca0fb-c9cd-752a-9105-618e2b9c287c_terseLabel_en-US" xlink:label="lab_ifrs-full_MeasurementDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement [domain]</link:label>
    <link:label id="lab_ifrs-full_MeasurementDomain_label_en-US" xlink:label="lab_ifrs-full_MeasurementDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MeasurementDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MeasurementDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MeasurementDomain" xlink:to="lab_ifrs-full_MeasurementDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_019ca0fb-c94e-7cec-a197-b70df2f9155d_terseLabel_en-US" xlink:label="lab_ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross amount of financial assets</link:label>
    <link:label id="lab_ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_label_en-US" xlink:label="lab_ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gross financial assets subject to offsetting, enforceable master netting arrangements or similar agreements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:to="lab_ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GrupoSantanderMember_019ca0fb-cbee-7d80-bdd3-d5a7159a3ee0_terseLabel_en-US" xlink:label="lab_san_GrupoSantanderMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Grupo Santander</link:label>
    <link:label id="lab_san_GrupoSantanderMember_label_en-US" xlink:label="lab_san_GrupoSantanderMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Grupo Santander [Member]</link:label>
    <link:label id="lab_san_GrupoSantanderMember_documentation_en-US" xlink:label="lab_san_GrupoSantanderMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Grupo Santander</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GrupoSantanderMember" xlink:href="san-20251231.xsd#san_GrupoSantanderMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GrupoSantanderMember" xlink:to="lab_san_GrupoSantanderMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderSpainAndBancoSantanderMember_019ca0fb-cbee-7f78-b4d0-5e62b06ec038_terseLabel_en-US" xlink:label="lab_san_SantanderSpainAndBancoSantanderMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Spain and Banco Santander</link:label>
    <link:label id="lab_san_SantanderSpainAndBancoSantanderMember_label_en-US" xlink:label="lab_san_SantanderSpainAndBancoSantanderMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Spain And Banco Santander [Member]</link:label>
    <link:label id="lab_san_SantanderSpainAndBancoSantanderMember_documentation_en-US" xlink:label="lab_san_SantanderSpainAndBancoSantanderMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Spain And Banco Santander</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderSpainAndBancoSantanderMember" xlink:href="san-20251231.xsd#san_SantanderSpainAndBancoSantanderMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderSpainAndBancoSantanderMember" xlink:to="lab_san_SantanderSpainAndBancoSantanderMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_UnconsolidatedStructuredEntitiesDomain_019ca0fb-cbee-74bb-b789-4a5ac40a9ffa_terseLabel_en-US" xlink:label="lab_ifrs-full_UnconsolidatedStructuredEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unconsolidated structured entities [domain]</link:label>
    <link:label id="lab_ifrs-full_UnconsolidatedStructuredEntitiesDomain_label_en-US" xlink:label="lab_ifrs-full_UnconsolidatedStructuredEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unconsolidated structured entities [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_UnconsolidatedStructuredEntitiesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_UnconsolidatedStructuredEntitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_UnconsolidatedStructuredEntitiesDomain" xlink:to="lab_ifrs-full_UnconsolidatedStructuredEntitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ForeignExchangeRatesAbstract_019ca0fb-cb6b-7a94-a3b6-0a3dad6bc6f6_terseLabel_en-US" xlink:label="lab_ifrs-full_ForeignExchangeRatesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreign exchange rates [abstract]</link:label>
    <link:label id="lab_ifrs-full_ForeignExchangeRatesAbstract_label_en-US" xlink:label="lab_ifrs-full_ForeignExchangeRatesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign exchange rates [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ForeignExchangeRatesAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ForeignExchangeRatesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ForeignExchangeRatesAbstract" xlink:to="lab_ifrs-full_ForeignExchangeRatesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProvisionsForEmployeeBenefits_019ca0fb-cbee-74c4-b0b6-596a395fa678_terseLabel_en-US" xlink:label="lab_ifrs-full_ProvisionsForEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions for employee benefits</link:label>
    <link:label id="lab_ifrs-full_ProvisionsForEmployeeBenefits_label_en-US" xlink:label="lab_ifrs-full_ProvisionsForEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provisions for employee benefits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProvisionsForEmployeeBenefits" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProvisionsForEmployeeBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProvisionsForEmployeeBenefits" xlink:to="lab_ifrs-full_ProvisionsForEmployeeBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInShares_019ca0fb-c94e-70b2-8cdc-5df44be36285_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred payment, long term, percentage paid in shares</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInShares_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Long Term, Percentage Paid In Shares</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInShares_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Long Term, Percentage Paid In Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInShares" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInShares" xlink:to="lab_san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInShares" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CustomerFundsMember_019ca0fb-cc70-78f1-90f0-c4f5c57f3841_terseLabel_en-US" xlink:label="lab_san_CustomerFundsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Customers funds</link:label>
    <link:label id="lab_san_CustomerFundsMember_label_en-US" xlink:label="lab_san_CustomerFundsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Customer Funds [Member]</link:label>
    <link:label id="lab_san_CustomerFundsMember_documentation_en-US" xlink:label="lab_san_CustomerFundsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Customer Funds</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CustomerFundsMember" xlink:href="san-20251231.xsd#san_CustomerFundsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CustomerFundsMember" xlink:to="lab_san_CustomerFundsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProvisionsForTaxesMember_019ca0fb-ca4e-7d70-aefd-4621a966b037_terseLabel_en-US" xlink:label="lab_san_ProvisionsForTaxesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions for taxes</link:label>
    <link:label id="lab_san_ProvisionsForTaxesMember_label_en-US" xlink:label="lab_san_ProvisionsForTaxesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provisions For Taxes [Member]</link:label>
    <link:label id="lab_san_ProvisionsForTaxesMember_documentation_en-US" xlink:label="lab_san_ProvisionsForTaxesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for provisions for taxes.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProvisionsForTaxesMember" xlink:href="san-20251231.xsd#san_ProvisionsForTaxesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProvisionsForTaxesMember" xlink:to="lab_san_ProvisionsForTaxesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MaximumExposureToCreditRisk_019ca0fb-cbee-708a-ad82-8ccf5ddca22e_terseLabel_en-US" xlink:label="lab_ifrs-full_MaximumExposureToCreditRisk" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum exposure to credit risk</link:label>
    <link:label id="lab_ifrs-full_MaximumExposureToCreditRisk_label_en-US" xlink:label="lab_ifrs-full_MaximumExposureToCreditRisk" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum exposure to credit risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MaximumExposureToCreditRisk" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MaximumExposureToCreditRisk"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MaximumExposureToCreditRisk" xlink:to="lab_ifrs-full_MaximumExposureToCreditRisk" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherGainsOrLossesMember_019ca0fb-cbee-7056-9542-62ee29cfa905_terseLabel_en-US" xlink:label="lab_san_OtherGainsOrLossesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other gains (losses)</link:label>
    <link:label id="lab_san_OtherGainsOrLossesMember_label_en-US" xlink:label="lab_san_OtherGainsOrLossesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Gains Or Losses [Member]</link:label>
    <link:label id="lab_san_OtherGainsOrLossesMember_documentation_en-US" xlink:label="lab_san_OtherGainsOrLossesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Gains Or Losses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherGainsOrLossesMember" xlink:href="san-20251231.xsd#san_OtherGainsOrLossesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherGainsOrLossesMember" xlink:to="lab_san_OtherGainsOrLossesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SignificantUnobservableInputAssets_019ca0fb-cbee-702b-abad-73a5f46e50b1_terseLabel_en-US" xlink:label="lab_ifrs-full_SignificantUnobservableInputAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Significant unobservable input, assets</link:label>
    <link:label id="lab_ifrs-full_SignificantUnobservableInputAssets_label_en-US" xlink:label="lab_ifrs-full_SignificantUnobservableInputAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Significant unobservable input, assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SignificantUnobservableInputAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SignificantUnobservableInputAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SignificantUnobservableInputAssets" xlink:to="lab_ifrs-full_SignificantUnobservableInputAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities_019ca0fb-cad3-74ab-8ef1-517aacec3500_terseLabel_en-US" xlink:label="lab_san_AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share in other income and expenses recognised in investments, joint ventures and associates</link:label>
    <link:label id="lab_san_AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities_label_en-US" xlink:label="lab_san_AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amount Recognised In Other Comprehensive Income And Accumulated In Equity Relating To Investments In Associated Entities</link:label>
    <link:label id="lab_san_AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities_documentation_en-US" xlink:label="lab_san_AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The portion of other recognized income and expense of investments in subsidiaries, joint ventures and associated entities that is recognised in other comprehensive income and accumulated in equity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities" xlink:href="san-20251231.xsd#san_AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities" xlink:to="lab_san_AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets_019ca0fb-cc70-7221-9e6c-e91b44e4cf0d_terseLabel_en-US" xlink:label="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CHANGES IN THE FAIR VALUE OF HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK</link:label>
    <link:label id="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets_019ca0fb-cc70-7e03-90dc-182f86793170_verboseLabel_en-US" xlink:label="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</link:label>
    <link:label id="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets_label_en-US" xlink:label="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated fair value hedge adjustment on hedged item included in carrying amount, assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" xlink:to="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EquityAttributableToOwnersOfParentBeforeValuationAdjustments_019ca0fb-ca4e-74da-90aa-b7193c00444a_totalLabel_en-US" xlink:label="lab_san_EquityAttributableToOwnersOfParentBeforeValuationAdjustments" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Shareholders&#8217; equity on public balance sheet</link:label>
    <link:label id="lab_san_EquityAttributableToOwnersOfParentBeforeValuationAdjustments_label_en-US" xlink:label="lab_san_EquityAttributableToOwnersOfParentBeforeValuationAdjustments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Attributable To Owners Of Parent, Before Valuation Adjustments</link:label>
    <link:label id="lab_san_EquityAttributableToOwnersOfParentBeforeValuationAdjustments_documentation_en-US" xlink:label="lab_san_EquityAttributableToOwnersOfParentBeforeValuationAdjustments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Equity Attributable To Owners Of Parent, Before Valuation Adjustments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EquityAttributableToOwnersOfParentBeforeValuationAdjustments" xlink:href="san-20251231.xsd#san_EquityAttributableToOwnersOfParentBeforeValuationAdjustments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EquityAttributableToOwnersOfParentBeforeValuationAdjustments" xlink:to="lab_san_EquityAttributableToOwnersOfParentBeforeValuationAdjustments" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember_019ca0fb-cc70-70f9-b23c-ee6ce1eb3770_verboseLabel_en-US" xlink:label="lab_san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other provisions</link:label>
    <link:label id="lab_san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember_019ca0fb-cc70-7718-8561-6bd0ad54fe21_terseLabel_en-US" xlink:label="lab_san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other provisions</link:label>
    <link:label id="lab_san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember_label_en-US" xlink:label="lab_san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provisions For Taxes And Other Legal Contingencies And Other Provisions [Member]</link:label>
    <link:label id="lab_san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember_documentation_en-US" xlink:label="lab_san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for provisions for taxes and other legal contingencies and other provisions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember" xlink:href="san-20251231.xsd#san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember" xlink:to="lab_san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments_019ca0fb-cbee-702c-92c2-02e61c3aac7e_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable - immediate payment in instruments</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments_019ca0fb-cbee-792b-ba27-32c1cbfceec3_verboseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Variable remuneration in shares</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Share-Based Payment, Variable Immediate Payments</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of variable compensation to key management personnel in the form of share-based payments for short term benefits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments" xlink:to="lab_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TransferFromLiabilitiesToEquity_019ca0fb-cad3-7bc8-b454-3dd55e904a91_terseLabel_en-US" xlink:label="lab_san_TransferFromLiabilitiesToEquity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfer from liabilities to equity</link:label>
    <link:label id="lab_san_TransferFromLiabilitiesToEquity_label_en-US" xlink:label="lab_san_TransferFromLiabilitiesToEquity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfer From Liabilities To Equity</link:label>
    <link:label id="lab_san_TransferFromLiabilitiesToEquity_documentation_en-US" xlink:label="lab_san_TransferFromLiabilitiesToEquity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Transfer From Liabilities To Equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TransferFromLiabilitiesToEquity" xlink:href="san-20251231.xsd#san_TransferFromLiabilitiesToEquity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TransferFromLiabilitiesToEquity" xlink:to="lab_san_TransferFromLiabilitiesToEquity" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration_019ca0fb-c94e-7707-ae28-c527e63cfd3e_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of variable long-term employee benefits, deferred remuneration</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Number Of Variable Long-Term Employee Benefits, Deferred Remuneration</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Number Of Variable Long-Term Employee Benefits, Deferred Remuneration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration" xlink:to="lab_san_KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TypesOfRisksDomain_019ca0fb-cbee-7bc2-962f-f039382b35c6_terseLabel_en-US" xlink:label="lab_ifrs-full_TypesOfRisksDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Types of risks [domain]</link:label>
    <link:label id="lab_ifrs-full_TypesOfRisksDomain_label_en-US" xlink:label="lab_ifrs-full_TypesOfRisksDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Types of risks [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TypesOfRisksDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TypesOfRisksDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TypesOfRisksDomain" xlink:to="lab_ifrs-full_TypesOfRisksDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SAMInvestmentHoldingsLimitedMember_019ca0fb-cc70-73f7-92ae-4dd9e9cf29b6_terseLabel_en-US" xlink:label="lab_san_SAMInvestmentHoldingsLimitedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SAM Investment Holdings Limited</link:label>
    <link:label id="lab_san_SAMInvestmentHoldingsLimitedMember_label_en-US" xlink:label="lab_san_SAMInvestmentHoldingsLimitedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SAM Investment Holdings Limited [Member]</link:label>
    <link:label id="lab_san_SAMInvestmentHoldingsLimitedMember_documentation_en-US" xlink:label="lab_san_SAMInvestmentHoldingsLimitedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">SAM Investment Holdings Limited [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SAMInvestmentHoldingsLimitedMember" xlink:href="san-20251231.xsd#san_SAMInvestmentHoldingsLimitedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SAMInvestmentHoldingsLimitedMember" xlink:to="lab_san_SAMInvestmentHoldingsLimitedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets_019ca0fb-cbee-7dcd-8bbc-c44ae71f37e0_terseLabel_en-US" xlink:label="lab_ifrs-full_RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Recognised assets representing continuing involvement in fully derecognised loans</link:label>
    <link:label id="lab_ifrs-full_RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets_label_en-US" xlink:label="lab_ifrs-full_RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Recognised assets representing continuing involvement in derecognised financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets" xlink:to="lab_ifrs-full_RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProbabilityWeightingValuationTechniqueMember_019ca0fb-cbee-796f-9977-6df392458f10_terseLabel_en-US" xlink:label="lab_san_ProbabilityWeightingValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Probability weighting</link:label>
    <link:label id="lab_san_ProbabilityWeightingValuationTechniqueMember_label_en-US" xlink:label="lab_san_ProbabilityWeightingValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Probability Weighting Valuation Technique [Member]</link:label>
    <link:label id="lab_san_ProbabilityWeightingValuationTechniqueMember_documentation_en-US" xlink:label="lab_san_ProbabilityWeightingValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Probability Weighting Valuation Technique</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProbabilityWeightingValuationTechniqueMember" xlink:href="san-20251231.xsd#san_ProbabilityWeightingValuationTechniqueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProbabilityWeightingValuationTechniqueMember" xlink:to="lab_san_ProbabilityWeightingValuationTechniqueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInJanuary2024Member_019ca0fb-cbee-7149-961e-2af66573f865_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInJanuary2024Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander SA In January 2024</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInJanuary2024Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInJanuary2024Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander SA In January 2024 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInJanuary2024Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInJanuary2024Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander SA In January 2024</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderSAInJanuary2024Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderSAInJanuary2024Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderSAInJanuary2024Member" xlink:to="lab_san_IssuanceByBancoSantanderSAInJanuary2024Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashOnHand_019ca0fb-cad3-7739-8bea-53e3f622445e_terseLabel_en-US" xlink:label="lab_ifrs-full_CashOnHand" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash</link:label>
    <link:label id="lab_ifrs-full_CashOnHand_label_en-US" xlink:label="lab_ifrs-full_CashOnHand" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash on hand</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashOnHand" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CashOnHand"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashOnHand" xlink:to="lab_ifrs-full_CashOnHand" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock_019ca0fb-cb6b-7045-abbd-b19b9869b3f1_terseLabel_en-US" xlink:label="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed cash flow statements</link:label>
    <link:label id="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock_label_en-US" xlink:label="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Cash Flow Statement [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScheduleOfCondensedCashFlowStatementTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:to="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SignificantInvestmentsInSubsidiariesAxis_019ca0fb-cb6b-794e-a029-71cfa224a778_terseLabel_en-US" xlink:label="lab_ifrs-full_SignificantInvestmentsInSubsidiariesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsidiaries [axis]</link:label>
    <link:label id="lab_ifrs-full_SignificantInvestmentsInSubsidiariesAxis_label_en-US" xlink:label="lab_ifrs-full_SignificantInvestmentsInSubsidiariesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsidiaries [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SignificantInvestmentsInSubsidiariesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SignificantInvestmentsInSubsidiariesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SignificantInvestmentsInSubsidiariesAxis" xlink:to="lab_ifrs-full_SignificantInvestmentsInSubsidiariesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfSharePremiumTextBlock_019ca0fb-cb6b-7991-b67a-61491ae60c65_terseLabel_en-US" xlink:label="lab_san_DisclosureOfSharePremiumTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share premium</link:label>
    <link:label id="lab_san_DisclosureOfSharePremiumTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfSharePremiumTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Share Premium [Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfSharePremiumTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfSharePremiumTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The entire disclosure for share premium.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfSharePremiumTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfSharePremiumTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfSharePremiumTextBlock" xlink:to="lab_san_DisclosureOfSharePremiumTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InterestPaidClassifiedAsOperatingActivities_019ca0fb-c94e-72fc-9e9d-213ed72ce9d7_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestPaidClassifiedAsOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest paid</link:label>
    <link:label id="lab_ifrs-full_InterestPaidClassifiedAsOperatingActivities_label_en-US" xlink:label="lab_ifrs-full_InterestPaidClassifiedAsOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest paid, classified as operating activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestPaidClassifiedAsOperatingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InterestPaidClassifiedAsOperatingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestPaidClassifiedAsOperatingActivities" xlink:to="lab_ifrs-full_InterestPaidClassifiedAsOperatingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_SegmentGeographicalDomain_019ca0fb-cc70-7511-8dc9-0d712a937a1c_terseLabel_en-US" xlink:label="lab_srt_SegmentGeographicalDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Geographical [Domain]</link:label>
    <link:label id="lab_srt_SegmentGeographicalDomain_label_en-US" xlink:label="lab_srt_SegmentGeographicalDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Geographical [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_SegmentGeographicalDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_SegmentGeographicalDomain" xlink:to="lab_srt_SegmentGeographicalDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PensionInterestExpenseChargedToProvision_019ca0fb-cb6b-7197-a901-776616be6881_terseLabel_en-US" xlink:label="lab_san_PensionInterestExpenseChargedToProvision" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions for pensions (note&#160;25)</link:label>
    <link:label id="lab_san_PensionInterestExpenseChargedToProvision_label_en-US" xlink:label="lab_san_PensionInterestExpenseChargedToProvision" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pension Interest Expense Charged To Provision</link:label>
    <link:label id="lab_san_PensionInterestExpenseChargedToProvision_documentation_en-US" xlink:label="lab_san_PensionInterestExpenseChargedToProvision" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Pension Interest Expense Charged To Provision</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PensionInterestExpenseChargedToProvision" xlink:href="san-20251231.xsd#san_PensionInterestExpenseChargedToProvision"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PensionInterestExpenseChargedToProvision" xlink:to="lab_san_PensionInterestExpenseChargedToProvision" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_019ca0fb-cb6b-7d60-b66c-01eab68d852f_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FINANCIAL ASSETS HELD FOR TRADING</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_019ca0fb-cb6b-752a-96a4-9fb3038a075a_verboseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Financial assets held for trading</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_019ca0fb-cb6b-7d36-aaed-c5554cfca7a8_netLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Financial assets held for trading</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through profit or loss, classified as held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:to="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset_019ca0fb-ca4e-75be-beb4-5f8ca10e1eea_negatedTotalLabel_en-US" xlink:label="lab_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Actuarial (gains)/losses</link:label>
    <link:label id="lab_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset_019ca0fb-ca4e-78d4-931c-e8299964719e_verboseLabel_en-US" xlink:label="lab_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Actuarial gains/(losses)</link:label>
    <link:label id="lab_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset_019ca0fb-ca4e-74f5-8ede-742734d1284d_terseLabel_en-US" xlink:label="lab_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actuarial gains/(losses)</link:label>
    <link:label id="lab_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Actuarial Gains (Losses) Defined Benefit Liability Asset</link:label>
    <link:label id="lab_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset_documentation_en-US" xlink:label="lab_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The decrease (increase) in a net defined benefit liability (asset) resulting from actuarial gains (losses) that result in remeasurements of the net defined benefit liability (asset).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset" xlink:href="san-20251231.xsd#san_ActuarialGainsLossesDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset" xlink:to="lab_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NetInclusionOfEntitiesInGroupDefinedBenefits_019ca0fb-ca4e-79ff-b3c7-908b74f283b3_verboseLabel_en-US" xlink:label="lab_san_NetInclusionOfEntitiesInGroupDefinedBenefits" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Incorporation of Group companies, net</link:label>
    <link:label id="lab_san_NetInclusionOfEntitiesInGroupDefinedBenefits_019ca0fb-ca4e-763c-b996-60b7908365f2_negatedLabel_en-US" xlink:label="lab_san_NetInclusionOfEntitiesInGroupDefinedBenefits" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Incorporation of Group companies, net</link:label>
    <link:label id="lab_san_NetInclusionOfEntitiesInGroupDefinedBenefits_label_en-US" xlink:label="lab_san_NetInclusionOfEntitiesInGroupDefinedBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Inclusion Of Entities In The Group Defined Benefits</link:label>
    <link:label id="lab_san_NetInclusionOfEntitiesInGroupDefinedBenefits_documentation_en-US" xlink:label="lab_san_NetInclusionOfEntitiesInGroupDefinedBenefits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net inclusion of entities in the Group for defined benefits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NetInclusionOfEntitiesInGroupDefinedBenefits" xlink:href="san-20251231.xsd#san_NetInclusionOfEntitiesInGroupDefinedBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NetInclusionOfEntitiesInGroupDefinedBenefits" xlink:to="lab_san_NetInclusionOfEntitiesInGroupDefinedBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AdditionsAndDisposalsToPropertyPlantAndEquipment_019ca0fb-cbee-778c-b3cf-d7cb34899d38_terseLabel_en-US" xlink:label="lab_san_AdditionsAndDisposalsToPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additions / disposals (net)</link:label>
    <link:label id="lab_san_AdditionsAndDisposalsToPropertyPlantAndEquipment_label_en-US" xlink:label="lab_san_AdditionsAndDisposalsToPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additions And Disposals To Property Plant And Equipment</link:label>
    <link:label id="lab_san_AdditionsAndDisposalsToPropertyPlantAndEquipment_documentation_en-US" xlink:label="lab_san_AdditionsAndDisposalsToPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The net amount of additions or disposals to property, plant and equipment.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AdditionsAndDisposalsToPropertyPlantAndEquipment" xlink:href="san-20251231.xsd#san_AdditionsAndDisposalsToPropertyPlantAndEquipment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AdditionsAndDisposalsToPropertyPlantAndEquipment" xlink:to="lab_san_AdditionsAndDisposalsToPropertyPlantAndEquipment" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NetDefinedBenefitLiabilityAssetDomain_019ca0fb-cc70-7219-b0ca-8559d5fed46a_terseLabel_en-US" xlink:label="lab_ifrs-full_NetDefinedBenefitLiabilityAssetDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net defined benefit liability (asset) [domain]</link:label>
    <link:label id="lab_ifrs-full_NetDefinedBenefitLiabilityAssetDomain_label_en-US" xlink:label="lab_ifrs-full_NetDefinedBenefitLiabilityAssetDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net defined benefit liability (asset) [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NetDefinedBenefitLiabilityAssetDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NetDefinedBenefitLiabilityAssetDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NetDefinedBenefitLiabilityAssetDomain" xlink:to="lab_ifrs-full_NetDefinedBenefitLiabilityAssetDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisposalGroupNameDomain_019d25e6-9b25-72e5-a801-7508a2a27030_terseLabel_en-US" xlink:label="lab_san_DisposalGroupNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disposal Group Name [Domain]</link:label>
    <link:label id="lab_san_DisposalGroupNameDomain_label_en-US" xlink:label="lab_san_DisposalGroupNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group Name [Domain]</link:label>
    <link:label id="lab_san_DisposalGroupNameDomain_documentation_en-US" xlink:label="lab_san_DisposalGroupNameDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disposal Group Name [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisposalGroupNameDomain" xlink:href="san-20251231.xsd#san_DisposalGroupNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisposalGroupNameDomain" xlink:to="lab_san_DisposalGroupNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RestrictedCashAndCashEquivalents_019ca0fb-c9cd-747e-9ae9-375fe655aa92_terseLabel_en-US" xlink:label="lab_ifrs-full_RestrictedCashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">In which, restricted cash</link:label>
    <link:label id="lab_ifrs-full_RestrictedCashAndCashEquivalents_label_en-US" xlink:label="lab_ifrs-full_RestrictedCashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted cash and cash equivalents</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RestrictedCashAndCashEquivalents" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RestrictedCashAndCashEquivalents"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RestrictedCashAndCashEquivalents" xlink:to="lab_ifrs-full_RestrictedCashAndCashEquivalents" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskExplanatory_019ca0fb-c94e-7f01-80f8-1b37a84b17a1_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of maturity analysis of assets and guarantees received and committed</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of maturity analysis for financial assets held for managing liquidity risk [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskExplanatory" xlink:to="lab_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FinancialConductAuthorityFCAReviewOfTheVehicleFinanceMarketMember_019ca0fb-c9cd-77d2-a6b6-2557d5d9558a_terseLabel_en-US" xlink:label="lab_san_FinancialConductAuthorityFCAReviewOfTheVehicleFinanceMarketMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Conduct Authority (FCA) Review of The Vehicle Finance Market</link:label>
    <link:label id="lab_san_FinancialConductAuthorityFCAReviewOfTheVehicleFinanceMarketMember_label_en-US" xlink:label="lab_san_FinancialConductAuthorityFCAReviewOfTheVehicleFinanceMarketMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Conduct Authority (FCA) Review of The Vehicle Finance Market [Member]</link:label>
    <link:label id="lab_san_FinancialConductAuthorityFCAReviewOfTheVehicleFinanceMarketMember_documentation_en-US" xlink:label="lab_san_FinancialConductAuthorityFCAReviewOfTheVehicleFinanceMarketMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial Conduct Authority (FCA) Review of The Vehicle Finance Market</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinancialConductAuthorityFCAReviewOfTheVehicleFinanceMarketMember" xlink:href="san-20251231.xsd#san_FinancialConductAuthorityFCAReviewOfTheVehicleFinanceMarketMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FinancialConductAuthorityFCAReviewOfTheVehicleFinanceMarketMember" xlink:to="lab_san_FinancialConductAuthorityFCAReviewOfTheVehicleFinanceMarketMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherAssetBackedSecuritiesSMEAverageMaturity_019ca0fb-cbee-7b01-842c-f361dacd3e0d_terseLabel_en-US" xlink:label="lab_san_OtherAssetBackedSecuritiesSMEAverageMaturity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other asset - backed securities SME's average maturities</link:label>
    <link:label id="lab_san_OtherAssetBackedSecuritiesSMEAverageMaturity_label_en-US" xlink:label="lab_san_OtherAssetBackedSecuritiesSMEAverageMaturity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Asset Backed Securities SME Average Maturity</link:label>
    <link:label id="lab_san_OtherAssetBackedSecuritiesSMEAverageMaturity_documentation_en-US" xlink:label="lab_san_OtherAssetBackedSecuritiesSMEAverageMaturity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the average maturity for other assets - backed securities SME's.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherAssetBackedSecuritiesSMEAverageMaturity" xlink:href="san-20251231.xsd#san_OtherAssetBackedSecuritiesSMEAverageMaturity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherAssetBackedSecuritiesSMEAverageMaturity" xlink:to="lab_san_OtherAssetBackedSecuritiesSMEAverageMaturity" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InsuranceContractsByComponentsDomain_019ca0fb-c9cd-7d93-bda1-6f78974add44_terseLabel_en-US" xlink:label="lab_ifrs-full_InsuranceContractsByComponentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurance contracts by components</link:label>
    <link:label id="lab_ifrs-full_InsuranceContractsByComponentsDomain_label_en-US" xlink:label="lab_ifrs-full_InsuranceContractsByComponentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance contracts by components [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InsuranceContractsByComponentsDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InsuranceContractsByComponentsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InsuranceContractsByComponentsDomain" xlink:to="lab_ifrs-full_InsuranceContractsByComponentsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_JoseAntonioAlvarezMember_019ca0fb-cbee-73ff-9021-9fa3e66cbb68_terseLabel_en-US" xlink:label="lab_san_JoseAntonioAlvarezMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Jos&#233; Antonio &#193;lvarez</link:label>
    <link:label id="lab_san_JoseAntonioAlvarezMember_019ca0fb-cbee-73aa-b862-f28a38a8418c_verboseLabel_en-US" xlink:label="lab_san_JoseAntonioAlvarezMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Jos&#233; Antonio &#193;lvarez</link:label>
    <link:label id="lab_san_JoseAntonioAlvarezMember_label_en-US" xlink:label="lab_san_JoseAntonioAlvarezMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Jose Antonio Alvarez [Member]</link:label>
    <link:label id="lab_san_JoseAntonioAlvarezMember_documentation_en-US" xlink:label="lab_san_JoseAntonioAlvarezMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The member that represents an individual key personnel named Jose Antonio Alvarez Alvarez.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_JoseAntonioAlvarezMember" xlink:href="san-20251231.xsd#san_JoseAntonioAlvarezMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_JoseAntonioAlvarezMember" xlink:to="lab_san_JoseAntonioAlvarezMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AutoMember_019ca0fb-cad3-7129-ab48-2eeb036e79fa_terseLabel_en-US" xlink:label="lab_san_AutoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Auto</link:label>
    <link:label id="lab_san_AutoMember_label_en-US" xlink:label="lab_san_AutoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Auto [Member]</link:label>
    <link:label id="lab_san_AutoMember_documentation_en-US" xlink:label="lab_san_AutoMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Auto</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AutoMember" xlink:href="san-20251231.xsd#san_AutoMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AutoMember" xlink:to="lab_san_AutoMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AuditorFirmDomain_019ca0fb-c94e-7eac-a1f7-f13b2b0b0a4f_terseLabel_en-US" xlink:label="lab_san_AuditorFirmDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Auditor Firm [Domain]</link:label>
    <link:label id="lab_san_AuditorFirmDomain_label_en-US" xlink:label="lab_san_AuditorFirmDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Auditor Firm [Domain]</link:label>
    <link:label id="lab_san_AuditorFirmDomain_documentation_en-US" xlink:label="lab_san_AuditorFirmDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Auditor Firm [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AuditorFirmDomain" xlink:href="san-20251231.xsd#san_AuditorFirmDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AuditorFirmDomain" xlink:to="lab_san_AuditorFirmDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageEmployeesReduceAveragePurchasePriceOfShares_019ca0fb-cb6b-7abd-bb21-0b0d28c8bdcc_terseLabel_en-US" xlink:label="lab_san_PercentageEmployeesReduceAveragePurchasePriceOfShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage employees may reduce the average purchase and sale prices of shares under the Sharesave Scheme</link:label>
    <link:label id="lab_san_PercentageEmployeesReduceAveragePurchasePriceOfShares_label_en-US" xlink:label="lab_san_PercentageEmployeesReduceAveragePurchasePriceOfShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Employees Reduce Average Purchase Price Of Shares</link:label>
    <link:label id="lab_san_PercentageEmployeesReduceAveragePurchasePriceOfShares_documentation_en-US" xlink:label="lab_san_PercentageEmployeesReduceAveragePurchasePriceOfShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage employees may reduce the average purchase and sale prices of shares under the Sharesave Scheme.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageEmployeesReduceAveragePurchasePriceOfShares" xlink:href="san-20251231.xsd#san_PercentageEmployeesReduceAveragePurchasePriceOfShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageEmployeesReduceAveragePurchasePriceOfShares" xlink:to="lab_san_PercentageEmployeesReduceAveragePurchasePriceOfShares" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PlanosEconomicosMember_019ca0fb-c94e-73d4-a404-ebdd19e3af62_terseLabel_en-US" xlink:label="lab_san_PlanosEconomicosMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">"Planos Econmicos"</link:label>
    <link:label id="lab_san_PlanosEconomicosMember_label_en-US" xlink:label="lab_san_PlanosEconomicosMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Planos Economicos [Member]</link:label>
    <link:label id="lab_san_PlanosEconomicosMember_documentation_en-US" xlink:label="lab_san_PlanosEconomicosMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for "Planos Economicos".</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PlanosEconomicosMember" xlink:href="san-20251231.xsd#san_PlanosEconomicosMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PlanosEconomicosMember" xlink:to="lab_san_PlanosEconomicosMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures_019ca0fb-ca4e-7964-8a45-2f956651c998_totalLabel_en-US" xlink:label="lab_san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Items not reclassified to profit or loss</link:label>
    <link:label id="lab_san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures_label_en-US" xlink:label="lab_san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax Relating To Components Of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Including Share Of OCI Of Associates And Joint Ventures</link:label>
    <link:label id="lab_san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures_documentation_en-US" xlink:label="lab_san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of income tax relating to amounts recognised in other comprehensive income that will not be reclassified to profit or loss including share of OCI of associates and joint ventures accounted for using equity method.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures" xlink:href="san-20251231.xsd#san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures" xlink:to="lab_san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonFinancialCorporationsAndIndividualEntrepreneursMember_019ca0fb-cb6b-75c8-91c8-1ff76550c184_terseLabel_en-US" xlink:label="lab_san_NonFinancialCorporationsAndIndividualEntrepreneursMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-financial corporations and individual entrepreneurs (non-financial business activity)</link:label>
    <link:label id="lab_san_NonFinancialCorporationsAndIndividualEntrepreneursMember_019ca0fb-cb6b-7509-8577-9d857b435773_verboseLabel_en-US" xlink:label="lab_san_NonFinancialCorporationsAndIndividualEntrepreneursMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Non-financial institutions and individual shareholder</link:label>
    <link:label id="lab_san_NonFinancialCorporationsAndIndividualEntrepreneursMember_label_en-US" xlink:label="lab_san_NonFinancialCorporationsAndIndividualEntrepreneursMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non Financial Corporations And Individual Entrepreneurs [Member]</link:label>
    <link:label id="lab_san_NonFinancialCorporationsAndIndividualEntrepreneursMember_documentation_en-US" xlink:label="lab_san_NonFinancialCorporationsAndIndividualEntrepreneursMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for non-financial corporations and individual entrepreneurs (Non-financial business activity) customers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonFinancialCorporationsAndIndividualEntrepreneursMember" xlink:href="san-20251231.xsd#san_NonFinancialCorporationsAndIndividualEntrepreneursMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonFinancialCorporationsAndIndividualEntrepreneursMember" xlink:to="lab_san_NonFinancialCorporationsAndIndividualEntrepreneursMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities_019ca0fb-cbee-7e3a-a65c-8a051a76199a_terseLabel_en-US" xlink:label="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CHANGES IN THE FAIR VALUE OF HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK</link:label>
    <link:label id="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities_019ca0fb-cbee-7c88-ad1e-1ed2ec494db4_netLabel_en-US" xlink:label="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</link:label>
    <link:label id="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities_019ca0fb-cbee-750f-af09-7f06125e11b1_verboseLabel_en-US" xlink:label="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</link:label>
    <link:label id="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities_label_en-US" xlink:label="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated fair value hedge adjustment on hedged item included in carrying amount, liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" xlink:to="lab_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GainsLossesOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax_019ca0fb-cad3-7490-93e9-31a178d0f450_terseLabel_en-US" xlink:label="lab_san_GainsLossesOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revaluation gains (losses)</link:label>
    <link:label id="lab_san_GainsLossesOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax_label_en-US" xlink:label="lab_san_GainsLossesOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (Losses) On Non-Current Assets Classified As Held For Sale, Before Tax</link:label>
    <link:label id="lab_san_GainsLossesOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax_documentation_en-US" xlink:label="lab_san_GainsLossesOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Gains (Losses) On Non-Current Assets Classified As Held For Sale, Before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GainsLossesOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" xlink:href="san-20251231.xsd#san_GainsLossesOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GainsLossesOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" xlink:to="lab_san_GainsLossesOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IFRSStandardPoorsAAARatingMember_019ca0fb-cbee-72c7-ade7-1212a863b777_terseLabel_en-US" xlink:label="lab_san_IFRSStandardPoorsAAARatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">AAA</link:label>
    <link:label id="lab_san_IFRSStandardPoorsAAARatingMember_label_en-US" xlink:label="lab_san_IFRSStandardPoorsAAARatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS Standard Poors AAA Rating [Member]</link:label>
    <link:label id="lab_san_IFRSStandardPoorsAAARatingMember_documentation_en-US" xlink:label="lab_san_IFRSStandardPoorsAAARatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">AAA credit rating as defined by the external credit rating agency, Standard &amp; Poor's.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IFRSStandardPoorsAAARatingMember" xlink:href="san-20251231.xsd#san_IFRSStandardPoorsAAARatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IFRSStandardPoorsAAARatingMember" xlink:to="lab_san_IFRSStandardPoorsAAARatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ImpairedAssetsFinancialInstrumentTypeMember_019ca0fb-c9cd-7f06-ad36-d1ad3171f7cc_terseLabel_en-US" xlink:label="lab_san_ImpairedAssetsFinancialInstrumentTypeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impaired assets</link:label>
    <link:label id="lab_san_ImpairedAssetsFinancialInstrumentTypeMember_label_en-US" xlink:label="lab_san_ImpairedAssetsFinancialInstrumentTypeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impaired Assets Financial Instrument Type [Member]</link:label>
    <link:label id="lab_san_ImpairedAssetsFinancialInstrumentTypeMember_documentation_en-US" xlink:label="lab_san_ImpairedAssetsFinancialInstrumentTypeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to impaired assets, as a type of financial instrument.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ImpairedAssetsFinancialInstrumentTypeMember" xlink:href="san-20251231.xsd#san_ImpairedAssetsFinancialInstrumentTypeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ImpairedAssetsFinancialInstrumentTypeMember" xlink:to="lab_san_ImpairedAssetsFinancialInstrumentTypeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue_019ca0fb-cc70-74de-b758-04a55c51e967_terseLabel_en-US" xlink:label="lab_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through profit or loss</link:label>
    <link:label id="lab_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue_019ca0fb-cc70-7b1d-82ca-4e1d212e2f16_netLabel_en-US" xlink:label="lab_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through profit or loss</link:label>
    <link:label id="lab_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue_label_en-US" xlink:label="lab_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Assets At Fair Value Through Profit Or Loss And Non-Trading Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value</link:label>
    <link:label id="lab_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue_documentation_en-US" xlink:label="lab_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial Assets At Fair Value Through Profit Or Loss And Non-Trading Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:href="san-20251231.xsd#san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:to="lab_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderInsuranceServicesUKLimitedMember_019ca0fb-c94e-79f9-8c84-e78e14d57b3d_terseLabel_en-US" xlink:label="lab_san_SantanderInsuranceServicesUKLimitedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Insurance Services UK Limited</link:label>
    <link:label id="lab_san_SantanderInsuranceServicesUKLimitedMember_label_en-US" xlink:label="lab_san_SantanderInsuranceServicesUKLimitedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Insurance Services UK Limited [Member]</link:label>
    <link:label id="lab_san_SantanderInsuranceServicesUKLimitedMember_documentation_en-US" xlink:label="lab_san_SantanderInsuranceServicesUKLimitedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Insurance Services UK Limited</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderInsuranceServicesUKLimitedMember" xlink:href="san-20251231.xsd#san_SantanderInsuranceServicesUKLimitedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderInsuranceServicesUKLimitedMember" xlink:to="lab_san_SantanderInsuranceServicesUKLimitedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsTable_019ca0fb-c9cd-7e79-b008-f3b8dcd2a944_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of fair value measurement of assets [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of fair value measurement of assets [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfFairValueMeasurementOfAssetsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsTable" xlink:to="lab_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems_019ca0fb-cb6b-7da2-8190-009bb4095b5e_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of initial application of standards or interpretations [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of initial application of standards or interpretations [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems" xlink:to="lab_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfFeeAndCommissionsExpenseTableTextBlock_019ca0fb-cb6b-76e0-8c35-07559efb9008_terseLabel_en-US" xlink:label="lab_san_DisclosureOfFeeAndCommissionsExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of details of fee and commission expense</link:label>
    <link:label id="lab_san_DisclosureOfFeeAndCommissionsExpenseTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfFeeAndCommissionsExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Fee And Commissions Expense [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfFeeAndCommissionsExpenseTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfFeeAndCommissionsExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The tabular disclosure of fees and commissions expense.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfFeeAndCommissionsExpenseTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfFeeAndCommissionsExpenseTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfFeeAndCommissionsExpenseTableTextBlock" xlink:to="lab_san_DisclosureOfFeeAndCommissionsExpenseTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseComparedToLastYearInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability_019ca0fb-ca4e-7829-b7a6-a31e8773bf49_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseComparedToLastYearInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) compared to last year increase in fair value of financial liability</link:label>
    <link:label id="lab_san_IncreaseDecreaseComparedToLastYearInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability_label_en-US" xlink:label="lab_san_IncreaseDecreaseComparedToLastYearInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Compared To Last Year In Fair Value Of Financial Liability, Attributable To Changes In Credit Risk Of Liability</link:label>
    <link:label id="lab_san_IncreaseDecreaseComparedToLastYearInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseComparedToLastYearInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Compared To Last Year In Fair Value Of Financial Liability, Attributable To Changes In Credit Risk Of Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseComparedToLastYearInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" xlink:href="san-20251231.xsd#san_IncreaseDecreaseComparedToLastYearInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseComparedToLastYearInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" xlink:to="lab_san_IncreaseDecreaseComparedToLastYearInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RiskManagementVaRCalculationTimeFrame_019ca0fb-c9cd-7ef8-9762-f4ec10531ee5_terseLabel_en-US" xlink:label="lab_san_RiskManagementVaRCalculationTimeFrame" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Risk management, VaR calculation, time frame</link:label>
    <link:label id="lab_san_RiskManagementVaRCalculationTimeFrame_label_en-US" xlink:label="lab_san_RiskManagementVaRCalculationTimeFrame" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Risk Management, VaR Calculation, Time Frame</link:label>
    <link:label id="lab_san_RiskManagementVaRCalculationTimeFrame_documentation_en-US" xlink:label="lab_san_RiskManagementVaRCalculationTimeFrame" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Risk Management, VaR Calculation, Time Frame</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RiskManagementVaRCalculationTimeFrame" xlink:href="san-20251231.xsd#san_RiskManagementVaRCalculationTimeFrame"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RiskManagementVaRCalculationTimeFrame" xlink:to="lab_san_RiskManagementVaRCalculationTimeFrame" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AccumulatedOtherComprehensiveIncomeMember_019ca0fb-cb6b-7061-a77f-c97ebf5d5fbe_terseLabel_en-US" xlink:label="lab_ifrs-full_AccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_AccumulatedOtherComprehensiveIncomeMember_label_en-US" xlink:label="lab_ifrs-full_AccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated other comprehensive income [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AccumulatedOtherComprehensiveIncomeMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AccumulatedOtherComprehensiveIncomeMember" xlink:to="lab_ifrs-full_AccumulatedOtherComprehensiveIncomeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedDebenturesMember_019ca0fb-cbee-7661-b7d2-99ecb9346181_terseLabel_en-US" xlink:label="lab_san_SubordinatedDebenturesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated debentures</link:label>
    <link:label id="lab_san_SubordinatedDebenturesMember_label_en-US" xlink:label="lab_san_SubordinatedDebenturesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Debentures [Member]</link:label>
    <link:label id="lab_san_SubordinatedDebenturesMember_documentation_en-US" xlink:label="lab_san_SubordinatedDebenturesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Debentures</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedDebenturesMember" xlink:href="san-20251231.xsd#san_SubordinatedDebenturesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedDebenturesMember" xlink:to="lab_san_SubordinatedDebenturesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InvestmentSecurities_019ca0fb-cbee-7858-8e02-be4da96ba5a1_verboseLabel_en-US" xlink:label="lab_san_InvestmentSecurities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Investment securities</link:label>
    <link:label id="lab_san_InvestmentSecurities_label_en-US" xlink:label="lab_san_InvestmentSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment Securities</link:label>
    <link:label id="lab_san_InvestmentSecurities_documentation_en-US" xlink:label="lab_san_InvestmentSecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Investment Securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InvestmentSecurities" xlink:href="san-20251231.xsd#san_InvestmentSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InvestmentSecurities" xlink:to="lab_san_InvestmentSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_UnionDeCreditosInmobiliariosSAEFCMember_019ca0fb-ca4e-736d-9354-ce527d166a91_terseLabel_en-US" xlink:label="lab_san_UnionDeCreditosInmobiliariosSAEFCMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">U.C.I., S.A.</link:label>
    <link:label id="lab_san_UnionDeCreditosInmobiliariosSAEFCMember_label_en-US" xlink:label="lab_san_UnionDeCreditosInmobiliariosSAEFCMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Union De Creditos Inmobiliarios SA EFC [Member]</link:label>
    <link:label id="lab_san_UnionDeCreditosInmobiliariosSAEFCMember_documentation_en-US" xlink:label="lab_san_UnionDeCreditosInmobiliariosSAEFCMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to Union de Creditos Inmobiliarios S.A., EFC.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_UnionDeCreditosInmobiliariosSAEFCMember" xlink:href="san-20251231.xsd#san_UnionDeCreditosInmobiliariosSAEFCMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_UnionDeCreditosInmobiliariosSAEFCMember" xlink:to="lab_san_UnionDeCreditosInmobiliariosSAEFCMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations_019ca0fb-c94e-7446-a46e-4c8f5dceb9d0_terseLabel_en-US" xlink:label="lab_ifrs-full_TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discontinued operations (Note 37)</link:label>
    <link:label id="lab_ifrs-full_TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations_label_en-US" xlink:label="lab_ifrs-full_TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax expense (income) relating to profit (loss) from ordinary activities of discontinued operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations" xlink:to="lab_ifrs-full_TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReserveOfExchangeDifferencesOnTranslation_019ca0fb-cad3-7845-aa6b-cafb3ed456e0_terseLabel_en-US" xlink:label="lab_ifrs-full_ReserveOfExchangeDifferencesOnTranslation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchange differences</link:label>
    <link:label id="lab_ifrs-full_ReserveOfExchangeDifferencesOnTranslation_019ca0fb-cad3-769d-8c8f-69d630c55181_periodStartLabel_en-US" xlink:label="lab_ifrs-full_ReserveOfExchangeDifferencesOnTranslation" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance at beginning of year</link:label>
    <link:label id="lab_ifrs-full_ReserveOfExchangeDifferencesOnTranslation_019ca0fb-cad3-7964-ac80-9502a268b0f6_periodEndLabel_en-US" xlink:label="lab_ifrs-full_ReserveOfExchangeDifferencesOnTranslation" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance at end of year</link:label>
    <link:label id="lab_ifrs-full_ReserveOfExchangeDifferencesOnTranslation_label_en-US" xlink:label="lab_ifrs-full_ReserveOfExchangeDifferencesOnTranslation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reserve of exchange differences on translation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReserveOfExchangeDifferencesOnTranslation" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ReserveOfExchangeDifferencesOnTranslation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReserveOfExchangeDifferencesOnTranslation" xlink:to="lab_ifrs-full_ReserveOfExchangeDifferencesOnTranslation" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BancoPopularsCompensationRequestMember_019ca0fb-ca4e-77ff-8f7f-9f090e129141_terseLabel_en-US" xlink:label="lab_san_BancoPopularsCompensationRequestMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Popular&#8217;s Compensation request</link:label>
    <link:label id="lab_san_BancoPopularsCompensationRequestMember_label_en-US" xlink:label="lab_san_BancoPopularsCompensationRequestMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banco Popular&#8217;s Compensation Request [Member]</link:label>
    <link:label id="lab_san_BancoPopularsCompensationRequestMember_documentation_en-US" xlink:label="lab_san_BancoPopularsCompensationRequestMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Banco Popular&#8217;s Compensation Request</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BancoPopularsCompensationRequestMember" xlink:href="san-20251231.xsd#san_BancoPopularsCompensationRequestMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BancoPopularsCompensationRequestMember" xlink:to="lab_san_BancoPopularsCompensationRequestMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedIssueUSGovernmentBondTerm_019ca0fb-cbee-7df0-a365-4f3fd7493255_terseLabel_en-US" xlink:label="lab_san_SubordinatedIssueUSGovernmentBondTerm" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated issue, US government bond term</link:label>
    <link:label id="lab_san_SubordinatedIssueUSGovernmentBondTerm_label_en-US" xlink:label="lab_san_SubordinatedIssueUSGovernmentBondTerm" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Issue, US Government Bond Term</link:label>
    <link:label id="lab_san_SubordinatedIssueUSGovernmentBondTerm_documentation_en-US" xlink:label="lab_san_SubordinatedIssueUSGovernmentBondTerm" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Issue, US Government Bond Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedIssueUSGovernmentBondTerm" xlink:href="san-20251231.xsd#san_SubordinatedIssueUSGovernmentBondTerm"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedIssueUSGovernmentBondTerm" xlink:to="lab_san_SubordinatedIssueUSGovernmentBondTerm" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForeignCurrencyPurchasesAndSalesMember_019ca0fb-cb6b-71be-b5a1-8cea19d87322_terseLabel_en-US" xlink:label="lab_san_ForeignCurrencyPurchasesAndSalesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreign currency purchases and sales</link:label>
    <link:label id="lab_san_ForeignCurrencyPurchasesAndSalesMember_label_en-US" xlink:label="lab_san_ForeignCurrencyPurchasesAndSalesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign Currency Purchases And Sales [Member]</link:label>
    <link:label id="lab_san_ForeignCurrencyPurchasesAndSalesMember_documentation_en-US" xlink:label="lab_san_ForeignCurrencyPurchasesAndSalesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for foreign currency purchases and sales.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForeignCurrencyPurchasesAndSalesMember" xlink:href="san-20251231.xsd#san_ForeignCurrencyPurchasesAndSalesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForeignCurrencyPurchasesAndSalesMember" xlink:to="lab_san_ForeignCurrencyPurchasesAndSalesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GlobalSystemicallyImportantBanksCapitalBufferPercentage_019ca0fb-cad3-70df-a431-c4cfc5f5200c_terseLabel_en-US" xlink:label="lab_san_GlobalSystemicallyImportantBanksCapitalBufferPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">G-SIB, capital buffer percentage</link:label>
    <link:label id="lab_san_GlobalSystemicallyImportantBanksCapitalBufferPercentage_label_en-US" xlink:label="lab_san_GlobalSystemicallyImportantBanksCapitalBufferPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Global Systemically Important Banks, Capital Buffer Percentage</link:label>
    <link:label id="lab_san_GlobalSystemicallyImportantBanksCapitalBufferPercentage_documentation_en-US" xlink:label="lab_san_GlobalSystemicallyImportantBanksCapitalBufferPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of capital buffer specified in total loss absorbing capacity (TLAC) requirements.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GlobalSystemicallyImportantBanksCapitalBufferPercentage" xlink:href="san-20251231.xsd#san_GlobalSystemicallyImportantBanksCapitalBufferPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GlobalSystemicallyImportantBanksCapitalBufferPercentage" xlink:to="lab_san_GlobalSystemicallyImportantBanksCapitalBufferPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesExplanatory_019ca0fb-ca4e-7fdb-8f31-98ec7b004748_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of related party transactions</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of transactions between related parties [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesExplanatory" xlink:to="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_EquityAndLiabilities_019ca0fb-cb6b-7f92-a22c-c7d555731552_totalLabel_en-US" xlink:label="lab_ifrs-full_EquityAndLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">TOTAL LIABILITIES AND EQUITY</link:label>
    <link:label id="lab_ifrs-full_EquityAndLiabilities_label_en-US" xlink:label="lab_ifrs-full_EquityAndLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity and liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EquityAndLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_EquityAndLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_EquityAndLiabilities" xlink:to="lab_ifrs-full_EquityAndLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_country_US_019ca0fb-cad3-78d7-bd6d-04be21578846_terseLabel_en-US" xlink:label="lab_country_US" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">US</link:label>
    <link:label id="lab_country_US_019ca0fb-cad3-7f20-9218-16e86765e23d_verboseLabel_en-US" xlink:label="lab_country_US" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">United States</link:label>
    <link:label id="lab_country_US_label_en-US" xlink:label="lab_country_US" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">UNITED STATES</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_US" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_US"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_US" xlink:to="lab_country_US" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentAbstract_019ca0fb-cbee-79ee-bd43-4b7d14930bc1_terseLabel_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, plant and equipment [abstract]</link:label>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentAbstract_label_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, plant and equipment [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PropertyPlantAndEquipmentAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PropertyPlantAndEquipmentAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PropertyPlantAndEquipmentAbstract" xlink:to="lab_ifrs-full_PropertyPlantAndEquipmentAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BankOfNewYorkMellonCorporationMember_019ca0fb-c94e-7c32-8066-028a409e6c25_terseLabel_en-US" xlink:label="lab_san_BankOfNewYorkMellonCorporationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bank of New York Mellon Corporation</link:label>
    <link:label id="lab_san_BankOfNewYorkMellonCorporationMember_label_en-US" xlink:label="lab_san_BankOfNewYorkMellonCorporationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Bank Of New York Mellon Corporation [Member]</link:label>
    <link:label id="lab_san_BankOfNewYorkMellonCorporationMember_documentation_en-US" xlink:label="lab_san_BankOfNewYorkMellonCorporationMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to The Bank of New York Mellon Corporation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BankOfNewYorkMellonCorporationMember" xlink:href="san-20251231.xsd#san_BankOfNewYorkMellonCorporationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BankOfNewYorkMellonCorporationMember" xlink:to="lab_san_BankOfNewYorkMellonCorporationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProbabilityOfDefaultPercentageIncreaseFromInitialRecognition_019ca0fb-c9cd-7d78-879f-772f641db18e_terseLabel_en-US" xlink:label="lab_san_ProbabilityOfDefaultPercentageIncreaseFromInitialRecognition" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PD percentage increase from initial recognition</link:label>
    <link:label id="lab_san_ProbabilityOfDefaultPercentageIncreaseFromInitialRecognition_label_en-US" xlink:label="lab_san_ProbabilityOfDefaultPercentageIncreaseFromInitialRecognition" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Probability Of Default, Percentage Increase From Initial Recognition</link:label>
    <link:label id="lab_san_ProbabilityOfDefaultPercentageIncreaseFromInitialRecognition_documentation_en-US" xlink:label="lab_san_ProbabilityOfDefaultPercentageIncreaseFromInitialRecognition" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Probability Of Default, Percentage Increase From Initial Recognition</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProbabilityOfDefaultPercentageIncreaseFromInitialRecognition" xlink:href="san-20251231.xsd#san_ProbabilityOfDefaultPercentageIncreaseFromInitialRecognition"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProbabilityOfDefaultPercentageIncreaseFromInitialRecognition" xlink:to="lab_san_ProbabilityOfDefaultPercentageIncreaseFromInitialRecognition" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_BusinessCombinationsDomain_019ca0fb-cb6b-7f75-854b-113f1a599241_terseLabel_en-US" xlink:label="lab_ifrs-full_BusinessCombinationsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business combinations [domain]</link:label>
    <link:label id="lab_ifrs-full_BusinessCombinationsDomain_label_en-US" xlink:label="lab_ifrs-full_BusinessCombinationsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business combinations [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BusinessCombinationsDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_BusinessCombinationsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BusinessCombinationsDomain" xlink:to="lab_ifrs-full_BusinessCombinationsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory_019ca0fb-cbee-71f2-b26e-820bf40c82f4_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impairment of financial assets</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description of accounting policy for impairment of financial assets [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory" xlink:to="lab_ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OutstandingCommitmentsMadeByEntityRelatedPartyTransactions_019ca0fb-c9cd-71f2-bb68-3837b7276282_terseLabel_en-US" xlink:label="lab_ifrs-full_OutstandingCommitmentsMadeByEntityRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan commitments and Other commitments granted</link:label>
    <link:label id="lab_ifrs-full_OutstandingCommitmentsMadeByEntityRelatedPartyTransactions_label_en-US" xlink:label="lab_ifrs-full_OutstandingCommitmentsMadeByEntityRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Outstanding commitments made by entity, related party transactions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OutstandingCommitmentsMadeByEntityRelatedPartyTransactions" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OutstandingCommitmentsMadeByEntityRelatedPartyTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OutstandingCommitmentsMadeByEntityRelatedPartyTransactions" xlink:to="lab_ifrs-full_OutstandingCommitmentsMadeByEntityRelatedPartyTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonFinancialServicesOtherIncomeOperating_019ca0fb-cad3-739b-b99b-992fe97e1299_terseLabel_en-US" xlink:label="lab_san_NonFinancialServicesOtherIncomeOperating" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non- financial services</link:label>
    <link:label id="lab_san_NonFinancialServicesOtherIncomeOperating_label_en-US" xlink:label="lab_san_NonFinancialServicesOtherIncomeOperating" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Financial Services Other Income Operating</link:label>
    <link:label id="lab_san_NonFinancialServicesOtherIncomeOperating_documentation_en-US" xlink:label="lab_san_NonFinancialServicesOtherIncomeOperating" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of non-financial services operating income that the entity does not separately disclose in the same statement or note.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonFinancialServicesOtherIncomeOperating" xlink:href="san-20251231.xsd#san_NonFinancialServicesOtherIncomeOperating"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonFinancialServicesOtherIncomeOperating" xlink:to="lab_san_NonFinancialServicesOtherIncomeOperating" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets_019ca0fb-c9cd-7e4b-b1b8-068d86f65a0f_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Exchange differences and other items</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets_019ca0fb-c9cd-7ca2-b713-348ea636f3c4_negatedLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Exchange differences and other changes</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets_019ca0fb-c9cd-7b55-a4d7-c595e2b8f328_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchange differences and other</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) through foreign exchange and other movements, financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeterminationOfStage2ClassificationThreshold_019ca0fb-cc70-70e8-8365-21a2ca2721bd_terseLabel_en-US" xlink:label="lab_san_DeterminationOfStage2ClassificationThreshold" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Threshold percentage in determining classification of Stage 2</link:label>
    <link:label id="lab_san_DeterminationOfStage2ClassificationThreshold_label_en-US" xlink:label="lab_san_DeterminationOfStage2ClassificationThreshold" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Determination Of Stage 2 Classification, Threshold</link:label>
    <link:label id="lab_san_DeterminationOfStage2ClassificationThreshold_documentation_en-US" xlink:label="lab_san_DeterminationOfStage2ClassificationThreshold" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Determination Of Stage 2 Classification, Threshold</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeterminationOfStage2ClassificationThreshold" xlink:href="san-20251231.xsd#san_DeterminationOfStage2ClassificationThreshold"/>
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    <link:label id="lab_ifrs-full_InterestRateMeasurementInputMember_019ca0fb-ca4e-799d-80a1-21454f2b7434_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestRateMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate</link:label>
    <link:label id="lab_ifrs-full_InterestRateMeasurementInputMember_label_en-US" xlink:label="lab_ifrs-full_InterestRateMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest rate, measurement input [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestRateMeasurementInputMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InterestRateMeasurementInputMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestRateMeasurementInputMember" xlink:to="lab_ifrs-full_InterestRateMeasurementInputMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod_019ca0fb-cad3-75b7-a925-38713725c579_terseLabel_en-US" xlink:label="lab_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated issue, adjustment to reference rate</link:label>
    <link:label id="lab_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod_label_en-US" xlink:label="lab_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Issue, Adjustment To Interest Rate Basis, Subsequent To Initial Interest Rate Period</link:label>
    <link:label id="lab_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod_documentation_en-US" xlink:label="lab_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The adjustment to the basis (reference rate) used for calculation of the interest rate on the subordinated issue, after the initial interest rate period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" xlink:href="san-20251231.xsd#san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" xlink:to="lab_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LTV40To60PercentMember_019ca0fb-ca4e-7e95-bc59-304fb9f29491_terseLabel_en-US" xlink:label="lab_san_LTV40To60PercentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">More than 40%&#160;and less&#160;than or&#160;equal to 60%</link:label>
    <link:label id="lab_san_LTV40To60PercentMember_label_en-US" xlink:label="lab_san_LTV40To60PercentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">LTV 40 To 60 Percent [Member]</link:label>
    <link:label id="lab_san_LTV40To60PercentMember_documentation_en-US" xlink:label="lab_san_LTV40To60PercentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan-to-value (LTV) ratio from 40 to 60%.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LTV40To60PercentMember" xlink:href="san-20251231.xsd#san_LTV40To60PercentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LTV40To60PercentMember" xlink:to="lab_san_LTV40To60PercentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NotDesignatedItemsByTimePeriodMember_019ca0fb-c94e-7455-8e3c-75abf77aea73_terseLabel_en-US" xlink:label="lab_san_NotDesignatedItemsByTimePeriodMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">A) Not designated elements - linked to a time period</link:label>
    <link:label id="lab_san_NotDesignatedItemsByTimePeriodMember_label_en-US" xlink:label="lab_san_NotDesignatedItemsByTimePeriodMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Not Designated Items, By Time Period [Member]</link:label>
    <link:label id="lab_san_NotDesignatedItemsByTimePeriodMember_documentation_en-US" xlink:label="lab_san_NotDesignatedItemsByTimePeriodMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Not Designated Items, By Time Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NotDesignatedItemsByTimePeriodMember" xlink:href="san-20251231.xsd#san_NotDesignatedItemsByTimePeriodMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NotDesignatedItemsByTimePeriodMember" xlink:to="lab_san_NotDesignatedItemsByTimePeriodMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_JointVenturesDomain_019ca0fb-c94e-755a-9773-f305c0f6ca79_terseLabel_en-US" xlink:label="lab_ifrs-full_JointVenturesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Joint ventures [domain]</link:label>
    <link:label id="lab_ifrs-full_JointVenturesDomain_label_en-US" xlink:label="lab_ifrs-full_JointVenturesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Joint ventures [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_JointVenturesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_JointVenturesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_JointVenturesDomain" xlink:to="lab_ifrs-full_JointVenturesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ComplementaryDividendMember_019ca0fb-cb6b-7017-9d9d-815bcb116d2d_terseLabel_en-US" xlink:label="lab_san_ComplementaryDividendMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Complementary dividend</link:label>
    <link:label id="lab_san_ComplementaryDividendMember_label_en-US" xlink:label="lab_san_ComplementaryDividendMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Complementary Dividend [Member]</link:label>
    <link:label id="lab_san_ComplementaryDividendMember_documentation_en-US" xlink:label="lab_san_ComplementaryDividendMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Complementary Dividend</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ComplementaryDividendMember" xlink:href="san-20251231.xsd#san_ComplementaryDividendMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ComplementaryDividendMember" xlink:to="lab_san_ComplementaryDividendMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInNovember2023SecondSeriesMember_019ca0fb-c9cd-70f9-a465-9dae854efda2_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInNovember2023SecondSeriesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Santander, S.A., November 2023</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInNovember2023SecondSeriesMember_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInNovember2023SecondSeriesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In November 2023, Second Series [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInNovember2023SecondSeriesMember_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInNovember2023SecondSeriesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In November 2023, Second Series</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderSAInNovember2023SecondSeriesMember" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderSAInNovember2023SecondSeriesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderSAInNovember2023SecondSeriesMember" xlink:to="lab_san_IssuanceByBancoSantanderSAInNovember2023SecondSeriesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfBalanceOfPreferenceSharesAndPreferredSecuritiesTableTextBlock_019ca0fb-c9cd-76c1-b820-d8705b10a238_terseLabel_en-US" xlink:label="lab_san_DisclosureOfBalanceOfPreferenceSharesAndPreferredSecuritiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of preferred shares and securities</link:label>
    <link:label id="lab_san_DisclosureOfBalanceOfPreferenceSharesAndPreferredSecuritiesTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfBalanceOfPreferenceSharesAndPreferredSecuritiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Balance Of Preference Shares And Preferred Securities [Table text block]</link:label>
    <link:label id="lab_san_DisclosureOfBalanceOfPreferenceSharesAndPreferredSecuritiesTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfBalanceOfPreferenceSharesAndPreferredSecuritiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of balance of preference shares and preferred securities at the balance sheet date.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfBalanceOfPreferenceSharesAndPreferredSecuritiesTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfBalanceOfPreferenceSharesAndPreferredSecuritiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfBalanceOfPreferenceSharesAndPreferredSecuritiesTableTextBlock" xlink:to="lab_san_DisclosureOfBalanceOfPreferenceSharesAndPreferredSecuritiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ExcessTierOneRiskBasedCapitalSubsidiaries_019ca0fb-cb6b-7756-a2de-83c4476d7d8d_terseLabel_en-US" xlink:label="lab_san_ExcessTierOneRiskBasedCapitalSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">AT1-excesses-subsidiaries</link:label>
    <link:label id="lab_san_ExcessTierOneRiskBasedCapitalSubsidiaries_label_en-US" xlink:label="lab_san_ExcessTierOneRiskBasedCapitalSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Excess Tier One Risk Based Capital, Subsidiaries</link:label>
    <link:label id="lab_san_ExcessTierOneRiskBasedCapitalSubsidiaries_documentation_en-US" xlink:label="lab_san_ExcessTierOneRiskBasedCapitalSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount by which the company's Tier 1 Risk Based Capital exceeds the minimum required for capital adequacy purposes attributable to subsidiaries.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ExcessTierOneRiskBasedCapitalSubsidiaries" xlink:href="san-20251231.xsd#san_ExcessTierOneRiskBasedCapitalSubsidiaries"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ExcessTierOneRiskBasedCapitalSubsidiaries" xlink:to="lab_san_ExcessTierOneRiskBasedCapitalSubsidiaries" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ExposureToCreditRiskNumberOfTranches_019ca0fb-ca4e-75ca-933e-913852d35d8c_terseLabel_en-US" xlink:label="lab_san_ExposureToCreditRiskNumberOfTranches" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of tranches</link:label>
    <link:label id="lab_san_ExposureToCreditRiskNumberOfTranches_label_en-US" xlink:label="lab_san_ExposureToCreditRiskNumberOfTranches" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Exposure To Credit Risk, Number Of Tranches</link:label>
    <link:label id="lab_san_ExposureToCreditRiskNumberOfTranches_documentation_en-US" xlink:label="lab_san_ExposureToCreditRiskNumberOfTranches" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Exposure To Credit Risk, Number Of Tranches</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ExposureToCreditRiskNumberOfTranches" xlink:href="san-20251231.xsd#san_ExposureToCreditRiskNumberOfTranches"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ExposureToCreditRiskNumberOfTranches" xlink:to="lab_san_ExposureToCreditRiskNumberOfTranches" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseInNonPerformingRatioPercent_019ca0fb-cb6b-7ae3-a3d4-3204c482934a_terseLabel_en-US" xlink:label="lab_san_IncreaseInNonPerformingRatioPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage increase in nonperforming ratio</link:label>
    <link:label id="lab_san_IncreaseInNonPerformingRatioPercent_label_en-US" xlink:label="lab_san_IncreaseInNonPerformingRatioPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase In Non-Performing Ratio, Percent</link:label>
    <link:label id="lab_san_IncreaseInNonPerformingRatioPercent_documentation_en-US" xlink:label="lab_san_IncreaseInNonPerformingRatioPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase In Non-Performing Ratio, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseInNonPerformingRatioPercent" xlink:href="san-20251231.xsd#san_IncreaseInNonPerformingRatioPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseInNonPerformingRatioPercent" xlink:to="lab_san_IncreaseInNonPerformingRatioPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains_019ca0fb-cad3-7dd1-bbc3-720aa9bb621f_terseLabel_en-US" xlink:label="lab_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capital gains by valuation</link:label>
    <link:label id="lab_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains_label_en-US" xlink:label="lab_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reserve Of Gains And Losses From Investment In Equity Instruments, Accumulated Gains</link:label>
    <link:label id="lab_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains_documentation_en-US" xlink:label="lab_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The portion of the reserve of gains and losses from investments in equity instruments that represents accumulated revaluation gains.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains" xlink:href="san-20251231.xsd#san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains" xlink:to="lab_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RegulatoryCapitalAdjustmentAccruedDividendOrdinaryProfitAssumptionPercentage_019ca0fb-cad3-7094-b57f-e276bca6c8ec_terseLabel_en-US" xlink:label="lab_san_RegulatoryCapitalAdjustmentAccruedDividendOrdinaryProfitAssumptionPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ordinary profit assumption</link:label>
    <link:label id="lab_san_RegulatoryCapitalAdjustmentAccruedDividendOrdinaryProfitAssumptionPercentage_label_en-US" xlink:label="lab_san_RegulatoryCapitalAdjustmentAccruedDividendOrdinaryProfitAssumptionPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Regulatory Capital Adjustment, Accrued Dividend, Ordinary Profit Assumption, Percentage</link:label>
    <link:label id="lab_san_RegulatoryCapitalAdjustmentAccruedDividendOrdinaryProfitAssumptionPercentage_documentation_en-US" xlink:label="lab_san_RegulatoryCapitalAdjustmentAccruedDividendOrdinaryProfitAssumptionPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Regulatory Capital Adjustment, Accrued Dividend, Ordinary Profit Assumption, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RegulatoryCapitalAdjustmentAccruedDividendOrdinaryProfitAssumptionPercentage" xlink:href="san-20251231.xsd#san_RegulatoryCapitalAdjustmentAccruedDividendOrdinaryProfitAssumptionPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RegulatoryCapitalAdjustmentAccruedDividendOrdinaryProfitAssumptionPercentage" xlink:to="lab_san_RegulatoryCapitalAdjustmentAccruedDividendOrdinaryProfitAssumptionPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_san_UnitedStatesDollarAndColombiaPesoMember_019ca0fb-c9cd-762d-9570-3ee5b230b07b_terseLabel_en-US" xlink:label="lab_san_UnitedStatesDollarAndColombiaPesoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">USD/COP</link:label>
    <link:label id="lab_san_UnitedStatesDollarAndColombiaPesoMember_label_en-US" xlink:label="lab_san_UnitedStatesDollarAndColombiaPesoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">United States Dollar And Colombia Peso [Member]</link:label>
    <link:label id="lab_san_UnitedStatesDollarAndColombiaPesoMember_documentation_en-US" xlink:label="lab_san_UnitedStatesDollarAndColombiaPesoMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">United States Dollar And Colombia Peso</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_UnitedStatesDollarAndColombiaPesoMember" xlink:href="san-20251231.xsd#san_UnitedStatesDollarAndColombiaPesoMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_UnitedStatesDollarAndColombiaPesoMember" xlink:to="lab_san_UnitedStatesDollarAndColombiaPesoMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory_019ca0fb-cb6b-7598-af28-f4c0b4602d03_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions and contingent liabilities (assets)</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description of accounting policy for contingent liabilities and contingent assets [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory" xlink:to="lab_ifrs-full_DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BeneficiariesWithTargetTotalVariableRemunerationBetween17And27MillionEurosMember_019ca0fb-cbee-7311-9b21-f91b71440f76_terseLabel_en-US" xlink:label="lab_san_BeneficiariesWithTargetTotalVariableRemunerationBetween17And27MillionEurosMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Beneficiaries with target total variable remuneration between 1.7 and 2.7 million euros</link:label>
    <link:label id="lab_san_BeneficiariesWithTargetTotalVariableRemunerationBetween17And27MillionEurosMember_label_en-US" xlink:label="lab_san_BeneficiariesWithTargetTotalVariableRemunerationBetween17And27MillionEurosMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Beneficiaries With Target Total Variable Remuneration Between 1.7 And 2.7 Million Euros [Member]</link:label>
    <link:label id="lab_san_BeneficiariesWithTargetTotalVariableRemunerationBetween17And27MillionEurosMember_documentation_en-US" xlink:label="lab_san_BeneficiariesWithTargetTotalVariableRemunerationBetween17And27MillionEurosMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Beneficiaries With Target Total Variable Remuneration Between 1.7 And 2.7 Million Euros</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BeneficiariesWithTargetTotalVariableRemunerationBetween17And27MillionEurosMember" xlink:href="san-20251231.xsd#san_BeneficiariesWithTargetTotalVariableRemunerationBetween17And27MillionEurosMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BeneficiariesWithTargetTotalVariableRemunerationBetween17And27MillionEurosMember" xlink:to="lab_san_BeneficiariesWithTargetTotalVariableRemunerationBetween17And27MillionEurosMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CreditRelatedFeeAndCommissionIncomeCards_019ca0fb-ca4e-740a-8216-ad3edc19c1c7_terseLabel_en-US" xlink:label="lab_san_CreditRelatedFeeAndCommissionIncomeCards" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cards</link:label>
    <link:label id="lab_san_CreditRelatedFeeAndCommissionIncomeCards_label_en-US" xlink:label="lab_san_CreditRelatedFeeAndCommissionIncomeCards" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Related Fee And Commission Income Cards</link:label>
    <link:label id="lab_san_CreditRelatedFeeAndCommissionIncomeCards_documentation_en-US" xlink:label="lab_san_CreditRelatedFeeAndCommissionIncomeCards" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of income recognised from credit-related fees and commissions from cards.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CreditRelatedFeeAndCommissionIncomeCards" xlink:href="san-20251231.xsd#san_CreditRelatedFeeAndCommissionIncomeCards"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CreditRelatedFeeAndCommissionIncomeCards" xlink:to="lab_san_CreditRelatedFeeAndCommissionIncomeCards" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetTable_019ca0fb-cbee-7f37-9555-e05eb28ea839_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of net defined benefit liability (asset) [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of net defined benefit liability (asset) [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetTable" xlink:to="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetTable" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_USD_019ca0fb-cbee-7978-b74b-21dbf51478fd_terseLabel_en-US" xlink:label="lab_currency_USD" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">US dollar</link:label>
    <link:label id="lab_currency_USD_019ca0fb-cbee-7aa4-b4c8-7452a01280b5_verboseLabel_en-US" xlink:label="lab_currency_USD" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">USD</link:label>
    <link:label id="lab_currency_USD_label_en-US" xlink:label="lab_currency_USD" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">United States of America, Dollars</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_USD" xlink:href="https://xbrl.sec.gov/currency/2025/currency-2025.xsd#currency_USD"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_USD" xlink:to="lab_currency_USD" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFairValueOfFinancialInstrumentsExplanatory_019ca0fb-cc70-78ca-beac-e71eef8054a5_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFairValueOfFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value of financial instruments</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFairValueOfFinancialInstrumentsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFairValueOfFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of fair value of financial instruments [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFairValueOfFinancialInstrumentsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfFairValueOfFinancialInstrumentsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFairValueOfFinancialInstrumentsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfFairValueOfFinancialInstrumentsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DilutedEarningsPerShareAbstract_019ca0fb-cbee-7f20-971f-3138095e1994_terseLabel_en-US" xlink:label="lab_ifrs-full_DilutedEarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Diluted earnings per share [abstract]</link:label>
    <link:label id="lab_ifrs-full_DilutedEarningsPerShareAbstract_label_en-US" xlink:label="lab_ifrs-full_DilutedEarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Diluted earnings per share [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DilutedEarningsPerShareAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DilutedEarningsPerShareAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DilutedEarningsPerShareAbstract" xlink:to="lab_ifrs-full_DilutedEarningsPerShareAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CapsFloorsMember_019ca0fb-cb6b-7c73-814e-9e38762c69ee_terseLabel_en-US" xlink:label="lab_san_CapsFloorsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cap&amp;Floor</link:label>
    <link:label id="lab_san_CapsFloorsMember_label_en-US" xlink:label="lab_san_CapsFloorsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Caps/Floors [Member]</link:label>
    <link:label id="lab_san_CapsFloorsMember_documentation_en-US" xlink:label="lab_san_CapsFloorsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Caps/Floors [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CapsFloorsMember" xlink:href="san-20251231.xsd#san_CapsFloorsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CapsFloorsMember" xlink:to="lab_san_CapsFloorsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MiscellaneousAssetsAbstract_019ca0fb-cad3-7645-ba8f-6978c71da708_terseLabel_en-US" xlink:label="lab_ifrs-full_MiscellaneousAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Miscellaneous assets [abstract]</link:label>
    <link:label id="lab_ifrs-full_MiscellaneousAssetsAbstract_label_en-US" xlink:label="lab_ifrs-full_MiscellaneousAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Miscellaneous assets [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MiscellaneousAssetsAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MiscellaneousAssetsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MiscellaneousAssetsAbstract" xlink:to="lab_ifrs-full_MiscellaneousAssetsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedLineItems_019ca0fb-cbee-7052-85a5-8629db9ffee1_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of financial assets that are either past due or impaired [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of financial assets that are either past due or impaired [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedLineItems" xlink:to="lab_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ShareBasedPaymentArrangementSingleEmployeeMinimumNumberOfContracts_019ca0fb-cad3-7234-806d-38b354b01190_terseLabel_en-US" xlink:label="lab_san_ShareBasedPaymentArrangementSingleEmployeeMinimumNumberOfContracts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum number of accounts/contracts per employee</link:label>
    <link:label id="lab_san_ShareBasedPaymentArrangementSingleEmployeeMinimumNumberOfContracts_label_en-US" xlink:label="lab_san_ShareBasedPaymentArrangementSingleEmployeeMinimumNumberOfContracts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Based Payment Arrangement Single Employee Minimum Number Of Contracts</link:label>
    <link:label id="lab_san_ShareBasedPaymentArrangementSingleEmployeeMinimumNumberOfContracts_documentation_en-US" xlink:label="lab_san_ShareBasedPaymentArrangementSingleEmployeeMinimumNumberOfContracts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of accounts/contracts a single employee may have under a share-based payment arrangement.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ShareBasedPaymentArrangementSingleEmployeeMinimumNumberOfContracts" xlink:href="san-20251231.xsd#san_ShareBasedPaymentArrangementSingleEmployeeMinimumNumberOfContracts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ShareBasedPaymentArrangementSingleEmployeeMinimumNumberOfContracts" xlink:to="lab_san_ShareBasedPaymentArrangementSingleEmployeeMinimumNumberOfContracts" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxAsset_019ca0fb-c9cd-743e-a2c3-bf20366c5a1e_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Acquisition for the year (net)</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxAsset_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Business Combinations Deferred Tax Asset</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxAsset_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxAsset" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) in deferred tax asset resulting from business combinations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxAsset" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxAsset" xlink:to="lab_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CorporateLoansMember_019ca0fb-cc70-70e6-bbd1-5a21c7652365_terseLabel_en-US" xlink:label="lab_ifrs-full_CorporateLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Corporate loans</link:label>
    <link:label id="lab_ifrs-full_CorporateLoansMember_019ca0fb-cc70-74cf-8223-22b7a9fec912_verboseLabel_en-US" xlink:label="lab_ifrs-full_CorporateLoansMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Corporates</link:label>
    <link:label id="lab_ifrs-full_CorporateLoansMember_label_en-US" xlink:label="lab_ifrs-full_CorporateLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans to corporate entities [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CorporateLoansMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CorporateLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CorporateLoansMember" xlink:to="lab_ifrs-full_CorporateLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity_019ca0fb-cb6b-70fc-8971-afa4a46bd3c2_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Others increases or (-) decreases in equity</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) through other changes, equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CategoriesOfFinancialLiabilitiesDomain_019ca0fb-cad3-7d8c-9ac4-bb7d181ea706_terseLabel_en-US" xlink:label="lab_ifrs-full_CategoriesOfFinancialLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Categories of financial liabilities [domain]</link:label>
    <link:label id="lab_ifrs-full_CategoriesOfFinancialLiabilitiesDomain_label_en-US" xlink:label="lab_ifrs-full_CategoriesOfFinancialLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Categories of financial liabilities [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CategoriesOfFinancialLiabilitiesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CategoriesOfFinancialLiabilitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CategoriesOfFinancialLiabilitiesDomain" xlink:to="lab_ifrs-full_CategoriesOfFinancialLiabilitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector_019ca0fb-cb6b-7324-8860-6e8f3397ad24_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Annual emoluments, per director</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Director Compensation, Per Director</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Director Compensation, Per Director</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector" xlink:to="lab_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfRelatedPartyExplanatory_019ca0fb-cbee-792a-9c56-02e8f0b2745b_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfRelatedPartyExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related parties</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfRelatedPartyExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfRelatedPartyExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of related party [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfRelatedPartyExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfRelatedPartyExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfRelatedPartyExplanatory" xlink:to="lab_ifrs-full_DisclosureOfRelatedPartyExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill_019ca0fb-cc70-7a60-abbc-591a7777b143_negatedLabel_en-US" xlink:label="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Intangible assets</link:label>
    <link:label id="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill_label_en-US" xlink:label="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment loss recognised in profit or loss, intangible assets and goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" xlink:to="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_Level3OfFairValueHierarchyMember_019ca0fb-c94e-7d13-8fa2-86dda0803f1e_terseLabel_en-US" xlink:label="lab_ifrs-full_Level3OfFairValueHierarchyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Level&#160;3</link:label>
    <link:label id="lab_ifrs-full_Level3OfFairValueHierarchyMember_label_en-US" xlink:label="lab_ifrs-full_Level3OfFairValueHierarchyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Level 3 of fair value hierarchy [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_Level3OfFairValueHierarchyMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_Level3OfFairValueHierarchyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_Level3OfFairValueHierarchyMember" xlink:to="lab_ifrs-full_Level3OfFairValueHierarchyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfIFRSStatementTable_019ca0fb-c94e-7404-9dfe-f0c5dc721fa3_terseLabel_en-US" xlink:label="lab_san_DisclosureOfIFRSStatementTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">IFRS Statement [Table]</link:label>
    <link:label id="lab_san_DisclosureOfIFRSStatementTable_label_en-US" xlink:label="lab_san_DisclosureOfIFRSStatementTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of IFRS Statement [Table]</link:label>
    <link:label id="lab_san_DisclosureOfIFRSStatementTable_documentation_en-US" xlink:label="lab_san_DisclosureOfIFRSStatementTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Schedule reflecting a Statement of Income, Statement of Cash Flows, Statement of Financial Position, or other statement as needed.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfIFRSStatementTable" xlink:href="san-20251231.xsd#san_DisclosureOfIFRSStatementTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfIFRSStatementTable" xlink:to="lab_san_DisclosureOfIFRSStatementTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome_019ca0fb-ca4e-7921-97a7-d613569c1682_totalLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income tax relating to components of other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome" xlink:to="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FinancialLiabilitiesAttributableToShortSales_019ca0fb-cb6b-7573-91eb-142643ef5f53_terseLabel_en-US" xlink:label="lab_san_FinancialLiabilitiesAttributableToShortSales" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Short sales</link:label>
    <link:label id="lab_san_FinancialLiabilitiesAttributableToShortSales_label_en-US" xlink:label="lab_san_FinancialLiabilitiesAttributableToShortSales" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Liabilities Attributable To Short Sales</link:label>
    <link:label id="lab_san_FinancialLiabilitiesAttributableToShortSales_documentation_en-US" xlink:label="lab_san_FinancialLiabilitiesAttributableToShortSales" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of financial liabilities attributable to short sales.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinancialLiabilitiesAttributableToShortSales" xlink:href="san-20251231.xsd#san_FinancialLiabilitiesAttributableToShortSales"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FinancialLiabilitiesAttributableToShortSales" xlink:to="lab_san_FinancialLiabilitiesAttributableToShortSales" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableRemunerationOptionsVestingPeriod_019ca0fb-ca4e-7d5b-8290-39fee0cf995a_terseLabel_en-US" xlink:label="lab_san_DeferredVariableRemunerationOptionsVestingPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Options, vesting period</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationOptionsVestingPeriod_label_en-US" xlink:label="lab_san_DeferredVariableRemunerationOptionsVestingPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Options, Vesting Period</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationOptionsVestingPeriod_documentation_en-US" xlink:label="lab_san_DeferredVariableRemunerationOptionsVestingPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Options, Vesting Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableRemunerationOptionsVestingPeriod" xlink:href="san-20251231.xsd#san_DeferredVariableRemunerationOptionsVestingPeriod"/>
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    <link:label id="lab_san_GroupLiquidityCoverageRatio_019ca0fb-cad3-7daf-a556-9b5128137e4a_terseLabel_en-US" xlink:label="lab_san_GroupLiquidityCoverageRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Group LCR ratio (%)</link:label>
    <link:label id="lab_san_GroupLiquidityCoverageRatio_label_en-US" xlink:label="lab_san_GroupLiquidityCoverageRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Group Liquidity Coverage Ratio</link:label>
    <link:label id="lab_san_GroupLiquidityCoverageRatio_documentation_en-US" xlink:label="lab_san_GroupLiquidityCoverageRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Group Liquidity Coverage Ratio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GroupLiquidityCoverageRatio" xlink:href="san-20251231.xsd#san_GroupLiquidityCoverageRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GroupLiquidityCoverageRatio" xlink:to="lab_san_GroupLiquidityCoverageRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainLossRecognisedOnMeasurementToFairValueLessCostsToSellOrOnDisposalOfAssetsOrDisposalGroupsConstitutingDiscontinuedOperation_019d2548-18bd-7fcc-a8c0-32e6bc4d286a_terseLabel_en-US" xlink:label="lab_ifrs-full_GainLossRecognisedOnMeasurementToFairValueLessCostsToSellOrOnDisposalOfAssetsOrDisposalGroupsConstitutingDiscontinuedOperation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gain (loss) recognised on measurement to fair value less costs to sell or on disposal of assets or disposal groups constituting discontinued operation</link:label>
    <link:label id="lab_ifrs-full_GainLossRecognisedOnMeasurementToFairValueLessCostsToSellOrOnDisposalOfAssetsOrDisposalGroupsConstitutingDiscontinuedOperation_label_en-US" xlink:label="lab_ifrs-full_GainLossRecognisedOnMeasurementToFairValueLessCostsToSellOrOnDisposalOfAssetsOrDisposalGroupsConstitutingDiscontinuedOperation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (loss) recognised on measurement to fair value less costs to sell or on disposal of assets or disposal groups constituting discontinued operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainLossRecognisedOnMeasurementToFairValueLessCostsToSellOrOnDisposalOfAssetsOrDisposalGroupsConstitutingDiscontinuedOperation" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainLossRecognisedOnMeasurementToFairValueLessCostsToSellOrOnDisposalOfAssetsOrDisposalGroupsConstitutingDiscontinuedOperation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainLossRecognisedOnMeasurementToFairValueLessCostsToSellOrOnDisposalOfAssetsOrDisposalGroupsConstitutingDiscontinuedOperation" xlink:to="lab_ifrs-full_GainLossRecognisedOnMeasurementToFairValueLessCostsToSellOrOnDisposalOfAssetsOrDisposalGroupsConstitutingDiscontinuedOperation" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_UnobservableInputsAxis_019ca0fb-cbee-754b-86cc-dc4ab9b4cc41_terseLabel_en-US" xlink:label="lab_ifrs-full_UnobservableInputsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unobservable inputs [axis]</link:label>
    <link:label id="lab_ifrs-full_UnobservableInputsAxis_label_en-US" xlink:label="lab_ifrs-full_UnobservableInputsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unobservable inputs [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_UnobservableInputsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_UnobservableInputsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_UnobservableInputsAxis" xlink:to="lab_ifrs-full_UnobservableInputsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfClassesOfShareCapitalTable_019ca0fb-cbee-71a6-8e3e-ffe687bbe3c9_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfClassesOfShareCapitalTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of classes of share capital [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfClassesOfShareCapitalTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfClassesOfShareCapitalTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of classes of share capital [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfClassesOfShareCapitalTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfClassesOfShareCapitalTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfClassesOfShareCapitalTable" xlink:to="lab_ifrs-full_DisclosureOfClassesOfShareCapitalTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SPIRESACompartment2023374Member_019ca0fb-c94e-78b1-9687-ec7af1c678cc_terseLabel_en-US" xlink:label="lab_san_SPIRESACompartment2023374Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SPIRE SA Compartment 2023-374</link:label>
    <link:label id="lab_san_SPIRESACompartment2023374Member_label_en-US" xlink:label="lab_san_SPIRESACompartment2023374Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SPIRE SA Compartment 2023-374 [Member]</link:label>
    <link:label id="lab_san_SPIRESACompartment2023374Member_documentation_en-US" xlink:label="lab_san_SPIRESACompartment2023374Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">SPIRE SA Compartment 2023-374</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SPIRESACompartment2023374Member" xlink:href="san-20251231.xsd#san_SPIRESACompartment2023374Member"/>
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    <link:label id="lab_ifrs-full_DecreaseThroughWriteoffFinancialAssets_019ca0fb-cb6b-7630-8d20-8d882960739b_verboseLabel_en-US" xlink:label="lab_ifrs-full_DecreaseThroughWriteoffFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Assets written off</link:label>
    <link:label id="lab_ifrs-full_DecreaseThroughWriteoffFinancialAssets_label_en-US" xlink:label="lab_ifrs-full_DecreaseThroughWriteoffFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease through write-off, financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DecreaseThroughWriteoffFinancialAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DecreaseThroughWriteoffFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DecreaseThroughWriteoffFinancialAssets" xlink:to="lab_ifrs-full_DecreaseThroughWriteoffFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LegalCaseRelatedToInfringementNoticesInitiatedByTaxAuthoritiesRegardingOffsettingTaxLossesMember_019ca0fb-cbee-7cdd-ae17-3e79d3140e97_terseLabel_en-US" xlink:label="lab_san_LegalCaseRelatedToInfringementNoticesInitiatedByTaxAuthoritiesRegardingOffsettingTaxLossesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal case related to infringement notices initiated by tax authorities regarding the offsetting of tax losses</link:label>
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    <link:label id="lab_san_LegalCaseRelatedToInfringementNoticesInitiatedByTaxAuthoritiesRegardingOffsettingTaxLossesMember_documentation_en-US" xlink:label="lab_san_LegalCaseRelatedToInfringementNoticesInitiatedByTaxAuthoritiesRegardingOffsettingTaxLossesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Legal Case Related To Infringement Notices Initiated By Tax Authorities Regarding Offsetting Tax Losses [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LegalCaseRelatedToInfringementNoticesInitiatedByTaxAuthoritiesRegardingOffsettingTaxLossesMember" xlink:href="san-20251231.xsd#san_LegalCaseRelatedToInfringementNoticesInitiatedByTaxAuthoritiesRegardingOffsettingTaxLossesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LegalCaseRelatedToInfringementNoticesInitiatedByTaxAuthoritiesRegardingOffsettingTaxLossesMember" xlink:to="lab_san_LegalCaseRelatedToInfringementNoticesInitiatedByTaxAuthoritiesRegardingOffsettingTaxLossesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DefinedBenefitPlansServiceCost_019ca0fb-c9cd-7db1-ab41-be3d42e41240_terseLabel_en-US" xlink:label="lab_san_DefinedBenefitPlansServiceCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current service cost</link:label>
    <link:label id="lab_san_DefinedBenefitPlansServiceCost_label_en-US" xlink:label="lab_san_DefinedBenefitPlansServiceCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plans, Service Cost</link:label>
    <link:label id="lab_san_DefinedBenefitPlansServiceCost_documentation_en-US" xlink:label="lab_san_DefinedBenefitPlansServiceCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of service cost expense recognized related to defined benefit plan.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DefinedBenefitPlansServiceCost" xlink:href="san-20251231.xsd#san_DefinedBenefitPlansServiceCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DefinedBenefitPlansServiceCost" xlink:to="lab_san_DefinedBenefitPlansServiceCost" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherMarketRiskMember_019ca0fb-ca4e-7b64-828d-d3bb0eb29a87_terseLabel_en-US" xlink:label="lab_san_OtherMarketRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_san_OtherMarketRiskMember_label_en-US" xlink:label="lab_san_OtherMarketRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Market Risk [Member]</link:label>
    <link:label id="lab_san_OtherMarketRiskMember_documentation_en-US" xlink:label="lab_san_OtherMarketRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for all other market risks, except trading risk.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherMarketRiskMember" xlink:href="san-20251231.xsd#san_OtherMarketRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherMarketRiskMember" xlink:to="lab_san_OtherMarketRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfFinancialInformationOnMainAssociatesAndJointVenturesTableTextBlock_019ca0fb-cad3-785a-81df-346225fc8bb0_terseLabel_en-US" xlink:label="lab_san_DisclosureOfFinancialInformationOnMainAssociatesAndJointVenturesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of financial information on the main associates and joint ventures</link:label>
    <link:label id="lab_san_DisclosureOfFinancialInformationOnMainAssociatesAndJointVenturesTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfFinancialInformationOnMainAssociatesAndJointVenturesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Financial Information On Main Associates And Joint Ventures [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfFinancialInformationOnMainAssociatesAndJointVenturesTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfFinancialInformationOnMainAssociatesAndJointVenturesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular Summary Of Financial Information on Main Associates and Joint Ventures.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfFinancialInformationOnMainAssociatesAndJointVenturesTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfFinancialInformationOnMainAssociatesAndJointVenturesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfFinancialInformationOnMainAssociatesAndJointVenturesTableTextBlock" xlink:to="lab_san_DisclosureOfFinancialInformationOnMainAssociatesAndJointVenturesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RevaluationSurplus_019ca0fb-c9cd-790c-a85d-8503e04fdc31_terseLabel_en-US" xlink:label="lab_ifrs-full_RevaluationSurplus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">REVALUATION RESERVES</link:label>
    <link:label id="lab_ifrs-full_RevaluationSurplus_019ca0fb-c9cd-713c-b5a1-e0ebedce30fe_verboseLabel_en-US" xlink:label="lab_ifrs-full_RevaluationSurplus" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Revaluation reserve Royal Decree-Law 7/1996</link:label>
    <link:label id="lab_ifrs-full_RevaluationSurplus_label_en-US" xlink:label="lab_ifrs-full_RevaluationSurplus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revaluation surplus</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RevaluationSurplus" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RevaluationSurplus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RevaluationSurplus" xlink:to="lab_ifrs-full_RevaluationSurplus" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BancoSantanderInternationalSAMember_019ca0fb-c9cd-775e-99c6-a6dd6883dcc1_terseLabel_en-US" xlink:label="lab_san_BancoSantanderInternationalSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Santander International SA (former Banco Santander (Suisse) S.A)</link:label>
    <link:label id="lab_san_BancoSantanderInternationalSAMember_label_en-US" xlink:label="lab_san_BancoSantanderInternationalSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banco Santander International SA [Member]</link:label>
    <link:label id="lab_san_BancoSantanderInternationalSAMember_documentation_en-US" xlink:label="lab_san_BancoSantanderInternationalSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Banco Santander International SA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BancoSantanderInternationalSAMember" xlink:href="san-20251231.xsd#san_BancoSantanderInternationalSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BancoSantanderInternationalSAMember" xlink:to="lab_san_BancoSantanderInternationalSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfSensitivityAnalysisOfConsolidatedEquityAndProfitOf1AppreciationDepreciationOfEuroTableTextBlock_019ca0fb-ca4e-71b5-b368-9df154a18240_terseLabel_en-US" xlink:label="lab_san_ScheduleOfSensitivityAnalysisOfConsolidatedEquityAndProfitOf1AppreciationDepreciationOfEuroTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of estimated effect of a 1% change in the euro against the corresponding currency</link:label>
    <link:label id="lab_san_ScheduleOfSensitivityAnalysisOfConsolidatedEquityAndProfitOf1AppreciationDepreciationOfEuroTableTextBlock_label_en-US" xlink:label="lab_san_ScheduleOfSensitivityAnalysisOfConsolidatedEquityAndProfitOf1AppreciationDepreciationOfEuroTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Sensitivity Analysis Of Consolidated Equity And Profit Of 1% Appreciation/Depreciation Of Euro [Table Text Block]</link:label>
    <link:label id="lab_san_ScheduleOfSensitivityAnalysisOfConsolidatedEquityAndProfitOf1AppreciationDepreciationOfEuroTableTextBlock_documentation_en-US" xlink:label="lab_san_ScheduleOfSensitivityAnalysisOfConsolidatedEquityAndProfitOf1AppreciationDepreciationOfEuroTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of a sensitivity analysis showing the estimated effect of changes in the foreign currency on consolidated equity and consolidated profit.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfSensitivityAnalysisOfConsolidatedEquityAndProfitOf1AppreciationDepreciationOfEuroTableTextBlock" xlink:href="san-20251231.xsd#san_ScheduleOfSensitivityAnalysisOfConsolidatedEquityAndProfitOf1AppreciationDepreciationOfEuroTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfSensitivityAnalysisOfConsolidatedEquityAndProfitOf1AppreciationDepreciationOfEuroTableTextBlock" xlink:to="lab_san_ScheduleOfSensitivityAnalysisOfConsolidatedEquityAndProfitOf1AppreciationDepreciationOfEuroTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderUSAutoMember_019ca0fb-c9cd-7d22-a9d2-ead68ec3181b_terseLabel_en-US" xlink:label="lab_san_SantanderUSAutoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander US Auto</link:label>
    <link:label id="lab_san_SantanderUSAutoMember_label_en-US" xlink:label="lab_san_SantanderUSAutoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander US Auto [Member]</link:label>
    <link:label id="lab_san_SantanderUSAutoMember_documentation_en-US" xlink:label="lab_san_SantanderUSAutoMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander US Auto</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderUSAutoMember" xlink:href="san-20251231.xsd#san_SantanderUSAutoMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderUSAutoMember" xlink:to="lab_san_SantanderUSAutoMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember_019ca0fb-cb6b-7090-b035-73308cd811af_terseLabel_en-US" xlink:label="lab_san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Post-employment&#160;plans</link:label>
    <link:label id="lab_san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember_019ca0fb-cb6b-7b51-a6f2-775c87b722db_netLabel_en-US" xlink:label="lab_san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Post employment plans</link:label>
    <link:label id="lab_san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember_label_en-US" xlink:label="lab_san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pensions And Other Employment Defined Benefit Obligations Provision [Member]</link:label>
    <link:label id="lab_san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember_documentation_en-US" xlink:label="lab_san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents the provision for pensions and other employment defined benefit obligations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember" xlink:href="san-20251231.xsd#san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember" xlink:to="lab_san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CurrentTaxExpenseIncomeRelatedToPillarTwoIncomeTaxes_019ca0fb-cc70-7c38-a145-e5228eda2cbe_terseLabel_en-US" xlink:label="lab_ifrs-full_CurrentTaxExpenseIncomeRelatedToPillarTwoIncomeTaxes" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Global minimum tax Pillar Two</link:label>
    <link:label id="lab_ifrs-full_CurrentTaxExpenseIncomeRelatedToPillarTwoIncomeTaxes_label_en-US" xlink:label="lab_ifrs-full_CurrentTaxExpenseIncomeRelatedToPillarTwoIncomeTaxes" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current tax expense (income), related to Pillar Two income taxes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CurrentTaxExpenseIncomeRelatedToPillarTwoIncomeTaxes" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CurrentTaxExpenseIncomeRelatedToPillarTwoIncomeTaxes"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CurrentTaxExpenseIncomeRelatedToPillarTwoIncomeTaxes" xlink:to="lab_ifrs-full_CurrentTaxExpenseIncomeRelatedToPillarTwoIncomeTaxes" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInJanuary2020Member_019ca0fb-cb6b-7b24-adef-65e2fde5bec9_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInJanuary2020Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Santander, S.A., January 2020</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInJanuary2020Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInJanuary2020Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In January 2020 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInJanuary2020Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInJanuary2020Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In January 2020</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderSAInJanuary2020Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderSAInJanuary2020Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderSAInJanuary2020Member" xlink:to="lab_san_IssuanceByBancoSantanderSAInJanuary2020Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BaseRiskMember_019ca0fb-c94e-7151-85af-50f238fe67d7_terseLabel_en-US" xlink:label="lab_san_BaseRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Base risk</link:label>
    <link:label id="lab_san_BaseRiskMember_label_en-US" xlink:label="lab_san_BaseRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Base Risk [Member]</link:label>
    <link:label id="lab_san_BaseRiskMember_documentation_en-US" xlink:label="lab_san_BaseRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Base Risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BaseRiskMember" xlink:href="san-20251231.xsd#san_BaseRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BaseRiskMember" xlink:to="lab_san_BaseRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_StructuredNotesMember_019ca0fb-cb6b-7280-b871-aa2dde4c1fa7_terseLabel_en-US" xlink:label="lab_san_StructuredNotesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Structured Notes</link:label>
    <link:label id="lab_san_StructuredNotesMember_label_en-US" xlink:label="lab_san_StructuredNotesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Structured Notes [Member]</link:label>
    <link:label id="lab_san_StructuredNotesMember_documentation_en-US" xlink:label="lab_san_StructuredNotesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Structured Notes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_StructuredNotesMember" xlink:href="san-20251231.xsd#san_StructuredNotesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_StructuredNotesMember" xlink:to="lab_san_StructuredNotesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesLineItems_019ca0fb-cb6b-791d-841e-0c54dcaa2041_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of maturity analysis for non-derivative financial liabilities [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of maturity analysis for non-derivative financial liabilities [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesLineItems" xlink:to="lab_ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome_019ca0fb-c9cd-7d03-9d97-ccbde239b26a_terseLabel_en-US" xlink:label="lab_san_NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minorities, taxes and others</link:label>
    <link:label id="lab_san_NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome_label_en-US" xlink:label="lab_san_NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Controlling Interest Relating To Cash Flow Hedges Of Other Comprehensive Income</link:label>
    <link:label id="lab_san_NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome_documentation_en-US" xlink:label="lab_san_NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of minorities relating to amounts recognised in other comprehensive income in relation to cash flow hedges.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome" xlink:href="san-20251231.xsd#san_NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome" xlink:to="lab_san_NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BrazilAndOpenbankSegmentMember_019d2553-4810-7b44-9ebc-0e19891b1d97_terseLabel_en-US" xlink:label="lab_san_BrazilAndOpenbankSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Brazil And Openbank Segment</link:label>
    <link:label id="lab_san_BrazilAndOpenbankSegmentMember_label_en-US" xlink:label="lab_san_BrazilAndOpenbankSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Brazil And Openbank Segment [Member]</link:label>
    <link:label id="lab_san_BrazilAndOpenbankSegmentMember_documentation_en-US" xlink:label="lab_san_BrazilAndOpenbankSegmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Brazil And Openbank Segment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BrazilAndOpenbankSegmentMember" xlink:href="san-20251231.xsd#san_BrazilAndOpenbankSegmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BrazilAndOpenbankSegmentMember" xlink:to="lab_san_BrazilAndOpenbankSegmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan_019ca0fb-ca4e-7bea-af62-96c97a79aaf9_terseLabel_en-US" xlink:label="lab_san_PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value of plan, initial achievement</link:label>
    <link:label id="lab_san_PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan_label_en-US" xlink:label="lab_san_PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Fair Value Of Initial Achievement Of Performance Share Plan</link:label>
    <link:label id="lab_san_PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan_documentation_en-US" xlink:label="lab_san_PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair value of performance plan as a percentage of the maximum initial achievement ratio.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan" xlink:href="san-20251231.xsd#san_PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan" xlink:to="lab_san_PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CertainFinancialAssets_019ca0fb-cc70-7460-ab55-56228dfbfb4f_totalLabel_en-US" xlink:label="lab_san_CertainFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total certain assets</link:label>
    <link:label id="lab_san_CertainFinancialAssets_label_en-US" xlink:label="lab_san_CertainFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Certain Financial Assets</link:label>
    <link:label id="lab_san_CertainFinancialAssets_documentation_en-US" xlink:label="lab_san_CertainFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The total of certain assets from the balance sheet including Cash, cash balances at central banks and other deposits on demand; Financial assets available-for-sale; loans and receivables and investments held-to-maturity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CertainFinancialAssets" xlink:href="san-20251231.xsd#san_CertainFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CertainFinancialAssets" xlink:to="lab_san_CertainFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets_019ca0fb-cb6b-771d-bc1f-52e8e623e11d_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in the scope of consolidation</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Changes In Scope Of Consolidation Financial Assets</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of increase (decrease) in financial assets due to changes in the scope of consolidation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets" xlink:to="lab_san_IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanThirteenthCycle2023Member_019ca0fb-cad3-77d3-920d-02059aff3dfe_terseLabel_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanThirteenthCycle2023Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan Twelfth Cycle 2023</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanThirteenthCycle2023Member_label_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanThirteenthCycle2023Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan Thirteenth Cycle 2023 [Member]</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanThirteenthCycle2023Member_documentation_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanThirteenthCycle2023Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan Thirteenth Cycle 2023</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredConditionalVariableRemunerationPlanThirteenthCycle2023Member" xlink:href="san-20251231.xsd#san_DeferredConditionalVariableRemunerationPlanThirteenthCycle2023Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredConditionalVariableRemunerationPlanThirteenthCycle2023Member" xlink:to="lab_san_DeferredConditionalVariableRemunerationPlanThirteenthCycle2023Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SCGermanyS.A.CompartmentConsumer20242Member_019ca0fb-c94e-7917-bcb5-6733787168a5_terseLabel_en-US" xlink:label="lab_san_SCGermanyS.A.CompartmentConsumer20242Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SC Germany S.A., Compartment Consumer 2024-2</link:label>
    <link:label id="lab_san_SCGermanyS.A.CompartmentConsumer20242Member_label_en-US" xlink:label="lab_san_SCGermanyS.A.CompartmentConsumer20242Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SC Germany S.A., Compartment Consumer 2024-2 [Member]</link:label>
    <link:label id="lab_san_SCGermanyS.A.CompartmentConsumer20242Member_documentation_en-US" xlink:label="lab_san_SCGermanyS.A.CompartmentConsumer20242Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">SC Germany S.A., Compartment Consumer 2024-2</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SCGermanyS.A.CompartmentConsumer20242Member" xlink:href="san-20251231.xsd#san_SCGermanyS.A.CompartmentConsumer20242Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SCGermanyS.A.CompartmentConsumer20242Member" xlink:to="lab_san_SCGermanyS.A.CompartmentConsumer20242Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfDetailedInformationAboutFinancialInstrumentsExplanatory_019ca0fb-cbee-706b-a729-efb2b26d02ad_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfDetailedInformationAboutFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of breakdown by type of instrument</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfDetailedInformationAboutFinancialInstrumentsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfDetailedInformationAboutFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about financial instruments [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfDetailedInformationAboutFinancialInstrumentsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfDetailedInformationAboutFinancialInstrumentsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfDetailedInformationAboutFinancialInstrumentsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfDetailedInformationAboutFinancialInstrumentsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FinancialAssetsReclassifiedFromFairValueWithChangesInOtherComprehensiveIncomeMember_019ca0fb-cad3-7a0f-b7df-941a04007042_terseLabel_en-US" xlink:label="lab_san_FinancialAssetsReclassifiedFromFairValueWithChangesInOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification of financial assets at fair value through other comprehensive income</link:label>
    <link:label id="lab_san_FinancialAssetsReclassifiedFromFairValueWithChangesInOtherComprehensiveIncomeMember_label_en-US" xlink:label="lab_san_FinancialAssetsReclassifiedFromFairValueWithChangesInOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Assets Reclassified From Fair Value With Changes In Other Comprehensive Income [Member]</link:label>
    <link:label id="lab_san_FinancialAssetsReclassifiedFromFairValueWithChangesInOtherComprehensiveIncomeMember_documentation_en-US" xlink:label="lab_san_FinancialAssetsReclassifiedFromFairValueWithChangesInOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial Assets Reclassified From Fair Value With Changes In Other Comprehensive Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinancialAssetsReclassifiedFromFairValueWithChangesInOtherComprehensiveIncomeMember" xlink:href="san-20251231.xsd#san_FinancialAssetsReclassifiedFromFairValueWithChangesInOtherComprehensiveIncomeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FinancialAssetsReclassifiedFromFairValueWithChangesInOtherComprehensiveIncomeMember" xlink:to="lab_san_FinancialAssetsReclassifiedFromFairValueWithChangesInOtherComprehensiveIncomeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BancoPopularEspanolSAMember_019ca0fb-cad3-7817-a021-e266c7da6353_terseLabel_en-US" xlink:label="lab_san_BancoPopularEspanolSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Popular Espanol, S.A.</link:label>
    <link:label id="lab_san_BancoPopularEspanolSAMember_label_en-US" xlink:label="lab_san_BancoPopularEspanolSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banco Popular Espanol S.A. [Member]</link:label>
    <link:label id="lab_san_BancoPopularEspanolSAMember_documentation_en-US" xlink:label="lab_san_BancoPopularEspanolSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents Banco Popular Espanol, S.A.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BancoPopularEspanolSAMember" xlink:href="san-20251231.xsd#san_BancoPopularEspanolSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BancoPopularEspanolSAMember" xlink:to="lab_san_BancoPopularEspanolSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CommonEquityTierOneCapitalRatio1_019ca0fb-c94e-76b1-a18f-f37d4268a419_terseLabel_en-US" xlink:label="lab_san_CommonEquityTierOneCapitalRatio1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CET1 phase-in percentage</link:label>
    <link:label id="lab_san_CommonEquityTierOneCapitalRatio1_019ca0fb-c94e-79fd-87d8-898ec279f103_verboseLabel_en-US" xlink:label="lab_san_CommonEquityTierOneCapitalRatio1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Level 1 ordinary capital coefficient (CET 1)</link:label>
    <link:label id="lab_san_CommonEquityTierOneCapitalRatio1_label_en-US" xlink:label="lab_san_CommonEquityTierOneCapitalRatio1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Equity Tier One Capital Ratio1</link:label>
    <link:label id="lab_san_CommonEquityTierOneCapitalRatio1_documentation_en-US" xlink:label="lab_san_CommonEquityTierOneCapitalRatio1" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of Common Equity Tier One Risk-based Capital to total risk-weighted assets, as defined by regulatory framework.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CommonEquityTierOneCapitalRatio1" xlink:href="san-20251231.xsd#san_CommonEquityTierOneCapitalRatio1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CommonEquityTierOneCapitalRatio1" xlink:to="lab_san_CommonEquityTierOneCapitalRatio1" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForeignExchangeGainLossGoodwill_019ca0fb-cbee-7d3c-9807-92bea861206e_terseLabel_en-US" xlink:label="lab_san_ForeignExchangeGainLossGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">From goodwill</link:label>
    <link:label id="lab_san_ForeignExchangeGainLossGoodwill_label_en-US" xlink:label="lab_san_ForeignExchangeGainLossGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign Exchange Gain (Loss), Goodwill</link:label>
    <link:label id="lab_san_ForeignExchangeGainLossGoodwill_documentation_en-US" xlink:label="lab_san_ForeignExchangeGainLossGoodwill" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Foreign Exchange Gain (Loss), Goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForeignExchangeGainLossGoodwill" xlink:href="san-20251231.xsd#san_ForeignExchangeGainLossGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForeignExchangeGainLossGoodwill" xlink:to="lab_san_ForeignExchangeGainLossGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherAssetsMember_019ca0fb-cbee-7fe2-8b5d-8ea80f642619_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_ifrs-full_OtherAssetsMember_label_en-US" xlink:label="lab_ifrs-full_OtherAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other assets [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherAssetsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherAssetsMember" xlink:to="lab_ifrs-full_OtherAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageOfEntityEconomicCapital_019ca0fb-ca4e-797d-994f-6d1e888f6a1e_terseLabel_en-US" xlink:label="lab_san_PercentageOfEntityEconomicCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of entity economic capital</link:label>
    <link:label id="lab_san_PercentageOfEntityEconomicCapital_label_en-US" xlink:label="lab_san_PercentageOfEntityEconomicCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Entity Economic Capital</link:label>
    <link:label id="lab_san_PercentageOfEntityEconomicCapital_documentation_en-US" xlink:label="lab_san_PercentageOfEntityEconomicCapital" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the country heads of countries that are a percentage of the entity's economic capital.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageOfEntityEconomicCapital" xlink:href="san-20251231.xsd#san_PercentageOfEntityEconomicCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageOfEntityEconomicCapital" xlink:to="lab_san_PercentageOfEntityEconomicCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SeparateManagementEntitiesAxis_019ca0fb-ca4e-77cd-a354-32f5924a3c81_terseLabel_en-US" xlink:label="lab_ifrs-full_SeparateManagementEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Separate management entities [axis]</link:label>
    <link:label id="lab_ifrs-full_SeparateManagementEntitiesAxis_label_en-US" xlink:label="lab_ifrs-full_SeparateManagementEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Separate management entities [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SeparateManagementEntitiesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SeparateManagementEntitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SeparateManagementEntitiesAxis" xlink:to="lab_ifrs-full_SeparateManagementEntitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentOfCoreCapitalRatioCoveredAgainstRisk_019ca0fb-c9cd-7518-82ac-7f1006c3683e_terseLabel_en-US" xlink:label="lab_san_PercentOfCoreCapitalRatioCoveredAgainstRisk" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Core capital ratio for foreign exchange rate risk</link:label>
    <link:label id="lab_san_PercentOfCoreCapitalRatioCoveredAgainstRisk_label_en-US" xlink:label="lab_san_PercentOfCoreCapitalRatioCoveredAgainstRisk" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percent Of Core Capital Ratio Covered Against Risk</link:label>
    <link:label id="lab_san_PercentOfCoreCapitalRatioCoveredAgainstRisk_documentation_en-US" xlink:label="lab_san_PercentOfCoreCapitalRatioCoveredAgainstRisk" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percent of the core capital ratio that is covered by risk management practices against the specified risk. ALSO, revise label to Core capital ratio coverage, as a percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentOfCoreCapitalRatioCoveredAgainstRisk" xlink:href="san-20251231.xsd#san_PercentOfCoreCapitalRatioCoveredAgainstRisk"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentOfCoreCapitalRatioCoveredAgainstRisk" xlink:to="lab_san_PercentOfCoreCapitalRatioCoveredAgainstRisk" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseInFinancialAssets_019ca0fb-cad3-7fe1-bba6-8a3b1002a807_totalLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseInFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Difference</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseInFinancialAssets_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseInFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) in financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseInFinancialAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseDecreaseInFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseInFinancialAssets" xlink:to="lab_ifrs-full_IncreaseDecreaseInFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfProvisionsAxis_019ca0fb-c9cd-71bc-ac52-efe22012c9f2_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfProvisionsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of other provisions [axis]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfProvisionsAxis_label_en-US" xlink:label="lab_ifrs-full_ClassesOfProvisionsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of other provisions [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfProvisionsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfProvisionsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfProvisionsAxis" xlink:to="lab_ifrs-full_ClassesOfProvisionsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_BrokerageFeeExpense_019ca0fb-c9cd-7ad9-9f08-74582ada71ff_terseLabel_en-US" xlink:label="lab_ifrs-full_BrokerageFeeExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Brokerages and intermediaries</link:label>
    <link:label id="lab_ifrs-full_BrokerageFeeExpense_label_en-US" xlink:label="lab_ifrs-full_BrokerageFeeExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Brokerage fee expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BrokerageFeeExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_BrokerageFeeExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BrokerageFeeExpense" xlink:to="lab_ifrs-full_BrokerageFeeExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfDebtSecuritiesExplanatory_019ca0fb-c9cd-79c0-884a-dc8d0564ba0f_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfDebtSecuritiesExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfDebtSecuritiesExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfDebtSecuritiesExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of debt instruments [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfDebtSecuritiesExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfDebtSecuritiesExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfDebtSecuritiesExplanatory" xlink:to="lab_ifrs-full_DisclosureOfDebtSecuritiesExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfChangesInFairValueOfFinancialAssetsAndLiabilitiesCalculatedUsingInternalModelsTableTextBlock_019ca0fb-cb6b-7d67-a08f-2eac2699861b_terseLabel_en-US" xlink:label="lab_san_DisclosureOfChangesInFairValueOfFinancialAssetsAndLiabilitiesCalculatedUsingInternalModelsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of changes in fair value of financial assets and liabilities calculated using internal models</link:label>
    <link:label id="lab_san_DisclosureOfChangesInFairValueOfFinancialAssetsAndLiabilitiesCalculatedUsingInternalModelsTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfChangesInFairValueOfFinancialAssetsAndLiabilitiesCalculatedUsingInternalModelsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Changes In Fair Value Of Financial Assets And Liabilities Calculated Using Internal Models [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfChangesInFairValueOfFinancialAssetsAndLiabilitiesCalculatedUsingInternalModelsTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfChangesInFairValueOfFinancialAssetsAndLiabilitiesCalculatedUsingInternalModelsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Changes In Fair Value Of Financial Assets And Liabilities Calculated Using Internal Models</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfChangesInFairValueOfFinancialAssetsAndLiabilitiesCalculatedUsingInternalModelsTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfChangesInFairValueOfFinancialAssetsAndLiabilitiesCalculatedUsingInternalModelsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfChangesInFairValueOfFinancialAssetsAndLiabilitiesCalculatedUsingInternalModelsTableTextBlock" xlink:to="lab_san_DisclosureOfChangesInFairValueOfFinancialAssetsAndLiabilitiesCalculatedUsingInternalModelsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MaterialReconcilingItemsMember_019ca0fb-cbee-7cdf-a4e6-468103865516_terseLabel_en-US" xlink:label="lab_ifrs-full_MaterialReconcilingItemsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other adjustments</link:label>
    <link:label id="lab_ifrs-full_MaterialReconcilingItemsMember_label_en-US" xlink:label="lab_ifrs-full_MaterialReconcilingItemsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Material reconciling items [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MaterialReconcilingItemsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MaterialReconcilingItemsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MaterialReconcilingItemsMember" xlink:to="lab_ifrs-full_MaterialReconcilingItemsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EuroAndPoundSterlingMember_019ca0fb-cad3-78a5-b970-c29f722e2961_terseLabel_en-US" xlink:label="lab_san_EuroAndPoundSterlingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">EUR/GBP</link:label>
    <link:label id="lab_san_EuroAndPoundSterlingMember_label_en-US" xlink:label="lab_san_EuroAndPoundSterlingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Euro And Pound Sterling [Member]</link:label>
    <link:label id="lab_san_EuroAndPoundSterlingMember_documentation_en-US" xlink:label="lab_san_EuroAndPoundSterlingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Euro And Pound Sterling</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EuroAndPoundSterlingMember" xlink:href="san-20251231.xsd#san_EuroAndPoundSterlingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EuroAndPoundSterlingMember" xlink:to="lab_san_EuroAndPoundSterlingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PaymentSolutionsSegmentMember_019ca0fb-ca4e-7758-b18c-f9ebdb117ecd_terseLabel_en-US" xlink:label="lab_san_PaymentSolutionsSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Payment Solutions</link:label>
    <link:label id="lab_san_PaymentSolutionsSegmentMember_label_en-US" xlink:label="lab_san_PaymentSolutionsSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payment Solutions Segment [Member]</link:label>
    <link:label id="lab_san_PaymentSolutionsSegmentMember_documentation_en-US" xlink:label="lab_san_PaymentSolutionsSegmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Payment Solutions Segment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PaymentSolutionsSegmentMember" xlink:href="san-20251231.xsd#san_PaymentSolutionsSegmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PaymentSolutionsSegmentMember" xlink:to="lab_san_PaymentSolutionsSegmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdditionalInformationAbstract_label_en-US" xlink:label="lab_ifrs-full_AdditionalInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional information [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdditionalInformationAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AdditionalInformationAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdditionalInformationAbstract" xlink:to="lab_ifrs-full_AdditionalInformationAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RatioOfVariableToFixedPayComponents_019ca0fb-cbee-7f8f-920c-3245df9be639_terseLabel_en-US" xlink:label="lab_san_RatioOfVariableToFixedPayComponents" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ratio of variable to fixed pay components</link:label>
    <link:label id="lab_san_RatioOfVariableToFixedPayComponents_label_en-US" xlink:label="lab_san_RatioOfVariableToFixedPayComponents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Ratio Of Variable To Fixed Pay Components</link:label>
    <link:label id="lab_san_RatioOfVariableToFixedPayComponents_documentation_en-US" xlink:label="lab_san_RatioOfVariableToFixedPayComponents" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Ratio Of Variable To Fixed Pay Components</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RatioOfVariableToFixedPayComponents" xlink:href="san-20251231.xsd#san_RatioOfVariableToFixedPayComponents"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RatioOfVariableToFixedPayComponents" xlink:to="lab_san_RatioOfVariableToFixedPayComponents" xlink:type="arc" order="1"/>
    <link:label id="lab_san_WeightedAverageSharePurchasePrice_019ca0fb-c94e-72dd-a62f-0058674fe2de_terseLabel_en-US" xlink:label="lab_san_WeightedAverageSharePurchasePrice" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average purchase price of bank shares (in euro per share)</link:label>
    <link:label id="lab_san_WeightedAverageSharePurchasePrice_label_en-US" xlink:label="lab_san_WeightedAverageSharePurchasePrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Share, Purchase Price</link:label>
    <link:label id="lab_san_WeightedAverageSharePurchasePrice_documentation_en-US" xlink:label="lab_san_WeightedAverageSharePurchasePrice" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The weighted average purchase price per share.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_WeightedAverageSharePurchasePrice" xlink:href="san-20251231.xsd#san_WeightedAverageSharePurchasePrice"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_WeightedAverageSharePurchasePrice" xlink:to="lab_san_WeightedAverageSharePurchasePrice" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember_019ca0fb-c94e-75b0-9b1c-6810bdcd2caa_terseLabel_en-US" xlink:label="lab_ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value</link:label>
    <link:label id="lab_ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember_label_en-US" xlink:label="lab_ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Not measured at fair value in statement of financial position but for which fair value is disclosed [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember" xlink:to="lab_ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects_019ca0fb-cb6b-77e9-9ce6-4c9597d2df10_terseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Profit (loss) from discontinued operations (non controlling interest net)</link:label>
    <link:label id="lab_ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects_label_en-US" xlink:label="lab_ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit (loss) from discontinued operations attributable to ordinary equity holders of parent entity, used in calculating diluted earnings per share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" xlink:to="lab_ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MaximumExposureLimitPercentage_019ca0fb-cad3-78fd-b3c5-fe49c8b762c0_terseLabel_en-US" xlink:label="lab_san_MaximumExposureLimitPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum exposure limit, percentage</link:label>
    <link:label id="lab_san_MaximumExposureLimitPercentage_label_en-US" xlink:label="lab_san_MaximumExposureLimitPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum Exposure Limit, Percentage</link:label>
    <link:label id="lab_san_MaximumExposureLimitPercentage_documentation_en-US" xlink:label="lab_san_MaximumExposureLimitPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maximum Exposure Limit, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MaximumExposureLimitPercentage" xlink:href="san-20251231.xsd#san_MaximumExposureLimitPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MaximumExposureLimitPercentage" xlink:to="lab_san_MaximumExposureLimitPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FinancialAssetsSharesOfForeignCompaniesMember_019ca0fb-c9cd-709b-8d18-bb471dc16187_terseLabel_en-US" xlink:label="lab_san_FinancialAssetsSharesOfForeignCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shares of foreign companies</link:label>
    <link:label id="lab_san_FinancialAssetsSharesOfForeignCompaniesMember_label_en-US" xlink:label="lab_san_FinancialAssetsSharesOfForeignCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Assets, Shares Of Foreign Companies [Member]</link:label>
    <link:label id="lab_san_FinancialAssetsSharesOfForeignCompaniesMember_documentation_en-US" xlink:label="lab_san_FinancialAssetsSharesOfForeignCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for instruments held by the entity in the assets of foreign companies.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinancialAssetsSharesOfForeignCompaniesMember" xlink:href="san-20251231.xsd#san_FinancialAssetsSharesOfForeignCompaniesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FinancialAssetsSharesOfForeignCompaniesMember" xlink:to="lab_san_FinancialAssetsSharesOfForeignCompaniesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2019Member_019ca0fb-c9cd-7ef9-9731-d54fe7750ac0_terseLabel_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2019Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred conditional variable remuneration plan and linked to objectives (2019)</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2019Member_label_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2019Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan And Linked To Objectives 2019 [Member]</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2019Member_documentation_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2019Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan And Linked To Objectives 2019</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2019Member" xlink:href="san-20251231.xsd#san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2019Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2019Member" xlink:to="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2019Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EvolutionProjectionPeriod_019ca0fb-cb6b-7b2c-a894-06762c55a53e_terseLabel_en-US" xlink:label="lab_san_EvolutionProjectionPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Evolution projection period</link:label>
    <link:label id="lab_san_EvolutionProjectionPeriod_label_en-US" xlink:label="lab_san_EvolutionProjectionPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Evolution Projection Period</link:label>
    <link:label id="lab_san_EvolutionProjectionPeriod_documentation_en-US" xlink:label="lab_san_EvolutionProjectionPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the evolution of macroeconomic scenarios projection period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EvolutionProjectionPeriod" xlink:href="san-20251231.xsd#san_EvolutionProjectionPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EvolutionProjectionPeriod" xlink:to="lab_san_EvolutionProjectionPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital_019ca0fb-cbee-71dc-b6e9-4442d4b4f249_totalLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Adjustments made to obtain the cash flows from operating activities</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital_019ca0fb-cbee-7c2f-9c4c-003c7e8c1e54_terseLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustments to profit</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments to reconcile profit (loss) other than changes in working capital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital" xlink:to="lab_ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OptimisticScenarioOneMember_019ca0fb-cb6b-7071-9c95-3fb59e484f48_terseLabel_en-US" xlink:label="lab_san_OptimisticScenarioOneMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Optimistic scenario&#160;1</link:label>
    <link:label id="lab_san_OptimisticScenarioOneMember_label_en-US" xlink:label="lab_san_OptimisticScenarioOneMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Optimistic Scenario One [Member]</link:label>
    <link:label id="lab_san_OptimisticScenarioOneMember_documentation_en-US" xlink:label="lab_san_OptimisticScenarioOneMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Optimistic scenario one.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OptimisticScenarioOneMember" xlink:href="san-20251231.xsd#san_OptimisticScenarioOneMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OptimisticScenarioOneMember" xlink:to="lab_san_OptimisticScenarioOneMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfCreditRiskExposureLineItems_019ca0fb-cbee-7017-8d1b-addd78963c23_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfCreditRiskExposureLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of credit risk exposure [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfCreditRiskExposureLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfCreditRiskExposureLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of credit risk exposure [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfCreditRiskExposureLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfCreditRiskExposureLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfCreditRiskExposureLineItems" xlink:to="lab_ifrs-full_DisclosureOfCreditRiskExposureLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities_019ca0fb-ca4d-7357-8da7-71cbded0e9e2_negatedLabel_en-US" xlink:label="lab_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Decrease in fair value liabilities due to changes in inputs</link:label>
    <link:label id="lab_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities_label_en-US" xlink:label="lab_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease in fair value measurement due to change in multiple unobservable inputs to reflect reasonably possible alternative assumptions, liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities"/>
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    <link:label id="lab_ifrs-full_DisclosureOfDefinedBenefitPlansExplanatory_019ca0fb-ca4e-70d3-85a7-eba9b792cb59_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfDefinedBenefitPlansExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of status and changes of the defined benefit obligations</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfDefinedBenefitPlansExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfDefinedBenefitPlansExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of defined benefit plans [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfDefinedBenefitPlansExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfDefinedBenefitPlansExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfDefinedBenefitPlansExplanatory" xlink:to="lab_ifrs-full_DisclosureOfDefinedBenefitPlansExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfActuarialAssumptionsUsedToCalculateDefinedBenefitObligationsTableTextBlock_019ca0fb-cb6b-78c0-add9-ce1e04f49fbd_terseLabel_en-US" xlink:label="lab_san_DisclosureOfActuarialAssumptionsUsedToCalculateDefinedBenefitObligationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of actuarial assumptions used to calculate defined benefit obligations</link:label>
    <link:label id="lab_san_DisclosureOfActuarialAssumptionsUsedToCalculateDefinedBenefitObligationsTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfActuarialAssumptionsUsedToCalculateDefinedBenefitObligationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Actuarial Assumptions Used To Calculate Defined Benefit Obligations [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfActuarialAssumptionsUsedToCalculateDefinedBenefitObligationsTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfActuarialAssumptionsUsedToCalculateDefinedBenefitObligationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of actuarial assumptions used to calculate defined benefit obligations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfActuarialAssumptionsUsedToCalculateDefinedBenefitObligationsTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfActuarialAssumptionsUsedToCalculateDefinedBenefitObligationsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfActuarialAssumptionsUsedToCalculateDefinedBenefitObligationsTableTextBlock" xlink:to="lab_san_DisclosureOfActuarialAssumptionsUsedToCalculateDefinedBenefitObligationsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfMarketDebtSecuritiesTextBlock_019ca0fb-cad3-7bdb-b78d-b1e6cb5b973b_terseLabel_en-US" xlink:label="lab_san_ScheduleOfMarketDebtSecuritiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Marketable debt securities</link:label>
    <link:label id="lab_san_ScheduleOfMarketDebtSecuritiesTextBlock_label_en-US" xlink:label="lab_san_ScheduleOfMarketDebtSecuritiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Market Debt Securities [Text Block]</link:label>
    <link:label id="lab_san_ScheduleOfMarketDebtSecuritiesTextBlock_documentation_en-US" xlink:label="lab_san_ScheduleOfMarketDebtSecuritiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Schedule Of Market Debt Securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfMarketDebtSecuritiesTextBlock" xlink:href="san-20251231.xsd#san_ScheduleOfMarketDebtSecuritiesTextBlock"/>
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    <link:label id="lab_san_OtherRelatedPartyTransactions_019ca0fb-c9cd-7e15-8952-4f63940676a8_totalLabel_en-US" xlink:label="lab_san_OtherRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_san_OtherRelatedPartyTransactions_label_en-US" xlink:label="lab_san_OtherRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Related Party Transactions</link:label>
    <link:label id="lab_san_OtherRelatedPartyTransactions_documentation_en-US" xlink:label="lab_san_OtherRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of related-party transactions classified as other.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherRelatedPartyTransactions" xlink:href="san-20251231.xsd#san_OtherRelatedPartyTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherRelatedPartyTransactions" xlink:to="lab_san_OtherRelatedPartyTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesTable_019ca0fb-cbee-7bc6-b6d7-2c77197ea8a9_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of maturity analysis for non-derivative financial liabilities [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of maturity analysis for non-derivative financial liabilities [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesTable" xlink:to="lab_ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RepaidByBancoSantanderS.A.InFebruary2024Member_019ca0fb-cb6b-764b-8f30-cd91048c0f59_terseLabel_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InFebruary2024Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repaid by Banco Santander S.A. in February 2024</link:label>
    <link:label id="lab_san_RepaidByBancoSantanderS.A.InFebruary2024Member_label_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InFebruary2024Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repaid By Banco Santander S.A. In February 2024 [Member]</link:label>
    <link:label id="lab_san_RepaidByBancoSantanderS.A.InFebruary2024Member_documentation_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InFebruary2024Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Repaid By Banco Santander S.A. In February 2024</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RepaidByBancoSantanderS.A.InFebruary2024Member" xlink:href="san-20251231.xsd#san_RepaidByBancoSantanderS.A.InFebruary2024Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RepaidByBancoSantanderS.A.InFebruary2024Member" xlink:to="lab_san_RepaidByBancoSantanderS.A.InFebruary2024Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OrdinarySharesMember_019ca0fb-c94e-76e0-bf63-757116f5dc55_verboseLabel_en-US" xlink:label="lab_ifrs-full_OrdinarySharesMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Ordinary shares</link:label>
    <link:label id="lab_ifrs-full_OrdinarySharesMember_label_en-US" xlink:label="lab_ifrs-full_OrdinarySharesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Ordinary shares [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OrdinarySharesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OrdinarySharesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OrdinarySharesMember" xlink:to="lab_ifrs-full_OrdinarySharesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory_019ca0fb-cad3-74f2-a2c2-64241847cabf_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of changes in impairment losses on debt instruments</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory_019ca0fb-cad3-7df5-90cf-a094bb97b64d_verboseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Schedule of changes in loss allowance and gross carrying amount</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory"/>
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    <link:label id="lab_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale_019ca0fb-c9cd-75ae-86af-551b1c756dea_terseLabel_en-US" xlink:label="lab_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LIABILITIES ASSOCIATED WITH NON-CURRENT ASSETS HELD FOR SALE</link:label>
    <link:label id="lab_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale_019ca0fb-c9cd-7dd3-8b16-bf08ac46a8af_verboseLabel_en-US" xlink:label="lab_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total Liabilities associated with non-current assets held for sale</link:label>
    <link:label id="lab_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale_label_en-US" xlink:label="lab_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities included in disposal groups classified as held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" xlink:to="lab_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherDirectorsMember_019ca0fb-ca4e-7244-bb2f-2f0ffab3d659_terseLabel_en-US" xlink:label="lab_san_OtherDirectorsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other directors</link:label>
    <link:label id="lab_san_OtherDirectorsMember_label_en-US" xlink:label="lab_san_OtherDirectorsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Directors [Member]</link:label>
    <link:label id="lab_san_OtherDirectorsMember_documentation_en-US" xlink:label="lab_san_OtherDirectorsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for directors, other than current and retired executive directors.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherDirectorsMember" xlink:href="san-20251231.xsd#san_OtherDirectorsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherDirectorsMember" xlink:to="lab_san_OtherDirectorsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumMigratableVirtualMachinesOnCloudTechnologyPercentage_019ca0fb-c94e-7d6e-a339-bce08029c741_terseLabel_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumMigratableVirtualMachinesOnCloudTechnologyPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum migratable virtual machines on cloud technology (in percentage)</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumMigratableVirtualMachinesOnCloudTechnologyPercentage_label_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumMigratableVirtualMachinesOnCloudTechnologyPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, One Common Mobile Experience, Minimum Migratable Virtual Machines On Cloud Technology, Percentage</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumMigratableVirtualMachinesOnCloudTechnologyPercentage_documentation_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumMigratableVirtualMachinesOnCloudTechnologyPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, One Common Mobile Experience, Minimum Migratable Virtual Machines On Cloud Technology, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumMigratableVirtualMachinesOnCloudTechnologyPercentage" xlink:href="san-20251231.xsd#san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumMigratableVirtualMachinesOnCloudTechnologyPercentage"/>
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    <link:label id="lab_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax_019ca0fb-ca4e-7a21-8b2e-f9153b3b6b0e_negatedLabel_en-US" xlink:label="lab_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Reclassified amount of reserves to the income statement</link:label>
    <link:label id="lab_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax_019ca0fb-ca4e-7971-97f3-de812c9bea2d_terseLabel_en-US" xlink:label="lab_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amounts transferred to income statements</link:label>
    <link:label id="lab_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax_label_en-US" xlink:label="lab_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification Adjustments Of Cover Transaction Affecting Profit Or Loss, Before Tax</link:label>
    <link:label id="lab_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax_documentation_en-US" xlink:label="lab_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of reclassification adjustments on hedges for which the hedged item affected profit or loss, before tax.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" xlink:href="san-20251231.xsd#san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" xlink:to="lab_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonManagedMarketedFunds_019ca0fb-c9cd-734e-a952-09cf4dda80b0_terseLabel_en-US" xlink:label="lab_san_NonManagedMarketedFunds" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-managed marketed funds</link:label>
    <link:label id="lab_san_NonManagedMarketedFunds_label_en-US" xlink:label="lab_san_NonManagedMarketedFunds" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Managed Marketed Funds</link:label>
    <link:label id="lab_san_NonManagedMarketedFunds_documentation_en-US" xlink:label="lab_san_NonManagedMarketedFunds" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of non-managed marketed funds held by the entity at the balance sheet date.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonManagedMarketedFunds" xlink:href="san-20251231.xsd#san_NonManagedMarketedFunds"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonManagedMarketedFunds" xlink:to="lab_san_NonManagedMarketedFunds" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GrossCarryingAmountMember_019ca0fb-cb6b-7ce8-9a70-9c8e0cec0632_terseLabel_en-US" xlink:label="lab_ifrs-full_GrossCarryingAmountMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross carrying amount</link:label>
    <link:label id="lab_ifrs-full_GrossCarryingAmountMember_019ca0fb-cb6b-75c0-b522-ccf392f43d43_verboseLabel_en-US" xlink:label="lab_ifrs-full_GrossCarryingAmountMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Cost</link:label>
    <link:label id="lab_ifrs-full_GrossCarryingAmountMember_label_en-US" xlink:label="lab_ifrs-full_GrossCarryingAmountMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gross carrying amount [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GrossCarryingAmountMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GrossCarryingAmountMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GrossCarryingAmountMember" xlink:to="lab_ifrs-full_GrossCarryingAmountMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationMaximumNumberOfSharesToBeDeliveredAndActualNumberOfSharesDeliveredTableTextBlock_019ca0fb-cbee-7bdd-942a-292e18edb703_terseLabel_en-US" xlink:label="lab_san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationMaximumNumberOfSharesToBeDeliveredAndActualNumberOfSharesDeliveredTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule summarising maximum number of shares to be delivered and actual number of shares delivered</link:label>
    <link:label id="lab_san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationMaximumNumberOfSharesToBeDeliveredAndActualNumberOfSharesDeliveredTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationMaximumNumberOfSharesToBeDeliveredAndActualNumberOfSharesDeliveredTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Shares Assigned Between Related Parties, Remuneration, Maximum Number Of Shares To Be Delivered And Actual Number Of Shares Delivered [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationMaximumNumberOfSharesToBeDeliveredAndActualNumberOfSharesDeliveredTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationMaximumNumberOfSharesToBeDeliveredAndActualNumberOfSharesDeliveredTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Shares Assigned Between Related Parties, Remuneration, Maximum Number Of Shares To Be Delivered And Actual Number Of Shares Delivered</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationMaximumNumberOfSharesToBeDeliveredAndActualNumberOfSharesDeliveredTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationMaximumNumberOfSharesToBeDeliveredAndActualNumberOfSharesDeliveredTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationMaximumNumberOfSharesToBeDeliveredAndActualNumberOfSharesDeliveredTableTextBlock" xlink:to="lab_san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationMaximumNumberOfSharesToBeDeliveredAndActualNumberOfSharesDeliveredTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ApplicableTaxRate_019ca0fb-ca4e-7f7d-a12a-67a611e629d3_terseLabel_en-US" xlink:label="lab_ifrs-full_ApplicableTaxRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Applicable tax rate in Spain</link:label>
    <link:label id="lab_ifrs-full_ApplicableTaxRate_label_en-US" xlink:label="lab_ifrs-full_ApplicableTaxRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Applicable tax rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ApplicableTaxRate" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ApplicableTaxRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ApplicableTaxRate" xlink:to="lab_ifrs-full_ApplicableTaxRate" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusDomain_019ca0fb-cbee-7c27-b135-fd8b1c1c4651_terseLabel_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, plant and equipment by operating lease status [domain]</link:label>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusDomain_label_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, plant and equipment by operating lease status [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusDomain" xlink:to="lab_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ExecutiveDirectorsAndSeniorManagementMember_019ca0fb-cbee-744f-bc59-e3b07843f04f_terseLabel_en-US" xlink:label="lab_san_ExecutiveDirectorsAndSeniorManagementMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Executive directors and Senior management</link:label>
    <link:label id="lab_san_ExecutiveDirectorsAndSeniorManagementMember_label_en-US" xlink:label="lab_san_ExecutiveDirectorsAndSeniorManagementMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Executive Directors And Senior Management [Member]</link:label>
    <link:label id="lab_san_ExecutiveDirectorsAndSeniorManagementMember_documentation_en-US" xlink:label="lab_san_ExecutiveDirectorsAndSeniorManagementMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Executive Directors And Senior Management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ExecutiveDirectorsAndSeniorManagementMember" xlink:href="san-20251231.xsd#san_ExecutiveDirectorsAndSeniorManagementMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ExecutiveDirectorsAndSeniorManagementMember" xlink:to="lab_san_ExecutiveDirectorsAndSeniorManagementMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities_019ca0fb-cb6b-7b28-80bf-d37f72ce6f3f_terseLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other operating liabilities</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments for increase (decrease) in other liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities" xlink:to="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProceedsFromIssuingShares_019ca0fb-ca4e-73e8-9077-a3dff9863993_terseLabel_en-US" xlink:label="lab_ifrs-full_ProceedsFromIssuingShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance of own equity instruments</link:label>
    <link:label id="lab_ifrs-full_ProceedsFromIssuingShares_label_en-US" xlink:label="lab_ifrs-full_ProceedsFromIssuingShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from issuing shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProceedsFromIssuingShares" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProceedsFromIssuingShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProceedsFromIssuingShares" xlink:to="lab_ifrs-full_ProceedsFromIssuingShares" xlink:type="arc" order="1"/>
    <link:label id="lab_san_HenriqueManuelDrummondBorgesCirneDeCastroMember_019ca0fb-cbee-7525-b608-26b1de228a11_terseLabel_en-US" xlink:label="lab_san_HenriqueManuelDrummondBorgesCirneDeCastroMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Henrique de Castro</link:label>
    <link:label id="lab_san_HenriqueManuelDrummondBorgesCirneDeCastroMember_label_en-US" xlink:label="lab_san_HenriqueManuelDrummondBorgesCirneDeCastroMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Henrique Manuel Drummond Borges Cirne De Castro [Member]</link:label>
    <link:label id="lab_san_HenriqueManuelDrummondBorgesCirneDeCastroMember_documentation_en-US" xlink:label="lab_san_HenriqueManuelDrummondBorgesCirneDeCastroMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mr. Henrique Manuel Drummond Borges Cirne De Castro [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_HenriqueManuelDrummondBorgesCirneDeCastroMember" xlink:href="san-20251231.xsd#san_HenriqueManuelDrummondBorgesCirneDeCastroMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_HenriqueManuelDrummondBorgesCirneDeCastroMember" xlink:to="lab_san_HenriqueManuelDrummondBorgesCirneDeCastroMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MarketPriceMeasurementInputMember_019ca0fb-c9cd-7482-b17a-91c1bbccf633_terseLabel_en-US" xlink:label="lab_san_MarketPriceMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Market price</link:label>
    <link:label id="lab_san_MarketPriceMeasurementInputMember_label_en-US" xlink:label="lab_san_MarketPriceMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Market Price, Measurement Input [Member]</link:label>
    <link:label id="lab_san_MarketPriceMeasurementInputMember_documentation_en-US" xlink:label="lab_san_MarketPriceMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Market Price, Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MarketPriceMeasurementInputMember" xlink:href="san-20251231.xsd#san_MarketPriceMeasurementInputMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MarketPriceMeasurementInputMember" xlink:to="lab_san_MarketPriceMeasurementInputMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_EuropeMember_019ca0fb-cc70-70ac-a2ee-33e252aeda14_terseLabel_en-US" xlink:label="lab_srt_EuropeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Europe</link:label>
    <link:label id="lab_srt_EuropeMember_label_en-US" xlink:label="lab_srt_EuropeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Europe [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_EuropeMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_EuropeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_EuropeMember" xlink:to="lab_srt_EuropeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SecucorFinance20251DesignatedActivityCompanyMember_019ca0fb-c94e-7a1c-b053-5df0386cfb73_terseLabel_en-US" xlink:label="lab_san_SecucorFinance20251DesignatedActivityCompanyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Secucor Finance 2025-1 Designated Activity Company</link:label>
    <link:label id="lab_san_SecucorFinance20251DesignatedActivityCompanyMember_label_en-US" xlink:label="lab_san_SecucorFinance20251DesignatedActivityCompanyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Secucor Finance 2025-1 Designated Activity Company [Member]</link:label>
    <link:label id="lab_san_SecucorFinance20251DesignatedActivityCompanyMember_documentation_en-US" xlink:label="lab_san_SecucorFinance20251DesignatedActivityCompanyMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Secucor Finance 2025-1 Designated Activity Company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SecucorFinance20251DesignatedActivityCompanyMember" xlink:href="san-20251231.xsd#san_SecucorFinance20251DesignatedActivityCompanyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SecucorFinance20251DesignatedActivityCompanyMember" xlink:to="lab_san_SecucorFinance20251DesignatedActivityCompanyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NotLaterThanOneYearMember_019ca0fb-c9cd-7da1-a2d0-2098132996f9_verboseLabel_en-US" xlink:label="lab_ifrs-full_NotLaterThanOneYearMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">2026</link:label>
    <link:label id="lab_ifrs-full_NotLaterThanOneYearMember_019ca0fb-c9cd-7879-bbdb-768367737b9d_terseLabel_en-US" xlink:label="lab_ifrs-full_NotLaterThanOneYearMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Within 1 year</link:label>
    <link:label id="lab_ifrs-full_NotLaterThanOneYearMember_label_en-US" xlink:label="lab_ifrs-full_NotLaterThanOneYearMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Not later than one year [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NotLaterThanOneYearMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NotLaterThanOneYearMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NotLaterThanOneYearMember" xlink:to="lab_ifrs-full_NotLaterThanOneYearMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentage_019ca0fb-c94e-72ee-91ac-097d0a408a07_terseLabel_en-US" xlink:label="lab_san_ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Profit/(loss) attributable to the parent, increase (decrease) in percentage</link:label>
    <link:label id="lab_san_ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentage_label_en-US" xlink:label="lab_san_ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit Loss Attributable To Owners Of Parent, Increase (Decrease), Percentage</link:label>
    <link:label id="lab_san_ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentage_documentation_en-US" xlink:label="lab_san_ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Profit Loss Attributable To Owners Of Parent, Increase (Decrease), Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentage" xlink:href="san-20251231.xsd#san_ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentage" xlink:to="lab_san_ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SellingGeneralAndAdministrativeExpenseAbstract_label_en-US" xlink:label="lab_ifrs-full_SellingGeneralAndAdministrativeExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Selling, general and administrative expense [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SellingGeneralAndAdministrativeExpenseAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SellingGeneralAndAdministrativeExpenseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SellingGeneralAndAdministrativeExpenseAbstract" xlink:to="lab_ifrs-full_SellingGeneralAndAdministrativeExpenseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfProspectiveMacroeconomicScenarios_019ca0fb-c94e-76e8-aa6a-e0140063e8b2_terseLabel_en-US" xlink:label="lab_san_NumberOfProspectiveMacroeconomicScenarios" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of prospective macroeconomic scenarios</link:label>
    <link:label id="lab_san_NumberOfProspectiveMacroeconomicScenarios_label_en-US" xlink:label="lab_san_NumberOfProspectiveMacroeconomicScenarios" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Prospective Macroeconomic Scenarios</link:label>
    <link:label id="lab_san_NumberOfProspectiveMacroeconomicScenarios_documentation_en-US" xlink:label="lab_san_NumberOfProspectiveMacroeconomicScenarios" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the number of prospective macroeconomic scenarios.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfProspectiveMacroeconomicScenarios" xlink:href="san-20251231.xsd#san_NumberOfProspectiveMacroeconomicScenarios"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfProspectiveMacroeconomicScenarios" xlink:to="lab_san_NumberOfProspectiveMacroeconomicScenarios" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationAttendanceFeesPerMeeting_019ca0fb-cad3-79d4-a5e6-b1a74b921780_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationAttendanceFeesPerMeeting" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Attendance fees and commissions per meeting</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationAttendanceFeesPerMeeting_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationAttendanceFeesPerMeeting" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Attendance Fees Per Meeting</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationAttendanceFeesPerMeeting_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationAttendanceFeesPerMeeting" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of compensation paid per meeting, per director, for attendance fees and commissions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationAttendanceFeesPerMeeting" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationAttendanceFeesPerMeeting"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationAttendanceFeesPerMeeting" xlink:to="lab_san_KeyManagementPersonnelCompensationAttendanceFeesPerMeeting" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ExpensesFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss_019ca0fb-cb6b-7da8-9b6b-4f6d13a0232b_negatedLabel_en-US" xlink:label="lab_san_ExpensesFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Expenses from insurance and reinsurance contracts</link:label>
    <link:label id="lab_san_ExpensesFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss_label_en-US" xlink:label="lab_san_ExpensesFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Expenses From Insurance And Reinsurance Contracts Recognised In Profit Or Loss</link:label>
    <link:label id="lab_san_ExpensesFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss_documentation_en-US" xlink:label="lab_san_ExpensesFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of expense included in profit or loss related to liabilities under insurance contracts and reinsurance contracts.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ExpensesFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss" xlink:href="san-20251231.xsd#san_ExpensesFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ExpensesFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss" xlink:to="lab_san_ExpensesFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FinancialAssetsSharesOfDomesticCompaniesMember_019ca0fb-cc70-722f-ae50-fda4aeab6334_terseLabel_en-US" xlink:label="lab_san_FinancialAssetsSharesOfDomesticCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shares of Spanish companies</link:label>
    <link:label id="lab_san_FinancialAssetsSharesOfDomesticCompaniesMember_label_en-US" xlink:label="lab_san_FinancialAssetsSharesOfDomesticCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Assets, Shares Of Domestic Companies [Member]</link:label>
    <link:label id="lab_san_FinancialAssetsSharesOfDomesticCompaniesMember_documentation_en-US" xlink:label="lab_san_FinancialAssetsSharesOfDomesticCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for instruments held by the entity in the assets of other domestic companies.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinancialAssetsSharesOfDomesticCompaniesMember" xlink:href="san-20251231.xsd#san_FinancialAssetsSharesOfDomesticCompaniesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FinancialAssetsSharesOfDomesticCompaniesMember" xlink:to="lab_san_FinancialAssetsSharesOfDomesticCompaniesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CurrentTaxLiabilities_019ca0fb-cbee-7af4-a0ec-609c7445f471_terseLabel_en-US" xlink:label="lab_ifrs-full_CurrentTaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current tax liabilities</link:label>
    <link:label id="lab_ifrs-full_CurrentTaxLiabilities_label_en-US" xlink:label="lab_ifrs-full_CurrentTaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current tax liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CurrentTaxLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CurrentTaxLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CurrentTaxLiabilities" xlink:to="lab_ifrs-full_CurrentTaxLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FeeAndCommissionIncome_019ca0fb-ca4e-7672-8e3a-ff5d6438702c_terseLabel_en-US" xlink:label="lab_ifrs-full_FeeAndCommissionIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commission income</link:label>
    <link:label id="lab_ifrs-full_FeeAndCommissionIncome_019ca0fb-ca4e-715c-927d-5219e6ae48aa_totalLabel_en-US" xlink:label="lab_ifrs-full_FeeAndCommissionIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total commission income</link:label>
    <link:label id="lab_ifrs-full_FeeAndCommissionIncome_label_en-US" xlink:label="lab_ifrs-full_FeeAndCommissionIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fee and commission income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FeeAndCommissionIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FeeAndCommissionIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FeeAndCommissionIncome" xlink:to="lab_ifrs-full_FeeAndCommissionIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment_019ca0fb-cb6b-70ea-bd1b-856684c23f7c_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers, exchange differences and other items</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Transfers, Exchange Differences And Other Items In Property Plant And Equipment</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) in property, plant and equipment resulting from transfers, exchange differences and other items which are not separately disclosed.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" xlink:to="lab_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AuditorsRemuneration_019ca0fb-cbee-73aa-a181-0ad3b8b50a82_totalLabel_en-US" xlink:label="lab_ifrs-full_AuditorsRemuneration" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_ifrs-full_AuditorsRemuneration_019ca0fb-cbee-7347-a6f5-ce988f3e143e_terseLabel_en-US" xlink:label="lab_ifrs-full_AuditorsRemuneration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Auditor's remuneration</link:label>
    <link:label id="lab_ifrs-full_AuditorsRemuneration_label_en-US" xlink:label="lab_ifrs-full_AuditorsRemuneration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Auditor's remuneration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AuditorsRemuneration" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AuditorsRemuneration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AuditorsRemuneration" xlink:to="lab_ifrs-full_AuditorsRemuneration" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LongtermBorrowings_019ca0fb-cb6b-73b3-90a3-9be441c6e21a_terseLabel_en-US" xlink:label="lab_ifrs-full_LongtermBorrowings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-term debt</link:label>
    <link:label id="lab_ifrs-full_LongtermBorrowings_label_en-US" xlink:label="lab_ifrs-full_LongtermBorrowings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-current portion of non-current borrowings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LongtermBorrowings" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LongtermBorrowings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LongtermBorrowings" xlink:to="lab_ifrs-full_LongtermBorrowings" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition_019ca0fb-cc70-7390-9a29-c2c2b1ffbdc6_totalLabel_en-US" xlink:label="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net amount of financial assets presented in the balance sheet</link:label>
    <link:label id="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition_label_en-US" xlink:label="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net financial assets subject to offsetting, enforceable master netting arrangements or similar agreements in statement of financial position</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:to="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentMember_019ca0fb-c94e-750f-b854-ec2b9a8e019a_terseLabel_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, plant and equipment</link:label>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentMember_label_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, plant and equipment [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PropertyPlantAndEquipmentMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PropertyPlantAndEquipmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PropertyPlantAndEquipmentMember" xlink:to="lab_ifrs-full_PropertyPlantAndEquipmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialAssetsLineItems_019ca0fb-c9cd-744c-9298-ca3ddec7947b_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of financial assets [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialAssetsLineItems_019ca0fb-c9cd-7540-9ffa-165e9b989794_verboseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Debt Instruments</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialAssetsLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of financial assets [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFinancialAssetsLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfFinancialAssetsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFinancialAssetsLineItems" xlink:to="lab_ifrs-full_DisclosureOfFinancialAssetsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations_019ca0fb-c94e-71c3-888f-0fdd4d1ec68a_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Hedges of net investments in foreign operations (effective portion)</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other comprehensive income, before tax, hedges of net investments in foreign operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers_019ca0fb-c9cd-7992-a23e-7370255c351f_terseLabel_en-US" xlink:label="lab_san_NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of employees accepted the pre-retirement and voluntary redundancy offers</link:label>
    <link:label id="lab_san_NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers_label_en-US" xlink:label="lab_san_NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Employees Accepted Pre Retirement And Voluntary Redundancy Offers</link:label>
    <link:label id="lab_san_NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers_documentation_en-US" xlink:label="lab_san_NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of employees accepted the pre-retirement and voluntary redundancy offers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers" xlink:href="san-20251231.xsd#san_NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers" xlink:to="lab_san_NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory_019ca0fb-cad3-72d8-934b-6b18f3631bca_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tangible assets</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description of accounting policy for property, plant and equipment [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory" xlink:to="lab_ifrs-full_DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits_019ca0fb-cad3-765e-a433-2542a344efc9_terseLabel_en-US" xlink:label="lab_san_PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pre-retirement cost</link:label>
    <link:label id="lab_san_PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits_label_en-US" xlink:label="lab_san_PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pre Retirement Cost Charged To Income Statement Related To Defined Benefits</link:label>
    <link:label id="lab_san_PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits_documentation_en-US" xlink:label="lab_san_PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Pre-retirement cost charged to income statement related to defined benefits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits" xlink:href="san-20251231.xsd#san_PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits" xlink:to="lab_san_PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfOperatingAreas_019ca0fb-cbee-7dc1-bca1-60bed4661bac_terseLabel_en-US" xlink:label="lab_san_NumberOfOperatingAreas" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of operating areas</link:label>
    <link:label id="lab_san_NumberOfOperatingAreas_label_en-US" xlink:label="lab_san_NumberOfOperatingAreas" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Operating Areas</link:label>
    <link:label id="lab_san_NumberOfOperatingAreas_documentation_en-US" xlink:label="lab_san_NumberOfOperatingAreas" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the number of operating areas.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfOperatingAreas" xlink:href="san-20251231.xsd#san_NumberOfOperatingAreas"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfOperatingAreas" xlink:to="lab_san_NumberOfOperatingAreas" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem_019ca0fb-cbee-7eac-84d5-95c3a79733fb_terseLabel_en-US" xlink:label="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income (hedged item)</link:label>
    <link:label id="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem_label_en-US" xlink:label="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Reserves, Other Comprehensive Income, Before Tax, Gains (Losses) On Hedged Item</link:label>
    <link:label id="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem_documentation_en-US" xlink:label="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Reserves, Other Comprehensive Income, Before Tax, Gains (Losses) On Hedged Item</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" xlink:href="san-20251231.xsd#san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" xlink:to="lab_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MarketRiskMember_019ca0fb-ca4e-7df5-84b7-9419d22e8c84_terseLabel_en-US" xlink:label="lab_ifrs-full_MarketRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Market risk</link:label>
    <link:label id="lab_ifrs-full_MarketRiskMember_label_en-US" xlink:label="lab_ifrs-full_MarketRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Market risk [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MarketRiskMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MarketRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MarketRiskMember" xlink:to="lab_ifrs-full_MarketRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfBusinessCombinationsExplanatory_019ca0fb-cb6b-7165-b63d-ec1c064ec6d4_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfBusinessCombinationsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Grupo Santander</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfBusinessCombinationsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfBusinessCombinationsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of business combinations [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfBusinessCombinationsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfBusinessCombinationsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfBusinessCombinationsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfBusinessCombinationsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AccruedExpensesAndDeferredIncome_019ca0fb-cad3-7c69-9c63-9a22df228cb5_terseLabel_en-US" xlink:label="lab_san_AccruedExpensesAndDeferredIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued expenses and deferred income</link:label>
    <link:label id="lab_san_AccruedExpensesAndDeferredIncome_label_en-US" xlink:label="lab_san_AccruedExpensesAndDeferredIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accrued Expenses And Deferred Income</link:label>
    <link:label id="lab_san_AccruedExpensesAndDeferredIncome_documentation_en-US" xlink:label="lab_san_AccruedExpensesAndDeferredIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of accruals and deferred income. [Refer: Accruals; Deferred income]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AccruedExpensesAndDeferredIncome" xlink:href="san-20251231.xsd#san_AccruedExpensesAndDeferredIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AccruedExpensesAndDeferredIncome" xlink:to="lab_san_AccruedExpensesAndDeferredIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentRoTEObjectiveResult_019ca0fb-c94d-722d-844e-dbe6a1698313_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentRoTEObjectiveResult" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">RoTE objective, result</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentRoTEObjectiveResult_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentRoTEObjectiveResult" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, RoTE Objective, Result</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentRoTEObjectiveResult_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentRoTEObjectiveResult" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, RoTE Objective, Result</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentRoTEObjectiveResult" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentRoTEObjectiveResult"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentRoTEObjectiveResult" xlink:to="lab_san_VariableRemunerationDeferredPaymentRoTEObjectiveResult" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_AmericasMember_019ca0fb-cbee-717c-a767-fc911ca527cc_terseLabel_en-US" xlink:label="lab_srt_AmericasMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">America</link:label>
    <link:label id="lab_srt_AmericasMember_label_en-US" xlink:label="lab_srt_AmericasMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Americas [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_AmericasMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_AmericasMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_AmericasMember" xlink:to="lab_srt_AmericasMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GainLossInValueRecognisedInEquity_019ca0fb-cbee-77bf-81e3-a04636ee383b_terseLabel_en-US" xlink:label="lab_san_GainLossInValueRecognisedInEquity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gain or loss in value - recognized in equity</link:label>
    <link:label id="lab_san_GainLossInValueRecognisedInEquity_label_en-US" xlink:label="lab_san_GainLossInValueRecognisedInEquity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (Loss) In Value, Recognised In Equity</link:label>
    <link:label id="lab_san_GainLossInValueRecognisedInEquity_documentation_en-US" xlink:label="lab_san_GainLossInValueRecognisedInEquity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of Other reclassification adjustments on cash flow hedges for which the hedged item affected profit or loss, before tax.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GainLossInValueRecognisedInEquity" xlink:href="san-20251231.xsd#san_GainLossInValueRecognisedInEquity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GainLossInValueRecognisedInEquity" xlink:to="lab_san_GainLossInValueRecognisedInEquity" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InterestRateForwardsMember_019ca0fb-c9cd-737a-b1dc-f5af9912b64f_terseLabel_en-US" xlink:label="lab_san_InterestRateForwardsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate forwards</link:label>
    <link:label id="lab_san_InterestRateForwardsMember_label_en-US" xlink:label="lab_san_InterestRateForwardsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Forwards [Member]</link:label>
    <link:label id="lab_san_InterestRateForwardsMember_documentation_en-US" xlink:label="lab_san_InterestRateForwardsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest Rate Forwards</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InterestRateForwardsMember" xlink:href="san-20251231.xsd#san_InterestRateForwardsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InterestRateForwardsMember" xlink:to="lab_san_InterestRateForwardsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset_019ca0fb-c9cd-7e26-8dae-bba8b577f5b9_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Benefits paid due to settlements</link:label>
    <link:label id="lab_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset_019ca0fb-c9cd-7ddf-83dc-d8665702c8d8_terseLabel_en-US" xlink:label="lab_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Benefits paid by settlements</link:label>
    <link:label id="lab_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from payments in respect of settlements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LiquidityRiskMember_019ca0fb-c9cd-7877-90ad-1df2d89d80ab_terseLabel_en-US" xlink:label="lab_ifrs-full_LiquidityRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liquidity risk</link:label>
    <link:label id="lab_ifrs-full_LiquidityRiskMember_label_en-US" xlink:label="lab_ifrs-full_LiquidityRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liquidity risk [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LiquidityRiskMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LiquidityRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LiquidityRiskMember" xlink:to="lab_ifrs-full_LiquidityRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DebtSecuritiesIssuedByFinancialInstitutionsMember_019ca0fb-cc70-7212-aa4d-0e4b7cc964ed_terseLabel_en-US" xlink:label="lab_san_DebtSecuritiesIssuedByFinancialInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issued by financial institutions</link:label>
    <link:label id="lab_san_DebtSecuritiesIssuedByFinancialInstitutionsMember_label_en-US" xlink:label="lab_san_DebtSecuritiesIssuedByFinancialInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities Issued By Financial Institutions [Member]</link:label>
    <link:label id="lab_san_DebtSecuritiesIssuedByFinancialInstitutionsMember_documentation_en-US" xlink:label="lab_san_DebtSecuritiesIssuedByFinancialInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for debt securities issued by financial institutions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DebtSecuritiesIssuedByFinancialInstitutionsMember" xlink:href="san-20251231.xsd#san_DebtSecuritiesIssuedByFinancialInstitutionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DebtSecuritiesIssuedByFinancialInstitutionsMember" xlink:to="lab_san_DebtSecuritiesIssuedByFinancialInstitutionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfRiskManagementStrategyRelatedToHedgeAccountingTable_019ca0fb-ca4d-70b1-b40a-ebb9bf1b93d3_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfRiskManagementStrategyRelatedToHedgeAccountingTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of risk management strategy related to hedge accounting [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfRiskManagementStrategyRelatedToHedgeAccountingTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfRiskManagementStrategyRelatedToHedgeAccountingTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of risk management strategy related to hedge accounting [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfRiskManagementStrategyRelatedToHedgeAccountingTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfRiskManagementStrategyRelatedToHedgeAccountingTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfRiskManagementStrategyRelatedToHedgeAccountingTable" xlink:to="lab_ifrs-full_DisclosureOfRiskManagementStrategyRelatedToHedgeAccountingTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EmployeesWithDisabilitiesThresholdDegreeOfDisability_019ca0fb-c94e-7673-9855-67f59dd83ce3_terseLabel_en-US" xlink:label="lab_san_EmployeesWithDisabilitiesThresholdDegreeOfDisability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Employee with disabilities, threshold degree of disability</link:label>
    <link:label id="lab_san_EmployeesWithDisabilitiesThresholdDegreeOfDisability_label_en-US" xlink:label="lab_san_EmployeesWithDisabilitiesThresholdDegreeOfDisability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Employees With Disabilities, Threshold Degree Of Disability</link:label>
    <link:label id="lab_san_EmployeesWithDisabilitiesThresholdDegreeOfDisability_documentation_en-US" xlink:label="lab_san_EmployeesWithDisabilitiesThresholdDegreeOfDisability" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The degree of disability at or above which an employee in a particular jurisdiction is considered to be an employee with disabilities for the purposes of headcounts.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EmployeesWithDisabilitiesThresholdDegreeOfDisability" xlink:href="san-20251231.xsd#san_EmployeesWithDisabilitiesThresholdDegreeOfDisability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EmployeesWithDisabilitiesThresholdDegreeOfDisability" xlink:to="lab_san_EmployeesWithDisabilitiesThresholdDegreeOfDisability" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdjustedWeightedAverageShares_019ca0fb-c94e-758a-bc66-4be6ac1f28c5_totalLabel_en-US" xlink:label="lab_ifrs-full_AdjustedWeightedAverageShares" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Adjusted number of shares (in shares)</link:label>
    <link:label id="lab_ifrs-full_AdjustedWeightedAverageShares_label_en-US" xlink:label="lab_ifrs-full_AdjustedWeightedAverageShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted average number of ordinary shares used in calculating diluted earnings per share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustedWeightedAverageShares" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AdjustedWeightedAverageShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustedWeightedAverageShares" xlink:to="lab_ifrs-full_AdjustedWeightedAverageShares" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansToOtherEntitiesMember_019ca0fb-cad3-7995-9047-fd1f5e0e1b70_terseLabel_en-US" xlink:label="lab_san_LoansToOtherEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_san_LoansToOtherEntitiesMember_label_en-US" xlink:label="lab_san_LoansToOtherEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans To Other Entities [Member]</link:label>
    <link:label id="lab_san_LoansToOtherEntitiesMember_documentation_en-US" xlink:label="lab_san_LoansToOtherEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans To Other Entities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansToOtherEntitiesMember" xlink:href="san-20251231.xsd#san_LoansToOtherEntitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansToOtherEntitiesMember" xlink:to="lab_san_LoansToOtherEntitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInMay2021SeriesInDollarsMember_019ca0fb-c94e-7e4f-990c-d25a2ea5078a_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInMay2021SeriesInDollarsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Santander, S.A., May 2021</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInMay2021SeriesInDollarsMember_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInMay2021SeriesInDollarsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In May 2021, Series In Dollars [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInMay2021SeriesInDollarsMember_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInMay2021SeriesInDollarsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In May 2021, Series In Dollars</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderSAInMay2021SeriesInDollarsMember" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderSAInMay2021SeriesInDollarsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderSAInMay2021SeriesInDollarsMember" xlink:to="lab_san_IssuanceByBancoSantanderSAInMay2021SeriesInDollarsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfJurisdictionsWithinEUsGreyList_019ca0fb-cb6b-74d4-9e83-d9a48350a20d_terseLabel_en-US" xlink:label="lab_san_NumberOfJurisdictionsWithinEUsGreyList" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of jurisdictions within EU's grey list</link:label>
    <link:label id="lab_san_NumberOfJurisdictionsWithinEUsGreyList_label_en-US" xlink:label="lab_san_NumberOfJurisdictionsWithinEUsGreyList" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Jurisdictions Within EU's Grey List</link:label>
    <link:label id="lab_san_NumberOfJurisdictionsWithinEUsGreyList_documentation_en-US" xlink:label="lab_san_NumberOfJurisdictionsWithinEUsGreyList" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Of Jurisdictions Within EU's Grey List</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfJurisdictionsWithinEUsGreyList" xlink:href="san-20251231.xsd#san_NumberOfJurisdictionsWithinEUsGreyList"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfJurisdictionsWithinEUsGreyList" xlink:to="lab_san_NumberOfJurisdictionsWithinEUsGreyList" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_019ca0fb-cad3-7ae4-bab4-b09e6a8dbae4_terseLabel_en-US" xlink:label="lab_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross amount of financial liabilities</link:label>
    <link:label id="lab_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_label_en-US" xlink:label="lab_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gross financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:to="lab_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MortgagesMember_019ca0fb-c9cd-7678-8b91-10f58487c7a1_terseLabel_en-US" xlink:label="lab_ifrs-full_MortgagesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securitised mortgage assets</link:label>
    <link:label id="lab_ifrs-full_MortgagesMember_label_en-US" xlink:label="lab_ifrs-full_MortgagesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgages [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MortgagesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MortgagesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MortgagesMember" xlink:to="lab_ifrs-full_MortgagesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ConsumerLoansMember_019ca0fb-ca4e-725d-83f3-e2d18bb85d89_terseLabel_en-US" xlink:label="lab_ifrs-full_ConsumerLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consumer loans</link:label>
    <link:label id="lab_ifrs-full_ConsumerLoansMember_label_en-US" xlink:label="lab_ifrs-full_ConsumerLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans to consumers [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ConsumerLoansMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ConsumerLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ConsumerLoansMember" xlink:to="lab_ifrs-full_ConsumerLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption_019ca0fb-cb6b-7966-9ba4-492bb6e4f3d1_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase or decrease on obligations if increase in actuarial assumption (as a percent)</link:label>
    <link:label id="lab_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption_label_en-US" xlink:label="lab_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Benefit Obligation Due To Reasonably Possible Increase In Actuarial Assumption</link:label>
    <link:label id="lab_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage increase decrease in benefit obligations due to reasonably possible increase in actuarial assumption.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:href="san-20251231.xsd#san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:to="lab_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FloatingInterestRateMember_019ca0fb-cad3-7621-9442-b3cc4f5b4627_terseLabel_en-US" xlink:label="lab_ifrs-full_FloatingInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Floating rate debt</link:label>
    <link:label id="lab_ifrs-full_FloatingInterestRateMember_019ca0fb-cad3-77cb-b673-e0b5d5e59c01_verboseLabel_en-US" xlink:label="lab_ifrs-full_FloatingInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Floating rate</link:label>
    <link:label id="lab_ifrs-full_FloatingInterestRateMember_label_en-US" xlink:label="lab_ifrs-full_FloatingInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Floating interest rate [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FloatingInterestRateMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FloatingInterestRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FloatingInterestRateMember" xlink:to="lab_ifrs-full_FloatingInterestRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RepaymentsOfSubordinatedLiabilities_019ca0fb-cad3-7aa3-96a4-e3deb76e0e38_terseLabel_en-US" xlink:label="lab_ifrs-full_RepaymentsOfSubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated liabilities</link:label>
    <link:label id="lab_ifrs-full_RepaymentsOfSubordinatedLiabilities_label_en-US" xlink:label="lab_ifrs-full_RepaymentsOfSubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repayments of subordinated liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RepaymentsOfSubordinatedLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RepaymentsOfSubordinatedLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RepaymentsOfSubordinatedLiabilities" xlink:to="lab_ifrs-full_RepaymentsOfSubordinatedLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet_019ca0fb-cbee-74fd-bafe-087e7d9bdb7b_negatedLabel_en-US" xlink:label="lab_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Net loan-loss provisions</link:label>
    <link:label id="lab_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet_019ca0fb-cbee-7563-97e4-e40d4b908f59_terseLabel_en-US" xlink:label="lab_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impairment and reversal of impairment on financial assets, net</link:label>
    <link:label id="lab_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet_label_en-US" xlink:label="lab_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment And Reversal Of Impairment On Financial Assets, Net</link:label>
    <link:label id="lab_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet_documentation_en-US" xlink:label="lab_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The net amount of impairment and reversal of impairment on financial assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" xlink:href="san-20251231.xsd#san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" xlink:to="lab_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ArbitrationMatterAmountToBeReceivedByEntity_019ca0fb-c94e-7ea6-95d3-3df0ac4fcba9_terseLabel_en-US" xlink:label="lab_san_ArbitrationMatterAmountToBeReceivedByEntity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Arbitration matter, amount to be received by entity</link:label>
    <link:label id="lab_san_ArbitrationMatterAmountToBeReceivedByEntity_label_en-US" xlink:label="lab_san_ArbitrationMatterAmountToBeReceivedByEntity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Arbitration Matter, Amount To Be Received By Entity</link:label>
    <link:label id="lab_san_ArbitrationMatterAmountToBeReceivedByEntity_documentation_en-US" xlink:label="lab_san_ArbitrationMatterAmountToBeReceivedByEntity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Arbitration Matter, Amount To Be Received By Entity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ArbitrationMatterAmountToBeReceivedByEntity" xlink:href="san-20251231.xsd#san_ArbitrationMatterAmountToBeReceivedByEntity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ArbitrationMatterAmountToBeReceivedByEntity" xlink:to="lab_san_ArbitrationMatterAmountToBeReceivedByEntity" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillDomain_019ca0fb-cbee-7fe9-b713-82a6f261290f_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of intangible assets other than goodwill [domain]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillDomain_label_en-US" xlink:label="lab_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of intangible assets other than goodwill [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillDomain" xlink:to="lab_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesMember_019ca0fb-cc70-7a5c-891c-f1f2e55b50eb_terseLabel_en-US" xlink:label="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred variable compensation plan linked to multiannual objectives</link:label>
    <link:label id="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesMember_label_en-US" xlink:label="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Compensation Plan Multiannual Objectives [Member]</link:label>
    <link:label id="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesMember_documentation_en-US" xlink:label="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents variable remuneration plan for executive directors and certain executives (including top management). This plan includes the bonus (deferred and conditioned variable compensation plan and the ILP and is intended to defer a portion of the variable remuneration over a specified period. May be paid in cash or in shares.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableCompensationPlanMultiannualObjectivesMember" xlink:href="san-20251231.xsd#san_DeferredVariableCompensationPlanMultiannualObjectivesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableCompensationPlanMultiannualObjectivesMember" xlink:to="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FlowDiscountingMethodOnSwapRateMember_019ca0fb-ca4e-7956-98cb-2e55eb884666_terseLabel_en-US" xlink:label="lab_san_FlowDiscountingMethodOnSwapRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discounted Cash Flows on swap rate</link:label>
    <link:label id="lab_san_FlowDiscountingMethodOnSwapRateMember_label_en-US" xlink:label="lab_san_FlowDiscountingMethodOnSwapRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flow Discounting Method On Swap Rate [Member]</link:label>
    <link:label id="lab_san_FlowDiscountingMethodOnSwapRateMember_documentation_en-US" xlink:label="lab_san_FlowDiscountingMethodOnSwapRateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flow Discounting Method On Swap Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FlowDiscountingMethodOnSwapRateMember" xlink:href="san-20251231.xsd#san_FlowDiscountingMethodOnSwapRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FlowDiscountingMethodOnSwapRateMember" xlink:to="lab_san_FlowDiscountingMethodOnSwapRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAnnualEmolumentTableTextBlock_019ca0fb-c9cd-7b9f-90b8-01961682d48a_terseLabel_en-US" xlink:label="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAnnualEmolumentTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule summarising annual emolument</link:label>
    <link:label id="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAnnualEmolumentTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAnnualEmolumentTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Transactions Between Related Parties, Remuneration, Annual Emolument [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAnnualEmolumentTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAnnualEmolumentTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of annual emolument remuneration between the entity and its related parties.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAnnualEmolumentTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAnnualEmolumentTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAnnualEmolumentTableTextBlock" xlink:to="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAnnualEmolumentTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherCommitteesMember_019ca0fb-cad3-7fd7-abf0-1f02ca4c1a43_terseLabel_en-US" xlink:label="lab_san_OtherCommitteesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other committees (excluding executive committee)</link:label>
    <link:label id="lab_san_OtherCommitteesMember_label_en-US" xlink:label="lab_san_OtherCommitteesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Committees [Member]</link:label>
    <link:label id="lab_san_OtherCommitteesMember_documentation_en-US" xlink:label="lab_san_OtherCommitteesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for those persons serving as members of other committees of the board of directors. Excludes executive committee, audit committee, and risk supervision, regulation, and compliance committee members.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherCommitteesMember" xlink:href="san-20251231.xsd#san_OtherCommitteesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherCommitteesMember" xlink:to="lab_san_OtherCommitteesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfEffectiveIncomeTaxRateReconciliation1TableTextBlock_019ca0fb-cbee-72fb-8ffe-ba8f50c94cf9_terseLabel_en-US" xlink:label="lab_san_ScheduleOfEffectiveIncomeTaxRateReconciliation1TableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of reconciliation of income tax expense</link:label>
    <link:label id="lab_san_ScheduleOfEffectiveIncomeTaxRateReconciliation1TableTextBlock_label_en-US" xlink:label="lab_san_ScheduleOfEffectiveIncomeTaxRateReconciliation1TableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Effective Income Tax Rate Reconciliation1 [Table Text Block]</link:label>
    <link:label id="lab_san_ScheduleOfEffectiveIncomeTaxRateReconciliation1TableTextBlock_documentation_en-US" xlink:label="lab_san_ScheduleOfEffectiveIncomeTaxRateReconciliation1TableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfEffectiveIncomeTaxRateReconciliation1TableTextBlock" xlink:href="san-20251231.xsd#san_ScheduleOfEffectiveIncomeTaxRateReconciliation1TableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfEffectiveIncomeTaxRateReconciliation1TableTextBlock" xlink:to="lab_san_ScheduleOfEffectiveIncomeTaxRateReconciliation1TableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_019ca0fb-c9cd-7313-a1ce-e336e6fe7e0e_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of intangible assets and goodwill [axis]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis_label_en-US" xlink:label="lab_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of intangible assets and goodwill [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis" xlink:to="lab_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MajorComponentsOfTaxExpenseIncomeAbstract_019ca0fb-cc70-7289-ad6d-e09023191c75_terseLabel_en-US" xlink:label="lab_ifrs-full_MajorComponentsOfTaxExpenseIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Major components of tax expense (income) [abstract]</link:label>
    <link:label id="lab_ifrs-full_MajorComponentsOfTaxExpenseIncomeAbstract_label_en-US" xlink:label="lab_ifrs-full_MajorComponentsOfTaxExpenseIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Major components of tax expense (income) [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MajorComponentsOfTaxExpenseIncomeAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MajorComponentsOfTaxExpenseIncomeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MajorComponentsOfTaxExpenseIncomeAbstract" xlink:to="lab_ifrs-full_MajorComponentsOfTaxExpenseIncomeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceMember_019ca0fb-cbee-7151-8472-512bae962236_terseLabel_en-US" xlink:label="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preference Shares And Preferred Securities By Issuance [Member]</link:label>
    <link:label id="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceMember_label_en-US" xlink:label="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preference Shares And Preferred Securities By Issuance [Member]</link:label>
    <link:label id="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceMember_documentation_en-US" xlink:label="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for all issuances of preference shares and preferred securities. It also represents the standard value for the 'Preference shares and preferred securities by issuance' axis if no other member is used.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PreferenceSharesAndPreferredSecuritiesByIssuanceMember" xlink:href="san-20251231.xsd#san_PreferenceSharesAndPreferredSecuritiesByIssuanceMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PreferenceSharesAndPreferredSecuritiesByIssuanceMember" xlink:to="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTextBlock_019ca0fb-cad3-7c34-9330-20379d5b1de0_terseLabel_en-US" xlink:label="lab_san_DisclosureOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains or losses on non-current assets held for sale not classified as discontinued operations</link:label>
    <link:label id="lab_san_DisclosureOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Gains (Losses) On Disposal Of Non-Current Assets Held For Sale Not Classified As Discontinued Operations [Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of gains and losses on disposal of assets held for sale that are not discontinued operations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTextBlock" xlink:to="lab_san_DisclosureOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AmortisationAndImpairmentAdditionsIntangibleAssetsOtherThanGoodwill_019ca0fb-ca4e-7d42-8a88-52ac8b08f869_negatedTerseLabel_en-US" xlink:label="lab_san_AmortisationAndImpairmentAdditionsIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Of which addition</link:label>
    <link:label id="lab_san_AmortisationAndImpairmentAdditionsIntangibleAssetsOtherThanGoodwill_label_en-US" xlink:label="lab_san_AmortisationAndImpairmentAdditionsIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortisation And Impairment, Additions Intangible Assets Other Than Goodwill</link:label>
    <link:label id="lab_san_AmortisationAndImpairmentAdditionsIntangibleAssetsOtherThanGoodwill_documentation_en-US" xlink:label="lab_san_AmortisationAndImpairmentAdditionsIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of the portion of impairment losses attributable to additions .</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AmortisationAndImpairmentAdditionsIntangibleAssetsOtherThanGoodwill" xlink:href="san-20251231.xsd#san_AmortisationAndImpairmentAdditionsIntangibleAssetsOtherThanGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AmortisationAndImpairmentAdditionsIntangibleAssetsOtherThanGoodwill" xlink:to="lab_san_AmortisationAndImpairmentAdditionsIntangibleAssetsOtherThanGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfHedgeAccountingAbstract_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfHedgeAccountingAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about hedges [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfHedgeAccountingAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfHedgeAccountingAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfHedgeAccountingAbstract" xlink:to="lab_ifrs-full_DisclosureOfHedgeAccountingAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfWeightAssociatedWithMacroeconomicScenariosTableTextBlock_019ca0fb-cad3-7be0-96e5-272b489222e5_terseLabel_en-US" xlink:label="lab_san_DisclosureOfWeightAssociatedWithMacroeconomicScenariosTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of weights used for current political and economic positions</link:label>
    <link:label id="lab_san_DisclosureOfWeightAssociatedWithMacroeconomicScenariosTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfWeightAssociatedWithMacroeconomicScenariosTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Weight Associated With Macroeconomic Scenarios [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfWeightAssociatedWithMacroeconomicScenariosTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfWeightAssociatedWithMacroeconomicScenariosTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The tabular disclosure of weight associated with macroeconomic scenarios.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfWeightAssociatedWithMacroeconomicScenariosTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfWeightAssociatedWithMacroeconomicScenariosTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfWeightAssociatedWithMacroeconomicScenariosTableTextBlock" xlink:to="lab_san_DisclosureOfWeightAssociatedWithMacroeconomicScenariosTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IlliquidCreditDefaultSpreadCurvesMember_019ca0fb-cc70-79f9-b7c8-8e0e9fa98d79_terseLabel_en-US" xlink:label="lab_san_IlliquidCreditDefaultSpreadCurvesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Illiquid credit default spread curves</link:label>
    <link:label id="lab_san_IlliquidCreditDefaultSpreadCurvesMember_label_en-US" xlink:label="lab_san_IlliquidCreditDefaultSpreadCurvesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Illiquid Credit Default Spread Curves [Member]</link:label>
    <link:label id="lab_san_IlliquidCreditDefaultSpreadCurvesMember_documentation_en-US" xlink:label="lab_san_IlliquidCreditDefaultSpreadCurvesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Illiquid Credit Default Spread Curves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IlliquidCreditDefaultSpreadCurvesMember" xlink:href="san-20251231.xsd#san_IlliquidCreditDefaultSpreadCurvesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IlliquidCreditDefaultSpreadCurvesMember" xlink:to="lab_san_IlliquidCreditDefaultSpreadCurvesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfReconciliationOfUnderlyingResultsToStatutoryResultsTableTextBlock_019ca0fb-cad3-7db0-bcbc-4211576c8587_terseLabel_en-US" xlink:label="lab_san_DisclosureOfReconciliationOfUnderlyingResultsToStatutoryResultsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of reconciliation of consolidated profit after tax to operating profit before tax</link:label>
    <link:label id="lab_san_DisclosureOfReconciliationOfUnderlyingResultsToStatutoryResultsTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfReconciliationOfUnderlyingResultsToStatutoryResultsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Reconciliation Of Underlying Results To Statutory Results [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfReconciliationOfUnderlyingResultsToStatutoryResultsTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfReconciliationOfUnderlyingResultsToStatutoryResultsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of the reconciliation of profit (loss) from reportable segments to the consolidated income (loss) before income tax expense (benefit) and discontinued operations. Includes, but is not limited to, reconciliation after income tax if income tax is allocated to the reportable segment.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfReconciliationOfUnderlyingResultsToStatutoryResultsTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfReconciliationOfUnderlyingResultsToStatutoryResultsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfReconciliationOfUnderlyingResultsToStatutoryResultsTableTextBlock" xlink:to="lab_san_DisclosureOfReconciliationOfUnderlyingResultsToStatutoryResultsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax_019ca0fb-cbee-775a-8bed-ed11c535aafb_terseLabel_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other reclassifications</link:label>
    <link:label id="lab_san_OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax_label_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Reclassification Adjustments On Hedging Instruments Not Designated, Before Tax</link:label>
    <link:label id="lab_san_OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax_documentation_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Reclassification Adjustments On Hedging Instruments Not Designated, Before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" xlink:href="san-20251231.xsd#san_OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" xlink:to="lab_san_OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InflationDerivativesMember_019ca0fb-cc70-7f9e-991a-ca04553d8056_terseLabel_en-US" xlink:label="lab_san_InflationDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Inflation Derivatives</link:label>
    <link:label id="lab_san_InflationDerivativesMember_label_en-US" xlink:label="lab_san_InflationDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Inflation Derivatives [Member]</link:label>
    <link:label id="lab_san_InflationDerivativesMember_documentation_en-US" xlink:label="lab_san_InflationDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Inflation Derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InflationDerivativesMember" xlink:href="san-20251231.xsd#san_InflationDerivativesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InflationDerivativesMember" xlink:to="lab_san_InflationDerivativesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk_019ca0fb-c9cd-79ff-bde4-f56a53bb9358_terseLabel_en-US" xlink:label="lab_san_MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum period of irregular positions to consider significant increase in risk</link:label>
    <link:label id="lab_san_MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk_label_en-US" xlink:label="lab_san_MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Minimum Period Of Irregular Positions To Consider Significant Increase In Risk</link:label>
    <link:label id="lab_san_MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk_documentation_en-US" xlink:label="lab_san_MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the minimum period of irregular positions to consider significant increase in risk.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk" xlink:href="san-20251231.xsd#san_MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk" xlink:to="lab_san_MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk" xlink:type="arc" order="1"/>
    <link:label id="lab_san_UndiscountedFinancialLiabilitiesAtAmortisedCost_019ca0fb-cbee-7d90-85b3-12ade7d352c2_terseLabel_en-US" xlink:label="lab_san_UndiscountedFinancialLiabilitiesAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Undiscounted financial liabilities at amortised cost</link:label>
    <link:label id="lab_san_UndiscountedFinancialLiabilitiesAtAmortisedCost_label_en-US" xlink:label="lab_san_UndiscountedFinancialLiabilitiesAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Undiscounted Financial Liabilities At Amortised Cost</link:label>
    <link:label id="lab_san_UndiscountedFinancialLiabilitiesAtAmortisedCost_documentation_en-US" xlink:label="lab_san_UndiscountedFinancialLiabilitiesAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of undiscounted financial liabilities at amortised cost.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_UndiscountedFinancialLiabilitiesAtAmortisedCost" xlink:href="san-20251231.xsd#san_UndiscountedFinancialLiabilitiesAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_UndiscountedFinancialLiabilitiesAtAmortisedCost" xlink:to="lab_san_UndiscountedFinancialLiabilitiesAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BusinessCombinationsCarriedOutMember_019ca0fb-c94e-7436-bdd8-2192546d2c25_terseLabel_en-US" xlink:label="lab_san_BusinessCombinationsCarriedOutMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business combinations carried out</link:label>
    <link:label id="lab_san_BusinessCombinationsCarriedOutMember_label_en-US" xlink:label="lab_san_BusinessCombinationsCarriedOutMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combinations Carried Out [Member]</link:label>
    <link:label id="lab_san_BusinessCombinationsCarriedOutMember_documentation_en-US" xlink:label="lab_san_BusinessCombinationsCarriedOutMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combinations Carried Out</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BusinessCombinationsCarriedOutMember" xlink:href="san-20251231.xsd#san_BusinessCombinationsCarriedOutMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BusinessCombinationsCarriedOutMember" xlink:to="lab_san_BusinessCombinationsCarriedOutMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InterimDividends_019ca0fb-ca4e-749a-af46-ce389b660b76_negatedLabel_en-US" xlink:label="lab_san_InterimDividends" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">(-) INTERIM DIVIDENDS</link:label>
    <link:label id="lab_san_InterimDividends_019ca0fb-ca4e-7558-b4de-6218b70fe4af_negatedTerseLabel_en-US" xlink:label="lab_san_InterimDividends" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Approved dividend</link:label>
    <link:label id="lab_san_InterimDividends_label_en-US" xlink:label="lab_san_InterimDividends" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interim Dividends</link:label>
    <link:label id="lab_san_InterimDividends_documentation_en-US" xlink:label="lab_san_InterimDividends" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interim Dividends</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InterimDividends" xlink:href="san-20251231.xsd#san_InterimDividends"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InterimDividends" xlink:to="lab_san_InterimDividends" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MortgageBackedSecuritiesLoanToValueRatio_019ca0fb-c94e-7828-ae31-123a616577f4_terseLabel_en-US" xlink:label="lab_san_MortgageBackedSecuritiesLoanToValueRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage-backed securities loan-to-value ratio (as a percent)</link:label>
    <link:label id="lab_san_MortgageBackedSecuritiesLoanToValueRatio_label_en-US" xlink:label="lab_san_MortgageBackedSecuritiesLoanToValueRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Backed Securities Loan To Value Ratio</link:label>
    <link:label id="lab_san_MortgageBackedSecuritiesLoanToValueRatio_documentation_en-US" xlink:label="lab_san_MortgageBackedSecuritiesLoanToValueRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the required loan-to-value ratio for mortgage-backed securities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MortgageBackedSecuritiesLoanToValueRatio" xlink:href="san-20251231.xsd#san_MortgageBackedSecuritiesLoanToValueRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MortgageBackedSecuritiesLoanToValueRatio" xlink:to="lab_san_MortgageBackedSecuritiesLoanToValueRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InterestIncomeExpenseNetPlusDividendsFromAffiliates_019ca0fb-cad3-794b-b689-0b035b9f3ad1_totalLabel_en-US" xlink:label="lab_san_InterestIncomeExpenseNetPlusDividendsFromAffiliates" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Interest income / (charges)</link:label>
    <link:label id="lab_san_InterestIncomeExpenseNetPlusDividendsFromAffiliates_label_en-US" xlink:label="lab_san_InterestIncomeExpenseNetPlusDividendsFromAffiliates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income Expense Net Plus Dividends From Affiliates</link:label>
    <link:label id="lab_san_InterestIncomeExpenseNetPlusDividendsFromAffiliates_documentation_en-US" xlink:label="lab_san_InterestIncomeExpenseNetPlusDividendsFromAffiliates" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net amount of interest income, interest expense and dividends received from affiliates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InterestIncomeExpenseNetPlusDividendsFromAffiliates" xlink:href="san-20251231.xsd#san_InterestIncomeExpenseNetPlusDividendsFromAffiliates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InterestIncomeExpenseNetPlusDividendsFromAffiliates" xlink:to="lab_san_InterestIncomeExpenseNetPlusDividendsFromAffiliates" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProfitLossAttributableToNoncontrollingInterests_019ca0fb-ca4e-747a-aafe-7dcd494dc67d_terseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossAttributableToNoncontrollingInterests" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Profit/(loss) attributable to non-controlling interests</link:label>
    <link:label id="lab_ifrs-full_ProfitLossAttributableToNoncontrollingInterests_019ca0fb-ca4e-78e6-830e-28c2d306b59b_verboseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossAttributableToNoncontrollingInterests" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Profit attributable to non-controlling interests</link:label>
    <link:label id="lab_ifrs-full_ProfitLossAttributableToNoncontrollingInterests_019ca0fb-ca4e-76f0-83bb-cd140b9b1160_negatedNetLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossAttributableToNoncontrollingInterests" xlink:role="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="resource" xml:lang="en-US">Non-controlling interests</link:label>
    <link:label id="lab_ifrs-full_ProfitLossAttributableToNoncontrollingInterests_label_en-US" xlink:label="lab_ifrs-full_ProfitLossAttributableToNoncontrollingInterests" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit (loss), attributable to non-controlling interests</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProfitLossAttributableToNoncontrollingInterests" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProfitLossAttributableToNoncontrollingInterests"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProfitLossAttributableToNoncontrollingInterests" xlink:to="lab_ifrs-full_ProfitLossAttributableToNoncontrollingInterests" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughOtherChangesFinancialAssets_019ca0fb-cb6b-73fe-82f1-f709d28759ce_negatedTerseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughOtherChangesFinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Change of perimeter</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughOtherChangesFinancialAssets_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughOtherChangesFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Other Changes, Financial Assets</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughOtherChangesFinancialAssets_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughOtherChangesFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Other Changes, Financial Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughOtherChangesFinancialAssets" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughOtherChangesFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughOtherChangesFinancialAssets" xlink:to="lab_san_IncreaseDecreaseThroughOtherChangesFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax_019ca0fb-cbee-7bee-b8e5-f448b0ea39d5_negatedLabel_en-US" xlink:label="lab_san_ReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Amounts transferred to income statement</link:label>
    <link:label id="lab_san_ReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax_label_en-US" xlink:label="lab_san_ReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification Adjustments On Non-Current Assets Classified As Held For Sale, Before Tax</link:label>
    <link:label id="lab_san_ReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax_documentation_en-US" xlink:label="lab_san_ReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reclassification Adjustments On Non-Current Assets Classified As Held For Sale, Before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" xlink:href="san-20251231.xsd#san_ReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" xlink:to="lab_san_ReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_EquityAbstract_019ca0fb-c9cd-74f7-be98-6d68e6fe083b_terseLabel_en-US" xlink:label="lab_ifrs-full_EquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">EQUITY</link:label>
    <link:label id="lab_ifrs-full_EquityAbstract_label_en-US" xlink:label="lab_ifrs-full_EquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EquityAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_EquityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_EquityAbstract" xlink:to="lab_ifrs-full_EquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherForeignCountriesNotIncludingCountriesInEUMember_019ca0fb-cc70-70bb-8b95-24869afd7def_terseLabel_en-US" xlink:label="lab_san_OtherForeignCountriesNotIncludingCountriesInEUMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Foreign Countries Not Including Countries in EU</link:label>
    <link:label id="lab_san_OtherForeignCountriesNotIncludingCountriesInEUMember_label_en-US" xlink:label="lab_san_OtherForeignCountriesNotIncludingCountriesInEUMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Foreign Countries Not Including Countries In EU [Member]</link:label>
    <link:label id="lab_san_OtherForeignCountriesNotIncludingCountriesInEUMember_documentation_en-US" xlink:label="lab_san_OtherForeignCountriesNotIncludingCountriesInEUMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for foreign countries other than Spain and countries in EU.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherForeignCountriesNotIncludingCountriesInEUMember" xlink:href="san-20251231.xsd#san_OtherForeignCountriesNotIncludingCountriesInEUMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherForeignCountriesNotIncludingCountriesInEUMember" xlink:to="lab_san_OtherForeignCountriesNotIncludingCountriesInEUMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderConsumo6F.T.Member_019ca0fb-cb6b-7076-9570-0c1641e3e467_terseLabel_en-US" xlink:label="lab_san_SantanderConsumo6F.T.Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Consumo 6, F.T.</link:label>
    <link:label id="lab_san_SantanderConsumo6F.T.Member_label_en-US" xlink:label="lab_san_SantanderConsumo6F.T.Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Consumo 6, F.T. [Member]</link:label>
    <link:label id="lab_san_SantanderConsumo6F.T.Member_documentation_en-US" xlink:label="lab_san_SantanderConsumo6F.T.Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Consumo 6, F.T.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderConsumo6F.T.Member" xlink:href="san-20251231.xsd#san_SantanderConsumo6F.T.Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderConsumo6F.T.Member" xlink:to="lab_san_SantanderConsumo6F.T.Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IFRSLTV80To100PercentMember_019ca0fb-cb6b-77d5-b3bc-4c4cef1b2bc1_terseLabel_en-US" xlink:label="lab_san_IFRSLTV80To100PercentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">More than 80%&#160;and less&#160;than or&#160;equal to 100%</link:label>
    <link:label id="lab_san_IFRSLTV80To100PercentMember_label_en-US" xlink:label="lab_san_IFRSLTV80To100PercentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS LTV 80 To 100 Percent [Member]</link:label>
    <link:label id="lab_san_IFRSLTV80To100PercentMember_documentation_en-US" xlink:label="lab_san_IFRSLTV80To100PercentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan-to-value (LTV) ratio from 80 to 100%. Element name and standard label in LTV [numeric lower end] to [numeric higher end] Percent [Member] format.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IFRSLTV80To100PercentMember" xlink:href="san-20251231.xsd#san_IFRSLTV80To100PercentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IFRSLTV80To100PercentMember" xlink:to="lab_san_IFRSLTV80To100PercentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInOctober2021Member_019ca0fb-cc70-733b-a116-ee342e9a29d4_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInOctober2021Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance by Banco Santander S.A. in October 2021</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInOctober2021Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInOctober2021Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In October 2021 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInOctober2021Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInOctober2021Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In October 2021</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderSAInOctober2021Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderSAInOctober2021Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderSAInOctober2021Member" xlink:to="lab_san_IssuanceByBancoSantanderSAInOctober2021Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PeriodForInvestmentInBankSharesFromDateOfTermination_019ca0fb-cad3-7021-afa7-674fe6449eb2_terseLabel_en-US" xlink:label="lab_san_PeriodForInvestmentInBankSharesFromDateOfTermination" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Period for investment in bank shares from date of termination</link:label>
    <link:label id="lab_san_PeriodForInvestmentInBankSharesFromDateOfTermination_label_en-US" xlink:label="lab_san_PeriodForInvestmentInBankSharesFromDateOfTermination" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Period For Investment In Bank Shares From Date Of Termination</link:label>
    <link:label id="lab_san_PeriodForInvestmentInBankSharesFromDateOfTermination_documentation_en-US" xlink:label="lab_san_PeriodForInvestmentInBankSharesFromDateOfTermination" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The period of investment in bank shares from date of termination.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PeriodForInvestmentInBankSharesFromDateOfTermination" xlink:href="san-20251231.xsd#san_PeriodForInvestmentInBankSharesFromDateOfTermination"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PeriodForInvestmentInBankSharesFromDateOfTermination" xlink:to="lab_san_PeriodForInvestmentInBankSharesFromDateOfTermination" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProjectQuasarInvestments2017SlMember_019ca0fb-c9cd-748a-a282-44664b01bb55_terseLabel_en-US" xlink:label="lab_san_ProjectQuasarInvestments2017SlMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Project Quasar Investments 2017 S.L.</link:label>
    <link:label id="lab_san_ProjectQuasarInvestments2017SlMember_label_en-US" xlink:label="lab_san_ProjectQuasarInvestments2017SlMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Project Quasar Investments 2017 S.l. [Member]</link:label>
    <link:label id="lab_san_ProjectQuasarInvestments2017SlMember_documentation_en-US" xlink:label="lab_san_ProjectQuasarInvestments2017SlMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the entity's investment in Project Quasar Investments 2017, S.L.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProjectQuasarInvestments2017SlMember" xlink:href="san-20251231.xsd#san_ProjectQuasarInvestments2017SlMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProjectQuasarInvestments2017SlMember" xlink:to="lab_san_ProjectQuasarInvestments2017SlMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InsuranceContractsLinkedToPensionsAbstract_019ca0fb-cc70-72d9-88da-7e0923193290_terseLabel_en-US" xlink:label="lab_san_InsuranceContractsLinkedToPensionsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurance contracts linked to pensions</link:label>
    <link:label id="lab_san_InsuranceContractsLinkedToPensionsAbstract_label_en-US" xlink:label="lab_san_InsuranceContractsLinkedToPensionsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance Contracts Linked To Pensions [Abstract]</link:label>
    <link:label id="lab_san_InsuranceContractsLinkedToPensionsAbstract_documentation_en-US" xlink:label="lab_san_InsuranceContractsLinkedToPensionsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">N/A</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InsuranceContractsLinkedToPensionsAbstract" xlink:href="san-20251231.xsd#san_InsuranceContractsLinkedToPensionsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InsuranceContractsLinkedToPensionsAbstract" xlink:to="lab_san_InsuranceContractsLinkedToPensionsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FeeAndCommissionIncomeCollectionAndPaymentServicesAbstract_019ca0fb-cad3-75ac-abac-122f389de652_terseLabel_en-US" xlink:label="lab_san_FeeAndCommissionIncomeCollectionAndPaymentServicesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Coming from collection and payment services</link:label>
    <link:label id="lab_san_FeeAndCommissionIncomeCollectionAndPaymentServicesAbstract_label_en-US" xlink:label="lab_san_FeeAndCommissionIncomeCollectionAndPaymentServicesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fee And Commission Income, Collection And Payment Services [Abstract]</link:label>
    <link:label id="lab_san_FeeAndCommissionIncomeCollectionAndPaymentServicesAbstract_documentation_en-US" xlink:label="lab_san_FeeAndCommissionIncomeCollectionAndPaymentServicesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">n/a.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FeeAndCommissionIncomeCollectionAndPaymentServicesAbstract" xlink:href="san-20251231.xsd#san_FeeAndCommissionIncomeCollectionAndPaymentServicesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FeeAndCommissionIncomeCollectionAndPaymentServicesAbstract" xlink:to="lab_san_FeeAndCommissionIncomeCollectionAndPaymentServicesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleMember_019ca0fb-ca4e-7b9b-a965-0004360b32cc_terseLabel_en-US" xlink:label="lab_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets and liabilities classified as held for sale</link:label>
    <link:label id="lab_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleMember_label_en-US" xlink:label="lab_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets and liabilities classified as held for sale [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleMember" xlink:to="lab_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherOperatingCostSegmentReporting_019d24a3-3b33-7814-b497-8cc96837daf3_negatedTerseLabel_en-US" xlink:label="lab_san_OtherOperatingCostSegmentReporting" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Other operating costs</link:label>
    <link:label id="lab_san_OtherOperatingCostSegmentReporting_label_en-US" xlink:label="lab_san_OtherOperatingCostSegmentReporting" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Operating Cost, Segment Reporting</link:label>
    <link:label id="lab_san_OtherOperatingCostSegmentReporting_documentation_en-US" xlink:label="lab_san_OtherOperatingCostSegmentReporting" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Operating Cost, Segment Reporting</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherOperatingCostSegmentReporting" xlink:href="san-20251231.xsd#san_OtherOperatingCostSegmentReporting"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherOperatingCostSegmentReporting" xlink:to="lab_san_OtherOperatingCostSegmentReporting" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForwardEstimationValuationTechniqueMember_019ca0fb-cb6b-7875-bdef-5944f30cf271_terseLabel_en-US" xlink:label="lab_san_ForwardEstimationValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forward estimation</link:label>
    <link:label id="lab_san_ForwardEstimationValuationTechniqueMember_label_en-US" xlink:label="lab_san_ForwardEstimationValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forward Estimation Valuation Technique [Member]</link:label>
    <link:label id="lab_san_ForwardEstimationValuationTechniqueMember_documentation_en-US" xlink:label="lab_san_ForwardEstimationValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Forward Estimation Valuation Technique</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForwardEstimationValuationTechniqueMember" xlink:href="san-20251231.xsd#san_ForwardEstimationValuationTechniqueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForwardEstimationValuationTechniqueMember" xlink:to="lab_san_ForwardEstimationValuationTechniqueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax_019ca0fb-cad3-7d54-8204-937a5324877c_terseLabel_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other reclassifications</link:label>
    <link:label id="lab_san_OtherReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax_label_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Reclassification Adjustments On Hedges Of Net Investments In Foreign Operations, Before Tax</link:label>
    <link:label id="lab_san_OtherReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax_documentation_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Reclassification Adjustments On Hedges Of Net Investments In Foreign Operations, Before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:href="san-20251231.xsd#san_OtherReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:to="lab_san_OtherReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredTaxAssetsPortionAlreadySubmittedForConversion_019ca0fb-cad3-764b-a787-75b0ca96db80_terseLabel_en-US" xlink:label="lab_san_DeferredTaxAssetsPortionAlreadySubmittedForConversion" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Portion already submitted for conversion</link:label>
    <link:label id="lab_san_DeferredTaxAssetsPortionAlreadySubmittedForConversion_label_en-US" xlink:label="lab_san_DeferredTaxAssetsPortionAlreadySubmittedForConversion" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Portion Already Submitted For Conversion</link:label>
    <link:label id="lab_san_DeferredTaxAssetsPortionAlreadySubmittedForConversion_documentation_en-US" xlink:label="lab_san_DeferredTaxAssetsPortionAlreadySubmittedForConversion" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The portion of deferred tax assets already submitted to taxing authorities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredTaxAssetsPortionAlreadySubmittedForConversion" xlink:href="san-20251231.xsd#san_DeferredTaxAssetsPortionAlreadySubmittedForConversion"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredTaxAssetsPortionAlreadySubmittedForConversion" xlink:to="lab_san_DeferredTaxAssetsPortionAlreadySubmittedForConversion" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal_019ca0fb-ca4e-7c44-be44-7f178b2c7747_terseLabel_en-US" xlink:label="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percent of total assets encumbered</link:label>
    <link:label id="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal_label_en-US" xlink:label="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets Pledged As Collateral For Liabilities Or Contingent Liabilities, Percent Of Total</link:label>
    <link:label id="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal_documentation_en-US" xlink:label="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percent of total assets that the entity has pledged as collateral for liabilities or contingent liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal" xlink:href="san-20251231.xsd#san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal" xlink:to="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseInAdjustmentToGrossCarryingAmountMortgageLoans_019ca0fb-c9cd-77c6-8baf-a7d6339854aa_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseInAdjustmentToGrossCarryingAmountMortgageLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase in adjustment to gross carrying amount, mortgage loans</link:label>
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    <link:label id="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreases_019ca0fb-cbee-7f2e-aab7-6bd6783b6017_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreases" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Annual social security pension increase rate</link:label>
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    <link:label id="lab_san_ScheduleOfAccumulatedRetainedEarningsAndReservesOfEntitiesAccountedForUsingEquityMethodTableTextBlock_019ca0fb-ca4e-70d6-8697-2f9c9c986b99_terseLabel_en-US" xlink:label="lab_san_ScheduleOfAccumulatedRetainedEarningsAndReservesOfEntitiesAccountedForUsingEquityMethodTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of accumulated retained earnings and reserves of entities accounted for using the equity method</link:label>
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    <link:label id="lab_san_OtherAssetBackBondsMember_019ca0fb-cc70-7e36-9d40-54686c953144_terseLabel_en-US" xlink:label="lab_san_OtherAssetBackBondsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other asset-backed bonds</link:label>
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    <link:label id="lab_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsTable_019ca0fb-cb6b-7ba7-8673-bb920ece31eb_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of temporary difference, unused tax losses and unused tax credits [table]</link:label>
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    <link:label id="lab_san_LuisIsasiFernandezDeBobadillaMember_019ca0fb-c9cd-70ac-a963-445e9fb07b89_terseLabel_en-US" xlink:label="lab_san_LuisIsasiFernandezDeBobadillaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Luis Isasi</link:label>
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    <link:label id="lab_san_LuisIsasiFernandezDeBobadillaMember_documentation_en-US" xlink:label="lab_san_LuisIsasiFernandezDeBobadillaMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Luis Isasi Fernandez De Bobadilla</link:label>
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    <link:label id="lab_currency_CZK_019ca0fb-cbee-7a40-a78b-e70835e9e104_terseLabel_en-US" xlink:label="lab_currency_CZK" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CZK</link:label>
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    <link:label id="lab_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness_019ca0fb-cad3-7c78-9210-b5143b24d66e_terseLabel_en-US" xlink:label="lab_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in fair value used for calculating&#160;hedge ineffectiveness</link:label>
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    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate_019ca0fb-ca4e-7ea3-aa30-839b5a08c270_terseLabel_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in provision assuming 100bp decrease in unemployment rate (as a percent)</link:label>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate_label_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percent Change In Provision Assuming 100 Basis Point Decrease In Unemployment Rate</link:label>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate_documentation_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percent Change In Provision Assuming 100 Basis Point Decrease In Unemployment Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" xlink:href="san-20251231.xsd#san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" xlink:to="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ReportableSegmentsNumber_019ca0fb-ca4e-70d9-84fd-0770850cc44c_terseLabel_en-US" xlink:label="lab_san_ReportableSegmentsNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of operating segments</link:label>
    <link:label id="lab_san_ReportableSegmentsNumber_label_en-US" xlink:label="lab_san_ReportableSegmentsNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reportable Segments, Number</link:label>
    <link:label id="lab_san_ReportableSegmentsNumber_documentation_en-US" xlink:label="lab_san_ReportableSegmentsNumber" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reportable Segments, Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ReportableSegmentsNumber" xlink:href="san-20251231.xsd#san_ReportableSegmentsNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ReportableSegmentsNumber" xlink:to="lab_san_ReportableSegmentsNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis_019ca0fb-c9cd-750c-a5f7-86b856e78330_terseLabel_en-US" xlink:label="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preference Shares And Preferred Securities By Issuance [Axis]</link:label>
    <link:label id="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis_label_en-US" xlink:label="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preference Shares And Preferred Securities By Issuance [Axis]</link:label>
    <link:label id="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis_documentation_en-US" xlink:label="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The axis of a table defines the relationship between the domain members or categories in the table and the line items or concepts that complete the table.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis" xlink:href="san-20251231.xsd#san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis" xlink:to="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits_019ca0fb-cb6b-71a2-9b23-2201204e5458_terseLabel_en-US" xlink:label="lab_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pension contribution</link:label>
    <link:label id="lab_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits_label_en-US" xlink:label="lab_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key management personnel compensation, post-employment benefits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits" xlink:to="lab_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss_019ca0fb-ca4e-7cad-9a20-dfedcb370e20_terseLabel_en-US" xlink:label="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net</link:label>
    <link:label id="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss_label_en-US" xlink:label="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains Losses On Financial Assets And Liabilities At Fair Value Through Profit Or Loss</link:label>
    <link:label id="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss_documentation_en-US" xlink:label="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net amount of gains or losses on financial assets and liabilities at fair value through profit or loss.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss" xlink:href="san-20251231.xsd#san_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss" xlink:to="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReserveOfEquityComponentOfConvertibleInstruments_019ca0fb-cb6b-7b95-b665-77b4b6c2a97c_totalLabel_en-US" xlink:label="lab_ifrs-full_ReserveOfEquityComponentOfConvertibleInstruments" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">EQUITY INSTRUMENTS ISSUED OTHER THAN CAPITAL</link:label>
    <link:label id="lab_ifrs-full_ReserveOfEquityComponentOfConvertibleInstruments_019ca0fb-cb6b-78db-8bc2-b9a3dc31c1c8_terseLabel_en-US" xlink:label="lab_ifrs-full_ReserveOfEquityComponentOfConvertibleInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reserve of equity component of convertible instruments</link:label>
    <link:label id="lab_ifrs-full_ReserveOfEquityComponentOfConvertibleInstruments_label_en-US" xlink:label="lab_ifrs-full_ReserveOfEquityComponentOfConvertibleInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reserve of equity component of convertible instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReserveOfEquityComponentOfConvertibleInstruments" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ReserveOfEquityComponentOfConvertibleInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReserveOfEquityComponentOfConvertibleInstruments" xlink:to="lab_ifrs-full_ReserveOfEquityComponentOfConvertibleInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CostOfRiskPercent_019ca0fb-c9cd-7da2-9cf3-caa3206f63f2_terseLabel_en-US" xlink:label="lab_san_CostOfRiskPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cost of credit (in percent)</link:label>
    <link:label id="lab_san_CostOfRiskPercent_019ca0fb-c9cd-7ad3-9c05-1b0893fe9b0d_verboseLabel_en-US" xlink:label="lab_san_CostOfRiskPercent" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Cost of risk (in percent)</link:label>
    <link:label id="lab_san_CostOfRiskPercent_label_en-US" xlink:label="lab_san_CostOfRiskPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cost Of Risk, Percent</link:label>
    <link:label id="lab_san_CostOfRiskPercent_documentation_en-US" xlink:label="lab_san_CostOfRiskPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cost Of Risk, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CostOfRiskPercent" xlink:href="san-20251231.xsd#san_CostOfRiskPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CostOfRiskPercent" xlink:to="lab_san_CostOfRiskPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OffBalanceSheetExposuresAbstract_019ca0fb-cbee-7d75-abb5-2b25065a72c0_terseLabel_en-US" xlink:label="lab_san_OffBalanceSheetExposuresAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Off-balance-sheet exposures</link:label>
    <link:label id="lab_san_OffBalanceSheetExposuresAbstract_label_en-US" xlink:label="lab_san_OffBalanceSheetExposuresAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Off-Balance Sheet Exposures [Abstract]</link:label>
    <link:label id="lab_san_OffBalanceSheetExposuresAbstract_documentation_en-US" xlink:label="lab_san_OffBalanceSheetExposuresAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">No definition available.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OffBalanceSheetExposuresAbstract" xlink:href="san-20251231.xsd#san_OffBalanceSheetExposuresAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OffBalanceSheetExposuresAbstract" xlink:to="lab_san_OffBalanceSheetExposuresAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_019ca0fb-cbee-79d3-86a8-130ab9cccb3b_terseLabel_en-US" xlink:label="lab_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">IFRS Compliance with Regulatory Capital Requirements under Banking Regulations [Table]</link:label>
    <link:label id="lab_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_label_en-US" xlink:label="lab_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of IFRS Compliance With Regulatory Capital Requirements Under Banking Regulations [Table]</link:label>
    <link:label id="lab_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_documentation_en-US" xlink:label="lab_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A table disclosing the capital amounts and ratios as of the balance sheet date indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:href="san-20251231.xsd#san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:to="lab_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProfitLossBeforeTaxIncludingDiscontinuedOperations_019ca0fb-c94e-7607-a1d7-16c01c41b9f8_totalLabel_en-US" xlink:label="lab_san_ProfitLossBeforeTaxIncludingDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Consolidated profit (loss) before tax:</link:label>
    <link:label id="lab_san_ProfitLossBeforeTaxIncludingDiscontinuedOperations_label_en-US" xlink:label="lab_san_ProfitLossBeforeTaxIncludingDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit (Loss) Before Tax, Including Discontinued Operations</link:label>
    <link:label id="lab_san_ProfitLossBeforeTaxIncludingDiscontinuedOperations_documentation_en-US" xlink:label="lab_san_ProfitLossBeforeTaxIncludingDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Profit (Loss) Before Tax, Including Discontinued Operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProfitLossBeforeTaxIncludingDiscontinuedOperations" xlink:href="san-20251231.xsd#san_ProfitLossBeforeTaxIncludingDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProfitLossBeforeTaxIncludingDiscontinuedOperations" xlink:to="lab_san_ProfitLossBeforeTaxIncludingDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CreditQualityAxis_019ca0fb-c94e-7507-a6e8-a94949b8367c_terseLabel_en-US" xlink:label="lab_san_CreditQualityAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit Quality [Axis]</link:label>
    <link:label id="lab_san_CreditQualityAxis_label_en-US" xlink:label="lab_san_CreditQualityAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Quality [Axis]</link:label>
    <link:label id="lab_san_CreditQualityAxis_documentation_en-US" xlink:label="lab_san_CreditQualityAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information by type of credit quality.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CreditQualityAxis" xlink:href="san-20251231.xsd#san_CreditQualityAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CreditQualityAxis" xlink:to="lab_san_CreditQualityAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2018Member_019ca0fb-cad3-72f3-b2a0-83869ecc32cd_terseLabel_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2018Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred conditional variable remuneration plan and linked to objectives (2018)</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2018Member_label_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2018Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan And Linked To Objectives 2018 [Member]</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2018Member_documentation_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2018Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan And Linked To Objectives 2018</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2018Member" xlink:href="san-20251231.xsd#san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2018Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2018Member" xlink:to="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2018Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgingInstrument_019ca0fb-c9cd-766f-bd54-cf1ccdf30dd4_terseLabel_en-US" xlink:label="lab_san_ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgingInstrument" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedging instrument)</link:label>
    <link:label id="lab_san_ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgingInstrument_label_en-US" xlink:label="lab_san_ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgingInstrument" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Changes In The Fair Value Of Equity Instruments Measured At Fair Value Through Other Comprehensive Income (Hedging Instrument)</link:label>
    <link:label id="lab_san_ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgingInstrument_documentation_en-US" xlink:label="lab_san_ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgingInstrument" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Changes In The Fair Value Of Equity Instruments Measured At Fair Value Through Other Comprehensive Income (Hedging Instrument)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgingInstrument" xlink:href="san-20251231.xsd#san_ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgingInstrument"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgingInstrument" xlink:to="lab_san_ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgingInstrument" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PublicSectorMember_019ca0fb-cad3-761a-801c-0d3ad8cafd0a_terseLabel_en-US" xlink:label="lab_san_PublicSectorMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Public sector</link:label>
    <link:label id="lab_san_PublicSectorMember_label_en-US" xlink:label="lab_san_PublicSectorMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Public Sector [Member]</link:label>
    <link:label id="lab_san_PublicSectorMember_documentation_en-US" xlink:label="lab_san_PublicSectorMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for Public sector customers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PublicSectorMember" xlink:href="san-20251231.xsd#san_PublicSectorMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PublicSectorMember" xlink:to="lab_san_PublicSectorMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RepaidByBancoSantanderS.A.InMay2024Member_019ca0fb-cbee-7773-8a3d-6968ce46bef0_terseLabel_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InMay2024Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repaid by Banco Santander S.A. in May 2024</link:label>
    <link:label id="lab_san_RepaidByBancoSantanderS.A.InMay2024Member_label_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InMay2024Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repaid By Banco Santander S.A. In May 2024 [Member]</link:label>
    <link:label id="lab_san_RepaidByBancoSantanderS.A.InMay2024Member_documentation_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InMay2024Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Repaid By Banco Santander S.A. In May 2024</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RepaidByBancoSantanderS.A.InMay2024Member" xlink:href="san-20251231.xsd#san_RepaidByBancoSantanderS.A.InMay2024Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RepaidByBancoSantanderS.A.InMay2024Member" xlink:to="lab_san_RepaidByBancoSantanderS.A.InMay2024Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InsuranceContractsLinkedToPensions_019ca0fb-cbee-7d64-b4f1-89995245a3e7_terseLabel_en-US" xlink:label="lab_san_InsuranceContractsLinkedToPensions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurance contracts linked to pensions (note 14)</link:label>
    <link:label id="lab_san_InsuranceContractsLinkedToPensions_019ca0fb-cbee-7e45-a0f6-56381640d81d_periodStartLabel_en-US" xlink:label="lab_san_InsuranceContractsLinkedToPensions" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Fair value of insurance contracts linked to pensions at beginning of year</link:label>
    <link:label id="lab_san_InsuranceContractsLinkedToPensions_019ca0fb-cbee-7d4c-b8f8-33882a12a988_periodEndLabel_en-US" xlink:label="lab_san_InsuranceContractsLinkedToPensions" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Fair value of insurance contracts linked to pensions at end of&#160;year</link:label>
    <link:label id="lab_san_InsuranceContractsLinkedToPensions_label_en-US" xlink:label="lab_san_InsuranceContractsLinkedToPensions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance Contracts Linked To Pensions</link:label>
    <link:label id="lab_san_InsuranceContractsLinkedToPensions_documentation_en-US" xlink:label="lab_san_InsuranceContractsLinkedToPensions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Insurance contracts linked to pensions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InsuranceContractsLinkedToPensions" xlink:href="san-20251231.xsd#san_InsuranceContractsLinkedToPensions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InsuranceContractsLinkedToPensions" xlink:to="lab_san_InsuranceContractsLinkedToPensions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesTable_019ca0fb-cc70-7c92-b746-fb5639570d96_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of subsidiaries [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of subsidiaries [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesTable" xlink:to="lab_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfDetailedInformationOnOffshoreTerritoriesTableTextBlock_019ca0fb-c9cd-7e6f-bc32-086ae30c7074_terseLabel_en-US" xlink:label="lab_san_DisclosureOfDetailedInformationOnOffshoreTerritoriesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of list of offshore territories</link:label>
    <link:label id="lab_san_DisclosureOfDetailedInformationOnOffshoreTerritoriesTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfDetailedInformationOnOffshoreTerritoriesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Detailed Information On Offshore Territories [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfDetailedInformationOnOffshoreTerritoriesTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfDetailedInformationOnOffshoreTerritoriesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Detailed Information On Offshore Territories</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfDetailedInformationOnOffshoreTerritoriesTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfDetailedInformationOnOffshoreTerritoriesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfDetailedInformationOnOffshoreTerritoriesTableTextBlock" xlink:to="lab_san_DisclosureOfDetailedInformationOnOffshoreTerritoriesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMaximumNumberOfActiveCountries_019ca0fb-cb6b-78f7-b4a6-2d2b5eadce7c_terseLabel_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMaximumNumberOfActiveCountries" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum number of active countries with One Common Mobile Experience</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMaximumNumberOfActiveCountries_label_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMaximumNumberOfActiveCountries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, One Common Mobile Experience, Maximum Number Of Active Countries</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMaximumNumberOfActiveCountries_documentation_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMaximumNumberOfActiveCountries" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, One Common Mobile Experience, Maximum Number Of Active Countries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMaximumNumberOfActiveCountries" xlink:href="san-20251231.xsd#san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMaximumNumberOfActiveCountries"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMaximumNumberOfActiveCountries" xlink:to="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMaximumNumberOfActiveCountries" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_TitleOfIndividualAxis_019ca0fb-cc70-7e73-a4dd-3a48dcb6a980_terseLabel_en-US" xlink:label="lab_srt_TitleOfIndividualAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Title and Position [Axis]</link:label>
    <link:label id="lab_srt_TitleOfIndividualAxis_label_en-US" xlink:label="lab_srt_TitleOfIndividualAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Title and Position [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_TitleOfIndividualAxis" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_TitleOfIndividualAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_TitleOfIndividualAxis" xlink:to="lab_srt_TitleOfIndividualAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets_019ca0fb-cad3-7763-8018-76355d143ff1_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase in fair value assets due to changes in inputs</link:label>
    <link:label id="lab_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets_label_en-US" xlink:label="lab_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase in fair value measurement due to change in multiple unobservable inputs to reflect reasonably possible alternative assumptions, assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" xlink:to="lab_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCost_019ca0fb-c94e-7d3e-a308-9074e4b9503f_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FINANCIAL LIABILITIES AT AMORTIZED COST</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCost_019ca0fb-c94e-7de6-8a82-ea2e83567a0b_verboseLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities at amortized cost</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCost_label_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial liabilities at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialLiabilitiesAtAmortisedCost" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialLiabilitiesAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialLiabilitiesAtAmortisedCost" xlink:to="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions_019ca0fb-cad3-73b3-b396-a21e34ff2ac5_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in value recognised in equity</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Changes In Value Recognized In Equity, Provisions</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase decrease in provisions due to changes in value recognised in equity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions" xlink:to="lab_san_IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LiabilitiesUnderInsuranceContractsMember_019ca0fb-cbee-710c-8334-6b2000c81601_terseLabel_en-US" xlink:label="lab_san_LiabilitiesUnderInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate options</link:label>
    <link:label id="lab_san_LiabilitiesUnderInsuranceContractsMember_label_en-US" xlink:label="lab_san_LiabilitiesUnderInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities Under Insurance Contracts [Member]</link:label>
    <link:label id="lab_san_LiabilitiesUnderInsuranceContractsMember_documentation_en-US" xlink:label="lab_san_LiabilitiesUnderInsuranceContractsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for liabilities under insurance contracts.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LiabilitiesUnderInsuranceContractsMember" xlink:href="san-20251231.xsd#san_LiabilitiesUnderInsuranceContractsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LiabilitiesUnderInsuranceContractsMember" xlink:to="lab_san_LiabilitiesUnderInsuranceContractsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations_019ca0fb-c9cd-7e80-bca7-ff205998c1ca_terseLabel_en-US" xlink:label="lab_san_GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains (losses) on noncurrent assets held for sale not classified as discontinued operations</link:label>
    <link:label id="lab_san_GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations_label_en-US" xlink:label="lab_san_GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (Losses) On Noncurrent Assets Held For Sale Not Classified As Discontinued Operations</link:label>
    <link:label id="lab_san_GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations_documentation_en-US" xlink:label="lab_san_GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Gains (Losses) On Noncurrent Assets Held For Sale Not Classified As Discontinued Operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" xlink:href="san-20251231.xsd#san_GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" xlink:to="lab_san_GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoanToValueRatio_019ca0fb-cc70-7230-aac8-22e279e07004_terseLabel_en-US" xlink:label="lab_san_LoanToValueRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan-to-value (LTV) ratio</link:label>
    <link:label id="lab_san_LoanToValueRatio_label_en-US" xlink:label="lab_san_LoanToValueRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan To Value Ratio</link:label>
    <link:label id="lab_san_LoanToValueRatio_documentation_en-US" xlink:label="lab_san_LoanToValueRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The ratio, expressed as a percentage, of a loan to the value of an asset purchased.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoanToValueRatio" xlink:href="san-20251231.xsd#san_LoanToValueRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoanToValueRatio" xlink:to="lab_san_LoanToValueRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfOtherAssetsExplanatory_019ca0fb-cad3-7867-9ca2-3430fdd1de59_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfOtherAssetsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other assets</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfOtherAssetsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfOtherAssetsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of other assets [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfOtherAssetsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfOtherAssetsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfOtherAssetsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfOtherAssetsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_HongKongDollarsAndEuroMember_019ca0fb-c9cd-7915-98b8-05cc82fadee5_terseLabel_en-US" xlink:label="lab_san_HongKongDollarsAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">HKD/EUR</link:label>
    <link:label id="lab_san_HongKongDollarsAndEuroMember_label_en-US" xlink:label="lab_san_HongKongDollarsAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hong Kong, Dollars And Euro [Member]</link:label>
    <link:label id="lab_san_HongKongDollarsAndEuroMember_documentation_en-US" xlink:label="lab_san_HongKongDollarsAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Hong Kong, Dollars And Euro</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_HongKongDollarsAndEuroMember" xlink:href="san-20251231.xsd#san_HongKongDollarsAndEuroMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_HongKongDollarsAndEuroMember" xlink:to="lab_san_HongKongDollarsAndEuroMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis_019ca0fb-cad3-7176-832b-8340434fcf88_terseLabel_en-US" xlink:label="lab_ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retrospective application and retrospective restatement [axis]</link:label>
    <link:label id="lab_ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis_label_en-US" xlink:label="lab_ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retrospective application and retrospective restatement [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis" xlink:to="lab_ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InterestPayable_019ca0fb-cad2-7198-aa7e-b624bdeba841_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestPayable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest</link:label>
    <link:label id="lab_ifrs-full_InterestPayable_label_en-US" xlink:label="lab_ifrs-full_InterestPayable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest payable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestPayable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InterestPayable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestPayable" xlink:to="lab_ifrs-full_InterestPayable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderConsumo8F.T.Member_019ca0fb-c94e-7958-adac-90a1c3e43304_terseLabel_en-US" xlink:label="lab_san_SantanderConsumo8F.T.Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fondo de Titulizaci&#243;n, Santander Consumo 8</link:label>
    <link:label id="lab_san_SantanderConsumo8F.T.Member_label_en-US" xlink:label="lab_san_SantanderConsumo8F.T.Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Consumo 8, F.T. [Member]</link:label>
    <link:label id="lab_san_SantanderConsumo8F.T.Member_documentation_en-US" xlink:label="lab_san_SantanderConsumo8F.T.Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Consumo 8, F.T.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderConsumo8F.T.Member" xlink:href="san-20251231.xsd#san_SantanderConsumo8F.T.Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderConsumo8F.T.Member" xlink:to="lab_san_SantanderConsumo8F.T.Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CentralGovernmentMember_019ca0fb-cb6b-7a85-8b04-8819aeb6f95e_terseLabel_en-US" xlink:label="lab_san_CentralGovernmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Central government</link:label>
    <link:label id="lab_san_CentralGovernmentMember_label_en-US" xlink:label="lab_san_CentralGovernmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Central Government [Member]</link:label>
    <link:label id="lab_san_CentralGovernmentMember_documentation_en-US" xlink:label="lab_san_CentralGovernmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for central government.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CentralGovernmentMember" xlink:href="san-20251231.xsd#san_CentralGovernmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CentralGovernmentMember" xlink:to="lab_san_CentralGovernmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfDebtInstrumentsAbstract_019ca0fb-cad3-720b-a9df-947f052f8bbe_terseLabel_en-US" xlink:label="lab_san_DisclosureOfDebtInstrumentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of Debt Instruments [Abstract]</link:label>
    <link:label id="lab_san_DisclosureOfDebtInstrumentsAbstract_label_en-US" xlink:label="lab_san_DisclosureOfDebtInstrumentsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Debt Instruments [Abstract]</link:label>
    <link:label id="lab_san_DisclosureOfDebtInstrumentsAbstract_documentation_en-US" xlink:label="lab_san_DisclosureOfDebtInstrumentsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of Debt Instruments [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfDebtInstrumentsAbstract" xlink:href="san-20251231.xsd#san_DisclosureOfDebtInstrumentsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfDebtInstrumentsAbstract" xlink:to="lab_san_DisclosureOfDebtInstrumentsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock_019ca0fb-cc70-70b0-8e62-668a9a0eea21_terseLabel_en-US" xlink:label="lab_san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule summarising shares assigned for deferred variable remuneration plans</link:label>
    <link:label id="lab_san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Shares Assigned Between Related Parties, Remuneration, Deferred Variable Remuneration Plans [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of shares assigned between the entity and its related parties for deferred variable remuneration plans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock" xlink:to="lab_san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AnaBotinSanzDeSautuolaYOSheaAndJoseAntonioAlvarezMember_019ca0fb-cb6b-7491-ac36-e34394c64b0c_terseLabel_en-US" xlink:label="lab_san_AnaBotinSanzDeSautuolaYOSheaAndJoseAntonioAlvarezMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ana Botina and Jose Antonio Alvarez</link:label>
    <link:label id="lab_san_AnaBotinSanzDeSautuolaYOSheaAndJoseAntonioAlvarezMember_label_en-US" xlink:label="lab_san_AnaBotinSanzDeSautuolaYOSheaAndJoseAntonioAlvarezMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Ana Botin-Sanz de Sautuola y O'Shea And Jose Antonio Alvarez [Member]</link:label>
    <link:label id="lab_san_AnaBotinSanzDeSautuolaYOSheaAndJoseAntonioAlvarezMember_documentation_en-US" xlink:label="lab_san_AnaBotinSanzDeSautuolaYOSheaAndJoseAntonioAlvarezMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Ana Botin-Sanz de Sautuola y O'Shea And Jose Antonio Alvarez</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AnaBotinSanzDeSautuolaYOSheaAndJoseAntonioAlvarezMember" xlink:href="san-20251231.xsd#san_AnaBotinSanzDeSautuolaYOSheaAndJoseAntonioAlvarezMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AnaBotinSanzDeSautuolaYOSheaAndJoseAntonioAlvarezMember" xlink:to="lab_san_AnaBotinSanzDeSautuolaYOSheaAndJoseAntonioAlvarezMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_HighQualityLiquidAssetsCashInflow_019ca0fb-c9cd-71f6-8878-5864edd11b98_terseLabel_en-US" xlink:label="lab_san_HighQualityLiquidAssetsCashInflow" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash inflows</link:label>
    <link:label id="lab_san_HighQualityLiquidAssetsCashInflow_label_en-US" xlink:label="lab_san_HighQualityLiquidAssetsCashInflow" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">High-Quality Liquid Assets, Cash Inflow</link:label>
    <link:label id="lab_san_HighQualityLiquidAssetsCashInflow_documentation_en-US" xlink:label="lab_san_HighQualityLiquidAssetsCashInflow" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">High-Quality Liquid Assets, Cash Inflow</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_HighQualityLiquidAssetsCashInflow" xlink:href="san-20251231.xsd#san_HighQualityLiquidAssetsCashInflow"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_HighQualityLiquidAssetsCashInflow" xlink:to="lab_san_HighQualityLiquidAssetsCashInflow" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TaxCreditForTaxesPaidAbroadThresholdAmountOfExemptDividends_019ca0fb-ca4e-76c6-b602-04c7129031ab_terseLabel_en-US" xlink:label="lab_san_TaxCreditForTaxesPaidAbroadThresholdAmountOfExemptDividends" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividend exemption, generating potential tax credit</link:label>
    <link:label id="lab_san_TaxCreditForTaxesPaidAbroadThresholdAmountOfExemptDividends_label_en-US" xlink:label="lab_san_TaxCreditForTaxesPaidAbroadThresholdAmountOfExemptDividends" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Credit For Taxes Paid Abroad, Threshold Amount Of Exempt Dividends</link:label>
    <link:label id="lab_san_TaxCreditForTaxesPaidAbroadThresholdAmountOfExemptDividends_documentation_en-US" xlink:label="lab_san_TaxCreditForTaxesPaidAbroadThresholdAmountOfExemptDividends" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of dividends paid to shareholders of the entity that are exempt from tax, such that taxes paid by the entity in respect of withholdings that exceed such amount, entitle the shareholders to tax credit.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TaxCreditForTaxesPaidAbroadThresholdAmountOfExemptDividends" xlink:href="san-20251231.xsd#san_TaxCreditForTaxesPaidAbroadThresholdAmountOfExemptDividends"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TaxCreditForTaxesPaidAbroadThresholdAmountOfExemptDividends" xlink:to="lab_san_TaxCreditForTaxesPaidAbroadThresholdAmountOfExemptDividends" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfIncomeTaxComponentsOfOtherComprehensiveIncomeTableTextBlock_019ca0fb-cbee-7626-88cc-3780bcaeb8c8_terseLabel_en-US" xlink:label="lab_san_DisclosureOfIncomeTaxComponentsOfOtherComprehensiveIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of tax recognized in equity</link:label>
    <link:label id="lab_san_DisclosureOfIncomeTaxComponentsOfOtherComprehensiveIncomeTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfIncomeTaxComponentsOfOtherComprehensiveIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Income Tax Components Of Other Comprehensive Income [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfIncomeTaxComponentsOfOtherComprehensiveIncomeTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfIncomeTaxComponentsOfOtherComprehensiveIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of tax recognized in consolidated equity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfIncomeTaxComponentsOfOtherComprehensiveIncomeTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfIncomeTaxComponentsOfOtherComprehensiveIncomeTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfIncomeTaxComponentsOfOtherComprehensiveIncomeTableTextBlock" xlink:to="lab_san_DisclosureOfIncomeTaxComponentsOfOtherComprehensiveIncomeTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight_019ca0fb-c9cd-7ae9-bdd0-9caf88a2cab5_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred payment, sustainability objective, weight</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Sustainability Objective, Weight</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Sustainability Objective, Weight</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight" xlink:to="lab_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NetLoanLossProvision_019ca0fb-cad3-7444-adf8-e90cdbb350cd_terseLabel_en-US" xlink:label="lab_san_NetLoanLossProvision" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net loan-loss provisions</link:label>
    <link:label id="lab_san_NetLoanLossProvision_019ca0fb-cad3-7b4a-a89f-1b42d05150bd_verboseLabel_en-US" xlink:label="lab_san_NetLoanLossProvision" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net loan-loss provisions</link:label>
    <link:label id="lab_san_NetLoanLossProvision_label_en-US" xlink:label="lab_san_NetLoanLossProvision" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Loan-Loss Provision</link:label>
    <link:label id="lab_san_NetLoanLossProvision_documentation_en-US" xlink:label="lab_san_NetLoanLossProvision" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net Loan-Loss Provision</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NetLoanLossProvision" xlink:href="san-20251231.xsd#san_NetLoanLossProvision"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NetLoanLossProvision" xlink:to="lab_san_NetLoanLossProvision" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesDomain_019ca0fb-ca4e-73a3-962f-31fe19373bfe_terseLabel_en-US" xlink:label="lab_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Type of measurement of expected credit losses [domain]</link:label>
    <link:label id="lab_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesDomain_label_en-US" xlink:label="lab_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Type of measurement of expected credit losses [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TypeOfMeasurementOfExpectedCreditLossesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesDomain" xlink:to="lab_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProvisionsForLabourProceedingsMember_019ca0fb-cad3-7e39-9cb9-954927815575_terseLabel_en-US" xlink:label="lab_san_ProvisionsForLabourProceedingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions for employment-related proceedings (Brazil)</link:label>
    <link:label id="lab_san_ProvisionsForLabourProceedingsMember_label_en-US" xlink:label="lab_san_ProvisionsForLabourProceedingsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provisions For Labour Proceedings [Member]</link:label>
    <link:label id="lab_san_ProvisionsForLabourProceedingsMember_documentation_en-US" xlink:label="lab_san_ProvisionsForLabourProceedingsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Provisions For Labour Proceedings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProvisionsForLabourProceedingsMember" xlink:href="san-20251231.xsd#san_ProvisionsForLabourProceedingsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProvisionsForLabourProceedingsMember" xlink:to="lab_san_ProvisionsForLabourProceedingsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfDepositsFromBanksExplanatory_019ca0fb-cbee-7c41-bd6d-c33ed643f737_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfDepositsFromBanksExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits from central banks and credit institutions</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfDepositsFromBanksExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfDepositsFromBanksExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of deposits from banks [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfDepositsFromBanksExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfDepositsFromBanksExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfDepositsFromBanksExplanatory" xlink:to="lab_ifrs-full_DisclosureOfDepositsFromBanksExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments_019ca0fb-c9cd-7160-b7b7-5c4df5e27b8a_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in the fair value of equity instruments measured at fair value through other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other comprehensive income, before tax, gains (losses) from investments in equity instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CreditEntitiesMember_019ca0fb-cad3-7872-92a0-3f62a19ab690_terseLabel_en-US" xlink:label="lab_san_CreditEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit entities</link:label>
    <link:label id="lab_san_CreditEntitiesMember_label_en-US" xlink:label="lab_san_CreditEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Entities [Member]</link:label>
    <link:label id="lab_san_CreditEntitiesMember_documentation_en-US" xlink:label="lab_san_CreditEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Credit Entities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CreditEntitiesMember" xlink:href="san-20251231.xsd#san_CreditEntitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CreditEntitiesMember" xlink:to="lab_san_CreditEntitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets_019ca0fb-c94e-7052-8e28-87df6147f55f_terseLabel_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, plant and equipment</link:label>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets_019ca0fb-c94e-710d-b76f-ec09eef185c8_netLabel_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Carrying amount</link:label>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets_019ca0fb-c94e-77d7-97fa-ee138ad7f76c_verboseLabel_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Premises and equipment, net</link:label>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets_label_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, plant and equipment including right-of-use assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets" xlink:to="lab_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent_019ca0fb-cad3-7305-97c0-06888ffa8b39_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase in profit due to reasonably possible increase in designated risk component</link:label>
    <link:label id="lab_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent_label_en-US" xlink:label="lab_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Profit And Loss Due To Reasonably Possible Increase In Designated Risk Component</link:label>
    <link:label id="lab_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) in profit and loss as a result of an increase in a designated risk component that was reasonably possible at the end of the reporting period. Excludes defined benefit plan obligations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" xlink:href="san-20251231.xsd#san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" xlink:to="lab_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValue_019ca0fb-cb6b-7dfd-b43a-c5058833ed51_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities, at fair value</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValue_019ca0fb-cb6b-7491-a821-293343679580_periodStartLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValue" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Liabilities at beginning of period</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValue_019ca0fb-cb6b-79ec-8c53-792c457dadba_periodEndLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValue" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Liabilities at end of period</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValue_label_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial liabilities, at fair value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialLiabilitiesAtFairValue" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialLiabilitiesAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialLiabilitiesAtFairValue" xlink:to="lab_ifrs-full_FinancialLiabilitiesAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RealEstateGuaranteeMember_019ca0fb-c94e-7454-b7cd-3bc31776326a_terseLabel_en-US" xlink:label="lab_san_RealEstateGuaranteeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Real estate guarantee</link:label>
    <link:label id="lab_san_RealEstateGuaranteeMember_label_en-US" xlink:label="lab_san_RealEstateGuaranteeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate Guarantee [Member]</link:label>
    <link:label id="lab_san_RealEstateGuaranteeMember_documentation_en-US" xlink:label="lab_san_RealEstateGuaranteeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for real estate guarantees.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RealEstateGuaranteeMember" xlink:href="san-20251231.xsd#san_RealEstateGuaranteeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RealEstateGuaranteeMember" xlink:to="lab_san_RealEstateGuaranteeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale_019ca0fb-c9cd-7769-8cba-ea0e41f870ff_terseLabel_en-US" xlink:label="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">NON-CURRENT ASSETS HELD FOR SALE</link:label>
    <link:label id="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale_019ca0fb-c9cd-72a7-86c3-896721aae32f_verboseLabel_en-US" xlink:label="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total non-current assets held for sale</link:label>
    <link:label id="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale_label_en-US" xlink:label="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-current assets or disposal groups classified as held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:to="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember_019ca0fb-cbee-7908-b54f-9e400c0e9a0d_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">One&#160;year&#160;to five years</link:label>
    <link:label id="lab_ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Later than one year and not later than five years [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember" xlink:to="lab_ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FinancialAssetsPercentage_019ca0fb-ca4e-7fe6-9e50-aa91509a15ab_terseLabel_en-US" xlink:label="lab_san_FinancialAssetsPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets (as a percent)</link:label>
    <link:label id="lab_san_FinancialAssetsPercentage_label_en-US" xlink:label="lab_san_FinancialAssetsPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Assets, Percentage</link:label>
    <link:label id="lab_san_FinancialAssetsPercentage_documentation_en-US" xlink:label="lab_san_FinancialAssetsPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial assets expressed as a percentage.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinancialAssetsPercentage" xlink:href="san-20251231.xsd#san_FinancialAssetsPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FinancialAssetsPercentage" xlink:to="lab_san_FinancialAssetsPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios_019ca0fb-ca4d-7033-95c2-1dccf898837f_terseLabel_en-US" xlink:label="lab_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of weightings associated with the macroeconomic scenarios</link:label>
    <link:label id="lab_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios_label_en-US" xlink:label="lab_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Weightings Associated With Macroeconomic Scenarios</link:label>
    <link:label id="lab_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios_documentation_en-US" xlink:label="lab_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the percentage of weightings associated with the macroeconomic scenarios.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" xlink:href="san-20251231.xsd#san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" xlink:to="lab_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DebtInstrumentsMember_019ca0fb-cb6b-75dc-8955-73d3bfc84783_terseLabel_en-US" xlink:label="lab_san_DebtInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Marketable debt securities</link:label>
    <link:label id="lab_san_DebtInstrumentsMember_label_en-US" xlink:label="lab_san_DebtInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instruments [Member]</link:label>
    <link:label id="lab_san_DebtInstrumentsMember_documentation_en-US" xlink:label="lab_san_DebtInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the amount of bonds and other debt represented by marketable securities, other than those having the substance of subordinated liabilities (amount of the loans received, which for credit priority purposes are after common creditors, and includes the amount of the financial instruments issued by the entity which, having the legal nature of capital, do not meet the requirements to qualify as equity, such as certain preferred shares issued). This item includes the component that has the consideration of financial liability of the securities issued that are compound financial instruments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DebtInstrumentsMember" xlink:href="san-20251231.xsd#san_DebtInstrumentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DebtInstrumentsMember" xlink:to="lab_san_DebtInstrumentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ContinuingOperationsMember_019ca0fb-c9cd-7af2-9544-98e16a2ada9c_terseLabel_en-US" xlink:label="lab_ifrs-full_ContinuingOperationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Continuing operations, unless line item indicates otherwise [member]</link:label>
    <link:label id="lab_ifrs-full_ContinuingOperationsMember_label_en-US" xlink:label="lab_ifrs-full_ContinuingOperationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Continuing operations, unless line item indicates otherwise [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ContinuingOperationsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ContinuingOperationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ContinuingOperationsMember" xlink:to="lab_ifrs-full_ContinuingOperationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementDomain_019ca0fb-cbee-7720-a962-9c8a557491a2_terseLabel_en-US" xlink:label="lab_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation techniques used in fair value measurement [domain]</link:label>
    <link:label id="lab_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementDomain_label_en-US" xlink:label="lab_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation techniques used in fair value measurement [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ValuationTechniquesUsedInFairValueMeasurementDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementDomain" xlink:to="lab_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsTable_019ca0fb-c94e-731b-8a96-7666d923affa_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about hedged items [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about hedged items [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsTable" xlink:to="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SettlementsFairValueMeasurementLiabilities_019ca0fb-c94e-7c1c-80fc-7d1d90efd8c3_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_SettlementsFairValueMeasurementLiabilities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Redemptions and repurchases</link:label>
    <link:label id="lab_ifrs-full_SettlementsFairValueMeasurementLiabilities_label_en-US" xlink:label="lab_ifrs-full_SettlementsFairValueMeasurementLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Settlements, fair value measurement, liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SettlementsFairValueMeasurementLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SettlementsFairValueMeasurementLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SettlementsFairValueMeasurementLiabilities" xlink:to="lab_ifrs-full_SettlementsFairValueMeasurementLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TopOfRangeMember_019ca0fb-c9cd-759f-ab52-9ea81dafc816_terseLabel_en-US" xlink:label="lab_ifrs-full_TopOfRangeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum</link:label>
    <link:label id="lab_ifrs-full_TopOfRangeMember_019ca0fb-c9cd-7839-987e-fe4e9eb4557c_verboseLabel_en-US" xlink:label="lab_ifrs-full_TopOfRangeMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Max</link:label>
    <link:label id="lab_ifrs-full_TopOfRangeMember_label_en-US" xlink:label="lab_ifrs-full_TopOfRangeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Top of range [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TopOfRangeMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TopOfRangeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TopOfRangeMember" xlink:to="lab_ifrs-full_TopOfRangeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_PLN_019ca0fb-cb6b-7f36-87a9-4ef031d18438_terseLabel_en-US" xlink:label="lab_currency_PLN" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Polish zloty</link:label>
    <link:label id="lab_currency_PLN_label_en-US" xlink:label="lab_currency_PLN" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Poland, Zlotych</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_PLN" xlink:href="https://xbrl.sec.gov/currency/2025/currency-2025.xsd#currency_PLN"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_PLN" xlink:to="lab_currency_PLN" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CommonEquityCapitalConservationBufferPercentage_019ca0fb-ca4e-724a-8c00-3beb35317fd7_terseLabel_en-US" xlink:label="lab_san_CommonEquityCapitalConservationBufferPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capital conservation buffer, percentage</link:label>
    <link:label id="lab_san_CommonEquityCapitalConservationBufferPercentage_label_en-US" xlink:label="lab_san_CommonEquityCapitalConservationBufferPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Equity Capital Conservation Buffer Percentage</link:label>
    <link:label id="lab_san_CommonEquityCapitalConservationBufferPercentage_documentation_en-US" xlink:label="lab_san_CommonEquityCapitalConservationBufferPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of Common Equity Capital required to be maintained to avoid breaches of minimum capital requirements, as defined by regulatory framework.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CommonEquityCapitalConservationBufferPercentage" xlink:href="san-20251231.xsd#san_CommonEquityCapitalConservationBufferPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CommonEquityCapitalConservationBufferPercentage" xlink:to="lab_san_CommonEquityCapitalConservationBufferPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PortfolioAndOtherManagementFeeIncomePensionFunds_019ca0fb-c9cd-7495-933f-ce8c2435029d_terseLabel_en-US" xlink:label="lab_san_PortfolioAndOtherManagementFeeIncomePensionFunds" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pension funds</link:label>
    <link:label id="lab_san_PortfolioAndOtherManagementFeeIncomePensionFunds_label_en-US" xlink:label="lab_san_PortfolioAndOtherManagementFeeIncomePensionFunds" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Portfolio And Other Management Fee Income, Pension Funds</link:label>
    <link:label id="lab_san_PortfolioAndOtherManagementFeeIncomePensionFunds_documentation_en-US" xlink:label="lab_san_PortfolioAndOtherManagementFeeIncomePensionFunds" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of income recognised from portfolio and other management fees from pension funds.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PortfolioAndOtherManagementFeeIncomePensionFunds" xlink:href="san-20251231.xsd#san_PortfolioAndOtherManagementFeeIncomePensionFunds"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PortfolioAndOtherManagementFeeIncomePensionFunds" xlink:to="lab_san_PortfolioAndOtherManagementFeeIncomePensionFunds" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments_019ca0fb-c94d-7853-9a34-5d5ed0c6e794_terseLabel_en-US" xlink:label="lab_san_AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial guarantees and other commitments</link:label>
    <link:label id="lab_san_AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments_label_en-US" xlink:label="lab_san_AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assigned Third Party Commissions Expense, Financial Guarantees And Other Commitments</link:label>
    <link:label id="lab_san_AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments_documentation_en-US" xlink:label="lab_san_AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Assigned Third Party Commissions Expense, Financial Guarantees And Other Commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments" xlink:href="san-20251231.xsd#san_AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments" xlink:to="lab_san_AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FixedIncomeAssetsMember_019ca0fb-ca4e-70c3-bd1c-21864cf04711_terseLabel_en-US" xlink:label="lab_san_FixedIncomeAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed Income Assets</link:label>
    <link:label id="lab_san_FixedIncomeAssetsMember_label_en-US" xlink:label="lab_san_FixedIncomeAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fixed Income Assets [Member]</link:label>
    <link:label id="lab_san_FixedIncomeAssetsMember_documentation_en-US" xlink:label="lab_san_FixedIncomeAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fixed Income Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FixedIncomeAssetsMember" xlink:href="san-20251231.xsd#san_FixedIncomeAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FixedIncomeAssetsMember" xlink:to="lab_san_FixedIncomeAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_StatementScenarioAxis_019ca0fb-ca4d-7573-80b2-d32e1adb560f_terseLabel_en-US" xlink:label="lab_srt_StatementScenarioAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Scenario [Axis]</link:label>
    <link:label id="lab_srt_StatementScenarioAxis_label_en-US" xlink:label="lab_srt_StatementScenarioAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Scenario [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementScenarioAxis" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StatementScenarioAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_StatementScenarioAxis" xlink:to="lab_srt_StatementScenarioAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToHedgesOfNetInvestmentsInForeignOperationsOfOtherComprehensiveIncome_019ca0fb-c94e-797e-b0ba-3f2253459310_terseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToHedgesOfNetInvestmentsInForeignOperationsOfOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging instruments (items not designated)</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToHedgesOfNetInvestmentsInForeignOperationsOfOtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToHedgesOfNetInvestmentsInForeignOperationsOfOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income tax relating to hedges of net investments in foreign operations included in other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncomeTaxRelatingToHedgesOfNetInvestmentsInForeignOperationsOfOtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncomeTaxRelatingToHedgesOfNetInvestmentsInForeignOperationsOfOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncomeTaxRelatingToHedgesOfNetInvestmentsInForeignOperationsOfOtherComprehensiveIncome" xlink:to="lab_ifrs-full_IncomeTaxRelatingToHedgesOfNetInvestmentsInForeignOperationsOfOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DecreaseThroughInsurancePremiumsPaidProvisions_019ca0fb-cb6b-7f8d-bad4-e3aff3e92180_negatedLabel_en-US" xlink:label="lab_san_DecreaseThroughInsurancePremiumsPaidProvisions" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Insurance premiums paid</link:label>
    <link:label id="lab_san_DecreaseThroughInsurancePremiumsPaidProvisions_label_en-US" xlink:label="lab_san_DecreaseThroughInsurancePremiumsPaidProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease Through Insurance Premiums Paid, Provisions</link:label>
    <link:label id="lab_san_DecreaseThroughInsurancePremiumsPaidProvisions_documentation_en-US" xlink:label="lab_san_DecreaseThroughInsurancePremiumsPaidProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Decrease Through Insurance Premiums Paid, Provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DecreaseThroughInsurancePremiumsPaidProvisions" xlink:href="san-20251231.xsd#san_DecreaseThroughInsurancePremiumsPaidProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DecreaseThroughInsurancePremiumsPaidProvisions" xlink:to="lab_san_DecreaseThroughInsurancePremiumsPaidProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedStatementOfComprehensiveIncomeTableTextBlock_019ca0fb-c94e-72d9-849a-dc63b137918b_terseLabel_en-US" xlink:label="lab_srt_CondensedStatementOfComprehensiveIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed statements of comprehensive income</link:label>
    <link:label id="lab_srt_CondensedStatementOfComprehensiveIncomeTableTextBlock_label_en-US" xlink:label="lab_srt_CondensedStatementOfComprehensiveIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Statement of Comprehensive Income [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedStatementOfComprehensiveIncomeTableTextBlock" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CondensedStatementOfComprehensiveIncomeTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedStatementOfComprehensiveIncomeTableTextBlock" xlink:to="lab_srt_CondensedStatementOfComprehensiveIncomeTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FeeAndCommissionIncomeOtherAbstract_019ca0fb-c94e-7b11-9715-99871844b03e_terseLabel_en-US" xlink:label="lab_san_FeeAndCommissionIncomeOtherAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_san_FeeAndCommissionIncomeOtherAbstract_label_en-US" xlink:label="lab_san_FeeAndCommissionIncomeOtherAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fee And Commission Income, Other [Abstract]</link:label>
    <link:label id="lab_san_FeeAndCommissionIncomeOtherAbstract_documentation_en-US" xlink:label="lab_san_FeeAndCommissionIncomeOtherAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">n/a.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FeeAndCommissionIncomeOtherAbstract" xlink:href="san-20251231.xsd#san_FeeAndCommissionIncomeOtherAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FeeAndCommissionIncomeOtherAbstract" xlink:to="lab_san_FeeAndCommissionIncomeOtherAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits_019ca0fb-cb6b-73ef-a1a6-f99ba4e79943_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable subject to long-term objectives in cash</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits_019ca0fb-cb6b-77ad-a69b-f0b160f70b3b_verboseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Cash&#160; payment</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Variable Cash-Based Long-Term Employee Benefits</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of variable cash-based compensation to key management personnel in the form of other long-term employee benefits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits" xlink:to="lab_san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfInformationAboutTermsAndConditionsOfHedgingInstrumentsAndHowTheyAffectFutureCashFlowsExplanatory_019ca0fb-cc70-7495-afc6-713b892c6b11_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfInformationAboutTermsAndConditionsOfHedgingInstrumentsAndHowTheyAffectFutureCashFlowsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of maturity profile of hedging instruments and average interest and exchange rate by maturity</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfInformationAboutTermsAndConditionsOfHedgingInstrumentsAndHowTheyAffectFutureCashFlowsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfInformationAboutTermsAndConditionsOfHedgingInstrumentsAndHowTheyAffectFutureCashFlowsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfInformationAboutTermsAndConditionsOfHedgingInstrumentsAndHowTheyAffectFutureCashFlowsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfInformationAboutTermsAndConditionsOfHedgingInstrumentsAndHowTheyAffectFutureCashFlowsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfInformationAboutTermsAndConditionsOfHedgingInstrumentsAndHowTheyAffectFutureCashFlowsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfInformationAboutTermsAndConditionsOfHedgingInstrumentsAndHowTheyAffectFutureCashFlowsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonFinancialServicesOtherExpenseOperating_019ca0fb-ca4e-7f9c-9638-9cf009ef77df_negatedTerseLabel_en-US" xlink:label="lab_san_NonFinancialServicesOtherExpenseOperating" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Non-financial services</link:label>
    <link:label id="lab_san_NonFinancialServicesOtherExpenseOperating_label_en-US" xlink:label="lab_san_NonFinancialServicesOtherExpenseOperating" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Financial Services Other Expense Operating</link:label>
    <link:label id="lab_san_NonFinancialServicesOtherExpenseOperating_documentation_en-US" xlink:label="lab_san_NonFinancialServicesOtherExpenseOperating" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of non-financial services operating expense that the entity does not separately disclose in the same statement or note.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonFinancialServicesOtherExpenseOperating" xlink:href="san-20251231.xsd#san_NonFinancialServicesOtherExpenseOperating"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonFinancialServicesOtherExpenseOperating" xlink:to="lab_san_NonFinancialServicesOtherExpenseOperating" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations_019ca0fb-c94e-7970-9f78-c067a96fb321_terseLabel_en-US" xlink:label="lab_ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Diluted earnings (loss) per share from discontinued operations (in euro per share)</link:label>
    <link:label id="lab_ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations_label_en-US" xlink:label="lab_ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Diluted earnings (loss) per share from discontinued operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations" xlink:to="lab_ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseKeyManagementPersonnelCompensationAttendanceFeesPercentage_019ca0fb-ca4e-7a25-9c26-33711cfb7d95_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseKeyManagementPersonnelCompensationAttendanceFeesPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) attendance fees (in percentage)</link:label>
    <link:label id="lab_san_IncreaseDecreaseKeyManagementPersonnelCompensationAttendanceFeesPercentage_label_en-US" xlink:label="lab_san_IncreaseDecreaseKeyManagementPersonnelCompensationAttendanceFeesPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Key Management Personnel Compensation, Attendance Fees, Percentage</link:label>
    <link:label id="lab_san_IncreaseDecreaseKeyManagementPersonnelCompensationAttendanceFeesPercentage_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseKeyManagementPersonnelCompensationAttendanceFeesPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Key Management Personnel Compensation, Attendance Fees, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseKeyManagementPersonnelCompensationAttendanceFeesPercentage" xlink:href="san-20251231.xsd#san_IncreaseDecreaseKeyManagementPersonnelCompensationAttendanceFeesPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseKeyManagementPersonnelCompensationAttendanceFeesPercentage" xlink:to="lab_san_IncreaseDecreaseKeyManagementPersonnelCompensationAttendanceFeesPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AggregatedIndividuallyImmaterialAssociatesMember_019ca0fb-cb6b-7438-b327-f73b5181677b_terseLabel_en-US" xlink:label="lab_ifrs-full_AggregatedIndividuallyImmaterialAssociatesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other companies</link:label>
    <link:label id="lab_ifrs-full_AggregatedIndividuallyImmaterialAssociatesMember_label_en-US" xlink:label="lab_ifrs-full_AggregatedIndividuallyImmaterialAssociatesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregated individually immaterial associates [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AggregatedIndividuallyImmaterialAssociatesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AggregatedIndividuallyImmaterialAssociatesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AggregatedIndividuallyImmaterialAssociatesMember" xlink:to="lab_ifrs-full_AggregatedIndividuallyImmaterialAssociatesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InterestExpenseOnLiabilitiesDueToCentralBanksAndCreditInstitutionsDeposits_019ca0fb-c94e-7dad-b491-c1407ad20d6a_terseLabel_en-US" xlink:label="lab_san_InterestExpenseOnLiabilitiesDueToCentralBanksAndCreditInstitutionsDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Central banks and credit institution deposits</link:label>
    <link:label id="lab_san_InterestExpenseOnLiabilitiesDueToCentralBanksAndCreditInstitutionsDeposits_label_en-US" xlink:label="lab_san_InterestExpenseOnLiabilitiesDueToCentralBanksAndCreditInstitutionsDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense On Liabilities Due To Central Banks And Credit Institutions Deposits</link:label>
    <link:label id="lab_san_InterestExpenseOnLiabilitiesDueToCentralBanksAndCreditInstitutionsDeposits_documentation_en-US" xlink:label="lab_san_InterestExpenseOnLiabilitiesDueToCentralBanksAndCreditInstitutionsDeposits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest Expense On Liabilities Due To Central Banks And Credit Institutions Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InterestExpenseOnLiabilitiesDueToCentralBanksAndCreditInstitutionsDeposits" xlink:href="san-20251231.xsd#san_InterestExpenseOnLiabilitiesDueToCentralBanksAndCreditInstitutionsDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InterestExpenseOnLiabilitiesDueToCentralBanksAndCreditInstitutionsDeposits" xlink:to="lab_san_InterestExpenseOnLiabilitiesDueToCentralBanksAndCreditInstitutionsDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RetailBankingSegmentMember_019ca0fb-cad3-7a10-9808-0ed93c8ab60b_terseLabel_en-US" xlink:label="lab_san_RetailBankingSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retail Banking segment</link:label>
    <link:label id="lab_san_RetailBankingSegmentMember_label_en-US" xlink:label="lab_san_RetailBankingSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retail Banking Segment [Member]</link:label>
    <link:label id="lab_san_RetailBankingSegmentMember_documentation_en-US" xlink:label="lab_san_RetailBankingSegmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to the Retail Banking (formerly Commercial Banking) segment. This covers all customer banking businesses, including consumer finance, except those of corporate banking, which are managed through the CIB, and asset management and private banking, which are managed by Wealth Management. The results of the hedging positions in each country are also included, conducted within the sphere of each one's Assets and Liabilities Committee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RetailBankingSegmentMember" xlink:href="san-20251231.xsd#san_RetailBankingSegmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RetailBankingSegmentMember" xlink:to="lab_san_RetailBankingSegmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax_019ca0fb-cad3-7b10-b328-ae422099cfb1_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Items that will not be reclassified to profit or loss</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other comprehensive income that will not be reclassified to profit or loss, net of tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RiskManagementAndControlModelNumberOfLinesOfDefense_019ca0fb-cad3-7ca5-b56b-b0387146d6db_terseLabel_en-US" xlink:label="lab_san_RiskManagementAndControlModelNumberOfLinesOfDefense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Risk management and control model, number of lines of defense</link:label>
    <link:label id="lab_san_RiskManagementAndControlModelNumberOfLinesOfDefense_label_en-US" xlink:label="lab_san_RiskManagementAndControlModelNumberOfLinesOfDefense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Risk Management And Control Model, Number Of Lines Of Defense</link:label>
    <link:label id="lab_san_RiskManagementAndControlModelNumberOfLinesOfDefense_documentation_en-US" xlink:label="lab_san_RiskManagementAndControlModelNumberOfLinesOfDefense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of lines of defense which form the base of the risk management and control model.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RiskManagementAndControlModelNumberOfLinesOfDefense" xlink:href="san-20251231.xsd#san_RiskManagementAndControlModelNumberOfLinesOfDefense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RiskManagementAndControlModelNumberOfLinesOfDefense" xlink:to="lab_san_RiskManagementAndControlModelNumberOfLinesOfDefense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfOffices_019ca0fb-cad3-7c59-822a-b944b23214f3_terseLabel_en-US" xlink:label="lab_san_NumberOfOffices" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of offices</link:label>
    <link:label id="lab_san_NumberOfOffices_label_en-US" xlink:label="lab_san_NumberOfOffices" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Offices</link:label>
    <link:label id="lab_san_NumberOfOffices_documentation_en-US" xlink:label="lab_san_NumberOfOffices" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of offices.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfOffices" xlink:href="san-20251231.xsd#san_NumberOfOffices"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfOffices" xlink:to="lab_san_NumberOfOffices" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MetrovacesaSAMember_019ca0fb-c9cd-72ab-b918-51069befd904_terseLabel_en-US" xlink:label="lab_san_MetrovacesaSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Metrovacesa, S.A.</link:label>
    <link:label id="lab_san_MetrovacesaSAMember_label_en-US" xlink:label="lab_san_MetrovacesaSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Metrovacesa S.A. [Member]</link:label>
    <link:label id="lab_san_MetrovacesaSAMember_documentation_en-US" xlink:label="lab_san_MetrovacesaSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Metrovacesa, S.A.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MetrovacesaSAMember" xlink:href="san-20251231.xsd#san_MetrovacesaSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MetrovacesaSAMember" xlink:to="lab_san_MetrovacesaSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DescriptionOfAccountingPolicyForChangesInEquityPolicyPolicyTextBlock_019ca0fb-cad3-76de-bf5a-09eadf538821_terseLabel_en-US" xlink:label="lab_san_DescriptionOfAccountingPolicyForChangesInEquityPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement of changes in total equity</link:label>
    <link:label id="lab_san_DescriptionOfAccountingPolicyForChangesInEquityPolicyPolicyTextBlock_label_en-US" xlink:label="lab_san_DescriptionOfAccountingPolicyForChangesInEquityPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description Of Accounting Policy For Changes In Equity, Policy [Policy Text Block]</link:label>
    <link:label id="lab_san_DescriptionOfAccountingPolicyForChangesInEquityPolicyPolicyTextBlock_documentation_en-US" xlink:label="lab_san_DescriptionOfAccountingPolicyForChangesInEquityPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The description of the entity's accounting policy for changes in equity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DescriptionOfAccountingPolicyForChangesInEquityPolicyPolicyTextBlock" xlink:href="san-20251231.xsd#san_DescriptionOfAccountingPolicyForChangesInEquityPolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DescriptionOfAccountingPolicyForChangesInEquityPolicyPolicyTextBlock" xlink:to="lab_san_DescriptionOfAccountingPolicyForChangesInEquityPolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities_019ca0fb-ca4e-7f40-9091-da409fa00e59_terseLabel_en-US" xlink:label="lab_san_SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Eligible preference shares and participating securities</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities_label_en-US" xlink:label="lab_san_SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Liabilities, Preference Shares And Preferred Securities</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities_documentation_en-US" xlink:label="lab_san_SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of liabilities for preference shares and preferred securities that are subordinate to other liabilities with respect to claims.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities" xlink:href="san-20251231.xsd#san_SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities" xlink:to="lab_san_SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesFiveYearPlanMember_019ca0fb-cb6b-7c14-81c5-2d886779f8e4_terseLabel_en-US" xlink:label="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesFiveYearPlanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred variable remuneration, five-year plan</link:label>
    <link:label id="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesFiveYearPlanMember_label_en-US" xlink:label="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesFiveYearPlanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Compensation Plan Multiannual Objectives, Five Year Plan [Member]</link:label>
    <link:label id="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesFiveYearPlanMember_documentation_en-US" xlink:label="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesFiveYearPlanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Compensation Plan Multiannual Objectives, Five Year Plan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableCompensationPlanMultiannualObjectivesFiveYearPlanMember" xlink:href="san-20251231.xsd#san_DeferredVariableCompensationPlanMultiannualObjectivesFiveYearPlanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableCompensationPlanMultiannualObjectivesFiveYearPlanMember" xlink:to="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesFiveYearPlanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesFourYearPlanMember_019ca0fb-cc70-7226-ab1f-1e66498e5ca1_terseLabel_en-US" xlink:label="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesFourYearPlanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred variable remuneration, four-year plan</link:label>
    <link:label id="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesFourYearPlanMember_label_en-US" xlink:label="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesFourYearPlanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Compensation Plan Multiannual Objectives, Four Year Plan [Member]</link:label>
    <link:label id="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesFourYearPlanMember_documentation_en-US" xlink:label="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesFourYearPlanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Compensation Plan Multiannual Objectives, Four Year Plan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableCompensationPlanMultiannualObjectivesFourYearPlanMember" xlink:href="san-20251231.xsd#san_DeferredVariableCompensationPlanMultiannualObjectivesFourYearPlanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableCompensationPlanMultiannualObjectivesFourYearPlanMember" xlink:to="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesFourYearPlanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome_019ca0fb-ca4e-7181-93dd-26b485bf2a83_negatedLabel_en-US" xlink:label="lab_san_ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Revaluation losses</link:label>
    <link:label id="lab_san_ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome_label_en-US" xlink:label="lab_san_ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reserve Of Losses On Remeasuring Financial Assets At Fair Value With Changes In Other Comprehensive Income</link:label>
    <link:label id="lab_san_ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome_documentation_en-US" xlink:label="lab_san_ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A component of equity representing accumulated losses on remeasuring available-for-sale financial assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" xlink:href="san-20251231.xsd#san_ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" xlink:to="lab_san_ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FormerExecutiveVicePresidentsMember_019ca0fb-c94e-7566-a498-f95f9517c33d_terseLabel_en-US" xlink:label="lab_san_FormerExecutiveVicePresidentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Former executive vice presidents</link:label>
    <link:label id="lab_san_FormerExecutiveVicePresidentsMember_label_en-US" xlink:label="lab_san_FormerExecutiveVicePresidentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Former Executive Vice Presidents [Member]</link:label>
    <link:label id="lab_san_FormerExecutiveVicePresidentsMember_documentation_en-US" xlink:label="lab_san_FormerExecutiveVicePresidentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents former executive vice presidents.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FormerExecutiveVicePresidentsMember" xlink:href="san-20251231.xsd#san_FormerExecutiveVicePresidentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FormerExecutiveVicePresidentsMember" xlink:to="lab_san_FormerExecutiveVicePresidentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AdjustmentsForIncreaseDecreaseInOperatingLiabilities_019ca0fb-cad3-7efb-a9ce-0e65e5d10235_totalLabel_en-US" xlink:label="lab_san_AdjustmentsForIncreaseDecreaseInOperatingLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net increase/(decrease) in operating liabilities</link:label>
    <link:label id="lab_san_AdjustmentsForIncreaseDecreaseInOperatingLiabilities_019ca0fb-cad3-7a80-abb5-7c446c33e726_terseLabel_en-US" xlink:label="lab_san_AdjustmentsForIncreaseDecreaseInOperatingLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net increase/decrease in operating liabilities</link:label>
    <link:label id="lab_san_AdjustmentsForIncreaseDecreaseInOperatingLiabilities_label_en-US" xlink:label="lab_san_AdjustmentsForIncreaseDecreaseInOperatingLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments For Increase Decrease In Operating Liabilities</link:label>
    <link:label id="lab_san_AdjustmentsForIncreaseDecreaseInOperatingLiabilities_documentation_en-US" xlink:label="lab_san_AdjustmentsForIncreaseDecreaseInOperatingLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Adjustments for increase (decrease) in operating liabilities to reconcile profit (loss) to net cash flow from (used in) operating activities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AdjustmentsForIncreaseDecreaseInOperatingLiabilities" xlink:href="san-20251231.xsd#san_AdjustmentsForIncreaseDecreaseInOperatingLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AdjustmentsForIncreaseDecreaseInOperatingLiabilities" xlink:to="lab_san_AdjustmentsForIncreaseDecreaseInOperatingLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_019ca0fb-cad3-7dc5-b1b4-8672cd462156_terseLabel_en-US" xlink:label="lab_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying amount, accumulated depreciation, amortisation and impairment and gross carrying amount [axis]</link:label>
    <link:label id="lab_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis_label_en-US" xlink:label="lab_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Carrying amount, accumulated depreciation, amortisation and impairment and gross carrying amount [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis" xlink:to="lab_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SegmentItemsAxis_019ca0fb-cbee-700b-aecd-9208f6bd2169_terseLabel_en-US" xlink:label="lab_san_SegmentItemsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segment Items [Axis]</link:label>
    <link:label id="lab_san_SegmentItemsAxis_label_en-US" xlink:label="lab_san_SegmentItemsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Items [Axis]</link:label>
    <link:label id="lab_san_SegmentItemsAxis_documentation_en-US" xlink:label="lab_san_SegmentItemsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Segment Items</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SegmentItemsAxis" xlink:href="san-20251231.xsd#san_SegmentItemsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SegmentItemsAxis" xlink:to="lab_san_SegmentItemsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DefinedBenefitObligationAtPresentValue_019ca0fb-cb6b-7fb6-8c76-f88f5c248007_totalLabel_en-US" xlink:label="lab_ifrs-full_DefinedBenefitObligationAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Present value of the obligations</link:label>
    <link:label id="lab_ifrs-full_DefinedBenefitObligationAtPresentValue_019ca0fb-cb6b-73e2-bcfa-57cbedc3d71d_verboseLabel_en-US" xlink:label="lab_ifrs-full_DefinedBenefitObligationAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Present value of the obligations</link:label>
    <link:label id="lab_ifrs-full_DefinedBenefitObligationAtPresentValue_label_en-US" xlink:label="lab_ifrs-full_DefinedBenefitObligationAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined benefit obligation, at present value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DefinedBenefitObligationAtPresentValue" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DefinedBenefitObligationAtPresentValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DefinedBenefitObligationAtPresentValue" xlink:to="lab_ifrs-full_DefinedBenefitObligationAtPresentValue" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherRelatedPartiesMember_019ca0fb-cc70-7739-ae9f-62c4c319296f_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherRelatedPartiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other related parties</link:label>
    <link:label id="lab_ifrs-full_OtherRelatedPartiesMember_label_en-US" xlink:label="lab_ifrs-full_OtherRelatedPartiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other related parties [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherRelatedPartiesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherRelatedPartiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherRelatedPartiesMember" xlink:to="lab_ifrs-full_OtherRelatedPartiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CurrencyRiskMember_019ca0fb-cbee-71f0-ac37-8965a1895f1f_terseLabel_en-US" xlink:label="lab_ifrs-full_CurrencyRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Currency risk</link:label>
    <link:label id="lab_ifrs-full_CurrencyRiskMember_019ca0fb-cbee-78c1-88ac-e09ae12a3698_verboseLabel_en-US" xlink:label="lab_ifrs-full_CurrencyRiskMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Currency risk</link:label>
    <link:label id="lab_ifrs-full_CurrencyRiskMember_019ca0fb-cbee-77f3-8ed5-2a3af56e863c_netLabel_en-US" xlink:label="lab_ifrs-full_CurrencyRiskMember" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Exchange rate</link:label>
    <link:label id="lab_ifrs-full_CurrencyRiskMember_label_en-US" xlink:label="lab_ifrs-full_CurrencyRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Currency risk [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CurrencyRiskMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CurrencyRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CurrencyRiskMember" xlink:to="lab_ifrs-full_CurrencyRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss_019ca0fb-ca4e-76d6-ace1-a3aee2682307_totalLabel_en-US" xlink:label="lab_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net impairment losses for the year</link:label>
    <link:label id="lab_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss_019ca0fb-ca4e-7846-b480-d362ec9fafed_terseLabel_en-US" xlink:label="lab_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impairment losses charged to income for the year</link:label>
    <link:label id="lab_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss_019ca0fb-ca4e-7c30-8867-43df6f30d62a_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Impairment losses charged to income for the year</link:label>
    <link:label id="lab_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss_label_en-US" xlink:label="lab_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment loss (reversal of impairment loss) recognised in profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:to="lab_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AssetsThatEntityContinuesToRecognise_019ca0fb-c9cd-7637-9e72-af133d4e431c_terseLabel_en-US" xlink:label="lab_ifrs-full_AssetsThatEntityContinuesToRecognise" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securitized loans retained on the balance sheet</link:label>
    <link:label id="lab_ifrs-full_AssetsThatEntityContinuesToRecognise_label_en-US" xlink:label="lab_ifrs-full_AssetsThatEntityContinuesToRecognise" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets that entity continues to recognise</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AssetsThatEntityContinuesToRecognise" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AssetsThatEntityContinuesToRecognise"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AssetsThatEntityContinuesToRecognise" xlink:to="lab_ifrs-full_AssetsThatEntityContinuesToRecognise" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DefinedBenefitObligationPensionableBasePercentAverageOfLastThreeVariableRemunerationAmounts_019ca0fb-c94e-7a4c-8620-13ed2af3776b_terseLabel_en-US" xlink:label="lab_san_DefinedBenefitObligationPensionableBasePercentAverageOfLastThreeVariableRemunerationAmounts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pensionable base, percent of average last three variable renumeration amounts used in determination</link:label>
    <link:label id="lab_san_DefinedBenefitObligationPensionableBasePercentAverageOfLastThreeVariableRemunerationAmounts_label_en-US" xlink:label="lab_san_DefinedBenefitObligationPensionableBasePercentAverageOfLastThreeVariableRemunerationAmounts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Obligation, Pensionable Base, Percent Average Of Last Three Variable Remuneration Amounts</link:label>
    <link:label id="lab_san_DefinedBenefitObligationPensionableBasePercentAverageOfLastThreeVariableRemunerationAmounts_documentation_en-US" xlink:label="lab_san_DefinedBenefitObligationPensionableBasePercentAverageOfLastThreeVariableRemunerationAmounts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Obligation, Pensionable Base, Percent Average Of Last Three Variable Remuneration Amounts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DefinedBenefitObligationPensionableBasePercentAverageOfLastThreeVariableRemunerationAmounts" xlink:href="san-20251231.xsd#san_DefinedBenefitObligationPensionableBasePercentAverageOfLastThreeVariableRemunerationAmounts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DefinedBenefitObligationPensionableBasePercentAverageOfLastThreeVariableRemunerationAmounts" xlink:to="lab_san_DefinedBenefitObligationPensionableBasePercentAverageOfLastThreeVariableRemunerationAmounts" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PurchaseOfNonCurrentAssetsAndLiabilitiesClassifiedAsHeldForSale_019ca0fb-c9cd-7ddf-b15e-9cce12dfc354_terseLabel_en-US" xlink:label="lab_san_PurchaseOfNonCurrentAssetsAndLiabilitiesClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-current assets held for sale and associated liabilities</link:label>
    <link:label id="lab_san_PurchaseOfNonCurrentAssetsAndLiabilitiesClassifiedAsHeldForSale_label_en-US" xlink:label="lab_san_PurchaseOfNonCurrentAssetsAndLiabilitiesClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Purchase Of Non-Current Assets And Liabilities Classified As Held-For-Sale</link:label>
    <link:label id="lab_san_PurchaseOfNonCurrentAssetsAndLiabilitiesClassifiedAsHeldForSale_documentation_en-US" xlink:label="lab_san_PurchaseOfNonCurrentAssetsAndLiabilitiesClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Purchase Of Non-Current Assets And Liabilities Classified As Held-For-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PurchaseOfNonCurrentAssetsAndLiabilitiesClassifiedAsHeldForSale" xlink:href="san-20251231.xsd#san_PurchaseOfNonCurrentAssetsAndLiabilitiesClassifiedAsHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PurchaseOfNonCurrentAssetsAndLiabilitiesClassifiedAsHeldForSale" xlink:to="lab_san_PurchaseOfNonCurrentAssetsAndLiabilitiesClassifiedAsHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherAmericanCountriesMember_019ca0fb-cad3-7c19-9051-e12b9089a258_verboseLabel_en-US" xlink:label="lab_san_OtherAmericanCountriesMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other American countries</link:label>
    <link:label id="lab_san_OtherAmericanCountriesMember_019ca0fb-cad3-7e8a-bbca-7fe57b7c0aa5_terseLabel_en-US" xlink:label="lab_san_OtherAmericanCountriesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rest of America</link:label>
    <link:label id="lab_san_OtherAmericanCountriesMember_label_en-US" xlink:label="lab_san_OtherAmericanCountriesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other American Countries [Member]</link:label>
    <link:label id="lab_san_OtherAmericanCountriesMember_documentation_en-US" xlink:label="lab_san_OtherAmericanCountriesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other American Countries.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherAmericanCountriesMember" xlink:href="san-20251231.xsd#san_OtherAmericanCountriesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherAmericanCountriesMember" xlink:to="lab_san_OtherAmericanCountriesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets_019ca0fb-cad3-709c-bbea-7e73b067fd3b_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Decrease in fair value assets due to changes in inputs</link:label>
    <link:label id="lab_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets_label_en-US" xlink:label="lab_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease in fair value measurement due to change in multiple unobservable inputs to reflect reasonably possible alternative assumptions, assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" xlink:to="lab_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ShareholderRemunerationSystemAndEarningsPerShareAbstract_019ca0fb-ca4e-7c13-88ec-ce06a63a6efc_terseLabel_en-US" xlink:label="lab_san_ShareholderRemunerationSystemAndEarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shareholder remuneration system and earnings per share</link:label>
    <link:label id="lab_san_ShareholderRemunerationSystemAndEarningsPerShareAbstract_label_en-US" xlink:label="lab_san_ShareholderRemunerationSystemAndEarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Shareholder Remuneration System And Earnings Per Share [Abstract]</link:label>
    <link:label id="lab_san_ShareholderRemunerationSystemAndEarningsPerShareAbstract_documentation_en-US" xlink:label="lab_san_ShareholderRemunerationSystemAndEarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">No definition available.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ShareholderRemunerationSystemAndEarningsPerShareAbstract" xlink:href="san-20251231.xsd#san_ShareholderRemunerationSystemAndEarningsPerShareAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ShareholderRemunerationSystemAndEarningsPerShareAbstract" xlink:to="lab_san_ShareholderRemunerationSystemAndEarningsPerShareAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderGroupUKMember_019ca0fb-c9cd-7ec1-8199-00555179547c_terseLabel_en-US" xlink:label="lab_san_SantanderGroupUKMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Group UK</link:label>
    <link:label id="lab_san_SantanderGroupUKMember_label_en-US" xlink:label="lab_san_SantanderGroupUKMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Group UK [Member]</link:label>
    <link:label id="lab_san_SantanderGroupUKMember_documentation_en-US" xlink:label="lab_san_SantanderGroupUKMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Group UK</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderGroupUKMember" xlink:href="san-20251231.xsd#san_SantanderGroupUKMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderGroupUKMember" xlink:to="lab_san_SantanderGroupUKMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DecreaseThroughReleaseOfExtraordinaryProvisions_019ca0fb-cb6b-7f52-bf77-9ceb09f5159d_negatedLabel_en-US" xlink:label="lab_san_DecreaseThroughReleaseOfExtraordinaryProvisions" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Release</link:label>
    <link:label id="lab_san_DecreaseThroughReleaseOfExtraordinaryProvisions_label_en-US" xlink:label="lab_san_DecreaseThroughReleaseOfExtraordinaryProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease Through Release Of Extraordinary Provisions</link:label>
    <link:label id="lab_san_DecreaseThroughReleaseOfExtraordinaryProvisions_documentation_en-US" xlink:label="lab_san_DecreaseThroughReleaseOfExtraordinaryProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Release of extraordinary provisions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DecreaseThroughReleaseOfExtraordinaryProvisions" xlink:href="san-20251231.xsd#san_DecreaseThroughReleaseOfExtraordinaryProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DecreaseThroughReleaseOfExtraordinaryProvisions" xlink:to="lab_san_DecreaseThroughReleaseOfExtraordinaryProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DirectorRemunerationAbstract_019ca0fb-c9cd-781b-88cf-ff2258b34897_terseLabel_en-US" xlink:label="lab_san_DirectorRemunerationAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Remuneration of key personnel</link:label>
    <link:label id="lab_san_DirectorRemunerationAbstract_label_en-US" xlink:label="lab_san_DirectorRemunerationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Director Remuneration [Abstract]</link:label>
    <link:label id="lab_san_DirectorRemunerationAbstract_documentation_en-US" xlink:label="lab_san_DirectorRemunerationAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">No definition available.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DirectorRemunerationAbstract" xlink:href="san-20251231.xsd#san_DirectorRemunerationAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DirectorRemunerationAbstract" xlink:to="lab_san_DirectorRemunerationAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncome_019ca0fb-ca4e-7b7c-ad7b-ae7801552955_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">OTHER RECOGNISED INCOME AND EXPENSE</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncome_019ca0fb-ca4e-7cb7-8dd2-1a52d9b00e35_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">OTHER RECOGNISED INCOME AND EXPENSE</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncome" xlink:to="lab_ifrs-full_OtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfLiabilitiesAxis_019ca0fb-ca4e-7c39-987a-fe383a3ec5ee_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of liabilities [axis]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfLiabilitiesAxis_label_en-US" xlink:label="lab_ifrs-full_ClassesOfLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of liabilities [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfLiabilitiesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfLiabilitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfLiabilitiesAxis" xlink:to="lab_ifrs-full_ClassesOfLiabilitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets_019ca0fb-cb6b-7337-89e2-71c3e83f6803_negatedLabel_en-US" xlink:label="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Transfers out of Level 3 of fair value hierarchy, assets</link:label>
    <link:label id="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets_label_en-US" xlink:label="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfers out of Level 3 of fair value hierarchy, assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets" xlink:to="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ExecutiveDirectorsAndMembersOfIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember_019ca0fb-cb6b-7f34-a050-e5cb833f6802_terseLabel_en-US" xlink:label="lab_san_ExecutiveDirectorsAndMembersOfIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Executive directors and members of identified staff with total variable remuneration specified amount</link:label>
    <link:label id="lab_san_ExecutiveDirectorsAndMembersOfIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember_label_en-US" xlink:label="lab_san_ExecutiveDirectorsAndMembersOfIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Executive Directors And Members Of Identified Staff With Total Variable Remuneration Specified Amount [Member]</link:label>
    <link:label id="lab_san_ExecutiveDirectorsAndMembersOfIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember_documentation_en-US" xlink:label="lab_san_ExecutiveDirectorsAndMembersOfIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents executive directors and members of the Identified Staff with specified total variable remuneration.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ExecutiveDirectorsAndMembersOfIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember" xlink:href="san-20251231.xsd#san_ExecutiveDirectorsAndMembersOfIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ExecutiveDirectorsAndMembersOfIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember" xlink:to="lab_san_ExecutiveDirectorsAndMembersOfIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_019ca0fb-ca4e-7577-beb7-39499c60b5b6_terseLabel_en-US" xlink:label="lab_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Types of share-based payment arrangements [axis]</link:label>
    <link:label id="lab_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis_label_en-US" xlink:label="lab_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Types of share-based payment arrangements [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TypesOfSharebasedPaymentArrangementsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis" xlink:to="lab_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions_019ca0fb-c9cd-7c85-ab3e-aa2823b59004_terseLabel_en-US" xlink:label="lab_ifrs-full_CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Life insurance, amount</link:label>
    <link:label id="lab_ifrs-full_CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions_label_en-US" xlink:label="lab_ifrs-full_CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments made on behalf of entity, related party transactions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions" xlink:to="lab_ifrs-full_CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense_019ca0fb-cbee-72cb-a4cd-4bcc31b0c4f2_terseLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Depreciation and amortisation cost</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments for depreciation and amortisation expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense" xlink:to="lab_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_HomePurchaseLoansMember_019ca0fb-c9cd-7b2c-8713-cc0f7fb3e407_terseLabel_en-US" xlink:label="lab_san_HomePurchaseLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property assets from home purchase mortgage loans to households</link:label>
    <link:label id="lab_san_HomePurchaseLoansMember_019ca0fb-c9cd-71ee-8648-6ac7df89bfef_verboseLabel_en-US" xlink:label="lab_san_HomePurchaseLoansMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Mortgages</link:label>
    <link:label id="lab_san_HomePurchaseLoansMember_label_en-US" xlink:label="lab_san_HomePurchaseLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Home Purchase Loans [Member]</link:label>
    <link:label id="lab_san_HomePurchaseLoansMember_documentation_en-US" xlink:label="lab_san_HomePurchaseLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for a class of financial assets that represents loans to finance the purchase of a home.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_HomePurchaseLoansMember" xlink:href="san-20251231.xsd#san_HomePurchaseLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_HomePurchaseLoansMember" xlink:to="lab_san_HomePurchaseLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IssueOfEquity_019ca0fb-c9cd-7c8f-9049-ffaf328fe145_terseLabel_en-US" xlink:label="lab_ifrs-full_IssueOfEquity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance of ordinary shares</link:label>
    <link:label id="lab_ifrs-full_IssueOfEquity_label_en-US" xlink:label="lab_ifrs-full_IssueOfEquity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issue of equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IssueOfEquity" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IssueOfEquity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IssueOfEquity" xlink:to="lab_ifrs-full_IssueOfEquity" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfUndiscountedContractualMaturitiesOfFinancialLiabilitiesAtAmortizedCostByMaturityTableTextBlock_019ca0fb-cb6b-76af-a514-8f0c61a2762f_terseLabel_en-US" xlink:label="lab_san_ScheduleOfUndiscountedContractualMaturitiesOfFinancialLiabilitiesAtAmortizedCostByMaturityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of undiscounted contractual maturities of financial liabilities at amortized cost by maturity</link:label>
    <link:label id="lab_san_ScheduleOfUndiscountedContractualMaturitiesOfFinancialLiabilitiesAtAmortizedCostByMaturityTableTextBlock_label_en-US" xlink:label="lab_san_ScheduleOfUndiscountedContractualMaturitiesOfFinancialLiabilitiesAtAmortizedCostByMaturityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Undiscounted Contractual Maturities Of Financial Liabilities At Amortized Cost By Maturity [Table Text Block]</link:label>
    <link:label id="lab_san_ScheduleOfUndiscountedContractualMaturitiesOfFinancialLiabilitiesAtAmortizedCostByMaturityTableTextBlock_documentation_en-US" xlink:label="lab_san_ScheduleOfUndiscountedContractualMaturitiesOfFinancialLiabilitiesAtAmortizedCostByMaturityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of undiscounted contractual maturities of financial liabilities at amortized cost.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfUndiscountedContractualMaturitiesOfFinancialLiabilitiesAtAmortizedCostByMaturityTableTextBlock" xlink:href="san-20251231.xsd#san_ScheduleOfUndiscountedContractualMaturitiesOfFinancialLiabilitiesAtAmortizedCostByMaturityTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfUndiscountedContractualMaturitiesOfFinancialLiabilitiesAtAmortizedCostByMaturityTableTextBlock" xlink:to="lab_san_ScheduleOfUndiscountedContractualMaturitiesOfFinancialLiabilitiesAtAmortizedCostByMaturityTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PessimisticScenarioMember_019ca0fb-cbee-79f8-b202-e61d65da7a42_terseLabel_en-US" xlink:label="lab_san_PessimisticScenarioMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pessimistic scenario&#160;</link:label>
    <link:label id="lab_san_PessimisticScenarioMember_label_en-US" xlink:label="lab_san_PessimisticScenarioMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pessimistic Scenario [Member]</link:label>
    <link:label id="lab_san_PessimisticScenarioMember_documentation_en-US" xlink:label="lab_san_PessimisticScenarioMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to pessimistic scenario.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PessimisticScenarioMember" xlink:href="san-20251231.xsd#san_PessimisticScenarioMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PessimisticScenarioMember" xlink:to="lab_san_PessimisticScenarioMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeOtherFeesAndCommissions_019ca0fb-cad3-76ff-b254-14e9c0fd8200_terseLabel_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeOtherFeesAndCommissions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other fees and commissions</link:label>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeOtherFeesAndCommissions_label_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeOtherFeesAndCommissions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Fee And Commission Income, Other Fees And Commissions</link:label>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeOtherFeesAndCommissions_documentation_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeOtherFeesAndCommissions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of other fee and commission income from other fees and commissions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherFeeAndCommissionIncomeOtherFeesAndCommissions" xlink:href="san-20251231.xsd#san_OtherFeeAndCommissionIncomeOtherFeesAndCommissions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherFeeAndCommissionIncomeOtherFeesAndCommissions" xlink:to="lab_san_OtherFeeAndCommissionIncomeOtherFeesAndCommissions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract_019ca0fb-cad3-73df-8278-5978c522bc29_terseLabel_en-US" xlink:label="lab_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in property, plant and equipment [abstract]</link:label>
    <link:label id="lab_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract_label_en-US" xlink:label="lab_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Changes in property, plant and equipment [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract" xlink:to="lab_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BrokerageFeeIncomeAssetManagement_019ca0fb-cb6b-7fb5-86f1-2c129ba6c986_terseLabel_en-US" xlink:label="lab_san_BrokerageFeeIncomeAssetManagement" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Asset management</link:label>
    <link:label id="lab_san_BrokerageFeeIncomeAssetManagement_label_en-US" xlink:label="lab_san_BrokerageFeeIncomeAssetManagement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Brokerage Fee Income Asset Management</link:label>
    <link:label id="lab_san_BrokerageFeeIncomeAssetManagement_documentation_en-US" xlink:label="lab_san_BrokerageFeeIncomeAssetManagement" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of income recognised for brokerage fees charged by the entity for income asset management.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BrokerageFeeIncomeAssetManagement" xlink:href="san-20251231.xsd#san_BrokerageFeeIncomeAssetManagement"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BrokerageFeeIncomeAssetManagement" xlink:to="lab_san_BrokerageFeeIncomeAssetManagement" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RecognisedAssetsDefinedBenefitPlan_019ca0fb-ca4e-732d-ae65-dc339b830043_terseLabel_en-US" xlink:label="lab_ifrs-full_RecognisedAssetsDefinedBenefitPlan" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net pension plan assets (note&#160;25)</link:label>
    <link:label id="lab_ifrs-full_RecognisedAssetsDefinedBenefitPlan_label_en-US" xlink:label="lab_ifrs-full_RecognisedAssetsDefinedBenefitPlan" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net defined benefit asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RecognisedAssetsDefinedBenefitPlan" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RecognisedAssetsDefinedBenefitPlan"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RecognisedAssetsDefinedBenefitPlan" xlink:to="lab_ifrs-full_RecognisedAssetsDefinedBenefitPlan" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfChangesInTangibleAssetsTableTextBlock_019ca0fb-ca4d-7a51-9c3d-b65e7ee81d14_terseLabel_en-US" xlink:label="lab_san_DisclosureOfChangesInTangibleAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of changes in tangible assets in the consolidated balance sheets</link:label>
    <link:label id="lab_san_DisclosureOfChangesInTangibleAssetsTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfChangesInTangibleAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Changes In Tangible Assets [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfChangesInTangibleAssetsTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfChangesInTangibleAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The tabular disclosure of changes in tangible assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfChangesInTangibleAssetsTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfChangesInTangibleAssetsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfChangesInTangibleAssetsTableTextBlock" xlink:to="lab_san_DisclosureOfChangesInTangibleAssetsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DefinedBenefitPlansInterestExpenseNet_019ca0fb-cc70-71e3-891c-4b403228428e_terseLabel_en-US" xlink:label="lab_san_DefinedBenefitPlansInterestExpenseNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest cost (net)</link:label>
    <link:label id="lab_san_DefinedBenefitPlansInterestExpenseNet_label_en-US" xlink:label="lab_san_DefinedBenefitPlansInterestExpenseNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plans, Interest Expense Net</link:label>
    <link:label id="lab_san_DefinedBenefitPlansInterestExpenseNet_documentation_en-US" xlink:label="lab_san_DefinedBenefitPlansInterestExpenseNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of interest expense net recognized related to defined benefit plan.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DefinedBenefitPlansInterestExpenseNet" xlink:href="san-20251231.xsd#san_DefinedBenefitPlansInterestExpenseNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DefinedBenefitPlansInterestExpenseNet" xlink:to="lab_san_DefinedBenefitPlansInterestExpenseNet" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PortfolioAndOtherManagementFeeIncomeInvestmentFunds_019ca0fb-cbee-7fcb-a105-1f8e431f4325_terseLabel_en-US" xlink:label="lab_san_PortfolioAndOtherManagementFeeIncomeInvestmentFunds" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment funds</link:label>
    <link:label id="lab_san_PortfolioAndOtherManagementFeeIncomeInvestmentFunds_label_en-US" xlink:label="lab_san_PortfolioAndOtherManagementFeeIncomeInvestmentFunds" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Portfolio And Other Management Fee Income, Investment Funds</link:label>
    <link:label id="lab_san_PortfolioAndOtherManagementFeeIncomeInvestmentFunds_documentation_en-US" xlink:label="lab_san_PortfolioAndOtherManagementFeeIncomeInvestmentFunds" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of income recognised from portfolio and other management fees from investment funds.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PortfolioAndOtherManagementFeeIncomeInvestmentFunds" xlink:href="san-20251231.xsd#san_PortfolioAndOtherManagementFeeIncomeInvestmentFunds"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PortfolioAndOtherManagementFeeIncomeInvestmentFunds" xlink:to="lab_san_PortfolioAndOtherManagementFeeIncomeInvestmentFunds" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RemainingRecoveryPeriodOfDeferredTaxAssetsForTemporaryDifferences_019ca0fb-ca4e-7c15-b44c-a6c200e71db5_terseLabel_en-US" xlink:label="lab_san_RemainingRecoveryPeriodOfDeferredTaxAssetsForTemporaryDifferences" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred tax asset recovery period</link:label>
    <link:label id="lab_san_RemainingRecoveryPeriodOfDeferredTaxAssetsForTemporaryDifferences_label_en-US" xlink:label="lab_san_RemainingRecoveryPeriodOfDeferredTaxAssetsForTemporaryDifferences" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Remaining Recovery Period Of Deferred Tax Assets For Temporary Differences</link:label>
    <link:label id="lab_san_RemainingRecoveryPeriodOfDeferredTaxAssetsForTemporaryDifferences_documentation_en-US" xlink:label="lab_san_RemainingRecoveryPeriodOfDeferredTaxAssetsForTemporaryDifferences" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The remaining recovery period of deferred tax assets for temporary differences.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RemainingRecoveryPeriodOfDeferredTaxAssetsForTemporaryDifferences" xlink:href="san-20251231.xsd#san_RemainingRecoveryPeriodOfDeferredTaxAssetsForTemporaryDifferences"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RemainingRecoveryPeriodOfDeferredTaxAssetsForTemporaryDifferences" xlink:to="lab_san_RemainingRecoveryPeriodOfDeferredTaxAssetsForTemporaryDifferences" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue_019ca0fb-cad3-72b2-a3ee-2b22a5acf679_terseLabel_en-US" xlink:label="lab_san_DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-service bonuses and other benefits</link:label>
    <link:label id="lab_san_DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue_label_en-US" xlink:label="lab_san_DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Obligation Of Long-Service Bonuses And Other Benefits At Present Value</link:label>
    <link:label id="lab_san_DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue_documentation_en-US" xlink:label="lab_san_DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The present value, without deducting any plan assets, of expected future payments required to settle the obligation of long-service bonuses and other benefits resulting from employee service in the current and prior periods.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue" xlink:href="san-20251231.xsd#san_DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue" xlink:to="lab_san_DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EquityAttributableToOwnersOfParentExcludingAccumulatedOtherComprehensiveIncome_019ca0fb-cb6b-7e8f-b63b-a68e7a73523b_totalLabel_en-US" xlink:label="lab_san_EquityAttributableToOwnersOfParentExcludingAccumulatedOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">SHAREHOLDERS&#180; EQUITY</link:label>
    <link:label id="lab_san_EquityAttributableToOwnersOfParentExcludingAccumulatedOtherComprehensiveIncome_label_en-US" xlink:label="lab_san_EquityAttributableToOwnersOfParentExcludingAccumulatedOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Attributable To Owners Of Parent Excluding Accumulated Other Comprehensive Income</link:label>
    <link:label id="lab_san_EquityAttributableToOwnersOfParentExcludingAccumulatedOtherComprehensiveIncome_documentation_en-US" xlink:label="lab_san_EquityAttributableToOwnersOfParentExcludingAccumulatedOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of equity attributable to the owners of the parent excluding accumulated other comprehensive income and non-controlling interest.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EquityAttributableToOwnersOfParentExcludingAccumulatedOtherComprehensiveIncome" xlink:href="san-20251231.xsd#san_EquityAttributableToOwnersOfParentExcludingAccumulatedOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EquityAttributableToOwnersOfParentExcludingAccumulatedOtherComprehensiveIncome" xlink:to="lab_san_EquityAttributableToOwnersOfParentExcludingAccumulatedOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PlanAssetsAllocationPercentage_019ca0fb-c9cd-742b-ba4c-944feafde341_terseLabel_en-US" xlink:label="lab_san_PlanAssetsAllocationPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Plan assets as a percentage of total plan assets</link:label>
    <link:label id="lab_san_PlanAssetsAllocationPercentage_label_en-US" xlink:label="lab_san_PlanAssetsAllocationPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Plan Assets Allocation Percentage</link:label>
    <link:label id="lab_san_PlanAssetsAllocationPercentage_documentation_en-US" xlink:label="lab_san_PlanAssetsAllocationPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Plan assets as a percentage of total plan assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PlanAssetsAllocationPercentage" xlink:href="san-20251231.xsd#san_PlanAssetsAllocationPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PlanAssetsAllocationPercentage" xlink:to="lab_san_PlanAssetsAllocationPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption_019ca0fb-cad3-753b-9a98-fad3013f14b6_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase or decrease on obligations if decrease in actuarial assumption (as a percent)</link:label>
    <link:label id="lab_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption_label_en-US" xlink:label="lab_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Benefit Obligation Due To Reasonably Possible Decrease In Actuarial Assumption</link:label>
    <link:label id="lab_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage increase decrease in benefit obligations due to reasonably possible decrease in actuarial assumption.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption" xlink:href="san-20251231.xsd#san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption" xlink:to="lab_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LargeExposureCustomersMember_019ca0fb-cbee-7b32-866a-b9cc222ac4c0_terseLabel_en-US" xlink:label="lab_san_LargeExposureCustomersMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">"Large Exposures" Customers</link:label>
    <link:label id="lab_san_LargeExposureCustomersMember_label_en-US" xlink:label="lab_san_LargeExposureCustomersMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Large Exposure Customers [Member]</link:label>
    <link:label id="lab_san_LargeExposureCustomersMember_documentation_en-US" xlink:label="lab_san_LargeExposureCustomersMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for a customer or group of customers that meet the definition of "Large Exposure" as defined by CRR (Regulation(EU) No 575/2013).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LargeExposureCustomersMember" xlink:href="san-20251231.xsd#san_LargeExposureCustomersMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LargeExposureCustomersMember" xlink:to="lab_san_LargeExposureCustomersMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FlowDiscountingMethodOnCreditSpreadMember_019ca0fb-c9cd-7da5-a1d3-210f5f5b9aeb_terseLabel_en-US" xlink:label="lab_san_FlowDiscountingMethodOnCreditSpreadMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discounted Cash Flows on credit spread</link:label>
    <link:label id="lab_san_FlowDiscountingMethodOnCreditSpreadMember_label_en-US" xlink:label="lab_san_FlowDiscountingMethodOnCreditSpreadMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flow Discounting Method On Credit Spread [Member]</link:label>
    <link:label id="lab_san_FlowDiscountingMethodOnCreditSpreadMember_documentation_en-US" xlink:label="lab_san_FlowDiscountingMethodOnCreditSpreadMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flow Discounting Method On Credit Spread</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FlowDiscountingMethodOnCreditSpreadMember" xlink:href="san-20251231.xsd#san_FlowDiscountingMethodOnCreditSpreadMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FlowDiscountingMethodOnCreditSpreadMember" xlink:to="lab_san_FlowDiscountingMethodOnCreditSpreadMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FromAToBBMember_019ca0fb-cc70-7d48-8fe2-e948b6f44086_terseLabel_en-US" xlink:label="lab_san_FromAToBBMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">From A+ to BB</link:label>
    <link:label id="lab_san_FromAToBBMember_label_en-US" xlink:label="lab_san_FromAToBBMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">From A+ To BB [Member]</link:label>
    <link:label id="lab_san_FromAToBBMember_documentation_en-US" xlink:label="lab_san_FromAToBBMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">From A+ To BB</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FromAToBBMember" xlink:href="san-20251231.xsd#san_FromAToBBMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FromAToBBMember" xlink:to="lab_san_FromAToBBMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxAsset_019ca0fb-c94e-7ca5-9283-6ee8f623f966_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification no-current asset held for sale</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxAsset_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Classified As Held For Sale, Deferred Tax Asset</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxAsset_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxAsset" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Classified As Held For Sale, Deferred Tax Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxAsset" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxAsset" xlink:to="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CashFlowReservesOrConversionReservesContinuingHedges_019ca0fb-cad3-794c-b5e0-f7a8b04d6a7f_terseLabel_en-US" xlink:label="lab_san_CashFlowReservesOrConversionReservesContinuingHedges" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash flow hedge/currency translation reserve - Continuing hedges</link:label>
    <link:label id="lab_san_CashFlowReservesOrConversionReservesContinuingHedges_label_en-US" xlink:label="lab_san_CashFlowReservesOrConversionReservesContinuingHedges" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Flow Reserves Or Conversion Reserves, Continuing Hedges</link:label>
    <link:label id="lab_san_CashFlowReservesOrConversionReservesContinuingHedges_documentation_en-US" xlink:label="lab_san_CashFlowReservesOrConversionReservesContinuingHedges" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A component of equity representing the reserve of cash flow hedges and reserve of exchange differences on translation in relation to continuing hedges.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CashFlowReservesOrConversionReservesContinuingHedges" xlink:href="san-20251231.xsd#san_CashFlowReservesOrConversionReservesContinuingHedges"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CashFlowReservesOrConversionReservesContinuingHedges" xlink:to="lab_san_CashFlowReservesOrConversionReservesContinuingHedges" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CurrencySwapContractMember_019ca0fb-cb6b-7df5-804d-d8fdd78ea589_terseLabel_en-US" xlink:label="lab_ifrs-full_CurrencySwapContractMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Currency swap contract</link:label>
    <link:label id="lab_ifrs-full_CurrencySwapContractMember_019ca0fb-cb6b-7afa-b576-258702e7c6b2_verboseLabel_en-US" xlink:label="lab_ifrs-full_CurrencySwapContractMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Currency swap</link:label>
    <link:label id="lab_ifrs-full_CurrencySwapContractMember_label_en-US" xlink:label="lab_ifrs-full_CurrencySwapContractMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Currency swap contract [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CurrencySwapContractMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CurrencySwapContractMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CurrencySwapContractMember" xlink:to="lab_ifrs-full_CurrencySwapContractMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InheritanceTrustMember_019ca0fb-cad3-7005-9ae1-5f1c17328157_terseLabel_en-US" xlink:label="lab_san_InheritanceTrustMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Inheritance trust</link:label>
    <link:label id="lab_san_InheritanceTrustMember_label_en-US" xlink:label="lab_san_InheritanceTrustMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Inheritance Trust [Member]</link:label>
    <link:label id="lab_san_InheritanceTrustMember_documentation_en-US" xlink:label="lab_san_InheritanceTrustMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Inheritance Trust</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InheritanceTrustMember" xlink:href="san-20251231.xsd#san_InheritanceTrustMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InheritanceTrustMember" xlink:to="lab_san_InheritanceTrustMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfIssuedCapitalExplanatory_019ca0fb-ca4e-772e-9bec-12ea2221d6e9_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfIssuedCapitalExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issued capital</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfIssuedCapitalExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfIssuedCapitalExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of issued capital [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfIssuedCapitalExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfIssuedCapitalExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfIssuedCapitalExplanatory" xlink:to="lab_ifrs-full_DisclosureOfIssuedCapitalExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfActiveCustomers_019ca0fb-cb6b-71a2-a216-3219585807e3_terseLabel_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfActiveCustomers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of active customers using Pago Nxt</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfActiveCustomers_label_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfActiveCustomers" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Pago Nxt, Number Of Active Customers</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfActiveCustomers_documentation_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfActiveCustomers" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Pago Nxt, Number Of Active Customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfActiveCustomers" xlink:href="san-20251231.xsd#san_DeferredVariableRemunerationMilestonePagoNxtNumberOfActiveCustomers"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfActiveCustomers" xlink:to="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfActiveCustomers" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CertainFinancialAssetsLiabilities_019ca0fb-cbee-7042-ac71-d5b764622350_totalLabel_en-US" xlink:label="lab_san_CertainFinancialAssetsLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Difference (assets less liabilities)</link:label>
    <link:label id="lab_san_CertainFinancialAssetsLiabilities_label_en-US" xlink:label="lab_san_CertainFinancialAssetsLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Certain Financial Assets (Liabilities)</link:label>
    <link:label id="lab_san_CertainFinancialAssetsLiabilities_documentation_en-US" xlink:label="lab_san_CertainFinancialAssetsLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the amount of certain financial assets less financial liabilities at amortised cost.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CertainFinancialAssetsLiabilities" xlink:href="san-20251231.xsd#san_CertainFinancialAssetsLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CertainFinancialAssetsLiabilities" xlink:to="lab_san_CertainFinancialAssetsLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SignificantInvestmentsInSubsidiariesDomain_019ca0fb-c9cd-70be-86c2-a5fdd227011a_terseLabel_en-US" xlink:label="lab_ifrs-full_SignificantInvestmentsInSubsidiariesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsidiaries [domain]</link:label>
    <link:label id="lab_ifrs-full_SignificantInvestmentsInSubsidiariesDomain_label_en-US" xlink:label="lab_ifrs-full_SignificantInvestmentsInSubsidiariesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsidiaries [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SignificantInvestmentsInSubsidiariesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SignificantInvestmentsInSubsidiariesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SignificantInvestmentsInSubsidiariesDomain" xlink:to="lab_ifrs-full_SignificantInvestmentsInSubsidiariesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfCreditRiskExposureExplanatory_019ca0fb-c94e-7af8-b9fe-ed757cf21b44_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfCreditRiskExposureExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of main credit risk aggregates arising on customer business</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfCreditRiskExposureExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfCreditRiskExposureExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of credit risk exposure [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfCreditRiskExposureExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfCreditRiskExposureExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfCreditRiskExposureExplanatory" xlink:to="lab_ifrs-full_DisclosureOfCreditRiskExposureExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfShareholderDistributionShareholderRemunerationAndEarningsPerShareTextBlock_019ca0fb-cb6b-7926-8e62-732280d97726_verboseLabel_en-US" xlink:label="lab_san_DisclosureOfShareholderDistributionShareholderRemunerationAndEarningsPerShareTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Distribution of Banco Santander's profit, shareholder remuneration scheme and earnings per share</link:label>
    <link:label id="lab_san_DisclosureOfShareholderDistributionShareholderRemunerationAndEarningsPerShareTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfShareholderDistributionShareholderRemunerationAndEarningsPerShareTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Shareholder Distribution Shareholder Remuneration And Earnings Per Share [Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfShareholderDistributionShareholderRemunerationAndEarningsPerShareTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfShareholderDistributionShareholderRemunerationAndEarningsPerShareTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of distributions of profit, shareholder remuneration and earnings per share.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfShareholderDistributionShareholderRemunerationAndEarningsPerShareTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfShareholderDistributionShareholderRemunerationAndEarningsPerShareTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfShareholderDistributionShareholderRemunerationAndEarningsPerShareTextBlock" xlink:to="lab_san_DisclosureOfShareholderDistributionShareholderRemunerationAndEarningsPerShareTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherCentralGovernmentMember_019ca0fb-ca4e-7e45-adc0-9f7329ccf713_terseLabel_en-US" xlink:label="lab_san_OtherCentralGovernmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other central government</link:label>
    <link:label id="lab_san_OtherCentralGovernmentMember_label_en-US" xlink:label="lab_san_OtherCentralGovernmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Central Government [Member]</link:label>
    <link:label id="lab_san_OtherCentralGovernmentMember_documentation_en-US" xlink:label="lab_san_OtherCentralGovernmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents other central governments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherCentralGovernmentMember" xlink:href="san-20251231.xsd#san_OtherCentralGovernmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherCentralGovernmentMember" xlink:to="lab_san_OtherCentralGovernmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherForeignCountriesNotIncludingUKMember_019ca0fb-ca4e-7206-88a6-c65faf36a835_verboseLabel_en-US" xlink:label="lab_san_OtherForeignCountriesNotIncludingUKMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other subsidiaries</link:label>
    <link:label id="lab_san_OtherForeignCountriesNotIncludingUKMember_019ca0fb-ca4e-7590-9c34-c1e039f127cd_terseLabel_en-US" xlink:label="lab_san_OtherForeignCountriesNotIncludingUKMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other foreign subsidiaries</link:label>
    <link:label id="lab_san_OtherForeignCountriesNotIncludingUKMember_label_en-US" xlink:label="lab_san_OtherForeignCountriesNotIncludingUKMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Foreign Countries Not Including UK [Member]</link:label>
    <link:label id="lab_san_OtherForeignCountriesNotIncludingUKMember_documentation_en-US" xlink:label="lab_san_OtherForeignCountriesNotIncludingUKMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for other foreign countries other than Spain and U.K.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherForeignCountriesNotIncludingUKMember" xlink:href="san-20251231.xsd#san_OtherForeignCountriesNotIncludingUKMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherForeignCountriesNotIncludingUKMember" xlink:to="lab_san_OtherForeignCountriesNotIncludingUKMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssetsAbstract_019ca0fb-ca4e-7037-80a4-025592696ece_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains (losses) on disposals of non-current assets [abstract]</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssetsAbstract_label_en-US" xlink:label="lab_ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (losses) on disposals of non-current assets [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssetsAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssetsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssetsAbstract" xlink:to="lab_ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssetsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_KeyManagementPersonnelCompensationOtherLongtermBenefits_019ca0fb-cb6b-71d1-a771-69b0d9ed4d03_totalLabel_en-US" xlink:label="lab_ifrs-full_KeyManagementPersonnelCompensationOtherLongtermBenefits" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_ifrs-full_KeyManagementPersonnelCompensationOtherLongtermBenefits_label_en-US" xlink:label="lab_ifrs-full_KeyManagementPersonnelCompensationOtherLongtermBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key management personnel compensation, other long-term employee benefits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_KeyManagementPersonnelCompensationOtherLongtermBenefits" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_KeyManagementPersonnelCompensationOtherLongtermBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_KeyManagementPersonnelCompensationOtherLongtermBenefits" xlink:to="lab_ifrs-full_KeyManagementPersonnelCompensationOtherLongtermBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfDepositsFromCustomersExplanatory_019ca0fb-cb6b-74f2-ae2f-62d23e17467d_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfDepositsFromCustomersExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Customer deposits</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfDepositsFromCustomersExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfDepositsFromCustomersExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of deposits from customers [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfDepositsFromCustomersExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfDepositsFromCustomersExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfDepositsFromCustomersExplanatory" xlink:to="lab_ifrs-full_DisclosureOfDepositsFromCustomersExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TravelExpense_019ca0fb-cb6b-7d49-a80e-2c798bfb6cea_terseLabel_en-US" xlink:label="lab_ifrs-full_TravelExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Per diems and travel expenses</link:label>
    <link:label id="lab_ifrs-full_TravelExpense_label_en-US" xlink:label="lab_ifrs-full_TravelExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Travel expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TravelExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TravelExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TravelExpense" xlink:to="lab_ifrs-full_TravelExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfGainsLossesOnAssetsHeldForSaleTable_019ca0fb-cb6b-7cd8-aec7-6c9122563760_terseLabel_en-US" xlink:label="lab_san_DisclosureOfGainsLossesOnAssetsHeldForSaleTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains Or Losses On Assets Held For Sale [Table]</link:label>
    <link:label id="lab_san_DisclosureOfGainsLossesOnAssetsHeldForSaleTable_label_en-US" xlink:label="lab_san_DisclosureOfGainsLossesOnAssetsHeldForSaleTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Gains (Losses) On Assets Held For Sale [Table]</link:label>
    <link:label id="lab_san_DisclosureOfGainsLossesOnAssetsHeldForSaleTable_documentation_en-US" xlink:label="lab_san_DisclosureOfGainsLossesOnAssetsHeldForSaleTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Schedule reflecting gains or losses on assets held for sale not classified as discontinued operations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfGainsLossesOnAssetsHeldForSaleTable" xlink:href="san-20251231.xsd#san_DisclosureOfGainsLossesOnAssetsHeldForSaleTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfGainsLossesOnAssetsHeldForSaleTable" xlink:to="lab_san_DisclosureOfGainsLossesOnAssetsHeldForSaleTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CreditrelatedFeeAndCommissionIncome_019ca0fb-cc70-7c67-a937-6e26a86cc340_totalLabel_en-US" xlink:label="lab_ifrs-full_CreditrelatedFeeAndCommissionIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Coming from collection and payment services</link:label>
    <link:label id="lab_ifrs-full_CreditrelatedFeeAndCommissionIncome_label_en-US" xlink:label="lab_ifrs-full_CreditrelatedFeeAndCommissionIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit-related fee and commission income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CreditrelatedFeeAndCommissionIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CreditrelatedFeeAndCommissionIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CreditrelatedFeeAndCommissionIncome" xlink:to="lab_ifrs-full_CreditrelatedFeeAndCommissionIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationByLawStipulatedEmoluments_019ca0fb-cb6b-71e8-be6f-60ee308bb207_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationByLawStipulatedEmoluments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">By-law stipulated emoluments</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationByLawStipulatedEmoluments_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationByLawStipulatedEmoluments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, By-Law Stipulated Emoluments</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationByLawStipulatedEmoluments_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationByLawStipulatedEmoluments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of by-law stipulated emolument compensation, which includes both annual emoluments and attendance fees and commissions, to key management personnel.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationByLawStipulatedEmoluments" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationByLawStipulatedEmoluments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationByLawStipulatedEmoluments" xlink:to="lab_san_KeyManagementPersonnelCompensationByLawStipulatedEmoluments" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseThroughAdditionOfExtraordinaryProvisions_019ca0fb-cbee-752b-86b3-eedaec81ef1b_terseLabel_en-US" xlink:label="lab_san_IncreaseThroughAdditionOfExtraordinaryProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Addition</link:label>
    <link:label id="lab_san_IncreaseThroughAdditionOfExtraordinaryProvisions_label_en-US" xlink:label="lab_san_IncreaseThroughAdditionOfExtraordinaryProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase Through Addition Of Extraordinary Provisions</link:label>
    <link:label id="lab_san_IncreaseThroughAdditionOfExtraordinaryProvisions_documentation_en-US" xlink:label="lab_san_IncreaseThroughAdditionOfExtraordinaryProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Additions of extraordinary provisions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseThroughAdditionOfExtraordinaryProvisions" xlink:href="san-20251231.xsd#san_IncreaseThroughAdditionOfExtraordinaryProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseThroughAdditionOfExtraordinaryProvisions" xlink:to="lab_san_IncreaseThroughAdditionOfExtraordinaryProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialInstrumentsExplanatory_019ca0fb-c94e-77f3-940c-30421cd21c9a_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains or losses on financial assets and liabilities</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialInstrumentsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of financial instruments [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFinancialInstrumentsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfFinancialInstrumentsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFinancialInstrumentsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfFinancialInstrumentsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansAndAdvancesCreditInstitutionsAndCustomersMember_019ca0fb-cb6b-711a-9f32-e4eb45c7c3e6_terseLabel_en-US" xlink:label="lab_san_LoansAndAdvancesCreditInstitutionsAndCustomersMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances - credit institutions and customers</link:label>
    <link:label id="lab_san_LoansAndAdvancesCreditInstitutionsAndCustomersMember_label_en-US" xlink:label="lab_san_LoansAndAdvancesCreditInstitutionsAndCustomersMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans And Advances, Credit Institutions And Customers [Member]</link:label>
    <link:label id="lab_san_LoansAndAdvancesCreditInstitutionsAndCustomersMember_documentation_en-US" xlink:label="lab_san_LoansAndAdvancesCreditInstitutionsAndCustomersMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents the loans and advances made to credit institutions and to customers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansAndAdvancesCreditInstitutionsAndCustomersMember" xlink:href="san-20251231.xsd#san_LoansAndAdvancesCreditInstitutionsAndCustomersMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansAndAdvancesCreditInstitutionsAndCustomersMember" xlink:to="lab_san_LoansAndAdvancesCreditInstitutionsAndCustomersMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale_019ca0fb-cbee-77c5-ab45-9ad3c9d2ae66_negatedTerseLabel_en-US" xlink:label="lab_san_InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Entities for sale (Notes 3 y 12)</link:label>
    <link:label id="lab_san_InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale_label_en-US" xlink:label="lab_san_InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment Accounted For Using Equity Method, Transfers To Non Current Assets, Entities For Sale</link:label>
    <link:label id="lab_san_InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale_documentation_en-US" xlink:label="lab_san_InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Investment Accounted For Using Equity Method, Transfers To Non Current Assets, Entities For Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale" xlink:href="san-20251231.xsd#san_InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale" xlink:to="lab_san_InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment_019ca0fb-ca4e-7171-9dea-091ef99e7b87_terseLabel_en-US" xlink:label="lab_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Releases</link:label>
    <link:label id="lab_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment_label_en-US" xlink:label="lab_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reversal of impairment loss recognised in profit or loss, property, plant and equipment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" xlink:to="lab_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillDomain_019ca0fb-c9cd-74c5-b5f2-f0b27aa2ca16_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of intangible assets and goodwill [domain]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillDomain_label_en-US" xlink:label="lab_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of intangible assets and goodwill [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfIntangibleAssetsAndGoodwillDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillDomain" xlink:to="lab_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_HedgingInstrumentAssets_019ca0fb-ca4e-7045-9069-8712f6fb09cf_terseLabel_en-US" xlink:label="lab_ifrs-full_HedgingInstrumentAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying amount - Assets</link:label>
    <link:label id="lab_ifrs-full_HedgingInstrumentAssets_label_en-US" xlink:label="lab_ifrs-full_HedgingInstrumentAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging instrument, assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_HedgingInstrumentAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_HedgingInstrumentAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_HedgingInstrumentAssets" xlink:to="lab_ifrs-full_HedgingInstrumentAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ReclassificationToInitialCarryingAmountOfHedgedItems_019ca0fb-cad3-7e3d-b4ba-efae889234c6_negatedTerseLabel_en-US" xlink:label="lab_san_ReclassificationToInitialCarryingAmountOfHedgedItems" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Amounts transferred to initial carrying amount of hedged items</link:label>
    <link:label id="lab_san_ReclassificationToInitialCarryingAmountOfHedgedItems_label_en-US" xlink:label="lab_san_ReclassificationToInitialCarryingAmountOfHedgedItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification To Initial Carrying Amount Of Hedged Items</link:label>
    <link:label id="lab_san_ReclassificationToInitialCarryingAmountOfHedgedItems_documentation_en-US" xlink:label="lab_san_ReclassificationToInitialCarryingAmountOfHedgedItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reclassification To Initial Carrying Amount Of Hedged Items</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ReclassificationToInitialCarryingAmountOfHedgedItems" xlink:href="san-20251231.xsd#san_ReclassificationToInitialCarryingAmountOfHedgedItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ReclassificationToInitialCarryingAmountOfHedgedItems" xlink:to="lab_san_ReclassificationToInitialCarryingAmountOfHedgedItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReinsuranceContractsHeldThatAreAssets_019ca0fb-cbee-7745-9f67-6fb7539206fd_terseLabel_en-US" xlink:label="lab_ifrs-full_ReinsuranceContractsHeldThatAreAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ASSETS UNDER REINSURANCE CONTRACTS</link:label>
    <link:label id="lab_ifrs-full_ReinsuranceContractsHeldThatAreAssets_label_en-US" xlink:label="lab_ifrs-full_ReinsuranceContractsHeldThatAreAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reinsurance contracts held that are assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReinsuranceContractsHeldThatAreAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ReinsuranceContractsHeldThatAreAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReinsuranceContractsHeldThatAreAssets" xlink:to="lab_ifrs-full_ReinsuranceContractsHeldThatAreAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughOtherAdditionsArisingFromInsuranceContractsLinkedToPensionsProvisions_019ca0fb-c9cd-72c3-8fcd-fd545bdb8ac5_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughOtherAdditionsArisingFromInsuranceContractsLinkedToPensionsProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other additions arising from insurance contracts linked to pensions</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughOtherAdditionsArisingFromInsuranceContractsLinkedToPensionsProvisions_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughOtherAdditionsArisingFromInsuranceContractsLinkedToPensionsProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Other Additions Arising From Insurance Contracts Linked To Pensions, Provisions</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughOtherAdditionsArisingFromInsuranceContractsLinkedToPensionsProvisions_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughOtherAdditionsArisingFromInsuranceContractsLinkedToPensionsProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other additions of provision arising from insurance contracts linked to pension.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughOtherAdditionsArisingFromInsuranceContractsLinkedToPensionsProvisions" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughOtherAdditionsArisingFromInsuranceContractsLinkedToPensionsProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughOtherAdditionsArisingFromInsuranceContractsLinkedToPensionsProvisions" xlink:to="lab_san_IncreaseDecreaseThroughOtherAdditionsArisingFromInsuranceContractsLinkedToPensionsProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AssetsUnderManagementPolicyPolicyTextBlock_019ca0fb-cbee-781a-a747-3d5a5651a988_terseLabel_en-US" xlink:label="lab_san_AssetsUnderManagementPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets under management and investment and pension funds managed by the Group</link:label>
    <link:label id="lab_san_AssetsUnderManagementPolicyPolicyTextBlock_label_en-US" xlink:label="lab_san_AssetsUnderManagementPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets Under Management, Policy [Policy Text Block]</link:label>
    <link:label id="lab_san_AssetsUnderManagementPolicyPolicyTextBlock_documentation_en-US" xlink:label="lab_san_AssetsUnderManagementPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The description of the entity's accounting policy for assets under management and investment and pension funds.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AssetsUnderManagementPolicyPolicyTextBlock" xlink:href="san-20251231.xsd#san_AssetsUnderManagementPolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AssetsUnderManagementPolicyPolicyTextBlock" xlink:to="lab_san_AssetsUnderManagementPolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CreditDefaultModelsMember_019ca0fb-cb6b-7566-8a94-f9a23bc7257b_terseLabel_en-US" xlink:label="lab_san_CreditDefaultModelsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit Default Models</link:label>
    <link:label id="lab_san_CreditDefaultModelsMember_label_en-US" xlink:label="lab_san_CreditDefaultModelsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Default Models [Member]</link:label>
    <link:label id="lab_san_CreditDefaultModelsMember_documentation_en-US" xlink:label="lab_san_CreditDefaultModelsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Credit Default Models</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CreditDefaultModelsMember" xlink:href="san-20251231.xsd#san_CreditDefaultModelsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CreditDefaultModelsMember" xlink:to="lab_san_CreditDefaultModelsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AustraliaDollarAndEuroMember_019ca0fb-cb6b-74ff-bed3-bdf67bf05506_terseLabel_en-US" xlink:label="lab_san_AustraliaDollarAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">AUD/EUR</link:label>
    <link:label id="lab_san_AustraliaDollarAndEuroMember_label_en-US" xlink:label="lab_san_AustraliaDollarAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Australia, Dollar And Euro [Member]</link:label>
    <link:label id="lab_san_AustraliaDollarAndEuroMember_documentation_en-US" xlink:label="lab_san_AustraliaDollarAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Australia, Dollar And Euro</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AustraliaDollarAndEuroMember" xlink:href="san-20251231.xsd#san_AustraliaDollarAndEuroMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AustraliaDollarAndEuroMember" xlink:to="lab_san_AustraliaDollarAndEuroMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfIntangibleAssetsLineItems_019ca0fb-c9cd-7839-a432-ad98802b6cf1_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfIntangibleAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about intangible assets [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfIntangibleAssetsLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfIntangibleAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about intangible assets [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfIntangibleAssetsLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfIntangibleAssetsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfIntangibleAssetsLineItems" xlink:to="lab_ifrs-full_DisclosureOfIntangibleAssetsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PeriodOverWhichManagementHasProjectedCashFlows_019ca0fb-cbee-7aa2-94e3-c2f0e3555406_terseLabel_en-US" xlink:label="lab_san_PeriodOverWhichManagementHasProjectedCashFlows" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Projected period</link:label>
    <link:label id="lab_san_PeriodOverWhichManagementHasProjectedCashFlows_label_en-US" xlink:label="lab_san_PeriodOverWhichManagementHasProjectedCashFlows" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Period Over Which Management Has Projected Cash Flows</link:label>
    <link:label id="lab_san_PeriodOverWhichManagementHasProjectedCashFlows_documentation_en-US" xlink:label="lab_san_PeriodOverWhichManagementHasProjectedCashFlows" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The period over which management has projected cash flows based on financial budgets/forecasts approved by management including, when a period greater than five years is used for a cash-generating unit (group of units).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PeriodOverWhichManagementHasProjectedCashFlows" xlink:href="san-20251231.xsd#san_PeriodOverWhichManagementHasProjectedCashFlows"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PeriodOverWhichManagementHasProjectedCashFlows" xlink:to="lab_san_PeriodOverWhichManagementHasProjectedCashFlows" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageOfEquityInterestsHeldBySignificantShareholders_019ca0fb-cc70-715b-81e1-ccdec1c382ea_terseLabel_en-US" xlink:label="lab_san_PercentageOfEquityInterestsHeldBySignificantShareholders" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of equity interests held by significant shareholders</link:label>
    <link:label id="lab_san_PercentageOfEquityInterestsHeldBySignificantShareholders_label_en-US" xlink:label="lab_san_PercentageOfEquityInterestsHeldBySignificantShareholders" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Equity Interests Held By Significant Shareholders</link:label>
    <link:label id="lab_san_PercentageOfEquityInterestsHeldBySignificantShareholders_documentation_en-US" xlink:label="lab_san_PercentageOfEquityInterestsHeldBySignificantShareholders" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage Of Equity Interests Held By Significant Shareholders</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageOfEquityInterestsHeldBySignificantShareholders" xlink:href="san-20251231.xsd#san_PercentageOfEquityInterestsHeldBySignificantShareholders"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageOfEquityInterestsHeldBySignificantShareholders" xlink:to="lab_san_PercentageOfEquityInterestsHeldBySignificantShareholders" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherProvisionMember_019ca0fb-ca4e-75b4-a6c4-2abd311ff0d3_terseLabel_en-US" xlink:label="lab_san_OtherProvisionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_san_OtherProvisionMember_label_en-US" xlink:label="lab_san_OtherProvisionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Provision [Member]</link:label>
    <link:label id="lab_san_OtherProvisionMember_documentation_en-US" xlink:label="lab_san_OtherProvisionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for other provisions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherProvisionMember" xlink:href="san-20251231.xsd#san_OtherProvisionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherProvisionMember" xlink:to="lab_san_OtherProvisionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod_019ca0fb-cb6b-7817-be76-b847f84a6f32_terseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Associated entities</link:label>
    <link:label id="lab_ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod_label_en-US" xlink:label="lab_ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments in associates accounted for using equity method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod" xlink:to="lab_ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageOfReasonablyPossibleDepreciationOfEntitysFunctionalCurrency_019ca0fb-ca4e-7279-be87-023f604759fc_terseLabel_en-US" xlink:label="lab_san_PercentageOfReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Depreciation variation (as a percent)</link:label>
    <link:label id="lab_san_PercentageOfReasonablyPossibleDepreciationOfEntitysFunctionalCurrency_label_en-US" xlink:label="lab_san_PercentageOfReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Reasonably Possible Depreciation Of Entity's Functional Currency</link:label>
    <link:label id="lab_san_PercentageOfReasonablyPossibleDepreciationOfEntitysFunctionalCurrency_documentation_en-US" xlink:label="lab_san_PercentageOfReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The reasonably possible percentage of the depreciation of entity's functional currency used to determine effect on the consolidated equity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageOfReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" xlink:href="san-20251231.xsd#san_PercentageOfReasonablyPossibleDepreciationOfEntitysFunctionalCurrency"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageOfReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" xlink:to="lab_san_PercentageOfReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InterestRateFuturesMember_019ca0fb-cc70-78e9-bca4-687102ef2c1a_terseLabel_en-US" xlink:label="lab_san_InterestRateFuturesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate futures</link:label>
    <link:label id="lab_san_InterestRateFuturesMember_label_en-US" xlink:label="lab_san_InterestRateFuturesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Futures [Member]</link:label>
    <link:label id="lab_san_InterestRateFuturesMember_documentation_en-US" xlink:label="lab_san_InterestRateFuturesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for interest rate futures.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InterestRateFuturesMember" xlink:href="san-20251231.xsd#san_InterestRateFuturesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InterestRateFuturesMember" xlink:to="lab_san_InterestRateFuturesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory_019ca0fb-ca4e-728e-953c-babd8b0f6bae_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Definitions and classification of financial instruments</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description of accounting policy for financial instruments [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory" xlink:to="lab_ifrs-full_DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate_019ca0fb-cad3-7dad-9971-e0b4a3fddcd5_terseLabel_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in provision assuming 100bp increase in GDP growth rate (as a percent)</link:label>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate_label_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percent Change In Provision Assuming 100 Basis Point Increase In GDP Growth Rate</link:label>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate_documentation_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percent Change In Provision Assuming 100 Basis Point Increase In GDP Growth Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" xlink:href="san-20251231.xsd#san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" xlink:to="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets_019ca0fb-cbee-7d11-aae8-8731fcdb0968_terseLabel_en-US" xlink:label="lab_ifrs-full_AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount of CVA</link:label>
    <link:label id="lab_ifrs-full_AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets_label_en-US" xlink:label="lab_ifrs-full_AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated increase (decrease) in fair value of financial assets designated as measured at fair value through profit or loss, attributable to changes in credit risk of financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets" xlink:to="lab_ifrs-full_AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax_019ca0fb-ca4e-74fd-beae-e32956e5b946_negatedLabel_en-US" xlink:label="lab_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Amounts transferred to income statement</link:label>
    <link:label id="lab_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax_019ca0fb-ca4e-7d42-aaf1-8beed7206b30_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Amounts transferred to income statement</link:label>
    <link:label id="lab_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax_label_en-US" xlink:label="lab_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification adjustments on exchange differences on translation of foreign operations, before tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" xlink:to="lab_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss_019ca0fb-c94e-7f8d-8c25-d4cdf57da068_negatedLabel_en-US" xlink:label="lab_ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Deferred taxes</link:label>
    <link:label id="lab_ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss_019ca0fb-c94e-7e6e-9efe-1ea2b9b0a203_totalLabel_en-US" xlink:label="lab_ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">(Charge)/Credit to income</link:label>
    <link:label id="lab_ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss_label_en-US" xlink:label="lab_ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred tax expense (income) recognised in profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" xlink:to="lab_ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RetainedEarningsExcludingProfitLossForReportingPeriodMember_019ca0fb-c9cd-7ccd-919a-11d4bcfa9da5_terseLabel_en-US" xlink:label="lab_ifrs-full_RetainedEarningsExcludingProfitLossForReportingPeriodMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated retained earnings</link:label>
    <link:label id="lab_ifrs-full_RetainedEarningsExcludingProfitLossForReportingPeriodMember_label_en-US" xlink:label="lab_ifrs-full_RetainedEarningsExcludingProfitLossForReportingPeriodMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained earnings, excluding profit (loss) for reporting period [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RetainedEarningsExcludingProfitLossForReportingPeriodMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RetainedEarningsExcludingProfitLossForReportingPeriodMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RetainedEarningsExcludingProfitLossForReportingPeriodMember" xlink:to="lab_ifrs-full_RetainedEarningsExcludingProfitLossForReportingPeriodMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ContingentLiabilitiesAndOthersRelatedPartyTransactions_019ca0fb-cad3-7faa-8c4b-6d54306590ca_terseLabel_en-US" xlink:label="lab_san_ContingentLiabilitiesAndOthersRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial guarantees granted and Others</link:label>
    <link:label id="lab_san_ContingentLiabilitiesAndOthersRelatedPartyTransactions_label_en-US" xlink:label="lab_san_ContingentLiabilitiesAndOthersRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contingent Liabilities And Others Related Party Transactions</link:label>
    <link:label id="lab_san_ContingentLiabilitiesAndOthersRelatedPartyTransactions_documentation_en-US" xlink:label="lab_san_ContingentLiabilitiesAndOthersRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of contingent liabilities and other resulting from related party transactions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ContingentLiabilitiesAndOthersRelatedPartyTransactions" xlink:href="san-20251231.xsd#san_ContingentLiabilitiesAndOthersRelatedPartyTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ContingentLiabilitiesAndOthersRelatedPartyTransactions" xlink:to="lab_san_ContingentLiabilitiesAndOthersRelatedPartyTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities_019ca0fb-cbee-7ee2-b8b3-aab2d5772472_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in fair value recognized in profit or loss</link:label>
    <link:label id="lab_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities_label_en-US" xlink:label="lab_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (losses) recognised in profit or loss including exchange differences, fair value measurement, liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" xlink:to="lab_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiabilityAsset_019ca0fb-c94e-7329-b50c-47408e5bfd4b_negatedTotalLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiabilityAsset" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Reclassification no-current asset held for sale</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiabilityAsset_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Classified As Held For Sale, Deferred Tax Liability (Asset)</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiabilityAsset_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Classified As Held For Sale, Deferred Tax Liability (Asset)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiabilityAsset" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiabilityAsset" xlink:to="lab_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_HKD_019ca0fb-cb6b-7c8e-b7ea-eac9ebb54bdb_terseLabel_en-US" xlink:label="lab_currency_HKD" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">HKD</link:label>
    <link:label id="lab_currency_HKD_label_en-US" xlink:label="lab_currency_HKD" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hong Kong, Dollars</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_HKD" xlink:href="https://xbrl.sec.gov/currency/2025/currency-2025.xsd#currency_HKD"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_HKD" xlink:to="lab_currency_HKD" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderConsumerFinanceGroupMember_019ca0fb-cb6b-7276-af3c-d9c6a6152d81_terseLabel_en-US" xlink:label="lab_san_SantanderConsumerFinanceGroupMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Consumer Finance Group</link:label>
    <link:label id="lab_san_SantanderConsumerFinanceGroupMember_label_en-US" xlink:label="lab_san_SantanderConsumerFinanceGroupMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Consumer Finance Group [Member]</link:label>
    <link:label id="lab_san_SantanderConsumerFinanceGroupMember_documentation_en-US" xlink:label="lab_san_SantanderConsumerFinanceGroupMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Consumer Finance Group</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderConsumerFinanceGroupMember" xlink:href="san-20251231.xsd#san_SantanderConsumerFinanceGroupMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderConsumerFinanceGroupMember" xlink:to="lab_san_SantanderConsumerFinanceGroupMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MortgageBackedBondsLoanToValueRatioOtherAssetsLoans_019ca0fb-c9cd-7661-bfae-e15a40e88309_terseLabel_en-US" xlink:label="lab_san_MortgageBackedBondsLoanToValueRatioOtherAssetsLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage-backed bonds loan-to-value ratio for other assets loans (as a percent)</link:label>
    <link:label id="lab_san_MortgageBackedBondsLoanToValueRatioOtherAssetsLoans_label_en-US" xlink:label="lab_san_MortgageBackedBondsLoanToValueRatioOtherAssetsLoans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Backed Bonds Loan To Value Ratio Other Assets Loans</link:label>
    <link:label id="lab_san_MortgageBackedBondsLoanToValueRatioOtherAssetsLoans_documentation_en-US" xlink:label="lab_san_MortgageBackedBondsLoanToValueRatioOtherAssetsLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the required loan-to-value ratio for mortgage-backed bonds for other assets loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MortgageBackedBondsLoanToValueRatioOtherAssetsLoans" xlink:href="san-20251231.xsd#san_MortgageBackedBondsLoanToValueRatioOtherAssetsLoans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MortgageBackedBondsLoanToValueRatioOtherAssetsLoans" xlink:to="lab_san_MortgageBackedBondsLoanToValueRatioOtherAssetsLoans" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CompletedBuildingsMember_019ca0fb-ca4e-7740-a750-d074cdb16fbd_terseLabel_en-US" xlink:label="lab_san_CompletedBuildingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Completed buildings</link:label>
    <link:label id="lab_san_CompletedBuildingsMember_label_en-US" xlink:label="lab_san_CompletedBuildingsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Completed Buildings [Member]</link:label>
    <link:label id="lab_san_CompletedBuildingsMember_documentation_en-US" xlink:label="lab_san_CompletedBuildingsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for construction and property development loans related to completed buildings.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CompletedBuildingsMember" xlink:href="san-20251231.xsd#san_CompletedBuildingsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CompletedBuildingsMember" xlink:to="lab_san_CompletedBuildingsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AverageNumberOfEmployeesWithDisabilities_019ca0fb-c9cd-715d-b10f-2fa5242be8fb_terseLabel_en-US" xlink:label="lab_san_AverageNumberOfEmployeesWithDisabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average number of employees with disabilities</link:label>
    <link:label id="lab_san_AverageNumberOfEmployeesWithDisabilities_label_en-US" xlink:label="lab_san_AverageNumberOfEmployeesWithDisabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Average Number Of Employees With Disabilities</link:label>
    <link:label id="lab_san_AverageNumberOfEmployeesWithDisabilities_documentation_en-US" xlink:label="lab_san_AverageNumberOfEmployeesWithDisabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The average number of employees by disabilities, distributed by professional categories the entity during a period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AverageNumberOfEmployeesWithDisabilities" xlink:href="san-20251231.xsd#san_AverageNumberOfEmployeesWithDisabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AverageNumberOfEmployeesWithDisabilities" xlink:to="lab_san_AverageNumberOfEmployeesWithDisabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherGlobalResult_019ca0fb-cbee-764d-91f7-0c2c29a8a04d_negatedTerseLabel_en-US" xlink:label="lab_san_OtherGlobalResult" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Other global result</link:label>
    <link:label id="lab_san_OtherGlobalResult_label_en-US" xlink:label="lab_san_OtherGlobalResult" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Global Result</link:label>
    <link:label id="lab_san_OtherGlobalResult_documentation_en-US" xlink:label="lab_san_OtherGlobalResult" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Global Result</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherGlobalResult" xlink:href="san-20251231.xsd#san_OtherGlobalResult"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherGlobalResult" xlink:to="lab_san_OtherGlobalResult" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughProfitOrLoss_019ca0fb-c9cd-72f5-a3bf-9799ecf00442_negatedLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through profit or loss</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughProfitOrLoss_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments for decrease (increase) in financial assets measured at fair value through profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughProfitOrLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughProfitOrLoss" xlink:to="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ChangesInScopeOfConsolidation_019ca0fb-cb6b-708e-ac43-1071ee773f1f_terseLabel_en-US" xlink:label="lab_san_ChangesInScopeOfConsolidation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in the consolidation method (Note 3)</link:label>
    <link:label id="lab_san_ChangesInScopeOfConsolidation_label_en-US" xlink:label="lab_san_ChangesInScopeOfConsolidation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Changes In Scope Of Consolidation</link:label>
    <link:label id="lab_san_ChangesInScopeOfConsolidation_documentation_en-US" xlink:label="lab_san_ChangesInScopeOfConsolidation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Changes In Scope Of Consolidation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ChangesInScopeOfConsolidation" xlink:href="san-20251231.xsd#san_ChangesInScopeOfConsolidation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ChangesInScopeOfConsolidation" xlink:to="lab_san_ChangesInScopeOfConsolidation" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SwaptionsMember_019ca0fb-c9cd-71d6-8d52-5058db4659e3_terseLabel_en-US" xlink:label="lab_san_SwaptionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Swaptions</link:label>
    <link:label id="lab_san_SwaptionsMember_label_en-US" xlink:label="lab_san_SwaptionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Swaptions [Member]</link:label>
    <link:label id="lab_san_SwaptionsMember_documentation_en-US" xlink:label="lab_san_SwaptionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Swaptions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SwaptionsMember" xlink:href="san-20251231.xsd#san_SwaptionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SwaptionsMember" xlink:to="lab_san_SwaptionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesTable_019ca0fb-cbee-752f-bfff-ad2b309bbd3b_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of transactions between related parties [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of transactions between related parties [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesTable" xlink:to="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions_019ca0fb-c9cd-7ed3-abac-01c46dc418f7_totalLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Additions charged to income</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Additions Charged (Reversed) To Income, Provisions</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Additions charged or reversed to income for provisions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions" xlink:to="lab_san_IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherOperatingExpense_019ca0fb-cad3-75cb-958c-ed1b10f81065_negatedLabel_en-US" xlink:label="lab_san_OtherOperatingExpense" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Other operating expenses</link:label>
    <link:label id="lab_san_OtherOperatingExpense_019ca0fb-cad3-792f-b814-1073e168cd4c_terseLabel_en-US" xlink:label="lab_san_OtherOperatingExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other operating expenses</link:label>
    <link:label id="lab_san_OtherOperatingExpense_019ca0fb-cad3-7761-b153-8be8b1927e48_negatedTotalLabel_en-US" xlink:label="lab_san_OtherOperatingExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Other operating expense</link:label>
    <link:label id="lab_san_OtherOperatingExpense_019ca0fb-cad3-7d78-bd34-ad19a0764e15_negatedTerseLabel_en-US" xlink:label="lab_san_OtherOperatingExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Non-interest expense</link:label>
    <link:label id="lab_san_OtherOperatingExpense_label_en-US" xlink:label="lab_san_OtherOperatingExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Operating Expense</link:label>
    <link:label id="lab_san_OtherOperatingExpense_documentation_en-US" xlink:label="lab_san_OtherOperatingExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of operating expense that the entity does not separately disclose in the same statement or note.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherOperatingExpense" xlink:href="san-20251231.xsd#san_OtherOperatingExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherOperatingExpense" xlink:to="lab_san_OtherOperatingExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LegalProceedingsAmountOfSharesToBeTransferredByTrustee_019ca0fb-cbee-7df6-80a1-7877c57cb7c1_terseLabel_en-US" xlink:label="lab_san_LegalProceedingsAmountOfSharesToBeTransferredByTrustee" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount of shares to be transferred by trustee (in shares)</link:label>
    <link:label id="lab_san_LegalProceedingsAmountOfSharesToBeTransferredByTrustee_label_en-US" xlink:label="lab_san_LegalProceedingsAmountOfSharesToBeTransferredByTrustee" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal Proceedings, Amount Of Shares To Be Transferred By Trustee</link:label>
    <link:label id="lab_san_LegalProceedingsAmountOfSharesToBeTransferredByTrustee_documentation_en-US" xlink:label="lab_san_LegalProceedingsAmountOfSharesToBeTransferredByTrustee" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Legal Proceedings, Amount Of Shares To Be Transferred By Trustee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LegalProceedingsAmountOfSharesToBeTransferredByTrustee" xlink:href="san-20251231.xsd#san_LegalProceedingsAmountOfSharesToBeTransferredByTrustee"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LegalProceedingsAmountOfSharesToBeTransferredByTrustee" xlink:to="lab_san_LegalProceedingsAmountOfSharesToBeTransferredByTrustee" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DepreciationPropertyPlantAndEquipment_019ca0fb-cad3-79a2-b9b8-c30451695239_negatedLabel_en-US" xlink:label="lab_ifrs-full_DepreciationPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Charge for the&#160;year</link:label>
    <link:label id="lab_ifrs-full_DepreciationPropertyPlantAndEquipment_label_en-US" xlink:label="lab_ifrs-full_DepreciationPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Depreciation, property, plant and equipment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DepreciationPropertyPlantAndEquipment" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DepreciationPropertyPlantAndEquipment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DepreciationPropertyPlantAndEquipment" xlink:to="lab_ifrs-full_DepreciationPropertyPlantAndEquipment" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TypesOfHedgesAxis_019ca0fb-cbee-776c-a46d-cc5516a32a83_terseLabel_en-US" xlink:label="lab_ifrs-full_TypesOfHedgesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Types of hedges [axis]</link:label>
    <link:label id="lab_ifrs-full_TypesOfHedgesAxis_label_en-US" xlink:label="lab_ifrs-full_TypesOfHedgesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Types of hedges [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TypesOfHedgesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TypesOfHedgesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TypesOfHedgesAxis" xlink:to="lab_ifrs-full_TypesOfHedgesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProfitLossAbstract_019ca0fb-cad3-7bab-86d9-f9b15dd55d27_terseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated profit (loss) before tax</link:label>
    <link:label id="lab_ifrs-full_ProfitLossAbstract_label_en-US" xlink:label="lab_ifrs-full_ProfitLossAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit (loss) [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProfitLossAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProfitLossAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProfitLossAbstract" xlink:to="lab_ifrs-full_ProfitLossAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale_019ca0fb-cad3-74f2-af61-9af8bc440207_totalLabel_en-US" xlink:label="lab_san_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Non-current assets held for sale</link:label>
    <link:label id="lab_san_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale_019ca0fb-cad3-7415-88c3-2a63be1d583f_terseLabel_en-US" xlink:label="lab_san_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-current assets held for sale</link:label>
    <link:label id="lab_san_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale_label_en-US" xlink:label="lab_san_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income, Before Tax, Non-Current Assets Classified As Held-For-Sale</link:label>
    <link:label id="lab_san_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale_documentation_en-US" xlink:label="lab_san_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income, Before Tax, Non-Current Assets Classified As Held-For-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale" xlink:href="san-20251231.xsd#san_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale" xlink:to="lab_san_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OnBalanceSheetAssetsMember_019ca0fb-cad3-7341-9c9a-4e4594c5a5ee_terseLabel_en-US" xlink:label="lab_san_OnBalanceSheetAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">On-balance-sheet assets</link:label>
    <link:label id="lab_san_OnBalanceSheetAssetsMember_label_en-US" xlink:label="lab_san_OnBalanceSheetAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">On-Balance Sheet Assets [Member]</link:label>
    <link:label id="lab_san_OnBalanceSheetAssetsMember_documentation_en-US" xlink:label="lab_san_OnBalanceSheetAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents assets reported on the balance sheet.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OnBalanceSheetAssetsMember" xlink:href="san-20251231.xsd#san_OnBalanceSheetAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OnBalanceSheetAssetsMember" xlink:to="lab_san_OnBalanceSheetAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_019ca0fb-ca4e-7850-bf74-dbc34398e533_verboseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">2031 to 2035</link:label>
    <link:label id="lab_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_019ca0fb-ca4e-74ea-adfd-8f6ee454db08_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">5 to 10 years</link:label>
    <link:label id="lab_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Later than five years and not later than ten years [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember" xlink:to="lab_ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RecoveriesOnLoansPreviouslyWrittenOff_019ca0fb-ca4e-742e-9927-c619bd95be8e_terseLabel_en-US" xlink:label="lab_ifrs-full_RecoveriesOnLoansPreviouslyWrittenOff" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Recoveries on loans previously written off</link:label>
    <link:label id="lab_ifrs-full_RecoveriesOnLoansPreviouslyWrittenOff_label_en-US" xlink:label="lab_ifrs-full_RecoveriesOnLoansPreviouslyWrittenOff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Recoveries on loans previously written off</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RecoveriesOnLoansPreviouslyWrittenOff" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RecoveriesOnLoansPreviouslyWrittenOff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RecoveriesOnLoansPreviouslyWrittenOff" xlink:to="lab_ifrs-full_RecoveriesOnLoansPreviouslyWrittenOff" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures_019ca0fb-cb6b-738d-89c0-8982f710c9cd_terseLabel_en-US" xlink:label="lab_san_OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Off-balance sheet assets managed by the entity and by joint ventures</link:label>
    <link:label id="lab_san_OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures_label_en-US" xlink:label="lab_san_OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Off-Balance Sheet Assets Managed By The Entity And By Joint Ventures</link:label>
    <link:label id="lab_san_OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures_documentation_en-US" xlink:label="lab_san_OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents off-balance sheet assets managed by the entity and by joint ventures.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" xlink:href="san-20251231.xsd#san_OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" xlink:to="lab_san_OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_019ca0fb-cc70-7e6a-ab94-00bbbcb95be4_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">3&#160;to&#160;5 years</link:label>
    <link:label id="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_019ca0fb-cc70-752a-a8e9-fbc15019ea93_verboseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Between 3 and 5 years</link:label>
    <link:label id="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Later than three years and not later than five years [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember" xlink:to="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInOctober2020Member_019ca0fb-c94e-787f-b988-4b1eb1232639_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInOctober2020Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance by Banco Santander S.A. in October 2020</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInOctober2020Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInOctober2020Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In October 2020 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInOctober2020Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInOctober2020Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In October 2020</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderSAInOctober2020Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderSAInOctober2020Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderSAInOctober2020Member" xlink:to="lab_san_IssuanceByBancoSantanderSAInOctober2020Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfPropertyPlantAndEquipmentExplanatory_019ca0fb-cb6b-726f-9587-236ee2c4e858_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfPropertyPlantAndEquipmentExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tangible assets</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfPropertyPlantAndEquipmentExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfPropertyPlantAndEquipmentExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of property, plant and equipment [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfPropertyPlantAndEquipmentExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfPropertyPlantAndEquipmentExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfPropertyPlantAndEquipmentExplanatory" xlink:to="lab_ifrs-full_DisclosureOfPropertyPlantAndEquipmentExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_Law72024TaxReformMember_019ca0fb-c94e-7f45-b74b-bf2cf720d7a6_terseLabel_en-US" xlink:label="lab_san_Law72024TaxReformMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Law 7/2024, Tax Reform</link:label>
    <link:label id="lab_san_Law72024TaxReformMember_label_en-US" xlink:label="lab_san_Law72024TaxReformMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Law 7/2024, Tax Reform [Member]</link:label>
    <link:label id="lab_san_Law72024TaxReformMember_documentation_en-US" xlink:label="lab_san_Law72024TaxReformMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Law 7/2024, Tax Reform</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_Law72024TaxReformMember" xlink:href="san-20251231.xsd#san_Law72024TaxReformMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_Law72024TaxReformMember" xlink:to="lab_san_Law72024TaxReformMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans_019ca0fb-ca4e-75bf-b403-f1f6c338b9f1_terseLabel_en-US" xlink:label="lab_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contributions to defined contribution pension funds</link:label>
    <link:label id="lab_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans_label_en-US" xlink:label="lab_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Post-employment benefit expense, defined contribution plans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans" xlink:to="lab_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember_019ca0fb-c94e-7bb1-b9f9-dab6c263c4d4_terseLabel_en-US" xlink:label="lab_san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Members of the risk supervision, regulation and compliance committee</link:label>
    <link:label id="lab_san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember_019ca0fb-c94e-7d9e-9ff0-51242c93dc8a_verboseLabel_en-US" xlink:label="lab_san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Risk supervision, regulation and compliance oversight committee</link:label>
    <link:label id="lab_san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember_label_en-US" xlink:label="lab_san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Risk Supervision Regulation And Compliance Oversight Committee [Member]</link:label>
    <link:label id="lab_san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember_documentation_en-US" xlink:label="lab_san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for those persons serving as members of the risk supervision, regulation and compliance oversight committee of the board of directors.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember" xlink:href="san-20251231.xsd#san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember" xlink:to="lab_san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ComponentsOfEquityDomain_019ca0fb-c9cd-7c6e-a1e2-7c9d8cd61ea4_terseLabel_en-US" xlink:label="lab_ifrs-full_ComponentsOfEquityDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Components of equity [domain]</link:label>
    <link:label id="lab_ifrs-full_ComponentsOfEquityDomain_label_en-US" xlink:label="lab_ifrs-full_ComponentsOfEquityDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Components of equity [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ComponentsOfEquityDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ComponentsOfEquityDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ComponentsOfEquityDomain" xlink:to="lab_ifrs-full_ComponentsOfEquityDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TaxDividendCumExTransactionsMember_019ca0fb-ca4e-70a6-a932-0448275985d7_terseLabel_en-US" xlink:label="lab_san_TaxDividendCumExTransactionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax Dividend, Cum-ex Transactions</link:label>
    <link:label id="lab_san_TaxDividendCumExTransactionsMember_label_en-US" xlink:label="lab_san_TaxDividendCumExTransactionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Dividend, Cum-ex Transactions [Member]</link:label>
    <link:label id="lab_san_TaxDividendCumExTransactionsMember_documentation_en-US" xlink:label="lab_san_TaxDividendCumExTransactionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax Dividend, Cum-ex Transactions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TaxDividendCumExTransactionsMember" xlink:href="san-20251231.xsd#san_TaxDividendCumExTransactionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TaxDividendCumExTransactionsMember" xlink:to="lab_san_TaxDividendCumExTransactionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LifeInsuranceMember_019ca0fb-cc70-78ad-a3da-1fc6f83adc9a_terseLabel_en-US" xlink:label="lab_san_LifeInsuranceMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Life Insurance</link:label>
    <link:label id="lab_san_LifeInsuranceMember_label_en-US" xlink:label="lab_san_LifeInsuranceMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Life Insurance [Member]</link:label>
    <link:label id="lab_san_LifeInsuranceMember_documentation_en-US" xlink:label="lab_san_LifeInsuranceMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Life Insurance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LifeInsuranceMember" xlink:href="san-20251231.xsd#san_LifeInsuranceMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LifeInsuranceMember" xlink:to="lab_san_LifeInsuranceMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DividendsPaid_019ca0fb-cad3-7735-a367-c2e6cc5dd1df_negatedLabel_en-US" xlink:label="lab_ifrs-full_DividendsPaid" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Dividends</link:label>
    <link:label id="lab_ifrs-full_DividendsPaid_019ca0fb-cad3-779e-ac17-905f46e06cd1_terseLabel_en-US" xlink:label="lab_ifrs-full_DividendsPaid" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividends paid in cash</link:label>
    <link:label id="lab_ifrs-full_DividendsPaid_label_en-US" xlink:label="lab_ifrs-full_DividendsPaid" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends recognised as distributions to owners</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DividendsPaid" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DividendsPaid"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DividendsPaid" xlink:to="lab_ifrs-full_DividendsPaid" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfOperatingSegmentsLineItems_019ca0fb-ca4e-7e6a-871a-b748911a4702_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfOperatingSegmentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of operating segments [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfOperatingSegmentsLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfOperatingSegmentsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of operating segments [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfOperatingSegmentsLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfOperatingSegmentsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfOperatingSegmentsLineItems" xlink:to="lab_ifrs-full_DisclosureOfOperatingSegmentsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_A2024ProgramMember_019ca0fb-c94e-7d42-bbfe-9b99fa3371cd_terseLabel_en-US" xlink:label="lab_san_A2024ProgramMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2024 Program</link:label>
    <link:label id="lab_san_A2024ProgramMember_label_en-US" xlink:label="lab_san_A2024ProgramMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">2024 Program [Member]</link:label>
    <link:label id="lab_san_A2024ProgramMember_documentation_en-US" xlink:label="lab_san_A2024ProgramMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">2024 Program</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_A2024ProgramMember" xlink:href="san-20251231.xsd#san_A2024ProgramMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_A2024ProgramMember" xlink:to="lab_san_A2024ProgramMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RemunerationCommitteeMember_019ca0fb-cad3-7b4e-98f4-ca5dd7359fb4_terseLabel_en-US" xlink:label="lab_san_RemunerationCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Members of the remuneration committee</link:label>
    <link:label id="lab_san_RemunerationCommitteeMember_019ca0fb-cad3-70bb-8d65-26581c14fea6_verboseLabel_en-US" xlink:label="lab_san_RemunerationCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Remuneration committee</link:label>
    <link:label id="lab_san_RemunerationCommitteeMember_label_en-US" xlink:label="lab_san_RemunerationCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Remuneration Committee [Member]</link:label>
    <link:label id="lab_san_RemunerationCommitteeMember_documentation_en-US" xlink:label="lab_san_RemunerationCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for those persons serving as members of the remuneration committee of the board of directors.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RemunerationCommitteeMember" xlink:href="san-20251231.xsd#san_RemunerationCommitteeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RemunerationCommitteeMember" xlink:to="lab_san_RemunerationCommitteeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InterestExpenseOnDepositsFromCustomers_019ca0fb-c94e-7c58-bd8b-41d4559d7322_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestExpenseOnDepositsFromCustomers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Customer deposits</link:label>
    <link:label id="lab_ifrs-full_InterestExpenseOnDepositsFromCustomers_label_en-US" xlink:label="lab_ifrs-full_InterestExpenseOnDepositsFromCustomers" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest expense on deposits from customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestExpenseOnDepositsFromCustomers" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InterestExpenseOnDepositsFromCustomers"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestExpenseOnDepositsFromCustomers" xlink:to="lab_ifrs-full_InterestExpenseOnDepositsFromCustomers" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RetainedEarningsAndOtherReserves_019ca0fb-cbee-72f4-9006-c1148e0eac7c_totalLabel_en-US" xlink:label="lab_san_RetainedEarningsAndOtherReserves" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Accumulated retained earnings and other reserves</link:label>
    <link:label id="lab_san_RetainedEarningsAndOtherReserves_019ca0fb-cbee-7a5b-bf65-9ba0dddb95b0_verboseLabel_en-US" xlink:label="lab_san_RetainedEarningsAndOtherReserves" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Retained earnings and other reserves</link:label>
    <link:label id="lab_san_RetainedEarningsAndOtherReserves_label_en-US" xlink:label="lab_san_RetainedEarningsAndOtherReserves" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained Earnings And Other Reserves</link:label>
    <link:label id="lab_san_RetainedEarningsAndOtherReserves_documentation_en-US" xlink:label="lab_san_RetainedEarningsAndOtherReserves" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A component of equity representing the entity's cumulative undistributed earnings or deficit and other reserves.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RetainedEarningsAndOtherReserves" xlink:href="san-20251231.xsd#san_RetainedEarningsAndOtherReserves"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RetainedEarningsAndOtherReserves" xlink:to="lab_san_RetainedEarningsAndOtherReserves" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_WeightedAverageMember_019ca0fb-ca4e-73ba-8dcf-edfd8b26b2e9_terseLabel_en-US" xlink:label="lab_ifrs-full_WeightedAverageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted average</link:label>
    <link:label id="lab_ifrs-full_WeightedAverageMember_019ca0fb-ca4e-76ba-9080-2106fdbddfbc_verboseLabel_en-US" xlink:label="lab_ifrs-full_WeightedAverageMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Average</link:label>
    <link:label id="lab_ifrs-full_WeightedAverageMember_label_en-US" xlink:label="lab_ifrs-full_WeightedAverageMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted average [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_WeightedAverageMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_WeightedAverageMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_WeightedAverageMember" xlink:to="lab_ifrs-full_WeightedAverageMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CurrentTaxAssets_019ca0fb-cad3-7da0-bba9-2cd1849db711_terseLabel_en-US" xlink:label="lab_ifrs-full_CurrentTaxAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current tax assets</link:label>
    <link:label id="lab_ifrs-full_CurrentTaxAssets_label_en-US" xlink:label="lab_ifrs-full_CurrentTaxAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current tax assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CurrentTaxAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CurrentTaxAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CurrentTaxAssets" xlink:to="lab_ifrs-full_CurrentTaxAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProvisionUsedOtherProvisions_019ca0fb-cbee-701f-ba2f-eefa07ad2114_terseLabel_en-US" xlink:label="lab_ifrs-full_ProvisionUsedOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision used, other provisions</link:label>
    <link:label id="lab_ifrs-full_ProvisionUsedOtherProvisions_label_en-US" xlink:label="lab_ifrs-full_ProvisionUsedOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provision used, other provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProvisionUsedOtherProvisions" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProvisionUsedOtherProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProvisionUsedOtherProvisions" xlink:to="lab_ifrs-full_ProvisionUsedOtherProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CreditCardsMember_019ca0fb-c9cd-7556-bd96-460346337f52_terseLabel_en-US" xlink:label="lab_san_CreditCardsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit cards</link:label>
    <link:label id="lab_san_CreditCardsMember_label_en-US" xlink:label="lab_san_CreditCardsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Cards [Member]</link:label>
    <link:label id="lab_san_CreditCardsMember_documentation_en-US" xlink:label="lab_san_CreditCardsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Credit Cards</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CreditCardsMember" xlink:href="san-20251231.xsd#san_CreditCardsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CreditCardsMember" xlink:to="lab_san_CreditCardsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_KeyManagementPersonnelCompensationTerminationBenefits_019ca0fb-ca4e-7f3d-a3d0-b140571a936e_terseLabel_en-US" xlink:label="lab_ifrs-full_KeyManagementPersonnelCompensationTerminationBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Salaries and other remuneration related to retirement</link:label>
    <link:label id="lab_ifrs-full_KeyManagementPersonnelCompensationTerminationBenefits_label_en-US" xlink:label="lab_ifrs-full_KeyManagementPersonnelCompensationTerminationBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key management personnel compensation, termination benefits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_KeyManagementPersonnelCompensationTerminationBenefits" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_KeyManagementPersonnelCompensationTerminationBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_KeyManagementPersonnelCompensationTerminationBenefits" xlink:to="lab_ifrs-full_KeyManagementPersonnelCompensationTerminationBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RangeDomain_019ca0fb-ca4e-7e0d-af8c-276a91409bec_terseLabel_en-US" xlink:label="lab_ifrs-full_RangeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Range [domain]</link:label>
    <link:label id="lab_ifrs-full_RangeDomain_label_en-US" xlink:label="lab_ifrs-full_RangeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Range [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RangeDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RangeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RangeDomain" xlink:to="lab_ifrs-full_RangeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfContingentLiabilitiesAxis_019ca0fb-c9cd-7b76-ae2b-7c505d812b69_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfContingentLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of contingent liabilities [axis]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfContingentLiabilitiesAxis_label_en-US" xlink:label="lab_ifrs-full_ClassesOfContingentLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of contingent liabilities [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfContingentLiabilitiesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfContingentLiabilitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfContingentLiabilitiesAxis" xlink:to="lab_ifrs-full_ClassesOfContingentLiabilitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesThreeYearPlanMember_019ca0fb-c94e-7418-8ca1-a654daf1074b_terseLabel_en-US" xlink:label="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesThreeYearPlanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred variable remuneration, three-year plan</link:label>
    <link:label id="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesThreeYearPlanMember_label_en-US" xlink:label="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesThreeYearPlanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Compensation Plan Multiannual Objectives, Three Year Plan [Member]</link:label>
    <link:label id="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesThreeYearPlanMember_documentation_en-US" xlink:label="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesThreeYearPlanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Compensation Plan Multiannual Objectives, Three Year Plan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableCompensationPlanMultiannualObjectivesThreeYearPlanMember" xlink:href="san-20251231.xsd#san_DeferredVariableCompensationPlanMultiannualObjectivesThreeYearPlanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableCompensationPlanMultiannualObjectivesThreeYearPlanMember" xlink:to="lab_san_DeferredVariableCompensationPlanMultiannualObjectivesThreeYearPlanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_DirectorMember_019ca0fb-cb6b-7477-94a1-a8ef3827c930_terseLabel_en-US" xlink:label="lab_srt_DirectorMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Directors</link:label>
    <link:label id="lab_srt_DirectorMember_019ca0fb-cb6b-7f8f-bea4-ebeb9df051ca_verboseLabel_en-US" xlink:label="lab_srt_DirectorMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Members of the board of directors</link:label>
    <link:label id="lab_srt_DirectorMember_019ca0fb-cb6b-7591-8972-b55d95907ce0_netLabel_en-US" xlink:label="lab_srt_DirectorMember" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Board of directors</link:label>
    <link:label id="lab_srt_DirectorMember_label_en-US" xlink:label="lab_srt_DirectorMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Director [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_DirectorMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_DirectorMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_DirectorMember" xlink:to="lab_srt_DirectorMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RevenueFromInterest_019ca0fb-cad3-7898-bd00-a76accdc87dc_terseLabel_en-US" xlink:label="lab_ifrs-full_RevenueFromInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest income</link:label>
    <link:label id="lab_ifrs-full_RevenueFromInterest_019ca0fb-cad3-77ba-9ed3-1fad74f41fc2_totalLabel_en-US" xlink:label="lab_ifrs-full_RevenueFromInterest" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total interest income</link:label>
    <link:label id="lab_ifrs-full_RevenueFromInterest_label_en-US" xlink:label="lab_ifrs-full_RevenueFromInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RevenueFromInterest" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RevenueFromInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RevenueFromInterest" xlink:to="lab_ifrs-full_RevenueFromInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfGainsLossesOnAssetsHeldForSaleLineItems_019ca0fb-c94e-76c8-9204-174fcbd9d33e_terseLabel_en-US" xlink:label="lab_san_DisclosureOfGainsLossesOnAssetsHeldForSaleLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains Or Losses On Assets Held For Sale [Line Items]</link:label>
    <link:label id="lab_san_DisclosureOfGainsLossesOnAssetsHeldForSaleLineItems_label_en-US" xlink:label="lab_san_DisclosureOfGainsLossesOnAssetsHeldForSaleLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Gains (Losses) On Assets Held For Sale [Line Items]</link:label>
    <link:label id="lab_san_DisclosureOfGainsLossesOnAssetsHeldForSaleLineItems_documentation_en-US" xlink:label="lab_san_DisclosureOfGainsLossesOnAssetsHeldForSaleLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes of the table.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfGainsLossesOnAssetsHeldForSaleLineItems" xlink:href="san-20251231.xsd#san_DisclosureOfGainsLossesOnAssetsHeldForSaleLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfGainsLossesOnAssetsHeldForSaleLineItems" xlink:to="lab_san_DisclosureOfGainsLossesOnAssetsHeldForSaleLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfReconciliationOfHedgingComponentsInOtherComprehensiveIncomeTableTextBlock_019ca0fb-ca4e-78aa-87fd-e25e24cf8f8b_terseLabel_en-US" xlink:label="lab_san_DisclosureOfReconciliationOfHedgingComponentsInOtherComprehensiveIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of movement in hedging components in other comprehensive income</link:label>
    <link:label id="lab_san_DisclosureOfReconciliationOfHedgingComponentsInOtherComprehensiveIncomeTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfReconciliationOfHedgingComponentsInOtherComprehensiveIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Reconciliation Of Hedging Components In Other Comprehensive Income [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfReconciliationOfHedgingComponentsInOtherComprehensiveIncomeTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfReconciliationOfHedgingComponentsInOtherComprehensiveIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The tabular reconciliation of movement for each hedging component of other comprehensive income.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfReconciliationOfHedgingComponentsInOtherComprehensiveIncomeTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfReconciliationOfHedgingComponentsInOtherComprehensiveIncomeTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfReconciliationOfHedgingComponentsInOtherComprehensiveIncomeTableTextBlock" xlink:to="lab_san_DisclosureOfReconciliationOfHedgingComponentsInOtherComprehensiveIncomeTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AmortisationAndImpairmentLiberationsIntangibleAssetsOtherThanGoodwill_019ca0fb-cb6b-7de9-8430-21d6d4b29208_terseLabel_en-US" xlink:label="lab_san_AmortisationAndImpairmentLiberationsIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Of which Liberation</link:label>
    <link:label id="lab_san_AmortisationAndImpairmentLiberationsIntangibleAssetsOtherThanGoodwill_label_en-US" xlink:label="lab_san_AmortisationAndImpairmentLiberationsIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortisation And Impairment, Liberations Intangible Assets Other Than Goodwill</link:label>
    <link:label id="lab_san_AmortisationAndImpairmentLiberationsIntangibleAssetsOtherThanGoodwill_documentation_en-US" xlink:label="lab_san_AmortisationAndImpairmentLiberationsIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of the portion of impairment losses attributable to liberation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AmortisationAndImpairmentLiberationsIntangibleAssetsOtherThanGoodwill" xlink:href="san-20251231.xsd#san_AmortisationAndImpairmentLiberationsIntangibleAssetsOtherThanGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AmortisationAndImpairmentLiberationsIntangibleAssetsOtherThanGoodwill" xlink:to="lab_san_AmortisationAndImpairmentLiberationsIntangibleAssetsOtherThanGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesExplanatory_019ca0fb-cad3-7ef8-b026-66097a2257eb_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of goodwill assumptions</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of information for cash-generating units [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesExplanatory" xlink:to="lab_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ScenarioUnspecifiedDomain_019ca0fb-cad3-79d4-b310-048292ee50c8_terseLabel_en-US" xlink:label="lab_srt_ScenarioUnspecifiedDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Scenario [Domain]</link:label>
    <link:label id="lab_srt_ScenarioUnspecifiedDomain_label_en-US" xlink:label="lab_srt_ScenarioUnspecifiedDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Scenario [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioUnspecifiedDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScenarioUnspecifiedDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScenarioUnspecifiedDomain" xlink:to="lab_srt_ScenarioUnspecifiedDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ArbitrationMatterAmountToBeReceivedByEntityInterest_019ca0fb-c94e-7709-b7a9-9d490492c331_terseLabel_en-US" xlink:label="lab_san_ArbitrationMatterAmountToBeReceivedByEntityInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Arbitration matter, amount to be received by entity, interest</link:label>
    <link:label id="lab_san_ArbitrationMatterAmountToBeReceivedByEntityInterest_label_en-US" xlink:label="lab_san_ArbitrationMatterAmountToBeReceivedByEntityInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Arbitration Matter, Amount To Be Received By Entity, Interest</link:label>
    <link:label id="lab_san_ArbitrationMatterAmountToBeReceivedByEntityInterest_documentation_en-US" xlink:label="lab_san_ArbitrationMatterAmountToBeReceivedByEntityInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Arbitration Matter, Amount To Be Received By Entity, Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ArbitrationMatterAmountToBeReceivedByEntityInterest" xlink:href="san-20251231.xsd#san_ArbitrationMatterAmountToBeReceivedByEntityInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ArbitrationMatterAmountToBeReceivedByEntityInterest" xlink:to="lab_san_ArbitrationMatterAmountToBeReceivedByEntityInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LocalSovereignOtherThanOfficialCurrencyRiskMember_019ca0fb-ca4e-72a7-8ce9-9c94fb175a4a_terseLabel_en-US" xlink:label="lab_san_LocalSovereignOtherThanOfficialCurrencyRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Local sovereign other than official currency risk</link:label>
    <link:label id="lab_san_LocalSovereignOtherThanOfficialCurrencyRiskMember_label_en-US" xlink:label="lab_san_LocalSovereignOtherThanOfficialCurrencyRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Local Sovereign Other Than Official Currency Risk [Member]</link:label>
    <link:label id="lab_san_LocalSovereignOtherThanOfficialCurrencyRiskMember_documentation_en-US" xlink:label="lab_san_LocalSovereignOtherThanOfficialCurrencyRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for local sovereign other than official currency risk.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LocalSovereignOtherThanOfficialCurrencyRiskMember" xlink:href="san-20251231.xsd#san_LocalSovereignOtherThanOfficialCurrencyRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LocalSovereignOtherThanOfficialCurrencyRiskMember" xlink:to="lab_san_LocalSovereignOtherThanOfficialCurrencyRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NominalValueOfEquityComponentOfConvertibleInstruments_019ca0fb-c9cd-7c6d-bd7a-bd44cb055928_terseLabel_en-US" xlink:label="lab_san_NominalValueOfEquityComponentOfConvertibleInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fidelity bonds, nominal value</link:label>
    <link:label id="lab_san_NominalValueOfEquityComponentOfConvertibleInstruments_label_en-US" xlink:label="lab_san_NominalValueOfEquityComponentOfConvertibleInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Nominal Value Of Equity Component Of Convertible Instruments</link:label>
    <link:label id="lab_san_NominalValueOfEquityComponentOfConvertibleInstruments_documentation_en-US" xlink:label="lab_san_NominalValueOfEquityComponentOfConvertibleInstruments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The nominal value of a component of equity representing components of convertible instruments classified as equity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NominalValueOfEquityComponentOfConvertibleInstruments" xlink:href="san-20251231.xsd#san_NominalValueOfEquityComponentOfConvertibleInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NominalValueOfEquityComponentOfConvertibleInstruments" xlink:to="lab_san_NominalValueOfEquityComponentOfConvertibleInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_san_A2025ProgramSecondCapitalReleasedOfPolandSaleMember_019ca0fb-c94e-7775-b613-dcaa0b8d4486_terseLabel_en-US" xlink:label="lab_san_A2025ProgramSecondCapitalReleasedOfPolandSaleMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2025 Program, Second, Capital Released Of Poland Sale</link:label>
    <link:label id="lab_san_A2025ProgramSecondCapitalReleasedOfPolandSaleMember_label_en-US" xlink:label="lab_san_A2025ProgramSecondCapitalReleasedOfPolandSaleMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">2025 Program, Second, Capital Released Of Poland Sale [Member]</link:label>
    <link:label id="lab_san_A2025ProgramSecondCapitalReleasedOfPolandSaleMember_documentation_en-US" xlink:label="lab_san_A2025ProgramSecondCapitalReleasedOfPolandSaleMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">2025 Program, Second, Capital Released Of Poland Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_A2025ProgramSecondCapitalReleasedOfPolandSaleMember" xlink:href="san-20251231.xsd#san_A2025ProgramSecondCapitalReleasedOfPolandSaleMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_A2025ProgramSecondCapitalReleasedOfPolandSaleMember" xlink:to="lab_san_A2025ProgramSecondCapitalReleasedOfPolandSaleMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SeniorManagementRetiredMember_019ca0fb-cb6b-7f34-b9b8-e5e7d02b53c1_terseLabel_en-US" xlink:label="lab_san_SeniorManagementRetiredMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retired senior managers</link:label>
    <link:label id="lab_san_SeniorManagementRetiredMember_label_en-US" xlink:label="lab_san_SeniorManagementRetiredMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Senior Management Retired [Member]</link:label>
    <link:label id="lab_san_SeniorManagementRetiredMember_documentation_en-US" xlink:label="lab_san_SeniorManagementRetiredMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for those persons identified as retired senior management that previously had authority and responsibility for planning, directing and controlling the activities of the entity, directly or indirectly, of that entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SeniorManagementRetiredMember" xlink:href="san-20251231.xsd#san_SeniorManagementRetiredMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SeniorManagementRetiredMember" xlink:to="lab_san_SeniorManagementRetiredMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationOfKeyPersonnelExcludingRemunerationForMultiAnnualObjectivesTableTextBlock_019ca0fb-c94e-7557-954d-fb9dc16a75a6_terseLabel_en-US" xlink:label="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationOfKeyPersonnelExcludingRemunerationForMultiAnnualObjectivesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule summarising short-term remuneration (excluding remuneration subject to long-term objectives)</link:label>
    <link:label id="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationOfKeyPersonnelExcludingRemunerationForMultiAnnualObjectivesTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationOfKeyPersonnelExcludingRemunerationForMultiAnnualObjectivesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Transactions Between Related Parties, Remuneration, Of Key Personnel Excluding Remuneration For Multi-Annual Objectives [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationOfKeyPersonnelExcludingRemunerationForMultiAnnualObjectivesTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationOfKeyPersonnelExcludingRemunerationForMultiAnnualObjectivesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of remuneration of key personnel excluding remuneration tied to multiannual objectives.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationOfKeyPersonnelExcludingRemunerationForMultiAnnualObjectivesTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationOfKeyPersonnelExcludingRemunerationForMultiAnnualObjectivesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationOfKeyPersonnelExcludingRemunerationForMultiAnnualObjectivesTableTextBlock" xlink:to="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationOfKeyPersonnelExcludingRemunerationForMultiAnnualObjectivesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_HomairaAkbariMember_019ca0fb-cb6b-7c17-ba03-7cf065ba9da7_terseLabel_en-US" xlink:label="lab_san_HomairaAkbariMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Homaira Akbari</link:label>
    <link:label id="lab_san_HomairaAkbariMember_019ca0fb-cb6b-7d65-a3b9-6f04c9bb3828_verboseLabel_en-US" xlink:label="lab_san_HomairaAkbariMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Homaira Akbari</link:label>
    <link:label id="lab_san_HomairaAkbariMember_label_en-US" xlink:label="lab_san_HomairaAkbariMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Homaira Akbari [Member]</link:label>
    <link:label id="lab_san_HomairaAkbariMember_documentation_en-US" xlink:label="lab_san_HomairaAkbariMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Ms. Homaira Akbari [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_HomairaAkbariMember" xlink:href="san-20251231.xsd#san_HomairaAkbariMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_HomairaAkbariMember" xlink:to="lab_san_HomairaAkbariMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InflationRate_019ca0fb-c9cd-7d21-b6e6-0ea87fb5114e_terseLabel_en-US" xlink:label="lab_san_InflationRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Inflation rate</link:label>
    <link:label id="lab_san_InflationRate_label_en-US" xlink:label="lab_san_InflationRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Inflation Rate</link:label>
    <link:label id="lab_san_InflationRate_documentation_en-US" xlink:label="lab_san_InflationRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Inflation Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InflationRate" xlink:href="san-20251231.xsd#san_InflationRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InflationRate" xlink:to="lab_san_InflationRate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss_019ca0fb-c94e-7850-aa85-1122de926e56_terseLabel_en-US" xlink:label="lab_san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Items that may be reclassified to profit or loss</link:label>
    <link:label id="lab_san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss_019ca0fb-c94e-7989-aafd-26e6124849c6_totalLabel_en-US" xlink:label="lab_san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">ITEMS THAT MAY BE RECLASSIFIED TO PROFIT OR LOSS:</link:label>
    <link:label id="lab_san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss_label_en-US" xlink:label="lab_san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income, Items That May Be Reclassified To Profit Or Loss</link:label>
    <link:label id="lab_san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss_documentation_en-US" xlink:label="lab_san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of other reserves that may be reclassified to profit or loss that is attributable to parent.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss" xlink:href="san-20251231.xsd#san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss" xlink:to="lab_san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RepurchaseAgreementsAssetsMember_019ca0fb-ca4e-783d-9c34-e37756fb5c9e_terseLabel_en-US" xlink:label="lab_san_RepurchaseAgreementsAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reverse repurchase agreements</link:label>
    <link:label id="lab_san_RepurchaseAgreementsAssetsMember_label_en-US" xlink:label="lab_san_RepurchaseAgreementsAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repurchase Agreements Assets [Member]</link:label>
    <link:label id="lab_san_RepurchaseAgreementsAssetsMember_documentation_en-US" xlink:label="lab_san_RepurchaseAgreementsAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for financial assets that are repurchase agreements or reverse repurchase agreements.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RepurchaseAgreementsAssetsMember" xlink:href="san-20251231.xsd#san_RepurchaseAgreementsAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RepurchaseAgreementsAssetsMember" xlink:to="lab_san_RepurchaseAgreementsAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MortgageLettersDebtSecuritiesMember_019ca0fb-c9cd-72b9-b121-54429a3c30d1_terseLabel_en-US" xlink:label="lab_san_MortgageLettersDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage Letters</link:label>
    <link:label id="lab_san_MortgageLettersDebtSecuritiesMember_label_en-US" xlink:label="lab_san_MortgageLettersDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Letters, Debt Securities [Member]</link:label>
    <link:label id="lab_san_MortgageLettersDebtSecuritiesMember_documentation_en-US" xlink:label="lab_san_MortgageLettersDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Letters, Debt Securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MortgageLettersDebtSecuritiesMember" xlink:href="san-20251231.xsd#san_MortgageLettersDebtSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MortgageLettersDebtSecuritiesMember" xlink:to="lab_san_MortgageLettersDebtSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DigitalTransformationAward2022FirstBlockMember_019ca0fb-ca4e-7c68-9ef1-89e32ed084d8_terseLabel_en-US" xlink:label="lab_san_DigitalTransformationAward2022FirstBlockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2022, first block</link:label>
    <link:label id="lab_san_DigitalTransformationAward2022FirstBlockMember_label_en-US" xlink:label="lab_san_DigitalTransformationAward2022FirstBlockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2022, First Block [Member]</link:label>
    <link:label id="lab_san_DigitalTransformationAward2022FirstBlockMember_documentation_en-US" xlink:label="lab_san_DigitalTransformationAward2022FirstBlockMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2022, First Block</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DigitalTransformationAward2022FirstBlockMember" xlink:href="san-20251231.xsd#san_DigitalTransformationAward2022FirstBlockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DigitalTransformationAward2022FirstBlockMember" xlink:to="lab_san_DigitalTransformationAward2022FirstBlockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions_019ca0fb-cad3-7f95-b08a-5111a0e059b3_negatedLabel_en-US" xlink:label="lab_san_DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Payments to pensioners and pre-retirees with a charge to internal provisions</link:label>
    <link:label id="lab_san_DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions_label_en-US" xlink:label="lab_san_DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease Through Payments To Pensioners And Pre Retirees, Provisions</link:label>
    <link:label id="lab_san_DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions_documentation_en-US" xlink:label="lab_san_DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Decrease increase in provision balance due to payments to pensioners and pre-retirees.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions" xlink:href="san-20251231.xsd#san_DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions" xlink:to="lab_san_DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ShortPositionsMember_019ca0fb-c9cd-78bb-aea5-b7b64a747ebb_terseLabel_en-US" xlink:label="lab_san_ShortPositionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Short positions</link:label>
    <link:label id="lab_san_ShortPositionsMember_label_en-US" xlink:label="lab_san_ShortPositionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Short Positions [Member]</link:label>
    <link:label id="lab_san_ShortPositionsMember_documentation_en-US" xlink:label="lab_san_ShortPositionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents the amount of financial liabilities arising from the outright sale of financial assets acquired under reverse repurchase agreements or borrowed.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ShortPositionsMember" xlink:href="san-20251231.xsd#san_ShortPositionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ShortPositionsMember" xlink:to="lab_san_ShortPositionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ExecutiveDirectorsMember_019ca0fb-cc70-7902-b3b0-36012b42abde_terseLabel_en-US" xlink:label="lab_san_ExecutiveDirectorsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Executive directors</link:label>
    <link:label id="lab_san_ExecutiveDirectorsMember_label_en-US" xlink:label="lab_san_ExecutiveDirectorsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Executive Directors [Member]</link:label>
    <link:label id="lab_san_ExecutiveDirectorsMember_documentation_en-US" xlink:label="lab_san_ExecutiveDirectorsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Executive Directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ExecutiveDirectorsMember" xlink:href="san-20251231.xsd#san_ExecutiveDirectorsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ExecutiveDirectorsMember" xlink:to="lab_san_ExecutiveDirectorsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TypesOfCustomersAxis_019ca0fb-cad3-76bd-840b-e14e293f3c78_terseLabel_en-US" xlink:label="lab_ifrs-full_TypesOfCustomersAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Types of customers [axis]</link:label>
    <link:label id="lab_ifrs-full_TypesOfCustomersAxis_label_en-US" xlink:label="lab_ifrs-full_TypesOfCustomersAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Types of customers [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TypesOfCustomersAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TypesOfCustomersAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TypesOfCustomersAxis" xlink:to="lab_ifrs-full_TypesOfCustomersAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EstimationOfExpectedLossesGDPGrowthRate_019ca0fb-c94e-713c-a535-300653e4fdd1_terseLabel_en-US" xlink:label="lab_san_EstimationOfExpectedLossesGDPGrowthRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">GDP growth</link:label>
    <link:label id="lab_san_EstimationOfExpectedLossesGDPGrowthRate_label_en-US" xlink:label="lab_san_EstimationOfExpectedLossesGDPGrowthRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimation Of Expected Losses, GDP Growth Rate</link:label>
    <link:label id="lab_san_EstimationOfExpectedLossesGDPGrowthRate_documentation_en-US" xlink:label="lab_san_EstimationOfExpectedLossesGDPGrowthRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the GDP growth rate percentage in the estimation of expected credit losses.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EstimationOfExpectedLossesGDPGrowthRate" xlink:href="san-20251231.xsd#san_EstimationOfExpectedLossesGDPGrowthRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EstimationOfExpectedLossesGDPGrowthRate" xlink:to="lab_san_EstimationOfExpectedLossesGDPGrowthRate" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NotionalAmount_019ca0fb-cbee-7223-ba8f-23befb380fa4_terseLabel_en-US" xlink:label="lab_ifrs-full_NotionalAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Notional amount</link:label>
    <link:label id="lab_ifrs-full_NotionalAmount_label_en-US" xlink:label="lab_ifrs-full_NotionalAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Notional amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NotionalAmount" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NotionalAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NotionalAmount" xlink:to="lab_ifrs-full_NotionalAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently_019ca0fb-ca4e-7795-9e0f-6535a7960790_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Liabilities designated at fair value through profit or loss at initial recognition recognised in other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently_label_en-US" xlink:label="lab_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (losses) recognised in other comprehensive income on financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:to="lab_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_UnconsolidatedStructuredEntitiesAxis_019ca0fb-cad3-7a9d-8ad7-a495f5239638_terseLabel_en-US" xlink:label="lab_ifrs-full_UnconsolidatedStructuredEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unconsolidated structured entities [axis]</link:label>
    <link:label id="lab_ifrs-full_UnconsolidatedStructuredEntitiesAxis_label_en-US" xlink:label="lab_ifrs-full_UnconsolidatedStructuredEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unconsolidated structured entities [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_UnconsolidatedStructuredEntitiesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_UnconsolidatedStructuredEntitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_UnconsolidatedStructuredEntitiesAxis" xlink:to="lab_ifrs-full_UnconsolidatedStructuredEntitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets_019ca0fb-cbee-7b53-b81e-48ea9cff1213_negatedLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">To stage 1 from stage 2</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Transfers From Stage 2 To Stage 1 Financial Assets</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) in financial assets resulting from transfers from credit risk stage 2 to stage 1.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" xlink:to="lab_san_IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoanToValue1Domain_019ca0fb-cc70-7285-bb73-4af850b4f54f_terseLabel_en-US" xlink:label="lab_san_LoanToValue1Domain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan To Value [Domain]</link:label>
    <link:label id="lab_san_LoanToValue1Domain_label_en-US" xlink:label="lab_san_LoanToValue1Domain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan To Value1 [Domain]</link:label>
    <link:label id="lab_san_LoanToValue1Domain_documentation_en-US" xlink:label="lab_san_LoanToValue1Domain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan To Value [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoanToValue1Domain" xlink:href="san-20251231.xsd#san_LoanToValue1Domain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoanToValue1Domain" xlink:to="lab_san_LoanToValue1Domain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory_019ca0fb-c9cd-780b-a69c-b7bb42e67c17_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of investments by company</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of investments accounted for using equity method [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory" xlink:to="lab_ifrs-full_DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NetLiabilitiesOrAssetsForRemainingCoverageExcludingLossComponentMember_019ca0fb-ca4e-73f2-8b67-8995c4e891eb_terseLabel_en-US" xlink:label="lab_ifrs-full_NetLiabilitiesOrAssetsForRemainingCoverageExcludingLossComponentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities relating to insurance contracts measured under PAA</link:label>
    <link:label id="lab_ifrs-full_NetLiabilitiesOrAssetsForRemainingCoverageExcludingLossComponentMember_label_en-US" xlink:label="lab_ifrs-full_NetLiabilitiesOrAssetsForRemainingCoverageExcludingLossComponentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net liabilities or assets for remaining coverage excluding loss component [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NetLiabilitiesOrAssetsForRemainingCoverageExcludingLossComponentMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NetLiabilitiesOrAssetsForRemainingCoverageExcludingLossComponentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NetLiabilitiesOrAssetsForRemainingCoverageExcludingLossComponentMember" xlink:to="lab_ifrs-full_NetLiabilitiesOrAssetsForRemainingCoverageExcludingLossComponentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax_019ca0fb-cad3-7444-9b66-fa861e358e3b_negatedLabel_en-US" xlink:label="lab_san_ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Amounts transferred to income statement</link:label>
    <link:label id="lab_san_ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax_label_en-US" xlink:label="lab_san_ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification Adjustments On Hedging Instruments Not Designated, Before Tax</link:label>
    <link:label id="lab_san_ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax_documentation_en-US" xlink:label="lab_san_ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reclassification Adjustments On Hedging Instruments Not Designated, Before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" xlink:href="san-20251231.xsd#san_ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" xlink:to="lab_san_ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherFeeAndCommissionIncome_019ca0fb-cbee-7db5-9388-b27b7e3ef6fb_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherFeeAndCommissionIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_ifrs-full_OtherFeeAndCommissionIncome_label_en-US" xlink:label="lab_ifrs-full_OtherFeeAndCommissionIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other fee and commission income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherFeeAndCommissionIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherFeeAndCommissionIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherFeeAndCommissionIncome" xlink:to="lab_ifrs-full_OtherFeeAndCommissionIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LTVMoreThan100PercentMember_019ca0fb-cc70-728c-a808-a360a3afc243_terseLabel_en-US" xlink:label="lab_san_LTVMoreThan100PercentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">More than 100%</link:label>
    <link:label id="lab_san_LTVMoreThan100PercentMember_label_en-US" xlink:label="lab_san_LTVMoreThan100PercentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">LTV More Than 100 Percent [Member]</link:label>
    <link:label id="lab_san_LTVMoreThan100PercentMember_documentation_en-US" xlink:label="lab_san_LTVMoreThan100PercentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan-to-value (LTV) ratio more than 100%.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LTVMoreThan100PercentMember" xlink:href="san-20251231.xsd#san_LTVMoreThan100PercentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LTVMoreThan100PercentMember" xlink:to="lab_san_LTVMoreThan100PercentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DilutedEarningsLossPerShare_019ca0fb-c9cd-7862-a064-ea628bd2c4dd_terseLabel_en-US" xlink:label="lab_ifrs-full_DilutedEarningsLossPerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Diluted (in euro per share)</link:label>
    <link:label id="lab_ifrs-full_DilutedEarningsLossPerShare_019ca0fb-c9cd-7736-ad92-7b6be26c5b1c_totalLabel_en-US" xlink:label="lab_ifrs-full_DilutedEarningsLossPerShare" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Diluted earnings (loss) per share (in euro per share)</link:label>
    <link:label id="lab_ifrs-full_DilutedEarningsLossPerShare_label_en-US" xlink:label="lab_ifrs-full_DilutedEarningsLossPerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Diluted earnings (loss) per share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DilutedEarningsLossPerShare" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DilutedEarningsLossPerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DilutedEarningsLossPerShare" xlink:to="lab_ifrs-full_DilutedEarningsLossPerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MaturityDomain_019ca0fb-cb6b-7e24-8d6a-4613ca5cae15_terseLabel_en-US" xlink:label="lab_ifrs-full_MaturityDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maturity [domain]</link:label>
    <link:label id="lab_ifrs-full_MaturityDomain_label_en-US" xlink:label="lab_ifrs-full_MaturityDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maturity [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MaturityDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MaturityDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MaturityDomain" xlink:to="lab_ifrs-full_MaturityDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesAmortisedCostBeforeModification_019ca0fb-cb6b-73a5-bef6-12a8523b81e5_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesAmortisedCostBeforeModification" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets with contractual cash flows modified during reporting period while loss allowance measured at lifetime expected credit losses</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesAmortisedCostBeforeModification_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesAmortisedCostBeforeModification" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets with contractual cash flows modified during reporting period while loss allowance measured at lifetime expected credit losses, amortised cost before modification</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesAmortisedCostBeforeModification" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesAmortisedCostBeforeModification"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesAmortisedCostBeforeModification" xlink:to="lab_ifrs-full_FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesAmortisedCostBeforeModification" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_019ca0fb-c94e-7406-9dfa-df5f08d00ba8_terseLabel_en-US" xlink:label="lab_ifrs-full_CategoriesOfFinancialLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Categories of financial liabilities [axis]</link:label>
    <link:label id="lab_ifrs-full_CategoriesOfFinancialLiabilitiesAxis_label_en-US" xlink:label="lab_ifrs-full_CategoriesOfFinancialLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Categories of financial liabilities [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CategoriesOfFinancialLiabilitiesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CategoriesOfFinancialLiabilitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CategoriesOfFinancialLiabilitiesAxis" xlink:to="lab_ifrs-full_CategoriesOfFinancialLiabilitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ResidentialPropertyCollateralMember_019ca0fb-c94e-76f6-924c-e8eda6733ceb_terseLabel_en-US" xlink:label="lab_san_ResidentialPropertyCollateralMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Residential</link:label>
    <link:label id="lab_san_ResidentialPropertyCollateralMember_label_en-US" xlink:label="lab_san_ResidentialPropertyCollateralMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Residential Property Collateral [Member]</link:label>
    <link:label id="lab_san_ResidentialPropertyCollateralMember_documentation_en-US" xlink:label="lab_san_ResidentialPropertyCollateralMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for collateral in the form of residential property.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ResidentialPropertyCollateralMember" xlink:href="san-20251231.xsd#san_ResidentialPropertyCollateralMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ResidentialPropertyCollateralMember" xlink:to="lab_san_ResidentialPropertyCollateralMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FinancialAssetsHeldForTradingAndFinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember_019ca0fb-cad3-7def-a586-0555ed6f5b3f_terseLabel_en-US" xlink:label="lab_san_FinancialAssetsHeldForTradingAndFinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</link:label>
    <link:label id="lab_san_FinancialAssetsHeldForTradingAndFinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember_label_en-US" xlink:label="lab_san_FinancialAssetsHeldForTradingAndFinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Assets Held For Trading And Financial Assets Designated At Fair Value Through Profit Or Loss [Member]</link:label>
    <link:label id="lab_san_FinancialAssetsHeldForTradingAndFinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember_documentation_en-US" xlink:label="lab_san_FinancialAssetsHeldForTradingAndFinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for financial assets held for trading and financial assets designated at fair value through profit or loss.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinancialAssetsHeldForTradingAndFinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember" xlink:href="san-20251231.xsd#san_FinancialAssetsHeldForTradingAndFinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FinancialAssetsHeldForTradingAndFinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember" xlink:to="lab_san_FinancialAssetsHeldForTradingAndFinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MarketComparablePricesMember_019ca0fb-cb6b-780c-923a-066f58a88608_terseLabel_en-US" xlink:label="lab_ifrs-full_MarketComparablePricesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Market comparable prices</link:label>
    <link:label id="lab_ifrs-full_MarketComparablePricesMember_label_en-US" xlink:label="lab_ifrs-full_MarketComparablePricesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Market comparable prices [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MarketComparablePricesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MarketComparablePricesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MarketComparablePricesMember" xlink:to="lab_ifrs-full_MarketComparablePricesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InvestmentsInGroupCompaniesMember_019ca0fb-c9cd-7a2e-8282-0c74c8373fca_terseLabel_en-US" xlink:label="lab_san_InvestmentsInGroupCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments in Group companies</link:label>
    <link:label id="lab_san_InvestmentsInGroupCompaniesMember_label_en-US" xlink:label="lab_san_InvestmentsInGroupCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments In Group Companies [Member]</link:label>
    <link:label id="lab_san_InvestmentsInGroupCompaniesMember_documentation_en-US" xlink:label="lab_san_InvestmentsInGroupCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands investments in Group companies.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InvestmentsInGroupCompaniesMember" xlink:href="san-20251231.xsd#san_InvestmentsInGroupCompaniesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InvestmentsInGroupCompaniesMember" xlink:to="lab_san_InvestmentsInGroupCompaniesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NewZealandDollarAndEuroMember_019ca0fb-c94e-7f43-a2fc-ab74ab8a345d_terseLabel_en-US" xlink:label="lab_san_NewZealandDollarAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">NZD/EUR</link:label>
    <link:label id="lab_san_NewZealandDollarAndEuroMember_label_en-US" xlink:label="lab_san_NewZealandDollarAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">New Zealand Dollar And Euro [Member]</link:label>
    <link:label id="lab_san_NewZealandDollarAndEuroMember_documentation_en-US" xlink:label="lab_san_NewZealandDollarAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">New Zealand Dollar And Euro</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NewZealandDollarAndEuroMember" xlink:href="san-20251231.xsd#san_NewZealandDollarAndEuroMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NewZealandDollarAndEuroMember" xlink:to="lab_san_NewZealandDollarAndEuroMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets_019ca0fb-c9cd-790f-838b-47944f021500_terseLabel_en-US" xlink:label="lab_san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tier 1 phase in capital ratio</link:label>
    <link:label id="lab_san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets_019ca0fb-c9cd-775d-b3be-f9c045d9bea8_totalLabel_en-US" xlink:label="lab_san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Level 1 capital coefficient (TIER1)</link:label>
    <link:label id="lab_san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets_label_en-US" xlink:label="lab_san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS Tier One Risk Based Capital To Risk Weighted Assets</link:label>
    <link:label id="lab_san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets_documentation_en-US" xlink:label="lab_san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tier 1 capital divided by risk weighted assets as defined by international regulations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets" xlink:href="san-20251231.xsd#san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets" xlink:to="lab_san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementsOfAssetsAndLiabilitiesTableTextBlock_019ca0fb-cad3-7f8b-87a4-ed2cc9461f7c_terseLabel_en-US" xlink:label="lab_san_DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementsOfAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of effect on fair value of financial instruments classified as Level 3 of a reasonable change in the assumptions used in the valuation</link:label>
    <link:label id="lab_san_DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementsOfAssetsAndLiabilitiesTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementsOfAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurements Of Assets And Liabilities [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementsOfAssetsAndLiabilitiesTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementsOfAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of significant inputs for which market data are not available and that are developed using the best information available about the assumptions that market participants would use when measuring the fair value of assets and liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementsOfAssetsAndLiabilitiesTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementsOfAssetsAndLiabilitiesTableTextBlock"/>
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    <link:label id="lab_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems_019ca0fb-ca4e-7bf2-a6b9-434141faff9f_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of associates [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of associates [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems" xlink:to="lab_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LiabilitiesSecuredByNonAssetBackedSecurities_019ca0fb-cad3-75be-b08f-a10429e9d333_terseLabel_en-US" xlink:label="lab_san_LiabilitiesSecuredByNonAssetBackedSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities secured by other mortgage securities</link:label>
    <link:label id="lab_san_LiabilitiesSecuredByNonAssetBackedSecurities_label_en-US" xlink:label="lab_san_LiabilitiesSecuredByNonAssetBackedSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities Secured By Non-Asset-Backed Securities</link:label>
    <link:label id="lab_san_LiabilitiesSecuredByNonAssetBackedSecurities_documentation_en-US" xlink:label="lab_san_LiabilitiesSecuredByNonAssetBackedSecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of liabilities that are secured by non-asset-backed securities held by the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LiabilitiesSecuredByNonAssetBackedSecurities" xlink:href="san-20251231.xsd#san_LiabilitiesSecuredByNonAssetBackedSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LiabilitiesSecuredByNonAssetBackedSecurities" xlink:to="lab_san_LiabilitiesSecuredByNonAssetBackedSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax_019ca0fb-cb6b-7aea-a383-b3bbd927b0b5_negatedLabel_en-US" xlink:label="lab_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Amounts transferred to income statement</link:label>
    <link:label id="lab_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax_label_en-US" xlink:label="lab_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification adjustments on cash flow hedges, before tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax"/>
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    <link:label id="lab_san_InterestRateAndCreditSpreadRiskMember_019ca0fb-cb6b-75ed-923c-0356a87d828d_terseLabel_en-US" xlink:label="lab_san_InterestRateAndCreditSpreadRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate, spread</link:label>
    <link:label id="lab_san_InterestRateAndCreditSpreadRiskMember_019ca0fb-cb6b-7c03-a06c-97c94dd33f2a_verboseLabel_en-US" xlink:label="lab_san_InterestRateAndCreditSpreadRiskMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">VaR Interest Rate</link:label>
    <link:label id="lab_san_InterestRateAndCreditSpreadRiskMember_label_en-US" xlink:label="lab_san_InterestRateAndCreditSpreadRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate And Credit Spread Risk [Member]</link:label>
    <link:label id="lab_san_InterestRateAndCreditSpreadRiskMember_documentation_en-US" xlink:label="lab_san_InterestRateAndCreditSpreadRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the type of risk that the fair value or future cash flows of a financial instrument will fluctuate because of changes in market interest rates or credit spread.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InterestRateAndCreditSpreadRiskMember" xlink:href="san-20251231.xsd#san_InterestRateAndCreditSpreadRiskMember"/>
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    <link:label id="lab_ifrs-full_FeeAndCommissionExpenseAbstract_019ca0fb-c94e-7b9b-843e-878ff80fbdb6_terseLabel_en-US" xlink:label="lab_ifrs-full_FeeAndCommissionExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fee and commission expense [abstract]</link:label>
    <link:label id="lab_ifrs-full_FeeAndCommissionExpenseAbstract_label_en-US" xlink:label="lab_ifrs-full_FeeAndCommissionExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fee and commission expense [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FeeAndCommissionExpenseAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FeeAndCommissionExpenseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FeeAndCommissionExpenseAbstract" xlink:to="lab_ifrs-full_FeeAndCommissionExpenseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InterestExpense_019ca0fb-cbee-7593-86e0-86412130efe5_negatedLabel_en-US" xlink:label="lab_ifrs-full_InterestExpense" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Interest expense</link:label>
    <link:label id="lab_ifrs-full_InterestExpense_019ca0fb-cbee-7fdb-a5d6-952844ddcaa0_totalLabel_en-US" xlink:label="lab_ifrs-full_InterestExpense" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Interest expense</link:label>
    <link:label id="lab_ifrs-full_InterestExpense_label_en-US" xlink:label="lab_ifrs-full_InterestExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InterestExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestExpense" xlink:to="lab_ifrs-full_InterestExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfGeographicalAreasLineItems_019ca0fb-cb6b-768e-ae24-11ee292e770f_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfGeographicalAreasLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of geographical areas [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfGeographicalAreasLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfGeographicalAreasLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of geographical areas [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfGeographicalAreasLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfGeographicalAreasLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfGeographicalAreasLineItems" xlink:to="lab_ifrs-full_DisclosureOfGeographicalAreasLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TaxExpenseOtherThanIncomeTaxExpense_019ca0fb-ca4e-7b47-90e8-d7f2211a6954_terseLabel_en-US" xlink:label="lab_ifrs-full_TaxExpenseOtherThanIncomeTaxExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Taxes other than income tax</link:label>
    <link:label id="lab_ifrs-full_TaxExpenseOtherThanIncomeTaxExpense_label_en-US" xlink:label="lab_ifrs-full_TaxExpenseOtherThanIncomeTaxExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax expense other than income tax expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TaxExpenseOtherThanIncomeTaxExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TaxExpenseOtherThanIncomeTaxExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TaxExpenseOtherThanIncomeTaxExpense" xlink:to="lab_ifrs-full_TaxExpenseOtherThanIncomeTaxExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansAndReceivablesPercentageCoveredBySpecificAllowances_019ca0fb-c9cd-75b7-b461-d9f01dac810b_terseLabel_en-US" xlink:label="lab_san_LoansAndReceivablesPercentageCoveredBySpecificAllowances" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of loans covered by specific allowance</link:label>
    <link:label id="lab_san_LoansAndReceivablesPercentageCoveredBySpecificAllowances_label_en-US" xlink:label="lab_san_LoansAndReceivablesPercentageCoveredBySpecificAllowances" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans And Receivables, Percentage Covered By Specific Allowances</link:label>
    <link:label id="lab_san_LoansAndReceivablesPercentageCoveredBySpecificAllowances_documentation_en-US" xlink:label="lab_san_LoansAndReceivablesPercentageCoveredBySpecificAllowances" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage of loans covered by specific allowances.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansAndReceivablesPercentageCoveredBySpecificAllowances" xlink:href="san-20251231.xsd#san_LoansAndReceivablesPercentageCoveredBySpecificAllowances"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansAndReceivablesPercentageCoveredBySpecificAllowances" xlink:to="lab_san_LoansAndReceivablesPercentageCoveredBySpecificAllowances" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesAndOthersRelatedPartyTransactions_019ca0fb-ca4e-768a-89f4-871e1dc2d82a_terseLabel_en-US" xlink:label="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesAndOthersRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains/losses on financial assets and liabilities and others</link:label>
    <link:label id="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesAndOthersRelatedPartyTransactions_label_en-US" xlink:label="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesAndOthersRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains Losses On Financial Assets And Liabilities And Others, Related Party Transactions</link:label>
    <link:label id="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesAndOthersRelatedPartyTransactions_documentation_en-US" xlink:label="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesAndOthersRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of gains or losses on financial assets and liabilities and others attributable to related party transactions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GainsLossesOnFinancialAssetsAndLiabilitiesAndOthersRelatedPartyTransactions" xlink:href="san-20251231.xsd#san_GainsLossesOnFinancialAssetsAndLiabilitiesAndOthersRelatedPartyTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GainsLossesOnFinancialAssetsAndLiabilitiesAndOthersRelatedPartyTransactions" xlink:to="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesAndOthersRelatedPartyTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_JapanYenAndEuroMember_019ca0fb-cad3-7288-bce5-9ee1e802cbdb_terseLabel_en-US" xlink:label="lab_san_JapanYenAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">JPY/EUR</link:label>
    <link:label id="lab_san_JapanYenAndEuroMember_label_en-US" xlink:label="lab_san_JapanYenAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Japan, Yen And Euro [Member]</link:label>
    <link:label id="lab_san_JapanYenAndEuroMember_documentation_en-US" xlink:label="lab_san_JapanYenAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Japan, Yen And Euro</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_JapanYenAndEuroMember" xlink:href="san-20251231.xsd#san_JapanYenAndEuroMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_JapanYenAndEuroMember" xlink:to="lab_san_JapanYenAndEuroMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill_019ca0fb-cb6b-7242-89ba-c9e12315121a_terseLabel_en-US" xlink:label="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impairment losses</link:label>
    <link:label id="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill_label_en-US" xlink:label="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment loss recognised in profit or loss, intangible assets other than goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill" xlink:to="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfBusinessCombinationsLineItems_019ca0fb-cad3-7a5e-94c2-52d9e1760053_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfBusinessCombinationsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about business combination [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfBusinessCombinationsLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfBusinessCombinationsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about business combination [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfBusinessCombinationsLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfBusinessCombinationsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfBusinessCombinationsLineItems" xlink:to="lab_ifrs-full_DisclosureOfBusinessCombinationsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTableTextBlock_019ca0fb-ca4e-7cd6-afce-cec2f670802d_terseLabel_en-US" xlink:label="lab_san_ScheduleOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of gains or losses on non-current assets held for sale that were not classified as discontinued operations</link:label>
    <link:label id="lab_san_ScheduleOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTableTextBlock_label_en-US" xlink:label="lab_san_ScheduleOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Gains (Losses) On Disposal Of Non-Current Assets Held For Sale Not Classified As Discontinued Operations [Table Text Block]</link:label>
    <link:label id="lab_san_ScheduleOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTableTextBlock_documentation_en-US" xlink:label="lab_san_ScheduleOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular information on gains or losses on non-current assets held for sale that were not classified as discontinued operations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTableTextBlock" xlink:href="san-20251231.xsd#san_ScheduleOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTableTextBlock" xlink:to="lab_san_ScheduleOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss_019ca0fb-cad3-7809-8e4f-bd6853c29f06_terseLabel_en-US" xlink:label="lab_san_TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Permanent differences and other</link:label>
    <link:label id="lab_san_TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss_label_en-US" xlink:label="lab_san_TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Effect Of Expense Not Deductible And Other In Determining Taxable Profit (Tax Loss)</link:label>
    <link:label id="lab_san_TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss_documentation_en-US" xlink:label="lab_san_TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax Effect Of Expense Not Deductible And Other In Determining Taxable Profit (Tax Loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss" xlink:href="san-20251231.xsd#san_TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss" xlink:to="lab_san_TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_san_JuanCarlosBarrabesConsulMember_019ca0fb-cad3-7376-9460-c3bd3979d850_terseLabel_en-US" xlink:label="lab_san_JuanCarlosBarrabesConsulMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carlos Barrab&#233;s</link:label>
    <link:label id="lab_san_JuanCarlosBarrabesConsulMember_label_en-US" xlink:label="lab_san_JuanCarlosBarrabesConsulMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Juan Carlos Barrab&#233;s C&#243;nsul [Member]</link:label>
    <link:label id="lab_san_JuanCarlosBarrabesConsulMember_documentation_en-US" xlink:label="lab_san_JuanCarlosBarrabesConsulMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Juan Carlos Barrab&#233;s C&#243;nsul</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_JuanCarlosBarrabesConsulMember" xlink:href="san-20251231.xsd#san_JuanCarlosBarrabesConsulMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_JuanCarlosBarrabesConsulMember" xlink:to="lab_san_JuanCarlosBarrabesConsulMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughAppropriationOfRetainedEarnings_019ca0fb-cb6b-73aa-b672-e1286ad23873_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughAppropriationOfRetainedEarnings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">To voluntary reserves</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughAppropriationOfRetainedEarnings_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughAppropriationOfRetainedEarnings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) through appropriation of retained earnings, equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughAppropriationOfRetainedEarnings" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseDecreaseThroughAppropriationOfRetainedEarnings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughAppropriationOfRetainedEarnings" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughAppropriationOfRetainedEarnings" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AssetsAndLiabilitiesDomain_019ca0fb-ca4e-7c1a-99e5-b36f5586a57e_terseLabel_en-US" xlink:label="lab_ifrs-full_AssetsAndLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets and liabilities [domain]</link:label>
    <link:label id="lab_ifrs-full_AssetsAndLiabilitiesDomain_label_en-US" xlink:label="lab_ifrs-full_AssetsAndLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets and liabilities [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AssetsAndLiabilitiesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AssetsAndLiabilitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AssetsAndLiabilitiesDomain" xlink:to="lab_ifrs-full_AssetsAndLiabilitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LegalProceedingsNumberOfSonsInvolvedInTestamentaryTrust_019ca0fb-cc70-7a6a-8143-a1b054f53534_terseLabel_en-US" xlink:label="lab_san_LegalProceedingsNumberOfSonsInvolvedInTestamentaryTrust" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount of sons involved in testamentary trust</link:label>
    <link:label id="lab_san_LegalProceedingsNumberOfSonsInvolvedInTestamentaryTrust_label_en-US" xlink:label="lab_san_LegalProceedingsNumberOfSonsInvolvedInTestamentaryTrust" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal Proceedings, Number Of Sons Involved In Testamentary Trust</link:label>
    <link:label id="lab_san_LegalProceedingsNumberOfSonsInvolvedInTestamentaryTrust_documentation_en-US" xlink:label="lab_san_LegalProceedingsNumberOfSonsInvolvedInTestamentaryTrust" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Legal Proceedings, Number Of Sons Involved In Testamentary Trust</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LegalProceedingsNumberOfSonsInvolvedInTestamentaryTrust" xlink:href="san-20251231.xsd#san_LegalProceedingsNumberOfSonsInvolvedInTestamentaryTrust"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LegalProceedingsNumberOfSonsInvolvedInTestamentaryTrust" xlink:to="lab_san_LegalProceedingsNumberOfSonsInvolvedInTestamentaryTrust" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForeignExchangeSwapMember_019ca0fb-cb6b-7658-baab-14da9c211992_terseLabel_en-US" xlink:label="lab_san_ForeignExchangeSwapMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fx Swap</link:label>
    <link:label id="lab_san_ForeignExchangeSwapMember_label_en-US" xlink:label="lab_san_ForeignExchangeSwapMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign Exchange Swap [Member]</link:label>
    <link:label id="lab_san_ForeignExchangeSwapMember_documentation_en-US" xlink:label="lab_san_ForeignExchangeSwapMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Foreign Exchange Swap</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForeignExchangeSwapMember" xlink:href="san-20251231.xsd#san_ForeignExchangeSwapMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForeignExchangeSwapMember" xlink:to="lab_san_ForeignExchangeSwapMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IFRSLTVLessThan80PercentMember_019ca0fb-cad3-7c01-ac21-6474d95b2fb0_terseLabel_en-US" xlink:label="lab_san_IFRSLTVLessThan80PercentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Less than 80%</link:label>
    <link:label id="lab_san_IFRSLTVLessThan80PercentMember_label_en-US" xlink:label="lab_san_IFRSLTVLessThan80PercentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS LTV Less Than 80 Percent [Member]</link:label>
    <link:label id="lab_san_IFRSLTVLessThan80PercentMember_documentation_en-US" xlink:label="lab_san_IFRSLTVLessThan80PercentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan-to-value (LTV) ratio less than 80%. Element name and standard label in LTV Greater Than [low end numeric value] Percent [Member] or LTV Less Than [high end numeric value] Percent [Member] formats.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IFRSLTVLessThan80PercentMember" xlink:href="san-20251231.xsd#san_IFRSLTVLessThan80PercentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IFRSLTVLessThan80PercentMember" xlink:to="lab_san_IFRSLTVLessThan80PercentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedCashFlowStatementTable_019ca0fb-c9cd-7a55-857b-e65cceaa7d34_terseLabel_en-US" xlink:label="lab_srt_CondensedCashFlowStatementTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Cash Flow Statement [Table]</link:label>
    <link:label id="lab_srt_CondensedCashFlowStatementTable_label_en-US" xlink:label="lab_srt_CondensedCashFlowStatementTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Cash Flow Statement [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedCashFlowStatementTable" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CondensedCashFlowStatementTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedCashFlowStatementTable" xlink:to="lab_srt_CondensedCashFlowStatementTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansAndLeasesNet_019ca0fb-cb6b-7303-bd33-4c5778c8034b_verboseLabel_en-US" xlink:label="lab_san_LoansAndLeasesNet" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net loans and leases</link:label>
    <link:label id="lab_san_LoansAndLeasesNet_label_en-US" xlink:label="lab_san_LoansAndLeasesNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans And Leases, Net</link:label>
    <link:label id="lab_san_LoansAndLeasesNet_documentation_en-US" xlink:label="lab_san_LoansAndLeasesNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans And Leases, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansAndLeasesNet" xlink:href="san-20251231.xsd#san_LoansAndLeasesNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansAndLeasesNet" xlink:to="lab_san_LoansAndLeasesNet" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember_019ca0fb-cbee-793d-8445-18636f741d84_verboseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">2028</link:label>
    <link:label id="lab_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember_019ca0fb-cbee-76e4-ab60-e84aca97aa83_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2 to 3 years</link:label>
    <link:label id="lab_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Later than two years and not later than three years [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember" xlink:to="lab_ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashAndCashEquivalentsAbstract_019ca0fb-cad3-7f5d-af4f-bea0af8d7e31_terseLabel_en-US" xlink:label="lab_ifrs-full_CashAndCashEquivalentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">COMPONENTS OF CASH AND CASH EQUIVALENTS AT END OF THE YEAR</link:label>
    <link:label id="lab_ifrs-full_CashAndCashEquivalentsAbstract_label_en-US" xlink:label="lab_ifrs-full_CashAndCashEquivalentsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashAndCashEquivalentsAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CashAndCashEquivalentsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashAndCashEquivalentsAbstract" xlink:to="lab_ifrs-full_CashAndCashEquivalentsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_019ca0fb-c9cd-7a48-a648-7cf18a5b9da0_negatedLabel_en-US" xlink:label="lab_ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Gross amount of financial liabilities offset in the balance sheet</link:label>
    <link:label id="lab_ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_label_en-US" xlink:label="lab_ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gross financial assets set off against financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:to="lab_ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LiquidityRiskNumberOfStandardScenariosDefined_019ca0fb-cbee-7338-9942-3d952ccb19e3_terseLabel_en-US" xlink:label="lab_san_LiquidityRiskNumberOfStandardScenariosDefined" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of standard scenarios defined</link:label>
    <link:label id="lab_san_LiquidityRiskNumberOfStandardScenariosDefined_label_en-US" xlink:label="lab_san_LiquidityRiskNumberOfStandardScenariosDefined" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liquidity Risk, Number Of Standard Scenarios Defined</link:label>
    <link:label id="lab_san_LiquidityRiskNumberOfStandardScenariosDefined_documentation_en-US" xlink:label="lab_san_LiquidityRiskNumberOfStandardScenariosDefined" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Liquidity Risk, Number Of Standard Scenarios Defined</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LiquidityRiskNumberOfStandardScenariosDefined" xlink:href="san-20251231.xsd#san_LiquidityRiskNumberOfStandardScenariosDefined"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LiquidityRiskNumberOfStandardScenariosDefined" xlink:to="lab_san_LiquidityRiskNumberOfStandardScenariosDefined" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory_019ca0fb-cad3-7ea2-a135-4085e8de6235_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement of financial assets and liabilities and recognition of fair value changes</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description of accounting policy for fair value measurement [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory" xlink:to="lab_ifrs-full_DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TierOneContingentlyConvertiblePreferredSecuritiesMember_019ca0fb-cb6b-72d4-8ebf-36fb1f0cd28d_terseLabel_en-US" xlink:label="lab_san_TierOneContingentlyConvertiblePreferredSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tier 1 Contingently Convertible Preferred Securities</link:label>
    <link:label id="lab_san_TierOneContingentlyConvertiblePreferredSecuritiesMember_label_en-US" xlink:label="lab_san_TierOneContingentlyConvertiblePreferredSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tier One Contingently Convertible Preferred Securities [Member]</link:label>
    <link:label id="lab_san_TierOneContingentlyConvertiblePreferredSecuritiesMember_documentation_en-US" xlink:label="lab_san_TierOneContingentlyConvertiblePreferredSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tier One Contingently Convertible Preferred Securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TierOneContingentlyConvertiblePreferredSecuritiesMember" xlink:href="san-20251231.xsd#san_TierOneContingentlyConvertiblePreferredSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TierOneContingentlyConvertiblePreferredSecuritiesMember" xlink:to="lab_san_TierOneContingentlyConvertiblePreferredSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex_019ca0fb-ca4e-7f8c-86f6-7033fcd671c2_terseLabel_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in provision assuming 100bp decrease in Manheim index (as a percent)</link:label>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex_label_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percent Change In Provision Assuming 100 Basis Point Decrease In Manheim Index</link:label>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex_documentation_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percent Change In Provision Assuming 100 Basis Point Decrease In Manheim Index</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex" xlink:href="san-20251231.xsd#san_PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex" xlink:to="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LandLoansMember_019ca0fb-ca4e-7654-b795-8b702f330a2d_terseLabel_en-US" xlink:label="lab_san_LandLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Land</link:label>
    <link:label id="lab_san_LandLoansMember_label_en-US" xlink:label="lab_san_LandLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Land Loans [Member]</link:label>
    <link:label id="lab_san_LandLoansMember_documentation_en-US" xlink:label="lab_san_LandLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for construction and property development loans related to land.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LandLoansMember" xlink:href="san-20251231.xsd#san_LandLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LandLoansMember" xlink:to="lab_san_LandLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseDueToChangesInPresentationMember_019d255f-1baa-76d1-9b8d-b4b291370684_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseDueToChangesInPresentationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) due to changes in presentation</link:label>
    <link:label id="lab_san_IncreaseDecreaseDueToChangesInPresentationMember_label_en-US" xlink:label="lab_san_IncreaseDecreaseDueToChangesInPresentationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Due To Changes In Presentation [Member]</link:label>
    <link:label id="lab_san_IncreaseDecreaseDueToChangesInPresentationMember_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseDueToChangesInPresentationMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Due To Changes In Presentation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseDueToChangesInPresentationMember" xlink:href="san-20251231.xsd#san_IncreaseDecreaseDueToChangesInPresentationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseDueToChangesInPresentationMember" xlink:to="lab_san_IncreaseDecreaseDueToChangesInPresentationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanFifthSeventhEighthNinthTenthAndEleventhCycles20152017201820192020And2021Member_019ca0fb-c94e-7615-8ca1-8c700116413b_terseLabel_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanFifthSeventhEighthNinthTenthAndEleventhCycles20152017201820192020And2021Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred conditional variable remuneration plan fifth, seventh, eighth, ninth, tenth, and eleventh cycles</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanFifthSeventhEighthNinthTenthAndEleventhCycles20152017201820192020And2021Member_label_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanFifthSeventhEighthNinthTenthAndEleventhCycles20152017201820192020And2021Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan Fifth, Seventh, Eighth, Ninth, Tenth, And Eleventh Cycles 2015, 2017, 2018, 2019, 2020 And 2021 [Member]</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanFifthSeventhEighthNinthTenthAndEleventhCycles20152017201820192020And2021Member_documentation_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanFifthSeventhEighthNinthTenthAndEleventhCycles20152017201820192020And2021Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan Fifth, Seventh, Eighth, Ninth, Tenth, And Eleventh Cycles 2015, 2017, 2018, 2019, 2020 And 2021</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredConditionalVariableRemunerationPlanFifthSeventhEighthNinthTenthAndEleventhCycles20152017201820192020And2021Member" xlink:href="san-20251231.xsd#san_DeferredConditionalVariableRemunerationPlanFifthSeventhEighthNinthTenthAndEleventhCycles20152017201820192020And2021Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredConditionalVariableRemunerationPlanFifthSeventhEighthNinthTenthAndEleventhCycles20152017201820192020And2021Member" xlink:to="lab_san_DeferredConditionalVariableRemunerationPlanFifthSeventhEighthNinthTenthAndEleventhCycles20152017201820192020And2021Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MortgagePortfolioMember_019ca0fb-cb6b-7a10-8215-3358f5681926_terseLabel_en-US" xlink:label="lab_san_MortgagePortfolioMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage portfolio</link:label>
    <link:label id="lab_san_MortgagePortfolioMember_label_en-US" xlink:label="lab_san_MortgagePortfolioMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Portfolio [Member]</link:label>
    <link:label id="lab_san_MortgagePortfolioMember_documentation_en-US" xlink:label="lab_san_MortgagePortfolioMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Portfolio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MortgagePortfolioMember" xlink:href="san-20251231.xsd#san_MortgagePortfolioMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MortgagePortfolioMember" xlink:to="lab_san_MortgagePortfolioMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TreasurySharesNumberOfSharesAmortized_019ca0fb-ca4e-78a7-8d1d-00270f252ace_terseLabel_en-US" xlink:label="lab_san_TreasurySharesNumberOfSharesAmortized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Treasury shares, number of shares amortized (in shares)</link:label>
    <link:label id="lab_san_TreasurySharesNumberOfSharesAmortized_label_en-US" xlink:label="lab_san_TreasurySharesNumberOfSharesAmortized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Shares, Number Of Shares Amortized</link:label>
    <link:label id="lab_san_TreasurySharesNumberOfSharesAmortized_documentation_en-US" xlink:label="lab_san_TreasurySharesNumberOfSharesAmortized" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Treasury Shares, Number Of Shares Amortized</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TreasurySharesNumberOfSharesAmortized" xlink:href="san-20251231.xsd#san_TreasurySharesNumberOfSharesAmortized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TreasurySharesNumberOfSharesAmortized" xlink:to="lab_san_TreasurySharesNumberOfSharesAmortized" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OpenbankEuropeMember_019ca0fb-cb6b-7254-a4f4-0e78f2418fba_terseLabel_en-US" xlink:label="lab_san_OpenbankEuropeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Openbank Europe</link:label>
    <link:label id="lab_san_OpenbankEuropeMember_label_en-US" xlink:label="lab_san_OpenbankEuropeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Openbank Europe [Member]</link:label>
    <link:label id="lab_san_OpenbankEuropeMember_documentation_en-US" xlink:label="lab_san_OpenbankEuropeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Openbank Europe, formerly Digital Consumer Bank Europe</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OpenbankEuropeMember" xlink:href="san-20251231.xsd#san_OpenbankEuropeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OpenbankEuropeMember" xlink:to="lab_san_OpenbankEuropeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AppointmentsCommitteeChairmanMember_019ca0fb-c94e-75a4-8a77-38d3e63e3993_terseLabel_en-US" xlink:label="lab_san_AppointmentsCommitteeChairmanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Chair of the appointments committee</link:label>
    <link:label id="lab_san_AppointmentsCommitteeChairmanMember_label_en-US" xlink:label="lab_san_AppointmentsCommitteeChairmanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Appointments Committee, Chairman [Member]</link:label>
    <link:label id="lab_san_AppointmentsCommitteeChairmanMember_documentation_en-US" xlink:label="lab_san_AppointmentsCommitteeChairmanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the person serving as chairman of the appointments committee of the board of directors.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AppointmentsCommitteeChairmanMember" xlink:href="san-20251231.xsd#san_AppointmentsCommitteeChairmanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AppointmentsCommitteeChairmanMember" xlink:to="lab_san_AppointmentsCommitteeChairmanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_StatementOfChangesInEquityLineItems_019ca0fb-cbee-7deb-9e5e-a02fee3ea095_terseLabel_en-US" xlink:label="lab_ifrs-full_StatementOfChangesInEquityLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement of changes in equity [line items]</link:label>
    <link:label id="lab_ifrs-full_StatementOfChangesInEquityLineItems_label_en-US" xlink:label="lab_ifrs-full_StatementOfChangesInEquityLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of changes in equity [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_StatementOfChangesInEquityLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_StatementOfChangesInEquityLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_StatementOfChangesInEquityLineItems" xlink:to="lab_ifrs-full_StatementOfChangesInEquityLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VoluntarySharesaveSchemeMonthlyEmployeeContributions_019ca0fb-cc70-7160-a06a-499e8ef7a4ad_terseLabel_en-US" xlink:label="lab_san_VoluntarySharesaveSchemeMonthlyEmployeeContributions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Employee contributions deducted from their net monthly pay</link:label>
    <link:label id="lab_san_VoluntarySharesaveSchemeMonthlyEmployeeContributions_label_en-US" xlink:label="lab_san_VoluntarySharesaveSchemeMonthlyEmployeeContributions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Voluntary Sharesave Scheme Monthly Employee Contributions</link:label>
    <link:label id="lab_san_VoluntarySharesaveSchemeMonthlyEmployeeContributions_documentation_en-US" xlink:label="lab_san_VoluntarySharesaveSchemeMonthlyEmployeeContributions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the employee contributions deducted from their net monthly pay for the voluntary Sharesave Scheme.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VoluntarySharesaveSchemeMonthlyEmployeeContributions" xlink:href="san-20251231.xsd#san_VoluntarySharesaveSchemeMonthlyEmployeeContributions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VoluntarySharesaveSchemeMonthlyEmployeeContributions" xlink:to="lab_san_VoluntarySharesaveSchemeMonthlyEmployeeContributions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PortfolioAndOtherManagementFeeIncomeInsurance_019ca0fb-cad3-7403-bb59-d442c084c575_terseLabel_en-US" xlink:label="lab_san_PortfolioAndOtherManagementFeeIncomeInsurance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurance</link:label>
    <link:label id="lab_san_PortfolioAndOtherManagementFeeIncomeInsurance_label_en-US" xlink:label="lab_san_PortfolioAndOtherManagementFeeIncomeInsurance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Portfolio And Other Management Fee Income, Insurance</link:label>
    <link:label id="lab_san_PortfolioAndOtherManagementFeeIncomeInsurance_documentation_en-US" xlink:label="lab_san_PortfolioAndOtherManagementFeeIncomeInsurance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of income recognised from portfolio and other management fees from insurance.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PortfolioAndOtherManagementFeeIncomeInsurance" xlink:href="san-20251231.xsd#san_PortfolioAndOtherManagementFeeIncomeInsurance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PortfolioAndOtherManagementFeeIncomeInsurance" xlink:to="lab_san_PortfolioAndOtherManagementFeeIncomeInsurance" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EuroAndAustralianDollarMember_019ca0fb-c9cd-7817-bf92-806a9e1366d8_terseLabel_en-US" xlink:label="lab_san_EuroAndAustralianDollarMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">EUR/AUD</link:label>
    <link:label id="lab_san_EuroAndAustralianDollarMember_label_en-US" xlink:label="lab_san_EuroAndAustralianDollarMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Euro And Australian Dollar [Member]</link:label>
    <link:label id="lab_san_EuroAndAustralianDollarMember_documentation_en-US" xlink:label="lab_san_EuroAndAustralianDollarMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Euro And Australian Dollar</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EuroAndAustralianDollarMember" xlink:href="san-20251231.xsd#san_EuroAndAustralianDollarMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EuroAndAustralianDollarMember" xlink:to="lab_san_EuroAndAustralianDollarMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AnaBotinSanzDeSautuolaYOSheaMember_019ca0fb-cbee-76cb-bd6f-a6162a5bf873_terseLabel_en-US" xlink:label="lab_san_AnaBotinSanzDeSautuolaYOSheaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ana Bot&#237;n</link:label>
    <link:label id="lab_san_AnaBotinSanzDeSautuolaYOSheaMember_019ca0fb-cbee-76af-9840-4cfe2beb4a5b_verboseLabel_en-US" xlink:label="lab_san_AnaBotinSanzDeSautuolaYOSheaMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Ana Bot&#237;n</link:label>
    <link:label id="lab_san_AnaBotinSanzDeSautuolaYOSheaMember_label_en-US" xlink:label="lab_san_AnaBotinSanzDeSautuolaYOSheaMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Ana Botin-Sanz de Sautuola y O'Shea [Member]</link:label>
    <link:label id="lab_san_AnaBotinSanzDeSautuolaYOSheaMember_documentation_en-US" xlink:label="lab_san_AnaBotinSanzDeSautuolaYOSheaMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The member that represents an individual key personnel named Ana Botin-Sanz de Sautuola y O'Shea.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AnaBotinSanzDeSautuolaYOSheaMember" xlink:href="san-20251231.xsd#san_AnaBotinSanzDeSautuolaYOSheaMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AnaBotinSanzDeSautuolaYOSheaMember" xlink:to="lab_san_AnaBotinSanzDeSautuolaYOSheaMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations_019ca0fb-cb6b-7b3f-8917-f4e6ec4934c9_terseLabel_en-US" xlink:label="lab_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basic earnings (loss) per share from continuing operations (in euro per share)</link:label>
    <link:label id="lab_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations_label_en-US" xlink:label="lab_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Basic earnings (loss) per share from continuing operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_BasicEarningsLossPerShareFromContinuingOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations" xlink:to="lab_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InterestExpenseOnDebtInstrumentsIssuedMarketableDebtSecurities_019ca0fb-ca4e-7e93-a498-ce7c443617b7_terseLabel_en-US" xlink:label="lab_san_InterestExpenseOnDebtInstrumentsIssuedMarketableDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Marketable debt securities</link:label>
    <link:label id="lab_san_InterestExpenseOnDebtInstrumentsIssuedMarketableDebtSecurities_label_en-US" xlink:label="lab_san_InterestExpenseOnDebtInstrumentsIssuedMarketableDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense On Debt Instruments Issued Marketable Securities</link:label>
    <link:label id="lab_san_InterestExpenseOnDebtInstrumentsIssuedMarketableDebtSecurities_documentation_en-US" xlink:label="lab_san_InterestExpenseOnDebtInstrumentsIssuedMarketableDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of interest expense on debt instruments issued as marketable debt securities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InterestExpenseOnDebtInstrumentsIssuedMarketableDebtSecurities" xlink:href="san-20251231.xsd#san_InterestExpenseOnDebtInstrumentsIssuedMarketableDebtSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InterestExpenseOnDebtInstrumentsIssuedMarketableDebtSecurities" xlink:to="lab_san_InterestExpenseOnDebtInstrumentsIssuedMarketableDebtSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceBySantanderUKPLCInFebruary1996Member_019ca0fb-cc70-70c3-a458-abafb82b92ea_terseLabel_en-US" xlink:label="lab_san_IssuanceBySantanderUKPLCInFebruary1996Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander UK plc, February 1996</link:label>
    <link:label id="lab_san_IssuanceBySantanderUKPLCInFebruary1996Member_label_en-US" xlink:label="lab_san_IssuanceBySantanderUKPLCInFebruary1996Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Santander UK PLC In February 1996 [Member]</link:label>
    <link:label id="lab_san_IssuanceBySantanderUKPLCInFebruary1996Member_documentation_en-US" xlink:label="lab_san_IssuanceBySantanderUKPLCInFebruary1996Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to issuance of preference shares or preferred securities by Santander UK PLC In February 1996.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceBySantanderUKPLCInFebruary1996Member" xlink:href="san-20251231.xsd#san_IssuanceBySantanderUKPLCInFebruary1996Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceBySantanderUKPLCInFebruary1996Member" xlink:to="lab_san_IssuanceBySantanderUKPLCInFebruary1996Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DebtInstrumentsIssuedByPublicSectorMember_019ca0fb-ca4e-7643-a125-da77bf98fb76_terseLabel_en-US" xlink:label="lab_san_DebtInstrumentsIssuedByPublicSectorMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issued by Public-sector</link:label>
    <link:label id="lab_san_DebtInstrumentsIssuedByPublicSectorMember_label_en-US" xlink:label="lab_san_DebtInstrumentsIssuedByPublicSectorMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instruments Issued By Public Sector [Member]</link:label>
    <link:label id="lab_san_DebtInstrumentsIssuedByPublicSectorMember_documentation_en-US" xlink:label="lab_san_DebtInstrumentsIssuedByPublicSectorMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for instruments issued by governments or central banks held by the entity that represent indebtedness.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DebtInstrumentsIssuedByPublicSectorMember" xlink:href="san-20251231.xsd#san_DebtInstrumentsIssuedByPublicSectorMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DebtInstrumentsIssuedByPublicSectorMember" xlink:to="lab_san_DebtInstrumentsIssuedByPublicSectorMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfGoodwillOfMainInvestmentsInJointVenturesAndAssociatesTableTextBlock_019ca0fb-cbee-76c4-bf68-e74ad32baee8_terseLabel_en-US" xlink:label="lab_san_DisclosureOfGoodwillOfMainInvestmentsInJointVenturesAndAssociatesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of goodwill of the main investments in joint ventures and associates</link:label>
    <link:label id="lab_san_DisclosureOfGoodwillOfMainInvestmentsInJointVenturesAndAssociatesTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfGoodwillOfMainInvestmentsInJointVenturesAndAssociatesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Goodwill Of Main Investments In Joint Ventures And Associates [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfGoodwillOfMainInvestmentsInJointVenturesAndAssociatesTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfGoodwillOfMainInvestmentsInJointVenturesAndAssociatesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Goodwill Of Main Investments In Joint Ventures And Associates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfGoodwillOfMainInvestmentsInJointVenturesAndAssociatesTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfGoodwillOfMainInvestmentsInJointVenturesAndAssociatesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfGoodwillOfMainInvestmentsInJointVenturesAndAssociatesTableTextBlock" xlink:to="lab_san_DisclosureOfGoodwillOfMainInvestmentsInJointVenturesAndAssociatesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax_019ca0fb-c94e-72b1-88b2-e7541db7f377_terseLabel_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other reclassifications</link:label>
    <link:label id="lab_san_OtherReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax_label_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income, Before Tax</link:label>
    <link:label id="lab_san_OtherReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax_documentation_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income, Before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:href="san-20251231.xsd#san_OtherReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:to="lab_san_OtherReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill_019ca0fb-cb6b-7e50-bf46-aaaf37b1a8e6_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchange differences and other items</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) through net exchange differences, goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfGeographicalAreasTable_019ca0fb-cbee-741f-a457-419ec5856647_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfGeographicalAreasTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of geographical areas [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfGeographicalAreasTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfGeographicalAreasTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of geographical areas [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfGeographicalAreasTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfGeographicalAreasTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfGeographicalAreasTable" xlink:to="lab_ifrs-full_DisclosureOfGeographicalAreasTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanEighthCycleMember_019ca0fb-cbee-7e1b-a35f-2a54b8ab542d_terseLabel_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanEighthCycleMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred Multiyear Objectives Variable Remuneration Plan Eighth Cycle</link:label>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanEighthCycleMember_label_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanEighthCycleMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Multiyear Objectives Variable Remuneration Plan Eighth Cycle [Member]</link:label>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanEighthCycleMember_documentation_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanEighthCycleMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Multiyear Objectives Variable Remuneration Plan Eighth Cycle</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredMultiyearObjectivesVariableRemunerationPlanEighthCycleMember" xlink:href="san-20251231.xsd#san_DeferredMultiyearObjectivesVariableRemunerationPlanEighthCycleMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredMultiyearObjectivesVariableRemunerationPlanEighthCycleMember" xlink:to="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanEighthCycleMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInShares_019ca0fb-cc70-7647-88be-79adf0780237_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred payment, percentage paid in shares</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInShares_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Percentage Paid In Shares</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInShares_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage of an award granted under a variable remuneration deferred payment plan paid in shares.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentPercentagePaidInShares" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentPercentagePaidInShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentPercentagePaidInShares" xlink:to="lab_san_VariableRemunerationDeferredPaymentPercentagePaidInShares" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_StatementOfFinancialPositionAbstract_019ca0fb-c94e-71af-a63f-478b6ed37d80_terseLabel_en-US" xlink:label="lab_ifrs-full_StatementOfFinancialPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement of financial position [abstract]</link:label>
    <link:label id="lab_ifrs-full_StatementOfFinancialPositionAbstract_019ca0fb-c94e-72ca-aa81-cde25029fbef_verboseLabel_en-US" xlink:label="lab_ifrs-full_StatementOfFinancialPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Balance sheet (condensed)</link:label>
    <link:label id="lab_ifrs-full_StatementOfFinancialPositionAbstract_label_en-US" xlink:label="lab_ifrs-full_StatementOfFinancialPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of financial position [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_StatementOfFinancialPositionAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_StatementOfFinancialPositionAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_StatementOfFinancialPositionAbstract" xlink:to="lab_ifrs-full_StatementOfFinancialPositionAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfInterestExpenseExplanatory_019ca0fb-cc70-7499-a895-ec3dde4628c0_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfInterestExpenseExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest expense</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfInterestExpenseExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfInterestExpenseExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of interest expense [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfInterestExpenseExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfInterestExpenseExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfInterestExpenseExplanatory" xlink:to="lab_ifrs-full_DisclosureOfInterestExpenseExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfDiscontinuedOperationsExplanatory_019ca0fb-c9cd-72df-b7b5-453e8195b5a5_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfDiscontinuedOperationsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discontinued operations</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfDiscontinuedOperationsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfDiscontinuedOperationsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of discontinued operations [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfDiscontinuedOperationsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfDiscontinuedOperationsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfDiscontinuedOperationsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfDiscontinuedOperationsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherOperatingIncomeExpense_019ca0fb-cbee-7714-9f8b-e68e1697577e_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherOperatingIncomeExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other operating results</link:label>
    <link:label id="lab_ifrs-full_OtherOperatingIncomeExpense_019ca0fb-cbee-71e8-b349-f9d4736be917_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherOperatingIncomeExpense" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total other operating income and expenses</link:label>
    <link:label id="lab_ifrs-full_OtherOperatingIncomeExpense_label_en-US" xlink:label="lab_ifrs-full_OtherOperatingIncomeExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other operating income (expense)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherOperatingIncomeExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherOperatingIncomeExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherOperatingIncomeExpense" xlink:to="lab_ifrs-full_OtherOperatingIncomeExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InterestExpenseOnOtherFinancialLiabilities_019ca0fb-cad3-7e4e-b646-9457f6146915_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestExpenseOnOtherFinancialLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other interest expense</link:label>
    <link:label id="lab_ifrs-full_InterestExpenseOnOtherFinancialLiabilities_label_en-US" xlink:label="lab_ifrs-full_InterestExpenseOnOtherFinancialLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest expense on other financial liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestExpenseOnOtherFinancialLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InterestExpenseOnOtherFinancialLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestExpenseOnOtherFinancialLiabilities" xlink:to="lab_ifrs-full_InterestExpenseOnOtherFinancialLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CoverAbstract_label_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cover [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CoverAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CoverAbstract" xlink:to="lab_dei_CoverAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_MaximumMember_019ca0fb-cad2-7942-82d6-4b3d90bc3656_terseLabel_en-US" xlink:label="lab_srt_MaximumMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum</link:label>
    <link:label id="lab_srt_MaximumMember_label_en-US" xlink:label="lab_srt_MaximumMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MaximumMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_MaximumMember" xlink:to="lab_srt_MaximumMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DividendsPaidToNoncontrollingInterests_019ca0fb-cad3-737d-b1db-43760cea8bef_negatedLabel_en-US" xlink:label="lab_ifrs-full_DividendsPaidToNoncontrollingInterests" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Dividends paid to minority shareholders</link:label>
    <link:label id="lab_ifrs-full_DividendsPaidToNoncontrollingInterests_label_en-US" xlink:label="lab_ifrs-full_DividendsPaidToNoncontrollingInterests" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends paid to non-controlling interests</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DividendsPaidToNoncontrollingInterests" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DividendsPaidToNoncontrollingInterests"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DividendsPaidToNoncontrollingInterests" xlink:to="lab_ifrs-full_DividendsPaidToNoncontrollingInterests" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DecreeLaw92024Member_019ca0fb-c94d-7a03-80a9-cd828f2b4da4_terseLabel_en-US" xlink:label="lab_san_DecreeLaw92024Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Decree-Law 9/2024</link:label>
    <link:label id="lab_san_DecreeLaw92024Member_label_en-US" xlink:label="lab_san_DecreeLaw92024Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decree-Law 9/2024 [Member]</link:label>
    <link:label id="lab_san_DecreeLaw92024Member_documentation_en-US" xlink:label="lab_san_DecreeLaw92024Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Decree-Law 9/2024</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DecreeLaw92024Member" xlink:href="san-20251231.xsd#san_DecreeLaw92024Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DecreeLaw92024Member" xlink:to="lab_san_DecreeLaw92024Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DefinedBenefitPlansAxis_019ca0fb-ca4e-7bbf-ace7-04196a808ac6_terseLabel_en-US" xlink:label="lab_ifrs-full_DefinedBenefitPlansAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined benefit plans [axis]</link:label>
    <link:label id="lab_ifrs-full_DefinedBenefitPlansAxis_label_en-US" xlink:label="lab_ifrs-full_DefinedBenefitPlansAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined benefit plans [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DefinedBenefitPlansAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DefinedBenefitPlansAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DefinedBenefitPlansAxis" xlink:to="lab_ifrs-full_DefinedBenefitPlansAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ReservesOfSubsidiariesRestricted_019ca0fb-cad2-7b63-b4e1-2eb3e550eb50_terseLabel_en-US" xlink:label="lab_san_ReservesOfSubsidiariesRestricted" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restricted portion of reserves of subsidiaries</link:label>
    <link:label id="lab_san_ReservesOfSubsidiariesRestricted_label_en-US" xlink:label="lab_san_ReservesOfSubsidiariesRestricted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reserves Of Subsidiaries, Restricted</link:label>
    <link:label id="lab_san_ReservesOfSubsidiariesRestricted_documentation_en-US" xlink:label="lab_san_ReservesOfSubsidiariesRestricted" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A component of equity representing the portion of reserves for subsidiaries restricted as to usage.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ReservesOfSubsidiariesRestricted" xlink:href="san-20251231.xsd#san_ReservesOfSubsidiariesRestricted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ReservesOfSubsidiariesRestricted" xlink:to="lab_san_ReservesOfSubsidiariesRestricted" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentCET1ObjectiveTarget_019ca0fb-c94e-7ef6-a6f5-d4a9d710a453_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentCET1ObjectiveTarget" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CET objective, target</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentCET1ObjectiveTarget_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentCET1ObjectiveTarget" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, CET1 Objective, Target</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentCET1ObjectiveTarget_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentCET1ObjectiveTarget" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, CET1 Objective, Target</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentCET1ObjectiveTarget" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentCET1ObjectiveTarget"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentCET1ObjectiveTarget" xlink:to="lab_san_VariableRemunerationDeferredPaymentCET1ObjectiveTarget" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfInsuranceContractsLinkedToPensionsTextBlock_019ca0fb-cb6b-714b-8eab-b324524c44b3_terseLabel_en-US" xlink:label="lab_san_DisclosureOfInsuranceContractsLinkedToPensionsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurance contracts linked to pensions</link:label>
    <link:label id="lab_san_DisclosureOfInsuranceContractsLinkedToPensionsTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfInsuranceContractsLinkedToPensionsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Insurance Contracts Linked To Pensions [Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfInsuranceContractsLinkedToPensionsTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfInsuranceContractsLinkedToPensionsTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of insurance contracts linked to pensions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfInsuranceContractsLinkedToPensionsTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfInsuranceContractsLinkedToPensionsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfInsuranceContractsLinkedToPensionsTextBlock" xlink:to="lab_san_DisclosureOfInsuranceContractsLinkedToPensionsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTableTextBlock_019ca0fb-c9cd-7bb1-8b21-30809068ebd7_terseLabel_en-US" xlink:label="lab_san_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of regulatory capital</link:label>
    <link:label id="lab_san_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTableTextBlock_label_en-US" xlink:label="lab_san_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Compliance With Regulatory Capital Requirements Under Banking Regulations [Table Text Block]</link:label>
    <link:label id="lab_san_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTableTextBlock_documentation_en-US" xlink:label="lab_san_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTableTextBlock" xlink:href="san-20251231.xsd#san_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTableTextBlock" xlink:to="lab_san_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_A2024ProgramSecondMember_019ca0fb-c9cd-79c6-a90f-3ae0f2dc511d_terseLabel_en-US" xlink:label="lab_san_A2024ProgramSecondMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2024 Program, Second</link:label>
    <link:label id="lab_san_A2024ProgramSecondMember_label_en-US" xlink:label="lab_san_A2024ProgramSecondMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">2024 Program, Second [Member]</link:label>
    <link:label id="lab_san_A2024ProgramSecondMember_documentation_en-US" xlink:label="lab_san_A2024ProgramSecondMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">2024 Program, Second</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_A2024ProgramSecondMember" xlink:href="san-20251231.xsd#san_A2024ProgramSecondMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_A2024ProgramSecondMember" xlink:to="lab_san_A2024ProgramSecondMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts_019ca0fb-cb6b-7cd8-9d76-587b19daf50f_terseLabel_en-US" xlink:label="lab_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">MEMORANDUM ITEMS: OFF BALANCE SHEET AMOUNTS</link:label>
    <link:label id="lab_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts_019ca0fb-cb6b-71e8-a2cb-97d71369e677_verboseLabel_en-US" xlink:label="lab_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Exposure to credit risk on loan and credits and guarantees</link:label>
    <link:label id="lab_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts_019ca0fb-cb6b-79a5-9a07-2855fd83cc79_netLabel_en-US" xlink:label="lab_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Exposure to credit risk on loan commitments and financial guarantee contracts</link:label>
    <link:label id="lab_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts_label_en-US" xlink:label="lab_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Exposure to credit risk on loan commitments and financial guarantee contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" xlink:to="lab_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RestOfRealGuaranteesMember_019ca0fb-ca4d-7b50-84e9-e20ea15c375f_terseLabel_en-US" xlink:label="lab_san_RestOfRealGuaranteesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rest of real guarantees</link:label>
    <link:label id="lab_san_RestOfRealGuaranteesMember_label_en-US" xlink:label="lab_san_RestOfRealGuaranteesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Rest Of Real Guarantees [Member]</link:label>
    <link:label id="lab_san_RestOfRealGuaranteesMember_documentation_en-US" xlink:label="lab_san_RestOfRealGuaranteesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the rest of real guarantees. Excludes real estate guarantees.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RestOfRealGuaranteesMember" xlink:href="san-20251231.xsd#san_RestOfRealGuaranteesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RestOfRealGuaranteesMember" xlink:to="lab_san_RestOfRealGuaranteesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SalesFairValueMeasurementLiabilities_019ca0fb-cbee-73b1-ad8e-9431006f2076_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_SalesFairValueMeasurementLiabilities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Sales/Settlements</link:label>
    <link:label id="lab_ifrs-full_SalesFairValueMeasurementLiabilities_label_en-US" xlink:label="lab_ifrs-full_SalesFairValueMeasurementLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales, fair value measurement, liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SalesFairValueMeasurementLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SalesFairValueMeasurementLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SalesFairValueMeasurementLiabilities" xlink:to="lab_ifrs-full_SalesFairValueMeasurementLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares_019ca0fb-cb6b-7d4d-afbb-9eb7a13917e5_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percent awarded in shares</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Long Term And Deferred Compensation, Percent Of Total Awarded In Shares</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Long Term And Deferred Compensation, Percent Of Total Awarded In Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares" xlink:to="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeStructureFinance_019ca0fb-c94e-7cc9-b0b8-d4c9fa424794_terseLabel_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeStructureFinance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Structure Finance</link:label>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeStructureFinance_label_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeStructureFinance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Fee And Commission Income, Structure Finance</link:label>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeStructureFinance_documentation_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeStructureFinance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Fee And Commission Income, Structure Finance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherFeeAndCommissionIncomeStructureFinance" xlink:href="san-20251231.xsd#san_OtherFeeAndCommissionIncomeStructureFinance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherFeeAndCommissionIncomeStructureFinance" xlink:to="lab_san_OtherFeeAndCommissionIncomeStructureFinance" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_MXN_019ca0fb-c9cd-774a-a3a0-fed5ca29cb43_terseLabel_en-US" xlink:label="lab_currency_MXN" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mexican peso</link:label>
    <link:label id="lab_currency_MXN_label_en-US" xlink:label="lab_currency_MXN" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mexico, Pesos</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_MXN" xlink:href="https://xbrl.sec.gov/currency/2025/currency-2025.xsd#currency_MXN"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_MXN" xlink:to="lab_currency_MXN" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfLiabilitiesDomain_019ca0fb-cb6b-79bc-816f-c1e1f7891b64_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of liabilities [domain]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfLiabilitiesDomain_label_en-US" xlink:label="lab_ifrs-full_ClassesOfLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of liabilities [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfLiabilitiesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfLiabilitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfLiabilitiesDomain" xlink:to="lab_ifrs-full_ClassesOfLiabilitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2020Member_019ca0fb-cb6b-78c2-af64-22c01dde81ca_terseLabel_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2020Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred conditional variable remuneration plan and linked to objectives (2020)</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2020Member_label_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2020Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan And Linked To Objectives 2020 [Member]</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2020Member_documentation_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2020Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan And Linked To Objectives 2020</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2020Member" xlink:href="san-20251231.xsd#san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2020Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2020Member" xlink:to="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2020Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GlennHutchinsMember_019ca0fb-cbee-7b97-a615-1ba12bf9b909_terseLabel_en-US" xlink:label="lab_san_GlennHutchinsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Glenn Hutchins</link:label>
    <link:label id="lab_san_GlennHutchinsMember_label_en-US" xlink:label="lab_san_GlennHutchinsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Glenn Hutchins [Member]</link:label>
    <link:label id="lab_san_GlennHutchinsMember_documentation_en-US" xlink:label="lab_san_GlennHutchinsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Glenn Hutchins</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GlennHutchinsMember" xlink:href="san-20251231.xsd#san_GlennHutchinsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GlennHutchinsMember" xlink:to="lab_san_GlennHutchinsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DefinedBenefitObligationToCurrentEmployeesAtPresentValue_019ca0fb-cbee-7687-8b21-012c6ba326ed_terseLabel_en-US" xlink:label="lab_san_DefinedBenefitObligationToCurrentEmployeesAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">To current employees</link:label>
    <link:label id="lab_san_DefinedBenefitObligationToCurrentEmployeesAtPresentValue_label_en-US" xlink:label="lab_san_DefinedBenefitObligationToCurrentEmployeesAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Obligation To Current Employees At Present Value</link:label>
    <link:label id="lab_san_DefinedBenefitObligationToCurrentEmployeesAtPresentValue_documentation_en-US" xlink:label="lab_san_DefinedBenefitObligationToCurrentEmployeesAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The present value, without deducting any plan assets, of expected future payments required to settle the obligation to current employees resulting from employee service in the current and prior periods.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DefinedBenefitObligationToCurrentEmployeesAtPresentValue" xlink:href="san-20251231.xsd#san_DefinedBenefitObligationToCurrentEmployeesAtPresentValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DefinedBenefitObligationToCurrentEmployeesAtPresentValue" xlink:to="lab_san_DefinedBenefitObligationToCurrentEmployeesAtPresentValue" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IFRSCollateralPledgedMember_019ca0fb-cb6b-7a71-beb7-8f96c66ed302_terseLabel_en-US" xlink:label="lab_san_IFRSCollateralPledgedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Of&#160;which property collateral</link:label>
    <link:label id="lab_san_IFRSCollateralPledgedMember_019ca0fb-cb6b-7531-a11a-9fc2eb16acba_verboseLabel_en-US" xlink:label="lab_san_IFRSCollateralPledgedMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">With mortgage collateral</link:label>
    <link:label id="lab_san_IFRSCollateralPledgedMember_019ca0fb-cb6b-7c7c-ac68-33983018f56f_netLabel_en-US" xlink:label="lab_san_IFRSCollateralPledgedMember" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Encumbered assets</link:label>
    <link:label id="lab_san_IFRSCollateralPledgedMember_label_en-US" xlink:label="lab_san_IFRSCollateralPledgedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS Collateral Pledged [Member]</link:label>
    <link:label id="lab_san_IFRSCollateralPledgedMember_documentation_en-US" xlink:label="lab_san_IFRSCollateralPledgedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to instruments that contain a pledge of specific property to serve as protection against default.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IFRSCollateralPledgedMember" xlink:href="san-20251231.xsd#san_IFRSCollateralPledgedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IFRSCollateralPledgedMember" xlink:to="lab_san_IFRSCollateralPledgedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CommonEquityTierOneCapitalRequiredForCapitalAdequacy1_019ca0fb-ca4e-7d26-b371-c333f99c9234_terseLabel_en-US" xlink:label="lab_san_CommonEquityTierOneCapitalRequiredForCapitalAdequacy1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Level 1 ordinary eligible capital (EUR million)</link:label>
    <link:label id="lab_san_CommonEquityTierOneCapitalRequiredForCapitalAdequacy1_019ca0fb-ca4e-75a1-aceb-087a13fe88b6_totalLabel_en-US" xlink:label="lab_san_CommonEquityTierOneCapitalRequiredForCapitalAdequacy1" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Common Equity Tier I</link:label>
    <link:label id="lab_san_CommonEquityTierOneCapitalRequiredForCapitalAdequacy1_label_en-US" xlink:label="lab_san_CommonEquityTierOneCapitalRequiredForCapitalAdequacy1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Equity Tier One Capital Required For Capital Adequacy1</link:label>
    <link:label id="lab_san_CommonEquityTierOneCapitalRequiredForCapitalAdequacy1_documentation_en-US" xlink:label="lab_san_CommonEquityTierOneCapitalRequiredForCapitalAdequacy1" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of Common Equity Tier 1 Risk-based Capital required to be categorized as adequately capitalized under regulatory framework for prompt corrective action. Also known as "ordinary eligible capital."</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CommonEquityTierOneCapitalRequiredForCapitalAdequacy1" xlink:href="san-20251231.xsd#san_CommonEquityTierOneCapitalRequiredForCapitalAdequacy1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CommonEquityTierOneCapitalRequiredForCapitalAdequacy1" xlink:to="lab_san_CommonEquityTierOneCapitalRequiredForCapitalAdequacy1" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfCreditRiskExplanatory_019ca0fb-c94e-717a-bc48-c7c2214bf727_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfCreditRiskExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of criteria used to determine if a financial instrument has increased credit risk</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfCreditRiskExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfCreditRiskExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of credit risk [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfCreditRiskExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfCreditRiskExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfCreditRiskExplanatory" xlink:to="lab_ifrs-full_DisclosureOfCreditRiskExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LessThanBBBRatingMember_019ca0fb-cad3-7ea3-b4d8-6166e62f45a7_terseLabel_en-US" xlink:label="lab_san_LessThanBBBRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Less than BBB</link:label>
    <link:label id="lab_san_LessThanBBBRatingMember_label_en-US" xlink:label="lab_san_LessThanBBBRatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Less Than BBB Rating [Member]</link:label>
    <link:label id="lab_san_LessThanBBBRatingMember_documentation_en-US" xlink:label="lab_san_LessThanBBBRatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Less Than BBB Rating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LessThanBBBRatingMember" xlink:href="san-20251231.xsd#san_LessThanBBBRatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LessThanBBBRatingMember" xlink:to="lab_san_LessThanBBBRatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems_019ca0fb-c9cd-7104-a5c1-40f77deb37dd_totalLabel_en-US" xlink:label="lab_san_IncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Foreign currency balance translation differences and other items</link:label>
    <link:label id="lab_san_IncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems_label_en-US" xlink:label="lab_san_IncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax Relating To Components Of Foreign Currency Balance Translation Differences And Other Items</link:label>
    <link:label id="lab_san_IncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems_documentation_en-US" xlink:label="lab_san_IncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of income tax relating to amounts recognized from foreign currency balance translation differences and other items.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" xlink:href="san-20251231.xsd#san_IncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" xlink:to="lab_san_IncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentTSRObjectiveWeight_019ca0fb-c9cd-7808-8ed8-055a1c2e168d_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentTSRObjectiveWeight" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred payment, TSR objective, weight</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentTSRObjectiveWeight_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentTSRObjectiveWeight" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, TSR Objective, Weight</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentTSRObjectiveWeight_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentTSRObjectiveWeight" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, TSR Objective, Weight</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentTSRObjectiveWeight" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentTSRObjectiveWeight"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentTSRObjectiveWeight" xlink:to="lab_san_VariableRemunerationDeferredPaymentTSRObjectiveWeight" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory_019ca0fb-cad3-7918-9b4e-74af4aac6978_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Introduction, basis of presentation of the consolidated financial statements (consolidated annual accounts) and other information</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of basis of preparation of financial statements [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProportionOfOwnershipInterestInAssociateSold_019ca0fb-cb6b-740b-9d22-be405db930e9_terseLabel_en-US" xlink:label="lab_san_ProportionOfOwnershipInterestInAssociateSold" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proportion of ownership interest in associate, sold (in percentage)</link:label>
    <link:label id="lab_san_ProportionOfOwnershipInterestInAssociateSold_label_en-US" xlink:label="lab_san_ProportionOfOwnershipInterestInAssociateSold" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proportion Of Ownership Interest In Associate, Sold</link:label>
    <link:label id="lab_san_ProportionOfOwnershipInterestInAssociateSold_documentation_en-US" xlink:label="lab_san_ProportionOfOwnershipInterestInAssociateSold" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Proportion Of Ownership Interest In Associate, Sold</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProportionOfOwnershipInterestInAssociateSold" xlink:href="san-20251231.xsd#san_ProportionOfOwnershipInterestInAssociateSold"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProportionOfOwnershipInterestInAssociateSold" xlink:to="lab_san_ProportionOfOwnershipInterestInAssociateSold" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderInsuranceS.L.Member_019ca0fb-c94d-71b7-b355-10ebe917b1b6_terseLabel_en-US" xlink:label="lab_san_SantanderInsuranceS.L.Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Insurance, S.L.</link:label>
    <link:label id="lab_san_SantanderInsuranceS.L.Member_label_en-US" xlink:label="lab_san_SantanderInsuranceS.L.Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Insurance, S.L. [Member]</link:label>
    <link:label id="lab_san_SantanderInsuranceS.L.Member_documentation_en-US" xlink:label="lab_san_SantanderInsuranceS.L.Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Insurance, S.L.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderInsuranceS.L.Member" xlink:href="san-20251231.xsd#san_SantanderInsuranceS.L.Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderInsuranceS.L.Member" xlink:to="lab_san_SantanderInsuranceS.L.Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForeclosedPropertiesMember_019ca0fb-cad3-7640-beee-116fea765926_terseLabel_en-US" xlink:label="lab_san_ForeclosedPropertiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreclosed properties</link:label>
    <link:label id="lab_san_ForeclosedPropertiesMember_label_en-US" xlink:label="lab_san_ForeclosedPropertiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreclosed Properties [Member]</link:label>
    <link:label id="lab_san_ForeclosedPropertiesMember_documentation_en-US" xlink:label="lab_san_ForeclosedPropertiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Foreclosed Properties [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForeclosedPropertiesMember" xlink:href="san-20251231.xsd#san_ForeclosedPropertiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForeclosedPropertiesMember" xlink:to="lab_san_ForeclosedPropertiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentFiscalPeriodFocus_019ca0fb-ca4e-76ff-ae71-1ab908be7207_terseLabel_en-US" xlink:label="lab_dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Fiscal Period Focus</link:label>
    <link:label id="lab_dei_DocumentFiscalPeriodFocus_label_en-US" xlink:label="lab_dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Fiscal Period Focus</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFiscalPeriodFocus" xlink:to="lab_dei_DocumentFiscalPeriodFocus" xlink:type="arc" order="1"/>
    <link:label id="lab_san_HighQualityLiquidAssetsAdjusted_019ca0fb-cbee-7914-8bf7-e58b2ce6974e_terseLabel_en-US" xlink:label="lab_san_HighQualityLiquidAssetsAdjusted" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">High-quality liquid assets-HQLAs</link:label>
    <link:label id="lab_san_HighQualityLiquidAssetsAdjusted_label_en-US" xlink:label="lab_san_HighQualityLiquidAssetsAdjusted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">High-Quality Liquid Assets, Adjusted</link:label>
    <link:label id="lab_san_HighQualityLiquidAssetsAdjusted_documentation_en-US" xlink:label="lab_san_HighQualityLiquidAssetsAdjusted" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">High-Quality Liquid Assets, Adjusted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_HighQualityLiquidAssetsAdjusted" xlink:href="san-20251231.xsd#san_HighQualityLiquidAssetsAdjusted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_HighQualityLiquidAssetsAdjusted" xlink:to="lab_san_HighQualityLiquidAssetsAdjusted" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RelatedPartiesMember_019ca0fb-ca4e-7b0c-b054-37ead7e35f9f_terseLabel_en-US" xlink:label="lab_ifrs-full_RelatedPartiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total for all related parties [member]</link:label>
    <link:label id="lab_ifrs-full_RelatedPartiesMember_label_en-US" xlink:label="lab_ifrs-full_RelatedPartiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total for all related parties [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RelatedPartiesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RelatedPartiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RelatedPartiesMember" xlink:to="lab_ifrs-full_RelatedPartiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_Assets_019ca0fb-c9cd-7837-a2dc-6827ae40317e_totalLabel_en-US" xlink:label="lab_ifrs-full_Assets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">TOTAL ASSETS</link:label>
    <link:label id="lab_ifrs-full_Assets_019ca0fb-c9cd-7cfd-a1c2-4556597db584_verboseLabel_en-US" xlink:label="lab_ifrs-full_Assets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total assets</link:label>
    <link:label id="lab_ifrs-full_Assets_019ca0fb-c9cd-771a-b32a-644fb3bbc701_netLabel_en-US" xlink:label="lab_ifrs-full_Assets" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Total consolidated assets (Total business)</link:label>
    <link:label id="lab_ifrs-full_Assets_019ca0fb-c9cd-7e68-ad26-022774d0edc9_terseLabel_en-US" xlink:label="lab_ifrs-full_Assets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances to customers</link:label>
    <link:label id="lab_ifrs-full_Assets_label_en-US" xlink:label="lab_ifrs-full_Assets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_Assets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_Assets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_Assets" xlink:to="lab_ifrs-full_Assets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TerritorialJurisdictionDomain_019ca0fb-c9cd-71fe-9bec-f7eaded43bd5_terseLabel_en-US" xlink:label="lab_san_TerritorialJurisdictionDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Territorial Jurisdiction [Domain]</link:label>
    <link:label id="lab_san_TerritorialJurisdictionDomain_label_en-US" xlink:label="lab_san_TerritorialJurisdictionDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Territorial Jurisdiction [Domain]</link:label>
    <link:label id="lab_san_TerritorialJurisdictionDomain_documentation_en-US" xlink:label="lab_san_TerritorialJurisdictionDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Territorial Jurisdiction</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TerritorialJurisdictionDomain" xlink:href="san-20251231.xsd#san_TerritorialJurisdictionDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TerritorialJurisdictionDomain" xlink:to="lab_san_TerritorialJurisdictionDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_LitigationCaseTypeDomain_019ca0fb-cbee-72b5-9232-82beedbfbdc2_terseLabel_en-US" xlink:label="lab_srt_LitigationCaseTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Litigation Case [Domain]</link:label>
    <link:label id="lab_srt_LitigationCaseTypeDomain_label_en-US" xlink:label="lab_srt_LitigationCaseTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Litigation Case [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_LitigationCaseTypeDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_LitigationCaseTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_LitigationCaseTypeDomain" xlink:to="lab_srt_LitigationCaseTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax_019ca0fb-c94e-77b1-9f56-6a602b7c849e_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revaluation gains (losses)</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax_label_en-US" xlink:label="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (losses) on exchange differences on translation of foreign operations, before tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" xlink:to="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InterimDividendMember_019ca0fb-cad3-7b4a-9d3e-5d5774a43bd8_terseLabel_en-US" xlink:label="lab_san_InterimDividendMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interim dividend</link:label>
    <link:label id="lab_san_InterimDividendMember_label_en-US" xlink:label="lab_san_InterimDividendMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interim Dividend [Member]</link:label>
    <link:label id="lab_san_InterimDividendMember_documentation_en-US" xlink:label="lab_san_InterimDividendMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interim Dividend</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InterimDividendMember" xlink:href="san-20251231.xsd#san_InterimDividendMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InterimDividendMember" xlink:to="lab_san_InterimDividendMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SignificantInvestmentsInAssociatesDomain_019ca0fb-cad3-7e06-8090-825a7ee5b153_terseLabel_en-US" xlink:label="lab_ifrs-full_SignificantInvestmentsInAssociatesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Associates [domain]</link:label>
    <link:label id="lab_ifrs-full_SignificantInvestmentsInAssociatesDomain_label_en-US" xlink:label="lab_ifrs-full_SignificantInvestmentsInAssociatesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Associates [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SignificantInvestmentsInAssociatesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SignificantInvestmentsInAssociatesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SignificantInvestmentsInAssociatesDomain" xlink:to="lab_ifrs-full_SignificantInvestmentsInAssociatesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DecreaseThroughAmountsUsedProvisions_019ca0fb-c9cd-73e8-91c2-c489c78dfdb7_negatedLabel_en-US" xlink:label="lab_san_DecreaseThroughAmountsUsedProvisions" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Amounts used</link:label>
    <link:label id="lab_san_DecreaseThroughAmountsUsedProvisions_label_en-US" xlink:label="lab_san_DecreaseThroughAmountsUsedProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease Through Amounts Used, Provisions</link:label>
    <link:label id="lab_san_DecreaseThroughAmountsUsedProvisions_documentation_en-US" xlink:label="lab_san_DecreaseThroughAmountsUsedProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Provisions, amount used in the period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DecreaseThroughAmountsUsedProvisions" xlink:href="san-20251231.xsd#san_DecreaseThroughAmountsUsedProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DecreaseThroughAmountsUsedProvisions" xlink:to="lab_san_DecreaseThroughAmountsUsedProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfFeeAndCommissionIncomeTextBlock_019ca0fb-cbee-7b5b-938f-1134814761df_terseLabel_en-US" xlink:label="lab_san_DisclosureOfFeeAndCommissionIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commission income</link:label>
    <link:label id="lab_san_DisclosureOfFeeAndCommissionIncomeTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfFeeAndCommissionIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Fee And Commission Income [Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfFeeAndCommissionIncomeTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfFeeAndCommissionIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of fee and commission income.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfFeeAndCommissionIncomeTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfFeeAndCommissionIncomeTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfFeeAndCommissionIncomeTextBlock" xlink:to="lab_san_DisclosureOfFeeAndCommissionIncomeTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods_019ca0fb-c94e-7b59-830c-cecca6193b6c_terseLabel_en-US" xlink:label="lab_ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current taxes</link:label>
    <link:label id="lab_ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods_label_en-US" xlink:label="lab_ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current tax expense (income) and adjustments for current tax of prior periods</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods" xlink:to="lab_ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CreditRiskMember_019ca0fb-cad3-7f01-b0af-c7262ccea426_terseLabel_en-US" xlink:label="lab_ifrs-full_CreditRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit risk</link:label>
    <link:label id="lab_ifrs-full_CreditRiskMember_label_en-US" xlink:label="lab_ifrs-full_CreditRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit risk [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CreditRiskMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CreditRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CreditRiskMember" xlink:to="lab_ifrs-full_CreditRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_EquityMethodInvesteeNameDomain_019ca0fb-cb6b-7ba4-8b03-780e8d59144a_terseLabel_en-US" xlink:label="lab_srt_EquityMethodInvesteeNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment, Name [Domain]</link:label>
    <link:label id="lab_srt_EquityMethodInvesteeNameDomain_label_en-US" xlink:label="lab_srt_EquityMethodInvesteeNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment, Name [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_EquityMethodInvesteeNameDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_EquityMethodInvesteeNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_EquityMethodInvesteeNameDomain" xlink:to="lab_srt_EquityMethodInvesteeNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProfitLossRelatedParty_019ca0fb-ca4e-73ab-b4a2-16fd15598c8a_totalLabel_en-US" xlink:label="lab_san_ProfitLossRelatedParty" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Income statement</link:label>
    <link:label id="lab_san_ProfitLossRelatedParty_label_en-US" xlink:label="lab_san_ProfitLossRelatedParty" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit Loss Related Party</link:label>
    <link:label id="lab_san_ProfitLossRelatedParty_documentation_en-US" xlink:label="lab_san_ProfitLossRelatedParty" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The profit (loss) before tax expense or income, attributable to related party transactions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProfitLossRelatedParty" xlink:href="san-20251231.xsd#san_ProfitLossRelatedParty"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProfitLossRelatedParty" xlink:to="lab_san_ProfitLossRelatedParty" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InvestmentPropertyMember_019ca0fb-cb6b-7e6a-b55f-b8e6a44113ac_terseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentPropertyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment property</link:label>
    <link:label id="lab_ifrs-full_InvestmentPropertyMember_019ca0fb-cb6b-7875-8b1c-777b47405edf_verboseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentPropertyMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Properties</link:label>
    <link:label id="lab_ifrs-full_InvestmentPropertyMember_label_en-US" xlink:label="lab_ifrs-full_InvestmentPropertyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment property [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InvestmentPropertyMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InvestmentPropertyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InvestmentPropertyMember" xlink:to="lab_ifrs-full_InvestmentPropertyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IssuesFairValueMeasurementLiabilities_019ca0fb-c94e-7244-96f3-b27d1653f7f0_terseLabel_en-US" xlink:label="lab_ifrs-full_IssuesFairValueMeasurementLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issues</link:label>
    <link:label id="lab_ifrs-full_IssuesFairValueMeasurementLiabilities_label_en-US" xlink:label="lab_ifrs-full_IssuesFairValueMeasurementLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issues, fair value measurement, liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IssuesFairValueMeasurementLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IssuesFairValueMeasurementLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IssuesFairValueMeasurementLiabilities" xlink:to="lab_ifrs-full_IssuesFairValueMeasurementLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ValuationOfTangibleAndIntangibleAssetsMember_019ca0fb-ca4e-78b4-af69-8d9b8ce97ed1_terseLabel_en-US" xlink:label="lab_san_ValuationOfTangibleAndIntangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation of tangible and intangible assets</link:label>
    <link:label id="lab_san_ValuationOfTangibleAndIntangibleAssetsMember_label_en-US" xlink:label="lab_san_ValuationOfTangibleAndIntangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation Of Tangible And Intangible Assets [Member]</link:label>
    <link:label id="lab_san_ValuationOfTangibleAndIntangibleAssetsMember_documentation_en-US" xlink:label="lab_san_ValuationOfTangibleAndIntangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the valuation of tangible and intangible assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ValuationOfTangibleAndIntangibleAssetsMember" xlink:href="san-20251231.xsd#san_ValuationOfTangibleAndIntangibleAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ValuationOfTangibleAndIntangibleAssetsMember" xlink:to="lab_san_ValuationOfTangibleAndIntangibleAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TypesOfInterestRatesAxis_019ca0fb-c9cd-7f1a-a35c-0ef3378acb56_terseLabel_en-US" xlink:label="lab_ifrs-full_TypesOfInterestRatesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Types of interest rates [axis]</link:label>
    <link:label id="lab_ifrs-full_TypesOfInterestRatesAxis_label_en-US" xlink:label="lab_ifrs-full_TypesOfInterestRatesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Types of interest rates [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TypesOfInterestRatesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TypesOfInterestRatesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TypesOfInterestRatesAxis" xlink:to="lab_ifrs-full_TypesOfInterestRatesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TreasurySharesHeldAndFinanced_019ca0fb-cb6b-758c-aaf0-e761d4ac835d_negatedLabel_en-US" xlink:label="lab_san_TreasurySharesHeldAndFinanced" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">(-) Treasure shares and own shares financed</link:label>
    <link:label id="lab_san_TreasurySharesHeldAndFinanced_label_en-US" xlink:label="lab_san_TreasurySharesHeldAndFinanced" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Shares, Held And Financed</link:label>
    <link:label id="lab_san_TreasurySharesHeldAndFinanced_documentation_en-US" xlink:label="lab_san_TreasurySharesHeldAndFinanced" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Treasury Shares, Held And Financed</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TreasurySharesHeldAndFinanced" xlink:href="san-20251231.xsd#san_TreasurySharesHeldAndFinanced"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TreasurySharesHeldAndFinanced" xlink:to="lab_san_TreasurySharesHeldAndFinanced" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_Revenue_019ca0fb-cad3-7ec2-8533-6edcfc66e71c_verboseLabel_en-US" xlink:label="lab_ifrs-full_Revenue" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total income</link:label>
    <link:label id="lab_ifrs-full_Revenue_label_en-US" xlink:label="lab_ifrs-full_Revenue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revenue</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_Revenue" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_Revenue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_Revenue" xlink:to="lab_ifrs-full_Revenue" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InJanuary2017Member_019ca0fb-c94d-7166-a5a5-43ffa4c8567d_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InJanuary2017Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In January 2017</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InJanuary2017Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InJanuary2017Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In January 2017 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InJanuary2017Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InJanuary2017Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In January 2017</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderS.A.InJanuary2017Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderS.A.InJanuary2017Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderS.A.InJanuary2017Member" xlink:to="lab_san_IssuanceByBancoSantanderS.A.InJanuary2017Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfFairValueOfFinancialInstrumentsMeasurementBasedOnInternalModelsTableTextBlock_019ca0fb-c94e-73e2-bd11-45e2fc3a2379_terseLabel_en-US" xlink:label="lab_san_DisclosureOfFairValueOfFinancialInstrumentsMeasurementBasedOnInternalModelsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of financial instruments at fair value whose measurement was based on internal models (Levels 2 and 3)</link:label>
    <link:label id="lab_san_DisclosureOfFairValueOfFinancialInstrumentsMeasurementBasedOnInternalModelsTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfFairValueOfFinancialInstrumentsMeasurementBasedOnInternalModelsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Fair Value Of Financial Instruments, Measurement Based On Internal Models [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfFairValueOfFinancialInstrumentsMeasurementBasedOnInternalModelsTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfFairValueOfFinancialInstrumentsMeasurementBasedOnInternalModelsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of the fair value of financial instruments whose measurement was based on internal models (Levels 2 and 3).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfFairValueOfFinancialInstrumentsMeasurementBasedOnInternalModelsTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfFairValueOfFinancialInstrumentsMeasurementBasedOnInternalModelsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfFairValueOfFinancialInstrumentsMeasurementBasedOnInternalModelsTableTextBlock" xlink:to="lab_san_DisclosureOfFairValueOfFinancialInstrumentsMeasurementBasedOnInternalModelsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss_019ca0fb-ca4e-7d2f-ad80-9f1519f634fe_verboseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Financial assets designated at fair value through profit or loss</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss" xlink:to="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IssuedCapitalMember_019ca0fb-ca4e-7dda-96cb-e6d79b2696cd_terseLabel_en-US" xlink:label="lab_ifrs-full_IssuedCapitalMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capital</link:label>
    <link:label id="lab_ifrs-full_IssuedCapitalMember_label_en-US" xlink:label="lab_ifrs-full_IssuedCapitalMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issued capital [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IssuedCapitalMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IssuedCapitalMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IssuedCapitalMember" xlink:to="lab_ifrs-full_IssuedCapitalMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RepaidByBancoSantanderS.A.InDecember2025Member_019ca0fb-c94e-7946-a4ac-a3659b0e5917_terseLabel_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InDecember2025Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repaid By Banco Santander S.A. In December 2025</link:label>
    <link:label id="lab_san_RepaidByBancoSantanderS.A.InDecember2025Member_label_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InDecember2025Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repaid By Banco Santander S.A. In December 2025 [Member]</link:label>
    <link:label id="lab_san_RepaidByBancoSantanderS.A.InDecember2025Member_documentation_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InDecember2025Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Repaid By Banco Santander S.A. In December 2025</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RepaidByBancoSantanderS.A.InDecember2025Member" xlink:href="san-20251231.xsd#san_RepaidByBancoSantanderS.A.InDecember2025Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RepaidByBancoSantanderS.A.InDecember2025Member" xlink:to="lab_san_RepaidByBancoSantanderS.A.InDecember2025Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherReservesMember_019ca0fb-cb6b-7635-be79-e1f70ef6b08c_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherReservesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other reserves</link:label>
    <link:label id="lab_ifrs-full_OtherReservesMember_label_en-US" xlink:label="lab_ifrs-full_OtherReservesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other reserves [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherReservesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherReservesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherReservesMember" xlink:to="lab_ifrs-full_OtherReservesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LossesOnLitigationSettlements_019ca0fb-ca4e-7648-a1d9-804e971a5ce1_terseLabel_en-US" xlink:label="lab_ifrs-full_LossesOnLitigationSettlements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Losses on litigation settlements</link:label>
    <link:label id="lab_ifrs-full_LossesOnLitigationSettlements_label_en-US" xlink:label="lab_ifrs-full_LossesOnLitigationSettlements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Losses on litigation settlements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LossesOnLitigationSettlements" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LossesOnLitigationSettlements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LossesOnLitigationSettlements" xlink:to="lab_ifrs-full_LossesOnLitigationSettlements" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory_019ca0fb-cc70-7e9b-afe4-35ad73dc513a_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Remuneration and other benefits paid to the Bank's directors and senior managers</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of information about key management personnel [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory" xlink:to="lab_ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OptionContractMember_019ca0fb-cb6b-7a33-b5f2-759995c85fa3_terseLabel_en-US" xlink:label="lab_ifrs-full_OptionContractMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Option</link:label>
    <link:label id="lab_ifrs-full_OptionContractMember_label_en-US" xlink:label="lab_ifrs-full_OptionContractMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Option contract [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OptionContractMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OptionContractMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OptionContractMember" xlink:to="lab_ifrs-full_OptionContractMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LegalCaseRelatingToTaxDeductibilityOfAmortizationOfGoodwillArisingOnAcquisitionMember_019ca0fb-c9cd-7031-a3d2-97117edcf674_terseLabel_en-US" xlink:label="lab_san_LegalCaseRelatingToTaxDeductibilityOfAmortizationOfGoodwillArisingOnAcquisitionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal case related to tax deductibility of amortization of goodwill arising on acquisition</link:label>
    <link:label id="lab_san_LegalCaseRelatingToTaxDeductibilityOfAmortizationOfGoodwillArisingOnAcquisitionMember_label_en-US" xlink:label="lab_san_LegalCaseRelatingToTaxDeductibilityOfAmortizationOfGoodwillArisingOnAcquisitionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal Case Relating To Tax Deductibility Of Amortization Of Goodwill Arising On Acquisition [Member]</link:label>
    <link:label id="lab_san_LegalCaseRelatingToTaxDeductibilityOfAmortizationOfGoodwillArisingOnAcquisitionMember_documentation_en-US" xlink:label="lab_san_LegalCaseRelatingToTaxDeductibilityOfAmortizationOfGoodwillArisingOnAcquisitionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Legal Case Relating To Tax Deductibility Of Amortization Of Goodwill Arising On Acquisition</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LegalCaseRelatingToTaxDeductibilityOfAmortizationOfGoodwillArisingOnAcquisitionMember" xlink:href="san-20251231.xsd#san_LegalCaseRelatingToTaxDeductibilityOfAmortizationOfGoodwillArisingOnAcquisitionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LegalCaseRelatingToTaxDeductibilityOfAmortizationOfGoodwillArisingOnAcquisitionMember" xlink:to="lab_san_LegalCaseRelatingToTaxDeductibilityOfAmortizationOfGoodwillArisingOnAcquisitionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedWaivingDeathAndDisabilityPolicy_019ca0fb-cbee-7df5-9551-e280b4a30f34_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedWaivingDeathAndDisabilityPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation received for having waived the death and disability policy</link:label>
    <link:label id="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedWaivingDeathAndDisabilityPolicy_label_en-US" xlink:label="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedWaivingDeathAndDisabilityPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Directors Compensation Received, Waiving Death And Disability Policy</link:label>
    <link:label id="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedWaivingDeathAndDisabilityPolicy_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedWaivingDeathAndDisabilityPolicy" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Key Management Personnel Directors Compensation Received, Waiving Death And Disability Policy</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelDirectorsCompensationReceivedWaivingDeathAndDisabilityPolicy" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelDirectorsCompensationReceivedWaivingDeathAndDisabilityPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelDirectorsCompensationReceivedWaivingDeathAndDisabilityPolicy" xlink:to="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedWaivingDeathAndDisabilityPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DecreaseThroughWriteoffFinancialAsset_019ca0fb-c94e-7489-9757-d883a09440cc_negatedTerseLabel_en-US" xlink:label="lab_san_DecreaseThroughWriteoffFinancialAsset" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Written-off assets</link:label>
    <link:label id="lab_san_DecreaseThroughWriteoffFinancialAsset_label_en-US" xlink:label="lab_san_DecreaseThroughWriteoffFinancialAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease Through Writeoff Financial Asset</link:label>
    <link:label id="lab_san_DecreaseThroughWriteoffFinancialAsset_documentation_en-US" xlink:label="lab_san_DecreaseThroughWriteoffFinancialAsset" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The decrease in financial assets resulting form write-off. [Refer: Financial Asset]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DecreaseThroughWriteoffFinancialAsset" xlink:href="san-20251231.xsd#san_DecreaseThroughWriteoffFinancialAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DecreaseThroughWriteoffFinancialAsset" xlink:to="lab_san_DecreaseThroughWriteoffFinancialAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfGeneralHedgeAccountingExplanatory_019ca0fb-cad2-7ef9-8ed7-9045caf48f2c_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfGeneralHedgeAccountingExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging derivatives</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfGeneralHedgeAccountingExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfGeneralHedgeAccountingExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of general hedge accounting [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfGeneralHedgeAccountingExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfGeneralHedgeAccountingExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfGeneralHedgeAccountingExplanatory" xlink:to="lab_ifrs-full_DisclosureOfGeneralHedgeAccountingExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughChangeInEquityOfSubsidiaries_019ca0fb-cb6b-74c9-8143-3dd475372d59_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughChangeInEquityOfSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) through change in equity of subsidiaries, equity</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughChangeInEquityOfSubsidiaries_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughChangeInEquityOfSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) through change in equity of subsidiaries, equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughChangeInEquityOfSubsidiaries" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseDecreaseThroughChangeInEquityOfSubsidiaries"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughChangeInEquityOfSubsidiaries" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughChangeInEquityOfSubsidiaries" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedIssueInterestRateRepriceTerm_019ca0fb-c9cd-7b20-af31-5b2560e3ef56_terseLabel_en-US" xlink:label="lab_san_SubordinatedIssueInterestRateRepriceTerm" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated issue, interest rate reprice term</link:label>
    <link:label id="lab_san_SubordinatedIssueInterestRateRepriceTerm_label_en-US" xlink:label="lab_san_SubordinatedIssueInterestRateRepriceTerm" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Issue, Interest Rate Reprice Term</link:label>
    <link:label id="lab_san_SubordinatedIssueInterestRateRepriceTerm_documentation_en-US" xlink:label="lab_san_SubordinatedIssueInterestRateRepriceTerm" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Issue, Interest Rate Reprice Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedIssueInterestRateRepriceTerm" xlink:href="san-20251231.xsd#san_SubordinatedIssueInterestRateRepriceTerm"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedIssueInterestRateRepriceTerm" xlink:to="lab_san_SubordinatedIssueInterestRateRepriceTerm" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderConsumerFinanceSAMember_019ca0fb-cb6b-79c4-8d44-3968b8c695a2_terseLabel_en-US" xlink:label="lab_san_SantanderConsumerFinanceSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Consumer Finance, S.A.</link:label>
    <link:label id="lab_san_SantanderConsumerFinanceSAMember_label_en-US" xlink:label="lab_san_SantanderConsumerFinanceSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Consumer Finance SA [Member]</link:label>
    <link:label id="lab_san_SantanderConsumerFinanceSAMember_documentation_en-US" xlink:label="lab_san_SantanderConsumerFinanceSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Santander Consumer Finance, S.A., a subsidiary of the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderConsumerFinanceSAMember" xlink:href="san-20251231.xsd#san_SantanderConsumerFinanceSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderConsumerFinanceSAMember" xlink:to="lab_san_SantanderConsumerFinanceSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RiskDiversificationEffectMember_019ca0fb-cad3-71ea-aa51-0ca5f1de2b41_terseLabel_en-US" xlink:label="lab_ifrs-full_RiskDiversificationEffectMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Diversification effect</link:label>
    <link:label id="lab_ifrs-full_RiskDiversificationEffectMember_label_en-US" xlink:label="lab_ifrs-full_RiskDiversificationEffectMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Risk diversification effect [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RiskDiversificationEffectMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RiskDiversificationEffectMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RiskDiversificationEffectMember" xlink:to="lab_ifrs-full_RiskDiversificationEffectMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationMaximumAchievementRatio_019ca0fb-cad3-7633-8cc6-5511f681066a_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationMaximumAchievementRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum achievement ratio</link:label>
    <link:label id="lab_san_VariableRemunerationMaximumAchievementRatio_label_en-US" xlink:label="lab_san_VariableRemunerationMaximumAchievementRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Maximum Achievement Ratio</link:label>
    <link:label id="lab_san_VariableRemunerationMaximumAchievementRatio_documentation_en-US" xlink:label="lab_san_VariableRemunerationMaximumAchievementRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Maximum Achievement Ratio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationMaximumAchievementRatio" xlink:href="san-20251231.xsd#san_VariableRemunerationMaximumAchievementRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationMaximumAchievementRatio" xlink:to="lab_san_VariableRemunerationMaximumAchievementRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates_019ca0fb-ca4d-711b-8643-12f5937460ce_verboseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Investment in affiliated companies</link:label>
    <link:label id="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates_label_en-US" xlink:label="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments in subsidiaries, joint ventures and associates reported in separate financial statements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:to="lab_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansBackedByAssetsRatherThanMortgagesMember_019ca0fb-cbee-7cad-9e49-c23886722025_terseLabel_en-US" xlink:label="lab_san_LoansBackedByAssetsRatherThanMortgagesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other securitised assets</link:label>
    <link:label id="lab_san_LoansBackedByAssetsRatherThanMortgagesMember_label_en-US" xlink:label="lab_san_LoansBackedByAssetsRatherThanMortgagesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Backed By Assets Rather Than Mortgages [Member]</link:label>
    <link:label id="lab_san_LoansBackedByAssetsRatherThanMortgagesMember_documentation_en-US" xlink:label="lab_san_LoansBackedByAssetsRatherThanMortgagesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for loans made to customers which are backed by other assets rather than mortgages.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansBackedByAssetsRatherThanMortgagesMember" xlink:href="san-20251231.xsd#san_LoansBackedByAssetsRatherThanMortgagesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansBackedByAssetsRatherThanMortgagesMember" xlink:to="lab_san_LoansBackedByAssetsRatherThanMortgagesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AmericaAndRestOfTheWorldMember_019ca0fb-c94e-7969-a103-4bd34b1d5e4b_terseLabel_en-US" xlink:label="lab_san_AmericaAndRestOfTheWorldMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">America and rest of the world</link:label>
    <link:label id="lab_san_AmericaAndRestOfTheWorldMember_label_en-US" xlink:label="lab_san_AmericaAndRestOfTheWorldMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">America And Rest Of The World [Member]</link:label>
    <link:label id="lab_san_AmericaAndRestOfTheWorldMember_documentation_en-US" xlink:label="lab_san_AmericaAndRestOfTheWorldMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">America And Rest Of The World</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AmericaAndRestOfTheWorldMember" xlink:href="san-20251231.xsd#san_AmericaAndRestOfTheWorldMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AmericaAndRestOfTheWorldMember" xlink:to="lab_san_AmericaAndRestOfTheWorldMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedIssueInterestRateUST_019ca0fb-ca4e-7c66-b0cf-08949217d725_terseLabel_en-US" xlink:label="lab_san_SubordinatedIssueInterestRateUST" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated issue, interest rate, UST</link:label>
    <link:label id="lab_san_SubordinatedIssueInterestRateUST_label_en-US" xlink:label="lab_san_SubordinatedIssueInterestRateUST" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Issue, Interest Rate, UST</link:label>
    <link:label id="lab_san_SubordinatedIssueInterestRateUST_documentation_en-US" xlink:label="lab_san_SubordinatedIssueInterestRateUST" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Issue, Interest Rate, UST</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedIssueInterestRateUST" xlink:href="san-20251231.xsd#san_SubordinatedIssueInterestRateUST"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedIssueInterestRateUST" xlink:to="lab_san_SubordinatedIssueInterestRateUST" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DividendsPaidAndReimbursementsOfSharePremium_019ca0fb-c9cd-72b1-a3d1-816177751331_negatedTerseLabel_en-US" xlink:label="lab_san_DividendsPaidAndReimbursementsOfSharePremium" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Dividends distributed and reimbursements of share premium</link:label>
    <link:label id="lab_san_DividendsPaidAndReimbursementsOfSharePremium_label_en-US" xlink:label="lab_san_DividendsPaidAndReimbursementsOfSharePremium" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends Paid And Reimbursements Of Share Premium</link:label>
    <link:label id="lab_san_DividendsPaidAndReimbursementsOfSharePremium_documentation_en-US" xlink:label="lab_san_DividendsPaidAndReimbursementsOfSharePremium" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Dividends Paid And Reimbursements Of Share Premium</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DividendsPaidAndReimbursementsOfSharePremium" xlink:href="san-20251231.xsd#san_DividendsPaidAndReimbursementsOfSharePremium"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DividendsPaidAndReimbursementsOfSharePremium" xlink:to="lab_san_DividendsPaidAndReimbursementsOfSharePremium" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PerformingMember_019ca0fb-c94e-7ccc-b8b2-287223d43ac9_terseLabel_en-US" xlink:label="lab_san_PerformingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Performing</link:label>
    <link:label id="lab_san_PerformingMember_label_en-US" xlink:label="lab_san_PerformingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Performing [Member]</link:label>
    <link:label id="lab_san_PerformingMember_documentation_en-US" xlink:label="lab_san_PerformingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for financial instruments measured at amortised cost and not classified as doubtful. These instruments are not in arrears and there is no reasonable doubts as to their repayment under the contractual terms. Financial instruments include, but are not limited to, financing receivables, loans, debt, and investments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PerformingMember" xlink:href="san-20251231.xsd#san_PerformingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PerformingMember" xlink:to="lab_san_PerformingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SwapContractMember_019ca0fb-cbee-778e-9676-091e2d5bb2e6_terseLabel_en-US" xlink:label="lab_ifrs-full_SwapContractMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Swaps</link:label>
    <link:label id="lab_ifrs-full_SwapContractMember_label_en-US" xlink:label="lab_ifrs-full_SwapContractMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Swap contract [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SwapContractMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SwapContractMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SwapContractMember" xlink:to="lab_ifrs-full_SwapContractMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SharePremiumAbstract_019ca0fb-cad3-76a6-9531-83169754d444_terseLabel_en-US" xlink:label="lab_san_SharePremiumAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share Premium Abstract</link:label>
    <link:label id="lab_san_SharePremiumAbstract_label_en-US" xlink:label="lab_san_SharePremiumAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Premium [Abstract]</link:label>
    <link:label id="lab_san_SharePremiumAbstract_documentation_en-US" xlink:label="lab_san_SharePremiumAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">N/A</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SharePremiumAbstract" xlink:href="san-20251231.xsd#san_SharePremiumAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SharePremiumAbstract" xlink:to="lab_san_SharePremiumAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate_019ca0fb-cb6b-7053-b034-e659cbfb0447_terseLabel_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in provision assuming 100bp decrease in housing price change rate (as a percent)</link:label>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate_label_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percent Change In Provision Assuming 100 Basis Point Decrease In Housing Price Change Rate</link:label>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate_documentation_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percent Change In Provision Assuming 100 Basis Point Decrease In Housing Price Change Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate" xlink:href="san-20251231.xsd#san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate" xlink:to="lab_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets_019ca0fb-ca4e-76e4-ada1-e874c7894d1d_negatedLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">To stage 3 from stage 2</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets_019ca0fb-ca4e-749b-8bd1-76c31a007531_negatedTerseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">To stage 3 from stage 2</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Transfers From Stage 2 To Stage 3 Financial Assets</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) in financial assets resulting from transfers from credit risk stage 2 to stage 3.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" xlink:to="lab_san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherEquityInstrumentsIssuedMember_019ca0fb-cb6b-7952-8b35-289229bfcea0_terseLabel_en-US" xlink:label="lab_san_OtherEquityInstrumentsIssuedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity instruments issued (not capital)</link:label>
    <link:label id="lab_san_OtherEquityInstrumentsIssuedMember_label_en-US" xlink:label="lab_san_OtherEquityInstrumentsIssuedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Equity Instruments Issued [Member]</link:label>
    <link:label id="lab_san_OtherEquityInstrumentsIssuedMember_documentation_en-US" xlink:label="lab_san_OtherEquityInstrumentsIssuedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for other-than-capital instruments, which are a component of total equity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherEquityInstrumentsIssuedMember" xlink:href="san-20251231.xsd#san_OtherEquityInstrumentsIssuedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherEquityInstrumentsIssuedMember" xlink:to="lab_san_OtherEquityInstrumentsIssuedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForborneLoansPerformingCriteriaNumberOfDaysPastDue_019ca0fb-cbee-77dd-8a20-ed74d9b4ea5a_terseLabel_en-US" xlink:label="lab_san_ForborneLoansPerformingCriteriaNumberOfDaysPastDue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Performing loans, number of days past due criteria</link:label>
    <link:label id="lab_san_ForborneLoansPerformingCriteriaNumberOfDaysPastDue_label_en-US" xlink:label="lab_san_ForborneLoansPerformingCriteriaNumberOfDaysPastDue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forborne Loans, Performing Criteria, Number Of Days Past Due</link:label>
    <link:label id="lab_san_ForborneLoansPerformingCriteriaNumberOfDaysPastDue_documentation_en-US" xlink:label="lab_san_ForborneLoansPerformingCriteriaNumberOfDaysPastDue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The maximum number of days past due used as a criteria for performing loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForborneLoansPerformingCriteriaNumberOfDaysPastDue" xlink:href="san-20251231.xsd#san_ForborneLoansPerformingCriteriaNumberOfDaysPastDue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForborneLoansPerformingCriteriaNumberOfDaysPastDue" xlink:to="lab_san_ForborneLoansPerformingCriteriaNumberOfDaysPastDue" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RightofuseAssetsMember_019ca0fb-ca4e-73d9-a45d-d1986710c1c4_verboseLabel_en-US" xlink:label="lab_ifrs-full_RightofuseAssetsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Right-of-use for operating lease</link:label>
    <link:label id="lab_ifrs-full_RightofuseAssetsMember_label_en-US" xlink:label="lab_ifrs-full_RightofuseAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Right-of-use assets [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RightofuseAssetsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RightofuseAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RightofuseAssetsMember" xlink:to="lab_ifrs-full_RightofuseAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_EstimatesOfPresentValueOfFutureCashFlowsMember_019ca0fb-cad3-7dfb-8dae-305f3315c86e_terseLabel_en-US" xlink:label="lab_ifrs-full_EstimatesOfPresentValueOfFutureCashFlowsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Estimates of present value of future cash flows</link:label>
    <link:label id="lab_ifrs-full_EstimatesOfPresentValueOfFutureCashFlowsMember_label_en-US" xlink:label="lab_ifrs-full_EstimatesOfPresentValueOfFutureCashFlowsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimates of present value of future cash flows [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EstimatesOfPresentValueOfFutureCashFlowsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_EstimatesOfPresentValueOfFutureCashFlowsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_EstimatesOfPresentValueOfFutureCashFlowsMember" xlink:to="lab_ifrs-full_EstimatesOfPresentValueOfFutureCashFlowsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CreditSpreadMeasurementInputMember_019ca0fb-cad3-7e3f-88a0-bd997984dcc6_terseLabel_en-US" xlink:label="lab_ifrs-full_CreditSpreadMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit spread</link:label>
    <link:label id="lab_ifrs-full_CreditSpreadMeasurementInputMember_label_en-US" xlink:label="lab_ifrs-full_CreditSpreadMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit spread, measurement input [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CreditSpreadMeasurementInputMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CreditSpreadMeasurementInputMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CreditSpreadMeasurementInputMember" xlink:to="lab_ifrs-full_CreditSpreadMeasurementInputMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RiskManagementAbstract_019ca0fb-ca4e-7ffb-884a-f9971c92725f_terseLabel_en-US" xlink:label="lab_san_RiskManagementAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Risk management</link:label>
    <link:label id="lab_san_RiskManagementAbstract_label_en-US" xlink:label="lab_san_RiskManagementAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Risk Management [Abstract]</link:label>
    <link:label id="lab_san_RiskManagementAbstract_documentation_en-US" xlink:label="lab_san_RiskManagementAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">No definition available.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RiskManagementAbstract" xlink:href="san-20251231.xsd#san_RiskManagementAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RiskManagementAbstract" xlink:to="lab_san_RiskManagementAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RetainedEarningsExcludingProfitLossForReportingPeriod_019ca0fb-c9cd-7349-a04d-1136d80b08dd_terseLabel_en-US" xlink:label="lab_ifrs-full_RetainedEarningsExcludingProfitLossForReportingPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ACCUMULATED RETAINED EARNINGS</link:label>
    <link:label id="lab_ifrs-full_RetainedEarningsExcludingProfitLossForReportingPeriod_label_en-US" xlink:label="lab_ifrs-full_RetainedEarningsExcludingProfitLossForReportingPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained earnings, excluding profit (loss) for reporting period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RetainedEarningsExcludingProfitLossForReportingPeriod" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RetainedEarningsExcludingProfitLossForReportingPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RetainedEarningsExcludingProfitLossForReportingPeriod" xlink:to="lab_ifrs-full_RetainedEarningsExcludingProfitLossForReportingPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TypeOfCompensationDomain_019ca0fb-cad3-71b7-89f6-db59829d1eb6_terseLabel_en-US" xlink:label="lab_san_TypeOfCompensationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Type of Compensation [Domain]</link:label>
    <link:label id="lab_san_TypeOfCompensationDomain_label_en-US" xlink:label="lab_san_TypeOfCompensationDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Type of Compensation [Domain]</link:label>
    <link:label id="lab_san_TypeOfCompensationDomain_documentation_en-US" xlink:label="lab_san_TypeOfCompensationDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Type of Compensation [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TypeOfCompensationDomain" xlink:href="san-20251231.xsd#san_TypeOfCompensationDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TypeOfCompensationDomain" xlink:to="lab_san_TypeOfCompensationDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_WeightedAverageSharePriceShareOptionsGranted2019_019ca0fb-c94e-77d3-8a90-0737532dafae_terseLabel_en-US" xlink:label="lab_ifrs-full_WeightedAverageSharePriceShareOptionsGranted2019" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted average grant-date fair value of options granted (in GBP per share)</link:label>
    <link:label id="lab_ifrs-full_WeightedAverageSharePriceShareOptionsGranted2019_label_en-US" xlink:label="lab_ifrs-full_WeightedAverageSharePriceShareOptionsGranted2019" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted average share price, share options granted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_WeightedAverageSharePriceShareOptionsGranted2019" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_WeightedAverageSharePriceShareOptionsGranted2019"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_WeightedAverageSharePriceShareOptionsGranted2019" xlink:to="lab_ifrs-full_WeightedAverageSharePriceShareOptionsGranted2019" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProvisionsAndReversalOfProvisions_019ca0fb-c9cd-7d27-a1ea-3778bb9fe45e_negatedLabel_en-US" xlink:label="lab_san_ProvisionsAndReversalOfProvisions" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Provisions or reversal of provisions, net</link:label>
    <link:label id="lab_san_ProvisionsAndReversalOfProvisions_label_en-US" xlink:label="lab_san_ProvisionsAndReversalOfProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provisions And Reversal Of Provisions</link:label>
    <link:label id="lab_san_ProvisionsAndReversalOfProvisions_documentation_en-US" xlink:label="lab_san_ProvisionsAndReversalOfProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The net amount of provisions and reversal of provisions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProvisionsAndReversalOfProvisions" xlink:href="san-20251231.xsd#san_ProvisionsAndReversalOfProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProvisionsAndReversalOfProvisions" xlink:to="lab_san_ProvisionsAndReversalOfProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfMaximumExposureLimitsBasedOnCreditQualityTableTextBlock_019ca0fb-c94e-76f2-a8f2-59a41a7e4782_terseLabel_en-US" xlink:label="lab_san_DisclosureOfMaximumExposureLimitsBasedOnCreditQualityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum exposure limits based on credit quality</link:label>
    <link:label id="lab_san_DisclosureOfMaximumExposureLimitsBasedOnCreditQualityTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfMaximumExposureLimitsBasedOnCreditQualityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Maximum Exposure Limits Based On Credit Quality [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfMaximumExposureLimitsBasedOnCreditQualityTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfMaximumExposureLimitsBasedOnCreditQualityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Maximum Exposure Limits Based On Credit Quality</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfMaximumExposureLimitsBasedOnCreditQualityTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfMaximumExposureLimitsBasedOnCreditQualityTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfMaximumExposureLimitsBasedOnCreditQualityTableTextBlock" xlink:to="lab_san_DisclosureOfMaximumExposureLimitsBasedOnCreditQualityTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems_019ca0fb-ca4e-71fa-aca5-ce9487a3cbb5_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of nature and extent of risks arising from financial instruments [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of nature and extent of risks arising from financial instruments [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems" xlink:to="lab_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AuditorsRemunerationForOtherServices_019ca0fb-cad3-7747-a3dd-ff94995f8bfc_terseLabel_en-US" xlink:label="lab_ifrs-full_AuditorsRemunerationForOtherServices" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All other</link:label>
    <link:label id="lab_ifrs-full_AuditorsRemunerationForOtherServices_label_en-US" xlink:label="lab_ifrs-full_AuditorsRemunerationForOtherServices" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Auditor's remuneration for other services</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AuditorsRemunerationForOtherServices" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AuditorsRemunerationForOtherServices"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AuditorsRemunerationForOtherServices" xlink:to="lab_ifrs-full_AuditorsRemunerationForOtherServices" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherEquityInstrumentsAndOwnSharesAbstract_019ca0fb-ca4e-7661-9e1f-59f061da8422_terseLabel_en-US" xlink:label="lab_san_OtherEquityInstrumentsAndOwnSharesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other equity instruments and own shares</link:label>
    <link:label id="lab_san_OtherEquityInstrumentsAndOwnSharesAbstract_label_en-US" xlink:label="lab_san_OtherEquityInstrumentsAndOwnSharesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Equity Instruments And Own Shares [Abstract]</link:label>
    <link:label id="lab_san_OtherEquityInstrumentsAndOwnSharesAbstract_documentation_en-US" xlink:label="lab_san_OtherEquityInstrumentsAndOwnSharesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">n/a</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherEquityInstrumentsAndOwnSharesAbstract" xlink:href="san-20251231.xsd#san_OtherEquityInstrumentsAndOwnSharesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherEquityInstrumentsAndOwnSharesAbstract" xlink:to="lab_san_OtherEquityInstrumentsAndOwnSharesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InsuranceContractsLinkedToPensionsActuarialGainsLosses_019ca0fb-cad3-7a5b-ae60-e4677f650d03_terseLabel_en-US" xlink:label="lab_san_InsuranceContractsLinkedToPensionsActuarialGainsLosses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actuarial gains/(losses)</link:label>
    <link:label id="lab_san_InsuranceContractsLinkedToPensionsActuarialGainsLosses_label_en-US" xlink:label="lab_san_InsuranceContractsLinkedToPensionsActuarialGainsLosses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance Contracts Linked To Pensions, Actuarial Gains (Losses)</link:label>
    <link:label id="lab_san_InsuranceContractsLinkedToPensionsActuarialGainsLosses_documentation_en-US" xlink:label="lab_san_InsuranceContractsLinkedToPensionsActuarialGainsLosses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Actuarial gains losses from insurance contracts linked to pensions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InsuranceContractsLinkedToPensionsActuarialGainsLosses" xlink:href="san-20251231.xsd#san_InsuranceContractsLinkedToPensionsActuarialGainsLosses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InsuranceContractsLinkedToPensionsActuarialGainsLosses" xlink:to="lab_san_InsuranceContractsLinkedToPensionsActuarialGainsLosses" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfIncomeTaxExplanatory_019ca0fb-c9cd-7885-a84b-d2e479899ca3_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfIncomeTaxExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax matters</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfIncomeTaxExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfIncomeTaxExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of income tax [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfIncomeTaxExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfIncomeTaxExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfIncomeTaxExplanatory" xlink:to="lab_ifrs-full_DisclosureOfIncomeTaxExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RealEstateOperationsInSpainSegmentMember_019ca0fb-cc70-775b-afde-769200ce73a9_terseLabel_en-US" xlink:label="lab_san_RealEstateOperationsInSpainSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Real estate operations in Spain</link:label>
    <link:label id="lab_san_RealEstateOperationsInSpainSegmentMember_label_en-US" xlink:label="lab_san_RealEstateOperationsInSpainSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate Operations In Spain Segment [Member]</link:label>
    <link:label id="lab_san_RealEstateOperationsInSpainSegmentMember_documentation_en-US" xlink:label="lab_san_RealEstateOperationsInSpainSegmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to the Real Estate Operations in Spain segment, which includes loans to customers engaging mainly in property development, for which a specialised management model is in place, Metrovacesa's real estate assets and the assets of the former real estate fund (Santander Banif Inmobiliario), together with the Group's ownership interest in SAREB and foreclosed assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RealEstateOperationsInSpainSegmentMember" xlink:href="san-20251231.xsd#san_RealEstateOperationsInSpainSegmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RealEstateOperationsInSpainSegmentMember" xlink:to="lab_san_RealEstateOperationsInSpainSegmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoanLossProvisionsNetOfTaxesAndMinorityInterest_019ca0fb-c94e-744a-9699-d2f7ca2289bb_terseLabel_en-US" xlink:label="lab_san_LoanLossProvisionsNetOfTaxesAndMinorityInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan loss provisions, net of taxes and minority interest</link:label>
    <link:label id="lab_san_LoanLossProvisionsNetOfTaxesAndMinorityInterest_label_en-US" xlink:label="lab_san_LoanLossProvisionsNetOfTaxesAndMinorityInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Loss Provisions, Net Of Taxes And Minority Interest</link:label>
    <link:label id="lab_san_LoanLossProvisionsNetOfTaxesAndMinorityInterest_documentation_en-US" xlink:label="lab_san_LoanLossProvisionsNetOfTaxesAndMinorityInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan Loss Provisions, Net Of Taxes And Minority Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoanLossProvisionsNetOfTaxesAndMinorityInterest" xlink:href="san-20251231.xsd#san_LoanLossProvisionsNetOfTaxesAndMinorityInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoanLossProvisionsNetOfTaxesAndMinorityInterest" xlink:to="lab_san_LoanLossProvisionsNetOfTaxesAndMinorityInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PensionsMember_019ca0fb-c94e-7a1c-84f0-5b6e989d164b_terseLabel_en-US" xlink:label="lab_san_PensionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pensions</link:label>
    <link:label id="lab_san_PensionsMember_label_en-US" xlink:label="lab_san_PensionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pensions [Member]</link:label>
    <link:label id="lab_san_PensionsMember_documentation_en-US" xlink:label="lab_san_PensionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for pensions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PensionsMember" xlink:href="san-20251231.xsd#san_PensionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PensionsMember" xlink:to="lab_san_PensionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeCorporateFinance_019ca0fb-c94d-7d7c-9948-e5b21a3184ee_terseLabel_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeCorporateFinance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Corporate Finance</link:label>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeCorporateFinance_label_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeCorporateFinance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Fee And Commission Income, Corporate Finance</link:label>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeCorporateFinance_documentation_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeCorporateFinance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Fee And Commission Income, Corporate Finance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherFeeAndCommissionIncomeCorporateFinance" xlink:href="san-20251231.xsd#san_OtherFeeAndCommissionIncomeCorporateFinance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherFeeAndCommissionIncomeCorporateFinance" xlink:to="lab_san_OtherFeeAndCommissionIncomeCorporateFinance" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherMiscellaneousLiabilities_019ca0fb-c94e-7c97-9ef3-f8f2f70b6558_terseLabel_en-US" xlink:label="lab_san_OtherMiscellaneousLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_san_OtherMiscellaneousLiabilities_label_en-US" xlink:label="lab_san_OtherMiscellaneousLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Miscellaneous Liabilities</link:label>
    <link:label id="lab_san_OtherMiscellaneousLiabilities_documentation_en-US" xlink:label="lab_san_OtherMiscellaneousLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Liabilities classified as Other Liabilities, not otherwise specified.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherMiscellaneousLiabilities" xlink:href="san-20251231.xsd#san_OtherMiscellaneousLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherMiscellaneousLiabilities" xlink:to="lab_san_OtherMiscellaneousLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody_019ca0fb-c94e-7451-bc51-2c3b3cbd15a4_terseLabel_en-US" xlink:label="lab_san_ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Third party debt securities and equity instruments held in custody</link:label>
    <link:label id="lab_san_ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody_label_en-US" xlink:label="lab_san_ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Third Party Debt Securities And Equity Instruments Held In Custody</link:label>
    <link:label id="lab_san_ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody_documentation_en-US" xlink:label="lab_san_ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Third party debt securities and equity instruments held in custody.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody" xlink:href="san-20251231.xsd#san_ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody" xlink:to="lab_san_ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedCashFlowStatementsCaptionsLineItems_019ca0fb-cad3-7c3c-ba06-64c19a70bfb3_terseLabel_en-US" xlink:label="lab_srt_CondensedCashFlowStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Cash Flow Statements, Captions [Line Items]</link:label>
    <link:label id="lab_srt_CondensedCashFlowStatementsCaptionsLineItems_label_en-US" xlink:label="lab_srt_CondensedCashFlowStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Cash Flow Statements, Captions [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedCashFlowStatementsCaptionsLineItems" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CondensedCashFlowStatementsCaptionsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedCashFlowStatementsCaptionsLineItems" xlink:to="lab_srt_CondensedCashFlowStatementsCaptionsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssetsAtAmortisedCost_019ca0fb-cbee-7ae9-af93-182c9248970d_verboseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">FINANCIAL ASSETS AT AMORTIZED COST</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtAmortisedCost_019ca0fb-cbee-7651-bdb1-2adac45aafaa_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at amortised cost</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtAmortisedCost_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsAtAmortisedCost" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialAssetsAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsAtAmortisedCost" xlink:to="lab_ifrs-full_FinancialAssetsAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed_019ca0fb-cb6b-751a-9c55-bbd004120ec6_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Short-Term Employee Benefits, Fixed</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of fixed compensation to key management personnel in the form of short-term employee benefits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed" xlink:to="lab_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderUKGroupHoldingsPLCMember_019ca0fb-cb6b-754c-bc10-7d14240b146a_terseLabel_en-US" xlink:label="lab_san_SantanderUKGroupHoldingsPLCMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander UK Group Holdings plc</link:label>
    <link:label id="lab_san_SantanderUKGroupHoldingsPLCMember_label_en-US" xlink:label="lab_san_SantanderUKGroupHoldingsPLCMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander UK Group Holdings PLC [Member]</link:label>
    <link:label id="lab_san_SantanderUKGroupHoldingsPLCMember_documentation_en-US" xlink:label="lab_san_SantanderUKGroupHoldingsPLCMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander UK Group Holdings PLC</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderUKGroupHoldingsPLCMember" xlink:href="san-20251231.xsd#san_SantanderUKGroupHoldingsPLCMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderUKGroupHoldingsPLCMember" xlink:to="lab_san_SantanderUKGroupHoldingsPLCMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfTradingDerivativesTableTextBlock_019ca0fb-cbee-7f13-963b-38b63f589ce3_terseLabel_en-US" xlink:label="lab_san_DisclosureOfTradingDerivativesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule by type of inherent risk of fair value of trading derivatives</link:label>
    <link:label id="lab_san_DisclosureOfTradingDerivativesTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfTradingDerivativesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Trading Derivatives [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfTradingDerivativesTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfTradingDerivativesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure by type of inherent risk of fair value of derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfTradingDerivativesTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfTradingDerivativesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfTradingDerivativesTableTextBlock" xlink:to="lab_san_DisclosureOfTradingDerivativesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfNumberAndWeightedAverageExercisePricesOfShareOptionsExplanatory_019ca0fb-cbee-7114-8649-7bc219c833fb_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfNumberAndWeightedAverageExercisePricesOfShareOptionsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of options activity</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfNumberAndWeightedAverageExercisePricesOfShareOptionsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfNumberAndWeightedAverageExercisePricesOfShareOptionsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of number and weighted average exercise prices of share options [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfNumberAndWeightedAverageExercisePricesOfShareOptionsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfNumberAndWeightedAverageExercisePricesOfShareOptionsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfNumberAndWeightedAverageExercisePricesOfShareOptionsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfNumberAndWeightedAverageExercisePricesOfShareOptionsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseInNonControllingInterestModificationOfParticipationRates_019ca0fb-cbee-7a76-8564-6ae7ae63fc3c_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseInNonControllingInterestModificationOfParticipationRates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Modification of participation rates</link:label>
    <link:label id="lab_san_IncreaseDecreaseInNonControllingInterestModificationOfParticipationRates_label_en-US" xlink:label="lab_san_IncreaseDecreaseInNonControllingInterestModificationOfParticipationRates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Non-Controlling Interest, Modification Of Participation Rates</link:label>
    <link:label id="lab_san_IncreaseDecreaseInNonControllingInterestModificationOfParticipationRates_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseInNonControllingInterestModificationOfParticipationRates" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) in noncontrolling interest due to modification of participation rates.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseInNonControllingInterestModificationOfParticipationRates" xlink:href="san-20251231.xsd#san_IncreaseDecreaseInNonControllingInterestModificationOfParticipationRates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseInNonControllingInterestModificationOfParticipationRates" xlink:to="lab_san_IncreaseDecreaseInNonControllingInterestModificationOfParticipationRates" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets_019ca0fb-c94e-79ac-823d-091dea01d051_terseLabel_en-US" xlink:label="lab_san_IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Level 2 capital coefficient (TIER 2)</link:label>
    <link:label id="lab_san_IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets_label_en-US" xlink:label="lab_san_IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS Tier Two Risk Based Capital To Risk Weighted Assets</link:label>
    <link:label id="lab_san_IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets_documentation_en-US" xlink:label="lab_san_IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of Common Equity Tier Two Risk-based Capital to total risk-weighted assets, as defined by regulatory framework.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets" xlink:href="san-20251231.xsd#san_IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets" xlink:to="lab_san_IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PSABankDeutschlandGmbHMember_019ca0fb-cbee-77b7-9898-373b9c6fd97f_terseLabel_en-US" xlink:label="lab_san_PSABankDeutschlandGmbHMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PSA Bank Deutschland GmbH</link:label>
    <link:label id="lab_san_PSABankDeutschlandGmbHMember_label_en-US" xlink:label="lab_san_PSABankDeutschlandGmbHMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PSA Bank Deutschland GmbH [Member]</link:label>
    <link:label id="lab_san_PSABankDeutschlandGmbHMember_documentation_en-US" xlink:label="lab_san_PSABankDeutschlandGmbHMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to PSA Bank Deutschland GmbH, a subsidiary of the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PSABankDeutschlandGmbHMember" xlink:href="san-20251231.xsd#san_PSABankDeutschlandGmbHMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PSABankDeutschlandGmbHMember" xlink:to="lab_san_PSABankDeutschlandGmbHMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ResponsibleBankingSustainabilityAndCultureCommitteeChairmanMember_019ca0fb-cb6b-755b-9e41-19c6cdd0bcbe_terseLabel_en-US" xlink:label="lab_san_ResponsibleBankingSustainabilityAndCultureCommitteeChairmanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Chair of the responsible banking, sustainability and culture committee</link:label>
    <link:label id="lab_san_ResponsibleBankingSustainabilityAndCultureCommitteeChairmanMember_label_en-US" xlink:label="lab_san_ResponsibleBankingSustainabilityAndCultureCommitteeChairmanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Responsible Banking Sustainability And Culture Committee, Chairman [Member]</link:label>
    <link:label id="lab_san_ResponsibleBankingSustainabilityAndCultureCommitteeChairmanMember_documentation_en-US" xlink:label="lab_san_ResponsibleBankingSustainabilityAndCultureCommitteeChairmanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to the Chairman of the Responsible Banking Sustainability and Culture Committee.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ResponsibleBankingSustainabilityAndCultureCommitteeChairmanMember" xlink:href="san-20251231.xsd#san_ResponsibleBankingSustainabilityAndCultureCommitteeChairmanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ResponsibleBankingSustainabilityAndCultureCommitteeChairmanMember" xlink:to="lab_san_ResponsibleBankingSustainabilityAndCultureCommitteeChairmanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CreditRelatedFeeAndCommissionIncomeOrders_019ca0fb-c9cd-72fd-9322-c5e1f5db5e76_terseLabel_en-US" xlink:label="lab_san_CreditRelatedFeeAndCommissionIncomeOrders" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Orders</link:label>
    <link:label id="lab_san_CreditRelatedFeeAndCommissionIncomeOrders_label_en-US" xlink:label="lab_san_CreditRelatedFeeAndCommissionIncomeOrders" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Related Fee And Commission Income Orders</link:label>
    <link:label id="lab_san_CreditRelatedFeeAndCommissionIncomeOrders_documentation_en-US" xlink:label="lab_san_CreditRelatedFeeAndCommissionIncomeOrders" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of income recognised from credit-related fees and commissions from orders.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CreditRelatedFeeAndCommissionIncomeOrders" xlink:href="san-20251231.xsd#san_CreditRelatedFeeAndCommissionIncomeOrders"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CreditRelatedFeeAndCommissionIncomeOrders" xlink:to="lab_san_CreditRelatedFeeAndCommissionIncomeOrders" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProvisionsForPensionsAndSimilarObligationsMember_019ca0fb-cad3-752c-9702-075c8e53fd30_terseLabel_en-US" xlink:label="lab_san_ProvisionsForPensionsAndSimilarObligationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision for pensions and other obligations post -employments and Other long term employee benefits</link:label>
    <link:label id="lab_san_ProvisionsForPensionsAndSimilarObligationsMember_label_en-US" xlink:label="lab_san_ProvisionsForPensionsAndSimilarObligationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provisions For Pensions And Similar Obligations [Member]</link:label>
    <link:label id="lab_san_ProvisionsForPensionsAndSimilarObligationsMember_documentation_en-US" xlink:label="lab_san_ProvisionsForPensionsAndSimilarObligationsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for provisions for pensions and similar obligations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProvisionsForPensionsAndSimilarObligationsMember" xlink:href="san-20251231.xsd#san_ProvisionsForPensionsAndSimilarObligationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProvisionsForPensionsAndSimilarObligationsMember" xlink:to="lab_san_ProvisionsForPensionsAndSimilarObligationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SCGermanyS.A.CompartmentConsumer20241Member_019ca0fb-c94e-76de-9807-63e7799dc9aa_terseLabel_en-US" xlink:label="lab_san_SCGermanyS.A.CompartmentConsumer20241Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SC Germany S.A., Compartment Consumer 2024-1</link:label>
    <link:label id="lab_san_SCGermanyS.A.CompartmentConsumer20241Member_label_en-US" xlink:label="lab_san_SCGermanyS.A.CompartmentConsumer20241Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SC Germany S.A., Compartment Consumer 2024-1 [Member]</link:label>
    <link:label id="lab_san_SCGermanyS.A.CompartmentConsumer20241Member_documentation_en-US" xlink:label="lab_san_SCGermanyS.A.CompartmentConsumer20241Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">SC Germany S.A., Compartment Consumer 2024-1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SCGermanyS.A.CompartmentConsumer20241Member" xlink:href="san-20251231.xsd#san_SCGermanyS.A.CompartmentConsumer20241Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SCGermanyS.A.CompartmentConsumer20241Member" xlink:to="lab_san_SCGermanyS.A.CompartmentConsumer20241Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TerritorialJurisdictionAxis_019ca0fb-cbee-7e04-a546-38181b2c4ed9_terseLabel_en-US" xlink:label="lab_san_TerritorialJurisdictionAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Territorial Jurisdiction [Axis]</link:label>
    <link:label id="lab_san_TerritorialJurisdictionAxis_label_en-US" xlink:label="lab_san_TerritorialJurisdictionAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Territorial Jurisdiction [Axis]</link:label>
    <link:label id="lab_san_TerritorialJurisdictionAxis_documentation_en-US" xlink:label="lab_san_TerritorialJurisdictionAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Territorial Jurisdiction</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TerritorialJurisdictionAxis" xlink:href="san-20251231.xsd#san_TerritorialJurisdictionAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TerritorialJurisdictionAxis" xlink:to="lab_san_TerritorialJurisdictionAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfNetGrossAndReinsurersShareForAmountsArisingFromInsuranceContractsExplanatory_019ca0fb-ca4e-7754-b141-7637f5243005_terseLabel_en-US" xlink:label="lab_san_DisclosureOfNetGrossAndReinsurersShareForAmountsArisingFromInsuranceContractsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of liabilities under insurance contracts and reinsurance assets in the consolidated balance sheets</link:label>
    <link:label id="lab_san_DisclosureOfNetGrossAndReinsurersShareForAmountsArisingFromInsuranceContractsExplanatory_label_en-US" xlink:label="lab_san_DisclosureOfNetGrossAndReinsurersShareForAmountsArisingFromInsuranceContractsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of net, gross and reinsurer's share for amounts arising from insurance contracts [text block]</link:label>
    <link:label id="lab_san_DisclosureOfNetGrossAndReinsurersShareForAmountsArisingFromInsuranceContractsExplanatory_documentation_en-US" xlink:label="lab_san_DisclosureOfNetGrossAndReinsurersShareForAmountsArisingFromInsuranceContractsExplanatory" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of the net and gross amounts and the reinsurer's share for amounts arising from insurance contracts. [Refer: Types of insurance contracts [member]]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfNetGrossAndReinsurersShareForAmountsArisingFromInsuranceContractsExplanatory" xlink:href="san-20251231.xsd#san_DisclosureOfNetGrossAndReinsurersShareForAmountsArisingFromInsuranceContractsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfNetGrossAndReinsurersShareForAmountsArisingFromInsuranceContractsExplanatory" xlink:to="lab_san_DisclosureOfNetGrossAndReinsurersShareForAmountsArisingFromInsuranceContractsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PortionOfConsiderationPaidReceivedInCashPerShare_019ca0fb-c94e-77c1-afe6-84e01b1629d0_terseLabel_en-US" xlink:label="lab_san_PortionOfConsiderationPaidReceivedInCashPerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Portion of consideration paid (received) in cash per share</link:label>
    <link:label id="lab_san_PortionOfConsiderationPaidReceivedInCashPerShare_label_en-US" xlink:label="lab_san_PortionOfConsiderationPaidReceivedInCashPerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Portion Of Consideration Paid (Received) In Cash Per Share</link:label>
    <link:label id="lab_san_PortionOfConsiderationPaidReceivedInCashPerShare_documentation_en-US" xlink:label="lab_san_PortionOfConsiderationPaidReceivedInCashPerShare" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Portion Of Consideration Paid (Received) In Cash Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PortionOfConsiderationPaidReceivedInCashPerShare" xlink:href="san-20251231.xsd#san_PortionOfConsiderationPaidReceivedInCashPerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PortionOfConsiderationPaidReceivedInCashPerShare" xlink:to="lab_san_PortionOfConsiderationPaidReceivedInCashPerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CommodityPriceRiskMember_019ca0fb-c9cd-770b-aafb-46552e7b601b_terseLabel_en-US" xlink:label="lab_ifrs-full_CommodityPriceRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commodities</link:label>
    <link:label id="lab_ifrs-full_CommodityPriceRiskMember_label_en-US" xlink:label="lab_ifrs-full_CommodityPriceRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commodity price risk [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CommodityPriceRiskMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CommodityPriceRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CommodityPriceRiskMember" xlink:to="lab_ifrs-full_CommodityPriceRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges_019ca0fb-cad3-7bb1-9791-4593f5c950bc_terseLabel_en-US" xlink:label="lab_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated amount of fair value adjustments on the hedged item - Assets</link:label>
    <link:label id="lab_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges_label_en-US" xlink:label="lab_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Fair Value Hedge Adjustment On Hedged Item Recognised As An Asset, Macro And Micro Hedges</link:label>
    <link:label id="lab_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges_documentation_en-US" xlink:label="lab_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The accumulated amount of fair value hedge adjustment on a hedged item recognised as an asset. This value includes both macro and micro hedges and is a non-ifrs measurement used by management.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges" xlink:href="san-20251231.xsd#san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges" xlink:to="lab_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MerchantPlatformInGermanyAndSuperdigitalInLatinAmericaMember_019d25e7-3e49-7979-990e-8fd98172354f_terseLabel_en-US" xlink:label="lab_san_MerchantPlatformInGermanyAndSuperdigitalInLatinAmericaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Merchant Platform in Germany and Superdigital in Latin America</link:label>
    <link:label id="lab_san_MerchantPlatformInGermanyAndSuperdigitalInLatinAmericaMember_label_en-US" xlink:label="lab_san_MerchantPlatformInGermanyAndSuperdigitalInLatinAmericaMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Merchant Platform in Germany and Superdigital in Latin America [Member]</link:label>
    <link:label id="lab_san_MerchantPlatformInGermanyAndSuperdigitalInLatinAmericaMember_documentation_en-US" xlink:label="lab_san_MerchantPlatformInGermanyAndSuperdigitalInLatinAmericaMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Merchant Platform in Germany and Superdigital in Latin America</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MerchantPlatformInGermanyAndSuperdigitalInLatinAmericaMember" xlink:href="san-20251231.xsd#san_MerchantPlatformInGermanyAndSuperdigitalInLatinAmericaMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MerchantPlatformInGermanyAndSuperdigitalInLatinAmericaMember" xlink:to="lab_san_MerchantPlatformInGermanyAndSuperdigitalInLatinAmericaMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TradingIncomeExpense_019ca0fb-c94e-7d99-843e-b2526dd686ab_terseLabel_en-US" xlink:label="lab_ifrs-full_TradingIncomeExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net trading income</link:label>
    <link:label id="lab_ifrs-full_TradingIncomeExpense_label_en-US" xlink:label="lab_ifrs-full_TradingIncomeExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading income (expense)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TradingIncomeExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TradingIncomeExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TradingIncomeExpense" xlink:to="lab_ifrs-full_TradingIncomeExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TaxCreditsDeferredTaxAssetsNotRecognized_019ca0fb-c94e-7cec-a1b2-b92c028d8aba_terseLabel_en-US" xlink:label="lab_san_TaxCreditsDeferredTaxAssetsNotRecognized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax credits, deferred tax assets not recognized</link:label>
    <link:label id="lab_san_TaxCreditsDeferredTaxAssetsNotRecognized_label_en-US" xlink:label="lab_san_TaxCreditsDeferredTaxAssetsNotRecognized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Credits, Deferred Tax Assets Not Recognized</link:label>
    <link:label id="lab_san_TaxCreditsDeferredTaxAssetsNotRecognized_documentation_en-US" xlink:label="lab_san_TaxCreditsDeferredTaxAssetsNotRecognized" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax Credits, Deferred Tax Assets Not Recognized</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TaxCreditsDeferredTaxAssetsNotRecognized" xlink:href="san-20251231.xsd#san_TaxCreditsDeferredTaxAssetsNotRecognized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TaxCreditsDeferredTaxAssetsNotRecognized" xlink:to="lab_san_TaxCreditsDeferredTaxAssetsNotRecognized" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions_019ca0fb-c94e-72ae-a5b0-f42f332b5cef_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based payment</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) through share-based payment transactions, equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfTradingSessionsPriorToApprovalOfScheme_019ca0fb-cad3-7fe7-846d-e595f1409066_terseLabel_en-US" xlink:label="lab_san_NumberOfTradingSessionsPriorToApprovalOfScheme" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of trading sessions</link:label>
    <link:label id="lab_san_NumberOfTradingSessionsPriorToApprovalOfScheme_label_en-US" xlink:label="lab_san_NumberOfTradingSessionsPriorToApprovalOfScheme" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Trading Sessions Prior To Approval Of Scheme</link:label>
    <link:label id="lab_san_NumberOfTradingSessionsPriorToApprovalOfScheme_documentation_en-US" xlink:label="lab_san_NumberOfTradingSessionsPriorToApprovalOfScheme" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of trading sessions between prior to the approval of the scheme by UK tax authorities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfTradingSessionsPriorToApprovalOfScheme" xlink:href="san-20251231.xsd#san_NumberOfTradingSessionsPriorToApprovalOfScheme"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfTradingSessionsPriorToApprovalOfScheme" xlink:to="lab_san_NumberOfTradingSessionsPriorToApprovalOfScheme" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations_019ca0fb-cad3-7fa9-9d9d-9d8545eeb2b8_verboseLabel_en-US" xlink:label="lab_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Basic earnings (loss) per share from discontinued operations (in euro per share)</link:label>
    <link:label id="lab_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations_label_en-US" xlink:label="lab_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Basic earnings (loss) per share from discontinued operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations" xlink:to="lab_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfNonControllingInterestChangesExplanatoryTableTextBlock_019ca0fb-c9cd-7b7b-adf4-7eecf2c3f02a_terseLabel_en-US" xlink:label="lab_san_DisclosureOfNonControllingInterestChangesExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of changes in non-controlling interests</link:label>
    <link:label id="lab_san_DisclosureOfNonControllingInterestChangesExplanatoryTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfNonControllingInterestChangesExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Non-Controlling Interest Changes Explanatory [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfNonControllingInterestChangesExplanatoryTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfNonControllingInterestChangesExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of changes to non-controlling Interest.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfNonControllingInterestChangesExplanatoryTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfNonControllingInterestChangesExplanatoryTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfNonControllingInterestChangesExplanatoryTableTextBlock" xlink:to="lab_san_DisclosureOfNonControllingInterestChangesExplanatoryTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansAndAdvancesCustomersIncludingProvisionsForUndrawnAuthorizedMember_019ca0fb-c94e-786b-83c3-cb9a5ada5781_terseLabel_en-US" xlink:label="lab_san_LoansAndAdvancesCustomersIncludingProvisionsForUndrawnAuthorizedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances, customers including provisions for undrawn authorized</link:label>
    <link:label id="lab_san_LoansAndAdvancesCustomersIncludingProvisionsForUndrawnAuthorizedMember_label_en-US" xlink:label="lab_san_LoansAndAdvancesCustomersIncludingProvisionsForUndrawnAuthorizedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans And Advances, Customers Including Provisions For Undrawn Authorized [Member]</link:label>
    <link:label id="lab_san_LoansAndAdvancesCustomersIncludingProvisionsForUndrawnAuthorizedMember_documentation_en-US" xlink:label="lab_san_LoansAndAdvancesCustomersIncludingProvisionsForUndrawnAuthorizedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans And Advances, Customers Including Provisions For Undrawn Authorized</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansAndAdvancesCustomersIncludingProvisionsForUndrawnAuthorizedMember" xlink:href="san-20251231.xsd#san_LoansAndAdvancesCustomersIncludingProvisionsForUndrawnAuthorizedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansAndAdvancesCustomersIncludingProvisionsForUndrawnAuthorizedMember" xlink:to="lab_san_LoansAndAdvancesCustomersIncludingProvisionsForUndrawnAuthorizedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember_019ca0fb-cbee-7d76-aee9-886e82179756_terseLabel_en-US" xlink:label="lab_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedges of net investments in foreign operations</link:label>
    <link:label id="lab_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember_019ca0fb-cbee-72df-a157-5e7e6b30b542_verboseLabel_en-US" xlink:label="lab_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net foreign investments hedges</link:label>
    <link:label id="lab_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember_label_en-US" xlink:label="lab_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedges of net investment in foreign operations [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember" xlink:to="lab_ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLoss_019ca0fb-c9cd-7d61-be3e-c8cbb56c6cd8_terseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other recognised income and expense of investments in subsidiaries, joint ventures and associates</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLoss_label_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income tax relating to share of other comprehensive income of associates and joint ventures accounted for using equity method that will be reclassified to profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncomeTaxRelatingToShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncomeTaxRelatingToShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncomeTaxRelatingToShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLoss" xlink:to="lab_ifrs-full_IncomeTaxRelatingToShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProportionOfOwnershipInterestInAssociate_019ca0fb-ca4e-7192-8b0c-6f1920f1560e_terseLabel_en-US" xlink:label="lab_ifrs-full_ProportionOfOwnershipInterestInAssociate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ownership interest in associate</link:label>
    <link:label id="lab_ifrs-full_ProportionOfOwnershipInterestInAssociate_label_en-US" xlink:label="lab_ifrs-full_ProportionOfOwnershipInterestInAssociate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proportion of ownership interest in associate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProportionOfOwnershipInterestInAssociate" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProportionOfOwnershipInterestInAssociate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProportionOfOwnershipInterestInAssociate" xlink:to="lab_ifrs-full_ProportionOfOwnershipInterestInAssociate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfDepositsLineItems_019ca0fb-cc70-7b61-9cda-e7163144cd34_terseLabel_en-US" xlink:label="lab_san_DisclosureOfDepositsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure Of Deposits [Line Items]</link:label>
    <link:label id="lab_san_DisclosureOfDepositsLineItems_label_en-US" xlink:label="lab_san_DisclosureOfDepositsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Deposits [Line Items]</link:label>
    <link:label id="lab_san_DisclosureOfDepositsLineItems_documentation_en-US" xlink:label="lab_san_DisclosureOfDepositsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Deposits [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfDepositsLineItems" xlink:href="san-20251231.xsd#san_DisclosureOfDepositsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfDepositsLineItems" xlink:to="lab_san_DisclosureOfDepositsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities_019ca0fb-c94e-74ff-bbf0-9958ac8581d2_terseLabel_en-US" xlink:label="lab_san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Committed assets</link:label>
    <link:label id="lab_san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities_label_en-US" xlink:label="lab_san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Committed Assets, Including Own Debt Securities Other Than Covered Bonds And Asset Backed Securities</link:label>
    <link:label id="lab_san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities_documentation_en-US" xlink:label="lab_san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Committed Assets, Including Own Debt Securities Other Than Covered Bonds And Asset Backed Securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities" xlink:href="san-20251231.xsd#san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities" xlink:to="lab_san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_RON_019ca0fb-ca4e-7fee-8e6e-4e80b98b97fa_terseLabel_en-US" xlink:label="lab_currency_RON" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">RON</link:label>
    <link:label id="lab_currency_RON_label_en-US" xlink:label="lab_currency_RON" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Romania, New Lei</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_RON" xlink:href="https://xbrl.sec.gov/currency/2025/currency-2025.xsd#currency_RON"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_RON" xlink:to="lab_currency_RON" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfSubsidiariesTaxResidentInTheUK_019ca0fb-c9cd-7b83-bb00-515e5e0ae787_terseLabel_en-US" xlink:label="lab_san_NumberOfSubsidiariesTaxResidentInTheUK" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of subsidiaries tax resident in the UK</link:label>
    <link:label id="lab_san_NumberOfSubsidiariesTaxResidentInTheUK_label_en-US" xlink:label="lab_san_NumberOfSubsidiariesTaxResidentInTheUK" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Subsidiaries Tax Resident In The UK</link:label>
    <link:label id="lab_san_NumberOfSubsidiariesTaxResidentInTheUK_documentation_en-US" xlink:label="lab_san_NumberOfSubsidiariesTaxResidentInTheUK" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of subsidiaries tax resident in UK.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfSubsidiariesTaxResidentInTheUK" xlink:href="san-20251231.xsd#san_NumberOfSubsidiariesTaxResidentInTheUK"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfSubsidiariesTaxResidentInTheUK" xlink:to="lab_san_NumberOfSubsidiariesTaxResidentInTheUK" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CrestDepositaryInterestShareEquivalent_019ca0fb-cbee-7895-8a8c-543d94115371_terseLabel_en-US" xlink:label="lab_san_CrestDepositaryInterestShareEquivalent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Crest depositary interest, share equivalent (in shares)</link:label>
    <link:label id="lab_san_CrestDepositaryInterestShareEquivalent_label_en-US" xlink:label="lab_san_CrestDepositaryInterestShareEquivalent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Crest Depositary Interest, Share Equivalent</link:label>
    <link:label id="lab_san_CrestDepositaryInterestShareEquivalent_documentation_en-US" xlink:label="lab_san_CrestDepositaryInterestShareEquivalent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of entity shares equivalent to a Crest Depositary Interest (CDI) listed on the London Stock Exchange.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CrestDepositaryInterestShareEquivalent" xlink:href="san-20251231.xsd#san_CrestDepositaryInterestShareEquivalent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CrestDepositaryInterestShareEquivalent" xlink:to="lab_san_CrestDepositaryInterestShareEquivalent" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory_019ca0fb-ca4e-78a6-ace4-d75378a9a7cd_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other operating income and expenses</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of other operating income (expense) [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory" xlink:to="lab_ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss_019ca0fb-cc70-7e7f-97fe-0f89dc9ade69_verboseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Exchange differences, net</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss_019ca0fb-cc70-774b-9074-3ed435d2bcf4_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreign exchange gain (loss)</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss_019ca0fb-cc70-7ca4-91b5-d4170b7de84f_netLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Movement</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss_label_en-US" xlink:label="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign exchange gain (loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" xlink:to="lab_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TechnicalReportsExpense_019ca0fb-ca4e-72d2-a9be-452c7d310b41_terseLabel_en-US" xlink:label="lab_san_TechnicalReportsExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Technical reports</link:label>
    <link:label id="lab_san_TechnicalReportsExpense_label_en-US" xlink:label="lab_san_TechnicalReportsExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Technical Reports Expense</link:label>
    <link:label id="lab_san_TechnicalReportsExpense_documentation_en-US" xlink:label="lab_san_TechnicalReportsExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of expense relating to technical reports.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TechnicalReportsExpense" xlink:href="san-20251231.xsd#san_TechnicalReportsExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TechnicalReportsExpense" xlink:to="lab_san_TechnicalReportsExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfPropertyPlantAndEquipmentDomain_019ca0fb-c94e-79b3-b6d3-6f31fedad86b_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfPropertyPlantAndEquipmentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of property, plant and equipment [domain]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfPropertyPlantAndEquipmentDomain_label_en-US" xlink:label="lab_ifrs-full_ClassesOfPropertyPlantAndEquipmentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of property, plant and equipment [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfPropertyPlantAndEquipmentDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfPropertyPlantAndEquipmentDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfPropertyPlantAndEquipmentDomain" xlink:to="lab_ifrs-full_ClassesOfPropertyPlantAndEquipmentDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressCountry_019ca0fb-cc70-73a8-8aee-1a6eb4852cb0_terseLabel_en-US" xlink:label="lab_dei_EntityAddressCountry" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Country</link:label>
    <link:label id="lab_dei_EntityAddressCountry_label_en-US" xlink:label="lab_dei_EntityAddressCountry" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Country</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCountry" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressCountry"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressCountry" xlink:to="lab_dei_EntityAddressCountry" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro_019ca0fb-cb6b-7d7e-b3cb-b8331317df1b_terseLabel_en-US" xlink:label="lab_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated amount of fair value adjustments on the hedged item - Liabilities</link:label>
    <link:label id="lab_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro_label_en-US" xlink:label="lab_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Fair Value Hedge Adjustment On Hedged Item Recognised As A Liability, Macro And Micro</link:label>
    <link:label id="lab_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro_documentation_en-US" xlink:label="lab_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The accumulated amount of fair value hedge adjustment on a hedged item recognised as a liability. This value includes both macro and micro hedges and is a non-ifrs measurement used by management.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro" xlink:href="san-20251231.xsd#san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro" xlink:to="lab_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsTable_019ca0fb-cad3-7f38-8567-b22df7aa1cd3_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsTable" xlink:to="lab_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_EUR_019ca0fb-cbee-7b52-9e08-714b611dfd0e_terseLabel_en-US" xlink:label="lab_currency_EUR" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Euro</link:label>
    <link:label id="lab_currency_EUR_019ca0fb-cbee-7aec-918b-cfc6c11c4a1d_verboseLabel_en-US" xlink:label="lab_currency_EUR" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">EUR</link:label>
    <link:label id="lab_currency_EUR_label_en-US" xlink:label="lab_currency_EUR" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Euro Member Countries, Euro</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_EUR" xlink:href="https://xbrl.sec.gov/currency/2025/currency-2025.xsd#currency_EUR"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_EUR" xlink:to="lab_currency_EUR" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProfitLossBeforeTaxFromDiscontinuedOperations_019ca0fb-ca4e-7d20-8a1a-2c9af6cf3845_terseLabel_en-US" xlink:label="lab_san_ProfitLossBeforeTaxFromDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">From discontinued operations</link:label>
    <link:label id="lab_san_ProfitLossBeforeTaxFromDiscontinuedOperations_label_en-US" xlink:label="lab_san_ProfitLossBeforeTaxFromDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit (Loss) Before Tax From Discontinued Operations</link:label>
    <link:label id="lab_san_ProfitLossBeforeTaxFromDiscontinuedOperations_documentation_en-US" xlink:label="lab_san_ProfitLossBeforeTaxFromDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Profit (Loss) Before Tax From Discontinued Operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProfitLossBeforeTaxFromDiscontinuedOperations" xlink:href="san-20251231.xsd#san_ProfitLossBeforeTaxFromDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProfitLossBeforeTaxFromDiscontinuedOperations" xlink:to="lab_san_ProfitLossBeforeTaxFromDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherPurposesLoansMember_019ca0fb-c94e-771f-a8c6-11e79a04728b_terseLabel_en-US" xlink:label="lab_san_OtherPurposesLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other purposes</link:label>
    <link:label id="lab_san_OtherPurposesLoansMember_019ca0fb-c94e-7445-8838-5556f9de9755_verboseLabel_en-US" xlink:label="lab_san_OtherPurposesLoansMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_san_OtherPurposesLoansMember_label_en-US" xlink:label="lab_san_OtherPurposesLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Purposes Loans [Member]</link:label>
    <link:label id="lab_san_OtherPurposesLoansMember_documentation_en-US" xlink:label="lab_san_OtherPurposesLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for other purposes loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherPurposesLoansMember" xlink:href="san-20251231.xsd#san_OtherPurposesLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherPurposesLoansMember" xlink:to="lab_san_OtherPurposesLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfNoncurrentAssetsClassifiedAsHeldForSaleTableTextBlock_019ca0fb-c9cd-71dd-8f79-72a77b12bba1_terseLabel_en-US" xlink:label="lab_san_ScheduleOfNoncurrentAssetsClassifiedAsHeldForSaleTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of non-current assets</link:label>
    <link:label id="lab_san_ScheduleOfNoncurrentAssetsClassifiedAsHeldForSaleTableTextBlock_label_en-US" xlink:label="lab_san_ScheduleOfNoncurrentAssetsClassifiedAsHeldForSaleTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Noncurrent Assets Classified As Held For Sale [Table Text Block]</link:label>
    <link:label id="lab_san_ScheduleOfNoncurrentAssetsClassifiedAsHeldForSaleTableTextBlock_documentation_en-US" xlink:label="lab_san_ScheduleOfNoncurrentAssetsClassifiedAsHeldForSaleTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure related to non-current assets classified as held for sale.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfNoncurrentAssetsClassifiedAsHeldForSaleTableTextBlock" xlink:href="san-20251231.xsd#san_ScheduleOfNoncurrentAssetsClassifiedAsHeldForSaleTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfNoncurrentAssetsClassifiedAsHeldForSaleTableTextBlock" xlink:to="lab_san_ScheduleOfNoncurrentAssetsClassifiedAsHeldForSaleTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract_019ca0fb-cad3-7f62-ab62-f47b39c78812_terseLabel_en-US" xlink:label="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-current assets or disposal groups classified as held for sale or as held for distribution to owners [abstract]</link:label>
    <link:label id="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract_label_en-US" xlink:label="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-current assets or disposal groups classified as held for sale or as held for distribution to owners [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract" xlink:to="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ICOLoanPandemic_019ca0fb-c94e-7fe5-8f76-266204c2e992_terseLabel_en-US" xlink:label="lab_san_ICOLoanPandemic" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ICO loans, pandemic</link:label>
    <link:label id="lab_san_ICOLoanPandemic_label_en-US" xlink:label="lab_san_ICOLoanPandemic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ICO Loan, Pandemic</link:label>
    <link:label id="lab_san_ICOLoanPandemic_documentation_en-US" xlink:label="lab_san_ICOLoanPandemic" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">ICO Loan, Pandemic</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ICOLoanPandemic" xlink:href="san-20251231.xsd#san_ICOLoanPandemic"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ICOLoanPandemic" xlink:to="lab_san_ICOLoanPandemic" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderHoldingUSAIncMember_019ca0fb-ca4e-73b9-8421-f9916381ef56_terseLabel_en-US" xlink:label="lab_san_SantanderHoldingUSAIncMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Holding USA (ex. Auto)</link:label>
    <link:label id="lab_san_SantanderHoldingUSAIncMember_label_en-US" xlink:label="lab_san_SantanderHoldingUSAIncMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Holding USA Inc [Member]</link:label>
    <link:label id="lab_san_SantanderHoldingUSAIncMember_documentation_en-US" xlink:label="lab_san_SantanderHoldingUSAIncMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Santander Holding USA, Inc, a subsidiary of the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderHoldingUSAIncMember" xlink:href="san-20251231.xsd#san_SantanderHoldingUSAIncMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderHoldingUSAIncMember" xlink:to="lab_san_SantanderHoldingUSAIncMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherValuationTechniqueMember_019ca0fb-cbee-7510-bad4-86cc00513abb_terseLabel_en-US" xlink:label="lab_san_OtherValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Others</link:label>
    <link:label id="lab_san_OtherValuationTechniqueMember_label_en-US" xlink:label="lab_san_OtherValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Valuation Technique [Member]</link:label>
    <link:label id="lab_san_OtherValuationTechniqueMember_documentation_en-US" xlink:label="lab_san_OtherValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Valuation Technique</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherValuationTechniqueMember" xlink:href="san-20251231.xsd#san_OtherValuationTechniqueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherValuationTechniqueMember" xlink:to="lab_san_OtherValuationTechniqueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredTaxExpenseTaxLiabilityIncomeTaxExpenseRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems_019ca0fb-cb6b-76fa-b4a2-9a1898bedb96_negatedLabel_en-US" xlink:label="lab_san_DeferredTaxExpenseTaxLiabilityIncomeTaxExpenseRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Foreign currency balance translation differences and other items</link:label>
    <link:label id="lab_san_DeferredTaxExpenseTaxLiabilityIncomeTaxExpenseRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems_label_en-US" xlink:label="lab_san_DeferredTaxExpenseTaxLiabilityIncomeTaxExpenseRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Expense Tax Liability Income Tax Expense Relating To Components Of Foreign Currency Balance Translation Differences And Other Items</link:label>
    <link:label id="lab_san_DeferredTaxExpenseTaxLiabilityIncomeTaxExpenseRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems_documentation_en-US" xlink:label="lab_san_DeferredTaxExpenseTaxLiabilityIncomeTaxExpenseRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of income tax relating to amounts recognized from foreign currency balance translation differences and other items.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredTaxExpenseTaxLiabilityIncomeTaxExpenseRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" xlink:href="san-20251231.xsd#san_DeferredTaxExpenseTaxLiabilityIncomeTaxExpenseRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredTaxExpenseTaxLiabilityIncomeTaxExpenseRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" xlink:to="lab_san_DeferredTaxExpenseTaxLiabilityIncomeTaxExpenseRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherProceedsOfCashClassifiedAsInvestingActivities_019ca0fb-cb6b-70c1-ad28-57566bbabfa2_terseLabel_en-US" xlink:label="lab_san_OtherProceedsOfCashClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other proceeds related to investing activities</link:label>
    <link:label id="lab_san_OtherProceedsOfCashClassifiedAsInvestingActivities_label_en-US" xlink:label="lab_san_OtherProceedsOfCashClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Proceeds Of Cash Classified As Investing Activities</link:label>
    <link:label id="lab_san_OtherProceedsOfCashClassifiedAsInvestingActivities_documentation_en-US" xlink:label="lab_san_OtherProceedsOfCashClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Proceeds Of Cash Classified As Investing Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherProceedsOfCashClassifiedAsInvestingActivities" xlink:href="san-20251231.xsd#san_OtherProceedsOfCashClassifiedAsInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherProceedsOfCashClassifiedAsInvestingActivities" xlink:to="lab_san_OtherProceedsOfCashClassifiedAsInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GeographicalAreasDomain_019ca0fb-cad3-708d-90f0-4d841c5de106_terseLabel_en-US" xlink:label="lab_ifrs-full_GeographicalAreasDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Geographical areas [domain]</link:label>
    <link:label id="lab_ifrs-full_GeographicalAreasDomain_label_en-US" xlink:label="lab_ifrs-full_GeographicalAreasDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Geographical areas [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GeographicalAreasDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GeographicalAreasDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GeographicalAreasDomain" xlink:to="lab_ifrs-full_GeographicalAreasDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_019ca0fb-cb6b-71d6-a4b2-d98ad2d29c4a_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Debt instruments at fair value with changes in other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other comprehensive income, before tax, financial assets measured at fair value through other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialRiskManagementExplanatory_019ca0fb-cbee-7e85-9f15-3ded41d4b2eb_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialRiskManagementExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Risk management</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialRiskManagementExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialRiskManagementExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of financial risk management [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFinancialRiskManagementExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfFinancialRiskManagementExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFinancialRiskManagementExplanatory" xlink:to="lab_ifrs-full_DisclosureOfFinancialRiskManagementExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DigitalTransformationAward2022Member_019ca0fb-ca4e-7cd1-98bb-f49671011978_terseLabel_en-US" xlink:label="lab_san_DigitalTransformationAward2022Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2022</link:label>
    <link:label id="lab_san_DigitalTransformationAward2022Member_label_en-US" xlink:label="lab_san_DigitalTransformationAward2022Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2022 [Member]</link:label>
    <link:label id="lab_san_DigitalTransformationAward2022Member_documentation_en-US" xlink:label="lab_san_DigitalTransformationAward2022Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2022</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DigitalTransformationAward2022Member" xlink:href="san-20251231.xsd#san_DigitalTransformationAward2022Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DigitalTransformationAward2022Member" xlink:to="lab_san_DigitalTransformationAward2022Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember_019ca0fb-cb6b-7e8a-924c-e356cea8d921_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustments due to changes in accounting policies</link:label>
    <link:label id="lab_ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember_label_en-US" xlink:label="lab_ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) due to changes in accounting policy [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember" xlink:to="lab_ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeLoanServicingActivies_019ca0fb-c94d-7964-8c51-454626aad3e0_terseLabel_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeLoanServicingActivies" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan Servicing activities</link:label>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeLoanServicingActivies_label_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeLoanServicingActivies" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Fee And Commission Income, Loan Servicing Activies</link:label>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeLoanServicingActivies_documentation_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeLoanServicingActivies" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Fee And Commission Income, Loan Servicing Activies</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherFeeAndCommissionIncomeLoanServicingActivies" xlink:href="san-20251231.xsd#san_OtherFeeAndCommissionIncomeLoanServicingActivies"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherFeeAndCommissionIncomeLoanServicingActivies" xlink:to="lab_san_OtherFeeAndCommissionIncomeLoanServicingActivies" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfOtherLiabilitiesExplanatory_019ca0fb-ca4e-7fe6-91d4-4d1438900af3_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfOtherLiabilitiesExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other liabilities</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfOtherLiabilitiesExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfOtherLiabilitiesExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of other liabilities [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfOtherLiabilitiesExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfOtherLiabilitiesExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfOtherLiabilitiesExplanatory" xlink:to="lab_ifrs-full_DisclosureOfOtherLiabilitiesExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderUKGroupMember_019ca0fb-cad3-7965-87c7-8f7ceda5faf0_terseLabel_en-US" xlink:label="lab_san_SantanderUKGroupMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander UK</link:label>
    <link:label id="lab_san_SantanderUKGroupMember_019ca0fb-cad3-7f08-bef7-814669157a8f_netLabel_en-US" xlink:label="lab_san_SantanderUKGroupMember" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Santander UK Group</link:label>
    <link:label id="lab_san_SantanderUKGroupMember_label_en-US" xlink:label="lab_san_SantanderUKGroupMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander UK Group [Member]</link:label>
    <link:label id="lab_san_SantanderUKGroupMember_documentation_en-US" xlink:label="lab_san_SantanderUKGroupMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Grupo Santander UK., a subsidiary of the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderUKGroupMember" xlink:href="san-20251231.xsd#san_SantanderUKGroupMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderUKGroupMember" xlink:to="lab_san_SantanderUKGroupMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DecreaseInNonPerformingRatioPercent_019ca0fb-cbee-74b1-9b01-14d8893d269c_terseLabel_en-US" xlink:label="lab_san_DecreaseInNonPerformingRatioPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Decrease in non-performing ratio</link:label>
    <link:label id="lab_san_DecreaseInNonPerformingRatioPercent_label_en-US" xlink:label="lab_san_DecreaseInNonPerformingRatioPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease In Non-Performing Ratio, Percent</link:label>
    <link:label id="lab_san_DecreaseInNonPerformingRatioPercent_documentation_en-US" xlink:label="lab_san_DecreaseInNonPerformingRatioPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Decrease In Non-Performing Ratio, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DecreaseInNonPerformingRatioPercent" xlink:href="san-20251231.xsd#san_DecreaseInNonPerformingRatioPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DecreaseInNonPerformingRatioPercent" xlink:to="lab_san_DecreaseInNonPerformingRatioPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonEuroMember_019ca0fb-ca4e-7c37-9b9a-d13da4e9a179_terseLabel_en-US" xlink:label="lab_san_NonEuroMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-Euro</link:label>
    <link:label id="lab_san_NonEuroMember_label_en-US" xlink:label="lab_san_NonEuroMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non Euro [Member]</link:label>
    <link:label id="lab_san_NonEuroMember_documentation_en-US" xlink:label="lab_san_NonEuroMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information related to amounts derived from non-euro currencies.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonEuroMember" xlink:href="san-20251231.xsd#san_NonEuroMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonEuroMember" xlink:to="lab_san_NonEuroMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfCashPaidForVestedSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock_019ca0fb-cb6b-701e-a5ca-34d031fc6431_terseLabel_en-US" xlink:label="lab_san_DisclosureOfCashPaidForVestedSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule summarising the cash paid for awards</link:label>
    <link:label id="lab_san_DisclosureOfCashPaidForVestedSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfCashPaidForVestedSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Cash Paid For Vested Shares Assigned Between Related Parties, Remuneration, Deferred Variable Remuneration Plans [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfCashPaidForVestedSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfCashPaidForVestedSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of cash paid for vested shares assigned between related parties under deferred variable remuneration plans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfCashPaidForVestedSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfCashPaidForVestedSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfCashPaidForVestedSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock" xlink:to="lab_san_DisclosureOfCashPaidForVestedSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedIssueTerm_019ca0fb-cad3-7b8e-a159-d88f85b10656_terseLabel_en-US" xlink:label="lab_san_SubordinatedIssueTerm" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated issue, term</link:label>
    <link:label id="lab_san_SubordinatedIssueTerm_label_en-US" xlink:label="lab_san_SubordinatedIssueTerm" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Issue, Term</link:label>
    <link:label id="lab_san_SubordinatedIssueTerm_documentation_en-US" xlink:label="lab_san_SubordinatedIssueTerm" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Issue, Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedIssueTerm" xlink:href="san-20251231.xsd#san_SubordinatedIssueTerm"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedIssueTerm" xlink:to="lab_san_SubordinatedIssueTerm" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ReserveOfHedgingInstruments_019ca0fb-cad3-7da2-9680-eecef00bcab4_periodStartLabel_en-US" xlink:label="lab_san_ReserveOfHedgingInstruments" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance at beginning of year</link:label>
    <link:label id="lab_san_ReserveOfHedgingInstruments_019ca0fb-cad3-72d9-87cc-c5fe37b930fb_periodEndLabel_en-US" xlink:label="lab_san_ReserveOfHedgingInstruments" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance at end of year</link:label>
    <link:label id="lab_san_ReserveOfHedgingInstruments_label_en-US" xlink:label="lab_san_ReserveOfHedgingInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reserve Of Hedging Instruments</link:label>
    <link:label id="lab_san_ReserveOfHedgingInstruments_documentation_en-US" xlink:label="lab_san_ReserveOfHedgingInstruments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reserve Of Hedging Instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ReserveOfHedgingInstruments" xlink:href="san-20251231.xsd#san_ReserveOfHedgingInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ReserveOfHedgingInstruments" xlink:to="lab_san_ReserveOfHedgingInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfCreditRiskExposureTable_019ca0fb-cc70-786e-a1ab-b460a353b97d_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfCreditRiskExposureTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of credit risk exposure [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfCreditRiskExposureTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfCreditRiskExposureTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of credit risk exposure [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfCreditRiskExposureTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfCreditRiskExposureTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfCreditRiskExposureTable" xlink:to="lab_ifrs-full_DisclosureOfCreditRiskExposureTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OffBalanceSheetAssetsMember_019ca0fb-ca4e-7cbe-9973-e9cc2aabefd9_terseLabel_en-US" xlink:label="lab_san_OffBalanceSheetAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Off-balance-sheet assets</link:label>
    <link:label id="lab_san_OffBalanceSheetAssetsMember_label_en-US" xlink:label="lab_san_OffBalanceSheetAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Off-Balance Sheet Assets [Member]</link:label>
    <link:label id="lab_san_OffBalanceSheetAssetsMember_documentation_en-US" xlink:label="lab_san_OffBalanceSheetAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents a resource of an entity on an item that is a positive sign of future economic value and financial position that is not recorded on the balance sheet.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OffBalanceSheetAssetsMember" xlink:href="san-20251231.xsd#san_OffBalanceSheetAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OffBalanceSheetAssetsMember" xlink:to="lab_san_OffBalanceSheetAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfMaterialAccountingPolicyInformationExplanatory_019ca0fb-ca4e-72d7-bbd7-c600d8539a23_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfMaterialAccountingPolicyInformationExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounting policies</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfMaterialAccountingPolicyInformationExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfMaterialAccountingPolicyInformationExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of material accounting policy information [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfMaterialAccountingPolicyInformationExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfMaterialAccountingPolicyInformationExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfMaterialAccountingPolicyInformationExplanatory" xlink:to="lab_ifrs-full_DisclosureOfMaterialAccountingPolicyInformationExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GainsLossesRecognisedInProfitOrLossFairValueMeasurement_019ca0fb-c94e-71fe-ba42-7ce126177c60_terseLabel_en-US" xlink:label="lab_san_GainsLossesRecognisedInProfitOrLossFairValueMeasurement" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gain (loss) recognized in profit and loss</link:label>
    <link:label id="lab_san_GainsLossesRecognisedInProfitOrLossFairValueMeasurement_label_en-US" xlink:label="lab_san_GainsLossesRecognisedInProfitOrLossFairValueMeasurement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (Losses) Recognised In Profit Or Loss, Fair Value Measurement</link:label>
    <link:label id="lab_san_GainsLossesRecognisedInProfitOrLossFairValueMeasurement_documentation_en-US" xlink:label="lab_san_GainsLossesRecognisedInProfitOrLossFairValueMeasurement" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The net gains (losses) recognised in profit or loss on the fair value measurement of assets and liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GainsLossesRecognisedInProfitOrLossFairValueMeasurement" xlink:href="san-20251231.xsd#san_GainsLossesRecognisedInProfitOrLossFairValueMeasurement"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GainsLossesRecognisedInProfitOrLossFairValueMeasurement" xlink:to="lab_san_GainsLossesRecognisedInProfitOrLossFairValueMeasurement" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseThroughBusinessCombinationsReserves_019ca0fb-cad3-732c-9da8-0c8157b5a635_terseLabel_en-US" xlink:label="lab_san_IncreaseThroughBusinessCombinationsReserves" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase through business combinations, reserves</link:label>
    <link:label id="lab_san_IncreaseThroughBusinessCombinationsReserves_label_en-US" xlink:label="lab_san_IncreaseThroughBusinessCombinationsReserves" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase Through Business Combinations, Reserves</link:label>
    <link:label id="lab_san_IncreaseThroughBusinessCombinationsReserves_documentation_en-US" xlink:label="lab_san_IncreaseThroughBusinessCombinationsReserves" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase Through Business Combinations, Reserves</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseThroughBusinessCombinationsReserves" xlink:href="san-20251231.xsd#san_IncreaseThroughBusinessCombinationsReserves"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseThroughBusinessCombinationsReserves" xlink:to="lab_san_IncreaseThroughBusinessCombinationsReserves" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherLiabilities_019ca0fb-cbee-7e16-9c87-2048c8e3b058_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">OTHER LIABILITIES</link:label>
    <link:label id="lab_ifrs-full_OtherLiabilities_019ca0fb-cbee-79f3-9d43-b03a9cd29e60_verboseLabel_en-US" xlink:label="lab_ifrs-full_OtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other liabilities</link:label>
    <link:label id="lab_ifrs-full_OtherLiabilities_019ca0fb-cbee-7d2b-b255-1b6310d32e27_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Other liabilities</link:label>
    <link:label id="lab_ifrs-full_OtherLiabilities_019ca0fb-cbee-7146-a39e-99a67d268a28_netLabel_en-US" xlink:label="lab_ifrs-full_OtherLiabilities" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_ifrs-full_OtherLiabilities_label_en-US" xlink:label="lab_ifrs-full_OtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherLiabilities" xlink:to="lab_ifrs-full_OtherLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BrokerageFeeIncomeSecuritiesTrading_019ca0fb-cad3-7511-8126-437f98dc3570_terseLabel_en-US" xlink:label="lab_san_BrokerageFeeIncomeSecuritiesTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities trading</link:label>
    <link:label id="lab_san_BrokerageFeeIncomeSecuritiesTrading_label_en-US" xlink:label="lab_san_BrokerageFeeIncomeSecuritiesTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Brokerage Fee Income Securities Trading</link:label>
    <link:label id="lab_san_BrokerageFeeIncomeSecuritiesTrading_documentation_en-US" xlink:label="lab_san_BrokerageFeeIncomeSecuritiesTrading" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of income recognised for brokerage fees charged by the entity from trading securities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BrokerageFeeIncomeSecuritiesTrading" xlink:href="san-20251231.xsd#san_BrokerageFeeIncomeSecuritiesTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BrokerageFeeIncomeSecuritiesTrading" xlink:to="lab_san_BrokerageFeeIncomeSecuritiesTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LoansAndAdvancesToCustomers_019ca0fb-cb6b-73a3-bb37-9e1b32bf4a64_terseLabel_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesToCustomers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances to customers</link:label>
    <link:label id="lab_ifrs-full_LoansAndAdvancesToCustomers_019ca0fb-cb6b-73cf-a488-b32290f580f9_verboseLabel_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesToCustomers" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances to customers</link:label>
    <link:label id="lab_ifrs-full_LoansAndAdvancesToCustomers_label_en-US" xlink:label="lab_ifrs-full_LoansAndAdvancesToCustomers" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and advances to customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LoansAndAdvancesToCustomers" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LoansAndAdvancesToCustomers"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LoansAndAdvancesToCustomers" xlink:to="lab_ifrs-full_LoansAndAdvancesToCustomers" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationEmployeeBenefits_019ca0fb-c94e-725e-b75c-31c7a24aded8_totalLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationEmployeeBenefits_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Employee Benefits</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationEmployeeBenefits_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Employee Benefits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationEmployeeBenefits" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationEmployeeBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationEmployeeBenefits" xlink:to="lab_san_KeyManagementPersonnelCompensationEmployeeBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered_019ca0fb-c94e-7516-9a24-35d9a120b730_terseLabel_en-US" xlink:label="lab_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum amount of the actual collateral that can be considered</link:label>
    <link:label id="lab_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered_label_en-US" xlink:label="lab_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans And Receivables, Maximum Amount Of Actual Collateral That Can Be Considered</link:label>
    <link:label id="lab_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered_documentation_en-US" xlink:label="lab_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The maximum amount of the actual collateral that can be considered.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" xlink:href="san-20251231.xsd#san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" xlink:to="lab_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DebtSecuritiesAndLoanAndAdvancesMember_019ca0fb-cc70-722c-b85c-f00a5306e86a_terseLabel_en-US" xlink:label="lab_san_DebtSecuritiesAndLoanAndAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities</link:label>
    <link:label id="lab_san_DebtSecuritiesAndLoanAndAdvancesMember_label_en-US" xlink:label="lab_san_DebtSecuritiesAndLoanAndAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities And Loan And Advances [Member]</link:label>
    <link:label id="lab_san_DebtSecuritiesAndLoanAndAdvancesMember_documentation_en-US" xlink:label="lab_san_DebtSecuritiesAndLoanAndAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt Securities And Loan And Advances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DebtSecuritiesAndLoanAndAdvancesMember" xlink:href="san-20251231.xsd#san_DebtSecuritiesAndLoanAndAdvancesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DebtSecuritiesAndLoanAndAdvancesMember" xlink:to="lab_san_DebtSecuritiesAndLoanAndAdvancesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans_019ca0fb-c9cd-7028-89c5-4c09796b015b_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actuarial gains and losses on defined benefit pension plans</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans_019ca0fb-c9cd-7f0f-9332-43162407d506_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Actuarial gains and losses on defined benefit pension plans</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other comprehensive income, before tax, gains (losses) on remeasurements of defined benefit plans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TierOneCapitalInExcessOfCommonEquityTierOneCapital_019ca0fb-c94e-7b57-80f2-0e469d4caba4_terseLabel_en-US" xlink:label="lab_san_TierOneCapitalInExcessOfCommonEquityTierOneCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Level 1 additional eligible capital (EUR million)</link:label>
    <link:label id="lab_san_TierOneCapitalInExcessOfCommonEquityTierOneCapital_019ca0fb-c94e-7695-b24f-c71428737a47_totalLabel_en-US" xlink:label="lab_san_TierOneCapitalInExcessOfCommonEquityTierOneCapital" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Additional Tier I</link:label>
    <link:label id="lab_san_TierOneCapitalInExcessOfCommonEquityTierOneCapital_label_en-US" xlink:label="lab_san_TierOneCapitalInExcessOfCommonEquityTierOneCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tier One Capital In Excess Of Common Equity Tier One Capital</link:label>
    <link:label id="lab_san_TierOneCapitalInExcessOfCommonEquityTierOneCapital_documentation_en-US" xlink:label="lab_san_TierOneCapitalInExcessOfCommonEquityTierOneCapital" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount by which the company's Common Equity Tier One Capital exceeds the minimum required for capital adequacy purposes. Also known as "additional eligible capital."</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TierOneCapitalInExcessOfCommonEquityTierOneCapital" xlink:href="san-20251231.xsd#san_TierOneCapitalInExcessOfCommonEquityTierOneCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TierOneCapitalInExcessOfCommonEquityTierOneCapital" xlink:to="lab_san_TierOneCapitalInExcessOfCommonEquityTierOneCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SegmentItemsDomain_019ca0fb-cbee-71b9-a931-36190746331f_terseLabel_en-US" xlink:label="lab_san_SegmentItemsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segment Items [Domain]</link:label>
    <link:label id="lab_san_SegmentItemsDomain_label_en-US" xlink:label="lab_san_SegmentItemsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Items [Domain]</link:label>
    <link:label id="lab_san_SegmentItemsDomain_documentation_en-US" xlink:label="lab_san_SegmentItemsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Segment Items [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SegmentItemsDomain" xlink:href="san-20251231.xsd#san_SegmentItemsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SegmentItemsDomain" xlink:to="lab_san_SegmentItemsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome_019ca0fb-cad3-73b6-845a-4f48b2f203a3_terseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actuarial gains or (-) losses on defined benefit pension plans</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income tax relating to remeasurements of defined benefit plans included in other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome" xlink:to="lab_ifrs-full_IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ScheduleOfCondensedFinancialStatementsTable_019ca0fb-cad3-7847-9c68-03cbbdc956ce_terseLabel_en-US" xlink:label="lab_srt_ScheduleOfCondensedFinancialStatementsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Financial Statements [Table]</link:label>
    <link:label id="lab_srt_ScheduleOfCondensedFinancialStatementsTable_label_en-US" xlink:label="lab_srt_ScheduleOfCondensedFinancialStatementsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Financial Statements [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedFinancialStatementsTable" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScheduleOfCondensedFinancialStatementsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScheduleOfCondensedFinancialStatementsTable" xlink:to="lab_srt_ScheduleOfCondensedFinancialStatementsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InterestOnlyLoansMortgagePortfolioPercentage_019ca0fb-ca4e-7224-933f-c5e18b1c0da1_terseLabel_en-US" xlink:label="lab_san_InterestOnlyLoansMortgagePortfolioPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest only loans, mortgage portfolio, percentage</link:label>
    <link:label id="lab_san_InterestOnlyLoansMortgagePortfolioPercentage_label_en-US" xlink:label="lab_san_InterestOnlyLoansMortgagePortfolioPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Only Loans, Mortgage Portfolio, Percentage</link:label>
    <link:label id="lab_san_InterestOnlyLoansMortgagePortfolioPercentage_documentation_en-US" xlink:label="lab_san_InterestOnlyLoansMortgagePortfolioPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest Only Loans, Mortgage Portfolio, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InterestOnlyLoansMortgagePortfolioPercentage" xlink:href="san-20251231.xsd#san_InterestOnlyLoansMortgagePortfolioPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InterestOnlyLoansMortgagePortfolioPercentage" xlink:to="lab_san_InterestOnlyLoansMortgagePortfolioPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax_019ca0fb-cb6b-7972-93d0-af99b768d3f0_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Items that may be reclassified to profit or loss</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other comprehensive income that will be reclassified to profit or loss, net of tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NumberOfOutstandingShareOptions_019ca0fb-ca4e-71b5-b99b-69149b5f96ac_periodStartLabel_en-US" xlink:label="lab_ifrs-full_NumberOfOutstandingShareOptions" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Number of shares outstanding, beginning of period</link:label>
    <link:label id="lab_ifrs-full_NumberOfOutstandingShareOptions_019ca0fb-ca4e-7aac-bf2d-cbf0d4e12365_periodEndLabel_en-US" xlink:label="lab_ifrs-full_NumberOfOutstandingShareOptions" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Number of share options outstanding, end of period</link:label>
    <link:label id="lab_ifrs-full_NumberOfOutstandingShareOptions_label_en-US" xlink:label="lab_ifrs-full_NumberOfOutstandingShareOptions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number of share options outstanding in share-based payment arrangement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NumberOfOutstandingShareOptions" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NumberOfOutstandingShareOptions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NumberOfOutstandingShareOptions" xlink:to="lab_ifrs-full_NumberOfOutstandingShareOptions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderBrasilInOctober2023Member_019ca0fb-ca4e-7a74-ab83-12fe9aace41c_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderBrasilInOctober2023Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance by Banco Santander Brasil in October 2023</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderBrasilInOctober2023Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderBrasilInOctober2023Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander Brasil In October 2023 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderBrasilInOctober2023Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderBrasilInOctober2023Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander Brasil In October 2023</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderBrasilInOctober2023Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderBrasilInOctober2023Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderBrasilInOctober2023Member" xlink:to="lab_san_IssuanceByBancoSantanderBrasilInOctober2023Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderConsumo9F.T.Member_019ca0fb-c94e-7977-bd99-d94822dc2bf7_terseLabel_en-US" xlink:label="lab_san_SantanderConsumo9F.T.Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fondo de Titulizaci&#243;n, Santander Consumo 9</link:label>
    <link:label id="lab_san_SantanderConsumo9F.T.Member_label_en-US" xlink:label="lab_san_SantanderConsumo9F.T.Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Consumo 9, F.T. [Member]</link:label>
    <link:label id="lab_san_SantanderConsumo9F.T.Member_documentation_en-US" xlink:label="lab_san_SantanderConsumo9F.T.Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Consumo 9, F.T.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderConsumo9F.T.Member" xlink:href="san-20251231.xsd#san_SantanderConsumo9F.T.Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderConsumo9F.T.Member" xlink:to="lab_san_SantanderConsumo9F.T.Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_019ca0fb-cbee-7e11-910d-5fdf8357424e_terseLabel_en-US" xlink:label="lab_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation techniques used in fair value measurement [axis]</link:label>
    <link:label id="lab_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis_label_en-US" xlink:label="lab_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation techniques used in fair value measurement [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis" xlink:to="lab_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InterestExpenseOnDebtInstrumentsIssued_019ca0fb-cad3-7f4c-ae1f-04b6f0b3940c_totalLabel_en-US" xlink:label="lab_ifrs-full_InterestExpenseOnDebtInstrumentsIssued" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Debt securities issued and subordinated liabilities</link:label>
    <link:label id="lab_ifrs-full_InterestExpenseOnDebtInstrumentsIssued_label_en-US" xlink:label="lab_ifrs-full_InterestExpenseOnDebtInstrumentsIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest expense on debt instruments issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestExpenseOnDebtInstrumentsIssued" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InterestExpenseOnDebtInstrumentsIssued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestExpenseOnDebtInstrumentsIssued" xlink:to="lab_ifrs-full_InterestExpenseOnDebtInstrumentsIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AustralianDollarAndEuroMember_019ca0fb-c9cd-79a6-9e77-575b882cea0f_terseLabel_en-US" xlink:label="lab_san_AustralianDollarAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">AUD/EUR</link:label>
    <link:label id="lab_san_AustralianDollarAndEuroMember_label_en-US" xlink:label="lab_san_AustralianDollarAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Australian Dollar And Euro [Member]</link:label>
    <link:label id="lab_san_AustralianDollarAndEuroMember_documentation_en-US" xlink:label="lab_san_AustralianDollarAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Australian Dollar And Euro</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AustralianDollarAndEuroMember" xlink:href="san-20251231.xsd#san_AustralianDollarAndEuroMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AustralianDollarAndEuroMember" xlink:to="lab_san_AustralianDollarAndEuroMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_BasicEarningsPerShareAbstract_019ca0fb-cb6b-7c77-acf0-3c43bc5c61ad_terseLabel_en-US" xlink:label="lab_ifrs-full_BasicEarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basic earnings per share [abstract]</link:label>
    <link:label id="lab_ifrs-full_BasicEarningsPerShareAbstract_label_en-US" xlink:label="lab_ifrs-full_BasicEarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Basic earnings per share [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BasicEarningsPerShareAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_BasicEarningsPerShareAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BasicEarningsPerShareAbstract" xlink:to="lab_ifrs-full_BasicEarningsPerShareAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_EquityAndLiabilitiesAbstract_019ca0fb-cb6b-7c80-b65f-eb3bc831a3d4_terseLabel_en-US" xlink:label="lab_ifrs-full_EquityAndLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LIABILITIES AND EQUITY</link:label>
    <link:label id="lab_ifrs-full_EquityAndLiabilitiesAbstract_label_en-US" xlink:label="lab_ifrs-full_EquityAndLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity and liabilities [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EquityAndLiabilitiesAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_EquityAndLiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_EquityAndLiabilitiesAbstract" xlink:to="lab_ifrs-full_EquityAndLiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_019ca0fb-ca4e-7d98-8e94-82e3653d1bab_terseLabel_en-US" xlink:label="lab_san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at amortised cost and financial assets at fair value through other comprehensive income</link:label>
    <link:label id="lab_san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_label_en-US" xlink:label="lab_san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Assets At Amortised Cost And Financial Assets At Fair Value Through Other Comprehensive Income, Category [Member]</link:label>
    <link:label id="lab_san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember_documentation_en-US" xlink:label="lab_san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial Assets At Amortised Cost And Financial Assets At Fair Value Through Other Comprehensive Income, Category</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember" xlink:href="san-20251231.xsd#san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember" xlink:to="lab_san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationOtherLongTermEmployeeBenefitsConditionsOfContinuedServicePeriod_019ca0fb-c94e-7f41-a0a6-e59d0eb0ce5d_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationOtherLongTermEmployeeBenefitsConditionsOfContinuedServicePeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of years of compensation subject to conditions of continued service</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationOtherLongTermEmployeeBenefitsConditionsOfContinuedServicePeriod_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationOtherLongTermEmployeeBenefitsConditionsOfContinuedServicePeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Other Long-Term Employee Benefits, Conditions Of Continued Service Period</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationOtherLongTermEmployeeBenefitsConditionsOfContinuedServicePeriod_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationOtherLongTermEmployeeBenefitsConditionsOfContinuedServicePeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The length of time used for determination of fair value of maximum amount of other long-term employee benefits subject to conditions of continued service.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationOtherLongTermEmployeeBenefitsConditionsOfContinuedServicePeriod" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationOtherLongTermEmployeeBenefitsConditionsOfContinuedServicePeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationOtherLongTermEmployeeBenefitsConditionsOfContinuedServicePeriod" xlink:to="lab_san_KeyManagementPersonnelCompensationOtherLongTermEmployeeBenefitsConditionsOfContinuedServicePeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InterestRevenueExpense_019ca0fb-cbee-741e-857c-9918839f7978_totalLabel_en-US" xlink:label="lab_ifrs-full_InterestRevenueExpense" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Interest income/(charges)</link:label>
    <link:label id="lab_ifrs-full_InterestRevenueExpense_019ca0fb-cbee-78eb-b00c-f4c3e5d221e3_verboseLabel_en-US" xlink:label="lab_ifrs-full_InterestRevenueExpense" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net interest income</link:label>
    <link:label id="lab_ifrs-full_InterestRevenueExpense_label_en-US" xlink:label="lab_ifrs-full_InterestRevenueExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest income (expense)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestRevenueExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InterestRevenueExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestRevenueExpense" xlink:to="lab_ifrs-full_InterestRevenueExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed_019ca0fb-cb6b-7eba-86e1-8eb378bbf38c_terseLabel_en-US" xlink:label="lab_ifrs-full_ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reverse repurchase agreements</link:label>
    <link:label id="lab_ifrs-full_ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed_label_en-US" xlink:label="lab_ifrs-full_ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reverse repurchase agreements and cash collateral on securities borrowed</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed" xlink:to="lab_ifrs-full_ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets_019ca0fb-cbee-71fd-95a3-e0dbe0415179_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in fair value recognized in equity</link:label>
    <link:label id="lab_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets_label_en-US" xlink:label="lab_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (losses) recognised in other comprehensive income including exchange differences, fair value measurement, assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets" xlink:to="lab_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FixedRateResetPerpetualATOneCapitalSecuritiesMember_019ca0fb-cad3-7ce5-9f38-8667cd81ef65_terseLabel_en-US" xlink:label="lab_san_FixedRateResetPerpetualATOneCapitalSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed Rate Reset Perpetual AT1 Capital Securities</link:label>
    <link:label id="lab_san_FixedRateResetPerpetualATOneCapitalSecuritiesMember_label_en-US" xlink:label="lab_san_FixedRateResetPerpetualATOneCapitalSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fixed Rate Reset Perpetual AT One Capital Securities [Member]</link:label>
    <link:label id="lab_san_FixedRateResetPerpetualATOneCapitalSecuritiesMember_documentation_en-US" xlink:label="lab_san_FixedRateResetPerpetualATOneCapitalSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fixed Rate Reset Perpetual AT One Capital Securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FixedRateResetPerpetualATOneCapitalSecuritiesMember" xlink:href="san-20251231.xsd#san_FixedRateResetPerpetualATOneCapitalSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FixedRateResetPerpetualATOneCapitalSecuritiesMember" xlink:to="lab_san_FixedRateResetPerpetualATOneCapitalSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InflationOptionPricingModelMember_019ca0fb-c94e-7021-aee6-e31def5c46bf_terseLabel_en-US" xlink:label="lab_san_InflationOptionPricingModelMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">INF option pricing model</link:label>
    <link:label id="lab_san_InflationOptionPricingModelMember_label_en-US" xlink:label="lab_san_InflationOptionPricingModelMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Inflation Option Pricing Model [Member]</link:label>
    <link:label id="lab_san_InflationOptionPricingModelMember_documentation_en-US" xlink:label="lab_san_InflationOptionPricingModelMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Inflation Option Pricing Model</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InflationOptionPricingModelMember" xlink:href="san-20251231.xsd#san_InflationOptionPricingModelMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InflationOptionPricingModelMember" xlink:to="lab_san_InflationOptionPricingModelMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskTable_019ca0fb-cb6b-7a78-801e-53067cd5ed28_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of maturity analysis for financial assets held for managing liquidity risk [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of maturity analysis for financial assets held for managing liquidity risk [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskTable" xlink:to="lab_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfBanksDesignatedAsGlobalSystemicallyImportantBanks_019ca0fb-c9cd-7fb1-9669-8ddf27486eeb_terseLabel_en-US" xlink:label="lab_san_NumberOfBanksDesignatedAsGlobalSystemicallyImportantBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of global systemically important banks (G-SIBs)</link:label>
    <link:label id="lab_san_NumberOfBanksDesignatedAsGlobalSystemicallyImportantBanks_label_en-US" xlink:label="lab_san_NumberOfBanksDesignatedAsGlobalSystemicallyImportantBanks" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Banks Designated As Global Systemically Important Banks</link:label>
    <link:label id="lab_san_NumberOfBanksDesignatedAsGlobalSystemicallyImportantBanks_documentation_en-US" xlink:label="lab_san_NumberOfBanksDesignatedAsGlobalSystemicallyImportantBanks" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of banks designated as global systemically important banks (G-SIBs).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfBanksDesignatedAsGlobalSystemicallyImportantBanks" xlink:href="san-20251231.xsd#san_NumberOfBanksDesignatedAsGlobalSystemicallyImportantBanks"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfBanksDesignatedAsGlobalSystemicallyImportantBanks" xlink:to="lab_san_NumberOfBanksDesignatedAsGlobalSystemicallyImportantBanks" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AverageForeignExchangeRate_019ca0fb-cb6b-7e97-83a5-36affe4d42a5_terseLabel_en-US" xlink:label="lab_ifrs-full_AverageForeignExchangeRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average foreign exchange rate</link:label>
    <link:label id="lab_ifrs-full_AverageForeignExchangeRate_label_en-US" xlink:label="lab_ifrs-full_AverageForeignExchangeRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Average foreign exchange rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AverageForeignExchangeRate" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AverageForeignExchangeRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AverageForeignExchangeRate" xlink:to="lab_ifrs-full_AverageForeignExchangeRate" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset_019ca0fb-cad3-7ca3-911a-ef23e26bb90f_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest cost</link:label>
    <link:label id="lab_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) in net defined benefit liability (asset) resulting from interest expense (income)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities_019ca0fb-cc70-753a-b056-1a970d8c5eb9_negatedLabel_en-US" xlink:label="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Transfers out of Level 3 of fair value hierarchy, liabilities</link:label>
    <link:label id="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities_label_en-US" xlink:label="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfers out of Level 3 of fair value hierarchy, liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities" xlink:to="lab_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GermanDeLaFuenteEscamillaMember_019ca0fb-cad3-763f-86f7-f73b22d453c9_terseLabel_en-US" xlink:label="lab_san_GermanDeLaFuenteEscamillaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Germ&#225;n de la Fuente</link:label>
    <link:label id="lab_san_GermanDeLaFuenteEscamillaMember_label_en-US" xlink:label="lab_san_GermanDeLaFuenteEscamillaMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">German De La Fuente Escamilla [Member]</link:label>
    <link:label id="lab_san_GermanDeLaFuenteEscamillaMember_documentation_en-US" xlink:label="lab_san_GermanDeLaFuenteEscamillaMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">German De La Fuente Escamilla</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GermanDeLaFuenteEscamillaMember" xlink:href="san-20251231.xsd#san_GermanDeLaFuenteEscamillaMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GermanDeLaFuenteEscamillaMember" xlink:to="lab_san_GermanDeLaFuenteEscamillaMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued_019ca0fb-cb6b-7b66-a921-f0fb29835030_terseLabel_en-US" xlink:label="lab_san_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value of encumbered collateral received or own debt securities issued</link:label>
    <link:label id="lab_san_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued_label_en-US" xlink:label="lab_san_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Of Encumbered Collateral Received Or Own Debt Securities Issued</link:label>
    <link:label id="lab_san_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued_documentation_en-US" xlink:label="lab_san_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value Of Encumbered Collateral Received Or Own Debt Securities Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" xlink:href="san-20251231.xsd#san_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" xlink:to="lab_san_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory_019ca0fb-c9cd-7812-bb8d-e2948f277b10_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derecognition of financial assets and liabilities</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description of accounting policy for derecognition of financial instruments [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory" xlink:to="lab_ifrs-full_DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProfitLossFromOperatingActivities_019ca0fb-cbee-778c-8782-3484ce2cb025_verboseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossFromOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Ordinary activities income</link:label>
    <link:label id="lab_ifrs-full_ProfitLossFromOperatingActivities_label_en-US" xlink:label="lab_ifrs-full_ProfitLossFromOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit (loss) from operating activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProfitLossFromOperatingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProfitLossFromOperatingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProfitLossFromOperatingActivities" xlink:to="lab_ifrs-full_ProfitLossFromOperatingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentDecrease_019ca0fb-c9cd-7fb2-bae1-a36d7875de24_terseLabel_en-US" xlink:label="lab_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentDecrease" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sensitivity analysis, perpetuity growth rate adjustment, decrease (in basis points)</link:label>
    <link:label id="lab_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentDecrease_label_en-US" xlink:label="lab_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentDecrease" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis, Perpetuity Growth Rate Adjustment, Decrease</link:label>
    <link:label id="lab_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentDecrease_documentation_en-US" xlink:label="lab_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentDecrease" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis, Perpetuity Growth Rate Adjustment, Decrease</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentDecrease" xlink:href="san-20251231.xsd#san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentDecrease"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentDecrease" xlink:to="lab_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentDecrease" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfBenefitsMaturityScheduleTableTextBlock_019ca0fb-cb6b-7404-a610-0917de14898f_terseLabel_en-US" xlink:label="lab_san_DisclosureOfBenefitsMaturityScheduleTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of maturity of estimated benefits payments</link:label>
    <link:label id="lab_san_DisclosureOfBenefitsMaturityScheduleTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfBenefitsMaturityScheduleTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Benefits Maturity Schedule [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfBenefitsMaturityScheduleTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfBenefitsMaturityScheduleTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Schedule of maturity of estimated benefits payments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfBenefitsMaturityScheduleTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfBenefitsMaturityScheduleTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfBenefitsMaturityScheduleTableTextBlock" xlink:to="lab_san_DisclosureOfBenefitsMaturityScheduleTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TotalShareholderReturnPercentage_019ca0fb-ca4e-74db-ae1b-646fa88b0dac_terseLabel_en-US" xlink:label="lab_san_TotalShareholderReturnPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total shareholder return (in percentage)</link:label>
    <link:label id="lab_san_TotalShareholderReturnPercentage_label_en-US" xlink:label="lab_san_TotalShareholderReturnPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total Shareholder Return, Percentage</link:label>
    <link:label id="lab_san_TotalShareholderReturnPercentage_documentation_en-US" xlink:label="lab_san_TotalShareholderReturnPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total Shareholder Return, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TotalShareholderReturnPercentage" xlink:href="san-20251231.xsd#san_TotalShareholderReturnPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TotalShareholderReturnPercentage" xlink:to="lab_san_TotalShareholderReturnPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AuditorsRemunerationForAuditServices_019ca0fb-cbee-7eec-959f-2634c7ae62f2_terseLabel_en-US" xlink:label="lab_ifrs-full_AuditorsRemunerationForAuditServices" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Audit</link:label>
    <link:label id="lab_ifrs-full_AuditorsRemunerationForAuditServices_label_en-US" xlink:label="lab_ifrs-full_AuditorsRemunerationForAuditServices" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Auditor's remuneration for audit services</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AuditorsRemunerationForAuditServices" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AuditorsRemunerationForAuditServices"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AuditorsRemunerationForAuditServices" xlink:to="lab_ifrs-full_AuditorsRemunerationForAuditServices" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressAddressLine1_019ca0fb-c9cd-752b-abc2-0d43eb0040dd_terseLabel_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:label id="lab_dei_EntityAddressAddressLine1_label_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressAddressLine1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressAddressLine1" xlink:to="lab_dei_EntityAddressAddressLine1" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BancoSantanderChileMember_019ca0fb-cb6b-7f14-98e1-222a596e2aab_terseLabel_en-US" xlink:label="lab_san_BancoSantanderChileMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Santander - Chile</link:label>
    <link:label id="lab_san_BancoSantanderChileMember_label_en-US" xlink:label="lab_san_BancoSantanderChileMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banco Santander Chile [Member]</link:label>
    <link:label id="lab_san_BancoSantanderChileMember_documentation_en-US" xlink:label="lab_san_BancoSantanderChileMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Banco Santander - Chile, a subsidiary of the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BancoSantanderChileMember" xlink:href="san-20251231.xsd#san_BancoSantanderChileMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BancoSantanderChileMember" xlink:to="lab_san_BancoSantanderChileMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GainsLossesOnNonCurrentTangibleAssets_019ca0fb-cb6b-7194-a0f6-3f385c87caf4_terseLabel_en-US" xlink:label="lab_san_GainsLossesOnNonCurrentTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tangible assets</link:label>
    <link:label id="lab_san_GainsLossesOnNonCurrentTangibleAssets_label_en-US" xlink:label="lab_san_GainsLossesOnNonCurrentTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (Losses) On Non-Current Tangible Assets</link:label>
    <link:label id="lab_san_GainsLossesOnNonCurrentTangibleAssets_documentation_en-US" xlink:label="lab_san_GainsLossesOnNonCurrentTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The total gain (loss) on noncurrent tangible assets, which includes impairment and gain (loss) on sales.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GainsLossesOnNonCurrentTangibleAssets" xlink:href="san-20251231.xsd#san_GainsLossesOnNonCurrentTangibleAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GainsLossesOnNonCurrentTangibleAssets" xlink:to="lab_san_GainsLossesOnNonCurrentTangibleAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ConversionOfActiveLoansFromSwissFrancsToPLNLoansMember_019ca0fb-c9cd-7dc5-84a8-d1511d8ad2bd_terseLabel_en-US" xlink:label="lab_san_ConversionOfActiveLoansFromSwissFrancsToPLNLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Conversion of active loans from swiss francs to PLN loans</link:label>
    <link:label id="lab_san_ConversionOfActiveLoansFromSwissFrancsToPLNLoansMember_label_en-US" xlink:label="lab_san_ConversionOfActiveLoansFromSwissFrancsToPLNLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Conversion Of Active Loans From Swiss Francs To PLN Loans [Member]</link:label>
    <link:label id="lab_san_ConversionOfActiveLoansFromSwissFrancsToPLNLoansMember_documentation_en-US" xlink:label="lab_san_ConversionOfActiveLoansFromSwissFrancsToPLNLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Conversion Of Active Loans From Swiss Francs To PLN Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ConversionOfActiveLoansFromSwissFrancsToPLNLoansMember" xlink:href="san-20251231.xsd#san_ConversionOfActiveLoansFromSwissFrancsToPLNLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ConversionOfActiveLoansFromSwissFrancsToPLNLoansMember" xlink:to="lab_san_ConversionOfActiveLoansFromSwissFrancsToPLNLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfOtherComprehensiveIncomeByInstrumentAndGeographicOriginThatMayBeReclassifiedToProfitOrLossTableTextBlock_019ca0fb-c9cd-7cf5-955f-737017707a86_terseLabel_en-US" xlink:label="lab_san_DisclosureOfOtherComprehensiveIncomeByInstrumentAndGeographicOriginThatMayBeReclassifiedToProfitOrLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of other comprehensive income, that may be reclassified to profit or loss, by type of instrument and geographical origin of the issuer</link:label>
    <link:label id="lab_san_DisclosureOfOtherComprehensiveIncomeByInstrumentAndGeographicOriginThatMayBeReclassifiedToProfitOrLossTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfOtherComprehensiveIncomeByInstrumentAndGeographicOriginThatMayBeReclassifiedToProfitOrLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Other Comprehensive Income By Instrument And Geographic Origin That May Be Reclassified To Profit Or Loss [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfOtherComprehensiveIncomeByInstrumentAndGeographicOriginThatMayBeReclassifiedToProfitOrLossTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfOtherComprehensiveIncomeByInstrumentAndGeographicOriginThatMayBeReclassifiedToProfitOrLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The breakdown of other comprehensive income, that may be reclassified to profit or loss, by type of investment and geographical origin of the issuer.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfOtherComprehensiveIncomeByInstrumentAndGeographicOriginThatMayBeReclassifiedToProfitOrLossTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfOtherComprehensiveIncomeByInstrumentAndGeographicOriginThatMayBeReclassifiedToProfitOrLossTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfOtherComprehensiveIncomeByInstrumentAndGeographicOriginThatMayBeReclassifiedToProfitOrLossTableTextBlock" xlink:to="lab_san_DisclosureOfOtherComprehensiveIncomeByInstrumentAndGeographicOriginThatMayBeReclassifiedToProfitOrLossTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseInNetIssuePremium_019ca0fb-c9cd-7d12-896a-3f5a93a31cbf_negatedTerseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseInNetIssuePremium" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Decrease in net issue premium</link:label>
    <link:label id="lab_san_IncreaseDecreaseInNetIssuePremium_label_en-US" xlink:label="lab_san_IncreaseDecreaseInNetIssuePremium" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Net Issue Premium</link:label>
    <link:label id="lab_san_IncreaseDecreaseInNetIssuePremium_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseInNetIssuePremium" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Net Issue Premium</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseInNetIssuePremium" xlink:href="san-20251231.xsd#san_IncreaseDecreaseInNetIssuePremium"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseInNetIssuePremium" xlink:to="lab_san_IncreaseDecreaseInNetIssuePremium" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DiscontinuedOperationsMember_019ca0fb-cbee-7550-8489-0c8cd4cd7385_terseLabel_en-US" xlink:label="lab_ifrs-full_DiscontinuedOperationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discontinued operations</link:label>
    <link:label id="lab_ifrs-full_DiscontinuedOperationsMember_label_en-US" xlink:label="lab_ifrs-full_DiscontinuedOperationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Discontinued operations [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DiscontinuedOperationsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DiscontinuedOperationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DiscontinuedOperationsMember" xlink:to="lab_ifrs-full_DiscontinuedOperationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ArbitrationMatterAmountClaimedByCounterparty_019ca0fb-cc70-7cda-8ec2-d575e9853333_terseLabel_en-US" xlink:label="lab_san_ArbitrationMatterAmountClaimedByCounterparty" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Arbitration matter, amount claimed by counterparty</link:label>
    <link:label id="lab_san_ArbitrationMatterAmountClaimedByCounterparty_label_en-US" xlink:label="lab_san_ArbitrationMatterAmountClaimedByCounterparty" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Arbitration Matter, Amount Claimed By Counterparty</link:label>
    <link:label id="lab_san_ArbitrationMatterAmountClaimedByCounterparty_documentation_en-US" xlink:label="lab_san_ArbitrationMatterAmountClaimedByCounterparty" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of the claim by the counterparty in the arbitration matter.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ArbitrationMatterAmountClaimedByCounterparty" xlink:href="san-20251231.xsd#san_ArbitrationMatterAmountClaimedByCounterparty"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ArbitrationMatterAmountClaimedByCounterparty" xlink:to="lab_san_ArbitrationMatterAmountClaimedByCounterparty" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DescriptionOfAccountingPolicyForRecognisedIncomeAndExpensePolicyPolicyTextBlock_019ca0fb-ca4e-737f-afd6-ab3d82231870_terseLabel_en-US" xlink:label="lab_san_DescriptionOfAccountingPolicyForRecognisedIncomeAndExpensePolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated statement of recognised income and expense</link:label>
    <link:label id="lab_san_DescriptionOfAccountingPolicyForRecognisedIncomeAndExpensePolicyPolicyTextBlock_label_en-US" xlink:label="lab_san_DescriptionOfAccountingPolicyForRecognisedIncomeAndExpensePolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description Of Accounting Policy For Recognised Income and Expense, Policy [Policy Text Block]</link:label>
    <link:label id="lab_san_DescriptionOfAccountingPolicyForRecognisedIncomeAndExpensePolicyPolicyTextBlock_documentation_en-US" xlink:label="lab_san_DescriptionOfAccountingPolicyForRecognisedIncomeAndExpensePolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The description of the entity's accounting policy for recognized income and expense.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DescriptionOfAccountingPolicyForRecognisedIncomeAndExpensePolicyPolicyTextBlock" xlink:href="san-20251231.xsd#san_DescriptionOfAccountingPolicyForRecognisedIncomeAndExpensePolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DescriptionOfAccountingPolicyForRecognisedIncomeAndExpensePolicyPolicyTextBlock" xlink:to="lab_san_DescriptionOfAccountingPolicyForRecognisedIncomeAndExpensePolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations_019ca0fb-cb6b-7a58-9a99-3a4bf26278cc_terseLabel_en-US" xlink:label="lab_san_GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains or losses on non-current assets held for sale not classified as discontinued operations</link:label>
    <link:label id="lab_san_GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations_019ca0fb-cb6b-7560-8c29-02a2d6f98670_totalLabel_en-US" xlink:label="lab_san_GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Gains or losses on non-current assets held for sale not classified as discontinued operations</link:label>
    <link:label id="lab_san_GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations_label_en-US" xlink:label="lab_san_GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (Losses) On Non-Current Assets Held For Sale Not Classified As Discontinued Operations</link:label>
    <link:label id="lab_san_GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations_documentation_en-US" xlink:label="lab_san_GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Gains (Losses) On Non-Current Assets Held For Sale Not Classified As Discontinued Operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" xlink:href="san-20251231.xsd#san_GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" xlink:to="lab_san_GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceBySantanderUKPLCInOctober1995Member_019ca0fb-cb6b-76fc-8861-7808b76c259d_terseLabel_en-US" xlink:label="lab_san_IssuanceBySantanderUKPLCInOctober1995Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander UK plc, October 1995</link:label>
    <link:label id="lab_san_IssuanceBySantanderUKPLCInOctober1995Member_label_en-US" xlink:label="lab_san_IssuanceBySantanderUKPLCInOctober1995Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Santander UK PLC In October 1995 [Member]</link:label>
    <link:label id="lab_san_IssuanceBySantanderUKPLCInOctober1995Member_documentation_en-US" xlink:label="lab_san_IssuanceBySantanderUKPLCInOctober1995Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to issuance of preference shares or preferred securities by Santander UK PLC in October 1995.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceBySantanderUKPLCInOctober1995Member" xlink:href="san-20251231.xsd#san_IssuanceBySantanderUKPLCInOctober1995Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceBySantanderUKPLCInOctober1995Member" xlink:to="lab_san_IssuanceBySantanderUKPLCInOctober1995Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfBranchesResidentInOffShoreTerritories_019ca0fb-cbee-76d8-8a85-ef1e86c7d978_terseLabel_en-US" xlink:label="lab_san_NumberOfBranchesResidentInOffShoreTerritories" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of branches resident in off-shore territories</link:label>
    <link:label id="lab_san_NumberOfBranchesResidentInOffShoreTerritories_label_en-US" xlink:label="lab_san_NumberOfBranchesResidentInOffShoreTerritories" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Branches Resident In Off-Shore Territories</link:label>
    <link:label id="lab_san_NumberOfBranchesResidentInOffShoreTerritories_documentation_en-US" xlink:label="lab_san_NumberOfBranchesResidentInOffShoreTerritories" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of branches.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfBranchesResidentInOffShoreTerritories" xlink:href="san-20251231.xsd#san_NumberOfBranchesResidentInOffShoreTerritories"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfBranchesResidentInOffShoreTerritories" xlink:to="lab_san_NumberOfBranchesResidentInOffShoreTerritories" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DebtAndEquityInstrumentsMember_019ca0fb-cbee-7263-a947-2dd051c3c29a_terseLabel_en-US" xlink:label="lab_san_DebtAndEquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt and equity instruments</link:label>
    <link:label id="lab_san_DebtAndEquityInstrumentsMember_label_en-US" xlink:label="lab_san_DebtAndEquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt And Equity Instruments [Member]</link:label>
    <link:label id="lab_san_DebtAndEquityInstrumentsMember_documentation_en-US" xlink:label="lab_san_DebtAndEquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for investments in debt and equity instruments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DebtAndEquityInstrumentsMember" xlink:href="san-20251231.xsd#san_DebtAndEquityInstrumentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DebtAndEquityInstrumentsMember" xlink:to="lab_san_DebtAndEquityInstrumentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IFRSAmericaMember_019ca0fb-ca4e-767f-91fd-522b64f03b80_terseLabel_en-US" xlink:label="lab_san_IFRSAmericaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">America</link:label>
    <link:label id="lab_san_IFRSAmericaMember_label_en-US" xlink:label="lab_san_IFRSAmericaMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS America [Member]</link:label>
    <link:label id="lab_san_IFRSAmericaMember_documentation_en-US" xlink:label="lab_san_IFRSAmericaMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to region of Latin America.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IFRSAmericaMember" xlink:href="san-20251231.xsd#san_IFRSAmericaMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IFRSAmericaMember" xlink:to="lab_san_IFRSAmericaMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfProvisionsExplanatory_019ca0fb-cb6b-7d73-9d75-eee780f8af2b_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfProvisionsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfProvisionsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfProvisionsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of provisions [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfProvisionsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfProvisionsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfProvisionsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfProvisionsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IFRSTierOneLeverageCapitalToAverageAssets_019ca0fb-c9cd-710a-93f4-f8d9cb7936f5_terseLabel_en-US" xlink:label="lab_san_IFRSTierOneLeverageCapitalToAverageAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Leverage Ratio</link:label>
    <link:label id="lab_san_IFRSTierOneLeverageCapitalToAverageAssets_label_en-US" xlink:label="lab_san_IFRSTierOneLeverageCapitalToAverageAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS Tier One Leverage Capital To Average Assets</link:label>
    <link:label id="lab_san_IFRSTierOneLeverageCapitalToAverageAssets_documentation_en-US" xlink:label="lab_san_IFRSTierOneLeverageCapitalToAverageAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tier 1 Leverage Capital divided by average assets as defined by international regulations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IFRSTierOneLeverageCapitalToAverageAssets" xlink:href="san-20251231.xsd#san_IFRSTierOneLeverageCapitalToAverageAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IFRSTierOneLeverageCapitalToAverageAssets" xlink:to="lab_san_IFRSTierOneLeverageCapitalToAverageAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonPerformingLoansRatio_019ca0fb-c9cd-7764-9900-b04e5f4d6102_terseLabel_en-US" xlink:label="lab_san_NonPerformingLoansRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-performing loans ratio</link:label>
    <link:label id="lab_san_NonPerformingLoansRatio_label_en-US" xlink:label="lab_san_NonPerformingLoansRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Performing Loans Ratio</link:label>
    <link:label id="lab_san_NonPerformingLoansRatio_documentation_en-US" xlink:label="lab_san_NonPerformingLoansRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non-Performing Loans Ratio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonPerformingLoansRatio" xlink:href="san-20251231.xsd#san_NonPerformingLoansRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonPerformingLoansRatio" xlink:to="lab_san_NonPerformingLoansRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageOfIncreaseDecreaseInCostOfCredit_019ca0fb-c9cd-7377-b865-df0f00102062_terseLabel_en-US" xlink:label="lab_san_PercentageOfIncreaseDecreaseInCostOfCredit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage increase (decrease) in cost of credit</link:label>
    <link:label id="lab_san_PercentageOfIncreaseDecreaseInCostOfCredit_label_en-US" xlink:label="lab_san_PercentageOfIncreaseDecreaseInCostOfCredit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Increase (Decrease) In Cost Of Credit</link:label>
    <link:label id="lab_san_PercentageOfIncreaseDecreaseInCostOfCredit_documentation_en-US" xlink:label="lab_san_PercentageOfIncreaseDecreaseInCostOfCredit" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage of increase in cost of credit.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageOfIncreaseDecreaseInCostOfCredit" xlink:href="san-20251231.xsd#san_PercentageOfIncreaseDecreaseInCostOfCredit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageOfIncreaseDecreaseInCostOfCredit" xlink:to="lab_san_PercentageOfIncreaseDecreaseInCostOfCredit" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialAssetsTable_019ca0fb-c9cd-7c11-99a7-f7cb6de182fb_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialAssetsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of financial assets [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialAssetsTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialAssetsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of financial assets [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFinancialAssetsTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfFinancialAssetsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFinancialAssetsTable" xlink:to="lab_ifrs-full_DisclosureOfFinancialAssetsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AccumulatedOtherComprehensiveIncome_019ca0fb-cb6b-7cbf-8fce-7115b807f3a5_totalLabel_en-US" xlink:label="lab_ifrs-full_AccumulatedOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">OTHER COMPREHENSIVE INCOME OR LOSS</link:label>
    <link:label id="lab_ifrs-full_AccumulatedOtherComprehensiveIncome_019ca0fb-cb6b-7092-83d3-7f2dbaa32909_netLabel_en-US" xlink:label="lab_ifrs-full_AccumulatedOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Other accumulated comprehensive income</link:label>
    <link:label id="lab_ifrs-full_AccumulatedOtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_AccumulatedOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AccumulatedOtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AccumulatedOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AccumulatedOtherComprehensiveIncome" xlink:to="lab_ifrs-full_AccumulatedOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_TitleOfIndividualWithRelationshipToEntityDomain_019ca0fb-cad3-712e-9962-4b7dcf1887ca_terseLabel_en-US" xlink:label="lab_srt_TitleOfIndividualWithRelationshipToEntityDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Relationship to Entity [Domain]</link:label>
    <link:label id="lab_srt_TitleOfIndividualWithRelationshipToEntityDomain_label_en-US" xlink:label="lab_srt_TitleOfIndividualWithRelationshipToEntityDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Title and Position [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_TitleOfIndividualWithRelationshipToEntityDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain" xlink:to="lab_srt_TitleOfIndividualWithRelationshipToEntityDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TransactionalDepositsPercentage_019ca0fb-ca4e-72c7-9f53-d5dbeaca588b_terseLabel_en-US" xlink:label="lab_san_TransactionalDepositsPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transactional deposits (in percentage)</link:label>
    <link:label id="lab_san_TransactionalDepositsPercentage_label_en-US" xlink:label="lab_san_TransactionalDepositsPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transactional Deposits, Percentage</link:label>
    <link:label id="lab_san_TransactionalDepositsPercentage_documentation_en-US" xlink:label="lab_san_TransactionalDepositsPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Transactional Deposits, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TransactionalDepositsPercentage" xlink:href="san-20251231.xsd#san_TransactionalDepositsPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TransactionalDepositsPercentage" xlink:to="lab_san_TransactionalDepositsPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets_019ca0fb-cbee-7dc0-937b-96251196638f_negatedTerseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">To stage 3 from stage 1</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Transfers From Stage 1 To Stage 3 Financial Assets</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) in financial assets resulting from transfers from credit risk stage 1 to stage 3.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" xlink:to="lab_san_IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DigitalTransformationAward2025Member_019ca0fb-c94e-75de-8258-9fcc5b801b89_terseLabel_en-US" xlink:label="lab_san_DigitalTransformationAward2025Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2025</link:label>
    <link:label id="lab_san_DigitalTransformationAward2025Member_label_en-US" xlink:label="lab_san_DigitalTransformationAward2025Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2025 [Member]</link:label>
    <link:label id="lab_san_DigitalTransformationAward2025Member_documentation_en-US" xlink:label="lab_san_DigitalTransformationAward2025Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2025</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DigitalTransformationAward2025Member" xlink:href="san-20251231.xsd#san_DigitalTransformationAward2025Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DigitalTransformationAward2025Member" xlink:to="lab_san_DigitalTransformationAward2025Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments_019ca0fb-c94e-7b45-8a96-b6d128aad92e_terseLabel_en-US" xlink:label="lab_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments_019ca0fb-c94e-7216-b57c-ca63d84bb90e_totalLabel_en-US" xlink:label="lab_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net gains/losses by valuation</link:label>
    <link:label id="lab_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments_label_en-US" xlink:label="lab_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reserve of gains and losses from investments in equity instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments" xlink:to="lab_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SecuritizedLoansLoansAndAdvancesToCustomersMember_019ca0fb-cb6b-737b-bd99-512ab7662c5a_terseLabel_en-US" xlink:label="lab_san_SecuritizedLoansLoansAndAdvancesToCustomersMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securitized loans and loans and advances to customers</link:label>
    <link:label id="lab_san_SecuritizedLoansLoansAndAdvancesToCustomersMember_label_en-US" xlink:label="lab_san_SecuritizedLoansLoansAndAdvancesToCustomersMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Securitized Loans, Loans And Advances To Customers [Member]</link:label>
    <link:label id="lab_san_SecuritizedLoansLoansAndAdvancesToCustomersMember_documentation_en-US" xlink:label="lab_san_SecuritizedLoansLoansAndAdvancesToCustomersMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Securitized Loans, Loans And Advances To Customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SecuritizedLoansLoansAndAdvancesToCustomersMember" xlink:href="san-20251231.xsd#san_SecuritizedLoansLoansAndAdvancesToCustomersMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SecuritizedLoansLoansAndAdvancesToCustomersMember" xlink:to="lab_san_SecuritizedLoansLoansAndAdvancesToCustomersMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneNumberOfPriorityUseCasesWithMachineLearningDeployment_019ca0fb-cb6b-7c24-ade8-35bddda29df5_terseLabel_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneNumberOfPriorityUseCasesWithMachineLearningDeployment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of priority use cases with machine learning deployment</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneNumberOfPriorityUseCasesWithMachineLearningDeployment_label_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneNumberOfPriorityUseCasesWithMachineLearningDeployment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Number Of Priority Use Cases With Machine Learning Deployment</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneNumberOfPriorityUseCasesWithMachineLearningDeployment_documentation_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneNumberOfPriorityUseCasesWithMachineLearningDeployment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Number Of Priority Use Cases With Machine Learning Deployment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableRemunerationMilestoneNumberOfPriorityUseCasesWithMachineLearningDeployment" xlink:href="san-20251231.xsd#san_DeferredVariableRemunerationMilestoneNumberOfPriorityUseCasesWithMachineLearningDeployment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableRemunerationMilestoneNumberOfPriorityUseCasesWithMachineLearningDeployment" xlink:to="lab_san_DeferredVariableRemunerationMilestoneNumberOfPriorityUseCasesWithMachineLearningDeployment" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RepaymentsOfBondsNotesAndDebentures_019ca0fb-cad3-7a5e-937a-8f8609df0a20_negatedLabel_en-US" xlink:label="lab_ifrs-full_RepaymentsOfBondsNotesAndDebentures" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Redemption of debt securities</link:label>
    <link:label id="lab_ifrs-full_RepaymentsOfBondsNotesAndDebentures_label_en-US" xlink:label="lab_ifrs-full_RepaymentsOfBondsNotesAndDebentures" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repayments of bonds, notes and debentures</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RepaymentsOfBondsNotesAndDebentures" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RepaymentsOfBondsNotesAndDebentures"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RepaymentsOfBondsNotesAndDebentures" xlink:to="lab_ifrs-full_RepaymentsOfBondsNotesAndDebentures" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MaximumExposureToCreditRiskOtherFinancialInstruments_019ca0fb-cad3-7b48-be17-e953ddeb9406_terseLabel_en-US" xlink:label="lab_san_MaximumExposureToCreditRiskOtherFinancialInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum exposure, financial instruments not included elsewhere</link:label>
    <link:label id="lab_san_MaximumExposureToCreditRiskOtherFinancialInstruments_label_en-US" xlink:label="lab_san_MaximumExposureToCreditRiskOtherFinancialInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum Exposure To Credit Risk, Other Financial Instruments</link:label>
    <link:label id="lab_san_MaximumExposureToCreditRiskOtherFinancialInstruments_documentation_en-US" xlink:label="lab_san_MaximumExposureToCreditRiskOtherFinancialInstruments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount that best represents the maximum exposure to credit risk without taking into account any collateral held or other credit enhancements (for example, netting agreements that do not qualify for offset in accordance with IAS 32) for financial instruments not included in other disclosures.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MaximumExposureToCreditRiskOtherFinancialInstruments" xlink:href="san-20251231.xsd#san_MaximumExposureToCreditRiskOtherFinancialInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MaximumExposureToCreditRiskOtherFinancialInstruments" xlink:to="lab_san_MaximumExposureToCreditRiskOtherFinancialInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans_019ca0fb-cad3-7ad0-8b34-c9b541f6e6c6_verboseLabel_en-US" xlink:label="lab_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Post-employment benefit expense in profit or loss, defined benefit plans</link:label>
    <link:label id="lab_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans_019ca0fb-cad3-7825-b031-5d9971473046_totalLabel_en-US" xlink:label="lab_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Post-employment benefit expense in profit or loss, defined benefit plans</link:label>
    <link:label id="lab_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans_019ca0fb-cad3-7c29-b454-4488db086e10_terseLabel_en-US" xlink:label="lab_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additions to provisions for defined benefit pension plans (note&#160;25)</link:label>
    <link:label id="lab_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans_label_en-US" xlink:label="lab_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Post-employment benefit expense in profit or loss, defined benefit plans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans" xlink:to="lab_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MarketableAssetsLevel2BMember_019ca0fb-cbee-7444-a70e-3663770e9b25_terseLabel_en-US" xlink:label="lab_san_MarketableAssetsLevel2BMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Marketable assets Level 2B</link:label>
    <link:label id="lab_san_MarketableAssetsLevel2BMember_label_en-US" xlink:label="lab_san_MarketableAssetsLevel2BMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Marketable Assets Level 2B [Member]</link:label>
    <link:label id="lab_san_MarketableAssetsLevel2BMember_documentation_en-US" xlink:label="lab_san_MarketableAssetsLevel2BMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Marketable Assets Level 2B</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MarketableAssetsLevel2BMember" xlink:href="san-20251231.xsd#san_MarketableAssetsLevel2BMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MarketableAssetsLevel2BMember" xlink:to="lab_san_MarketableAssetsLevel2BMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedStatementOfIncomeCaptionsLineItems_019ca0fb-cbee-71e1-8a9b-6931db817b1d_terseLabel_en-US" xlink:label="lab_srt_CondensedStatementOfIncomeCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Statement of Income Captions [Line Items]</link:label>
    <link:label id="lab_srt_CondensedStatementOfIncomeCaptionsLineItems_label_en-US" xlink:label="lab_srt_CondensedStatementOfIncomeCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Statement of Income Captions [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedStatementOfIncomeCaptionsLineItems" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CondensedStatementOfIncomeCaptionsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedStatementOfIncomeCaptionsLineItems" xlink:to="lab_srt_CondensedStatementOfIncomeCaptionsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CommitmentsAndGuaranteesGivenProvisionMember_019ca0fb-cad3-782f-8d0f-47a59c99bcc8_terseLabel_en-US" xlink:label="lab_san_CommitmentsAndGuaranteesGivenProvisionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contingent liabilities and commitments</link:label>
    <link:label id="lab_san_CommitmentsAndGuaranteesGivenProvisionMember_label_en-US" xlink:label="lab_san_CommitmentsAndGuaranteesGivenProvisionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments And Guarantees Given Provision [Member]</link:label>
    <link:label id="lab_san_CommitmentsAndGuaranteesGivenProvisionMember_documentation_en-US" xlink:label="lab_san_CommitmentsAndGuaranteesGivenProvisionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents the provision for commitments and guarantees given.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CommitmentsAndGuaranteesGivenProvisionMember" xlink:href="san-20251231.xsd#san_CommitmentsAndGuaranteesGivenProvisionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CommitmentsAndGuaranteesGivenProvisionMember" xlink:to="lab_san_CommitmentsAndGuaranteesGivenProvisionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherLoansMember_019ca0fb-cad3-7d66-ac48-2d46a89daafc_terseLabel_en-US" xlink:label="lab_san_OtherLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other foreclosed property assets</link:label>
    <link:label id="lab_san_OtherLoansMember_label_en-US" xlink:label="lab_san_OtherLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Loans [Member]</link:label>
    <link:label id="lab_san_OtherLoansMember_documentation_en-US" xlink:label="lab_san_OtherLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for loans (other than construction and property development and home purchase loans).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherLoansMember" xlink:href="san-20251231.xsd#san_OtherLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherLoansMember" xlink:to="lab_san_OtherLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems_019ca0fb-cad3-7d70-95ca-76fe1f5199fa_terseLabel_en-US" xlink:label="lab_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets And Liabilities Classified As Held For Sale [Line Items]</link:label>
    <link:label id="lab_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems_label_en-US" xlink:label="lab_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets And Liabilities Classified As Held For Sale [Line Items]</link:label>
    <link:label id="lab_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems_documentation_en-US" xlink:label="lab_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes of the table.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems" xlink:href="san-20251231.xsd#san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems" xlink:to="lab_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FXOptionPricingModelMember_019ca0fb-cad3-74a6-ab45-2cd253998e2d_terseLabel_en-US" xlink:label="lab_san_FXOptionPricingModelMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fx option pricing model</link:label>
    <link:label id="lab_san_FXOptionPricingModelMember_label_en-US" xlink:label="lab_san_FXOptionPricingModelMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">FX Option Pricing Model [Member]</link:label>
    <link:label id="lab_san_FXOptionPricingModelMember_documentation_en-US" xlink:label="lab_san_FXOptionPricingModelMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">FX Option Pricing Model</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FXOptionPricingModelMember" xlink:href="san-20251231.xsd#san_FXOptionPricingModelMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FXOptionPricingModelMember" xlink:to="lab_san_FXOptionPricingModelMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ExpectedRateOfReturnOnPlanAssets_019ca0fb-cb6b-7b67-8beb-a4e094da94be_terseLabel_en-US" xlink:label="lab_san_ExpectedRateOfReturnOnPlanAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expected rate of return on plan assets</link:label>
    <link:label id="lab_san_ExpectedRateOfReturnOnPlanAssets_label_en-US" xlink:label="lab_san_ExpectedRateOfReturnOnPlanAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Expected Rate Of Return On Plan Assets</link:label>
    <link:label id="lab_san_ExpectedRateOfReturnOnPlanAssets_documentation_en-US" xlink:label="lab_san_ExpectedRateOfReturnOnPlanAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Expected rate of return on plan assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ExpectedRateOfReturnOnPlanAssets" xlink:href="san-20251231.xsd#san_ExpectedRateOfReturnOnPlanAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ExpectedRateOfReturnOnPlanAssets" xlink:to="lab_san_ExpectedRateOfReturnOnPlanAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfInterestIncomeTableTextBlock_019ca0fb-cc70-76bc-9243-73588f7f45e1_terseLabel_en-US" xlink:label="lab_san_DisclosureOfInterestIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of details of main interest and similar income</link:label>
    <link:label id="lab_san_DisclosureOfInterestIncomeTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfInterestIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Interest Income [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfInterestIncomeTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfInterestIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The tabular disclosure of interest income.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfInterestIncomeTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfInterestIncomeTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfInterestIncomeTableTextBlock" xlink:to="lab_san_DisclosureOfInterestIncomeTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableCompensationFirstAndSecondPortionMember_019ca0fb-c94e-7887-ae50-6aa4e4f5dfa6_terseLabel_en-US" xlink:label="lab_san_DeferredVariableCompensationFirstAndSecondPortionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred variable compensation, first and second portion</link:label>
    <link:label id="lab_san_DeferredVariableCompensationFirstAndSecondPortionMember_label_en-US" xlink:label="lab_san_DeferredVariableCompensationFirstAndSecondPortionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Compensation, First And Second Portion [Member]</link:label>
    <link:label id="lab_san_DeferredVariableCompensationFirstAndSecondPortionMember_documentation_en-US" xlink:label="lab_san_DeferredVariableCompensationFirstAndSecondPortionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Compensation, First And Second Portion</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableCompensationFirstAndSecondPortionMember" xlink:href="san-20251231.xsd#san_DeferredVariableCompensationFirstAndSecondPortionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableCompensationFirstAndSecondPortionMember" xlink:to="lab_san_DeferredVariableCompensationFirstAndSecondPortionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfMacroeconomicVariablesSensitivityAnalysisTableTextBlock_019ca0fb-cad3-7d9e-aae2-d0479587880a_terseLabel_en-US" xlink:label="lab_san_DisclosureOfMacroeconomicVariablesSensitivityAnalysisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of sensitivity analysis</link:label>
    <link:label id="lab_san_DisclosureOfMacroeconomicVariablesSensitivityAnalysisTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfMacroeconomicVariablesSensitivityAnalysisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Macroeconomic Variables, Sensitivity Analysis [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfMacroeconomicVariablesSensitivityAnalysisTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfMacroeconomicVariablesSensitivityAnalysisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Macroeconomic Variables, Sensitivity Analysis [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfMacroeconomicVariablesSensitivityAnalysisTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfMacroeconomicVariablesSensitivityAnalysisTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfMacroeconomicVariablesSensitivityAnalysisTableTextBlock" xlink:to="lab_san_DisclosureOfMacroeconomicVariablesSensitivityAnalysisTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfFinancialAssetsAndLiabilitiesMaturityPeriodsTableTextBlock_019ca0fb-c9cd-7a27-a675-6c963a320bb5_terseLabel_en-US" xlink:label="lab_san_DisclosureOfFinancialAssetsAndLiabilitiesMaturityPeriodsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of certain financial assets and liabilities by maturity</link:label>
    <link:label id="lab_san_DisclosureOfFinancialAssetsAndLiabilitiesMaturityPeriodsTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfFinancialAssetsAndLiabilitiesMaturityPeriodsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Financial Assets And Liabilities Maturity Periods [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfFinancialAssetsAndLiabilitiesMaturityPeriodsTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfFinancialAssetsAndLiabilitiesMaturityPeriodsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of certain financial assets and liabilities by maturity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfFinancialAssetsAndLiabilitiesMaturityPeriodsTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfFinancialAssetsAndLiabilitiesMaturityPeriodsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfFinancialAssetsAndLiabilitiesMaturityPeriodsTableTextBlock" xlink:to="lab_san_DisclosureOfFinancialAssetsAndLiabilitiesMaturityPeriodsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfTransfersOfFinancialAssetsExplanatory_019ca0fb-ca4e-7fb5-8444-586792175211_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfTransfersOfFinancialAssetsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of the breakdown of the securitized loans</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfTransfersOfFinancialAssetsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfTransfersOfFinancialAssetsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of transfers of financial assets [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfTransfersOfFinancialAssetsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfTransfersOfFinancialAssetsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfTransfersOfFinancialAssetsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfTransfersOfFinancialAssetsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EquityMethodInvestmentsAxis_019ca0fb-ca4e-7ad3-b7e3-0d16b56a0188_terseLabel_en-US" xlink:label="lab_san_EquityMethodInvestmentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Associates And Joint Ventures [Axis]</link:label>
    <link:label id="lab_san_EquityMethodInvestmentsAxis_label_en-US" xlink:label="lab_san_EquityMethodInvestmentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Method Investments [Axis]</link:label>
    <link:label id="lab_san_EquityMethodInvestmentsAxis_documentation_en-US" xlink:label="lab_san_EquityMethodInvestmentsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Equity Method Investments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EquityMethodInvestmentsAxis" xlink:href="san-20251231.xsd#san_EquityMethodInvestmentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EquityMethodInvestmentsAxis" xlink:to="lab_san_EquityMethodInvestmentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_country_BR_019ca0fb-c94e-7ecd-89d5-8758887c999e_terseLabel_en-US" xlink:label="lab_country_BR" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Brazil</link:label>
    <link:label id="lab_country_BR_019ca0fb-c94e-7fa1-80c7-d11c48cbc08b_verboseLabel_en-US" xlink:label="lab_country_BR" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Brazil</link:label>
    <link:label id="lab_country_BR_label_en-US" xlink:label="lab_country_BR" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">BRAZIL</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_BR" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_BR"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_BR" xlink:to="lab_country_BR" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentIndividualObjectivesWeight_019ca0fb-c9cd-7839-a329-f349e448c157_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentIndividualObjectivesWeight" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Individual objectives, weight</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentIndividualObjectivesWeight_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentIndividualObjectivesWeight" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Individual Objectives Weight</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentIndividualObjectivesWeight_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentIndividualObjectivesWeight" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Individual Objectives Weight</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentIndividualObjectivesWeight" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentIndividualObjectivesWeight"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentIndividualObjectivesWeight" xlink:to="lab_san_VariableRemunerationDeferredPaymentIndividualObjectivesWeight" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfFinancialLiabilitiesAtFairValueThroughProfitOrLossTableTextBlock_019ca0fb-ca4e-7511-af39-bcd620d6d421_terseLabel_en-US" xlink:label="lab_san_DisclosureOfFinancialLiabilitiesAtFairValueThroughProfitOrLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of detail of liability balances measured at fair value through profit or loss</link:label>
    <link:label id="lab_san_DisclosureOfFinancialLiabilitiesAtFairValueThroughProfitOrLossTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfFinancialLiabilitiesAtFairValueThroughProfitOrLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Financial Liabilities At Fair Value Through Profit Or Loss [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfFinancialLiabilitiesAtFairValueThroughProfitOrLossTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfFinancialLiabilitiesAtFairValueThroughProfitOrLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of financial liabilities measured at fair value through profit or loss.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfFinancialLiabilitiesAtFairValueThroughProfitOrLossTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfFinancialLiabilitiesAtFairValueThroughProfitOrLossTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfFinancialLiabilitiesAtFairValueThroughProfitOrLossTableTextBlock" xlink:to="lab_san_DisclosureOfFinancialLiabilitiesAtFairValueThroughProfitOrLossTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMaximumNumberOfCountries_019ca0fb-cc70-74ac-958d-9a01d40dbb30_terseLabel_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMaximumNumberOfCountries" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum number of countries with One Common Mobile Experience as top three rated entity</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMaximumNumberOfCountries_label_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMaximumNumberOfCountries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, One Common Mobile Experience, Top Rated Entities, Mobile Net Promoter, Maximum Number Of Countries</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMaximumNumberOfCountries_documentation_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMaximumNumberOfCountries" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, One Common Mobile Experience, Top Rated Entities, Mobile Net Promoter, Maximum Number Of Countries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMaximumNumberOfCountries" xlink:href="san-20251231.xsd#san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMaximumNumberOfCountries"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMaximumNumberOfCountries" xlink:to="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMaximumNumberOfCountries" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FinanceIncomeRelatedPartyTransactions_019ca0fb-c94e-7e95-847c-0421beda7f69_terseLabel_en-US" xlink:label="lab_san_FinanceIncomeRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest income</link:label>
    <link:label id="lab_san_FinanceIncomeRelatedPartyTransactions_label_en-US" xlink:label="lab_san_FinanceIncomeRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finance Income, Related Party Transactions</link:label>
    <link:label id="lab_san_FinanceIncomeRelatedPartyTransactions_documentation_en-US" xlink:label="lab_san_FinanceIncomeRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of finance income recognized by the entity in related party transactions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinanceIncomeRelatedPartyTransactions" xlink:href="san-20251231.xsd#san_FinanceIncomeRelatedPartyTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FinanceIncomeRelatedPartyTransactions" xlink:to="lab_san_FinanceIncomeRelatedPartyTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax_019ca0fb-ca4e-776e-858f-0c4331689d16_terseLabel_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other reclassifications</link:label>
    <link:label id="lab_san_OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax_label_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Reclassification Adjustments On Exchange Differences On Translation, Before Tax</link:label>
    <link:label id="lab_san_OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax_documentation_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Reclassification Adjustments On Exchange Differences On Translation, Before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" xlink:href="san-20251231.xsd#san_OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" xlink:to="lab_san_OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember_019ca0fb-cb6b-7a9b-a780-0808a438cb88_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember_019ca0fb-cb6b-7bf0-9ae9-1beecc9482cd_verboseLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities designated at fair value through profit or loss</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember_label_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently, category [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember" xlink:to="lab_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentTSRObjectiveNumberOfPeerCreditInstitutions_019ca0fb-c94e-791f-8d18-4ea6e08f8e92_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentTSRObjectiveNumberOfPeerCreditInstitutions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred payment, TSR objective, number of peer credit institutions</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentTSRObjectiveNumberOfPeerCreditInstitutions_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentTSRObjectiveNumberOfPeerCreditInstitutions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, TSR Objective, Number Of Peer Credit Institutions</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentTSRObjectiveNumberOfPeerCreditInstitutions_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentTSRObjectiveNumberOfPeerCreditInstitutions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, TSR Objective, Number Of Peer Credit Institutions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentTSRObjectiveNumberOfPeerCreditInstitutions" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentTSRObjectiveNumberOfPeerCreditInstitutions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentTSRObjectiveNumberOfPeerCreditInstitutions" xlink:to="lab_san_VariableRemunerationDeferredPaymentTSRObjectiveNumberOfPeerCreditInstitutions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InvestmentFundsMember_019ca0fb-c94d-7977-8dd1-3fe20d7db505_verboseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentFundsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Shares of investment funds</link:label>
    <link:label id="lab_ifrs-full_InvestmentFundsMember_019ca0fb-c94d-719f-b522-b2252d8d4ca2_terseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentFundsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment funds</link:label>
    <link:label id="lab_ifrs-full_InvestmentFundsMember_label_en-US" xlink:label="lab_ifrs-full_InvestmentFundsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment funds [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InvestmentFundsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InvestmentFundsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InvestmentFundsMember" xlink:to="lab_ifrs-full_InvestmentFundsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems_019ca0fb-c9cd-7491-8b27-a2cadf653898_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of transactions between related parties [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of transactions between related parties [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems" xlink:to="lab_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems_019ca0fb-ca4e-7ad0-94bc-aa298f44719f_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of fair value measurement of assets [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of fair value measurement of assets [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems" xlink:to="lab_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DiscountedCashFlowsOnInterestRateCurveMember_019ca0fb-cbee-7774-a22d-6df85a8c3da2_terseLabel_en-US" xlink:label="lab_san_DiscountedCashFlowsOnInterestRateCurveMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discounted Cash Flows on interest rate curve</link:label>
    <link:label id="lab_san_DiscountedCashFlowsOnInterestRateCurveMember_label_en-US" xlink:label="lab_san_DiscountedCashFlowsOnInterestRateCurveMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Discounted Cash Flows On Interest Rate Curve [Member]</link:label>
    <link:label id="lab_san_DiscountedCashFlowsOnInterestRateCurveMember_documentation_en-US" xlink:label="lab_san_DiscountedCashFlowsOnInterestRateCurveMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Discounted Cash Flows On Interest Rate Curve</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DiscountedCashFlowsOnInterestRateCurveMember" xlink:href="san-20251231.xsd#san_DiscountedCashFlowsOnInterestRateCurveMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DiscountedCashFlowsOnInterestRateCurveMember" xlink:to="lab_san_DiscountedCashFlowsOnInterestRateCurveMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AdministrativeExpensesDepreciationAndAmortisationCost_019ca0fb-ca4e-793f-b0a4-64858ef8ae25_negatedTerseLabel_en-US" xlink:label="lab_san_AdministrativeExpensesDepreciationAndAmortisationCost" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Administrative expenses, depreciation and amortisation cost</link:label>
    <link:label id="lab_san_AdministrativeExpensesDepreciationAndAmortisationCost_label_en-US" xlink:label="lab_san_AdministrativeExpensesDepreciationAndAmortisationCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Administrative Expenses, Depreciation And Amortisation Cost</link:label>
    <link:label id="lab_san_AdministrativeExpensesDepreciationAndAmortisationCost_documentation_en-US" xlink:label="lab_san_AdministrativeExpensesDepreciationAndAmortisationCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Administrative Expenses, Depreciation And Amortisation Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AdministrativeExpensesDepreciationAndAmortisationCost" xlink:href="san-20251231.xsd#san_AdministrativeExpensesDepreciationAndAmortisationCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AdministrativeExpensesDepreciationAndAmortisationCost" xlink:to="lab_san_AdministrativeExpensesDepreciationAndAmortisationCost" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProvisionForPostEmploymentDefinedBenefitObligationsMember_019ca0fb-c9cd-7218-b29a-0345df19ecab_terseLabel_en-US" xlink:label="lab_san_ProvisionForPostEmploymentDefinedBenefitObligationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision for post-employment defined benefit obligations</link:label>
    <link:label id="lab_san_ProvisionForPostEmploymentDefinedBenefitObligationsMember_label_en-US" xlink:label="lab_san_ProvisionForPostEmploymentDefinedBenefitObligationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provision For Post Employment Defined Benefit Obligations [Member]</link:label>
    <link:label id="lab_san_ProvisionForPostEmploymentDefinedBenefitObligationsMember_documentation_en-US" xlink:label="lab_san_ProvisionForPostEmploymentDefinedBenefitObligationsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents the provision for post-employment defined benefit obligations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProvisionForPostEmploymentDefinedBenefitObligationsMember" xlink:href="san-20251231.xsd#san_ProvisionForPostEmploymentDefinedBenefitObligationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProvisionForPostEmploymentDefinedBenefitObligationsMember" xlink:to="lab_san_ProvisionForPostEmploymentDefinedBenefitObligationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ContingentLiabilitiesAndContingentCommitmentsMember_019ca0fb-ca4e-79a6-ad66-1a58a86f6179_terseLabel_en-US" xlink:label="lab_san_ContingentLiabilitiesAndContingentCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">MEMORANDUM ITEMS</link:label>
    <link:label id="lab_san_ContingentLiabilitiesAndContingentCommitmentsMember_label_en-US" xlink:label="lab_san_ContingentLiabilitiesAndContingentCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contingent Liabilities And Contingent Commitments [Member]</link:label>
    <link:label id="lab_san_ContingentLiabilitiesAndContingentCommitmentsMember_documentation_en-US" xlink:label="lab_san_ContingentLiabilitiesAndContingentCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to contingent liabilities and contingent commitments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ContingentLiabilitiesAndContingentCommitmentsMember" xlink:href="san-20251231.xsd#san_ContingentLiabilitiesAndContingentCommitmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ContingentLiabilitiesAndContingentCommitmentsMember" xlink:to="lab_san_ContingentLiabilitiesAndContingentCommitmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderBankPolskaSAMember_019ca0fb-ca4e-7ffa-9f73-f53ceed6c84c_terseLabel_en-US" xlink:label="lab_san_SantanderBankPolskaSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Bank Polska S.A.</link:label>
    <link:label id="lab_san_SantanderBankPolskaSAMember_label_en-US" xlink:label="lab_san_SantanderBankPolskaSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Bank Polska SA [Member]</link:label>
    <link:label id="lab_san_SantanderBankPolskaSAMember_documentation_en-US" xlink:label="lab_san_SantanderBankPolskaSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to Santander Bank Polska SA.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderBankPolskaSAMember" xlink:href="san-20251231.xsd#san_SantanderBankPolskaSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderBankPolskaSAMember" xlink:to="lab_san_SantanderBankPolskaSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LegalCaseRelatingToProgramaDeIntegracaoSocialAndContribuicaoParaFinanciamentoDaSeguridadeSocialMember_019ca0fb-c94d-7c70-b9f9-595e7b01daa2_terseLabel_en-US" xlink:label="lab_san_LegalCaseRelatingToProgramaDeIntegracaoSocialAndContribuicaoParaFinanciamentoDaSeguridadeSocialMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal Case Relating To Programa de Integra&#231;ao Social And Contribui&#231;&#227;o para Financiamento da Seguridade Social</link:label>
    <link:label id="lab_san_LegalCaseRelatingToProgramaDeIntegracaoSocialAndContribuicaoParaFinanciamentoDaSeguridadeSocialMember_label_en-US" xlink:label="lab_san_LegalCaseRelatingToProgramaDeIntegracaoSocialAndContribuicaoParaFinanciamentoDaSeguridadeSocialMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal Case Relating To Programa de Integra&#231;ao Social And Contribui&#231;&#227;o para Financiamento da Seguridade Social [Member]</link:label>
    <link:label id="lab_san_LegalCaseRelatingToProgramaDeIntegracaoSocialAndContribuicaoParaFinanciamentoDaSeguridadeSocialMember_documentation_en-US" xlink:label="lab_san_LegalCaseRelatingToProgramaDeIntegracaoSocialAndContribuicaoParaFinanciamentoDaSeguridadeSocialMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Legal Case Relating To Programa De Integra&#231;ao Social And Contribui&#231;&#227;o Para Financiamento Da Seguridade Social</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LegalCaseRelatingToProgramaDeIntegracaoSocialAndContribuicaoParaFinanciamentoDaSeguridadeSocialMember" xlink:href="san-20251231.xsd#san_LegalCaseRelatingToProgramaDeIntegracaoSocialAndContribuicaoParaFinanciamentoDaSeguridadeSocialMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LegalCaseRelatingToProgramaDeIntegracaoSocialAndContribuicaoParaFinanciamentoDaSeguridadeSocialMember" xlink:to="lab_san_LegalCaseRelatingToProgramaDeIntegracaoSocialAndContribuicaoParaFinanciamentoDaSeguridadeSocialMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderUKPLCMember_019ca0fb-c9cd-7b2b-b277-91acb2b2094f_terseLabel_en-US" xlink:label="lab_san_SantanderUKPLCMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander UK plc</link:label>
    <link:label id="lab_san_SantanderUKPLCMember_label_en-US" xlink:label="lab_san_SantanderUKPLCMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander UK PLC [Member]</link:label>
    <link:label id="lab_san_SantanderUKPLCMember_documentation_en-US" xlink:label="lab_san_SantanderUKPLCMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information related to Santander UK plc, a subsidiary of the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderUKPLCMember" xlink:href="san-20251231.xsd#san_SantanderUKPLCMember"/>
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    <link:label id="lab_san_ReceivableOnDemandMember_019ca0fb-cad3-7717-8af0-1a8ebbdb8ecc_terseLabel_en-US" xlink:label="lab_san_ReceivableOnDemandMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Receivable on demand</link:label>
    <link:label id="lab_san_ReceivableOnDemandMember_label_en-US" xlink:label="lab_san_ReceivableOnDemandMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Receivable On Demand [Member]</link:label>
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    <link:label id="lab_country_CL_019ca0fb-c94e-7d07-86bd-bb93b01fa123_terseLabel_en-US" xlink:label="lab_country_CL" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Chile</link:label>
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    <link:label id="lab_ifrs-full_ClassesOfShareCapitalDomain_019ca0fb-cad3-7246-868f-635192f89f27_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfShareCapitalDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of share capital [domain]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfShareCapitalDomain_label_en-US" xlink:label="lab_ifrs-full_ClassesOfShareCapitalDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of share capital [domain]</link:label>
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    <link:label id="lab_ifrs-full_GainsLossesOnDisposalsOfOtherNoncurrentAssets_label_en-US" xlink:label="lab_ifrs-full_GainsLossesOnDisposalsOfOtherNoncurrentAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (losses) on disposals of other non-current assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesOnDisposalsOfOtherNoncurrentAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainsLossesOnDisposalsOfOtherNoncurrentAssets"/>
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    <link:label id="lab_san_InvestmentsInSubsidiariesJointVenturesAndAssociatesAcquisitionsDisposalsAndCapitalIncreasesReductions_019ca0fb-c94e-7c89-bf23-5b54b80a012a_terseLabel_en-US" xlink:label="lab_san_InvestmentsInSubsidiariesJointVenturesAndAssociatesAcquisitionsDisposalsAndCapitalIncreasesReductions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Acquisitions (disposals) of companies and capital increases (reductions)</link:label>
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    <link:label id="lab_san_UnitedStatesDollarAndChilePesoMember_019ca0fb-cb6b-7115-ae11-485dbaa8e7c9_terseLabel_en-US" xlink:label="lab_san_UnitedStatesDollarAndChilePesoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">USD/CLP</link:label>
    <link:label id="lab_san_UnitedStatesDollarAndChilePesoMember_label_en-US" xlink:label="lab_san_UnitedStatesDollarAndChilePesoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">United States Dollar And Chile Peso [Member]</link:label>
    <link:label id="lab_san_UnitedStatesDollarAndChilePesoMember_documentation_en-US" xlink:label="lab_san_UnitedStatesDollarAndChilePesoMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">United States Dollar And Chile Peso</link:label>
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    <link:label id="lab_san_IssuanceOfOtherFinancialInstruments_019ca0fb-cbee-78b0-9c82-cac7f2d7f2c0_terseLabel_en-US" xlink:label="lab_san_IssuanceOfOtherFinancialInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance of other financial instruments</link:label>
    <link:label id="lab_san_IssuanceOfOtherFinancialInstruments_label_en-US" xlink:label="lab_san_IssuanceOfOtherFinancialInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance Of Other Financial Instruments</link:label>
    <link:label id="lab_san_IssuanceOfOtherFinancialInstruments_documentation_en-US" xlink:label="lab_san_IssuanceOfOtherFinancialInstruments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance Of Other Financial Instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceOfOtherFinancialInstruments" xlink:href="san-20251231.xsd#san_IssuanceOfOtherFinancialInstruments"/>
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    <link:label id="lab_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs_019ca0fb-c94e-7337-8230-c2ff3e8d0112_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable subject to long-term objectives in RSUs</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Variable Share-Based Long-Term Employee Benefits, RSUs</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Variable Share-Based Long-Term Employee Benefits, RSUs</link:label>
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    <link:label id="lab_country_AR_019ca0fb-cb6b-77a2-89a8-a215e890ddb1_terseLabel_en-US" xlink:label="lab_country_AR" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Argentina</link:label>
    <link:label id="lab_country_AR_label_en-US" xlink:label="lab_country_AR" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ARGENTINA</link:label>
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    <link:label id="lab_ifrs-full_ClassesOfFinancialLiabilitiesAxis_019ca0fb-c9cd-7b05-a1da-7c69a9efb5c2_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfFinancialLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of financial liabilities [axis]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfFinancialLiabilitiesAxis_label_en-US" xlink:label="lab_ifrs-full_ClassesOfFinancialLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of financial liabilities [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfFinancialLiabilitiesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfFinancialLiabilitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfFinancialLiabilitiesAxis" xlink:to="lab_ifrs-full_ClassesOfFinancialLiabilitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfFinancialLiabilitiesDomain_019ca0fb-c9cd-72dd-8872-58c9b682e5be_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfFinancialLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of financial liabilities [domain]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfFinancialLiabilitiesDomain_label_en-US" xlink:label="lab_ifrs-full_ClassesOfFinancialLiabilitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of financial liabilities [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfFinancialLiabilitiesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfFinancialLiabilitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfFinancialLiabilitiesDomain" xlink:to="lab_ifrs-full_ClassesOfFinancialLiabilitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_BorrowingsAdjustmentToInterestRateBasis_019ca0fb-ca4e-70e8-9bf2-e97c9c42a2d0_terseLabel_en-US" xlink:label="lab_ifrs-full_BorrowingsAdjustmentToInterestRateBasis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable interest rate</link:label>
    <link:label id="lab_ifrs-full_BorrowingsAdjustmentToInterestRateBasis_label_en-US" xlink:label="lab_ifrs-full_BorrowingsAdjustmentToInterestRateBasis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Borrowings, adjustment to interest rate basis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BorrowingsAdjustmentToInterestRateBasis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_BorrowingsAdjustmentToInterestRateBasis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BorrowingsAdjustmentToInterestRateBasis" xlink:to="lab_ifrs-full_BorrowingsAdjustmentToInterestRateBasis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainRecognisedInBargainPurchaseTransaction_019ca0fb-c9cd-7d2a-aabe-a35258d64705_terseLabel_en-US" xlink:label="lab_ifrs-full_GainRecognisedInBargainPurchaseTransaction" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Negative goodwill recognized in results</link:label>
    <link:label id="lab_ifrs-full_GainRecognisedInBargainPurchaseTransaction_label_en-US" xlink:label="lab_ifrs-full_GainRecognisedInBargainPurchaseTransaction" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain recognised in bargain purchase transaction</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainRecognisedInBargainPurchaseTransaction" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainRecognisedInBargainPurchaseTransaction"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainRecognisedInBargainPurchaseTransaction" xlink:to="lab_ifrs-full_GainRecognisedInBargainPurchaseTransaction" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EstimationOfExpectedLossesManheimIndex_019ca0fb-c94e-78a4-83df-f09015bbe354_terseLabel_en-US" xlink:label="lab_san_EstimationOfExpectedLossesManheimIndex" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Manheim index</link:label>
    <link:label id="lab_san_EstimationOfExpectedLossesManheimIndex_label_en-US" xlink:label="lab_san_EstimationOfExpectedLossesManheimIndex" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimation Of Expected Losses, Manheim Index</link:label>
    <link:label id="lab_san_EstimationOfExpectedLossesManheimIndex_documentation_en-US" xlink:label="lab_san_EstimationOfExpectedLossesManheimIndex" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Estimation Of Expected Losses, Manheim Index</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EstimationOfExpectedLossesManheimIndex" xlink:href="san-20251231.xsd#san_EstimationOfExpectedLossesManheimIndex"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EstimationOfExpectedLossesManheimIndex" xlink:to="lab_san_EstimationOfExpectedLossesManheimIndex" xlink:type="arc" order="1"/>
    <link:label id="lab_san_A2025ProgramMember_019ca0fb-ca4e-746d-b5cb-d55ac6373714_terseLabel_en-US" xlink:label="lab_san_A2025ProgramMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2025 Program</link:label>
    <link:label id="lab_san_A2025ProgramMember_label_en-US" xlink:label="lab_san_A2025ProgramMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">2025 Program [Member]</link:label>
    <link:label id="lab_san_A2025ProgramMember_documentation_en-US" xlink:label="lab_san_A2025ProgramMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">2025 Program</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_A2025ProgramMember" xlink:href="san-20251231.xsd#san_A2025ProgramMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_A2025ProgramMember" xlink:to="lab_san_A2025ProgramMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax_019ca0fb-c9cd-7bc5-8f61-16331ea92ef9_terseLabel_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other reclassifications</link:label>
    <link:label id="lab_san_OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax_label_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Reclassification Adjustments On Cash Flow Hedges, Before Tax</link:label>
    <link:label id="lab_san_OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax_documentation_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Reclassification Adjustments On Cash Flow Hedges, Before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" xlink:href="san-20251231.xsd#san_OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" xlink:to="lab_san_OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities_019ca0fb-ca4e-7f53-96fa-b929a30ac719_terseLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsidiaries and other business units</link:label>
    <link:label id="lab_ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities_label_en-US" xlink:label="lab_ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash flows used in obtaining control of subsidiaries or other businesses, classified as investing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:to="lab_ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementLiabilities_019ca0fb-cad3-77a9-bcde-ba52a0943a1e_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains (losses) recognised in other comprehensive income including exchange differences, fair value measurement, liabilities</link:label>
    <link:label id="lab_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementLiabilities_label_en-US" xlink:label="lab_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (losses) recognised in other comprehensive income including exchange differences, fair value measurement, liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementLiabilities" xlink:to="lab_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfJurisdictionsWithinEUsBlacklist_019ca0fb-c9cd-7361-8678-93a7d3427765_terseLabel_en-US" xlink:label="lab_san_NumberOfJurisdictionsWithinEUsBlacklist" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of jurisdictions within EU's blacklist</link:label>
    <link:label id="lab_san_NumberOfJurisdictionsWithinEUsBlacklist_label_en-US" xlink:label="lab_san_NumberOfJurisdictionsWithinEUsBlacklist" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Jurisdictions Within EU's Blacklist</link:label>
    <link:label id="lab_san_NumberOfJurisdictionsWithinEUsBlacklist_documentation_en-US" xlink:label="lab_san_NumberOfJurisdictionsWithinEUsBlacklist" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Of Jurisdictions Within EU's Blacklist</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfJurisdictionsWithinEUsBlacklist" xlink:href="san-20251231.xsd#san_NumberOfJurisdictionsWithinEUsBlacklist"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfJurisdictionsWithinEUsBlacklist" xlink:to="lab_san_NumberOfJurisdictionsWithinEUsBlacklist" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CurrencyAndInterestRateRiskMember_019ca0fb-cb6b-7d5e-b0a3-4b18a47c4aeb_terseLabel_en-US" xlink:label="lab_san_CurrencyAndInterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate, exchange rate</link:label>
    <link:label id="lab_san_CurrencyAndInterestRateRiskMember_label_en-US" xlink:label="lab_san_CurrencyAndInterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Currency And Interest Rate Risk [Member]</link:label>
    <link:label id="lab_san_CurrencyAndInterestRateRiskMember_documentation_en-US" xlink:label="lab_san_CurrencyAndInterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for a type of market risk representing the risk that the fair value or future cash flows of a financial instrument will fluctuate because of changes in foreign exchange rates and interest rates.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CurrencyAndInterestRateRiskMember" xlink:href="san-20251231.xsd#san_CurrencyAndInterestRateRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CurrencyAndInterestRateRiskMember" xlink:to="lab_san_CurrencyAndInterestRateRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PaymentsToRedeemEntityShares_019ca0fb-c94e-7df4-9bd5-c9748a5183c8_terseLabel_en-US" xlink:label="lab_san_PaymentsToRedeemEntityShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Redemption of own equity instruments</link:label>
    <link:label id="lab_san_PaymentsToRedeemEntityShares_label_en-US" xlink:label="lab_san_PaymentsToRedeemEntityShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments To Redeem Entity Shares</link:label>
    <link:label id="lab_san_PaymentsToRedeemEntityShares_documentation_en-US" xlink:label="lab_san_PaymentsToRedeemEntityShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Payments To Redeem Entity Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PaymentsToRedeemEntityShares" xlink:href="san-20251231.xsd#san_PaymentsToRedeemEntityShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PaymentsToRedeemEntityShares" xlink:to="lab_san_PaymentsToRedeemEntityShares" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PlanAssetsMember_019ca0fb-c94e-7baf-8747-8a49a88da1cf_terseLabel_en-US" xlink:label="lab_ifrs-full_PlanAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Plan assets</link:label>
    <link:label id="lab_ifrs-full_PlanAssetsMember_label_en-US" xlink:label="lab_ifrs-full_PlanAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Plan assets [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PlanAssetsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PlanAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PlanAssetsMember" xlink:to="lab_ifrs-full_PlanAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_UndiscountedOperatingLeasePaymentsToBeReceived_019ca0fb-c94e-7ef8-8486-889f9c58413b_terseLabel_en-US" xlink:label="lab_ifrs-full_UndiscountedOperatingLeasePaymentsToBeReceived" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Undiscounted operating lease payments to be received</link:label>
    <link:label id="lab_ifrs-full_UndiscountedOperatingLeasePaymentsToBeReceived_label_en-US" xlink:label="lab_ifrs-full_UndiscountedOperatingLeasePaymentsToBeReceived" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Undiscounted operating lease payments to be received</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_UndiscountedOperatingLeasePaymentsToBeReceived" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_UndiscountedOperatingLeasePaymentsToBeReceived"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_UndiscountedOperatingLeasePaymentsToBeReceived" xlink:to="lab_ifrs-full_UndiscountedOperatingLeasePaymentsToBeReceived" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LeaseLiabilities_019ca0fb-cbee-7ce0-b9e7-79530906e28e_terseLabel_en-US" xlink:label="lab_ifrs-full_LeaseLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lease liabilities</link:label>
    <link:label id="lab_ifrs-full_LeaseLiabilities_label_en-US" xlink:label="lab_ifrs-full_LeaseLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lease liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LeaseLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LeaseLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LeaseLiabilities" xlink:to="lab_ifrs-full_LeaseLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ContractualServiceMarginMember_019ca0fb-cbee-7bca-8d61-8be377505c14_terseLabel_en-US" xlink:label="lab_ifrs-full_ContractualServiceMarginMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contractual service margin</link:label>
    <link:label id="lab_ifrs-full_ContractualServiceMarginMember_label_en-US" xlink:label="lab_ifrs-full_ContractualServiceMarginMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contractual service margin [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ContractualServiceMarginMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ContractualServiceMarginMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ContractualServiceMarginMember" xlink:to="lab_ifrs-full_ContractualServiceMarginMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SensitivityAnalysisCashFlowProjectionsDecrease_019ca0fb-cbee-73e8-b937-0f50619743fc_terseLabel_en-US" xlink:label="lab_san_SensitivityAnalysisCashFlowProjectionsDecrease" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sensitivity analysis, cash flow projections, decrease</link:label>
    <link:label id="lab_san_SensitivityAnalysisCashFlowProjectionsDecrease_label_en-US" xlink:label="lab_san_SensitivityAnalysisCashFlowProjectionsDecrease" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis, Cash Flow Projections, Decrease</link:label>
    <link:label id="lab_san_SensitivityAnalysisCashFlowProjectionsDecrease_documentation_en-US" xlink:label="lab_san_SensitivityAnalysisCashFlowProjectionsDecrease" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis, Cash Flow Projections, Decrease</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SensitivityAnalysisCashFlowProjectionsDecrease" xlink:href="san-20251231.xsd#san_SensitivityAnalysisCashFlowProjectionsDecrease"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SensitivityAnalysisCashFlowProjectionsDecrease" xlink:to="lab_san_SensitivityAnalysisCashFlowProjectionsDecrease" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ActuarialAssumptionOfExpectedAnnualRateOfBenefitIncreases_019ca0fb-cb6b-796b-a1dc-ce5c3a1bd68f_terseLabel_en-US" xlink:label="lab_san_ActuarialAssumptionOfExpectedAnnualRateOfBenefitIncreases" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Annual benefit increase rate</link:label>
    <link:label id="lab_san_ActuarialAssumptionOfExpectedAnnualRateOfBenefitIncreases_label_en-US" xlink:label="lab_san_ActuarialAssumptionOfExpectedAnnualRateOfBenefitIncreases" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Actuarial Assumption Of Expected Annual Rate Of Benefit Increases</link:label>
    <link:label id="lab_san_ActuarialAssumptionOfExpectedAnnualRateOfBenefitIncreases_documentation_en-US" xlink:label="lab_san_ActuarialAssumptionOfExpectedAnnualRateOfBenefitIncreases" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Actuarial Assumption Of Expected Annual Rate Of Benefit Increases</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ActuarialAssumptionOfExpectedAnnualRateOfBenefitIncreases" xlink:href="san-20251231.xsd#san_ActuarialAssumptionOfExpectedAnnualRateOfBenefitIncreases"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ActuarialAssumptionOfExpectedAnnualRateOfBenefitIncreases" xlink:to="lab_san_ActuarialAssumptionOfExpectedAnnualRateOfBenefitIncreases" xlink:type="arc" order="1"/>
    <link:label id="lab_country_BM_019ca0fb-c94e-7a62-8224-97aa824dbd57_terseLabel_en-US" xlink:label="lab_country_BM" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bermuda</link:label>
    <link:label id="lab_country_BM_label_en-US" xlink:label="lab_country_BM" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">BERMUDA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_BM" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_BM"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_BM" xlink:to="lab_country_BM" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation_019ca0fb-cc70-7e4b-9426-5c43983f99ce_terseLabel_en-US" xlink:label="lab_san_ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Time frame, historical simulation</link:label>
    <link:label id="lab_san_ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation_019ca0fb-cc70-7c48-b868-7fe9e5e486c8_verboseLabel_en-US" xlink:label="lab_san_ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Time horizon</link:label>
    <link:label id="lab_san_ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation_label_en-US" xlink:label="lab_san_ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Value at Risk, Confidence Level Time Frame, Historical Simulation</link:label>
    <link:label id="lab_san_ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation_documentation_en-US" xlink:label="lab_san_ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The measurement horizon for the calculation of value at risk, i.e., losses per this number of days.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation" xlink:href="san-20251231.xsd#san_ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation" xlink:to="lab_san_ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherEmployeesMember_019ca0fb-cbee-7581-abd8-90629e248faf_terseLabel_en-US" xlink:label="lab_san_OtherEmployeesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other employees</link:label>
    <link:label id="lab_san_OtherEmployeesMember_label_en-US" xlink:label="lab_san_OtherEmployeesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Employees [Member]</link:label>
    <link:label id="lab_san_OtherEmployeesMember_documentation_en-US" xlink:label="lab_san_OtherEmployeesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents for other management</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherEmployeesMember" xlink:href="san-20251231.xsd#san_OtherEmployeesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherEmployeesMember" xlink:to="lab_san_OtherEmployeesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfReservesOfSubsidiariesTableTextBlock_019ca0fb-c9cd-7d3f-9651-c358cb5c634f_terseLabel_en-US" xlink:label="lab_san_DisclosureOfReservesOfSubsidiariesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of reserves of subsidiaries based on the companies' contribution to the Group</link:label>
    <link:label id="lab_san_DisclosureOfReservesOfSubsidiariesTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfReservesOfSubsidiariesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Reserves Of Subsidiaries [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfReservesOfSubsidiariesTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfReservesOfSubsidiariesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of reserves of subsidiaries within Accumulated retained earnings.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfReservesOfSubsidiariesTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfReservesOfSubsidiariesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfReservesOfSubsidiariesTableTextBlock" xlink:to="lab_san_DisclosureOfReservesOfSubsidiariesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2020Member_019ca0fb-cb6b-7cf1-ac00-717fc5e694e9_terseLabel_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2020Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2020 variable remuneration</link:label>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2020Member_label_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2020Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Based Variable Remuneration Award 2020 [Member]</link:label>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2020Member_documentation_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2020Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share Based Variable Remuneration Award 2020</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ShareBasedVariableRemunerationAward2020Member" xlink:href="san-20251231.xsd#san_ShareBasedVariableRemunerationAward2020Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ShareBasedVariableRemunerationAward2020Member" xlink:to="lab_san_ShareBasedVariableRemunerationAward2020Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PurchaseOfTreasurySharesNumberOfShares_019ca0fb-cb6b-739b-90a3-54713adc452f_terseLabel_en-US" xlink:label="lab_san_PurchaseOfTreasurySharesNumberOfShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Purchase of treasury shares (in shares)</link:label>
    <link:label id="lab_san_PurchaseOfTreasurySharesNumberOfShares_label_en-US" xlink:label="lab_san_PurchaseOfTreasurySharesNumberOfShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Purchase Of Treasury Shares, Number Of Shares</link:label>
    <link:label id="lab_san_PurchaseOfTreasurySharesNumberOfShares_documentation_en-US" xlink:label="lab_san_PurchaseOfTreasurySharesNumberOfShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Purchase Of Treasury Shares, Number Of Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PurchaseOfTreasurySharesNumberOfShares" xlink:href="san-20251231.xsd#san_PurchaseOfTreasurySharesNumberOfShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PurchaseOfTreasurySharesNumberOfShares" xlink:to="lab_san_PurchaseOfTreasurySharesNumberOfShares" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_MinimumMember_019ca0fb-cc70-7734-9911-dabe6ebbe616_terseLabel_en-US" xlink:label="lab_srt_MinimumMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum</link:label>
    <link:label id="lab_srt_MinimumMember_label_en-US" xlink:label="lab_srt_MinimumMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Minimum [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MinimumMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_MinimumMember" xlink:to="lab_srt_MinimumMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProfitLossFromContinuingOperations_019ca0fb-cb6b-7dc8-95d1-95803a99e472_totalLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossFromContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Profit/(loss) from continuing operations</link:label>
    <link:label id="lab_ifrs-full_ProfitLossFromContinuingOperations_019ca0fb-cb6b-76d7-b2f0-ae7f83d58f86_terseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossFromContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Profit (loss) from continuing operations</link:label>
    <link:label id="lab_ifrs-full_ProfitLossFromContinuingOperations_019ca0fb-cb6b-7244-a923-aa4c38862d9c_verboseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossFromContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Income/ (charges) for the period from continuing operations</link:label>
    <link:label id="lab_ifrs-full_ProfitLossFromContinuingOperations_label_en-US" xlink:label="lab_ifrs-full_ProfitLossFromContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit (loss) from continuing operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProfitLossFromContinuingOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProfitLossFromContinuingOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProfitLossFromContinuingOperations" xlink:to="lab_ifrs-full_ProfitLossFromContinuingOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember_019ca0fb-ca4e-7bdf-b741-bb79b5ed2818_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets held for trading</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through profit or loss, classified as held for trading, category [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember" xlink:to="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PurchasesFairValueMeasurementAssets_019ca0fb-cbee-722e-a94f-39ea689a9f33_terseLabel_en-US" xlink:label="lab_ifrs-full_PurchasesFairValueMeasurementAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Purchases /Issuances</link:label>
    <link:label id="lab_ifrs-full_PurchasesFairValueMeasurementAssets_label_en-US" xlink:label="lab_ifrs-full_PurchasesFairValueMeasurementAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Purchases, fair value measurement, assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PurchasesFairValueMeasurementAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PurchasesFairValueMeasurementAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PurchasesFairValueMeasurementAssets" xlink:to="lab_ifrs-full_PurchasesFairValueMeasurementAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneMinimumNumberOfCountriesWithSuperDigitalExcludingBrazil_019ca0fb-cb6b-76a4-9d61-63742cd42c51_terseLabel_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneMinimumNumberOfCountriesWithSuperDigitalExcludingBrazil" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum number of countries with SuperDigital, excluding Brazil</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneMinimumNumberOfCountriesWithSuperDigitalExcludingBrazil_label_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneMinimumNumberOfCountriesWithSuperDigitalExcludingBrazil" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Minimum Number Of Countries With SuperDigital, Excluding Brazil</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneMinimumNumberOfCountriesWithSuperDigitalExcludingBrazil_documentation_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneMinimumNumberOfCountriesWithSuperDigitalExcludingBrazil" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Minimum Number Of Countries With SuperDigital, Excluding Brazil</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableRemunerationMilestoneMinimumNumberOfCountriesWithSuperDigitalExcludingBrazil" xlink:href="san-20251231.xsd#san_DeferredVariableRemunerationMilestoneMinimumNumberOfCountriesWithSuperDigitalExcludingBrazil"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableRemunerationMilestoneMinimumNumberOfCountriesWithSuperDigitalExcludingBrazil" xlink:to="lab_san_DeferredVariableRemunerationMilestoneMinimumNumberOfCountriesWithSuperDigitalExcludingBrazil" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RecoverableAmountsOfCertainCashGeneratingUnitsPeriodUsedInEstimate_019ca0fb-cad3-780d-9bcc-6e7b5ce40580_terseLabel_en-US" xlink:label="lab_san_RecoverableAmountsOfCertainCashGeneratingUnitsPeriodUsedInEstimate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earnings projections based on financial budgets, approve period</link:label>
    <link:label id="lab_san_RecoverableAmountsOfCertainCashGeneratingUnitsPeriodUsedInEstimate_label_en-US" xlink:label="lab_san_RecoverableAmountsOfCertainCashGeneratingUnitsPeriodUsedInEstimate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Recoverable Amounts Of Certain Cash Generating Units, Period Used In Estimate</link:label>
    <link:label id="lab_san_RecoverableAmountsOfCertainCashGeneratingUnitsPeriodUsedInEstimate_documentation_en-US" xlink:label="lab_san_RecoverableAmountsOfCertainCashGeneratingUnitsPeriodUsedInEstimate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Recoverable Amounts Of Certain Cash Generating Units, Period Used In Estimate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RecoverableAmountsOfCertainCashGeneratingUnitsPeriodUsedInEstimate" xlink:href="san-20251231.xsd#san_RecoverableAmountsOfCertainCashGeneratingUnitsPeriodUsedInEstimate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RecoverableAmountsOfCertainCashGeneratingUnitsPeriodUsedInEstimate" xlink:to="lab_san_RecoverableAmountsOfCertainCashGeneratingUnitsPeriodUsedInEstimate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceBySantanderFinancePreferredSAInSeptember2004Member_019ca0fb-cb6b-73e6-8dbe-8199d50a5716_terseLabel_en-US" xlink:label="lab_san_IssuanceBySantanderFinancePreferredSAInSeptember2004Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Finance Preferred, S.A. (Unipersonal), September 2004</link:label>
    <link:label id="lab_san_IssuanceBySantanderFinancePreferredSAInSeptember2004Member_label_en-US" xlink:label="lab_san_IssuanceBySantanderFinancePreferredSAInSeptember2004Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Santander Finance Preferred S.A. In September 2004 [Member]</link:label>
    <link:label id="lab_san_IssuanceBySantanderFinancePreferredSAInSeptember2004Member_documentation_en-US" xlink:label="lab_san_IssuanceBySantanderFinancePreferredSAInSeptember2004Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to issuance of preference shares or preferred securities by Santander Finance Preferred S.A. In September 2004.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceBySantanderFinancePreferredSAInSeptember2004Member" xlink:href="san-20251231.xsd#san_IssuanceBySantanderFinancePreferredSAInSeptember2004Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceBySantanderFinancePreferredSAInSeptember2004Member" xlink:to="lab_san_IssuanceBySantanderFinancePreferredSAInSeptember2004Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects_019ca0fb-cb6b-7ff2-9781-cd2914ebb457_totalLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Profit (loss) attributable to ordinary equity holders of parent including dilutive effects</link:label>
    <link:label id="lab_ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects_label_en-US" xlink:label="lab_ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit (loss), attributable to ordinary equity holders of parent entity, used in calculating diluted earnings per share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" xlink:to="lab_ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LitigationContingenciesDecreaseInLossesOnLitigationSettlements_019ca0fb-cb6b-7a4a-adf2-f49c84077c9d_terseLabel_en-US" xlink:label="lab_san_LitigationContingenciesDecreaseInLossesOnLitigationSettlements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Decrease in losses on litigation settlements</link:label>
    <link:label id="lab_san_LitigationContingenciesDecreaseInLossesOnLitigationSettlements_label_en-US" xlink:label="lab_san_LitigationContingenciesDecreaseInLossesOnLitigationSettlements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Litigation Contingencies, Decrease In Losses On Litigation Settlements</link:label>
    <link:label id="lab_san_LitigationContingenciesDecreaseInLossesOnLitigationSettlements_documentation_en-US" xlink:label="lab_san_LitigationContingenciesDecreaseInLossesOnLitigationSettlements" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Litigation Contingencies, Decrease In Losses On Litigation Settlements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LitigationContingenciesDecreaseInLossesOnLitigationSettlements" xlink:href="san-20251231.xsd#san_LitigationContingenciesDecreaseInLossesOnLitigationSettlements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LitigationContingenciesDecreaseInLossesOnLitigationSettlements" xlink:to="lab_san_LitigationContingenciesDecreaseInLossesOnLitigationSettlements" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherEuropeanCountriesMember_019ca0fb-cb6b-7ab1-9a11-407c7bec32a0_terseLabel_en-US" xlink:label="lab_san_OtherEuropeanCountriesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other EU countries</link:label>
    <link:label id="lab_san_OtherEuropeanCountriesMember_label_en-US" xlink:label="lab_san_OtherEuropeanCountriesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other European Countries [Member]</link:label>
    <link:label id="lab_san_OtherEuropeanCountriesMember_documentation_en-US" xlink:label="lab_san_OtherEuropeanCountriesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other European Countries.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherEuropeanCountriesMember" xlink:href="san-20251231.xsd#san_OtherEuropeanCountriesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherEuropeanCountriesMember" xlink:to="lab_san_OtherEuropeanCountriesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IfrsRiskWeightedAssets_019ca0fb-c9cd-7e0c-bff2-144eb1474a04_terseLabel_en-US" xlink:label="lab_san_IfrsRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Risk-weighted assets (EUR million)</link:label>
    <link:label id="lab_san_IfrsRiskWeightedAssets_label_en-US" xlink:label="lab_san_IfrsRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS Risk Weighted Assets</link:label>
    <link:label id="lab_san_IfrsRiskWeightedAssets_documentation_en-US" xlink:label="lab_san_IfrsRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of risk-weighted assets as calculated in accordance with international regulatory capital standards.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IfrsRiskWeightedAssets" xlink:href="san-20251231.xsd#san_IfrsRiskWeightedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IfrsRiskWeightedAssets" xlink:to="lab_san_IfrsRiskWeightedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IssuedCapital_019ca0fb-c94e-7423-962a-1e2bbbddf1ca_totalLabel_en-US" xlink:label="lab_ifrs-full_IssuedCapital" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">CAPITAL</link:label>
    <link:label id="lab_ifrs-full_IssuedCapital_019ca0fb-c94e-757b-a9b2-055bdda8696a_terseLabel_en-US" xlink:label="lab_ifrs-full_IssuedCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capital stock</link:label>
    <link:label id="lab_ifrs-full_IssuedCapital_019ca0fb-c94e-7b0f-988b-2d183c67c440_netLabel_en-US" xlink:label="lab_ifrs-full_IssuedCapital" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Subscribed capital</link:label>
    <link:label id="lab_ifrs-full_IssuedCapital_019ca0fb-c94e-7ec3-809f-622ba4e0fd3c_verboseLabel_en-US" xlink:label="lab_ifrs-full_IssuedCapital" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Share capital</link:label>
    <link:label id="lab_ifrs-full_IssuedCapital_label_en-US" xlink:label="lab_ifrs-full_IssuedCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issued capital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IssuedCapital" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IssuedCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IssuedCapital" xlink:to="lab_ifrs-full_IssuedCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AssetsUnderManagementMember_019ca0fb-ca4e-7b85-b057-69bf644efd5a_terseLabel_en-US" xlink:label="lab_san_AssetsUnderManagementMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets under management</link:label>
    <link:label id="lab_san_AssetsUnderManagementMember_label_en-US" xlink:label="lab_san_AssetsUnderManagementMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets Under Management [Member]</link:label>
    <link:label id="lab_san_AssetsUnderManagementMember_documentation_en-US" xlink:label="lab_san_AssetsUnderManagementMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for assets under management.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AssetsUnderManagementMember" xlink:href="san-20251231.xsd#san_AssetsUnderManagementMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AssetsUnderManagementMember" xlink:to="lab_san_AssetsUnderManagementMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RetiredCapitalReserve_019ca0fb-c94e-7af9-92b2-c2aad05d1288_terseLabel_en-US" xlink:label="lab_san_RetiredCapitalReserve" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reserve for retired capital</link:label>
    <link:label id="lab_san_RetiredCapitalReserve_label_en-US" xlink:label="lab_san_RetiredCapitalReserve" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retired Capital Reserve</link:label>
    <link:label id="lab_san_RetiredCapitalReserve_documentation_en-US" xlink:label="lab_san_RetiredCapitalReserve" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A component of equity representing reserves for retired capital.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RetiredCapitalReserve" xlink:href="san-20251231.xsd#san_RetiredCapitalReserve"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RetiredCapitalReserve" xlink:to="lab_san_RetiredCapitalReserve" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherIntangibleAssetsMember_019ca0fb-cc70-7d53-b029-43e5a088b05f_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherIntangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_ifrs-full_OtherIntangibleAssetsMember_label_en-US" xlink:label="lab_ifrs-full_OtherIntangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other intangible assets [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherIntangibleAssetsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherIntangibleAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherIntangibleAssetsMember" xlink:to="lab_ifrs-full_OtherIntangibleAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_A2025ProgramSecondMember_019ca0fb-c94e-7534-886d-1d6268b7a32a_terseLabel_en-US" xlink:label="lab_san_A2025ProgramSecondMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2025 Program, Second</link:label>
    <link:label id="lab_san_A2025ProgramSecondMember_label_en-US" xlink:label="lab_san_A2025ProgramSecondMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">2025 Program, Second [Member]</link:label>
    <link:label id="lab_san_A2025ProgramSecondMember_documentation_en-US" xlink:label="lab_san_A2025ProgramSecondMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">2025 Program, Second</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_A2025ProgramSecondMember" xlink:href="san-20251231.xsd#san_A2025ProgramSecondMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_A2025ProgramSecondMember" xlink:to="lab_san_A2025ProgramSecondMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationShortTermAndDeferred_019ca0fb-c94e-78a7-84e7-5b75ebace4c5_totalLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationShortTermAndDeferred" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationShortTermAndDeferred_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationShortTermAndDeferred" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Short-Term And Deferred</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationShortTermAndDeferred_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationShortTermAndDeferred" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of compensation to key management personnel in the form of variable cash and share-based payments. Includes both short-term and other long-term employee benefits. Excludes long-term benefits linked to multi-annual objectives.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationShortTermAndDeferred" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationShortTermAndDeferred"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationShortTermAndDeferred" xlink:to="lab_san_KeyManagementPersonnelCompensationShortTermAndDeferred" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForeignCurrencyExchangeRateChangePercentage_019ca0fb-ca4e-7909-a5e0-45e78df53115_terseLabel_en-US" xlink:label="lab_san_ForeignCurrencyExchangeRateChangePercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in foreign currency exchange rate (as a percent)</link:label>
    <link:label id="lab_san_ForeignCurrencyExchangeRateChangePercentage_label_en-US" xlink:label="lab_san_ForeignCurrencyExchangeRateChangePercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign Currency Exchange Rate, Change Percentage</link:label>
    <link:label id="lab_san_ForeignCurrencyExchangeRateChangePercentage_documentation_en-US" xlink:label="lab_san_ForeignCurrencyExchangeRateChangePercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage change in the foreign currency exchange rate.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForeignCurrencyExchangeRateChangePercentage" xlink:href="san-20251231.xsd#san_ForeignCurrencyExchangeRateChangePercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForeignCurrencyExchangeRateChangePercentage" xlink:to="lab_san_ForeignCurrencyExchangeRateChangePercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersBetweenEquityItems_019ca0fb-cbee-7aaa-866c-f110da19551f_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersBetweenEquityItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers between equity items</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersBetweenEquityItems_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersBetweenEquityItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Transfers Between Equity Items</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersBetweenEquityItems_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersBetweenEquityItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) in equity resulting from transfers between equity items.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughTransfersBetweenEquityItems" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughTransfersBetweenEquityItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughTransfersBetweenEquityItems" xlink:to="lab_san_IncreaseDecreaseThroughTransfersBetweenEquityItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsAbstract_019ca0fb-cb6b-7f87-b653-9ddb7c5f9fe4_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [abstract]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsAbstract_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsAbstract" xlink:to="lab_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CategoriesOfFinancialAssetsAxis_019ca0fb-cbee-7aa4-a9ab-aa92b1d6d561_terseLabel_en-US" xlink:label="lab_ifrs-full_CategoriesOfFinancialAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Categories of financial assets [axis]</link:label>
    <link:label id="lab_ifrs-full_CategoriesOfFinancialAssetsAxis_label_en-US" xlink:label="lab_ifrs-full_CategoriesOfFinancialAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Categories of financial assets [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CategoriesOfFinancialAssetsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CategoriesOfFinancialAssetsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CategoriesOfFinancialAssetsAxis" xlink:to="lab_ifrs-full_CategoriesOfFinancialAssetsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InterestRateOptionMember_019ca0fb-cc70-774e-8972-52125cd498ca_terseLabel_en-US" xlink:label="lab_san_InterestRateOptionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate options</link:label>
    <link:label id="lab_san_InterestRateOptionMember_label_en-US" xlink:label="lab_san_InterestRateOptionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Option [Member]</link:label>
    <link:label id="lab_san_InterestRateOptionMember_documentation_en-US" xlink:label="lab_san_InterestRateOptionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for an interest rate option.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InterestRateOptionMember" xlink:href="san-20251231.xsd#san_InterestRateOptionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InterestRateOptionMember" xlink:to="lab_san_InterestRateOptionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NoncurrentAssetsHeldForSaleMember_019ca0fb-cad3-7cfd-93b0-0d7d606828c9_terseLabel_en-US" xlink:label="lab_ifrs-full_NoncurrentAssetsHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-current assets held for sale</link:label>
    <link:label id="lab_ifrs-full_NoncurrentAssetsHeldForSaleMember_label_en-US" xlink:label="lab_ifrs-full_NoncurrentAssetsHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-current assets held for sale [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NoncurrentAssetsHeldForSaleMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NoncurrentAssetsHeldForSaleMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NoncurrentAssetsHeldForSaleMember" xlink:to="lab_ifrs-full_NoncurrentAssetsHeldForSaleMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits_019ca0fb-cb6b-79a8-9948-9952ca598052_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred variable in cash</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Deferred Cash-Based Short-Term Employee Benefits</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of deferred cash compensation to key management personnel in the form of short-term employee benefits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits" xlink:to="lab_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DefinedBenefitObligationPensionableBaseNumberOfVariableRemunerationAmounts_019ca0fb-ca4e-7f0f-8bfe-798bbcc478ca_terseLabel_en-US" xlink:label="lab_san_DefinedBenefitObligationPensionableBaseNumberOfVariableRemunerationAmounts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pensionable base, number of variable renumeration amounts used in determination</link:label>
    <link:label id="lab_san_DefinedBenefitObligationPensionableBaseNumberOfVariableRemunerationAmounts_label_en-US" xlink:label="lab_san_DefinedBenefitObligationPensionableBaseNumberOfVariableRemunerationAmounts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Obligation, Pensionable Base, Number Of Variable Remuneration Amounts</link:label>
    <link:label id="lab_san_DefinedBenefitObligationPensionableBaseNumberOfVariableRemunerationAmounts_documentation_en-US" xlink:label="lab_san_DefinedBenefitObligationPensionableBaseNumberOfVariableRemunerationAmounts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Obligation, Pensionable Base, Number Of Variable Remuneration Amounts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DefinedBenefitObligationPensionableBaseNumberOfVariableRemunerationAmounts" xlink:href="san-20251231.xsd#san_DefinedBenefitObligationPensionableBaseNumberOfVariableRemunerationAmounts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DefinedBenefitObligationPensionableBaseNumberOfVariableRemunerationAmounts" xlink:to="lab_san_DefinedBenefitObligationPensionableBaseNumberOfVariableRemunerationAmounts" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IFRSStandardPoorsAARatingMember_019ca0fb-cad3-7f38-af5a-aacdb0372ddf_terseLabel_en-US" xlink:label="lab_san_IFRSStandardPoorsAARatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">AA</link:label>
    <link:label id="lab_san_IFRSStandardPoorsAARatingMember_label_en-US" xlink:label="lab_san_IFRSStandardPoorsAARatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS Standard Poors AA Rating [Member]</link:label>
    <link:label id="lab_san_IFRSStandardPoorsAARatingMember_documentation_en-US" xlink:label="lab_san_IFRSStandardPoorsAARatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">AA credit rating as defined by the external credit rating agency, Standard &amp; Poor's.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IFRSStandardPoorsAARatingMember" xlink:href="san-20251231.xsd#san_IFRSStandardPoorsAARatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IFRSStandardPoorsAARatingMember" xlink:to="lab_san_IFRSStandardPoorsAARatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfOtherInformationAboutFinancialAssetsAndLiabilitiesTextBlock_019ca0fb-c94e-749a-bd91-98e546e15a73_terseLabel_en-US" xlink:label="lab_san_DisclosureOfOtherInformationAboutFinancialAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other disclosures</link:label>
    <link:label id="lab_san_DisclosureOfOtherInformationAboutFinancialAssetsAndLiabilitiesTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfOtherInformationAboutFinancialAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Other Information About Financial Assets And Liabilities [Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfOtherInformationAboutFinancialAssetsAndLiabilitiesTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfOtherInformationAboutFinancialAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of other financial assets and liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfOtherInformationAboutFinancialAssetsAndLiabilitiesTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfOtherInformationAboutFinancialAssetsAndLiabilitiesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfOtherInformationAboutFinancialAssetsAndLiabilitiesTextBlock" xlink:to="lab_san_DisclosureOfOtherInformationAboutFinancialAssetsAndLiabilitiesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NumberOfSharesOutstanding_019ca0fb-cb6b-77e6-ae50-47c4f7fbd067_terseLabel_en-US" xlink:label="lab_ifrs-full_NumberOfSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share capital (in shares)</link:label>
    <link:label id="lab_ifrs-full_NumberOfSharesOutstanding_label_en-US" xlink:label="lab_ifrs-full_NumberOfSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number of shares outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NumberOfSharesOutstanding" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NumberOfSharesOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NumberOfSharesOutstanding" xlink:to="lab_ifrs-full_NumberOfSharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceRedemptionOfTreasuryShares_019ca0fb-cad3-7290-a763-06ce7a94f68d_negatedTerseLabel_en-US" xlink:label="lab_san_IssuanceRedemptionOfTreasuryShares" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Issuance/Redemption of equity instruments</link:label>
    <link:label id="lab_san_IssuanceRedemptionOfTreasuryShares_label_en-US" xlink:label="lab_san_IssuanceRedemptionOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance (Redemption) Of Treasury Shares</link:label>
    <link:label id="lab_san_IssuanceRedemptionOfTreasuryShares_documentation_en-US" xlink:label="lab_san_IssuanceRedemptionOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance (Redemption) Of Treasury Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceRedemptionOfTreasuryShares" xlink:href="san-20251231.xsd#san_IssuanceRedemptionOfTreasuryShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceRedemptionOfTreasuryShares" xlink:to="lab_san_IssuanceRedemptionOfTreasuryShares" xlink:type="arc" order="1"/>
    <link:label id="lab_san_UnlistedMember_019ca0fb-cb6b-7206-9c37-a6b37e33d1b2_terseLabel_en-US" xlink:label="lab_san_UnlistedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non publicly listed</link:label>
    <link:label id="lab_san_UnlistedMember_label_en-US" xlink:label="lab_san_UnlistedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unlisted [Member]</link:label>
    <link:label id="lab_san_UnlistedMember_documentation_en-US" xlink:label="lab_san_UnlistedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for equity instruments that are not listed on exchanges.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_UnlistedMember" xlink:href="san-20251231.xsd#san_UnlistedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_UnlistedMember" xlink:to="lab_san_UnlistedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfFeeAndCommissionIncomeTableTextBlock_019ca0fb-cb6b-7afb-a2ed-757fc320cb1e_terseLabel_en-US" xlink:label="lab_san_DisclosureOfFeeAndCommissionIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of details of fee and commission income</link:label>
    <link:label id="lab_san_DisclosureOfFeeAndCommissionIncomeTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfFeeAndCommissionIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Fee And Commission Income [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfFeeAndCommissionIncomeTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfFeeAndCommissionIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The tabular disclosure of fee and commission income.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfFeeAndCommissionIncomeTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfFeeAndCommissionIncomeTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfFeeAndCommissionIncomeTableTextBlock" xlink:to="lab_san_DisclosureOfFeeAndCommissionIncomeTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfDividendsTableTextBlock_019ca0fb-cad3-7312-adbb-92a7af52805a_terseLabel_en-US" xlink:label="lab_san_DisclosureOfDividendsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of details of income from dividends</link:label>
    <link:label id="lab_san_DisclosureOfDividendsTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfDividendsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Dividends [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfDividendsTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfDividendsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The tabular disclosure of dividends. Dividends are distributions of profits to holders of equity investments in proportion to their holdings of a particular class of capital.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfDividendsTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfDividendsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfDividendsTableTextBlock" xlink:to="lab_san_DisclosureOfDividendsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProductsAndServicesAxis_019ca0fb-ca4e-7aa4-816a-66f552144133_terseLabel_en-US" xlink:label="lab_ifrs-full_ProductsAndServicesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Products and services [axis]</link:label>
    <link:label id="lab_ifrs-full_ProductsAndServicesAxis_label_en-US" xlink:label="lab_ifrs-full_ProductsAndServicesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Products and services [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProductsAndServicesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProductsAndServicesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProductsAndServicesAxis" xlink:to="lab_ifrs-full_ProductsAndServicesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PaymentsToAcquireEntityShares_019ca0fb-c94e-7ba5-9006-d9c4894a00cf_terseLabel_en-US" xlink:label="lab_san_PaymentsToAcquireEntityShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Acquisition of own equity instruments</link:label>
    <link:label id="lab_san_PaymentsToAcquireEntityShares_019ca0fb-c94e-7b10-932c-b6a06add57e9_negatedLabel_en-US" xlink:label="lab_san_PaymentsToAcquireEntityShares" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Acquisition of own equity instruments</link:label>
    <link:label id="lab_san_PaymentsToAcquireEntityShares_label_en-US" xlink:label="lab_san_PaymentsToAcquireEntityShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments To Acquire Entity Shares</link:label>
    <link:label id="lab_san_PaymentsToAcquireEntityShares_documentation_en-US" xlink:label="lab_san_PaymentsToAcquireEntityShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The cash outflow to acquire entity's shares.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PaymentsToAcquireEntityShares" xlink:href="san-20251231.xsd#san_PaymentsToAcquireEntityShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PaymentsToAcquireEntityShares" xlink:to="lab_san_PaymentsToAcquireEntityShares" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialLiabilities_019ca0fb-c94e-7702-aa3c-5f35da4dce8e_totalLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total financial liabilities</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilities_019ca0fb-c94e-7421-8966-8ac6e230334e_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilities_019ca0fb-c94e-7392-940a-773f2b7dcd27_periodStartLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilities" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance at beginning of year</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilities_019ca0fb-c94e-7f23-b9d2-23438691eea7_periodEndLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilities" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance at&#160;year-end</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilities_label_en-US" xlink:label="lab_ifrs-full_FinancialLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialLiabilities" xlink:to="lab_ifrs-full_FinancialLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NetPensionAssets_019ca0fb-ca4e-7ea8-b3a7-55bd62f7e5ba_negatedTerseLabel_en-US" xlink:label="lab_san_NetPensionAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Net pension assets</link:label>
    <link:label id="lab_san_NetPensionAssets_label_en-US" xlink:label="lab_san_NetPensionAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Pension Assets</link:label>
    <link:label id="lab_san_NetPensionAssets_documentation_en-US" xlink:label="lab_san_NetPensionAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net Pension Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NetPensionAssets" xlink:href="san-20251231.xsd#san_NetPensionAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NetPensionAssets" xlink:to="lab_san_NetPensionAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges_019ca0fb-cbee-7553-9fed-8a49586e1e3e_terseLabel_en-US" xlink:label="lab_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net charges recorded against valuation allowances</link:label>
    <link:label id="lab_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges_label_en-US" xlink:label="lab_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noncurrent Assets Held For Sale, Tangible Assets, Valuation Allowance Charges</link:label>
    <link:label id="lab_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges_documentation_en-US" xlink:label="lab_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Charges for the period against the valuation allowance for non-current assets held for sale.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges" xlink:href="san-20251231.xsd#san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges" xlink:to="lab_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges" xlink:type="arc" order="1"/>
    <link:label id="lab_san_HedgingDerivativesMember_019ca0fb-cad3-7d2b-b63e-f8d9a4a94449_terseLabel_en-US" xlink:label="lab_san_HedgingDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging derivatives</link:label>
    <link:label id="lab_san_HedgingDerivativesMember_label_en-US" xlink:label="lab_san_HedgingDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging Derivatives [Member]</link:label>
    <link:label id="lab_san_HedgingDerivativesMember_documentation_en-US" xlink:label="lab_san_HedgingDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Hedging Derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_HedgingDerivativesMember" xlink:href="san-20251231.xsd#san_HedgingDerivativesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_HedgingDerivativesMember" xlink:to="lab_san_HedgingDerivativesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncomeTaxExpenseContinuingOperations_019ca0fb-cad3-725c-8a24-ad9b9664e682_negatedLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Tax expense or income from continuing operations</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxExpenseContinuingOperations_019ca0fb-cad3-77e5-bb4a-725cc2007d62_terseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Continuing operations</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxExpenseContinuingOperations_019ca0fb-cad3-791a-86a7-3e72a8277a77_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Tax on profit</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxExpenseContinuingOperations_019ca0fb-cad3-720a-a702-69ba24093081_verboseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Tax expense (income)</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxExpenseContinuingOperations_label_en-US" xlink:label="lab_ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax expense (income)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncomeTaxExpenseContinuingOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:to="lab_ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading_019ca0fb-c94e-7572-a984-70d12cf7a6d7_terseLabel_en-US" xlink:label="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gain or losses on financial assets and liabilities held for trading, net</link:label>
    <link:label id="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading_label_en-US" xlink:label="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains Losses On Financial Assets And Liabilities Held For Trading</link:label>
    <link:label id="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading_documentation_en-US" xlink:label="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of gains or losses on financial assets and liabilities held for trading.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading" xlink:href="san-20251231.xsd#san_GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading" xlink:to="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonDeductibleProvisionsMember_019ca0fb-cb6b-7fa3-be70-21f1c24b5a64_terseLabel_en-US" xlink:label="lab_san_NonDeductibleProvisionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-deductible provisions</link:label>
    <link:label id="lab_san_NonDeductibleProvisionsMember_label_en-US" xlink:label="lab_san_NonDeductibleProvisionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Deductible Provisions [Member]</link:label>
    <link:label id="lab_san_NonDeductibleProvisionsMember_documentation_en-US" xlink:label="lab_san_NonDeductibleProvisionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for non-deductible provisions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonDeductibleProvisionsMember" xlink:href="san-20251231.xsd#san_NonDeductibleProvisionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonDeductibleProvisionsMember" xlink:to="lab_san_NonDeductibleProvisionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsLineItems_019ca0fb-c94e-7c6b-92e8-987c23caed60_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of maturity analysis of operating lease payments [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of maturity analysis of operating lease payments [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsLineItems" xlink:to="lab_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TwelvemonthExpectedCreditLossesMember_019ca0fb-c9cd-7181-9fe1-86cc225e75e1_terseLabel_en-US" xlink:label="lab_ifrs-full_TwelvemonthExpectedCreditLossesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stage 1</link:label>
    <link:label id="lab_ifrs-full_TwelvemonthExpectedCreditLossesMember_label_en-US" xlink:label="lab_ifrs-full_TwelvemonthExpectedCreditLossesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">12-month expected credit losses [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TwelvemonthExpectedCreditLossesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TwelvemonthExpectedCreditLossesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TwelvemonthExpectedCreditLossesMember" xlink:to="lab_ifrs-full_TwelvemonthExpectedCreditLossesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DebtToIncomeRatio_019ca0fb-c9cd-79eb-bd7a-3bd565128748_terseLabel_en-US" xlink:label="lab_san_DebtToIncomeRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt-to-income ratio</link:label>
    <link:label id="lab_san_DebtToIncomeRatio_label_en-US" xlink:label="lab_san_DebtToIncomeRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt To Income Ratio</link:label>
    <link:label id="lab_san_DebtToIncomeRatio_documentation_en-US" xlink:label="lab_san_DebtToIncomeRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Measurement of ability to repay debt expressed as a percentage calculated by dividing total recurring month debt by gross monthly income.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DebtToIncomeRatio" xlink:href="san-20251231.xsd#san_DebtToIncomeRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DebtToIncomeRatio" xlink:to="lab_san_DebtToIncomeRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TreasurySharesNumberOfSharesTransferred_019ca0fb-cc70-7112-9b71-39581f72f09c_terseLabel_en-US" xlink:label="lab_san_TreasurySharesNumberOfSharesTransferred" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Treasury shares, number of shares transferred (in shares)</link:label>
    <link:label id="lab_san_TreasurySharesNumberOfSharesTransferred_label_en-US" xlink:label="lab_san_TreasurySharesNumberOfSharesTransferred" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Shares, Number Of Shares Transferred</link:label>
    <link:label id="lab_san_TreasurySharesNumberOfSharesTransferred_documentation_en-US" xlink:label="lab_san_TreasurySharesNumberOfSharesTransferred" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Treasury Shares, Number Of Shares Transferred</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TreasurySharesNumberOfSharesTransferred" xlink:href="san-20251231.xsd#san_TreasurySharesNumberOfSharesTransferred"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TreasurySharesNumberOfSharesTransferred" xlink:to="lab_san_TreasurySharesNumberOfSharesTransferred" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory_019ca0fb-cbee-7543-9f4e-0144b52f46d7_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of other provisions by geographical area and by type of provision</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of other provisions, contingent liabilities and contingent assets [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CitibankMember_019ca0fb-c94e-7079-9d01-f42baa6fabb6_terseLabel_en-US" xlink:label="lab_san_CitibankMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Citibank</link:label>
    <link:label id="lab_san_CitibankMember_label_en-US" xlink:label="lab_san_CitibankMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Citibank [Member]</link:label>
    <link:label id="lab_san_CitibankMember_documentation_en-US" xlink:label="lab_san_CitibankMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Citibank</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CitibankMember" xlink:href="san-20251231.xsd#san_CitibankMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CitibankMember" xlink:to="lab_san_CitibankMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashAndBankBalancesAtCentralBanks_019ca0fb-cbee-7979-afb2-c8ed3c027966_terseLabel_en-US" xlink:label="lab_ifrs-full_CashAndBankBalancesAtCentralBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash equivalents at central banks</link:label>
    <link:label id="lab_ifrs-full_CashAndBankBalancesAtCentralBanks_label_en-US" xlink:label="lab_ifrs-full_CashAndBankBalancesAtCentralBanks" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and bank balances at central banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashAndBankBalancesAtCentralBanks" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CashAndBankBalancesAtCentralBanks"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashAndBankBalancesAtCentralBanks" xlink:to="lab_ifrs-full_CashAndBankBalancesAtCentralBanks" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdministrativeExpense_019ca0fb-c94e-7880-8de6-00eceb189a90_negatedTotalLabel_en-US" xlink:label="lab_ifrs-full_AdministrativeExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Administrative expenses</link:label>
    <link:label id="lab_ifrs-full_AdministrativeExpense_label_en-US" xlink:label="lab_ifrs-full_AdministrativeExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Administrative expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdministrativeExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AdministrativeExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdministrativeExpense" xlink:to="lab_ifrs-full_AdministrativeExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedLiabilitiesIncreaseDecreaseDueToExchangeDifferencesAndOtherMovements_019ca0fb-cc70-782b-98e2-80a5c8d2728f_terseLabel_en-US" xlink:label="lab_san_SubordinatedLiabilitiesIncreaseDecreaseDueToExchangeDifferencesAndOtherMovements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchange differences and other movements</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesIncreaseDecreaseDueToExchangeDifferencesAndOtherMovements_label_en-US" xlink:label="lab_san_SubordinatedLiabilitiesIncreaseDecreaseDueToExchangeDifferencesAndOtherMovements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Liabilities, Increase (Decrease) Due To Exchange Differences And Other Movements</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesIncreaseDecreaseDueToExchangeDifferencesAndOtherMovements_documentation_en-US" xlink:label="lab_san_SubordinatedLiabilitiesIncreaseDecreaseDueToExchangeDifferencesAndOtherMovements" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) in subordinated liabilities due to exchange differences and other movements.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedLiabilitiesIncreaseDecreaseDueToExchangeDifferencesAndOtherMovements" xlink:href="san-20251231.xsd#san_SubordinatedLiabilitiesIncreaseDecreaseDueToExchangeDifferencesAndOtherMovements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedLiabilitiesIncreaseDecreaseDueToExchangeDifferencesAndOtherMovements" xlink:to="lab_san_SubordinatedLiabilitiesIncreaseDecreaseDueToExchangeDifferencesAndOtherMovements" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfClassesOfShareCapitalLineItems_019ca0fb-cbee-786f-b6e8-58416417c279_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfClassesOfShareCapitalLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of classes of share capital [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfClassesOfShareCapitalLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfClassesOfShareCapitalLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of classes of share capital [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfClassesOfShareCapitalLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfClassesOfShareCapitalLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfClassesOfShareCapitalLineItems" xlink:to="lab_ifrs-full_DisclosureOfClassesOfShareCapitalLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MaturityAxis_019ca0fb-cb6b-72a4-9af2-c3a8e96bc227_terseLabel_en-US" xlink:label="lab_ifrs-full_MaturityAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maturity [axis]</link:label>
    <link:label id="lab_ifrs-full_MaturityAxis_label_en-US" xlink:label="lab_ifrs-full_MaturityAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maturity [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MaturityAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MaturityAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MaturityAxis" xlink:to="lab_ifrs-full_MaturityAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss_019ca0fb-c94e-7b65-b395-e4b51bfa98ca_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Income tax relating to items that may be reclassified to profit or loss</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss_019ca0fb-c94e-7f5d-a024-ce29fee4b4c9_negatedLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Income tax</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss_label_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income tax relating to components of other comprehensive income that will be reclassified to profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" xlink:to="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember_019ca0fb-ca4e-709e-96c3-20747bf62b70_terseLabel_en-US" xlink:label="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-current assets or disposal groups classified as held for sale</link:label>
    <link:label id="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember_label_en-US" xlink:label="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-current assets or disposal groups classified as held for sale [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember" xlink:to="lab_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember" xlink:type="arc" order="1"/>
    <link:label id="lab_country_GB_019ca0fb-cad3-73e1-8b34-e20d408ecccc_terseLabel_en-US" xlink:label="lab_country_GB" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">United Kingdom</link:label>
    <link:label id="lab_country_GB_019ca0fb-cad3-7d08-bab2-09579ac3ad2c_verboseLabel_en-US" xlink:label="lab_country_GB" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">United Kingdom</link:label>
    <link:label id="lab_country_GB_label_en-US" xlink:label="lab_country_GB" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">UNITED KINGDOM</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_GB" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_GB"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_GB" xlink:to="lab_country_GB" xlink:type="arc" order="1"/>
    <link:label id="lab_country_GG_019ca0fb-cad3-7db4-8188-bddaa6896d57_terseLabel_en-US" xlink:label="lab_country_GG" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Guernsey</link:label>
    <link:label id="lab_country_GG_label_en-US" xlink:label="lab_country_GG" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">GUERNSEY</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_GG" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_GG"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_GG" xlink:to="lab_country_GG" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AdditionsSubordinatedLiabilities_019ca0fb-cbee-7a3c-882e-4a1207422537_terseLabel_en-US" xlink:label="lab_san_AdditionsSubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuances</link:label>
    <link:label id="lab_san_AdditionsSubordinatedLiabilities_label_en-US" xlink:label="lab_san_AdditionsSubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additions, Subordinated Liabilities</link:label>
    <link:label id="lab_san_AdditionsSubordinatedLiabilities_documentation_en-US" xlink:label="lab_san_AdditionsSubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">New liabilities assumed during the reporting period that are subordinated to claims of general creditors.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AdditionsSubordinatedLiabilities" xlink:href="san-20251231.xsd#san_AdditionsSubordinatedLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AdditionsSubordinatedLiabilities" xlink:to="lab_san_AdditionsSubordinatedLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NetAssetsForPensions_019ca0fb-ca4e-7be6-9850-a9ef692c8b76_negatedLabel_en-US" xlink:label="lab_san_NetAssetsForPensions" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Net assets for pensions</link:label>
    <link:label id="lab_san_NetAssetsForPensions_label_en-US" xlink:label="lab_san_NetAssetsForPensions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Assets For Pensions</link:label>
    <link:label id="lab_san_NetAssetsForPensions_documentation_en-US" xlink:label="lab_san_NetAssetsForPensions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net assets for pensions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NetAssetsForPensions" xlink:href="san-20251231.xsd#san_NetAssetsForPensions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NetAssetsForPensions" xlink:to="lab_san_NetAssetsForPensions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_Goodwill_019ca0fb-cad3-7224-8fd7-aa55ff86b0e7_terseLabel_en-US" xlink:label="lab_ifrs-full_Goodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Goodwill</link:label>
    <link:label id="lab_ifrs-full_Goodwill_019ca0fb-cad3-7971-b589-ad617a9b300f_periodStartLabel_en-US" xlink:label="lab_ifrs-full_Goodwill" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Goodwill at beginning of period</link:label>
    <link:label id="lab_ifrs-full_Goodwill_019ca0fb-cad3-7f6c-bcf4-9389bd5f1d88_periodEndLabel_en-US" xlink:label="lab_ifrs-full_Goodwill" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Goodwill at end of period</link:label>
    <link:label id="lab_ifrs-full_Goodwill_label_en-US" xlink:label="lab_ifrs-full_Goodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_Goodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_Goodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_Goodwill" xlink:to="lab_ifrs-full_Goodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherFinancialLiabilitiesMember_019ca0fb-cc70-7edb-95ca-9354a59c3662_terseLabel_en-US" xlink:label="lab_san_OtherFinancialLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other financial liabilities</link:label>
    <link:label id="lab_san_OtherFinancialLiabilitiesMember_019ca0fb-cc70-7782-9d97-5631583428f7_verboseLabel_en-US" xlink:label="lab_san_OtherFinancialLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Others</link:label>
    <link:label id="lab_san_OtherFinancialLiabilitiesMember_label_en-US" xlink:label="lab_san_OtherFinancialLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Financial Liabilities [Member]</link:label>
    <link:label id="lab_san_OtherFinancialLiabilitiesMember_documentation_en-US" xlink:label="lab_san_OtherFinancialLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents the amount of payment obligations having the nature of financial liabilities not included in other items, and liabilities under financial guarantee contracts, unless they have been classified as non-performing.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherFinancialLiabilitiesMember" xlink:href="san-20251231.xsd#san_OtherFinancialLiabilitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherFinancialLiabilitiesMember" xlink:to="lab_san_OtherFinancialLiabilitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ConsiderationPaidReceivedInCashPerShare_019ca0fb-cb6b-7c47-a0c5-c0722db514e8_verboseLabel_en-US" xlink:label="lab_san_ConsiderationPaidReceivedInCashPerShare" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Consideration (in USD per share)</link:label>
    <link:label id="lab_san_ConsiderationPaidReceivedInCashPerShare_019ca0fb-cb6b-7101-9708-8efc09749bec_terseLabel_en-US" xlink:label="lab_san_ConsiderationPaidReceivedInCashPerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consideration (in MXN/EUR per share)</link:label>
    <link:label id="lab_san_ConsiderationPaidReceivedInCashPerShare_label_en-US" xlink:label="lab_san_ConsiderationPaidReceivedInCashPerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consideration Paid (Received), In Cash Per Share</link:label>
    <link:label id="lab_san_ConsiderationPaidReceivedInCashPerShare_documentation_en-US" xlink:label="lab_san_ConsiderationPaidReceivedInCashPerShare" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Consideration Paid (Received), In Cash Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ConsiderationPaidReceivedInCashPerShare" xlink:href="san-20251231.xsd#san_ConsiderationPaidReceivedInCashPerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ConsiderationPaidReceivedInCashPerShare" xlink:to="lab_san_ConsiderationPaidReceivedInCashPerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SignificantInvestmentsInAssociatesAxis_019ca0fb-ca4d-7ddf-80dd-f0d7b8116893_terseLabel_en-US" xlink:label="lab_ifrs-full_SignificantInvestmentsInAssociatesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Associates [axis]</link:label>
    <link:label id="lab_ifrs-full_SignificantInvestmentsInAssociatesAxis_label_en-US" xlink:label="lab_ifrs-full_SignificantInvestmentsInAssociatesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Associates [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SignificantInvestmentsInAssociatesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SignificantInvestmentsInAssociatesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SignificantInvestmentsInAssociatesAxis" xlink:to="lab_ifrs-full_SignificantInvestmentsInAssociatesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost_019ca0fb-c94e-7a08-bcd1-2c164db1552f_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at amortized cost</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost_label_en-US" xlink:label="lab_ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (losses) on financial assets at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost" xlink:to="lab_ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfEquivalentEuroValueOfAssetsAndLiabilitiesTableTextBlock_019ca0fb-cc70-78d0-9b64-1dbc4ec608e1_terseLabel_en-US" xlink:label="lab_san_DisclosureOfEquivalentEuroValueOfAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of equivalent euro value of assets and liabilities</link:label>
    <link:label id="lab_san_DisclosureOfEquivalentEuroValueOfAssetsAndLiabilitiesTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfEquivalentEuroValueOfAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Equivalent Euro Value Of Assets And Liabilities [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfEquivalentEuroValueOfAssetsAndLiabilitiesTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfEquivalentEuroValueOfAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of equivalent euro value of assets and liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfEquivalentEuroValueOfAssetsAndLiabilitiesTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfEquivalentEuroValueOfAssetsAndLiabilitiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfEquivalentEuroValueOfAssetsAndLiabilitiesTableTextBlock" xlink:to="lab_san_DisclosureOfEquivalentEuroValueOfAssetsAndLiabilitiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfIFRSStatementLineItems_019ca0fb-cad3-79bf-a158-56e8bc4ab085_terseLabel_en-US" xlink:label="lab_san_DisclosureOfIFRSStatementLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">IFRS Statement [Line Items]</link:label>
    <link:label id="lab_san_DisclosureOfIFRSStatementLineItems_label_en-US" xlink:label="lab_san_DisclosureOfIFRSStatementLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of IFRS Statement [Line Items]</link:label>
    <link:label id="lab_san_DisclosureOfIFRSStatementLineItems_documentation_en-US" xlink:label="lab_san_DisclosureOfIFRSStatementLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfIFRSStatementLineItems" xlink:href="san-20251231.xsd#san_DisclosureOfIFRSStatementLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfIFRSStatementLineItems" xlink:to="lab_san_DisclosureOfIFRSStatementLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentType_019ca0fb-c9cd-7ea0-a2ab-71bcdf90387d_terseLabel_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Type</link:label>
    <link:label id="lab_dei_DocumentType_label_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Type</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentType"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentType" xlink:to="lab_dei_DocumentType" xlink:type="arc" order="1"/>
    <link:label id="lab_country_GR_019ca0fb-c94e-7ada-96e8-994a4ad8fed1_terseLabel_en-US" xlink:label="lab_country_GR" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Greece</link:label>
    <link:label id="lab_country_GR_label_en-US" xlink:label="lab_country_GR" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">GREECE</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_GR" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_GR"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_GR" xlink:to="lab_country_GR" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets_019ca0fb-c9cd-7456-91be-f873db55aba6_negatedLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">To stage 2 from stage 1</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets_019ca0fb-c9cd-7538-8e67-4febb05592fb_negatedTerseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">To stage 2 from stage 1</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Transfers From Stage 1 To Stage 2 Financial Assets</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) in financial assets resulting from transfers from credit risk stage 1 to stage 2.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" xlink:to="lab_san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IFRSAssetsFairValueDisclosure_019ca0fb-c94e-72c0-9d37-b6bbd827f392_terseLabel_en-US" xlink:label="lab_san_IFRSAssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value of assets</link:label>
    <link:label id="lab_san_IFRSAssetsFairValueDisclosure_label_en-US" xlink:label="lab_san_IFRSAssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS Assets Fair Value Disclosure</link:label>
    <link:label id="lab_san_IFRSAssetsFairValueDisclosure_documentation_en-US" xlink:label="lab_san_IFRSAssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of fair value of asset.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IFRSAssetsFairValueDisclosure" xlink:href="san-20251231.xsd#san_IFRSAssetsFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IFRSAssetsFairValueDisclosure" xlink:to="lab_san_IFRSAssetsFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_country_ES_019ca0fb-c94e-7a6a-9ec0-1ce281289d6e_terseLabel_en-US" xlink:label="lab_country_ES" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Spain</link:label>
    <link:label id="lab_country_ES_label_en-US" xlink:label="lab_country_ES" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SPAIN</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_ES" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_ES"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_ES" xlink:to="lab_country_ES" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FeeAndCommissionExpense_019ca0fb-cbee-7f55-b9da-4195c01441af_negatedLabel_en-US" xlink:label="lab_ifrs-full_FeeAndCommissionExpense" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Commission expense</link:label>
    <link:label id="lab_ifrs-full_FeeAndCommissionExpense_019ca0fb-cbee-735e-a356-91be96e72242_totalLabel_en-US" xlink:label="lab_ifrs-full_FeeAndCommissionExpense" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total commission expense</link:label>
    <link:label id="lab_ifrs-full_FeeAndCommissionExpense_label_en-US" xlink:label="lab_ifrs-full_FeeAndCommissionExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fee and commission expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FeeAndCommissionExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FeeAndCommissionExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FeeAndCommissionExpense" xlink:to="lab_ifrs-full_FeeAndCommissionExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ICOLoansPercentageOfTotalPortfolio_019ca0fb-cb6b-7d7e-816e-0241be52f9b5_terseLabel_en-US" xlink:label="lab_san_ICOLoansPercentageOfTotalPortfolio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ICO loans, percentage of total portfolio</link:label>
    <link:label id="lab_san_ICOLoansPercentageOfTotalPortfolio_label_en-US" xlink:label="lab_san_ICOLoansPercentageOfTotalPortfolio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ICO Loans, Percentage Of Total Portfolio</link:label>
    <link:label id="lab_san_ICOLoansPercentageOfTotalPortfolio_documentation_en-US" xlink:label="lab_san_ICOLoansPercentageOfTotalPortfolio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">ICO Loans, Percentage Of Total Portfolio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ICOLoansPercentageOfTotalPortfolio" xlink:href="san-20251231.xsd#san_ICOLoansPercentageOfTotalPortfolio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ICOLoansPercentageOfTotalPortfolio" xlink:to="lab_san_ICOLoansPercentageOfTotalPortfolio" xlink:type="arc" order="1"/>
    <link:label id="lab_san_UnrestrictedReserves_019ca0fb-ca4e-7e7f-acca-cc2b00998d93_totalLabel_en-US" xlink:label="lab_san_UnrestrictedReserves" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Unrestricted reserves</link:label>
    <link:label id="lab_san_UnrestrictedReserves_label_en-US" xlink:label="lab_san_UnrestrictedReserves" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrestricted Reserves</link:label>
    <link:label id="lab_san_UnrestrictedReserves_documentation_en-US" xlink:label="lab_san_UnrestrictedReserves" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A component of equity representing reserves unrestricted as to usage.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_UnrestrictedReserves" xlink:href="san-20251231.xsd#san_UnrestrictedReserves"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_UnrestrictedReserves" xlink:to="lab_san_UnrestrictedReserves" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonPerformingRatio_019ca0fb-cbee-7511-b930-3740037aec35_terseLabel_en-US" xlink:label="lab_san_NonPerformingRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-performing rate</link:label>
    <link:label id="lab_san_NonPerformingRatio_019ca0fb-cbee-7e98-8803-72570634fce3_verboseLabel_en-US" xlink:label="lab_san_NonPerformingRatio" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">NPL ratio</link:label>
    <link:label id="lab_san_NonPerformingRatio_label_en-US" xlink:label="lab_san_NonPerformingRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Performing Ratio</link:label>
    <link:label id="lab_san_NonPerformingRatio_documentation_en-US" xlink:label="lab_san_NonPerformingRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage of instruments classified as non-performing, calculated as the amount of non-performing loans and advances to customers and non-performing contingent liabilities (without country risk) divided by the amount of total loans and advances to customers and contingent liabilities (without country risk).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonPerformingRatio" xlink:href="san-20251231.xsd#san_NonPerformingRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonPerformingRatio" xlink:to="lab_san_NonPerformingRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DiscountedCashFlowsOnInflationSwapRateMember_019ca0fb-c9cd-7787-9179-a6bf5a1bc524_terseLabel_en-US" xlink:label="lab_san_DiscountedCashFlowsOnInflationSwapRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discounted cash flows on inflation swap rate</link:label>
    <link:label id="lab_san_DiscountedCashFlowsOnInflationSwapRateMember_label_en-US" xlink:label="lab_san_DiscountedCashFlowsOnInflationSwapRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Discounted Cash Flows On Inflation Swap Rate [Member]</link:label>
    <link:label id="lab_san_DiscountedCashFlowsOnInflationSwapRateMember_documentation_en-US" xlink:label="lab_san_DiscountedCashFlowsOnInflationSwapRateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Discounted Cash Flows On Inflation Swap Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DiscountedCashFlowsOnInflationSwapRateMember" xlink:href="san-20251231.xsd#san_DiscountedCashFlowsOnInflationSwapRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DiscountedCashFlowsOnInflationSwapRateMember" xlink:to="lab_san_DiscountedCashFlowsOnInflationSwapRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill_019ca0fb-cb6b-7153-bbe0-2c2dd89a147f_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchange differences and&#160;other</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) through net exchange differences, intangible assets other than goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncomeStatementAbstract_019ca0fb-cb6b-7d91-92e7-a5039f76d100_terseLabel_en-US" xlink:label="lab_ifrs-full_IncomeStatementAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">(Condensed) income statement</link:label>
    <link:label id="lab_ifrs-full_IncomeStatementAbstract_019ca0fb-cb6b-7b4c-b60f-1e5ca4b73f83_verboseLabel_en-US" xlink:label="lab_ifrs-full_IncomeStatementAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Underlying income statement (condensed)</link:label>
    <link:label id="lab_ifrs-full_IncomeStatementAbstract_019ca0fb-cb6b-7a03-a0ec-f3b8c86e5ec9_netLabel_en-US" xlink:label="lab_ifrs-full_IncomeStatementAbstract" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Reconciliation of statutory results to underlying results</link:label>
    <link:label id="lab_ifrs-full_IncomeStatementAbstract_label_en-US" xlink:label="lab_ifrs-full_IncomeStatementAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit or loss [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncomeStatementAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncomeStatementAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncomeStatementAbstract" xlink:to="lab_ifrs-full_IncomeStatementAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughTransfersFinancialAssets_019ca0fb-ca4e-7f87-a3d9-7a87c82cbdcb_negatedLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughTransfersFinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Net variation</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughTransfersFinancialAssets_019ca0fb-ca4e-7772-8db8-cb4807626a67_verboseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughTransfersFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Gross additions</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughTransfersFinancialAssets_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughTransfersFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) through transfers, financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughTransfersFinancialAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseDecreaseThroughTransfersFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughTransfersFinancialAssets" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughTransfersFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DigitalTransformationAward2020Member_019ca0fb-cad3-70da-8cba-16aa31971299_terseLabel_en-US" xlink:label="lab_san_DigitalTransformationAward2020Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2020</link:label>
    <link:label id="lab_san_DigitalTransformationAward2020Member_label_en-US" xlink:label="lab_san_DigitalTransformationAward2020Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2020 [Member]</link:label>
    <link:label id="lab_san_DigitalTransformationAward2020Member_documentation_en-US" xlink:label="lab_san_DigitalTransformationAward2020Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2020</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DigitalTransformationAward2020Member" xlink:href="san-20251231.xsd#san_DigitalTransformationAward2020Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DigitalTransformationAward2020Member" xlink:to="lab_san_DigitalTransformationAward2020Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForeignExchangeGainLossNetAssets_019ca0fb-cb6b-7e58-90eb-a416bf561b5c_terseLabel_en-US" xlink:label="lab_san_ForeignExchangeGainLossNetAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">From net assets</link:label>
    <link:label id="lab_san_ForeignExchangeGainLossNetAssets_label_en-US" xlink:label="lab_san_ForeignExchangeGainLossNetAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign Exchange Gain (Loss), Net Assets</link:label>
    <link:label id="lab_san_ForeignExchangeGainLossNetAssets_documentation_en-US" xlink:label="lab_san_ForeignExchangeGainLossNetAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Foreign Exchange Gain (Loss), Net Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForeignExchangeGainLossNetAssets" xlink:href="san-20251231.xsd#san_ForeignExchangeGainLossNetAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForeignExchangeGainLossNetAssets" xlink:to="lab_san_ForeignExchangeGainLossNetAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForeignExchangeGainLossResults_019ca0fb-c94e-7f8c-b9a4-5b73478114a7_terseLabel_en-US" xlink:label="lab_san_ForeignExchangeGainLossResults" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">From results</link:label>
    <link:label id="lab_san_ForeignExchangeGainLossResults_label_en-US" xlink:label="lab_san_ForeignExchangeGainLossResults" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign Exchange Gain (Loss), Results</link:label>
    <link:label id="lab_san_ForeignExchangeGainLossResults_documentation_en-US" xlink:label="lab_san_ForeignExchangeGainLossResults" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Foreign Exchange Gain (Loss), Results</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForeignExchangeGainLossResults" xlink:href="san-20251231.xsd#san_ForeignExchangeGainLossResults"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForeignExchangeGainLossResults" xlink:to="lab_san_ForeignExchangeGainLossResults" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialLiabilitiesAbstract_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of financial liabilities [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFinancialLiabilitiesAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfFinancialLiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFinancialLiabilitiesAbstract" xlink:to="lab_ifrs-full_DisclosureOfFinancialLiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DesignatedAndNotDesignatedItemsDomain_019ca0fb-c94e-72c6-b82a-508f030e6eec_terseLabel_en-US" xlink:label="lab_san_DesignatedAndNotDesignatedItemsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Designated And Not Designated Items [Domain]</link:label>
    <link:label id="lab_san_DesignatedAndNotDesignatedItemsDomain_label_en-US" xlink:label="lab_san_DesignatedAndNotDesignatedItemsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Designated And Not Designated Items [Domain]</link:label>
    <link:label id="lab_san_DesignatedAndNotDesignatedItemsDomain_documentation_en-US" xlink:label="lab_san_DesignatedAndNotDesignatedItemsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Designated And Not Designated Items [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DesignatedAndNotDesignatedItemsDomain" xlink:href="san-20251231.xsd#san_DesignatedAndNotDesignatedItemsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DesignatedAndNotDesignatedItemsDomain" xlink:to="lab_san_DesignatedAndNotDesignatedItemsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TradeAndOtherPayablesToTradeSuppliers_019ca0fb-ca4e-711c-be14-af009e544e91_terseLabel_en-US" xlink:label="lab_ifrs-full_TradeAndOtherPayablesToTradeSuppliers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trade payables</link:label>
    <link:label id="lab_ifrs-full_TradeAndOtherPayablesToTradeSuppliers_label_en-US" xlink:label="lab_ifrs-full_TradeAndOtherPayablesToTradeSuppliers" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trade payables</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TradeAndOtherPayablesToTradeSuppliers" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TradeAndOtherPayablesToTradeSuppliers"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TradeAndOtherPayablesToTradeSuppliers" xlink:to="lab_ifrs-full_TradeAndOtherPayablesToTradeSuppliers" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ExpectedCreditLossesCollectivelyAssessedMember_019ca0fb-ca4e-7922-8077-5bc77b9275a2_terseLabel_en-US" xlink:label="lab_ifrs-full_ExpectedCreditLossesCollectivelyAssessedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collective calculated</link:label>
    <link:label id="lab_ifrs-full_ExpectedCreditLossesCollectivelyAssessedMember_label_en-US" xlink:label="lab_ifrs-full_ExpectedCreditLossesCollectivelyAssessedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Expected credit losses collectively assessed [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ExpectedCreditLossesCollectivelyAssessedMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ExpectedCreditLossesCollectivelyAssessedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ExpectedCreditLossesCollectivelyAssessedMember" xlink:to="lab_ifrs-full_ExpectedCreditLossesCollectivelyAssessedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationBuyoutsAndSignOnAwards_019ca0fb-c94e-7f68-b64b-cebbd8de5574_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationBuyoutsAndSignOnAwards" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Key management personnel compensation, buyouts and sign-on awards</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationBuyoutsAndSignOnAwards_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationBuyoutsAndSignOnAwards" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Buyouts And Sign-On Awards</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationBuyoutsAndSignOnAwards_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationBuyoutsAndSignOnAwards" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Buyouts And Sign-On Awards</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationBuyoutsAndSignOnAwards" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationBuyoutsAndSignOnAwards"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationBuyoutsAndSignOnAwards" xlink:to="lab_san_KeyManagementPersonnelCompensationBuyoutsAndSignOnAwards" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions_019ca0fb-ca4e-7658-b842-889e9dee5b68_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Incorporation of Group companies, net</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions_019ca0fb-ca4e-74c1-8b74-7ecc31743857_negatedTerseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Incorporation of Group companies, net</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Incorporation Of Group Companies, Provisions</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Incorporation Of Group Companies, Provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions" xlink:to="lab_san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TypesOfSharebasedPaymentArrangementsDomain_019ca0fb-cc70-71b5-9966-b76104b67612_terseLabel_en-US" xlink:label="lab_ifrs-full_TypesOfSharebasedPaymentArrangementsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Types of share-based payment arrangements [domain]</link:label>
    <link:label id="lab_ifrs-full_TypesOfSharebasedPaymentArrangementsDomain_label_en-US" xlink:label="lab_ifrs-full_TypesOfSharebasedPaymentArrangementsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Types of share-based payment arrangements [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TypesOfSharebasedPaymentArrangementsDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TypesOfSharebasedPaymentArrangementsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TypesOfSharebasedPaymentArrangementsDomain" xlink:to="lab_ifrs-full_TypesOfSharebasedPaymentArrangementsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RefinancedAndRestructuredTransactions_019ca0fb-cb6b-78bb-8891-f17ba733aee6_terseLabel_en-US" xlink:label="lab_san_RefinancedAndRestructuredTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Refinanced and restructured transactions</link:label>
    <link:label id="lab_san_RefinancedAndRestructuredTransactions_label_en-US" xlink:label="lab_san_RefinancedAndRestructuredTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Refinanced And Restructured Transactions</link:label>
    <link:label id="lab_san_RefinancedAndRestructuredTransactions_documentation_en-US" xlink:label="lab_san_RefinancedAndRestructuredTransactions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of loans and receivables that are refinanced and restructured. Includes the net balance of the impairment of the accumulated value or accumulated losses in the fair value due to credit risk.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RefinancedAndRestructuredTransactions" xlink:href="san-20251231.xsd#san_RefinancedAndRestructuredTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RefinancedAndRestructuredTransactions" xlink:to="lab_san_RefinancedAndRestructuredTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DividendDomain_019ca0fb-c9cd-7d84-bf6e-864d55539aa1_terseLabel_en-US" xlink:label="lab_san_DividendDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividend [Domain]</link:label>
    <link:label id="lab_san_DividendDomain_label_en-US" xlink:label="lab_san_DividendDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividend [Domain]</link:label>
    <link:label id="lab_san_DividendDomain_documentation_en-US" xlink:label="lab_san_DividendDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Dividend [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DividendDomain" xlink:href="san-20251231.xsd#san_DividendDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DividendDomain" xlink:to="lab_san_DividendDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfCustomerDepositsTableTextBlock_019ca0fb-c94e-7162-9ad7-968056bf5897_terseLabel_en-US" xlink:label="lab_san_ScheduleOfCustomerDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of customer deposits</link:label>
    <link:label id="lab_san_ScheduleOfCustomerDepositsTableTextBlock_label_en-US" xlink:label="lab_san_ScheduleOfCustomerDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Customer Deposits [Table Text block]</link:label>
    <link:label id="lab_san_ScheduleOfCustomerDepositsTableTextBlock_documentation_en-US" xlink:label="lab_san_ScheduleOfCustomerDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The detail, by classification, geographical area and type, of Customer deposits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfCustomerDepositsTableTextBlock" xlink:href="san-20251231.xsd#san_ScheduleOfCustomerDepositsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfCustomerDepositsTableTextBlock" xlink:to="lab_san_ScheduleOfCustomerDepositsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ComponentsOfEquityAxis_019ca0fb-ca4e-70b2-bd26-ff63763ff44d_terseLabel_en-US" xlink:label="lab_ifrs-full_ComponentsOfEquityAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Components of equity [axis]</link:label>
    <link:label id="lab_ifrs-full_ComponentsOfEquityAxis_label_en-US" xlink:label="lab_ifrs-full_ComponentsOfEquityAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Components of equity [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ComponentsOfEquityAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ComponentsOfEquityAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ComponentsOfEquityAxis" xlink:to="lab_ifrs-full_ComponentsOfEquityAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems_019ca0fb-c94e-772a-b55b-cdd0b906db7e_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems" xlink:to="lab_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DerivativesAndShortPositionsAbstract_019ca0fb-c94e-79a0-9984-de23f718ea44_terseLabel_en-US" xlink:label="lab_san_DerivativesAndShortPositionsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Derivatives And Short Positions [Abstract]</link:label>
    <link:label id="lab_san_DerivativesAndShortPositionsAbstract_label_en-US" xlink:label="lab_san_DerivativesAndShortPositionsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Derivatives And Short Positions [Abstract]</link:label>
    <link:label id="lab_san_DerivativesAndShortPositionsAbstract_documentation_en-US" xlink:label="lab_san_DerivativesAndShortPositionsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">n/a</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DerivativesAndShortPositionsAbstract" xlink:href="san-20251231.xsd#san_DerivativesAndShortPositionsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DerivativesAndShortPositionsAbstract" xlink:to="lab_san_DerivativesAndShortPositionsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_019ca0fb-cbee-7709-bbde-c77989feb224_verboseLabel_en-US" xlink:label="lab_san_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Non-trading financial assets mandatorily at fair value through profit or loss</link:label>
    <link:label id="lab_san_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_label_en-US" xlink:label="lab_san_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non Trading Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value Category [Member]</link:label>
    <link:label id="lab_san_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember_documentation_en-US" xlink:label="lab_san_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the non-trading financial assets mandatorily measured at fair value through profit or loss category.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember" xlink:href="san-20251231.xsd#san_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember" xlink:to="lab_san_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems_019ca0fb-cbee-7d6d-8bd1-826248fffe94_verboseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Marketable debt securities</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems_019ca0fb-cbee-78f7-a0e0-1e4d32d83587_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Guarantees</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of financial liabilities [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfFinancialLiabilitiesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems" xlink:to="lab_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SubordinatedLiabilitiesAbstract_019ca0fb-ca4e-71ca-82e6-3cc5303412f1_terseLabel_en-US" xlink:label="lab_ifrs-full_SubordinatedLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated liabilities [abstract]</link:label>
    <link:label id="lab_ifrs-full_SubordinatedLiabilitiesAbstract_label_en-US" xlink:label="lab_ifrs-full_SubordinatedLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated liabilities [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SubordinatedLiabilitiesAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SubordinatedLiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SubordinatedLiabilitiesAbstract" xlink:to="lab_ifrs-full_SubordinatedLiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InsuranceContractsLinkedToPensionsBenefitsPaid_019ca0fb-ca4e-77d7-af05-f1ef43e76865_negatedTerseLabel_en-US" xlink:label="lab_san_InsuranceContractsLinkedToPensionsBenefitsPaid" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Benefits paid</link:label>
    <link:label id="lab_san_InsuranceContractsLinkedToPensionsBenefitsPaid_label_en-US" xlink:label="lab_san_InsuranceContractsLinkedToPensionsBenefitsPaid" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance Contracts Linked To Pensions, Benefits Paid</link:label>
    <link:label id="lab_san_InsuranceContractsLinkedToPensionsBenefitsPaid_documentation_en-US" xlink:label="lab_san_InsuranceContractsLinkedToPensionsBenefitsPaid" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Benefits paid from insurance contracts linked to pensions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InsuranceContractsLinkedToPensionsBenefitsPaid" xlink:href="san-20251231.xsd#san_InsuranceContractsLinkedToPensionsBenefitsPaid"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InsuranceContractsLinkedToPensionsBenefitsPaid" xlink:to="lab_san_InsuranceContractsLinkedToPensionsBenefitsPaid" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DividendsMaximumAmountDistributable_019ca0fb-cc70-7bd9-ae31-462a43362f8b_totalLabel_en-US" xlink:label="lab_san_DividendsMaximumAmountDistributable" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Distributable maximum amount</link:label>
    <link:label id="lab_san_DividendsMaximumAmountDistributable_label_en-US" xlink:label="lab_san_DividendsMaximumAmountDistributable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends, Maximum Amount Distributable</link:label>
    <link:label id="lab_san_DividendsMaximumAmountDistributable_documentation_en-US" xlink:label="lab_san_DividendsMaximumAmountDistributable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Dividends, Maximum Amount Distributable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DividendsMaximumAmountDistributable" xlink:href="san-20251231.xsd#san_DividendsMaximumAmountDistributable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DividendsMaximumAmountDistributable" xlink:to="lab_san_DividendsMaximumAmountDistributable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherRegionsMember_019ca0fb-c9cd-7f18-bdef-b97f58c99403_terseLabel_en-US" xlink:label="lab_san_OtherRegionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Regions</link:label>
    <link:label id="lab_san_OtherRegionsMember_label_en-US" xlink:label="lab_san_OtherRegionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Regions [Member]</link:label>
    <link:label id="lab_san_OtherRegionsMember_documentation_en-US" xlink:label="lab_san_OtherRegionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Relates to all other regions in which the entity does business, excluding Spain, UK and Brazil.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherRegionsMember" xlink:href="san-20251231.xsd#san_OtherRegionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherRegionsMember" xlink:to="lab_san_OtherRegionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderConsumerUSAHoldingsIncMember_019ca0fb-c9cd-70f2-b985-4817ab82c26b_terseLabel_en-US" xlink:label="lab_san_SantanderConsumerUSAHoldingsIncMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Consumer USA Holdings Inc.</link:label>
    <link:label id="lab_san_SantanderConsumerUSAHoldingsIncMember_label_en-US" xlink:label="lab_san_SantanderConsumerUSAHoldingsIncMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Consumer USA Holdings Inc [Member]</link:label>
    <link:label id="lab_san_SantanderConsumerUSAHoldingsIncMember_documentation_en-US" xlink:label="lab_san_SantanderConsumerUSAHoldingsIncMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Santander Consumer Holdings Inc. (SCUSA).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderConsumerUSAHoldingsIncMember" xlink:href="san-20251231.xsd#san_SantanderConsumerUSAHoldingsIncMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderConsumerUSAHoldingsIncMember" xlink:to="lab_san_SantanderConsumerUSAHoldingsIncMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfProvisionRollForwardTableTextBlock_019ca0fb-cc70-72fd-a322-8a3abf5e7df2_terseLabel_en-US" xlink:label="lab_san_DisclosureOfProvisionRollForwardTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of changes in provision</link:label>
    <link:label id="lab_san_DisclosureOfProvisionRollForwardTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfProvisionRollForwardTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Provision Roll Forward [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfProvisionRollForwardTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfProvisionRollForwardTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of provision rollforward.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfProvisionRollForwardTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfProvisionRollForwardTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfProvisionRollForwardTableTextBlock" xlink:to="lab_san_DisclosureOfProvisionRollForwardTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CapitalRedemptionReserve_019ca0fb-cb6b-7a46-b7f8-ad6e6b3bcbd7_terseLabel_en-US" xlink:label="lab_ifrs-full_CapitalRedemptionReserve" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Own shares</link:label>
    <link:label id="lab_ifrs-full_CapitalRedemptionReserve_label_en-US" xlink:label="lab_ifrs-full_CapitalRedemptionReserve" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Capital redemption reserve</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CapitalRedemptionReserve" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CapitalRedemptionReserve"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CapitalRedemptionReserve" xlink:to="lab_ifrs-full_CapitalRedemptionReserve" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InsuredCapitalOfPremiumContributedPercentageReceivedByBeneficiaries_019ca0fb-cbee-708b-b3e0-ccfb76654f01_terseLabel_en-US" xlink:label="lab_san_InsuredCapitalOfPremiumContributedPercentageReceivedByBeneficiaries" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insured capital of premium contributed, percentage received by beneficiaries</link:label>
    <link:label id="lab_san_InsuredCapitalOfPremiumContributedPercentageReceivedByBeneficiaries_label_en-US" xlink:label="lab_san_InsuredCapitalOfPremiumContributedPercentageReceivedByBeneficiaries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insured Capital of Premium Contributed, Percentage Received by Beneficiaries</link:label>
    <link:label id="lab_san_InsuredCapitalOfPremiumContributedPercentageReceivedByBeneficiaries_documentation_en-US" xlink:label="lab_san_InsuredCapitalOfPremiumContributedPercentageReceivedByBeneficiaries" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Insured Capital of Premium Contributed, Percentage Received by Beneficiaries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InsuredCapitalOfPremiumContributedPercentageReceivedByBeneficiaries" xlink:href="san-20251231.xsd#san_InsuredCapitalOfPremiumContributedPercentageReceivedByBeneficiaries"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InsuredCapitalOfPremiumContributedPercentageReceivedByBeneficiaries" xlink:to="lab_san_InsuredCapitalOfPremiumContributedPercentageReceivedByBeneficiaries" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfDetailsByCurrencyOfIssueOfFinancialLiabilitiesOutstandingTableTextBlock_019ca0fb-c94e-7599-8e04-1efa771bf0cc_terseLabel_en-US" xlink:label="lab_san_DisclosureOfDetailsByCurrencyOfIssueOfFinancialLiabilitiesOutstandingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of bonds and debentures by currency</link:label>
    <link:label id="lab_san_DisclosureOfDetailsByCurrencyOfIssueOfFinancialLiabilitiesOutstandingTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfDetailsByCurrencyOfIssueOfFinancialLiabilitiesOutstandingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Details By Currency Of Issue Of Financial Liabilities Outstanding [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfDetailsByCurrencyOfIssueOfFinancialLiabilitiesOutstandingTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfDetailsByCurrencyOfIssueOfFinancialLiabilitiesOutstandingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure detail by currency of issue of financial liabilities outstanding.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfDetailsByCurrencyOfIssueOfFinancialLiabilitiesOutstandingTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfDetailsByCurrencyOfIssueOfFinancialLiabilitiesOutstandingTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfDetailsByCurrencyOfIssueOfFinancialLiabilitiesOutstandingTableTextBlock" xlink:to="lab_san_DisclosureOfDetailsByCurrencyOfIssueOfFinancialLiabilitiesOutstandingTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InApril2016Member_019ca0fb-c94e-7854-8f62-9da44c6ea321_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InApril2016Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In April 2016</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InApril2016Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InApril2016Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In April 2016 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InApril2016Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InApril2016Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In April 2016</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderS.A.InApril2016Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderS.A.InApril2016Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderS.A.InApril2016Member" xlink:to="lab_san_IssuanceByBancoSantanderS.A.InApril2016Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ExchangeRateOptionMember_019ca0fb-cbee-7be4-9b8a-b7453ded4095_terseLabel_en-US" xlink:label="lab_san_ExchangeRateOptionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchange rate options</link:label>
    <link:label id="lab_san_ExchangeRateOptionMember_label_en-US" xlink:label="lab_san_ExchangeRateOptionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Exchange Rate Option [Member]</link:label>
    <link:label id="lab_san_ExchangeRateOptionMember_documentation_en-US" xlink:label="lab_san_ExchangeRateOptionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for an exchange rate option.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ExchangeRateOptionMember" xlink:href="san-20251231.xsd#san_ExchangeRateOptionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ExchangeRateOptionMember" xlink:to="lab_san_ExchangeRateOptionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InternalProvisionsForPensions_019ca0fb-ca4d-7316-b5c5-6dd345170b02_terseLabel_en-US" xlink:label="lab_san_InternalProvisionsForPensions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Internal provisions for pensions</link:label>
    <link:label id="lab_san_InternalProvisionsForPensions_label_en-US" xlink:label="lab_san_InternalProvisionsForPensions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Internal Provisions For Pensions</link:label>
    <link:label id="lab_san_InternalProvisionsForPensions_documentation_en-US" xlink:label="lab_san_InternalProvisionsForPensions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Internal provisions for pensions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InternalProvisionsForPensions" xlink:href="san-20251231.xsd#san_InternalProvisionsForPensions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InternalProvisionsForPensions" xlink:to="lab_san_InternalProvisionsForPensions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfLoansAndAdvancesToBanksExplanatory_019ca0fb-cb6b-7ebb-ba00-ae4dcea78fd7_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfLoansAndAdvancesToBanksExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances to central banks and credit institutions</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfLoansAndAdvancesToBanksExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfLoansAndAdvancesToBanksExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of loans and advances to banks [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfLoansAndAdvancesToBanksExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfLoansAndAdvancesToBanksExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfLoansAndAdvancesToBanksExplanatory" xlink:to="lab_ifrs-full_DisclosureOfLoansAndAdvancesToBanksExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SwitzerlandFrancsAndEuroMember_019ca0fb-ca4e-7411-8dd1-9e86b22b9421_terseLabel_en-US" xlink:label="lab_san_SwitzerlandFrancsAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CHF/EUR</link:label>
    <link:label id="lab_san_SwitzerlandFrancsAndEuroMember_label_en-US" xlink:label="lab_san_SwitzerlandFrancsAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Switzerland, Francs And Euro [Member]</link:label>
    <link:label id="lab_san_SwitzerlandFrancsAndEuroMember_documentation_en-US" xlink:label="lab_san_SwitzerlandFrancsAndEuroMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Switzerland, Francs And Euro</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SwitzerlandFrancsAndEuroMember" xlink:href="san-20251231.xsd#san_SwitzerlandFrancsAndEuroMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SwitzerlandFrancsAndEuroMember" xlink:to="lab_san_SwitzerlandFrancsAndEuroMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SaleOfInterestHeldPricePerShare_019ca0fb-ca4e-751d-9193-db8643a755d8_terseLabel_en-US" xlink:label="lab_san_SaleOfInterestHeldPricePerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sale of interest held, price per share</link:label>
    <link:label id="lab_san_SaleOfInterestHeldPricePerShare_label_en-US" xlink:label="lab_san_SaleOfInterestHeldPricePerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sale of Interest Held, Price per Share</link:label>
    <link:label id="lab_san_SaleOfInterestHeldPricePerShare_documentation_en-US" xlink:label="lab_san_SaleOfInterestHeldPricePerShare" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sale of Interest Held, Price per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SaleOfInterestHeldPricePerShare" xlink:href="san-20251231.xsd#san_SaleOfInterestHeldPricePerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SaleOfInterestHeldPricePerShare" xlink:to="lab_san_SaleOfInterestHeldPricePerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CategoriesOfRelatedPartiesDomain_019ca0fb-cad3-738d-a034-f1c446bd3b2b_terseLabel_en-US" xlink:label="lab_ifrs-full_CategoriesOfRelatedPartiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Categories of related parties [domain]</link:label>
    <link:label id="lab_ifrs-full_CategoriesOfRelatedPartiesDomain_label_en-US" xlink:label="lab_ifrs-full_CategoriesOfRelatedPartiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Categories of related parties [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CategoriesOfRelatedPartiesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CategoriesOfRelatedPartiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CategoriesOfRelatedPartiesDomain" xlink:to="lab_ifrs-full_CategoriesOfRelatedPartiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GrupoPSAMember_019ca0fb-c94e-7106-be49-ddc917947a69_terseLabel_en-US" xlink:label="lab_san_GrupoPSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Grupo PSA</link:label>
    <link:label id="lab_san_GrupoPSAMember_label_en-US" xlink:label="lab_san_GrupoPSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Grupo PSA [Member]</link:label>
    <link:label id="lab_san_GrupoPSAMember_documentation_en-US" xlink:label="lab_san_GrupoPSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Grupo PSA.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GrupoPSAMember" xlink:href="san-20251231.xsd#san_GrupoPSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GrupoPSAMember" xlink:to="lab_san_GrupoPSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonControllingInterestsOtherComprehensiveIncomeMember_019ca0fb-c94e-7624-8533-6c8a78430912_terseLabel_en-US" xlink:label="lab_san_NonControllingInterestsOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-controlling interest, other comprehensive income</link:label>
    <link:label id="lab_san_NonControllingInterestsOtherComprehensiveIncomeMember_label_en-US" xlink:label="lab_san_NonControllingInterestsOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non Controlling Interests, Other Comprehensive Income [Member]</link:label>
    <link:label id="lab_san_NonControllingInterestsOtherComprehensiveIncomeMember_documentation_en-US" xlink:label="lab_san_NonControllingInterestsOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for equity in a subsidiary not attributable, directly or indirectly, to the parent representing the amount of accumulated items of income and expense (including reclassification adjustments) that are not recognised in profit or loss.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonControllingInterestsOtherComprehensiveIncomeMember" xlink:href="san-20251231.xsd#san_NonControllingInterestsOtherComprehensiveIncomeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonControllingInterestsOtherComprehensiveIncomeMember" xlink:to="lab_san_NonControllingInterestsOtherComprehensiveIncomeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansAndAdvancesToCustomersAbstract_019ca0fb-c94e-7805-a3dd-f3703763a14c_terseLabel_en-US" xlink:label="lab_san_LoansAndAdvancesToCustomersAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans And Advances To Customers Abstract</link:label>
    <link:label id="lab_san_LoansAndAdvancesToCustomersAbstract_label_en-US" xlink:label="lab_san_LoansAndAdvancesToCustomersAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans And Advances To Customers [Abstract]</link:label>
    <link:label id="lab_san_LoansAndAdvancesToCustomersAbstract_documentation_en-US" xlink:label="lab_san_LoansAndAdvancesToCustomersAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">n/a</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansAndAdvancesToCustomersAbstract" xlink:href="san-20251231.xsd#san_LoansAndAdvancesToCustomersAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansAndAdvancesToCustomersAbstract" xlink:to="lab_san_LoansAndAdvancesToCustomersAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EuroAndPeruvianNuevoSolMember_019ca0fb-cad3-759d-869b-2b1e1bcce7d6_terseLabel_en-US" xlink:label="lab_san_EuroAndPeruvianNuevoSolMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">EUR/PEN</link:label>
    <link:label id="lab_san_EuroAndPeruvianNuevoSolMember_label_en-US" xlink:label="lab_san_EuroAndPeruvianNuevoSolMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Euro And Peruvian Nuevo Sol [Member]</link:label>
    <link:label id="lab_san_EuroAndPeruvianNuevoSolMember_documentation_en-US" xlink:label="lab_san_EuroAndPeruvianNuevoSolMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Euro And Peruvian Nuevo Sol</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EuroAndPeruvianNuevoSolMember" xlink:href="san-20251231.xsd#san_EuroAndPeruvianNuevoSolMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EuroAndPeruvianNuevoSolMember" xlink:to="lab_san_EuroAndPeruvianNuevoSolMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill_019ca0fb-cc70-7d83-b89c-936583640dac_terseLabel_en-US" xlink:label="lab_san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net&#160; additions and disposals</link:label>
    <link:label id="lab_san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill_label_en-US" xlink:label="lab_san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Additions (Disposals), Intangible Assets Other Than Goodwill</link:label>
    <link:label id="lab_san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill_documentation_en-US" xlink:label="lab_san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The net increase or (decrease) in intangible assets other than goodwill resulting from additions and disposals.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" xlink:href="san-20251231.xsd#san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" xlink:to="lab_san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DecreaseThroughPaymentsToExternalFundsProvisions_019ca0fb-c9cd-7ceb-bdbe-0c64139ebc77_negatedLabel_en-US" xlink:label="lab_san_DecreaseThroughPaymentsToExternalFundsProvisions" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Payments to external funds</link:label>
    <link:label id="lab_san_DecreaseThroughPaymentsToExternalFundsProvisions_label_en-US" xlink:label="lab_san_DecreaseThroughPaymentsToExternalFundsProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease Through Payments To External Funds, Provisions</link:label>
    <link:label id="lab_san_DecreaseThroughPaymentsToExternalFundsProvisions_documentation_en-US" xlink:label="lab_san_DecreaseThroughPaymentsToExternalFundsProvisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Payments to external funds.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DecreaseThroughPaymentsToExternalFundsProvisions" xlink:href="san-20251231.xsd#san_DecreaseThroughPaymentsToExternalFundsProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DecreaseThroughPaymentsToExternalFundsProvisions" xlink:to="lab_san_DecreaseThroughPaymentsToExternalFundsProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesOnNetMonetaryPosition_019ca0fb-cbee-7bab-8558-993d03aae9bf_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnNetMonetaryPosition" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains (losses) on net monetary position</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnNetMonetaryPosition_label_en-US" xlink:label="lab_ifrs-full_GainsLossesOnNetMonetaryPosition" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (losses) on net monetary position</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesOnNetMonetaryPosition" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainsLossesOnNetMonetaryPosition"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesOnNetMonetaryPosition" xlink:to="lab_ifrs-full_GainsLossesOnNetMonetaryPosition" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanFourthAndFifthCycles2014And2015Member_019ca0fb-c94e-7a1f-8e9c-1617c8513e0e_terseLabel_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanFourthAndFifthCycles2014And2015Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred conditional variable remuneration plan fourth and fifth cycles</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanFourthAndFifthCycles2014And2015Member_label_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanFourthAndFifthCycles2014And2015Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan Fourth And Fifth Cycles 2014 And 2015 [Member]</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanFourthAndFifthCycles2014And2015Member_documentation_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanFourthAndFifthCycles2014And2015Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to the Deferred Conditional Variable Remuneration Plan Fourth And Fifth Cycles (2014 and 2015, respectively).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredConditionalVariableRemunerationPlanFourthAndFifthCycles2014And2015Member" xlink:href="san-20251231.xsd#san_DeferredConditionalVariableRemunerationPlanFourthAndFifthCycles2014And2015Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredConditionalVariableRemunerationPlanFourthAndFifthCycles2014And2015Member" xlink:to="lab_san_DeferredConditionalVariableRemunerationPlanFourthAndFifthCycles2014And2015Member" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ConsolidationItemsDomain_019ca0fb-c9cd-7568-8411-7a1d861df891_terseLabel_en-US" xlink:label="lab_srt_ConsolidationItemsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidation Items [Domain]</link:label>
    <link:label id="lab_srt_ConsolidationItemsDomain_label_en-US" xlink:label="lab_srt_ConsolidationItemsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidation Items [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidationItemsDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidationItemsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ConsolidationItemsDomain" xlink:to="lab_srt_ConsolidationItemsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EuropeanUnionExcludingSpainMember_019ca0fb-c94e-7d47-998e-e998630771ce_terseLabel_en-US" xlink:label="lab_san_EuropeanUnionExcludingSpainMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rest of Europe</link:label>
    <link:label id="lab_san_EuropeanUnionExcludingSpainMember_label_en-US" xlink:label="lab_san_EuropeanUnionExcludingSpainMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">European Union Excluding Spain [Member]</link:label>
    <link:label id="lab_san_EuropeanUnionExcludingSpainMember_documentation_en-US" xlink:label="lab_san_EuropeanUnionExcludingSpainMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">European Union Excluding Spain [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EuropeanUnionExcludingSpainMember" xlink:href="san-20251231.xsd#san_EuropeanUnionExcludingSpainMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EuropeanUnionExcludingSpainMember" xlink:to="lab_san_EuropeanUnionExcludingSpainMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfDetailedInformationAboutPersonnelExpensesExplanatoryTableTextBlock_019ca0fb-c9cd-7ca2-b752-73970ac93219_terseLabel_en-US" xlink:label="lab_san_DisclosureOfDetailedInformationAboutPersonnelExpensesExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of detail of staff costs</link:label>
    <link:label id="lab_san_DisclosureOfDetailedInformationAboutPersonnelExpensesExplanatoryTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfDetailedInformationAboutPersonnelExpensesExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Detailed Information About Personnel Expenses Explanatory [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfDetailedInformationAboutPersonnelExpensesExplanatoryTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfDetailedInformationAboutPersonnelExpensesExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of detailed information about personnel expenses.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfDetailedInformationAboutPersonnelExpensesExplanatoryTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfDetailedInformationAboutPersonnelExpensesExplanatoryTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfDetailedInformationAboutPersonnelExpensesExplanatoryTableTextBlock" xlink:to="lab_san_DisclosureOfDetailedInformationAboutPersonnelExpensesExplanatoryTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterests_019ca0fb-cbee-7269-8a7a-c37509dee85d_terseLabel_en-US" xlink:label="lab_san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterests" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income or loss</link:label>
    <link:label id="lab_san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterests_label_en-US" xlink:label="lab_san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterests" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income Attributable To Non-controlling Interests</link:label>
    <link:label id="lab_san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterests_documentation_en-US" xlink:label="lab_san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterests" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount attributable to non-controlling interest of accumulated items of income and expense (including reclassification adjustments) that are not recognized in profit or loss as required or permitted by other IFRSs.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterests" xlink:href="san-20251231.xsd#san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterests"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterests" xlink:to="lab_san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterests" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedBondsByIssuanceDomain_019ca0fb-cad3-702c-bfb2-f3be5db836e7_terseLabel_en-US" xlink:label="lab_san_SubordinatedBondsByIssuanceDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated Bonds By Issuance [Domain]</link:label>
    <link:label id="lab_san_SubordinatedBondsByIssuanceDomain_label_en-US" xlink:label="lab_san_SubordinatedBondsByIssuanceDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Bonds By Issuance [Domain]</link:label>
    <link:label id="lab_san_SubordinatedBondsByIssuanceDomain_documentation_en-US" xlink:label="lab_san_SubordinatedBondsByIssuanceDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Bonds By Issuance [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedBondsByIssuanceDomain" xlink:href="san-20251231.xsd#san_SubordinatedBondsByIssuanceDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedBondsByIssuanceDomain" xlink:to="lab_san_SubordinatedBondsByIssuanceDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedBalanceSheetStatementTable_019ca0fb-ca4e-77b2-a2e5-940dc52cfa9a_terseLabel_en-US" xlink:label="lab_srt_CondensedBalanceSheetStatementTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Balance Sheet Statement [Table]</link:label>
    <link:label id="lab_srt_CondensedBalanceSheetStatementTable_label_en-US" xlink:label="lab_srt_CondensedBalanceSheetStatementTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Balance Sheet Statement [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedBalanceSheetStatementTable" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CondensedBalanceSheetStatementTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedBalanceSheetStatementTable" xlink:to="lab_srt_CondensedBalanceSheetStatementTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading_019ca0fb-c94e-7a6d-a100-4c7ea7166e0b_terseLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities held-for-trading</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments for increase (decrease) in financial liabilities held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" xlink:to="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfFinancialLiabilitiesMeasuredAtOtherThanFairValueTableTextBlock_019ca0fb-cb6b-7607-922d-c9abdca4d5c3_terseLabel_en-US" xlink:label="lab_san_DisclosureOfFinancialLiabilitiesMeasuredAtOtherThanFairValueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of financial liabilities measured at other than fair value</link:label>
    <link:label id="lab_san_DisclosureOfFinancialLiabilitiesMeasuredAtOtherThanFairValueTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfFinancialLiabilitiesMeasuredAtOtherThanFairValueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Financial Liabilities Measured At Other Than Fair Value [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfFinancialLiabilitiesMeasuredAtOtherThanFairValueTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfFinancialLiabilitiesMeasuredAtOtherThanFairValueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of financial liabilities measured at other than fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfFinancialLiabilitiesMeasuredAtOtherThanFairValueTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfFinancialLiabilitiesMeasuredAtOtherThanFairValueTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfFinancialLiabilitiesMeasuredAtOtherThanFairValueTableTextBlock" xlink:to="lab_san_DisclosureOfFinancialLiabilitiesMeasuredAtOtherThanFairValueTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DiscountedCashFlowsOnMarginOfAReferencePortfolioMember_019ca0fb-c9cd-73aa-b56f-19e6e17a75ab_terseLabel_en-US" xlink:label="lab_san_DiscountedCashFlowsOnMarginOfAReferencePortfolioMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discounted Cash Flows on margin of a reference portfolio</link:label>
    <link:label id="lab_san_DiscountedCashFlowsOnMarginOfAReferencePortfolioMember_label_en-US" xlink:label="lab_san_DiscountedCashFlowsOnMarginOfAReferencePortfolioMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Discounted Cash Flows On Margin Of A Reference Portfolio [Member]</link:label>
    <link:label id="lab_san_DiscountedCashFlowsOnMarginOfAReferencePortfolioMember_documentation_en-US" xlink:label="lab_san_DiscountedCashFlowsOnMarginOfAReferencePortfolioMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Discounted Cash Flows On Margin Of A Reference Portfolio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DiscountedCashFlowsOnMarginOfAReferencePortfolioMember" xlink:href="san-20251231.xsd#san_DiscountedCashFlowsOnMarginOfAReferencePortfolioMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DiscountedCashFlowsOnMarginOfAReferencePortfolioMember" xlink:to="lab_san_DiscountedCashFlowsOnMarginOfAReferencePortfolioMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_WeightedAverageShares_019ca0fb-ca4e-7632-950f-3b1a800ee683_terseLabel_en-US" xlink:label="lab_ifrs-full_WeightedAverageShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted average number of shares outstanding (in shares)</link:label>
    <link:label id="lab_ifrs-full_WeightedAverageShares_label_en-US" xlink:label="lab_ifrs-full_WeightedAverageShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted average number of ordinary shares used in calculating basic earnings per share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_WeightedAverageShares" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_WeightedAverageShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_WeightedAverageShares" xlink:to="lab_ifrs-full_WeightedAverageShares" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SpanishAndForeignGovernmentSecuritiesMember_019ca0fb-ca4e-7e3b-b7bc-a9b782213a8e_terseLabel_en-US" xlink:label="lab_san_SpanishAndForeignGovernmentSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Spanish and foreign government securities</link:label>
    <link:label id="lab_san_SpanishAndForeignGovernmentSecuritiesMember_label_en-US" xlink:label="lab_san_SpanishAndForeignGovernmentSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Spanish And Foreign Government Securities [Member]</link:label>
    <link:label id="lab_san_SpanishAndForeignGovernmentSecuritiesMember_documentation_en-US" xlink:label="lab_san_SpanishAndForeignGovernmentSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents amount of Spanish and foreign government securities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SpanishAndForeignGovernmentSecuritiesMember" xlink:href="san-20251231.xsd#san_SpanishAndForeignGovernmentSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SpanishAndForeignGovernmentSecuritiesMember" xlink:to="lab_san_SpanishAndForeignGovernmentSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PagoNxtNominationCommitteeMember_019ca0fb-c94e-7b76-be7c-8d342cf88907_terseLabel_en-US" xlink:label="lab_san_PagoNxtNominationCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PagoNxt, Nomination Committee</link:label>
    <link:label id="lab_san_PagoNxtNominationCommitteeMember_label_en-US" xlink:label="lab_san_PagoNxtNominationCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PagoNxt, Nomination Committee [Member]</link:label>
    <link:label id="lab_san_PagoNxtNominationCommitteeMember_documentation_en-US" xlink:label="lab_san_PagoNxtNominationCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">PagoNxt, Nomination Committee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PagoNxtNominationCommitteeMember" xlink:href="san-20251231.xsd#san_PagoNxtNominationCommitteeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PagoNxtNominationCommitteeMember" xlink:to="lab_san_PagoNxtNominationCommitteeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedBondsByIssuanceAxis_019ca0fb-cbee-7b90-b76d-0bfce9f40500_terseLabel_en-US" xlink:label="lab_san_SubordinatedBondsByIssuanceAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated Bonds By Issuance [Axis]</link:label>
    <link:label id="lab_san_SubordinatedBondsByIssuanceAxis_label_en-US" xlink:label="lab_san_SubordinatedBondsByIssuanceAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Bonds By Issuance [Axis]</link:label>
    <link:label id="lab_san_SubordinatedBondsByIssuanceAxis_documentation_en-US" xlink:label="lab_san_SubordinatedBondsByIssuanceAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Bonds By Issuance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedBondsByIssuanceAxis" xlink:href="san-20251231.xsd#san_SubordinatedBondsByIssuanceAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedBondsByIssuanceAxis" xlink:to="lab_san_SubordinatedBondsByIssuanceAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TaxReformDomain_019ca0fb-c9cd-7048-b4e4-6b97ad2b9a62_terseLabel_en-US" xlink:label="lab_san_TaxReformDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax Reform [Domain]</link:label>
    <link:label id="lab_san_TaxReformDomain_label_en-US" xlink:label="lab_san_TaxReformDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Reform [Domain]</link:label>
    <link:label id="lab_san_TaxReformDomain_documentation_en-US" xlink:label="lab_san_TaxReformDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax Reform [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TaxReformDomain" xlink:href="san-20251231.xsd#san_TaxReformDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TaxReformDomain" xlink:to="lab_san_TaxReformDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherAssetBackedSecuritiesPersonalLoansAverageMaturity_019ca0fb-cad3-7526-814d-8b02c04e8732_terseLabel_en-US" xlink:label="lab_san_OtherAssetBackedSecuritiesPersonalLoansAverageMaturity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other asset - backed securities personal loans average maturities</link:label>
    <link:label id="lab_san_OtherAssetBackedSecuritiesPersonalLoansAverageMaturity_label_en-US" xlink:label="lab_san_OtherAssetBackedSecuritiesPersonalLoansAverageMaturity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Asset Backed Securities Personal Loans Average Maturity</link:label>
    <link:label id="lab_san_OtherAssetBackedSecuritiesPersonalLoansAverageMaturity_documentation_en-US" xlink:label="lab_san_OtherAssetBackedSecuritiesPersonalLoansAverageMaturity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the average maturity for other assets - backed securities personal loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherAssetBackedSecuritiesPersonalLoansAverageMaturity" xlink:href="san-20251231.xsd#san_OtherAssetBackedSecuritiesPersonalLoansAverageMaturity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherAssetBackedSecuritiesPersonalLoansAverageMaturity" xlink:to="lab_san_OtherAssetBackedSecuritiesPersonalLoansAverageMaturity" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfNumberOfOfficesTableTextBlock_019ca0fb-c94e-717f-a77c-5341bdd31e51_terseLabel_en-US" xlink:label="lab_san_DisclosureOfNumberOfOfficesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of number of offices</link:label>
    <link:label id="lab_san_DisclosureOfNumberOfOfficesTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfNumberOfOfficesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Number Of Offices [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfNumberOfOfficesTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfNumberOfOfficesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of offices.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfNumberOfOfficesTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfNumberOfOfficesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfNumberOfOfficesTableTextBlock" xlink:to="lab_san_DisclosureOfNumberOfOfficesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfDepreciationAndAmortisationExpenseExplanatory_019ca0fb-ca4e-7d4c-a1bc-8b2d2a161c53_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfDepreciationAndAmortisationExpenseExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of depreciation rates of tangible assets</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfDepreciationAndAmortisationExpenseExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfDepreciationAndAmortisationExpenseExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of depreciation and amortisation expense [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfDepreciationAndAmortisationExpenseExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfDepreciationAndAmortisationExpenseExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfDepreciationAndAmortisationExpenseExplanatory" xlink:to="lab_ifrs-full_DisclosureOfDepreciationAndAmortisationExpenseExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement_019ca0fb-c9cd-72f7-a8a3-7882d3e629c5_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total achievement of incentive</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Long Term And Deferred Compensation, Percent Of Achievement</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Long Term And Deferred Compensation, Percent Of Achievement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement" xlink:to="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ContributionsMadeByEmployees_019ca0fb-cbee-7e65-b2e3-d06c1ee583ee_terseLabel_en-US" xlink:label="lab_san_ContributionsMadeByEmployees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contributions made by employees</link:label>
    <link:label id="lab_san_ContributionsMadeByEmployees_label_en-US" xlink:label="lab_san_ContributionsMadeByEmployees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contributions Made By Employees</link:label>
    <link:label id="lab_san_ContributionsMadeByEmployees_documentation_en-US" xlink:label="lab_san_ContributionsMadeByEmployees" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Contributions made by employees.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ContributionsMadeByEmployees" xlink:href="san-20251231.xsd#san_ContributionsMadeByEmployees"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ContributionsMadeByEmployees" xlink:to="lab_san_ContributionsMadeByEmployees" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedLiabilitiesMember_019ca0fb-cad3-7206-8670-51271ee7c773_verboseLabel_en-US" xlink:label="lab_san_SubordinatedLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Subordinated debt</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesMember_019ca0fb-cad3-7071-97cf-36a6993598cd_terseLabel_en-US" xlink:label="lab_san_SubordinatedLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits redeemable at notice</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesMember_label_en-US" xlink:label="lab_san_SubordinatedLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Liabilities [Member]</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesMember_documentation_en-US" xlink:label="lab_san_SubordinatedLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents subordinated liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedLiabilitiesMember" xlink:href="san-20251231.xsd#san_SubordinatedLiabilitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedLiabilitiesMember" xlink:to="lab_san_SubordinatedLiabilitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CNPSantanderMember_019ca0fb-cbee-79e9-bd7d-e14f3d635bb3_verboseLabel_en-US" xlink:label="lab_san_CNPSantanderMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">CNP Santander</link:label>
    <link:label id="lab_san_CNPSantanderMember_019ca0fb-cbee-74d2-8512-5bb5385fbd6e_terseLabel_en-US" xlink:label="lab_san_CNPSantanderMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CNP Santander</link:label>
    <link:label id="lab_san_CNPSantanderMember_label_en-US" xlink:label="lab_san_CNPSantanderMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">CNP Santander [Member]</link:label>
    <link:label id="lab_san_CNPSantanderMember_documentation_en-US" xlink:label="lab_san_CNPSantanderMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Insurance [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CNPSantanderMember" xlink:href="san-20251231.xsd#san_CNPSantanderMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CNPSantanderMember" xlink:to="lab_san_CNPSantanderMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IfrsCommonEquityTierOneCapital_019ca0fb-cb6b-70df-a9da-dc946aef952c_totalLabel_en-US" xlink:label="lab_san_IfrsCommonEquityTierOneCapital" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Tier 1</link:label>
    <link:label id="lab_san_IfrsCommonEquityTierOneCapital_label_en-US" xlink:label="lab_san_IfrsCommonEquityTierOneCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS Common Equity Tier One Capital</link:label>
    <link:label id="lab_san_IfrsCommonEquityTierOneCapital_documentation_en-US" xlink:label="lab_san_IfrsCommonEquityTierOneCapital" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of Common Equity Tier One Risk-based Capital, as defined by international regulatory framework.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IfrsCommonEquityTierOneCapital" xlink:href="san-20251231.xsd#san_IfrsCommonEquityTierOneCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IfrsCommonEquityTierOneCapital" xlink:to="lab_san_IfrsCommonEquityTierOneCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_san_WealthManagementAndInsuranceSegmentMember_019ca0fb-cbee-7a7a-beb6-dc9aee5ed810_terseLabel_en-US" xlink:label="lab_san_WealthManagementAndInsuranceSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Wealth Management &amp; Insurance</link:label>
    <link:label id="lab_san_WealthManagementAndInsuranceSegmentMember_label_en-US" xlink:label="lab_san_WealthManagementAndInsuranceSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Wealth Management And Insurance Segment [Member]</link:label>
    <link:label id="lab_san_WealthManagementAndInsuranceSegmentMember_documentation_en-US" xlink:label="lab_san_WealthManagementAndInsuranceSegmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Wealth Management &amp; Insurance (Wealth): includes the asset management business (Santander Asset Management), the corporate unit of Private Banking and International Private Banking in Miami and Switzerland and the insurance business (Santander Insurance).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_WealthManagementAndInsuranceSegmentMember" xlink:href="san-20251231.xsd#san_WealthManagementAndInsuranceSegmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_WealthManagementAndInsuranceSegmentMember" xlink:to="lab_san_WealthManagementAndInsuranceSegmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfTermsAndConditionsOfDeferredVariableRemunerationPlansTableTextBlock_019ca0fb-cad3-73f5-bb12-ab067df87326_terseLabel_en-US" xlink:label="lab_san_DisclosureOfTermsAndConditionsOfDeferredVariableRemunerationPlansTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of deferred variable remuneration systems</link:label>
    <link:label id="lab_san_DisclosureOfTermsAndConditionsOfDeferredVariableRemunerationPlansTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfTermsAndConditionsOfDeferredVariableRemunerationPlansTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Terms And Conditions Of Deferred Variable Remuneration Plans [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfTermsAndConditionsOfDeferredVariableRemunerationPlansTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfTermsAndConditionsOfDeferredVariableRemunerationPlansTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of the terms and conditions of deferred variable remuneration plans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfTermsAndConditionsOfDeferredVariableRemunerationPlansTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfTermsAndConditionsOfDeferredVariableRemunerationPlansTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfTermsAndConditionsOfDeferredVariableRemunerationPlansTableTextBlock" xlink:to="lab_san_DisclosureOfTermsAndConditionsOfDeferredVariableRemunerationPlansTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TaxExpenseIncomeIncludingDiscontinuedOperations_019ca0fb-c94e-73c1-b757-d6c25f000c92_totalLabel_en-US" xlink:label="lab_san_TaxExpenseIncomeIncludingDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Income tax</link:label>
    <link:label id="lab_san_TaxExpenseIncomeIncludingDiscontinuedOperations_label_en-US" xlink:label="lab_san_TaxExpenseIncomeIncludingDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Expense (Income), Including Discontinued Operations</link:label>
    <link:label id="lab_san_TaxExpenseIncomeIncludingDiscontinuedOperations_documentation_en-US" xlink:label="lab_san_TaxExpenseIncomeIncludingDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax Expense (Income), Including Discontinued Operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TaxExpenseIncomeIncludingDiscontinuedOperations" xlink:href="san-20251231.xsd#san_TaxExpenseIncomeIncludingDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TaxExpenseIncomeIncludingDiscontinuedOperations" xlink:to="lab_san_TaxExpenseIncomeIncludingDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderEspanaMember_019ca0fb-cc70-7147-aaea-786c61bb72f7_terseLabel_en-US" xlink:label="lab_san_SantanderEspanaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Espa&#241;a</link:label>
    <link:label id="lab_san_SantanderEspanaMember_label_en-US" xlink:label="lab_san_SantanderEspanaMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Espana [Member]</link:label>
    <link:label id="lab_san_SantanderEspanaMember_documentation_en-US" xlink:label="lab_san_SantanderEspanaMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to Santander Espana.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderEspanaMember" xlink:href="san-20251231.xsd#san_SantanderEspanaMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderEspanaMember" xlink:to="lab_san_SantanderEspanaMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfProvisionForPensionsAndSimilarObligationsTableTextBlock_019ca0fb-ca4e-7644-992a-d2d340e2a90e_terseLabel_en-US" xlink:label="lab_san_DisclosureOfProvisionForPensionsAndSimilarObligationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of provision for pensions and similar obligations</link:label>
    <link:label id="lab_san_DisclosureOfProvisionForPensionsAndSimilarObligationsTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfProvisionForPensionsAndSimilarObligationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Provision For Pensions And Similar Obligations [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfProvisionForPensionsAndSimilarObligationsTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfProvisionForPensionsAndSimilarObligationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of Provision for pensions and similar obligations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfProvisionForPensionsAndSimilarObligationsTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfProvisionForPensionsAndSimilarObligationsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfProvisionForPensionsAndSimilarObligationsTableTextBlock" xlink:to="lab_san_DisclosureOfProvisionForPensionsAndSimilarObligationsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome_019ca0fb-c9cd-7efc-bed5-64141ccc1d31_terseLabel_en-US" xlink:label="lab_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earnings/(losses) recognised in another cumulative overall result</link:label>
    <link:label id="lab_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome_019ca0fb-c9cd-763a-8a6a-c678c75f5ec0_totalLabel_en-US" xlink:label="lab_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Earnings (losses) recognized in other comprehensive income</link:label>
    <link:label id="lab_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome_label_en-US" xlink:label="lab_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (Loss) On Hedging Instrument Recognised In Other Comprehensive Income</link:label>
    <link:label id="lab_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome_documentation_en-US" xlink:label="lab_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Gain (Loss) On Hedging Instrument Recognised In Other Comprehensive Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" xlink:href="san-20251231.xsd#san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" xlink:to="lab_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DefinedBenefitPlansDomain_019ca0fb-cb6b-7d99-bc66-00fed8a45b52_terseLabel_en-US" xlink:label="lab_ifrs-full_DefinedBenefitPlansDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined benefit plans [domain]</link:label>
    <link:label id="lab_ifrs-full_DefinedBenefitPlansDomain_label_en-US" xlink:label="lab_ifrs-full_DefinedBenefitPlansDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined benefit plans [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DefinedBenefitPlansDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DefinedBenefitPlansDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DefinedBenefitPlansDomain" xlink:to="lab_ifrs-full_DefinedBenefitPlansDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseInPortfolioOfSME_019ca0fb-cc70-7b30-a72c-0dc6bea88dcb_negatedTerseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseInPortfolioOfSME" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Decrease in portfolio of SMEs</link:label>
    <link:label id="lab_san_IncreaseDecreaseInPortfolioOfSME_label_en-US" xlink:label="lab_san_IncreaseDecreaseInPortfolioOfSME" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Portfolio Of SME</link:label>
    <link:label id="lab_san_IncreaseDecreaseInPortfolioOfSME_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseInPortfolioOfSME" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Portfolio Of SME</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseInPortfolioOfSME" xlink:href="san-20251231.xsd#san_IncreaseDecreaseInPortfolioOfSME"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseInPortfolioOfSME" xlink:to="lab_san_IncreaseDecreaseInPortfolioOfSME" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfWomenEmployees_019ca0fb-cbee-7d1d-bbe6-4c13f42070bd_terseLabel_en-US" xlink:label="lab_san_NumberOfWomenEmployees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of employees - women</link:label>
    <link:label id="lab_san_NumberOfWomenEmployees_label_en-US" xlink:label="lab_san_NumberOfWomenEmployees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Women Employees</link:label>
    <link:label id="lab_san_NumberOfWomenEmployees_documentation_en-US" xlink:label="lab_san_NumberOfWomenEmployees" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of personnel, identified as women, employed by the entity at a date.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfWomenEmployees" xlink:href="san-20251231.xsd#san_NumberOfWomenEmployees"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfWomenEmployees" xlink:to="lab_san_NumberOfWomenEmployees" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CountryOfDomicileMember_019ca0fb-cb6b-7a1c-84b6-c2114839019c_terseLabel_en-US" xlink:label="lab_ifrs-full_CountryOfDomicileMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Spain</link:label>
    <link:label id="lab_ifrs-full_CountryOfDomicileMember_label_en-US" xlink:label="lab_ifrs-full_CountryOfDomicileMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Country of domicile [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CountryOfDomicileMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CountryOfDomicileMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CountryOfDomicileMember" xlink:to="lab_ifrs-full_CountryOfDomicileMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ComputerEquipmentMember_019ca0fb-cb6b-701a-b472-2f8206ec1db5_terseLabel_en-US" xlink:label="lab_ifrs-full_ComputerEquipmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">IT equipment and fixtures</link:label>
    <link:label id="lab_ifrs-full_ComputerEquipmentMember_label_en-US" xlink:label="lab_ifrs-full_ComputerEquipmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Computer equipment [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ComputerEquipmentMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ComputerEquipmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ComputerEquipmentMember" xlink:to="lab_ifrs-full_ComputerEquipmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents_019ca0fb-cbee-7f8c-b32f-5d5378e30cda_totalLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">NET INCREASE/(DECREASE) IN CASH AND CASH EQUIVALENTS</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) in cash and cash equivalents after effect of exchange rate changes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseDecreaseInCashAndCashEquivalents"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents" xlink:to="lab_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems_019ca0fb-cbee-7840-be3a-665c583fc369_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash-generating units information</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of information for cash-generating units [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems" xlink:to="lab_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset_019ca0fb-c9cd-770f-a253-0717c9a9e9ab_terseLabel_en-US" xlink:label="lab_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Past service cost</link:label>
    <link:label id="lab_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) in net defined benefit liability (asset) resulting from past service cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanTwelfthCycle2022Member_019ca0fb-cad3-715c-8a0f-d3278fce4af2_terseLabel_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanTwelfthCycle2022Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred conditional variable remuneration plan twelfth cycle</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanTwelfthCycle2022Member_label_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanTwelfthCycle2022Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan Twelfth Cycle 2022 [Member]</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanTwelfthCycle2022Member_documentation_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanTwelfthCycle2022Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan Twelfth Cycle 2022</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredConditionalVariableRemunerationPlanTwelfthCycle2022Member" xlink:href="san-20251231.xsd#san_DeferredConditionalVariableRemunerationPlanTwelfthCycle2022Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredConditionalVariableRemunerationPlanTwelfthCycle2022Member" xlink:to="lab_san_DeferredConditionalVariableRemunerationPlanTwelfthCycle2022Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GetnetTecnologiaProcesSAMember_019ca0fb-cb6b-75d9-b0b1-4d74ecbd1996_terseLabel_en-US" xlink:label="lab_san_GetnetTecnologiaProcesSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Getnet Tecnologia Proces S.A.</link:label>
    <link:label id="lab_san_GetnetTecnologiaProcesSAMember_label_en-US" xlink:label="lab_san_GetnetTecnologiaProcesSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Getnet Tecnologia Proces S.A. [Member]</link:label>
    <link:label id="lab_san_GetnetTecnologiaProcesSAMember_documentation_en-US" xlink:label="lab_san_GetnetTecnologiaProcesSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Getnet Tecnologia Proces S.A.</link:label>
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    <link:label id="lab_ifrs-full_SubordinatedLiabilities_019ca0fb-cb6b-74fd-9087-4b3609126d8c_verboseLabel_en-US" xlink:label="lab_ifrs-full_SubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Outstanding issue amount</link:label>
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    <link:label id="lab_ifrs-full_SubordinatedLiabilities_019ca0fb-cb6b-744b-a2de-ccad7a2e8fee_periodEndLabel_en-US" xlink:label="lab_ifrs-full_SubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance at end of&#160;year</link:label>
    <link:label id="lab_ifrs-full_SubordinatedLiabilities_label_en-US" xlink:label="lab_ifrs-full_SubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SubordinatedLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SubordinatedLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SubordinatedLiabilities" xlink:to="lab_ifrs-full_SubordinatedLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SovereignRiskMember_019ca0fb-ca4e-71e7-b8aa-ca34a2cec07f_terseLabel_en-US" xlink:label="lab_san_SovereignRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sovereign risk</link:label>
    <link:label id="lab_san_SovereignRiskMember_label_en-US" xlink:label="lab_san_SovereignRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sovereign Risk [Member]</link:label>
    <link:label id="lab_san_SovereignRiskMember_documentation_en-US" xlink:label="lab_san_SovereignRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Credit risk assumed in transactions with the central bank (including the regulatory cash reserve requirement), the issuer risk of the Treasury or similar body (government debt securities) and the risk arising from transactions with public entities that have the following features: their funds are obtained only from fiscal income; they are legally recognized as entities directly included in the central government public sector; and their activities are of a non-commercial nature.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SovereignRiskMember" xlink:href="san-20251231.xsd#san_SovereignRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SovereignRiskMember" xlink:to="lab_san_SovereignRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderSegurosYReasegurosCompaniaAseguradoraSAMember_019ca0fb-c9cd-7013-8b80-bc5f044d7195_terseLabel_en-US" xlink:label="lab_san_SantanderSegurosYReasegurosCompaniaAseguradoraSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Seguros y Reaseguros, Compa&#241;&#237;a Aseguradora, S.A.</link:label>
    <link:label id="lab_san_SantanderSegurosYReasegurosCompaniaAseguradoraSAMember_label_en-US" xlink:label="lab_san_SantanderSegurosYReasegurosCompaniaAseguradoraSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Seguros Y Reaseguros Compania Aseguradora SA [Member]</link:label>
    <link:label id="lab_san_SantanderSegurosYReasegurosCompaniaAseguradoraSAMember_documentation_en-US" xlink:label="lab_san_SantanderSegurosYReasegurosCompaniaAseguradoraSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Santander Seguros y Reaseguros, Compania Aseguradora, S.A., a subsidiary of the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderSegurosYReasegurosCompaniaAseguradoraSAMember" xlink:href="san-20251231.xsd#san_SantanderSegurosYReasegurosCompaniaAseguradoraSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderSegurosYReasegurosCompaniaAseguradoraSAMember" xlink:to="lab_san_SantanderSegurosYReasegurosCompaniaAseguradoraSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NIIRiskConcentrationMember_019ca0fb-ca4e-71b0-8001-e2b5ef549c0e_terseLabel_en-US" xlink:label="lab_san_NIIRiskConcentrationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">NII risk concentration</link:label>
    <link:label id="lab_san_NIIRiskConcentrationMember_label_en-US" xlink:label="lab_san_NIIRiskConcentrationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">NII Risk Concentration [Member]</link:label>
    <link:label id="lab_san_NIIRiskConcentrationMember_documentation_en-US" xlink:label="lab_san_NIIRiskConcentrationMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for first risk assumption used in sensitivity analysis.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NIIRiskConcentrationMember" xlink:href="san-20251231.xsd#san_NIIRiskConcentrationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NIIRiskConcentrationMember" xlink:to="lab_san_NIIRiskConcentrationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PessimisticScenarioOneMember_019ca0fb-cad3-7ca3-b278-0710b20411b3_terseLabel_en-US" xlink:label="lab_san_PessimisticScenarioOneMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pessimistic scenario&#160;1</link:label>
    <link:label id="lab_san_PessimisticScenarioOneMember_label_en-US" xlink:label="lab_san_PessimisticScenarioOneMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pessimistic Scenario One [Member]</link:label>
    <link:label id="lab_san_PessimisticScenarioOneMember_documentation_en-US" xlink:label="lab_san_PessimisticScenarioOneMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to pessimistic scenario one.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PessimisticScenarioOneMember" xlink:href="san-20251231.xsd#san_PessimisticScenarioOneMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PessimisticScenarioOneMember" xlink:to="lab_san_PessimisticScenarioOneMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInMay2023Member_019ca0fb-c9cd-78e2-badb-5445fcf5f543_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInMay2023Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander SA In May 2023</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInMay2023Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInMay2023Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander SA In May 2023 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInMay2023Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInMay2023Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander SA In May 2023</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderSAInMay2023Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderSAInMay2023Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderSAInMay2023Member" xlink:to="lab_san_IssuanceByBancoSantanderSAInMay2023Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DesignatedItemsMember_019ca0fb-c94e-7313-98d9-eeb6776bc821_terseLabel_en-US" xlink:label="lab_san_DesignatedItemsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">C) Designated elements</link:label>
    <link:label id="lab_san_DesignatedItemsMember_label_en-US" xlink:label="lab_san_DesignatedItemsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Designated Items [Member]</link:label>
    <link:label id="lab_san_DesignatedItemsMember_documentation_en-US" xlink:label="lab_san_DesignatedItemsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Designated Items</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DesignatedItemsMember" xlink:href="san-20251231.xsd#san_DesignatedItemsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DesignatedItemsMember" xlink:to="lab_san_DesignatedItemsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_A2023ProgramMember_019ca0fb-c9cd-7919-8c9b-913a1f0b5235_terseLabel_en-US" xlink:label="lab_san_A2023ProgramMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2023 Program</link:label>
    <link:label id="lab_san_A2023ProgramMember_label_en-US" xlink:label="lab_san_A2023ProgramMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">2023 Program [Member]</link:label>
    <link:label id="lab_san_A2023ProgramMember_documentation_en-US" xlink:label="lab_san_A2023ProgramMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">2023 Program</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_A2023ProgramMember" xlink:href="san-20251231.xsd#san_A2023ProgramMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_A2023ProgramMember" xlink:to="lab_san_A2023ProgramMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForeclosedEquityInstrumentsMember_019ca0fb-cc70-74b7-be15-778d11b567b3_terseLabel_en-US" xlink:label="lab_san_ForeclosedEquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreclosed equity instruments</link:label>
    <link:label id="lab_san_ForeclosedEquityInstrumentsMember_label_en-US" xlink:label="lab_san_ForeclosedEquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreclosed Equity Instruments [Member]</link:label>
    <link:label id="lab_san_ForeclosedEquityInstrumentsMember_documentation_en-US" xlink:label="lab_san_ForeclosedEquityInstrumentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Foreclosed Equity Instruments [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForeclosedEquityInstrumentsMember" xlink:href="san-20251231.xsd#san_ForeclosedEquityInstrumentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForeclosedEquityInstrumentsMember" xlink:to="lab_san_ForeclosedEquityInstrumentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FairValueHedgesMember_019ca0fb-cad3-725b-b3b1-231a867a56df_terseLabel_en-US" xlink:label="lab_ifrs-full_FairValueHedgesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value hedges</link:label>
    <link:label id="lab_ifrs-full_FairValueHedgesMember_label_en-US" xlink:label="lab_ifrs-full_FairValueHedgesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair value hedges [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FairValueHedgesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FairValueHedgesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FairValueHedgesMember" xlink:to="lab_ifrs-full_FairValueHedgesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LatinAmericaAndRestOfTheWorldMember_019ca0fb-c94e-76c8-b6d0-399e563e358d_terseLabel_en-US" xlink:label="lab_san_LatinAmericaAndRestOfTheWorldMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Latin America and rest</link:label>
    <link:label id="lab_san_LatinAmericaAndRestOfTheWorldMember_label_en-US" xlink:label="lab_san_LatinAmericaAndRestOfTheWorldMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Latin America And Rest Of The World [Member]</link:label>
    <link:label id="lab_san_LatinAmericaAndRestOfTheWorldMember_documentation_en-US" xlink:label="lab_san_LatinAmericaAndRestOfTheWorldMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Latin America And Rest Of The World [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LatinAmericaAndRestOfTheWorldMember" xlink:href="san-20251231.xsd#san_LatinAmericaAndRestOfTheWorldMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LatinAmericaAndRestOfTheWorldMember" xlink:to="lab_san_LatinAmericaAndRestOfTheWorldMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsExplanatory_019ca0fb-c94e-7d27-8d49-9f330bfd362f_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of concentrations</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of nature and extent of risks arising from financial instruments [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_019ca0fb-ca4e-7ca3-b12f-d737ce971511_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">1&#160;to&#160;3 years</link:label>
    <link:label id="lab_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_019ca0fb-ca4e-720d-bd33-32bb6148f8fc_verboseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Between 1 and 3 years</link:label>
    <link:label id="lab_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Later than one year and not later than three years [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember" xlink:to="lab_ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfDeferredTaxesExplanatory_019ca0fb-cb6b-7f1c-bb34-5c47fd2db268_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfDeferredTaxesExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of changes in deferred tax assets and liabilities</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfDeferredTaxesExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfDeferredTaxesExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of deferred taxes [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfDeferredTaxesExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfDeferredTaxesExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfDeferredTaxesExplanatory" xlink:to="lab_ifrs-full_DisclosureOfDeferredTaxesExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NotesAndOtherSecuritiesMember_019ca0fb-ca4e-7908-94ef-8b0499bebc01_verboseLabel_en-US" xlink:label="lab_san_NotesAndOtherSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Notes&#160;and other securities</link:label>
    <link:label id="lab_san_NotesAndOtherSecuritiesMember_019ca0fb-ca4e-7a08-bb11-54fcc4a80d1e_terseLabel_en-US" xlink:label="lab_san_NotesAndOtherSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Promissory notes and other securities</link:label>
    <link:label id="lab_san_NotesAndOtherSecuritiesMember_label_en-US" xlink:label="lab_san_NotesAndOtherSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Notes And Other Securities [Member]</link:label>
    <link:label id="lab_san_NotesAndOtherSecuritiesMember_documentation_en-US" xlink:label="lab_san_NotesAndOtherSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents notes and other securities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NotesAndOtherSecuritiesMember" xlink:href="san-20251231.xsd#san_NotesAndOtherSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NotesAndOtherSecuritiesMember" xlink:to="lab_san_NotesAndOtherSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseThroughOriginationOrPurchaseFinancialAssets_019ca0fb-cb6b-739a-8ac3-35f9f124de36_verboseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseThroughOriginationOrPurchaseFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net additions</link:label>
    <link:label id="lab_ifrs-full_IncreaseThroughOriginationOrPurchaseFinancialAssets_label_en-US" xlink:label="lab_ifrs-full_IncreaseThroughOriginationOrPurchaseFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase through origination or purchase, financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseThroughOriginationOrPurchaseFinancialAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseThroughOriginationOrPurchaseFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseThroughOriginationOrPurchaseFinancialAssets" xlink:to="lab_ifrs-full_IncreaseThroughOriginationOrPurchaseFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_Tier2SubordinatedDebtMember_019ca0fb-c94e-7bb2-878f-c87030818842_terseLabel_en-US" xlink:label="lab_san_Tier2SubordinatedDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tier 2 Subordinated Debt</link:label>
    <link:label id="lab_san_Tier2SubordinatedDebtMember_label_en-US" xlink:label="lab_san_Tier2SubordinatedDebtMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tier 2 Subordinated Debt [Member]</link:label>
    <link:label id="lab_san_Tier2SubordinatedDebtMember_documentation_en-US" xlink:label="lab_san_Tier2SubordinatedDebtMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tier 2 Subordinated Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_Tier2SubordinatedDebtMember" xlink:href="san-20251231.xsd#san_Tier2SubordinatedDebtMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_Tier2SubordinatedDebtMember" xlink:to="lab_san_Tier2SubordinatedDebtMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ConsolidatedEntitiesDomain_019ca0fb-cc70-7ea8-944c-c10864841b36_terseLabel_en-US" xlink:label="lab_srt_ConsolidatedEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Domain]</link:label>
    <link:label id="lab_srt_ConsolidatedEntitiesDomain_label_en-US" xlink:label="lab_srt_ConsolidatedEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ConsolidatedEntitiesDomain" xlink:to="lab_srt_ConsolidatedEntitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMinimumNumberOfCountries_019ca0fb-cad3-73a9-ac0f-d51ca7b8bb58_terseLabel_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMinimumNumberOfCountries" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum number of countries with One Common Mobile Experience as top three rated entity</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMinimumNumberOfCountries_label_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMinimumNumberOfCountries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, One Common Mobile Experience, Top Rated Entities, Mobile Net Promoter, Minimum Number Of Countries</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMinimumNumberOfCountries_documentation_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMinimumNumberOfCountries" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, One Common Mobile Experience, Top Rated Entities, Mobile Net Promoter, Minimum Number Of Countries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMinimumNumberOfCountries" xlink:href="san-20251231.xsd#san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMinimumNumberOfCountries"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMinimumNumberOfCountries" xlink:to="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMinimumNumberOfCountries" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CommonEquityPillarOneCapitalRatio_019ca0fb-ca4e-703f-8112-e86fe6f6c600_terseLabel_en-US" xlink:label="lab_san_CommonEquityPillarOneCapitalRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pillar 1 percentage</link:label>
    <link:label id="lab_san_CommonEquityPillarOneCapitalRatio_label_en-US" xlink:label="lab_san_CommonEquityPillarOneCapitalRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Equity Pillar One Capital Ratio</link:label>
    <link:label id="lab_san_CommonEquityPillarOneCapitalRatio_documentation_en-US" xlink:label="lab_san_CommonEquityPillarOneCapitalRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of Common Equity Pillar One Risk-based Capital to total risk-weighted assets, as defined by regulatory framework.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CommonEquityPillarOneCapitalRatio" xlink:href="san-20251231.xsd#san_CommonEquityPillarOneCapitalRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CommonEquityPillarOneCapitalRatio" xlink:to="lab_san_CommonEquityPillarOneCapitalRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfClassesOfShareCapitalAbstract_019ca0fb-c9cd-72b5-b8f0-202371262150_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfClassesOfShareCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of classes of share capital [abstract]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfClassesOfShareCapitalAbstract_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfClassesOfShareCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of classes of share capital [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfClassesOfShareCapitalAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfClassesOfShareCapitalAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfClassesOfShareCapitalAbstract" xlink:to="lab_ifrs-full_DisclosureOfClassesOfShareCapitalAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TypeOfCompensationAxis_019ca0fb-cb6b-7093-8583-8aed03db0e74_terseLabel_en-US" xlink:label="lab_san_TypeOfCompensationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Type of Compensation [Axis]</link:label>
    <link:label id="lab_san_TypeOfCompensationAxis_label_en-US" xlink:label="lab_san_TypeOfCompensationAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Type of Compensation [Axis]</link:label>
    <link:label id="lab_san_TypeOfCompensationAxis_documentation_en-US" xlink:label="lab_san_TypeOfCompensationAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Type of Compensation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TypeOfCompensationAxis" xlink:href="san-20251231.xsd#san_TypeOfCompensationAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TypeOfCompensationAxis" xlink:to="lab_san_TypeOfCompensationAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_UnderlyingProfitItemsMember_019ca0fb-cb6b-70bd-8fe8-fc4546ecc565_terseLabel_en-US" xlink:label="lab_san_UnderlyingProfitItemsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Underlying results</link:label>
    <link:label id="lab_san_UnderlyingProfitItemsMember_label_en-US" xlink:label="lab_san_UnderlyingProfitItemsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Underlying Profit Items [Member]</link:label>
    <link:label id="lab_san_UnderlyingProfitItemsMember_documentation_en-US" xlink:label="lab_san_UnderlyingProfitItemsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Underlying Profit Items</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_UnderlyingProfitItemsMember" xlink:href="san-20251231.xsd#san_UnderlyingProfitItemsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_UnderlyingProfitItemsMember" xlink:to="lab_san_UnderlyingProfitItemsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherEquityInstrumentsExpectedCost_019ca0fb-ca4e-79e7-88ed-dea11d19e7a4_terseLabel_en-US" xlink:label="lab_san_OtherEquityInstrumentsExpectedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expected cost</link:label>
    <link:label id="lab_san_OtherEquityInstrumentsExpectedCost_label_en-US" xlink:label="lab_san_OtherEquityInstrumentsExpectedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Equity Instruments Expected Cost</link:label>
    <link:label id="lab_san_OtherEquityInstrumentsExpectedCost_documentation_en-US" xlink:label="lab_san_OtherEquityInstrumentsExpectedCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The estimated cost of component of equity representing components of convertible instruments classified as equity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherEquityInstrumentsExpectedCost" xlink:href="san-20251231.xsd#san_OtherEquityInstrumentsExpectedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherEquityInstrumentsExpectedCost" xlink:to="lab_san_OtherEquityInstrumentsExpectedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CurrentFiscalYearEndDate_019ca0fb-cb6b-7003-9c49-75d8dc0f67ea_terseLabel_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:label id="lab_dei_CurrentFiscalYearEndDate_label_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CurrentFiscalYearEndDate" xlink:to="lab_dei_CurrentFiscalYearEndDate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderConsumerBankPolskaMember_019ca0fb-cad3-7bac-a409-2351ddc4b377_terseLabel_en-US" xlink:label="lab_san_SantanderConsumerBankPolskaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Consumer Bank Polska</link:label>
    <link:label id="lab_san_SantanderConsumerBankPolskaMember_label_en-US" xlink:label="lab_san_SantanderConsumerBankPolskaMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Consumer Bank Polska [Member]</link:label>
    <link:label id="lab_san_SantanderConsumerBankPolskaMember_documentation_en-US" xlink:label="lab_san_SantanderConsumerBankPolskaMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Consumer Bank Polska</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderConsumerBankPolskaMember" xlink:href="san-20251231.xsd#san_SantanderConsumerBankPolskaMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderConsumerBankPolskaMember" xlink:to="lab_san_SantanderConsumerBankPolskaMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfDetailedInformationAboutEmployeeByGenderExplanatoryTableTextBlock_019ca0fb-c9cd-7d95-8519-8396498e5d37_terseLabel_en-US" xlink:label="lab_san_DisclosureOfDetailedInformationAboutEmployeeByGenderExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of functional breakdown of final employment by gender</link:label>
    <link:label id="lab_san_DisclosureOfDetailedInformationAboutEmployeeByGenderExplanatoryTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfDetailedInformationAboutEmployeeByGenderExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Detailed Information About Employee By Gender Explanatory [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfDetailedInformationAboutEmployeeByGenderExplanatoryTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfDetailedInformationAboutEmployeeByGenderExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of detailed information about the functional breakdown of employment by gender.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfDetailedInformationAboutEmployeeByGenderExplanatoryTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfDetailedInformationAboutEmployeeByGenderExplanatoryTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfDetailedInformationAboutEmployeeByGenderExplanatoryTableTextBlock" xlink:to="lab_san_DisclosureOfDetailedInformationAboutEmployeeByGenderExplanatoryTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfNoncurrentAssetsAndLiabilitiesOrDisposalGroupsClassifiedAsHeldForSaleTextBlock_019ca0fb-cad3-707b-9a79-f0af972c1b28_terseLabel_en-US" xlink:label="lab_san_DisclosureOfNoncurrentAssetsAndLiabilitiesOrDisposalGroupsClassifiedAsHeldForSaleTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-current assets held for sale and liabilities associated with non-current assets held for sale</link:label>
    <link:label id="lab_san_DisclosureOfNoncurrentAssetsAndLiabilitiesOrDisposalGroupsClassifiedAsHeldForSaleTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfNoncurrentAssetsAndLiabilitiesOrDisposalGroupsClassifiedAsHeldForSaleTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Noncurrent Assets And Liabilities Or Disposal Groups Classified As Held For Sale [Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfNoncurrentAssetsAndLiabilitiesOrDisposalGroupsClassifiedAsHeldForSaleTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfNoncurrentAssetsAndLiabilitiesOrDisposalGroupsClassifiedAsHeldForSaleTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Noncurrent Assets And Liabilities Or Disposal Groups Classified As Held For Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfNoncurrentAssetsAndLiabilitiesOrDisposalGroupsClassifiedAsHeldForSaleTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfNoncurrentAssetsAndLiabilitiesOrDisposalGroupsClassifiedAsHeldForSaleTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfNoncurrentAssetsAndLiabilitiesOrDisposalGroupsClassifiedAsHeldForSaleTextBlock" xlink:to="lab_san_DisclosureOfNoncurrentAssetsAndLiabilitiesOrDisposalGroupsClassifiedAsHeldForSaleTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ExchangeDifferencesAndOtherChanges_019ca0fb-cb6b-79f5-8887-894a373b8968_terseLabel_en-US" xlink:label="lab_san_ExchangeDifferencesAndOtherChanges" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchange differences and other changes</link:label>
    <link:label id="lab_san_ExchangeDifferencesAndOtherChanges_label_en-US" xlink:label="lab_san_ExchangeDifferencesAndOtherChanges" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Exchange Differences And Other Changes</link:label>
    <link:label id="lab_san_ExchangeDifferencesAndOtherChanges_documentation_en-US" xlink:label="lab_san_ExchangeDifferencesAndOtherChanges" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Exchange Differences And Other Changes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ExchangeDifferencesAndOtherChanges" xlink:href="san-20251231.xsd#san_ExchangeDifferencesAndOtherChanges"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ExchangeDifferencesAndOtherChanges" xlink:to="lab_san_ExchangeDifferencesAndOtherChanges" xlink:type="arc" order="1"/>
    <link:label id="lab_country_IE_019ca0fb-c9cd-7389-abaf-cc47c0319602_terseLabel_en-US" xlink:label="lab_country_IE" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ireland</link:label>
    <link:label id="lab_country_IE_label_en-US" xlink:label="lab_country_IE" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IRELAND</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_IE" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_IE"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_IE" xlink:to="lab_country_IE" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfOtherComprehensiveIncomeAbstract_label_en-US" xlink:label="lab_san_DisclosureOfOtherComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Other Comprehensive Income [Abstract]</link:label>
    <link:label id="lab_san_DisclosureOfOtherComprehensiveIncomeAbstract_documentation_en-US" xlink:label="lab_san_DisclosureOfOtherComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Other Comprehensive Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfOtherComprehensiveIncomeAbstract" xlink:href="san-20251231.xsd#san_DisclosureOfOtherComprehensiveIncomeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfOtherComprehensiveIncomeAbstract" xlink:to="lab_san_DisclosureOfOtherComprehensiveIncomeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CCCAndBelowMember_019ca0fb-cad3-777e-932f-8db0000b57b9_terseLabel_en-US" xlink:label="lab_san_CCCAndBelowMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CCC and below</link:label>
    <link:label id="lab_san_CCCAndBelowMember_label_en-US" xlink:label="lab_san_CCCAndBelowMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">CCC And Below [Member]</link:label>
    <link:label id="lab_san_CCCAndBelowMember_documentation_en-US" xlink:label="lab_san_CCCAndBelowMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">CCC And Below</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CCCAndBelowMember" xlink:href="san-20251231.xsd#san_CCCAndBelowMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CCCAndBelowMember" xlink:to="lab_san_CCCAndBelowMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability_019ca0fb-cbee-7938-922a-d993c9cedce9_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in the fair value of financial liabilities at fair value through profit or loss attributable to changes in credit risk</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other comprehensive income, net of tax, change in fair value of financial liability attributable to change in credit risk of liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BancoSantanderArgentinaSAMember_019ca0fb-cc70-797d-a6c8-d2578c9c7622_terseLabel_en-US" xlink:label="lab_san_BancoSantanderArgentinaSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Santander Argentina S.A.</link:label>
    <link:label id="lab_san_BancoSantanderArgentinaSAMember_label_en-US" xlink:label="lab_san_BancoSantanderArgentinaSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banco Santander Argentina S.A. [Member]</link:label>
    <link:label id="lab_san_BancoSantanderArgentinaSAMember_documentation_en-US" xlink:label="lab_san_BancoSantanderArgentinaSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Banco Santander Argentina S.A.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BancoSantanderArgentinaSAMember" xlink:href="san-20251231.xsd#san_BancoSantanderArgentinaSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BancoSantanderArgentinaSAMember" xlink:to="lab_san_BancoSantanderArgentinaSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedLiabilitiesPreferenceSharesFirstSeriesMember_019ca0fb-cbee-781d-8995-8773fcd154cf_terseLabel_en-US" xlink:label="lab_san_SubordinatedLiabilitiesPreferenceSharesFirstSeriesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated Liabilities, Preference Shares, First Series</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesPreferenceSharesFirstSeriesMember_label_en-US" xlink:label="lab_san_SubordinatedLiabilitiesPreferenceSharesFirstSeriesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Liabilities, Preference Shares, First Series [Member]</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesPreferenceSharesFirstSeriesMember_documentation_en-US" xlink:label="lab_san_SubordinatedLiabilitiesPreferenceSharesFirstSeriesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Liabilities, Preference Shares, First Series</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedLiabilitiesPreferenceSharesFirstSeriesMember" xlink:href="san-20251231.xsd#san_SubordinatedLiabilitiesPreferenceSharesFirstSeriesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedLiabilitiesPreferenceSharesFirstSeriesMember" xlink:to="lab_san_SubordinatedLiabilitiesPreferenceSharesFirstSeriesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialInstrumentsCreditimpairedMember_019ca0fb-c94e-785b-a380-a295ab04d8ec_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialInstrumentsCreditimpairedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial instruments credit-impaired</link:label>
    <link:label id="lab_ifrs-full_FinancialInstrumentsCreditimpairedMember_label_en-US" xlink:label="lab_ifrs-full_FinancialInstrumentsCreditimpairedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial instruments credit-impaired [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialInstrumentsCreditimpairedMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialInstrumentsCreditimpairedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialInstrumentsCreditimpairedMember" xlink:to="lab_ifrs-full_FinancialInstrumentsCreditimpairedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BondsAndDebenturesOutstandingAndSubordinatedLiabilitiesMember_019ca0fb-cbee-7d01-b0cb-df8b59ef7bc1_terseLabel_en-US" xlink:label="lab_san_BondsAndDebenturesOutstandingAndSubordinatedLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities issued</link:label>
    <link:label id="lab_san_BondsAndDebenturesOutstandingAndSubordinatedLiabilitiesMember_label_en-US" xlink:label="lab_san_BondsAndDebenturesOutstandingAndSubordinatedLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Bonds And Debentures Outstanding And Subordinated Liabilities [Member]</link:label>
    <link:label id="lab_san_BondsAndDebenturesOutstandingAndSubordinatedLiabilitiesMember_documentation_en-US" xlink:label="lab_san_BondsAndDebenturesOutstandingAndSubordinatedLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents bonds and debentures and subordinated liabilities outstanding.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BondsAndDebenturesOutstandingAndSubordinatedLiabilitiesMember" xlink:href="san-20251231.xsd#san_BondsAndDebenturesOutstandingAndSubordinatedLiabilitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BondsAndDebenturesOutstandingAndSubordinatedLiabilitiesMember" xlink:to="lab_san_BondsAndDebenturesOutstandingAndSubordinatedLiabilitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LargeExposureCustomersTopFortyMember_019ca0fb-ca4e-70d9-a1cf-ba859ed4efd3_terseLabel_en-US" xlink:label="lab_san_LargeExposureCustomersTopFortyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">"Large Exposures" Customers, top 40</link:label>
    <link:label id="lab_san_LargeExposureCustomersTopFortyMember_label_en-US" xlink:label="lab_san_LargeExposureCustomersTopFortyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Large Exposure Customers, Top Forty [Member]</link:label>
    <link:label id="lab_san_LargeExposureCustomersTopFortyMember_documentation_en-US" xlink:label="lab_san_LargeExposureCustomersTopFortyMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Large Exposure Customers, Top Forty</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LargeExposureCustomersTopFortyMember" xlink:href="san-20251231.xsd#san_LargeExposureCustomersTopFortyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LargeExposureCustomersTopFortyMember" xlink:to="lab_san_LargeExposureCustomersTopFortyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceDomain_019ca0fb-cb6b-7654-b554-4ce2e9fc2154_terseLabel_en-US" xlink:label="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preference Shares And Preferred Securities By Issuance [Domain]</link:label>
    <link:label id="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceDomain_label_en-US" xlink:label="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preference Shares And Preferred Securities By Issuance [Domain]</link:label>
    <link:label id="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceDomain_documentation_en-US" xlink:label="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Preference Shares And Preferred Securities By Issuance [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PreferenceSharesAndPreferredSecuritiesByIssuanceDomain" xlink:href="san-20251231.xsd#san_PreferenceSharesAndPreferredSecuritiesByIssuanceDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PreferenceSharesAndPreferredSecuritiesByIssuanceDomain" xlink:to="lab_san_PreferenceSharesAndPreferredSecuritiesByIssuanceDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_019ca0fb-cbee-79b6-a7ee-17ad4d7a5884_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FINANCIAL LIABILITIES AT AMORTIZED COST</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_019ca0fb-cbee-7522-bb3a-e196968eda67_verboseLabel_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities at amortised cost</link:label>
    <link:label id="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember_label_en-US" xlink:label="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial liabilities at amortised cost, category [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember" xlink:to="lab_ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FairValueOfPropertyPlantAndEquipmentMateriallyDifferentFromCarryingAmount_019ca0fb-cc70-789e-845d-b70404145d9b_terseLabel_en-US" xlink:label="lab_ifrs-full_FairValueOfPropertyPlantAndEquipmentMateriallyDifferentFromCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value of investment property</link:label>
    <link:label id="lab_ifrs-full_FairValueOfPropertyPlantAndEquipmentMateriallyDifferentFromCarryingAmount_label_en-US" xlink:label="lab_ifrs-full_FairValueOfPropertyPlantAndEquipmentMateriallyDifferentFromCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair value of property, plant and equipment materially different from carrying amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FairValueOfPropertyPlantAndEquipmentMateriallyDifferentFromCarryingAmount" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FairValueOfPropertyPlantAndEquipmentMateriallyDifferentFromCarryingAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FairValueOfPropertyPlantAndEquipmentMateriallyDifferentFromCarryingAmount" xlink:to="lab_ifrs-full_FairValueOfPropertyPlantAndEquipmentMateriallyDifferentFromCarryingAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GinaLorenzaDiezBarrosoAracarragaMember_019ca0fb-cc70-7fb2-b92f-9cfa754eaeb8_terseLabel_en-US" xlink:label="lab_san_GinaLorenzaDiezBarrosoAracarragaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gina D&#237;ez</link:label>
    <link:label id="lab_san_GinaLorenzaDiezBarrosoAracarragaMember_label_en-US" xlink:label="lab_san_GinaLorenzaDiezBarrosoAracarragaMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gina Lorenza Diez Barroso Aracarraga [Member]</link:label>
    <link:label id="lab_san_GinaLorenzaDiezBarrosoAracarragaMember_documentation_en-US" xlink:label="lab_san_GinaLorenzaDiezBarrosoAracarragaMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Gina Lorenza Diez Barroso Aracarraga</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GinaLorenzaDiezBarrosoAracarragaMember" xlink:href="san-20251231.xsd#san_GinaLorenzaDiezBarrosoAracarragaMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GinaLorenzaDiezBarrosoAracarragaMember" xlink:to="lab_san_GinaLorenzaDiezBarrosoAracarragaMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherCompaniesExchangeDifferencesAndConsolidationAdjustmentsMember_019ca0fb-c9cd-7729-97f0-8bdeb8b4d2ac_terseLabel_en-US" xlink:label="lab_san_OtherCompaniesExchangeDifferencesAndConsolidationAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other companies and consolidation adjustments</link:label>
    <link:label id="lab_san_OtherCompaniesExchangeDifferencesAndConsolidationAdjustmentsMember_label_en-US" xlink:label="lab_san_OtherCompaniesExchangeDifferencesAndConsolidationAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Companies Exchange Differences And Consolidation Adjustments [Member]</link:label>
    <link:label id="lab_san_OtherCompaniesExchangeDifferencesAndConsolidationAdjustmentsMember_documentation_en-US" xlink:label="lab_san_OtherCompaniesExchangeDifferencesAndConsolidationAdjustmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to other subsidiaries, exchange differences, and consolidation adjustments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherCompaniesExchangeDifferencesAndConsolidationAdjustmentsMember" xlink:href="san-20251231.xsd#san_OtherCompaniesExchangeDifferencesAndConsolidationAdjustmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherCompaniesExchangeDifferencesAndConsolidationAdjustmentsMember" xlink:to="lab_san_OtherCompaniesExchangeDifferencesAndConsolidationAdjustmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_country_IT_019ca0fb-c94e-7f53-8cf3-76fd74c046db_terseLabel_en-US" xlink:label="lab_country_IT" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Italy</link:label>
    <link:label id="lab_country_IT_label_en-US" xlink:label="lab_country_IT" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ITALY</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_IT" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_IT"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_IT" xlink:to="lab_country_IT" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherEquityInstrumentsExpectedCostAllocatedToLoyaltyPrograms_019ca0fb-cb6b-7a48-a83b-65c1ab7a9767_terseLabel_en-US" xlink:label="lab_san_OtherEquityInstrumentsExpectedCostAllocatedToLoyaltyPrograms" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Estimated cost of compensation to shareholders and bondholders applied to the commercial loyalty program</link:label>
    <link:label id="lab_san_OtherEquityInstrumentsExpectedCostAllocatedToLoyaltyPrograms_label_en-US" xlink:label="lab_san_OtherEquityInstrumentsExpectedCostAllocatedToLoyaltyPrograms" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Equity Instruments, Expected Cost, Allocated To Loyalty Programs</link:label>
    <link:label id="lab_san_OtherEquityInstrumentsExpectedCostAllocatedToLoyaltyPrograms_documentation_en-US" xlink:label="lab_san_OtherEquityInstrumentsExpectedCostAllocatedToLoyaltyPrograms" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Equity Instruments, Expected Cost, Allocated To Loyalty Programs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherEquityInstrumentsExpectedCostAllocatedToLoyaltyPrograms" xlink:href="san-20251231.xsd#san_OtherEquityInstrumentsExpectedCostAllocatedToLoyaltyPrograms"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherEquityInstrumentsExpectedCostAllocatedToLoyaltyPrograms" xlink:to="lab_san_OtherEquityInstrumentsExpectedCostAllocatedToLoyaltyPrograms" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PaymentOfCivilLiabilityInsurancePremium_019ca0fb-ca4e-7b7a-921d-e798cca6a3ba_terseLabel_en-US" xlink:label="lab_san_PaymentOfCivilLiabilityInsurancePremium" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disbursed for payment of civil liability insurance premium</link:label>
    <link:label id="lab_san_PaymentOfCivilLiabilityInsurancePremium_label_en-US" xlink:label="lab_san_PaymentOfCivilLiabilityInsurancePremium" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payment Of Civil Liability Insurance Premium</link:label>
    <link:label id="lab_san_PaymentOfCivilLiabilityInsurancePremium_documentation_en-US" xlink:label="lab_san_PaymentOfCivilLiabilityInsurancePremium" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The cash outflow for payment of civil liability insurance premium.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PaymentOfCivilLiabilityInsurancePremium" xlink:href="san-20251231.xsd#san_PaymentOfCivilLiabilityInsurancePremium"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PaymentOfCivilLiabilityInsurancePremium" xlink:to="lab_san_PaymentOfCivilLiabilityInsurancePremium" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedBalanceSheetStatementsCaptionsLineItems_019ca0fb-cb6b-7bbf-bf01-e7ce18f9ede1_terseLabel_en-US" xlink:label="lab_srt_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Balance Sheet Statements, Captions [Line Items]</link:label>
    <link:label id="lab_srt_CondensedBalanceSheetStatementsCaptionsLineItems_label_en-US" xlink:label="lab_srt_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Balance Sheet Statements, Captions [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CondensedBalanceSheetStatementsCaptionsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:to="lab_srt_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfLoansAndAdvancesToCustomersExplanatory_019ca0fb-c9cd-74a0-8a34-e4b9817c4cb2_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfLoansAndAdvancesToCustomersExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances to customers</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfLoansAndAdvancesToCustomersExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfLoansAndAdvancesToCustomersExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of loans and advances to customers [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfLoansAndAdvancesToCustomersExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfLoansAndAdvancesToCustomersExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfLoansAndAdvancesToCustomersExplanatory" xlink:to="lab_ifrs-full_DisclosureOfLoansAndAdvancesToCustomersExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssets_019ca0fb-cbee-726b-b32b-bab52bdd6533_totalLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total financial assets</link:label>
    <link:label id="lab_ifrs-full_FinancialAssets_019ca0fb-cbee-7dde-ad17-ad7549242c3d_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets</link:label>
    <link:label id="lab_ifrs-full_FinancialAssets_019ca0fb-cbee-73e9-b0af-21abc0bd6140_negatedPeriodStartLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="resource" xml:lang="en-US">Impairment at beginning of year</link:label>
    <link:label id="lab_ifrs-full_FinancialAssets_019ca0fb-cbee-7e3b-9f42-6bafd23fb4ab_negatedPeriodEndLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="resource" xml:lang="en-US">Impairment at end of year</link:label>
    <link:label id="lab_ifrs-full_FinancialAssets_019ca0fb-cbee-7367-b984-b4a75f499f88_periodStartLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssets" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Financial assets at beginning of period</link:label>
    <link:label id="lab_ifrs-full_FinancialAssets_019ca0fb-cbee-74f2-9c5f-a6d0509925c3_periodEndLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssets" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Financial assets at end of period</link:label>
    <link:label id="lab_ifrs-full_FinancialAssets_019ca0fb-cbee-765a-89d8-c09acc042f63_netLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssets" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Credit impaired loans</link:label>
    <link:label id="lab_ifrs-full_FinancialAssets_019ca0fb-cbee-7a0d-bd1d-a1274374a3bd_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Financial assets</link:label>
    <link:label id="lab_ifrs-full_FinancialAssets_019ca0fb-cbee-7fc5-b3b2-ea931eeaddbb_negatedLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Impairment losses and credit risk allowances. Coverage for unimpaired assets (business in Spain)</link:label>
    <link:label id="lab_ifrs-full_FinancialAssets_label_en-US" xlink:label="lab_ifrs-full_FinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssets" xlink:to="lab_ifrs-full_FinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_A2025ProgramSecondGroupUnderlyingProfitMember_019ca0fb-c94e-7d08-88d9-a2c1d8c113ae_terseLabel_en-US" xlink:label="lab_san_A2025ProgramSecondGroupUnderlyingProfitMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2025 Program, Second, Group Underlying Profit</link:label>
    <link:label id="lab_san_A2025ProgramSecondGroupUnderlyingProfitMember_label_en-US" xlink:label="lab_san_A2025ProgramSecondGroupUnderlyingProfitMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">2025 Program, Second, Group Underlying Profit [Member]</link:label>
    <link:label id="lab_san_A2025ProgramSecondGroupUnderlyingProfitMember_documentation_en-US" xlink:label="lab_san_A2025ProgramSecondGroupUnderlyingProfitMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">2025 Program, Second, Group Underlying Profit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_A2025ProgramSecondGroupUnderlyingProfitMember" xlink:href="san-20251231.xsd#san_A2025ProgramSecondGroupUnderlyingProfitMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_A2025ProgramSecondGroupUnderlyingProfitMember" xlink:to="lab_san_A2025ProgramSecondGroupUnderlyingProfitMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherDisclosuresAbstract_019ca0fb-cbee-76c7-8b85-6c0bedfa7ab1_terseLabel_en-US" xlink:label="lab_san_OtherDisclosuresAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other disclosures</link:label>
    <link:label id="lab_san_OtherDisclosuresAbstract_label_en-US" xlink:label="lab_san_OtherDisclosuresAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Disclosures [Abstract]</link:label>
    <link:label id="lab_san_OtherDisclosuresAbstract_documentation_en-US" xlink:label="lab_san_OtherDisclosuresAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">No definition available.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherDisclosuresAbstract" xlink:href="san-20251231.xsd#san_OtherDisclosuresAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherDisclosuresAbstract" xlink:to="lab_san_OtherDisclosuresAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SaleOfProportionOfOwnershipInterestInSubsidiary_019ca0fb-c9cd-706f-98ac-e6d18fd97abd_terseLabel_en-US" xlink:label="lab_san_SaleOfProportionOfOwnershipInterestInSubsidiary" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sale of proportion of ownership interest in subsidiary</link:label>
    <link:label id="lab_san_SaleOfProportionOfOwnershipInterestInSubsidiary_label_en-US" xlink:label="lab_san_SaleOfProportionOfOwnershipInterestInSubsidiary" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sale Of Proportion Of Ownership Interest In Subsidiary</link:label>
    <link:label id="lab_san_SaleOfProportionOfOwnershipInterestInSubsidiary_documentation_en-US" xlink:label="lab_san_SaleOfProportionOfOwnershipInterestInSubsidiary" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sale Of Proportion Of Ownership Interest In Subsidiary</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SaleOfProportionOfOwnershipInterestInSubsidiary" xlink:href="san-20251231.xsd#san_SaleOfProportionOfOwnershipInterestInSubsidiary"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SaleOfProportionOfOwnershipInterestInSubsidiary" xlink:to="lab_san_SaleOfProportionOfOwnershipInterestInSubsidiary" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ReclassifiedFinancialAssetsFromAmortizedCostMember_019ca0fb-c9cd-738f-bda0-318047737964_terseLabel_en-US" xlink:label="lab_san_ReclassifiedFinancialAssetsFromAmortizedCostMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification of financial assets at amortized cost</link:label>
    <link:label id="lab_san_ReclassifiedFinancialAssetsFromAmortizedCostMember_label_en-US" xlink:label="lab_san_ReclassifiedFinancialAssetsFromAmortizedCostMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassified Financial Assets From Amortized Cost [Member]</link:label>
    <link:label id="lab_san_ReclassifiedFinancialAssetsFromAmortizedCostMember_documentation_en-US" xlink:label="lab_san_ReclassifiedFinancialAssetsFromAmortizedCostMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reclassified Financial Assets From Amortized Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ReclassifiedFinancialAssetsFromAmortizedCostMember" xlink:href="san-20251231.xsd#san_ReclassifiedFinancialAssetsFromAmortizedCostMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ReclassifiedFinancialAssetsFromAmortizedCostMember" xlink:to="lab_san_ReclassifiedFinancialAssetsFromAmortizedCostMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumNumberOfActiveCountries_019ca0fb-cbee-7815-a780-0d3c4dea6a55_terseLabel_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumNumberOfActiveCountries" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum number of active countries with One Common Mobile Experience</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumNumberOfActiveCountries_label_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumNumberOfActiveCountries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, One Common Mobile Experience, Minimum Number Of Active Countries</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumNumberOfActiveCountries_documentation_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumNumberOfActiveCountries" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, One Common Mobile Experience, Minimum Number Of Active Countries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumNumberOfActiveCountries" xlink:href="san-20251231.xsd#san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumNumberOfActiveCountries"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumNumberOfActiveCountries" xlink:to="lab_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumNumberOfActiveCountries" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfInformationAboutAmountsThatAffectedStatementOfComprehensiveIncomeAsResultOfHedgeAccountingExplanatory_019ca0fb-cbee-77ca-8186-22d10c267a12_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfInformationAboutAmountsThatAffectedStatementOfComprehensiveIncomeAsResultOfHedgeAccountingExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of effectiveness of hedging, impacts on profit or loss and other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfInformationAboutAmountsThatAffectedStatementOfComprehensiveIncomeAsResultOfHedgeAccountingExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfInformationAboutAmountsThatAffectedStatementOfComprehensiveIncomeAsResultOfHedgeAccountingExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of information about amounts that affected statement of comprehensive income as result of hedge accounting [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfInformationAboutAmountsThatAffectedStatementOfComprehensiveIncomeAsResultOfHedgeAccountingExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfInformationAboutAmountsThatAffectedStatementOfComprehensiveIncomeAsResultOfHedgeAccountingExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfInformationAboutAmountsThatAffectedStatementOfComprehensiveIncomeAsResultOfHedgeAccountingExplanatory" xlink:to="lab_ifrs-full_DisclosureOfInformationAboutAmountsThatAffectedStatementOfComprehensiveIncomeAsResultOfHedgeAccountingExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019_019ca0fb-cad3-73fd-a489-5f1bb4dc442b_terseLabel_en-US" xlink:label="lab_ifrs-full_WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Options granted (in GBP per share)</link:label>
    <link:label id="lab_ifrs-full_WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019_label_en-US" xlink:label="lab_ifrs-full_WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted average exercise price of share options granted in share-based payment arrangement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019" xlink:to="lab_ifrs-full_WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019" xlink:type="arc" order="1"/>
    <link:label id="lab_country_PL_019ca0fb-cbee-772b-aef0-633676f27af4_terseLabel_en-US" xlink:label="lab_country_PL" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Poland</link:label>
    <link:label id="lab_country_PL_label_en-US" xlink:label="lab_country_PL" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">POLAND</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_PL" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_PL"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_PL" xlink:to="lab_country_PL" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets_019ca0fb-ca4e-7efb-9e69-faef56c7547f_terseLabel_en-US" xlink:label="lab_san_ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision recognised for non-current assets held for sale</link:label>
    <link:label id="lab_san_ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets_label_en-US" xlink:label="lab_san_ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provision Recognised For Non-Current Assets Held For Sale, Tangible Assets</link:label>
    <link:label id="lab_san_ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets_documentation_en-US" xlink:label="lab_san_ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Provision Recognised For Non-Current Assets Held For Sale, Tangible Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets" xlink:href="san-20251231.xsd#san_ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets" xlink:to="lab_san_ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInMay2021Member_019ca0fb-cbee-74ae-8e3a-832befca4ca9_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInMay2021Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance by Banco Santander S.A. in May 2021</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInMay2021Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInMay2021Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In May 2021 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInMay2021Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInMay2021Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In May 2021</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderSAInMay2021Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderSAInMay2021Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderSAInMay2021Member" xlink:to="lab_san_IssuanceByBancoSantanderSAInMay2021Member" xlink:type="arc" order="1"/>
    <link:label id="lab_country_PT_019ca0fb-cbee-7f84-9c4d-92d42e103942_terseLabel_en-US" xlink:label="lab_country_PT" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Portugal</link:label>
    <link:label id="lab_country_PT_label_en-US" xlink:label="lab_country_PT" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PORTUGAL</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_PT" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_PT"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_PT" xlink:to="lab_country_PT" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AverageRateOfHedgingInstrument_019ca0fb-ca4e-7705-889b-bfb9b4b95b75_terseLabel_en-US" xlink:label="lab_ifrs-full_AverageRateOfHedgingInstrument" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average fixed interest rate</link:label>
    <link:label id="lab_ifrs-full_AverageRateOfHedgingInstrument_label_en-US" xlink:label="lab_ifrs-full_AverageRateOfHedgingInstrument" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Average rate of hedging instrument</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AverageRateOfHedgingInstrument" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AverageRateOfHedgingInstrument"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AverageRateOfHedgingInstrument" xlink:to="lab_ifrs-full_AverageRateOfHedgingInstrument" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfContingentLiabilitiesExplanatory_019ca0fb-cb6b-7c20-bc17-67d1d79c00ba_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfContingentLiabilitiesExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of contingent commitments</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfContingentLiabilitiesExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfContingentLiabilitiesExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of contingent liabilities [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfContingentLiabilitiesExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfContingentLiabilitiesExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfContingentLiabilitiesExplanatory" xlink:to="lab_ifrs-full_DisclosureOfContingentLiabilitiesExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CivilEngineeringConstructionLoansMember_019ca0fb-cb6b-772e-89fb-0702c0b51b39_terseLabel_en-US" xlink:label="lab_san_CivilEngineeringConstructionLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Civil engineering construction</link:label>
    <link:label id="lab_san_CivilEngineeringConstructionLoansMember_label_en-US" xlink:label="lab_san_CivilEngineeringConstructionLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Civil Engineering Construction Loans [Member]</link:label>
    <link:label id="lab_san_CivilEngineeringConstructionLoansMember_documentation_en-US" xlink:label="lab_san_CivilEngineeringConstructionLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for civil engineering construction loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CivilEngineeringConstructionLoansMember" xlink:href="san-20251231.xsd#san_CivilEngineeringConstructionLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CivilEngineeringConstructionLoansMember" xlink:to="lab_san_CivilEngineeringConstructionLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsDomain_019ca0fb-cad3-7774-8213-dd4c496fdbe0_terseLabel_en-US" xlink:label="lab_ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurance contracts by remaining coverage and incurred claims [domain]</link:label>
    <link:label id="lab_ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsDomain_label_en-US" xlink:label="lab_ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance contracts by remaining coverage and incurred claims [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsDomain" xlink:to="lab_ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfReconciliationOfProvisionsTableTextBlock_019ca0fb-cad2-7c75-be9c-8532d1ab4f3b_terseLabel_en-US" xlink:label="lab_san_DisclosureOfReconciliationOfProvisionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of details of provisions</link:label>
    <link:label id="lab_san_DisclosureOfReconciliationOfProvisionsTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfReconciliationOfProvisionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Reconciliation Of Provisions [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfReconciliationOfProvisionsTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfReconciliationOfProvisionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Reconciliation Of Provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfReconciliationOfProvisionsTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfReconciliationOfProvisionsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfReconciliationOfProvisionsTableTextBlock" xlink:to="lab_san_DisclosureOfReconciliationOfProvisionsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsDomain_019ca0fb-ca4e-7c80-acc0-2bb73cee87d1_terseLabel_en-US" xlink:label="lab_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Temporary difference, unused tax losses and unused tax credits [domain]</link:label>
    <link:label id="lab_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsDomain_label_en-US" xlink:label="lab_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Temporary difference, unused tax losses and unused tax credits [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsDomain" xlink:to="lab_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LegalCaseRelatingToDeductionOfExpensesInIncomeTaxMember_019ca0fb-cbee-7b41-b39a-a8e6b7740cee_terseLabel_en-US" xlink:label="lab_san_LegalCaseRelatingToDeductionOfExpensesInIncomeTaxMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal case relating to deduction of expenses in income tax</link:label>
    <link:label id="lab_san_LegalCaseRelatingToDeductionOfExpensesInIncomeTaxMember_label_en-US" xlink:label="lab_san_LegalCaseRelatingToDeductionOfExpensesInIncomeTaxMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal Case Relating To Deduction Of Expenses In Income Tax [Member]</link:label>
    <link:label id="lab_san_LegalCaseRelatingToDeductionOfExpensesInIncomeTaxMember_documentation_en-US" xlink:label="lab_san_LegalCaseRelatingToDeductionOfExpensesInIncomeTaxMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Legal Case Relating To Deduction Of Expenses In Income Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LegalCaseRelatingToDeductionOfExpensesInIncomeTaxMember" xlink:href="san-20251231.xsd#san_LegalCaseRelatingToDeductionOfExpensesInIncomeTaxMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LegalCaseRelatingToDeductionOfExpensesInIncomeTaxMember" xlink:to="lab_san_LegalCaseRelatingToDeductionOfExpensesInIncomeTaxMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AccumulatedDepreciationAndAmortisationMember_019ca0fb-c9cd-7817-819a-79d792d54282_terseLabel_en-US" xlink:label="lab_ifrs-full_AccumulatedDepreciationAndAmortisationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated depreciation</link:label>
    <link:label id="lab_ifrs-full_AccumulatedDepreciationAndAmortisationMember_label_en-US" xlink:label="lab_ifrs-full_AccumulatedDepreciationAndAmortisationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated depreciation and amortisation [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AccumulatedDepreciationAndAmortisationMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AccumulatedDepreciationAndAmortisationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AccumulatedDepreciationAndAmortisationMember" xlink:to="lab_ifrs-full_AccumulatedDepreciationAndAmortisationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2025Member_019ca0fb-c94e-7519-9f48-183f3f996ce1_terseLabel_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2025Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2025 variable remuneration</link:label>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2025Member_label_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2025Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Based Variable Remuneration Award 2025 [Member]</link:label>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2025Member_documentation_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2025Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share Based Variable Remuneration Award 2025</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ShareBasedVariableRemunerationAward2025Member" xlink:href="san-20251231.xsd#san_ShareBasedVariableRemunerationAward2025Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ShareBasedVariableRemunerationAward2025Member" xlink:to="lab_san_ShareBasedVariableRemunerationAward2025Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary_019ca0fb-c94e-7aea-b688-e2c6ad66dba0_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation received as representative from subsidiary</link:label>
    <link:label id="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary_label_en-US" xlink:label="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Directors Compensation Received From Subsidiary</link:label>
    <link:label id="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of director's compensation received by a related party of the reporting entity from a subsidiary of the reporting entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary" xlink:to="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments_019ca0fb-cad3-7328-bced-67dfd3d8a934_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Conversion of financial liabilities into equity</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) through conversion of convertible instruments, equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EVERiskConcentrationMember_019ca0fb-c9cd-7d7c-8fc8-1b42ba198aa2_terseLabel_en-US" xlink:label="lab_san_EVERiskConcentrationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">EVE risk concentration</link:label>
    <link:label id="lab_san_EVERiskConcentrationMember_label_en-US" xlink:label="lab_san_EVERiskConcentrationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">EVE Risk Concentration [Member]</link:label>
    <link:label id="lab_san_EVERiskConcentrationMember_documentation_en-US" xlink:label="lab_san_EVERiskConcentrationMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">EVE Risk Concentration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EVERiskConcentrationMember" xlink:href="san-20251231.xsd#san_EVERiskConcentrationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EVERiskConcentrationMember" xlink:to="lab_san_EVERiskConcentrationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseInCreditRiskWithCustomersPercent_019ca0fb-cb6b-7336-9a10-f6575dfb9eb9_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseInCreditRiskWithCustomersPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) in credit risk (in percentage)</link:label>
    <link:label id="lab_san_IncreaseDecreaseInCreditRiskWithCustomersPercent_label_en-US" xlink:label="lab_san_IncreaseDecreaseInCreditRiskWithCustomersPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Credit Risk With Customers, Percent</link:label>
    <link:label id="lab_san_IncreaseDecreaseInCreditRiskWithCustomersPercent_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseInCreditRiskWithCustomersPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage increase in credit risk with customers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseInCreditRiskWithCustomersPercent" xlink:href="san-20251231.xsd#san_IncreaseDecreaseInCreditRiskWithCustomersPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseInCreditRiskWithCustomersPercent" xlink:to="lab_san_IncreaseDecreaseInCreditRiskWithCustomersPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember_019ca0fb-cbee-705b-8200-cd5fb4cffb6e_verboseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">2027</link:label>
    <link:label id="lab_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember_019ca0fb-cbee-7426-b9e8-2631a92a3588_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">1 to 2 years</link:label>
    <link:label id="lab_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Later than one year and not later than two years [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember" xlink:to="lab_ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAndFinancialAssetsAtAmortisedCostMember_019ca0fb-c9cd-71b8-9dae-2842d33066da_terseLabel_en-US" xlink:label="lab_san_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAndFinancialAssetsAtAmortisedCostMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through other comprehensive income and financial assets at amortised cost</link:label>
    <link:label id="lab_san_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAndFinancialAssetsAtAmortisedCostMember_label_en-US" xlink:label="lab_san_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAndFinancialAssetsAtAmortisedCostMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Assets At Fair Value Through Other Comprehensive Income And Financial Assets At Amortised Cost [Member]</link:label>
    <link:label id="lab_san_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAndFinancialAssetsAtAmortisedCostMember_documentation_en-US" xlink:label="lab_san_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAndFinancialAssetsAtAmortisedCostMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to the categories, combined, of financial assets at fair value through other comprehensive income and financial assets at amortised cost.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAndFinancialAssetsAtAmortisedCostMember" xlink:href="san-20251231.xsd#san_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAndFinancialAssetsAtAmortisedCostMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAndFinancialAssetsAtAmortisedCostMember" xlink:to="lab_san_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAndFinancialAssetsAtAmortisedCostMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DesignatedAndNotDesignatedItemsAxis_019ca0fb-c94e-7e00-a65b-10d69358b98e_terseLabel_en-US" xlink:label="lab_san_DesignatedAndNotDesignatedItemsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Designated And Undesignated Items [Axis]</link:label>
    <link:label id="lab_san_DesignatedAndNotDesignatedItemsAxis_label_en-US" xlink:label="lab_san_DesignatedAndNotDesignatedItemsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Designated And Not Designated Items [Axis]</link:label>
    <link:label id="lab_san_DesignatedAndNotDesignatedItemsAxis_documentation_en-US" xlink:label="lab_san_DesignatedAndNotDesignatedItemsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Designated And Not Designated Items</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DesignatedAndNotDesignatedItemsAxis" xlink:href="san-20251231.xsd#san_DesignatedAndNotDesignatedItemsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DesignatedAndNotDesignatedItemsAxis" xlink:to="lab_san_DesignatedAndNotDesignatedItemsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate_019ca0fb-cb6b-755e-b65b-cdd9db298d1b_negatedTerseLabel_en-US" xlink:label="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Shares delivered (immediate payment variable remuneration) (in shares)</link:label>
    <link:label id="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate_label_en-US" xlink:label="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Shares Earned In Share-Based Payment Arrangement, Immediate</link:label>
    <link:label id="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate_documentation_en-US" xlink:label="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of shares earned in a share-based payment arrangement not subject to multiannual objectives.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate" xlink:href="san-20251231.xsd#san_NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate" xlink:to="lab_san_NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfChangesInBalanceOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock_019ca0fb-cc70-7608-aaea-7a34d46b03c1_terseLabel_en-US" xlink:label="lab_san_DisclosureOfChangesInBalanceOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of changes in the impairment losses for loans and advances to customers</link:label>
    <link:label id="lab_san_DisclosureOfChangesInBalanceOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfChangesInBalanceOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Changes In The Balance Of Impairment Loss And Allowance For Loans And Advances To Customers [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfChangesInBalanceOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfChangesInBalanceOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of changes in balance of impairment loss allowance for loans and advances to customers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfChangesInBalanceOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfChangesInBalanceOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfChangesInBalanceOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock" xlink:to="lab_san_DisclosureOfChangesInBalanceOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CorporateLoansToSMEsAndIndividualEntrepreneursMember_019ca0fb-cad3-79de-bccb-13b1aca63ecf_terseLabel_en-US" xlink:label="lab_san_CorporateLoansToSMEsAndIndividualEntrepreneursMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SMEs and individual entrepreneurs</link:label>
    <link:label id="lab_san_CorporateLoansToSMEsAndIndividualEntrepreneursMember_label_en-US" xlink:label="lab_san_CorporateLoansToSMEsAndIndividualEntrepreneursMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Corporate Loans To SMEs And Individual Entrepreneurs [Member]</link:label>
    <link:label id="lab_san_CorporateLoansToSMEsAndIndividualEntrepreneursMember_documentation_en-US" xlink:label="lab_san_CorporateLoansToSMEsAndIndividualEntrepreneursMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for corporate loans made to SMEs and individual entrepreneurs.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CorporateLoansToSMEsAndIndividualEntrepreneursMember" xlink:href="san-20251231.xsd#san_CorporateLoansToSMEsAndIndividualEntrepreneursMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CorporateLoansToSMEsAndIndividualEntrepreneursMember" xlink:to="lab_san_CorporateLoansToSMEsAndIndividualEntrepreneursMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DescriptionOfAccountingPolicyForIncomeAndExpensePolicyPolicyTextBlock_019ca0fb-ca4e-7ce7-b59a-cb58d55de013_terseLabel_en-US" xlink:label="lab_san_DescriptionOfAccountingPolicyForIncomeAndExpensePolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Recognition of income and expenses</link:label>
    <link:label id="lab_san_DescriptionOfAccountingPolicyForIncomeAndExpensePolicyPolicyTextBlock_label_en-US" xlink:label="lab_san_DescriptionOfAccountingPolicyForIncomeAndExpensePolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description Of Accounting Policy For Income And Expense, Policy [Policy Text Block]</link:label>
    <link:label id="lab_san_DescriptionOfAccountingPolicyForIncomeAndExpensePolicyPolicyTextBlock_documentation_en-US" xlink:label="lab_san_DescriptionOfAccountingPolicyForIncomeAndExpensePolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The description of the entity's accounting policy for income and expenses.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DescriptionOfAccountingPolicyForIncomeAndExpensePolicyPolicyTextBlock" xlink:href="san-20251231.xsd#san_DescriptionOfAccountingPolicyForIncomeAndExpensePolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DescriptionOfAccountingPolicyForIncomeAndExpensePolicyPolicyTextBlock" xlink:to="lab_san_DescriptionOfAccountingPolicyForIncomeAndExpensePolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InternalCreditGradesDomain_019ca0fb-c9cd-77bb-8ddb-e101251a90bf_terseLabel_en-US" xlink:label="lab_ifrs-full_InternalCreditGradesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Internal credit grades [domain]</link:label>
    <link:label id="lab_ifrs-full_InternalCreditGradesDomain_label_en-US" xlink:label="lab_ifrs-full_InternalCreditGradesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Internal credit grades [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InternalCreditGradesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InternalCreditGradesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InternalCreditGradesDomain" xlink:to="lab_ifrs-full_InternalCreditGradesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableRemunerationMaximumNumberOfBeneficiaries_019ca0fb-cbee-7be0-a3b5-eb5dd35fbafe_terseLabel_en-US" xlink:label="lab_san_DeferredVariableRemunerationMaximumNumberOfBeneficiaries" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum number of beneficiaries</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMaximumNumberOfBeneficiaries_label_en-US" xlink:label="lab_san_DeferredVariableRemunerationMaximumNumberOfBeneficiaries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Maximum Number Of Beneficiaries</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMaximumNumberOfBeneficiaries_documentation_en-US" xlink:label="lab_san_DeferredVariableRemunerationMaximumNumberOfBeneficiaries" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Maximum Number Of Beneficiaries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableRemunerationMaximumNumberOfBeneficiaries" xlink:href="san-20251231.xsd#san_DeferredVariableRemunerationMaximumNumberOfBeneficiaries"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableRemunerationMaximumNumberOfBeneficiaries" xlink:to="lab_san_DeferredVariableRemunerationMaximumNumberOfBeneficiaries" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2022Member_019ca0fb-cc70-7f92-8047-f4b936f6f311_terseLabel_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2022Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2022 variable remuneration</link:label>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2022Member_label_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2022Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Based Variable Remuneration Award 2022 [Member]</link:label>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2022Member_documentation_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2022Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share Based Variable Remuneration Award 2022</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ShareBasedVariableRemunerationAward2022Member" xlink:href="san-20251231.xsd#san_ShareBasedVariableRemunerationAward2022Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ShareBasedVariableRemunerationAward2022Member" xlink:to="lab_san_ShareBasedVariableRemunerationAward2022Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DepreciationAndAmortisationExpense_019ca0fb-cc70-7dd2-b2e7-d0d3ec87ab4e_negatedLabel_en-US" xlink:label="lab_ifrs-full_DepreciationAndAmortisationExpense" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Depreciation and amortisation cost</link:label>
    <link:label id="lab_ifrs-full_DepreciationAndAmortisationExpense_label_en-US" xlink:label="lab_ifrs-full_DepreciationAndAmortisationExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Depreciation and amortisation expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DepreciationAndAmortisationExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DepreciationAndAmortisationExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DepreciationAndAmortisationExpense" xlink:to="lab_ifrs-full_DepreciationAndAmortisationExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset_019ca0fb-cad3-7d4a-82aa-cdc02246545f_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Benefits paid</link:label>
    <link:label id="lab_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset_019ca0fb-cad3-7b23-84dd-0f57fb76268c_verboseLabel_en-US" xlink:label="lab_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Benefits paid</link:label>
    <link:label id="lab_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from payments from plan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RamiroMatoGarcaAnsorenaMember_019ca0fb-c9cd-7cf5-97af-ccc786c5c879_terseLabel_en-US" xlink:label="lab_san_RamiroMatoGarcaAnsorenaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ramiro Mato</link:label>
    <link:label id="lab_san_RamiroMatoGarcaAnsorenaMember_019ca0fb-c9cd-718a-af2b-b42e712cfac0_verboseLabel_en-US" xlink:label="lab_san_RamiroMatoGarcaAnsorenaMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Ramiro Mato</link:label>
    <link:label id="lab_san_RamiroMatoGarcaAnsorenaMember_label_en-US" xlink:label="lab_san_RamiroMatoGarcaAnsorenaMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Ramiro Mato Garca Ansorena [Member]</link:label>
    <link:label id="lab_san_RamiroMatoGarcaAnsorenaMember_documentation_en-US" xlink:label="lab_san_RamiroMatoGarcaAnsorenaMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The member that represents an individual key personnel named Ramiro Mato Garca Ansorena.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RamiroMatoGarcaAnsorenaMember" xlink:href="san-20251231.xsd#san_RamiroMatoGarcaAnsorenaMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RamiroMatoGarcaAnsorenaMember" xlink:to="lab_san_RamiroMatoGarcaAnsorenaMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision_019ca0fb-ca4d-7f2c-a2c9-966122069014_terseLabel_en-US" xlink:label="lab_san_InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Excess IRB provision on PE</link:label>
    <link:label id="lab_san_InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision_label_en-US" xlink:label="lab_san_InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Institutional Review Board, General Funds And Surplus Loans Loss Provision</link:label>
    <link:label id="lab_san_InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision_documentation_en-US" xlink:label="lab_san_InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of general fund and surplus loans loss provision as specified by institutional review board.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision" xlink:href="san-20251231.xsd#san_InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision" xlink:to="lab_san_InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ExternalCreditGradesDomain_019ca0fb-c9cd-7283-bf49-9327c8420156_terseLabel_en-US" xlink:label="lab_ifrs-full_ExternalCreditGradesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">External credit grades [domain]</link:label>
    <link:label id="lab_ifrs-full_ExternalCreditGradesDomain_label_en-US" xlink:label="lab_ifrs-full_ExternalCreditGradesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">External credit grades [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ExternalCreditGradesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ExternalCreditGradesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ExternalCreditGradesDomain" xlink:to="lab_ifrs-full_ExternalCreditGradesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MonetizableTaxAssetsMember_019ca0fb-ca4e-7c0f-9fc7-38ef3b89e8c0_terseLabel_en-US" xlink:label="lab_san_MonetizableTaxAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Monetizable</link:label>
    <link:label id="lab_san_MonetizableTaxAssetsMember_label_en-US" xlink:label="lab_san_MonetizableTaxAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Monetizable Tax Assets [Member]</link:label>
    <link:label id="lab_san_MonetizableTaxAssetsMember_documentation_en-US" xlink:label="lab_san_MonetizableTaxAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for deferred tax assets that may be considered regulatory capital.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MonetizableTaxAssetsMember" xlink:href="san-20251231.xsd#san_MonetizableTaxAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MonetizableTaxAssetsMember" xlink:to="lab_san_MonetizableTaxAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CategoriesOfFinancialAssetsDomain_019ca0fb-cb6b-7be2-a872-1dbb3f0423f4_terseLabel_en-US" xlink:label="lab_ifrs-full_CategoriesOfFinancialAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Categories of financial assets [domain]</link:label>
    <link:label id="lab_ifrs-full_CategoriesOfFinancialAssetsDomain_label_en-US" xlink:label="lab_ifrs-full_CategoriesOfFinancialAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Categories of financial assets [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CategoriesOfFinancialAssetsDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CategoriesOfFinancialAssetsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CategoriesOfFinancialAssetsDomain" xlink:to="lab_ifrs-full_CategoriesOfFinancialAssetsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfDividendsExplanatory_019ca0fb-ca4e-704c-bb32-0913731113a5_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfDividendsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividend income</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfDividendsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfDividendsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of dividends [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfDividendsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfDividendsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfDividendsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfDividendsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IndividualPlaintiffCEOFunctionsMember_019ca0fb-cad3-7017-ac37-77e69df265ef_terseLabel_en-US" xlink:label="lab_san_IndividualPlaintiffCEOFunctionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Individual plaintiff, CEO functions</link:label>
    <link:label id="lab_san_IndividualPlaintiffCEOFunctionsMember_label_en-US" xlink:label="lab_san_IndividualPlaintiffCEOFunctionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Individual Plaintiff, CEO Functions [Member]</link:label>
    <link:label id="lab_san_IndividualPlaintiffCEOFunctionsMember_documentation_en-US" xlink:label="lab_san_IndividualPlaintiffCEOFunctionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Individual Plaintiff, CEO Functions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IndividualPlaintiffCEOFunctionsMember" xlink:href="san-20251231.xsd#san_IndividualPlaintiffCEOFunctionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IndividualPlaintiffCEOFunctionsMember" xlink:to="lab_san_IndividualPlaintiffCEOFunctionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet_019ca0fb-ca4e-7f60-8e2b-783041edc49d_terseLabel_en-US" xlink:label="lab_san_AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net additions (disposals)</link:label>
    <link:label id="lab_san_AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet_label_en-US" xlink:label="lab_san_AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additions (Disposals) Of Financial Assets At Fair Value Through Other Comprehensive Income, Net</link:label>
    <link:label id="lab_san_AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet_documentation_en-US" xlink:label="lab_san_AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The net increase (decrease) in available-for-sale financial assets resulting from additions and (disposals) of those assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet" xlink:href="san-20251231.xsd#san_AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet" xlink:to="lab_san_AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesInterestMember_019ca0fb-c94e-7877-b0e7-fde7b98d7b01_terseLabel_en-US" xlink:label="lab_san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesInterestMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision For Compensation And Associated Cost In Respect Of PPI Policies, Interest</link:label>
    <link:label id="lab_san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesInterestMember_label_en-US" xlink:label="lab_san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesInterestMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provision For Compensation And Associated Cost In Respect Of PPI Policies, Interest [Member]</link:label>
    <link:label id="lab_san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesInterestMember_documentation_en-US" xlink:label="lab_san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesInterestMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Provision For Compensation And Associated Cost In Respect Of PPI Policies, Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesInterestMember" xlink:href="san-20251231.xsd#san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesInterestMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesInterestMember" xlink:to="lab_san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesInterestMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BasisOfConsolidationPolicyPolicyTextBlock_019ca0fb-cb6b-737a-bc98-cab25604b643_terseLabel_en-US" xlink:label="lab_san_BasisOfConsolidationPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basis of consolidation</link:label>
    <link:label id="lab_san_BasisOfConsolidationPolicyPolicyTextBlock_label_en-US" xlink:label="lab_san_BasisOfConsolidationPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Basis of Consolidation, Policy [Policy Text Block]</link:label>
    <link:label id="lab_san_BasisOfConsolidationPolicyPolicyTextBlock_documentation_en-US" xlink:label="lab_san_BasisOfConsolidationPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of accounting policy regarding basis of consolidation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BasisOfConsolidationPolicyPolicyTextBlock" xlink:href="san-20251231.xsd#san_BasisOfConsolidationPolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BasisOfConsolidationPolicyPolicyTextBlock" xlink:to="lab_san_BasisOfConsolidationPolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForeignCurrencyRisksAbstract_019ca0fb-cad3-7150-825d-ba8befcd0a32_terseLabel_en-US" xlink:label="lab_san_ForeignCurrencyRisksAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sensitivity of consolidated profit and consolidated equity</link:label>
    <link:label id="lab_san_ForeignCurrencyRisksAbstract_label_en-US" xlink:label="lab_san_ForeignCurrencyRisksAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign Currency Risks [Abstract]</link:label>
    <link:label id="lab_san_ForeignCurrencyRisksAbstract_documentation_en-US" xlink:label="lab_san_ForeignCurrencyRisksAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">No definition available.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForeignCurrencyRisksAbstract" xlink:href="san-20251231.xsd#san_ForeignCurrencyRisksAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForeignCurrencyRisksAbstract" xlink:to="lab_san_ForeignCurrencyRisksAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ExchangeDifferencesAndOtherMovements_019ca0fb-ca4e-7a6f-bc0b-dc88c7cdf1bb_terseLabel_en-US" xlink:label="lab_san_ExchangeDifferencesAndOtherMovements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchange differences and other movements</link:label>
    <link:label id="lab_san_ExchangeDifferencesAndOtherMovements_label_en-US" xlink:label="lab_san_ExchangeDifferencesAndOtherMovements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Exchange Differences And Other Movements</link:label>
    <link:label id="lab_san_ExchangeDifferencesAndOtherMovements_documentation_en-US" xlink:label="lab_san_ExchangeDifferencesAndOtherMovements" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) in the fair value measurement of liabilities resulting from exchange differences and other movements.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ExchangeDifferencesAndOtherMovements" xlink:href="san-20251231.xsd#san_ExchangeDifferencesAndOtherMovements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ExchangeDifferencesAndOtherMovements" xlink:to="lab_san_ExchangeDifferencesAndOtherMovements" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.Member_019ca0fb-cad3-7f9a-8053-c98e25d49c15_terseLabel_en-US" xlink:label="lab_san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Towarzystwo Funduszy Inwestycyjnych S.A.</link:label>
    <link:label id="lab_san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.Member_label_en-US" xlink:label="lab_san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Towarzystwo Funduszy Inwestycyjnych S.A. [Member]</link:label>
    <link:label id="lab_san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.Member_documentation_en-US" xlink:label="lab_san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Towarzystwo Funduszy Inwestycyjnych S.A.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.Member" xlink:href="san-20251231.xsd#san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.Member" xlink:to="lab_san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfExchangeDifferencesNetTableTextBlock_019ca0fb-cb6b-712b-a1cc-294442f45cf9_terseLabel_en-US" xlink:label="lab_san_DisclosureOfExchangeDifferencesNetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of exchange differences, net</link:label>
    <link:label id="lab_san_DisclosureOfExchangeDifferencesNetTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfExchangeDifferencesNetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Exchange Differences, Net [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfExchangeDifferencesNetTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfExchangeDifferencesNetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of exchange differences, net.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfExchangeDifferencesNetTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfExchangeDifferencesNetTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfExchangeDifferencesNetTableTextBlock" xlink:to="lab_san_DisclosureOfExchangeDifferencesNetTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DescriptionOfAccountingPolicyForBasisOfPresentationPolicyTextBlock_019ca0fb-cad3-719c-9e99-92339dc31d49_terseLabel_en-US" xlink:label="lab_san_DescriptionOfAccountingPolicyForBasisOfPresentationPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basis of presentation of the consolidated financial statements</link:label>
    <link:label id="lab_san_DescriptionOfAccountingPolicyForBasisOfPresentationPolicyTextBlock_label_en-US" xlink:label="lab_san_DescriptionOfAccountingPolicyForBasisOfPresentationPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description Of Accounting Policy For Basis Of Presentation [Policy Text Block]</link:label>
    <link:label id="lab_san_DescriptionOfAccountingPolicyForBasisOfPresentationPolicyTextBlock_documentation_en-US" xlink:label="lab_san_DescriptionOfAccountingPolicyForBasisOfPresentationPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Description Of Accounting Policy For Basis Of Presentation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DescriptionOfAccountingPolicyForBasisOfPresentationPolicyTextBlock" xlink:href="san-20251231.xsd#san_DescriptionOfAccountingPolicyForBasisOfPresentationPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DescriptionOfAccountingPolicyForBasisOfPresentationPolicyTextBlock" xlink:to="lab_san_DescriptionOfAccountingPolicyForBasisOfPresentationPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LiabilityAssetOfDefinedBenefitPlans_019ca0fb-ca4e-73f4-af2e-bd828c5ef78a_periodStartLabel_en-US" xlink:label="lab_ifrs-full_LiabilityAssetOfDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Net defined benefit liability (asset) at beginning of period</link:label>
    <link:label id="lab_ifrs-full_LiabilityAssetOfDefinedBenefitPlans_019ca0fb-ca4e-768f-93ac-214a9c9888bc_periodEndLabel_en-US" xlink:label="lab_ifrs-full_LiabilityAssetOfDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Net defined benefit liability (asset) at end of period</link:label>
    <link:label id="lab_ifrs-full_LiabilityAssetOfDefinedBenefitPlans_019ca0fb-ca4e-7430-b84d-4dcb25125bb8_negatedPeriodStartLabel_en-US" xlink:label="lab_ifrs-full_LiabilityAssetOfDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="resource" xml:lang="en-US">Fair value of plan assets at beginning of year</link:label>
    <link:label id="lab_ifrs-full_LiabilityAssetOfDefinedBenefitPlans_019ca0fb-ca4e-74a7-bd0e-78fc521decda_negatedPeriodEndLabel_en-US" xlink:label="lab_ifrs-full_LiabilityAssetOfDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="resource" xml:lang="en-US">Fair value of plan assets at end of year</link:label>
    <link:label id="lab_ifrs-full_LiabilityAssetOfDefinedBenefitPlans_label_en-US" xlink:label="lab_ifrs-full_LiabilityAssetOfDefinedBenefitPlans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net defined benefit liability (asset)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LiabilityAssetOfDefinedBenefitPlans" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LiabilityAssetOfDefinedBenefitPlans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LiabilityAssetOfDefinedBenefitPlans" xlink:to="lab_ifrs-full_LiabilityAssetOfDefinedBenefitPlans" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialInstrumentsNotCreditimpairedMember_019ca0fb-cbee-74ea-aad7-05fc0a395925_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialInstrumentsNotCreditimpairedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial instruments not credit-impaired</link:label>
    <link:label id="lab_ifrs-full_FinancialInstrumentsNotCreditimpairedMember_label_en-US" xlink:label="lab_ifrs-full_FinancialInstrumentsNotCreditimpairedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial instruments not credit-impaired [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialInstrumentsNotCreditimpairedMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialInstrumentsNotCreditimpairedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialInstrumentsNotCreditimpairedMember" xlink:to="lab_ifrs-full_FinancialInstrumentsNotCreditimpairedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LegalCaseRelatedToWithholdingIncomeTaxOnPaymentsDerivedFromTechnologyServicesMember_019ca0fb-cad3-7eee-82a7-cfdada904768_terseLabel_en-US" xlink:label="lab_san_LegalCaseRelatedToWithholdingIncomeTaxOnPaymentsDerivedFromTechnologyServicesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal case related to withholding income tax on payments derived from technology services</link:label>
    <link:label id="lab_san_LegalCaseRelatedToWithholdingIncomeTaxOnPaymentsDerivedFromTechnologyServicesMember_label_en-US" xlink:label="lab_san_LegalCaseRelatedToWithholdingIncomeTaxOnPaymentsDerivedFromTechnologyServicesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal Case Related To Withholding Income Tax On Payments Derived From Technology Services [Member]</link:label>
    <link:label id="lab_san_LegalCaseRelatedToWithholdingIncomeTaxOnPaymentsDerivedFromTechnologyServicesMember_documentation_en-US" xlink:label="lab_san_LegalCaseRelatedToWithholdingIncomeTaxOnPaymentsDerivedFromTechnologyServicesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Legal Case Related To Withholding Income Tax On Payments Derived From Technology Services</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LegalCaseRelatedToWithholdingIncomeTaxOnPaymentsDerivedFromTechnologyServicesMember" xlink:href="san-20251231.xsd#san_LegalCaseRelatedToWithholdingIncomeTaxOnPaymentsDerivedFromTechnologyServicesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LegalCaseRelatedToWithholdingIncomeTaxOnPaymentsDerivedFromTechnologyServicesMember" xlink:to="lab_san_LegalCaseRelatedToWithholdingIncomeTaxOnPaymentsDerivedFromTechnologyServicesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FortuneAutoFinanceCoLtdMember_019ca0fb-c94e-7e50-a061-1f855934ac3d_terseLabel_en-US" xlink:label="lab_san_FortuneAutoFinanceCoLtdMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fortune Auto Finance Co., Ltd</link:label>
    <link:label id="lab_san_FortuneAutoFinanceCoLtdMember_label_en-US" xlink:label="lab_san_FortuneAutoFinanceCoLtdMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fortune Auto Finance Co., Ltd [Member]</link:label>
    <link:label id="lab_san_FortuneAutoFinanceCoLtdMember_documentation_en-US" xlink:label="lab_san_FortuneAutoFinanceCoLtdMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fortune Auto Finance Co., Ltd</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FortuneAutoFinanceCoLtdMember" xlink:href="san-20251231.xsd#san_FortuneAutoFinanceCoLtdMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FortuneAutoFinanceCoLtdMember" xlink:to="lab_san_FortuneAutoFinanceCoLtdMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CancellationOfTreasuryShares_019ca0fb-c94e-7ca1-83f4-9de982cf40d4_terseLabel_en-US" xlink:label="lab_ifrs-full_CancellationOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disposal of equity instruments</link:label>
    <link:label id="lab_ifrs-full_CancellationOfTreasuryShares_label_en-US" xlink:label="lab_ifrs-full_CancellationOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cancellation of treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CancellationOfTreasuryShares" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CancellationOfTreasuryShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CancellationOfTreasuryShares" xlink:to="lab_ifrs-full_CancellationOfTreasuryShares" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SurplusDeficitInPlan_019ca0fb-cb6b-7cc1-9c8a-0289a6351699_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_SurplusDeficitInPlan" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Provisions - Provisions for pensions</link:label>
    <link:label id="lab_ifrs-full_SurplusDeficitInPlan_019ca0fb-cb6b-78e2-95c8-9a37f7f63827_negatedTotalLabel_en-US" xlink:label="lab_ifrs-full_SurplusDeficitInPlan" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Provisions - Provisions for pensions</link:label>
    <link:label id="lab_ifrs-full_SurplusDeficitInPlan_label_en-US" xlink:label="lab_ifrs-full_SurplusDeficitInPlan" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Surplus (deficit) in plan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SurplusDeficitInPlan" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SurplusDeficitInPlan"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SurplusDeficitInPlan" xlink:to="lab_ifrs-full_SurplusDeficitInPlan" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeFinancialGuarantees_019ca0fb-cad3-7b2c-8939-a6fe3acefd75_terseLabel_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeFinancialGuarantees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitments and financial guarantees</link:label>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeFinancialGuarantees_label_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeFinancialGuarantees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Fee And Commission Income, Financial Guarantees</link:label>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeFinancialGuarantees_documentation_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeFinancialGuarantees" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of other fee and commission income from financial guarantees.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherFeeAndCommissionIncomeFinancialGuarantees" xlink:href="san-20251231.xsd#san_OtherFeeAndCommissionIncomeFinancialGuarantees"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherFeeAndCommissionIncomeFinancialGuarantees" xlink:to="lab_san_OtherFeeAndCommissionIncomeFinancialGuarantees" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SensitivityAnalysisVariableDomain_019ca0fb-cb6b-7a70-a2b7-570a8a707dff_terseLabel_en-US" xlink:label="lab_san_SensitivityAnalysisVariableDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis Variable [Domain]</link:label>
    <link:label id="lab_san_SensitivityAnalysisVariableDomain_label_en-US" xlink:label="lab_san_SensitivityAnalysisVariableDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis Variable [Domain]</link:label>
    <link:label id="lab_san_SensitivityAnalysisVariableDomain_documentation_en-US" xlink:label="lab_san_SensitivityAnalysisVariableDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for aggregate of different variable assumptions used for sensitivity analysis.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SensitivityAnalysisVariableDomain" xlink:href="san-20251231.xsd#san_SensitivityAnalysisVariableDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SensitivityAnalysisVariableDomain" xlink:to="lab_san_SensitivityAnalysisVariableDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PurchaseOfTreasuryShares_019ca0fb-c9cd-73a1-bff8-3762fa590681_negatedLabel_en-US" xlink:label="lab_ifrs-full_PurchaseOfTreasuryShares" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Purchase of equity instruments</link:label>
    <link:label id="lab_ifrs-full_PurchaseOfTreasuryShares_label_en-US" xlink:label="lab_ifrs-full_PurchaseOfTreasuryShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Purchase of treasury shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PurchaseOfTreasuryShares" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PurchaseOfTreasuryShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PurchaseOfTreasuryShares" xlink:to="lab_ifrs-full_PurchaseOfTreasuryShares" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_HedgingInstrumentLiabilities_019ca0fb-cbee-700f-ac08-ca3d89c80eb8_terseLabel_en-US" xlink:label="lab_ifrs-full_HedgingInstrumentLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying amount - liabilities</link:label>
    <link:label id="lab_ifrs-full_HedgingInstrumentLiabilities_label_en-US" xlink:label="lab_ifrs-full_HedgingInstrumentLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging instrument, liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_HedgingInstrumentLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_HedgingInstrumentLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_HedgingInstrumentLiabilities" xlink:to="lab_ifrs-full_HedgingInstrumentLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PercentageOfVotingEquityInterestsAcquired_019ca0fb-cb6b-78b6-b4d6-ff29219a24b3_terseLabel_en-US" xlink:label="lab_ifrs-full_PercentageOfVotingEquityInterestsAcquired" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of voting equity interests acquired</link:label>
    <link:label id="lab_ifrs-full_PercentageOfVotingEquityInterestsAcquired_label_en-US" xlink:label="lab_ifrs-full_PercentageOfVotingEquityInterestsAcquired" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage of voting equity interests acquired</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PercentageOfVotingEquityInterestsAcquired" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PercentageOfVotingEquityInterestsAcquired"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PercentageOfVotingEquityInterestsAcquired" xlink:to="lab_ifrs-full_PercentageOfVotingEquityInterestsAcquired" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PayablesOnSocialSecurityAndTaxesOtherThanIncomeTax_019ca0fb-cb6b-760c-8a67-d72064420261_terseLabel_en-US" xlink:label="lab_ifrs-full_PayablesOnSocialSecurityAndTaxesOtherThanIncomeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Public Institutions</link:label>
    <link:label id="lab_ifrs-full_PayablesOnSocialSecurityAndTaxesOtherThanIncomeTax_label_en-US" xlink:label="lab_ifrs-full_PayablesOnSocialSecurityAndTaxesOtherThanIncomeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payables on social security and taxes other than income tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PayablesOnSocialSecurityAndTaxesOtherThanIncomeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PayablesOnSocialSecurityAndTaxesOtherThanIncomeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PayablesOnSocialSecurityAndTaxesOtherThanIncomeTax" xlink:to="lab_ifrs-full_PayablesOnSocialSecurityAndTaxesOtherThanIncomeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BNPParibasMember_019ca0fb-ca4e-7971-a089-9732b0a4a8a3_terseLabel_en-US" xlink:label="lab_san_BNPParibasMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">BNP Paribas</link:label>
    <link:label id="lab_san_BNPParibasMember_label_en-US" xlink:label="lab_san_BNPParibasMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">BNP Paribas [Member]</link:label>
    <link:label id="lab_san_BNPParibasMember_documentation_en-US" xlink:label="lab_san_BNPParibasMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents BNP Paribas.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BNPParibasMember" xlink:href="san-20251231.xsd#san_BNPParibasMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BNPParibasMember" xlink:to="lab_san_BNPParibasMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments_019ca0fb-ca4d-7b4f-a1ec-c0e220a8899a_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Gains or losses resulting from the accounting for hedges of equity instruments measured at fair value through other comprehensive income, net</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other comprehensive income, before tax, gains (losses) on hedging instruments that hedge investments in equity instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PaymentOfTaxExpenseOtherThanIncomeTaxExpense_019ca0fb-c94e-725d-84e4-2620c52c0930_terseLabel_en-US" xlink:label="lab_san_PaymentOfTaxExpenseOtherThanIncomeTaxExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Payment of tax expense other than income tax expense</link:label>
    <link:label id="lab_san_PaymentOfTaxExpenseOtherThanIncomeTaxExpense_label_en-US" xlink:label="lab_san_PaymentOfTaxExpenseOtherThanIncomeTaxExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payment Of Tax Expense Other Than Income Tax Expense</link:label>
    <link:label id="lab_san_PaymentOfTaxExpenseOtherThanIncomeTaxExpense_documentation_en-US" xlink:label="lab_san_PaymentOfTaxExpenseOtherThanIncomeTaxExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Payment Of Tax Expense Other Than Income Tax Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PaymentOfTaxExpenseOtherThanIncomeTaxExpense" xlink:href="san-20251231.xsd#san_PaymentOfTaxExpenseOtherThanIncomeTaxExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PaymentOfTaxExpenseOtherThanIncomeTaxExpense" xlink:to="lab_san_PaymentOfTaxExpenseOtherThanIncomeTaxExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PreRetirementCostDefinedBenefitLiabilityAsset_019ca0fb-cbee-7c5f-ac6b-1b2b9416af11_terseLabel_en-US" xlink:label="lab_san_PreRetirementCostDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pre-retirement cost</link:label>
    <link:label id="lab_san_PreRetirementCostDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_san_PreRetirementCostDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pre Retirement Cost Defined Benefit Liability Asset</link:label>
    <link:label id="lab_san_PreRetirementCostDefinedBenefitLiabilityAsset_documentation_en-US" xlink:label="lab_san_PreRetirementCostDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) in the net defined benefit liability (asset) resulting from pre-retirement cost.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PreRetirementCostDefinedBenefitLiabilityAsset" xlink:href="san-20251231.xsd#san_PreRetirementCostDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PreRetirementCostDefinedBenefitLiabilityAsset" xlink:to="lab_san_PreRetirementCostDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfDetailedInformationAboutLoansAndAdvancesToBanksTableTextBlock_019ca0fb-cb6b-7ad9-a361-000bac118955_terseLabel_en-US" xlink:label="lab_san_DisclosureOfDetailedInformationAboutLoansAndAdvancesToBanksTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of loans and advances to banks and credit institutions</link:label>
    <link:label id="lab_san_DisclosureOfDetailedInformationAboutLoansAndAdvancesToBanksTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfDetailedInformationAboutLoansAndAdvancesToBanksTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Detailed Information About Loans And Advances To Banks [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfDetailedInformationAboutLoansAndAdvancesToBanksTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfDetailedInformationAboutLoansAndAdvancesToBanksTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Detailed Information About Loans And Advances To Banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfDetailedInformationAboutLoansAndAdvancesToBanksTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfDetailedInformationAboutLoansAndAdvancesToBanksTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfDetailedInformationAboutLoansAndAdvancesToBanksTableTextBlock" xlink:to="lab_san_DisclosureOfDetailedInformationAboutLoansAndAdvancesToBanksTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PluxeeBeneficiosBrasilS.A.Member_019ca0fb-c9cd-799b-bed7-fa4f702b57c3_terseLabel_en-US" xlink:label="lab_san_PluxeeBeneficiosBrasilS.A.Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pluxee Beneficios Brasil, S.A.</link:label>
    <link:label id="lab_san_PluxeeBeneficiosBrasilS.A.Member_label_en-US" xlink:label="lab_san_PluxeeBeneficiosBrasilS.A.Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pluxee Beneficios Brasil, S.A. [Member]</link:label>
    <link:label id="lab_san_PluxeeBeneficiosBrasilS.A.Member_documentation_en-US" xlink:label="lab_san_PluxeeBeneficiosBrasilS.A.Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Pluxee Beneficios Brasil, S.A.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PluxeeBeneficiosBrasilS.A.Member" xlink:href="san-20251231.xsd#san_PluxeeBeneficiosBrasilS.A.Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PluxeeBeneficiosBrasilS.A.Member" xlink:to="lab_san_PluxeeBeneficiosBrasilS.A.Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProvisionsForEmployeeBenefitsAndOthersAxis_019ca0fb-cad3-7cd0-97df-690ded32ce0c_terseLabel_en-US" xlink:label="lab_san_ProvisionsForEmployeeBenefitsAndOthersAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions For Employee Benefits And Others [Axis]</link:label>
    <link:label id="lab_san_ProvisionsForEmployeeBenefitsAndOthersAxis_label_en-US" xlink:label="lab_san_ProvisionsForEmployeeBenefitsAndOthersAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provisions For Employee Benefits And Others [Axis]</link:label>
    <link:label id="lab_san_ProvisionsForEmployeeBenefitsAndOthersAxis_documentation_en-US" xlink:label="lab_san_ProvisionsForEmployeeBenefitsAndOthersAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The axis of a table defines the relationship between the domain members or categories in the table and the line items or concepts that complete the table.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProvisionsForEmployeeBenefitsAndOthersAxis" xlink:href="san-20251231.xsd#san_ProvisionsForEmployeeBenefitsAndOthersAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProvisionsForEmployeeBenefitsAndOthersAxis" xlink:to="lab_san_ProvisionsForEmployeeBenefitsAndOthersAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfReconciliationOfSubordinatedLiabilitiesTableTextBlock_019ca0fb-c9cd-793e-ac06-9cefe5b29b71_terseLabel_en-US" xlink:label="lab_san_ScheduleOfReconciliationOfSubordinatedLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of changes in subordinated liabilities</link:label>
    <link:label id="lab_san_ScheduleOfReconciliationOfSubordinatedLiabilitiesTableTextBlock_label_en-US" xlink:label="lab_san_ScheduleOfReconciliationOfSubordinatedLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Reconciliation Of Subordinated Liabilities [Table Text Block]</link:label>
    <link:label id="lab_san_ScheduleOfReconciliationOfSubordinatedLiabilitiesTableTextBlock_documentation_en-US" xlink:label="lab_san_ScheduleOfReconciliationOfSubordinatedLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of the changes in subordinated liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfReconciliationOfSubordinatedLiabilitiesTableTextBlock" xlink:href="san-20251231.xsd#san_ScheduleOfReconciliationOfSubordinatedLiabilitiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfReconciliationOfSubordinatedLiabilitiesTableTextBlock" xlink:to="lab_san_ScheduleOfReconciliationOfSubordinatedLiabilitiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TaxLossesDeferredTaxAssetsNotRecognized_019ca0fb-ca4d-713f-a256-f0a223b05385_terseLabel_en-US" xlink:label="lab_san_TaxLossesDeferredTaxAssetsNotRecognized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax losses, deferred tax assets not recognized</link:label>
    <link:label id="lab_san_TaxLossesDeferredTaxAssetsNotRecognized_label_en-US" xlink:label="lab_san_TaxLossesDeferredTaxAssetsNotRecognized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Losses, Deferred Tax Assets Not Recognized</link:label>
    <link:label id="lab_san_TaxLossesDeferredTaxAssetsNotRecognized_documentation_en-US" xlink:label="lab_san_TaxLossesDeferredTaxAssetsNotRecognized" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax Losses, Deferred Tax Assets Not Recognized</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TaxLossesDeferredTaxAssetsNotRecognized" xlink:href="san-20251231.xsd#san_TaxLossesDeferredTaxAssetsNotRecognized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TaxLossesDeferredTaxAssetsNotRecognized" xlink:to="lab_san_TaxLossesDeferredTaxAssetsNotRecognized" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EligibleCapitalDeductionsOther_019ca0fb-c9cd-7143-9e27-26831d6c209e_negatedLabel_en-US" xlink:label="lab_san_EligibleCapitalDeductionsOther" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Others</link:label>
    <link:label id="lab_san_EligibleCapitalDeductionsOther_label_en-US" xlink:label="lab_san_EligibleCapitalDeductionsOther" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Eligible Capital Deductions, Other</link:label>
    <link:label id="lab_san_EligibleCapitalDeductionsOther_documentation_en-US" xlink:label="lab_san_EligibleCapitalDeductionsOther" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of other adjustments to equity required for computation of Common Equity Tier I (CET I) equity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EligibleCapitalDeductionsOther" xlink:href="san-20251231.xsd#san_EligibleCapitalDeductionsOther"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EligibleCapitalDeductionsOther" xlink:to="lab_san_EligibleCapitalDeductionsOther" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FurnitureAndVehiclesMember_019ca0fb-cbee-7c8b-bdaf-944e24f4c72b_terseLabel_en-US" xlink:label="lab_san_FurnitureAndVehiclesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Furniture and vehicles</link:label>
    <link:label id="lab_san_FurnitureAndVehiclesMember_label_en-US" xlink:label="lab_san_FurnitureAndVehiclesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Furniture And Vehicles [Member]</link:label>
    <link:label id="lab_san_FurnitureAndVehiclesMember_documentation_en-US" xlink:label="lab_san_FurnitureAndVehiclesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for a class of property, plant and equipment representing furniture and vehicles</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FurnitureAndVehiclesMember" xlink:href="san-20251231.xsd#san_FurnitureAndVehiclesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FurnitureAndVehiclesMember" xlink:to="lab_san_FurnitureAndVehiclesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CompoundFinancialInstrumentEquityComponent_019ca0fb-cad3-7aca-9a66-8fb566538ffa_terseLabel_en-US" xlink:label="lab_san_CompoundFinancialInstrumentEquityComponent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity component of the compound financial instrument</link:label>
    <link:label id="lab_san_CompoundFinancialInstrumentEquityComponent_label_en-US" xlink:label="lab_san_CompoundFinancialInstrumentEquityComponent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compound Financial Instrument, Equity Component</link:label>
    <link:label id="lab_san_CompoundFinancialInstrumentEquityComponent_documentation_en-US" xlink:label="lab_san_CompoundFinancialInstrumentEquityComponent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Compound Financial Instrument, Equity Component</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CompoundFinancialInstrumentEquityComponent" xlink:href="san-20251231.xsd#san_CompoundFinancialInstrumentEquityComponent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CompoundFinancialInstrumentEquityComponent" xlink:to="lab_san_CompoundFinancialInstrumentEquityComponent" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FinancialAssetsAndLiabilitiesCategoryMember_019ca0fb-cbee-7adf-9456-e26adb3d90c0_terseLabel_en-US" xlink:label="lab_san_FinancialAssetsAndLiabilitiesCategoryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets and liabilities</link:label>
    <link:label id="lab_san_FinancialAssetsAndLiabilitiesCategoryMember_label_en-US" xlink:label="lab_san_FinancialAssetsAndLiabilitiesCategoryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Assets And Liabilities, Category [Member]</link:label>
    <link:label id="lab_san_FinancialAssetsAndLiabilitiesCategoryMember_documentation_en-US" xlink:label="lab_san_FinancialAssetsAndLiabilitiesCategoryMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for those financial assets and liabilities that comprise the Categories designations in the ifrs taxonomy.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinancialAssetsAndLiabilitiesCategoryMember" xlink:href="san-20251231.xsd#san_FinancialAssetsAndLiabilitiesCategoryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FinancialAssetsAndLiabilitiesCategoryMember" xlink:to="lab_san_FinancialAssetsAndLiabilitiesCategoryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalTradeServicesPlatform_019ca0fb-cad3-7351-b767-3f994a24fa36_terseLabel_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalTradeServicesPlatform" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of geographies with global trade services platform</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalTradeServicesPlatform_label_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalTradeServicesPlatform" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Number Of Geographies With Global Trade Services Platform</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalTradeServicesPlatform_documentation_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalTradeServicesPlatform" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Number Of Geographies With Global Trade Services Platform</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalTradeServicesPlatform" xlink:href="san-20251231.xsd#san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalTradeServicesPlatform"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalTradeServicesPlatform" xlink:to="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalTradeServicesPlatform" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ZurichSantanderInsuranceAmericaSLMember_019ca0fb-cad3-7264-be40-b498336240e7_terseLabel_en-US" xlink:label="lab_san_ZurichSantanderInsuranceAmericaSLMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Zurich Santander Insurance America, S.L. - Consolidated</link:label>
    <link:label id="lab_san_ZurichSantanderInsuranceAmericaSLMember_label_en-US" xlink:label="lab_san_ZurichSantanderInsuranceAmericaSLMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Zurich Santander Insurance America SL [Member]</link:label>
    <link:label id="lab_san_ZurichSantanderInsuranceAmericaSLMember_documentation_en-US" xlink:label="lab_san_ZurichSantanderInsuranceAmericaSLMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for Zurich Santander Insurance America S.L.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ZurichSantanderInsuranceAmericaSLMember" xlink:href="san-20251231.xsd#san_ZurichSantanderInsuranceAmericaSLMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ZurichSantanderInsuranceAmericaSLMember" xlink:to="lab_san_ZurichSantanderInsuranceAmericaSLMember" xlink:type="arc" order="1"/>
    <link:label id="lab_country_MX_019ca0fb-cbee-7090-93ed-9b7a5cb15daf_terseLabel_en-US" xlink:label="lab_country_MX" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mexico</link:label>
    <link:label id="lab_country_MX_label_en-US" xlink:label="lab_country_MX" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">MEXICO</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_MX" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_MX"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_MX" xlink:to="lab_country_MX" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonExecutiveViceChairmanMember_019ca0fb-c9cd-7566-af87-b67075cd331d_terseLabel_en-US" xlink:label="lab_san_NonExecutiveViceChairmanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-executive Vice Chair</link:label>
    <link:label id="lab_san_NonExecutiveViceChairmanMember_label_en-US" xlink:label="lab_san_NonExecutiveViceChairmanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non Executive Vice Chairman [Member]</link:label>
    <link:label id="lab_san_NonExecutiveViceChairmanMember_documentation_en-US" xlink:label="lab_san_NonExecutiveViceChairmanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the person serving as the non-executive deputy chairman of the board of directors.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonExecutiveViceChairmanMember" xlink:href="san-20251231.xsd#san_NonExecutiveViceChairmanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonExecutiveViceChairmanMember" xlink:to="lab_san_NonExecutiveViceChairmanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TypeOfAgreementAxis_019ca0fb-c94e-7b76-90f4-77a50860bcab_terseLabel_en-US" xlink:label="lab_san_TypeOfAgreementAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Type Of Agreement [Axis]</link:label>
    <link:label id="lab_san_TypeOfAgreementAxis_label_en-US" xlink:label="lab_san_TypeOfAgreementAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Type Of Agreement [Axis]</link:label>
    <link:label id="lab_san_TypeOfAgreementAxis_documentation_en-US" xlink:label="lab_san_TypeOfAgreementAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Type Of Agreement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TypeOfAgreementAxis" xlink:href="san-20251231.xsd#san_TypeOfAgreementAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TypeOfAgreementAxis" xlink:to="lab_san_TypeOfAgreementAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SensitivityAnalysisDiscountRateAdjustmentIncrease_019ca0fb-cb6b-74e6-8c34-f71108d3f8d2_terseLabel_en-US" xlink:label="lab_san_SensitivityAnalysisDiscountRateAdjustmentIncrease" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sensitivity analysis, discount rate adjustment, increase (in basis points)</link:label>
    <link:label id="lab_san_SensitivityAnalysisDiscountRateAdjustmentIncrease_label_en-US" xlink:label="lab_san_SensitivityAnalysisDiscountRateAdjustmentIncrease" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis, Discount Rate Adjustment, Increase</link:label>
    <link:label id="lab_san_SensitivityAnalysisDiscountRateAdjustmentIncrease_documentation_en-US" xlink:label="lab_san_SensitivityAnalysisDiscountRateAdjustmentIncrease" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis, Discount Rate Adjustment, Increase</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SensitivityAnalysisDiscountRateAdjustmentIncrease" xlink:href="san-20251231.xsd#san_SensitivityAnalysisDiscountRateAdjustmentIncrease"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SensitivityAnalysisDiscountRateAdjustmentIncrease" xlink:to="lab_san_SensitivityAnalysisDiscountRateAdjustmentIncrease" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DerivativesMember_019ca0fb-ca4e-731f-9f29-3e66c6bb1a2e_terseLabel_en-US" xlink:label="lab_ifrs-full_DerivativesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives</link:label>
    <link:label id="lab_ifrs-full_DerivativesMember_label_en-US" xlink:label="lab_ifrs-full_DerivativesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivatives [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DerivativesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DerivativesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DerivativesMember" xlink:to="lab_ifrs-full_DerivativesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AssetsRelatedPartyTransactions_019ca0fb-cbee-7873-9223-229a9961838e_terseLabel_en-US" xlink:label="lab_san_AssetsRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets</link:label>
    <link:label id="lab_san_AssetsRelatedPartyTransactions_label_en-US" xlink:label="lab_san_AssetsRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets, Related Party Transactions</link:label>
    <link:label id="lab_san_AssetsRelatedPartyTransactions_documentation_en-US" xlink:label="lab_san_AssetsRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of assets attributable to related party transactions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AssetsRelatedPartyTransactions" xlink:href="san-20251231.xsd#san_AssetsRelatedPartyTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AssetsRelatedPartyTransactions" xlink:to="lab_san_AssetsRelatedPartyTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LegalCaseToRequestCourtJudgmentOnValidityOfSwapsMember_019ca0fb-cbee-70f7-8162-48161cba476c_terseLabel_en-US" xlink:label="lab_san_LegalCaseToRequestCourtJudgmentOnValidityOfSwapsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal case to request court judgment on the validity of the swaps</link:label>
    <link:label id="lab_san_LegalCaseToRequestCourtJudgmentOnValidityOfSwapsMember_label_en-US" xlink:label="lab_san_LegalCaseToRequestCourtJudgmentOnValidityOfSwapsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal Case To Request Court Judgment On Validity Of Swaps [Member]</link:label>
    <link:label id="lab_san_LegalCaseToRequestCourtJudgmentOnValidityOfSwapsMember_documentation_en-US" xlink:label="lab_san_LegalCaseToRequestCourtJudgmentOnValidityOfSwapsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for a legal case to request a court judgment on the validity of the swaps in the jurisdiction of the United Kingdom to which the swaps are subject.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LegalCaseToRequestCourtJudgmentOnValidityOfSwapsMember" xlink:href="san-20251231.xsd#san_LegalCaseToRequestCourtJudgmentOnValidityOfSwapsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LegalCaseToRequestCourtJudgmentOnValidityOfSwapsMember" xlink:to="lab_san_LegalCaseToRequestCourtJudgmentOnValidityOfSwapsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DilutiveEffectOfPotentialConversionOfOrdinaryShares_019ca0fb-cad3-7c6e-8c61-2dedad70bc77_terseLabel_en-US" xlink:label="lab_san_DilutiveEffectOfPotentialConversionOfOrdinaryShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dilutive effect of changes in profit for the period arising from potential conversion of ordinary shares</link:label>
    <link:label id="lab_san_DilutiveEffectOfPotentialConversionOfOrdinaryShares_label_en-US" xlink:label="lab_san_DilutiveEffectOfPotentialConversionOfOrdinaryShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dilutive Effect Of Potential Conversion Of Ordinary Shares</link:label>
    <link:label id="lab_san_DilutiveEffectOfPotentialConversionOfOrdinaryShares_documentation_en-US" xlink:label="lab_san_DilutiveEffectOfPotentialConversionOfOrdinaryShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Dilutive Effect Of Potential Conversion Of Ordinary Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DilutiveEffectOfPotentialConversionOfOrdinaryShares" xlink:href="san-20251231.xsd#san_DilutiveEffectOfPotentialConversionOfOrdinaryShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DilutiveEffectOfPotentialConversionOfOrdinaryShares" xlink:to="lab_san_DilutiveEffectOfPotentialConversionOfOrdinaryShares" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock_019ca0fb-c9cd-77af-97b4-3d51e402db53_terseLabel_en-US" xlink:label="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed balance sheets</link:label>
    <link:label id="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock_label_en-US" xlink:label="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Balance Sheet [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScheduleOfCondensedBalanceSheetTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:to="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DiscontinuedOperationsConsolidatedIncomeAndCashFlowStatementsTableTextBlock_019ca0fb-cad3-763a-b012-1eb64808253d_terseLabel_en-US" xlink:label="lab_san_DiscontinuedOperationsConsolidatedIncomeAndCashFlowStatementsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discontinued operations, consolidated income and cash flow statements</link:label>
    <link:label id="lab_san_DiscontinuedOperationsConsolidatedIncomeAndCashFlowStatementsTableTextBlock_label_en-US" xlink:label="lab_san_DiscontinuedOperationsConsolidatedIncomeAndCashFlowStatementsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Discontinued Operations, Consolidated Income And Cash Flow Statements [Table Text Block]</link:label>
    <link:label id="lab_san_DiscontinuedOperationsConsolidatedIncomeAndCashFlowStatementsTableTextBlock_documentation_en-US" xlink:label="lab_san_DiscontinuedOperationsConsolidatedIncomeAndCashFlowStatementsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Discontinued Operations, Consolidated Income And Cash Flow Statements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DiscontinuedOperationsConsolidatedIncomeAndCashFlowStatementsTableTextBlock" xlink:href="san-20251231.xsd#san_DiscontinuedOperationsConsolidatedIncomeAndCashFlowStatementsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DiscontinuedOperationsConsolidatedIncomeAndCashFlowStatementsTableTextBlock" xlink:to="lab_san_DiscontinuedOperationsConsolidatedIncomeAndCashFlowStatementsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseKeyManagementPersonnelCompensationDirectorCompensationPerDirectorPercentage_019ca0fb-c94e-79d4-a90c-a466a145f473_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseKeyManagementPersonnelCompensationDirectorCompensationPerDirectorPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) annual emoluments, per director (in percentage)</link:label>
    <link:label id="lab_san_IncreaseDecreaseKeyManagementPersonnelCompensationDirectorCompensationPerDirectorPercentage_label_en-US" xlink:label="lab_san_IncreaseDecreaseKeyManagementPersonnelCompensationDirectorCompensationPerDirectorPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Key Management Personnel Compensation, Director Compensation, Per Director, Percentage</link:label>
    <link:label id="lab_san_IncreaseDecreaseKeyManagementPersonnelCompensationDirectorCompensationPerDirectorPercentage_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseKeyManagementPersonnelCompensationDirectorCompensationPerDirectorPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Key Management Personnel Compensation, Director Compensation, Per Director, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseKeyManagementPersonnelCompensationDirectorCompensationPerDirectorPercentage" xlink:href="san-20251231.xsd#san_IncreaseDecreaseKeyManagementPersonnelCompensationDirectorCompensationPerDirectorPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseKeyManagementPersonnelCompensationDirectorCompensationPerDirectorPercentage" xlink:to="lab_san_IncreaseDecreaseKeyManagementPersonnelCompensationDirectorCompensationPerDirectorPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageOfDecreaseInCostOfCredit_019ca0fb-ca4e-710f-9328-b48c5eb09d15_terseLabel_en-US" xlink:label="lab_san_PercentageOfDecreaseInCostOfCredit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Decrease in cost of credit</link:label>
    <link:label id="lab_san_PercentageOfDecreaseInCostOfCredit_label_en-US" xlink:label="lab_san_PercentageOfDecreaseInCostOfCredit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Decrease In Cost Of Credit</link:label>
    <link:label id="lab_san_PercentageOfDecreaseInCostOfCredit_documentation_en-US" xlink:label="lab_san_PercentageOfDecreaseInCostOfCredit" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage of decrease in cost of credit.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageOfDecreaseInCostOfCredit" xlink:href="san-20251231.xsd#san_PercentageOfDecreaseInCostOfCredit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageOfDecreaseInCostOfCredit" xlink:to="lab_san_PercentageOfDecreaseInCostOfCredit" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MajorBusinessCombinationMember_019ca0fb-c94e-7e9d-b336-edf64b389fd2_terseLabel_en-US" xlink:label="lab_ifrs-full_MajorBusinessCombinationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Major business combination [member]</link:label>
    <link:label id="lab_ifrs-full_MajorBusinessCombinationMember_label_en-US" xlink:label="lab_ifrs-full_MajorBusinessCombinationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Major business combination [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MajorBusinessCombinationMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MajorBusinessCombinationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MajorBusinessCombinationMember" xlink:to="lab_ifrs-full_MajorBusinessCombinationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TaxEffectOfUSAElectricVehicleLeasingIncentives_019ca0fb-ca4e-7d04-8e50-a0dd337883ef_terseLabel_en-US" xlink:label="lab_san_TaxEffectOfUSAElectricVehicleLeasingIncentives" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">USA electric vehicle leasing incentives</link:label>
    <link:label id="lab_san_TaxEffectOfUSAElectricVehicleLeasingIncentives_label_en-US" xlink:label="lab_san_TaxEffectOfUSAElectricVehicleLeasingIncentives" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Effect Of USA Electric Vehicle Leasing Incentives</link:label>
    <link:label id="lab_san_TaxEffectOfUSAElectricVehicleLeasingIncentives_documentation_en-US" xlink:label="lab_san_TaxEffectOfUSAElectricVehicleLeasingIncentives" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax Effect Of USA Electric Vehicle Leasing Incentives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TaxEffectOfUSAElectricVehicleLeasingIncentives" xlink:href="san-20251231.xsd#san_TaxEffectOfUSAElectricVehicleLeasingIncentives"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TaxEffectOfUSAElectricVehicleLeasingIncentives" xlink:to="lab_san_TaxEffectOfUSAElectricVehicleLeasingIncentives" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PostEmploymentPlansMember_019ca0fb-c9cd-7c4f-8f16-868c1b7ce93a_terseLabel_en-US" xlink:label="lab_san_PostEmploymentPlansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Post-employment&#160;plans</link:label>
    <link:label id="lab_san_PostEmploymentPlansMember_label_en-US" xlink:label="lab_san_PostEmploymentPlansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Post Employment Plans [Member]</link:label>
    <link:label id="lab_san_PostEmploymentPlansMember_documentation_en-US" xlink:label="lab_san_PostEmploymentPlansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for post-employment plans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PostEmploymentPlansMember" xlink:href="san-20251231.xsd#san_PostEmploymentPlansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PostEmploymentPlansMember" xlink:to="lab_san_PostEmploymentPlansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForeignCurrencyTranslationsNumberOfStages_019ca0fb-cb6b-7afd-a945-f697a25c1673_terseLabel_en-US" xlink:label="lab_san_ForeignCurrencyTranslationsNumberOfStages" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of consecutive stages</link:label>
    <link:label id="lab_san_ForeignCurrencyTranslationsNumberOfStages_label_en-US" xlink:label="lab_san_ForeignCurrencyTranslationsNumberOfStages" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign Currency Translations, Number Of Stages</link:label>
    <link:label id="lab_san_ForeignCurrencyTranslationsNumberOfStages_documentation_en-US" xlink:label="lab_san_ForeignCurrencyTranslationsNumberOfStages" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents number of consecutive stages in which foreign currency balances are translated to functional currency.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForeignCurrencyTranslationsNumberOfStages" xlink:href="san-20251231.xsd#san_ForeignCurrencyTranslationsNumberOfStages"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForeignCurrencyTranslationsNumberOfStages" xlink:to="lab_san_ForeignCurrencyTranslationsNumberOfStages" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue_019ca0fb-ca4e-77e3-bf3c-fba17ab830fb_terseLabel_en-US" xlink:label="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets, collateral received and own debt securities issued other than covered bonds and ABSs encumbered</link:label>
    <link:label id="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue_label_en-US" xlink:label="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets Pledged As Collateral For Liabilities Or Contingent Liabilities, Assets, Carrying Value</link:label>
    <link:label id="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue_documentation_en-US" xlink:label="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The carrying value of assets that the entity has pledged as collateral for liabilities or contingent liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue" xlink:href="san-20251231.xsd#san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue" xlink:to="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CreditCardsReceivablesMember_019ca0fb-c94e-74d2-b4de-14edcc2303ba_terseLabel_en-US" xlink:label="lab_san_CreditCardsReceivablesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit cards receivables</link:label>
    <link:label id="lab_san_CreditCardsReceivablesMember_label_en-US" xlink:label="lab_san_CreditCardsReceivablesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Cards Receivables [Member]</link:label>
    <link:label id="lab_san_CreditCardsReceivablesMember_documentation_en-US" xlink:label="lab_san_CreditCardsReceivablesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for credit cards receivables.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CreditCardsReceivablesMember" xlink:href="san-20251231.xsd#san_CreditCardsReceivablesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CreditCardsReceivablesMember" xlink:to="lab_san_CreditCardsReceivablesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProfitLossAttributableToShareholdersOfParent_019ca0fb-cc70-71c2-a4cc-13ddaa942736_terseLabel_en-US" xlink:label="lab_san_ProfitLossAttributableToShareholdersOfParent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PROFIT OR LOSS ATTRIBUTABLE TO SHAREHOLDERS OF THE PARENT</link:label>
    <link:label id="lab_san_ProfitLossAttributableToShareholdersOfParent_019ca0fb-cc70-7bcb-aa08-edb11c6751b5_verboseLabel_en-US" xlink:label="lab_san_ProfitLossAttributableToShareholdersOfParent" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Attributable profit</link:label>
    <link:label id="lab_san_ProfitLossAttributableToShareholdersOfParent_label_en-US" xlink:label="lab_san_ProfitLossAttributableToShareholdersOfParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit (Loss) Attributable To Shareholders Of Parent</link:label>
    <link:label id="lab_san_ProfitLossAttributableToShareholdersOfParent_documentation_en-US" xlink:label="lab_san_ProfitLossAttributableToShareholdersOfParent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of shareholders' equity attributable to profit (loss) for the current period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProfitLossAttributableToShareholdersOfParent" xlink:href="san-20251231.xsd#san_ProfitLossAttributableToShareholdersOfParent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProfitLossAttributableToShareholdersOfParent" xlink:to="lab_san_ProfitLossAttributableToShareholdersOfParent" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherTermLoansReceivablesMember_019ca0fb-c9cd-7c15-9cd9-2a6c93c7d7a2_terseLabel_en-US" xlink:label="lab_san_OtherTermLoansReceivablesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other term loans</link:label>
    <link:label id="lab_san_OtherTermLoansReceivablesMember_label_en-US" xlink:label="lab_san_OtherTermLoansReceivablesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Term Loans Receivables [Member]</link:label>
    <link:label id="lab_san_OtherTermLoansReceivablesMember_documentation_en-US" xlink:label="lab_san_OtherTermLoansReceivablesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for other term loans receivable.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherTermLoansReceivablesMember" xlink:href="san-20251231.xsd#san_OtherTermLoansReceivablesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherTermLoansReceivablesMember" xlink:to="lab_san_OtherTermLoansReceivablesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfCapitalBuffer_019ca0fb-cad2-7a14-88d9-8fc408badb7a_terseLabel_en-US" xlink:label="lab_san_NumberOfCapitalBuffer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of capital buffer</link:label>
    <link:label id="lab_san_NumberOfCapitalBuffer_label_en-US" xlink:label="lab_san_NumberOfCapitalBuffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Capital Buffer</link:label>
    <link:label id="lab_san_NumberOfCapitalBuffer_documentation_en-US" xlink:label="lab_san_NumberOfCapitalBuffer" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Of Capital Buffer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfCapitalBuffer" xlink:href="san-20251231.xsd#san_NumberOfCapitalBuffer"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfCapitalBuffer" xlink:to="lab_san_NumberOfCapitalBuffer" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfShareCapitalAxis_019ca0fb-c9cd-7aea-af9e-82389f7c150f_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfShareCapitalAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of share capital [axis]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfShareCapitalAxis_label_en-US" xlink:label="lab_ifrs-full_ClassesOfShareCapitalAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of share capital [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfShareCapitalAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfShareCapitalAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfShareCapitalAxis" xlink:to="lab_ifrs-full_ClassesOfShareCapitalAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesTable_019ca0fb-cad3-76ef-9fda-322f5395fd36_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of fair value measurement of liabilities [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of fair value measurement of liabilities [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesTable" xlink:to="lab_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_Collateral1Axis_019ca0fb-cb6b-77d4-93b9-5d03df164e71_terseLabel_en-US" xlink:label="lab_san_Collateral1Axis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateral [Axis]</link:label>
    <link:label id="lab_san_Collateral1Axis_label_en-US" xlink:label="lab_san_Collateral1Axis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateral1 [Axis]</link:label>
    <link:label id="lab_san_Collateral1Axis_documentation_en-US" xlink:label="lab_san_Collateral1Axis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information by category of collateral or no collateral.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_Collateral1Axis" xlink:href="san-20251231.xsd#san_Collateral1Axis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_Collateral1Axis" xlink:to="lab_san_Collateral1Axis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedIssueFirstCallDate_019ca0fb-c94e-78af-ae97-fe50a2faf69a_terseLabel_en-US" xlink:label="lab_san_SubordinatedIssueFirstCallDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated issue, first call date</link:label>
    <link:label id="lab_san_SubordinatedIssueFirstCallDate_label_en-US" xlink:label="lab_san_SubordinatedIssueFirstCallDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Issue, First Call Date</link:label>
    <link:label id="lab_san_SubordinatedIssueFirstCallDate_documentation_en-US" xlink:label="lab_san_SubordinatedIssueFirstCallDate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Issue, First Call Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedIssueFirstCallDate" xlink:href="san-20251231.xsd#san_SubordinatedIssueFirstCallDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedIssueFirstCallDate" xlink:to="lab_san_SubordinatedIssueFirstCallDate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities_019ca0fb-cb6b-7371-8025-6d464f514c62_terseLabel_en-US" xlink:label="lab_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities_label_en-US" xlink:label="lab_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Increase (Decrease) In Fair Value Measurement, Liabilities</link:label>
    <link:label id="lab_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities_documentation_en-US" xlink:label="lab_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) in the fair value measurement of liabilities that the entity does not separately disclose in the same statement or note.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities" xlink:href="san-20251231.xsd#san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities" xlink:to="lab_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageOfPublicNotaryExpensesAndAgencyExpensesToBePaid_019ca0fb-c94e-76e1-b3b5-69146b5e95de_terseLabel_en-US" xlink:label="lab_san_PercentageOfPublicNotaryExpensesAndAgencyExpensesToBePaid" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of public notary expenses and agency expenses to be paid</link:label>
    <link:label id="lab_san_PercentageOfPublicNotaryExpensesAndAgencyExpensesToBePaid_label_en-US" xlink:label="lab_san_PercentageOfPublicNotaryExpensesAndAgencyExpensesToBePaid" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Public Notary Expenses And Agency Expenses To Be Paid</link:label>
    <link:label id="lab_san_PercentageOfPublicNotaryExpensesAndAgencyExpensesToBePaid_documentation_en-US" xlink:label="lab_san_PercentageOfPublicNotaryExpensesAndAgencyExpensesToBePaid" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage Of Public Notary Expenses And Agency Expenses To Be Paid</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageOfPublicNotaryExpensesAndAgencyExpensesToBePaid" xlink:href="san-20251231.xsd#san_PercentageOfPublicNotaryExpensesAndAgencyExpensesToBePaid"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageOfPublicNotaryExpensesAndAgencyExpensesToBePaid" xlink:to="lab_san_PercentageOfPublicNotaryExpensesAndAgencyExpensesToBePaid" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LegalProceedingsProvisionProbableLossFullyProvisioned_019ca0fb-cb6b-72b6-b6d0-ad9c48872627_terseLabel_en-US" xlink:label="lab_san_LegalProceedingsProvisionProbableLossFullyProvisioned" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal proceedings provision, probable loss fully provisioned</link:label>
    <link:label id="lab_san_LegalProceedingsProvisionProbableLossFullyProvisioned_label_en-US" xlink:label="lab_san_LegalProceedingsProvisionProbableLossFullyProvisioned" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal Proceedings Provision, Probable Loss, Fully Provisioned</link:label>
    <link:label id="lab_san_LegalProceedingsProvisionProbableLossFullyProvisioned_documentation_en-US" xlink:label="lab_san_LegalProceedingsProvisionProbableLossFullyProvisioned" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Legal Proceedings Provision, Probable Loss, Fully Provisioned</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LegalProceedingsProvisionProbableLossFullyProvisioned" xlink:href="san-20251231.xsd#san_LegalProceedingsProvisionProbableLossFullyProvisioned"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LegalProceedingsProvisionProbableLossFullyProvisioned" xlink:to="lab_san_LegalProceedingsProvisionProbableLossFullyProvisioned" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AssetSwapModelValuationTechniqueMember_019ca0fb-cb6b-712d-9c86-5a08d0fefc69_terseLabel_en-US" xlink:label="lab_san_AssetSwapModelValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Asset Swap Model Valuation Technique</link:label>
    <link:label id="lab_san_AssetSwapModelValuationTechniqueMember_label_en-US" xlink:label="lab_san_AssetSwapModelValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Swap Model Valuation Technique [Member]</link:label>
    <link:label id="lab_san_AssetSwapModelValuationTechniqueMember_documentation_en-US" xlink:label="lab_san_AssetSwapModelValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Asset Swap Model Valuation Technique</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AssetSwapModelValuationTechniqueMember" xlink:href="san-20251231.xsd#san_AssetSwapModelValuationTechniqueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AssetSwapModelValuationTechniqueMember" xlink:to="lab_san_AssetSwapModelValuationTechniqueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_Equity_019ca0fb-c9cd-72b8-b7ec-645155de3a17_totalLabel_en-US" xlink:label="lab_ifrs-full_Equity" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">TOTAL EQUITY</link:label>
    <link:label id="lab_ifrs-full_Equity_019ca0fb-c9cd-7d67-9f4e-b6930622b37e_periodStartLabel_en-US" xlink:label="lab_ifrs-full_Equity" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Equity at beginning of period</link:label>
    <link:label id="lab_ifrs-full_Equity_019ca0fb-c9cd-7db2-850c-33f27d87f070_periodEndLabel_en-US" xlink:label="lab_ifrs-full_Equity" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Equity at end of period</link:label>
    <link:label id="lab_ifrs-full_Equity_019ca0fb-c9cd-712e-aac9-b7e2d292a8ad_terseLabel_en-US" xlink:label="lab_ifrs-full_Equity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity</link:label>
    <link:label id="lab_ifrs-full_Equity_label_en-US" xlink:label="lab_ifrs-full_Equity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_Equity" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_Equity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_Equity" xlink:to="lab_ifrs-full_Equity" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition_019ca0fb-ca4e-7931-ad52-e2312bc52c02_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition_019ca0fb-ca4e-7a07-99f5-2ba1342d9a29_verboseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Financial assets designated at fair value through profit or loss</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition_019ca0fb-ca4e-7aa3-8961-cce4e2fc83b5_netLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Other financial assets at fair value through profit or loss</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through profit or loss, designated upon initial recognition or subsequently</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:to="lab_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfDefinedBenefitObligationExpensesRecognizedInIncomeStatementsTableTextBlock_019ca0fb-cbee-7619-883e-f89cab388bea_terseLabel_en-US" xlink:label="lab_san_DisclosureOfDefinedBenefitObligationExpensesRecognizedInIncomeStatementsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of defined benefit obligation expenses recognized in the consolidated income statements</link:label>
    <link:label id="lab_san_DisclosureOfDefinedBenefitObligationExpensesRecognizedInIncomeStatementsTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfDefinedBenefitObligationExpensesRecognizedInIncomeStatementsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Defined Benefit Obligation Expenses Recognized In Income Statements [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfDefinedBenefitObligationExpensesRecognizedInIncomeStatementsTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfDefinedBenefitObligationExpensesRecognizedInIncomeStatementsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of defined benefit obligation expenses recognized in the consolidated income statements.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfDefinedBenefitObligationExpensesRecognizedInIncomeStatementsTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfDefinedBenefitObligationExpensesRecognizedInIncomeStatementsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfDefinedBenefitObligationExpensesRecognizedInIncomeStatementsTableTextBlock" xlink:to="lab_san_DisclosureOfDefinedBenefitObligationExpensesRecognizedInIncomeStatementsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations_019ca0fb-c94e-7ead-9ada-25d8be5709d7_terseLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">A) Cash flows from operating activities</link:label>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations_label_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash flows from (used in) operating activities, discontinued operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations" xlink:to="lab_ifrs-full_CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageOfTotalPortfolioAtRisk_019ca0fb-cb6b-7b2e-99d0-028965217793_terseLabel_en-US" xlink:label="lab_san_PercentageOfTotalPortfolioAtRisk" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percent at risk</link:label>
    <link:label id="lab_san_PercentageOfTotalPortfolioAtRisk_label_en-US" xlink:label="lab_san_PercentageOfTotalPortfolioAtRisk" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Total Portfolio At Risk</link:label>
    <link:label id="lab_san_PercentageOfTotalPortfolioAtRisk_documentation_en-US" xlink:label="lab_san_PercentageOfTotalPortfolioAtRisk" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage of the total portfolio that is at risk.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageOfTotalPortfolioAtRisk" xlink:href="san-20251231.xsd#san_PercentageOfTotalPortfolioAtRisk"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageOfTotalPortfolioAtRisk" xlink:to="lab_san_PercentageOfTotalPortfolioAtRisk" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GrossProfit_019ca0fb-cb6b-7670-8aee-516a123bb6a9_totalLabel_en-US" xlink:label="lab_ifrs-full_GrossProfit" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total income</link:label>
    <link:label id="lab_ifrs-full_GrossProfit_019ca0fb-cb6b-7506-9032-ffd0f5a18b84_terseLabel_en-US" xlink:label="lab_ifrs-full_GrossProfit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross profit</link:label>
    <link:label id="lab_ifrs-full_GrossProfit_label_en-US" xlink:label="lab_ifrs-full_GrossProfit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gross profit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GrossProfit" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GrossProfit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GrossProfit" xlink:to="lab_ifrs-full_GrossProfit" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance_019ca0fb-cbee-789a-af59-286f3f1048a4_terseLabel_en-US" xlink:label="lab_san_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value of collateral received or own debt securities issued available for encumbrance</link:label>
    <link:label id="lab_san_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance_label_en-US" xlink:label="lab_san_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Of Collateral Received Or Own Debt Securities Issued, Available For Encumbrance</link:label>
    <link:label id="lab_san_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance_documentation_en-US" xlink:label="lab_san_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value Of Collateral Received Or Own Debt Securities Issued, Available For Encumbrance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" xlink:href="san-20251231.xsd#san_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" xlink:to="lab_san_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SharesSoldPercentageOfShareCapital_019ca0fb-cb6b-7a3f-9dc3-49b359cde1cb_terseLabel_en-US" xlink:label="lab_san_SharesSoldPercentageOfShareCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of share capital</link:label>
    <link:label id="lab_san_SharesSoldPercentageOfShareCapital_label_en-US" xlink:label="lab_san_SharesSoldPercentageOfShareCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Shares Sold, Percentage of Share Capital</link:label>
    <link:label id="lab_san_SharesSoldPercentageOfShareCapital_documentation_en-US" xlink:label="lab_san_SharesSoldPercentageOfShareCapital" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Shares Sold, Percentage of Share Capital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SharesSoldPercentageOfShareCapital" xlink:href="san-20251231.xsd#san_SharesSoldPercentageOfShareCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SharesSoldPercentageOfShareCapital" xlink:to="lab_san_SharesSoldPercentageOfShareCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CreditQualityDomain_019ca0fb-cc70-7141-8ba1-5d79f5a8385f_terseLabel_en-US" xlink:label="lab_san_CreditQualityDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit Quality [Domain]</link:label>
    <link:label id="lab_san_CreditQualityDomain_label_en-US" xlink:label="lab_san_CreditQualityDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Quality [Domain]</link:label>
    <link:label id="lab_san_CreditQualityDomain_documentation_en-US" xlink:label="lab_san_CreditQualityDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Detail of credit quality ratings calculated for Group management purposes.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CreditQualityDomain" xlink:href="san-20251231.xsd#san_CreditQualityDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CreditQualityDomain" xlink:to="lab_san_CreditQualityDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderBrasilInNovember2021Member_019ca0fb-cb6b-7963-a20d-dbeb39fd0c0a_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderBrasilInNovember2021Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance by Banco Santander Brasil in November 2021</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderBrasilInNovember2021Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderBrasilInNovember2021Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander Brasil In November 2021 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderBrasilInNovember2021Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderBrasilInNovember2021Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander Brasil In November 2021</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderBrasilInNovember2021Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderBrasilInNovember2021Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderBrasilInNovember2021Member" xlink:to="lab_san_IssuanceByBancoSantanderBrasilInNovember2021Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated_019ca0fb-cad3-7703-b512-cf50bca24ca4_totalLabel_en-US" xlink:label="lab_san_OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Hedging instruments (items not designated)</link:label>
    <link:label id="lab_san_OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated_label_en-US" xlink:label="lab_san_OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income, Before Tax, Hedging Instruments Not Designated</link:label>
    <link:label id="lab_san_OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated_documentation_en-US" xlink:label="lab_san_OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income, Before Tax, Hedging Instruments Not Designated</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" xlink:href="san-20251231.xsd#san_OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" xlink:to="lab_san_OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation_019ca0fb-ca4e-7f68-813a-6ec18d8ff808_totalLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Exchanges differences</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation_019ca0fb-ca4e-7f76-8cc3-dc5f8c76b6bf_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchange differences</link:label>
    <link:label id="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation_label_en-US" xlink:label="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other comprehensive income, before tax, exchange differences on translation of foreign operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" xlink:to="lab_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ImpactOnCreditRiskProvision_019ca0fb-cc70-7aa2-ba15-294558eceebc_terseLabel_en-US" xlink:label="lab_san_ImpactOnCreditRiskProvision" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expected impact on credit risk provision</link:label>
    <link:label id="lab_san_ImpactOnCreditRiskProvision_label_en-US" xlink:label="lab_san_ImpactOnCreditRiskProvision" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impact On Credit Risk Provision</link:label>
    <link:label id="lab_san_ImpactOnCreditRiskProvision_documentation_en-US" xlink:label="lab_san_ImpactOnCreditRiskProvision" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Impact On Credit Risk Provision</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ImpactOnCreditRiskProvision" xlink:href="san-20251231.xsd#san_ImpactOnCreditRiskProvision"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ImpactOnCreditRiskProvision" xlink:to="lab_san_ImpactOnCreditRiskProvision" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DepositsCreditInstitutionsMember_019ca0fb-cb6b-73ef-b63d-c3911955f30d_terseLabel_en-US" xlink:label="lab_san_DepositsCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit institutions</link:label>
    <link:label id="lab_san_DepositsCreditInstitutionsMember_019ca0fb-cb6b-7b1b-890a-22a968580b7d_verboseLabel_en-US" xlink:label="lab_san_DepositsCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities: credit institutions</link:label>
    <link:label id="lab_san_DepositsCreditInstitutionsMember_label_en-US" xlink:label="lab_san_DepositsCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits Credit Institutions [Member]</link:label>
    <link:label id="lab_san_DepositsCreditInstitutionsMember_documentation_en-US" xlink:label="lab_san_DepositsCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents deposits of any nature, including credit received and money market operations in the name of credit institutions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DepositsCreditInstitutionsMember" xlink:href="san-20251231.xsd#san_DepositsCreditInstitutionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DepositsCreditInstitutionsMember" xlink:to="lab_san_DepositsCreditInstitutionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfOtherFinancialLiabilitiesTableTextBlock_019ca0fb-cbee-74af-8270-5b9425c630ca_terseLabel_en-US" xlink:label="lab_san_DisclosureOfOtherFinancialLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of other financial liabilities</link:label>
    <link:label id="lab_san_DisclosureOfOtherFinancialLiabilitiesTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfOtherFinancialLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Other Financial Liabilities [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfOtherFinancialLiabilitiesTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfOtherFinancialLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of other financial liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfOtherFinancialLiabilitiesTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfOtherFinancialLiabilitiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfOtherFinancialLiabilitiesTableTextBlock" xlink:to="lab_san_DisclosureOfOtherFinancialLiabilitiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfMovementInGrossExposureByImpairmentStageTableTextBlock_019ca0fb-cad3-78b0-a19a-236f8ef098d6_terseLabel_en-US" xlink:label="lab_san_DisclosureOfMovementInGrossExposureByImpairmentStageTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of movement of gross exposure by impairment stage</link:label>
    <link:label id="lab_san_DisclosureOfMovementInGrossExposureByImpairmentStageTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfMovementInGrossExposureByImpairmentStageTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Movement In Gross Exposure By Impairment Stage [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfMovementInGrossExposureByImpairmentStageTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfMovementInGrossExposureByImpairmentStageTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The tabular disclosure of movement in gross exposure by impairment stage.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfMovementInGrossExposureByImpairmentStageTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfMovementInGrossExposureByImpairmentStageTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfMovementInGrossExposureByImpairmentStageTableTextBlock" xlink:to="lab_san_DisclosureOfMovementInGrossExposureByImpairmentStageTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfDistributionOfNetProfitTableTextBlock_019ca0fb-ca4e-7b36-823c-77210374432c_terseLabel_en-US" xlink:label="lab_san_ScheduleOfDistributionOfNetProfitTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of distribution of the Bank's net profit</link:label>
    <link:label id="lab_san_ScheduleOfDistributionOfNetProfitTableTextBlock_label_en-US" xlink:label="lab_san_ScheduleOfDistributionOfNetProfitTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Distribution Of Net Profit [Table Text Block]</link:label>
    <link:label id="lab_san_ScheduleOfDistributionOfNetProfitTableTextBlock_documentation_en-US" xlink:label="lab_san_ScheduleOfDistributionOfNetProfitTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Schedule Of Distribution Of Net Profit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfDistributionOfNetProfitTableTextBlock" xlink:href="san-20251231.xsd#san_ScheduleOfDistributionOfNetProfitTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfDistributionOfNetProfitTableTextBlock" xlink:to="lab_san_ScheduleOfDistributionOfNetProfitTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_Level2OfFairValueHierarchyMember_019ca0fb-cad3-7951-8178-23c24bb1cb1f_terseLabel_en-US" xlink:label="lab_ifrs-full_Level2OfFairValueHierarchyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Level&#160;2</link:label>
    <link:label id="lab_ifrs-full_Level2OfFairValueHierarchyMember_label_en-US" xlink:label="lab_ifrs-full_Level2OfFairValueHierarchyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Level 2 of fair value hierarchy [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_Level2OfFairValueHierarchyMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_Level2OfFairValueHierarchyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_Level2OfFairValueHierarchyMember" xlink:to="lab_ifrs-full_Level2OfFairValueHierarchyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member_019ca0fb-cb6b-7496-b382-aaa5487089de_terseLabel_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred multiyear objectives variable remuneration plan first cycle</link:label>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member_label_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Multiyear Objectives Variable Remuneration Plan First Cycle 2016 [Member]</link:label>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member_documentation_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to the Deferred Multiyear Objectives Variable Remuneration Plan, first cycle (2016).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member" xlink:href="san-20251231.xsd#san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member" xlink:to="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanSeventhEighthNinthTenthAndEleventhCycles2017201820192020And2021Member_019ca0fb-cad3-7c73-908a-67dc9508dbf5_terseLabel_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanSeventhEighthNinthTenthAndEleventhCycles2017201820192020And2021Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred conditional variable remuneration plan seventh, eighth, ninth, tenth and eleventh cycles</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanSeventhEighthNinthTenthAndEleventhCycles2017201820192020And2021Member_label_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanSeventhEighthNinthTenthAndEleventhCycles2017201820192020And2021Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan Seventh, Eighth, Ninth, Tenth And Eleventh Cycles 2017, 2018, 2019, 2020 And 2021 [Member]</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanSeventhEighthNinthTenthAndEleventhCycles2017201820192020And2021Member_documentation_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanSeventhEighthNinthTenthAndEleventhCycles2017201820192020And2021Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan Seventh, Eighth, Ninth, Tenth And Eleventh Cycles 2017, 2018, 2019, 2020 And 2021</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredConditionalVariableRemunerationPlanSeventhEighthNinthTenthAndEleventhCycles2017201820192020And2021Member" xlink:href="san-20251231.xsd#san_DeferredConditionalVariableRemunerationPlanSeventhEighthNinthTenthAndEleventhCycles2017201820192020And2021Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredConditionalVariableRemunerationPlanSeventhEighthNinthTenthAndEleventhCycles2017201820192020And2021Member" xlink:to="lab_san_DeferredConditionalVariableRemunerationPlanSeventhEighthNinthTenthAndEleventhCycles2017201820192020And2021Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PensionFundsMember_019ca0fb-c94e-725a-980a-d9af9e6c97c5_terseLabel_en-US" xlink:label="lab_san_PensionFundsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pension funds</link:label>
    <link:label id="lab_san_PensionFundsMember_label_en-US" xlink:label="lab_san_PensionFundsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pension Funds [Member]</link:label>
    <link:label id="lab_san_PensionFundsMember_documentation_en-US" xlink:label="lab_san_PensionFundsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for pension funds.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PensionFundsMember" xlink:href="san-20251231.xsd#san_PensionFundsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PensionFundsMember" xlink:to="lab_san_PensionFundsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfCreditQualityTableTextBlock_019ca0fb-cb6b-77c7-a77b-52ad10b38177_terseLabel_en-US" xlink:label="lab_san_DisclosureOfCreditQualityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of exposure and impairment losses by stage</link:label>
    <link:label id="lab_san_DisclosureOfCreditQualityTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfCreditQualityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Credit Quality [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfCreditQualityTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfCreditQualityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The tabular disclosure of credit quality.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfCreditQualityTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfCreditQualityTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfCreditQualityTableTextBlock" xlink:to="lab_san_DisclosureOfCreditQualityTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019_019ca0fb-c94e-711d-93b3-b976bd151d17_terseLabel_en-US" xlink:label="lab_ifrs-full_WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted average exercise price of share options outstanding in share-based payment arrangement</link:label>
    <link:label id="lab_ifrs-full_WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019_label_en-US" xlink:label="lab_ifrs-full_WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted average exercise price of share options outstanding in share-based payment arrangement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" xlink:to="lab_ifrs-full_WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MaximumBillingsPercentage_019ca0fb-cad3-7504-afe2-b8df208324a8_terseLabel_en-US" xlink:label="lab_san_MaximumBillingsPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum percentage of appraisal company's total billings to Group</link:label>
    <link:label id="lab_san_MaximumBillingsPercentage_label_en-US" xlink:label="lab_san_MaximumBillingsPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum Billings Percentage</link:label>
    <link:label id="lab_san_MaximumBillingsPercentage_documentation_en-US" xlink:label="lab_san_MaximumBillingsPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maximum percentage of appraisal company's total billings that may be attributable to entity under entity's corporate policy related to independence in twelve month period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MaximumBillingsPercentage" xlink:href="san-20251231.xsd#san_MaximumBillingsPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MaximumBillingsPercentage" xlink:to="lab_san_MaximumBillingsPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProfitLossAttributableToOwnersOfParent_019ca0fb-cbee-7aa9-b33f-7cbcb647821f_terseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossAttributableToOwnersOfParent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Profit/(loss) attributable to the parent</link:label>
    <link:label id="lab_ifrs-full_ProfitLossAttributableToOwnersOfParent_019ca0fb-cbee-75c2-8843-76503c8a16bc_verboseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossAttributableToOwnersOfParent" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Profit (loss) attributable to the Parent</link:label>
    <link:label id="lab_ifrs-full_ProfitLossAttributableToOwnersOfParent_019ca0fb-cbee-7f69-9f62-c647dd1723cd_netLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossAttributableToOwnersOfParent" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Underlying profit attributable to the parent</link:label>
    <link:label id="lab_ifrs-full_ProfitLossAttributableToOwnersOfParent_label_en-US" xlink:label="lab_ifrs-full_ProfitLossAttributableToOwnersOfParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit (loss), attributable to owners of parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProfitLossAttributableToOwnersOfParent" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProfitLossAttributableToOwnersOfParent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProfitLossAttributableToOwnersOfParent" xlink:to="lab_ifrs-full_ProfitLossAttributableToOwnersOfParent" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SharesavePlanMember_019ca0fb-c9cd-7c3a-b3bf-a30d582b172d_terseLabel_en-US" xlink:label="lab_san_SharesavePlanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sharesave plan</link:label>
    <link:label id="lab_san_SharesavePlanMember_label_en-US" xlink:label="lab_san_SharesavePlanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sharesave Plan [Member]</link:label>
    <link:label id="lab_san_SharesavePlanMember_documentation_en-US" xlink:label="lab_san_SharesavePlanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to the Sharesave plans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SharesavePlanMember" xlink:href="san-20251231.xsd#san_SharesavePlanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SharesavePlanMember" xlink:to="lab_san_SharesavePlanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RedemptionOfTreasurySharesParValue_019ca0fb-cc70-7143-a41e-d3a1c75e9f66_terseLabel_en-US" xlink:label="lab_san_RedemptionOfTreasurySharesParValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Redemption of treasury shares, par value</link:label>
    <link:label id="lab_san_RedemptionOfTreasurySharesParValue_label_en-US" xlink:label="lab_san_RedemptionOfTreasurySharesParValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Redemption Of Treasury Shares, Par Value</link:label>
    <link:label id="lab_san_RedemptionOfTreasurySharesParValue_documentation_en-US" xlink:label="lab_san_RedemptionOfTreasurySharesParValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Redemption Of Treasury Shares, Par Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RedemptionOfTreasurySharesParValue" xlink:href="san-20251231.xsd#san_RedemptionOfTreasurySharesParValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RedemptionOfTreasurySharesParValue" xlink:to="lab_san_RedemptionOfTreasurySharesParValue" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonControllingInterestsOtherElementsMember_019ca0fb-cc70-7ad8-b0dd-7db5a20f17d1_terseLabel_en-US" xlink:label="lab_san_NonControllingInterestsOtherElementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-controlling interest, other elements</link:label>
    <link:label id="lab_san_NonControllingInterestsOtherElementsMember_label_en-US" xlink:label="lab_san_NonControllingInterestsOtherElementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non Controlling Interests, Other Elements [Member]</link:label>
    <link:label id="lab_san_NonControllingInterestsOtherElementsMember_documentation_en-US" xlink:label="lab_san_NonControllingInterestsOtherElementsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for equity in a subsidiary not attributable, directly or indirectly, to the parent excluding the amount of accumulated items of income and expense (including reclassification adjustments) that are not recognised in profit or loss.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonControllingInterestsOtherElementsMember" xlink:href="san-20251231.xsd#san_NonControllingInterestsOtherElementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonControllingInterestsOtherElementsMember" xlink:to="lab_san_NonControllingInterestsOtherElementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProvisionsForPreRetirements_019ca0fb-cad3-7efe-a4ba-727289beb248_terseLabel_en-US" xlink:label="lab_san_ProvisionsForPreRetirements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions for pre-retirements</link:label>
    <link:label id="lab_san_ProvisionsForPreRetirements_label_en-US" xlink:label="lab_san_ProvisionsForPreRetirements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provisions For Pre-Retirements</link:label>
    <link:label id="lab_san_ProvisionsForPreRetirements_documentation_en-US" xlink:label="lab_san_ProvisionsForPreRetirements" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Provisions for pre-retirements.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProvisionsForPreRetirements" xlink:href="san-20251231.xsd#san_ProvisionsForPreRetirements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProvisionsForPreRetirements" xlink:to="lab_san_ProvisionsForPreRetirements" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AggregatedIndividuallyImmaterialJointVenturesMember_019ca0fb-ca4d-7958-8ed3-44f16d05ffa2_terseLabel_en-US" xlink:label="lab_ifrs-full_AggregatedIndividuallyImmaterialJointVenturesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other companies</link:label>
    <link:label id="lab_ifrs-full_AggregatedIndividuallyImmaterialJointVenturesMember_label_en-US" xlink:label="lab_ifrs-full_AggregatedIndividuallyImmaterialJointVenturesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregated individually immaterial joint ventures [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AggregatedIndividuallyImmaterialJointVenturesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AggregatedIndividuallyImmaterialJointVenturesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AggregatedIndividuallyImmaterialJointVenturesMember" xlink:to="lab_ifrs-full_AggregatedIndividuallyImmaterialJointVenturesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SalesAndMarketingExpense_019ca0fb-cad3-780d-987e-85a34c53b61d_terseLabel_en-US" xlink:label="lab_ifrs-full_SalesAndMarketingExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Advertising</link:label>
    <link:label id="lab_ifrs-full_SalesAndMarketingExpense_label_en-US" xlink:label="lab_ifrs-full_SalesAndMarketingExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales and marketing expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SalesAndMarketingExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SalesAndMarketingExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SalesAndMarketingExpense" xlink:to="lab_ifrs-full_SalesAndMarketingExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ActiveLoansUnderIAS37Member_019ca0fb-c9cd-75d7-bf50-d51b1362f972_terseLabel_en-US" xlink:label="lab_san_ActiveLoansUnderIAS37Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Active loans, under IAS 37</link:label>
    <link:label id="lab_san_ActiveLoansUnderIAS37Member_label_en-US" xlink:label="lab_san_ActiveLoansUnderIAS37Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Active Loans, Under IAS 37 [Member]</link:label>
    <link:label id="lab_san_ActiveLoansUnderIAS37Member_documentation_en-US" xlink:label="lab_san_ActiveLoansUnderIAS37Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Active Loans, Under IAS 37</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ActiveLoansUnderIAS37Member" xlink:href="san-20251231.xsd#san_ActiveLoansUnderIAS37Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ActiveLoansUnderIAS37Member" xlink:to="lab_san_ActiveLoansUnderIAS37Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsOnDisposalsOfNoncurrentAssets_019ca0fb-cb6b-7995-99cc-4bc7784a8db3_totalLabel_en-US" xlink:label="lab_ifrs-full_GainsOnDisposalsOfNoncurrentAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Gains</link:label>
    <link:label id="lab_ifrs-full_GainsOnDisposalsOfNoncurrentAssets_label_en-US" xlink:label="lab_ifrs-full_GainsOnDisposalsOfNoncurrentAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains on disposals of non-current assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsOnDisposalsOfNoncurrentAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainsOnDisposalsOfNoncurrentAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsOnDisposalsOfNoncurrentAssets" xlink:to="lab_ifrs-full_GainsOnDisposalsOfNoncurrentAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AdvancesToCustomers_019ca0fb-ca4e-74ed-b968-06f2f5560ea5_terseLabel_en-US" xlink:label="lab_san_AdvancesToCustomers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Advances to customers</link:label>
    <link:label id="lab_san_AdvancesToCustomers_label_en-US" xlink:label="lab_san_AdvancesToCustomers" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Advances To Customers</link:label>
    <link:label id="lab_san_AdvancesToCustomers_documentation_en-US" xlink:label="lab_san_AdvancesToCustomers" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Advances to customers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AdvancesToCustomers" xlink:href="san-20251231.xsd#san_AdvancesToCustomers"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AdvancesToCustomers" xlink:to="lab_san_AdvancesToCustomers" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TypeOfAgreementDomain_019ca0fb-c94e-7150-aff5-8ef53ed38a57_terseLabel_en-US" xlink:label="lab_san_TypeOfAgreementDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Type Of Agreement [Domain]</link:label>
    <link:label id="lab_san_TypeOfAgreementDomain_label_en-US" xlink:label="lab_san_TypeOfAgreementDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Type Of Agreement [Domain]</link:label>
    <link:label id="lab_san_TypeOfAgreementDomain_documentation_en-US" xlink:label="lab_san_TypeOfAgreementDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Type Of Agreement [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TypeOfAgreementDomain" xlink:href="san-20251231.xsd#san_TypeOfAgreementDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TypeOfAgreementDomain" xlink:to="lab_san_TypeOfAgreementDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MajorCustomersAxis_019ca0fb-c9cd-7bf6-8600-326cad5b29f3_terseLabel_en-US" xlink:label="lab_ifrs-full_MajorCustomersAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Major customers [axis]</link:label>
    <link:label id="lab_ifrs-full_MajorCustomersAxis_label_en-US" xlink:label="lab_ifrs-full_MajorCustomersAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Major customers [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MajorCustomersAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MajorCustomersAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MajorCustomersAxis" xlink:to="lab_ifrs-full_MajorCustomersAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019ca0fb-ca4e-758e-b3cd-4158ebc341e0_terseLabel_en-US" xlink:label="lab_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">IFRS Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</link:label>
    <link:label id="lab_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_label_en-US" xlink:label="lab_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of IFRS Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]</link:label>
    <link:label id="lab_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_documentation_en-US" xlink:label="lab_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:href="san-20251231.xsd#san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:to="lab_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LiabilitiesSecuredByMortgageBackedBonds_019ca0fb-c9cd-7587-809f-494fbfa9d22a_terseLabel_en-US" xlink:label="lab_san_LiabilitiesSecuredByMortgageBackedBonds" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities secured by mortgage-backed bonds</link:label>
    <link:label id="lab_san_LiabilitiesSecuredByMortgageBackedBonds_label_en-US" xlink:label="lab_san_LiabilitiesSecuredByMortgageBackedBonds" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities Secured By Mortgage-Backed Bonds</link:label>
    <link:label id="lab_san_LiabilitiesSecuredByMortgageBackedBonds_documentation_en-US" xlink:label="lab_san_LiabilitiesSecuredByMortgageBackedBonds" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of liabilities secured by non-asset-backed securities that are, specifically, mortgage-backed bonds held by the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LiabilitiesSecuredByMortgageBackedBonds" xlink:href="san-20251231.xsd#san_LiabilitiesSecuredByMortgageBackedBonds"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LiabilitiesSecuredByMortgageBackedBonds" xlink:to="lab_san_LiabilitiesSecuredByMortgageBackedBonds" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DiscretionaryPensionBenefitComponentPercentage_019ca0fb-cad3-7b0c-9dbc-02f577faae26_terseLabel_en-US" xlink:label="lab_san_DiscretionaryPensionBenefitComponentPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discretionary pension contribution percentage</link:label>
    <link:label id="lab_san_DiscretionaryPensionBenefitComponentPercentage_label_en-US" xlink:label="lab_san_DiscretionaryPensionBenefitComponentPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Discretionary Pension Benefit Component, Percentage</link:label>
    <link:label id="lab_san_DiscretionaryPensionBenefitComponentPercentage_documentation_en-US" xlink:label="lab_san_DiscretionaryPensionBenefitComponentPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Discretionary percentage of total award that could be included in contributions to the pension system.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DiscretionaryPensionBenefitComponentPercentage" xlink:href="san-20251231.xsd#san_DiscretionaryPensionBenefitComponentPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DiscretionaryPensionBenefitComponentPercentage" xlink:to="lab_san_DiscretionaryPensionBenefitComponentPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IFRSUncollateralizedMember_019ca0fb-cad3-74bc-89fe-3b1c0db8b9f9_terseLabel_en-US" xlink:label="lab_san_IFRSUncollateralizedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Without collateral</link:label>
    <link:label id="lab_san_IFRSUncollateralizedMember_019ca0fb-cad3-7a8c-aada-b84aa1d4a3cf_verboseLabel_en-US" xlink:label="lab_san_IFRSUncollateralizedMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Without mortgage collateral</link:label>
    <link:label id="lab_san_IFRSUncollateralizedMember_019ca0fb-cad3-7cbf-8469-ae1da3129c22_netLabel_en-US" xlink:label="lab_san_IFRSUncollateralizedMember" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Non-encumbered assets</link:label>
    <link:label id="lab_san_IFRSUncollateralizedMember_label_en-US" xlink:label="lab_san_IFRSUncollateralizedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS Uncollateralized [Member]</link:label>
    <link:label id="lab_san_IFRSUncollateralizedMember_documentation_en-US" xlink:label="lab_san_IFRSUncollateralizedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to instruments that contain no pledge of specific property to serve as protection or security against default.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IFRSUncollateralizedMember" xlink:href="san-20251231.xsd#san_IFRSUncollateralizedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IFRSUncollateralizedMember" xlink:to="lab_san_IFRSUncollateralizedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency_019ca0fb-ca4e-77ec-b9b1-dc4e1d59d0a8_negatedLabel_en-US" xlink:label="lab_san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">1 % appreciation of euro, effect on consolidated equity</link:label>
    <link:label id="lab_san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency_label_en-US" xlink:label="lab_san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease In Consolidated Equity Due To Reasonably Possible Appreciation Of Entity's Functional Currency</link:label>
    <link:label id="lab_san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency_documentation_en-US" xlink:label="lab_san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The estimated decrease in consolidated equity that would have been caused by an appreciation of entity's functional currency that was reasonably possible at the end of the reporting period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" xlink:href="san-20251231.xsd#san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" xlink:to="lab_san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DefinedBenefitPlansCostOfServicesProvided_019ca0fb-cbee-7601-a4be-a0ef7b09a158_terseLabel_en-US" xlink:label="lab_san_DefinedBenefitPlansCostOfServicesProvided" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cost of services provided</link:label>
    <link:label id="lab_san_DefinedBenefitPlansCostOfServicesProvided_label_en-US" xlink:label="lab_san_DefinedBenefitPlansCostOfServicesProvided" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plans, Cost Of Services Provided</link:label>
    <link:label id="lab_san_DefinedBenefitPlansCostOfServicesProvided_documentation_en-US" xlink:label="lab_san_DefinedBenefitPlansCostOfServicesProvided" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Plans, Cost Of Services Provided</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DefinedBenefitPlansCostOfServicesProvided" xlink:href="san-20251231.xsd#san_DefinedBenefitPlansCostOfServicesProvided"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DefinedBenefitPlansCostOfServicesProvided" xlink:to="lab_san_DefinedBenefitPlansCostOfServicesProvided" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowHedgesMember_019ca0fb-cb6b-71d8-8548-eaf1d299dfe9_terseLabel_en-US" xlink:label="lab_ifrs-full_CashFlowHedgesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash flow hedges</link:label>
    <link:label id="lab_ifrs-full_CashFlowHedgesMember_label_en-US" xlink:label="lab_ifrs-full_CashFlowHedgesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash flow hedges [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowHedgesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CashFlowHedgesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashFlowHedgesMember" xlink:to="lab_ifrs-full_CashFlowHedgesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughBusinessCombinationsMinorityInterest_019ca0fb-c9cd-7b39-befc-21cbee76e489_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughBusinessCombinationsMinorityInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) through business combinations, minority interest</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughBusinessCombinationsMinorityInterest_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughBusinessCombinationsMinorityInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Business Combinations, Minority Interest</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughBusinessCombinationsMinorityInterest_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughBusinessCombinationsMinorityInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Business Combinations, Minority Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughBusinessCombinationsMinorityInterest" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughBusinessCombinationsMinorityInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughBusinessCombinationsMinorityInterest" xlink:to="lab_san_IncreaseDecreaseThroughBusinessCombinationsMinorityInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2023Member_019ca0fb-cad3-7693-9af6-1c2509c01bc5_terseLabel_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2023Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred conditional variable remuneration plan and linked to objectives (2023)</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2023Member_label_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2023Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan And Linked To Objectives 2023 [Member]</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2023Member_documentation_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2023Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan And Linked To Objectives 2023</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2023Member" xlink:href="san-20251231.xsd#san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2023Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2023Member" xlink:to="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2023Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IFRSStandardPoorsBBBRatingMember_019ca0fb-c94e-747c-8ca7-e52c4fd016db_terseLabel_en-US" xlink:label="lab_san_IFRSStandardPoorsBBBRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">BBB</link:label>
    <link:label id="lab_san_IFRSStandardPoorsBBBRatingMember_label_en-US" xlink:label="lab_san_IFRSStandardPoorsBBBRatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS Standard Poors BBB Rating [Member]</link:label>
    <link:label id="lab_san_IFRSStandardPoorsBBBRatingMember_documentation_en-US" xlink:label="lab_san_IFRSStandardPoorsBBBRatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">BBB credit rating as defined by the external credit rating agency, Standard &amp; Poor's.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IFRSStandardPoorsBBBRatingMember" xlink:href="san-20251231.xsd#san_IFRSStandardPoorsBBBRatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IFRSStandardPoorsBBBRatingMember" xlink:to="lab_san_IFRSStandardPoorsBBBRatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInNovember2023FirstSeriesMember_019ca0fb-ca4d-712f-b273-b9fcbedee0a4_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInNovember2023FirstSeriesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Santander, S.A., November 2023</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInNovember2023FirstSeriesMember_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInNovember2023FirstSeriesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In November 2023, First Series [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInNovember2023FirstSeriesMember_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInNovember2023FirstSeriesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In November 2023, First Series</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderSAInNovember2023FirstSeriesMember" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderSAInNovember2023FirstSeriesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderSAInNovember2023FirstSeriesMember" xlink:to="lab_san_IssuanceByBancoSantanderSAInNovember2023FirstSeriesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets_019ca0fb-c9cd-7a1b-8fcb-3926cfe86bf0_terseLabel_en-US" xlink:label="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers into Level 3 of fair value hierarchy, assets</link:label>
    <link:label id="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets_label_en-US" xlink:label="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfers into Level 3 of fair value hierarchy, assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets" xlink:to="lab_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_Inventories_019ca0fb-cbee-70a6-b3c3-ef7259562f8d_terseLabel_en-US" xlink:label="lab_ifrs-full_Inventories" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Inventories</link:label>
    <link:label id="lab_ifrs-full_Inventories_label_en-US" xlink:label="lab_ifrs-full_Inventories" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current inventories</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_Inventories" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_Inventories"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_Inventories" xlink:to="lab_ifrs-full_Inventories" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DeferredTaxAssets_019ca0fb-cbee-716a-85cd-5232532e3456_terseLabel_en-US" xlink:label="lab_ifrs-full_DeferredTaxAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred tax assets</link:label>
    <link:label id="lab_ifrs-full_DeferredTaxAssets_019ca0fb-cbee-768f-8062-e10baaaf8106_periodStartLabel_en-US" xlink:label="lab_ifrs-full_DeferredTaxAssets" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Deferred tax assets at beginning of period</link:label>
    <link:label id="lab_ifrs-full_DeferredTaxAssets_019ca0fb-cbee-743e-a48a-c8316d27dade_periodEndLabel_en-US" xlink:label="lab_ifrs-full_DeferredTaxAssets" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Deferred tax assets at end of period</link:label>
    <link:label id="lab_ifrs-full_DeferredTaxAssets_label_en-US" xlink:label="lab_ifrs-full_DeferredTaxAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred tax assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DeferredTaxAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DeferredTaxAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DeferredTaxAssets" xlink:to="lab_ifrs-full_DeferredTaxAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NoncontrollingInterestsMember_019ca0fb-c94e-73a2-93ca-9171b0b399c6_terseLabel_en-US" xlink:label="lab_ifrs-full_NoncontrollingInterestsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-Controlling interest</link:label>
    <link:label id="lab_ifrs-full_NoncontrollingInterestsMember_label_en-US" xlink:label="lab_ifrs-full_NoncontrollingInterestsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-controlling interests [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NoncontrollingInterestsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NoncontrollingInterestsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NoncontrollingInterestsMember" xlink:to="lab_ifrs-full_NoncontrollingInterestsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests_019ca0fb-cc70-7089-be8e-731267ffe419_terseLabel_en-US" xlink:label="lab_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Attributable to non-controlling interests</link:label>
    <link:label id="lab_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests_label_en-US" xlink:label="lab_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Comprehensive income, attributable to non-controlling interests</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" xlink:to="lab_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CouncilOfTheEUBlacklistMember_019ca0fb-cbee-79dd-b73c-fe25ce505ad4_terseLabel_en-US" xlink:label="lab_san_CouncilOfTheEUBlacklistMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Council of the EU blacklist</link:label>
    <link:label id="lab_san_CouncilOfTheEUBlacklistMember_label_en-US" xlink:label="lab_san_CouncilOfTheEUBlacklistMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Council Of The EU Blacklist [Member]</link:label>
    <link:label id="lab_san_CouncilOfTheEUBlacklistMember_documentation_en-US" xlink:label="lab_san_CouncilOfTheEUBlacklistMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Council Of The EU Blacklist</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CouncilOfTheEUBlacklistMember" xlink:href="san-20251231.xsd#san_CouncilOfTheEUBlacklistMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CouncilOfTheEUBlacklistMember" xlink:to="lab_san_CouncilOfTheEUBlacklistMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RegulatoryCapitalAdjustmentAccruedDividend_019ca0fb-cad3-72ee-b178-50957e9945f3_negatedLabel_en-US" xlink:label="lab_san_RegulatoryCapitalAdjustmentAccruedDividend" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Accrued dividend</link:label>
    <link:label id="lab_san_RegulatoryCapitalAdjustmentAccruedDividend_label_en-US" xlink:label="lab_san_RegulatoryCapitalAdjustmentAccruedDividend" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Regulatory Capital Adjustment, Accrued Dividend</link:label>
    <link:label id="lab_san_RegulatoryCapitalAdjustmentAccruedDividend_documentation_en-US" xlink:label="lab_san_RegulatoryCapitalAdjustmentAccruedDividend" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of accrued dividend that is excluded from regulatory capital.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RegulatoryCapitalAdjustmentAccruedDividend" xlink:href="san-20251231.xsd#san_RegulatoryCapitalAdjustmentAccruedDividend"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RegulatoryCapitalAdjustmentAccruedDividend" xlink:to="lab_san_RegulatoryCapitalAdjustmentAccruedDividend" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderConsumerBankASMember_019ca0fb-c94e-715a-9ab7-b030734e7936_terseLabel_en-US" xlink:label="lab_san_SantanderConsumerBankASMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Consumer Bank AS</link:label>
    <link:label id="lab_san_SantanderConsumerBankASMember_label_en-US" xlink:label="lab_san_SantanderConsumerBankASMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Consumer Bank AS [Member]</link:label>
    <link:label id="lab_san_SantanderConsumerBankASMember_documentation_en-US" xlink:label="lab_san_SantanderConsumerBankASMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Consumer Bank AS</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderConsumerBankASMember" xlink:href="san-20251231.xsd#san_SantanderConsumerBankASMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderConsumerBankASMember" xlink:to="lab_san_SantanderConsumerBankASMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DepreciationRatePropertyPlantAndEquipment_019ca0fb-cb6b-78b0-bbe8-0eceb7576fb6_terseLabel_en-US" xlink:label="lab_ifrs-full_DepreciationRatePropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Depreciation rate, property, plant and equipment</link:label>
    <link:label id="lab_ifrs-full_DepreciationRatePropertyPlantAndEquipment_label_en-US" xlink:label="lab_ifrs-full_DepreciationRatePropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Depreciation rate, property, plant and equipment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DepreciationRatePropertyPlantAndEquipment" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DepreciationRatePropertyPlantAndEquipment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DepreciationRatePropertyPlantAndEquipment" xlink:to="lab_ifrs-full_DepreciationRatePropertyPlantAndEquipment" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LossesOnDisposalsOfNoncurrentAssets_019ca0fb-ca4e-7acf-a121-2da9f67b713c_negatedTotalLabel_en-US" xlink:label="lab_ifrs-full_LossesOnDisposalsOfNoncurrentAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Losses</link:label>
    <link:label id="lab_ifrs-full_LossesOnDisposalsOfNoncurrentAssets_label_en-US" xlink:label="lab_ifrs-full_LossesOnDisposalsOfNoncurrentAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Losses on disposals of non-current assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LossesOnDisposalsOfNoncurrentAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LossesOnDisposalsOfNoncurrentAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LossesOnDisposalsOfNoncurrentAssets" xlink:to="lab_ifrs-full_LossesOnDisposalsOfNoncurrentAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfOtherGeneralAndAdministrativeExpenseTableTextBlock_019ca0fb-cad2-7859-89c7-274d3234fe25_terseLabel_en-US" xlink:label="lab_san_DisclosureOfOtherGeneralAndAdministrativeExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of detail of other general administrative expenses</link:label>
    <link:label id="lab_san_DisclosureOfOtherGeneralAndAdministrativeExpenseTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfOtherGeneralAndAdministrativeExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Other General And Administrative Expense [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfOtherGeneralAndAdministrativeExpenseTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfOtherGeneralAndAdministrativeExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The tabular disclosure of other general and administrative expenses.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfOtherGeneralAndAdministrativeExpenseTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfOtherGeneralAndAdministrativeExpenseTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfOtherGeneralAndAdministrativeExpenseTableTextBlock" xlink:to="lab_san_DisclosureOfOtherGeneralAndAdministrativeExpenseTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DepositsCustomersExcludingPolandDisposalMember_019ca0fb-c94e-7a79-9154-1c4a7efb4386_terseLabel_en-US" xlink:label="lab_san_DepositsCustomersExcludingPolandDisposalMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Customer deposits</link:label>
    <link:label id="lab_san_DepositsCustomersExcludingPolandDisposalMember_label_en-US" xlink:label="lab_san_DepositsCustomersExcludingPolandDisposalMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits Customers, Excluding Poland Disposal [Member]</link:label>
    <link:label id="lab_san_DepositsCustomersExcludingPolandDisposalMember_documentation_en-US" xlink:label="lab_san_DepositsCustomersExcludingPolandDisposalMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deposits Customers, Excluding Poland Disposal</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DepositsCustomersExcludingPolandDisposalMember" xlink:href="san-20251231.xsd#san_DepositsCustomersExcludingPolandDisposalMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DepositsCustomersExcludingPolandDisposalMember" xlink:to="lab_san_DepositsCustomersExcludingPolandDisposalMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory_019ca0fb-cbee-73db-84ae-150403b9041b_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity-instrument-based employee remuneration</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description of accounting policy for share-based payment transactions [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory" xlink:to="lab_ifrs-full_DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ResidentialLoansMember_019ca0fb-ca4e-7202-bcef-7c589dda2990_verboseLabel_en-US" xlink:label="lab_san_ResidentialLoansMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Residential</link:label>
    <link:label id="lab_san_ResidentialLoansMember_019ca0fb-ca4e-72b0-924d-437a805c3ec1_terseLabel_en-US" xlink:label="lab_san_ResidentialLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Residential</link:label>
    <link:label id="lab_san_ResidentialLoansMember_label_en-US" xlink:label="lab_san_ResidentialLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Residential Loans [Member]</link:label>
    <link:label id="lab_san_ResidentialLoansMember_documentation_en-US" xlink:label="lab_san_ResidentialLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for residential loans receivables.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ResidentialLoansMember" xlink:href="san-20251231.xsd#san_ResidentialLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ResidentialLoansMember" xlink:to="lab_san_ResidentialLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RenegotiationAndContractualModificationsMember_019ca0fb-ca4e-766b-b2ec-bfadda65b213_terseLabel_en-US" xlink:label="lab_san_RenegotiationAndContractualModificationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Renegotiation and contractual modifications</link:label>
    <link:label id="lab_san_RenegotiationAndContractualModificationsMember_label_en-US" xlink:label="lab_san_RenegotiationAndContractualModificationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Renegotiation And Contractual Modifications [Member]</link:label>
    <link:label id="lab_san_RenegotiationAndContractualModificationsMember_documentation_en-US" xlink:label="lab_san_RenegotiationAndContractualModificationsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Renegotiation And Contractual Modifications</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RenegotiationAndContractualModificationsMember" xlink:href="san-20251231.xsd#san_RenegotiationAndContractualModificationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RenegotiationAndContractualModificationsMember" xlink:to="lab_san_RenegotiationAndContractualModificationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherGrantedGuaranteesMember_019ca0fb-cad3-7122-8934-9ad932fe085a_terseLabel_en-US" xlink:label="lab_san_OtherGrantedGuaranteesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Technical guarantees</link:label>
    <link:label id="lab_san_OtherGrantedGuaranteesMember_label_en-US" xlink:label="lab_san_OtherGrantedGuaranteesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Granted Guarantees [Member]</link:label>
    <link:label id="lab_san_OtherGrantedGuaranteesMember_documentation_en-US" xlink:label="lab_san_OtherGrantedGuaranteesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other granted guarantees.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherGrantedGuaranteesMember" xlink:href="san-20251231.xsd#san_OtherGrantedGuaranteesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherGrantedGuaranteesMember" xlink:to="lab_san_OtherGrantedGuaranteesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfDepositsFromCentralBanksAndCreditInstitutionsTableTextBlock_019ca0fb-ca4e-7ab9-88c4-9558f2c169f6_terseLabel_en-US" xlink:label="lab_san_ScheduleOfDepositsFromCentralBanksAndCreditInstitutionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of deposits from central banks and credit institutions</link:label>
    <link:label id="lab_san_ScheduleOfDepositsFromCentralBanksAndCreditInstitutionsTableTextBlock_label_en-US" xlink:label="lab_san_ScheduleOfDepositsFromCentralBanksAndCreditInstitutionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Deposits From Central Banks And Credit Institutions [Table Text block]</link:label>
    <link:label id="lab_san_ScheduleOfDepositsFromCentralBanksAndCreditInstitutionsTableTextBlock_documentation_en-US" xlink:label="lab_san_ScheduleOfDepositsFromCentralBanksAndCreditInstitutionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The detail, by classification, counterparty, type and currency, of Deposits from central banks and Deposits from credit institutions in the consolidated balance sheets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfDepositsFromCentralBanksAndCreditInstitutionsTableTextBlock" xlink:href="san-20251231.xsd#san_ScheduleOfDepositsFromCentralBanksAndCreditInstitutionsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfDepositsFromCentralBanksAndCreditInstitutionsTableTextBlock" xlink:to="lab_san_ScheduleOfDepositsFromCentralBanksAndCreditInstitutionsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherDerivativesMember_019ca0fb-cad3-7d75-81b3-5e0b3d5f09c9_terseLabel_en-US" xlink:label="lab_san_OtherDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other derivatives</link:label>
    <link:label id="lab_san_OtherDerivativesMember_label_en-US" xlink:label="lab_san_OtherDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Derivatives [Member]</link:label>
    <link:label id="lab_san_OtherDerivativesMember_documentation_en-US" xlink:label="lab_san_OtherDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for derivative financial instruments that the entity does not separately disclose in the same statement or note.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherDerivativesMember" xlink:href="san-20251231.xsd#san_OtherDerivativesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherDerivativesMember" xlink:to="lab_san_OtherDerivativesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InterestIncomeOnLoansAndAdvancesToBanksAndCreditInstitutions_019ca0fb-c94e-7f8c-9bec-96d64b0af6c1_terseLabel_en-US" xlink:label="lab_san_InterestIncomeOnLoansAndAdvancesToBanksAndCreditInstitutions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances,&#160;central banks and credit institutions</link:label>
    <link:label id="lab_san_InterestIncomeOnLoansAndAdvancesToBanksAndCreditInstitutions_label_en-US" xlink:label="lab_san_InterestIncomeOnLoansAndAdvancesToBanksAndCreditInstitutions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income On Loans And Advances To Banks And Credit Institutions</link:label>
    <link:label id="lab_san_InterestIncomeOnLoansAndAdvancesToBanksAndCreditInstitutions_documentation_en-US" xlink:label="lab_san_InterestIncomeOnLoansAndAdvancesToBanksAndCreditInstitutions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest Income On Loans And Advances To Banks And Credit Institutions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InterestIncomeOnLoansAndAdvancesToBanksAndCreditInstitutions" xlink:href="san-20251231.xsd#san_InterestIncomeOnLoansAndAdvancesToBanksAndCreditInstitutions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InterestIncomeOnLoansAndAdvancesToBanksAndCreditInstitutions" xlink:to="lab_san_InterestIncomeOnLoansAndAdvancesToBanksAndCreditInstitutions" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_NZD_019ca0fb-c9cd-7b0b-b3db-ea858324ea1a_terseLabel_en-US" xlink:label="lab_currency_NZD" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">NZD</link:label>
    <link:label id="lab_currency_NZD_label_en-US" xlink:label="lab_currency_NZD" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">New Zealand, Dollars</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_NZD" xlink:href="https://xbrl.sec.gov/currency/2025/currency-2025.xsd#currency_NZD"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_NZD" xlink:to="lab_currency_NZD" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DecreaseThroughDerecognitionFinancialAssets_019ca0fb-c94e-7449-9605-0deaaaf542bf_verboseLabel_en-US" xlink:label="lab_ifrs-full_DecreaseThroughDerecognitionFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Write-offs</link:label>
    <link:label id="lab_ifrs-full_DecreaseThroughDerecognitionFinancialAssets_019ca0fb-c94e-7c4e-a488-4b3cbc118c86_terseLabel_en-US" xlink:label="lab_ifrs-full_DecreaseThroughDerecognitionFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Write-off of impaired balances against recorded impairment allowance</link:label>
    <link:label id="lab_ifrs-full_DecreaseThroughDerecognitionFinancialAssets_019ca0fb-c94e-7871-931c-6bcd8c85dd92_negatedLabel_en-US" xlink:label="lab_ifrs-full_DecreaseThroughDerecognitionFinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Written-off assets</link:label>
    <link:label id="lab_ifrs-full_DecreaseThroughDerecognitionFinancialAssets_label_en-US" xlink:label="lab_ifrs-full_DecreaseThroughDerecognitionFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease through derecognition, financial assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DecreaseThroughDerecognitionFinancialAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DecreaseThroughDerecognitionFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DecreaseThroughDerecognitionFinancialAssets" xlink:to="lab_ifrs-full_DecreaseThroughDerecognitionFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset_019ca0fb-cbee-7521-ad7a-43ab83288db1_negatedLabel_en-US" xlink:label="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Financial actuarial (gains)/losses</link:label>
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    <link:label id="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from actuarial gains (losses) arising from changes in financial assumptions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForeignExchangeGainLossTransfers_019ca0fb-c94e-7438-8355-da6edf4930e6_terseLabel_en-US" xlink:label="lab_san_ForeignExchangeGainLossTransfers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">From transfers</link:label>
    <link:label id="lab_san_ForeignExchangeGainLossTransfers_label_en-US" xlink:label="lab_san_ForeignExchangeGainLossTransfers" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign Exchange Gain (Loss), Transfers</link:label>
    <link:label id="lab_san_ForeignExchangeGainLossTransfers_documentation_en-US" xlink:label="lab_san_ForeignExchangeGainLossTransfers" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Foreign Exchange Gain (Loss), Transfers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForeignExchangeGainLossTransfers" xlink:href="san-20251231.xsd#san_ForeignExchangeGainLossTransfers"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForeignExchangeGainLossTransfers" xlink:to="lab_san_ForeignExchangeGainLossTransfers" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialInstrumentsLineItems_019ca0fb-cad3-7cc8-a48b-0d29488f55d6_netLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialInstrumentsLineItems" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Financial instruments</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialInstrumentsLineItems_019ca0fb-cad3-7ff9-b473-161168064bba_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialInstrumentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement of financial assets and liabilities and recognition of fair value changes</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialInstrumentsLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialInstrumentsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about financial instruments [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFinancialInstrumentsLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfFinancialInstrumentsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFinancialInstrumentsLineItems" xlink:to="lab_ifrs-full_DisclosureOfFinancialInstrumentsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfChangesInASpecificInvestmentAccountedForUsingEquityMethodTableTextBlock_019ca0fb-cb6b-7bb9-803d-e648753977d0_terseLabel_en-US" xlink:label="lab_san_DisclosureOfChangesInASpecificInvestmentAccountedForUsingEquityMethodTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of changes in investments</link:label>
    <link:label id="lab_san_DisclosureOfChangesInASpecificInvestmentAccountedForUsingEquityMethodTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfChangesInASpecificInvestmentAccountedForUsingEquityMethodTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Changes In A Specific Investment, Accounted For Using Equity Method [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfChangesInASpecificInvestmentAccountedForUsingEquityMethodTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfChangesInASpecificInvestmentAccountedForUsingEquityMethodTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular Disclosure Of Changes in a Specific Investment, Accounted For Using Equity Method.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfChangesInASpecificInvestmentAccountedForUsingEquityMethodTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfChangesInASpecificInvestmentAccountedForUsingEquityMethodTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfChangesInASpecificInvestmentAccountedForUsingEquityMethodTableTextBlock" xlink:to="lab_san_DisclosureOfChangesInASpecificInvestmentAccountedForUsingEquityMethodTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_BuildingsMember_019ca0fb-ca4e-7646-9148-fd25605ad692_terseLabel_en-US" xlink:label="lab_ifrs-full_BuildingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Buildings for own use</link:label>
    <link:label id="lab_ifrs-full_BuildingsMember_label_en-US" xlink:label="lab_ifrs-full_BuildingsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Buildings [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BuildingsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_BuildingsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BuildingsMember" xlink:to="lab_ifrs-full_BuildingsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember_019ca0fb-cb6b-735b-9daf-8fd668e36307_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Inflation rate assumption</link:label>
    <link:label id="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember_label_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Actuarial assumption of expected rates of inflation [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember" xlink:to="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember_019ca0fb-ca4e-7de8-8503-cbd2b6a52e0e_terseLabel_en-US" xlink:label="lab_san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate amounts for entities accounted for using the equity method</link:label>
    <link:label id="lab_san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember_label_en-US" xlink:label="lab_san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate Amounts For Entities Accounted For Using Equity Method [Member]</link:label>
    <link:label id="lab_san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember_documentation_en-US" xlink:label="lab_san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Aggregated information pertaining to entities accounted for using the equity method.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember" xlink:href="san-20251231.xsd#san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember" xlink:to="lab_san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NumberOfInstrumentsOtherEquityInstrumentsGranted_019ca0fb-cbee-7922-9742-6799ba299910_terseLabel_en-US" xlink:label="lab_ifrs-full_NumberOfInstrumentsOtherEquityInstrumentsGranted" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">RSU granted (in shares)</link:label>
    <link:label id="lab_ifrs-full_NumberOfInstrumentsOtherEquityInstrumentsGranted_label_en-US" xlink:label="lab_ifrs-full_NumberOfInstrumentsOtherEquityInstrumentsGranted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number of other equity instruments granted in share-based payment arrangement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NumberOfInstrumentsOtherEquityInstrumentsGranted" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NumberOfInstrumentsOtherEquityInstrumentsGranted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NumberOfInstrumentsOtherEquityInstrumentsGranted" xlink:to="lab_ifrs-full_NumberOfInstrumentsOtherEquityInstrumentsGranted" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InclusionOfGroupEntitiesFairValueMeasurementLiabilities_019ca0fb-cbee-70d2-bafb-64cfaddd642a_terseLabel_en-US" xlink:label="lab_san_InclusionOfGroupEntitiesFairValueMeasurementLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net inclusion, fair value measurement, liabilities</link:label>
    <link:label id="lab_san_InclusionOfGroupEntitiesFairValueMeasurementLiabilities_label_en-US" xlink:label="lab_san_InclusionOfGroupEntitiesFairValueMeasurementLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Inclusion Of Group Entities, Fair Value Measurement, Liabilities</link:label>
    <link:label id="lab_san_InclusionOfGroupEntitiesFairValueMeasurementLiabilities_documentation_en-US" xlink:label="lab_san_InclusionOfGroupEntitiesFairValueMeasurementLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Inclusion Of Group Entities, Fair Value Measurement, Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InclusionOfGroupEntitiesFairValueMeasurementLiabilities" xlink:href="san-20251231.xsd#san_InclusionOfGroupEntitiesFairValueMeasurementLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InclusionOfGroupEntitiesFairValueMeasurementLiabilities" xlink:to="lab_san_InclusionOfGroupEntitiesFairValueMeasurementLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanFourthFifthAndSixthCycleMember_019ca0fb-cad3-769f-b03b-f8e73195ae57_terseLabel_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanFourthFifthAndSixthCycleMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred multiyear objectives variable remuneration plan fourth cycle</link:label>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanFourthFifthAndSixthCycleMember_label_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanFourthFifthAndSixthCycleMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Multiyear Objectives Variable Remuneration Plan Fourth, Fifth And Sixth Cycle [Member]</link:label>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanFourthFifthAndSixthCycleMember_documentation_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanFourthFifthAndSixthCycleMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Multiyear Objectives Variable Remuneration Plan Fourth, Fifth And Sixth Cycle</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredMultiyearObjectivesVariableRemunerationPlanFourthFifthAndSixthCycleMember" xlink:href="san-20251231.xsd#san_DeferredMultiyearObjectivesVariableRemunerationPlanFourthFifthAndSixthCycleMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredMultiyearObjectivesVariableRemunerationPlanFourthFifthAndSixthCycleMember" xlink:to="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanFourthFifthAndSixthCycleMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PortfolioAndOtherManagementFeeIncome_019ca0fb-c94e-7b6d-92af-bf5593d624e4_totalLabel_en-US" xlink:label="lab_ifrs-full_PortfolioAndOtherManagementFeeIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Coming from non-banking financial products</link:label>
    <link:label id="lab_ifrs-full_PortfolioAndOtherManagementFeeIncome_label_en-US" xlink:label="lab_ifrs-full_PortfolioAndOtherManagementFeeIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Portfolio and other management fee income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PortfolioAndOtherManagementFeeIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PortfolioAndOtherManagementFeeIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PortfolioAndOtherManagementFeeIncome" xlink:to="lab_ifrs-full_PortfolioAndOtherManagementFeeIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_LegalEntityAxis_019ca0fb-c94e-7afc-9bb1-a4eb0fbdb4c3_terseLabel_en-US" xlink:label="lab_dei_LegalEntityAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal Entity [Axis]</link:label>
    <link:label id="lab_dei_LegalEntityAxis_label_en-US" xlink:label="lab_dei_LegalEntityAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal Entity [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LegalEntityAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_LegalEntityAxis" xlink:to="lab_dei_LegalEntityAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LiabilitiesSecuredByCoveredBond_019ca0fb-cbee-7a7b-b0d0-2469b598cd02_terseLabel_en-US" xlink:label="lab_san_LiabilitiesSecuredByCoveredBond" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities secured by territorial covered bond</link:label>
    <link:label id="lab_san_LiabilitiesSecuredByCoveredBond_label_en-US" xlink:label="lab_san_LiabilitiesSecuredByCoveredBond" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities Secured By Covered Bond</link:label>
    <link:label id="lab_san_LiabilitiesSecuredByCoveredBond_documentation_en-US" xlink:label="lab_san_LiabilitiesSecuredByCoveredBond" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of liabilities secured by territorial covered bond held by the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LiabilitiesSecuredByCoveredBond" xlink:href="san-20251231.xsd#san_LiabilitiesSecuredByCoveredBond"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LiabilitiesSecuredByCoveredBond" xlink:to="lab_san_LiabilitiesSecuredByCoveredBond" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LocalVolatilityOptionTechniqueMember_019ca0fb-cad3-7fed-9ba5-15ccf3142c6d_terseLabel_en-US" xlink:label="lab_san_LocalVolatilityOptionTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Local volatility</link:label>
    <link:label id="lab_san_LocalVolatilityOptionTechniqueMember_label_en-US" xlink:label="lab_san_LocalVolatilityOptionTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Local Volatility Option Technique [Member]</link:label>
    <link:label id="lab_san_LocalVolatilityOptionTechniqueMember_documentation_en-US" xlink:label="lab_san_LocalVolatilityOptionTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Local Volatility Option Technique</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LocalVolatilityOptionTechniqueMember" xlink:href="san-20251231.xsd#san_LocalVolatilityOptionTechniqueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LocalVolatilityOptionTechniqueMember" xlink:to="lab_san_LocalVolatilityOptionTechniqueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CommercialCreditMember_019ca0fb-c94e-7e84-b169-00921c673615_terseLabel_en-US" xlink:label="lab_san_CommercialCreditMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commercial credit</link:label>
    <link:label id="lab_san_CommercialCreditMember_label_en-US" xlink:label="lab_san_CommercialCreditMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commercial Credit [Member]</link:label>
    <link:label id="lab_san_CommercialCreditMember_documentation_en-US" xlink:label="lab_san_CommercialCreditMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for commercial credit receivables.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CommercialCreditMember" xlink:href="san-20251231.xsd#san_CommercialCreditMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CommercialCreditMember" xlink:to="lab_san_CommercialCreditMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BelenRomanaGarciaMember_019ca0fb-c9cd-7aae-b187-f1a9dd197b50_terseLabel_en-US" xlink:label="lab_san_BelenRomanaGarciaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bel&#233;n Romana</link:label>
    <link:label id="lab_san_BelenRomanaGarciaMember_019ca0fb-c9cd-738f-bc7c-4a0ac23b71cd_verboseLabel_en-US" xlink:label="lab_san_BelenRomanaGarciaMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Bel&#233;n Romana</link:label>
    <link:label id="lab_san_BelenRomanaGarciaMember_label_en-US" xlink:label="lab_san_BelenRomanaGarciaMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Belen Romana Garcia [Member]</link:label>
    <link:label id="lab_san_BelenRomanaGarciaMember_documentation_en-US" xlink:label="lab_san_BelenRomanaGarciaMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The member that represents an individual key personnel named Belen Romana Garcia.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BelenRomanaGarciaMember" xlink:href="san-20251231.xsd#san_BelenRomanaGarciaMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BelenRomanaGarciaMember" xlink:to="lab_san_BelenRomanaGarciaMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PrivateSectorMember_019ca0fb-cad3-75e2-9858-d49c1df05334_terseLabel_en-US" xlink:label="lab_san_PrivateSectorMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Customers excluding the public sector</link:label>
    <link:label id="lab_san_PrivateSectorMember_label_en-US" xlink:label="lab_san_PrivateSectorMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Private Sector [Member]</link:label>
    <link:label id="lab_san_PrivateSectorMember_documentation_en-US" xlink:label="lab_san_PrivateSectorMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents customers defined as private sector. Excludes public sector customers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PrivateSectorMember" xlink:href="san-20251231.xsd#san_PrivateSectorMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PrivateSectorMember" xlink:to="lab_san_PrivateSectorMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity_019ca0fb-c94e-7c7c-9b40-a4cf73844bb2_totalLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Profit (loss) attributable to ordinary equity holders of parent</link:label>
    <link:label id="lab_ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity_label_en-US" xlink:label="lab_ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit (loss), attributable to ordinary equity holders of parent entity, used in calculating basic earnings per share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity" xlink:to="lab_ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_JPY_019ca0fb-cbee-7f5c-8c60-d055f46b6f1b_terseLabel_en-US" xlink:label="lab_currency_JPY" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">JPY</link:label>
    <link:label id="lab_currency_JPY_label_en-US" xlink:label="lab_currency_JPY" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Japan, Yen</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_JPY" xlink:href="https://xbrl.sec.gov/currency/2025/currency-2025.xsd#currency_JPY"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_JPY" xlink:to="lab_currency_JPY" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ActuarialAssumptionOfDiscountRatesMember_019ca0fb-cad3-73a8-a07e-6a1a80a49e85_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfDiscountRatesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discount rate actuarial assumptions</link:label>
    <link:label id="lab_ifrs-full_ActuarialAssumptionOfDiscountRatesMember_label_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfDiscountRatesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Actuarial assumption of discount rates [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialAssumptionOfDiscountRatesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ActuarialAssumptionOfDiscountRatesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ActuarialAssumptionOfDiscountRatesMember" xlink:to="lab_ifrs-full_ActuarialAssumptionOfDiscountRatesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsExplanatory_019ca0fb-c9cd-7270-8799-94362ae9cf35_verboseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsExplanatory" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Schedule of details of hedged exposure/hedged items</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about hedged items [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialLiabilitiesTable_019ca0fb-cc70-7e10-9d94-37b36a752cf8_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialLiabilitiesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of financial liabilities [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialLiabilitiesTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialLiabilitiesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of financial liabilities [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFinancialLiabilitiesTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfFinancialLiabilitiesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFinancialLiabilitiesTable" xlink:to="lab_ifrs-full_DisclosureOfFinancialLiabilitiesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InAugust2024Member_019ca0fb-cad3-7965-b071-7b6eb3383ae1_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InAugust2024Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Santander, S.A., August 2024</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InAugust2024Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InAugust2024Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In August 2024 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InAugust2024Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InAugust2024Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In August 2024</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderS.A.InAugust2024Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderS.A.InAugust2024Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderS.A.InAugust2024Member" xlink:to="lab_san_IssuanceByBancoSantanderS.A.InAugust2024Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderBankNationalAssociationMember_019ca0fb-ca4e-7af9-aa19-b4a595aa9449_terseLabel_en-US" xlink:label="lab_san_SantanderBankNationalAssociationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Bank, National Association</link:label>
    <link:label id="lab_san_SantanderBankNationalAssociationMember_label_en-US" xlink:label="lab_san_SantanderBankNationalAssociationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Bank National Association [Member]</link:label>
    <link:label id="lab_san_SantanderBankNationalAssociationMember_documentation_en-US" xlink:label="lab_san_SantanderBankNationalAssociationMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Santander Bank, National Association, a subsidiary of the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderBankNationalAssociationMember" xlink:href="san-20251231.xsd#san_SantanderBankNationalAssociationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderBankNationalAssociationMember" xlink:to="lab_san_SantanderBankNationalAssociationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset_019ca0fb-c9cd-7efc-b30d-b59a2dfc19b4_negatedLabel_en-US" xlink:label="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Demographic actuarial (gains)/losses</link:label>
    <link:label id="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset_019ca0fb-c9cd-7898-ad56-8ba10b73d3a1_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Demographic actuarial (gains)/losses</link:label>
    <link:label id="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from actuarial gains (losses) arising from changes in demographic assumptions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue_019ca0fb-c9cd-7143-92e3-76f0ab9417a0_terseLabel_en-US" xlink:label="lab_ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Guarantees received committed</link:label>
    <link:label id="lab_ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue_label_en-US" xlink:label="lab_ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateral sold or repledged in absence of default by owner of collateral, at fair value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue" xlink:to="lab_ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedTable_019ca0fb-cad3-704e-a7f0-076ab06972d1_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of financial assets that are either past due or impaired [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of financial assets that are either past due or impaired [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedTable" xlink:to="lab_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentBPAGrowthResult_019ca0fb-cbee-786f-b83d-d46b6e8e323d_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentBPAGrowthResult" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">BPA growth objective, result</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentBPAGrowthResult_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentBPAGrowthResult" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, BPA Growth, Result</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentBPAGrowthResult_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentBPAGrowthResult" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, BPA Growth, Result</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentBPAGrowthResult" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentBPAGrowthResult"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentBPAGrowthResult" xlink:to="lab_san_VariableRemunerationDeferredPaymentBPAGrowthResult" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GeographicalAreasAxis_019ca0fb-cc70-7225-ae98-d25263aad199_terseLabel_en-US" xlink:label="lab_ifrs-full_GeographicalAreasAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Geographical areas [axis]</link:label>
    <link:label id="lab_ifrs-full_GeographicalAreasAxis_label_en-US" xlink:label="lab_ifrs-full_GeographicalAreasAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Geographical areas [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GeographicalAreasAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GeographicalAreasAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GeographicalAreasAxis" xlink:to="lab_ifrs-full_GeographicalAreasAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderConsumo7F.T.Member_019ca0fb-cb6b-7073-81fe-0b8110e7a5e6_terseLabel_en-US" xlink:label="lab_san_SantanderConsumo7F.T.Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Consumo 7, F.T.</link:label>
    <link:label id="lab_san_SantanderConsumo7F.T.Member_label_en-US" xlink:label="lab_san_SantanderConsumo7F.T.Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Consumo 7, F.T. [Member]</link:label>
    <link:label id="lab_san_SantanderConsumo7F.T.Member_documentation_en-US" xlink:label="lab_san_SantanderConsumo7F.T.Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Consumo 7, F.T.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderConsumo7F.T.Member" xlink:href="san-20251231.xsd#san_SantanderConsumo7F.T.Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderConsumo7F.T.Member" xlink:to="lab_san_SantanderConsumo7F.T.Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BusinessCombinationMinimumAcceptancePercentageByShareholdersOfAcquiree_019ca0fb-c94e-7d7a-a461-fb9838a020c7_terseLabel_en-US" xlink:label="lab_san_BusinessCombinationMinimumAcceptancePercentageByShareholdersOfAcquiree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business combination, minimum acceptance percentage by Shareholders of acquiree</link:label>
    <link:label id="lab_san_BusinessCombinationMinimumAcceptancePercentageByShareholdersOfAcquiree_label_en-US" xlink:label="lab_san_BusinessCombinationMinimumAcceptancePercentageByShareholdersOfAcquiree" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Minimum Acceptance Percentage By Shareholders Of Acquiree</link:label>
    <link:label id="lab_san_BusinessCombinationMinimumAcceptancePercentageByShareholdersOfAcquiree_documentation_en-US" xlink:label="lab_san_BusinessCombinationMinimumAcceptancePercentageByShareholdersOfAcquiree" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Minimum Acceptance Percentage By Shareholders Of Acquiree</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BusinessCombinationMinimumAcceptancePercentageByShareholdersOfAcquiree" xlink:href="san-20251231.xsd#san_BusinessCombinationMinimumAcceptancePercentageByShareholdersOfAcquiree"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BusinessCombinationMinimumAcceptancePercentageByShareholdersOfAcquiree" xlink:to="lab_san_BusinessCombinationMinimumAcceptancePercentageByShareholdersOfAcquiree" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonBankSubsidiariesMember_019ca0fb-cad3-7721-aabe-9ca90986a638_terseLabel_en-US" xlink:label="lab_san_NonBankSubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-bank subsidiaries</link:label>
    <link:label id="lab_san_NonBankSubsidiariesMember_label_en-US" xlink:label="lab_san_NonBankSubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non Bank Subsidiaries [Member]</link:label>
    <link:label id="lab_san_NonBankSubsidiariesMember_documentation_en-US" xlink:label="lab_san_NonBankSubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to subsidiaries of the parent which are not banks.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonBankSubsidiariesMember" xlink:href="san-20251231.xsd#san_NonBankSubsidiariesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonBankSubsidiariesMember" xlink:to="lab_san_NonBankSubsidiariesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ConsiderationPaidReceivedInSharesPerShare_019ca0fb-c94e-71e0-a911-b9a8699ea519_terseLabel_en-US" xlink:label="lab_san_ConsiderationPaidReceivedInSharesPerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Portion of consideration paid (received) in shares per share</link:label>
    <link:label id="lab_san_ConsiderationPaidReceivedInSharesPerShare_label_en-US" xlink:label="lab_san_ConsiderationPaidReceivedInSharesPerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consideration Paid (Received), In Shares Per Share</link:label>
    <link:label id="lab_san_ConsiderationPaidReceivedInSharesPerShare_documentation_en-US" xlink:label="lab_san_ConsiderationPaidReceivedInSharesPerShare" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Consideration Paid (Received), In Shares Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ConsiderationPaidReceivedInSharesPerShare" xlink:href="san-20251231.xsd#san_ConsiderationPaidReceivedInSharesPerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ConsiderationPaidReceivedInSharesPerShare" xlink:to="lab_san_ConsiderationPaidReceivedInSharesPerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GainsLossesOnRemeasuringHedgingInstrumentsNotDesignatedBeforeTax_019ca0fb-cbee-740b-8e7f-d09e1868188f_terseLabel_en-US" xlink:label="lab_san_GainsLossesOnRemeasuringHedgingInstrumentsNotDesignatedBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revaluation gains (losses)</link:label>
    <link:label id="lab_san_GainsLossesOnRemeasuringHedgingInstrumentsNotDesignatedBeforeTax_label_en-US" xlink:label="lab_san_GainsLossesOnRemeasuringHedgingInstrumentsNotDesignatedBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (Losses) On Remeasuring Hedging Instruments Not Designated, Before Tax</link:label>
    <link:label id="lab_san_GainsLossesOnRemeasuringHedgingInstrumentsNotDesignatedBeforeTax_documentation_en-US" xlink:label="lab_san_GainsLossesOnRemeasuringHedgingInstrumentsNotDesignatedBeforeTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Gains (Losses) On Remeasuring Hedging Instruments Not Designated, Before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GainsLossesOnRemeasuringHedgingInstrumentsNotDesignatedBeforeTax" xlink:href="san-20251231.xsd#san_GainsLossesOnRemeasuringHedgingInstrumentsNotDesignatedBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GainsLossesOnRemeasuringHedgingInstrumentsNotDesignatedBeforeTax" xlink:to="lab_san_GainsLossesOnRemeasuringHedgingInstrumentsNotDesignatedBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset_019ca0fb-c9cd-776f-8c01-ba5fbf09d803_terseLabel_en-US" xlink:label="lab_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contributions/(surrenders)</link:label>
    <link:label id="lab_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset_019ca0fb-c9cd-79e7-b6fc-83f1cfbaef81_verboseLabel_en-US" xlink:label="lab_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Contributions</link:label>
    <link:label id="lab_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease (increase) in net defined benefit liability (asset) resulting from contributions to plan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCustomersAcquiredPercentage_019ca0fb-cbee-7506-8b27-bbc3b5a69ec4_terseLabel_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCustomersAcquiredPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of customers acquired in Pago Nxt (in percentage)</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCustomersAcquiredPercentage_label_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCustomersAcquiredPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Pago Nxt, Number Of Customers Acquired, Percentage</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCustomersAcquiredPercentage_documentation_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCustomersAcquiredPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Pago Nxt, Number Of Customers Acquired, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCustomersAcquiredPercentage" xlink:href="san-20251231.xsd#san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCustomersAcquiredPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCustomersAcquiredPercentage" xlink:to="lab_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCustomersAcquiredPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IntangibleAssetsAndGoodwillNetOfResidualValue_019ca0fb-ca4e-7ea8-8000-e416df5231d9_negatedLabel_en-US" xlink:label="lab_san_IntangibleAssetsAndGoodwillNetOfResidualValue" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Goodwill and intangible assets</link:label>
    <link:label id="lab_san_IntangibleAssetsAndGoodwillNetOfResidualValue_label_en-US" xlink:label="lab_san_IntangibleAssetsAndGoodwillNetOfResidualValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible Assets And Goodwill, Net Of Residual Value</link:label>
    <link:label id="lab_san_IntangibleAssetsAndGoodwillNetOfResidualValue_documentation_en-US" xlink:label="lab_san_IntangibleAssetsAndGoodwillNetOfResidualValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of intangible assets and goodwill, net of residual value, held by the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IntangibleAssetsAndGoodwillNetOfResidualValue" xlink:href="san-20251231.xsd#san_IntangibleAssetsAndGoodwillNetOfResidualValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IntangibleAssetsAndGoodwillNetOfResidualValue" xlink:to="lab_san_IntangibleAssetsAndGoodwillNetOfResidualValue" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedLiabilitiesNetRedemptionsAndRepurchases_019ca0fb-c9cd-7547-b429-0657d73a630d_negatedLabel_en-US" xlink:label="lab_san_SubordinatedLiabilitiesNetRedemptionsAndRepurchases" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Redemptions and repurchases</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesNetRedemptionsAndRepurchases_label_en-US" xlink:label="lab_san_SubordinatedLiabilitiesNetRedemptionsAndRepurchases" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Liabilities, Net Redemptions And Repurchases</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesNetRedemptionsAndRepurchases_documentation_en-US" xlink:label="lab_san_SubordinatedLiabilitiesNetRedemptionsAndRepurchases" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Liabilities, Net Redemptions And Repurchases</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedLiabilitiesNetRedemptionsAndRepurchases" xlink:href="san-20251231.xsd#san_SubordinatedLiabilitiesNetRedemptionsAndRepurchases"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedLiabilitiesNetRedemptionsAndRepurchases" xlink:to="lab_san_SubordinatedLiabilitiesNetRedemptionsAndRepurchases" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherCashAndCashEquivalents_019ca0fb-cad3-7a47-bbac-ff176b1cb506_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherCashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other financial assets</link:label>
    <link:label id="lab_ifrs-full_OtherCashAndCashEquivalents_label_en-US" xlink:label="lab_ifrs-full_OtherCashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other cash and cash equivalents</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherCashAndCashEquivalents" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherCashAndCashEquivalents"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherCashAndCashEquivalents" xlink:to="lab_ifrs-full_OtherCashAndCashEquivalents" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfUnfavorablyCasesRuledByFederalSupremeCourt_019ca0fb-c94e-7499-a261-644749c3da02_terseLabel_en-US" xlink:label="lab_san_NumberOfUnfavorablyCasesRuledByFederalSupremeCourt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of unfavorably cases ruled by federal supreme court</link:label>
    <link:label id="lab_san_NumberOfUnfavorablyCasesRuledByFederalSupremeCourt_label_en-US" xlink:label="lab_san_NumberOfUnfavorablyCasesRuledByFederalSupremeCourt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Unfavorably Cases Ruled By Federal Supreme Court</link:label>
    <link:label id="lab_san_NumberOfUnfavorablyCasesRuledByFederalSupremeCourt_documentation_en-US" xlink:label="lab_san_NumberOfUnfavorablyCasesRuledByFederalSupremeCourt" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Of Unfavorably Cases Ruled By Federal Supreme Court</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfUnfavorablyCasesRuledByFederalSupremeCourt" xlink:href="san-20251231.xsd#san_NumberOfUnfavorablyCasesRuledByFederalSupremeCourt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfUnfavorablyCasesRuledByFederalSupremeCourt" xlink:to="lab_san_NumberOfUnfavorablyCasesRuledByFederalSupremeCourt" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TimeDepositsMember_019ca0fb-cad3-734f-8906-8e8ba5c3ccef_terseLabel_en-US" xlink:label="lab_san_TimeDepositsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Time deposits</link:label>
    <link:label id="lab_san_TimeDepositsMember_label_en-US" xlink:label="lab_san_TimeDepositsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Time Deposits [Member]</link:label>
    <link:label id="lab_san_TimeDepositsMember_documentation_en-US" xlink:label="lab_san_TimeDepositsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to time deposits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TimeDepositsMember" xlink:href="san-20251231.xsd#san_TimeDepositsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TimeDepositsMember" xlink:to="lab_san_TimeDepositsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill_019ca0fb-cc70-7b69-be1c-cb938ef2024c_terseLabel_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other intangible assets</link:label>
    <link:label id="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill_019ca0fb-cc70-765c-9e89-91722c29cdaa_verboseLabel_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Intangible assets</link:label>
    <link:label id="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill_019ca0fb-cc70-73ef-b692-d4fe8f8fcf7b_periodStartLabel_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Intangible assets, beginning balance</link:label>
    <link:label id="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill_019ca0fb-cc70-793a-b300-ee49b602e293_periodEndLabel_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Intangible assets, end balance</link:label>
    <link:label id="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill_label_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible assets other than goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IntangibleAssetsOtherThanGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IntangibleAssetsOtherThanGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IntangibleAssetsOtherThanGoodwill" xlink:to="lab_ifrs-full_IntangibleAssetsOtherThanGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PeriodOfApprovalSharesaveScheme_019ca0fb-cad3-7b03-96f3-64ee6be335dd_terseLabel_en-US" xlink:label="lab_san_PeriodOfApprovalSharesaveScheme" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Period for approval of the sharesave scheme by UK tax authorities</link:label>
    <link:label id="lab_san_PeriodOfApprovalSharesaveScheme_label_en-US" xlink:label="lab_san_PeriodOfApprovalSharesaveScheme" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Period Of Approval Sharesave Scheme</link:label>
    <link:label id="lab_san_PeriodOfApprovalSharesaveScheme_documentation_en-US" xlink:label="lab_san_PeriodOfApprovalSharesaveScheme" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The period for approval of the Sharesave Scheme by UK tax authorities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PeriodOfApprovalSharesaveScheme" xlink:href="san-20251231.xsd#san_PeriodOfApprovalSharesaveScheme"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PeriodOfApprovalSharesaveScheme" xlink:to="lab_san_PeriodOfApprovalSharesaveScheme" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DepositGuaranteeFundMiscellaneousOtherOperatingExpense_019ca0fb-cad3-7266-89d1-805b75774ab1_negatedLabel_en-US" xlink:label="lab_san_DepositGuaranteeFundMiscellaneousOtherOperatingExpense" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Of which, credit institutions deposit guarantee fund and single resolution fund</link:label>
    <link:label id="lab_san_DepositGuaranteeFundMiscellaneousOtherOperatingExpense_label_en-US" xlink:label="lab_san_DepositGuaranteeFundMiscellaneousOtherOperatingExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposit Guarantee Fund Miscellaneous Other Operating Expense</link:label>
    <link:label id="lab_san_DepositGuaranteeFundMiscellaneousOtherOperatingExpense_documentation_en-US" xlink:label="lab_san_DepositGuaranteeFundMiscellaneousOtherOperatingExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of deposit guarantee fund operating expense that the entity does not separately disclose in the same statement or note.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DepositGuaranteeFundMiscellaneousOtherOperatingExpense" xlink:href="san-20251231.xsd#san_DepositGuaranteeFundMiscellaneousOtherOperatingExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DepositGuaranteeFundMiscellaneousOtherOperatingExpense" xlink:to="lab_san_DepositGuaranteeFundMiscellaneousOtherOperatingExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherFixedIncomeDebtSecuritiesMember_019ca0fb-ca4e-7755-9e69-494b183570c7_terseLabel_en-US" xlink:label="lab_san_OtherFixedIncomeDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other fixed-income securities</link:label>
    <link:label id="lab_san_OtherFixedIncomeDebtSecuritiesMember_label_en-US" xlink:label="lab_san_OtherFixedIncomeDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Fixed Income Debt Securities [Member]</link:label>
    <link:label id="lab_san_OtherFixedIncomeDebtSecuritiesMember_documentation_en-US" xlink:label="lab_san_OtherFixedIncomeDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for other fixed income debt securities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherFixedIncomeDebtSecuritiesMember" xlink:href="san-20251231.xsd#san_OtherFixedIncomeDebtSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherFixedIncomeDebtSecuritiesMember" xlink:to="lab_san_OtherFixedIncomeDebtSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_019ca0fb-c9cd-77cf-9caa-6e2130abe17e_terseLabel_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, plant and equipment by operating lease status [axis]</link:label>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis_label_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, plant and equipment by operating lease status [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis" xlink:to="lab_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SegmentsDomain_019ca0fb-c94e-7dbd-86e6-3038bb48784e_terseLabel_en-US" xlink:label="lab_ifrs-full_SegmentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segments [domain]</link:label>
    <link:label id="lab_ifrs-full_SegmentsDomain_label_en-US" xlink:label="lab_ifrs-full_SegmentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segments [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SegmentsDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SegmentsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SegmentsDomain" xlink:to="lab_ifrs-full_SegmentsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashAndCashEquivalents_019ca0fb-c94e-7a1a-8b06-403368a643a9_verboseLabel_en-US" xlink:label="lab_ifrs-full_CashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">CASH, CASH BALANCES AT CENTRAL BANKS AND OTHER DEPOSITS ON DEMAND</link:label>
    <link:label id="lab_ifrs-full_CashAndCashEquivalents_019ca0fb-c94e-7e5f-a97c-ae30148acab6_totalLabel_en-US" xlink:label="lab_ifrs-full_CashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">TOTAL CASH AND CASH EQUIVALENTS AT END OF THE YEAR (EXCLUDING ENTITIES ON SOLD)</link:label>
    <link:label id="lab_ifrs-full_CashAndCashEquivalents_019ca0fb-c94e-7674-ac9e-3eb89507d6f1_terseLabel_en-US" xlink:label="lab_ifrs-full_CashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash, cash balances at central banks and other deposits on demand</link:label>
    <link:label id="lab_ifrs-full_CashAndCashEquivalents_019ca0fb-c94e-720c-8611-45b070cc7bab_netLabel_en-US" xlink:label="lab_ifrs-full_CashAndCashEquivalents" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Cash, cash balances at central banks and other deposits on demand</link:label>
    <link:label id="lab_ifrs-full_CashAndCashEquivalents_019ca0fb-c94e-76da-865d-e1f151964afc_periodStartLabel_en-US" xlink:label="lab_ifrs-full_CashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">CASH AND CASH EQUIVALENTS AT BEGINNING OF THE YEAR</link:label>
    <link:label id="lab_ifrs-full_CashAndCashEquivalents_019ca0fb-c94e-7f77-bacc-8c1358fe6634_periodEndLabel_en-US" xlink:label="lab_ifrs-full_CashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">CASH AND CASH EQUIVALENTS AT END OF THE YEAR</link:label>
    <link:label id="lab_ifrs-full_CashAndCashEquivalents_label_en-US" xlink:label="lab_ifrs-full_CashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashAndCashEquivalents" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CashAndCashEquivalents"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashAndCashEquivalents" xlink:to="lab_ifrs-full_CashAndCashEquivalents" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DepositMember_019ca0fb-cbee-7dc3-bbdf-79d7ac417f11_terseLabel_en-US" xlink:label="lab_san_DepositMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits</link:label>
    <link:label id="lab_san_DepositMember_label_en-US" xlink:label="lab_san_DepositMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposit [Member]</link:label>
    <link:label id="lab_san_DepositMember_documentation_en-US" xlink:label="lab_san_DepositMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deposit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DepositMember" xlink:href="san-20251231.xsd#san_DepositMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DepositMember" xlink:to="lab_san_DepositMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SCGermanyS.A.CompartmentConsumer20251Member_019ca0fb-cb6b-7b2e-89b4-0ea5c399e8b5_terseLabel_en-US" xlink:label="lab_san_SCGermanyS.A.CompartmentConsumer20251Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SC Austria S.&#224; r.l., Compartment Consumer 2025-1</link:label>
    <link:label id="lab_san_SCGermanyS.A.CompartmentConsumer20251Member_label_en-US" xlink:label="lab_san_SCGermanyS.A.CompartmentConsumer20251Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SC Germany S.A., Compartment Consumer 2025-1 [Member]</link:label>
    <link:label id="lab_san_SCGermanyS.A.CompartmentConsumer20251Member_documentation_en-US" xlink:label="lab_san_SCGermanyS.A.CompartmentConsumer20251Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">SC Germany S.A., Compartment Consumer 2025-1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SCGermanyS.A.CompartmentConsumer20251Member" xlink:href="san-20251231.xsd#san_SCGermanyS.A.CompartmentConsumer20251Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SCGermanyS.A.CompartmentConsumer20251Member" xlink:to="lab_san_SCGermanyS.A.CompartmentConsumer20251Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DecreaseThroughDisposalsFinancialAssets_019ca0fb-cbee-71d4-bcd3-f68cc5699387_negatedLabel_en-US" xlink:label="lab_san_DecreaseThroughDisposalsFinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Disposals</link:label>
    <link:label id="lab_san_DecreaseThroughDisposalsFinancialAssets_label_en-US" xlink:label="lab_san_DecreaseThroughDisposalsFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease Through Disposals, Financial Assets</link:label>
    <link:label id="lab_san_DecreaseThroughDisposalsFinancialAssets_documentation_en-US" xlink:label="lab_san_DecreaseThroughDisposalsFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The decrease in financial assets resulting from disposals.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DecreaseThroughDisposalsFinancialAssets" xlink:href="san-20251231.xsd#san_DecreaseThroughDisposalsFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DecreaseThroughDisposalsFinancialAssets" xlink:to="lab_san_DecreaseThroughDisposalsFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MortgageBackedBondsOutstandingFaceValue_019ca0fb-cad3-7a79-9dfc-bba2e54bdf5b_terseLabel_en-US" xlink:label="lab_san_MortgageBackedBondsOutstandingFaceValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage-backed Bonds, outstanding face value</link:label>
    <link:label id="lab_san_MortgageBackedBondsOutstandingFaceValue_label_en-US" xlink:label="lab_san_MortgageBackedBondsOutstandingFaceValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage-Backed Bonds, Outstanding, Face Value</link:label>
    <link:label id="lab_san_MortgageBackedBondsOutstandingFaceValue_documentation_en-US" xlink:label="lab_san_MortgageBackedBondsOutstandingFaceValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage-Backed Bonds, Outstanding, Face Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MortgageBackedBondsOutstandingFaceValue" xlink:href="san-20251231.xsd#san_MortgageBackedBondsOutstandingFaceValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MortgageBackedBondsOutstandingFaceValue" xlink:to="lab_san_MortgageBackedBondsOutstandingFaceValue" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LongTermIncentivePlanMember_019ca0fb-cb6b-7401-b274-e757a2563105_terseLabel_en-US" xlink:label="lab_san_LongTermIncentivePlanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable remuneration (bonus) - Immediate payment</link:label>
    <link:label id="lab_san_LongTermIncentivePlanMember_label_en-US" xlink:label="lab_san_LongTermIncentivePlanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long Term Incentive Plan [Member]</link:label>
    <link:label id="lab_san_LongTermIncentivePlanMember_documentation_en-US" xlink:label="lab_san_LongTermIncentivePlanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to the Long-term incentive (Performance Share Plan or "ILP").</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LongTermIncentivePlanMember" xlink:href="san-20251231.xsd#san_LongTermIncentivePlanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LongTermIncentivePlanMember" xlink:to="lab_san_LongTermIncentivePlanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DefinedBenefitObligationPensionableBaseDeathOrDisabilityPercentage_019ca0fb-cad2-7b8a-9169-236a1a58ba34_terseLabel_en-US" xlink:label="lab_san_DefinedBenefitObligationPensionableBaseDeathOrDisabilityPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pensionable base, expressed as a percent of fixed remuneration</link:label>
    <link:label id="lab_san_DefinedBenefitObligationPensionableBaseDeathOrDisabilityPercentage_label_en-US" xlink:label="lab_san_DefinedBenefitObligationPensionableBaseDeathOrDisabilityPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Obligation, Pensionable Base, Death Or Disability Percentage</link:label>
    <link:label id="lab_san_DefinedBenefitObligationPensionableBaseDeathOrDisabilityPercentage_documentation_en-US" xlink:label="lab_san_DefinedBenefitObligationPensionableBaseDeathOrDisabilityPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage of fixed remuneration paid out in the event of death or disability of plan participants.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DefinedBenefitObligationPensionableBaseDeathOrDisabilityPercentage" xlink:href="san-20251231.xsd#san_DefinedBenefitObligationPensionableBaseDeathOrDisabilityPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DefinedBenefitObligationPensionableBaseDeathOrDisabilityPercentage" xlink:to="lab_san_DefinedBenefitObligationPensionableBaseDeathOrDisabilityPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RevaluationSurplusMember_019ca0fb-c9cd-7516-8928-383300e6ed2a_terseLabel_en-US" xlink:label="lab_ifrs-full_RevaluationSurplusMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revaluation reserves</link:label>
    <link:label id="lab_ifrs-full_RevaluationSurplusMember_label_en-US" xlink:label="lab_ifrs-full_RevaluationSurplusMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revaluation surplus [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RevaluationSurplusMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RevaluationSurplusMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RevaluationSurplusMember" xlink:to="lab_ifrs-full_RevaluationSurplusMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfTechnicalReportsAndOtherTableTextBlock_019ca0fb-ca4e-7760-a2b3-d97d75f8fe5e_terseLabel_en-US" xlink:label="lab_san_DisclosureOfTechnicalReportsAndOtherTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of technical reports includes the fees paid by various Group companies</link:label>
    <link:label id="lab_san_DisclosureOfTechnicalReportsAndOtherTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfTechnicalReportsAndOtherTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Technical Reports And Other [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfTechnicalReportsAndOtherTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfTechnicalReportsAndOtherTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The tabular disclosure of technical reports includes the fees paid by the various Group companies.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfTechnicalReportsAndOtherTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfTechnicalReportsAndOtherTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfTechnicalReportsAndOtherTableTextBlock" xlink:to="lab_san_DisclosureOfTechnicalReportsAndOtherTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies_019ca0fb-c9cd-7266-80eb-3fc31e36c464_terseLabel_en-US" xlink:label="lab_san_NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of shares owned by third parties managed by Group management companies (in shares)</link:label>
    <link:label id="lab_san_NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies_label_en-US" xlink:label="lab_san_NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Shares Owned By Third Parties Managed By Group Management Companies</link:label>
    <link:label id="lab_san_NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies_documentation_en-US" xlink:label="lab_san_NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of shares owned by third parties and managed by Group management companies or jointly managed.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies" xlink:href="san-20251231.xsd#san_NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies" xlink:to="lab_san_NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets_019ca0fb-cad3-7e0d-a44d-8ba1db90bace_negatedLabel_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">To stage 1 from stage 3</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets_label_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) Through Transfers From Stage 3 To Stage 1 Financial Assets</link:label>
    <link:label id="lab_san_IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) in financial assets resulting from transfers from credit risk stage 3 to stage 1.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" xlink:href="san-20251231.xsd#san_IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" xlink:to="lab_san_IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GainsOrLossesFromHedgeAccountingNet_019ca0fb-cad3-7056-af89-ed085dca812d_terseLabel_en-US" xlink:label="lab_san_GainsOrLossesFromHedgeAccountingNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gain or losses from hedge accounting, net</link:label>
    <link:label id="lab_san_GainsOrLossesFromHedgeAccountingNet_label_en-US" xlink:label="lab_san_GainsOrLossesFromHedgeAccountingNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains Or Losses From Hedge Accounting Net</link:label>
    <link:label id="lab_san_GainsOrLossesFromHedgeAccountingNet_documentation_en-US" xlink:label="lab_san_GainsOrLossesFromHedgeAccountingNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net amount of gains or losses from hedge accounting recognized in profit or loss.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GainsOrLossesFromHedgeAccountingNet" xlink:href="san-20251231.xsd#san_GainsOrLossesFromHedgeAccountingNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GainsOrLossesFromHedgeAccountingNet" xlink:to="lab_san_GainsOrLossesFromHedgeAccountingNet" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredTaxExpenseCreditRecognisedInProfitOrLoss_019ca0fb-c9cd-75db-86b2-252443ba486f_negatedLabel_en-US" xlink:label="lab_san_DeferredTaxExpenseCreditRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">(Charge)/Credit to income</link:label>
    <link:label id="lab_san_DeferredTaxExpenseCreditRecognisedInProfitOrLoss_label_en-US" xlink:label="lab_san_DeferredTaxExpenseCreditRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Expense (Credit) Recognised In Profit Or Loss</link:label>
    <link:label id="lab_san_DeferredTaxExpenseCreditRecognisedInProfitOrLoss_documentation_en-US" xlink:label="lab_san_DeferredTaxExpenseCreditRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of tax income or expense relating to changes in deferred tax liabilities, recognised in profit or loss.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredTaxExpenseCreditRecognisedInProfitOrLoss" xlink:href="san-20251231.xsd#san_DeferredTaxExpenseCreditRecognisedInProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredTaxExpenseCreditRecognisedInProfitOrLoss" xlink:to="lab_san_DeferredTaxExpenseCreditRecognisedInProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital_019ca0fb-cb6b-7bc4-8d03-a558c0e3ef68_terseLabel_en-US" xlink:label="lab_san_SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shares owned by third parties managed by Group management companies, percentage of share capital</link:label>
    <link:label id="lab_san_SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital_label_en-US" xlink:label="lab_san_SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Shares Owned By Third Parties Managed By Group Management Companies, As Percentage Of Total Share Capital</link:label>
    <link:label id="lab_san_SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital_documentation_en-US" xlink:label="lab_san_SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage of shares owned by third parties and managed by Group management companies or jointly managed in relation to total share capital.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital" xlink:href="san-20251231.xsd#san_SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital" xlink:to="lab_san_SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill_019ca0fb-ca4e-7dda-ac61-b4577fcbe450_negatedTerseLabel_en-US" xlink:label="lab_san_AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Amortization and impairment</link:label>
    <link:label id="lab_san_AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill_label_en-US" xlink:label="lab_san_AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortisation And Impairment, Intangible Assets Other Than Goodwill</link:label>
    <link:label id="lab_san_AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill_documentation_en-US" xlink:label="lab_san_AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of amortisation or impairment of intangible assets other than goodwill.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" xlink:href="san-20251231.xsd#san_AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" xlink:to="lab_san_AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentIncrease_019ca0fb-ca4e-7fe5-b1ff-7801c17d076b_terseLabel_en-US" xlink:label="lab_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentIncrease" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sensitivity analysis, perpetuity growth rate adjustment, increase (in basis points)</link:label>
    <link:label id="lab_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentIncrease_label_en-US" xlink:label="lab_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentIncrease" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis, Perpetuity Growth Rate Adjustment, Increase</link:label>
    <link:label id="lab_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentIncrease_documentation_en-US" xlink:label="lab_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentIncrease" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis, Perpetuity Growth Rate Adjustment, Increase</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentIncrease" xlink:href="san-20251231.xsd#san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentIncrease"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentIncrease" xlink:to="lab_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentIncrease" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseInEquityOtherThanComprehensiveIncome_019ca0fb-c94e-7583-9ebf-317211547d15_totalLabel_en-US" xlink:label="lab_san_IncreaseDecreaseInEquityOtherThanComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Other changes in equity</link:label>
    <link:label id="lab_san_IncreaseDecreaseInEquityOtherThanComprehensiveIncome_label_en-US" xlink:label="lab_san_IncreaseDecreaseInEquityOtherThanComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Equity Other Than Comprehensive Income</link:label>
    <link:label id="lab_san_IncreaseDecreaseInEquityOtherThanComprehensiveIncome_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseInEquityOtherThanComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of change in equity resulting from transactions and other events other than those classified as comprehensive income.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseInEquityOtherThanComprehensiveIncome" xlink:href="san-20251231.xsd#san_IncreaseDecreaseInEquityOtherThanComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseInEquityOtherThanComprehensiveIncome" xlink:to="lab_san_IncreaseDecreaseInEquityOtherThanComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseInNonControllingInterestExcludingOtherComprehensiveIncome_019ca0fb-c9cd-78e6-8d94-bb459d044d04_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseInNonControllingInterestExcludingOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_san_IncreaseDecreaseInNonControllingInterestExcludingOtherComprehensiveIncome_label_en-US" xlink:label="lab_san_IncreaseDecreaseInNonControllingInterestExcludingOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Non-Controlling Interest, Excluding Other Comprehensive Income</link:label>
    <link:label id="lab_san_IncreaseDecreaseInNonControllingInterestExcludingOtherComprehensiveIncome_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseInNonControllingInterestExcludingOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase in noncontrolling interest resulting from changes other than other comprehensive income.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseInNonControllingInterestExcludingOtherComprehensiveIncome" xlink:href="san-20251231.xsd#san_IncreaseDecreaseInNonControllingInterestExcludingOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseInNonControllingInterestExcludingOtherComprehensiveIncome" xlink:to="lab_san_IncreaseDecreaseInNonControllingInterestExcludingOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_BusinessCombinationsAxis_019ca0fb-c9cd-7c59-9c10-38b5c22de2cc_terseLabel_en-US" xlink:label="lab_ifrs-full_BusinessCombinationsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business combinations [axis]</link:label>
    <link:label id="lab_ifrs-full_BusinessCombinationsAxis_label_en-US" xlink:label="lab_ifrs-full_BusinessCombinationsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business combinations [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BusinessCombinationsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_BusinessCombinationsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BusinessCombinationsAxis" xlink:to="lab_ifrs-full_BusinessCombinationsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TradingDerivativesMember_019ca0fb-c9cd-7823-bbbd-aded4976da54_terseLabel_en-US" xlink:label="lab_san_TradingDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading derivatives</link:label>
    <link:label id="lab_san_TradingDerivativesMember_label_en-US" xlink:label="lab_san_TradingDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Derivatives [Member]</link:label>
    <link:label id="lab_san_TradingDerivativesMember_documentation_en-US" xlink:label="lab_san_TradingDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Trading Derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TradingDerivativesMember" xlink:href="san-20251231.xsd#san_TradingDerivativesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TradingDerivativesMember" xlink:to="lab_san_TradingDerivativesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InvestmentAbstract_019ca0fb-cb6b-7105-a6bd-7c0ee342895d_terseLabel_en-US" xlink:label="lab_san_InvestmentAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments</link:label>
    <link:label id="lab_san_InvestmentAbstract_label_en-US" xlink:label="lab_san_InvestmentAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment [Abstract]</link:label>
    <link:label id="lab_san_InvestmentAbstract_documentation_en-US" xlink:label="lab_san_InvestmentAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Significant Investments In Associates and Joint Ventures [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InvestmentAbstract" xlink:href="san-20251231.xsd#san_InvestmentAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InvestmentAbstract" xlink:to="lab_san_InvestmentAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PessimisticScenarioTwoMember_019ca0fb-c94e-78f2-8a35-1145bb6e2469_terseLabel_en-US" xlink:label="lab_san_PessimisticScenarioTwoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pessimistic scenario&#160;2</link:label>
    <link:label id="lab_san_PessimisticScenarioTwoMember_label_en-US" xlink:label="lab_san_PessimisticScenarioTwoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pessimistic Scenario Two [Member]</link:label>
    <link:label id="lab_san_PessimisticScenarioTwoMember_documentation_en-US" xlink:label="lab_san_PessimisticScenarioTwoMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to pessimistic scenario two.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PessimisticScenarioTwoMember" xlink:href="san-20251231.xsd#san_PessimisticScenarioTwoMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PessimisticScenarioTwoMember" xlink:to="lab_san_PessimisticScenarioTwoMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_Provisions_019ca0fb-c94e-71f6-9d3a-c06200d33960_terseLabel_en-US" xlink:label="lab_ifrs-full_Provisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PROVISIONS</link:label>
    <link:label id="lab_ifrs-full_Provisions_019d249b-1b1f-7032-9dc2-7b510aa01da7_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_Provisions" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Provisions</link:label>
    <link:label id="lab_ifrs-full_Provisions_019ca0fb-c94e-7070-b2d4-933208653a0f_verboseLabel_en-US" xlink:label="lab_ifrs-full_Provisions" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Provisions</link:label>
    <link:label id="lab_ifrs-full_Provisions_019ca0fb-c94e-7769-a29b-e50a57d4a612_periodStartLabel_en-US" xlink:label="lab_ifrs-full_Provisions" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balances at beginning of year</link:label>
    <link:label id="lab_ifrs-full_Provisions_019ca0fb-c94e-776a-94cd-67a831f7b13e_periodEndLabel_en-US" xlink:label="lab_ifrs-full_Provisions" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balances at end of&#160;year</link:label>
    <link:label id="lab_ifrs-full_Provisions_label_en-US" xlink:label="lab_ifrs-full_Provisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_Provisions" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_Provisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_Provisions" xlink:to="lab_ifrs-full_Provisions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LandAndBuildingsMember_019ca0fb-c94e-72bc-bf0a-bf979f057e70_terseLabel_en-US" xlink:label="lab_ifrs-full_LandAndBuildingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Land and buildings</link:label>
    <link:label id="lab_ifrs-full_LandAndBuildingsMember_label_en-US" xlink:label="lab_ifrs-full_LandAndBuildingsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Land and buildings [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LandAndBuildingsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LandAndBuildingsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LandAndBuildingsMember" xlink:to="lab_ifrs-full_LandAndBuildingsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherCommitmentsMember_019ca0fb-c9cd-7103-be55-bfd8472dcfae_terseLabel_en-US" xlink:label="lab_san_OtherCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other commitments granted</link:label>
    <link:label id="lab_san_OtherCommitmentsMember_label_en-US" xlink:label="lab_san_OtherCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Commitments [Member]</link:label>
    <link:label id="lab_san_OtherCommitmentsMember_documentation_en-US" xlink:label="lab_san_OtherCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to commitments other than loan commitments and financial guarantees.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherCommitmentsMember" xlink:href="san-20251231.xsd#san_OtherCommitmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherCommitmentsMember" xlink:to="lab_san_OtherCommitmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CommissionExpenseRelatedPartyTransactions_019ca0fb-ca4e-705f-b99b-802378d44437_negatedTerseLabel_en-US" xlink:label="lab_san_CommissionExpenseRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Commission expense</link:label>
    <link:label id="lab_san_CommissionExpenseRelatedPartyTransactions_label_en-US" xlink:label="lab_san_CommissionExpenseRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commission Expense, Related Party Transactions</link:label>
    <link:label id="lab_san_CommissionExpenseRelatedPartyTransactions_documentation_en-US" xlink:label="lab_san_CommissionExpenseRelatedPartyTransactions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of commission expense attributable to related party transactions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CommissionExpenseRelatedPartyTransactions" xlink:href="san-20251231.xsd#san_CommissionExpenseRelatedPartyTransactions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CommissionExpenseRelatedPartyTransactions" xlink:to="lab_san_CommissionExpenseRelatedPartyTransactions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DividendAxis_019ca0fb-c9cd-7824-901c-51d4d681f5a9_terseLabel_en-US" xlink:label="lab_san_DividendAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividend [Axis]</link:label>
    <link:label id="lab_san_DividendAxis_label_en-US" xlink:label="lab_san_DividendAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividend [Axis]</link:label>
    <link:label id="lab_san_DividendAxis_documentation_en-US" xlink:label="lab_san_DividendAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Dividend</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DividendAxis" xlink:href="san-20251231.xsd#san_DividendAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DividendAxis" xlink:to="lab_san_DividendAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member_019ca0fb-ca4e-7816-94d2-04f69188a6ea_terseLabel_en-US" xlink:label="lab_san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Agreement For The Sale Of Santander Bank Polska S.A.</link:label>
    <link:label id="lab_san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member_label_en-US" xlink:label="lab_san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Agreement For The Sale Of Santander Bank Polska S.A. [Member]</link:label>
    <link:label id="lab_san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member_documentation_en-US" xlink:label="lab_san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Agreement For The Sale Of Santander Bank Polska S.A.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member" xlink:href="san-20251231.xsd#san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member" xlink:to="lab_san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract_019ca0fb-ca4e-7644-84b4-9d0aa37fc4b0_terseLabel_en-US" xlink:label="lab_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in financial instruments, Assets</link:label>
    <link:label id="lab_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract_label_en-US" xlink:label="lab_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reconciliation of changes in fair value measurement, assets [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract" xlink:to="lab_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments_019ca0fb-cb6b-7d44-9dcf-af277041a0e8_terseLabel_en-US" xlink:label="lab_ifrs-full_ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedges of net investments in foreign operations (Effective portion)</link:label>
    <link:label id="lab_ifrs-full_ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments_label_en-US" xlink:label="lab_ifrs-full_ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reserve of gains and losses on hedging instruments that hedge investments in equity instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" xlink:to="lab_ifrs-full_ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedLiabilitiesInterestPaidInRemunerationOfIssuances_019ca0fb-c9cd-755a-a23d-80ae4511d762_terseLabel_en-US" xlink:label="lab_san_SubordinatedLiabilitiesInterestPaidInRemunerationOfIssuances" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest paid in remuneration of issuances</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesInterestPaidInRemunerationOfIssuances_label_en-US" xlink:label="lab_san_SubordinatedLiabilitiesInterestPaidInRemunerationOfIssuances" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Liabilities, Interest Paid In Remuneration Of Issuances</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesInterestPaidInRemunerationOfIssuances_documentation_en-US" xlink:label="lab_san_SubordinatedLiabilitiesInterestPaidInRemunerationOfIssuances" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Liabilities, Interest Paid In Remuneration Of Issuances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedLiabilitiesInterestPaidInRemunerationOfIssuances" xlink:href="san-20251231.xsd#san_SubordinatedLiabilitiesInterestPaidInRemunerationOfIssuances"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedLiabilitiesInterestPaidInRemunerationOfIssuances" xlink:to="lab_san_SubordinatedLiabilitiesInterestPaidInRemunerationOfIssuances" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ProductsAndServicesDomain_019ca0fb-cb6b-7cc3-91b4-ededb20ae37b_terseLabel_en-US" xlink:label="lab_srt_ProductsAndServicesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Product and Service [Domain]</link:label>
    <link:label id="lab_srt_ProductsAndServicesDomain_label_en-US" xlink:label="lab_srt_ProductsAndServicesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Product and Service [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ProductsAndServicesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ProductsAndServicesDomain" xlink:to="lab_srt_ProductsAndServicesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfProfitDistributionTable_019ca0fb-cb6b-7b27-acfc-1d235a965e9c_terseLabel_en-US" xlink:label="lab_san_ScheduleOfProfitDistributionTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Profit Distribution [Table]</link:label>
    <link:label id="lab_san_ScheduleOfProfitDistributionTable_label_en-US" xlink:label="lab_san_ScheduleOfProfitDistributionTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Profit Distribution [Table]</link:label>
    <link:label id="lab_san_ScheduleOfProfitDistributionTable_documentation_en-US" xlink:label="lab_san_ScheduleOfProfitDistributionTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Profit Distribution [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfProfitDistributionTable" xlink:href="san-20251231.xsd#san_ScheduleOfProfitDistributionTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfProfitDistributionTable" xlink:to="lab_san_ScheduleOfProfitDistributionTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderUKPLCAndSantanderUKGroupHoldingsMember_019ca0fb-c94e-7b2f-a17c-680794cbd7c6_terseLabel_en-US" xlink:label="lab_san_SantanderUKPLCAndSantanderUKGroupHoldingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander UK PLC and Santander UK Group Holdings</link:label>
    <link:label id="lab_san_SantanderUKPLCAndSantanderUKGroupHoldingsMember_label_en-US" xlink:label="lab_san_SantanderUKPLCAndSantanderUKGroupHoldingsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander UK PLC And Santander UK Group Holdings [Member]</link:label>
    <link:label id="lab_san_SantanderUKPLCAndSantanderUKGroupHoldingsMember_documentation_en-US" xlink:label="lab_san_SantanderUKPLCAndSantanderUKGroupHoldingsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander UK PLC And Santander UK Group Holdings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderUKPLCAndSantanderUKGroupHoldingsMember" xlink:href="san-20251231.xsd#san_SantanderUKPLCAndSantanderUKGroupHoldingsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderUKPLCAndSantanderUKGroupHoldingsMember" xlink:to="lab_san_SantanderUKPLCAndSantanderUKGroupHoldingsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfMarketableDebtSecuritiesTableTextBlock_019ca0fb-cbee-77cc-9f32-c3e2012643d1_terseLabel_en-US" xlink:label="lab_san_ScheduleOfMarketableDebtSecuritiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of marketable securities</link:label>
    <link:label id="lab_san_ScheduleOfMarketableDebtSecuritiesTableTextBlock_label_en-US" xlink:label="lab_san_ScheduleOfMarketableDebtSecuritiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Marketable Debt Securities [Table Text block]</link:label>
    <link:label id="lab_san_ScheduleOfMarketableDebtSecuritiesTableTextBlock_documentation_en-US" xlink:label="lab_san_ScheduleOfMarketableDebtSecuritiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The detail, by classification and type, of Marketable debt securities .</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfMarketableDebtSecuritiesTableTextBlock" xlink:href="san-20251231.xsd#san_ScheduleOfMarketableDebtSecuritiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfMarketableDebtSecuritiesTableTextBlock" xlink:to="lab_san_ScheduleOfMarketableDebtSecuritiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansPercentageSecuredByMortgage_019ca0fb-cb6b-766b-bf34-acbc060ccc28_terseLabel_en-US" xlink:label="lab_san_LoansPercentageSecuredByMortgage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage secured by mortgage</link:label>
    <link:label id="lab_san_LoansPercentageSecuredByMortgage_label_en-US" xlink:label="lab_san_LoansPercentageSecuredByMortgage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans, Percentage Secured By Mortgage</link:label>
    <link:label id="lab_san_LoansPercentageSecuredByMortgage_documentation_en-US" xlink:label="lab_san_LoansPercentageSecuredByMortgage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of loans secured by mortgage.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansPercentageSecuredByMortgage" xlink:href="san-20251231.xsd#san_LoansPercentageSecuredByMortgage"/>
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    <link:label id="lab_ifrs-full_IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome_019ca0fb-ca4d-7dd0-b0e2-7f2d5e58442a_terseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities at fair value with changes in results attributable to changes in credit risk</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income tax relating to changes in fair value of financial liability attributable to change in credit risk of liability included in other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome"/>
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    <link:label id="lab_ifrs-full_DisclosureOfAttributionOfExpensesByNatureToTheirFunctionTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfAttributionOfExpensesByNatureToTheirFunctionTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of attribution of expenses by nature to their function [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfAttributionOfExpensesByNatureToTheirFunctionTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfAttributionOfExpensesByNatureToTheirFunctionTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfAttributionOfExpensesByNatureToTheirFunctionTable" xlink:to="lab_ifrs-full_DisclosureOfAttributionOfExpensesByNatureToTheirFunctionTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems_019ca0fb-cb6b-70c5-8f24-168362aa929d_terseLabel_en-US" xlink:label="lab_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure Of Other Equity Instruments And Own Shares [Line Items]</link:label>
    <link:label id="lab_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems_label_en-US" xlink:label="lab_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Other Equity Instruments And Own Shares [Line Items]</link:label>
    <link:label id="lab_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems_documentation_en-US" xlink:label="lab_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Other Equity Instruments And Own Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems" xlink:href="san-20251231.xsd#san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems" xlink:to="lab_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RateForWhichGroupHoldingInACompanyIsConsideredSignificantPercent_019ca0fb-cad3-738c-bdcd-880b30464016_terseLabel_en-US" xlink:label="lab_san_RateForWhichGroupHoldingInACompanyIsConsideredSignificantPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rate for which company is considered significant (in percentage)</link:label>
    <link:label id="lab_san_RateForWhichGroupHoldingInACompanyIsConsideredSignificantPercent_label_en-US" xlink:label="lab_san_RateForWhichGroupHoldingInACompanyIsConsideredSignificantPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Rate For Which Group Holding In A Company Is Considered Significant, Percent</link:label>
    <link:label id="lab_san_RateForWhichGroupHoldingInACompanyIsConsideredSignificantPercent_documentation_en-US" xlink:label="lab_san_RateForWhichGroupHoldingInACompanyIsConsideredSignificantPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Rate For Which Group Holding In A Company Is Considered Significant, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RateForWhichGroupHoldingInACompanyIsConsideredSignificantPercent" xlink:href="san-20251231.xsd#san_RateForWhichGroupHoldingInACompanyIsConsideredSignificantPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RateForWhichGroupHoldingInACompanyIsConsideredSignificantPercent" xlink:to="lab_san_RateForWhichGroupHoldingInACompanyIsConsideredSignificantPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedLiabilitiesInterestRate_019ca0fb-ca4e-733f-a86f-5552de69143f_terseLabel_en-US" xlink:label="lab_san_SubordinatedLiabilitiesInterestRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Annual interest rate</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesInterestRate_label_en-US" xlink:label="lab_san_SubordinatedLiabilitiesInterestRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Liabilities, Interest Rate</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesInterestRate_documentation_en-US" xlink:label="lab_san_SubordinatedLiabilitiesInterestRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Annual interest rate of the subordinated liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedLiabilitiesInterestRate" xlink:href="san-20251231.xsd#san_SubordinatedLiabilitiesInterestRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedLiabilitiesInterestRate" xlink:to="lab_san_SubordinatedLiabilitiesInterestRate" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MaturityAnalysisForNonderivativeFinancialLiabilities_019ca0fb-cb6b-7d0a-88fc-9469cf9d8497_terseLabel_en-US" xlink:label="lab_ifrs-full_MaturityAnalysisForNonderivativeFinancialLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of maturity analysis of debt instruments, book value and notional amounts</link:label>
    <link:label id="lab_ifrs-full_MaturityAnalysisForNonderivativeFinancialLiabilities_019ca0fb-cb6b-7815-8abc-1a557871576e_verboseLabel_en-US" xlink:label="lab_ifrs-full_MaturityAnalysisForNonderivativeFinancialLiabilities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of maturity analysis for non-derivative financial liabilities</link:label>
    <link:label id="lab_ifrs-full_MaturityAnalysisForNonderivativeFinancialLiabilities_label_en-US" xlink:label="lab_ifrs-full_MaturityAnalysisForNonderivativeFinancialLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of maturity analysis for non-derivative financial liabilities [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MaturityAnalysisForNonderivativeFinancialLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MaturityAnalysisForNonderivativeFinancialLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MaturityAnalysisForNonderivativeFinancialLiabilities" xlink:to="lab_ifrs-full_MaturityAnalysisForNonderivativeFinancialLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation_019ca0fb-c94e-7a00-8092-a5df4d657b56_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cumulative annual CPI growth</link:label>
    <link:label id="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation_label_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Actuarial assumption of expected rates of inflation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation"/>
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    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentNotSubjectToOperatingLeasesMember_019ca0fb-cad3-7a15-beeb-096f9772e08a_terseLabel_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentNotSubjectToOperatingLeasesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">For own-use</link:label>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentNotSubjectToOperatingLeasesMember_label_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentNotSubjectToOperatingLeasesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, plant and equipment not subject to operating leases [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PropertyPlantAndEquipmentNotSubjectToOperatingLeasesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PropertyPlantAndEquipmentNotSubjectToOperatingLeasesMember"/>
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    <link:label id="lab_ifrs-full_NumberOfShareOptionsExpiredInSharebasedPaymentArrangement_019ca0fb-ca4e-711e-9688-001be727a4d2_negatedLabel_en-US" xlink:label="lab_ifrs-full_NumberOfShareOptionsExpiredInSharebasedPaymentArrangement" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Options cancelled (net) or not exercised (in shares)</link:label>
    <link:label id="lab_ifrs-full_NumberOfShareOptionsExpiredInSharebasedPaymentArrangement_label_en-US" xlink:label="lab_ifrs-full_NumberOfShareOptionsExpiredInSharebasedPaymentArrangement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number of share options expired in share-based payment arrangement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NumberOfShareOptionsExpiredInSharebasedPaymentArrangement" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NumberOfShareOptionsExpiredInSharebasedPaymentArrangement"/>
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    <link:label id="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossAbstract_019ca0fb-ca4e-7be7-ba00-fa05593f4591_terseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossAbstract_label_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income tax relating to components of other comprehensive income that will not be reclassified to profit or loss [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossAbstract"/>
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    <link:label id="lab_san_NumberOfAssociatesJointVenturesOrListedCompaniesOfWhichEntityHoldsMoreThanFivePercentInterest_019ca0fb-cad3-74b8-9aa9-801a71f93021_terseLabel_en-US" xlink:label="lab_san_NumberOfAssociatesJointVenturesOrListedCompaniesOfWhichEntityHoldsMoreThanFivePercentInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of other components</link:label>
    <link:label id="lab_san_NumberOfAssociatesJointVenturesOrListedCompaniesOfWhichEntityHoldsMoreThanFivePercentInterest_label_en-US" xlink:label="lab_san_NumberOfAssociatesJointVenturesOrListedCompaniesOfWhichEntityHoldsMoreThanFivePercentInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Associates, Joint Ventures Or Listed Companies Of Which The Entity Holds More Than Five Percent Interest</link:label>
    <link:label id="lab_san_NumberOfAssociatesJointVenturesOrListedCompaniesOfWhichEntityHoldsMoreThanFivePercentInterest_documentation_en-US" xlink:label="lab_san_NumberOfAssociatesJointVenturesOrListedCompaniesOfWhichEntityHoldsMoreThanFivePercentInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of associates, joint ventures or list companies of which the entity owns more than 5% interest.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfAssociatesJointVenturesOrListedCompaniesOfWhichEntityHoldsMoreThanFivePercentInterest" xlink:href="san-20251231.xsd#san_NumberOfAssociatesJointVenturesOrListedCompaniesOfWhichEntityHoldsMoreThanFivePercentInterest"/>
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    <link:label id="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsExplanatory_019ca0fb-cb6b-7324-95b1-3c7cfbfc8a09_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of details of hedging instruments</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about hedging instruments [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InterestRateRiskMember_019ca0fb-c9cd-74f3-998e-0abaa98ec079_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate risk</link:label>
    <link:label id="lab_ifrs-full_InterestRateRiskMember_019ca0fb-c9cd-75f3-b029-c1c497104f39_verboseLabel_en-US" xlink:label="lab_ifrs-full_InterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Interest rate</link:label>
    <link:label id="lab_ifrs-full_InterestRateRiskMember_label_en-US" xlink:label="lab_ifrs-full_InterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest rate risk [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestRateRiskMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InterestRateRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestRateRiskMember" xlink:to="lab_ifrs-full_InterestRateRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CommonEquityTierOneCapitalCountercyclicalBufferPercentage_019ca0fb-c94e-747e-b244-7238c1195558_terseLabel_en-US" xlink:label="lab_san_CommonEquityTierOneCapitalCountercyclicalBufferPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of anti cyclical buffer on common equity Tier1 capital</link:label>
    <link:label id="lab_san_CommonEquityTierOneCapitalCountercyclicalBufferPercentage_label_en-US" xlink:label="lab_san_CommonEquityTierOneCapitalCountercyclicalBufferPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Equity Tier One Capital Countercyclical Buffer Percentage</link:label>
    <link:label id="lab_san_CommonEquityTierOneCapitalCountercyclicalBufferPercentage_documentation_en-US" xlink:label="lab_san_CommonEquityTierOneCapitalCountercyclicalBufferPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of countercyclical buffer on common equity Tier1 capital.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CommonEquityTierOneCapitalCountercyclicalBufferPercentage" xlink:href="san-20251231.xsd#san_CommonEquityTierOneCapitalCountercyclicalBufferPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CommonEquityTierOneCapitalCountercyclicalBufferPercentage" xlink:to="lab_san_CommonEquityTierOneCapitalCountercyclicalBufferPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RevenueFromDividends_019ca0fb-c9cd-7ee1-a308-5ab5907cf015_terseLabel_en-US" xlink:label="lab_ifrs-full_RevenueFromDividends" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividend income</link:label>
    <link:label id="lab_ifrs-full_RevenueFromDividends_label_en-US" xlink:label="lab_ifrs-full_RevenueFromDividends" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividend income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RevenueFromDividends" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RevenueFromDividends"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RevenueFromDividends" xlink:to="lab_ifrs-full_RevenueFromDividends" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderPortugalMember_019ca0fb-c94e-7174-96a9-fb0555015f28_terseLabel_en-US" xlink:label="lab_san_SantanderPortugalMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Portugal</link:label>
    <link:label id="lab_san_SantanderPortugalMember_label_en-US" xlink:label="lab_san_SantanderPortugalMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Portugal [Member]</link:label>
    <link:label id="lab_san_SantanderPortugalMember_documentation_en-US" xlink:label="lab_san_SantanderPortugalMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to Santander Portugal.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderPortugalMember" xlink:href="san-20251231.xsd#san_SantanderPortugalMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderPortugalMember" xlink:to="lab_san_SantanderPortugalMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_UnrecognizedNetAssetsForPensions_019ca0fb-c9cd-760d-a3e8-338837ba7e7c_negatedLabel_en-US" xlink:label="lab_san_UnrecognizedNetAssetsForPensions" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Unrecognised net assets for pensions</link:label>
    <link:label id="lab_san_UnrecognizedNetAssetsForPensions_label_en-US" xlink:label="lab_san_UnrecognizedNetAssetsForPensions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Net Assets For Pensions</link:label>
    <link:label id="lab_san_UnrecognizedNetAssetsForPensions_documentation_en-US" xlink:label="lab_san_UnrecognizedNetAssetsForPensions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Unrecognized net assets for pensions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_UnrecognizedNetAssetsForPensions" xlink:href="san-20251231.xsd#san_UnrecognizedNetAssetsForPensions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_UnrecognizedNetAssetsForPensions" xlink:to="lab_san_UnrecognizedNetAssetsForPensions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TheInnovationAndTechnologyCommitteeChairmanMember_019ca0fb-c94e-796f-8c9c-8ef16cda46b3_terseLabel_en-US" xlink:label="lab_san_TheInnovationAndTechnologyCommitteeChairmanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Chair of the innovation and technology committee</link:label>
    <link:label id="lab_san_TheInnovationAndTechnologyCommitteeChairmanMember_label_en-US" xlink:label="lab_san_TheInnovationAndTechnologyCommitteeChairmanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">The Innovation And Technology Committee, Chairman [Member]</link:label>
    <link:label id="lab_san_TheInnovationAndTechnologyCommitteeChairmanMember_documentation_en-US" xlink:label="lab_san_TheInnovationAndTechnologyCommitteeChairmanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The Innovation And Technology Committee, Chairman</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TheInnovationAndTechnologyCommitteeChairmanMember" xlink:href="san-20251231.xsd#san_TheInnovationAndTechnologyCommitteeChairmanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TheInnovationAndTechnologyCommitteeChairmanMember" xlink:to="lab_san_TheInnovationAndTechnologyCommitteeChairmanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationWelfareSystemTableTextBlock_019ca0fb-cbee-773b-9850-4d09877ab6a0_terseLabel_en-US" xlink:label="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationWelfareSystemTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule summarising remuneration related to welfare system</link:label>
    <link:label id="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationWelfareSystemTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationWelfareSystemTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Transactions Between Related Parties, Remuneration, Welfare System [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationWelfareSystemTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationWelfareSystemTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of remuneration by director between the entity and its related parties related to specified welfare system.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationWelfareSystemTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationWelfareSystemTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationWelfareSystemTableTextBlock" xlink:to="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationWelfareSystemTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedLiabilitiesPreferenceSharesSecondSeriesMember_019ca0fb-cad3-7d0f-aa2d-14d8e8aa7147_terseLabel_en-US" xlink:label="lab_san_SubordinatedLiabilitiesPreferenceSharesSecondSeriesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated Liabilities, Preference Shares, Second Series</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesPreferenceSharesSecondSeriesMember_label_en-US" xlink:label="lab_san_SubordinatedLiabilitiesPreferenceSharesSecondSeriesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Liabilities, Preference Shares, Second Series [Member]</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesPreferenceSharesSecondSeriesMember_documentation_en-US" xlink:label="lab_san_SubordinatedLiabilitiesPreferenceSharesSecondSeriesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Liabilities, Preference Shares, Second Series</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedLiabilitiesPreferenceSharesSecondSeriesMember" xlink:href="san-20251231.xsd#san_SubordinatedLiabilitiesPreferenceSharesSecondSeriesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedLiabilitiesPreferenceSharesSecondSeriesMember" xlink:to="lab_san_SubordinatedLiabilitiesPreferenceSharesSecondSeriesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DevelopedLandCollateralMember_019ca0fb-cb6b-7a91-bed3-3e9d287df9c6_terseLabel_en-US" xlink:label="lab_san_DevelopedLandCollateralMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Developed consolidated land</link:label>
    <link:label id="lab_san_DevelopedLandCollateralMember_label_en-US" xlink:label="lab_san_DevelopedLandCollateralMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Developed Land Collateral [Member]</link:label>
    <link:label id="lab_san_DevelopedLandCollateralMember_documentation_en-US" xlink:label="lab_san_DevelopedLandCollateralMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for collateral in the form of developed land.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DevelopedLandCollateralMember" xlink:href="san-20251231.xsd#san_DevelopedLandCollateralMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DevelopedLandCollateralMember" xlink:to="lab_san_DevelopedLandCollateralMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageOfTheRegistryExpensesToBePaid_019ca0fb-c94e-7e06-80d8-159ec2b3cda0_terseLabel_en-US" xlink:label="lab_san_PercentageOfTheRegistryExpensesToBePaid" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of the registry expenses to be paid</link:label>
    <link:label id="lab_san_PercentageOfTheRegistryExpensesToBePaid_label_en-US" xlink:label="lab_san_PercentageOfTheRegistryExpensesToBePaid" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of The Registry Expenses To Be Paid</link:label>
    <link:label id="lab_san_PercentageOfTheRegistryExpensesToBePaid_documentation_en-US" xlink:label="lab_san_PercentageOfTheRegistryExpensesToBePaid" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage Of The Registry Expenses To Be Paid</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageOfTheRegistryExpensesToBePaid" xlink:href="san-20251231.xsd#san_PercentageOfTheRegistryExpensesToBePaid"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageOfTheRegistryExpensesToBePaid" xlink:to="lab_san_PercentageOfTheRegistryExpensesToBePaid" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonCurrentAssetsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossBeforeTax_019ca0fb-cbee-78e6-a875-fb52dba0ea51_negatedTerseLabel_en-US" xlink:label="lab_san_NonCurrentAssetsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Non-current assets held for sale</link:label>
    <link:label id="lab_san_NonCurrentAssetsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossBeforeTax_label_en-US" xlink:label="lab_san_NonCurrentAssetsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Current Assets Held-For-Sale That Will Not Be Reclassified To Profit Or Loss, Before Tax</link:label>
    <link:label id="lab_san_NonCurrentAssetsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossBeforeTax_documentation_en-US" xlink:label="lab_san_NonCurrentAssetsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non-Current Assets Held-For-Sale That Will Not Be Reclassified To Profit Or Loss, Before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonCurrentAssetsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossBeforeTax" xlink:href="san-20251231.xsd#san_NonCurrentAssetsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonCurrentAssetsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossBeforeTax" xlink:to="lab_san_NonCurrentAssetsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanFiveYearsMember_019ca0fb-cad3-779e-be73-adb8306f2640_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">More&#160;than&#160;5 years</link:label>
    <link:label id="lab_ifrs-full_LaterThanFiveYearsMember_019ca0fb-cad3-7d0e-91a8-9f313deba3d1_verboseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Later than 5 years</link:label>
    <link:label id="lab_ifrs-full_LaterThanFiveYearsMember_019ca0fb-cad3-7616-92a6-f2da943de707_netLabel_en-US" xlink:label="lab_ifrs-full_LaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">More&#160;than five years</link:label>
    <link:label id="lab_ifrs-full_LaterThanFiveYearsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanFiveYearsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Later than five years [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanFiveYearsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LaterThanFiveYearsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanFiveYearsMember" xlink:to="lab_ifrs-full_LaterThanFiveYearsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InflationSwapContractMember_019ca0fb-cad3-7ca4-9eb6-d616f297c91d_terseLabel_en-US" xlink:label="lab_san_InflationSwapContractMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Inflation swap</link:label>
    <link:label id="lab_san_InflationSwapContractMember_label_en-US" xlink:label="lab_san_InflationSwapContractMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Inflation Swap Contract [Member]</link:label>
    <link:label id="lab_san_InflationSwapContractMember_documentation_en-US" xlink:label="lab_san_InflationSwapContractMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Inflation Swap Contract</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InflationSwapContractMember" xlink:href="san-20251231.xsd#san_InflationSwapContractMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InflationSwapContractMember" xlink:to="lab_san_InflationSwapContractMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OutflowsOfCashFromInvestingActivities_019ca0fb-cbee-7065-9a14-e5a2bc978aad_totalLabel_en-US" xlink:label="lab_ifrs-full_OutflowsOfCashFromInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Payments</link:label>
    <link:label id="lab_ifrs-full_OutflowsOfCashFromInvestingActivities_019ca0fb-cbee-720b-ae7f-133e6d1ce811_negatedLabel_en-US" xlink:label="lab_ifrs-full_OutflowsOfCashFromInvestingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Investments (-)</link:label>
    <link:label id="lab_ifrs-full_OutflowsOfCashFromInvestingActivities_label_en-US" xlink:label="lab_ifrs-full_OutflowsOfCashFromInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Outflows of cash from investing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OutflowsOfCashFromInvestingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OutflowsOfCashFromInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OutflowsOfCashFromInvestingActivities" xlink:to="lab_ifrs-full_OutflowsOfCashFromInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfFinancialAssetsDomain_019ca0fb-ca4e-75d6-8186-dde81392eed8_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfFinancialAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of financial assets [domain]</link:label>
    <link:label id="lab_ifrs-full_ClassesOfFinancialAssetsDomain_label_en-US" xlink:label="lab_ifrs-full_ClassesOfFinancialAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of financial assets [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfFinancialAssetsDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfFinancialAssetsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfFinancialAssetsDomain" xlink:to="lab_ifrs-full_ClassesOfFinancialAssetsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ItemsInCourseOfTransmissionToOtherBanks_019ca0fb-cb6b-72a7-8ee7-f3c89ed9c310_terseLabel_en-US" xlink:label="lab_ifrs-full_ItemsInCourseOfTransmissionToOtherBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Clearing houses</link:label>
    <link:label id="lab_ifrs-full_ItemsInCourseOfTransmissionToOtherBanks_label_en-US" xlink:label="lab_ifrs-full_ItemsInCourseOfTransmissionToOtherBanks" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Items in course of transmission to other banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ItemsInCourseOfTransmissionToOtherBanks" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ItemsInCourseOfTransmissionToOtherBanks"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ItemsInCourseOfTransmissionToOtherBanks" xlink:to="lab_ifrs-full_ItemsInCourseOfTransmissionToOtherBanks" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InnovationAndTechnologyCommitteeMember_019ca0fb-cbee-7deb-ba83-ddb00e501e48_terseLabel_en-US" xlink:label="lab_san_InnovationAndTechnologyCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Members of the innovation and technology committee</link:label>
    <link:label id="lab_san_InnovationAndTechnologyCommitteeMember_019ca0fb-cbee-7326-a713-c114ef7fc6cb_verboseLabel_en-US" xlink:label="lab_san_InnovationAndTechnologyCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Innovation and technology committee</link:label>
    <link:label id="lab_san_InnovationAndTechnologyCommitteeMember_label_en-US" xlink:label="lab_san_InnovationAndTechnologyCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Innovation And Technology Committee [Member]</link:label>
    <link:label id="lab_san_InnovationAndTechnologyCommitteeMember_documentation_en-US" xlink:label="lab_san_InnovationAndTechnologyCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Innovation And Technology Committee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InnovationAndTechnologyCommitteeMember" xlink:href="san-20251231.xsd#san_InnovationAndTechnologyCommitteeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InnovationAndTechnologyCommitteeMember" xlink:to="lab_san_InnovationAndTechnologyCommitteeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfIntangibleAssetsExplanatory_019ca0fb-c9cd-74b0-99ea-f9590fa86250_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfIntangibleAssetsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible assets - Other intangible assets</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfIntangibleAssetsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfIntangibleAssetsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of intangible assets [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfIntangibleAssetsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfIntangibleAssetsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfIntangibleAssetsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfIntangibleAssetsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SpanishSupremeCourtMortgageExpensesMember_019ca0fb-c94e-7cac-a657-c328740f0fcd_terseLabel_en-US" xlink:label="lab_san_SpanishSupremeCourtMortgageExpensesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Spanish supreme court, mortgage expenses</link:label>
    <link:label id="lab_san_SpanishSupremeCourtMortgageExpensesMember_label_en-US" xlink:label="lab_san_SpanishSupremeCourtMortgageExpensesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Spanish Supreme Court, Mortgage Expenses [Member]</link:label>
    <link:label id="lab_san_SpanishSupremeCourtMortgageExpensesMember_documentation_en-US" xlink:label="lab_san_SpanishSupremeCourtMortgageExpensesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Spanish Supreme Court, Mortgage Expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SpanishSupremeCourtMortgageExpensesMember" xlink:href="san-20251231.xsd#san_SpanishSupremeCourtMortgageExpensesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SpanishSupremeCourtMortgageExpensesMember" xlink:to="lab_san_SpanishSupremeCourtMortgageExpensesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InterestRateSwapContractMember_019ca0fb-c9cd-7c43-ade3-10680b59a7ce_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestRateSwapContractMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate swaps</link:label>
    <link:label id="lab_ifrs-full_InterestRateSwapContractMember_label_en-US" xlink:label="lab_ifrs-full_InterestRateSwapContractMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest rate swap contract [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestRateSwapContractMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InterestRateSwapContractMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestRateSwapContractMember" xlink:to="lab_ifrs-full_InterestRateSwapContractMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PriceMeasurementInputMember_019ca0fb-cb6b-791e-89c9-962819814954_terseLabel_en-US" xlink:label="lab_san_PriceMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Price</link:label>
    <link:label id="lab_san_PriceMeasurementInputMember_label_en-US" xlink:label="lab_san_PriceMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Price, Measurement Input [Member]</link:label>
    <link:label id="lab_san_PriceMeasurementInputMember_documentation_en-US" xlink:label="lab_san_PriceMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Price, Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PriceMeasurementInputMember" xlink:href="san-20251231.xsd#san_PriceMeasurementInputMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PriceMeasurementInputMember" xlink:to="lab_san_PriceMeasurementInputMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DecreaseThoughPaymentsInRespectOfSettlementsProvision_019ca0fb-c94e-71ed-b68f-7c95a4c0bf59_negatedLabel_en-US" xlink:label="lab_san_DecreaseThoughPaymentsInRespectOfSettlementsProvision" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Benefits paid due to settlements</link:label>
    <link:label id="lab_san_DecreaseThoughPaymentsInRespectOfSettlementsProvision_label_en-US" xlink:label="lab_san_DecreaseThoughPaymentsInRespectOfSettlementsProvision" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease Though Payments In Respect Of Settlements, Provision</link:label>
    <link:label id="lab_san_DecreaseThoughPaymentsInRespectOfSettlementsProvision_documentation_en-US" xlink:label="lab_san_DecreaseThoughPaymentsInRespectOfSettlementsProvision" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Decrease Though Payments In Respect Of Settlements, Provision</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DecreaseThoughPaymentsInRespectOfSettlementsProvision" xlink:href="san-20251231.xsd#san_DecreaseThoughPaymentsInRespectOfSettlementsProvision"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DecreaseThoughPaymentsInRespectOfSettlementsProvision" xlink:to="lab_san_DecreaseThoughPaymentsInRespectOfSettlementsProvision" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InterestExpenseOnLeaseLiabilities_019ca0fb-c94e-7345-b5ff-1812ced8af27_terseLabel_en-US" xlink:label="lab_ifrs-full_InterestExpenseOnLeaseLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lease Liabilities</link:label>
    <link:label id="lab_ifrs-full_InterestExpenseOnLeaseLiabilities_label_en-US" xlink:label="lab_ifrs-full_InterestExpenseOnLeaseLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest expense on lease liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InterestExpenseOnLeaseLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InterestExpenseOnLeaseLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InterestExpenseOnLeaseLiabilities" xlink:to="lab_ifrs-full_InterestExpenseOnLeaseLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfAccountingJudgementsAndEstimatesExplanatory_019ca0fb-c94e-7682-bd6f-84788cd7f1e4_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfAccountingJudgementsAndEstimatesExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Use of accounting estimates</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfAccountingJudgementsAndEstimatesExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfAccountingJudgementsAndEstimatesExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of accounting judgements and estimates [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfAccountingJudgementsAndEstimatesExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfAccountingJudgementsAndEstimatesExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfAccountingJudgementsAndEstimatesExplanatory" xlink:to="lab_ifrs-full_DisclosureOfAccountingJudgementsAndEstimatesExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LTBLessThanOrEqualTo40PercentMember_019ca0fb-cbee-742c-80d0-f1504363801e_terseLabel_en-US" xlink:label="lab_san_LTBLessThanOrEqualTo40PercentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Less than or&#160;equal to 40%</link:label>
    <link:label id="lab_san_LTBLessThanOrEqualTo40PercentMember_label_en-US" xlink:label="lab_san_LTBLessThanOrEqualTo40PercentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">LTB Less Than Or Equal To 40 Percent [Member]</link:label>
    <link:label id="lab_san_LTBLessThanOrEqualTo40PercentMember_documentation_en-US" xlink:label="lab_san_LTBLessThanOrEqualTo40PercentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan-to-value (LTV) ratio less than or equal to 40%.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LTBLessThanOrEqualTo40PercentMember" xlink:href="san-20251231.xsd#san_LTBLessThanOrEqualTo40PercentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LTBLessThanOrEqualTo40PercentMember" xlink:to="lab_san_LTBLessThanOrEqualTo40PercentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_UnpaidCapitalCalledUp_019ca0fb-ca4e-7cbe-a6d2-9e4ef1c92aef_terseLabel_en-US" xlink:label="lab_san_UnpaidCapitalCalledUp" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unpaid capital which has been called up</link:label>
    <link:label id="lab_san_UnpaidCapitalCalledUp_label_en-US" xlink:label="lab_san_UnpaidCapitalCalledUp" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unpaid Capital Called Up</link:label>
    <link:label id="lab_san_UnpaidCapitalCalledUp_documentation_en-US" xlink:label="lab_san_UnpaidCapitalCalledUp" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Unpaid Capital Called Up</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_UnpaidCapitalCalledUp" xlink:href="san-20251231.xsd#san_UnpaidCapitalCalledUp"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_UnpaidCapitalCalledUp" xlink:to="lab_san_UnpaidCapitalCalledUp" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentLongTermNumberOfDeferrals_019ca0fb-c94e-70d2-af33-1ecd3faabf19_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentLongTermNumberOfDeferrals" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred payment, long term, number of deferrals</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentLongTermNumberOfDeferrals_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentLongTermNumberOfDeferrals" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Long Term, Number Of Deferrals</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentLongTermNumberOfDeferrals_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentLongTermNumberOfDeferrals" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Long Term, Number Of Deferrals</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentLongTermNumberOfDeferrals" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentLongTermNumberOfDeferrals"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentLongTermNumberOfDeferrals" xlink:to="lab_san_VariableRemunerationDeferredPaymentLongTermNumberOfDeferrals" xlink:type="arc" order="1"/>
    <link:label id="lab_san_USTRateFiveYearUSDollarMember_019ca0fb-cbee-7934-9b91-f3e1aa009f76_terseLabel_en-US" xlink:label="lab_san_USTRateFiveYearUSDollarMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">5-Year UST Rate (US Dollar)</link:label>
    <link:label id="lab_san_USTRateFiveYearUSDollarMember_label_en-US" xlink:label="lab_san_USTRateFiveYearUSDollarMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">UST Rate Five Year US Dollar [Member]</link:label>
    <link:label id="lab_san_USTRateFiveYearUSDollarMember_documentation_en-US" xlink:label="lab_san_USTRateFiveYearUSDollarMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">UST Rate Five Year US Dollar</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_USTRateFiveYearUSDollarMember" xlink:href="san-20251231.xsd#san_USTRateFiveYearUSDollarMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_USTRateFiveYearUSDollarMember" xlink:to="lab_san_USTRateFiveYearUSDollarMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EstimationOfExpectedLossesManheimGrowthRate_019ca0fb-cad3-74c4-8960-b8c7f6ca9870_terseLabel_en-US" xlink:label="lab_san_EstimationOfExpectedLossesManheimGrowthRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Manheim growth</link:label>
    <link:label id="lab_san_EstimationOfExpectedLossesManheimGrowthRate_label_en-US" xlink:label="lab_san_EstimationOfExpectedLossesManheimGrowthRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimation Of Expected Losses, Manheim Growth Rate</link:label>
    <link:label id="lab_san_EstimationOfExpectedLossesManheimGrowthRate_documentation_en-US" xlink:label="lab_san_EstimationOfExpectedLossesManheimGrowthRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Estimation Of Expected Losses, Manheim Growth Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EstimationOfExpectedLossesManheimGrowthRate" xlink:href="san-20251231.xsd#san_EstimationOfExpectedLossesManheimGrowthRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EstimationOfExpectedLossesManheimGrowthRate" xlink:to="lab_san_EstimationOfExpectedLossesManheimGrowthRate" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SegmentConsolidationItemsDomain_019ca0fb-cad3-74aa-80b0-f5e73c85c3e5_terseLabel_en-US" xlink:label="lab_ifrs-full_SegmentConsolidationItemsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segment consolidation items [domain]</link:label>
    <link:label id="lab_ifrs-full_SegmentConsolidationItemsDomain_label_en-US" xlink:label="lab_ifrs-full_SegmentConsolidationItemsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment consolidation items [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SegmentConsolidationItemsDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SegmentConsolidationItemsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SegmentConsolidationItemsDomain" xlink:to="lab_ifrs-full_SegmentConsolidationItemsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DivisionManagersCountryHeadsOtherExecutivesAndIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember_019ca0fb-c9cd-736d-8add-35b501356eae_terseLabel_en-US" xlink:label="lab_san_DivisionManagersCountryHeadsOtherExecutivesAndIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Senior managers, country heads, other executives and identified staff with total variable remuneration specified amount</link:label>
    <link:label id="lab_san_DivisionManagersCountryHeadsOtherExecutivesAndIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember_label_en-US" xlink:label="lab_san_DivisionManagersCountryHeadsOtherExecutivesAndIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Division Managers Country Heads Other Executives And Identified Staff With Total Variable Remuneration Specified Amount [Member]</link:label>
    <link:label id="lab_san_DivisionManagersCountryHeadsOtherExecutivesAndIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember_documentation_en-US" xlink:label="lab_san_DivisionManagersCountryHeadsOtherExecutivesAndIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents division managers, country heads of countries that represent at least 1% of the Group's economic capital, other executives of the Group with a similar profile and members of the Identified Staff with specified total variable remuneration.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DivisionManagersCountryHeadsOtherExecutivesAndIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember" xlink:href="san-20251231.xsd#san_DivisionManagersCountryHeadsOtherExecutivesAndIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DivisionManagersCountryHeadsOtherExecutivesAndIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember" xlink:to="lab_san_DivisionManagersCountryHeadsOtherExecutivesAndIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2022Member_019ca0fb-cbee-7767-b58d-11d8cd46e3b7_terseLabel_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2022Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred conditional variable remuneration plan and linked to objectives (2022)</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2022Member_label_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2022Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan And Linked To Objectives 2022 [Member]</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2022Member_documentation_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2022Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan And Linked To Objectives 2022</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2022Member" xlink:href="san-20251231.xsd#san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2022Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2022Member" xlink:to="lab_san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2022Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DigitalTransformationAward2023Member_019ca0fb-ca4e-74cf-898b-de037eeb2f15_terseLabel_en-US" xlink:label="lab_san_DigitalTransformationAward2023Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2023</link:label>
    <link:label id="lab_san_DigitalTransformationAward2023Member_label_en-US" xlink:label="lab_san_DigitalTransformationAward2023Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2023 [Member]</link:label>
    <link:label id="lab_san_DigitalTransformationAward2023Member_documentation_en-US" xlink:label="lab_san_DigitalTransformationAward2023Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2023</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DigitalTransformationAward2023Member" xlink:href="san-20251231.xsd#san_DigitalTransformationAward2023Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DigitalTransformationAward2023Member" xlink:to="lab_san_DigitalTransformationAward2023Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonLoanAdvancesMember_019ca0fb-ca4e-7631-958b-44a8bbe55693_terseLabel_en-US" xlink:label="lab_san_NonLoanAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non- loans advances</link:label>
    <link:label id="lab_san_NonLoanAdvancesMember_label_en-US" xlink:label="lab_san_NonLoanAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non Loan Advances [Member]</link:label>
    <link:label id="lab_san_NonLoanAdvancesMember_documentation_en-US" xlink:label="lab_san_NonLoanAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to non-loan advances.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonLoanAdvancesMember" xlink:href="san-20251231.xsd#san_NonLoanAdvancesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonLoanAdvancesMember" xlink:to="lab_san_NonLoanAdvancesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset_019ca0fb-cbee-7da0-96cb-202f318aaa49_negatedTerseLabel_en-US" xlink:label="lab_san_GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Gains/(losses) on settlements</link:label>
    <link:label id="lab_san_GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_san_GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (Losses) On Liquidation, Net Defined Benefit Liability (Asset)</link:label>
    <link:label id="lab_san_GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset_documentation_en-US" xlink:label="lab_san_GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Gains (Losses) On Liquidation, Net Defined Benefit Liability (Asset)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset" xlink:href="san-20251231.xsd#san_GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset" xlink:to="lab_san_GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderConsumerBankSpAMember_019ca0fb-cb6b-7ea3-8954-eb371d992f8f_terseLabel_en-US" xlink:label="lab_san_SantanderConsumerBankSpAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Consumer Bank S.p.A.</link:label>
    <link:label id="lab_san_SantanderConsumerBankSpAMember_label_en-US" xlink:label="lab_san_SantanderConsumerBankSpAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Consumer Bank S.p.A. [Member]</link:label>
    <link:label id="lab_san_SantanderConsumerBankSpAMember_documentation_en-US" xlink:label="lab_san_SantanderConsumerBankSpAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander Consumer Bank S.p.A.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderConsumerBankSpAMember" xlink:href="san-20251231.xsd#san_SantanderConsumerBankSpAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderConsumerBankSpAMember" xlink:to="lab_san_SantanderConsumerBankSpAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BasisRiskMember_019ca0fb-c9cd-75a6-be37-685ec8e96dc6_terseLabel_en-US" xlink:label="lab_san_BasisRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basis Risk</link:label>
    <link:label id="lab_san_BasisRiskMember_label_en-US" xlink:label="lab_san_BasisRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Basis Risk [Member]</link:label>
    <link:label id="lab_san_BasisRiskMember_documentation_en-US" xlink:label="lab_san_BasisRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Basis Risk</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BasisRiskMember" xlink:href="san-20251231.xsd#san_BasisRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BasisRiskMember" xlink:to="lab_san_BasisRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfSubsidiaries_019ca0fb-c94e-7dd7-99ac-bb28664a1d98_terseLabel_en-US" xlink:label="lab_san_NumberOfSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of subsidiaries</link:label>
    <link:label id="lab_san_NumberOfSubsidiaries_label_en-US" xlink:label="lab_san_NumberOfSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Subsidiaries</link:label>
    <link:label id="lab_san_NumberOfSubsidiaries_documentation_en-US" xlink:label="lab_san_NumberOfSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of subsidiaries.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfSubsidiaries" xlink:href="san-20251231.xsd#san_NumberOfSubsidiaries"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfSubsidiaries" xlink:to="lab_san_NumberOfSubsidiaries" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RedemptionOfTreasurySharesShares_019ca0fb-cb6b-7180-93ea-765f16cfeb5a_terseLabel_en-US" xlink:label="lab_san_RedemptionOfTreasurySharesShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Redemption of treasury shares, shares</link:label>
    <link:label id="lab_san_RedemptionOfTreasurySharesShares_label_en-US" xlink:label="lab_san_RedemptionOfTreasurySharesShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Redemption Of Treasury Shares, Shares</link:label>
    <link:label id="lab_san_RedemptionOfTreasurySharesShares_documentation_en-US" xlink:label="lab_san_RedemptionOfTreasurySharesShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Redemption Of Treasury Shares, Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RedemptionOfTreasurySharesShares" xlink:href="san-20251231.xsd#san_RedemptionOfTreasurySharesShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RedemptionOfTreasurySharesShares" xlink:to="lab_san_RedemptionOfTreasurySharesShares" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInAugust2023Member_019ca0fb-cad3-7c50-8b6b-0be5fe42d6db_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInAugust2023Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance by Banco Santander S.A. in August 2023</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInAugust2023Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInAugust2023Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In August 2023 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInAugust2023Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInAugust2023Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In August 2023</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderSAInAugust2023Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderSAInAugust2023Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderSAInAugust2023Member" xlink:to="lab_san_IssuanceByBancoSantanderSAInAugust2023Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_HyundaiCapitalBankEuropeGmbHItalyMember_019ca0fb-c94e-72f9-8105-213e39ad9327_terseLabel_en-US" xlink:label="lab_san_HyundaiCapitalBankEuropeGmbHItalyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hyundai Capital Bank Europe GmbH Italy</link:label>
    <link:label id="lab_san_HyundaiCapitalBankEuropeGmbHItalyMember_label_en-US" xlink:label="lab_san_HyundaiCapitalBankEuropeGmbHItalyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hyundai Capital Bank Europe GmbH Italy [Member]</link:label>
    <link:label id="lab_san_HyundaiCapitalBankEuropeGmbHItalyMember_documentation_en-US" xlink:label="lab_san_HyundaiCapitalBankEuropeGmbHItalyMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Hyundai Capital Bank Europe GmbH Italy</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_HyundaiCapitalBankEuropeGmbHItalyMember" xlink:href="san-20251231.xsd#san_HyundaiCapitalBankEuropeGmbHItalyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_HyundaiCapitalBankEuropeGmbHItalyMember" xlink:to="lab_san_HyundaiCapitalBankEuropeGmbHItalyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GoodwillMember_019ca0fb-cad3-7e0b-b9f5-80327b6bbdd5_terseLabel_en-US" xlink:label="lab_ifrs-full_GoodwillMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Goodwill</link:label>
    <link:label id="lab_ifrs-full_GoodwillMember_label_en-US" xlink:label="lab_ifrs-full_GoodwillMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GoodwillMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GoodwillMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GoodwillMember" xlink:to="lab_ifrs-full_GoodwillMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherEquityInterestMember_019ca0fb-c9cd-782c-b515-7bd7dc3a6ad2_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherEquityInterestMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other equity instruments</link:label>
    <link:label id="lab_ifrs-full_OtherEquityInterestMember_label_en-US" xlink:label="lab_ifrs-full_OtherEquityInterestMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other equity interest [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherEquityInterestMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherEquityInterestMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherEquityInterestMember" xlink:to="lab_ifrs-full_OtherEquityInterestMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FairValueOfFinancialInstrumentsAbstract_019ca0fb-ca4e-7b02-be63-7278789fabdb_terseLabel_en-US" xlink:label="lab_san_FairValueOfFinancialInstrumentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value of financial instruments [Abstract]</link:label>
    <link:label id="lab_san_FairValueOfFinancialInstrumentsAbstract_label_en-US" xlink:label="lab_san_FairValueOfFinancialInstrumentsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value of Financial Instruments [Abstract]</link:label>
    <link:label id="lab_san_FairValueOfFinancialInstrumentsAbstract_documentation_en-US" xlink:label="lab_san_FairValueOfFinancialInstrumentsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair value of financial instruments [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FairValueOfFinancialInstrumentsAbstract" xlink:href="san-20251231.xsd#san_FairValueOfFinancialInstrumentsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FairValueOfFinancialInstrumentsAbstract" xlink:to="lab_san_FairValueOfFinancialInstrumentsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInOperatingActivities_019ca0fb-cb6b-7f61-9788-9161f82b8076_totalLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">CASH FLOWS FROM OPERATING ACTIVITIES</link:label>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInOperatingActivities_label_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash flows from (used in) operating activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowsFromUsedInOperatingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CashFlowsFromUsedInOperatingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashFlowsFromUsedInOperatingActivities" xlink:to="lab_ifrs-full_CashFlowsFromUsedInOperatingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems_019ca0fb-c9cd-7040-81cb-3263fed5b867_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based payment arrangement</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of terms and conditions of share-based payment arrangement [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems" xlink:to="lab_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfOtherLiabilitiesTableTextBlock_019ca0fb-c94e-7874-b0f1-129e192dac91_terseLabel_en-US" xlink:label="lab_san_ScheduleOfOtherLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of other liabilities</link:label>
    <link:label id="lab_san_ScheduleOfOtherLiabilitiesTableTextBlock_label_en-US" xlink:label="lab_san_ScheduleOfOtherLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Other Liabilities [Table Text Block]</link:label>
    <link:label id="lab_san_ScheduleOfOtherLiabilitiesTableTextBlock_documentation_en-US" xlink:label="lab_san_ScheduleOfOtherLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular information related to other liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfOtherLiabilitiesTableTextBlock" xlink:href="san-20251231.xsd#san_ScheduleOfOtherLiabilitiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfOtherLiabilitiesTableTextBlock" xlink:to="lab_san_ScheduleOfOtherLiabilitiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfInterestsInOtherEntitiesExplanatory_019ca0fb-c94e-7738-aefe-a27dbc450584_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfInterestsInOtherEntitiesExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfInterestsInOtherEntitiesExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfInterestsInOtherEntitiesExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of interests in other entities [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfInterestsInOtherEntitiesExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfInterestsInOtherEntitiesExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfInterestsInOtherEntitiesExplanatory" xlink:to="lab_ifrs-full_DisclosureOfInterestsInOtherEntitiesExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss_019ca0fb-cc70-711d-8bf5-a4141f2a54ca_terseLabel_en-US" xlink:label="lab_san_OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-current assets held for sale</link:label>
    <link:label id="lab_san_OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss_label_en-US" xlink:label="lab_san_OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Reserves, Non-Current Assets Held For Sale Not Reclassified To Profit Or Loss</link:label>
    <link:label id="lab_san_OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss_documentation_en-US" xlink:label="lab_san_OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Reserves, Non-Current Assets Held For Sale Not Reclassified To Profit Or Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss" xlink:href="san-20251231.xsd#san_OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss" xlink:to="lab_san_OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet_019ca0fb-cad3-79e3-9b7f-d38264d4fe26_terseLabel_en-US" xlink:label="lab_san_InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Incorporation of Group companies, net</link:label>
    <link:label id="lab_san_InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet_label_en-US" xlink:label="lab_san_InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance Contracts Linked To Pensions, Assets From Incorporation Of Entities, Net</link:label>
    <link:label id="lab_san_InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet_documentation_en-US" xlink:label="lab_san_InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase in insurance contracts linked to pensions from incorporation of entities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet" xlink:href="san-20251231.xsd#san_InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet" xlink:to="lab_san_InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneNumberOfCountriesWithPagoFXGlobalPlatform_019ca0fb-cbee-7760-abcd-017d4e8861fd_terseLabel_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneNumberOfCountriesWithPagoFXGlobalPlatform" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of countries with PagoFX global platform</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneNumberOfCountriesWithPagoFXGlobalPlatform_label_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneNumberOfCountriesWithPagoFXGlobalPlatform" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Number Of Countries With PagoFX Global Platform</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneNumberOfCountriesWithPagoFXGlobalPlatform_documentation_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneNumberOfCountriesWithPagoFXGlobalPlatform" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Number Of Countries With PagoFX Global Platform</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableRemunerationMilestoneNumberOfCountriesWithPagoFXGlobalPlatform" xlink:href="san-20251231.xsd#san_DeferredVariableRemunerationMilestoneNumberOfCountriesWithPagoFXGlobalPlatform"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableRemunerationMilestoneNumberOfCountriesWithPagoFXGlobalPlatform" xlink:to="lab_san_DeferredVariableRemunerationMilestoneNumberOfCountriesWithPagoFXGlobalPlatform" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityDomain_019ca0fb-cad3-76cf-a73e-6af1c184c2f2_terseLabel_en-US" xlink:label="lab_dei_EntityDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity [Domain]</link:label>
    <link:label id="lab_dei_EntityDomain_label_en-US" xlink:label="lab_dei_EntityDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityDomain" xlink:to="lab_dei_EntityDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MiscellaneousOtherOperatingIncome_019ca0fb-c94e-7d37-ba17-7d9cd249dcc4_terseLabel_en-US" xlink:label="lab_ifrs-full_MiscellaneousOtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other operating income</link:label>
    <link:label id="lab_ifrs-full_MiscellaneousOtherOperatingIncome_label_en-US" xlink:label="lab_ifrs-full_MiscellaneousOtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Miscellaneous other operating income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MiscellaneousOtherOperatingIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MiscellaneousOtherOperatingIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MiscellaneousOtherOperatingIncome" xlink:to="lab_ifrs-full_MiscellaneousOtherOperatingIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InsuranceContractsAxis_019ca0fb-c9cd-7dcd-bcec-67b83b244f6a_terseLabel_en-US" xlink:label="lab_ifrs-full_InsuranceContractsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurance contracts [axis]</link:label>
    <link:label id="lab_ifrs-full_InsuranceContractsAxis_label_en-US" xlink:label="lab_ifrs-full_InsuranceContractsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance contracts [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InsuranceContractsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InsuranceContractsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InsuranceContractsAxis" xlink:to="lab_ifrs-full_InsuranceContractsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AuditCommitteeMember_019ca0fb-c94e-74ce-b484-9bc9e8678c69_terseLabel_en-US" xlink:label="lab_san_AuditCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Members of the audit committee</link:label>
    <link:label id="lab_san_AuditCommitteeMember_019ca0fb-c94e-7d90-9699-b8ff340097b5_verboseLabel_en-US" xlink:label="lab_san_AuditCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Audit committee</link:label>
    <link:label id="lab_san_AuditCommitteeMember_label_en-US" xlink:label="lab_san_AuditCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Audit Committee [Member]</link:label>
    <link:label id="lab_san_AuditCommitteeMember_documentation_en-US" xlink:label="lab_san_AuditCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for those persons serving as members of the audit committee of the board of directors.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AuditCommitteeMember" xlink:href="san-20251231.xsd#san_AuditCommitteeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AuditCommitteeMember" xlink:to="lab_san_AuditCommitteeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PropertyServiceChargeExpense_019ca0fb-cad3-7265-8609-7da27fe205db_terseLabel_en-US" xlink:label="lab_ifrs-full_PropertyServiceChargeExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, fixtures and supplies (note 2.k)</link:label>
    <link:label id="lab_ifrs-full_PropertyServiceChargeExpense_label_en-US" xlink:label="lab_ifrs-full_PropertyServiceChargeExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property service charge expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PropertyServiceChargeExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PropertyServiceChargeExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PropertyServiceChargeExpense" xlink:to="lab_ifrs-full_PropertyServiceChargeExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationProvisionsForRetirementPensionsAndSupplementaryBenefitsTableTextBlock_019ca0fb-ca4e-726c-ba0d-31b161e06454_terseLabel_en-US" xlink:label="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationProvisionsForRetirementPensionsAndSupplementaryBenefitsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule summarising remuneration related to provisions for retirement pensions and supplementary benefits</link:label>
    <link:label id="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationProvisionsForRetirementPensionsAndSupplementaryBenefitsTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationProvisionsForRetirementPensionsAndSupplementaryBenefitsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Transactions Between Related Parties, Remuneration, Provisions For Retirement Pensions And Supplementary Benefits [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationProvisionsForRetirementPensionsAndSupplementaryBenefitsTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationProvisionsForRetirementPensionsAndSupplementaryBenefitsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of remuneration between the entity and its related parties related to provisions for retirement pensions and supplementary benefits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationProvisionsForRetirementPensionsAndSupplementaryBenefitsTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationProvisionsForRetirementPensionsAndSupplementaryBenefitsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationProvisionsForRetirementPensionsAndSupplementaryBenefitsTableTextBlock" xlink:to="lab_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationProvisionsForRetirementPensionsAndSupplementaryBenefitsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentFiscalYearFocus_019ca0fb-cbee-74a4-884c-8f92b31408ba_terseLabel_en-US" xlink:label="lab_dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Fiscal Year Focus</link:label>
    <link:label id="lab_dei_DocumentFiscalYearFocus_label_en-US" xlink:label="lab_dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Fiscal Year Focus</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalYearFocus" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentFiscalYearFocus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFiscalYearFocus" xlink:to="lab_dei_DocumentFiscalYearFocus" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DirectorsRetiredMember_019ca0fb-cad3-7598-ab8c-7822e3f65910_terseLabel_en-US" xlink:label="lab_san_DirectorsRetiredMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retired executive directors</link:label>
    <link:label id="lab_san_DirectorsRetiredMember_label_en-US" xlink:label="lab_san_DirectorsRetiredMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Directors Retired [Member]</link:label>
    <link:label id="lab_san_DirectorsRetiredMember_documentation_en-US" xlink:label="lab_san_DirectorsRetiredMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for retired executive directors.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DirectorsRetiredMember" xlink:href="san-20251231.xsd#san_DirectorsRetiredMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DirectorsRetiredMember" xlink:to="lab_san_DirectorsRetiredMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost_019ca0fb-cc70-7142-b4e1-aee98b562015_negatedLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Financial assets at amortized cost</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments for decrease (increase) in financial assets measured at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost" xlink:to="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OpenbankSegmentMember_019ca0fb-cb6b-7ed9-a05a-fa33faf7136c_verboseLabel_en-US" xlink:label="lab_san_OpenbankSegmentMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Openbank</link:label>
    <link:label id="lab_san_OpenbankSegmentMember_label_en-US" xlink:label="lab_san_OpenbankSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Openbank Segment [Member]</link:label>
    <link:label id="lab_san_OpenbankSegmentMember_documentation_en-US" xlink:label="lab_san_OpenbankSegmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Openbank, formerly Digital Consumer Bank (Consumer)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OpenbankSegmentMember" xlink:href="san-20251231.xsd#san_OpenbankSegmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OpenbankSegmentMember" xlink:to="lab_san_OpenbankSegmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DemandDepositMember_019ca0fb-ca4d-78e3-8a60-5454b8468c1e_terseLabel_en-US" xlink:label="lab_san_DemandDepositMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits on demand</link:label>
    <link:label id="lab_san_DemandDepositMember_label_en-US" xlink:label="lab_san_DemandDepositMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Demand Deposit [Member]</link:label>
    <link:label id="lab_san_DemandDepositMember_documentation_en-US" xlink:label="lab_san_DemandDepositMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Infromation pertaining to demand deposits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DemandDepositMember" xlink:href="san-20251231.xsd#san_DemandDepositMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DemandDepositMember" xlink:to="lab_san_DemandDepositMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate_019ca0fb-cc70-7970-90d4-d61c52ff599f_terseLabel_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in provision assuming 100bp increase in interest rate (as a percent)</link:label>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate_label_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percent Change In Provision Assuming 100 Basis Point Increase In Interest Rate</link:label>
    <link:label id="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate_documentation_en-US" xlink:label="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percent Change In Provision Assuming 100 Basis Point Increase In Interest Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate" xlink:href="san-20251231.xsd#san_PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate" xlink:to="lab_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome_019ca0fb-c94e-7f7d-8160-0bd6ce088f3a_terseLabel_en-US" xlink:label="lab_san_IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-current assets held for sale</link:label>
    <link:label id="lab_san_IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome_label_en-US" xlink:label="lab_san_IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax Relating To Non Current Assets Held For Sale Included In Other Comprehensive Income</link:label>
    <link:label id="lab_san_IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome_documentation_en-US" xlink:label="lab_san_IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Income Tax Relating To Non Current Assets Held For Sale Included In Other Comprehensive Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome" xlink:href="san-20251231.xsd#san_IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome" xlink:to="lab_san_IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeLoansGranted_019ca0fb-c94e-7795-bb99-edb3e61e2b89_terseLabel_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeLoansGranted" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans granted</link:label>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeLoansGranted_label_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeLoansGranted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Fee And Commission Income, Loans Granted</link:label>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeLoansGranted_documentation_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeLoansGranted" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Fee And Commission Income, Loans Granted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherFeeAndCommissionIncomeLoansGranted" xlink:href="san-20251231.xsd#san_OtherFeeAndCommissionIncomeLoansGranted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherFeeAndCommissionIncomeLoansGranted" xlink:to="lab_san_OtherFeeAndCommissionIncomeLoansGranted" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherFinancialInstitutionsMember_019ca0fb-ca4e-7f11-a51f-57bccb54e0fa_terseLabel_en-US" xlink:label="lab_san_OtherFinancialInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other financial institutions (financial business activity)</link:label>
    <link:label id="lab_san_OtherFinancialInstitutionsMember_019ca0fb-ca4e-791f-b6aa-3b2b908f85bc_verboseLabel_en-US" xlink:label="lab_san_OtherFinancialInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other financial institutions and: individual shareholder</link:label>
    <link:label id="lab_san_OtherFinancialInstitutionsMember_label_en-US" xlink:label="lab_san_OtherFinancialInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Financial Institutions [Member]</link:label>
    <link:label id="lab_san_OtherFinancialInstitutionsMember_documentation_en-US" xlink:label="lab_san_OtherFinancialInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for other financial institutions (Financial business activity) customers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherFinancialInstitutionsMember" xlink:href="san-20251231.xsd#san_OtherFinancialInstitutionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherFinancialInstitutionsMember" xlink:to="lab_san_OtherFinancialInstitutionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations_019ca0fb-c94e-767f-8bc2-75201d54bedf_terseLabel_en-US" xlink:label="lab_san_TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income tax at tax rate applicable in Spain (30%)</link:label>
    <link:label id="lab_san_TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations_label_en-US" xlink:label="lab_san_TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Expense (Income) At Applicable Tax Rate, Including Discontinued Operations</link:label>
    <link:label id="lab_san_TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations_documentation_en-US" xlink:label="lab_san_TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax Expense (Income) At Applicable Tax Rate, Including Discontinued Operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations" xlink:href="san-20251231.xsd#san_TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations" xlink:to="lab_san_TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_NorthAmericaMember_019ca0fb-cad3-704d-a0d2-e9a2d9c8c7e0_terseLabel_en-US" xlink:label="lab_srt_NorthAmericaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total North America</link:label>
    <link:label id="lab_srt_NorthAmericaMember_label_en-US" xlink:label="lab_srt_NorthAmericaMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">North America [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_NorthAmericaMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_NorthAmericaMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_NorthAmericaMember" xlink:to="lab_srt_NorthAmericaMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ClassesOfDeferredTaxAssetsAxis_019ca0fb-c9cd-7901-93b2-47182b7e3c37_terseLabel_en-US" xlink:label="lab_san_ClassesOfDeferredTaxAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of Deferred Tax Assets [Axis]</link:label>
    <link:label id="lab_san_ClassesOfDeferredTaxAssetsAxis_label_en-US" xlink:label="lab_san_ClassesOfDeferredTaxAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes Of Deferred Tax Assets [Axis]</link:label>
    <link:label id="lab_san_ClassesOfDeferredTaxAssetsAxis_documentation_en-US" xlink:label="lab_san_ClassesOfDeferredTaxAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The axis of a table defines the relationship between the domain members or categories in the table and the line items or concepts that complete the table.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ClassesOfDeferredTaxAssetsAxis" xlink:href="san-20251231.xsd#san_ClassesOfDeferredTaxAssetsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ClassesOfDeferredTaxAssetsAxis" xlink:to="lab_san_ClassesOfDeferredTaxAssetsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesOnFinancialInstrumentsAbstract_019ca0fb-ca4e-74e5-bad6-87d20221dea1_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnFinancialInstrumentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains (losses) on financial instruments [abstract]</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnFinancialInstrumentsAbstract_label_en-US" xlink:label="lab_ifrs-full_GainsLossesOnFinancialInstrumentsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (losses) on financial instruments [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesOnFinancialInstrumentsAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainsLossesOnFinancialInstrumentsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesOnFinancialInstrumentsAbstract" xlink:to="lab_ifrs-full_GainsLossesOnFinancialInstrumentsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TypesOfInterestRatesDomain_019ca0fb-cb6b-7ca6-84ae-94b7928289be_terseLabel_en-US" xlink:label="lab_ifrs-full_TypesOfInterestRatesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Types of interest rates [domain]</link:label>
    <link:label id="lab_ifrs-full_TypesOfInterestRatesDomain_label_en-US" xlink:label="lab_ifrs-full_TypesOfInterestRatesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Types of interest rates [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TypesOfInterestRatesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TypesOfInterestRatesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TypesOfInterestRatesDomain" xlink:to="lab_ifrs-full_TypesOfInterestRatesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfOtherAssets1TableTextBlock_019ca0fb-c94e-73e0-b31e-33ac5e46a11d_terseLabel_en-US" xlink:label="lab_san_ScheduleOfOtherAssets1TableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of other assets</link:label>
    <link:label id="lab_san_ScheduleOfOtherAssets1TableTextBlock_label_en-US" xlink:label="lab_san_ScheduleOfOtherAssets1TableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Other Assets1 [Table Text Block]</link:label>
    <link:label id="lab_san_ScheduleOfOtherAssets1TableTextBlock_documentation_en-US" xlink:label="lab_san_ScheduleOfOtherAssets1TableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of the carrying amounts of other assets, including other current assets and other noncurrent assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfOtherAssets1TableTextBlock" xlink:href="san-20251231.xsd#san_ScheduleOfOtherAssets1TableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfOtherAssets1TableTextBlock" xlink:to="lab_san_ScheduleOfOtherAssets1TableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FurnitureMember_019ca0fb-ca4e-7d81-85cf-4fa650e4002c_terseLabel_en-US" xlink:label="lab_san_FurnitureMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Furniture</link:label>
    <link:label id="lab_san_FurnitureMember_label_en-US" xlink:label="lab_san_FurnitureMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Furniture [Member]</link:label>
    <link:label id="lab_san_FurnitureMember_documentation_en-US" xlink:label="lab_san_FurnitureMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for a class of property, plant and equipment representing furniture.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FurnitureMember" xlink:href="san-20251231.xsd#san_FurnitureMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FurnitureMember" xlink:to="lab_san_FurnitureMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfDepositsLineItems_019ca0fb-cbee-76ba-9c4e-04d7c070393c_terseLabel_en-US" xlink:label="lab_san_ScheduleOfDepositsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits [Line Items]</link:label>
    <link:label id="lab_san_ScheduleOfDepositsLineItems_label_en-US" xlink:label="lab_san_ScheduleOfDepositsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Deposits [Line Items]</link:label>
    <link:label id="lab_san_ScheduleOfDepositsLineItems_documentation_en-US" xlink:label="lab_san_ScheduleOfDepositsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deposits [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfDepositsLineItems" xlink:href="san-20251231.xsd#san_ScheduleOfDepositsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfDepositsLineItems" xlink:to="lab_san_ScheduleOfDepositsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RestOfEuropeMember_019ca0fb-cad3-73e5-bf57-230e7b6c13c4_terseLabel_en-US" xlink:label="lab_san_RestOfEuropeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rest of Europe</link:label>
    <link:label id="lab_san_RestOfEuropeMember_label_en-US" xlink:label="lab_san_RestOfEuropeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Rest Of Europe [Member]</link:label>
    <link:label id="lab_san_RestOfEuropeMember_documentation_en-US" xlink:label="lab_san_RestOfEuropeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for other countries included in the rest of Europe. Excludes Spain, Portugal, Italy, Greece, Ireland, United Kingdom, and Poland.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RestOfEuropeMember" xlink:href="san-20251231.xsd#san_RestOfEuropeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RestOfEuropeMember" xlink:to="lab_san_RestOfEuropeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SensitivityAnalysisVariableAxis_019ca0fb-cb6b-73d4-9607-e5e097848a54_terseLabel_en-US" xlink:label="lab_san_SensitivityAnalysisVariableAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis Variable [Axis]</link:label>
    <link:label id="lab_san_SensitivityAnalysisVariableAxis_label_en-US" xlink:label="lab_san_SensitivityAnalysisVariableAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis Variable [Axis]</link:label>
    <link:label id="lab_san_SensitivityAnalysisVariableAxis_documentation_en-US" xlink:label="lab_san_SensitivityAnalysisVariableAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The axis of a table defines the relationship between the domain members or categories in the table and the line items or concepts that complete the table.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SensitivityAnalysisVariableAxis" xlink:href="san-20251231.xsd#san_SensitivityAnalysisVariableAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SensitivityAnalysisVariableAxis" xlink:to="lab_san_SensitivityAnalysisVariableAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FlowDiscountingMethodOnInflationSwapRateMember_019ca0fb-c94e-777e-a9de-47622f50a83b_terseLabel_en-US" xlink:label="lab_san_FlowDiscountingMethodOnInflationSwapRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discounting Cash Flows On Inflation Swap Rate</link:label>
    <link:label id="lab_san_FlowDiscountingMethodOnInflationSwapRateMember_label_en-US" xlink:label="lab_san_FlowDiscountingMethodOnInflationSwapRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flow Discounting Method On Inflation Swap Rate [Member]</link:label>
    <link:label id="lab_san_FlowDiscountingMethodOnInflationSwapRateMember_documentation_en-US" xlink:label="lab_san_FlowDiscountingMethodOnInflationSwapRateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flow Discounting Method On Inflation Swap Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FlowDiscountingMethodOnInflationSwapRateMember" xlink:href="san-20251231.xsd#san_FlowDiscountingMethodOnInflationSwapRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FlowDiscountingMethodOnInflationSwapRateMember" xlink:to="lab_san_FlowDiscountingMethodOnInflationSwapRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory_019ca0fb-cbee-7250-8692-4c81521c4a3f_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial guarantees</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description of accounting policy for financial guarantees [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory" xlink:to="lab_ifrs-full_DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfHighQualityLiquidAssetsTableTextBlock_019ca0fb-ca4e-7d2a-a5c2-16baebc546f1_terseLabel_en-US" xlink:label="lab_san_DisclosureOfHighQualityLiquidAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of high quality liquid assets</link:label>
    <link:label id="lab_san_DisclosureOfHighQualityLiquidAssetsTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfHighQualityLiquidAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of High Quality Liquid Assets [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfHighQualityLiquidAssetsTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfHighQualityLiquidAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of High Quality Liquid Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfHighQualityLiquidAssetsTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfHighQualityLiquidAssetsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfHighQualityLiquidAssetsTableTextBlock" xlink:to="lab_san_DisclosureOfHighQualityLiquidAssetsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfCustomerDepositsLineItems_019ca0fb-cbee-7e76-a2b0-935015fb10a2_terseLabel_en-US" xlink:label="lab_san_ScheduleOfCustomerDepositsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Customer Deposits [Line Items]</link:label>
    <link:label id="lab_san_ScheduleOfCustomerDepositsLineItems_label_en-US" xlink:label="lab_san_ScheduleOfCustomerDepositsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Customer Deposits [Line Items]</link:label>
    <link:label id="lab_san_ScheduleOfCustomerDepositsLineItems_documentation_en-US" xlink:label="lab_san_ScheduleOfCustomerDepositsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Customer Deposits [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfCustomerDepositsLineItems" xlink:href="san-20251231.xsd#san_ScheduleOfCustomerDepositsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfCustomerDepositsLineItems" xlink:to="lab_san_ScheduleOfCustomerDepositsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SecuritizedMortgageBondsMember_019ca0fb-c9cd-7fda-be10-b6a35cbf5d22_terseLabel_en-US" xlink:label="lab_san_SecuritizedMortgageBondsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securitised mortgage bonds</link:label>
    <link:label id="lab_san_SecuritizedMortgageBondsMember_label_en-US" xlink:label="lab_san_SecuritizedMortgageBondsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Securitized Mortgage Bonds [Member]</link:label>
    <link:label id="lab_san_SecuritizedMortgageBondsMember_documentation_en-US" xlink:label="lab_san_SecuritizedMortgageBondsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Securitized Mortgage Bonds.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SecuritizedMortgageBondsMember" xlink:href="san-20251231.xsd#san_SecuritizedMortgageBondsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SecuritizedMortgageBondsMember" xlink:to="lab_san_SecuritizedMortgageBondsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_KeyManagementPersonnelCompensation_019ca0fb-c94e-7aa0-9652-c9390bc58122_terseLabel_en-US" xlink:label="lab_ifrs-full_KeyManagementPersonnelCompensation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Key management personnel compensation</link:label>
    <link:label id="lab_ifrs-full_KeyManagementPersonnelCompensation_label_en-US" xlink:label="lab_ifrs-full_KeyManagementPersonnelCompensation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key management personnel compensation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_KeyManagementPersonnelCompensation" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_KeyManagementPersonnelCompensation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_KeyManagementPersonnelCompensation" xlink:to="lab_ifrs-full_KeyManagementPersonnelCompensation" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ICOLoanGrantedAsResultOfThePandemic_019ca0fb-c9cd-7f8b-9b02-c0077871ee55_terseLabel_en-US" xlink:label="lab_san_ICOLoanGrantedAsResultOfThePandemic" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ICO loans, granted as result of the pandemic</link:label>
    <link:label id="lab_san_ICOLoanGrantedAsResultOfThePandemic_label_en-US" xlink:label="lab_san_ICOLoanGrantedAsResultOfThePandemic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ICO Loan, Granted As Result Of The Pandemic</link:label>
    <link:label id="lab_san_ICOLoanGrantedAsResultOfThePandemic_documentation_en-US" xlink:label="lab_san_ICOLoanGrantedAsResultOfThePandemic" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">ICO Loan, Granted As Result Of The Pandemic</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ICOLoanGrantedAsResultOfThePandemic" xlink:href="san-20251231.xsd#san_ICOLoanGrantedAsResultOfThePandemic"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ICOLoanGrantedAsResultOfThePandemic" xlink:to="lab_san_ICOLoanGrantedAsResultOfThePandemic" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold_019ca0fb-cad3-7bef-8f5e-9d280b2ce676_terseLabel_en-US" xlink:label="lab_san_PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of equity interests held by significant shareholders, minimum threshold</link:label>
    <link:label id="lab_san_PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold_label_en-US" xlink:label="lab_san_PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Equity Interests Held By Significant Shareholders, Minimum Threshold</link:label>
    <link:label id="lab_san_PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold_documentation_en-US" xlink:label="lab_san_PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage Of Equity Interests Held By Significant Shareholders, Minimum Threshold</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold" xlink:href="san-20251231.xsd#san_PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold" xlink:to="lab_san_PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalPlatformSuperDigital_019ca0fb-cad3-7992-85ab-dcffeef91779_terseLabel_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalPlatformSuperDigital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of geographies with global platform SuperDigital</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalPlatformSuperDigital_label_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalPlatformSuperDigital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Number Of Geographies With Global Platform SuperDigital</link:label>
    <link:label id="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalPlatformSuperDigital_documentation_en-US" xlink:label="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalPlatformSuperDigital" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Variable Remuneration, Milestone, Number Of Geographies With Global Platform SuperDigital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalPlatformSuperDigital" xlink:href="san-20251231.xsd#san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalPlatformSuperDigital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalPlatformSuperDigital" xlink:to="lab_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalPlatformSuperDigital" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IFRSForeignGovernmentDebtSecuritiesMember_019ca0fb-cc70-79ea-9001-32493230888f_terseLabel_en-US" xlink:label="lab_san_IFRSForeignGovernmentDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreign government debt securities</link:label>
    <link:label id="lab_san_IFRSForeignGovernmentDebtSecuritiesMember_label_en-US" xlink:label="lab_san_IFRSForeignGovernmentDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS Foreign Government Debt Securities [Member]</link:label>
    <link:label id="lab_san_IFRSForeignGovernmentDebtSecuritiesMember_documentation_en-US" xlink:label="lab_san_IFRSForeignGovernmentDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt securities issued by a national, local, or municipal government not within the country of domicile of the reporting entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IFRSForeignGovernmentDebtSecuritiesMember" xlink:href="san-20251231.xsd#san_IFRSForeignGovernmentDebtSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IFRSForeignGovernmentDebtSecuritiesMember" xlink:to="lab_san_IFRSForeignGovernmentDebtSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsTable_019ca0fb-cad3-750c-8c35-461fe05e19ba_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of initial application of standards or interpretations [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of initial application of standards or interpretations [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsTable" xlink:to="lab_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DigitalTransformationAward2024Member_019ca0fb-ca4d-7518-956a-4e8e9dce836a_terseLabel_en-US" xlink:label="lab_san_DigitalTransformationAward2024Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2024</link:label>
    <link:label id="lab_san_DigitalTransformationAward2024Member_label_en-US" xlink:label="lab_san_DigitalTransformationAward2024Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2024 [Member]</link:label>
    <link:label id="lab_san_DigitalTransformationAward2024Member_documentation_en-US" xlink:label="lab_san_DigitalTransformationAward2024Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Digital Transformation Award 2024</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DigitalTransformationAward2024Member" xlink:href="san-20251231.xsd#san_DigitalTransformationAward2024Member"/>
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    <link:label id="lab_san_UnitedStatesDollarAndMexicanPesoMember_019ca0fb-ca4d-7a13-a788-8f4cbff1960e_terseLabel_en-US" xlink:label="lab_san_UnitedStatesDollarAndMexicanPesoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">URD/MXN</link:label>
    <link:label id="lab_san_UnitedStatesDollarAndMexicanPesoMember_label_en-US" xlink:label="lab_san_UnitedStatesDollarAndMexicanPesoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">United States Dollar And Mexican Peso [Member]</link:label>
    <link:label id="lab_san_UnitedStatesDollarAndMexicanPesoMember_documentation_en-US" xlink:label="lab_san_UnitedStatesDollarAndMexicanPesoMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">United States Dollar And Mexican Peso</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_UnitedStatesDollarAndMexicanPesoMember" xlink:href="san-20251231.xsd#san_UnitedStatesDollarAndMexicanPesoMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_UnitedStatesDollarAndMexicanPesoMember" xlink:to="lab_san_UnitedStatesDollarAndMexicanPesoMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OnDemandMember_019ca0fb-cad3-7312-90f8-5b2822b9de90_terseLabel_en-US" xlink:label="lab_ifrs-full_OnDemandMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">On demand</link:label>
    <link:label id="lab_ifrs-full_OnDemandMember_label_en-US" xlink:label="lab_ifrs-full_OnDemandMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">On demand [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OnDemandMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OnDemandMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OnDemandMember" xlink:to="lab_ifrs-full_OnDemandMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationNotLinkedToLongTermObjectivesShares_019ca0fb-cad3-756f-ba2b-1db892a92225_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationNotLinkedToLongTermObjectivesShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred amount in shares not linked to long-term objectives (in shares)</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationNotLinkedToLongTermObjectivesShares_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationNotLinkedToLongTermObjectivesShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Long Term And Deferred Compensation, Not Linked To Long-Term Objectives Shares</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationNotLinkedToLongTermObjectivesShares_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationNotLinkedToLongTermObjectivesShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Long Term And Deferred Compensation, Not Linked To Long-Term Objectives Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationNotLinkedToLongTermObjectivesShares" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationNotLinkedToLongTermObjectivesShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationNotLinkedToLongTermObjectivesShares" xlink:to="lab_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationNotLinkedToLongTermObjectivesShares" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RiskAdjustmentForNonfinancialRiskMember_019ca0fb-ca4e-7b71-a7c3-9adc8a050b6d_terseLabel_en-US" xlink:label="lab_ifrs-full_RiskAdjustmentForNonfinancialRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Risk adjustment for non-financial risk</link:label>
    <link:label id="lab_ifrs-full_RiskAdjustmentForNonfinancialRiskMember_label_en-US" xlink:label="lab_ifrs-full_RiskAdjustmentForNonfinancialRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Risk adjustment for non-financial risk [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RiskAdjustmentForNonfinancialRiskMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RiskAdjustmentForNonfinancialRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RiskAdjustmentForNonfinancialRiskMember" xlink:to="lab_ifrs-full_RiskAdjustmentForNonfinancialRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LossesOnDisposalsOfInvestments_019ca0fb-ca4e-7bbd-9214-c1c4e50e57a4_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_LossesOnDisposalsOfInvestments" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Investments</link:label>
    <link:label id="lab_ifrs-full_LossesOnDisposalsOfInvestments_label_en-US" xlink:label="lab_ifrs-full_LossesOnDisposalsOfInvestments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Losses on disposals of investments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LossesOnDisposalsOfInvestments" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LossesOnDisposalsOfInvestments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LossesOnDisposalsOfInvestments" xlink:to="lab_ifrs-full_LossesOnDisposalsOfInvestments" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesTable_019ca0fb-cad2-797b-8143-684f0c23654d_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of unconsolidated structured entities [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of unconsolidated structured entities [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesTable" xlink:to="lab_ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets_019ca0fb-cc70-781e-9f87-df682786f843_negatedLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Other operating assets</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments for decrease (increase) in other assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" xlink:to="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderUSCapitalMarketsLLCMember_019ca0fb-c94e-7b42-939e-bf88400c17f8_terseLabel_en-US" xlink:label="lab_san_SantanderUSCapitalMarketsLLCMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander US Capital Markets LLC</link:label>
    <link:label id="lab_san_SantanderUSCapitalMarketsLLCMember_label_en-US" xlink:label="lab_san_SantanderUSCapitalMarketsLLCMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander US Capital Markets LLC [Member]</link:label>
    <link:label id="lab_san_SantanderUSCapitalMarketsLLCMember_documentation_en-US" xlink:label="lab_san_SantanderUSCapitalMarketsLLCMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Santander US Capital Markets LLC</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderUSCapitalMarketsLLCMember" xlink:href="san-20251231.xsd#san_SantanderUSCapitalMarketsLLCMember"/>
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    <link:label id="lab_ifrs-full_AssetsOfBenefitPlan_019ca0fb-cbee-7311-9ed5-e7f0c5973761_terseLabel_en-US" xlink:label="lab_ifrs-full_AssetsOfBenefitPlan" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pension system balance</link:label>
    <link:label id="lab_ifrs-full_AssetsOfBenefitPlan_label_en-US" xlink:label="lab_ifrs-full_AssetsOfBenefitPlan" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets of benefit plan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AssetsOfBenefitPlan" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AssetsOfBenefitPlan"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AssetsOfBenefitPlan" xlink:to="lab_ifrs-full_AssetsOfBenefitPlan" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IfrsTierOneLeverageCapital_019ca0fb-cbee-785a-9b6f-3500d7e5c21c_terseLabel_en-US" xlink:label="lab_san_IfrsTierOneLeverageCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Level 1 Capital</link:label>
    <link:label id="lab_san_IfrsTierOneLeverageCapital_label_en-US" xlink:label="lab_san_IfrsTierOneLeverageCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS Tier One Leverage Capital</link:label>
    <link:label id="lab_san_IfrsTierOneLeverageCapital_documentation_en-US" xlink:label="lab_san_IfrsTierOneLeverageCapital" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tier 1 Leverage Capital as defined in international regulations. Also called Core Capital.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IfrsTierOneLeverageCapital" xlink:href="san-20251231.xsd#san_IfrsTierOneLeverageCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IfrsTierOneLeverageCapital" xlink:to="lab_san_IfrsTierOneLeverageCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems_019ca0fb-cbee-721e-a93d-3ef41c019a1c_terseLabel_en-US" xlink:label="lab_san_DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreign currency balance translation differences and other items</link:label>
    <link:label id="lab_san_DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems_label_en-US" xlink:label="lab_san_DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Expense Tax Asset Income Tax Relating To Components Of Foreign Currency Balance Translation Differences And Other Items</link:label>
    <link:label id="lab_san_DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems_documentation_en-US" xlink:label="lab_san_DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of income tax relating to amounts recognized from foreign currency balance translation differences and other items.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" xlink:href="san-20251231.xsd#san_DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" xlink:to="lab_san_DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SantanderConsumerGermanyMember_019ca0fb-cad3-7282-8452-3420579e128f_terseLabel_en-US" xlink:label="lab_san_SantanderConsumerGermanyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Santander Consumer Germany</link:label>
    <link:label id="lab_san_SantanderConsumerGermanyMember_label_en-US" xlink:label="lab_san_SantanderConsumerGermanyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Santander Consumer Germany [Member]</link:label>
    <link:label id="lab_san_SantanderConsumerGermanyMember_documentation_en-US" xlink:label="lab_san_SantanderConsumerGermanyMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Santander Consumer Germany, a subsidiary of the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SantanderConsumerGermanyMember" xlink:href="san-20251231.xsd#san_SantanderConsumerGermanyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SantanderConsumerGermanyMember" xlink:to="lab_san_SantanderConsumerGermanyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory_019ca0fb-cad3-7f21-8ead-d8a85c0c80aa_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible assets</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description of accounting policy for intangible assets and goodwill [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory" xlink:to="lab_ifrs-full_DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProfitLossAttributableToShareholdersOfParentMember_019ca0fb-c9cd-7a04-92c0-88e933912779_terseLabel_en-US" xlink:label="lab_san_ProfitLossAttributableToShareholdersOfParentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Profit attributable&#160;to shareholders of the parent</link:label>
    <link:label id="lab_san_ProfitLossAttributableToShareholdersOfParentMember_label_en-US" xlink:label="lab_san_ProfitLossAttributableToShareholdersOfParentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit (Loss) Attributable To Shareholders Of Parent [Member]</link:label>
    <link:label id="lab_san_ProfitLossAttributableToShareholdersOfParentMember_documentation_en-US" xlink:label="lab_san_ProfitLossAttributableToShareholdersOfParentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the portion of total equity representing net profit or loss attributable to parent.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProfitLossAttributableToShareholdersOfParentMember" xlink:href="san-20251231.xsd#san_ProfitLossAttributableToShareholdersOfParentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProfitLossAttributableToShareholdersOfParentMember" xlink:to="lab_san_ProfitLossAttributableToShareholdersOfParentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfDetailedInformationAboutDebtInstrumentsExplanatoryTableTextBlock_019ca0fb-cbee-7061-8754-ba33cc63aa7a_terseLabel_en-US" xlink:label="lab_san_DisclosureOfDetailedInformationAboutDebtInstrumentsExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about debt instruments explanatory</link:label>
    <link:label id="lab_san_DisclosureOfDetailedInformationAboutDebtInstrumentsExplanatoryTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfDetailedInformationAboutDebtInstrumentsExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Detailed Information About Debt Instruments Explanatory [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfDetailedInformationAboutDebtInstrumentsExplanatoryTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfDetailedInformationAboutDebtInstrumentsExplanatoryTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure Of Detailed Information About Debt Instruments Explanatory</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfDetailedInformationAboutDebtInstrumentsExplanatoryTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfDetailedInformationAboutDebtInstrumentsExplanatoryTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfDetailedInformationAboutDebtInstrumentsExplanatoryTableTextBlock" xlink:to="lab_san_DisclosureOfDetailedInformationAboutDebtInstrumentsExplanatoryTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_SouthAmericaMember_019ca0fb-cad3-79d6-976d-ce162dbca9ec_terseLabel_en-US" xlink:label="lab_srt_SouthAmericaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total South America</link:label>
    <link:label id="lab_srt_SouthAmericaMember_label_en-US" xlink:label="lab_srt_SouthAmericaMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">South America [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SouthAmericaMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_SouthAmericaMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_SouthAmericaMember" xlink:to="lab_srt_SouthAmericaMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SecuredLoansReceivableMember_019ca0fb-cbee-7b1f-b635-c13070b79662_terseLabel_en-US" xlink:label="lab_san_SecuredLoansReceivableMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Secured loans</link:label>
    <link:label id="lab_san_SecuredLoansReceivableMember_label_en-US" xlink:label="lab_san_SecuredLoansReceivableMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Secured Loans Receivable [Member]</link:label>
    <link:label id="lab_san_SecuredLoansReceivableMember_documentation_en-US" xlink:label="lab_san_SecuredLoansReceivableMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for secured loan receivables.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SecuredLoansReceivableMember" xlink:href="san-20251231.xsd#san_SecuredLoansReceivableMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SecuredLoansReceivableMember" xlink:to="lab_san_SecuredLoansReceivableMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency_019ca0fb-cbee-7f23-b922-be7b92fd6abe_terseLabel_en-US" xlink:label="lab_san_IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">1 % depreciation of euro, effect on consolidated profit</link:label>
    <link:label id="lab_san_IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency_label_en-US" xlink:label="lab_san_IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase In Consolidated Profit Due To Reasonably Possible Depreciation Of Entity's Functional Currency</link:label>
    <link:label id="lab_san_IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency_documentation_en-US" xlink:label="lab_san_IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The estimated increase in consolidated profit that would have been caused by a depreciation of entity's functional currency that was reasonably possible at the end of the reporting period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" xlink:href="san-20251231.xsd#san_IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" xlink:to="lab_san_IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax_019ca0fb-cc70-7290-b200-3416185e1af2_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revaluation gains (losses)</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax_label_en-US" xlink:label="lab_ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains (losses) on hedges of net investments in foreign operations, before tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:to="lab_ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IFRSStandardPoorsARatingMember_019ca0fb-cad3-7644-af6e-f835eb093d7f_terseLabel_en-US" xlink:label="lab_san_IFRSStandardPoorsARatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">A</link:label>
    <link:label id="lab_san_IFRSStandardPoorsARatingMember_label_en-US" xlink:label="lab_san_IFRSStandardPoorsARatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS Standard Poors A Rating [Member]</link:label>
    <link:label id="lab_san_IFRSStandardPoorsARatingMember_documentation_en-US" xlink:label="lab_san_IFRSStandardPoorsARatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">"A" credit rating as defined by the external credit rating agency, Standard &amp; Poor's.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IFRSStandardPoorsARatingMember" xlink:href="san-20251231.xsd#san_IFRSStandardPoorsARatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IFRSStandardPoorsARatingMember" xlink:to="lab_san_IFRSStandardPoorsARatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CashFlowReservesOrConversionReservesDiscontinuedHedges_019ca0fb-cc70-7d20-b537-00516a4587e4_terseLabel_en-US" xlink:label="lab_san_CashFlowReservesOrConversionReservesDiscontinuedHedges" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash flow hedge/currency translation reserve- Discontinued hedges</link:label>
    <link:label id="lab_san_CashFlowReservesOrConversionReservesDiscontinuedHedges_label_en-US" xlink:label="lab_san_CashFlowReservesOrConversionReservesDiscontinuedHedges" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Flow Reserves Or Conversion Reserves, Discontinued Hedges</link:label>
    <link:label id="lab_san_CashFlowReservesOrConversionReservesDiscontinuedHedges_documentation_en-US" xlink:label="lab_san_CashFlowReservesOrConversionReservesDiscontinuedHedges" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A component of equity representing the reserve of cash flow hedges and reserve of exchange differences on translation in relation to hedging relationships for which hedge accounting is no longer applied.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CashFlowReservesOrConversionReservesDiscontinuedHedges" xlink:href="san-20251231.xsd#san_CashFlowReservesOrConversionReservesDiscontinuedHedges"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CashFlowReservesOrConversionReservesDiscontinuedHedges" xlink:to="lab_san_CashFlowReservesOrConversionReservesDiscontinuedHedges" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_019ca0fb-ca4e-75c6-82cc-9b5527142198_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets measured at fair value through other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:to="lab_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_HouseholdsOtherMember_019ca0fb-cb6b-7720-b377-d072f2c98229_terseLabel_en-US" xlink:label="lab_san_HouseholdsOtherMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Households - other</link:label>
    <link:label id="lab_san_HouseholdsOtherMember_label_en-US" xlink:label="lab_san_HouseholdsOtherMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Households Other [Member]</link:label>
    <link:label id="lab_san_HouseholdsOtherMember_documentation_en-US" xlink:label="lab_san_HouseholdsOtherMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for households customers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_HouseholdsOtherMember" xlink:href="san-20251231.xsd#san_HouseholdsOtherMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_HouseholdsOtherMember" xlink:to="lab_san_HouseholdsOtherMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AuditorFirmAxis_019ca0fb-c94e-7d87-8c9d-6a6bdf8a4535_terseLabel_en-US" xlink:label="lab_san_AuditorFirmAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Auditor Firm [Axis]</link:label>
    <link:label id="lab_san_AuditorFirmAxis_label_en-US" xlink:label="lab_san_AuditorFirmAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Auditor Firm [Axis]</link:label>
    <link:label id="lab_san_AuditorFirmAxis_documentation_en-US" xlink:label="lab_san_AuditorFirmAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Auditor Firm</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AuditorFirmAxis" xlink:href="san-20251231.xsd#san_AuditorFirmAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AuditorFirmAxis" xlink:to="lab_san_AuditorFirmAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansAndAdvancesCreditInstitutionsMember_019ca0fb-cc70-737a-abd5-8f6ccc89ebc5_terseLabel_en-US" xlink:label="lab_san_LoansAndAdvancesCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit institutions</link:label>
    <link:label id="lab_san_LoansAndAdvancesCreditInstitutionsMember_019ca0fb-cc70-7493-8373-f6cee140e063_verboseLabel_en-US" xlink:label="lab_san_LoansAndAdvancesCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances: credit institutions</link:label>
    <link:label id="lab_san_LoansAndAdvancesCreditInstitutionsMember_label_en-US" xlink:label="lab_san_LoansAndAdvancesCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans And Advances, Credit Institutions [Member]</link:label>
    <link:label id="lab_san_LoansAndAdvancesCreditInstitutionsMember_documentation_en-US" xlink:label="lab_san_LoansAndAdvancesCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents the credit of any nature, including deposits and money market operations, in the name of credit institutions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansAndAdvancesCreditInstitutionsMember" xlink:href="san-20251231.xsd#san_LoansAndAdvancesCreditInstitutionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansAndAdvancesCreditInstitutionsMember" xlink:to="lab_san_LoansAndAdvancesCreditInstitutionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BancoComercialEDeInvestimentoSudamerisSAMember_019ca0fb-cb6b-7911-b2c2-49a19b17fa49_terseLabel_en-US" xlink:label="lab_san_BancoComercialEDeInvestimentoSudamerisSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Comercial e de Investimento Sudameris S.A</link:label>
    <link:label id="lab_san_BancoComercialEDeInvestimentoSudamerisSAMember_label_en-US" xlink:label="lab_san_BancoComercialEDeInvestimentoSudamerisSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banco Comercial e de Investimento Sudameris S.A [Member]</link:label>
    <link:label id="lab_san_BancoComercialEDeInvestimentoSudamerisSAMember_documentation_en-US" xlink:label="lab_san_BancoComercialEDeInvestimentoSudamerisSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Banco Comercial e de Investimento Sudameris S.A</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BancoComercialEDeInvestimentoSudamerisSAMember" xlink:href="san-20251231.xsd#san_BancoComercialEDeInvestimentoSudamerisSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BancoComercialEDeInvestimentoSudamerisSAMember" xlink:to="lab_san_BancoComercialEDeInvestimentoSudamerisSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_019ca0fb-cad2-778e-b6f3-7b2c040e8dff_terseLabel_en-US" xlink:label="lab_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment, Name [Axis]</link:label>
    <link:label id="lab_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_label_en-US" xlink:label="lab_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment, Name [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:to="lab_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue_019ca0fb-c94e-71b3-adaa-2d10849edced_terseLabel_en-US" xlink:label="lab_san_DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vested obligations to retired employees</link:label>
    <link:label id="lab_san_DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue_label_en-US" xlink:label="lab_san_DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Obligation To Vested Obligations To Retired Employees At Present Value</link:label>
    <link:label id="lab_san_DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue_documentation_en-US" xlink:label="lab_san_DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The present value, without deducting any plan assets, of expected future payments required to settle the vested obligations to retired employees resulting from employee service in the current and prior periods.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue" xlink:href="san-20251231.xsd#san_DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue" xlink:to="lab_san_DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MortgageLettersMeasurementInputMember_019ca0fb-cad3-72ca-8d73-af0ff091d3f6_terseLabel_en-US" xlink:label="lab_san_MortgageLettersMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage Letters</link:label>
    <link:label id="lab_san_MortgageLettersMeasurementInputMember_label_en-US" xlink:label="lab_san_MortgageLettersMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Letters, Measurement Input [Member]</link:label>
    <link:label id="lab_san_MortgageLettersMeasurementInputMember_documentation_en-US" xlink:label="lab_san_MortgageLettersMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Letters, Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MortgageLettersMeasurementInputMember" xlink:href="san-20251231.xsd#san_MortgageLettersMeasurementInputMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MortgageLettersMeasurementInputMember" xlink:to="lab_san_MortgageLettersMeasurementInputMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLoss_019ca0fb-c9cd-786a-924a-8d3bbb2894e3_verboseLabel_en-US" xlink:label="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Impairment losses charged to income</link:label>
    <link:label id="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLoss_019ca0fb-c9cd-7d88-a6fa-170b95ad0edb_terseLabel_en-US" xlink:label="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impairment losses charged to profit or loss</link:label>
    <link:label id="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLoss_label_en-US" xlink:label="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment loss recognised in profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ImpairmentLossRecognisedInProfitOrLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ImpairmentLossRecognisedInProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ImpairmentLossRecognisedInProfitOrLoss" xlink:to="lab_ifrs-full_ImpairmentLossRecognisedInProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AuditorsRemunerationForTaxServices_019ca0fb-c9cd-79d1-9bf4-8950d91a2775_terseLabel_en-US" xlink:label="lab_ifrs-full_AuditorsRemunerationForTaxServices" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax services</link:label>
    <link:label id="lab_ifrs-full_AuditorsRemunerationForTaxServices_label_en-US" xlink:label="lab_ifrs-full_AuditorsRemunerationForTaxServices" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Auditor's remuneration for tax services</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AuditorsRemunerationForTaxServices" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AuditorsRemunerationForTaxServices"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AuditorsRemunerationForTaxServices" xlink:to="lab_ifrs-full_AuditorsRemunerationForTaxServices" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProportionOfOwnershipInterestInSubsidiary_019ca0fb-cb6b-7b50-af02-1c4cf07ed9ab_terseLabel_en-US" xlink:label="lab_ifrs-full_ProportionOfOwnershipInterestInSubsidiary" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ownership interest in subsidiary</link:label>
    <link:label id="lab_ifrs-full_ProportionOfOwnershipInterestInSubsidiary_label_en-US" xlink:label="lab_ifrs-full_ProportionOfOwnershipInterestInSubsidiary" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proportion of ownership interest in subsidiary</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProportionOfOwnershipInterestInSubsidiary" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProportionOfOwnershipInterestInSubsidiary"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProportionOfOwnershipInterestInSubsidiary" xlink:to="lab_ifrs-full_ProportionOfOwnershipInterestInSubsidiary" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisposalOfMajorSubsidiaryMember_019ca0fb-c94e-7aae-bce8-35e25ac24a0c_terseLabel_en-US" xlink:label="lab_ifrs-full_DisposalOfMajorSubsidiaryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disposal of major subsidiary</link:label>
    <link:label id="lab_ifrs-full_DisposalOfMajorSubsidiaryMember_label_en-US" xlink:label="lab_ifrs-full_DisposalOfMajorSubsidiaryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal of major subsidiary [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisposalOfMajorSubsidiaryMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisposalOfMajorSubsidiaryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisposalOfMajorSubsidiaryMember" xlink:to="lab_ifrs-full_DisposalOfMajorSubsidiaryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PeriodOfSuspensionOfEconomicPlanProcesses_019ca0fb-cad3-7595-b126-831f2bedafe9_terseLabel_en-US" xlink:label="lab_san_PeriodOfSuspensionOfEconomicPlanProcesses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Period of suspension of economic plan process</link:label>
    <link:label id="lab_san_PeriodOfSuspensionOfEconomicPlanProcesses_label_en-US" xlink:label="lab_san_PeriodOfSuspensionOfEconomicPlanProcesses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Period Of Suspension Of Economic Plan Processes</link:label>
    <link:label id="lab_san_PeriodOfSuspensionOfEconomicPlanProcesses_documentation_en-US" xlink:label="lab_san_PeriodOfSuspensionOfEconomicPlanProcesses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The period of time for which all economic plan processes, such as those that gave rise to Planos Economicos civil suits, are ordered suspended.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PeriodOfSuspensionOfEconomicPlanProcesses" xlink:href="san-20251231.xsd#san_PeriodOfSuspensionOfEconomicPlanProcesses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PeriodOfSuspensionOfEconomicPlanProcesses" xlink:to="lab_san_PeriodOfSuspensionOfEconomicPlanProcesses" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease_019ca0fb-c94e-7246-bd29-ccfededacc9d_negatedTerseLabel_en-US" xlink:label="lab_san_FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Change in CVA (as a percent)</link:label>
    <link:label id="lab_san_FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease_label_en-US" xlink:label="lab_san_FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instruments, Credit Valuation Adjustment, Increase (Decrease)</link:label>
    <link:label id="lab_san_FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease_documentation_en-US" xlink:label="lab_san_FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (decrease) in credit valuation adjustment from prior year as a percent.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease" xlink:href="san-20251231.xsd#san_FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease" xlink:to="lab_san_FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityRegistrantName_019ca0fb-cb6b-793f-840d-047461b83e54_terseLabel_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:label id="lab_dei_EntityRegistrantName_label_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityRegistrantName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityRegistrantName" xlink:to="lab_dei_EntityRegistrantName" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_BasicEarningsLossPerShare_019ca0fb-cad3-764c-b58a-095ccc3ad2a3_terseLabel_en-US" xlink:label="lab_ifrs-full_BasicEarningsLossPerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basic (in euro per share)</link:label>
    <link:label id="lab_ifrs-full_BasicEarningsLossPerShare_019ca0fb-cad3-7506-aefe-ed7156171b82_totalLabel_en-US" xlink:label="lab_ifrs-full_BasicEarningsLossPerShare" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Basic earnings (loss) per share (in euro per share)</link:label>
    <link:label id="lab_ifrs-full_BasicEarningsLossPerShare_label_en-US" xlink:label="lab_ifrs-full_BasicEarningsLossPerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Basic earnings (loss) per share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BasicEarningsLossPerShare" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_BasicEarningsLossPerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BasicEarningsLossPerShare" xlink:to="lab_ifrs-full_BasicEarningsLossPerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MeasurementAxis_019ca0fb-cb6b-7a67-9404-1cbe78a0311f_terseLabel_en-US" xlink:label="lab_ifrs-full_MeasurementAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement [axis]</link:label>
    <link:label id="lab_ifrs-full_MeasurementAxis_label_en-US" xlink:label="lab_ifrs-full_MeasurementAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MeasurementAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MeasurementAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MeasurementAxis" xlink:to="lab_ifrs-full_MeasurementAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansAndAdvancesToCustomersTable_019ca0fb-ca4d-785c-8733-d7dc0ff16c2f_terseLabel_en-US" xlink:label="lab_san_LoansAndAdvancesToCustomersTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans And Advances To Customers [Table]</link:label>
    <link:label id="lab_san_LoansAndAdvancesToCustomersTable_label_en-US" xlink:label="lab_san_LoansAndAdvancesToCustomersTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans And Advances To Customers [Table]</link:label>
    <link:label id="lab_san_LoansAndAdvancesToCustomersTable_documentation_en-US" xlink:label="lab_san_LoansAndAdvancesToCustomersTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of information about loans and advances to customers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansAndAdvancesToCustomersTable" xlink:href="san-20251231.xsd#san_LoansAndAdvancesToCustomersTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansAndAdvancesToCustomersTable" xlink:to="lab_san_LoansAndAdvancesToCustomersTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageOfAnnualNetProfitRequiredToBeTransferredToLegalReserve_019ca0fb-cad3-7328-a300-28c759ef1bf5_verboseLabel_en-US" xlink:label="lab_san_PercentageOfAnnualNetProfitRequiredToBeTransferredToLegalReserve" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Percentage of annual net profit required to be transferred to the legal reserve</link:label>
    <link:label id="lab_san_PercentageOfAnnualNetProfitRequiredToBeTransferredToLegalReserve_label_en-US" xlink:label="lab_san_PercentageOfAnnualNetProfitRequiredToBeTransferredToLegalReserve" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Annual Net Profit Required To Be Transferred To Legal Reserve</link:label>
    <link:label id="lab_san_PercentageOfAnnualNetProfitRequiredToBeTransferredToLegalReserve_documentation_en-US" xlink:label="lab_san_PercentageOfAnnualNetProfitRequiredToBeTransferredToLegalReserve" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of annual net profit required to be transferred to the legal reserve under the Consolidated Spanish Limited Liability companies Law.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageOfAnnualNetProfitRequiredToBeTransferredToLegalReserve" xlink:href="san-20251231.xsd#san_PercentageOfAnnualNetProfitRequiredToBeTransferredToLegalReserve"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageOfAnnualNetProfitRequiredToBeTransferredToLegalReserve" xlink:to="lab_san_PercentageOfAnnualNetProfitRequiredToBeTransferredToLegalReserve" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract_019ca0fb-cb6b-73ce-9aae-ec716f12f8c6_terseLabel_en-US" xlink:label="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets offset in the consolidated balance sheets</link:label>
    <link:label id="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract_label_en-US" xlink:label="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net financial assets subject to offsetting, enforceable master netting arrangements or similar agreements in statement of financial position [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract" xlink:to="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanTenthCycleMember_019ca0fb-c94e-782a-9053-790ca65be0ca_terseLabel_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanTenthCycleMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred Multiyear Objectives Variable Remuneration Plan Tenth Cycle</link:label>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanTenthCycleMember_label_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanTenthCycleMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Multiyear Objectives Variable Remuneration Plan Tenth Cycle [Member]</link:label>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanTenthCycleMember_documentation_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanTenthCycleMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Multiyear Objectives Variable Remuneration Plan Tenth Cycle</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredMultiyearObjectivesVariableRemunerationPlanTenthCycleMember" xlink:href="san-20251231.xsd#san_DeferredMultiyearObjectivesVariableRemunerationPlanTenthCycleMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredMultiyearObjectivesVariableRemunerationPlanTenthCycleMember" xlink:to="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanTenthCycleMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits_019ca0fb-cbee-7b36-a862-ccaac33bf21a_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable subject to long-term objectives in shares</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits_019ca0fb-cbee-74b3-89e0-b87167dca7ea_verboseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Instrument payment</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Variable Share-Based Long-Term Employee Benefits</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of variable share-based compensation to key management personnel in the form of other long-term employee benefits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits" xlink:to="lab_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPercentage_019ca0fb-c9cd-71ba-92c4-cd68050574c1_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred payment percentage</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPercentage_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Percentage</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPercentage_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage of variable remuneration with deferred payment during the period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPercentage" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPercentage" xlink:to="lab_san_VariableRemunerationDeferredPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanSixthCycle2016Member_019ca0fb-c94e-75e7-a106-7460fa4bd6c5_terseLabel_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanSixthCycle2016Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred conditional variable remuneration plan sixth cycle</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanSixthCycle2016Member_label_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanSixthCycle2016Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Conditional Variable Remuneration Plan Sixth Cycle 2016 [Member]</link:label>
    <link:label id="lab_san_DeferredConditionalVariableRemunerationPlanSixthCycle2016Member_documentation_en-US" xlink:label="lab_san_DeferredConditionalVariableRemunerationPlanSixthCycle2016Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to the Deferred Conditional Variable Remuneration Plan Sixth Cycle (2016).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredConditionalVariableRemunerationPlanSixthCycle2016Member" xlink:href="san-20251231.xsd#san_DeferredConditionalVariableRemunerationPlanSixthCycle2016Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredConditionalVariableRemunerationPlanSixthCycle2016Member" xlink:to="lab_san_DeferredConditionalVariableRemunerationPlanSixthCycle2016Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FinancingReceivablesModificationsNumberOfContracts_019ca0fb-ca4e-775e-852c-f7da9c715fc4_terseLabel_en-US" xlink:label="lab_san_FinancingReceivablesModificationsNumberOfContracts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of transactions (in loans)</link:label>
    <link:label id="lab_san_FinancingReceivablesModificationsNumberOfContracts_label_en-US" xlink:label="lab_san_FinancingReceivablesModificationsNumberOfContracts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivables, Modifications, Number Of Contracts</link:label>
    <link:label id="lab_san_FinancingReceivablesModificationsNumberOfContracts_documentation_en-US" xlink:label="lab_san_FinancingReceivablesModificationsNumberOfContracts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of financing receivables with modifications of contractual future cash flows.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinancingReceivablesModificationsNumberOfContracts" xlink:href="san-20251231.xsd#san_FinancingReceivablesModificationsNumberOfContracts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FinancingReceivablesModificationsNumberOfContracts" xlink:to="lab_san_FinancingReceivablesModificationsNumberOfContracts" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherLiabilitiesPolicyPolicyTextBlock_019ca0fb-cc70-76b2-8e21-0cb420514b28_terseLabel_en-US" xlink:label="lab_san_OtherLiabilitiesPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other liabilities</link:label>
    <link:label id="lab_san_OtherLiabilitiesPolicyPolicyTextBlock_label_en-US" xlink:label="lab_san_OtherLiabilitiesPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Liabilities, Policy [Policy Text Block]</link:label>
    <link:label id="lab_san_OtherLiabilitiesPolicyPolicyTextBlock_documentation_en-US" xlink:label="lab_san_OtherLiabilitiesPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of accounting policy regarding liabilities classified as other.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherLiabilitiesPolicyPolicyTextBlock" xlink:href="san-20251231.xsd#san_OtherLiabilitiesPolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherLiabilitiesPolicyPolicyTextBlock" xlink:to="lab_san_OtherLiabilitiesPolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AssignedThirdPartyCommissionsCollectionExpense_019ca0fb-cb6b-7198-9fa5-6554b99ae3af_terseLabel_en-US" xlink:label="lab_san_AssignedThirdPartyCommissionsCollectionExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">By collection and return of effects</link:label>
    <link:label id="lab_san_AssignedThirdPartyCommissionsCollectionExpense_label_en-US" xlink:label="lab_san_AssignedThirdPartyCommissionsCollectionExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assigned Third Party Commissions Collection Expense</link:label>
    <link:label id="lab_san_AssignedThirdPartyCommissionsCollectionExpense_documentation_en-US" xlink:label="lab_san_AssignedThirdPartyCommissionsCollectionExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of commissions assigned to third parties from collection and return of effects.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AssignedThirdPartyCommissionsCollectionExpense" xlink:href="san-20251231.xsd#san_AssignedThirdPartyCommissionsCollectionExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AssignedThirdPartyCommissionsCollectionExpense" xlink:to="lab_san_AssignedThirdPartyCommissionsCollectionExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TimeHorizonValueAtRiskAndExpectedShortfallConfidenceLevelPeriod_019ca0fb-cbee-74b0-9e79-2cc6695efd57_terseLabel_en-US" xlink:label="lab_san_TimeHorizonValueAtRiskAndExpectedShortfallConfidenceLevelPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Time horizon</link:label>
    <link:label id="lab_san_TimeHorizonValueAtRiskAndExpectedShortfallConfidenceLevelPeriod_label_en-US" xlink:label="lab_san_TimeHorizonValueAtRiskAndExpectedShortfallConfidenceLevelPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Time Horizon, Value At Risk And Expected Shortfall Confidence Level, Period</link:label>
    <link:label id="lab_san_TimeHorizonValueAtRiskAndExpectedShortfallConfidenceLevelPeriod_documentation_en-US" xlink:label="lab_san_TimeHorizonValueAtRiskAndExpectedShortfallConfidenceLevelPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Time Horizon, Value At Risk And Expected Shortfall Confidence Level, Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TimeHorizonValueAtRiskAndExpectedShortfallConfidenceLevelPeriod" xlink:href="san-20251231.xsd#san_TimeHorizonValueAtRiskAndExpectedShortfallConfidenceLevelPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TimeHorizonValueAtRiskAndExpectedShortfallConfidenceLevelPeriod" xlink:to="lab_san_TimeHorizonValueAtRiskAndExpectedShortfallConfidenceLevelPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_san_A2025ProgramFirstMember_019ca0fb-c94e-73e5-8b4e-e8a7a4f18df1_terseLabel_en-US" xlink:label="lab_san_A2025ProgramFirstMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2025 Program, First</link:label>
    <link:label id="lab_san_A2025ProgramFirstMember_label_en-US" xlink:label="lab_san_A2025ProgramFirstMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">2025 Program, First [Member]</link:label>
    <link:label id="lab_san_A2025ProgramFirstMember_documentation_en-US" xlink:label="lab_san_A2025ProgramFirstMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">2025 Program, First</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_A2025ProgramFirstMember" xlink:href="san-20251231.xsd#san_A2025ProgramFirstMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_A2025ProgramFirstMember" xlink:to="lab_san_A2025ProgramFirstMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations_019ca0fb-c94e-7311-9748-af5df58284e5_verboseLabel_en-US" xlink:label="lab_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Non-current assets held for sale and associated liabilities</link:label>
    <link:label id="lab_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations_label_en-US" xlink:label="lab_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from disposal of non-current assets or disposal groups classified as held for sale and discontinued operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations" xlink:to="lab_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RetailAndCommercialBankingMember_019ca0fb-cb6b-7b87-bcf9-3c9226c44a3e_terseLabel_en-US" xlink:label="lab_san_RetailAndCommercialBankingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retail &amp; Commercial Banking</link:label>
    <link:label id="lab_san_RetailAndCommercialBankingMember_label_en-US" xlink:label="lab_san_RetailAndCommercialBankingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retail And Commercial Banking [Member]</link:label>
    <link:label id="lab_san_RetailAndCommercialBankingMember_documentation_en-US" xlink:label="lab_san_RetailAndCommercialBankingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents retail and commercial banking.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RetailAndCommercialBankingMember" xlink:href="san-20251231.xsd#san_RetailAndCommercialBankingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RetailAndCommercialBankingMember" xlink:to="lab_san_RetailAndCommercialBankingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LoansAndReceivablesCategoryMember_019ca0fb-cb6b-7d25-a241-912b67532610_terseLabel_en-US" xlink:label="lab_ifrs-full_LoansAndReceivablesCategoryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and receivables</link:label>
    <link:label id="lab_ifrs-full_LoansAndReceivablesCategoryMember_label_en-US" xlink:label="lab_ifrs-full_LoansAndReceivablesCategoryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and receivables, category [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LoansAndReceivablesCategoryMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LoansAndReceivablesCategoryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LoansAndReceivablesCategoryMember" xlink:to="lab_ifrs-full_LoansAndReceivablesCategoryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesTable_019ca0fb-cb6b-7557-ad5d-7f6778c89b95_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of associates [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of associates [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesTable" xlink:to="lab_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherPayables_019ca0fb-ca4e-7405-bd2b-8c3264d3868d_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherPayables" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transactions in transit</link:label>
    <link:label id="lab_ifrs-full_OtherPayables_label_en-US" xlink:label="lab_ifrs-full_OtherPayables" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other payables</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherPayables" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherPayables"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherPayables" xlink:to="lab_ifrs-full_OtherPayables" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherCurrenciesMember_019ca0fb-c9cd-71e4-9b93-8c675899094b_terseLabel_en-US" xlink:label="lab_san_OtherCurrenciesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other currencies</link:label>
    <link:label id="lab_san_OtherCurrenciesMember_label_en-US" xlink:label="lab_san_OtherCurrenciesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Currencies [Member]</link:label>
    <link:label id="lab_san_OtherCurrenciesMember_documentation_en-US" xlink:label="lab_san_OtherCurrenciesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents other currencies.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherCurrenciesMember" xlink:href="san-20251231.xsd#san_OtherCurrenciesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherCurrenciesMember" xlink:to="lab_san_OtherCurrenciesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DecreaseThroughForeclosure_019ca0fb-cc70-78a3-9bbd-edbaf3c71d67_negatedTerseLabel_en-US" xlink:label="lab_san_DecreaseThroughForeclosure" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Foreclosed assets</link:label>
    <link:label id="lab_san_DecreaseThroughForeclosure_label_en-US" xlink:label="lab_san_DecreaseThroughForeclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease Through Foreclosure</link:label>
    <link:label id="lab_san_DecreaseThroughForeclosure_documentation_en-US" xlink:label="lab_san_DecreaseThroughForeclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The decrease in financial assets resulting from foreclosures.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DecreaseThroughForeclosure" xlink:href="san-20251231.xsd#san_DecreaseThroughForeclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DecreaseThroughForeclosure" xlink:to="lab_san_DecreaseThroughForeclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_EstimatedFinancialEffectOfContingentLiabilities_019ca0fb-cb6b-7a50-8a5a-952432d9afe7_terseLabel_en-US" xlink:label="lab_ifrs-full_EstimatedFinancialEffectOfContingentLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal proceedings provision, possible loss, contingent liabilities</link:label>
    <link:label id="lab_ifrs-full_EstimatedFinancialEffectOfContingentLiabilities_label_en-US" xlink:label="lab_ifrs-full_EstimatedFinancialEffectOfContingentLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimated financial effect of contingent liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EstimatedFinancialEffectOfContingentLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_EstimatedFinancialEffectOfContingentLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_EstimatedFinancialEffectOfContingentLiabilities" xlink:to="lab_ifrs-full_EstimatedFinancialEffectOfContingentLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BankingBookMember_019ca0fb-cb6b-7152-8d17-e03843c0fc25_terseLabel_en-US" xlink:label="lab_san_BankingBookMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banking book</link:label>
    <link:label id="lab_san_BankingBookMember_label_en-US" xlink:label="lab_san_BankingBookMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Book [Member]</link:label>
    <link:label id="lab_san_BankingBookMember_documentation_en-US" xlink:label="lab_san_BankingBookMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents financial assets and liabilities held to maturity. Excludes assets and liabilities held for trading.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BankingBookMember" xlink:href="san-20251231.xsd#san_BankingBookMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BankingBookMember" xlink:to="lab_san_BankingBookMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PresentValueMethodMember_019ca0fb-c94e-7525-8080-1dbb5c2860dc_terseLabel_en-US" xlink:label="lab_san_PresentValueMethodMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Present value method</link:label>
    <link:label id="lab_san_PresentValueMethodMember_label_en-US" xlink:label="lab_san_PresentValueMethodMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Present Value Method [Member]</link:label>
    <link:label id="lab_san_PresentValueMethodMember_documentation_en-US" xlink:label="lab_san_PresentValueMethodMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Present Value Method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PresentValueMethodMember" xlink:href="san-20251231.xsd#san_PresentValueMethodMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PresentValueMethodMember" xlink:to="lab_san_PresentValueMethodMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SwapRateMeasurementInputMember_019ca0fb-c94e-7197-b9b6-fe755f912f70_terseLabel_en-US" xlink:label="lab_san_SwapRateMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Swap rate</link:label>
    <link:label id="lab_san_SwapRateMeasurementInputMember_label_en-US" xlink:label="lab_san_SwapRateMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Swap Rate, Measurement Input [Member]</link:label>
    <link:label id="lab_san_SwapRateMeasurementInputMember_documentation_en-US" xlink:label="lab_san_SwapRateMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Swap Rate, Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SwapRateMeasurementInputMember" xlink:href="san-20251231.xsd#san_SwapRateMeasurementInputMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SwapRateMeasurementInputMember" xlink:to="lab_san_SwapRateMeasurementInputMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfOffsettingOfFinancialAssetsAndFinancialLiabilitiesExplanatory_019ca0fb-cad3-761a-ab98-1dda0c646f48_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfOffsettingOfFinancialAssetsAndFinancialLiabilitiesExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of offsetting of financial instruments</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfOffsettingOfFinancialAssetsAndFinancialLiabilitiesExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfOffsettingOfFinancialAssetsAndFinancialLiabilitiesExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of offsetting of financial assets and financial liabilities [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfOffsettingOfFinancialAssetsAndFinancialLiabilitiesExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfOffsettingOfFinancialAssetsAndFinancialLiabilitiesExplanatory"/>
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    <link:label id="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_019ca0fb-cad3-749e-805f-cac4a565adfc_terseLabel_en-US" xlink:label="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets subject to netting and collateral arrangements on balance sheet</link:label>
    <link:label id="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements_label_en-US" xlink:label="lab_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net financial assets subject to offsetting, enforceable master netting arrangements or similar agreements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements"/>
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    <link:label id="lab_san_TaxesAndOtherLegalContingenciesProvisionMember_019ca0fb-c94e-7b94-a933-0f6c73252657_terseLabel_en-US" xlink:label="lab_san_TaxesAndOtherLegalContingenciesProvisionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Taxes and other legal contingencies</link:label>
    <link:label id="lab_san_TaxesAndOtherLegalContingenciesProvisionMember_label_en-US" xlink:label="lab_san_TaxesAndOtherLegalContingenciesProvisionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Taxes And Other Legal Contingencies Provision [Member]</link:label>
    <link:label id="lab_san_TaxesAndOtherLegalContingenciesProvisionMember_documentation_en-US" xlink:label="lab_san_TaxesAndOtherLegalContingenciesProvisionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents the provision for taxes and other legal contingencies.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TaxesAndOtherLegalContingenciesProvisionMember" xlink:href="san-20251231.xsd#san_TaxesAndOtherLegalContingenciesProvisionMember"/>
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    <link:label id="lab_san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures_019ca0fb-c9cd-7f22-b030-49ac735ff8c4_totalLabel_en-US" xlink:label="lab_san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Items that may be reclassified to profit or loss</link:label>
    <link:label id="lab_san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures_label_en-US" xlink:label="lab_san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax Relating To Components Of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Including Share Of OCI Of Associates And Joint Ventures</link:label>
    <link:label id="lab_san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures_documentation_en-US" xlink:label="lab_san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of income tax relating to amounts recognised in other comprehensive income that will be reclassified to profit or loss, including share of OCI of associates and joint ventures accounted for using the equity method.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures" xlink:href="san-20251231.xsd#san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures" xlink:to="lab_san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DevelopedConsolidatedLandMember_019ca0fb-cb6b-78a3-9f5a-95cd3922fb40_terseLabel_en-US" xlink:label="lab_san_DevelopedConsolidatedLandMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Developed land</link:label>
    <link:label id="lab_san_DevelopedConsolidatedLandMember_label_en-US" xlink:label="lab_san_DevelopedConsolidatedLandMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Developed Consolidated Land [Member]</link:label>
    <link:label id="lab_san_DevelopedConsolidatedLandMember_documentation_en-US" xlink:label="lab_san_DevelopedConsolidatedLandMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for loans for developed consolidated land.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DevelopedConsolidatedLandMember" xlink:href="san-20251231.xsd#san_DevelopedConsolidatedLandMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DevelopedConsolidatedLandMember" xlink:to="lab_san_DevelopedConsolidatedLandMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoanLossesMember_019ca0fb-ca4e-74a6-8e79-94aef8d75425_terseLabel_en-US" xlink:label="lab_san_LoanLossesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan losses</link:label>
    <link:label id="lab_san_LoanLossesMember_label_en-US" xlink:label="lab_san_LoanLossesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Losses [Member]</link:label>
    <link:label id="lab_san_LoanLossesMember_documentation_en-US" xlink:label="lab_san_LoanLossesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for loan losses.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoanLossesMember" xlink:href="san-20251231.xsd#san_LoanLossesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoanLossesMember" xlink:to="lab_san_LoanLossesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfInsuranceContractsLinkedToPensionsTableTextBlock_019ca0fb-cb6b-7f89-94f0-8a9bfc782ce3_terseLabel_en-US" xlink:label="lab_san_DisclosureOfInsuranceContractsLinkedToPensionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of insurance contracts linked to pensions</link:label>
    <link:label id="lab_san_DisclosureOfInsuranceContractsLinkedToPensionsTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfInsuranceContractsLinkedToPensionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Insurance Contracts Linked To Pensions [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfInsuranceContractsLinkedToPensionsTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfInsuranceContractsLinkedToPensionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of insurance contracts linked to pensions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfInsuranceContractsLinkedToPensionsTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfInsuranceContractsLinkedToPensionsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfInsuranceContractsLinkedToPensionsTableTextBlock" xlink:to="lab_san_DisclosureOfInsuranceContractsLinkedToPensionsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansAndAdvancesCentralBanksMember_019ca0fb-ca4e-7e74-a43d-78ca7a164ace_terseLabel_en-US" xlink:label="lab_san_LoansAndAdvancesCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Central banks</link:label>
    <link:label id="lab_san_LoansAndAdvancesCentralBanksMember_label_en-US" xlink:label="lab_san_LoansAndAdvancesCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans And Advances, Central Banks [Member]</link:label>
    <link:label id="lab_san_LoansAndAdvancesCentralBanksMember_documentation_en-US" xlink:label="lab_san_LoansAndAdvancesCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for credit of any nature, including deposits and money market operations received from the central bank in the entity's domicile country or other central banks.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansAndAdvancesCentralBanksMember" xlink:href="san-20251231.xsd#san_LoansAndAdvancesCentralBanksMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansAndAdvancesCentralBanksMember" xlink:to="lab_san_LoansAndAdvancesCentralBanksMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NoncontrollingInterests_019ca0fb-ca4e-74e4-8603-bcb02379b59d_totalLabel_en-US" xlink:label="lab_ifrs-full_NoncontrollingInterests" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">NON-CONTROLLING INTEREST</link:label>
    <link:label id="lab_ifrs-full_NoncontrollingInterests_019ca0fb-ca4e-7fda-88d5-11e3e84a5bb7_terseLabel_en-US" xlink:label="lab_ifrs-full_NoncontrollingInterests" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-controlling interests</link:label>
    <link:label id="lab_ifrs-full_NoncontrollingInterests_label_en-US" xlink:label="lab_ifrs-full_NoncontrollingInterests" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-controlling interests</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NoncontrollingInterests" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NoncontrollingInterests"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NoncontrollingInterests" xlink:to="lab_ifrs-full_NoncontrollingInterests" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation_019ca0fb-c9cd-73b9-90bd-99d3299bd704_terseLabel_en-US" xlink:label="lab_san_ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reserve of hedge of net investments in foreign operations and exchange differences on translation</link:label>
    <link:label id="lab_san_ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation_label_en-US" xlink:label="lab_san_ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reserve Of Hedge Of Net Investments In Foreign Operations Effective Portion And Exchange Differences On Translation</link:label>
    <link:label id="lab_san_ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation_documentation_en-US" xlink:label="lab_san_ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A component of equity representing hedges of net investments in foreign operations, effective portion, and exchange differences on translation of financial statements of foreign operations recognised in other comprehensive income and accumulated in equity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" xlink:href="san-20251231.xsd#san_ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" xlink:to="lab_san_ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DebtSecuritiesMember_019ca0fb-cc70-7dff-9ff9-0b7b0727a7ab_terseLabel_en-US" xlink:label="lab_ifrs-full_DebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities</link:label>
    <link:label id="lab_ifrs-full_DebtSecuritiesMember_019ca0fb-cc70-78af-b2cd-764f2f085b38_verboseLabel_en-US" xlink:label="lab_ifrs-full_DebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Debt instruments</link:label>
    <link:label id="lab_ifrs-full_DebtSecuritiesMember_label_en-US" xlink:label="lab_ifrs-full_DebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt securities [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DebtSecuritiesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DebtSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DebtSecuritiesMember" xlink:to="lab_ifrs-full_DebtSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax_019ca0fb-cc70-7ced-a6c2-9fc37a5483d9_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revaluation gains (losses)</link:label>
    <link:label id="lab_ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax_019ca0fb-cc70-72c4-a503-6324a91216c5_verboseLabel_en-US" xlink:label="lab_ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (EIGR)</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax"/>
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    <link:label id="lab_ifrs-full_SegmentConsolidationItemsAxis_019ca0fb-c94e-7969-b586-a1cccd2d1312_terseLabel_en-US" xlink:label="lab_ifrs-full_SegmentConsolidationItemsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segment consolidation items [axis]</link:label>
    <link:label id="lab_ifrs-full_SegmentConsolidationItemsAxis_label_en-US" xlink:label="lab_ifrs-full_SegmentConsolidationItemsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment consolidation items [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SegmentConsolidationItemsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SegmentConsolidationItemsAxis"/>
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    <link:label id="lab_ifrs-full_DisclosureOfEmployeeBenefitsExplanatory_019ca0fb-ca4e-718c-afb5-77fcb2122601_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfEmployeeBenefitsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Staff costs</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfEmployeeBenefitsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfEmployeeBenefitsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of employee benefits [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfEmployeeBenefitsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfEmployeeBenefitsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfEmployeeBenefitsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfEmployeeBenefitsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LiabilitiesSecuredByMortgageBackedSecurities_019ca0fb-c9cd-7360-8fcd-d76aaf74662d_terseLabel_en-US" xlink:label="lab_san_LiabilitiesSecuredByMortgageBackedSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities secured by mortgage-backed securities</link:label>
    <link:label id="lab_san_LiabilitiesSecuredByMortgageBackedSecurities_label_en-US" xlink:label="lab_san_LiabilitiesSecuredByMortgageBackedSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities Secured By Mortgage-Backed Securities</link:label>
    <link:label id="lab_san_LiabilitiesSecuredByMortgageBackedSecurities_documentation_en-US" xlink:label="lab_san_LiabilitiesSecuredByMortgageBackedSecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of liabilities secured by asset-backed securities that are, specifically, mortgage-backed securities held by the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LiabilitiesSecuredByMortgageBackedSecurities" xlink:href="san-20251231.xsd#san_LiabilitiesSecuredByMortgageBackedSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LiabilitiesSecuredByMortgageBackedSecurities" xlink:to="lab_san_LiabilitiesSecuredByMortgageBackedSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_A2024ProgramFirstMember_019ca0fb-ca4e-7dbc-8f97-e29961b22a7d_terseLabel_en-US" xlink:label="lab_san_A2024ProgramFirstMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2024 Program, First</link:label>
    <link:label id="lab_san_A2024ProgramFirstMember_label_en-US" xlink:label="lab_san_A2024ProgramFirstMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">2024 Program, First [Member]</link:label>
    <link:label id="lab_san_A2024ProgramFirstMember_documentation_en-US" xlink:label="lab_san_A2024ProgramFirstMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">2024 Program, First</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_A2024ProgramFirstMember" xlink:href="san-20251231.xsd#san_A2024ProgramFirstMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_A2024ProgramFirstMember" xlink:to="lab_san_A2024ProgramFirstMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading_019ca0fb-c94e-7116-8b0b-8f8cc644c4f6_negatedLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Financial assets held-for-trading</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments for decrease (increase) in financial assets held for trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" xlink:to="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemTable_019ca0fb-c9cd-706b-875a-6515f146509a_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of analysis of other comprehensive income by item [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of analysis of other comprehensive income by item [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemTable" xlink:to="lab_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CorporateAndInvestmentBankingSegmentMember_019ca0fb-cb6b-7e80-9922-0e35454c9a53_terseLabel_en-US" xlink:label="lab_san_CorporateAndInvestmentBankingSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Corporate &amp; Investment Banking</link:label>
    <link:label id="lab_san_CorporateAndInvestmentBankingSegmentMember_label_en-US" xlink:label="lab_san_CorporateAndInvestmentBankingSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Corporate And Investment Banking Segment [Member]</link:label>
    <link:label id="lab_san_CorporateAndInvestmentBankingSegmentMember_documentation_en-US" xlink:label="lab_san_CorporateAndInvestmentBankingSegmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to the Corporate and Investment Banking (CIB) (formerly Santander Global Corporate Banking) segment. This business reflects the revenues from global corporate banking, investment banking and markets worldwide including treasuries managed globally (always after the appropriate distribution with Retail Banking customers), as well as equities business.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CorporateAndInvestmentBankingSegmentMember" xlink:href="san-20251231.xsd#san_CorporateAndInvestmentBankingSegmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CorporateAndInvestmentBankingSegmentMember" xlink:to="lab_san_CorporateAndInvestmentBankingSegmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_AllCurrenciesDomain_019ca0fb-ca4e-79be-a0c0-5fa2cec6a2d5_terseLabel_en-US" xlink:label="lab_currency_AllCurrenciesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Currencies [Domain]</link:label>
    <link:label id="lab_currency_AllCurrenciesDomain_label_en-US" xlink:label="lab_currency_AllCurrenciesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Currencies [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_AllCurrenciesDomain" xlink:href="https://xbrl.sec.gov/currency/2025/currency-2025.xsd#currency_AllCurrenciesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_AllCurrenciesDomain" xlink:to="lab_currency_AllCurrenciesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MidSwapRateFiveYearEuroMember_019ca0fb-c94e-7cad-aaa1-47431d65b6dc_terseLabel_en-US" xlink:label="lab_san_MidSwapRateFiveYearEuroMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">5-Year Mid-Swap Rate (Euro)</link:label>
    <link:label id="lab_san_MidSwapRateFiveYearEuroMember_label_en-US" xlink:label="lab_san_MidSwapRateFiveYearEuroMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mid Swap Rate Five Year Euro [Member]</link:label>
    <link:label id="lab_san_MidSwapRateFiveYearEuroMember_documentation_en-US" xlink:label="lab_san_MidSwapRateFiveYearEuroMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the 5-year Euro Mid-Swap Rate.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MidSwapRateFiveYearEuroMember" xlink:href="san-20251231.xsd#san_MidSwapRateFiveYearEuroMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MidSwapRateFiveYearEuroMember" xlink:to="lab_san_MidSwapRateFiveYearEuroMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ContractTerminationNoticePeriod_019ca0fb-c9cd-740c-8484-33dfcdc73076_terseLabel_en-US" xlink:label="lab_san_ContractTerminationNoticePeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contract termination, notice period</link:label>
    <link:label id="lab_san_ContractTerminationNoticePeriod_label_en-US" xlink:label="lab_san_ContractTerminationNoticePeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contract Termination, Notice Period</link:label>
    <link:label id="lab_san_ContractTerminationNoticePeriod_documentation_en-US" xlink:label="lab_san_ContractTerminationNoticePeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Contract Termination, Notice Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ContractTerminationNoticePeriod" xlink:href="san-20251231.xsd#san_ContractTerminationNoticePeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ContractTerminationNoticePeriod" xlink:to="lab_san_ContractTerminationNoticePeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfOperatingSegmentsAbstract_019ca0fb-cb6b-7e05-90f9-906f6987da6f_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfOperatingSegmentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of operating segments [abstract]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfOperatingSegmentsAbstract_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfOperatingSegmentsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of operating segments [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfOperatingSegmentsAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfOperatingSegmentsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfOperatingSegmentsAbstract" xlink:to="lab_ifrs-full_DisclosureOfOperatingSegmentsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ConstantPrepaymentRateMeasurementInputMember_019ca0fb-c94e-7bf3-9512-5e54e023ab8b_terseLabel_en-US" xlink:label="lab_ifrs-full_ConstantPrepaymentRateMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Prepayment rate</link:label>
    <link:label id="lab_ifrs-full_ConstantPrepaymentRateMeasurementInputMember_label_en-US" xlink:label="lab_ifrs-full_ConstantPrepaymentRateMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Constant prepayment rate, measurement input [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ConstantPrepaymentRateMeasurementInputMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ConstantPrepaymentRateMeasurementInputMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ConstantPrepaymentRateMeasurementInputMember" xlink:to="lab_ifrs-full_ConstantPrepaymentRateMeasurementInputMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanNinthCycleMember_019ca0fb-cad3-74aa-b636-f1d572f8794a_terseLabel_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanNinthCycleMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred Multiyear Objectives Variable Remuneration Plan Ninth Cycle</link:label>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanNinthCycleMember_label_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanNinthCycleMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Multiyear Objectives Variable Remuneration Plan Ninth Cycle [Member]</link:label>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanNinthCycleMember_documentation_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanNinthCycleMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Multiyear Objectives Variable Remuneration Plan Ninth Cycle</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredMultiyearObjectivesVariableRemunerationPlanNinthCycleMember" xlink:href="san-20251231.xsd#san_DeferredMultiyearObjectivesVariableRemunerationPlanNinthCycleMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredMultiyearObjectivesVariableRemunerationPlanNinthCycleMember" xlink:to="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanNinthCycleMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfPreferenceSharesAndPreferredSecuritiesByIssuerTableTextBlock_019ca0fb-c9cd-7710-a144-8c5ab4fa0c11_terseLabel_en-US" xlink:label="lab_san_DisclosureOfPreferenceSharesAndPreferredSecuritiesByIssuerTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of preferred shares and securities by issuer</link:label>
    <link:label id="lab_san_DisclosureOfPreferenceSharesAndPreferredSecuritiesByIssuerTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfPreferenceSharesAndPreferredSecuritiesByIssuerTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Preference Shares And Preferred Securities By Issuer [Table text block]</link:label>
    <link:label id="lab_san_DisclosureOfPreferenceSharesAndPreferredSecuritiesByIssuerTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfPreferenceSharesAndPreferredSecuritiesByIssuerTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of preference shares and preferred securities by issuer.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfPreferenceSharesAndPreferredSecuritiesByIssuerTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfPreferenceSharesAndPreferredSecuritiesByIssuerTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfPreferenceSharesAndPreferredSecuritiesByIssuerTableTextBlock" xlink:to="lab_san_DisclosureOfPreferenceSharesAndPreferredSecuritiesByIssuerTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TangibleAssets_019ca0fb-ca4e-7762-aef9-2fa43cd8077c_totalLabel_en-US" xlink:label="lab_san_TangibleAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">TANGIBLE ASSETS</link:label>
    <link:label id="lab_san_TangibleAssets_019ca0fb-ca4e-758d-ba4f-85f58c428017_terseLabel_en-US" xlink:label="lab_san_TangibleAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tangible assets</link:label>
    <link:label id="lab_san_TangibleAssets_019ca0fb-ca4e-7a6f-b56f-bd1ae0412bfd_periodStartLabel_en-US" xlink:label="lab_san_TangibleAssets" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance, at the beginning of the period</link:label>
    <link:label id="lab_san_TangibleAssets_019ca0fb-ca4e-72b5-bc0e-f5755134160e_periodEndLabel_en-US" xlink:label="lab_san_TangibleAssets" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance, at the end of the period</link:label>
    <link:label id="lab_san_TangibleAssets_019ca0fb-ca4e-7f80-8409-d66694be8475_verboseLabel_en-US" xlink:label="lab_san_TangibleAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Tangible assets</link:label>
    <link:label id="lab_san_TangibleAssets_label_en-US" xlink:label="lab_san_TangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tangible Assets</link:label>
    <link:label id="lab_san_TangibleAssets_documentation_en-US" xlink:label="lab_san_TangibleAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of tangible assets that are both held for use and expected to used during more than one period. May include property, plant and equipment and investment properties.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TangibleAssets" xlink:href="san-20251231.xsd#san_TangibleAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TangibleAssets" xlink:to="lab_san_TangibleAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BruceCarnegieBrownMember_019ca0fb-cad3-799f-9050-07401847a56b_terseLabel_en-US" xlink:label="lab_san_BruceCarnegieBrownMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bruce Carnegie Brown</link:label>
    <link:label id="lab_san_BruceCarnegieBrownMember_019ca0fb-cad3-7071-8a38-43ad079a60a3_verboseLabel_en-US" xlink:label="lab_san_BruceCarnegieBrownMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Bruce Carnegie Brown</link:label>
    <link:label id="lab_san_BruceCarnegieBrownMember_label_en-US" xlink:label="lab_san_BruceCarnegieBrownMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Bruce Carnegie Brown [Member]</link:label>
    <link:label id="lab_san_BruceCarnegieBrownMember_documentation_en-US" xlink:label="lab_san_BruceCarnegieBrownMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The member that represents an individual key personnel named Bruce Carnegie-Brown.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BruceCarnegieBrownMember" xlink:href="san-20251231.xsd#san_BruceCarnegieBrownMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BruceCarnegieBrownMember" xlink:to="lab_san_BruceCarnegieBrownMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset_019ca0fb-c94e-7057-bcc5-600ba3ecff0c_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchange differences and other items</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset_019ca0fb-c94e-7056-8371-831e69a38dd6_negatedLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Exchange differences and other items</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) in net defined benefit liability (asset) resulting from changes in foreign exchange rates, net defined benefit liability (asset)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseInFinancialAssetsAbstract_019ca0fb-cbee-7d48-98f4-2eb58c01c82a_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseInFinancialAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in property loans</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseInFinancialAssetsAbstract_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseInFinancialAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) in financial assets [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseInFinancialAssetsAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseDecreaseInFinancialAssetsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseInFinancialAssetsAbstract" xlink:to="lab_ifrs-full_IncreaseDecreaseInFinancialAssetsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights_019ca0fb-cb6b-739a-9daa-27607b4b86b9_terseLabel_en-US" xlink:label="lab_san_InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expected rate of return on reimbursement rights</link:label>
    <link:label id="lab_san_InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights_label_en-US" xlink:label="lab_san_InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance Contract Linked To Defined Benefit Plans Expected Rate Of Return On Reimbursement Rights</link:label>
    <link:label id="lab_san_InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights_documentation_en-US" xlink:label="lab_san_InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Expected rate of return on reimbursement rights for insurance contract linked to defined benefit plan.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights" xlink:href="san-20251231.xsd#san_InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights" xlink:to="lab_san_InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OutflowsOfCashFromFinancingActivities_019ca0fb-cad3-7aa0-9934-479ad67438ca_totalLabel_en-US" xlink:label="lab_san_OutflowsOfCashFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Payments</link:label>
    <link:label id="lab_san_OutflowsOfCashFromFinancingActivities_label_en-US" xlink:label="lab_san_OutflowsOfCashFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Outflows Of Cash From Financing Activities</link:label>
    <link:label id="lab_san_OutflowsOfCashFromFinancingActivities_documentation_en-US" xlink:label="lab_san_OutflowsOfCashFromFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The cash outflow from financing activities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OutflowsOfCashFromFinancingActivities" xlink:href="san-20251231.xsd#san_OutflowsOfCashFromFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OutflowsOfCashFromFinancingActivities" xlink:to="lab_san_OutflowsOfCashFromFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfGeneralAndAdministrativeExpenseExplanatory_019ca0fb-c9cd-7a2e-9279-bbf1ccc7aa51_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfGeneralAndAdministrativeExpenseExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other general administrative expenses</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfGeneralAndAdministrativeExpenseExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfGeneralAndAdministrativeExpenseExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of general and administrative expense [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfGeneralAndAdministrativeExpenseExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfGeneralAndAdministrativeExpenseExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfGeneralAndAdministrativeExpenseExplanatory" xlink:to="lab_ifrs-full_DisclosureOfGeneralAndAdministrativeExpenseExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests_019ca0fb-cb6b-7211-9688-93a526805900_terseLabel_en-US" xlink:label="lab_san_NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-controlling interests, excluding profit (loss) for the current period</link:label>
    <link:label id="lab_san_NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests_label_en-US" xlink:label="lab_san_NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Controlling Interests, Excluding Profit (Loss), Attributable To Non-Controlling Interests</link:label>
    <link:label id="lab_san_NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests_documentation_en-US" xlink:label="lab_san_NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of equity in a subsidiary not attributable, directly or indirectly, to a parent excluding the profit (loss) attributable to non-controlling interests for the current period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests" xlink:href="san-20251231.xsd#san_NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests" xlink:to="lab_san_NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FormerDirectorsOfTheBankMember_019ca0fb-cad3-7608-aaad-69048d0daca0_terseLabel_en-US" xlink:label="lab_san_FormerDirectorsOfTheBankMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Former directors of the bank</link:label>
    <link:label id="lab_san_FormerDirectorsOfTheBankMember_label_en-US" xlink:label="lab_san_FormerDirectorsOfTheBankMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Former Directors Of The Bank [Member]</link:label>
    <link:label id="lab_san_FormerDirectorsOfTheBankMember_documentation_en-US" xlink:label="lab_san_FormerDirectorsOfTheBankMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents former directors of the Bank.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FormerDirectorsOfTheBankMember" xlink:href="san-20251231.xsd#san_FormerDirectorsOfTheBankMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FormerDirectorsOfTheBankMember" xlink:to="lab_san_FormerDirectorsOfTheBankMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedStatementOfComprehensiveIncomeTable_019ca0fb-c94d-7d51-9708-9cecb25bdecb_terseLabel_en-US" xlink:label="lab_srt_CondensedStatementOfComprehensiveIncomeTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Statement of Comprehensive Income [Table]</link:label>
    <link:label id="lab_srt_CondensedStatementOfComprehensiveIncomeTable_label_en-US" xlink:label="lab_srt_CondensedStatementOfComprehensiveIncomeTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Statement of Comprehensive Income [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedStatementOfComprehensiveIncomeTable" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CondensedStatementOfComprehensiveIncomeTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedStatementOfComprehensiveIncomeTable" xlink:to="lab_srt_CondensedStatementOfComprehensiveIncomeTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CorporateDebtMember_019ca0fb-cb6b-77e1-bfff-24f745b4823e_terseLabel_en-US" xlink:label="lab_san_CorporateDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Corporate debt</link:label>
    <link:label id="lab_san_CorporateDebtMember_label_en-US" xlink:label="lab_san_CorporateDebtMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Corporate Debt [Member]</link:label>
    <link:label id="lab_san_CorporateDebtMember_documentation_en-US" xlink:label="lab_san_CorporateDebtMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Corporate Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CorporateDebtMember" xlink:href="san-20251231.xsd#san_CorporateDebtMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CorporateDebtMember" xlink:to="lab_san_CorporateDebtMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ValuationAdjustmentForImpairmentFinancialInstrumentTypeMember_019ca0fb-cb6b-7988-acf3-75909fb1f432_terseLabel_en-US" xlink:label="lab_san_ValuationAdjustmentForImpairmentFinancialInstrumentTypeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation adjustments for impairment</link:label>
    <link:label id="lab_san_ValuationAdjustmentForImpairmentFinancialInstrumentTypeMember_label_en-US" xlink:label="lab_san_ValuationAdjustmentForImpairmentFinancialInstrumentTypeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation Adjustment For Impairment Financial Instrument Type [Member]</link:label>
    <link:label id="lab_san_ValuationAdjustmentForImpairmentFinancialInstrumentTypeMember_documentation_en-US" xlink:label="lab_san_ValuationAdjustmentForImpairmentFinancialInstrumentTypeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to valuation adjustments for impairments as a component of financial instruments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ValuationAdjustmentForImpairmentFinancialInstrumentTypeMember" xlink:href="san-20251231.xsd#san_ValuationAdjustmentForImpairmentFinancialInstrumentTypeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ValuationAdjustmentForImpairmentFinancialInstrumentTypeMember" xlink:to="lab_san_ValuationAdjustmentForImpairmentFinancialInstrumentTypeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeCommitmentFees_019ca0fb-cb6b-7f3c-89c4-10a5f3888770_terseLabel_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeCommitmentFees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitment fees</link:label>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeCommitmentFees_label_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeCommitmentFees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Fee And Commission Income, Commitment Fees</link:label>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeCommitmentFees_documentation_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeCommitmentFees" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of other fee and commission income from commitment fees.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherFeeAndCommissionIncomeCommitmentFees" xlink:href="san-20251231.xsd#san_OtherFeeAndCommissionIncomeCommitmentFees"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherFeeAndCommissionIncomeCommitmentFees" xlink:to="lab_san_OtherFeeAndCommissionIncomeCommitmentFees" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SoldCreditDerivativesMember_019ca0fb-cad3-73fd-b164-a5d78f372a14_terseLabel_en-US" xlink:label="lab_san_SoldCreditDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit derivatives sold</link:label>
    <link:label id="lab_san_SoldCreditDerivativesMember_label_en-US" xlink:label="lab_san_SoldCreditDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sold Credit Derivatives [Member]</link:label>
    <link:label id="lab_san_SoldCreditDerivativesMember_documentation_en-US" xlink:label="lab_san_SoldCreditDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for financial guarantees in the form of sold credit derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SoldCreditDerivativesMember" xlink:href="san-20251231.xsd#san_SoldCreditDerivativesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SoldCreditDerivativesMember" xlink:to="lab_san_SoldCreditDerivativesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferralPeriod_019ca0fb-c94e-7ae8-afe8-6e91d7def5e0_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferralPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferral period</link:label>
    <link:label id="lab_san_VariableRemunerationDeferralPeriod_label_en-US" xlink:label="lab_san_VariableRemunerationDeferralPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferral Period</link:label>
    <link:label id="lab_san_VariableRemunerationDeferralPeriod_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferralPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The deferral period to pay variable remuneration or bonus.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferralPeriod" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferralPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferralPeriod" xlink:to="lab_san_VariableRemunerationDeferralPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VoluntaryReserve_019ca0fb-ca4d-724d-a216-5e519af534f0_terseLabel_en-US" xlink:label="lab_san_VoluntaryReserve" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Voluntary reserves</link:label>
    <link:label id="lab_san_VoluntaryReserve_label_en-US" xlink:label="lab_san_VoluntaryReserve" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Voluntary Reserve</link:label>
    <link:label id="lab_san_VoluntaryReserve_documentation_en-US" xlink:label="lab_san_VoluntaryReserve" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A component of equity representing voluntary reserves.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VoluntaryReserve" xlink:href="san-20251231.xsd#san_VoluntaryReserve"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VoluntaryReserve" xlink:to="lab_san_VoluntaryReserve" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfFairValueOfPlanAssetsExplanatory_019ca0fb-c9cd-77f0-ac6a-f178f41e01ff_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfFairValueOfPlanAssetsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of changes in fair value of plan assets</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfFairValueOfPlanAssetsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfFairValueOfPlanAssetsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of fair value of plan assets [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfFairValueOfPlanAssetsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfFairValueOfPlanAssetsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfFairValueOfPlanAssetsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfFairValueOfPlanAssetsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract_019ca0fb-ca4e-7bdc-b1c5-4ffcf4617bc5_terseLabel_en-US" xlink:label="lab_ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Employee Benefits</link:label>
    <link:label id="lab_ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract_label_en-US" xlink:label="lab_ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes of employee benefits expense [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract" xlink:to="lab_ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits_019ca0fb-c9cd-7959-af20-39b687e27422_terseLabel_en-US" xlink:label="lab_san_OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_san_OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits_label_en-US" xlink:label="lab_san_OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Cost Or Gain Charged To Income Statement Related To Defined Benefits</link:label>
    <link:label id="lab_san_OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits_documentation_en-US" xlink:label="lab_san_OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other costs or gains charged to income statement related to defined benefits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits" xlink:href="san-20251231.xsd#san_OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits" xlink:to="lab_san_OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TaxAssets_019ca0fb-cad3-7454-bdc5-655f796d781a_totalLabel_en-US" xlink:label="lab_san_TaxAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">TAX ASSETS</link:label>
    <link:label id="lab_san_TaxAssets_019ca0fb-cad3-73de-8e08-d85451924451_terseLabel_en-US" xlink:label="lab_san_TaxAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax assets</link:label>
    <link:label id="lab_san_TaxAssets_label_en-US" xlink:label="lab_san_TaxAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Assets</link:label>
    <link:label id="lab_san_TaxAssets_documentation_en-US" xlink:label="lab_san_TaxAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The excess of amount paid for tax in respect of current, prior, and future periods over the amount due for those periods.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TaxAssets" xlink:href="san-20251231.xsd#san_TaxAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TaxAssets" xlink:to="lab_san_TaxAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTradingRepurchaseAgreementAmount_019ca0fb-cbee-7111-bc68-f72844c576b0_terseLabel_en-US" xlink:label="lab_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTradingRepurchaseAgreementAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repurchase agreements, value</link:label>
    <link:label id="lab_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTradingRepurchaseAgreementAmount_label_en-US" xlink:label="lab_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTradingRepurchaseAgreementAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Liabilities At Fair Value Through Profit Or Loss And Financial Liabilities At Fair Value Through Profit Or Loss That Meet The Definition Of Held For Trading, Repurchase Agreement, Amount</link:label>
    <link:label id="lab_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTradingRepurchaseAgreementAmount_documentation_en-US" xlink:label="lab_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTradingRepurchaseAgreementAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial Liabilities At Fair Value Through Profit Or Loss And Financial Liabilities At Fair Value Through Profit Or Loss That Meet The Definition Of Held For Trading, Repurchase Agreement, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTradingRepurchaseAgreementAmount" xlink:href="san-20251231.xsd#san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTradingRepurchaseAgreementAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTradingRepurchaseAgreementAmount" xlink:to="lab_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTradingRepurchaseAgreementAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseInExistingProvisionsOtherProvisions_019ca0fb-c9cd-7097-a0df-25fcb887545a_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseInExistingProvisionsOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase in existing provisions</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseInExistingProvisionsOtherProvisions_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseInExistingProvisionsOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase in existing provisions, other provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseInExistingProvisionsOtherProvisions" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseDecreaseInExistingProvisionsOtherProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseInExistingProvisionsOtherProvisions" xlink:to="lab_ifrs-full_IncreaseDecreaseInExistingProvisionsOtherProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfGroups_019ca0fb-c9cd-7d9f-bbaa-17c83fedf424_terseLabel_en-US" xlink:label="lab_san_NumberOfGroups" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of largest groups</link:label>
    <link:label id="lab_san_NumberOfGroups_label_en-US" xlink:label="lab_san_NumberOfGroups" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Groups</link:label>
    <link:label id="lab_san_NumberOfGroups_documentation_en-US" xlink:label="lab_san_NumberOfGroups" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of groups.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfGroups" xlink:href="san-20251231.xsd#san_NumberOfGroups"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfGroups" xlink:to="lab_san_NumberOfGroups" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherNonFinancialGainsLosses_019ca0fb-cbee-73cb-af2d-3a19e283c0d7_verboseLabel_en-US" xlink:label="lab_san_OtherNonFinancialGainsLosses" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other gains (losses) and provisions</link:label>
    <link:label id="lab_san_OtherNonFinancialGainsLosses_019ca0fb-cbee-7537-8bdf-cbaf1b617fd9_terseLabel_en-US" xlink:label="lab_san_OtherNonFinancialGainsLosses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other gains (losses) and provisions</link:label>
    <link:label id="lab_san_OtherNonFinancialGainsLosses_label_en-US" xlink:label="lab_san_OtherNonFinancialGainsLosses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Non Financial Gains (Losses)</link:label>
    <link:label id="lab_san_OtherNonFinancialGainsLosses_documentation_en-US" xlink:label="lab_san_OtherNonFinancialGainsLosses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of other non-financial gains (losses).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherNonFinancialGainsLosses" xlink:href="san-20251231.xsd#san_OtherNonFinancialGainsLosses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherNonFinancialGainsLosses" xlink:to="lab_san_OtherNonFinancialGainsLosses" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashOutflowForLeases_019ca0fb-ca4e-7373-8e2b-38bc6afa2239_terseLabel_en-US" xlink:label="lab_ifrs-full_CashOutflowForLeases" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash outflow of leases</link:label>
    <link:label id="lab_ifrs-full_CashOutflowForLeases_label_en-US" xlink:label="lab_ifrs-full_CashOutflowForLeases" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash outflow for leases</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashOutflowForLeases" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CashOutflowForLeases"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashOutflowForLeases" xlink:to="lab_ifrs-full_CashOutflowForLeases" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SocialSecurityContributions_019ca0fb-cbee-777f-85ee-a37b7f4f8795_terseLabel_en-US" xlink:label="lab_ifrs-full_SocialSecurityContributions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Social Security costs</link:label>
    <link:label id="lab_ifrs-full_SocialSecurityContributions_label_en-US" xlink:label="lab_ifrs-full_SocialSecurityContributions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Social security contributions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SocialSecurityContributions" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SocialSecurityContributions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SocialSecurityContributions" xlink:to="lab_ifrs-full_SocialSecurityContributions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LiabilitiesSecuredByAssetBackedSecurities_019ca0fb-cbee-79d3-8e21-24292deae473_terseLabel_en-US" xlink:label="lab_san_LiabilitiesSecuredByAssetBackedSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities secured by asset-backed securities</link:label>
    <link:label id="lab_san_LiabilitiesSecuredByAssetBackedSecurities_label_en-US" xlink:label="lab_san_LiabilitiesSecuredByAssetBackedSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities Secured By Asset-Backed Securities</link:label>
    <link:label id="lab_san_LiabilitiesSecuredByAssetBackedSecurities_documentation_en-US" xlink:label="lab_san_LiabilitiesSecuredByAssetBackedSecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of liabilities that are secured by asset-backed securities held by the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LiabilitiesSecuredByAssetBackedSecurities" xlink:href="san-20251231.xsd#san_LiabilitiesSecuredByAssetBackedSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LiabilitiesSecuredByAssetBackedSecurities" xlink:to="lab_san_LiabilitiesSecuredByAssetBackedSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_LitigationCaseAxis_019ca0fb-cad3-7c91-8ee9-b520e11ac4c5_terseLabel_en-US" xlink:label="lab_srt_LitigationCaseAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Litigation Case [Axis]</link:label>
    <link:label id="lab_srt_LitigationCaseAxis_label_en-US" xlink:label="lab_srt_LitigationCaseAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Litigation Case [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_LitigationCaseAxis" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_LitigationCaseAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_LitigationCaseAxis" xlink:to="lab_srt_LitigationCaseAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue_019ca0fb-c94e-77be-b5a2-55b45bcb5de7_terseLabel_en-US" xlink:label="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Matching liabilities, contingent liabilities or securities lent</link:label>
    <link:label id="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue_label_en-US" xlink:label="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets Pledged As Collateral For Liabilities Or Contingent Liabilities, Associated Liabilities, Carrying Value</link:label>
    <link:label id="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue_documentation_en-US" xlink:label="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The carrying value of liabilities associated with assets that the entity has pledged as collateral for liabilities or contingent liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue" xlink:href="san-20251231.xsd#san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue" xlink:to="lab_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeForeignExchange_019ca0fb-c94e-7392-b8a1-00f9bad72bfe_terseLabel_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeForeignExchange" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreign exchange</link:label>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeForeignExchange_label_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeForeignExchange" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Fee And Commission Income, Foreign Exchange</link:label>
    <link:label id="lab_san_OtherFeeAndCommissionIncomeForeignExchange_documentation_en-US" xlink:label="lab_san_OtherFeeAndCommissionIncomeForeignExchange" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of other fee and commission income from foreign exchange transactions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherFeeAndCommissionIncomeForeignExchange" xlink:href="san-20251231.xsd#san_OtherFeeAndCommissionIncomeForeignExchange"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherFeeAndCommissionIncomeForeignExchange" xlink:to="lab_san_OtherFeeAndCommissionIncomeForeignExchange" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_RestructuringProvisionMember_019ca0fb-cad3-7b3d-a75c-4a07b97bd2fc_terseLabel_en-US" xlink:label="lab_ifrs-full_RestructuringProvisionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision for restructuring</link:label>
    <link:label id="lab_ifrs-full_RestructuringProvisionMember_label_en-US" xlink:label="lab_ifrs-full_RestructuringProvisionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restructuring provision [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_RestructuringProvisionMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_RestructuringProvisionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_RestructuringProvisionMember" xlink:to="lab_ifrs-full_RestructuringProvisionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsTable_019ca0fb-ca4e-759d-9a5b-30094e5f766e_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsTable" xlink:to="lab_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ResponsibleBankingSustainabilityAndCultureCommitteeMember_019ca0fb-c9cd-7a56-bdbf-414983dbc621_terseLabel_en-US" xlink:label="lab_san_ResponsibleBankingSustainabilityAndCultureCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Members of the responsible banking, sustainability and culture committee</link:label>
    <link:label id="lab_san_ResponsibleBankingSustainabilityAndCultureCommitteeMember_019ca0fb-c9cd-7170-8135-ea6ea4672539_verboseLabel_en-US" xlink:label="lab_san_ResponsibleBankingSustainabilityAndCultureCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Responsible banking, sustainability and culture committee</link:label>
    <link:label id="lab_san_ResponsibleBankingSustainabilityAndCultureCommitteeMember_label_en-US" xlink:label="lab_san_ResponsibleBankingSustainabilityAndCultureCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Responsible Banking Sustainability And Culture Committee [Member]</link:label>
    <link:label id="lab_san_ResponsibleBankingSustainabilityAndCultureCommitteeMember_documentation_en-US" xlink:label="lab_san_ResponsibleBankingSustainabilityAndCultureCommitteeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to the Responsible Banking Sustainability and Culture Committee.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ResponsibleBankingSustainabilityAndCultureCommitteeMember" xlink:href="san-20251231.xsd#san_ResponsibleBankingSustainabilityAndCultureCommitteeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ResponsibleBankingSustainabilityAndCultureCommitteeMember" xlink:to="lab_san_ResponsibleBankingSustainabilityAndCultureCommitteeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EarningAssetsMember_019ca0fb-cb6b-7b9d-857d-605076031268_terseLabel_en-US" xlink:label="lab_san_EarningAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earning assets</link:label>
    <link:label id="lab_san_EarningAssetsMember_label_en-US" xlink:label="lab_san_EarningAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earning Assets [Member]</link:label>
    <link:label id="lab_san_EarningAssetsMember_documentation_en-US" xlink:label="lab_san_EarningAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Earning Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EarningAssetsMember" xlink:href="san-20251231.xsd#san_EarningAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EarningAssetsMember" xlink:to="lab_san_EarningAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherMiscellaneousAssets_019ca0fb-cbee-7c57-abac-05d2c1369300_terseLabel_en-US" xlink:label="lab_san_OtherMiscellaneousAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_san_OtherMiscellaneousAssets_label_en-US" xlink:label="lab_san_OtherMiscellaneousAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Miscellaneous Assets</link:label>
    <link:label id="lab_san_OtherMiscellaneousAssets_documentation_en-US" xlink:label="lab_san_OtherMiscellaneousAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Assets classified as Other Assets, not elsewhere specified.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherMiscellaneousAssets" xlink:href="san-20251231.xsd#san_OtherMiscellaneousAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherMiscellaneousAssets" xlink:to="lab_san_OtherMiscellaneousAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageOfEquityInterestsHeldByASingleShareholderResidingInTaxHavenMinimumThreshold_019ca0fb-c9cd-794f-b83e-850056f072a1_terseLabel_en-US" xlink:label="lab_san_PercentageOfEquityInterestsHeldByASingleShareholderResidingInTaxHavenMinimumThreshold" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of equity interests held by a single shareholder residing in tax haven, minimum threshold</link:label>
    <link:label id="lab_san_PercentageOfEquityInterestsHeldByASingleShareholderResidingInTaxHavenMinimumThreshold_label_en-US" xlink:label="lab_san_PercentageOfEquityInterestsHeldByASingleShareholderResidingInTaxHavenMinimumThreshold" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Equity Interests Held By A Single Shareholder Residing In Tax Haven, Minimum Threshold</link:label>
    <link:label id="lab_san_PercentageOfEquityInterestsHeldByASingleShareholderResidingInTaxHavenMinimumThreshold_documentation_en-US" xlink:label="lab_san_PercentageOfEquityInterestsHeldByASingleShareholderResidingInTaxHavenMinimumThreshold" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage Of Equity Interests Held By A Single Shareholder Residing In Tax Haven, Minimum Threshold</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageOfEquityInterestsHeldByASingleShareholderResidingInTaxHavenMinimumThreshold" xlink:href="san-20251231.xsd#san_PercentageOfEquityInterestsHeldByASingleShareholderResidingInTaxHavenMinimumThreshold"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageOfEquityInterestsHeldByASingleShareholderResidingInTaxHavenMinimumThreshold" xlink:to="lab_san_PercentageOfEquityInterestsHeldByASingleShareholderResidingInTaxHavenMinimumThreshold" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfSeriesOfConvertiblePreferredStockIssued_019ca0fb-cb6b-71ae-86f8-2b91b170276f_terseLabel_en-US" xlink:label="lab_san_NumberOfSeriesOfConvertiblePreferredStockIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of series of convertible preferred stock issued</link:label>
    <link:label id="lab_san_NumberOfSeriesOfConvertiblePreferredStockIssued_label_en-US" xlink:label="lab_san_NumberOfSeriesOfConvertiblePreferredStockIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Series Of Convertible Preferred Stock Issued</link:label>
    <link:label id="lab_san_NumberOfSeriesOfConvertiblePreferredStockIssued_documentation_en-US" xlink:label="lab_san_NumberOfSeriesOfConvertiblePreferredStockIssued" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Of Series Of Convertible Preferred Stock Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfSeriesOfConvertiblePreferredStockIssued" xlink:href="san-20251231.xsd#san_NumberOfSeriesOfConvertiblePreferredStockIssued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfSeriesOfConvertiblePreferredStockIssued" xlink:to="lab_san_NumberOfSeriesOfConvertiblePreferredStockIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SharePremiumMember_019ca0fb-cad3-75dd-ad36-cfbc4142ebc4_terseLabel_en-US" xlink:label="lab_ifrs-full_SharePremiumMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share premium</link:label>
    <link:label id="lab_ifrs-full_SharePremiumMember_label_en-US" xlink:label="lab_ifrs-full_SharePremiumMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share premium [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SharePremiumMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SharePremiumMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SharePremiumMember" xlink:to="lab_ifrs-full_SharePremiumMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable_019ca0fb-cbee-7e72-9633-32e6de56addc_verboseLabel_en-US" xlink:label="lab_san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Maximum number of shares to be delivered (in shares)</link:label>
    <link:label id="lab_san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable_label_en-US" xlink:label="lab_san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum Number Of Share Options To Be Delivered In Share-Based Payment Arrangement, Deferred Variable</link:label>
    <link:label id="lab_san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable_documentation_en-US" xlink:label="lab_san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maximum Number Of Share Options To Be Delivered In Share-Based Payment Arrangement, Deferred Variable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" xlink:href="san-20251231.xsd#san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" xlink:to="lab_san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DefinedBenefitPlansOthers_019ca0fb-cb6b-7b75-a9d2-a9e2831cf81a_terseLabel_en-US" xlink:label="lab_san_DefinedBenefitPlansOthers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Others</link:label>
    <link:label id="lab_san_DefinedBenefitPlansOthers_label_en-US" xlink:label="lab_san_DefinedBenefitPlansOthers" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plans, Others</link:label>
    <link:label id="lab_san_DefinedBenefitPlansOthers_documentation_en-US" xlink:label="lab_san_DefinedBenefitPlansOthers" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Plans, Others</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DefinedBenefitPlansOthers" xlink:href="san-20251231.xsd#san_DefinedBenefitPlansOthers"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DefinedBenefitPlansOthers" xlink:to="lab_san_DefinedBenefitPlansOthers" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfEquityFinancialInstrumentsTableTextBlock_019ca0fb-cad3-7978-a46b-22d747b368f3_terseLabel_en-US" xlink:label="lab_san_DisclosureOfEquityFinancialInstrumentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of breakdown of equity instruments</link:label>
    <link:label id="lab_san_DisclosureOfEquityFinancialInstrumentsTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfEquityFinancialInstrumentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Equity Financial Instruments [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfEquityFinancialInstrumentsTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfEquityFinancialInstrumentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure for equity financial instruments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfEquityFinancialInstrumentsTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfEquityFinancialInstrumentsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfEquityFinancialInstrumentsTableTextBlock" xlink:to="lab_san_DisclosureOfEquityFinancialInstrumentsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfInterestExpenseTableTextBlock_019ca0fb-c94e-7a2a-aced-643b99bae6c1_terseLabel_en-US" xlink:label="lab_san_DisclosureOfInterestExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of details of main interest and similar expenses</link:label>
    <link:label id="lab_san_DisclosureOfInterestExpenseTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfInterestExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Interest Expense [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfInterestExpenseTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfInterestExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The tabular disclosure of interest expense.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfInterestExpenseTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfInterestExpenseTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfInterestExpenseTableTextBlock" xlink:to="lab_san_DisclosureOfInterestExpenseTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent_019ca0fb-cbee-7faf-ae27-4be1fe9c0e62_terseLabel_en-US" xlink:label="lab_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Attributable to the parent</link:label>
    <link:label id="lab_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent_label_en-US" xlink:label="lab_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Comprehensive income, attributable to owners of parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent" xlink:to="lab_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_NOK_019ca0fb-c9cd-7c1e-854c-0804914ff6e5_terseLabel_en-US" xlink:label="lab_currency_NOK" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">NOK</link:label>
    <link:label id="lab_currency_NOK_label_en-US" xlink:label="lab_currency_NOK" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Norway, Krone</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_NOK" xlink:href="https://xbrl.sec.gov/currency/2025/currency-2025.xsd#currency_NOK"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_NOK" xlink:to="lab_currency_NOK" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForborneLoanPortfolioAmount_019ca0fb-cbee-70a8-87e5-70571bf5bec5_terseLabel_en-US" xlink:label="lab_san_ForborneLoanPortfolioAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forbearance portfolio</link:label>
    <link:label id="lab_san_ForborneLoanPortfolioAmount_label_en-US" xlink:label="lab_san_ForborneLoanPortfolioAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forborne Loan Portfolio, Amount</link:label>
    <link:label id="lab_san_ForborneLoanPortfolioAmount_documentation_en-US" xlink:label="lab_san_ForborneLoanPortfolioAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of forborne loan portfolio.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForborneLoanPortfolioAmount" xlink:href="san-20251231.xsd#san_ForborneLoanPortfolioAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForborneLoanPortfolioAmount" xlink:to="lab_san_ForborneLoanPortfolioAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DepositsCentralBanksMember_019ca0fb-c9cd-7ba9-a4b6-6e00eb511983_terseLabel_en-US" xlink:label="lab_san_DepositsCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Central banks</link:label>
    <link:label id="lab_san_DepositsCentralBanksMember_label_en-US" xlink:label="lab_san_DepositsCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits Central Banks [Member]</link:label>
    <link:label id="lab_san_DepositsCentralBanksMember_documentation_en-US" xlink:label="lab_san_DepositsCentralBanksMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents deposits of any nature, including credit received and money market operations received from the central bank of the domicile country or other central banks.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DepositsCentralBanksMember" xlink:href="san-20251231.xsd#san_DepositsCentralBanksMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DepositsCentralBanksMember" xlink:to="lab_san_DepositsCentralBanksMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_Liabilities_019ca0fb-cad3-7489-808e-252cb756049a_totalLabel_en-US" xlink:label="lab_ifrs-full_Liabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">TOTAL LIABILITIES</link:label>
    <link:label id="lab_ifrs-full_Liabilities_019ca0fb-cad3-79f0-aaf3-57552868c354_verboseLabel_en-US" xlink:label="lab_ifrs-full_Liabilities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total liabilities</link:label>
    <link:label id="lab_ifrs-full_Liabilities_label_en-US" xlink:label="lab_ifrs-full_Liabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_Liabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_Liabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_Liabilities" xlink:to="lab_ifrs-full_Liabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_AUD_019ca0fb-cbee-722d-80b7-f9f14bc5a5b6_terseLabel_en-US" xlink:label="lab_currency_AUD" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">AUD</link:label>
    <link:label id="lab_currency_AUD_label_en-US" xlink:label="lab_currency_AUD" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Australia, Dollars</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_AUD" xlink:href="https://xbrl.sec.gov/currency/2025/currency-2025.xsd#currency_AUD"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_AUD" xlink:to="lab_currency_AUD" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AssociatesAndJointVenturesMember_019ca0fb-cbee-707b-9038-45a8c99047f1_terseLabel_en-US" xlink:label="lab_san_AssociatesAndJointVenturesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Associates and&#160;joint ventures</link:label>
    <link:label id="lab_san_AssociatesAndJointVenturesMember_label_en-US" xlink:label="lab_san_AssociatesAndJointVenturesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Associates And Joint Ventures [Member]</link:label>
    <link:label id="lab_san_AssociatesAndJointVenturesMember_documentation_en-US" xlink:label="lab_san_AssociatesAndJointVenturesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the entities over with the investor has significant influence and for joint ventures in which the entity is a joint venturer. A venturer is a party to a joint venture and has joint control over that joint venture.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AssociatesAndJointVenturesMember" xlink:href="san-20251231.xsd#san_AssociatesAndJointVenturesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AssociatesAndJointVenturesMember" xlink:to="lab_san_AssociatesAndJointVenturesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation_019ca0fb-cad3-7064-aedd-3fd8976cffd1_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable - immediate payment in cash</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation_019ca0fb-cad3-7fd2-a9d1-0680f42343d7_verboseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Variable remuneration in cash</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation_label_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Compensation, Short-Term Employee Benefits, Variable Cash Compensation</link:label>
    <link:label id="lab_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of variable cash compensation to key management personnel in the form of short-term employee benefits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation" xlink:to="lab_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashAndCashEquivalentsClassifiedAsPartOfDisposalGroupHeldForSale_019ca0fb-c94e-7dc0-b043-bbef6a30faa9_terseLabel_en-US" xlink:label="lab_ifrs-full_CashAndCashEquivalentsClassifiedAsPartOfDisposalGroupHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">TOTAL CASH AND CASH EQUIVALENTS AT END OF PERIOD ASSOCIATED WITH NON-CURRENT ASSETS HELD FOR SALE</link:label>
    <link:label id="lab_ifrs-full_CashAndCashEquivalentsClassifiedAsPartOfDisposalGroupHeldForSale_label_en-US" xlink:label="lab_ifrs-full_CashAndCashEquivalentsClassifiedAsPartOfDisposalGroupHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents classified as part of disposal group held for sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashAndCashEquivalentsClassifiedAsPartOfDisposalGroupHeldForSale" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CashAndCashEquivalentsClassifiedAsPartOfDisposalGroupHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashAndCashEquivalentsClassifiedAsPartOfDisposalGroupHeldForSale" xlink:to="lab_ifrs-full_CashAndCashEquivalentsClassifiedAsPartOfDisposalGroupHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRates_019ca0fb-cad3-736b-8c46-fc2a94a3c736_terseLabel_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actuarial assumption of medical cost trend rates</link:label>
    <link:label id="lab_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRates_label_en-US" xlink:label="lab_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Actuarial assumption of medical cost trend rates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRates" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ActuarialAssumptionOfMedicalCostTrendRates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRates" xlink:to="lab_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRates" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InMarch2024Member_019ca0fb-c9cd-7649-98ff-a98245c9d35a_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InMarch2024Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance by Banco Santander S.A. in March 2024</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InMarch2024Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InMarch2024Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In March 2024 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderS.A.InMarch2024Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderS.A.InMarch2024Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In March 2024</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderS.A.InMarch2024Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderS.A.InMarch2024Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderS.A.InMarch2024Member" xlink:to="lab_san_IssuanceByBancoSantanderS.A.InMarch2024Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_GainsOnDisposalsOfInvestments_019ca0fb-cb6b-7515-9b11-e188fdfa2d49_verboseLabel_en-US" xlink:label="lab_ifrs-full_GainsOnDisposalsOfInvestments" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Investments</link:label>
    <link:label id="lab_ifrs-full_GainsOnDisposalsOfInvestments_019ca0fb-cb6b-7b28-95a5-c76addca684f_terseLabel_en-US" xlink:label="lab_ifrs-full_GainsOnDisposalsOfInvestments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains on disposals of investments</link:label>
    <link:label id="lab_ifrs-full_GainsOnDisposalsOfInvestments_label_en-US" xlink:label="lab_ifrs-full_GainsOnDisposalsOfInvestments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains on disposals of investments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_GainsOnDisposalsOfInvestments" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_GainsOnDisposalsOfInvestments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_GainsOnDisposalsOfInvestments" xlink:to="lab_ifrs-full_GainsOnDisposalsOfInvestments" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax_019ca0fb-cb6b-732f-93fc-b32f770072ef_terseLabel_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other reclassifications</link:label>
    <link:label id="lab_san_OtherReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax_label_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Reclassification Adjustments On Non-Current Assets Classified As Held For Sale, Before Tax</link:label>
    <link:label id="lab_san_OtherReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax_documentation_en-US" xlink:label="lab_san_OtherReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Reclassification Adjustments On Non-Current Assets Classified As Held For Sale, Before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" xlink:href="san-20251231.xsd#san_OtherReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" xlink:to="lab_san_OtherReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentTSRMinimumMetricTarget_019ca0fb-cad3-7909-a199-454831d8c638_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentTSRMinimumMetricTarget" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">TSR minimum metric, target</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentTSRMinimumMetricTarget_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentTSRMinimumMetricTarget" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, TSR Minimum Metric, Target</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentTSRMinimumMetricTarget_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentTSRMinimumMetricTarget" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, TSR Minimum Metric, Target</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentTSRMinimumMetricTarget" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentTSRMinimumMetricTarget"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentTSRMinimumMetricTarget" xlink:to="lab_san_VariableRemunerationDeferredPaymentTSRMinimumMetricTarget" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InterestIncomeFromOtherFinancialAssetsMember_019ca0fb-cb6b-7140-8052-6fd922ed3c70_terseLabel_en-US" xlink:label="lab_san_InterestIncomeFromOtherFinancialAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other interest income</link:label>
    <link:label id="lab_san_InterestIncomeFromOtherFinancialAssetsMember_label_en-US" xlink:label="lab_san_InterestIncomeFromOtherFinancialAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income From Other Financial Assets [Member]</link:label>
    <link:label id="lab_san_InterestIncomeFromOtherFinancialAssetsMember_documentation_en-US" xlink:label="lab_san_InterestIncomeFromOtherFinancialAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest Income From Other Financial Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InterestIncomeFromOtherFinancialAssetsMember" xlink:href="san-20251231.xsd#san_InterestIncomeFromOtherFinancialAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InterestIncomeFromOtherFinancialAssetsMember" xlink:to="lab_san_InterestIncomeFromOtherFinancialAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_019ca0fb-cb6b-7cc6-a6a8-05e033876684_negatedLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Financial assets at fair value through other comprehensive income</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments for decrease (increase) in financial assets measured at fair value through other comprehensive income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:to="lab_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument_019ca0fb-cbee-77f3-b76c-4fbcd3f7dee0_terseLabel_en-US" xlink:label="lab_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedging instrument)</link:label>
    <link:label id="lab_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument_label_en-US" xlink:label="lab_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income, Before Tax, Gains (Losses) On Hedged Instrument</link:label>
    <link:label id="lab_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument_documentation_en-US" xlink:label="lab_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income, Before Tax, Gains (Losses) On Hedged Instrument</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" xlink:href="san-20251231.xsd#san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" xlink:to="lab_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CommonEquityTierOneCapitalSystematicRiskRequirement_019ca0fb-ca4e-7d44-9d07-d35cda7358bd_terseLabel_en-US" xlink:label="lab_san_CommonEquityTierOneCapitalSystematicRiskRequirement" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Systematic risk requirement</link:label>
    <link:label id="lab_san_CommonEquityTierOneCapitalSystematicRiskRequirement_label_en-US" xlink:label="lab_san_CommonEquityTierOneCapitalSystematicRiskRequirement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Equity Tier One Capital, Systematic Risk Requirement</link:label>
    <link:label id="lab_san_CommonEquityTierOneCapitalSystematicRiskRequirement_documentation_en-US" xlink:label="lab_san_CommonEquityTierOneCapitalSystematicRiskRequirement" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Common Equity Tier One Capital, Systematic Risk Requirement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CommonEquityTierOneCapitalSystematicRiskRequirement" xlink:href="san-20251231.xsd#san_CommonEquityTierOneCapitalSystematicRiskRequirement"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CommonEquityTierOneCapitalSystematicRiskRequirement" xlink:to="lab_san_CommonEquityTierOneCapitalSystematicRiskRequirement" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems_019ca0fb-cbee-76d9-9058-b8fec7e7fdaa_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of net defined benefit liability (asset) [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of net defined benefit liability (asset) [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems" xlink:to="lab_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_StatementOfProfitOrLossAndOtherComprehensiveIncomeAbstract_019ca0fb-c94e-74f9-8870-7985f8fc6ef6_terseLabel_en-US" xlink:label="lab_ifrs-full_StatementOfProfitOrLossAndOtherComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed consolidated income statements</link:label>
    <link:label id="lab_ifrs-full_StatementOfProfitOrLossAndOtherComprehensiveIncomeAbstract_label_en-US" xlink:label="lab_ifrs-full_StatementOfProfitOrLossAndOtherComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of profit or loss and other comprehensive income [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_StatementOfProfitOrLossAndOtherComprehensiveIncomeAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_StatementOfProfitOrLossAndOtherComprehensiveIncomeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_StatementOfProfitOrLossAndOtherComprehensiveIncomeAbstract" xlink:to="lab_ifrs-full_StatementOfProfitOrLossAndOtherComprehensiveIncomeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SCGermanyS.A.CompartmentConsumer20252Member_019ca0fb-ca4e-76fc-a93c-fa64dfb49052_terseLabel_en-US" xlink:label="lab_san_SCGermanyS.A.CompartmentConsumer20252Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SC Germany S.A., Compartment Consumer 2025-2</link:label>
    <link:label id="lab_san_SCGermanyS.A.CompartmentConsumer20252Member_label_en-US" xlink:label="lab_san_SCGermanyS.A.CompartmentConsumer20252Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SC Germany S.A., Compartment Consumer 2025-2 [Member]</link:label>
    <link:label id="lab_san_SCGermanyS.A.CompartmentConsumer20252Member_documentation_en-US" xlink:label="lab_san_SCGermanyS.A.CompartmentConsumer20252Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">SC Germany S.A., Compartment Consumer 2025-2</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SCGermanyS.A.CompartmentConsumer20252Member" xlink:href="san-20251231.xsd#san_SCGermanyS.A.CompartmentConsumer20252Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SCGermanyS.A.CompartmentConsumer20252Member" xlink:to="lab_san_SCGermanyS.A.CompartmentConsumer20252Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections_019ca0fb-ca4e-72e7-b94e-b9cc270c6bc6_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discount rate</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Discount rate applied to cash flow projections</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections" xlink:to="lab_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill_019ca0fb-cc70-7ca3-81f6-9e29aa18ded2_terseLabel_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change&#160;in scope&#160;of consolidation</link:label>
    <link:label id="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill_label_en-US" xlink:label="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease) through transfers and other changes, intangible assets other than goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" xlink:to="lab_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedIssueInterestRate_019ca0fb-c9cd-75a6-a928-74949e429496_terseLabel_en-US" xlink:label="lab_san_SubordinatedIssueInterestRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated issue, interest rate</link:label>
    <link:label id="lab_san_SubordinatedIssueInterestRate_019ca0fb-c9cd-7589-8de3-c1047ba078ec_verboseLabel_en-US" xlink:label="lab_san_SubordinatedIssueInterestRate" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Interest rate</link:label>
    <link:label id="lab_san_SubordinatedIssueInterestRate_label_en-US" xlink:label="lab_san_SubordinatedIssueInterestRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Issue, Interest Rate</link:label>
    <link:label id="lab_san_SubordinatedIssueInterestRate_documentation_en-US" xlink:label="lab_san_SubordinatedIssueInterestRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The interest rate on subordinated issues.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedIssueInterestRate" xlink:href="san-20251231.xsd#san_SubordinatedIssueInterestRate"/>
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    <link:label id="lab_san_ReservesOrAccumulatedLossesInJointVenturesInvestments_019ca0fb-cc70-7c09-b59e-047ef0a88a5e_terseLabel_en-US" xlink:label="lab_san_ReservesOrAccumulatedLossesInJointVenturesInvestments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reserves or accumulated losses in joint venture investments</link:label>
    <link:label id="lab_san_ReservesOrAccumulatedLossesInJointVenturesInvestments_label_en-US" xlink:label="lab_san_ReservesOrAccumulatedLossesInJointVenturesInvestments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reserves Or Accumulated Losses In Joint Ventures Investments</link:label>
    <link:label id="lab_san_ReservesOrAccumulatedLossesInJointVenturesInvestments_documentation_en-US" xlink:label="lab_san_ReservesOrAccumulatedLossesInJointVenturesInvestments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A component of other reserves within equity representing reserves or accumulated losses in joint ventures investments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ReservesOrAccumulatedLossesInJointVenturesInvestments" xlink:href="san-20251231.xsd#san_ReservesOrAccumulatedLossesInJointVenturesInvestments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ReservesOrAccumulatedLossesInJointVenturesInvestments" xlink:to="lab_san_ReservesOrAccumulatedLossesInJointVenturesInvestments" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesTable_019ca0fb-cbee-7dbc-8680-620aafd16a06_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of information for cash-generating units [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of information for cash-generating units [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesTable"/>
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    <link:label id="lab_san_SaleOfOrdinarySharesInSubsidiaryShares_019ca0fb-c94e-7c99-8f17-23b014446667_terseLabel_en-US" xlink:label="lab_san_SaleOfOrdinarySharesInSubsidiaryShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sale of ordinary shares in subsidiary (in shares)</link:label>
    <link:label id="lab_san_SaleOfOrdinarySharesInSubsidiaryShares_label_en-US" xlink:label="lab_san_SaleOfOrdinarySharesInSubsidiaryShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sale Of Ordinary Shares In Subsidiary, Shares</link:label>
    <link:label id="lab_san_SaleOfOrdinarySharesInSubsidiaryShares_documentation_en-US" xlink:label="lab_san_SaleOfOrdinarySharesInSubsidiaryShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sale Of Ordinary Shares In Subsidiary, Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SaleOfOrdinarySharesInSubsidiaryShares" xlink:href="san-20251231.xsd#san_SaleOfOrdinarySharesInSubsidiaryShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SaleOfOrdinarySharesInSubsidiaryShares" xlink:to="lab_san_SaleOfOrdinarySharesInSubsidiaryShares" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsTable_019ca0fb-cad3-7a3f-bad9-1e6e30bff971_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of nature and extent of risks arising from financial instruments [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of nature and extent of risks arising from financial instruments [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsTable"/>
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    <link:label id="lab_san_BDOMember_019ca0fb-c94e-7236-a92d-a2d800ca38db_terseLabel_en-US" xlink:label="lab_san_BDOMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">BDO</link:label>
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    <link:label id="lab_san_BDOMember_documentation_en-US" xlink:label="lab_san_BDOMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">BDO</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BDOMember" xlink:href="san-20251231.xsd#san_BDOMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BDOMember" xlink:to="lab_san_BDOMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialGuaranteeContractsMember_019ca0fb-c94e-77f6-9b89-2b4ed534100a_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialGuaranteeContractsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial guarantees granted</link:label>
    <link:label id="lab_ifrs-full_FinancialGuaranteeContractsMember_019ca0fb-c94e-7a4d-b971-cc2a5d1bea9d_verboseLabel_en-US" xlink:label="lab_ifrs-full_FinancialGuaranteeContractsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Guarantees</link:label>
    <link:label id="lab_ifrs-full_FinancialGuaranteeContractsMember_label_en-US" xlink:label="lab_ifrs-full_FinancialGuaranteeContractsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial guarantee contracts [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialGuaranteeContractsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialGuaranteeContractsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialGuaranteeContractsMember" xlink:to="lab_ifrs-full_FinancialGuaranteeContractsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019_019ca0fb-cad3-72ea-b467-d1df6d3e466f_terseLabel_en-US" xlink:label="lab_ifrs-full_WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Options cancelled (net) or not exercised (in GBP per share)</link:label>
    <link:label id="lab_ifrs-full_WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019_label_en-US" xlink:label="lab_ifrs-full_WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted average exercise price of share options forfeited in share-based payment arrangement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019"/>
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    <link:label id="lab_san_VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage_019ca0fb-cbee-7df4-a803-717a1e2164d0_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-term metric achievement percentage</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Long-Term Metric Achievement, Percentage</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Long-Term Metric Achievement, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage" xlink:to="lab_san_VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet_019ca0fb-c94e-7f87-a10f-27c625ecd37a_terseLabel_en-US" xlink:label="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other financial assets and liabilities</link:label>
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    <link:label id="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet_documentation_en-US" xlink:label="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net amount of gains or losses on financial assets and liabilities not measured at fair value through profit or loss other than those measured at amortised cost.</link:label>
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    <link:label id="lab_san_TargetedLongTermRefinancingOperationIIIMember_019ca0fb-c9cd-7e7a-80e5-0b960cbdce3f_terseLabel_en-US" xlink:label="lab_san_TargetedLongTermRefinancingOperationIIIMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">TLTRO III</link:label>
    <link:label id="lab_san_TargetedLongTermRefinancingOperationIIIMember_label_en-US" xlink:label="lab_san_TargetedLongTermRefinancingOperationIIIMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Targeted Long-Term Refinancing Operation III [Member]</link:label>
    <link:label id="lab_san_TargetedLongTermRefinancingOperationIIIMember_documentation_en-US" xlink:label="lab_san_TargetedLongTermRefinancingOperationIIIMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Targeted Long-Term Refinancing Operation III</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TargetedLongTermRefinancingOperationIIIMember" xlink:href="san-20251231.xsd#san_TargetedLongTermRefinancingOperationIIIMember"/>
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    <link:label id="lab_san_CreditDefaultSwap1Member_019ca0fb-cb6b-7cda-9569-27422dae4788_terseLabel_en-US" xlink:label="lab_san_CreditDefaultSwap1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit default swaps</link:label>
    <link:label id="lab_san_CreditDefaultSwap1Member_label_en-US" xlink:label="lab_san_CreditDefaultSwap1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Default Swap1 [Member]</link:label>
    <link:label id="lab_san_CreditDefaultSwap1Member_documentation_en-US" xlink:label="lab_san_CreditDefaultSwap1Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Credit Default Swap [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CreditDefaultSwap1Member" xlink:href="san-20251231.xsd#san_CreditDefaultSwap1Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CreditDefaultSwap1Member" xlink:to="lab_san_CreditDefaultSwap1Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis_019ca0fb-cbee-77e7-bd2b-444d950d90a8_terseLabel_en-US" xlink:label="lab_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-adjusting events after reporting period [axis]</link:label>
    <link:label id="lab_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis_label_en-US" xlink:label="lab_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-adjusting events after reporting period [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NonadjustingEventsAfterReportingPeriodAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis" xlink:to="lab_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EQOptionsMember_019ca0fb-c9cd-7a05-b98c-3b0211bb6460_terseLabel_en-US" xlink:label="lab_san_EQOptionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">EQ Options</link:label>
    <link:label id="lab_san_EQOptionsMember_label_en-US" xlink:label="lab_san_EQOptionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">EQ Options [Member]</link:label>
    <link:label id="lab_san_EQOptionsMember_documentation_en-US" xlink:label="lab_san_EQOptionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">EQ Options</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EQOptionsMember" xlink:href="san-20251231.xsd#san_EQOptionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EQOptionsMember" xlink:to="lab_san_EQOptionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VolvoCarFinancialServicesUKLtd.Member_019ca0fb-c94e-73ad-8aeb-b3786fce664b_terseLabel_en-US" xlink:label="lab_san_VolvoCarFinancialServicesUKLtd.Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Volvo Car Financial Services UK Limited</link:label>
    <link:label id="lab_san_VolvoCarFinancialServicesUKLtd.Member_label_en-US" xlink:label="lab_san_VolvoCarFinancialServicesUKLtd.Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Volvo Car financial services UK ltd. [Member]</link:label>
    <link:label id="lab_san_VolvoCarFinancialServicesUKLtd.Member_documentation_en-US" xlink:label="lab_san_VolvoCarFinancialServicesUKLtd.Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Volvo Car financial services UK ltd.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VolvoCarFinancialServicesUKLtd.Member" xlink:href="san-20251231.xsd#san_VolvoCarFinancialServicesUKLtd.Member"/>
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    <link:label id="lab_san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncomeMember_019ca0fb-cad3-7b3d-9cac-464fcf7f9930_terseLabel_en-US" xlink:label="lab_san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-controlling interest, other elements</link:label>
    <link:label id="lab_san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncomeMember_label_en-US" xlink:label="lab_san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-controlling Interest Excluding Accumulated Other Comprehensive Income [Member]</link:label>
    <link:label id="lab_san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncomeMember_documentation_en-US" xlink:label="lab_san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for equity, excluding accumulated other comprehensive income, in a subsidiary not attributable, directly or indirectly, to the parent. References</link:label>
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    <link:label id="lab_san_HectorGrisiMember_019ca0fb-c9cd-78ce-b6a4-09152dc4319f_terseLabel_en-US" xlink:label="lab_san_HectorGrisiMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">H&#233;ctor Grisi</link:label>
    <link:label id="lab_san_HectorGrisiMember_label_en-US" xlink:label="lab_san_HectorGrisiMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hector Grisi [Member]</link:label>
    <link:label id="lab_san_HectorGrisiMember_documentation_en-US" xlink:label="lab_san_HectorGrisiMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Hector Grisi</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_HectorGrisiMember" xlink:href="san-20251231.xsd#san_HectorGrisiMember"/>
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    <link:label id="lab_ifrs-full_DisclosureOfEffectOfChangesInForeignExchangeRatesExplanatory_019ca0fb-ca4e-7c73-9e74-bb9eb0f64b39_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfEffectOfChangesInForeignExchangeRatesExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchange differences, net</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfEffectOfChangesInForeignExchangeRatesExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfEffectOfChangesInForeignExchangeRatesExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of effect of changes in foreign exchange rates [text block]</link:label>
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    <link:label id="lab_san_ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgedItem_019ca0fb-ca4e-7f63-ac69-e3d4196e9f2c_terseLabel_en-US" xlink:label="lab_san_ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgedItem" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedged item)</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_san_ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgedItem" xlink:href="san-20251231.xsd#san_ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgedItem"/>
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    <link:label id="lab_san_OtherReservesNonCurrentAssetsHeldForSaleThatMayBeReclassifiedToProfitOrLossNetOfTax_019ca0fb-ca4d-7919-810c-9e667aa0d2a6_terseLabel_en-US" xlink:label="lab_san_OtherReservesNonCurrentAssetsHeldForSaleThatMayBeReclassifiedToProfitOrLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-current assets classified as held for sale</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_san_OtherReservesNonCurrentAssetsHeldForSaleThatMayBeReclassifiedToProfitOrLossNetOfTax" xlink:href="san-20251231.xsd#san_OtherReservesNonCurrentAssetsHeldForSaleThatMayBeReclassifiedToProfitOrLossNetOfTax"/>
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    <link:label id="lab_san_IssuanceByBancoSantanderSAInFebruary2018Member_019ca0fb-cbee-7268-9b2c-ec656af95cff_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInFebruary2018Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance by Banco Santander S.A. in February 2018</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInFebruary2018Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInFebruary2018Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In February 2018 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInFebruary2018Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInFebruary2018Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for issuance by Banco Santander S.a. in February 2018.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderSAInFebruary2018Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderSAInFebruary2018Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderSAInFebruary2018Member" xlink:to="lab_san_IssuanceByBancoSantanderSAInFebruary2018Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IntangibleAssetsAndGoodwillAbstract_label_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsAndGoodwillAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible assets and goodwill [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IntangibleAssetsAndGoodwillAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IntangibleAssetsAndGoodwillAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IntangibleAssetsAndGoodwillAbstract" xlink:to="lab_ifrs-full_IntangibleAssetsAndGoodwillAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherLongTermEmployeeBenefitsProvisionMember_019ca0fb-ca4e-7247-8c99-cfc457b88024_terseLabel_en-US" xlink:label="lab_san_OtherLongTermEmployeeBenefitsProvisionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other long term employee benefits</link:label>
    <link:label id="lab_san_OtherLongTermEmployeeBenefitsProvisionMember_019ca0fb-ca4e-7ada-9027-73e4c1f483f2_netLabel_en-US" xlink:label="lab_san_OtherLongTermEmployeeBenefitsProvisionMember" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Long term employee benefits</link:label>
    <link:label id="lab_san_OtherLongTermEmployeeBenefitsProvisionMember_label_en-US" xlink:label="lab_san_OtherLongTermEmployeeBenefitsProvisionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Long Term Employee Benefits Provision [Member]</link:label>
    <link:label id="lab_san_OtherLongTermEmployeeBenefitsProvisionMember_documentation_en-US" xlink:label="lab_san_OtherLongTermEmployeeBenefitsProvisionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents the provision for other long term employee benefits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherLongTermEmployeeBenefitsProvisionMember" xlink:href="san-20251231.xsd#san_OtherLongTermEmployeeBenefitsProvisionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherLongTermEmployeeBenefitsProvisionMember" xlink:to="lab_san_OtherLongTermEmployeeBenefitsProvisionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfCreditInstitutionsIncludedInReferenceGroup_019ca0fb-c94e-789b-9832-5e864bfacc92_terseLabel_en-US" xlink:label="lab_san_NumberOfCreditInstitutionsIncludedInReferenceGroup" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of credit institutions included in reference group</link:label>
    <link:label id="lab_san_NumberOfCreditInstitutionsIncludedInReferenceGroup_label_en-US" xlink:label="lab_san_NumberOfCreditInstitutionsIncludedInReferenceGroup" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Credit Institutions Included In Reference Group</link:label>
    <link:label id="lab_san_NumberOfCreditInstitutionsIncludedInReferenceGroup_documentation_en-US" xlink:label="lab_san_NumberOfCreditInstitutionsIncludedInReferenceGroup" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of credit institutions included in reference group.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfCreditInstitutionsIncludedInReferenceGroup" xlink:href="san-20251231.xsd#san_NumberOfCreditInstitutionsIncludedInReferenceGroup"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfCreditInstitutionsIncludedInReferenceGroup" xlink:to="lab_san_NumberOfCreditInstitutionsIncludedInReferenceGroup" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForeclosedAssetsMember_019ca0fb-cad3-7d18-8c75-995c978e7c3f_terseLabel_en-US" xlink:label="lab_san_ForeclosedAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreclosed assets</link:label>
    <link:label id="lab_san_ForeclosedAssetsMember_label_en-US" xlink:label="lab_san_ForeclosedAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreclosed Assets [Member]</link:label>
    <link:label id="lab_san_ForeclosedAssetsMember_documentation_en-US" xlink:label="lab_san_ForeclosedAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Assets foreclosed (repossessed) by the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForeclosedAssetsMember" xlink:href="san-20251231.xsd#san_ForeclosedAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForeclosedAssetsMember" xlink:to="lab_san_ForeclosedAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LegalProceedingsProvisionMember_019ca0fb-c94e-78ef-8261-37545508b9f1_terseLabel_en-US" xlink:label="lab_ifrs-full_LegalProceedingsProvisionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal proceedings provision</link:label>
    <link:label id="lab_ifrs-full_LegalProceedingsProvisionMember_label_en-US" xlink:label="lab_ifrs-full_LegalProceedingsProvisionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal proceedings provision [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LegalProceedingsProvisionMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LegalProceedingsProvisionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LegalProceedingsProvisionMember" xlink:to="lab_ifrs-full_LegalProceedingsProvisionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember_019ca0fb-cad3-7c14-a7b6-07fae1f71978_verboseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">2029</link:label>
    <link:label id="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Later than three years and not later than four years [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember" xlink:to="lab_ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract_019ca0fb-c9cd-7e4b-8794-8f11bade41c1_terseLabel_en-US" xlink:label="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities offset in the consolidated balance sheets</link:label>
    <link:label id="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract_label_en-US" xlink:label="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net financial liabilities subject to offsetting, enforceable master netting arrangements or similar agreements in statement of financial position [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract" xlink:to="lab_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_currency_ARS_019ca0fb-cb6b-7fa4-b6dc-9ec6a5317e3e_terseLabel_en-US" xlink:label="lab_currency_ARS" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Argentine peso</link:label>
    <link:label id="lab_currency_ARS_label_en-US" xlink:label="lab_currency_ARS" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Argentina, Pesos</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_currency_ARS" xlink:href="https://xbrl.sec.gov/currency/2025/currency-2025.xsd#currency_ARS"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_ARS" xlink:to="lab_currency_ARS" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EuroAndUnitedStatesDollarMember_019ca0fb-cad3-7c5e-b2fb-d023996b1928_terseLabel_en-US" xlink:label="lab_san_EuroAndUnitedStatesDollarMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">EUR/USD</link:label>
    <link:label id="lab_san_EuroAndUnitedStatesDollarMember_label_en-US" xlink:label="lab_san_EuroAndUnitedStatesDollarMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Euro And United States Dollar [Member]</link:label>
    <link:label id="lab_san_EuroAndUnitedStatesDollarMember_documentation_en-US" xlink:label="lab_san_EuroAndUnitedStatesDollarMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Euro And United States Dollar</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EuroAndUnitedStatesDollarMember" xlink:href="san-20251231.xsd#san_EuroAndUnitedStatesDollarMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EuroAndUnitedStatesDollarMember" xlink:to="lab_san_EuroAndUnitedStatesDollarMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ConsolidationReserve_019ca0fb-cb6b-70db-b8b4-70dad0af2d25_terseLabel_en-US" xlink:label="lab_san_ConsolidationReserve" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidation reserves attributable to the Bank</link:label>
    <link:label id="lab_san_ConsolidationReserve_label_en-US" xlink:label="lab_san_ConsolidationReserve" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidation Reserve</link:label>
    <link:label id="lab_san_ConsolidationReserve_documentation_en-US" xlink:label="lab_san_ConsolidationReserve" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A component of equity representing reserves for consolidation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ConsolidationReserve" xlink:href="san-20251231.xsd#san_ConsolidationReserve"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ConsolidationReserve" xlink:to="lab_san_ConsolidationReserve" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInSeptember2021Member_019ca0fb-cbee-7b8c-a040-3641f4e93287_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInSeptember2021Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Santander, S.A., September 2021</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInSeptember2021Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInSeptember2021Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In September 2021 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderSAInSeptember2021Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderSAInSeptember2021Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander S.A. In September 2021</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderSAInSeptember2021Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderSAInSeptember2021Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderSAInSeptember2021Member" xlink:to="lab_san_IssuanceByBancoSantanderSAInSeptember2021Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MiscellaneousOtherOperatingExpense_019ca0fb-cbee-779d-8384-3efd8ede8358_negatedLabel_en-US" xlink:label="lab_ifrs-full_MiscellaneousOtherOperatingExpense" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Other operating expense</link:label>
    <link:label id="lab_ifrs-full_MiscellaneousOtherOperatingExpense_label_en-US" xlink:label="lab_ifrs-full_MiscellaneousOtherOperatingExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Miscellaneous other operating expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MiscellaneousOtherOperatingExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MiscellaneousOtherOperatingExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MiscellaneousOtherOperatingExpense" xlink:to="lab_ifrs-full_MiscellaneousOtherOperatingExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SummaryQuantitativeDataAboutEntitysExposureToRisk_019ca0fb-cbee-7dac-986f-b170517d665a_terseLabel_en-US" xlink:label="lab_ifrs-full_SummaryQuantitativeDataAboutEntitysExposureToRisk" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of direct risk exposure to bank's directors and the guarantees provided</link:label>
    <link:label id="lab_ifrs-full_SummaryQuantitativeDataAboutEntitysExposureToRisk_019ca0fb-cbee-7513-9569-f41df65c51df_verboseLabel_en-US" xlink:label="lab_ifrs-full_SummaryQuantitativeDataAboutEntitysExposureToRisk" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Schedule of exposure to risk</link:label>
    <link:label id="lab_ifrs-full_SummaryQuantitativeDataAboutEntitysExposureToRisk_label_en-US" xlink:label="lab_ifrs-full_SummaryQuantitativeDataAboutEntitysExposureToRisk" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Summary quantitative data about entity's exposure to risk [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SummaryQuantitativeDataAboutEntitysExposureToRisk" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SummaryQuantitativeDataAboutEntitysExposureToRisk"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SummaryQuantitativeDataAboutEntitysExposureToRisk" xlink:to="lab_ifrs-full_SummaryQuantitativeDataAboutEntitysExposureToRisk" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ForeignCountriesMember_019ca0fb-cb6b-79ee-9ef8-bdcb9b53438c_terseLabel_en-US" xlink:label="lab_ifrs-full_ForeignCountriesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Abroad</link:label>
    <link:label id="lab_ifrs-full_ForeignCountriesMember_019ca0fb-cb6b-77e4-9d2a-3da57c33c381_verboseLabel_en-US" xlink:label="lab_ifrs-full_ForeignCountriesMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Group</link:label>
    <link:label id="lab_ifrs-full_ForeignCountriesMember_label_en-US" xlink:label="lab_ifrs-full_ForeignCountriesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign countries [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ForeignCountriesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ForeignCountriesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ForeignCountriesMember" xlink:to="lab_ifrs-full_ForeignCountriesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis_019ca0fb-cc70-7196-877f-391e156d2e6e_terseLabel_en-US" xlink:label="lab_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets and liabilities classified as held for sale [axis]</link:label>
    <link:label id="lab_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis_label_en-US" xlink:label="lab_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets and liabilities classified as held for sale [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis" xlink:to="lab_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ReposReverseReposMember_019ca0fb-cbee-7948-96af-f002685390f1_terseLabel_en-US" xlink:label="lab_san_ReposReverseReposMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repos/Reverse Repos</link:label>
    <link:label id="lab_san_ReposReverseReposMember_label_en-US" xlink:label="lab_san_ReposReverseReposMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repos/Reverse Repos [Member]</link:label>
    <link:label id="lab_san_ReposReverseReposMember_documentation_en-US" xlink:label="lab_san_ReposReverseReposMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Repos/Reverse Repos</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ReposReverseReposMember" xlink:href="san-20251231.xsd#san_ReposReverseReposMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ReposReverseReposMember" xlink:to="lab_san_ReposReverseReposMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MiscellaneousLiabilitiesAbstract_019ca0fb-ca4e-7818-879e-76d78237cb22_terseLabel_en-US" xlink:label="lab_ifrs-full_MiscellaneousLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Miscellaneous liabilities [abstract]</link:label>
    <link:label id="lab_ifrs-full_MiscellaneousLiabilitiesAbstract_label_en-US" xlink:label="lab_ifrs-full_MiscellaneousLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Miscellaneous liabilities [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MiscellaneousLiabilitiesAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MiscellaneousLiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MiscellaneousLiabilitiesAbstract" xlink:to="lab_ifrs-full_MiscellaneousLiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss_019ca0fb-cbee-79f4-ab5c-6faf295d628b_negatedLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Income tax relating to items that will not be reclassified</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss_label_en-US" xlink:label="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income tax relating to components of other comprehensive income that will not be reclassified to profit or loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" xlink:to="lab_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GeneralThresholdOfVariableRemunerationInWhichDeferred_019ca0fb-cb6b-7c23-b91e-89c76fd0628b_terseLabel_en-US" xlink:label="lab_san_GeneralThresholdOfVariableRemunerationInWhichDeferred" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross variable remuneration benchmark threshold</link:label>
    <link:label id="lab_san_GeneralThresholdOfVariableRemunerationInWhichDeferred_label_en-US" xlink:label="lab_san_GeneralThresholdOfVariableRemunerationInWhichDeferred" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">General Threshold Of Variable Remuneration In Which Deferred</link:label>
    <link:label id="lab_san_GeneralThresholdOfVariableRemunerationInWhichDeferred_documentation_en-US" xlink:label="lab_san_GeneralThresholdOfVariableRemunerationInWhichDeferred" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The threshold trigger amount of variable remuneration or bonus, in which will be deferred over a specified period and paid in shares.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GeneralThresholdOfVariableRemunerationInWhichDeferred" xlink:href="san-20251231.xsd#san_GeneralThresholdOfVariableRemunerationInWhichDeferred"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GeneralThresholdOfVariableRemunerationInWhichDeferred" xlink:to="lab_san_GeneralThresholdOfVariableRemunerationInWhichDeferred" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TheNorthernTrustMember_019ca0fb-c94e-7a36-8fff-ee2c6bc1d9c0_terseLabel_en-US" xlink:label="lab_san_TheNorthernTrustMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">The Northern Trust</link:label>
    <link:label id="lab_san_TheNorthernTrustMember_label_en-US" xlink:label="lab_san_TheNorthernTrustMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">The Northern Trust [Member]</link:label>
    <link:label id="lab_san_TheNorthernTrustMember_documentation_en-US" xlink:label="lab_san_TheNorthernTrustMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The Northern Trust</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TheNorthernTrustMember" xlink:href="san-20251231.xsd#san_TheNorthernTrustMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TheNorthernTrustMember" xlink:to="lab_san_TheNorthernTrustMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NonResidentialPropertyCollateralMember_019ca0fb-ca4e-79b4-b1b2-c0a6ff830659_terseLabel_en-US" xlink:label="lab_san_NonResidentialPropertyCollateralMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_san_NonResidentialPropertyCollateralMember_label_en-US" xlink:label="lab_san_NonResidentialPropertyCollateralMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non Residential Property Collateral [Member]</link:label>
    <link:label id="lab_san_NonResidentialPropertyCollateralMember_documentation_en-US" xlink:label="lab_san_NonResidentialPropertyCollateralMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for collateral in the form of non-residential property.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NonResidentialPropertyCollateralMember" xlink:href="san-20251231.xsd#san_NonResidentialPropertyCollateralMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NonResidentialPropertyCollateralMember" xlink:to="lab_san_NonResidentialPropertyCollateralMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_JointVenturesAxis_019ca0fb-cbee-7146-bf44-dbbb8fd03969_terseLabel_en-US" xlink:label="lab_ifrs-full_JointVenturesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Joint ventures [axis]</link:label>
    <link:label id="lab_ifrs-full_JointVenturesAxis_label_en-US" xlink:label="lab_ifrs-full_JointVenturesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Joint ventures [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_JointVenturesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_JointVenturesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_JointVenturesAxis" xlink:to="lab_ifrs-full_JointVenturesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfOtherComprehensiveIncomeExchangeDifferencesInForeignOperationsThatMayBeReclassifiedToProfitOrLossTableTextBlock_019ca0fb-cad3-7ab6-b6c7-38e83afb0172_terseLabel_en-US" xlink:label="lab_san_DisclosureOfOtherComprehensiveIncomeExchangeDifferencesInForeignOperationsThatMayBeReclassifiedToProfitOrLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of exchange differences included in other comprehensive income that may be reclassified to profit or loss</link:label>
    <link:label id="lab_san_DisclosureOfOtherComprehensiveIncomeExchangeDifferencesInForeignOperationsThatMayBeReclassifiedToProfitOrLossTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfOtherComprehensiveIncomeExchangeDifferencesInForeignOperationsThatMayBeReclassifiedToProfitOrLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Other Comprehensive Income Exchange Differences In Foreign Operations That May Be Reclassified To Profit Or Loss [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfOtherComprehensiveIncomeExchangeDifferencesInForeignOperationsThatMayBeReclassifiedToProfitOrLossTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfOtherComprehensiveIncomeExchangeDifferencesInForeignOperationsThatMayBeReclassifiedToProfitOrLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The schedule of exchange differences of the effective portion of the hedge of net investments in foreign operations included in other comprehensive income that may be reclassified to profit or loss.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfOtherComprehensiveIncomeExchangeDifferencesInForeignOperationsThatMayBeReclassifiedToProfitOrLossTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfOtherComprehensiveIncomeExchangeDifferencesInForeignOperationsThatMayBeReclassifiedToProfitOrLossTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfOtherComprehensiveIncomeExchangeDifferencesInForeignOperationsThatMayBeReclassifiedToProfitOrLossTableTextBlock" xlink:to="lab_san_DisclosureOfOtherComprehensiveIncomeExchangeDifferencesInForeignOperationsThatMayBeReclassifiedToProfitOrLossTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CashCashBalanceAtCentralBanksAndOtherDepositsOnDemandMember_019ca0fb-ca4d-7877-8121-67a21fe4e9a2_terseLabel_en-US" xlink:label="lab_san_CashCashBalanceAtCentralBanksAndOtherDepositsOnDemandMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash, cash balances at central banks and other deposits on demand</link:label>
    <link:label id="lab_san_CashCashBalanceAtCentralBanksAndOtherDepositsOnDemandMember_019ca0fb-ca4d-7b83-b110-5afb883a874b_netLabel_en-US" xlink:label="lab_san_CashCashBalanceAtCentralBanksAndOtherDepositsOnDemandMember" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Cash and reserves available at central banks</link:label>
    <link:label id="lab_san_CashCashBalanceAtCentralBanksAndOtherDepositsOnDemandMember_label_en-US" xlink:label="lab_san_CashCashBalanceAtCentralBanksAndOtherDepositsOnDemandMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Cash Balance At Central Banks And Other Deposits On Demand [Member]</link:label>
    <link:label id="lab_san_CashCashBalanceAtCentralBanksAndOtherDepositsOnDemandMember_documentation_en-US" xlink:label="lab_san_CashCashBalanceAtCentralBanksAndOtherDepositsOnDemandMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for cash, cash balances at Central Banks and other deposits on demand.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CashCashBalanceAtCentralBanksAndOtherDepositsOnDemandMember" xlink:href="san-20251231.xsd#san_CashCashBalanceAtCentralBanksAndOtherDepositsOnDemandMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CashCashBalanceAtCentralBanksAndOtherDepositsOnDemandMember" xlink:to="lab_san_CashCashBalanceAtCentralBanksAndOtherDepositsOnDemandMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IFRSStandardPoorsBelowBBBRatingMember_019ca0fb-cbee-78b4-8145-809f5c123fcb_terseLabel_en-US" xlink:label="lab_san_IFRSStandardPoorsBelowBBBRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Below BBB</link:label>
    <link:label id="lab_san_IFRSStandardPoorsBelowBBBRatingMember_label_en-US" xlink:label="lab_san_IFRSStandardPoorsBelowBBBRatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS Standard Poors Below BBB Rating [Member]</link:label>
    <link:label id="lab_san_IFRSStandardPoorsBelowBBBRatingMember_documentation_en-US" xlink:label="lab_san_IFRSStandardPoorsBelowBBBRatingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">BBB- credit rating as defined by the external credit rating agency, Standard &amp; Poor's.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IFRSStandardPoorsBelowBBBRatingMember" xlink:href="san-20251231.xsd#san_IFRSStandardPoorsBelowBBBRatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IFRSStandardPoorsBelowBBBRatingMember" xlink:to="lab_san_IFRSStandardPoorsBelowBBBRatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities_019ca0fb-c9cd-7dc4-aa0c-f53a151bb88b_terseLabel_en-US" xlink:label="lab_ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible assets</link:label>
    <link:label id="lab_ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities_label_en-US" xlink:label="lab_ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from sales of intangible assets, classified as investing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:to="lab_ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfRiskManagementStrategyRelatedToHedgeAccountingLineItems_019ca0fb-cc70-7794-9e00-8a97bb94fd35_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfRiskManagementStrategyRelatedToHedgeAccountingLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of risk management strategy related to hedge accounting [line items]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfRiskManagementStrategyRelatedToHedgeAccountingLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfRiskManagementStrategyRelatedToHedgeAccountingLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of risk management strategy related to hedge accounting [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfRiskManagementStrategyRelatedToHedgeAccountingLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfRiskManagementStrategyRelatedToHedgeAccountingLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfRiskManagementStrategyRelatedToHedgeAccountingLineItems" xlink:to="lab_ifrs-full_DisclosureOfRiskManagementStrategyRelatedToHedgeAccountingLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfUndeclaredEmployees_019ca0fb-c9cd-7133-acea-f82e6ade403f_terseLabel_en-US" xlink:label="lab_san_NumberOfUndeclaredEmployees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of employees - undeclared</link:label>
    <link:label id="lab_san_NumberOfUndeclaredEmployees_label_en-US" xlink:label="lab_san_NumberOfUndeclaredEmployees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Undeclared Employees</link:label>
    <link:label id="lab_san_NumberOfUndeclaredEmployees_documentation_en-US" xlink:label="lab_san_NumberOfUndeclaredEmployees" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Of Undeclared Employees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfUndeclaredEmployees" xlink:href="san-20251231.xsd#san_NumberOfUndeclaredEmployees"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfUndeclaredEmployees" xlink:to="lab_san_NumberOfUndeclaredEmployees" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfJudgmentsRendered_019ca0fb-c94d-70fe-9efd-30f17658b77c_terseLabel_en-US" xlink:label="lab_san_NumberOfJudgmentsRendered" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of judgments rendered</link:label>
    <link:label id="lab_san_NumberOfJudgmentsRendered_label_en-US" xlink:label="lab_san_NumberOfJudgmentsRendered" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Judgments Rendered</link:label>
    <link:label id="lab_san_NumberOfJudgmentsRendered_documentation_en-US" xlink:label="lab_san_NumberOfJudgmentsRendered" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Of Judgments Rendered</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfJudgmentsRendered" xlink:href="san-20251231.xsd#san_NumberOfJudgmentsRendered"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfJudgmentsRendered" xlink:to="lab_san_NumberOfJudgmentsRendered" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansAndAdvancesCustomersMember_019ca0fb-c9cd-7b45-86a0-8a7a616d0b4f_terseLabel_en-US" xlink:label="lab_san_LoansAndAdvancesCustomersMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Customers</link:label>
    <link:label id="lab_san_LoansAndAdvancesCustomersMember_019ca0fb-c9cd-7769-930a-7de25a691cd2_verboseLabel_en-US" xlink:label="lab_san_LoansAndAdvancesCustomersMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances: customers</link:label>
    <link:label id="lab_san_LoansAndAdvancesCustomersMember_label_en-US" xlink:label="lab_san_LoansAndAdvancesCustomersMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans And Advances, Customers [Member]</link:label>
    <link:label id="lab_san_LoansAndAdvancesCustomersMember_documentation_en-US" xlink:label="lab_san_LoansAndAdvancesCustomersMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents the loans and advances made to customers, including money market operations through central counterparties. Excludes loans and advances at central banks and credit institutions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansAndAdvancesCustomersMember" xlink:href="san-20251231.xsd#san_LoansAndAdvancesCustomersMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansAndAdvancesCustomersMember" xlink:to="lab_san_LoansAndAdvancesCustomersMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GrowthRateMeasurementInputMember_019ca0fb-cad3-7280-960d-ff5b2b69b091_terseLabel_en-US" xlink:label="lab_san_GrowthRateMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Growth rate</link:label>
    <link:label id="lab_san_GrowthRateMeasurementInputMember_label_en-US" xlink:label="lab_san_GrowthRateMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Growth Rate, Measurement Input [Member]</link:label>
    <link:label id="lab_san_GrowthRateMeasurementInputMember_documentation_en-US" xlink:label="lab_san_GrowthRateMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Growth Rate, Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GrowthRateMeasurementInputMember" xlink:href="san-20251231.xsd#san_GrowthRateMeasurementInputMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GrowthRateMeasurementInputMember" xlink:to="lab_san_GrowthRateMeasurementInputMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ValueAtRiskConfidenceLevelPercentage_019ca0fb-c9cd-7b5e-ab4f-2769b2f0e5ec_terseLabel_en-US" xlink:label="lab_san_ValueAtRiskConfidenceLevelPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">VaR confidence level, percent</link:label>
    <link:label id="lab_san_ValueAtRiskConfidenceLevelPercentage_019ca0fb-c9cd-7877-9600-e7753734871c_verboseLabel_en-US" xlink:label="lab_san_ValueAtRiskConfidenceLevelPercentage" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">VaR percentage</link:label>
    <link:label id="lab_san_ValueAtRiskConfidenceLevelPercentage_label_en-US" xlink:label="lab_san_ValueAtRiskConfidenceLevelPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Value At Risk, Confidence Level Percentage</link:label>
    <link:label id="lab_san_ValueAtRiskConfidenceLevelPercentage_documentation_en-US" xlink:label="lab_san_ValueAtRiskConfidenceLevelPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The specified confidence level percentage used to measure potential loss exposure due to the effects of future market movements on value at risk.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ValueAtRiskConfidenceLevelPercentage" xlink:href="san-20251231.xsd#san_ValueAtRiskConfidenceLevelPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ValueAtRiskConfidenceLevelPercentage" xlink:to="lab_san_ValueAtRiskConfidenceLevelPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost_019ca0fb-c9cd-768a-aa89-975967ad3d9c_terseLabel_en-US" xlink:label="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial liabilities at amortized cost</link:label>
    <link:label id="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost_label_en-US" xlink:label="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments for increase (decrease) in financial liabilities measured at amortised cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost" xlink:to="lab_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DeferredTaxLiabilities_019ca0fb-c94e-7d31-ba22-dcaddc534c37_verboseLabel_en-US" xlink:label="lab_ifrs-full_DeferredTaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Deferred tax liabilities</link:label>
    <link:label id="lab_ifrs-full_DeferredTaxLiabilities_019ca0fb-c94e-77ce-b354-3e45ee243648_negatedPeriodStartLabel_en-US" xlink:label="lab_ifrs-full_DeferredTaxLiabilities" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="resource" xml:lang="en-US">Deferred tax liabilities at beginning of period</link:label>
    <link:label id="lab_ifrs-full_DeferredTaxLiabilities_019ca0fb-c94e-77a1-88b6-5093e9cc2ce0_negatedPeriodEndLabel_en-US" xlink:label="lab_ifrs-full_DeferredTaxLiabilities" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="resource" xml:lang="en-US">Deferred tax liabilities at end of period</link:label>
    <link:label id="lab_ifrs-full_DeferredTaxLiabilities_label_en-US" xlink:label="lab_ifrs-full_DeferredTaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred tax liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DeferredTaxLiabilities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DeferredTaxLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DeferredTaxLiabilities" xlink:to="lab_ifrs-full_DeferredTaxLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForeignExchangeOptionsMember_019ca0fb-cbee-7991-8024-8b2e5d32dfe6_terseLabel_en-US" xlink:label="lab_san_ForeignExchangeOptionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FX Options</link:label>
    <link:label id="lab_san_ForeignExchangeOptionsMember_label_en-US" xlink:label="lab_san_ForeignExchangeOptionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign Exchange Options [Member]</link:label>
    <link:label id="lab_san_ForeignExchangeOptionsMember_documentation_en-US" xlink:label="lab_san_ForeignExchangeOptionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Foreign Exchange Options</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForeignExchangeOptionsMember" xlink:href="san-20251231.xsd#san_ForeignExchangeOptionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForeignExchangeOptionsMember" xlink:to="lab_san_ForeignExchangeOptionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfNotionalAmountAndMarketValueOfTradingDerivativesTableTextBlock_019ca0fb-cb6b-79b3-afc8-126e1576b6b8_terseLabel_en-US" xlink:label="lab_san_DisclosureOfNotionalAmountAndMarketValueOfTradingDerivativesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of fair value of derivatives by type of risk</link:label>
    <link:label id="lab_san_DisclosureOfNotionalAmountAndMarketValueOfTradingDerivativesTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfNotionalAmountAndMarketValueOfTradingDerivativesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Notional Amount And Market Value Of Trading Derivatives [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfNotionalAmountAndMarketValueOfTradingDerivativesTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfNotionalAmountAndMarketValueOfTradingDerivativesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of notional amount and market value of trading derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfNotionalAmountAndMarketValueOfTradingDerivativesTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfNotionalAmountAndMarketValueOfTradingDerivativesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfNotionalAmountAndMarketValueOfTradingDerivativesTableTextBlock" xlink:to="lab_san_DisclosureOfNotionalAmountAndMarketValueOfTradingDerivativesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_StatementGeographicalAxis_019ca0fb-ca4e-702d-80db-6041a6b5529a_terseLabel_en-US" xlink:label="lab_srt_StatementGeographicalAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Geographical [Axis]</link:label>
    <link:label id="lab_srt_StatementGeographicalAxis_label_en-US" xlink:label="lab_srt_StatementGeographicalAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Geographical [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StatementGeographicalAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_StatementGeographicalAxis" xlink:to="lab_srt_StatementGeographicalAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedLiabilitiesPreferenceSharesMember_019ca0fb-c9cd-7318-ae80-c746d128ece5_terseLabel_en-US" xlink:label="lab_san_SubordinatedLiabilitiesPreferenceSharesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated liabilities, preference shares</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesPreferenceSharesMember_label_en-US" xlink:label="lab_san_SubordinatedLiabilitiesPreferenceSharesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Liabilities, Preference Shares [Member]</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesPreferenceSharesMember_documentation_en-US" xlink:label="lab_san_SubordinatedLiabilitiesPreferenceSharesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Preference shares classified as subordinated liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedLiabilitiesPreferenceSharesMember" xlink:href="san-20251231.xsd#san_SubordinatedLiabilitiesPreferenceSharesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedLiabilitiesPreferenceSharesMember" xlink:to="lab_san_SubordinatedLiabilitiesPreferenceSharesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis_019ca0fb-cad3-7a73-8d5f-58e9f62d4332_terseLabel_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, plant and equipment including right-of-use assets [axis]</link:label>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis_label_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, plant and equipment including right-of-use assets [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis" xlink:to="lab_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities_019ca0fb-ca4e-7029-aba6-fb42119f2b14_negatedLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Income tax recovered/(paid)</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities_019ca0fb-ca4e-732c-b7a2-5ee9ee42fa82_terseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income tax (receipts)/payments</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities_019ca0fb-ca4e-737c-8be4-f64cb773b47e_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Reimbursements/payments of income tax</link:label>
    <link:label id="lab_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities_label_en-US" xlink:label="lab_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income taxes paid (refund), classified as operating activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities" xlink:to="lab_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OtherMaterialActuarialAssumptions_019ca0fb-c94e-7872-a51c-534c32db5488_terseLabel_en-US" xlink:label="lab_ifrs-full_OtherMaterialActuarialAssumptions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other material actuarial assumptions</link:label>
    <link:label id="lab_ifrs-full_OtherMaterialActuarialAssumptions_label_en-US" xlink:label="lab_ifrs-full_OtherMaterialActuarialAssumptions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other material actuarial assumptions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OtherMaterialActuarialAssumptions" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OtherMaterialActuarialAssumptions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OtherMaterialActuarialAssumptions" xlink:to="lab_ifrs-full_OtherMaterialActuarialAssumptions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NotAtFairValueMember_019ca0fb-c9cd-7121-9ac4-43f4d2437460_terseLabel_en-US" xlink:label="lab_san_NotAtFairValueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying amount</link:label>
    <link:label id="lab_san_NotAtFairValueMember_label_en-US" xlink:label="lab_san_NotAtFairValueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Not At Fair Value [Member]</link:label>
    <link:label id="lab_san_NotAtFairValueMember_documentation_en-US" xlink:label="lab_san_NotAtFairValueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Measured using a method that is not at fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NotAtFairValueMember" xlink:href="san-20251231.xsd#san_NotAtFairValueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NotAtFairValueMember" xlink:to="lab_san_NotAtFairValueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherTangibleAssetsMember_019ca0fb-c9cd-7744-a36c-908ed86b81a5_terseLabel_en-US" xlink:label="lab_san_OtherTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Tangible Assets</link:label>
    <link:label id="lab_san_OtherTangibleAssetsMember_label_en-US" xlink:label="lab_san_OtherTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Tangible Assets [Member]</link:label>
    <link:label id="lab_san_OtherTangibleAssetsMember_documentation_en-US" xlink:label="lab_san_OtherTangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Tangible Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherTangibleAssetsMember" xlink:href="san-20251231.xsd#san_OtherTangibleAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherTangibleAssetsMember" xlink:to="lab_san_OtherTangibleAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LTV60To80PercentMember_019ca0fb-cbee-75b0-823e-a9fca4a8872b_terseLabel_en-US" xlink:label="lab_san_LTV60To80PercentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">More than 60%&#160;and less&#160;than or&#160;equal to 80%</link:label>
    <link:label id="lab_san_LTV60To80PercentMember_label_en-US" xlink:label="lab_san_LTV60To80PercentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">LTV 60 To 80 Percent [Member]</link:label>
    <link:label id="lab_san_LTV60To80PercentMember_documentation_en-US" xlink:label="lab_san_LTV60To80PercentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan-to-value (LTV) ratio from 60 to 80%.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LTV60To80PercentMember" xlink:href="san-20251231.xsd#san_LTV60To80PercentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LTV60To80PercentMember" xlink:to="lab_san_LTV60To80PercentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TreasurySharesMember_019ca0fb-c9cd-7894-9336-dd9a2a9d5539_terseLabel_en-US" xlink:label="lab_ifrs-full_TreasurySharesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">(-) Own shares</link:label>
    <link:label id="lab_ifrs-full_TreasurySharesMember_label_en-US" xlink:label="lab_ifrs-full_TreasurySharesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury shares [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TreasurySharesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TreasurySharesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TreasurySharesMember" xlink:to="lab_ifrs-full_TreasurySharesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InvestmentProperty_019ca0fb-cad3-7bcc-8b01-45fe9ad0e337_terseLabel_en-US" xlink:label="lab_ifrs-full_InvestmentProperty" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment properties</link:label>
    <link:label id="lab_ifrs-full_InvestmentProperty_label_en-US" xlink:label="lab_ifrs-full_InvestmentProperty" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment property</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InvestmentProperty" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InvestmentProperty"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InvestmentProperty" xlink:to="lab_ifrs-full_InvestmentProperty" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedLiabilitiesNetIssuancesRedemptionsAndRepurchases_019ca0fb-cbee-7d51-9d32-a52822aedf54_terseLabel_en-US" xlink:label="lab_san_SubordinatedLiabilitiesNetIssuancesRedemptionsAndRepurchases" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net issuances, redemptions and repurchases</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesNetIssuancesRedemptionsAndRepurchases_label_en-US" xlink:label="lab_san_SubordinatedLiabilitiesNetIssuancesRedemptionsAndRepurchases" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Liabilities, Net Issuances, Redemptions And Repurchases</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesNetIssuancesRedemptionsAndRepurchases_documentation_en-US" xlink:label="lab_san_SubordinatedLiabilitiesNetIssuancesRedemptionsAndRepurchases" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The net amount of issuances, redemptions and repurchases for subordinated liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedLiabilitiesNetIssuancesRedemptionsAndRepurchases" xlink:href="san-20251231.xsd#san_SubordinatedLiabilitiesNetIssuancesRedemptionsAndRepurchases"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedLiabilitiesNetIssuancesRedemptionsAndRepurchases" xlink:to="lab_san_SubordinatedLiabilitiesNetIssuancesRedemptionsAndRepurchases" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments_019ca0fb-cad3-7f31-9e2c-3fbaa8c517a8_terseLabel_en-US" xlink:label="lab_san_DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">(Charge)/Credit to asset and liability valuation adjustments</link:label>
    <link:label id="lab_san_DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments_label_en-US" xlink:label="lab_san_DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Relating To Items Credited Directly To Asset Valuation Adjustments</link:label>
    <link:label id="lab_san_DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments_documentation_en-US" xlink:label="lab_san_DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of deferred tax related to items credited to asset valuation adjustments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments" xlink:href="san-20251231.xsd#san_DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments" xlink:to="lab_san_DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems_019ca0fb-c94e-7e1f-84b7-e5942a43e4e0_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsidiaries and joint ventures</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems_019ca0fb-c94e-736b-a22e-3b0210c9b4a8_verboseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Non-controlling interests</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of subsidiaries [line items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems" xlink:to="lab_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AssetsAndLiabilitiesAxis_019ca0fb-cc70-7457-9c55-651d94305b88_terseLabel_en-US" xlink:label="lab_ifrs-full_AssetsAndLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets and liabilities [axis]</link:label>
    <link:label id="lab_ifrs-full_AssetsAndLiabilitiesAxis_label_en-US" xlink:label="lab_ifrs-full_AssetsAndLiabilitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets and liabilities [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AssetsAndLiabilitiesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AssetsAndLiabilitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AssetsAndLiabilitiesAxis" xlink:to="lab_ifrs-full_AssetsAndLiabilitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NotDesignatedItemsByTransactionMember_019ca0fb-c94d-7187-8be2-2651981c91c7_terseLabel_en-US" xlink:label="lab_san_NotDesignatedItemsByTransactionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">B) Not designated elements - linked to a transaction</link:label>
    <link:label id="lab_san_NotDesignatedItemsByTransactionMember_label_en-US" xlink:label="lab_san_NotDesignatedItemsByTransactionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Not Designated Items, By Transaction [Member]</link:label>
    <link:label id="lab_san_NotDesignatedItemsByTransactionMember_documentation_en-US" xlink:label="lab_san_NotDesignatedItemsByTransactionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Not Designated Items, By Transaction</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NotDesignatedItemsByTransactionMember" xlink:href="san-20251231.xsd#san_NotDesignatedItemsByTransactionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NotDesignatedItemsByTransactionMember" xlink:to="lab_san_NotDesignatedItemsByTransactionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentBPAGrowthTarget_019ca0fb-cad3-7717-88dd-0572e8de03ce_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentBPAGrowthTarget" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">BPA growth objective, target</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentBPAGrowthTarget_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentBPAGrowthTarget" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, BPA Growth, Target</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentBPAGrowthTarget_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentBPAGrowthTarget" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, BPA Growth, Target</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentBPAGrowthTarget" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentBPAGrowthTarget"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentBPAGrowthTarget" xlink:to="lab_san_VariableRemunerationDeferredPaymentBPAGrowthTarget" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses_019ca0fb-c9cd-7e7e-9ec4-fde9412305b4_negatedLabel_en-US" xlink:label="lab_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Capital losses by valuation</link:label>
    <link:label id="lab_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses_label_en-US" xlink:label="lab_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reserve Of Gains And Losses From Investment In Equity Instruments, Accumulated Losses</link:label>
    <link:label id="lab_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses_documentation_en-US" xlink:label="lab_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The portion of the reserve of gains and losses from investments in equity instruments that represents accumulated revaluation losses.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses" xlink:href="san-20251231.xsd#san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses" xlink:to="lab_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill_019ca0fb-cbee-7e0c-b1ba-7c603b82f22a_terseLabel_en-US" xlink:label="lab_san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Application&#160;of amortization and impairment</link:label>
    <link:label id="lab_san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill_label_en-US" xlink:label="lab_san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Application Of Amortisation And Impairment, Intangible Assets Other Than Goodwill</link:label>
    <link:label id="lab_san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill_documentation_en-US" xlink:label="lab_san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of application of amortisation or impairment of intangible assets other than goodwill.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" xlink:href="san-20251231.xsd#san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" xlink:to="lab_san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherCompaniesMember_019ca0fb-c9cd-7120-a936-4ad2e3e0b1b9_terseLabel_en-US" xlink:label="lab_san_OtherCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other companies</link:label>
    <link:label id="lab_san_OtherCompaniesMember_label_en-US" xlink:label="lab_san_OtherCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Companies [Member]</link:label>
    <link:label id="lab_san_OtherCompaniesMember_documentation_en-US" xlink:label="lab_san_OtherCompaniesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to other subsidiary companies of the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherCompaniesMember" xlink:href="san-20251231.xsd#san_OtherCompaniesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherCompaniesMember" xlink:to="lab_san_OtherCompaniesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedLifeAndHealthInsuranceContribution_019ca0fb-c9cd-729e-be59-309110cc809e_terseLabel_en-US" xlink:label="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedLifeAndHealthInsuranceContribution" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation received , life and health insurance contribution</link:label>
    <link:label id="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedLifeAndHealthInsuranceContribution_label_en-US" xlink:label="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedLifeAndHealthInsuranceContribution" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Key Management Personnel Directors Compensation Received, Life And Health Insurance Contribution</link:label>
    <link:label id="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedLifeAndHealthInsuranceContribution_documentation_en-US" xlink:label="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedLifeAndHealthInsuranceContribution" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Key Management Personnel Directors Compensation Received, Life And Health Insurance Contribution</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_KeyManagementPersonnelDirectorsCompensationReceivedLifeAndHealthInsuranceContribution" xlink:href="san-20251231.xsd#san_KeyManagementPersonnelDirectorsCompensationReceivedLifeAndHealthInsuranceContribution"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_KeyManagementPersonnelDirectorsCompensationReceivedLifeAndHealthInsuranceContribution" xlink:to="lab_san_KeyManagementPersonnelDirectorsCompensationReceivedLifeAndHealthInsuranceContribution" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InterestExpenseOnDebtInstrumentsIssuedSubordinatedLiabilities_019ca0fb-cb6b-7c6c-a413-bfa597ce8690_terseLabel_en-US" xlink:label="lab_san_InterestExpenseOnDebtInstrumentsIssuedSubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated liabilities (note&#160;23)</link:label>
    <link:label id="lab_san_InterestExpenseOnDebtInstrumentsIssuedSubordinatedLiabilities_label_en-US" xlink:label="lab_san_InterestExpenseOnDebtInstrumentsIssuedSubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense On Debt Instruments Issued Subordinated Liabilities</link:label>
    <link:label id="lab_san_InterestExpenseOnDebtInstrumentsIssuedSubordinatedLiabilities_documentation_en-US" xlink:label="lab_san_InterestExpenseOnDebtInstrumentsIssuedSubordinatedLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of interest expense for the accruals on subordinated liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InterestExpenseOnDebtInstrumentsIssuedSubordinatedLiabilities" xlink:href="san-20251231.xsd#san_InterestExpenseOnDebtInstrumentsIssuedSubordinatedLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InterestExpenseOnDebtInstrumentsIssuedSubordinatedLiabilities" xlink:to="lab_san_InterestExpenseOnDebtInstrumentsIssuedSubordinatedLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve_019ca0fb-cbee-7e2a-a27f-cb58922e44ee_verboseLabel_en-US" xlink:label="lab_san_PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Percentage of share capital required to be maintained in the legal reserve</link:label>
    <link:label id="lab_san_PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve_019ca0fb-cbee-7b8c-ab54-00967c69d61a_terseLabel_en-US" xlink:label="lab_san_PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of share capital required to be maintained in the legal reserve before annual transfers can be discontinued</link:label>
    <link:label id="lab_san_PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve_label_en-US" xlink:label="lab_san_PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Share Capital Required To Be Maintained In Legal Reserve</link:label>
    <link:label id="lab_san_PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve_documentation_en-US" xlink:label="lab_san_PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of share capital required to be maintained in the legal reserve before annual required transfers can be discontinued.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve" xlink:href="san-20251231.xsd#san_PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve" xlink:to="lab_san_PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ListedMember_019ca0fb-cad3-7b63-be98-d755b0e8c980_terseLabel_en-US" xlink:label="lab_san_ListedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Publicly listed</link:label>
    <link:label id="lab_san_ListedMember_label_en-US" xlink:label="lab_san_ListedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Listed [Member]</link:label>
    <link:label id="lab_san_ListedMember_documentation_en-US" xlink:label="lab_san_ListedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for equity instruments that are listed on exchanges.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ListedMember" xlink:href="san-20251231.xsd#san_ListedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ListedMember" xlink:to="lab_san_ListedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForTreasurySharesExplanatory_019ca0fb-ca4e-77c1-914a-0f7fbb04b67a_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForTreasurySharesExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Own equity instruments</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForTreasurySharesExplanatory_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForTreasurySharesExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description of accounting policy for treasury shares [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfAccountingPolicyForTreasurySharesExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfAccountingPolicyForTreasurySharesExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfAccountingPolicyForTreasurySharesExplanatory" xlink:to="lab_ifrs-full_DescriptionOfAccountingPolicyForTreasurySharesExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CreditRelatedFeeAndCommissionIncomeBills_019ca0fb-ca4e-71e8-be17-727a27246f3a_terseLabel_en-US" xlink:label="lab_san_CreditRelatedFeeAndCommissionIncomeBills" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bills</link:label>
    <link:label id="lab_san_CreditRelatedFeeAndCommissionIncomeBills_label_en-US" xlink:label="lab_san_CreditRelatedFeeAndCommissionIncomeBills" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Related Fee And Commission Income Bills</link:label>
    <link:label id="lab_san_CreditRelatedFeeAndCommissionIncomeBills_documentation_en-US" xlink:label="lab_san_CreditRelatedFeeAndCommissionIncomeBills" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of income recognised from credit-related fees and commissions from bills.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CreditRelatedFeeAndCommissionIncomeBills" xlink:href="san-20251231.xsd#san_CreditRelatedFeeAndCommissionIncomeBills"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CreditRelatedFeeAndCommissionIncomeBills" xlink:to="lab_san_CreditRelatedFeeAndCommissionIncomeBills" xlink:type="arc" order="1"/>
    <link:label id="lab_san_JavierBotinSaenzDeSautuolaMember_019ca0fb-c9cd-7f2f-a8ed-c47b1d79883c_terseLabel_en-US" xlink:label="lab_san_JavierBotinSaenzDeSautuolaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Javier Bot&#237;n</link:label>
    <link:label id="lab_san_JavierBotinSaenzDeSautuolaMember_label_en-US" xlink:label="lab_san_JavierBotinSaenzDeSautuolaMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Javier Botin-Saenz De Sautuola [Member]</link:label>
    <link:label id="lab_san_JavierBotinSaenzDeSautuolaMember_documentation_en-US" xlink:label="lab_san_JavierBotinSaenzDeSautuolaMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Javier Botin-Saenz De Sautuola</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_JavierBotinSaenzDeSautuolaMember" xlink:href="san-20251231.xsd#san_JavierBotinSaenzDeSautuolaMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_JavierBotinSaenzDeSautuolaMember" xlink:to="lab_san_JavierBotinSaenzDeSautuolaMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageOfReasonablyPossibleIncreaseDecreaseInAssumption_019ca0fb-c94e-7638-bf04-ee0c844d58ea_terseLabel_en-US" xlink:label="lab_san_PercentageOfReasonablyPossibleIncreaseDecreaseInAssumption" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage used to adjust sensitivity analysis</link:label>
    <link:label id="lab_san_PercentageOfReasonablyPossibleIncreaseDecreaseInAssumption_label_en-US" xlink:label="lab_san_PercentageOfReasonablyPossibleIncreaseDecreaseInAssumption" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Reasonably Possible Increase (Decrease) In Assumption</link:label>
    <link:label id="lab_san_PercentageOfReasonablyPossibleIncreaseDecreaseInAssumption_documentation_en-US" xlink:label="lab_san_PercentageOfReasonablyPossibleIncreaseDecreaseInAssumption" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage Of Reasonably Possible Increase (Decrease) In Assumption</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageOfReasonablyPossibleIncreaseDecreaseInAssumption" xlink:href="san-20251231.xsd#san_PercentageOfReasonablyPossibleIncreaseDecreaseInAssumption"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageOfReasonablyPossibleIncreaseDecreaseInAssumption" xlink:to="lab_san_PercentageOfReasonablyPossibleIncreaseDecreaseInAssumption" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PropertyPlantAndEquipmentPurchasedForOwnUseMember_019ca0fb-c9cd-70fc-a6fb-2f5c77290338_terseLabel_en-US" xlink:label="lab_san_PropertyPlantAndEquipmentPurchasedForOwnUseMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">For&#160;own&#160;use</link:label>
    <link:label id="lab_san_PropertyPlantAndEquipmentPurchasedForOwnUseMember_label_en-US" xlink:label="lab_san_PropertyPlantAndEquipmentPurchasedForOwnUseMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant And Equipment Purchased For Own Use [Member]</link:label>
    <link:label id="lab_san_PropertyPlantAndEquipmentPurchasedForOwnUseMember_documentation_en-US" xlink:label="lab_san_PropertyPlantAndEquipmentPurchasedForOwnUseMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Member represents property, plant and equipment that are purchased for the company's own use.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PropertyPlantAndEquipmentPurchasedForOwnUseMember" xlink:href="san-20251231.xsd#san_PropertyPlantAndEquipmentPurchasedForOwnUseMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PropertyPlantAndEquipmentPurchasedForOwnUseMember" xlink:to="lab_san_PropertyPlantAndEquipmentPurchasedForOwnUseMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssetsDomain_019ca0fb-cad3-7f1c-b836-b5122524ff90_terseLabel_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, plant and equipment including right-of-use assets [domain]</link:label>
    <link:label id="lab_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssetsDomain_label_en-US" xlink:label="lab_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, plant and equipment including right-of-use assets [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssetsDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssetsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssetsDomain" xlink:to="lab_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssetsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfSharesMaturedButNotConsolidatedInShareBasedPaymentArrangement_019ca0fb-c94e-75c4-9d52-e21099ab6060_negatedTerseLabel_en-US" xlink:label="lab_san_NumberOfSharesMaturedButNotConsolidatedInShareBasedPaymentArrangement" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Instruments matured but not consolidated at beginning of period (in shares)</link:label>
    <link:label id="lab_san_NumberOfSharesMaturedButNotConsolidatedInShareBasedPaymentArrangement_label_en-US" xlink:label="lab_san_NumberOfSharesMaturedButNotConsolidatedInShareBasedPaymentArrangement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Shares Matured But Not Consolidated In Share-Based Payment Arrangement</link:label>
    <link:label id="lab_san_NumberOfSharesMaturedButNotConsolidatedInShareBasedPaymentArrangement_documentation_en-US" xlink:label="lab_san_NumberOfSharesMaturedButNotConsolidatedInShareBasedPaymentArrangement" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Of Shares Matured But Not Consolidated In Share-Based Payment Arrangement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfSharesMaturedButNotConsolidatedInShareBasedPaymentArrangement" xlink:href="san-20251231.xsd#san_NumberOfSharesMaturedButNotConsolidatedInShareBasedPaymentArrangement"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfSharesMaturedButNotConsolidatedInShareBasedPaymentArrangement" xlink:to="lab_san_NumberOfSharesMaturedButNotConsolidatedInShareBasedPaymentArrangement" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MiscellaneousOtherProvisionsMember_019ca0fb-c9cd-761d-a5d8-c89c5929cae5_terseLabel_en-US" xlink:label="lab_ifrs-full_MiscellaneousOtherProvisionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other provisions</link:label>
    <link:label id="lab_ifrs-full_MiscellaneousOtherProvisionsMember_label_en-US" xlink:label="lab_ifrs-full_MiscellaneousOtherProvisionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Miscellaneous other provisions [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MiscellaneousOtherProvisionsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MiscellaneousOtherProvisionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MiscellaneousOtherProvisionsMember" xlink:to="lab_ifrs-full_MiscellaneousOtherProvisionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SeniorSecuredDebtMember_019ca0fb-cb6b-71b9-a231-5196d40fea0a_terseLabel_en-US" xlink:label="lab_san_SeniorSecuredDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Senior secured debt</link:label>
    <link:label id="lab_san_SeniorSecuredDebtMember_label_en-US" xlink:label="lab_san_SeniorSecuredDebtMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Senior Secured Debt [Member]</link:label>
    <link:label id="lab_san_SeniorSecuredDebtMember_documentation_en-US" xlink:label="lab_san_SeniorSecuredDebtMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Senior Secured Debt [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SeniorSecuredDebtMember" xlink:href="san-20251231.xsd#san_SeniorSecuredDebtMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SeniorSecuredDebtMember" xlink:to="lab_san_SeniorSecuredDebtMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InterestRateOptionPricingModelMember_019ca0fb-cc70-7916-b27e-5112c167c9bc_terseLabel_en-US" xlink:label="lab_san_InterestRateOptionPricingModelMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">IR option pricing model</link:label>
    <link:label id="lab_san_InterestRateOptionPricingModelMember_label_en-US" xlink:label="lab_san_InterestRateOptionPricingModelMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Option Pricing Model [Member]</link:label>
    <link:label id="lab_san_InterestRateOptionPricingModelMember_documentation_en-US" xlink:label="lab_san_InterestRateOptionPricingModelMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest Rate Option Pricing Model</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InterestRateOptionPricingModelMember" xlink:href="san-20251231.xsd#san_InterestRateOptionPricingModelMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InterestRateOptionPricingModelMember" xlink:to="lab_san_InterestRateOptionPricingModelMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProfitLossFromDiscontinuedOperations_019ca0fb-cad3-7732-a608-2ebc6b9996aa_terseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossFromDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Profit/(loss) after tax from discontinued operations</link:label>
    <link:label id="lab_ifrs-full_ProfitLossFromDiscontinuedOperations_019ca0fb-cad3-7bf5-a7bb-86b8fa60838a_verboseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossFromDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net profit from discontinued operations</link:label>
    <link:label id="lab_ifrs-full_ProfitLossFromDiscontinuedOperations_019ca0fb-cad3-74d4-a2e0-adc8a3e7ea50_netLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossFromDiscontinuedOperations" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Profit from discontinued operations (net)</link:label>
    <link:label id="lab_ifrs-full_ProfitLossFromDiscontinuedOperations_label_en-US" xlink:label="lab_ifrs-full_ProfitLossFromDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit (loss) from discontinued operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProfitLossFromDiscontinuedOperations" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProfitLossFromDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProfitLossFromDiscontinuedOperations" xlink:to="lab_ifrs-full_ProfitLossFromDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LTVLessThan70PercentMember_019ca0fb-ca4e-7796-a252-a5106f951f6a_terseLabel_en-US" xlink:label="lab_san_LTVLessThan70PercentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LTV less than 70%</link:label>
    <link:label id="lab_san_LTVLessThan70PercentMember_label_en-US" xlink:label="lab_san_LTVLessThan70PercentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">LTV Less Than 70 Percent [Member]</link:label>
    <link:label id="lab_san_LTVLessThan70PercentMember_documentation_en-US" xlink:label="lab_san_LTVLessThan70PercentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">LTV Less Than 70 Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LTVLessThan70PercentMember" xlink:href="san-20251231.xsd#san_LTVLessThan70PercentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LTVLessThan70PercentMember" xlink:to="lab_san_LTVLessThan70PercentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections_019ca0fb-c9cd-7aa7-92a3-6e4c322d7634_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nominal perpetual growth rate</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Growth rate used to extrapolate cash flow projections</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" xlink:to="lab_ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets_019ca0fb-ca4e-79fe-9fb2-0c9cd7b6a323_terseLabel_en-US" xlink:label="lab_san_TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Level 1 additional capital coefficient (AT1)</link:label>
    <link:label id="lab_san_TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets_label_en-US" xlink:label="lab_san_TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tier One Capital In Excess Of Common Equity Tier One Capital, Percentage Of Risk Weighted Assets</link:label>
    <link:label id="lab_san_TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets_documentation_en-US" xlink:label="lab_san_TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of Tier 1 capital beyond that included in Common Equity Tier 1 capital divided by risk-weighted assets, which are assets that are weighted for credit risk.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets" xlink:href="san-20251231.xsd#san_TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets" xlink:to="lab_san_TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AccumulatedImpairmentMember_019ca0fb-cb6b-71fb-b54e-fa70974f4ec6_terseLabel_en-US" xlink:label="lab_ifrs-full_AccumulatedImpairmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated impairment</link:label>
    <link:label id="lab_ifrs-full_AccumulatedImpairmentMember_019ca0fb-cb6b-75b7-b547-ca0c6d528e89_verboseLabel_en-US" xlink:label="lab_ifrs-full_AccumulatedImpairmentMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Impairment losses</link:label>
    <link:label id="lab_ifrs-full_AccumulatedImpairmentMember_label_en-US" xlink:label="lab_ifrs-full_AccumulatedImpairmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated impairment [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AccumulatedImpairmentMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AccumulatedImpairmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AccumulatedImpairmentMember" xlink:to="lab_ifrs-full_AccumulatedImpairmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BancoSantanderBrasilSAMember_019ca0fb-cb6b-7a30-ae25-dc7900bb3771_terseLabel_en-US" xlink:label="lab_san_BancoSantanderBrasilSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banco Santander (Brasil) S.A.</link:label>
    <link:label id="lab_san_BancoSantanderBrasilSAMember_label_en-US" xlink:label="lab_san_BancoSantanderBrasilSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banco Santander Brasil SA [Member]</link:label>
    <link:label id="lab_san_BancoSantanderBrasilSAMember_documentation_en-US" xlink:label="lab_san_BancoSantanderBrasilSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Banco Santander (Brasil) S.A., a subsidiary of the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BancoSantanderBrasilSAMember" xlink:href="san-20251231.xsd#san_BancoSantanderBrasilSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BancoSantanderBrasilSAMember" xlink:to="lab_san_BancoSantanderBrasilSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RestOfAmericaMember_019ca0fb-c94e-78e2-9c4e-b814cb9889fb_terseLabel_en-US" xlink:label="lab_san_RestOfAmericaMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rest of America</link:label>
    <link:label id="lab_san_RestOfAmericaMember_label_en-US" xlink:label="lab_san_RestOfAmericaMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Rest Of America [Member]</link:label>
    <link:label id="lab_san_RestOfAmericaMember_documentation_en-US" xlink:label="lab_san_RestOfAmericaMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Rest Of America</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RestOfAmericaMember" xlink:href="san-20251231.xsd#san_RestOfAmericaMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RestOfAmericaMember" xlink:to="lab_san_RestOfAmericaMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory_019ca0fb-c9cd-774c-a538-84d11f3c97ad_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Memorandum items</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of commitments and contingent liabilities [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory" xlink:to="lab_ifrs-full_DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MarketRiskEvaluatedUsingValueAtRiskMetricMember_019ca0fb-cbee-7347-99b2-9ce045c26cfd_terseLabel_en-US" xlink:label="lab_san_MarketRiskEvaluatedUsingValueAtRiskMetricMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">VaR</link:label>
    <link:label id="lab_san_MarketRiskEvaluatedUsingValueAtRiskMetricMember_label_en-US" xlink:label="lab_san_MarketRiskEvaluatedUsingValueAtRiskMetricMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Market Risk Evaluated Using Value At Risk Metric [Member]</link:label>
    <link:label id="lab_san_MarketRiskEvaluatedUsingValueAtRiskMetricMember_documentation_en-US" xlink:label="lab_san_MarketRiskEvaluatedUsingValueAtRiskMetricMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to market risk evaluated using Value at Risk (VaR) metric.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MarketRiskEvaluatedUsingValueAtRiskMetricMember" xlink:href="san-20251231.xsd#san_MarketRiskEvaluatedUsingValueAtRiskMetricMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MarketRiskEvaluatedUsingValueAtRiskMetricMember" xlink:to="lab_san_MarketRiskEvaluatedUsingValueAtRiskMetricMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForwardsOnInterestRateAndVariableIncomeMember_019ca0fb-c94e-77fd-b5ad-5e5bf88829f3_terseLabel_en-US" xlink:label="lab_san_ForwardsOnInterestRateAndVariableIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forwards on interest rate and variable income</link:label>
    <link:label id="lab_san_ForwardsOnInterestRateAndVariableIncomeMember_label_en-US" xlink:label="lab_san_ForwardsOnInterestRateAndVariableIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forwards On Interest Rate And Variable Income [Member]</link:label>
    <link:label id="lab_san_ForwardsOnInterestRateAndVariableIncomeMember_documentation_en-US" xlink:label="lab_san_ForwardsOnInterestRateAndVariableIncomeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Forwards On Interest Rate And Variable Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForwardsOnInterestRateAndVariableIncomeMember" xlink:href="san-20251231.xsd#san_ForwardsOnInterestRateAndVariableIncomeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForwardsOnInterestRateAndVariableIncomeMember" xlink:to="lab_san_ForwardsOnInterestRateAndVariableIncomeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TaxReformAxis_019ca0fb-cad3-7bfe-a66f-1e936579e025_terseLabel_en-US" xlink:label="lab_san_TaxReformAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax Reform [Axis]</link:label>
    <link:label id="lab_san_TaxReformAxis_label_en-US" xlink:label="lab_san_TaxReformAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Reform [Axis]</link:label>
    <link:label id="lab_san_TaxReformAxis_documentation_en-US" xlink:label="lab_san_TaxReformAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax Reform</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TaxReformAxis" xlink:href="san-20251231.xsd#san_TaxReformAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TaxReformAxis" xlink:to="lab_san_TaxReformAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfDetailedInformationAboutPropertyPlantAndEquipmentExplanatory_019ca0fb-c9cd-7d59-b405-a51ad27b0126_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfDetailedInformationAboutPropertyPlantAndEquipmentExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about property, plant and equipment</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfDetailedInformationAboutPropertyPlantAndEquipmentExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfDetailedInformationAboutPropertyPlantAndEquipmentExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about property, plant and equipment [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfDetailedInformationAboutPropertyPlantAndEquipmentExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfDetailedInformationAboutPropertyPlantAndEquipmentExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfDetailedInformationAboutPropertyPlantAndEquipmentExplanatory" xlink:to="lab_ifrs-full_DisclosureOfDetailedInformationAboutPropertyPlantAndEquipmentExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfReservesAndOtherEquityInterestExplanatory_019ca0fb-cb6b-79ec-b990-099b2710f8de_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfReservesAndOtherEquityInterestExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated retained earnings</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfReservesAndOtherEquityInterestExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfReservesAndOtherEquityInterestExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of reserves within equity [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfReservesAndOtherEquityInterestExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfReservesAndOtherEquityInterestExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfReservesAndOtherEquityInterestExplanatory" xlink:to="lab_ifrs-full_DisclosureOfReservesAndOtherEquityInterestExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EquityMethodInvestmentsDomain_019ca0fb-c9cd-7767-8f17-0f53e0b77b29_terseLabel_en-US" xlink:label="lab_san_EquityMethodInvestmentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Associates And Joint Ventures [Domain]</link:label>
    <link:label id="lab_san_EquityMethodInvestmentsDomain_label_en-US" xlink:label="lab_san_EquityMethodInvestmentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Method Investments [Domain]</link:label>
    <link:label id="lab_san_EquityMethodInvestmentsDomain_documentation_en-US" xlink:label="lab_san_EquityMethodInvestmentsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Equity Method Investments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EquityMethodInvestmentsDomain" xlink:href="san-20251231.xsd#san_EquityMethodInvestmentsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EquityMethodInvestmentsDomain" xlink:to="lab_san_EquityMethodInvestmentsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ClassesOfDeferredTaxAssetsDomain_019ca0fb-cbee-752c-95a5-14bdfb43bd65_terseLabel_en-US" xlink:label="lab_san_ClassesOfDeferredTaxAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Classes of Deferred Tax Assets [Domain]</link:label>
    <link:label id="lab_san_ClassesOfDeferredTaxAssetsDomain_label_en-US" xlink:label="lab_san_ClassesOfDeferredTaxAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Classes Of Deferred Tax Assets [Domain]</link:label>
    <link:label id="lab_san_ClassesOfDeferredTaxAssetsDomain_documentation_en-US" xlink:label="lab_san_ClassesOfDeferredTaxAssetsDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Classes of Deferred Tax Assets [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ClassesOfDeferredTaxAssetsDomain" xlink:href="san-20251231.xsd#san_ClassesOfDeferredTaxAssetsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ClassesOfDeferredTaxAssetsDomain" xlink:to="lab_san_ClassesOfDeferredTaxAssetsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InflationSwapRateMeasurementInputMember_019ca0fb-cad3-7566-a165-2d72829d32cc_terseLabel_en-US" xlink:label="lab_san_InflationSwapRateMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Inflation Swap Rate</link:label>
    <link:label id="lab_san_InflationSwapRateMeasurementInputMember_label_en-US" xlink:label="lab_san_InflationSwapRateMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Inflation Swap Rate, Measurement Input [Member]</link:label>
    <link:label id="lab_san_InflationSwapRateMeasurementInputMember_documentation_en-US" xlink:label="lab_san_InflationSwapRateMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Inflation Swap Rate, Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InflationSwapRateMeasurementInputMember" xlink:href="san-20251231.xsd#san_InflationSwapRateMeasurementInputMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InflationSwapRateMeasurementInputMember" xlink:to="lab_san_InflationSwapRateMeasurementInputMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_BorrowingsInterestRate_019ca0fb-c94e-7500-9148-7b37b7d6af62_terseLabel_en-US" xlink:label="lab_ifrs-full_BorrowingsInterestRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Annual interest rate (as a percent)</link:label>
    <link:label id="lab_ifrs-full_BorrowingsInterestRate_label_en-US" xlink:label="lab_ifrs-full_BorrowingsInterestRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Borrowings, interest rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_BorrowingsInterestRate" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_BorrowingsInterestRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_BorrowingsInterestRate" xlink:to="lab_ifrs-full_BorrowingsInterestRate" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInInvestingActivities_019ca0fb-cad3-7245-b318-7bfe1dbced38_totalLabel_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">CASH FLOWS FROM INVESTING ACTIVITIES</link:label>
    <link:label id="lab_ifrs-full_CashFlowsFromUsedInInvestingActivities_label_en-US" xlink:label="lab_ifrs-full_CashFlowsFromUsedInInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash flows from (used in) investing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CashFlowsFromUsedInInvestingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CashFlowsFromUsedInInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CashFlowsFromUsedInInvestingActivities" xlink:to="lab_ifrs-full_CashFlowsFromUsedInInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfDerivativeFinancialInstrumentsExplanatory_019ca0fb-ca4e-72df-ad22-644d769176d4_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfDerivativeFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading derivatives</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfDerivativeFinancialInstrumentsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfDerivativeFinancialInstrumentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of derivative financial instruments [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfDerivativeFinancialInstrumentsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfDerivativeFinancialInstrumentsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfDerivativeFinancialInstrumentsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfDerivativeFinancialInstrumentsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ReverseRepurchaseAgreementsMember_019ca0fb-c9cd-777a-a77a-7f5b7da3754d_terseLabel_en-US" xlink:label="lab_san_ReverseRepurchaseAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reverse repurchase agreements</link:label>
    <link:label id="lab_san_ReverseRepurchaseAgreementsMember_label_en-US" xlink:label="lab_san_ReverseRepurchaseAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reverse Repurchase Agreements [Member]</link:label>
    <link:label id="lab_san_ReverseRepurchaseAgreementsMember_documentation_en-US" xlink:label="lab_san_ReverseRepurchaseAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for financial assets as reverse repurchase agreements.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ReverseRepurchaseAgreementsMember" xlink:href="san-20251231.xsd#san_ReverseRepurchaseAgreementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ReverseRepurchaseAgreementsMember" xlink:to="lab_san_ReverseRepurchaseAgreementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansAndAdvancesToCustomersTableLineItems_019ca0fb-ca4e-7928-be74-4d6938b39443_terseLabel_en-US" xlink:label="lab_san_LoansAndAdvancesToCustomersTableLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans And Advances To Customers Table [Line Items]</link:label>
    <link:label id="lab_san_LoansAndAdvancesToCustomersTableLineItems_label_en-US" xlink:label="lab_san_LoansAndAdvancesToCustomersTableLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans And Advances To Customers Table [Line Items]</link:label>
    <link:label id="lab_san_LoansAndAdvancesToCustomersTableLineItems_documentation_en-US" xlink:label="lab_san_LoansAndAdvancesToCustomersTableLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans And Advances To Customers Table [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansAndAdvancesToCustomersTableLineItems" xlink:href="san-20251231.xsd#san_LoansAndAdvancesToCustomersTableLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansAndAdvancesToCustomersTableLineItems" xlink:to="lab_san_LoansAndAdvancesToCustomersTableLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects_019ca0fb-cad3-7c15-afba-c1862e6c9446_verboseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Profit (loss) from continuing operations (PPC net)</link:label>
    <link:label id="lab_ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects_019ca0fb-cad3-7093-9629-4b55a97cc015_terseLabel_en-US" xlink:label="lab_ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Profit (loss) from continuing operations (net of non-controlling interests and CCP)</link:label>
    <link:label id="lab_ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects_label_en-US" xlink:label="lab_ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Profit (loss) from continuing operations attributable to ordinary equity holders of parent entity, used in calculating diluted earnings per share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" xlink:to="lab_ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GrossLoansAndAdvancesToCustomersMember_019ca0fb-ca4e-72f4-a897-abc888f348fa_terseLabel_en-US" xlink:label="lab_san_GrossLoansAndAdvancesToCustomersMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross loans and advances to customers</link:label>
    <link:label id="lab_san_GrossLoansAndAdvancesToCustomersMember_label_en-US" xlink:label="lab_san_GrossLoansAndAdvancesToCustomersMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gross Loans And Advances To Customers [Member]</link:label>
    <link:label id="lab_san_GrossLoansAndAdvancesToCustomersMember_documentation_en-US" xlink:label="lab_san_GrossLoansAndAdvancesToCustomersMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Gross Loans And Advances To Customers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GrossLoansAndAdvancesToCustomersMember" xlink:href="san-20251231.xsd#san_GrossLoansAndAdvancesToCustomersMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GrossLoansAndAdvancesToCustomersMember" xlink:to="lab_san_GrossLoansAndAdvancesToCustomersMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_EmployeeBenefitsExpense_019ca0fb-cbee-7185-a36d-273a1bafe0d2_negatedTerseLabel_en-US" xlink:label="lab_ifrs-full_EmployeeBenefitsExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Staff costs</link:label>
    <link:label id="lab_ifrs-full_EmployeeBenefitsExpense_019ca0fb-cbee-7b2e-a3da-dd520d036dca_totalLabel_en-US" xlink:label="lab_ifrs-full_EmployeeBenefitsExpense" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total staff costs</link:label>
    <link:label id="lab_ifrs-full_EmployeeBenefitsExpense_label_en-US" xlink:label="lab_ifrs-full_EmployeeBenefitsExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Employee benefits expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EmployeeBenefitsExpense" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_EmployeeBenefitsExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_EmployeeBenefitsExpense" xlink:to="lab_ifrs-full_EmployeeBenefitsExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_san_EligibleCapital_019ca0fb-cbee-7737-ad3d-0a306ea47bf1_totalLabel_en-US" xlink:label="lab_san_EligibleCapital" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total eligible capital</link:label>
    <link:label id="lab_san_EligibleCapital_label_en-US" xlink:label="lab_san_EligibleCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Eligible Capital</link:label>
    <link:label id="lab_san_EligibleCapital_documentation_en-US" xlink:label="lab_san_EligibleCapital" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of total eligible capital as defined in the regulations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_EligibleCapital" xlink:href="san-20251231.xsd#san_EligibleCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_EligibleCapital" xlink:to="lab_san_EligibleCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ExecutiveCommittee1Member_019ca0fb-cb6b-7900-9f96-46f085321a2b_terseLabel_en-US" xlink:label="lab_san_ExecutiveCommittee1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Members of the executive committee</link:label>
    <link:label id="lab_san_ExecutiveCommittee1Member_019ca0fb-cb6b-741e-9311-00cb763cc9fc_verboseLabel_en-US" xlink:label="lab_san_ExecutiveCommittee1Member" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Executive committee</link:label>
    <link:label id="lab_san_ExecutiveCommittee1Member_label_en-US" xlink:label="lab_san_ExecutiveCommittee1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Executive Committee1 [Member]</link:label>
    <link:label id="lab_san_ExecutiveCommittee1Member_documentation_en-US" xlink:label="lab_san_ExecutiveCommittee1Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for those persons serving as members of the executive committee of the board of directors.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ExecutiveCommittee1Member" xlink:href="san-20251231.xsd#san_ExecutiveCommittee1Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ExecutiveCommittee1Member" xlink:to="lab_san_ExecutiveCommittee1Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CurrentAssets_019ca0fb-c9cd-77b7-8045-d4f4c6f3eb2f_terseLabel_en-US" xlink:label="lab_ifrs-full_CurrentAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current assets</link:label>
    <link:label id="lab_ifrs-full_CurrentAssets_label_en-US" xlink:label="lab_ifrs-full_CurrentAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CurrentAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CurrentAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CurrentAssets" xlink:to="lab_ifrs-full_CurrentAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LifetimeExpectedCreditLossesMember_019ca0fb-cad3-7323-9b19-09535ec7812d_terseLabel_en-US" xlink:label="lab_ifrs-full_LifetimeExpectedCreditLossesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stage 2 and 3</link:label>
    <link:label id="lab_ifrs-full_LifetimeExpectedCreditLossesMember_label_en-US" xlink:label="lab_ifrs-full_LifetimeExpectedCreditLossesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lifetime expected credit losses [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LifetimeExpectedCreditLossesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LifetimeExpectedCreditLossesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LifetimeExpectedCreditLossesMember" xlink:to="lab_ifrs-full_LifetimeExpectedCreditLossesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DerivativeFinancialAssetsHeldForHedging_019ca0fb-cbee-79e9-b27b-9c5a0a615d1e_terseLabel_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialAssetsHeldForHedging" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">HEDGING DERIVATIVES</link:label>
    <link:label id="lab_ifrs-full_DerivativeFinancialAssetsHeldForHedging_019ca0fb-cbee-7f10-8d86-ea383bd86464_verboseLabel_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialAssetsHeldForHedging" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Hedging derivatives (assets)</link:label>
    <link:label id="lab_ifrs-full_DerivativeFinancialAssetsHeldForHedging_019ca0fb-cbee-7975-ab56-196741b2070e_netLabel_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialAssetsHeldForHedging" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Hedging derivatives</link:label>
    <link:label id="lab_ifrs-full_DerivativeFinancialAssetsHeldForHedging_label_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialAssetsHeldForHedging" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative financial assets held for hedging</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DerivativeFinancialAssetsHeldForHedging" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DerivativeFinancialAssetsHeldForHedging"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DerivativeFinancialAssetsHeldForHedging" xlink:to="lab_ifrs-full_DerivativeFinancialAssetsHeldForHedging" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfOperatingSegmentsTable_019ca0fb-cbee-75bb-87a6-b883e7df5f7c_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfOperatingSegmentsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of operating segments [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfOperatingSegmentsTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfOperatingSegmentsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of operating segments [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfOperatingSegmentsTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfOperatingSegmentsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfOperatingSegmentsTable" xlink:to="lab_ifrs-full_DisclosureOfOperatingSegmentsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanSecondAndThirdCyclesMember_019ca0fb-cad3-7259-992d-2b163c82015b_terseLabel_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanSecondAndThirdCyclesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred multiyear objectives variable remuneration plan second and third cycles</link:label>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanSecondAndThirdCyclesMember_label_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanSecondAndThirdCyclesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Multiyear Objectives Variable Remuneration Plan Second And Third Cycles [Member]</link:label>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanSecondAndThirdCyclesMember_documentation_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanSecondAndThirdCyclesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to the Deferred Multiyear Objectives Variable Remuneration Plan, second and third cycles (2017 and 2018).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredMultiyearObjectivesVariableRemunerationPlanSecondAndThirdCyclesMember" xlink:href="san-20251231.xsd#san_DeferredMultiyearObjectivesVariableRemunerationPlanSecondAndThirdCyclesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredMultiyearObjectivesVariableRemunerationPlanSecondAndThirdCyclesMember" xlink:to="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanSecondAndThirdCyclesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SubsidiariesMember_019ca0fb-c94e-770b-a93b-e5624a04e47a_terseLabel_en-US" xlink:label="lab_ifrs-full_SubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total for all subsidiaries</link:label>
    <link:label id="lab_ifrs-full_SubsidiariesMember_label_en-US" xlink:label="lab_ifrs-full_SubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total for all subsidiaries [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SubsidiariesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SubsidiariesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SubsidiariesMember" xlink:to="lab_ifrs-full_SubsidiariesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ValueAtEarningsConfidenceLevelPercentage_019ca0fb-ca4e-76a1-b607-c5d473791ff6_terseLabel_en-US" xlink:label="lab_san_ValueAtEarningsConfidenceLevelPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">VaE confidence level, percent</link:label>
    <link:label id="lab_san_ValueAtEarningsConfidenceLevelPercentage_label_en-US" xlink:label="lab_san_ValueAtEarningsConfidenceLevelPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Value At Earnings, Confidence Level Percentage</link:label>
    <link:label id="lab_san_ValueAtEarningsConfidenceLevelPercentage_documentation_en-US" xlink:label="lab_san_ValueAtEarningsConfidenceLevelPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The specified confidence level percentage used to measure potential profits due to the effects of future market movements.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ValueAtEarningsConfidenceLevelPercentage" xlink:href="san-20251231.xsd#san_ValueAtEarningsConfidenceLevelPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ValueAtEarningsConfidenceLevelPercentage" xlink:to="lab_san_ValueAtEarningsConfidenceLevelPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ConstructionAndPropertyDevelopmentLoansMember_019ca0fb-c94e-7e72-b767-43ee5363615e_terseLabel_en-US" xlink:label="lab_san_ConstructionAndPropertyDevelopmentLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Construction and property development</link:label>
    <link:label id="lab_san_ConstructionAndPropertyDevelopmentLoansMember_label_en-US" xlink:label="lab_san_ConstructionAndPropertyDevelopmentLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Construction And Property Development Loans [Member]</link:label>
    <link:label id="lab_san_ConstructionAndPropertyDevelopmentLoansMember_documentation_en-US" xlink:label="lab_san_ConstructionAndPropertyDevelopmentLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for construction and property development loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ConstructionAndPropertyDevelopmentLoansMember" xlink:href="san-20251231.xsd#san_ConstructionAndPropertyDevelopmentLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ConstructionAndPropertyDevelopmentLoansMember" xlink:to="lab_san_ConstructionAndPropertyDevelopmentLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_FlexibleLoansMortgagePortfolioPercentage_019ca0fb-cb6b-786c-accf-cb5d1e057f9c_terseLabel_en-US" xlink:label="lab_san_FlexibleLoansMortgagePortfolioPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Flexible loans, mortgage portfolio, percentage</link:label>
    <link:label id="lab_san_FlexibleLoansMortgagePortfolioPercentage_label_en-US" xlink:label="lab_san_FlexibleLoansMortgagePortfolioPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flexible Loans, Mortgage Portfolio, Percentage</link:label>
    <link:label id="lab_san_FlexibleLoansMortgagePortfolioPercentage_documentation_en-US" xlink:label="lab_san_FlexibleLoansMortgagePortfolioPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flexible Loans, Mortgage Portfolio, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_FlexibleLoansMortgagePortfolioPercentage" xlink:href="san-20251231.xsd#san_FlexibleLoansMortgagePortfolioPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_FlexibleLoansMortgagePortfolioPercentage" xlink:to="lab_san_FlexibleLoansMortgagePortfolioPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_EquityPriceRiskMember_019ca0fb-cb6b-7338-a9e4-96ea98c43520_terseLabel_en-US" xlink:label="lab_ifrs-full_EquityPriceRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equities</link:label>
    <link:label id="lab_ifrs-full_EquityPriceRiskMember_019ca0fb-cb6b-7bb6-8eaa-a886dbe4bbc9_verboseLabel_en-US" xlink:label="lab_ifrs-full_EquityPriceRiskMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">VaR Equities</link:label>
    <link:label id="lab_ifrs-full_EquityPriceRiskMember_label_en-US" xlink:label="lab_ifrs-full_EquityPriceRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity price risk [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EquityPriceRiskMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_EquityPriceRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_EquityPriceRiskMember" xlink:to="lab_ifrs-full_EquityPriceRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DefinedBenefitObligationToPreRetireesAtPresentValue_019ca0fb-cb6b-77be-850d-1ce2aba09b53_terseLabel_en-US" xlink:label="lab_san_DefinedBenefitObligationToPreRetireesAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">To pre-retirees employees</link:label>
    <link:label id="lab_san_DefinedBenefitObligationToPreRetireesAtPresentValue_label_en-US" xlink:label="lab_san_DefinedBenefitObligationToPreRetireesAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Obligation To Pre-Retirees At Present Value</link:label>
    <link:label id="lab_san_DefinedBenefitObligationToPreRetireesAtPresentValue_documentation_en-US" xlink:label="lab_san_DefinedBenefitObligationToPreRetireesAtPresentValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The present value, without deducting any plan assets, of expected future payments required to settle the obligation to pre-retirees resulting from employee service in the current and prior periods.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DefinedBenefitObligationToPreRetireesAtPresentValue" xlink:href="san-20251231.xsd#san_DefinedBenefitObligationToPreRetireesAtPresentValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DefinedBenefitObligationToPreRetireesAtPresentValue" xlink:to="lab_san_DefinedBenefitObligationToPreRetireesAtPresentValue" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SegmentsAxis_019ca0fb-cc70-7fad-b834-3483b2ab8a14_terseLabel_en-US" xlink:label="lab_ifrs-full_SegmentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segments [axis]</link:label>
    <link:label id="lab_ifrs-full_SegmentsAxis_label_en-US" xlink:label="lab_ifrs-full_SegmentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segments [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SegmentsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SegmentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SegmentsAxis" xlink:to="lab_ifrs-full_SegmentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TypesOfRisksAxis_019ca0fb-c9cd-73ee-aa0e-80b8ac1b60f2_terseLabel_en-US" xlink:label="lab_ifrs-full_TypesOfRisksAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Types of risks [axis]</link:label>
    <link:label id="lab_ifrs-full_TypesOfRisksAxis_label_en-US" xlink:label="lab_ifrs-full_TypesOfRisksAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Types of risks [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TypesOfRisksAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TypesOfRisksAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TypesOfRisksAxis" xlink:to="lab_ifrs-full_TypesOfRisksAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfEquityFinancialInstrumentsTextBlock_019ca0fb-c9cd-7579-964f-8f13aeb21117_terseLabel_en-US" xlink:label="lab_san_DisclosureOfEquityFinancialInstrumentsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity instruments</link:label>
    <link:label id="lab_san_DisclosureOfEquityFinancialInstrumentsTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfEquityFinancialInstrumentsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Equity Financial Instruments [Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfEquityFinancialInstrumentsTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfEquityFinancialInstrumentsTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The entire disclosure for equity financial instruments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfEquityFinancialInstrumentsTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfEquityFinancialInstrumentsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfEquityFinancialInstrumentsTextBlock" xlink:to="lab_san_DisclosureOfEquityFinancialInstrumentsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RepaidByBancoSantanderS.A.InAugust2025ISINXS1548444816Member_019ca0fb-c9cd-75ee-bc95-1dbacb3e3f18_terseLabel_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InAugust2025ISINXS1548444816Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repaid By Banco Santander S.A. In August 2025, ISIN XS1548444816</link:label>
    <link:label id="lab_san_RepaidByBancoSantanderS.A.InAugust2025ISINXS1548444816Member_label_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InAugust2025ISINXS1548444816Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repaid By Banco Santander S.A. In August 2025, ISIN XS1548444816 [Member]</link:label>
    <link:label id="lab_san_RepaidByBancoSantanderS.A.InAugust2025ISINXS1548444816Member_documentation_en-US" xlink:label="lab_san_RepaidByBancoSantanderS.A.InAugust2025ISINXS1548444816Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Repaid By Banco Santander S.A. In August 2025, ISIN XS1548444816</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RepaidByBancoSantanderS.A.InAugust2025ISINXS1548444816Member" xlink:href="san-20251231.xsd#san_RepaidByBancoSantanderS.A.InAugust2025ISINXS1548444816Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RepaidByBancoSantanderS.A.InAugust2025ISINXS1548444816Member" xlink:to="lab_san_RepaidByBancoSantanderS.A.InAugust2025ISINXS1548444816Member" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AutoABSUKLoansPLCMember_019ca0fb-c94e-7a1e-b9fb-d96221af2174_terseLabel_en-US" xlink:label="lab_san_AutoABSUKLoansPLCMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Auto ABS UK Loans PLC</link:label>
    <link:label id="lab_san_AutoABSUKLoansPLCMember_label_en-US" xlink:label="lab_san_AutoABSUKLoansPLCMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Auto ABS UK Loans PLC [Member]</link:label>
    <link:label id="lab_san_AutoABSUKLoansPLCMember_documentation_en-US" xlink:label="lab_san_AutoABSUKLoansPLCMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Auto ABS UK Loans PLC</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AutoABSUKLoansPLCMember" xlink:href="san-20251231.xsd#san_AutoABSUKLoansPLCMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AutoABSUKLoansPLCMember" xlink:to="lab_san_AutoABSUKLoansPLCMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherAssetsPolicyPolicyTextBlock_019ca0fb-cad3-7168-8d94-5f27f86c648f_terseLabel_en-US" xlink:label="lab_san_OtherAssetsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other assets</link:label>
    <link:label id="lab_san_OtherAssetsPolicyPolicyTextBlock_label_en-US" xlink:label="lab_san_OtherAssetsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Assets, Policy [Policy Text Block]</link:label>
    <link:label id="lab_san_OtherAssetsPolicyPolicyTextBlock_documentation_en-US" xlink:label="lab_san_OtherAssetsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of accounting policy regarding assets classified as other.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherAssetsPolicyPolicyTextBlock" xlink:href="san-20251231.xsd#san_OtherAssetsPolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherAssetsPolicyPolicyTextBlock" xlink:to="lab_san_OtherAssetsPolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancs_019ca0fb-c94e-73b2-ba37-0aeaaaab414a_terseLabel_en-US" xlink:label="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancs" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loans denominated in, or indexed to, CHF</link:label>
    <link:label id="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancs_label_en-US" xlink:label="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancs" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loans, Denominated In/Indexed To Swiss Francs</link:label>
    <link:label id="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancs_documentation_en-US" xlink:label="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancs" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loans, Denominated In/Indexed To Swiss Francs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MortgageLoansDenominatedInIndexedToSwissFrancs" xlink:href="san-20251231.xsd#san_MortgageLoansDenominatedInIndexedToSwissFrancs"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MortgageLoansDenominatedInIndexedToSwissFrancs" xlink:to="lab_san_MortgageLoansDenominatedInIndexedToSwissFrancs" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ExposureToCreditRiskLendingGuaranteesAndDocumentaryCredits_019ca0fb-c94e-77c0-aab1-c5efb47812a0_terseLabel_en-US" xlink:label="lab_san_ExposureToCreditRiskLendingGuaranteesAndDocumentaryCredits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit risk with customers</link:label>
    <link:label id="lab_san_ExposureToCreditRiskLendingGuaranteesAndDocumentaryCredits_label_en-US" xlink:label="lab_san_ExposureToCreditRiskLendingGuaranteesAndDocumentaryCredits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Exposure To Credit Risk, Lending, Guarantees And Documentary Credits</link:label>
    <link:label id="lab_san_ExposureToCreditRiskLendingGuaranteesAndDocumentaryCredits_documentation_en-US" xlink:label="lab_san_ExposureToCreditRiskLendingGuaranteesAndDocumentaryCredits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount that represents exposure to credit risk for lending to customers, guarantees and documentary credits, which is less than the maximum exposure to credit risk.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ExposureToCreditRiskLendingGuaranteesAndDocumentaryCredits" xlink:href="san-20251231.xsd#san_ExposureToCreditRiskLendingGuaranteesAndDocumentaryCredits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ExposureToCreditRiskLendingGuaranteesAndDocumentaryCredits" xlink:to="lab_san_ExposureToCreditRiskLendingGuaranteesAndDocumentaryCredits" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MarginOfAReferencePortfolioMember_019ca0fb-cbee-70c7-b231-76a6f3441f33_terseLabel_en-US" xlink:label="lab_san_MarginOfAReferencePortfolioMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Margin Of A Reference Portfolio</link:label>
    <link:label id="lab_san_MarginOfAReferencePortfolioMember_label_en-US" xlink:label="lab_san_MarginOfAReferencePortfolioMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Margin Of A Reference Portfolio [Member]</link:label>
    <link:label id="lab_san_MarginOfAReferencePortfolioMember_documentation_en-US" xlink:label="lab_san_MarginOfAReferencePortfolioMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Margin Of A Reference Portfolio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MarginOfAReferencePortfolioMember" xlink:href="san-20251231.xsd#san_MarginOfAReferencePortfolioMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MarginOfAReferencePortfolioMember" xlink:to="lab_san_MarginOfAReferencePortfolioMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanSeventhCycleMember_019ca0fb-c94e-70bf-adbb-17b30c73b979_terseLabel_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanSeventhCycleMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred multiyear objectives variable remuneration plan seventh cycle</link:label>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanSeventhCycleMember_label_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanSeventhCycleMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Multiyear Objectives Variable Remuneration Plan Seventh Cycle [Member]</link:label>
    <link:label id="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanSeventhCycleMember_documentation_en-US" xlink:label="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanSeventhCycleMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Multiyear Objectives Variable Remuneration Plan Seventh Cycle</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DeferredMultiyearObjectivesVariableRemunerationPlanSeventhCycleMember" xlink:href="san-20251231.xsd#san_DeferredMultiyearObjectivesVariableRemunerationPlanSeventhCycleMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DeferredMultiyearObjectivesVariableRemunerationPlanSeventhCycleMember" xlink:to="lab_san_DeferredMultiyearObjectivesVariableRemunerationPlanSeventhCycleMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MarketableDebtSecuritiesAbstract_019ca0fb-ca4e-73c5-b160-5f6890f91d71_terseLabel_en-US" xlink:label="lab_san_MarketableDebtSecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Marketable Debt Securities [Abstract]</link:label>
    <link:label id="lab_san_MarketableDebtSecuritiesAbstract_label_en-US" xlink:label="lab_san_MarketableDebtSecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Marketable Debt Securities [Abstract]</link:label>
    <link:label id="lab_san_MarketableDebtSecuritiesAbstract_documentation_en-US" xlink:label="lab_san_MarketableDebtSecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">N/A.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MarketableDebtSecuritiesAbstract" xlink:href="san-20251231.xsd#san_MarketableDebtSecuritiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MarketableDebtSecuritiesAbstract" xlink:to="lab_san_MarketableDebtSecuritiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfShareholdersEquityTextBlock_019ca0fb-cad3-7921-b3cc-e8c767299160_terseLabel_en-US" xlink:label="lab_san_DisclosureOfShareholdersEquityTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shareholders' equity</link:label>
    <link:label id="lab_san_DisclosureOfShareholdersEquityTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfShareholdersEquityTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Shareholders' Equity [Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfShareholdersEquityTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfShareholdersEquityTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure for shareholders' equity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfShareholdersEquityTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfShareholdersEquityTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfShareholdersEquityTextBlock" xlink:to="lab_san_DisclosureOfShareholdersEquityTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DebtSecuritiesOtherMember_019ca0fb-cb6b-7d70-b958-8786c6db93fb_terseLabel_en-US" xlink:label="lab_san_DebtSecuritiesOtherMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other debt securities</link:label>
    <link:label id="lab_san_DebtSecuritiesOtherMember_label_en-US" xlink:label="lab_san_DebtSecuritiesOtherMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Other [Member]</link:label>
    <link:label id="lab_san_DebtSecuritiesOtherMember_documentation_en-US" xlink:label="lab_san_DebtSecuritiesOtherMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt Securities, Other</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DebtSecuritiesOtherMember" xlink:href="san-20251231.xsd#san_DebtSecuritiesOtherMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DebtSecuritiesOtherMember" xlink:to="lab_san_DebtSecuritiesOtherMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019_019ca0fb-cb6b-7264-a26b-e5f32a70b32f_terseLabel_en-US" xlink:label="lab_ifrs-full_WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Options exercised (in GBP per share)</link:label>
    <link:label id="lab_ifrs-full_WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019_label_en-US" xlink:label="lab_ifrs-full_WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted average exercise price of share options exercised in share-based payment arrangement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019" xlink:to="lab_ifrs-full_WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019" xlink:type="arc" order="1"/>
    <link:label id="lab_san_A2023ProgramSecondMember_019ca0fb-c9cd-71e3-a719-e36dd58817ab_terseLabel_en-US" xlink:label="lab_san_A2023ProgramSecondMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2023 Program, Second</link:label>
    <link:label id="lab_san_A2023ProgramSecondMember_label_en-US" xlink:label="lab_san_A2023ProgramSecondMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">2023 Program, Second [Member]</link:label>
    <link:label id="lab_san_A2023ProgramSecondMember_documentation_en-US" xlink:label="lab_san_A2023ProgramSecondMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">2023 Program, Second</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_A2023ProgramSecondMember" xlink:href="san-20251231.xsd#san_A2023ProgramSecondMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_A2023ProgramSecondMember" xlink:to="lab_san_A2023ProgramSecondMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CreditImpairedMember_019ca0fb-cbee-76ef-ab1a-bba2a20728e9_terseLabel_en-US" xlink:label="lab_san_CreditImpairedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit impaired</link:label>
    <link:label id="lab_san_CreditImpairedMember_label_en-US" xlink:label="lab_san_CreditImpairedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Impaired [Member]</link:label>
    <link:label id="lab_san_CreditImpairedMember_documentation_en-US" xlink:label="lab_san_CreditImpairedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for financial instruments measured at amortised cost and classified as doubtful, whether due to counterparty arrears or because there are reasonable doubts as to their repayment under the contractual terms. Financial instruments include, but are not limited to, financing receivables, loans, debt, and investments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CreditImpairedMember" xlink:href="san-20251231.xsd#san_CreditImpairedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CreditImpairedMember" xlink:to="lab_san_CreditImpairedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging_019ca0fb-cad3-7d40-bdad-b65d03beb138_terseLabel_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">HEDGING DERIVATIVES</link:label>
    <link:label id="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging_019ca0fb-cad3-7ac6-a0b1-5011d1169dbb_verboseLabel_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Hedging derivatives (liabilities)</link:label>
    <link:label id="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging_019ca0fb-cad3-76a6-a94c-a342fe152cd0_netLabel_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Hedging derivatives</link:label>
    <link:label id="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging_label_en-US" xlink:label="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative financial liabilities held for hedging</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" xlink:to="lab_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" xlink:type="arc" order="1"/>
    <link:label id="lab_san_BondsAndDebenturesOutstandingMember_019ca0fb-cb6b-7797-8055-c43f0b280399_terseLabel_en-US" xlink:label="lab_san_BondsAndDebenturesOutstandingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bonds and debentures outstanding</link:label>
    <link:label id="lab_san_BondsAndDebenturesOutstandingMember_label_en-US" xlink:label="lab_san_BondsAndDebenturesOutstandingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Bonds And Debentures Outstanding [Member]</link:label>
    <link:label id="lab_san_BondsAndDebenturesOutstandingMember_documentation_en-US" xlink:label="lab_san_BondsAndDebenturesOutstandingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents bonds and debentures outstanding.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_BondsAndDebenturesOutstandingMember" xlink:href="san-20251231.xsd#san_BondsAndDebenturesOutstandingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_BondsAndDebenturesOutstandingMember" xlink:to="lab_san_BondsAndDebenturesOutstandingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_019ca0fb-cad3-7982-9c65-27a91fb4cd36_terseLabel_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial assets at amortized cost</link:label>
    <link:label id="lab_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember_label_en-US" xlink:label="lab_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial assets at amortised cost, category [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember" xlink:to="lab_ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_SubordinatedLiabilitiesNetInclusionOfEntities_019ca0fb-cb6b-7a64-8152-f2f2ab73f3b7_negatedTerseLabel_en-US" xlink:label="lab_san_SubordinatedLiabilitiesNetInclusionOfEntities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Net inclusion of entities in the Group</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesNetInclusionOfEntities_label_en-US" xlink:label="lab_san_SubordinatedLiabilitiesNetInclusionOfEntities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Liabilities, Net Inclusion Of Entities</link:label>
    <link:label id="lab_san_SubordinatedLiabilitiesNetInclusionOfEntities_documentation_en-US" xlink:label="lab_san_SubordinatedLiabilitiesNetInclusionOfEntities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Liabilities, Net Inclusion Of Entities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_SubordinatedLiabilitiesNetInclusionOfEntities" xlink:href="san-20251231.xsd#san_SubordinatedLiabilitiesNetInclusionOfEntities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_SubordinatedLiabilitiesNetInclusionOfEntities" xlink:to="lab_san_SubordinatedLiabilitiesNetInclusionOfEntities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ParValuePerShare_019ca0fb-c94e-755a-b72e-322804f0879b_terseLabel_en-US" xlink:label="lab_ifrs-full_ParValuePerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nominal value per share (in euro per share)</link:label>
    <link:label id="lab_ifrs-full_ParValuePerShare_label_en-US" xlink:label="lab_ifrs-full_ParValuePerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Par value per share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ParValuePerShare" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ParValuePerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ParValuePerShare" xlink:to="lab_ifrs-full_ParValuePerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleTable_019ca0fb-c9cd-717b-990a-9dea5252365f_terseLabel_en-US" xlink:label="lab_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets And Liabilities Classified As Held For Sale [Table]</link:label>
    <link:label id="lab_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleTable_label_en-US" xlink:label="lab_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets And Liabilities Classified As Held For Sale [Table]</link:label>
    <link:label id="lab_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleTable_documentation_en-US" xlink:label="lab_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Schedule reflecting gains or losses on assets held for sale not classified as discontinued operations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleTable" xlink:href="san-20251231.xsd#san_AssetsAndLiabilitiesClassifiedAsHeldForSaleTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleTable" xlink:to="lab_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_UnsettledFinancialTransactionsLiability_019ca0fb-c9cd-7925-a891-1dfe421dd7bf_terseLabel_en-US" xlink:label="lab_san_UnsettledFinancialTransactionsLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unsettled financial transactions</link:label>
    <link:label id="lab_san_UnsettledFinancialTransactionsLiability_label_en-US" xlink:label="lab_san_UnsettledFinancialTransactionsLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unsettled Financial Transactions Liability</link:label>
    <link:label id="lab_san_UnsettledFinancialTransactionsLiability_documentation_en-US" xlink:label="lab_san_UnsettledFinancialTransactionsLiability" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of unsettled financial transactions recognized as a liability.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_UnsettledFinancialTransactionsLiability" xlink:href="san-20251231.xsd#san_UnsettledFinancialTransactionsLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_UnsettledFinancialTransactionsLiability" xlink:to="lab_san_UnsettledFinancialTransactionsLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsExplanatory_019ca0fb-ca4e-7b6e-bbd5-43be1c14949c_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of maturity analysis of operating lease payments</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of maturity analysis of operating lease payments [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DepositLiability_019ca0fb-cb6b-7b89-a200-bf5a4a9cedd1_terseLabel_en-US" xlink:label="lab_san_DepositLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits</link:label>
    <link:label id="lab_san_DepositLiability_label_en-US" xlink:label="lab_san_DepositLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposit Liability</link:label>
    <link:label id="lab_san_DepositLiability_documentation_en-US" xlink:label="lab_san_DepositLiability" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of liability for deposits held by the entity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DepositLiability" xlink:href="san-20251231.xsd#san_DepositLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DepositLiability" xlink:to="lab_san_DepositLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AmendmentFlag_019ca0fb-cc70-71dd-8f3e-85bb67bd273a_terseLabel_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amendment Flag</link:label>
    <link:label id="lab_dei_AmendmentFlag_label_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amendment Flag</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_AmendmentFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AmendmentFlag" xlink:to="lab_dei_AmendmentFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NetStableFundingRatio_019ca0fb-cb6b-7048-85ab-77f1ad8de19c_terseLabel_en-US" xlink:label="lab_san_NetStableFundingRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">NSFR ratio (%)</link:label>
    <link:label id="lab_san_NetStableFundingRatio_label_en-US" xlink:label="lab_san_NetStableFundingRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Stable Funding Ratio</link:label>
    <link:label id="lab_san_NetStableFundingRatio_documentation_en-US" xlink:label="lab_san_NetStableFundingRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net Stable Funding Ratio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NetStableFundingRatio" xlink:href="san-20251231.xsd#san_NetStableFundingRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NetStableFundingRatio" xlink:to="lab_san_NetStableFundingRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ExpenseOfRestructuringActivities_019d250b-c9e6-7b27-8f33-860584598083_terseLabel_en-US" xlink:label="lab_ifrs-full_ExpenseOfRestructuringActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expense of restructuring activities</link:label>
    <link:label id="lab_ifrs-full_ExpenseOfRestructuringActivities_label_en-US" xlink:label="lab_ifrs-full_ExpenseOfRestructuringActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Expense of restructuring activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ExpenseOfRestructuringActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ExpenseOfRestructuringActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ExpenseOfRestructuringActivities" xlink:to="lab_ifrs-full_ExpenseOfRestructuringActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_SeparateManagementEntitiesDomain_019ca0fb-cb6b-750c-99dd-b124229258bd_terseLabel_en-US" xlink:label="lab_ifrs-full_SeparateManagementEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Separate management entities [domain]</link:label>
    <link:label id="lab_ifrs-full_SeparateManagementEntitiesDomain_label_en-US" xlink:label="lab_ifrs-full_SeparateManagementEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Separate management entities [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_SeparateManagementEntitiesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_SeparateManagementEntitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_SeparateManagementEntitiesDomain" xlink:to="lab_ifrs-full_SeparateManagementEntitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember_019ca0fb-cbee-74ee-92a2-b1294bbdac00_terseLabel_en-US" xlink:label="lab_san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Central banks and credit institutions</link:label>
    <link:label id="lab_san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember_label_en-US" xlink:label="lab_san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans And Advances, Central Banks And Credit Institutions [Member]</link:label>
    <link:label id="lab_san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember_documentation_en-US" xlink:label="lab_san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to loans and advances from central banks and credit institutions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember" xlink:href="san-20251231.xsd#san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember" xlink:to="lab_san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedIncomeStatementsCaptionsLineItems_019ca0fb-c9cd-7249-9f9d-82675fbc7806_terseLabel_en-US" xlink:label="lab_srt_CondensedIncomeStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Income Statements, Captions [Line Items]</link:label>
    <link:label id="lab_srt_CondensedIncomeStatementsCaptionsLineItems_label_en-US" xlink:label="lab_srt_CondensedIncomeStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Income Statements, Captions [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedIncomeStatementsCaptionsLineItems" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CondensedIncomeStatementsCaptionsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems" xlink:to="lab_srt_CondensedIncomeStatementsCaptionsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfNoncontrollingInterestsExplanatory_019ca0fb-ca4e-707a-94eb-04beac19a017_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfNoncontrollingInterestsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-controlling interests</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfNoncontrollingInterestsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfNoncontrollingInterestsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of non-controlling interests [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfNoncontrollingInterestsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfNoncontrollingInterestsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfNoncontrollingInterestsExplanatory" xlink:to="lab_ifrs-full_DisclosureOfNoncontrollingInterestsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory_019ca0fb-c9cd-79d6-9e57-d833b25384a4_terseLabel_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Post-employment benefits, other long-term employee benefits and termination benefits</link:label>
    <link:label id="lab_ifrs-full_DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory_label_en-US" xlink:label="lab_ifrs-full_DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description of accounting policy for employee benefits [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory" xlink:to="lab_ifrs-full_DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterestsMember_019ca0fb-ca4e-7cdd-a83e-fada0a879555_terseLabel_en-US" xlink:label="lab_san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterestsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-controlling interest, other comprehensive income</link:label>
    <link:label id="lab_san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterestsMember_label_en-US" xlink:label="lab_san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterestsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income Attributable To Non-controlling Interests [Member]</link:label>
    <link:label id="lab_san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterestsMember_documentation_en-US" xlink:label="lab_san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterestsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for accumulated other comprehensive income in a subsidiary not attributable, directly or indirectly, to the parent. References</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterestsMember" xlink:href="san-20251231.xsd#san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterestsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterestsMember" xlink:to="lab_san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterestsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ReserveForEquityMethodInvestments_019ca0fb-ca4e-78b3-98a0-1de249892787_verboseLabel_en-US" xlink:label="lab_san_ReserveForEquityMethodInvestments" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Reserves of entities accounted for using the equity method</link:label>
    <link:label id="lab_san_ReserveForEquityMethodInvestments_label_en-US" xlink:label="lab_san_ReserveForEquityMethodInvestments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reserve For Equity Method Investments</link:label>
    <link:label id="lab_san_ReserveForEquityMethodInvestments_documentation_en-US" xlink:label="lab_san_ReserveForEquityMethodInvestments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A component of equity representing reserves of entities accounted for using the equity method.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ReserveForEquityMethodInvestments" xlink:href="san-20251231.xsd#san_ReserveForEquityMethodInvestments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ReserveForEquityMethodInvestments" xlink:to="lab_san_ReserveForEquityMethodInvestments" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DisclosureOfOtherOperatingIncomeExpenseTableTextBlock_019ca0fb-cbee-7e44-96ee-cc3acfee4396_terseLabel_en-US" xlink:label="lab_san_DisclosureOfOtherOperatingIncomeExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of other operating income and other operating expenses</link:label>
    <link:label id="lab_san_DisclosureOfOtherOperatingIncomeExpenseTableTextBlock_label_en-US" xlink:label="lab_san_DisclosureOfOtherOperatingIncomeExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure Of Other Operating Income Expense [Table Text Block]</link:label>
    <link:label id="lab_san_DisclosureOfOtherOperatingIncomeExpenseTableTextBlock_documentation_en-US" xlink:label="lab_san_DisclosureOfOtherOperatingIncomeExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The tabular disclosure of other operating income or expense.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DisclosureOfOtherOperatingIncomeExpenseTableTextBlock" xlink:href="san-20251231.xsd#san_DisclosureOfOtherOperatingIncomeExpenseTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DisclosureOfOtherOperatingIncomeExpenseTableTextBlock" xlink:to="lab_san_DisclosureOfOtherOperatingIncomeExpenseTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ShareBuybackProgramAxis_019ca0fb-cb6b-7801-a0a4-fbefc7d94299_terseLabel_en-US" xlink:label="lab_san_ShareBuybackProgramAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share Buyback Program [Axis]</link:label>
    <link:label id="lab_san_ShareBuybackProgramAxis_label_en-US" xlink:label="lab_san_ShareBuybackProgramAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Buyback Program [Axis]</link:label>
    <link:label id="lab_san_ShareBuybackProgramAxis_documentation_en-US" xlink:label="lab_san_ShareBuybackProgramAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share Buyback Program</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ShareBuybackProgramAxis" xlink:href="san-20251231.xsd#san_ShareBuybackProgramAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ShareBuybackProgramAxis" xlink:to="lab_san_ShareBuybackProgramAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DepositsFromCentralBanksAndCreditInstitutionsAbstract_019ca0fb-cc70-76fd-b95a-2645a6ad5210_terseLabel_en-US" xlink:label="lab_san_DepositsFromCentralBanksAndCreditInstitutionsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits from central banks and credit institutions</link:label>
    <link:label id="lab_san_DepositsFromCentralBanksAndCreditInstitutionsAbstract_label_en-US" xlink:label="lab_san_DepositsFromCentralBanksAndCreditInstitutionsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits From Central Banks And Credit Institutions [Abstract]</link:label>
    <link:label id="lab_san_DepositsFromCentralBanksAndCreditInstitutionsAbstract_documentation_en-US" xlink:label="lab_san_DepositsFromCentralBanksAndCreditInstitutionsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deposits From Banks [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DepositsFromCentralBanksAndCreditInstitutionsAbstract" xlink:href="san-20251231.xsd#san_DepositsFromCentralBanksAndCreditInstitutionsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DepositsFromCentralBanksAndCreditInstitutionsAbstract" xlink:to="lab_san_DepositsFromCentralBanksAndCreditInstitutionsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_CommonEquityTierOneCapitalRatioGlobalSystemicallyImportantEntity_019ca0fb-cb6b-7b9a-90cd-fdf3421f7039_terseLabel_en-US" xlink:label="lab_san_CommonEquityTierOneCapitalRatioGlobalSystemicallyImportantEntity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Globally systemically important entity percentage</link:label>
    <link:label id="lab_san_CommonEquityTierOneCapitalRatioGlobalSystemicallyImportantEntity_label_en-US" xlink:label="lab_san_CommonEquityTierOneCapitalRatioGlobalSystemicallyImportantEntity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Equity Tier One Capital Ratio, Global Systemically Important Entity</link:label>
    <link:label id="lab_san_CommonEquityTierOneCapitalRatioGlobalSystemicallyImportantEntity_documentation_en-US" xlink:label="lab_san_CommonEquityTierOneCapitalRatioGlobalSystemicallyImportantEntity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Additional percentage of Common Equity Tier One Risk-based Capital to total risk-weighted assets required for an entity defined as a systemically important financial institution (SIFI), as defined by regulatory framework.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_CommonEquityTierOneCapitalRatioGlobalSystemicallyImportantEntity" xlink:href="san-20251231.xsd#san_CommonEquityTierOneCapitalRatioGlobalSystemicallyImportantEntity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_CommonEquityTierOneCapitalRatioGlobalSystemicallyImportantEntity" xlink:to="lab_san_CommonEquityTierOneCapitalRatioGlobalSystemicallyImportantEntity" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_019ca0fb-cbee-72d7-b2f1-77c3d41b5e41_terseLabel_en-US" xlink:label="lab_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Temporary difference, unused tax losses and unused tax credits [axis]</link:label>
    <link:label id="lab_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis_label_en-US" xlink:label="lab_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Temporary difference, unused tax losses and unused tax credits [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis" xlink:to="lab_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_MethodOfAssessmentOfExpectedCreditLossesDomain_019ca0fb-cbee-70fa-8ba7-32144a97399c_terseLabel_en-US" xlink:label="lab_ifrs-full_MethodOfAssessmentOfExpectedCreditLossesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Method of assessment of expected credit losses [domain]</link:label>
    <link:label id="lab_ifrs-full_MethodOfAssessmentOfExpectedCreditLossesDomain_label_en-US" xlink:label="lab_ifrs-full_MethodOfAssessmentOfExpectedCreditLossesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Method of assessment of expected credit losses [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_MethodOfAssessmentOfExpectedCreditLossesDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_MethodOfAssessmentOfExpectedCreditLossesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_MethodOfAssessmentOfExpectedCreditLossesDomain" xlink:to="lab_ifrs-full_MethodOfAssessmentOfExpectedCreditLossesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet_019ca0fb-cad3-7e46-a9ad-431808c260f9_terseLabel_en-US" xlink:label="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net</link:label>
    <link:label id="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet_019ca0fb-cad3-7626-900f-052cdc999172_totalLabel_en-US" xlink:label="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net</link:label>
    <link:label id="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet_label_en-US" xlink:label="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gains Losses On Financial Assets And Liabilities Not Measured At Fair Value Through Profit Or Loss Net</link:label>
    <link:label id="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet_documentation_en-US" xlink:label="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net amount of gains or losses on financial assets and liabilities not measured at fair value through profit or loss, net.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet" xlink:href="san-20251231.xsd#san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet" xlink:to="lab_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability_019ca0fb-cad3-78b1-b8c4-e2b8165560a1_terseLabel_en-US" xlink:label="lab_ifrs-full_AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount of DVA</link:label>
    <link:label id="lab_ifrs-full_AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability_label_en-US" xlink:label="lab_ifrs-full_AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated increase (decrease) in fair value of financial liability, attributable to changes in credit risk of liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" xlink:to="lab_ifrs-full_AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MarketValueOfEquityMember_019ca0fb-cad3-77d0-8277-6bb3257adb52_terseLabel_en-US" xlink:label="lab_san_MarketValueOfEquityMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity risk</link:label>
    <link:label id="lab_san_MarketValueOfEquityMember_label_en-US" xlink:label="lab_san_MarketValueOfEquityMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Market Value Of Equity [Member]</link:label>
    <link:label id="lab_san_MarketValueOfEquityMember_documentation_en-US" xlink:label="lab_san_MarketValueOfEquityMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the type of risk that the fair value or future cash flows of a financial instrument will fluctuate because of changes in market interest rates that affect the market value of equity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MarketValueOfEquityMember" xlink:href="san-20251231.xsd#san_MarketValueOfEquityMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MarketValueOfEquityMember" xlink:to="lab_san_MarketValueOfEquityMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_InterestRateAndExchangeRateRiskMember_019ca0fb-c94e-78b6-9aa0-0d66f3cd214c_terseLabel_en-US" xlink:label="lab_san_InterestRateAndExchangeRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate and exchange rate risk</link:label>
    <link:label id="lab_san_InterestRateAndExchangeRateRiskMember_019ca0fb-c94e-7961-a1e0-a6214ea03f66_verboseLabel_en-US" xlink:label="lab_san_InterestRateAndExchangeRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Interest rate and exchange rate risk</link:label>
    <link:label id="lab_san_InterestRateAndExchangeRateRiskMember_label_en-US" xlink:label="lab_san_InterestRateAndExchangeRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate And Exchange Rate Risk [Member]</link:label>
    <link:label id="lab_san_InterestRateAndExchangeRateRiskMember_documentation_en-US" xlink:label="lab_san_InterestRateAndExchangeRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to risks related to interest rates and exchange rates/currency.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_InterestRateAndExchangeRateRiskMember" xlink:href="san-20251231.xsd#san_InterestRateAndExchangeRateRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_InterestRateAndExchangeRateRiskMember" xlink:to="lab_san_InterestRateAndExchangeRateRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AssignedThirdPartyCommissionsCardsExpense_019ca0fb-c94e-7d4b-a42a-277bff81b97a_terseLabel_en-US" xlink:label="lab_san_AssignedThirdPartyCommissionsCardsExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cards</link:label>
    <link:label id="lab_san_AssignedThirdPartyCommissionsCardsExpense_label_en-US" xlink:label="lab_san_AssignedThirdPartyCommissionsCardsExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assigned Third Party Commissions Cards Expense</link:label>
    <link:label id="lab_san_AssignedThirdPartyCommissionsCardsExpense_documentation_en-US" xlink:label="lab_san_AssignedThirdPartyCommissionsCardsExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of commissions assigned to third parties from cards.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AssignedThirdPartyCommissionsCardsExpense" xlink:href="san-20251231.xsd#san_AssignedThirdPartyCommissionsCardsExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AssignedThirdPartyCommissionsCardsExpense" xlink:to="lab_san_AssignedThirdPartyCommissionsCardsExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember_019ca0fb-cb6b-7676-a81b-0669db4a2bd5_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">One&#160;to&#160;three months</link:label>
    <link:label id="lab_ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember_019ca0fb-cb6b-7450-b488-6d50417456e5_netLabel_en-US" xlink:label="lab_ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">1 to 3 months</link:label>
    <link:label id="lab_ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Later than one month and not later than three months [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember" xlink:to="lab_ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfProfitDistributionLineItems_019ca0fb-c9cd-752e-a655-179bb8b480ff_terseLabel_en-US" xlink:label="lab_san_ScheduleOfProfitDistributionLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Profit Distribution [Line Items]</link:label>
    <link:label id="lab_san_ScheduleOfProfitDistributionLineItems_label_en-US" xlink:label="lab_san_ScheduleOfProfitDistributionLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Profit Distribution [Line Items]</link:label>
    <link:label id="lab_san_ScheduleOfProfitDistributionLineItems_documentation_en-US" xlink:label="lab_san_ScheduleOfProfitDistributionLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Profit Distribution [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfProfitDistributionLineItems" xlink:href="san-20251231.xsd#san_ScheduleOfProfitDistributionLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfProfitDistributionLineItems" xlink:to="lab_san_ScheduleOfProfitDistributionLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IndexAndSecuritiesOptionsMember_019ca0fb-ca4e-7eef-b308-b8eaf1a3619b_terseLabel_en-US" xlink:label="lab_san_IndexAndSecuritiesOptionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Index and securities options</link:label>
    <link:label id="lab_san_IndexAndSecuritiesOptionsMember_label_en-US" xlink:label="lab_san_IndexAndSecuritiesOptionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Index And Securities Options [Member]</link:label>
    <link:label id="lab_san_IndexAndSecuritiesOptionsMember_documentation_en-US" xlink:label="lab_san_IndexAndSecuritiesOptionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for index and securities options.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IndexAndSecuritiesOptionsMember" xlink:href="san-20251231.xsd#san_IndexAndSecuritiesOptionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IndexAndSecuritiesOptionsMember" xlink:to="lab_san_IndexAndSecuritiesOptionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProvisionForDefinedBenefits_019ca0fb-cad3-7e16-a091-5d2ac397fddb_terseLabel_en-US" xlink:label="lab_san_ProvisionForDefinedBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions for defined benefits</link:label>
    <link:label id="lab_san_ProvisionForDefinedBenefits_label_en-US" xlink:label="lab_san_ProvisionForDefinedBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provision For Defined Benefits</link:label>
    <link:label id="lab_san_ProvisionForDefinedBenefits_documentation_en-US" xlink:label="lab_san_ProvisionForDefinedBenefits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Provisions for defined benefits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProvisionForDefinedBenefits" xlink:href="san-20251231.xsd#san_ProvisionForDefinedBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProvisionForDefinedBenefits" xlink:to="lab_san_ProvisionForDefinedBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DefinedBenefitObligationPensionableBaseBasisNumberOfPreviousBonuses_019ca0fb-cad3-7149-bde6-bc6d6d08b13c_terseLabel_en-US" xlink:label="lab_san_DefinedBenefitObligationPensionableBaseBasisNumberOfPreviousBonuses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pensionable base, expressed as a percent of fixed, number of previous bonuses</link:label>
    <link:label id="lab_san_DefinedBenefitObligationPensionableBaseBasisNumberOfPreviousBonuses_label_en-US" xlink:label="lab_san_DefinedBenefitObligationPensionableBaseBasisNumberOfPreviousBonuses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Obligation, Pensionable Base, Basis, Number Of Previous Bonuses</link:label>
    <link:label id="lab_san_DefinedBenefitObligationPensionableBaseBasisNumberOfPreviousBonuses_documentation_en-US" xlink:label="lab_san_DefinedBenefitObligationPensionableBaseBasisNumberOfPreviousBonuses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Obligation, Pensionable Base, Basis, Number Of Previous Bonuses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DefinedBenefitObligationPensionableBaseBasisNumberOfPreviousBonuses" xlink:href="san-20251231.xsd#san_DefinedBenefitObligationPensionableBaseBasisNumberOfPreviousBonuses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DefinedBenefitObligationPensionableBaseBasisNumberOfPreviousBonuses" xlink:to="lab_san_DefinedBenefitObligationPensionableBaseBasisNumberOfPreviousBonuses" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_HedgedItemAssets_019ca0fb-ca4e-7df3-895a-dce63b378638_terseLabel_en-US" xlink:label="lab_ifrs-full_HedgedItemAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying amount of hedged items - Assets</link:label>
    <link:label id="lab_ifrs-full_HedgedItemAssets_label_en-US" xlink:label="lab_ifrs-full_HedgedItemAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedged item, assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_HedgedItemAssets" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_HedgedItemAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_HedgedItemAssets" xlink:to="lab_ifrs-full_HedgedItemAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ForeclosedPropertiesAbstract_019ca0fb-cad3-7547-9d74-a616c69fe5cb_terseLabel_en-US" xlink:label="lab_san_ForeclosedPropertiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets foreclosed</link:label>
    <link:label id="lab_san_ForeclosedPropertiesAbstract_label_en-US" xlink:label="lab_san_ForeclosedPropertiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreclosed Properties [Abstract]</link:label>
    <link:label id="lab_san_ForeclosedPropertiesAbstract_documentation_en-US" xlink:label="lab_san_ForeclosedPropertiesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">No definition available.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ForeclosedPropertiesAbstract" xlink:href="san-20251231.xsd#san_ForeclosedPropertiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ForeclosedPropertiesAbstract" xlink:to="lab_san_ForeclosedPropertiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IssuanceByBancoSantanderBrasilInSeptember2024Member_019ca0fb-cc70-79be-9579-ef7fa413aff5_terseLabel_en-US" xlink:label="lab_san_IssuanceByBancoSantanderBrasilInSeptember2024Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance by Banco Santander Brasil in September 2024</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderBrasilInSeptember2024Member_label_en-US" xlink:label="lab_san_IssuanceByBancoSantanderBrasilInSeptember2024Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander Brasil In September 2024 [Member]</link:label>
    <link:label id="lab_san_IssuanceByBancoSantanderBrasilInSeptember2024Member_documentation_en-US" xlink:label="lab_san_IssuanceByBancoSantanderBrasilInSeptember2024Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Issuance By Banco Santander Brasil In September 2024</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IssuanceByBancoSantanderBrasilInSeptember2024Member" xlink:href="san-20251231.xsd#san_IssuanceByBancoSantanderBrasilInSeptember2024Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IssuanceByBancoSantanderBrasilInSeptember2024Member" xlink:to="lab_san_IssuanceByBancoSantanderBrasilInSeptember2024Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PreviouslyStatedMember_019ca0fb-ca4e-7e26-a3c6-6ddad09e15ca_terseLabel_en-US" xlink:label="lab_ifrs-full_PreviouslyStatedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Previously stated</link:label>
    <link:label id="lab_ifrs-full_PreviouslyStatedMember_label_en-US" xlink:label="lab_ifrs-full_PreviouslyStatedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Previously stated [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PreviouslyStatedMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PreviouslyStatedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PreviouslyStatedMember" xlink:to="lab_ifrs-full_PreviouslyStatedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ConsolidatedEntitiesAxis_019ca0fb-c9cd-7c41-a3e2-c249a98ed670_terseLabel_en-US" xlink:label="lab_srt_ConsolidatedEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Axis]</link:label>
    <link:label id="lab_srt_ConsolidatedEntitiesAxis_label_en-US" xlink:label="lab_srt_ConsolidatedEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ConsolidatedEntitiesAxis" xlink:to="lab_srt_ConsolidatedEntitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentSustainabilityMetricAchievementRate_019ca0fb-c94e-7c91-87e6-b2c11f1759c0_terseLabel_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentSustainabilityMetricAchievementRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sustainability metric, achievement rate</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentSustainabilityMetricAchievementRate_label_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentSustainabilityMetricAchievementRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Sustainability Metric, Achievement Rate</link:label>
    <link:label id="lab_san_VariableRemunerationDeferredPaymentSustainabilityMetricAchievementRate_documentation_en-US" xlink:label="lab_san_VariableRemunerationDeferredPaymentSustainabilityMetricAchievementRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Remuneration, Deferred Payment, Sustainability Metric, Achievement Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_VariableRemunerationDeferredPaymentSustainabilityMetricAchievementRate" xlink:href="san-20251231.xsd#san_VariableRemunerationDeferredPaymentSustainabilityMetricAchievementRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_VariableRemunerationDeferredPaymentSustainabilityMetricAchievementRate" xlink:to="lab_san_VariableRemunerationDeferredPaymentSustainabilityMetricAchievementRate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IFRSEuropeanUnionMember_019ca0fb-c9cd-76ad-be69-1d584e28fc68_terseLabel_en-US" xlink:label="lab_san_IFRSEuropeanUnionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">European Union</link:label>
    <link:label id="lab_san_IFRSEuropeanUnionMember_label_en-US" xlink:label="lab_san_IFRSEuropeanUnionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IFRS European Union [Member]</link:label>
    <link:label id="lab_san_IFRSEuropeanUnionMember_documentation_en-US" xlink:label="lab_san_IFRSEuropeanUnionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Economic and political union of member states, located primarily in Europe.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IFRSEuropeanUnionMember" xlink:href="san-20251231.xsd#san_IFRSEuropeanUnionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IFRSEuropeanUnionMember" xlink:to="lab_san_IFRSEuropeanUnionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_LaterThanTenYearsMember_019ca0fb-c9cd-7a3b-87aa-19e063af71d1_terseLabel_en-US" xlink:label="lab_ifrs-full_LaterThanTenYearsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">More than 10 years</link:label>
    <link:label id="lab_ifrs-full_LaterThanTenYearsMember_label_en-US" xlink:label="lab_ifrs-full_LaterThanTenYearsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Later than ten years [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_LaterThanTenYearsMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_LaterThanTenYearsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_LaterThanTenYearsMember" xlink:to="lab_ifrs-full_LaterThanTenYearsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansAndAdvancesToCentralBanksAndCreditInstitutionsAbstract_019ca0fb-cb6b-71aa-b9b2-67622f95ee0d_terseLabel_en-US" xlink:label="lab_san_LoansAndAdvancesToCentralBanksAndCreditInstitutionsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances to central banks and credit institutions</link:label>
    <link:label id="lab_san_LoansAndAdvancesToCentralBanksAndCreditInstitutionsAbstract_label_en-US" xlink:label="lab_san_LoansAndAdvancesToCentralBanksAndCreditInstitutionsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans And Advances To Central Banks And Credit Institutions [Abstract]</link:label>
    <link:label id="lab_san_LoansAndAdvancesToCentralBanksAndCreditInstitutionsAbstract_documentation_en-US" xlink:label="lab_san_LoansAndAdvancesToCentralBanksAndCreditInstitutionsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans and Advances to Banks [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansAndAdvancesToCentralBanksAndCreditInstitutionsAbstract" xlink:href="san-20251231.xsd#san_LoansAndAdvancesToCentralBanksAndCreditInstitutionsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansAndAdvancesToCentralBanksAndCreditInstitutionsAbstract" xlink:to="lab_san_LoansAndAdvancesToCentralBanksAndCreditInstitutionsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageOfReasonablyPossibleAppreciationOfEntitysFunctionalCurrency_019ca0fb-cad3-7834-a3a2-27dc76f7a614_terseLabel_en-US" xlink:label="lab_san_PercentageOfReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Appreciation variation (as a percent)</link:label>
    <link:label id="lab_san_PercentageOfReasonablyPossibleAppreciationOfEntitysFunctionalCurrency_label_en-US" xlink:label="lab_san_PercentageOfReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Reasonably Possible Appreciation Of Entity's Functional Currency</link:label>
    <link:label id="lab_san_PercentageOfReasonablyPossibleAppreciationOfEntitysFunctionalCurrency_documentation_en-US" xlink:label="lab_san_PercentageOfReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The reasonably possible percentage of the appreciation of entity's functional currency used to determine effect on the consolidated equity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageOfReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" xlink:href="san-20251231.xsd#san_PercentageOfReasonablyPossibleAppreciationOfEntitysFunctionalCurrency"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageOfReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" xlink:to="lab_san_PercentageOfReasonablyPossibleAppreciationOfEntitysFunctionalCurrency" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ScheduleOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTableTextBlock_019ca0fb-c9cd-782a-afc1-9b83e7eaa516_terseLabel_en-US" xlink:label="lab_san_ScheduleOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Detail of gains (losses) on disposal of assets not classified as non-current assets held for sale</link:label>
    <link:label id="lab_san_ScheduleOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTableTextBlock_label_en-US" xlink:label="lab_san_ScheduleOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Gains (Losses) On Disposal Of Assets Not Classified As Non-Current Assets Held For Sale [Table Text Block]</link:label>
    <link:label id="lab_san_ScheduleOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTableTextBlock_documentation_en-US" xlink:label="lab_san_ScheduleOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The tabular disclosure of gains (losses) on disposal of assets not classified as held for sale.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ScheduleOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTableTextBlock" xlink:href="san-20251231.xsd#san_ScheduleOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ScheduleOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTableTextBlock" xlink:to="lab_san_ScheduleOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AntonioFrancescoWeissMember_019ca0fb-cad3-7a51-959a-a8110f957baa_terseLabel_en-US" xlink:label="lab_san_AntonioFrancescoWeissMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Antonio Weiss</link:label>
    <link:label id="lab_san_AntonioFrancescoWeissMember_label_en-US" xlink:label="lab_san_AntonioFrancescoWeissMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Antonio Francesco Weiss [Member]</link:label>
    <link:label id="lab_san_AntonioFrancescoWeissMember_documentation_en-US" xlink:label="lab_san_AntonioFrancescoWeissMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Antonio Francesco Weiss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AntonioFrancescoWeissMember" xlink:href="san-20251231.xsd#san_AntonioFrancescoWeissMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AntonioFrancescoWeissMember" xlink:to="lab_san_AntonioFrancescoWeissMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AdditionalProvisionsOtherProvisions_019ca0fb-ca4e-7e18-a660-6b3b311255e3_terseLabel_en-US" xlink:label="lab_ifrs-full_AdditionalProvisionsOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additional provisions charged to income statement</link:label>
    <link:label id="lab_ifrs-full_AdditionalProvisionsOtherProvisions_label_en-US" xlink:label="lab_ifrs-full_AdditionalProvisionsOtherProvisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional provisions, other provisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AdditionalProvisionsOtherProvisions" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AdditionalProvisionsOtherProvisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AdditionalProvisionsOtherProvisions" xlink:to="lab_ifrs-full_AdditionalProvisionsOtherProvisions" xlink:type="arc" order="1"/>
    <link:label id="lab_san_UnusedTaxLossesAndTaxCreditsMember_019ca0fb-cad3-76dd-914e-e9e721f5f83f_terseLabel_en-US" xlink:label="lab_san_UnusedTaxLossesAndTaxCreditsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax losses and tax credits</link:label>
    <link:label id="lab_san_UnusedTaxLossesAndTaxCreditsMember_label_en-US" xlink:label="lab_san_UnusedTaxLossesAndTaxCreditsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unused Tax Losses And Tax Credits [Member]</link:label>
    <link:label id="lab_san_UnusedTaxLossesAndTaxCreditsMember_documentation_en-US" xlink:label="lab_san_UnusedTaxLossesAndTaxCreditsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for tax losses and credits that have been incurred and are carried forward for use against future taxable profit.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_UnusedTaxLossesAndTaxCreditsMember" xlink:href="san-20251231.xsd#san_UnusedTaxLossesAndTaxCreditsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_UnusedTaxLossesAndTaxCreditsMember" xlink:to="lab_san_UnusedTaxLossesAndTaxCreditsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability_019ca0fb-c9cd-7fb3-86b9-c92f0155d6db_terseLabel_en-US" xlink:label="lab_ifrs-full_ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in the fair value of financial liabilities measured at fair value through profit or loss attributable to changes in credit risk</link:label>
    <link:label id="lab_ifrs-full_ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability_label_en-US" xlink:label="lab_ifrs-full_ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reserve of change in fair value of financial liability attributable to change in credit risk of liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" xlink:to="lab_ifrs-full_ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks_019ca0fb-cbee-7fe2-822e-41634fddde0c_terseLabel_en-US" xlink:label="lab_san_ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision (release) of provision corresponding to results from commitments and contingent risks</link:label>
    <link:label id="lab_san_ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks_label_en-US" xlink:label="lab_san_ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provision (Release) Corresponding To Results From Commitments And Contingent Risks</link:label>
    <link:label id="lab_san_ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks_documentation_en-US" xlink:label="lab_san_ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Provision (Release) Corresponding To Results From Commitments And Contingent Risks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks" xlink:href="san-20251231.xsd#san_ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks" xlink:to="lab_san_ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ActuarialAssumptionOfGrowthMember_019ca0fb-c9cd-7438-8889-a9d7712c31f1_terseLabel_en-US" xlink:label="lab_san_ActuarialAssumptionOfGrowthMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actuarial assumption of growth</link:label>
    <link:label id="lab_san_ActuarialAssumptionOfGrowthMember_label_en-US" xlink:label="lab_san_ActuarialAssumptionOfGrowthMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Actuarial Assumption Of Growth [Member]</link:label>
    <link:label id="lab_san_ActuarialAssumptionOfGrowthMember_documentation_en-US" xlink:label="lab_san_ActuarialAssumptionOfGrowthMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Actuarial Assumption Of Growth</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ActuarialAssumptionOfGrowthMember" xlink:href="san-20251231.xsd#san_ActuarialAssumptionOfGrowthMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ActuarialAssumptionOfGrowthMember" xlink:to="lab_san_ActuarialAssumptionOfGrowthMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfBusinessLinesCommercialSegment_019ca0fb-c94e-7b81-a6d5-c59e119f6abc_terseLabel_en-US" xlink:label="lab_san_NumberOfBusinessLinesCommercialSegment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of business lines, commercial segment</link:label>
    <link:label id="lab_san_NumberOfBusinessLinesCommercialSegment_label_en-US" xlink:label="lab_san_NumberOfBusinessLinesCommercialSegment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Business Lines, Commercial Segment</link:label>
    <link:label id="lab_san_NumberOfBusinessLinesCommercialSegment_documentation_en-US" xlink:label="lab_san_NumberOfBusinessLinesCommercialSegment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Of Business Lines, Commercial Segment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfBusinessLinesCommercialSegment" xlink:href="san-20251231.xsd#san_NumberOfBusinessLinesCommercialSegment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfBusinessLinesCommercialSegment" xlink:to="lab_san_NumberOfBusinessLinesCommercialSegment" xlink:type="arc" order="1"/>
    <link:label id="lab_san_RestrictedReserves_019ca0fb-c9cd-7914-afa5-7a8beaed7b3d_totalLabel_en-US" xlink:label="lab_san_RestrictedReserves" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Restricted reserves</link:label>
    <link:label id="lab_san_RestrictedReserves_label_en-US" xlink:label="lab_san_RestrictedReserves" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted Reserves</link:label>
    <link:label id="lab_san_RestrictedReserves_documentation_en-US" xlink:label="lab_san_RestrictedReserves" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A component of equity representing reserves restricted as to usage.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_RestrictedReserves" xlink:href="san-20251231.xsd#san_RestrictedReserves"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_RestrictedReserves" xlink:to="lab_san_RestrictedReserves" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MortgageBackedBondsAverageMaturity_019ca0fb-c9cd-7155-9ff0-7208396072c2_terseLabel_en-US" xlink:label="lab_san_MortgageBackedBondsAverageMaturity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage-backed bonds average maturities</link:label>
    <link:label id="lab_san_MortgageBackedBondsAverageMaturity_label_en-US" xlink:label="lab_san_MortgageBackedBondsAverageMaturity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Backed Bonds Average Maturity</link:label>
    <link:label id="lab_san_MortgageBackedBondsAverageMaturity_documentation_en-US" xlink:label="lab_san_MortgageBackedBondsAverageMaturity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the average maturity for mortgage-backed bonds.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MortgageBackedBondsAverageMaturity" xlink:href="san-20251231.xsd#san_MortgageBackedBondsAverageMaturity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MortgageBackedBondsAverageMaturity" xlink:to="lab_san_MortgageBackedBondsAverageMaturity" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2019Member_019ca0fb-cb6b-7038-869c-1d3ae445e0d4_terseLabel_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2019Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2019 variable remuneration</link:label>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2019Member_label_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2019Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Based Variable Remuneration Award 2019 [Member]</link:label>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2019Member_documentation_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2019Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share Based Variable Remuneration Award 2019</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ShareBasedVariableRemunerationAward2019Member" xlink:href="san-20251231.xsd#san_ShareBasedVariableRemunerationAward2019Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ShareBasedVariableRemunerationAward2019Member" xlink:to="lab_san_ShareBasedVariableRemunerationAward2019Member" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CurrencyAxis_019ca0fb-cc70-7d61-85bf-6668467c48f6_terseLabel_en-US" xlink:label="lab_srt_CurrencyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Currency [Axis]</link:label>
    <link:label id="lab_srt_CurrencyAxis_label_en-US" xlink:label="lab_srt_CurrencyAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Currency [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CurrencyAxis" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CurrencyAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CurrencyAxis" xlink:to="lab_srt_CurrencyAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_NumberOfRemunerationComponents_019ca0fb-cbee-7509-940c-9ac0e59876cf_terseLabel_en-US" xlink:label="lab_san_NumberOfRemunerationComponents" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of remuneration components</link:label>
    <link:label id="lab_san_NumberOfRemunerationComponents_label_en-US" xlink:label="lab_san_NumberOfRemunerationComponents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Remuneration Components</link:label>
    <link:label id="lab_san_NumberOfRemunerationComponents_documentation_en-US" xlink:label="lab_san_NumberOfRemunerationComponents" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of components included in remuneration of directors.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_NumberOfRemunerationComponents" xlink:href="san-20251231.xsd#san_NumberOfRemunerationComponents"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_NumberOfRemunerationComponents" xlink:to="lab_san_NumberOfRemunerationComponents" xlink:type="arc" order="1"/>
    <link:label id="lab_san_TreasurySharesNumberOfSharesTransferredThroughDonations_019ca0fb-c9cd-77fc-be0d-cfecec6e4089_terseLabel_en-US" xlink:label="lab_san_TreasurySharesNumberOfSharesTransferredThroughDonations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Treasury shares, number of shares transferred through donations (in shares)</link:label>
    <link:label id="lab_san_TreasurySharesNumberOfSharesTransferredThroughDonations_label_en-US" xlink:label="lab_san_TreasurySharesNumberOfSharesTransferredThroughDonations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Shares, Number Of Shares Transferred Through Donations</link:label>
    <link:label id="lab_san_TreasurySharesNumberOfSharesTransferredThroughDonations_documentation_en-US" xlink:label="lab_san_TreasurySharesNumberOfSharesTransferredThroughDonations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Treasury Shares, Number Of Shares Transferred Through Donations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_TreasurySharesNumberOfSharesTransferredThroughDonations" xlink:href="san-20251231.xsd#san_TreasurySharesNumberOfSharesTransferredThroughDonations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_TreasurySharesNumberOfSharesTransferredThroughDonations" xlink:to="lab_san_TreasurySharesNumberOfSharesTransferredThroughDonations" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DescriptionOfAccountingPolicyForResidualMaturityPeriodsPolicyTextBlock_019ca0fb-c9cd-7870-8c27-1ee83d9fd141_terseLabel_en-US" xlink:label="lab_san_DescriptionOfAccountingPolicyForResidualMaturityPeriodsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Residual maturity periods</link:label>
    <link:label id="lab_san_DescriptionOfAccountingPolicyForResidualMaturityPeriodsPolicyTextBlock_label_en-US" xlink:label="lab_san_DescriptionOfAccountingPolicyForResidualMaturityPeriodsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Description Of Accounting Policy For Residual Maturity Periods [Policy Text Block]</link:label>
    <link:label id="lab_san_DescriptionOfAccountingPolicyForResidualMaturityPeriodsPolicyTextBlock_documentation_en-US" xlink:label="lab_san_DescriptionOfAccountingPolicyForResidualMaturityPeriodsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The description of the entity's accounting policy for residual maturity periods and average interest rates.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DescriptionOfAccountingPolicyForResidualMaturityPeriodsPolicyTextBlock" xlink:href="san-20251231.xsd#san_DescriptionOfAccountingPolicyForResidualMaturityPeriodsPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DescriptionOfAccountingPolicyForResidualMaturityPeriodsPolicyTextBlock" xlink:to="lab_san_DescriptionOfAccountingPolicyForResidualMaturityPeriodsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PeriodOfVoluntarySharesaveSchemeMonthlyEmployeeContributions_019ca0fb-c94e-72a4-b383-e9e79d990fb6_terseLabel_en-US" xlink:label="lab_san_PeriodOfVoluntarySharesaveSchemeMonthlyEmployeeContributions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Period of time the employee contributions are deducted from their net monthly pay for the voluntary Sharesave Scheme</link:label>
    <link:label id="lab_san_PeriodOfVoluntarySharesaveSchemeMonthlyEmployeeContributions_label_en-US" xlink:label="lab_san_PeriodOfVoluntarySharesaveSchemeMonthlyEmployeeContributions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Period Of Voluntary Sharesave Scheme Monthly Employee Contributions</link:label>
    <link:label id="lab_san_PeriodOfVoluntarySharesaveSchemeMonthlyEmployeeContributions_documentation_en-US" xlink:label="lab_san_PeriodOfVoluntarySharesaveSchemeMonthlyEmployeeContributions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Period of time the employee contributions are deducted from their net monthly pay for the voluntary Sharesave Scheme.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PeriodOfVoluntarySharesaveSchemeMonthlyEmployeeContributions" xlink:href="san-20251231.xsd#san_PeriodOfVoluntarySharesaveSchemeMonthlyEmployeeContributions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PeriodOfVoluntarySharesaveSchemeMonthlyEmployeeContributions" xlink:to="lab_san_PeriodOfVoluntarySharesaveSchemeMonthlyEmployeeContributions" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementTable_019ca0fb-c9cd-7354-8495-9f50ff80bce1_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of terms and conditions of share-based payment arrangement [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of terms and conditions of share-based payment arrangement [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementTable" xlink:to="lab_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PropertyPlantAndEquipmentForOwnUseAbstract_019ca0fb-cad3-786a-ad37-a6ca8ee6d235_terseLabel_en-US" xlink:label="lab_san_PropertyPlantAndEquipmentForOwnUseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, plant and equipment for own use</link:label>
    <link:label id="lab_san_PropertyPlantAndEquipmentForOwnUseAbstract_label_en-US" xlink:label="lab_san_PropertyPlantAndEquipmentForOwnUseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property Plant And Equipment For Own Use [Abstract]</link:label>
    <link:label id="lab_san_PropertyPlantAndEquipmentForOwnUseAbstract_documentation_en-US" xlink:label="lab_san_PropertyPlantAndEquipmentForOwnUseAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">n/a</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PropertyPlantAndEquipmentForOwnUseAbstract" xlink:href="san-20251231.xsd#san_PropertyPlantAndEquipmentForOwnUseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PropertyPlantAndEquipmentForOwnUseAbstract" xlink:to="lab_san_PropertyPlantAndEquipmentForOwnUseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_CreditImpairmentOfFinancialInstrumentsDomain_019ca0fb-cc70-7659-8789-90a298542727_terseLabel_en-US" xlink:label="lab_ifrs-full_CreditImpairmentOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit impairment of financial instruments [domain]</link:label>
    <link:label id="lab_ifrs-full_CreditImpairmentOfFinancialInstrumentsDomain_label_en-US" xlink:label="lab_ifrs-full_CreditImpairmentOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit impairment of financial instruments [domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_CreditImpairmentOfFinancialInstrumentsDomain" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_CreditImpairmentOfFinancialInstrumentsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_CreditImpairmentOfFinancialInstrumentsDomain" xlink:to="lab_ifrs-full_CreditImpairmentOfFinancialInstrumentsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_NumberOfParticipantsOfRetirementBenefitPlanReceivingBenefits_019ca0fb-cad3-757a-91db-37810bedaff4_terseLabel_en-US" xlink:label="lab_ifrs-full_NumberOfParticipantsOfRetirementBenefitPlanReceivingBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of persons</link:label>
    <link:label id="lab_ifrs-full_NumberOfParticipantsOfRetirementBenefitPlanReceivingBenefits_label_en-US" xlink:label="lab_ifrs-full_NumberOfParticipantsOfRetirementBenefitPlanReceivingBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number of participants of retirement benefit plan receiving benefits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_NumberOfParticipantsOfRetirementBenefitPlanReceivingBenefits" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_NumberOfParticipantsOfRetirementBenefitPlanReceivingBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_NumberOfParticipantsOfRetirementBenefitPlanReceivingBenefits" xlink:to="lab_ifrs-full_NumberOfParticipantsOfRetirementBenefitPlanReceivingBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_AverageEffectiveTaxRate_019ca0fb-c94e-727a-94e1-48b00c3659bf_terseLabel_en-US" xlink:label="lab_ifrs-full_AverageEffectiveTaxRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Effective tax rate</link:label>
    <link:label id="lab_ifrs-full_AverageEffectiveTaxRate_label_en-US" xlink:label="lab_ifrs-full_AverageEffectiveTaxRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Average effective tax rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_AverageEffectiveTaxRate" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_AverageEffectiveTaxRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_AverageEffectiveTaxRate" xlink:to="lab_ifrs-full_AverageEffectiveTaxRate" xlink:type="arc" order="1"/>
    <link:label id="lab_san_IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations_019ca0fb-cad3-72e1-b59f-72d755ae6fbc_terseLabel_en-US" xlink:label="lab_san_IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">E) Net increase/(decrease) in cash and cash equivalents</link:label>
    <link:label id="lab_san_IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations_label_en-US" xlink:label="lab_san_IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Cash And Cash Equivalents After Effect Of Foreign Exchange Rates, Discontinued Operations</link:label>
    <link:label id="lab_san_IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations_documentation_en-US" xlink:label="lab_san_IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Cash And Cash Equivalents After Effect Of Foreign Exchange Rates, Discontinued Operations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations" xlink:href="san-20251231.xsd#san_IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations" xlink:to="lab_san_IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_VehiclesMember_019ca0fb-ca4d-7d84-93bc-952940a00cb1_terseLabel_en-US" xlink:label="lab_ifrs-full_VehiclesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vehicles</link:label>
    <link:label id="lab_ifrs-full_VehiclesMember_label_en-US" xlink:label="lab_ifrs-full_VehiclesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Vehicles [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_VehiclesMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_VehiclesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_VehiclesMember" xlink:to="lab_ifrs-full_VehiclesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ProvisionForCustomerRemediationMember_019ca0fb-ca4e-7443-9d38-d14271569afd_terseLabel_en-US" xlink:label="lab_san_ProvisionForCustomerRemediationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision for customer remediation</link:label>
    <link:label id="lab_san_ProvisionForCustomerRemediationMember_label_en-US" xlink:label="lab_san_ProvisionForCustomerRemediationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provision For Customer Remediation [Member]</link:label>
    <link:label id="lab_san_ProvisionForCustomerRemediationMember_documentation_en-US" xlink:label="lab_san_ProvisionForCustomerRemediationMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for provision for customer remediation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ProvisionForCustomerRemediationMember" xlink:href="san-20251231.xsd#san_ProvisionForCustomerRemediationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ProvisionForCustomerRemediationMember" xlink:to="lab_san_ProvisionForCustomerRemediationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2018Member_019ca0fb-cbee-7ada-b8af-a4ac6b837f93_terseLabel_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2018Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2018 variable remuneration</link:label>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2018Member_label_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2018Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Based Variable Remuneration Award 2018 [Member]</link:label>
    <link:label id="lab_san_ShareBasedVariableRemunerationAward2018Member_documentation_en-US" xlink:label="lab_san_ShareBasedVariableRemunerationAward2018Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share Based Variable Remuneration Award2018 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ShareBasedVariableRemunerationAward2018Member" xlink:href="san-20251231.xsd#san_ShareBasedVariableRemunerationAward2018Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ShareBasedVariableRemunerationAward2018Member" xlink:to="lab_san_ShareBasedVariableRemunerationAward2018Member" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ConsolidationItemsAxis_019ca0fb-cbee-771b-a468-a4524b76102d_terseLabel_en-US" xlink:label="lab_srt_ConsolidationItemsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidation Items [Axis]</link:label>
    <link:label id="lab_srt_ConsolidationItemsAxis_label_en-US" xlink:label="lab_srt_ConsolidationItemsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidation Items [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidationItemsAxis" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidationItemsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ConsolidationItemsAxis" xlink:to="lab_srt_ConsolidationItemsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_EarningsPerShareExplanatory_019ca0fb-c9cd-7340-83cc-d3571c9e83ac_terseLabel_en-US" xlink:label="lab_ifrs-full_EarningsPerShareExplanatory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of basic and diluted earnings per share</link:label>
    <link:label id="lab_ifrs-full_EarningsPerShareExplanatory_label_en-US" xlink:label="lab_ifrs-full_EarningsPerShareExplanatory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings per share [text block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_EarningsPerShareExplanatory" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_EarningsPerShareExplanatory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_EarningsPerShareExplanatory" xlink:to="lab_ifrs-full_EarningsPerShareExplanatory" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansAndAdvancesMember_019ca0fb-ca4e-79f0-b474-d8c0ab75fc28_terseLabel_en-US" xlink:label="lab_san_LoansAndAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and advances</link:label>
    <link:label id="lab_san_LoansAndAdvancesMember_label_en-US" xlink:label="lab_san_LoansAndAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans And Advances [Member]</link:label>
    <link:label id="lab_san_LoansAndAdvancesMember_documentation_en-US" xlink:label="lab_san_LoansAndAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member stands for the financial instruments classified as loans and advances. These include the debit balances of all credit and loans granted by the entity, other than those represented by securities, as well as finance lease receivables and other debit balances of a financial nature in favour of the Group, such as checks drawn on credit institutions, balances receivable from clearing houses and settlement agencies for transactions on the stock exchange and organized markets, bonds given in cash, capital calls, fees and commissions receivable for financial guarantees and debit balances arising from transactions not originating in banking transactions and services, such as the collection of rentals and similar items. They are classified, on the basis of the institutional sector to which the debtor belongs, into Central Banks, Credit institutions, and Customers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansAndAdvancesMember" xlink:href="san-20251231.xsd#san_LoansAndAdvancesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansAndAdvancesMember" xlink:to="lab_san_LoansAndAdvancesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_LoansToSmallAndMediumSizedEnterprisesMember_019ca0fb-c94e-73eb-b761-3260d7678dc5_terseLabel_en-US" xlink:label="lab_san_LoansToSmallAndMediumSizedEnterprisesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SME</link:label>
    <link:label id="lab_san_LoansToSmallAndMediumSizedEnterprisesMember_label_en-US" xlink:label="lab_san_LoansToSmallAndMediumSizedEnterprisesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans To Small And Medium Sized Enterprises [Member]</link:label>
    <link:label id="lab_san_LoansToSmallAndMediumSizedEnterprisesMember_documentation_en-US" xlink:label="lab_san_LoansToSmallAndMediumSizedEnterprisesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans To Small And Medium Sized Enterprises</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_LoansToSmallAndMediumSizedEnterprisesMember" xlink:href="san-20251231.xsd#san_LoansToSmallAndMediumSizedEnterprisesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_LoansToSmallAndMediumSizedEnterprisesMember" xlink:to="lab_san_LoansToSmallAndMediumSizedEnterprisesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MortgageBackedSecuritiesAverageMaturity_019ca0fb-c9cd-7361-b8c5-e702745583df_terseLabel_en-US" xlink:label="lab_san_MortgageBackedSecuritiesAverageMaturity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage-backed securities average maturities</link:label>
    <link:label id="lab_san_MortgageBackedSecuritiesAverageMaturity_label_en-US" xlink:label="lab_san_MortgageBackedSecuritiesAverageMaturity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Backed Securities Average Maturity</link:label>
    <link:label id="lab_san_MortgageBackedSecuritiesAverageMaturity_documentation_en-US" xlink:label="lab_san_MortgageBackedSecuritiesAverageMaturity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the average maturity for mortgage-backed securities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MortgageBackedSecuritiesAverageMaturity" xlink:href="san-20251231.xsd#san_MortgageBackedSecuritiesAverageMaturity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MortgageBackedSecuritiesAverageMaturity" xlink:to="lab_san_MortgageBackedSecuritiesAverageMaturity" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PropertyDerivativesMember_019ca0fb-cbee-73bb-a61b-db56c346b405_terseLabel_en-US" xlink:label="lab_san_PropertyDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property derivatives</link:label>
    <link:label id="lab_san_PropertyDerivativesMember_label_en-US" xlink:label="lab_san_PropertyDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property Derivatives [Member]</link:label>
    <link:label id="lab_san_PropertyDerivativesMember_documentation_en-US" xlink:label="lab_san_PropertyDerivativesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Property Derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PropertyDerivativesMember" xlink:href="san-20251231.xsd#san_PropertyDerivativesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PropertyDerivativesMember" xlink:to="lab_san_PropertyDerivativesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_IntangibleAssetsOtherThanGoodwillAbstract_label_en-US" xlink:label="lab_ifrs-full_IntangibleAssetsOtherThanGoodwillAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible assets other than goodwill [abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_IntangibleAssetsOtherThanGoodwillAbstract" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_IntangibleAssetsOtherThanGoodwillAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_IntangibleAssetsOtherThanGoodwillAbstract" xlink:to="lab_ifrs-full_IntangibleAssetsOtherThanGoodwillAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_OptionPricingModelMember_019ca0fb-ca4e-7d10-bc05-929e53166128_terseLabel_en-US" xlink:label="lab_ifrs-full_OptionPricingModelMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Option pricing model</link:label>
    <link:label id="lab_ifrs-full_OptionPricingModelMember_label_en-US" xlink:label="lab_ifrs-full_OptionPricingModelMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Option pricing model [member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_OptionPricingModelMember" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_OptionPricingModelMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_OptionPricingModelMember" xlink:to="lab_ifrs-full_OptionPricingModelMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_DisclosureOfPropertyPlantAndEquipmentTable_019ca0fb-cad3-7385-be7b-de6f0778bd82_terseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfPropertyPlantAndEquipmentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about property, plant and equipment [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfPropertyPlantAndEquipmentTable_019ca0fb-cad3-774a-8748-26c2e7c16032_verboseLabel_en-US" xlink:label="lab_ifrs-full_DisclosureOfPropertyPlantAndEquipmentTable" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about property, plant and equipment [table]</link:label>
    <link:label id="lab_ifrs-full_DisclosureOfPropertyPlantAndEquipmentTable_label_en-US" xlink:label="lab_ifrs-full_DisclosureOfPropertyPlantAndEquipmentTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of detailed information about property, plant and equipment [table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_DisclosureOfPropertyPlantAndEquipmentTable" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_DisclosureOfPropertyPlantAndEquipmentTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_DisclosureOfPropertyPlantAndEquipmentTable" xlink:to="lab_ifrs-full_DisclosureOfPropertyPlantAndEquipmentTable" xlink:type="arc" order="1"/>
    <link:label id="lab_san_MemorandumItemsAxis_019ca0fb-cb6b-737c-a7c9-b44fc2b1cbf4_terseLabel_en-US" xlink:label="lab_san_MemorandumItemsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Memorandum Items</link:label>
    <link:label id="lab_san_MemorandumItemsAxis_label_en-US" xlink:label="lab_san_MemorandumItemsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Memorandum Items [Axis]</link:label>
    <link:label id="lab_san_MemorandumItemsAxis_documentation_en-US" xlink:label="lab_san_MemorandumItemsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Memorandum Items</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_MemorandumItemsAxis" xlink:href="san-20251231.xsd#san_MemorandumItemsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_MemorandumItemsAxis" xlink:to="lab_san_MemorandumItemsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities_019ca0fb-cbee-75ce-8fd0-b064f5578ab4_terseLabel_en-US" xlink:label="lab_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible assets</link:label>
    <link:label id="lab_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities_label_en-US" xlink:label="lab_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Purchase of intangible assets, classified as investing activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:to="lab_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_san_DefinedBenefitPlansProvisionsReversalNet_019ca0fb-cbee-744c-b096-f095f9b461fa_terseLabel_en-US" xlink:label="lab_san_DefinedBenefitPlansProvisionsReversalNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions or reversal of provisions, net</link:label>
    <link:label id="lab_san_DefinedBenefitPlansProvisionsReversalNet_label_en-US" xlink:label="lab_san_DefinedBenefitPlansProvisionsReversalNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plans, Provisions (Reversal), Net</link:label>
    <link:label id="lab_san_DefinedBenefitPlansProvisionsReversalNet_documentation_en-US" xlink:label="lab_san_DefinedBenefitPlansProvisionsReversalNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Plans, Provisions (Reversal), Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_DefinedBenefitPlansProvisionsReversalNet" xlink:href="san-20251231.xsd#san_DefinedBenefitPlansProvisionsReversalNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_DefinedBenefitPlansProvisionsReversalNet" xlink:to="lab_san_DefinedBenefitPlansProvisionsReversalNet" xlink:type="arc" order="1"/>
    <link:label id="lab_san_ExcessTierTwoRiskBasedCapitalSubsidiaries_019ca0fb-cbee-7a5b-95e7-1b796ca38174_terseLabel_en-US" xlink:label="lab_san_ExcessTierTwoRiskBasedCapitalSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">T2-excesses -&#160;subsidiaries</link:label>
    <link:label id="lab_san_ExcessTierTwoRiskBasedCapitalSubsidiaries_label_en-US" xlink:label="lab_san_ExcessTierTwoRiskBasedCapitalSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Excess Tier Two Risk Based Capital, Subsidiaries</link:label>
    <link:label id="lab_san_ExcessTierTwoRiskBasedCapitalSubsidiaries_documentation_en-US" xlink:label="lab_san_ExcessTierTwoRiskBasedCapitalSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount by which the company's Tier 2 Risk Based Capital exceeds the minimum required for capital adequacy purposes attributable to subsidiaries.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_ExcessTierTwoRiskBasedCapitalSubsidiaries" xlink:href="san-20251231.xsd#san_ExcessTierTwoRiskBasedCapitalSubsidiaries"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_ExcessTierTwoRiskBasedCapitalSubsidiaries" xlink:to="lab_san_ExcessTierTwoRiskBasedCapitalSubsidiaries" xlink:type="arc" order="1"/>
    <link:label id="lab_san_AccumulatedImpairmentSinceInitialImpairmentMember_019ca0fb-cad3-7ce5-b801-e16e3a0a29ee_terseLabel_en-US" xlink:label="lab_san_AccumulatedImpairmentSinceInitialImpairmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impairment losses since time of foreclosure</link:label>
    <link:label id="lab_san_AccumulatedImpairmentSinceInitialImpairmentMember_label_en-US" xlink:label="lab_san_AccumulatedImpairmentSinceInitialImpairmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Impairment Since Initial Impairment [Member]</link:label>
    <link:label id="lab_san_AccumulatedImpairmentSinceInitialImpairmentMember_documentation_en-US" xlink:label="lab_san_AccumulatedImpairmentSinceInitialImpairmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This member represents portion of accumulated impairment recognized since initial foreclosure.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_AccumulatedImpairmentSinceInitialImpairmentMember" xlink:href="san-20251231.xsd#san_AccumulatedImpairmentSinceInitialImpairmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_AccumulatedImpairmentSinceInitialImpairmentMember" xlink:to="lab_san_AccumulatedImpairmentSinceInitialImpairmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_PercentageOfTotalSovereignRisk_019ca0fb-cbee-7b8a-8b40-effd6a9628b0_terseLabel_en-US" xlink:label="lab_san_PercentageOfTotalSovereignRisk" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of total sovereign risk</link:label>
    <link:label id="lab_san_PercentageOfTotalSovereignRisk_label_en-US" xlink:label="lab_san_PercentageOfTotalSovereignRisk" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Total Sovereign Risk</link:label>
    <link:label id="lab_san_PercentageOfTotalSovereignRisk_documentation_en-US" xlink:label="lab_san_PercentageOfTotalSovereignRisk" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage of total sovereign risk.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_PercentageOfTotalSovereignRisk" xlink:href="san-20251231.xsd#san_PercentageOfTotalSovereignRisk"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_PercentageOfTotalSovereignRisk" xlink:to="lab_san_PercentageOfTotalSovereignRisk" xlink:type="arc" order="1"/>
    <link:label id="lab_ifrs-full_InternalCreditGradesAxis_019ca0fb-cad3-7d20-885e-1c46ffd8d0af_terseLabel_en-US" xlink:label="lab_ifrs-full_InternalCreditGradesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Internal credit grades [axis]</link:label>
    <link:label id="lab_ifrs-full_InternalCreditGradesAxis_label_en-US" xlink:label="lab_ifrs-full_InternalCreditGradesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Internal credit grades [axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ifrs-full_InternalCreditGradesAxis" xlink:href="https://xbrl.ifrs.org/taxonomy/2025-03-27/full_ifrs/full_ifrs-cor_2025-03-27.xsd#ifrs-full_InternalCreditGradesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ifrs-full_InternalCreditGradesAxis" xlink:to="lab_ifrs-full_InternalCreditGradesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_san_OtherMeasurementInputMember_019ca0fb-c94e-74d1-8ace-a8a652944f99_terseLabel_en-US" xlink:label="lab_san_OtherMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Measurement Input</link:label>
    <link:label id="lab_san_OtherMeasurementInputMember_label_en-US" xlink:label="lab_san_OtherMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Measurement Input [Member]</link:label>
    <link:label id="lab_san_OtherMeasurementInputMember_documentation_en-US" xlink:label="lab_san_OtherMeasurementInputMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_OtherMeasurementInputMember" xlink:href="san-20251231.xsd#san_OtherMeasurementInputMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_OtherMeasurementInputMember" xlink:to="lab_san_OtherMeasurementInputMember" xlink:type="arc" order="1"/>
    <link:label id="lab_san_StateStreetBankMember_019ca0fb-c9cd-7404-99e8-7dffef4b132d_terseLabel_en-US" xlink:label="lab_san_StateStreetBankMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">State Street Bank</link:label>
    <link:label id="lab_san_StateStreetBankMember_label_en-US" xlink:label="lab_san_StateStreetBankMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">State Street Bank [Member]</link:label>
    <link:label id="lab_san_StateStreetBankMember_documentation_en-US" xlink:label="lab_san_StateStreetBankMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to State Street Bank</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_san_StateStreetBankMember" xlink:href="san-20251231.xsd#san_StateStreetBankMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_san_StateStreetBankMember" xlink:to="lab_san_StateStreetBankMember" xlink:type="arc" order="1"/>
  </link:labelLink>
</link:linkbase>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>7
<FILENAME>san-20251231_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

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<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
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<SEQUENCE>13
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</DOCUMENT>
<DOCUMENT>
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<DOCUMENT>
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<SEQUENCE>37
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</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>38
<FILENAME>san-20251231_g37.jpg
<TEXT>
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<SEQUENCE>48
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end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>50
<FILENAME>san-20251231_g48.jpg
<TEXT>
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<DOCUMENT>
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<SEQUENCE>63
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<TYPE>XML
<SEQUENCE>83
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
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<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Cover Page<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">6-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-12518<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">Banco Santander, S.A.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">28660 Boadilla del Monte (Madrid)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCountry', window );">Entity Address, Country</a></td>
<td class="text">ES<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000891478<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--12-31<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Dec. 31,  2025<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentFiscalYearFocus', window );">Document Fiscal Year Focus</a></td>
<td class="text">2025<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentFiscalPeriodFocus', window );">Document Fiscal Period Focus</a></td>
<td class="text">FY<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>xbrli:stringItemType</td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CurrentFiscalYearEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>End date of current fiscal year in the format --MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CurrentFiscalYearEndDate</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:gMonthDayItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fiscal period values are FY, Q1, Q2, and Q3. 1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFiscalPeriodFocus</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>dei:fiscalPeriodItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalYearFocus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>This is focus fiscal year of the document report in YYYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFiscalYearFocus</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:gYearItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
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<td>dei:submissionTypeItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCountry">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>ISO 3166-1 alpha-2 country code.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCountry</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:countryCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>84
<FILENAME>R2.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
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<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Consolidated Balance Sheets - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">CASH, CASH BALANCES AT CENTRAL BANKS AND OTHER DEPOSITS ON DEMAND</a></td>
<td class="nump">&#8364; 152,281<span></span>
</td>
<td class="nump">&#8364; 192,208<span></span>
</td>
<td class="nump">&#8364; 220,342<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">FINANCIAL ASSETS HELD FOR TRADING</a></td>
<td class="nump">252,318<span></span>
</td>
<td class="nump">230,253<span></span>
</td>
<td class="nump">176,921<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">NON-TRADING FINANCIAL ASSETS MANDATORILY AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">7,761<span></span>
</td>
<td class="nump">6,130<span></span>
</td>
<td class="nump">5,910<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">8,046<span></span>
</td>
<td class="nump">7,915<span></span>
</td>
<td class="nump">9,773<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME</a></td>
<td class="nump">74,612<span></span>
</td>
<td class="nump">89,898<span></span>
</td>
<td class="nump">83,308<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">FINANCIAL ASSETS AT AMORTIZED COST</a></td>
<td class="nump">1,202,689<span></span>
</td>
<td class="nump">1,203,707<span></span>
</td>
<td class="nump">1,191,403<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging', window );">HEDGING DERIVATIVES</a></td>
<td class="nump">3,931<span></span>
</td>
<td class="nump">5,672<span></span>
</td>
<td class="nump">5,297<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets', window );">CHANGES IN THE FAIR VALUE OF HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK</a></td>
<td class="nump">50<span></span>
</td>
<td class="num">(704)<span></span>
</td>
<td class="num">(788)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentAccountedForUsingEquityMethod', window );">INVESTMENTS</a></td>
<td class="nump">7,052<span></span>
</td>
<td class="nump">7,277<span></span>
</td>
<td class="nump">7,646<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod', window );">Joint venture entities</a></td>
<td class="nump">1,956<span></span>
</td>
<td class="nump">2,061<span></span>
</td>
<td class="nump">1,964<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod', window );">Associated entities</a></td>
<td class="nump">5,096<span></span>
</td>
<td class="nump">5,216<span></span>
</td>
<td class="nump">5,682<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReinsuranceContractsHeldThatAreAssets', window );">ASSETS UNDER REINSURANCE CONTRACTS</a></td>
<td class="nump">223<span></span>
</td>
<td class="nump">222<span></span>
</td>
<td class="nump">237<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">TANGIBLE ASSETS</a></td>
<td class="nump">27,438<span></span>
</td>
<td class="nump">32,087<span></span>
</td>
<td class="nump">33,882<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Property, plant and equipment</a></td>
<td class="nump">26,416<span></span>
</td>
<td class="nump">31,212<span></span>
</td>
<td class="nump">32,926<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentProperty', window );">Investment properties</a></td>
<td class="nump">1,022<span></span>
</td>
<td class="nump">875<span></span>
</td>
<td class="nump">956<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsAndGoodwill', window );">INTANGIBLE ASSETS</a></td>
<td class="nump">17,308<span></span>
</td>
<td class="nump">19,259<span></span>
</td>
<td class="nump">19,871<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">11,958<span></span>
</td>
<td class="nump">13,438<span></span>
</td>
<td class="nump">14,017<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Other intangible assets</a></td>
<td class="nump">5,350<span></span>
</td>
<td class="nump">5,821<span></span>
</td>
<td class="nump">5,854<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TaxAssets', window );">TAX ASSETS</a></td>
<td class="nump">30,076<span></span>
</td>
<td class="nump">30,596<span></span>
</td>
<td class="nump">31,390<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentTaxAssets', window );">Current tax assets</a></td>
<td class="nump">11,132<span></span>
</td>
<td class="nump">11,426<span></span>
</td>
<td class="nump">10,623<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">18,944<span></span>
</td>
<td class="nump">19,170<span></span>
</td>
<td class="nump">20,767<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherAssets', window );">OTHER ASSETS</a></td>
<td class="nump">8,719<span></span>
</td>
<td class="nump">8,559<span></span>
</td>
<td class="nump">8,856<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsIssuedThatAreAssets', window );">Insurance contracts linked to pensions</a></td>
<td class="nump">67<span></span>
</td>
<td class="nump">81<span></span>
</td>
<td class="nump">93<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Inventories', window );">Inventories</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherNonfinancialAssets', window );">Other</a></td>
<td class="nump">8,645<span></span>
</td>
<td class="nump">8,472<span></span>
</td>
<td class="nump">8,756<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">NON-CURRENT ASSETS HELD FOR SALE</a></td>
<td class="nump">75,011<span></span>
</td>
<td class="nump">4,002<span></span>
</td>
<td class="nump">3,014<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">1,867,515<span></span>
</td>
<td class="nump">1,837,081<span></span>
</td>
<td class="nump">1,797,062<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">FINANCIAL LIABILITIES HELD FOR TRADING</a></td>
<td class="nump">171,546<span></span>
</td>
<td class="nump">152,151<span></span>
</td>
<td class="nump">122,270<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">42,148<span></span>
</td>
<td class="nump">36,360<span></span>
</td>
<td class="nump">40,367<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">FINANCIAL LIABILITIES AT AMORTIZED COST</a></td>
<td class="nump">1,421,184<span></span>
</td>
<td class="nump">1,484,322<span></span>
</td>
<td class="nump">1,468,703<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging', window );">HEDGING DERIVATIVES</a></td>
<td class="nump">4,248<span></span>
</td>
<td class="nump">4,752<span></span>
</td>
<td class="nump">7,656<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities', window );">CHANGES IN THE FAIR VALUE OF HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK</a></td>
<td class="nump">49<span></span>
</td>
<td class="num">(9)<span></span>
</td>
<td class="nump">55<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsIssuedThatAreLiabilities', window );">LIABILITIES UNDER INSURANCE CONTRACTS</a></td>
<td class="nump">18,737<span></span>
</td>
<td class="nump">17,829<span></span>
</td>
<td class="nump">17,799<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS</a></td>
<td class="nump">8,355<span></span>
</td>
<td class="nump">8,407<span></span>
</td>
<td class="nump">8,441<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TaxLiabilities', window );">TAX LIABILITIES</a></td>
<td class="nump">9,568<span></span>
</td>
<td class="nump">9,598<span></span>
</td>
<td class="nump">9,932<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentTaxLiabilities', window );">Current tax liabilities</a></td>
<td class="nump">3,664<span></span>
</td>
<td class="nump">3,322<span></span>
</td>
<td class="nump">3,846<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxLiabilities', window );">Deferred tax liabilities</a></td>
<td class="nump">5,904<span></span>
</td>
<td class="nump">6,276<span></span>
</td>
<td class="nump">6,086<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherLiabilities', window );">OTHER LIABILITIES</a></td>
<td class="nump">15,937<span></span>
</td>
<td class="nump">16,344<span></span>
</td>
<td class="nump">17,598<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale', window );">LIABILITIES ASSOCIATED WITH NON-CURRENT ASSETS HELD FOR SALE</a></td>
<td class="nump">62,995<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">1,754,767<span></span>
</td>
<td class="nump">1,729,754<span></span>
</td>
<td class="nump">1,692,821<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAbstract', window );"><strong>EQUITY</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EquityAttributableToOwnersOfParentExcludingAccumulatedOtherComprehensiveIncome', window );">SHAREHOLDERS&#180; EQUITY</a></td>
<td class="nump">141,144<span></span>
</td>
<td class="nump">135,196<span></span>
</td>
<td class="nump">130,443<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuedCapital', window );">CAPITAL</a></td>
<td class="nump">7,345<span></span>
</td>
<td class="nump">7,576<span></span>
</td>
<td class="nump">8,092<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CalledUpPaidCapital', window );">Called up paid capital</a></td>
<td class="nump">7,345<span></span>
</td>
<td class="nump">7,576<span></span>
</td>
<td class="nump">8,092<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UnpaidCapitalCalledUp', window );">Unpaid capital which has been called up</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SharePremium', window );">SHARE PREMIUM</a></td>
<td class="nump">36,792<span></span>
</td>
<td class="nump">40,079<span></span>
</td>
<td class="nump">44,373<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfEquityComponentOfConvertibleInstruments', window );">EQUITY INSTRUMENTS ISSUED OTHER THAN CAPITAL</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">720<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CompoundFinancialInstrumentEquityComponent', window );">Equity component of the compound financial instrument</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherEquityInstrumentsIssued', window );">Other equity instruments issued</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">720<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherEquityInterest', window );">OTHER EQUITY</a></td>
<td class="nump">273<span></span>
</td>
<td class="nump">217<span></span>
</td>
<td class="nump">195<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RetainedEarningsExcludingProfitLossForReportingPeriod', window );">ACCUMULATED RETAINED EARNINGS</a></td>
<td class="nump">91,959<span></span>
</td>
<td class="nump">82,326<span></span>
</td>
<td class="nump">74,114<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevaluationSurplus', window );">REVALUATION RESERVES</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherReserves', window );">OTHER RESERVES</a></td>
<td class="num">(7,532)<span></span>
</td>
<td class="num">(5,976)<span></span>
</td>
<td class="num">(5,751)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReservesOrAccumulatedLossesInJointVenturesInvestments', window );">Reserves or accumulated losses in joint venture investments</a></td>
<td class="nump">1,643<span></span>
</td>
<td class="nump">1,831<span></span>
</td>
<td class="nump">1,762<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MiscellaneousOtherReserves', window );">Others</a></td>
<td class="num">(9,175)<span></span>
</td>
<td class="num">(7,807)<span></span>
</td>
<td class="num">(7,513)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TreasuryShares', window );">(-) OWN SHARES</a></td>
<td class="num">(96)<span></span>
</td>
<td class="num">(68)<span></span>
</td>
<td class="num">(1,078)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProfitLossAttributableToShareholdersOfParent', window );">PROFIT OR LOSS ATTRIBUTABLE TO SHAREHOLDERS OF THE PARENT</a></td>
<td class="nump">14,101<span></span>
</td>
<td class="nump">12,574<span></span>
</td>
<td class="nump">11,076<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InterimDividends', window );">(-) INTERIM DIVIDENDS</a></td>
<td class="num">(1,698)<span></span>
</td>
<td class="num">(1,532)<span></span>
</td>
<td class="num">(1,298)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedOtherComprehensiveIncome', window );">OTHER COMPREHENSIVE INCOME OR LOSS</a></td>
<td class="num">(37,974)<span></span>
</td>
<td class="num">(36,595)<span></span>
</td>
<td class="num">(35,020)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss', window );">Items that will not be reclassified to profit or loss</a></td>
<td class="num">(4,121)<span></span>
</td>
<td class="num">(4,757)<span></span>
</td>
<td class="num">(5,212)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss', window );">Items that may be reclassified to profit or loss</a></td>
<td class="num">(33,853)<span></span>
</td>
<td class="num">(31,838)<span></span>
</td>
<td class="num">(29,808)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncontrollingInterests', window );">NON-CONTROLLING INTEREST</a></td>
<td class="nump">9,578<span></span>
</td>
<td class="nump">8,726<span></span>
</td>
<td class="nump">8,818<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterests', window );">Other comprehensive income or loss</a></td>
<td class="num">(1,947)<span></span>
</td>
<td class="num">(2,020)<span></span>
</td>
<td class="num">(1,559)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncome', window );">Other items</a></td>
<td class="nump">11,525<span></span>
</td>
<td class="nump">10,746<span></span>
</td>
<td class="nump">10,377<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">TOTAL EQUITY</a></td>
<td class="nump">112,748<span></span>
</td>
<td class="nump">107,327<span></span>
</td>
<td class="nump">104,241<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAndLiabilities', window );">TOTAL LIABILITIES AND EQUITY</a></td>
<td class="nump">1,867,515<span></span>
</td>
<td class="nump">1,837,081<span></span>
</td>
<td class="nump">1,797,062<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_LoanCommitmentsMember', window );">Loan commitments granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAbstract', window );"><strong>EQUITY</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">MEMORANDUM ITEMS: OFF BALANCE SHEET AMOUNTS</a></td>
<td class="nump">321,234<span></span>
</td>
<td class="nump">302,861<span></span>
</td>
<td class="nump">279,589<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_FinancialGuaranteeContractsMember', window );">Financial guarantees granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAbstract', window );"><strong>EQUITY</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">MEMORANDUM ITEMS: OFF BALANCE SHEET AMOUNTS</a></td>
<td class="nump">17,449<span></span>
</td>
<td class="nump">16,901<span></span>
</td>
<td class="nump">15,435<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherCommitmentsMember', window );">Other commitments granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAbstract', window );"><strong>EQUITY</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">MEMORANDUM ITEMS: OFF BALANCE SHEET AMOUNTS</a></td>
<td class="nump">148,118<span></span>
</td>
<td class="nump">134,493<span></span>
</td>
<td class="nump">113,273<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember', window );">Post-employment&#160;plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS</a></td>
<td class="nump">1,656<span></span>
</td>
<td class="nump">1,731<span></span>
</td>
<td class="nump">2,225<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_OtherLongTermEmployeeBenefitsProvisionMember', window );">Other long term employee benefits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS</a></td>
<td class="nump">993<span></span>
</td>
<td class="nump">915<span></span>
</td>
<td class="nump">880<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_TaxesAndOtherLegalContingenciesProvisionMember', window );">Taxes and other legal contingencies</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS</a></td>
<td class="nump">2,989<span></span>
</td>
<td class="nump">2,717<span></span>
</td>
<td class="nump">2,715<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_CommitmentsAndGuaranteesGivenProvisionMember', window );">Contingent liabilities and commitments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS</a></td>
<td class="nump">713<span></span>
</td>
<td class="nump">710<span></span>
</td>
<td class="nump">702<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=ifrs-full_MiscellaneousOtherProvisionsMember', window );">Other provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS</a></td>
<td class="nump">2,004<span></span>
</td>
<td class="nump">2,334<span></span>
</td>
<td class="nump">1,919<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember', window );">Derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">FINANCIAL LIABILITIES HELD FOR TRADING</a></td>
<td class="nump">51,968<span></span>
</td>
<td class="nump">57,753<span></span>
</td>
<td class="nump">50,589<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_ShortPositionsMember', window );">Short positions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">FINANCIAL LIABILITIES HELD FOR TRADING</a></td>
<td class="nump">44,015<span></span>
</td>
<td class="nump">35,830<span></span>
</td>
<td class="nump">26,174<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">FINANCIAL LIABILITIES HELD FOR TRADING</a></td>
<td class="nump">75,563<span></span>
</td>
<td class="nump">58,568<span></span>
</td>
<td class="nump">45,507<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">30,440<span></span>
</td>
<td class="nump">28,806<span></span>
</td>
<td class="nump">34,996<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">FINANCIAL LIABILITIES AT AMORTIZED COST</a></td>
<td class="nump">1,072,384<span></span>
</td>
<td class="nump">1,126,439<span></span>
</td>
<td class="nump">1,125,308<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">FINANCIAL LIABILITIES HELD FOR TRADING</a></td>
<td class="nump">12,385<span></span>
</td>
<td class="nump">13,300<span></span>
</td>
<td class="nump">7,808<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">3,086<span></span>
</td>
<td class="nump">1,774<span></span>
</td>
<td class="nump">1,209<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">FINANCIAL LIABILITIES AT AMORTIZED COST</a></td>
<td class="nump">18,542<span></span>
</td>
<td class="nump">24,882<span></span>
</td>
<td class="nump">48,782<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">FINANCIAL LIABILITIES HELD FOR TRADING</a></td>
<td class="nump">27,058<span></span>
</td>
<td class="nump">26,284<span></span>
</td>
<td class="nump">17,862<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">1,424<span></span>
</td>
<td class="nump">1,625<span></span>
</td>
<td class="nump">1,735<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">FINANCIAL LIABILITIES AT AMORTIZED COST</a></td>
<td class="nump">74,692<span></span>
</td>
<td class="nump">90,012<span></span>
</td>
<td class="nump">81,246<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">FINANCIAL LIABILITIES HELD FOR TRADING</a></td>
<td class="nump">36,120<span></span>
</td>
<td class="nump">18,984<span></span>
</td>
<td class="nump">19,837<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">25,930<span></span>
</td>
<td class="nump">25,407<span></span>
</td>
<td class="nump">32,052<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">FINANCIAL LIABILITIES AT AMORTIZED COST</a></td>
<td class="nump">979,150<span></span>
</td>
<td class="nump">1,011,545<span></span>
</td>
<td class="nump">995,280<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">FINANCIAL LIABILITIES HELD FOR TRADING</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">11,686<span></span>
</td>
<td class="nump">7,554<span></span>
</td>
<td class="nump">5,371<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">FINANCIAL LIABILITIES AT AMORTIZED COST</a></td>
<td class="nump">312,704<span></span>
</td>
<td class="nump">317,967<span></span>
</td>
<td class="nump">303,208<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">FINANCIAL LIABILITIES HELD FOR TRADING</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">22<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">FINANCIAL LIABILITIES AT AMORTIZED COST</a></td>
<td class="nump">36,096<span></span>
</td>
<td class="nump">39,916<span></span>
</td>
<td class="nump">40,187<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis=ifrs-full_PropertyPlantAndEquipmentNotSubjectToOperatingLeasesMember', window );">For own-use</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Property, plant and equipment</a></td>
<td class="nump">11,663<span></span>
</td>
<td class="nump">12,636<span></span>
</td>
<td class="nump">13,408<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis=ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember', window );">Leased out&#160;under an&#160;operating lease</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Property, plant and equipment</a></td>
<td class="nump">14,753<span></span>
</td>
<td class="nump">18,576<span></span>
</td>
<td class="nump">19,518<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentProperty', window );">Investment properties</a></td>
<td class="nump">860<span></span>
</td>
<td class="nump">749<span></span>
</td>
<td class="nump">851<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember', window );">Derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">FINANCIAL ASSETS HELD FOR TRADING</a></td>
<td class="nump">58,355<span></span>
</td>
<td class="nump">64,100<span></span>
</td>
<td class="nump">56,328<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember', window );">Equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">FINANCIAL ASSETS HELD FOR TRADING</a></td>
<td class="nump">22,030<span></span>
</td>
<td class="nump">16,636<span></span>
</td>
<td class="nump">15,057<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">NON-TRADING FINANCIAL ASSETS MANDATORILY AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">5,815<span></span>
</td>
<td class="nump">4,641<span></span>
</td>
<td class="nump">4,068<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME</a></td>
<td class="nump">2,281<span></span>
</td>
<td class="nump">2,193<span></span>
</td>
<td class="nump">1,761<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">FINANCIAL ASSETS HELD FOR TRADING</a></td>
<td class="nump">98,568<span></span>
</td>
<td class="nump">82,646<span></span>
</td>
<td class="nump">62,124<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">NON-TRADING FINANCIAL ASSETS MANDATORILY AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">245<span></span>
</td>
<td class="nump">447<span></span>
</td>
<td class="nump">860<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">2,894<span></span>
</td>
<td class="nump">2,897<span></span>
</td>
<td class="nump">3,095<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME</a></td>
<td class="nump">58,305<span></span>
</td>
<td class="nump">76,558<span></span>
</td>
<td class="nump">73,565<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">FINANCIAL ASSETS AT AMORTIZED COST</a></td>
<td class="nump">140,014<span></span>
</td>
<td class="nump">120,949<span></span>
</td>
<td class="nump">103,559<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember', window );">Loans and advances</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">FINANCIAL ASSETS HELD FOR TRADING</a></td>
<td class="nump">73,365<span></span>
</td>
<td class="nump">66,871<span></span>
</td>
<td class="nump">43,412<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">NON-TRADING FINANCIAL ASSETS MANDATORILY AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">1,701<span></span>
</td>
<td class="nump">1,042<span></span>
</td>
<td class="nump">982<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">5,152<span></span>
</td>
<td class="nump">5,018<span></span>
</td>
<td class="nump">6,678<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME</a></td>
<td class="nump">14,026<span></span>
</td>
<td class="nump">11,147<span></span>
</td>
<td class="nump">7,982<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">FINANCIAL ASSETS AT AMORTIZED COST</a></td>
<td class="nump">1,062,675<span></span>
</td>
<td class="nump">1,082,758<span></span>
</td>
<td class="nump">1,087,844<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember', window );">Central banks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">FINANCIAL ASSETS HELD FOR TRADING</a></td>
<td class="nump">14,632<span></span>
</td>
<td class="nump">12,966<span></span>
</td>
<td class="nump">17,717<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">NON-TRADING FINANCIAL ASSETS MANDATORILY AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">FINANCIAL ASSETS AT AMORTIZED COST</a></td>
<td class="nump">15,986<span></span>
</td>
<td class="nump">16,179<span></span>
</td>
<td class="nump">20,082<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">FINANCIAL ASSETS HELD FOR TRADING</a></td>
<td class="nump">25,967<span></span>
</td>
<td class="nump">27,314<span></span>
</td>
<td class="nump">14,061<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">NON-TRADING FINANCIAL ASSETS MANDATORILY AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">413<span></span>
</td>
<td class="nump">408<span></span>
</td>
<td class="nump">459<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME</a></td>
<td class="nump">1,120<span></span>
</td>
<td class="nump">363<span></span>
</td>
<td class="nump">313<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">FINANCIAL ASSETS AT AMORTIZED COST</a></td>
<td class="nump">61,513<span></span>
</td>
<td class="nump">55,537<span></span>
</td>
<td class="nump">57,917<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">FINANCIAL ASSETS HELD FOR TRADING</a></td>
<td class="nump">32,766<span></span>
</td>
<td class="nump">26,591<span></span>
</td>
<td class="nump">11,634<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">NON-TRADING FINANCIAL ASSETS MANDATORILY AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">1,701<span></span>
</td>
<td class="nump">1,042<span></span>
</td>
<td class="nump">982<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">4,739<span></span>
</td>
<td class="nump">4,610<span></span>
</td>
<td class="nump">6,219<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME</a></td>
<td class="nump">12,906<span></span>
</td>
<td class="nump">10,784<span></span>
</td>
<td class="nump">7,669<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">FINANCIAL ASSETS AT AMORTIZED COST</a></td>
<td class="nump">&#8364; 985,176<span></span>
</td>
<td class="nump">&#8364; 1,011,042<span></span>
</td>
<td class="nump">&#8364; 1,009,845<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The accumulated amount of fair value hedge adjustment on a hedged item that is included in the carrying amount of the hedged item, recognised in the statement of financial position as an asset. [Refer: Hedged items [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 24B<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24B_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 61<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_61_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 61<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_61_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The accumulated amount of fair value hedge adjustment on a hedged item that is included in the carrying amount of the hedged item, recognised in the statement of financial position as a liability. [Refer: Hedged items [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 24B<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24B_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 61<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_61_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 61<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_61_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AccumulatedOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a present economic resource controlled by the entity as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash on hand and demand deposits, along with short-term, highly liquid investments that are readily convertible to known amounts of cash and that are subject to an insignificant risk of changes in value. [Refer: Cash; Cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_a&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 169<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_169&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 169<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_169&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CurrentTaxAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The excess of amount paid for current tax in respect of current and prior periods over the amount due for those periods. Current tax is the amount of income taxes payable (recoverable) in respect of the taxable profit (tax loss) for a period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph n<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_n&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CurrentTaxAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CurrentTaxLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of current tax for current and prior periods to the extent unpaid. Current tax is the amount of income taxes payable (recoverable) in respect of the taxable profit (tax loss) for a period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph n<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_n&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CurrentTaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DeferredTaxAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amounts of income taxes recoverable in future periods in respect of: (a) deductible temporary differences; (b) the carryforward of unused tax losses; and (c) the carryforward of unused tax credits. [Refer: Temporary differences [member]; Unused tax credits [member]; Unused tax losses [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph g<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_g_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph f<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_f_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph f<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_f_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph o<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_o&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_56&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DeferredTaxAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DeferredTaxLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amounts of income taxes payable in future periods in respect of taxable temporary differences. [Refer: Temporary differences [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph g<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_g_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph f<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_f_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph f<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_f_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph o<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_o&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_56&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DeferredTaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of derivative financial assets held for hedging. [Refer: Derivative financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DerivativeFinancialAssetsHeldForHedging</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of derivative financial liabilities held for hedging. [Refer: Derivative financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Equity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of residual interest in the assets of the entity after deducting all its liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Equity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EquityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EquityAndLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of the entity's equity and liabilities. [Refer: Equity; Liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EquityAndLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of the exposure to credit risk on loan commitments and financial guarantee contracts. [Refer: Loan commitments [member]; Financial guarantee contracts [member]; Credit risk [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at amortised cost. The amortised cost is the amount at which financial assets are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount, and adjusted for any impairment. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss classified as held for trading. A financial asset is classified as held for trading if: (a) it is acquired principally for the purpose of selling it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: At fair value [member]; Financial assets at fair value through profit or loss, mandatorily measured at fair value]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: At fair value [member]; Financial assets at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets mandatorily measured at fair value through profit or loss in accordance with IFRS 9. [Refer: Financial assets at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at amortised cost. The amortised cost is the amount at which financial liabilities are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount. [Refer: Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at fair value through profit or loss that meet the definition of held for trading. A financial liability is classified as held for trading if: (a) it is acquired or incurred principally for the purpose of selling or repurchasing it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: Financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: At fair value [member]; Financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Goodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognised. [Refer: Total for all business combinations [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 134<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_134_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 135<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_135_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2025-01-01<br> -Paragraph B67<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B67_d&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 254<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_254_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 255<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_255_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 254<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_254_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 255<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_255_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 37<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_37&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 37<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_37&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Goodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InsuranceContractsIssuedThatAreAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of insurance contracts issued that are assets. [Refer: Assets; Insurance contracts issued [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_78_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph da<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_da&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InsuranceContractsIssuedThatAreAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InsuranceContractsIssuedThatAreLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of insurance contracts issued that are liabilities. [Refer: Liabilities; Insurance contracts issued [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_78_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph ma<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_ma&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InsuranceContractsIssuedThatAreLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IntangibleAssetsAndGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of intangible assets and goodwill held by the entity. [Refer: Goodwill; Intangible assets other than goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IntangibleAssetsAndGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IntangibleAssetsOtherThanGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of identifiable non-monetary assets without physical substance. This amount does not include goodwill. [Refer: Goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 38<br> -IssueDate 2025-01-01<br> -Paragraph 118<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_118_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 263<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_263_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 263<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_263_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IntangibleAssetsOtherThanGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Inventories">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of current inventories. [Refer: Inventories]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 2<br> -IssueDate 2025-01-01<br> -Paragraph 36<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=2&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_36_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 164<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_164_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 164<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_164_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 68<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_68&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Inventories</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InvestmentAccountedForUsingEquityMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of investments accounted for using the equity method. The equity method is a method of accounting whereby the investment is initially recognised at cost and adjusted thereafter for the post-acquisition change in the investor's share of net assets of the investee. The investor's profit or loss includes its share of the profit or loss of the investee. The investor's other comprehensive income includes its share of the other comprehensive income of the investee. [Refer: At cost [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B16<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B16&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 89<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_89&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 89<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_89&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentAccountedForUsingEquityMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InvestmentProperty">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of property (land or a building - or part of a building - or both) held (by the owner or by the lessee as a right-of-use asset) to earn rentals or for capital appreciation or both, rather than for: (a) use in the production or supply of goods or services or for administrative purposes; or (b) sale in the ordinary course of business.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 40<br> -IssueDate 2025-01-01<br> -Paragraph 76<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=40&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_76&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 40<br> -IssueDate 2025-01-01<br> -Paragraph 79<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=40&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_79_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 269<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_269&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 271<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_271_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 269<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_269&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 271<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_271_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentProperty</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of investments in associates accounted for using the equity method. [Refer: Total for all associates [member]; Investments accounted for using equity method]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of investments in joint ventures accounted for using the equity method. [Refer: Total for all joint ventures [member]; Investments accounted for using equity method]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IssuedCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The nominal value of capital issued.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IssuedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Liabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a present obligation of the entity to transfer an economic resource as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities included in disposal groups classified as held for sale. [Refer: Liabilities; Disposal groups classified as held for sale [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 38<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_38&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph p<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_p&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NoncontrollingInterests">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of equity in a subsidiary not attributable, directly or indirectly, to a parent. [Refer: Total for all subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 10<br> -IssueDate 2025-01-01<br> -Paragraph 22<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=10&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_22&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 12<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_12_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph q<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_q&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NoncontrollingInterests</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of non-current assets or disposal groups classified as held for sale. [Refer: Disposal groups classified as held for sale [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 38<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_38&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherEquityInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of equity interest of an entity without share capital that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherEquityInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherNonfinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of non-financial assets that the entity does not separately disclose in the same statement or note. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherNonfinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherReserves">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing reserves within equity, not including retained earnings. [Refer: Retained earnings]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherReserves</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of property, plant and equipment including right-of-use assets whose underlying assets would be presented as property, plant and equipment if they were owned. [Refer: Property, plant and equipment; Right-of-use assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 73<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_73_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 47<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_47_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Provisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities of uncertain timing or amount, including provisions for employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph l<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_l&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Provisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReinsuranceContractsHeldThatAreAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of reinsurance contracts held that are assets. [Refer: Assets; Reinsurance contracts held [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_78_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph da<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_da&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReinsuranceContractsHeldThatAreAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReserveOfEquityComponentOfConvertibleInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing components of convertible instruments classified as equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReserveOfEquityComponentOfConvertibleInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RetainedEarningsExcludingProfitLossForReportingPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the entity&#8217;s cumulative undistributed earnings or deficit excluding the profit or loss for the reporting period. [Refer: Retained earnings]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RetainedEarningsExcludingProfitLossForReportingPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RevaluationSurplus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the accumulated revaluation surplus on the revaluation of assets recognised in other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 38<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 39<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_39&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RevaluationSurplus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SharePremium">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount received or receivable from the issuance of the entity's shares in excess of nominal value.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SharePremium</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TreasuryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>An entity&#8217;s own equity instruments, held by the entity or other members of the consolidated group.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 32<br> -IssueDate 2025-01-01<br> -Paragraph 34<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=32&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_34&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TreasuryShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterests">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount attributable to non-controlling interest of accumulated items of income and expense (including reclassification adjustments) that are not recognized in profit or loss as required or permitted by other IFRSs.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AccumulatedOtherComprehensiveIncomeAttributableToNonControllingInterests</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CalledUpPaidCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Called Up Paid Capital</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CalledUpPaidCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CompoundFinancialInstrumentEquityComponent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Compound Financial Instrument, Equity Component</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CompoundFinancialInstrumentEquityComponent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EquityAttributableToOwnersOfParentExcludingAccumulatedOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of equity attributable to the owners of the parent excluding accumulated other comprehensive income and non-controlling interest.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EquityAttributableToOwnersOfParentExcludingAccumulatedOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InterimDividends">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interim Dividends</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InterimDividends</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MiscellaneousOtherReserves">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of other reserves within equity representing reserves not otherwise specified.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MiscellaneousOtherReserves</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of equity in a subsidiary not attributable, directly or indirectly, to a parent other than accumulated other comprehensive income.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of other reserves that may be reclassified to profit or loss that is attributable to parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of other reserves not reclassified to profit or loss that is attributable to parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherEquityInstrumentsIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Equity Instruments Issued</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherEquityInstrumentsIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ProfitLossAttributableToShareholdersOfParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of shareholders' equity attributable to profit (loss) for the current period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ProfitLossAttributableToShareholdersOfParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ReservesOrAccumulatedLossesInJointVenturesInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of other reserves within equity representing reserves or accumulated losses in joint ventures investments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ReservesOrAccumulatedLossesInJointVenturesInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of tangible assets that are both held for use and expected to used during more than one period. May include property, plant and equipment and investment properties.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TangibleAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TaxAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The excess of amount paid for tax in respect of current, prior, and future periods over the amount due for those periods.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TaxAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TaxLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of tax for current, prior, and future periods to the extent unpaid.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_UnpaidCapitalCalledUp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Unpaid Capital Called Up</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_UnpaidCapitalCalledUp</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_LoanCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_LoanCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_FinancialGuaranteeContractsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_FinancialGuaranteeContractsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=san_OtherLongTermEmployeeBenefitsProvisionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_OtherLongTermEmployeeBenefitsProvisionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=san_TaxesAndOtherLegalContingenciesProvisionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_TaxesAndOtherLegalContingenciesProvisionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=san_CommitmentsAndGuaranteesGivenProvisionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_CommitmentsAndGuaranteesGivenProvisionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=ifrs-full_MiscellaneousOtherProvisionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=ifrs-full_MiscellaneousOtherProvisionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_ShortPositionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_ShortPositionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis=ifrs-full_PropertyPlantAndEquipmentNotSubjectToOperatingLeasesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis=ifrs-full_PropertyPlantAndEquipmentNotSubjectToOperatingLeasesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis=ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PropertyPlantAndEquipmentByOperatingLeaseStatusAxis=ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>85
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Consolidated Balance Sheets (Parenthetical) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember', window );">FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfIFRSStatementLineItems', window );"><strong>IFRS Statement [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Memorandum items: subordinated liabilities</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember', window );">FINANCIAL LIABILITIES AT AMORTIZED COST</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfIFRSStatementLineItems', window );"><strong>IFRS Statement [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Memorandum items: subordinated liabilities</a></td>
<td class="nump">&#8364; 29,287<span></span>
</td>
<td class="nump">&#8364; 35,813<span></span>
</td>
<td class="nump">&#8364; 30,912<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SubordinatedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that are subordinate to other liabilities with respect to claims.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SubordinatedLiabilities</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfIFRSStatementLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfIFRSStatementLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>86
<FILENAME>R4.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Consolidated Income Statements - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfIFRSStatementLineItems', window );"><strong>IFRS Statement [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromInterest', window );">Interest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 101,710.0<span></span>
</td>
<td class="nump">&#8364; 109,012.0<span></span>
</td>
<td class="nump">&#8364; 101,742.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestExpense', window );">Interest expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(59,362.0)<span></span>
</td>
<td class="num">(65,225.0)<span></span>
</td>
<td class="num">(61,092.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Interest income/(charges)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">42,348.0<span></span>
</td>
<td class="nump">43,787.0<span></span>
</td>
<td class="nump">40,650.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromDividends', window );">Dividend income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">715.0<span></span>
</td>
<td class="nump">710.0<span></span>
</td>
<td class="nump">568.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod', window );">Income from companies accounted for using the equity method</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">665.0<span></span>
</td>
<td class="nump">687.0<span></span>
</td>
<td class="nump">591.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncome', window );">Commission income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">17,387.0<span></span>
</td>
<td class="nump">16,834.0<span></span>
</td>
<td class="nump">15,644.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionExpense', window );">Commission expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(4,411.0)<span></span>
</td>
<td class="num">(4,458.0)<span></span>
</td>
<td class="num">(4,149.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet', window );">Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">127.0<span></span>
</td>
<td class="num">(117.0)<span></span>
</td>
<td class="nump">96.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading', window );">Gain or losses on financial assets and liabilities held for trading, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,017.0<span></span>
</td>
<td class="nump">1,344.0<span></span>
</td>
<td class="nump">2,316.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,106.0<span></span>
</td>
<td class="nump">495.0<span></span>
</td>
<td class="nump">198.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss', window );">Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(307.0)<span></span>
</td>
<td class="nump">691.0<span></span>
</td>
<td class="num">(92.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsOrLossesFromHedgeAccountingNet', window );">Gain or losses from hedge accounting, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">12.0<span></span>
</td>
<td class="nump">14.0<span></span>
</td>
<td class="nump">69.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss', window );">Exchange differences, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">407.0<span></span>
</td>
<td class="num">(216.0)<span></span>
</td>
<td class="num">(22.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncome1', window );">Other operating income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">1,583.0<span></span>
</td>
<td class="nump">846.0<span></span>
</td>
<td class="nump">1,137.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingExpense', window );">Other operating expenses</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,429.0)<span></span>
</td>
<td class="num">(2,595.0)<span></span>
</td>
<td class="num">(3,066.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncomeFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss', window );">Income from insurance and reinsurance contracts</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">476.0<span></span>
</td>
<td class="nump">470.0<span></span>
</td>
<td class="nump">460.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpensesFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss', window );">Expenses from insurance and reinsurance contracts</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(385.0)<span></span>
</td>
<td class="num">(449.0)<span></span>
</td>
<td class="num">(449.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">58,311.0<span></span>
</td>
<td class="nump">58,043.0<span></span>
</td>
<td class="nump">53,951.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdministrativeExpense', window );">Administrative expenses</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(21,601.0)<span></span>
</td>
<td class="num">(22,036.0)<span></span>
</td>
<td class="num">(21,598.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EmployeeBenefitsExpense', window );">Staff costs</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(13,656.0)<span></span>
</td>
<td class="num">(13,851.0)<span></span>
</td>
<td class="num">(13,299.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherGeneralAdministrativeExpenses', window );">Other general administrative expenses</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(7,945.0)<span></span>
</td>
<td class="num">(8,185.0)<span></span>
</td>
<td class="num">(8,299.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DepreciationAndAmortisationExpense', window );">Depreciation and amortisation cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(3,178.0)<span></span>
</td>
<td class="num">(3,179.0)<span></span>
</td>
<td class="num">(3,086.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProvisionsAndReversalOfProvisions', window );">Provisions or reversal of provisions, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,302.0)<span></span>
</td>
<td class="num">(3,062.0)<span></span>
</td>
<td class="num">(2,058.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9', window );">Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(12,546.0)<span></span>
</td>
<td class="num">(12,136.0)<span></span>
</td>
<td class="num">(12,298.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentLossReversalOfImpairmentOfInvestmentsInSubsidiariesJointVenturesAndAssociatesNet', window );">Impairment or reversal of impairment of investments in subsidiaries, joint ventures and associates, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentLossReversalOfImpairmentRecognisedInProfitOrLossNonFinancialAssetsNet', window );">Impairment or reversal of impairment on non-financial assets, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(251.0)<span></span>
</td>
<td class="num">(624.0)<span></span>
</td>
<td class="num">(237.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossTangibleAssets', window );">Tangible assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(129.0)<span></span>
</td>
<td class="num">(382.0)<span></span>
</td>
<td class="num">(135.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill', window );">Intangible assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(112.0)<span></span>
</td>
<td class="num">(231.0)<span></span>
</td>
<td class="num">(73.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossOtherNonFinancialAssetsNet', window );">Others</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(10.0)<span></span>
</td>
<td class="num">(11.0)<span></span>
</td>
<td class="num">(29.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnDisposalsOfNonFinancialAssetsNet', window );">Gain or losses on non-financial assets and investments, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">368.0<span></span>
</td>
<td class="nump">312.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainRecognisedInBargainPurchaseTransaction', window );">Negative goodwill recognized in results</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">22.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">39.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations', window );">Gains or losses on non-current assets held for sale not classified as discontinued operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">226.0<span></span>
</td>
<td class="num">(27.0)<span></span>
</td>
<td class="num">(20.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">18,681.0<span></span>
</td>
<td class="nump">17,347.0<span></span>
</td>
<td class="nump">15,005.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax expense or income from continuing operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(4,723.0)<span></span>
</td>
<td class="num">(4,844.0)<span></span>
</td>
<td class="num">(3,880.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">13,958.0<span></span>
</td>
<td class="nump">12,503.0<span></span>
</td>
<td class="nump">11,125.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit/(loss) after tax from discontinued operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,542.0<span></span>
</td>
<td class="nump">1,241.0<span></span>
</td>
<td class="nump">1,058.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">15,500.0<span></span>
</td>
<td class="nump">13,744.0<span></span>
</td>
<td class="nump">12,183.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit/(loss) attributable to non-controlling interests</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,399.0<span></span>
</td>
<td class="nump">1,170.0<span></span>
</td>
<td class="nump">1,107.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Profit/(loss) attributable to the parent</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 14,101.0<span></span>
</td>
<td class="nump">&#8364; 12,574.0<span></span>
</td>
<td class="nump">&#8364; 11,076.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EarningsPerShareAbstract', window );"><strong>Earnings/(losses) per share</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BasicEarningsLossPerShare', window );">Basic (in euro per share)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 0.905<span></span>
</td>
<td class="nump">&#8364; 0.771<span></span>
</td>
<td class="nump">&#8364; 0.654<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DilutedEarningsLossPerShare', window );">Diluted (in euro per share)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 0.900<span></span>
</td>
<td class="nump">&#8364; 0.768<span></span>
</td>
<td class="nump">&#8364; 0.651<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAndLiabilitiesAxis=san_OtherFinancialAssetsAndLiabilitiesMember', window );">Other financial assets and liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfIFRSStatementLineItems', window );"><strong>IFRS Statement [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet', window );">Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 216.0<span></span>
</td>
<td class="nump">&#8364; 73.0<span></span>
</td>
<td class="nump">&#8364; 99.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfIFRSStatementLineItems', window );"><strong>IFRS Statement [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromInterest', window );">Interest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,713.0<span></span>
</td>
<td class="nump">6,931.0<span></span>
</td>
<td class="nump">5,533.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromDividends', window );">Dividend income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">102.0<span></span>
</td>
<td class="nump">118.0<span></span>
</td>
<td class="nump">86.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9', window );">Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(29.0)<span></span>
</td>
<td class="nump">1.0<span></span>
</td>
<td class="num">(24.0)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember', window );">Financial assets at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfIFRSStatementLineItems', window );"><strong>IFRS Statement [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromInterest', window );">Interest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">76,248.0<span></span>
</td>
<td class="nump">80,992.0<span></span>
</td>
<td class="nump">74,799.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet', window );">Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(89.0)<span></span>
</td>
<td class="num">(190.0)<span></span>
</td>
<td class="num">(3.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9', window );">Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(12,517.0)<span></span>
</td>
<td class="num">(12,137.0)<span></span>
</td>
<td class="num">(12,274.0)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_InterestIncomeFromOtherFinancialAssetsMember', window );">Other interest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfIFRSStatementLineItems', window );"><strong>IFRS Statement [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromInterest', window );">Interest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">19,749.0<span></span>
</td>
<td class="nump">21,089.0<span></span>
</td>
<td class="nump">21,410.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsReclassifiedFromFairValueWithChangesInOtherComprehensiveIncomeMember', window );">Reclassification of financial assets at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfIFRSStatementLineItems', window );"><strong>IFRS Statement [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading', window );">Gain or losses on financial assets and liabilities held for trading, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_ReclassifiedFinancialAssetsFromAmortizedCostMember', window );">Reclassification of financial assets at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfIFRSStatementLineItems', window );"><strong>IFRS Statement [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading', window );">Gain or losses on financial assets and liabilities held for trading, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_OtherGainsOrLossesMember', window );">Other gains (losses)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfIFRSStatementLineItems', window );"><strong>IFRS Statement [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading', window );">Gain or losses on financial assets and liabilities held for trading, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,017.0<span></span>
</td>
<td class="nump">1,344.0<span></span>
</td>
<td class="nump">2,316.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 1,106.0<span></span>
</td>
<td class="nump">&#8364; 495.0<span></span>
</td>
<td class="nump">&#8364; 198.0<span></span>
</td>
</tr>
<tr><td colspan="4"></td></tr>
<tr><td colspan="4"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top">Includes EUR -486 million at 31 December 2025 (EUR -1,225 and EUR -1,016 at 31 December 2024 and 2023, respectively) derived from the net loss generated in Argentina as a result of the application of IAS 29 <span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:115%">Financial reporting in hyperinflationary economies</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:115%"> </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> </span></td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdministrativeExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph b<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_b_vi&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdministrativeExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BasicEarningsLossPerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of profit (loss) attributable to ordinary equity holders of the parent entity (the numerator) divided by the weighted average number of ordinary shares outstanding during the period (the denominator).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 67<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_67&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BasicEarningsLossPerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DepreciationAndAmortisationExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of depreciation and amortisation expense. Depreciation and amortisation are the systematic allocations of depreciable amounts of assets over their useful lives.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_d&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 104<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_104&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DepreciationAndAmortisationExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DilutedEarningsLossPerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of profit (loss) attributable to ordinary equity holders of the parent entity (the numerator), divided by the weighted average number of ordinary shares outstanding during the period (the denominator), both adjusted for the effects of all dilutive potential ordinary shares. [Refer: Ordinary shares [member]; Weighted average [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 67<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_67&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DilutedEarningsLossPerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EarningsPerShareAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EarningsPerShareAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EmployeeBenefitsExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 133<br> -Subparagraph a<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_133_a_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 104<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_104&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EmployeeBenefitsExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FeeAndCommissionExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FeeAndCommissionExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FeeAndCommissionIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FeeAndCommissionIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainRecognisedInBargainPurchaseTransaction">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2025-01-01<br> -Paragraph B64<br> -Subparagraph n<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B64_n_i&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainRecognisedInBargainPurchaseTransaction</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of exchange differences recognised in profit or loss that arise from foreign currency transactions, excluding those arising on financial instruments measured at fair value through profit or loss in accordance with IFRS 9. [Refer: At fair value [member]; Classes of financial instruments [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 21<br> -IssueDate 2025-01-01<br> -Paragraph 52<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_52_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 218<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_218_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 218<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_218_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_35&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GrossProfit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GrossProfit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of impairment loss, impairment gain or reversal of impairment loss that is recognised in profit or loss in accordance with paragraph 5.5.8 of IFRS 9 and that arises from applying the impairment requirements in Section 5.5 of IFRS 9.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph ba<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_ba&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 38<br> -IssueDate 2025-01-01<br> -Paragraph 118<br> -Subparagraph e<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_118_e_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxExpenseContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph b<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_b_viii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 79<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_79&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_g&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 192<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_192&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 192<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_192&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxExpenseContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of expense arising from interest.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestRevenueExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestRevenueExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses from continuing and discontinued operations, excluding the components of other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 113<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing and discontinued operations attributable to non-controlling interests. [Refer: Profit (loss); Non-controlling interests]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 12<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_12_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81B<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81B_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToNoncontrollingInterests</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossAttributableToOwnersOfParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing and discontinued operations attributable to owners of the parent. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81B<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81B_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToOwnersOfParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing operations. [Refer: Continuing operations, unless line item indicates otherwise [member]; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_vi&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause vii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_vii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 98<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_98_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph ea<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_ea&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RevenueFromDividends">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RevenueFromDividends</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RevenueFromInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income arising from interest.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_e&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RevenueFromInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfIFRSStatementLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfIFRSStatementLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ExpensesFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of expense included in profit or loss related to liabilities under insurance contracts and reinsurance contracts.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ExpensesFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GainsLossesOnDisposalsOfNonFinancialAssetsNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains (Losses) On Disposals Of Non-Financial Assets, Net</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesOnDisposalsOfNonFinancialAssetsNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net amount of gains or losses on financial assets and liabilities at fair value through profit or loss.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of gains or losses on financial assets and liabilities held for trading.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net amount of gains or losses on financial assets and liabilities not measured at fair value through profit or loss, net.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains (Losses) On Non-Current Assets Held For Sale Not Classified As Discontinued Operations</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GainsOrLossesFromHedgeAccountingNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net amount of gains or losses from hedge accounting recognized in profit or loss.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsOrLossesFromHedgeAccountingNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossOtherNonFinancialAssetsNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net amount of impairment or reversal of impairment recognised in profit or loss on other non-financial assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossOtherNonFinancialAssetsNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossTangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net amount of impairment loss or reversal of impairment recognized in profit or loss on tangible assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ImpairmentLossOrReversalOfImpairmentRecognisedInProfitOrLossTangibleAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ImpairmentLossReversalOfImpairmentOfInvestmentsInSubsidiariesJointVenturesAndAssociatesNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net amount of impairment loss or reversal of impairment of investments in subsidiaries, joint ventures and associates recognized in profit or loss.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ImpairmentLossReversalOfImpairmentOfInvestmentsInSubsidiariesJointVenturesAndAssociatesNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ImpairmentLossReversalOfImpairmentRecognisedInProfitOrLossNonFinancialAssetsNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net amount of impairment loss and reversal of impairment recognised in profit or loss on non-financial assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ImpairmentLossReversalOfImpairmentRecognisedInProfitOrLossNonFinancialAssetsNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncomeFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of income from assets included in profit or loss under insurance contracts and reinsurance contracts issued.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncomeFromInsuranceAndReinsuranceContractsRecognisedInProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherGeneralAdministrativeExpenses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other General Administrative Expenses</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherGeneralAdministrativeExpenses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherOperatingExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of operating expense that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherOperatingExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherOperatingIncome1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Operating Income1</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherOperatingIncome1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ProvisionsAndReversalOfProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net amount of provisions and reversal of provisions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ProvisionsAndReversalOfProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AssetsAndLiabilitiesAxis=san_OtherFinancialAssetsAndLiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AssetsAndLiabilitiesAxis=san_OtherFinancialAssetsAndLiabilitiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_InterestIncomeFromOtherFinancialAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=san_InterestIncomeFromOtherFinancialAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsReclassifiedFromFairValueWithChangesInOtherComprehensiveIncomeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsReclassifiedFromFairValueWithChangesInOtherComprehensiveIncomeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_ReclassifiedFinancialAssetsFromAmortizedCostMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=san_ReclassifiedFinancialAssetsFromAmortizedCostMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_OtherGainsOrLossesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=san_OtherGainsOrLossesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<DOCUMENT>
<TYPE>XML
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<TEXT>
<html>
<head>
<title></title>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Consolidated Income Statements (Parenthetical) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementGeographicalAxis=country_AR', window );">Argentina</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfIFRSStatementLineItems', window );"><strong>IFRS Statement [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnNetMonetaryPosition', window );">Gains (losses) on net monetary position</a></td>
<td class="num">&#8364; (486)<span></span>
</td>
<td class="num">&#8364; (1,225)<span></span>
</td>
<td class="num">&#8364; (1,016)<span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnNetMonetaryPosition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) representing the difference resulting from the restatement of non-monetary assets, owners' equity and items in the statement of comprehensive income and the adjustment of index linked assets and liabilities in hyperinflationary reporting.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 29<br> -IssueDate 2025-01-01<br> -Paragraph 9<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=29&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_9&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnNetMonetaryPosition</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfIFRSStatementLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfIFRSStatementLineItems</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementGeographicalAxis=country_AR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementGeographicalAxis=country_AR</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</body>
</html>
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<DOCUMENT>
<TYPE>XML
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Consolidated Statements of Recognised Income and Expense - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfComprehensiveIncomeAbstract', window );"><strong>Statement of comprehensive income [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">CONSOLIDATED PROFIT/(LOSS) FOR THE YEAR</a></td>
<td class="nump">&#8364; 15,500<span></span>
</td>
<td class="nump">&#8364; 13,744<span></span>
</td>
<td class="nump">&#8364; 12,183<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncome', window );">OTHER RECOGNISED INCOME AND EXPENSE</a></td>
<td class="num">(1,858)<span></span>
</td>
<td class="num">(2,339)<span></span>
</td>
<td class="nump">614<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax', window );">Items that will not be reclassified to profit or loss</a></td>
<td class="nump">100<span></span>
</td>
<td class="nump">219<span></span>
</td>
<td class="num">(964)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans', window );">Actuarial gains and losses on defined benefit pension plans</a></td>
<td class="num">(73)<span></span>
</td>
<td class="num">(584)<span></span>
</td>
<td class="num">(1,038)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonCurrentAssetsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossBeforeTax', window );">Non-current assets held for sale</a></td>
<td class="nump">10<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax', window );">Other recognised income and expense of investments in subsidiaries, joint ventures and associates</a></td>
<td class="nump">1<span></span>
</td>
<td class="num">(3)<span></span>
</td>
<td class="num">(5)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments', window );">Changes in the fair value of equity instruments measured at fair value through other comprehensive income</a></td>
<td class="nump">245<span></span>
</td>
<td class="nump">447<span></span>
</td>
<td class="num">(162)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments', window );">Gains or losses resulting from the accounting for hedges of equity instruments measured at fair value through other comprehensive income, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgedItem', window );">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedged item)</a></td>
<td class="num">(76)<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="num">(29)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgingInstrument', window );">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedging instrument)</a></td>
<td class="nump">76<span></span>
</td>
<td class="num">(20)<span></span>
</td>
<td class="nump">29<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability', window );">Changes in the fair value of financial liabilities at fair value through profit or loss attributable to changes in credit risk</a></td>
<td class="num">(160)<span></span>
</td>
<td class="nump">277<span></span>
</td>
<td class="num">(120)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss', window );">Income tax relating to items that will not be reclassified</a></td>
<td class="nump">77<span></span>
</td>
<td class="nump">82<span></span>
</td>
<td class="nump">361<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax', window );">Items that may be reclassified to profit or loss</a></td>
<td class="num">(1,958)<span></span>
</td>
<td class="num">(2,558)<span></span>
</td>
<td class="nump">1,578<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations', window );">Hedges of net investments in foreign operations (effective portion)</a></td>
<td class="nump">195<span></span>
</td>
<td class="nump">420<span></span>
</td>
<td class="num">(1,888)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax', window );">Revaluation gains (losses)</a></td>
<td class="nump">195<span></span>
</td>
<td class="nump">420<span></span>
</td>
<td class="num">(1,888)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax', window );">Amounts transferred to income statement</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax', window );">Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation', window );">Exchanges differences</a></td>
<td class="num">(3,399)<span></span>
</td>
<td class="num">(3,047)<span></span>
</td>
<td class="nump">1,017<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax', window );">Revaluation gains (losses)</a></td>
<td class="num">(3,399)<span></span>
</td>
<td class="num">(3,047)<span></span>
</td>
<td class="nump">1,009<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax', window );">Amounts transferred to income statement</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">8<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax', window );">Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges', window );">Cash flow hedges (effective portion)</a></td>
<td class="nump">867<span></span>
</td>
<td class="nump">558<span></span>
</td>
<td class="nump">2,592<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax', window );">Revaluation gains (losses)</a></td>
<td class="nump">158<span></span>
</td>
<td class="num">(698)<span></span>
</td>
<td class="num">(30)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax', window );">Amounts transferred to income statement</a></td>
<td class="nump">709<span></span>
</td>
<td class="nump">1,256<span></span>
</td>
<td class="nump">2,622<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AmountsTransferredToInitialCarryingAmountOfHedgedItemsBeforeTax', window );">Transferred to initial carrying amount of hedged items</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax', window );">Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated', window );">Hedging instruments (items not designated)</a></td>
<td class="num">(14)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnRemeasuringHedgingInstrumentsNotDesignatedBeforeTax', window );">Revaluation gains (losses)</a></td>
<td class="num">(1)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax', window );">Amounts transferred to income statement</a></td>
<td class="num">(13)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax', window );">Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Debt instruments at fair value with changes in other comprehensive income</a></td>
<td class="nump">613<span></span>
</td>
<td class="num">(493)<span></span>
</td>
<td class="nump">858<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax', window );">Revaluation gains (losses)</a></td>
<td class="nump">715<span></span>
</td>
<td class="num">(447)<span></span>
</td>
<td class="nump">852<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax', window );">Amounts transferred to income statement</a></td>
<td class="num">(102)<span></span>
</td>
<td class="num">(46)<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax', window );">Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale', window );">Non-current assets held for sale</a></td>
<td class="nump">274<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax', window );">Revaluation gains (losses)</a></td>
<td class="nump">267<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax', window );">Amounts transferred to income statement</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax', window );">Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax', window );">Share of other recognised income and expense of investments</a></td>
<td class="nump">20<span></span>
</td>
<td class="num">(108)<span></span>
</td>
<td class="nump">19<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss', window );">Income tax relating to items that may be reclassified to profit or loss</a></td>
<td class="num">(514)<span></span>
</td>
<td class="nump">112<span></span>
</td>
<td class="num">(1,020)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncome', window );">Total recognised income and expenses for the year</a></td>
<td class="nump">13,642<span></span>
</td>
<td class="nump">11,405<span></span>
</td>
<td class="nump">12,797<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests', window );">Attributable to non-controlling interests</a></td>
<td class="nump">1,452<span></span>
</td>
<td class="nump">709<span></span>
</td>
<td class="nump">1,401<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent', window );">Attributable to the parent</a></td>
<td class="nump">&#8364; 12,190<span></span>
</td>
<td class="nump">&#8364; 10,696<span></span>
</td>
<td class="nump">&#8364; 11,396<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of change in equity resulting from transactions and other events, other than those changes resulting from transactions with owners in their capacity as owners.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause ix<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_ix&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income attributable to non-controlling interests. [Refer: Comprehensive income; Non-controlling interests]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81B<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81B_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income attributable to owners of the parent. [Refer: Comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81B<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81B_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) recognised in other comprehensive income on cash flow hedges, before tax, before reclassification adjustments. [Refer: Cash flow hedges [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) recognised in other comprehensive income on exchange differences on the translation of financial statements of foreign operations, before tax, before reclassification adjustments. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) recognised in other comprehensive income on financial assets measured at fair value through other comprehensive income applying paragraph 4.1.2A of IFRS 9, before tax, before reclassification adjustments. [Refer: Financial assets measured at fair value through other comprehensive income; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -Subparagraph a<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20_a_viii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -Subparagraph a<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_56_a_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -Subparagraph a<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_56_a_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) recognised in other comprehensive income on hedges of net investments in foreign operations, before tax, before reclassification adjustments. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 39<br> -IssueDate 2025-01-01<br> -Paragraph 102<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=39&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_102_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 9<br> -IssueDate 2025-01-01<br> -Paragraph 6.5.13<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=9&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_6.5.13_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to amounts recognised in other comprehensive income that will be reclassified to profit or loss. [Refer: Income tax relating to components of other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to amounts recognised in other comprehensive income that will not be reclassified to profit or loss. [Refer: Income tax relating to components of other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_viii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, after reclassification adjustments, related to cash flow hedges. [Refer: Cash flow hedges [member]; Other comprehensive income, before tax]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, related to change in the fair value of financial liability attributable to change in the credit risk of the liability. [Refer: Other comprehensive income, before tax; Credit risk [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, after reclassification adjustments, related to exchange differences on translation of financial statements of foreign operations. [Refer: Other comprehensive income, before tax]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, after reclassification adjustments, related to financial assets measured at fair value through other comprehensive income applying paragraph 4.1.2A of IFRS 9. [Refer: Financial assets measured at fair value through other comprehensive income; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -Subparagraph a<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20_a_viii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -Subparagraph a<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_56_a_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -Subparagraph a<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_56_a_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
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<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -Subparagraph a<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_56_a_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -Subparagraph a<br> -Clause vii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20_a_vii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -Subparagraph a<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_56_a_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments</td>
</tr>
<tr>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, related to gains (losses) on hedging instruments that hedge investments in equity instruments that the entity has designated at fair value through other comprehensive income. [Refer: Other comprehensive income, before tax]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, related to gains (losses) on remeasurements of defined benefit plans, which comprise actuarial gains and losses; the return on plan assets, excluding amounts included in net interest on the net defined benefit liability (asset); and any change in the effect of the asset ceiling, excluding amounts included in net interest on the net defined benefit liability (asset). [Refer: Other comprehensive income; Defined benefit plans [domain]; Plan assets [member]; Net defined benefit liability (asset)] [Contrast: Decrease (increase) in net defined benefit liability (asset) resulting from gain (loss) on remeasurement in other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 135<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_135_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, after reclassification adjustments, related to hedges of net investments in foreign operations. [Refer: Other comprehensive income, before tax]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 39<br> -IssueDate 2025-01-01<br> -Paragraph 102<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=39&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_102_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 9<br> -IssueDate 2025-01-01<br> -Paragraph 6.5.13<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=9&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_6.5.13_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income that will be reclassified to profit or loss, net of tax. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph IG6<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_IG6&amp;doctype=Implementation%20Guidance<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82A&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income that will not be reclassified to profit or loss, net of tax. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph IG6<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_IG6&amp;doctype=Implementation%20Guidance<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82A&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses from continuing and discontinued operations, excluding the components of other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 113<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLoss</td>
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<tr>
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<td>ifrs-full_</td>
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<tr>
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<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of reclassification adjustments related to cash flow hedges, before tax. Reclassification adjustments are amounts reclassified to profit (loss) in the current period that were recognised in other comprehensive income in the current or previous periods. [Refer: Cash flow hedges [member]; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 92<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_92&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of reclassification adjustments related to exchange differences when the financial statements of foreign operations are translated, before tax. Reclassification adjustments are amounts reclassified to profit (loss) in the current period that were recognised in other comprehensive income in the current or previous periods. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 21<br> -IssueDate 2025-01-01<br> -Paragraph 48<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_48&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 92<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_92&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of reclassification adjustments related to financial assets measured at fair value through other comprehensive income, before tax. Reclassification adjustments are amounts reclassified to profit (loss) in the current period that were recognised in other comprehensive income in the current or previous periods. [Refer: Financial assets measured at fair value through other comprehensive income; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -Subparagraph a<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20_a_viii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -Subparagraph a<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_56_a_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -Subparagraph a<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_56_a_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 92<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_92&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of reclassification adjustments related to hedges of net investments in foreign operations, before tax. Reclassification adjustments are amounts reclassified to profit (loss) in the current period that were recognised in other comprehensive income in the current or previous periods. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 39<br> -IssueDate 2025-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=39&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 9<br> -IssueDate 2025-01-01<br> -Paragraph 6.5.14<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=9&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_6.5.14&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 92<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_92&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Share of the other comprehensive income of associates and joint ventures accounted for using the equity method that will be reclassified to profit or loss, net of tax.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82A&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Share of the other comprehensive income of associates and joint ventures accounted for using the equity method that will not be reclassified to profit or loss, net of tax.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82A&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_StatementOfComprehensiveIncomeAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AmountsTransferredToInitialCarryingAmountOfHedgedItemsBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amounts Transferred To Initial Carrying Amount Of Hedged Items, Before Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AmountsTransferredToInitialCarryingAmountOfHedgedItemsBeforeTax</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgedItem">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Changes In The Fair Value Of Equity Instruments Measured At Fair Value Through Other Comprehensive Income (Hedged Item)</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgedItem</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgingInstrument">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Changes In The Fair Value Of Equity Instruments Measured At Fair Value Through Other Comprehensive Income (Hedging Instrument)</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ChangesInTheFairValueOfEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeHedgingInstrument</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GainsLossesOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains (Losses) On Non-Current Assets Classified As Held For Sale, Before Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GainsLossesOnRemeasuringHedgingInstrumentsNotDesignatedBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains (Losses) On Remeasuring Hedging Instruments Not Designated, Before Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesOnRemeasuringHedgingInstrumentsNotDesignatedBeforeTax</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NonCurrentAssetsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Non-Current Assets Held-For-Sale That Will Not Be Reclassified To Profit Or Loss, Before Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NonCurrentAssetsHeldForSaleThatWillNotBeReclassifiedToProfitOrLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Comprehensive Income, Before Tax, Hedging Instruments Not Designated</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Comprehensive Income, Before Tax, Non-Current Assets Classified As Held-For-Sale</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Reclassification Adjustments On Cash Flow Hedges, Before Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Reclassification Adjustments On Exchange Differences On Translation, Before Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income, Before Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Reclassification Adjustments On Hedges Of Net Investments In Foreign Operations, Before Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Reclassification Adjustments On Hedging Instruments Not Designated, Before Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Reclassification Adjustments On Non-Current Assets Classified As Held For Sale, Before Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Reclassification Adjustments On Hedging Instruments Not Designated, Before Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Reclassification Adjustments On Non-Current Assets Classified As Held For Sale, Before Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ReclassificationAdjustmentsOnNonCurrentAssetsClassifiedAsHeldForSaleBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Consolidated Statements of Changes in Total Equity - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Total</div></th>
<th class="th"><div>Capital</div></th>
<th class="th"><div>Share premium</div></th>
<th class="th"><div>Equity instruments issued (not capital)</div></th>
<th class="th"><div>Other equity instruments</div></th>
<th class="th"><div>Accumulated retained earnings</div></th>
<th class="th"><div>Revaluation reserves</div></th>
<th class="th"><div>Other reserves</div></th>
<th class="th"><div>(-) Own shares</div></th>
<th class="th"><div>Profit attributable&#160;to shareholders of the parent</div></th>
<th class="th"><div>(-) Interim dividends</div></th>
<th class="th"><div>Other comprehensive income</div></th>
<th class="th"><div>Non-controlling interest, other comprehensive income</div></th>
<th class="th"><div>Non-controlling interest, other elements</div></th>
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<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at beginning of period (Previously stated) at Dec. 31, 2022</a></td>
<td class="nump">&#8364; 97,585<span></span>
</td>
<td class="nump">&#8364; 8,397<span></span>
</td>
<td class="nump">&#8364; 46,273<span></span>
</td>
<td class="nump">&#8364; 688<span></span>
</td>
<td class="nump">&#8364; 175<span></span>
</td>
<td class="nump">&#8364; 66,702<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="num">&#8364; (5,454)<span></span>
</td>
<td class="num">&#8364; (675)<span></span>
</td>
<td class="nump">&#8364; 9,605<span></span>
</td>
<td class="num">&#8364; (979)<span></span>
</td>
<td class="num">&#8364; (35,628)<span></span>
</td>
<td class="num">&#8364; (1,856)<span></span>
</td>
<td class="nump">&#8364; 10,337<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at beginning of period (Adjustments due to changes in accounting policies) at Dec. 31, 2022</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at beginning of period (Adjustments due to errors) at Dec. 31, 2022</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at beginning of period at Dec. 31, 2022</a></td>
<td class="nump">97,585<span></span>
</td>
<td class="nump">8,397<span></span>
</td>
<td class="nump">46,273<span></span>
</td>
<td class="nump">688<span></span>
</td>
<td class="nump">175<span></span>
</td>
<td class="nump">66,702<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(5,454)<span></span>
</td>
<td class="num">(675)<span></span>
</td>
<td class="nump">9,605<span></span>
</td>
<td class="num">(979)<span></span>
</td>
<td class="num">(35,628)<span></span>
</td>
<td class="num">(1,856)<span></span>
</td>
<td class="nump">10,337<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncome', window );">Total recognised income and expense</a></td>
<td class="nump">12,797<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">11,076<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">320<span></span>
</td>
<td class="nump">294<span></span>
</td>
<td class="nump">1,107<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInEquityOtherThanComprehensiveIncome', window );">Other changes in equity</a></td>
<td class="num">(6,141)<span></span>
</td>
<td class="num">(305)<span></span>
</td>
<td class="num">(1,900)<span></span>
</td>
<td class="nump">32<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="nump">7,412<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(297)<span></span>
</td>
<td class="num">(403)<span></span>
</td>
<td class="num">(9,605)<span></span>
</td>
<td class="num">(319)<span></span>
</td>
<td class="nump">288<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="num">(1,067)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssueOfEquity', window );">Issuance of ordinary shares</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IssuanceOfPreferredShares', window );">Issuance of preferred shares</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IssuanceOfOtherFinancialInstruments', window );">Issuance of other financial instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MaturityOfOtherFinancialInstruments', window );">Maturity of other financial instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments', window );">Conversion of financial liabilities into equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReductionOfIssuedCapital', window );">Capital reduction</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(305)<span></span>
</td>
<td class="num">(1,900)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">305<span></span>
</td>
<td class="nump">1,900<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsPaid', window );">Dividends</a></td>
<td class="num">(3,009)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(963)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,298)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(748)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchaseOfTreasuryShares', window );">Purchase of equity instruments</a></td>
<td class="num">(3,109)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(3,109)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CancellationOfTreasuryShares', window );">Disposal of equity instruments</a></td>
<td class="nump">819<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13<span></span>
</td>
<td class="nump">806<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TransferFromEquityToLiabilities', window );">Transfer from equity to liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TransferFromLiabilitiesToEquity', window );">Transfer from liabilities to equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersBetweenEquityItems', window );">Transfers between equity items</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,375<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(37)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(9,605)<span></span>
</td>
<td class="nump">979<span></span>
</td>
<td class="nump">288<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="num">(3)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary', window );">Increases (decreases) due to business combinations</a></td>
<td class="num">(364)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(364)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions', window );">Share-based payment</a></td>
<td class="num">(60)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(60)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity', window );">Others increases or (-) decreases in equity</a></td>
<td class="num">(419)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">32<span></span>
</td>
<td class="nump">80<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(578)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">47<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at end of period (Previously stated) at Dec. 31, 2023</a></td>
<td class="nump">104,241<span></span>
</td>
<td class="nump">8,092<span></span>
</td>
<td class="nump">44,373<span></span>
</td>
<td class="nump">720<span></span>
</td>
<td class="nump">195<span></span>
</td>
<td class="nump">74,114<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(5,751)<span></span>
</td>
<td class="num">(1,078)<span></span>
</td>
<td class="nump">11,076<span></span>
</td>
<td class="num">(1,298)<span></span>
</td>
<td class="num">(35,020)<span></span>
</td>
<td class="num">(1,559)<span></span>
</td>
<td class="nump">10,377<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at end of period (Adjustments due to changes in accounting policies) at Dec. 31, 2023</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at end of period (Adjustments due to errors) at Dec. 31, 2023</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at end of period at Dec. 31, 2023</a></td>
<td class="nump">104,241<span></span>
</td>
<td class="nump">8,092<span></span>
</td>
<td class="nump">44,373<span></span>
</td>
<td class="nump">720<span></span>
</td>
<td class="nump">195<span></span>
</td>
<td class="nump">74,114<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(5,751)<span></span>
</td>
<td class="num">(1,078)<span></span>
</td>
<td class="nump">11,076<span></span>
</td>
<td class="num">(1,298)<span></span>
</td>
<td class="num">(35,020)<span></span>
</td>
<td class="num">(1,559)<span></span>
</td>
<td class="nump">10,377<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncome', window );">Total recognised income and expense</a></td>
<td class="nump">11,405<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,574<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,878)<span></span>
</td>
<td class="num">(461)<span></span>
</td>
<td class="nump">1,170<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInEquityOtherThanComprehensiveIncome', window );">Other changes in equity</a></td>
<td class="num">(8,319)<span></span>
</td>
<td class="num">(516)<span></span>
</td>
<td class="num">(4,294)<span></span>
</td>
<td class="num">(720)<span></span>
</td>
<td class="nump">22<span></span>
</td>
<td class="nump">8,212<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(225)<span></span>
</td>
<td class="nump">1,010<span></span>
</td>
<td class="num">(11,076)<span></span>
</td>
<td class="num">(234)<span></span>
</td>
<td class="nump">303<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(801)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssueOfEquity', window );">Issuance of ordinary shares</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IssuanceOfPreferredShares', window );">Issuance of preferred shares</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IssuanceOfOtherFinancialInstruments', window );">Issuance of other financial instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MaturityOfOtherFinancialInstruments', window );">Maturity of other financial instruments</a></td>
<td class="num">(1,341)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(751)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(590)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments', window );">Conversion of financial liabilities into equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReductionOfIssuedCapital', window );">Capital reduction</a></td>
<td class="num">(93)<span></span>
</td>
<td class="num">(516)<span></span>
</td>
<td class="num">(4,294)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">516<span></span>
</td>
<td class="nump">4,294<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(93)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsPaid', window );">Dividends</a></td>
<td class="num">(3,677)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,485)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,532)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(660)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchaseOfTreasuryShares', window );">Purchase of equity instruments</a></td>
<td class="num">(4,038)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(4,038)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CancellationOfTreasuryShares', window );">Disposal of equity instruments</a></td>
<td class="nump">762<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="nump">754<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TransferFromEquityToLiabilities', window );">Transfer from equity to liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TransferFromLiabilitiesToEquity', window );">Transfer from liabilities to equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersBetweenEquityItems', window );">Transfers between equity items</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9,697<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(215)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(11,076)<span></span>
</td>
<td class="nump">1,298<span></span>
</td>
<td class="nump">303<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(7)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary', window );">Increases (decreases) due to business combinations</a></td>
<td class="num">(8)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(8)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions', window );">Share-based payment</a></td>
<td class="num">(62)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(62)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity', window );">Others increases or (-) decreases in equity</a></td>
<td class="nump">138<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">31<span></span>
</td>
<td class="nump">84<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(534)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">557<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at end of period (Previously stated) at Dec. 31, 2024</a></td>
<td class="nump">107,327<span></span>
</td>
<td class="nump">7,576<span></span>
</td>
<td class="nump">40,079<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">217<span></span>
</td>
<td class="nump">82,326<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(5,976)<span></span>
</td>
<td class="num">(68)<span></span>
</td>
<td class="nump">12,574<span></span>
</td>
<td class="num">(1,532)<span></span>
</td>
<td class="num">(36,595)<span></span>
</td>
<td class="num">(2,020)<span></span>
</td>
<td class="nump">10,746<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at end of period (Adjustments due to changes in accounting policies) at Dec. 31, 2024</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at end of period (Adjustments due to errors) at Dec. 31, 2024</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at end of period at Dec. 31, 2024</a></td>
<td class="nump">107,327<span></span>
</td>
<td class="nump">7,576<span></span>
</td>
<td class="nump">40,079<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">217<span></span>
</td>
<td class="nump">82,326<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(5,976)<span></span>
</td>
<td class="num">(68)<span></span>
</td>
<td class="nump">12,574<span></span>
</td>
<td class="num">(1,532)<span></span>
</td>
<td class="num">(36,595)<span></span>
</td>
<td class="num">(2,020)<span></span>
</td>
<td class="nump">10,746<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncome', window );">Total recognised income and expense</a></td>
<td class="nump">13,642<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">14,101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,911)<span></span>
</td>
<td class="nump">53<span></span>
</td>
<td class="nump">1,399<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInEquityOtherThanComprehensiveIncome', window );">Other changes in equity</a></td>
<td class="num">(8,221)<span></span>
</td>
<td class="num">(231)<span></span>
</td>
<td class="num">(3,287)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">56<span></span>
</td>
<td class="nump">9,633<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,556)<span></span>
</td>
<td class="num">(28)<span></span>
</td>
<td class="num">(12,574)<span></span>
</td>
<td class="num">(166)<span></span>
</td>
<td class="nump">532<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="num">(620)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssueOfEquity', window );">Issuance of ordinary shares</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IssuanceOfPreferredShares', window );">Issuance of preferred shares</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IssuanceOfOtherFinancialInstruments', window );">Issuance of other financial instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MaturityOfOtherFinancialInstruments', window );">Maturity of other financial instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments', window );">Conversion of financial liabilities into equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReductionOfIssuedCapital', window );">Capital reduction</a></td>
<td class="num">(8)<span></span>
</td>
<td class="num">(231)<span></span>
</td>
<td class="num">(3,287)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">231<span></span>
</td>
<td class="nump">3,287<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(8)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsPaid', window );">Dividends</a></td>
<td class="num">(4,237)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,643)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,698)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(896)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchaseOfTreasuryShares', window );">Purchase of equity instruments</a></td>
<td class="num">(4,081)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(4,081)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CancellationOfTreasuryShares', window );">Disposal of equity instruments</a></td>
<td class="nump">800<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">34<span></span>
</td>
<td class="nump">766<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TransferFromEquityToLiabilities', window );">Transfer from equity to liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TransferFromLiabilitiesToEquity', window );">Transfer from liabilities to equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersBetweenEquityItems', window );">Transfers between equity items</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">11,276<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(766)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(12,574)<span></span>
</td>
<td class="nump">1,532<span></span>
</td>
<td class="nump">532<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="num">(20)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary', window );">Increases (decreases) due to business combinations</a></td>
<td class="num">(5)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(5)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions', window );">Share-based payment</a></td>
<td class="num">(67)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(67)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity', window );">Others increases or (-) decreases in equity</a></td>
<td class="num">(623)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">123<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,055)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">309<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at end of period at Dec. 31, 2025</a></td>
<td class="nump">&#8364; 112,748<span></span>
</td>
<td class="nump">&#8364; 7,345<span></span>
</td>
<td class="nump">&#8364; 36,792<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 273<span></span>
</td>
<td class="nump">&#8364; 91,959<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="num">&#8364; (7,532)<span></span>
</td>
<td class="num">&#8364; (96)<span></span>
</td>
<td class="nump">&#8364; 14,101<span></span>
</td>
<td class="num">&#8364; (1,698)<span></span>
</td>
<td class="num">&#8364; (37,974)<span></span>
</td>
<td class="num">&#8364; (1,947)<span></span>
</td>
<td class="nump">&#8364; 11,525<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CancellationOfTreasuryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of treasury stock cancelled during the period. [Refer: Treasury shares]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CancellationOfTreasuryShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of change in equity resulting from transactions and other events, other than those changes resulting from transactions with owners in their capacity as owners.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause ix<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_ix&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DividendsPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of dividends recognised as distributions to owners.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 138<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_138&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 107<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_107&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DividendsPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Equity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of residual interest in the assets of the entity after deducting all its liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Equity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in equity resulting from the acquisition of subsidiaries. [Refer: Total for all subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in equity resulting from the conversion of convertible instruments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in equity resulting from share-based payment transactions. [Refer: Equity]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in equity resulting from changes that the entity does not separately disclose in the same statement or note. [Refer: Equity]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IssueOfEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase in equity through the issue of equity instruments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IssueOfEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PurchaseOfTreasuryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease in equity resulting from the purchase of treasury shares. [Refer: Treasury shares]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PurchaseOfTreasuryShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReductionOfIssuedCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease in equity resulting from a reduction in issued capital. [Refer: Issued capital]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReductionOfIssuedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseInEquityOtherThanComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of change in equity resulting from transactions and other events other than those classified as comprehensive income.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseInEquityOtherThanComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughTransfersBetweenEquityItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in equity resulting from transfers between equity items.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughTransfersBetweenEquityItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IssuanceOfOtherFinancialInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Issuance Of Other Financial Instruments</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IssuanceOfOtherFinancialInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IssuanceOfPreferredShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Issuance Of Preferred Shares</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IssuanceOfPreferredShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MaturityOfOtherFinancialInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Maturity Of Other Financial Instruments</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MaturityOfOtherFinancialInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TransferFromEquityToLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfer From Equity To Liabilities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TransferFromEquityToLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TransferFromLiabilitiesToEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transfer From Liabilities To Equity</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TransferFromLiabilitiesToEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis=ifrs-full_PreviouslyStatedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis=ifrs-full_PreviouslyStatedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis=ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis=ifrs-full_FinancialEffectOfChangesInAccountingPolicyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis=ifrs-full_FinancialEffectOfCorrectionsOfAccountingErrorsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis=ifrs-full_FinancialEffectOfCorrectionsOfAccountingErrorsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Consolidated Statements of Cash Flows - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfCashFlowsAbstract', window );"><strong>Statement of cash flows [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInOperatingActivities', window );">CASH FLOWS FROM OPERATING ACTIVITIES</a></td>
<td class="num">&#8364; (14,835)<span></span>
</td>
<td class="num">&#8364; (24,155)<span></span>
</td>
<td class="nump">&#8364; 5,015<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit or loss for the year</a></td>
<td class="nump">15,500<span></span>
</td>
<td class="nump">13,744<span></span>
</td>
<td class="nump">12,183<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital', window );">Adjustments made to obtain the cash flows from operating activities</a></td>
<td class="nump">31,347<span></span>
</td>
<td class="nump">28,361<span></span>
</td>
<td class="nump">26,948<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense', window );">Depreciation and amortisation cost</a></td>
<td class="nump">3,178<span></span>
</td>
<td class="nump">3,179<span></span>
</td>
<td class="nump">3,086<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherAdjustmentsForNoncashItems', window );">Other adjustments</a></td>
<td class="nump">28,169<span></span>
</td>
<td class="nump">25,182<span></span>
</td>
<td class="nump">23,862<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdjustmentsForDecreaseIncreaseInOperatingAssets', window );">Net increase/(decrease) in operating assets</a></td>
<td class="nump">119,257<span></span>
</td>
<td class="nump">117,996<span></span>
</td>
<td class="nump">74,982<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading', window );">Financial assets held-for-trading</a></td>
<td class="nump">25,776<span></span>
</td>
<td class="nump">62,460<span></span>
</td>
<td class="nump">18,332<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdjustmentsForDecreaseIncreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">1,867<span></span>
</td>
<td class="nump">31<span></span>
</td>
<td class="nump">286<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughProfitOrLoss', window );">Financial assets at fair value through profit or loss</a></td>
<td class="nump">146<span></span>
</td>
<td class="num">(1,850)<span></span>
</td>
<td class="nump">874<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="num">(6,733)<span></span>
</td>
<td class="nump">10,225<span></span>
</td>
<td class="num">(4,470)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost', window );">Financial assets at amortized cost</a></td>
<td class="nump">97,964<span></span>
</td>
<td class="nump">45,995<span></span>
</td>
<td class="nump">60,525<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets', window );">Other operating assets</a></td>
<td class="nump">237<span></span>
</td>
<td class="nump">1,135<span></span>
</td>
<td class="num">(565)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdjustmentsForIncreaseDecreaseInOperatingLiabilities', window );">Net increase/(decrease) in operating liabilities</a></td>
<td class="nump">62,529<span></span>
</td>
<td class="nump">57,616<span></span>
</td>
<td class="nump">46,080<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading', window );">Financial liabilities held-for-trading</a></td>
<td class="nump">20,654<span></span>
</td>
<td class="nump">34,256<span></span>
</td>
<td class="nump">5,450<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">5,858<span></span>
</td>
<td class="num">(3,854)<span></span>
</td>
<td class="num">(11)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">35,719<span></span>
</td>
<td class="nump">34,164<span></span>
</td>
<td class="nump">40,138<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities', window );">Other operating liabilities</a></td>
<td class="nump">298<span></span>
</td>
<td class="num">(6,950)<span></span>
</td>
<td class="nump">503<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities', window );">Income tax recovered/(paid)</a></td>
<td class="num">(4,954)<span></span>
</td>
<td class="num">(5,880)<span></span>
</td>
<td class="num">(5,214)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInInvestingActivities', window );">CASH FLOWS FROM INVESTING ACTIVITIES</a></td>
<td class="nump">534<span></span>
</td>
<td class="num">(3,712)<span></span>
</td>
<td class="num">(5,366)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OutflowsOfCashFromInvestingActivities', window );">Payments</a></td>
<td class="nump">7,925<span></span>
</td>
<td class="nump">11,355<span></span>
</td>
<td class="nump">15,056<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities', window );">Tangible assets</a></td>
<td class="nump">5,854<span></span>
</td>
<td class="nump">8,494<span></span>
</td>
<td class="nump">11,446<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities', window );">Intangible assets</a></td>
<td class="nump">1,805<span></span>
</td>
<td class="nump">2,104<span></span>
</td>
<td class="nump">2,197<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod', window );">Investments</a></td>
<td class="nump">79<span></span>
</td>
<td class="nump">686<span></span>
</td>
<td class="nump">139<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities', window );">Subsidiaries and other business units</a></td>
<td class="nump">187<span></span>
</td>
<td class="nump">71<span></span>
</td>
<td class="nump">1,274<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PurchaseOfNonCurrentAssetsAndLiabilitiesClassifiedAsHeldForSale', window );">Non-current assets held for sale and associated liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherPaymentsOfCashClassifiedAsInvestingActivities', window );">Other payments related to investing activities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InflowsOfCashFromInvestingActivities', window );">Proceeds</a></td>
<td class="nump">8,459<span></span>
</td>
<td class="nump">7,643<span></span>
</td>
<td class="nump">9,690<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities', window );">Tangible assets</a></td>
<td class="nump">5,206<span></span>
</td>
<td class="nump">5,966<span></span>
</td>
<td class="nump">7,074<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities', window );">Intangible assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod', window );">Investments</a></td>
<td class="nump">749<span></span>
</td>
<td class="nump">681<span></span>
</td>
<td class="nump">814<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities', window );">Subsidiaries and other business units</a></td>
<td class="nump">54<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="nump">885<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations', window );">Non-current assets held for sale and associated liabilities</a></td>
<td class="nump">2,450<span></span>
</td>
<td class="nump">988<span></span>
</td>
<td class="nump">917<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherProceedsOfCashClassifiedAsInvestingActivities', window );">Other proceeds related to investing activities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInFinancingActivities', window );">CASH FLOWS FROM FINANCING ACTIVITIES</a></td>
<td class="num">(14,203)<span></span>
</td>
<td class="num">(5,510)<span></span>
</td>
<td class="num">(2,058)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OutflowsOfCashFromFinancingActivities', window );">Payments</a></td>
<td class="nump">17,743<span></span>
</td>
<td class="nump">14,045<span></span>
</td>
<td class="nump">10,187<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsPaidClassifiedAsFinancingActivities', window );">Dividends</a></td>
<td class="nump">3,341<span></span>
</td>
<td class="nump">3,017<span></span>
</td>
<td class="nump">2,261<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RepaymentsOfSubordinatedLiabilities', window );">Subordinated liabilities</a></td>
<td class="nump">8,822<span></span>
</td>
<td class="nump">4,096<span></span>
</td>
<td class="nump">2,931<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PaymentsToRedeemEntityShares', window );">Redemption of own equity instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">751<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PaymentsToAcquireEntityShares', window );">Acquisition of own equity instruments</a></td>
<td class="nump">4,081<span></span>
</td>
<td class="nump">4,038<span></span>
</td>
<td class="nump">3,109<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOutflowsOfCashClassifiedAsFinancingActivities', window );">Other payments related to financing activities</a></td>
<td class="nump">1,499<span></span>
</td>
<td class="nump">2,143<span></span>
</td>
<td class="nump">1,886<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InflowsOfCashFromFinancingActivities', window );">Proceeds</a></td>
<td class="nump">3,540<span></span>
</td>
<td class="nump">8,535<span></span>
</td>
<td class="nump">8,129<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities', window );">Subordinated liabilities</a></td>
<td class="nump">2,287<span></span>
</td>
<td class="nump">7,001<span></span>
</td>
<td class="nump">7,007<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProceedsFromIssuingShares', window );">Issuance of own equity instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProceedsFromSaleOrIssueOfTreasuryShares', window );">Disposal of own equity instruments</a></td>
<td class="nump">815<span></span>
</td>
<td class="nump">765<span></span>
</td>
<td class="nump">825<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherInflowsOfCashClassifiedAsFinancingActivities', window );">Other proceeds related to financing activities</a></td>
<td class="nump">438<span></span>
</td>
<td class="nump">769<span></span>
</td>
<td class="nump">297<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents', window );">EFFECT OF FOREIGN EXCHANGE RATE CHANGES</a></td>
<td class="num">(8,908)<span></span>
</td>
<td class="nump">5,243<span></span>
</td>
<td class="num">(322)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents', window );">NET INCREASE/(DECREASE) IN CASH AND CASH EQUIVALENTS</a></td>
<td class="num">(37,412)<span></span>
</td>
<td class="num">(28,134)<span></span>
</td>
<td class="num">(2,731)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalentsIfDifferentFromStatementOfFinancialPosition', window );">CASH AND CASH EQUIVALENTS AT BEGINNING OF THE YEAR</a></td>
<td class="nump">192,208<span></span>
</td>
<td class="nump">220,342<span></span>
</td>
<td class="nump">223,073<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalentsIfDifferentFromStatementOfFinancialPosition', window );">CASH AND CASH EQUIVALENTS AT END OF THE YEAR</a></td>
<td class="nump">154,796<span></span>
</td>
<td class="nump">192,208<span></span>
</td>
<td class="nump">220,342<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalentsAbstract', window );"><strong>COMPONENTS OF CASH AND CASH EQUIVALENTS AT END OF THE YEAR</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashOnHand', window );">Cash</a></td>
<td class="nump">7,357<span></span>
</td>
<td class="nump">9,253<span></span>
</td>
<td class="nump">8,621<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndBankBalancesAtCentralBanks', window );">Cash equivalents at central banks</a></td>
<td class="nump">135,330<span></span>
</td>
<td class="nump">170,914<span></span>
</td>
<td class="nump">199,932<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherCashAndCashEquivalents', window );">Other financial assets</a></td>
<td class="nump">9,594<span></span>
</td>
<td class="nump">12,041<span></span>
</td>
<td class="nump">11,789<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents', window );">Less, bank overdrafts refundable on demand</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">TOTAL CASH AND CASH EQUIVALENTS AT END OF THE YEAR (EXCLUDING ENTITIES ON SOLD)</a></td>
<td class="nump">152,281<span></span>
</td>
<td class="nump">192,208<span></span>
</td>
<td class="nump">220,342<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RestrictedCashAndCashEquivalents', window );">In which, restricted cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalentsClassifiedAsPartOfDisposalGroupHeldForSale', window );">TOTAL CASH AND CASH EQUIVALENTS AT END OF PERIOD ASSOCIATED WITH NON-CURRENT ASSETS HELD FOR SALE</a></td>
<td class="nump">&#8364; 2,515<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments for decrease (increase) in financial assets held for trading to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Financial assets; Financial assets at fair value through profit or loss, classified as held for trading; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments for decrease (increase) in financial assets measured at amortised cost to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Financial assets; Financial assets at amortised cost; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments for decrease (increase) in financial assets measured at fair value through other comprehensive income to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Financial assets; Financial assets at fair value through other comprehensive income; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments for decrease (increase) in financial assets measured at fair value through profit or loss to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Financial assets; Financial assets at fair value through profit or loss; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments for decrease (increase) in other assets to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Other assets; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments for increase (decrease) in financial liabilities held for trading to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Financial liabilities; Financial liabilities at fair value through profit or loss that meet definition of held for trading; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments for increase (decrease) in financial liabilities measured at amortised cost to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Financial liabilities; Financial liabilities at amortised cost; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments for increase (decrease) in financial liabilities measured at fair value through profit or loss to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Financial liabilities; Financial liabilities at fair value through profit or loss; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments for increase (decrease) in other liabilities to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Other liabilities; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments, other than changes in working capital, to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount that has been withdrawn from an account in excess of existing cash balances. This is considered a short-term extension of credit by the bank. [Refer: Cash and cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BankOverdraftsClassifiedAsCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashAndBankBalancesAtCentralBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash and bank balances held at central banks.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashAndBankBalancesAtCentralBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash on hand and demand deposits, along with short-term, highly liquid investments that are readily convertible to known amounts of cash and that are subject to an insignificant risk of changes in value. [Refer: Cash; Cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_a&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 169<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_169&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 169<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_169&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashAndCashEquivalentsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashAndCashEquivalentsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashAndCashEquivalentsClassifiedAsPartOfDisposalGroupHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash and cash equivalents that are classified as a part of a disposal group held for sale. [Refer: Cash and cash equivalents; Disposal groups classified as held for sale [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashAndCashEquivalentsClassifiedAsPartOfDisposalGroupHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashAndCashEquivalentsIfDifferentFromStatementOfFinancialPosition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash and cash equivalents in the statement of cash flows when different from the amount of cash and cash equivalents in the statement of financial position. [Refer: Cash and cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashAndCashEquivalentsIfDifferentFromStatementOfFinancialPosition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The aggregate cash flows arising from losing control of subsidiaries or other businesses, classified as investing activities. [Refer: Total for all subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 39<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_39&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromUsedInFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash flows from (used in) financing activities, which are activities that result in changes in the size and composition of the contributed equity and borrowings of the entity, from continuing and discontinued operations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 50<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_50_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromUsedInFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromUsedInInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash flows from (used in) investing activities, which are the acquisition and disposal of long-term assets and other investments not included in cash equivalents, from continuing and discontinued operations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 50<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_50_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromUsedInInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromUsedInOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 50<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_50_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromUsedInOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The aggregate cash flows used in obtaining control of subsidiaries or other businesses, classified as investing activities. [Refer: Total for all subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 39<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_39&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashOnHand">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash held by the entity. This does not include demand deposits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashOnHand</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DividendsPaidClassifiedAsFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for dividends paid by the entity, classified as financing activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DividendsPaidClassifiedAsFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The effect of exchange rate changes on cash and cash equivalents held or due in a foreign currency. [Refer: Cash and cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash flows from income taxes paid or refunded, classified as operating activities. [Refer: Income taxes paid (refund)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 14<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_14_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in cash and cash equivalents after the effect of exchange rate changes on cash and cash equivalents held in foreign currencies. [Refer: Cash and cash equivalents; Effect of exchange rate changes on cash and cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 169<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_169&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 169<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_169&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseInCashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InflowsOfCashFromInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from investing activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 16<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_16&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InflowsOfCashFromInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherAdjustmentsForNoncashItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherAdjustmentsForNoncashItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherCashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash and cash equivalents that the entity does not separately disclose in the same statement or note. [Refer: Cash and cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherCashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OutflowsOfCashFromInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for investing activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 16<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_16&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OutflowsOfCashFromInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from the disposal of non-current assets or disposal groups classified as held for sale and discontinued operations. [Refer: Discontinued operations [member]; Disposal groups classified as held for sale [member]; Non-current assets or disposal groups classified as held for sale]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 16<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_16&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from the issuing of subordinated liabilities. [Refer: Subordinated liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 17<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_17&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromIssuingShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from issuing shares.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 17<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_17_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromIssuingShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromSaleOrIssueOfTreasuryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from the sale or issuing of treasury shares. [Refer: Sale or issue of treasury shares; Treasury shares]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 17<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_17&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromSaleOrIssueOfTreasuryShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from sales of intangible assets, classified as investing activities. [Refer: Intangible assets other than goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 16<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_16_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from sales of investments accounted for using the equity method. [Refer: Investments accounted for using equity method]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 16<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_16&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from sales of property, plant and equipment, classified as investing activities. [Refer: Property, plant and equipment]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 16<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_16_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses from continuing and discontinued operations, excluding the components of other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 113<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for the purchases of intangible assets, classified as investing activities. [Refer: Intangible assets other than goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 16<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_16_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for the purchase of interests in investments accounted for using the equity method. [Refer: Investments accounted for using equity method]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 16<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_16&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for the purchases of property, plant and equipment, classified as investing activities. [Refer: Property, plant and equipment]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 16<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_16_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RepaymentsOfSubordinatedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for repayments of subordinated liabilities. [Refer: Subordinated liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 17<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_17&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RepaymentsOfSubordinatedLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RestrictedCashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash and cash equivalents whose use or withdrawal is restricted. [Refer: Cash and cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RestrictedCashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_StatementOfCashFlowsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_StatementOfCashFlowsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AdjustmentsForDecreaseIncreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments for decrease (increase) in non-trading financial assets mandatorily at fair value through profit or loss to reconcile profit (loss) to net cash flow from (used in) operating activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AdjustmentsForDecreaseIncreaseInNonTradingFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AdjustmentsForDecreaseIncreaseInOperatingAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments for decrease (increase) in operating assets to reconcile profit (loss) to net cash flow from (used in) operating activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AdjustmentsForDecreaseIncreaseInOperatingAssets</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AdjustmentsForIncreaseDecreaseInOperatingLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments for increase (decrease) in operating liabilities to reconcile profit (loss) to net cash flow from (used in) operating activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AdjustmentsForIncreaseDecreaseInOperatingLiabilities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InflowsOfCashFromFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from financing activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InflowsOfCashFromFinancingActivities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherInflowsOfCashClassifiedAsFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Inflows of cash, classified as financing activities, that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherInflowsOfCashClassifiedAsFinancingActivities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherOutflowsOfCashClassifiedAsFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Outflows of cash, classified as financing activities, that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherOutflowsOfCashClassifiedAsFinancingActivities</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherPaymentsOfCashClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Payments Of Cash, Classified As Investing Activities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherPaymentsOfCashClassifiedAsInvestingActivities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherProceedsOfCashClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Proceeds Of Cash Classified As Investing Activities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherProceedsOfCashClassifiedAsInvestingActivities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow from financing activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OutflowsOfCashFromFinancingActivities</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PaymentsToAcquireEntityShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow to acquire entity's shares.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PaymentsToAcquireEntityShares</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PaymentsToRedeemEntityShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Payments To Redeem Entity Shares</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PaymentsToRedeemEntityShares</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PurchaseOfNonCurrentAssetsAndLiabilitiesClassifiedAsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Purchase Of Non-Current Assets And Liabilities Classified As Held-For-Sale</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PurchaseOfNonCurrentAssetsAndLiabilitiesClassifiedAsHeldForSale</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Introduction, basis of presentation of the consolidated financial statements (consolidated annual accounts) and other information<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReclassificationsOrChangesInPresentationAbstract', window );"><strong>Disclosure of reclassifications or changes in presentation [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory', window );">Introduction, basis of presentation of the consolidated financial statements (consolidated annual accounts) and other information</a></td>
<td class="text">Introduction, basis of presentation of the consolidated financial statements (consolidated annual accounts) and other information<div style="margin-bottom:6pt;margin-top:9pt"><span id="i77528bda2ffa40d693c9b52c4c5de603"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Introduction</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:130%">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, where it was constituted and currently maintains its legal domicile, which is paseo de Pereda, numbers 9 to 12, 39004, Santander, Spain.</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:130%">The principal headquarters of Banco Santander are located in Ciudad Grupo Santander, Avenida Cantabria s/n, 28660, Boadilla del Monte, Madrid, Spain.</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:130%">The corporate purpose of Banco Santander, S.A. mainly entails carrying out all kinds of activities, operations and services inherent to the banking business in general and permitted by current legislation, and the acquisition, holding, enjoyment and disposal of all kinds of securities.</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:130%">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'). Therefore, Banco Santander is obliged to prepare, in addition to its own separate financial statements, the Group's consolidated financial statements, which also include the interests in joint ventures and investments in associates.</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:130%">At 31 December 2025, Grupo Santander consisted of 755 subsidiaries of Banco Santander, S.A. In addition, other 191 companies are associates of the Group, joint ventures or companies of which the Group holds more than 5% (excluding the Group companies of negligible interest with respect to the fair presentation that the annual accounts must express).</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:130%">Grupo Santander consolidated financial statements for 2023 were approved by the shareholders at the group&#180;s annual general meeting on 22 March 2024. Grupo Santander consolidated financial statements for 2024 were approved by the shareholders at the group&#180;s annual general meeting on 4 April 2025. The Group's 2025 consolidated financial statements, the financial statements of the parent and of substantially all the Group companies have not been approved yet by their shareholders at the respective annual general meetings. However, Banco Santander board of directors considers that the aforementioned financial statements will be approved without any significant changes.</span></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_847"></div><div style="margin-bottom:6pt"><span id="iec0a94ffd1fd41a3afa9feb654b1cf53"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Basis of presentation of the consolidated financial statements</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:130%">Under Regulation (EC) n.&#186; 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').</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:130%">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, on Public and Confidential Financial Reporting Standards and Financial Statement Formats and the following regulations. </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:130%">Particularly, during 2025 and 2023, the Bank of Spain published Circulars 1/2025 of 19 December of 2025, and 1/2023 of 24 February of 2023, amending Circular 4/2017 of 27 November to credit institutions on Public and Confidential Financial Reporting Standards and Financial Statement Formats.</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:130%">Grupo Santander consolidated financial statements for 2025 were authorised by the Bank's directors (at the board meeting on 24 February 2026) in accordance with International Financial Reporting Standards as adopted by the European Union and with Bank of Spain circular 4/2017 and subsequent modifications, and Spanish corporate and commercial law applicable to the Group, using the basis of consolidation, accounting policies and measurement bases set forth in note 2, accordingly, they present fairly the Group's equity and financial position at 31 December 2025, 2024 and 2023 and the consolidated results of its operations and the consolidated cash flows in 2025, 2024 and 2023. These consolidated annual accounts have been prepared on the basis of the accounting records held by Banco Santander and by each of the other companies of the Group, and include the adjustments and reclassifications required to standardise the accounting policies and valuation criteria applied by Grupo Santander. The consolidated financial statements are also in compliance with IFRS as issued by the International Accounting Standards Board ('IFRS &#8211; IASB' and together with IFRS adopted by the European Union, 'IFRS').</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:130%">The notes to the consolidated financial statements contain additional information to that presented in the consolidated balance sheet, consolidated income statement, consolidated statement of recognised income and expense, consolidated statement of changes in total equity and consolidated statement of cash flows. The notes provide, in a clear, relevant, reliable and comparable manner, narrative descriptions and breakdowns of these statements.</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:130%">The information contained in the consolidated income statement has been reclassified as a result of the change in the presentation for certain charges at 31 December 2025 in the amount of EUR 427&#160;million, mainly levies and other expenses, of which EUR 359&#160;million have been reclassified from the line item 'Other provisions' to the line item 'Other operating expenses'. </span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">The figures of the consolidated annual accounts are presented in millions of euros unless another alternative monetary unit is indicated, rounded to the nearest million unit.</span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i5c5935c78f4d4dd7be2c8ba299bbc585"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Adoption of new standards and interpretations issued</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:130%">The following modifications came into force and were adopted by the European Union in 2025: </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IAS 21 Effects of changes in foreign currency exchange rates: IAS 21 established the requirements to apply when there is a temporary lack of interchangeability between two currencies, but did not give indications when this situation was not temporary. Given this scenario, IAS 21 has been modified establishing the criteria to identify these situations, specifying how entities should estimate the spot exchange rate, the methodologies and data to be considered, as well as the associated disclosure requirements. This modification was applied in advance by the Group on 31 December 2024. For more information, see Note 2.a.iv.</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:130%">The application of the aforementioned amendment to accounting standards and interpretations did not have any material effects on Grupo Santander consolidated financial statements.</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:130%">Likewise, at the date of approval of these consolidated annual accounts, the following standards which effectively came into force have effective dates after 31 December 2025:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;padding-left:3.11pt">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. These amendments will be applicable from 1 January 2026. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;padding-left:3.11pt">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. These modifications will be applicable form 1 January 2026. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IFRS 18 Presentation and Disclosure in Financial Statements, which replaces IAS 1 Presentation of Financial Statements, (i) improves the comparability of the income statement by defining its structure into three categories (operating, investing, and financing) and presenting defined subtotals, including operating profit; (ii) breaks down in the financial statements certain management-defined performance measures related to the income statement; and (iii) improves the aggregation of information for disclosure in the financial statements or notes. The new standard will be applicable from 1 January 2027.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IFRS 1 First-time Adoption of International Financial Reporting Standards, for hedge accounting in first adoption.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IFRS10 Consolidated Financial Statements: Determining a 'de facto agent'.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IAS 7 Statement of Cashflows: replacing the term 'cost method' with 'cost'.</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:121%">Finally, at the date of approval of these consolidated annual accounts, the following standards which effectively come into force after 31 December 2025 had not yet been adopted by the European Union:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IFRS 19 Subsidiaries without Public Accountability: Disclosures: this new standard works alongside other IFRS Accounting Standards. An eligible subsidiary applies the requirements in other IFRS Accounting Standards except for the disclosure requirements and instead applies the reduced disclosure requirements in IFRS 19. A subsidiary is eligible if: (i) it does not have public accountability; and (ii) it has an ultimate or intermediate parent that produces consolidated financial statements available for public use that comply with IFRS Accounting Standards. Applicable from 1 January 2027. </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IFRS 19 Subsidiaries without Public Accountability: Disclosures: these new amendments help eligible subsidiaries reduce disclosures related to IFRS standards and amendments issued between February 2021 and May 2024. With these amendments, IFRS 19 reflects the IFRS changes that will take effect up to 1 January 2027, when IFRS 19 will become applicable.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Amendments to IAS 21 The effects of Changes in Foreign Exchange Rates: Translation to a Hyperinflationary Presentation Currency: establishes how to translate financial statements when the presentation currency is subject to hyperinflation. Requires converting all amounts, including comparatives, at the closing exchange rates and restating them in accordance with IAS 29. Furthermore, introduces additional disclosures to enhance comparability and reduce diversity in practice. Applicable from 1 January 2027, with early application permitted. </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander is currently analyzing the possible effects of these new standards and interpretations, and unless expressly indicated otherwise, no significant impacts are expected from their application.</span></div></div></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">During 2025, the Group completed the project to adapt its accounting policies relating to hedging transactions to the hedge accounting requirements set out in IFRS 9 (see Note 2.d.v). The main impacts of this change on the accounting for hedging relationships are primarily due to: (i) the mandatory separation of the time value of options (when the hedged risk is the intrinsic value); (ii) and the optional separation of the forward element of foreign exchange forward contracts for all hedges, as well as (iii) the separation of the foreign currency basis spread of a foreign exchange derivative for each hedging relationship. The application of these options to hedges designated before 31 December 2024 did not have a material impact on the Group's consolidated statement of financial position or consolidated profit or loss.</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:130%">All accounting policies and measurement bases with a material effect on the consolidated financial statements for 2025 were applied in the preparation of these consolidated annual accounts.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="ic5631b4734934331b08987495b30ceec"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Use of accounting estimates</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:130%">The consolidated results and the determination of consolidated equity are sensitive to the accounting policies, measurement bases and estimates used by Banco Santander in preparing the consolidated financial statements.</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:130%">The main accounting policies and measurement bases are set forth in note 2.</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:130%">In the consolidated financial statements estimates were occasionally made by the senior management of Grupo Santander in order to quantify certain of the assets, liabilities, income, expenses and obligations reported herein. These estimates, which were made on the basis of the best information available, relate basically to the following:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The impairment losses on certain assets: it applies to financial assets at fair value through other comprehensive income, financial assets at amortised cost, non-current assets held for sale, investments, tangible assets and intangible assets (see Notes 6, 7, 10, 12, 13, 16, 17, 18 and 54).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The assumptions used in the actuarial calculation of the post-employment benefit liabilities and commitments and other obligations (see Note 25).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The useful life of the tangible and intangible assets (see Notes 16 and 18).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The measurement of the impairment in goodwill arising on consolidation (see Note 17).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The calculation of provisions and the consideration of contingent liabilities (see Note 25).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The fair value of certain unquoted assets and liabilities (see Notes 6, 7, 8, 9, 10, 11, 20, 21 and 22).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The recoverability of deferred tax assets (see Note 27).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The fair value of the identifiable assets acquired and the liabilities assumed in business combinations in accordance with IFRS 3 (see Note 17).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The measurement of assets under reinsurance contracts and liabilities under insurance contracts (see Note 15).</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:130%">To update the previous estimates, the Group's management has taken into account the current macroeconomic scenario, characterized by persistent geopolitical tensions and changing financial conditions, as well as the evolution of monetary and fiscal policies in major economies. The analysis also considers developments in interest rates, credit spreads, and currency movements, along with labor market trends in the geographies where the Group operates. </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:130%">The Group's management has evaluated in particular the uncertainties caused by the current environment 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, 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, developing in the notes the main estimates made during the period ended December 31, 2025 (see notes 10, 17, 50 and 54). </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:130%">Although these estimates have been made on the basis of the best information available at the end of the year 2025, and considering information updated at the date of preparation of these consolidated annual accounts, it is possible that events that may take place in the future may make it necessary to modify them (upwards or downwards) in the coming years, which would be done, if appropriate, in a prospective manner, recognising the effects of the change in estimate in the corresponding consolidated income statement. </span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="ica94a5d04b5b4435bfdf221d2b51bbbd"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Information relating to 2024 and 2023</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:130%">The information in the consolidated income statement from 2024 and 2023 has been restated, as a result of the agreement for the sale of Santander Bank Polska S.A. by Grupo Santander, as required by IFRS 5 (see, mainly, Notes 3 and 37, as well as the rest of the notes of the profit and loss account).</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:130%">Additionally, the segment information corresponding to the years ended 31 December 2024 and 2023 has been restated, in accordance with the changes in the segments' composition of Grupo Santander, as required by IFRS 8 (see note 52).</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:130%">The information contained in the consolidated income statements relating to the periods 2024 and 2023 has been modified as a result of the retrospective application of the change in the presentation for certain charges in the amounts of EUR 403&#160;million and EUR 352&#160;million, respectively (see Note 1.b).</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:130%">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 Grupo Santander in view of its geographic diversity (see note 52.b) and the impact of the appreciation/depreciation of the various currencies against the euro in 2025, based on the exchange rates at the end of 2025: Mexican peso (2.05%), US dollar (-11.62%), Brazilian real (-0.47%), Argentinian peso (-37.23%), Sterling pound (-4.99%), Chilean peso (-2.57%), and Polish zloty (1.30%); as well as the evolution of the comparable average rates: Mexican peso (-8.95%), US dollar (-4.15%), Brazilian real (-7.86%), Sterling pound (-1.20%), Chilean peso (-4.90%) and Polish zloty (1.56%).</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i41c300dff0b949d19329278ce1680516"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">e) Capital management</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i212efa7d58ed46bd842e545ff56a9c9d"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Regulatory and economic capital</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:130%">Credit institutions must comply with a set of minimum capital and liquidity requirements. These minimum requirements are regulated by the European Capital Requirements Regulation (CRR), which is directly applicable within the Spanish legal framework, and by the Capital Requirements Directive (CRD).</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:130%">On 19 June 2024, the final texts of the update to the banking package were published in the Official Journal of the European Union: Regulation (EU) 2024/1623 (hereinafter, CRR 3), which amends the CRR with regard to requirements for credit risk, credit valuation adjustment risk, operational risk, market risk and the floor on risk-weighted assets (known as the output floor), as well as Directive (EU) 2024/1619 (hereinafter, CRD VI), which amends the CRD as regards supervisory powers, sanctions, third-country branches, and environmental, social and governance risks.</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:130%">The update to the banking package aims, on the one hand, to implement the final Basel III reforms and, on the other, to strengthen the harmonisation of banking supervision within the European Union (EU).</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:130%">CRR 3, applicable since 1 January 2025, introduce greater risk sensitivity into standardised approaches, reduce the variability of risk-weighted assets among banks using internal models to calculate capital requirements, and enhance comparability across banks. </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:130%">Under CRD VI, the ambition to achieve more robust supervision and to safeguard financial stability is reflected in a set of rules affecting fit-and-proper requirements, an extended scope resulting from the revision of certain definitions, and new provisions regarding the establishment of third-country branches in the EU, with the aim of achieving greater regulatory harmonisation and improved supervision of this type of entity.</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:130%">Although most CRR 3 provisions apply since 1 January 2025, for certain provisions the regulator has established a gradual implementation (phase-in) period until 2030 in order to give the industry sufficient time to build up the capital required to meet the requirements on a fully loaded basis.</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:130%">Regarding Market Risk, the European Commission and the European Parliament have approved an additional 12-month delay to the entry into force of the new market risk capital framework, or FRTB, until 1 January 2027. Beyond this date, the CRR 3 does not allow for any further delay, as postponements are limited to two years. This delay also covers other provisions, such as the separation between the trading book and the banking book, the internal risk transfer regime, etc.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The CRR 3/CRD VI package contains 140 mandates for the EBA to develop Level 2 or Level 3 legislation (regulatory technical standards, implementing technical standards and guidelines&#8212;RTS, ITS and GL, for their acronyms) and to issue opinions and reports to further specify certain aspects of the regulation. In this context, the EBA published its roadmap (EBA Roadmap) at the end of 2023, structuring the implementation of the banking package around four sequential phases, under which the authority will address the various mandates in an orderly manner based on their latest legal application dates (up to four years after the entry into force of CRR 3 and CRD VI). In addition, at the end of 2024, the EBA published its 2025 work programme, setting out the guidelines for addressing these mandates during the year. This has resulted in the publication of various consultations throughout the year on RTS, ITS and Guidelines, such as, for example:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Regulatory Technical Standards (RTS) on off-balance-sheet exposures and unconditionally cancellable commitments</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Regulatory Technical Standards (RTS) on material changes to IRB models and model extensions</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Revision of the Guidelines on the revised definition of default</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Regulatory Technical Standards (RTS) and Implementing Technical Standards (ITS) on operational risk</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:130%">In its 2025 Work Programme, the EBA undertook, among other initiatives, the revision of the SREP Guidelines, the consultation for which was published on 24 October, with the aim of updating them based on three pillars: legislative changes (CRR 3 and CRD VI, IRRBB/CSRBB, DORA, etc.), lessons learned, and structural changes intended to improve the usability of the Guidelines. The consultation period was set to run until early February 2026, and following the conclusion of the consultation process, the Guidelines are expected to enter into force on 1 January 2027.</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:130%">On 28 July 2025, the ECB published a revised version of its Guide to Internal Models, with the objective of reflecting the regulatory changes introduced by CRR 3 in relation to internal models for credit, counterparty credit and market risk; clarifying supervisory expectations for internal models that make use of machine learning; and enhancing transparency and supervisory harmonisation. This revision builds on the experience accumulated by the ECB since the first publication of the Guide in 2019.</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:130%">On 25 July 2025, the ECB also published the final Guide on Options and Discretions, following a consultation process launched in November 2024. The Guide introduces clarifications and adjustments to the treatment of market risk and operational risk, as well as to the conditions under which minority interests may be included in group capital, among other aspects.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Regarding resolution regulation, institutions are required to maintain an adequate funding structure to ensure that, in the event of financial distress, they hold sufficient liabilities to absorb losses and either restore viability or be resolved while safeguarding depositor protection and financial stability. To this end, global systemically important institutions are subject to minimum loss-absorbing capacity requirements, namely Total Loss-Absorbing Capacity (TLAC) and the Minimum Requirement for own funds and Eligible Liabilities (MREL), as regulated under CRR 3 and the Bank Recovery and Resolution Directive (BRRD).</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:130%">On 25 October 2022, a regulation on the prudential treatment of global systemically important institutions was published, amending both the CRR and the BRRD with respect to the prudential treatment of G-SIBs with a multiple point of entry (MPE) resolution strategy, as well as the methods for the indirect subscription of eligible instruments (daisy chains) for the purpose of meeting MREL requirements. This regulation, known as the Resolution 'Quick Fix', pursues two main objectives:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The inclusion in the BRRD and CRR 3 of references to third-country subsidiaries allowing for adjustments to the deduction for holdings of TLAC instruments issued by such subsidiaries, based on excess TLAC/MREL at subsidiary level, as well as adjustments in cases where the aggregate own funds and eligible liabilities requirements of a G-SIB under an MPE strategy exceed the theoretical requirements of the same group under a single point of entry (SPE) strategy. This adjustment is therefore based on a comparison between the two possible resolution strategies.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The introduction of a deduction regime for holdings of MREL instruments through entities within the same resolution group other than the resolution entity. The Regulation establishes a deduction at the level of the intermediate entity within the daisy chain that repurchases the instruments. As a result, the intermediate entity is required to issue an equivalent amount, thereby transferring internal MREL needs to the resolution entity, which will cover them with external MREL.</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:130%">In this context, in 2025 the EBA published the Final Report on the draft Implementing Technical Standards (ITS) on resolution planning, aimed at further harmonising reporting requirements.</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:130%">Regarding Deposit Guarantee Schemes (DGS), these are regulated under the Deposit Guarantee Schemes Directive (DGSD), which has not undergone substantial amendments since its publication in 2014. The Directive aims to harmonise DGS across Member States to ensure stability and consistency across countries. It establishes an appropriate framework to improve depositor access to DGS through a clear scope of coverage, short repayment periods, enhanced information, and robust funding requirements. The Directive has been transposed into Spanish law through Royal Decree 2606/1996, as amended by Royal Decree 1041/2021.</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:130%">To ensure the protection of depositors, DGS collect financial resources through contributions from their members, which must be paid at least annually. These annual contributions are determined based on the number of covered deposits and the risk profile of the institutions affiliated with the DGS. The methodology for calculating contributions is set out in the EBA Guidelines (EBA/GL/2023/02).</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In June 2025, the Council and the European Parliament reached a political agreement, which still needs to be finalized at a technical level as a prerequisite for its final formal approval.</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:130%">Within the sustainability field from a prudential perspective, the implementation of the CRR 3/CRD VI package has progressed, introducing specific requirements to integrate environmental, social and governance (ESG) risks into the prudential framework. With the aim of assessing whether a specific prudential treatment is warranted, the CRR establishes three mandates: to assess the availability of ESG risk data; to evaluate the effective risk profile of exposures affected by environmental or social factors; and to analyse the potential effects on financial stability of differentiated prudential treatment, with a view to possible legislative proposals by 31 December 2026.</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:130%">In addition, the CRR 3/CRD VI package introduces disclosure requirements on ESG risks, reporting of ESG risk exposures to competent authorities, and an obligation for institutions to develop specific plans for managing financial risks arising from ESG factors, including those related to transition trends.</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:130%">In this context, the EBA published in January 2025 the Guidelines on the Management of ESG Risks, fulfilling the CRD VI mandate to structurally integrate ESG risks into the European prudential framework. These Guidelines set out minimum standards and reference methodologies for the identification, measurement, management and monitoring of ESG risks, as well as their proper integration into internal governance processes, risk appetite frameworks and strategic planning. The Guidelines also specify minimum requirements for the development of transition plans, which must include metrics, quantifiable targets and time-bound milestones aligned with institutions&#8217; sustainability strategies and prudential requirements. Their application will be mandatory from 11 January 2026, consolidating a prudential framework that strengthens the systematic consideration of ESG risks in supervisory and risk management processes.</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:130%">At the international level, the Basel Committee on Banking Supervision (BCBS) has continued to advance work on ESG-related standards. In June 2025, the Committee published a voluntary framework for the disclosure of climate-related financial risks, aimed at guiding internationally active banks in the provision of qualitative and quantitative information on their exposures to physical and transition risks. The framework acknowledges the still nascent state of climate data availability, consistency and quality, and therefore adopts a flexible approach that allows for the use of different metrics and methodologies. While its adoption will depend on jurisdictional decisions, the Committee considers this framework an important step towards enhancing transparency and international comparability of climate risk disclosures and intends to monitor its implementation with a view to potential future revisions.</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:130%">In the digital field, due to the increase in international crypto assets activities, the EU is moving forward with the integration of Basel standards on crypto-assets through the mandate set out in CRR 3, which will enable the establishment of a harmonised prudential treatment once the legislative process is completed. In fulfilment of the CRR 3 mandate, the EBA has finalised and published the draft Regulatory Technical Standards (RTS) applicable to the calculation of own funds requirements for crypto-asset exposures.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></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:130%">At 31 December 2025 Grupo Santander met the minimum capital requirements established by current legislation (see note 54.d). Additionally, it should be noted that the Group has filed an appeal with the Court of Justice of the European Union (CJEU) requesting the annulment of a decision by the European Central Bank (ECB) related to the treatment of deferred tax assets generated at Banco Santander Brasil, which, if resolved favourably, would have a positive impact of approximately 20 basis points on the Group's CET1, using the amounts at the end of the year.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="ie70a1de3b55a44b49271d59845b59f5e"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">f) Environmental impact</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:130%">In view of the business activities carried on by the Group entities, the Group does not have any environmental liability, expenses, assets, provisions or contingencies that might be material with respect to its consolidated equity, financial position or results (see note 54.a).</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i473fe5075f69455fbd86999117be9fde"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">g) Events after the reporting perio</span><span style="background-color:#ffffff;color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d</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:130%">On 9 January 2026, after obtaining the necessary regulatory approvals and fulfilling the conditions for closing, the Group completed the sale of 49% of the share capital of Santander Bank Polska S.A. and 50% of the share capital of Santander Towarzystwo Funduszy Inwestycyjnych S.A. (TFI, the asset management business in Poland) to Erste Group Bank AG for a total cash amount of approximately EUR 7,000 million. The transaction generated a net capital gain of approximately EUR 1,900 million, which will be recognized in the consolidated income statement for the 2026 financial year. Santander holds the 9.7% of Santander Polska's share capital. </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:130%">The transaction resulted in the loss of effective control over the entity, and therefore, effective as of 9 January 2026, Santander Bank Polska S.A. will cease to be consolidated using the global integration method in the Group's consolidated financial statements from that date forward.</span></div>Additionally, on 3 February 2026, Banco Santander, S.A. ('Santander') announced that it had reached an agreement to acquire Webster Financial Corporation ('Webster'), the parent company of Webster Bank, N.A., for approximately USD 12,200&#160;million (around EUR 10,300&#160;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 subject to the customary conditions for this type of operations, including obtaining the relevant regulatory approvals and the approvals of both Webster's and Santander's shareholders.<span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accounting policies<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfAccountingPoliciesAbstract', window );"><strong>Disclosure Of Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfMaterialAccountingPolicyInformationExplanatory', window );">Accounting policies</a></td>
<td class="text"><div style="margin-bottom:6pt"><span id="i6c87437ff51a472999bdb1c94b145450"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">2. Accounting p</span><span style="color:#ee2724;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">olicies</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:130%">The accounting policies applied in preparing the consolidated financial statements were as follows:</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i313075a9d33d42f0964c13ee80431ee7"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Foreign currency transactions</span></div><div style="margin-bottom:3pt"><span id="i32af6d7657084157bd41fbca042d4a16"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:115%">i. Presentation currency</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:130%">Banco Santander&#8217;s functional and presentation currency is the euro. Also, the presentation currency of the Group is the euro.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="if390cf64de9b4b70a7214304d13a92d3"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Translation of foreign currency balances</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:130%">Foreign currency balances are translated to euros in two consecutive stages:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Translation of foreign currency to the functional currency (currency of the main economic environment in which the entity operates).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Translation to euros of the balances held in the functional currencies of entities whose functional currency is not the euro.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i038cd23e6ca643d4819cd5041865c4b7"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Translation of foreign currency to the functional currency</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:130%">Foreign currency transactions performed by consolidated entities (or entities accounted for using the equity method) not located in European Monetary Union ('EMU') countries are initially recognised in their respective currencies. Monetary items in foreign currency are subsequently translated to their functional currencies using the closing rate.</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:130%">Furthermore:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Non-monetary items measured at historical cost are translated to the functional currency at the exchange rate at the date of acquisition.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Non-monetary items measured at fair value are translated at the exchange rate at the date when the fair value was determined.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Income and expenses are translated at the average exchange rates for the&#160;year for all the transactions performed during the&#160;year. When applying this criterion, the Group considers whether there have been significant changes in the exchange rates in the&#160;year which, in view of their materiality with respect to the consolidated financial statements taken as a whole, would make it necessary to use the exchange rates at the transaction date rather than the aforementioned average exchange rates.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The balances arising from non-hedging forward foreign currency/foreign currency and foreign currency/euro purchase and sale transactions are translated at the closing rates prevailing in the forward foreign currency market for the related maturity.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i18072ffb95a34673a45789fb5332e5c4"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Translation of functional currencies to euros</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:130%">The balances in the financial statements of consolidated entities (or entities accounted for using the equity method) whose functional currency is not the euro are translated to euros as follows:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">-</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt">Assets and liabilities, at the closing rates.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">-</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt">Income and expenses, at the average exchange rates for the&#160;year.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">-</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt">Equity items, at the historical exchange rates.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ia47d2d78cd61478f8daf4a551a61006e"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Recognition of exchange differences</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:130%">The exchange differences arising on the translation of foreign currency balances to the functional currency are generally recognised at their net amount under 'Exchange differences, net' in the consolidated income statement, except for exchange differences arising on financial instruments at fair value through profit or loss, which are recognised in the consolidated income statement without distinguishing them from other changes in fair value, and for exchange differences arising on non-monetary items measured at fair value through equity, which are recognised under 'Other comprehensive income&#8211;Items that may be reclassified to profit or loss&#8211;Exchange differences' except for exchange differences on equity instruments, where the option to irrevocably elect to be measured at fair value through changes in accumulated other comprehensive income, which are recognised in accumulated 'Other Comprehensive Income - Items not to be reclassified to profit or loss - Changes in fair value of equity instruments measured at fair value' through other comprehensive income (see note 29).</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:130%">The exchange differences arising on the translation to euros of the financial statements denominated in functional currencies other than the euro are recognised in 'Other comprehensive income&#8211;Items that may be reclassified to profit or loss&#8211;Exchange differences' in the consolidated balance sheet, whereas those arising on the translation to euros of the financial statements of entities accounted for using the equity method are recognised in equity under 'Other comprehensive income&#8211;Items that may be reclassified to profit or loss and Items not reclassified to profit or loss&#8211;Other recognised income and expense' of investments in subsidiaries, joint ventures and associates (see note 29), until the related item is derecognised, at which time they are recognised in profit or loss.</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:130%">Exchange differences arising on actuarial gains or losses when converting to euros the financial statements denominated in the functional currencies of entities whose functional currency is different from the euro are recognised under equity 'Other comprehensive income&#8211;Items not reclassified to profit or loss&#8211;Actuarial gains or (-) losses' on defined benefit pension plans (see note 29).</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span id="ie550674534bb4738b172fb9dfd58a54d"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iv. Entities located in hyperinflationary economies</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:130%">When a subsidiary operates in a country with hyperinflationary economy, IAS 29 Financial Information in Hyperinflationary Economies is applied, which means that:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Historical cost of non-monetary assets and liabilities and of the various items of equity have to be adjusted to reflect the changes in the purchasing power of the currency due to inflation from their date of acquisition or incorporation into the consolidated balance sheet.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">The different items of the income statement are adjusted by the inflationary index since their generation, with a balancing entry in 'Other comprehensive income'.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">The loss on the net monetary position is recorded in the income for the year against 'Accumulated Other comprehensive income'.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">All components of the financial statements of the subsidiary are translated at the closing exchange rate.</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:130%">The deterioration of the economic situation in Argentina over the last years caused, among other impacts, a significant increase in inflation, which by the end of 2018 had reached 48% per year (147% accumulated in three years). This led the Group to conclude that it was necessary to apply IAS 29 Financial Information in Hyperinflationary Economies to its activities in the country in question in its consolidated financial statements from that year on.</span></div><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2024, Grupo Santander decided to apply an alternative exchange rate for the conversion of its Argentine business in the preparation of its consolidated annual accounts. This decision stemmed from the divergence observed between the official exchange rate and certain macroeconomic variables, primarily inflation, coupled with the fact that for certain transactions, such as the repatriation of dividends, the exchange rate implied in orderly transactions between market participants did not correspond to the official exchange rate. As of 31 December 2024, the alternative exchange rate used was based on the CCL dollar ('c</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:130%">ontado con liquidaci&#243;n'</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">), which is the exchange rate resulting from the sale in US dollars of local bonds denominated in Argentine pesos (bonds with dual peso dollar/denomination). At that date, this rate did not differ significantly from other market rates.</span></div><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">From the second quarter of 2025, and considering the liberalization of the foreign exchange market and the elimination of restrictions on the purchase of foreign currency by individuals, and the value of this CCL dollar exchange rate did not differ significantly from other market rates and the official exchange rate, Grupo Santander started using the official exchange rate as a reference once again. </span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Inflation during 2025, according to the national consumer price index published by the National Statistics and Census Institute, wa</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">s 31.5% for the year (117.8% at 31 December 2024). The official exchange rate as 31 December 2025 was 1,706.38 Argentine pesos per euro (1,071.16 Argentine pesos per euro </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">at 31 December 2024). The exchange rate applied by the Group as at 31 December 2024 was 1,232.39 Argentine pesos per euro.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025, no other country in which the consolidated and associated entities of Grupo Santander are located is considered to have a hyperinflati</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">onary economy in accordance with the criteria establ</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ished in this regard by the International Financial Reporting Standards adopted by the European Union. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i84b8f9220b604b46b4cbd974862c94c9"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">v. Exposure to foreign currency risk</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:130%">Grupo Santander hedges a portion of its long-term foreign currency positions using foreign exchange derivative financial instruments (see note&#160;36). Also, the Group manages foreign exchange risk dynamically by hedging its short-term position (with a potential impact on profit or loss) in order to limit the impact of currency depreciations while optimising the cost of financing the hedges.</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:130%">The following tables show the sensitivity of the consolidated income statement and consolidated equity to percentage changes of &#177; 1% in the foreign exchange rate positions arising from investments in Grupo Santander companies with currencies other than the euro (with its hedges) and in their results (with its hedges), in which the Group maintains significant balances.</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:130%">The estimated effect on the consolidated equity attributable to Grupo Santander and on consolidated profit and loss account of a 1% appreciation of the euro against the corresponding currency 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:20.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.250%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Effect&#160;on&#160;<br/>consolidated&#160;equity</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Effect&#160;on&#160;<br/>consolidated&#160;profit</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Currency</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">US dollar</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(135.0)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(168.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(136.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.5)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chilean peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8.8)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(35.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.3)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pound sterling</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(88.1)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(96.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(79.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.6)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexican peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32.5)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(33.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(36.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.5)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazilian real</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(141.2)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(144.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(175.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.8)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Polish zloty</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12.8)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(25.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(48.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentine peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21.3)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(18.3)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.5)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.7)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6.6)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.2)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">Similarly, the estimated effect on the Group&#8217;s consolidated equity and on consolidated profit and loss account of a 1% depreciation of the euro against the corresponding currency 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:20.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.250%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Effect&#160;on&#160;<br/>consolidated&#160;equity</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Effect&#160;on&#160;<br/>consolidated&#160;profit</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Currency</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">US dollar</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137.8&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">171.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">139.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chilean peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.4&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pound sterling</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">89.9&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">98.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.7&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexican peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33.1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazilian real</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">144.0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">147.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">179.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.9&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Polish </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">zloty</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentine peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21.7&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.7&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.7&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.8&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.7&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.2&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The above data were obtained as follows:</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a)&#160;&#160;&#160;&#160;Effect on consolidated equity: in accordance with the accounting policy detailed in note&#160;2.a.iii, foreign exchange rate impact arising on the translation to euros of the financial statements in the functional currencies of the Group entities whose functional currency is not the euro are recognised in consolidated equity. The potential effect that a change in the exchange rates of the related currency would have on the Group&#8217;s consolidated equity was therefore determined by applying the aforementioned change to the net value of each unit&#8217;s assets and liabilities&#160;-including, where appropriate, the related goodwill- and by taking into consideration the offsetting effect of the hedges of net investments in foreign operations.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b)&#160;&#160;&#160;&#160;Effect on consolidated profit: the effect was determined by applying the up and down movements in the average exchange rates of the&#160;year, as indicated in note&#160;2.a.ii (except in the case of Argentina, which is a hyperinflationary economy and has applied the closing exchange rate), to translate to euros the income and expenses of the consolidated entities whose functional currency is not the euro, taking into consideration, where appropriate, the offsetting effect of the various hedging transactions in place.</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:130%">The estimates used to obtain the foregoing data were performed considering the effects of the changes in the exchange rate in standalone basis not considering the effect of the performance of other variables whose changes would affect equity and profit or loss, such as variations in the interest rates of the reference currencies or other market factors. Accordingly, all variables other than the exchange rate variations were kept constant with respect to their positions at 31 December 2025, 2024 and 2023.</span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i7e4cbf6a510148feb7d656255369d612"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Basis of consolidation</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="i7ea75d2224d24132ad0d68788a875a0f"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Subsidiaries</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:130%">Subsidiaries are defined as entities over which the Bank has the capacity to exercise control. The Bank controls an entity when it is exposed, or has rights, to variable returns from its involvement with the investee and has the ability to affect those returns through its power over the investee.</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:130%">The financial statements of the subsidiaries are fully consolidated with those of the Bank. Accordingly, all balances and effects of the transactions between consolidated companies are eliminated on consolidation.</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:130%">On acquisition of control of a subsidiary, its assets, liabilities and contingent liabilities are recognised at their acquisition-date fair values. Any positive differences between the acquisition cost and the fair values of the identifiable net assets acquired are recognised as goodwill (see note&#160;17). Negative differences are recognised in profit or loss on the date of acquisition.</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:130%">Additionally, the share of third parties of Grupo Santander equity is presented under 'Non-controlling interests' in the consolidated balance sheet (see note&#160;28). Their share of the profit for the&#160;year is presented under 'Profit attributable to non-controlling interests' in the consolidated income statement.</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:130%">The results of subsidiaries acquired during the&#160;year are included in the consolidated income statement from the date of acquisition to&#160;year-end. Similarly, the results of subsidiaries for which control is lost during the year are included in the consolidated income statement from the beginning of the&#160;year to the date of disposal.</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:130%">At 31 December 2025, apart from the structured consolidated entities, Grupo Santander does not control any company in which it maintains a percentage of direct participation in its share capital of less than 50% and in where other elements exist which, considered together, would grant give it decision-making power over its relevant activities. </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:130%">The appendices contain significant information on the subsidiaries.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i38d586ae55fc4821b1ffac137bad82be"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Interests in joint ventures</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:130%">Joint ventures are deemed to be entities that are not subsidiaries but which are jointly controlled by two or more unrelated entities. This is evidenced by contractual arrangements whereby two or more parties have interests in entities so that decisions about the relevant activities require the unanimous consent of all the parties sharing control.</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:130%">In the consolidated financial statements, investments in joint ventures are accounted for using the equity method, i.e. at the Group&#8217;s share of net assets of the investee, after taking into account the dividends received therefrom and other equity eliminations. The profits and losses resulting from transactions with a joint venture are eliminated to the extent of the Group&#8217;s interest therein.</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:130%">The appendices contain relevant information on the joint ventures.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span><br/></span></div></div><div style="margin-bottom:3pt"><span id="i91876a6de5e5419ca945e452a331186a"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Associates</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:130%">Associates are entities over which Banco Santander is in a position to exercise significant influence, but not control or joint control. It is presumed that Banco Santander exercises significant influence if it holds 20% or more of the voting power of the investee.</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:130%">In the consolidated financial statements, investments in associates are accounted for using the equity method, with the same criteria applicable to shares in joint ventures.</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:130%">There are certain investments in entities which, although Grupo Santander owns 20% or more of their voting power, are not considered to be associates because the Group is not in a position to exercise significant influence over them. As of 31 December 2024 and 2023, the investment in Project Quasar Investments 2017, S.L. was in this situation, despite maintaining a 49% stake in the share capital. The rest of the investments are not significant for the Group.</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:130%">There are also certain investments in associates where the Group owns less than 20% of the voting rights, as it is determined that it has the capacity to exercise significant influence over them. The impact of these companies is immaterial in the Group's consolidated financial statements.</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:130%">The appendices contain significant information on the associates.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i9d9e2713fdf44f24b2f9f981a1485b35"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:125%">iv. Structured entities</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:130%">In some cases, Grupo Santander incorporates entities, or holds ownership interests therein, to enable its customers to access certain investments, or for the transfer of risks or other purposes. Those entities are called 'structured entities' and they are characterized by the fact that since the voting, or similar power is not a key factor in deciding who controls the entity. The control is determined by using internal criteria and procedures and taking into consideration the applicable legislation, as described above. Specifically, for those entities to which this policy applies (mainly investment funds and pension funds), the Group analyses the following factors:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Percentage of ownership held by Grupo Santander; 20% is established as the general threshold.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Identification of the fund manager, and verification as to whether it is a company controlled by the Group since this could affect Grupo Santander ability to direct the relevant activities.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Existence of agreements between investors that might require decisions to be taken jointly by the investors, rather than by the fund manager.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Existence of currently exercisable removal rights (possibility of removing the manager from his position), since the existence of such rights might limit the manager&#8217;s power over the fund, and it may be concluded that the manager is acting as an agent of the investors.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Analysis of the fund manager&#8217;s remuneration regime, taking into consideration that a remuneration regime that is proportionate to the service rendered does not, generally, create exposure of such importance as to indicate that the manager is acting as the principal. Conversely, if the remuneration regime is not proportionate to the service rendered, this might give rise to an exposure that would lead the Group to a different conclusion.</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:130%">These structured entities also include the securitisation special purpose vehicles, which are consolidated in the case of the Special Purpose Vehicles (SPVs) over which, being exposed to variable yield, it is considered that the Group continues to exercise control.</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:130%">The exposure associated with unconsolidated structured entities, additional to investments in the equity of investment funds (note 8), are not material with respect to the Group&#8217;s consolidated financial statements.</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="i0b07bb2d7be5496db27d6abd8f73d1ed"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">v. Business combinations</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:130%">A business combination is the bringing together of two or more separate entities or economic units into one single entity or group of entities.</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:130%">Business combinations whereby Grupo Santander obtains control over an entity or a business are recognised for accounting purposes as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Grupo Santander measures the cost of the business combination, which is normally the consideration transferred, defined as the acquisition-date fair values of the assets transferred, the liabilities incurred to the former owners of the acquiree and the equity instruments issued, if any, by the acquirer. In cases where the amount of the consideration to be transferred has not been definitively established at the acquisition date, but rather depends on future events, any contingent consideration is recognised as part of the consideration transferred and measured at its acquisition-date fair value. Moreover, acquisition-related costs do not for these purposes form part of the cost of the business combination.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The fair values of the assets, liabilities and contingent liabilities of the acquired entity or business, including any intangible assets identified in the business combination which might not have been recognised by the acquiree, are estimated and recognised in the consolidated balance sheet; the Group also estimates the amount of any non-controlling interests and the fair value of the previously held equity interest in the acquiree.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Any positive difference between the aforementioned items is recognised as discussed in note&#160;2.m. Any negative difference is recognised under 'Negative Goodwill' recognised in the consolidated income statement.</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:130%">Goodwill is only calculated and recognised once, when control of a business or an entity is obtained.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i6a769ab0d2a443dab0214ae16c9258bb"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">vi. Changes in the levels of ownership interests in subsidiaries</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:130%">Acquisitions and disposals not giving rise to a change in control are recognised as equity transactions, and no gain or loss is recognised in the income statement and the initially recognised goodwill is not remeasured. The difference between the consideration transferred or received and the decrease or increase in non-controlling interests, respectively, is recognised in reserves.</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:130%">Similarly, when control over a subsidiary is lost, the assets, liabilities and non-controlling interests and any other items recognised in 'Other Comprehensive income' of that company are derecognised from the consolidated balance sheet, and the fair value of the consideration received and of any remaining equity interest is recognised. The difference between these amounts is recognised in profit or loss.</span></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_877"></div><div style="margin-bottom:3pt"><span id="ib580f35b45a145e6860563a14557fd91"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Classification of financial instruments</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:130%">A financial instrument is any contract that gives rise to a financial asset of one entity and a financial liability or an equity instrument of another entity.</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:130%">The following transactions are not treated for accounting purposes as financial instruments:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Investments in associates and joint venture when accounted for using the equity method in accordance with IAS 28 (see note&#160;13).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Rights and obligations under employee benefit plans recognized in accordance with IAS 19 (see note&#160;25).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Insurance contracts and the rights and obligations directly arising from them, within the scope of IFRS 17 (see note&#160;15).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Contracts and obligations relating to employee remuneration based on own equity instruments accounted for in accordance with IFRS 2 (see note&#160;34).</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="i590d74e518514c8197e9c502f9837b18"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Classification of financial assets for measurement purposes</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:130%">Financial assets are classified into the various categories used for management and measurement purposes, unless they have to be presented as 'Non-current assets held for sale' or they relate to 'Cash, cash balances at central banks and other deposits on demand', 'Changes in the fair value of hedged items in portfolio hedges of interest rate risk (asset side)', 'Hedging derivatives and Investments', which are reported separately.</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:130%">Classification of financial instruments: the classification criteria for financial assets depends on the business model for their management and the characteristics of their contractual flows.</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:130%">Grupo Santander business models refer to the way in which it manages its financial assets to generate cash flows. In defining these models, the Group takes into account the following factors:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">How key entity staff are assessed and reported on the performance of the business model and the financial assets held in the business model.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The risks that affect the performance of the business model (and the financial assets held in the business model) and, specifically, the way in which these risks are managed.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The way in which business managers are remunerated.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The frequency, the calendar and volume of sales in previous years, as well as expectations of future sales and the reasons of the sales.</span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The analysis of the characteristics of the contractual cash flows of financial assets requires an assessment of the congruence of these flows with a basic loan agreement. The Group determines if the contractual cash flows of its financial assets that are only principal and interest payments on the outstanding principal amount at the beginning of the transaction. This analysis takes into consideration four factors (performance, contractual clauses, contractually linked products and currencies). Furthermore, among the most significant judgements used by the Group in carrying out this analysis, the following ones are included:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The return on the financial asset, in particular in cases of periodic interest rate adjustments where the term of the reference rate does not coincide with the frequency of the adjustment. In these cases, an assessment is made to determine whether or not the contractual cash flows differ significantly from the flows without this change in the time value of money, establishing a tolerance level of 5%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">When contractual clauses that may modify the cash flows of the financial asset exist, the structure of the cash flows before and after the activation of such clauses is analysed, regardless of the probability of occurrence of the contingent event. The evaluation of contractual flows of financial assets with characteristics associated with ESG (Environmental, Social and Governance) is included in this analysis. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Financial assets whose cash flows have different priority for payment due to a contractual link to underlying assets (e.g. securitization instruments or similar structures) require a look-through analysis by the Group so as to review that both the financial asset and the underlying assets are only principal and interest payments and that the exposure to credit risk of analyzed segment does not exceed the average exposure of the underlying assets of the instrument.</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:130%">Depending on these factors, the financial assets classify for measurement as: (i) at amortised cost, (ii) at fair value with changes in other comprehensive income or (iii) at fair value with changes through profit and loss. IFRS 9 also establishes an option to irrevocably designate an instrument at fair value with changes in profit or loss, when doing so eliminates or significantly reduces a measurement or recognition inconsistency (sometimes referred to as 'accounting asymmetry') that would otherwise arise from measuring assets or liabilities or recognising gains and losses on different bases.</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:130%">Grupo Santander uses the following criteria for the classification of the financial debt instruments:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Amortised cost: financial instruments managed under a business model whose objective is to hold the financial assets to collect contractual principal and interest flows. This category includes instruments for which there are no frequent or significant unjustified sales and fair value is not a key element in the management of these assets and contractual conditions they give rise to cash flows on specific dates, which are only payments of principal and interest on the outstanding principal amount. In this sense, justified sales are considered to be those related to an (i) increase in the credit risk of the asset, (ii) unanticipated funding needs (stress case scenarios) and (iii) those close to maturity . Additionally, the characteristics of its contractual flows represent substantially a 'basic financing agreement'.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Fair value with changes in other comprehensive income: financial instruments held in a business model whose objective is to collect principal and interest cash flows and the sale of these assets, where fair value is a relevant factor in their management. Additionally, the contractual cash flow characteristics substantially represent a 'basic financing agreement'.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Fair value with changes in profit or loss: financial instruments included in a business model different from the above, where fair value is a key element in the management of these assets, and the contractual flows of the financial instruments do not substantially represent a 'basic financing agreement'. In this section it can be enclosed the portfolios classified under 'Financial assets held for trading', 'Non-trading financial assets mandatorily at fair value through profit or loss' and 'Financial assets at fair value through profit or loss'. In this regard, most of the financial assets presented in the category of 'Financial assets designated at value reasonable with change in results' are instruments financial services that, not being part of the portfolio of negotiation, are contracted jointly with other financial instruments that are recorded in the category of 'held for trading', and that by both are recorded at fair value with changes in results, so your record in any other category would produce accounting asymmetries.</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:130%">Equity instruments will be classified at fair value under  IFRS 9, with changes in profit or loss, unless the Group decides, for non-trading assets, to classify them at fair value with changes in other comprehensive income (irrevocably) at initial recognition.</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="i75e15d8a121c42389acae969af7f386c"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Classification of financial assets for presentation purposes</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:130%">Financial assets are classified by nature into the following items in the consolidated balance sheet:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Cash, cash balances at Central Banks and other deposits on demand: cash balances and balances receivable on demand relating to deposits with central banks and other credit institutions.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Loans and advances: includes the debit balances of all credit and loans granted by the Group, other than those represented by securities or securitized, as well as the finance lease receivables and other debit balances of a financial nature in favour of the Group such as cheques drawn on credit institutions, balances receivable from clearing houses and settlement agencies for transactions on the stock exchange and organised markets, bonds given in cash, capital calls, fees and commissions receivable for financial guarantees and debit balances arising from transactions not originating in banking transactions and services, such as the collection of rentals and similar items. They are classified, on the basis of the institutional sector to which the debtor belongs, into:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Central banks: credit of any nature, including deposits and money market transactions received from the Bank of Spain or other central banks.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Credit institutions: credit of any nature, including deposits and money market transactions, in the name of credit institutions.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Customers: includes the remaining credit, including money market transactions through central counterparties.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Debt securities: bonds and other securities that represent a debt for their issuer, that that accrue interest or equivalent returns implemented in securities or in book entries.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Equity instruments: financial instruments issued by other entities, such as shares, which have the nature of equity instruments for the issuer, other than investments in subsidiaries, joint ventures or associates. Investment fund units are included in this item.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Derivatives: includes the fair value in favour of the Group of derivatives which do not form part of hedge accounting, including embedded derivatives separated from hybrid financial instruments.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Repurchase agreements and reverse repurchase agreements: Purchases of financial instruments under a non-optional resale (repurchase) agreement at a fixed price (repos) are recognised in the consolidated balance sheet as financing granted, based on the nature of the debtor, under 'Loans and advances with central banks', 'Loans and advances to credit institutions' or 'Loans and advances to customers. Differences between the purchase and sale prices are recognised as interest over the contract term.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Changes in the fair value of hedged items in portfolio hedges of interest rate risk: this item is the balancing entry for the amounts credited to the consolidated income statement in respect of the measurement of the portfolios of financial instruments which are effectively hedged against interest rate risk through fair value hedging derivatives. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Hedging derivatives: Includes the fair value in favour of the Group of derivatives, including embedded derivatives separated from hybrid financial instruments, designated as hedging instruments in hedge accounting.</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="i952b7f66652e48e18b7d90035a398d34"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Classification of financial liabilities for measurement purposes</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:130%">Financial liabilities are initially classified into the various categories used for management and measurement purposes, unless they have to be presented as 'Liabilities associated with non-current assets held for sale' or they relate to 'Hedging derivatives' or the changes in the fair value of hedged items in portfolio hedges of interest rate risk (liability side), which are reported separately.</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:130%">In most cases, changes in the fair value of financial liabilities designated at fair value through profit or loss, caused by the entity's credit risk, are recognized in other comprehensive income, unless this treatment results in an accounting asymmetry, in which case the full effect is recognized in the profit or loss for the period.</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:130%">Financial liabilities are included for measurement purposes in one of the following categories:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Financial liabilities held for trading (at fair value through profit or loss): this category includes financial liabilities incurred for the purpose of generating a profit in the near term from fluctuations in their prices, financial derivatives not designated in accounting hedging relationships, and financial liabilities arising from the outright sale of financial assets temporarily acquired or received on loan (short positions).</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Financial liabilities designated at fair value through profit or loss: financial liabilities are included in this category when they provide more relevant information, either because this eliminates or significantly reduces recognition or measurement inconsistencies (accounting mismatches) that would otherwise arise from measuring assets or liabilities or recognising the gains or losses on them on different bases, or because a group of financial liabilities or financial assets and liabilities is managed and its performance is evaluated on a fair value basis, in accordance with a documented risk management or investment strategy, and information about the group is provided on that basis to the Group&#8217;s key management personnel. </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:130%">Liabilities may only be included in this category on the date when they are incurred or originated.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Financial liabilities at amortised cost: financial liabilities, irrespective of their instrumentation and maturity, not included in any of the above-mentioned categories which arise from the ordinary borrowing activities carried on by financial institutions.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ic42f3195efbe4dd89e54cecd83316288"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iv. Classification of financial liabilities for presentation purposes</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:130%">Financial liabilities are classified by nature into the following items in the consolidated balance sheet:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Deposits: includes all repayable balances received in cash by Grupo Santander, other than those instrumented as marketable securities and those having the substance of subordinated liabilities (amount of the loans received, which for credit priority purposes are after common creditors), except for the debt instruments issued. This item also includes cash bonds and cash consignments received the amount of which may be invested without restriction. Deposits are classified on the basis of the creditor&#8217;s institutional sector into:</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:8.6pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:2.47pt">Central banks: deposits of any nature, including credit received and money market transactions received from the Bank of Spain or other central banks.</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:8.6pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:2.47pt">Credit institutions: deposits of any nature, including credit received and money market transactions in the name of credit institutions.</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:8.6pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:2.47pt">Customer: includes the remaining deposits, including money market transactions through central counterparties.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Marketable debt securities: includes the amount of bonds, debentures and other debt represented by marketable securities, other than those having the substance of subordinated liabilities (amount of the loans received, which for credit priority purposes are after common creditors, and includes the amount of the financial instruments issued by the Group which, having the legal nature of capital, do not meet the requirements to qualify as equity, such as certain preferred shares issued). This item includes the component that has the consideration of financial liability of the securities issued that are compound financial instruments.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Derivatives: includes the fair value, with a negative balance for the Group, of derivatives, including embedded derivatives  separated from the host contract, which do not form part of hedge accounting.</span></div></div></div><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Short positions: includes the amount of financial liabilities arising from the outright sale of financial assets acquired under reverse repurchase agreements or borrowed.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Other financial liabilities: includes the amount of payment obligations having the nature of financial liabilities not included in other items (includes, among others, the balance of lease liabilities recognized in accordance with IFRS 16), and liabilities under financial guarantee contracts, unless they have been classified as non-performing.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Repurchase agreements and reverse repurchase agreements: Sales of financial instruments under a non-optional resale (repurchase) agreement at a fixed price (repos) are recognised in the consolidated balance sheet as financing received, based on the nature of the creditor, under 'Deposits from central banks', 'Deposits from credit institutions' or 'Customer deposits'. Differences between the purchase and sale prices is recorded as interest accrued over the life of the contract, using the effective interest rate method.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Changes in the fair value of hedged items in portfolio hedges of interest rate risk: this item is the balancing entry for the amounts charged to the consolidated income statement in respect of the measurement of the portfolios of financial instruments which are effectively hedged against interest rate risk through fair value hedging derivatives.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Hedging derivatives: includes the fair value of the Group&#8217;s liability in respect of derivatives, including embedded derivatives separated from hybrid financial instruments, designated as hedging instruments in hedge accounting.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The preference shares contingently convertible into ordinary shares eligible as Additional Tier 1 capital (PPCC) -perpetual shares, which may be repurchased by the issuer in certain circumstances, the interest on which is discretionary, and would convert into variable number of newly issued ordinary shares if the capital ratio of the Bank or its consolidated group falls below a given percentage (trigger event), as those two terms are defined in the related issue prospectuses are recognised for accounting purposes by the Group as compound instruments in accordance with IAS 32. The liability component reflects the issuer&#8217;s obligation to deliver a variable number of shares and the equity component reflects the issuer&#8217;s discretion in relation to the payment of the related coupons. In order to effect the initial allocation, the Group estimates the fair value of the liability as the amount that would have to be delivered if the trigger event were to occur immediately and, accordingly, the equity component, calculated as the residual amount, is zero. In view of the aforementioned discretionary nature of the payment of the coupons, they are deducted directly from equity.</span></div></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Capital perpetual preference shares (PPCA), with the possibility of purchase by the issuer in certain circumstances, whose remuneration is discretionary, and which will be amortised permanently, totally or partially, in the event that the bank or its consolidated group submits a capital ratio lesser than a certain percentage (trigger event), as defined in the corresponding prospectuses, are accounted for by the Group as equity instruments.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Derivatives embedded in other financial instruments or in other host contracts are accounted for separately as derivatives if their risks and characteristics are not closely related to those of the host contracts, provided that the host contracts are not classified as financial assets/liabilities designated at fair value through profit or loss or as 'Financial assets/liabilities held for trading'.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i12d26bd077d047399b791c4737fd5e21"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Measurement of financial assets and liabilities and recognition of fair value changes</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:130%">In general, financial assets and liabilities are initially recognised at fair value which, in the absence of evidence to the contrary, is deemed to be the transaction price. </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:130%">In this regard, IFRS 9 states that regular way purchases or sales of financial assets shall be recognised and derecognised on the trade date or on the settlement date. Grupo Santander has opted to make such recognition on the trading date or settlement date, depending on the convention of each of the markets in which the transactions are carried out. For example, in relation to the purchase or sale of debt securities or equity instruments traded in the Spanish market, securities market regulations stipulate their effective transfer at the time of settlement and, therefore, the same time has been established for the accounting record to be made.</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:130%">The fair value of instruments not measured at fair value through profit and loss is adjusted by transaction costs. Subsequently, and on the occasion of each accounting close, they are valued in accordance with the following criteria:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i6da3ee17554d4070864a7b7d72d7c40c"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Measurement of financial assets</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:130%">Financial assets are measured at fair value are valued mainly at their fair value without deducting any transaction cost for their sale.</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:130%">The fair value of a financial instrument on a given date is taken to be the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. The most objective and common reference for the fair value of a financial instrument is the price that would be paid for it on an active, transparent and deep market (quoted price or market price). At 31 December 2025, there were no significant investments in quoted financial instruments that had ceased to be recognised at their quoted price because their market could not be deemed to be active.</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:130%">If there is no market price for a given financial instrument, its fair value is estimated on the basis of the price established in recent transactions involving similar instruments and, in the absence thereof, of valuation techniques commonly used by the international financial community, taking into account the specific features of the instrument to be measured and, particularly, the various types of risk associated with it.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">All derivatives are recognised in the balance sheet at fair value from the trade date. If the fair value is positive, they are recognised as an asset and if the fair value is negative, they are recognised as a liability. The fair value on the trade date is deemed, in the absence of evidence to the contrary, to be the transaction price. The changes in the fair value of derivatives from the trade date are recorded in the consolidated income statement. Specifically, the fair value of financial derivatives traded in organised markets included in the portfolios of financial assets or liabilities held for trading is deemed to be their daily quoted price and if, for exceptional reasons, the quoted price cannot be determined on a given date, these financial derivatives are measured using methods similar to those used to measure derivatives.</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:130%">The fair value of derivatives is taken to be the sum of the future cash flows arising from the instrument, discounted to present value at the date of measurement (present value or theoretical close) using valuation techniques commonly used by the financial markets: net present value, option pricing models and other methods.</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:130%">The amount of debt securities and loans and advances under a business model whose objective is to collect the principal and interest flows are valued at their amortised cost, as long as they comply with the 'SPPI' (Solely Payments of Principal and Interest) test, using the effective interest rate method in their determination. Amortised cost refers to the acquisition cost of a corrected financial asset or liability (more or less, as the case may be) for repayments of principal and the part systematically charged to the consolidated income statement of the difference between the initial cost and the corresponding reimbursement value at expiration. In the case of financial assets, the amortised cost includes, in addition, the corrections to their value due to the impairment. In the loans and advances covered in fair value hedging transactions, the changes that occur in their fair value related to the risk or the risks covered in these hedging transactions are recorded.</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:130%">The effective interest rate is the discount rate that exactly matches the carrying amount of a financial instrument to all its estimated cash flows of all kinds over its remaining life. </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:130%">For fixed rate financial instruments, the effective interest rate coincides with the contractual interest rate established on the acquisition date plus, where applicable, the fees and transaction costs that, because of their nature, form part of their financial return. In the case of floating rate financial instruments, the effective interest rate coincides with the rate of return prevailing in all connections until the next benchmark interest reset date.</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:130%">Equity instruments and contracts related with these instruments are measured at fair value. However, in certain circumstances the Group estimates cost value as a suitable estimate of the fair value. This can happen if the recent event available information is not enough to measure the fair value or if there is a broad range of possible measures and the cost value represents the best estimates of fair value within this range.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The amounts at which the financial assets are recognised represent, in all material respects, the Group&#8217;s maximum exposure to credit risk at each reporting date. Also, Grupo Santander has received collateral and other credit enhancements to mitigate its exposure to credit risk, which consist mainly of mortgage guarantees, cash collateral, equity instruments and personal security, assets leased out under finance lease and full-service lease agreements, assets acquired under repurchase agreements, securities loans and credit derivatives.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i089c47b8db924ec587c4a69d5a551897"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Measurement of financial liabilities</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:130%">In general, financial liabilities are measured at amortised cost, as defined above, except for those included under 'Financial liabilities held for trading' and 'Financial liabilities designated at fair value through profit or loss' and financial liabilities designated as hedged items (or hedging instruments) in fair value hedges, which are measured at fair value. The changes in credit risk arising from financial liabilities designated at fair value through profit or loss are recognised in accumulated other comprehensive income, unless they generate or increase an accounting mismatch, in which case changes in the fair value of the financial liability in all respects are recognised in the income statement.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ibfbb4be27e0e4658adbe6a8ba97a7204"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Valuation techniques</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:130%">The financial instruments at fair value determined on the basis of published price quotations in active markets (level 1) include government debt securities, private-sector debt securities, derivatives traded in organised markets, securitised assets, shares, short positions and fixed-income securities issued.</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:130%">In cases where price quotations cannot be observed, management makes its best estimate of the price that the market would set, using its own internal models, described in note 50. In most cases, these internal models use data based on observable market parameters as significant inputs (level 2) and, in cases, they use significant inputs not observable in market data (level 3). In order to make these estimates, various techniques are employed, including the extrapolation of observable market data. The best evidence of the fair value of a financial instrument on initial recognition is the transaction price, unless the fair value of the instrument can be obtained from other market transactions performed with the same or similar instruments or can be measured by using a valuation technique in which the variables used include only observable market data, mainly interest rates.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="if09e92b9825644f9b9a015a0aa4d755d"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iv. Recognition of fair value changes</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As a general rule, changes in the carrying amount of financial assets and liabilities are recognised in the consolidated income statement. A distinction is made between the changes resulting from the accrual of interest and similar items, (which are recognised under Interest income or Interest expense, as appropriate), and those arising for other reasons, which are recognised at their net amount under 'Gains/losses on financial assets and liabilities'.</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:130%">Adjustments due to changes in fair value arising from:</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">'Financial assets at fair value with changes in other comprehensive income' are recorded temporarily, in the case of debt instruments in 'Other comprehensive income - Elements that can be reclassified to profit or loss - Financial assets at fair value with changes in other comprehensive income', while in the case of equity instruments are recorded in 'other comprehensive income - Elements that will not be reclassified to line item - Changes in the fair value of equity instruments valued at fair value with changes in other comprehensive income'. </span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Exchange differences on debt instruments measured at fair value with changes in other comprehensive income are recognised under 'Exchange Differences, net' of the consolidated income statement. Exchange differences on equity instruments, in which the irrevocable option of being measured at fair value with changes in other comprehensive income has been chosen, are recognised in 'Other comprehensive income - Items that will not be 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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Items charged or credited to 'Items that may be reclassified to profit or loss &#8211; Financial assets at fair value through other comprehensive income' and 'Other comprehensive income &#8211; Items that may be reclassified to profit or loss &#8211; Exchange differences in equity' remain in the Group's consolidated equity until the asset giving rise to them is impaired or derecognised, at which time they are recognised in the consolidated income statement.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Unrealized capital gains on financial assets at fair value through other comprehensive income classified as 'Non-current assets held for sale' because they form part of a disposal group or a discontinued operation that  are recorded in the equity balancing entry 'Other accumulated comprehensive income - Items that can be reclassified in income - Non-current assets as held for sale.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4d94ffbbf7344ed5ade54eb8bad38462"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">v. Hedging transactions</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:130%">The objective of hedge accounting is to represent in the financial statements the effect of an entity's risk management activities when it uses financial instruments to manage exposures arising from specific risks that could affect profit or loss or other comprehensive income (in the case of investments in equity instruments for which the entity has opted to represent changes in the fair value of other comprehensive income).</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:130%">As described in Note 1.b, the Group has adopted IFRS 9 for hedge accounting prospectively, while continuing to apply IAS 39 for fair value hedges in portfolios where the hedged risk is interest rate risk. This change has not resulted in any modifications to the accounting treatment of hedges designated under IAS 39, which remain unchanged in both their designation and accounting treatment.</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:130%">For a hedging relationship to meet the requirements set out in IFRS 9, it must meet the following conditions:</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">1.&#160;&#160;&#160;&#160;Instruments that can be designated as hedging instruments include all derivative financial instruments or non-derivative financial instruments measured at fair value through profit or loss, or a combination thereof. In the case of foreign exchange risk hedges, any type of non-derivative financial instrument can also be designated, regardless of its measurement method.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">2. Items that can be designated as covered items are all those that are recognized assets or liabilities, firm commitments, highly probable anticipated transactions, and net investments abroad.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">3.&#160;&#160;&#160;&#160;At the start of coverage, a formal designation and documentation of the hedging relationship must be made, which will include the entity's risk management strategy and objective, identification of the hedging instrument and the covered item, the nature of the covered risk, the methodology for measuring effectiveness, which includes an analysis of the sources of ineffectiveness, and the coverage ratio.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The main sources of ineffectiveness based on the risk covered are:</span></div><div style="margin-bottom:9pt;padding-left:19.84pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a. Interest rate risk: mismatches in time horizons, principal, repricing and payment dates, time value of options, modifications in the hedged item or the hedging instrument.</span></div><div style="margin-bottom:9pt;padding-left:19.84pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b. Exchange rate risk: in addition to the above, the difference between the interest rates of the two currencies that represents the net cost or benefit of switching cash flows between two currencies with different interest rates.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">4. The hedging relationship must be effective, for which there must be an economic relationship between the hedged item and the hedging instrument, credit risk must not have a dominant effect on changes in the value of the economic relationship between the hedging instrument and the hedged item, and the hedging ratio must coincide with that used by the entity in its management.</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:130%">The Group assesses these effectiveness requirements, at the time of designation and on each submission date, through:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The economic relationship between the hedged item and the hedging instrument is demonstrated through a qualitative test, and in the event of non-compliance, through quantitative tests that compare the market value of the hedged items&#8212;corresponding to the hedged risk&#8212;and the hedging instruments. Likewise, a quantitative analysis of variations in the market values of the hedging instrument and the hedged item is performed prospectively.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The hedge ratio is determined based on the proportion between the amount of the hedged item and the amount of the instrument actually designated by the Group in each hedging relationship.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"> The credit risk domain assessment is performed through an analysis of the credit exposure of the hedged items and the hedging instruments.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Accounting hedges are classified and recorded according to the type of risk they cover, based on the following criteria:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Fair value hedges: These are hedges against exposure to changes in the fair value of the hedged item, attributable to a specific risk.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The differences arising from both the hedging instruments and the hedged items (due to the hedged risk) are recognized directly in the consolidated profit and loss account.</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:130%">When the fair value hedge is discontinued, the adjustments previously recorded in the hedged item are charged to profit or loss using the effective interest rate method recalculated at the date the hedge ceases to be covered, and must be fully amortized at maturity. </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:130%">In fair value hedges of interest rate risk of a portfolio of financial instruments (macro hedges), regulated by IAS 39, the gains or losses arising from the valuation of the hedging instruments are recognized directly in the consolidated profit and loss account, while the gains or losses due to changes in the fair value of the hedged amount (attributable to the hedged risk) are recognized in the consolidated profit and loss account using as a counterpart the headings 'Changes in the fair value of hedged items' of a portfolio with interest rate risk hedge (asset or liability), as appropriate.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Cash flow hedges: These are hedges against exposure to changes in cash flows attributable to a specific risk associated with the hedged item.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The effective portion of the change in the value of the hedging instrument is temporarily recorded in the equity account 'Other accumulated comprehensive income - Items that may be reclassified in profit or loss - Hedging derivatives. Cash flow hedges (effective portion)' until the hedged item affects profit or loss. From that point onward, it will be recorded in the consolidated profit or loss account for the same period as the hedged item, except in cases where it is required to be included in the cost of the non-financial asset or liability, or the anticipated transactions are ultimately recognized as non-financial assets or liabilities.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">When cash flow hedges are discontinued, the accumulated result of the hedging instrument recognized in the equity heading 'Other accumulated global result' (while the hedge was effective) will continue to be recognized in that heading until the hedged transaction occurs, at which time it will be recorded in profit or loss, unless it is expected that the transaction will not take place, in which case it is recorded immediately in profit or loss.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net investment hedges of a foreign operation: This is a hedge of the amount corresponding to the reporting entity's share of the net assets of said operation.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The effective portion of the hedging instrument is temporarily recorded in the equity account 'Other accumulated comprehensive income - Items that may be reclassified in profit or loss - Net investment hedges' in foreign operations until the gains or losses on the hedged item are recognized in profit or loss.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">To measure ineffectiveness, the Group compares the valuation of the hedging instrument with the valuation of the hedged item based on the hedged risk, using different methodologies such as the proxy method or the hypothetical derivative method. The ineffective portion of the cash flow and net investment hedge relationships in foreign operations is recorded directly in the consolidated profit and loss account, under the heading 'Net gains or losses from hedge accounting'. </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:130%">The Group discontinues accounting for hedging relationships when the hedging instrument expires, is sold, or when the hedging relationship becomes ineffective because it is no longer aligned with the risk management objective. In that case, the derivative is then treated as a trading derivative.</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:130%">If a hedging relationship ceases to meet the effectiveness requirements, but the risk management objective remains, the Group will assess whether to rebalance or adjust the hedging ratio to meet the effectiveness requirements again without discontinuing the hedging relationship.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">A hedging instrument is generally designated in its entirety, as the factors contributing to its fair value are interdependent. However, IFRS 9 allows certain parts of a hedging instrument to be excluded from its fair value:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt">Separating the intrinsic value and the time value of an option and designating only the intrinsic element as the hedging instrument, which is mandatory if the intrinsic value is designated;</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt">Separating the forward and spot elements of a forward contract and designating only the spot element as the hedging instrument, which will be determined for each hedging relationship. and</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.48pt">Separate the foreign currency basis spread of a currency derivative and exclude it from the designation of the hedging instrument, as determined for each hedging relationship.</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:130%">Separating these components will improve the effectiveness of the hedge and allows for alternative accounting treatment for the excluded component. This treatment consists of recording the changes in value under the heading 'Other accumulated comprehensive income &#8211; Undesignated items' and recording this component in the consolidated profit or loss statement, depending on the nature of the hedged item, either over a period of time or at the time the hedged transaction occurs.</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:130%">Additionally, if the entity manages the credit risk of all or part of a financial instrument through the use of credit derivatives, there is the option of designating a fair value credit exposure through profit or loss, provided that the derivative matches the name and priority of the financial instrument being hedged. This designation may be made at the initial recognition of the designated financial instrument or subsequently, with the designation being documented. From its designation, fair value variations (for all its risks, not exclusively credit risk) will be recorded in the consolidated profit and loss account.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="ia49f64f506d54190ae2cf84f69d636a8"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">e) Derecognition of financial assets and liabilities</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:130%">The accounting treatment of transfers of financial assets depends on the extent to which the risks and rewards associated with the transferred assets are transferred to third parties:</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">1.&#160;&#160;&#160;&#160;If the Group transfers substantially all the risks and rewards to third parties unconditional -sale of financial assets, sale of financial assets under an agreement to repurchase them at their fair value at the date of repurchase, sale of financial assets with a purchased call option or written put option that is deeply out of the money, securitisation of assets in which the transferor does not retain a subordinated debt or grant any credit enhancement to the new holders, and other similar cases-, the transferred financial asset is derecognised and any rights or obligations retained or created in the transfer are recognised simultaneously.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">2.&#160;&#160;&#160;&#160;If the Group retains substantially all the risks and rewards associated with the transferred financial asset -sale of financial assets under an agreement to repurchase them at a fixed price or at the sale price plus interest, a securities lending agreement in which the borrower undertakes to return the same or similar assets, and other similar cases-, the transferred financial asset is not derecognised and continues to be measured by the same criteria as those used before the transfer. In this case, the following items are recognised:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt">An associated financial liability, which is recognised for an amount equal to the consideration received and is subsequently measured at amortised cost, unless it meets the requirements for classification under 'Financial liabilities designated at fair value through profit or loss'.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt">The income from the transferred financial asset not derecognised and any expense incurred on the new financial liability, without offsetting.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">3.&#160;&#160;&#160;&#160;If the Group neither transfers nor retains substantially all the risks and rewards associated with the transferred financial asset -sale of financial assets with a purchased call option or written put option that is not deeply in or out of the money, securitisation of assets in which the transferor retains a subordinated debt or other type of credit enhancement for a portion of the transferred asset, and other similar cases- the following distinction is made:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt">If the transferor does not retain control of the transferred financial asset, the asset is derecognised and any rights or obligations retained or created in the transfer are recognised.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt">If the transferor retains control of the transferred financial asset, it continues to recognise it for an amount equal to its exposure to changes in value and recognises a financial liability associated with the transferred financial asset. The net carrying amount of the transferred asset and the associated liability is the amortised cost of the rights and obligations retained, if the transferred asset is measured at amortised cost, or the fair value of the rights and obligations retained, if the transferred asset is measured at fair value.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Accordingly, financial assets are only derecognised when the rights to the cash flows they generate have expired or when substantially all the inherent risks and rewards have been transferred to third parties. Similarly, financial liabilities are only derecognised when the obligations they generate have been extinguished or when they are acquired with the intention either to cancel them or to resell them.</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:130%">Regarding contractual modifications of financial assets, Grupo Santander distinguishes two main categories depending on whether the new conditions result in the disposal of the asset (and recognition of a new one) or imply the continuation of the original instrument with the new modified terms:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Contractual modifications for commercial or market reasons, which are generally carried out at the request of the debtor to apply current market conditions to the debt. The new contract is considered a new transaction and, consequently, it is necessary to derecognize the original financial asset and recognize a new financial asset subject to the classification and measurement requirements established by IFRS 9. The new financial asset will be recorded at fair value and, if applicable, the difference between the carrying amount of the asset derecognized and the fair value of the new asset will be recognized in profit or loss.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Modifications due to refinancing or restructuring, in which the payment conditions are modified to allow a customer that is experiencing financial difficulties (current or foreseeable) to meet its payment obligations and that, if such modification had not been made, it would be reasonably certain that it would not be able to meet such payment obligations. In this case, the modification does not result in the derecognition of the financial asset, but rather the original financial asset is maintained and does not require a new assessment of its classification and measurement. When assessing credit impairment, the current credit risk (considering the modified cash flows) should be compared with the credit risk at initial recognition. The gross carrying amount of the financial asset (the present value of the renegotiated or modified contractual cash flows that are discounted at the original effective interest rate of the financial asset) should be recalculated, with a gain or loss recognized in profit or loss for the difference.</span></div><div style="margin-bottom:3pt"><span id="iaaa27801cc5242f2a6e268d5b23d0dbd"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">f) Offsetting of financial instruments</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:130%">Financial asset and liability balances are offset, i.e. reported in the consolidated balance sheet at their net amount, only if the Group entities currently have a legally enforceable right to set off the recognised amounts and intend either to settle on a net basis, or to realise the asset and settle the liability simultaneously.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4fc50b0f810d4658b2502f39b387158a"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">g) Impairment of financial assets</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="i283af405fc7c4a24b838197c064ca2fd"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Definition</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:130%">Grupo Santander associates an impairment in the value to financial assets measured at amortised cost, debt instruments measured at fair value with changes in other comprehensive income, lease receivables, assets from contracts and loan commitments and the financial guarantees issued that are not measured at fair value through profit or loss.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The impairment for expected credit losses is recorded with a charge to the consolidated income statement for the period in which the impairment arises. In the event of occurrence, the recoveries of previously recognised impairment losses are recorded in the consolidated income statement for the period in which the impairment no longer exists or is reduced.</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:130%">In the case of purchased or originated credit-impaired assets, the Group only recognizes at the reporting date the changes in the expected credit losses during the life of the asset since the initial recognition as a credit loss. In the case of assets measured at fair value with changes in other comprehensive income, the changes in the fair value due to expected credit losses are charged in the consolidated income statement of the year where the change happened, reflecting the rest of the valuation in other comprehensive income.</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:130%">As a rule, the expected credit loss is estimated as the difference between the contractual cash flows to be recovered and the expected cash flows discounted using the original effective interest rate. In the case of purchased or originated credit-impaired assets, this difference is discounted using the effective interest rate adjusted by credit rating.</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:130%">Depending on the classification of financial instruments, which is mentioned in the following sections, the expected credit losses may be along 12 months or during the life of the financial instrument:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">12-month expected credit losses: arising from the potential default events, as defined in the following sections that are estimated to be likely to occur within the 12 months following the reporting date. These losses will be associated with financial assets classified as 'normal risk' as defined in the following sections.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Expected credit losses over the life of the financial instrument: arising from the potential default events that are estimated to be likely to occur throughout the life of the financial instruments. These losses are associated with financial assets classified as 'normal risk under watchlist' or 'doubtful risk'.</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:130%">With the purpose of estimating the expected life of the financial instrument all the contractual terms have been taken into account (e.g. prepayments, duration, purchase options, etc.), being the contractual period (including extension options) the maximum period considered to measure the expected credit losses. In the case of financial instruments with an uncertain maturity period and a component of undrawn commitment (e.g.: credit cards), the expected life is estimated through quantitative analyses to determine the period during which the entity is exposed to credit risk, also considering the effectiveness of management procedures that mitigate such exposure (e.g. the ability to unilaterally cancel such financial instruments, etc.).</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:130%">The following constitute effective guarantees:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a)&#160;&#160;&#160;&#160;Mortgage guarantees on housing as long as they are first duly constituted and registered in favour of the entity. The properties include:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">i.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:9.97pt">Buildings and building elements, distinguishing among:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Houses.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Offices, stores and multi-purpose premises.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Rest of buildings such as non-multi-purpose premises and hotels.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:7.94pt">Urban and developable ordered land.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">iii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.91pt"> Rest of properties that classify as: buildings and building elements under construction, such as property development in progress and halted development, and the rest of land types, such as rustic lands.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b)&#160;&#160;&#160;&#160;Collateral guarantees on financial instruments in the form of cash deposits, debt securities or equity instruments issued by creditworthy issuers.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c)&#160;&#160;&#160;&#160;Other types of real guarantees, including properties received in guarantee and second and subsequent mortgages on properties, as long as the entity demonstrates its effectiveness. When assessing the effectiveness of the second and subsequent mortgages on properties the entity will implement particularly restrictive criteria. It will take into account, among others, whether the previous charges are in favour of the entity itself or not and the relationship between the risk guaranteed by them and the property value.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">d)&#160;&#160;&#160;&#160;Personal guarantees, as well as the incorporation of new owners, covering the entire amount of the financial instruments and implying direct and joint liability to the entity of persons or other entities whose solvency is sufficiently proven to ensure the repayment of the loan on the agreed terms.</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:130%">The different aspects that the Group considers for the evaluation of effective guarantees are set out below in relation to the individual analysis.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i31f6193db9db45db9ab2d4646cdb5ac2"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Financial instruments presentation</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:130%">For the purposes of estimating the impairment amount, and in accordance with its internal policies, the Group classifies its financial instruments (financial assets, commitments and guarantees) measured at amortised cost or fair value through other comprehensive income in one of the following categories:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Normal Risk ('stage 1'): includes all instruments that do not meet the requirements to be classified in the rest of the categories.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Normal risk under watchlist ('stage 2'): includes all instruments that, without meeting the criteria for classification as doubtful or default risk, have experienced significant increases in credit risk since initial recognition.</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:130%">In order to determine whether a financial instrument has increased its credit risk since initial recognition and is to be classified in stage 2, the Group considers the following criteria:</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:18.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:79.147%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Quantitative criteria</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the risk of a default occurring through the expected life of the financial instrument are analysed and quantified with respect to its credit level in its initial recognition.<br/></span><span style="font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><br/></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">With the purpose of determining if such changes are considered as significant, with the consequent classification into stage 2, each Group unit has defined the quantitative thresholds to consider in each of its portfolios taking into account corporate guidelines ensuring a consistent interpretation in all units.<br/></span><span style="font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><br/></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Within the quantitative thresholds, two types are considered: A relative threshold is those that compare current credit quality with credit quality at the time of origination in percentage terms of change. In addition, an absolute threshold compares both references in total terms, calculating the difference between the two. These absolute/relative concepts are used homogeneously (with different values) in all geographies. The use of one type of threshold or another (or both) is determined in accordance with the process described in note 54, below, and is marked by the type of portfolio and characteristics such as the starting point of the average credit quality of the portfolio.</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Qualitative criteria</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:110%">In addition to the quantitative criteria indicated, various indicators are used that are aligned with those used by the Group in the normal management of credit risk. Irregular positions of more than 30 days and renewals are common criteria in all Group units. In addition, each unit can define other qualitative indicators, for each of its portfolios, according to the particularities and normal management practices in line with the policies currently in force (i.e. use of management alerts, etc.).<br/>The use of these qualitative criteria is complemented with the use of an expert judgement, under the corresponding governance.</span></div></td></tr></table></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:130%">In the case of forbearances, instruments classified as 'normal risk under watchlist' may be generally reclassified to 'normal risk' in the following circumstances: at least two years have elapsed from the date of reclassification to that category or from its forbearance date, the client has paid the accrued principal and interest balance, and the client has no other instruments with more than 30 days past due balances.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Doubtful Risk ('stage 3'): includes financial instruments, overdue or not, in which, without meeting the circumstances to classify them in the category of default risk, there are reasonable doubts about their total repayment (principal and interests) by the client in the terms contractually agreed. Likewise, off-balance-sheet exposures whose payment is probable and their recovery doubtful are considered in stage 3. Within this category, two situations are differentiated:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Doubtful risk for non-performing loans: financial instruments, irrespective of the client and guarantee, with balances more than 90 consecutive days on material arrears for principal, interest or expenses contractually agreed. </span></div><div style="margin-bottom:9pt;padding-left:21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This category also includes all loan balances for a client  when the operations with more than 90 consecutive days on material arrears are greater than 20% of the amounts pending collection. </span></div><div style="margin-bottom:9pt;padding-left:21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">These instruments may be reclassified to other categories if, as a result of the collection of part of the past due balances, the reasons for their classification in this category do not remain and the client does not have balances more than 90 consecutive days on material arrears in other loans.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Doubtful risk for reasons other than non-performing loans: this category includes doubtful recovery financial instruments that are not more than 90 consecutive days on material arrears.</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:130%">Grupo Santander considers that a financial instrument to be doubtful for reasons other than delinquency when one or more combined events have occurred with a negative impact on the estimated future cash flows of the financial instrument. To this end, the following indicators, among others, are considered:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.31pt">Negative net equity or decrease because of losses of the client's net equity by at least 50% during the last financial year.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.01pt">Continued losses or significant decrease in revenue or, in general, in the client's recurring cash flows.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.92pt">Generalised delay in payments or insufficient cash flows to service debts.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">d)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.01pt">Significantly inadequate economic or financial structure or inability to obtain additional financing by the client.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">e)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.25pt">Existence of an internal or external credit rating showing that the client is in default.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">f)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.73pt">Existence of overdue customer commitments with a significant amount to public institutions or employees.</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:130%">These financial instruments may be reclassified to other categories if, as a result of an individualised study, reasonable doubts do not remain about the total repayment under the contractually agreed terms and the client does not have balances of 90 days on material arrears.</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:130%">In the case of forbearances, instruments classified as doubtful risk may be reclassified to the category of 'normal risk under watchlist' when the following circumstances are present: a minimum period of one year has elapsed from the forbearance date, the client has paid the accrued principal and interest amounts, and the client has no other loan balances of 90 days on material arrears.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Default Risk: includes all financial assets, or part of them, for which, after an individualised analysis, their recovery is considered remote due to a notorious and irrecoverable deterioration of their solvency.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In any event, except in the case of financial instruments with effective collateral covering a substantial portion of the transaction amount, the Group generally consider as remote the following:</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-indent:-6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">- Those operations that, after an individualized analysis, are categorized as unsustainable debt, assuming an irrecoverability of such debt.</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-indent:-6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">- Transactions classified as doubtful due to non-performing loans with recovery costs that exceed the amounts receivable.</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-indent:-6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">- The operations on which the award is executed. The queue of these operations shall be included under default risk, as the recovery of the flows, provided that no further guarantees associated with the operation remain after the award of the property.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:18pt;text-indent:-6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">- Those operations on which a deduction is made, the portion of the operation corresponding to that deduction, will be given as a balance at the time of signature.</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:130%">A financial asset amount is maintained in the balance sheet until they are considered as a 'default risk', either all or a part of it, and the write-off is registered against the balance sheet.</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:130%">In the case of operations that have only been partially derecognised, for forgiveness reasons or because part of the total balance is considered unrecoverable, the remaining amount shall be fully classified in the category of 'doubtful risk', except where duly justified.</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:130%">The classification of a financial asset, or part of it, as a 'default risk' does not involve the disruption of negotiations and legal proceedings to recover the amount.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="iccd172da29b94981aac9cadfebbc7e65"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Impairment valuation assessment</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:130%">Grupo Santander has policies, methods and procedures in place to hedge its credit risk, both due to the insolvency attributable to counterparties and its residence in a specific country. </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:130%">These policies, methods and procedures are applied in the concession, study and documentation of financial assets, commitments and guarantees, as well as in the identification of their impairment and in the calculation of the amounts needed to cover their credit risk.</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:130%">The impairment represents the best estimation of the financial assets expected credit losses at the balance sheet date, assessed both individually and collectively.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Individually: for the purposes of estimating the provisions for credit risk arising from the insolvency of a financial instrument, the Group individually assesses impairment by estimating the expected credit losses on those financial instruments that are considered to be significant and with sufficient information to make such an estimate.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Therefore, this classification mostly includes wholesale banking customers &#8212;Corporations, specialised financing&#8212; as well as some of the largest companies &#8212;Chartered and real estate developers&#8212; from retail banking. The determination of the perimeter in which the individualised estimate is applied is detailed in a later section.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The individually assessed impairment estimate is equal to the difference between the gross carrying amount of the financial instrument and the estimated value of the expected cash flows receivable discounted using the original effective interest rate of the transaction. The estimate of these cash flows takes into account all available information on the financial asset and the effective guarantees associated with that asset. This estimation process is detailed below.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Collectively: the Group also assesses impairment by estimating the expected credit losses collectively in cases where they are not assessed on an individual basis. This includes, for example, loans with individuals, sole proprietors or businesses in retail banking  subject to a standardised risk management.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For the purposes of the collective assessment of expected credit losses, the Group has consistent and reliable internal models. For the development of these models, instruments with similar credit risk characteristics that are indicative of the debtors' capacity to pay are considered.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The credit risk characteristics used to group the instruments are, among others: type of instrument, debtor's sector of activity, geographical area of activity, type of guarantee, aging of past due balances and any other factor relevant to estimating the future cash flows.</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:130%">Grupo Santander performs retrospective and monitoring tests to evaluate the reasonableness of the collective estimate.</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:130%">On the other hand, the methodology required to estimate the expected credit loss due to credit events is based on an unbiased and weighted consideration by the probability of occurrence of a series of scenarios, considering a range of three to five possible future scenarios, depending on the characteristics of each unit, which could have an impact on the collection of contractual cash flows, always taking into account the time value of money, as well as all available, reasonable and sustainable information on past events, current conditions and forecasts of the evolution of macroeconomic scenarios that are shown to be relevant for the estimation of this amount (for example: GDP (Gross Domestic Product), housing price, unemployment rate, etc.).</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:130%">The estimation of expected losses requires expert judgment and the support of historical, current and future information. The probability of loss is measured considering past events, the present situation and future trends of macroeconomic scenarios.</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:130%">Grupo Santander uses forward-looking information in both internal risk management and prudential regulation processes, so that for the calculation of the impairment loss allowance, various scenarios are incorporated that take advantage of the experience with such information, thus ensuring consistency in obtaining the expected loss.</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:130%">The complexity of the estimation in this exercise has been derived from the current macroeconomic scenario as a consequence of the complex geopolitical situation, as well changes in inflations levels and interest rates, which has generated uncertainty in economic evolution.</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:130%">Grupo Santander has internally ensured the criteria to be followed for guarantees received from government bodies, both through credit lines and other public guarantees, so that when they are adequately reflected in each of the contracts, they are recognised as mitigating factors of the potential expected losses, and therefore of the provisions to be recognised, based on the provisions of the applicable standard (IFRS 9 Par. B5.5.55). Furthermore, where applicable, these guarantees are appropriately reflected in the mitigation of the significant increase in risk, considering their nature as personal guarantees.</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:130%">For the estimation of the parameters used in the estimation of impairment provisions -EAD (exposure at default), PD (probability of default), LGD (loss given default)-, the Group based its experience in developing internal models for the estimation of parameters both in the regulatory area and for management purposes, adapting the development of the impairment provision models under IFRS 9.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Exposure at default: is the amount of estimated risk incurred at the time of the counterparty's analysis.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Probability of default: is the estimated probability that the counterparty will default on its principal and/or interest payment obligations.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Loss given default: is the estimate of the severity of the loss incurred in the event of non-compliance. It depends mainly on the updating of the guarantees associated with the operation and the future cash flows that are expected to be recovered.</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:130%">In any case, when estimating the flows expected to be recovered, portfolio sales are included. It should be noted that due to the Group's recovery policy and the experience observed in relation to the prices of past sales of assets classified as stage 3 and/or default risk, there is no substantial divergence between the flows obtained from recoveries after performing recovery management of the assets with those obtained from the sale of portfolios of assets discounting structural expenses and other costs incurred.</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:130%">The definition of default implemented by the Group for the purpose of calculating the impairment provision models is based on the definition in Article 178 of Regulation 575/2013 of the European Union (CRR), which is fully aligned with the requirements of IFRS 9, which considers that a 'default' exists in relation to a specific customer/contract when at least one of the following circumstances exists: the entity considers that there are reasonable doubts about the payment of all its credit obligations or that the customer/contract is in an irregular situation for more than 90 consecutive days past due material balances with respect to any significant credit obligation.</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:130%">Grupo Santander aligned partially and voluntarily during 2022 the accounting definition of Stage 3, as well as the calculation of impairment provision models, to the New Definition of Default, incorporating the criteria defined by the EBA in its implementation guide of the definition of default, capturing the economic deterioration of the operations (days in default - on a daily basis - and materiality thresholds - minimum amount in arrears). The alignment of criteria was done taking into account the criteria of IFRS 9 as well as the accounting principles of unbiased presentation of financial information. Grupo Santander registered an increase in the default rate at around 19 basis points, with no material impact on the provision figures for credit risk.</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:130%">In addition, the Group considers the risk generated in all cross-border transactions due to circumstances other than the usual commercial risk of insolvency (sovereign risk, transfer risk or risks arising from international financial activity, such as wars, natural catastrophes, balance of payments crisis, etc.).</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:130%">IFRS 9 includes a series of practical solutions that can be implemented by entities, with the aim of facilitating its implementation. In order to achieve a complete and high-level implementation of the standard, and following the best practices of the industry, the Group applies these practical solutions adapting them to their own characteristics and circumstances:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Rebuttable presumption that the credit risk has increased significantly, when payments are more than 30 days past due: this threshold is used as an additional, but not primary, indicator of significant risk increase. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Assets with low credit risk at the reporting date: the Group adopts this practice prioritizing its reduced and punctual use and its systematic and periodic justification through quantitative evidence. </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:130%">This information is provided in more detail in note 54.b.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i9c52c0a773f8484bac5280424038dcc7"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iv. Detail of individual estimate of impairment</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:130%">For the individual estimate of the assessment for impairment of the financial asset, the Group has a specific methodology to estimate the value of the cash flows expected to be collected:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Recovery through the debtor's ordinary activities (going approach).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Recovery through the execution and sale of the collateral guaranteeing the operations (gone approach).</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:130%">Gone approach:</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:130%">a. Evaluation of the effectiveness of guarantees</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:130%">Grupo Santander assesses the effectiveness of all the guarantees associated considering the following:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The time required to execute these guarantees.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Grupo Santander's ability to enforce or assert these guarantees in its favour.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The existence of limitations imposed by each local unit&#180;s regulation on the foreclosure of collateral.</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:130%">Under no circumstances the Group considers that a guarantee is effective if its effectiveness depends substantially on the solvency of the debtor, as could be the case:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Promises of shares or other securities of the debtor himself when their valuation may be significantly affected by a debtor's default.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Personal cross-collateralisation: when the guarantor of a transaction is, at the same time, guaranteed by the holder of that transaction.</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:130%">The different types of effective guarantees have been detailed in section i. Definition</span></div><div style="margin-bottom:6pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b. Valuation of guarantees</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander assesses the guarantees on the basis of their nature in accordance with the following:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Mortgage guarantees on properties associated with financial instruments, using complete individual valuations carried out by independent valuation experts and under generally accepted valuation standards. If this is not possible, alternative valuations are used with duly documented and approved internal valuation models.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Personal guarantees are valued individually on the basis of the guarantor&#180;s updated information.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The rest of the guarantees are valued based on current market values.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c. Adjustments to the value of guarantees and estimation of future cash flow inflows and outflows</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander applies a series of adjustments to the value of the guarantees in order to improve the reference values:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Adjustments based on the historical sales experience of local units for certain types of assets.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Individual expert adjustments based on additional management information.</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:130%">Likewise, to adjust the value of the guarantees, the time value of money is taken into account based on the historical experience of each of the units, estimating:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Period of adjudication.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Estimated time of sale of the asset.</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:130%">In addition, the Group takes into account all those cash inflows and outflows linked to that guarantee until it is sold:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Possible future income commitments in favour of the borrower which will available after the asset is awarded.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Estimated foreclosure costs.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Asset maintenance costs, taxes and community costs.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Estimated marketing or sales costs.</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:130%">Finally, since it is considered that the guarantee will be sold in the future, the Group applies an additional adjustment ('index forward') in order to adjust the value of the guarantees to future valuation expectations.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i51a0b477e28c414aa9b7a3fe6148a03a"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">v. Impairment individual assessment scope</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:130%">Grupo Santander determines the perimeter over which it makes an estimate of the assessment for impairment on an individual basis based on a relevance threshold set by each of the geographical areas and the stage in which the operations are located. In general, the Group applies the individualised calculation of expected losses to the significant exposures classified in stage 3, although Banco Santander, S.A. has also extended its analyses to some of the exposures classified in stage 2.</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:130%">It should be noted that, in any case and irrespective of the stage in which their transactions are carried out, for customers who do not receive standardised treatment, a relational risk management model is applied, with individualised treatment and monitoring by the assigned risk analyst. In addition to wholesale customers (Santander Corporate &amp; Investment Banking or SCIB) and large companies, this relational management model also includes other segments of smaller companies for which there is information and capacity for more personalised and expert analysis and monitoring.  As indicated in the Group's wholesale credit model, the individual treatment of the client facilitates the continuous updating of information. The risk assumed must be followed and monitored throughout its life cycle, enabling anticipation and action to be taken in the event of possible impairments. In this way, the customer's credit quality is analysed individually, taking into account specific aspects such as his competitive position, financial performance, management, etc. In the wholesale risk management model, every customer with a credit risk position is assigned a rating, which has an associated probability of customer default. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Thus, individual analysis of the debtor triggers a specific rating for each customer, which determines the appropriate parameters for calculating the expected loss, so that it is the rating itself that initially modulates the necessary coverage, adjusting the severity of the possible loss to the guarantees and other mitigating factors that the customer may have available. In addition, if as a result of this individualised monitoring of the customer, the analyst finally considers that his coverage is not sufficient, he has the necessary mechanisms to adjust it under his expert judgement, always under the appropriate governance.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i0fd588b877bf487e8eb78d75630d1597"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%">h) 'Non-current assets' and 'liabilities associated with non-current assets held for sale'</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:130%">Non-current assets held for sale' includes the carrying amount of individual items, disposal groups or items forming part of a business unit earmarked for disposal (discontinued operations), whose sale in their present condition is highly likely to be completed within one&#160;year from the reporting date. Therefore, the recovery of the carrying amount of these items&#160;-which can be of a financial nature or otherwise- will foreseeably be effected through the proceeds from their disposal.</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:130%">Specifically, property or other non-current assets received by the consolidated entities as total or partial settlement of their debtors&#8217; payment obligations to them are deemed to be 'Non-current assets held for sale', unless the consolidated entities have decided to make continuing use of these assets.</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:130%">'Liabilities associated with non-current assets held for sale' includes the balances payable arising from the assets held for sale or disposal groups and from discontinued operations.</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:130%">'Non-current assets and disposal groups of items that have been classified as held for sale' are generally recognised at the date of their allocation to this category and are subsequently valued at the lower of their fair value less costs to sell or its book value. 'Non-current assets and disposal groups of items that are classified as held for sale' are not amortised as long as they remain in this category.</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:130%">The valuation of the portfolio of non-current assets held for sale has been made in compliance with the requirements of International Financial Reporting Standards in relation to the estimate of the fair value of tangible assets and the value-in-use of financial assets.</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:130%">The value of the portfolio is determined as the sum of the values of the individual elements that compose the portfolio, without considering any total or batch grouping in order to correct the individual values.</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:130%">For the purposes of its consideration in initial recognition, the Group obtains, at the time of award, the fair value of the corresponding asset by requesting an appraisal from external valuation agencies.</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:130%">Grupo Santander has in place a corporate policy that ensures the professional competence and the independence and objectivity of the external appraisal agencies, in accordance with the regulations, which require appraisal agencies to meet independence, neutrality and credibility requirements, so that the use of their estimates does not reduce the reliability of its valuations. </span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This policy establishes that all the appraisal companies and agencies with which the Group works in Spain should be registered in the Official Register of the Bank of Spain and that the appraisals performed by them should follow the methodology established in Order ECO/805/2003, of 27 March. The main appraisal companies and agencies with which the Group worked in Spain in 2025 are as follows: Tinsa Tasaciones Inmobiliarias, S.A.U., Sociedad de Tasaci&#243;n, S.A., Global Valuation, S.A.U., Instituto de Valoraciones, S.A., Euroevaluaciones, S.A. and Valoraciones Mediterr&#225;neo, S.A. </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:130%">Also, this policy establishes that the various subsidiaries abroad work with appraisal companies that have recent experience in the area and the type of asset under appraisal and meet the independence requirements established in the corporate policy. They should verify, inter alia, that the appraisal company is not a party related to the Group and that its billings to the Group in the last twelve&#160;months do not exceed 15% of the appraisal company&#8217;s total billings.</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:130%">At 31 December 2025 the fair value less costs to sell of non-current assets held for sale exceeded their carrying amount by EUR 551 million (EUR 553 million at 31 December 2024); however, in accordance with the accounting standards, this unrealised gain could not be recognised.</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:130%">Banco Santander, in compliance with Bank of Spain Circular 4/2017, and subsequent amendments, on public and private financial reporting standards and financial statement models, has developed a methodology that enables it to estimate the fair value and costs of sale of assets foreclosed or received in payment of debts. This methodology is based on the classification of the portfolio of foreclosed assets into different segments. Segmentation enables the intrinsic characteristics of Banco Santander's portfolio of foreclosed assets to be differentiated, so that assets with homogeneous characteristics are grouped by segment.</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:130%">Thus, the portfolio is segmented into (i) finished assets of a residential and tertiary nature, (ii) developments in progress and (iii) land.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">1</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:121%">In determining the critical segments in the overall portfolio, assets are classified on the basis of the nature of the asset and its stage of development. This segmentation is made in order to seek the liquidation of the asset (which should be carried out in the shortest possible time).</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:130%">When making decisions, the situation and/or characteristics of the asset are fundamentally taken into account, as well as the evaluation of all the determining factors that favour the recovery of the debt. For them, the following aspects are analyzed, among others:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The time that has elapsed since the adjudication.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The transferability and contingencies of the foreclosed asset.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The economic viability from the real estate point of view with the necessary investment estimate.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The expenses that may arise from the marketing process.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The offers received, as well as the difficulties in finding buyers.</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:130%">In the case of real estate assets foreclosed in Spain, which represent 76% of the Group&#8217;s total non-current assets held for sale, the valuation of the portfolio is carried out by applying the following models:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Market Value Model used in the valuation of finished properties of a residential nature (mainly homes and car parks) and properties of a tertiary nature (offices, commercial premises and multipurpose buildings). For the valuation of finished assets whose availability for sale is immediate, a market sale value provided by a third party external to Banco Santander is considered, calculated under the AVM methodology by the comparable properties method adjusted by our experience in selling similar assets, given the term, price, volume, trend in the value of these assets and the time elapsing until their sale and discounting the estimated costs of sale.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The market value is determined on the basis of the definition established by the International Valuation Standards drawn up by the IVSC (International Valuation Standards Council), understood as the estimated amount for which an asset or a liability should be exchanged on the measurement date between a willing buyer and a willing seller, in an arm's length transaction, after appropriate marketing, and in which the parties have acted with sufficient information, prudently and without coercion.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The current market value of the properties is estimated on the basis of automated valuations obtained by taking comparable properties as a reference; simulating the procedure carried out by an appraiser in a physical valuation according to Order ECO 805/2003: selection of properties and obtaining the unit value by applying homogenisation adjustments. The selection of the properties is carried out by location within the same real estate cluster and according to the characteristics of the properties, filtering by type</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, surface area range and age. The model enables a distinction to be made within the municipality under study as to which areas are similar and comparable and therefore have a similar value in the property market, discriminating between which properties are good comparators and which are not.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Adjustments to homogenize the properties are made according to: (i) the age of the property according to the age of the property to be valued, (ii) the deviation of the built area from the common area with respect to the property to be valued and (iii) by age of the date of capture of the property according to the price evolution index of the real estate market.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, for individually significant assets, complete individual valuations are carried out, including a visit to the asset, market analysis (data relating to supply, demand, current sale or rental price ranges and supply-demand and revaluation expectations) and an estimate of expected income and costs.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span><br/></span></div></div></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">1. The assets in a situation of 'stopped development' are included under 'land</span></div><div style="padding-left:9.07pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">2. Assets qualified as protected housing are taken into account. The maximum legal value of these assets is determined by the VPO module, obtained from the result of multiplying the State Basic Module (MBE) by a zone coefficient determined by each autonomous community. To carry out the valuation of a protected property, the useful surface area is used in accordance with current regulations.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%">For this segmentation of assets, when they are completed, the real costs are known and the actual expenses for the marketing and sale of the asset must be taken into account. Therefore, Banco Santander uses the actual costs in its calculation engine or, failing that, those estimated on the basis of its observed experience.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Market Value Model according to Evolution of Market Values used to update the valuation of developments in progress. The valuation model estimates the current market value of the properties based on complete individual valuations by third parties, calculated from the values of the feasibility studies and development costs of the promotion, as well as the selling costs, distinguishing by location, size and type of property. The inputs used in the valuation model for residential assets under construction are actual revenues and costs.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For this purpose, in order to calculate the investment flows, Banco Santander considers, on the basis of the feasibility studies, the expenditure required for construction, the professional fees relating to the project and to project management, the premiums for mandatory building insurance, the developer's administrative expenses, licenses, taxes on new construction and fees, and urban development charges.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">With respect to the calculation of income flows, Banco Santander takes into account the square metres built, the number of homes under construction and the estimated selling price over 1.5 years.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The market value will be the result of the difference between the income flows and the investment flows estimated at each moment.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Land Valuation model. The methodology followed by the Group regarding land valuation consists of updating the individual reference valuation of each of the land on an annual basis, through updated valuation valuations carried out by independent professionals and following the methodology established in the Order ECO/805/2003, of 27 March, whose main verifications in the case of land valuation, regardless of the degree of urbanisation of the land, correspond to:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Visual verification of the assessed property.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Registry description.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Urban planning.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Visible easements.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Visible state of occupation, possession, use and exploitation.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Protection regime.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Apparent state of preservation.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Correspondence with cadastral property.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Existence of expropriation procedure, expropriation plan or project, administrative resolution or file that may lead to expropriation.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Expiry of the urbanization or building deadlines.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Existence of a procedure for failure to comply with obligations.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Verification of surfaces.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For the purposes of valuation, the land will be classified in the following levels:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Level I: It will include all the lands that do not belong to level II.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Level II: It shall include land classified as undeveloped where building is not allowed for uses other than agriculture, forestry, livestock or linked to an economic exploitation permitted by the regulations in force. Also included are lands classified as developable that are not included in a development area of urban planning or that, in such an area, the conditions for its development have not been defined.</span></div><div style="margin-bottom:9pt;padding-left:21.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In those cases where the Group does not have an updated reference value through an ECO valuation for the current year, we use as a reference value the latest available ECO valuation reduced or corrected by the average annual coverage ratio of the land on which we have obtained an updated reference value, through an ECO valuation. </span></div><div style="margin-bottom:9pt;padding-left:21.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander applies a discount to the aforementioned reference values that takes into account both the discount on the reference value in the sales process and the estimated costs of marketing or selling the land; discount on reference value = % discount on sales + % marketing costs being:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">% discount on Sales: = 100 - (sales price / updated appraisal value).</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">marketing costs: calculated on the basis of our historical experience in sales and in accordance with the marketing management fees negotiated with our suppliers of this type of service.</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:130%">In this way the Group obtains the corrected market value, an amount that we compare with the net cost of each piece of land to determine its correct valuation and conclude with our valuation process.</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:130%">In addition, in relation to the previously mentioned valuations, less costs to sell, are contrasted with the sales experience of each type of asset in order to confirm that there is no significant difference between the sale price and the valuation.</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:130%">Impairment losses on an asset or disposal group arising from a reduction in its carrying amount to its fair value (less costs to sell) are recognised under 'Gains or (losses) on non-current assets held for sale not classified as discontinued operations' in the consolidated income statement.</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:130%">The gains on a non-current asset held for sale resulting from subsequent increases in fair value (less costs to sell) increase its carrying amount and are recognised in the consolidated income statement up to an amount equal to the impairment losses previously recognised.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i9e34092d6b834964bbfc2ab45bfbad53"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">i) Assets under reinsurance contracts and Liabilities under insurance contracts</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:130%">The Group has prepared the accounting policy that establishes the criteria for recording insurance contracts, in accordance with IFRS 17. This standard defines insurance contracts as contracts under which one party accepts a significant insurance risk from another party by agreeing to compensate the policyholder if a specific uncertain future event negatively affects the policyholder. </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:130%">IFRS 17 requires a level of aggregation of contracts that the Group identifies in portfolios of contracts with similar risks and that are managed jointly. The Group then divides each portfolio into a minimum of three groups: (i) contracts that are onerous on initial recognition; (ii) contracts that, upon initial recognition, have no significant possibility of subsequently becoming onerous; and (iii) any remaining contract.</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:130%">For contracts that are considered not to be onerous, a profit margin is recognized in the profit and loss account (referred to as 'Contractual Service Margin' or 'CSM') throughout the period in which the entity performs the service. However, if at the time of initial recognition, or during the period in which the entity performs the service, the contract is onerous, the entity recognizes the loss in the income statement. </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:130%">Contract limits define the term up to which compliance cash flows must be considered in order to measure an insurance contract. Fulfilment cash flows comprise an unbiased, probability-weighted estimate of future cash flows, a discount adjustment to the present value to reflect the time value of money for monetary and financial risks, and a risk adjustment for non-fulfilment risks. financial. The identification of the contractual limit under IFRS 17 is essential not only for measuring the fulfilment cash flows of a group of contracts, but also for determining the applicable measurement model, in case the contractual limits are identified in a year or more.</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:130%">Cash flows are within the contractual limit of an insurance contract if they arise from substantial rights and obligations that exist during the reporting period, in which the entity can obligate the insurance policyholder to pay premiums or in which the entity has a substantive obligation to provide services to the insured. </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:130%">The Group has carried out an analysis of the limits of insurance and reinsurance contracts under IFRS 17, separately, generally applying the General Model (Building Block Approach) to all contracts, except those eligible to be valued by the Simplified Model (Premium Allocation Approach), or the Variable Commission Approach ('VCA' or Variable Fee Approach). </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:130%">The general model measures a group of contracts as the sum of the fulfilment cash flows and the Contractual Service Margin. The CSM represents benefits not yet recorded that the entity will recognize as providing services under the insurance contract.</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:130%">Insurance contracts with direct participation apply the VCA as a modified version of the General Model. This should reduce the volatility of results due to the asymmetry between the accounting treatment of the profit and losses of the underlying items attributable to the policyholders and the accounting treatment of the liability owed to those policyholders. </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:130%">Another aspect considered in measuring the present value of the future cash flows of a group of insurance contracts is the discount </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">rate applied to reflect the time value of money and the financial risks related to those cash flows. The Group has established a generally chosen methodology and guarantees that the calculation components have a homogeneous basis, previously approved by the Group, establishing the base curves provided by the Group and allowing adjustments to these curves based on the expert criteria of each local address.</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:130%">Likewise, measuring compliance cash flows requires a risk adjustment for non-financial risk. Risk adjustment for non-financial risk is the compensation necessary to withstand uncertainty about the amount and timing of cash flows arising from non-financial risks. If a change in the assumptions occurs, it could affect the income statement or the Other comprehensive income, depending on its nature. The risks covered by the risk adjustment for non-financial risk are insurance risk and other non-financial risks, such as interruption risk and expense risk.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i07112059568442ae9edf43226bafac77"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">j) Tangible assets</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:130%">Tangible assets includes the amount of buildings, land, furniture, vehicles, computer hardware and other fixtures owned by the consolidated entities or acquired under finance leases. Tangible assets are classified by use as follows:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ib2f05474c0d844f49d5d7c7a377f5dc0"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Property, plant and equipment for own use</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:130%">Property, plant and equipment for own use&#160;&#8211; including tangible assets received by the consolidated entities in full or partial satisfaction of financial assets representing receivables from third parties which are intended to be held for continuing use and tangible assets acquired under finance leases&#8211; are presented at acquisition cost, less the related accumulated depreciation and any estimated impairment losses (carrying amount higher than recoverable amount).</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:130%">Depreciation is calculated, using the straight-line method, on the basis of the acquisition cost of the assets less their residual value. The land on which the buildings and other structures stand has an indefinite life and, therefore, is not depreciated. </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:130%">The annual tangible asset depreciation charge is recognised in the consolidated income statement and are essentially equivalent to the following amortization percentages (determined based on the years of estimated useful life, on average, of the different elements):</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:64.332%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:33.468%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Average<br/>annual&#160;rate</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Buildings for own use</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.4</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Furniture</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.5</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Fixtures</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.5</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Office and IT equipment</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23.6</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Lease use rights</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Less than the lease<br/>term or the useful life<br/>of the underlying asset</span></td></tr></table></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:130%">At the end of each reporting period, consolidated entities assess whether there is any indication that the carrying amount of an asset exceeds its recoverable amount, in which case they write down the carrying amount of the asset to its recoverable amount and adjust future depreciation charges in proportion to its adjusted carrying amount and to its new remaining useful life, if the useful life needs to be re-estimated.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Similarly, if there is an indication of a recovery in the value of a tangible asset, the consolidated entities recognise the reversal of the impairment loss recognised in prior periods and adjust the future depreciation charges accordingly. In no circumstances may the reversal of an impairment loss on an asset raise its carrying amount above that which it would have if no impairment losses had been recognised in prior years.</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:130%">The estimated useful lives of the items of property, plant and equipment for own use are reviewed at least at the end of the reporting period with a view to detecting significant changes therein. If changes are detected, the useful lives of the assets are adjusted by correcting the depreciation charge to be recognised in the consolidated income statement in future years on the basis of the new useful lives.</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:130%">Upkeep and maintenance expenses relating to property, plant and equipment for own use are recognised as an expense in the period in which they are incurred, since they do not increase the useful lives of the assets.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i7a85c7851c4b4ffcb8804bcfad57748e"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Investment property</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:130%">'Investment property' reflects the net values of the land, buildings and other structures held either to earn rentals or for obtaining profits by sales due to future increase in market prices.</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:130%">The criteria used to recognise the acquisition cost of investment property, to calculate its depreciation and its estimated useful life and to recognise any impairment losses thereon are consistent with those described in relation to property, plant and equipment for own use.</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:130%">In the case of investment properties that support obligations to pay a return directly linked to fair value, or to the returns of certain assets including the investment property itself, such properties are measured using the fair value model.</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:130%">In order to evaluate the possible impairment Grupo Santander determines periodically the fair value of its investment property so that, at the end of the reporting period, the fair value reflects the market conditions of the investment property at that date. This fair value is determined annually, taking as benchmarks the valuations performed by independent experts. The methodology used to determine the fair value of investment property is selected based on the status of the asset in question; thus, for properties earmarked for lease, the valuations are performed using the sales comparison approach, whereas for leased properties the valuations are made primarily using the income capitalisation approach and, exceptionally, the sales comparison approach.</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:130%">In the sales comparison approach, the property market segment for comparable properties is analysed, inter alia, and, based on specific information on actual transactions and firm offers, current prices are obtained for cash sales of those properties. The valuations performed using this approach are considered as Level 2 valuations.</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:130%">In the income capitalisation approach, the cash flows estimated to be obtained over the useful life of the property are discounted taking into account factors that may influence the amount and actual obtainment thereof, such as: (i) the payments that are normally received on comparable properties; (ii) current and probable future occupancy; (iii) the current or foreseeable default rate on payments. The valuations performed using this approach </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">are considered as Level 3 valuations, since significant unobservable inputs are used, such as current and probable future occupancy and/or the current or foreseeable default rate on payments.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i6f8e1d7c99f048ef8f1577acde4dd1f9"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Assets leased out under an operating lease</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:130%">'Property, plant and equipment'&#160;- Leased out under an operating lease reflects the amount of the tangible assets, other than land and buildings, leased out by the Group under an operating lease.</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:130%">The criteria used to recognise the acquisition cost of assets leased out under operating leases, to calculate their depreciation and their respective estimated useful lives and to recognise the impairment losses thereon are consistent with those described in relation to property, plant and equipment for own use.</span></div><div style="margin-bottom:6pt"><span id="ie2166e8db4d74270b4340a707dca0919"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">k) Accounting for leases</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:130%">The main aspects contained in the regulation (IFRS 16) adopted by the Group are included below:</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:130%">When the Group acts as lessee, it recognises a right-of-use asset representing its right to use the underlying leased asset with a corresponding lease liability on the date on which the leased asset is available for use by the Group.</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:130%">Each lease payment is allocated between liability and finance charge. The finance charge is allocated to the income statement during the term of the lease in such a way as to produce a constant periodic interest rate on the remaining balance of the liability for each year.</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:130%">The right-of-use asset is depreciated over the useful life of the asset or the lease term, whichever is shorter, on a straight-line basis. If the Group is reasonably certain to exercise a purchase option, the right-of-use asset is amortized over the useful life of the underlying asset. </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:130%">Assets and liabilities arising from a lease are initially measured at present value. Lease liabilities include the net present value of the following lease payments:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Fixed payments (including inflation-linked payments), less any lease incentive receivable.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Variable lease payments that depend on an index or rate.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">The amounts expected to be paid by the lessee under residual value guarantees.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">The exercise price of a purchase option if the lessee is reasonably certain that it will exercise that option.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Lease termination penalty payments, if the term of the lease reflects the lessee's exercise of that option.</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:130%">Lease payments are discounted using the interest rate implicit in the lease. When this interest rate cannot be obtained, the interest rate used in these cases, is the lessee's incremental borrowing rate at the related date. For this purpose, the entity has calculated this incremental borrowing rate taking as reference the listed debt instruments issued by the Group; in this regard, the Group has estimated different interest rate curves depending on the currency and economic environment in which the contracts are located. </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:130%">In order to construct the incremental borrowing rate, a methodology has been developed at the corporate level. This </span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">methodology is based on the need for each entity to consider its economic and financial situation, for which the following factors must be considered:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Economic and political situation (country risk).</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Credit risk of the company.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Monetary policy.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Volume and seniority of the company&#8217;s debt instrument issues.</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:130%">The incremental borrowing rate is defined as the interest rate that a lessee would have to pay for borrowing, given a similar period to the duration of the lease and with similar security, the funds necessary to obtain an asset of similar value to the right-of-use asset in a similar economic environment. The Group entities have a wide stock and variety of financing instruments issued in different currencies to that of the euro (pound, dollar, etc.) that provide sufficient information to be able to determine an 'all in rate' (reference rate plus adjustment for credit spread at different terms and in different currencies).  In circumstances, where the leasing company has its own financing, this has been used as the starting point for determining the incremental borrowing rate. On the other hand, for those Grupo Santander entities that do not have their own financing, the information from the financing of the consolidated subgroup to which they belong was used as the starting point for estimating the entity's curve, analysing other factors to assess whether it is necessary to make any type of negative or positive adjustment to the initially estimated credit spread.</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:130%">Right-of-use assets are valued at cost which includes the following:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">The amount of the initial measurement of the lease liability.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Any lease payment made at or before the commencement date less any lease incentive received.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Any initial direct costs.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Restoration costs.</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:130%">The Group recognises the payments associated with short-term leases and leases of low-value assets on a straight-line basis as an expense in the income statement. Short-term leases are leases with a lease term less than or equal to 12 months (a lease that contains a purchase option is not a short term lease).</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="idbb2cc688ae64cfe86b1fc784d379442"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">l) Intangible assets</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:130%">Intangible assets are identifiable non-monetary assets (separable from other assets) without physical substance which arise as a result of a legal transaction or which are developed internally by the consolidated entities.</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:130%">Only assets whose cost can be measured reliably and it is likely that the consolidated entities obtain future economic benefits are recognised.</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:130%">Intangible assets are recognised initially at acquisition or production cost and are subsequently measured at cost less any accumulated amortisation and any accumulated impairment losses.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="ia2fb0f774fdb4b1eb81bb870a8df5761"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Goodwill</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:130%">Any excess of the cost of the investments in the consolidated entities and entities accounted for using the equity method over the corresponding underlying carrying amounts acquired, adjusted at the date of first-time consolidation, is allocated as follows:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt">If it is attributable to specific assets and liabilities of the companies acquired, by increasing the value of the assets (or reducing the value of the liabilities) whose fair values were higher (lower) than the carrying amounts at which they had been recognised in the acquired entities&#8217; balance sheets.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt">If it is attributable to specific intangible assets, by recognising it explicitly in the consolidated balance sheet provided that the fair value of these assets within twelve months following the date of acquisition can be measured reliably.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.48pt">The remaining amount is recognised as goodwill, which is allocated to one or more cash-generating units (CGU) (a cash-generating unit is the smallest identifiable group of assets that, as a result of continuing operation, generates cash inflows that are largely independent of the cash inflows from other assets or groups of assets). The cash-generating units represent the Group&#8217;s geographical and/or business segments.</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:130%">Goodwill (only recognised when it has been acquired by consideration) represents, therefore, a payment made by the acquirer in anticipation of future economic benefits from assets of the acquired entity that are not capable of being individually identified and separately recognised.</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:130%">At the end of each annual reporting period or whenever there is any indication of impairment goodwill is reviewed for impairment (i.e. a reduction in its recoverable amount to below its carrying amount) and, if there is any impairment, the goodwill is written down with a charge to 'Impairment or reversal of impairment on non-financial assets, net - Intangible assets' in the consolidated income statement.</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:130%">An impairment loss recognised for goodwill is not reversed in a subsequent period.</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:130%">In the event of sale or departure of an activity that is part of a CGU, the part of the goodwill that can be assigned to said activity would be written-off, taking as a reference the relative value of the same over the total of the CGU at the time of sale or abandonment. If applicable, the distribution by currency of the remaining goodwill will be performed based on the relative values of the remaining activities.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i225868c7bd5d45569442ef24309f1781"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Other intangible assets</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:130%">Other intangible assets includes the amount of identifiable intangible assets, such as purchased customer lists and computer software.</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:130%">Other intangible assets can have an indefinite useful life&#160;-when, based on an analysis of all the relevant factors, it is concluded that there is no foreseeable limit to the period over which the asset is expected to generate net cash inflows for the consolidated entities- or a finite useful life, in all other cases.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Intangible assets with indefinite useful lives are not amortised, but rather at the end of each reporting period or whenever there is any indication of impairment the consolidated entities review the remaining useful lives of the assets in order to determine whether they continue to be indefinite and, if this is not the case, to take the appropriate steps.</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:130%">Intangible assets with finite useful lives are amortised over those useful lives using methods similar to those used to depreciate tangible assets.</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:130%">The intangible asset amortisation charge is recognised under 'Depreciation and amortisation' in the consolidated income statement.</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:130%">In both cases the consolidated entities recognise any impairment loss on the carrying amount of these assets with a charge to 'Impairment or reversal of impairment on non-financial assets, net - Intangible assets in the consolidated' income statement. </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:130%">The criteria used to recognise the impairment losses on these assets and, where applicable, the reversal of impairment losses recognised in prior years are similar to those used for tangible assets (see note 2.k).</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i89adc46db5f0489f88538dd2538c9ec3"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Internally developed computer software</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:130%">Internally developed computer software is recognised as an intangible asset if, among other requisites (basically the Group&#8217;s ability to use or sell it), it can be identified and its ability to generate future economic benefits can be demonstrated.</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:130%">Expenditure on research activities is recognised as an expense in the year in which it is incurred and cannot be subsequently capitalised into the carrying amount of the intangible asset.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="ia138a9b7d61b4fbc84d09d1c29bd2712"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">m) Other assets</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:130%">Other assets' in the consolidated balance sheet includes the amount of assets not recorded in other items, the breakdown being as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Inventories: this item includes the amount of assets, other than financial instruments, that are held for sale in the ordinary course of business, that are in the process of production, construction or development for such purpose, or that are to be consumed in the production process or in the provision of services. Inventories include land and other property held for sale in the property development business.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Inventories are measured at the lower of cost and net realisable value, which is the estimated selling price of the inventories in the ordinary course of business, less the estimated costs of completion and the estimated costs required to make the sale.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Any write-downs of inventories -such as those due to damage, obsolescence or reduction of selling price- to net realisable value and other impairment losses are recognised as expenses for the year in which the impairment or loss occurs. Subsequent reversals are recognised in the consolidated income statement for the year in which they occur.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The carrying amount of inventories is derecognised and recognised as an expense in the period in which the revenue from their sale is recognised.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Other: this item includes the balance of all prepayments and accrued income (excluding accrued interest, fees and commissions), the net amount of the difference between pension plan obligations and the value of the plan assets with a balance in the entity&#8217;s favour, when this net amount is to be reported in the consolidated balance sheet, and the amount of any other assets not included in other items.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i03d73dffb20e499cb1228d050d090469"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">n) Other liabilities</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:130%">'Other liabilities' includes the balance of all accrued expenses and deferred income, excluding those related to interests and fees on financial instruments, as well as the amount of any other liabilities not included in other categories.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i1e101615bae345fb8d7e7edf5a2d2cea"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">o) Provisions and contingent liabilities (assets)</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:130%">When preparing the financial statements of the consolidated entities, Banco Santander makes a distinction between:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Provisions: credit balances covering present obligations at the reporting date arising from past events which could give rise to a loss for the consolidated entities, which is considered to be likely to occur and certain as to its nature but uncertain as to its amount and/or timing.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Contingent liabilities: possible obligations that arise from past events and whose existence will be confirmed only by the occurrence or non-occurrence of one or more future events not wholly within the control of the consolidated entities. They include the present obligations of the consolidated entities when it is not probable that an outflow of resources embodying economic benefits will be required to settle them. The Group does not recognise the contingent liability. The Group will disclose a contingent liability, unless the possibility of an outflow of resources embodying economic benefits is remote.   </span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Irrevocable contingent payments (ICPs), corresponding to payment facilities allowed under the annual contributions of certain levies, are recorded in accordance with the definitions mentioned above. In this regard, on 14 November 2025, the Group learned that the CJEU had definitively resolved the dispute concerning the CPI contributions made by a financial institution to the Single Resolution Fund, upholding the judgment of the General Court of 25 October 2023, which ruled against said financial institution regarding its request for the return of guarantees linked to irrevocable payment commitments for a Group entity whose license had been withdrawn. In light of this ruling, it was concluded that it was not necessary to modify the accounting entries that the Santander Group has made when using these facilities to make contributions corresponding to this levy or to other similar levies that also allow for such contributions.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Contingent assets: possible assets that arise from past events and whose existence is conditional on, and will be confirmed only by, the occurrence or non-occurrence of one or more uncertain future events not wholly within the control of the Group. Contingent assets are not recognised in the consolidated balance sheet or in the consolidated income statement, but rather are disclosed in the notes, provided that it is probable that these assets will give rise to an increase in resources embodying economic benefits.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span><br/></span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander&#8217;s consolidated financial statements include all the material provisions with respect to which it is considered that it is more likely than not the obligation will have to be settled. In accordance with accounting standards, contingent liabilities must not be recognised in the consolidated financial statements, but must rather be disclosed in the Notes.</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:130%">Provisions (which are quantified on the basis of the best information available on the consequences of the event giving rise to them and are reviewed and adjusted at the end of each year) are used to cater for the specific obligations for which they were originally recognised. Provisions are fully or partially reversed when such obligations cease to exist or are reduced.</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:130%">Provisions are classified according to the obligations covered as follows (see note 25):</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Provision for pensions and similar obligations: includes the amount of all the provisions made to cover post-employment benefits, including obligations to pre-retirees and similar obligations.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Provisions for contingent liabilities and commitments: include the amount of the provisions made to cover contingent liabilities&#160;-defined as those transactions in which the Group guarantees the obligations of a third party, arising as a result of financial guarantees granted or contracts of another kind- and contingent commitments&#160;-defined as irrevocable commitments that may give rise to the recognition of financial assets.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Provisions for taxes and other legal contingencies and Other provisions: include the amount of the provisions recognised to cover tax and legal contingencies and litigation and the other provisions recognised by the consolidated entities. Other provisions includes, inter alia, any provisions for restructuring costs and environmental measures.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i434b4093bbce469e974155c54d75482d"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">p) Own equity instruments</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:130%">Own equity instruments are those meeting both of the following conditions:</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">The instruments do not include any contractual obligation for the issuer (i)&#160;to deliver cash or another financial asset to a third party; or (ii)&#160;to exchange financial assets or financial liabilities with a third party under conditions that are potentially unfavourable to the issuer.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">The instruments will or may be settled in the issuer&#8217;s own equity instruments and are: (i)&#160;a non-derivative that includes no contractual obligation for the issuer to deliver a variable number of its own equity instruments; or (ii)&#160;a derivative that will be settled by the issuer through the exchange of a fixed amount of cash or another financial asset for a fixed number of its own equity instruments.</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:130%">Transactions involving own equity instruments, including their issuance and cancellation, are charged directly to equity.</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:130%">Changes in the value of instruments classified as own equity instruments are not recognised in the consolidated financial statements. Consideration received or paid in exchange for such instruments, including the coupons on preference shares contingently convertible into ordinary shares and the coupons associated with CCPP, is directly added to or deducted from equity.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i8ffaff6e4a7542b3af75418684f47127"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">q) Equity-instrument-based employee remuneration</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:130%">Own equity instruments delivered to employees in consideration for their services, if the instruments are delivered once the specific period of service has ended, are recognised as an expense for services (with the corresponding increase in equity) as the services are rendered by employees during the service period. At the grant date the services received (and the related increase in equity) are measured&#160;at the fair value of the equity instruments granted. If the equity instruments granted are vested immediately, Grupo Santander recognises in full, at the grant date, the expense for the services received.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">When the requirements stipulated in the remuneration agreement include external market conditions (such as equity instruments reaching a certain quoted price), the amount ultimately to be recognised in equity will depend on the other conditions being met by the employees (normally length of service requirements), irrespective of whether the market conditions are satisfied.</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:130%">If the conditions of the agreement are met but the external market conditions are not satisfied, the amounts previously recognised in equity are not reversed, even if the employees do not exercise their right to receive the equity instruments.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="idd0b75cebca94e74b4bca79068e86c90"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">r) Recognition of income and expenses</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:130%">The most significant criteria used by Grupo Santander to recognise its income and expenses are summarised as follows:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ibf4716bbecf44f7f8a4ff4b91fb3b4b2"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Interest income, interest expenses and similar items</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:130%">Interest income, interest expenses and similar items are generally recognised on an accrual basis using the effective interest method. Dividends received from other companies are recognised as income when the consolidated entities&#8217; right to receive them arises.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i97e5ba2789b24eaca2c11b4a64ef4dcd"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Commissions, fees and similar items</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:130%">Fee and commission income and expenses are recognised in the consolidated income statement using criteria that vary according to their nature. The main criteria are as follows:</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Fee and commission income and expenses relating to financial assets and financial liabilities measured at fair value through profit or loss are recognised when paid.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Those arising from transactions or services that are performed over a period of time are recognised over the life of these transactions or services.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Those relating to services provided in a single act are recognised when the single act is carried out.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i1ad1ca147be64d4daa8dcf680d939082"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Non-finance income and expenses</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:130%">They are recognised for accounting purposes when the good is delivered or the non-financial service is rendered. To determine the amount and timing of recognition, a five-step model is followed: identification of the contract with the customer, identification of the separate obligations of the contract, determination of the transaction price, distribution of the transaction price among the identified obligations and finally recording of income as the obligations are satisfied.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i416e1293a8bc4a7c93665c1788d244fd"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iv. Deferred collections and payments</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:130%">These are recognised for accounting purposes at the amount resulting from discounting the expected cash flows at market rates.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ie57539c46d224527a8527ef6146ed7f9"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">v. Loan arrangement fees</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:130%">Loan arrangement fees, mainly loan origination, application and information fees, are accrued and recognised in income over the term of the loan.</span></div><div style="margin-bottom:6pt;margin-top:9pt;text-align:justify"><span id="i670fe92a280f46c9826dfe2d3117c222"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">s) Financial guarantees</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:130%">Financial guarantees are considered contracts that require the issuer to make specific payments to reimburse the creditor for the loss it incurs when a specific debtor defaults on its due date payment obligation in accordance with the original or modified conditions of debt instrument, regardless of its legal form, which may be, among others, a deposit, financial guarantee, insurance contract or credit derivative.</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:130%">Grupo Santander initially recognises the financial guarantees provided on the liability side of the consolidated balance sheet at fair value, which is generally the present value of the fees, commissions and interest receivable from these contracts over the term thereof, and simultaneously the Group recognises the amount of the fees, commissions and similar interest received at the inception of the transactions and a credit on the asset side of the consolidated balance sheet for the present value of the fees, commissions and interest outstanding.</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:130%">Financial guarantees, regardless of the guarantor, instrumentation or other circumstances, are reviewed periodically so as to determine the credit risk to which they are exposed and, if appropriate, to consider whether a provision is required. The credit risk is determined by application of criteria similar to those established for quantifying impairment losses on debt instruments carried at amortised cost (described in note 2.g above).</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:130%">The provisions made for these transactions are recognised under 'Provisions - Provisions for commitments and guarantees given in the consolidated balance sheet' (see note 25). These provisions are recognised and reversed with a charge or credit, respectively, to 'Provisions or reversal of provisions', net, in the consolidated income statement.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i28693aa5db9740d1942e251b1d8d5cf5"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">t) Assets under management and investment and pension funds managed by the Group</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:130%">Assets owned by third parties and managed by the consolidated entities are not presented on the face of the consolidated balance sheet. The investment funds and pension funds managed by the consolidated companies are also not presented in the Group's consolidated balance sheet, as they are owned by third parties.</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:130%">The commissions generated by these activities are included in the balance of the 'Commission income' chapter of the consolidated profit and loss account.</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:130%">Note&#160;2.b.iv describes the internal criteria and procedures used to determine whether control exists over the structured entities, which include, inter alia, investment funds and pension funds.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="icec63a92f30a49b885aa177a80e80c2a"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">u) Post-employment benefits</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:130%">Under the collective agreements currently in force and other arrangements, the Spanish banks included in the Group and certain other Spanish and foreign consolidated entities have undertaken to supplement the public social security system benefits accruing to certain employees, and to their beneficiary right holders, for retirement, permanent disability or death, and the post-employment welfare benefits.</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:130%">Grupo Santander's post-employment obligations to its employees are deemed to be defined contribution plans when the Group makes pre-determined contributions (recognised under Personnel expenses in the consolidated income statement) to a separate entity and will have no legal or effective obligation to make further contributions if the separate entity cannot pay the employee benefits relating to the service rendered in the current and prior periods. Post-employment obligations that do not meet the aforementioned conditions are classified as defined benefit plans (see note 25).</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4cb3919e9038469faf53a414b73798d8"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Defined contribution plans</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:130%">The contributions made in this connection in each year are recognised under 'Personnel expenses' in the consolidated income statement. </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:130%">The amounts not yet contributed at each year-end are recognised, at their present value, under 'Provisions - Provision for pensions' and similar obligations on the liability side of the consolidated balance sheet.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i6e144e0ac7a348d5988dd17df2992bbb"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Defined benefit plans</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:130%">Grupo Santander recognises under 'Provisions&#160;- Provision for pensions and similar obligations on the liability side of the consolidated balance sheet' (or under 'Other assets' on the asset side, as appropriate) the present value of its defined benefit post-employment obligations, net of the fair value of the plan assets.</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:130%">Plan assets are defined as those that will be directly used to settle obligations and that meet the following conditions:</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">They are not owned by the consolidated entities, but by a legally separate third party that is not a party related to the Group.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">They are only available to pay or fund post-employment benefits and they cannot be returned to the consolidated entities unless the assets remaining in the plan are sufficient to meet all the benefit obligations of the plan and of the entity to current and former employees, or they are returned to reimburse employee benefits already paid by Grupo Santander.</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:130%">If Grupo Santander can look to an insurer to pay part or all of the expenditure required to settle a defined benefit obligation, and it is practically certain that said insurer will reimburse some or all of the expenditure required to settle that obligation, but the insurance policy does not qualify as a plan asset, the Group recognises its right to reimbursement -which, in all other respects, is treated as a plan asset- under 'Insurance contracts linked to pensions' on the asset side of the consolidated balance sheet.</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:130%">Grupo Santander will recognise the following items in the income statement:</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Current service cost, (the increase in the present value of the obligations resulting from employee service in the current period), is recognised under 'Staff costs'.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The past service cost, which arises from changes to existing post-employment benefits or from the introduction of new benefits and includes the cost of reductions, is recognised under 'Provisions or reversal of provisions'.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Any gain or loss arising from a liquidation of the plan is included in the 'Provisions or reversion of provisions'.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net interest on the net defined benefit liability (asset), i.e. the change during the period in the net defined benefit liability (asset) that arises from the passage of time, is recognised under 'Interest expense' and similar charges ('Interest and similar income' if it constitutes income) in the consolidated income statement.</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:130%">The remeasurement of the net defined benefit liability (asset) is recognised in 'Other comprehensive income' under Items not reclassified to profit or loss and includes:</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Actuarial gains and losses generated in the&#160;year, arising from the differences between the previous actuarial assumptions and what has actually occurred and from the effects of changes in actuarial assumptions.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">The return on plan assets, excluding amounts included in net interest on the net defined benefit liability (asset).</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Any change in the effect of the asset ceiling, excluding amounts included in net interest on the net defined benefit liability (asset).</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i4d41fa2a97d54255b1e515e2363a401e"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">v) Other long-term employee benefits</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:130%">Other long-term employee benefits, defined as obligations to pre-retirees&#160;-taken to be those who have ceased to render services at the entity but who, without being legally retired, continue to have economic rights vis-&#224;-vis the entity until they acquire the legal status of retiree-, long-service bonuses, obligations for death of spouse or disability before retirement that depend on the employee&#8217;s length of service at the entity and other similar items, are treated for accounting purposes, where applicable, as established above for defined benefit post-employment plans, except that actuarial gains and losses are recognised under 'Provisions or reversal of provisions', net, in the consolidated income statement (see note&#160;25).</span></div><div style="margin-bottom:6pt"><span id="if2ba44ec1bd64ab28e07704e28387c28"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">w) Termination benefits</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:130%">Termination benefits are recognised when there is a detailed formal plan identifying the basic changes to be made, provided that implementation of the plan has begun, its main features have been publicly announced or objective facts concerning its implementation have been disclosed.</span></div><div style="margin-bottom:6pt"><span id="i66b05f317b6342b495620b80f1e23f19"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">x) Income tax</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:130%">The expense for Spanish income tax and other similar taxes applicable to the foreign consolidated entities is recognised in the consolidated income statement, except when they arise from a transaction whose results are recognised directly in equity, in which case the related tax effect is recognised in equity.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The current income tax expense is calculated as the sum of the current tax resulting from application of the appropriate tax rate to the taxable profit for the year (net of any deductions allowable for tax purposes), and of the changes in deferred tax assets and liabilities recognised in the consolidated income statement.</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:130%">'Deferred tax assets' and liabilities include temporary differences, which are identified as the amounts expected to be payable or recoverable on differences between the carrying amounts of assets and liabilities and their related tax bases, and tax loss and tax credit carryforwards. These amounts are measured at the tax rates that are expected to apply in the period when the asset is realised or the liability is settled.</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:130%">'Tax assets' include the amount of all tax assets, which are broken down into current&#160;-amounts of tax to be recovered within the next twelve&#160;months- and deferred&#160;-amounts of tax to be recovered in future&#160;years, including those arising from tax loss or tax credit carryforwards.</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:130%">Tax liabilities' includes the amount of all tax liabilities (except provisions for taxes), which are broken down into current&#160;-the amount payable in respect of the income tax on the taxable profit for the&#160;year and other taxes in the next twelve&#160;months- and deferred&#160;-the amount of income tax payable in future&#160;years.</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:130%">Deferred tax liabilities are recognised in respect of taxable temporary differences associated with investments in subsidiaries, associates or joint ventures, except when the Group is able to control the timing of the reversal of the temporary difference and, in addition, it is probable that the temporary difference will not reverse in the foreseeable future. In this regard, no deferred tax liabilities of EUR 321.9 million were recognised in relation to the taxation that would arise from the undistributed earnings of certain Group holding companies, in accordance with the legislation applicable in those jurisdictions.</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:130%">Deferred tax assets are only recognised for temporary differences to the extent that it is considered probable that the consolidated entities will have sufficient future taxable profits against which the deferred tax assets can be utilised, and the deferred tax assets do not arise from, in its initial recognition of (i)a business combination, (ii) an operation that does not affect either the tax result or the accounting result or (iii) on the date of the transaction, does not generate deductible and taxable temporary differences for the same amount (in which case assets and deferred tax liabilities). Other deferred tax assets (tax loss and tax credit carryforwards) are only recognised if it is considered probable that the consolidated entities will have sufficient future taxable profits against which they can be utilised.</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:130%">Differences generated by the different accounting and tax treatment of any of the income and expenses recorded directly in equity to be paid or recovered in the future are accounted for as temporary differences.</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:130%">The deferred tax assets and liabilities are reassessed at the reporting date in order to ascertain whether any adjustments need to be made on the basis of the findings of the analyses performed.</span></div></div></div><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Regarding taxes on profits arising from the application of tax laws for the implementation of the Pillar Two model rules, including those related to national minimum complementary taxes, the Group applies the mandatory and temporary exception to the recognition of deferred tax assets and liabilities derived from said tax laws (see note 27.f).</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="ie87b529c07a748c18f34ada2b9446e34"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">y) Residual maturity periods</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:130%">In note 51 it is provided an analysis of the maturities of the balances of certain items in the consolidated balance sheet.</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:130%">Santander Group has recorded as 'time liabilities' those recognised financial liabilities in which the counterparty may require payments.</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:130%">Likewise, when Grupo Santander has committed to having amounts available at different maturity periods, these amounts have been recorded in the first year in which they may be required.</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:130%">Additionally, for the financial guarantee contracts issued, the Group has recorded the maximum amount of the financial guarantee issued in the first year in which the guarantee can be executed.</span></div><div style="margin-bottom:9pt;margin-top:9pt"><span id="i89e400f35bf94e849c11010a41e89519"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">z) Consolidated statement of recognised income and expense</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:130%">This statement presents the income and expenses generated by the Group as a result of its business activity in the year, and a distinction is made between the income and expenses recognised in the consolidated income statement for the year and the other income and expenses recognised directly in consolidated equity.</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:130%">Accordingly, this statement presents:</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.&#160;&#160;&#160;&#160;Consolidated profit for the year.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.&#160;&#160;&#160;&#160;The net amount of the income and expenses recognised in 'Other comprehensive income' under items that will not be reclassified to profit or loss.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c.&#160;&#160;&#160;&#160;The net amount of the income and expenses recognised in Other comprehensive income under items that may be reclassified subsequently to profit or loss.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">d.&#160;&#160;&#160;&#160;The income tax incurred in respect of the items indicated in b and c above, except for the valuation adjustments arising from investments in associates or joint ventures accounted for using the equity method, which are presented net.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">e.&#160;&#160;&#160;&#160;Total consolidated recognised income and expense, calculated as the sum of a) to d) above, presenting separately the amount attributable to the parent company and the amount relating to non-controlling interests.</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:130%">The statement presents the items separately by nature, grouping together items that, in accordance with the applicable accounting standards, will not be reclassified subsequently to profit and loss since the requirements established by the corresponding accounting standards are met.</span></div></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="iedcae727762d428bbd42a6ef9622c442"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">aa) Statement of changes in total equity</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:130%">This statement presents all the changes in equity, including those arising from changes in accounting policies and from the correction of errors. Accordingly, this statement presents a reconciliation of the carrying amount at the beginning and end of the&#160;year of all the consolidated equity items, and the changes are grouped together on the basis of their nature into the following items:</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.&#160;&#160;&#160;&#160;Adjustments due to changes in accounting policies and to errors: include the changes in consolidated equity arising as a result of the retrospective restatement of the balances in the consolidated financial statements, distinguishing between those resulting from changes in accounting policies and those relating to the correction of errors.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.&#160;&#160;&#160;&#160;Income and expense recognised in the year: includes, in aggregate form, the total of the aforementioned items recognised in the consolidated statement of recognised 'Income and expense'.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c.&#160;&#160;&#160;&#160;Other changes in equity: includes the remaining items recognised in equity, including, inter alia, increases and decreases in capital, distribution of profit, transactions involving own equity instruments, equity-instrument-based payments, transfers between equity items and any other increases or decreases in consolidated equity.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i735fa54e6566433b90c38e2a2c1306f6"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">ab) Consolidated statement of cash flows</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:130%">The following terms are used in the consolidated statements of cash flows with the meanings specified:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Cash flows: inflows and outflows of cash and cash equivalents, which are short-term, highly liquid investments that are subject to an insignificant risk of changes in value, irrespective of the portfolio in which they are classified.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander classifies as cash and cash equivalents the balances recognised under 'Cash, cash balances at central banks' and 'Other deposits on demand' in the consolidated balance sheet.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Operating activities: the principal revenue-producing activities of credit institutions and other activities that are not investing or financing activities.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Investing activities: the acquisition or disposal of long-term assets and other investments not included in cash and cash equivalents.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Financing activities: activities that result in changes in the size and composition of the equity and liabilities that are not operating activities.</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:130%">During 2025 Grupo Santander received interest amounting to EUR 109,840 million (EUR 117,046 and EUR 101,029 in 2024 and 2023, respectively) and paid interest amounting to EUR 57,737 million (EUR 61,091 and EUR 50,954 in 2024 and 2023, respectively).</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:130%">Also, dividends received and paid by the Group are detailed in notes 4, 28 and 40, including dividends paid to minority interests (non-controlling interests)</span></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Grupo Santander<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsAbstract', window );"><strong>Disclosure of detailed information about business combination [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsExplanatory', window );">Grupo Santander</a></td>
<td class="text">Grupo Santander<div style="margin-bottom:6pt;margin-top:9pt"><span id="i38ea923e60524e1eaa266d9137f0dcf7"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Banco Santander, S.A., and international Group structure</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:130%">The growth of Grupo Santander in the last decades has led Banco Santander to also act, in practice, as a holding entity of the shares of the various companies in its Group, and its results are becoming progressively less representative of the performance and earnings of the Group. Therefore, each&#160;year the bank determines the amount of the dividends to be distributed to its shareholders on the basis of the consolidated net profit, while maintaining the Group&#8217;s objectives of capitalisation and taking into account that the transactions of the Bank and of the rest of the Group are managed on a consolidated basis (notwithstanding the allocation to each company of the related net worth effect).</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:130%">At the international level, the various banks and other subsidiaries, joint ventures and associates of the Group are integrated in a corporate structure comprising various holding companies which are the ultimate shareholders of the banks and subsidiaries abroad.</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:130%">The purpose of this structure, all of which is controlled Banco Santander, is to optimise the international organisation from the strategic, economic, financial and tax standpoints, since it makes it possible to define the most appropriate units to be entrusted with acquiring, selling or holding stakes in other international entities, the most appropriate financing method for these transactions and the most appropriate means of remitting the profits obtained by the group&#8217;s various operating units to Spain.</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:130%">The Appendices provide relevant data on the consolidated group companies and on the companies accounted for using the equity method.</span></div><div style="margin-bottom:6pt"><span id="i8c7262a38ba34b96b3a52ce446199e9e"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Acquisitions and disposals </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:130%">Following is a summary of the main acquisitions and disposals of ownership interests in the share capital of other entities and other significant corporate transactions performed in the last three years or pending to be completed:</span></div><div style="margin-bottom:3pt"><span id="ieb3773a868db4c56a58b4385323c6743"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:130%">i. 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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 5 May 2025, Banco Santander announced an agreement to sell approximately 49% of the share capital of Santander Bank Polska S.A. (Santander 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 approximately EUR 7,000&#160;million. Following the transaction and the accelerated placement of ordinary shares announced on 2 December 2025, of 3,576,626 ordinary shares of Santander Polska, representing approximately 3.5% of its share capital, for a total import of EUR 407&#160;million, Santander will hold 9.7% of Santander Polska's share capital (58.7% as of 31 December 2025). The transaction was completed on 9 January 2026 (see Note 1.g. Introduction, basis of presentation of the consolidated annual accounts, and other information, subsequent events).</span></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As a result of the agreement, the Group has reclassified the assets of Santander Polska and TFI in the consolidated balance sheet as of 31 December 2025, to the heading 'Non-current assets held for sale', and their liabilities to the heading 'Liabilities associated with non-current assets held for sale'. Furthermore, the effect of these businesses on the profit and loss account for the 2025 financial year has been classified under the heading 'Profit/(loss) after tax from discontinued operations' (see Note 12), with the same classification being applied for comparative purposes in the profit and loss accounts for the 2024 and 2023 financial years.</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:130%">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 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="margin-bottom:3pt;margin-top:6pt"><span id="ieafc23cb2d254f91a65b1c76794b96c1"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Agreement for the acquisition of TSB Banking Group plc</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:130%">On 1 July 2025, Banco Santander announced an agreement with Banco de Sabadell, S.A. for the acquisition of TSB Banking Group plc for approximately GBP 2,650&#160;million (EUR 3,100&#160;million) plus the results generated by this business between 31 March 2025, and the closing of the transaction.</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:130%">The completion of the transaction is subject to the usual conditions for this type of deal, including obtaining the relevant regulatory authorizations.</span></div><div style="margin-bottom:3pt"><span id="i9cbb6ab3d492416bae1a503ad6fd67e9"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:130%">iii. Agreement for the sale of the stake in Caceis</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:130%">On 19 December 2024, Grupo Santander signed an agreement with Cr&#233;dit Agricole S.A. for the sale of its 30.5% stake in the share capital of CACEIS. As a result of the above, as of 31 December 2024, this participation was reclassified, at its carrying value, from the line item 'investments' to the line item 'Non-current assets held for sale' in the balance sheet (see Note 6). The transaction was formalized in 2025 after obtaining the relevant regulatory approvals, generating a profit before taxes of EUR 231&#160;million registered in the line item 'Gains or losses on non-current assets held for sale not classified as discontinued operations' of the income statement. Following the completion of the planned transaction, Cr&#233;dit Agricole S.A. holds the 100% of CACEIS&#8217;s share capital.</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:130%">The joint depositary, custody and related asset servicing services of Santander and CACEIS in Latin America is not included in the scope of the transaction and continues to be jointly controlled by Santander and CACEIS. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i589c4e55a96f45bb9f8588665bb9d05b"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iv. Accelerated placement of ordinary shares of Santander Bank Polska </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:130%">On 10 September 2024, Banco Santander, S.A. announced an accelerated placement of 5,320,000 ordinary shares of its subsidiary Santander Bank Polska S.A., representing approximately 5.2% of its share capital, at a price of PLN 463 (EUR 108) per ordinary share. The transaction was settled on September 13, with the total transaction amounting to PLN 2,463&#160;million (EUR 575&#160;million). Banco Santander will continue to hold a majority stake in Santander Bank Polska S.A. of 62.2% of the share capital (prior to this transaction, the percentage of participation was 67.4%). </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:130%">This sale has resulted in an increase in reserves and valuation adjustments of EUR 158&#160;million and EUR 57&#160;million, respectively, and an increase in minority equity of EUR 360&#160;million.</span></div></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i616d8e5f423f48d684c15fe95fd500b5"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">v. Tender offers for shares of Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico</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:130%">On 21 October 2022, Banco Santander, S.A. ('Banco Santander') announced that it intends to make concurrent cash tender offers to acquire all of the shares of Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico ('Santander Mexico') in Mexico (Shares) and United States (American Depositary Shares ('ADSs')) which were not owned by Grupo Santander, which amount to approximately  3.76% of Santander Mexico&#8217;s share capital.</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:130%">The offers were launched on 7 February 2023 and were originally scheduled to close on 8 March 2023. On 1 March 2023, Banco Santander announced its decision to extend the expiration date of the offers so that they could be concluded on 10 April 2023. Finally, after the offers' closing, 3.6% of the capital accepted the offer, which raised the Group's stake in Santander M&#233;xico from 96.2% to 99.8%.will be settled on 13 March 2023. </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:130%">Shareholders who participated in the offerings received 24.52 Mexican pesos (approximately EUR 1.20) per Share and USD 6.6876 in cash for each ADS (i.e., the equivalent in United States dollars of 122.6 Mexican pesos in cash for each ADS at the US dollar/Mexican peso exchange rate on the expiration date of 10 April 2023),which corresponded to the book value of the Santander M&#233;xico share according to the quarterly report of Santander M&#233;xico corresponding to the fourth quarter of the year 2022 in accordance with applicable legislation, with a total disbursement by Banco Santander of approximately EUR 300&#160;million.</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:130%">The operation led to an increase of EUR 13&#160;million in Reserves and a decrease of EUR 313&#160;million in minority interests. </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:130%">Once the offers were concluded and settled, Banco Santander proceeded to: (i) withdraw the ADSs from the listing on the New York Stock Exchange ('NYSE') and the Shares from the registry before the Securities and Exchange Commission ('SEC') in the United States and; (ii) cancel the registration of the Shares in the National Securities Registry of the National Banking and Securities Commission ('CNBV') and withdraw the listing of the Shares in the Mexican Stock Exchange, S.A.B. de C.V. ('BMV'). Said cancellation was approved by the extraordinary general shareholders' meeting of Santander M&#233;xico held on 30 November 2022, with the favourable vote of the holders of the shares that represent more than 95% of the shares of Santander Mexico, as required by the Mexican Securities Market Law.</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:130%">Pursuant to Mexican law, on 12 May 2023, Banco Santander and Santander M&#233;xico established a trust (the 'Repurchase Trust'), to which the holders of the Shares that remain outstanding after the conclusion of the offers, to sell said Shares to the repurchase trust, at the same cash price that would have been paid to them in the Mexican offer with respect to the same. At the end of the year, said trust was liquidated and the Group's effective participation amounts to 99.98%.</span></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_895"></div><div style="margin-bottom:3pt"><span id="id3a94e59833e419bb8756d9e4d83a296"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%">c) Offshore entities </span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="ifff3a22a8b4f41b28d06e0d5da6a0923"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Spanish regulation</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:130%">According to current Spanish regulation (Law 11/2021, of 9 July; Royal Decree 1080/1991, of 5 July; and Order HFP/115/2023, of 9 February), at year-end 2025 Grupo Santander has three branches in the non-cooperative jurisdictions of Jersey, the Isle of Man and the Cayman Islands (offshore entities). The Group also has a subsidiary in Guernsey, which is in the process of being wound up and is tax resident in the United Kingdom, and is therefore subject to its tax regime. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i130b2c91a0e944a086a0abfbf540ed69"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Offshore branches</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As previously mentioned, Grupo Santander has three offshore branches in the non-cooperative jurisdictions of the Cayman Islands, the Isle of Man and Jersey. They report to, and consolidate balance sheets and income statements with, their respective foreign headquarters. They are taxed either with their headquarters (the Cayman Islands branch in Brazil) or in the territories they are located (Jersey and the Isle of Man, pertain to the UK).</span></div><div><span><br/></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:130%">These three offshore branches have a total of 147 employees as of December 2025.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="idc786effcee648ca9650abbf19c68516"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Subsidiaries in non-cooperative jurisdictions that are tax resident in the United Kingdom (UK)</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander also has a subsidiary incorporated in the non-cooperative jurisdiction of Guernsey, which is not deemed an offshore entity because it operated exclusively from the UK and is tax resident there, and is therefore subject to UK tax law. This subsidiary is in the process of being liquidated as of December 31, 2025.</span></div><div><span><br/></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:130%">Additionally, during 2025 a subsidiary incorporated in Bermuda  and tax resident in the United Kingdom, was liquidated.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i92c59024d89242759490d88da0a23095"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Other offshore holdings</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%">From Brazil, Grupo Santander manages Santander Brazil Global Investment Fund SPC, a segregated portfolio company located in the Cayman Islands. The Group also holds minority, non-controlling financial interests in entities located in non-cooperative jurisdictions, including, among others, Klar Holdings Limited in the Cayman Islands.<span id="i47cdd7cd05694b6ab5223c104620441d"></span></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:120%"> </span></div><div style="margin-bottom:1pt;margin-top:9pt"><span id="i58f5c844de0e4cb59164f3478e27d8f4"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">The European Union (EU)</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:130%">Santander has no presence in any of the 11 jurisdictions included on the EU Council&#8217;s blacklist of non-cooperative jurisdictions for tax purposes as of 31 December 2025. Additionally, the EU grey list comprises another 11 jurisdictions which have sufficiently committed to fully adapting their legislation to international tax standards, subject to monitoring by the EU. Within these grey-list jurisdictions, Santander operates only in Morocco through one subsidiary and holds a minority interest in a financial institution tax resident in that jurisdiction.</span></div></div><div style="margin-bottom:3pt"><span id="i874031b2f66645ab8c8ef47cd7035f7b"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:115%">Organization for Economic Cooperation and Development (OECD)</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%">Grupo Santander has no presence in any jurisdictions non-compliant with both OECD standards on transparency and exchange of information for tax purposes (the automatic exchange of information AEOI standard and the exchange of information on request EOIR standard), according to the last annual reports of the OECD Global Forum on Transparency and Exchange of Information for Tax Purposes, released on 2 December 2025. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%">However, Vietnam &#8212;a jurisdiction where Santander has a subsidiary&#8212; does not comply with the EOIR standard. Meanwhile, The Bahamas and Chile &#8212;jurisdictions where Santander is also present&#8212;, although they have complete legal and regulatory frameworks in place for the implementation of the AEOI standard, they still need to improve the effectiveness of this standard.</span></div><div><span><br/></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:130%">Santander presence in offshore territories at the end of 2025 is as follows:</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Group presence in non-cooperative jurisdictions</span></div><div><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.858%"><tr><td style="width:1.0%"></td><td style="width:49.055%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.823%"></td><td style="width:0.1%"></td></tr><tr style="height:30pt"><td colspan="3" rowspan="2" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Regulatory framework</span></div></td><td colspan="6" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Group presence in non-cooperative jurisdictions</span></div></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Subsidiaries</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Branches</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Spanish legislation</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Council of the EU blacklist</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">OECD</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3</span></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">a</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:7.84pt">Additionally, there is one subsidiary constituted in Guernsey (in the process of winding up), but resident for tax purposes in the UK.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">b</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:7.59pt">The Group has three branches in Jersey, the Isle of Man and the Cayman Islands. These jurisdictions are not included in the European Union&#8217;s October 2025 blacklist and fully comply with both OECD international standards on transparency and exchange of information for tax purposes (AEOI and EOIR). </span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">c</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:8.33pt">Jurisdictions non-compliant with both OECD standards (AEOI and EOIR). </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander has the right mechanisms (risk management, supervision, verification and review plans, and regular reporting) to prevent reputational, tax and legal risks in entities resident in non-cooperative jurisdictions. Grupo Santander also maintains its policy of limiting and reducing its presence in non-cooperative jurisdictions when possible.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">PwC member firms audited the financial statements of Grupo Santander&#8217;s offshore entities in 2025, 2024 and 2023.</span></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Distribution of Banco Santander's profit, shareholder remuneration scheme and earnings per share<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareholderRemunerationSystemAndEarningsPerShareAbstract', window );"><strong>Shareholder Remuneration System And Earnings Per Share [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfShareholderDistributionShareholderRemunerationAndEarningsPerShareTextBlock', window );">Distribution of Banco Santander's profit, shareholder remuneration scheme and earnings per share</a></td>
<td class="text">Distribution of Banco Santander's profit, shareholder remuneration scheme and earnings per share<div style="margin-bottom:6pt;margin-top:9pt"><span id="i9159fb1bfe824a72bb5c7238cbedc943_2540"></span><span id="i412689de8bcc4ea88b7189b00fbcd04c"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Distribution of Banco Santander's profit and shareholder remuneration scheme</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:130%">The distribution of the Bank's current annual results that the board of directors will propose for approval by the shareholders at the annual general meeting is as follows: </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"><tr><td style="width:1.0pt"></td><td style="width:203.50pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:35.50pt"></td><td style="width:1.0pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">To dividends</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,520&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Dividend paid at 31 December</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,699&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Complementary dividend</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,821&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">To voluntary reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,593&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net profit for the&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,113</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span></div><div style="padding-left:7.09pt;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:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Total amount paid as interim dividend, at the rate of EUR 11.5 fixed cents per eligible share (recorded in 'Shareholders' equity - Interim dividends').</span></div><div style="padding-left:7.09pt;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:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Fixed complementary dividend of EUR 12.5 gross cents per eligible share, payable in cash as from 5 May 2026. The total amount has been estimated on the assumption that, as a result of the partial implementation of the buyback program announced on February 3, 2026, the number of the Bank's outstanding shares eligible for the dividend will be 14,568,470,446 and that, as envisaged, the capital increase submitted to the 2026 general meeting under item 6.C of the agenda will not be executed before 5 May 2026. Therefore, the total amount of the complementary dividend may be lower if more shares than initially envisaged are acquired under the buy-back programme, or higher if fewer shares are acquired under the buy-back programme or if the capital increase submitted to this general meeting under item 6.C of the agenda is executed before 5 May 2026.</span></div><div style="padding-left:7.09pt;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:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Estimated amount corresponding to a complementary dividend of EUR 1,821,058,805.75. To be increased or reduced by the same amount by which the total amount of the final dividend is lower or higher, respectively, than its estimated amount.</span></div><div style="text-indent:9.21pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></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:130%">The transcribed proposal comprises the part of the 2025 shareholder remuneration policy that is implemented through cash dividends (the interim dividend paid in November 2025 of EUR 11.5 cents per share with dividend entitlement, approved by the board of directors on September 30, 2025, and the complementary dividend expected to be paid as of  5 May 2026, of EUR 12.5 cents per share with the dividend entitlement, proposed by the board of directors on 24 February 2026, and therefore subject to approval by the general meeting).</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:130%">The remuneration policy also provides for shareholder remuneration through the implementation of share buyback programmes, to which an amount equivalent to 25% of the Group&#8217;s underlying profit will be allocated. The first programme charged to 2025 results, amounting to approximately amount of EUR 1,700&#160;million, was completed between August 2025 and December 2025. In addition, in 2025 Banco Santander announced its objective of allocating at least EUR 10,000&#160;million to share buybacks in respect of 2025 and 2026 results and expected excess capital. As part of this objective, on 4 February 2026 a second buyback programme was launched for a maximum total amount of EUR 5,030 million, of which EUR 1,830&#160;million corresponds to an amount equivalent to c.25% of the Group&#8217;s underlying profit in the second half of 2025, and the remaining EUR 3,200&#160;million corresponds to c.50% of the capital released following completion of the sale of the 49% stake in Santander Bank Polska. A capital reduction resolution is also being submitted to the general meeting to enable the cancellation of the treasury shares acquired under this second buyback programme.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The accounting statement, prepared by the Bank pursuant to legal requirements, evidencing the existence of sufficient liquidity for the payment of the interim dividend on the date and for the amount mentioned above, was as follows:</span></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:72.665%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:25.135%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 August 2025</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit before taxes</span></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,193&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tax expense</span></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">635&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Dividends paid in cash</span></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Distributable maximum amount</span></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,558</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Available liquidity</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96,923&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:8.6pt;font-weight:400;line-height:130%">Finally, and although it does not form part of the remuneration charged to the 2025 financial year, it is hereby stated that, in execution of the resolution of the general meeting held on 4 April 2025, on 2 May 2025 the Bank paid a final cash dividend of EUR 11 cents per share charged to the results of the 2024 financial year.  Finally, also charged to the results of 2024, the Bank implemented two repurchase programs. The first of them for a maximum amount of EUR 1,525 million, was completed in December 2024, and the second, for a maximum amount of EUR 1,587&#160;million, was completed in June 2025.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="ica8bd92432c445b9abd53378bdd1f356"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Earnings/loss per share from continuing and discontinued operations</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="i57432fb88e6042a28c2214bb6b8e89a6"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Basic earnings / loss per share</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:130%">Basic earnings/loss per share are calculated by dividing the net profit attributable to the Group, adjusted by the after-tax amount of the remuneration of contingently convertible preference shares (PPCC) recognised in equity and the capital perpetual preference shares (PPCA) (see note&#160;23), if applicable, by the weighted average number of ordinary shares outstanding during that period, excluding the average number of own shares held through that period.</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:130%">Accordingly:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"><tr><td style="width:1.0pt"></td><td style="width:76.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:52.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:52.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:52.75pt"></td><td style="width:1.0pt"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2023</span></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Profit (Loss) attributable to the Parent (EUR million)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14,101&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">12,574</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">11,076&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Remuneration of PPCC and PPCA (EUR million) (note 23)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(622)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(620)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(492)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">13,479</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">11,954</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">10,584</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr style="height:41pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Profit (Loss) from discontinued operations (non controlling interest net) (EUR million)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">962&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">822&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">717&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:56pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Profit (Loss) from continuing operations (non-controlling interest and PPCC and PPCA net) <br/>(EUR million)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">12,517&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">11,132&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">9,867&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Weighted average number of shares outstanding</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14,890,304,840&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">15,497,607,269&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">16,172,084,714&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Basic earnings (Loss) per share (euros)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.905</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.771</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.654</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which, from discounted operations (euros)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.065</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.053</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.044</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:33pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Basic earnings (Loss) per share from continuing operations (euros)</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.840</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.718</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.610</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></div></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i798140aa57f743b6a55695352273d191"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Diluted earnings / loss per share</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:130%">Diluted earnings/loss per share are calculated by dividing the net profit attributable to the Group, adjusted by the after-tax amount of the remuneration of contingently convertible preference shares recognised in equity (PPCC) recognised in equity and the capital perpetual preference shares (PPCA) (see note&#160;23), by the weighted average number of ordinary shares outstanding during the&#160;year, excluding the average number of treasury shares and adjusted for all the dilutive effects inherent to potential ordinary shares (share options, and convertible debt securities).</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:130%">Accordingly, diluted earnings/loss per share were determined 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:243.00pt"><tr><td style="width:1.0pt"></td><td style="width:76.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:52.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:52.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:52.75pt"></td><td style="width:1.0pt"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 8.09pt 0 1pt;text-indent:-7.09pt"><div style="margin-bottom:6pt;padding-right:7.09pt;text-align:justify;text-indent:-7.09pt"></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2023</span></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Profit (Loss) attributable to the Parent (EUR million)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14,101&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">12,574&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">11,076&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Remuneration of PPCC and PPCA (EUR million) (Note 23)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(622)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(620)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(492)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:41pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Dilutive effect of changes in profit for the period arising from potential conversion of ordinary shares</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">13,479</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">11,954</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">10,584</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr style="height:48pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Profit (Loss) from discontinued operations (net of non-controlling interests) (EUR million)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">962&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">822&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">717&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:56pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Profit (Loss) from continuing operations (net of non-controlling interests and PPCC and PPCA) (EUR million)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">12,517&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">11,132&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">9,867&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Weighted average number of shares outstanding</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14,890,304,840&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">15,497,607,269&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">16,172,084,714&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Dilutive effect of options/rights on shares</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">85,269,647&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">70,110,570&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">75,180,407&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Adjusted number of shares</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14,975,574,487&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">15,567,717,839&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">16,247,265,121&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Diluted earnings (Loss) per share (euros)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.900</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.768</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.651</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which, from discounted operations (euros)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.064</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.053</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.044</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:33pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Diluted earnings (Loss) per share from continuing operations (euros)</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.836</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.715</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid 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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RemunerationAndOtherBenefitsPaidToTheBanksDirectorsAndSeniorManagersAbstract', window );"><strong>Remuneration And Other Benefits Paid To The Bank's Directors And Senior Managers [Abstract]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory', window );">Remuneration and other benefits paid to the Bank's directors and senior managers</a></td>
<td class="text">Remuneration and other benefits paid to the Bank&#8217;s directors and senior managersThe following section contains qualitative and quantitative disclosures on the remuneration paid to the members of the board of directors &#8212;both executive and non-executive directors&#8212; and senior managers for 2025 and 2024<div style="margin-bottom:3pt;margin-top:9pt"><span id="ib8d1bfde2c6e40399de7afe37ab2a4da"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Remuneration of Directors</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="i3b56fe5d95444c75bf7c7760b9144913"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Bylaw-stipulated emoluments</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:130%">The annual general meeting held on 22 March 2013 approved an amendment to the Bylaws, whereby the remuneration of directors in their capacity as board members became an annual fixed amount determined by the annual general meeting. This amount shall remain in effect unless the shareholders resolve to change it at a general meeting. However, the board of directors may elect to reduce the amount in any years in which it deems such action justified.</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:130%">The maximum remuneration established by the annual general meeting was EUR 6&#160;million  in 2025 (EUR 6&#160;million in 2024), with two components: (a)&#160;an annual emolument and (b)&#160;attendance fees.</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:130%">The specific amount payable for the above-mentioned items to each of the directors is determined by the board of directors. For such purpose, it takes into consideration the positions held by each director on the board, their membership of the board and the board committees and their attendance to the meetings thereof, and any other objective circumstances considered by the board.</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:130%">The total Bylaw-stipulated emoluments earned by the directors in 2025 amounted to EUR  5.3&#160;million (EUR 5.4&#160;million in 2024).</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="id100392053194ae8bf491a587919ba48"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Annual allotment</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For 2025, the board of directors, upon recommendation of the remuneration committee, approved a 3% increase in the annual</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:130%">allotments payable to the chair and members of the board and its committees (including the executive committee), as well as to the lead independent director and the non-executive Vice Chair .  Accordingly, each director received, in respect of 2024 and 2025, the amounts corresponding to their service on the board and its committees, with such amounts determined by the specific position held, as detailed in the table below.</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:62.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.727%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.493%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Amount per director in euros</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the board of directors</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">100,940&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">98,000&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the executive committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">175,100</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">170,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the audit committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">44,290</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">43,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the appointments committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">28,840</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">28,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the remuneration committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">28,840</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">28,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the risk supervision, regulation and compliance committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">44,290</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">43,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the responsible banking, sustainability and culture committee </span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">28,840</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">28,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the innovation and technology committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">28,840</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">28,000&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Chair of the audit committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">72,100</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">70,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Chair of the appointments committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">51,500</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Chair of the remuneration committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">51,500</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Chair of the risk supervision, regulation and compliance committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">72,100</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">70,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Chair of the responsible banking, sustainability and culture committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">51,500</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Chair of the innovation and technology committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">72,100</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">70,000&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Lead independent  director</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:105%;position:relative;top:-2.44pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">113,300</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">110,000</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non-executive Vice Chair</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">30,900</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">30,000</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Glenn Hutchins has been allocated EUR 700,000 (including annual allowances and attendance fees) in minimum total annual pay set for the required time and dedication to perform his roles.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i05e713c2bd1f46848162ab7ff10dc41a"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Attendance fees</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:130%">The directors receive fees for attending board and committee meetings, excluding executive committee meetings, where no attendance fees are received.</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:130%">In line with the adjustment to the annual allotments, the board of directors approved a 3% increase for 2025 in attendance fees compared with 2024. </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:130%">Accordingly, attendance fees for meetings of the board and its committees (with the exception of the Executive Committee, for which no attendance fees are payable) amounted, for the last two years, to the totals set out in the table below:</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:71.437%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.720%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.543%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 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:105%">Attendance fees per director per meeting in euros </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Board of directors</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,785&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,704&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Audit committee and risk supervision, regulation and compliance committee</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,821&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,768&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other committees (excluding executive committee) </span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,606&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,560&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="iba037c01194d4f85b6d84e4807b6af76"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Salaries</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:130%">The executive directors receive salaries. In accordance with the policy approved by the annual general meeting, salaries are composed of a fixed annual remuneration and a variable one, which consists in a unique incentive, which is a deferred variable remuneration plan linked to multi-year objectives, which establishes the following payment scheme:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">40% of the variable remuneration amount, determined at year-end on the basis of the achievement of the established objectives, is paid immediately. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The remaining 60% is deferred over five years, provided that the conditions of permanence in the Group and non-concurrence of the malus clauses are met, and subject to long term metrics, taking into account the following accrual scheme: </span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">The accrual of the first and second portion (20% of total variable compensation, paid in 2027 and 2028)  will be conditional on none of the malus clauses being triggered.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">The accrual of the third, fourth and fifth portion (40% of total variable compensation and paid in 2029, 2030 and 2031), is linked to objectives related to the period 2025&#8212;2027 and the metrics and scales associated with these objectives. The fulfilment of the objectives determines the percentage to be paid of the deferred amount in these three annuities, and these targets can reduce these amounts and the number of deferred instruments, or increase them up to a maximum achievement ratio of 125%, so executives have the incentive to exceed their targets.</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:130%">In accordance with current remuneration policies, the amounts already paid will be subject to a possible recovery (clawback) by the Bank during the period set out in the policy in force at each moment. </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:130%">Payment of the approved incentive is paid  40% in cash and the remaining 60% in instruments, consisting of Banco Santander  shares and restricted stock units (RSUs) of PagoNxt, split as:</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:130%">&#9702; the amount of PagoNxt RSUs set for each year; and</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:130%">&#9702; the rest, all in shares of Banco Santander. </span></div><div style="margin-bottom:3pt"><span id="i9989b831538a42b496e083843d206d84"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Comparative of executive remuneration (Chair and CEO) </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:130%">The target bonus of the Executive Chair and the CEO for 2025 remains unchanged compared to 2024.<br/><br/>Variable contributions to pensions were not modified in 2025, so the amounts are the 22% of the 30% of the last three assigned bonus' average.</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:130%">In assessing individual performance, the Board considered the Grupo Santander&#8217;s strong results for 2025, reflecting continued delivery of our strategic plan. Attributable profit reached EUR 14,101&#160;million in 2025, up 12% year-on-year (or +16% in constant euros), with a TSR during the year of 132% (+60% in relative terms vs. our peer group).</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:130%">The Board also evaluated the leadership of the Executive Chair and the Chief Executive Officer in delivering these results and advancing the Group&#8217;s strategic priorities. Taking these factors into account, it determined that both executives achieved an 'Exceptional' level of performance and approved the corresponding variable remuneration.</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:130%">Moreover, the ratio of executive directors&#8217; total remuneration to underlying attributable profit fell to 0.17% from 0.18% in 2024.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4b16e4c8e855424c9b0bba8062f205a8"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Detail by director</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></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:130%">The detail, by bank director, of the short-term (immediate) and deferred (not subject to long-term goals) remuneration for 2025 and 2024 is provided below:</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:13.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.423%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="padding:2px 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:105%">EUR thousand</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="6" style="padding:0 1pt"></td><td colspan="27" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">2025</span></td></tr><tr style="height:12pt"><td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Bylaw-stipulated emoluments</span></td></tr><tr style="height:12pt"><td colspan="27" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Annual emolument</span></td></tr><tr style="height:15pt"><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Board</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">F</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Executive committee</span></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Audit committee</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Nomination committee</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Remuneration committee</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">1</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Risk supervision, regulation and compliance oversight committee</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">2</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Responsible banking, sustainability and culture committee</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Innovation and technology committee</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Attendance fees and commissions</span></td></tr><tr style="height:15pt"><td colspan="30" style="display:none"></td></tr><tr style="height:30pt"><td colspan="30" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ana Bot&#237;n</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">175&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">44&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">H&#233;ctor Grisi</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">175&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">132&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">175&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">67&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Glenn Hutchins</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">412&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">80&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">78&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Homaira Akbari</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">81&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Javier Bot&#237;n</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Sol Daurella</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">80&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">75&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Henrique de Castro</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">80&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Gina D&#237;ez</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">63&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luis Isasi</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">175&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">74&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Bel&#233;n Romana</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">175&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">80&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">107&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Pamela Walkden</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">116&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">93&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Germ&#225;n de la Fuente</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">116&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">83&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Carlos Barrab&#233;s</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Antonio Weiss</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Bruce Carnegie-Brown</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ramiro Mato</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total 2025</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,857</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">875</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">292</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">196</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">196</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">292</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">196</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">304</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,047</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total 2024</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,791</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">933</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">306</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">183</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">168</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">263</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">190</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">280</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,240</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. All amounts received were reimbursed to Fundaci&#243;n Bot&#237;n.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Director and member of the nomination committee, responsible banking, sustainability and culture committee and innovation and technology committee since 27 June 2024.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C. Director since 27 June 2024.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D. Stepped down as director on 22 March 2024.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E. Stepped down as director on 27 June 2024.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F. Also includes emoluments for other roles in the board.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Changes in the chairship or membership of the committees:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">1.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt">Antonio Weiss was appointed member of the remuneration committee on 1 January 2025.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">2.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt">Jos&#233; Antonio &#193;lvarez was appointed member of the risk supervision, regulation and compliance oversight committee on 1 January 2025.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">    Other remuneration includes EUR 1,000&#160;thousand for the role as non-executive Chair of the Santander Espa&#241;a business unit and for attending its board and committee meetings for Luis Isasi. For Jos&#233; Antonio &#193;lvarez, this amount includes remuneration as strategic advisor of Grupo Santander, life and health insurance contributions (EUR 678&#160;thousand) and part of the former supplement for having waived the death and disability policy (EUR 12&#160;thousand).</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:13.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.492%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.392%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.276%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:4pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="18" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Short-term and deferred (not subject to long-term goals) salaries of executive directors</span></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:15pt"><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:20pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Fixed</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Variable - immediate payment</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Deferred variable</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;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:20pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">In cash</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">In instruments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">In cash</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">In instruments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Total</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Pension contribution</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Other remuneration</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ana Bot&#237;n</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">3,435&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">2,003&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">2,003&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">1,001&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">1,002&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">9,444&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">1,341&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">843&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">11,977&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">12,127&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">H&#233;ctor Grisi</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">3,150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">1,384&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">1,384&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">692&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">692&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">7,302&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">1,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">718&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">9,489&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">9,137&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">2,440&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">2,887&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">3,698&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Glenn Hutchins</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">700&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">700&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Homaira Akbari</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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#9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">284&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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#9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">137&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">144&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Sol Daurella</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">314&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">292&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Henrique de Castro</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">283&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">300&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">222&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">225&#160;</span></td><td style="border-top:0.25pt solid 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">1,000&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">1,423&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">1,440&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Bel&#233;n Romana</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">581&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">599&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Pamela Walkden</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">383&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">381&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Germ&#225;n de la Fuente</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">344&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">338&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Carlos Barrab&#233;s</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">259&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">128&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Antonio Weiss</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">180&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">72&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Bruce Carnegie-Brown</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">78&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ramiro Mato</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">271&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Total 2025</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">6,585</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">3,387</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">3,387</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">1,693</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">1,694</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">16,746</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">2,461</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">5,001</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">29,462</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Total 2024</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">6,585</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">3,130</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">3,130</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">1,877</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">1,879</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">16,601</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">2,444</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">5,815</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">30,214</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Footnotes in previous table.</span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></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:130%">Following is the detail by executive director of the salaries linked to multi-year objectives at their fair Value, which will only be received if the conditions of permanence in the Group, non-applicability of malus clauses and achievement of the established objectives are met (or, as the case may be, of the minimum thresholds thereof, with the consequent reduction of amount agreed-upon at the end of the&#160;year) in the terms described in Note&#160;46.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"><tr><td style="width:1.0%"></td><td style="width:30.247%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.379%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.125%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.887%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.379%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.383%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="padding:2px 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:105%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Variable subject to long-term<br/>objectives</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">In cash</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">In shares</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">In RSUs</span></td><td colspan="3" style="padding:2px 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:105%">Total</span></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">701&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,893&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">210&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,804&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,332&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">H&#233;ctor Grisi</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">484&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,277&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">176&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,938&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,611&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,185</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,170</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">386</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,742</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,943</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">1. Corresponds with the fair value of the maximum amount they are entitled to in a total of 3 years: 2029, 2030 and 2031, subject to conditions of continued service, with the exceptions provided, and to the non-applicability of malus clauses and achievement of the objectives established. The face value of the three aforementioned deferred amounts is EUR 6,774 thousand for 2025 (EUR 4,006 thousand for Ana Bot&#237;n and EUR 2,768 thousand for H&#233;ctor Grisi).</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:130%">The fair value has been determined at the grant date based on the valuation report of an independent expert, Willis Towers Watson. Based on the design of the plan for 2025 and the levels of achievement of similar plans in comparable entities, the fair value considered is 70% of the variable remuneration subject to long-term objectives. (see note 46). </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:130%">Note 5.e below includes disclosures on the shares delivered from the deferred remuneration schemes in place in previous years and for which delivery conditions were met, as well as on the maximum number of shares that may be received in future years in connection with the aforementioned 2025 and 2024 variable remuneration plans.<br/></span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="id609e2b9c7e4407db685bce90ee5dbb9"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Remuneration of the board members as representatives of the Bank</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:130%">By resolution of the executive committee, all the remuneration received by the Bank&#8217;s directors who represent the Bank on the boards of directors of listed companies in which the Bank has a stake, paid by those companies and relating to appointments made on or after 18 March 2002, accrues to the Group. In 2025 the Bank&#8217;s directors did not receive any remuneration in respect of these representative duties. </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On the other hand, in their personal capacity, in 2025  Homaira Akbari was paid USD 100&#160;thousand (EUR 85&#160;thousand) as member of the board of Santander Consumer USA Holdings, Inc. and EUR 200&#160;thousand as member of the board of PagoNxt S.L., and Jos&#233; Antonio &#193;lvarez and Henrique de Castro were each paid the same EUR 200&#160;thousand as members of the board of PagoNxt S.L. (Henrique de Castro also received EUR 15&#160;thousand as member of the nomination committee of PagoNxt, S.L.). Likewise, Pamela Walkden was paid GBP 100&#160;thousand (EUR 115&#160;thousand) as member of Santander UK plc and Santander UK Group Holdings; and Bel&#233;n Romana EUR 157&#160;thousand as member of the Board of Santander Insurance, S.L. </span></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Likewise, Luis Isasi was paid EUR 1,000&#160;thousand as non-executive Chair of the Santander Espa&#241;a business unit and for attending its board and committee meetings (amounts paid by Banco Santander, S.A.).<br/><br/>And finally, Jos&#233; Antonio &#193;lvarez, as strategic adviser of Grupo Santander, received fixed remuneration of EUR 1,750&#160;thousand. In addition, he received the life and health insurance contributions,  and the part of the former supplement for having waived the death and disability policy.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i2744889d3e284a1281329f3de4eb49d9"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Post-employment and other long-term benefits</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:130%">In 2012, the contracts of Ana Bot&#237;n and other members of the Bank's senior management with defined benefit pension commitments were modified to transform these commitments into a defined contribution system, which covers the contingencies of retirement, disability and death. From that moment on, the Bank makes annual contributions to their pension system for their benefit. </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:130%">This system gives them the right to receive benefits upon retirement, regardless of whether or not they are active at the Bank at such time, based on contributions to the system, and replaced their previous right to receive a pension supplement in the event of retirement.</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:130%">The initial balance for Ana Bot&#237;n in the new defined benefits system corresponded to the market value of the assets from which the provisions corresponding to the respective accrued obligations had materialised on the date on which the old pension commitments were transferred into the new benefits system.</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:130%">Since 2013, the Bank has made annual contributions to the benefits system for executive directors and other members of executive team, in proportion to their respective pensionable bases, until they leave Grupo Santander or until their retirement within the Group, death, or disability. </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:130%">The benefit plan system is outsourced to Santander Seguros y Reaseguros, Compa&#241;&#237;a Aseguradora, S.A., and the economic rights of the foregoing directors under this plan belong to them regardless of whether or not they are active at the Bank at the time of their retirement, death or disability. </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:130%">In accordance with the provisions of the remuneration regulations, contributions made calculated on variable remuneration are subject to the discretionary pension benefits regime. Under this regime, contributions are subject to malus clauses and clawback according to the policy in force at any given time and during the same period in which the variable remuneration is deferred. </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:130%">Furthermore, they must be invested in bank shares for a period of five years from the date when the executive director leaves the Group, regardless of whether or not they leave to retire. Once that period has elapsed, the amount invested in shares will be reinvested, along with the remainder of the cumulative balance corresponding to the executive director, or it will be paid to the executive director or to their beneficiaries in the event of a contingency covered by the benefits system. </span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As per the director&#180;s remuneration policy approved at the 23 March 2018 general shareholder&#180;s meeting, the system was changed with a focus on: </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Aligning the annual contributions with practices of comparable institutions. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Reducing future liabilities by eliminating the supplementary benefits scheme in the event of death (death of spouse or parent) and permanent disability of serving directors. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Not increasing total costs for the Bank. </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:130%">The changes to the system were the following: </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Fixed and variable pension contributions were reduced to 22% of the respective pensionable bases. The gross annual salaries and the benchmark variable remuneration were increased in the corresponding amount with no increase in total costs for the Bank. The pensionable base for the purposes of the annual contributions for the executive directors is the sum of fixed remuneration plus 30% of the average of their last three variable remuneration amounts. This means complying with Circular 2/2016 of the Bank of Spain, standard 41, on pension benefits, by which a part of not less than 15% of the total contribution must be based on variable components.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The death and disability supplementary benefits were eliminated since 1 April 2018. A fixed remuneration supplement (included in other remuneration in section a.iii in this note) was implemented the same date. During 2025, this fixed remuneration supplement has expired both for Ana Bot&#237;n and Jos&#233; Antonio &#193;lvarez, in line with the age of 65 initially set at the time this remuneration component was approved.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The total amount insured for life and accident insurance was increased. </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:130%">The provisions recognised in 2025 and 2024 for retirement pensions were 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:68.596%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.142%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.962%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Ana Bot&#237;n</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,341&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,339&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">H&#233;ctor Grisi</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,120&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,105&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,461</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,445</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">Following is a detail of the balances relating to each of the directors under the welfare system as of  31 December 2025 and 2024:</span></div><div><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:66.778%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.960%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.962%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Ana Bot&#237;n</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">65,027&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">54,731&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">H&#233;ctor Grisi</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,033&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,299&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,178&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,326&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">90,238</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">76,356</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="ied3b22854dd34a24b156490d1ec62dd1"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Insurance</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:130%">The Group pays for life insurance policies for the Bank&#8217;s directors, who will be entitled to receive benefits if they are declared disabled. In the event of death, the benefits will be payable to their heirs. The premiums paid by the Group are included in the 'Other remuneration' column of the table shown in Note 5.a.iii above. Also, the following table provides information on the sums insured for the Bank&#8217;s directors:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:69.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Insured capital</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td><td colspan="6" style="border-top:1pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 8.09pt 0 1pt;text-indent:-7.09pt"><div style="margin-bottom:6pt;padding-right:7.09pt;text-align:justify;text-indent:-7.09pt"></div></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Ana Bot&#237;n</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,659&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,525&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">H&#233;ctor Grisi</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,600&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,600&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,500&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,215&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">43,759</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">45,340</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">The insured capital has been modified in 2018 for Ana Bot&#237;n  as part of the pension systems transformation set out in note 5.c) above, which has encompassed the elimination of the supplementary benefits systems (death of spouse and death of parent) and the increase of the life and accident insurance annuities. </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:130%">During 2025 and 2024, the Group has disbursed a total amount of EUR 8.3 million and EUR 13.5&#160;million, respectively, for the payment of civil-liability insurance premiums. These premiums correspond to several civil-liability insurance policies that hedge, among others, directors, senior management and other managers and employees of the Group and the Bank itself, as well as its subsidiaries, in light of certain types of potential claims of third parties. For this reason, it is not possible to disaggregate or individualize the amount that correspond to the directors and executives.</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:130%">As of 31 December 2025 and 2024, no life insurance commitments exist for the Group in respect of any other directors.</span></div><div style="margin-bottom:3pt;margin-top:9pt;padding-left:9pt;text-indent:-9pt"><span><br/></span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt;padding-left:9pt;text-indent:-9pt"><span id="i9735f317b5424df3847f23d2d1e497cf"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">e) Deferred variable remuneration systems</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:130%">The following information relates to the maximum number of shares to which the executive directors are entitled at the beginning and end of 2025 and 2024 due to their participation in the deferred variable remuneration systems, which instrumented a portion of their variable remuneration relating to 2025 and prior years, as well as on the deliveries, in shares or in cash, made to them in 2025 and 2024 once the conditions for the receipt thereof had been met (see Note 46):<span id="ibacf1305fb5f412cbeac940f7d457216"></span></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:130%"> </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ieaf1a203b525412f9e5da92b4bcd066b"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i) Deferred variable compensation plan linked to multiannual objectives</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:130%">In the annual shareholders meeting of 18 March 2016, with the aim of simplifying the remuneration structure, improving the ex-ante risk adjustment and increasing the incidence of long-term objectives, the bonus plan (deferred and conditioned variable compensation plan) and ILP were replaced by one single plan. </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:130%">The variable remuneration of executive directors and certain executives (including senior management) corresponding to 2025 has been approved by the board of directors and implemented through the tenth cycle of the deferred variable remuneration plan linked to multi-year objectives. The application of the plan was authorised by the annual general meeting of shareholders, as it entails the delivery of shares to the beneficiaries.</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:130%">As indicated in section a.ii of this note, 60% of the variable remuneration amount is deferred over five years for executive directors, to be paid, where appropriate, provided that the conditions of permanence in the Group, according to the following accrual scheme: </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The accrual of the first and second parts (instalments in 2027 and 2028) is conditional on none of the malus clauses being triggered.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The accrual of the third, fourth and fifth parts (instalments in  2029, 2030 and 2031) is linked to non-concurrence of malus clauses and the fulfilment of certain objectives related to the 2025&#8209; 2027 period. These objectives and their respective weights are: </span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Banco Santander&#8217;s consolidated Return on tangible equity (RoTE) target in </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:130%">2027</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> (weight of 30%).</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Relative performance of Banco Santander's total shareholder return (TSR) in 2025-2027 in respect of the weighted TSR of a peer group comprising 9 credit institutions, with the appropriate TSR ratio based on the group&#8217;s TSR among its peers (weight of 50%). </span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Four sustainability metrics, which have different weighting (with a total weight of 20%).</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:130%">The degree of compliance with the above objectives determines the&#160;percentage to be applied to the deferred amount in these three annuities, with a maximum achievement ratio of 125%, so executives have the incentive to exceed their targets.</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:130%">Both the immediate payment and the two first deferrals (short-term part) are paid 50% in cash and the remaining 50% in instruments. The last three deferrals (conditioned to long-term metrics) are paid 25% in cash and 75% in instruments.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The accrual of deferred amounts (whether or not subject to performance measures) is conditioned, in addition to the permanence of the beneficiary in the Group, to non-occurrence, during the period prior to each of the deliveries, of any the circumstances giving rise to the application of malus as set out in the Group&#8217;s remuneration policy in its chapter related to malus and clawback. Likewise, the amounts already paid of the incentive will be subject to clawback by the Bank in the cases and during the term foreseen in said policy,  and in accordance with the terms and conditions foreseen in it.</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:130%">Malus and clawback clauses are triggered by poor financial performance of Banco Santander, a division or area, or exposures from staff as a result of an executive(s)&#8217;s management of, at least, one of these factors:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">i.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:9.97pt">Significant failures in risk management committed by the entity, or by a business unit or risk control.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:7.94pt">The increase suffered by the entity or by a business unit of its capital needs, not foreseen at the time of generation of the exposures.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">iii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.91pt">Regulatory sanctions or judicial sentences from events that could be attributable to the unit or the personnel responsible for those. Also, the breach of internal codes of conduct of the entity.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">iv.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.94pt">Irregular conduct, whether individual or collective. In this regard, the negative effects derived from the marketing of inappropriate products and the responsibilities of the people or bodies that made those decisions will be specially considered.</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:130%">In addition to the existing policy on malus and clawback clauses of our remuneration policy, the addendum to our remuneration policy entitled 'Financial Statement Restatement Compensation' regulates the recoupment of compensation received by the executive directors of Banco Santander, S.A., and senior management, in the event of a financial restatement (according to the regulation) resulting from material noncompliance with financial reporting requirements under US federal securities laws.</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:130%">The maximum amount of shares to be delivered under the plan is within the maximum amount of the award to be delivered in shares (EUR 11.5&#160;million) approved at the 2025 AGM for executive directors. At its meeting on 25 November 2025 and pursuant to the powers granted by shareholders at the 2025 AGM, the board agreed to amend the calculation period used to determine the number of shares to be delivered from 50 to 30 trading sessions (under no circumstances may the number of shares exceed the maximum approved at the AGM), as the board considered that this better reflects market practice and enables us to offset share price volatility. Thus, the number of shares to be delivered under the 2025 policy has been calculated with the weighted average daily volume of weighted average listing prices of Banco Santander shares in the 30 trading sessions prior to the Friday (not inclusive) before 4 February 2025 (the date on which the board approved the 2025 bonus for executive directors), which was EUR 10.261 per share. According to an independent experts' valuation, the price per PagoNxt, S.L. RSU equals EUR 61.07. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span><br/></span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt"><span id="ibbe32d149d7a41f48c7daa6bff5dfed9"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii) Shares assigned by deferred variable remuneration plans</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:130%">The following table shows the number of Santander shares assigned to each director already in service and pending delivery as of 1 January 2024, 31 December 2024 and 31 December 2025, as well as the gross shares that were delivered to them in 2024 and 2025, either in the form of an immediate payment or a deferred payment. In this case after having been appraised by the board, at the proposal of the remuneration committee, that the corresponding one-fifth of each plan had accrued. They come from the deferred conditional and linked to multi-year objectives in 2019, 2020, 2021, 2022, 2023, 2024 and 2025 were formalized.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:19.788%"></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:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.717%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Share-based variable remuneration</span></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"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Maximum number of shares to be delivered at January 1,2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2024 (immediate payment 2023 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2024 (deferred payment 2022 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2024 (deferred payment 2021 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2024 (deferred payment 2020 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2024 (deferred payment 2019 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Variable remuneration 2024 (Maximum number of shares to be delivered)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2019 variable remuneration</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">70,905&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(35,452)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,386&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(23,693)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">118,290</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(59,145)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2020 variable remuneration</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93,146&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31,049)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50,594&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16,865)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">143,740</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(47,914)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2021 variable remuneration</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">710,698&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(177,675)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">479,644&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(119,911)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,190,342</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(297,586)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2022 variable remuneration</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">358,419&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(62,334)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">241,954&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(42,079)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">600,374</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(104,413)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023 variable remuneration</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,127,209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(469,286)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">H&#233;ctor Grisi</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">749,143&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(321,645)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,876,352</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(790,931)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024 variable remuneration</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">976,463&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt">For each director, 40% of the shares indicated correspond to the short-term variable (or immediate payment). The remaining 60% is deferred for delivery, where appropriate, in the next five years, the last three being subject to the fulfilment of multiannual objectives. Maximum opportunity subject to regulatory ratio compliance.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span></div><div style="margin-bottom:18pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.688%"><tr><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.544%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.904%"></td><td style="width:0.1%"></td></tr><tr style="height:15pt"><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:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Maximum number of shares to be delivered at December 31, 2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Instruments matured but not consolidated at January 1, 2025</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.61pt;font-weight:700;line-height:105%;position:relative;top:-2.48pt;vertical-align:baseline">2</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2025 (immediate payment 2024 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2025 (deferred payment 2023 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2025 (deferred payment 2022 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2025 (deferred payment 2021 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2025 (deferred payment 2020 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2025 (deferred payment 2019 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Variable remuneration 2025 (Maximum number of shares to be delivered)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Maximum number of shares to be delivered at December 31, 2025</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,452&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(35,452)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,693&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(23,693)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">59,145</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(59,145)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,097&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31,049)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,048&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,729&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16,865)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,864&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">95,826</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(47,914)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">47,912</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">533,023&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(44,774)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(162,750)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">325,499&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">359,733&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(30,218)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(109,838)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">219,677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">892,756</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(74,992)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(272,588)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">545,176</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">296,085&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(62,334)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">233,751&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">199,875&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(42,079)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">157,796&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">495,961</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(104,413)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">391,548</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">657,923&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(114,421)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">543,502&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">427,498&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(74,347)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">353,151&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,085,421</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(188,768)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">896,653</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">976,463&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(404,447)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">572,016&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">656,033&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(279,480)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid 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style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,010,904</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,010,904</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">&#160;&#160;&#160;&#160;</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">2.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt">The levels of achievement of the multi-year metrics of the long-term variable remuneration plans:</span><span style="background-color:#ffff00;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">    1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline">) Seventh cycle of the deferred multi-year objectives variable remuneration plan (2022):</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> 115.2% of achievement for the period 2022-2024.<br/>a. RoTE metric for 2024 year-end period at 150%. Weight of 40.0%.<br/>b. Relative TSR metric in 2022-2024 period at 83% of achievement. Weight of 40.0%.<br/>c. Sustainability metrics at 25% of achievement. Weight of 20.0%. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">    </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">    2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline">) Sixth cycle of the deferred multi-year objectives variable remuneration plan (2021)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">: 91.6% of achievement for the period 2021-2023.<br/>a. CET1 metric at 100% of achievement for 2023 year-end period (target 12.00%). Weight of 33.3%.<br/>b. Underlying BPA growth at 150% of achievement (target growth of 100%). Weight of 33.3%.<br/>c. TSR metric at 25% of achievement (target of 33 to 66 percentile). Weight of 33.3%.<br/></span><span style="background-color:#ffff00;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"><br/></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline">) Fifth cycle of the deferred multi-year objectives variable remuneration plan (2020)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">: 83.0% of achievement for the period 2020-2022.<br/>a. CET1 metric at 100% of achievement for 2022 year-end period (target 12.00%). Weight of 33.3%.<br/>b. Underlying BPA growth at 150% of achievement (target growth of 10%). Weight of 33.3%.<br/>c. TSR metric at 0% of achievement (minimum target of 33% not reached). Weight of 33.3%</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Furthermore, the maximum number of  RSUs of PagoNxt, S.L. to be delivered under the current plan (and subject to regulatory ratio compliance) is 9,415 and 7,909 units for Ana Bot&#237;n and H&#233;ctor Grisi, respectively.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, the table below shows the cash delivered in 2025 and 2024, by way of either immediate payment or deferred payment, in the latter case once the Board had determined, at the proposal of the remuneration committee, that one deferral relating to each plan had accrued:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:31.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.640%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.644%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td><td colspan="15" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash paid (immediate payment 2024 variable remuneration)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash paid (deferred payments from 2023, 2022, 2021 and 2020 variable remuneration)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash paid (immediate payment 2023 variable remuneration)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash paid (deferred payments from 2022, 2021, 2020 and 2019 variable remuneration)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,851</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,759</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,780</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,419</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">H&#233;ctor Grisi</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,279</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">366</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,220</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">863</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">815</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">945</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">3,130</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2,940</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">3,000</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">3,228</span></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i2d9b142fe3ce4c0ba08ceefd4a143e6e"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii) Information on former members of the board of directors</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:130%">The chart below includes  information on the maximum number of shares to which former members of the board of directors, are entitled for their participation in the various deferred variable remuneration systems, which instrumented a portion of their variable remuneration relating to the years in which they were executive directors. Also set forth below is information on the deliveries, whether in shares or in cash, made in 2025 and 2024 to former board members, upon achievement of the conditions for the receipt thereof (see note 46):</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:76.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.160%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Maximum number of shares to be delivered</span></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 #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">2025</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2019)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,490</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2020)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,511</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71,024</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2021)</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137,400</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">206,100</span></td></tr></table></div><div style="margin-bottom:12pt;padding-left:9pt;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:76.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.160%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Number of shares delivered</span></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 #ec0000;padding:0 7.75pt 0 1pt;text-indent:-7.09pt"><div style="margin-bottom:6pt;padding-right:6.75pt;text-align:justify;text-indent:-7.09pt"></div></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">2025</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2018)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,860</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2019)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,490</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,490</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2020)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,512</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,512</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2021)</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68,700</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,911</span></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, EUR 724 thousand and EUR 650&#160;thousand relating to the deferred portion payable in cash of the aforementioned plans were paid each in 2025 and 2024. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="id6858bb28e0f4fcd8030c61636c5fac3_26153"></span><span id="id6858bb28e0f4fcd8030c61636c5fac3_26400"></span><span id="id6858bb28e0f4fcd8030c61636c5fac3_26401"></span><span id="i35704fcb0bd14f0aa7b2ff9bfa44333c"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">f) Loans</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:130%">Grupo Santander&#8217;s direct risk exposure to the bank&#8217;s directors and the guarantees provided for them are detailed below. These transactions were made on terms equivalent to those that prevail in arm&#8217;s-length transactions or the related compensation in kind was recognized:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:38.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.832%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and credits</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Guarantees</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and credits</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Guarantees</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">H&#233;ctor Grisi</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Glenn Hutchins</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Antonio Francesco Weiss </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Bel&#233;n Romana</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Bruce Carnegie-Brown</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"> A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Germ&#225;n de la Fuente</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gina D&#237;ez Barroso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Henrique de Castro</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Homaira Akbari</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid 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0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Javier Bot&#237;n</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Juan Carlos Barrab&#233;s  </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">138&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">138&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Luis Isasi</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander 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style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">140</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">140</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">143</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">143</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Ceased as director of Banco Santander, S.A. on 22 March 2024.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt">Director since 27 June 2024. </span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.7pt">Director since 27 June 2024.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5pt">Ceased as director of Banco Santander, S.A. on 27 June 2024 .</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;margin-top:9pt"><span id="i7eb636f7f29c459e95accae5f87295e2"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">g) Senior management</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:110%">The table below includes the amounts relating to the short-term remuneration of the members of senior management at 31 December 2025 and those at 31 December 2024, excluding the remuneration of the executive directors, which is detailed above.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.985%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.237%"></td><td style="width:0.1%"></td></tr><tr><td colspan="33" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Short-term salaries and deferred remuneration</span></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="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Variable remuneration (bonus) - Immediate payment</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Deferred variable remuneration</span></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:2px 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:105%">Year</span></td><td colspan="3" style="padding:2px 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:105%">Number&#160;of<br/>persons</span></td><td colspan="3" style="padding:2px 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:105%">Fixed</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">In cash</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">In instruments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">In cash</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">In instruments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="padding:2px 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:105%">Pensions</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other<br/>remuneration</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,255</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,179</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,180</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,306</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,306</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,910</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,456</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57,592</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,466</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,376</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,377</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,319</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,320</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,520</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,153</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49,531</span></td></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">1.Includes other remuneration items such as life and medical insurance premiums and localization aids and lastly RSUs from PagoNxt S.L., for the work of one director in said entity.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">2.&#160;&#160;&#160;&#160;The amount of immediate payment for 2024 is 894,587 shares (1,611,965  Santander shares in 2024).</span></div><div style="margin-bottom:18pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">3.&#160;&#160;&#160;&#160;The deferred amount in instruments not linked to long-term objectives for 2024 is 416,410  shares ( 725,399 Santander shares in 2024).</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition to the amounts reflected in the table, salary remunerations amounting to EUR 4,118 thousand were granted in the form of buyouts and sign-on awards, related to the recruitment of new members who joined this employee group during the year.</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:130%">In 2025, the ratio of variable to fixed pay components was 134% of the total for senior managers, well within the maximum limit of 200% set by 2024 AGM.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Also, the detail of the breakdown of the remuneration linked to long-term objectives of the members of senior management at 31 December 2025 and 31 December 2024 is provided below. These remuneration payments shall be received, as the case may be, in the corresponding deferral periods, upon achievement of the conditions stipulated for each payment (see note&#160;46):</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:17.109%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.109%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.504%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.125%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Variable remuneration subject to long-term objectives</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Year</span></td><td colspan="3" style="padding:2px 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:105%">Number&#160;of&#160;people</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash&#160;<br/>payment</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Instrument</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">payment</span></div></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,521&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,522&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,043&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,485&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,486&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,971&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">1.&#160;&#160;&#160;&#160;Relates to the fair value of the maximum annual amounts for years 2029, 2030 and 2031 of the tenth cycle of the deferred conditional variable remuneration plan (2028, 2029 and 2030 for the ninth cycle of the deferred variable compensation plan linked to annual objectives for the year 2024). The face value of the three aforementioned deferred amounts is EUR 12,919&#160;thousand for 2025.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Additionally, members of senior management who stepped down from their roles in 2025 consolidated salary remuneration and other remuneration for a total amount of EUR 2,905 thousand (EUR 12,303&#160;thousand in 2024). In 2025 rights regarding variable</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:130%">pay subject to long-term objectives amounted to EUR 342 thousand (EUR 633 thousand were generated in 2024 for this collective). </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:130%">The maximum number of Santander shares that the members of senior management at each plan grant date (excluding executive directors) were entitled to receive as of 31 December 2025 and 31 December 2024 relating to the deferred portion under the various plans then in force is the following (see note&#160;46):</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:63.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.492%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.494%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Maximum number of shares to be delivered</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2019) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71,294&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2020)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">145,704&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">370,522&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2021)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">486,863&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">966,680&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2022)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">891,305&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,430,464&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2023)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">934,609&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,395,815&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2024)</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,601,213&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">Since the conditions established in the corresponding deferred share-based remuneration schemes for prior years had been met, the following number of Santander shares was delivered in 2025 and 2024 to the senior management, in addition to the payment of the related cash amounts:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:63.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.961%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.333%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Number&#160;of&#160;shares&#160;delivered</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2018)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57,730&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2019) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">54,249&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71,294&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2020) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">145,704&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">185,261&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2021) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">243,433&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">351,777&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2022) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">266,390&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">357,615&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2023) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">233,652&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,212,984&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2024) </span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,399,679&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">As indicated in note 5.c above, senior management participate in the benefit system created in 2012, which covers the contingencies of retirement, disability and death. Banco Santander makes annual contributions to the benefit plans of its senior managers. In 2012, the contracts of the senior managers with benefit pension commitments were amended to transform them into a contribution system. The system, which is outsourced to Santander Seguros y Reaseguros, Compa&#241;&#237;a Aseguradora, S.A., gives senior managers the right to receive benefits upon retirement, regardless of whether or not they are active at Banco Santander at such time, based on contributions to the system. This new system replaced their previous right to receive a pension supplement in the event of retirement. In the event of pre-retirement, and up to the retirement date, senior managers appointed prior to September 2015 are entitled to receive an annual allowance.</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:130%">In addition, further to applicable remuneration regulations, from 2016 (inclusive), a discretionary pension benefit component of at least 15% of total remuneration  in contributions to the pension system has been included. Under the regime corresponding to these discretionary benefits, the contributions that are calculated on variable remunerations are subject to malus and clawback clauses, subject to policies applicable at each time, and during the same period in which the variable remuneration is deferred.</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:130%">Likewise, the annual contributions calculated on variable remunerations must be invested in Bank shares for a period of five years from the date that the senior manager leaves the Group, regardless of whether or not they leave to retire. Once that period has elapsed, the amount invested in shares will be reinvested, along with the remainder of the cumulative balance corresponding to the senior manager, or it will be paid to the senior manager or to their beneficiaries in the event of a contingency covered by the benefits system.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The contracts of some members of senior management were modified at the beginning of 2018 with the same objective and changes indicated in section c of this note for Ana Bot&#237;n. The modifications, which are aimed at aligning the annual contributions with the practices of comparable institutions and reducing the risk of future obligations by eliminating the supplementary scheme for death (widowhood and orphanhood) and permanent disability in service without increasing the costs to the bank, are as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Contributions to the pensionable bases were reduced. Gross annual salaries were increased in the corresponding amount.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The death and disability supplementary benefits were eliminated since 1 January 2018 for some members of senior management and since 1 April 2018 for executive directors. A fixed remuneration supplement reflected in other remuneration in the table above was implemented on the same date.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The amounts insured for life and accident insurance were increased.</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:130%">All of the above was done without an increase in total cost for the Bank.</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:130%">The balance as of 31 December 2025 in the pension system for those who were part of senior management at year end amounted to EUR 51&#160;million (EUR 51&#160;million at 31 December 2024).</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:130%">The net charge to income corresponding to pension amounted to EUR 4.9&#160;million  in 2025 (EUR 4.5&#160;million in 31 December 2024).</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:130%">In 2025 and 2024 there have been no payments in the form of a single payment of the annual voluntary pre-retirement allowance.</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:130%">Additionally, the capital insured by life and accident insurance at 31 December 2025 of this group amounts to EUR 78&#160;million (EUR 83&#160;million at 31 December 2024).</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i5eff45286f704bad8b11359cd1182180"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">h) Post-employment benefits to former directors and former senior executive vice presidents</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:130%">The post-employment benefits and settlements paid in 2025 to former directors of the Bank, other than those detailed in note&#160;5.c amounted to EUR 5.6&#160;million and EUR 5.6&#160;million in 2024, respectively. Also, the post-employment benefits and settlements paid in 2025 to former executive vice presidents amounted to EUR 16&#160;million  and EUR 12.7&#160;million  in 2024, respectively.</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:130%">Contributions to insurance policies that hedge pensions to previous members of the Bank&#8217;s board of directors, amounted to EUR 0.17&#160;million in 2025 (EUR 0.17&#160;million in 2024). Likewise, contributions to insurance policies that hedge pensions for previous senior managers amounted to EUR 1.3&#160;million in 2025 (EUR 2.3&#160;million in 2024).</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:130%">No releases or charges were recorded in the consolidated income statement for pension commitments and similar obligations held by the Group with previous former members of the bank's board of directors or former members of senior management in 2025 and 2024.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, 'Provisions&#160;- Pension Fund and similar obligations' in the consolidated balance sheet as at 31 December 2025 included EUR 43&#160;million in respect of the post-employment benefit obligations to former Directors of the Bank (EUR 46&#160;million at 31 December 2024) and EUR 108&#160;million corresponding to former members of senior management (EUR 96&#160;million at 31 December 2024).</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i98f70407a972422a9f4a076cc534c1ad"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">i) Pre-retirement and retirement</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:130%">The board of directors approved an amendment to the contracts of executive directors whereby they ceased to have the right to pre-retire in case of termination of his contract.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="ifd105e0ed6eb43eab70122226f576e95"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">j) Contract termination</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:130%">The executive directors and members of senior management have indefinite-term employment contracts. Executive directors or senior managers whose contracts are terminated voluntarily or due to breach of duties are not entitled to receive any economic compensation. If Banco Santander terminates the contract for any other reason, they will be entitled to the corresponding legally-stipulated termination benefit, without prejudice to any compensation that may  for non-competition obligations, as detailed in the directors' remuneration policy. </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:130%">If Banco Santander were to terminate her contract, Ana Bot&#237;n would have to remain at Banco Santander&#8217;s disposal for a period of 4 months in order to ensure an adequate transition, and would receive her fixed salary during that period.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i31e5ac1f73364b8bab320ddd5a07b6a5"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">k) Information on investments held by the directors in other companies and conflicts of interest</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:130%">None of the members of the board of directors have declared that they or persons related to them may have a direct or indirect conflict of interest with the interests of Banco Santander, S.A., as set forth in article 229 of the Corporate Enterprises Act.</span></div></div></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of information about key management personnel. [Refer: Key management personnel of entity or parent [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and advances to central banks and credit institutions<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCentralBanksAndCreditInstitutionsAbstract', window );"><strong>Loans And Advances To Central Banks And Credit Institutions [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfLoansAndAdvancesToBanksExplanatory', window );">Loans and advances to central banks and credit institutions</a></td>
<td class="text">Loans and advances to central banks and credit institutions<div style="margin-bottom:3pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by classification, type and currency, of Loans and advances to central banks and credit institutions in the consolidated balance sheets is as follows:</span></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:61.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.346%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">CENTRAL BANKS</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Classification</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets held for trading</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14,632</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">12,966</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">17,717</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non-trading financial assets mandatorily at<br/>fair value through profit or loss</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets designated at fair value<br/>through other comprehensive income</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets at amortised cost</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">15,986</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">16,179</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">20,082</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">30,618</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">29,145</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">37,799</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Type</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Time deposits</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">15,986</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">16,179</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">17,747</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Reverse repurchase agreements</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14,632</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">12,966</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">20,052</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Impaired assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Valuation adjustments for impairment</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">30,618</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">29,145</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">37,799</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">CREDIT INSTITUTIONS</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Classification</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets held for trading</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">25,967</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">27,314</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14,061</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non-trading financial assets mandatorily at<br/>fair value through profit or loss</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">413</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">408</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">459</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets designated at fair value<br/>through other comprehensive income</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,120</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">363</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">313</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets at amortised cost</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">61,513</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">55,537</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">57,917</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">89,013</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">83,622</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">72,750</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Type</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Time deposits</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10,665</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">9,036</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8,560</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Reverse repurchase agreements</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">52,365</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">48,932</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">35,846</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non- loans advances</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">25,987</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">25,659</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">28,353</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Impaired assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Valuation adjustments for impairment</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(9)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">89,013</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">83,622</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">72,750</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">CURRENCY</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Euro</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">43,697</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">43,347</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">34,229</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Pound sterling</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5,147</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,424</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,539</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">US dollar</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">23,320</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">22,539</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">17,602</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Brazilian real</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">43,577</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">39,379</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">47,151</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other currencies</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,890</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5,078</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8,028</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">119,631</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">112,767</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">110,549</span></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The loans and advances to credit institutions classified under 'Financial assets at amortised' cost are mainly time accounts and deposits.</span></div><div style="margin-bottom:5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Note 51 contains a detail of their residual maturity periods.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This line item also includes irrevocable payment commitments to the Single Resolution Fund made in accordance with article 70.3 of Regulation 806/2014, which establishes uniform rules and a uniform procedure for the resolution of credit institutions and certain security service companies. investment within the framework of a Single Resolution Mechanism and a Single Resolution Fund, for which, in accordance with the standard, no provision has been recorded, these commitments have not been significant regarding the consolidated annual accounts.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025 the gross exposure by impairment stage of the assets accounted subject to impairment for amounts to EUR 78,623 million, EUR 0 million and EUR 0 million (EUR 72,084, EUR 0 million and EUR 0 million in 2024 and EUR 78,321 million, EUR 0 million and EUR 0 million in 2023), and the loan loss provision by impairment stage amounts to EUR 4 million, EUR 0 million and EUR 0 million (EUR 5 million, EUR 0 million and EUR 0 million in 2024 and EUR 9 million, EUR 0 million and EUR 0 million in 2023) in stage 1, stage 2 and stage 3, respectively.</span></div><div><span><br/></span></div></div></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of loans and advances to banks. [Refer: Loans and advances to banks]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans and Advances to Banks [Abstract]</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Debt securities<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfDebtInstrumentsAbstract', window );"><strong>Disclosure Of Debt Instruments [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDebtSecuritiesExplanatory', window );">Debt securities</a></td>
<td class="text">Debt securities<div style="margin-bottom:6pt;margin-top:9pt;padding-right:263.62pt"><span id="iacfd8e78ba044ec4a7fcbca321e7d2d7"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Detail</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by classification, type and currency, of Debt securities in the consolidated balance sheets is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:62.751%"></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:11.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.012%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="9" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Classification</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">98,568&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82,646&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,124&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">245&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">447&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">860&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,894&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,897&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,095&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Financial assets designated at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58,305&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76,558&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73,565&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Financial assets at amortised cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">140,014&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">120,949&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">103,559&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">300,026</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">283,497</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">243,203</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Type</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Spanish government debt securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63,742&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56,919&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,321&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Foreign government debt securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">172,468&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">164,747&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">145,732&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Issued by financial institutions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,465&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,776&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,681&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Other fixed-income securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,029&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,703&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,294&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Impaired financial assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">842&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">701&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">461&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Impairment losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(520)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(349)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(286)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">300,026</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">283,497</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">243,203</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Currency</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Euro</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">142,969&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">118,456&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">90,857&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Pound sterling</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,114&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,630&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,284&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">US dollar</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50,671&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,189&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,161&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Brazilian real</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,231&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,432&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,190&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Other currencies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,561&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57,139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58,997&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt securities excluding impairment adjustments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">300,546</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">283,846</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">243,489</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Impairment losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(520)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(349)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(286)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">300,026</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">283,497</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">243,203</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The increase in the year of the debt securities portfolio under the heading  'Financial assets at fair value with changes in other comprehensive income' is mainly due to the increase in exposure to sovereign debt, as a result of greater activity in the markets business, both its own and for distribution to clients.</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:130%">Likewise, the increase in the debt securities portfolio under the heading 'Financial assets at amortized cost' is due to the continuation of the strategy started in year 2022 in which two new business models were created for the optimization of excess liquidity and the management of the maturity of the balance sheet credit and deposit portfolios.</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:130%">At 31 December 2025, 2024 and 2023 the gross exposure by impairment stage of the book assets amounted to EUR 196,509 million, EUR 196,514 million and EUR 176,697 million in stage 1; EUR 1,480 million, EUR 597 million and EUR 203 million in stage 2, and EUR 842 million, EUR 701 million and EUR 461 million in stage 3, respectively.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, at 31 December 2025, the Group had EUR 8 million (EUR 44&#160;million at 31 December 2024) of exposure in assets purchased with impairments, which correspond mainly to the business combinations carried out by the Group with any additional impairment signs.</span></div></div></div><div style="margin-bottom:6pt;margin-top:15pt;padding-right:263.62pt"><span id="i7b097a174c45444ca392f2f0c69bfd3e"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Breakdown</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The breakdown, by origin of the issuer, of debt securities at 31 December 2025, 2024 and 2023, net of impairment losses, is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:15.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.974%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.392%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.392%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.572%"></td><td style="width:0.1%"></td></tr><tr><td colspan="45" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Private fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Public fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Private fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Public fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Private fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Public fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,528&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63,742&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">66,270&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22.09</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,901&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56,919&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58,820&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20.75</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,525&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,321&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,846&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.62</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">United Kingdom</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,336&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,227&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,563&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.85</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,077&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,903&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,980&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.58</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,816&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,748&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,564&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.11</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Portugal</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,212&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,627&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,839&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.95</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,224&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,138&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,362&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.95</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,826&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,815&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,641&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.14</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Italy</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,821&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,215&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,036&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.01</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,072&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,954&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,026&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.18</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,968&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,945&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,913&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.54</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ireland</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,239&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,281&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.43</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,557&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,571&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.61</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,632&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,643&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.32</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Poland</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,465&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,487&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.50</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,472&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,224&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,696&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.24</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,937&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,482&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,419&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.34</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other European countries</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,682&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,894&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,576&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.86</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,593&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,702&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,295&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.57</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,797&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,495&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,292&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.40</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">United States</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,941&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,199&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,140&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.71</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,475&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,811&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,286&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.21</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,959&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,992&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,951&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.14</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazil</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,518&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,908&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,426&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.81</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,738&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,645&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,383&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.01</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,551&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,342&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,893&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.87</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexico</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,001&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,113&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,114&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.37</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,190&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,822&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,012&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.12</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,969&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,738&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,707&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.34</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,567&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,704&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.90</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,982&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,078&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.50</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,995&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,044&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.95</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other American countries</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,254&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,954&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,208&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.07</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,336&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,502&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,838&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.76</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,315&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,546&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,861&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of the world</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,125&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,257&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,382&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.45</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,050&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.52</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">806&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,623&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,429&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.23</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">63,816</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">236,210</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">300,026</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">61,831</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">221,666</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">283,497</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57,150</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">186,053</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">243,203</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr></table></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by issuer rating, of Debt securities at 31 December 2025, 2024 and 2023 is as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:12.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.159%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.277%"></td><td style="width:0.1%"></td></tr><tr><td colspan="45" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Private fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Public fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Private fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Public fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Private fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Public fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">AAA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,952&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,320&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,272&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.42</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,889&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,440&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,329&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.23</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,152&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,887&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,039&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.47</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">AA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,598&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,451&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,049&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20.68</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,972&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,254&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64,226&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22.65</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,142&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,704&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,846&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21.32</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">A</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,206&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">95,537&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">108,743&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36.24</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,056&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87,814&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">97,870&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34.53</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,175&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68,112&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">79,287&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32.60</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">BBB</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,872&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50,066&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56,938&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.98</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,900&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,483&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,383&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.83</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,749&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39,173&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,922&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19.29</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Below BBB</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,052&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,836&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,888&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.63</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,543&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,675&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,218&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.54</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,654&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,831&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.97</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Unrated</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,136&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,136&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.05</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,471&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,471&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.22</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.35</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">63,816</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">236,210</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">300,026</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">61,831</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">221,666</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">283,497</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57,150</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">186,053</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">243,203</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">During 2025, France's rating for sovereign issuances has been modified from AA- to A+. During 2024, Portugal's rating for sovereign issuances was modified from BBB+ to A-. For the year 2023, the distribution of the exposure by rating level of the previous table was not affected by ratings reviews of the sovereign issuers.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></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:130%">The detail, by type of financial instrument, of private fixed-income securities at 31 December 2025, 2024 and 2023, net of impairment losses, 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:49.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Securitised mortgage bonds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,514&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,709&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,310&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other asset-backed bonds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,073&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,624&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,243&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Floating rate debt</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,721&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,323&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,376&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Fixed rate debt</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,508&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,175&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,221&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">63,816</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">61,831</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57,150</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;margin-top:6pt"><span id="i5eb4ab1e62f44c1aad4ab19af53a9f2b"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Impairment losses</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:130%">The changes in the impairment losses on debt securities are summarised below:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:53.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.025%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at beginning of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">349&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">286&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">226&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Net impairment losses for the&#160;year</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">182&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">226&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Impairment losses charged to income </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">238&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">234&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Impairment losses reversed with a credit to income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(56)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(12)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Assets written off</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(131)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Balance at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">520</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">349</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">286</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">By geographical location of risk:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;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:105%">European Union</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">26&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;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:105%">America</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">494&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">326&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">264&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Of the EUR 182 million corresponding to net provisions for the year ended 31 December 2025 (EUR 226 million and EUR 24 million at 31 December 2024 and 2023, respectively), EUR 182 million relates to financial assets at amortized cost (EUR 227 million and EUR 23 million at 31 December 2024 and 2023, respectively) and EUR 0 million relates to financial assets designated at fair value through other comprehensive income (EUR -1 million and EUR 1 million at 31 December 2024 and 2023, respectively).</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:130%">At 31 December 2025, 2024 and 2023 the loan loss provision by impairment stage of the assets accounted for under IFRS9 amounted to EUR 62 million, EUR 39 million and EUR 30 million in stage 1, EUR 66 million, EUR 9 million and EUR 8 million in stage 2, and EUR 392 million, EUR 301 million and EUR 248 million in stage 3, respectively.</span></div><span></span>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of debt instruments. [Refer: Debt instruments issued; Debt instruments held]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of Debt Instruments [Abstract]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Equity instruments<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAbstract', window );"><strong>Equity [abstract]</strong></a></td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfEquityFinancialInstrumentsTextBlock', window );">Equity instruments</a></td>
<td class="text">Equity instruments<div style="margin-bottom:6pt;margin-top:9pt"><span id="i4fd6e42de1e2442985563d4265f84ac1"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown</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:130%">The detail, by classification and type, of Equity instruments in the consolidated balance sheets 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:49.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="9" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Classification</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,030&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,636&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,057&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,815&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,641&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,068&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,281&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,193&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,761&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30,126</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23,470</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,886</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Type</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Shares of Spanish companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,083&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,730&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,540&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Shares of foreign companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,633&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,153&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,185&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Shares of investment funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,410&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,587&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,161&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30,126</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23,470</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,886</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">Note 29 contains a detail of the 'Other comprehensive income', recognised in equity, on 'Financial assets designated at fair value through other comprehensive income'.</span></div><div style="margin-bottom:6pt"><span id="iff0a4bcafce8451ab45fdca6aa674dfb"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Changes</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:130%">The changes in 'Financial assets at fair value through other comprehensive income' were 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:49.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="9" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at beginning of&#160;the year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,193&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,761&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,941&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net additions (disposals)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(81)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(35)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (EIGR)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">245&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">447&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(162)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the RV hedged with micro-hedging transactions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(76)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(29)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Balance at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,281</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,761</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">They do not include fair value movements for currency risk hedged with hedging instruments.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i269df894adac4de29deeb391af382e20"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Notifications of acquisitions of investments</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:130%">The notifications of the acquisitions and disposals of holdings in investees made by the Bank in 2025, in compliance with Article 155 of the Spanish Limited Liability Companies Law and Article 105 of Spanish Securities Market Law 24/1998, are listed in appendix IV.</span></div><span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Trading derivatives (assets and liabilities) and short positions<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfTradingDerivativesAndShortPositionsTextBlock', window );">Trading derivatives (assets and liabilities) and short positions</a></td>
<td class="text">Trading derivatives (assets and liabilities) and short positions<div style="margin-bottom:6pt;margin-top:9pt"><span id="i35344bb4d90c409fb6282b9dd2ab5367"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Trading Derivatives</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:130%">The detail, by type of inherent risk, of the fair value of the trading derivatives arranged by the Group is as follows (see note&#160;11):</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"><tr><td style="width:1.0%"></td><td style="width:15.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.831%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.831%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.831%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.831%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.831%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.837%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 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:105%">2025</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debit balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Credit balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debit balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Credit balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debit balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Credit balance</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,550&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,728&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,834&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,754&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,480&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,014&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Currency risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,755&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,508&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,395&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,110&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,834&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,094&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Price risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,858&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,279&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,765&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,632&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,279&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">904&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other risks</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,192&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,453&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,106&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,257&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">735&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">577&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">58,355</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">51,968</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">64,100</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57,753</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">56,328</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50,589</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i4e58aabf0172431e9c1bbe755d92b397"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Short positions</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:130%">Following is a breakdown of the short positions (liabilities):</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:50.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.951%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Borrowed securities</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,938&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,566</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,263&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which: </span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,555&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,347</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,383&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,358&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,199&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,881&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Equity instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">690&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">538&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">546&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">429&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">358&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">312&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Short sales</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,387&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,726&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,365&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">28,710&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23,813&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,143&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander (Brasil) S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7,417&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,950&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,462&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Santander US Capital Markets LLC </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,396&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,382&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,442&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">44,015</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">35,830</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,174</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and advances to customers<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersAbstract', window );"><strong>Loans And Advances To Customers [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfLoansAndAdvancesToCustomersExplanatory', window );">Loans and advances to customers</a></td>
<td class="text">Loans and advances to customers<div style="margin-bottom:6pt;margin-top:9pt"><span id="idc13193aa3f84b11853716a4fc93a088"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Detail</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:130%">The detail, by classification, of Loans and advances to customers in the consolidated balance sheets 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:47.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.109%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,766&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,591&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,634&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through<br/>profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,701&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,042&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">982&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,739&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,610&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,219&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,906&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,784&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,669&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">985,176&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,011,042&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,009,845&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Impairment losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(21,158)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(22,125)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(22,788)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,037,288&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,054,069&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,036,349&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances to customers disregarding impairment losses </span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,058,446</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,076,194</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,059,137</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">Note 51 contains a detail of the residual maturity periods of 'Financial assets at amortized cost'.</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:130%">Note&#160;54 shows the Group&#8217;s total exposure, by geographical origin of the issuer.</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:130%">There are no loans and advances to customers for material amounts without fixed maturity dates.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i21f272f0b48d44ae8d0d3c27c53c96b2"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Breakdown</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:130%">Following is a breakdown of the loans and advances granted to the Group's customers, which reflect the Group's exposure to credit risk in its main activity, without considering the balance of value adjustments for impairment, taking into account the type and situation of the transactions, the geographical area of their residence and the type of interest rate on the transactions:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:47.974%"></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:15.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.876%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loan type and status</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Commercial credit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,110&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,209&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,628&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Secured loans</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">530,749&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">557,463&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">554,375&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73,980&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">59,648&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,184&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other term loans</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">295,998&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">296,339&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">295,485&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Finance leases</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,540&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,723&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Receivable on demand</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,313&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,756&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,277&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Credit cards receivables</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,179&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,928&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,371&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impaired assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,577&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,731&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,094&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,058,446</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,076,194</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,059,137</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Geographical area</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">198,894&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">198,164&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">203,680&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of Europe </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">467,697&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">502,664&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">489,706&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">of which United Kingdom</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">258,739&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">266,934&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">263,808&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">The Americas</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">374,739&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">359,264&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">350,873&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">of which USA</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">135,088&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">136,054&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">126,529&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">of which Brazil</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">90,951&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">91,066&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100,758&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of the world</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,116&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,102&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,878&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,058,446</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,076,194</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,059,137</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate formula</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fixed rate</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">694,332&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">678,994&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">647,349&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Floating rate</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">364,114&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">397,200&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">411,788&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,058,446</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,076,194</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,059,137</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">At 31 December 2025, 2024 and 2023 the Group had granted loans amounting to EUR 18,127 million, EUR 16,562 million and EUR 15,544 million to Spanish public sector agencies which had a rating at 31 December 2025 of A (ratings of A at 31 December 2024 and 31 December 2023), and EUR 16,248 million, EUR 13,593 million, and EUR 11,530 million to the public sector in other countries (at 31 December 2025, the breakdown of this amount by issuer rating was as follows: 3.6% AAA, 26.4% AA, 25.6% A, 27.5% BBB, 16.4% below BBB and 0.5% without rating).</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:130%">Without considering the public administrations, the amount of the loans and advances at 31 December 2025, 2024 and 2023 amounts to EUR 1,024,071 million, EUR 1,046,039 million and EUR 1,032,063 million, of which, EUR 954,533 million, EUR 1,012,389 million and EUR 998,010 million are classified as performing, respectively.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is a detail, by activity, of the loans to customers at 31 December 2025, net of impairment losses:</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:28.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.460%"></td><td style="width:0.1%"></td></tr><tr><td colspan="33" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><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="24" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Secured loans</span></td></tr><tr><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="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net exposure</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan to value ratio</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Total</span></td><td colspan="3" style="padding:2px 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:105%">Without <br/>collateral</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of&#160;which<br/>property<br/>&#160;collateral</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of&#160;which<br/>other<br/>&#160;collateral</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Less than or&#160;equal to 40%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More<br/>than 40%&#160;and less&#160;than or&#160;equal<br/>to 60%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More<br/>than 60%&#160;and less&#160;than or&#160;equal<br/>to 80%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More<br/>than 80%&#160;and less&#160;than or&#160;equal<br/>to 100%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than 100%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Public sector</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,607&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,423&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">153&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,031&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">157&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">168&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">251&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">334&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">274&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial institutions (financial business activity)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">124,684&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,687&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,959&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80,038&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,045&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">995&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">424&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77,935&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">598&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-financial corporations and individual entrepreneurs (non-financial business activity) (broken down by purpose)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">318,284&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">179,529&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63,124&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">75,631&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,917&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,942&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,168&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,306&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,422&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Construction and property development</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,118&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,294&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,594&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">230&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,963&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,921&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,890&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,164&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">886&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Civil engineering construction</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,522&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,732&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">771&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">93&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">84&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">470&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">104&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Large companies</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">181,870&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">128,502&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,718&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">35,650&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,666&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,157&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,459&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,909&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">SMEs and individual entrepreneurs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">116,774&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">48,001&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29,793&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">38,980&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,684&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,271&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,082&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,213&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,523&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Households&#160;&#8211; other (broken down by purpose) </span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">542,623&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">108,903&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">338,778&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94,942&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100,584&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">126,917&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">113,075&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,214&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37,930&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Residential</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">332,931&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,149&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">331,655&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">127&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">90,170&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">116,264&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">97,858&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,944&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,546&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Consumer loans</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">192,576&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">104,388&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,667&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">86,521&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,909&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,063&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,297&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24,977&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">35,942&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Other purposes</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,116&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,366&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,456&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,294&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,505&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,590&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,920&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,293&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">442&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,015,198</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">359,542</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">404,014</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">251,642</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">126,703</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">155,022</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">132,918</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">178,789</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">62,224</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:400;line-height:105%">Memorandum item</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Refinanced and restructured transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,151&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,546&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,896&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,709&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,347&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,381&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,037&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,457&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,383&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:3pt;padding-left:7.09pt;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:115%">A.</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">In addition, the Group has granted advances to customers am</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">ounting to EUR 22,090 million, bringing the total of loans and advances to EUR 1,037,288 million.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Includes the net balance of the impairment of the accumulated value or accumulated losses in the fair value due to credit risk.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">The ratio is the carrying amount of the transactions at 31 December 2025 provided by the latest available appraisal value of the collateral.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;margin-top:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Note&#160;54 contains information relating to the forborne loan portfolio.</span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is the movement of the gross exposure broken down by impairment stage of loans and advances to customers recognised under 'Financial assets at amortised cost' and 'Financial assets at fair value through other comprehensive income' during 2025, 2024 and 2023:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:38.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at the beginning of year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">925,413&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">84,455&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,568&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,043,436&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Movements</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(39,015)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39,015&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12,097)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,097&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8,266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,266&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,079&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16,079)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,764&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,764)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">441&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(441)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes on financial assets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69,819&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12,940)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,436)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">52,443&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(54,818)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6,369)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,493)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(63,680)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">905,822</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">81,580</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31,531</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,018,933</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:38.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.876%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at the beginning of year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">929,133&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76,654&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,821&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,039,608&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Movements</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers </span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(49,316)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49,316&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11,517)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,517&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10,083)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,083&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,475&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21,475)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,358&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,358)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">447&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(447)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes on financial assets </span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,281&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11,616)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,889)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,776&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,212)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,212)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8,090)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(699)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(947)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9,736)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">925,413</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">84,455</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">33,568</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,043,436</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:39.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.025%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at the beginning of year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">942,861&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">66,696&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,617&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,042,174&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Movements</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(43,278)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12,636)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,636&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9,915)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,915&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,180&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15,180)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,899&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,899)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">488&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(488)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes on financial assets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,696&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10,673)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,218)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,805&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,178)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(451)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">105&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,524)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">929,133</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">76,654</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">33,821</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,039,608</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">In addition, at 31 December 2025, the Group had EUR 307 million (EUR 515 million at 31 December 2024 and EUR 694  million at 31 December 2023) of exposure in assets purchased with impairment of which EUR 46 million still show signs of additional impairment, which correspond mainly to the business combinations carried out by the Group.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span><br/></span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="ic651a9bd4b5642b5b44daca6bcbbd497"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Impairment losses on loans and advances to customers at amortised cost and at fair value through other comprehensive income</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:130%">The changes in the impairment losses on the assets making up the balances of financial assets at amortised cost and at fair value through other comprehensive income - Loans and advances - Customers:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Amount at beginning of the year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,125&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,788&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,684&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment losses charged to income for the year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,144&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,428&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,805&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Impairment losses charged to profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">24,935&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,761&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,608&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Impairment losses reversed with a credit to profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(10,791)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(9,333)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6,803)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Change of perimeter</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(48)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-off of impaired balances against recorded impairment allowance</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,266)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,212)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other changes</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,845)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(879)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">194&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Amount at end of the year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,158</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,125</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,788</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Which correspond to:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Impaired assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">13,527&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,088&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,238&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7,631&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,037&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,550&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Individually calculated</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,359&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,258&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,951&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Collective calculated</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">18,799&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,867&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,837&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">In addition, provisions for debt securities amounting to EUR 182 million were recorded at 31 December 2025 (provisions amounting to EUR 226 million and EUR 24 million as of 31 December 2024 and 2023, respectively), written-off assets recoveries have been recorded in the&#160;year amounting to EUR 1,791 million at 31 December 2025 (EUR 1,600 million and EUR 1,587 million at 31 December 2024 and 2023, respectively). </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:130%">With this, the impairment recorded in Impairment or reversal of impairment at financial assets not measured at fair value through  profit or loss and net gains and losses from changes: 'Financial assets at fair value through other comprehensive income' and 'Financial assets at amortised cost (IFRS 9) and, Loans and receivables (IAS 39)'; amounts EUR 12,535 million at 31 December 2025 (EUR 12,136 million and EUR 12,298 million at 31 December 2024 and 2023, respectively).</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is the movement of the loan loss provision broken down by impairment stage of loans and advances to customers during 2025, 2024 and 2023:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:39.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.025%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the beginning of the year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,293&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,744&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,088&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,125&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,734&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,887&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(701)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,931&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,230&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,189)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,760&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,571&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(466)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(384)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(344)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(167)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(59)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(43)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes of the exposure and modifications in the credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,269&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(800)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,581&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,050&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">FX and other movements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(112)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(569)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,164)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,845)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,000</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,631</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,527</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21,158</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:40.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the beginning of the year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,596&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,954&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,238&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,788&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(626)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,676&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,050&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(385)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,548&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,591)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,444&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,853&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">109&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(725)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(616)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(693)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(415)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(156)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(133)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes of the exposure and modifications in the credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">755&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(704)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,655&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,706&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,212)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,212)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">FX and other movements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(179)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(144)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(736)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,059)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,293</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,744</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,088</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">22,125</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:40.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the beginning of the year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,626&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,127&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,931&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,684&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(696)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,954&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,258&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(405)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,873&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,820)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,721&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,901&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">149&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(905)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(756)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">282&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(920)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(638)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(184)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(157)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes of the exposure and modifications in the credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">875&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(557)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,212&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,530&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">FX and other movements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(127)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(60)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,596</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,954</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,238</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">22,788</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i5bf97dfa6b5245089d7f03e109d9b474"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Impaired assets and assets with unpaid past-due amounts</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:130%">The detail of the changes in the balance of the financial assets classified as 'Financial assets Loans to customers' considered to be impaired due to 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:51.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.643%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Balance at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,731&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">34,094&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">32,888&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Net additions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,648&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,779&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,944&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Written-off assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,266)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13,212)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13,847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the scope of consolidation</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(59)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Exchange differences and other</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,536)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(947)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">168&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at end of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31,577</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">33,731</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">34,094</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">This amount, after deducting the related allowances, represents the Group&#8217;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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025, the Group&#8217;s written-off assets totalled EUR 51,435 million (EUR 49,939 million and EUR 48,138 million at 31 December 2024 and 2023, respectively).</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Set forth below for each class of impaired asset are the gross amount, associated allowances and information relating to the collateral and/or other credit enhancements obtained at 31 December 2025:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:41.801%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.109%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.346%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Gross<br/>amount</span></td><td colspan="3" style="padding:2px 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:105%">Allowance recognised</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Estimated collateral<br/>value</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Without associated real collateral</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,846&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,133&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">With real estate collateral</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,777&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,759&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,657&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">With other collateral</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,954&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,635&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,424&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31,577</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,527</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,081</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Including the estimated value of the collateral associated with each loan. Accordingly, any other cash flows that may be obtained, such as those arising from borrowers&#8217; personal guarantees, are not included.</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:130%">When classifying assets in the previous table, the main factors considered by the Group to determine whether an asset has become impaired are the existence of amounts past due&#160;&#8212;assets impaired due to arrears&#8212; or other circumstances that may arise which will not result in all contractual cash flows being recovered, such as a deterioration of the borrower&#8217;s financial situation, the worsening of its capacity to generate funds or difficulties experienced by it in accessing credit.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="ie08cd25761e748628b937778eed25aae"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%">e) Transferred credits</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:130%">'Loans and advances to customers' includes, inter alia, the securitised loans transferred to third parties on which the Group has&#160;retained&#160;the risks and rewards, albeit partially, and which therefore, in accordance with the applicable accounting standards, cannot be derecognised. This is mainly due to mortgage loans, loans to companies and consumer loans in which the group retains subordinate financing and/or grants some kind of credit enhancement to new holders.</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:130%">Securitisation is used as a tool for the management of regulatory capital and as a means of diversifying the Group's liquidity sources.</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:130%">The breakdown of securitized loans held on the balance sheet, according to the nature of the financial instrument in which they are originated, is shown below:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:49.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Retained on the balance sheet</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80,072</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80,824</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">75,738</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Securitised mortgage assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19,640</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">17,782</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">16,994</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;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:105%">Of which: UK assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10,236</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">9,034</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">6,096</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Other securitised assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">60,432</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">63,042</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">58,744</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">80,072</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">80,824</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">75,738</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Note 22 details the liabilities associated with these securitisation transactions.</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:130%">At 31 December 2025, Grupo Santander had loans that had been fully derecognised and for which it retained servicing amounting to EUR 12,174 million (EUR 14,919 million and EUR 13,923 million at 31 December 2024 and 2023, respectively).</span></div></div></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of loans and advances to customers. [Refer: Loans and advances to customers]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Trading derivatives<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_HedgingDerivativesAbstract', window );"><strong>Derivatives [Abstract]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDerivativeFinancialInstrumentsExplanatory', window );">Trading derivatives</a></td>
<td class="text">Trading derivatives<div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of the notional amounts and the market values of the trading derivatives held by the Group in 2025, 2024 and 2023 is as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:36.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.976%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Notional amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Market<br/>value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Notional amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Market<br/>value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Notional amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Market<br/>value</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Trading derivatives</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate risk</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Forward rate agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,995,070&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(32)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,992,413&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">829,913&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest rate swaps</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,166,278&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,324&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,127,812&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,364&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,381,966&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,514&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Options, futures and other derivatives</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">470,659&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(472)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">377,285&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(297)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">398,519&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(51)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit risk</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit default swaps</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">64,924&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3,135)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">41,111&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(572)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,462&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(86)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Foreign currency risk</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Foreign currency purchases and sales</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">611,850&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,282&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">514,268&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">595&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">471,955&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Foreign currency options</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">160,421&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">441&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">221,159&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">528&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">77,934&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">288&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Currency swaps</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">682,350&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,526&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">625,765&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(838)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">586,405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(581)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Securities and commodities derivatives and other</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">98,588&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(547)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">78,328&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">554&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">68,664&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">619&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,250,140</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,387</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,978,141</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,347</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,837,818</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,739</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfDerivativeFinancialInstrumentsExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of derivative financial instruments. [Refer: Derivatives [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfDerivativeFinancialInstrumentsExplanatory</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>n/a</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Non-current assets held for sale and liabilities associated with non-current assets held for sale<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract', window );"><strong>Non-current assets or disposal groups classified as held for sale or as held for distribution to owners [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfNoncurrentAssetsAndLiabilitiesOrDisposalGroupsClassifiedAsHeldForSaleTextBlock', window );">Non-current assets held for sale and liabilities associated with non-current assets held for sale</a></td>
<td class="text">Non-current assets held for sale and liabilities associated with non-current assets held for sale<div style="margin-bottom:6pt;margin-top:9pt"><span id="i58dfd1bfc42e43099cb305d5b0a4bff6"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown</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:130%">The detail of Non-current assets held for sale in the consolidated balance sheets is as follows: </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">EUR million</span></div></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Tangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">2,850</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">2,851</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">2,991</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 6.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Foreclosed assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,487&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,621&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,773&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Of which property assets in Spain</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,705&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,896&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,138&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Other tangible assets held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">363&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">230&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">218&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Entities held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">72,148</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">1,137</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 7pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;&#160;&#160;&#160;&#160;&#160;Caceis (Note 3)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,137&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;&#160;&#160;&#160;&#160;&#160;Santander Bank Polska S.A. (Note 3) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">72,148&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Other assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">13</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">14</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">23</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total non-current assets held for sale</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">75,011</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">4,002</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">3,014</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Entities held for sale</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 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:105%">Santander Bank Polska S.A. (Note 2)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,995&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">Total Liabilities associated with non-current assets held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">62,995</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></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:130%">At 31 December 2025, the provisions recognised for the total non current assets held for sale totalled EUR 2,357 million (EUR 2,606 million and EUR 2,956 million at 31 December 2024 and 2023, respectively). The charges recorded in those&#160;years amounted to EUR 131 million, EUR 163 million and EUR 139 million, respectively, and the recoveries during these exercises are amounted to EUR 59 million, EUR 71 million and EUR 88 million, respectively.</span></div><div style="margin-bottom:6pt;margin-top:9pt;text-indent:-0.01pt"><span id="ic4736ac6345b47268d4edadaef811743"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Assets and liabilities from entities held for sale</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:130%">The following is the consolidated balance sheet and consolidated summary cash flow statements for the Polish business held for sale:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:84.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Condensed consolidated balance sheet</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Cash, cash balances at central banks and other deposits on demand</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,515</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,956</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,173</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at amortised cost</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,642</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Intangible assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,335</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tax assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,224</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,303</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">Total assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-right:1pt solid #ffffff;border-top:0.5pt solid #ee2724;padding:2px 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:105%">72,148</span></td></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:84.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Condensed consolidated balance sheet</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">842&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities at amortised cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">59,704&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">603&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tax liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,335&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">511&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">Total liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">62,995</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:84.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Other comprehensive income</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Items that will not be reclassified to profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Actuarial gains or losses on defined benefit pension plans</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Items that may be reclassified to profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(590)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedges of net investments in foreign operations (effective portion)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(522)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(164)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cash flow hedges (effective portion)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">98&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments at fair value with changes in other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Share in other income and expenses recognised in investments, joint ventures and associates</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10)</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Condensed consolidated statements of cash flows</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">A) Cash flows from operating activities</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,405</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,705</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">352</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 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:105%">B) Cash flows from investing activities</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(98)</span></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(96)</span></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(91)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 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:105%">C) Cash flows from financing activities</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,301)</span></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,194)</span></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(591)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 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:105%">D) Effect of foreign exchange rate differences</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20</span></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27</span></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">143</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">E) Net increase/(decrease) in cash and cash equivalents</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">26</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">442</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">(187)</span></td></tr></table></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:130%">At 31 December 2025, the  written-off assets totalled EUR 2,339 million from the Polish business held for sale.</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:130%">Consistent with the Group&#180;s management model, the amounts related to the business held for sale in Poland are primarily reported within the Retail &amp; Commercial Banking segment for primary segment information purposes. Additionally, a separate breakdown for the Poland geography is presented as a secondary segment.</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:130%">In addition, see the consolidated summary profit and loss accounts for the business for sale in Poland in Note 37.</span></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investments<br></strong></div></th>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInterestsInOtherEntitiesExplanatory', window );">Investments</a></td>
<td class="text">Investments<div style="margin-bottom:6pt;margin-top:9pt"><span id="i35a5cf5f5f994bbab84c4c837e8f2795"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown</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:130%">The detail, by company, of Investments 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:64.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.322%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Associated entities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,096</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,216</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,682</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Merlin Properties, SOCIMI, S.A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,830&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,803&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,621&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Zurich Santander Insurance<br/>America, S.L. - Consolidated</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">940&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">884&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">936&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Metrovacesa, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">748&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">841&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">899&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CNP Santander</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">399&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">397&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">423&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Pluxee Beneficios Brasil S.A. </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">295&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">309&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Caceis (Notes 3 and 12)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">884&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">982&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">664&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Joint Ventures entities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,956</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,061</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,964</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Santander Caceis Latam Holding 1, S.L. - Consolidated (previously Santander Securities Services Latam Holding, S.L)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">404&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">381&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">389&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Vida Seguros y Reaseguros, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">329&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">356&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">362&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">U.C.I., S.A. - Consolidated</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">293&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">325&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">349&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Fortune Auto Finance Co., Ltd</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">232&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">261&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">254&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hyundai Capital UK Limited</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">270&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">249&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">205&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Volvo Car Financial Services UK Limited</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">116&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">99&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco RCI Brasil S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">92&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">235&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">296&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">237&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Associated entities and Joint ventures</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,052</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,277</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,646</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Acquisition of 20% of Pluxee Beneficios Brasil S.A. and capital increase of Merlin Properties, SOCIMI, S.A., both carried out in 2024.</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:130%">Of the entities included above, at 31 December 2025, the entities Merlin Properties, SOCIMI, S.A, and Metrovacesa, S.A. and Compa&#241;&#237;a Espa&#241;ola de Viviendas en Alquiler, S.A., are the only listed companies.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Below is a breakdown of the Goodwill of the main investments in joint ventures and associates included in the balance of this heading:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:53.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.025%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Goodwill</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,096</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,238</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,460</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Zurich Santander Insurance America, S.L. - Consolidated</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">526&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">526&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">526&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Pluxee Beneficios Brasil S.A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">71&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">122&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Caceis (Notes 3 and 12)</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">337&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Acquisition of 20% of Pluxee Beneficios Brasil S.A. in 2024. </span></div><div style="margin-bottom:6pt"><span id="i300d1f8c1222493f838ae7e70a7bda3a"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Changes</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:130%">The changes in the investments were 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:58.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.481%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,277&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,646&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,615&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Acquisitions (disposals) of companies and capital increases (reductions)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(17)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,011&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">52&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the consolidation method (Note 3)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">15&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(43)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Entities for sale (Notes 3 y 12)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(168)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,137)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Effect of equity accounting</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">665&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">687&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">591&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Dividends distributed and reimbursements of share premium</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(694)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(745)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(565)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Zurich Santander Insurance Am&#233;rica, S.L. - Consolidado</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(206)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(202)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(202)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Metrovacesa, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(118)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(52)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(50)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Santander Vida Seguros y Reaseguros, S.A.- Consolidated</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(87)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(82)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(52)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Merlin Properties, SOCIMI, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(57)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(53)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(51)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">CNP Santander</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(54)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(88)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(51)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">CIP S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(16)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(56)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Caceis</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(114)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Hyundai Capital UK Limited</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(58)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other global result</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other changes</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(54)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(140)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at end of year</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,052</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,277</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,646</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Includes the acquisition of 20% of Pluxee Beneficios Brasil S.A. and the capital increase of Merlin Properties, SOCIMI, S.A carried out in 2024.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt">Stakes of Santander Bank Polska S.A. and Caceis (Notes 3 and 12).</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4890dc3a7a0c4deb80f4a565b7ac12b2"></span><span style="background-color:#ffffff;color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Impairment adjustments</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:130%">During the years 2025, 2024 and 2023 there was no evidence of significant impairment in the Group's associated interests.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i2021c0825cd242d181220682c55850f0"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Other information</span></div><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%">A summary of the financial information at the end of December 2025 of the main associates and joint ventures (obtained from the information available at the date of preparation of the consolidated financial statements) is shown below:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:17.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.392%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.573%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="36" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Associates</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Merlin Properties, SOCIMI, S.A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:3.9pt;font-weight:700;line-height:105%;position:relative;top:-2.1pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Metrovacesa, S.A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:3.9pt;font-weight:700;line-height:105%;position:relative;top:-2.1pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Pluxee Beneficios Brasil S.A.</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Zurich Santander Insurance Am&#233;rica, S.L. - Consolidated</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">CNP Santander</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Santander Caceis Latam Holding, S.L. - Consolidated</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">U.C.I., S.A. - Consolidated</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Hyundai Capital UK Limited</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Fortune Auto Finance Co., LTD</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Santander Vida Seguros y Reaseguros, S.A.- Consolidated (note 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Banco RCI Brasil S.A.</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Current assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,701&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,025&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">689&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,434&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">165&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">201&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">397&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,022&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">167&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">157&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non current assets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">11,758&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">389&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">652&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">20,190&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">579&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8,876&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,665&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,933&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,710&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,221&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">13,459</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,414</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,341</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">22,624</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,304</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">780</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">9,273</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">5,687</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,100</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,867</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,231</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Current liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">840&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">507&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">254&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">657&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">186&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">315&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">6,930&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,685&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">140&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">112&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non current liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5,118&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">310&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">578&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">21,021&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,726&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">35&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,715&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,480&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,627&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,243&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,924&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">5,958</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">817</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">832</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">21,678</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,912</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">350</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">8,645</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">5,165</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,637</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,383</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,036</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Attributable profit for the period</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">284&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">87&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">534&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">97&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(75)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">77&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">145&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">54&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other accumulated comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(33)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">114&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(21)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Rest of equity</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">7,228&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,581&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">422&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">445&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">300&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">333&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">589&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">446&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">443&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">360&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">137&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total Equity</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">7,501</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,597</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">509</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">946</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">392</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">430</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">628</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">522</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">463</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">484</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">195</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total liabilities and equity</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">13,459</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,414</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,341</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">22,624</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,304</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">780</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">9,273</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">5,687</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,100</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,867</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,231</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid 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Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">658&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">457&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4,559&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">568&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">163&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">499&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">426&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">159&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">907&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">312&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Profit (loss) from continuing operations</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">284&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">87&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">534&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">97&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(75)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">77&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">145&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">54&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Profit (loss) for the year from discontinuing operations</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Data as of 31 December 2024, latest accounts available.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for interests in other entities.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of Significant Investments In Associates and Joint Ventures [Abstract]</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Insurance contracts linked to pensions<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsAbstract', window );"><strong>Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfInsuranceContractsLinkedToPensionsTextBlock', window );">Insurance contracts linked to pensions</a></td>
<td class="text">Insurance contracts linked to pensions <div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Insurance contracts linked to pensions in the consolidated balance sheets 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:93.622%"><tr><td style="width:1.0%"></td><td style="width:52.518%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.360%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.360%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets relating to insurance contracts covering post-employment benefit plan obligations:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">67&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">67</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">81</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">93</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Liabilities under insurance contracts<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsAbstract', window );"><strong>Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInsuranceContractsExplanatory', window );">Liabilities under insurance contracts</a></td>
<td class="text">Liabilities under insurance contracts<div style="margin-bottom:9pt;margin-top:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Liabilities under insurance contracts and reinsurance assets in the consolidated balance sheets (see                              note&#160;2.i) is as follows:</span></div><div style="margin-bottom:9pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.162%"><tr><td style="width:1.0%"></td><td style="width:41.294%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.288%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.582%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.436%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities under insurance contracts</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,737</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,829</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,799</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Liability for Remaining Coverage (LRC)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,291&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,377&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,333&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Liabilities relating to insurance contracts measured under BBA/VFA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,194&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,292&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,262&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Current value of future cashflows (PVFCF)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">17,461&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,614&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,627&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Risk adjustment for non-financial risk (RA)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">186&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">199&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">211&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Contractual service margin (CSM)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">547&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">479&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">424&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Liabilities relating to insurance contracts measured under PAA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">97&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">85&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Liability for incurred claims (LIC)</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">446&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">452&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">466&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;margin-top:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The balance of liabilities under insurance contracts reflected in the consolidated balance sheet includes the following elements:</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Liability for Remaining Coverage (LRC): amount of obligations provisioned to meet the fulfilment of future services assigned to the group on a date for a specific coverage period.</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.6pt">Liabilities relating to insurance contracts measured under BBA/VFA, formed from the sum of the following elements:</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">-</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt">Current value of future cashflows (PVFCF): present value of future inflow and outflow cash flows weighted by their probability of occurrence.</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">-</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt">Risk adjustment for non-financial risk (RA): reflects compensation for the uncertainty of cash flows by quantifying the amount necessary to compensate for unexpected losses in liability flows.</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">-</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt">Contractual service margin (CSM): future benefit to be recognized during the coverage period. </span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.6pt">Liabilities relating to insurance contracts measured under PAA, valued using the premium allocation method, represent the portion of premiums written for the remaining hedge net of acquisition expenses.</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Liability for Incurred Claims (LIC): amount of obligations provisioned to meet the fulfilment of past services assigned to the group on a date. </span></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The insurance activity is carried out mainly in the life insurance sector in its life-savings modality. Within the amount of liabilities for insurance contracts, Individual Life Annuities are the product that has the greatest weight in the consolidated balance sheet. This product consists of life annuities where the client contributes a single premium and receives a constant and periodic insured income (monthly, quarterly, semi-annual or annual) until his death where, at that time, the beneficiaries will receive the insured capital of 102% or 101% of the premium contributed. </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:130%">The income and expenses recorded in the profit and loss account for the insurance activity, including reinsurance income and expenses, are not material in the Group's consolidated annual accounts.</span></div></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for insurance contracts.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Section Disclosure<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;doctype=Standard&amp;dita_xref=IFRS17_g93-132_TI<br> -URIDate 2025-03-27<br></p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Tangible assets<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentAbstract', window );"><strong>Property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfPropertyPlantAndEquipmentExplanatory', window );">Tangible assets</a></td>
<td class="text">Tangible assets<div style="margin-bottom:6pt;padding-right:263.62pt"><span id="i0340b9d2788b4c1899c6ed0bceebd85f"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Changes</span></div><div style="padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in Tangible assets in the consolidated balance sheets were as follows:</span></div><div style="margin-top: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:26.587%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.178%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.969%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.389%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.736%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.973%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Tangible assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Of which: <br/>For leasing</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">For&#160;own&#160;use</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Leased out&#160;under<br/>an&#160;operating<br/>lease</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Investment<br/>property</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">For&#160;own&#160;use</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Leased out&#160;under<br/>an&#160;operating<br/>lease</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Investment<br/>property</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Balance at 1 January 2023</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,570&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,166&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,580&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,316&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,692&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,692&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Additions / disposals (net) due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Additions / disposals (net)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,122&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">742&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(34)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,830&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">125</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">125&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfers, exchange differences and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,460)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(641)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,071)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 31 December 2023</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">26,243</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">25,304</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,576</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,123</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,837</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,837</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Additions / disposals (net) due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,192)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,164)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Additions / disposals (net)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">730&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,716)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(17)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,003)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">179</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">179&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfers, exchange differences and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,345)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,003&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(104)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(446)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(235)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(235)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 31 December 2024</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">25,656</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">23,399</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,455</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">50,510</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,781</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,781</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Additions / disposals (net) due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Additions / disposals (net)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">326&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,603)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(58)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,335)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(40)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(40)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfers, exchange differences and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,845)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,743)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">188&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,400)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(450)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(450)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 31 December 2025</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">24,141</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,053</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,592</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">44,786</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,291</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,291</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">Accumulated depreciation</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Balances at 1 January 2023</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12,892)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,578)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(172)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(18,642)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,265)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,265)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">284&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,540&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,824&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Charge for the&#160;year</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,689)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,700)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(580)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(580)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfers, exchange differences and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,653&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,744)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,107)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;Balance at 31 December 2023</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12,637)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5,782)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(199)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(18,618)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,609)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,609)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Disposals due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">686&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">686&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">672&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,214&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,886&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">196&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">196&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Charge for the&#160;year</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,544)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,553)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(460)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(460)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfers, exchange differences and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">890&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,902)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,966)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">59&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">59&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at 31 December 2024</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12,619)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,784)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(162)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(17,565)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,814)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,814)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Disposals due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">663&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,428&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,091&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Charge for the&#160;year</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,323)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,331)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(405)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(405)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfers, exchange differences and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,917)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(799)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">381&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">381&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 31 December 2025</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12,129)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,273)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(202)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(16,604)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,661)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,661)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"> Includes contract extensions on operating leases and repurchases.</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:27.913%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.736%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.380%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.389%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.620%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.736%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.825%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Tangible assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Of which: <br/>For leasing</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">For&#160;own&#160;use</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Leased out&#160;under<br/>an&#160;operating<br/>lease</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Investment<br/>property</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">For&#160;own&#160;use</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Leased out&#160;under<br/>an&#160;operating<br/>lease</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Investment<br/>property</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Impairment losses</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 1 January 2023</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(189)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(33)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(379)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(601)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment charge for the&#160;year</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(113)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(29)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(154)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Releases</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at 31 December 2023</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(198)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(421)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(623)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 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:105%">(45)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(45)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Impairment charge for the&#160;year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(276)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(70)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(81)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(427)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Releases</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 31 December 2024</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(401)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(39)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(418)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(858)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 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:105%">(49)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(49)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Impairment charge for the&#160;year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(172)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(79)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(266)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(41)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(41)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Releases</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">166&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at 31 December 2025</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(349)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(27)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(368)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(744)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 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:105%">(74)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(74)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tangible assets, net</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balances at 31 December 2023</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,408&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,518&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">956&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,882&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,183&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,183&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Balances at 31 December 2024</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,636&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,576&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">875&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,087&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,918&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,918&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balances at 31 December 2025</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,663</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,753</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,022</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">27,438</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,556</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,556</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;margin-top:9pt;padding-right:263.62pt"><span id="ie70e308cec65483b850a98316c6d2a29"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Tangible assets - For own use</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by class of asset, of 'Property, plant and equipment' which is owned by the Group in the consolidated balance sheets is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:15pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:48.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.754%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Tangible assets for own use</span></div></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Of which: <br/>for leasing</span></td></tr><tr style="height:21pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Accumulated<br/>depreciation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Impairment<br/>losses</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Carrying<br/>amount</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Land and buildings</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,973&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,010)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(154)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,809&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,104&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">IT equipment and fixtures</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,614&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,154)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,460&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Furniture and vehicles</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,412&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,424)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,988&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Construction in progress and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">244&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(49)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(44)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">151&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 31 December 2023</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">26,243</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12,637)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(198)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,408</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,183</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Land and buildings</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,113&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,516)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(353)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,244&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,882&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">IT equipment and fixtures</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,283&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,926)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,357&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Furniture and vehicles</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,963&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,130)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,833&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Construction in progress and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">297&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(47)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(48)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">202&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 31 December 2024</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">25,656</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12,619)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(401)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,636</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,918</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Land and buildings</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,067&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,359)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(304)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,404&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,536&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">IT equipment and fixtures</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,204&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,003)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,191&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Furniture and vehicles</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,548&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,746)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,801&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Construction in progress and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">322&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(34)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">267&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 31 December 2025</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">24,141</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12,129)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(349)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,663</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,556</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The carrying amount at 31 December 2025 in the foregoing table includes the following approximate amounts EUR 6,545 million (EUR 6,531 million at 31 December 2024 and EUR 7,119 million at 31 December 2023) relating to property, plant and equipment owned by group entities and branches located abroad.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="ie44cf85f37334d84a1cbcb2c9720d4fa"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Tangible assets - Leased out under an operating lease</span></div><div style="margin-bottom:9pt;margin-top:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander has assets leased out under operating leases where the company is the lessor and do not meet the accounting requirements to be classified as finance leases. The net cost of these leases is recorded as an asset and depreciated on a straight-line basis over the contractual term of the lease to the expected residual value.</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:130%">The expected residual value and, consequently, the monthly depreciation expense may change during the term of the lease. The Group estimates expected residual values using independent data sources and internal statistical models. It also assesses the estimate of the residual value of these leases and adjusts the depreciation rate in line with the change in the expected value of the asset at the end of the lease.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander periodically assesses its investment in operating leases for impairment in certain circumstances, such as a systemic and material decrease in the values of used vehicles. If assets leased out under operating leases are deemed to be impaired, impairment is measured as the amount by which the carrying amount of the assets exceeds the fair value as estimated by discounted cash flows.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Of the 14,753 EUR million that the Group had assigned to operating leases at 31 December 2025 (18,576 EUR and 19,518 EUR at 31 December 2024  and 2023, respectively), EUR 7,227 million (EUR 11,336 and EUR 12,525 at 31 December 2024 and 2023, respectively) relate to vehicles of Santander US Auto's business. The variable lease payments of various items of this business are not significant.</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:130%">In addition, the maturity analysis of the assets leased out under operating leases from Santander US Auto, 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:84.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Maturity Analysis</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,988&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2026</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,228&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2027</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,332&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2028</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">330&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="ib69bf162a10d4e59976880d4d60982d1"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Tangible assets - Investment property</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:130%">The fair value of investment property at 31 December 2025, 2024, 2023 amounted to EUR 1,194, 1,041 and 1,163 million, respectively. A comparison of the fair value of investment property at 31 December 2025, 2024 and 2023 with the net book value shows gross unrealised gains of EUR 172, 166 and 207 million, respectively, attributed completely to the group.</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:130%">The rental income earned from investment property and the direct costs related both to investment properties that generated rental income in 2025, 2024 and 2023 and to investment properties that did not generate rental income in those years are not material in the context of the consolidated financial statements.</span></div></div></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for property, plant and equipment.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Section Disclosure<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;doctype=Standard&amp;dita_xref=IAS16_g73-79_TI<br> -URIDate 2025-03-27<br></p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Intangible assets - Goodwill<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfGoodwillExplanatory', window );">Intangible assets - Goodwill</a></td>
<td class="text">Intangible assets &#8211; Goodwill<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of goodwill, based on the cash-generating units giving rise thereto, 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:59.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.173%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Banco Santander (Brasil) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,031&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,079&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,679&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">SAM Investment Holdings Limited</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,444&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,444&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,444&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Consumer Germany</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,304&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,304&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,304&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Portugal</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,040&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,040&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,040&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Espa&#241;a</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">998&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">998&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">998&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander US Auto</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">943&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,068&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,003&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Holding USA (ex. Auto)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">765&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">865&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">814&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander UK</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">609&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">641&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">612&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander - Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">470&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">482&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">516&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Grupo Financiero Santander (M&#233;xico)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">463&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">453&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">523&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ebury Partners</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">326&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">340&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">350&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Consumer Nordics</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">211&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">211&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">206&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Bank Polska</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,178&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,159&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">354&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">335&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">369&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Goodwill</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,958</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,438</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,017</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:10.91pt"><span><br/></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:130%">The changes in goodwill were 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.690%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.097%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,438&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,017&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,741&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Additions</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Ebury Partners</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfer to Assets held for sale (Notes 3 y 12)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,176)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(291)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(605)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">240&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at end of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,958</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,438</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,017</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;text-indent:10.91pt"><span><br/></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:130%">Grupo Santander has goodwill generated by cash-generating units located in non-euro currency countries (mainly Brazil, Poland, the United States, the United Kingdom, Chile, Mexico, Norway and Sweden) and, therefore, this gives rise to exchange differences on the translation to euros, at closing rates, of the amounts of goodwill denominated in foreign currencies. Accordingly, in 2025 there was a decrease of EUR 291 million (a decrease of EUR 605 million in 2024 and an increase of EUR 240 million in 2023), due to exchange differences and other items which, pursuant to current standards, were recognised with a change to 'Other comprehensive income - Items that may be reclassified to profit or loss - Exchange differences in other comprehensive income in the consolidated statement of recognised income and expense' (see note 29.d).</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:130%">At least once per year (or whenever there is any indication of impairment), Grupo Santander performs an analysis of the potential impairment of its recorded goodwill with respect to its recoverable amount. The first step that must be taken in order to perform this analysis is the identification of the cash-generating units, which are the Group's smallest identifiable groups of assets that generate cash inflows that are largely independent of the cash flows of other assets or groups of assets.</span></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The amount to be recovered of each cash-generating unit is determined taking into consideration the carrying amount (including any fair value adjustment arising on the business combination) of all the assets and liabilities of all the independent legal entities composing the cash-generating unit, together with the related goodwill.</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:130%">The amount to be recovered of the cash-generating unit is compared with its recoverable amount in order to determine whether there is any impairment.</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:130%">Grupo Santander assesses the existence of any indication that might be considered to be evidence of impairment of the cash-generating unit by reviewing information including the following (i)&#160;certain macroeconomic variables that might affect its investments (population data, political situation, economic situation&#160;&#8212;including banking concentration level&#8212;, among others) and (ii)&#160;various microeconomic variables comparing the investments of the Group with the financial services industry of the country in which the cash-generating unit carries on most of its business activities (balance sheet composition, total funds under management, results, efficiency ratio, capital adequacy ratio, return on equity, among others).</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:130%">Regardless of whether there is any indication of impairment, every&#160;year the Group calculates the recoverable amount of each cash-generating unit to which goodwill, has been allocated and, to this end, it uses price quotations, market references (multiples), internal estimates and valuations performed by internal and external experts.</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:130%">Firstly, the Group determines the recoverable amount by calculating the fair value of each cash-generating unit on the basis of the quoted price of the cash-generating units, if available.</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:130%">In addition, the Group performs estimates of the recoverable amounts of certain cash-generating units by calculating their value in use using discounted cash flow projections. The main assumptions used in this calculation are (i)&#160;earnings projections based on the financial budgets approved by the Group&#8217;s directors which cover between <span style="-sec-ix-hidden:f-4539">three</span> and five year periods (unless a longer time horizon can be justified), (ii)&#160;discount rates determined as the cost of capital taking into account the risk-free rate of return plus a risk premium in line with the market and the business in which the units operate and (iii)&#160;constant growth rates used in order to extrapolate earnings in perpetuity which do not exceed the long-term average growth rate for the market in which the cash-generating unit in question operates.</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:130%">The cash flow projections used by Group management to obtain the values in use are based on the financial budgets approved by both local management of the related local units and the Group&#8217;s directors. The Group&#8217;s budgetary estimation process is common for all the cash-generating units. The local management teams prepare their budgets using the following key assumptions:</span></div><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a)&#160;&#160;&#160;&#160;Microeconomic variables of the cash-generating unit: management takes into consideration the current balance sheet structure, the product mix and the business decisions taken by local management in this regard.</span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b)&#160;&#160;&#160;&#160;Macroeconomic variables: growth is estimated on the basis of the changing environment, taking into consideration expected GDP growth in the unit&#8217;s geographical location and forecast trends in interest and exchange rates. These data, which are based on external information sources, are provided by the Group&#8217;s economic research service.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c)&#160;&#160;&#160;&#160;Past performance variables: in addition, management takes into consideration in the projection the difference (both positive and negative) between the cash-generating unit&#8217;s past performance and budgets.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">During 2025, the Group has recognised impairment losses of EUR 4 million of immaterial goodwill that has been recorded under the heading 'Impairment or reversal of the impairment of non-financial assets - Intangible assets' (EUR 4 million and EUR 20 million in 2024 and 2023, respectively). Goodwill is deducted from CET1 for regulatory purposes, so an impairment of goodwill has no impact on the Group's capital ratios.</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:130%">Following is a detail of the main assumptions taken into account in determining the recoverable amount, at 2025 year-end, of the most significant cash-generating units which were valued using the discounted cash flow method:</span></div></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:51.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.754%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Projected period</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Discount rate</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Nominal<br/>perpetual<br/>growth&#160;rate</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Santander UK</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5 years</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.4</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander US Auto</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3 years</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.5</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.0%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Santander Holding USA (ex. Auto)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5 years</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.6</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.5%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Consumer Germany</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5 years</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.5</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">SAM Investment Holdings, Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5 years</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.5</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Portugal</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5 years</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.6</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5%</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Post-tax discount rate.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Weighted information of the main assumptions of the segments to which goodwill has been allocated.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The discount and nominal perpetual growth rates taken into account in 2024 and 2023 are presented below for comparison purposes:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:51.492%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.755%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Discount rate</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Nominal<br/>perpetual<br/>growth&#160;rate</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Santander UK</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.8</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.9</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Bank Polska</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.9</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.2</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.0</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.0</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander US Auto</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.2</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.8</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.0</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.0</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Santander Holding USA (ex. Auto)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.4</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.4</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.5</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.5</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Consumer Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.1</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.7</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.0</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">SAM Investment Holdings, Limited</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.6</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.6</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Portugal</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.2</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.2</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Post-tax discount rate.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Weighted information of the main assumptions of the segments to which goodwill has been allocated.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The variations reflected in the assumptions used in 2025 are mainly a consequence of the current macroeconomic scenario, as well as the level of inflation.</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:130%">Given the degree of uncertainty of the above key assumptions on which the recoverable amount of the cash-generating units is based, the Group performs a sensitivity analysis which consisted of adjusting  +/- 50 basis points  the discount rate, adjusting +/- 50 basis points  the growth rate in perpetuity and reducing the cash flow projections by 5%. These changes in the key assumptions in isolation mean that the recoverable amount of all the cash-generating units continues to exceed their amount to be recovered and have been considered by the Group as reasonably possible changes in the business operations of the cash-generating units are not contemplated.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The recoverable amount of Banco Santander - Chile and Banco Santander (Brasil) was calculated as the fair values of the aforementioned cash-generating units obtained from the quoted market prices of their shares at year-end. This value exceeded the amount to be recovered. A significant reduction in the quoted market prices of these cash generating unit could result in an indication of impairment which in turn may lead to a goodwill impairment charge in the future.</span></div></div></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of goodwill. [Refer: Goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Intangible assets - Other intangible assets<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwillAbstract', window );"><strong>Intangible assets other than goodwill [abstract]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfIntangibleAssetsExplanatory', window );">Intangible assets - Other intangible assets</a></td>
<td class="text">Intangible assets - Other intangible assets<div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Intangible assets&#160;- Other intangible assets in the consolidated balance sheets and of the changes therein in 2025, 2024, and 2023 is as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:22.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.238%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Estimated<br/>useful&#160;life</span></td><td colspan="3" style="padding:2px 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:105%">1 January 2025</span></td><td colspan="3" style="padding:2px 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:105%">Net&#160;<br/>additions<br/>and<br/>disposals</span></td><td colspan="3" style="padding:2px 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:105%">Change&#160;in<br/>scope&#160;of<br/>consolidation</span></td><td colspan="3" style="padding:2px 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:105%">Amortization<br/>and<br/>impairment</span></td><td colspan="3" style="padding:2px 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:105%">Application&#160;of<br/>amortization<br/>and<br/>impairment</span></td><td colspan="3" style="padding:2px 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:105%">Exchange<br/>differences<br/>and&#160;other</span></td><td colspan="3" style="padding:2px 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:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,261&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,714&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,286)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,179)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,490&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Brand names</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">IT developments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3-10 years</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,322&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,713&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,286)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,084)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,658&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,907&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(95)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,800&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Accumulated amortisation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9,235)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,228&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">795&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9,047)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Development</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8,312)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,715)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,228&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">723&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8,070)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(923)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(132)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">72&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(977)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment losses</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(205)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(108)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">162&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(93)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which addition</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(108)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Of which Liberation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,821</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,714</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(8)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,955)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(222)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,350</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:22.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.386%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Estimated<br/>useful&#160;life</span></td><td colspan="3" style="padding:2px 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:105%">1 January 2024</span></td><td colspan="3" style="padding:2px 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:105%">Net&#160;<br/>additions<br/>and<br/>disposals</span></td><td colspan="3" style="padding:2px 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:105%">Change&#160;in<br/>scope&#160;of<br/>consolidation</span></td><td colspan="3" style="padding:2px 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:105%">Amortization<br/>and<br/>impairment</span></td><td colspan="3" style="padding:2px 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:105%">Application&#160;of<br/>amortization<br/>and<br/>impairment</span></td><td colspan="3" style="padding:2px 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:105%">Exchange<br/>differences<br/>and&#160;other</span></td><td colspan="3" style="padding:2px 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:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,773&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,104&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,169)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(439)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,261&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Brand names</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">IT developments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3-10 years</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,867&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,104&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,169)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(472)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,322&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,866&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,907&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Accumulated amortisation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8,851)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,626)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,062&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">174&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9,235)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Development</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8,078)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,546)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,062&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">244&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8,312)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(773)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(80)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(70)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(923)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment losses</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(68)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(227)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">107&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(17)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(205)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which addition</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(227)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Of which Liberation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,854</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,104</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,853)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(282)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,821</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.575%"><tr><td style="width:1.0%"></td><td style="width:22.674%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.369%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.261%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.369%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.449%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.152%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.746%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.815%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.265%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Estimated<br/>useful&#160;life</span></td><td colspan="3" style="padding:2px 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:105%">1 January 2023</span></td><td colspan="3" style="padding:2px 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:105%">Net&#160;<br/>additions<br/>and<br/>disposals</span></td><td colspan="3" style="padding:2px 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:105%">Change&#160;in<br/>scope&#160;of<br/>consolidation</span></td><td colspan="3" style="padding:2px 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:105%">Amortization<br/>and<br/>impairment</span></td><td colspan="3" style="padding:2px 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:105%">Application&#160;of<br/>amortization<br/>and<br/>impairment</span></td><td colspan="3" style="padding:2px 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:105%">Exchange<br/>differences<br/>and&#160;other</span></td><td colspan="3" style="padding:2px 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:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,502&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,197&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">176&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(230)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">128&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,773&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Brand names</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">IT developments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3-10 years</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,721&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,197&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(196)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">127&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,867&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,748&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(32)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,866&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Accumulated amortisation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,554)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,386)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(125)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8,851)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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#9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,294)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(95)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8,078)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(688)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(92)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(30)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(773)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment losses</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(44)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(53)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(68)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:105%">Of which addition</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(53)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:105%">Of which Liberation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,904</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,197</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">181</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,439)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,854</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>In 2025, 2024 and 2023, impairment losses of EUR 108 million, EUR 227 million and EUR 53 million, respectively, were recognised under Impairment or reversal of impairment on non-financial assets, net &#8211; intangible assets. This impairment losses are related mainly to the decline in or loss of the recoverable value of certain computer systems and applications as a result of the processes initiated by the Group to transform or integrate businesses and to adapt to the various regulatory changes<span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other assets<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MiscellaneousAssetsAbstract', window );"><strong>Miscellaneous assets [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherAssetsExplanatory', window );">Other assets</a></td>
<td class="text">Other assets<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of 'Other' of 'Other assets' 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:93.007%"><tr><td style="width:1.0%"></td><td style="width:57.509%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.800%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.145%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.146%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Transactions in transit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">364&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">469&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">246&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net pension plan assets (note&#160;25)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">784&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,001&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Prepayments and accrued income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,121&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,016&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,911&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,376&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,310&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,598&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,645</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,472</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,756</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of other assets. [Refer: Other assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfOtherAssetsExplanatory</td>
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<td>na</td>
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<td><strong> Period Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MiscellaneousAssetsAbstract</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Deposits from central banks and credit institutions<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DepositsFromCentralBanksAndCreditInstitutionsAbstract', window );"><strong>Deposits From Central Banks And Credit Institutions [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDepositsFromBanksExplanatory', window );">Deposits from central banks and credit institutions</a></td>
<td class="text">Deposits from central banks and credit institutions<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by classification, counterparty, type and currency, of 'Deposits from central banks' and 'Deposits from credit institutions' in the consolidated balance sheets 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:98.242%"><tr><td style="width:1.0%"></td><td style="width:53.758%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.947%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.947%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.948%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">CENTRAL BANKS</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Classification</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,385&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,300&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,808&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,086&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,774&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,542&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,882&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,782&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">34,013</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">39,956</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">57,799</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Type</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deposits on demand</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">856&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">405&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Time deposits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,709&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,488&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,853&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,448&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,063&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,829&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">34,013</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">39,956</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">57,799</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">CREDIT INSTITUTIONS</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Classification</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,058&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,284&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,862&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,424&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,625&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,735&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">74,692&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">90,012&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">81,246&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">103,174</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">117,921</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">100,843</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Type</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deposits on demand</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,005&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,657&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,468&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Time deposits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,718&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">54,716&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">54,402&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,186&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">56,273&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40,689&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Subordinated deposits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">265&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">275&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">284&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">103,174</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">117,921</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">100,843</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Currency</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Euro</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">54,588&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,779&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,921&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pound sterling</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,625&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,853&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,697&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US dollar</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,466&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57,992&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">49,447&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazilian real</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,783&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,459&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,997&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other currencies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,725&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,794&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,580&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">137,187</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">157,877</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">158,642</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:8.6pt;font-weight:400;line-height:130%">At 31 December 2025 and 2024, no conditional long-term financing of the European Central Bank (TLTRO- Targeted Long-Term Refinancing Operation-) was outstanding. As of 2023, the balance of such financing amounted to EUR 11,583 million, all corresponding to the TLTRO III financing program. </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:130%">At 31 December 2025, no expense has been recognized in the consolidated income statement corresponding to TLTRO III (expenses of EUR 158 million and EUR 659 million at 31 December 2024 and 2023, respectively, as a result of the conditions of the financing programme).</span></div>Note&#160;51 contains a detail of the residual maturity periods of financial liabilities at amortised cost<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of deposits from banks. [Refer: Deposits from banks]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deposits From Banks [Abstract]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Customer deposits<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomersAbstract', window );"><strong>Deposits from customers [abstract]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDepositsFromCustomersExplanatory', window );">Customer deposits</a></td>
<td class="text">Customer deposits<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by classification, geographical area and type, of Customer deposits 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:49.517%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Classification</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,120&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,984&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,837&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,930&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,407&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,052&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities<br/>at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">979,150&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,011,545&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">995,280&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,041,200</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,055,936</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,047,169</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Geographical area</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">437,855&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">395,479&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">388,736&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of Europe</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">323,854&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">377,057&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">366,165&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">of which: United Kingdom</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">228,810&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">233,192&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">235,698&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of America</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">279,491&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">283,400&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">292,268&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">of which: United States </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82,321&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88,712&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">83,555&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of the world</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,041,200</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,055,936</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,047,169</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Type</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Demand deposits-</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">646,125&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">677,818&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">661,262&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Time deposits-</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">296,797&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">298,276&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">305,296&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deposits redeemable at notice</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,487&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,525&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,789&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Repurchase agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96,791&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">78,317&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">78,822&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,041,200</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,055,936</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,047,169</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">According to the geography of the legal entity.</span></div><div style="text-indent:6.66pt"><span><br/></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:130%">Note&#160;51 contains a detail of the residual maturity periods of financial liabilities at amortised cost.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of deposits from customers. [Refer: Deposits from customers]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Marketable debt securities<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfMarketDebtSecuritiesTextBlock', window );">Marketable debt securities</a></td>
<td class="text">Marketable debt securities<div style="margin-bottom:6pt;margin-top:6pt"><span id="i03474f18b154408e879f426e609f26fd"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown</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:130%">The detail, by classification and type, of Marketable debt securities is as follows:</span></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:49.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Classification</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities<br/>held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated<br/>at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,686&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,554&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,371&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities<br/>at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">312,704&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">317,967&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">303,208&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">324,390</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">325,521</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">308,579</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Type</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Bonds and debentures outstanding</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">253,893&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">252,765&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">231,880&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Subordinated</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,859&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,461&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,529&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Notes&#160;and other securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,638&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37,295&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,170&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">324,390</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">325,521</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">308,579</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">The distribution of the book value of debt securities issued by contractual maturity at 31 December 2025 is shown below:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:25.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.198%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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:2px 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:105%">Within 3 months</span></td><td colspan="3" style="padding:2px 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:105%">3 to 12<br/>months</span></td><td colspan="3" style="padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">More&#160;than&#160;5<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Subordinated debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">798</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,760</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,277</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,859</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Senior unsecured debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,509</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,643</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,461</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,465</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,618</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">145,696</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Senior secured debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,529</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,308</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,661</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,106</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,593</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">108,197</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Promissory notes and other securities</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,747</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,060</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">335</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">170</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">326</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,638</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt securities issued</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">39,785</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">49,809</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">97,217</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">65,018</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">72,561</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">324,390</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The distribution by contractual maturity of the notional amounts of these debt securities issued at 31 December 2025 is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:25.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.198%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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:2px 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:105%">Within 3 months</span></td><td colspan="3" style="padding:2px 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:105%">3 to 12<br/>months</span></td><td colspan="3" style="padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">More&#160;than&#160;5<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Subordinated debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">790</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,744</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,255</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,926</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,715</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Senior unsecured debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,056</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,654</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50,189</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,089</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,469</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">143,457</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Senior secured debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,038</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,110</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,467</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,116</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,513</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">107,244</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Promissory notes and other securities</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,709</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,042</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">299</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">154</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">312</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,516</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt securities issued</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">38,803</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">48,596</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">95,699</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">64,614</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">72,220</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">319,932</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;margin-top:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span id="i9f3292e39ad04b86b357024adefd2a96"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:119%">b) Bonds and debentures outstanding&#160;&#160;&#160;&#160;</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by currency of issue, of  'Bonds and debentures outstanding' is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.606%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td><td colspan="6" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Currency of issue</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Outstanding issue amount in foreign currency (Million)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Annual<br/>interest rate (%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Euro</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117,350</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 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:105%">110,973</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 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:105%">101,657</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117,350</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.72%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">US dollar</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71,140</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">79,740</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">70,229</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">83,632</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.73%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Pound sterling</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,548</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">23,961</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">20,520</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,301</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.14%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Brazilian real</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,848</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">18,683</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">21,861</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">141,089</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.21%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Chilean peso</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,697</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">4,579</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">4,921</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,977,648</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.61%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other currencies</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,310</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">14,829</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">12,692</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at end of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">253,893</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">252,765</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">231,880</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr></table></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:130%">The changes in 'Bonds and debentures outstanding' were 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:75.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.754%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">Balance at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">252,765</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">231,880</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">211,597</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Net inclusion of entities in the Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(1,224)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(1,467)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">SPIRE SA Compartment 2023-374</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(1,224)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Auto ABS UK Loans PLC</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(841)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">PSA Bank Deutschland GmbH</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(626)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">Issues</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">72,014</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">77,921</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">68,568</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander, S.A. </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">12,682&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">20,559&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">19,706&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander (Brasil) S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">11,827&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">8,039&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">12,781&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Group UK</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">11,450&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">9,884&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">6,002&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumer USA Holdings Inc.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">8,705&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">8,949&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">7,309&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander International Products, Plc.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">5,071&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">2,752&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,054&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Stellantis Financial Services Italia S.p.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">2,020&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">2,021&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">761&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumer Bank S.p.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,799&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,001&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,460&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Holdings USA, Inc.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,772&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">3,004&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,850&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Fondo de Titulizaci&#243;n, Santander Consumo 8</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,523&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Fondo de Titulizaci&#243;n, Santander Consumo 9</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,421&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander - Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,204&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,171&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">814&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Finance, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,181&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">2,271&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">2,557&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander Totta, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,069&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,129&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,734&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Bank, National Association</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">853&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">4,133&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,346&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">SC Germany S.A., Compartment Consumer 2025-2</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">850&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">SC Austria S.&#224; r.l., Compartment Consumer 2025-1</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">803&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Secucor Finance 2025-1 Designated Activity Company</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">801&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">787&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">875&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">634&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Hyundai Capital Bank Europe GmbH Italy</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">749&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banque Stellantis France</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">728&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">897&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,145&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumer Bank AG</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">180&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,256&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">SC Germany S.A., Compartment Consumer 2024-1</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,500&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumo 6, F.T.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,230&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumo 7, F.T.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,218&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Bank Polska S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,002&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,102&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">SC Germany S.A., Compartment Consumer 2024-2</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,000&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">Redemptions and repurchases</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">(60,335)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">(57,676)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">(48,825)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(14,854)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(15,888)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(7,889)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander (Brasil) S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(9,430)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(6,919)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(10,542)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumer USA Holdings Inc.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(7,905)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(10,806)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(14,466)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Group UK</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(4,936)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(7,764)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(6,185)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumer Finance, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(2,743)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(2,900)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(1,800)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Holdings USA, Inc.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(2,693)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(1,387)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Bank, National Association</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(2,648)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(1,440)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(567)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(2,084)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(122)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(140)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander - Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(1,930)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(1,486)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(575)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander International Products, Plc.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(1,327)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(584)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(728)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumer Bank S.p.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(1,327)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(233)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumer Bank AS</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(1,174)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(839)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(681)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banque Stellantis France</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(746)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(565)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(813)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Stellantis Financial Services Italia S.p.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(698)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(22)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander Totta, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(223)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(1,055)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(108)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Exchange differences and other movements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(10,551)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">1,864&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">2,007&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">Balance at&#160;year-end</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">253,893</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">252,765</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">231,880</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i0a37cf9ba39947ebabd1d34b9996b9e0"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Notes and other securities</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:130%">The notes of the Group (see Note 22.a) were issued basically by Santander Consumer Finance, S.A., Santander UK plc, Banco Santander (M&#233;xico), S.A. Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico, Banco Santander, S.A., Santander Consumer Bank AG, Banque Stellantis France, Banco Santander -Chile and Banco Santander S.A. - Uruguay.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i8023adbc3c0740689b44ec0e2ff4f518"></span><span style="background-color:#ffffff;color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Guarantees</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:130%">Set forth below is information on the liabilities secured by assets:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:51.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.643%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Asset-backed securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,031&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49,723&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37,717&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which, mortgage-backed securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5,961&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,377&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,019&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other mortgage securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,438&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50,141&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49,478&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which: mortgage-backed bonds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22,624&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,631&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24,619&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Covered bonds (non mortgage and export financing)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,728&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">995&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">764&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">108,197</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">100,859</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">87,959</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">The main characteristics of the assets securing the aforementioned financial liabilities are as follows:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">1.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.44pt">Asset-backed securities</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt">Mortgage-backed securities- these securities are secured by mortgage assets (see Note&#160;10.e) with average maturities of more than ten years that must: be a first mortgage for acquisition of principal or second residence, be current in payments, have a loan-to-value ratio below 80% and have a liability insurance policy in force covering at least the appraisal value. The value of the financial liabilities broken down in the foregoing table is lower than the balance of the assets securing them&#160;&#8212;securitised assets retained on the balance sheet&#8212; mainly because the Group repurchases a portion of the bonds issued, and in such cases they are not recognised on the liability side of the consolidated balance sheet.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt">Other asset&#160;- backed securities: includes asset-backed securities, notes issued by securitization funds collateralized mainly by mortgage loans that do not meet the above requirements and other loans (mainly personal loans with an average maturity of five years and loans to SMEs with average maturities of seven years) and private issues of Santander Consumer USA Holdings Inc. collateralized by vehicles assigned under operating leases.</span></div></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">2.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.44pt">Other mortgage securities include mainly: </span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt">Mortgage-backed bonds with average maturities of more than ten years that are secured by a portfolio of mortgage loans and credits (included in secured loans&#160; &#8212;see note&#160;10.b&#8212;) which must: not be classified as of procedural stage; have available appraisals performed by specialised entities; have a loan-to-value (LTV) ratio below 80% in the case of home loans and below 60% for loans for other assets and have sufficient liability insurance.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt">Other debt securities issued as part of the Group&#8217;s liquidity strategy in the UK, mainly covered bonds in the UK secured by mortgage loans and other assets.</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:130%">Grupo Santander has a balance corresponding to mortgage bonds at 31 December 2025 of EUR 22,624 million (all of them issued in euros), which correspond to issues of Banco Santander, S.A. (with an outstanding face value of EUR 22,360 million).</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:130%">The issuing entity may repay the mortgage bonds early, if this has been expressly established in the final conditions of the issue in question and in the conditions established there. </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:130%">None of the mortgage bonds issued by Banco Santander have replacement assets involved.</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:130%">During 2023, the Bank of Spain has published Circular 1/2023 of 4 February , which modifies Circular 4/2017, repealing the breakdown in the annual accounts and the information related to internal accounting development and management control.</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:130%">Additionally, Banco Santander, S.A. issues internationalization certificates, which are securities whose capital and interest are guaranteed by loans and credits that are linked to the financing of export contracts or the internationalization of companies. </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:130%">The fair value of the guarantees received by the Group (financial and non-financial assets) which the Group is authorised to sell or pledge even if the owner of the guarantee has not defaulted is scantly material taking into account the Consolidated financial statements as a whole.</span></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Subordinated liabilities<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSubordinatedLiabilitiesExplanatory', window );">Subordinated liabilities</a></td>
<td class="text">Subordinated liabilities<div style="margin-bottom:6pt;margin-top:3pt;padding-right:263.62pt"><span id="ibf215cc2b27e4246bacfb045ee1ff0a4"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown</span></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by currency of issue, of Subordinated liabilities, deposits and marketable debt securities,  in the consolidated balance sheets is as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:42.307%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.496%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td><td colspan="6" style="padding:2px 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:105%">2025</span></td></tr><tr style="height:16pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Outstanding issue amount in foreign currency (million)</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Annual interest rate (%)</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 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:105%">Currency of issue</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Euro</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,402</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 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:105%">14,999</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 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:105%">13,684</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,402</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.55%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">US dollar</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,750</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">13,425</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">11,300</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,462</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.53%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Brazilian real</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,354</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">3,600</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">2,518</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,117</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.30%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Pound sterling</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,347</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">1,409</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">1,353</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,176</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.28%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other currencies</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,434</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">2,380</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">2,057</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7.75pt 0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7.75pt 0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">29,287</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">35,813</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">30,912</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Note 51 contains a detail of the residual maturity periods of subordinated liabilities at each year-end.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i0dad061466ca4bd289193a838b32d01d"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Changes</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:130%">The movement in the balance of subordinated liabilities in the last three&#160;years were 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:58.776%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.173%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at beginning of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,813&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,912&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,926&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net inclusion of entities in the Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(40)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Issuances</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,287&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,001&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,007&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,862&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,625&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,610&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander (Brasil) S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">375&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,338&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,112&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banque Stellantis France</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Redemptions and repurchases</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,110)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,572)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,781)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(6,754)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,433)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,000)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Santander UK Group Holdings plc</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(352)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Santander Bank Polska S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(100)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Santander UK plc</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(702)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banque Stellantis France</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(78)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other movements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,703)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">472&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(200)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">29,287</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">35,813</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,912</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:22pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">The balance rel</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">ating to issuances, r</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">edemptions and repurchases (EUR 4,823 million), together with the interest paid in remuneration of these issuances including PPCC (EUR 1,560 million), is included in the cash flow from financing activities.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span id="i6dc0c66d71ce46279e7d2e4cc33185d1"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Other disclosures </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:130%">This caption includes contingent convertible or redeemable preferred participations, as well as other subordinated financial instruments issued by consolidated companies, which do not qualify as equity (preferred shares).</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:130%">Preferred shares do not have voting rights and are non-cumulative. They have been subscribed by third parties outside the Group, and except for the issuances of Santander UK plc, the rest are redeemable by decision of the issuer, according to the terms of each issue.</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:130%">Banco Santander's contingently convertible preferred participations are subordinated debentures and rank after common creditors and any other subordinated credit that by law and/or by their terms, to the extent permitted by Spanish law, ranks higher than the contingently convertible preferred participations. Their remuneration is conditioned to the obtainment of sufficient distributable profits, and to the limitations imposed by the regulations on shareholders' equity, and they have no voting rights. The other issues of Banco Santander, S.A. mentioned in this caption are also subordinated debentures and, for credit ranking purposes, they rank behind all the common creditors of the issuing entities and ahead of any other subordinated credit that ranks pari passu with the Bank's contingently convertible preferred participations.</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:130%">The main issuances of subordinated debt securities, broken down by company, are detailed below:  </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline">Issuances by Banco Santander, S.A. </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:130%">On 1 December 2025, Banco Santander, S.A. has proceeded to redeem in advance all the issued subordinated obligations: 'EUR 60,000,000', with original maturity date on December 2026 and with ISIN code XS1492669509.</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:130%">On 19 November 2025, Banco Santander, S.A. carried out an issuance for an amount of USD 1,500&#160;million with ISIN code US05971KAA79.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 24 September 2025, Banco Santander, S.A. proceeded to redeem in advance all the issued subordinated obligations: 'EUR 50,000,000 Fixed/Floating', with original maturity date on March 2029 and with ISIN code XS1585005314.</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:130%">On 5 August 2025, Banco Santander, S.A. proceeded to redeem in advance the subordinated debt issuances with ISIN code XS1384064587, for a nominal amount of EUR 1,500&#160;million, with a coupon of 3.250% and original maturity date on April 2026 and with ISIN code XS1548444816, for a nominal amount of EUR 1,000&#160;million, with a coupon of 3.125% and original maturity date on January 2027.</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:130%">On 2 July 2025, Banco Santander, S.A. proceeded to repurchase for their subsequent redeem in advance the contingently convertible preferred shares with ISIN code XS2102912966, for a total nominal amount of EUR 466.6 million and which are traded on the market of the Irish Stock Exchange 'Global Exchange Market', leaving the amount in circulation at  EUR 1,033.4 million.</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:130%">On 2 July 2025, Banco Santander, S.A. carried out a placement of preference shares contingently convertible into newly issued ordinary shares of the Bank (PPCC), for a nominal amount of EUR 1,500&#160;million with ISIN code XS3100756637 . The Issuance has been made at par and the remuneration of the PPCC, whose payment is subject to certain conditions and is also discretionary, has been set at 6% quarterly for the first six years, being reviewed every five years thereafter by applying a margin of 381.9 basis points over the five-year mid-swap rate.</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:130%">On 18 March 2025, Banco Santander, S.A. carried out an issuance for an amount of EUR 1,500&#160;million with ISIN code XS1201001572.</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:130%">On 17 February 2025, Banco Santander, S.A. prepaid EUR 600.8&#160;million out of a total of EUR 1,500&#160;million of the transaction with ISIN XS138406464587 following the tender announcement launched on 6 February 2025.</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:130%">On 17 February 2025, Banco Santander, S.A. prepaid EUR 563.6&#160;million euros out of a total of EUR 1,000&#160;million of the transaction with ISIN XS1548444816 following the tender announcement launched on 6 February 2025.</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:130%">On 1 August 2024, Banco Santander, S.A. carried out a placement of preference shares contingently convertible into newly issued ordinary shares of the Bank (PPCC), for a nominal amount of USD 1,500&#160;million (valued at EUR 1,356&#160;million). The issuance has been made at par and the remuneration of the PPCC, whose payment is subject to certain conditions and is also discretionary, has been set at 8% annually for the first ten years, being reviewed every five years thereafter by applying a margin of 391.1 basis points over the 5-year mid-swap rate.</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:130%">On 20 May 2024, Banco Santander, S.A., proceeded to partially redeem in advance the contingently convertible preferred shares with ISIN code XS1793250041, for a total nominal amount of EUR 1,312&#160;million and which are traded on the market of the Irish Stock Exchange 'Global Exchange Market' (the 'PPCC'), leaving the amount in circulation at EUR 187.6&#160;million.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 20 May 2024, Banco Santander, S.A. carried out a placement of preference shares contingently convertible into newly issued ordinary shares of the Bank (PPCC), for a nominal amount of EUR 1,500&#160;million. The Issuance has been made at par and the remuneration of the PPCC, whose payment is subject to certain conditions and is also discretionary, has been set at 7% annually for the first six years, being reviewed every five years thereafter by applying a margin of 443.2 basis points over the 5-year mid-swap rate.</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:130%">On 14 March 2024, Banco Santander, S.A. issued subordinated obligations for an amount of USD 1,250&#160;million (valued at EUR 1,158&#160;million) for a term of 10 years. The issuance was made at par and the issue coupon was set at 6.35% per year, payable bi-annually.</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:130%">On 8 February 2024, Banco Santander, S.A., proceeded to prepay all of the contingently convertible Tier 1 preferred shares with ISIN code XS1951093894, for a total nominal amount of USD 1,200&#160;million (valued at EUR 1,110&#160;million) and that were traded on the Irish Stock Exchange 'Global Exchange Market' (the 'PPCC').</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:130%">On 22 January 2024, Banco Santander, S.A. issued subordinated bonds for an amount of EUR 1,250&#160;million for a term of 10 years and 3 months. The issue was carried out at 99.74% and the issue coupon was set at 5% per year for the first 5 years and 3 months, with an amortization option in April 2029, reviewing the coupon, in case of non-amortization, at a fixed rate equivalent to a margin of 250 points plus the 5-year Euro swap rate.</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:130%">On 29 December 2023,  Banco Santander, S.A., proceeded to prepay all the Tier 1 Contingently Convertible Preferred Securities with ISIN code  XS1692931121 for a total nominal amount of EUR 1,000&#160;million and which were traded on the Irish Stock Market 'Global Exchange Market' (the 'PPCC').</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:130%">On 21 November 2023, Banco Santander, S.A., carried out a placement of two series of contingently convertible preferred shares into newly issued ordinary shares of the Bank, for a total nominal amount of USD 1,150&#160;million (EUR 1,054&#160;million at the exchange rate on the day of issue) and USD 1,350&#160;million (EUR 1,235&#160;million at the exchange rate on the day of issue), respectively.</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:130%">The issue was carried out at par and the remuneration of the PPCC, whose payment is subject to certain conditions and is also discretionary, was set (i) for the first Series at 9.625% annually for the first five years and six months, being reviewed every five years thereafter by applying a margin of 530.6 basis points on the five-year UST rate (5-year UST), and (ii) for the second Series at 9.625% annually for the first ten years, being reviewed thereafter every five years, applying a margin of 529.8 basis points on the five-year UST rate. </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:130%">On 8 August 2023, Banco Santander, S.A. carried out an issuance of subordinated obligations for an amount of 2,000&#160;million dollars (1,821&#160;million euros at the exchange rate on the day of issuance). The issue was carried out at par coupon was set at 6.921% per year, payable semiannually during the 10-year life of the operation. </span></div></div></div><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 23 May 2023, Banco Santander, S.A. issued subordinated bonds for an amount of 1,500&#160;million euros for a term of 10 years and 3 months. The issue was carried at 99.739% and the coupon of the issue was set at 5.75% annually for the first 5 years and 3 months, with the option of amortization in August 2028, revising the coupon, in case of non-amortization, at a margin of 285 points plus the Euro Swap type 5 years.</span></div><div style="margin-bottom:9pt;margin-top:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 25 April 2022, Banco Santander, S.A. proceeded to prepay all the Tier 1 Contingently Convertible Preferred Securities with ISIN code XS1602466424 and common code 160246642 in circulation, for a total nominal amount of EUR 750&#160;million and which were traded on the Irish Stock Market 'Global Exchange Market' (the 'PPCC').</span></div><div style="margin-bottom:9pt;margin-top:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 22  November 2021, Banco Santander, S.A. issued subordinated debentures for a term of eleven years, with a redemption option on the tenth anniversary of the issue date, in the amount of USD 1,000&#160;million (EUR 1,007&#160;million at the exchange rate on the day of issue). The issue bears interest at an annual rate of 3.225%, payable semi-annually, for the first ten years. This issue has an early redemption option in the tenth year from the issue date and if the redemption is not executed in the tenth year, the coupon is repriced at a margin of 160 points over the one-year US government bond. </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:130%">On 4 October 2021, Banco Santander, S.A. issued subordinated debentures for a term of eleven years, with a redemption option on the sixth anniversary of the issue date, amounting to GBP 850&#160;million (EUR 887&#160;million at the exchange rate on the day of issue). The issue bears interest at an annual rate of 2.25%, payable annually for the first six years (then repricing at a margin of 165 points over the 5-year UK government bond).</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:130%">On 21 September 2021, Banco Santander, S.A. carried out a placement of preferential shares contingently convertible into newly issued ordinary shares of the Bank ('PPCC') for a nominal amount of EUR 1,000&#160;million (issue placed on the market EUR 997&#160;million). The issuance was carried out at par and the remuneration of the PPCC, whose payment is subject to certain conditions and is also discretionary, was set at 3.625% per year for the first eight years, being reviewed every five years applying a margin of 376 basis points over the 5-year Mid-Swap Rate.</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:130%">On 12 May 2021, Banco Santander, S.A. placed the issue of preference shares contingently convertible into newly issued ordinary shares of the Bank, previously announced, for a total nominal amount of  EUR 1,578&#160;million, issued in a Series in Dollars of  USD 1,000&#160;million (EUR 828&#160;million at the exchange rate on the day of issue) and a Series in Euros for an amount of EUR 750&#160;million. The issuance was carried out at par and the remuneration of the PPCC, whose payment is subject to certain conditions and is also discretionary, was set (i) for the Series in Dollars at 4.750% per annum for the first six years, being revised every five years applying a margin of 375.3 basis points over the 5-year UST rate and (ii) for the Series in Euros by 4.125% per annum for the first seven years, being revised every five years applying a margin of 431.1 basis points over the applicable 5-year euro mid-swap.</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:130%">On 3 December 2020, Banco Santander, S.A. issued subordinated debentures with a ten-year term of USD 1,500&#160;million (EUR 1,222&#160;million at the date of issue). The issue bears interest at an annual rate of 2.749%, payable semiannually.</span></div></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:130%">On 22 October 2020, it carried out a ten-year subordinated debenture issue for an amount of EUR 1,000&#160;million. The issue bears interest at an annual rate of 1.625%, payable annually.</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:130%">On 14 January 2020, it carried out a placement of contingently convertible preferred participations into newly issued ordinary shares of the Bank (the 'PPCCs'), excluding the pre-emptive subscription rights of its shareholders and for a nominal amount of  EUR 1,500&#160;million (the 'Issuance' and the 'PPCCs'). The Issuance was made at par and the remuneration of the PPCCs, the payment of which is subject to certain conditions and is also discretionary, was set at 4.375% per annum for the first six years, revised every five years thereafter by applying a margin of 453.4 basis points over the 5-year mid-Swap Rate (5-year mid-Swap Rate).</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:130%">On 8 February 2018, a ten-year subordinated debenture issuance of EUR 1,250&#160;million was carried out. The issue accrues annual interest of 2.125% payable annually.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline">Issuances by Banco Santander (Brasil) S.A.</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:130%">In early December 2025, Brazil closed a Tier 2 subordinated debt issuance in its local market with a 10-year term and the first call date at 5 years, for an amount of BRL 2.4&#160;billion. The issuance price was 10y CDI + 65 bps.</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:130%">At September 2024, Brazil issued AT1 Financial Notes (PerpNC5) in its local market for an amount of BRL 7,600 million at CDI + 140% (equivalent to UST +222 bps).</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:130%">At the beginning of October 2023, Banco Santander (Brasil) S.A. carried out an issuance of Subordinated Financial Bills (TIER II) in its local market for a 10-year term, with a repurchase option as of the fifth anniversary of the issuance date, in the amount of BRL 6,000&#160;million. The issuance price was CDI +1.6% per annum, payable at maturity. </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:130%">At the end of November 2021, Banco Santander (Brasil) S.A. carried out an issuance of Subordinated Financial Bills (TIER II) in its local market for a 10-year term, with a repurchase option as of the fifth anniversary of the issue date, in the amount of BRL 5,500&#160;million. The issue price was CDI 2% per annum, payable at maturity.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline">Issuance by Santander Bank Polska S.A.</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:130%">At 28 November 2024, Santander Bank Polska S.A proceeded to repay subordinated debt ISIN XS0531310182 for EUR 100&#160;million. The debt was originally fully subscribed by the EBRD at 5 August 2010.</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:130%">The accrued interests from the subordinated liabilities during 2025 amounted to EUR 1,486 million (EUR 1,357 million and EUR 1,010 million during 2024 and 2023, respectively). </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:130%">In addition, interests from the PPCC and PPCA during 2025 amounted to EUR 622 million (EUR 620 million and EUR 492 million in 2024 and 2023, respectively).</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of subordinated liabilities. [Refer: Subordinated liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other financial liabilities<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesAbstract', window );"><strong>Disclosure of financial liabilities [abstract]</strong></a></td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfOtherFinancialLiabilitiesTextBlock', window );">Other financial liabilities</a></td>
<td class="text">Other financial liabilities<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Other financial liabilities in the consolidated balance sheets 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:57.850%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.482%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Trade payables</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,452&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,452&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,783&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Clearing houses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">794&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">776&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,269&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Tax collection accounts:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Public Institutions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6,271&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6,156&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,986&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Factoring accounts payable</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">274&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">226&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">272&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Unsettled financial transactions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,860&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,421&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,412&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Lease liabilities (note 2.k)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,822&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,202&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,400&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other financial liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,645&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,683&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23,065&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">36,118</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">39,916</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">40,187</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">Note&#160;51 contains a detail of the residual maturity periods of other financial liabilities at each year-end.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline">Lease liabilities</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:130%">The cash outflow of leases in 2025 was EUR 510 million (EUR 684 million and EUR 738 in 2024 and 2023, respectively).</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:130%">The analysis of the maturities of lease liabilities at 31 December 2025, 2024 and 2023 is shown below:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Maturity Analysis - Discounted payments</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within 1 year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">466&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">526&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">586&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Between 1 and 3 years</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">619&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">868&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">918&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Between 3 and 5 years</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">315&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">480&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Later than 5 years</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">422&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">403&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">416&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total discounted payments at the end of the year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,822</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,202</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,400</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">During 2025, 2024 and 2023 there were no significant variable lease payments not included in the valuation of lease liabilities.</span></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Provisions<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProvisionsAbstract', window );"><strong>Provisions [abstract]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfProvisionsExplanatory', window );">Provisions</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.741%"><div style="margin-bottom:6pt"><span id="i7fd30b62b1094ab48052c593a6deff5f"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%">25. Provisions</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i80282586c84e434dab03a586940b4da1"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown</span></div></div><div style="display:inline-block;max-width:2.517%;min-width:1.517%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.742%"></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Provisions in the consolidated balance sheets is as follows:</span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:47.974%"></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:15.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.876%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Provision for pensions and other obligations post-employments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,656&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,731&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,225&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other long term employee benefits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">993&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">915&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">880&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for taxes and other legal contingencies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,989&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,717&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,715&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Contingent liabilities and commitments (note 2.o)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">713&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">710&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">702&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,004&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,334&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,919&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,355</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,407</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,441</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:6pt;margin-top:6pt;padding-right:263.62pt"><span id="i9aa81f137b604657b7fb798fe14e0ce5"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Changes</span></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in 'Provisions' in the last three years were as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:42.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.307%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.492%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Post employment plans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Long term employee benefits</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Contingent liabilities and commitments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other provisions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balances at beginning of year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,731</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">915</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">710</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,051</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,407</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Incorporation of Group companies, net</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Additions charged to income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">75&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">437&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,872&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,434&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest expense (note 39)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">59&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">91&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Staff costs (note 46)</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Provisions or reversion of provisions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">396&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,872&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,302&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13.75pt;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:105%">Addition</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">424&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">591&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,036&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,057&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13.75pt;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:105%">Release</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(22)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(28)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(541)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,164)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,755)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other additions arising from insurance contracts linked to pensions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in value recognised in equity</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">220&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">220&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Payments to pensioners and pre-retirees with a charge to internal provisions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(107)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(358)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(465)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid due to settlements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Insurance premiums paid</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Payments to external funds</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(329)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(329)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Amounts used</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,914)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,914)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfer, exchange differences and other changes</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">115&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(47)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balances at end of&#160;year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,656</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">993</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">713</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,993</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,355</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:18.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.381%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.392%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.239%"></td><td style="width:0.1%"></td></tr><tr><td colspan="36" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Post employment plans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Long term employee benefits</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Contingent liabilities and commitments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Other provisions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Post employment plans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Long term employee benefits</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Contingent liabilities and commitments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Other provisions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balances at beginning of year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,225</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">880</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">702</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">4,634</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">8,441</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,392</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">950</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">734</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">4,073</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">8,149</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Incorporation of Group companies, net</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Additions charged to income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">94&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">368&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,703&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,212&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">92&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">244&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,895&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,193&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest expense (note 39)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">76&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">105&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">59&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">93&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Staff costs (note 46)</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">42&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Provisions or reversion of provisions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">328&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,703&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,062&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">201&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,895&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,058&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Addition</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">335&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">430&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">4,026&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">4,796&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">204&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">378&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">3,407&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">3,992&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Release</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">(21)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">(7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">(383)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">(1,323)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">(1,734)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">(416)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">(1,512)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">(1,934)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other additions arising from insurance contracts linked to pensions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Changes in value recognised in equity</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">643&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">643&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">944&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">944&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Payments to pensioners and pre-retirees with a charge to internal provisions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(153)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(331)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(484)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(182)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(316)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(498)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Insurance premiums paid</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Payments to external funds</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(708)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(708)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(750)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(750)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Amounts used</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2,178)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2,178)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1,825)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1,826)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Transfer, exchange differences and other changes</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(368)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(39)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(108)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(517)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(267)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">491&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">233&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balances at end of&#160;year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,731</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">915</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">710</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">5,051</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">8,407</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,225</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">880</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">702</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">4,634</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">8,441</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt"><span id="i546aa42ff1a044e5a34ed35e1344219f_14542"></span><span id="i11c08a01286c41e4a2247bd8f675d42d"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Provision for pensions and other obligations post &#8211;employments and Other long term employee benefits </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:130%">The detail of Provisions for pensions and similar obligations is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:54.764%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.408%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Provisions for post-employment plans - Spanish entities</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">602</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">674</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">770</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for other similar obligations - Spanish entities</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">927</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">852</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">817</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which pre-retirements</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">916</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">839</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">805</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for post-employment plans - United Kingdom</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for post-employment plans - Other subsidiaries</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,028</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,029</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,379</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for other similar obligations - Other subsidiaries</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">66</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Provision for pensions and other obligations post -employments and Other long term employee benefits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,649</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,646</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,105</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;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:105%">Of which defined benefits</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,637</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 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:105%">2,638</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 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:105%">3,097</span></td></tr></table></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span id="ie5766de2c8fa42fca22f4bfbcd5a069f"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Spanish entities&#160;- Post-employment plans and other similar obligations</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:130%">At 31 December 2025, 2024 and 2023, the Spanish entities had post-employment benefit obligations under defined contribution and defined benefit plans. In addition, in various&#160;years some of the consolidated entities offered certain of their employees the possibility of taking pre-retirement and, therefore, provisions are recognised each&#160;year for the obligations to employees taking pre-retirement&#160;-in terms of salaries and other employee benefit costs- from the date of their pre-retirement to the agreed end date.</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:130%">In 2023, the provisions made to cover the commitments with 502 employees covered by early retirement and incentivized dismissals plan amounted to EUR 160&#160;million. </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:130%">In 2024, the provisions made to cover the commitments with 826 employees covered by early retirements and incentivized dismissals amounted to EUR 303&#160;million.</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:130%">In 2025, the provisions made to cover the commitments with 1,238 employees covered by early retirements and incentivized dismissals amounted to EUR 389 million.</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:130%">The expenses incurred by the Spanish companies in 2025, 2024 and 2023 in respect of contributions to defined contribution plans amounted to EUR 130 million, EUR 126 million and EUR 116 million, respectively.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The amount of the defined benefit obligations was determined on the basis of the work performed by independent actuaries using the following actuarial techniques:</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">1.&#160;&#160;&#160;&#160;Valuation method: projected unit credit method, which sees each period of service as giving rise to an additional unit of benefit entitlement and measures each unit separately.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">2.&#160;&#160;&#160;&#160;Actuarial assumptions used: unbiased and mutually compatible. Specifically, the most significant actuarial assumptions used in the calculations were as follows:</span></div></div></div><div style="margin-bottom:3pt;padding-left:18pt;text-indent:-18pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:22.307%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.307%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.344%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.682%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Post-employment&#160;plans</span></td><td colspan="3" style="padding:0 6.62pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other&#160;similar&#160;obligations</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 12.25pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Annual discount rate</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.75</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.35</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.75</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.35</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Mortality tables</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">PER2020 M/F Col. Orden 1</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">PER2020 M/F Col. Orden 1</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">PER2020 M/F Col. Orden 1</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">PER2020 M/F Col. Orden 1</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">PER2020 M/F Col. Orden 1</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">PER2020 M/F Col. Orden 1</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cumulative annual CPI growth</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Annual salary increase rate</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.25%</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.25%</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.25%</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Annual social security pension increase rate</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.12</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.12</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.12</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Annual benefit increase rate</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Corresponds to the group&#8217;s defined-benefit obligations.</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:130%">The discount rate used for the flows was determined by reference to high-quality corporate bonds (at least AA in euros) matching the durations of the commitments. From the bond portfolio considered, callable, putable and sinkable bonds, which could distort the rates, are excluded. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;margin-top:15pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Any changes in the main assumptions could affect the calculation of the obligations. At 31 December 2025, if the discount rate used had been decreased or increased by 50 basis points (bp), there would have been an increase or decrease in the present value of the post-employment obligations of 4.02% (-50 bp) to -3.75% (+50 bp),respectively, and an increase or decrease in the present value of the long-term obligations of 1.15% (-50 bp) to -1.15% (+50 bp), respectively.</span></div><div style="margin-bottom:9pt;margin-top:15pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">These changes would be offset in part by increases or decreases in the fair value of the assets and insurance contracts linked to pensions.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">3. The estimated retirement age of each employee is the first at which the employee is entitled to retire or the agreed-upon age, as appropriate.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The fair value of insurance contracts was determined as the present value of the related payment obligations, taking into account the following assumptions:</span></div></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:50.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.985%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.757%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"></td><td colspan="9" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Post-employment&#160;plans</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"></td><td colspan="9" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other&#160;similar&#160;obligations</span></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Expected rate of return on plan assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.75</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.35</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.75</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.35</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Expected rate of return on reimbursement rights</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.75</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.00</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.35</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td></tr></table></div><div style="margin-bottom:9pt;margin-top:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The funding status of the defined benefit obligations in 2025 and the two preceding&#160;years is as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:51.492%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.985%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.756%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"></td><td colspan="9" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Post-employment&#160;plans</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"></td><td colspan="9" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other&#160;similar&#160;obligations</span></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To current employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Vested obligations to retired employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,610&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,850&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,936&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To pre-retirees employees</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">919&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">844&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">812&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Long-service bonuses and other benefits</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,644</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,899</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,987</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">930</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">857</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">824</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Less - Fair value of plan assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,058&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,234&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,235&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions - Provisions for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">586</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">665</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">752</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">927</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">852</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">817</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Internal provisions for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">535&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">593&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">927&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">852&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">817&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Net pension assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(13)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(14)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Insurance contracts linked to pensions (note 14)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">67&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">81&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">93&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Unrecognised net assets for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(3)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The amounts recognised in the consolidated income statements in relation to the aforementioned defined benefit obligations are as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"></td><td style="width:50.460%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.775%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.775%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.775%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.988%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.775%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.775%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.777%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Post-employment&#160;plans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other&#160;similar&#160;obligations</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Current service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest cost (net)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Expected return on insurance contracts linked to pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions or reversion of provisions</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Actuarial (gains)/losses recognised in the&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(19)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Past service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Pre-retirement cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">389&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">303&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(16)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">41</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">398</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">325</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">210</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Including reduction/settlement effect</span></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, in 2025 'Other comprehensive income&#160;&#8211; Items not reclassified to profit or loss&#160;&#8211; Actuarial gains or (-) losses on defined benefit pension plans' has decreased by EUR 33 million with respect to defined benefit obligations (</span><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:130%">increase</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> of EUR 21 and increase </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline">of </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">EUR 10 million in 2024 and 2023, respectively).</span></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in the present value of the accrued defined benefit obligations were as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:38.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.832%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Post-employment&#160;plans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other&#160;similar&#160;obligations</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,899&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,987&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,076&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">857&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">824&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">903&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Incorporation of Group companies, net</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Current service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">67&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pre-retirement cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">389&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">303&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Effect of curtailment/settlement</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(179)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(203)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(210)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(325)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(292)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(290)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid due to settlements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Past service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Actuarial (gains)/losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(102)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(19)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Demographic actuarial (gains)/losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(14)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(8)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Financial actuarial (gains)/losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(88)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(11)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations at end of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,644</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,899</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,987</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">930</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">857</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">824</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in the fair value of plan assets and of insurance contracts linked to pensions were as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:6pt;margin-top:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:33.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.720%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Plan Assets</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="21" style="border-top:1pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Post-employment&#160;plans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other similar obligations</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value of plan assets at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,234&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,235&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">861&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Incorporation of Group companies, net</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Expected return on plan assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains/(losses) on settlements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(144)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(124)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(89)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Contributions/(surrenders)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">409&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Actuarial gains/(losses)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(64)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value of plan assets at end of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,058</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,234</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,235</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:33.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.720%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Insurance Contracts linked to pensions</span></td></tr><tr><td colspan="24" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="2" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Post-employment&#160;plans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other similar obligations</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value of insurance contracts linked to pensions at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">104&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Incorporation of Group companies, net</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Expected return on insurance contracts linked to pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Paid premiums</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Actuarial gains/(losses)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value of insurance contracts linked to pensions at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">67</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">81</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">93</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In view of the conversion of the defined-benefit obligations to defined-contribution obligations, the Group will not make material current contributions in Spain in 2026 to fund its defined-benefit pension obligations.</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:130%">The plan assets and the insurance contracts linked to pensions are instrumented mainly through insurance policies.</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:130%">The following table shows the estimated benefits payable at 31 December 2025 for the next ten&#160;years:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:86.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.246%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2026</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">461</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2027</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">391</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2028</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">331</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2029</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">274</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2030</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">223</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2031 to 2035</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">672</span></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i83f6c003c8014f2f9cba17ed12c0dc9a"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. United Kingdom</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:130%">At the end of each of the last three&#160;years, the businesses in the United Kingdom had post-employment benefit obligations under defined contribution and defined benefit plans. The expenses incurred in respect of contributions to defined contribution plans amounted to EUR 92 million in 2025 (EUR 98 million in 2024 and EUR 87 million in 2023).</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The amount of the defined benefit obligations was determined on the basis of the work performed by independent actuaries using the following actuarial techniques:</span></div><div><span><br/></span></div><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">1.&#160;&#160;&#160;&#160;Valuation method: projected unit credit method, which sees each period of service as giving rise to an additional unit of benefit entitlement and measures each unit separately.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">2.&#160;&#160;&#160;&#160;Actuarial assumptions used: unbiased and mutually compatible. Specifically, the most significant actuarial assumptions used in the calculations were 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:20.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:33.776%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.813%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.815%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Annual discount rate</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.58%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.54%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.63%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Mortality tables</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">''S4 Light' tables weighted 105% males/101% females and CMI_2024 projection [LTR=1.25%, A=0.25%, H=1] with both Age-Period and Cohort convergence periods equal to core values except increased to 20 years for ages 80 to 100 and then tapering down to nil by age 120</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">The S3 Middle tables weighted at 84% of the CMI_2023 projection with an initial addition of 0.25%, smoothing parameter 7 and improving 1.25%.</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">The S3 Middle tables weighted at 84% of the CMI_2022 projection with an initial addition of 0.25%, smoothing parameter 7 and improving 1.25%.</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cumulative annual CPI growth</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.9%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.11%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.02%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Annual salary increase rate</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.00%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.00%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.00%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Annual pension increase rate</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.78%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.04%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.96%</span></td></tr></table></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:130%">The discount rate used for the flows was determined by reference to high-quality corporate bonds (at least AA in pounds sterling) that coincide with the terms of the obligations.</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:130%">Any changes in the main assumptions could affect the calculation of the obligations. At 31 December 2025, if the discount rate used had been decreased or increased by 50 basis points, there would have been an increase or decrease in the present value of the obligations of 5.82% (-50 bp) and -5.28% (+50 bp), respectively. If the inflation assumption had been increased or decreased by 50 basis points, there would have been an increase or decrease in the present value of the obligations of 4.23% (+50 bp) and -4.14% (-50 bp), respectively. These changes would be offset in part by increases or decreases in the fair value of the assets.</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:130%">The funding status of the defined benefit obligations in 2025 and the two preceding&#160;years 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,164&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,898&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,451&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Less-</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Fair value of plan assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,740&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,400&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,208&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions&#160;- Provisions for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(576)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(502)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(757)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Internal provisions for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">25&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">76&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Net assets for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(601)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(530)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(833)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The amounts recognised in the consolidated income statements in relation to the aforementioned defined benefit obligations are 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:61.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.248%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Current service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest cost (net)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(40)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(62)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions or reversal of provisions, net</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cost of services provided</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Others</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(22)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(27)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(48)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">In addition, in 2025 'Other comprehensive income&#160;&#8211; Items not reclassified to profit or loss&#160;&#8211; Actuarial gains or (-) losses on defined benefit pension plans has increased by EUR 117 million with respect to defined benefit obligations ( increase of EUR 475 and of EUR 687 million in 2024 and 2023, respectively).</span></div><div style="margin-bottom:1pt;margin-top:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in the present value of the accrued defined benefit obligations were as follows:</span></div><div style="margin-bottom:9pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:61.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.248%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,898&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,451&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,982&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net incorporation of companies into the Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(28)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Current service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">465&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">438&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">436&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(469)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(465)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(428)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid by settlements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Contributions made by employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Past service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Actuarial (gains)/losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(304)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(965)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">281&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Demographic actuarial (gains)/losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(91)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(133)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(59)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Financial actuarial (gains)/losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(213)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(832)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">340&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(438)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">419&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">197&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,164</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,451</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in the fair value of the plan assets were 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:61.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.247%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value of plan assets at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,400&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,208&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,152&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net incorporation of companies into the Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(41)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Expected return on plan assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">496&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">478&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">498&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(469)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(465)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(434)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Contributions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">203&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">182&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">225&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Actuarial gains/(losses)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(421)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,440)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(406)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(469)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">437&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">214&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value of plan assets at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,740</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,400</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,208</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2026 the Group expects to make current contributions to fund these obligations for amounts similar to those made in 2025.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The main categories of plan assets as a&#160;percentage of total plan assets are 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:60.628%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.247%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">67</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">66</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Properties</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></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:130%">The following table shows the estimated benefits payable at 31 December 2025 for the next ten&#160;years:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:86.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.246%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2026</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">576&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2027</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">485&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2028</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">503&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2029</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">527&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2030</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">545&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2031 to 2035</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,801&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ieeb2f13312bf454e82ba1e3634f2d155"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Other foreign subsidiaries</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:130%">Certain of the consolidated foreign entities have acquired commitments to their employees similar to post-employment benefits.</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:130%">At 31 December 2025, 2024 and 2023, these entities had defined-contribution and defined-benefit post-employment benefit obligations. The expenses incurred in respect of contributions to defined contribution plans amounted to EUR 110 million in 2025 (EUR 133 million at 31 December 2024  and EUR 107 million at 31 December 2023).</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:130%">The actuarial assumptions used by these entities (discount rates, mortality tables and cumulative annual CPI growth) are consistent with the economic and social conditions prevailing in the countries in which they are located.</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:130%">Specifically, the discount rate used for the flows was determined by reference to high-quality corporate bonds, except in the case of Brazil where there is no extensive corporate bond market and, accordingly the discount rate was determined by reference to the series B bonds issued by the Brazilian National Treasury Secretariat for a term coinciding with that of the obligations. In Brazil the discount rate used was between 10.52% and 10.65%, the CPI 3.00% and the mortality table the AT-2000, AT-2000 Basic y AT-2000 S10.</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:130%">Any changes in the main assumptions could affect the calculation of the obligations. At 31 December 2025, if the discount rate used had been decreased or increased by 50 basis points, there would have been an increase or decrease in the present value of the obligations of 3.92% (-50 bp) and -3.53% (+50 bp), respectively. These changes would be offset in part by increases or decreases in the fair value of the assets.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The funding status of the obligations similar to post-employment benefits and other long-term benefits in 2025 and the two preceding&#160;years is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:56.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.976%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">Of which business in Brazil</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,886&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,569&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,903&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,485&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Less-</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:400;line-height:105%">Of which: with a charge to the participants</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">152&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">152&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">157&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">114&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Fair value of plan assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,284&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,730&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,502&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,787&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions - Provisions for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">450</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(313)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">244</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">584</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Internal provisions for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,083&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">210&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,084&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,434&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Net assets for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(170)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(60)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(141)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(154)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Unrecognised net assets for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(463)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(463)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(699)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(696)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The amounts recognised in the consolidated income statements in relation to these obligations are 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:61.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.248%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="9" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Current service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest cost (net)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">92&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">83&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions or reversion of provisions</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(Actuarial gains)/losses recognised in the year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Past service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Pre-retirement cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">120</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">140</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">129</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, in 2025 'Other comprehensive income&#160;&#8211; Items not reclassified to profit or loss&#160;&#8211; Actuarial gains or (-) losses on defined benefit pension plans' has increased by EUR 136 million with respect to defined benefit obligations (increase of EUR 147 million and EUR 247 million in 2024 and 2023, respectively). </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in the present value of the accrued obligations were 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:58.776%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.173%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations at beginning of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,903&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,485&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,578&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Incorporation of Group companies, net</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Current service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">552&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">578&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">599&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pre-retirement cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Effect of curtailment/settlement</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(726)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,113)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(730)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid due to settlements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(133)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Contributions made by employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Past service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Actuarial (gains)/losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">270&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(191)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">697&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Demographic actuarial (gains)/losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">300&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Financial actuarial (gains)/losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(30)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(190)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">657&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(860)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">336&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations<br/>at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,886</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,903</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,485</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">The changes in the fair value of the plan assets were 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:61.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.248%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="background-color:#ebebeb;padding:0 1pt"></td><td colspan="3" style="background-color:#ebebeb;padding:2px 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:105%">2025</span></td><td colspan="3" style="background-color:#ebebeb;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ebebeb;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value of plan assets at beginning of&#160;year</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,502&#160;</span></td><td style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,787&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,321&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Incorporation of Group companies, net</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Expected return on plan assets</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">556&#160;</span></td><td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">551&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">588&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(752)</span></td><td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,022)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(644)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Contributions</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">134&#160;</span></td><td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">477&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">124&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Actuarial gains/(losses)</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(201)</span></td><td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(304)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">110&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Settlements gains/(losses)</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46&#160;</span></td><td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(987)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">304&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value of plan assets at end of&#160;year</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,284</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ebebeb;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,502</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,787</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2026 the Group expects to make contributions to fund these obligations for amounts similar to those made in 2025.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The main categories of plan assets as a&#160;percentage of total plan assets are 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:53.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.025%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">79</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">79%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">83%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Properties</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5%</span></td></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table shows the estimated benefits payable at 31 December 2025 for the next ten&#160;years:</span></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:86.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.246%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2026</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">746&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2027</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">736&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2028</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">740&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2029</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">744&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2030</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">747&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2031 to 2035</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,790&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;margin-top:6pt"><span id="i546aa42ff1a044e5a34ed35e1344219f_14561"></span><span id="i75049b1c22ed4f989cd2d88c82df2dc8"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Provisions for taxes and other legal contingencies and Other provisions</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:130%">'Provisions&#160;- Provisions for taxes and other legal contingencies' and 'Provisions&#160;- Other provisions', which include, inter alia, provisions for restructuring costs and tax-related and non-tax-related proceedings, were estimated using prudent calculation procedures in keeping with the uncertainty inherent to the obligations covered. The definitive date of the outflow of resources embodying economic benefits for the Group depends on each obligation. In certain cases, these obligations have no fixed settlement period and, in other cases, depend on the legal proceedings in progress.</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:130%">The detail, by geographical area, of Provisions for taxes and other legal contingencies and Other provisions 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:61.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.248%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Recognised by Spanish companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,033&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,924&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,921&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Recognised by other EU companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">310&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">694&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">433&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Recognised by other companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,650&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,433&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,280&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Brazil</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,530&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,445&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,618&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">United Kingdom </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">736</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">654&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">373&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt 0 12.25pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,993</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,051</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,634</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Of which GBP 461&#160;million (EUR 528.1&#160;million) correspond to the Financial Conduct Authority (FCA) review of the Vehicle Finance Market as detailed in note 25.e.ii.</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:130%">Set forth below is the detail, by type of provision, of the balance at 31 December 2025, 2024 and 2023 of Provisions for taxes and other legal contingencies and Other provisions. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The types of provision 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:61.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.248%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Provisions for taxes</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">720&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">727&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">745&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for employment-related proceedings (Brazil)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">594&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">458&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">611&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for other legal proceedings</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,675&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,532&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,359&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provision for customer remediation</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">826&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,001&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">454&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provision for restructuring</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">279&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">589&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">596&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">899&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">744&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">869&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,993</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,051</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,634</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The provisions for taxes include provisions for tax-related proceedings.</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:130%">The provisions for employment-related proceedings (Brazil) relate to claims filed by trade unions, associations, the prosecutor&#8217;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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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, the CHF mortgage portfolio of Poland, as well as the estimated amount related to the floor clauses of Banco Popular Espa&#241;ol, S.A.U in Spain. 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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Qualitative information on the main litigation is provided in Note&#160;25 e to the consolidated financial statements.</span></div></div></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:130%">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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Regarding their variations in fiscal year 2025, in provisions for labour processes and others of a legal nature, EUR 524 million and EUR 185 million were recorded in Brazil in 2025, making payments of EUR 384 million and EUR 159 million, respectively.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i10c8cccb4c114c1786b9160787d772b1"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">e) Litigation and other matters </span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="ieec7504224924a38a80531f3e18015e7"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Tax-related litigation</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:130%">At 31 December 2025 the main tax-related proceedings concerning the Group were as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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 Integra&#231;ao Social (PIS) and Contribui&#231;&#227;o 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 2 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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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 Jur&#237;dicas - IRPJ - and Contribu&#231;ao 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 involves 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="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In May 2003 the Brazilian tax authorities issued separate infringement notices against Santander Distribuidora de T&#237;tulos e Valores Mobiliarios, Ltda. (DTVM, actually Santander Brasil Tecnolog&#237;a S.A.) and Banco Santander (Brasil) S.A. in relation to the Provisional Tax on Financial Movements (Contribui&#231;&#227;o Provis&#243;ria sobre Movimenta&#231;&#227;o 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 Transa&#231;ao 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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In December 2010 the Brazilian tax authorities issued an infringement notice against Santander Seguros S.A. (Brasil), (currently Zurich Santander Brasil Seguros e Previd&#234;ncia S.A.), as the successor by merger to ABN AMRO Brasil dois Participa&#231;&#245;es 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 Previd&#234;ncia 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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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, where it awaits judgment. No provision was recognized as it is considered to be a contingent liability.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Brazilian tax authorities have issued infringement notices against Getnet Adquir&#234;ncia e Servi&#231;os 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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The total amount for the aforementioned Brazil lawsuits that are fully provisioned is EUR 553 million, and for lawsuits that qualify as contingent liabilities is EUR 5,040&#160;million.</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:130%">At the date of approval of these consolidated annual accounts, there are other less significant tax disputes.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span id="i013766adb6b44e0594d5e94ee840ecd2"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Non-tax-related proceedings</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:130%">At 31 December 2025 the main non-tax-related proceedings concerning the Group were as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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&#8217;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&#160;million plus interest of GBP 162&#160;million. </span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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).&#160; In January 2026, AXA France obtained permission to cross-appeal the Commercial Court&#8217;s rejection of AXA France&#8217;s contribution claim made under the Civil Liability (Contribution) Act 1978 (the AXA France&#8217;s cross appeal). A decision on the Santander Appeal and AXA France&#8217;s cross appeal is expected in the second half of 2026.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">With respect to the Santander Appeal and AXA France&#8217;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:7.08pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt;text-decoration:underline">Motor Finance Broker Commissions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">: following the Financial Conduct Authority&#8217;s (FCA) Motor Market review in 2019 which resulted in a change in rules in January 2021, Santander Consumer (UK) plc (SCUK) has 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 currently in place until 31 May 2026, reflecting the extended timeline of the FCA's Review and subsequent Consultation (see below).</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">After the Court of Appeal's decision rendered on 25 October 2024 within the judicial proceedings followed against DCAs of other financial entities, as of 31 December 2024, the Santander UK group Holdings recognised a provision of GBP  293.0&#160;million (EUR 353.3&#160;million). This provision was determined based upon the information then available. It included estimates for operational and legal costs and potential awards based on various scenarios and used a range of assumptions, including the possible outcome of the appeal to the Supreme Court in 2025 of the Court of Appeal's decision. On 1 August 2025, the Supreme Court handed down its judgment stating that motor dealers acting as credit brokers do not owe fiduciary or disinterested duties to their customers and, as a consequence, 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:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following the Supreme Court&#8217;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 (the Consultation). Further to the publication of the FCA&#8217;s Consultation on&#160;7 October 2025, the Santander UK group submitted its comments on 12 December 2025 and continues to engage constructively with the FCA. The FCA has stated that its intention is to publish the industry wide redress scheme no later than in March 2026.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In light of the proposed sectoral scheme and taking into account the objections raised and the uncertainty surrounding both the final decision to be adopted by the FCA and the outcome of any potential legal challenges, the Santander UK group has reviewed the potential impact on SCUK in relation to the vehicle finance market. The range of scenarios has been updated, which has resulted in an additional estimated charge of GBP 183&#160;million (EUR 213.6&#160;million). As of 31 December 2025, the total provision amounts to GBP 461&#160;million (EUR 528.1&#160;million). This continues to include estimates for operational and legal costs and potential awards reflecting an increased likelihood of a higher number of cases than had previously been predicted as eligible for redress as well as an increased possibility that a remedy is sought to be imposed which extends beyond reversing any damaging financial consequences caused by any unfair relationships. The provision is based on various scenarios using a range of assumptions, including potential changes to the proposed scheme following responses to the Consultation or publication of the FCA&#8217;s final scheme rules.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">There continue to be significant uncertainties as to the nature, extent and timing of redress payments. Therefore, while the ultimate financial impact of this matter could materially differ from the amount of the provision as of this date, such impact is not expected to be material for the Group as of the date of these financial statements.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Delforca: dispute arising from equity swaps entered into by Gaesco (now Delforca 2008, S.A. (Delforca)) on shares of Inmobiliaria Colonial, S.A. Banco Santander, S.A. is claiming to Delforca before the Court of Barcelona in charge of the bankruptcy proceedings, a total of EUR 66&#160;million from the liquidation resulting from the early termination of financial transactions due to Delforca's non-payment of the equity swaps. In the same bankruptcy proceedings, Delforca and Mobiliaria Monesa, S.A., parent of Delforca (Monesa) have in turn claimed the Bank to repay EUR 57&#160;million, which the Bank received for the enforcement of the agreed guarantee, as a result of the aforementioned liquidation. On 16 September 2021 the Commercial Court Number 10 of Barcelona has ordered Delforca to pay the Bank EUR 66&#160;million plus EUR 11&#160;million in interest and has dismissed the claims filed by Delforca. This decision was appealed by Delforca, Monesa and the bankruptcy administrator. On 15 November 2023 the Provincial Court of Barcelona rendered a judgment dismissing the appeals filed by Delforca, Monesa and the bankruptcy administrator. Delforca and Monesa (not the bankruptcy administrator) filed an appeal in cassation, that was rejected in November 2025 by the First Chamber of Supreme Court and, as a result, the appeal and first instance judgments in favor of the Bank have been confirmed. </span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Separately, Monesa, filed in 2009 a civil procedure with the Courts of Santander against the Bank claiming damages that have not been specified to date. The procedure is suspended.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">'Planos Econ&#243;micos': like the rest of the banking system in Brazil, Santander Brazil has been the target of customer complaints and collective civil suits stemming mainly from legislative changes and its application to the retribution of bank deposits (economic plans). At the end of 2017, an agreement was reached between regulatory entities and the Brazilian Federation of Banks (Febraban) with the purpose of closing the lawsuits and was approved by the Supremo Tribunal Federal (the STF and the Collective Agreement). Discussions focused on specifying the amount to be paid to each affected client according to the balance in their notebook at the time of the application of the plan. Finally, the total value of the payments will depend on the number of adhesions there may be and the number of savers who have proved the existence of the account and its balance on the date the indexes were changed. In November 2018, the STF ordered the suspension of all economic plan proceedings for two years from May 2018. On 29 May 2020,  STF approved the extension of the Collective Agreement for 5 additional years starting from 3 June 2020. Condition for this extension was to include in the Collective Agreement actions related to the 'Collor I Plan'. On May 2025, the STF issued the judgment recognizing the constitutionality of the Bresser, Ver&#227;o, Collor I and II plans, guaranteeing savers the receipt of the amounts established in the Collective Agreement and setting a deadline of 24 months for new adhesions. As of 31 December 2025, the provision recorded for the economic plan proceedings amounts to EUR 155.3&#160;million.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Banco Popular&#180;s acquisition: after the declaration of the resolution of Banco Popular, some investors filed claims against the EU&#8217;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:9.07pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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&#8217;s decision, in application of the judgments of the EGC and the CJEU.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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 resolution (C-687/23), the CJEU declared that the above referred TJUE resolutions do not apply to actions pursued prior to the entity&#8217;s resolution. There are currently no other preliminary questions under consideration. </span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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. This 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></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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. 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. After that, the proceedings will be forwarded to the Criminal Chamber of the National Court for the oral trial. </span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Regarding civil liability, the Bank considers that it has no subsidiary civil liability in light of the CJEU&#8217;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, 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:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The estimated cost of any compensation to shareholders and bondholders of Banco Popular recognized in the 2017 accounts amounted to EUR 680&#160;million, of which EUR 535&#160;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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">German shares investigation: the Cologne Public Prosecution Office is conducting an investigation against the Bank and other group entities based in the UK - Santander UK plc, Santander Financial Services Plc and Cater Allen International Limited -, 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:9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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 anticipated. For this reason, the Bank has not recognized any provisions in relation to the potential imposition of financial liabilities.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Banco Santander, S.A. was sued in a legal proceeding in which the plaintiff alleges that the Bank 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&#160;million or, an alternative relief for other minor amounts. Banco Santander, S.A. 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&#160;million.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> On 9 December 2021, the Court upheld the claim and ordered the Bank to compensate the claimant in the amount of EUR 67.8&#160;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&#160;million and clarifying that part of this amount (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:7.08pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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&#160;million, within the voluntary compliance period.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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&#160;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&#160;million. This amount was received by the Bank on 11 July 2023. </span></div><div style="margin-bottom:9pt;padding-left:7.08pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 11 April 2023, the Bank filed an extraordinary appeal for procedural infringement and an appeal in cassation against the Madrid Court of Appeal&#8217;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="text-indent:10.91pt"><span><br/></span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span id="i2f6bba6b43c7456faf1bf75d1b879f0f_39081"></span><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">CHF Polish Mortgage Loans: 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:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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:7.09pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In this context, Santander Bank Polska S.A. and Santander Consumer Bank S.A. estimate 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:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As of 31 December 2025, 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 5,874.3&#160;million (EUR 1,391.9&#160;million), of which PLN3,191.7 million (EUR 756.3&#160;million) corresponds to adjustments to the gross carrying amount under IFRS 9 and PLN 2,682.6&#160;million (EUR 635.6&#160;million) to provisions recognised under IAS 37. The adjustment to gross carrying amount in accordance with IFRS9 during 2025 amounted to PLN 99.7&#160;million (EUR 23.6&#160;million), and the additional provisions recognised under IAS 37 amounted to PLN 1245.3&#160;million (EUR 293.8&#160;million). Other costs related to the dispute amounted to PLN 730.5&#160;million (EUR 172.4&#160;million). IAS 37. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As of the same date, Santander Bank Polska S.A. held a portfolio of mortgages denominated in or indexed to CHF amounting to approximately PLN 2,642.0&#160;million (EUR 626.0&#160;million) and recognised provisions of PLN 4,766.4&#160;million (EUR 1,129.4&#160;million) to cover the CHF mortgage portfolio. Santander Consumer Bank S.A. (Poland), in turn, held a portfolio of mortgages denominated in or indexed to CHF amounting to approximately PLN 735.9&#160;million (EUR 174.4&#160;million) and recognised provisions of PLN 1,107.9&#160;million (EUR 262.5&#160;million) to cover this portfolio.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Notwithstanding the above, as detailed in Note 3 b), in January 2026 the Group sold a 49% stake in Santander Bank Polska S.A., which ceased to be consolidated within the Group&#8217;s perimeter as of that date.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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 the reporting date.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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 M&#233;xico 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:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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 (</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:130%">recurso de amparo</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">) before the First Collegiate Court of the Fourth Circuit based in Nuevo Le&#243;n, 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:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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:130%">recurso de revisi&#243;n constitucional</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">) 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:130%">recursos de reclamaci&#243;n</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">) 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="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In parallel to the foregoing, the Bank also filed an amparo against the judgment favorable to the plaintiffs rendered by the First District Court in the State of Nuevo Le&#243;n before the Collegiate Courts if such State, and in 2024, the Bank requested the Supreme Court of Justice of the Nation to take up and resolve the matter through the faculty of attraction, what is pending.</span></div></div></div><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The challenges and appeals filed by the Bank imply that the judgment rendered in favour of the plaintiffs is not final, and Santander M&#233;xico believes that the actions taken should prevail and reverse the decision against it. The impact of a potential unfavorable resolution for Santander M&#233;xico will be determined in a subsequent proceeding and will also depend on the additional actions that Santander M&#233;xico may take in its defense, so it is not possible to 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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:130%;padding-left:3.11pt">Mortgage</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> 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:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In relation to the statute of limitations, on 25 April 2024, two  judgments were rendered (cases C-561/21 and C-484/21) in which the Court of Justice of the European Union (CJEU) stated that the commencement of the statute of limitations for the reimbursement action of the mortgage expenses derived from the annulment of the clause, shall be fixed on the moment when the consumer has an effective knowledge of the abusive nature of the clause and its effects and that this date must not be fixed (a) on the date of payment of such expense nor of the execution of the agreement; (b) when the Supreme Court has handed down judgments stating the abusive nature of a clause similar to the one included in the consumer contract; nor (c) when the CJEU has handed down judgments confirming that the statute of limitations for the reimbursement action of the amounts derived from the annulment of contractual provisions is valid subject to its compliance with the principles of equivalence and effectiveness. </span></div></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The Supreme Court has confirmed this criterion in its 14 June 2024 judgment, establishing that the public dissemination of case-law declaring the abusive nature of a clause does not necessarily give rise to the limitation period of the reimbursement action derived from similar clauses. However, the 4 July 2024 judgment, rendered in the case C-450/22, the CJEU has established that it cannot be excluded a priori that, as a consequence of the occurrence of an objective event or of a notorious event, such as the amendment of the applicable legislation or a widely disseminated and debated development of jurisprudence, the court considers that the average consumer's overall perception of the floor clause has changed during the reference period and has enabled him to become aware of the potentially significant economic consequences arising from such clause. A further preliminary question concerning the statute of limitations of the reimbursement action derived from the annulment of mortgage expenses has been raised before the CJEU by the First Instance Court No 8 of La Coru&#241;a. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In December in 2024, the Supreme Court handed down two additional judgments regarding statute of limitations, in which it determines that the date to be considered for the purposes of the application of Directive 93/1994 and, consequently, the statute of limitations detailed in its previous judgments, is 31 December 1994 (i.e. the date when the deadline for its transposition ended). This is based on the principle of interpretation in accordance with directives not transposed (applicable once their transposition period has expired). The recorded provision includes the best estimate of Group&#8217;s liability for this matter.</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:130%">Banco Santander and the other Group companies are subject to claims and, therefore, are party to certain judicial and administrative 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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">With the information available to it, the Group considers that, at 31 December 2025, 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. Disputes in which risk and/or provisions have been registered but are not disclosed is justified on the basis that it would be prejudicial to the proper defense of the Group. Subject to the qualifications made, it also believes that any liability arising from such claims and proceedings will not have, overall, a material adverse effect on the Group&#8217;s business, financial position, or results of operations.</span></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other liabilities<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MiscellaneousLiabilitiesAbstract', window );"><strong>Miscellaneous liabilities [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherLiabilitiesExplanatory', window );">Other liabilities</a></td>
<td class="text">Other liabilities<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Other liabilities in the consolidated balance sheets 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:59.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.173%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Transactions in transit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">707&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">910&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">767&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Accrued expenses and deferred income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,018&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,003&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,136&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,212&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,431&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,695&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,937</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,344</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,598</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Tax matters<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MajorComponentsOfTaxExpenseIncomeAbstract', window );"><strong>Major components of tax expense (income) [abstract]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfIncomeTaxExplanatory', window );">Tax matters</a></td>
<td class="text">Tax matters<div style="margin-bottom:6pt;margin-top:9pt"><span id="ia13527740d5a4db5b27663e9d64a85bf"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:120%">a) Consolidated Tax Group</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:130%">According to current Spanish regulation, the Tax Consolidated Group includes Banco Santander, S.A. as the parent company and, as subsidiaries, those Spanish subsidiaries that meet the requirements established by the regulations on the taxation of consolidated groups.</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:130%">The other Group companies file income tax returns in accordance with the tax regulations applicable to them.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="if90a294256b1431dbbeb0da8e9af92dd"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%">b) Years open for review by the tax authorities</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:130%">In relation to the partial scope tax audit of Corporate Income Tax for fiscal year 2020 and Value Added Tax for fiscal years 2020 to 2022, initiated in April 2024, in December 2025 the Spanish tax authorities issued a Corporate Income Tax assessment, which has been appealed before the Central Economic-Administrative Court, and the VAT assessments were still pending at the close of the financial year. </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:130%">The main appeals filed against assessments issued in prior audits remain pending before the Central Economic-Administrative Court (Corporate Income Tax and Value Added Tax for fiscal years 2017 to 2019) and before the National Appellate Court (Corporate Income Tax for fiscal years 2003 to 2015). Banco Santander, S.A., as the parent company of the Tax Consolidated Group, considers, based on the advice of its external legal counsel, that the adjustments made should not have a significant impact on the consolidated annual accounts, as there are strong arguments for defense in the appeals filed against these assessments. Consequently, no provision has been recognized in this respect. Furthermore, it should be noted that, in those cases where it was considered appropriate, the available mechanisms have been used to avoid international double taxation.</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:130%">At the date of approval of these consolidated annual accounts, subsequent years up to and including 2025, are subject to review.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The other entities have the corresponding years open for review, pursuant to their respective tax regulations.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Due to possible different interpretations which can be made of the tax regulations, the outcome of the tax audits of the rest of years subject to review might give rise to contingent tax liabilities which cannot be objectively quantified. However, the Group&#8217;s tax advisers consider that it is unlikely that such tax liabilities will materialize, and that in any event the tax charge arising therefrom would not materially affect the Group&#8217;s consolidated financial statements.</span></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1015"></div><div style="margin-bottom:6pt"><span id="i26613c9677a14534a8270b0d6e89e2b6"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Reconciliation</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:130%">The reconciliation of the income tax expense calculated at the tax rate applicable in Spain (30%) to the income tax expense recognised and the detail of the effective tax rate are as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:51.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.643%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit (loss) before tax:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">From continuing operations</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,681</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,347&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,005&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">From discontinued operations</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,950</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,680&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,454&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,631</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,027&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,459&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Income tax at tax rate applicable in Spain (30%)</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,189</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,708&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,938&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">By the effect of application of the various tax rates applicable in each country</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(103)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">115&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(100)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 29.34pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Brazil</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">264</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">413&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">198&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">United Kingdom</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(42)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(53)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(51)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">United States</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(60)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(25)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(28)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Chile</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(36)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(33)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(28)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Poland</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(224)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(183)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(164)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Effect of profit or loss of associates and joint ventures</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(207)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(213)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(184)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">USA electric vehicle leasing incentives</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(203)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(258)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(259)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Global minimum tax Pillar Two</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Effect of reassessment of deferred taxes</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(101)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Permanent differences<br/>and other </span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(450)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(151)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(119)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Income tax</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 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:105%">5,131</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,283</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,276</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Effective tax rate</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24.87%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27.77</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25.98</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 29.34pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Continuing operations</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,723</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,844&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,880&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Discontinued operations</span></div><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(Note 37)</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">408</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">439&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">396&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Current taxes</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5,666</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,855&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Deferred taxes</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(535)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">428&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,292)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Income tax (receipts)/payments</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,954</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,880&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,214&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Calculated by applying the difference between the tax rate applicable in Spain and the tax rate applicable in each jurisdiction to the profit or loss contributed to the Group by the entities which operate in each jurisdiction.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i0aa886292ebb45f495e193e815c05936"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Tax recognised in equity</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:130%">In addition to the income tax recognised in the consolidated income statement, the Group recognised the following amounts in consolidated equity in 2025, 2024 and 2023:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:57.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.791%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other comprehensive income</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Items not reclassified to profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">115</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">85</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">358</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Actuarial gains or (-) losses on defined benefit pension plans</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">172&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">302&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities at fair value with changes in results attributable to changes in credit risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(83)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Items that may be reclassified to profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(440)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">54</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(919)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(207)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(205)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(732)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of debt instruments through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(204)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">261&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(214)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging instruments (items not designated)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:105%">3&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Non-current assets held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32)</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other recognised income and expense of investments in subsidiaries, joint ventures and associates</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(325)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">139</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(561)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i66a5b4c0da6f4a2389480e2125b425df"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">e) Deferred taxes</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:130%">'Tax assets' in the consolidated balance sheets includes debit balances with the Public Treasury relating to deferred tax assets. 'Tax liabilities' includes the liability for the Group&#8217;s various deferred tax liabilities.</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:130%">In accordance with EU Regulation 575/2013 on prudential requirements for credit institutions and investment firms (CRR), and subsequently amended by EU Regulation 2019/876 of the European Parliament and of the Council, those deferred tax assets that do not rely on future profitability arising from temporary differences (referred to hereinafter as 'monetizable deferred tax assets&#8217;), meeting certain conditions, should not be deducted from regulatory capital and should not be risk-weighted at 250% according to the thresholds set out in Article 48 of the said Regulation, but shall apply a risk weight of 100% under Article 39.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of deferred tax assets, by classification as monetizable or non-monetizable assets, and of deferred tax liabilities at 31 December 2025, 2024 and 2023 is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.468%"><tr><td style="width:1.0%"></td><td style="width:27.887%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.783%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.176%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.783%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.176%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.783%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.180%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Monetizable</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Monetizable</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Monetizable</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Tax assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,725</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,219</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 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:105%">10,309</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,861</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 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:105%">11,099</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,668</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Tax losses and tax credits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,354&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,367&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,393&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Temporary differences</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,725&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,865&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,309&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,494&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,099&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,275&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 5.5pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Non-deductible provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,970&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,784&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,965&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Valuation of financial instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">810&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,486&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,543&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Loan losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,471&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,341&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,880&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,103&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,248&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,577&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,254&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">426&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,429&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">423&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,851&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">665&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Valuation of tangible and intangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">832&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">885&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,060&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Tax liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,904</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,276</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Temporary differences</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,904&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,276&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,086&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 5.5pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Valuation of financial instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,980&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,412&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,059&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Valuation of tangible and intangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,714&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,797&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,594&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Investments in Group companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">427&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">403&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">378&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:112%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:112%;padding-left:0.46pt">In 2023, the Spanish Economic Administrative Court ruled that in 2017 the requirements for the conversion of part of the monetizable assets of Popular Group into a credit against the Tax Administration were met, allowing the conversion to EUR 995&#160;million. Banco Santander was refunded without impact on results. The favourable Economic Administrative Court decision was declared harmful to the public interests and challenged at the National Appellate Court by the Tax Administration. The estimation of this appeal, which is pending at the National Appellate Court,  would imply that Grupo Santander should repay the amount refunded and would, once again, credit these monetizable assets with no impact on results except for late payment interests. However, it is considered that there are strong defense arguments in relation to this appeal.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander only recognises deferred tax assets for temporary differences or tax loss and tax credit carryforwards where it is considered probable that consolidated entities that generated them will have sufficient future taxable profits against which they can be utilised.</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:130%">The deferred tax assets and liabilities are reassessed at the reporting date in order to ascertain whether any adjustments need to be made on the basis of the findings of the analyses performed.</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:130%">These analyses take into consideration all evidence, both positive and negative, of the recoverability of such deferred tax assets, among which we can find, (i) the results generated by the different entities in previous years, (ii) the projections of results of each entity or fiscal group, (iii) the estimation of the reversal of the different temporary differences according to their nature and (iv) the period and limits established under the applicable legislation of each country for the recovery of the different deferred tax assets, thus concluding on the ability of each entity or fiscal group to recover the deferred tax assets registered.</span></div><div><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The projections of results used in this analysis are based on the financial planning approved by both the local directions of the corresponding units and by the Group's directors. The Group's budget estimation process is common for all units. The Group's management prepares its financial planning based on the following key assumptions:&#160;</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.31pt">Microeconomic variables of the entities that make up the fiscal group in each location: the existing balance structure, the mix of products offered and the commercial strategy at each moment defined by local directions are taken into account, based on the competition, regulatory and market environment.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.01pt">Macroeconomic variables: estimated growths are based on the evolution of the economic environment considering the expected evolution in the gross domestic product of each location, and the forecasts of interest rates, inflation and exchange rates fluctuations. These data are provided by the Group&#8217;s Studies Service.</span></div><div><span><br/></span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Additionally, the Group performs retrospective contrasts (backtesting) on the variables projected in the past. The differential behaviour of these variables with respect to the real market data is considered in the projections estimated in each fiscal year. Thus, and in relation to Spain, the deviations identified by the Directors in recent past years are due to a combination of exogenous factors, mainly the changing impact of the macroeconomic environment and competition, and management actions, such as the acceleration of restructuring plans, investment in digitalisation, and the optimisation of capital and shareholder returns.</span></div><div><span><br/></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:130%">Finally, and given the degree of uncertainty of these assumptions on the referred variables, the Group conducts a sensitivity analysis of the most significant assumptions considered in the deferred tax assets&#8217; recoverability analysis, considering any reasonable change in the key assumptions on which the projections of results of each entity or fiscal group and the estimation of the reversal of the different temporary differences are based.</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:130%">In relation to Spain, the sensitivity analysis has consisted of making reasonable changes to the key assumptions, including adjusting 50 basis points for growth (gross domestic product) and adjusting 50 basis points for inflation. </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:130%">Relevant information is set forth below for the main countries which have recognised deferred tax assets:</span></div><div style="margin-bottom:3pt"><span id="if142b00e448b431b8a9c014068ed5e1c"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Spain</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:130%">The deferred tax assets recognised at the Consolidated Tax Group total EUR 7,183 million, of which EUR 5,069&#160;million were for monetizable temporary differences with the right to conversion into a credit against the tax administration as explained before, EUR 1,433&#160;million for other temporary differences and EUR 681&#160;million for tax losses and credits.</span></div><div style="margin-bottom:3pt"><span id="i1fd813ebcb214787a9600f5c2281a9eb"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Brazil</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:130%">The deferred tax</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> assets recognised in Brazil total EUR 7,465, of which EUR 5,606&#160;million were for monetizable temporary differences, EUR 1,150 for other temporary differences and EUR 709 for tax losses </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">and credits.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4a9e18696013435e838194aee4c4af4e"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Mexico</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%">The deferred tax assets recognized in Mexico total EUR 1,542, of which EUR 1,511 were for temporary differences and EUR 31 for tax losses and credits.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i405ed2d890bf4a1bb9300f668b1d6752"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">United States</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:130%">The deferred tax assets recognised in the United States total EUR 1,026, of which EUR 253 were for temporary differences and EUR 773 for tax losses and credits. </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:130%">The Group estimates that the recognised deferred tax assets for temporary differences, tax losses and credits in the different jurisdictions could be recovered in a maximum period of 15 years.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in Tax assets&#160;- Deferred and Tax liabilities&#160;- Deferred in the last three&#160;years were as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:20.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.492%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.608%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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"></td><td colspan="3" style="padding:2px 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:105%">Balance at 1 January 2025</span></td><td colspan="3" style="padding:2px 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:105%">(Charge)/Credit to income</span></td><td colspan="3" style="padding:2px 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:105%">Foreign currency balance translation differences and other items</span></td><td colspan="3" style="padding:2px 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:105%">(Charge)/Credit to asset and liability valuation adjustments</span></td><td colspan="3" style="padding:2px 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:105%">Reclassification no-current asset held for sale</span></td><td colspan="3" style="padding:2px 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:105%">Acquisition for the year (net)</span></td><td colspan="3" style="padding:2px 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:105%">Balance at 31 December 2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deferred tax assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,170</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,107</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(102)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(132)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,130)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,944</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax losses and tax credits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,367&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(107)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,354&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Temporary differences</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,803&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,025&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(132)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,130)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,590&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which monetizable</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,309&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">455&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(39)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,725&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred tax liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6,276)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(572)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">108</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(232)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,064</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5,904)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Temporary differences</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6,276)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(572)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">108&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(232)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,064&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,904)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,894</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">535</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(364)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(66)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,040</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:30.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.492%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.607%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Balance at 1 January 2024</span></td><td colspan="3" style="padding:2px 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:105%">(Charge)/Credit to income</span></td><td colspan="3" style="padding:2px 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:105%">Foreign currency balance translation differences and other items</span></td><td colspan="3" style="padding:2px 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:105%">(Charge)/Credit to asset and liability valuation adjustments</span></td><td colspan="3" style="padding:2px 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:105%">Acquisition for the year (net)</span></td><td colspan="3" style="padding:2px 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:105%">Balance at 31 December 2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deferred tax assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,767</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">119</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,670)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(41)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,170</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax losses and tax credits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,393&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">114&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(139)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,367&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Temporary differences</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,374&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,531)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(41)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,803&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which monetizable</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,099&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">147&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(937)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,309&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred tax liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6,086)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(547)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">142</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">215</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6,276)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Temporary differences</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6,086)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(547)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">142&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">215&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6,276)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,681</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(428)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,528)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">174</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,894</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:30.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.492%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.607%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Balance at 1 January 2023</span></td><td colspan="3" style="padding:2px 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:105%">(Charge)/Credit to income</span></td><td colspan="3" style="padding:2px 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:105%">Foreign currency balance translation differences and other items</span></td><td colspan="3" style="padding:2px 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:105%">(Charge)/Credit to asset and liability valuation adjustments</span></td><td colspan="3" style="padding:2px 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:105%">Acquisition for the year (net)</span></td><td colspan="3" style="padding:2px 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:105%">Balance at 31 December 2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deferred tax assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,787</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">629</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(130)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(422)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(97)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,767</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax losses and tax credits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,778&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">392&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">224&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,393&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Temporary differences</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,009&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">237&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(354)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(422)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(96)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,374&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which monetizable</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,660&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,232&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(787)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,099&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred tax liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6,428)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">663</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(338)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6,086)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Temporary differences</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6,428)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">663&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(338)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6,086)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,359</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,292</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(127)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(760)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(83)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,681</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%">Also, the Group did not recognise deferred </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%">tax assets amounting to approximately EUR 11,240&#160;million  of which EUR 6,420&#160;million relate to tax losses, EUR 3,430&#160;million to tax credits, and EUR 1,390&#160;million to other concepts.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="ic793f70263a0443cb47037278ae931ba"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%">f) Global Minimum Tax Pillar Two </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:130%">The Global Minimum Tax Model Rules, known as Pillar Two and approved in 2021 by the OECD Inclusive Framework, require multinational groups with revenues exceeding EUR 750 million to be subject to a minimum tax rate of 15% on adjusted accounting profit, calculated on a jurisdiction-by-jurisdiction basis. The OECD has complemented these rules through the approval of administrative guidance and a document on transitional safe harbours applicable to fiscal years 2024 to 2026. In January 2026, the application of the transitional safe harbours was extended for an additional year, and new permanent safe harbours were approved with the aim of simplifying the application of the Model Rules and implementing the 'side-by-side agreement' reached in June 2025 within the G7, which will apply from 2026 to multinational groups with a U.S. parent company.</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:130%">In the European Union, in December 2022, the Council approved Directive (EU) 2022/2523 on ensuring a global minimum level of taxation for multinational enterprise groups and large scale domestic groups in the Union, setting 1 January 2024 as the entry-into-force date of the new minimum taxation. The Directive implements the OECD Inclusive Framework Pillar Two rules within the European Union, while also extending their application to large domestic groups.</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:130%">In Spain, on 20 December 2024, Law 7/2024 was approved, establishing a Supplementary Tax to ensure a global minimum level of taxation for multinational groups and large domestic groups, effective as from 1 January 2024. This Law transposes Directive (EU) 2022/2523 and also establishes a domestic supplementary tax aligned with the Pillar Two rules. In April 2025, Royal Decree 252/2025 was published, approving the implementing regulations of the Law.</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:130%">With regard to other jurisdictions, the rules on the new global minimum tax are already in force in most of the main geographies in which the Group operates, with the exception of Mexico, Chile, and Argentina.</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:130%">The Pillar Two rules require calculating, in each jurisdiction in which the Group operates, the effective tax rate resulting from comparing income tax expense with accounting profit, both subject to certain adjustments. If, in a given jurisdiction, this rate is below 15%, Banco Santander, as the ultimate parent entity, must pay the difference to the Spanish tax authorities as a supplementary tax, unless a domestic supplementary tax aligned with the Pillar Two rules (a qualified domestic tax) has been approved in that jurisdiction, in which case the amount will be paid to the local tax authorities.</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:130%">Both Banco Santander, S.A., as the ultimate parent entity, and the subsidiaries resident in jurisdictions where a qualified domestic tax has been approved, have estimated the supplementary taxes accrued, taking into account the application of the transitional safe harbours in fiscal years 2024 and 2025.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">These safe harbours mean that the supplementary tax, whether at the level of the parent entity or in jurisdictions that have adopted a qualified domestic tax, is not payable provided that any of the </span><span style="color:#000000;font-family:'Aptos',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">f</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ollowing conditions are met: (i) the effective tax rate calculated based on country-by-country reporting data exceeds 15% in 2024 and 16% in 2025; (ii) the Group&#8217;s presence in a jurisdiction is not significant if below EUR 10 million and profit before tax is below EUR 1 million; or (iii) profit before tax is lower than the amount resulting from the sum of tangible fixed assets and employee expenses adjusted by a certain percentage that varies annually.</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:130%">This supplementary tax expense recognized by the Group has not been significant, as the effective tax rates calculated in accordance with the Pillar Two rules in most of the jurisdictions in which the Group operates are above 15%. Nevertheless, the new regulations require the provision of a large amount of information to the tax authorities in the jurisdictions where the Group is present, broken down on an entity-by-entity basis, which involves a significant administrative burden.</span></div><div style="margin-bottom:6pt;text-align:justify"><span id="iea97509ef1424cf792cf0322f7bedc09"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%">g) Tax reforms</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:130%">In 2025 and prior years, the following significant tax reforms were approved:</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:130%">In Spain, in 2022, Law 38/2022 was approved, establishing a temporary levy payable by credit institutions and financial credit institutions in fiscal years 2023 and 2024. The levy amounted to 4.8% of the sum of net interest income and net fees and commissions from the activity carried out in Spain in the previous year. The payment obligation arose on the first day of each fiscal year. The expense recognized for this temporary levy amounted to EUR 224&#160;million in 2023 and EUR 334&#160;million in 2024. However, the tax authorities have audited both years and consider that an additional amount is payable due to differences in the criteria applied in determining the taxable base, which are currently being discussed by the Bank. Furthermore, the Law established, for 2023, a 50% limitation on the inclusion of individual tax losses in the taxable base of the Tax Consolidated Group, setting a 10-year period for the reversal of this positive adjustment.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 20 December 2024, Law 7/2024 was approved, which, among other tax measures, introduced a tax on the net interest margin and commissions earned in Spanish territory by certain financial institutions, with accrual on 1 January of fiscal years 2025, 2026 and 2027. The taxable base, with certain changes compared to that of the temporary levy, is now calculated on an individual basis for each financial institution, and the tax liability is determined in accordance with a progressive rate scale ranging from 1% to 7%, after applying certain deductions. On 24 December 2024, Royal Decree-Law 9/2024 was published in the Official State Gazette, amending certain technical aspects of the tax and postponing its accrual to 31 January of those fiscal years. This Royal Decree-Law was abolished on 22 January 2025 and, therefore, no expense was recognized for the new tax in respect of 2024 income in accordance with the legislation in force at that time (EUR 392&#160;million were paid during the year). In 2025, the expense corresponding to income accrued during the financial year, recognised as income tax, amounts to &#8364;353&#160;million and will be paid in 2026. The Group considers that both the temporary levy and the tax on net interest margin and fees and commissions are contrary to the Spanish and European Union constitutional and legal principles and has therefore disputed the corresponding self-assessments, requesting a refund of the amounts paid.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Additionally, the aforementioned Law 7/2024 once again establishes, for fiscal years 2024 and 2025, a 50% limitation on the inclusion of individual tax losses in the taxable base of the Tax Consolidated Group, setting a 10-year period for the reversal of this positive adjustment. Likewise, this Law reintroduces the limits provided for in Royal Decree-Law 3/2016&#8212;which was declared unconstitutional by the Constitutional Court ruling of 18 January 2024&#8212;on the utilization of monetizable deferred tax assets and the offsetting of tax losses (with the limit reduced from 70% to 25%), as well as on the application of deductions to avoid double taxation (50%), and also reinstates the mandatory reversal of impairments on shareholdings that were deductible in prior years by third parties, regardless of any recovery in the value of the investees.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In Brazil, Law 14,467 enacted in 2022 with effect from 2025, amends the rules on the tax deductibility of credit provisions in financial institutions, bringing those rules closer to the accounting recognition criterion. In 2024, Law 15,078 was published, allowing the recovery of the accumulated balance of provisions of nondeductible loans at the end of 2024 within a seven-year period (with the option to extend to ten years) from January 2026.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2025, several Legislative Decrees and decisions of the Federal Supreme Court were published concerning the Financial Transactions Tax (IOF), amending the applicable rules and setting new rates for its various categories: (i) IOF Credit (local loans to legal entities increased from 1.88% to a maximum of 3.37% per annum); (ii) IOF Insurance (a 5% rate was introduced on the excess of certain contributions to life insurance policies); and (iii) IOF Foreign Exchange (payments for the import of services and royalties paid abroad rose from 0.38% to 3.5%).</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In December 2023, Congress approved Constitutional Amendment 132/2023 on indirect taxation reform, initiating the legislative development process, which culminated in the enactment of Supplementary Laws 214/2025 in January 2025 and 227/2026 in January 2026. This reform replaces the various existing indirect taxes in Brazil, -applicable at the federal, regional and municipal levels-, with two taxes administered at federal level (contribution on goods and services and selective tax) and other administered at regional and municipal levels (tax on goods and services). The new system will be gradually implemented over a transitional period of 8 years (from 2026 to 2033). </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2024, Law No. 14.973/2024 partially extended, until 31 December 2027, an optional social contribution regime for employees applicable to certain sectors of activity, allowing such contributions to be calculated as a percentage of gross income (ranging from 1% to 4.5%, depending on the sector), rather than under the general regime, which applies a 20% rate to employee payroll.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In November 2025, Law No. 15.270 was published which, among other measures, introduced a 10% withholding tax on ordinary dividends paid abroad as from 1 January 2026.</span></div><div><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In December 2025, Supplementary Law No. 224 was enacted, which, among other measures: (i) increased the withholding tax on Interest on equity (juros sobre o capital pr&#243;prio) from 15% to 17.5%; (ii) raised the CSLL rate applicable to non-bank financial institutions as from 1 April 2026 on a gradual basis: payment institutions to 12% in 2026 and 2027, and 15% as from 2028; and credit, financing and capitalisation companies to 17.5% in 2026 and 2027, and 20% as from 2028 (the rate for banks remains at 20% and for other financial institutions at 15%), and (iii) introduced an automatic 10% reduction in the amount of certain federal tax incentives as from 2026.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In Argentina, as from 23 December 2024, Tax for an Inclusive and Solidarity Argentina (PAIS), which imposed certain foreign currency purchasing operations in order to make payments abroad, has been eliminated. Likewise, General Resolution (AFIP) No. 5,554 repeals, with effect from 1 September 2024, the obligation to withhold VAT and income tax on electronic payments. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In Chile, Law 27,713 on Tax Compliance Obligations was published in October 2024, amending, among other instruments, the Tax Code, the Income Tax Law and the Value Added Tax Law. Additionally, in July 2024, Law No. 21,681 was published, which, among other measures, introduced a new Substitute Tax of Final Tax, allowing the distribution of taxable profits at a fixed rate of 12% until 31 January 2025, thereby reducing the fiscal cost of such distributions.</span></div><div><span><br/></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:130%">In Mexico, the Federal Revenue Law for Fiscal Year 2026 was published in November 2025, limiting the deductibility of contributions paid to the Institute for the Protection of Bank Savings (IPAB) to 25% of their amount and amending the tax treatment of loan loss provisions, bringing them into line with the regime applicable to other entities.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In the United States, Law 119-21 ('One, Big, Beautiful Bill Act') was passed in July 2025, introducing significant regulatory changes. Notable among these are the repeal of tax credits linked to electric vehicles as from 1 October 2025 (while preserving those already generated), the elimination of the obligation to capitalise and amortise the costs of in-house software development (which will now be deductible), and the reintroduction of accelerated tax depreciation for investments in certain tangible assets.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In Portugal, a gradual reduction of the corporate income tax rate has been approved, falling from 20% in 2025 to 19% in 2026, 18% in 2027 and 17% in 2028 and subsequent years. Including the municipal surtax of up to 1.5% and the state surtax of up to 9%, this results in an aggregate combined rate of 30.50%, 29.50%, 28.50% and 27.50%, respectively.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In Poland, one of the most significant changes to the tax framework is the increase in the corporate income tax rate for banks, from 19% to 30% in 2026, followed by a reduction to 26% in 2027 and 23% in 2028 and subsequent years.</span></div><div><span><br/></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:130%">In Germany, the Tax Investment Programme to Strengthen Germany&#8217;s Economic Base was passed in July. It provides for a gradual annual one-percentage-point reduction in the corporate income tax rate from 2028, falling from the current 15% to 10% by 2032. In Germany, the combined corporate income tax and municipal trade tax rate&#8212;which also applies to business profits&#8212;is currently 32.45% and will decrease to 27.18% by 2032.</span></div></div></div><div style="margin-bottom:6pt"><span id="icc86d6abde6f48a7b323d558df08bc8f"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:115%">h) Other information </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:130%">In compliance with the disclosure requirement established in the listing rules&#160;instrument 2005 published by the UK Financial Conduct Authority, it is hereby stated that shareholders of the Bank resident in the United Kingdom will be entitled to a tax credit for taxes paid abroad in respect of withholdings that the Bank has to pay on the dividends to be paid to such shareholders if the total income of the dividend exceeds the amount of exempt dividends of GBP 500 for the year 2025/26 (GBP 500 for the year 2024/25). The shareholders of the Bank resident in the United Kingdom who hold their ownership interest in the Bank through Santander Nominee Service will be informed directly of the amount thus withheld and of any other data they may require to complete their tax returns in the United Kingdom. The other shareholders of the Bank resident in the United Kingdom should contact their bank or securities broker.</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:130%">Banco Santander, S.A., is part of the Large Business Forum and has adhered since 2010 to the Code of Good Tax Practices in Spain. Also Santander UK is a member of the HMRC&#8217;s (His Majesty's Revenue and Customs) Code of Practice on Taxation in the United Kingdom and Santander Portugal has adhered to the Code of Good Tax Practices in Portugal, actively participating in the cooperative compliance programs being developed by these Tax Administrations.</span></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Non-controlling interests<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonControllingInterestsAbstract', window );"><strong>Non-Controlling Interests [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNoncontrollingInterestsExplanatory', window );">Non-controlling interests</a></td>
<td class="text">Non-controlling interests<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Non-controlling interests include the net amount of the equity of subsidiaries attributable to equity instruments that do not belong, directly or indirectly, to the Bank, including the portion attributed to them of profit for the&#160;year.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i02ea9a54c8de4ab78a99b48ffccca763"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown</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:130%">The detail, by Group company, of 'Equity&#160;- Non-controlling interests' 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:59.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.173%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Santander Bank Polska S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,670&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,320&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,934&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Grupo PSA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,815&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,725&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,590&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander - Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,422&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,364&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,379&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander (Brasil) S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,397&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,257&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,493&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other companies</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">875&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">890&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,315&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,179</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,556</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,711</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Profit/(Loss) for the year attributable to non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,399&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,170&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,107&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Grupo PSA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">230&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">217&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">285&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander - Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">313&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">271&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">235&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander (Brasil) S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">184&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">233&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">182&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Santander Bank Polska S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">604&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">413&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">347&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Other companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">68&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">58&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,578</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,726</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,818</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">It included, as of 31 December 2023, perpetual Santander UK plc equity instruments convertible at the option of Santander UK plc into preferred shares of the entity itself amounting EUR 576&#160;million. During 2024, the last outstanding issuance held by third parties for GBP 500&#160;million (EUR 590&#160;million) was redeemed.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i6c8562a07d4344eaa0bfcc6ba4bcf4fa"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Changes</span></div><div style="margin-bottom:2pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in Non-controlling interests are summarised as follows:</span></div><div style="margin-bottom:2pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:57.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.791%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Balance at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,726&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,818&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,481&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(461)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">297&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">779&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">369&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Profit attributable to non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,399&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,170&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,107&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Modification of participation rates</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">339&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">395&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(258)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Change of perimeter</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(5)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(364)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Dividends paid to minority shareholders</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(896)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(660)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(748)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Changes in capital and other concepts</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(58)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(528)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">303&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,578</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,726</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,818</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Include the effects of the accelerated placements of 3.5% and 5.2% of the share capital of Santander Bank Polska S.A. in 2025 and 2024, respectively, and the public offer for the acquisition of shares of Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico that occurred in 2023 (see note 3.b).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Includes the effects of the amortization of AT1 UK by EUR 590&#160;million at closing of fiscal year 2024.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The foregoing changes are shown in the consolidated statement of changes in total equity.</span></div><div style="margin-bottom:6pt;margin-top:9pt;padding-right:263.62pt"><span id="i09a6330868ec4ef3988d62b7a0b4a862"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Other information</span></div><div style="margin-bottom:12pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The financial information on the subsidiaries with significant non-controlling interests at 31 December 2025 is summarised below:</span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.392%"><tr><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.87pt;font-weight:400;line-height:105%;position:relative;top:-2.62pt;vertical-align:baseline">A</span></div></td></tr><tr><td colspan="3" style="padding:0 8.09pt 0 1pt;text-indent:-7.09pt"><div style="margin-bottom:6pt;padding-right:7.09pt;text-align:justify;text-indent:-7.09pt"></div></td><td colspan="3" style="padding:2px 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:105%">Santander Bank Polska S.A.</span></td><td colspan="3" style="padding:2px 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:105%">Banco Santander (Brasil) S.A.</span></td><td colspan="3" style="padding:2px 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:105%">Banco Santander - Chile</span></td><td colspan="3" style="padding:2px 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:105%">Grupo PSA</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">78,186&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">209,453&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68,205&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,826&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">70,380&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">193,380&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,604&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,717&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,806</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,073</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,601</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,109</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,724&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,602&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,714&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,305&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total profit</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,528</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,388</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,043</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">460</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of non-controlling interests. [Refer: Non-controlling interests]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other comprehensive income<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfOtherComprehensiveIncomeAbstract', window );"><strong>Disclosure Of Other Comprehensive Income [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemExplanatory', window );">Other comprehensive income</a></td>
<td class="text">Other comprehensive income<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The balances of 'Other comprehensive income' include the amounts, net of the related tax effect, of the adjustments to assets and liabilities recognised in equity through the consolidated statement of recognised income and expense. The amounts arising from subsidiaries are presented, on a line by line basis, in the appropriate items according to their nature.</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:130%">Respect to items that may be reclassified to profit or loss, the consolidated statement of recognised income and expense includes changes in other comprehensive income as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Revaluation gains (losses): includes the amount of the income, net of the expenses incurred in the year, recognised directly in equity. The amounts recognised in equity in the year remain under this item, even if in the same year they are transferred to the income statement or to the initial carrying amount of the assets or liabilities or are reclassified to another line item.</span></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;margin-top:27pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Amounts transferred to income statement: includes the amount of the revaluation gains and losses previously recognised in equity, even in the same year, which are recognised in the income statement.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Amounts transferred to initial carrying amount of hedged items: includes the amount of the revaluation gains and losses previously recognised in equity, even in the same year, which are recognised in the initial carrying amount of assets or liabilities as a result of cash flow hedges.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Other reclassifications: includes the amount of the transfers made in the year between the different 'Other comprehensive income' items.</span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i37ce6061130a4953b42677c344ab40f3"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown of Other comprehensive income - Items that will not be reclassified in results and Items that can be classified in results</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.504%"><tr><td style="width:1.0%"></td><td style="width:69.916%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.611%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.459%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.614%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.87pt;font-weight:400;line-height:105%;position:relative;top:-2.62pt;vertical-align:baseline">A</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 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:105%">2025</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other comprehensive income</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(37,974)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(36,595)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(35,020)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Items that will not be reclassified to profit or loss</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,121)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,757)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5,212)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Actuarial gains and losses on defined benefit pension plans</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,896)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,404)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,324)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-current assets held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Share in other income and expenses recognised in investments, joint ventures and associates</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other valuation adjustments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">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:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(250)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(432)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(776)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Inefficiency of fair value hedges of equity instruments measured at fair value with changes in other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income (hedged item)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">208&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">284&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">264&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income (hedging instrument)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(208)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(284)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(264)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of financial liabilities measured at fair value through profit or loss attributable to changes in credit risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(113)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Items that may be reclassified to profit or loss</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(33,853)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(31,838)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(29,808)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Hedges of net investments in foreign operations (Effective portion)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,343)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8,002)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8,684)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(25,475)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(22,375)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(19,510)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives. Cash flow hedges (Effective portion)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">333&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(298)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(740)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">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:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(372)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(736)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(555)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging instruments (items not designated)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-current assets classified as held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(590)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Share in other income and expenses recognised in investments, joint ventures and associates</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(395)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(427)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(319)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net amount of taxes and minorities</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i85def64fdd5244ef832565bedcad1013"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Other comprehensive income- Items not reclassified to profit or loss &#8211; Actuarial gains or (-) losses on defined benefit pension plans </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:130%">'Other comprehensive income&#160; &#8212;Items not reclassified to profit or loss&#8212;&#160; Actuarial gains or (-) losses on defined benefit pension plans' include the actuarial gains and losses and the return on plan assets, less the administrative expenses and taxes inherent to the plan, and any change in the effect of the asset ceiling, excluding amounts included in net interest on the net defined benefit liability (asset), attributed to the group net of taxes.</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:130%">In 2025, the amount of actuarial losses (net of actuarial gains) recognized in the consolidated statement of recognised income was EUR 73 million, which corresponds to:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In first place, due to the addition against equity of 2025 amounting to EUR 220 million - see note&#160;25.b&#160;-, with the following breakdown:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Increase of EUR 117 million in the cumulative actuarial losses relating to the Group&#180;s businesses in the UK, mainly due to the evolution of the asset portfolio. These losses have been partially offset by the evolution experienced in the discount rate-increase from 5.54% to 5.58%- in long-term inflation -decrease from 3.11% to 2.90%- and in other demographic hypotheses.</span></div><div style="margin-bottom:9pt;text-indent:10.91pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Increase of EUR 116 million in accumulated actuarial losses corresponding to the Group&#8217;s business in Brazil, mainly due to  the collective experience and the evolution of the asset portfolio. These losses have been partially offset by the evolution experienced by the discount rate -increase from 10.58% to 10.65% in the main pension benefits and 10.50% to 10.52% in medical benefits-.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Decrease of EUR 33 million in the accumulates actuarial losses relating to the Group&#180;s entities in Spain, mainly due to the evolution experienced by the discount rate -increase from 3.00% to 3.75%-.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Increase of EUR 20 million in the accumulated actuarial losses corresponding to the Group's businesses in other geographical areas.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In second place, due to the evolution of exchange rates, a EUR 147 million decrease.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4b537130286940c58c0e2f4aad091974"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Other comprehensive income - Items that will not be reclassified in results - 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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Since the entry into force of IFRS 9, no impairment analysis is performed of equity instruments recognised under 'Other comprehensive income'. IFRS 9 eliminates the need to carry out the impairment estimate on this class of equity instruments and the reclassification to profit and loss on the disposal of these assets, being recognised at fair value with changes in equity.</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:130%">The following is a breakdown of the composition of the balance as of 31 December 2025, 2024 and 2023 under 'Other comprehensive income - Items that will not be reclassified to profit or loss - Changes in the fair value of equity instruments measured at fair value with changes in other global result' depending on the geographical origin of the issuer:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:14.17pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"></td><td style="width:29.257%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.313%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Capital gains by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Capital losses by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net gains/losses by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair Value</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Domestic</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1326)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1,279)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">133&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">75&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(81)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">186&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Latin America and rest</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,013&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,013&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,926&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt 0 7.75pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,158</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,408)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(250)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,281</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Publicly listed</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,033&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(49)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">985&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,993&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Non publicly listed</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">125&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,359)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,235)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">288&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"></td><td style="width:29.257%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.313%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Capital gains by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Capital losses by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net gains/losses by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair Value</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Domestic</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1,328)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1,289)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">117&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">131&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(71)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">60&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">299&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Latin America and rest</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">775&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">775&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,753&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">967</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,399)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(432)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Publicly listed</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">779&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(51)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">728&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,780&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Non publicly listed</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">188&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,348)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,160)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">413&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"></td><td style="width:29.257%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.313%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Capital gains by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Capital losses by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net gains/losses by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair Value</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Domestic</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1,173)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1,141)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">252&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">117&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(71)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">46&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">267&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Latin America and rest</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">370&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(67)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">303&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,223&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt 0 7.75pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">535</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,311)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(776)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,761</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Publicly listed</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">316&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(118)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">198&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,225&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Non publicly listed</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">219&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(1,193)</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(974)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">536&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="idcd264dac29b45429a3deab37d601ee3"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Other comprehensive income - Items that may be reclassified to profit or loss - Hedge of net investments in foreign operations (effective portion) and exchange differences</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:130%">The change in 2025 reflects the depreciation of the US dollar, pound sterling, Argentine peso, Chilean peso and Brazilian real and the positive effect of the appreciation of the Mexican peso, whereas the change in 2024 reflected the positive effect of the appreciation of pound sterling, the US dollar and Polish zloty and the negative effect of the depreciation of the Brazilian real, Argentine peso, Mexican peso and Chilean peso. The change in 2023 reflected  the positive effect of the appreciation of the Brazilian real, pound sterling, Polish zloty and the Mexican peso and the negative effect of the depreciation of the US dollar, Argentine peso and Chilean peso.</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:130%">Of the change in the balance in these years, a </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:130%">loss</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> of EUR 287 million, a loss of EUR 568 million and a profit of EUR 249 million in 2025, 2024 and 2023, respectively relate to the measurement of goodwill.</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:130%">The detail, by country 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:42.109%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.729%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net balance at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32,818)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(30,377)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(28,194)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Brazilian real</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(19,412)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(19,293)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(16,340)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Mexican peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(4,137)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3,995)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,942)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Pound sterling</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(4,125)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3,444)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3,964)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Chilean peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(2,926)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,857)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,531)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Argentine peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(2,217)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,090)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,655)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Polish zloty</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(43)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(709)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(786)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">US dollar</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,047&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,923&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,819&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1,005)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(912)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(795)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The breakdown of translation differences by currency is as follows</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"></td><td style="width:18.929%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.324%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.324%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.324%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.324%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.324%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.324%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.327%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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:2px 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:105%">2025</span></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="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Of which:</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Currency</span></td><td colspan="3" style="padding:2px 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:105%">Balance at the beginning of the year</span></td><td colspan="3" style="padding:2px 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:105%">Balance at the end of the year</span></td><td colspan="3" style="padding:2px 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:105%">Movement</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From goodwill</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">From results</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From net assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">From transfers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Brazilian real</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16,664)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16,755)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(91)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(41)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(37)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pound sterling</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,300)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,126)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(826)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(48)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(18)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(760)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexican peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,437)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,222)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">215&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">164&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentine peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,090)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,216)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(126)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(126)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chilean peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,180)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,249)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(69)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(66)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US dollar</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,462&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,340&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,122)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(225)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(48)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,849)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Polish zloty</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(202)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">220&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">215&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(964)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,265)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(301)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(306)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(22,375)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(25,475)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(3,100)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(287)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(52)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(2,976)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">215</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Profit and loss items are translated into euros at the average exchange rate for the year as described in note 2 a) ii.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">It includes the accumulated exchange differences of Santander Polska transferred to the heading 'Other comprehensive income - Items that may be reclassified to profit or loss - Non-current assets held for sale' (see Note 12).</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:18.900%"></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:12.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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:2px 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:105%">2024</span></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="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Of which:</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Currency</span></td><td colspan="3" style="padding:2px 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:105%">Balance at the beginning of the year</span></td><td colspan="3" style="padding:2px 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:105%">Balance at the end of the year</span></td><td colspan="3" style="padding:2px 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:105%">Movement</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From goodwill</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">From results</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From net assets</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Brazilian real</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,287)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16,664)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,377)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(631)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(206)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,540)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pound sterling</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,064)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,300)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">764&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">703&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexican peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(64)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,437)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,373)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(82)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(136)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,155)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentine peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,658)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,090)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chilean peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,890)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,180)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(290)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(34)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(249)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US dollar</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,433&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,462&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,029&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">116&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">878&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Polish zloty</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(325)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(202)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">123&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">84&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(655)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(964)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(309)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(291)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(19,510)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(22,375)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(2,865)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(568)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(295)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(2,002)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Profit and loss items are translated into euros at the average exchange rate for the year as described in note 2 a) ii.</span></div><div style="text-indent:3.82pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:18.900%"></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:12.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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:2px 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:105%">2023</span></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="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Of which:</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Currency</span></td><td colspan="3" style="padding:2px 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:105%">Balance at the beginning of the year</span></td><td colspan="3" style="padding:2px 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:105%">Balance at the end of the year</span></td><td colspan="3" style="padding:2px 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:105%">Movement</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From goodwill</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">From results</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From net assets</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Brazilian real</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14,199)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,287)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">912&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">191&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">710&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pound sterling</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,446)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,064)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">382&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">358&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexican peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,132)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(64)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,068&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">965&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentine peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,754)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,658)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(904)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(900)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chilean peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,605)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,890)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(285)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(34)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(219)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US dollar</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,062&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,433&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(629)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(64)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(549)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Polish zloty</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(776)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(325)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">451&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">332&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(570)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(655)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(85)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(73)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(20,420)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(19,510)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">910</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">249</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">37</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">624</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Profit and loss items are translated into euros at the average exchange rate for the year as described in note 2 a) ii.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i10bcda0f0bc34fe6a2b866d48d971ea4"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">e) Other comprehensive income -Items that may be reclassified to profit or loss - Hedging derivatives &#8211; Cash flow hedges (Effective portion)</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:130%">Other comprehensive income &#8211; Items that may be reclassified to profit or loss - Cash flow hedges includes the gains or losses attributable to hedging instruments that qualify as effective hedges. These amounts will remain under this heading until they are recognised in the consolidated income statement in the periods in which the hedged items affect it.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:6pt;margin-top:9pt;padding-right:263.62pt"><span id="i23701e5b6856478e9bf19acfff93b2ca"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">f) Other comprehensive income - Items that may be reclassified to profit or loss &#8211; Changes in the fair value of debt instruments measured at fair value with changes in other comprehensive income</span></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Includes the net amount of unrealised changes in the fair value of assets classified as Changes in the fair value of debt instruments measured at fair value with changes in other comprehensive income (see note 7).</span></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The breakdown, by type of instrument and geographical origin of the issuer, of 'Other comprehensive income &#8211; Items that may be reclassified to profit or loss - Changes in the fair value of debt instruments measured at fair value with changes in other comprehensive income' at 31 December 2025, 2024 and 2023 is as follows:</span></div><div style="margin-bottom:3pt;margin-top:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"></td><td style="width:35.398%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.775%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.775%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.775%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.777%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Revaluation gains</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Revaluation losses</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net revaluation gains/ (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt instruments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Issued by Public-sector</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">118&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">118&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,142&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(36)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">173&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,856&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">America and rest of the world</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">109&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(528)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(419)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,685&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Issued by Private-sector</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(53)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(24)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,745&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(15)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,445&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">America and rest of the world</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(273)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(233)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,458&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt 0 7.75pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">533</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(905)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(372)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">72,331</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;margin-top:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"></td><td style="width:35.804%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.673%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.673%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.673%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.677%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Revaluation gains</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Revaluation losses</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net revaluation gains/ (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt instruments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Issued by Public-sector</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">103&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">103&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,764&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">268&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(70)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">198&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,413&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">America and rest of the world</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(944)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(868)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,784&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Issued by Private-sector</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">96&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(23)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">73&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,019&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(18)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,478&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">America and rest of the world</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(265)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(249)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,247&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">584</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,320)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(736)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">87,705</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"></td><td style="width:35.804%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.673%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.673%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.673%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.677%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Revaluation gains</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Revaluation losses</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net revaluation gains/ (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt instruments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Issued by Public-sector</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,867&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">333&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(96)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">237&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,258&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">America and rest of the world</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">194&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(820)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(626)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,169&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Issued by Private-sector</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">98&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">89&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,129&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(30)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(11)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,018&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">America and rest of the world</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(267)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(261)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,106&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">667</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,222)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(555)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">81,547</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">The Group estimates the expected losses on debt instruments measured at fair value with changes in other comprehensive income. These losses are recorded with a charge to the consolidated income statement for the period.</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:130%">At the end of the year 2025, the Group recorded a provision of EUR 29 million under the heading 'Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss'. In 2024, the Group did not record any provision in this regard and at the end of the year 2023, the Group recorded EUR 24 million.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i9db315e67156459588dfd4ccaa24501a"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">g) Other comprehensive income - Items that may be reclassified to profit or loss and Items not reclassified to profit or loss - Other recognised income and expense of investments in subsidiaries, joint ventures and associates</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:130%">At 31 December 2025, the heading includes a negative amount of EUR 394&#160;million (EUR 428&#160;million and EUR 318&#160;million in 2024 and 2023, respectively). Of the variation in the balance of said years, a gain of EUR 17&#160;million, EUR 45&#160;million EUR 44&#160;million and has been transferred to results in the years 2025, 2024 and 2023, respectively.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure of the analysis of other comprehensive income by item.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106A&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of Other Comprehensive Income</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Shareholders' equity<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAbstract', window );"><strong>Equity [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfShareholdersEquityTextBlock', window );">Shareholders' equity</a></td>
<td class="text">Shareholders' equity<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in Shareholders' equity are presented in the consolidated statement of changes in total equity. Significant information on certain items of Shareholders' equity and the changes during the year are set forth below.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure for shareholders' equity.</p></div>
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<TEXT>
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<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Issued capital<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfClassesOfShareCapitalAbstract', window );"><strong>Disclosure of classes of share capital [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfIssuedCapitalExplanatory', window );">Issued capital</a></td>
<td class="text">Issued capital<div style="margin-bottom:6pt;margin-top:9pt"><span id="iac504a2974224a0bbd9b97675ddc1492"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Changes</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:130%">At 31 December 2022, Banco Santander's share capital consisted of EUR 8,397&#160;million, represented by 16,794,401,584 shares of EUR 0.50 of nominal value each and all of them of a unique class and series.</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:130%">On 21 March 2023, there was a capital reduction amounting EUR 170,203,286 through the redemption of 340,406,572 shares, corresponding to the share buyback programme carried out in 2022 and ended in January 2023. </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:130%">Likewise, on 30 June 2023, there was a capital reduction of EUR 134,924,476.50 through the redemption of 269,848,953 shares, corresponding to the share buyback programme during the first half of 2023.</span></div><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Therefore, Banco Santander's share capital at 31 December 2023 consisted of EUR 8,092&#160;million, represented by 16,184,146,059 shares of EUR 0.50 of nominal value each and all of them of a unique class and series; including 286,842,316 shares corresponding to the first buyback programme of 2023 (see note 1.g.).</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:130%">On 5 February 2024, a capital reduction of EUR179,283,743.50 took place through the redemption of 358,567,487 shares, corresponding to the share buyback programme carried out in 2023 and ended in January 2024.</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:130%">On 1 July 2024, a capital reduction of EUR 165,652,500 took place through the redemption of 331,305,000 shares, corresponding to he share buyback programme carried out between February and June 2024.</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:130%">On 20 December 2024, a capital reduction of EUR 170,890,625  took place through the redemption of 341,781,250 shares, corresponding to he share buyback programme carried out during the second semester of 2024.</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:130%">Therefore, Banco Santander's share capital at 31 December 2024 consisted of EUR 7,576 million, represented by 15,152,492,322 shares of EUR 0.50 of nominal value each and all of them of a unique class and series.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 3 June 2025, there was a capital reduction amounting to EUR 133,583,475 through the redemption of 267,166,950 shares, corresponding to the share buyback programme carried out between February and June 2025.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 23 December 2025, a capital reduction of EUR </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">98,002,935 took place through the redemption of 196,005,870 shares, corresponding to the share buyback programme carried out during the second semester of 2025. </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:130%">Aforementioned operations have not entailed the return of contributions to the shareholders as Banco Santander was the owner of the redeemed shares.</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:130%">Therefore, Banco Santander's share capital at 31 December 2025 consisted of EUR 7,345&#160;million, represented by 14,689,319,502 shares of EUR 0.50 of nominal value each and all of them of a unique class and series.</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:130%">Banco Santander&#8217;s shares are listed on the Spanish Stock Market Interconnection System and on the New York, London, Mexico and Warsaw Stock Exchanges, and all of them have the same features and rights. Santander shares are listed on the London Stock Exchange under Crest Depository Interest (CDI), each CDI representing one Bank&#8217;s share. They are also listed on the New York Stock Exchange under American Depositary Shares (ADS), each ADS representing one share. Additionally, Banco Santander's shares were listed on the traditional listing of the Mexican Stock Exchange (BMV) and since 29 December 2023, they were listed only in the International Quotation System of said stock exchange.</span></div></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:130%">As of 31 December 2025, no Banco Santander shareholder individually held more than 3% of its total share capital (which is the threshold generally provided for in Spanish regulations for mandatory notification of a significant participation in a listed company). Even though at 31 December 2025, certain custodians appeared in our shareholder registry as holding more than 3% of our share capital, we understand that those shares were held in custody on behalf of other investors, none of whom exceeded that threshold individually. These custodians were </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">State Street Bank (13.90%),  Chase Nominees Limited (7.50%), The Bank of New York Mellon Corporation (7.18%),Citibank (6.40%), BNP Paribas (3.74%), Caceis Bank (3.57%) y The Northern Trust (3.06%).</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:130%">At 31 December 2025, neither Banco Santander's shareholder registry nor the CNMV's registry showed any shareholder residing in a non-cooperative jurisdiction with a shareholding equal to, or greater than, 1% of our share capital (which is the other threshold applicable under Spanish regulations).</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="ia3a2f5dabb7345cb80478f061b04a707"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%">b) Other considerations</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Under Spanish law, only shareholders at the general meeting have the authority to increase share capital. However, they may delegate the authority to approve or execute capital increases to the board of directors. Banco Santander&#180;s Bylaws are fully aligned with Spanish law and do not establish any different conditions for share capital increases.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025 the shares of the following companies were listed on official stock mark</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ets: Banco Santander - Chile; Banco Santander (Brasil) S.A. and Santander Bank Polska S.A. </span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 Decemb</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">er 2025 the number of Banco Santander shares owned by third parties and managed by Group management companies (mainly portfolio, collective investment undertaking and pension fund managers) or jointly managed was 33 million shares, which represented 0.22% of Banco Santander&#8217;s share capital (40 and 36&#160;million shares, representing 0.26% and 0.22% of the share capital in 2024 and 2023, respectively). In addition, the number of Banco Santander shares owned by third parties and received as security was 28&#160;million shares (equal to 0.19% of the Bank&#8217;s share capital).</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:130%">At 31 December 2025 the capital increases in progress at Group companies and the additional capital authorised by their shareholders at the respective general meetings were not material at Group level (see appendix V)</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of issued capital. [Refer: Issued capital]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Share premium<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SharePremiumAbstract', window );"><strong>Share Premium [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfSharePremiumTextBlock', window );">Share premium</a></td>
<td class="text">Share premium <div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Share premium includes the amount paid up by the Bank&#8217;s shareholders in capital issues in excess of the par value.</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:130%">The Corporate Enterprises Act expressly permits the use of the share premium account balance to increase capital at the entities at which it is recognised and does not establish any specific restrictions as to its use.</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:130%">The change in the balance of share premium corresponds to the capital reductions detailed in note 31.a).</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:130%">The decreased produced in 2023 by an amount of EUR 1,595&#160;million was the consequence of the difference between the purchase value of the redeemed shares (EUR 1,900&#160;million) and the par value of said shares (EUR 305&#160;million) (see note 4.a and consolidated statements of changes in total equity) as a consequence of the capital decreases described in note 31.a.</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:130%">The decrease produced in 2024 by an amount of EUR 3,778&#160;million was the consequence of the difference between the purchase value of the redeemed shares (EUR 4,294&#160;million) and the par value of said shares (EUR 516&#160;million) (see note 4.a and consolidated statements of changes in total equity) as a consequence of the capital decreases described in note 31.a.</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:130%">The decrease produced in 2025 by an amount of EUR 3,055&#160;million has been the consequence of the difference between the purchase value of the redeemed shares (EUR 3,287&#160;million) and the par value of said shares (EUR 231&#160;million) (see note 4.a and consolidated statements of changes in total equity) as a consequence of the capital decreases described in note 31.a.</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:130%">Likewise, in accordance with the applicable legislation, a reserve has been provided in 2024 for amortized capital charged to the issue premium for an amount equal to the nominal value of said amortized shares ascending to EUR 231&#160;million (EUR 516&#160;million and EUR 305&#160;million euros in 2024 and 2023 respectively).</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for share premium.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accumulated retained earnings<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RetainedEarningsAbstract', window );"><strong>Retained earnings [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesAndOtherEquityInterestExplanatory', window );">Accumulated retained earnings</a></td>
<td class="text">Accumulated retained earnings<div style="margin-bottom:6pt;margin-top:9pt"><span id="i34e39ce33f96485cbf92b34b3ece5150"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Definitions</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:130%">The balance of 'Equity - Accumulated gains and Other reserves' includes the net amount of the accumulated results (profits or losses) recognised in previous years through the consolidated income statement which in the profit distribution were allocated in equity, the expenses of own equity instrument issues, the differences between the amount for which the treasury shares are sold and their acquisition price, as well as the net amount of the results accumulated in previous years, generated by the result of non-current assets held for sale, recognised through the consolidated income statement.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i07aa6cf465914b36971439f58caa1d74"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Breakdown</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:130%">The detail of Accumulated retained earnings and Reserves of entities accounted for using the equity method is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:59.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.173%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Restricted reserves</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,328</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,084</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,899</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Legal reserve</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,469&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,515&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,618&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Own shares</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">480&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">421&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">649&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Revaluation reserve Royal Decree-Law 7/1996</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reserve for retired capital</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,336&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,105&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">589&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Unrestricted reserves</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">31,519</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24,186</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,033</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Voluntary reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,357&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,362&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,284&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Consolidation reserves attributable to the Bank</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,162&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,824&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,749&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reserves of subsidiaries</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">47,937</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">47,249</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">47,669</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Reserves of entities accounted for using the equity method</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,643</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,831</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,762</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">84,427</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">76,350</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">68,363</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">The board of directors has proposed to the general shareholders' meeting the reclassification of the excess that the amount of the balance of the legal reserve account shows over the figure that is equivalent to 20% of the resulting share capital after the executed capital reductions, to be included in the voluntary reserves account.</span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">In accordance with the commercial regulations in force in Spain.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i71c890b1f4af45c396490cfb14b49481"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Legal reserve</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:130%">Under the Consolidated Spanish Corporate Enterprises Act, 10% of net profit for each year must be transferred to the legal reserve. These transfers must be made until the balance of this reserve reaches 20% of the share capital. The legal reserve can be used to increase capital provided that the remaining reserve balance does not fall below 10% of the increased share capital amount.</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:130%">Consequently, once again, after the capital reductions described in note&#160;31 had been carried out, the balance of the legal reserve met the percentage of 20% of the share capital, and at 31 December 2025 the Legal reserve was at the stipulated level.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i3e9aaa13ad174c338526d04757b2ff5b"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Reserve for treasury shares</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:130%">According to the Corporate Enterprises Act, an unavailable reserve equivalent to the amount for which Banco Santander's shares owned by subsidiaries are recorded. This reservation shall be freely available when the circumstances which have obliged its constitution disappear. In addition, this reserve covers the outstanding balance of loans granted by the Group with Banco Santander's share guarantee and the amount equivalent to the credits granted by the Group companies to third parties for the acquisition of own shares.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ibc59a56bf00345eea8d605036a7517c6"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Revaluation reserve Royal Decree Law 7/1996, of 7 June</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:130%">The balance of Revaluation reserve Royal Decree-Law 7/1996 can be used, free of tax, to increase share capital. From 1 January 2007, the balance of this account can be taken to unrestricted reserves, provided that the monetary surplus has been realised. The surplus will be deemed to have been realised in respect of the portion on which depreciation has been taken for accounting purposes or when the revalued assets have been transferred or derecognised.</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:130%">If the balance of this reserve were used in a manner other than that provided for in Royal Decree law 7/1996, of 7 June, it would be subject to taxation.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i8a9872393c0242df877077b6b69f5cae"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iv. Reserves of subsidiaries</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:130%">The detail, by company, of Reserves of subsidiaries, based on the companies&#8217; contribution to the Group (considering the effect of consolidation adjustments) 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:93.007%"><tr><td style="width:1.0%"></td><td style="width:56.184%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.138%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.138%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.140%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Banco Santander (Brasil) S.A. (Consolidated Group)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,085&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,107&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,512&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander UK Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,973&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,576&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,700&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,977&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,248&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,684&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Consumer Finance Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,804&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,729&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,344&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander - Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,560&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,250&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,112&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander Argentina S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,217&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,892&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,813&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander Totta, S.A. (Consolidated Group)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,726&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,766&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,626&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Bank Polska S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,875&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,890&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,535&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Grupo Santander Holdings USA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">187&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,893&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Investment, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,424&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,217&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,215&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Seguros y Reaseguros, Compa&#241;&#237;a Aseguradora, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">845&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">836&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,044&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander International SA (former Banco Santander (Suisse) S.A)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">450&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">397&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">346&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other companies and consolidation adjustments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,062)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,846)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,155)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">47,937</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">47,249</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">47,669</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:400;line-height:105%">Of which, restricted</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,722&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,175&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,870&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of reserves within equity. [Refer: Other reserves [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 160<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_160_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 79<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_79_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReservesAndOtherEquityInterestExplanatory</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other equity instruments and own shares<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherEquityInstrumentsAndOwnSharesAbstract', window );"><strong>Other Equity Instruments And Own Shares [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTreasurySharesExplanatory', window );">Other equity instruments and own shares</a></td>
<td class="text">Other equity instruments and own shares<div style="margin-bottom:6pt;margin-top:9pt"><span id="i07893f48e8bd4f9593b71f8289482c3b"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Equity instruments issued not capital and other equity instruments</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:130%">Other equity instruments includes the equity component of compound financial instruments, the increase in equity due to personnel remuneration, and other items not recognised in other 'Shareholders&#8217; equity' items.</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:130%">On 8 September 2017, Banco Santander, S.A. issued contingent redeemable perpetual bonds (the fidelity bonds) amounting to EUR 981 million nominal value EUR - 686 million fair value -. </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:130%">On 15 December 2024, Banco Santander, S.A., proceeded to redeem in advance voluntarily all of said bonds in circulation.</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:130%">Additionally, at 31 December 2025 the Group had other equity instruments amounting to EUR 273 million.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="ia68a329a6def4d62914fb2317c5b0145"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%">b) Own shares </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">'</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Shareholders&#8217; equity&#160;- Own shares' includes the amount of own equity instruments held by all the Group entities.</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:130%">Transactions involving own equity instruments, including their issuance and cancellation, are recognised directly in equity, and no profit or loss may be recognised on these transactions. The costs of any transaction involving own equity instruments are deducted directly from equity, net of any related tax effect.</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:130%">At 31 December 2023, the number of treasury shares held by the Group was 297,815,673 (1.84% of the issued share capital).</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:130%">During 2024, 930,610,636 shares of the Bank were acquired at an average price of EUR 4.34 per share, of which 403,030,171 relate to the Share Buyback Programme carried out during the first half of 2025, and 341,781,250 relate to the Share Buyback Programme started in September. Likewise, 1,031,653,737 shares were amortised (note 31) and 181,243,113 shares at an average price of EUR 4.22 per share were transferred, of which 22,167,105 shares correspond to the donation made by Banco Santander to Fundaci&#243;n Banco Santander with extraordinary character.</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:130%">At 31 December 2024, the number of treasury shares held by the Group was 15,529,459 (0.102% of the issued share capital).</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:130%">During 2025, 584,363,745 shares of the Bank have been acquired at an average price of EUR 6.98 per share, of which 267,166,950 relate to the Share Buyback Programme carried out during the first half of 2025, and 196,005,870 relate to the new Share Buyback Programme started in August. Likewise, 463,172,820 shares have been amortised (note 31) and 125,643,093 shares at an average price of EUR 6.48 per share have been transferred.</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:130%">At 31 December 2025, the Group holds 11,077,291 shares of the Bank's issued share capital (0.075%).</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:130%">The effect on equity, net of tax, arising from the purchase and sale of Bank shares is of EUR 34 million profit in 2025 (EUR 8 million and EUR 13 million profit in 2024 and 2023, respectively).</span></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTreasurySharesExplanatory">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of treasury shares. [Refer: Treasury shares]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>n/a</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Memorandum items<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OffBalanceSheetExposuresAbstract', window );"><strong>Off-Balance Sheet Exposures [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory', window );">Memorandum items</a></td>
<td class="text">Memorandum items<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Memorandum items relates to balances representing rights, obligations and other legal situations that in the future may have an impact on net assets, as well as any other balances needed to reflect all transactions performed by the consolidated entities although they may not impinge on their net assets.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="ibb878bd9cb5f47a29ca8ca79565147d2"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Guarantees and contingent commitments granted</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Contingent liabilities includes all transactions under which an entity guarantees the obligations of a third party and which result from financial guarantees granted by the entity or from other types of contracts. The detail 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:51.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.643%"></td><td style="width:0.1%"></td></tr><tr style="height:15pt"><td colspan="12" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans commitment granted</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">321,234</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">302,861</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">279,589</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which impaired</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">345&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">511&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">406&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial guarantees granted</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,449</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,901</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,435</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which impaired</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">332&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">217&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">578&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial guarantees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,437&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,887&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,400&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit derivatives sold</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">35&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other commitments granted</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">148,118</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">134,493</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">113,273</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which impaired</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">668&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">793&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">542&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Technical guarantees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,161&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">61,551&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57,363&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">85,957&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">72,942&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">55,910&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:8.6pt;font-weight:400;line-height:130%">The breakdown as at 31 December 2025 of the exposures and the provision fund out of balance sheet by impairment stage is EUR 464,215 million and EUR 338 million (EUR 435,147 million and EUR 305 million in 2024 and EUR 398,243&#160;million and EUR 302&#160;million in 2023) in stage 1, EUR 21,241 million and EUR 206&#160;million (EUR 17,587 million and EUR 192 million in 2024 and EUR 8,528&#160;million and EUR 174&#160;million in 2023) in stage 2 and EUR 1,345 million and EUR 169 million (EUR 1,521 million and EUR 213 million in 2024 and EUR 1,526&#160;million and EUR 226&#160;million in 2023) in stage 3, respectively. </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:130%">Income from guarantee instruments is recognised under 'Fee and commission income' in the consolidated income statements and is calculated by applying the rate established in the related contract to the nominal amount of the guarantee.</span></div><div style="margin-top:9pt"><span id="i54ecbd30bab04d408f71d6a2d88c9190"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:130%">i. Loan commitments granted</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:130%">Loan commitments granted: firm commitments of grating of credit under predefined terms and conditions, except for those that comply with the definition of derivatives as these can be settled in cash or through the delivery of issuance of another financial instrument. They include stand-by credit lines and long-term deposits.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="if1605bc1e2ee44589ffba68e4e7c08a1"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Financial guarantees granted</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:130%">Financial guarantees includes, inter alia, financial guarantee contracts such as financial bank guarantees, credit derivatives sold, and risks arising from derivatives arranged for the account of third parties.</span></div><div style="margin-top:9pt"><span id="if3328503452f4c41b159eda1bb5ab5d3"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:130%">iii. Other commitments granted</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:130%">Other contingent liabilities include all commitments that could give rise to the recognition of financial assets not included in the above items, such as technical guarantees and guarantees for the import and export of goods and services.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i34396b6c95624ccf8b0291711bd7c2fc"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Memorandum items</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ie526b2ebefc34a669b9b9c8da08c695c"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Off-balance-sheet funds under management</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:130%">The detail of off-balance-sheet funds managed by the Group and by joint ventures 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:50.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.951%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Investment funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">197,346&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">178,840&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">165,174&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Pension funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,112&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,646&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,831&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Assets under management</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,974&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,999&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,732&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">257,432&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">230,485&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">209,737&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ie9bd8571aece404e9634e8a099844da4"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Non-managed marketed funds</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:130%">Additionally, at 31 December 2025 there are non-managed marketed funds totalling EUR 73,173 million (EUR 62,002 million and EUR 50,036 million at 31 December 2024 and 2023, respectively).</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i3a0cf8afb9184163a012f43b447ba5a3"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%">c) Third-party securities held in custody</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:130%">At 31 December 2025 the Group held in custody debt securities and equity instruments totalling EUR 306,723 million (EUR 292,216 million and EUR 268,338 million at 31 December 2024 and 2023, respectively) entrusted to it by third parties.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Hedging derivatives<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfHedgeAccountingAbstract', window );"><strong>Disclosure of detailed information about hedges [abstract]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfGeneralHedgeAccountingExplanatory', window );">Hedging derivatives</a></td>
<td class="text">Hedging derivatives<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander, within its financial risk management strategy, and in order to reduce asymmetries in the accounting treatment of its operations, enters into hedging derivatives on interest, exchange rate, credit risk or variation of stock prices, depending on the nature of the risk covered.</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:130%">Based on its objective, Grupo Santander classifies its hedges in the following categories:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Cash flow hedges: cover the exposure to the variation of the cash flows associated with an asset, liability or a highly probable forecast transaction. This cover the variable-rate issues in foreign currencies, fixed-rate issues in non-local currency, variable-rate interbank financing and variable-rate assets (bonds, commercial loans, mortgages, etc.).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Fair value hedges: cover the exposure to the variation in the fair value of assets or liabilities, attributable to an identified and hedged risk. This covers the interest risk of assets or liabilities (bonds, loans, bills, issues, deposits, etc.) with coupons or fixed interest rates, interests in entities, issues in foreign currencies and deposits or other fixed rate liabilities.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Hedging of net investments abroad: cover the exchange rate risk of the investments in subsidiaries domiciled in a country with a different currency from the functional one of the Group.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following tables contains the detail of the hedging derivatives according to the type of hedging, the hedge risk and the main products used as of 31 December 2025, 2024 and 2023:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:31.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.644%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></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 #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Carrying&#160;amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Nominal value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities</span></td><td colspan="3" style="padding:2px 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:105%">Changes in fair value used for calculating&#160;hedge ineffectiveness</span></td><td colspan="3" style="padding:2px 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:105%">Balance&#160;sheet&#160;line&#160;items</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">338,057</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,387</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,588</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(454)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">305,348</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,501</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,532</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(433)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">285,983&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,326&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,485&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(188)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19,365&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">175&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(247)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Cap&amp;Floor</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,656</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">20</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">46</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Fx forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,414&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Fx Swap</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">46&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">242&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">27,433</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">735</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,035</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(76)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5,452&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">38&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">80&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">21,981&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">697&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">955&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(68)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Base risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">500</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">500&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,120</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">145</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Inflation swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,120&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">145&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Cash flow hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">148,269</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,954</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,231</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,067</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">99,969</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">960</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">41</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,171</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">12,357&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(293)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">87,412&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">937&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,464&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Cap&amp;Floor</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">200&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">24,791</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">605</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">473</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(233)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,445&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">62&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(18)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX swap</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,606&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">38&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">43&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19,740&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">505&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">410&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(212)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">23,445</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">298</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">718</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,253&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">17&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">85&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">51&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20,192&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">281&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">633&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(54)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">131</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Inflation swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">131&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">64</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">91</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Equity Option</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">64&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">91&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 1.75pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedges of net investments in foreign operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">19,666</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">86</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">475</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">136</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">19,666</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">86</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">475</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">136</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19,614&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">86&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">474&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">134&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX swap</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">52&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 12.25pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">505,992</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,427</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,294</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">749</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:31.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.644%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million </span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></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 #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Carrying&#160;amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Nominal value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities</span></td><td colspan="3" style="padding:2px 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:105%">Changes in fair value used for calculating&#160;hedge ineffectiveness</span></td><td colspan="3" style="padding:2px 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:105%">Balance&#160;sheet&#160;line&#160;items</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">308,897</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,584</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,964</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">483</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">290,152</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,070</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,319</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">373</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">276,715&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,578&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,082&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">156&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,411</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">59</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">101</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Fx forward</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,240&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,059&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">91&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,739</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">501</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">586</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,720&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">15&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">65&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">46&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11,019&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">486&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">520&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Base risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">500</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">500&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">95</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Equity swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">95&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Cash flow hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">179,271</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,415</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,519</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">558</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">134,503</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,060</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,089</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">144</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6,621&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">225&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">106,663&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">788&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">478&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(130)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">30,653</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">738</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">258</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">459</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX forward</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9,286&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">362&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">51&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">408&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19,957&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">323&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">189&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">114&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,724</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">539</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">172</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">26</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,092&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">46&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">75&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,632&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">545&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">126&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(49)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,316</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">58</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(69)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Inflation swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">57&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">75</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">20</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Equity swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">75&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedges of net investments in foreign operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">23,559</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">673</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">269</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">420</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">23,559</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">673</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">269</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">420</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">23,559&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">673&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">269&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">420&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">511,727</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,672</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,752</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,461</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;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:97.652%"><tr><td style="width:1.0%"></td><td style="width:29.960%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.960%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.963%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></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 #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Carrying&#160;amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Nominal value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities</span></td><td colspan="3" style="padding:2px 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:105%">Changes in fair value used for calculating&#160;hedge ineffectiveness</span></td><td colspan="3" style="padding:2px 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:105%">Balance&#160;sheet&#160;line&#160;items</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">241,792</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,661</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,231</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,869)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">225,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,280</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,644</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,684)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">215,382&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,015&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,462&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1,871)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,331</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">24</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(98)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,913&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">15&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">24&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,418&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(87)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,084</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">366</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">563</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(87)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,311&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">179&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9,773&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">357&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">384&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(107)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Cash flow hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">157,796</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,575</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,889</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,828</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">97,780</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">913</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,246</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,181</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,020&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">91,569&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">872&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,214&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,188&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">34,823</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,001</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">663</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(498)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX forward</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11,160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">502&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">241&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">43&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20,043&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">446&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">397&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(537)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,217</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">484</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">74</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(98)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,847&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(45)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">227&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9,370&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">484&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">119&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(325)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,908</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">155</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">906</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">234</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">12,495&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">153&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">906&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">240&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">68</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">22</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Option</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">68&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 7.75pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedges of net investments in foreign operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18,706</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">61</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">536</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,888)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18,706</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">61</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">536</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,888)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">18,706&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">61&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">536&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1,888)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt 0 7.75pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">418,294</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,297</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,656</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,929)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Considering the main entities or groups within the Group by the weight of their hedging, the main types of hedging that are being carried out in Santander UK Group Holdings plc group and Banco Santander, S.A.</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:130%">Santander UK Group Holdings plc group enters into fair value and cash flow hedging derivatives depending on the exposure of the underlying. Only designated risks are hedged and therefore other risks, such as credit risk, are managed but not hedged. When contracting derivatives, Santander UK applies the same credit risk management procedures that it uses for ordinary lending activity.</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:130%">Within fair value hedges, Santander UK Group Holdings plc group has portfolios of assets and liabilities at fixed rate that are exposed to changes in fair value due to changes in market interest rates. These positions are managed by contracting mainly interest rate swaps. Effectiveness is assessed by comparing the changes in the fair value of these portfolios generated by the hedged risk with the changes in the fair value of the derivatives contracted.</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:130%">Santander UK Group Holdings plc group also has access to international markets to obtain financing by issuing fixed-rate debt or investing in fixed rate debt of other issuers, in its functional currency and other currencies. As such, they are exposed to changes in interest rates and exchange rates, mainly in EUR and USD. This risk is mitigated with cross currency swaps e interest rate swaps in which they pay a fixed rate and receive a variable rate. Effectiveness is evaluated using linear regression techniques to compare changes in the fair value of the debt at interest and exchange rates with changes in the fair value of interest rate swaps or cross currency swaps.</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:130%">Within the cash flow hedges, Santander UK Group Holdings plc group has portfolios of assets and liabilities at variable rates, normally at SONIA or BoE base rate. To mitigate this market rate variability risk, it contracts interest rate swaps.</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:130%">As Santander UK Group Holdings plc group obtains financing in the international markets, it assumes a significant exposure to currency risk mainly USD and EUR. In addition, it also holds debt securities for liquidity purposes which assume exposure mainly in JPY, CAD and CHF.  To manage this exchange rate risk, Spot, Forward y Cross Currency Swap are contracted to match the cash flow profile and the maturity of the estimated interest and principal repayments of the hedged 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:130%">Effectiveness is assessed by comparing changes in the fair value of the derivatives with changes in the fair value of the hedged item attributable to the hedged risk by applying a hypothetical derivative method using linear regression techniques.</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:130%">It also has inflation risk hedges, which arise from UK bonds linked to UK inflation and are hedged using inflation swaps. </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:130%">Effectiveness is assessed by comparing changes in the fair value of the inflation swap with the changes in the fair value of the hedged item attributable to the hedged risk, applying the hypothetical derivative method using linear regression techniques. </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:130%">In addition, within the hedges that cover equity risk, Santander UK Group Holdings plc group offers employees the opportunity to purchase shares of the Bank at a discount under the Sharesave Scheme, exposing the Bank to share price risk. As such, options are purchased allowing them to purchase shares at a pre-set price. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Banco Santander, S.A. covers the risks of its balance sheet in a variety of ways. On the one hand, documented as fair value hedges, it covers the interest rate and foreign exchange risk of fixed-income portfolios at a fixed rate (REPOs are included in this category). Resulting, in an exposure to changes in their fair value due to variations in market conditions based on the various risks hedged, which has an impact on Banco Santander's income statement. </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:130%">To mitigate these risks, Banco Santander contracts derivatives, mainly Interest Rate Swaps, Cross Currency Swaps, Cap&amp;floors and Forex Forward. </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:130%">On the other hand, the interest and exchange rate risk of loans granted to corporate clients at a fixed rate or variable rate is covered. These hedges, are carried out through interest rate swaps, cross currency swaps and exchange rate derivatives (forex swaps and forex forward).</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:130%">In addition, Banco Santander, S.A. manages the interest and exchange risk of debt issues in its various categories (issuing covered bonds, perpetual, subordinated and senior bond) and in different currencies, denominated at fixed rates, and therefore subject to changes in their fair value. These issues are covered through interest rate swaps and cross currency swaps.</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:130%">The methodology used by Banco Santander, S.A. to measure the effectiveness of fair value hedges is based on comparing the market values of the hedged items (based on the objective risk of the hedge) and of the hedging instruments in order to analyse whether the changes in the market value of the hedged items are offset by the market value of the hedging instruments, thereby mitigating the hedged risk and minimizing volatility in the income statement. </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:130%">Prospectively, the same analysis is performed, measuring the theoretical market values in the event of parallel variations in the market curves of a positive basis point.</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:130%">There is a macro hedge of structured loans in which the interest rate risk of fixed-rate loans (mortgage, personal or with other guarantees) granted to legal entities in commercial or corporate banking and wealth clients in the medium-long term is hedged. This hedge is instrumented as a macro hedge of fair value, the main hedging instruments being Interest Rate Swap and Cap&amp;floors. In case of total or partial cancellation or early repayment, the customer is obliged to pay/receive the cost/income of the cancellation of the interest rate risk hedge managed by the Bank.</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:130%">Regarding cash flow hedges, the objective is to hedge the cash flow exposure to changes in interest rates and exchange rates.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For retrospective purposes, the hypothetical derivative methodology is used to measure effectiveness. By means of this methodology, the hedged risk is modelled as a derivative instrument -not real-, created exclusively for the purpose of measuring the effectiveness of the hedge, and which must comply with the fact that its main characteristics coincide with the critical terms of the hedged item throughout the period for which the hedging relationship is designated. This hypothetical derivative does not incorporate characteristics that are exclusive to the hedging instrument. Additionally, it is worth mentioning that any risk component not associated with the hedged objective risk and effectively documented at the beginning of the hedge is excluded for the purpose of calculating the effectiveness. The market value of the hypothetical derivative that replicates the hedged item is compared with the market value of the hedging instrument, verifying that the hedged risk is effectively mitigated and that the impact on the income statement due to potential ineffectiveness is residual.</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:130%">Prospectively, the variations in the market values of the hedging instrument and the hedged item (represented by the hypothetical derivative) are measured in the event of parallel shifts of a positive basis point in the affected market curves.</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:130%">There is another macro-hedge, this time of cash flows, the purpose of which is to actively manage the risk-free interest rate risk (excluding credit risk) of a portion of the floating rate assets of Banco Santander, S.A., through the arrangement of interest rate derivatives whereby the bank exchanges floating rate interest flows for others at a fixed rate agreed at the time the transactions are arranged. The items affected by the Macro-hedging have been designated as those in which their cash flows are exposed to interest rate risk, specifically the floating rate mortgages of the Banco Santander, S.A. network referenced to Euribor 12 Months or Euribor Mortgage, with annual renewal of rates, classified as sound risk and which do not have a contractual floor (or, if not, this floor is not activated). The hedged position affecting the Macro Cash Flow Hedge at the present time is near to EUR 5,000&#160;million. </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:130%">Regarding net foreign investments hedges, basically, they are allocated in Banco Santander, S.A. and Santander Consumer Finance Group. Grupo Santander assumes as a priority risk management objective to minimize -to the limit determined by the Group's Financial Management- the impact on the calculation of the capital ratio of its permanent investments included within the Group's consolidation perimeter, and whose shares or equity interests are legally denominated in a currency other than that of the Group's parent company. For this purpose, financial instruments (generally derivatives) are contracted to hedge the impact on the capital ratio of changes in forward exchange rates.  Grupo Santander mainly hedges the risk for the following currencies: BRL, CLP, MXN, CAD, COP, CNY, GBP, CHF, NOK, USD, PLN, UYU and PEN. The instruments used to hedge the risk of these investments are forex swaps, forex forward and spot currency purchases/sales.</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:130%">For this type of hedges, ineffectiveness scenarios are considered to be of low probability, given that the hedging instrument is designated considering the position determined and the spot rate at which the position is located.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table sets out the maturity profile of the hedging instruments used in Grupo Santander non-dynamic hedging strategies:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">&#160;</span></div></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up&#160;to&#160;one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;to&#160;three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three&#160;months&#160;to one year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;year&#160;to five years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than five years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,263</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,353</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">87,830</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">176,040</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">36,571</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">338,057</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,778</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,042</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">82,060</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">160,461</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">28,007</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">305,348</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,588&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,565&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">78,893&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">146,294&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">26,643&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">285,983&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">190&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">477&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,167&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,167&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,364&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,365&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">963</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">365</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">242</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,656</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Fx forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">963&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">365&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,086&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,414&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">242&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">242&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">522</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">946</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,684</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,079</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,202</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,433</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">54&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">218&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,898&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,267&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,452&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">507&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">892&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,466&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,181&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,935&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,981&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Base risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">500</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">500</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">500&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">500&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,120</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,120</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Inflation swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,120&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,120&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,499</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,405</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21,536</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">103,955</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,874</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">148,269</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,497</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,347</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,090</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">76,749</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,286</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">99,969</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,837&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">507&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,357&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,497&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,347&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,077&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">64,712&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,779&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">87,412&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Cap&amp;Floor</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">200&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">200&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">981</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,169</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,062</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,467</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,112</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24,791</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">874&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,025&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,546&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,445&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX swap</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">66&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">92&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">492&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">956&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,606&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">52&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,024&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,511&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,112&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,740&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,021</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,887</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,371</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,690</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,476</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23,445</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">761&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">227&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,085&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">180&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,253&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,260&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,887&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,144&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,605&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,296&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,192&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">49</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">64</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Equity option</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">49&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">64&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Hedges of net investments in foreign operations:</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,945</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,218</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,296</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">207</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,666</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,945</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,218</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,296</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">207</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,666</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,893&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,218&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,296&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">207&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,614&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX swap</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">52&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">52&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,707</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29,976</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">120,662</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">280,202</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">48,445</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">505,992</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">&#160;</span></div></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up&#160;to&#160;one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;to&#160;three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three&#160;months&#160;to one year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;year&#160;to five years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than five years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,791</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,953</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">88,519</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">163,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31,548</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">308,897</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,725</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,680</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">85,981</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">154,440</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">26,326</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">290,152</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,910&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,913&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">83,890&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">148,913&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24,089&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">276,715&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,054</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">717</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">469</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">112</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,059</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,411</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Fx forward</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,054&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">717&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">469&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,240&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,059&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,059&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">511</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,019</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,034</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,163</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,739</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">149&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">104&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,543&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">924&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,720&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">361&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,915&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,491&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,240&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,019&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Base risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">500</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">500</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">500&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">500&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">45</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">95</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Equity swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">45&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">50&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">95&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,696</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,088</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">43,111</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">94,030</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,346</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">179,271</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,628</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,932</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,390</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">75,459</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,094</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">134,503</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,621&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,621&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,146&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,856&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,846&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">67,495&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,320&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">106,663&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,982</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,765</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,703</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,826</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30,653</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">FX forward</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,594&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,310&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,382&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,286&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">133&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">66&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,383&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,704&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,671&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,957&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">778</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,785</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,813</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,262</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,724</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">997&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">395&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,260&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">440&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,092&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,090&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">778&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,389&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,553&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">822&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,632&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">153</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,163</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,316</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Inflation swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 6.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">55</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">75</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Option</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">55&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">75&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Hedges of net investments in foreign operations:</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,918</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,644</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,997</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">23,559</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,918</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,644</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,997</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">23,559</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,918&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,644&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,997&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">23,559&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">33,405</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31,685</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">145,627</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">257,116</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">43,894</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">511,727</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">&#160;</span></div></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up&#160;to&#160;one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;to&#160;three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three&#160;months&#160;to one year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;year&#160;to five years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than five years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,862</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,535</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59,170</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">139,486</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21,739</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">241,792</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,266</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,749</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">56,860</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">131,323</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,179</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">225,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,176&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,525&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">55,918&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">125,405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,358&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">215,382&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">566</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">678</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">619</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,418</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,331</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Fx forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">566&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">678&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">619&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">50&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,913&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,418&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,418&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">108</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,691</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,113</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,142</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,084</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">87&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,370&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,605&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,681&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,773&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">321&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,508&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">461&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,311&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,873</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,149</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">43,913</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">83,291</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,570</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">157,796</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,467</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,859</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,846</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,038</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,570</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">97,780</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,020&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,020&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,241&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,429&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29,863&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">48,735&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,301&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">91,569&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,655</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,087</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,607</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,711</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,763</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34,823</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">FX forward</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,013&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,344&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,617&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,186&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">642&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,990&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,525&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,043&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">407</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,547</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,270</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,187</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">806</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,217</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">80&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,575&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">192&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,847&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">407&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,467&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,270&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,612&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">614&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,370&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">344</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">656</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,182</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,296</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,430</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,908</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">318&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">618&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,833&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,296&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,430&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,495&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">59</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">68</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Option</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">68&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Hedges of net investments in foreign operations:</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,303</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,940</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,463</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,706</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,303</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,940</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,463</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,706</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,303&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,940&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,463&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,706&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,038</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">35,624</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">112,546</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">222,777</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">28,309</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">418,294</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Additionally, for Santander UK Group Holdings plc and Banco Santander, S.A., both the maturity profile, the average interest and exchange rate of hedging instruments by maturity buckets are shown:</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline">Santander UK Group Holdings plc group</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three&#160;months<br/>to one year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;year<br/>to five years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,490&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,469&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">69,366&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">86,738&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,222&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">189,285&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.703&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.021&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.508&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.181&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.216&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.621&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.437&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.091&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.325&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">27.000</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">30</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">357&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,936&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,808&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,158&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.176</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.138</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.158</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.177</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.182</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.249</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.346</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.293</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.080&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.812&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.822&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.991&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.385&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.364&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.997&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">360&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">111&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,472&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">35,087&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,067&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">43,097&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.373&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.235&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.344&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.881&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.481&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Foreign exchange risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,982&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,238&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,112&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,332&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/JPY exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/CHF exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.121</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.111</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.180</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.172</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.334</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.275</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.373</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/CAD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Equity instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">13</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">49</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">87&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,206&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">420&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,713&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.166</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.181</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.172</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.334</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.281</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.397</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.609&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.973&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.475&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three&#160;months<br/>to one year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;year<br/>to five years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,033&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,598&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">64,755&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">93,176&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,110&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">174,672&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.749&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.293&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.496&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.868&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.653&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.200&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.346)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.446)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.585&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.370&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.534&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.531&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.756&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.449&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;&#160;Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">212</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">258&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,280&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,152&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,902&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.136</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.158</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.162</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.176</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.318</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.281</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.350&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.304&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.940&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.831&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.375&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,330&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,190&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,896&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34,841&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,325&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">63,582&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.592&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.075&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.761&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.707&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.352&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Foreign exchange risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">311&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">954&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,941&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,235&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,730&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23,171&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/JPY exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">178.368</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">179.995</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">187.640</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/CHF exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.086</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.115</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.203</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.188</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.177</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.162</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.238</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.297</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.388</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/CAD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.758</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Equity instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">19</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">55</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">75</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,993&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">476&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,039&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,294&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">707&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,509&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.124</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.370</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.161</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.213</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.179</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.538</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.319</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.537</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.480&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.760&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.203&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.771&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.885&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.983&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 7.75pt"></td><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,230&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">37,158&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">70,075&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,467&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">123,093&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.380&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.190&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.420&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.890&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.990&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.140&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.180&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.450&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.210&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.920&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.600&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.460&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.230&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.360&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.910&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,172&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">198&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,411&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.113</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.156</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.148</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.318</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.770&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.480&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.830&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,050&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,553&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,756&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">31,941&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">53,705&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.060&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.050&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.380&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.840&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.450&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Foreign exchange risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,068&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,266&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,104&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,888&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,763&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23,089&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/JPY exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">154.135</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">153.954</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">167.846</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/CHF exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.092</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.093</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.089</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.121</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.121</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.197</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.167</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.179</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.392</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.277</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.388</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Equity instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">58&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">68&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">905&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">576&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,614&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">719&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,914&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,183&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.254</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.198</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.189</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,663</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.383</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.537</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.570&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.540&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.960&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.420&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.810&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr></table></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:130%;text-decoration:underline">Banco Santander, S.A.</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">746</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,790</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6,849</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">34,331</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">17,003</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">61,719</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) GBP</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.155</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.500</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.725</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.371</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.303</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.809</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.101</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.139</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.330</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CHF</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.403</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.075</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.422</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.983</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.653</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.991</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CZK</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.650</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.350</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NOK</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.403</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.824</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) RON</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.880</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.200</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) HKD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.960</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NZD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.252</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Foreign exchange risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">329&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">250&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">697&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,276&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CNY/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,273</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,284</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,173</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">46&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">99&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">956&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,750&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,608&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6,459&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.710&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CZK/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.264&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) RON/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.697&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) HKD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.618&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) JPY/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.975&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.407&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NOK/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.441&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.155&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CHF/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.021&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.919&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/CLP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/COP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11.669&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11.703&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9.869&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9.356&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/MXN</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8.800</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.617</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.584</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average NZD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.666</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CZK/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">26.131</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">25.365</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">24.832</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average EUR/COP exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average EUR/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.940</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.948</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average HKD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8.488</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average JPY/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">137.802</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">129.229</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19.083</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average NOK/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9.519</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10.651</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average RON/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.948</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.927</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.980</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.019</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.935</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/COP exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/MXN exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.055</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Basis Risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Basis risk instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">500&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">500&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></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:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="18" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate and foreign exchange rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">236&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">288&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">213&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">80&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">817&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.678&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CHF/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.258&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.590</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.577</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.562</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average RON/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.940</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.002</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Bond Forward instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9,003&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">507&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11,630&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.964&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.695&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.016&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.650&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">18&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average exchange rate GBP/EUR</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.129</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.119</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedges of net investments in foreign operations</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,574&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,530&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9,866&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">207&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">17,177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average BRL/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.892</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.979</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.652</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CLP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,054.241</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,018.994</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,108.027</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,099.571</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average COP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,566</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.860</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.867</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.884</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22.187</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">23.465</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22.823</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.078</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.175</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average PLN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.321</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.307</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.309</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CAD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.611</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average UYU/EUR exchange rate</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">48.093</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">48.729</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">49.916</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">53.350</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,431</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,446</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6,878</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">33,324</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">15,991</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">62,070</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) GBP</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.020</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.120</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.640</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.370</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.340</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.010</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.000</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.460</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.170</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.010</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.500</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.740</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.460</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.720</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CZK</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.000</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NOK</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.400</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.820</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) RON</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.610</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.200</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) HKD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.960</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NZD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.250</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Foreign exchange risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">473&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">287&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,165&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CNY/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7,710</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7,710</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7,710</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,178</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">12&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">148&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,355&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,859&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,669&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,043&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.690&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CZK/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.190&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) RON/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.970&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) HKD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.620&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) JPY/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.300&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.410&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NOK/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.440&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.500&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CHF/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.030&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.250&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/COP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">12.750&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10.580&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10.540&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7.760&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR/GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.690&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/MXN</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11.300</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.599</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.584</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average NZD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.666</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CZK/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">26.030</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">25.634</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average EUR/GBP exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.189</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average EUR/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.982</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.943</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average HKD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8.488</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average JPY/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">134.151</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">129.229</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19.083</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average NOK/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9.519</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10.429</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average RON/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.810</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.940</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.980</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.019</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.932</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/COP exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/MXN exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.052</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Basis Risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Basis risk instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;&#160;Nominal</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">500&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">500&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></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:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate and foreign exchange rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,055&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">84&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,139&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.520&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CHF/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.110&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.580</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.560</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average RON/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.940</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.000</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;Bond Forward instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6,200&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5,820&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">12,020&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.910&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></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="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">83&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">125&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">222&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average exchange rate GBP/EUR</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.200</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.170</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.190</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedges of net investments in foreign operations</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,240&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5,070&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">12,821&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">21,131&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average BRL/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.990</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.120</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.270</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CLP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,052.780</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,066.580</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,045.090</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average COP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,703</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.860</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.850</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.850</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20.280</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19.830</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">21.970</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.090</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.080</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.090</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average PLN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.370</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.410</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.410</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CAD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.500</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.940</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average UYU/EUR exchange rate</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">45.820</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">45.160</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">48.290</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair value hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,532&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">194&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7,880&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22,714&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,775&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">41,095&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.375&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.479&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.036&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.096&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.014&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.085&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.422&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.421&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CHF</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.010&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.015&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.688&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.603&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.801&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.446&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Foreign exchange risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">278</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">634</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">524</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">50</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,486</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average PEN/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.784</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.751</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CNY/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7.323</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7.732</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7.716</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.648</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.665</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19.363</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average COP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,159.190</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,998.060</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MAD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10.929</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11.057</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average PEN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.095</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.110</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">30</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">66</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,450</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,321</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,150</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7,017</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.800&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.615&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CZK/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.000&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) RON/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.130&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.967&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) HKD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.580&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.270&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) JPY/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.465&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.298&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.407&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NOK/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.441&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.501&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CHF/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.243&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/MXN</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">14.250&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/COP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">17.980&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.152&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">13.207&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7.149&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR/USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(0.140)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/CLP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.450&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.499</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.545</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CZK/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">25.831</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average EUR/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.891</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.961</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average HKD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8.782</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8.666</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average JPY/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">120.568</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">134.151</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">129.229</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average NOK/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9.519</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10.429</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average RON/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.711</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.887</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.104</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19.083</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/CLP exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.001</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average NZD/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.666&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/MXN exchange rate</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.058&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Cash flow hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate and foreign exchange rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">414&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,075&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">86&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,575&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CHF/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.106&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.521&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average EUR/GBP exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.173&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.625&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.584&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.562&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average RON/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.940&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.002&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Bond Forward instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">750</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,500</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7,750</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(0.124)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(0.889)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.016&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">111&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average exchange rate GBP/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.148&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.146&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.138&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedges of net investments in foreign operations</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,593&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,870&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,034&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,497&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average BRL/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.569&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.505&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.481&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CLP/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">916.724&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">936.166&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">987.202&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average COP/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,525.656&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average GBP/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.866&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.867&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.876&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20.078&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20.589&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20.210&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.129&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.081&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average PLN/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.664&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.752&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.580&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CAD/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.461&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.940&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average UYU/EUR exchange rate</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">43.235&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">43.521&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">44.400&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i0e1290a0a9ee432897bb492e2109cde4"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">Other geographies</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Consumer Group entities mainly have loans portfolios at fixed interest rates and are therefore, exposed to changes in fair value due to movements in market interest rates. The entities manage this risk by contracting interest rate swaps in which they pay a fixed rate and receive a variable rate. Interest rate risk is the only one hedged and, therefore, other risks, such as credit risk, are managed but not hedged by the entities. The interest rate risk component is determined as the change in fair value of fixed rate loans arising solely from changes&#160;in&#160;a reference rate. This strategy is designated as a fair value hedge and its effectiveness is assessed by comparing changes in the fair value of loans attributable to changes in reference interest rates with changes in the fair value of interest rate swaps.</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:130%">In addition, in order to access international markets with the aim of obtaining sources of financing, some Consumer Group&#180;s entities issue fixed rate debt in their own currency and in other currencies that differ from their functional currency. Therefore, they are exposed to changes in both interest rates and exchange rates, which they mitigate with derivatives (interest rate swaps, fx forward and cross currency swaps) in which they receive a fixed interest rate and pay a variable interest rate, implemented with a fair value hedge.</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:130%">The cash flow hedges of the Grupo Santander&#180;s entities hedge the foreign currency risk of loans and financing. </span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Finally, it has hedges of net investments abroad to hedge the foreign exchange risk of the shareholding in NOK, CNY, PLN, CAD and CHF currencies.</span></div><div style="margin-bottom:9pt;margin-top:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico, applies accounting hedges for both fair value and cash flows through micro-hedging structures to mitigate risks arising from fluctuations in interest rates and exchange rates.</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:130%">In its cash flow hedges, the Bank is primarily exposed to exchange rate risk stemming from portfolios of Mexican government bonds issued in a currency other than its functional currency, Brazilian government bonds denominated in reais, US Treasury bonds in dollars, and fixed-rate debt issuances in USD. These exposures are mitigated through fixed-rate cross-currency swaps and FX forward contracts, using different currency combinations (MXN, USD, and BRL) depending on the nature of each portfolio.</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:130%">The Bank also maintains exposures to interest rate risk associated with bank loans and commercial loans, both fixed-rate and floating-rate. To manage this risk, interest rate swaps are used, whereby the Bank exchanges fixed-rate cash flows for variable-rate cash flows or vice versa, in order to stabilize future cash flows.</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:130%">In its fair value hedges, Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico holds portfolios of long-term, fixed-rate commercial loans and Mexican government bonds, denominated in both local and non-functional currencies. These portfolios are exposed to changes in fair value resulting from fluctuations in market interest rates and, where applicable, exchange rates. These exposures are mitigated through interest rate swaps and cross-currency swaps, designated as hedging instruments.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Only interest rate and exchange rate risks are hedged, while other risks, such as credit risk, are managed by the entity but are not designated as hedged risks within the hedging relationships. The effectiveness of the hedges is assessed by comparing the changes in the fair value of the hedged items attributable to the hedged risk with the changes in the fair value of the derivative instruments. </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:130%">Banco Santander (Brasil) S.A. has fair value and cash flow hedges to mitigate risks arising from market interest rate fluctuations.</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:130%">In market risk hedging, the Bank protects recognized assets and liabilities against changes in interest rates, exchange rates, and inflation. The risk management methodology segments exposures by risk factor (BRL/USD exchange rate risk, BRL fixed interest rate risk, USD foreign exchange coupon risk, inflation risk, among others). To mitigate these risks, the Bank primarily uses interest rate swaps, currency swaps, and futures contracts, designated as hedging instruments within hedge accounting structures. The results derived from hedging instruments and hedged items are recognized directly in the income statement.</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:130%">In cash flow hedging, Banco Santander (Brasil) S.A. hedges its exposure to cash flow variability, primarily associated with interest payments and exchange rate movements, arising from assets and liabilities denominated in foreign currency or at variable rates. To this end, futures contracts and interest rate swaps are used to provide predictability to future cash flows. The effective portion of the change in the value of the hedging instruments is temporarily recognized in equity and reclassified to profit or loss when the anticipated transaction occurs, while the ineffective portion is recognized directly in profit or loss. As of December 31, 2025, no amounts corresponding to the ineffective portion have been recorded.</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:130%">Additionally, Banco Santander - Chile uses fair value hedges with cross currency swaps, interest rate swaps and call money swaps to hedge its exposure to changes in the fair value of the hedged item attributable to interest rates. The aforementioned hedging instruments modify the effective cost of long-term issues, from a fixed interest rate to a variable interest rate. </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:130%">In addition, it also makes cash flow hedges in which it uses cross currency swaps to cover the risk of variability of flows attributable to changes in the interest rate of bonds and interbank loans issued at variable rates, as well as to cover the variation of foreign currency, mainly in United States dollars. To hedge the inflation risk present in certain items, it uses both forwards and cross currency swaps.</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:130%">At Santander Bank, National Association, Interest Rate Swaps are used to leave commercial loans at a fixed rate at a variable rate in USD indexed to 1-month Libor or SOFR, under cash flow hedges.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Regarding the hedged items, the following table shows the detail of the type of hedging, the risk that is hedged and which products are being hedged  at 31 December 2025,  2024 and 2023. The products that are being hedged are mainly borrowed deposits, financial deposits, loans, government bonds as assets and financial bonds as liabilities: </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:16.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.720%"></td><td style="width:0.1%"></td></tr><tr style="height:11pt"><td colspan="3" rowspan="4" style="padding:0 1pt"></td><td colspan="27" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr style="height:11pt"><td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr style="height:33pt"><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Carrying amount of hedged items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Accumulated amount of fair value adjustments on the hedged item</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Balance&#160;sheet&#160;line&#160;item</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Change in fair value of hedged item for ineffectiveness assessment</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Cash flow reserves or conversion reserves</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Continuing hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Discontinued hedges</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">166,907</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">107,124</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(191)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">490</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Loans and advances / Deposits and Debt securities / Debt securities issued</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">461</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">152,380&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">93,395&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(201)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">364&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">400&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,154&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">242&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(43)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest and Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">9,619&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">13,487&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">126&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">66&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,253&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">38&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Base risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">501&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,063)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">401</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">235</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1,174)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">381&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">86&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">240&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest and Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(131)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">162&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equity risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net foreign investments hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">19,666</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(136)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(7,867)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">19,666</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(136)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(7,867)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">186,573</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">107,124</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(191)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">490</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(738)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(7,466)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">237</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:16.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.720%"></td><td style="width:0.1%"></td></tr><tr style="height:11pt"><td colspan="3" rowspan="4" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="27" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr style="height:11pt"><td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr style="height:33pt"><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Carrying amount of hedged items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Accumulated amount of fair value adjustments on the hedged item</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Balance&#160;sheet&#160;line&#160;item</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Change in fair value of hedged item for ineffectiveness assessment</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Cash flow reserves or conversion reserves</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Continuing hedges</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Discontinued hedges</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">138,906</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">32,642</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,412)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,200)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Loans and advances / Deposits and Debt securities / Debt securities issued</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(461)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">133,149&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">23,780&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1,345)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1,176)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(343)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,017&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,562&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(118)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest and Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,238&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">7,205&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(68)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(27)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Base risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">502&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">95&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(564)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(478)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">50</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(156)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(794)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">83&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(439)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">213&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest and Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(40)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">69&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(52)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equity risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net foreign investments hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">23,559</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(420)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(8,002)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">23,559</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(420)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(8,002)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">162,465</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">32,642</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,412)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,200)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,445)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(8,480)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">50</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:16.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.307%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.016%"></td><td style="width:0.1%"></td></tr><tr style="height:11pt"><td colspan="3" rowspan="4" style="border-bottom:0.5pt solid #ec0000;border-top:1pt solid #ffffff;padding:0 1pt"></td><td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr style="height:11pt"><td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr style="height:33pt"><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Carrying amount of hedged items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Accumulated amount of fair value adjustments on the hedged item</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Balance&#160;sheet&#160;line&#160;item</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Change in fair value of hedged item for ineffectiveness assessment</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Cash flow reserves or conversion reserves</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:1pt solid #c3dee7;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Continuing hedges</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Discontinued hedges</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">134,095</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">26,946</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,798)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,652)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Loans and advances / Deposits and Debt securities / Debt securities issued</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,928</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">130,672&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">19,176&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1,682)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1,546)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,757&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">637&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,365&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">60&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest and Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,786&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">6,405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(115)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(103)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">111&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,824)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(813)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(173)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2,182)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(797)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(77)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">500&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(80)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest and Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(144)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(233)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">196&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(96)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equity risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">12&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net foreign investments hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">18,706</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,888</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(8,684)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">18,706&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,888&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(8,684)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">152,801</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">26,946</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,798)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,652)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,992</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(9,497)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(173)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The cumulative amount of adjustments of the fair value hedging instruments that remain in the balance for hedges items that are no longer adjusted by profit and loss of coverage as at 31 December 2025 is EUR 227 losses (EUR 775&#160;million and EUR 1,006&#160;million losses in 2024 and 2023, respectively).</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:130%">The net impact of the hedges are shown in the following table:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:25.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.347%"></td><td style="width:0.1%"></td></tr><tr style="height:12pt"><td colspan="3" rowspan="4" style="padding:0 1pt"></td><td colspan="15" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr style="height:12pt"><td colspan="15" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr style="height:21pt"><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Earnings/(losses) recognised in another cumulative overall result</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Ineffective  recognised in the income statement</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Line of the income statement that includes the ineffectiveness of cash flows</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Reclassified amount of reserves to the income statement due to:</span></td></tr><tr style="height:39pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cover transaction affecting the income statement</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Line of the income statement that includes reclassified items</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gains or losses financial assets/liabilities</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest rate risk</span></div></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(33)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate and exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Inflation risk</span></div></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,063</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(706)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest margin/Gains or losses financial assets/liabilities</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest rate risk</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,174&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(638)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(240)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">85&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(233)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">131&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net foreign investments hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">136</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">136&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">1,199</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">11</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(706)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;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:99.871%"><tr><td style="width:1.0%"></td><td style="width:25.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.347%"></td><td style="width:0.1%"></td></tr><tr style="height:12pt"><td colspan="3" rowspan="4" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="15" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr style="height:12pt"><td colspan="15" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr style="height:21pt"><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Earnings/(losses) recognised in another cumulative overall result</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Ineffective  recognised in the income statement</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Line of the income statement that includes the ineffectiveness of cash flows</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Reclassified amount of reserves to the income statement due to:</span></td></tr><tr style="height:39pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cover transaction affecting the income statement</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Line of the income statement that includes reclassified items</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">22</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gains or losses financial assets/liabilities</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Interest rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(17)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate and exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 7pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">558</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,256)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest margin/Gains or losses financial assets/liabilities</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">163&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,166)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">312&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">319&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">155&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(340)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(70)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(69)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net foreign investments hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">420</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">420&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">978</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">16</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(1,256)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:25.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.347%"></td><td style="width:0.1%"></td></tr><tr style="height:12pt"><td colspan="3" rowspan="4" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="15" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr style="height:12pt"><td colspan="15" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr style="height:21pt"><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Earnings/(losses) recognised in another cumulative overall result</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Ineffective coverage recognised in the income statement</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Line of the income statement that includes the ineffectiveness of cash flows</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Reclassified amount of reserves to the income statement due to:</span></td></tr><tr style="height:39pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cover transaction affecting the income statement</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Line of the income statement that includes reclassified items</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gains or losses financial assets/liabilities</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Interest rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">72&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate and exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,592</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gains or losses financial assets/liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,622)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest margin/Gains or losses financial assets/liabilities</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,179&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,647)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(416)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">164&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(431)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">233&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(128)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net foreign investments hedges<br/>hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,888)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,888)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">704</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">63</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(2,622)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr></table></div><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table shows the movement in the impact of equity for the year:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:60.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.555%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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 8.09pt 0 1pt;text-indent:-7.09pt"><div style="margin-bottom:6pt;padding-right:7.09pt;text-align:justify;text-indent:-7.09pt"></div></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(8,300)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(9,424)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(9,187)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,049</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">558</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,592</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,155</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">163</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,179</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">A) Not designated elements - linked to a time period</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(19)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:17.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain or loss in value - recognized in equity</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(19)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:17.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other reclassifications</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">B) Not designated elements - linked to a transaction</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">C) Designated elements</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,174</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">163</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,179</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">638&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,166&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,647&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain or loss in value CFE - recognized in equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">536&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,003)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">532&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(229)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">312</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">A) Not designated elements - linked to a time period</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:17.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain or loss in value - recognized in equity</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">26&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(15)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:17.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other reclassifications</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">B) Not designated elements - linked to a transaction</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">C) Designated elements</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(240)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">312</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(85)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(319)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">416&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain or loss in value CFE - recognized in equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(155)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">631&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(409)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">8</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">155</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">164</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">A) Not designated elements - linked to a time period</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">B) Not designated elements - linked to a transaction</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">C) Designated elements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">155</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">164</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">233&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">340&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">431&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain or loss in value CFE - recognized in equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(225)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(185)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">267&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">131</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(70)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">233</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(80)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">69&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">128&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain or loss in value CFE - recognized in equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">211&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(139)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">105&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(16)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(2)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">A) Not designated elements - linked to a time period</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:17.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain or loss in value - recognized in equity</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(8)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:17.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other reclassifications</span></div></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">B) Not designated elements - linked to a transaction</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">C) Designated elements</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(10)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(2)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:60.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.555%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain or loss in value CFE - recognized in equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(10)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Net foreign investments hedges</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">136</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">420</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">(1,888)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">136</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">420</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">(1,888)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">A) Not designated elements - linked to a time period</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">B) Not designated elements - linked to a transaction</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">C) Designated elements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">136</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">420</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(1,888)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain or loss in value CFE - recognized in equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">136&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">420</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(1,888)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Fair Value hedges</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">A) Not designated elements - linked to a time period</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">B) Not designated elements - linked to a transaction</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">A) Not designated elements - linked to a time period</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">B) Not designated elements - linked to a transaction</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">A) Not designated elements - linked to a time period</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">B) Not designated elements - linked to a transaction</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Minorities, taxes and others</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">(330)</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">146</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">(941)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">Balance at end of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(7,445)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(8,300)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(9,424)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for general hedge accounting.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Section Hedge accounting<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;doctype=Standard&amp;dita_xref=IFRS07_g21A-24G_TI<br> -URIDate 2025-03-27<br></p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Discontinued operations<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract', window );"><strong>Non-current assets or disposal groups classified as held for sale or as held for distribution to owners [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDiscontinuedOperationsExplanatory', window );">Discontinued operations</a></td>
<td class="text">Discontinued operations<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As a result of the agreement for the sale of part of the Polish business, the effect of these businesses on the consolidated income statement of 2025 has been classified under the line item 'Profit/(loss) after tax from discontinued operations', with the same classification applied for comparative purposes in the consolidated income statement of years 2024 and 2023 (see Note 3).</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i3e43c14d3f6246aaa8000757a85fe2db"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown</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:130%">The following is a breakdown of the heading 'Profit/loss after tax from discontinued operations' at 31 December of 2025, 2024 and 2023:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">Entities held for sale</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Bank Polska (Note 3)</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,542</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">1,241</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">1,058</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">Profit/loss after tax from discontinued operations</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">1,542</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">1,241</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">1,058</span></td></tr></table></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="id047b6c8096344d99edc2514b6af0369"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Gains or losses from entities held for sale</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:130%">The following are the consolidated summary profit and loss accounts for the business held for sale in Poland:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Condensed consolidated income statements</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest margin</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,006&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,881&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,611&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Dividend income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Investments accounted for using the equity method</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net commissions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">685&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">634&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">562&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net trading income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">74&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">62&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">68&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating results</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(77)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(109)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(94)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,720</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,496</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,172</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Administrative expenses, depreciation and amortisation cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,014)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(885)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(793)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment of financial assets</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"> A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(285)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(508)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(658)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other results and provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(471)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(423)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(267)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit before taxes</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,950</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,680</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,454</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax expense</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(408)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(439)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(396)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit of the year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,542</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,241</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,058</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Of which EUR 144 million correspond to renegotiations or contractual modifications at 31 December 2025 (EUR 334  and 457 million at 31 December 2024 and 2023, respectively).</span></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfDiscontinuedOperationsExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of discontinued operations. [Refer: Discontinued operations [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfDiscontinuedOperationsExplanatory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract">
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<td style="white-space:nowrap;">ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Interest income<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AnalysisOfIncomeAndExpenseAbstract', window );"><strong>Analysis of income and expense [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInterestIncomeExplanatory', window );">Interest income</a></td>
<td class="text">Interest income<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Interest and similar income in the consolidated income statement comprises the interest accruing in the year on all financial assets with an implicit or explicit return, calculated by applying the effective interest method, irrespective of measurement at fair value; and the rectifications of income as a result of hedge accounting. Interest is recognised gross, without deducting any tax withheld at source.</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:130%">The detail of the main interest and similar income items earned in 2025, 2024 and 2023 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:99.474%"><tr><td style="width:1.0%"></td><td style="width:57.104%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.831%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.831%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.834%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances,&#160;customers</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">70,830&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">74,900&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">67,879&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,890&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,431&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,955&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances,&#160;central banks and credit institutions</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,599&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,195&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,229&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other interest</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,391&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,486&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,679&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">101,710</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">109,012</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">101,742</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Mainly include the rectification of income originating from accounting hedges as well as interest on balances in central banks and on demand credit institutions.</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:130%">Most of the interest and similar income was generated by the Group&#8217;s financial assets that are measured either at amortised cost or at fair value through other comprehensive income.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Interest expense<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AnalysisOfIncomeAndExpenseAbstract', window );"><strong>Analysis of income and expense [abstract]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInterestExpenseExplanatory', window );">Interest expense</a></td>
<td class="text">Interest expense<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Interest expense and similar charges in the consolidated income statement includes the interest accruing in the&#160;year on all financial liabilities with an implicit or explicit return, including remuneration in kind, calculated by applying the effective interest method, irrespective of measurement at fair value; the rectifications of cost as a result of hedge accounting; and the interest cost attributable to provisions recorded for pensions.</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:130%">The detail of the main items of interest expense and similar charges accrued in 2025, 2024 and 2023 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:58.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.481%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,735&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,714&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,457&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities issued and subordinated liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,066&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,612&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,671&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Marketable debt securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">13,580&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,255&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,661&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Subordinated liabilities (note&#160;23)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,486&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,357&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,010&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks and credit institution deposits</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,151&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,381&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,360&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Lease Liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">107&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">122&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">127&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for pensions (note&#160;25)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">91&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">105&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Other interest expense</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,212&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,291&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,384&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59,362</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">65,225</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">61,092</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">Most of the interest expense and similar charges was generated by the Group&#8217;s financial liabilities that are measured at amortised cost.</span></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Dividend income<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AnalysisOfIncomeAndExpenseAbstract', window );"><strong>Analysis of income and expense [abstract]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDividendsExplanatory', window );">Dividend income</a></td>
<td class="text">Dividend income<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Dividend income includes the dividends and payments on equity instruments out of profits generated by investees after the acquisition of the equity interest.</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:130%">The detail of income from dividends 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:53.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.025%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Dividend income classified as:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">556&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">521&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">414&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">102&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">118&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">86&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">715</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">710</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">568</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AnalysisOfIncomeAndExpenseAbstract</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of dividends. Dividends are distributions of profits to holders of equity investments in proportion to their holdings of a particular class of capital.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfDividendsExplanatory</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Commission income<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeAbstract', window );"><strong>Fee and commission income [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfFeeAndCommissionIncomeTextBlock', window );">Commission income</a></td>
<td class="text">Commission income<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Commission income comprises the amount of all fees and commissions accruing in favour of the Group in the year, except those that form an integral part of the effective interest rate on financial instruments.</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:130%">The detail of fee and commission income 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Coming from collection and payment services</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Bills</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">209&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">220&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">232&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Demand accounts</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,359&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,411&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,372&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cards</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,039&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,067&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,146&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Orders</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">607&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">657&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">656&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cheques and other</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">140&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">138&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">128&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,354</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,493</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,534</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Coming from non-banking financial products</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Investment funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,428&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,389&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,037&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pension funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">238&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">194&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">178&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Insurance</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,782&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,865&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,669&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,448</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,448</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,884</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Coming from Securities services</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Securities underwriting and placement</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">602&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">586&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">502&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Securities trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">654&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">452&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">331&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Administration and custody</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">402&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">370&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">354&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Asset management</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">385&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">254&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">341&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,043</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,662</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,528</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Foreign exchange</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">848&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">705&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">678&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Commitments and financial guarantees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">718&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">713&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">621&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Commitment fees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">504&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">491&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">497&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Structure Finance</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">902&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">709&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">551&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Corporate Finance</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">243&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">213&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">136&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans granted</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">259&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">318&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">259&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loan Servicing activities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">118&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">130&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Other fees and commissions</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">950&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">952&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">911&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,542</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,231</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,698</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,387</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,834</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,644</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Commission expense<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfFeeAndCommissionExpensesTextBlock', window );">Commission expense</a></td>
<td class="text">Commission expense<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Commission expense shows the amount of all fees and commissions paid or payable by the Group in the&#160;year, except those that form an integral part of the effective interest rate on financial instruments.</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:130%">The detail of commission expense 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,816&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,858&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">By collection and return of effects</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial guarantees and other commitments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">359&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">323&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">282&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brokerages and intermediaries</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">130&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">181&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">204&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Sales of insurance and  funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">456&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">453&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">352&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other fees and commissions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,692&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,655&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,429&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,411</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,458</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,149</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Gains or losses on financial assets and liabilities<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsExplanatory', window );">Gains or losses on financial assets and liabilities</a></td>
<td class="text">Gains or losses on financial assets and liabilities<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following information is presented below regarding the gains or losses recorded for financial assets or liabilities:</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i83bfac63a19742548b151d90683cb331"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown</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:130%">The detail, by origin, of Gains/losses on financial assets and liabilities:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gains or losses on financial assets and liabilities not measured at fair value through profit or loss, net</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">127&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(117)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;Financial assets at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(89)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(190)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;Other financial assets and liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">216&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">99&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which debt instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">133&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">51&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains or losses on financial assets and liabilities held for trading, net</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,017&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,344&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,316&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains or losses on non-trading financial assets and liabilities mandatory at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,106&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">495&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">198&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains or losses on financial assets and liabilities measured at fair value through profit or loss, net</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(307)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">691&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(92)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains or losses from hedge accounting, net</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,955</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,427</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,587</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Includes the net result obtained by transactions with debt securities, equity instruments, derivatives and short positions included in this portfolio when the Group jointly manages its risk in these instruments.</span></div><div style="margin-bottom:9pt"><span><br/></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:130%">As explained in note 44, the above breakdown should be analysed in conjunction with the 'Exchange differences, net':</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Exchange differences, net</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">407&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(216)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(22)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt"><span id="i8fbc9dd376b94fc4a7f56b206a169c54"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Financial assets and liabilities at fair value through profit or loss</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:130%">The detail of the amount of the asset balances 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:54.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.717%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and receivables:</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80,218&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">72,931&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">51,072&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,632&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,966&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,717&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,380&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,722&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,520&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39,206&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">32,243&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,835&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">101,707&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">85,990&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">66,079&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,845&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,277&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,125&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58,355&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">64,100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">56,328&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">268,125</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">244,298</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">192,604</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">Grupo Santander mitigates and reduces this exposure as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">With respect to derivatives, the Group has entered into framework agreements with a large number of credit institutions and customers for the netting-off of asset positions and the provision of collateral for non-payment.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025 the exposure to credit risk of the derivatives presented in the balance sheet is not significant because they are subject to netting and collateral agreements (see note 51.d).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Loans and advances to credit institutions and Loans and advances includes reverse repos amounting to EUR 71,129 million at 31 December 2025.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Also, mortgage-backed assets totalled EUR 1,597 million.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Debt instruments include EUR 80,908 million of Spanish and foreign government securities.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025 the amount of the change in the&#160;year in the fair value of financial assets at fair value through profit or loss attributable to variations in their credit risk (spread) was not material.</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:130%">The detail of the amount of the liability balances 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:51.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.643%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deposits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">106,003&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">87,374&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">80,503&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,471&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,074&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,017&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,482&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,909&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,597&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customer</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,050&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">44,391&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">51,889&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Marketable debt securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,686&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,554&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,371&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Short positions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,015&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">35,830&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,174&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,968&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57,753&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50,589&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">213,694</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">188,511</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">162,637</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">At 31 December 2025, the amount of the change in the fair value of financial liabilities at fair value through profit or loss attributable to changes in their credit risk during the&#160;year is not material.</span></div></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:130%">In relation to liabilities designated at fair value through profit or loss where it has been determined at initial recognition that the credit risk is recorded in accumulated 'Other comprehensive income' (see 'Statement of recognised income and expense')&#160;the amount that the Group would be contractually obliged to pay on maturity of these liabilities at 31 December 2025 is EUR 1,281 million higher than their carrying amount (EUR 1,851 million higher at 31 December 2024 and EUR 866 million higher at 31 December 2023, no significant impact on results as its fair value is covered by hedging operations.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Within Deposits, there are repurchase agreements amounting to EUR 75,562 million at 31 December 2025.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for financial instruments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Section Scope<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;doctype=Standard&amp;dita_xref=IFRS07_g3-5A_TI<br> -URIDate 2025-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Exchange differences, net<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ForeignExchangeRatesAbstract', window );"><strong>Foreign exchange rates [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">Exchange differences, net<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Exchange differences shows basically the gains or losses on currency dealings, the differences that arise on translations of monetary items in foreign currencies to the functional currency.</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:130%">Grupo Santander manages the currencies to which it is exposed together with the arrangement of derivative instruments and, accordingly, the changes in this line item should be analysed together with those recognised under 'Gains/losses on financial assets and liabilities' (see note&#160;43).</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for the effect of changes in foreign exchange rates.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 21<br> -IssueDate 2025-01-01<br> -Section Disclosure<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2025-en-r&amp;doctype=Standard&amp;dita_xref=IAS21_g51-57_TI<br> -URIDate 2025-03-27<br></p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other operating income and expenses<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="text">&#160;<span></span>
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<tr class="ro">
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<td class="text">Other operating income and expenses<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Other operating income and Other operating expenses in the consolidated income statements include:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:56.307%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.097%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.097%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.099%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,583</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">846</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,137</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non- financial services</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">738&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">654&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">752&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">845&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">192&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">385&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other operating expense</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,429)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(2,595)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(3,066)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-financial services</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(650)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(498)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(674)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating expense:</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,779)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,097)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,392)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which, credit institutions deposit guarantee fund and single resolution fund</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(478)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(481)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,083)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(846)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,749)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,929)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:8.6pt;font-weight:400;line-height:130%">In the 2025 and 2024 financial years, it was decided that there will not be contribution in Spain to the Single Resolution Fund, as well as a decrease in the contribution to the Deposit Guarantee Fund, by the Single Resolution Board (SRB) and the Deposit Guarantee Fund  Management Committee, respectively. </span></div>The amount of the Group recognises in relation to income from sub-leases of rights of use is not material.<span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Staff costs<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract', window );"><strong>Classes of employee benefits expense [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfEmployeeBenefitsExplanatory', window );">Staff costs</a></td>
<td class="text">Staff costs<div style="margin-bottom:6pt;margin-top:9pt"><span id="i4d455e9c5acf4839a8e63a9d139c4059"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown</span></div><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Staff costs is as follows:</span></div><div style="margin-bottom:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:59.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.173%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wages and salaries</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,351&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,567&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,042&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Social Security costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,680&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,644&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,576&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Additions to provisions for defined benefit pension plans (note&#160;25)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Contributions to defined contribution pension funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">332&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">354&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">307&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other Staff costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,252&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,241&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,332&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,656</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,851</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,299</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="ifd243c4bb6e9420a9a49d48b3e7fe5b3"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Headcount</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:115%">The number of employees of Grupo Santander at 31 December 2025, 2024 and 2023 is 198,403, 206,753 and 212,764, respectively. For the years 2025, 2024 and 2023 the average number of employees of the Group is 203,572, 209,371 and 211,135 , respectively, being the average number of employees of Banco Santander, S.A. 23,207, 23,839 and 24,061, of which 17, 15 and 16 are executive directors and Senior management, respectively.</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:130%">The functional breakdown (final employment), by gender, at 31 December&#160;2025 is as follows:</span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"></td><td style="width:11.232%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.397%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.180%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.180%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.815%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.542%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.289%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.180%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.883%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.666%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.394%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.289%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.586%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.883%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.784%"></td><td style="width:0.1%"></td></tr><tr><td colspan="39" style="padding:2px 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:105%">Functional&#160;breakdown&#160;by&#160;gender</span></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="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Senior executives</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other executives</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other employees</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Men</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Women</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Not declared</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Men</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Women</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Not declared</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Men</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Women</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Not declared</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Europe</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">918&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">426&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,778&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,052&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,404&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37,094&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">North America</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">181&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,859&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,630&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,555&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,517&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">South America</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">284&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">142&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,678&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,398&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,472&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,890&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">1,383</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">632</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">17,315</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">91,501</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">41</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Senior Executives includes employees with job profiles under the following harmonized management levels: Senior Executive VP. Executive VP and VP. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Other Executives includes Directors, Mangers, Experts and Branch Managers.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: This includes employees related to the Group's business held for sale in Poland.</span></div><div style="padding-left:7.09pt;padding-right:263.62pt;text-indent:-7.09pt"><span><br/></span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The labour relations between employees and the various Group companies are governed by the related collective agreements or similar regulations. </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:130%">The number of Group employees with disabilities at 31 December 2025, 2024 and 2023, was 4,854, 4,828 and 4,701, respectively.</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:130%">Likewise, the average number of employees of Banco Santander, S.A. with disabilities, equal to or greater than 33%, during 2025 was 419 (435 and 428 employees during 2024 and 2023). At the end of fiscal year 2025, there were 413 employees (432 and 436 employees at 31 December, 2024 and 2023, respectively).</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:130%">An employee with disabilities is considered to be a person who is recognised by the State or the company in each jurisdiction where the Group operates and that entitles them to receive direct monetary assistance, or other types of aid such as, for example, reduction of their taxes. In the case of Spain, employees with disabilities have been considered to be those with a degree of disabilities greater than or equal to 33%.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt"><span id="i6425136598324ad399e750687187848e"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Share-based payments</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:130%">The main share-based payments granted by the Group in force at 31 December,&#160;2025, 2024 and 2023 are described below.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i634d8e2aa9134b8783b4118d8b879f0e"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Bank</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:130%">The variable remuneration policy for the Bank&#8217;s executive directors and certain executive personnel of the Bank and of other Group companies includes Bank share-based payments, the implementation of which requires, in conformity with the law and the Bank&#8217;s Bylaws, specific resolutions to be adopted by the general meeting.</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:130%">Were it necessary or advisable for legal, regulatory or other similar reasons, the delivery mechanisms described below may be adapted in specific cases without altering the maximum number of shares linked to the plan or the essential conditions to which the delivery thereof is subject. </span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">These adaptations may involve replacing the delivery of shares with the delivery of cash amounts of an equal value.</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:130%">The plans that include share-based payments are as follows: (i)&#160;Deferred and Conditional Variable Remuneration Plan; (ii)&#160;Deferred Multiyear Objectives Variable Remuneration Plan; (iii)&#160;Digital Transformation Award, (iv) Digital Transformation Award 2022, Digital Transformation Award 2023 and (vi) PagoNxt incentive Plan 2024 and 2025 for Santander executives. The characteristics of the plans are set forth below: </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.235%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Deferred variable remuneration systems</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Description and plan beneficiaries</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Conditions</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Calculation Base</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(i) Deferred and conditional variable remuneration plan (2015, 2016, 2017, 2018, 2019, 2020, 2021,  2022, 2023, 2024 and 2025)</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The purpose of these cycles is to defer a portion of the variable remuneration of the beneficiaries over a period of three years for the sixth cycles, over <span style="-sec-ix-hidden:f-10847">three</span> or five years for the fifth, seventh, eighth, ninth, tenth and eleventh cycles, and over <span style="-sec-ix-hidden:f-10849">four</span> or five years for the twelfth cycle, for it to be paid, where appropriate, in cash and in Santander shares. The other portion of the variable remuneration is also to be paid in cash and Santander shares, upon commencement of the cycles, in accordance with the rules set forth below.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Beneficiaries:</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Executive directors and certain executives (including senior management) and employees who assume risk, who perform control functions or receive an overall remuneration which puts them on the same remuneration level as executives and employees who assume risks (fifth cycle).</span></div><div><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">In the case of the sixth, seventh, eighth, ninth, tenth, eleventh twelfth, thirteenth, fourteenth and fifteenth cycle the beneficiaries are Material Risk Takers (Identified staff) that are not beneficiaries of the Deferred Multiyear Objectives Variable Remuneration Plan.</span></div><div><span><br/></span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">For the fifth and sixth cycles (2015 to 2016), the accrual of the deferred compensation is conditioned, in addition to the requirement that the beneficiary remains in the Group's employ, with the exceptions included in the plan regulations on none of the following circumstances existing during the period prior to each delivery, pursuant to the provisions set forth in each case in the plan regulations: </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Poor financial performance of the Group.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Breach by the beneficiary of internal regulations, including, in particular, those relating to risks.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Material restatement of the Group's consolidated financial statements, except when it is required pursuant to a change in accounting standards.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Significant changes in the Group&#8217;s economic capital or risk profile</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In the case of the seventh, eighth, ninth, tenth, eleventh, twelfth, thirteenth, fourteenth and fifteenth cycles, the accrual of deferred compensation is conditioned, in addition to the permanence of the beneficiary in the Group, with the exceptions contained in the plan's regulations, to non-occurrence of a poor performance of the entity as a whole or of a specific division or area of the entity or of the exposures generated by the personnel:</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">i.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:10.75pt">significant failures in risk management by the entity , or by a business unit or risk control unit.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">ii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:9.1pt">the increase suffered by the entity or by a business unit of its capital needs, not foreseen at the time of generation of the exposures.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">iii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.45pt">Regulatory sanctions or judicial sentences for events that could be attributable to the unit or the personnel responsible for those. Also, the breach of internal codes of conduct of the entity.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">iv.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.47pt">Irregular behaviours, whether individual or collective, considering in particular the negative effects derived from the marketing of inappropriate products and the responsibilities of the persons or bodies that made those decisions.</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Fifth cycle (2015):</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Executive directors and members of the Identified Staff with total variable remuneration higher than 2.6 million euros: 40% paid immediately and 60% deferred over 5 years deferral period.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Division managers, country heads (of countries which represent at least 1% of Group's economic capital), other executives of the Group with a similar profile and members of the Identified Staff  with total variable remuneration between 1.7 million euros (1.8 million in fourth cycle) and 2.6 million euros: 50% paid immediately and 50% deferred over  5 years (fifth cycle)</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Other beneficiaries: 60% paid immediately and 40% deferred over 3 years.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Sixth cycle (2016):</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">60% of bonus will be paid immediately and 40%  deferred over a <span style="-sec-ix-hidden:f-10867">three</span> year period.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Seventh, eighth, ninth, tenth and eleventh cycle (2017, 2018, 2019, 2020 and 2021):</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Beneficiaries of these plans with target total variable remuneration higher or equal to 2.7 million euros: 40%  paid immediately and 60% deferred over 5 years</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Beneficiaries of these plans with target total variable remuneration between 1.7 million euros and 2.7 million euros: 50% paid immediately and 50%paid over 5 years</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Other beneficiaries of these plans: 60% paid immediately and 40% deferred over 3 years.</span></div><div style="text-indent:10.91pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Twelfth (2022), thirteenth (2023),fourteenth (2024) and fifteenth (2025) cycle:</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Beneficiaries of these plans with target total variable remuneration higher or equal to 2.7 million euros: 40% paid immediately and 60% deferred over 5 years</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Beneficiaries of these plans with target total variable remuneration between 1.7 million euros and 2.7 million euros: 50% paid immediately and 50% paid over 5 years</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Other beneficiaries of these plans: 60% paid immediately and 40% deferred over 4 years.</span></div><div style="text-indent:10.91pt"><span><br/></span></div><div style="text-indent:10.91pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">T</span></div><div style="text-indent:10.91pt"><span><br/></span></div><div style="text-indent:10.91pt"><span><br/></span></div></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:99.871%"><tr><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.235%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Deferred variable remuneration systems</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Description and plan beneficiaries</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Conditions</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Calculation Base</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(ii)Deferred Multiyear Objectives Variable Remuneration Plan (2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024 and 2025)</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The aim is simplifying the remuneration structure, improving the ex ante risk adjustment and increasing the impact of the long-term objectives on the Group&#8217;s most relevant roles. The purpose of these cycles is to defer a portion of the variable remuneration of the beneficiaries over a period of <span style="-sec-ix-hidden:f-10914">three</span> or five years (<span style="-sec-ix-hidden:f-10916">four</span> or five years for the seventh cycle) for it to be paid, where appropriate, in cash and in Santander shares; the other portion of the variable remuneration is also to be paid in cash and Santander shares (regarding the instruments part, executive directors in the seventh cycle have the opportunity to choose all in share options or half in share options and half in shares), upon commencement of the cycles, in accordance with the rules set forth below. The accrual of the last third of the deferral (in the case of 3 years deferral), the last 2 fourths (in the case of 4 years deferral) and the last three fifths (in the case of 5 years deferral) is also subject to long-term objectives.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Beneficiaries</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Executive directors, senior management and certain executives of the Group&#8217;s first lines of responsibility.</span></div><div><span><br/></span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In 2016 the accrual is conditioned, in addition to the permanence of the beneficiary in the Group, with the exceptions contained in the plan&#8217;s regulations, to non-occurrence of the following circumstances during the period prior to each of the deliveries in the terms set forth in each case in the plan&#8217;s regulations: </span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">i.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:10.75pt">Poor performance of the Group.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">ii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:9.1pt">Breach by the beneficiary of the internal regulations, including in particular that relating to risks.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">iii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.45pt">Material restatement of the Group&#8217;s consolidated financial statements, except when appropriate under a change in accounting regulations.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">iv.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.47pt">Significant changes in the Group&#8217;s economic capital or risk profile. </span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In 2017, 2018, 2019, 2020 and 2021 the accrual is conditioned, in addition to the beneficiary' permanence in the Group, with the exceptions contained in the plan&#8217;s regulations, to the non-occurrence of poor financial performance from the entity as a whole or of a specific division or area thereof or of the exposures generated by the personnel, taking into account the following factors:</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">v.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:9.12pt">Significant failures in risk management committed by the entity, or by a business unit or risk control unit.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">vi.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.47pt">the increase suffered by the entity or by a business unit of its capital needs, not foreseen at the time of generation of the exposures.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">vii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:5.82pt">Regulatory sanctions or court rulings for events that could be attributable to the unit or the  personnel responsible for those. Also, the breach  of internal codes of conduct of the entity.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">viii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:4.17pt">Irregular behaviours, whether individual or collective, considering in particular negative effects derived from the marketing of inappropriate products and responsibilities of persons or bodies that made those decisions.</span></div><div style="text-indent:3.83pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#160;</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Paid half in cash and half in shares. In the seventh cycle, and only for executive directors: half in cash and 25% in share options and 25% in shares (unless the director chooses to receive options only). The maximum number of shares to be delivered is calculated by taking into account the weighted average daily volume of weighted average prices for the fifteen trading sessions prior to the previous Friday (excluding) on the date on which the board decides the bonus for the Executive directors of the Bank. </span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In the eighth cycle, and for all Identified Staff: half in cash and 25% in shares and 25% in share options, or half in cash and half in shares, according to each executive&#180;s choice.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In the ninth and tenth cycle, half in cash and  half in shares.</span></div><div><span><br/></span></div><div><span><br/></span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">First cycle (2016): </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Executive directors and members of the Identified Staff with total variable remuneration higher than or equal to 2.7 million euros: 40% paid immediately and 60% deferred over a 5  year period. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Senior managers, country heads of countries representing at least 1% of the Group&#180;s capital and other members of the identified staff whose total variable remuneration is between 1.7 million and 2.7 million euros: 50% paid immediately and 50% deferred over a 5 year period. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Other beneficiaries: 60% paid immediately and 40% deferred over a 3 year period. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The second, third, fourth, fifth and sixth cycles (2017, 2018, 2019,2020 and 2021 respectively) are under the aforementioned deferral rules, except that the  variable remuneration considered is the target for each executive and not the actual award. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In 2016 the metrics for the deferred portion subject to long-term objectives (last third or last three fifths, respectively, for the cases of three years and five years deferrals) are: </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Earnings per share (EPS) growth in 2018 over 2015. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Relative Total Shareholder Return (TSR) in the 2016-2018 period measured against a group of credit institutions. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Compliance with the fully-loaded common equity tier 1 ('CET1') ratio target for financial year 2018. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Compliance with Grupo Santander&#8217;s underlying return on risk-weighted assets ('RoRWA') growth target for financial year 2018 compared to financial year 2015. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In the second, third, fourth, fifth and sixth cycle (2017, 2018, 2019, 2020 and 2021) the metrics for the deferred portion subject to long-term objectives (last third or last three fifths, respectively, for the cases of three years and five years deferrals) are: </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">EPS growth in 2019, 2020, 2021, 2022 and 2023 (over 2016, 2017, 2018, 2019 and 2020, for each respective cycle)</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Relative Total Shareholder Return (TSR) measured against a group of 17 credit institutions (second and third cycles) in the periods 2017-2019 and 2018-2019, respectively, and against a group of 9 entities (fourth, fifth and sixth cycle) for the 2019-2021, 2020-2022 and 2010-2023  period. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Compliance with the fully-loaded common equity tier 1 ('CET1') ratio target for financial years 2019, 2020, 2021,2022 and 2023, respectively. </span></div><div style="text-indent:9pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In the seventh (2022), eighth cycle (2023), ninth (2025) and tenth cycle (2025), the metrics for the deferred portion subject to long-term objectives (two last fourths and last three fifths, for the cases of four years and five years deferrals) are:</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Banco Santander's consolidated Return on tangible equity (RoTE) target in 2024 (7th cycle),  2025 (8th cycle), 2026 (9th cycle) and 2027 (10th cycle).</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Relative Total Shareholder Return (TSR) measured against a group of 9 credit institutions for the period 2022-2024 (7th cycle), 2023-2025 (8th cycle), 2024-2026 (9th cycle) and 2025-2027 (10th cycle).</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Progress level  in the  public targets of our Sustainability agenda.</span></div></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:99.871%"><tr><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.235%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Deferred variable remuneration systems</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Description and plan beneficiaries</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Conditions</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Calculation Base</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(iii) Digital Transformation Award (2019, 2020 and 2021)</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The 2019, 2020 and 2021 Digital Transformation Incentive (the 'Digital Incentive') is a variable remuneration system that includes the delivery of Santander shares and share options.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The aim of the Digital Incentive is to attract and retain the critical skill sets to support and accelerate the digital transformation of the Group. By means of this program, the Group offers a remuneration element which is competitive with the remuneration systems offered  by other market operators who also compete for digital talent.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The number of beneficiaries is limited to a maximum of 250 employees and the total amount of the incentive is limited to 30 million euros.</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The funding of this incentive is subject to meeting important milestones that are aligned with the Group&#180;s digital roadmap and have been approved by the board of directors, taking into account the digitalization strategy of the Group, with the aim of becoming the best open, responsible global financial services platform.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Performance of 2019 incentive was measured based on achievement of the following milestones: (i) Launch of a Global Trade Services (GTS) platform; (ii) launch of a Global Merchant Services (GMS) platform; (iii) migration of our fully digital bank, OpenBank, to a 'next generation' platform and launch in 3 markets; (iv) extension of SuperDigital in Brazil to at least one other country; (v) and launch of our international payments app based on blockchain Pago FX to non-Santander customers.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The milestones for the 2020 Digital Transformation Award were: (i) rolling out the global merchant services (GMS) platform in 3 new geographies, enhancing the platform functionality and achieving volume targets for transactions and participating merchants; (ii) doing the commercial rollout of the global trade services (GTS) platform in 8 new geographies, enhancing platform functionality, and achieving  volume targets for on-boarded clients and monthly active users; (iii) launching OpenBank in a new market and migrating the retail banking infrastructure to 'new-mode' bank; (iv) launch the global platform SuperDigital in at least 4 countries, driving target active user growth; (v) deploying machine learning across pre-defined markets for 4 priority use cases, rolling out Conversion Rate Optimization (Digital marketing) for at least 40 sales programs, delivering profit targets, and driving reduction of agent handled calls in contact centers; (vi) successfully implementing initiatives related to on-board and identity services, common API (application programming interface) layer, payment hubs, mobile app for SMEs and virtual assistant services; and (vii) launching the PagoFX global platform in at least 4 countries.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The milestones for 2021 were: (i)in relation to Pago Nxt Consumer payment platform: implementation of Superdigital platform in seven countries, acquisition of over 1.5 million active customer base and accelerating growth through B2B (business to business) and B2B2C (business to business to customer) partnerships, acquiring more than 50% of the new customers through these channels, which are more cost-effective; (ii)in relation to Digital Consumer Bank: launching online API for checkout lending in the European Union and completion of controllable items for Openbank launch in USA; (iii)in relation to One Santander strategy: implementation in Europe of One Common Mobile Experience and, specifically, implementation of Europe ONE app for individual customers in at least three of the four countries by December 2021; and be among the three-top rated entities in terms of Mobile NetPromoter Score (Mobile NPS) in at least two of the four countries by December 2021; (iv) In relation to cloud adoption: host 75% of migratable virtual machines on cloud technology (either public cloud or OHE) by December 2021. For these purposes, mainframes, physical servers and servers with non-x86 operating systems will be considered non-migratable. </span></div><div><span><br/></span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The Digital Incentive is structured 50% in Santander shares and 50% in options over Santander shares, taking into account the fair value of the option at the moment in which they are granted. For Material Risk Takers subject to five years deferrals, the Digital Incentive (shares and options over shares) shall be delivered in thirds, on the third, fourth and fifth anniversary from their granting. For Material Risk Takers subject to three years deferrals and employees not subject to deferrals, delivery shall be done on the third anniversary from their granting.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Any delivery of shares, either directly or via exercise of options overs shares, will be subject generally to the Group&#8217;s general </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:110%">malus</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"> &amp; </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:110%">clawback</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"> provisions as described in the Group&#8217;s remuneration policy and to the continuity of the beneficiary within the Grupo Santander. In this regard, the board may define specific rules for non-Identified Staff.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Vested share options can be exercised until maturity, with all options lapsing after ten years (for granting the 2019 incentive) and eight years (for granting the 2020 and 2021 incentive).</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The total achievement for 2021 Digital Incentive was 77.5% (85% en 2020 and 83% en 2019).</span></div></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:99.871%"><tr><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:31.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.605%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Deferred variable remuneration systems</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Description and plan beneficiaries</span></div></td><td colspan="3" style="padding:2px 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:105%">Conditions</span></td><td colspan="3" style="padding:2px 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:105%">Calculation base</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(iv) Digital Transformation Award (2022)</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The board of directors approved the 2022 Digital</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Transformation Incentive. It is a variable remuneration scheme</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">splits in two different blocks:</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226; The first one, with the same mechanism than previous years,</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">that delivers Santander shares and share options if the group hits major milestones on its digital roadmap. This is aimed at a group of up to 250 (is limited to 30 million euros)employees whose functions are deemed essential to Santander&#8217;s growth.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226; And the second one, which delivers PagoNxt, S.L. RSUs and premium prices options (PPOs), and is aimed at up to 50</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">employees (and limited to 15 million euros) whose roles are considered key to PagoNxt&#8217;s success.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The aim of the Digital Incentive is to attract and retain the critical skill sets to support and accelerate the digital transformation of the Group. By means of this program, the Group offers a remuneration element which is competitive with the remuneration systems offered  by other market operators who also compete for digital talent.</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Performance of the first block of the  incentive shall be measured based on achievement of the following milestones:</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">i. Edelweiss: Our Santander future retail architecture EDELWEISS will mean moving from our current Core centric banking architecture towards a Customer and Data-Centric Core supported by lean Record Processing engines. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">ii. Simplification: Speed up the simplification of our technology platform and business model by Reducing the total number of applications in production and reducing number of products in the regions.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">iii. Agile: Agile ways of working enable a better and faster reaction to customers&#8217; needs and is based on a value-driven delivery that increases efficiency by reducing time-to-market and development costs, and increasing quality. People working in Agile are more collaborative, engaged, empowered and creative. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">iv. In Digital Consumer Bank:</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">a) To create the BNPL platform connected to at least one merchant in Netherlands and Germany, and to make sure the platform is ready to connect in Spain.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">b) To support the definition of Openbank US&#8217;s IT digital strategy and achieve 2022 milestones in it.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">c) To have the new leasing platform connected to dealers in Italy.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">d) To expand the Wabi B2B online business to Germany. To execute the first B2B deal with an Original Equipment Manufacturer or mobility player in at least one country. To expand coches.com business and platform to Portugal.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">And in regard to the second block of digital incentive: the consolidation of PagoNxt Core Perimeter.</span></div><div><span><br/></span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The first block of thee Digital Incentive is structured 50% in Santander shares and 50% in options over Santander shares, taking into account the fair value of the option at the moment in which they are granted. For Material Risk Takers subject to five years deferrals, the Digital Incentive (shares and options over shares) shall be delivered in thirds, on the third, fourth and fifth anniversary from their granting. For Material Risk Takers subject to three years deferrals and employees not subject to deferrals, delivery shall be done on the third anniversary from their granting.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Any delivery of shares, either directly or via exercise of options overs shares, will be subject generally to the Group&#8217;s general </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:110%">malus</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"> &amp; </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:110%">clawback</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"> provisions as described in the Group&#8217;s remuneration policy and to the continuity of the beneficiary within the Grupo Santander. In this regard, the board may define specific rules for non-Identified Staff.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Vested share options can be exercised until maturity, with all options lapsing after ten years.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The total achievement for 2022 Digital Incentive was 96.5%.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The second block of Digital Incentive is structures in restricted stock units (RSUs) and premium priced Options (PPOs) of PagoNxt S.L. in a percentage determined by the internal category of the beneficiary. The total achievement for 2022 was 100%.</span></div></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:99.871%"><tr><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:31.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.605%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Deferred variable remuneration systems</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Description and plan beneficiaries</span></div></td><td colspan="3" style="padding:2px 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:105%">Conditions</span></td><td colspan="3" style="padding:2px 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:105%">Calculation base</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(v) Digital Transformation Award (2023)</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The board of directors approved the 2023 Digital</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Transformation Incentive. It is a variable remuneration scheme  which delivers PagoNxt, S.L. RSUs and premium prices options (PPOs), and is aimed at up to 50</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">employees (and limited to 15 million euros) whose roles are considered key to PagoNxt&#8217;s success.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">With this program, the Group offers a remuneration element which is competitive with the remuneration systems offered  by other market operators who also compete for digital talent.</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">And the performance conditions were focus on key digital projects related with PagoNxt's main businesses (Trade, Merchant and Payments) in its core geographies.<br/></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">This incentive  is structures in restricted stock units (RSUs) and premium priced Options (PPOs) of PagoNxt S.L. in a percentage determined by the internal category of the beneficiary. The average achievement for 2023 was 88%.</span></div></td></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:31.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.605%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Deferred variable remuneration systems</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Description and plan beneficiaries</span></div></td><td colspan="3" style="padding:2px 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:105%">Conditions</span></td><td colspan="3" style="padding:2px 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:105%">Calculation base</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(vi) PagoNxt incentive Plan 2024 and 2025 for Santander executives)</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The board of directors approved the PagoNxt incentive Plan 2024 and 2025 Incentive. It is a variable remuneration scheme  which delivers PagoNxt, S.L. RSUs, and is aimed at approximately  to 50 - 60 employees whose roles are considered key to PagoNxt&#8217;s success.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">With this program, the Group offers a remuneration element which is competitive with the remuneration systems offered  by other market operators who also compete for digital talent.</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">And the performance conditions were focus on key digital projects related with PagoNxt's main businesses (Trade, Merchant and Payments) in its core geographies.<br/></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">This incentive  is structures in restricted stock units (RSUs) of PagoNxt S.L. in a percentage determined by the internal category of the beneficiary. The average achievement for 2024 was 77% and 85% in 2025.</span></div></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt;padding-right:263.62pt"><span id="i71e8eb5031f74984a64fbc0db04bf1af"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Santander UK plc </span></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The long-term incentive plans on shares of the Bank granted by management of Santander UK plc to its employees are 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:33.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.348%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Number of shares (in thousand)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exercise price&#160;in pounds sterling</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="padding:2px 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:105%">Year granted</span></td><td colspan="3" style="padding:2px 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:105%">Employee group</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Number of persons</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="padding:2px 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:105%">Date of commencement of&#160;exercise period</span></td><td colspan="3" style="padding:2px 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:105%">Date of expiry of exercise period</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Plans outstanding at 01/01/2023</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">29,988</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Options granted (sharesave)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,175&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.78&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Employees</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,752&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/23</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/26</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/23</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/28</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Options exercised</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,980)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Options cancelled (net) or not exercised</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,044)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.53&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Plans outstanding at 31/12/2023</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">27,139</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Options granted (sharesave)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,991&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.36&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Employees</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,107&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/24</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/27</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/24</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/29</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Options exercised</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,004)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Options cancelled (net) or not exercised</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,437)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.37&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Plans outstanding at 31/12/2024</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">25,689</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Options granted (sharesave)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,324&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.35&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Employees</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,637&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/25</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/28</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Options exercised</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9,966)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Options cancelled (net) or not exercised</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,554)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.88&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Plans outstanding at 31/12/2025</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,493</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">At  31 December,&#160;2025, 2024 and 2023, the euro/pound sterling exchange rate was 1.15, 1.21 and 1.15 , respectively.</span></div><div style="margin-bottom:12pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Number of accounts/contracts. A single employee may have more than one account/contract.</span></div><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2008 the Group launched a voluntary savings scheme for Santander UK employees (Sharesave Scheme) whereby employees who join the scheme see deducted between GBP 5 and GBP 500 from their net&#160;monthly pay over a period of <span style="-sec-ix-hidden:f-11036">three</span> or five years. At the end of the chosen period, the employee may choose between collecting the amount contributed, the interest accrued and a bonus (tax-exempt in the United Kingdom) or exercising options on shares of the Bank in an amount equal to the sum of such three amounts at a fixed price. The exercise price will be the result of reducing by up to 20% the average purchase and sale prices of the Bank shares in the three trading sessions prior to the approval of the scheme by the UK tax authorities (HMRC). This approval must be received within 21 to 41 days following the publication of the Group&#8217;s results for the first half of the year. This scheme was approved by the board of directors, at the proposal of the appointments and remuneration committee, and, since it involved the delivery of Bank shares, its application was authorized by the Annual General Meeting held on June 21, 2008. Also, the scheme was authorized by the UK tax authorities (HMRC) and commenced in September&#160;2008. In subsequent years, at the Annual General Meetings held on June 19, 2009, June 11, 2010, June 17, 2011, March 30, 2012, March 22, 2013, March 28, 2014, March 27, 2015, March 18, 2016, April 7, 2017, March&#160;23, 2018, April 12, 2019,  April 3, 2020 and March 26, 2021, respectively, the shareholders approved the application of schemes previously approved by the board and with similar features to the scheme approved in 2008.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="margin-bottom:3pt"><span id="i39fe1139d2d34e548aef22772b3741b0"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:125%">iii. Fair value</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:130%">The fair value of the performance share plans was calculated as follows:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4c6fc669c95c4eafb7672b58aa3d0cb3"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">a) Deferred variable compensation plan linked to multi-year objectives 2023, 2024 and 2025:</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:130%">The Group calculates at the grant date the fair value of the plan based on the valuation report of an independent expert, Willis Towers Watson. According to the design of the plan for 2023, 2024 and 2025 and the levels of achievement of similar plans in comparable entities, it has been considered that the fair value is 70%.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="if42bf1a5501b4b7a8532084f4be275ee"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">b) Santander UK sharesave plans: </span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The fair value of each option at the date of grant is estimated using an analytical model that also reflects the correlation between EUR and GBP. This model uses assumptions on the share price, the EUR/GBP FX rate, the EUR/GBP risk-free interest rate, dividend yields, the expected volatilities of both the underlying shares and EUR/GBP for the expected lives of options granted. The weighted average grant-date fair value of options granted during the year was GBP 0.44 (GBP 0.23 and GBP 0.33 reported in 2024 and 2023, respectively).</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for employee benefits.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other general administrative expenses<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SellingGeneralAndAdministrativeExpenseAbstract', window );"><strong>Selling, general and administrative expense [abstract]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfGeneralAndAdministrativeExpenseExplanatory', window );">Other general administrative expenses</a></td>
<td class="text">Other general administrative expenses<div style="margin-bottom:6pt;margin-top:9pt"><span id="i82e92576232d4cfbb28034b6788f8242"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Breakdown</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:130%">The detail of Other general administrative expenses 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Technology and systems</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,298&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,539&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,389&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Property, fixtures and supplies<br/>(note 2.k)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">803&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">797&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">774&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Technical reports</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">712&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">724&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">796&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Advertising</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">517&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">512&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">574&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Taxes other than income tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">543&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">554&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Communications</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">367&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">387&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">400&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Surveillance and cash courier services</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">314&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">337&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">325&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Per diems and travel expenses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">250&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">232&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">213&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Insurance premiums</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">86&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">95&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other administrative expenses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,055&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,008&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,172&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,945</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,185</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,299</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">The payments associated with short-term leases (leases less than or equal to 12 months) and leases of low-value assets, that the Group recognises as an expense in the income statement is not material.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i923189b749f547138f4136281ff788ce"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Technical reports and other</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:130%">Technical reports include the fees from the various Group companies (detailed in the accompanying appendices) for the services provided by their respective auditors, with the following detail:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:61.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.248%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Audit </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">118.5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">122.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Audit-related services</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tax services</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">All other </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">140.7</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">144.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">133.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">Additionally, the firm BDO has performed audit and audit-related services totalling EUR 1.9&#160;million. </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:130%">The audit services and main non-audit services included for each item in the above breakdown are detailed as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Audit services: audit of the individual and consolidated financial statements of Banco Santander and its subsidiaries (of which PwC or another network firm is the external auditor); audit of the interim consolidated financial statements of Banco Santander; integrated audits prepared in order to file the Form 20-F  with the SEC  and the internal control audits (SOx) for required Group's entities; limited reviews of financial statements; and  regulatory reports required to the external auditors regarding several  Grupo Santander entities.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Audit-related services: issuance of comfort letters, verification services of financial and non-financial information required by regulators, and other reviews of documentation to be submitted to domestic or foreign authorities that, due to their nature, the external auditor typically provides.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Tax services: tax compliance and advisory services provided to Group companies outside Spain, which have no direct effect on the audited financial statements and are permitted in accordance with the applicable independence regulations.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Other services: agreed-upon procedure reports, assurance reports and special reports performed under the accepted profession's standards; as well as other reports required by the regulators.</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:130%">The 'Audit' heading includes the fees for the year's audit, regardless of the date the audit was completed. Any subsequent adjustments, which are not significant, are shown in this note for each year for comparison purposes. The fees corresponding to the rest of the services are shown by reference to when the audit committee approved them.</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:130%">The services commissioned from the Group's auditors meet the independence requirements under applicable European and Spanish law, the SEC rules and the Public Company Accounting Oversight Board (PCAOB), applicable to the Group, and did not involve in any case&#160;the&#160;performance of any work that is incompatible with the auditor's role.</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:130%">Lastly, the Group commissioned services from audit firms other than PwC amounting to EUR 155.9&#160;million in 2025 (EUR 206.2&#160;million and EUR 174.1&#160;million in 2024 and 2023, respectively).</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i797ac713a96c45d29d952d167909a437"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Number of branches</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:130%">The number of offices according to their geographical location at 31 December 2025, 2024 and 2023 is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:59.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.173%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Number of branches</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" rowspan="2" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Group</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Spain </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,674&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,877&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,924&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,450&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,594&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,124</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,518</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">A. </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">Includes branches in Spain of the Digital Consumer Bank business.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: Branches corresponding to the Group's business held for sale in Poland are included.</span></div><div style="text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">     Note: The figures for 2025 and 2024 include CartaSur points of sale and banking service points (PAB) in Argentina and exclude operational points that do not provide customer service in Colombia.</span></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Gains or losses on non financial assets, net<br></strong></div></th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="text">Gains or losses on non financial assets, net<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Gains/ (losses) on disposal of assets not classified as non-current assets held for sale 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:61.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.248%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gains</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tangible and intangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">65&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Investments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">360&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">285&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">82</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">408</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">338</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Losses</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tangible and intangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(41)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(36)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Investments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(41)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(82)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(40)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(26)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">368</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">312</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure of gains (losses) on disposal of assets not classified as held for sale.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Gains or losses on non-current assets held for sale not classified as discontinued operations<br></strong></div></th>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTextBlock', window );">Gains or losses on non-current assets held for sale not classified as discontinued operations</a></td>
<td class="text">Gains or losses on non-current assets held for sale not classified as discontinued operations<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Gains/(losses) on non-current assets held for sale not classified as discontinued operations 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:61.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.248%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Net balance</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Impairment (Note 12)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(72)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(92)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(51)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain (loss) on sale (Note 12)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">66&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">68&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">31&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains and other losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">232&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #dbdbdb;padding:2px 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-style:italic;font-weight:400;line-height:105%">&#160;&#160;&#160;Caceis (Note 3)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">231&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #dbdbdb;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #dbdbdb;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">226</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">(27)</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">(20)</span></td></tr></table></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair value of financial instruments<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueOfFinancialInstrumentsExplanatory', window );">Fair value of financial instruments</a></td>
<td class="text">Fair value of financial instruments<div style="margin-bottom:6pt;margin-top:9pt;padding-right:263.62pt"><span id="i6cdde6f6cfb049efae53b6b6d38ced79"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Details  </span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table summarises the fair values, at the end of each of the years indicated, of the financial assets and liabilities listed below, classified according to the different valuation methodologies used by the Group to determine their fair value:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:28.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.163%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 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:105%">2025</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Published<br/>price<br/>quotations<br/>in active<br/>markets<br/>(level 1)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Internal<br/>Models<br/>(level 2<br/>and 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Published<br/>price<br/>quotations<br/>in active<br/>markets<br/>(level 1)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Internal<br/>Models<br/>(level 2<br/>and 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Published<br/>price<br/>quotations<br/>in active<br/>markets<br/>(level 1)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Internal<br/>Models<br/>(level 2<br/>and 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">106,560&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">145,758&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">252,318&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88,147&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">142,106&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">230,253&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">67,842&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">109,079&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">176,921&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,407&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,354&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,761&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,037&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,093&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,130&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,765&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,145&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,910&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,860&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,186&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,046&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,744&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,171&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,915&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,746&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,027&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,773&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">52,589&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,023&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">74,612&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">67,680&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,218&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">89,898&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64,631&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,677&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">83,308&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives (assets)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,931&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,931&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,672&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,672&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,297&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,297&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37,192&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">134,354&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">171,546&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,974&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">122,177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152,151&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,298&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">101,972&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">122,270&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial liabilities designated at fair value through profit or loss</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,148&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,148&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,360&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,360&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,342&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,367&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives (liabilities)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,248&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,248&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,752&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,752&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,656&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,656&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Liabilities under insurance contracts</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,737&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,737&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,829&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,829&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,799&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,799&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander has developed a formal process for the systematic valuation and management of financial instruments, which has been implemented worldwide across all the Group&#8217;s units. The governance scheme for this process distributes responsibilities between two independent divisions: Treasury (development, marketing and daily management of financial products) and Risk (on a&#160;periodic basis, validation of pricing models and daily risk certification of market data, computation of risk metrics, new transaction approval policies, management control  of market risk and implementation of fair value adjustment policies).</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The approval of new products follows a sequence of steps (request, development, validation, integration in corporate systems and quality assurance) before the product is brought into production. This process ensures that pricing systems have been properly reviewed and are stable before they are used.</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:130%">The following subsections set forth the most important products and families of derivatives, and the related valuation techniques and inputs, by asset class:</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt"><span id="i71893e9ce67b42239bd8133a3abeca3a"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Interest rate and inflation</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:130%">The fixed income asset class includes basic instruments such as interest rate forwards, interest rate swaps and cross currency swaps, which are valued using the net present value of the estimated future cash flows discounted taking into account basis (swap and cross currency spreads) determined on the basis of the payment frequency and currency of each leg of the derivative. Vanilla options, including caps, floors and swaptions, are priced using the Black-Scholes model, which is one of the benchmark industry models. More exotic derivatives are priced using more complex models which are generally accepted as standard across institutions.</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:130%">These pricing models are fed with observable market data such as deposit interest rates, futures rates, cross currency swap and constant maturity swap rates, and basis spreads, on the basis of which different yield curves, depending on the payment frequency, and discounting curves are calculated for each currency. In the case of options, implied volatilities are also used as model inputs. These volatilities are observable in the market for cap and floor options and swaptions, and interpolation and extrapolation of volatilities from the quoted ranges are carried out using generally accepted industry models. The pricing of more exotic derivatives may require the use of non-observable data or parameters, such as correlation (among interest rates and cross-asset), mean reversion rates and prepayment rates, which are usually defined from historical data or through calibration.</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:130%">Inflation-related assets include zero-coupon or&#160;year-on-year inflation-linked bonds and swaps, valued with the present value method using forward estimation and discounting. Derivatives on inflation indices are priced using standard or more complex internal models. Valuation inputs of these models consider inflation-linked swap spreads observable in the market and estimations of inflation seasonality, on the basis of which a forward inflation curve is calculated. Also, implied volatilities taken from zero-coupon and&#160;year-on-year inflation options are also inputs for the pricing of more complex derivatives.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i0bd5b62ea8344ccda87b85459fb99881"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Equity and foreign exchange</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:130%">The most important products in these asset classes are forward and futures contracts; they also include vanilla, listed and OTC (Over-The-Counter) derivatives on single underlying assets and baskets of assets. Vanilla options are priced using the standard Black-Scholes model and more exotic derivatives involving forward returns, average performance, or digital, barrier or callable features are priced using generally accepted industry models or internal models, as appropriate. For derivatives on illiquid stocks, hedging takes into account the liquidity constraints in models.</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:130%">The inputs of equity models consider yield curves, spot prices, dividends, asset funding costs (repo margin spreads), implied volatilities, correlation among equity stocks and indices, and cross-asset correlation. Implied volatilities are obtained from market quotes of European and American-style vanilla call and put options. Various interpolation and extrapolation techniques are used to obtain continuous volatility for illiquid stocks. Dividends are usually estimated for the mid and long term. Correlations are implied, when possible, from market quotes of correlation-dependent products. In all other cases, proxies are used for correlations between benchmark underlyings or correlations are obtained from historical data.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The inputs of foreign exchange models include the yield curve for each currency, the spot foreign exchange rate, the implied volatilities and the correlation among assets of this class. Volatilities are obtained from European call and put options which are quoted in markets as of-the-money, risk reversal or butterfly options. Illiquid currency pairs are usually handled by using the data of the liquid pairs from which the illiquid currency can be derived. For more exotic products, unobservable model parameters may be estimated by fitting to reference prices provided by other non-quoted market sources.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="id3d3a29539de41fb9bda9e519cb9f4d7"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Credit</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:130%">The most common instrument in this asset class is the credit default swap (CDS), which is used to hedge credit exposure to third parties. In addition, models for first-to-default (FTD), n-to-default (NTD) and single-tranche collateralised debt obligation (CDO) products&#160;are&#160;also available. These products are valued with standard industry models, which estimate the probability of default of a single issuer (for CDS) or the joint probability of default of more than one issuer for FTD, NTD and CDO.</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:130%">Valuation inputs are the yield curve, the CDS spread curve and the recovery rate. For indices and important individual issuers, the CDS spread curve is obtained in the market. For less liquid issuers, this spread curve is estimated using proxies or other credit-dependent instruments. Recovery rates are usually set to standard values. For listed single-tranche CDO, the correlation of joint default of several issuers is implied from the market. For FTD, NTD and internal CDO, the correlation is estimated from proxies or historical data when no other option is available.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i783bc1aae9a5420bb626f02e870f4ca0"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Valuation adjustment for counterparty risk or default risk</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:130%">The Credit valuation adjustment (CVA) is a valuation adjustment to over-the-counter (OTC) derivatives as a result of the risk associated with the credit exposure assumed to each counterparty.</span></div><div style="margin-bottom:8pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The CVA is calculated taking into account potential exposure to each counterparty in each future period. The CVA for a specific counterparty is equal to the sum of the CVA for all the periods. The following inputs are used to calculate the CVA:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Expected exposure: including for each transaction the mark-to-market (MtM) value plus an add-on for the potential future exposure for each period. Mitigating factors such as collateral and netting agreements are taken into account, as well as a temporary impairment factor for derivatives with interim payments.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Severity:&#160;percentage of final loss assumed in a counterparty credit event/default.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Probability of default: for cases where there is no market information (the CDS quoted spread curve, etc.), proxies based on companies holding exchange-listed CDS, in the same industry and with the same external rating as the counterparty, are used.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Discount factor curve.</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:130%">The Debit Valuation Adjustment (DVA) is a valuation adjustment similar to the CVA but, in this case, it arises as a result of the Group&#8217;s own risk assumed by its counterparties in OTC derivatives.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The CVA at 31 December 2025 amounted to EUR 224 million (resulting in a decrease of 17.6% compared to 31 December 2024) and DVA amounted to EUR 285 million (resulting in a decrease of 10.1%  compared to 31 December 2024). These decreases are primarily due to the performance of credit markets, with lower spreads compared to December 2024, and secondarily to changes in the composition of certain derivatives portfolios. Furthermore, the observed reduction in CVA is influenced by changes in the calculation models applicable to certain clients.</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:130%">The CVA at 31 December 2024 amounted to EUR 272&#160;million (resulting in a decrease of 7.2% compared to 31 December 2023) and DVA amounted to EUR 317&#160;million (resulting in a decrease of 3.9% compared to 31 December 2023). These decreases are mainly due to the declines in the EUR and USD interest rate markets, lower inflation and the movements in credit markets whose spread levels have reduced moderately compared to those of December 2023.</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:130%">The CVA at 31 December 2023 amounted to EUR 293&#160;million (decrease of 16.5% compared to 31 December 2022) and DVA amounted EUR 330&#160;million (decrease of 9.3% compared to 31 December 2022).  These decreases are mainly due to movements in credit markets whose spread levels have reduced moderately compared to those of December 2022, partially offset by the upward movement in interest rates.</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:130%">In addition, the Group amounts the funding fair value adjustment (FFVA) is calculated by applying future market funding spreads to the expected future funding exposure of any uncollateralised component of the OTC derivative portfolio. This includes the uncollateralised component of collateralised derivatives in addition to derivatives that are fully uncollateralised. The expected future funding exposure is calculated by a simulation methodology, where available. The FFVA impact is not material for the consolidated annual accounts as of 31 December 2025, 2024 and 2023.</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:130%">During 2025, the Group has continued to apply the criteria for classifying financial instruments within the levels of the fair value hierarchy established to comply with regulatory expectations. These criteria, based on information from the price contributors and real market transactions, represent a significant reduction in the use of expert judgement to determine observability and allow the measurement of the significance of non-observable valuation inputs based on objective criteria.</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:130%">There has been an increase in instruments classified as Level 3, especially during the last quarter of the year. This increase is due to higher holding volumes of some of these instruments in the portfolio due to new trading activity. No significant reclassifications were detected due to changes in the market observability of the valuation inputs for the remaining positions. The main increases include long-term repo/reverse repo transactions, illiquid equities in non-trading portfolios, and syndicated loans with an HTC&amp;S business model for which there is no observable market price based on the criteria used. </span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i82ed7c965ab44f13ab452cc0878b6462"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Valuation adjustments due to model risk</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:130%">The valuation models described above do not involve a significant level of subjectivity, since they can be adjusted and recalibrated, where appropriate, through internal calculation of the fair value and subsequent comparison with the related actively traded price. However, valuation adjustments may be necessary when market quoted prices are not available for comparison purposes.</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:130%">The sources of risk are associated with uncertain model parameters, illiquid underlying issuers, and poor quality market data or missing risk factors (sometimes the best available option is to use limited models with controllable risk). In these situations, the Group calculates and applies valuation adjustments in accordance with common industry practice. The main sources of model risk are described below:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In the interest rate markets, the sources of model risk include interest rate indexes correlations, basis spread modelling, the risk of calibrating model parameters and the treatment of near-zero or negative interest rates. Other sources of risk arise from the estimation of market data, such as volatilities or yield curves, whether used for estimation or cash flow discounting purposes.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In the stock markets, the sources of model risk include forward skew modelling, the impact of stochastic interest rates, correlation and multi-curve modelling. Other sources of risk arise from managing hedges of digital callable and barrier option payments. Also worthy of consideration as sources of risk are the estimation of market data such as dividends and correlation for quanto and composite basket options.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">For specific financial instruments relating to home mortgage loans secured by financial institutions in the UK (which are regulated and partially financed by the Government) and property asset derivatives, the main input is the Halifax House Price Index (HPI). In these cases, risk assumptions include estimations of the future growth and the volatility of the HPI, the mortality rate and the implied credit spreads.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Inflation markets are exposed to model risk resulting from uncertainty around modelling the correlation structure among various Consumer Price Index (CPI) rates. Another source of risk may arise from the bid-offer spread of inflation-linked swaps.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The currency markets are exposed to model risk resulting from forward skew modelling and the impact of stochastic interest rate and correlation modelling for multi-asset instruments. Risk may also arise from market data, due to the existence of specific illiquid foreign exchange pairs.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The most important source of model risk for credit derivatives relates to the estimation of the correlation between the probabilities of default of different underlying issuers. For illiquid underlying issuers, the CDS spread may not be well defined.</span></div></div></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Set forth below are the financial instruments at fair value whose measurement was based on internal models (levels 2 and 3) at 31 December 2025, 2024 and 2023:</span></div><div style="margin-bottom:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:30.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.085%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.087%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair&#160;values&#160;calculated<br/>using internal models at</span></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="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></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-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level&#160;2 </span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level&#160;3 </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Valuation&#160;techniques</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Main assumptions</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">ASSETS</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">163,796</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,487</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">139,293</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6,496</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,191&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">441&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,815&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,986&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,592&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt and equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,470&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">340&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56,831&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">971&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">39,716&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">551&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method, Gaussian Copula</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices, HPI, Basis, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,332&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Black-Scholes Model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Volatility surfaces, FX market prices, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,490&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Black's Model, multifactorial advanced models interest rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Volatility surfaces, FX market prices, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate forwards</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">439&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Black's Model, multifactorial advanced models interest rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Volatility surfaces, FX &amp; EQ market prices, Dividends,  Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">13,677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">222&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method, Advanced stochastic volatility models and other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Volatility surfaces, FX and EQ market prices, Dividends, Correlation, HPI, Credit, Others</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,924</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,690&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices, Basis</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">91&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Black's Model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices, Volatility surfaces</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">143&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method, Advanced stochastic volatility models and other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Volatility surfaces, FX market prices, Credit, Liquidity, Others</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,465</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,889</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">899&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,543&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Market price, Interest rates curves, Dividends and Others</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">54&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">175&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and receivables</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,512&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">171&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method, swap asset model &amp; CDS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves and Credit curves</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,152</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">34</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">413&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices, HPI</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,725&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices </span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial assets  at fair value through other comprehensive  income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,962</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9,061</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Equity instruments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">272&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Market price, Dividends and Others</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,819&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">887&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and receivables</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,124&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,902&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices and Credit curves</span></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:99.723%"><tr><td style="width:1.0%"></td><td style="width:30.799%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.989%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.989%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.541%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.490%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.492%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair&#160;values&#160;calculated<br/>using internal models at</span></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="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></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-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level&#160;2 </span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level&#160;3 </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Valuation&#160;techniques</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Main assumptions</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">LIABILITIES</span></div></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">198,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,110</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial liabilities held for trading</span></div></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">133,490</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">864</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,385&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">FX market prices, Yield curves</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,058&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">FX market prices, Yield curves</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">FX market prices, Yield curves</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50,248&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">864&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">33,597&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">418&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method, Gaussian Copula</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices, Basis, Liquidity, HPI</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">903&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Black's Model, multifactorial advanced models interest rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Volatility surfaces, FX &amp; EQ market prices, Dividends,  Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Forwards on interest rate and variable income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,951&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">95&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Black-Scholes Model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Volatility surfaces, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,094&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">151&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Black-Scholes Model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate and equity futures</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">121&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Volatility surfaces, FX &amp; EQ market prices, Dividends, Correlation, Liquidity, HPI</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">12,582&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">166&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method, Advanced stochastic volatility models and others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Volatility surfaces, FX &amp; EQ market prices, Dividends, Correlation, HPI, Credit, Others</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Short positions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,679&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves ,FX market prices, Equity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,229</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">19</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Swaps</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,191&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate options</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Black's Model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves , Volatility surfaces, FX market prices and Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">38&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method, Advanced stochastic volatility models and other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves , Volatility surfaces, FX market prices, Credit, Liquidity, Other</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">42,148</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Liabilities under insurance contracts</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18,510</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">227</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Present Value Method with actuarial techniques</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:105%">Mortality tables and interest rate curves</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Level 2 internal models use data based on observable market parameters, while level 3 internal models use significant non-observable inputs in market data.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Includes mainly temporary acquisitions/disposals of assets with corporate clients and, to a lesser extent, with central banks.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Includes mainly syndicated loans under the HTC&amp;S business model.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">It mainly includes short-term deposits that are managed based on 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:29.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:28.090%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair values calculated<br/>using internal models at</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair values calculated<br/>using internal models at</span></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="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level 3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level 3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Valuation techniques</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ASSETS</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">163,941</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,319</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">133,874</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,351</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">138,176</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">3,930</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">106,993</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">2,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,966&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,717&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,546&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">769</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,061&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,602&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,801</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,418&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt and equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,115&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">413</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,683&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">915</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,947&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">947</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,114&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,147</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">47,519&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">556</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">44,987&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">577</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method, Gaussian Copula</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,583&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">2</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">836&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">9</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Black-Scholes Model</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,879&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">30</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,210&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">153</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Black's Model, advanced multifactor interest rate models</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate forwards</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,445&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">465&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">241</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">126&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">235</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Black's Model, advanced multifactor interest rate models</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,056&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">118</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,922&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">173</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method, Advanced stochastic volatility models and other</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,652</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,297</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 8.08pt;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:105%">Swaps</span></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">5,390&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">4,665&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Black&#8217;s Model</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">260&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">630&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method, Advanced stochastic volatility models and other</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,505</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,588</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,050</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,095</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">763&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,841&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">815&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,495&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities issued</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">205&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">242&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">539&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">313&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and receivables</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">537&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">505&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">696&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">287&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method, swap asset model &amp; CDS</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,065</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">106</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,846</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">181</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">408&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">459&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,590&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,189&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">67&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">86&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">198&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">150&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial assets  at fair value through other comprehensive  income</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,543</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,675</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,688</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,989</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Equity instruments</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">375&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">492&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,644&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,047&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,638&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">559&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and receivables</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,894&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,253&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,045&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,938&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></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:99.871%"><tr><td style="width:1.0%"></td><td style="width:30.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:27.053%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair values calculated<br/>using internal models at</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair values calculated<br/>using internal models at</span></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="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></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 #ec0000;padding:2px 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:105%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level 3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level 3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Valuation techniques</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">LIABILITIES</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">179,766</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,352</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">166,542</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,227</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">121,243</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">934</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">101,103</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">869</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,300&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,808&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,284&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,862&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,984&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,837&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56,205&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">934</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">49,380&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">869&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">41,283&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">479</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39,395&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">388&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method, Gaussian Copula</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,295&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">79</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,207&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Black's Model, advanced multifactor interest rate models</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,057&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">549&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Black-Scholes Model</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">294</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">466&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">187&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Black's Model, advanced multifactor interest rate models</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Forwards on interest rate and variable income</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,276&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,134&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">82</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,662&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">147&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method, Advanced stochastic volatility models and other</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Short positions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,470&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,216&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,740</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,650</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,618&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 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:105%">12</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,866&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Black&#8217;s Model</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">119&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">783&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method, Advanced stochastic volatility models and other</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial liabilities designated at fair value through profit or loss</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36,200</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">160</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40,313</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Liabilities under insurance contracts</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,583</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 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:105%">246</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,476</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">323</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present Value method with actuarial techniques</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Level 2 internal models use data based on observable market parameters, while level 3 internal models use significant non-observable inputs in market data.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Includes mainly temporary acquisitions/disposals of assets with corporate clients and, to a lesser extent, with central banks. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Includes mainly syndicated loans under the HTC&amp;S business model.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Includes, mainly, short-term deposits that are managed based on their fair value.</span></div><div style="text-indent:10.91pt"><span><br/></span></div><div style="margin-bottom:3pt;margin-top:9pt;padding-right:263.62pt"><span id="i2902ca59b5bf48d99441ca0a7246286a"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Financial Instruments (level 3)</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Set forth below are the Group&#8217;s main financial instruments measured using unobservable market data as significant inputs of the internal models (level 3):</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">HTC&amp;S (Held to collect and sale) syndicated loans classified in the fair value category with changes in other comprehensive income, where the cost of liquidity is not directly observable in the market, as well as the prepayment option in favour of the borrower.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Repos and reverse repos classified as financial assets held for trading, whose valuation uses significant unobservable inputs, mainly associated with credit adjustments, liquidity and certain specific characteristics of the counterparty and the collateral.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Illiquid equity in non-trading portfolios, classified at fair value through profit or loss and at fair value through equity. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Instruments in Santander UK&#8217;s portfolio (loans, debt securities and derivatives) linked to the House Price Index (HPI). Even if the valuation techniques used for these instruments may be the same as those used to value similar products (present value in the case of loans and debt securities, and the Black-Scholes model for derivatives), the main factors used in the valuation of these instruments are the HPI spot rate, the growth and volatility </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">thereof, and the mortality rates, which are not always observable in the market and, accordingly, these instruments are considered illiquid.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Callable interest rate derivatives (Bermudan-style options) where the main unobservable input is mean reversion of interest rates.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Trading derivatives on interest rates, taking as an underlying asset titling and with the amortization rate (CPR, Conditional prepayment rate) as unobservable main entry.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"> Derivatives from trading on inflation in Spain, where volatility is not observable in the market.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Equity volatility derivatives, specifically indices and equities, where volatility is not observable in the long term.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Derivatives on long-term interest rate and FX in some units (mainly South America) where for certain underlyings it is not possible to demonstrate observability to these terms.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Debt instruments referenced to certain illiquid interest rates, for which there is no reasonable market observability.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The measurements obtained using the internal models might have been different if other methods or assumptions had been used with respect to interest rate risk, to credit risk, market risk and foreign currency risk spreads, or to their related correlations and volatilities. Nevertheless, the Bank considers that the fair value of the financial assets and liabilities recognised in the consolidated balance sheet and the gains and losses arising from these financial instruments are reasonable.</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:130%">The net amount recognised in profit and loss in 2025 arising from models whose significant inputs are unobservable market data (level 3) amounted to EUR 469 profit (EUR 523&#160;million and EUR 404&#160;million profit in 2024 and  2023, respectively).</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:3pt;margin-top:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span id="i834d0e1fedf549f498c6918fb2113db5"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">1.</span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%;padding-left:3.55pt">Valuation techniques</span></div><div style="margin-bottom:9pt;padding-right:260.79pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The table below shows the effect, at 31 December 2025, 2024 and 2023 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.644%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">2025</span></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="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 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:105%">Portfolio/Instrument</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Valuation technique</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Main unobservable inputs</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Range</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Weighted average</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impacts (EUR million)</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(Level 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Unfavourable scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Favourable scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets held for trading</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Repos/Reverse repos</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market proxy</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price / Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(10.50)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10.50&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Corporate debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 10%</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5.10%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2.24)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2.29&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Government debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discount curve</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 8%</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.00%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(9.21)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">9.24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">35.50%</span></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1.32)</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.62&#160;</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Derivatives</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Modelo de Black Scholes</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(6.50)bps - 6.50bps</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">bps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.38)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.52&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">CCS</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">146.3% - 148.3%</span></div></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">147.30</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.01)</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.01&#160;</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 70%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">40.50</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.17)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Local volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(18.86)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">18.86&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Fx Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Fx option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 40%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">19.80</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.49&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Forward</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 15%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8.10</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.01)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.02&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Asset Swap model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2% - 8%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.90</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.18)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 30%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14.80</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.19)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">INF option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 30%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14.90</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.63)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.63&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5% - n.a.</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(11.24)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8.23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">19.6% - 127.5%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50.50</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.84&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.0% - 99.0%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">99.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">60bps - 300bps</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">179.80bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(3.48)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Property derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)% - 5%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2.64)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2.64&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Securitisation Swap</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Constant prepayment rates</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets designated at fair value through profit or loss</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spreads</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.1% - 3%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.60</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.12)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.12&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage portfolio</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Black Scholes model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)% - 5%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.23)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other debt securities</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 8%</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.10</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.643%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">2025</span></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="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 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:105%">Portfolio/Instrument</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Valuation technique</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Main unobservable inputs</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Range</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Weighted average</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impacts (EUR million)</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(Level 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Unfavourable scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Favourable scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Non-trading financial assets mandatorily at fair value through profit or loss</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Property securities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Probability weighting</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)% - 5%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.11)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.11&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Equity instruments</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">90% - 110%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(254.29)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">254.29&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets at fair value through other comprehensive income</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2.33)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2.33&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate curve</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">6.1% - 7.2%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">6.60</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Margin of a reference portfolio</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3% - 7%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.25)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">121.9bps - 174.7 bps</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">121.9bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.3)% - 0.1%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.30</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2.70)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.54&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage Letters</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage Letters</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.4% - 5.5%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.50</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Equity instruments</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">90% - 110%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(27.16)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">27.16&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial liabilities held for trading</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Derivatives</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">43.80</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.09)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.07&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">42.30</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.33)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1% - 99%</span></div></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50.40</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1.38)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.40&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit Spread</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8.4bps - 19.2bps</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10.70bps</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2.42)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.66&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.644%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">2024</span></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="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 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:105%">Portfolio/Instrument</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Valuation technique</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Main unobservable inputs</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Range</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Weighted average</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impacts (EUR million)</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(Level 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Unfavourable scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Favourable scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets held for trading</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Repos/Reverse repos</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Long-term repo spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.05)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Corporate debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 10%</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5.10%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2.24)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2.29&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Government debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discount curve</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 8%</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.00%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(9.21)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">9.24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">35.50%</span></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1.32)</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.62&#160;</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Derivatives</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2)bps - 2bps</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">bps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">CCS</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">158% - 165%</span></div></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">161.50</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.01)</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.01&#160;</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">CDS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">100% - 250%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">178.83</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.09)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 70%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">41.25</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.48)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.69&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Local volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(21.54)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">21.54&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Forward</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 15%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8.08</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.06)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.07&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 40%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">20.10</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.65)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.66&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Asset Swap model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2% - 8%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.78</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.21)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.18&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 30%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">17.34</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5% - n.a.</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4.09)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">47.8% - 273.4%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">155.36</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1.91)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.74&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Swap rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1% - 99%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">49.58</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2.45)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2.41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">60bps - 300bps</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">181.50bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(3.00)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.08&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Property derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)% - 5%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(3.39)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Securitisation Swap</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Constant prepayment rates</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.63)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.63&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets designated at fair value through profit or loss</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spreads</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.1% - 2.0%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.05</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.15)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.15&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage portfolio</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Black Scholes model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)% - 5%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.24)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other debt securities</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 8%</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.96</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(3.63)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.55&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.643%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">2024</span></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="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 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:105%">Portfolio/Instrument</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Valuation technique</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Main unobservable inputs</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Range</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Weighted average</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impacts (EUR million)</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(Level 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Unfavourable scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Favourable scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Non-trading financial assets mandatorily at fair value through profit or loss</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Property securities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Probability weighting</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)% - 5%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.24)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.24&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Equity instruments</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">90% - 110%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(183.98)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">183.98&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets at fair value through other comprehensive income</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(18.61)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate curve</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.4% - 6.5%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.95</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.17)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Margin of a reference portfolio</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1)bps - 1bps </span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0bp</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(30.36)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">30.36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">150bps - 232bps</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">150bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1.96)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)% - 20%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.01</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4.91)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Corporate debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Margin of a reference portfolio</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.01)% - 0.01%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.09)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.09&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage Letters</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage Letters</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.6% - 5.2%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.40</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Equity instruments</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">90% - 110%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(37.56)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">37.56&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial liabilities held for trading</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Derivatives</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">42.20</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.11)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.07&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">45.30</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.03)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.02&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1% - 99%</span></div></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">47.12</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4.77)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.24&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">Credit spread</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">34bps - 68bps</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">44bps</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4.09)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.65&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">For each instrument, the valuation technique, the unobservable inputs are shown in the 'Main observable inputs' column under probable scenarios, variation range, average value and impact resulting from valuing the position in the established maximum and minimum range. </span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">The breakdown of impacts is shown by type of instrument and unobservable inputs. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">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="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Zero impacts from fully hedged or back-to-back transactions have not been included in this exercise.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.643%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">2023</span></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="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 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:105%">Portfolio/Instrument</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Valuation technique</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Main unobservable inputs</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Range</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Weighted average</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impacts (EUR million)</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(Level 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Unfavourable scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Favourable scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets held for trading</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Repos/Reverse repos</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Long-term repo spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.05)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Corporate debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 10%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5.06</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4.50)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.61&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Government debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discount curve</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 8%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.99</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(8.07)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8.02&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Derivatives</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">CCS</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(6)bps - 6bps</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.40</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">bps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.90)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.03&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">CDS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit default models</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Illiquid credit default spread curves</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">100bps - 200bps</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">149.14</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.14)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 70%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">41.25</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.48)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.69&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Local volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(21.54)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">21.54&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 40%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">20.10</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.65)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.66&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Asset Swap model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2% - 8%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.78</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.21)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.18&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.0% - 30.0%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">17.34</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5% - n.a.</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4.09)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">47.8% - 273.4%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">155.36</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1.91)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.74&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Swap rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.0% - 99.0%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">49.58</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2.45)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2.41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5.2)bps - 5.2bps</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.09</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.03)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.03&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Prepayment modelling</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Prepayment rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2.5% - 9.0%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8.92</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.05&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Property derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)% - 5%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(3.39)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Securitisation Swap</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Constant prepayment rates</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10.00% - 90.00%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.63)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.63&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Structured notes</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price based</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(10)% - 10%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1.53)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.53&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets designated at fair value through profit or loss</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spreads</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.1% - 2%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.05</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.15)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.15&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage portfolio</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Black Scholes model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;(5)%- 5%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.24)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other debt securities</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 8%</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.96</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(3.63)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.55&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.052%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">2023</span></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="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 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:105%">Portfolio/Instrument</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Valuation technique</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Main unobservable inputs</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Range</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Weighted average</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impacts (EUR million)</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(Level 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Unfavourable scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Favourable scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Non-trading financial assets mandatorily at fair value through profit or loss</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Property securities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Probability weighting</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)% - 5%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.24)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.24&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Equity instruments</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">90% - 110%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(183.98)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">183.98&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets at fair value through other comprehensive income</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a. </span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(18.61)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate curve</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.4% - 6.5%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.95</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.17)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Margin of a reference portfolio</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1)bp - 1bp</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0bp</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(30.36)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">30.36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">150.0bps - 232.0bps</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">150.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1.96)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)% - 20%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.01</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4.91)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Corporate debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Margin of a reference portfolio</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.01)% - 0.01%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.09)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.09&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Government debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 2%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.99</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Equity instruments</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">90% - 110%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(37.56)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">37.56&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial liabilities held for trading</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Derivatives</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">42.20</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.11)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.07&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">CMS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">47.66</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">45.30</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.03)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.02&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">39.03</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4.09)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.65&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Swaptions</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">35.55</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.21)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.10&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">For each instrument, the valuation technique, the unobservable inputs are shown in the 'Main observable inputs' column under probable scenarios, variation range, average value and impact resulting from valuing the position in the established maximum and minimum range. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">The breakdown of impacts is shown by type of instrument and unobservable inputs. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">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="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Zero impacts from fully hedged or back-to-back transactions have not been included in this exercise.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="iab10718821864526850bed361c0a67bb"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">2. Movement of financial instruments classified as Level 3</span></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Lastly, the changes in the financial instruments classified as Level 3 in 2025, 2024 and 2023 were 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:23.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.238%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">01/01/2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Changes</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31/12/2025</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;padding:2px 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:105%">EUR million</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value calculated using internal models (Level 3)</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Purchases/<br/>Issuances</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Sales/Settlements</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in<br/>fair value<br/>recognised<br/>in profit or<br/>loss</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in<br/>fair value<br/>recognised<br/>in equity</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level<br/>reclassifications</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value<br/>calculated<br/>using<br/>internal<br/>models<br/>(level&#160;3)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">3,930</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">5,353</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(2,748)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">57</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(9)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(87)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">6,496</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central Banks</span></div></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">437&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">441&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Credit entities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">769&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">128&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(744)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,801&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,450&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,711)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">52&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,592&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">413&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">110&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(112)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(37)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">340&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Trading derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">947&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">228&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(181)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(47)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">971&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">556&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(81)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(30)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(21)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">126&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">551&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(18)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">241&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(41)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">37&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(113)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 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:105%">Interest rate futures</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">118&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">220&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">(45)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">3&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">(75)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">222&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives (Assets)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">106</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(100)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">86&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(100)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,588</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">324</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(191)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">360</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">74</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,889</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">505&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(36)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(266)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">171&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">242&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(40)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(27)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">175&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,841&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">300&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(151)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">423&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">130&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,543&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">8,675</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">7,635</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">(6,159)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">(73)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">57</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">(1,074)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">9,061</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,253&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,259&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,621)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(87)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">97&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(999)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,902&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,047&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">360&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(530)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(40)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">887&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">375&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(109)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">272&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL ASSETS</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,319</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,345</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(9,198)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">405</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(73)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(222)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,089)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,487</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">934</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">160</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(206)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(59)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">16</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">19</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">864</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Trading derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">934&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">160&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(206)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(59)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">864&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">479&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(88)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(90)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">97&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">418&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">79&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(25)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">95&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">294&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(83)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(63)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">151&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Securities and interest rate futures</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(19)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">158&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(76)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">166&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives (Liabilities)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;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:105%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 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:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">160</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">(49)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">(111)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities under insurance contracts</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">246</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(19)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">227</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL LIABILITIES</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,352</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">160</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(256)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(64)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(101)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,110</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:23.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.238%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">01/01/2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Changes</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31/12/2024</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value<br/>calculated<br/>using<br/>internal<br/>models<br/>(level&#160;3)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Purchases<br/>/Issuances</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Sales/Settlements</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in<br/>fair value<br/>recognized<br/>in profit or<br/>loss</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in<br/>fair value<br/>recognized<br/>in equity</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level<br/>reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value<br/>calculated<br/>using<br/>internal<br/>models<br/>(level&#160;3)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,205</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(813)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">302</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(715)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(135)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,930</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Credit entities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">770&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">769&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,808&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,801&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">914&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">355&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(384)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(39)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(377)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(56)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">413&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Trading derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,147&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">272&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(405)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">350&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(338)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(79)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">947&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">577&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">184&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(278)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">186&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(152)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">556&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">153&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(42)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(20)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(74)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">235&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">42&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(44)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">128&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(106)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(14)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">241&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">173&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(40)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">56&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(104)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">118&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives (Assets)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">181</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">417</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(300)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(201)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">106</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(23)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">150&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">417&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(300)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(178)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">86&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,095</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">719</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(349)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">73</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">132</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(82)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,588</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">287&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">390&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(128)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(54)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">505&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">313&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(96)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">242&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,495&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">325&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(125)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(28)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,841&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,989</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,707</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3,781)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(136)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(110)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,675</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,938&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,962&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,685)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,253&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">559&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">743&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(81)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(74)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(106)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,047&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">492&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(105)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">375&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">TOTAL ASSETS</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">10,351</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">11,048</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(5,243)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">403</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(136)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(779)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(325)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">15,319</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">869</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">472</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(200)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(95)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(266)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">154</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">934</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Trading derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">869&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">472&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(200)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(95)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(266)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">154&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">934&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">388&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">371&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(20)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(205)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(105)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">479&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(54)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">79&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">187&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">54&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(14)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">113&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(40)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">294&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">147&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(107)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(108)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">109&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives (Liabilities)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">41</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">94</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">160</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Liabilities under insurance contracts</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">323</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(26)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(51)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">246</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL LIABILITIES</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,227</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">513</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(205)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(120)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(172)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">109</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,352</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:23.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.238%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">01/01/2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Changes</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31/12/2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:2px 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:105%">Fair value<br/>calculated<br/>using<br/>internal<br/>models<br/>(level&#160;3)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Purchases/</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Issuances</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Sales/Settlements</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Changes in<br/>fair value<br/>recognised<br/>in profit or<br/>loss</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Changes in<br/>fair value<br/>recognised<br/>in equity</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level<br/>reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Fair value<br/>calculated<br/>using<br/>internal<br/>models<br/>(level&#160;3)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">383</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">496</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(149)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">194</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,162</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">126&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(63)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">773&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">914&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Trading derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">340&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">347&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(86)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">389&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,147&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">90&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">179&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">191&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(18)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">577&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">112&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">153&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">48&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">132&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(20)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">76&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">235&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">110&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">124&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(78)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">173&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">427</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">51</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(21)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(298)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">181</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">422&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(25)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(298)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,833</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">345</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(238)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">107</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">54</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,095</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">239&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">99&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(73)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">287&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">325&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(48)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">313&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,269&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">208&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(117)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">99&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,495&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,647</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,322</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3,411)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(204)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">231</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">404</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,989</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,718&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,322&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,408)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">160&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">110&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,938&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">229&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">254&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">559&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">700&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(245)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">492&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL ASSETS</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,290</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,214</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3,798)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">280</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(204)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,409</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">160</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,351</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">415</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">276</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(167)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(118)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">476</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(13)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">869</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Trading derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">415&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">276&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(167)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(118)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">476&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">869&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">235&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">53&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(83)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(58)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">257&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">388&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">137&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">42&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">88&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(15)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">187&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">119&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">125&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(66)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(31)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">147&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives (Liabilities)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;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:105%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">151</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">32</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">(151)</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">(3)</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">29</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities under insurance contracts</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">345</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(40)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">323</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL LIABILITIES</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">925</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">308</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(318)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(124)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(40)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">471</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of the fair value of financial instruments. [Refer: Classes of financial instruments [domain]; At fair value [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value of financial instruments [Abstract]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other disclosures<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherDisclosuresAbstract', window );"><strong>Other Disclosures [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfOtherInformationAboutFinancialAssetsAndLiabilitiesTextBlock', window );">Other disclosures</a></td>
<td class="text">Other disclosures<div style="margin-bottom:6pt;margin-top:9pt;padding-right:263.62pt"><span id="i543ba1124c584c5080bd8fbd4d60b3cc"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Residual maturity periods</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by maturity, of the balances of certain items in the consolidated balance sheet at 31 December 2025, 2024 and 2023 is presented below:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"><tr><td style="width:1.0%"></td><td style="width:32.133%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.438%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.438%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.438%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.438%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.438%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.438%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.439%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">On demand</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash, cash balances at Central Banks and other deposits on demand</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152,281&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152,281&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,721&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,593&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,012&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,315&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,690&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">72,331&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,631&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,619&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,239&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58,305&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,044&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">962&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,873&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,696&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,451&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,026&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">111&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,001&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,044&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">851&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,870&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,691&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,450&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,906&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets<br/>at amortized cost</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,174&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">213,109&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">173,400&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">208,743&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">163,374&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">403,889&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,202,689&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,547&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,312&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,469&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,474&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">79,212&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">140,014&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,174&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">204,562&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">164,088&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">183,274&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">145,900&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">324,677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,062,675&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,782&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,134&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">70&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,986&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,577&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,620&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,564&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,594&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,198&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,960&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">61,513&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,597&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">163,160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">153,524&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177,680&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">143,568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">311,647&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">985,176&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">192,455</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">225,830</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">181,993</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">222,755</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">171,689</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">432,579</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,427,301</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">700,717&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">271,366&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">147,951&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">132,783&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">72,048&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96,319&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,421,184&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">688,927&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">223,636&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96,132&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37,030&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,216&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,443&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,072,384&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">857&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,550&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,615&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,892&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,628&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,542&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,342&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,993&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,197&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,845&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,638&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">74,692&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">681,728&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">180,093&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">79,840&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,941&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,371&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">979,150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Marketable debt securities</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,875&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,971&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94,735&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,275&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">67,848&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">312,704&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,790&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,855&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,848&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,018&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">557&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,028&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,096&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">700,717</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">271,366</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">147,951</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">132,783</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">72,048</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">96,319</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,421,184</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Difference (assets less liabilities)</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(508,262)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(45,536)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">34,042</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">89,972</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">99,641</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">336,260</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,117</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Includes promissory notes, certificates of deposit and other short-term debt issues.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">See breakdown by type of debt (subordinated debt, senior unsecured debt, senior secured debt, notes and other securities) (see note 22).</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:33.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.236%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">On demand</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash, cash balances at Central Banks and other deposits on demand</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">192,208&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">192,208&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,401&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,153&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,902&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,905&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,344&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87,705&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,072&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,449&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,137&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,623&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,277&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76,558&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,329&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">704&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,765&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,282&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,067&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,147&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">98&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">223&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">363&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,293&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">704&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,667&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,276&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,844&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,784&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets<br/>at amortized cost</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,652&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">208,565&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">167,974&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">220,871&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">176,710&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">387,935&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,203,707&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,628&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,041&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,071&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,705&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57,504&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">120,949&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,652&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">198,937&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">153,933&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">203,800&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">154,005&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">330,431&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,082,758&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;&#160;Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,067&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,112&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,179&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;&#160;Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,208&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,550&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,166&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,760&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,843&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,010&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,537&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;&#160;Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,444&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">160,320&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">149,767&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">198,040&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152,162&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">315,309&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,011,042&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">233,860</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">221,966</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">177,127</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">244,773</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">185,615</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">420,279</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,483,620</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities<br/>at amortized cost</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">720,659&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">256,651&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">171,362&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">155,620&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">89,229&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">90,801&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,484,322&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">707,418&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">213,220&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">121,914&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,431&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,510&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,946&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,126,439&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,063&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,022&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,772&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,882&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,948&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,149&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,300&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,655&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,477&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,483&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">90,012&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">693,453&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177,008&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">91,592&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,004&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,033&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,455&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,011,545&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Marketable debt<br/>securities</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,570&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,977&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100,451&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60,128&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73,841&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">317,967&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.5pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,241&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,861&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,471&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,738&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,591&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,014&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39,916&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7.75pt 0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">720,659</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">256,651</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">171,362</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">155,620</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">89,229</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">90,801</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,484,322</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Difference (assets less liabilities)</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(486,799)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(34,685)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,765</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">89,153</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">96,386</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">329,478</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(702)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Includes promissory notes, certificates of deposit and other short-term debt issues.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:33.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.236%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">On demand</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash, cash balances at Central Banks and other deposits on demand</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">220,342&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">220,342&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,544&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,234&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,372&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,162&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,235&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81,547&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,078&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,433&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,432&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,764&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,858&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73,565&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">466&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">801&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">940&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,398&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,377&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,982&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">466&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">801&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">940&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,085&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,377&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,669&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets<br/>at amortized cost</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,687&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">202,066&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">171,494&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">232,190&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">158,556&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">386,410&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,191,403&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,281&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,114&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,608&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,281&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,275&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">103,559&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,687&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">189,785&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">157,380&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">213,582&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">147,275&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">339,135&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,087,844&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,730&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,352&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,082&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,783&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,671&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,313&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,151&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,521&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,478&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57,917&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,904&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">144,384&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">151,067&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">206,431&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">145,754&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">328,305&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,009,845&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">261,029</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">215,610</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">180,728</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">251,562</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">172,718</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">411,645</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,493,292</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities<br/>at amortized cost</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">711,093&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">246,898&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">182,516&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">161,784&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88,527&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77,885&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,468,703&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">697,339&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">210,538&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">118,035&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">61,332&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,161&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,903&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,125,308&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">168&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,224&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,941&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,846&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,581&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,782&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,572&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,990&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,390&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,434&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,963&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,897&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81,246&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">690,599&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">164,324&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">89,704&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,052&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,617&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,984&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">995,280&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Marketable debt<br/>securities</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,371&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63,440&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">92,554&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57,639&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">61,204&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">303,208&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,754&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,989&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,041&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,898&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,727&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">778&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,187&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">711,093</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">246,898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">182,516</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">161,784</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">88,527</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">77,885</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,468,703</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Difference (assets less liabilities)</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(450,064)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(31,288)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,788)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">89,778</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">84,191</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">333,760</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">24,589</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Includes promissory notes, certificates of deposit and other short-term debt issues.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of the remaining contractual maturities of the existing financial liabilities at amortised cost at 31 December 2025, 2024 and 2023 is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"><tr><td style="width:1.0%"></td><td style="width:27.961%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.035%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">On demand</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than 5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">687,708&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">221,487&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">95,553&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36,937&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,204&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,423&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,068,312&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">857&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,497&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,581&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,892&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,627&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,454&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,298&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34,993&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,197&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,841&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,636&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">74,642&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customer</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">680,553&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">177,997&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">79,295&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,848&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,363&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">975,216&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Marketable debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">37,742&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">47,782&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">93,250&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">62,071&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">66,107&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">306,952&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,790&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,855&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,848&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,018&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">557&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,029&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36,097&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">699,498</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">268,084</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">146,183</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">131,205</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">71,832</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">94,559</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,411,361</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:26.307%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.273%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">On demand</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than 5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">699,007&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">207,554&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">117,431&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">43,090&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,248&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,796&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,102,126&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,082&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,026&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,772&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24,904&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,634&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,170&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,258&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,674&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,482&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,462&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">89,680&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customer</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">685,356&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">171,302&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">87,147&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,644&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,766&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,327&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">987,542&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Marketable debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36,315&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">48,973&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">102,306&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">61,260&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">74,817&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">323,671&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,241&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,861&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,471&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,738&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,591&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,014&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39,916&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">712,248</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">251,730</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">167,875</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">154,134</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">88,099</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">91,627</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,465,713</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:26.307%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.273%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">On demand</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than 5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#160;&#160;&#160;&#160;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">698,595&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">204,001&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">109,311&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">51,191&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,761&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,585&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,099,444&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">168&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,334&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,853&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,846&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,581&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">35&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">48,817&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,884&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,642&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,334&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,079&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,924&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,685&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">80,548&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customer</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">691,543&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">158,025&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">81,124&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,266&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,256&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,865&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">970,079&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Marketable debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28,258&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">62,935&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">91,492&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">56,944&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">60,166&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">299,795&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,666&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,078&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,041&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,898&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,727&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">777&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40,187&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">712,261</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">240,337</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">173,287</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">150,581</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">86,432</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">76,528</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,439,426</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Below is a breakdown of contractual maturities for the rest of financial assets and liabilities as of 31 December 2025, 2024 and 2023:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"></td><td style="width:33.721%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.763%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.763%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.763%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.763%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.763%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.764%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">FINANCIAL ASSETS</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">85,732</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">38,979</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">35,639</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">22,880</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">69,088</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">252,318</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,579&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,967&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,348&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,446&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,015&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">58,355&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,030&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,030&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,666&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,749&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,034&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,618&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">31,501&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">98,568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">61,487&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,263&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,257&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">816&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,542&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">73,365&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,143&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,181&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">308&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,632&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,532&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,114&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,104&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">213&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,967&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,812&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,968&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">845&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">603&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,538&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,766&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">611</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">893</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,595</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">819</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,128</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,046</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">333&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">480&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,032&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">394&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">655&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,894&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">413&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">563&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">425&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,473&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,152&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">353&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">413&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">258&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">412&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">553&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">396&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,739&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,091</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">174</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">407</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,089</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,761</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,815&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,815&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">109&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">245&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,057&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">165&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">314&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">165&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,701&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,057&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">165&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">314&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">165&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,701&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,281</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,281</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,281&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,281&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,066</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">293</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">609</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">440</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,523</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,931</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(22)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">63</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(17)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">72</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(46)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">50</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL FINANCIAL ASSETS</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">88,478</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">40,402</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">38,233</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">24,211</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">83,063</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">274,387</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"></td><td style="width:34.614%"></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: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: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:9.616%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">FINANCIAL LIABILITIES</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">131,052</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,783</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,084</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,642</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,985</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">171,546</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,105&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,339&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,403&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,051&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,070&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,968&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Shorts positions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39,712&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">661&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,271&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">478&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,893&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,015&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73,235&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">783&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,410&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">113&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">75,563&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,385&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,385&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,759&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">770&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,410&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">113&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,058&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,091&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,717</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,015</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,934</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,849</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,633</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">42,148</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,785&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,177&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,452&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,105&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,921&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,440&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,086&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,086&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">914&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">115&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">341&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,424&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,785&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,154&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,337&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,074&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,580&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,930&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Marketable debt securities</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">910&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">838&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,482&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,744&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,712&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,686&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">447</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">681</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">735</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">917</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,468</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,248</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL FINANCIAL LIABILITIES</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">151,200</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,504</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21,757</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,444</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">217,991</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">See breakdown by type of debt (subordinated debt, senior unsecured debt, senior secured debt, promissory notes and other securities) (see note 22).</span></div><div style="margin-bottom:9pt;margin-top:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"></td><td style="width:34.614%"></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: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: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:9.616%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans commitment granted</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">146,340&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31,411&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">45,392&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">58,085&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">40,006&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">321,234&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial guarantees granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,348&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,018&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,803&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">630&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">650&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,449&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other commitments granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">102,278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,002&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,820&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,643&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,375&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">148,118&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">MEMORANDUM ITEMS</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">256,966</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">58,431</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59,015</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">62,358</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">50,031</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">486,801</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In the Group&#8217;s experience, no outflows of cash or other financial assets take place prior to the contractual maturity date that might affect the information broken down above.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"></td><td style="width:34.709%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.601%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">FINANCIAL ASSETS</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">64,300</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">56,571</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">33,945</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">24,504</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">50,933</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">230,253</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,231&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,504&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,676&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,384&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,305&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">64,100&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,636&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,636&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,930&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,305&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,319&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,944&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,148&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">82,646&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">43,139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,762&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,950&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">176&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">844&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">66,871&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,241&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,725&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,966&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,840&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,088&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,287&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">99&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,314&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,058&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,949&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">663&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">176&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">745&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,591&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">152</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">750</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,421</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,075</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,517</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,915</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">95&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">342&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,254&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">680&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">526&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,897&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">408&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,167&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">395&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,991&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,018&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">353&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">408&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">408&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,162&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">361&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,638&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,610&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">794</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">102</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,197</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,130</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,641&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,641&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">393&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">447&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">755&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">92&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,042&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">755&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">92&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,042&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,193&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,193&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">1,786</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">1,423</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">957</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">800</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">706</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">5,672</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(61)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(569)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(50)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(42)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(704)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL FINANCIAL ASSETS</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">66,971</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">58,770</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">36,783</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">26,431</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">62,504</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">251,459</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"></td><td style="width:34.709%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.601%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">FINANCIAL LIABILITIES</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">100,071</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,537</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,244</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,530</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,769</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">152,151</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,364&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,296&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,946&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,335&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,812&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">57,753&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Shorts positions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28,548&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,931&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,199&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">195&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,957&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">35,830&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57,159&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">310&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,099&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">58,568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,300&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,300&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24,875&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">310&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,099&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,284&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,984&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,984&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,036</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,000</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,422</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,918</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,984</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36,360</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,193&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,860&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,037&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">490&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,226&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">28,806&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,774&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,774&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,035&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">133&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">49&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">393&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,625&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,384&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,727&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,022&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">441&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,833&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,407&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Marketable debt securities</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">843&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,140&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,385&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,428&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,758&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,554&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">832</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">668</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">826</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">814</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,612</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,752</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">47&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(64)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL FINANCIAL LIABILITIES</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">116,939</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">23,200</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21,505</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,309</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,301</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">193,254</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">See breakdown by type of debt (subordinated debt, senior unsecured debt, senior secured debt, promissory notes and other securities) (see note 22).</span></div><div style="text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:9pt;margin-top:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"><tr><td style="width:1.0%"></td><td style="width:34.518%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.630%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.630%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.630%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.630%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.630%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.632%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans commitment granted</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">133,084&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">35,747&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">57,157&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">57,285&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,588&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">302,861&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial guarantees granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,103&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,803&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,691&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">796&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">508&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,901&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other commitments granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">92,172&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,681&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,197&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,032&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,411&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">134,493&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">MEMORANDUM ITEMS</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">230,359</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">63,231</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">74,045</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">63,113</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">23,507</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">454,255</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"></td><td style="width:34.614%"></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: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: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:9.616%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">FINANCIAL ASSETS</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">36,120</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">49,668</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">30,602</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17,912</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">42,619</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">176,921</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,777&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,551&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,775&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,532&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,693&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">56,328&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,057&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,057&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,598&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,315&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,274&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,137&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,800&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">62,124&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,745&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,802&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,553&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">243&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">69&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">43,412&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,146&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,571&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,717&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,861&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,076&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,079&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,061&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,738&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,155&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,474&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">198&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">69&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,634&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,657</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">557</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,529</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,350</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,680</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,773</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">252&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,269&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">690&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">807&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,095&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">480&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,260&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">660&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,873&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,678&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">393&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">459&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,379&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">458&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,257&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">645&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,480&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,219&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">591</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">153&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,015</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,910</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,068&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,068&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">759&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">860&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">550&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">153&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">188&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">982&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">550&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">153&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">188&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">982&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,761</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,761</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,761&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,761&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,188</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">412</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,535</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">937</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,225</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,297</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(237)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(225)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">156</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(402)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(80)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(788)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL FINANCIAL ASSETS</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">39,319</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">50,565</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">34,893</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">19,877</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">54,220</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">198,874</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"></td><td style="width:34.709%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.601%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">FINANCIAL LIABILITIES</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">73,257</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,127</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,180</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,591</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,115</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">122,270</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,147&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,486&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,990&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,060&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,906&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">50,589&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Shorts positions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,381&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,288&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">765&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">531&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,174&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">43,729&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,353&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">425&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">45,507&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,808&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,808&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,228&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">425&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,862&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,693&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,144&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,837&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23,190</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,583</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,863</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,359</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,372</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40,367</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">22,688&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,459&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,223&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">338&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,288&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">34,996&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,158&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">51&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,161&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">84&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">61&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">372&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,735&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,369&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,351&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">277&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,916&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">32,052&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Marketable debt securities</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">502&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,124&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,640&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,021&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,084&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,371&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,525</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,064</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,577</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">878</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,612</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,656</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL FINANCIAL LIABILITIES</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">97,971</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21,770</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">25,656</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,823</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,128</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">170,348</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">See breakdown by type of debt (subordinated debt, senior unsecured debt, senior secured debt, promissory notes and other securities) (see note 22).</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"></td><td style="width:34.709%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.601%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans commitment granted</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">125,083&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31,658&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">55,344&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">47,204&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,300&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">279,589&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial guarantees granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,870&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,734&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,654&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">686&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">491&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,435&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other commitments granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">81,146&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,448&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,699&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,386&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,594&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">113,273&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">MEMORANDUM ITEMS</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">214,099</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,840</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">66,697</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">51,276</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">22,385</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">408,297</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i0f44b478a3a643188092d7aae3197740"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Equivalent euro value of assets and liabilities</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of the main foreign currency balances in the consolidated balance sheet, based on the nature of the related items, is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:37.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.833%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Equivalent&#160;value&#160;in EUR million</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="2" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash, cash balances at central banks and other deposits on demand</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">89,186&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">109,932&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">114,410&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets/liabilities held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">136,499&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">75,272&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">130,076&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76,216&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">106,011&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60,581&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,530&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,208&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,291&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial assets/liabilities at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">666&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,943&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">793&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,844&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,721&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,699&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,564&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60,861&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60,516&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">745,401&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">777,226&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">773,504&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Investments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,859&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,103&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,689&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,437&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,812&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,797&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Intangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,296&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,282&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,772&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">854,517&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">938,844&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">937,917&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Liabilities under insurance contracts</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">227&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">261&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">330&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96,469&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82,901&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,891&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,385&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,236&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,740&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,143,907</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,027,860</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,141,184</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,051,550</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,120,947</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,037,267</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Includes the import of the Polish business held for sale.</span></div><div style="margin-bottom:6pt;margin-top:9pt;padding-right:263.62pt"><span id="i4b2ec453a7394e068d3a03550f2fecd2"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Fair value of financial assets and liabilities not measured at fair value</span></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The fair value at year-end of the financial instruments (certain portfolios of loans and advances and debt securities, on the asset side, and deposits and debt securities, on the liability side) registered in the consolidated balance sheet at amortized cost is presented below:</span></div><div style="margin-bottom:3pt;margin-top:9pt;padding-right:263.62pt"><span id="i49dadf88c4804c179c0246c901004c40"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i) Financial assets measured at other than fair value</span></div><div style="margin-bottom:9pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.392%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.418%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.392%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.835%"></td><td style="width:0.1%"></td></tr><tr><td colspan="54" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 1.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;3</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">Loans and advances</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">1,062,675&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">1,062,981&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">113,004&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">949,977&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,082,758&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,073,530&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">104,582&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">968,948&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,087,844&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,077,543&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">103,414&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">974,129&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">140,014&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">139,242&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">103,120&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">14,100&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">22,022&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">120,949&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">119,539&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">87,170&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,149&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,220&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">103,559&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">102,888&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">67,951&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,057&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23,880&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,202,689</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,202,223</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">103,120</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">127,104</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">971,999</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,203,707</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,193,069</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">87,170</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">117,731</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">988,168</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,191,403</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,180,431</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">67,951</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">114,471</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">998,009</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ib9bfa59f3c714397a8ea183e6a194f2f"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii) Financial liabilities measured at other than fair value</span></div><div style="margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.677%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.677%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.689%"></td><td style="width:0.1%"></td></tr><tr><td colspan="54" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.75pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Liabilities</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.22pt;font-weight:700;line-height:105%;position:relative;top:-2.27pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;3</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">Deposits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">1,072,384&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">1,073,147&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">235,998&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">837,149&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,126,439&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,125,532&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">250,440&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">875,092&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,125,308&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,124,373&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">263,428&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">860,945&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">312,704&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">314,173&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">162,382&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">115,597&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">36,194&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 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:105%">317,967&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">317,912&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">170,118&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">112,365&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">35,429&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 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:105%">303,208&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">298,792&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">136,109&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">125,575&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">37,108&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,385,088</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,387,320</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">162,382</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">351,595</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">873,343</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,444,406</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,443,444</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">170,118</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">362,805</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">910,521</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,428,516</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,423,165</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">136,109</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">389,003</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">898,053</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:15pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">At 31 December 2025, Grupo Santander had other financial liabilities that amounted to EUR 36,096 million, EUR 39,916 million in 2024 and EUR 40,187 million in 2023.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> The main valuation methods and inputs used in the estimates at 31 December 2025 of the fair values of the financial assets and liabilities in the foregoing table were as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Financial assets at amortised cost: the fair value was estimated using the present value method. The estimates were made considering factors such as the expected maturity of the portfolio, market interest rates, spreads on newly approved transactions or market spreads&#160;-when available-.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Financial liabilities at amortised cost:</span></div><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">i) Deposits: the fair value of  short term  and on demand   deposits was taken to be their carrying amount. Factors such as the expected maturity of the transactions and the Group&#8217;s current cost of funding in similar transactions are consider for the estimation of long term deposits fair value. It had been used also current rates offered for deposits of similar remaining maturities.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ii) Marketable debt securities and subordinated liabilities: the fair value was calculated based on market prices for these instruments&#160;-when available- or by the present value method using market interest rates and spreads, as well as using any significant input which is not observable with market data if applicable.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">iii) The fair value of cash, cash balances at central banks and other deposits on demand was taken to be their carrying amount since they are mainly short-term balances.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;margin-top:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span id="i64a6dfdfac4a49b4b0d087943e8ae11a"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d) Offsetting of financial instruments</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is the detail of financial assets and liabilities that were offset in the consolidated balance sheets as of 31 December 2025, 2024 and 2023:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:23.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.430%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:25.134%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:25.136%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial assets</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial assets offset in the balance sheet</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net amount of financial assets presented in the balance sheet</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117,733&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(55,447)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,286&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">217,509&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(76,535)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">140,974&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">335,242</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(131,982)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">203,260</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:24.517%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.430%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.828%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial assets</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount of financial assets offset in the balance sheet</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net amount of financial assets presented in the balance sheet</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152,331&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(82,559)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69,772&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">189,034&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(67,488)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">121,546&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">341,365</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(150,047)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">191,318</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:24.517%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.430%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.828%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial assets</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial assets offset in the balance sheet</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net amount of financial assets presented in the balance sheet</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">149,508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(87,883)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">61,625&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">179,580&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(79,500)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100,080&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">329,088</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(167,383)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">161,705</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span><br/></span></div><div><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt;margin-top:3pt"><span><br/></span></div><div style="margin-top:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:24.517%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.430%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.828%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial liabilities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial liabilities offset in the balance sheet</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net amount of financial liabilities presented in the balance sheet</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">111,664&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(55,447)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56,217&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">246,961&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(76,535)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">170,426&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">358,625</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(131,982)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">226,643</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:24.517%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.430%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.828%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial liabilities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial liabilities offset in the balance sheet</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net amount of financial liabilities presented in the balance sheet</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">145,064&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(82,559)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,505&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">223,141&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(67,488)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">155,653&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">368,205</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(150,047)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">218,158</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:24.517%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.430%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.828%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial liabilities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial liabilities offset in the balance sheet</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net amount of financial liabilities presented in the balance sheet</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">146,128&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(87,883)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58,245&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">212,840&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(79,500)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">133,340&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">358,968</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(167,383)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">191,585</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025, Grupo Santander has offset other items amounting to EUR 632 million (EUR 811 million and EUR 910 million at 31 December 2024 and 2023, respectively).</span></div><div><span><br/></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:130%">At 31 December 2025 the balance sheet shows the amounts EUR&#160;192,621 million (EUR&#160;176,198 million and EUR 151,044 million at 31 December 2024 and 2023) on derivatives and repos as assets and EUR 220,296 million (EUR&#160;209,121 million and EUR 180,539 million at 31 December 2024 and 2023, respectively) on derivatives and repos as liabilities that are subject to netting and collateral arrangements.</span></div></div></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Primary and secondary segments reporting<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOperatingSegmentsAbstract', window );"><strong>Disclosure of operating segments [abstract]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfEntitysReportableSegmentsExplanatory', window );">Primary and secondary segments reporting</a></td>
<td class="text">Primary and secondary segments reporting<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander bases segment reporting on financial information presented to the chief operating decision maker, which excludes certain statutory results items that distort year-on-year comparisons and are not considered for management reporting. 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, impairment of goodwill, etc.). These gains and losses are items that management and investors ordinarily identify and consider separately to better understand the underlying trends in the business.</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:130%">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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander 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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The segments are split by global business and by country in which profits are earned. Santander prepares the information by aggregating the figures for Grupo Santander&#8217;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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On 10 February 2026, the Group announced the implementation of a series of changes to its reporting structure. These changes are intended to improve the transparency and comparability of the metrics and financial statements, as well as to align the reporting with the way the bank has been managed since the beginning of 2026.</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:130%">These changes, which affect the statutory and underlying income statements, the segment reporting and certain management metrics, have been applied to the periods presented herein and will apply to the information reported from the first quarter of 2026. These changes do not affect the Group&#8217;s consolidated balance sheet. </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:130%">The main changes are as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In the underlying income statement, the results associated with the business subject to the Poland disposal are recorded in a single line item under 'non-recurring items'. Consequently, the global businesses, which, in accordance with IFRS 8, are reported only on an underlying basis, also exclude Poland.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Certain charges that, until 31 December 2025, were recorded under the 'other provisions' line item are now presented in different lines of the income statement. In particular, charges mainly relating to bank levies and other taxes applicable to the banking sector, are reclassified to 'other operating costs' to ensure uniformity across the Group. In addition, certain recurring operating charges, primarily related to labour (mainly in Brazil) and legal processes, are presented in 'total costs' (comprising </span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">'administrative expenses and amortizations' and 'other operating costs').  </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Given that our payments platform strategy is now largely established, we are positioning Payments, renamed Payment Solutions, as the Group&#8217;s payments platform business. In this context, from 1 January 2026, the income statement and balance sheet items relating to the Cards business have been reclassified to Retail (previously recorded in Payments), to better align reporting with the management structure in these businesses in 2026.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In addition to the change in the Payments business described above, two minor adjustments have been introduced to the primary segments: i) the Digital Consumer Bank (Consumer) business has been renamed Openbank; and ii) Wealth Management &amp; Insurance has been reorganized into two business lines. These changes do not impact figures at the Group or primary segment levels.</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:130%">The Group has recast the corresponding information of earlier periods to reflect these changes in the structure of its internal organization.</span></div><div style="margin-bottom:6pt;margin-top:12pt"><span id="i4202235fb51e42a48cd3b55866820599"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Primary segments</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:130%">This primary level of segmentation, which is based on the Group&#8217;s management structure, comprises six reportable segments: five global businesses plus the Corporate Centre. The operating areas are:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Retail &amp; Commercial Banking (Retail): area that integrates the retail banking and commercial banking business (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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Openbank, formerly Digital Consumer Bank (Consumer): comprises all business originated by consumer finance companies, plus our digital bank (formerly Openbank), Open Digital Services (ODS) and SBNA Consumer. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Corporate &amp; Investment Banking (CIB): this business, which includes Global Transactional Banking, Global Banking (Global Debt Financing and Corporate Finance) and Global Markets, offers products and services on a global scale to corporate and institutional customers, and collaborates with other global businesses to better serve our broad customer base.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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 brings 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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Payment Solutions (Payments): brings together the Group&#8217;s digital payment solutions, providing global technological solutions to Group entities and new customers in the open market. It comprises Getnet, Getnet Platforms and Ebury.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As Grupo Santander&#8217;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 Grupo Santander&#8217;s central services (charged to the areas), except for corporate and institutional expenses related to the Grupo Santander&#8217;s functioning.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">There are no customers located in any of the areas that generate income exceeding 10% of Total income.</span></div></div></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The main masses of the balance sheets of the different segments, summarized, are indicated below:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.800%"><tr><td style="width:1.0%"></td><td style="width:23.710%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.943%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.397%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.372%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.431%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.737%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail &amp; Commercial Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate &amp; Investment Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wealth Management &amp; Insurance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payment Solutions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate Centre</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">594,262&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">203,857&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">204,210&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,516&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">977&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,465&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,037,288</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">628,026&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">129,946&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">221,321&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">59,127&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,392&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,387&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,041,200</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:400;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">591,287&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">211,894&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">146,065&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,680&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,002&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,537&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">984,466</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers funds</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">726,779&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">138,999&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">149,731&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">181,509&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,392&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,387&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,199,798</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Customer deposits</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">616,402&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">129,909&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">137,267&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">58,051&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,392&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,387&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">944,409</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Mutual funds</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">110,377&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,089&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,464&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">123,458&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">255,389</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:97.800%"><tr><td style="width:1.0%"></td><td style="width:23.710%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.943%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.397%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.372%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.431%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.737%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail &amp; Commercial Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate &amp; Investment Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wealth Management &amp; Insurance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payment Solutions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate Centre</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">598,852&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">207,107&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">178,746&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,478&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,066&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,911&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,017,160</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">618,628&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">128,975&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">198,872&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56,663&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,038&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,430&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,005,605</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:400;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">600,230&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">215,164&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">130,840&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,643&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,087&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,997&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">978,961</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers funds</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">706,505&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137,122&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">147,492&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">161,304&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,038&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,299&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,154,759</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Customer deposits</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">607,094&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">128,933&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">133,433&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">55,736&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,038&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,299&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">927,533</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Mutual funds</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">99,411&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,189&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,059&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">105,568&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">227,226</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:97.800%"><tr><td style="width:1.0%"></td><td style="width:23.710%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.943%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.397%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.372%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.431%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.737%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail &amp; Commercial Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate &amp; Investment Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wealth Management &amp; Insurance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payment Solutions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate Centre</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">610,528&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">199,158&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">163,627&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,456&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,165&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,531&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,003,465</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">629,243&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">115,446&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">200,592&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">54,462&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,418&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,002,669</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt 0 7pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:400;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">611,882&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">206,649&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">132,308&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,550&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,194&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,608&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">981,192</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers funds</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">688,569&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">120,996&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">166,721&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">148,292&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,418&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,127,503</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Customer deposits</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">600,871&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">114,334&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">152,156&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,599&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,418&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">923,884</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Mutual funds</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">87,698&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,662&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,565&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">94,693&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">203,618</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Excluding reverse repos.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt">Excluding repos.</span></div><div style="margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%">The condensed income statements for the primary segments are as follows:</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:29.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail &amp; Commercial Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate &amp; Investment Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wealth Management &amp; Insurance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payment Solutions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate Centre</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">26,528</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,036</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,824</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,335</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">167</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(490)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">42,401</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,222&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,479&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,552&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,642&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,059&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(27)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,928&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">680&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,281&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">512&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(82)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,354&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(983)</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">511&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">359&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">552&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">171&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">625&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">32,447</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,015</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,016</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,042</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,373</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(585)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">58,308</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,913)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,680)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,752)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,444)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,203)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(417)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26,410)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,534</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,335</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,264</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,598</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">170</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,003)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31,898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,150)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,457)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(278)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(198)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12,128)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(385)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(312)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(37)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(75)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(834)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,998</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,566</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,949</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,564</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">134</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,275)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,936</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,974)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(489)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,114)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(532)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(19)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">190&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,939)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,077</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,835</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,032</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">115</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,085)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,997</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,077</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,835</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,032</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">115</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,085)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,997</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(314)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(336)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(127)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(50)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(19)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(845)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Underlying profit attributable to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,710</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,741</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,708</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,983</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">96</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,085)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,152</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 50&#160;million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except an addition EUR 50&#160;million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognised in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:29.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail &amp; Commercial Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate &amp; Investment Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wealth Management &amp; Insurance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payment Solutions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate Centre</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">27,854</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,777</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,779</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,591</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">132</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(308)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">43,824</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,022&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,415&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,442&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">958&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,335&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">805&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">256&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(408)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,216&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,617)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">596&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">136&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">298&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(391)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">33,064</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,877</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,897</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,587</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,240</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(680)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">57,984</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14,704)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,576)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,922)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,403)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,209)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(540)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(27,354)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,359</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,302</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,975</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,183</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,220)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,630</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,064)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,562)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(141)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(42)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11,822)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(545)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(512)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(19)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(247)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(99)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,431)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,750</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,228</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,815</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,134</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(233)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,317)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,132)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(294)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,023)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(509)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(57)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">162&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,853)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,619</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,934</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,792</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,624</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(290)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,155)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,524</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,619</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,934</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,792</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,624</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(290)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,155)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,524</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(273)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(275)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(153)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(40)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(750)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Underlying profit attributable to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,345</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,659</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,639</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,584</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(299)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,154)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,774</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">'Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">'Net Loan loss provisions' refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 47&#160;million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except an addition of EUR 47&#160;million  mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognised in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:29.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail &amp; Commercial Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate &amp; Investment Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wealth Management &amp; Insurance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payment Solutions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate Centre</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">25,586</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,221</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,361</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,499</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">92</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(41)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">40,718</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,077&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,229&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,013&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,209&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">954&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,468&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">837&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">116&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,748&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">178&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(302)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,566&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,707)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">709&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(22)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">197&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">97&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(86)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(812)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,792</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,274</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,100</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,082</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,134</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(442)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,940</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14,757)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,526)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,381)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,266)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,111)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(460)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26,501)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,036</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,748</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,719</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,816</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">23</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(901)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">27,439</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,542)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,106)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(132)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11,784)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(298)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(62)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(350)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,195</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,677</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,578</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,834</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(17)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(961)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,305</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,076)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(426)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,086)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(429)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(59)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(36)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,112)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,120</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,251</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,491</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,405</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(75)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(998)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,120</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,251</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,491</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,405</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(75)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(998)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(232)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(350)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(163)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(45)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(791)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Underlying profit attributable to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,887</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,901</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,328</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,360</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(77)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(998)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,402</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes a release of EUR 38&#160;million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except a release of EUR 38&#160;million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognised in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i1cee3d5ad3ab4eb6bbc46ae24837b6d9"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Secondary segments</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This secondary level includes our main geographical units and the Corporate Centre, as described in the primary segments.</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:130%">Detailed financial information is provided on Spain, the UK, Portugal, Openbank Europe (previously referred to as DCB Europe), which includes all consumer business, our digital bank in Europe and ODS, the US, Mexico, Brazil, Chile and Argentina.</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:130%">Information is also provided for the 'Rest of the Group', the grouping which brings together everything that is not included in the aforementioned geographical units or the Corporate Centre.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">There are no customers located in a place different from the location of the Group's assets that generate revenues in excess of 10% of ordinary revenues.</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:130%">The main masses of the balance sheets of the different secondary segments, summarized, are indicated below: </span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:27.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.757%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Spain</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United Kingdom</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portugal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank Europe</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United States</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mexico</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">264,950&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">242,624&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,260&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">139,322&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">132,659&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,083&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">354,943&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">225,708&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,576&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82,359&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">122,000&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,595&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:400;line-height:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gross loans and advances to customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">237,385&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">228,273&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,980&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">142,477&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">108,950&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49,442&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customers funds</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">429,464&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">227,160&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,201&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87,559&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">103,178&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68,201&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Customer deposits</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">322,070&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">219,440&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">40,576&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">82,359&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">87,686&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">45,498&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Mutual funds</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">107,394&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,719&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,625&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,200&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,492&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">22,703&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:27.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.757%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Brazil</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Chile</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Argentina</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporate Center</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Rest of the Group</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87,653&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39,924&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,032&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,465&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,315&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,037,288</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">92,256&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,503&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,959&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,387&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,913&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,041,200</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:400;line-height:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gross loans and advances to customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93,030&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,986&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,611&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,537&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,796&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">984,466</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customers funds</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">132,580&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,256&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,894&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,387&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,916&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,199,798</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Customer deposits</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">80,449&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">28,293&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,959&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,387&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">26,691&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">944,409</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Mutual funds</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">52,132&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,963&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,934&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,225&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">255,389</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:26.900%"></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><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="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Spain</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United Kingdom</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portugal</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank Europe</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United States</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mexico</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">246,897&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">246,453&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,410&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137,038&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">134,856&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,054&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">323,425&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">230,408&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,304&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81,376&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">125,403&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49,836&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:400;line-height:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gross loans and advances to customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">225,759&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">236,496&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39,143&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">139,927&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117,511&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,715&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customers funds</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">399,999&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">230,479&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,186&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">85,876&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">108,246&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">61,160&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Customer deposits</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">306,389</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">222,835</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">38,304</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">81,376</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">93,545</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">41,528</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Mutual funds</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">93,609</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">7,643</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">4,882</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">4,500</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">14,702</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">19,632</span></td></tr></table></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"><tr><td style="width:1.0%"></td><td style="width:27.364%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.826%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Brazil</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Chile</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Argentina</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporate Center</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Rest of the Group</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88,620&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,332&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,684&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,911&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,905&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,017,160</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93,994&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,181&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,293&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,430&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,955&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,005,605</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:400;line-height:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gross loans and advances to customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93,785&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,405&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,938&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,997&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,285&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">978,961</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customers funds</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">129,881&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,383&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,047&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,299&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,204&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,154,759</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Customer deposits</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">81,378&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,060&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,293&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,299&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,527&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">927,533</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Mutual funds</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">48,503&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,324&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,754&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,677&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">227,226</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-indent:6.66pt"><span><br/></span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"></td><td style="width:26.686%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.939%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United Kingdom</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portugal</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank Europe</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">United States</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Mexico</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">239,214&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">245,743&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,864&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">132,692&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">126,843&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,905&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">324,099&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">233,453&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,366&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69,334&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">121,782&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,703&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:400;line-height:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gross loans and advances to customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">229,803&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">235,111&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37,658&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">135,202&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">112,671&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,688&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customers funds</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">386,810&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">231,667&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,618&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">72,963&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">108,062&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,775&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Customer deposits</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">308,745&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">224,396&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">36,366&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">69,334&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">95,697&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">45,693&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Mutual funds</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">78,065&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,272&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,252&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,629&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,364&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,082&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"></td><td style="width:26.793%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.917%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.917%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.917%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.917%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.917%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.922%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Brazil</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Chile</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Argentina</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate Center</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Rest of the Group</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96,399&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,616&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,767&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,531&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,892&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,003,465</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">110,162&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,578&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,478&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,207&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,002,669</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:400;line-height:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gross loans and advances to customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">102,583&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,823&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,878&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,608&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,164&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">981,192</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customers funds</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">145,044&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,098&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,288&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,670&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,127,503</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Customer deposits</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">90,297&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">29,337&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,478&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,034&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">923,884</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 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:105%">Mutual funds</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">54,747&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,761&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,810&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,636&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">203,618</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Excluding reverse repos.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt">Excluding repos.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The condensed income statements are as follow</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"><tr><td style="width:1.0%"></td><td style="width:27.364%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.826%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Spain</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United Kingdom</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portugal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Openbank Europe</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United States</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mexico</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">7,305</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,008</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,346</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,685</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,888</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,554</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,022&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">369&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">506&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">804&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,328&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,454&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">841&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(100)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">70&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(39)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">547&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">427&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">720&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(245)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">474&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">165&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(130)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,887</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,032</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,956</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,925</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,929</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,305</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,465)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,937)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(544)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,899)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,890)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,730)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,423</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,095</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,412</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,026</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,039</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,575</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,142)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(177)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,363)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,244)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,239)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(198)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(124)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(47)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,083</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,794</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,417</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,398</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,748</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,336</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,811)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(486)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(405)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(322)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(207)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(627)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit/(loss) from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,272</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,307</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,011</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,076</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,541</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,709</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit/(loss) from discontinued operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit/(loss)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,272</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,307</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,011</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,076</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,541</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,709</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(304)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,272</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,307</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,010</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">772</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,541</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,705</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:26.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.049%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Brazil</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Chile</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Argentina</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporate Centre</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Rest of the Group</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">9,380</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,917</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,727</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(490)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,080</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">42,401</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,193&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">582&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">788&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(27)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">908&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,928&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(64)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">230&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">229&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(82)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">296&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,354&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(510)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">625&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,602</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,714</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,235</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(585)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,309</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">58,308</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,957)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(919)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(978)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(417)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,676)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26,410)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,645</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,795</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,257</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,003)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">634</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31,898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,409)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(531)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(574)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(198)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(260)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12,128)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(33)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(75)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(45)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(834)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,224</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,232</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">650</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,275)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">328</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,936</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(836)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(189)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(216)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">190&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(29)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,939)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit/(loss) from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,388</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,043</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">434</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,085)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">300</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,997</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit/(loss) from discontinued operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit/(loss)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,388</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,043</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">434</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,085)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">300</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,997</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(220)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(314)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(845)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,168</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">729</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">433</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,085)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">300</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,152</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 50 million mainly corresponding to the results by commitments and contingent risks included in the line provisions or reversal of provisions, net of the statutory income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except an addition of EUR 50 million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div><div style="text-indent:10.91pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:26.900%"></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><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="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Spain</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United Kingdom</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portugal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Openbank Europe</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United States</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mexico</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">7,256</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,950</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,548</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,361</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,693</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,631</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,867&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">283&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">467&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">902&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,152&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,385&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(18)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">371&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">396&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">358&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(203)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">365&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(133)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,580</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,011</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,065</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,644</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,580</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,278</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,509)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,050)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(574)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,848)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,965)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,727)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,071</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,962</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,492</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,796</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,615</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,551</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,259)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(64)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,209)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,507)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,277)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(372)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(104)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(456)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(55)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,440</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,794</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,481</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,131</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,053</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,274</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,678)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(488)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(478)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(255)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(598)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit/(loss) from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,763</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,306</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,003</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">876</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,109</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,676</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit/(loss) from discontinued operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit/(loss)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,763</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,306</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,003</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">876</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,109</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,676</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(234)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,762</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,306</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,001</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">642</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,109</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,671</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:26.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.049%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Brazil</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Chile</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Argentina</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporate Centre</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Rest of the Group</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">10,121</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,822</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,919</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(308)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">832</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">43,824</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,414&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">551&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">602&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">722&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,335&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(37)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">238&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">229&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(408)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">326&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,216&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(18)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,263)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(391)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,536</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,592</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,487</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(680)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,889</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">57,984</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,219)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(942)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,337)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(540)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,643)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(27,354)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,318</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,650</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,150</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,220)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">246</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,630</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,487)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(497)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(284)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(230)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11,822)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(42)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(39)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(99)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(263)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,431)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,830</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,111</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">827</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,317)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(248)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,165)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(211)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(161)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">162&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(37)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,853)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit/(loss) from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,665</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">899</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">666</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,155)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(285)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,524</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit/(loss) from discontinued operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit/(loss)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,665</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">899</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">666</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,155)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(285)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,524</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(243)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(271)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(750)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,422</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">629</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">665</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,154)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(280)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,774</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 47&#160;million mainly corresponding to the results by commitments and contingent risks included in the line provisions or reversal of provisions, net of the statutory income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except an addition of EUR 47&#160;million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"></td><td style="width:26.686%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.939%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Spain</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United Kingdom</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portugal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Openbank Europe</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United States</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mexico</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">6,641</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,152</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,465</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,742</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,408</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,699&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">338&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">464&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">796&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">766&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,374&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">688&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">294&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">211&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(190)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(162)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(17)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">375&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">406&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(94)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,837</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,358</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,944</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,481</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,209</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,899</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,815)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,928)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(567)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,751)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,707)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,645)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,022</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,430</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,378</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,730</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,502</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,254</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,522)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(247)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(77)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(792)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,593)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,135)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(100)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(75)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(46)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,399</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,107</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,314</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,019</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">863</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,119</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,029)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(563)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(416)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(493)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(541)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit/(loss) from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,371</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,545</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,526</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">932</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,577</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit/(loss) from discontinued operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit/(loss)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,371</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,545</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,526</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">932</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,577</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(327)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(17)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,371</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,545</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">896</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,199</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">932</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,560</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:26.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.049%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Brazil</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Chile</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Argentina</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporate Centre</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Rest of the Group</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">9,116</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,383</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,879</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(41)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">780</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">40,718</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,462&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">572&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">396&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">615&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,468&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">483&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">320&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">341&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(302)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">353&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,566&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,071)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(86)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(812)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,104</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,285</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,544</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(442)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,721</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,940</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,430)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(953)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(831)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(460)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,415)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26,501)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,674</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,332</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">713</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(901)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">306</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">27,439</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,701)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(365)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(150)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(203)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11,784)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(62)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(58)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(62)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(25)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(350)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,911</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">951</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">505</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(961)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">77</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,305</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(776)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(135)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(117)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(36)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(75)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,112)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit/(loss) from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,135</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">816</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">388</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(998)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit/(loss) from discontinued operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit/(loss)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,135</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">816</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">388</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(998)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(215)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(234)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(791)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,921</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">582</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">386</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(998)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,402</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes a release of EUR 38&#160;million mainly corresponding to the results by commitments and contingent risks included in the line provisions or reversal of provisions, net of the statutory income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except a release of EUR 38&#160;million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div><div style="margin-bottom:6pt;padding-right:263.62pt"><span id="ic408f97c36dd4ce4b465f8447579cbef"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Reconciliations of reportable segment results</span></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The tables below reconcile the statutory basis results to the underlying results for each of the periods presented as required by IFRS 8. For the purposes of these reconciliations, all material reconciling items are separately identified and described.</span></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander assets and liabilities for management reporting purposes do not differ from the statutory reported figures and therefore are not reconciled.</span></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:53.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.161%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Reconciliation of statutory results to underlying results </span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Statutory results</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Adjustments related to the Poland disposal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other adjustments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Underlying results</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">42,348</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">53</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">42,401</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,976&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(48)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,928&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,362&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,354&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">625&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">625&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">58,311</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">58,308</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Administrative expenses, depreciation and amortisation</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(24,779)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">22&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(24,757)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other operating costs<br/></span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,653)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,653)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">33,532</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">19</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,653)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31,898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12,596)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">467&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12,128)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,255)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,422&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(834)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18,681</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">19</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">236</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18,936</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,723)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(210)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,939)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Adjusted profit for the year from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,958</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">26</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,997</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit from discontinued operations (net)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,542&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,542)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit/(loss)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15,500</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,529)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">26</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,997</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,399)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">580&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(26)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(845)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">14,101</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(949)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,152</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 50&#160;million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.</span></div><div style="margin-bottom:15pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except for an addition of EUR 50 million mainly corresponding to results from commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">To better understand the business trends, we reclassified certain items under some headings of the underlying income statement. These reclassifications between the statutory and underlying income statements include:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In the statutory income statement, results associated with the business subject to the Poland disposal are reported in the 'profit/(loss) after tax from discontinued operations' line item. However, in the underlying income statement, the results related to the business subject to the Poland disposal are excluded.&#160;&#160;&#160;&#160;</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Certain charges recorded in the statutory account under the line items that comprise 'other gains (losses) and provisions' are presented in the underlying income statement under the 'total costs' line item. These are mainly recurring operating charges, primarily related to labour and legal processes, and exclude EUR 620&#160;million of restructuring charges and EUR 214&#160;million of provisions for potential complaints related to motor finance dealer commissions.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">A capital gain in Q2 2025 of EUR 231&#160;million from the sale of Santander&#8217;s remaining 30.5% stake in CACEIS was completely offset by a charge of EUR 467&#160;million in Q2 2025 (EUR 231&#160;million net of tax and minority interests), which strengthens the balance sheet after having updated macroeconomic parameters in Brazil&#8217;s credit provisioning models in 'Other gains (losses) and provisions'.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:53.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.161%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Reconciliation of statutory results to underlying results</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Statutory results</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Adjustments related to the Poland disposal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other adjustments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Underlying results</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">43,787</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">37</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">43,824</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,376&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(41)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,335&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,211&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,216&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(331)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(60)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(391)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">58,043</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(59)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">57,984</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Administrative expenses, depreciation and amortisation </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(25,215)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">80&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(25,135)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other operating costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,219)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,219)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">32,828</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">21</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(2,219)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">30,630</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12,183)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">352&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(11,822)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3,298)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,867&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,431)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17,347</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">30</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,844)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,853)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Adjusted profit for the year from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,503</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">21</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,524</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit from discontinued operations (net)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,241&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,241)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit/(loss)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,744</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,220)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,524</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,170)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">420&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(750)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,574</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(800)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,774</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 47 million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.</span></div><div style="margin-bottom:27pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except for an addition of EUR 47 million mainly corresponding to results from commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">To better understand the business trends, we reclassified certain items under some headings of the underlying income statement. These reclassifications between the statutory and underlying income statements include: </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In the statutory income statement, results associated with the business subject to the Poland disposal are reported in the 'profit/(loss) after tax from discontinued operations' line item. However, in the underlying income statement, the results related to the business subject to the Poland disposal are excluded.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Certain charges recorded in the statutory account under the line items that comprise 'other gains (losses) and provisions' are presented in the underlying income statement under the 'total costs' line item. These are mainly recurring operating charges, primarily related to labour and legal processes, and exclude EUR 835&#160;million of restructuring charges, EUR 353&#160;million of provisions for potential complaints related to motor finance dealer commissions and EUR 243&#160;million from charges related to the discontinuation of our merchant platform in Germany and Superdigital in Latin America. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The recognition of provisions to strengthen the balance sheet in Brazil, amounted to EUR 352&#160;million gross in Q2 2024 (EUR 174&#160;million net of tax and non-controlling interests) were compensated with gains on Pluxee in Brazil in 'Other gains (losses) and provisions'.</span></div></div></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:53.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.161%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Reconciliation of statutory results to underlying results</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Statutory results</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Adjustments related to the Poland disposal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other adjustments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Underlying results</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">40,650</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">68</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">40,718</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,495&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(27)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,468&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,565&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,566&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(759)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(53)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(812)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">53,951</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(11)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">53,940</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Administrative expenses, depreciation and amortisation </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(24,684)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">69&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(24,615)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other operating costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,886)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,886)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">29,267</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">58</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,886)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">27,439</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12,260)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">474&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(11,784)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,002)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,651&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(350)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15,005</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">61</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">239</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15,305</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3,880)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(19)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(213)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,112)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Adjusted profit for the year from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,125</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">42</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">26</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit from discontinued operations (net)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,058&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,058)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit/(loss)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,183</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,016)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">26</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,107)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">342&#160;</span></td><td style="border-top:0.5pt solid 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,076</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(674)</span></td><td style="border-bottom:0.5pt solid 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes a release of EUR 38 million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.</span></div><div style="margin-bottom:18pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except a release of EUR 38 million mainly corresponding to results from commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">To better understand the business trends, we reclassified certain items under some headings of the underlying income statement. These reclassifications between the statutory and underlying income statements include: </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In the statutory income statement, results associated with the business subject to the Poland disposal are reported in the 'profit/(loss) after tax from discontinued operations' line item. However, in the underlying income statement, the results related to the business subject to the Poland disposal are excluded.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"> Certain charges recorded in the statutory account under the line items that comprise 'other gains (losses) and provisions' are presented in the underlying income statement under the 'total costs' line item. These are mainly recurring operating charges, primarily related to labour and legal processes, and exclude EUR 385&#160;million of restructuring charges. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Provisions to strengthen the balance sheet in Brazil in Q1 2023, totalling EUR 235&#160;million, net of tax and non-controlling interests (EUR 474&#160;million recorded in net loan-loss provisions, EUR 213&#160;million positive tax impact and EUR 26&#160;million in non-controlling interests), were more than offset by gains of EUR 270&#160;million resulting primarily from the divestments of stakes in Brazil and Openbank in 'Other gains (losses) and provisions'.</span></div></div></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Section Disclosure<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;doctype=Standard&amp;dita_xref=IFRS08_g20-24_TI<br> -URIDate 2025-03-27<br></p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Related parties<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RelatedPartyTransactionsAbstract', window );"><strong>Related party transactions [abstract]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfRelatedPartyExplanatory', window );">Related parties</a></td>
<td class="text">Related parties<div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The parties related to the Group are deemed to include, in addition to its associates and joint ventures, the Bank's key management personnel (the members of its board of directors and the senior management, 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-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following below is the balance sheet balances and amounts of the Group's income statement corresponding to operations with the parties related to it, distinguishing between associates and joint ventures, members of the Bank's board of directors, the Bank's senior management, 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 recognized.</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:33.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.198%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Associates and&#160;joint ventures</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Members of the board of directors</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">295</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cash, cash balances at central banks and other deposits on demand</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances: credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">286&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances: customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,835&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">274&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">208&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,978</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">376</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial liabilities: credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial liabilities: customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,761&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">376&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Marketable debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">191&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Income statement</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,724</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">441&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest expense</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(119)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gains/losses on financial assets and liabilities and others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(53)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Commission income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,546&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Commission expense</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(91)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,732</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">189</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial guarantees granted and Others</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">61&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loan commitments and Other commitments granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">335&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivative financial instruments</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,386&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">90&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:33.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.198%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Associates and&#160;joint ventures</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Members of the board of directors</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Senior Management</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other related parties</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 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:105%">Assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,783</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">226</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cash, cash balances at central banks and other deposits on demand</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">163&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances: credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">407&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances: customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,750&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">221&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">229&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">234&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,243</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">292</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial liabilities: credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">228&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial liabilities: customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,810&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">292&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Marketable debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">205&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Income statement</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,776</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest expense</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(153)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gains/losses on financial assets and liabilities and others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Commission income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,535&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Commission expense</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(103)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,712</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">216</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial guarantees granted and Others</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loan commitments and Other commitments granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">317&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivative financial instruments</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,377&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">132&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:33.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.198%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Associates and&#160;joint ventures</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Members of the board of directors</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Senior Management</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other related parties</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 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:105%">Assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,497</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">186</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cash, cash balances at central banks and other deposits on demand</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">154&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances: credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances: customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,275&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">185&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">391&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">272&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,480</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">150</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial liabilities: credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">463&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial liabilities: customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,727&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Marketable debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">290&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Income statement</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,698</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">427&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest expense</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(149)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gains/losses on financial assets and liabilities and others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Commission income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,499&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Commission expense</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(122)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,189</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,094</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial guarantees granted and Others</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">861&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loan commitments and Other commitments granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">274&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivative financial instruments</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,905&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">224&#160;</span></td><td style="border-bottom:0.5pt solid 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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Risk management<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RiskManagementAbstract', window );"><strong>Risk Management [Abstract]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialRiskManagementExplanatory', window );">Risk management</a></td>
<td class="text">Risk management<div style="margin-bottom:6pt;margin-top:9pt"><span id="i36396c5466634785a71f37cdc8e94645"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">a) Risk principles and culture</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:130%">The principles on which Grupo Santander's risk management and control are based are detailed below. They take into account regulatory requirements, best market practices and are mandatory:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">1.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:4.44pt">All employees are responsible for risk management</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">. They must understand the risks arising from their activities and take ownership for managing them.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">2.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:4.44pt">Senior management involvement.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> Through conduct, actions and communications, senior management promotes consistent risk management, fosters our risk culture, and oversees that the risk profile remains within the appetite set.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">3.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:4.44pt">Independence:</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> Risk management and control functions operate independently according to our three-lines-of-defence model, with clearly defined roles and responsibilities.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">4.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:4.44pt">Holistic, forward-looking approach: </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">We take a comprehensive approach to risk management and control that extends to all businesses and risk types that could have a material impact. This approach is forward-looking and considers trends across several time horizons and scenarios.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">5.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:4.44pt">Corporate oversight of subsidiaries: </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Banco Santander sets minimum risk management and control standards through reference documents. Subsidiaries are responsible for translating these standards into their own internal policies and procedures.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i6aa0e996fc8a4c11b89643a359af06f1"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">1. Key risk types</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander's risks categorization allows effective risk management, control and reporting, and includes, among others the following risk types:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Credit risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> is the risk of loss arising from the failure of a customer or counterparty to meet its obligations to which the Santander Group has provided financing or entered into a contractual commitment, or from the deterioration of their credit quality.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Market risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> is the risk incurred as a result of the effect of changes in market factors interest rates, exchange rates, equities and commodities, among others, may have on profits or capital.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Liquidity risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> is the risk incurred because of adverse movements in the factors that determine the market value of financial instruments, such as interest rates, exchange rates, equity prices and commodities, among others.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Structural Risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> is the risk of changes in the value or margin generation of the assets or liabilities in the banking book resulting from changes in market and behavioural factors. It also includes risks associated with insurance and pension activities, as well as the risk of not having an adequate amount or quality of capital to meet internal business objectives, regulatory requirements, or market expectations.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Capital risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, included within the scope of structural risk, is the risk that arises from the possibility of having an inadequate quantity or quality of capital to meet internal business objectives, regulatory requirements or market expectations.</span></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander also takes into account, on an ongoing basis in its risk management, operational (includes fraud, technological, cyber, legal and conduct risks), financial crime (includes, among others, money laundering, terrorism financing, violation of international sanctions, corruption, bribery and tax evasion), model, reputational and strategic risks.</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:130%">These risks may be affected by a range of factors that we identify and assess in line with regulatory requirements and industry practice, including: geopolitical developments (international conflicts, economic and monetary decisions, new regulations or trade tensions); digital and transformation initiatives linked to technological change or shifts in business models; and sustainability factors &#8212; environmental (natural and climate-related, including extreme events and resource scarcity, as well as those arising from the transition to a more sustainable economy), social (relating to people&#8217;s rights, welfare and interests) and governance, both within Grupo Santander and among our counterparties.</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:130%">In particular, from an environmental and climate perspective, the relevant elements cover, on the one hand, those stemming from the physical effects of climate change and, on the other, those linked to the transition towards a more sustainable economy, including legislative and regulatory, technological or behavioural changes among economic agents.</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:130%">Given the nature of its operations, the Group has no environment-related liabilities, expenses, assets or contingencies that may be material to its consolidated equity, financial situation and results.</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:130%">According to market consensus and our materiality assessment, exposure in the sectors where environmental factors may have the most impact mainly relate to wholesale customers. Our management of these customers considers environmental aspects in the preliminary assessment, credit origination and the preparation and review of their credit ratings, which influence the parameters we use to calculate their probability of default (PD). Thus, we embed the most material climate factors in our assessments and in capital loss and provisions calculations.</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:130%">Moreover, to cover and anticipate potential future losses from severe climate events, such as the Valencia DANA or Hurricane Milton in Florida, we have set overlays whose amount to date has not been material to the Group's total loan loss reserves.</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:130%">Grupo Santander has enhanced its methodological framework to quantify and assess transition and physical risks in credit losses for climate impacts that are not specifically captured through the forward-looking component implemented under the IFRS 9 framework. We assess these risks under several scenarios published by the NGFS, which explore varying assumptions on shifts in climate policies, emissions, temperatures and physical risk impacts. We take a proportionality approach by assessing the impact on the Group&#8217;s core markets and portfolios, especially non-financial entities and mortgage products.</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:130%">Regarding impact on companies&#8217; credit quality, the model assesses the transmission of customers&#8217; physical and transition climate risk through defined channels (sector GVA, GHG emissions, carbon price, regional GDP, or collateral valuations).</span></div></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:130%">For mortgage products, climate risk appears mainly through a deterioration in collateral values, as reflected in the loan-to-value ratio, which is the main transmission channel into LGD.</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:130%">These methodologies enable us to embed potential climate-event impacts on credit losses in credit risk management. Against this backdrop, we carried out both internal capital self-assessment exercises and regulatory stress tests.</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:130%">In light of the above and based on the best information available at the date of these consolidated annual financial statements, we also assessed the potential additional impact of climate and environmental risks on the Group&#8217;s equity, financial situation and results in 2025. We did not identify any significant or material impacts.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ifd90ac4ea8ad4ff198eaef3f702f39ad"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">2. Risk and compliance governance</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:130%">Grupo Santander robust risk and compliance governance structure allows us to conduct effective oversight in line with our risk appetite. It stands on three lines of defence, a structure of committees and strong Group-subsidiary relations, guided by our risk culture, Risk Pro.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i8e80995fea564f86ba6f14926c5b44d8"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">2.1 Lines of defence</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:130%">Grupo Santander model of three lines of defence effectively manages and controls risks:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">First line</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">: formed business functions, as well as all other functions that generate risk, constitute the first line of defence. They must establish an appropriate environment to manage all risks associated with the business and support compliance with internal policies and regulation. Risk management must operate within the approved risk appetite and associated limits. The first line executes mitigation plans for risks where weaknesses are identified in its control environment.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Second line: </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">formed by the risk and compliance functions, independently oversees and challenges the risk management activities that the first line carries out. Its role is to help verify that we manage risks in line with the established risk appetite and to promote a strong risk culture across the organization.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Third line:</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> formed by Internal Audit is a permanent function, independent of any other functions or units, whose objective is to provide the Management Body and the senior management with independent assurance on the quality and effectiveness of internal control, risk management (current or emerging) and governance processes and systems, thereby helping to protect the company&#8217;s value, solvency, and reputation. </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:130%">Risk, Compliance and Internal Audit are sufficiently separate and autonomous functions, with direct access to the board and its committees. The risk and compliance functions report to the risk supervision, regulation and compliance committee and the internal audit function reports to the audit committee.</span></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span id="i027908e8446c4136afd687a36b6895b2"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">2.2 Risk committee structure</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:130%">The</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"> board of directors </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">has final oversight of risk and compliance management and control to promote a sound risk culture and review and approve risk appetite and frameworks, with support from its risk, regulation and compliance committee (RSRCC) and its executive committee. The Group's risk governance keeps risk control and risk-taking areas separate.</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:130%">Our governance structure also includes key roles and executive committees that strengthen oversight and support the effective performance of the control function.</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:130%">The </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Group chief risk officer (CRO)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, who </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">leads the application and execution of </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">risk strategy and promotes proper risk culture, is in charge of overseeing all risks and challenging and advising business lines on risk management.</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:130%">The </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">Group chief compliance officer (CCO)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%">leads the application and execution of</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> the compliance and conduct risk strategy and reports the status of risks being monitored in order to provide the Chief Risk Officer with a comprehensive view of all risks. </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:130%">The CRO and the CCO report directly to both the risk supervision, regulation and compliance committee and the board of directors.</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:130%">The executive risk, risk control and compliance and conduct committees are executive committees with powers delegated from the board.</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:130%">Furthermore, the executive-level committees delegate part of their responsibilities to forums and/or standing meetings to manage and control each risk type.</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:130%">Their responsibilities include: </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Inform the CRO, the CCO, the risk control committee and the compliance and conduct committee if risks are being managed within risk appetite;</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Conduct regular follow-ups for each key risk type; and</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Overseeing the measures adopted to meet supervisor's and auditor's expectations.</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:130%">Besides, Grupo Santander, in order to establish an adequate control environment for the management of each risk types, the risk and compliance functions have effective internal regulation to create the right environment to manage and control all risks.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander may introduce additional governance measures for special situations to reinforce the monitoring of all risks, with particular focus on trends in key macroeconomic indicators and liquidity, the identification of vulnerable sectors/customers, and the strengthening of cybersecurity, among other aspects. Activating these special-situations forums helps the Group address the effects of the geopolitical and macroeconomic environment with resilience.</span></div></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i1a9f6f6c616b4d0bb3c93691f8120cb3"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">2.3 The Group's relationship with subsidiaries</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:130%">Grupo Santander subsidiaries&#8217; risk and compliance management and control model is consistent with the frameworks approved by the Group board of directors. Subsidiaries adhere to the frameworks through their own boards and can only adapt to higher standards according to local law and regulation.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As part of Santander's aggregated risk oversight, we challenge and review subsidiaries&#8217; internal regulations and activities. This enables us to maintain a common risk management and control model across the Group.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The risk and compliance functions support the businesses and oversee risks at both global and local levels. In addition, over the year we continued to strengthen the Group&#8211;subsidiary relationship model, leveraging our global scale to identify synergies under a common operating model and shared platforms. The model promotes process simplification and the reinforcement of control mechanisms to support the growth of our businesses.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Santander's Group&#8211;subsidiary governance model (GSGM) sets out the principles that govern the relationship between Group key roles and the subsidiaries, which helps safeguard the independence of local second lines. The CRO and CCO take part in the appointment, objectives, performance reviews and remuneration of their local counterparts, which helps confirm that they are controlling risks appropriately.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">We continue to strengthen the relationship between the Group and its subsidiaries through close cooperation among our subsidiaries to develop common initiatives more efficiently, such as:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Transformation of organizational structures, sharing benchmarks across countries and contributing to the function&#8217;s strategic vision to promote the rollout of more advanced risk-management infrastructures and practices.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Exchange of best practices to strengthen processes and drive innovation. </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Promotion of internal talent and mobility, both geographic and functional, as well as fostering diversity within teams to reflect the diversity of the environments in which we operate.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Developing our risk professionals, improving innovation, the quality of decisions, and fostering a global mindset is key to enhance organizational resilience and reinforcing a global mindset.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The GSGM model also applies to the Group&#8217;s global businesses. This gives us a global-local organization in which countries ultimately remain responsible for delivering the budget, the business and customer strategy, and financial management, while the global businesses lead shared initiatives through common operating models and shared technologies, improving local performance.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="iac199c2b64994ce38dc612b3e57cfab5"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">3. Management processes and tools</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander has these effective risk management processes and tools:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="icd4c3d35dae349b688a271f8c8bd3668"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">3.1 Risk appetite and structure of limits</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Risk appetite is the aggregate level and types of risk that Grupo Santander deems prudent for our business strategy, even in unforeseen circumstances. Risk appetite is governed throughout the Group by the following principles:</span></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Risk appetite is part of the board's duties</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">. The board prepares the risk appetite statement (RAS) for the whole Group every year. Through a cascading-down process, each subsidiary's board also sets its own risk appetite.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Comprehensiveness and forward-looking approach</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">. Our appetite includes all material risks to which we are exposed and defines our target risk profile for the current and medium term, with a forward-looking view that considers stress scenarios. </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Common standards embedded in the day-to-day risk management</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">. The Group shares the same risk appetite model, which sets common requirements for processes, metrics, governance bodies, controls and standards. This facilitates effective and traceable embedding of risk appetite into more granular management policies and limits across our subsidiaries..</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Continuous monitoring and adaptation</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">. Risk appetite is regularly monitored, reviewed and updated to reflect changes in market conditions, regulatory requirements and supervisory expectations. Compliance with risk appetite limits is monitored on a regular basis through dedicated reporting to senior management and the board and its committees. Breaches or potential breaches are subject to predefined escalation, remediation and follow-up processes, with oversight proportionate to their materiality through senior management and the Group&#8217;s governing bodies.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Alignment with strategy and business plans</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">. Before approving the three-year strategic plans, annual budget, and capital and liquidity plans, the Group verifies their consistency with the limits set in the Risk Appetite Statement. We promote the alignment of strategic and business plans with our risk appetite by:</span></div><div style="margin-bottom:6pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">considering the risk appetite, long-term strategic view and the risk culture when drafting strategic and business plans. </span></div><div style="margin-bottom:6pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">challenging business and strategic plans against the risk appetite. Misalignments trigger a review of either the three-year strategic plan (to make sure we stay within RAS limits) or risk appetite limits, with independent governance. </span></div><div style="margin-bottom:6pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">continuous monitoring of risk appetite compliance through the three lines of defence model.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The main elements underpinning Grupo Santander&#8217;s risk appetite and defining our business model are:  </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">a medium-low, predictable target risk profile, customer focus, internationally diversified operations and a </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">significant</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> market share;</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">stable, recurrent earnings and shareholder remuneration, sustained by a sound base of capital, liquidity and sources of funding;</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">autonomous subsidiaries that are self-sufficient in terms of capital and liquidity to safeguard their risk profiles against compromising the Group&#8217;s profile;</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">an independent risk function and a senior management actively engaged in supporting a robust control environment and risk culture; and </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">a conduct model that protects our customers and our Simple, Personal and Fair culture. </span></div></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The risk appetite is expressed through qualitative statements and limits on metrics representative of the bank&#8217;s risk profile at present and under stress. Those metrics cover all risk types according to our corporate risk framework. Grupo Santander articulates them in five axes that provide the Bank with a holistic view of all risks it incurs in the development of its business model. These five axes are applicable to all Santander's key risk types, and comprise:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">P&amp;L volatility: control of P&amp;L volatility of business plan under baseline and stressed conditions (under normal and stressed conditions).</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Solvency: control of capital ratios under baseline and stressed scenarios (aligned with ICAAP).</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Liquidity: control of liquidity ratios under base and stress scenarios (aligned with ILAAP).</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Concentration: control of credit concentration on top clients, portfolios and industries.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Non financial risk and control environment: robust control on non financial risks aimed to minimize events which could lead to financial loss, operative, technological, legal and regulatory breaches, conduct issues or reputational damage.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="id766f938a14f4270b9068f26db32501a"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">b) Credit risk</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4fdb90cfbf3f443c98ea211c1c932050"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">1. Introduction to the credit risk treatment</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander takes a holistic view of the credit risk cycle, including the transaction, the customer and the portfolio, in order to identify, analyse, control and decide on credit risk. </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Credit risk identification facilitates active and effective portfolio management and control. Grupo Santander identify and classify external and internal risk in each business to adopt any corrective or mitigating measures through:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="iaa71911e3bec4f028d6a22af53387191"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">1.1. Planning</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Planning allows to set business objectives and define concrete action plans, integrating the risk appetite statement into portfolio management.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Strategic commercial plans (SCPs) are the management and control tool that the Business and Risk areas define for credit portfolios, with support from the other functions involved (Finance, Management Control, among others). They set out the commercial strategy, risk policies, and the resources and infrastructure required, providing a holistic view of portfolio management. </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">They also provide an up-to-date view of portfolio credit quality, enable risk measurement, support the execution of internal controls over the defined strategy, allow for periodic monitoring, and help detect material deviations or potential impacts, facilitating the adoption of corrective measures when necessary. </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">SCPs are aligned with subsidiaries&#8217; risk appetite and capital objectives, as well as those of the Group, and are approved and overseen by local senior management before being reviewed and ratified at Group level. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="iffbad9af171b488abb49a4e3ba8500bd"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">1.2. Risk assessment and credit rating</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Credit risk approval criteria focus on borrowers&#8217; ability to meet their financial obligations. The assessment uses statistical models and an analysis of the net funds or cash flows generated by economic activity, or of regular income, to determine customers&#8217; repayment capacity in a consistent and sustainable manner.</span></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Some statistical credit quality assessment models feed into decision engines to deliver a credit risk assessment quickly and in a consistent, standardised way. These engines support faster and more uniform decision-making, reduce manual errors, apply the same assessment criteria to all customers, and provide traceability and support regulatory compliance. These ratings have multiple uses in risk management, including the origination process (application of limits and pre-approvals), risk monitoring, and as an input to transaction pricing.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">These credit rating models may be: </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Rating: from mathematical algorithms that have a quantitative model based on balance sheet ratios or macroeconomic variables or behavioural information, and a qualitative module supplemented by the credit analyst&#8217;s expert judgement. It is used for large corporates, corporates, institutional and SME segments (with individualised treatment).</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Scoring: an automated system that assesses credit applications based on the information provided (admission scoring) or customers&#8217; credit profiles based on their relationship with the institution (behavioural scoring). Both are complemented by other available information (for example, from external databases). The system automatically assigns each customer an individual score, which then supports the subsequent decision. It is used for individuals and small businesses with no assigned analyst.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The Group&#8217;s parameter estimation models rely on econometric models built on historical default and loss data from the portfolios. The Group uses them to calculate economic and regulatory capital, and IFRS 9 provisions, at operation, customer and portfolio level.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">A rigorous governance framework covers the ongoing monitoring and continuous calibration of these models to assess their suitability, predictive power, performance and granularity, as well as compliance with credit policies.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, the Group reviews ratings using the latest available financial information and other relevant data.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander&#180;s limits, pre-classifications and pre-approvals processes determine the level of risk the Group can take on with each customer. Automated processes approve and monitor these decisions. Approved limits must align with expected profitability. To support this, we use profitability estimation and risk-based pricing tools that contribute to sustainable portfolio growth.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander applies various limits models to each segment: </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Large corporate groups are subject to a pre-classification model based on a system for measuring and monitoring economic capital. Pre-classification models express the level of risk Grupo Santander is willing to assume in transactions with customers/groups.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In the corporate segment, for customers that meet certain predefined criteria (including internal rating and profitability), the Group applies a pre-classification model for the main products related to the customer&#8217;s recurring business. The model operates through the setting of internal nominal limits, which define the level of risk to take on with each customer based, among other factors, on their repayment capacity and leverage.</span></div><div style="margin-bottom:6pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Corporate transactions that exceed certain limits or have specific features must be handled through the approval process for an ad hoc proposal.</span></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">For individual customers and SMEs with low turnover, Grupo Santander manages large volumes of credit transactions using automated decision models that assess each case and assign a limit per customer and transaction.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i98b2a4da58cd469cbc04c81f14d69c87"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">1.3. Scenario analysis</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander&#180;s scenario analyses determine the potential risks in its credit portfolios and provide a better understanding of our portfolios' performance under various macroeconomic conditions. They allow us to anticipate management strategies that will avoid future deviations from defined plans and targets. </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">They simulate the impact of alternative scenarios in portfolios&#8217; credit parameters (PD, LGD) and expected credit losses. Grupo Santander compares findings with portfolios&#8217; credit profile indicators to find the right measures for managers to take. Credit risk management of portfolios and SCPs incorporate scenario analyses.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="id82425119f31462ebca2bf35d156a3e7"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">1.4. Monitoring</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Regular, holistic monitoring of customers and portfolios is an essential element of the Group&#8217;s credit risk management, as it enables continuous monitoring of credit quality, early identification of potential impairment and analysis of business performance against predefined plans and objectives. </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The monitoring process systematically analyses changes in credit exposures, customers&#8217; financial and qualitative characteristics, and any relevant changes in their risk classification. This preventive approach draws on transactional information, behavioural indicators and advanced analytics tools, including early-warning engines, which support early identification of potential deterioration and the implementation of specific actions at both customer and portfolio level, based on the assigned monitoring level. </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Monitoring adapts to customer segmentation and the applicable management approach:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">in the large corporate segment, monitoring is carried out jointly by the commercial managers and the risk analysts, which provides an up-to-date, comprehensive view of the customer&#8217;s credit quality at all times and supports the early identification of any potential deterioration.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In the commercial banking, institutions and SMEs with an assigned a credit analyst, he teams carry out enhanced monitoring of customers whose risk profile or specific circumstances require it. This includes the periodic review of their internal ratings based on relevant financial, behavioural and environmental indicators.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Monitoring of individual customers, businesses and smaller SMEs follows a system of automatic alerts to detect shifts in portfolios&#8217; performance.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The Group structures this process for customers with an assigned analyst through the SCAN (Santander Customer Assessment Note) monitoring framework. SCAN assigns a specific monitoring level to each customer, sets the related operating policies, defines concrete management actions, identifies accountable owners and establishes a review frequency aligned with the customer&#8217;s risk profile and relevance.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, the Group has aggregated control and analysis procedures that track portfolio performance, identify material deviations from strategic plans or defined alert thresholds, and help prioritise management focus areas. The process is complemented by contingency plans (risk playbooks), which support the early identification and management of impacts from external factors &#8212; such as macroeconomic, sector or market changes &#8212; and, where appropriate, trigger corrective measures, including adjustments to risk policies.</span></div><div style="margin-bottom:1pt;margin-top:9pt"><span id="i113084d14689436889f8b001443c9f7c"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">1.5.&#160;Credit risk mitigation techniques</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Risk approval criteria generally focus on borrowers&#8217; ability to meet their financial obligations, without prejudice to any collateral that the Bank may require. Collateral and guarantees provided by the obligor in favour of the Bank aim to modulate the level of exposure.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">To determine ability to pay, the Group analyses funds or cash flows from businesses or other regular income, not including guarantors or loan collateral which are always considered at credit approval as a secondary means of recourse.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">A guarantee is an additional protection mechanism in a credit transaction, intended to mitigate loss in the event of a failure to meet the payment obligation. The Group applies different credit risk mitigation techniques depending, among other factors, on the customer and product type. Some are specific to an individual transaction (e.g., real estate guarantees), while others apply to a set of transactions (e.g., derivatives netting or collateral arrangements). These techniques may be grouped into personal guarantees, real guarantees and hedges using credit derivatives.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The correct acceptance of these mitigation techniques is established by verifying their legal enforceability in all jurisdictions. The entire process is subject to internal control and effective monitoring of the valuation of the guarantees, especially real estate guarantees.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%"> </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i948ee16805434bda86d8d70395f5057c"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">1.6.&#160;Collections &amp; recoveries management</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Recovery activity is a relevant function within Grupo Santander&#8217;s risk management and control framework, as it contributes to portfolio quality as one of the key pillars supporting the Bank&#8217;s development, growth and business sustainability. Collections and debt recovery management is a specific, ongoing focus to keep portfolio quality within the expected levels.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The Collections and Recoveries area defines a global management strategy, based on an end-to-end approach and general lines of action for subsidiaries. Recovery management operates under policies and an independent control environment defined by the risk function, aligned with regulatory requirements and with the Group Santander conduct risk management model. The Group carries out this activity in line with strategies defined by the recovery function, in coordination with the Risk areas. </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The recovery strategy combines advanced customer segmentation and the intensive use of digital tools. This supports the optimisation of mass portfolio management and provides tailored support for customers who require individual treatment. The customer remains the focus, and recovery strategies are defined in the context of the relationship with the customer, prioritising the customer&#8217;s viability. As a result, teams manage the customer holistically across all phases of the cycle.</span></div></div></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:130%">The function&#8217;s approach covers the entire credit cycle, prioritising solutions that support customer viability. Even after the asset is written off (failed risk), the Group continues to carry out the necessary actions to maximise recovery. The failed risk category includes debt instruments, whether past due or not, for which, following an individual assessment, recovery is considered remote due to a significant and irreversible deterioration in the solvency of the exposure or the holder. Classification in this category entails the full or partial cancellation of the exposure&#8217;s gross carrying amount and its derecognition from the balance sheet, without implying that the Group stops negotiations and legal proceedings to recover the amount. </span></div><div style="margin-bottom:3pt;margin-top:9pt;padding-right:263.62pt"><span id="i284cd3ed0ae54e2589274ec993d73c15_15110"></span><span id="i0d5e3a72bdc34bc19426843ac2a135f2"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">2. Main aggregates and variations </span></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Below are the main aggregates relating to credit risk from our activities with customers:</span></div><div style="margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:18.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.649%"></td><td style="width:0.1%"></td></tr><tr><td colspan="36" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Main credit risk performance metrics from activity with customers</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">A</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit risk with customers <br/>(EUR million)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit impaired</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(EUR million)</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">NPL ratio </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(%)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">305,156</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">288,162</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">280,629</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,915</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">7,677</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">8,531</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.94</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.66</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.04</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">UK</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">244,303</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">248,061</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">247,360</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,645</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">3,299</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">3,518</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.08</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.33</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.42</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Portugal</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,760</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">44,573</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">42,455</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">948</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,014</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,024</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.99</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.27</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.41</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Openbank Europe</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">144,039</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">141,312</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">135,608</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,642</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">3,527</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2,877</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.53</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.50</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.12</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">148,488</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">149,907</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">137,894</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,150</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">7,012</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">6,303</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.82</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.68</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.57</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexico</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,476</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">49,927</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">52,785</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,420</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,352</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,489</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.65</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.71</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.82</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazil</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">118,546</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">116,247</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">126,722</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,010</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">7,090</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">7,923</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.76</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.10</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.25</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chile</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,146</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">44,590</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">46,565</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,528</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2,394</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2,332</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.73</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.37</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.01</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentina</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,813</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">8,411</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">3,903</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">677</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">173</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">78</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.68</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.06</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.99</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporate Centre</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9,340</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9,256</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">8,206</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">327</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">360</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">302</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.50</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.89</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.67</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,159,180</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,134,418</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,115,288</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">33,739</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">34,383</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">34,671</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2.91</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.03</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.11</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr></table></div><div style="text-indent:10.91pt"><span><br/></span></div><div style="margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"></td><td style="width:18.632%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.653%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.541%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.653%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.541%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.662%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">NPL coverage&#160;ratio </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(%) </span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><br/>(EUR million)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Cost&#160;of&#160;risk <br/>(%/risk)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">49</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,142</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1,259</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">1,522</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.43</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0.50</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0.61</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">UK</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">64</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">247</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.07</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.03</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.10</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Portugal</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">78</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">83</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">11</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">77</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.02)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.03</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.19</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Openbank Europe</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">83</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">88</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,363</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,209</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">792</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.97</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.88</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.62</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">64</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">68</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,244</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2,507</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2,593</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.62</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.82</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.92</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexico</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">105</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,239</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,277</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,135</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.69</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.64</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.43</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazil</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">79</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">83</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,409</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">4,487</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">4,701</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.17</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.03</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.27</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">53</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">531</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">497</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">365</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.32</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.19</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.80</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentina</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">90</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">177</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">166</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">574</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">284</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">150</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.34</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.59</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.64</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporate Centre</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">24</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">25</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">34</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">198</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(3)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(2)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2.79</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(0.05)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(0.04)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">66</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">64</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">66</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,128</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,822</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,784</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1.14</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1.12</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1.13</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr></table></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. Data for 2025, 2024 and 2023 reflect the new reporting structure. Management perimeter according to the reported segments.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Includes gross loans and advances to customers, guarantees. impaired undrawn customer balances and debt securities issued by non-financial institutions.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C. Loan-loss provisions net of post write-off recoveries (EUR 1,791&#160;million in 2025).</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D. Provisions to cover losses due to impairment of loans in the last 12 months / average customer loans and advances of the last 12 months.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt"><span id="ide68f831fdee49e3a7eab1e410904c37"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Information on the estimation of impairment losses</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:130%">The calculation of provisions for credit risk losses is performed at financial asset level, estimating potential credit losses through the difference between the contractual cash flows and the expected cash flows, ensuring that the results are adequate considering the status of the transaction, economic conditions and available forward-looking information.</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:130%">The IFRS 9 impairment model applies to financial assets valued at amortized cost; debt instruments valued at fair value with changes in other comprehensive income; leasing receivables; and commitments and guarantees not valued at fair value. </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:130%">The portfolio of financial instruments subject to IFRS 9 has three credit risk categories (or stages) according to the status of each instrument in relation to its level of credit risk:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Stage 1: financial instruments with no significant increase in risk since initial recognition &#8211; the impairment provision reflects expected credit losses from defaults over the 12 months from the reporting date.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Stage 2: financial instruments with a significant credit risk increase since initial recognition but no materialized impairment event &#8211; the impairment provision reflects expected losses from defaults over the financial instrument&#8217;s residual life.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Stage 3: financial instruments with true signs of impairment as a result of one or more events resulting in a loss &#8211; the impairment provision reflects expected losses for credit risk over the instrument&#8217;s expected residual life.</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:130%">The classification of financial instrument in the IFRS 9 stages is carried out in accordance with the guidelines through the risk management policies of the subsidiaries, which are consistent with the Group's policies.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i284cd3ed0ae54e2589274ec993d73c15_15027"></span><span id="i014605f5baa74f9f92a301850479cca7"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Estimation of expected loss</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:130%">The Group uses parameters (mainly EAD, PD, LGD and the discount rate) to calculate impairment provisions. These parameters build on the infrastructure of internal models used to calculate regulatory capital and on regulatory and management expertise, and they also reflect each financial asset&#8217;s stage classification.</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:130%">However, these parameters are not a simple adaptation of existing models. We designed and validated them specifically in line with IFRS 9 requirements and guidance from bodies such as the EBA, , National Competent Authority (NCA), Bank for International Settlements (BIS) or Global Public Policy Committee (GPPC). Their development incorporates forward-looking information, a point-in-time (PIT) approach, multiple scenarios and lifetime loss estimation through lifetime PD, among other elements.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ide68c6fd0f4644508a90fc733f6dc5a9"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Determination of significant increase in credit risk (SICR)</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:130%">To determine classification in Stage 2, the Group assesses whether a SICR has occurred since the initial recognition of the exposures. The Group performs this assessment under common principles applicable across the Group, reviewing all financial instruments subject to this analysis and taking into account the specific features of each portfolio and product type through a range of quantitative and qualitative indicators.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Expert judgement from analysts supports the SICR assessment. Analysts set the thresholds within an integrated management framework and in line with the approved corporate governance. The principles are as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Universality: all financial instruments subject to a credit rating must be assessed for their possible SICR.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Proportionality: the definition of the SICR must take into account the particularities of each portfolio.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Materiality: its implementation must be also consistent with the relevance of each portfolio so as not to incur in unnecessary costs or efforts.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Holistic vision: the approach selected must be a combination of the most relevant credit risk aspects (e.g. quantitative and qualitative).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Application of IFRS 9: the approach must take into consideration IFRS 9 characteristics, focusing on a comparison with credit risk at initial recognition, as well as considering forward-looking information.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Risk management integration: the criteria must be consistent with those metrics considered in the day-to-day risk management.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Documentation: appropriate documentation must be prepared.</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:130%">The techniques are summarised below:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Stability of stage 2: in the absence of significant changes in the portfolios credit quality, the volume of assets in stage 2 should maintain a certain stability as a whole.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Economic reasonableness: at transaction level, stage 2 is expected to be a transitional rating for exposures that could eventually move to a deteriorating credit status at some point or stage 3, as well as for exposures that have suffered credit deterioration and whose credit quality is improving and returns to stage 1.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Predictive power: it is expected that the SICR definition avoids, as far as possible, direct migrations from stage 1 to stage 3 without having been previously classified in stage 2.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Time in stage 2: it is expected that the exposures do not remain categorized as stage 2 for an excessive time.</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:130%">The application of the aforementioned techniques, conclude in the setting of one or several thresholds for each portfolio in each geography. Likewise, these thresholds are subject to a regular review by means of calibration tests, which may entail updating the thresholds types or their values.</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:130%">Identifying a significant increase in credit risk: when classifying financial instruments under stage 2, Santander considers:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Quantitative criteria: Grupo Santander reviews and quantifies changes in the risk of default during their expected life based on their credit risk level on initial recognition.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For the purposes of assessing significant changes when financial instruments are classified in Stage 2, each subsidiary has set quantitative thresholds for its portfolios in line with Group guidelines, seeking a consistent interpretation across all our geographies. The calibration principles for these thresholds are set out in the previous paragraph and may result in two types of thresholds:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Relative. Thresholds that compare current credit quality with credit quality at origination, expressed as a percentage change.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Absolute. Thresholds that compare current credit quality with credit quality at origination, expressed as an absolute change.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, in line with the ECB&#8217;s supervisory expectations, the Group has set a 200% cap on the relative threshold, known as the 'threefold increase'. As a result, exposures whose credit quality has deteriorated by more than 200% in relative terms &#8212;using an approach analogous to the relative threshold described in the previous paragraph &#8212; transfer from Stage 1 to Stage 2.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Meeting any of the absolute thresholds, the relative thresholds or the 200% cap on the relative threshold (threefold increase) on an individual basis results in the transfer of the financial instrument exposure from Stage 1 to Stage 2.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, the Group may apply the Low Credit Risk Exemption at the reporting date, so that certain exposures that continue to meet this condition may remain in Stage 1. This exemption applies only to quantitative significant increase in credit risk criteria; therefore, qualitative criteria are not eligible for exemption. The Group uses it on a limited basis, documents it and reviews it periodically. When an exposure no longer meets the low credit risk condition, it transfers to Stage 2 in line with the criteria above.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Qualitative criteria: several indicators aligned with ordinary credit risk management indicators (e.g. past due for over 30 days, forbearance, early warning indicators system, etc.). Each subsidiary has defined these indicators for their portfolios, with special attention to reinforcing these qualitative criteria through expert judgment and aligning them to the criteria used in management.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">When the presumption of a significant deterioration of credit risk is removed, due to a sufficient improvement of the credit quality, the obligor can be re-classified to stage 1, without any probationary period in stage 2.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Definition of default: Santander incorporated the new definition to provisions calculation according to the EBA&#8217;s guidelines; the Group is also considering applying it to prudential framework. In addition, the default definition and stage 3 have been aligned.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This definition considers the following criteria to classify exposures as stage 3: financial instruments with one or more payments more than 90 consecutive days past due, representing at least 1% of the client's total exposure or the identification of other criteria demonstrating, even in the absence of defaults, that it is unlikely that the counterparty is unlikely to meet all of its financial obligations.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander applies the default criteria to all exposures of the impaired client. Where an obligor belongs to a group, the default criteria may also be applied to all exposures of the group.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The default classification is maintained during the 3-month test period following the disappearance of all default indicators described above, and this period is extended to one year for forbearances that have been classified as default.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Expected life of financial instruments: Santander estimates the expected life of financial instruments according to their contractual terms (e.g. prepayments, duration, purchase options, etc.). </span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The contractual period (including extension options) is the maximum time frame for measuring the expected credit loss. If financial instruments have an undefined maturity period and undrawn amounts (e.g. credit cards), Santander estimates its expected life based on the total exposure period and effective management practices to mitigate exposure. </span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">1.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.44pt">Forward-looking vision</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:130%">Estimating expected credit losses (ECL)requires significant expert judgement and the incorporation of historical, current and forward-looking information. Expected loss estimates are therefore based on an unbiased, probability-weighted likelihood of up to five possible future scenarios that could affect the collection of contractual cash flows. These scenarios consider the time value of money, relevant information available on past events, current conditions and forecasts of the macroeconomic factors considered important in estimating this amount (e.g. GDP, house prices and the unemployment rate, among others). </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:130%">Santander uses forward-looking information in internal management and regulatory processes under several scenarios. The Group's guidelines and governance seek synergy and consistency between these different processes. </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:130%">2. Additional elements</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:130%">Additional elements will be required when necessary because they have not been captured under the two previous elements. This has included, among others, the analysis of sectors most affected if their impacts are not sufficiently captured by the macroeconomic scenarios. Also collective analysis techniques, when the potential impairment in a group of clients cannot be identified individually.</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:130%">With the elements indicated above, Grupo Santander has evaluated in each of the geographical areas the evolution of the credit quality of its customers, for the purposes of classifying them into stages and consequently calculating expected loss.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i1faed7f6ea3d465f8856efa57990369e"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Management overlays</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:130%">During 2025, the Group strengthened coverage across its portfolios by implementing overlays, mainly in Brazil, Chile and Mexico, where it increased the PMA buffer to anticipate the impact of the year&#8217;s model recalibrations, as well as other potential deviations.</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:130%">In addition, the Group gradually released the adjustments related to climate events, such as the Valencia dana experienced in late October 2024, in the case of Santander Spain and the Spanish DCB office.</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:130%">Overall, the amount of overlays at year-end 2025 remains immaterial compared with the Group&#8217;s total allowance for credit losses.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i124cacb87d414830832c0438899fca78"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Exposure and loan-loss reserves</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Then, considering the most relevant units of the Group (United Kingdom, Spain, United States, Brazil, also Chile, Mexico, Portugal, Argentina and Santander Consumer Finance), which represent approximately </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">94%</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> of the total Group's provisions. The table below shows the loan-loss reserves associated with each stage as of 31 December 2025, 2024 and 2023. In addition, depending on the transactions credit quality, the exposure is divided into four categories according to Standard &amp; Poor's rating scale:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"><tr><td style="width:1.0%"></td><td style="width:27.426%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.770%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</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></tr><tr><td colspan="3" style="border-top:0.6pt solid #ffffff;padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">112,795&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,243&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">115,038&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">367,186&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,393&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">381,579&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">291,014&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">44,363&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">335,376&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,114&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,114&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">31,275&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">56,503&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">779,109</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">78,112</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31,275</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">888,496</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-losses reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,068</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,698</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,177</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">20,942</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span><br/></span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"><tr><td style="width:1.0%"></td><td style="width:27.426%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.770%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">102,394&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,564&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">104,958&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">From A+ to BB</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">411,158&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">15,678&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">426,837&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">276,422&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">42,456&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">318,878&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,385&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,633&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">31,273&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">58,291&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">800,360</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">77,330</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31,273</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">908,963</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-losses reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,184</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,512</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,938</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">20,635</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%"> </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"><tr><td style="width:1.0%"></td><td style="width:27.426%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.770%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">140,792&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,237&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">143,029&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">404,184&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,746&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">417,930&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">250,619&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39,979&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">290,599&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,633&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,846&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">32,455&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">62,933&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">807,228</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">74,808</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">32,455</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">914,491</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-losses reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,463</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,883</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,404</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">21,750</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Detail of credit quality ratings calculated for Group management purposes. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.23pt">Total exposure includes loan balances (drawn amounts) and off balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.45pt">Includes provisions for undrawn authorized lines (loan commitments).</span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Data for 2025, 2024 and 2023 reflect the new reporting structure, mainly the disposal of Poland. &#160;&#160;&#160;&#160;</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The remaining units that form the totality of the Group exposure, account for EUR 93,731&#160;million: EUR 89,094&#160;million in stage 1; EUR 3,528&#160;million in stage 2; and EUR 1,109&#160;million in stage 3 (in 2024 EUR 80,541&#160;million in stage 1; EUR 2,534&#160;million in stage 2, and EUR 874&#160;million in stage 3. In 2023, EUR 68,788&#160;million in stage 1; EUR 1,504&#160;million in stage 2, and EUR 658&#160;million in stage 3), and </span></div></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">loan-loss reserves totalled EUR 759&#160;million, of which: EUR 213&#160;million in stage 1; EUR 152&#160;million for stage 2, and EUR 394&#160;million in stage 3 (in 2024, EUR 165&#160;million, EUR 117&#160;million and EUR 295&#160;million and in 2023, EUR 199&#160;million, EUR 73&#160;million and EUR 161&#160;million in stage 1, stage 2 and stage 3, respectively).</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The remaining exposure, including all financial instruments not included before, amounts to EUR 834,911&#160;million (EUR 665,476&#160;million in 2024 and EUR 598,385&#160;million in 2023), and it includes all undrawn authorized lines (loan commitments). </span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As of 31 December 2025, the Group had EUR 334&#160;million net of provisions (EUR 559&#160;million and EUR 743&#160;million at 31 December 2024 and 2023, respectively) of purchased credit-impaired assets, which relate mainly to the business combinations carried out by the Group.</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:130%">In relation to the evolution of credit risk provisions, the Group, together with its main geographies, monitors them through sensitivity analyses that assess the impact of changes in macroeconomic scenarios and their key variables on the allocation of financial assets across stages and on the measurement of credit risk provisions.</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:130%">Additionally, based on consistent macroeconomic scenarios, the Group also performs stress tests and sensitivity analysis in a regular basis, such as ICAAP, strategic plans, budgets and recovery and resolution plans. In this sense, a prospective view of the sensitivity of each of the Group&#8217;s loan portfolio is created in relation to the possible deviation from the base scenario, considering both the macroeconomic developments in different scenarios and the three year evolution of the business. These tests include potentially adverse and favourable scenarios.</span></div><div style="margin-bottom:3pt;margin-top:15pt"><span id="if8ed7eda2fb04893b26b8e950460b88b"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">3. Detail of the main geographical areas</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:130%">Following is the risk information related to the most relevant geographies in exposure and credit risk allowances.</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:130%">This information includes sensitivity analysis, consisting on simulations of +/-100 bp in the main macroeconomic variables. A set of specific and complete scenarios is used in each geography, where different shocks that affect both the reference macroeconomic variable as well as the rest of the parameters is simulated, with different intensities. These shocks collect mainly the most relevant risks and may be originated by productivity, tax, wages or exchange and interest rates factors.</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:130%">Sensitivity is measured as the average variation on expected loss corresponding to the aforementioned movement of +/-100 bp. Following a conservative approach, the negative movements take into account one additional standard deviation in order to reflect the potential higher variability of losses.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ib3feb763512a43a4b5b359be7895c507"></span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">3.1.&#160;United Kingdom</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="id2afca752a934154911ff0f739b38c75"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Portfolio overview</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Credit risk with customers in the UK remained stable in EUR 244,303&#160;million. This credit risk represents 21% of Santander&#8217;s loan portfolio.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 1.08%, the NPL ratio decreased 25 bps in comparison to the year end of 2024, due to the good performance in the mortgage portfolio.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i803c756134084ffc8140208078e535d3"></span><span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Mortgage portfolio</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Because of its size, Grupo Santander closely monitor Santander UK&#8217;s mortgage portfolio for the entity itself and the Group. </span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As of 31 December 2025, the mortgage portfolio of Santander UK remained stable, at local currency, and reached EUR 192,047&#160;million. It co</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">mprises residential mortgages granted to new and existing customers which are first lien mortgages. There are no second or more liens on mortgaged properties. </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:130%">Originations have increased in 2025 compared to 2024, a sign of a more active housing market due to lower interest rates and less pressure on households&#8217; purchasing power. The housing market returned to growth in 2025, with a higher level of transactions and price increases compared to 2024.  </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:130%">Under Santander's risk management principles, a property must be appraised independently before we can approve a new mortgage. In line with market practices and the law, we get updated values of properties used as mortgage collateral from an independent agency's automatic appraisal system.</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:130%">Santander UK's wide range of mortgages include:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Interest-only loans (21%): Customers pay interest every month and repay the principal at maturity. These mortgages, which are common in the UK, require borrowers to have an appropriate repayment vehicle, such as a pension plan or an investment fund. To mitigate inherent risk, Santander UK has restrictive approval requirements, such a maximum loan-to-value ratio of 50% and an assessment of the ability to pay both interest and capital.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Flexible loans (2%): Loan agreements allow borrowers to modify monthly payments or draw down additional funds up to a set limit under various conditions.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Buy-to-let (9%): Buy-to-let mortgages account for a small portion of the total portfolio and are subject to strict risk approval policies. </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:130%">Santander&#8217;s NPL ratio highlights the resilience of the mortgage portfolio in a challenging economic environment and an intensely competitive market. It stood at 0.87% at the end of December 2025 (-20 bps YoY).</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025, 82% of the mortgage portfolio had an LTV lower than 70%.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i7f0f1f133f9249cf9bd394fa6954833e"></span><span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Information on the estimation of impairment losses</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:130%">The detail of Santander's UK exposure and loan-loss reserves associated with each of the stages at 31 December 2025, 2024 and 2023, is shown below. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, the exposure is divided in four tranches of the Standard &amp; Poor's rating scale, according to their current credit quality:</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:30.998%"></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:15.875%"></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="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">29,963&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">381&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,344&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">152,981</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,529&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">162,510&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">17,630</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,770&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,400&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">615</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,475&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,092&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">200,576</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">19,295</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,475</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">222,346</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">163</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">319</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">373</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">855</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></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:99.782%"><tr><td style="width:1.0%"></td><td style="width:30.998%"></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:15.875%"></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="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">32,012&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,184&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">33,196&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">159,970</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">10,916</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">170,886&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,594&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,175&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28,769&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">695&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,292&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,999&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">209,588</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">23,970</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,292</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">236,850</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">166</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">401</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">400</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">967</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span><br/></span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:30.998%"></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:15.875%"></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="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">46,236&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,273&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">47,509&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">145,884</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">10,850</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">156,734&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,588&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,995&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,583&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,518&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,518&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">205,708</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">26,118</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,518</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">235,344</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">172</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">498</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">396</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,066</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Detail of credit quality ratings calculated for Group management purposes. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.23pt">Total exposure includes loan balances (drawn amounts) and off balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.45pt">Includes provisions for undrawn authorized lines (loan commitments).</span></div><div><span><br/></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:130%">For the estimation of expected losses, prospective information is taken into account. Specifically, Santander UK considers four macroeconomic scenarios, which are updated periodically. The evolution forecasted in 2025 for the next five years of the main macroeconomic indicators used by Santander UK to estimate expected losses is presented below:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"><tr><td style="width:1.0%"></td><td style="width:25.834%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:17.166%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.166%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.166%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.168%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2026 - 2030</span></div></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Variables</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Base scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Optimistic scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate</span></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.4</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.5</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.3</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.0</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Unemployment rate</span></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.3</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.8</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.5</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.2</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Housing price change</span></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.9</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.2</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.9</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.4</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">GDP growth</span></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.02</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.2</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.4</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.4</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Each of the macroeconomic scenarios is associated with a given weight. In terms of allocation, Santander UK associates the highest weighting to the base scenario, while it associates the lowest weightings to the most extreme or severe scenarios. In addition, at 31 December 2025, 2023 and 2022, the weights used by Santander UK reflect the future prospects of the British economy in relation to its current political and economic position so that higher weights are assigned for negative scenarios:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:47.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.183%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.183%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.186%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;3</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pessimistic scenario&#160;2</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pessimistic scenario&#160;1</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Base scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Optimistic scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></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:130%">The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios, as of December 2025, 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:99.474%"><tr><td style="width:1.0%"></td><td style="width:54.317%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.191%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.192%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change in Provision</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mortgages</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporates</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">GDP Growth</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11.6</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.9</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.9</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.4</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Housing price change</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7.3</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6.0</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3.5</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.6</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Unemployment rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12.3</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2.5</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23.7</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.7</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">With regard to Stage 2 classification, Santander UK applies quantitative criteria based on identifying an increase in lifetime probability of default (PD) for the transaction that exceeds both an absolute and a relative threshold. The PDs used in this assessment are adjusted to the transaction&#8217;s remaining term and annualised to facilitate the definition of thresholds that cover the full range of transaction maturities. The relative threshold is common across all portfolios, and Santander UK considers that a transaction exceeds this threshold when its lifetime PD increases by 100% compared to the PD at initial recognition. The absolute threshold, by contrast, differs across portfolios depending on the characteristics of the transactions.</span></div><div><span><br/></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:130%">In addition, each portfolio has a set of specific qualitative criteria indicating that the exposure has experienced a significant increase in credit risk, irrespective of the evolution of its PD since initial recognition. Among other criteria, Santander UK considers that a transaction shows a significant increase in credit risk when it is more than 30 days past due. It also has implemented early warning indicator system to support Stage 2 classification. These criteria align with the risk management practices of each portfolio.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:1pt;margin-top:9pt"><span id="iae9f560b4ead47948b97c7d8cc67499d"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">3.2. Spain</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="ie1f99b6d9a27447aa6b22fbca1da3c1e"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">P</span><span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">ortfolio overview</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Santander Espa&#241;a&#8217;s credit risk totalled EUR 305,156&#160;million (26% of Grupo Santander&#8217;s total). It is appropriately diversified among products and customer segments.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The NPL ratio was 1.94%, 72 bps lower than in December 2024. This decrease was driven by the portfolio&#8217;s strong performance, supported by the execution of the NPL reduction plan.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The NPL coverage ratio increased slightly to 55% (+2 p.p. year-on-year). The cost of risk decreased to 0.43% (-7 bps vs. December 2024), driven by the strong performance of all portfolios.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Macroeconomic projections suggest the economy will moderate its growth pace slightly, but will remain dynamic and well above the eurozone average, as the Spanish economy has largely been supported by stronger domestic demand amid a weaker-than-expected external sector.</span></div><div style="margin-bottom:1pt;margin-top:9pt"><span id="i3da1f4258c1f40808267129132106ea6"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Residential mortgage portfolio</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:130%">Residential mortgages in Spain, including Santander Consumer Finance business, amounted to EUR 60,002&#160;million in 2025 (EUR 59,316 million and EUR 61,097 million in 2024 and 2023, respectively), 99.64% of which have a mortgage guarantee (99.65%and 99.65% in 2024 and 2023, respectively).</span></div><div style="margin-bottom:9pt;margin-top:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"><tr><td style="width:1.0%"></td><td style="width:46.887%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.906%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.907%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which: impaired</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Home purchase loans to families</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">60,002&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">625&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Without mortgage collateral</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">215&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">With mortgage collateral</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">59,787&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">618&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></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:99.474%"><tr><td style="width:1.0%"></td><td style="width:46.887%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.906%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.907%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which: impaired</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Home purchase loans to families</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59,316&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">789&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Without mortgage collateral</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">208&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">With mortgage collateral</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">59,108&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">778&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"><tr><td style="width:1.0%"></td><td style="width:46.887%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.906%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.907%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which: impaired</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Home purchase loans to families</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">61,097&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">924&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Without mortgage collateral</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">215&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">With mortgage collateral</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">60,882&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">908&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;margin-top:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The NPL ratio for the residential mortgages portfolio stood at 1.03%, with a reduction of 29 bps, compared to 31 December 2024, mainly due to by portfolio sales, although credit risk registered an increase of 1.2% compared to December 2024.</span></div><div style="margin-bottom:9pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The mortgage portfolio for the acquisition of homes in Spain is characterised by its medium-low risk profile, which limits expectations of any potential additional impairment: </span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Principal is repaid on all mortgages from the start. </span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">High quality of collateral, concentrated almost exclusively in financing for first homes. </span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The average affordability rate is r</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">educe to 22% (</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">24% and 24% in 2024 and 2023, respectively). </span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The 94% of the portfolio has a LTV below 80% calculated as total risk/latest available house appraisal.</span></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">All customers applying for a residential mortgage are subject to a rigorous credit risk and viability assessment, analysing whether their income is sufficient to meet all repayments and will remain stable over the term of the loan.</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:130%">Breakdown of the credit with mortgage guarantee to households for house acquisition, according to the percentage that the total risk represents on the amount of the latest available valuation (loan to value):</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.131%"><tr><td style="width:1.0%"></td><td style="width:31.735%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.094%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.094%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.094%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.094%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.094%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.095%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan to value ratio</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Less than or equal&#160;to&#160;40%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than 40% and less than 60%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than 60% and less than 80%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than 80% and less than or equal to 100%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than 100%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,191&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,310&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,811&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,812&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">663&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59,787&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which impaired</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">122&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">158&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">151&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">84&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">103&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">618&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In November 2022, Royal Decree-Law 19/2022 was published, which establishes a Code of Good Practices in response to the rise in interest rates on mortgage loans for primary residences and Royal Decree-Law 6/2012 of protection measures for mortgage debtors without resources. The code of good practices is focused on granting capital grace periods and extending the term of the operations. The requests made have not been significant.</span></div><div style="margin-bottom:1pt;margin-top:9pt"><span id="i76e56646c05d43bb9e986927c7275787"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Corporate &amp; SME financing</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:130%">Credit risk with SME </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">and corporates in commercial banking amounted to EUR 99,395&#160;million, lower than December 2024, mainly due to the fall in the portfolio of SMEs of 10.1%. This portfolio accounting for 33% of the total, compared to 41% of CIB's portfolio, which from 2022 includes branches in Europe. </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:130%">Most of the portfolio corresponds to clients who have been assigned a credit analyst, who performs continuous management of said clients during all phases of the risk cycle. The portfolio is broadly diversified and not concentrated by sector of activity. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The ICO loans that were granted as a result of the pandemic (25,428&#160;million euros) are being repaid normally and there is a balance of EUR 10,857&#160;million, so they now represent only around 3.6% of Santander Spain's total portfolio. During 2025, Santander Spain maintained its support and close engagement with SMEs and the self-employed through the various support lines, which were significantly less material than the post-pandemic programmes (L&#237;neas ICO Empresas y Emprendedores, L&#237;nea ICO Internacional y Rehabilitaci&#243;n de vivienda).</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:130%">In the case of delinquent operations with ICO guarantee, the transfer of the overdue guaranteed amounts will take place as the guarantee is executed, regardless of whether the guarantor is subrogated to the right to receive said amounts, according to the regulation of these guarantees. The de-recognition of the transferred guaranteed amounts will entail the recognition, at its fair value, of a collection right against the guarantor.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The portfol</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">io&#8217;s NPL ratio stood at 4.10% in December 2025. The NPL ratio decreased by 97 bps compar</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ed to December 2024, largely due to a proactive effort to reduce the stock of NPLs in the SME portfolio, through proactive management of non-performing exposures supported by portfolio sales and the management of specific cases.</span></div><div style="margin-bottom:3pt"><span id="i5b5d85114d1f4520bdab92ac51570ce8"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Real estate activity</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Santander has specialized teams that are in charge of managing real estate business production and risk areas that cover the entire life cycle of these operations.</span></div><div><span><br/></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:130%">The changes in gross property development loans to customers were 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:40.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.346%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="9" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at beginning of year</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2,545</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2,433</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2,327</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Foreclosed assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(1)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net variation</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">441</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">112</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">115</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Written-off assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(8)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at end of year</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,984</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,545</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,433</span></td></tr></table></div><div style="margin-bottom:12pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></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:130%">The NPL ratio of this portfolio (considering only the on balance amount) ended the year at 1.04% (compared with </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:130%">2.28%</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> and 3.04% at December 2024 and 2023, respectively) . The table below shows the distribution of the portfolio. The coverage ratio of the real estate doubtful exposure in Spain stands at 35.48% (36.21% and 39.19% in 2024 and 2023, respectively).</span></div><div style="margin-bottom:9pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:25.443%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.282%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.591%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.284%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Excess of gross exposure over maximum recoverable amount of effective collateral</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Specific allowance</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financing for construction and property development (including land) (business in Spain)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,984</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">211</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Of which impaired</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Memorandum items written-off assets</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">240</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></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:99.782%"><tr><td style="width:1.0%"></td><td style="width:69.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:28.221%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Memorandum&#160;items:&#160;Data&#160;from&#160;the&#160;public&#160;consolidated&#160;balance&#160;sheet</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Carrying amount</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">240,609&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total consolidated assets (Total business) (Book value)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,867,515&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment losses and credit risk allowances. Coverage for unimpaired assets (business in Spain)</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,086&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At year-end, the distribution of this portfolio was 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:67.109%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.691%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans: gross amount</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1. Without mortgage guarantee</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2. With mortgage guarantee</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,970&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.1 Completed buildings</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">976&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.1.1 Residential</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">658&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.1.2 Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">318&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.2 Buildings and other constructions under construction</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,981&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.2.1 Residential</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,913&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.2.2 Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">68&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3 Land</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3.1 Developed consolidated land</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3.2 Other land</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,984</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i73e343b4e922455ea8f466c0a3d17a0a"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Foreclosed properties</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025, the net balance of these assets amounted to EUR 1,898 million (EUR 2,131&#160;million and EUR 2,448&#160;million at 31 December 2024 and 2023, respectively), gross amount of EUR 4,258 million (EUR 4,823&#160;million and EUR 5,506&#160;million at 31 December 2024 and 2023, respectively); recognised allowance of EUR 2,360 million (EUR 2,692&#160;million and EUR 3,058&#160;million at 31 December 2024 and 2023, respectively).</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table shows the detail of the assets foreclosed by the businesses in Spain at the end of 2025:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><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"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Valuation adjustments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which impairment losses on assets since time of foreclosure</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net Carrying amount</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Property assets arising from financing provided to construction and property development companies</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,843</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,144</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,591</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,699</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Completed buildings</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">481&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">324&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">282&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">157&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Residential</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">129&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">60&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">58&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">352&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">253&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">222&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">99&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Buildings under construction</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">107&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">49&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">35&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">58&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Residential</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">107&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">49&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">35&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">58&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Land</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,255&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,771&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,274&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,484&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Developed land</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">776&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">429&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">260&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">347&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other land</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,479&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,342&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,014&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,137&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Property assets from home purchase mortgage loans to households</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">334</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">172</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">119</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">162</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other foreclosed property assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">81</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">44</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">36</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">37</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total property assets</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,258</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,360</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,746</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, the Group has shareholdings in entities holding foreclosed assets amounting to EUR 36&#160;million and equity instruments foreclosed or received in payment of debts amounting to EUR 10&#160;million.</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:130%">In recent years, the Group has considered foreclosure to be an option to resolve cases of default instead of legal proceedings. The Group initially recognises foreclosed assets at the lower of the carrying amount of the debt (net of provisions) and the fair value of the foreclosed asset (less estimated costs to sell). Subsequent to initial recognition, the assets are measured at the lower of fair value (less costs to sell) and the amount initially recognised.</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:130%">The fair value of this type of assets is determined by the market value (appraisal) adjusted with discounts obtained according to internal valuation methodologies based on the entity's sales experience in goods with similar characteristics.</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:130%">The management of real estate assets on the balance sheet is carried out through companies specializing in the sale of real estate that is complemented by the structure of the commercial network. The sale is realised with at prices in accordance with the market situation and the offer of wholesale buyers.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The gross movement in foreclosed properties were as follows (EUR billion):</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:38.097%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.961%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.963%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR Billion</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross additions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">0.1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">0.3</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.7)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(0.8)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(1.2)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Difference</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.6)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.7)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.9)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span id="ic91246279d434dd19dbc9742b92192db"></span><span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Information on the estimation of impairment losses</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:130%">The detail of Santander Spain exposure and loan-loss reserves associated with each of the stages at 31 December, 2025, 2024 and 2023, is shown below. In addition, the exposure is divided in four tranches of the Standard &amp; Poor's rating scale, according to their current credit quality:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:30.998%"></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:15.875%"></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="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">35,407&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">171&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">35,578&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">109,001</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">1,453</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">110,454&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">37,089&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">8,262&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">45,351&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2,189</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,680</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,761&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,630&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">183,686</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,566</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,761</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">201,013</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">382</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">483</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,204</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,069</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:30.998%"></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:15.875%"></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></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">35,347&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">110&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">35,457&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">104,197</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,124</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">105,321&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">37,413&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,844&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">46,257&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2,084</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">3,199</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,618&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,901&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">179,041</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,277</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6,618</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">198,936</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">340</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">570</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,953</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,863</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></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></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">&#160;&#160;&#160;&#160;</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;padding-left:11.34pt;text-indent:-11.34pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:30.998%"></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:15.875%"></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="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">46,827&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">48&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">46,875&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">101,079</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">780</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">101,859&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33,905&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,789&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">43,694&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 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:105%">1,513&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 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:105%">4,517&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 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:105%">7,536&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #A6A6A6;padding:2px 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:105%">13,566</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">183,324</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15,134</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,536</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">205,994</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">300</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">663</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,959</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,922</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Detail of credit quality ratings calculated for Group management purposes. Excluding the SCIB branches business</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:5.48pt">Total exposure includes loan balances (drawn amounts) and off balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.7pt">Includes provisions for undrawn authorized lines </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:115%">(loan commitments).</span></div><div><span><br/></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:130%">For the estimation of the expected losses, the prospective information is taken into account. Specifically, Santander Spain considers three macroeconomic scenarios, which are updated periodically. The projected evolution for a period of five years of the main macroeconomic indicators used by Santander Spain for estimating expected losses as of 2025, is presented below:</span></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:38.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.961%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.961%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.964%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2026-2030</span></div></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Variables</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Base scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Optimistic scenario&#160;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.7&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.5&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.3&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Unemployment rate</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12.1&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.7&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.2&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Housing price change</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.3&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.1&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.7&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">GDP growth</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.2&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.6&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.4&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></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:130%">Each macroeconomic scenarios is associated with a given weight. As for its allocation, Santander Spain associates the Base scenario with the highest weight, while associating the lower weights to the most extreme scenarios:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:36.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.580%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Base scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Optimistic scenario&#160;1</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></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:130%">The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios, at December 31 2025, 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:44.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.494%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change in Provision</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mortgages</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporates</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Others</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">GDP Growth</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8.5</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.1</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.1</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3.6</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.9</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.9</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Housing price change</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8.4</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.5</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.4</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.8</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Unemployment rate</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6.0</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.5</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3.7</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14.7</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.8</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.7</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">To determine Stage 2 classification, Santander Spain applies quantitative criteria based on identifying increases in the lifetime PD of an exposure above a relative or absolute threshold. The threshold differs by portfolio depending on the characteristics of the exposures, and an exposure is considered to exceed the threshold when its lifetime PD increases by a set amount compared with the PD at initial recognition. Santander Spain calibrates these thresholds periodically, as described in previous paragraphs. In addition, Santander Spain applies a backstop to the relative threshold across all portfolios. As a result, Santander Spain classifies contracts as Stage 2 when their current PD has increased by more than two times compared with the PD at origination.</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:130%">Santander Spain also considers specific qualitative criteria that indicate a significant increase in credit risk, regardless of how the PD has evolved since initial recognition. Among other criteria, Santander Spain considers that an exposure shows a significant increase in credit risk when it is more than 30 days past due or when its early warning system so determines.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#160;&#160;&#160;&#160;</span></div><div style="margin-bottom:1pt;margin-top:9pt"><span id="i2e02ef57652046028c93695d51ae9a81"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">3.3. United States</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="if26b2549cb584194874d1466f23f0ad2"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Portfolio overview</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Santander US&#8217;s credit risk stood at EUR 148,488&#160;million at the end of December 2025. It makes up 12.8% of Grupo Santander's total credit risk.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The NPL ratio grew to 4.82% (+14 bps in the year) due to a higher stock of delinquencies and lower portfolio growth, and the cost of risk decreased to 1.62% (-20 bps in the year).</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:130%">Santander US includes the following business units:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="id15354824f864207beb4082cd152651a"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Santander Bank, National Association (SBNA)</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:130%">In 20</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">25 lending amounted to EUR 46,677&#160;million (representing 4% of the Group's credit risk) and presents a reduction of 15% in 2025, mainly due to the transfer of the CIB portfolio to the New York branch. </span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The NPL ratio increased to 2.60% (+44 bps vs December 2024, while the cost of risk remained flat at 0.93%.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Activity in the individuals segment is primarily focused on auto financing and leasing, as well as credit card origination. During 2025, the teams continued to develop the operating and systems capabilities that will enable the asset product offering to be expanded in the future through the Openbank brand.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The Commercial segment comprises seven business lines, including Commercial Real Estate, Santander Real Estate Capital, Commercial Equipment Vehicle Finance, and Commercial and Industrial. The portfolio shows a slight downward trend in exposure, driven, on the one hand, by a strategy that prioritises risk-adjusted profitability over volume growth and, on the other, by the gradual run-down of the real estate and dealer portfolios.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The credit risk profile of the Commercial Real Estate and dealer portfolios shows some deterioration, mainly due to structural uncertainties affecting these sectors, as well as the impact of an interest-rate environment that remains elevated and developments in commercial and tariff policies, which continue to weigh on the financial capacity of certain customers.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i8154971781d0462fb41ba34dadcbbcfd"></span><span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Information on the estimation of impairment losses </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:130%">The detail of Santander Bank, National Association exposure and loan-loss reserves associated with each of the stages at 31 December, 2025, 2024 and 2023 is shown below. In addition, the exposure is divided in four tranches of the Standard &amp; Poor's rating scale, according to their current credit quality:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:34.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.950%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,622&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">24&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,646&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">7,352</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">728</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">8,080</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">28,758</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">4,459</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">33,217</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">779</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">861</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,158</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2,798</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">38,511</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6,072</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,158</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">45,741</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">277</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">325</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">202</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">804</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:34.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.950%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,215&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">277&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,492&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">21,422</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">930</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">22,352</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">21,899</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">3,855</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">25,754</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">33</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">482</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,130&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,645</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">47,569</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,544</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,130</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">54,243</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">292</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">364</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">182</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">838</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:9.07pt;text-indent:8.93pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">&#160;&#160;&#160;&#160;</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:34.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.950%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,834&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">76&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,910&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">20,468</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">459</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,927&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,312&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,439&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28,751&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">52</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">450</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">894&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,396&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">50,666</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,424</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">894</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">55,984</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">409</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">335</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">141</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">885</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Detail of credit quality ratings calculated for Group management purposes.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:5.48pt">Total exposure includes loan balances (drawn amounts) and off-balance (letters of credit + guarantees) and excludes REPO, FV portfolio, trading portfolio and undrawn commitments.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:5.7pt">Includes provisions for undrawn authorized lines (loan commitments).&#160;&#160;&#160;&#160;</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:130%">For the estimation of expected losses, prospective information is taken into account. Specifically, Santander Bank, National Association considers four macroeconomic scenarios, which are updated periodically. The evolution projected in 2025 for a period of five years of the main macroeconomic indicators used Santander Bank, National Association to estimate expected losses is presented below:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="padding-left:7.09pt;text-indent:-7.09pt"><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:29.976%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.053%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.053%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.592%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.826%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2026-2030</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Variables</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Base scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Optimistic scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate (annual averaged)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.8</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.6</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.2</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.0</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Unemployment rate</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.4</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.0</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.2</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">House price change</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.2</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.3</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.1</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">GDP growth</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.9</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.0</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Manheim growth</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.6</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.1</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.3</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.1</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. US used vehicle price car index. </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:130%">Each of the macroeconomic scenarios is associated with a given weight. As for its allocation, Santander Bank, National Association associates the highest weighting to the Base scenario, while associates the lowest weightings to the most extreme scenarios:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:43.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.420%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario 2</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pessimistic scenario 1</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Base scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Optimistic scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></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:115%">The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios as of 2025 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.123%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change in Provision</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mortgages</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporates</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Auto</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">GDP Growth</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.6%</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.9%</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.8%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10.6%)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.7%)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.0%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Housing price change</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26.9%</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.7%</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.0%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12.9%)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9.3%)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.5%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Unemployment rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(41.6%)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(25.9%)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.9%)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53.9%</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39.5%</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.8%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Manheim index</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.8%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(1.4%)</span></td></tr></table></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:130%">For the Stage 2 classification determination, this year SBNA implemented, within the Auto portfolio, a system based on the comparison of PD to determine whether there has been a significant increase in credit risk. SBNA set both relative and absolute thresholds, segmented by the customer&#8217;s credit profile, and also established a backstop to the relative threshold. As a result, SBNA will classify as Stage 2 those contracts whose current PD has increased by more than two times compared to their PD at origination.</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:130%">For the remaining retail portfolios, SBNA uses the FICO (Fair Isaac Corporation) score as a quantitative criterion as a proxy for PD, considering the score at origination and its current value, and setting different limits or cut-off points depending on each portfolio&#8217;s characteristics. A significant increase in risk requires changes in the score of around 120 bps and 20 bps.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For wholesale portfolios, SBNA uses the transaction&#8217;s rating as a proxy for PD, considering the rating at origination and its current rating, and setting thresholds for different rating bands depending on each portfolio&#8217;s characteristics.</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:130%">In addition, SBNA defines specific qualitative criteria to identify exposures that have recorded a significant increase in credit risk. Among other criteria, Santander Bank, National Association considers that a transaction presents a significant increase in credit risk when it has arrears positions for more than 30 days or when a system of early warning indicators determines it. </span></div><div style="margin-bottom:3pt"><span id="i1754043d288244a78e4dea6543b5c2b2"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Santander Consumer USA Inc.</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:130%">Santander Consumer USA Inc. (SC USA) presents higher risk indicators than other Santander US units due to the nature of its business, which focuses on auto finance via loans and leasing.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025, lending amounted to EUR 25,318&#160;million (representing 2.2% of the Group) and presents a decrease of 17.0% regarding December 2024.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Regarding the NPL ratio, it increased to 22.08% (+340 bps in the year); and the cost of risk stood at 6.10% (-50 bps YoY).</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">NPL coverage ratio fell to 53% (-885 pp in the year), in line with the percentages of transfers from default to bad debts, which are at historically low levels.</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:130%">The business focuses on optimising the profitability-to-risk relationship through pricing management aligned with each customer&#8217;s credit quality and each transaction, while also strengthening dealer processes and the dealer experience. 2025 was marked by uncertainty stemming from tariff policy and fiscal stimulus measures, as well as the end of the exclusivity agreement with Stellantis.</span></div><div style="margin-bottom:1pt;margin-top:9pt"><span id="i142c722429564a46b4f4255289b9272a"></span><span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Information on the estimation of impairment losses</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:130%">The detail of Santander Consumer USA Inc. exposure and loan-loss reserves associated with each of the stages at 31 December 2025, 2024 and 2023, is shown below. In addition, the exposure is divided in four tranches of the Standard &amp; Poor's rating scale, according to their current credit quality:</span></div><div style="margin-bottom:3pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:33.467%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">54&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">54&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,167&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">947&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,114&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,577&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,871&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,588&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,036&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,798</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,818</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,588</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">25,204</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">419</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">910</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,688</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,017</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:33.467%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">202</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">202&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">12,802</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">451</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,253&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">7,259</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">4,226</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,729&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,214&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,263</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,677</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,729</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,669</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">630</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,006</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,908</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,544</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:33.467%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">99</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">0</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">99&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">12,120</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">395</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,515&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">6,754</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">4,237</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,272&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,263&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,973</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,632</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,272</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">28,877</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">597</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,019</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,712</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,328</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Detail of credit quality ratings calculated for Group management purposes.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.23pt">Total exposure includes loan balances (drawn amounts) and off-balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.45pt">Includes provisions for undrawn authorized lines (loan commitments).</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:130%">For the expected losses estimation, prospective information should be taken into account. Specifically, SC USA considers four macroeconomic scenarios, periodically updated over a 5-year time horizon. </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:130%">The evolution forecasted in 2025 for a period of five years of the main macroeconomic indicators used by in SC USA in the estimation of expected losses is shown below:</span></div><div><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:29.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.053%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.053%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.592%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.441%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2026-2030</span></div></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Variables</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Base scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Optimistic scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate (annual averaged)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.8</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.6</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.2</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.0</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Unemployment rate</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.4</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.0</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.2</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">House price change</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.2</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.3</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.1</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">GDP growth</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.9</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.0</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Manheim</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"> index</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.6</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.1)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.3</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.1</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. US used vehicle price car index. </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:130%">Each of the macroeconomic scenarios is associated with a given weight. Santander Consumer USA Inc. associates the highest weighting to the Base scenario, whereas it associates the lowest weightings to the most extreme or acid scenarios:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:47.974%"></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:15.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.876%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario 2</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">Pessimistic scenario 1</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">Base scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">33&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">33&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">Optimistic scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios at the end of 2025 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:94.546%"><tr><td style="width:1.0%"></td><td style="width:59.812%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:37.988%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change in provision</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">SC Auto</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Manheim index</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">1.0%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(0.8%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Unemployment Rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">(4.9%)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">7.0%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">House Price Change</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">3.1%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(1.6%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">GDP&#160;growth</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">1.7%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(1.2%)</span></td></tr></table></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:130%">In relation to the Stage 2 classification determination, SC USA implemented a new system based on the comparison of PD at origination and current PD, replacing the previous approach based on the FICO (Fair Isaac Corporation) score. SC USA established a set of absolute and relative thresholds, segmented based on the customer&#8217;s credit profile. Finally, it introduced a backstop to the relative threshold whereby contracts whose current PD has increased by more than two times compared to their PD at origination are classified as Stage 2.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Additionally, for each portfolio, a series of specific qualitative criteria are defined, which indicate that the exposure has experienced a significant increase in credit risk, regardless of the evolution of its PD since the initial recognition. Among other criteria, the entity considers that a transaction has experienced a significant increase in credit risk when it has past-due positions for more than 30 days. These criteria align with the risk management practices of each portfolio.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ie44df5a8c6404d4990dfc7787a9e9f32"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">3.4. Banco Santander (Brasil) S.A.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="i04e7256ceeea478ba00640fcdab2e93c"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Portfolio overview</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Santander Brazil's credit risk amounted to EUR 118,546&#160;million, increasing 2.5% in constant euros from 2024. Minus the exchange rate effect, it grew by 2.0%. As of December 2025, Santander Brasil accounts for 10% of Grupo Santander's loan book.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The NPL ratio went from 6.10% in December 2024 to 6.76% in December 2025, and the coverage ratio increased from 79.0% to 81.0%.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As of 31 December 2025 loan-loss provisions reached EUR 4,409&#160;million, a 2% year-on-year decrease. Cost of risk increased from 4.03% in 2024 to 4.17% in 2025.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2025, the Brazilian economy is moderating compared to the previous year. Several factors drive this performance: reduced fiscal support, a more restrictive monetary policy and a less favourable external environment.</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:130%">The labour market still shows resilience, which has helped prevent a sharp deterioration in household consumption. However, some indicators suggest that this labour-market momentum is starting to cool, with private-sector employment growth gradually easing.</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:130%">Inflation is expected to close the year at around 4.8%, with a trend towards further moderation in 2026. A moderate appreciation of the Brazilian real and weaker domestic demand contribute to this price moderation. The Brazilian real exchange rate remains a source of uncertainty, together with public debt sustainability and the need for fiscal adjustments to contain financial imbalances. From a sectoral perspective, the agricultural sector and certain industrial segments continue to provide relevant support, although the overall slowdown and the effects of tighter monetary conditions limit their contribution to aggregate growth.</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:130%">Against this backdrop, although Brazil retains a relatively solid base &#8212; a robust labour market and competitive export sectors &#8212;2025 is shaping up as a transition year, with the economy slowing and facing multiple structural challenges (inflation, exchange rate, debt and monetary policy) that condition its performance.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The retail segment (without Consumer Finance), which represents 37% of Santander Brazil's total portfolio, mainly comprises mortgages and credit cards (29% and 26% of the total portfolio, respectively). Thanks to the risk mitigation measures implemented in origination and portfolio management, cost of risk has been kept at 4.7%, despite the high SELIC rate and inflation running above the official target, which reduces individuals&#8217; repayment capacity.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In the SME segment, which represents 11% of total risk exposure, the Bank maintained the restrictive origination measures adopted in recent years, particularly for the higher-risk profiles with weaker performance. Teams continuously review and adjust strategies to keep credit quality within expected levels. Overall, they achieved this during the year, with an acceptable performance of new business indicators.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In Brazil&#8217;s corporate segment, 2025 was marked by an uncertain geopolitical backdrop and some weaknesses in the local economy, notably high interest rates that have affected the repayment capacity of more leveraged companies. In this environment, the portfolio&#8217;s growth slowed and NPL and cost of risk levels increased.</span></div></div></div><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="id3adc8f7128045c78a12d72f7b6f3ea6"></span><span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Information on the estimation of impairment losses </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:130%">The detail of Banco Santander (Brasil) S.A. exposure and loan-loss reserves associated with each of the stages at 31 December 2025, 2024 and 2023, is shown below. In addition, the exposure is divided in four tranches of the Standard &amp; Poor's rating scale, according to their current credit quality: </span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:33.467%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="12" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,898&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,513&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,411&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">29,179</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">1,253</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">30,432&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">36,089&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">7,035&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">43,124&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">1,217&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">3,801&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">7,151&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">12,169&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">83,383</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,602</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,151</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">104,136</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">648</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,128</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,216</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,992</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:33.467%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</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></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,557&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">970&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,527&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">32,824</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,637</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34,461&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33,655&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,285&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">38,940&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">423&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,808&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,382&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,613&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">86,459</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">10,700</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6,382</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">103,541</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">687</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">860</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,766</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,313</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:33.467%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</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></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,670&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">468&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21,138&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">38,869</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">751</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39,620&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36,107&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,177&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40,284&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,153&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,735&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,479&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,367&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">96,799</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9,131</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,479</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">113,409</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">722</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,078</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,538</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6,338</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;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:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Detail of credit quality ratings calculated for Group management purposes.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.23pt">Total exposure includes loan balances (drawn amounts) and off-balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.45pt">Includes provisions for undrawn authorized lines (loan commitments).</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:130%">For the expected losses estimation, prospective information is taken into account. Particularly, Santander Brazil considers three macroeconomic scenarios, periodically updated. The evolution for a period of five years of the main macroeconomic indicators used to estimate the expected losses in Santander Brazil is as follows:</span></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:36.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.580%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2026-2030</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Variables</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Pessimistic scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Base scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Optimistic scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate (annual averaged)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11.5</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10.9</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10.3</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Unemployment rate</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.0</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.5</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.4</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">House price change</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.1</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.9</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.3</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">GDP growth</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.2</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.9</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.8</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Burden income</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27.0</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26.8</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26.1</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Each macroeconomic scenario is associated with a given weight. Regarding its assignation, Brazil links the highest weight to the base scenario whilst links the lowest weights to the most extreme scenarios:</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:36.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.580%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Base scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">75&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">75&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">80&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Optimistic scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></div><div style="margin-bottom:6pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios is at the end of 2025 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:40.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.346%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change in provision</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Individuals</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">SME</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">GDP growth</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.3</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.9</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.6</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.3</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.4</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Unemployment rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.9</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3.8</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4.5</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.8</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.2</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.3</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate (SELIC)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.6</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.6</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.9</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.7</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.0</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.5</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Regarding the Stage 2 classification determination, Santander Brasil assesses whether the increase in lifetime PD over the expected life of the transaction exceeds the combined effect of an absolute and a relative threshold. These thresholds vary by portfolio, depending on the characteristics of the transactions. A transaction is deemed to breach the threshold when its lifetime PD increases by a specified amount compared to the PD recorded at initial recognition.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The absolute and relative threshold levels are recalibrated periodically and depend on the type of portfolio to which they apply. In addition, Santander Brasil has implemented a backstop to the relative threshold across all portfolios: contracts whose current PD doubles the PD at origination are automatically classified as Stage 2.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="ie6ab7dfbc6684d55b14fb3c5c57d9d34"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">4. Other credit risk aspects</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="ia571339575fb4b23b47fcaacd0c78874"></span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">4.1.&#160;Credit risk by activity in the financial markets</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:130%">This section covers credit risk from treasury, with money market financing and counterparty risk products to satisfy the needs of customers (especially credit institutions) and the Group. </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:130%">Counterparty credit risk is defined as the risk that could arise from a total or partial failure to meet the financial obligations entered into with the entity, because a customer may default before the final settlement of the transaction&#8217;s cash flows. This risk usually increases the longer the period between the trade date and the settlement date. It is a bilateral credit risk that can affect both parties to the transaction, and its magnitude is uncertain, as it depends on volatile market factors.</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:130%">Within counterparty credit risk exposure, an additional risk known as wrong-way risk may arise. It occurs when exposure to a portfolio or counterparty increases at the same time as its credit quality deteriorates. In other words, wrong-way risk exists when default risk increases and, as a result, the exposure to the counterparty also increases. Santander has specific models to measure and control this risk.</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:130%">Settlement risk arises when the settlement of a transaction involves a bilateral exchange of flows or assets between two counterparties. For example, when a counterparty buys dollars in exchange for euros, settlement involves one party delivering euros and receiving an equivalent amount of dollars from the other. Settlement risk is the risk that one of the parties fails to meet its settlement obligations. We have also developed a global infrastructure and specific models to measure this risk.</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:130%">To manage and control counterparty risk, it is essential to have an infrastructure that allows measuring current and potential exposure at different levels of aggregation and granularity in an agile and dynamic way, ensuring the generation of reports with sufficient detail to facilitate the understanding of exposures and the decision-making process.</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:130%">To measure exposure, Grupo Santander follows two methodologies: mark-to-market (MtM or replacement value in derivatives) plus potential future exposure (add-on), and Monte Carlo simulation for calculating exposure for some countries and products. Additionally, Santander calculates capital at risk or unexpected loss, which is the loss that constitutes economic capital net of guarantees and recoveries, after deducting the expected loss.</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">After market close, Grupo Santander recalculates exposures by adjusting all operations to their new time horizon, adapting the potential future exposure and applying mitigation measures (netting, collateral, among others), so that exposures can be controlled daily against the limits approved by senior management within the risk appetite. Santander performs risk control through a real-time integrated system, which allows the Group to know at any moment the available exposure limit with any counterparty, in any product and term, and across all subsidiaries.</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:130%">Grupo Santander runs monthly stress tests on derivatives portfolios and securities financing transactions (SFT). These exercises form an integral part of the counterparty credit risk management process. They allow us to assess the resilience of exposures under adverse scenarios and support appropriate identification, measurement and control of the associated risks. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ia14b72992e6241e18c82a51eed39a19b"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">4.2.&#160;Concentration risk </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Concentration risk control is an essential aspect of Grupo Santander's management. The Group continuously monitors the level of concentration in its credit risk portfolios applying various criteria: geographic areas and countries, economic sectors and groups of customers.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The board, via the risk appetite framework, determines the maximum levels of concentration.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In line with these maximum levels and limits, the executive risk committee establishes the risk policies and reviews the appropriate exposure levels for the effective management of </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">the degree of concentration in Santander&#8217;s credit risk portfolios.</span></div><div style="margin-bottom:6pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander must adhere to the regulation on large risks contained in the CRR, according to which the exposure contracted by an entity with a customer or group of associated customers will be considered a large exposure when its value is equal to or greater than 10% of eligible capital.</span></div><div style="margin-bottom:6pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, in order to limit large exposures, no entity may assume exposures exceeding 25% of its eligible capital with a single customer or group of associated customers, having factored in the credit risk mitigation effect contained in the regulation.</span></div><div style="margin-bottom:6pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At the end of December, after applying risk mitigation techniques, no group reaches the above-mentioned thresholds.</span></div><div style="margin-bottom:6pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Regulatory credit exposure with the 20 largest groups within the scope of large risks represented 5.3% of the outstanding credit risk with customers (lending to customers plus off-balance sheet risks) as of December 2025. While the regulatory credit exposure with the 40 largest groups represents 8.4% of the credit risk.</span></div><div style="margin-bottom:6pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by activity and geographical area of the Group's risk concentration at 31 December 2025 is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:42.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.161%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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"></td><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other EU countries</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">America</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Rest of the world</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Central banks and Credit institutions</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">326,316&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">61,256&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71,853&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">119,532&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73,675&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Public sector</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">267,765&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82,131&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,620&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">109,109&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,905&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Central government</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">239,153&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">66,479&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57,468&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">101,768&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,438&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Other central government</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28,612&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,652&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,152&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,341&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">467&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial institutions (financial business activity)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">207,044&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,301&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50,819&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">101,600&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,324&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-financial companies and individual entrepreneurs (non-financial business activity) (broken down by purpose)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">447,496&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">103,836&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94,760&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">188,078&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60,822&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Construction and property development</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,322&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,130&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,090&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,396&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,706&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Civil engineering construction</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,128&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,835&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,740&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,468&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">85&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Large companies</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">291,515&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">53,841&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">63,635&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">127,003&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">47,036&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">SMEs and individual entrepreneurs</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">130,531&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">44,030&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,295&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50,211&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,995&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Households &#8211; other (broken down by purpose)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">543,928&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88,602&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">98,262&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">142,560&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">214,504&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Residential</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">333,552&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">61,818&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,030&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">46,605&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">198,099&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Consumer loans</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">192,746&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,784&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">69,670&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">87,491&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,801&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Other purposes</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,630&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,000&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,562&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,464&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">604&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,792,549</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">352,126</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">378,314</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">660,879</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">401,230</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:15pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">For the purposes of this table, the definition of risk includes the following items in the public balance sheet: 'Loans and advances to credit institutions', 'Loans and advances to Central Banks', 'Loans and advances to Customers', 'Debt securities', 'Equity Instruments', 'Trading Derivatives', 'Hedging derivatives', 'Investments and financial guarantees given'. </span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt"><span id="i9df7782519234727b6315c34a29df2ac"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">4.3 Sectors identification and management </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:130%">Grupo Santander conducts a quarterly review of exposure to customers operating in sectors that could be more affected by macroeconomic conditions (energy consumption, commodity prices, and key macroeconomic variables). This monitoring is complemented by the use of internal tools that allow projecting the behaviour and evolution of clients in each sector under different macroeconomic scenarios. Additionally, this process considers, among other things, the following information at the sector level:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Market information: Industries&#8217; stock market performance.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Analysts&#8217; EBITDA forecasts for the coming years.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Internal information: Changes in credit exposure, defaults (in different timelines) and stagings.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Our industry experts&#8217; opinion, based on specific details about our exposures and our relationships with customers</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:130%">Grupo Santander </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">continued to strengthen our ability to analyse potential losses at the highest possible level of granularity by enhancing the methodology and sector projection tools, based on the resilience of each company&#8217;s financial statements under different macroeconomic scenarios.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span id="icd026d9fd5634422af836382952f833b_9509"></span><span id="ifde19736bb3b4dacbca9b14f2c6781a0"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">4.4. Sovereign risk and exposure to other public sector entities</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:130%">Sovereign risk arises from central bank transactions (including regulatory cash reserves), government bonds issued by the Treasury or equivalent bodies (public debt portfolio), and transactions with public-sector entities funded exclusively by a state&#8217;s budget revenues and with no commercial activity.</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:130%">The standard historically applied by Grupo Santander differs from the one used by the EBA in its periodic stress tests. The most significant differences are that the EBA&#8217;s approach does not include deposits with central banks, exposures held in insurance companies, or indirect exposures through guarantees or other instruments. By contrast, it does include public administrations more broadly (including regional and local authorities), and not only those of the central government.</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:130%">Santander continues to track and manage transactions with sovereign risk based on available information, such as reports by rating agencies and international organizations. Grupo Santander monitors each country where the Group has cross-border</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> and sovereign risk. Santander analyses events that could affect the country&#8217;s political or institutional stability and assign its government or central bank a credit rating. This helps us set limits for transactions with sovereign risk.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Over recent years, total sovereign risk exposure has remained in line with regulatory requirements and the strategy defined for managing this portfolio. Changes in exposure across countries reflect the liquidity management strategy and hedging of interest rate and foreign exchange risk. International exposure is diversified across countries with different macroeconomic expectations and, consequently, different growth, interest rate and exchange rate scenarios..</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:130%">At the end of December 2025, Grupo Santander&#180;s local sovereign exposure, in currencies other than the official currency of the country of issuance, is not significant (</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">EUR 4,908 million, 1.2% of total sovereign risk) according to our management criteria. Furthermore, exposure to non-local sovereign issuers involving cross-border risk is even less significant</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">2</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> (EUR 17,002&#160;million, 4.0% </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">of total sovereign risk). Sovereign exposure in Latin America is mostly in local currency, and is recognised in the local accounts and concentrated in short- term maturities.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Our investment strategy for sovereign risk considers country&#8217;s credit quality to set the maximum exposure limits. The following table shows the percentage of exposure by rating</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">A</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:43.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.420%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure distribution by rating</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">AAA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">AA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">A</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">BBB</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Less than BBB</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.85pt">Internal ratings are applied.</span></div></div></div><div style="margin-bottom:9pt;margin-top:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Sovereign exposure at the end of December 2025 is shown in the table below (data in million euros):</span></div><div style="margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:18.307%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.566%"></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:12.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.307%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.162%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portfolio</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span><br/></span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial&#160;assets <br/>at&#160;fair&#160;value <br/>through&#160;other <br/>comprehensive <br/>income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial <br/>assets&#160;at <br/>amortised&#160;cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-trading financial assets mandatory at fair value through profit or loss</span></td><td colspan="3" style="padding:2px 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:105%">Total net direct exposure</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Total net direct exposure</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%">3,852&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%">112&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%">58,044&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%">62,008&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%">56,293&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(659)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,199&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,767&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,307&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,652&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,875&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">440&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,557&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,872&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,915&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Greece</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest Eurozone</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,684&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">254&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,443&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,381&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,212&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">UK</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">907&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,001&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,687&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,595&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,772&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Poland</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,141&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,339&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,333&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,813&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,286&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">526&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">534&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">954&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,783&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,320&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,943&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,046&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24,926&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,089&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,533&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,543&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,165&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,641&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,663&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,652&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,599&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,914&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,642&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">676&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,666&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,254&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,596&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,900&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of America</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,593&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,654&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,151&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,398&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,431&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of the World</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">211&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,128&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,356&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,003&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">38,785</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">35,187</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">150,975</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">224,947</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">198,627</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:115%;position:relative;top:-2.44pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> Risks with domestic public or private borrowers in foreign currency and originated outside the country.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:115%;position:relative;top:-2.44pt;vertical-align:baseline">2 </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Countries that are not considered low risk by Banco de Espa&#241;a.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt"><span id="i9f00c659b93b43b8a7de7a99afa8d396"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">5. Forborne loan portfolio</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:130%">The customer debt redirection policy incorporates the regulatory requirements of the EBA guidelines on the management of non-performing exposures, refinancing and restructuring. This policy acts as a reference for the transposition in our subsidiaries and shares the applicable supervisory expectations.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This policy also sets down rigorous criteria for evaluating, classifying and monitoring forbearances to support the strictest possible care and diligence in recovering due amounts. Thus, it dictates that Santander must adapt payment obligations to customers' current circumstances. Our forbearance policy also defines classification criteria to support Grupo Santander recognizes risks appropriately. </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:130%">Forbearances must remain classified as non-performing or in watch-list for a prudential period for reasonable certainty of repayment. In no case will repayments be used to delay the immediate recognition of losses or so that their use distorts the timely recognition of the risk of non-payment.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025, forbearance stock fell again and stood at EUR 25,235&#160;million, due to the good payment behaviour in the main geographies. In terms of credit quality, 53% of the loans is classified as credit impaired, with a coverage ratio of 41%. In addition, 47% of the portfolio is classified as performing.</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:130%">The following terms are used with the meanings specified below:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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 there of in due time and form.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:27.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.606%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Current refinancing and restructuring balances</span></td></tr><tr><td colspan="24" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Amounts in EUR million, except number of transactions that are in units</span></td></tr><tr><td colspan="24" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Without&#160;real&#160;guarantee</span></td><td colspan="12" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">With&#160;real&#160;guarantee</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:26pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Maximum amount of the actual collateral that can be considered</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impairment of accumulated value or accumulated losses in fair value due to credit risk</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Number of transactions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Gross amount</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Number of transactions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Real estate guarantee</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Rest of real guarantees</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit entities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Public sector</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other financial institutions and: individual shareholder</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">933&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">94&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">462&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">182&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">117&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">15&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">94&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non-financial institutions and individual shareholder</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">489,192&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5,095&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">42,700&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5,596&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,271&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">923&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,713&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Of which financing for constructions and property development</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">249&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">21&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">523&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">739&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">695&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">75&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other warehouses</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,000,071&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4,556&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">515,253&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">9,699&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,752&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,777&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,665&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">3,490,210</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">9,751</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">558,424</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">15,484</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">7,145</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">4,715</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">6,480</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financing classified as non-current assets and disposable groups of items that have been classified as held for sale</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">13,499&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">261&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4,630&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">566&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">406&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">171&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:24.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.718%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Current refinancing and restructuring balances</span></td></tr><tr><td colspan="24" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Amounts in EUR million, except number of transactions that are in units</span></td></tr><tr><td colspan="24" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="24" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Of&#160;which,&#160;non-performing/Doubtful</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Without&#160;real&#160;guarantee</span></td><td colspan="12" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">With&#160;real&#160;guarantee</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:26pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Maximum amount of the actual collateral that can be considered</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impairment of accumulated value or accumulated losses in fair value due to credit risk</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Number of transactions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Gross amount</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Number of<br/>transactions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Real estate guarantee</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Rest of real guarantees</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit entities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Public sector</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other financial institutions and: individual shareholder</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">579&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">259&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">75&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">89&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non-financial institutions and individual shareholder</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">296,008&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,901&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">26,767&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,585&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,166&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">420&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,420&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Of which financing for constructions and property development</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">167&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">264&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">156&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">115&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other warehouses</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,620,343&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,401&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">296,470&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5,313&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,730&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,232&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,991&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Total</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,916,935</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">5,354</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">323,505</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">7,980</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,923</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,663</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">5,508</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financing classified as non-current assets and disposable groups of items that have been classified as held for sale</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">6,901&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">120&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,720&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">235&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">110&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">145&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">In 2025, the amortised cost of financial assets whose contractual cash flows were modified during the year when the corresponding loss adjustment was valued at an amount equal to the expected credit losses over the life of the asset amounted to EUR 3,031 million (3,940&#160;million in 2024), without these modifications having a material impact on the income statement. Also, during 2025, the total of financial assets that have been modified since the initial recognition, and whose correction for expected loss has gone from being valued during the entire life of the asset to the following twelve months, amounts to EUR 2,092 million (2,950&#160;million in 2024).</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:130%">The transactions presented in the foregoing tables were classified at 31 December 2025 by nature, as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Credit impaired: Operations that rest on an inadequate payment scheme will be classified within the non-performing category, regardless they include contract clauses that delay the repayment of the operation throughout regular payments or present amounts written off the balance sheet for being considered irrecoverable.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Performing: Operations not classifiable as non-performing will be classified within this category. Operations will also be classified as normal if they have been reclassified from the non-performing category for complying with the specific criteria detailed below:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">A period of a year must have passed from the refinancing or restructuring date.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The owner must have paid for the accrued amounts of the capital and interests, thus reducing the rearranged capital amount, from the date when the restructuring of refinancing operation was formalised.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The owner must not have any other operation with amounts past due by more than 90 consecutive days of material delay on the date of the reclassification to the normal risk category.  </span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Attending to the credit attention 47% of the forborne loan transactions are classified as other than non-performing. Particularly noteworthy are the level of existing guarantees (47% of transactions are secured by collateral) and the coverage provided by specific allowances (representing 26% of the total forborne loan portfolio and 41% of the non-performing portfolio).</span></div><div style="margin-bottom:3pt;margin-top:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span id="ie941d54abac046e1a063b63957282601"></span><span style="background-color:#ffffff;color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">c) Market, structural and liquidity risk</span></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:9.07pt;text-indent:-9.07pt"><span id="i9b68c15dcb5545ebab3b81ef00d62db5"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">1. Activities subject to market risk and types of market risk</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:130%">Activities exposed to market risk encompass transactions where risk is assumed as a consequence of potential changes in interest rates, inflation rates, exchange rates, stock prices, credit spreads, commodity prices, volatility and other market factors; the liquidity risk from our products and markets, and the balance-sheet liquidity risk. Therefore, they include trading risks and structural risks.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Interest rate risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> arises from movements in interest rates that reduce the value of a financial instrument, a portfolio or the Grupo Santander. It can affect loans, deposits, debt securities, most assets and liabilities held for trading, and derivatives. </span></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Inflation rate risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> arises from movements in inflation that can reduce the value of a financial instrument, a portfolio or the entire group. It can affect loans, debt securities and derivatives (e.g. inflation swaps and futures) whose profitability is linked to inflation.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Exchange rate risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> is the possibility of loss because the currency of a long or open position will depreciate against the base currency. It can affect debt in subsidiaries whose local currency is not the euro, as well as loans denominated in a foreign currency.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Equity risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> is the possibility of loss from open positions in securities if their market price or expected future dividends fall. It affects shares, stock market indices, convertible bonds and derivatives with shares as the underlying asset (put, call, equity swaps, etc.).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Credit spread risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> is the possibility of loss from open positions in fixed-income securities or credit derivatives if their yield curve, or the recovery rate of their issuer or type change. A spread is the yield difference between financial instruments against a benchmark (e.g. the internal rate of return (IRR) of government bonds and interbank interest rates).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Commodity price risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> is the possibility of loss from movements in commodity prices. Grupo Santander's commodity exposure is minor and stems mainly from commodity derivatives.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Volatility risk</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> is the possibility of loss caused by movements in interest rates, exchange rates, the stock market, credit spreads and other risk factors affecting portfolio value. It is inherent to all financial instruments whose value considers volatility (especially options contracts).</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:130%">Derivative contracts (such as options, futures, forwards and swaps) can mitigate market risks partially or fully.</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:130%">Additionally, other more complex coverage market risks are considered, such as correlation risk, market liquidity risk, prepayment or cancellation risk and subscription risk.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Correlation risk is the possibility of loss due to an adverse correlation between risk variables that affect portfolio value. Risk variables could be the same (e.g. two FX rates) or different (e.g. an interest rate and a commodity price).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Market liquidity risk is the possibility that fewer market makers or institutional investors, a large number of transactions, market instability and other factors will cause the Group or a subsidiary to exit a position at a worse market price or trade cost. Exposure to different products and currencies can also increase this risk.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Pre-payment or cancellation risk originates when mortgages, deposits and other on-balance-sheet instruments give holders the option to buy or sell them, thus altering future cash flows. Potential mismatches on the balance sheet pose a risk since cash flows may have to be reinvested at an interest rate that is potentially lower (assets) or higher (liabilities).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Underwriting risk is the possibility that the bank will have to hold part of a debt issue it has underwritten or agreed to place if it cannot all be placed among potential buyers.</span></div></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:130%">Balance sheet liquidity risk (unlike market liquidity risk) is the possibility of loss caused by forced disposal of assets or cash flow imbalance if the bank meets its payment obligations late or at excessive cost. It can cause losses by forced asset sales or impacts on margins due to the mismatch between expected cash inflows and outflows.</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:130%">Pension and actuarial risks (explained at the end of this section) also depend on market variables.</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:130%">Grupo Santander aim to comply with the Basel Committee&#8217;s Fundamental Review of the Trading Book (FRTB) and the EBA&#8217;s Guidelines on the management of interest rate risk arising from non-trading book activities. The purpose of several projects Grupo Santander runs is to provide risk control managers and teams with the best market risk management tools under the right governance framework for the models Grupo Santander uses for metric reporting; and to comply with regulation on the risks mentioned above.</span></div>. Trading market risk management<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Setting market risk limits in a dynamic process according to the risk appetite in the annual limits plan prepared by senior management and extended to all subsidiaries. </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:130%">The standard methodology for risk management and control in trading, measures the maximum expected loss with a specific level of confidence and time frame. The standard for historical simulation is a confidence level of 99% over one day. </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:130%">Grupo Santander applies statistical adjustments efficiently to incorporate recent developments affecting our levels of risk. Our time frame is two years or at least 520 days from the reference date of the VaR calculation.</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:130%">The balance sheet items in the Group&#8217;s consolidated position that are subject to market risk are shown below, distinguishing those positions for which the main risk metric is VaR from those for which risk monitoring is carried out using other metrics:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:50.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.939%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Risk metric values on the consolidated balance sheet</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</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></tr><tr><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Main market risk metric</span></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Balance sheet amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">VaR</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td><td colspan="3" style="padding:2px 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:105%">Main risk factor for 'Other' balance</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets&#160;subject&#160;to&#160;market&#160;risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash, cash balances at central banks and other deposits on demand</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">152,281&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">152,281&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">252,318&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">252,318&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,761&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,815&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,946&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,046&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,046&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">74,612&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,281&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">72,331&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at amortized cost</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,202,689&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,202,689&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,931&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,931&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, exchange rate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other assets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">165,827&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,867,515</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities subject to market risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">171,546&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">171,546&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">42,148&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">42,148&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,421,184&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,421,184&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,248&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,248&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, exchange rate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">49&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">49&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">115,592&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,754,767</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">112,748</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table displays the latest and average VaR values at 99% by risk factor over the last three years. It also shows the minimum and maximum VaR values in 2025 and 97.5% ES at the end of December 2025:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:22.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.201%"></td><td style="width:0.1%"></td></tr><tr><td colspan="36" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">VaR statistics and expected shortfall by risk factor</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">A</span></div></td></tr><tr><td colspan="36" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million. VaR at 99% and ES at 97.5% with one day time horizon</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td><td colspan="12" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">VaR&#160;(99%)</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ES (97.5%)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">VaR</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">VaR</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Min</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Average</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Max</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Latest</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Latest</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Average</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Latest</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Average</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Latest</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">29.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">16.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Diversification effect</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(10.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(21.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(59.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(17.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(18.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(19.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(27.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(14.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(17.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Credit spread</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Commodities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Europe</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">28.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">16.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Diversification effect</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(8.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(18.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(32.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(15.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(17.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(15.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(18.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(10.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(13.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Credit spread</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Commodities</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.1&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.2&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.3&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.1&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.1&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.2&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.1&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.2&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.3&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total North America</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">8.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Diversification effect</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equities</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.1&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.1&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total South America</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">16.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Diversification effect</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(28.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(8.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Commodities</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.1&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.0&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.8&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.3&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.2&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.1&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.6&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.6&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. In South and North America, VaR levels of credit spreads and commodities are not shown separately due to their low or null materiality.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">VaR at the end of December (EU</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">R 18.7&#160;million) was only EUR 0.03&#160;million lower compared to the end of 2024, reflecting sustained high market volatility, ongoing geopolitical risk and concerns over inflation trends, which could pick up again as a result of new US trade policies. </span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">By risk factor, average VaR (EUR 17.6&#160;million) hig</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">her across several risk factors, especially for foreign exchange, with high market volatility for certain currencies such as the US dollar and the Argentine peso. Temporary spikes in VaR across the different factors generally reflect isolated increases in market price volatility rather than significant changes in positions.</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:130%">By region, average VaR was higher than the 2024 average in Europe, mainly due to interest rate and foreign exchange risk factors, while it was lower in North America and South America.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span id="ibfa0a7b1fe7d4aa68fae528c98e7dc65"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Backtesting</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:130%">Actual losses can differ from predicted losses because of the VaR&#8217;s limitations. Grupo Santander measures the accuracy of the VaR calculation model to make sure it is reliable. The most important tests Grupo Santander runs involve backtesting:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In hypothetical P&amp;L backtesting and for the total portfolio, two exceptions (a daily loss higher than VaR or a daily gain higher than VaE) were observed in 2025 for VaR at a 99% confidence level, on 9 and 11 April, as a result of high market volatility, mainly driven by uncertainty over the potential impact of new US trade policies.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The exceptions observed in the past year are consistent with the assumptions of the VaR calculation model.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span><br/></span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="ia032f756e2bd4e34a25ab01c83fb3290"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">3. Structural balance sheet risks</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="i535548d3a1834127a3a53d0be7295962"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">3.1. Main aggregates and variations</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:130%">Consistent with previous years, the market risk profile of Grupo Santander&#8217;s balance sheet remained moderate in 2025 in terms of asset, shareholders&#8217; equity and NII volumes.</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:130%">Each subsidiary&#8217;s finance division manages interest rate risk from commercial banking and is responsible for handling structural risk from interest rate fluctuations. </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:130%">To measure interest rate risk, Grupo Santander uses statistical models based on strategies to mitigate structural risk with interest-rate instruments (such as bonds and derivatives) to keep risk profile within risk appetite.</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:130%">The NII and EVE sensitivities below are based on scenarios of parallel interest rate movements from -100 to +100 basis points.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i2d4b3305f22d496b9104e127c128afe8"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Structural VaR</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:130%">With such a homogeneous metric as VaR, Grupo Santander can fully monitor market risk in the banking book (excluding CIB trading activity). The Bank differentiates fixed income based on interest rates and credit spreads in ALCO portfolios, FX rates and shares.</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:130%">In general, the structural VaR of Grupo Santander tota</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">l assets and equity is minor</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:23.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.941%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="border-bottom:1pt solid #ec0000;padding:2px 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:105%">Structural VaR</span></td></tr><tr><td colspan="27" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million. Structural VaR 99% with a temporary horizon of one day.</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 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:105%">2025</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Min</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Max</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Latest</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Latest</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Latest</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">Structural VaR</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">598.5</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">662.9</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">751.9</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">690.1</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">747.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">687.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">705.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">749.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Diversification effect</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(155.9)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(258.4)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(265.6)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(206.6)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(386.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(268.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(416.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(444.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">VaR Interest Rate</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">158.3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177.3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">205.8&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177.6&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">412.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">235.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">348.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">380.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">VaR Exchange Rate</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">486.0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">597.7&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">648.7&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">572.4&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">571.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">594.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">580.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">642.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">VaR Equities</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">110.1&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">146.3&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">163.0&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">146.7&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">150.4&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">126.5&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">192.8&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">171.1&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:18pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"> Includes credit spread VaR on ALCO portfolios.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i8518a862271b445daf6d058eb5fa985b"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Structural interest rate risk</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Europe</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </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:130%">At the end of December, net interest income (NII) for our main balance sheets showed positive sensitivity to interest rate increases. As of the same date, the economic value of equity (EVE) showed negative sensitivity to interest rate increases.</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:130%">At </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">the end of December 2025, under the scenarios previously described, the most significant NII sensitivity risk was concentrated in the euro, at EUR 561&#160;million; the pound sterling, EUR 169&#160;million; the Polish z&#322;oty, EUR 51&#160;million; and the US dollar, EUR 50&#160;million, all linked to interest rate cut risk.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The most significant risk to the economic value of equity was concentrated in the euro yield curve, at EUR 1,087&#160;million; in pound sterling, at EUR 614&#160;million; the Polish z&#322;oty, at EUR 275&#160;million euros; and the US dollar, at EUR 104&#160;million euros, all linked to interest rate rise risk.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Exposure was moderate in relation to annual budget and capital levels in 2025. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">North America</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At the end of December, net interest income (NII) for our North America balance sheets showed positive sensitivity to interest rate increases in the United States, while showing negative sensitivity to the same scenario in Mexico. In both cases, the economic value of equity (EVE) showed negative sensitivity to interest rate increases.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Exposure was moderate in relation to annual budget and capital levels in 2025.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At the end of December 2025, significant risk to NII was mainly in the US and amounted to EUR 49&#160;million.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The most significant risk to EVE was in the US and amounted to EUR 570&#160;million.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">South America</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">EVE and NII on our main South American balance sheets are generally positioned for interest rate cuts.</span></div></div></div><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2025, exposure across all countries remained moderate in relation to the annual budget and capital levels.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At the end of December, the most significant risk to NII was mainly in Brazil (EUR 57&#160;million).</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Most significant risk to EVE was recorded in Brazil (EUR 257&#160;million) and in Chile (EUR 225&#160;million).</span></div><div style="margin-bottom:1pt;margin-top:9pt"><span id="i2b37f6b20c8f4432b2eb51e30f3ede6b"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Structural foreign currency rate risk/results hedging</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:130%">Grupo Santander's structural FX risk stems mainly from the income and hedging of foreign currency transactions for permanent financial investments. In the dynamic management of this risk, Grupo Santander aims to limit the impact of FX rate movements on the core capital ratio. In 2025, the hedged of the different currencies that have an impact on our core capital ratio was close to 100%.</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:130%">In December 2025, the largest permanent exposures (with their potential impact on equity) were, in this order, in pound sterling, US dollars, Brazilian reais, Mexican pesos, Polish zlotys and Chilean pesos.</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:130%">Grupo Santander uses FX derivatives to hedge part of those permanent positions. The Finance division manages FX risk and hedging for the expected profits and dividends of subsidiaries whose base currency is not the euro.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i14eb2ea9a129403ba871dd6706dd7559"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Structural equity risk</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:130%">Grupo Santander holds equity positions in its banking and trading books. They are either equity instruments or stock, depending on the share of ownership or control. </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:130%">At the end of December 2025, the equities and shareholdings in the banking book were diversified among Spain, China, Morocco, Poland and other countries. Most of them invest in the financial and insurance sectors. Grupo Santander has minor equity exposure to property and other sectors.</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:130%">Structural equity positions are exposed to market risk. The Group calculates its VaR with a set of market prices and proxies. At the end of the year 2025, VaR at a 99% confidence level over a one-day horizon was</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> EUR </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">147&#160;million (EUR 127&#160;million and EUR 171&#160;million in 2024 and 2023, respectively). </span></div><div style="margin-bottom:1pt;margin-top:9pt"><span id="i0814151285264dbe8cbf5f41310861ac"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">3.2. Methodologies</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="ifd7394a07516488e975975fc35a71247"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Structural interest rate risk</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:130%">Grupo Santander measures the potential impact of interest rate movements on EVE and NII. Because changing rates may generate impacts, Grupo Santander must manage and control many subtypes of interest rate risk, such as repricing risk, curve risk, basis risk and option risk (e.g. behavioural or automatic).</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:130%">Interest rate risk in the balance sheet and market conditions and outlooks could necessitate certain financial measures to achieve Grupo Santander's desired risk profile (such as selling positions or setting interest rates on products Grupo Santander markets). </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:130%">The metrics Grupo Santander uses to monitor IRRBB include NII and EVE sensitivity to interest rate movements.</span></div></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Net interest income sensitivity</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:130%">Net interest income (NII) is the difference between interest income from assets and the interest cost of liabilities in the banking book over a typical one- to three-year horizon (one year being standard in Grupo Santander). Because NII sensitivity is the difference in income between a selected scenario and the base scenario, its values can be as many as considered scenarios. It enables us to see short-term risks and supplement economic value of equity (EVE) sensitivity.</span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt">Economic value of equity sensitivity</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:130%">Economic value of equity (EVE) is the difference between the current value of all assets minus the current value of all liabilities in the banking book. It does not include shareholders&#8217; equity and non-interest-bearing instruments. The sensitivity of the economic value of own funds is obtained as the difference between said economic value calculated with a selected scenario and that calculated with a base scenario.</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:130%">Because EVE sensitivity is the difference in EVE between a selected scenario and the base scenario, it can have as many values as considered scenarios. It enables us to see long-term risks and supplement NII sensitivity.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i480b1db7bdd34753b2a4fd729f961a83"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Structural exchange-rate risk/hedging of results</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:130%">Every day, Grupo Santander measures FX positions, VaR and P/L.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i497716eef2bc40598b5ea0cddd344c3a"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Structural equity risk</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:130%">Grupo Santander measures equity positions, VaR and P/L.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i961bc18cdc8c4162a13769f6b4b8e8e9"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">4. Liquidity risk</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:130%">Structural liquidity management aims to fund the Group&#8217;s recurring activity optimising maturities and costs, while avoiding taking on undesired liquidity risks.</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:130%">Santander&#8217;s liquidity management is based on the following principles:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Define liquidity risk and provide detailed assessments of current and emerging material liquidity risks.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Define liquidity risk metrics, review and challenge liquidity risk appetite and limits on first line of defence proposals.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Evaluates and challenges commercial/business proposals; It provides senior management and business units with the necessary elements to understand the liquidity risk of Santander's businesses and operations.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Supervise the liquidity risk management of the first line of defence and assess the permanence of businesses within the limits of liquidity risk.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Reports on compliance with risk appetite limits and exceptions, if any, to governing bodies.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Provides a consolidated view of liquidity risk exposures and liquidity risk profile.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Confirms the existence of adequate liquidity procedures to manage the business within the limits of risk appetite.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The effective application of these principles by all institutions comprising the Group required the development of a unique management framework built upon three fundamental pillars:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">A solid organisational and governance model that supports the involvement of the subsidiaries&#8217; senior management in decision-taking and its integration into the Group&#8217;s global strategy. The decision-making process for all structural risks, including liquidity and funding risk, is carried out by local Asset and Liability Committees (ALCOs) in coordination with the global ALCO, which is the body empowered by the Bank's board in accordance with the corporate Asset and Liability Management (ALM) framework.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This governance model has been reinforced as it has been included within Santander's Risk Appetite Framework. This framework meets demands from regulators and market players emanating from the financial crisis to strengthen banks&#8217; risk management and control systems.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">In-depth balance sheet analysis and measurement of liquidity risk, supporting decision-taking and its control. The Group objective is to maintains adequate liquidity levels necessary to cover its short- and long-term needs with stable funding sources, optimising the impact of their costs on the income statement. Grupo Santander&#8217;s liquidity risk management processes are contained within a conservative risk appetite framework established in each geographic area in accordance with its commercial strategy. This risk appetite establishes the limits within which the subsidiaries can operate in order to achieve their strategic objectives.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Management adapted in practice to the liquidity needs of each business. Every year, based on business needs, a liquidity plan is developed which seeks to achieve:</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:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.6pt">a solid balance sheet structure, with a diversified presence in the wholesale markets;</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:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.6pt">the use of liquidity buffers and limited encumbrance of assets;</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:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.6pt">compliance with both regulatory metrics and other metrics included in each entity&#8217;s risk appetite statement.</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:130%">Over the course of the year, all dimensions of the plan are monitored.</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:130%">Grupo Santander continues to develop the ILAAP (Internal Liquidity Adequacy Assessment Process), an internal self-assessment of liquidity adequacy which must be integrated into the Group&#8217;s other risk management and strategic processes. It focuses on both quantitative and qualitative matters and is used as an input to the SREP (Supervisory Review and Evaluation Process). The ILAAP evaluates the liquidity position both in ordinary and stressed scenarios.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="id4633604db344e14a063b8fe9c44fcf5"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">i.<span id="iddd66a3a1ec04309b6a9f456f1d6c741_12537"></span> Liquidity risk measurement</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:130%">Grupo Santander uses the Basel regulatory definition and calculates a set of metrics and stress scenarios in relation to intraday liquidity risk to maintain a high level of management and control. On the one hand, the regulatory liquidity metrics (LCR, NSFR) are prepared following the regulatory criteria established in the CRR 2 and CRD IV. Regarding internal metrics, liquidity scenarios are determined using a combination of behavioral observation in actual liquidity crises occurred at other banks, regulatory assumptions and expert judgment.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i77ad8137d238491891a980d29f071db8"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">a) Liquidity Coverage Ratio (LCR)</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:130%">The liquidity coverage ratio (LCR) is a regulatory metric. Its purpose is to promote the short-term resilience of a bank&#8217;s liquidity profile and make sure it has enough high-quality liquid assets to withstand a considerable idiosyncratic or market stress scenario over 30 calendar days.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4a2088dc7ebb4c7f94df87c15842a067"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">b) Net Stable Funding Ratio (NSFR)</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:130%">The net stable funding ratio (NSFR) is a regulatory metric we use to measure long-term liquidity risk. It is the ratio of available stable funding to required stable funding. It requires banks to keep a robust balance sheet, with off-balance-sheet assets and operations financed by stable liabilities.</span></div><div style="margin-bottom:1pt;margin-top:9pt"><span id="i330076dffb8246c88382ba2f8d64cb3e"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">c) Liquidity buffer</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:130%">The liquidity buffer is the total liquid assets a bank has to cope with cash outflows during periods of stress. The assets are free of encumbrances and can be used immediately to generate liquidity without losses or excessive discounts. The liquidity buffer is a tool for calculating most liquidity metrics. It is also a metric with defined limits for each subsidiary.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i12044e75974e499f96d7213ea7b9f141"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">d) Wholesale liquidity metric</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:130%">The wholesale liquidity metric measures the number of days Grupo Santander would survive if it used liquid assets to cover lost liquidity from a wholesale deposit run-off (without possible renewal) over a set time horizon. Grupo Santander also uses it as an internal short-term liquidity metric to reduce risk from dependence on wholesale funding.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="iec4cd74039d9440b9a9912f13314a7ea"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">e) Asset Encumbrance metrics</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:130%">Grupo Santander calculates two metrics to measure asset encumbrance risk. On the one hand, the asset encumbrance ratio gives the proportion of encumbered assets to total assets; on the other, the structural asset encumbrance ratio gives the proportion of encumbered assets by structural funding transaction (namely long-term collateralized issues and credit transactions with central banks).</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i0082792b661348e4b664760318dd9075"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">f) Other additional liquidity indicators</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:130%">In addition to traditional tools to measure short and long-term liquidity and funding risk, Grupo Santander has a set of additional liquidity indicators to complement those and to measure other non-covered liquidity risk factors. These include concentration metrics, such as the main and the five largest funding counterparties, or the distribution of funding by maturity. </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:130%">In this sense, deposits do not show a tendency towards concentration, maintaining a stable structure at 31 December 2024, where approximately 75% are transactional and more than 80% of retail deposits are insured by deposit guarantee systems of the different countries.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i130c0a567490429ab6fdabc9d172624c"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">g) Liquidity scenario analysis</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:107%">As liquidity stress tests, five standard scenarios have been defined:</span></div><div><span><br/></span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">i.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:9.97pt">An idiosyncratic scenario of events detrimental only to Santander;</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:7.94pt">a local market scenario of events highly detrimental to a base country&#8217;s financial system or real economy;</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">iii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.91pt">a global market scenario of events highly detrimental to the global financial system; and</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">iv.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.94pt">combined scenario consisting of a combination of more severe idiosyncratic and market events (local and global) occurring simultaneously and interactively. </span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">v.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:7.97pt">climate scenarios where different stress cases derived from the effects that climate change could have on the economy are collected.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander uses these stress test outcomes as tools to determine risk appetite and support business decision-making.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i8dcf1775dd6b4837967c7719b1605c24"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">h) Liquidity early warning indicators</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:130%">Early warning indicator system consists of quantitative and qualitative liquidity indicators that help predict stress situations and weaknesses in the funding and liquidity structure of Grupo Santander entities. External indicators relate to market-based financial variables; internal indicators relate to our own performance.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ibe9667c72272427e9af7cacae183b23b"></span><span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">i) Intraday liquidity metrics</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:130%">Grupo Santander follows Basel regulation and calculates several metrics and stress scenarios for intraday liquidity risk to maintain a high level of control.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i81e8c762c7a04f59abe3fc3d8615913e"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">ii. Liquidity coverage ratio and net stable financing ratio</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:130%">The regulatory requirement for the LCR ratio has been set at 100% since 2018.</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:130%">Below is a breakdown of the Group's liquid assets composition according to the criteria established in the supervisory prudential information (Commission Implementing Regulation (EU) 2017/2114 of 9 November 2017) for the determination of high-quality liquid assets for the calculation of the LCR ratio (HQLA):</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:47.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.183%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.183%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.186%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Amount weighted applicable</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Amount weighted applicable</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Amount weighted applicable</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">High-quality liquid assets-HQLAs</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Cash and reserves available at central banks</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">150,883&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">188,745&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">217,935&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Marketable assets Level 1</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">173,744&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">150,912&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">119,043&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Marketable assets Level 2A</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5,726&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,696&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,236&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Marketable assets Level 2B</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7,584&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,951&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,814&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total high-quality liquid assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">337,937</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">351,304</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">348,028</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:47.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.183%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.183%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.186%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million </span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">High-quality liquid assets-HQLAs (numerator)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">301,618</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">315,524</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">348,028</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Total net cash outflows (denominator)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">208,388</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">206,889</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">209,892</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Cash outflows</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">287,044</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">278,760</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">282,982</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Cash inflows</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">78,656</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">71,871</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">73,090</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated LCR ratio (%)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">145</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">153</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">166</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Group LCR ratio (%)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">155</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">168</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">NSFR ratio (%)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">126</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">126</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">123</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr></table></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:130%">Since 2024, the calculation of the consolidated LCR ratio has been updated to comply with a series of requirements regarding asset transferability restrictions in third countries. This new consolidated ratio includes an adjustment whereby any excess liquidity above 100% of LCR outflows, which is subject to transferability restrictions (legal or operational) in third countries, is not taken into account. This applies even if the surplus liquidity can be used to cover additional outflows within the country itself, which is not subject to any restrictions.</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:130%">The total high-quality liquid assets differ from the high-quality liquid assets (HQLAs) considered as the numerator within the consolidated LCR ratio, due to the aforementioned adjustment.</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:130%">In addition, since 2024, we have been calculating a Group LCR ratio using an internal methodology that determines the minimum common coverage percentage simultaneously across all the Group's markets and considers all existing restrictions on liquidity transfers in third countries. This methodology reflects the Group's resilience to liquidity risk more accurately and the internal ratio presents a level that is consistent with what would be achieved by applying the criteria followed until mid-2024, which did not include restrictions on liquidity transfers between subsidiaries.</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:130%">Regarding the net stable funding ratio (NSFR), its definition was approved by the Basel Committee in October 2014. The transposition of this requirement into European regulation took place in June 2019 with the publication in the Official Journal of the European Union of Regulation (EU) 2019/876 of the European Parliament and of the Council of 20 May 2019. The Regulation establishes that entities must have a net stable funding ratio, as defined in the Regulation, above 100% from June 2021.</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:130%">As for the funding structure, given the inherently commercial nature of the Group's balance sheet, the loan portfolio is mainly financed by customer deposits. In note 22, 'Debt securities,' the composition of these liabilities is presented based on their nature and classification, the movements and maturity profile of the debt securities issued by the Group, reflecting the strategy of diversification by products, markets, issuers, and terms followed by the Group in its approach to wholesale markets.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i5ac3dded9c2b440a9266b0423c0b9a10"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">iii. Asset encumbrance</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:130%">Finally, the moderate use of assets by Grupo Santander as collateral in the sources of structural financing of the balance sheet should be highlighted.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In accordance with the guidelines established by the European Banking Authority (EBA) in 2014 on committed and uncommitted assets, the concept of assets committed in financing transactions (asset encumbrance) includes both on-balance sheet assets provided as collateral in transactions to obtain liquidity and off-balance sheet assets that have been received and reused for similar purposes, as well as other assets associated with liabilities for reasons other than financing.</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:130%">The residual maturities of the liabilities associated with the assets and guarantees received and committed are presented below, as of 31 of December of 2025 (EUR billion):</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:12.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.574%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Residual maturities of the liabilities</span></td><td colspan="3" style="padding:2px 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:105%">Unmatured</span></td><td colspan="3" style="padding:2px 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:105%">&lt;=1month</span></td><td colspan="3" style="padding:2px 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:105%">&gt;1 month<br/>&lt;=3 months</span></td><td colspan="3" style="padding:2px 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:105%">&gt;3 months<br/>&lt;=12 months</span></td><td colspan="3" style="padding:2px 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:105%">&gt;1 year<br/>&lt;=2 years</span></td><td colspan="3" style="padding:2px 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:105%">&gt;2 years<br/>&lt;=3 years</span></td><td colspan="3" style="padding:2px 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:105%">3 years<br/>&lt;=5 years</span></td><td colspan="3" style="padding:2px 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:105%">5 years<br/>&lt;=10 years</span></td><td colspan="3" style="padding:2px 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:105%">&gt;10 years</span></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Committed assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">306.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Guarantees received committed</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.2&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">85.2&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28.2&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">61.8&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.0&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.8&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.9&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.1&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">185.2&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The reported Group information as required by the EBA at 2025 year-end is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:31.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.643%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">On-balance-sheet encumbered assets</span></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="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR billion</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></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Carrying amount of encumbered assets</span></td><td colspan="3" style="padding:2px 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:105%">Fair value of encumbered assets</span></td><td colspan="3" style="padding:2px 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:105%">Carrying amount of unencumbered assets</span></td><td colspan="3" style="padding:2px 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:105%">Fair value of unencumbered assets</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,149.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">118.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">182.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">180.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other assets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">212.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total assets</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">304.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,562.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr></table></div><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:38.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:28.220%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:29.766%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Encumbrance of collateral received</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR billion</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></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Fair value of encumbered collateral received or own debt securities issued</span></td><td colspan="3" style="padding:2px 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:105%">Fair value of collateral received or own debt securities issued available for encumbrance</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Collateral received</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">185.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">70.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">172.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other collateral received</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Own debt securities issued other than own covered bonds or ABSs</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:38.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:28.220%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:29.766%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Encumbered assets and collateral received and matching liabilities</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR billion</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></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Matching liabilities, contingent liabilities or securities lent</span></td><td colspan="3" style="padding:2px 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:105%">Assets, collateral received and own debt securities issued other than covered bonds and ABSs encumbered</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total sources of encumbrance<br/>(carrying amount)</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">472.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">491.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">On-balance-sheet encumbered assets amounted to EUR&#160;304,923&#160;million, of which close to 50% are loans (mortgage loans, corporate loans, etc.). Guarantees received committed amounted to EUR 185,160&#160;million, relating mostly to debt securities received as security in asset purchase transactions and re-used. </span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Taken together, these two categories represent a total of EUR 491,519&#160;million of encumbered assets, which give rise to EUR 472,045&#160;million matching liabilities.</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:130%">As</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> of December 2025, total asset encumbrance in funding operations represented 23.1% of the Group&#8217;s extended balance sheet under EBA criteria (total assets plus guarantees received: EUR 2,122,932&#160;million), similar to December 2024.</span></div><div style="margin-bottom:6pt;margin-top:9pt"><span id="i300abcc3814d43299c237a56b0bccbc4"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">d)&#160;Capital risk</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:130%">The second line of defence can independently challenge business and first-line activities by:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Supervising capital planning and adequacy exercises through a review of the main components affecting the capital ratios.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Identifying key metrics to calculate the Group&#8217;s regulatory capital, setting tolerance levels and analysing significant variations, as well as single transactions with impact on capital.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Reviewing and challenging the execution of capital actions proposed in line with capital planning and risk appetite.</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:130%">Grupo Santander commands a sound solvency position, above the levels required by regulators and by the European Central bank.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ie664c9da0d6b44e3874d8d25732e8429"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Regulatory capital</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:130%">At 31 December 2025, at a consolidated level, the Group must main</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">tain a minimum capital ratio of 9.84% of CET1 ( 4.50% being the requirement for Pillar I, 0.98% being the requirement for Pillar 2R (requirement), 2.50% being the requirement for capital conservation&#160;buffer, 1.25% being the requirement for global systemically entity (D-SIB), 0.55% being the requirement for anti-cyclical capital buffer) and a systemic risk requirement of 0.05%</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander must also maintain a minimum capital ratio of 11.66% of tier 1 and a minimum total ratio of 14.10%.</span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2025, the solvency target set was achieved. Santander&#8217;s CET1 ratio stood at 13.46%</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">1 </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">at t</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">he close of the&#160;year, demonstrating its organic capacity to generate capital. The key regulatory capital figures are indicated below:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"><tr><td style="width:1.0%"></td><td style="width:53.389%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.070%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.070%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.071%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Reconciliation of accounting capital with regulatory capital</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</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></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Subscribed capital</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,345&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,576&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,092&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Share premium account</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,792&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,079&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,373&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reserves</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">84,700&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76,568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69,278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Treasury shares</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(96)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(68)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,078)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Attributable profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,101&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,574&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,076&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Approved dividend</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,698)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,532)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,298)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Shareholders&#8217; equity on public balance sheet</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">141,144</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">135,197</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">130,443</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Valuation adjustments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(37,973)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(36,596)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(35,020)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,578&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,726&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,818&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Equity on public balance sheet</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">112,748</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">107,327</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">104,241</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Goodwill and intangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15,037)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16,098)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(17,313)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Eligible preference shares and participating securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,645&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,371&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,002&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Accrued dividend</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,827)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,611)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,471)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other adjustments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11,146)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9,817)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8,717)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Tier 1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">94,383</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">90,172</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">85,742</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Fundamentally for non-computable non-controlling interests and deductions and reasonable filters in compliance with CRR.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Figures calculated by applying the transitional provisions of CRR 3.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Assumes 25% of underlying profit, see note 4.a for proposed distribution of results.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: Certain figures presented in this capital note have been rounded for ease of presentation. Consequently, the amounts corresponding to the rows or columns of totals in the tables presented in this note may not coincide with the arithmetic sum of the concepts or items that make up the total.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:130%;position:relative;top:-2.44pt;vertical-align:baseline">1 </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">Data calculated applying the transitional provisions of CRR 3.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table shows the capital coefficients and a detail of the eligible internal resources of the Group:</span></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:50.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.951%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Capital coefficients</span></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="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</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></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level 1 ordinary eligible capital (EUR million)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">84,739</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">79,800</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">76,741</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Level 1 additional eligible capital (EUR million)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,645</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">10,371</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">9,002</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Level 2 eligible capital (EUR million)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,460</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">18,418</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">16,497</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Risk-weighted assets (EUR million)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">629,430</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">624,503</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">623,731</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Level 1 ordinary capital coefficient (CET 1)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.46&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12.78&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12.30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Level 1 additional capital coefficient (AT1)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.53&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.66&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Level 1 capital coefficient (TIER1)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.00&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14.44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13.75&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Level 2 capital coefficient (TIER 2)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.77&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.95&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.64&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total capital coefficient</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17.77</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17.39</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">16.39</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"> </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:50.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.951%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Eligible&#160;capital</span></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="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</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></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Eligible&#160;capital</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Common Equity Tier I</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">84,739</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">79,800</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">76,741</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Capital</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,345&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,576&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,092&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(-) Treasure shares and own shares financed</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,892)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,694)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Share Premium</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,792&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40,079&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">44,373&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Reserves</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">84,663&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">76,608&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">68,721&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other retained earnings</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(39,918)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(38,617)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(35,038)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Minority interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,037&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,479&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,899&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Profit net of dividends</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,576&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,431&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,307&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Deductions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21,863)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(22,061)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(21,766)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Goodwill and intangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(15,037)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(15,957)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(17,220)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;&#160;Others</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(6,826)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(6,104)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(4,546)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Additional Tier I</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9,645</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">10,371</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9,002</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Eligible instruments AT1</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,937&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,725&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,461&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">AT1-excesses-subsidiaries</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">708&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">645&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">541&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tier II</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17,460</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18,418</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">16,497</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Eligible instruments T2</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,754&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,869&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,101&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Excess IRB provision on PE</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">76&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:400;line-height:105%">T2-excesses -&#160;subsidiaries</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(294)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(450)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(680)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total eligible capital</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">111,845</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">108,589</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">102,240</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: Banco Santander, S.A. and its affiliates had not taken part in any State aid programmes.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i5cacc9f189a042df8bf6418019408da5"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Leverage ratio</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:130%">Basel III established the leverage ratio as a non-risk sensitive measure aimed at limiting excessive balance sheet growth relative to available capital.</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:130%">The Group performs the calculation in accordance with Regulation (EU) 2019/876 of 20 May 2019 amending Regulation (EU) No 575/2013 as regards the leverage ratio.</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:130%">This ratio is calculated as tier&#160;1 capital divided by leverage exposure. Exposure is calculated as the sum of the following items:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Accounting assets, excluding derivatives and items treated as deductions from tier&#160;1 capital (for example, the balance of loans is included, but not that of goodwill) further excluding the exposures referred to in Article 429.a (1) of the regulation.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Off-balance-sheet items (mainly guarantees, unused credit limits granted and documentary credits) weighted using credit conversion factors.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Inclusion of net value of derivatives (gains and losses are netted with the same counterparty, minus collaterals if they comply with certain criteria) plus a charge for the future potential exposure.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">A charge for the potential risk of security funding transactions.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Lastly, it includes a charge for the risk of credit derivative swaps (CDS).</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:130%">With the publication of Regulation (EU) 2019/876 of 20 May, 2019, amending Regulation (EU) n.&#186; 575/2013 as regards the leverage ratio, the final calibration of the ratio is set at 3% for all entities and, for systemic entities G-SIB, is established an additional surcharge which would be 50% of the cushion ratio applicable to the EISM, applicable from January 2023. In addition, modifications are included in its calculation, including the exclusion of certain exposures from the total exposure measure: public loans when exceptional circumstances arise, public loans, transfer loans and officially guaranteed export credits, transfer loans and officially guaranteed export credits.</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:40.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.346%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Leverage</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Level 1 Capital</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94,385&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">90,170&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">85,742&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Exposure</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,924,349&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">1,885,572&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">1,826,922&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Leverage Ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.90&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.78&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.69&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span id="if5d8b6ca095b4d51accfab867239f9b2"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Global systemically important banks</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:130%">Grupo Santander is one of 29 banks designated as global systemically important banks (G-SIBs).</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:130%">The designation as a globally systemic entity comes from a measurement established by the regulators (FSB and BCBS) that they have implemented based on five indicators (size, interjurisdictional activity, interconnection with other financial entities, substitutability and complexity). The list uses data as of the end of 2024 and is based on a methodology agreed in July 2018 and implemented for the first time in the assessment of G-SIBs as of the end of 2021, incorporating, among other things, an additional score considering the Member States of the SRM as a single jurisdiction.</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:130%">This definition means it has to fulfil certain additional requirements, which consist mainly of a capital buffer (1%), in TLAC requirements (total loss absorbing capacity), that Grupo Santander has to publish relevant information more frequently than other banks, greater regulatory requirements for internal control bodies, special supervision and drawing up of special reports to be submitted to supervisors.</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:130%">Additionally, Grupo Santander appears both on the list of global systemic entities and on the list of domestic systemic entities. Bank of Spain, based on rule 23 of Circular 2/2016, requires the application of the highest of the two corresponding buffers, in the case of Grupo Santander being the domestic one, 1.25%, a surcharge payable by 2025.</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:130%">The fact that Grupo Santander has to comply with these requirements makes it a more solid bank than its domestic rivals.</span></div></div></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Additional disclosures<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdditionalInformationAbstract', window );"><strong>Additional information [abstract]</strong></a></td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfParentFinancialStatementsAndPreferenceSharesAndPreferredSecuritiesTextBlock', window );">Additional disclosures</a></td>
<td class="text">Additional disclosures<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This note includes relevant information about additional disclosure requirements.</span></div><div style="display:inline-block;vertical-align:top;width:46.363%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="ifcd6e767776e4c7cb70d6c36c2bfae2e"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">55.1 Parent company financial statements</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:130%">Following are the summarized balance sheets of Banco Santander, S.A. as of 31 December 2025, 2024 and 2023.  In the financial information of the Parent company, investments in subsidiaries, jointly controlled entities and associates are recorded at cost. As of 31 December 2025 we have reclassified 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 </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_883" style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline">note 3</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> above.</span></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:506.25pt"><tr><td style="width:1.0pt"></td><td style="width:322.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 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:105%">EUR million </span></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:21pt"><td colspan="3" style="padding:2px 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:105%">CONDENSED&#160;BALANCE&#160;SHEETS (Parent&#160;company&#160;only)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">31 December 2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">31 December 2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">31 December 2023</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 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:105%">Cash and due from banks</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">144,292&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">157,665&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">172,524&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11,517&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">5,952&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">6,834&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 7pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Trading account assets</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">154,939&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">135,758&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">102,296&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Investment securities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">91,217&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77,230&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63,325&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">13,607&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">16,191&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">16,137&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,697&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">1,005&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">1,229&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Net loans and leases</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">323,253&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">301,937&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">298,068&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">23,340&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">21,127&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">22,435&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Investment in affiliated companies</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">98,317&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100,045&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">99,326&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">71,796&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">74,624&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">74,016&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">26,521&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">25,421&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">25,310&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Premises and equipment, net</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,825&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,219&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,368&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other assets</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,941&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,986&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,435&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total assets</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">836,784</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">794,840</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">757,342</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Deposits</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">415,898&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">393,787&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">398,374&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,773&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">6,645&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">7,832&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">26,412&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">19,176&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">14,610&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Short-term debt</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">129,462&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88,263&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">70,771&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Long-term debt</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">114,756&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137,549&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">129,258&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Total debt</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">244,218&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">225,812&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">200,029&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,994&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">100&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,363&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">2,428&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">1,816&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94,325&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96,909&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">84,065&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">754,441</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">716,508</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">682,468</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 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:105%">Stockholders' equity</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Capital stock</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">7,345</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">7,576</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">8,092</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Retained earnings and other reserves</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">74,998</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">70,756</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">66,782</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total stockholders' equity</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">82,343</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">78,332</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">74,874</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total liabilities and Stockholders&#8217; Equity</span></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">836,784</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">794,840</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">757,342</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following are the condensed statements of income of Banco Santander, S.A. for the years ended 31 December 2025, 2024 and 2023. Results associated with the businesses held for sale in Poland have been reclassified to 'Income/(charges) after tax from discontinued operations' for all periods presented. See </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_883" style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline">note 3</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> above.</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:488.25pt"><tr><td style="width:1.0pt"></td><td style="width:304.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 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:105%">EUR million</span></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="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year ended</span></td></tr><tr style="height:21pt"><td colspan="3" style="padding:2px 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:105%">CONDENSED&#160;STATEMENTS&#160;OF&#160;INCOME (Parent&#160;company&#160;only)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">31 December 2025</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest income</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,363&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,752&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,854&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 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:105%">Interest from earning assets</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,293&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,639&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,049&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Dividends from affiliated companies</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,070&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,113&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,805&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;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:105%">From bank subsidiaries</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5,029&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,248&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,790&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;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:105%">From non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,041&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">865&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,015&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest expense</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(18,170)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20,112)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16,204)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest income / (charges)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,193</span><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">14,640</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15,650</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Provision for credit losses</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,162)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,334)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,372)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest income / (charges) after provision for credit losses</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,031</span><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,306</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">14,278</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Non-interest income</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,981&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,502&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,777&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Non-interest expense</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,848)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8,552)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9,662)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Income before income taxes</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,164&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,256&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,393&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Tax expense or income from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,073)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,091)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(533)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Income/ (charges) for the period from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">10,092</span><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9,167</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">8,860</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Income/ (charges) after tax from discontinued operations</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,021&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">935&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">378&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net income</span></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,113</span><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">10,101</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9,239</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following are the condensed statements of comprehensive income of Banco Santander, S.A. for the years ended 31 December 2025, 2024 and 2023:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:488.25pt"><tr><td style="width:1.0pt"></td><td style="width:304.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">EUR million</span></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="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year ended </span></td></tr><tr style="height:21pt"><td colspan="3" style="padding:2px 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:105%">CONDENSED&#160;STATEMENTS&#160;OF COMPREHENSIVE&#160;INCOME&#160;(Parent&#160;company&#160;only)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">31 December 2025</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">NET INCOME</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,113</span><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">10,101</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9,239</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">OTHER COMPREHENSIVE INCOME </span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(79)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">730</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(57)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Items that may be reclassified subsequently to profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(101)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">305</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">276</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Hedges of net investments in foreign operations (effective portion)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">283&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Revaluation gains (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">283&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt instruments at fair value with changes in other comprehensive income</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(27)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">104&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Revaluation gains (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(55)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">65&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(63)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">84&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cash flow hedges:</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(100)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">409&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">284&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Revaluation gains/(losses)</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(79)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">140&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(70)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">269&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">354&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Amounts transferred to initial carrying amount of hedged items</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 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:400;line-height:105%">Hedges of net investments in foreign operations</span></div></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Exchange differences</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(299)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Revaluation gains (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(299)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Non-current assets held for sale</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Income tax</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(132)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(112)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Items that will not be reclassified to profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">21</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">425</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(333)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Actuarial gains/(losses) on pension plans</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:21pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other recognised income and expense of investments in subsidiaries, joint ventures and associates</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:21pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">262&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(250)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:21pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">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="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:21pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedged item)</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(76)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:21pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedging instrument)</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:21pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">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="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(136)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">247&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(107)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Income tax relating to items that will not be reclassified</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(68)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 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:105%">TOTAL COMPREHENSIVE INCOME</span></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">11,034</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">10,831</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">9,182</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following are the condensed cash flow statements of Banco Santander, S.A. for the years ended 31 December 2025, 2024 and 2023.</span></div><div style="margin-bottom:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:506.25pt"><tr><td style="width:1.0pt"></td><td style="width:322.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">EUR million</span></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="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year ended </span></td></tr><tr style="height:21pt"><td colspan="3" style="padding:2px 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:105%">CONDENSED CASH FLOW STATEMENTS (Parent company only)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">31 December 2025</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">1. Cash flows from operating activities</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Consolidated profit</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,113&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,101&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,239&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Adjustments to profit</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,119)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,439)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,746)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Net increase/decrease in operating assets</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(60,570)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(63,686)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6,765)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Net increase/decrease in operating liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,113&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,480&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6,880)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Reimbursements/payments of income tax</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(862)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(591)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(360)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total net cash flows from operating activities (1)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(10,325)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(31,135)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(8,512)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 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:105%">2. Cash flows from investing activities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Investments (-)</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,231)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,915)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,458)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Divestments (+)</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,210&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,544&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,880&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total net cash flows from investment activities (2)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">4,979</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">6,629</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">5,422</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 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:105%">3. Cash flows from financing activities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Issuance of own equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Disposal of own equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">578&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">485&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">649&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Acquisition of own equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,865)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,740)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,974)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Issuance of debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,852&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,625&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,636&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Redemption of debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8,310)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,615)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,813)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Dividends paid</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,341)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,017)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,261)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Issuance/Redemption of equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(751)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other collections/payments related to financing activities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(141)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(300)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(166)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total net cash flows from financing activities (3)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(13,227)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(5,313)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(929)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">4. Effect of exchange rate changes on cash and cash equivalents (4)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(4,099)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">2,256</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(1,044)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">5. Net increase/decrease in cash and cash equivalents (1+2+3+4)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(22,671)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(27,563)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(5,063)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cash and cash equivalents at beginning of period</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">97,457&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">125,020&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">130,083&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cash and cash equivalents at end of period</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">74,786&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">97,457&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">125,020&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:46.360%"><div style="margin-bottom:3pt"><span id="i6de08f1d4e4e493fa824dcebd7740f22"></span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%">55.2 Preference shares and preferred securities</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:130%">The following table shows the balance of the preference shares and preferred securities as of 31 December 2025, 2024 and 2023:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:234.75pt"><tr><td style="width:1.0pt"></td><td style="width:86.50pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:43.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:43.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:43.00pt"></td><td style="width:1.0pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 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:105%">EUR million</span></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:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Preference shares</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">201</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">211</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">202</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 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:105%">Preferred securities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">10,103</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">9,821</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">9,081</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">10,304</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">10,032</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">9,283</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">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 31 December 2025, 2024 and 2023.</span></div></div><div style="display:inline-block;max-width:7.277%;min-width:6.277%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:46.363%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Preference shares include non-cumulative preferred non-voting shares issued by Santander UK plc.</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:130%">Preferred securities include non-cumulative preferred non-voting securities issued by Banco Santander, S.A.</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:130%">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 the obtainment of sufficient distributable profit and upon the limits imposed by Spanish banking regulations on equity.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:46.360%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">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 for by third parties outside the Group. </span></div></div><div style="display:inline-block;max-width:7.277%;min-width:6.277%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:46.363%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Santander Finance Preferred, S.A. (Unipersonal)- issuer of registered securities guaranteed by Banco Santander, S.A. until November 2017, merged in that month with Banco Santander, S.A.</span></div></div></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:130%">For further information, see note </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_982" style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline">23.c. 'Subordinated liabilities-other disclosures'.</a></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:506.25pt"><tr><td style="width:1.0pt"></td><td style="width:235.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:69.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:13.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Outstanding at 31 December 2025</span></td></tr><tr style="height:29pt"><td colspan="3" style="padding:2px 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:105%">Preference Shares Issuer/Date of issue</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Currency</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Amount in currency (million)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Redemption <br/>Option (A)</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Santander UK plc, October 1995</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pounds Sterling</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">10.375%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">No option</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Santander UK plc, February 1996</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pounds Sterling</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80.3&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">10.375%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">No option</span></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:506.25pt"><tr><td style="width:1.0pt"></td><td style="width:238.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:13.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:42.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:57.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:16.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:61.00pt"></td><td style="width:1.0pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Outstanding at 31 December 2025</span></td></tr><tr style="height:29pt"><td colspan="3" style="padding:2px 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:105%">Preferred Securities Issuer/Date of issue</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Currency</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Amount in <br/>currency<br/>(million)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest&#160;rate</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Maturity&#160;date</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., January 2020</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Euro</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,032.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">4.375%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(B)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., May 2021</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US Dollar</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">999.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">4.750%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(C)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., May 2021</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Euro</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">749.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">4.125%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(D)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., September 2021</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Euro</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">994.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">3.625%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(E)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., November 2023</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US Dollar</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,149.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">9.625%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(F)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., November 2023</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US Dollar</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,349.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">9.625%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(G)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., May 2024</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Euro</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,500.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">7.00%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(H)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., August 2024</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US Dollar</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,494.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">8.00%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(I)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., July 2025</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Euro</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,500.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">6.00%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(J)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:45pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Santander Finance Preferred, S.A. (Unipersonal), September 2004</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Euro</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">143.8&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8364;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 #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:46.360%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:107.25pt"><tr><td style="width:1.0pt"></td><td style="width:105.25pt"></td><td style="width:1.0pt"></td></tr><tr style="height:3pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"></td></tr></table></div><div style="padding-left:7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:7.277%;min-width:6.277%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:46.363%"></div></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.From these dates the issuer can redeem the shares, subject to prior authorization by the national supervisor.</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Payment is subject to certain conditions and to the discretion of Banco Santander. The 4.375% interest rate is set for the first six years. After that, it will be reviewed every 5 years by applying a margin of 453.4 basis point on the 5-year mid-swap rate.</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.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="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.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.</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E. 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="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F. Payment is subject to certain conditions and to the 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="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">G. 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:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">H. 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:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">I. 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:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">J. 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><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accounting policies (Policies)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfAccountingPoliciesAbstract', window );"><strong>Disclosure Of Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DescriptionOfAccountingPolicyForBasisOfPresentationPolicyTextBlock', window );">Basis of presentation of the consolidated financial statements</a></td>
<td class="text">Basis of presentation of the consolidated financial statements<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Under Regulation (EC) n.&#186; 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').</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:130%">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, on Public and Confidential Financial Reporting Standards and Financial Statement Formats and the following regulations. </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:130%">Particularly, during 2025 and 2023, the Bank of Spain published Circulars 1/2025 of 19 December of 2025, and 1/2023 of 24 February of 2023, amending Circular 4/2017 of 27 November to credit institutions on Public and Confidential Financial Reporting Standards and Financial Statement Formats.</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:130%">Grupo Santander consolidated financial statements for 2025 were authorised by the Bank's directors (at the board meeting on 24 February 2026) in accordance with International Financial Reporting Standards as adopted by the European Union and with Bank of Spain circular 4/2017 and subsequent modifications, and Spanish corporate and commercial law applicable to the Group, using the basis of consolidation, accounting policies and measurement bases set forth in note 2, accordingly, they present fairly the Group's equity and financial position at 31 December 2025, 2024 and 2023 and the consolidated results of its operations and the consolidated cash flows in 2025, 2024 and 2023. These consolidated annual accounts have been prepared on the basis of the accounting records held by Banco Santander and by each of the other companies of the Group, and include the adjustments and reclassifications required to standardise the accounting policies and valuation criteria applied by Grupo Santander. The consolidated financial statements are also in compliance with IFRS as issued by the International Accounting Standards Board ('IFRS &#8211; IASB' and together with IFRS adopted by the European Union, 'IFRS').</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:130%">The notes to the consolidated financial statements contain additional information to that presented in the consolidated balance sheet, consolidated income statement, consolidated statement of recognised income and expense, consolidated statement of changes in total equity and consolidated statement of cash flows. The notes provide, in a clear, relevant, reliable and comparable manner, narrative descriptions and breakdowns of these statements.</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:130%">The information contained in the consolidated income statement has been reclassified as a result of the change in the presentation for certain charges at 31 December 2025 in the amount of EUR 427&#160;million, mainly levies and other expenses, of which EUR 359&#160;million have been reclassified from the line item 'Other provisions' to the line item 'Other operating expenses'. </span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%">The figures of the consolidated annual accounts are presented in millions of euros unless another alternative monetary unit is indicated, rounded to the nearest million unit.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i5c5935c78f4d4dd7be2c8ba299bbc585"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Adoption of new standards and interpretations issued</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:130%">The following modifications came into force and were adopted by the European Union in 2025: </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IAS 21 Effects of changes in foreign currency exchange rates: IAS 21 established the requirements to apply when there is a temporary lack of interchangeability between two currencies, but did not give indications when this situation was not temporary. Given this scenario, IAS 21 has been modified establishing the criteria to identify these situations, specifying how entities should estimate the spot exchange rate, the methodologies and data to be considered, as well as the associated disclosure requirements. This modification was applied in advance by the Group on 31 December 2024. For more information, see Note 2.a.iv.</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:130%">The application of the aforementioned amendment to accounting standards and interpretations did not have any material effects on Grupo Santander consolidated financial statements.</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:130%">Likewise, at the date of approval of these consolidated annual accounts, the following standards which effectively came into force have effective dates after 31 December 2025:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;padding-left:3.11pt">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. These amendments will be applicable from 1 January 2026. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;padding-left:3.11pt">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. These modifications will be applicable form 1 January 2026. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IFRS 18 Presentation and Disclosure in Financial Statements, which replaces IAS 1 Presentation of Financial Statements, (i) improves the comparability of the income statement by defining its structure into three categories (operating, investing, and financing) and presenting defined subtotals, including operating profit; (ii) breaks down in the financial statements certain management-defined performance measures related to the income statement; and (iii) improves the aggregation of information for disclosure in the financial statements or notes. The new standard will be applicable from 1 January 2027.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IFRS 1 First-time Adoption of International Financial Reporting Standards, for hedge accounting in first adoption.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">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:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IFRS10 Consolidated Financial Statements: Determining a 'de facto agent'.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"><span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IAS 7 Statement of Cashflows: replacing the term 'cost method' with 'cost'.</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:121%">Finally, at the date of approval of these consolidated annual accounts, the following standards which effectively come into force after 31 December 2025 had not yet been adopted by the European Union:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IFRS 19 Subsidiaries without Public Accountability: Disclosures: this new standard works alongside other IFRS Accounting Standards. An eligible subsidiary applies the requirements in other IFRS Accounting Standards except for the disclosure requirements and instead applies the reduced disclosure requirements in IFRS 19. A subsidiary is eligible if: (i) it does not have public accountability; and (ii) it has an ultimate or intermediate parent that produces consolidated financial statements available for public use that comply with IFRS Accounting Standards. Applicable from 1 January 2027. </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">IFRS 19 Subsidiaries without Public Accountability: Disclosures: these new amendments help eligible subsidiaries reduce disclosures related to IFRS standards and amendments issued between February 2021 and May 2024. With these amendments, IFRS 19 reflects the IFRS changes that will take effect up to 1 January 2027, when IFRS 19 will become applicable.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Amendments to IAS 21 The effects of Changes in Foreign Exchange Rates: Translation to a Hyperinflationary Presentation Currency: establishes how to translate financial statements when the presentation currency is subject to hyperinflation. Requires converting all amounts, including comparatives, at the closing exchange rates and restating them in accordance with IAS 29. Furthermore, introduces additional disclosures to enhance comparability and reduce diversity in practice. Applicable from 1 January 2027, with early application permitted. </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander is currently analyzing the possible effects of these new standards and interpretations, and unless expressly indicated otherwise, no significant impacts are expected from their application.</span></div></div></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">During 2025, the Group completed the project to adapt its accounting policies relating to hedging transactions to the hedge accounting requirements set out in IFRS 9 (see Note 2.d.v). The main impacts of this change on the accounting for hedging relationships are primarily due to: (i) the mandatory separation of the time value of options (when the hedged risk is the intrinsic value); (ii) and the optional separation of the forward element of foreign exchange forward contracts for all hedges, as well as (iii) the separation of the foreign currency basis spread of a foreign exchange derivative for each hedging relationship. The application of these options to hedges designated before 31 December 2024 did not have a material impact on the Group's consolidated statement of financial position or consolidated profit or loss.</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:130%">All accounting policies and measurement bases with a material effect on the consolidated financial statements for 2025 were applied in the preparation of these consolidated annual accounts.</span></div><span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAccountingJudgementsAndEstimatesExplanatory', window );">Use of accounting estimates</a></td>
<td class="text">Use of accounting estimates<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The consolidated results and the determination of consolidated equity are sensitive to the accounting policies, measurement bases and estimates used by Banco Santander in preparing the consolidated financial statements.</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:130%">The main accounting policies and measurement bases are set forth in note 2.</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:130%">In the consolidated financial statements estimates were occasionally made by the senior management of Grupo Santander in order to quantify certain of the assets, liabilities, income, expenses and obligations reported herein. These estimates, which were made on the basis of the best information available, relate basically to the following:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The impairment losses on certain assets: it applies to financial assets at fair value through other comprehensive income, financial assets at amortised cost, non-current assets held for sale, investments, tangible assets and intangible assets (see Notes 6, 7, 10, 12, 13, 16, 17, 18 and 54).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The assumptions used in the actuarial calculation of the post-employment benefit liabilities and commitments and other obligations (see Note 25).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The useful life of the tangible and intangible assets (see Notes 16 and 18).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The measurement of the impairment in goodwill arising on consolidation (see Note 17).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The calculation of provisions and the consideration of contingent liabilities (see Note 25).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The fair value of certain unquoted assets and liabilities (see Notes 6, 7, 8, 9, 10, 11, 20, 21 and 22).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The recoverability of deferred tax assets (see Note 27).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The fair value of the identifiable assets acquired and the liabilities assumed in business combinations in accordance with IFRS 3 (see Note 17).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The measurement of assets under reinsurance contracts and liabilities under insurance contracts (see Note 15).</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:130%">To update the previous estimates, the Group's management has taken into account the current macroeconomic scenario, characterized by persistent geopolitical tensions and changing financial conditions, as well as the evolution of monetary and fiscal policies in major economies. The analysis also considers developments in interest rates, credit spreads, and currency movements, along with labor market trends in the geographies where the Group operates. </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:130%">The Group's management has evaluated in particular the uncertainties caused by the current environment 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, 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, developing in the notes the main estimates made during the period ended December 31, 2025 (see notes 10, 17, 50 and 54). </span></div>Although these estimates have been made on the basis of the best information available at the end of the year 2025, and considering information updated at the date of preparation of these consolidated annual accounts, it is possible that events that may take place in the future may make it necessary to modify them (upwards or downwards) in the coming years, which would be done, if appropriate, in a prospective manner, recognising the effects of the change in estimate in the corresponding consolidated income statement.<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory', window );">Foreign currency transactions</a></td>
<td class="text">Foreign currency transactions<div style="margin-bottom:3pt"><span id="i32af6d7657084157bd41fbca042d4a16"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:115%">i. Presentation currency</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:130%">Banco Santander&#8217;s functional and presentation currency is the euro. Also, the presentation currency of the Group is the euro.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="if390cf64de9b4b70a7214304d13a92d3"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Translation of foreign currency balances</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:130%">Foreign currency balances are translated to euros in two consecutive stages:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Translation of foreign currency to the functional currency (currency of the main economic environment in which the entity operates).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Translation to euros of the balances held in the functional currencies of entities whose functional currency is not the euro.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i038cd23e6ca643d4819cd5041865c4b7"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Translation of foreign currency to the functional currency</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:130%">Foreign currency transactions performed by consolidated entities (or entities accounted for using the equity method) not located in European Monetary Union ('EMU') countries are initially recognised in their respective currencies. Monetary items in foreign currency are subsequently translated to their functional currencies using the closing rate.</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:130%">Furthermore:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Non-monetary items measured at historical cost are translated to the functional currency at the exchange rate at the date of acquisition.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Non-monetary items measured at fair value are translated at the exchange rate at the date when the fair value was determined.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Income and expenses are translated at the average exchange rates for the&#160;year for all the transactions performed during the&#160;year. When applying this criterion, the Group considers whether there have been significant changes in the exchange rates in the&#160;year which, in view of their materiality with respect to the consolidated financial statements taken as a whole, would make it necessary to use the exchange rates at the transaction date rather than the aforementioned average exchange rates.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The balances arising from non-hedging forward foreign currency/foreign currency and foreign currency/euro purchase and sale transactions are translated at the closing rates prevailing in the forward foreign currency market for the related maturity.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="i18072ffb95a34673a45789fb5332e5c4"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Translation of functional currencies to euros</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:130%">The balances in the financial statements of consolidated entities (or entities accounted for using the equity method) whose functional currency is not the euro are translated to euros as follows:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">-</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt">Assets and liabilities, at the closing rates.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">-</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt">Income and expenses, at the average exchange rates for the&#160;year.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">-</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt">Equity items, at the historical exchange rates.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ia47d2d78cd61478f8daf4a551a61006e"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Recognition of exchange differences</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:130%">The exchange differences arising on the translation of foreign currency balances to the functional currency are generally recognised at their net amount under 'Exchange differences, net' in the consolidated income statement, except for exchange differences arising on financial instruments at fair value through profit or loss, which are recognised in the consolidated income statement without distinguishing them from other changes in fair value, and for exchange differences arising on non-monetary items measured at fair value through equity, which are recognised under 'Other comprehensive income&#8211;Items that may be reclassified to profit or loss&#8211;Exchange differences' except for exchange differences on equity instruments, where the option to irrevocably elect to be measured at fair value through changes in accumulated other comprehensive income, which are recognised in accumulated 'Other Comprehensive Income - Items not to be reclassified to profit or loss - Changes in fair value of equity instruments measured at fair value' through other comprehensive income (see note 29).</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:130%">The exchange differences arising on the translation to euros of the financial statements denominated in functional currencies other than the euro are recognised in 'Other comprehensive income&#8211;Items that may be reclassified to profit or loss&#8211;Exchange differences' in the consolidated balance sheet, whereas those arising on the translation to euros of the financial statements of entities accounted for using the equity method are recognised in equity under 'Other comprehensive income&#8211;Items that may be reclassified to profit or loss and Items not reclassified to profit or loss&#8211;Other recognised income and expense' of investments in subsidiaries, joint ventures and associates (see note 29), until the related item is derecognised, at which time they are recognised in profit or loss.</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:130%">Exchange differences arising on actuarial gains or losses when converting to euros the financial statements denominated in the functional currencies of entities whose functional currency is different from the euro are recognised under equity 'Other comprehensive income&#8211;Items not reclassified to profit or loss&#8211;Actuarial gains or (-) losses' on defined benefit pension plans (see note 29).</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt"><span id="ie550674534bb4738b172fb9dfd58a54d"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iv. Entities located in hyperinflationary economies</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:130%">When a subsidiary operates in a country with hyperinflationary economy, IAS 29 Financial Information in Hyperinflationary Economies is applied, which means that:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Historical cost of non-monetary assets and liabilities and of the various items of equity have to be adjusted to reflect the changes in the purchasing power of the currency due to inflation from their date of acquisition or incorporation into the consolidated balance sheet.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">The different items of the income statement are adjusted by the inflationary index since their generation, with a balancing entry in 'Other comprehensive income'.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">The loss on the net monetary position is recorded in the income for the year against 'Accumulated Other comprehensive income'.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">All components of the financial statements of the subsidiary are translated at the closing exchange rate.</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:130%">The deterioration of the economic situation in Argentina over the last years caused, among other impacts, a significant increase in inflation, which by the end of 2018 had reached 48% per year (147% accumulated in three years). This led the Group to conclude that it was necessary to apply IAS 29 Financial Information in Hyperinflationary Economies to its activities in the country in question in its consolidated financial statements from that year on.</span></div><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In 2024, Grupo Santander decided to apply an alternative exchange rate for the conversion of its Argentine business in the preparation of its consolidated annual accounts. This decision stemmed from the divergence observed between the official exchange rate and certain macroeconomic variables, primarily inflation, coupled with the fact that for certain transactions, such as the repatriation of dividends, the exchange rate implied in orderly transactions between market participants did not correspond to the official exchange rate. As of 31 December 2024, the alternative exchange rate used was based on the CCL dollar ('c</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:130%">ontado con liquidaci&#243;n'</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">), which is the exchange rate resulting from the sale in US dollars of local bonds denominated in Argentine pesos (bonds with dual peso dollar/denomination). At that date, this rate did not differ significantly from other market rates.</span></div><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">From the second quarter of 2025, and considering the liberalization of the foreign exchange market and the elimination of restrictions on the purchase of foreign currency by individuals, and the value of this CCL dollar exchange rate did not differ significantly from other market rates and the official exchange rate, Grupo Santander started using the official exchange rate as a reference once again. </span></div><div style="margin-bottom:9pt"><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Inflation during 2025, according to the national consumer price index published by the National Statistics and Census Institute, wa</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">s 31.5% for the year (117.8% at 31 December 2024). The official exchange rate as 31 December 2025 was 1,706.38 Argentine pesos per euro (1,071.16 Argentine pesos per euro </span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">at 31 December 2024). The exchange rate applied by the Group as at 31 December 2024 was 1,232.39 Argentine pesos per euro.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">At 31 December 2025, no other country in which the consolidated and associated entities of Grupo Santander are located is considered to have a hyperinflati</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">onary economy in accordance with the criteria establ</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ished in this regard by the International Financial Reporting Standards adopted by the European Union. </span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i84b8f9220b604b46b4cbd974862c94c9"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">v. Exposure to foreign currency risk</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:130%">Grupo Santander hedges a portion of its long-term foreign currency positions using foreign exchange derivative financial instruments (see note&#160;36). Also, the Group manages foreign exchange risk dynamically by hedging its short-term position (with a potential impact on profit or loss) in order to limit the impact of currency depreciations while optimising the cost of financing the hedges.</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:130%">The following tables show the sensitivity of the consolidated income statement and consolidated equity to percentage changes of &#177; 1% in the foreign exchange rate positions arising from investments in Grupo Santander companies with currencies other than the euro (with its hedges) and in their results (with its hedges), in which the Group maintains significant balances.</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:130%">The estimated effect on the consolidated equity attributable to Grupo Santander and on consolidated profit and loss account of a 1% appreciation of the euro against the corresponding currency 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:20.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.250%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Effect&#160;on&#160;<br/>consolidated&#160;equity</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Effect&#160;on&#160;<br/>consolidated&#160;profit</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Currency</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">US dollar</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(135.0)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(168.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(136.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.5)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chilean peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8.8)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(35.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.3)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pound sterling</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(88.1)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(96.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(79.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.6)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexican peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32.5)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(33.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(36.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.5)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazilian real</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(141.2)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(144.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(175.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.8)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Polish zloty</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12.8)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(25.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(48.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentine peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21.3)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(18.3)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.5)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.7)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6.6)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.2)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">Similarly, the estimated effect on the Group&#8217;s consolidated equity and on consolidated profit and loss account of a 1% depreciation of the euro against the corresponding currency 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:20.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.250%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Effect&#160;on&#160;<br/>consolidated&#160;equity</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Effect&#160;on&#160;<br/>consolidated&#160;profit</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Currency</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">US dollar</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137.8&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">171.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">139.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chilean peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.4&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pound sterling</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">89.9&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">98.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.7&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexican peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33.1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazilian real</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">144.0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">147.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">179.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.9&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Polish </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">zloty</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentine peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21.7&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.7&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.7&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.8&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.7&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.2&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The above data were obtained as follows:</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a)&#160;&#160;&#160;&#160;Effect on consolidated equity: in accordance with the accounting policy detailed in note&#160;2.a.iii, foreign exchange rate impact arising on the translation to euros of the financial statements in the functional currencies of the Group entities whose functional currency is not the euro are recognised in consolidated equity. The potential effect that a change in the exchange rates of the related currency would have on the Group&#8217;s consolidated equity was therefore determined by applying the aforementioned change to the net value of each unit&#8217;s assets and liabilities&#160;-including, where appropriate, the related goodwill- and by taking into consideration the offsetting effect of the hedges of net investments in foreign operations.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b)&#160;&#160;&#160;&#160;Effect on consolidated profit: the effect was determined by applying the up and down movements in the average exchange rates of the&#160;year, as indicated in note&#160;2.a.ii (except in the case of Argentina, which is a hyperinflationary economy and has applied the closing exchange rate), to translate to euros the income and expenses of the consolidated entities whose functional currency is not the euro, taking into consideration, where appropriate, the offsetting effect of the various hedging transactions in place.</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:130%">The estimates used to obtain the foregoing data were performed considering the effects of the changes in the exchange rate in standalone basis not considering the effect of the performance of other variables whose changes would affect equity and profit or loss, such as variations in the interest rates of the reference currencies or other market factors. Accordingly, all variables other than the exchange rate variations were kept constant with respect to their positions at 31 December 2025, 2024 and 2023.</span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_BasisOfConsolidationPolicyPolicyTextBlock', window );">Basis of consolidation</a></td>
<td class="text">Basis of consolidation<div style="margin-bottom:3pt;margin-top:6pt"><span id="i7ea75d2224d24132ad0d68788a875a0f"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Subsidiaries</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:130%">Subsidiaries are defined as entities over which the Bank has the capacity to exercise control. The Bank controls an entity when it is exposed, or has rights, to variable returns from its involvement with the investee and has the ability to affect those returns through its power over the investee.</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:130%">The financial statements of the subsidiaries are fully consolidated with those of the Bank. Accordingly, all balances and effects of the transactions between consolidated companies are eliminated on consolidation.</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:130%">On acquisition of control of a subsidiary, its assets, liabilities and contingent liabilities are recognised at their acquisition-date fair values. Any positive differences between the acquisition cost and the fair values of the identifiable net assets acquired are recognised as goodwill (see note&#160;17). Negative differences are recognised in profit or loss on the date of acquisition.</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:130%">Additionally, the share of third parties of Grupo Santander equity is presented under 'Non-controlling interests' in the consolidated balance sheet (see note&#160;28). Their share of the profit for the&#160;year is presented under 'Profit attributable to non-controlling interests' in the consolidated income statement.</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:130%">The results of subsidiaries acquired during the&#160;year are included in the consolidated income statement from the date of acquisition to&#160;year-end. Similarly, the results of subsidiaries for which control is lost during the year are included in the consolidated income statement from the beginning of the&#160;year to the date of disposal.</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:130%">At 31 December 2025, apart from the structured consolidated entities, Grupo Santander does not control any company in which it maintains a percentage of direct participation in its share capital of less than 50% and in where other elements exist which, considered together, would grant give it decision-making power over its relevant activities. </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:130%">The appendices contain significant information on the subsidiaries.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i38d586ae55fc4821b1ffac137bad82be"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Interests in joint ventures</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:130%">Joint ventures are deemed to be entities that are not subsidiaries but which are jointly controlled by two or more unrelated entities. This is evidenced by contractual arrangements whereby two or more parties have interests in entities so that decisions about the relevant activities require the unanimous consent of all the parties sharing control.</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:130%">In the consolidated financial statements, investments in joint ventures are accounted for using the equity method, i.e. at the Group&#8217;s share of net assets of the investee, after taking into account the dividends received therefrom and other equity eliminations. The profits and losses resulting from transactions with a joint venture are eliminated to the extent of the Group&#8217;s interest therein.</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:130%">The appendices contain relevant information on the joint ventures.</span></div><div style="margin-bottom:3pt"><span id="i91876a6de5e5419ca945e452a331186a"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Associates</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:130%">Associates are entities over which Banco Santander is in a position to exercise significant influence, but not control or joint control. It is presumed that Banco Santander exercises significant influence if it holds 20% or more of the voting power of the investee.</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:130%">In the consolidated financial statements, investments in associates are accounted for using the equity method, with the same criteria applicable to shares in joint ventures.</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:130%">There are certain investments in entities which, although Grupo Santander owns 20% or more of their voting power, are not considered to be associates because the Group is not in a position to exercise significant influence over them. As of 31 December 2024 and 2023, the investment in Project Quasar Investments 2017, S.L. was in this situation, despite maintaining a 49% stake in the share capital. The rest of the investments are not significant for the Group.</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:130%">There are also certain investments in associates where the Group owns less than 20% of the voting rights, as it is determined that it has the capacity to exercise significant influence over them. The impact of these companies is immaterial in the Group's consolidated financial statements.</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:130%">The appendices contain significant information on the associates.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i9d9e2713fdf44f24b2f9f981a1485b35"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:125%">iv. Structured entities</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:130%">In some cases, Grupo Santander incorporates entities, or holds ownership interests therein, to enable its customers to access certain investments, or for the transfer of risks or other purposes. Those entities are called 'structured entities' and they are characterized by the fact that since the voting, or similar power is not a key factor in deciding who controls the entity. The control is determined by using internal criteria and procedures and taking into consideration the applicable legislation, as described above. Specifically, for those entities to which this policy applies (mainly investment funds and pension funds), the Group analyses the following factors:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Percentage of ownership held by Grupo Santander; 20% is established as the general threshold.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Identification of the fund manager, and verification as to whether it is a company controlled by the Group since this could affect Grupo Santander ability to direct the relevant activities.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Existence of agreements between investors that might require decisions to be taken jointly by the investors, rather than by the fund manager.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Existence of currently exercisable removal rights (possibility of removing the manager from his position), since the existence of such rights might limit the manager&#8217;s power over the fund, and it may be concluded that the manager is acting as an agent of the investors.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Analysis of the fund manager&#8217;s remuneration regime, taking into consideration that a remuneration regime that is proportionate to the service rendered does not, generally, create exposure of such importance as to indicate that the manager is acting as the principal. Conversely, if the remuneration regime is not proportionate to the service rendered, this might give rise to an exposure that would lead the Group to a different conclusion.</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:130%">These structured entities also include the securitisation special purpose vehicles, which are consolidated in the case of the Special Purpose Vehicles (SPVs) over which, being exposed to variable yield, it is considered that the Group continues to exercise control.</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:130%">The exposure associated with unconsolidated structured entities, additional to investments in the equity of investment funds (note 8), are not material with respect to the Group&#8217;s consolidated financial statements.</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="i0b07bb2d7be5496db27d6abd8f73d1ed"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">v. Business combinations</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:130%">A business combination is the bringing together of two or more separate entities or economic units into one single entity or group of entities.</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:130%">Business combinations whereby Grupo Santander obtains control over an entity or a business are recognised for accounting purposes as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Grupo Santander measures the cost of the business combination, which is normally the consideration transferred, defined as the acquisition-date fair values of the assets transferred, the liabilities incurred to the former owners of the acquiree and the equity instruments issued, if any, by the acquirer. In cases where the amount of the consideration to be transferred has not been definitively established at the acquisition date, but rather depends on future events, any contingent consideration is recognised as part of the consideration transferred and measured at its acquisition-date fair value. Moreover, acquisition-related costs do not for these purposes form part of the cost of the business combination.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The fair values of the assets, liabilities and contingent liabilities of the acquired entity or business, including any intangible assets identified in the business combination which might not have been recognised by the acquiree, are estimated and recognised in the consolidated balance sheet; the Group also estimates the amount of any non-controlling interests and the fair value of the previously held equity interest in the acquiree.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Any positive difference between the aforementioned items is recognised as discussed in note&#160;2.m. Any negative difference is recognised under 'Negative Goodwill' recognised in the consolidated income statement.</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:130%">Goodwill is only calculated and recognised once, when control of a business or an entity is obtained.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i6a769ab0d2a443dab0214ae16c9258bb"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">vi. Changes in the levels of ownership interests in subsidiaries</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:130%">Acquisitions and disposals not giving rise to a change in control are recognised as equity transactions, and no gain or loss is recognised in the income statement and the initially recognised goodwill is not remeasured. The difference between the consideration transferred or received and the decrease or increase in non-controlling interests, respectively, is recognised in reserves.</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:130%">Similarly, when control over a subsidiary is lost, the assets, liabilities and non-controlling interests and any other items recognised in 'Other Comprehensive income' of that company are derecognised from the consolidated balance sheet, and the fair value of the consideration received and of any remaining equity interest is recognised. The difference between these amounts is recognised in profit or loss.</span></div><span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory', window );">Definitions and classification of financial instruments</a></td>
<td class="text">lassification of financial instruments<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">A financial instrument is any contract that gives rise to a financial asset of one entity and a financial liability or an equity instrument of another entity.</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:130%">The following transactions are not treated for accounting purposes as financial instruments:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Investments in associates and joint venture when accounted for using the equity method in accordance with IAS 28 (see note&#160;13).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Rights and obligations under employee benefit plans recognized in accordance with IAS 19 (see note&#160;25).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Insurance contracts and the rights and obligations directly arising from them, within the scope of IFRS 17 (see note&#160;15).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Contracts and obligations relating to employee remuneration based on own equity instruments accounted for in accordance with IFRS 2 (see note&#160;34).</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="i590d74e518514c8197e9c502f9837b18"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Classification of financial assets for measurement purposes</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:130%">Financial assets are classified into the various categories used for management and measurement purposes, unless they have to be presented as 'Non-current assets held for sale' or they relate to 'Cash, cash balances at central banks and other deposits on demand', 'Changes in the fair value of hedged items in portfolio hedges of interest rate risk (asset side)', 'Hedging derivatives and Investments', which are reported separately.</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:130%">Classification of financial instruments: the classification criteria for financial assets depends on the business model for their management and the characteristics of their contractual flows.</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:130%">Grupo Santander business models refer to the way in which it manages its financial assets to generate cash flows. In defining these models, the Group takes into account the following factors:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">How key entity staff are assessed and reported on the performance of the business model and the financial assets held in the business model.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The risks that affect the performance of the business model (and the financial assets held in the business model) and, specifically, the way in which these risks are managed.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The way in which business managers are remunerated.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The frequency, the calendar and volume of sales in previous years, as well as expectations of future sales and the reasons of the sales.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The analysis of the characteristics of the contractual cash flows of financial assets requires an assessment of the congruence of these flows with a basic loan agreement. The Group determines if the contractual cash flows of its financial assets that are only principal and interest payments on the outstanding principal amount at the beginning of the transaction. This analysis takes into consideration four factors (performance, contractual clauses, contractually linked products and currencies). Furthermore, among the most significant judgements used by the Group in carrying out this analysis, the following ones are included:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The return on the financial asset, in particular in cases of periodic interest rate adjustments where the term of the reference rate does not coincide with the frequency of the adjustment. In these cases, an assessment is made to determine whether or not the contractual cash flows differ significantly from the flows without this change in the time value of money, establishing a tolerance level of 5%.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">When contractual clauses that may modify the cash flows of the financial asset exist, the structure of the cash flows before and after the activation of such clauses is analysed, regardless of the probability of occurrence of the contingent event. The evaluation of contractual flows of financial assets with characteristics associated with ESG (Environmental, Social and Governance) is included in this analysis. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Financial assets whose cash flows have different priority for payment due to a contractual link to underlying assets (e.g. securitization instruments or similar structures) require a look-through analysis by the Group so as to review that both the financial asset and the underlying assets are only principal and interest payments and that the exposure to credit risk of analyzed segment does not exceed the average exposure of the underlying assets of the instrument.</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:130%">Depending on these factors, the financial assets classify for measurement as: (i) at amortised cost, (ii) at fair value with changes in other comprehensive income or (iii) at fair value with changes through profit and loss. IFRS 9 also establishes an option to irrevocably designate an instrument at fair value with changes in profit or loss, when doing so eliminates or significantly reduces a measurement or recognition inconsistency (sometimes referred to as 'accounting asymmetry') that would otherwise arise from measuring assets or liabilities or recognising gains and losses on different bases.</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:130%">Grupo Santander uses the following criteria for the classification of the financial debt instruments:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Amortised cost: financial instruments managed under a business model whose objective is to hold the financial assets to collect contractual principal and interest flows. This category includes instruments for which there are no frequent or significant unjustified sales and fair value is not a key element in the management of these assets and contractual conditions they give rise to cash flows on specific dates, which are only payments of principal and interest on the outstanding principal amount. In this sense, justified sales are considered to be those related to an (i) increase in the credit risk of the asset, (ii) unanticipated funding needs (stress case scenarios) and (iii) those close to maturity . Additionally, the characteristics of its contractual flows represent substantially a 'basic financing agreement'.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Fair value with changes in other comprehensive income: financial instruments held in a business model whose objective is to collect principal and interest cash flows and the sale of these assets, where fair value is a relevant factor in their management. Additionally, the contractual cash flow characteristics substantially represent a 'basic financing agreement'.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Fair value with changes in profit or loss: financial instruments included in a business model different from the above, where fair value is a key element in the management of these assets, and the contractual flows of the financial instruments do not substantially represent a 'basic financing agreement'. In this section it can be enclosed the portfolios classified under 'Financial assets held for trading', 'Non-trading financial assets mandatorily at fair value through profit or loss' and 'Financial assets at fair value through profit or loss'. In this regard, most of the financial assets presented in the category of 'Financial assets designated at value reasonable with change in results' are instruments financial services that, not being part of the portfolio of negotiation, are contracted jointly with other financial instruments that are recorded in the category of 'held for trading', and that by both are recorded at fair value with changes in results, so your record in any other category would produce accounting asymmetries.</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:130%">Equity instruments will be classified at fair value under  IFRS 9, with changes in profit or loss, unless the Group decides, for non-trading assets, to classify them at fair value with changes in other comprehensive income (irrevocably) at initial recognition.</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="i75e15d8a121c42389acae969af7f386c"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Classification of financial assets for presentation purposes</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:130%">Financial assets are classified by nature into the following items in the consolidated balance sheet:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Cash, cash balances at Central Banks and other deposits on demand: cash balances and balances receivable on demand relating to deposits with central banks and other credit institutions.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Loans and advances: includes the debit balances of all credit and loans granted by the Group, other than those represented by securities or securitized, as well as the finance lease receivables and other debit balances of a financial nature in favour of the Group such as cheques drawn on credit institutions, balances receivable from clearing houses and settlement agencies for transactions on the stock exchange and organised markets, bonds given in cash, capital calls, fees and commissions receivable for financial guarantees and debit balances arising from transactions not originating in banking transactions and services, such as the collection of rentals and similar items. They are classified, on the basis of the institutional sector to which the debtor belongs, into:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Central banks: credit of any nature, including deposits and money market transactions received from the Bank of Spain or other central banks.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Credit institutions: credit of any nature, including deposits and money market transactions, in the name of credit institutions.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Customers: includes the remaining credit, including money market transactions through central counterparties.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Debt securities: bonds and other securities that represent a debt for their issuer, that that accrue interest or equivalent returns implemented in securities or in book entries.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Equity instruments: financial instruments issued by other entities, such as shares, which have the nature of equity instruments for the issuer, other than investments in subsidiaries, joint ventures or associates. Investment fund units are included in this item.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Derivatives: includes the fair value in favour of the Group of derivatives which do not form part of hedge accounting, including embedded derivatives separated from hybrid financial instruments.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Repurchase agreements and reverse repurchase agreements: Purchases of financial instruments under a non-optional resale (repurchase) agreement at a fixed price (repos) are recognised in the consolidated balance sheet as financing granted, based on the nature of the debtor, under 'Loans and advances with central banks', 'Loans and advances to credit institutions' or 'Loans and advances to customers. Differences between the purchase and sale prices are recognised as interest over the contract term.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Changes in the fair value of hedged items in portfolio hedges of interest rate risk: this item is the balancing entry for the amounts credited to the consolidated income statement in respect of the measurement of the portfolios of financial instruments which are effectively hedged against interest rate risk through fair value hedging derivatives. </span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Hedging derivatives: Includes the fair value in favour of the Group of derivatives, including embedded derivatives separated from hybrid financial instruments, designated as hedging instruments in hedge accounting.</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span id="i952b7f66652e48e18b7d90035a398d34"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Classification of financial liabilities for measurement purposes</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:130%">Financial liabilities are initially classified into the various categories used for management and measurement purposes, unless they have to be presented as 'Liabilities associated with non-current assets held for sale' or they relate to 'Hedging derivatives' or the changes in the fair value of hedged items in portfolio hedges of interest rate risk (liability side), which are reported separately.</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:130%">In most cases, changes in the fair value of financial liabilities designated at fair value through profit or loss, caused by the entity's credit risk, are recognized in other comprehensive income, unless this treatment results in an accounting asymmetry, in which case the full effect is recognized in the profit or loss for the period.</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:130%">Financial liabilities are included for measurement purposes in one of the following categories:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Financial liabilities held for trading (at fair value through profit or loss): this category includes financial liabilities incurred for the purpose of generating a profit in the near term from fluctuations in their prices, financial derivatives not designated in accounting hedging relationships, and financial liabilities arising from the outright sale of financial assets temporarily acquired or received on loan (short positions).</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Financial liabilities designated at fair value through profit or loss: financial liabilities are included in this category when they provide more relevant information, either because this eliminates or significantly reduces recognition or measurement inconsistencies (accounting mismatches) that would otherwise arise from measuring assets or liabilities or recognising the gains or losses on them on different bases, or because a group of financial liabilities or financial assets and liabilities is managed and its performance is evaluated on a fair value basis, in accordance with a documented risk management or investment strategy, and information about the group is provided on that basis to the Group&#8217;s key management personnel. </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:130%">Liabilities may only be included in this category on the date when they are incurred or originated.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Financial liabilities at amortised cost: financial liabilities, irrespective of their instrumentation and maturity, not included in any of the above-mentioned categories which arise from the ordinary borrowing activities carried on by financial institutions.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ic42f3195efbe4dd89e54cecd83316288"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iv. Classification of financial liabilities for presentation purposes</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:130%">Financial liabilities are classified by nature into the following items in the consolidated balance sheet:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Deposits: includes all repayable balances received in cash by Grupo Santander, other than those instrumented as marketable securities and those having the substance of subordinated liabilities (amount of the loans received, which for credit priority purposes are after common creditors), except for the debt instruments issued. This item also includes cash bonds and cash consignments received the amount of which may be invested without restriction. Deposits are classified on the basis of the creditor&#8217;s institutional sector into:</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:8.6pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:2.47pt">Central banks: deposits of any nature, including credit received and money market transactions received from the Bank of Spain or other central banks.</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:8.6pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:2.47pt">Credit institutions: deposits of any nature, including credit received and money market transactions in the name of credit institutions.</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:8.6pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:2.47pt">Customer: includes the remaining deposits, including money market transactions through central counterparties.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Marketable debt securities: includes the amount of bonds, debentures and other debt represented by marketable securities, other than those having the substance of subordinated liabilities (amount of the loans received, which for credit priority purposes are after common creditors, and includes the amount of the financial instruments issued by the Group which, having the legal nature of capital, do not meet the requirements to qualify as equity, such as certain preferred shares issued). This item includes the component that has the consideration of financial liability of the securities issued that are compound financial instruments.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Derivatives: includes the fair value, with a negative balance for the Group, of derivatives, including embedded derivatives  separated from the host contract, which do not form part of hedge accounting.</span></div></div></div><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Short positions: includes the amount of financial liabilities arising from the outright sale of financial assets acquired under reverse repurchase agreements or borrowed.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Other financial liabilities: includes the amount of payment obligations having the nature of financial liabilities not included in other items (includes, among others, the balance of lease liabilities recognized in accordance with IFRS 16), and liabilities under financial guarantee contracts, unless they have been classified as non-performing.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Repurchase agreements and reverse repurchase agreements: Sales of financial instruments under a non-optional resale (repurchase) agreement at a fixed price (repos) are recognised in the consolidated balance sheet as financing received, based on the nature of the creditor, under 'Deposits from central banks', 'Deposits from credit institutions' or 'Customer deposits'. Differences between the purchase and sale prices is recorded as interest accrued over the life of the contract, using the effective interest rate method.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Changes in the fair value of hedged items in portfolio hedges of interest rate risk: this item is the balancing entry for the amounts charged to the consolidated income statement in respect of the measurement of the portfolios of financial instruments which are effectively hedged against interest rate risk through fair value hedging derivatives.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Hedging derivatives: includes the fair value of the Group&#8217;s liability in respect of derivatives, including embedded derivatives separated from hybrid financial instruments, designated as hedging instruments in hedge accounting.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The preference shares contingently convertible into ordinary shares eligible as Additional Tier 1 capital (PPCC) -perpetual shares, which may be repurchased by the issuer in certain circumstances, the interest on which is discretionary, and would convert into variable number of newly issued ordinary shares if the capital ratio of the Bank or its consolidated group falls below a given percentage (trigger event), as those two terms are defined in the related issue prospectuses are recognised for accounting purposes by the Group as compound instruments in accordance with IAS 32. The liability component reflects the issuer&#8217;s obligation to deliver a variable number of shares and the equity component reflects the issuer&#8217;s discretion in relation to the payment of the related coupons. In order to effect the initial allocation, the Group estimates the fair value of the liability as the amount that would have to be delivered if the trigger event were to occur immediately and, accordingly, the equity component, calculated as the residual amount, is zero. In view of the aforementioned discretionary nature of the payment of the coupons, they are deducted directly from equity.</span></div></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Capital perpetual preference shares (PPCA), with the possibility of purchase by the issuer in certain circumstances, whose remuneration is discretionary, and which will be amortised permanently, totally or partially, in the event that the bank or its consolidated group submits a capital ratio lesser than a certain percentage (trigger event), as defined in the corresponding prospectuses, are accounted for by the Group as equity instruments.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Derivatives embedded in other financial instruments or in other host contracts are accounted for separately as derivatives if their risks and characteristics are not closely related to those of the host contracts, provided that the host contracts are not classified as financial assets/liabilities designated at fair value through profit or loss or as 'Financial assets/liabilities held for trading'.</span></div><span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory', window );">Measurement of financial assets and liabilities and recognition of fair value changes</a></td>
<td class="text">Measurement of financial assets and liabilities and recognition of fair value changes<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In general, financial assets and liabilities are initially recognised at fair value which, in the absence of evidence to the contrary, is deemed to be the transaction price. </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:130%">In this regard, IFRS 9 states that regular way purchases or sales of financial assets shall be recognised and derecognised on the trade date or on the settlement date. Grupo Santander has opted to make such recognition on the trading date or settlement date, depending on the convention of each of the markets in which the transactions are carried out. For example, in relation to the purchase or sale of debt securities or equity instruments traded in the Spanish market, securities market regulations stipulate their effective transfer at the time of settlement and, therefore, the same time has been established for the accounting record to be made.</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:130%">The fair value of instruments not measured at fair value through profit and loss is adjusted by transaction costs. Subsequently, and on the occasion of each accounting close, they are valued in accordance with the following criteria:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i6da3ee17554d4070864a7b7d72d7c40c"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Measurement of financial assets</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:130%">Financial assets are measured at fair value are valued mainly at their fair value without deducting any transaction cost for their sale.</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:130%">The fair value of a financial instrument on a given date is taken to be the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. The most objective and common reference for the fair value of a financial instrument is the price that would be paid for it on an active, transparent and deep market (quoted price or market price). At 31 December 2025, there were no significant investments in quoted financial instruments that had ceased to be recognised at their quoted price because their market could not be deemed to be active.</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:130%">If there is no market price for a given financial instrument, its fair value is estimated on the basis of the price established in recent transactions involving similar instruments and, in the absence thereof, of valuation techniques commonly used by the international financial community, taking into account the specific features of the instrument to be measured and, particularly, the various types of risk associated with it.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">All derivatives are recognised in the balance sheet at fair value from the trade date. If the fair value is positive, they are recognised as an asset and if the fair value is negative, they are recognised as a liability. The fair value on the trade date is deemed, in the absence of evidence to the contrary, to be the transaction price. The changes in the fair value of derivatives from the trade date are recorded in the consolidated income statement. Specifically, the fair value of financial derivatives traded in organised markets included in the portfolios of financial assets or liabilities held for trading is deemed to be their daily quoted price and if, for exceptional reasons, the quoted price cannot be determined on a given date, these financial derivatives are measured using methods similar to those used to measure derivatives.</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:130%">The fair value of derivatives is taken to be the sum of the future cash flows arising from the instrument, discounted to present value at the date of measurement (present value or theoretical close) using valuation techniques commonly used by the financial markets: net present value, option pricing models and other methods.</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:130%">The amount of debt securities and loans and advances under a business model whose objective is to collect the principal and interest flows are valued at their amortised cost, as long as they comply with the 'SPPI' (Solely Payments of Principal and Interest) test, using the effective interest rate method in their determination. Amortised cost refers to the acquisition cost of a corrected financial asset or liability (more or less, as the case may be) for repayments of principal and the part systematically charged to the consolidated income statement of the difference between the initial cost and the corresponding reimbursement value at expiration. In the case of financial assets, the amortised cost includes, in addition, the corrections to their value due to the impairment. In the loans and advances covered in fair value hedging transactions, the changes that occur in their fair value related to the risk or the risks covered in these hedging transactions are recorded.</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:130%">The effective interest rate is the discount rate that exactly matches the carrying amount of a financial instrument to all its estimated cash flows of all kinds over its remaining life. </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:130%">For fixed rate financial instruments, the effective interest rate coincides with the contractual interest rate established on the acquisition date plus, where applicable, the fees and transaction costs that, because of their nature, form part of their financial return. In the case of floating rate financial instruments, the effective interest rate coincides with the rate of return prevailing in all connections until the next benchmark interest reset date.</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:130%">Equity instruments and contracts related with these instruments are measured at fair value. However, in certain circumstances the Group estimates cost value as a suitable estimate of the fair value. This can happen if the recent event available information is not enough to measure the fair value or if there is a broad range of possible measures and the cost value represents the best estimates of fair value within this range.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The amounts at which the financial assets are recognised represent, in all material respects, the Group&#8217;s maximum exposure to credit risk at each reporting date. Also, Grupo Santander has received collateral and other credit enhancements to mitigate its exposure to credit risk, which consist mainly of mortgage guarantees, cash collateral, equity instruments and personal security, assets leased out under finance lease and full-service lease agreements, assets acquired under repurchase agreements, securities loans and credit derivatives.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i089c47b8db924ec587c4a69d5a551897"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Measurement of financial liabilities</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:130%">In general, financial liabilities are measured at amortised cost, as defined above, except for those included under 'Financial liabilities held for trading' and 'Financial liabilities designated at fair value through profit or loss' and financial liabilities designated as hedged items (or hedging instruments) in fair value hedges, which are measured at fair value. The changes in credit risk arising from financial liabilities designated at fair value through profit or loss are recognised in accumulated other comprehensive income, unless they generate or increase an accounting mismatch, in which case changes in the fair value of the financial liability in all respects are recognised in the income statement.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ibfbb4be27e0e4658adbe6a8ba97a7204"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Valuation techniques</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:130%">The financial instruments at fair value determined on the basis of published price quotations in active markets (level 1) include government debt securities, private-sector debt securities, derivatives traded in organised markets, securitised assets, shares, short positions and fixed-income securities issued.</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:130%">In cases where price quotations cannot be observed, management makes its best estimate of the price that the market would set, using its own internal models, described in note 50. In most cases, these internal models use data based on observable market parameters as significant inputs (level 2) and, in cases, they use significant inputs not observable in market data (level 3). In order to make these estimates, various techniques are employed, including the extrapolation of observable market data. The best evidence of the fair value of a financial instrument on initial recognition is the transaction price, unless the fair value of the instrument can be obtained from other market transactions performed with the same or similar instruments or can be measured by using a valuation technique in which the variables used include only observable market data, mainly interest rates.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="if09e92b9825644f9b9a015a0aa4d755d"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iv. Recognition of fair value changes</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As a general rule, changes in the carrying amount of financial assets and liabilities are recognised in the consolidated income statement. A distinction is made between the changes resulting from the accrual of interest and similar items, (which are recognised under Interest income or Interest expense, as appropriate), and those arising for other reasons, which are recognised at their net amount under 'Gains/losses on financial assets and liabilities'.</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:130%">Adjustments due to changes in fair value arising from:</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">'Financial assets at fair value with changes in other comprehensive income' are recorded temporarily, in the case of debt instruments in 'Other comprehensive income - Elements that can be reclassified to profit or loss - Financial assets at fair value with changes in other comprehensive income', while in the case of equity instruments are recorded in 'other comprehensive income - Elements that will not be reclassified to line item - Changes in the fair value of equity instruments valued at fair value with changes in other comprehensive income'. </span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Exchange differences on debt instruments measured at fair value with changes in other comprehensive income are recognised under 'Exchange Differences, net' of the consolidated income statement. Exchange differences on equity instruments, in which the irrevocable option of being measured at fair value with changes in other comprehensive income has been chosen, are recognised in 'Other comprehensive income - Items that will not be 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:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Items charged or credited to 'Items that may be reclassified to profit or loss &#8211; Financial assets at fair value through other comprehensive income' and 'Other comprehensive income &#8211; Items that may be reclassified to profit or loss &#8211; Exchange differences in equity' remain in the Group's consolidated equity until the asset giving rise to them is impaired or derecognised, at which time they are recognised in the consolidated income statement.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Unrealized capital gains on financial assets at fair value through other comprehensive income classified as 'Non-current assets held for sale' because they form part of a disposal group or a discontinued operation that  are recorded in the equity balancing entry 'Other accumulated comprehensive income - Items that can be reclassified in income - Non-current assets as held for sale.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4d94ffbbf7344ed5ade54eb8bad38462"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">v. Hedging transactions</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:130%">The objective of hedge accounting is to represent in the financial statements the effect of an entity's risk management activities when it uses financial instruments to manage exposures arising from specific risks that could affect profit or loss or other comprehensive income (in the case of investments in equity instruments for which the entity has opted to represent changes in the fair value of other comprehensive income).</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:130%">As described in Note 1.b, the Group has adopted IFRS 9 for hedge accounting prospectively, while continuing to apply IAS 39 for fair value hedges in portfolios where the hedged risk is interest rate risk. This change has not resulted in any modifications to the accounting treatment of hedges designated under IAS 39, which remain unchanged in both their designation and accounting treatment.</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:130%">For a hedging relationship to meet the requirements set out in IFRS 9, it must meet the following conditions:</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">1.&#160;&#160;&#160;&#160;Instruments that can be designated as hedging instruments include all derivative financial instruments or non-derivative financial instruments measured at fair value through profit or loss, or a combination thereof. In the case of foreign exchange risk hedges, any type of non-derivative financial instrument can also be designated, regardless of its measurement method.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">2. Items that can be designated as covered items are all those that are recognized assets or liabilities, firm commitments, highly probable anticipated transactions, and net investments abroad.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">3.&#160;&#160;&#160;&#160;At the start of coverage, a formal designation and documentation of the hedging relationship must be made, which will include the entity's risk management strategy and objective, identification of the hedging instrument and the covered item, the nature of the covered risk, the methodology for measuring effectiveness, which includes an analysis of the sources of ineffectiveness, and the coverage ratio.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The main sources of ineffectiveness based on the risk covered are:</span></div><div style="margin-bottom:9pt;padding-left:19.84pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a. Interest rate risk: mismatches in time horizons, principal, repricing and payment dates, time value of options, modifications in the hedged item or the hedging instrument.</span></div><div style="margin-bottom:9pt;padding-left:19.84pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b. Exchange rate risk: in addition to the above, the difference between the interest rates of the two currencies that represents the net cost or benefit of switching cash flows between two currencies with different interest rates.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">4. The hedging relationship must be effective, for which there must be an economic relationship between the hedged item and the hedging instrument, credit risk must not have a dominant effect on changes in the value of the economic relationship between the hedging instrument and the hedged item, and the hedging ratio must coincide with that used by the entity in its management.</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:130%">The Group assesses these effectiveness requirements, at the time of designation and on each submission date, through:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The economic relationship between the hedged item and the hedging instrument is demonstrated through a qualitative test, and in the event of non-compliance, through quantitative tests that compare the market value of the hedged items&#8212;corresponding to the hedged risk&#8212;and the hedging instruments. Likewise, a quantitative analysis of variations in the market values of the hedging instrument and the hedged item is performed prospectively.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The hedge ratio is determined based on the proportion between the amount of the hedged item and the amount of the instrument actually designated by the Group in each hedging relationship.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"> The credit risk domain assessment is performed through an analysis of the credit exposure of the hedged items and the hedging instruments.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Accounting hedges are classified and recorded according to the type of risk they cover, based on the following criteria:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Fair value hedges: These are hedges against exposure to changes in the fair value of the hedged item, attributable to a specific risk.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The differences arising from both the hedging instruments and the hedged items (due to the hedged risk) are recognized directly in the consolidated profit and loss account.</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:130%">When the fair value hedge is discontinued, the adjustments previously recorded in the hedged item are charged to profit or loss using the effective interest rate method recalculated at the date the hedge ceases to be covered, and must be fully amortized at maturity. </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:130%">In fair value hedges of interest rate risk of a portfolio of financial instruments (macro hedges), regulated by IAS 39, the gains or losses arising from the valuation of the hedging instruments are recognized directly in the consolidated profit and loss account, while the gains or losses due to changes in the fair value of the hedged amount (attributable to the hedged risk) are recognized in the consolidated profit and loss account using as a counterpart the headings 'Changes in the fair value of hedged items' of a portfolio with interest rate risk hedge (asset or liability), as appropriate.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Cash flow hedges: These are hedges against exposure to changes in cash flows attributable to a specific risk associated with the hedged item.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The effective portion of the change in the value of the hedging instrument is temporarily recorded in the equity account 'Other accumulated comprehensive income - Items that may be reclassified in profit or loss - Hedging derivatives. Cash flow hedges (effective portion)' until the hedged item affects profit or loss. From that point onward, it will be recorded in the consolidated profit or loss account for the same period as the hedged item, except in cases where it is required to be included in the cost of the non-financial asset or liability, or the anticipated transactions are ultimately recognized as non-financial assets or liabilities.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">When cash flow hedges are discontinued, the accumulated result of the hedging instrument recognized in the equity heading 'Other accumulated global result' (while the hedge was effective) will continue to be recognized in that heading until the hedged transaction occurs, at which time it will be recorded in profit or loss, unless it is expected that the transaction will not take place, in which case it is recorded immediately in profit or loss.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net investment hedges of a foreign operation: This is a hedge of the amount corresponding to the reporting entity's share of the net assets of said operation.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The effective portion of the hedging instrument is temporarily recorded in the equity account 'Other accumulated comprehensive income - Items that may be reclassified in profit or loss - Net investment hedges' in foreign operations until the gains or losses on the hedged item are recognized in profit or loss.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">To measure ineffectiveness, the Group compares the valuation of the hedging instrument with the valuation of the hedged item based on the hedged risk, using different methodologies such as the proxy method or the hypothetical derivative method. The ineffective portion of the cash flow and net investment hedge relationships in foreign operations is recorded directly in the consolidated profit and loss account, under the heading 'Net gains or losses from hedge accounting'. </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:130%">The Group discontinues accounting for hedging relationships when the hedging instrument expires, is sold, or when the hedging relationship becomes ineffective because it is no longer aligned with the risk management objective. In that case, the derivative is then treated as a trading derivative.</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:130%">If a hedging relationship ceases to meet the effectiveness requirements, but the risk management objective remains, the Group will assess whether to rebalance or adjust the hedging ratio to meet the effectiveness requirements again without discontinuing the hedging relationship.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">A hedging instrument is generally designated in its entirety, as the factors contributing to its fair value are interdependent. However, IFRS 9 allows certain parts of a hedging instrument to be excluded from its fair value:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt">Separating the intrinsic value and the time value of an option and designating only the intrinsic element as the hedging instrument, which is mandatory if the intrinsic value is designated;</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt">Separating the forward and spot elements of a forward contract and designating only the spot element as the hedging instrument, which will be determined for each hedging relationship. and</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.48pt">Separate the foreign currency basis spread of a currency derivative and exclude it from the designation of the hedging instrument, as determined for each hedging relationship.</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:130%">Separating these components will improve the effectiveness of the hedge and allows for alternative accounting treatment for the excluded component. This treatment consists of recording the changes in value under the heading 'Other accumulated comprehensive income &#8211; Undesignated items' and recording this component in the consolidated profit or loss statement, depending on the nature of the hedged item, either over a period of time or at the time the hedged transaction occurs.</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:130%">Additionally, if the entity manages the credit risk of all or part of a financial instrument through the use of credit derivatives, there is the option of designating a fair value credit exposure through profit or loss, provided that the derivative matches the name and priority of the financial instrument being hedged. This designation may be made at the initial recognition of the designated financial instrument or subsequently, with the designation being documented. From its designation, fair value variations (for all its risks, not exclusively credit risk) will be recorded in the consolidated profit and loss account.</span></div></div></div><span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory', window );">Derecognition of financial assets and liabilities</a></td>
<td class="text">Derecognition of financial assets and liabilities<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The accounting treatment of transfers of financial assets depends on the extent to which the risks and rewards associated with the transferred assets are transferred to third parties:</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">1.&#160;&#160;&#160;&#160;If the Group transfers substantially all the risks and rewards to third parties unconditional -sale of financial assets, sale of financial assets under an agreement to repurchase them at their fair value at the date of repurchase, sale of financial assets with a purchased call option or written put option that is deeply out of the money, securitisation of assets in which the transferor does not retain a subordinated debt or grant any credit enhancement to the new holders, and other similar cases-, the transferred financial asset is derecognised and any rights or obligations retained or created in the transfer are recognised simultaneously.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">2.&#160;&#160;&#160;&#160;If the Group retains substantially all the risks and rewards associated with the transferred financial asset -sale of financial assets under an agreement to repurchase them at a fixed price or at the sale price plus interest, a securities lending agreement in which the borrower undertakes to return the same or similar assets, and other similar cases-, the transferred financial asset is not derecognised and continues to be measured by the same criteria as those used before the transfer. In this case, the following items are recognised:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt">An associated financial liability, which is recognised for an amount equal to the consideration received and is subsequently measured at amortised cost, unless it meets the requirements for classification under 'Financial liabilities designated at fair value through profit or loss'.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt">The income from the transferred financial asset not derecognised and any expense incurred on the new financial liability, without offsetting.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">3.&#160;&#160;&#160;&#160;If the Group neither transfers nor retains substantially all the risks and rewards associated with the transferred financial asset -sale of financial assets with a purchased call option or written put option that is not deeply in or out of the money, securitisation of assets in which the transferor retains a subordinated debt or other type of credit enhancement for a portion of the transferred asset, and other similar cases- the following distinction is made:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt">If the transferor does not retain control of the transferred financial asset, the asset is derecognised and any rights or obligations retained or created in the transfer are recognised.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt">If the transferor retains control of the transferred financial asset, it continues to recognise it for an amount equal to its exposure to changes in value and recognises a financial liability associated with the transferred financial asset. The net carrying amount of the transferred asset and the associated liability is the amortised cost of the rights and obligations retained, if the transferred asset is measured at amortised cost, or the fair value of the rights and obligations retained, if the transferred asset is measured at fair value.</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:130%">Accordingly, financial assets are only derecognised when the rights to the cash flows they generate have expired or when substantially all the inherent risks and rewards have been transferred to third parties. Similarly, financial liabilities are only derecognised when the obligations they generate have been extinguished or when they are acquired with the intention either to cancel them or to resell them.</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:130%">Regarding contractual modifications of financial assets, Grupo Santander distinguishes two main categories depending on whether the new conditions result in the disposal of the asset (and recognition of a new one) or imply the continuation of the original instrument with the new modified terms:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Contractual modifications for commercial or market reasons, which are generally carried out at the request of the debtor to apply current market conditions to the debt. The new contract is considered a new transaction and, consequently, it is necessary to derecognize the original financial asset and recognize a new financial asset subject to the classification and measurement requirements established by IFRS 9. The new financial asset will be recorded at fair value and, if applicable, the difference between the carrying amount of the asset derecognized and the fair value of the new asset will be recognized in profit or loss.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Modifications due to refinancing or restructuring, in which the payment conditions are modified to allow a customer that is experiencing financial difficulties (current or foreseeable) to meet its payment obligations and that, if such modification had not been made, it would be reasonably certain that it would not be able to meet such payment obligations. In this case, the modification does not result in the derecognition of the financial asset, but rather the original financial asset is maintained and does not require a new assessment of its classification and measurement. When assessing credit impairment, the current credit risk (considering the modified cash flows) should be compared with the credit risk at initial recognition. The gross carrying amount of the financial asset (the present value of the renegotiated or modified contractual cash flows that are discounted at the original effective interest rate of the financial asset) should be recalculated, with a gain or loss recognized in profit or loss for the difference.</span></div><span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory', window );">Offsetting of financial instruments</a></td>
<td class="text">Offsetting of financial instruments<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Financial asset and liability balances are offset, i.e. reported in the consolidated balance sheet at their net amount, only if the Group entities currently have a legally enforceable right to set off the recognised amounts and intend either to settle on a net basis, or to realise the asset and settle the liability simultaneously.</span></div><span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory', window );">Impairment of financial assets</a></td>
<td class="text">Impairment of financial assets<div style="margin-bottom:3pt;margin-top:6pt"><span id="i283af405fc7c4a24b838197c064ca2fd"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Definition</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:130%">Grupo Santander associates an impairment in the value to financial assets measured at amortised cost, debt instruments measured at fair value with changes in other comprehensive income, lease receivables, assets from contracts and loan commitments and the financial guarantees issued that are not measured at fair value through profit or loss.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The impairment for expected credit losses is recorded with a charge to the consolidated income statement for the period in which the impairment arises. In the event of occurrence, the recoveries of previously recognised impairment losses are recorded in the consolidated income statement for the period in which the impairment no longer exists or is reduced.</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:130%">In the case of purchased or originated credit-impaired assets, the Group only recognizes at the reporting date the changes in the expected credit losses during the life of the asset since the initial recognition as a credit loss. In the case of assets measured at fair value with changes in other comprehensive income, the changes in the fair value due to expected credit losses are charged in the consolidated income statement of the year where the change happened, reflecting the rest of the valuation in other comprehensive income.</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:130%">As a rule, the expected credit loss is estimated as the difference between the contractual cash flows to be recovered and the expected cash flows discounted using the original effective interest rate. In the case of purchased or originated credit-impaired assets, this difference is discounted using the effective interest rate adjusted by credit rating.</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:130%">Depending on the classification of financial instruments, which is mentioned in the following sections, the expected credit losses may be along 12 months or during the life of the financial instrument:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">12-month expected credit losses: arising from the potential default events, as defined in the following sections that are estimated to be likely to occur within the 12 months following the reporting date. These losses will be associated with financial assets classified as 'normal risk' as defined in the following sections.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Expected credit losses over the life of the financial instrument: arising from the potential default events that are estimated to be likely to occur throughout the life of the financial instruments. These losses are associated with financial assets classified as 'normal risk under watchlist' or 'doubtful risk'.</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:130%">With the purpose of estimating the expected life of the financial instrument all the contractual terms have been taken into account (e.g. prepayments, duration, purchase options, etc.), being the contractual period (including extension options) the maximum period considered to measure the expected credit losses. In the case of financial instruments with an uncertain maturity period and a component of undrawn commitment (e.g.: credit cards), the expected life is estimated through quantitative analyses to determine the period during which the entity is exposed to credit risk, also considering the effectiveness of management procedures that mitigate such exposure (e.g. the ability to unilaterally cancel such financial instruments, etc.).</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:130%">The following constitute effective guarantees:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a)&#160;&#160;&#160;&#160;Mortgage guarantees on housing as long as they are first duly constituted and registered in favour of the entity. The properties include:</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">i.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:9.97pt">Buildings and building elements, distinguishing among:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Houses.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Offices, stores and multi-purpose premises.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Rest of buildings such as non-multi-purpose premises and hotels.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">ii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:7.94pt">Urban and developable ordered land.</span></div><div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">iii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.91pt"> Rest of properties that classify as: buildings and building elements under construction, such as property development in progress and halted development, and the rest of land types, such as rustic lands.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b)&#160;&#160;&#160;&#160;Collateral guarantees on financial instruments in the form of cash deposits, debt securities or equity instruments issued by creditworthy issuers.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c)&#160;&#160;&#160;&#160;Other types of real guarantees, including properties received in guarantee and second and subsequent mortgages on properties, as long as the entity demonstrates its effectiveness. When assessing the effectiveness of the second and subsequent mortgages on properties the entity will implement particularly restrictive criteria. It will take into account, among others, whether the previous charges are in favour of the entity itself or not and the relationship between the risk guaranteed by them and the property value.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">d)&#160;&#160;&#160;&#160;Personal guarantees, as well as the incorporation of new owners, covering the entire amount of the financial instruments and implying direct and joint liability to the entity of persons or other entities whose solvency is sufficiently proven to ensure the repayment of the loan on the agreed terms.</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:130%">The different aspects that the Group considers for the evaluation of effective guarantees are set out below in relation to the individual analysis.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i31f6193db9db45db9ab2d4646cdb5ac2"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Financial instruments presentation</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:130%">For the purposes of estimating the impairment amount, and in accordance with its internal policies, the Group classifies its financial instruments (financial assets, commitments and guarantees) measured at amortised cost or fair value through other comprehensive income in one of the following categories:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Normal Risk ('stage 1'): includes all instruments that do not meet the requirements to be classified in the rest of the categories.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Normal risk under watchlist ('stage 2'): includes all instruments that, without meeting the criteria for classification as doubtful or default risk, have experienced significant increases in credit risk since initial recognition.</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:130%">In order to determine whether a financial instrument has increased its credit risk since initial recognition and is to be classified in stage 2, the Group considers the following criteria:</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:18.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:79.147%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Quantitative criteria</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the risk of a default occurring through the expected life of the financial instrument are analysed and quantified with respect to its credit level in its initial recognition.<br/></span><span style="font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><br/></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">With the purpose of determining if such changes are considered as significant, with the consequent classification into stage 2, each Group unit has defined the quantitative thresholds to consider in each of its portfolios taking into account corporate guidelines ensuring a consistent interpretation in all units.<br/></span><span style="font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><br/></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Within the quantitative thresholds, two types are considered: A relative threshold is those that compare current credit quality with credit quality at the time of origination in percentage terms of change. In addition, an absolute threshold compares both references in total terms, calculating the difference between the two. These absolute/relative concepts are used homogeneously (with different values) in all geographies. The use of one type of threshold or another (or both) is determined in accordance with the process described in note 54, below, and is marked by the type of portfolio and characteristics such as the starting point of the average credit quality of the portfolio.</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Qualitative criteria</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:110%">In addition to the quantitative criteria indicated, various indicators are used that are aligned with those used by the Group in the normal management of credit risk. Irregular positions of more than 30 days and renewals are common criteria in all Group units. In addition, each unit can define other qualitative indicators, for each of its portfolios, according to the particularities and normal management practices in line with the policies currently in force (i.e. use of management alerts, etc.).<br/>The use of these qualitative criteria is complemented with the use of an expert judgement, under the corresponding governance.</span></div></td></tr></table></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:130%">In the case of forbearances, instruments classified as 'normal risk under watchlist' may be generally reclassified to 'normal risk' in the following circumstances: at least two years have elapsed from the date of reclassification to that category or from its forbearance date, the client has paid the accrued principal and interest balance, and the client has no other instruments with more than 30 days past due balances.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Doubtful Risk ('stage 3'): includes financial instruments, overdue or not, in which, without meeting the circumstances to classify them in the category of default risk, there are reasonable doubts about their total repayment (principal and interests) by the client in the terms contractually agreed. Likewise, off-balance-sheet exposures whose payment is probable and their recovery doubtful are considered in stage 3. Within this category, two situations are differentiated:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Doubtful risk for non-performing loans: financial instruments, irrespective of the client and guarantee, with balances more than 90 consecutive days on material arrears for principal, interest or expenses contractually agreed. </span></div><div style="margin-bottom:9pt;padding-left:21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This category also includes all loan balances for a client  when the operations with more than 90 consecutive days on material arrears are greater than 20% of the amounts pending collection. </span></div><div style="margin-bottom:9pt;padding-left:21.26pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">These instruments may be reclassified to other categories if, as a result of the collection of part of the past due balances, the reasons for their classification in this category do not remain and the client does not have balances more than 90 consecutive days on material arrears in other loans.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Doubtful risk for reasons other than non-performing loans: this category includes doubtful recovery financial instruments that are not more than 90 consecutive days on material arrears.</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:130%">Grupo Santander considers that a financial instrument to be doubtful for reasons other than delinquency when one or more combined events have occurred with a negative impact on the estimated future cash flows of the financial instrument. To this end, the following indicators, among others, are considered:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.31pt">Negative net equity or decrease because of losses of the client's net equity by at least 50% during the last financial year.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.01pt">Continued losses or significant decrease in revenue or, in general, in the client's recurring cash flows.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.92pt">Generalised delay in payments or insufficient cash flows to service debts.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">d)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.01pt">Significantly inadequate economic or financial structure or inability to obtain additional financing by the client.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">e)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.25pt">Existence of an internal or external credit rating showing that the client is in default.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">f)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.73pt">Existence of overdue customer commitments with a significant amount to public institutions or employees.</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:130%">These financial instruments may be reclassified to other categories if, as a result of an individualised study, reasonable doubts do not remain about the total repayment under the contractually agreed terms and the client does not have balances of 90 days on material arrears.</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:130%">In the case of forbearances, instruments classified as doubtful risk may be reclassified to the category of 'normal risk under watchlist' when the following circumstances are present: a minimum period of one year has elapsed from the forbearance date, the client has paid the accrued principal and interest amounts, and the client has no other loan balances of 90 days on material arrears.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Default Risk: includes all financial assets, or part of them, for which, after an individualised analysis, their recovery is considered remote due to a notorious and irrecoverable deterioration of their solvency.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In any event, except in the case of financial instruments with effective collateral covering a substantial portion of the transaction amount, the Group generally consider as remote the following:</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-indent:-6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">- Those operations that, after an individualized analysis, are categorized as unsustainable debt, assuming an irrecoverability of such debt.</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-indent:-6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">- Transactions classified as doubtful due to non-performing loans with recovery costs that exceed the amounts receivable.</span></div><div style="margin-bottom:9pt;padding-left:18pt;text-indent:-6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">- The operations on which the award is executed. The queue of these operations shall be included under default risk, as the recovery of the flows, provided that no further guarantees associated with the operation remain after the award of the property.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:18pt;text-indent:-6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">- Those operations on which a deduction is made, the portion of the operation corresponding to that deduction, will be given as a balance at the time of signature.</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:130%">A financial asset amount is maintained in the balance sheet until they are considered as a 'default risk', either all or a part of it, and the write-off is registered against the balance sheet.</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:130%">In the case of operations that have only been partially derecognised, for forgiveness reasons or because part of the total balance is considered unrecoverable, the remaining amount shall be fully classified in the category of 'doubtful risk', except where duly justified.</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:130%">The classification of a financial asset, or part of it, as a 'default risk' does not involve the disruption of negotiations and legal proceedings to recover the amount.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="iccd172da29b94981aac9cadfebbc7e65"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Impairment valuation assessment</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:130%">Grupo Santander has policies, methods and procedures in place to hedge its credit risk, both due to the insolvency attributable to counterparties and its residence in a specific country. </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:130%">These policies, methods and procedures are applied in the concession, study and documentation of financial assets, commitments and guarantees, as well as in the identification of their impairment and in the calculation of the amounts needed to cover their credit risk.</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:130%">The impairment represents the best estimation of the financial assets expected credit losses at the balance sheet date, assessed both individually and collectively.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Individually: for the purposes of estimating the provisions for credit risk arising from the insolvency of a financial instrument, the Group individually assesses impairment by estimating the expected credit losses on those financial instruments that are considered to be significant and with sufficient information to make such an estimate.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Therefore, this classification mostly includes wholesale banking customers &#8212;Corporations, specialised financing&#8212; as well as some of the largest companies &#8212;Chartered and real estate developers&#8212; from retail banking. The determination of the perimeter in which the individualised estimate is applied is detailed in a later section.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The individually assessed impairment estimate is equal to the difference between the gross carrying amount of the financial instrument and the estimated value of the expected cash flows receivable discounted using the original effective interest rate of the transaction. The estimate of these cash flows takes into account all available information on the financial asset and the effective guarantees associated with that asset. This estimation process is detailed below.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Collectively: the Group also assesses impairment by estimating the expected credit losses collectively in cases where they are not assessed on an individual basis. This includes, for example, loans with individuals, sole proprietors or businesses in retail banking  subject to a standardised risk management.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For the purposes of the collective assessment of expected credit losses, the Group has consistent and reliable internal models. For the development of these models, instruments with similar credit risk characteristics that are indicative of the debtors' capacity to pay are considered.</span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The credit risk characteristics used to group the instruments are, among others: type of instrument, debtor's sector of activity, geographical area of activity, type of guarantee, aging of past due balances and any other factor relevant to estimating the future cash flows.</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:130%">Grupo Santander performs retrospective and monitoring tests to evaluate the reasonableness of the collective estimate.</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:130%">On the other hand, the methodology required to estimate the expected credit loss due to credit events is based on an unbiased and weighted consideration by the probability of occurrence of a series of scenarios, considering a range of three to five possible future scenarios, depending on the characteristics of each unit, which could have an impact on the collection of contractual cash flows, always taking into account the time value of money, as well as all available, reasonable and sustainable information on past events, current conditions and forecasts of the evolution of macroeconomic scenarios that are shown to be relevant for the estimation of this amount (for example: GDP (Gross Domestic Product), housing price, unemployment rate, etc.).</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:130%">The estimation of expected losses requires expert judgment and the support of historical, current and future information. The probability of loss is measured considering past events, the present situation and future trends of macroeconomic scenarios.</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:130%">Grupo Santander uses forward-looking information in both internal risk management and prudential regulation processes, so that for the calculation of the impairment loss allowance, various scenarios are incorporated that take advantage of the experience with such information, thus ensuring consistency in obtaining the expected loss.</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:130%">The complexity of the estimation in this exercise has been derived from the current macroeconomic scenario as a consequence of the complex geopolitical situation, as well changes in inflations levels and interest rates, which has generated uncertainty in economic evolution.</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:130%">Grupo Santander has internally ensured the criteria to be followed for guarantees received from government bodies, both through credit lines and other public guarantees, so that when they are adequately reflected in each of the contracts, they are recognised as mitigating factors of the potential expected losses, and therefore of the provisions to be recognised, based on the provisions of the applicable standard (IFRS 9 Par. B5.5.55). Furthermore, where applicable, these guarantees are appropriately reflected in the mitigation of the significant increase in risk, considering their nature as personal guarantees.</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:130%">For the estimation of the parameters used in the estimation of impairment provisions -EAD (exposure at default), PD (probability of default), LGD (loss given default)-, the Group based its experience in developing internal models for the estimation of parameters both in the regulatory area and for management purposes, adapting the development of the impairment provision models under IFRS 9.</span></div></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Exposure at default: is the amount of estimated risk incurred at the time of the counterparty's analysis.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Probability of default: is the estimated probability that the counterparty will default on its principal and/or interest payment obligations.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Loss given default: is the estimate of the severity of the loss incurred in the event of non-compliance. It depends mainly on the updating of the guarantees associated with the operation and the future cash flows that are expected to be recovered.</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:130%">In any case, when estimating the flows expected to be recovered, portfolio sales are included. It should be noted that due to the Group's recovery policy and the experience observed in relation to the prices of past sales of assets classified as stage 3 and/or default risk, there is no substantial divergence between the flows obtained from recoveries after performing recovery management of the assets with those obtained from the sale of portfolios of assets discounting structural expenses and other costs incurred.</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:130%">The definition of default implemented by the Group for the purpose of calculating the impairment provision models is based on the definition in Article 178 of Regulation 575/2013 of the European Union (CRR), which is fully aligned with the requirements of IFRS 9, which considers that a 'default' exists in relation to a specific customer/contract when at least one of the following circumstances exists: the entity considers that there are reasonable doubts about the payment of all its credit obligations or that the customer/contract is in an irregular situation for more than 90 consecutive days past due material balances with respect to any significant credit obligation.</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:130%">Grupo Santander aligned partially and voluntarily during 2022 the accounting definition of Stage 3, as well as the calculation of impairment provision models, to the New Definition of Default, incorporating the criteria defined by the EBA in its implementation guide of the definition of default, capturing the economic deterioration of the operations (days in default - on a daily basis - and materiality thresholds - minimum amount in arrears). The alignment of criteria was done taking into account the criteria of IFRS 9 as well as the accounting principles of unbiased presentation of financial information. Grupo Santander registered an increase in the default rate at around 19 basis points, with no material impact on the provision figures for credit risk.</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:130%">In addition, the Group considers the risk generated in all cross-border transactions due to circumstances other than the usual commercial risk of insolvency (sovereign risk, transfer risk or risks arising from international financial activity, such as wars, natural catastrophes, balance of payments crisis, etc.).</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:130%">IFRS 9 includes a series of practical solutions that can be implemented by entities, with the aim of facilitating its implementation. In order to achieve a complete and high-level implementation of the standard, and following the best practices of the industry, the Group applies these practical solutions adapting them to their own characteristics and circumstances:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Rebuttable presumption that the credit risk has increased significantly, when payments are more than 30 days past due: this threshold is used as an additional, but not primary, indicator of significant risk increase. </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Assets with low credit risk at the reporting date: the Group adopts this practice prioritizing its reduced and punctual use and its systematic and periodic justification through quantitative evidence. </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:130%">This information is provided in more detail in note 54.b.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i9c52c0a773f8484bac5280424038dcc7"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iv. Detail of individual estimate of impairment</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:130%">For the individual estimate of the assessment for impairment of the financial asset, the Group has a specific methodology to estimate the value of the cash flows expected to be collected:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Recovery through the debtor's ordinary activities (going approach).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Recovery through the execution and sale of the collateral guaranteeing the operations (gone approach).</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:130%">Gone approach:</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:130%">a. Evaluation of the effectiveness of guarantees</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:130%">Grupo Santander assesses the effectiveness of all the guarantees associated considering the following:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The time required to execute these guarantees.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Grupo Santander's ability to enforce or assert these guarantees in its favour.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The existence of limitations imposed by each local unit&#180;s regulation on the foreclosure of collateral.</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:130%">Under no circumstances the Group considers that a guarantee is effective if its effectiveness depends substantially on the solvency of the debtor, as could be the case:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Promises of shares or other securities of the debtor himself when their valuation may be significantly affected by a debtor's default.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Personal cross-collateralisation: when the guarantor of a transaction is, at the same time, guaranteed by the holder of that transaction.</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:130%">The different types of effective guarantees have been detailed in section i. Definition</span></div><div style="margin-bottom:6pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b. Valuation of guarantees</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander assesses the guarantees on the basis of their nature in accordance with the following:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Mortgage guarantees on properties associated with financial instruments, using complete individual valuations carried out by independent valuation experts and under generally accepted valuation standards. If this is not possible, alternative valuations are used with duly documented and approved internal valuation models.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Personal guarantees are valued individually on the basis of the guarantor&#180;s updated information.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The rest of the guarantees are valued based on current market values.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c. Adjustments to the value of guarantees and estimation of future cash flow inflows and outflows</span></div></div></div><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander applies a series of adjustments to the value of the guarantees in order to improve the reference values:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Adjustments based on the historical sales experience of local units for certain types of assets.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Individual expert adjustments based on additional management information.</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:130%">Likewise, to adjust the value of the guarantees, the time value of money is taken into account based on the historical experience of each of the units, estimating:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Period of adjudication.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Estimated time of sale of the asset.</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:130%">In addition, the Group takes into account all those cash inflows and outflows linked to that guarantee until it is sold:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Possible future income commitments in favour of the borrower which will available after the asset is awarded.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Estimated foreclosure costs.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Asset maintenance costs, taxes and community costs.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Estimated marketing or sales costs.</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:130%">Finally, since it is considered that the guarantee will be sold in the future, the Group applies an additional adjustment ('index forward') in order to adjust the value of the guarantees to future valuation expectations.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i51a0b477e28c414aa9b7a3fe6148a03a"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">v. Impairment individual assessment scope</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:130%">Grupo Santander determines the perimeter over which it makes an estimate of the assessment for impairment on an individual basis based on a relevance threshold set by each of the geographical areas and the stage in which the operations are located. In general, the Group applies the individualised calculation of expected losses to the significant exposures classified in stage 3, although Banco Santander, S.A. has also extended its analyses to some of the exposures classified in stage 2.</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:130%">It should be noted that, in any case and irrespective of the stage in which their transactions are carried out, for customers who do not receive standardised treatment, a relational risk management model is applied, with individualised treatment and monitoring by the assigned risk analyst. In addition to wholesale customers (Santander Corporate &amp; Investment Banking or SCIB) and large companies, this relational management model also includes other segments of smaller companies for which there is information and capacity for more personalised and expert analysis and monitoring.  As indicated in the Group's wholesale credit model, the individual treatment of the client facilitates the continuous updating of information. The risk assumed must be followed and monitored throughout its life cycle, enabling anticipation and action to be taken in the event of possible impairments. In this way, the customer's credit quality is analysed individually, taking into account specific aspects such as his competitive position, financial performance, management, etc. In the wholesale risk management model, every customer with a credit risk position is assigned a rating, which has an associated probability of customer default. </span></div></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:130%">Thus, individual analysis of the debtor triggers a specific rating for each customer, which determines the appropriate parameters for calculating the expected loss, so that it is the rating itself that initially modulates the necessary coverage, adjusting the severity of the possible loss to the guarantees and other mitigating factors that the customer may have available. In addition, if as a result of this individualised monitoring of the customer, the analyst finally considers that his coverage is not sufficient, he has the necessary mechanisms to adjust it under his expert judgement, always under the appropriate governance.</span></div><span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory', window );">Non-current assets and liabilities associated with non-current assets held for sale</a></td>
<td class="text">'Non-current assets' and 'liabilities associated with non-current assets held for sale'<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Non-current assets held for sale' includes the carrying amount of individual items, disposal groups or items forming part of a business unit earmarked for disposal (discontinued operations), whose sale in their present condition is highly likely to be completed within one&#160;year from the reporting date. Therefore, the recovery of the carrying amount of these items&#160;-which can be of a financial nature or otherwise- will foreseeably be effected through the proceeds from their disposal.</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:130%">Specifically, property or other non-current assets received by the consolidated entities as total or partial settlement of their debtors&#8217; payment obligations to them are deemed to be 'Non-current assets held for sale', unless the consolidated entities have decided to make continuing use of these assets.</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:130%">'Liabilities associated with non-current assets held for sale' includes the balances payable arising from the assets held for sale or disposal groups and from discontinued operations.</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:130%">'Non-current assets and disposal groups of items that have been classified as held for sale' are generally recognised at the date of their allocation to this category and are subsequently valued at the lower of their fair value less costs to sell or its book value. 'Non-current assets and disposal groups of items that are classified as held for sale' are not amortised as long as they remain in this category.</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:130%">The valuation of the portfolio of non-current assets held for sale has been made in compliance with the requirements of International Financial Reporting Standards in relation to the estimate of the fair value of tangible assets and the value-in-use of financial assets.</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:130%">The value of the portfolio is determined as the sum of the values of the individual elements that compose the portfolio, without considering any total or batch grouping in order to correct the individual values.</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:130%">For the purposes of its consideration in initial recognition, the Group obtains, at the time of award, the fair value of the corresponding asset by requesting an appraisal from external valuation agencies.</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:130%">Grupo Santander has in place a corporate policy that ensures the professional competence and the independence and objectivity of the external appraisal agencies, in accordance with the regulations, which require appraisal agencies to meet independence, neutrality and credibility requirements, so that the use of their estimates does not reduce the reliability of its valuations. </span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This policy establishes that all the appraisal companies and agencies with which the Group works in Spain should be registered in the Official Register of the Bank of Spain and that the appraisals performed by them should follow the methodology established in Order ECO/805/2003, of 27 March. The main appraisal companies and agencies with which the Group worked in Spain in 2025 are as follows: Tinsa Tasaciones Inmobiliarias, S.A.U., Sociedad de Tasaci&#243;n, S.A., Global Valuation, S.A.U., Instituto de Valoraciones, S.A., Euroevaluaciones, S.A. and Valoraciones Mediterr&#225;neo, S.A. </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:130%">Also, this policy establishes that the various subsidiaries abroad work with appraisal companies that have recent experience in the area and the type of asset under appraisal and meet the independence requirements established in the corporate policy. They should verify, inter alia, that the appraisal company is not a party related to the Group and that its billings to the Group in the last twelve&#160;months do not exceed 15% of the appraisal company&#8217;s total billings.</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:130%">At 31 December 2025 the fair value less costs to sell of non-current assets held for sale exceeded their carrying amount by EUR 551 million (EUR 553 million at 31 December 2024); however, in accordance with the accounting standards, this unrealised gain could not be recognised.</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:130%">Banco Santander, in compliance with Bank of Spain Circular 4/2017, and subsequent amendments, on public and private financial reporting standards and financial statement models, has developed a methodology that enables it to estimate the fair value and costs of sale of assets foreclosed or received in payment of debts. This methodology is based on the classification of the portfolio of foreclosed assets into different segments. Segmentation enables the intrinsic characteristics of Banco Santander's portfolio of foreclosed assets to be differentiated, so that assets with homogeneous characteristics are grouped by segment.</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:130%">Thus, the portfolio is segmented into (i) finished assets of a residential and tertiary nature, (ii) developments in progress and (iii) land.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">1</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:121%">In determining the critical segments in the overall portfolio, assets are classified on the basis of the nature of the asset and its stage of development. This segmentation is made in order to seek the liquidation of the asset (which should be carried out in the shortest possible time).</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:130%">When making decisions, the situation and/or characteristics of the asset are fundamentally taken into account, as well as the evaluation of all the determining factors that favour the recovery of the debt. For them, the following aspects are analyzed, among others:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The time that has elapsed since the adjudication.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The transferability and contingencies of the foreclosed asset.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The economic viability from the real estate point of view with the necessary investment estimate.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The expenses that may arise from the marketing process.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The offers received, as well as the difficulties in finding buyers.</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:130%">In the case of real estate assets foreclosed in Spain, which represent 76% of the Group&#8217;s total non-current assets held for sale, the valuation of the portfolio is carried out by applying the following models:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Market Value Model used in the valuation of finished properties of a residential nature (mainly homes and car parks) and properties of a tertiary nature (offices, commercial premises and multipurpose buildings). For the valuation of finished assets whose availability for sale is immediate, a market sale value provided by a third party external to Banco Santander is considered, calculated under the AVM methodology by the comparable properties method adjusted by our experience in selling similar assets, given the term, price, volume, trend in the value of these assets and the time elapsing until their sale and discounting the estimated costs of sale.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The market value is determined on the basis of the definition established by the International Valuation Standards drawn up by the IVSC (International Valuation Standards Council), understood as the estimated amount for which an asset or a liability should be exchanged on the measurement date between a willing buyer and a willing seller, in an arm's length transaction, after appropriate marketing, and in which the parties have acted with sufficient information, prudently and without coercion.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The current market value of the properties is estimated on the basis of automated valuations obtained by taking comparable properties as a reference; simulating the procedure carried out by an appraiser in a physical valuation according to Order ECO 805/2003: selection of properties and obtaining the unit value by applying homogenisation adjustments. The selection of the properties is carried out by location within the same real estate cluster and according to the characteristics of the properties, filtering by type</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">, surface area range and age. The model enables a distinction to be made within the municipality under study as to which areas are similar and comparable and therefore have a similar value in the property market, discriminating between which properties are good comparators and which are not.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Adjustments to homogenize the properties are made according to: (i) the age of the property according to the age of the property to be valued, (ii) the deviation of the built area from the common area with respect to the property to be valued and (iii) by age of the date of capture of the property according to the price evolution index of the real estate market.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, for individually significant assets, complete individual valuations are carried out, including a visit to the asset, market analysis (data relating to supply, demand, current sale or rental price ranges and supply-demand and revaluation expectations) and an estimate of expected income and costs.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span><br/></span></div></div></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">1. The assets in a situation of 'stopped development' are included under 'land</span></div><div style="padding-left:9.07pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">2. Assets qualified as protected housing are taken into account. The maximum legal value of these assets is determined by the VPO module, obtained from the result of multiplying the State Basic Module (MBE) by a zone coefficient determined by each autonomous community. To carry out the valuation of a protected property, the useful surface area is used in accordance with current regulations.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%">For this segmentation of assets, when they are completed, the real costs are known and the actual expenses for the marketing and sale of the asset must be taken into account. Therefore, Banco Santander uses the actual costs in its calculation engine or, failing that, those estimated on the basis of its observed experience.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Market Value Model according to Evolution of Market Values used to update the valuation of developments in progress. The valuation model estimates the current market value of the properties based on complete individual valuations by third parties, calculated from the values of the feasibility studies and development costs of the promotion, as well as the selling costs, distinguishing by location, size and type of property. The inputs used in the valuation model for residential assets under construction are actual revenues and costs.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For this purpose, in order to calculate the investment flows, Banco Santander considers, on the basis of the feasibility studies, the expenditure required for construction, the professional fees relating to the project and to project management, the premiums for mandatory building insurance, the developer's administrative expenses, licenses, taxes on new construction and fees, and urban development charges.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">With respect to the calculation of income flows, Banco Santander takes into account the square metres built, the number of homes under construction and the estimated selling price over 1.5 years.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The market value will be the result of the difference between the income flows and the investment flows estimated at each moment.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Land Valuation model. The methodology followed by the Group regarding land valuation consists of updating the individual reference valuation of each of the land on an annual basis, through updated valuation valuations carried out by independent professionals and following the methodology established in the Order ECO/805/2003, of 27 March, whose main verifications in the case of land valuation, regardless of the degree of urbanisation of the land, correspond to:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Visual verification of the assessed property.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Registry description.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Urban planning.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Visible easements.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Visible state of occupation, possession, use and exploitation.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Protection regime.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Apparent state of preservation.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Correspondence with cadastral property.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Existence of expropriation procedure, expropriation plan or project, administrative resolution or file that may lead to expropriation.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Expiry of the urbanization or building deadlines.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Existence of a procedure for failure to comply with obligations.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Verification of surfaces.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For the purposes of valuation, the land will be classified in the following levels:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Level I: It will include all the lands that do not belong to level II.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Level II: It shall include land classified as undeveloped where building is not allowed for uses other than agriculture, forestry, livestock or linked to an economic exploitation permitted by the regulations in force. Also included are lands classified as developable that are not included in a development area of urban planning or that, in such an area, the conditions for its development have not been defined.</span></div><div style="margin-bottom:9pt;padding-left:21.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In those cases where the Group does not have an updated reference value through an ECO valuation for the current year, we use as a reference value the latest available ECO valuation reduced or corrected by the average annual coverage ratio of the land on which we have obtained an updated reference value, through an ECO valuation. </span></div><div style="margin-bottom:9pt;padding-left:21.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander applies a discount to the aforementioned reference values that takes into account both the discount on the reference value in the sales process and the estimated costs of marketing or selling the land; discount on reference value = % discount on sales + % marketing costs being:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">% discount on Sales: = 100 - (sales price / updated appraisal value).</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">marketing costs: calculated on the basis of our historical experience in sales and in accordance with the marketing management fees negotiated with our suppliers of this type of service.</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:130%">In this way the Group obtains the corrected market value, an amount that we compare with the net cost of each piece of land to determine its correct valuation and conclude with our valuation process.</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:130%">In addition, in relation to the previously mentioned valuations, less costs to sell, are contrasted with the sales experience of each type of asset in order to confirm that there is no significant difference between the sale price and the valuation.</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:130%">Impairment losses on an asset or disposal group arising from a reduction in its carrying amount to its fair value (less costs to sell) are recognised under 'Gains or (losses) on non-current assets held for sale not classified as discontinued operations' in the consolidated income statement.</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:130%">The gains on a non-current asset held for sale resulting from subsequent increases in fair value (less costs to sell) increase its carrying amount and are recognised in the consolidated income statement up to an amount equal to the impairment losses previously recognised.</span></div></div></div><span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfAccountingPolicyForReinsuranceExplanatory', window );">Assets under insurance or reinsurance contracts and Liabilities under insurance or reinsurance contracts</a></td>
<td class="text">Assets under reinsurance contracts and Liabilities under insurance contracts<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The Group has prepared the accounting policy that establishes the criteria for recording insurance contracts, in accordance with IFRS 17. This standard defines insurance contracts as contracts under which one party accepts a significant insurance risk from another party by agreeing to compensate the policyholder if a specific uncertain future event negatively affects the policyholder. </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:130%">IFRS 17 requires a level of aggregation of contracts that the Group identifies in portfolios of contracts with similar risks and that are managed jointly. The Group then divides each portfolio into a minimum of three groups: (i) contracts that are onerous on initial recognition; (ii) contracts that, upon initial recognition, have no significant possibility of subsequently becoming onerous; and (iii) any remaining contract.</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:130%">For contracts that are considered not to be onerous, a profit margin is recognized in the profit and loss account (referred to as 'Contractual Service Margin' or 'CSM') throughout the period in which the entity performs the service. However, if at the time of initial recognition, or during the period in which the entity performs the service, the contract is onerous, the entity recognizes the loss in the income statement. </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:130%">Contract limits define the term up to which compliance cash flows must be considered in order to measure an insurance contract. Fulfilment cash flows comprise an unbiased, probability-weighted estimate of future cash flows, a discount adjustment to the present value to reflect the time value of money for monetary and financial risks, and a risk adjustment for non-fulfilment risks. financial. The identification of the contractual limit under IFRS 17 is essential not only for measuring the fulfilment cash flows of a group of contracts, but also for determining the applicable measurement model, in case the contractual limits are identified in a year or more.</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:130%">Cash flows are within the contractual limit of an insurance contract if they arise from substantial rights and obligations that exist during the reporting period, in which the entity can obligate the insurance policyholder to pay premiums or in which the entity has a substantive obligation to provide services to the insured. </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:130%">The Group has carried out an analysis of the limits of insurance and reinsurance contracts under IFRS 17, separately, generally applying the General Model (Building Block Approach) to all contracts, except those eligible to be valued by the Simplified Model (Premium Allocation Approach), or the Variable Commission Approach ('VCA' or Variable Fee Approach). </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:130%">The general model measures a group of contracts as the sum of the fulfilment cash flows and the Contractual Service Margin. The CSM represents benefits not yet recorded that the entity will recognize as providing services under the insurance contract.</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:130%">Insurance contracts with direct participation apply the VCA as a modified version of the General Model. This should reduce the volatility of results due to the asymmetry between the accounting treatment of the profit and losses of the underlying items attributable to the policyholders and the accounting treatment of the liability owed to those policyholders. </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:130%">Another aspect considered in measuring the present value of the future cash flows of a group of insurance contracts is the discount </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:130%">rate applied to reflect the time value of money and the financial risks related to those cash flows. The Group has established a generally chosen methodology and guarantees that the calculation components have a homogeneous basis, previously approved by the Group, establishing the base curves provided by the Group and allowing adjustments to these curves based on the expert criteria of each local address.</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:130%">Likewise, measuring compliance cash flows requires a risk adjustment for non-financial risk. Risk adjustment for non-financial risk is the compensation necessary to withstand uncertainty about the amount and timing of cash flows arising from non-financial risks. If a change in the assumptions occurs, it could affect the income statement or the Other comprehensive income, depending on its nature. The risks covered by the risk adjustment for non-financial risk are insurance risk and other non-financial risks, such as interruption risk and expense risk.</span></div><span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory', window );">Tangible assets</a></td>
<td class="text">Tangible assets<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Tangible assets includes the amount of buildings, land, furniture, vehicles, computer hardware and other fixtures owned by the consolidated entities or acquired under finance leases. Tangible assets are classified by use as follows:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ib2f05474c0d844f49d5d7c7a377f5dc0"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Property, plant and equipment for own use</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:130%">Property, plant and equipment for own use&#160;&#8211; including tangible assets received by the consolidated entities in full or partial satisfaction of financial assets representing receivables from third parties which are intended to be held for continuing use and tangible assets acquired under finance leases&#8211; are presented at acquisition cost, less the related accumulated depreciation and any estimated impairment losses (carrying amount higher than recoverable amount).</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:130%">Depreciation is calculated, using the straight-line method, on the basis of the acquisition cost of the assets less their residual value. The land on which the buildings and other structures stand has an indefinite life and, therefore, is not depreciated. </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:130%">The annual tangible asset depreciation charge is recognised in the consolidated income statement and are essentially equivalent to the following amortization percentages (determined based on the years of estimated useful life, on average, of the different elements):</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:64.332%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:33.468%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Average<br/>annual&#160;rate</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Buildings for own use</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.4</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Furniture</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.5</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Fixtures</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.5</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Office and IT equipment</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23.6</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Lease use rights</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Less than the lease<br/>term or the useful life<br/>of the underlying asset</span></td></tr></table></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:130%">At the end of each reporting period, consolidated entities assess whether there is any indication that the carrying amount of an asset exceeds its recoverable amount, in which case they write down the carrying amount of the asset to its recoverable amount and adjust future depreciation charges in proportion to its adjusted carrying amount and to its new remaining useful life, if the useful life needs to be re-estimated.</span></div><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Similarly, if there is an indication of a recovery in the value of a tangible asset, the consolidated entities recognise the reversal of the impairment loss recognised in prior periods and adjust the future depreciation charges accordingly. In no circumstances may the reversal of an impairment loss on an asset raise its carrying amount above that which it would have if no impairment losses had been recognised in prior years.</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:130%">The estimated useful lives of the items of property, plant and equipment for own use are reviewed at least at the end of the reporting period with a view to detecting significant changes therein. If changes are detected, the useful lives of the assets are adjusted by correcting the depreciation charge to be recognised in the consolidated income statement in future years on the basis of the new useful lives.</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:130%">Upkeep and maintenance expenses relating to property, plant and equipment for own use are recognised as an expense in the period in which they are incurred, since they do not increase the useful lives of the assets.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i7a85c7851c4b4ffcb8804bcfad57748e"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Investment property</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:130%">'Investment property' reflects the net values of the land, buildings and other structures held either to earn rentals or for obtaining profits by sales due to future increase in market prices.</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:130%">The criteria used to recognise the acquisition cost of investment property, to calculate its depreciation and its estimated useful life and to recognise any impairment losses thereon are consistent with those described in relation to property, plant and equipment for own use.</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:130%">In the case of investment properties that support obligations to pay a return directly linked to fair value, or to the returns of certain assets including the investment property itself, such properties are measured using the fair value model.</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:130%">In order to evaluate the possible impairment Grupo Santander determines periodically the fair value of its investment property so that, at the end of the reporting period, the fair value reflects the market conditions of the investment property at that date. This fair value is determined annually, taking as benchmarks the valuations performed by independent experts. The methodology used to determine the fair value of investment property is selected based on the status of the asset in question; thus, for properties earmarked for lease, the valuations are performed using the sales comparison approach, whereas for leased properties the valuations are made primarily using the income capitalisation approach and, exceptionally, the sales comparison approach.</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:130%">In the sales comparison approach, the property market segment for comparable properties is analysed, inter alia, and, based on specific information on actual transactions and firm offers, current prices are obtained for cash sales of those properties. The valuations performed using this approach are considered as Level 2 valuations.</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:130%">In the income capitalisation approach, the cash flows estimated to be obtained over the useful life of the property are discounted taking into account factors that may influence the amount and actual obtainment thereof, such as: (i) the payments that are normally received on comparable properties; (ii) current and probable future occupancy; (iii) the current or foreseeable default rate on payments. The valuations performed using this approach </span></div></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:130%">are considered as Level 3 valuations, since significant unobservable inputs are used, such as current and probable future occupancy and/or the current or foreseeable default rate on payments.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i6f8e1d7c99f048ef8f1577acde4dd1f9"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Assets leased out under an operating lease</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:130%">'Property, plant and equipment'&#160;- Leased out under an operating lease reflects the amount of the tangible assets, other than land and buildings, leased out by the Group under an operating lease.</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:130%">The criteria used to recognise the acquisition cost of assets leased out under operating leases, to calculate their depreciation and their respective estimated useful lives and to recognise the impairment losses thereon are consistent with those described in relation to property, plant and equipment for own use.</span></div><span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfAccountingPolicyForLeasesExplanatory', window );">Accounting for leases</a></td>
<td class="text">Accounting for leases<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The main aspects contained in the regulation (IFRS 16) adopted by the Group are included below:</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:130%">When the Group acts as lessee, it recognises a right-of-use asset representing its right to use the underlying leased asset with a corresponding lease liability on the date on which the leased asset is available for use by the Group.</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:130%">Each lease payment is allocated between liability and finance charge. The finance charge is allocated to the income statement during the term of the lease in such a way as to produce a constant periodic interest rate on the remaining balance of the liability for each year.</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:130%">The right-of-use asset is depreciated over the useful life of the asset or the lease term, whichever is shorter, on a straight-line basis. If the Group is reasonably certain to exercise a purchase option, the right-of-use asset is amortized over the useful life of the underlying asset. </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:130%">Assets and liabilities arising from a lease are initially measured at present value. Lease liabilities include the net present value of the following lease payments:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Fixed payments (including inflation-linked payments), less any lease incentive receivable.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Variable lease payments that depend on an index or rate.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">The amounts expected to be paid by the lessee under residual value guarantees.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">The exercise price of a purchase option if the lessee is reasonably certain that it will exercise that option.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Lease termination penalty payments, if the term of the lease reflects the lessee's exercise of that option.</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:130%">Lease payments are discounted using the interest rate implicit in the lease. When this interest rate cannot be obtained, the interest rate used in these cases, is the lessee's incremental borrowing rate at the related date. For this purpose, the entity has calculated this incremental borrowing rate taking as reference the listed debt instruments issued by the Group; in this regard, the Group has estimated different interest rate curves depending on the currency and economic environment in which the contracts are located. </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:130%">In order to construct the incremental borrowing rate, a methodology has been developed at the corporate level. This </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:130%">methodology is based on the need for each entity to consider its economic and financial situation, for which the following factors must be considered:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Economic and political situation (country risk).</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Credit risk of the company.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Monetary policy.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Volume and seniority of the company&#8217;s debt instrument issues.</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:130%">The incremental borrowing rate is defined as the interest rate that a lessee would have to pay for borrowing, given a similar period to the duration of the lease and with similar security, the funds necessary to obtain an asset of similar value to the right-of-use asset in a similar economic environment. The Group entities have a wide stock and variety of financing instruments issued in different currencies to that of the euro (pound, dollar, etc.) that provide sufficient information to be able to determine an 'all in rate' (reference rate plus adjustment for credit spread at different terms and in different currencies).  In circumstances, where the leasing company has its own financing, this has been used as the starting point for determining the incremental borrowing rate. On the other hand, for those Grupo Santander entities that do not have their own financing, the information from the financing of the consolidated subgroup to which they belong was used as the starting point for estimating the entity's curve, analysing other factors to assess whether it is necessary to make any type of negative or positive adjustment to the initially estimated credit spread.</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:130%">Right-of-use assets are valued at cost which includes the following:</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">The amount of the initial measurement of the lease liability.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Any lease payment made at or before the commencement date less any lease incentive received.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Any initial direct costs.</span></div><div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">&#8211;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt">Restoration costs.</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:130%">The Group recognises the payments associated with short-term leases and leases of low-value assets on a straight-line basis as an expense in the income statement. Short-term leases are leases with a lease term less than or equal to 12 months (a lease that contains a purchase option is not a short term lease).</span></div><span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory', window );">Intangible assets</a></td>
<td class="text">Intangible assets<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Intangible assets are identifiable non-monetary assets (separable from other assets) without physical substance which arise as a result of a legal transaction or which are developed internally by the consolidated entities.</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:130%">Only assets whose cost can be measured reliably and it is likely that the consolidated entities obtain future economic benefits are recognised.</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:130%">Intangible assets are recognised initially at acquisition or production cost and are subsequently measured at cost less any accumulated amortisation and any accumulated impairment losses.</span></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:3pt;margin-top:9pt"><span id="ia2fb0f774fdb4b1eb81bb870a8df5761"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Goodwill</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:130%">Any excess of the cost of the investments in the consolidated entities and entities accounted for using the equity method over the corresponding underlying carrying amounts acquired, adjusted at the date of first-time consolidation, is allocated as follows:</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt">If it is attributable to specific assets and liabilities of the companies acquired, by increasing the value of the assets (or reducing the value of the liabilities) whose fair values were higher (lower) than the carrying amounts at which they had been recognised in the acquired entities&#8217; balance sheets.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt">If it is attributable to specific intangible assets, by recognising it explicitly in the consolidated balance sheet provided that the fair value of these assets within twelve months following the date of acquisition can be measured reliably.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.48pt">The remaining amount is recognised as goodwill, which is allocated to one or more cash-generating units (CGU) (a cash-generating unit is the smallest identifiable group of assets that, as a result of continuing operation, generates cash inflows that are largely independent of the cash inflows from other assets or groups of assets). The cash-generating units represent the Group&#8217;s geographical and/or business segments.</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:130%">Goodwill (only recognised when it has been acquired by consideration) represents, therefore, a payment made by the acquirer in anticipation of future economic benefits from assets of the acquired entity that are not capable of being individually identified and separately recognised.</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:130%">At the end of each annual reporting period or whenever there is any indication of impairment goodwill is reviewed for impairment (i.e. a reduction in its recoverable amount to below its carrying amount) and, if there is any impairment, the goodwill is written down with a charge to 'Impairment or reversal of impairment on non-financial assets, net - Intangible assets' in the consolidated income statement.</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:130%">An impairment loss recognised for goodwill is not reversed in a subsequent period.</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:130%">In the event of sale or departure of an activity that is part of a CGU, the part of the goodwill that can be assigned to said activity would be written-off, taking as a reference the relative value of the same over the total of the CGU at the time of sale or abandonment. If applicable, the distribution by currency of the remaining goodwill will be performed based on the relative values of the remaining activities.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i225868c7bd5d45569442ef24309f1781"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Other intangible assets</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:130%">Other intangible assets includes the amount of identifiable intangible assets, such as purchased customer lists and computer software.</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:130%">Other intangible assets can have an indefinite useful life&#160;-when, based on an analysis of all the relevant factors, it is concluded that there is no foreseeable limit to the period over which the asset is expected to generate net cash inflows for the consolidated entities- or a finite useful life, in all other cases.</span></div></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:130%">Intangible assets with indefinite useful lives are not amortised, but rather at the end of each reporting period or whenever there is any indication of impairment the consolidated entities review the remaining useful lives of the assets in order to determine whether they continue to be indefinite and, if this is not the case, to take the appropriate steps.</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:130%">Intangible assets with finite useful lives are amortised over those useful lives using methods similar to those used to depreciate tangible assets.</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:130%">The intangible asset amortisation charge is recognised under 'Depreciation and amortisation' in the consolidated income statement.</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:130%">In both cases the consolidated entities recognise any impairment loss on the carrying amount of these assets with a charge to 'Impairment or reversal of impairment on non-financial assets, net - Intangible assets in the consolidated' income statement. </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:130%">The criteria used to recognise the impairment losses on these assets and, where applicable, the reversal of impairment losses recognised in prior years are similar to those used for tangible assets (see note 2.k).</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i89adc46db5f0489f88538dd2538c9ec3"></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%">Internally developed computer software</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:130%">Internally developed computer software is recognised as an intangible asset if, among other requisites (basically the Group&#8217;s ability to use or sell it), it can be identified and its ability to generate future economic benefits can be demonstrated.</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:130%">Expenditure on research activities is recognised as an expense in the year in which it is incurred and cannot be subsequently capitalised into the carrying amount of the intangible asset.</span></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherAssetsPolicyPolicyTextBlock', window );">Other assets</a></td>
<td class="text">Other assets<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Other assets' in the consolidated balance sheet includes the amount of assets not recorded in other items, the breakdown being as follows:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Inventories: this item includes the amount of assets, other than financial instruments, that are held for sale in the ordinary course of business, that are in the process of production, construction or development for such purpose, or that are to be consumed in the production process or in the provision of services. Inventories include land and other property held for sale in the property development business.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Inventories are measured at the lower of cost and net realisable value, which is the estimated selling price of the inventories in the ordinary course of business, less the estimated costs of completion and the estimated costs required to make the sale.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Any write-downs of inventories -such as those due to damage, obsolescence or reduction of selling price- to net realisable value and other impairment losses are recognised as expenses for the year in which the impairment or loss occurs. Subsequent reversals are recognised in the consolidated income statement for the year in which they occur.</span></div><div style="margin-bottom:9pt;padding-left:9.07pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The carrying amount of inventories is derecognised and recognised as an expense in the period in which the revenue from their sale is recognised.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Other: this item includes the balance of all prepayments and accrued income (excluding accrued interest, fees and commissions), the net amount of the difference between pension plan obligations and the value of the plan assets with a balance in the entity&#8217;s favour, when this net amount is to be reported in the consolidated balance sheet, and the amount of any other assets not included in other items.</span></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherLiabilitiesPolicyPolicyTextBlock', window );">Other liabilities</a></td>
<td class="text">Other liabilities<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">'Other liabilities' includes the balance of all accrued expenses and deferred income, excluding those related to interests and fees on financial instruments, as well as the amount of any other liabilities not included in other categories.</span></div><span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory', window );">Provisions and contingent liabilities (assets)</a></td>
<td class="text">Provisions and contingent liabilities (assets)<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">When preparing the financial statements of the consolidated entities, Banco Santander makes a distinction between:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Provisions: credit balances covering present obligations at the reporting date arising from past events which could give rise to a loss for the consolidated entities, which is considered to be likely to occur and certain as to its nature but uncertain as to its amount and/or timing.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Contingent liabilities: possible obligations that arise from past events and whose existence will be confirmed only by the occurrence or non-occurrence of one or more future events not wholly within the control of the consolidated entities. They include the present obligations of the consolidated entities when it is not probable that an outflow of resources embodying economic benefits will be required to settle them. The Group does not recognise the contingent liability. The Group will disclose a contingent liability, unless the possibility of an outflow of resources embodying economic benefits is remote.   </span></div><div style="margin-bottom:9pt;padding-left:7.08pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Irrevocable contingent payments (ICPs), corresponding to payment facilities allowed under the annual contributions of certain levies, are recorded in accordance with the definitions mentioned above. In this regard, on 14 November 2025, the Group learned that the CJEU had definitively resolved the dispute concerning the CPI contributions made by a financial institution to the Single Resolution Fund, upholding the judgment of the General Court of 25 October 2023, which ruled against said financial institution regarding its request for the return of guarantees linked to irrevocable payment commitments for a Group entity whose license had been withdrawn. In light of this ruling, it was concluded that it was not necessary to modify the accounting entries that the Santander Group has made when using these facilities to make contributions corresponding to this levy or to other similar levies that also allow for such contributions.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Contingent assets: possible assets that arise from past events and whose existence is conditional on, and will be confirmed only by, the occurrence or non-occurrence of one or more uncertain future events not wholly within the control of the Group. Contingent assets are not recognised in the consolidated balance sheet or in the consolidated income statement, but rather are disclosed in the notes, provided that it is probable that these assets will give rise to an increase in resources embodying economic benefits.</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:130%">Grupo Santander&#8217;s consolidated financial statements include all the material provisions with respect to which it is considered that it is more likely than not the obligation will have to be settled. In accordance with accounting standards, contingent liabilities must not be recognised in the consolidated financial statements, but must rather be disclosed in the Notes.</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:130%">Provisions (which are quantified on the basis of the best information available on the consequences of the event giving rise to them and are reviewed and adjusted at the end of each year) are used to cater for the specific obligations for which they were originally recognised. Provisions are fully or partially reversed when such obligations cease to exist or are reduced.</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:130%">Provisions are classified according to the obligations covered as follows (see note 25):</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Provision for pensions and similar obligations: includes the amount of all the provisions made to cover post-employment benefits, including obligations to pre-retirees and similar obligations.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Provisions for contingent liabilities and commitments: include the amount of the provisions made to cover contingent liabilities&#160;-defined as those transactions in which the Group guarantees the obligations of a third party, arising as a result of financial guarantees granted or contracts of another kind- and contingent commitments&#160;-defined as irrevocable commitments that may give rise to the recognition of financial assets.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Provisions for taxes and other legal contingencies and Other provisions: include the amount of the provisions recognised to cover tax and legal contingencies and litigation and the other provisions recognised by the consolidated entities. Other provisions includes, inter alia, any provisions for restructuring costs and environmental measures.</span></div><span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfAccountingPolicyForTreasurySharesExplanatory', window );">Own equity instruments</a></td>
<td class="text">Own equity instruments<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Own equity instruments are those meeting both of the following conditions:</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">The instruments do not include any contractual obligation for the issuer (i)&#160;to deliver cash or another financial asset to a third party; or (ii)&#160;to exchange financial assets or financial liabilities with a third party under conditions that are potentially unfavourable to the issuer.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">The instruments will or may be settled in the issuer&#8217;s own equity instruments and are: (i)&#160;a non-derivative that includes no contractual obligation for the issuer to deliver a variable number of its own equity instruments; or (ii)&#160;a derivative that will be settled by the issuer through the exchange of a fixed amount of cash or another financial asset for a fixed number of its own equity instruments.</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:130%">Transactions involving own equity instruments, including their issuance and cancellation, are charged directly to equity.</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:130%">Changes in the value of instruments classified as own equity instruments are not recognised in the consolidated financial statements. Consideration received or paid in exchange for such instruments, including the coupons on preference shares contingently convertible into ordinary shares and the coupons associated with CCPP, is directly added to or deducted from equity.</span></div><span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory', window );">Equity-instrument-based employee remuneration</a></td>
<td class="text">Equity-instrument-based employee remuneration<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Own equity instruments delivered to employees in consideration for their services, if the instruments are delivered once the specific period of service has ended, are recognised as an expense for services (with the corresponding increase in equity) as the services are rendered by employees during the service period. At the grant date the services received (and the related increase in equity) are measured&#160;at the fair value of the equity instruments granted. If the equity instruments granted are vested immediately, Grupo Santander recognises in full, at the grant date, the expense for the services received.</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">When the requirements stipulated in the remuneration agreement include external market conditions (such as equity instruments reaching a certain quoted price), the amount ultimately to be recognised in equity will depend on the other conditions being met by the employees (normally length of service requirements), irrespective of whether the market conditions are satisfied.</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:130%">If the conditions of the agreement are met but the external market conditions are not satisfied, the amounts previously recognised in equity are not reversed, even if the employees do not exercise their right to receive the equity instruments.</span></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DescriptionOfAccountingPolicyForIncomeAndExpensePolicyPolicyTextBlock', window );">Recognition of income and expenses</a></td>
<td class="text">Recognition of income and expenses<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The most significant criteria used by Grupo Santander to recognise its income and expenses are summarised as follows:</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ibf4716bbecf44f7f8a4ff4b91fb3b4b2"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i. Interest income, interest expenses and similar items</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:130%">Interest income, interest expenses and similar items are generally recognised on an accrual basis using the effective interest method. Dividends received from other companies are recognised as income when the consolidated entities&#8217; right to receive them arises.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i97e5ba2789b24eaca2c11b4a64ef4dcd"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii. Commissions, fees and similar items</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:130%">Fee and commission income and expenses are recognised in the consolidated income statement using criteria that vary according to their nature. The main criteria are as follows:</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Fee and commission income and expenses relating to financial assets and financial liabilities measured at fair value through profit or loss are recognised when paid.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Those arising from transactions or services that are performed over a period of time are recognised over the life of these transactions or services.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Those relating to services provided in a single act are recognised when the single act is carried out.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i1ad1ca147be64d4daa8dcf680d939082"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iii. Non-finance income and expenses</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:130%">They are recognised for accounting purposes when the good is delivered or the non-financial service is rendered. To determine the amount and timing of recognition, a five-step model is followed: identification of the contract with the customer, identification of the separate obligations of the contract, determination of the transaction price, distribution of the transaction price among the identified obligations and finally recording of income as the obligations are satisfied.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i416e1293a8bc4a7c93665c1788d244fd"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">iv. Deferred collections and payments</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:130%">These are recognised for accounting purposes at the amount resulting from discounting the expected cash flows at market rates.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="ie57539c46d224527a8527ef6146ed7f9"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">v. Loan arrangement fees</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:130%">Loan arrangement fees, mainly loan origination, application and information fees, are accrued and recognised in income over the term of the loan.</span></div><span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory', window );">Financial guarantees</a></td>
<td class="text">Financial guarantees<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Financial guarantees are considered contracts that require the issuer to make specific payments to reimburse the creditor for the loss it incurs when a specific debtor defaults on its due date payment obligation in accordance with the original or modified conditions of debt instrument, regardless of its legal form, which may be, among others, a deposit, financial guarantee, insurance contract or credit derivative.</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:130%">Grupo Santander initially recognises the financial guarantees provided on the liability side of the consolidated balance sheet at fair value, which is generally the present value of the fees, commissions and interest receivable from these contracts over the term thereof, and simultaneously the Group recognises the amount of the fees, commissions and similar interest received at the inception of the transactions and a credit on the asset side of the consolidated balance sheet for the present value of the fees, commissions and interest outstanding.</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:130%">Financial guarantees, regardless of the guarantor, instrumentation or other circumstances, are reviewed periodically so as to determine the credit risk to which they are exposed and, if appropriate, to consider whether a provision is required. The credit risk is determined by application of criteria similar to those established for quantifying impairment losses on debt instruments carried at amortised cost (described in note 2.g above).</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:130%">The provisions made for these transactions are recognised under 'Provisions - Provisions for commitments and guarantees given in the consolidated balance sheet' (see note 25). These provisions are recognised and reversed with a charge or credit, respectively, to 'Provisions or reversal of provisions', net, in the consolidated income statement.</span></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsUnderManagementPolicyPolicyTextBlock', window );">Assets under management and investment and pension funds managed by the Group</a></td>
<td class="text">Assets under management and investment and pension funds managed by the Group<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Assets owned by third parties and managed by the consolidated entities are not presented on the face of the consolidated balance sheet. The investment funds and pension funds managed by the consolidated companies are also not presented in the Group's consolidated balance sheet, as they are owned by third parties.</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:130%">The commissions generated by these activities are included in the balance of the 'Commission income' chapter of the consolidated profit and loss account.</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:130%">Note&#160;2.b.iv describes the internal criteria and procedures used to determine whether control exists over the structured entities, which include, inter alia, investment funds and pension funds.</span></div><span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory', window );">Post-employment benefits, other long-term employee benefits and termination benefits</a></td>
<td class="text">Post-employment benefits<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Under the collective agreements currently in force and other arrangements, the Spanish banks included in the Group and certain other Spanish and foreign consolidated entities have undertaken to supplement the public social security system benefits accruing to certain employees, and to their beneficiary right holders, for retirement, permanent disability or death, and the post-employment welfare benefits.</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:130%">Grupo Santander's post-employment obligations to its employees are deemed to be defined contribution plans when the Group makes pre-determined contributions (recognised under Personnel expenses in the consolidated income statement) to a separate entity and will have no legal or effective obligation to make further contributions if the separate entity cannot pay the employee benefits relating to the service rendered in the current and prior periods. Post-employment obligations that do not meet the aforementioned conditions are classified as defined benefit plans (see note 25).</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i4cb3919e9038469faf53a414b73798d8"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Defined contribution plans</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:130%">The contributions made in this connection in each year are recognised under 'Personnel expenses' in the consolidated income statement. </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:130%">The amounts not yet contributed at each year-end are recognised, at their present value, under 'Provisions - Provision for pensions' and similar obligations on the liability side of the consolidated balance sheet.</span></div><div style="margin-bottom:3pt;margin-top:9pt"><span id="i6e144e0ac7a348d5988dd17df2992bbb"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">Defined benefit plans</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:130%">Grupo Santander recognises under 'Provisions&#160;- Provision for pensions and similar obligations on the liability side of the consolidated balance sheet' (or under 'Other assets' on the asset side, as appropriate) the present value of its defined benefit post-employment obligations, net of the fair value of the plan assets.</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:130%">Plan assets are defined as those that will be directly used to settle obligations and that meet the following conditions:</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">They are not owned by the consolidated entities, but by a legally separate third party that is not a party related to the Group.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">They are only available to pay or fund post-employment benefits and they cannot be returned to the consolidated entities unless the assets remaining in the plan are sufficient to meet all the benefit obligations of the plan and of the entity to current and former employees, or they are returned to reimburse employee benefits already paid by Grupo Santander.</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:130%">If Grupo Santander can look to an insurer to pay part or all of the expenditure required to settle a defined benefit obligation, and it is practically certain that said insurer will reimburse some or all of the expenditure required to settle that obligation, but the insurance policy does not qualify as a plan asset, the Group recognises its right to reimbursement -which, in all other respects, is treated as a plan asset- under 'Insurance contracts linked to pensions' on the asset side of the consolidated balance sheet.</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:130%">Grupo Santander will recognise the following items in the income statement:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Current service cost, (the increase in the present value of the obligations resulting from employee service in the current period), is recognised under 'Staff costs'.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">The past service cost, which arises from changes to existing post-employment benefits or from the introduction of new benefits and includes the cost of reductions, is recognised under 'Provisions or reversal of provisions'.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Any gain or loss arising from a liquidation of the plan is included in the 'Provisions or reversion of provisions'.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Net interest on the net defined benefit liability (asset), i.e. the change during the period in the net defined benefit liability (asset) that arises from the passage of time, is recognised under 'Interest expense' and similar charges ('Interest and similar income' if it constitutes income) in the consolidated income statement.</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:130%">The remeasurement of the net defined benefit liability (asset) is recognised in 'Other comprehensive income' under Items not reclassified to profit or loss and includes:</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Actuarial gains and losses generated in the&#160;year, arising from the differences between the previous actuarial assumptions and what has actually occurred and from the effects of changes in actuarial assumptions.</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">The return on plan assets, excluding amounts included in net interest on the net defined benefit liability (asset).</span></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#9642;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt">Any change in the effect of the asset ceiling, excluding amounts included in net interest on the net defined benefit liability (asset).</span></div>Other long-term employee benefits<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Other long-term employee benefits, defined as obligations to pre-retirees&#160;-taken to be those who have ceased to render services at the entity but who, without being legally retired, continue to have economic rights vis-&#224;-vis the entity until they acquire the legal status of retiree-, long-service bonuses, obligations for death of spouse or disability before retirement that depend on the employee&#8217;s length of service at the entity and other similar items, are treated for accounting purposes, where applicable, as established above for defined benefit post-employment plans, except that actuarial gains and losses are recognised under 'Provisions or reversal of provisions', net, in the consolidated income statement (see note&#160;25).</span></div>Termination benefits<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Termination benefits are recognised when there is a detailed formal plan identifying the basic changes to be made, provided that implementation of the plan has begun, its main features have been publicly announced or objective facts concerning its implementation have been disclosed.</span></div><span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfAccountingPolicyForIncomeTaxExplanatory', window );">Income tax</a></td>
<td class="text">Income tax<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The expense for Spanish income tax and other similar taxes applicable to the foreign consolidated entities is recognised in the consolidated income statement, except when they arise from a transaction whose results are recognised directly in equity, in which case the related tax effect is recognised in equity.</span></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The current income tax expense is calculated as the sum of the current tax resulting from application of the appropriate tax rate to the taxable profit for the year (net of any deductions allowable for tax purposes), and of the changes in deferred tax assets and liabilities recognised in the consolidated income statement.</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:130%">'Deferred tax assets' and liabilities include temporary differences, which are identified as the amounts expected to be payable or recoverable on differences between the carrying amounts of assets and liabilities and their related tax bases, and tax loss and tax credit carryforwards. These amounts are measured at the tax rates that are expected to apply in the period when the asset is realised or the liability is settled.</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:130%">'Tax assets' include the amount of all tax assets, which are broken down into current&#160;-amounts of tax to be recovered within the next twelve&#160;months- and deferred&#160;-amounts of tax to be recovered in future&#160;years, including those arising from tax loss or tax credit carryforwards.</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:130%">Tax liabilities' includes the amount of all tax liabilities (except provisions for taxes), which are broken down into current&#160;-the amount payable in respect of the income tax on the taxable profit for the&#160;year and other taxes in the next twelve&#160;months- and deferred&#160;-the amount of income tax payable in future&#160;years.</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:130%">Deferred tax liabilities are recognised in respect of taxable temporary differences associated with investments in subsidiaries, associates or joint ventures, except when the Group is able to control the timing of the reversal of the temporary difference and, in addition, it is probable that the temporary difference will not reverse in the foreseeable future. In this regard, no deferred tax liabilities of EUR 321.9 million were recognised in relation to the taxation that would arise from the undistributed earnings of certain Group holding companies, in accordance with the legislation applicable in those jurisdictions.</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:130%">Deferred tax assets are only recognised for temporary differences to the extent that it is considered probable that the consolidated entities will have sufficient future taxable profits against which the deferred tax assets can be utilised, and the deferred tax assets do not arise from, in its initial recognition of (i)a business combination, (ii) an operation that does not affect either the tax result or the accounting result or (iii) on the date of the transaction, does not generate deductible and taxable temporary differences for the same amount (in which case assets and deferred tax liabilities). Other deferred tax assets (tax loss and tax credit carryforwards) are only recognised if it is considered probable that the consolidated entities will have sufficient future taxable profits against which they can be utilised.</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:130%">Differences generated by the different accounting and tax treatment of any of the income and expenses recorded directly in equity to be paid or recovered in the future are accounted for as temporary differences.</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:130%">The deferred tax assets and liabilities are reassessed at the reporting date in order to ascertain whether any adjustments need to be made on the basis of the findings of the analyses performed.</span></div></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:130%">Regarding taxes on profits arising from the application of tax laws for the implementation of the Pillar Two model rules, including those related to national minimum complementary taxes, the Group applies the mandatory and temporary exception to the recognition of deferred tax assets and liabilities derived from said tax laws (see note 27.f).</span></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DescriptionOfAccountingPolicyForResidualMaturityPeriodsPolicyTextBlock', window );">Residual maturity periods</a></td>
<td class="text">Residual maturity periods<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In note 51 it is provided an analysis of the maturities of the balances of certain items in the consolidated balance sheet.</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:130%">Santander Group has recorded as 'time liabilities' those recognised financial liabilities in which the counterparty may require payments.</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:130%">Likewise, when Grupo Santander has committed to having amounts available at different maturity periods, these amounts have been recorded in the first year in which they may be required.</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:130%">Additionally, for the financial guarantee contracts issued, the Group has recorded the maximum amount of the financial guarantee issued in the first year in which the guarantee can be executed.</span></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DescriptionOfAccountingPolicyForRecognisedIncomeAndExpensePolicyPolicyTextBlock', window );">Consolidated statement of recognised income and expense</a></td>
<td class="text">Consolidated statement of recognised income and expense<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This statement presents the income and expenses generated by the Group as a result of its business activity in the year, and a distinction is made between the income and expenses recognised in the consolidated income statement for the year and the other income and expenses recognised directly in consolidated equity.</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:130%">Accordingly, this statement presents:</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.&#160;&#160;&#160;&#160;Consolidated profit for the year.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.&#160;&#160;&#160;&#160;The net amount of the income and expenses recognised in 'Other comprehensive income' under items that will not be reclassified to profit or loss.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c.&#160;&#160;&#160;&#160;The net amount of the income and expenses recognised in Other comprehensive income under items that may be reclassified subsequently to profit or loss.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">d.&#160;&#160;&#160;&#160;The income tax incurred in respect of the items indicated in b and c above, except for the valuation adjustments arising from investments in associates or joint ventures accounted for using the equity method, which are presented net.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">e.&#160;&#160;&#160;&#160;Total consolidated recognised income and expense, calculated as the sum of a) to d) above, presenting separately the amount attributable to the parent company and the amount relating to non-controlling interests.</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:130%">The statement presents the items separately by nature, grouping together items that, in accordance with the applicable accounting standards, will not be reclassified subsequently to profit and loss since the requirements established by the corresponding accounting standards are met.</span></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DescriptionOfAccountingPolicyForChangesInEquityPolicyPolicyTextBlock', window );">Statement of changes in total equity</a></td>
<td class="text">Statement of changes in total equity<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">This statement presents all the changes in equity, including those arising from changes in accounting policies and from the correction of errors. Accordingly, this statement presents a reconciliation of the carrying amount at the beginning and end of the&#160;year of all the consolidated equity items, and the changes are grouped together on the basis of their nature into the following items:</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">a.&#160;&#160;&#160;&#160;Adjustments due to changes in accounting policies and to errors: include the changes in consolidated equity arising as a result of the retrospective restatement of the balances in the consolidated financial statements, distinguishing between those resulting from changes in accounting policies and those relating to the correction of errors.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">b.&#160;&#160;&#160;&#160;Income and expense recognised in the year: includes, in aggregate form, the total of the aforementioned items recognised in the consolidated statement of recognised 'Income and expense'.</span></div><div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">c.&#160;&#160;&#160;&#160;Other changes in equity: includes the remaining items recognised in equity, including, inter alia, increases and decreases in capital, distribution of profit, transactions involving own equity instruments, equity-instrument-based payments, transfers between equity items and any other increases or decreases in consolidated equity.</span></div><span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfAccountingPolicyForCashFlowsExplanatory', window );">Consolidated statement of cash flows</a></td>
<td class="text">Consolidated statement of cash flows<div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following terms are used in the consolidated statements of cash flows with the meanings specified:</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Cash flows: inflows and outflows of cash and cash equivalents, which are short-term, highly liquid investments that are subject to an insignificant risk of changes in value, irrespective of the portfolio in which they are classified.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander classifies as cash and cash equivalents the balances recognised under 'Cash, cash balances at central banks' and 'Other deposits on demand' in the consolidated balance sheet.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Operating activities: the principal revenue-producing activities of credit institutions and other activities that are not investing or financing activities.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Investing activities: the acquisition or disposal of long-term assets and other investments not included in cash and cash equivalents.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt">Financing activities: activities that result in changes in the size and composition of the equity and liabilities that are not operating activities.</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:130%">During 2025 Grupo Santander received interest amounting to EUR 109,840 million (EUR 117,046 and EUR 101,029 in 2024 and 2023, respectively) and paid interest amounting to EUR 57,737 million (EUR 61,091 and EUR 50,954 in 2024 and 2023, respectively).</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:130%">Also, dividends received and paid by the Group are detailed in notes 4, 28 and 40, including dividends paid to minority interests (non-controlling interests)</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 117<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_117&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's material accounting policy information for contingent liabilities and contingent assets. [Refer: Classes of contingent liabilities [domain]; Description of nature of contingent assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 117<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_117&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's material accounting policy information for the derecognition of financial instruments. [Refer: Classes of financial instruments [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 117<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_117&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's material accounting policy information for employee benefits. Employee benefits are all forms of consideration given by an entity in exchange for services rendered by employees or for the termination of employment.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 117<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_117&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's material accounting policy information for fair value measurement. [Refer: At fair value [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 117<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_117&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's material accounting policy information for financial guarantees. [Refer: Guarantees [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 117<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_117&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's material accounting policy information for financial instruments. [Refer: Classes of financial instruments [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 117<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_117&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's material accounting policy information for foreign currency translation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 117<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_117&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's material accounting policy information for the impairment of financial assets. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 117<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_117&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DescriptionOfAccountingPolicyForIncomeTaxExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's material accounting policy information for income tax.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 117<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_117&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DescriptionOfAccountingPolicyForIncomeTaxExplanatory</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:textBlockItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's material accounting policy information for intangible assets and goodwill. [Refer: Intangible assets and goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 117<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_117&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DescriptionOfAccountingPolicyForLeasesExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's material accounting policy information for leases. A lease is an agreement whereby the lessor conveys to the lessee in return for a payment or series of payments the right to use an asset for an agreed period of time.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 117<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_117&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DescriptionOfAccountingPolicyForLeasesExplanatory</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's material accounting policy information for non-current assets or disposal groups classified as held for sale. [Refer: Non-current assets or disposal groups classified as held for sale]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 117<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_117&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's material accounting policy information for the offsetting of financial instruments. [Refer: Classes of financial instruments [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 117<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_117&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's material accounting policy information for property, plant and equipment. [Refer: Property, plant and equipment]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 117<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_117&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's material accounting policy information for reinsurance.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 117<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_117&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DescriptionOfAccountingPolicyForReinsuranceExplanatory</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's material accounting policy information for transactions in which the entity: (a) receives goods or services from the supplier of those goods or services (including an employee) in a share-based payment arrangement; or (b) incurs an obligation to settle the transaction with the supplier in a share-based payment arrangement when another group entity receives those goods or services. [Refer: Types of share-based payment arrangements [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 117<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_117&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<td style="white-space:nowrap;">ifrs-full_DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's material accounting policy information for treasury shares. [Refer: Treasury shares]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 117<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_117&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DescriptionOfAccountingPolicyForTreasurySharesExplanatory</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of judgements that management has made in the process of applying the entity's accounting policies that have the most significant effect on amounts recognised in the financial statements along with information about the assumptions that the entity makes about the future, and other major sources of estimation uncertainty at the end of the reporting period, that have a significant risk of resulting in a material adjustment to the carrying amounts of assets and liabilities within the next year. [Refer: Carrying amount [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfAccountingJudgementsAndEstimatesExplanatory</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's accounting policy for assets under management and investment and pension funds.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy regarding basis of consolidation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_BasisOfConsolidationPolicyPolicyTextBlock</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Description Of Accounting Policy For Basis Of Presentation</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's accounting policy for changes in equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DescriptionOfAccountingPolicyForChangesInEquityPolicyPolicyTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's accounting policy for income and expenses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DescriptionOfAccountingPolicyForIncomeAndExpensePolicyPolicyTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's accounting policy for recognized income and expense.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DescriptionOfAccountingPolicyForRecognisedIncomeAndExpensePolicyPolicyTextBlock</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The description of the entity's accounting policy for residual maturity periods and average interest rates.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of Accounting Policies Abstract [Abstract]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy regarding assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherAssetsPolicyPolicyTextBlock</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy regarding liabilities classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accounting policies (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfSensitivityAnalysisOfConsolidatedEquityAndProfitOf1AppreciationDepreciationOfEuroTableTextBlock', window );">Schedule of estimated effect of a 1% change in the euro against the corresponding currency</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The estimated effect on the consolidated equity attributable to Grupo Santander and on consolidated profit and loss account of a 1% appreciation of the euro against the corresponding currency 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:20.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.250%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Effect&#160;on&#160;<br/>consolidated&#160;equity</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Effect&#160;on&#160;<br/>consolidated&#160;profit</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Currency</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">US dollar</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(135.0)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(168.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(136.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.5)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chilean peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8.8)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(35.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.3)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pound sterling</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(88.1)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(96.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(79.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.6)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexican peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32.5)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(33.9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(36.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.5)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazilian real</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(141.2)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(144.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(175.7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.8)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Polish zloty</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12.8)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(25.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(48.8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentine peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21.3)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(18.3)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.5)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3.7)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6.6)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4.2)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">Similarly, the estimated effect on the Group&#8217;s consolidated equity and on consolidated profit and loss account of a 1% depreciation of the euro against the corresponding currency 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:20.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.250%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Effect&#160;on&#160;<br/>consolidated&#160;equity</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Effect&#160;on&#160;<br/>consolidated&#160;profit</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Currency</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">US dollar</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137.8&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">171.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">139.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chilean peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.4&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pound sterling</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">89.9&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">98.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.7&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexican peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33.1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazilian real</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">144.0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">147.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">179.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.9&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Polish </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">zloty</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentine peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21.7&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.7&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.7&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.8&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.7&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.2&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExplanatory', window );">Summary of criteria used to determine if a financial instrument has increased credit risk</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In order to determine whether a financial instrument has increased its credit risk since initial recognition and is to be classified in stage 2, the Group considers the following criteria:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:18.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:79.147%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Quantitative criteria</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the risk of a default occurring through the expected life of the financial instrument are analysed and quantified with respect to its credit level in its initial recognition.<br/></span><span style="font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><br/></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">With the purpose of determining if such changes are considered as significant, with the consequent classification into stage 2, each Group unit has defined the quantitative thresholds to consider in each of its portfolios taking into account corporate guidelines ensuring a consistent interpretation in all units.<br/></span><span style="font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"><br/></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Within the quantitative thresholds, two types are considered: A relative threshold is those that compare current credit quality with credit quality at the time of origination in percentage terms of change. In addition, an absolute threshold compares both references in total terms, calculating the difference between the two. These absolute/relative concepts are used homogeneously (with different values) in all geographies. The use of one type of threshold or another (or both) is determined in accordance with the process described in note 54, below, and is marked by the type of portfolio and characteristics such as the starting point of the average credit quality of the portfolio.</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Qualitative criteria</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:110%">In addition to the quantitative criteria indicated, various indicators are used that are aligned with those used by the Group in the normal management of credit risk. Irregular positions of more than 30 days and renewals are common criteria in all Group units. In addition, each unit can define other qualitative indicators, for each of its portfolios, according to the particularities and normal management practices in line with the policies currently in force (i.e. use of management alerts, etc.).<br/>The use of these qualitative criteria is complemented with the use of an expert judgement, under the corresponding governance.</span></div></td></tr></table></div><span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDepreciationAndAmortisationExpenseExplanatory', window );">Schedule of depreciation rates of tangible assets</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The annual tangible asset depreciation charge is recognised in the consolidated income statement and are essentially equivalent to the following amortization percentages (determined based on the years of estimated useful life, on average, of the different elements):</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:64.332%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:33.468%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Average<br/>annual&#160;rate</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Buildings for own use</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.4</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Furniture</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.5</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Fixtures</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.5</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Office and IT equipment</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23.6</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Lease use rights</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Less than the lease<br/>term or the useful life<br/>of the underlying asset</span></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of credit risk. [Refer: Credit risk [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Section Credit risk<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;doctype=Standard&amp;dita_xref=IFRS07_g35A-38_TI<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of Accounting Policies Abstract [Abstract]</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of a sensitivity analysis showing the estimated effect of changes in the foreign currency on consolidated equity and consolidated profit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Grupo Santander (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsAbstract', window );"><strong>Disclosure of detailed information about business combination [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfDetailedInformationOnOffshoreTerritoriesTableTextBlock', window );">Schedule of list of offshore territories</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Santander presence in offshore territories at the end of 2025 is as follows:</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Group presence in non-cooperative jurisdictions</span></div><div><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.858%"><tr><td style="width:1.0%"></td><td style="width:49.055%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.823%"></td><td style="width:0.1%"></td></tr><tr style="height:30pt"><td colspan="3" rowspan="2" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Regulatory framework</span></div></td><td colspan="6" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Group presence in non-cooperative jurisdictions</span></div></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Subsidiaries</span></div></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Branches</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Spanish legislation</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Council of the EU blacklist</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">OECD</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3</span></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">a</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:7.84pt">Additionally, there is one subsidiary constituted in Guernsey (in the process of winding up), but resident for tax purposes in the UK.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">b</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:7.59pt">The Group has three branches in Jersey, the Isle of Man and the Cayman Islands. These jurisdictions are not included in the European Union&#8217;s October 2025 blacklist and fully comply with both OECD international standards on transparency and exchange of information for tax purposes (AEOI and EOIR). </span></div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">c</span>Jurisdictions non-compliant with both OECD standards (AEOI and EOIR).<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of Detailed Information On Offshore Territories</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Distribution of Banco Santander's profit, shareholder remuneration scheme and earnings per share (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareholderRemunerationSystemAndEarningsPerShareAbstract', window );"><strong>Shareholder Remuneration System And Earnings Per Share [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfDistributionOfNetProfitTableTextBlock', window );">Schedule of distribution of the Bank's net profit</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The distribution of the Bank's current annual results that the board of directors will propose for approval by the shareholders at the annual general meeting is as follows: </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"><tr><td style="width:1.0pt"></td><td style="width:203.50pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:35.50pt"></td><td style="width:1.0pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">To dividends</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,520&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Dividend paid at 31 December</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,699&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Complementary dividend</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,821&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">To voluntary reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,593&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net profit for the&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,113</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span></div><div style="padding-left:7.09pt;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:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Total amount paid as interim dividend, at the rate of EUR 11.5 fixed cents per eligible share (recorded in 'Shareholders' equity - Interim dividends').</span></div><div style="padding-left:7.09pt;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:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Fixed complementary dividend of EUR 12.5 gross cents per eligible share, payable in cash as from 5 May 2026. The total amount has been estimated on the assumption that, as a result of the partial implementation of the buyback program announced on February 3, 2026, the number of the Bank's outstanding shares eligible for the dividend will be 14,568,470,446 and that, as envisaged, the capital increase submitted to the 2026 general meeting under item 6.C of the agenda will not be executed before 5 May 2026. Therefore, the total amount of the complementary dividend may be lower if more shares than initially envisaged are acquired under the buy-back programme, or higher if fewer shares are acquired under the buy-back programme or if the capital increase submitted to this general meeting under item 6.C of the agenda is executed before 5 May 2026.</span></div><div style="padding-left:7.09pt;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:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Estimated amount corresponding to a complementary dividend of EUR 1,821,058,805.75. To be increased or reduced by the same amount by which the total amount of the final dividend is lower or higher, respectively, than its estimated amount.</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfProvisionalAccountingStatementForInterimDividendTableTextBlock', window );">Schedule of provisional accounting statement for interim dividend</a></td>
<td class="text"><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:72.665%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:25.135%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 August 2025</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit before taxes</span></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,193&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tax expense</span></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">635&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Dividends paid in cash</span></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Distributable maximum amount</span></td><td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,558</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Available liquidity</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96,923&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EarningsPerShareExplanatory', window );">Schedule of basic and diluted earnings per share</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Accordingly:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"><tr><td style="width:1.0pt"></td><td style="width:76.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:52.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:52.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:52.75pt"></td><td style="width:1.0pt"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2023</span></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Profit (Loss) attributable to the Parent (EUR million)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14,101&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">12,574</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">11,076&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Remuneration of PPCC and PPCA (EUR million) (note 23)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(622)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(620)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(492)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">13,479</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">11,954</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">10,584</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr style="height:41pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Profit (Loss) from discontinued operations (non controlling interest net) (EUR million)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">962&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">822&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">717&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:56pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Profit (Loss) from continuing operations (non-controlling interest and PPCC and PPCA net) <br/>(EUR million)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">12,517&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">11,132&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">9,867&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Weighted average number of shares outstanding</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14,890,304,840&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">15,497,607,269&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">16,172,084,714&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Basic earnings (Loss) per share (euros)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.905</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.771</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.654</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which, from discounted operations (euros)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.065</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.053</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.044</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:33pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Basic earnings (Loss) per share from continuing operations (euros)</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.840</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.718</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.610</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">Accordingly, diluted earnings/loss per share were determined 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:243.00pt"><tr><td style="width:1.0pt"></td><td style="width:76.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:52.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:52.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:52.75pt"></td><td style="width:1.0pt"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 8.09pt 0 1pt;text-indent:-7.09pt"><div style="margin-bottom:6pt;padding-right:7.09pt;text-align:justify;text-indent:-7.09pt"></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2023</span></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Profit (Loss) attributable to the Parent (EUR million)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14,101&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">12,574&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">11,076&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Remuneration of PPCC and PPCA (EUR million) (Note 23)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(622)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(620)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(492)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:41pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Dilutive effect of changes in profit for the period arising from potential conversion of ordinary shares</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">13,479</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">11,954</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">10,584</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr style="height:48pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Profit (Loss) from discontinued operations (net of non-controlling interests) (EUR million)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">962&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">822&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">717&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:56pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Profit (Loss) from continuing operations (net of non-controlling interests and PPCC and PPCA) (EUR million)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">12,517&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">11,132&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">9,867&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Weighted average number of shares outstanding</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14,890,304,840&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">15,497,607,269&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">16,172,084,714&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Dilutive effect of options/rights on shares</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">85,269,647&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">70,110,570&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">75,180,407&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Adjusted number of shares</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14,975,574,487&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">15,567,717,839&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">16,247,265,121&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Diluted earnings (Loss) per share (euros)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.900</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.768</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.651</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which, from discounted operations (euros)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.064</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.053</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.044</span><span 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">0.607</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAnnualEmolumentTableTextBlock', window );">Schedule summarising annual emolument</a></td>
<td class="text"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">For 2025, the board of directors, upon recommendation of the remuneration committee, approved a 3% increase in the annual</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:130%">allotments payable to the chair and members of the board and its committees (including the executive committee), as well as to the lead independent director and the non-executive Vice Chair .  Accordingly, each director received, in respect of 2024 and 2025, the amounts corresponding to their service on the board and its committees, with such amounts determined by the specific position held, as detailed in the table below.</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:62.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.727%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.493%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Amount per director in euros</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the board of directors</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">100,940&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">98,000&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the executive committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">175,100</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">170,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the audit committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">44,290</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">43,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the appointments committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">28,840</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">28,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the remuneration committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">28,840</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">28,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the risk supervision, regulation and compliance committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">44,290</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">43,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the responsible banking, sustainability and culture committee </span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">28,840</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">28,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Members of the innovation and technology committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">28,840</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">28,000&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Chair of the audit committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">72,100</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">70,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Chair of the appointments committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">51,500</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Chair of the remuneration committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">51,500</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Chair of the risk supervision, regulation and compliance committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">72,100</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">70,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Chair of the responsible banking, sustainability and culture committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">51,500</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Chair of the innovation and technology committee</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">72,100</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">70,000&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Lead independent  director</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:105%;position:relative;top:-2.44pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">113,300</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">110,000</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non-executive Vice Chair</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">30,900</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">30,000</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Glenn Hutchins has been allocated EUR 700,000 (including annual allowances and attendance fees) in minimum total annual pay set for the required time and dedication to perform his roles.</span></div><span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAttendanceFeesExplanatoryTableTextBlock', window );">Schedule summarising attendance fees</a></td>
<td class="text">:<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:71.437%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.720%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.543%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 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:105%">Attendance fees per director per meeting in euros </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Board of directors</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,785&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,704&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Audit committee and risk supervision, regulation and compliance committee</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,821&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,768&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other committees (excluding executive committee) </span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,606&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,560&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationOfKeyPersonnelExcludingRemunerationForMultiAnnualObjectivesTableTextBlock', window );">Schedule summarising short-term remuneration (excluding remuneration subject to long-term objectives)</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by bank director, of the short-term (immediate) and deferred (not subject to long-term goals) remuneration for 2025 and 2024 is provided below:</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:13.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.423%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="padding:2px 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:105%">EUR thousand</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="6" style="padding:0 1pt"></td><td colspan="27" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">2025</span></td></tr><tr style="height:12pt"><td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Bylaw-stipulated emoluments</span></td></tr><tr style="height:12pt"><td colspan="27" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Annual emolument</span></td></tr><tr style="height:15pt"><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Board</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">F</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Executive committee</span></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Audit committee</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Nomination committee</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Remuneration committee</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">1</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Risk supervision, regulation and compliance oversight committee</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">2</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Responsible banking, sustainability and culture committee</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Innovation and technology committee</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Attendance fees and commissions</span></td></tr><tr style="height:15pt"><td colspan="30" style="display:none"></td></tr><tr style="height:30pt"><td colspan="30" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ana Bot&#237;n</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">175&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">44&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">H&#233;ctor Grisi</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">175&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">132&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">175&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">67&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Glenn Hutchins</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">412&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">80&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">78&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Homaira Akbari</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">81&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Javier Bot&#237;n</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Sol Daurella</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">80&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">75&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Henrique de Castro</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">80&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Gina D&#237;ez</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">63&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luis Isasi</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">175&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">74&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Bel&#233;n Romana</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">175&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">80&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">107&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Pamela Walkden</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">116&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">93&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Germ&#225;n de la Fuente</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">116&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">83&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Carlos Barrab&#233;s</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Antonio Weiss</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Bruce Carnegie-Brown</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ramiro Mato</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total 2025</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,857</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">875</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">292</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">196</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">196</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">292</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">196</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">304</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,047</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total 2024</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,791</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">933</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">306</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">183</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">168</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">263</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">190</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">280</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,240</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. All amounts received were reimbursed to Fundaci&#243;n Bot&#237;n.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Director and member of the nomination committee, responsible banking, sustainability and culture committee and innovation and technology committee since 27 June 2024.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C. Director since 27 June 2024.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D. Stepped down as director on 22 March 2024.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E. Stepped down as director on 27 June 2024.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F. Also includes emoluments for other roles in the board.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Changes in the chairship or membership of the committees:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">1.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt">Antonio Weiss was appointed member of the remuneration committee on 1 January 2025.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">2.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt">Jos&#233; Antonio &#193;lvarez was appointed member of the risk supervision, regulation and compliance oversight committee on 1 January 2025.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">    Other remuneration includes EUR 1,000&#160;thousand for the role as non-executive Chair of the Santander Espa&#241;a business unit and for attending its board and committee meetings for Luis Isasi. For Jos&#233; Antonio &#193;lvarez, this amount includes remuneration as strategic advisor of Grupo Santander, life and health insurance contributions (EUR 678&#160;thousand) and part of the former supplement for having waived the death and disability policy (EUR 12&#160;thousand).</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:13.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.492%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.392%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.276%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:4pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="18" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Short-term and deferred (not subject to long-term goals) salaries of executive directors</span></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:15pt"><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:20pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Fixed</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Variable - immediate payment</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Deferred variable</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;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:20pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">In cash</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">In instruments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">In cash</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">In instruments</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Total</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Pension contribution</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Other remuneration</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ana Bot&#237;n</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">3,435&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">2,003&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">2,003&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">1,001&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">1,002&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">9,444&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">1,341&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">843&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">11,977&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">12,127&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">H&#233;ctor Grisi</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">3,150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">1,384&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">1,384&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">692&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">692&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">7,302&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">1,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">718&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">9,489&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">9,137&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">2,440&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">2,887&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">3,698&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Glenn Hutchins</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">700&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">700&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" 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0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">314&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">292&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Henrique de Castro</span></td><td colspan="2" 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">283&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">300&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">222&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">225&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Luis Isasi</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">1,000&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">1,423&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">1,440&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Bel&#233;n Romana</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">581&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">599&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Pamela Walkden</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">383&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">381&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Germ&#225;n de la Fuente</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">344&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">338&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Carlos Barrab&#233;s</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">259&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">128&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Antonio Weiss</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">180&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">72&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Bruce Carnegie-Brown</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">78&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">Ramiro Mato</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">271&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Total 2025</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">6,585</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">3,387</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">3,387</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">1,693</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">1,694</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">16,746</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">2,461</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">5,001</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">29,462</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">Total 2024</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">6,585</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">3,130</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">3,130</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">1,877</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">1,879</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">16,601</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">2,444</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">5,815</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%">30,214</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Footnotes in previous table.</span></div><div style="margin-bottom:9pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></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:110%">The table below includes the amounts relating to the short-term remuneration of the members of senior management at 31 December 2025 and those at 31 December 2024, excluding the remuneration of the executive directors, which is detailed above.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.985%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.237%"></td><td style="width:0.1%"></td></tr><tr><td colspan="33" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Short-term salaries and deferred remuneration</span></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="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Variable remuneration (bonus) - Immediate payment</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Deferred variable remuneration</span></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:2px 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:105%">Year</span></td><td colspan="3" style="padding:2px 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:105%">Number&#160;of<br/>persons</span></td><td colspan="3" style="padding:2px 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:105%">Fixed</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">In cash</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">In instruments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">In cash</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">In instruments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="padding:2px 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:105%">Pensions</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other<br/>remuneration</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,255</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,179</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,180</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,306</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,306</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,910</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,456</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57,592</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,466</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,376</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,377</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,319</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,320</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,520</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,153</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49,531</span></td></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">1.Includes other remuneration items such as life and medical insurance premiums and localization aids and lastly RSUs from PagoNxt S.L., for the work of one director in said entity.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">2.&#160;&#160;&#160;&#160;The amount of immediate payment for 2024 is 894,587 shares (1,611,965  Santander shares in 2024).</span></div><div style="margin-bottom:18pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">3.&#160;&#160;&#160;&#160;The deferred amount in instruments not linked to long-term objectives for 2024 is 416,410  shares ( 725,399 Santander shares in 2024).</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationVariableObjectiveExplanatoryTableTextBlock', window );">Schedule summarising remuneration related to multi-annual variable objectives</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is the detail by executive director of the salaries linked to multi-year objectives at their fair Value, which will only be received if the conditions of permanence in the Group, non-applicability of malus clauses and achievement of the established objectives are met (or, as the case may be, of the minimum thresholds thereof, with the consequent reduction of amount agreed-upon at the end of the&#160;year) in the terms described in Note&#160;46.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"><tr><td style="width:1.0%"></td><td style="width:30.247%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.379%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.125%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.887%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.379%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.383%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="padding:2px 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:105%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Variable subject to long-term<br/>objectives</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">In cash</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">In shares</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">In RSUs</span></td><td colspan="3" style="padding:2px 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:105%">Total</span></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">701&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,893&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">210&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,804&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,332&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">H&#233;ctor Grisi</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">484&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,277&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">176&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,938&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,611&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,185</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,170</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">386</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,742</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,943</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">1. Corresponds with the fair value of the maximum amount they are entitled to in a total of 3 years: 2029, 2030 and 2031, subject to conditions of continued service, with the exceptions provided, and to the non-applicability of malus clauses and achievement of the objectives established. The face value of the three aforementioned deferred amounts is EUR 6,774 thousand for 2025 (EUR 4,006 thousand for Ana Bot&#237;n and EUR 2,768 thousand for H&#233;ctor Grisi).</span></div>These remuneration payments shall be received, as the case may be, in the corresponding deferral periods, upon achievement of the conditions stipulated for each payment (see note&#160;46):<div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:17.109%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.109%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.504%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.125%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Variable remuneration subject to long-term objectives</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Year</span></td><td colspan="3" style="padding:2px 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:105%">Number&#160;of&#160;people</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash&#160;<br/>payment</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Instrument</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">payment</span></div></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,521&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,522&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,043&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,485&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,486&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,971&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">1.&#160;&#160;&#160;&#160;Relates to the fair value of the maximum annual amounts for years 2029, 2030 and 2031 of the tenth cycle of the deferred conditional variable remuneration plan (2028, 2029 and 2030 for the ninth cycle of the deferred variable compensation plan linked to annual objectives for the year 2024). The face value of the three aforementioned deferred amounts is EUR 12,919&#160;thousand for 2025.</span></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationProvisionsForRetirementPensionsAndSupplementaryBenefitsTableTextBlock', window );">Schedule summarising remuneration related to provisions for retirement pensions and supplementary benefits</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The provisions recognised in 2025 and 2024 for retirement pensions were 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:68.596%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.142%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.962%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Ana Bot&#237;n</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,341&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,339&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">H&#233;ctor Grisi</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,120&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,105&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,461</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,445</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationWelfareSystemTableTextBlock', window );">Schedule summarising remuneration related to welfare system</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is a detail of the balances relating to each of the directors under the welfare system as of  31 December 2025 and 2024:</span></div><div><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:66.778%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.960%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.962%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Ana Bot&#237;n</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">65,027&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">54,731&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">H&#233;ctor Grisi</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,033&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,299&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,178&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,326&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">90,238</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">76,356</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationLifeInsuranceTableTextBlock', window );">Schedule summarising remuneration related to life and disability insurance</a></td>
<td class="text">Also, the following table provides information on the sums insured for the Bank&#8217;s directors:<div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:69.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Insured capital</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td><td colspan="6" style="border-top:1pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 8.09pt 0 1pt;text-indent:-7.09pt"><div style="margin-bottom:6pt;padding-right:7.09pt;text-align:justify;text-indent:-7.09pt"></div></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Ana Bot&#237;n</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,659&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,525&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">H&#233;ctor Grisi</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,600&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,600&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,500&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,215&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">43,759</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">45,340</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock', window );">Schedule summarising shares assigned for deferred variable remuneration plans</a></td>
<td class="text"><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:19.788%"></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:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.717%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Share-based variable remuneration</span></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"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Maximum number of shares to be delivered at January 1,2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2024 (immediate payment 2023 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2024 (deferred payment 2022 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2024 (deferred payment 2021 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2024 (deferred payment 2020 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2024 (deferred payment 2019 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Variable remuneration 2024 (Maximum number of shares to be delivered)</span></td></tr><tr><td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2019 variable remuneration</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">70,905&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(35,452)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,386&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(23,693)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">118,290</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(59,145)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2020 variable remuneration</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93,146&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31,049)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50,594&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16,865)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">143,740</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(47,914)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2021 variable remuneration</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">710,698&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(177,675)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">479,644&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(119,911)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,190,342</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(297,586)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2022 variable remuneration</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">358,419&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(62,334)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">241,954&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(42,079)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">600,374</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(104,413)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023 variable remuneration</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,127,209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(469,286)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">H&#233;ctor Grisi</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">749,143&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(321,645)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,876,352</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(790,931)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024 variable remuneration</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">976,463&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">H&#233;ctor Grisi</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">656,033&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,632,496</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025 variable remuneration</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Ana Bot&#237;n</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid 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0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">H&#233;ctor Grisi</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">1.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt">For each director, 40% of the shares indicated correspond to the short-term variable (or immediate payment). The remaining 60% is deferred for delivery, where appropriate, in the next five years, the last three being subject to the fulfilment of multiannual objectives. Maximum opportunity subject to regulatory ratio compliance.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span></div><div style="margin-bottom:18pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.688%"><tr><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.544%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.944%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.904%"></td><td style="width:0.1%"></td></tr><tr style="height:15pt"><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:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Maximum number of shares to be delivered at December 31, 2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Instruments matured but not consolidated at January 1, 2025</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.61pt;font-weight:700;line-height:105%;position:relative;top:-2.48pt;vertical-align:baseline">2</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2025 (immediate payment 2024 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2025 (deferred payment 2023 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2025 (deferred payment 2022 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2025 (deferred payment 2021 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2025 (deferred payment 2020 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Shares delivered in 2025 (deferred payment 2019 variable remuneration)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Variable remuneration 2025 (Maximum number of shares to be delivered)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%">Maximum number of shares to be delivered at December 31, 2025</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,452&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(35,452)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,693&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(23,693)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">59,145</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(59,145)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,097&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31,049)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,048&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,729&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16,865)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,864&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">95,826</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(47,914)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">47,912</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">533,023&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(44,774)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(162,750)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">325,499&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">359,733&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(30,218)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(109,838)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">219,677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">892,756</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(74,992)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(272,588)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">545,176</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">296,085&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(62,334)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">233,751&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">199,875&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(42,079)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">157,796&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">495,961</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">391,548</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">657,923&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">543,502&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">427,498&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">353,151&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,085,421</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" 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style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(188,768)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">896,653</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td 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0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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#9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">408,159&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">408,159&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,010,904</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,010,904</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">&#160;&#160;&#160;&#160;</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">2.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt">The levels of achievement of the multi-year metrics of the long-term variable remuneration plans:</span><span style="background-color:#ffff00;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">    1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline">) Seventh cycle of the deferred multi-year objectives variable remuneration plan (2022):</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> 115.2% of achievement for the period 2022-2024.<br/>a. RoTE metric for 2024 year-end period at 150%. Weight of 40.0%.<br/>b. Relative TSR metric in 2022-2024 period at 83% of achievement. Weight of 40.0%.<br/>c. Sustainability metrics at 25% of achievement. Weight of 20.0%. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">    </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">    2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline">) Sixth cycle of the deferred multi-year objectives variable remuneration plan (2021)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">: 91.6% of achievement for the period 2021-2023.<br/>a. CET1 metric at 100% of achievement for 2023 year-end period (target 12.00%). Weight of 33.3%.<br/>b. Underlying BPA growth at 150% of achievement (target growth of 100%). Weight of 33.3%.<br/>c. TSR metric at 25% of achievement (target of 33 to 66 percentile). Weight of 33.3%.<br/></span><span style="background-color:#ffff00;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"><br/></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline">) Fifth cycle of the deferred multi-year objectives variable remuneration plan (2020)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">: 83.0% of achievement for the period 2020-2022.<br/>a. CET1 metric at 100% of achievement for 2022 year-end period (target 12.00%). Weight of 33.3%.<br/>b. Underlying BPA growth at 150% of achievement (target growth of 10%). Weight of 33.3%.<br/>c. TSR metric at 0% of achievement (minimum target of 33% not reached). Weight of 33.3%</span></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfCashPaidForVestedSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock', window );">Schedule summarising the cash paid for awards</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Furthermore, the maximum number of  RSUs of PagoNxt, S.L. to be delivered under the current plan (and subject to regulatory ratio compliance) is 9,415 and 7,909 units for Ana Bot&#237;n and H&#233;ctor Grisi, respectively.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, the table below shows the cash delivered in 2025 and 2024, by way of either immediate payment or deferred payment, in the latter case once the Board had determined, at the proposal of the remuneration committee, that one deferral relating to each plan had accrued:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:31.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.640%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.644%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td><td colspan="15" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash paid (immediate payment 2024 variable remuneration)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash paid (deferred payments from 2023, 2022, 2021 and 2020 variable remuneration)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash paid (immediate payment 2023 variable remuneration)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash paid (deferred payments from 2022, 2021, 2020 and 2019 variable remuneration)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,851</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,759</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,780</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,419</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">H&#233;ctor Grisi</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,279</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">366</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,220</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">863</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">815</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">945</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">3,130</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2,940</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">3,000</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">3,228</span></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationMaximumNumberOfSharesToBeDeliveredAndActualNumberOfSharesDeliveredTableTextBlock', window );">Schedule summarising maximum number of shares to be delivered and actual number of shares delivered</a></td>
<td class="text">Also set forth below is information on the deliveries, whether in shares or in cash, made in 2025 and 2024 to former board members, upon achievement of the conditions for the receipt thereof (see note 46):<div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:76.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.160%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Maximum number of shares to be delivered</span></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 #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">2025</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2019)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,490</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2020)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,511</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71,024</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2021)</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137,400</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">206,100</span></td></tr></table></div><div style="margin-bottom:12pt;padding-left:9pt;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:76.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.160%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Number of shares delivered</span></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 #ec0000;padding:0 7.75pt 0 1pt;text-indent:-7.09pt"><div style="margin-bottom:6pt;padding-right:6.75pt;text-align:justify;text-indent:-7.09pt"></div></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">2025</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2018)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,860</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2019)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,490</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,490</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2020)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,512</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,512</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2021)</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68,700</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,911</span></td></tr></table></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:130%">The maximum number of Santander shares that the members of senior management at each plan grant date (excluding executive directors) were entitled to receive as of 31 December 2025 and 31 December 2024 relating to the deferred portion under the various plans then in force is the following (see note&#160;46):</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:63.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.492%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.494%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Maximum number of shares to be delivered</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2019) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71,294&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2020)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">145,704&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">370,522&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2021)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">486,863&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">966,680&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2022)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">891,305&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,430,464&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2023)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">934,609&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,395,815&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2024)</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,601,213&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">Since the conditions established in the corresponding deferred share-based remuneration schemes for prior years had been met, the following number of Santander shares was delivered in 2025 and 2024 to the senior management, in addition to the payment of the related cash amounts:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:63.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.961%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.333%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Number&#160;of&#160;shares&#160;delivered</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2018)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57,730&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2019) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">54,249&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71,294&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2020) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">145,704&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">185,261&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2021) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">243,433&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">351,777&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2022) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">266,390&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">357,615&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2023) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">233,652&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,212,984&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred conditional variable remuneration plan and linked to objectives (2024) </span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,399,679&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SummaryQuantitativeDataAboutEntitysExposureToRisk', window );">Schedule of direct risk exposure to bank's directors and the guarantees provided</a></td>
<td class="text">These transactions were made on terms equivalent to those that prevail in arm&#8217;s-length transactions or the related compensation in kind was recognized:<div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:38.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.832%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and credits</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Guarantees</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and credits</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Guarantees</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">H&#233;ctor Grisi</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Glenn Hutchins</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Antonio Francesco Weiss </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Bel&#233;n Romana</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Bruce Carnegie-Brown</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"> A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Germ&#225;n de la Fuente</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gina D&#237;ez Barroso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Henrique de Castro</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Homaira Akbari</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Javier Bot&#237;n</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid 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style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">138&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">138&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid 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0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pamela Walkden</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Ramiro Mato</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"> D</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Sol Daurella </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">140</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">140</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">143</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">143</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Ceased as director of Banco Santander, S.A. on 22 March 2024.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt">Director since 27 June 2024. </span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.7pt">Director since 27 June 2024.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5pt">Ceased as director of Banco Santander, S.A. on 27 June 2024 .</span></div><div style="margin-bottom:9pt;margin-top:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"><tr><td style="width:1.0%"></td><td style="width:46.887%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.906%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.907%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which: impaired</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Home purchase loans to families</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">60,002&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">625&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Without mortgage collateral</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">215&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">With mortgage collateral</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">59,787&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">618&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></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:99.474%"><tr><td style="width:1.0%"></td><td style="width:46.887%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.906%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.907%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which: impaired</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Home purchase loans to families</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59,316&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">789&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Without mortgage collateral</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">208&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">With mortgage collateral</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">59,108&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">778&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"><tr><td style="width:1.0%"></td><td style="width:46.887%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.906%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.907%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which: impaired</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Home purchase loans to families</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">61,097&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">924&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Without mortgage collateral</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">215&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">With mortgage collateral</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">60,882&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">908&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:9pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:25.443%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.282%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.591%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.284%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Excess of gross exposure over maximum recoverable amount of effective collateral</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Specific allowance</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financing for construction and property development (including land) (business in Spain)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,984</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">211</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Of which impaired</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Memorandum items written-off assets</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">240</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></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:99.782%"><tr><td style="width:1.0%"></td><td style="width:69.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:28.221%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Memorandum&#160;items:&#160;Data&#160;from&#160;the&#160;public&#160;consolidated&#160;balance&#160;sheet</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Carrying amount</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">240,609&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total consolidated assets (Total business) (Book value)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,867,515&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment losses and credit risk allowances. Coverage for unimpaired assets (business in Spain)</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,086&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table shows the detail of the assets foreclosed by the businesses in Spain at the end of 2025:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><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"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Valuation adjustments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which impairment losses on assets since time of foreclosure</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net Carrying amount</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Property assets arising from financing provided to construction and property development companies</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,843</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,144</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,591</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,699</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Completed buildings</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">481&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">324&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">282&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">157&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Residential</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">129&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">60&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">58&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">352&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">253&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">222&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">99&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Buildings under construction</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">107&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">49&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">35&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">58&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Residential</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">107&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">49&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">35&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">58&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Land</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,255&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,771&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,274&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,484&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Developed land</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">776&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">429&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">260&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">347&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other land</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,479&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,342&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,014&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,137&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Property assets from home purchase mortgage loans to households</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">334</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">172</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">119</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">162</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other foreclosed property assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">81</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">44</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">36</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">37</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total property assets</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,258</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,360</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,746</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:18.307%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.566%"></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:12.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.307%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.162%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portfolio</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span><br/></span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial&#160;assets <br/>at&#160;fair&#160;value <br/>through&#160;other <br/>comprehensive <br/>income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial <br/>assets&#160;at <br/>amortised&#160;cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-trading financial assets mandatory at fair value through profit or loss</span></td><td colspan="3" style="padding:2px 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:105%">Total net direct exposure</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Total net direct exposure</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%">3,852&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%">112&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%">58,044&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%">62,008&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%">56,293&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(659)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,199&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,767&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,307&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,652&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,875&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">440&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,557&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,872&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,915&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Greece</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest Eurozone</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,684&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">254&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,443&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,381&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,212&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">UK</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">907&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,001&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,687&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,595&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,772&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Poland</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,141&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,339&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,333&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,813&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,286&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">526&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">534&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">954&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,783&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,320&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,943&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,046&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24,926&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,089&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,533&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,543&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,165&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,641&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,663&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,652&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,599&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,914&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,642&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">676&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,666&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,254&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,596&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,900&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of America</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,593&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,654&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,151&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,398&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,431&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of the World</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">211&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,128&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,356&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,003&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">38,785</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">35,187</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">150,975</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">224,947</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">198,627</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:115%;position:relative;top:-2.44pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> Risks with domestic public or private borrowers in foreign currency and originated outside the country.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:115%;position:relative;top:-2.44pt;vertical-align:baseline">2 </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Countries that are not considered low risk by Banco de Espa&#241;a.</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:27.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.606%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Current refinancing and restructuring balances</span></td></tr><tr><td colspan="24" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Amounts in EUR million, except number of transactions that are in units</span></td></tr><tr><td colspan="24" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Without&#160;real&#160;guarantee</span></td><td colspan="12" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">With&#160;real&#160;guarantee</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:26pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Maximum amount of the actual collateral that can be considered</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impairment of accumulated value or accumulated losses in fair value due to credit risk</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Number of transactions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Gross amount</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Number of transactions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Real estate guarantee</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Rest of real guarantees</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit entities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Public sector</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other financial institutions and: individual shareholder</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">933&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">94&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">462&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">182&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">117&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">15&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">94&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non-financial institutions and individual shareholder</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">489,192&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5,095&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">42,700&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5,596&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,271&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">923&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,713&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Of which financing for constructions and property development</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">249&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">21&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">523&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">739&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">695&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">75&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other warehouses</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,000,071&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4,556&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">515,253&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">9,699&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,752&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,777&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,665&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">3,490,210</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">9,751</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">558,424</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">15,484</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">7,145</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">4,715</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">6,480</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financing classified as non-current assets and disposable groups of items that have been classified as held for sale</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">13,499&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">261&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4,630&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">566&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">406&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">171&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:24.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.718%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Current refinancing and restructuring balances</span></td></tr><tr><td colspan="24" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Amounts in EUR million, except number of transactions that are in units</span></td></tr><tr><td colspan="24" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="24" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Of&#160;which,&#160;non-performing/Doubtful</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Without&#160;real&#160;guarantee</span></td><td colspan="12" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">With&#160;real&#160;guarantee</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:26pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Maximum amount of the actual collateral that can be considered</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impairment of accumulated value or accumulated losses in fair value due to credit risk</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Number of transactions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Gross amount</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Number of<br/>transactions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Real estate guarantee</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Rest of real guarantees</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit entities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Public sector</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other financial institutions and: individual shareholder</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">579&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">259&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">75&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">89&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non-financial institutions and individual shareholder</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">296,008&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,901&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">26,767&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,585&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,166&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">420&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,420&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Of which financing for constructions and property development</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">167&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">264&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">156&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">115&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other warehouses</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,620,343&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,401&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">296,470&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5,313&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,730&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,232&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,991&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Total</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,916,935</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">5,354</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">323,505</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">7,980</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,923</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,663</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">5,508</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financing classified as non-current assets and disposable groups of items that have been classified as held for sale</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">6,901&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">120&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,720&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">235&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">110&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">145&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">The balance sheet items in the Group&#8217;s consolidated position that are subject to market risk are shown below, distinguishing those positions for which the main risk metric is VaR from those for which risk monitoring is carried out using other metrics:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:50.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.939%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Risk metric values on the consolidated balance sheet</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</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></tr><tr><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Main market risk metric</span></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Balance sheet amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">VaR</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td><td colspan="3" style="padding:2px 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:105%">Main risk factor for 'Other' balance</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets&#160;subject&#160;to&#160;market&#160;risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash, cash balances at central banks and other deposits on demand</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">152,281&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">152,281&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">252,318&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">252,318&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,761&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,815&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,946&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,046&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,046&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">74,612&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,281&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">72,331&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at amortized cost</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,202,689&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,202,689&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,931&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,931&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, exchange rate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other assets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">165,827&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,867,515</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities subject to market risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">171,546&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">171,546&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">42,148&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">42,148&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,421,184&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,421,184&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,248&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,248&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, exchange rate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">49&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">49&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">115,592&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,754,767</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">112,748</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr></table></div><span></span>
</td>
</tr>
</table>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of summary quantitative data about the entity's exposure to risks arising from financial instruments. This disclosure shall be based on the information provided internally to key management personnel of the entity, for example, the entity&#8217;s board of directors or chief executive officer. [Refer: Classes of financial instruments [domain]; Key management personnel of entity or parent [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 34<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_34_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of cash paid for vested shares assigned between related parties under deferred variable remuneration plans.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of shares assigned between the entity and its related parties for deferred variable remuneration plans.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of Shares Assigned Between Related Parties, Remuneration, Maximum Number Of Shares To Be Delivered And Actual Number Of Shares Delivered</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of annual emolument remuneration between the entity and its related parties.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of remuneration for attendance fees between the entity and its related parties.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAttendanceFeesExplanatoryTableTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of remuneration between the entity and its related parties for life and disability insurance.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationOfKeyPersonnelExcludingRemunerationForMultiAnnualObjectivesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of remuneration of key personnel excluding remuneration tied to multiannual objectives.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationProvisionsForRetirementPensionsAndSupplementaryBenefitsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of remuneration between the entity and its related parties related to provisions for retirement pensions and supplementary benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationProvisionsForRetirementPensionsAndSupplementaryBenefitsTableTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationVariableObjectiveExplanatoryTableTextBlock">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of remuneration by director for multiannual objectives between the entity and its related parties.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationVariableObjectiveExplanatoryTableTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of remuneration by director between the entity and its related parties related to specified welfare system.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfTransactionsBetweenRelatedPartiesRemunerationWelfareSystemTableTextBlock</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RemunerationAndOtherBenefitsPaidToTheBanksDirectorsAndSeniorManagersAbstract</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and advances to central banks and credit institutions (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCentralBanksAndCreditInstitutionsAbstract', window );"><strong>Loans And Advances To Central Banks And Credit Institutions [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfDetailedInformationAboutLoansAndAdvancesToBanksTableTextBlock', window );">Schedule of loans and advances to banks and credit institutions</a></td>
<td class="text"><div style="margin-bottom:3pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by classification, type and currency, of Loans and advances to central banks and credit institutions in the consolidated balance sheets is as follows:</span></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:61.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.346%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">CENTRAL BANKS</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Classification</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets held for trading</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14,632</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">12,966</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">17,717</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non-trading financial assets mandatorily at<br/>fair value through profit or loss</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets designated at fair value<br/>through other comprehensive income</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets at amortised cost</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">15,986</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">16,179</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">20,082</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">30,618</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">29,145</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">37,799</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Type</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Time deposits</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">15,986</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">16,179</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">17,747</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Reverse repurchase agreements</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14,632</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">12,966</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">20,052</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Impaired assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Valuation adjustments for impairment</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">30,618</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">29,145</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">37,799</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">CREDIT INSTITUTIONS</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Classification</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets held for trading</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">25,967</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">27,314</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14,061</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non-trading financial assets mandatorily at<br/>fair value through profit or loss</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">413</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">408</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">459</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets designated at fair value<br/>through other comprehensive income</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,120</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">363</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">313</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financial assets at amortised cost</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">61,513</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">55,537</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">57,917</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">89,013</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">83,622</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">72,750</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Type</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Time deposits</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10,665</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">9,036</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8,560</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Reverse repurchase agreements</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">52,365</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">48,932</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">35,846</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non- loans advances</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">25,987</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">25,659</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">28,353</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Impaired assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Valuation adjustments for impairment</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(9)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">89,013</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">83,622</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">72,750</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">CURRENCY</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Euro</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">43,697</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">43,347</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">34,229</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Pound sterling</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5,147</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,424</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,539</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">US dollar</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">23,320</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">22,539</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">17,602</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Brazilian real</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">43,577</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">39,379</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">47,151</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other currencies</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,890</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5,078</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8,028</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">119,631</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">112,767</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">110,549</span></td></tr></table></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Debt securities (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfDebtInstrumentsAbstract', window );"><strong>Disclosure Of Debt Instruments [Abstract]</strong></a></td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfDetailedInformationAboutDebtInstrumentsExplanatoryTableTextBlock', window );">Disclosure of detailed information about debt instruments explanatory</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by classification, type and currency, of Debt securities in the consolidated balance sheets is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:62.751%"></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:11.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.012%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="9" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Classification</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">98,568&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82,646&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,124&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">245&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">447&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">860&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,894&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,897&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,095&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Financial assets designated at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58,305&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76,558&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73,565&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Financial assets at amortised cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">140,014&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">120,949&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">103,559&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">300,026</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">283,497</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">243,203</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Type</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Spanish government debt securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63,742&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56,919&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,321&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Foreign government debt securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">172,468&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">164,747&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">145,732&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Issued by financial institutions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,465&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,776&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,681&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Other fixed-income securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,029&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,703&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,294&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Impaired financial assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">842&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">701&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">461&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Impairment losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(520)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(349)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(286)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">300,026</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">283,497</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">243,203</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Currency</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Euro</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">142,969&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">118,456&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">90,857&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Pound sterling</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,114&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,630&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,284&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">US dollar</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50,671&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,189&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,161&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Brazilian real</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,231&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,432&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,190&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Other currencies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,561&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57,139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58,997&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt securities excluding impairment adjustments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">300,546</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">283,846</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">243,489</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Impairment losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(520)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(349)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(286)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">300,026</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">283,497</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">243,203</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfDebtInstrumentsByOriginOfIssuerTableTextBlock', window );">Schedule of debt instruments by origin of issuer</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The breakdown, by origin of the issuer, of debt securities at 31 December 2025, 2024 and 2023, net of impairment losses, is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:15.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.974%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.392%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.392%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.572%"></td><td style="width:0.1%"></td></tr><tr><td colspan="45" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Private fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Public fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Private fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Public fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Private fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Public fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,528&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63,742&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">66,270&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22.09</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,901&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56,919&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58,820&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20.75</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,525&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,321&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,846&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.62</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">United Kingdom</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,336&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,227&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,563&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.85</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,077&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,903&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,980&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.58</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,816&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,748&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,564&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.11</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Portugal</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,212&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,627&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,839&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.95</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,224&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,138&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,362&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.95</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,826&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,815&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,641&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.14</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Italy</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,821&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,215&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,036&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.01</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,072&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,954&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,026&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.18</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,968&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,945&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,913&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.54</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ireland</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,239&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,281&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.43</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,557&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,571&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.61</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,632&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,643&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.32</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Poland</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,465&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,487&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.50</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,472&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,224&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,696&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.24</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,937&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,482&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,419&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.34</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other European countries</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,682&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,894&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,576&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.86</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,593&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,702&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,295&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.57</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,797&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,495&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,292&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.40</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">United States</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,941&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,199&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,140&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.71</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,475&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,811&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,286&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.21</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,959&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,992&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,951&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.14</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazil</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,518&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,908&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,426&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.81</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,738&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,645&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,383&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.01</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,551&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,342&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,893&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.87</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexico</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,001&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,113&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,114&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.37</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,190&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,822&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,012&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.12</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,969&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,738&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,707&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.34</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,567&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,704&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.90</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,982&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,078&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.50</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,995&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,044&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.95</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other American countries</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,254&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,954&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,208&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.07</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,336&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,502&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,838&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.76</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,315&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,546&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,861&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of the world</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,125&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,257&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,382&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.45</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,050&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.52</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">806&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,623&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,429&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.23</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">63,816</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">236,210</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">300,026</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">61,831</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">221,666</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">283,497</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57,150</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">186,053</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">243,203</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfDebtInstrumentsByIssuerRatingTableTextBlock', window );">Disclosure of debt instruments by issuer rating</a></td>
<td class="text"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by issuer rating, of Debt securities at 31 December 2025, 2024 and 2023 is as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:12.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.159%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.277%"></td><td style="width:0.1%"></td></tr><tr><td colspan="45" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Private fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Public fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Private fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Public fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Private fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Public fixed-income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">AAA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,952&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,320&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,272&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.42</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,889&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,440&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,329&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.23</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,152&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,887&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,039&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.47</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">AA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,598&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,451&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,049&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20.68</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,972&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,254&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64,226&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22.65</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,142&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,704&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,846&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21.32</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">A</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,206&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">95,537&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">108,743&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36.24</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,056&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87,814&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">97,870&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34.53</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,175&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68,112&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">79,287&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32.60</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">BBB</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,872&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50,066&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56,938&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.98</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,900&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,483&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,383&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.83</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,749&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39,173&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,922&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19.29</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Below BBB</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,052&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,836&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,888&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.63</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,543&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,675&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,218&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.54</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,654&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,831&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.97</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Unrated</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,136&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,136&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.05</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,471&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,471&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.22</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.35</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">63,816</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">236,210</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">300,026</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">61,831</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">221,666</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">283,497</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57,150</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">186,053</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">243,203</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutFinancialInstrumentsExplanatory', window );">Schedule of breakdown by type of instrument</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by type of financial instrument, of private fixed-income securities at 31 December 2025, 2024 and 2023, net of impairment losses, 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:49.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Securitised mortgage bonds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,514&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,709&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,310&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other asset-backed bonds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,073&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,624&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,243&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Floating rate debt</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,721&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,323&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,376&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Fixed rate debt</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,508&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,175&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,221&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">63,816</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">61,831</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57,150</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory', window );">Schedule of changes in impairment losses on debt instruments</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in the impairment losses on debt securities are summarised below:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:53.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.025%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at beginning of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">349&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">286&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">226&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Net impairment losses for the&#160;year</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">182&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">226&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Impairment losses charged to income </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">238&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">234&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Impairment losses reversed with a credit to income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(56)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(12)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Assets written off</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(131)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Balance at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">520</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">349</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">286</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">By geographical location of risk:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;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:105%">European Union</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">26&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;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:105%">America</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">494&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">326&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">264&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Of the EUR 182 million corresponding to net provisions for the year ended 31 December 2025 (EUR 226 million and EUR 24 million at 31 December 2024 and 2023, respectively), EUR 182 million relates to financial assets at amortized cost (EUR 227 million and EUR 23 million at 31 December 2024 and 2023, respectively) and EUR 0 million relates to financial assets designated at fair value through other comprehensive income (EUR -1 million and EUR 1 million at 31 December 2024 and 2023, respectively).</span></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is the movement of the loan loss provision broken down by impairment stage of loans and advances to customers during 2025, 2024 and 2023:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:39.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.025%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the beginning of the year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,293&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,744&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,088&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,125&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,734&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,887&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(701)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,931&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,230&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,189)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,760&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,571&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(466)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(384)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(344)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(167)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(59)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(43)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes of the exposure and modifications in the credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,269&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(800)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,581&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,050&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">FX and other movements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(112)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(569)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,164)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,845)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,000</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,631</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,527</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21,158</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:40.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the beginning of the year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,596&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,954&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,238&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,788&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(626)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,676&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,050&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(385)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,548&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,591)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,444&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,853&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">109&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(725)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(616)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(693)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(415)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(156)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(133)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes of the exposure and modifications in the credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">755&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(704)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,655&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,706&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,212)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,212)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">FX and other movements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(179)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(144)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(736)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,059)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,293</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,744</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,088</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">22,125</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></div><div style="margin-bottom:3pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:40.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the beginning of the year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,626&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,127&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,931&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,684&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(696)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,954&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,258&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(405)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,873&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,820)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,721&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,901&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">149&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(905)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(756)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">282&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(920)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(638)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(184)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(157)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes of the exposure and modifications in the credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">875&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(557)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,212&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,530&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">FX and other movements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(127)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(60)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,596</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,954</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,238</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">22,788</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">The changes in gross property development loans to customers were 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:40.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.346%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="9" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at beginning of year</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2,545</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2,433</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2,327</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Foreclosed assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(1)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net variation</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">441</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">112</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">115</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Written-off assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(8)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at end of year</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,984</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,545</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,433</span></td></tr></table></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The gross movement in foreclosed properties were as follows (EUR billion):</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:38.097%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.961%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.963%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR Billion</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross additions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">0.1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">0.3</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.7)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(0.8)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(1.2)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Difference</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.6)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.7)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.9)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of detailed information about financial instruments. [Refer: Classes of financial instruments [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35K<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35K&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 43<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_43&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 43<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_43&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<td style="white-space:nowrap;">ifrs-full_DisclosureOfDetailedInformationAboutFinancialInstrumentsExplanatory</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>dtr-2022:textBlockItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of the reconciliation of changes in the loss allowance and explanation of changes in the gross carrying amount for financial instruments. Loss allowance is the allowance for expected credit losses on financial assets measured in accordance with paragraph 4.1.2 of IFRS 9, lease receivables and contract assets, the accumulated impairment amount for financial assets measured in accordance with paragraph 4.1.2A of IFRS 9 and the provision for expected credit losses on loan commitments and financial guarantee contracts. [Refer: Gross carrying amount [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of Debt Instruments [Abstract]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of Debt Instruments By Issuer Rating</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of debt instruments by origin of issue.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of Detailed Information About Debt Instruments Explanatory</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Equity Instruments (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAbstract', window );"><strong>Equity [abstract]</strong></a></td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfEquityFinancialInstrumentsTableTextBlock', window );">Disclosure of breakdown of equity instruments</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by classification and type, of Equity instruments in the consolidated balance sheets 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:49.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="9" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Classification</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,030&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,636&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,057&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,815&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,641&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,068&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,281&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,193&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,761&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30,126</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23,470</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,886</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Type</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Shares of Spanish companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,083&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,730&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,540&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Shares of foreign companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,633&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,153&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,185&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Shares of investment funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,410&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,587&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,161&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30,126</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23,470</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,886</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfChangesInFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock', window );">Disclosure of changes in financial assets at fair value through other comprehensive income</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in 'Financial assets at fair value through other comprehensive income' were 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:49.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="9" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at beginning of&#160;the year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,193&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,761&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,941&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net additions (disposals)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(81)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(35)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (EIGR)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">245&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">447&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(162)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the RV hedged with micro-hedging transactions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(76)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(29)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Balance at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,281</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,761</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">They do not include fair value movements for currency risk hedged with hedging instruments.</span></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Trading derivatives (assets and liabilities) and short positions (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DerivativesAndShortPositionsAbstract', window );"><strong>Trading Derivatives And Short Positions [Abstract]</strong></a></td>
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</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfTradingDerivativesTableTextBlock', window );">Schedule by type of inherent risk of fair value of trading derivatives</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by type of inherent risk, of the fair value of the trading derivatives arranged by the Group is as follows (see note&#160;11):</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"><tr><td style="width:1.0%"></td><td style="width:15.308%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.831%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.831%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.831%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.831%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.831%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.837%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 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:105%">2025</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debit balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Credit balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debit balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Credit balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debit balance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Credit balance</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,550&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,728&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,834&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,754&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,480&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,014&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Currency risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,755&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,508&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,395&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,110&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,834&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,094&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Price risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,858&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,279&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,765&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,632&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,279&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">904&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other risks</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,192&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,453&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,106&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,257&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">735&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">577&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">58,355</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">51,968</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">64,100</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57,753</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">56,328</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50,589</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfShortPositionsTableTextBlock', window );">Schedule of short positions</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is a breakdown of the short positions (liabilities):</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:50.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.951%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Borrowed securities</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,938&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,566</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,263&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which: </span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,555&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,347</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,383&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,358&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,199&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,881&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Equity instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">690&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">538&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">546&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">429&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">358&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">312&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Short sales</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,387&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,726&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,365&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">28,710&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23,813&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,143&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander (Brasil) S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7,417&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,950&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,462&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Santander US Capital Markets LLC </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,396&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,382&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,442&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">44,015</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">35,830</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,174</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>n/a</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DerivativesAndShortPositionsAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of short positions (liabilities).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfShortPositionsTableTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfTradingDerivativesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure by type of inherent risk of fair value of derivatives</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and advances to customers (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersAbstract', window );"><strong>Loans And Advances To Customers [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfLoansAndAdvancesToCustomersTableTextBlock', window );">Schedule of detail, by classification, of loans and advances to customers</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by classification, of Loans and advances to customers in the consolidated balance sheets 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:47.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.109%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,766&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,591&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,634&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through<br/>profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,701&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,042&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">982&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,739&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,610&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,219&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,906&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,784&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,669&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">985,176&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,011,042&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,009,845&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Impairment losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(21,158)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(22,125)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(22,788)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,037,288&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,054,069&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,036,349&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances to customers disregarding impairment losses </span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,058,446</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,076,194</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,059,137</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfLoansAndAdvancesToCustomersBreakdownTableTextBlock', window );">Schedule of the breakdown of loans and advances to customers</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is a breakdown of the loans and advances granted to the Group's customers, which reflect the Group's exposure to credit risk in its main activity, without considering the balance of value adjustments for impairment, taking into account the type and situation of the transactions, the geographical area of their residence and the type of interest rate on the transactions:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:47.974%"></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:15.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.876%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loan type and status</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Commercial credit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,110&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,209&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,628&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Secured loans</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">530,749&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">557,463&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">554,375&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73,980&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">59,648&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,184&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other term loans</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">295,998&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">296,339&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">295,485&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Finance leases</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,540&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,723&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Receivable on demand</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,313&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,756&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,277&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Credit cards receivables</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,179&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,928&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,371&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impaired assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,577&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,731&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,094&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,058,446</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,076,194</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,059,137</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Geographical area</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">198,894&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">198,164&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">203,680&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of Europe </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">467,697&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">502,664&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">489,706&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">of which United Kingdom</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">258,739&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">266,934&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">263,808&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">The Americas</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">374,739&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">359,264&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">350,873&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">of which USA</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">135,088&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">136,054&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">126,529&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">of which Brazil</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">90,951&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">91,066&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100,758&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of the world</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,116&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,102&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,878&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,058,446</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,076,194</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,059,137</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate formula</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fixed rate</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">694,332&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">678,994&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">647,349&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Floating rate</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">364,114&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">397,200&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">411,788&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,058,446</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,076,194</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,059,137</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfLoansAndAdvancesToCustomersInDetailByActivityTableTextBlock', window );">Schedule of loans and advances to customers in detail by activity</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is a detail, by activity, of the loans to customers at 31 December 2025, net of impairment losses:</span></div><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:28.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.460%"></td><td style="width:0.1%"></td></tr><tr><td colspan="33" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><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="24" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Secured loans</span></td></tr><tr><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="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net exposure</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan to value ratio</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Total</span></td><td colspan="3" style="padding:2px 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:105%">Without <br/>collateral</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of&#160;which<br/>property<br/>&#160;collateral</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of&#160;which<br/>other<br/>&#160;collateral</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Less than or&#160;equal to 40%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More<br/>than 40%&#160;and less&#160;than or&#160;equal<br/>to 60%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More<br/>than 60%&#160;and less&#160;than or&#160;equal<br/>to 80%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More<br/>than 80%&#160;and less&#160;than or&#160;equal<br/>to 100%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than 100%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Public sector</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,607&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,423&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">153&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,031&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">157&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">168&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">251&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">334&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">274&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial institutions (financial business activity)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">124,684&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,687&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,959&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80,038&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,045&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">995&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">424&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77,935&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">598&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-financial corporations and individual entrepreneurs (non-financial business activity) (broken down by purpose)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">318,284&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">179,529&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63,124&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">75,631&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,917&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,942&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,168&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,306&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,422&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Construction and property development</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,118&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,294&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,594&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">230&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,963&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,921&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,890&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,164&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">886&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Civil engineering construction</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,522&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,732&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">771&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">93&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">84&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">470&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">104&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Large companies</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">181,870&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">128,502&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,718&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">35,650&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,666&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,157&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,459&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,909&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">SMEs and individual entrepreneurs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">116,774&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">48,001&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29,793&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">38,980&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,684&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,271&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,082&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,213&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,523&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Households&#160;&#8211; other (broken down by purpose) </span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">542,623&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">108,903&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">338,778&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94,942&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100,584&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">126,917&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">113,075&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,214&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37,930&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Residential</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">332,931&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,149&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">331,655&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">127&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">90,170&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">116,264&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">97,858&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,944&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,546&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Consumer loans</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">192,576&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">104,388&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,667&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">86,521&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,909&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,063&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,297&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24,977&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">35,942&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Other purposes</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,116&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,366&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,456&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,294&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,505&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,590&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,920&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,293&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">442&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,015,198</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">359,542</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">404,014</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">251,642</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">126,703</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">155,022</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">132,918</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">178,789</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">62,224</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:400;line-height:105%">Memorandum item</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Refinanced and restructured transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,151&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,546&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,896&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,709&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,347&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,381&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,037&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,457&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,383&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:3pt;padding-left:7.09pt;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:115%">A.</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">In addition, the Group has granted advances to customers am</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">ounting to EUR 22,090 million, bringing the total of loans and advances to EUR 1,037,288 million.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Includes the net balance of the impairment of the accumulated value or accumulated losses in the fair value due to credit risk.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">The ratio is the carrying amount of the transactions at 31 December 2025 provided by the latest available appraisal value of the collateral.</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfMovementInGrossExposureByImpairmentStageTableTextBlock', window );">Schedule of movement of gross exposure by impairment stage</a></td>
<td class="text"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is the movement of the gross exposure broken down by impairment stage of loans and advances to customers recognised under 'Financial assets at amortised cost' and 'Financial assets at fair value through other comprehensive income' during 2025, 2024 and 2023:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:38.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at the beginning of year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">925,413&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">84,455&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,568&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,043,436&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Movements</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(39,015)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39,015&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12,097)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,097&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8,266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,266&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,079&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16,079)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,764&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,764)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">441&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(441)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes on financial assets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69,819&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12,940)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,436)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">52,443&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(54,818)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6,369)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,493)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(63,680)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">905,822</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">81,580</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31,531</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,018,933</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:38.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.876%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at the beginning of year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">929,133&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76,654&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,821&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,039,608&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Movements</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers </span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(49,316)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49,316&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11,517)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,517&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10,083)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,083&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,475&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21,475)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,358&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,358)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">447&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(447)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes on financial assets </span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,281&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11,616)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,889)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,776&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,212)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,212)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8,090)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(699)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(947)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9,736)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">925,413</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">84,455</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">33,568</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,043,436</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:39.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.025%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at the beginning of year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">942,861&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">66,696&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,617&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,042,174&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Movements</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(43,278)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12,636)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,636&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9,915)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,915&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,180&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15,180)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,899&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,899)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">488&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(488)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes on financial assets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,696&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10,673)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,218)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,805&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,178)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(451)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">105&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,524)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">929,133</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">76,654</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">33,821</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,039,608</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock', window );">Schedule of impairment loss and allowance for loans and advances to customers</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in the impairment losses on the assets making up the balances of financial assets at amortised cost and at fair value through other comprehensive income - Loans and advances - Customers:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Amount at beginning of the year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,125&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,788&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,684&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment losses charged to income for the year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,144&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,428&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,805&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Impairment losses charged to profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">24,935&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,761&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,608&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Impairment losses reversed with a credit to profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(10,791)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(9,333)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6,803)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Change of perimeter</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(48)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-off of impaired balances against recorded impairment allowance</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,266)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,212)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other changes</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,845)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(879)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">194&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Amount at end of the year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,158</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,125</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,788</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Which correspond to:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Impaired assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">13,527&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,088&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,238&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7,631&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,037&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,550&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Individually calculated</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,359&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,258&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,951&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Collective calculated</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">18,799&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,867&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,837&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory', window );">Schedule of changes in loss allowance and gross carrying amount</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in the impairment losses on debt securities are summarised below:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:53.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.025%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at beginning of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">349&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">286&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">226&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Net impairment losses for the&#160;year</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">182&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">226&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Impairment losses charged to income </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">238&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">234&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Impairment losses reversed with a credit to income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(56)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(12)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Assets written off</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(131)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Balance at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">520</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">349</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">286</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">By geographical location of risk:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;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:105%">European Union</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">26&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;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:105%">America</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">494&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">326&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">264&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Of the EUR 182 million corresponding to net provisions for the year ended 31 December 2025 (EUR 226 million and EUR 24 million at 31 December 2024 and 2023, respectively), EUR 182 million relates to financial assets at amortized cost (EUR 227 million and EUR 23 million at 31 December 2024 and 2023, respectively) and EUR 0 million relates to financial assets designated at fair value through other comprehensive income (EUR -1 million and EUR 1 million at 31 December 2024 and 2023, respectively).</span></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is the movement of the loan loss provision broken down by impairment stage of loans and advances to customers during 2025, 2024 and 2023:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:39.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.025%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the beginning of the year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,293&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,744&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,088&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,125&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,734&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,887&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(701)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,931&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,230&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,189)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,760&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,571&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(466)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(384)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(344)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(167)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(59)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(43)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes of the exposure and modifications in the credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,269&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(800)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,581&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,050&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">FX and other movements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(112)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(569)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,164)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,845)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,000</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,631</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,527</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21,158</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:40.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the beginning of the year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,596&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,954&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,238&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,788&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(626)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,676&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,050&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(385)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,548&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,591)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,444&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,853&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">109&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(725)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(616)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(693)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(415)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(156)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(133)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes of the exposure and modifications in the credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">755&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(704)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,655&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,706&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,212)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,212)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">FX and other movements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(179)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(144)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(736)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,059)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,293</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,744</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,088</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">22,125</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></div><div style="margin-bottom:3pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:40.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the beginning of the year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,626&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,127&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,931&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,684&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(696)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,954&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,258&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(405)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,873&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,820)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,721&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,901&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">149&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(905)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(756)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">282&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(920)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(638)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(184)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(157)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes of the exposure and modifications in the credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">875&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(557)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,212&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,530&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">FX and other movements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(127)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(60)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,596</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,954</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,238</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">22,788</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">The changes in gross property development loans to customers were 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:40.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.346%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="9" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at beginning of year</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2,545</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2,433</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2,327</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Foreclosed assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(1)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net variation</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">441</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">112</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">115</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Written-off assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(8)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at end of year</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,984</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,545</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,433</span></td></tr></table></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The gross movement in foreclosed properties were as follows (EUR billion):</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:38.097%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.961%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.963%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR Billion</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross additions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">0.1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">0.3</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.7)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(0.8)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(1.2)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Difference</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.6)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.7)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.9)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfChangesInBalanceOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock', window );">Schedule of changes in the impairment losses for loans and advances to customers</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of the changes in the balance of the financial assets classified as 'Financial assets Loans to customers' considered to be impaired due to 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:51.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.643%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Balance at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,731&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">34,094&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">32,888&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Net additions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,648&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,779&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,944&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Written-off assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,266)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13,212)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13,847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the scope of consolidation</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(59)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Exchange differences and other</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,536)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(947)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">168&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at end of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31,577</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">33,731</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">34,094</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedWithOrWithoutCollateralTableTextBlock', window );">Schedule of financial assets that are either past due or impaired, with or without collateral</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Set forth below for each class of impaired asset are the gross amount, associated allowances and information relating to the collateral and/or other credit enhancements obtained at 31 December 2025:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:41.801%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.109%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.346%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Gross<br/>amount</span></td><td colspan="3" style="padding:2px 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:105%">Allowance recognised</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Estimated collateral<br/>value</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Without associated real collateral</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,846&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,133&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">With real estate collateral</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,777&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,759&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,657&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">With other collateral</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,954&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,635&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,424&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31,577</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,527</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,081</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Including the estimated value of the collateral associated with each loan. Accordingly, any other cash flows that may be obtained, such as those arising from borrowers&#8217; personal guarantees, are not included.</span></div><span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransfersOfFinancialAssetsExplanatory', window );">Schedule of the breakdown of the securitized loans</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The breakdown of securitized loans held on the balance sheet, according to the nature of the financial instrument in which they are originated, is shown below:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:49.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Retained on the balance sheet</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80,072</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80,824</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">75,738</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Securitised mortgage assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19,640</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">17,782</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">16,994</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;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:105%">Of which: UK assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10,236</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">9,034</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">6,096</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Other securitised assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">60,432</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">63,042</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">58,744</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">80,072</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">80,824</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">75,738</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Note 22 details the liabilities associated with these securitisation transactions.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of the reconciliation of changes in the loss allowance and explanation of changes in the gross carrying amount for financial instruments. Loss allowance is the allowance for expected credit losses on financial assets measured in accordance with paragraph 4.1.2 of IFRS 9, lease receivables and contract assets, the accumulated impairment amount for financial assets measured in accordance with paragraph 4.1.2A of IFRS 9 and the provision for expected credit losses on loan commitments and financial guarantee contracts. [Refer: Gross carrying amount [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<td style="white-space:nowrap;">ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTransfersOfFinancialAssetsExplanatory">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of transfers of financial assets. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Section Transfers of financial assets<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;doctype=Standard&amp;dita_xref=IFRS07_g42A-42S_TI<br> -URIDate 2025-03-27<br></p></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of changes in balance of impairment loss allowance for loans and advances to customers.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of Financial Assets That Are Either Past Due Or Impaired, With Or Without Collateral</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of impairment loss and allowance for loans and advances to customers.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfLoansAndAdvancesToCustomersBreakdownTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of breakdown of loans and advances to customers.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of loans and advances to customers in detail by activity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfLoansAndAdvancesToCustomersInDetailByActivityTableTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of loans and advances to customers.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfLoansAndAdvancesToCustomersTableTextBlock</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The tabular disclosure of movement in gross exposure by impairment stage.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfMovementInGrossExposureByImpairmentStageTableTextBlock</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>n/a</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LoansAndAdvancesToCustomersAbstract</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Trading derivatives (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_HedgingDerivativesAbstract', window );"><strong>Derivatives [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfNotionalAmountAndMarketValueOfTradingDerivativesTableTextBlock', window );">Schedule of fair value of derivatives by type of risk</a></td>
<td class="text"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of the notional amounts and the market values of the trading derivatives held by the Group in 2025, 2024 and 2023 is as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:36.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.976%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Notional amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Market<br/>value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Notional amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Market<br/>value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Notional amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Market<br/>value</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Trading derivatives</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate risk</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Forward rate agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,995,070&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(32)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,992,413&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">829,913&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest rate swaps</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,166,278&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,324&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,127,812&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,364&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,381,966&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,514&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Options, futures and other derivatives</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">470,659&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(472)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">377,285&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(297)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">398,519&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(51)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit risk</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit default swaps</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">64,924&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3,135)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">41,111&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(572)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,462&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(86)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Foreign currency risk</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Foreign currency purchases and sales</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">611,850&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,282&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">514,268&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">595&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">471,955&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Foreign currency options</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">160,421&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">441&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">221,159&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">528&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">77,934&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">288&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Currency swaps</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">682,350&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,526&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">625,765&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(838)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">586,405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(581)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Securities and commodities derivatives and other</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">98,588&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(547)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">78,328&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">554&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">68,664&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">619&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,250,140</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,387</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,978,141</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,347</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,837,818</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,739</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid 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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Non-current assets held for sale and liabilities associated with non-current assets held for sale (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfNoncurrentAssetsClassifiedAsHeldForSaleTableTextBlock', window );">Schedule of non-current assets</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Non-current assets held for sale in the consolidated balance sheets is as follows: </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">EUR million</span></div></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Tangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">2,850</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">2,851</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">2,991</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 6.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Foreclosed assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,487&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,621&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,773&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Of which property assets in Spain</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,705&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,896&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,138&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Other tangible assets held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">363&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">230&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">218&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Entities held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">72,148</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">1,137</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 7pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;&#160;&#160;&#160;&#160;&#160;Caceis (Note 3)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,137&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;&#160;&#160;&#160;&#160;&#160;Santander Bank Polska S.A. (Note 3) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">72,148&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Other assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">13</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">14</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">23</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total non-current assets held for sale</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">75,011</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">4,002</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">3,014</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Entities held for sale</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 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:105%">Santander Bank Polska S.A. (Note 2)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,995&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">Total Liabilities associated with non-current assets held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">62,995</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DiscontinuedOperationsConsolidatedBalanceSheetTableTextBlock', window );">Discontinued operations, consolidated balance sheet</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following is the consolidated balance sheet and consolidated summary cash flow statements for the Polish business held for sale:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:84.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Condensed consolidated balance sheet</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Cash, cash balances at central banks and other deposits on demand</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,515</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,956</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,173</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at amortised cost</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,642</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Intangible assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,335</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tax assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,224</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,303</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">Total assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-right:1pt solid #ffffff;border-top:0.5pt solid #ee2724;padding:2px 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:105%">72,148</span></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:99.782%"><tr><td style="width:1.0%"></td><td style="width:84.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Condensed consolidated balance sheet</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">842&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities at amortised cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">59,704&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">603&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tax liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,335&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">511&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">Total liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">62,995</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:84.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Other comprehensive income</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Items that will not be reclassified to profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Actuarial gains or losses on defined benefit pension plans</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Items that may be reclassified to profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(590)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedges of net investments in foreign operations (effective portion)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(522)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(164)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cash flow hedges (effective portion)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">98&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments at fair value with changes in other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Share in other income and expenses recognised in investments, joint ventures and associates</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10)</span></td><td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Condensed consolidated statements of cash flows</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">A) Cash flows from operating activities</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,405</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,705</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">352</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 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:105%">B) Cash flows from investing activities</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(98)</span></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(96)</span></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(91)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 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:105%">C) Cash flows from financing activities</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,301)</span></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,194)</span></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(591)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 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:105%">D) Effect of foreign exchange rate differences</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20</span></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27</span></td><td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">143</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">E) Net increase/(decrease) in cash and cash equivalents</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">26</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investments (Tables)<br></strong></div></th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory', window );">Summary of investments by company</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by company, of Investments 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:64.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.322%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Associated entities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,096</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,216</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,682</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Merlin Properties, SOCIMI, S.A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,830&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,803&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,621&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Zurich Santander Insurance<br/>America, S.L. - Consolidated</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">940&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">884&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">936&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Metrovacesa, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">748&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">841&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">899&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CNP Santander</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">399&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">397&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">423&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Pluxee Beneficios Brasil S.A. </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">295&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">309&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Caceis (Notes 3 and 12)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">884&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">982&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">664&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Joint Ventures entities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,956</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,061</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,964</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Santander Caceis Latam Holding 1, S.L. - Consolidated (previously Santander Securities Services Latam Holding, S.L)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">404&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">381&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">389&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Vida Seguros y Reaseguros, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">329&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">356&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">362&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">U.C.I., S.A. - Consolidated</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">293&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">325&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">349&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Fortune Auto Finance Co., Ltd</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">232&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">261&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">254&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hyundai Capital UK Limited</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">270&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">249&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">205&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Volvo Car Financial Services UK Limited</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">116&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">99&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco RCI Brasil S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">92&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">235&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">296&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">237&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Associated entities and Joint ventures</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,052</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,277</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,646</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Acquisition of 20% of Pluxee Beneficios Brasil S.A. and capital increase of Merlin Properties, SOCIMI, S.A., both carried out in 2024.</span></div><span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfGoodwillOfMainInvestmentsInJointVenturesAndAssociatesTableTextBlock', window );">Summary of goodwill of the main investments in joint ventures and associates</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Below is a breakdown of the Goodwill of the main investments in joint ventures and associates included in the balance of this heading:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:53.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.025%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Goodwill</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,096</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,238</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,460</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Zurich Santander Insurance America, S.L. - Consolidated</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">526&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">526&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">526&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Pluxee Beneficios Brasil S.A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">71&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">122&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Caceis (Notes 3 and 12)</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">337&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span>Acquisition of 20% of Pluxee Beneficios Brasil S.A. in 2024.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfChangesInASpecificInvestmentAccountedForUsingEquityMethodTableTextBlock', window );">Summary of changes in investments</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in the investments were 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:58.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.481%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,277&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,646&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,615&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Acquisitions (disposals) of companies and capital increases (reductions)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(17)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,011&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">52&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the consolidation method (Note 3)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">15&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(43)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Entities for sale (Notes 3 y 12)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(168)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,137)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Effect of equity accounting</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">665&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">687&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">591&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Dividends distributed and reimbursements of share premium</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(694)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(745)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(565)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Zurich Santander Insurance Am&#233;rica, S.L. - Consolidado</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(206)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(202)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(202)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Metrovacesa, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(118)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(52)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(50)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Santander Vida Seguros y Reaseguros, S.A.- Consolidated</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(87)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(82)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(52)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Merlin Properties, SOCIMI, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(57)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(53)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(51)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">CNP Santander</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(54)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(88)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(51)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">CIP S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(16)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(56)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Caceis</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(114)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Hyundai Capital UK Limited</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(58)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other global result</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other changes</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(54)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(140)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at end of year</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,052</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,277</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,646</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Includes the acquisition of 20% of Pluxee Beneficios Brasil S.A. and the capital increase of Merlin Properties, SOCIMI, S.A carried out in 2024.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt">Stakes of Santander Bank Polska S.A. and Caceis (Notes 3 and 12).</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfFinancialInformationOnMainAssociatesAndJointVenturesTableTextBlock', window );">Summary of financial information on the main associates and joint ventures</a></td>
<td class="text"><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%">A summary of the financial information at the end of December 2025 of the main associates and joint ventures (obtained from the information available at the date of preparation of the consolidated financial statements) is shown below:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:17.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.392%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.573%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="36" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Associates</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Joint ventures</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Merlin Properties, SOCIMI, S.A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:3.9pt;font-weight:700;line-height:105%;position:relative;top:-2.1pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Metrovacesa, S.A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:3.9pt;font-weight:700;line-height:105%;position:relative;top:-2.1pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Pluxee Beneficios Brasil S.A.</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Zurich Santander Insurance Am&#233;rica, S.L. - Consolidated</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">CNP Santander</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Santander Caceis Latam Holding, S.L. - Consolidated</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">U.C.I., S.A. - Consolidated</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Hyundai Capital UK Limited</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Fortune Auto Finance Co., LTD</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Santander Vida Seguros y Reaseguros, S.A.- Consolidated (note 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%">Banco RCI Brasil S.A.</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Current assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,701&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,025&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">689&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,434&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">165&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">201&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">397&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,022&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">167&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">157&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non current assets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">11,758&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">389&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">652&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">20,190&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">579&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8,876&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,665&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,933&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,710&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,221&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">13,459</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,414</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,341</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">22,624</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,304</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">780</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">9,273</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">5,687</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,100</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,867</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,231</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Current liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">840&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">507&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">254&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">657&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">186&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">315&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">6,930&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,685&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">140&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">112&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non current liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5,118&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">310&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">578&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">21,021&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,726&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">35&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,715&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,480&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,627&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,243&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,924&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">5,958</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">817</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">832</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">21,678</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,912</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">350</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">8,645</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">5,165</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,637</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,383</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,036</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Attributable profit for the period</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">284&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">87&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">534&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">97&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(75)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">77&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">145&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">54&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other accumulated comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(33)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">114&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(21)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Rest of equity</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">7,228&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,581&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">422&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">445&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">300&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">333&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">589&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">446&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">443&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">360&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">137&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total Equity</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">7,501</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,597</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">509</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">946</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">392</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">430</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">628</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">522</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">463</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">484</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">195</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total liabilities and equity</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">13,459</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,414</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,341</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">22,624</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,304</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">780</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">9,273</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">5,687</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,100</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,867</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,231</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Ordinary activities income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">544&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">658&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">457&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4,559&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">568&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">163&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">499&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">426&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">159&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">907&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">312&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Profit (loss) from continuing operations</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">284&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">87&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">534&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">97&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(75)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">77&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">145&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">54&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Profit (loss) for the year from discontinuing operations</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Data as of 31 December 2024, latest accounts available.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of investments accounted for using the equity method. [Refer: Investments accounted for using equity method]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular Disclosure Of Changes in a Specific Investment, Accounted For Using Equity Method.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular Summary Of Financial Information on Main Associates and Joint Ventures.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of Goodwill Of Main Investments In Joint Ventures And Associates</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of Significant Investments In Associates and Joint Ventures [Abstract]</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Insurance contracts linked to pensions (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsAbstract', window );"><strong>Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfAmountsArisingFromInsuranceContractsLinkedToPensionsTableTextBlock', window );">Schedule of insurance contracts linked to pensions</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Insurance contracts linked to pensions in the consolidated balance sheets 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:93.622%"><tr><td style="width:1.0%"></td><td style="width:52.518%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.360%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.360%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets relating to insurance contracts covering post-employment benefit plan obligations:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">67&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">67</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">81</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">93</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td style="white-space:nowrap;">ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsAbstract</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of amounts rising from insurance contracts linked to pensions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Liabilities under insurance contracts (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsAbstract', window );"><strong>Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfNetGrossAndReinsurersShareForAmountsArisingFromInsuranceContractsExplanatory', window );">Schedule of liabilities under insurance contracts and reinsurance assets in the consolidated balance sheets</a></td>
<td class="text"><div style="margin-bottom:9pt;margin-top:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Liabilities under insurance contracts and reinsurance assets in the consolidated balance sheets (see                              note&#160;2.i) is as follows:</span></div><div style="margin-bottom:9pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.162%"><tr><td style="width:1.0%"></td><td style="width:41.294%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.288%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.582%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.436%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities under insurance contracts</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,737</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,829</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,799</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Liability for Remaining Coverage (LRC)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,291&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,377&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,333&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Liabilities relating to insurance contracts measured under BBA/VFA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,194&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,292&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,262&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Current value of future cashflows (PVFCF)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">17,461&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,614&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,627&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Risk adjustment for non-financial risk (RA)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">186&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">199&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">211&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Contractual service margin (CSM)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">547&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">479&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">424&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Liabilities relating to insurance contracts measured under PAA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">97&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">85&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Liability for incurred claims (LIC)</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">446&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">452&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">466&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsAbstract</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of the net and gross amounts and the reinsurer's share for amounts arising from insurance contracts. [Refer: Types of insurance contracts [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Tangible assets (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentAbstract', window );"><strong>Property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfChangesInTangibleAssetsTableTextBlock', window );">Disclosure of changes in tangible assets in the consolidated balance sheets</a></td>
<td class="text"><div style="padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in Tangible assets in the consolidated balance sheets were as follows:</span></div><div style="margin-top: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:26.587%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.178%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.969%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.389%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.736%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.973%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Tangible assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Of which: <br/>For leasing</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">For&#160;own&#160;use</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Leased out&#160;under<br/>an&#160;operating<br/>lease</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Investment<br/>property</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">For&#160;own&#160;use</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Leased out&#160;under<br/>an&#160;operating<br/>lease</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Investment<br/>property</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Balance at 1 January 2023</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,570&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,166&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,580&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,316&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,692&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,692&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Additions / disposals (net) due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Additions / disposals (net)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,122&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">742&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(34)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,830&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">125</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">125&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfers, exchange differences and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,460)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(641)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,071)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 31 December 2023</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">26,243</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">25,304</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,576</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,123</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,837</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,837</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Additions / disposals (net) due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,192)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,164)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Additions / disposals (net)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">730&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,716)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(17)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,003)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">179</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">179&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfers, exchange differences and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,345)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,003&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(104)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(446)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(235)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(235)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 31 December 2024</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">25,656</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">23,399</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,455</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">50,510</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,781</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,781</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Additions / disposals (net) due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Additions / disposals (net)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">326&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,603)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(58)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,335)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(40)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(40)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfers, exchange differences and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,845)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,743)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">188&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,400)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(450)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(450)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 31 December 2025</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">24,141</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,053</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,592</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">44,786</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,291</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,291</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">Accumulated depreciation</span></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Balances at 1 January 2023</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12,892)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,578)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(172)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(18,642)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,265)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,265)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">284&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,540&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,824&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Charge for the&#160;year</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,689)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,700)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(580)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(580)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfers, exchange differences and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,653&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,744)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,107)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;Balance at 31 December 2023</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12,637)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5,782)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(199)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(18,618)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,609)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,609)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Disposals due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">686&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">686&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">672&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,214&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,886&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">196&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">196&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Charge for the&#160;year</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,544)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,553)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(460)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(460)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfers, exchange differences and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">890&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,902)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,966)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">59&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">59&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at 31 December 2024</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12,619)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,784)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(162)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(17,565)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,814)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,814)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Disposals due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">663&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,428&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,091&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Charge for the&#160;year</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,323)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,331)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(405)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(405)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfers, exchange differences and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,917)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(799)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">381&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">381&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 31 December 2025</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12,129)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,273)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(202)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(16,604)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,661)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,661)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"> Includes contract extensions on operating leases and repurchases.</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:27.913%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.736%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.380%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.389%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.620%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.736%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.825%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Tangible assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Of which: <br/>For leasing</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">For&#160;own&#160;use</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Leased out&#160;under<br/>an&#160;operating<br/>lease</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Investment<br/>property</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">For&#160;own&#160;use</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Leased out&#160;under<br/>an&#160;operating<br/>lease</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Investment<br/>property</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Impairment losses</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 1 January 2023</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(189)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(33)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(379)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(601)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment charge for the&#160;year</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(113)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(29)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(154)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Releases</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at 31 December 2023</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(198)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(421)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(623)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 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:105%">(45)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(45)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Impairment charge for the&#160;year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(276)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(70)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(81)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(427)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Releases</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 31 December 2024</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(401)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(39)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(418)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(858)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 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:105%">(49)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(49)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Impairment charge for the&#160;year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(172)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(79)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(266)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(41)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(41)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Releases</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals due to change in the scope of consolidation</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">166&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at 31 December 2025</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(349)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(27)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(368)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(744)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 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:105%">(74)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(74)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tangible assets, net</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balances at 31 December 2023</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,408&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,518&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">956&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,882&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,183&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,183&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Balances at 31 December 2024</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,636&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,576&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">875&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,087&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,918&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,918&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balances at 31 December 2025</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,663</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,753</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,022</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">27,438</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,556</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,556</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutPropertyPlantAndEquipmentExplanatory', window );">Disclosure of detailed information about property, plant and equipment</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by class of asset, of 'Property, plant and equipment' which is owned by the Group in the consolidated balance sheets is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:15pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:48.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.754%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Tangible assets for own use</span></div></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Of which: <br/>for leasing</span></td></tr><tr style="height:21pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Accumulated<br/>depreciation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Impairment<br/>losses</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Carrying<br/>amount</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Land and buildings</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,973&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,010)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(154)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,809&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,104&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">IT equipment and fixtures</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,614&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,154)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,460&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Furniture and vehicles</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,412&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,424)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,988&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Construction in progress and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">244&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(49)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(44)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">151&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 31 December 2023</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">26,243</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12,637)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(198)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,408</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,183</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Land and buildings</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,113&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,516)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(353)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,244&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,882&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">IT equipment and fixtures</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,283&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,926)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,357&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Furniture and vehicles</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,963&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,130)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,833&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Construction in progress and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">297&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(47)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(48)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">202&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 31 December 2024</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">25,656</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12,619)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(401)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,636</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,918</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Land and buildings</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,067&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,359)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(304)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,404&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,536&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">IT equipment and fixtures</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,204&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,003)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,191&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Furniture and vehicles</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,548&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,746)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,801&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Construction in progress and other items</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">322&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(34)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">267&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at 31 December 2025</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">24,141</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12,129)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(349)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,663</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,556</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsExplanatory', window );">Disclosure of maturity analysis of operating lease payments</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, the maturity analysis of the assets leased out under operating leases from Santander US Auto, 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:84.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Maturity Analysis</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,988&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2026</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,228&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2027</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,332&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2028</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">330&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of detailed information about property, plant and equipment. [Refer: Property, plant and equipment]</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of a maturity analysis of operating lease payments. Operating lease is a lease that does not transfer substantially all the risks and rewards incidental to ownership of an underlying asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 97<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_97&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 124<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_124&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 124<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_124&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The tabular disclosure of changes in tangible assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Intangible assets - Goodwill (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of goodwill, based on the cash-generating units giving rise thereto, 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:59.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.173%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Banco Santander (Brasil) </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,031&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,079&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,679&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">SAM Investment Holdings Limited</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,444&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,444&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,444&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Consumer Germany</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,304&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,304&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,304&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Portugal</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,040&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,040&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,040&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Espa&#241;a</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">998&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">998&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">998&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander US Auto</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">943&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,068&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,003&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Holding USA (ex. Auto)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">765&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">865&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">814&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander UK</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">609&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">641&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">612&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander - Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">470&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">482&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">516&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Grupo Financiero Santander (M&#233;xico)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">463&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">453&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">523&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ebury Partners</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">326&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">340&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">350&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Consumer Nordics</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">211&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">211&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">206&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Bank Polska</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,178&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,159&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">354&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">335&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">369&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Goodwill</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,958</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,438</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,017</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillExplanatory', window );">Schedule of goodwill and changes in goodwill</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in goodwill were 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.690%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.097%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,438&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,017&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,741&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Additions</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Ebury Partners</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfer to Assets held for sale (Notes 3 y 12)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,176)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(291)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(605)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">240&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at end of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,958</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,438</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,017</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesExplanatory', window );">Schedule of goodwill assumptions</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is a detail of the main assumptions taken into account in determining the recoverable amount, at 2025 year-end, of the most significant cash-generating units which were valued using the discounted cash flow method:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:51.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.754%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Projected period</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Discount rate</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Nominal<br/>perpetual<br/>growth&#160;rate</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Santander UK</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5 years</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.4</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander US Auto</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3 years</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.5</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.0%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Santander Holding USA (ex. Auto)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5 years</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.6</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.5%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Consumer Germany</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5 years</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.5</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">SAM Investment Holdings, Limited</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5 years</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.5</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Portugal</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5 years</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.6</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5%</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Post-tax discount rate.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Weighted information of the main assumptions of the segments to which goodwill has been allocated.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The discount and nominal perpetual growth rates taken into account in 2024 and 2023 are presented below for comparison purposes:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:51.492%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.755%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Discount rate</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Nominal<br/>perpetual<br/>growth&#160;rate</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Santander UK</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.8</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.9</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Bank Polska</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.9</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.2</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.0</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.0</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander US Auto</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.2</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.8</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.0</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.0</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Santander Holding USA (ex. Auto)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.4</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.4</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.5</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.5</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Consumer Germany</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.1</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.7</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.0</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">SAM Investment Holdings, Limited</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.6</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.6</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Portugal</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.2</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.2</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Post-tax discount rate.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Weighted information of the main assumptions of the segments to which goodwill has been allocated.</span></div><span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of information for cash-generating units. [Refer: Total for all cash-generating units [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 134<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_134&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 254<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_254&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 254<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_254&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesExplanatory</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>dtr-2022:textBlockItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of the reconciliation of changes in goodwill. [Refer: Goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2025-01-01<br> -Paragraph B67<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B67_d&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 37<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_37&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 37<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_37&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of Detailed Information About Goodwill</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Intangible assets - Other intangible assets (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutIntangibleAssetsExplanatory', window );">Disclosure of detailed information about intangible assets</a></td>
<td class="text"><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Intangible assets&#160;- Other intangible assets in the consolidated balance sheets and of the changes therein in 2025, 2024, and 2023 is as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:22.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.238%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Estimated<br/>useful&#160;life</span></td><td colspan="3" style="padding:2px 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:105%">1 January 2025</span></td><td colspan="3" style="padding:2px 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:105%">Net&#160;<br/>additions<br/>and<br/>disposals</span></td><td colspan="3" style="padding:2px 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:105%">Change&#160;in<br/>scope&#160;of<br/>consolidation</span></td><td colspan="3" style="padding:2px 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:105%">Amortization<br/>and<br/>impairment</span></td><td colspan="3" style="padding:2px 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:105%">Application&#160;of<br/>amortization<br/>and<br/>impairment</span></td><td colspan="3" style="padding:2px 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:105%">Exchange<br/>differences<br/>and&#160;other</span></td><td colspan="3" style="padding:2px 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:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,261&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,714&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,286)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,179)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,490&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Brand names</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">IT developments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3-10 years</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,322&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,713&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,286)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,084)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,658&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,907&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(95)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,800&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Accumulated amortisation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9,235)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,228&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">795&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9,047)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Development</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8,312)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,715)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,228&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">723&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8,070)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(923)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(132)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">72&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(977)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment losses</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(205)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(108)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">162&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(93)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which addition</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(108)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Of which Liberation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,821</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,714</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(8)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,955)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(222)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,350</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:22.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.386%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Estimated<br/>useful&#160;life</span></td><td colspan="3" style="padding:2px 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:105%">1 January 2024</span></td><td colspan="3" style="padding:2px 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:105%">Net&#160;<br/>additions<br/>and<br/>disposals</span></td><td colspan="3" style="padding:2px 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:105%">Change&#160;in<br/>scope&#160;of<br/>consolidation</span></td><td colspan="3" style="padding:2px 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:105%">Amortization<br/>and<br/>impairment</span></td><td colspan="3" style="padding:2px 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:105%">Application&#160;of<br/>amortization<br/>and<br/>impairment</span></td><td colspan="3" style="padding:2px 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:105%">Exchange<br/>differences<br/>and&#160;other</span></td><td colspan="3" style="padding:2px 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:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,773&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,104&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,169)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(439)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,261&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Brand names</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">IT developments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3-10 years</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,867&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,104&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,169)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(472)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,322&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,866&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,907&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Accumulated amortisation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8,851)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,626)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,062&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">174&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9,235)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Development</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8,078)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,546)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,062&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">244&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8,312)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(773)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(80)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(70)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(923)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment losses</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(68)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(227)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">107&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(17)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(205)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which addition</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(227)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Of which Liberation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,854</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,104</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,853)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(282)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,821</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.575%"><tr><td style="width:1.0%"></td><td style="width:22.674%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.369%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.261%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.369%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.449%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.152%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.746%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.815%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.265%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Estimated<br/>useful&#160;life</span></td><td colspan="3" style="padding:2px 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:105%">1 January 2023</span></td><td colspan="3" style="padding:2px 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:105%">Net&#160;<br/>additions<br/>and<br/>disposals</span></td><td colspan="3" style="padding:2px 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:105%">Change&#160;in<br/>scope&#160;of<br/>consolidation</span></td><td colspan="3" style="padding:2px 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:105%">Amortization<br/>and<br/>impairment</span></td><td colspan="3" style="padding:2px 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:105%">Application&#160;of<br/>amortization<br/>and<br/>impairment</span></td><td colspan="3" style="padding:2px 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:105%">Exchange<br/>differences<br/>and&#160;other</span></td><td colspan="3" style="padding:2px 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:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,502&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,197&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">176&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(230)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">128&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,773&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Brand names</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">IT developments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3-10 years</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,721&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,197&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(196)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">127&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,867&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,748&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(32)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,866&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Accumulated amortisation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,554)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,386)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(125)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8,851)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Development</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6,866)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,294)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(95)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8,078)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(688)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(92)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(30)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(773)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment losses</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(44)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(53)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(68)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:105%">Of which addition</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(53)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:105%">Of which Liberation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,904</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,197</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">181</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,439)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,854</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of detailed information about intangible assets. [Refer: Intangible assets other than goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 38<br> -IssueDate 2025-01-01<br> -Paragraph 118<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_118&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 263<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_263&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 263<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_263&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other assets (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MiscellaneousAssetsAbstract', window );"><strong>Miscellaneous assets [abstract]</strong></a></td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfOtherAssets1TableTextBlock', window );">Schedule of other assets</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of 'Other' of 'Other assets' 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:93.007%"><tr><td style="width:1.0%"></td><td style="width:57.509%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.800%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.145%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.146%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Transactions in transit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">364&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">469&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">246&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net pension plan assets (note&#160;25)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">784&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,001&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Prepayments and accrued income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,121&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,016&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,911&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,376&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,310&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,598&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,645</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,472</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,756</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Deposits from central banks and credit institutions (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfDepositsFromCentralBanksAndCreditInstitutionsTableTextBlock', window );">Schedule of deposits from central banks and credit institutions</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by classification, counterparty, type and currency, of 'Deposits from central banks' and 'Deposits from credit institutions' in the consolidated balance sheets 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:98.242%"><tr><td style="width:1.0%"></td><td style="width:53.758%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.947%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.947%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.948%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">CENTRAL BANKS</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Classification</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,385&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,300&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,808&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,086&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,774&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,542&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,882&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,782&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">34,013</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">39,956</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">57,799</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Type</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deposits on demand</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">856&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">405&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Time deposits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,709&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,488&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,853&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,448&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,063&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,829&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">34,013</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">39,956</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">57,799</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">CREDIT INSTITUTIONS</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Classification</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,058&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,284&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,862&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,424&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,625&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,735&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">74,692&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">90,012&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">81,246&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">103,174</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">117,921</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">100,843</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Type</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deposits on demand</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,005&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,657&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,468&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Time deposits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,718&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">54,716&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">54,402&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,186&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">56,273&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40,689&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Subordinated deposits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">265&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">275&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">284&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">103,174</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">117,921</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">100,843</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Currency</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Euro</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">54,588&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,779&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,921&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pound sterling</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,625&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,853&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,697&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US dollar</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,466&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57,992&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">49,447&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazilian real</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,783&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,459&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,997&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other currencies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,725&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,794&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,580&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">137,187</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">157,877</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">158,642</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deposits From Banks [Abstract]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The detail, by classification, counterparty, type and currency, of Deposits from central banks and Deposits from credit institutions in the consolidated balance sheets.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Customer deposits (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomersAbstract', window );"><strong>Deposits from customers [abstract]</strong></a></td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfCustomerDepositsTableTextBlock', window );">Schedule of customer deposits</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by classification, geographical area and type, of Customer deposits 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:49.517%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Classification</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,120&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,984&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,837&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,930&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,407&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,052&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities<br/>at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">979,150&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,011,545&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">995,280&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,041,200</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,055,936</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,047,169</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Geographical area</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">437,855&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">395,479&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">388,736&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of Europe</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">323,854&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">377,057&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">366,165&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">of which: United Kingdom</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">228,810&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">233,192&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">235,698&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of America</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">279,491&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">283,400&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">292,268&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">of which: United States </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82,321&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88,712&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">83,555&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of the world</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,041,200</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,055,936</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,047,169</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Type</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Demand deposits-</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">646,125&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">677,818&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">661,262&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Time deposits-</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">296,797&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">298,276&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">305,296&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deposits redeemable at notice</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,487&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,525&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,789&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Repurchase agreements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96,791&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">78,317&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">78,822&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,041,200</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,055,936</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid 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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Marketable debt securities (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MarketableDebtSecuritiesAbstract', window );"><strong>Marketable Debt Securities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfMarketableDebtSecuritiesTableTextBlock', window );">Schedule of marketable securities</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by classification and type, of Marketable debt securities is as follows:</span></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:49.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Classification</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities<br/>held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated<br/>at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,686&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,554&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,371&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities<br/>at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">312,704&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">317,967&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">303,208&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">324,390</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">325,521</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">308,579</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Type</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Bonds and debentures outstanding</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">253,893&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">252,765&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">231,880&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Subordinated</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,859&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,461&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,529&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Notes&#160;and other securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,638&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37,295&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,170&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">324,390</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">325,521</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">308,579</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAnalysisForNonderivativeFinancialLiabilities', window );">Disclosure of maturity analysis of debt instruments, book value and notional amounts</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The distribution of the book value of debt securities issued by contractual maturity at 31 December 2025 is shown below:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:25.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.198%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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:2px 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:105%">Within 3 months</span></td><td colspan="3" style="padding:2px 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:105%">3 to 12<br/>months</span></td><td colspan="3" style="padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">More&#160;than&#160;5<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Subordinated debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">798</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,760</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,277</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,859</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Senior unsecured debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,509</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,643</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,461</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,465</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,618</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">145,696</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Senior secured debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,529</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,308</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,661</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,106</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,593</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">108,197</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Promissory notes and other securities</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,747</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,060</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">335</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">170</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">326</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,638</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt securities issued</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">39,785</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">49,809</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">97,217</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">65,018</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">72,561</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">324,390</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The distribution by contractual maturity of the notional amounts of these debt securities issued at 31 December 2025 is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:25.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.198%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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:2px 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:105%">Within 3 months</span></td><td colspan="3" style="padding:2px 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:105%">3 to 12<br/>months</span></td><td colspan="3" style="padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">More&#160;than&#160;5<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Subordinated debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">790</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,744</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,255</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,926</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,715</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Senior unsecured debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,056</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,654</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50,189</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,089</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,469</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">143,457</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Senior secured debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,038</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,110</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,467</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,116</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,513</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">107,244</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Promissory notes and other securities</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,709</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,042</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">299</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">154</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">312</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,516</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt securities issued</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">38,803</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">48,596</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">95,699</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">64,614</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">72,220</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">319,932</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">The analysis of the maturities of lease liabilities at 31 December 2025, 2024 and 2023 is shown below:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Maturity Analysis - Discounted payments</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within 1 year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">466&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">526&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">586&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Between 1 and 3 years</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">619&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">868&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">918&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Between 3 and 5 years</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">315&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">480&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Later than 5 years</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">422&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">403&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">416&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total discounted payments at the end of the year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,822</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,202</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,400</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfDetailsByCurrencyOfIssueOfFinancialLiabilitiesOutstandingTableTextBlock', window );">Disclosure of bonds and debentures by currency</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by currency of issue, of  'Bonds and debentures outstanding' is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.606%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td><td colspan="6" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Currency of issue</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Outstanding issue amount in foreign currency (Million)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Annual<br/>interest rate (%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Euro</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117,350</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 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:105%">110,973</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 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:105%">101,657</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117,350</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.72%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">US dollar</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71,140</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">79,740</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">70,229</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">83,632</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.73%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Pound sterling</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,548</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">23,961</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">20,520</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,301</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.14%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Brazilian real</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,848</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">18,683</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">21,861</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">141,089</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.21%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Chilean peso</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,697</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">4,579</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">4,921</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,977,648</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.61%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other currencies</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,310</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">14,829</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">12,692</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at end of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">253,893</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">252,765</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">231,880</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfChangesInBondsAndDebenturesOutstandingTableTextBlock', window );">Disclosure of changes in bonds and debentures outstanding</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in 'Bonds and debentures outstanding' were 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:75.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.754%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">Balance at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">252,765</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">231,880</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">211,597</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Net inclusion of entities in the Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(1,224)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(1,467)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">SPIRE SA Compartment 2023-374</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(1,224)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Auto ABS UK Loans PLC</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(841)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">PSA Bank Deutschland GmbH</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(626)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">Issues</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">72,014</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">77,921</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">68,568</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander, S.A. </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">12,682&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">20,559&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">19,706&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander (Brasil) S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">11,827&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">8,039&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">12,781&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Group UK</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">11,450&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">9,884&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">6,002&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumer USA Holdings Inc.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">8,705&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">8,949&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">7,309&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander International Products, Plc.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">5,071&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">2,752&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,054&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Stellantis Financial Services Italia S.p.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">2,020&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">2,021&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">761&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumer Bank S.p.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,799&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,001&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,460&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Holdings USA, Inc.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,772&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">3,004&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,850&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Fondo de Titulizaci&#243;n, Santander Consumo 8</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,523&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Fondo de Titulizaci&#243;n, Santander Consumo 9</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,421&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander - Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,204&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,171&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">814&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Consumer Finance, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,181&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">2,271&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">2,557&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander Totta, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,069&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,129&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,734&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Bank, National Association</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">853&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">4,133&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,346&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">SC Germany S.A., Compartment Consumer 2025-2</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">850&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">SC Austria S.&#224; r.l., Compartment Consumer 2025-1</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">803&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Secucor Finance 2025-1 Designated Activity Company</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">801&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">787&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">875&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">634&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Hyundai Capital Bank Europe GmbH Italy</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">749&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banque Stellantis France</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">728&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">897&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,145&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumer Bank AG</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">180&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,256&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">SC Germany S.A., Compartment Consumer 2024-1</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,500&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumo 6, F.T.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,230&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumo 7, F.T.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,218&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Bank Polska S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,002&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,102&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">SC Germany S.A., Compartment Consumer 2024-2</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">1,000&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">Redemptions and repurchases</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">(60,335)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">(57,676)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">(48,825)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(14,854)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(15,888)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(7,889)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander (Brasil) S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(9,430)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(6,919)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(10,542)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumer USA Holdings Inc.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(7,905)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(10,806)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(14,466)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Group UK</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(4,936)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(7,764)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(6,185)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumer Finance, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(2,743)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(2,900)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(1,800)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Holdings USA, Inc.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(2,693)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(1,387)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Bank, National Association</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(2,648)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(1,440)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(567)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(2,084)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(122)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(140)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander - Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(1,930)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(1,486)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(575)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander International Products, Plc.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(1,327)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(584)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(728)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumer Bank S.p.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(1,327)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(233)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Santander Consumer Bank AS</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(1,174)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(839)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(681)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banque Stellantis France</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(746)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(565)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(813)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Stellantis Financial Services Italia S.p.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(698)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(22)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">Banco Santander Totta, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(223)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(1,055)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%">(108)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Exchange differences and other movements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">(10,551)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">1,864&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">2,007&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">Balance at&#160;year-end</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">253,893</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">252,765</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">231,880</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfFinancialLiabilitiesSecuredByFinancialAssetsTableTextBlock', window );">Disclosure of information on liabilities secured by financial assets</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Set forth below is information on the liabilities secured by assets:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:51.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.643%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Asset-backed securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,031&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49,723&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37,717&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which, mortgage-backed securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5,961&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,377&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,019&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other mortgage securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,438&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50,141&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49,478&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which: mortgage-backed bonds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22,624&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,631&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24,619&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Covered bonds (non mortgage and export financing)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,728&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">995&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">764&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">108,197</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">100,859</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">87,959</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAnalysisForNonderivativeFinancialLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of a maturity analysis for non-derivative financial liabilities (including issued financial guarantee contracts) that shows the remaining contractual maturities. [Refer: Derivative financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 72<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_72_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 39<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_39_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 72<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_72_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAnalysisForNonderivativeFinancialLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfChangesInBondsAndDebenturesOutstandingTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of Changes In Bonds And Debentures Outstanding</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfChangesInBondsAndDebenturesOutstandingTableTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure detail by currency of issue of financial liabilities outstanding.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfDetailsByCurrencyOfIssueOfFinancialLiabilitiesOutstandingTableTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfFinancialLiabilitiesSecuredByFinancialAssetsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of financial liabilities secured by financial assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfFinancialLiabilitiesSecuredByFinancialAssetsTableTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>N/A.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MarketableDebtSecuritiesAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The detail, by classification and type, of Marketable debt securities .</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ScheduleOfMarketableDebtSecuritiesTableTextBlock</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Subordinated liabilities (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilitiesAbstract', window );"><strong>Subordinated liabilities [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfSubordinatedLiabilitiesDetailsTableTextBlock', window );">Schedule of subordinated liabilities detail, by currency of issue</a></td>
<td class="text"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by currency of issue, of Subordinated liabilities, deposits and marketable debt securities,  in the consolidated balance sheets is as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:42.307%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.496%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td><td colspan="6" style="padding:2px 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:105%">2025</span></td></tr><tr style="height:16pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Outstanding issue amount in foreign currency (million)</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Annual interest rate (%)</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 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:105%">Currency of issue</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Euro</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,402</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 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:105%">14,999</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 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:105%">13,684</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,402</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.55%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">US dollar</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,750</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">13,425</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">11,300</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,462</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.53%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Brazilian real</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,354</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">3,600</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">2,518</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,117</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.30%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Pound sterling</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,347</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">1,409</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">1,353</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,176</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.28%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other currencies</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,434</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">2,380</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">2,057</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7.75pt 0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7.75pt 0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">29,287</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">35,813</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">30,912</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfReconciliationOfSubordinatedLiabilitiesTableTextBlock', window );">Schedule of changes in subordinated liabilities</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The movement in the balance of subordinated liabilities in the last three&#160;years were 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:58.776%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.173%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at beginning of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,813&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,912&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,926&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net inclusion of entities in the Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(40)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Issuances</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,287&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,001&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,007&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,862&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,625&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,610&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander (Brasil) S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">375&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,338&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,112&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banque Stellantis France</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Redemptions and repurchases</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,110)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,572)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,781)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(6,754)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,433)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,000)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Santander UK Group Holdings plc</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(352)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Santander Bank Polska S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(100)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Santander UK plc</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(702)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banque Stellantis France</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(78)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other movements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,703)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">472&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(200)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">29,287</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">35,813</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,912</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:22pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">The balance rel</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">ating to issuances, r</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">edemptions and repurchases (EUR 4,823 million), together with the interest paid in remuneration of these issuances including PPCC (EUR 1,560 million), is included in the cash flow from financing activities.</span></div><span></span>
</td>
</tr>
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<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SubordinatedLiabilitiesAbstract</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ScheduleOfReconciliationOfSubordinatedLiabilitiesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the changes in subordinated liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ScheduleOfReconciliationOfSubordinatedLiabilitiesTableTextBlock</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of information pertaining to subordinated liabilities including issue by currency, outstanding amount and interest rate.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ScheduleOfSubordinatedLiabilitiesDetailsTableTextBlock</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other financial liabilities (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesAbstract', window );"><strong>Disclosure of financial liabilities [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfOtherFinancialLiabilitiesTableTextBlock', window );">Schedule of other financial liabilities</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Other financial liabilities in the consolidated balance sheets 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:57.850%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.482%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Trade payables</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,452&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,452&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,783&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Clearing houses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">794&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">776&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,269&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Tax collection accounts:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Public Institutions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6,271&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6,156&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,986&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Factoring accounts payable</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">274&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">226&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">272&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Unsettled financial transactions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,860&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,421&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,412&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Lease liabilities (note 2.k)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,822&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,202&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,400&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other financial liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,645&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,683&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23,065&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">36,118</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">39,916</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">40,187</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAnalysisForNonderivativeFinancialLiabilities', window );">Disclosure of maturity analysis for non-derivative financial liabilities</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The distribution of the book value of debt securities issued by contractual maturity at 31 December 2025 is shown below:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:25.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.198%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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:2px 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:105%">Within 3 months</span></td><td colspan="3" style="padding:2px 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:105%">3 to 12<br/>months</span></td><td colspan="3" style="padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">More&#160;than&#160;5<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Subordinated debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">798</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,760</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,277</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,859</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Senior unsecured debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,509</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,643</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,461</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,465</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,618</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">145,696</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Senior secured debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,529</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,308</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,661</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,106</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,593</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">108,197</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Promissory notes and other securities</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,747</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,060</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">335</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">170</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">326</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,638</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt securities issued</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">39,785</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">49,809</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">97,217</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">65,018</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">72,561</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">324,390</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The distribution by contractual maturity of the notional amounts of these debt securities issued at 31 December 2025 is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:25.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.198%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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:2px 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:105%">Within 3 months</span></td><td colspan="3" style="padding:2px 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:105%">3 to 12<br/>months</span></td><td colspan="3" style="padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">More&#160;than&#160;5<br/>years</span></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Subordinated debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">790</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,744</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,255</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,926</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,715</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Senior unsecured debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,056</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,654</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50,189</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,089</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,469</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">143,457</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Senior secured debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,038</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,110</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,467</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,116</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,513</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">107,244</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Promissory notes and other securities</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,709</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,042</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">299</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">154</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">312</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,516</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt securities issued</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">38,803</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">48,596</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">95,699</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">64,614</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">72,220</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">319,932</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">The analysis of the maturities of lease liabilities at 31 December 2025, 2024 and 2023 is shown below:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Maturity Analysis - Discounted payments</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within 1 year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">466&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">526&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">586&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Between 1 and 3 years</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">619&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">868&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">918&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Between 3 and 5 years</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">315&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">480&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Later than 5 years</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">422&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">403&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">416&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total discounted payments at the end of the year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,822</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,202</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of a maturity analysis for non-derivative financial liabilities (including issued financial guarantee contracts) that shows the remaining contractual maturities. [Refer: Derivative financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 72<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_72_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 39<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_39_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 72<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_72_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of other financial liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Provisions (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProvisionsAbstract', window );"><strong>Provisions [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfReconciliationOfProvisionsTableTextBlock', window );">Schedule of details of provisions</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Provisions in the consolidated balance sheets is as follows:</span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:47.974%"></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:15.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.876%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Provision for pensions and other obligations post-employments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,656&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,731&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,225&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other long term employee benefits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">993&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">915&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">880&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for taxes and other legal contingencies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,989&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,717&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,715&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Contingent liabilities and commitments (note 2.o)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">713&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">710&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">702&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,004&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,334&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,919&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,355</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,407</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,441</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfProvisionRollForwardTableTextBlock', window );">Schedule of changes in provision</a></td>
<td class="text"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in 'Provisions' in the last three years were as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:42.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.307%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.492%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Post employment plans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Long term employee benefits</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Contingent liabilities and commitments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other provisions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balances at beginning of year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,731</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">915</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">710</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,051</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,407</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Incorporation of Group companies, net</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Additions charged to income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">75&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">437&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,872&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,434&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest expense (note 39)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">59&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">91&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Staff costs (note 46)</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Provisions or reversion of provisions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">396&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,872&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,302&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13.75pt;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:105%">Addition</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">424&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">591&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,036&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,057&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13.75pt;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:105%">Release</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(22)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(28)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(541)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,164)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,755)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other additions arising from insurance contracts linked to pensions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in value recognised in equity</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">220&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">220&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Payments to pensioners and pre-retirees with a charge to internal provisions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(107)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(358)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(465)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid due to settlements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Insurance premiums paid</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Payments to external funds</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(329)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(329)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Amounts used</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,914)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,914)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Transfer, exchange differences and other changes</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">115&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(47)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balances at end of&#160;year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,656</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">993</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">713</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,993</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,355</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:18.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.381%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.392%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.239%"></td><td style="width:0.1%"></td></tr><tr><td colspan="36" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Post employment plans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Long term employee benefits</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Contingent liabilities and commitments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Other provisions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Post employment plans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Long term employee benefits</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Contingent liabilities and commitments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Other provisions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balances at beginning of year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,225</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">880</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">702</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">4,634</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">8,441</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,392</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">950</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">734</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">4,073</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">8,149</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Incorporation of Group companies, net</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Additions charged to income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">94&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">368&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,703&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,212&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">92&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">244&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,895&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,193&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest expense (note 39)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">76&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">105&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">59&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">93&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Staff costs (note 46)</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">42&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Provisions or reversion of provisions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">328&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,703&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,062&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">201&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,895&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,058&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Addition</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">335&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">430&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">4,026&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">4,796&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">204&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">378&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">3,407&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">3,992&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Release</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">(21)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">(7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">(383)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">(1,323)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">(1,734)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">(416)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">(1,512)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">(1,934)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other additions arising from insurance contracts linked to pensions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Changes in value recognised in equity</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">643&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">643&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">944&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">944&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Payments to pensioners and pre-retirees with a charge to internal provisions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(153)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(331)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(484)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(182)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(316)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(498)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Insurance premiums paid</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Payments to external funds</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(708)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(708)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(750)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(750)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Amounts used</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2,178)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2,178)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1,825)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1,826)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Transfer, exchange differences and other changes</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(368)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(39)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(108)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(517)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(267)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">491&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">233&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balances at end of&#160;year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,731</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">915</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">710</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">5,051</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">8,407</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,225</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">880</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">702</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">4,634</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">8,441</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfProvisionForPensionsAndSimilarObligationsTableTextBlock', window );">Schedule of provision for pensions and similar obligations</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Provisions for pensions and similar obligations is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:54.764%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.408%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Provisions for post-employment plans - Spanish entities</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">602</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">674</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">770</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for other similar obligations - Spanish entities</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">927</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">852</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">817</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which pre-retirements</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">916</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">839</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 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:105%">805</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for post-employment plans - United Kingdom</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for post-employment plans - Other subsidiaries</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,028</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,029</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,379</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for other similar obligations - Other subsidiaries</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">66</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Provision for pensions and other obligations post -employments and Other long term employee benefits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,649</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,646</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,105</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;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:105%">Of which defined benefits</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,637</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 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:105%">2,638</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 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:105%">3,097</span></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfActuarialAssumptionsUsedToCalculateDefinedBenefitObligationsTableTextBlock', window );">Schedule of actuarial assumptions used to calculate defined benefit obligations</a></td>
<td class="text">Specifically, the most significant actuarial assumptions used in the calculations were as follows:<div style="margin-bottom:3pt;padding-left:18pt;text-indent:-18pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:22.307%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.307%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.344%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.682%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Post-employment&#160;plans</span></td><td colspan="3" style="padding:0 6.62pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other&#160;similar&#160;obligations</span></td></tr><tr><td colspan="3" style="padding:0 1pt 0 12.25pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Annual discount rate</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.75</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.35</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.75</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.35</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Mortality tables</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">PER2020 M/F Col. Orden 1</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">PER2020 M/F Col. Orden 1</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">PER2020 M/F Col. Orden 1</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">PER2020 M/F Col. Orden 1</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">PER2020 M/F Col. Orden 1</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">PER2020 M/F Col. Orden 1</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cumulative annual CPI growth</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.00</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Annual salary increase rate</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.25%</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.25%</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.25%</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Annual social security pension increase rate</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.12</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.12</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.12</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Annual benefit increase rate</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span>Corresponds to the group&#8217;s defined-benefit obligationsSpecifically, the most significant actuarial assumptions used in the calculations were as follows:<div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:20.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:33.776%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.813%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.815%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Annual discount rate</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.58%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.54%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.63%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Mortality tables</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">''S4 Light' tables weighted 105% males/101% females and CMI_2024 projection [LTR=1.25%, A=0.25%, H=1] with both Age-Period and Cohort convergence periods equal to core values except increased to 20 years for ages 80 to 100 and then tapering down to nil by age 120</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">The S3 Middle tables weighted at 84% of the CMI_2023 projection with an initial addition of 0.25%, smoothing parameter 7 and improving 1.25%.</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">The S3 Middle tables weighted at 84% of the CMI_2022 projection with an initial addition of 0.25%, smoothing parameter 7 and improving 1.25%.</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cumulative annual CPI growth</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.9%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.11%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.02%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Annual salary increase rate</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.00%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.00%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.00%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Annual pension increase rate</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.78%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.04%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.96%</span></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfExpectedRateOfReturnAssumptionsTableTextBlock', window );">Disclosure of expected rate of return assumptions</a></td>
<td class="text"><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The fair value of insurance contracts was determined as the present value of the related payment obligations, taking into account the following assumptions:</span></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:50.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.985%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.757%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"></td><td colspan="9" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Post-employment&#160;plans</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"></td><td colspan="9" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other&#160;similar&#160;obligations</span></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Expected rate of return on plan assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.75</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.35</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.75</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.35</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Expected rate of return on reimbursement rights</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.75</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.00</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.35</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">N/A</span></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetExplanatory', window );">Schedule of funding status of the defined benefit obligations</a></td>
<td class="text"><div style="margin-bottom:9pt;margin-top:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The funding status of the defined benefit obligations in 2025 and the two preceding&#160;years is as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:51.492%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.985%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.756%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"></td><td colspan="9" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Post-employment&#160;plans</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"></td><td colspan="9" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other&#160;similar&#160;obligations</span></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To current employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Vested obligations to retired employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,610&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,850&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,936&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To pre-retirees employees</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">919&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">844&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">812&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Long-service bonuses and other benefits</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,644</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,899</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,987</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">930</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">857</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">824</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Less - Fair value of plan assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,058&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,234&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,235&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions - Provisions for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">586</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">665</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">752</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">927</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">852</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">817</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Internal provisions for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">535&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">593&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">927&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">852&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">817&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Net pension assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(13)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(14)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Insurance contracts linked to pensions (note 14)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">67&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">81&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">93&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Unrecognised net assets for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(3)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">The funding status of the defined benefit obligations in 2025 and the two preceding&#160;years 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,164&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,898&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,451&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Less-</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Fair value of plan assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,740&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,400&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,208&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions&#160;- Provisions for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(576)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(502)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(757)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Internal provisions for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">25&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">76&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Net assets for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(601)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(530)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(833)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The funding status of the obligations similar to post-employment benefits and other long-term benefits in 2025 and the two preceding&#160;years is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt"><span><br/></span></div><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:56.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.976%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">Of which business in Brazil</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,886&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,569&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,903&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,485&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Less-</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:400;line-height:105%">Of which: with a charge to the participants</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">152&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">152&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">157&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">114&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Fair value of plan assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,284&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,730&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,502&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,787&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions - Provisions for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">450</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(313)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">244</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">584</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Internal provisions for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,083&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">210&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,084&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,434&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Net assets for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(170)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(60)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(141)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(154)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Unrecognised net assets for pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(463)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(463)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(699)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(696)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfDefinedBenefitObligationExpensesRecognizedInIncomeStatementsTableTextBlock', window );">Schedule of defined benefit obligation expenses recognized in the consolidated income statements</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The amounts recognised in the consolidated income statements in relation to the aforementioned defined benefit obligations are as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"></td><td style="width:50.460%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.775%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.775%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.775%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.988%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.775%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.775%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.777%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Post-employment&#160;plans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other&#160;similar&#160;obligations</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Current service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest cost (net)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Expected return on insurance contracts linked to pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions or reversion of provisions</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Actuarial (gains)/losses recognised in the&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(19)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Past service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Pre-retirement cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">389&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">303&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(16)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">41</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">398</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">325</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">210</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Including reduction/settlement effect</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:130%">The amounts recognised in the consolidated income statements in relation to the aforementioned defined benefit obligations are 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:61.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.248%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Current service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest cost (net)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(40)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(62)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions or reversal of provisions, net</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cost of services provided</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Others</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(22)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(27)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(48)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">The amounts recognised in the consolidated income statements in relation to these obligations are 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:61.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.248%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="9" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Current service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest cost (net)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">92&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">83&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions or reversion of provisions</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(Actuarial gains)/losses recognised in the year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Past service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Pre-retirement cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">120</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">140</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">129</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDefinedBenefitPlansExplanatory', window );">Schedule of status and changes of the defined benefit obligations</a></td>
<td class="text"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in the present value of the accrued defined benefit obligations were as follows:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:38.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.832%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Post-employment&#160;plans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other&#160;similar&#160;obligations</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,899&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,987&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,076&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">857&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">824&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">903&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Incorporation of Group companies, net</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Current service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">67&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pre-retirement cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">389&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">303&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Effect of curtailment/settlement</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(179)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(203)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(210)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(325)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(292)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(290)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid due to settlements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Past service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Actuarial (gains)/losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(102)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(19)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Demographic actuarial (gains)/losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(14)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(8)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Financial actuarial (gains)/losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(88)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(11)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations at end of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,644</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,899</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,987</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">930</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">857</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">824</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;margin-top:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in the present value of the accrued defined benefit obligations were as follows:</span></div><div style="margin-bottom:9pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:61.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.248%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,898&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,451&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,982&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net incorporation of companies into the Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(28)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Current service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">465&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">438&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">436&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(469)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(465)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(428)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid by settlements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Contributions made by employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Past service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Actuarial (gains)/losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(304)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(965)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">281&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Demographic actuarial (gains)/losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(91)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(133)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(59)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Financial actuarial (gains)/losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(213)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(832)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">340&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(438)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">419&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">197&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,164</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,451</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">The changes in the present value of the accrued obligations were 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:58.776%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.173%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations at beginning of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,903&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,485&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,578&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Incorporation of Group companies, net</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Current service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">552&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">578&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">599&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pre-retirement cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Effect of curtailment/settlement</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(726)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,113)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(730)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid due to settlements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(133)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Contributions made by employees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Past service cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Actuarial (gains)/losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">270&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(191)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">697&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Demographic actuarial (gains)/losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">300&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Financial actuarial (gains)/losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(30)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(190)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">657&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(860)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">336&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present value of the obligations<br/>at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,886</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,903</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,485</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueOfPlanAssetsExplanatory', window );">Schedule of changes in fair value of plan assets</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in the fair value of plan assets and of insurance contracts linked to pensions were as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:33.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.720%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Plan Assets</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="21" style="border-top:1pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Post-employment&#160;plans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other similar obligations</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value of plan assets at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,234&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,235&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">861&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Incorporation of Group companies, net</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Expected return on plan assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains/(losses) on settlements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(144)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(124)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(89)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Contributions/(surrenders)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">409&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Actuarial gains/(losses)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(64)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value of plan assets at end of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,058</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,234</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,235</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in the fair value of the plan assets were 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:61.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.247%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value of plan assets at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,400&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,208&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,152&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net incorporation of companies into the Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(41)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Expected return on plan assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">496&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">478&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">498&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(469)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(465)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(434)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Contributions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">203&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">182&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">225&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Actuarial gains/(losses)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(421)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,440)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(406)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(469)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">437&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">214&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value of plan assets at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,740</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,400</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,208</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">The changes in the fair value of the plan assets were 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:61.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.248%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="background-color:#ebebeb;padding:0 1pt"></td><td colspan="3" style="background-color:#ebebeb;padding:2px 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:105%">2025</span></td><td colspan="3" style="background-color:#ebebeb;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ebebeb;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value of plan assets at beginning of&#160;year</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,502&#160;</span></td><td style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,787&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,321&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Incorporation of Group companies, net</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Expected return on plan assets</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">556&#160;</span></td><td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">551&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">588&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(752)</span></td><td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,022)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(644)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Contributions</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">134&#160;</span></td><td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">477&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">124&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Actuarial gains/(losses)</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(201)</span></td><td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(304)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">110&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Settlements gains/(losses)</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46&#160;</span></td><td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(987)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">304&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value of plan assets at end of&#160;year</span></td><td colspan="2" style="background-color:#ebebeb;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,284</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ebebeb;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,502</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,787</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfInsuranceContractsLinkedToPensionsTableTextBlock', window );">Schedule of insurance contracts linked to pensions</a></td>
<td class="text"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:33.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.720%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Insurance Contracts linked to pensions</span></td></tr><tr><td colspan="24" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="2" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Post-employment&#160;plans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other similar obligations</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value of insurance contracts linked to pensions at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">104&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Incorporation of Group companies, net</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Expected return on insurance contracts linked to pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Benefits paid</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Paid premiums</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Actuarial gains/(losses)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value of insurance contracts linked to pensions at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">67</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">81</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">93</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfBenefitsMaturityScheduleTableTextBlock', window );">Schedule of maturity of estimated benefits payments</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table shows the estimated benefits payable at 31 December 2025 for the next ten&#160;years:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:86.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.246%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2026</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">461</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2027</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">391</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2028</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">331</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2029</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">274</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2030</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">223</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2031 to 2035</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">672</span></td></tr></table></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:130%">The following table shows the estimated benefits payable at 31 December 2025 for the next ten&#160;years:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:86.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.246%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2026</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">576&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2027</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">485&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2028</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">503&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2029</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">527&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2030</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">545&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2031 to 2035</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,801&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table shows the estimated benefits payable at 31 December 2025 for the next ten&#160;years:</span></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:86.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.246%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2026</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">746&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2027</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">736&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2028</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">740&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2029</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">744&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2030</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">747&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2031 to 2035</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,790&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfMainCategoriesOfDefinedBenefitPlanAssetsTableTextBlock', window );">Schedule of main categories of plan assets</a></td>
<td class="text"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The main categories of plan assets as a&#160;percentage of total plan assets are 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:60.628%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.247%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">67</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">66</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Properties</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The main categories of plan assets as a&#160;percentage of total plan assets are 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:53.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.025%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">79</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">79%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">83%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Properties</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5%</span></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory', window );">Schedule of other provisions by geographical area and by type of provision</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by geographical area, of Provisions for taxes and other legal contingencies and Other provisions 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:61.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.248%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Recognised by Spanish companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,033&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,924&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,921&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Recognised by other EU companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">310&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">694&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">433&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Recognised by other companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,650&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,433&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,280&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Brazil</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,530&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,445&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,618&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">United Kingdom </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">736</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">654&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">373&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt 0 12.25pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,993</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,051</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,634</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Of which GBP 461&#160;million (EUR 528.1&#160;million) correspond to the Financial Conduct Authority (FCA) review of the Vehicle Finance Market as detailed in note 25.e.ii.</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:130%">The types of provision 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:61.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.248%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Provisions for taxes</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">720&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">727&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">745&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for employment-related proceedings (Brazil)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">594&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">458&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">611&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for other legal proceedings</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,675&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">826&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,001&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">454&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of defined benefit plans. [Refer: Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 138<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_138&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 204<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_204&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 204<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_204&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of the fair value of defined benefit plan assets. [Refer: Plan assets [member]; Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 142<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_142&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 208<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_208&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 208<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_208&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of a net defined benefit liability (asset). [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 140<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_140_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 206<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_206_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 206<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_206_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for other provisions, contingent liabilities and contingent assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 37<br> -IssueDate 2025-01-01<br> -Section Disclosure<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2025-en-r&amp;doctype=Standard&amp;dita_xref=IAS37_g84-92_TI<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of actuarial assumptions used to calculate defined benefit obligations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Schedule of maturity of estimated benefits payments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfDefinedBenefitObligationExpensesRecognizedInIncomeStatementsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of defined benefit obligation expenses recognized in the consolidated income statements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfDefinedBenefitObligationExpensesRecognizedInIncomeStatementsTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfExpectedRateOfReturnAssumptionsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of expected rate of return assumptions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfExpectedRateOfReturnAssumptionsTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfInsuranceContractsLinkedToPensionsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of insurance contracts linked to pensions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfInsuranceContractsLinkedToPensionsTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfMainCategoriesOfDefinedBenefitPlanAssetsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of main categories of plan assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfMainCategoriesOfDefinedBenefitPlanAssetsTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfProvisionForPensionsAndSimilarObligationsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of Provision for pensions and similar obligations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfProvisionForPensionsAndSimilarObligationsTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfProvisionRollForwardTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of provision rollforward.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfProvisionRollForwardTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfReconciliationOfProvisionsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of Reconciliation Of Provisions</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfReconciliationOfProvisionsTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>171
<FILENAME>R89.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other liabilities (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MiscellaneousLiabilitiesAbstract', window );"><strong>Miscellaneous liabilities [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfOtherLiabilitiesTableTextBlock', window );">Schedule of other liabilities</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Other liabilities in the consolidated balance sheets 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:59.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.173%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Transactions in transit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">707&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">910&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">767&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Accrued expenses and deferred income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,018&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,003&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,136&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,212&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,431&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,695&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,937</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,344</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,598</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MiscellaneousLiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MiscellaneousLiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ScheduleOfOtherLiabilitiesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular information related to other liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ScheduleOfOtherLiabilitiesTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>172
<FILENAME>R90.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Tax matters (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MajorComponentsOfTaxExpenseIncomeAbstract', window );"><strong>Major components of tax expense (income) [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfEffectiveIncomeTaxRateReconciliation1TableTextBlock', window );">Schedule of reconciliation of income tax expense</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The reconciliation of the income tax expense calculated at the tax rate applicable in Spain (30%) to the income tax expense recognised and the detail of the effective tax rate are as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:51.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.643%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit (loss) before tax:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">From continuing operations</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,681</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,347&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,005&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">From discontinued operations</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,950</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,680&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,454&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,631</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,027&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,459&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Income tax at tax rate applicable in Spain (30%)</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,189</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,708&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,938&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">By the effect of application of the various tax rates applicable in each country</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(103)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">115&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(100)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 29.34pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Brazil</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">264</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">413&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">198&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">United Kingdom</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(42)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(53)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(51)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">United States</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(60)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(25)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(28)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Chile</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(36)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(33)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(28)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Poland</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(224)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(183)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(164)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Effect of profit or loss of associates and joint ventures</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(207)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(213)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(184)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">USA electric vehicle leasing incentives</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(203)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(258)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(259)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Global minimum tax Pillar Two</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Effect of reassessment of deferred taxes</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(101)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Permanent differences<br/>and other </span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(450)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(151)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(119)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Income tax</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 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:105%">5,131</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,283</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,276</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Effective tax rate</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24.87%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27.77</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25.98</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 29.34pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Continuing operations</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,723</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,844&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,880&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Discontinued operations</span></div><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(Note 37)</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">408</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">439&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">396&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Current taxes</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5,666</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,855&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Deferred taxes</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(535)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">428&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,292)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Income tax (receipts)/payments</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,954</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,880&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,214&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Calculated by applying the difference between the tax rate applicable in Spain and the tax rate applicable in each jurisdiction to the profit or loss contributed to the Group by the entities which operate in each jurisdiction.</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfIncomeTaxComponentsOfOtherComprehensiveIncomeTableTextBlock', window );">Schedule of tax recognized in equity</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition to the income tax recognised in the consolidated income statement, the Group recognised the following amounts in consolidated equity in 2025, 2024 and 2023:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:57.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.791%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other comprehensive income</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Items not reclassified to profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">115</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">85</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">358</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Actuarial gains or (-) losses on defined benefit pension plans</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">172&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">302&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities at fair value with changes in results attributable to changes in credit risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(83)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Items that may be reclassified to profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(440)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">54</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(919)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(207)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(205)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(732)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of debt instruments through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(204)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">261&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(214)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging instruments (items not designated)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:105%">3&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Non-current assets held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32)</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other recognised income and expense of investments in subsidiaries, joint ventures and associates</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(325)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">139</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(561)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsExplanatory', window );">Schedule of deferred tax assets and liabilities</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of deferred tax assets, by classification as monetizable or non-monetizable assets, and of deferred tax liabilities at 31 December 2025, 2024 and 2023 is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.468%"><tr><td style="width:1.0%"></td><td style="width:27.887%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.783%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.176%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.783%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.176%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.783%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.180%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Monetizable</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Monetizable</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Monetizable</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Tax assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,725</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,219</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 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:105%">10,309</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,861</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 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:105%">11,099</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,668</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Tax losses and tax credits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,354&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,367&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,393&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Temporary differences</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,725&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,865&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,309&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,494&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,099&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,275&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 5.5pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Non-deductible provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,970&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,784&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,965&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Valuation of financial instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">810&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,486&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,543&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Loan losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,471&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,341&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,880&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,103&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,248&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,577&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Pensions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,254&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">426&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,429&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">423&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,851&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">665&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Valuation of tangible and intangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">832&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">885&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,060&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Tax liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,904</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,276</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Temporary differences</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,904&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,276&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,086&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 5.5pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Valuation of financial instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,980&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,412&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,059&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Valuation of tangible and intangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,714&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,797&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,594&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;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:105%">Investments in Group companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">427&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">403&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">378&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:112%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:112%;padding-left:0.46pt">In 2023, the Spanish Economic Administrative Court ruled that in 2017 the requirements for the conversion of part of the monetizable assets of Popular Group into a credit against the Tax Administration were met, allowing the conversion to EUR 995&#160;million. Banco Santander was refunded without impact on results. The favourable Economic Administrative Court decision was declared harmful to the public interests and challenged at the National Appellate Court by the Tax Administration. The estimation of this appeal, which is pending at the National Appellate Court,  would imply that Grupo Santander should repay the amount refunded and would, once again, credit these monetizable assets with no impact on results except for late payment interests. However, it is considered that there are strong defense arguments in relation to this appeal.</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDeferredTaxesExplanatory', window );">Schedule of changes in deferred tax assets and liabilities</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in Tax assets&#160;- Deferred and Tax liabilities&#160;- Deferred in the last three&#160;years were as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:20.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.492%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.608%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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"></td><td colspan="3" style="padding:2px 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:105%">Balance at 1 January 2025</span></td><td colspan="3" style="padding:2px 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:105%">(Charge)/Credit to income</span></td><td colspan="3" style="padding:2px 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:105%">Foreign currency balance translation differences and other items</span></td><td colspan="3" style="padding:2px 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:105%">(Charge)/Credit to asset and liability valuation adjustments</span></td><td colspan="3" style="padding:2px 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:105%">Reclassification no-current asset held for sale</span></td><td colspan="3" style="padding:2px 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:105%">Acquisition for the year (net)</span></td><td colspan="3" style="padding:2px 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:105%">Balance at 31 December 2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deferred tax assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,170</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,107</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(102)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(132)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,130)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,944</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax losses and tax credits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,367&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(107)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,354&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Temporary differences</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,803&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,025&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(132)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,130)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,590&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which monetizable</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,309&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">455&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(39)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,725&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred tax liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6,276)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(572)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">108</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(232)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,064</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5,904)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Temporary differences</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6,276)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(572)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">108&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(232)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,064&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,904)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,894</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">535</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(364)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(66)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,040</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:30.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.492%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.607%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Balance at 1 January 2024</span></td><td colspan="3" style="padding:2px 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:105%">(Charge)/Credit to income</span></td><td colspan="3" style="padding:2px 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:105%">Foreign currency balance translation differences and other items</span></td><td colspan="3" style="padding:2px 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:105%">(Charge)/Credit to asset and liability valuation adjustments</span></td><td colspan="3" style="padding:2px 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:105%">Acquisition for the year (net)</span></td><td colspan="3" style="padding:2px 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:105%">Balance at 31 December 2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deferred tax assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,767</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">119</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,670)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(41)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,170</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax losses and tax credits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,393&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">114&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(139)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,367&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Temporary differences</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,374&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,531)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(41)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,803&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which monetizable</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,099&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">147&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(937)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,309&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred tax liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6,086)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(547)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">142</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">215</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6,276)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Temporary differences</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6,086)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(547)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">142&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">215&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6,276)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,681</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(428)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,528)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">174</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,894</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:30.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.492%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.607%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Balance at 1 January 2023</span></td><td colspan="3" style="padding:2px 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:105%">(Charge)/Credit to income</span></td><td colspan="3" style="padding:2px 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:105%">Foreign currency balance translation differences and other items</span></td><td colspan="3" style="padding:2px 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:105%">(Charge)/Credit to asset and liability valuation adjustments</span></td><td colspan="3" style="padding:2px 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:105%">Acquisition for the year (net)</span></td><td colspan="3" style="padding:2px 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:105%">Balance at 31 December 2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deferred tax assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,787</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">629</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(130)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(422)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(97)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,767</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax losses and tax credits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,778&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">392&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">224&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,393&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Temporary differences</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,009&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">237&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(354)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(422)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(96)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,374&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which monetizable</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,660&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,232&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(787)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,099&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deferred tax liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6,428)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">663</span><span style="color:#000000;font-family:'Santander 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0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6,086)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Temporary differences</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6,428)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">663&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(338)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6,086)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,359</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,292</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(127)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid 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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of deferred taxes. [Refer: Deferred tax liabilities; Deferred tax assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of types of temporary differences, unused tax losses and unused tax credits. [Refer: Unused tax credits [member]; Unused tax losses [member]; Temporary differences [member]]</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of tax recognized in consolidated equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Non-controlling interests (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfNonControllingInterestComponentsExplanatoryTableTextBlock', window );">Schedule of detail, by Group company, of non-controlling interests</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by Group company, of 'Equity&#160;- Non-controlling interests' 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:59.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.173%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Santander Bank Polska S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,670&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,320&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,934&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Grupo PSA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,815&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,725&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,590&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander - Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,422&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,364&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,379&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander (Brasil) S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,397&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,257&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,493&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other companies</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">875&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">890&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,315&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,179</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,556</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,711</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Profit/(Loss) for the year attributable to non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,399&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,170&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,107&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Grupo PSA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">230&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">217&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">285&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander - Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">313&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">271&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">235&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Banco Santander (Brasil) S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">184&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">233&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">182&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Santander Bank Polska S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">604&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">413&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">347&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Other companies</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">68&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">58&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,578</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,726</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,818</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">It included, as of 31 December 2023, perpetual Santander UK plc equity instruments convertible at the option of Santander UK plc into preferred shares of the entity itself amounting EUR 576&#160;million. During 2024, the last outstanding issuance held by third parties for GBP 500&#160;million (EUR 590&#160;million) was redeemed.</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfNonControllingInterestChangesExplanatoryTableTextBlock', window );">Schedule of changes in non-controlling interests</a></td>
<td class="text"><div style="margin-bottom:2pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in Non-controlling interests are summarised as follows:</span></div><div style="margin-bottom:2pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:57.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.791%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Balance at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,726&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,818&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,481&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(461)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">297&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">779&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">369&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Profit attributable to non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,399&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,170&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,107&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Modification of participation rates</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">339&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">395&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(258)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Change of perimeter</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(5)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(364)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Dividends paid to minority shareholders</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(896)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(660)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(748)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Changes in capital and other concepts</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(58)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(528)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">303&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,578</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,726</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,818</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Include the effects of the accelerated placements of 3.5% and 5.2% of the share capital of Santander Bank Polska S.A. in 2025 and 2024, respectively, and the public offer for the acquisition of shares of Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico that occurred in 2023 (see note 3.b).</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Includes the effects of the amortization of AT1 UK by EUR 590&#160;million at closing of fiscal year 2024.</span></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfNonControllingInterestFinancialInformationExplanatoryTableTextBlock', window );">Schedule of financial information on the subsidiaries with significant non-controlling interests</a></td>
<td class="text"><div style="margin-bottom:12pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The financial information on the subsidiaries with significant non-controlling interests at 31 December 2025 is summarised below:</span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.392%"><tr><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.87pt;font-weight:400;line-height:105%;position:relative;top:-2.62pt;vertical-align:baseline">A</span></div></td></tr><tr><td colspan="3" style="padding:0 8.09pt 0 1pt;text-indent:-7.09pt"><div style="margin-bottom:6pt;padding-right:7.09pt;text-align:justify;text-indent:-7.09pt"></div></td><td colspan="3" style="padding:2px 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:105%">Santander Bank Polska S.A.</span></td><td colspan="3" style="padding:2px 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:105%">Banco Santander (Brasil) S.A.</span></td><td colspan="3" style="padding:2px 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:105%">Banco Santander - Chile</span></td><td colspan="3" style="padding:2px 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:105%">Grupo PSA</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">78,186&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">209,453&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68,205&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,826&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">70,380&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">193,380&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,604&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,717&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,806</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,073</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,601</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,109</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,724&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,602&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,714&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,305&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total profit</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,528</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,388</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,043</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other comprehensive income (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="text"><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.504%"><tr><td style="width:1.0%"></td><td style="width:69.916%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.611%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.459%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.614%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.87pt;font-weight:400;line-height:105%;position:relative;top:-2.62pt;vertical-align:baseline">A</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 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:105%">2025</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other comprehensive income</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(37,974)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(36,595)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(35,020)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Items that will not be reclassified to profit or loss</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,121)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,757)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5,212)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Actuarial gains and losses on defined benefit pension plans</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,896)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,404)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,324)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-current assets held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Share in other income and expenses recognised in investments, joint ventures and associates</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other valuation adjustments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">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:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(250)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(432)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(776)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Inefficiency of fair value hedges of equity instruments measured at fair value with changes in other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income (hedged item)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">208&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">284&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">264&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income (hedging instrument)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(208)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(284)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(264)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of financial liabilities measured at fair value through profit or loss attributable to changes in credit risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(113)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Items that may be reclassified to profit or loss</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(33,853)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(31,838)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(29,808)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Hedges of net investments in foreign operations (Effective portion)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,343)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8,002)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8,684)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(25,475)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(22,375)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(19,510)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives. Cash flow hedges (Effective portion)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">333&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(298)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(740)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">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:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(372)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(736)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(555)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging instruments (items not designated)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-current assets classified as held for sale</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(590)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Share in other income and expenses recognised in investments, joint ventures and associates</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(395)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(427)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(319)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net amount of taxes and minorities</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfOtherComprehensiveIncomeChangesInFairValueThatWillNotBeReclassifiedToProfitOrLossTableTextBlock', window );">Schedule of changes in fair value of equity instruments that will not be reclassified</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following is a breakdown of the composition of the balance as of 31 December 2025, 2024 and 2023 under 'Other comprehensive income - Items that will not be reclassified to profit or loss - Changes in the fair value of equity instruments measured at fair value with changes in other global result' depending on the geographical origin of the issuer:</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"></td><td style="width:29.257%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.313%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Capital gains by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Capital losses by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net gains/losses by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair Value</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Domestic</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1326)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1,279)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">133&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">75&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(81)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">186&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Latin America and rest</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,013&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,013&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,926&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt 0 7.75pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,158</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,408)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(250)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,281</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Publicly listed</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,033&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(49)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">985&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,993&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Non publicly listed</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">125&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,359)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,235)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">288&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"></td><td style="width:29.257%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.313%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Capital gains by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Capital losses by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net gains/losses by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair Value</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Domestic</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1,328)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1,289)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">117&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">131&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(71)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">60&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">299&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Latin America and rest</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">775&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">775&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,753&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">967</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,399)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(432)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Publicly listed</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">779&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(51)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">728&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,780&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Non publicly listed</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">188&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,348)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,160)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">413&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"></td><td style="width:29.257%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.313%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Capital gains by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Capital losses by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net gains/losses by valuation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair Value</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Domestic</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1,173)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1,141)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">252&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">International</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">117&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(71)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">46&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">267&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">United States</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Latin America and rest</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">370&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(67)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">303&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,223&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt 0 7.75pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">535</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,311)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(776)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,761</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Publicly listed</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">316&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(118)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">198&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,225&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Non publicly listed</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">219&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(1,193)</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(974)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">536&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfOtherComprehensiveIncomeExchangeDifferencesInForeignOperationsThatMayBeReclassifiedToProfitOrLossTableTextBlock', window );">Schedule of exchange differences included in other comprehensive income that may be reclassified to profit or loss</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by country 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:42.109%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.729%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">2025</span></td><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#f6f6f6;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net balance at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32,818)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(30,377)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(28,194)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Brazilian real</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(19,412)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(19,293)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(16,340)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Mexican peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(4,137)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3,995)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,942)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Pound sterling</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(4,125)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3,444)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3,964)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Chilean peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(2,926)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,857)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,531)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Argentine peso</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(2,217)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,090)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,655)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Polish zloty</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(43)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(709)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(786)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">US dollar</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,047&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,923&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,819&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1,005)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(912)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(795)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The breakdown of translation differences by currency is as follows</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"></td><td style="width:18.929%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.324%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.324%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.324%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.324%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.324%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.324%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.327%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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:2px 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:105%">2025</span></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="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Of which:</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Currency</span></td><td colspan="3" style="padding:2px 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:105%">Balance at the beginning of the year</span></td><td colspan="3" style="padding:2px 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:105%">Balance at the end of the year</span></td><td colspan="3" style="padding:2px 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:105%">Movement</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From goodwill</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">From results</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From net assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">From transfers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Brazilian real</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16,664)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16,755)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(91)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(41)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(37)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pound sterling</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,300)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,126)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(826)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(48)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(18)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(760)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexican peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,437)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,222)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">215&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">164&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentine peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,090)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,216)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(126)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(126)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chilean peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,180)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,249)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(69)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(66)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US dollar</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,462&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,340&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,122)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(225)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(48)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,849)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Polish zloty</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(202)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">220&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">215&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(964)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,265)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(301)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(306)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(22,375)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(25,475)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(3,100)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(287)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(52)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(2,976)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">215</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Profit and loss items are translated into euros at the average exchange rate for the year as described in note 2 a) ii.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">It includes the accumulated exchange differences of Santander Polska transferred to the heading 'Other comprehensive income - Items that may be reclassified to profit or loss - Non-current assets held for sale' (see Note 12).</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:18.900%"></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:12.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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:2px 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:105%">2024</span></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="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Of which:</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Currency</span></td><td colspan="3" style="padding:2px 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:105%">Balance at the beginning of the year</span></td><td colspan="3" style="padding:2px 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:105%">Balance at the end of the year</span></td><td colspan="3" style="padding:2px 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:105%">Movement</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From goodwill</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">From results</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From net assets</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Brazilian real</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,287)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16,664)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,377)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(631)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(206)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,540)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pound sterling</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,064)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,300)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">764&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">703&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexican peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(64)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,437)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,373)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(82)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(136)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,155)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentine peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,658)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,090)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chilean peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,890)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,180)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(290)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(34)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(249)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US dollar</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,433&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,462&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,029&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">116&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">878&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Polish zloty</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(325)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(202)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">123&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">84&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(655)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(964)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(309)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(291)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(19,510)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(22,375)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(2,865)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(568)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(295)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(2,002)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Profit and loss items are translated into euros at the average exchange rate for the year as described in note 2 a) ii.</span></div><div style="text-indent:3.82pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:18.900%"></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:12.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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:2px 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:105%">2023</span></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="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Of which:</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Currency</span></td><td colspan="3" style="padding:2px 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:105%">Balance at the beginning of the year</span></td><td colspan="3" style="padding:2px 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:105%">Balance at the end of the year</span></td><td colspan="3" style="padding:2px 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:105%">Movement</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From goodwill</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">From results</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From net assets</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Brazilian real</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14,199)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,287)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">912&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">191&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">710&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pound sterling</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,446)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,064)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">382&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">358&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexican peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,132)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(64)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,068&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">965&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentine peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,754)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,658)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(904)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(900)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chilean peso</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,605)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,890)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(285)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(34)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(219)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US dollar</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,062&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,433&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(629)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(64)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(549)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Polish zloty</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(776)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(325)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">451&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">332&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(570)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(655)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(85)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(73)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(20,420)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(19,510)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">910</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">249</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">37</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">624</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Profit and loss items are translated into euros at the average exchange rate for the year as described in note 2 a) ii.</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfOtherComprehensiveIncomeByInstrumentAndGeographicOriginThatMayBeReclassifiedToProfitOrLossTableTextBlock', window );">Schedule of other comprehensive income, that may be reclassified to profit or loss, by type of instrument and geographical origin of the issuer</a></td>
<td class="text"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The breakdown, by type of instrument and geographical origin of the issuer, of 'Other comprehensive income &#8211; Items that may be reclassified to profit or loss - Changes in the fair value of debt instruments measured at fair value with changes in other comprehensive income' at 31 December 2025, 2024 and 2023 is as follows:</span></div><div style="margin-bottom:3pt;margin-top:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"></td><td style="width:35.398%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.775%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.775%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.775%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.777%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Revaluation gains</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Revaluation losses</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net revaluation gains/ (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt instruments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Issued by Public-sector</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">118&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">118&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,142&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(36)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">173&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,856&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">America and rest of the world</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">109&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(528)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(419)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,685&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Issued by Private-sector</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(53)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(24)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,745&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(15)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,445&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">America and rest of the world</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(273)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(233)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,458&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt 0 7.75pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">533</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(905)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(372)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">72,331</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;margin-top:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"></td><td style="width:35.804%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.673%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.673%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.673%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.677%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Revaluation gains</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Revaluation losses</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net revaluation gains/ (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt instruments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Issued by Public-sector</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">103&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">103&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,764&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">268&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(70)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">198&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,413&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">America and rest of the world</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(944)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(868)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,784&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Issued by Private-sector</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">96&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(23)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">73&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,019&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(18)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,478&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">America and rest of the world</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(265)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(249)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,247&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">584</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,320)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(736)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">87,705</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"></td><td style="width:35.804%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.673%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.673%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.673%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.677%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Revaluation gains</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Revaluation losses</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net revaluation gains/ (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt instruments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Issued by Public-sector</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,867&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">333&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(96)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">237&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,258&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">America and rest of the world</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">194&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(820)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(626)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,169&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Issued by Private-sector</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Spain</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">98&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">89&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,129&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(30)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(11)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,018&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">America and rest of the world</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(267)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(261)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,106&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">667</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,222)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(555)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt 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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The tabular disclosure of changes in the fair value of equity instruments measured at fair value through other comprehensive income that will not be reclassified to profit or loss.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accumulated retained earnings (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Accumulated retained earnings and Reserves of entities accounted for using the equity method is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:59.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.173%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Restricted reserves</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,328</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,084</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,899</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Legal reserve</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,469&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,515&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,618&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Own shares</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">480&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">421&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">649&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Revaluation reserve Royal Decree-Law 7/1996</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reserve for retired capital</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,336&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,105&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">589&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Unrestricted reserves</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">31,519</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24,186</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,033</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Voluntary reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,357&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,362&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,284&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Consolidation reserves attributable to the Bank</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,162&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,824&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,749&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reserves of subsidiaries</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">47,937</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">47,249</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">47,669</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Reserves of entities accounted for using the equity method</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,643</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,831</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,762</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">84,427</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">76,350</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">68,363</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">The board of directors has proposed to the general shareholders' meeting the reclassification of the excess that the amount of the balance of the legal reserve account shows over the figure that is equivalent to 20% of the resulting share capital after the executed capital reductions, to be included in the voluntary reserves account.</span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">In accordance with the commercial regulations in force in Spain.</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfReservesOfSubsidiariesTableTextBlock', window );">Schedule of reserves of subsidiaries based on the companies' contribution to the Group</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by company, of Reserves of subsidiaries, based on the companies&#8217; contribution to the Group (considering the effect of consolidation adjustments) 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:93.007%"><tr><td style="width:1.0%"></td><td style="width:56.184%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.138%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.138%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.140%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Banco Santander (Brasil) S.A. (Consolidated Group)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,085&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,107&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,512&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander UK Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,973&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,576&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,700&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,977&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,248&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,684&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Consumer Finance Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,804&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,729&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,344&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander - Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,560&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,250&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,112&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander Argentina S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,217&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,892&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,813&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander Totta, S.A. (Consolidated Group)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,726&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,766&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,626&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Bank Polska S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,875&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,890&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,535&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Grupo Santander Holdings USA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">187&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,893&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Investment, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,424&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,217&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,215&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Santander Seguros y Reaseguros, Compa&#241;&#237;a Aseguradora, S.A.</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">845&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">836&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,044&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Banco Santander International SA (former Banco Santander (Suisse) S.A)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">450&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">397&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">346&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other companies and consolidation adjustments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,062)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,846)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,155)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">47,937</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">47,249</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">47,669</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:400;line-height:105%">Of which, restricted</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,722&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,175&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,870&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Memorandum items (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfContingentLiabilitiesExplanatory', window );">Schedule of contingent commitments</a></td>
<td class="text">The detail is as follows:<div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:51.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.643%"></td><td style="width:0.1%"></td></tr><tr style="height:15pt"><td colspan="12" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans commitment granted</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">321,234</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">302,861</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">279,589</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which impaired</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">345&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">511&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">406&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial guarantees granted</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,449</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,901</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,435</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which impaired</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">332&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">217&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">578&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial guarantees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,437&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,887&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,400&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit derivatives sold</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">35&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other commitments granted</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">148,118</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">134,493</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">113,273</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which impaired</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">668&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">793&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">542&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Technical guarantees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,161&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">61,551&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57,363&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">85,957&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">72,942&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">55,910&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfOffBalanceSheetFundsTableTextBlock', window );">Schedule of off-balance sheet funds managed by the entity and joint ventures</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of off-balance-sheet funds managed by the Group and by joint ventures 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:50.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.951%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Investment funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">197,346&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">178,840&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">165,174&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Pension funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,112&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,646&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,831&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Assets under management</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,974&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,999&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,732&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">257,432&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">230,485&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">209,737&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of contingent liabilities. [Refer: Classes of contingent liabilities [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 37<br> -IssueDate 2025-01-01<br> -Paragraph 86<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_86&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 259<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_259&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 259<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_259&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Schedule of off-balance sheet funds managed by the entity and joint ventures.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Hedging derivatives (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfHedgeAccountingAbstract', window );"><strong>Disclosure of detailed information about hedges [abstract]</strong></a></td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsExplanatory', window );">Schedule of details of hedging instruments</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following tables contains the detail of the hedging derivatives according to the type of hedging, the hedge risk and the main products used as of 31 December 2025, 2024 and 2023:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:31.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.644%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></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 #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Carrying&#160;amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Nominal value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities</span></td><td colspan="3" style="padding:2px 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:105%">Changes in fair value used for calculating&#160;hedge ineffectiveness</span></td><td colspan="3" style="padding:2px 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:105%">Balance&#160;sheet&#160;line&#160;items</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">338,057</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,387</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,588</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(454)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">305,348</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,501</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,532</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(433)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">285,983&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,326&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,485&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(188)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19,365&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">175&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(247)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Cap&amp;Floor</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,656</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">20</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">46</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Fx forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,414&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Fx Swap</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">46&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">242&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">27,433</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">735</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,035</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(76)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5,452&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">38&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">80&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">21,981&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">697&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">955&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(68)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Base risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">500</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">500&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,120</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">145</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Inflation swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,120&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">145&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Cash flow hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">148,269</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,954</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,231</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,067</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">99,969</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">960</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">41</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,171</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">12,357&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(293)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">87,412&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">937&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,464&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Cap&amp;Floor</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">200&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">24,791</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">605</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">473</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(233)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,445&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">62&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(18)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX swap</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,606&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">38&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">43&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19,740&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">505&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">410&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(212)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">23,445</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">298</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">718</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,253&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">17&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">85&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">51&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20,192&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">281&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">633&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(54)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">131</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Inflation swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">131&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">64</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">91</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Equity Option</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">64&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">91&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 1.75pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedges of net investments in foreign operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">19,666</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">86</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">475</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">136</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">19,666</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">86</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">475</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">136</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19,614&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">86&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">474&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">134&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX swap</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">52&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 12.25pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">505,992</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,427</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,294</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">749</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:31.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.644%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million </span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></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 #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Carrying&#160;amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Nominal value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities</span></td><td colspan="3" style="padding:2px 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:105%">Changes in fair value used for calculating&#160;hedge ineffectiveness</span></td><td colspan="3" style="padding:2px 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:105%">Balance&#160;sheet&#160;line&#160;items</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">308,897</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,584</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,964</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">483</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">290,152</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,070</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,319</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">373</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">276,715&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,578&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,082&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">156&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,411</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">59</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">101</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Fx forward</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,240&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,059&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">91&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,739</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">501</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">586</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,720&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">15&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">65&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">46&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11,019&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">486&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">520&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Base risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">500</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">500&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">95</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Equity swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">95&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Cash flow hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">179,271</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,415</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,519</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">558</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">134,503</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,060</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,089</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">144</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6,621&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">225&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">106,663&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">788&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">478&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(130)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">30,653</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">738</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">258</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">459</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX forward</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9,286&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">362&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">51&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">408&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19,957&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">323&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">189&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">114&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,724</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">539</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">172</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">26</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,092&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">46&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">75&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,632&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">545&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">126&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(49)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,316</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">58</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(69)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Inflation swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">57&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">75</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">20</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Equity swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">75&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedges of net investments in foreign operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">23,559</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">673</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">269</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">420</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">23,559</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">673</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">269</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">420</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">23,559&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">673&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">269&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">420&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">511,727</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,672</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,752</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,461</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;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:97.652%"><tr><td style="width:1.0%"></td><td style="width:29.960%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.839%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.960%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.963%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></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 #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Carrying&#160;amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Nominal value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities</span></td><td colspan="3" style="padding:2px 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:105%">Changes in fair value used for calculating&#160;hedge ineffectiveness</span></td><td colspan="3" style="padding:2px 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:105%">Balance&#160;sheet&#160;line&#160;items</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">241,792</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,661</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,231</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,869)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">225,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,280</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,644</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,684)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">215,382&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,015&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,462&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1,871)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,331</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">24</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(98)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,913&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">15&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">24&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,418&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(87)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,084</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">366</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">563</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(87)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,311&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">179&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9,773&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">357&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">384&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(107)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Cash flow hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">157,796</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,575</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,889</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,828</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">97,780</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">913</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,246</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,181</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,020&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">91,569&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">872&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,214&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,188&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">34,823</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,001</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">663</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(498)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX forward</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11,160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">502&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">241&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">43&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20,043&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">446&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">397&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(537)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,217</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">484</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">74</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(98)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,847&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(45)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">227&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9,370&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">484&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">119&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(325)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,908</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">155</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">906</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">234</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">12,495&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">153&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">906&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">240&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">68</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">22</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Option</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">68&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 7.75pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedges of net investments in foreign operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18,706</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">61</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">536</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,888)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18,706</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">61</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">536</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,888)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">18,706&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">61&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">536&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(1,888)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt 0 7.75pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">418,294</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,297</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,656</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,929)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationAboutTermsAndConditionsOfHedgingInstrumentsAndHowTheyAffectFutureCashFlowsExplanatory', window );">Schedule of maturity profile of hedging instruments and average interest and exchange rate by maturity</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table sets out the maturity profile of the hedging instruments used in Grupo Santander non-dynamic hedging strategies:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">&#160;</span></div></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up&#160;to&#160;one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;to&#160;three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three&#160;months&#160;to one year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;year&#160;to five years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than five years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,263</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,353</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">87,830</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">176,040</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">36,571</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">338,057</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,778</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,042</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">82,060</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">160,461</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">28,007</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">305,348</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,588&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,565&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">78,893&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">146,294&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">26,643&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">285,983&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">190&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">477&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,167&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,167&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,364&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,365&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">963</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">365</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">242</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,656</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Fx forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">963&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">365&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,086&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,414&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">242&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">242&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">522</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">946</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,684</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,079</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,202</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,433</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">54&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">218&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,898&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,267&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,452&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">507&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">892&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,466&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,181&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,935&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,981&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Base risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">500</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">500</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">500&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">500&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,120</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,120</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Inflation swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,120&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,120&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,499</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,405</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21,536</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">103,955</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,874</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">148,269</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,497</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,347</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,090</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">76,749</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,286</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">99,969</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,837&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">507&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,357&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,497&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,347&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,077&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">64,712&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,779&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">87,412&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Cap&amp;Floor</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">200&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">200&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">981</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,169</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,062</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,467</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,112</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24,791</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">874&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,025&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,546&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,445&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX swap</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">66&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">92&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">492&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">956&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,606&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">52&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,024&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,511&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,112&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,740&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,021</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,887</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,371</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,690</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,476</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23,445</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">761&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">227&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,085&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">180&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,253&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,260&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,887&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,144&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,605&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,296&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,192&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">49</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">64</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Equity option</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">49&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">64&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Hedges of net investments in foreign operations:</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,945</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,218</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,296</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">207</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,666</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,945</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,218</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,296</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">207</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,666</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,893&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,218&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,296&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">207&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,614&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">FX swap</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">52&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">52&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,707</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29,976</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">120,662</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">280,202</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">48,445</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">505,992</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">&#160;</span></div></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up&#160;to&#160;one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;to&#160;three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three&#160;months&#160;to one year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;year&#160;to five years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than five years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,791</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,953</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">88,519</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">163,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31,548</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">308,897</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,725</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,680</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">85,981</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">154,440</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">26,326</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">290,152</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,910&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,913&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">83,890&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">148,913&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24,089&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">276,715&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,054</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">717</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">469</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">112</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,059</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,411</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Fx forward</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,054&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">717&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">469&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,240&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,059&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,059&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">511</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,019</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,034</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,163</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,739</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">149&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">104&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,543&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">924&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,720&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">361&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,915&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,491&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,240&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,019&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Base risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">500</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">500</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">500&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">500&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">45</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">95</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Equity swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">45&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">50&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">95&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,696</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,088</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">43,111</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">94,030</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,346</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">179,271</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,628</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,932</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,390</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">75,459</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,094</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">134,503</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,621&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,621&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,146&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,856&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,846&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">67,495&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,320&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">106,663&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,982</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,765</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,703</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,826</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30,653</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">FX forward</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,594&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,310&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,382&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,286&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">133&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">66&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,383&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,704&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,671&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,957&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">778</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,785</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,813</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,262</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,724</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">997&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">395&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,260&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">440&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,092&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,090&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">778&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,389&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,553&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">822&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,632&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">153</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,163</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,316</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Inflation swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 6.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">55</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">75</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Option</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">55&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">75&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Hedges of net investments in foreign operations:</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,918</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,644</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,997</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">23,559</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,918</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,644</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,997</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">23,559</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,918&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,644&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,997&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">23,559&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">33,405</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31,685</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">145,627</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">257,116</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">43,894</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">511,727</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">&#160;</span></div></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up&#160;to&#160;one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;to&#160;three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three&#160;months&#160;to one year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;year&#160;to five years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than five years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,862</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,535</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59,170</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">139,486</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21,739</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">241,792</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,266</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,749</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">56,860</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">131,323</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,179</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">225,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,176&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,525&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">55,918&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">125,405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,358&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">215,382&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">566</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">678</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">619</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,418</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,331</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Fx forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">566&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">678&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">619&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">50&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,913&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,418&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,418&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">108</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,691</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,113</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,142</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,084</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">87&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,370&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,605&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,681&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,773&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">321&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,508&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">461&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,311&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,873</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,149</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">43,913</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">83,291</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,570</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">157,796</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,467</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,859</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,846</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,038</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,570</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">97,780</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Future interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,020&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,020&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,241&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,429&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29,863&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">48,735&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,301&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">91,569&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,655</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,087</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,607</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,711</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,763</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34,823</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">FX forward</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,013&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,344&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,617&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,186&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">642&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,990&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,525&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,043&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">407</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,547</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,270</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,187</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">806</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,217</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Interest rate swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">80&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,575&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">192&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,847&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">407&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,467&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,270&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,612&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">614&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,370&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">344</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">656</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,182</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,296</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,430</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,908</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Currency swap</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">318&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">618&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,833&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,296&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,430&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,495&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">59</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">68</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">Option</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">68&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Hedges of net investments in foreign operations:</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,303</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,940</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,463</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,706</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,303</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,940</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,463</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,706</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;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:105%">FX forward</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,303&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,940&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,463&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,706&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,038</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">35,624</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">112,546</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">222,777</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">28,309</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">418,294</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Additionally, for Santander UK Group Holdings plc and Banco Santander, S.A., both the maturity profile, the average interest and exchange rate of hedging instruments by maturity buckets are shown:</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline">Santander UK Group Holdings plc group</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three&#160;months<br/>to one year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;year<br/>to five years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,490&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,469&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">69,366&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">86,738&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,222&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">189,285&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.703&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.021&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.508&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.181&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.216&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.621&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.437&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.091&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.325&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">27.000</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">30</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">357&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,936&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,808&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,158&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.176</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.138</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.158</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.177</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.182</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.249</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.346</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.293</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.080&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.812&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.822&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.991&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.385&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.364&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.997&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">360&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">111&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,472&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">35,087&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,067&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">43,097&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.373&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.235&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.344&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.881&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.481&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Foreign exchange risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,982&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,238&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,112&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,332&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/JPY exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/CHF exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.121</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.111</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.180</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.172</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.334</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.275</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.373</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/CAD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Equity instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">13</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">49</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">87&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,206&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">420&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,713&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.166</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.181</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.172</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.334</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.281</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.397</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.609&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.973&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.475&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three&#160;months<br/>to one year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One&#160;year<br/>to five years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,033&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,598&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">64,755&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">93,176&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,110&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">174,672&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.749&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.293&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.496&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.868&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.653&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.200&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.346)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.446)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.585&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.370&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.534&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.531&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.756&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.449&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;&#160;Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">212</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">258&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,280&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,152&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,902&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.136</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.158</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.162</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.176</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.318</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.281</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.350&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.304&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.940&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.831&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.375&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,330&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,190&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,896&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34,841&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,325&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">63,582&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.592&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.075&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.761&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.707&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.352&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Foreign exchange risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">311&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">954&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,941&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,235&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,730&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23,171&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/JPY exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">178.368</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">179.995</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">187.640</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/CHF exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.086</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.115</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.203</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.188</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.177</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.162</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.238</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.297</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.388</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/CAD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.758</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Equity instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">19</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">55</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">75</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,993&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">476&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,039&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,294&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">707&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,509&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.124</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.370</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.161</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.213</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.179</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.538</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.319</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.537</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.480&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.760&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.203&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.771&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.885&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.983&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt 0 7.75pt"></td><td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,230&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">37,158&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">70,075&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,467&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">123,093&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.380&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.190&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.420&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.890&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.990&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.140&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.180&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.450&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.210&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.920&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.600&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.460&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.230&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.360&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.910&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,172&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">198&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,411&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.113</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.156</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.148</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.318</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.770&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.480&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.830&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,050&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,553&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,756&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">31,941&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">53,705&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.060&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.050&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.380&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.840&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.450&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Foreign exchange risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,068&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,266&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,104&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,888&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,763&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23,089&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/JPY exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">154.135</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">153.954</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">167.846</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/CHF exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.092</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.093</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.089</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.121</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.121</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.197</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.167</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.179</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.392</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.277</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.388</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Equity instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">58&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">68&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;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:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">905&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">576&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,614&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">719&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,914&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,183&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.254</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.198</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.189</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average GBP/USD exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,663</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.383</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1.537</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.570&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.540&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.960&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.420&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.810&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr></table></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:130%;text-decoration:underline">Banco Santander, S.A.</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">746</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,790</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6,849</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">34,331</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">17,003</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">61,719</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) GBP</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.155</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.500</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.725</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.371</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.303</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.809</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.101</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.139</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.330</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CHF</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.403</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.075</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.422</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.983</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.653</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.991</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CZK</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.650</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.350</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NOK</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.403</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.824</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) RON</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.880</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.200</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) HKD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.960</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NZD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.252</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Foreign exchange risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">329&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">250&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">697&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,276&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CNY/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,273</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,284</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,173</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">46&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">99&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">956&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,750&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,608&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6,459&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.710&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CZK/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.264&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) RON/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.697&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) HKD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.618&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) JPY/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.975&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.407&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NOK/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.441&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.155&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CHF/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.021&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.919&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/CLP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/COP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11.669&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11.703&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9.869&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9.356&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/MXN</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8.800</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.617</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.584</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average NZD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.666</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CZK/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">26.131</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">25.365</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">24.832</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average EUR/COP exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average EUR/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.940</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.948</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average HKD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8.488</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average JPY/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">137.802</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">129.229</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19.083</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average NOK/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9.519</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10.651</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average RON/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.948</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.927</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.980</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.019</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.935</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/COP exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/MXN exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.055</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Basis Risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Basis risk instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">500&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">500&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></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:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="18" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate and foreign exchange rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">236&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">288&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">213&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">80&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">817&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.678&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CHF/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.258&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.590</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.577</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.562</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average RON/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.940</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.002</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Bond Forward instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9,003&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">507&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11,630&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.964&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.695&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.016&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.650&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">18&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average exchange rate GBP/EUR</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.129</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.119</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedges of net investments in foreign operations</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,574&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,530&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9,866&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">207&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">17,177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average BRL/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.892</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.979</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.652</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CLP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,054.241</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,018.994</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,108.027</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,099.571</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average COP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,566</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.860</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.867</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.884</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22.187</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">23.465</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22.823</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.078</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.175</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average PLN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.321</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.307</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.309</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CAD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.611</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average UYU/EUR exchange rate</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">48.093</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">48.729</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">49.916</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">53.350</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,431</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,446</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6,878</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">33,324</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">15,991</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">62,070</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) GBP</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.020</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.120</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.640</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.370</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.340</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.010</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.000</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.460</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.170</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.010</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.500</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.740</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.460</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.720</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CZK</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.000</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NOK</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.400</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.820</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) RON</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.610</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.200</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) HKD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.960</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NZD</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.250</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Foreign exchange risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">473&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">287&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,165&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CNY/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7,710</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7,710</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7,710</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,178</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">12&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">148&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,355&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,859&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,669&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,043&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.690&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CZK/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.190&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) RON/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.970&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) HKD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.620&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) JPY/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.300&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.410&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NOK/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.440&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.500&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CHF/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.030&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.250&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/COP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">12.750&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10.580&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10.540&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7.760&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR/GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.690&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/MXN</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11.300</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.599</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.584</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average NZD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.666</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CZK/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">26.030</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">25.634</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average EUR/GBP exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.189</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average EUR/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.982</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.943</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average HKD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8.488</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average JPY/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">134.151</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">129.229</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19.083</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average NOK/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9.519</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10.429</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average RON/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.810</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.940</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.980</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.019</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.932</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/COP exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/MXN exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.052</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Basis Risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Basis risk instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;&#160;Nominal</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">500&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">500&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></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:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate and foreign exchange rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,055&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">84&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,139&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.520&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CHF/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.110&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.580</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.560</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average RON/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.940</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.000</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;Bond Forward instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6,200&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5,820&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">12,020&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.910&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></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="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">83&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">125&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">222&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average exchange rate GBP/EUR</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.200</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.170</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.190</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedges of net investments in foreign operations</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,240&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5,070&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">12,821&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">21,131&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average BRL/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.990</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.120</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.270</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CLP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,052.780</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,066.580</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,045.090</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average COP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,703</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average GBP/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.860</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.850</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.850</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20.280</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19.830</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">21.970</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.090</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.080</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.090</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average PLN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.370</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.410</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.410</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CAD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.500</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.940</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average UYU/EUR exchange rate</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">45.820</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">45.160</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">48.290</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair value hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,532&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">194&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7,880&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">22,714&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,775&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">41,095&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) GBP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.375&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.479&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.036&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.096&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.014&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.085&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.422&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.421&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CHF</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.010&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.015&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.688&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.603&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.801&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.446&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Foreign exchange risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">278</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">634</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">524</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">50</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,486</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average PEN/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.784</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.751</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CNY/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7.323</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7.732</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7.716</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.648</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.665</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19.363</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average COP/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,159.190</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,998.060</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MAD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10.929</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11.057</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average PEN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.095</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.110</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">30</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">66</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,450</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,321</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,150</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7,017</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.800&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.615&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CZK/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.000&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) RON/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.130&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.967&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) HKD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2.580&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.270&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) JPY/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.465&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.298&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.407&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) NOK/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.441&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.501&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CHF/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.243&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/MXN</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">14.250&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/COP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">17.980&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">6.152&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">13.207&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7.149&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR/USD</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(0.140)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) USD/CLP</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.450&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.499</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.545</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CZK/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">25.831</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average EUR/USD exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.891</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.961</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average HKD/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8.782</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8.666</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average JPY/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">120.568</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">134.151</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">129.229</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average NOK/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">9.519</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10.429</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average RON/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.711</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.887</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.104</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19.083</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/CLP exchange rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.001</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average NZD/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.666&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/MXN exchange rate</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.058&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:34.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.124%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Up to one month</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One to three months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Three months to one&#160;year</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">One year to five&#160;years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than five<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Cash flow hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and foreign exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate and foreign exchange rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">414&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,075&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">86&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,575&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) CHF/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.106&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) AUD/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3.521&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average EUR/GBP exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.173&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average AUD/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.625&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.584&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.562&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average RON/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.940&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.002&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Bond Forward instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">750</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,500</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7,750</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">10,000</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average fixed interest rate (%) EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(0.124)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(0.889)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.016&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">111&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average exchange rate GBP/EUR</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.148&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.146&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.138&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedges of net investments in foreign operations</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange and interest rate instruments</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Nominal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,593&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,870&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,034&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,497&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average BRL/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.569&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.505&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5.481&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CLP/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">916.724&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">936.166&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">987.202&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average COP/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,525.656&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average GBP/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.866&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.867&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.876&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average MXN/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20.078&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20.589&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">20.210&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average USD/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.129&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.081&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average PLN/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.664&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.752&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4.580&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CAD/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1.461&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average CHF/EUR exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">0.940&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Average UYU/EUR exchange rate</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">43.235&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">43.521&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">44.400&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsExplanatory', window );">Schedule of details of hedged exposure/hedged items</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Regarding the hedged items, the following table shows the detail of the type of hedging, the risk that is hedged and which products are being hedged  at 31 December 2025,  2024 and 2023. The products that are being hedged are mainly borrowed deposits, financial deposits, loans, government bonds as assets and financial bonds as liabilities: </span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:16.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.720%"></td><td style="width:0.1%"></td></tr><tr style="height:11pt"><td colspan="3" rowspan="4" style="padding:0 1pt"></td><td colspan="27" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr style="height:11pt"><td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr style="height:33pt"><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Carrying amount of hedged items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Accumulated amount of fair value adjustments on the hedged item</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Balance&#160;sheet&#160;line&#160;item</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Change in fair value of hedged item for ineffectiveness assessment</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Cash flow reserves or conversion reserves</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Continuing hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Discontinued hedges</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">166,907</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">107,124</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(191)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">490</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Loans and advances / Deposits and Debt securities / Debt securities issued</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">461</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">152,380&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">93,395&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(201)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">364&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">400&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,154&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">242&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(43)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest and Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">9,619&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">13,487&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">126&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">66&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,253&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">38&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Base risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">501&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,063)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">401</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">235</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1,174)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">381&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">86&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">240&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest and Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(131)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">162&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equity risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net foreign investments hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">19,666</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(136)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(7,867)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">19,666</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(136)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(7,867)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">186,573</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">107,124</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(191)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">490</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(738)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(7,466)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">237</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:16.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.720%"></td><td style="width:0.1%"></td></tr><tr style="height:11pt"><td colspan="3" rowspan="4" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="27" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr style="height:11pt"><td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr style="height:33pt"><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Carrying amount of hedged items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Accumulated amount of fair value adjustments on the hedged item</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Balance&#160;sheet&#160;line&#160;item</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Change in fair value of hedged item for ineffectiveness assessment</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Cash flow reserves or conversion reserves</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Continuing hedges</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Discontinued hedges</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">138,906</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">32,642</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,412)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,200)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Loans and advances / Deposits and Debt securities / Debt securities issued</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(461)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">133,149&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">23,780&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1,345)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1,176)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(343)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,017&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,562&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(118)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest and Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,238&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">7,205&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(68)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(27)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Base risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">502&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">95&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(564)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(478)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">50</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(156)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(794)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">83&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(439)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">213&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest and Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(40)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">69&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(52)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equity risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net foreign investments hedges</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">23,559</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(420)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(8,002)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">23,559</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(420)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(8,002)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">162,465</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">32,642</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,412)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,200)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,445)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(8,480)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">50</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:16.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.307%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.016%"></td><td style="width:0.1%"></td></tr><tr style="height:11pt"><td colspan="3" rowspan="4" style="border-bottom:0.5pt solid #ec0000;border-top:1pt solid #ffffff;padding:0 1pt"></td><td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr style="height:11pt"><td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr style="height:33pt"><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Carrying amount of hedged items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Accumulated amount of fair value adjustments on the hedged item</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Balance&#160;sheet&#160;line&#160;item</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Change in fair value of hedged item for ineffectiveness assessment</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Cash flow reserves or conversion reserves</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:1pt solid #c3dee7;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Continuing hedges</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Discontinued hedges</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">134,095</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">26,946</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,798)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,652)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Loans and advances / Deposits and Debt securities / Debt securities issued</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,928</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">130,672&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">19,176&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1,682)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1,546)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,757&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">637&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,365&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">60&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest and Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,786&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">6,405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(115)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(103)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">111&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,824)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(813)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(173)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2,182)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(797)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(77)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">500&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(80)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest and Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(144)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(233)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">196&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(96)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equity risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">12&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net foreign investments hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">18,706</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,888</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(8,684)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">18,706&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,888&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(8,684)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">152,801</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">26,946</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,798)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(1,652)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,992</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(9,497)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(173)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationAboutAmountsThatAffectedStatementOfComprehensiveIncomeAsResultOfHedgeAccountingExplanatory', window );">Schedule of effectiveness of hedging, impacts on profit or loss and other comprehensive income</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The net impact of the hedges are shown 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:25.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.347%"></td><td style="width:0.1%"></td></tr><tr style="height:12pt"><td colspan="3" rowspan="4" style="padding:0 1pt"></td><td colspan="15" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr style="height:12pt"><td colspan="15" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr style="height:21pt"><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Earnings/(losses) recognised in another cumulative overall result</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Ineffective  recognised in the income statement</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Line of the income statement that includes the ineffectiveness of cash flows</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Reclassified amount of reserves to the income statement due to:</span></td></tr><tr style="height:39pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cover transaction affecting the income statement</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Line of the income statement that includes reclassified items</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gains or losses financial assets/liabilities</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest rate risk</span></div></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(33)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate and exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Inflation risk</span></div></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,063</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(706)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest margin/Gains or losses financial assets/liabilities</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest rate risk</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,174&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(638)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(240)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">85&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(233)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">131&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net foreign investments hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">136</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">136&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">1,199</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">11</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(706)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;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:99.871%"><tr><td style="width:1.0%"></td><td style="width:25.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.347%"></td><td style="width:0.1%"></td></tr><tr style="height:12pt"><td colspan="3" rowspan="4" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="15" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr style="height:12pt"><td colspan="15" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr style="height:21pt"><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Earnings/(losses) recognised in another cumulative overall result</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Ineffective  recognised in the income statement</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Line of the income statement that includes the ineffectiveness of cash flows</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Reclassified amount of reserves to the income statement due to:</span></td></tr><tr style="height:39pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cover transaction affecting the income statement</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Line of the income statement that includes reclassified items</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">22</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gains or losses financial assets/liabilities</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Interest rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(17)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate and exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 7pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">558</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,256)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest margin/Gains or losses financial assets/liabilities</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">163&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,166)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">312&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">319&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">155&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(340)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(70)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(69)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net foreign investments hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">420</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">420&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">978</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">16</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(1,256)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:25.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.347%"></td><td style="width:0.1%"></td></tr><tr style="height:12pt"><td colspan="3" rowspan="4" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="15" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr style="height:12pt"><td colspan="15" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr style="height:21pt"><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Earnings/(losses) recognised in another cumulative overall result</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Ineffective coverage recognised in the income statement</span></td><td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Line of the income statement that includes the ineffectiveness of cash flows</span></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Reclassified amount of reserves to the income statement due to:</span></td></tr><tr style="height:39pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cover transaction affecting the income statement</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Line of the income statement that includes reclassified items</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value hedges</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gains or losses financial assets/liabilities</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Interest rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">72&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate and exchange rate risk</span></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,592</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gains or losses financial assets/liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,622)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest margin/Gains or losses financial assets/liabilities</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,179&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,647)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(416)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">164&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(431)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Inflation risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">233&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(128)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Equity risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net foreign investments hedges<br/>hedges</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,888)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Exchange rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,888)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">704</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">63</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(2,622)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfReconciliationOfHedgingComponentsInOtherComprehensiveIncomeTableTextBlock', window );">Schedule of movement in hedging components in other comprehensive income</a></td>
<td class="text"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table shows the movement in the impact of equity for the year:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:60.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.555%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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 8.09pt 0 1pt;text-indent:-7.09pt"><div style="margin-bottom:6pt;padding-right:7.09pt;text-align:justify;text-indent:-7.09pt"></div></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at beginning of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(8,300)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(9,424)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(9,187)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash flow hedges</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,049</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">558</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,592</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,155</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">163</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,179</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">A) Not designated elements - linked to a time period</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(19)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:17.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain or loss in value - recognized in equity</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(19)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:17.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other reclassifications</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">B) Not designated elements - linked to a transaction</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">C) Designated elements</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,174</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">163</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,179</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">638&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,166&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,647&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain or loss in value CFE - recognized in equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">536&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,003)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">532&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(229)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">312</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">A) Not designated elements - linked to a time period</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:17.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain or loss in value - recognized in equity</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">26&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(15)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:17.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other reclassifications</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">B) Not designated elements - linked to a transaction</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">C) Designated elements</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(240)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">312</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(85)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(319)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">416&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain or loss in value CFE - recognized in equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(155)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">631&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(409)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate and exchange rate risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">8</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">155</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">164</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">A) Not designated elements - linked to a time period</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">B) Not designated elements - linked to a transaction</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">C) Designated elements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">155</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">164</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">233&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">340&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">431&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain or loss in value CFE - recognized in equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(225)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(185)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">267&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Inflation risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">131</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(70)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">233</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(80)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">69&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">128&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain or loss in value CFE - recognized in equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">211&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(139)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">105&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Equity risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(16)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(2)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">A) Not designated elements - linked to a time period</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:17.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain or loss in value - recognized in equity</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(8)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:17.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other reclassifications</span></div></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">B) Not designated elements - linked to a transaction</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">C) Designated elements</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(10)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(2)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:60.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.554%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.555%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain or loss in value CFE - recognized in equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(10)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Net foreign investments hedges</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">136</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">420</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">(1,888)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">136</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">420</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">(1,888)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">A) Not designated elements - linked to a time period</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">B) Not designated elements - linked to a transaction</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">C) Designated elements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">136</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">420</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(1,888)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Amounts transferred to income statements</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain or loss in value CFE - recognized in equity</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">136&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">420</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(1,888)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Fair Value hedges</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate risk</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">A) Not designated elements - linked to a time period</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">B) Not designated elements - linked to a transaction</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exchange rate risk</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">A) Not designated elements - linked to a time period</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">B) Not designated elements - linked to a transaction</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid 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style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">B) Not designated elements - linked to a transaction</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Minorities, taxes and others</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 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:105%">(330)</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">146</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">(941)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">Balance at end of year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(7,445)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(8,300)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(9,424)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of detailed information about hedged items. [Refer: Hedged items [domain]]</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of detailed information about hedging instruments. [Refer: Hedging instruments [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 60<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_60&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 24A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24A&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 60<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_60&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 64B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_64B&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of information about amounts that affected the statement of comprehensive income as a result of hedge accounting.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 62<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_62&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 62<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_62&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 24C<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24C&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of information about the terms and conditions of hedging instruments and how they affect future cash flows. [Refer: Hedging instruments [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 23A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23A&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2026-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 30B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_30B&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The tabular reconciliation of movement for each hedging component of other comprehensive income.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Discontinued operations (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DiscontinuedOperationsConsolidatedIncomeAndCashFlowStatementsTableTextBlock', window );">Discontinued operations, consolidated income and cash flow statements</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following is a breakdown of the heading 'Profit/loss after tax from discontinued operations' at 31 December of 2025, 2024 and 2023:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">Entities held for sale</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Santander Bank Polska (Note 3)</span></div></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,542</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">1,241</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">1,058</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">Profit/loss after tax from discontinued operations</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">1,542</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">1,241</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%">1,058</span></td></tr></table></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:130%">The following are the consolidated summary profit and loss accounts for the business held for sale in Poland:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Condensed consolidated income statements</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest margin</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,006&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,881&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,611&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Dividend income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Investments accounted for using the equity method</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net commissions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">685&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">634&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">562&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net trading income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">74&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">62&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">68&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating results</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(77)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(109)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(94)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,720</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,496</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,172</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Administrative expenses, depreciation and amortisation cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,014)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(885)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(793)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment of financial assets</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"> A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(285)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(508)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(658)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other results and provisions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(471)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(423)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(267)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit before taxes</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,950</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,680</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,454</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax expense</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(408)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(439)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(396)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit of the year</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,542</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,241</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,058</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Of which EUR 144 million correspond to renegotiations or contractual modifications at 31 December 2025 (EUR 334  and 457 million at 31 December 2024 and 2023, respectively).</span></div><span></span>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Interest income (Tables)<br></strong></div></th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfInterestIncomeTableTextBlock', window );">Disclosure of details of main interest and similar income</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of the main interest and similar income items earned in 2025, 2024 and 2023 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:99.474%"><tr><td style="width:1.0%"></td><td style="width:57.104%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.831%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.831%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.834%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances,&#160;customers</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">70,830&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">74,900&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">67,879&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,890&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,431&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,955&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances,&#160;central banks and credit institutions</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,599&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,195&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,229&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other interest</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,391&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,486&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,679&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">101,710</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">109,012</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">101,742</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Mainly include the rectification of income originating from accounting hedges as well as interest on balances in central banks and on demand credit institutions.</span></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The tabular disclosure of interest income.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Interest expense (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfInterestExpenseTableTextBlock', window );">Disclosure of details of main interest and similar expenses</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of the main items of interest expense and similar charges accrued in 2025, 2024 and 2023 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:58.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.481%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,735&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,714&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,457&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities issued and subordinated liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,066&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,612&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,671&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Marketable debt securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">13,580&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,255&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,661&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Subordinated liabilities (note&#160;23)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,486&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,357&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,010&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks and credit institution deposits</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,151&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,381&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,360&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Lease Liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">107&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">122&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">127&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Provisions for pensions (note&#160;25)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">91&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">105&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Other interest expense</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,212&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,291&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,384&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59,362</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">65,225</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">61,092</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The tabular disclosure of interest expense.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Dividend income (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AnalysisOfIncomeAndExpenseAbstract', window );"><strong>Analysis of income and expense [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfDividendsTableTextBlock', window );">Disclosure of details of income from dividends</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of income from dividends 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:53.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.025%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Dividend income classified as:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">556&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">521&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">414&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">102&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">710</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">568</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The tabular disclosure of dividends. Dividends are distributions of profits to holders of equity investments in proportion to their holdings of a particular class of capital.</p></div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>182
<FILENAME>R100.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Commission income (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeAbstract', window );"><strong>Fee and commission income [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfFeeAndCommissionIncomeTableTextBlock', window );">Disclosure of details of fee and commission income</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of fee and commission income 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Coming from collection and payment services</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Bills</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">209&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">220&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">232&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Demand accounts</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,359&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,411&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,372&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cards</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,039&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,067&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,146&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Orders</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">607&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">657&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">656&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Cheques and other</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">140&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">138&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">128&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,354</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,493</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,534</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Coming from non-banking financial products</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Investment funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,428&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,389&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,037&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pension funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">238&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">194&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">178&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Insurance</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,782&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,865&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,669&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,448</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,448</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,884</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Coming from Securities services</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Securities underwriting and placement</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">602&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">586&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">502&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Securities trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">654&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">452&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">331&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Administration and custody</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">402&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">370&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">354&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Asset management</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">385&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">254&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">341&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,043</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,662</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,528</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Foreign exchange</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">848&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">705&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">678&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Commitments and financial guarantees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">718&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">713&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">621&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Commitment fees</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">504&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">491&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">497&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Structure Finance</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">902&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">709&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">551&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Corporate Finance</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">243&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">213&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">136&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans granted</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">259&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">318&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">259&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loan Servicing activities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">118&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">130&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Other fees and commissions</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">950&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">952&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">911&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,542</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,231</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,698</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,387</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,834</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,644</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The tabular disclosure of fee and commission income.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Commission expense (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionExpenseAbstract', window );"><strong>Fee and commission expense [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfFeeAndCommissionsExpenseTableTextBlock', window );">Disclosure of details of fee and commission expense</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of commission expense 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cards</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,744&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,816&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,858&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">By collection and return of effects</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial guarantees and other commitments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">359&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">323&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">282&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brokerages and intermediaries</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">130&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">181&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">204&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Sales of insurance and  funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">456&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">453&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">352&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other fees and commissions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,692&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,655&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,429&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,411</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,458</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,149</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The tabular disclosure of fees and commissions expense.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<DOCUMENT>
<TYPE>XML
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<FILENAME>R102.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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</head>
<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Gains or losses on financial assets and liabilities (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnFinancialInstrumentsAbstract', window );"><strong>Gains (losses) on financial instruments [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfGainsLossesOnFinancialAssetsAndLiabilitiesTableTextBlock', window );">Schedule of detail, by origin, of gains/losses on financial assets and liability</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by origin, of Gains/losses on financial assets and liabilities:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gains or losses on financial assets and liabilities not measured at fair value through profit or loss, net</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">127&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(117)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;Financial assets at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(89)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(190)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#160;&#160;Other financial assets and liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">216&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">99&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which debt instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">133&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">51&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains or losses on financial assets and liabilities held for trading, net</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,017&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,344&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,316&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains or losses on non-trading financial assets and liabilities mandatory at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,106&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">495&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">198&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains or losses on financial assets and liabilities measured at fair value through profit or loss, net</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(307)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">691&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(92)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains or losses from hedge accounting, net</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,955</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,427</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,587</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Includes the net result obtained by transactions with debt securities, equity instruments, derivatives and short positions included in this portfolio when the Group jointly manages its risk in these instruments.</span></div><span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfExchangeDifferencesNetTableTextBlock', window );">Schedule of exchange differences, net</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">As explained in note 44, the above breakdown should be analysed in conjunction with the 'Exchange differences, net':</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Exchange differences, net</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">407&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(216)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(22)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfFinancialAssetsAtFairValueThroughProfitOrLossTableTextBlock', window );">Schedule of detail of asset balances measured at fair value through profit or loss</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of the amount of the asset balances 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:54.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.717%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and receivables:</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80,218&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">72,931&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">51,072&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,632&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,966&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,717&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,380&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,722&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,520&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39,206&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">32,243&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,835&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">101,707&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">85,990&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">66,079&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,845&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,277&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,125&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58,355&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">64,100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">56,328&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">268,125</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">244,298</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">192,604</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfFinancialLiabilitiesAtFairValueThroughProfitOrLossTableTextBlock', window );">Schedule of detail of liability balances measured at fair value through profit or loss</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of the amount of the liability balances 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:51.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.643%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deposits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">106,003&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">87,374&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">80,503&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,471&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,074&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,017&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,482&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,909&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,597&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customer</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,050&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">44,391&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">51,889&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Marketable debt securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,686&#160;</span></td><td 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Short positions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,015&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">35,830&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,174&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,968&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57,753&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50,589&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial liabilities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">213,694</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">188,511</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">162,637</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other operating income and expenses (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Other operating income and Other operating expenses in the consolidated income statements include:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:56.307%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.097%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.097%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.099%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,583</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">846</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,137</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non- financial services</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">738&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">654&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">752&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">845&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">192&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">385&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other operating expense</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,429)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(2,595)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(3,066)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-financial services</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(650)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(498)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(674)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating expense:</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,779)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,097)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,392)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which, credit institutions deposit guarantee fund and single resolution fund</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(478)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(481)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,083)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(846)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,749)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,929)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The tabular disclosure of other operating income or expense.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Staff costs (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract', window );"><strong>Classes of employee benefits expense [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfDetailedInformationAboutPersonnelExpensesExplanatoryTableTextBlock', window );">Schedule of detail of staff costs</a></td>
<td class="text"><div style="margin-bottom:9pt;margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Staff costs is as follows:</span></div><div style="margin-bottom:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:59.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.173%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wages and salaries</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,351&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,567&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,042&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Social Security costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,680&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,644&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,576&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Additions to provisions for defined benefit pension plans (note&#160;25)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Contributions to defined contribution pension funds</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">332&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">354&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">307&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other Staff costs</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,252&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,241&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,332&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,656</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,851</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,299</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfDetailedInformationAboutEmployeeByGenderExplanatoryTableTextBlock', window );">Schedule of functional breakdown of final employment by gender</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The functional breakdown (final employment), by gender, at 31 December&#160;2025 is as follows:</span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"></td><td style="width:11.232%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.397%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.180%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.180%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.815%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.542%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.289%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.180%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.883%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.666%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.394%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.289%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.586%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.883%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.784%"></td><td style="width:0.1%"></td></tr><tr><td colspan="39" style="padding:2px 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:105%">Functional&#160;breakdown&#160;by&#160;gender</span></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="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Senior executives</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other executives</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other employees</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Men</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Women</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Not declared</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Men</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Women</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Not declared</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Men</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Women</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Others</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Not declared</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Europe</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">918&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">426&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,778&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,052&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,404&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37,094&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">North America</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">181&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,859&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,630&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,555&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,517&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">South America</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">284&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">142&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,678&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,398&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,472&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,890&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">1,383</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">632</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">17,315</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,080</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">76,431</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">91,501</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">41</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Senior Executives includes employees with job profiles under the following harmonized management levels: Senior Executive VP. Executive VP and VP. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Other Executives includes Directors, Mangers, Experts and Branch Managers.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: This includes employees related to the Group's business held for sale in Poland.</span></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfTermsAndConditionsOfDeferredVariableRemunerationPlansTableTextBlock', window );">Schedule of deferred variable remuneration systems</a></td>
<td class="text">The characteristics of the plans are set forth below: <div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.235%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Deferred variable remuneration systems</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Description and plan beneficiaries</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Conditions</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Calculation Base</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(i) Deferred and conditional variable remuneration plan (2015, 2016, 2017, 2018, 2019, 2020, 2021,  2022, 2023, 2024 and 2025)</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The purpose of these cycles is to defer a portion of the variable remuneration of the beneficiaries over a period of three years for the sixth cycles, over <span style="-sec-ix-hidden:f-10847">three</span> or five years for the fifth, seventh, eighth, ninth, tenth and eleventh cycles, and over <span style="-sec-ix-hidden:f-10849">four</span> or five years for the twelfth cycle, for it to be paid, where appropriate, in cash and in Santander shares. The other portion of the variable remuneration is also to be paid in cash and Santander shares, upon commencement of the cycles, in accordance with the rules set forth below.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Beneficiaries:</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Executive directors and certain executives (including senior management) and employees who assume risk, who perform control functions or receive an overall remuneration which puts them on the same remuneration level as executives and employees who assume risks (fifth cycle).</span></div><div><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">In the case of the sixth, seventh, eighth, ninth, tenth, eleventh twelfth, thirteenth, fourteenth and fifteenth cycle the beneficiaries are Material Risk Takers (Identified staff) that are not beneficiaries of the Deferred Multiyear Objectives Variable Remuneration Plan.</span></div><div><span><br/></span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">For the fifth and sixth cycles (2015 to 2016), the accrual of the deferred compensation is conditioned, in addition to the requirement that the beneficiary remains in the Group's employ, with the exceptions included in the plan regulations on none of the following circumstances existing during the period prior to each delivery, pursuant to the provisions set forth in each case in the plan regulations: </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Poor financial performance of the Group.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Breach by the beneficiary of internal regulations, including, in particular, those relating to risks.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Material restatement of the Group's consolidated financial statements, except when it is required pursuant to a change in accounting standards.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Significant changes in the Group&#8217;s economic capital or risk profile</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In the case of the seventh, eighth, ninth, tenth, eleventh, twelfth, thirteenth, fourteenth and fifteenth cycles, the accrual of deferred compensation is conditioned, in addition to the permanence of the beneficiary in the Group, with the exceptions contained in the plan's regulations, to non-occurrence of a poor performance of the entity as a whole or of a specific division or area of the entity or of the exposures generated by the personnel:</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">i.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:10.75pt">significant failures in risk management by the entity , or by a business unit or risk control unit.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">ii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:9.1pt">the increase suffered by the entity or by a business unit of its capital needs, not foreseen at the time of generation of the exposures.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">iii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.45pt">Regulatory sanctions or judicial sentences for events that could be attributable to the unit or the personnel responsible for those. Also, the breach of internal codes of conduct of the entity.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">iv.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.47pt">Irregular behaviours, whether individual or collective, considering in particular the negative effects derived from the marketing of inappropriate products and the responsibilities of the persons or bodies that made those decisions.</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Fifth cycle (2015):</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Executive directors and members of the Identified Staff with total variable remuneration higher than 2.6 million euros: 40% paid immediately and 60% deferred over 5 years deferral period.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Division managers, country heads (of countries which represent at least 1% of Group's economic capital), other executives of the Group with a similar profile and members of the Identified Staff  with total variable remuneration between 1.7 million euros (1.8 million in fourth cycle) and 2.6 million euros: 50% paid immediately and 50% deferred over  5 years (fifth cycle)</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Other beneficiaries: 60% paid immediately and 40% deferred over 3 years.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Sixth cycle (2016):</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">60% of bonus will be paid immediately and 40%  deferred over a <span style="-sec-ix-hidden:f-10867">three</span> year period.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Seventh, eighth, ninth, tenth and eleventh cycle (2017, 2018, 2019, 2020 and 2021):</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Beneficiaries of these plans with target total variable remuneration higher or equal to 2.7 million euros: 40%  paid immediately and 60% deferred over 5 years</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Beneficiaries of these plans with target total variable remuneration between 1.7 million euros and 2.7 million euros: 50% paid immediately and 50%paid over 5 years</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Other beneficiaries of these plans: 60% paid immediately and 40% deferred over 3 years.</span></div><div style="text-indent:10.91pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Twelfth (2022), thirteenth (2023),fourteenth (2024) and fifteenth (2025) cycle:</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Beneficiaries of these plans with target total variable remuneration higher or equal to 2.7 million euros: 40% paid immediately and 60% deferred over 5 years</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Beneficiaries of these plans with target total variable remuneration between 1.7 million euros and 2.7 million euros: 50% paid immediately and 50% paid over 5 years</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Other beneficiaries of these plans: 60% paid immediately and 40% deferred over 4 years.</span></div><div style="text-indent:10.91pt"><span><br/></span></div><div style="text-indent:10.91pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">T</span></div><div style="text-indent:10.91pt"><span><br/></span></div><div style="text-indent:10.91pt"><span><br/></span></div></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:99.871%"><tr><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.235%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Deferred variable remuneration systems</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Description and plan beneficiaries</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Conditions</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Calculation Base</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(ii)Deferred Multiyear Objectives Variable Remuneration Plan (2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024 and 2025)</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The aim is simplifying the remuneration structure, improving the ex ante risk adjustment and increasing the impact of the long-term objectives on the Group&#8217;s most relevant roles. The purpose of these cycles is to defer a portion of the variable remuneration of the beneficiaries over a period of <span style="-sec-ix-hidden:f-10914">three</span> or five years (<span style="-sec-ix-hidden:f-10916">four</span> or five years for the seventh cycle) for it to be paid, where appropriate, in cash and in Santander shares; the other portion of the variable remuneration is also to be paid in cash and Santander shares (regarding the instruments part, executive directors in the seventh cycle have the opportunity to choose all in share options or half in share options and half in shares), upon commencement of the cycles, in accordance with the rules set forth below. The accrual of the last third of the deferral (in the case of 3 years deferral), the last 2 fourths (in the case of 4 years deferral) and the last three fifths (in the case of 5 years deferral) is also subject to long-term objectives.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%">Beneficiaries</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Executive directors, senior management and certain executives of the Group&#8217;s first lines of responsibility.</span></div><div><span><br/></span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In 2016 the accrual is conditioned, in addition to the permanence of the beneficiary in the Group, with the exceptions contained in the plan&#8217;s regulations, to non-occurrence of the following circumstances during the period prior to each of the deliveries in the terms set forth in each case in the plan&#8217;s regulations: </span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">i.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:10.75pt">Poor performance of the Group.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">ii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:9.1pt">Breach by the beneficiary of the internal regulations, including in particular that relating to risks.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">iii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.45pt">Material restatement of the Group&#8217;s consolidated financial statements, except when appropriate under a change in accounting regulations.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">iv.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.47pt">Significant changes in the Group&#8217;s economic capital or risk profile. </span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In 2017, 2018, 2019, 2020 and 2021 the accrual is conditioned, in addition to the beneficiary' permanence in the Group, with the exceptions contained in the plan&#8217;s regulations, to the non-occurrence of poor financial performance from the entity as a whole or of a specific division or area thereof or of the exposures generated by the personnel, taking into account the following factors:</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">v.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:9.12pt">Significant failures in risk management committed by the entity, or by a business unit or risk control unit.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">vi.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.47pt">the increase suffered by the entity or by a business unit of its capital needs, not foreseen at the time of generation of the exposures.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">vii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:5.82pt">Regulatory sanctions or court rulings for events that could be attributable to the unit or the  personnel responsible for those. Also, the breach  of internal codes of conduct of the entity.</span></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">viii.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:4.17pt">Irregular behaviours, whether individual or collective, considering in particular negative effects derived from the marketing of inappropriate products and responsibilities of persons or bodies that made those decisions.</span></div><div style="text-indent:3.83pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#160;</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Paid half in cash and half in shares. In the seventh cycle, and only for executive directors: half in cash and 25% in share options and 25% in shares (unless the director chooses to receive options only). The maximum number of shares to be delivered is calculated by taking into account the weighted average daily volume of weighted average prices for the fifteen trading sessions prior to the previous Friday (excluding) on the date on which the board decides the bonus for the Executive directors of the Bank. </span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In the eighth cycle, and for all Identified Staff: half in cash and 25% in shares and 25% in share options, or half in cash and half in shares, according to each executive&#180;s choice.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In the ninth and tenth cycle, half in cash and  half in shares.</span></div><div><span><br/></span></div><div><span><br/></span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">First cycle (2016): </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Executive directors and members of the Identified Staff with total variable remuneration higher than or equal to 2.7 million euros: 40% paid immediately and 60% deferred over a 5  year period. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Senior managers, country heads of countries representing at least 1% of the Group&#180;s capital and other members of the identified staff whose total variable remuneration is between 1.7 million and 2.7 million euros: 50% paid immediately and 50% deferred over a 5 year period. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Other beneficiaries: 60% paid immediately and 40% deferred over a 3 year period. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The second, third, fourth, fifth and sixth cycles (2017, 2018, 2019,2020 and 2021 respectively) are under the aforementioned deferral rules, except that the  variable remuneration considered is the target for each executive and not the actual award. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In 2016 the metrics for the deferred portion subject to long-term objectives (last third or last three fifths, respectively, for the cases of three years and five years deferrals) are: </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Earnings per share (EPS) growth in 2018 over 2015. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Relative Total Shareholder Return (TSR) in the 2016-2018 period measured against a group of credit institutions. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Compliance with the fully-loaded common equity tier 1 ('CET1') ratio target for financial year 2018. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Compliance with Grupo Santander&#8217;s underlying return on risk-weighted assets ('RoRWA') growth target for financial year 2018 compared to financial year 2015. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In the second, third, fourth, fifth and sixth cycle (2017, 2018, 2019, 2020 and 2021) the metrics for the deferred portion subject to long-term objectives (last third or last three fifths, respectively, for the cases of three years and five years deferrals) are: </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">EPS growth in 2019, 2020, 2021, 2022 and 2023 (over 2016, 2017, 2018, 2019 and 2020, for each respective cycle)</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Relative Total Shareholder Return (TSR) measured against a group of 17 credit institutions (second and third cycles) in the periods 2017-2019 and 2018-2019, respectively, and against a group of 9 entities (fourth, fifth and sixth cycle) for the 2019-2021, 2020-2022 and 2010-2023  period. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Compliance with the fully-loaded common equity tier 1 ('CET1') ratio target for financial years 2019, 2020, 2021,2022 and 2023, respectively. </span></div><div style="text-indent:9pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">In the seventh (2022), eighth cycle (2023), ninth (2025) and tenth cycle (2025), the metrics for the deferred portion subject to long-term objectives (two last fourths and last three fifths, for the cases of four years and five years deferrals) are:</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Banco Santander's consolidated Return on tangible equity (RoTE) target in 2024 (7th cycle),  2025 (8th cycle), 2026 (9th cycle) and 2027 (10th cycle).</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Relative Total Shareholder Return (TSR) measured against a group of 9 credit institutions for the period 2022-2024 (7th cycle), 2023-2025 (8th cycle), 2024-2026 (9th cycle) and 2025-2027 (10th cycle).</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt">Progress level  in the  public targets of our Sustainability agenda.</span></div></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:99.871%"><tr><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:32.235%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Deferred variable remuneration systems</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Description and plan beneficiaries</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Conditions</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Calculation Base</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(iii) Digital Transformation Award (2019, 2020 and 2021)</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The 2019, 2020 and 2021 Digital Transformation Incentive (the 'Digital Incentive') is a variable remuneration system that includes the delivery of Santander shares and share options.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The aim of the Digital Incentive is to attract and retain the critical skill sets to support and accelerate the digital transformation of the Group. By means of this program, the Group offers a remuneration element which is competitive with the remuneration systems offered  by other market operators who also compete for digital talent.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The number of beneficiaries is limited to a maximum of 250 employees and the total amount of the incentive is limited to 30 million euros.</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The funding of this incentive is subject to meeting important milestones that are aligned with the Group&#180;s digital roadmap and have been approved by the board of directors, taking into account the digitalization strategy of the Group, with the aim of becoming the best open, responsible global financial services platform.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Performance of 2019 incentive was measured based on achievement of the following milestones: (i) Launch of a Global Trade Services (GTS) platform; (ii) launch of a Global Merchant Services (GMS) platform; (iii) migration of our fully digital bank, OpenBank, to a 'next generation' platform and launch in 3 markets; (iv) extension of SuperDigital in Brazil to at least one other country; (v) and launch of our international payments app based on blockchain Pago FX to non-Santander customers.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The milestones for the 2020 Digital Transformation Award were: (i) rolling out the global merchant services (GMS) platform in 3 new geographies, enhancing the platform functionality and achieving volume targets for transactions and participating merchants; (ii) doing the commercial rollout of the global trade services (GTS) platform in 8 new geographies, enhancing platform functionality, and achieving  volume targets for on-boarded clients and monthly active users; (iii) launching OpenBank in a new market and migrating the retail banking infrastructure to 'new-mode' bank; (iv) launch the global platform SuperDigital in at least 4 countries, driving target active user growth; (v) deploying machine learning across pre-defined markets for 4 priority use cases, rolling out Conversion Rate Optimization (Digital marketing) for at least 40 sales programs, delivering profit targets, and driving reduction of agent handled calls in contact centers; (vi) successfully implementing initiatives related to on-board and identity services, common API (application programming interface) layer, payment hubs, mobile app for SMEs and virtual assistant services; and (vii) launching the PagoFX global platform in at least 4 countries.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The milestones for 2021 were: (i)in relation to Pago Nxt Consumer payment platform: implementation of Superdigital platform in seven countries, acquisition of over 1.5 million active customer base and accelerating growth through B2B (business to business) and B2B2C (business to business to customer) partnerships, acquiring more than 50% of the new customers through these channels, which are more cost-effective; (ii)in relation to Digital Consumer Bank: launching online API for checkout lending in the European Union and completion of controllable items for Openbank launch in USA; (iii)in relation to One Santander strategy: implementation in Europe of One Common Mobile Experience and, specifically, implementation of Europe ONE app for individual customers in at least three of the four countries by December 2021; and be among the three-top rated entities in terms of Mobile NetPromoter Score (Mobile NPS) in at least two of the four countries by December 2021; (iv) In relation to cloud adoption: host 75% of migratable virtual machines on cloud technology (either public cloud or OHE) by December 2021. For these purposes, mainframes, physical servers and servers with non-x86 operating systems will be considered non-migratable. </span></div><div><span><br/></span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The Digital Incentive is structured 50% in Santander shares and 50% in options over Santander shares, taking into account the fair value of the option at the moment in which they are granted. For Material Risk Takers subject to five years deferrals, the Digital Incentive (shares and options over shares) shall be delivered in thirds, on the third, fourth and fifth anniversary from their granting. For Material Risk Takers subject to three years deferrals and employees not subject to deferrals, delivery shall be done on the third anniversary from their granting.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Any delivery of shares, either directly or via exercise of options overs shares, will be subject generally to the Group&#8217;s general </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:110%">malus</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"> &amp; </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:110%">clawback</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"> provisions as described in the Group&#8217;s remuneration policy and to the continuity of the beneficiary within the Grupo Santander. In this regard, the board may define specific rules for non-Identified Staff.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Vested share options can be exercised until maturity, with all options lapsing after ten years (for granting the 2019 incentive) and eight years (for granting the 2020 and 2021 incentive).</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The total achievement for 2021 Digital Incentive was 77.5% (85% en 2020 and 83% en 2019).</span></div></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:99.871%"><tr><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:31.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.605%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Deferred variable remuneration systems</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Description and plan beneficiaries</span></div></td><td colspan="3" style="padding:2px 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:105%">Conditions</span></td><td colspan="3" style="padding:2px 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:105%">Calculation base</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(iv) Digital Transformation Award (2022)</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The board of directors approved the 2022 Digital</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Transformation Incentive. It is a variable remuneration scheme</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">splits in two different blocks:</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226; The first one, with the same mechanism than previous years,</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">that delivers Santander shares and share options if the group hits major milestones on its digital roadmap. This is aimed at a group of up to 250 (is limited to 30 million euros)employees whose functions are deemed essential to Santander&#8217;s growth.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">&#8226; And the second one, which delivers PagoNxt, S.L. RSUs and premium prices options (PPOs), and is aimed at up to 50</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">employees (and limited to 15 million euros) whose roles are considered key to PagoNxt&#8217;s success.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The aim of the Digital Incentive is to attract and retain the critical skill sets to support and accelerate the digital transformation of the Group. By means of this program, the Group offers a remuneration element which is competitive with the remuneration systems offered  by other market operators who also compete for digital talent.</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Performance of the first block of the  incentive shall be measured based on achievement of the following milestones:</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">i. Edelweiss: Our Santander future retail architecture EDELWEISS will mean moving from our current Core centric banking architecture towards a Customer and Data-Centric Core supported by lean Record Processing engines. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">ii. Simplification: Speed up the simplification of our technology platform and business model by Reducing the total number of applications in production and reducing number of products in the regions.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">iii. Agile: Agile ways of working enable a better and faster reaction to customers&#8217; needs and is based on a value-driven delivery that increases efficiency by reducing time-to-market and development costs, and increasing quality. People working in Agile are more collaborative, engaged, empowered and creative. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">iv. In Digital Consumer Bank:</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">a) To create the BNPL platform connected to at least one merchant in Netherlands and Germany, and to make sure the platform is ready to connect in Spain.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">b) To support the definition of Openbank US&#8217;s IT digital strategy and achieve 2022 milestones in it.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">c) To have the new leasing platform connected to dealers in Italy.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">d) To expand the Wabi B2B online business to Germany. To execute the first B2B deal with an Original Equipment Manufacturer or mobility player in at least one country. To expand coches.com business and platform to Portugal.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">And in regard to the second block of digital incentive: the consolidation of PagoNxt Core Perimeter.</span></div><div><span><br/></span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The first block of thee Digital Incentive is structured 50% in Santander shares and 50% in options over Santander shares, taking into account the fair value of the option at the moment in which they are granted. For Material Risk Takers subject to five years deferrals, the Digital Incentive (shares and options over shares) shall be delivered in thirds, on the third, fourth and fifth anniversary from their granting. For Material Risk Takers subject to three years deferrals and employees not subject to deferrals, delivery shall be done on the third anniversary from their granting.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Any delivery of shares, either directly or via exercise of options overs shares, will be subject generally to the Group&#8217;s general </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:110%">malus</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"> &amp; </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:110%">clawback</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"> provisions as described in the Group&#8217;s remuneration policy and to the continuity of the beneficiary within the Grupo Santander. In this regard, the board may define specific rules for non-Identified Staff.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Vested share options can be exercised until maturity, with all options lapsing after ten years.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The total achievement for 2022 Digital Incentive was 96.5%.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The second block of Digital Incentive is structures in restricted stock units (RSUs) and premium priced Options (PPOs) of PagoNxt S.L. in a percentage determined by the internal category of the beneficiary. The total achievement for 2022 was 100%.</span></div></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:99.871%"><tr><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:31.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.605%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Deferred variable remuneration systems</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Description and plan beneficiaries</span></div></td><td colspan="3" style="padding:2px 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:105%">Conditions</span></td><td colspan="3" style="padding:2px 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:105%">Calculation base</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(v) Digital Transformation Award (2023)</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The board of directors approved the 2023 Digital</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">Transformation Incentive. It is a variable remuneration scheme  which delivers PagoNxt, S.L. RSUs and premium prices options (PPOs), and is aimed at up to 50</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">employees (and limited to 15 million euros) whose roles are considered key to PagoNxt&#8217;s success.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">With this program, the Group offers a remuneration element which is competitive with the remuneration systems offered  by other market operators who also compete for digital talent.</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">And the performance conditions were focus on key digital projects related with PagoNxt's main businesses (Trade, Merchant and Payments) in its core geographies.<br/></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">This incentive  is structures in restricted stock units (RSUs) and premium priced Options (PPOs) of PagoNxt S.L. in a percentage determined by the internal category of the beneficiary. The average achievement for 2023 was 88%.</span></div></td></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:31.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.605%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Deferred variable remuneration systems</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;padding-right:4.5pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Description and plan beneficiaries</span></div></td><td colspan="3" style="padding:2px 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:105%">Conditions</span></td><td colspan="3" style="padding:2px 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:105%">Calculation base</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">(vi) PagoNxt incentive Plan 2024 and 2025 for Santander executives)</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">The board of directors approved the PagoNxt incentive Plan 2024 and 2025 Incentive. It is a variable remuneration scheme  which delivers PagoNxt, S.L. RSUs, and is aimed at approximately  to 50 - 60 employees whose roles are considered key to PagoNxt&#8217;s success.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">With this program, the Group offers a remuneration element which is competitive with the remuneration systems offered  by other market operators who also compete for digital talent.</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">And the performance conditions were focus on key digital projects related with PagoNxt's main businesses (Trade, Merchant and Payments) in its core geographies.<br/></span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:3pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%">This incentive  is structures in restricted stock units (RSUs) of PagoNxt S.L. in a percentage determined by the internal category of the beneficiary. The average achievement for 2024 was 77% and 85% in 2025.</span></div></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNumberAndWeightedAverageExercisePricesOfShareOptionsExplanatory', window );">Schedule of options activity</a></td>
<td class="text"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The long-term incentive plans on shares of the Bank granted by management of Santander UK plc to its employees are 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:33.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.348%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Number of shares (in thousand)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Exercise price&#160;in pounds sterling</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="padding:2px 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:105%">Year granted</span></td><td colspan="3" style="padding:2px 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:105%">Employee group</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Number of persons</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="padding:2px 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:105%">Date of commencement of&#160;exercise period</span></td><td colspan="3" style="padding:2px 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:105%">Date of expiry of exercise period</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Plans outstanding at 01/01/2023</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">29,988</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Options granted (sharesave)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,175&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.78&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Employees</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,752&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/23</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/26</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/23</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/28</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Options exercised</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,980)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Options cancelled (net) or not exercised</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,044)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.53&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Plans outstanding at 31/12/2023</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">27,139</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Options granted (sharesave)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,991&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.36&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Employees</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,107&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/24</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/27</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/24</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/29</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Options exercised</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,004)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Options cancelled (net) or not exercised</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,437)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.37&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Plans outstanding at 31/12/2024</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">25,689</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Options granted (sharesave)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,324&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.35&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Employees</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,637&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/25</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">01/11/28</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Options exercised</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9,966)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Options cancelled (net) or not exercised</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,554)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.88&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Plans outstanding at 31/12/2025</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,493</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">At  31 December,&#160;2025, 2024 and 2023, the euro/pound sterling exchange rate was 1.15, 1.21 and 1.15 , respectively.</span></div><div style="margin-bottom:12pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Number of accounts/contracts. A single employee may have more than one account/contract.</span></div><span></span>
</td>
</tr>
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<div style="display: none;">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of the number and weighted average exercise prices of share options. [Refer: Weighted average [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 2<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=2&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of detailed information about the functional breakdown of employment by gender.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other general administrative expenses (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SellingGeneralAndAdministrativeExpenseAbstract', window );"><strong>Selling, general and administrative expense [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfOtherGeneralAndAdministrativeExpenseTableTextBlock', window );">Schedule of detail of other general administrative expenses</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Other general administrative expenses 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:55.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Technology and systems</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,298&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,539&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,389&#160;</span></td><td style="border-top:0.5pt solid 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">797&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">774&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Technical reports</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">712&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">724&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">796&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Advertising</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">517&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">512&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">574&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Taxes other than income tax</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">543&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">554&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Communications</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">367&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">387&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">400&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Surveillance and cash courier services</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">314&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">337&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">325&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Per diems and travel expenses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">250&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">232&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">213&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Insurance premiums</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">86&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">95&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other administrative expenses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,055&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,008&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,172&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,945</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,185</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,299</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfTechnicalReportsAndOtherTableTextBlock', window );">Schedule of technical reports includes the fees paid by various Group companies</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Technical reports include the fees from the various Group companies (detailed in the accompanying appendices) for the services provided by their respective auditors, with the following detail:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:61.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.248%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Audit </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">118.5&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">122.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Audit-related services</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tax services</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">All other </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">140.7</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">144.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">133.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfNumberOfOfficesTableTextBlock', window );">Schedule of number of offices</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The number of offices according to their geographical location at 31 December 2025, 2024 and 2023 is as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:59.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.173%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Number of branches</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" rowspan="2" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Group</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Spain </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,674&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,877&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,924&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,450&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,594&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,124</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,518</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">A. </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">Includes branches in Spain of the Digital Consumer Bank business.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: Branches corresponding to the Group's business held for sale in Poland are included.</span></div><div style="text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">     Note: The figures for 2025 and 2024 include CartaSur points of sale and banking service points (PAB) in Argentina and exclude operational points that do not provide customer service in Colombia.</span></div><span></span>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of offices.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The tabular disclosure of other general and administrative expenses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The tabular disclosure of technical reports includes the fees paid by the various Group companies.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>188
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<TEXT>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Gains or losses on non financial assets, net (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssetsAbstract', window );"><strong>Gains (losses) on disposals of non-current assets [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTableTextBlock', window );">Detail of gains (losses) on disposal of assets not classified as non-current assets held for sale</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Gains/ (losses) on disposal of assets not classified as non-current assets held for sale 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:61.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.319%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.171%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.248%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gains</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tangible and intangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">65&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Investments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">360&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">285&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">82</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">408</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">338</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Losses</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tangible and intangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(41)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(36)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Investments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(41)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(82)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(40)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(26)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">368</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">312</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssetsAbstract">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssetsAbstract</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The tabular disclosure of gains (losses) on disposal of assets not classified as held for sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>189
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Gains or losses on non-current assets held for sale not classified as discontinued operations (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract', window );"><strong>Non-current assets or disposal groups classified as held for sale or as held for distribution to owners [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTableTextBlock', window );">Schedule of gains or losses on non-current assets held for sale that were not classified as discontinued operations</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of Gains/(losses) on non-current assets held for sale not classified as discontinued operations 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:61.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.245%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.248%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Net balance</span></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Impairment (Note 12)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(72)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(92)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(51)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Gain (loss) on sale (Note 12)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">66&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">68&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">31&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains and other losses</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">232&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #dbdbdb;padding:2px 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-style:italic;font-weight:400;line-height:105%">&#160;&#160;&#160;Caceis (Note 3)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">231&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #dbdbdb;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #dbdbdb;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">226</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">(27)</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 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:105%">(20)</span></td></tr></table></div><span></span>
</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular information on gains or losses on non-current assets held for sale that were not classified as discontinued operations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair value of financial instruments (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FairValueOfFinancialInstrumentsAbstract', window );"><strong>Fair Value of Financial Instruments [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesTableTextBlock', window );">Schedule of fair values of financial assets and liabilities</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table summarises the fair values, at the end of each of the years indicated, of the financial assets and liabilities listed below, classified according to the different valuation methodologies used by the Group to determine their fair value:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:28.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.163%"></td><td style="width:0.1%"></td></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 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:105%">2025</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Published<br/>price<br/>quotations<br/>in active<br/>markets<br/>(level 1)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Internal<br/>Models<br/>(level 2<br/>and 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Published<br/>price<br/>quotations<br/>in active<br/>markets<br/>(level 1)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Internal<br/>Models<br/>(level 2<br/>and 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Published<br/>price<br/>quotations<br/>in active<br/>markets<br/>(level 1)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Internal<br/>Models<br/>(level 2<br/>and 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">106,560&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">145,758&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">252,318&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88,147&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">142,106&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">230,253&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">67,842&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">109,079&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">176,921&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,407&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,354&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,761&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,037&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,093&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,130&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,765&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,145&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,910&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,860&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,186&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,046&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,744&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,171&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,915&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,746&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,027&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,773&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">52,589&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,023&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">74,612&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">67,680&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,218&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">89,898&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64,631&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,677&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">83,308&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives (assets)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,931&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,931&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,672&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,672&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,297&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,297&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37,192&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">134,354&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">171,546&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,974&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">122,177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152,151&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,298&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">101,972&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">122,270&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial liabilities designated at fair value through profit or loss</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,148&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,148&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,360&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,360&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,342&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,367&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives (liabilities)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,248&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,248&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,752&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,752&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,656&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,656&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Liabilities under insurance contracts</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,737&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,737&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,829&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,829&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,799&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,799&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfFairValueOfFinancialInstrumentsMeasurementBasedOnInternalModelsTableTextBlock', window );">Schedule of financial instruments at fair value whose measurement was based on internal models (Levels 2 and 3)</a></td>
<td class="text"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Set forth below are the financial instruments at fair value whose measurement was based on internal models (levels 2 and 3) at 31 December 2025, 2024 and 2023:</span></div><div style="margin-bottom:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:30.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.085%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.087%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair&#160;values&#160;calculated<br/>using internal models at</span></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="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></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-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level&#160;2 </span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level&#160;3 </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Valuation&#160;techniques</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Main assumptions</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">ASSETS</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">163,796</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,487</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">139,293</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6,496</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,191&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">441&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,815&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,986&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,592&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt and equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,470&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">340&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56,831&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">971&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">39,716&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">551&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method, Gaussian Copula</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices, HPI, Basis, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,332&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Black-Scholes Model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Volatility surfaces, FX market prices, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,490&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Black's Model, multifactorial advanced models interest rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Volatility surfaces, FX market prices, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate forwards</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">439&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Black's Model, multifactorial advanced models interest rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Volatility surfaces, FX &amp; EQ market prices, Dividends,  Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">13,677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">222&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method, Advanced stochastic volatility models and other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Volatility surfaces, FX and EQ market prices, Dividends, Correlation, HPI, Credit, Others</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,924</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,690&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices, Basis</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">91&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Black's Model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices, Volatility surfaces</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">143&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method, Advanced stochastic volatility models and other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Volatility surfaces, FX market prices, Credit, Liquidity, Others</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,465</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,889</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">899&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,543&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Market price, Interest rates curves, Dividends and Others</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">54&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">175&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and receivables</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,512&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">171&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method, swap asset model &amp; CDS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves and Credit curves</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,152</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">34</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">413&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices, HPI</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,725&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices </span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial assets  at fair value through other comprehensive  income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,962</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9,061</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Equity instruments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">272&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Market price, Dividends and Others</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,819&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">887&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and receivables</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,124&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,902&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices and Credit curves</span></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:99.723%"><tr><td style="width:1.0%"></td><td style="width:30.799%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.989%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.989%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.541%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.490%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.492%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair&#160;values&#160;calculated<br/>using internal models at</span></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="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></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-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level&#160;2 </span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level&#160;3 </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Valuation&#160;techniques</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Main assumptions</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">LIABILITIES</span></div></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">198,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,110</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial liabilities held for trading</span></div></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">133,490</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">864</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,385&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">FX market prices, Yield curves</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,058&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">FX market prices, Yield curves</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">FX market prices, Yield curves</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50,248&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">864&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">33,597&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">418&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method, Gaussian Copula</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices, Basis, Liquidity, HPI</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">903&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Black's Model, multifactorial advanced models interest rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Volatility surfaces, FX &amp; EQ market prices, Dividends,  Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Forwards on interest rate and variable income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,951&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">95&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Black-Scholes Model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Volatility surfaces, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,094&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">151&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Black-Scholes Model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, FX market prices, Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate and equity futures</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">121&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Volatility surfaces, FX &amp; EQ market prices, Dividends, Correlation, Liquidity, HPI</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">12,582&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">166&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method, Advanced stochastic volatility models and others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves, Volatility surfaces, FX &amp; EQ market prices, Dividends, Correlation, HPI, Credit, Others</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Short positions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,679&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves ,FX market prices, Equity</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,229</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">19</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Swaps</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">4,191&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate options</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Black's Model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves , Volatility surfaces, FX market prices and Liquidity</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">38&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method, Advanced stochastic volatility models and other</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Yield curves , Volatility surfaces, FX market prices, Credit, Liquidity, Other</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">42,148</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:105%">Yield curves, FX market prices</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Liabilities under insurance contracts</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18,510</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">227</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Present Value Method with actuarial techniques</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:105%">Mortality tables and interest rate curves</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Level 2 internal models use data based on observable market parameters, while level 3 internal models use significant non-observable inputs in market data.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Includes mainly temporary acquisitions/disposals of assets with corporate clients and, to a lesser extent, with central banks.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Includes mainly syndicated loans under the HTC&amp;S business model.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">It mainly includes short-term deposits that are managed based on 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:29.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:28.090%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair values calculated<br/>using internal models at</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair values calculated<br/>using internal models at</span></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="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level 3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Level 3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Valuation techniques</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ASSETS</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">163,941</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,319</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">133,874</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,351</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">138,176</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">3,930</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">106,993</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">2,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></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:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,966&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,717&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,546&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">769</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,061&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,602&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,801</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,418&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt and equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,115&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">413</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,683&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">915</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,947&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">947</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,114&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,147</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">47,519&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">556</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">44,987&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">577</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method, Gaussian Copula</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,583&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">2</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">836&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">9</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Black-Scholes Model</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,879&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">30</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,210&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">153</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Black's Model, advanced multifactor interest rate models</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate forwards</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,445&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">465&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">241</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">126&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">235</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Black's Model, advanced multifactor interest rate models</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,056&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">118</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,922&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">173</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method, Advanced stochastic volatility models and other</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,652</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,297</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 8.08pt;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:105%">Swaps</span></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">5,390&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">4,665&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Black&#8217;s Model</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">260&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">630&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method, Advanced stochastic volatility models and other</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,505</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,588</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,050</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,095</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">763&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,841&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">815&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,495&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities issued</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">205&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">242&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">539&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">313&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and receivables</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">537&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">505&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">696&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">287&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method, swap asset model &amp; CDS</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,065</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">106</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,846</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">181</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">408&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">459&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,590&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,189&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">67&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">86&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">198&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">150&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial assets  at fair value through other comprehensive  income</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,543</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,675</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,688</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,989</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Equity instruments</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">375&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">492&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,644&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,047&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,638&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">559&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and receivables</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,894&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,253&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,045&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,938&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Present Value method</span></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:99.871%"><tr><td style="width:1.0%"></td><td style="width:30.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:27.053%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair values calculated<br/>using internal models at</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Fair values calculated<br/>using internal models at</span></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="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></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 #ec0000;padding:2px 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:105%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level 3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level 3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Valuation techniques</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">LIABILITIES</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">179,766</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,352</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">166,542</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,227</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">121,243</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">934</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">101,103</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">869</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,300&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,808&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,284&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,862&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,984&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,837&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56,205&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">934</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">49,380&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">869&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">41,283&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">479</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39,395&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">388&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method, Gaussian Copula</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,295&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">79</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,207&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Black's Model, advanced multifactor interest rate models</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,057&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">549&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Black-Scholes Model</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">294</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">466&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">187&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Black's Model, advanced multifactor interest rate models</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Forwards on interest rate and variable income</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,276&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">101&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,134&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">82</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,662&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">147&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method, Advanced stochastic volatility models and other</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Short positions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,470&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,216&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,740</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,650</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,618&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 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:105%">12</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,866&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Black&#8217;s Model</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">119&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">783&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method, Advanced stochastic volatility models and other</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Financial liabilities designated at fair value through profit or loss</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36,200</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 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:105%">160</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40,313</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Present Value method</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Liabilities under insurance contracts</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,583</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 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:105%">246</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,476</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">323</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Present Value method with actuarial techniques</span></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Level 2 internal models use data based on observable market parameters, while level 3 internal models use significant non-observable inputs in market data.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Includes mainly temporary acquisitions/disposals of assets with corporate clients and, to a lesser extent, with central banks. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Includes mainly syndicated loans under the HTC&amp;S business model.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Includes, mainly, short-term deposits that are managed based on their fair value.</span></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementsOfAssetsAndLiabilitiesTableTextBlock', window );">Schedule of effect on fair value of financial instruments classified as Level 3 of a reasonable change in the assumptions used in the valuation</a></td>
<td class="text"><div style="margin-bottom:9pt;padding-right:260.79pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The table below shows the effect, at 31 December 2025, 2024 and 2023 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.644%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">2025</span></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="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 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:105%">Portfolio/Instrument</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Valuation technique</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Main unobservable inputs</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Range</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Weighted average</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impacts (EUR million)</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(Level 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Unfavourable scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Favourable scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets held for trading</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Repos/Reverse repos</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market proxy</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price / Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(10.50)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10.50&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Corporate debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 10%</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5.10%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2.24)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2.29&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Government debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discount curve</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 8%</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.00%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(9.21)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">9.24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">35.50%</span></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1.32)</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.62&#160;</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Derivatives</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Modelo de Black Scholes</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(6.50)bps - 6.50bps</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">bps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.38)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.52&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">CCS</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">146.3% - 148.3%</span></div></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">147.30</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.01)</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.01&#160;</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 70%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">40.50</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.17)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Local volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(18.86)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">18.86&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Fx Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Fx option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 40%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">19.80</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.49&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Forward</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 15%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8.10</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.01)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.02&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Asset Swap model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2% - 8%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.90</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.18)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 30%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14.80</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.19)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">INF option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 30%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14.90</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.63)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.63&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5% - n.a.</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(11.24)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8.23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">19.6% - 127.5%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50.50</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2.1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.84&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.0% - 99.0%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">99.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">60bps - 300bps</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">179.80bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(3.48)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Property derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)% - 5%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2.64)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2.64&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Securitisation Swap</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Constant prepayment rates</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets designated at fair value through profit or loss</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spreads</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.1% - 3%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.60</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.12)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.12&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage portfolio</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Black Scholes model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)% - 5%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.23)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other debt securities</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 8%</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.10</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.643%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">2025</span></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="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 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:105%">Portfolio/Instrument</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Valuation technique</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Main unobservable inputs</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Range</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Weighted average</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impacts (EUR million)</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(Level 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Unfavourable scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Favourable scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Non-trading financial assets mandatorily at fair value through profit or loss</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Property securities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Probability weighting</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)% - 5%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.11)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.11&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Equity instruments</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">90% - 110%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(254.29)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">254.29&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets at fair value through other comprehensive income</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2.33)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2.33&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate curve</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">6.1% - 7.2%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">6.60</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Margin of a reference portfolio</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3% - 7%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.25)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Present value method</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">121.9bps - 174.7 bps</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">121.9bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1.6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.3)% - 0.1%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.30</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2.70)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.54&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage Letters</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage Letters</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.4% - 5.5%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.50</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Equity instruments</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">90% - 110%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(27.16)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">27.16&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial liabilities held for trading</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Derivatives</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">43.80</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.09)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.07&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">42.30</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.33)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1% - 99%</span></div></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50.40</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1.38)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.40&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit Spread</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8.4bps - 19.2bps</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10.70bps</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2.42)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.66&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.644%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">2024</span></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="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 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:105%">Portfolio/Instrument</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Valuation technique</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Main unobservable inputs</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Range</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Weighted average</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impacts (EUR million)</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(Level 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Unfavourable scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Favourable scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets held for trading</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Repos/Reverse repos</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Long-term repo spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.05)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Corporate debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 10%</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5.10%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2.24)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2.29&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Government debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discount curve</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 8%</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.00%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(9.21)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">9.24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">35.50%</span></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1.32)</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.62&#160;</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Derivatives</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2)bps - 2bps</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">bps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">CCS</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">158% - 165%</span></div></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">161.50</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.01)</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.01&#160;</span></td><td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">CDS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">100% - 250%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">178.83</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.09)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 70%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">41.25</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.48)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.69&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Local volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(21.54)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">21.54&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Forward</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 15%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8.08</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.06)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.07&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 40%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">20.10</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.65)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.66&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Asset Swap model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2% - 8%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.78</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.21)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.18&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 30%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">17.34</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5% - n.a.</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4.09)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">47.8% - 273.4%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">155.36</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1.91)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.74&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Swap rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1% - 99%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">49.58</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2.45)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2.41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">60bps - 300bps</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">181.50bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(3.00)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.08&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Property derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)% - 5%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(3.39)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Securitisation Swap</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Constant prepayment rates</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.63)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.63&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets designated at fair value through profit or loss</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spreads</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.1% - 2.0%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.05</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.15)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.15&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage portfolio</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Black Scholes model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)% - 5%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.24)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other debt securities</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 8%</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.96</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(3.63)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.55&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.643%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">2024</span></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="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 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:105%">Portfolio/Instrument</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Valuation technique</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Main unobservable inputs</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Range</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Weighted average</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impacts (EUR million)</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(Level 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Unfavourable scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Favourable scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Non-trading financial assets mandatorily at fair value through profit or loss</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Property securities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Probability weighting</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)% - 5%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.24)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.24&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Equity instruments</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">90% - 110%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(183.98)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">183.98&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets at fair value through other comprehensive income</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(18.61)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate curve</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.4% - 6.5%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.95</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.17)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Margin of a reference portfolio</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1)bps - 1bps </span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0bp</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(30.36)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">30.36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">150bps - 232bps</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">150bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1.96)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)% - 20%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.01</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4.91)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Corporate debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Margin of a reference portfolio</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.01)% - 0.01%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.09)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.09&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage Letters</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage Letters</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.6% - 5.2%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.40</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Equity instruments</span></div></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">90% - 110%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(37.56)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">37.56&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial liabilities held for trading</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Derivatives</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">42.20</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.11)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.07&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">45.30</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.03)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.02&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1% - 99%</span></div></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">47.12</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4.77)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.24&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">Credit spread</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">34bps - 68bps</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">44bps</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4.09)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.65&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">For each instrument, the valuation technique, the unobservable inputs are shown in the 'Main observable inputs' column under probable scenarios, variation range, average value and impact resulting from valuing the position in the established maximum and minimum range. </span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">The breakdown of impacts is shown by type of instrument and unobservable inputs. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">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="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Zero impacts from fully hedged or back-to-back transactions have not been included in this exercise.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.643%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">2023</span></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="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 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:105%">Portfolio/Instrument</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Valuation technique</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Main unobservable inputs</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Range</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Weighted average</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impacts (EUR million)</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(Level 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Unfavourable scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Favourable scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets held for trading</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Repos/Reverse repos</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Long-term repo spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.05)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Corporate debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 10%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5.06</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4.50)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.61&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Government debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discount curve</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 8%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.99</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(8.07)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8.02&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Derivatives</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">CCS</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(6)bps - 6bps</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.40</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">bps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.90)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.03&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">CDS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit default models</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Illiquid credit default spread curves</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">100bps - 200bps</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">149.14</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.14)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 70%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">41.25</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.48)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.69&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">EQ Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Local volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(21.54)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">21.54&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 40%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">20.10</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.65)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.66&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Asset Swap model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2% - 8%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.78</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.21)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.18&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IR option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.0% - 30.0%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">17.34</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5% - n.a.</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4.09)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">47.8% - 273.4%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">155.36</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1.91)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.74&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Swap rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.0% - 99.0%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">49.58</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(2.45)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2.41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5.2)bps - 5.2bps</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.09</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.03)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.03&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Prepayment modelling</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Prepayment rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2.5% - 9.0%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8.92</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.05&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Property derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)% - 5%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(3.39)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Securitisation Swap</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Constant prepayment rates</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10.00% - 90.00%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.63)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.63&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Structured notes</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price based</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(10)% - 10%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1.53)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.53&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets designated at fair value through profit or loss</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spreads</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.1% - 2%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.05</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.15)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.15&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Mortgage portfolio</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Black Scholes model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;(5)%- 5%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.24)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other debt securities</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Others</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 8%</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.96</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(3.63)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.55&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:19.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.052%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">2023</span></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="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 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:105%">Portfolio/Instrument</span></td><td colspan="3" rowspan="2" style="padding:2px 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:105%">Valuation technique</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Main unobservable inputs</span></div></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Range</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Weighted average</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impacts (EUR million)</span></td></tr><tr style="height:18pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(Level 3)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Unfavourable scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Favourable scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Non-trading financial assets mandatorily at fair value through profit or loss</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Property securities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Probability weighting</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)% - 5%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.24)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.24&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Equity instruments</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">90% - 110%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(183.98)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">183.98&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial assets at fair value through other comprehensive income</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Loans and advances to customers</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a. </span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">n.a.</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(18.61)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate curve</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3.4% - 6.5%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4.95</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.17)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Margin of a reference portfolio</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1)bp - 1bp</span></div></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0bp</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(30.36)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">30.36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Forward estimation</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit spread</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">150.0bps - 232.0bps</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">150.00</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">bps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(1.96)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Loans</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Market price</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(5)% - 20%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.01</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4.91)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Debt securities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Corporate debt</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Margin of a reference portfolio</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.01)% - 0.01%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.09)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.09&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Government debt</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Interest rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0% - 2%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.99</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Equity instruments</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Equities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price Based</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Price</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">90% - 110%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">100.00</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(37.56)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">37.56&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Financial liabilities held for trading</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%">Derivatives</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Cap&amp;Floor</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">42.20</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.11)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.07&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">CMS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">47.66</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">FX Options</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">45.30</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.03)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.02&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">IRS</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Discounted Cash Flows</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Inflation Swap Rate</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">39.03</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(4.09)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1.65&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Swaptions</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility option model</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Volatility</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">10% - 90%</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">35.55</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">(0.21)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">0.10&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">For each instrument, the valuation technique, the unobservable inputs are shown in the 'Main observable inputs' column under probable scenarios, variation range, average value and impact resulting from valuing the position in the established maximum and minimum range. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">The breakdown of impacts is shown by type of instrument and unobservable inputs. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">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="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Zero impacts from fully hedged or back-to-back transactions have not been included in this exercise.</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfChangesInFairValueOfFinancialAssetsAndLiabilitiesCalculatedUsingInternalModelsTableTextBlock', window );">Schedule of changes in fair value of financial assets and liabilities calculated using internal models</a></td>
<td class="text"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Lastly, the changes in the financial instruments classified as Level 3 in 2025, 2024 and 2023 were 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:23.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.238%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">01/01/2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Changes</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31/12/2025</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;padding:2px 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:105%">EUR million</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value calculated using internal models (Level 3)</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Purchases/<br/>Issuances</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Sales/Settlements</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in<br/>fair value<br/>recognised<br/>in profit or<br/>loss</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in<br/>fair value<br/>recognised<br/>in equity</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level<br/>reclassifications</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value<br/>calculated<br/>using<br/>internal<br/>models<br/>(level&#160;3)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">3,930</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">5,353</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(2,748)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">57</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(9)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(87)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">6,496</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central Banks</span></div></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">437&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">441&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Credit entities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">769&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">128&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(744)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,801&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,450&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,711)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">52&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,592&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">413&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">110&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(112)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(37)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">340&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Trading derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">947&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">228&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(181)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(47)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">971&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">556&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(81)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(30)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(21)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">126&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">551&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(18)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">241&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(41)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">37&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(113)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 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:105%">Interest rate futures</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">118&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">220&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">(45)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">3&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">(75)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">222&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives (Assets)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">106</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(100)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">86&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(100)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,588</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">324</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(191)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">360</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">74</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,889</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">505&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(36)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(266)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">171&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">Debt instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">242&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(40)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(27)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">175&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,841&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">300&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(151)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">423&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">130&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,543&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">8,675</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">7,635</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">(6,159)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">(73)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">57</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">(1,074)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">9,061</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,253&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,259&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,621)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(87)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">97&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(999)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,902&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,047&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">360&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(530)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(40)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">887&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">375&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(109)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">272&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL ASSETS</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,319</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,345</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(9,198)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">405</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(73)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(222)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,089)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,487</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">934</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">160</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(206)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(59)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">16</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">19</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">864</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Trading derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">934&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">160&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(206)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(59)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">864&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">479&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(88)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(90)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">97&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">418&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">79&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(25)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">95&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">294&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(83)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(63)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">151&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Securities and interest rate futures</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(19)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">158&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(76)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">166&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives (Liabilities)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;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:105%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 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:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">160</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">(49)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">(111)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities under insurance contracts</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">246</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(19)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">227</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL LIABILITIES</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,352</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">160</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(256)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(64)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(101)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,110</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:23.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.238%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">01/01/2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Changes</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31/12/2024</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value<br/>calculated<br/>using<br/>internal<br/>models<br/>(level&#160;3)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Purchases<br/>/Issuances</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Sales/Settlements</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in<br/>fair value<br/>recognized<br/>in profit or<br/>loss</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in<br/>fair value<br/>recognized<br/>in equity</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level<br/>reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Fair value<br/>calculated<br/>using<br/>internal<br/>models<br/>(level&#160;3)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,205</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(813)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">302</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(715)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(135)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,930</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Credit entities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">770&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">769&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,808&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,801&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">914&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">355&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(384)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(39)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(377)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(56)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">413&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Trading derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,147&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">272&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(405)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">350&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(338)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(79)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">947&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">577&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">184&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(278)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">186&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(152)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">556&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">153&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(42)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(20)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(74)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">235&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">42&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(44)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">128&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(106)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(14)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">241&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">173&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(40)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">56&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(104)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">118&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives (Assets)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">181</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">417</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(300)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(201)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">106</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(23)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">150&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">417&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(300)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(178)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">86&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,095</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">719</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(349)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">73</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">132</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(82)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,588</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">287&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">390&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(128)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(54)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">505&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">313&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(96)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">242&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,495&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">325&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(125)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(28)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,841&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,989</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,707</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3,781)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(136)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(110)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,675</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,938&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,962&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,685)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,253&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">559&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">743&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(81)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(74)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(106)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,047&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">492&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(105)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">375&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">TOTAL ASSETS</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">10,351</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">11,048</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(5,243)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">403</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(136)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(779)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(325)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">15,319</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">869</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">472</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(200)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(95)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(266)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">154</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">934</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Trading derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">869&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">472&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(200)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(95)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(266)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">154&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">934&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">388&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">371&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(20)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(205)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(105)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">479&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(54)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">79&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">187&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">54&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(14)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">113&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(40)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">294&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">147&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(107)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(108)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">109&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives (Liabilities)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">41</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">94</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">160</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Liabilities under insurance contracts</span></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">323</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(26)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">(51)</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">246</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL LIABILITIES</span></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,227</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">513</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(205)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(120)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(172)</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">109</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,352</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:23.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.238%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">01/01/2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Changes</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31/12/2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:2px 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:105%">Fair value<br/>calculated<br/>using<br/>internal<br/>models<br/>(level&#160;3)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Purchases/</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Issuances</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Sales/Settlements</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Changes in<br/>fair value<br/>recognised<br/>in profit or<br/>loss</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Changes in<br/>fair value<br/>recognised<br/>in equity</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level<br/>reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Fair value<br/>calculated<br/>using<br/>internal<br/>models<br/>(level&#160;3)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">383</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">496</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(149)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">194</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,162</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">126&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(63)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">773&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">914&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Trading derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">340&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">347&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(86)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">389&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,147&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">90&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">179&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">191&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(18)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">577&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">112&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">153&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">48&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">132&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(20)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">76&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">235&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">110&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">124&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(78)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">173&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">427</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">51</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(21)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(298)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">181</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">422&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(25)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(298)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,833</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">345</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(238)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">107</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">54</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,095</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">239&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">99&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(73)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">287&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">325&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(48)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">313&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,269&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">208&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(117)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">99&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,495&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,647</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,322</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3,411)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(204)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">231</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">404</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,989</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,718&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,322&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,408)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">160&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">110&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,938&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">229&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">254&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">559&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">700&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(245)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">492&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL ASSETS</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,290</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,214</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3,798)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">280</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(204)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,409</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">160</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,351</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">415</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">276</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(167)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(118)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">476</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(13)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">869</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Trading derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">415&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">276&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(167)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(118)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">476&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">869&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Swaps</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">235&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">53&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(83)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(58)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">257&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">388&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Exchange rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Interest rate options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">137&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Index and securities options</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">42&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">88&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(13)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(15)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">187&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">119&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">125&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(66)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(31)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">147&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives (Liabilities)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;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:105%">Swaps</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">151</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">32</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">(151)</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">(3)</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">29</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities under insurance contracts</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">345</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(40)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">323</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL LIABILITIES</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">925</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other disclosures (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfFinancialAssetsAndLiabilitiesMaturityPeriodsTableTextBlock', window );">Schedule of certain financial assets and liabilities by maturity</a></td>
<td class="text"><div style="margin-bottom:9pt;margin-top:6pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by maturity, of the balances of certain items in the consolidated balance sheet at 31 December 2025, 2024 and 2023 is presented below:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"><tr><td style="width:1.0%"></td><td style="width:32.133%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.438%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.438%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.438%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.438%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.438%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.438%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.439%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">On demand</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152,281&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152,281&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,721&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,593&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,012&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,315&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,690&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">72,331&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,631&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,619&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,239&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58,305&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,044&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">962&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,873&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,696&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,451&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,026&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">111&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,001&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,044&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">851&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,870&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,691&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,450&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,906&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets<br/>at amortized cost</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,174&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">213,109&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">173,400&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">208,743&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">163,374&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">403,889&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,202,689&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,547&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,312&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,469&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,474&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">79,212&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">140,014&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,174&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">204,562&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">164,088&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">183,274&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">145,900&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">324,677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,062,675&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,782&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,134&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">70&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,986&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,577&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,620&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,564&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,594&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,198&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,960&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">61,513&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,597&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">163,160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">153,524&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177,680&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">143,568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">311,647&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">985,176&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">192,455</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">225,830</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">181,993</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">222,755</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">171,689</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">432,579</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,427,301</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">700,717&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">271,366&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">147,951&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">132,783&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">72,048&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96,319&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,421,184&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">688,927&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">223,636&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96,132&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37,030&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,216&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,443&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,072,384&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">857&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,550&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,615&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,892&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,628&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,542&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,342&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,993&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,197&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,845&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,638&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">74,692&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">681,728&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">180,093&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">79,840&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,941&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,371&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">979,150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Marketable debt securities</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,875&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,971&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94,735&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,275&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">67,848&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">312,704&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,790&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,855&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,848&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,018&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">557&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,028&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,096&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">700,717</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">271,366</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">147,951</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">132,783</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">72,048</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">96,319</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,421,184</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Difference (assets less liabilities)</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(508,262)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(45,536)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">34,042</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">89,972</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">99,641</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">336,260</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,117</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Includes promissory notes, certificates of deposit and other short-term debt issues.</span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">See breakdown by type of debt (subordinated debt, senior unsecured debt, senior secured debt, notes and other securities) (see note 22).</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:33.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.236%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">On demand</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash, cash balances at Central Banks and other deposits on demand</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">192,208&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">192,208&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,401&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,153&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,902&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,905&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,344&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87,705&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,072&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,449&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,137&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,623&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,277&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76,558&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,329&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">704&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,765&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,282&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,067&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,147&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">98&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">223&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">363&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,293&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">704&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,667&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,276&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,844&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,784&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets<br/>at amortized cost</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,652&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">208,565&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">167,974&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">220,871&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">176,710&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">387,935&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,203,707&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,628&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,041&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,071&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,705&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57,504&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">120,949&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,652&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">198,937&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">153,933&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">203,800&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">154,005&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">330,431&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,082,758&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;&#160;Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,067&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,112&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,179&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;&#160;Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,208&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,550&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,166&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,760&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,843&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,010&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,537&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;&#160;Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,444&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">160,320&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">149,767&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">198,040&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152,162&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">315,309&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,011,042&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">233,860</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">221,966</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">177,127</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">244,773</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">185,615</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">420,279</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,483,620</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities<br/>at amortized cost</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">720,659&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">256,651&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">171,362&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">155,620&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">89,229&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">90,801&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,484,322&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">707,418&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">213,220&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">121,914&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,431&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,510&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,946&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,126,439&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,063&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,022&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,772&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,882&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,948&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,149&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,300&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,655&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,477&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,483&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">90,012&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">693,453&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177,008&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">91,592&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,004&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,033&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,455&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,011,545&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Marketable debt<br/>securities</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35,570&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,977&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100,451&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60,128&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73,841&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">317,967&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.5pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,241&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,861&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,471&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,738&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,591&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,014&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39,916&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7.75pt 0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">720,659</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">256,651</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">171,362</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">155,620</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">89,229</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">90,801</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,484,322</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Difference (assets less liabilities)</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(486,799)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(34,685)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,765</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">89,153</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">96,386</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">329,478</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(702)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Includes promissory notes, certificates of deposit and other short-term debt issues.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:33.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.236%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">On demand</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#160;&#160;&#160;&#160;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash, cash balances at Central Banks and other deposits on demand</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">220,342&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">220,342&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,544&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,234&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,372&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,162&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,235&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81,547&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,078&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,433&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,432&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,764&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,858&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73,565&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">466&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">801&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">940&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,398&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,377&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,982&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">466&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">801&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">940&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,085&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,377&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,669&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets<br/>at amortized cost</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,687&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">202,066&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">171,494&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">232,190&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">158,556&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">386,410&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,191,403&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,281&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,114&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,608&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,281&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,275&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">103,559&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,687&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">189,785&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">157,380&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">213,582&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">147,275&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">339,135&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,087,844&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,730&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,352&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,082&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,783&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,671&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,313&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,151&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,521&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,478&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57,917&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33,904&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">144,384&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">151,067&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">206,431&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">145,754&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">328,305&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,009,845&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">261,029</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">215,610</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">180,728</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">251,562</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">172,718</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">411,645</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,493,292</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities<br/>at amortized cost</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">711,093&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">246,898&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">182,516&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">161,784&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88,527&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77,885&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,468,703&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">697,339&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">210,538&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">118,035&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">61,332&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,161&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,903&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,125,308&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">168&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20,224&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,941&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,846&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,581&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,782&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,572&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,990&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">21,390&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,434&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,963&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,897&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81,246&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">690,599&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">164,324&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">89,704&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,052&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,617&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,984&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">995,280&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Marketable debt<br/>securities</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28,371&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63,440&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">92,554&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57,639&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">61,204&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">303,208&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,754&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,989&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,041&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,898&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,727&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">778&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,187&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">711,093</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">246,898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">182,516</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">161,784</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">88,527</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">77,885</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,468,703</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Difference (assets less liabilities)</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(450,064)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(31,288)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,788)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">89,778</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">84,191</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">333,760</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">24,589</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Includes promissory notes, certificates of deposit and other short-term debt issues.</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfUndiscountedContractualMaturitiesOfFinancialLiabilitiesAtAmortizedCostByMaturityTableTextBlock', window );">Schedule of undiscounted contractual maturities of financial liabilities at amortized cost by maturity</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of the remaining contractual maturities of the existing financial liabilities at amortised cost at 31 December 2025, 2024 and 2023 is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"><tr><td style="width:1.0%"></td><td style="width:27.961%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.035%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">On demand</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than 5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">687,708&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">221,487&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">95,553&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36,937&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,204&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,423&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,068,312&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">857&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,497&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,581&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,892&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,627&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,454&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,298&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34,993&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,677&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,197&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,841&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,636&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">74,642&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customer</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">680,553&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">177,997&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">79,295&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,848&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,363&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">975,216&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Marketable debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">37,742&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">47,782&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">93,250&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">62,071&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">66,107&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">306,952&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,790&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,855&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,848&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,018&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">557&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,029&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36,097&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">699,498</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">268,084</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">146,183</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">131,205</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">71,832</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">94,559</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,411,361</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:26.307%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.273%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">On demand</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than 5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">699,007&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">207,554&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">117,431&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">43,090&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,248&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,796&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,102,126&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,082&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,026&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,772&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24,904&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,634&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,170&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,258&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,674&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,482&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,462&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">89,680&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customer</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">685,356&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">171,302&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">87,147&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,644&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,766&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,327&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">987,542&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Marketable debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36,315&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">48,973&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">102,306&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">61,260&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">74,817&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">323,671&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,241&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,861&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,471&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,738&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,591&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,014&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39,916&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">712,248</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">251,730</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">167,875</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">154,134</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">88,099</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">91,627</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,465,713</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:26.307%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.273%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">On demand</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than 5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#160;&#160;&#160;&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#160;&#160;&#160;&#160;</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">698,595&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">204,001&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">109,311&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">51,191&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,761&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,585&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,099,444&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">168&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,334&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,853&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,846&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,581&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">35&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">48,817&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,884&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,642&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,334&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,079&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,924&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,685&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">80,548&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customer</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">691,543&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">158,025&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">81,124&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,266&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,256&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,865&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">970,079&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Marketable debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28,258&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">62,935&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">91,492&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">56,944&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">60,166&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">299,795&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,666&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,078&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,041&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,898&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,727&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">777&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40,187&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">712,261</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">240,337</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">173,287</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">150,581</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">86,432</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">76,528</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,439,426</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfMaturitiesOfFinancialAssetsLiabilitiesAndMemorandumItemsRecognisedAtOtherThanAmortisedCostTableTextBlock', window );">Schedule of remainder of financial assets, liabilities and memorandum item by maturity</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Below is a breakdown of contractual maturities for the rest of financial assets and liabilities as of 31 December 2025, 2024 and 2023:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"></td><td style="width:33.721%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.763%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.763%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.763%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.763%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.763%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.764%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">FINANCIAL ASSETS</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">85,732</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">38,979</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">35,639</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">22,880</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">69,088</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">252,318</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,579&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,967&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,348&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,446&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,015&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">58,355&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,030&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,030&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,666&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,749&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,034&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,618&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">31,501&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">98,568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">61,487&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,263&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,257&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">816&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,542&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">73,365&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,143&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,181&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">308&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,632&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,532&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,114&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,104&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">213&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,967&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,812&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,968&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">845&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">603&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,538&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">32,766&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">611</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">893</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,595</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">819</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,128</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,046</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">333&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">480&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,032&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">394&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">655&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,894&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">413&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">563&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">425&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,473&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,152&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">353&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">413&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">258&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">412&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">553&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">396&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,739&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,091</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">174</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">407</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,089</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,761</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">109&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">245&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,057&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">165&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">314&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">165&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,701&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,057&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">165&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">314&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">165&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,701&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,281</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,281</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,281&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,281&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,066</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">293</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">609</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">440</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,523</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,931</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(22)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">63</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(17)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">72</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(46)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">50</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL FINANCIAL ASSETS</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">88,478</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">40,402</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">38,233</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">24,211</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">83,063</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">274,387</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"></td><td style="width:34.614%"></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: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: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:9.616%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">FINANCIAL LIABILITIES</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">131,052</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,783</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,084</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,642</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,985</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">171,546</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,105&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,339&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,403&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,051&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,070&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">51,968&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Shorts positions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39,712&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">661&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,271&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">478&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,893&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,015&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73,235&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">783&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,410&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">113&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">75,563&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,385&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,385&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,759&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">770&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,410&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">113&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,058&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,091&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,120&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,717</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,015</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,934</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,849</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,633</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">42,148</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,785&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,177&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,452&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,105&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,921&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,440&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,086&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,086&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">914&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">115&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">341&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,424&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,785&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,154&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,337&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,074&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,580&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,930&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Marketable debt securities</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">910&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">838&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,482&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,744&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,712&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,686&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">447</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">681</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">735</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">917</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,468</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,248</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL FINANCIAL LIABILITIES</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">151,200</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,504</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21,757</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,444</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,086</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">217,991</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">See breakdown by type of debt (subordinated debt, senior unsecured debt, senior secured debt, promissory notes and other securities) (see note 22).</span></div><div style="margin-bottom:9pt;margin-top:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"></td><td style="width:34.614%"></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: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: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:9.616%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans commitment granted</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">146,340&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31,411&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">45,392&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">58,085&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">40,006&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">321,234&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial guarantees granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,348&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,018&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,803&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">630&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">650&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,449&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other commitments granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">102,278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,002&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,820&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,643&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,375&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">148,118&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">MEMORANDUM ITEMS</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">256,966</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">58,431</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59,015</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">62,358</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">50,031</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">486,801</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In the Group&#8217;s experience, no outflows of cash or other financial assets take place prior to the contractual maturity date that might affect the information broken down above.</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"></td><td style="width:34.709%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.601%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">FINANCIAL ASSETS</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">64,300</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">56,571</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">33,945</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">24,504</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">50,933</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">230,253</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,231&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,504&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,676&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,384&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,305&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">64,100&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,636&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,636&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,930&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,305&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,319&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,944&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,148&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">82,646&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">43,139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,762&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,950&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">176&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">844&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">66,871&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,241&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,725&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,966&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,840&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,088&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,287&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">99&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,314&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,058&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,949&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">663&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">176&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">745&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,591&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">152</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">750</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,421</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,075</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,517</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,915</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">95&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">342&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,254&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">680&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">526&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,897&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">408&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,167&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">395&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,991&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,018&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">353&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">408&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">408&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,162&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">361&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,638&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,610&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">794</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">102</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,197</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,130</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,641&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,641&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">393&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">447&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">755&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">92&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,042&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">755&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">92&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,042&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,193&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,193&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">1,786</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">1,423</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">957</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">800</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">706</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">5,672</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(61)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(569)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(50)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(42)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(704)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL FINANCIAL ASSETS</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">66,971</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">58,770</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">36,783</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">26,431</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">62,504</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">251,459</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"></td><td style="width:34.709%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.601%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">FINANCIAL LIABILITIES</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">100,071</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,537</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,244</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,530</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,769</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">152,151</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,364&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,296&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,946&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,335&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,812&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">57,753&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Shorts positions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28,548&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,931&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,199&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">195&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,957&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">35,830&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57,159&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">310&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,099&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">58,568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,300&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,300&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24,875&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">310&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,099&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,284&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,984&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,984&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,036</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,000</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,422</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,918</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,984</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36,360</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,193&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,860&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,037&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">490&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,226&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">28,806&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,774&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,774&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,035&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">133&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">49&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">393&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,625&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,384&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,727&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,022&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">441&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,833&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,407&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Marketable debt securities</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">843&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,140&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,385&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,428&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,758&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,554&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">832</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">668</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">826</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">814</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,612</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,752</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">47&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(64)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL FINANCIAL LIABILITIES</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">116,939</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">23,200</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21,505</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,309</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,301</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">193,254</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">See breakdown by type of debt (subordinated debt, senior unsecured debt, senior secured debt, promissory notes and other securities) (see note 22).</span></div><div style="text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:9pt;margin-top:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"><tr><td style="width:1.0%"></td><td style="width:34.518%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.630%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.630%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.630%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.630%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.630%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.632%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans commitment granted</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">133,084&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">35,747&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">57,157&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">57,285&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,588&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">302,861&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial guarantees granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,103&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,803&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,691&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">796&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">508&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,901&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other commitments granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">92,172&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,681&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,197&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,032&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,411&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">134,493&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">MEMORANDUM ITEMS</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">230,359</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">63,231</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">74,045</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">63,113</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">23,507</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">454,255</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"><tr><td style="width:1.0%"></td><td style="width:34.614%"></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: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: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:9.616%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">FINANCIAL ASSETS</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">36,120</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">49,668</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">30,602</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17,912</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">42,619</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">176,921</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,777&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,551&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,775&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,532&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,693&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">56,328&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,057&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,057&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,598&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,315&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,274&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,137&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,800&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">62,124&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,745&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,802&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,553&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">243&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">69&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">43,412&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,146&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,571&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,717&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,861&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,076&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,079&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,061&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,738&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,155&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,474&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">198&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">69&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,634&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,657</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">557</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,529</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,350</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,680</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,773</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Debt securities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">252&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,269&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">690&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">807&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,095&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">480&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,260&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">660&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,873&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,678&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">393&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">459&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,379&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">458&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,257&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">645&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,480&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,219&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">591</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">153&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,015</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,910</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,068&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,068&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Debt instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">57&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">759&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">860&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">550&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">153&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">188&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">982&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">550&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">153&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">188&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">982&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,761</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,761</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,761&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,761&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,188</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">412</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,535</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">937</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,225</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,297</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(237)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(225)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">156</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(402)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(80)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(788)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL FINANCIAL ASSETS</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">39,319</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">50,565</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">34,893</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">19,877</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">54,220</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">198,874</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"></td><td style="width:34.709%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.601%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">FINANCIAL LIABILITIES</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">73,257</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,127</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,180</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,591</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,115</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">122,270</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,147&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,486&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,990&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,060&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,906&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">50,589&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Shorts positions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,381&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,288&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">765&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">531&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,174&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Deposits</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">43,729&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,353&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">425&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">45,507&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,808&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,808&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,228&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">425&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,862&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,693&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,144&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,837&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23,190</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,583</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,863</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,359</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,372</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40,367</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">22,688&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,459&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,223&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">338&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,288&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">34,996&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Central banks</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,158&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">51&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,209&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Credits institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,161&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">84&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">61&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">372&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,735&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,369&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,351&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,139&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">277&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,916&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">32,052&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Marketable debt securities</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">502&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,124&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,640&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,021&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,084&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,371&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,525</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,064</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,577</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">878</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,612</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,656</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">TOTAL FINANCIAL LIABILITIES</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">97,971</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21,770</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">25,656</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,823</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,128</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">170,348</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">See breakdown by type of debt (subordinated debt, senior unsecured debt, senior secured debt, promissory notes and other securities) (see note 22).</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"></td><td style="width:34.709%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.601%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Within&#160;3 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to 12 months</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1&#160;to&#160;3<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">3&#160;to&#160;5<br/>years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More&#160;than&#160;5 years</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans commitment granted</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">125,083&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31,658&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">55,344&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">47,204&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,300&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">279,589&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial guarantees granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,870&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,734&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,654&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">686&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">491&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,435&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other commitments granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">81,146&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,448&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,699&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,386&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,594&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">113,273&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">MEMORANDUM ITEMS</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">214,099</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,840</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">66,697</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">51,276</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">22,385</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">408,297</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfEquivalentEuroValueOfAssetsAndLiabilitiesTableTextBlock', window );">Schedule of equivalent euro value of assets and liabilities</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail of the main foreign currency balances in the consolidated balance sheet, based on the nature of the related items, is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:37.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.833%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Equivalent&#160;value&#160;in EUR million</span></td></tr><tr style="height:12pt"><td colspan="3" rowspan="2" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash, cash balances at central banks and other deposits on demand</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">89,186&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">109,932&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">114,410&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets/liabilities held for trading</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">136,499&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">75,272&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">130,076&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76,216&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">106,011&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60,581&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,530&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,208&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,291&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial assets/liabilities at fair value through profit or loss</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">666&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,943&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">793&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,844&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,721&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,699&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,564&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60,861&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60,516&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">745,401&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">777,226&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">773,504&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Investments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,859&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,103&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,689&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,437&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,812&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,797&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Intangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,296&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,282&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,772&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">854,517&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">938,844&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">937,917&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Liabilities under insurance contracts</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">227&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">261&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">330&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96,469&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82,901&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,891&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22,385&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,236&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,740&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,143,907</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,027,860</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,141,184</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,051,550</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,120,947</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,037,267</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Includes the import of the Polish business held for sale.</span></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfFinancialAssetsMeasuredAtOtherThanFairValueTableTextBlock', window );">Schedule of financial assets measured at other than fair value</a></td>
<td class="text"><div style="margin-bottom:3pt;margin-top:9pt;padding-right:263.62pt"><span id="i49dadf88c4804c179c0246c901004c40"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">i) Financial assets measured at other than fair value</span></div><div style="margin-bottom:9pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.392%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.418%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.392%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.835%"></td><td style="width:0.1%"></td></tr><tr><td colspan="54" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 1.75pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;3</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">Loans and advances</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">1,062,675&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">1,062,981&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">113,004&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">949,977&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,082,758&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,073,530&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">104,582&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">968,948&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,087,844&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,077,543&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">103,414&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">974,129&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">140,014&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">139,242&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">103,120&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">14,100&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">22,022&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">120,949&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">119,539&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">87,170&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,149&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,220&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">103,559&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">102,888&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">67,951&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,057&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23,880&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,202,689</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,202,223</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">103,120</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">127,104</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">971,999</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,203,707</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,193,069</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">87,170</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">117,731</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">988,168</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,191,403</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,180,431</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">67,951</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">114,471</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">998,009</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfFinancialLiabilitiesMeasuredAtOtherThanFairValueTableTextBlock', window );">Schedule of financial liabilities measured at other than fair value</a></td>
<td class="text"><div style="margin-bottom:3pt;margin-top:9pt"><span id="ib9bfa59f3c714397a8ea183e6a194f2f"></span><span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%">ii) Financial liabilities measured at other than fair value</span></div><div style="margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:6.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.677%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.677%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.689%"></td><td style="width:0.1%"></td></tr><tr><td colspan="54" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.75pt;text-align:justify"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Liabilities</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.22pt;font-weight:700;line-height:105%;position:relative;top:-2.27pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">Level&#160;3</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">Deposits</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">1,072,384&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">1,073,147&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">235,998&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">837,149&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,126,439&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,125,532&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">250,440&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">875,092&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,125,308&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,124,373&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">263,428&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">860,945&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">312,704&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">314,173&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">162,382&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">115,597&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">36,194&#160;</span></td><td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 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:105%">317,967&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">317,912&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">170,118&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">112,365&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">35,429&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 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:105%">303,208&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">298,792&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">136,109&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">125,575&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 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:105%">37,108&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,385,088</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,387,320</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">162,382</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">351,595</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">873,343</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,444,406</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,443,444</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">170,118</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">362,805</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">910,521</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,428,516</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">1,423,165</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">136,109</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">389,003</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%">898,053</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:15pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">At 31 December 2025, Grupo Santander had other financial liabilities that amounted to EUR 36,096 million, EUR 39,916 million in 2024 and EUR 40,187 million in 2023.</span></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOffsettingOfFinancialAssetsAndFinancialLiabilitiesExplanatory', window );">Schedule of offsetting of financial instruments</a></td>
<td class="text"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is the detail of financial assets and liabilities that were offset in the consolidated balance sheets as of 31 December 2025, 2024 and 2023:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:23.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.430%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:25.134%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:25.136%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial assets</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial assets offset in the balance sheet</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net amount of financial assets presented in the balance sheet</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117,733&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(55,447)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,286&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">217,509&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(76,535)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">140,974&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">335,242</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(131,982)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">203,260</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:24.517%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.430%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.828%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial assets</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount of financial assets offset in the balance sheet</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net amount of financial assets presented in the balance sheet</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152,331&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(82,559)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69,772&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">189,034&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(67,488)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">121,546&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">341,365</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(150,047)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">191,318</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:24.517%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.430%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.828%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial assets</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial assets offset in the balance sheet</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net amount of financial assets presented in the balance sheet</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">149,508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(87,883)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">61,625&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">179,580&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(79,500)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100,080&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">329,088</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(167,383)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">161,705</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:24.517%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.430%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.828%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial liabilities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial liabilities offset in the balance sheet</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net amount of financial liabilities presented in the balance sheet</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">111,664&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(55,447)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56,217&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">246,961&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(76,535)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">170,426&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">358,625</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(131,982)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">226,643</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:24.517%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.430%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.828%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial liabilities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial liabilities offset in the balance sheet</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net amount of financial liabilities presented in the balance sheet</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">145,064&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(82,559)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,505&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">223,141&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(67,488)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">155,653&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">368,205</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(150,047)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">218,158</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:24.517%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.430%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.828%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial liabilities</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Gross amount of financial liabilities offset in the balance sheet</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net amount of financial liabilities presented in the balance sheet</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">146,128&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(87,883)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">58,245&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">212,840&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(79,500)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">133,340&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">358,968</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(167,383)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">191,585</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
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<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of the offsetting of financial assets and financial liabilities. [Refer: Financial assets; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Section Offsetting financial assets and financial liabilities<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;doctype=Standard&amp;dita_xref=IFRS07_g13A-13F_TI<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfOffsettingOfFinancialAssetsAndFinancialLiabilitiesExplanatory</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of equivalent euro value of assets and liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of certain financial assets and liabilities by maturity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of financial assets measured at other than fair value.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of financial liabilities measured at other than fair value.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Primary and secondary segments reporting (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOperatingSegmentsAbstract', window );"><strong>Disclosure of operating segments [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOperatingSegmentsExplanatory', window );">Schedule of condensed balance sheets and condensed underlying income statements by primary and secondary segments</a></td>
<td class="text"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The main masses of the balance sheets of the different segments, summarized, are indicated below:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.800%"><tr><td style="width:1.0%"></td><td style="width:23.710%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.943%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.397%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.372%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.431%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.737%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail &amp; Commercial Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate &amp; Investment Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wealth Management &amp; Insurance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payment Solutions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate Centre</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">594,262&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">203,857&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">204,210&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,516&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">977&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,465&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,037,288</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">628,026&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">129,946&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">221,321&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">59,127&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,392&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,387&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,041,200</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:400;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">591,287&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">211,894&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">146,065&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,680&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,002&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,537&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">984,466</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers funds</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">726,779&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">138,999&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">149,731&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">181,509&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,392&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,387&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,199,798</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Customer deposits</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">616,402&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">129,909&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">137,267&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">58,051&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,392&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,387&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">944,409</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Mutual funds</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">110,377&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,089&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,464&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">123,458&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">255,389</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:97.800%"><tr><td style="width:1.0%"></td><td style="width:23.710%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.943%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.397%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.372%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.431%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.737%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail &amp; Commercial Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate &amp; Investment Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wealth Management &amp; Insurance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payment Solutions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate Centre</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">598,852&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">207,107&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">178,746&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,478&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,066&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,911&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,017,160</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">618,628&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">128,975&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">198,872&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56,663&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,038&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,430&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,005,605</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:400;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">600,230&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">215,164&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">130,840&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,643&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,087&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,997&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">978,961</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers funds</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">706,505&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137,122&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">147,492&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">161,304&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,038&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,299&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,154,759</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Customer deposits</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">607,094&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">128,933&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">133,433&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">55,736&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,038&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,299&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">927,533</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Mutual funds</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">99,411&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,189&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,059&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">105,568&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">227,226</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:97.800%"><tr><td style="width:1.0%"></td><td style="width:23.710%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.943%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.154%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.397%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.372%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.431%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.737%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail &amp; Commercial Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate &amp; Investment Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wealth Management &amp; Insurance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payment Solutions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate Centre</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">610,528&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">199,158&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">163,627&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,456&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,165&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,531&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,003,465</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">629,243&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">115,446&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">200,592&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">54,462&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,418&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,002,669</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt 0 7pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross loans and advances to customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:400;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">611,882&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">206,649&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">132,308&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,550&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,194&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,608&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">981,192</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Customers funds</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">688,569&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">120,996&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">166,721&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">148,292&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,418&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,127,503</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Customer deposits</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">600,871&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">114,334&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">152,156&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,599&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,418&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">923,884</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Mutual funds</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">87,698&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,662&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,565&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">94,693&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">203,618</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Excluding reverse repos.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt">Excluding repos.</span></div><div style="margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%">The condensed income statements for the primary segments are as follows:</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span><br/></span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:29.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail &amp; Commercial Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate &amp; Investment Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wealth Management &amp; Insurance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payment Solutions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate Centre</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">26,528</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,036</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,824</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,335</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">167</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(490)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">42,401</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,222&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,479&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,552&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,642&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,059&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(27)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,928&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">680&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,281&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">512&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(82)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,354&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(983)</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">511&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">359&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">552&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">171&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">625&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">32,447</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,015</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,016</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,042</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,373</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(585)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">58,308</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,913)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,680)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,752)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,444)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,203)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(417)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26,410)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,534</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,335</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,264</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,598</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">170</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,003)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31,898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,150)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,457)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(278)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(198)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12,128)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(385)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(312)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(37)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(75)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(834)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,998</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,566</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,949</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,564</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">134</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,275)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,936</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,974)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(489)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,114)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(532)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(19)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">190&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,939)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,077</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,835</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,032</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">115</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,085)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,997</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,024</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,077</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,835</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,032</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">115</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,085)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,997</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(314)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(336)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(127)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(50)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(19)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(845)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Underlying profit attributable to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,710</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,741</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,708</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,983</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">96</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,085)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,152</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 50&#160;million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except an addition EUR 50&#160;million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognised in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:29.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail &amp; Commercial Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate &amp; Investment Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wealth Management &amp; Insurance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payment Solutions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate Centre</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">27,854</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,777</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,779</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,591</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">132</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(308)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">43,824</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,022&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,415&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,442&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">958&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,335&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">805&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">256&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(408)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,216&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,617)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">596&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">136&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">298&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(391)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">33,064</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,877</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,897</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,587</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,240</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(680)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">57,984</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14,704)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,576)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,922)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,403)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,209)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(540)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(27,354)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,359</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,302</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,975</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,183</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,220)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,630</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,064)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,562)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(141)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(42)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11,822)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(545)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(512)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(19)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(247)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(99)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,431)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,750</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,228</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,815</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,134</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(233)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,317)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,132)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(294)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,023)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(509)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(57)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">162&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,853)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,619</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,934</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,792</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,624</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(290)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,155)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,524</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,619</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,934</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,792</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,624</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(290)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,155)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,524</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(273)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(275)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(153)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(40)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(750)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Underlying profit attributable to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,345</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,659</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,639</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,584</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(299)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,154)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,774</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">'Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">'Net Loan loss provisions' refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 47&#160;million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except an addition of EUR 47&#160;million  mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognised in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:29.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.532%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Retail &amp; Commercial Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate &amp; Investment Banking</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Wealth Management &amp; Insurance</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Payment Solutions</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate Centre</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">25,586</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,221</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,361</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,499</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">92</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(41)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">40,718</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,077&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,229&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,013&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,209&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">954&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,468&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">837&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">116&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,748&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">178&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(302)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,566&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,707)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">709&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(22)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">197&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">97&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(86)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(812)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,792</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,274</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,100</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,082</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,134</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(442)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,940</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14,757)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,526)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,381)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,266)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,111)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(460)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26,501)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,036</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,748</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,719</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,816</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">23</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(901)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">27,439</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,542)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,106)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(132)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11,784)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(298)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">35&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(62)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(350)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,195</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,677</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,578</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,834</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(17)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(961)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,305</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,076)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(426)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,086)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(429)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(59)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(36)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,112)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,120</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,251</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,491</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,405</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(75)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(998)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit from discontinued operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,120</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,251</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,491</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,405</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(75)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(998)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(232)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(350)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(163)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(45)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(791)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Underlying profit attributable to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,887</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,901</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,328</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,360</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(77)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(998)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,402</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes a release of EUR 38&#160;million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except a release of EUR 38&#160;million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognised in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</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:130%">The main masses of the balance sheets of the different secondary segments, summarized, are indicated below: </span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:27.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.757%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Spain</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United Kingdom</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portugal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank Europe</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United States</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mexico</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">264,950&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">242,624&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,260&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">139,322&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">132,659&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,083&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">354,943&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">225,708&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,576&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82,359&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">122,000&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55,595&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:400;line-height:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gross loans and advances to customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">237,385&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">228,273&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,980&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">142,477&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">108,950&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49,442&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customers funds</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">429,464&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">227,160&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">46,201&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87,559&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">103,178&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">68,201&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Customer deposits</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">322,070&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">219,440&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">40,576&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">82,359&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">87,686&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">45,498&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Mutual funds</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">107,394&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,719&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,625&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,200&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,492&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">22,703&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:27.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.757%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Brazil</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Chile</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Argentina</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporate Center</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Rest of the Group</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87,653&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39,924&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,032&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,465&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,315&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,037,288</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">92,256&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,503&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,959&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,387&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26,913&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,041,200</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:400;line-height:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gross loans and advances to customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93,030&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,986&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,611&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,537&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,796&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">984,466</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customers funds</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">132,580&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,256&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,894&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,387&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,916&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,199,798</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Customer deposits</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">80,449&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">28,293&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,959&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,387&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">26,691&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">944,409</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Mutual funds</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">52,132&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,963&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,934&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,225&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">255,389</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:26.900%"></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><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="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Spain</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United Kingdom</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portugal</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank Europe</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United States</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mexico</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">246,897&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">246,453&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,410&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137,038&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">134,856&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45,054&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">323,425&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">230,408&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,304&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81,376&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">125,403&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">49,836&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:400;line-height:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gross loans and advances to customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">225,759&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">236,496&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39,143&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">139,927&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117,511&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,715&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customers funds</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">399,999&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">230,479&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,186&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">85,876&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">108,246&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">61,160&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Customer deposits</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">306,389</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">222,835</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">38,304</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">81,376</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">93,545</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">41,528</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Mutual funds</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">93,609</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">7,643</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">4,882</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">4,500</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">14,702</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">19,632</span></td></tr></table></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"><tr><td style="width:1.0%"></td><td style="width:27.364%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.826%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Brazil</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Chile</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Argentina</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporate Center</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Rest of the Group</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88,620&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,332&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,684&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,911&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,905&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,017,160</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93,994&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30,181&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,293&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,430&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19,955&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,005,605</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:400;line-height:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gross loans and advances to customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93,785&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,405&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,938&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,997&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,285&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">978,961</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customers funds</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">129,881&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,383&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,047&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,299&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,204&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,154,759</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Customer deposits</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">81,378&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,060&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,293&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,299&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,527&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">927,533</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Mutual funds</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">48,503&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,324&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,754&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,677&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">227,226</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-indent:6.66pt"><span><br/></span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"></td><td style="width:26.686%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.939%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United Kingdom</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portugal</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Openbank Europe</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">United States</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Mexico</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">239,214&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">245,743&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,864&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">132,692&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">126,843&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,905&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">324,099&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">233,453&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,366&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69,334&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">121,782&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,703&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:400;line-height:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gross loans and advances to customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">229,803&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">235,111&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37,658&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">135,202&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">112,671&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48,688&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customers funds</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">386,810&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">231,667&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,618&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">72,963&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">108,062&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,775&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Customer deposits</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">308,745&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">224,396&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">36,366&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">69,334&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">95,697&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">45,693&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">Mutual funds</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">78,065&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,272&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,252&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,629&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,364&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,082&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"></td><td style="width:26.793%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.917%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.917%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.917%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.917%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.917%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.922%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Balance sheet (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Brazil</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Chile</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Argentina</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Corporate Center</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Rest of the Group</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96,399&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42,616&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,767&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,531&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24,892&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,003,465</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">110,162&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29,578&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,478&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,207&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,002,669</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:400;line-height:105%">Memorandum items</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gross loans and advances to customers</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">102,583&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43,823&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,878&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,608&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,164&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">981,192</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Customers funds</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">145,044&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,098&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,288&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,670&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,127,503</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Customer deposits</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">90,297&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">29,337&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,478&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,034&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">923,884</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 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:105%">Mutual funds</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">54,747&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,761&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,810&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,636&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">203,618</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Excluding reverse repos.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt">Excluding repos.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The condensed income statements are as follow</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"><tr><td style="width:1.0%"></td><td style="width:27.364%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.822%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.826%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Spain</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United Kingdom</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portugal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Openbank Europe</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United States</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mexico</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">7,305</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,008</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,346</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,685</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,888</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,554</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,022&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">369&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">506&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">804&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,328&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,454&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">841&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(100)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">70&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(39)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">547&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">427&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">720&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(245)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">474&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">165&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(130)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,887</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,032</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,956</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,925</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,929</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,305</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,465)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,937)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(544)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,899)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,890)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,730)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,423</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,095</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,412</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,026</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,039</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,575</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,142)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(177)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,363)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,244)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,239)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(198)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(124)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(47)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,083</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,794</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,417</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,398</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,748</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,336</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,811)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(486)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(405)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(322)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(207)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(627)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit/(loss) from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,272</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,307</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,011</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,076</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,541</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,709</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit/(loss) from discontinued operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit/(loss)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,272</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,307</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,011</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,076</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,541</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,709</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(304)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,272</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,307</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,010</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">772</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,541</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,705</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:26.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.049%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Brazil</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Chile</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Argentina</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporate Centre</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Rest of the Group</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">9,380</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,917</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,727</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(490)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,080</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">42,401</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,193&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">582&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">788&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(27)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">908&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,928&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(64)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">230&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">229&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(82)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">296&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,354&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">93&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(510)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">625&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,602</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,714</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,235</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(585)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,309</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">58,308</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,957)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(919)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(978)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(417)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,676)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26,410)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,645</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,795</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,257</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,003)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">634</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">31,898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,409)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(531)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(574)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(198)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(260)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12,128)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(33)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(75)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(45)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(834)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,224</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,232</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">650</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,275)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">328</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,936</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(836)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(189)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(216)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">190&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(29)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,939)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit/(loss) from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,388</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,043</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">434</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,085)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">300</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,997</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit/(loss) from discontinued operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit/(loss)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,388</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,043</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">434</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,085)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">300</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,997</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(220)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(314)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(845)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,168</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">729</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">433</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,085)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">300</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,152</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 50 million mainly corresponding to the results by commitments and contingent risks included in the line provisions or reversal of provisions, net of the statutory income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except an addition of EUR 50 million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div><div style="text-indent:10.91pt"><span><br/></span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:26.900%"></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><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="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Spain</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United Kingdom</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portugal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Openbank Europe</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United States</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mexico</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">7,256</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,950</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,548</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,361</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,693</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,631</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,867&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">283&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">467&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">902&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,152&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,385&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,100&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(18)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(24)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">371&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">396&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">358&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(203)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">365&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(133)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,580</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,011</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,065</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,644</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,580</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6,278</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,509)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,050)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(574)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,848)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,965)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,727)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,071</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,962</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,492</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,796</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,615</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,551</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,259)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(64)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,209)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,507)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,277)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(372)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(104)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(456)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(55)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,440</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,794</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,481</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,131</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,053</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,274</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,678)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(488)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(478)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(255)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">56&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(598)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit/(loss) from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,763</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,306</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,003</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">876</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,109</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,676</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit/(loss) from discontinued operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit/(loss)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,763</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,306</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,003</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">876</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,109</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,676</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(234)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,762</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,306</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,001</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">642</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,109</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,671</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:26.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.049%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Brazil</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Chile</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Argentina</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporate Centre</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Rest of the Group</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">10,121</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,822</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,919</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(308)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">832</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">43,824</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,414&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">551&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">602&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">722&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,335&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(37)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">238&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">229&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(408)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">326&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,216&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(18)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,263)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(391)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,536</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,592</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,487</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(680)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,889</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">57,984</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,219)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(942)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,337)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(540)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,643)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(27,354)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,318</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,650</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,150</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,220)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">246</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,630</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,487)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(497)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(284)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(230)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11,822)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(42)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(39)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(99)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(263)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,431)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,830</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,111</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">827</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,317)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(248)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,165)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(211)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(161)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">162&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(37)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,853)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit/(loss) from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,665</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">899</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">666</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,155)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(285)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,524</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit/(loss) from discontinued operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit/(loss)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,665</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">899</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">666</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,155)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(285)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,524</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(243)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(271)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(750)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,422</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">629</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">665</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,154)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(280)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,774</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 47&#160;million mainly corresponding to the results by commitments and contingent risks included in the line provisions or reversal of provisions, net of the statutory income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except an addition of EUR 47&#160;million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"><tr><td style="width:1.0%"></td><td style="width:26.686%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.939%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Spain</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United Kingdom</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portugal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Openbank Europe</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">United States</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mexico</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">6,641</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,152</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,465</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,742</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,408</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,699&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">338&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">464&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">796&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">766&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,374&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">688&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">294&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">211&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(190)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(162)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(17)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">375&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">406&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(94)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,837</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,358</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,944</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,481</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,209</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,899</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,815)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,928)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(567)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,751)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,707)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,645)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,022</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,430</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,378</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,730</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,502</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,254</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,522)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(247)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(77)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(792)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,593)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,135)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(100)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(75)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(46)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,399</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,107</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,314</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,019</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">863</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,119</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,029)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(563)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(416)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(493)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(541)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit/(loss) from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,371</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,545</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,526</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">932</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,577</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit/(loss) from discontinued operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit/(loss)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,371</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,545</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,526</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">932</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,577</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(327)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(17)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,371</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,545</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">896</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,199</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">932</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,560</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:26.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.049%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Underlying income statement (condensed)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Brazil</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Chile</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Argentina</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporate Centre</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Rest of the Group</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">9,116</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,383</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,879</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(41)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">780</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">40,718</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,462&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">572&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">396&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">615&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,468&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">483&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">320&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">341&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(302)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">353&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,566&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,071)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(86)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(812)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,104</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,285</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,544</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(442)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,721</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53,940</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,430)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(953)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(831)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(460)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,415)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(26,501)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,674</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,332</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">713</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(901)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">306</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">27,439</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,701)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(365)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(150)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(203)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11,784)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(62)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(58)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(62)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(25)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(350)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,911</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">951</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">505</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(961)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">77</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">15,305</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(776)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(135)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(117)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(36)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(75)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,112)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit/(loss) from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,135</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">816</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">388</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(998)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net profit/(loss) from discontinued operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit/(loss)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,135</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">816</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">388</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(998)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,193</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(215)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(234)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(791)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,921</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">582</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">386</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(998)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,402</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes a release of EUR 38&#160;million mainly corresponding to the results by commitments and contingent risks included in the line provisions or reversal of provisions, net of the statutory income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except a release of EUR 38&#160;million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfReconciliationOfUnderlyingResultsToStatutoryResultsTableTextBlock', window );">Schedule of reconciliation of consolidated profit after tax to operating profit before tax</a></td>
<td class="text"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The tables below reconcile the statutory basis results to the underlying results for each of the periods presented as required by IFRS 8. For the purposes of these reconciliations, all material reconciling items are separately identified and described.</span></div><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Grupo Santander assets and liabilities for management reporting purposes do not differ from the statutory reported figures and therefore are not reconciled.</span></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:53.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.161%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Reconciliation of statutory results to underlying results </span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Statutory results</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Adjustments related to the Poland disposal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other adjustments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Underlying results</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">42,348</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">53</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">42,401</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,976&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(48)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,928&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,362&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,354&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">625&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">625&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">58,311</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">58,308</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Administrative expenses, depreciation and amortisation</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(24,779)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">22&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(24,757)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other operating costs<br/></span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,653)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,653)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">33,532</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">19</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,653)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31,898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12,596)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">467&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12,128)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,255)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,422&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(834)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18,681</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">19</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">236</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18,936</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,723)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(210)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,939)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Adjusted profit for the year from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,958</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">26</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,997</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit from discontinued operations (net)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,542&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,542)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit/(loss)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15,500</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,529)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">26</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,997</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,399)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">580&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(26)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(845)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">14,101</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(949)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,152</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 50&#160;million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.</span></div><div style="margin-bottom:15pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except for an addition of EUR 50 million mainly corresponding to results from commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:53.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.161%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Reconciliation of statutory results to underlying results</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Statutory results</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Adjustments related to the Poland disposal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other adjustments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Underlying results</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">43,787</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">37</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">43,824</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,376&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(41)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12,335&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,211&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,216&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(331)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(60)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(391)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">58,043</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(59)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">57,984</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Administrative expenses, depreciation and amortisation </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(25,215)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">80&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(25,135)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other operating costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,219)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2,219)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">32,828</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">21</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(2,219)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">30,630</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12,183)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">352&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(11,822)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3,298)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,867&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,431)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17,347</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">30</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17,377</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Tax on profit </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,844)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4,853)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Adjusted profit for the year from continuing operations</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,503</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">21</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,524</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit from discontinued operations (net)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,241&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,241)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit/(loss)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,744</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,220)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,524</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,170)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">420&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(750)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Attributable profit/(loss) to the parent</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,574</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(800)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,774</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt">Net Operating Income is used for the Group&#8217;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt">Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 47 million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.</span></div><div style="margin-bottom:27pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt">Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except for an addition of EUR 47 million mainly corresponding to results from commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations</span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:53.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.161%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Reconciliation of statutory results to underlying results</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Statutory results</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Adjustments related to the Poland disposal</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other adjustments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Underlying results</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net interest income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">40,650</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">68</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">40,718</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net fee income </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,495&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(27)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11,468&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Gains (losses) on financial transactions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,565&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,566&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(759)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(53)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(812)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total income </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">53,951</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(11)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">53,940</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Administrative expenses, depreciation and amortisation </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(24,684)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">69&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(24,615)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other operating costs</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,886)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,886)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net operating income</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">29,267</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">58</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,886)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">27,439</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">E</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12,260)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">474&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(11,784)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other gains (losses) and provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">F</span></div></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,002)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,651&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(350)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Operating profit/(loss) before tax </span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15,005</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">61</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">239</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15,305</span><span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Profit from discontinued operations (net)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,058&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1,058)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Consolidated profit/(loss)</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,183</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(1,016)</span></td><td 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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Related parties (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RelatedPartyTransactionsAbstract', window );"><strong>Related party transactions [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesExplanatory', window );">Schedule of related party transactions</a></td>
<td class="text"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following below is the balance sheet balances and amounts of the Group's income statement corresponding to operations with the parties related to it, distinguishing between associates and joint ventures, members of the Bank's board of directors, the Bank's senior management, 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 recognized.</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:33.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.198%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Associates and&#160;joint ventures</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Members of the board of directors</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Senior Management</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other related parties</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 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:105%">Assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,491</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">295</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cash, cash balances at central banks and other deposits on demand</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances: credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">286&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances: customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,835&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">274&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">160&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">208&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,978</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">376</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial liabilities: credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial liabilities: customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,761&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">376&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Marketable debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">191&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Income statement</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,724</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">441&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest expense</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(119)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gains/losses on financial assets and liabilities and others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(53)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Commission income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,546&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Commission expense</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(91)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,732</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">189</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial guarantees granted and Others</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">61&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loan commitments and Other commitments granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">335&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivative financial instruments</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,386&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">90&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:33.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.198%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Associates and&#160;joint ventures</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Members of the board of directors</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Senior Management</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other related parties</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 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:105%">Assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,783</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">226</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cash, cash balances at central banks and other deposits on demand</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">163&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances: credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">407&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances: customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,750&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">221&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">229&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">234&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,243</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">292</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial liabilities: credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">228&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial liabilities: customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,810&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">292&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Marketable debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">205&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Income statement</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,776</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">508&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest expense</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(153)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gains/losses on financial assets and liabilities and others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Commission income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,535&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Commission expense</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(103)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,712</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">216</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial guarantees granted and Others</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">64&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loan commitments and Other commitments granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">317&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Derivative financial instruments</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,377&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">132&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:33.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.198%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Associates and&#160;joint ventures</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Members of the board of directors</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Senior Management</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other related parties</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 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:105%">Assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10,497</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">12</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">186</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cash, cash balances at central banks and other deposits on demand</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">154&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances: credit institutions</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">405&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances: customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,275&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">185&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">391&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">272&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,480</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">150</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial liabilities: credit institutions</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">463&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial liabilities: customers</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,727&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">150&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Marketable debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">290&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Income statement</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,698</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest income</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">427&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest expense</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(149)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Gains/losses on financial assets and liabilities and others</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Commission income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,499&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Commission expense</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(122)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" 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style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,094</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Financial guarantees granted and Others</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">861&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loan commitments and Other commitments granted</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">274&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" 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Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">224&#160;</span></td><td style="border-bottom:0.5pt solid 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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Risk management (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RiskManagementAbstract', window );"><strong>Risk Management [Abstract]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureExplanatory', window );">Disclosure of main credit risk aggregates arising on customer business</a></td>
<td class="text"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Below are the main aggregates relating to credit risk from our activities with customers:</span></div><div style="margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:18.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.649%"></td><td style="width:0.1%"></td></tr><tr><td colspan="36" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Main credit risk performance metrics from activity with customers</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">A</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit risk with customers <br/>(EUR million)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit impaired</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(EUR million)</span></div></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">NPL ratio </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(%)</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">305,156</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">288,162</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">280,629</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,915</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">7,677</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">8,531</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.94</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.66</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.04</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">UK</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">244,303</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">248,061</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">247,360</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,645</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">3,299</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">3,518</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.08</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.33</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.42</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Portugal</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47,760</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">44,573</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">42,455</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">948</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,014</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,024</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.99</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.27</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.41</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Openbank Europe</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">144,039</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">141,312</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">135,608</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,642</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">3,527</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2,877</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.53</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.50</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.12</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">148,488</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">149,907</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">137,894</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,150</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">7,012</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">6,303</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.82</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.68</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.57</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexico</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53,476</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">49,927</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">52,785</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,420</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,352</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,489</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.65</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.71</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.82</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazil</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">118,546</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">116,247</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">126,722</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,010</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">7,090</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">7,923</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.76</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.10</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.25</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chile</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,146</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">44,590</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">46,565</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,528</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2,394</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2,332</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.73</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.37</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.01</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentina</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,813</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">8,411</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">3,903</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">677</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">173</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">78</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.68</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.06</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.99</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporate Centre</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9,340</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9,256</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">8,206</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">327</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">360</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">302</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.50</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.89</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.67</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,159,180</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,134,418</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,115,288</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">33,739</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">34,383</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">34,671</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2.91</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.03</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.11</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr></table></div><div style="text-indent:10.91pt"><span><br/></span></div><div style="margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"><tr><td style="width:1.0%"></td><td style="width:18.632%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.653%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.541%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.653%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.541%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.653%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.662%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">NPL coverage&#160;ratio </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(%) </span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net loan-loss provisions</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"><br/>(EUR million)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Cost&#160;of&#160;risk <br/>(%/risk)</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">D</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2024</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">53</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">49</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,142</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1,259</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">1,522</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.43</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0.50</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">0.61</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">UK</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">29</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">64</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">247</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.07</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.03</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.10</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Portugal</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">78</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">83</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">11</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">77</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.02)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.03</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.19</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Openbank Europe</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">87</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">83</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">88</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,363</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,209</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">792</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.97</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.88</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.62</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">55</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">64</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">68</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,244</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2,507</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2,593</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.62</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.82</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.92</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexico</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">105</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">100</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,239</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,277</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,135</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.69</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.64</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.43</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazil</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">81</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">79</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">83</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,409</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">4,487</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">4,701</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.17</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.03</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.27</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chile</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">48</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">53</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">531</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">497</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">365</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.32</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.19</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.80</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Argentina</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">90</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">177</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">166</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">574</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">284</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">150</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.34</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.59</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.64</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporate Centre</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">24</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">25</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">34</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">198</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(3)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(2)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2.79</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(0.05)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(0.04)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total Group</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">66</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">64</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">66</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,128</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,822</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,784</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1.14</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1.12</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1.13</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td></tr></table></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. Data for 2025, 2024 and 2023 reflect the new reporting structure. Management perimeter according to the reported segments.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Includes gross loans and advances to customers, guarantees. impaired undrawn customer balances and debt securities issued by non-financial institutions.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C. Loan-loss provisions net of post write-off recoveries (EUR 1,791&#160;million in 2025).</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D. Provisions to cover losses due to impairment of loans in the last 12 months / average customer loans and advances of the last 12 months.</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfCreditQualityTableTextBlock', window );">Schedule of exposure and impairment losses by stage</a></td>
<td class="text">In addition, depending on the transactions credit quality, the exposure is divided into four categories according to Standard &amp; Poor's rating scale:<div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"><tr><td style="width:1.0%"></td><td style="width:27.426%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.770%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</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></tr><tr><td colspan="3" style="border-top:0.6pt solid #ffffff;padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">112,795&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,243&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">115,038&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">367,186&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,393&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">381,579&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">291,014&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">44,363&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">335,376&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,114&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,114&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">31,275&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">56,503&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">779,109</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">78,112</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31,275</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">888,496</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-losses reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,068</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,698</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,177</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">20,942</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span><br/></span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"><tr><td style="width:1.0%"></td><td style="width:27.426%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.770%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">102,394&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,564&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">104,958&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">From A+ to BB</span></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">411,158&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">15,678&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">426,837&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">276,422&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">42,456&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">318,878&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,385&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,633&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">31,273&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">58,291&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">800,360</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">77,330</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31,273</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">908,963</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-losses reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,184</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,512</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,938</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">20,635</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%"> </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"><tr><td style="width:1.0%"></td><td style="width:27.426%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.770%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">140,792&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,237&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">143,029&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">404,184&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,746&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">417,930&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">250,619&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39,979&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">290,599&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,633&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18,846&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">32,455&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">62,933&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">807,228</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">74,808</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">32,455</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">914,491</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-losses reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,463</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,883</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,404</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">21,750</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Detail of credit quality ratings calculated for Group management purposes. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.23pt">Total exposure includes loan balances (drawn amounts) and off balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.45pt">Includes provisions for undrawn authorized lines (loan commitments).</span></div>Data for 2025, 2024 and 2023 reflect the new reporting structure, mainly the disposal of Poland. <div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">In addition, the exposure is divided in four tranches of the Standard &amp; Poor's rating scale, according to their current credit quality:</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:30.998%"></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:15.875%"></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="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">29,963&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">381&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,344&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">152,981</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,529&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">162,510&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">17,630</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,770&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,400&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">615</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,475&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,092&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">200,576</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">19,295</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,475</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">222,346</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">163</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">319</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">373</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">855</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></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:99.782%"><tr><td style="width:1.0%"></td><td style="width:30.998%"></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:15.875%"></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="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">32,012&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,184&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">33,196&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">159,970</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">10,916</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">170,886&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,594&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,175&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28,769&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">695&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,292&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,999&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">209,588</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">23,970</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,292</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">236,850</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">166</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">401</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">400</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">967</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span><br/></span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:30.998%"></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:15.875%"></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="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">46,236&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,273&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">47,509&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">145,884</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">10,850</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">156,734&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,588&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,995&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,583&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,518&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,518&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">205,708</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">26,118</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,518</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">235,344</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">172</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">498</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">396</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,066</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Detail of credit quality ratings calculated for Group management purposes. </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.23pt">Total exposure includes loan balances (drawn amounts) and off balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.45pt">Includes provisions for undrawn authorized lines (loan commitments).</span></div> In addition, the exposure is divided in four tranches of the Standard &amp; Poor's rating scale, according to their current credit quality:<div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:30.998%"></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:15.875%"></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="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">35,407&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">171&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">35,578&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">109,001</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">1,453</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">110,454&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">37,089&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">8,262&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">45,351&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2,189</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,680</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,761&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,630&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">183,686</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,566</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,761</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">201,013</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">382</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">483</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,204</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,069</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:30.998%"></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:15.875%"></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></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">35,347&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">110&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">35,457&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">104,197</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,124</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">105,321&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">37,413&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,844&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">46,257&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2,084</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">3,199</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,618&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,901&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">179,041</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,277</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6,618</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">198,936</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">340</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">570</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,953</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,863</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></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></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">&#160;&#160;&#160;&#160;</span></div><div style="margin-bottom:3pt;padding-left:11.34pt;text-indent:-11.34pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:30.998%"></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:15.875%"></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="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">46,827&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">48&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">46,875&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">101,079</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">780</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">101,859&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33,905&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,789&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">43,694&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 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:105%">1,513&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 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:105%">4,517&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 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:105%">7,536&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #A6A6A6;padding:2px 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:105%">13,566</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">183,324</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15,134</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,536</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">205,994</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">300</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">663</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,959</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,922</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Detail of credit quality ratings calculated for Group management purposes. Excluding the SCIB branches business</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:5.48pt">Total exposure includes loan balances (drawn amounts) and off balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.7pt">Includes provisions for undrawn authorized lines </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:115%">(loan commitments).</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:130%">The detail of Santander Bank, National Association exposure and loan-loss reserves associated with each of the stages at 31 December, 2025, 2024 and 2023 is shown below. In addition, the exposure is divided in four tranches of the Standard &amp; Poor's rating scale, according to their current credit quality:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:34.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.950%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,622&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">24&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,646&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">7,352</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">728</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">8,080</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">28,758</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">4,459</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">33,217</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">779</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">861</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,158</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2,798</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">38,511</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6,072</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,158</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">45,741</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">277</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">325</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">202</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">804</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:34.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.950%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,215&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">277&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,492&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">21,422</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">930</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">22,352</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">21,899</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">3,855</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">25,754</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">33</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">482</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,130&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,645</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">47,569</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,544</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,130</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">54,243</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">292</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">364</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">182</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">838</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:9.07pt;text-indent:8.93pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">&#160;&#160;&#160;&#160;</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:34.085%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.950%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,834&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">76&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,910&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">20,468</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">459</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,927&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,312&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,439&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28,751&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">52</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">450</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">894&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,396&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">50,666</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,424</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">894</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">55,984</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">409</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">335</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">141</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">885</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Detail of credit quality ratings calculated for Group management purposes.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:5.48pt">Total exposure includes loan balances (drawn amounts) and off-balance (letters of credit + guarantees) and excludes REPO, FV portfolio, trading portfolio and undrawn commitments.</span></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:5.7pt">Includes provisions for undrawn authorized lines (loan commitments).&#160;&#160;&#160;&#160;</span></div><div style="margin-bottom:3pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:33.467%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">54&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">54&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,167&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">947&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11,114&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,577&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,871&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,588&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,036&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,798</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,818</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,588</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">25,204</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">419</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">910</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,688</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,017</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:33.467%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">202</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">202&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">12,802</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">451</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,253&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">7,259</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">4,226</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,729&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,214&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,263</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,677</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,729</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30,669</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">630</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,006</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,908</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,544</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:33.467%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves by stage</span></div></td></tr><tr><td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">99</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">0</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">99&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">12,120</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">395</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,515&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">6,754</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">4,237</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,272&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16,263&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,973</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,632</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">5,272</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">28,877</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">597</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,019</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,712</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,328</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Detail of credit quality ratings calculated for Group management purposes.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.23pt">Total exposure includes loan balances (drawn amounts) and off-balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.45pt">Includes provisions for undrawn authorized lines (loan commitments).</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:33.467%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="12" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">16,898&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,513&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,411&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">29,179</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">1,253</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">30,432&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">36,089&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">7,035&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">43,124&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">1,217&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">3,801&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">7,151&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">12,169&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">83,383</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,602</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,151</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">104,136</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">648</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,128</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,216</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,992</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:33.467%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</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></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">19,557&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">970&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,527&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">32,824</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">1,637</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">34,461&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33,655&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,285&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">38,940&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">423&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,808&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,382&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,613&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">86,459</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">10,700</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6,382</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">103,541</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">687</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">860</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,766</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5,313</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:33.467%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.258%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.259%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure and loan-loss reserves</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</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></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Credit quality </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Stage 3</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">From AAA to AA-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,670&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">468&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21,138&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From A+ to BB</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">38,869</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">751</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">39,620&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">From BB- to B-</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36,107&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,177&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40,284&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">CCC and below</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,153&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,735&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,479&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,367&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total exposure</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">96,799</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9,131</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7,479</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">113,409</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan-loss reserves</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">722</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,078</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,538</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6,338</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:7.09pt;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:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Detail of credit quality ratings calculated for Group management purposes.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.23pt">Total exposure includes loan balances (drawn amounts) and off-balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.</span></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.45pt">Includes provisions for undrawn authorized lines (loan commitments).</span></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfMacroeconomicScenariosTableTextBlock', window );">Schedule of evolution projection based on main macroeconomic indicators</a></td>
<td class="text">The evolution forecasted in 2025 for the next five years of the main macroeconomic indicators used by Santander UK to estimate expected losses is presented below:<div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"><tr><td style="width:1.0%"></td><td style="width:25.834%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:17.166%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.166%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.166%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.168%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2026 - 2030</span></div></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Variables</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Base scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Optimistic scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate</span></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.4</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.5</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.3</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.0</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Unemployment rate</span></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7.3</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.8</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.5</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.2</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Housing price change</span></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.9</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.2</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.9</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.4</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">GDP growth</span></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.02</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.2</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.4</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.4</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div>The projected evolution for a period of five years of the main macroeconomic indicators used by Santander Spain for estimating expected losses as of 2025, is presented below:<div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:38.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.961%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.961%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.964%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2026-2030</span></div></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Variables</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Base scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Optimistic scenario&#160;</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.7&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.5&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.3&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Unemployment rate</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12.1&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9.7&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.2&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Housing price change</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.3&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.1&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.7&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">GDP growth</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.2&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.6&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.4&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></div>The evolution projected in 2025 for a period of five years of the main macroeconomic indicators used Santander Bank, National Association to estimate expected losses is presented below:<div style="padding-left:7.09pt;text-indent:-7.09pt"><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:29.976%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.053%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.053%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.592%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.826%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2026-2030</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Variables</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Base scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Optimistic scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate (annual averaged)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.8</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.6</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.2</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.0</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Unemployment rate</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.4</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.0</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.2</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">House price change</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.2</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.3</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.1</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">GDP growth</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.9</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.0</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Manheim growth</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.6</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.1</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.3</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.1</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. US used vehicle price car index. </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:130%">The evolution forecasted in 2025 for a period of five years of the main macroeconomic indicators used by in SC USA in the estimation of expected losses is shown below:</span></div><div><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:29.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.053%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.053%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.592%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.441%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2026-2030</span></div></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Variables</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;2</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Base scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Optimistic scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate (annual averaged)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.8</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.6</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.2</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.0</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Unemployment rate</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.4</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.0</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.2</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">House price change</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.2</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.3</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.1</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">GDP growth</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.9</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.0</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Manheim</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"> index</span></div></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.6</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.1)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.3</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.1</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. US used vehicle price car index. </span></div>The evolution for a period of five years of the main macroeconomic indicators used to estimate the expected losses in Santander Brazil is as follows:<div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:36.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.580%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2026-2030</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Variables</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Pessimistic scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Base scenario</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Optimistic scenario</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate (annual averaged)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11.5</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10.9</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10.3</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Unemployment rate</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8.0</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.5</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.4</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">House price change</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.1</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.9</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10.3</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">GDP growth</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.2</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.9</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.8</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Burden income</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27.0</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26.8</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26.1</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfWeightAssociatedWithMacroeconomicScenariosTableTextBlock', window );">Schedule of weights used for current political and economic positions</a></td>
<td class="text">In addition, at 31 December 2025, 2023 and 2022, the weights used by Santander UK reflect the future prospects of the British economy in relation to its current political and economic position so that higher weights are assigned for negative scenarios:<div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:47.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.183%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.183%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.186%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario&#160;3</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pessimistic scenario&#160;2</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pessimistic scenario&#160;1</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Base scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Optimistic scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></div>As for its allocation, Santander Spain associates the Base scenario with the highest weight, while associating the lower weights to the most extreme scenarios:<div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:36.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.580%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Base scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Optimistic scenario&#160;1</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></div>As for its allocation, Santander Bank, National Association associates the highest weighting to the Base scenario, while associates the lowest weightings to the most extreme scenarios:<div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:43.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.420%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario 2</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pessimistic scenario 1</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Base scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">33&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Optimistic scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></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:130%">Each of the macroeconomic scenarios is associated with a given weight. Santander Consumer USA Inc. associates the highest weighting to the Base scenario, whereas it associates the lowest weightings to the most extreme or acid scenarios:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:47.974%"></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:15.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.876%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario 2</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">Pessimistic scenario 1</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">20&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">Base scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">33&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">33&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">33&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 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:105%">Optimistic scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">30&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></div>Regarding its assignation, Brazil links the highest weight to the base scenario whilst links the lowest weights to the most extreme scenarios:<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:36.862%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.580%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Pessimistic scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">10&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Base scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">75&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">75&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">80&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Optimistic scenario</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr></table><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfMacroeconomicVariablesSensitivityAnalysisTableTextBlock', window );">Disclosure of sensitivity analysis</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios, as of December 2025, 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:99.474%"><tr><td style="width:1.0%"></td><td style="width:54.317%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.191%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.192%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change in Provision</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mortgages</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporates</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">GDP Growth</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">11.6</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.9</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2.9</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.4</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Housing price change</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7.3</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">6.0</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3.5</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.6</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Unemployment rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(12.3</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(2.5</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23.7</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5.7</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></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:130%">The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios, at December 31 2025, 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:44.270%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.494%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change in Provision</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mortgages</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporates</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Others</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">GDP Growth</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8.5</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.1</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.1</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(3.6</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.9</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.9</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Housing price change</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8.4</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.5</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3.4</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(6.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.8</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Unemployment rate</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6.0</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.5</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3.7</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14.7</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.8</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.7</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></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:115%">The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios as of 2025 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:32.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.123%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change in Provision</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Mortgages</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Corporates</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Auto</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">GDP Growth</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.6%</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.9%</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.8%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(10.6%)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.7%)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.0%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Housing price change</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">26.9%</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.7%</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.0%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(12.9%)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9.3%)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2.5%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Unemployment rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(41.6%)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(25.9%)</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7.9%)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">53.9%</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39.5%</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.8%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Manheim index</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.8%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(1.4%)</span></td></tr></table></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:130%">The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios at the end of 2025 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:94.546%"><tr><td style="width:1.0%"></td><td style="width:59.812%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:37.988%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change in provision</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">SC Auto</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Manheim index</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">1.0%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(0.8%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Unemployment Rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">(4.9%)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">7.0%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">House Price Change</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">3.1%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(1.6%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">GDP&#160;growth</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 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:105%">1.7%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(1.2%)</span></td></tr></table></div><div style="margin-bottom:6pt;text-indent:-0.01pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios is at the end of 2025 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:40.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.346%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Change in provision</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Individuals</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">SME</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">GDP growth</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.3</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.9</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2.6</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.7</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.3</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1.4</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Unemployment rate</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.9</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(3.8</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(4.5</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.8</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.2</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6.3</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest rate (SELIC)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">-100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.6</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.6</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.9</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">+100 bps</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.7</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4.0</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3.5</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SummaryQuantitativeDataAboutEntitysExposureToRisk', window );">Schedule of exposure to risk</a></td>
<td class="text">These transactions were made on terms equivalent to those that prevail in arm&#8217;s-length transactions or the related compensation in kind was recognized:<div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:38.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.832%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR thousand</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and credits</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Guarantees</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans and credits</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Guarantees</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Ana Bot&#237;n</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">H&#233;ctor Grisi</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Jos&#233; Antonio &#193;lvarez</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Glenn Hutchins</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Antonio Francesco Weiss </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Bel&#233;n Romana</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Bruce Carnegie-Brown</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"> A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid 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style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Germ&#225;n de la Fuente</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander 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style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span 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style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Henrique de Castro</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Homaira Akbari</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Javier Bot&#237;n</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander 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0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Ramiro Mato</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"> D</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Sol Daurella </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">140</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">140</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">143</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">143</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt">Ceased as director of Banco Santander, S.A. on 22 March 2024.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt">Director since 27 June 2024. </span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.7pt">Director since 27 June 2024.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5pt">Ceased as director of Banco Santander, S.A. on 27 June 2024 .</span></div><div style="margin-bottom:9pt;margin-top:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"><tr><td style="width:1.0%"></td><td style="width:46.887%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.906%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.907%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which: impaired</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Home purchase loans to families</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">60,002&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">625&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Without mortgage collateral</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">215&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">With mortgage collateral</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">59,787&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">618&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></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:99.474%"><tr><td style="width:1.0%"></td><td style="width:46.887%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.906%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.907%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which: impaired</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Home purchase loans to families</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59,316&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">789&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Without mortgage collateral</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">208&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">With mortgage collateral</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">59,108&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">778&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"><tr><td style="width:1.0%"></td><td style="width:46.887%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.906%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.907%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which: impaired</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Home purchase loans to families</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">61,097&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">924&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Without mortgage collateral</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">215&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">With mortgage collateral</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">60,882&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">908&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-bottom:9pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:25.443%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.282%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.591%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.284%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Excess of gross exposure over maximum recoverable amount of effective collateral</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Specific allowance</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financing for construction and property development (including land) (business in Spain)</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,984</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">211</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Of which impaired</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Memorandum items written-off assets</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">240</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></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:99.782%"><tr><td style="width:1.0%"></td><td style="width:69.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:28.221%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Memorandum&#160;items:&#160;Data&#160;from&#160;the&#160;public&#160;consolidated&#160;balance&#160;sheet</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Carrying amount</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">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 #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">240,609&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Total consolidated assets (Total business) (Book value)</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,867,515&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Impairment losses and credit risk allowances. Coverage for unimpaired assets (business in Spain)</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,086&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table shows the detail of the assets foreclosed by the businesses in Spain at the end of 2025:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><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"></td><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Valuation adjustments</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Of which impairment losses on assets since time of foreclosure</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Net Carrying amount</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Property assets arising from financing provided to construction and property development companies</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3,843</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,144</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,591</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,699</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Completed buildings</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">481&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">324&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">282&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">157&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Residential</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">129&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">71&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">60&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">58&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">352&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">253&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">222&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">99&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Buildings under construction</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">107&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">49&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">35&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">58&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Residential</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">107&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">49&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">35&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">58&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Land</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,255&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,771&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,274&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,484&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Developed land</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">776&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">429&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">260&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">347&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Other land</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">2,479&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,342&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,014&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,137&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Property assets from home purchase mortgage loans to households</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">334</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">172</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">119</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">162</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Other foreclosed property assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">81</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">44</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">36</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">37</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total property assets</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4,258</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,360</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,746</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,898</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:18.307%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.566%"></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:12.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.307%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.162%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Portfolio</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span><br/></span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial&#160;assets <br/>at&#160;fair&#160;value <br/>through&#160;other <br/>comprehensive <br/>income</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial <br/>assets&#160;at <br/>amortised&#160;cost</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Non-trading financial assets mandatory at fair value through profit or loss</span></td><td colspan="3" style="padding:2px 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:105%">Total net direct exposure</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Total net direct exposure</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%">3,852&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%">112&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%">58,044&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%">62,008&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 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:105%">56,293&#160;</span></td><td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Portugal</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(659)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,199&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,767&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,307&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,652&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Italy</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,875&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">440&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,557&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,872&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12,915&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Greece</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Ireland</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(38)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest Eurozone</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,684&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">254&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,443&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,381&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,212&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">UK</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">907&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,001&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,687&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,595&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,772&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Poland</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,141&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,339&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,333&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,813&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14,286&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of Europe</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">526&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">534&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">954&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,783&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,320&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,943&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,046&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">24,926&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Brazil</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,089&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,533&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,543&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,165&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">26,641&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Mexico</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10,663&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,652&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,599&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">25,914&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">21,642&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Chile</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">676&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,666&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,254&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,596&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,900&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of America</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,593&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,654&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,151&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,398&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,431&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Rest of the World</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">211&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,128&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,356&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,003&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">38,785</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">35,187</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">150,975</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">&#8212;</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">224,947</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">198,627</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:115%;position:relative;top:-2.44pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> Risks with domestic public or private borrowers in foreign currency and originated outside the country.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:115%;position:relative;top:-2.44pt;vertical-align:baseline">2 </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Countries that are not considered low risk by Banco de Espa&#241;a.</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:27.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.606%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Current refinancing and restructuring balances</span></td></tr><tr><td colspan="24" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Amounts in EUR million, except number of transactions that are in units</span></td></tr><tr><td colspan="24" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Without&#160;real&#160;guarantee</span></td><td colspan="12" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">With&#160;real&#160;guarantee</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:26pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Maximum amount of the actual collateral that can be considered</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impairment of accumulated value or accumulated losses in fair value due to credit risk</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Number of transactions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Gross amount</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Number of transactions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Real estate guarantee</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Rest of real guarantees</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit entities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Public sector</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other financial institutions and: individual shareholder</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">933&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">94&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">462&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">182&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">117&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">15&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">94&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non-financial institutions and individual shareholder</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">489,192&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5,095&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">42,700&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5,596&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,271&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">923&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,713&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%">Of which financing for constructions and property development</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">249&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">21&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">523&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">739&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">695&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">75&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other warehouses</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,000,071&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4,556&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">515,253&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">9,699&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,752&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,777&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3,665&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">3,490,210</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">9,751</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">558,424</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">15,484</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">7,145</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">4,715</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">6,480</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financing classified as non-current assets and disposable groups of items that have been classified as held for sale</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">13,499&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">261&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4,630&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">566&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">406&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">171&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:99.871%"><tr><td style="width:1.0%"></td><td style="width:24.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.718%"></td><td style="width:0.1%"></td></tr><tr><td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Current refinancing and restructuring balances</span></td></tr><tr><td colspan="24" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">Amounts in EUR million, except number of transactions that are in units</span></td></tr><tr><td colspan="24" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="24" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Of&#160;which,&#160;non-performing/Doubtful</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Without&#160;real&#160;guarantee</span></td><td colspan="12" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">With&#160;real&#160;guarantee</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:26pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Maximum amount of the actual collateral that can be considered</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Impairment of accumulated value or accumulated losses in fair value due to credit risk</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Number of transactions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Gross amount</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Number of<br/>transactions</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Gross amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Real estate guarantee</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Rest of real guarantees</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Credit entities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Public sector</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other financial institutions and: individual shareholder</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">579&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">259&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">75&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">89&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Non-financial institutions and individual shareholder</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">296,008&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,901&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">26,767&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,585&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,166&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">420&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,420&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Of which financing for constructions and property development</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">167&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">264&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">156&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">115&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Other warehouses</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,620,343&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,401&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">296,470&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5,313&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,730&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,232&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">2,991&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">Total</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">1,916,935</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">5,354</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">323,505</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">7,980</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,923</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">2,663</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%">5,508</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">Financing classified as non-current assets and disposable groups of items that have been classified as held for sale</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">6,901&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">120&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">1,720&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">235&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">110&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">5&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%">145&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">The balance sheet items in the Group&#8217;s consolidated position that are subject to market risk are shown below, distinguishing those positions for which the main risk metric is VaR from those for which risk monitoring is carried out using other metrics:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:50.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.939%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Risk metric values on the consolidated balance sheet</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</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></tr><tr><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Main market risk metric</span></td><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Balance sheet amount</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">VaR</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other</span></td><td colspan="3" style="padding:2px 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:105%">Main risk factor for 'Other' balance</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Assets&#160;subject&#160;to&#160;market&#160;risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Cash, cash balances at central banks and other deposits on demand</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">152,281&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">152,281&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Interest rate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets held for trading</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">252,318&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">252,318&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-trading financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,761&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,815&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,946&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,046&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,046&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets designated at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">74,612&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,281&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">72,331&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial assets at amortized cost</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,202,689&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,202,689&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,931&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">3,931&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, exchange rate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other assets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">165,827&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,867,515</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Liabilities subject to market risk</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Financial liabilities held for trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">171,546&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">171,546&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">42,148&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">42,148&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Financial liabilities at amortized cost</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,421,184&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,421,184&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, spread</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Hedging derivatives</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,248&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,248&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate, exchange rate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">49&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">49&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">115,592&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">1,754,767</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Equity</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">112,748</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsExplanatory', window );">Disclosure of concentrations</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Breakdown of the credit with mortgage guarantee to households for house acquisition, according to the percentage that the total risk represents on the amount of the latest available valuation (loan to value):</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.131%"><tr><td style="width:1.0%"></td><td style="width:31.735%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.094%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.094%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.094%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.094%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.094%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.095%"></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 #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Loan to value ratio</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Less than or equal&#160;to&#160;40%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than 40% and less than 60%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than 60% and less than 80%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than 80% and less than or equal to 100%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">More than 100%</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross amount</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,191&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">20,310&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,811&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">2,812&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">663&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">59,787&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">Of which impaired</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">122&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">158&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">151&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">84&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">103&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">618&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:8.6pt;font-weight:400;line-height:130%">At year-end, the distribution of this portfolio was 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:67.109%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.691%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR Million</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loans: gross amount</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">1. Without mortgage guarantee</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">2. With mortgage guarantee</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,970&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.1 Completed buildings</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">976&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.1.1 Residential</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">658&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.1.2 Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">318&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.2 Buildings and other constructions under construction</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,981&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.2.1 Residential</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,913&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.2.2 Other</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">68&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3 Land</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3.1 Developed consolidated land</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3.2 Other land</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,984</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The detail, by activity and geographical area of the Group's risk concentration at 31 December 2025 is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:42.603%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.161%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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"></td><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Spain</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Other EU countries</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">America</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Rest of the world</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Central banks and Credit institutions</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">326,316&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">61,256&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">71,853&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">119,532&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">73,675&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Public sector</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">267,765&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82,131&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">62,620&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">109,109&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,905&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Central government</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">239,153&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">66,479&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">57,468&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">101,768&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13,438&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Other central government</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">28,612&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,652&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,152&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,341&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">467&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Other financial institutions (financial business activity)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">207,044&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16,301&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50,819&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">101,600&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38,324&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-financial companies and individual entrepreneurs (non-financial business activity) (broken down by purpose)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">447,496&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">103,836&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94,760&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">188,078&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">60,822&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Construction and property development</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">20,322&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,130&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2,090&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,396&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,706&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Civil engineering construction</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">5,128&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,835&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,740&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,468&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">85&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Large companies</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">291,515&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">53,841&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">63,635&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">127,003&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">47,036&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">SMEs and individual entrepreneurs</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">130,531&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">44,030&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,295&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">50,211&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,995&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Households &#8211; other (broken down by purpose)</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">543,928&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88,602&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">98,262&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">142,560&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">214,504&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Residential</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">333,552&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">61,818&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">27,030&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">46,605&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">198,099&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Consumer loans</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">192,746&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19,784&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">69,670&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">87,491&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">15,801&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Other purposes</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">17,630&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,000&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,562&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,464&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">604&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,792,549</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">352,126</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">378,314</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">660,879</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">401,230</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span>For the purposes of this table, the definition of risk includes the following items in the public balance sheet: 'Loans and advances to credit institutions', 'Loans and advances to Central Banks', 'Loans and advances to Customers', 'Debt securities', 'Equity Instruments', 'Trading Derivatives', 'Hedging derivatives', 'Investments and financial guarantees given'.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory', window );">Schedule of changes in impairment losses on debt instruments</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The changes in the impairment losses on debt securities are summarised below:</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:53.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.025%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Balance at beginning of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">349&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">286&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">226&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Net impairment losses for the&#160;year</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">182&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">226&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Impairment losses charged to income </span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">238&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">234&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;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:105%">Impairment losses reversed with a credit to income</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(56)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(8)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(12)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Assets written off</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(131)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange differences and other items</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(32)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 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:105%">Balance at end of&#160;year</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">520</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">349</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 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:105%">286</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;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:105%">Of which:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">By geographical location of risk:</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;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:105%">European Union</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">26&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">22&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;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:105%">America</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">494&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">326&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">264&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Of the EUR 182 million corresponding to net provisions for the year ended 31 December 2025 (EUR 226 million and EUR 24 million at 31 December 2024 and 2023, respectively), EUR 182 million relates to financial assets at amortized cost (EUR 227 million and EUR 23 million at 31 December 2024 and 2023, respectively) and EUR 0 million relates to financial assets designated at fair value through other comprehensive income (EUR -1 million and EUR 1 million at 31 December 2024 and 2023, respectively).</span></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following is the movement of the loan loss provision broken down by impairment stage of loans and advances to customers during 2025, 2024 and 2023:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:39.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.023%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.025%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">2025</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the beginning of the year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,293&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,744&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,088&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,125&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,734&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,887&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(701)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,931&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,230&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,189)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,760&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,571&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">82&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(466)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(384)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(344)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(167)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(59)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(43)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes of the exposure and modifications in the credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,269&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(800)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,581&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,050&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,266)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">FX and other movements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(112)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(569)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,164)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,845)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,000</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,631</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">13,527</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21,158</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:40.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">2024</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the beginning of the year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,596&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,954&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,238&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,788&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(626)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,676&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,050&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(385)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,548&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,163&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,591)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,444&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,853&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">109&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(725)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(616)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(693)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(415)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(156)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(133)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes of the exposure and modifications in the credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">755&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(704)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,655&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,706&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,212)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,212)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">FX and other movements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(179)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(144)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(736)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,059)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,293</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,744</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,088</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">22,125</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></div><div style="margin-bottom:3pt;margin-top:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:40.875%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.407%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the beginning of the year</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,626&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,127&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13,931&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">22,684&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Transfers</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(696)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,954&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2,258&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 1</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(405)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,873&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 3 from stage 2</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,820)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3,721&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,901&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 2</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">149&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(905)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(756)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 2 from stage 3</span></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">282&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(920)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(638)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">To stage 1 from stage 3</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(184)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(157)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net changes of the exposure and modifications in the credit risk</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">875&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(557)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,212&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,530&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Write-offs</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(13,847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">FX and other movements</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(127)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">47&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(60)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Loss allowance at the end of the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">3,596</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4,954</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">14,238</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">22,788</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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:130%">The changes in gross property development loans to customers were 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:99.782%"><tr><td style="width:1.0%"></td><td style="width:40.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.346%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="9" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at beginning of year</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 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:105%">2,545</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2,433</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">2,327</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Foreclosed assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">(1)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Net variation</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">441</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">112</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">115</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Written-off assets</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">&#8212;</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(8)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Balance at end of year</span></td><td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,984</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,545</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2,433</span></td></tr></table></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The gross movement in foreclosed properties were as follows (EUR billion):</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:38.097%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.579%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.961%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.963%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">EUR Billion</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Gross additions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.1&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">0.1</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">0.3</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Disposals</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.7)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(0.8)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(1.2)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Difference</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(0.6)</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.7)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(0.9)</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfMaximumExposureLimitsBasedOnCreditQualityTableTextBlock', window );">Maximum exposure limits based on credit quality</a></td>
<td class="text"><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Our investment strategy for sovereign risk considers country&#8217;s credit quality to set the maximum exposure limits. The following table shows the percentage of exposure by rating</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline">A</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:43.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.418%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.420%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Exposure distribution by rating</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">AAA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">21&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">AA</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">18&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">19&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">A</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">43&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">41&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">BBB</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">11&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Less than BBB</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">10&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></div><div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.85pt">Internal ratings are applied.</span></div></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfNatureAndExtentOfRisksByRiskFactorTextBlock', window );">Disclosure of concentrations by risk factor</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table displays the latest and average VaR values at 99% by risk factor over the last three years. It also shows the minimum and maximum VaR values in 2025 and 97.5% ES at the end of December 2025:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span><br/></span></div></div></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:22.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.201%"></td><td style="width:0.1%"></td></tr><tr><td colspan="36" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:justify"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">VaR statistics and expected shortfall by risk factor</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline">A</span></div></td></tr><tr><td colspan="36" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million. VaR at 99% and ES at 97.5% with one day time horizon</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td><td colspan="12" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">VaR&#160;(99%)</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">ES (97.5%)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">VaR</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">VaR</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:1pt;text-align:justify"><span><br/></span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Min</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Average</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Max</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Latest</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Latest</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Average</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Latest</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Average</span></div></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:1pt;text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Latest</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Trading</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">29.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">16.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Diversification effect</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(10.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(21.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(59.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(17.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(18.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(19.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(27.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(14.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(17.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">16.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Credit spread</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Commodities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Europe</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">28.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">16.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Diversification effect</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(8.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(18.0)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(32.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(15.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(17.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(15.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(18.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(10.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(13.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">19.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Credit spread</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Commodities</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.1&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.2&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.3&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.1&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.1&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.2&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.1&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.2&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.3&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total North America</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">8.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">6.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">4.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Diversification effect</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(1.1)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.8)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equities</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.1&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">0.1&#160;</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total South America</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">3.2</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7.6</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">16.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5.8</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">5.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7.3</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">7.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Diversification effect</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(0.3)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(28.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(8.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6.9)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(5.5)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6.2)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(6.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Interest rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8.8&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Equities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Exchange rate</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.6&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Commodities</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.1&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.5&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.0&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.8&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.3&#160;</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">3.2&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5.1&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.6&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.6&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:12pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A. In South and North America, VaR levels of credit spreads and commodities are not shown separately due to their low or null materiality.</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:130%">In general, the structural VaR of Grupo Santander tota</span><span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">l assets and equity is minor</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">.</span></div><div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:23.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.941%"></td><td style="width:0.1%"></td></tr><tr><td colspan="27" style="border-bottom:1pt solid #ec0000;padding:2px 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:105%">Structural VaR</span></td></tr><tr><td colspan="27" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million. Structural VaR 99% with a temporary horizon of one day.</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="padding:2px 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:105%">2025</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Min</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Max</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Latest</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Latest</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Average</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Latest</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 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:105%">Structural VaR</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">598.5</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">662.9</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">751.9</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 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:105%">690.1</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">747.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">687.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">705.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">749.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Diversification effect</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(155.9)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(258.4)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(265.6)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(206.6)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(386.4)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(268.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(416.6)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">(444.7)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">VaR Interest Rate</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">158.3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177.3&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">205.8&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">177.6&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">412.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">235.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">348.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">380.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">VaR Exchange Rate</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">486.0&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">597.7&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">648.7&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">572.4&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">571.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">594.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">580.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">642.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">VaR Equities</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">110.1&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">146.3&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">163.0&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">146.7&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">150.4&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">126.5&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">192.8&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">171.1&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:18pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"> Includes credit spread VaR on ALCO portfolios.</span></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfHighQualityLiquidAssetsTableTextBlock', window );">Disclosure of high quality liquid assets</a></td>
<td class="text"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:47.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.183%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.183%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.186%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Amount weighted applicable</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Amount weighted applicable</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Amount weighted applicable</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">High-quality liquid assets-HQLAs</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Cash and reserves available at central banks</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">150,883&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">188,745&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">217,935&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Marketable assets Level 1</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">173,744&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">150,912&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">119,043&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Marketable assets Level 2A</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5,726&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,696&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">4,236&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Marketable assets Level 2B</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">7,584&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,951&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,814&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total high-quality liquid assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">337,937</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">351,304</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">348,028</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfLiquidityCoverageRatioByComponentTableTextBlock', window );">Disclosure of liquidity coverage ratio by component</a></td>
<td class="text"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:47.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.183%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.183%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.186%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million </span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">2025</span></td><td colspan="3" style="padding:2px 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:105%">2024</span></td><td colspan="3" style="padding:2px 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:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">High-quality liquid assets-HQLAs (numerator)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">301,618</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">315,524</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">348,028</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Total net cash outflows (denominator)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">208,388</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">206,889</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">209,892</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Cash outflows</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">287,044</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">278,760</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">282,982</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;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:105%">Cash inflows</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">78,656</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">71,871</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">73,090</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Consolidated LCR ratio (%)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">145</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">153</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">166</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Group LCR ratio (%)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">155</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">168</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.75pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">NSFR ratio (%)</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">126</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">126</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">123</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskExplanatory', window );">Schedule of maturity analysis of assets and guarantees received and committed</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The residual maturities of the liabilities associated with the assets and guarantees received and committed are presented below, as of 31 of December of 2025 (EUR billion):</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:12.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.574%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">Residual maturities of the liabilities</span></td><td colspan="3" style="padding:2px 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:105%">Unmatured</span></td><td colspan="3" style="padding:2px 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:105%">&lt;=1month</span></td><td colspan="3" style="padding:2px 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:105%">&gt;1 month<br/>&lt;=3 months</span></td><td colspan="3" style="padding:2px 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:105%">&gt;3 months<br/>&lt;=12 months</span></td><td colspan="3" style="padding:2px 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:105%">&gt;1 year<br/>&lt;=2 years</span></td><td colspan="3" style="padding:2px 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:105%">&gt;2 years<br/>&lt;=3 years</span></td><td colspan="3" style="padding:2px 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:105%">3 years<br/>&lt;=5 years</span></td><td colspan="3" style="padding:2px 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:105%">5 years<br/>&lt;=10 years</span></td><td colspan="3" style="padding:2px 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:105%">&gt;10 years</span></td><td colspan="3" style="padding:2px 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:105%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Committed assets</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">24.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">50.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14.1&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38.8&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">29.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">37.7&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36.6&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">306.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Guarantees received committed</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.2&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">85.2&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28.2&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">61.8&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.0&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.8&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.9&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.1&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">185.2&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfManagingLiquidityRisk', window );">Schedule of on and off-balance sheet assets provided as security in transactions to obtain liquidity</a></td>
<td class="text"><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The reported Group information as required by the EBA at 2025 year-end is as follows:</span></div></div><div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.044%"></div></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"><tr><td style="width:1.0%"></td><td style="width:31.937%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.640%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.643%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 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:105%">On-balance-sheet encumbered assets</span></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="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR billion</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></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Carrying amount of encumbered assets</span></td><td colspan="3" style="padding:2px 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:105%">Fair value of encumbered assets</span></td><td colspan="3" style="padding:2px 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:105%">Carrying amount of unencumbered assets</span></td><td colspan="3" style="padding:2px 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:105%">Fair value of unencumbered assets</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">152.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,149.4&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">117.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">118.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">182.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">180.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other assets</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">212.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total assets</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">304.9</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1,562.7</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ebebeb;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr></table></div><div style="display:inline-block;vertical-align:top;width:48.043%"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:38.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:28.220%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:29.766%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Encumbrance of collateral received</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR billion</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></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Fair value of encumbered collateral received or own debt securities issued</span></td><td colspan="3" style="padding:2px 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:105%">Fair value of collateral received or own debt securities issued available for encumbrance</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Collateral received</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">185.2&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">70.3&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Loans and advances</span></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.5&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Equity instruments</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt securities</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">172.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other collateral received</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">0.1&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Own debt securities issued other than own covered bonds or ABSs</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.4</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">1.1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:38.714%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:28.220%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:29.766%"></td><td style="width:0.1%"></td></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Encumbered assets and collateral received and matching liabilities</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR billion</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></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">Matching liabilities, contingent liabilities or securities lent</span></td><td colspan="3" style="padding:2px 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:105%">Assets, collateral received and own debt securities issued other than covered bonds and ABSs encumbered</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total sources of encumbrance<br/>(carrying amount)</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">472.0</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">491.5</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTableTextBlock', window );">Schedule of regulatory capital</a></td>
<td class="text">The key regulatory capital figures are indicated below:<div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"><tr><td style="width:1.0%"></td><td style="width:53.389%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.070%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.070%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.071%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Reconciliation of accounting capital with regulatory capital</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</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></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Subscribed capital</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,345&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,576&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,092&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Share premium account</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,792&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">40,079&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">44,373&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Reserves</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">84,700&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76,568&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">69,278&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Treasury shares</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(96)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(68)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,078)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Attributable profit</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">14,101&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">12,574&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,076&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Approved dividend</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,698)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,532)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,298)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Shareholders&#8217; equity on public balance sheet</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">141,144</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">135,197</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">130,443</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Valuation adjustments</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(37,973)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(36,596)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(35,020)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Non-controlling interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,578&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,726&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,818&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total Equity on public balance sheet</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">112,748</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">107,327</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">104,241</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Goodwill and intangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(15,037)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16,098)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(17,313)</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Eligible preference shares and participating securities</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,645&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,371&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,002&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Accrued dividend</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">C</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,827)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,611)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,471)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other adjustments</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">A</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(11,146)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9,817)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8,717)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Tier 1</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline">B</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">94,383</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">90,172</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">85,742</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> </span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt">Fundamentally for non-computable non-controlling interests and deductions and reasonable filters in compliance with CRR.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt">Figures calculated by applying the transitional provisions of CRR 3.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt">Assumes 25% of underlying profit, see note 4.a for proposed distribution of results.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: Certain figures presented in this capital note have been rounded for ease of presentation. Consequently, the amounts corresponding to the rows or columns of totals in the tables presented in this note may not coincide with the arithmetic sum of the concepts or items that make up the total.</span></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><span><br/></span></div><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:130%;position:relative;top:-2.44pt;vertical-align:baseline">1 </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%">Data calculated applying the transitional provisions of CRR 3.</span></div><div style="display:inline-block;vertical-align:top;width:48.044%"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table shows the capital coefficients and a detail of the eligible internal resources of the Group:</span></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:50.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.951%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Capital coefficients</span></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="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</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></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Level 1 ordinary eligible capital (EUR million)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">84,739</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">79,800</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">76,741</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Level 1 additional eligible capital (EUR million)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,645</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">10,371</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">9,002</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Level 2 eligible capital (EUR million)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,460</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">18,418</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">16,497</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Risk-weighted assets (EUR million)</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">629,430</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">624,503</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">623,731</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Level 1 ordinary capital coefficient (CET 1)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">13.46&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12.78&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">12.30&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Level 1 additional capital coefficient (AT1)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1.53&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.66&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1.45&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Level 1 capital coefficient (TIER1)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15.00&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">14.44&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">13.75&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Level 2 capital coefficient (TIER 2)</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">2.77&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.95&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">2.64&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total capital coefficient</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17.77</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17.39</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">16.39</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">%</span></td></tr></table><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"> </span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:50.751%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.949%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.951%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%">Eligible&#160;capital</span></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="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</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></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Eligible&#160;capital</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Common Equity Tier I</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">84,739</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">79,800</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">76,741</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Capital</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,345&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">7,576&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,092&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(-) Treasure shares and own shares financed</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,892)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(1,694)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(2,847)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Share Premium</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36,792&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">40,079&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">44,373&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Reserves</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">84,663&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">76,608&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">68,721&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other retained earnings</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(39,918)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(38,617)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(35,038)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Minority interests</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,037&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,479&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,899&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Profit net of dividends</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,576&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">9,431&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">8,307&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Deductions</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21,863)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(22,061)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(21,766)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Goodwill and intangible assets</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(15,037)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(15,957)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(17,220)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">&#160;&#160;&#160;Others</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(6,826)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(6,104)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">(4,546)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Additional Tier I</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9,645</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">10,371</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9,002</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Eligible instruments AT1</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,937&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">9,725&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">8,461&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">AT1-excesses-subsidiaries</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">708&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">645&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">541&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Tier II</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">17,460</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">18,418</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">16,497</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Eligible instruments T2</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">17,754&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">18,869&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">17,101&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Excess IRB provision on PE</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">76&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:400;line-height:105%">T2-excesses -&#160;subsidiaries</span></div></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(294)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(450)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">(680)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Total eligible capital</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">111,845</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">108,589</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">102,240</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">Note: Banco Santander, S.A. and its affiliates had not taken part in any State aid programmes.</span></div></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfLeverageCapitalAndRatioTableTextBlock', window );">Schedule of leverage capital and ratios</a></td>
<td class="text"><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"><tr><td style="width:1.0%"></td><td style="width:40.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.346%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%">EUR million</span></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="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 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:105%">Leverage</span></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Level 1 Capital</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94,385&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">90,170&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">85,742&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Exposure</span></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,924,349&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">1,885,572&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 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:105%">1,826,922&#160;</span></td><td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 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:105%">Leverage Ratio</span></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4.90&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.78&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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:105%">4.69&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 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:105%">%</span></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DescriptionOfManagingLiquidityRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of how the entity manages its liquidity risk. [Refer: Liquidity risk [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 39<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_39_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 72<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_72_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 72<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_72_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DescriptionOfManagingLiquidityRisk</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfCreditRiskExposureExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of the credit risk exposure. Credit risk exposure is the credit risk inherent in an entity&#8217;s financial assets and commitments to extend credit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfCreditRiskExposureExplanatory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of a maturity analysis for financial assets held for managing liquidity risk. [Refer: Financial assets; Liquidity risk [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph B11E<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B11E&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskExplanatory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of information that enables users of financial statements to evaluate the nature and extent of risks arising from financial instruments to which the entity is exposed. [Refer: Classes of financial instruments [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsExplanatory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:textBlockItemType</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of the reconciliation of changes in the loss allowance and explanation of changes in the gross carrying amount for financial instruments. Loss allowance is the allowance for expected credit losses on financial assets measured in accordance with paragraph 4.1.2 of IFRS 9, lease receivables and contract assets, the accumulated impairment amount for financial assets measured in accordance with paragraph 4.1.2A of IFRS 9 and the provision for expected credit losses on loan commitments and financial guarantee contracts. [Refer: Gross carrying amount [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SummaryQuantitativeDataAboutEntitysExposureToRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The disclosure of summary quantitative data about the entity's exposure to risks arising from financial instruments. This disclosure shall be based on the information provided internally to key management personnel of the entity, for example, the entity&#8217;s board of directors or chief executive officer. [Refer: Classes of financial instruments [domain]; Key management personnel of entity or parent [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 34<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_34_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SummaryQuantitativeDataAboutEntitysExposureToRisk</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfCreditQualityTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The tabular disclosure of credit quality.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfCreditQualityTableTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfHighQualityLiquidAssetsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of High Quality Liquid Assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfHighQualityLiquidAssetsTableTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The tabular disclosure of macroeconomic scenarios.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The tabular disclosure of weight associated with macroeconomic scenarios.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure for leverage capital and ratios.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Additional disclosures (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ScheduleOfCondensedBalanceSheetTableTextBlock', window );">Condensed balance sheets</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following are the summarized balance sheets of Banco Santander, S.A. as of 31 December 2025, 2024 and 2023.  In the financial information of the Parent company, investments in subsidiaries, jointly controlled entities and associates are recorded at cost. As of 31 December 2025 we have reclassified 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 </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_883" style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline">note 3</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> above.</span></div><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:506.25pt"><tr><td style="width:1.0pt"></td><td style="width:322.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 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:105%">EUR million </span></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:21pt"><td colspan="3" style="padding:2px 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:105%">CONDENSED&#160;BALANCE&#160;SHEETS (Parent&#160;company&#160;only)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">31 December 2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">31 December 2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 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:105%">31 December 2023</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 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:105%">Cash and due from banks</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">144,292&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">157,665&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">172,524&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">11,517&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">5,952&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">6,834&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 7pt 2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Trading account assets</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">154,939&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">135,758&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">102,296&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Investment securities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">91,217&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">77,230&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">63,325&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">13,607&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">16,191&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">16,137&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,697&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">1,005&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">1,229&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Net loans and leases</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">323,253&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">301,937&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">298,068&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">23,340&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">21,127&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">22,435&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Investment in affiliated companies</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">98,317&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100,045&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">99,326&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">71,796&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">74,624&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">74,016&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">26,521&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">25,421&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">25,310&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Premises and equipment, net</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,825&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,219&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,368&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other assets</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">18,941&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,986&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">15,435&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total assets</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">836,784</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">794,840</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">757,342</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Deposits</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">415,898&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">393,787&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">398,374&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">8,773&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">6,645&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">7,832&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">26,412&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">19,176&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">14,610&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Short-term debt</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">129,462&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">88,263&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">70,771&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Long-term debt</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">114,756&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">137,549&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">129,258&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Total debt</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">244,218&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">225,812&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">200,029&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">Of which:</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">3,994&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">100&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 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:105%">To non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,363&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">2,428&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">1,816&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">94,325&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">96,909&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">84,065&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">754,441</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">716,508</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">682,468</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 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:105%">Stockholders' equity</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Capital stock</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">7,345</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">7,576</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">8,092</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Retained earnings and other reserves</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">74,998</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">70,756</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">66,782</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total stockholders' equity</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">82,343</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">78,332</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">74,874</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total liabilities and Stockholders&#8217; Equity</span></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">836,784</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">794,840</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">757,342</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ScheduleOfCondensedIncomeStatementTableTextBlock', window );">Condensed statements of income</a></td>
<td class="text"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following are the condensed statements of income of Banco Santander, S.A. for the years ended 31 December 2025, 2024 and 2023. Results associated with the businesses held for sale in Poland have been reclassified to 'Income/(charges) after tax from discontinued operations' for all periods presented. See </span><span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"><a href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_883" style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline">note 3</a></span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"> above.</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:488.25pt"><tr><td style="width:1.0pt"></td><td style="width:304.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 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:105%">EUR million</span></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="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year ended</span></td></tr><tr style="height:21pt"><td colspan="3" style="padding:2px 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:105%">CONDENSED&#160;STATEMENTS&#160;OF&#160;INCOME (Parent&#160;company&#160;only)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">31 December 2025</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest income</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,363&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">34,752&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31,854&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 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:105%">Interest from earning assets</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">25,293&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,639&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">23,049&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 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:105%">Dividends from affiliated companies</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,070&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">7,113&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">8,805&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;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:105%">Of which:</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;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:105%">From bank subsidiaries</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">5,029&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">6,248&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">7,790&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;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:105%">From non-bank subsidiaries</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%">1,041&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">865&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,015&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Interest expense</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(18,170)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20,112)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16,204)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest income / (charges)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,193</span><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">14,640</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">15,650</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Provision for credit losses</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,162)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,334)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,372)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest income / (charges) after provision for credit losses</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">12,031</span><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">13,306</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">14,278</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Non-interest income</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">6,981&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,502&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">4,777&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Non-interest expense</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(7,848)</span></td><td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8,552)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(9,662)</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Income before income taxes</span></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,164&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,256&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,393&#160;</span></td><td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Tax expense or income from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,073)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,091)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(533)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Income/ (charges) for the period from continuing operations</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">10,092</span><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9,167</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">8,860</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Income/ (charges) after tax from discontinued operations</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,021&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">935&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">378&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Net income</span></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,113</span><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">10,101</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9,239</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CondensedStatementOfComprehensiveIncomeTableTextBlock', window );">Condensed statements of comprehensive income</a></td>
<td class="text"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following are the condensed statements of comprehensive income of Banco Santander, S.A. for the years ended 31 December 2025, 2024 and 2023:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:488.25pt"><tr><td style="width:1.0pt"></td><td style="width:304.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">EUR million</span></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="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year ended </span></td></tr><tr style="height:21pt"><td colspan="3" style="padding:2px 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:105%">CONDENSED&#160;STATEMENTS&#160;OF COMPREHENSIVE&#160;INCOME&#160;(Parent&#160;company&#160;only)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">31 December 2025</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">NET INCOME</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">11,113</span><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">10,101</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">9,239</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">OTHER COMPREHENSIVE INCOME </span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(79)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">730</span><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%">(57)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Items that may be reclassified subsequently to profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(101)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">305</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">276</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Hedges of net investments in foreign operations (effective portion)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">283&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Revaluation gains (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">283&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Debt instruments at fair value with changes in other comprehensive income</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(27)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">28&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">104&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Revaluation gains (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">36&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(55)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">65&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(63)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">84&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">39&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cash flow hedges:</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(100)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">409&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">284&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Revaluation gains/(losses)</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(79)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">140&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(70)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(21)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">269&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">354&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Amounts transferred to initial carrying amount of hedged items</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 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:400;line-height:105%">Hedges of net investments in foreign operations</span></div></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Exchange differences</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(299)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Revaluation gains (losses)</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(299)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Amounts transferred to income statement</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 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:105%">Other reclassifications</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Non-current assets held for sale</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Income tax</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">42&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(132)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(112)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Items that will not be reclassified to profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">21</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">425</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(333)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Actuarial gains/(losses) on pension plans</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">30&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(16)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(14)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:21pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other recognised income and expense of investments in subsidiaries, joint ventures and associates</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:21pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">100&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">262&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(250)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:21pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">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="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:21pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedged item)</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(76)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">20&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(31)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:21pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedging instrument)</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">76&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(20)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">31&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:21pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">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="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(136)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">247&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(107)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Income tax relating to items that will not be reclassified</span></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(68)</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">38&#160;</span></td><td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 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:105%">TOTAL COMPREHENSIVE INCOME</span></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">11,034</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">10,831</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">9,182</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock', window );">Condensed cash flow statements</a></td>
<td class="text"><div style="margin-bottom:9pt;padding-right:263.62pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">Following are the condensed cash flow statements of Banco Santander, S.A. for the years ended 31 December 2025, 2024 and 2023.</span></div><div style="margin-bottom:15pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:506.25pt"><tr><td style="width:1.0pt"></td><td style="width:322.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">EUR million</span></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="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Year ended </span></td></tr><tr style="height:21pt"><td colspan="3" style="padding:2px 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:105%">CONDENSED CASH FLOW STATEMENTS (Parent company only)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">31 December 2025</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2024</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">31 December 2023</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">1. Cash flows from operating activities</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Consolidated profit</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">11,113&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,101&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,239&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Adjustments to profit</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,119)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,439)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,746)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Net increase/decrease in operating assets</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(60,570)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(63,686)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6,765)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Net increase/decrease in operating liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">41,113&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">27,480&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(6,880)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Reimbursements/payments of income tax</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(862)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(591)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(360)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total net cash flows from operating activities (1)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(10,325)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(31,135)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(8,512)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 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:105%">2. Cash flows from investing activities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Investments (-)</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(4,231)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,915)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(5,458)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Divestments (+)</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,210&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">9,544&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">10,880&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total net cash flows from investment activities (2)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">4,979</span><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">6,629</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">5,422</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 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:105%">3. Cash flows from financing activities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Issuance of own equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Disposal of own equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">578&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">485&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">649&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Acquisition of own equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,865)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,740)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,974)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Issuance of debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,852&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,625&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">5,636&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Redemption of debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(8,310)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,615)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(1,813)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Dividends paid</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,341)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(3,017)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(2,261)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Issuance/Redemption of equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(751)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8212;&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Other collections/payments related to financing activities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(141)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(300)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">(166)</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total net cash flows from financing activities (3)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(13,227)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(5,313)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(929)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">4. Effect of exchange rate changes on cash and cash equivalents (4)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(4,099)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">2,256</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(1,044)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">5. Net increase/decrease in cash and cash equivalents (1+2+3+4)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(22,671)</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(27,563)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">(5,063)</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cash and cash equivalents at beginning of period</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">97,457&#160;</span></td><td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">125,020&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">130,083&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Cash and cash equivalents at end of period</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">74,786&#160;</span></td><td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">97,457&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">125,020&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfBalanceOfPreferenceSharesAndPreferredSecuritiesTableTextBlock', window );">Schedule of preferred shares and securities</a></td>
<td class="text"><div style="margin-bottom:9pt"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%">The following table shows the balance of the preference shares and preferred securities as of 31 December 2025, 2024 and 2023:</span></div><div style="margin-bottom:9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:234.75pt"><tr><td style="width:1.0pt"></td><td style="width:86.50pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:43.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:43.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:43.00pt"></td><td style="width:1.0pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 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:105%">EUR million</span></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:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2025</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2024</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">2023</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Preference shares</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">201</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">211</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">202</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 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:105%">Preferred securities</span></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">10,103</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">9,821</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 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:105%">9,081</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 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:105%">Total</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">10,304</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">10,032</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 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:105%">9,283</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfPreferenceSharesAndPreferredSecuritiesByIssuerTableTextBlock', window );">Schedule of preferred shares and securities by issuer</a></td>
<td class="text"><div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:506.25pt"><tr><td style="width:1.0pt"></td><td style="width:235.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:69.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:13.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Outstanding at 31 December 2025</span></td></tr><tr style="height:29pt"><td colspan="3" style="padding:2px 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:105%">Preference Shares Issuer/Date of issue</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Currency</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Amount in currency (million)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 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:105%">Redemption <br/>Option (A)</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Santander UK plc, October 1995</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pounds Sterling</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80.3&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">10.375%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">No option</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Santander UK plc, February 1996</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Pounds Sterling</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">80.3&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">10.375%</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">No option</span></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:506.25pt"><tr><td style="width:1.0pt"></td><td style="width:238.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:13.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:42.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:55.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:57.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:16.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:61.00pt"></td><td style="width:1.0pt"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Outstanding at 31 December 2025</span></td></tr><tr style="height:29pt"><td colspan="3" style="padding:2px 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:105%">Preferred Securities Issuer/Date of issue</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Currency</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Amount in <br/>currency<br/>(million)</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Interest&#160;rate</span></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%">Maturity&#160;date</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., January 2020</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Euro</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">1,032.4&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">4.375%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(B)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., May 2021</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US Dollar</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">999.9&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">4.750%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(C)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., May 2021</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Euro</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">749.2&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">4.125%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(D)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., September 2021</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Euro</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">994.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">3.625%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(E)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., November 2023</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US Dollar</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,149.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">9.625%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(F)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., November 2023</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US Dollar</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,349.7&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">9.625%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(G)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., May 2024</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Euro</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,500.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">7.00%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(H)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., August 2024</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">US Dollar</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,494.5&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">8.00%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(I)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Banco Santander, S.A., July 2025</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Euro</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">1,500.0&#160;</span></td><td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">6.00%</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">(J)</span></td><td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr><tr style="height:45pt"><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">Santander Finance Preferred, S.A. (Unipersonal), September 2004</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Euro</span></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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:105%">143.8&#160;</span></td><td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%">&#8364;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 #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 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:105%">Perpetuity</span></td></tr></table></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:46.360%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:107.25pt"><tr><td style="width:1.0pt"></td><td style="width:105.25pt"></td><td style="width:1.0pt"></td></tr><tr style="height:3pt"><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"></td></tr></table></div><div style="padding-left:7.09pt"><span><br/></span></div></div><div style="display:inline-block;max-width:7.277%;min-width:6.277%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:46.363%"></div></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">A.From these dates the issuer can redeem the shares, subject to prior authorization by the national supervisor.</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">B. Payment is subject to certain conditions and to the discretion of Banco Santander. The 4.375% interest rate is set for the first six years. After that, it will be reviewed every 5 years by applying a margin of 453.4 basis point on the 5-year mid-swap rate.</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">C.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="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">D.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.</span></div><div style="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">E. 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="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">F. Payment is subject to certain conditions and to the 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="padding-left:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">G. 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:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">H. 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:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">I. 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:3.97pt;text-indent:-3.97pt"><span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%">J. 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><span></span>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdditionalInformationAbstract</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of balance of preference shares and preferred securities at the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of preference shares and preferred securities by issuer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfPreferenceSharesAndPreferredSecuritiesByIssuerTableTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of condensed statement of comprehensive income (loss) including, but not limited to, statements of comprehensive income (loss) of consolidated entities and consolidation eliminations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 12<br> -Subsection 04<br> -Paragraph a<br> -Publisher SEC<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CondensedStatementOfComprehensiveIncomeTableTextBlock</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of condensed balance sheet, including, but not limited to, balance sheets of consolidated entities and consolidation eliminations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 12<br> -Subsection 04<br> -Paragraph a<br> -Publisher SEC<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ScheduleOfCondensedBalanceSheetTableTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of condensed cash flow statement, including, but not limited to, cash flow statements of consolidated entities and consolidation eliminations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 12<br> -Subsection 04<br> -Paragraph a<br> -Publisher SEC<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ScheduleOfCondensedCashFlowStatementTableTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of condensed income statement, including, but not limited to, income statements of consolidated entities and consolidation eliminations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 12<br> -Subsection 04<br> -Paragraph a<br> -Publisher SEC<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ScheduleOfCondensedIncomeStatementTableTextBlock</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Introduction, basis of presentation of the consolidated financial statements (consolidated annual accounts) and other information - Introduction (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2025 </div>
<div>companies </div>
<div>subsidiary</div>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReclassificationsOrChangesInPresentationAbstract', window );"><strong>Disclosure of reclassifications or changes in presentation [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSubsidiaries', window );">Number of subsidiaries | subsidiary</a></td>
<td class="nump">755<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RateForWhichGroupHoldingInACompanyIsConsideredSignificantPercent', window );">Rate for which company is considered significant (in percentage)</a></td>
<td class="nump">5.00%<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReclassificationsOrChangesInPresentationAbstract</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of associates, joint ventures or list companies of which the entity owns more than 5% interest.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfAssociatesJointVenturesOrListedCompaniesOfWhichEntityHoldsMoreThanFivePercentInterest</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of subsidiaries.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfSubsidiaries</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Rate For Which Group Holding In A Company Is Considered Significant, Percent</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Introduction, basis of presentation of the consolidated financial statements (consolidated annual accounts) and other information - Basis of presentation of the consolidated financial statements (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems', window );"><strong>Disclosure of initial application of standards or interpretations [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">CONSOLIDATED PROFIT/(LOSS) FOR THE YEAR</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Introduction, basis of presentation of the consolidated financial statements (consolidated annual accounts) and other information - Information relating to 2024 and 2023 (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
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<th class="th" colspan="3">12 Months Ended</th>
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<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis=san_IncreaseDecreaseDueToChangesInPresentationMember', window );">Increase (decrease) due to changes in presentation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems', window );"><strong>Disclosure of initial application of standards or interpretations [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">CONSOLIDATED PROFIT/(LOSS) FOR THE YEAR</a></td>
<td class="nump">&#8364; 427<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 403<span></span>
</td>
<td class="nump">&#8364; 352<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_MXN', window );">Mexican peso</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems', window );"><strong>Disclosure of initial application of standards or interpretations [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyExchangeRateChangePercentage', window );">Change in foreign currency exchange rate (as a percent)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.05%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyExchangeRateChangeInAverageRateAsPercent', window );">Change in average foreign currency exchange rate (as a percent)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(8.95%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_USD', window );">US dollar</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems', window );"><strong>Disclosure of initial application of standards or interpretations [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyExchangeRateChangePercentage', window );">Change in foreign currency exchange rate (as a percent)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(11.62%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyExchangeRateChangeInAverageRateAsPercent', window );">Change in average foreign currency exchange rate (as a percent)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(4.15%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_BRL', window );">Brazilian real</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems', window );"><strong>Disclosure of initial application of standards or interpretations [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyExchangeRateChangePercentage', window );">Change in foreign currency exchange rate (as a percent)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(0.47%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyExchangeRateChangeInAverageRateAsPercent', window );">Change in average foreign currency exchange rate (as a percent)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(7.86%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_ARS', window );">Argentine peso</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems', window );"><strong>Disclosure of initial application of standards or interpretations [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyExchangeRateChangePercentage', window );">Change in foreign currency exchange rate (as a percent)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(37.23%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_GBP', window );">Pound sterling</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems', window );"><strong>Disclosure of initial application of standards or interpretations [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyExchangeRateChangePercentage', window );">Change in foreign currency exchange rate (as a percent)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(4.99%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyExchangeRateChangeInAverageRateAsPercent', window );">Change in average foreign currency exchange rate (as a percent)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1.20%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_CLP', window );">Chilean peso</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems', window );"><strong>Disclosure of initial application of standards or interpretations [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyExchangeRateChangePercentage', window );">Change in foreign currency exchange rate (as a percent)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2.57%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyExchangeRateChangeInAverageRateAsPercent', window );">Change in average foreign currency exchange rate (as a percent)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(4.90%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_PLN', window );">Polish zloty</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems', window );"><strong>Disclosure of initial application of standards or interpretations [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyExchangeRateChangePercentage', window );">Change in foreign currency exchange rate (as a percent)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.30%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyExchangeRateChangeInAverageRateAsPercent', window );">Change in average foreign currency exchange rate (as a percent)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.56%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfInitialApplicationOfStandardsOrInterpretationsLineItems</td>
</tr>
<tr>
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<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLoss">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses from continuing and discontinued operations, excluding the components of other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 113<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLoss</td>
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<td>credit</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ForeignCurrencyExchangeRateChangeInAverageRateAsPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage change in the average foreign currency exchange rate.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ForeignCurrencyExchangeRateChangeInAverageRateAsPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ForeignCurrencyExchangeRateChangePercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage change in the foreign currency exchange rate.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ForeignCurrencyExchangeRateChangePercentage</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RetrospectiveApplicationAndRetrospectiveRestatementAxis=san_IncreaseDecreaseDueToChangesInPresentationMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_MXN</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_USD</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_BRL">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_BRL</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_ARS">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_ARS</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_GBP</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_CLP">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_CLP</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_PLN</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Introduction, basis of presentation of the consolidated financial statements (consolidated annual accounts) and other information - Capital management (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReclassificationsOrChangesInPresentationAbstract', window );"><strong>Disclosure of reclassifications or changes in presentation [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PositiveImpactOnCommonEquityTierOneCapitalRadio', window );">Positive impact on CET1</a></td>
<td class="nump">0.0020<span></span>
</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfReclassificationsOrChangesInPresentationAbstract">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReclassificationsOrChangesInPresentationAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:stringItemType</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Positive Impact On Common Equity Tier One Capital Radio</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PositiveImpactOnCommonEquityTierOneCapitalRadio</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<TYPE>XML
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<FILENAME>R118.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
<title></title>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Introduction, basis of presentation of the consolidated financial statements (consolidated annual accounts) and other information - Events after the reporting period (Details)<br> $ / shares in Units, &#8364; in Millions, $ in Millions</strong></div></th>
<th class="th">
<div>Feb. 03, 2026 </div>
<div>EUR (&#8364;) </div>
<div>shares</div>
</th>
<th class="th">
<div>Feb. 03, 2026 </div>
<div>USD ($) </div>
<div>$ / shares </div>
<div>shares</div>
</th>
<th class="th">
<div>Jan. 09, 2026 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th">
<div>Dec. 02, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>May 05, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th"><div>Sep. 13, 2024</div></th>
<th class="th"><div>Sep. 09, 2024</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis=ifrs-full_MajorBusinessCombinationMember', window );">Major business combination [member] | Webster Financial Corporation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Subsidiaries and joint ventures</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ConsiderationPaidReceived', window );">Consideration paid (received)</a></td>
<td class="nump">&#8364; 10,300<span></span>
</td>
<td class="nump">$ 12,200<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PortionOfConsiderationPaidReceivedInCashPerShare', window );">Portion of consideration paid (received) in cash per share | $ / shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 48.75<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ConsiderationPaidReceivedInSharesPerShare', window );">Portion of consideration paid (received) in shares per share | shares</a></td>
<td class="nump">2.0548<span></span>
</td>
<td class="nump">2.0548<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ConsiderationPaidReceivedInCashPerShare', window );">Consideration (in USD per share) | $ / shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 75<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember', window );">Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Subsidiaries and joint ventures</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ConsiderationPaidReceived', window );">Consideration paid (received)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">&#8364; (407)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProportionOfOwnershipInterestInSubsidiary', window );">Ownership interest in subsidiary</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">58.70%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">62.20%<span></span>
</td>
<td class="nump">67.40%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember', window );">Santander Bank Polska S.A. | Disposal of major subsidiary</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Subsidiaries and joint ventures</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProportionOfOwnershipInterestInSubsidiary', window );">Ownership interest in subsidiary</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9.70%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TypeOfAgreementAxis=san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member', window );">Agreement For The Sale Of Santander Bank Polska S.A. | Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Subsidiaries and joint ventures</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SaleOfProportionOfOwnershipInterestInSubsidiary', window );">Sale of proportion of ownership interest in subsidiary</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">49.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TypeOfAgreementAxis=san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member', window );">Agreement For The Sale Of Santander Bank Polska S.A. | Santander Bank Polska S.A. | Disposal of major subsidiary</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Subsidiaries and joint ventures</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SaleOfProportionOfOwnershipInterestInSubsidiary', window );">Sale of proportion of ownership interest in subsidiary</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">49.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TypeOfAgreementAxis=san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member', window );">Agreement For The Sale Of Santander Bank Polska S.A. | Santander Towarzystwo Funduszy Inwestycyjnych S.A. | Disposal of major subsidiary</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Subsidiaries and joint ventures</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SaleOfProportionOfOwnershipInterestInSubsidiary', window );">Sale of proportion of ownership interest in subsidiary</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">50.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TypeOfAgreementAxis=san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member', window );">Agreement For The Sale Of Santander Bank Polska S.A. | Santander Towarzystwo Funduszy Inwestycyjnych S.A. And Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Subsidiaries and joint ventures</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ConsiderationPaidReceived', window );">Consideration paid (received)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">&#8364; (7,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TypeOfAgreementAxis=san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member', window );">Agreement For The Sale Of Santander Bank Polska S.A. | Santander Towarzystwo Funduszy Inwestycyjnych S.A. And Santander Bank Polska S.A. | Disposal of major subsidiary</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Subsidiaries and joint ventures</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ConsiderationPaidReceived', window );">Consideration paid (received)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">&#8364; (7,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnDisposalOfSubsidiaries', window );">Gains (losses) on disposal of subsidiaries</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,900<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ConsiderationPaidReceived">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of consideration paid or received in respect of both obtaining and losing control of subsidiaries or other businesses. [Refer: Total for all subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 40<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_40_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ConsiderationPaidReceived</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProportionOfOwnershipInterestInSubsidiary">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The proportion of ownership interest in a subsidiary attributable to the entity. [Refer: Total for all subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2025-01-01<br> -Paragraph 17<br> -Subparagraph b<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_17_b_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2025-01-01<br> -Paragraph 16<br> -Subparagraph b<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_16_b_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 19B<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_19B_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProportionOfOwnershipInterestInSubsidiary</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ConsiderationPaidReceivedInCashPerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Consideration Paid (Received), In Cash Per Share</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ConsiderationPaidReceivedInCashPerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ConsiderationPaidReceivedInSharesPerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Consideration Paid (Received), In Shares Per Share</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ConsiderationPaidReceivedInSharesPerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GainsLossesOnDisposalOfSubsidiaries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains (Losses) On Disposal Of Subsidiaries</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesOnDisposalOfSubsidiaries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PortionOfConsiderationPaidReceivedInCashPerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Portion Of Consideration Paid (Received) In Cash Per Share</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PortionOfConsiderationPaidReceivedInCashPerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SaleOfProportionOfOwnershipInterestInSubsidiary">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sale Of Proportion Of Ownership Interest In Subsidiary</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SaleOfProportionOfOwnershipInterestInSubsidiary</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis=ifrs-full_MajorBusinessCombinationMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NonadjustingEventsAfterReportingPeriodAxis=ifrs-full_MajorBusinessCombinationMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BusinessCombinationsAxis=san_WebsterFinancialCorporationMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BusinessCombinationsAxis=san_WebsterFinancialCorporationMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis=ifrs-full_DisposalOfMajorSubsidiaryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NonadjustingEventsAfterReportingPeriodAxis=ifrs-full_DisposalOfMajorSubsidiaryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TypeOfAgreementAxis=san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TypeOfAgreementAxis=san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.AndSantanderBankPolskaS.A.Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.AndSantanderBankPolskaS.A.Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accounting policies - Foreign currency transactions (Details)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1">36 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>Argentian_peso / &#8364; </div>
<div>stage</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>Argentian_peso / &#8364;</div>
</th>
<th class="th"><div>Dec. 31, 2018</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfGeographicalAreasLineItems', window );"><strong>Disclosure of geographical areas [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyTranslationsNumberOfStages', window );">Number of consecutive stages | stage</a></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InflationRate', window );">Inflation rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">48.00%<span></span>
</td>
<td class="nump">147.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementGeographicalAxis=country_AR', window );">Argentina</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfGeographicalAreasLineItems', window );"><strong>Disclosure of geographical areas [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InflationRate', window );">Inflation rate</a></td>
<td class="nump">31.50%<span></span>
</td>
<td class="nump">117.80%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClosingForeignExchangeRate', window );">Closing foreign exchange rate</a></td>
<td class="nump">1,706.38<span></span>
</td>
<td class="nump">1,071.16<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ClosingForeignExchangeRateAppliedHyperinflationaryEconomy', window );">Closing foreign exchange rate, applied, hyperinflationary economy</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,232.39<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClosingForeignExchangeRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The spot exchange rate at the end of the reporting period. Exchange rate is the ratio of exchange for two currencies. Spot exchange rate is the exchange rate for immediate delivery.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClosingForeignExchangeRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfGeographicalAreasLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfGeographicalAreasLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ClosingForeignExchangeRateAppliedHyperinflationaryEconomy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Closing Foreign Exchange Rate, Applied, Hyperinflationary Economy</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ClosingForeignExchangeRateAppliedHyperinflationaryEconomy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ForeignCurrencyTranslationsNumberOfStages">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents number of consecutive stages in which foreign currency balances are translated to functional currency.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ForeignCurrencyTranslationsNumberOfStages</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InflationRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Inflation Rate</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InflationRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementGeographicalAxis=country_AR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementGeographicalAxis=country_AR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>202
<FILENAME>R120.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accounting policies - Schedule of estimated effect of a 1% change in the euro against the corresponding currency (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyRisksAbstract', window );"><strong>Sensitivity of consolidated profit and consolidated equity</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfReasonablyPossibleAppreciationOfEntitysFunctionalCurrency', window );">Appreciation variation (as a percent)</a></td>
<td class="nump">1.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfReasonablyPossibleDepreciationOfEntitysFunctionalCurrency', window );">Depreciation variation (as a percent)</a></td>
<td class="nump">1.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_USD', window );">US dollar</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyRisksAbstract', window );"><strong>Sensitivity of consolidated profit and consolidated equity</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency', window );">1 % appreciation of euro, effect on consolidated equity</a></td>
<td class="num">&#8364; (135.0)<span></span>
</td>
<td class="num">&#8364; (168.4)<span></span>
</td>
<td class="num">&#8364; (136.9)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency', window );">1 % appreciation of euro, effect on consolidated profit</a></td>
<td class="num">(2.5)<span></span>
</td>
<td class="num">(3.9)<span></span>
</td>
<td class="num">(3.4)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency', window );">1 % depreciation of euro, effect on consolidated equity</a></td>
<td class="nump">137.8<span></span>
</td>
<td class="nump">171.8<span></span>
</td>
<td class="nump">139.7<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency', window );">1 % depreciation of euro, effect on consolidated profit</a></td>
<td class="nump">2.5<span></span>
</td>
<td class="nump">4.0<span></span>
</td>
<td class="nump">3.4<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_CLP', window );">Chilean peso</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyRisksAbstract', window );"><strong>Sensitivity of consolidated profit and consolidated equity</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency', window );">1 % appreciation of euro, effect on consolidated equity</a></td>
<td class="num">(8.8)<span></span>
</td>
<td class="num">(15.3)<span></span>
</td>
<td class="num">(35.3)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency', window );">1 % appreciation of euro, effect on consolidated profit</a></td>
<td class="num">(4.3)<span></span>
</td>
<td class="num">(2.1)<span></span>
</td>
<td class="num">(2.3)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency', window );">1 % depreciation of euro, effect on consolidated equity</a></td>
<td class="nump">9.0<span></span>
</td>
<td class="nump">15.6<span></span>
</td>
<td class="nump">36.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency', window );">1 % depreciation of euro, effect on consolidated profit</a></td>
<td class="nump">4.4<span></span>
</td>
<td class="nump">2.2<span></span>
</td>
<td class="nump">2.3<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_GBP', window );">Pound sterling</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyRisksAbstract', window );"><strong>Sensitivity of consolidated profit and consolidated equity</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency', window );">1 % appreciation of euro, effect on consolidated equity</a></td>
<td class="num">(88.1)<span></span>
</td>
<td class="num">(96.5)<span></span>
</td>
<td class="num">(79.1)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency', window );">1 % appreciation of euro, effect on consolidated profit</a></td>
<td class="num">(7.6)<span></span>
</td>
<td class="num">(4.4)<span></span>
</td>
<td class="num">(3.1)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency', window );">1 % depreciation of euro, effect on consolidated equity</a></td>
<td class="nump">89.9<span></span>
</td>
<td class="nump">98.4<span></span>
</td>
<td class="nump">80.7<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency', window );">1 % depreciation of euro, effect on consolidated profit</a></td>
<td class="nump">7.7<span></span>
</td>
<td class="nump">4.5<span></span>
</td>
<td class="nump">3.1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_MXN', window );">Mexican peso</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyRisksAbstract', window );"><strong>Sensitivity of consolidated profit and consolidated equity</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency', window );">1 % appreciation of euro, effect on consolidated equity</a></td>
<td class="num">(32.5)<span></span>
</td>
<td class="num">(33.9)<span></span>
</td>
<td class="num">(36.4)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency', window );">1 % appreciation of euro, effect on consolidated profit</a></td>
<td class="num">(0.5)<span></span>
</td>
<td class="num">(0.5)<span></span>
</td>
<td class="num">(0.1)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency', window );">1 % depreciation of euro, effect on consolidated equity</a></td>
<td class="nump">33.1<span></span>
</td>
<td class="nump">34.6<span></span>
</td>
<td class="nump">37.1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency', window );">1 % depreciation of euro, effect on consolidated profit</a></td>
<td class="nump">0.5<span></span>
</td>
<td class="nump">0.5<span></span>
</td>
<td class="nump">0.1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_BRL', window );">Brazilian real</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyRisksAbstract', window );"><strong>Sensitivity of consolidated profit and consolidated equity</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency', window );">1 % appreciation of euro, effect on consolidated equity</a></td>
<td class="num">(141.2)<span></span>
</td>
<td class="num">(144.1)<span></span>
</td>
<td class="num">(175.7)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency', window );">1 % appreciation of euro, effect on consolidated profit</a></td>
<td class="num">(0.8)<span></span>
</td>
<td class="num">(4.3)<span></span>
</td>
<td class="num">(6.5)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency', window );">1 % depreciation of euro, effect on consolidated equity</a></td>
<td class="nump">144.0<span></span>
</td>
<td class="nump">147.0<span></span>
</td>
<td class="nump">179.3<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency', window );">1 % depreciation of euro, effect on consolidated profit</a></td>
<td class="nump">0.9<span></span>
</td>
<td class="nump">4.3<span></span>
</td>
<td class="nump">6.6<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_PLN', window );">Polish zloty</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyRisksAbstract', window );"><strong>Sensitivity of consolidated profit and consolidated equity</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency', window );">1 % appreciation of euro, effect on consolidated equity</a></td>
<td class="num">(12.8)<span></span>
</td>
<td class="num">(25.1)<span></span>
</td>
<td class="num">(48.8)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency', window );">1 % appreciation of euro, effect on consolidated profit</a></td>
<td class="nump">0.0<span></span>
</td>
<td class="num">(0.4)<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency', window );">1 % depreciation of euro, effect on consolidated equity</a></td>
<td class="nump">13.0<span></span>
</td>
<td class="nump">25.6<span></span>
</td>
<td class="nump">49.8<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency', window );">1 % depreciation of euro, effect on consolidated profit</a></td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.4<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_ARS', window );">Argentine peso</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignCurrencyRisksAbstract', window );"><strong>Sensitivity of consolidated profit and consolidated equity</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency', window );">1 % appreciation of euro, effect on consolidated equity</a></td>
<td class="num">(21.3)<span></span>
</td>
<td class="num">(18.3)<span></span>
</td>
<td class="num">(7.5)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency', window );">1 % appreciation of euro, effect on consolidated profit</a></td>
<td class="num">(3.7)<span></span>
</td>
<td class="num">(6.6)<span></span>
</td>
<td class="num">(4.2)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency', window );">1 % depreciation of euro, effect on consolidated equity</a></td>
<td class="nump">21.7<span></span>
</td>
<td class="nump">18.7<span></span>
</td>
<td class="nump">7.7<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency', window );">1 % depreciation of euro, effect on consolidated profit</a></td>
<td class="nump">&#8364; 3.8<span></span>
</td>
<td class="nump">&#8364; 6.7<span></span>
</td>
<td class="nump">&#8364; 4.2<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The estimated decrease in consolidated equity that would have been caused by an appreciation of entity's functional currency that was reasonably possible at the end of the reporting period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The estimated decrease in consolidated profit that would have been caused by an appreciation of entity's functional currency that was reasonably possible at the end of the reporting period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ForeignCurrencyRisksAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ForeignCurrencyRisksAbstract</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The estimated increase in consolidated equity that would have been caused by a depreciation of entity's functional currency that was reasonably possible at the end of the reporting period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseInConsolidatedEquityDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The estimated increase in consolidated profit that would have been caused by a depreciation of entity's functional currency that was reasonably possible at the end of the reporting period</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseInConsolidatedProfitDueToReasonablyPossibleDepreciationOfEntitysFunctionalCurrency</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageOfReasonablyPossibleAppreciationOfEntitysFunctionalCurrency">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The reasonably possible percentage of the appreciation of entity's functional currency used to determine effect on the consolidated equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfReasonablyPossibleAppreciationOfEntitysFunctionalCurrency</td>
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<td><strong> Data Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The reasonably possible percentage of the depreciation of entity's functional currency used to determine effect on the consolidated equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfReasonablyPossibleDepreciationOfEntitysFunctionalCurrency</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_USD</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_CLP</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_GBP</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_MXN</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_BRL</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_PLN</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_ARS</td>
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<td><strong> Data Type:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accounting policies - Basis of consolidation (Details)<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis=san_ProjectQuasarInvestments2017SlMember', window );">Project Quasar Investments 2017 S.L.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProportionOfOwnershipInterestInAssociate', window );">Ownership interest in associate</a></td>
<td class="nump">49.00%<span></span>
</td>
<td class="nump">49.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProportionOfOwnershipInterestInAssociate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The proportion of ownership interest in an associate attributable to the entity. [Refer: Total for all associates [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2025-01-01<br> -Paragraph 17<br> -Subparagraph b<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_17_b_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2025-01-01<br> -Paragraph 16<br> -Subparagraph b<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_16_b_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 21<br> -Subparagraph a<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_21_a_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProportionOfOwnershipInterestInAssociate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis=san_ProjectQuasarInvestments2017SlMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis=san_ProjectQuasarInvestments2017SlMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accounting policies - Impairment of financial assets (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfAccountingPoliciesAbstract', window );"><strong>Disclosure Of Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefaultRateExpectedIncreasePercentage', window );">Default rate expected increase (in percentage)</a></td>
<td class="nump">0.19%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpactOnCreditRiskProvision', window );">Expected impact on credit risk provision</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DefaultRateExpectedIncreasePercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Default Rate, Expected Increase, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DefaultRateExpectedIncreasePercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfAccountingPoliciesAbstract">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of Accounting Policies Abstract [Abstract]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfAccountingPoliciesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ImpactOnCreditRiskProvision">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impact On Credit Risk Provision</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ImpactOnCreditRiskProvision</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</body>
</html>
</TEXT>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>205
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accounting policies - Non-current assets and liabilities associated with non-current assets held for sale (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MaximumBillingsPercentage', window );">Maximum percentage of appraisal company's total billings to Group</a></td>
<td class="nump">15.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale', window );">Fair value less costs to sell of non-current assets held for sale exceeding carrying amount</a></td>
<td class="nump">&#8364; 551<span></span>
</td>
<td class="nump">&#8364; 553<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonCurrentAssetsClassifiedAsHeldForSalePercentage', window );">Percentage of entity's total non-current assets held for sale</a></td>
<td class="nump">76.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MaximumBillingsPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Maximum percentage of appraisal company's total billings that may be attributable to entity under entity's corporate policy related to independence in twelve month period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MaximumBillingsPercentage</td>
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<td>san_</td>
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<td>dtr-types1:percentItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NonCurrentAssetsClassifiedAsHeldForSalePercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of entity's total non-current assets classified as held for sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NonCurrentAssetsClassifiedAsHeldForSalePercentage</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td>dtr-types1:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net excess or deficiency of the fair value less costs to sell of non-current assets held for sale over or under carrying amount, which excess value or deficiency has not been recognized in earnings of the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accounting policies - Schedule of depreciation rates of tangible assets (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_BuildingsMember', window );">Buildings for own use</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems', window );"><strong>Disclosure of detailed information about property, plant and equipment [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DepreciationRatePropertyPlantAndEquipment', window );">Depreciation rate, property, plant and equipment</a></td>
<td class="nump">2.40%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_FurnitureMember', window );">Furniture</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems', window );"><strong>Disclosure of detailed information about property, plant and equipment [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DepreciationRatePropertyPlantAndEquipment', window );">Depreciation rate, property, plant and equipment</a></td>
<td class="nump">9.50%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_FixturesAndFittingsMember', window );">Fixtures</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems', window );"><strong>Disclosure of detailed information about property, plant and equipment [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DepreciationRatePropertyPlantAndEquipment', window );">Depreciation rate, property, plant and equipment</a></td>
<td class="nump">9.50%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_OfficeAndComputerEquipmentMember', window );">Office and IT equipment</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems', window );"><strong>Disclosure of detailed information about property, plant and equipment [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DepreciationRatePropertyPlantAndEquipment', window );">Depreciation rate, property, plant and equipment</a></td>
<td class="nump">23.60%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DepreciationRatePropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The depreciation rate used for property, plant and equipment. [Refer: Property, plant and equipment]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 200<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_200_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 73<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_73_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 200<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_200_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DepreciationRatePropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_BuildingsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_BuildingsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_FurnitureMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_FurnitureMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_FixturesAndFittingsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_OfficeAndComputerEquipmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_OfficeAndComputerEquipmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Accounting policies - Income tax (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfAccountingPoliciesAbstract', window );"><strong>Disclosure Of Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UnrecognisedDeferredTaxLiabilitiesTaxationThatWouldAriseFromUndistributedEarnings', window );">Unrecognised, deferred tax liabilities</a></td>
<td class="nump">&#8364; 321.9<span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfAccountingPoliciesAbstract">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of Accounting Policies Abstract [Abstract]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfAccountingPoliciesAbstract</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Unrecognised, Deferred Tax Liabilities, Taxation That Would Arise From Undistributed Earnings</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_UnrecognisedDeferredTaxLiabilitiesTaxationThatWouldAriseFromUndistributedEarnings</td>
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<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accounting policies - Consolidated statement of cash flows (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestReceivedClassifiedAsOperatingActivities', window );">Interest received</a></td>
<td class="nump">&#8364; 109,840<span></span>
</td>
<td class="nump">&#8364; 117,046<span></span>
</td>
<td class="nump">&#8364; 101,029<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestPaidClassifiedAsOperatingActivities', window );">Interest paid</a></td>
<td class="nump">&#8364; 57,737<span></span>
</td>
<td class="nump">&#8364; 61,091<span></span>
</td>
<td class="nump">&#8364; 50,954<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestPaidClassifiedAsOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for interest paid, classified as operating activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestPaidClassifiedAsOperatingActivities</td>
</tr>
<tr>
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<tr>
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<tr>
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</tr>
</table></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from interest received, classified as operating activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestReceivedClassifiedAsOperatingActivities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfAccountingPoliciesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of Accounting Policies Abstract [Abstract]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfAccountingPoliciesAbstract</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Grupo Santander - Agreement for the sale of Santander Bank Polska S.A. and accelerated placement of ordinary shares of Santander Bank Polska (Details)<br> z&#322; / shares in Units, &#8364; in Millions, z&#322; in Millions</strong></div></th>
<th class="th">
<div>Jan. 09, 2026 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th">
<div>Dec. 23, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 23, 2025 </div>
<div>PLN (z&#322;)</div>
</th>
<th class="th">
<div>Dec. 02, 2025 </div>
<div>EUR (&#8364;) </div>
<div>shares</div>
</th>
<th class="th">
<div>May 05, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th"><div>Sep. 13, 2024</div></th>
<th class="th">
<div>Sep. 10, 2024 </div>
<div>shares</div>
</th>
<th class="th"><div>Sep. 09, 2024</div></th>
<th class="th">
<div>May 05, 2025 </div>
<div>z&#322; / shares</div>
</th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TypeOfAgreementAxis=san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member', window );">Agreement For The Sale Of Santander Bank Polska S.A. | Santander Consumer S.A. | Santander Consumer Bank Polska</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ConsiderationPaidReceived', window );">Consideration paid (received)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 726<span></span>
</td>
<td class="nump">z&#322; 3,105<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PercentageOfVotingEquityInterestsAcquired', window );">Percentage of voting equity interests acquired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">60.00%<span></span>
</td>
<td class="nump">60.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember', window );">Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale', window );">Proportion of ownership interest in subsidiary, announced for sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">49.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ConsiderationPaidReceived', window );">Consideration paid (received)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">&#8364; (407)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SaleOfOrdinarySharesInSubsidiaryShares', window );">Sale of ordinary shares in subsidiary (in shares) | shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,576,626<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,320,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SharesSoldPercentageOfShareCapital', window );">Percentage of share capital</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProportionOfOwnershipInterestInSubsidiary', window );">Ownership interest in subsidiary</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">58.70%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">62.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">67.40%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember', window );">Santander Bank Polska S.A. | Agreement For The Sale Of Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale', window );">Proportion of ownership interest in subsidiary, announced for sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">49.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SaleOfInterestHeldPricePerShare', window );">Sale of interest held, price per share | z&#322; / shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">z&#322; 584<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.Member', window );">Santander Towarzystwo Funduszy Inwestycyjnych S.A. | Agreement For The Sale Of Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale', window );">Proportion of ownership interest in subsidiary, announced for sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">50.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderTowarzystwoFunduszyInwestycyjnychS.A.AndSantanderBankPolskaS.A.Member', window );">Santander Towarzystwo Funduszy Inwestycyjnych S.A. And Santander Bank Polska S.A. | Agreement For The Sale Of Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ConsiderationPaidReceived', window );">Consideration paid (received)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">&#8364; (7,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis=ifrs-full_DisposalOfMajorSubsidiaryMember', window );">Disposal of major subsidiary | Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProportionOfOwnershipInterestInSubsidiary', window );">Ownership interest in subsidiary</a></td>
<td class="nump">9.70%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NonadjustingEventsAfterReportingPeriodAxis=ifrs-full_DisposalOfMajorSubsidiaryMember', window );">Disposal of major subsidiary | Santander Towarzystwo Funduszy Inwestycyjnych S.A. And Santander Bank Polska S.A. | Agreement For The Sale Of Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ConsiderationPaidReceived', window );">Consideration paid (received)</a></td>
<td class="num">&#8364; (7,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ConsiderationPaidReceived">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of consideration paid or received in respect of both obtaining and losing control of subsidiaries or other businesses. [Refer: Total for all subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 40<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_40_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ConsiderationPaidReceived</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfBusinessCombinationsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PercentageOfVotingEquityInterestsAcquired">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of voting equity interests acquired in a business combination. [Refer: Total for all business combinations [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2025-01-01<br> -Paragraph B64<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B64_c&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PercentageOfVotingEquityInterestsAcquired</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProportionOfOwnershipInterestInSubsidiary">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The proportion of ownership interest in a subsidiary attributable to the entity. [Refer: Total for all subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2025-01-01<br> -Paragraph 17<br> -Subparagraph b<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_17_b_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2025-01-01<br> -Paragraph 16<br> -Subparagraph b<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_16_b_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 19B<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_19B_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProportionOfOwnershipInterestInSubsidiary</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Proportion Of Ownership Interest In Subsidiary, Announced For Sale</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SaleOfInterestHeldPricePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sale of Interest Held, Price per Share</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SaleOfInterestHeldPricePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SaleOfOrdinarySharesInSubsidiaryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sale Of Ordinary Shares In Subsidiary, Shares</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SaleOfOrdinarySharesInSubsidiaryShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SharesSoldPercentageOfShareCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Shares Sold, Percentage of Share Capital</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SharesSoldPercentageOfShareCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TypeOfAgreementAxis=san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TypeOfAgreementAxis=san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LegalEntityAxis=san_SantanderConsumerS.A.Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=san_SantanderConsumerS.A.Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BusinessCombinationsAxis=san_SantanderConsumerBankPolskaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BusinessCombinationsAxis=san_SantanderConsumerBankPolskaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Grupo Santander - Agreement for the acquisition of TSB Banking Group plc (Details) - Jul. 01, 2025<br> &#8364; in Millions, &#163; in Millions</strong></div></th>
<th class="th"><div>EUR (&#8364;)</div></th>
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<tr class="rh">
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
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<td class="text">&#160;<span></span>
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<td class="nump">&#8364; 3,100<span></span>
</td>
<td class="nump">&#163; 2,650<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of consideration paid or received in respect of both obtaining and losing control of subsidiaries or other businesses. [Refer: Total for all subsidiaries [member]]</p></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Grupo Santander - Agreement for the sale of the stake in Caceis (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 19, 2024</div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
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<tr class="rh">
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProportionOfOwnershipInterestInSubsidiary', window );">Ownership interest in subsidiary</a></td>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="nump">30.50%<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">&#8364; 231<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The proportion of ownership interest in a subsidiary attributable to the entity. [Refer: Total for all subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2025-01-01<br> -Paragraph 17<br> -Subparagraph b<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_17_b_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2025-01-01<br> -Paragraph 16<br> -Subparagraph b<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_16_b_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 19B<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_19B_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_CaceisMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Grupo Santander - Accelerated placement of ordinary shares of Santander Bank Polska (Details)<br> &#8364; / shares in Units, z&#322; / shares in Units, &#8364; in Millions, z&#322; in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>&#8364; / shares</div>
</th>
<th class="th">
<div>Dec. 02, 2025 </div>
<div>shares</div>
</th>
<th class="th">
<div>Sep. 13, 2024 </div>
<div>PLN (z&#322;)</div>
</th>
<th class="th">
<div>Sep. 13, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Sep. 10, 2024 </div>
<div>z&#322; / shares </div>
<div>shares</div>
</th>
<th class="th"><div>Sep. 09, 2024</div></th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>&#8364; / shares</div>
</th>
<th class="th">
<div>Sep. 10, 2024 </div>
<div>&#8364; / shares</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>&#8364; / shares</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>&#8364; / shares</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ParValuePerShare', window );">Nominal value per share (in euro per share) | &#8364; / shares</a></td>
<td class="nump">&#8364; 0.50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 0.50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 0.50<span></span>
</td>
<td class="nump">&#8364; 0.50<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember', window );">Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SaleOfOrdinarySharesInSubsidiaryShares', window );">Sale of ordinary shares in subsidiary (in shares) | shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,576,626<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,320,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SharesSoldPercentageOfShareCapital', window );">Percentage of share capital</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProceedsFromChangesInOwnershipInterestsInSubsidiaries', window );">Proceeds from changes in ownership interests in subsidiaries that do not result in loss of control</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">z&#322; 2,463<span></span>
</td>
<td class="nump">&#8364; 575<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProportionOfOwnershipInterestInSubsidiary', window );">Ownership interest in subsidiary</a></td>
<td class="nump">58.70%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">62.20%<span></span>
</td>
<td class="nump">62.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">67.40%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember', window );">Santander Bank Polska S.A. | Other reserves</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughChangeInEquityOfSubsidiaries', window );">Increase (decrease) through change in equity of subsidiaries, equity</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 158<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember', window );">Santander Bank Polska S.A. | Other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughChangeInEquityOfSubsidiaries', window );">Increase (decrease) through change in equity of subsidiaries, equity</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">57<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember', window );">Santander Bank Polska S.A. | Non-controlling interest, other elements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughChangeInEquityOfSubsidiaries', window );">Increase (decrease) through change in equity of subsidiaries, equity</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 360<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember', window );">Santander Bank Polska S.A. | Ordinary shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ParValuePerShare', window );">Nominal value per share (in euro per share) | (per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">z&#322; 463<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 108<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfBusinessCombinationsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughChangeInEquityOfSubsidiaries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the entity's equity resulting from the change in the equity of subsidiaries. [Refer: Total for all subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughChangeInEquityOfSubsidiaries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ParValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The nominal value per share.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph a<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_a_iii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 160<br> -Subparagraph a<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_160_a_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 79<br> -Subparagraph a<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_79_a_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ParValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromChangesInOwnershipInterestsInSubsidiaries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from changes in ownership interests in subsidiaries that do not result in a loss of control. [Refer: Total for all subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 42A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_42A&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 42B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_42B&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromChangesInOwnershipInterestsInSubsidiaries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProportionOfOwnershipInterestInSubsidiary">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The proportion of ownership interest in a subsidiary attributable to the entity. [Refer: Total for all subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2025-01-01<br> -Paragraph 17<br> -Subparagraph b<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_17_b_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2025-01-01<br> -Paragraph 16<br> -Subparagraph b<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_16_b_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 19B<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_19B_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProportionOfOwnershipInterestInSubsidiary</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SaleOfOrdinarySharesInSubsidiaryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sale Of Ordinary Shares In Subsidiary, Shares</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SaleOfOrdinarySharesInSubsidiaryShares</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:sharesItemType</td>
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<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SharesSoldPercentageOfShareCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Shares Sold, Percentage of Share Capital</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SharesSoldPercentageOfShareCapital</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComponentsOfEquityAxis=ifrs-full_OtherReservesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComponentsOfEquityAxis=ifrs-full_OtherReservesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComponentsOfEquityAxis=ifrs-full_AccumulatedOtherComprehensiveIncomeMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComponentsOfEquityAxis=san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncomeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComponentsOfEquityAxis=san_NonControllingInterestExcludingAccumulatedOtherComprehensiveIncomeMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfShareCapitalAxis=ifrs-full_OrdinarySharesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Grupo Santander - Tender offer for shares of Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico (Details) - Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico<br> &#8364; / shares in Units, &#8364; in Millions</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1">2 Months Ended</th>
<th class="th" colspan="1">8 Months Ended</th>
<th class="th" colspan="3"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th">
<div>Apr. 10, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th"><div>Apr. 09, 2023</div></th>
<th class="th">
<div>Apr. 10, 2023 </div>
<div>EUR (&#8364;)</div>
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<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th">
<div>Apr. 10, 2023 </div>
<div>$ / shares</div>
</th>
<th class="th">
<div>Apr. 10, 2023 </div>
<div>$ / shares</div>
</th>
<th class="th">
<div>Apr. 10, 2023 </div>
<div>&#8364; / shares</div>
</th>
<th class="th"><div>Nov. 30, 2022</div></th>
<th class="th"><div>Oct. 21, 2022</div></th>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PercentageOfVotingEquityInterestsAcquired', window );">Percentage of voting equity interests acquired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.60%<span></span>
</td>
<td class="nump">3.60%<span></span>
</td>
<td class="nump">3.60%<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="nump">3.76%<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProportionOfOwnershipInterestInSubsidiary', window );">Ownership interest in subsidiary</a></td>
<td class="nump">99.80%<span></span>
</td>
<td class="nump">96.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ConsiderationPaidReceivedInCashPerShare', window );">Consideration (in MXN/EUR per share) | (per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 24.52<span></span>
</td>
<td class="nump">&#8364; 1.20<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ConsiderationInCashPerAmericanDepositaryShare', window );">Consideration, in cash per American Depositary Share | $ / shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 6.6876<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedConsiderationInCashPerAmericanDepositaryShare', window );">Expected consideration per American Depositary Share (in MXN per share) | $ / shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 122.6<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ConsiderationPaidReceived', window );">Consideration paid (received)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 300<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseThroughBusinessCombinationsReserves', window );">Increase through business combinations, reserves</a></td>
<td class="nump">&#8364; 13<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughBusinessCombinationsMinorityInterest', window );">Increase (decrease) through business combinations, minority interest</a></td>
<td class="num">&#8364; (313)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_BusinessCombinationMinimumAcceptancePercentageByShareholdersOfAcquiree', window );">Business combination, minimum acceptance percentage by Shareholders of acquiree</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">95.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RepurchaseTrustGroupEffectiveParticipationPercentage', window );">Repurchase trust, group's effective participation (in percentage)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">99.98%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ConsiderationPaidReceived">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of consideration paid or received in respect of both obtaining and losing control of subsidiaries or other businesses. [Refer: Total for all subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 40<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_40_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ConsiderationPaidReceived</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfBusinessCombinationsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PercentageOfVotingEquityInterestsAcquired">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of voting equity interests acquired in a business combination. [Refer: Total for all business combinations [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2025-01-01<br> -Paragraph B64<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B64_c&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PercentageOfVotingEquityInterestsAcquired</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProportionOfOwnershipInterestInSubsidiary">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The proportion of ownership interest in a subsidiary attributable to the entity. [Refer: Total for all subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2025-01-01<br> -Paragraph 17<br> -Subparagraph b<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_17_b_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2025-01-01<br> -Paragraph 16<br> -Subparagraph b<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_16_b_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 19B<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_19B_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProportionOfOwnershipInterestInSubsidiary</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_BusinessCombinationMinimumAcceptancePercentageByShareholdersOfAcquiree">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination, Minimum Acceptance Percentage By Shareholders Of Acquiree</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_BusinessCombinationMinimumAcceptancePercentageByShareholdersOfAcquiree</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ConsiderationInCashPerAmericanDepositaryShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Consideration, In Cash Per American Depositary Share</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ConsiderationInCashPerAmericanDepositaryShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ConsiderationPaidReceivedInCashPerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Consideration Paid (Received), In Cash Per Share</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ConsiderationPaidReceivedInCashPerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ExpectedConsiderationInCashPerAmericanDepositaryShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Expected Consideration, In Cash Per American Depositary Share</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ExpectedConsiderationInCashPerAmericanDepositaryShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughBusinessCombinationsMinorityInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) Through Business Combinations, Minority Interest</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughBusinessCombinationsMinorityInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseThroughBusinessCombinationsReserves">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase Through Business Combinations, Reserves</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseThroughBusinessCombinationsReserves</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Repurchase Trust, Group Effective Participation, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RepurchaseTrustGroupEffectiveParticipationPercentage</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BusinessCombinationsAxis=san_BancoSantanderMexicoSAInstitucionDeBancaMultipleGrupoFinancieroSantanderMexicoMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Grupo Santander - Offshore entities (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>employee </div>
<div>branch </div>
<div>subsidiary </div>
<div>jurisdiction</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>employee </div>
<div>branch</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>employee</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfEmployees', window );">Number&#160;of persons | employee</a></td>
<td class="nump">198,403<span></span>
</td>
<td class="nump">206,753<span></span>
</td>
<td class="nump">212,764<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfJurisdictionsWithinEUsBlacklist', window );">Number of jurisdictions within EU's blacklist | jurisdiction</a></td>
<td class="nump">11<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfJurisdictionsWithinEUsGreyList', window );">Number of jurisdictions within EU's grey list</a></td>
<td class="nump">11<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BM', window );">Bermuda</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSubsidiariesTaxResidentInTheUKLiquidatedDuringPeriod', window );">Number of subsidiaries tax resident in the UK, liquidated during period | subsidiary</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GG', window );">Guernsey</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSubsidiariesTaxResidentInTheUK', window );">Number of subsidiaries tax resident in the UK | subsidiary</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_OffShoreEntitiesMember', window );">Off-shore entities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfBranchesResidentInOffShoreTerritories', window );">Number of branches resident in off-shore territories</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TerritorialJurisdictionAxis=san_SpanishLegislationMember', window );">Spanish legislation | Off-shore entities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfBranchesResidentInOffShoreTerritories', window );">Number of branches resident in off-shore territories</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TerritorialJurisdictionAxis=san_SpanishLegislationMember', window );">Spanish legislation | Off shore entities, branches</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfBranchesResidentInOffShoreTerritories', window );">Number of branches resident in off-shore territories</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfEmployees', window );">Number&#160;of persons | employee</a></td>
<td class="nump">147<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfBusinessCombinationsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NumberOfEmployees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of personnel employed by the entity at a date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NumberOfEmployees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfBranchesResidentInOffShoreTerritories">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of branches.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfBranchesResidentInOffShoreTerritories</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfJurisdictionsWithinEUsBlacklist">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number Of Jurisdictions Within EU's Blacklist</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfJurisdictionsWithinEUsBlacklist</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfJurisdictionsWithinEUsGreyList">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number Of Jurisdictions Within EU's Grey List</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfJurisdictionsWithinEUsGreyList</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfSubsidiariesTaxResidentInTheUK">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of subsidiaries tax resident in UK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfSubsidiariesTaxResidentInTheUK</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfSubsidiariesTaxResidentInTheUKLiquidatedDuringPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number Of Subsidiaries Tax Resident In The UK, Liquidated During Period</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfSubsidiariesTaxResidentInTheUKLiquidatedDuringPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Grupo Santander - Schedule of list of offshore territories (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<div>Dec. 31, 2025 </div>
<div>branch </div>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSubsidiariesResidentInOffShoreTerritories', window );">Number of subsidiaries resident in off-shore territories | subsidiary</a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSubsidiariesResidentInOffShoreTerritories', window );">Number of subsidiaries resident in off-shore territories | subsidiary</a></td>
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<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSubsidiariesResidentInOffShoreTerritories', window );">Number of subsidiaries resident in off-shore territories | subsidiary</a></td>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfBusinessCombinationsLineItems', window );"><strong>Disclosure of detailed information about business combination [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfBranchesResidentInOffShoreTerritories', window );">Number of branches resident in off-shore territories | branch</a></td>
<td class="nump">3<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TerritorialJurisdictionAxis=san_SpanishLegislationMember</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TerritorialJurisdictionAxis=san_CouncilOfTheEUBlacklistMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TerritorialJurisdictionAxis=san_OECDMember</td>
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<td><strong> Balance Type:</strong></td>
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<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_JerseyTheIsleOfManAndTheCaymanIslandsMember</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Distribution of Banco Santander's profit, shareholder remuneration scheme and earnings per share - Schedule of distribution of the Bank's net profit (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1">1 Months Ended</th>
<th class="th" colspan="1">8 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Feb. 24, 2026</div></th>
<th class="th"><div>May 02, 2025</div></th>
<th class="th"><div>Nov. 30, 2025</div></th>
<th class="th"><div>Aug. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfProfitDistributionLineItems', window );"><strong>Profit Distribution [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsPaid', window );">Dividends paid in cash</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 4,237,000,000<span></span>
</td>
<td class="nump">&#8364; 3,677,000,000<span></span>
</td>
<td class="nump">&#8364; 3,009,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit or loss for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">15,500,000,000<span></span>
</td>
<td class="nump">&#8364; 13,744,000,000<span></span>
</td>
<td class="nump">&#8364; 12,183,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DividendAxis=san_InterimDividendMember', window );">Interim dividend</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfProfitDistributionLineItems', window );"><strong>Profit Distribution [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare', window );">Dividends per share (in eur per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 0.115<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DividendAxis=san_ComplementaryDividendMember', window );">Complementary dividend</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfProfitDistributionLineItems', window );"><strong>Profit Distribution [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare', window );">Dividends per share (in eur per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 0.11<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare', window );">Dividends proposed, total per share (in eur per share)</a></td>
<td class="nump">&#8364; 0.125<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=srt_ParentCompanyMember', window );">Banco Santander, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfProfitDistributionLineItems', window );"><strong>Profit Distribution [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsPaid', window );">Dividends paid in cash</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,520,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughAppropriationOfRetainedEarnings', window );">To voluntary reserves</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,593,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit or loss for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 11,113,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesOutstandingEntitledToReceiveDividend', window );">Number of shares outstanding, entitled to receive dividend</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">14,568,470,446<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=srt_ParentCompanyMember', window );">Banco Santander, S.A. | Interim dividend</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfProfitDistributionLineItems', window );"><strong>Profit Distribution [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsPaid', window );">Dividends paid in cash</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,699,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare', window );">Dividends per share (in eur per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 0.115<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=srt_ParentCompanyMember', window );">Banco Santander, S.A. | Complementary dividend</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfProfitDistributionLineItems', window );"><strong>Profit Distribution [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsPaid', window );">Dividends paid in cash</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,821,058,805.75<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare', window );">Dividends proposed, total per share (in eur per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 0.125<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DividendsPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of dividends recognised as distributions to owners.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 138<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_138&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 107<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_107&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DividendsPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount, per share, of dividends proposed or declared before financial statements were authorised for issue but not recognised as distribution to owners.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 162<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_162_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B17<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B17_a&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 137<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_137_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount, per share, of dividends recognised as distributions to owners.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 138<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_138&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 107<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_107&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughAppropriationOfRetainedEarnings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in equity resulting from the appropriation of retained earnings. [Refer: Retained earnings]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughAppropriationOfRetainedEarnings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses from continuing and discontinued operations, excluding the components of other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 113<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfSharesOutstandingEntitledToReceiveDividend">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number Of Shares Outstanding, Entitled To Receive Dividend</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfSharesOutstandingEntitledToReceiveDividend</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ScheduleOfProfitDistributionLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Profit Distribution [Line Items]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ScheduleOfProfitDistributionLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DividendAxis=san_InterimDividendMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DividendAxis=san_InterimDividendMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DividendAxis=san_ComplementaryDividendMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DividendAxis=san_ComplementaryDividendMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LegalEntityAxis=srt_ParentCompanyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=srt_ParentCompanyMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Distribution of Banco Santander's profit, shareholder remuneration scheme and earnings per share - Narrative (Details)<br> &#8364; / shares in Units, &#8364; in Millions</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1">1 Months Ended</th>
<th class="th" colspan="1">5 Months Ended</th>
<th class="th" colspan="1">11 Months Ended</th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Feb. 24, 2026 </div>
<div>&#8364; / shares</div>
</th>
<th class="th"><div>Jan. 09, 2026</div></th>
<th class="th">
<div>May 02, 2025 </div>
<div>&#8364; / shares</div>
</th>
<th class="th">
<div>Apr. 04, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Nov. 30, 2025 </div>
<div>&#8364; / shares</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2026 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;) </div>
<div>program</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfProfitDistributionLineItems', window );"><strong>Profit Distribution [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramPercentageOfUnderlyingProfit', window );">Share buyback program, percentage of underlying profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">25.00%<span></span>
</td>
<td class="nump">25.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfShareBuybackPrograms', window );">Number of share buyback programs | program</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramPercentageOfCapitalReleasedOfSaleOfPoland', window );">Percentage of capital released of sale of Poland</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">50.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TypeOfAgreementAxis=san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member', window );">Agreement For The Sale Of Santander Bank Polska S.A. | Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfProfitDistributionLineItems', window );"><strong>Profit Distribution [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SaleOfProportionOfOwnershipInterestInSubsidiary', window );">Sale of proportion of ownership interest in subsidiary</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">49.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramAxis=san_A2024ProgramFirstMember', window );">2024 Program, First</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfProfitDistributionLineItems', window );"><strong>Profit Distribution [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramAmount', window );">Share buyback program, amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,525<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramAxis=san_A2024ProgramSecondMember', window );">2024 Program, Second</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfProfitDistributionLineItems', window );"><strong>Profit Distribution [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramAmount', window );">Share buyback program, amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,587<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramAxis=san_A2025ProgramFirstMember', window );">2025 Program, First</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfProfitDistributionLineItems', window );"><strong>Profit Distribution [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramAmount', window );">Share buyback program, amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,700<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramAxis=san_A2025ProgramSecondMember', window );">2025 Program, Second</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfProfitDistributionLineItems', window );"><strong>Profit Distribution [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramAmount', window );">Share buyback program, amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 5,030<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramAxis=san_A2025And2026ProgramMember', window );">2025 And 2026 Program</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfProfitDistributionLineItems', window );"><strong>Profit Distribution [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramAmount', window );">Share buyback program, amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 10,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramAxis=san_A2025ProgramSecondCapitalReleasedOfPolandSaleMember', window );">2025 Program, Second, Capital Released Of Poland Sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfProfitDistributionLineItems', window );"><strong>Profit Distribution [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramAmount', window );">Share buyback program, amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,200<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramAxis=san_A2025ProgramSecondGroupUnderlyingProfitMember', window );">2025 Program, Second, Group Underlying Profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfProfitDistributionLineItems', window );"><strong>Profit Distribution [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramAmount', window );">Share buyback program, amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,830<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DividendAxis=san_InterimDividendMember', window );">Interim dividend</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfProfitDistributionLineItems', window );"><strong>Profit Distribution [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare', window );">Dividends per share (in eur per share) | &#8364; / shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 0.115<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DividendAxis=san_ComplementaryDividendMember', window );">Complementary dividend</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfProfitDistributionLineItems', window );"><strong>Profit Distribution [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare', window );">Dividends per share (in eur per share) | &#8364; / shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 0.11<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare', window );">Dividends proposed, total per share (in eur per share) | &#8364; / shares</a></td>
<td class="nump">&#8364; 0.125<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount, per share, of dividends proposed or declared before financial statements were authorised for issue but not recognised as distribution to owners.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 162<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_162_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B17<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B17_a&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 137<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_137_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount, per share, of dividends recognised as distributions to owners.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 138<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_138&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 107<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_107&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DividendsRecognisedAsDistributionsToOwnersPerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfShareBuybackPrograms">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number Of Share Buyback Programs</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfShareBuybackPrograms</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SaleOfProportionOfOwnershipInterestInSubsidiary">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sale Of Proportion Of Ownership Interest In Subsidiary</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SaleOfProportionOfOwnershipInterestInSubsidiary</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ScheduleOfProfitDistributionLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Profit Distribution [Line Items]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ScheduleOfProfitDistributionLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ShareBuybackProgramAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Share Buyback Program, Amount</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ShareBuybackProgramAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ShareBuybackProgramPercentageOfCapitalReleasedOfSaleOfPoland">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Share Buyback Program, Percentage Of Capital Released Of Sale Of Poland</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ShareBuybackProgramPercentageOfCapitalReleasedOfSaleOfPoland</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ShareBuybackProgramPercentageOfUnderlyingProfit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Share Buyback Program, Percentage Of Underlying Profit</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ShareBuybackProgramPercentageOfUnderlyingProfit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TypeOfAgreementAxis=san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TypeOfAgreementAxis=san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ShareBuybackProgramAxis=san_A2024ProgramFirstMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ShareBuybackProgramAxis=san_A2024ProgramFirstMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ShareBuybackProgramAxis=san_A2024ProgramSecondMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ShareBuybackProgramAxis=san_A2024ProgramSecondMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ShareBuybackProgramAxis=san_A2025ProgramFirstMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ShareBuybackProgramAxis=san_A2025ProgramFirstMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ShareBuybackProgramAxis=san_A2025ProgramSecondMember">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ShareBuybackProgramAxis=san_A2025ProgramSecondCapitalReleasedOfPolandSaleMember</td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ShareBuybackProgramAxis=san_A2025ProgramSecondGroupUnderlyingProfitMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Distribution of Banco Santander's profit, shareholder remuneration scheme and earnings per share - Schedule of provisional accounting statement for interim dividend (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1">8 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Aug. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareholderRemunerationSystemAndEarningsPerShareAbstract', window );"><strong>Shareholder Remuneration System And Earnings Per Share [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Profit before taxes</a></td>
<td class="nump">&#8364; 6,193.0<span></span>
</td>
<td class="nump">&#8364; 18,681.0<span></span>
</td>
<td class="nump">&#8364; 17,347.0<span></span>
</td>
<td class="nump">&#8364; 15,005.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Continuing operations</a></td>
<td class="nump">635.0<span></span>
</td>
<td class="nump">4,723.0<span></span>
</td>
<td class="nump">4,844.0<span></span>
</td>
<td class="nump">3,880.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsPaid', window );">Dividends paid in cash</a></td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">4,237.0<span></span>
</td>
<td class="nump">3,677.0<span></span>
</td>
<td class="nump">3,009.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DividendsMaximumAmountDistributable', window );">Distributable maximum amount</a></td>
<td class="nump">5,558.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">Cash, cash balances at central banks and other deposits on demand</a></td>
<td class="nump">&#8364; 96,923.0<span></span>
</td>
<td class="nump">&#8364; 152,281.0<span></span>
</td>
<td class="nump">&#8364; 192,208.0<span></span>
</td>
<td class="nump">&#8364; 220,342.0<span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashAndCashEquivalents">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash on hand and demand deposits, along with short-term, highly liquid investments that are readily convertible to known amounts of cash and that are subject to an insignificant risk of changes in value. [Refer: Cash; Cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_a&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 169<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_169&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 169<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_169&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of dividends recognised as distributions to owners.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 138<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_138&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 107<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_107&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DividendsPaid</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph b<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_b_viii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 79<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_79&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_g&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 192<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_192&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 192<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_192&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxExpenseContinuingOperations</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Dividends, Maximum Amount Distributable</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DividendsMaximumAmountDistributable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ShareholderRemunerationSystemAndEarningsPerShareAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ShareholderRemunerationSystemAndEarningsPerShareAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Distribution of Banco Santander's profit, shareholder remuneration scheme and earnings per share - Schedule of basic earnings per share (Details) - EUR (&#8364;)<br> &#8364; / shares in Units, &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BasicEarningsPerShareAbstract', window );"><strong>Basic earnings per share [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Profit (loss) attributable to the Parent</a></td>
<td class="nump">&#8364; 14,101<span></span>
</td>
<td class="nump">&#8364; 12,574<span></span>
</td>
<td class="nump">&#8364; 11,076<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities', window );">Remuneration of PPCC and PPCA</a></td>
<td class="num">(622)<span></span>
</td>
<td class="num">(620)<span></span>
</td>
<td class="num">(492)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity', window );">Profit (loss) attributable to ordinary equity holders of parent</a></td>
<td class="nump">13,479<span></span>
</td>
<td class="nump">11,954<span></span>
</td>
<td class="nump">10,584<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects', window );">Profit (loss) from discontinued operations (non controlling interest net)</a></td>
<td class="nump">962<span></span>
</td>
<td class="nump">822<span></span>
</td>
<td class="nump">717<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects', window );">Profit (loss) from continuing operations (PPC net)</a></td>
<td class="nump">&#8364; 12,517<span></span>
</td>
<td class="nump">&#8364; 11,132<span></span>
</td>
<td class="nump">&#8364; 9,867<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_WeightedAverageShares', window );">Weighted average number of shares outstanding (in shares)</a></td>
<td class="nump">14,890,304,840<span></span>
</td>
<td class="nump">15,497,607,269<span></span>
</td>
<td class="nump">16,172,084,714<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BasicEarningsLossPerShare', window );">Basic earnings (loss) per share (in euro per share)</a></td>
<td class="nump">&#8364; 0.905<span></span>
</td>
<td class="nump">&#8364; 0.771<span></span>
</td>
<td class="nump">&#8364; 0.654<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations', window );">Basic earnings (loss) per share from discontinued operations (in euro per share)</a></td>
<td class="nump">0.065<span></span>
</td>
<td class="nump">0.053<span></span>
</td>
<td class="nump">0.044<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations', window );">Basic earnings (loss) per share from continuing operations (in euro per share)</a></td>
<td class="nump">&#8364; 0.840<span></span>
</td>
<td class="nump">&#8364; 0.718<span></span>
</td>
<td class="nump">&#8364; 0.610<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BasicEarningsLossPerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of profit (loss) attributable to ordinary equity holders of the parent entity (the numerator) divided by the weighted average number of ordinary shares outstanding during the period (the denominator).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 67<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_67&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BasicEarningsLossPerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Basic earnings (loss) per share from continuing operations. [Refer: Basic earnings (loss) per share; Continuing operations, unless line item indicates otherwise [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 67<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_67&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BasicEarningsLossPerShareFromContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Basic earnings (loss) per share from discontinued operations. [Refer: Basic earnings (loss) per share; Discontinued operations [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 68<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_68&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 67<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_67&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations</td>
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<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BasicEarningsPerShareAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) attributable to ordinary equity holders of the parent entity. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossAttributableToOwnersOfParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing and discontinued operations attributable to owners of the parent. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81B<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81B_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToOwnersOfParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing operations attributable to ordinary equity holders of the parent entity, adjusted for the effects of all dilutive potential ordinary shares. [Refer: Profit (loss) from continuing operations]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_WeightedAverageShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of ordinary shares outstanding at the beginning of the period, adjusted by the number of ordinary shares bought back or issued during the period multiplied by a time-weighting factor.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_WeightedAverageShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustment To Profit (Loss) For Remuneration Of Contingently Convertible Preferred Securities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Distribution of Banco Santander's profit, shareholder remuneration scheme and earnings per share - Schedule of diluted earnings per share (Details) - EUR (&#8364;)<br> &#8364; / shares in Units, &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DilutedEarningsPerShareAbstract', window );"><strong>Diluted earnings per share [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Profit (loss) attributable to the Parent</a></td>
<td class="nump">&#8364; 14,101<span></span>
</td>
<td class="nump">&#8364; 12,574<span></span>
</td>
<td class="nump">&#8364; 11,076<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities', window );">Remuneration of PPCC and PPCA</a></td>
<td class="num">(622)<span></span>
</td>
<td class="num">(620)<span></span>
</td>
<td class="num">(492)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DilutiveEffectOfPotentialConversionOfOrdinaryShares', window );">Dilutive effect of changes in profit for the period arising from potential conversion of ordinary shares</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects', window );">Profit (loss) attributable to ordinary equity holders of parent including dilutive effects</a></td>
<td class="nump">13,479<span></span>
</td>
<td class="nump">11,954<span></span>
</td>
<td class="nump">10,584<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects', window );">Profit (loss) from discontinued operations (non controlling interest net)</a></td>
<td class="nump">962<span></span>
</td>
<td class="nump">822<span></span>
</td>
<td class="nump">717<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects', window );">Profit (loss) from continuing operations (net of non-controlling interests and CCP)</a></td>
<td class="nump">&#8364; 12,517<span></span>
</td>
<td class="nump">&#8364; 11,132<span></span>
</td>
<td class="nump">&#8364; 9,867<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_WeightedAverageShares', window );">Weighted average number of shares outstanding (in shares)</a></td>
<td class="nump">14,890,304,840<span></span>
</td>
<td class="nump">15,497,607,269<span></span>
</td>
<td class="nump">16,172,084,714<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares', window );">Dilutive effect of options/rights on shares (in shares)</a></td>
<td class="nump">85,269,647<span></span>
</td>
<td class="nump">70,110,570<span></span>
</td>
<td class="nump">75,180,407<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustedWeightedAverageShares', window );">Adjusted number of shares (in shares)</a></td>
<td class="nump">14,975,574,487<span></span>
</td>
<td class="nump">15,567,717,839<span></span>
</td>
<td class="nump">16,247,265,121<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DilutedEarningsLossPerShare', window );">Diluted earnings (loss) per share (in euro per share)</a></td>
<td class="nump">&#8364; 0.900<span></span>
</td>
<td class="nump">&#8364; 0.768<span></span>
</td>
<td class="nump">&#8364; 0.651<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations', window );">Diluted earnings (loss) per share from discontinued operations (in euro per share)</a></td>
<td class="nump">0.064<span></span>
</td>
<td class="nump">0.053<span></span>
</td>
<td class="nump">0.044<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations', window );">Diluted earnings (loss) per share from continuing operations (in euro per share)</a></td>
<td class="nump">&#8364; 0.836<span></span>
</td>
<td class="nump">&#8364; 0.715<span></span>
</td>
<td class="nump">&#8364; 0.607<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustedWeightedAverageShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The weighted average number of ordinary shares outstanding plus the weighted average number of ordinary shares that would be issued on the conversion of all the dilutive potential ordinary shares into ordinary shares. [Refer: Ordinary shares [member]; Weighted average [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustedWeightedAverageShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DilutedEarningsLossPerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of profit (loss) attributable to ordinary equity holders of the parent entity (the numerator), divided by the weighted average number of ordinary shares outstanding during the period (the denominator), both adjusted for the effects of all dilutive potential ordinary shares. [Refer: Ordinary shares [member]; Weighted average [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 67<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_67&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DilutedEarningsLossPerShare</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>dtr-2022:perShareItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Diluted earnings (loss) per share from continuing operations. [Refer: Continuing operations, unless line item indicates otherwise [member]; Diluted earnings (loss) per share]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 67<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_67&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Diluted earnings (loss) per share from discontinued operations. [Refer: Diluted earnings (loss) per share; Discontinued operations [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 68<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_68&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 67<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_67&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DilutedEarningsPerShareAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DilutedEarningsPerShareAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) attributable to ordinary equity holders of the parent entity, adjusted for the effects of all dilutive potential ordinary shares. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossAttributableToOwnersOfParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing and discontinued operations attributable to owners of the parent. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81B<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81B_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToOwnersOfParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing operations attributable to ordinary equity holders of the parent entity, adjusted for the effects of all dilutive potential ordinary shares. [Refer: Profit (loss) from continuing operations]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_WeightedAverageShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of ordinary shares outstanding at the beginning of the period, adjusted by the number of ordinary shares bought back or issued during the period multiplied by a time-weighting factor.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_WeightedAverageShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustment To Profit (Loss) For Remuneration Of Contingently Convertible Preferred Securities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DilutiveEffectOfPotentialConversionOfOrdinaryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Dilutive Effect Of Potential Conversion Of Ordinary Shares</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DilutiveEffectOfPotentialConversionOfOrdinaryShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of dilutive potential ordinary shares that relate to the assumed exercise of the entity's share options and the effect of share rights.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Remuneration of Directors (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 22, 2024</div></th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;) </div>
<div>branch </div>
<div>remuneration_component </div>
<div>annuity</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseKeyManagementPersonnelCompensationDirectorCompensationPerDirectorPercentage', window );">Increase (decrease) annual emoluments, per director (in percentage)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseKeyManagementPersonnelCompensationAttendanceFeesPercentage', window );">Increase (decrease) attendance fees (in percentage)</a></td>
<td class="nump">3.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">40.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">60.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentNumberOfAnnuities', window );">Deferred payment, number of annuities | annuity</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationMaximumAchievementRatio', window );">Maximum achievement ratio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">125.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Profit/(loss) attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 14,101.0<span></span>
</td>
<td class="nump">&#8364; 12,574.0<span></span>
</td>
<td class="nump">&#8364; 11,076.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentage', window );">Profit/(loss) attributable to the parent, increase (decrease) in percentage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentageInConstantEuros', window );">Profit/(loss) attributable to the parent, increase (decrease) in constant euros</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">16.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalShareholderReturnPercentage', window );">Total shareholder return (in percentage)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">132.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DifferenceBetweenTotalShareholderReturnAndPeerGroupPercentage', window );">Difference between total shareholder return and peer group (in percentages)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">60.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RatioOfExecutiveDirectorsTotalRemunerationToUnderlyingAttributableProfit', window );">Ratio of executive directors&#8217; total remuneration to underlying attributable profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.17%<span></span>
</td>
<td class="nump">0.18%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember', window );">Deferred variable compensation plan linked to multiannual objectives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">60.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentNumberOfAnnuities', window );">Deferred payment, number of annuities | annuity</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentPercentagePaidInCash', window );">Deferred payment, percentage paid in cash</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">40.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentPercentagePaidInShares', window );">Deferred payment, percentage paid in shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">60.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan', window );">Fair value of plan, initial achievement</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">70.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationFirstAndSecondPortionMember', window );">Deferred variable compensation, first and second portion</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">20.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationThirdFourthAndFifthPortionMember', window );">Deferred variable compensation, third, fourth and fifth portion</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">40.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Deferred variable compensation plan linked to multiannual objectives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfRemunerationComponents', window );">Number of remuneration components | remuneration_component</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationByLawStipulatedEmoluments', window );">By-law stipulated emoluments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 5.3<span></span>
</td>
<td class="nump">&#8364; 5.4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Deferred variable compensation plan linked to multiannual objectives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">40.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">60.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationBoardApprovedAnnualAmount', window );">Remuneration of directors approved by the board of directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 6.0<span></span>
</td>
<td class="nump">&#8364; 6.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_BoardOfDirectorsChairmanAndChiefExecutiveOfficerMember', window );">Chairman and CEO | Ana Botina and Jose Antonio Alvarez</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitObligationPensionableBasePercentageOfBasis', window );">Pensionable base, expressed as a percent of fixed, percentage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">22.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitObligationPensionableBaseBasisPercentageOfBonusAverage', window );">Pensionable base, expressed as a percent of fixed, bonus average</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">30.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitObligationPensionableBaseBasisNumberOfPreviousBonuses', window );">Pensionable base, expressed as a percent of fixed, number of previous bonuses | branch</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
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<tr>
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<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossAttributableToOwnersOfParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing and discontinued operations attributable to owners of the parent. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81B<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81B_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToOwnersOfParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DefinedBenefitObligationPensionableBaseBasisNumberOfPreviousBonuses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Defined Benefit Obligation, Pensionable Base, Basis, Number Of Previous Bonuses</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DefinedBenefitObligationPensionableBaseBasisNumberOfPreviousBonuses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DefinedBenefitObligationPensionableBaseBasisPercentageOfBonusAverage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Defined Benefit Obligation, Pensionable Base, Basis, Percentage Of Bonus Average</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DefinedBenefitObligationPensionableBaseBasisPercentageOfBonusAverage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DefinedBenefitObligationPensionableBasePercentageOfBasis">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Defined Benefit Obligation, Pensionable Base, Percentage Of Basis</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DefinedBenefitObligationPensionableBasePercentageOfBasis</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DifferenceBetweenTotalShareholderReturnAndPeerGroupPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Difference Between Total Shareholder Return And Peer Group, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DifferenceBetweenTotalShareholderReturnAndPeerGroupPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseKeyManagementPersonnelCompensationAttendanceFeesPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) Key Management Personnel Compensation, Attendance Fees, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseKeyManagementPersonnelCompensationAttendanceFeesPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseKeyManagementPersonnelCompensationDirectorCompensationPerDirectorPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) Key Management Personnel Compensation, Director Compensation, Per Director, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseKeyManagementPersonnelCompensationDirectorCompensationPerDirectorPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationBoardApprovedAnnualAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The annual fixed amount of remuneration of directors approved by the board of directors. Includes annual emolument and attendance fees.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationBoardApprovedAnnualAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationByLawStipulatedEmoluments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of by-law stipulated emolument compensation, which includes both annual emoluments and attendance fees and commissions, to key management personnel.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationByLawStipulatedEmoluments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfRemunerationComponents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of components included in remuneration of directors.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfRemunerationComponents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value of performance plan as a percentage of the maximum initial achievement ratio.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Profit Loss Attributable To Owners Of Parent, Increase (Decrease), Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentageInConstantEuros">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Profit Loss Attributable To Owners Of Parent, Increase (Decrease), Percentage, In Constant Euros</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentageInConstantEuros</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RatioOfExecutiveDirectorsTotalRemunerationToUnderlyingAttributableProfit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Ratio Of Executive Directors Total Remuneration To Underlying Attributable Profit</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RatioOfExecutiveDirectorsTotalRemunerationToUnderlyingAttributableProfit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TotalShareholderReturnPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Total Shareholder Return, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TotalShareholderReturnPercentage</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferralPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The deferral period to pay variable remuneration or bonus.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferralPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentNumberOfAnnuities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, Number Of Annuities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentNumberOfAnnuities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentPercentagePaidInCash">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of an award granted under a variable remuneration deferred payment plan paid in cash.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentPercentagePaidInCash</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentPercentagePaidInShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of an award granted under a variable remuneration deferred payment plan paid in shares.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentPercentagePaidInShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of variable remuneration with deferred payment during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationImmediatePaymentPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of variable remuneration with immediate payment during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationImmediatePaymentPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationMaximumAchievementRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Maximum Achievement Ratio</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationMaximumAchievementRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationFirstAndSecondPortionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationFirstAndSecondPortionMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationThirdFourthAndFifthPortionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationThirdFourthAndFifthPortionMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_BoardOfDirectorsChairmanAndChiefExecutiveOfficerMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_AnaBotinSanzDeSautuolaYOSheaAndJoseAntonioAlvarezMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Schedule summarising annual emolument (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_GlennHutchinsMember', window );">Glenn Hutchins | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector', window );">Annual emoluments, per director</a></td>
<td class="nump">&#8364; 700,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Members of the board of directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector', window );">Annual emoluments, per director</a></td>
<td class="nump">100,940<span></span>
</td>
<td class="nump">&#8364; 98,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveCommittee1Member', window );">Members of the executive committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector', window );">Annual emoluments, per director</a></td>
<td class="nump">175,100<span></span>
</td>
<td class="nump">170,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AuditCommitteeMember', window );">Members of the audit committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector', window );">Annual emoluments, per director</a></td>
<td class="nump">44,290<span></span>
</td>
<td class="nump">43,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AppointmentsCommitteeMember', window );">Members of the appointments committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector', window );">Annual emoluments, per director</a></td>
<td class="nump">28,840<span></span>
</td>
<td class="nump">28,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RemunerationCommitteeMember', window );">Members of the remuneration committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector', window );">Annual emoluments, per director</a></td>
<td class="nump">28,840<span></span>
</td>
<td class="nump">28,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember', window );">Members of the risk supervision, regulation and compliance committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector', window );">Annual emoluments, per director</a></td>
<td class="nump">44,290<span></span>
</td>
<td class="nump">43,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ResponsibleBankingSustainabilityAndCultureCommitteeMember', window );">Members of the responsible banking, sustainability and culture committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector', window );">Annual emoluments, per director</a></td>
<td class="nump">28,840<span></span>
</td>
<td class="nump">28,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_InnovationAndTechnologyCommitteeMember', window );">Members of the innovation and technology committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector', window );">Annual emoluments, per director</a></td>
<td class="nump">28,840<span></span>
</td>
<td class="nump">28,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AuditCommitteeChairmanMember', window );">Chair of the audit committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector', window );">Annual emoluments, per director</a></td>
<td class="nump">72,100<span></span>
</td>
<td class="nump">70,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AppointmentsCommitteeChairmanMember', window );">Chair of the appointments committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector', window );">Annual emoluments, per director</a></td>
<td class="nump">51,500<span></span>
</td>
<td class="nump">50,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RemunerationCommitteeChairmanMember', window );">Chair of the remuneration committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector', window );">Annual emoluments, per director</a></td>
<td class="nump">51,500<span></span>
</td>
<td class="nump">50,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RiskSupervisionRegulationAndComplianceOversightCommitteeChairmanMember', window );">Chair of the risk supervision, regulation and compliance committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector', window );">Annual emoluments, per director</a></td>
<td class="nump">72,100<span></span>
</td>
<td class="nump">70,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ResponsibleBankingSustainabilityAndCultureCommitteeChairmanMember', window );">Chair of the responsible banking, sustainability and culture committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector', window );">Annual emoluments, per director</a></td>
<td class="nump">51,500<span></span>
</td>
<td class="nump">50,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_TheInnovationAndTechnologyCommitteeChairmanMember', window );">Chair of the innovation and technology committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector', window );">Annual emoluments, per director</a></td>
<td class="nump">72,100<span></span>
</td>
<td class="nump">70,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_LeadDirectorMember', window );">Lead independent director</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector', window );">Annual emoluments, per director</a></td>
<td class="nump">113,300<span></span>
</td>
<td class="nump">110,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_NonExecutiveViceChairmanMember', window );">Non-executive Vice Chair</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector', window );">Annual emoluments, per director</a></td>
<td class="nump">&#8364; 30,900<span></span>
</td>
<td class="nump">&#8364; 30,000<span></span>
</td>
</tr>
</table>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
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<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Key Management Personnel Compensation, Director Compensation, Per Director</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationDirectorCompensationPerDirector</td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td>duration</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_GlennHutchinsMember</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember</td>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Schedule summarising attendance fees (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
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<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">&#8364; 2,785<span></span>
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<td class="nump">&#8364; 2,704<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationAttendanceFeesPerMeeting', window );">Attendance fees and commissions per meeting</a></td>
<td class="nump">1,821<span></span>
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<td class="nump">1,768<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_OtherCommitteesMember', window );">Other committees (excluding executive committee)</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationAttendanceFeesPerMeeting', window );">Attendance fees and commissions per meeting</a></td>
<td class="nump">&#8364; 1,606<span></span>
</td>
<td class="nump">&#8364; 1,560<span></span>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of compensation paid per meeting, per director, for attendance fees and commissions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationAttendanceFeesPerMeeting</td>
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<td>xbrli:monetaryItemType</td>
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<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_AuditCommitteeAndRiskSupervisionRegulationAndComplianceOversightCommitteeMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_OtherCommitteesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<TYPE>XML
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<html>
<head>
<title></title>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Schedule summarising short-term remuneration (excluding remuneration subject to long-term objectives), Directors (Details) - EUR (&#8364;)<br> &#8364; in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed', window );">Fixed</a></td>
<td class="nump">&#8364; 6,585<span></span>
</td>
<td class="nump">&#8364; 6,585<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable - immediate payment in cash</a></td>
<td class="nump">3,387<span></span>
</td>
<td class="nump">3,130<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable - immediate payment in instruments</a></td>
<td class="nump">3,387<span></span>
</td>
<td class="nump">3,130<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits', window );">Deferred variable in cash</a></td>
<td class="nump">1,693<span></span>
</td>
<td class="nump">1,877<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits', window );">Deferred variable in instruments</a></td>
<td class="nump">1,694<span></span>
</td>
<td class="nump">1,879<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermAndDeferred', window );">Total</a></td>
<td class="nump">16,746<span></span>
</td>
<td class="nump">16,601<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits', window );">Pension contribution</a></td>
<td class="nump">2,461<span></span>
</td>
<td class="nump">2,444<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits', window );">Other remuneration</a></td>
<td class="nump">5,001<span></span>
</td>
<td class="nump">5,815<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationEmployeeBenefits', window );">Total</a></td>
<td class="nump">29,462<span></span>
</td>
<td class="nump">30,214<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TypeOfCompensationAxis=san_AttendanceFeesAndCommissionsMember', window );">Attendance Fees And Commissions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">1,047<span></span>
</td>
<td class="nump">1,240<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_AnaBotinSanzDeSautuolaYOSheaMember', window );">Ana Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed', window );">Fixed</a></td>
<td class="nump">3,435<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable - immediate payment in cash</a></td>
<td class="nump">2,003<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable - immediate payment in instruments</a></td>
<td class="nump">2,003<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits', window );">Deferred variable in cash</a></td>
<td class="nump">1,001<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits', window );">Deferred variable in instruments</a></td>
<td class="nump">1,002<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermAndDeferred', window );">Total</a></td>
<td class="nump">9,444<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits', window );">Pension contribution</a></td>
<td class="nump">1,341<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits', window );">Other remuneration</a></td>
<td class="nump">843<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationEmployeeBenefits', window );">Total</a></td>
<td class="nump">11,977<span></span>
</td>
<td class="nump">12,127<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_AnaBotinSanzDeSautuolaYOSheaMember', window );">Ana Bot&#237;n | Attendance Fees And Commissions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">44<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_HectorGrisiMember', window );">H&#233;ctor Grisi</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed', window );">Fixed</a></td>
<td class="nump">3,150<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable - immediate payment in cash</a></td>
<td class="nump">1,384<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable - immediate payment in instruments</a></td>
<td class="nump">1,384<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits', window );">Deferred variable in cash</a></td>
<td class="nump">692<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits', window );">Deferred variable in instruments</a></td>
<td class="nump">692<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermAndDeferred', window );">Total</a></td>
<td class="nump">7,302<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits', window );">Pension contribution</a></td>
<td class="nump">1,120<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits', window );">Other remuneration</a></td>
<td class="nump">718<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationEmployeeBenefits', window );">Total</a></td>
<td class="nump">9,489<span></span>
</td>
<td class="nump">9,137<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_HectorGrisiMember', window );">H&#233;ctor Grisi | Attendance Fees And Commissions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">44<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_JoseAntonioAlvarezMember', window );">Jos&#233; Antonio &#193;lvarez</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed', window );">Fixed</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable - immediate payment in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable - immediate payment in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits', window );">Deferred variable in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits', window );">Deferred variable in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermAndDeferred', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits', window );">Pension contribution</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits', window );">Other remuneration</a></td>
<td class="nump">2,440<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationEmployeeBenefits', window );">Total</a></td>
<td class="nump">2,887<span></span>
</td>
<td class="nump">3,698<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_JoseAntonioAlvarezMember', window );">Jos&#233; Antonio &#193;lvarez | Attendance Fees And Commissions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">67<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_GlennHutchinsMember', window );">Glenn Hutchins</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed', window );">Fixed</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable - immediate payment in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable - immediate payment in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits', window );">Deferred variable in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits', window );">Deferred variable in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermAndDeferred', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits', window );">Pension contribution</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits', window );">Other remuneration</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationEmployeeBenefits', window );">Total</a></td>
<td class="nump">700<span></span>
</td>
<td class="nump">700<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_GlennHutchinsMember', window );">Glenn Hutchins | Attendance Fees And Commissions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">78<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_HomairaAkbariMember', window );">Homaira Akbari</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed', window );">Fixed</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable - immediate payment in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable - immediate payment in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits', window );">Deferred variable in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits', window );">Deferred variable in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermAndDeferred', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits', window );">Pension contribution</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits', window );">Other remuneration</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationEmployeeBenefits', window );">Total</a></td>
<td class="nump">284<span></span>
</td>
<td class="nump">285<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_HomairaAkbariMember', window );">Homaira Akbari | Attendance Fees And Commissions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">81<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_JavierBotinSaenzDeSautuolaMember', window );">Javier Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed', window );">Fixed</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable - immediate payment in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable - immediate payment in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits', window );">Deferred variable in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits', window );">Deferred variable in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermAndDeferred', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits', window );">Pension contribution</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits', window );">Other remuneration</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationEmployeeBenefits', window );">Total</a></td>
<td class="nump">137<span></span>
</td>
<td class="nump">144<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_JavierBotinSaenzDeSautuolaMember', window );">Javier Bot&#237;n | Attendance Fees And Commissions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">36<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_SolDaurellaComadranMember', window );">Sol Daurella</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed', window );">Fixed</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable - immediate payment in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable - immediate payment in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits', window );">Deferred variable in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits', window );">Deferred variable in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermAndDeferred', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits', window );">Pension contribution</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits', window );">Other remuneration</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationEmployeeBenefits', window );">Total</a></td>
<td class="nump">314<span></span>
</td>
<td class="nump">292<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_SolDaurellaComadranMember', window );">Sol Daurella | Attendance Fees And Commissions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">75<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_HenriqueManuelDrummondBorgesCirneDeCastroMember', window );">Henrique de Castro</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed', window );">Fixed</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable - immediate payment in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable - immediate payment in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits', window );">Deferred variable in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits', window );">Deferred variable in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermAndDeferred', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits', window );">Pension contribution</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits', window );">Other remuneration</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationEmployeeBenefits', window );">Total</a></td>
<td class="nump">283<span></span>
</td>
<td class="nump">300<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_HenriqueManuelDrummondBorgesCirneDeCastroMember', window );">Henrique de Castro | Attendance Fees And Commissions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">80<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_GinaLorenzaDiezBarrosoAracarragaMember', window );">Gina D&#237;ez</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed', window );">Fixed</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable - immediate payment in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable - immediate payment in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits', window );">Deferred variable in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits', window );">Deferred variable in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermAndDeferred', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits', window );">Pension contribution</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits', window );">Other remuneration</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationEmployeeBenefits', window );">Total</a></td>
<td class="nump">222<span></span>
</td>
<td class="nump">225<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_GinaLorenzaDiezBarrosoAracarragaMember', window );">Gina D&#237;ez | Attendance Fees And Commissions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">63<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_LuisIsasiFernandezDeBobadillaMember', window );">Luis Isasi</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed', window );">Fixed</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable - immediate payment in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable - immediate payment in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits', window );">Deferred variable in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits', window );">Deferred variable in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermAndDeferred', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits', window );">Pension contribution</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits', window );">Other remuneration</a></td>
<td class="nump">1,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationEmployeeBenefits', window );">Total</a></td>
<td class="nump">1,423<span></span>
</td>
<td class="nump">1,440<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_LuisIsasiFernandezDeBobadillaMember', window );">Luis Isasi | Attendance Fees And Commissions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">74<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_BelenRomanaGarciaMember', window );">Bel&#233;n Romana</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed', window );">Fixed</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable - immediate payment in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable - immediate payment in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits', window );">Deferred variable in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits', window );">Deferred variable in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermAndDeferred', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits', window );">Pension contribution</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits', window );">Other remuneration</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationEmployeeBenefits', window );">Total</a></td>
<td class="nump">581<span></span>
</td>
<td class="nump">599<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_BelenRomanaGarciaMember', window );">Bel&#233;n Romana | Attendance Fees And Commissions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">107<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_PamelaAnnWalkdenMember', window );">Pamela Walkden</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed', window );">Fixed</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable - immediate payment in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable - immediate payment in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits', window );">Deferred variable in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits', window );">Deferred variable in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermAndDeferred', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits', window );">Pension contribution</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits', window );">Other remuneration</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationEmployeeBenefits', window );">Total</a></td>
<td class="nump">383<span></span>
</td>
<td class="nump">381<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_PamelaAnnWalkdenMember', window );">Pamela Walkden | Attendance Fees And Commissions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">93<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_GermanDeLaFuenteEscamillaMember', window );">Germ&#225;n de la Fuente</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed', window );">Fixed</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable - immediate payment in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable - immediate payment in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits', window );">Deferred variable in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits', window );">Deferred variable in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermAndDeferred', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits', window );">Pension contribution</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits', window );">Other remuneration</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationEmployeeBenefits', window );">Total</a></td>
<td class="nump">344<span></span>
</td>
<td class="nump">338<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_GermanDeLaFuenteEscamillaMember', window );">Germ&#225;n de la Fuente | Attendance Fees And Commissions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">83<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_JuanCarlosBarrabesConsulMember', window );">Carlos Barrab&#233;s</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed', window );">Fixed</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable - immediate payment in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable - immediate payment in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits', window );">Deferred variable in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits', window );">Deferred variable in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermAndDeferred', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits', window );">Pension contribution</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits', window );">Other remuneration</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationEmployeeBenefits', window );">Total</a></td>
<td class="nump">259<span></span>
</td>
<td class="nump">128<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_JuanCarlosBarrabesConsulMember', window );">Carlos Barrab&#233;s | Attendance Fees And Commissions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">71<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_AntonioFrancescoWeissMember', window );">Antonio Weiss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed', window );">Fixed</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable - immediate payment in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable - immediate payment in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits', window );">Deferred variable in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits', window );">Deferred variable in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermAndDeferred', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits', window );">Pension contribution</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits', window );">Other remuneration</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationEmployeeBenefits', window );">Total</a></td>
<td class="nump">180<span></span>
</td>
<td class="nump">72<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_AntonioFrancescoWeissMember', window );">Antonio Weiss | Attendance Fees And Commissions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_BruceCarnegieBrownMember', window );">Bruce Carnegie Brown</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed', window );">Fixed</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable - immediate payment in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable - immediate payment in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits', window );">Deferred variable in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits', window );">Deferred variable in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermAndDeferred', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits', window );">Pension contribution</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits', window );">Other remuneration</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationEmployeeBenefits', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">78<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_BruceCarnegieBrownMember', window );">Bruce Carnegie Brown | Attendance Fees And Commissions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_RamiroMatoGarcaAnsorenaMember', window );">Ramiro Mato</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed', window );">Fixed</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable - immediate payment in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable - immediate payment in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits', window );">Deferred variable in cash</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits', window );">Deferred variable in instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermAndDeferred', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits', window );">Pension contribution</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits', window );">Other remuneration</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationEmployeeBenefits', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">271<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_RamiroMatoGarcaAnsorenaMember', window );">Ramiro Mato | Attendance Fees And Commissions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Board of directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">1,857<span></span>
</td>
<td class="nump">1,791<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Board of directors | Ana Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Board of directors | H&#233;ctor Grisi</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Board of directors | Jos&#233; Antonio &#193;lvarez</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">132<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelDirectorsCompensationReceivedLifeAndHealthInsuranceContribution', window );">Compensation received , life and health insurance contribution</a></td>
<td class="nump">678<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelDirectorsCompensationReceivedWaivingDeathAndDisabilityPolicy', window );">Compensation received for having waived the death and disability policy</a></td>
<td class="nump">12<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Board of directors | Glenn Hutchins</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">412<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Board of directors | Homaira Akbari</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Board of directors | Javier Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Board of directors | Sol Daurella</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Board of directors | Henrique de Castro</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Board of directors | Gina D&#237;ez</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Board of directors | Luis Isasi</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Board of directors | Luis Isasi | Santander Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary', window );">Compensation received as representative from subsidiary</a></td>
<td class="nump">1,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Board of directors | Bel&#233;n Romana</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Board of directors | Pamela Walkden</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Board of directors | Germ&#225;n de la Fuente</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Board of directors | Carlos Barrab&#233;s</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Board of directors | Antonio Weiss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Board of directors | Bruce Carnegie Brown</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Board of directors | Ramiro Mato</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveCommittee1Member', window );">Executive committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">875<span></span>
</td>
<td class="nump">933<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveCommittee1Member', window );">Executive committee | Ana Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">175<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveCommittee1Member', window );">Executive committee | H&#233;ctor Grisi</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">175<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveCommittee1Member', window );">Executive committee | Jos&#233; Antonio &#193;lvarez</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">175<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveCommittee1Member', window );">Executive committee | Glenn Hutchins</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveCommittee1Member', window );">Executive committee | Homaira Akbari</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveCommittee1Member', window );">Executive committee | Javier Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveCommittee1Member', window );">Executive committee | Sol Daurella</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveCommittee1Member', window );">Executive committee | Henrique de Castro</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveCommittee1Member', window );">Executive committee | Gina D&#237;ez</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveCommittee1Member', window );">Executive committee | Luis Isasi</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">175<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveCommittee1Member', window );">Executive committee | Bel&#233;n Romana</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">175<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveCommittee1Member', window );">Executive committee | Pamela Walkden</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveCommittee1Member', window );">Executive committee | Carlos Barrab&#233;s</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="nump">306<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AuditCommitteeMember', window );">Audit committee | Ana Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AuditCommitteeMember', window );">Audit committee | H&#233;ctor Grisi</a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AuditCommitteeMember', window );">Audit committee | Jos&#233; Antonio &#193;lvarez</a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AuditCommitteeMember', window );">Audit committee | Glenn Hutchins</a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AuditCommitteeMember', window );">Audit committee | Homaira Akbari</a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">44<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AuditCommitteeMember', window );">Audit committee | Javier Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AuditCommitteeMember', window );">Audit committee | Sol Daurella</a></td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AuditCommitteeMember', window );">Audit committee | Henrique de Castro</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">44<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AuditCommitteeMember', window );">Audit committee | Gina D&#237;ez</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AuditCommitteeMember', window );">Audit committee | Luis Isasi</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
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<td class="text">&#160;<span></span>
</td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AuditCommitteeMember', window );">Audit committee | Bel&#233;n Romana</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">44<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AuditCommitteeMember', window );">Audit committee | Pamela Walkden</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">44<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AuditCommitteeMember', window );">Audit committee | Germ&#225;n de la Fuente</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">116<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AuditCommitteeMember', window );">Audit committee | Carlos Barrab&#233;s</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AuditCommitteeMember', window );">Audit committee | Antonio Weiss</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AuditCommitteeMember', window );">Audit committee | Bruce Carnegie Brown</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AuditCommitteeMember', window );">Audit committee | Ramiro Mato</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">196<span></span>
</td>
<td class="nump">183<span></span>
</td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AppointmentsCommitteeMember', window );">Nomination committee | Ana Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AppointmentsCommitteeMember', window );">Nomination committee | H&#233;ctor Grisi</a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AppointmentsCommitteeMember', window );">Nomination committee | Jos&#233; Antonio &#193;lvarez</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AppointmentsCommitteeMember', window );">Nomination committee | Glenn Hutchins</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">29<span></span>
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<td class="text">&#160;<span></span>
</td>
</tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AppointmentsCommitteeMember', window );">Nomination committee | Homaira Akbari</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AppointmentsCommitteeMember', window );">Nomination committee | Javier Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AppointmentsCommitteeMember', window );">Nomination committee | Sol Daurella</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AppointmentsCommitteeMember', window );">Nomination committee | Henrique de Castro</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AppointmentsCommitteeMember', window );">Nomination committee | Gina D&#237;ez</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AppointmentsCommitteeMember', window );">Nomination committee | Luis Isasi</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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</td>
<td class="text">&#160;<span></span>
</td>
</tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AppointmentsCommitteeMember', window );">Nomination committee | Bel&#233;n Romana</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">80<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AppointmentsCommitteeMember', window );">Nomination committee | Pamela Walkden</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AppointmentsCommitteeMember', window );">Nomination committee | Germ&#225;n de la Fuente</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AppointmentsCommitteeMember', window );">Nomination committee | Carlos Barrab&#233;s</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AppointmentsCommitteeMember', window );">Nomination committee | Antonio Weiss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AppointmentsCommitteeMember', window );">Nomination committee | Bruce Carnegie Brown</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AppointmentsCommitteeMember', window );">Nomination committee | Ramiro Mato</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RemunerationCommitteeMember', window );">Remuneration committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">196<span></span>
</td>
<td class="nump">168<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RemunerationCommitteeMember', window );">Remuneration committee | Ana Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RemunerationCommitteeMember', window );">Remuneration committee | H&#233;ctor Grisi</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RemunerationCommitteeMember', window );">Remuneration committee | Jos&#233; Antonio &#193;lvarez</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RemunerationCommitteeMember', window );">Remuneration committee | Glenn Hutchins</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">80<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RemunerationCommitteeMember', window );">Remuneration committee | Homaira Akbari</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RemunerationCommitteeMember', window );">Remuneration committee | Javier Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RemunerationCommitteeMember', window );">Remuneration committee | Sol Daurella</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RemunerationCommitteeMember', window );">Remuneration committee | Henrique de Castro</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RemunerationCommitteeMember', window );">Remuneration committee | Gina D&#237;ez</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RemunerationCommitteeMember', window );">Remuneration committee | Luis Isasi</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RemunerationCommitteeMember', window );">Remuneration committee | Bel&#233;n Romana</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RemunerationCommitteeMember', window );">Remuneration committee | Pamela Walkden</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RemunerationCommitteeMember', window );">Remuneration committee | Germ&#225;n de la Fuente</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RemunerationCommitteeMember', window );">Remuneration committee | Carlos Barrab&#233;s</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RemunerationCommitteeMember', window );">Remuneration committee | Antonio Weiss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RemunerationCommitteeMember', window );">Remuneration committee | Bruce Carnegie Brown</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RemunerationCommitteeMember', window );">Remuneration committee | Ramiro Mato</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember', window );">Risk supervision, regulation and compliance oversight committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">292<span></span>
</td>
<td class="nump">263<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember', window );">Risk supervision, regulation and compliance oversight committee | Ana Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember', window );">Risk supervision, regulation and compliance oversight committee | H&#233;ctor Grisi</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">44<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember', window );">Risk supervision, regulation and compliance oversight committee | Glenn Hutchins</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember', window );">Risk supervision, regulation and compliance oversight committee | Javier Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember', window );">Risk supervision, regulation and compliance oversight committee | Bel&#233;n Romana</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">44<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember', window );">Risk supervision, regulation and compliance oversight committee | Pamela Walkden</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">116<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember', window );">Risk supervision, regulation and compliance oversight committee | Germ&#225;n de la Fuente</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">44<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember', window );">Risk supervision, regulation and compliance oversight committee | Carlos Barrab&#233;s</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember', window );">Risk supervision, regulation and compliance oversight committee | Antonio Weiss</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember', window );">Risk supervision, regulation and compliance oversight committee | Bruce Carnegie Brown</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_RiskSupervisionRegulationAndComplianceOversightCommitteeMember', window );">Risk supervision, regulation and compliance oversight committee | Ramiro Mato</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ResponsibleBankingSustainabilityAndCultureCommitteeMember', window );">Responsible banking, sustainability and culture committee</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">196<span></span>
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<td class="nump">190<span></span>
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</tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ResponsibleBankingSustainabilityAndCultureCommitteeMember', window );">Responsible banking, sustainability and culture committee | Ana Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ResponsibleBankingSustainabilityAndCultureCommitteeMember', window );">Responsible banking, sustainability and culture committee | H&#233;ctor Grisi</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
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<td class="text">&#160;<span></span>
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</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ResponsibleBankingSustainabilityAndCultureCommitteeMember', window );">Responsible banking, sustainability and culture committee | Jos&#233; Antonio &#193;lvarez</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ResponsibleBankingSustainabilityAndCultureCommitteeMember', window );">Responsible banking, sustainability and culture committee | Glenn Hutchins</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
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<td class="text">&#160;<span></span>
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</tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ResponsibleBankingSustainabilityAndCultureCommitteeMember', window );">Responsible banking, sustainability and culture committee | Homaira Akbari</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ResponsibleBankingSustainabilityAndCultureCommitteeMember', window );">Responsible banking, sustainability and culture committee | Javier Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ResponsibleBankingSustainabilityAndCultureCommitteeMember', window );">Responsible banking, sustainability and culture committee | Sol Daurella</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">80<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ResponsibleBankingSustainabilityAndCultureCommitteeMember', window );">Responsible banking, sustainability and culture committee | Henrique de Castro</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ResponsibleBankingSustainabilityAndCultureCommitteeMember', window );">Responsible banking, sustainability and culture committee | Gina D&#237;ez</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ResponsibleBankingSustainabilityAndCultureCommitteeMember', window );">Responsible banking, sustainability and culture committee | Luis Isasi</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
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<td class="text">&#160;<span></span>
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</tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ResponsibleBankingSustainabilityAndCultureCommitteeMember', window );">Responsible banking, sustainability and culture committee | Bel&#233;n Romana</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ResponsibleBankingSustainabilityAndCultureCommitteeMember', window );">Responsible banking, sustainability and culture committee | Pamela Walkden</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ResponsibleBankingSustainabilityAndCultureCommitteeMember', window );">Responsible banking, sustainability and culture committee | Germ&#225;n de la Fuente</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ResponsibleBankingSustainabilityAndCultureCommitteeMember', window );">Responsible banking, sustainability and culture committee | Carlos Barrab&#233;s</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ResponsibleBankingSustainabilityAndCultureCommitteeMember', window );">Responsible banking, sustainability and culture committee | Antonio Weiss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ResponsibleBankingSustainabilityAndCultureCommitteeMember', window );">Responsible banking, sustainability and culture committee | Bruce Carnegie Brown</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ResponsibleBankingSustainabilityAndCultureCommitteeMember', window );">Responsible banking, sustainability and culture committee | Ramiro Mato</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_InnovationAndTechnologyCommitteeMember', window );">Innovation and technology committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">304<span></span>
</td>
<td class="nump">&#8364; 280<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_InnovationAndTechnologyCommitteeMember', window );">Innovation and technology committee | Ana Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_InnovationAndTechnologyCommitteeMember', window );">Innovation and technology committee | H&#233;ctor Grisi</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_InnovationAndTechnologyCommitteeMember', window );">Innovation and technology committee | Jos&#233; Antonio &#193;lvarez</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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</tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_InnovationAndTechnologyCommitteeMember', window );">Innovation and technology committee | Javier Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<tr class="re">
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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</tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Key management personnel compensation</a></td>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of deferred share-based compensation to key management personnel in the form of short-term employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationEmployeeBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Key Management Personnel Compensation, Employee Benefits</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationEmployeeBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of compensation to key management personnel in the form of other employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationOtherEmployeeBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of variable compensation to key management personnel in the form of share-based payments for short term benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationShortTermAndDeferred">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of compensation to key management personnel in the form of variable cash and share-based payments. Includes both short-term and other long-term employee benefits. Excludes long-term benefits linked to multi-annual objectives.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationShortTermAndDeferred</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of fixed compensation to key management personnel in the form of short-term employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of variable cash compensation to key management personnel in the form of short-term employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of director's compensation received by a related party of the reporting entity from a subsidiary of the reporting entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelDirectorsCompensationReceivedLifeAndHealthInsuranceContribution">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Key Management Personnel Directors Compensation Received, Life And Health Insurance Contribution</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelDirectorsCompensationReceivedLifeAndHealthInsuranceContribution</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelDirectorsCompensationReceivedWaivingDeathAndDisabilityPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Key Management Personnel Directors Compensation Received, Waiving Death And Disability Policy</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelDirectorsCompensationReceivedWaivingDeathAndDisabilityPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TypeOfCompensationAxis=san_AttendanceFeesAndCommissionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TypeOfCompensationAxis=san_AttendanceFeesAndCommissionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_AnaBotinSanzDeSautuolaYOSheaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_AnaBotinSanzDeSautuolaYOSheaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_HectorGrisiMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_HectorGrisiMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_JoseAntonioAlvarezMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_JoseAntonioAlvarezMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_GlennHutchinsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_GlennHutchinsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_HomairaAkbariMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_HomairaAkbariMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_JavierBotinSaenzDeSautuolaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_JavierBotinSaenzDeSautuolaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_SolDaurellaComadranMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_SolDaurellaComadranMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Schedule summarising remuneration related to multi-annual variable objectives, Directors (Details)<br> &#8364; in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;) </div>
<div>variable_remuneration</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
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<td class="text">3 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember', window );">Deferred variable compensation plan linked to multiannual objectives | Chairman and CEO</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits', window );">Variable subject to long-term objectives in cash</a></td>
<td class="nump">&#8364; 1,185<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits', window );">Variable subject to long-term objectives in shares</a></td>
<td class="nump">3,170<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs', window );">Variable subject to long-term objectives in RSUs</a></td>
<td class="nump">386<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationOtherLongtermBenefits', window );">Total</a></td>
<td class="nump">&#8364; 4,742<span></span>
</td>
<td class="nump">&#8364; 3,943<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration', window );">Number of variable long-term employee benefits, deferred remuneration | variable_remuneration</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration', window );">Variable long-term employee benefits, deferred remuneration</a></td>
<td class="nump">&#8364; 6,774<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember', window );">Deferred variable compensation plan linked to multiannual objectives | Chairman and CEO | Ana Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits', window );">Variable subject to long-term objectives in cash</a></td>
<td class="nump">701<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits', window );">Variable subject to long-term objectives in shares</a></td>
<td class="nump">1,893<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs', window );">Variable subject to long-term objectives in RSUs</a></td>
<td class="nump">210<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationOtherLongtermBenefits', window );">Total</a></td>
<td class="nump">2,804<span></span>
</td>
<td class="nump">2,332<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration', window );">Variable long-term employee benefits, deferred remuneration</a></td>
<td class="nump">4,006<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember', window );">Deferred variable compensation plan linked to multiannual objectives | Chairman and CEO | H&#233;ctor Grisi</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits', window );">Variable subject to long-term objectives in cash</a></td>
<td class="nump">484<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits', window );">Variable subject to long-term objectives in shares</a></td>
<td class="nump">1,277<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs', window );">Variable subject to long-term objectives in RSUs</a></td>
<td class="nump">176<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationOtherLongtermBenefits', window );">Total</a></td>
<td class="nump">1,938<span></span>
</td>
<td class="nump">1,611<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration', window );">Variable long-term employee benefits, deferred remuneration</a></td>
<td class="nump">2,768<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember', window );">Deferred variable compensation plan linked to multiannual objectives | Senior Management</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits', window );">Variable subject to long-term objectives in cash</a></td>
<td class="nump">4,521<span></span>
</td>
<td class="nump">3,485<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits', window );">Variable subject to long-term objectives in shares</a></td>
<td class="nump">4,522<span></span>
</td>
<td class="nump">3,486<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationOtherLongtermBenefits', window );">Total</a></td>
<td class="nump">&#8364; 9,043<span></span>
</td>
<td class="nump">&#8364; 6,971<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration', window );">Number of variable long-term employee benefits, deferred remuneration | variable_remuneration</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration', window );">Variable long-term employee benefits, deferred remuneration</a></td>
<td class="nump">&#8364; 12,919<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_KeyManagementPersonnelCompensationOtherLongtermBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 24<br> -IssueDate 2025-01-01<br> -Paragraph 17<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=24&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_17_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_KeyManagementPersonnelCompensationOtherLongtermBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Key Management Personnel Compensation, Number Of Variable Long-Term Employee Benefits, Deferred Remuneration</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationOtherLongTermEmployeeBenefitsConditionsOfContinuedServicePeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The length of time used for determination of fair value of maximum amount of other long-term employee benefits subject to conditions of continued service.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationOtherLongTermEmployeeBenefitsConditionsOfContinuedServicePeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of variable cash-based compensation to key management personnel in the form of other long-term employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Key Management Personnel Compensation, Variable Long-Term Employee Benefits, Deferred Remuneration</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of variable share-based compensation to key management personnel in the form of other long-term employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Key Management Personnel Compensation, Variable Share-Based Long-Term Employee Benefits, RSUs</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_BoardOfDirectorsChairmanAndChiefExecutiveOfficerMember</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_AnaBotinSanzDeSautuolaYOSheaMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_HectorGrisiMember</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Remuneration of the board members as representatives of the Bank (Details) - 12 months ended Dec. 31, 2025<br> &#8364; in Thousands, &#163; in Thousands, $ in Thousands</strong></div></th>
<th class="th"><div>EUR (&#8364;)</div></th>
<th class="th"><div>USD ($)</div></th>
<th class="th"><div>GBP (&#163;)</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_HomairaAkbariMember', window );">Homaira Akbari | Santander Consumer USA Holdings Inc.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary', window );">Compensation received as representative from subsidiary</a></td>
<td class="nump">&#8364; 85<span></span>
</td>
<td class="nump">$ 100<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_HomairaAkbariMember', window );">Homaira Akbari | PagoNxt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary', window );">Compensation received as representative from subsidiary</a></td>
<td class="nump">200<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_HenriqueManuelDrummondBorgesCirneDeCastroMember', window );">Henrique de Castro | PagoNxt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary', window );">Compensation received as representative from subsidiary</a></td>
<td class="nump">200<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_HenriqueManuelDrummondBorgesCirneDeCastroMember', window );">Henrique de Castro | PagoNxt, Nomination Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary', window );">Compensation received as representative from subsidiary</a></td>
<td class="nump">15<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_JoseAntonioAlvarezMember', window );">Jos&#233; Antonio &#193;lvarez</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelDirectorsCompensationReceivedAsStrategicAdviser', window );">Compensation received as strategic adviser</a></td>
<td class="nump">1,750<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_JoseAntonioAlvarezMember', window );">Jos&#233; Antonio &#193;lvarez | PagoNxt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary', window );">Compensation received as representative from subsidiary</a></td>
<td class="nump">200<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_PamelaAnnWalkdenMember', window );">Pamela Walkden | Santander UK PLC and Santander UK Group Holdings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary', window );">Compensation received as representative from subsidiary</a></td>
<td class="nump">115<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#163; 100<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_BelenRomanaGarciaMember', window );">Bel&#233;n Romana | Santander Insurance, S.L.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary', window );">Compensation received as representative from subsidiary</a></td>
<td class="nump">157<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_LuisIsasiFernandezDeBobadillaMember', window );">Luis Isasi | Santander Spain and Banco Santander</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary', window );">Compensation received as representative from subsidiary</a></td>
<td class="nump">&#8364; 1,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelDirectorsCompensationReceivedAsStrategicAdviser">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Key Management Personnel Directors Compensation Received As Strategic Adviser</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelDirectorsCompensationReceivedAsStrategicAdviser</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of director's compensation received by a related party of the reporting entity from a subsidiary of the reporting entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_HomairaAkbariMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_HomairaAkbariMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SeparateManagementEntitiesAxis=san_SantanderConsumerUSAHoldingsIncMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SeparateManagementEntitiesAxis=san_SantanderConsumerUSAHoldingsIncMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SeparateManagementEntitiesAxis=san_PagoNxtMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SeparateManagementEntitiesAxis=san_PagoNxtMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_HenriqueManuelDrummondBorgesCirneDeCastroMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_HenriqueManuelDrummondBorgesCirneDeCastroMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SeparateManagementEntitiesAxis=san_PagoNxtNominationCommitteeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SeparateManagementEntitiesAxis=san_PagoNxtNominationCommitteeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_JoseAntonioAlvarezMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_JoseAntonioAlvarezMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_PamelaAnnWalkdenMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_PamelaAnnWalkdenMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SeparateManagementEntitiesAxis=san_SantanderUKPLCAndSantanderUKGroupHoldingsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SeparateManagementEntitiesAxis=san_SantanderUKPLCAndSantanderUKGroupHoldingsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_BelenRomanaGarciaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_BelenRomanaGarciaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SeparateManagementEntitiesAxis=san_SantanderInsuranceS.L.Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SeparateManagementEntitiesAxis=san_SantanderInsuranceS.L.Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_LuisIsasiFernandezDeBobadillaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_LuisIsasiFernandezDeBobadillaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SeparateManagementEntitiesAxis=san_SantanderSpainAndBancoSantanderMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SeparateManagementEntitiesAxis=san_SantanderSpainAndBancoSantanderMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<FILENAME>R145.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
<title></title>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Post-employment and other long-term benefits (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2025 </div>
<div>variable_remuneration</div>
</th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PeriodForInvestmentInBankSharesFromDateOfTermination', window );">Period for investment in bank shares from date of termination</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitObligationPensionableBaseDeathOrDisabilityPercentage', window );">Pensionable base, expressed as a percent of fixed remuneration</a></td>
<td class="nump">22.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitObligationPensionableBasePercentAverageOfLastThreeVariableRemunerationAmounts', window );">Pensionable base, percent of average last three variable renumeration amounts used in determination</a></td>
<td class="nump">30.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitObligationPensionableBaseNumberOfVariableRemunerationAmounts', window );">Pensionable base, number of variable renumeration amounts used in determination</a></td>
<td class="nump">3<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DefinedBenefitObligationPensionableBaseDeathOrDisabilityPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of fixed remuneration paid out in the event of death or disability of plan participants.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DefinedBenefitObligationPensionableBaseDeathOrDisabilityPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DefinedBenefitObligationPensionableBaseNumberOfVariableRemunerationAmounts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Defined Benefit Obligation, Pensionable Base, Number Of Variable Remuneration Amounts</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DefinedBenefitObligationPensionableBaseNumberOfVariableRemunerationAmounts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DefinedBenefitObligationPensionableBasePercentAverageOfLastThreeVariableRemunerationAmounts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Defined Benefit Obligation, Pensionable Base, Percent Average Of Last Three Variable Remuneration Amounts</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DefinedBenefitObligationPensionableBasePercentAverageOfLastThreeVariableRemunerationAmounts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The period of investment in bank shares from date of termination.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PeriodForInvestmentInBankSharesFromDateOfTermination</td>
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<td>xbrli:durationItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<DOCUMENT>
<TYPE>XML
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Schedule summarising remuneration related to provisions for retirement pensions and supplementary benefits (Details) - Directors - EUR (&#8364;)<br> &#8364; in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProvisionsForEmployeeBenefits', window );">Provisions for employee benefits</a></td>
<td class="nump">&#8364; 2,461<span></span>
</td>
<td class="nump">&#8364; 2,445<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_AnaBotinSanzDeSautuolaYOSheaMember', window );">Ana Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProvisionsForEmployeeBenefits', window );">Provisions for employee benefits</a></td>
<td class="nump">1,341<span></span>
</td>
<td class="nump">1,339<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_HectorGrisiMember', window );">H&#233;ctor Grisi</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProvisionsForEmployeeBenefits', window );">Provisions for employee benefits</a></td>
<td class="nump">&#8364; 1,120<span></span>
</td>
<td class="nump">&#8364; 1,105<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProvisionsForEmployeeBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_e&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProvisionsForEmployeeBenefits</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_AnaBotinSanzDeSautuolaYOSheaMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_HectorGrisiMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_HectorGrisiMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>229
<FILENAME>R147.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Schedule summarising remuneration related to welfare system (Details) - Directors - EUR (&#8364;)<br> &#8364; in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld', window );">Balances held under the welfare system</a></td>
<td class="nump">&#8364; 90,238<span></span>
</td>
<td class="nump">&#8364; 76,356<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_AnaBotinSanzDeSautuolaYOSheaMember', window );">Ana Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld', window );">Balances held under the welfare system</a></td>
<td class="nump">65,027<span></span>
</td>
<td class="nump">54,731<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_HectorGrisiMember', window );">H&#233;ctor Grisi</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld', window );">Balances held under the welfare system</a></td>
<td class="nump">2,033<span></span>
</td>
<td class="nump">1,299<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_JoseAntonioAlvarezMember', window );">Jos&#233; Antonio &#193;lvarez</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld', window );">Balances held under the welfare system</a></td>
<td class="nump">&#8364; 23,178<span></span>
</td>
<td class="nump">&#8364; 20,326<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The balances held by key management personnel in defined contribution plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
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<DOCUMENT>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Schedule summarising remuneration related to life and disability insurance (Details) - Directors - Life Insurance - EUR (&#8364;)<br> &#8364; in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions', window );">Life insurance, amount</a></td>
<td class="nump">&#8364; 43,759<span></span>
</td>
<td class="nump">&#8364; 45,340<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_AnaBotinSanzDeSautuolaYOSheaMember', window );">Ana Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions', window );">Life insurance, amount</a></td>
<td class="nump">20,659<span></span>
</td>
<td class="nump">21,525<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_HectorGrisiMember', window );">H&#233;ctor Grisi</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions', window );">Life insurance, amount</a></td>
<td class="nump">12,600<span></span>
</td>
<td class="nump">12,600<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_TitleOfIndividualAxis=san_JoseAntonioAlvarezMember', window );">Jos&#233; Antonio &#193;lvarez</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions', window );">Life insurance, amount</a></td>
<td class="nump">&#8364; 10,500<span></span>
</td>
<td class="nump">&#8364; 11,215<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of related-party commitments made on behalf of the entity to do something if a particular event occurs or does not occur in the future, including executory contracts (recognised and unrecognised). [Refer: Total for all related parties [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 24<br> -IssueDate 2025-01-01<br> -Paragraph 21<br> -Subparagraph i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=24&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_21_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InsuranceContractsAxis=san_LifeInsuranceMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_HectorGrisiMember</td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_JoseAntonioAlvarezMember</td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>231
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Insurance (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PaymentOfCivilLiabilityInsurancePremium', window );">Disbursed for payment of civil liability insurance premium</a></td>
<td class="nump">&#8364; 8,300,000<span></span>
</td>
<td class="nump">&#8364; 13,500,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_OtherDirectorsMember', window );">Other directors | Life Insurance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions', window );">Life insurance, amount</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of related-party commitments made on behalf of the entity to do something if a particular event occurs or does not occur in the future, including executory contracts (recognised and unrecognised). [Refer: Total for all related parties [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 24<br> -IssueDate 2025-01-01<br> -Paragraph 21<br> -Subparagraph i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=24&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_21_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for payment of civil liability insurance premium.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PaymentOfCivilLiabilityInsurancePremium</td>
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<td>xbrli:monetaryItemType</td>
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<td>credit</td>
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<td>duration</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_OtherDirectorsMember</td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InsuranceContractsAxis=san_LifeInsuranceMember</td>
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<td><strong> Balance Type:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Deferred variable remuneration systems (Details)<br> &#8364; / shares in Units, &#8364; in Thousands</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Nov. 25, 2025 </div>
<div>EUR (&#8364;) </div>
<div>trading_session</div>
</th>
<th class="th">
<div>Nov. 24, 2025 </div>
<div>trading_session</div>
</th>
<th class="th">
<div>Feb. 03, 2025 </div>
<div>trading_session</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;) </div>
<div>shares </div>
<div>Payment </div>
<div>annuity </div>
<div>trading_session </div>
<div>credit_institution </div>
<div>metric </div>
<div>&#8364; / shares</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">60.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentNumberOfAnnuities', window );">Deferred payment, number of annuities | annuity</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationMaximumAchievementRatio', window );">Maximum achievement ratio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">125.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration', window );">Cash paid, deferred</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 2,940<span></span>
</td>
<td class="nump">&#8364; 3,228<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Ana Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration', window );">Cash paid, deferred</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,759<span></span>
</td>
<td class="nump">1,419<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | H&#233;ctor Grisi</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration', window );">Cash paid, deferred</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">366<span></span>
</td>
<td class="nump">863<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_DirectorsRetiredMember', window );">Retired executive directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration', window );">Cash paid, deferred</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 724<span></span>
</td>
<td class="nump">&#8364; 650<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember', window );">Deferred variable compensation plan linked to multiannual objectives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">60.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentRoTEObjectiveWeight', window );">Deferred payment, ROE objective, weight</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">30.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentTSRObjectiveNumberOfPeerCreditInstitutions', window );">Deferred payment, TSR objective, number of peer credit institutions | credit_institution</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentTSRObjectiveWeight', window );">Deferred payment, TSR objective, weight</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">50.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveNumberOfMetrics', window );">Deferred payment, sustainability objective, number of metrics | metric</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight', window );">Deferred payment, sustainability objective, weight</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">20.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentNumberOfAnnuities', window );">Deferred payment, number of annuities | annuity</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentShortTermNumberOfDeferrals', window );">Deferred payment, short term, number of deferrals | Payment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInCash', window );">Deferred payment, short term, percentage paid in cash</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">50.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInShares', window );">Deferred payment, short term, percentage paid in shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">50.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentLongTermNumberOfDeferrals', window );">Deferred payment, long term, number of deferrals | Payment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInCash', window );">Deferred payment, long term, percentage paid in cash</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">25.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInShares', window );">Deferred payment, long term, percentage paid in shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">75.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions', window );">Number of trading sessions | trading_session</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">15<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember', window );">Deferred variable compensation plan linked to multiannual objectives | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember', window );">Deferred variable compensation plan linked to multiannual objectives | Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">60.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBasedCompensationArrangementMaximumAuthorizedAmount', window );">Share-based compensation arrangement, maximum authorized Amount</a></td>
<td class="nump">&#8364; 11,500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions', window );">Number of trading sessions | trading_session</a></td>
<td class="nump">30<span></span>
</td>
<td class="nump">50<span></span>
</td>
<td class="nump">30<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019', window );">Weighted average exercise price of share options outstanding in share-based payment arrangement | &#8364; / shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 10.261<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember', window );">Deferred variable compensation plan linked to multiannual objectives | Directors | PagoNxt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019', window );">Weighted average exercise price of share options outstanding in share-based payment arrangement | &#8364; / shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 61.07<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2022Member', window );">2022 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentRoTEObjectiveWeight', window );">Deferred payment, ROE objective, weight</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">40.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentTSRObjectiveWeight', window );">Deferred payment, TSR objective, weight</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">40.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight', window );">Deferred payment, sustainability objective, weight</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">20.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2022Member', window );">2022 variable remuneration | Directors | Maximum | Ana Bot&#237;n | PagoNxt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfInstrumentsOtherEquityInstrumentsGranted', window );">RSU granted (in shares) | shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9,415<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2022Member', window );">2022 variable remuneration | Directors | Maximum | H&#233;ctor Grisi | PagoNxt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfInstrumentsOtherEquityInstrumentsGranted', window );">RSU granted (in shares) | shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,909<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NumberOfInstrumentsOtherEquityInstrumentsGranted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of other equity instruments (ie other than share options) granted in a share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IFRS<br> -Number 2<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=2&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 2<br> -IssueDate 2025-01-01<br> -Paragraph 47<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=2&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_47_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NumberOfInstrumentsOtherEquityInstrumentsGranted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The weighted average exercise price of share options outstanding in a share-based payment arrangement. [Refer: Weighted average [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 2<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=2&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 2<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -Subparagraph b<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=2&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45_b_vi&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b_vi&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b_vi&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of Key Management Personnel Compensation Cash Payment, deferred Remuneration</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ShareBasedCompensationArrangementMaximumAuthorizedAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Share-Based Compensation Arrangement, Maximum Authorized Amount</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ShareBasedCompensationArrangementMaximumAuthorizedAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferralPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The deferral period to pay variable remuneration or bonus.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferralPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentLongTermNumberOfDeferrals">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, Long Term, Number Of Deferrals</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentLongTermNumberOfDeferrals</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInCash">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, Long Term, Percentage Paid In Cash</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInCash</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, Long Term, Percentage Paid In Shares</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentLongTermPercentagePaidInShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentNumberOfAnnuities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, Number Of Annuities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentNumberOfAnnuities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentRoTEObjectiveWeight">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, RoTE Objective, Weight</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentRoTEObjectiveWeight</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentShortTermNumberOfDeferrals">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, Short Term, Number Of Deferrals</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentShortTermNumberOfDeferrals</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInCash">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, Short Term, Percentage Paid In Cash</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInCash</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, Short Term, Percentage Paid In Shares</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentShortTermPercentagePaidInShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveNumberOfMetrics">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, Sustainability Objective, Number Of Metrics</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentSustainabilityObjectiveNumberOfMetrics</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, Sustainability Objective, Weight</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentTSRObjectiveNumberOfPeerCreditInstitutions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, TSR Objective, Number Of Peer Credit Institutions</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentTSRObjectiveNumberOfPeerCreditInstitutions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentTSRObjectiveWeight">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, TSR Objective, Weight</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentTSRObjectiveWeight</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of variable remuneration with deferred payment during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationMaximumAchievementRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Maximum Achievement Ratio</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationMaximumAchievementRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of trading sessions used in calculation of volume-weighted average share prices.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_AnaBotinSanzDeSautuolaYOSheaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_AnaBotinSanzDeSautuolaYOSheaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_HectorGrisiMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_HectorGrisiMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_DirectorsRetiredMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_DirectorsRetiredMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SeparateManagementEntitiesAxis=san_PagoNxtMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SeparateManagementEntitiesAxis=san_PagoNxtMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2022Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2022Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>233
<FILENAME>R151.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Schedule summarising shares assigned for deferred variable remuneration plans (Details)<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>payments </div>
<div>shares</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>shares</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">40.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2020Member', window );">2020 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage', window );">Long-term metric achievement percentage</a></td>
<td class="nump">83.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentCET1ObjectiveResult', window );">CET objective, result</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentCET1ObjectiveTarget', window );">CET objective, target</a></td>
<td class="nump">12.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentIndividualObjectivesWeight', window );">Individual objectives, weight</a></td>
<td class="nump">33.30%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentBPAGrowthResult', window );">BPA growth objective, result</a></td>
<td class="nump">150.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentBPAGrowthTarget', window );">BPA growth objective, target</a></td>
<td class="nump">10.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentTSRMinimumMetricResult', window );">TSR minimum metric, result</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentTSRMinimumMetricTarget', window );">TSR minimum metric, target</a></td>
<td class="nump">33.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2021Member', window );">2021 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage', window );">Long-term metric achievement percentage</a></td>
<td class="nump">91.60%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentCET1ObjectiveResult', window );">CET objective, result</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentCET1ObjectiveTarget', window );">CET objective, target</a></td>
<td class="nump">12.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentIndividualObjectivesWeight', window );">Individual objectives, weight</a></td>
<td class="nump">33.30%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentBPAGrowthResult', window );">BPA growth objective, result</a></td>
<td class="nump">150.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentBPAGrowthTarget', window );">BPA growth objective, target</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentTSRMinimumMetricResult', window );">TSR minimum metric, result</a></td>
<td class="nump">25.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentTSRMinimumMetricTarget', window );">TSR minimum metric, target</a></td>
<td class="nump">33.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentTSRMaximumMetricTarget', window );">TSR maximum metric, target</a></td>
<td class="nump">66.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2022Member', window );">2022 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage', window );">Long-term metric achievement percentage</a></td>
<td class="nump">115.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentRoTEObjectiveResult', window );">RoTE objective, result</a></td>
<td class="nump">150.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentRoTEObjectiveWeight', window );">Deferred payment, ROE objective, weight</a></td>
<td class="nump">40.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentRelativeTSRMetricAchievementRate', window );">Relative TSR metric, achievement rate</a></td>
<td class="nump">83.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentTSRObjectiveWeight', window );">Deferred payment, TSR objective, weight</a></td>
<td class="nump">40.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentSustainabilityMetricAchievementRate', window );">Sustainability metric, achievement rate</a></td>
<td class="nump">25.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight', window );">Deferred payment, sustainability objective, weight</a></td>
<td class="nump">20.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember', window );">Deferred variable compensation plan linked to multiannual objectives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentRoTEObjectiveWeight', window );">Deferred payment, ROE objective, weight</a></td>
<td class="nump">30.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentTSRObjectiveWeight', window );">Deferred payment, TSR objective, weight</a></td>
<td class="nump">50.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight', window );">Deferred payment, sustainability objective, weight</a></td>
<td class="nump">20.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Deferred variable compensation plan linked to multiannual objectives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | 2019 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Shares delivered (deferred payment variable remuneration) (in shares)</a></td>
<td class="num">(59,145)<span></span>
</td>
<td class="num">(59,145)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | 2020 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Shares delivered (deferred payment variable remuneration) (in shares)</a></td>
<td class="num">(47,914)<span></span>
</td>
<td class="num">(47,914)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | 2021 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesMaturedButNotConsolidatedInShareBasedPaymentArrangement', window );">Instruments matured but not consolidated at beginning of period (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(74,992)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Shares delivered (deferred payment variable remuneration) (in shares)</a></td>
<td class="num">(272,588)<span></span>
</td>
<td class="num">(297,586)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | 2022 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Shares delivered (deferred payment variable remuneration) (in shares)</a></td>
<td class="num">(104,413)<span></span>
</td>
<td class="num">(104,413)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | 2023 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate', window );">Shares delivered (immediate payment variable remuneration) (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(790,931)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Shares delivered (deferred payment variable remuneration) (in shares)</a></td>
<td class="num">(188,768)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | 2024 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate', window );">Shares delivered (immediate payment variable remuneration) (in shares)</a></td>
<td class="num">(683,927)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Deferred variable compensation plan linked to multiannual objectives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">40.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredBonusNumberOfPaymentsSubjectToSpecificObjectives', window );">Number of payments subject to fulfilment of specific objectives | payments</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Ana Bot&#237;n | 2019 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Shares delivered (deferred payment variable remuneration) (in shares)</a></td>
<td class="num">(35,452)<span></span>
</td>
<td class="num">(35,452)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Ana Bot&#237;n | 2020 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Shares delivered (deferred payment variable remuneration) (in shares)</a></td>
<td class="num">(31,049)<span></span>
</td>
<td class="num">(31,049)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Ana Bot&#237;n | 2021 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesMaturedButNotConsolidatedInShareBasedPaymentArrangement', window );">Instruments matured but not consolidated at beginning of period (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(44,774)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Shares delivered (deferred payment variable remuneration) (in shares)</a></td>
<td class="num">(162,750)<span></span>
</td>
<td class="num">(177,675)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Ana Bot&#237;n | 2022 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Shares delivered (deferred payment variable remuneration) (in shares)</a></td>
<td class="num">(62,334)<span></span>
</td>
<td class="num">(62,334)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Ana Bot&#237;n | 2023 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate', window );">Shares delivered (immediate payment variable remuneration) (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(469,286)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Shares delivered (deferred payment variable remuneration) (in shares)</a></td>
<td class="num">(114,421)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Ana Bot&#237;n | 2024 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate', window );">Shares delivered (immediate payment variable remuneration) (in shares)</a></td>
<td class="num">(404,447)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Jos&#233; Antonio &#193;lvarez | 2019 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Shares delivered (deferred payment variable remuneration) (in shares)</a></td>
<td class="num">(23,693)<span></span>
</td>
<td class="num">(23,693)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Jos&#233; Antonio &#193;lvarez | 2020 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Shares delivered (deferred payment variable remuneration) (in shares)</a></td>
<td class="num">(16,865)<span></span>
</td>
<td class="num">(16,865)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Jos&#233; Antonio &#193;lvarez | 2021 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesMaturedButNotConsolidatedInShareBasedPaymentArrangement', window );">Instruments matured but not consolidated at beginning of period (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(30,218)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Shares delivered (deferred payment variable remuneration) (in shares)</a></td>
<td class="num">(109,838)<span></span>
</td>
<td class="num">(119,911)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Jos&#233; Antonio &#193;lvarez | 2022 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Shares delivered (deferred payment variable remuneration) (in shares)</a></td>
<td class="num">(42,079)<span></span>
</td>
<td class="num">(42,079)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | H&#233;ctor Grisi | 2023 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate', window );">Shares delivered (immediate payment variable remuneration) (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(321,645)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Shares delivered (deferred payment variable remuneration) (in shares)</a></td>
<td class="num">(74,347)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | H&#233;ctor Grisi | 2024 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate', window );">Shares delivered (immediate payment variable remuneration) (in shares)</a></td>
<td class="num">(279,480)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | 2019 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at beginning of period (in shares)</a></td>
<td class="nump">59,145<span></span>
</td>
<td class="nump">118,290<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">59,145<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | 2020 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at beginning of period (in shares)</a></td>
<td class="nump">95,826<span></span>
</td>
<td class="nump">143,740<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="nump">47,912<span></span>
</td>
<td class="nump">95,826<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | 2021 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at beginning of period (in shares)</a></td>
<td class="nump">892,756<span></span>
</td>
<td class="nump">1,190,342<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="nump">545,176<span></span>
</td>
<td class="nump">892,756<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | 2022 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at beginning of period (in shares)</a></td>
<td class="nump">495,961<span></span>
</td>
<td class="nump">600,374<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="nump">391,548<span></span>
</td>
<td class="nump">495,961<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | 2023 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at beginning of period (in shares)</a></td>
<td class="nump">1,085,421<span></span>
</td>
<td class="nump">1,876,352<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="nump">896,653<span></span>
</td>
<td class="nump">1,085,421<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | 2024 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at beginning of period (in shares)</a></td>
<td class="nump">1,632,496<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="nump">948,569<span></span>
</td>
<td class="nump">1,632,496<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | 2025 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="nump">1,010,904<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | Ana Bot&#237;n | 2019 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at beginning of period (in shares)</a></td>
<td class="nump">35,452<span></span>
</td>
<td class="nump">70,905<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">35,452<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | Ana Bot&#237;n | 2020 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at beginning of period (in shares)</a></td>
<td class="nump">62,097<span></span>
</td>
<td class="nump">93,146<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="nump">31,048<span></span>
</td>
<td class="nump">62,097<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | Ana Bot&#237;n | 2021 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at beginning of period (in shares)</a></td>
<td class="nump">533,023<span></span>
</td>
<td class="nump">710,698<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="nump">325,499<span></span>
</td>
<td class="nump">533,023<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | Ana Bot&#237;n | 2022 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at beginning of period (in shares)</a></td>
<td class="nump">296,085<span></span>
</td>
<td class="nump">358,419<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="nump">233,751<span></span>
</td>
<td class="nump">296,085<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | Ana Bot&#237;n | 2023 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at beginning of period (in shares)</a></td>
<td class="nump">657,923<span></span>
</td>
<td class="nump">1,127,209<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="nump">543,502<span></span>
</td>
<td class="nump">657,923<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | Ana Bot&#237;n | 2024 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at beginning of period (in shares)</a></td>
<td class="nump">976,463<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="nump">572,016<span></span>
</td>
<td class="nump">976,463<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | Ana Bot&#237;n | 2025 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="nump">602,746<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | Jos&#233; Antonio &#193;lvarez | 2019 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at beginning of period (in shares)</a></td>
<td class="nump">23,693<span></span>
</td>
<td class="nump">47,386<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">23,693<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | Jos&#233; Antonio &#193;lvarez | 2020 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at beginning of period (in shares)</a></td>
<td class="nump">33,729<span></span>
</td>
<td class="nump">50,594<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="nump">16,864<span></span>
</td>
<td class="nump">33,729<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | Jos&#233; Antonio &#193;lvarez | 2021 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at beginning of period (in shares)</a></td>
<td class="nump">359,733<span></span>
</td>
<td class="nump">479,644<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="nump">219,677<span></span>
</td>
<td class="nump">359,733<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | Jos&#233; Antonio &#193;lvarez | 2022 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at beginning of period (in shares)</a></td>
<td class="nump">199,875<span></span>
</td>
<td class="nump">241,954<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="nump">157,796<span></span>
</td>
<td class="nump">199,875<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | H&#233;ctor Grisi | 2023 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at beginning of period (in shares)</a></td>
<td class="nump">427,498<span></span>
</td>
<td class="nump">749,143<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="nump">353,151<span></span>
</td>
<td class="nump">427,498<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | H&#233;ctor Grisi | 2024 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at beginning of period (in shares)</a></td>
<td class="nump">656,033<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="nump">376,553<span></span>
</td>
<td class="nump">656,033<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Maximum | H&#233;ctor Grisi | 2025 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement', window );">Maximum number of shares to be delivered at end of period (in shares)</a></td>
<td class="nump">408,159<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of share to be delivered in a share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfSharesEarnedInShareBasedPaymentArrangement</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of shares earned for a deferred variable share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of shares earned in a share-based payment arrangement not subject to multiannual objectives.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfSharesEarnedInShareBasedPaymentArrangementImmediate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfSharesMaturedButNotConsolidatedInShareBasedPaymentArrangement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number Of Shares Matured But Not Consolidated In Share-Based Payment Arrangement</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfSharesMaturedButNotConsolidatedInShareBasedPaymentArrangement</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferralPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The deferral period to pay variable remuneration or bonus.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferralPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredBonusNumberOfPaymentsSubjectToSpecificObjectives">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of payments subject to fulfilment of specific objectives.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredBonusNumberOfPaymentsSubjectToSpecificObjectives</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentBPAGrowthResult">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, BPA Growth, Result</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentBPAGrowthResult</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentBPAGrowthTarget">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, BPA Growth, Target</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentBPAGrowthTarget</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentCET1ObjectiveResult">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, CET1 Objective, Result</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentCET1ObjectiveResult</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentCET1ObjectiveTarget">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, CET1 Objective, Target</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentCET1ObjectiveTarget</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentIndividualObjectivesWeight">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, Individual Objectives Weight</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentIndividualObjectivesWeight</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, Long-Term Metric Achievement, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentRelativeTSRMetricAchievementRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, Relative TSR Metric, Achievement Rate</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentRelativeTSRMetricAchievementRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentRoTEObjectiveResult">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, RoTE Objective, Result</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentRoTEObjectiveResult</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentRoTEObjectiveWeight">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, RoTE Objective, Weight</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentRoTEObjectiveWeight</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentSustainabilityMetricAchievementRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, Sustainability Metric, Achievement Rate</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentSustainabilityMetricAchievementRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, Sustainability Objective, Weight</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentTSRMaximumMetricTarget">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, TSR Maximum Metric, Target</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentTSRMaximumMetricTarget</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentTSRMinimumMetricResult">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, TSR Minimum Metric, Result</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentTSRMinimumMetricResult</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentTSRMinimumMetricTarget">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, TSR Minimum Metric, Target</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentTSRMinimumMetricTarget</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentTSRObjectiveWeight">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, TSR Objective, Weight</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentTSRObjectiveWeight</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of variable remuneration with deferred payment during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationImmediatePaymentPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of variable remuneration with immediate payment during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationImmediatePaymentPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2020Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2020Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2021Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2021Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2022Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2022Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2019Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2019Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2023Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2023Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2024Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2024Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_AnaBotinSanzDeSautuolaYOSheaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_AnaBotinSanzDeSautuolaYOSheaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_JoseAntonioAlvarezMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_JoseAntonioAlvarezMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Schedule summarising the cash paid for awards (Details) - Directors - EUR (&#8364;)<br> &#8364; in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DirectorRemunerationAbstract', window );"><strong>Remuneration of key personnel</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration', window );">Cash paid, immediate</a></td>
<td class="nump">&#8364; 3,130<span></span>
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<td class="nump">&#8364; 3,000<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration', window );">Cash paid, deferred</a></td>
<td class="nump">2,940<span></span>
</td>
<td class="nump">3,228<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Ana Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DirectorRemunerationAbstract', window );"><strong>Remuneration of key personnel</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration', window );">Cash paid, immediate</a></td>
<td class="nump">1,851<span></span>
</td>
<td class="nump">1,780<span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration', window );">Cash paid, deferred</a></td>
<td class="nump">1,759<span></span>
</td>
<td class="nump">1,419<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">H&#233;ctor Grisi</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DirectorRemunerationAbstract', window );"><strong>Remuneration of key personnel</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration', window );">Cash paid, immediate</a></td>
<td class="nump">1,279<span></span>
</td>
<td class="nump">1,220<span></span>
</td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration', window );">Cash paid, deferred</a></td>
<td class="nump">366<span></span>
</td>
<td class="nump">863<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Jos&#233; Antonio &#193;lvarez</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DirectorRemunerationAbstract', window );"><strong>Remuneration of key personnel</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration', window );">Cash paid, immediate</a></td>
<td class="nump">0<span></span>
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<td class="nump">0<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration', window );">Cash paid, deferred</a></td>
<td class="nump">&#8364; 815<span></span>
</td>
<td class="nump">&#8364; 945<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of Key Management Personnel Compensation Cash Payment, deferred Remuneration</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of Key Management Personnel Compensation Cash Payment Immediate Remuneration.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<TYPE>XML
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<FILENAME>R153.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Schedule summarising maximum number of shares to be delivered and actual number of shares delivered, former Directors (Details) - Retired executive directors - shares<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_DirectorsRetiredMember', window );">Deferred conditional variable remuneration plan and linked to objectives (2018)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Number of shares delivered (in shares)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">29,860<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_DirectorsRetiredMember', window );">Deferred conditional variable remuneration plan and linked to objectives (2019)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Number of shares delivered (in shares)</a></td>
<td class="nump">24,490<span></span>
</td>
<td class="nump">24,490<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_DirectorsRetiredMember', window );">Deferred conditional variable remuneration plan and linked to objectives (2019) | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable', window );">Maximum number of shares to be delivered (in shares)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">24,490<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_DirectorsRetiredMember', window );">Deferred conditional variable remuneration plan and linked to objectives (2020)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Number of shares delivered (in shares)</a></td>
<td class="nump">35,512<span></span>
</td>
<td class="nump">35,512<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_DirectorsRetiredMember', window );">Deferred conditional variable remuneration plan and linked to objectives (2020) | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable', window );">Maximum number of shares to be delivered (in shares)</a></td>
<td class="nump">35,511<span></span>
</td>
<td class="nump">71,024<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_DirectorsRetiredMember', window );">Deferred conditional variable remuneration plan and linked to objectives (2021)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Number of shares delivered (in shares)</a></td>
<td class="nump">68,700<span></span>
</td>
<td class="nump">12,911<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_DirectorsRetiredMember', window );">Deferred conditional variable remuneration plan and linked to objectives (2021) | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable', window );">Maximum number of shares to be delivered (in shares)</a></td>
<td class="nump">137,400<span></span>
</td>
<td class="nump">206,100<span></span>
</td>
</tr>
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<div style="display: none;">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:stringItemType</td>
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<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Maximum Number Of Share Options To Be Delivered In Share-Based Payment Arrangement, Deferred Variable</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:sharesItemType</td>
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<td>na</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of shares earned for a deferred variable share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Name:</strong></td>
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember</td>
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<td><strong> Period Type:</strong></td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2020Member</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Schedule of direct risk exposure to bank's directors and the guarantees provided (Details) - EUR (&#8364;)<br> &#8364; in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_LoanCommitmentsMember', window );">Loans and credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">&#8364; 321,234,000<span></span>
</td>
<td class="nump">&#8364; 302,861,000<span></span>
</td>
<td class="nump">&#8364; 279,589,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_FinancialGuaranteeContractsMember', window );">Guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">17,449,000<span></span>
</td>
<td class="nump">16,901,000<span></span>
</td>
<td class="nump">&#8364; 15,435,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">140<span></span>
</td>
<td class="nump">143<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Loans and credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">140<span></span>
</td>
<td class="nump">143<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Ana Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Ana Bot&#237;n | Loans and credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Ana Bot&#237;n | Guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | H&#233;ctor Grisi</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | H&#233;ctor Grisi | Loans and credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | H&#233;ctor Grisi | Guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Jos&#233; Antonio &#193;lvarez</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Jos&#233; Antonio &#193;lvarez | Loans and credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Jos&#233; Antonio &#193;lvarez | Guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Glenn Hutchins</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Glenn Hutchins | Loans and credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Glenn Hutchins | Guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Antonio Weiss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Antonio Weiss | Loans and credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Antonio Weiss | Guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Bel&#233;n Romana</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Bel&#233;n Romana | Loans and credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Bel&#233;n Romana | Guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Bruce Carnegie Brown</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Bruce Carnegie Brown | Loans and credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Bruce Carnegie Brown | Guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Germ&#225;n de la Fuente</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Germ&#225;n de la Fuente | Loans and credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Germ&#225;n de la Fuente | Guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Gina D&#237;ez</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Gina D&#237;ez | Loans and credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Gina D&#237;ez | Guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Henrique de Castro</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Henrique de Castro | Loans and credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Henrique de Castro | Guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Homaira Akbari</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Homaira Akbari | Loans and credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Homaira Akbari | Guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Javier Bot&#237;n</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Javier Bot&#237;n | Loans and credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Javier Bot&#237;n | Guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Carlos Barrab&#233;s</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">137<span></span>
</td>
<td class="nump">138<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Carlos Barrab&#233;s | Loans and credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">137<span></span>
</td>
<td class="nump">138<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Carlos Barrab&#233;s | Guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Luis Isasi</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Luis Isasi | Loans and credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Luis Isasi | Guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Pamela Walkden</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Pamela Walkden | Loans and credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Pamela Walkden | Guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Ramiro Mato</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Ramiro Mato | Loans and credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Ramiro Mato | Guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Sol Daurella</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Sol Daurella | Loans and credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Directors | Sol Daurella | Guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan and credits and guarantees</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of the exposure to credit risk on loan commitments and financial guarantee contracts. [Refer: Loan commitments [member]; Financial guarantee contracts [member]; Credit risk [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_LoanCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_LoanCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_FinancialGuaranteeContractsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_FinancialGuaranteeContractsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_AnaBotinSanzDeSautuolaYOSheaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_AnaBotinSanzDeSautuolaYOSheaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_HectorGrisiMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_HectorGrisiMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_JoseAntonioAlvarezMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_JoseAntonioAlvarezMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_GlennHutchinsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_GlennHutchinsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_AntonioFrancescoWeissMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_AntonioFrancescoWeissMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_BelenRomanaGarciaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_BelenRomanaGarciaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_BruceCarnegieBrownMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_BruceCarnegieBrownMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_GermanDeLaFuenteEscamillaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_GermanDeLaFuenteEscamillaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_GinaLorenzaDiezBarrosoAracarragaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_GinaLorenzaDiezBarrosoAracarragaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_HenriqueManuelDrummondBorgesCirneDeCastroMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_HenriqueManuelDrummondBorgesCirneDeCastroMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_HomairaAkbariMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_HomairaAkbariMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_TitleOfIndividualAxis=san_JavierBotinSaenzDeSautuolaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<td style="white-space:nowrap;">srt_TitleOfIndividualAxis=san_JuanCarlosBarrabesConsulMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Schedule summarising short-term remuneration (excluding remuneration subject to long-term objectives), Senior management (Details)<br> &#8364; in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;) </div>
<div>employee </div>
<div>shares </div>
<div>people</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;) </div>
<div>employee </div>
<div>people </div>
<div>shares</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>employee</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfEmployees', window );">Number&#160;of persons | employee</a></td>
<td class="nump">198,403<span></span>
</td>
<td class="nump">206,753<span></span>
</td>
<td class="nump">212,764<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed', window );">Fixed</a></td>
<td class="nump">&#8364; 6,585<span></span>
</td>
<td class="nump">&#8364; 6,585<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable remuneration in cash</a></td>
<td class="nump">3,387<span></span>
</td>
<td class="nump">3,130<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable remuneration in shares</a></td>
<td class="nump">3,387<span></span>
</td>
<td class="nump">3,130<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits', window );">Pension contribution</a></td>
<td class="nump">2,461<span></span>
</td>
<td class="nump">2,444<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits', window );">Other remuneration</a></td>
<td class="nump">5,001<span></span>
</td>
<td class="nump">5,815<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationEmployeeBenefits', window );">Total</a></td>
<td class="nump">&#8364; 29,462<span></span>
</td>
<td class="nump">&#8364; 30,214<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Senior Management</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfEmployees', window );">Number&#160;of persons | people</a></td>
<td class="nump">15<span></span>
</td>
<td class="nump">14<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed', window );">Fixed</a></td>
<td class="nump">&#8364; 19,255<span></span>
</td>
<td class="nump">&#8364; 16,466<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits', window );">Pension contribution</a></td>
<td class="nump">4,910<span></span>
</td>
<td class="nump">4,520<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits', window );">Other remuneration</a></td>
<td class="nump">6,456<span></span>
</td>
<td class="nump">7,153<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationEmployeeBenefits', window );">Total</a></td>
<td class="nump">&#8364; 57,592<span></span>
</td>
<td class="nump">&#8364; 49,531<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement', window );">Award, number of shares (in shares) | shares</a></td>
<td class="nump">894,587<span></span>
</td>
<td class="nump">1,611,965<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationNotLinkedToLongTermObjectivesShares', window );">Deferred amount in shares not linked to long-term objectives (in shares) | shares</a></td>
<td class="nump">416,410<span></span>
</td>
<td class="nump">725,399<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Senior Management | Variable remuneration (bonus) - Immediate payment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable remuneration in cash</a></td>
<td class="nump">&#8364; 9,179<span></span>
</td>
<td class="nump">&#8364; 7,376<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable remuneration in shares</a></td>
<td class="nump">9,180<span></span>
</td>
<td class="nump">7,377<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Senior Management | Deferred variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation', window );">Variable remuneration in cash</a></td>
<td class="nump">4,306<span></span>
</td>
<td class="nump">3,319<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments', window );">Variable remuneration in shares</a></td>
<td class="nump">&#8364; 4,306<span></span>
</td>
<td class="nump">&#8364; 3,320<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 24<br> -IssueDate 2025-01-01<br> -Paragraph 17<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=24&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_17_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_KeyManagementPersonnelCompensationPostemploymentBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NumberOfEmployees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of personnel employed by the entity at a date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NumberOfEmployees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of instruments granted in share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 2<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=2&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 2<br> -IssueDate 2025-01-01<br> -Paragraph IG23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=2&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_IG23&amp;doctype=Implementation%20Guidance<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationEmployeeBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Key Management Personnel Compensation, Employee Benefits</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationEmployeeBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationNotLinkedToLongTermObjectivesShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Key Management Personnel Compensation, Long Term And Deferred Compensation, Not Linked To Long-Term Objectives Shares</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationNotLinkedToLongTermObjectivesShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationOtherEmployeeBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of compensation to key management personnel in the form of other employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationOtherEmployeeBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of variable compensation to key management personnel in the form of share-based payments for short term benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of fixed compensation to key management personnel in the form of short-term employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of variable cash compensation to key management personnel in the form of short-term employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_LongTermIncentivePlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_LongTermIncentivePlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<head>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Senior Management (Details) - EUR (&#8364;)<br> &#8364; in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans', window );">Post-employment benefit expense in profit or loss, defined benefit plans</a></td>
<td class="nump">&#8364; 41,000<span></span>
</td>
<td class="nump">&#8364; 45,000<span></span>
</td>
<td class="nump">&#8364; 42,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Senior Management</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationBuyoutsAndSignOnAwards', window );">Key management personnel compensation, buyouts and sign-on awards</a></td>
<td class="nump">&#8364; 4,118<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RatioOfVariableToFixedPayComponents', window );">Ratio of variable to fixed pay components</a></td>
<td class="nump">134.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAssetHoldingPeriod', window );">Holding period for shares issued in settlement of pension obligations</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsOfBenefitPlan', window );">Pension system balance</a></td>
<td class="nump">&#8364; 51,000<span></span>
</td>
<td class="nump">51,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans', window );">Post-employment benefit expense in profit or loss, defined benefit plans</a></td>
<td class="nump">4,900<span></span>
</td>
<td class="nump">4,500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LifeAndAccidentInsuranceCoverageLimit', window );">Capital insured by life and accident insurance</a></td>
<td class="nump">78,000<span></span>
</td>
<td class="nump">83,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementRetiredMember', window );">Retired senior managers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationTerminationBenefits', window );">Salaries and other remuneration related to retirement</a></td>
<td class="nump">2,905<span></span>
</td>
<td class="nump">12,303<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits', window );">Variable subject to long-term objectives in cash</a></td>
<td class="nump">342<span></span>
</td>
<td class="nump">633<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BenefitsPaidOrPayable', window );">Amount paid for retirement pension benefit</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Senior Management</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RatioOfVariableToFixedPayComponents', window );">Ratio of variable to fixed pay components</a></td>
<td class="nump">200.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Senior Management</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DiscretionaryPensionBenefitComponentPercentage', window );">Discretionary pension contribution percentage</a></td>
<td class="nump">15.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AssetsOfBenefitPlan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets held by retirement benefit plans. [Refer: Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AssetsOfBenefitPlan</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BenefitsPaidOrPayable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of benefits paid or payable for retirement benefit plans.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph b<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_b_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BenefitsPaidOrPayable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_KeyManagementPersonnelCompensationTerminationBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 24<br> -IssueDate 2025-01-01<br> -Paragraph 17<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=24&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_17_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_KeyManagementPersonnelCompensationTerminationBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 5<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_5&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 135<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_135_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DiscretionaryPensionBenefitComponentPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Discretionary percentage of total award that could be included in contributions to the pension system.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DiscretionaryPensionBenefitComponentPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationBuyoutsAndSignOnAwards">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Key Management Personnel Compensation, Buyouts And Sign-On Awards</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationBuyoutsAndSignOnAwards</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of variable cash-based compensation to key management personnel in the form of other long-term employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LifeAndAccidentInsuranceCoverageLimit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Coverage limit provided by the insurance arrangement for life and accident insurance claims.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LifeAndAccidentInsuranceCoverageLimit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAssetHoldingPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The holding period for shares issued in settlement of defined-benefit pension obligations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAssetHoldingPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RatioOfVariableToFixedPayComponents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Ratio Of Variable To Fixed Pay Components</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RatioOfVariableToFixedPayComponents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementRetiredMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementRetiredMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember</td>
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<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember</td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>239
<FILENAME>R157.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Schedule summarising remuneration related to multi-annual variable objectives, Senior management (Details)<br> &#8364; in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;) </div>
<div>employee </div>
<div>people </div>
<div>variable_remuneration</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;) </div>
<div>employee </div>
<div>people</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>employee</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfEmployees', window );">Number&#160;of persons | employee</a></td>
<td class="nump">198,403<span></span>
</td>
<td class="nump">206,753<span></span>
</td>
<td class="nump">212,764<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Senior Management</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfEmployees', window );">Number&#160;of persons | people</a></td>
<td class="nump">15<span></span>
</td>
<td class="nump">14<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Senior Management | Deferred variable compensation plan linked to multiannual objectives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfEmployees', window );">Number&#160;of persons | employee</a></td>
<td class="nump">15<span></span>
</td>
<td class="nump">14<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits', window );">Cash&#160; payment</a></td>
<td class="nump">&#8364; 4,521<span></span>
</td>
<td class="nump">&#8364; 3,485<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits', window );">Instrument payment</a></td>
<td class="nump">4,522<span></span>
</td>
<td class="nump">3,486<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensationOtherLongtermBenefits', window );">Total</a></td>
<td class="nump">&#8364; 9,043<span></span>
</td>
<td class="nump">&#8364; 6,971<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration', window );">Number of variable long-term employee benefits, deferred remuneration | variable_remuneration</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration', window );">Variable long-term employee benefits, deferred remuneration</a></td>
<td class="nump">&#8364; 12,919<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 24<br> -IssueDate 2025-01-01<br> -Paragraph 17<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=24&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_17_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_KeyManagementPersonnelCompensationOtherLongtermBenefits</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of personnel employed by the entity at a date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NumberOfEmployees</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Key Management Personnel Compensation, Number Of Variable Long-Term Employee Benefits, Deferred Remuneration</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of variable cash-based compensation to key management personnel in the form of other long-term employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Key Management Personnel Compensation, Variable Long-Term Employee Benefits, Deferred Remuneration</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of variable share-based compensation to key management personnel in the form of other long-term employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits</td>
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<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember</td>
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<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<DOCUMENT>
<TYPE>XML
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<FILENAME>R158.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Schedule summarising maximum number of shares to be delivered, Senior management (Details) - Senior Management - shares<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Deferred conditional variable remuneration plan and linked to objectives (2019)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable', window );">Maximum number of shares to be delivered (in shares)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">71,294<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Deferred conditional variable remuneration plan and linked to objectives (2020)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable', window );">Maximum number of shares to be delivered (in shares)</a></td>
<td class="nump">145,704<span></span>
</td>
<td class="nump">370,522<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Deferred conditional variable remuneration plan and linked to objectives (2021)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable', window );">Maximum number of shares to be delivered (in shares)</a></td>
<td class="nump">486,863<span></span>
</td>
<td class="nump">966,680<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Deferred conditional variable remuneration plan and linked to objectives (2022)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable', window );">Maximum number of shares to be delivered (in shares)</a></td>
<td class="nump">891,305<span></span>
</td>
<td class="nump">1,430,464<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Deferred conditional variable remuneration plan and linked to objectives (2023)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable', window );">Maximum number of shares to be delivered (in shares)</a></td>
<td class="nump">934,609<span></span>
</td>
<td class="nump">1,395,815<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Deferred conditional variable remuneration plan and linked to objectives (2024)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable', window );">Maximum number of shares to be delivered (in shares)</a></td>
<td class="nump">1,601,213<span></span>
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<td class="nump">0<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Maximum Number Of Share Options To Be Delivered In Share-Based Payment Arrangement, Deferred Variable</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Schedule summarising maximum number of actual shares delivered, Senior management (Details) - Senior Management - shares<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
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<th class="th"><div>Dec. 31, 2025</div></th>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Number of shares delivered (in shares)</a></td>
<td class="nump">145,704<span></span>
</td>
<td class="nump">185,261<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Deferred conditional variable remuneration plan and linked to objectives (2021)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Number of shares delivered (in shares)</a></td>
<td class="nump">243,433<span></span>
</td>
<td class="nump">351,777<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Deferred conditional variable remuneration plan and linked to objectives (2022)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Number of shares delivered (in shares)</a></td>
<td class="nump">266,390<span></span>
</td>
<td class="nump">357,615<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Deferred conditional variable remuneration plan and linked to objectives (2023)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Number of shares delivered (in shares)</a></td>
<td class="nump">233,652<span></span>
</td>
<td class="nump">1,212,984<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Deferred conditional variable remuneration plan and linked to objectives (2024)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable', window );">Number of shares delivered (in shares)</a></td>
<td class="nump">1,399,679<span></span>
</td>
<td class="nump">0<span></span>
</td>
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<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
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<td>xbrli:stringItemType</td>
</tr>
<tr>
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<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of shares earned for a deferred variable share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2018Member</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanAndLinkedToObjectives2021Member</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Post-employment benefits to former directors and former senior executive vice presidents (Details) - EUR (&#8364;)<br> &#8364; in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">&#8364; 8,355,000<span></span>
</td>
<td class="nump">&#8364; 8,407,000<span></span>
</td>
<td class="nump">&#8364; 8,441,000<span></span>
</td>
<td class="nump">&#8364; 8,149,000<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_FormerDirectorsOfTheBankMember', window );">Former directors of the bank</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BenefitsPaidOrPayable', window );">Amount paid for retirement pension benefit</a></td>
<td class="nump">5,600<span></span>
</td>
<td class="nump">5,600<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PostEmploymentBenefitExpenseContributionToInsurancePolicies', window );">Contribution to insurance policies</a></td>
<td class="nump">170<span></span>
</td>
<td class="nump">170<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_FormerDirectorsOfTheBankMember', window );">Former directors of the bank | Provision for post-employment defined benefit obligations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">43,000<span></span>
</td>
<td class="nump">46,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_FormerExecutiveVicePresidentsMember', window );">Former executive vice presidents</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BenefitsPaidOrPayable', window );">Amount paid for retirement pension benefit</a></td>
<td class="nump">16,000<span></span>
</td>
<td class="nump">12,700<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_FormerSeniorManagingDirectorsMember', window );">Former senior managing directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PostEmploymentBenefitExpenseContributionToInsurancePolicies', window );">Contribution to insurance policies</a></td>
<td class="nump">1,300<span></span>
</td>
<td class="nump">2,300<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_FormerSeniorManagingDirectorsMember', window );">Former senior managing directors | Provision for post-employment defined benefit obligations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">&#8364; 108,000<span></span>
</td>
<td class="nump">&#8364; 96,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BenefitsPaidOrPayable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of benefits paid or payable for retirement benefit plans.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph b<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_b_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BenefitsPaidOrPayable</td>
</tr>
<tr>
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<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Provisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities of uncertain timing or amount, including provisions for employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph l<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_l&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Provisions</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PostEmploymentBenefitExpenseContributionToInsurancePolicies">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of post-employment benefit expense relating to contribution to insurance policies.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PostEmploymentBenefitExpenseContributionToInsurancePolicies</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_FormerDirectorsOfTheBankMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_FormerDirectorsOfTheBankMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ProvisionsForEmployeeBenefitsAndOthersAxis=san_ProvisionForPostEmploymentDefinedBenefitObligationsMember</td>
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<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_FormerExecutiveVicePresidentsMember</td>
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<td>na</td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_FormerSeniorManagingDirectorsMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Remuneration and other benefits paid to the Bank&#8217;s directors and senior managers - Contract termination (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="text">&#160;<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Contract Termination, Notice Period</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td><strong> Name:</strong></td>
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<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_AnaBotinSanzDeSautuolaYOSheaMember</td>
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<FILENAME>R162.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans and advances to central banks and credit institutions - Schedule of loans and advances to banks and credit institutions (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">&#8364; 252,318<span></span>
</td>
<td class="nump">&#8364; 230,253<span></span>
</td>
<td class="nump">&#8364; 176,921<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">7,761<span></span>
</td>
<td class="nump">6,130<span></span>
</td>
<td class="nump">5,910<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">74,612<span></span>
</td>
<td class="nump">89,898<span></span>
</td>
<td class="nump">83,308<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">1,202,689<span></span>
</td>
<td class="nump">1,203,707<span></span>
</td>
<td class="nump">1,191,403<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">300,026<span></span>
</td>
<td class="nump">283,497<span></span>
</td>
<td class="nump">243,203<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Reverse repurchase agreements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">73,980<span></span>
</td>
<td class="nump">59,648<span></span>
</td>
<td class="nump">44,184<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Impaired assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">31,577<span></span>
</td>
<td class="nump">33,731<span></span>
</td>
<td class="nump">34,094<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="num">(520)<span></span>
</td>
<td class="num">(349)<span></span>
</td>
<td class="num">(286)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember', window );">Central banks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">14,632<span></span>
</td>
<td class="nump">12,966<span></span>
</td>
<td class="nump">17,717<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">15,986<span></span>
</td>
<td class="nump">16,179<span></span>
</td>
<td class="nump">20,082<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">30,618<span></span>
</td>
<td class="nump">29,145<span></span>
</td>
<td class="nump">37,799<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember', window );">Central banks | Gross carrying amount | Time deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">15,986<span></span>
</td>
<td class="nump">16,179<span></span>
</td>
<td class="nump">17,747<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember', window );">Central banks | Gross carrying amount | Reverse repurchase agreements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">14,632<span></span>
</td>
<td class="nump">12,966<span></span>
</td>
<td class="nump">20,052<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember', window );">Central banks | Gross carrying amount | Impaired assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember', window );">Central banks | Gross carrying amount | Valuation adjustments for impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">25,967<span></span>
</td>
<td class="nump">27,314<span></span>
</td>
<td class="nump">14,061<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">413<span></span>
</td>
<td class="nump">408<span></span>
</td>
<td class="nump">459<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">1,120<span></span>
</td>
<td class="nump">363<span></span>
</td>
<td class="nump">313<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">61,513<span></span>
</td>
<td class="nump">55,537<span></span>
</td>
<td class="nump">57,917<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">89,013<span></span>
</td>
<td class="nump">83,622<span></span>
</td>
<td class="nump">72,750<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions | Gross carrying amount | Time deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">10,665<span></span>
</td>
<td class="nump">9,036<span></span>
</td>
<td class="nump">8,560<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions | Gross carrying amount | Reverse repurchase agreements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">52,365<span></span>
</td>
<td class="nump">48,932<span></span>
</td>
<td class="nump">35,846<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions | Gross carrying amount | Non- loans advances</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">25,987<span></span>
</td>
<td class="nump">25,659<span></span>
</td>
<td class="nump">28,353<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions | Gross carrying amount | Impaired assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions | Accumulated impairment | Valuation adjustments for impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="num">(4)<span></span>
</td>
<td class="num">(5)<span></span>
</td>
<td class="num">(9)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember', window );">Central banks and credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">119,631<span></span>
</td>
<td class="nump">112,767<span></span>
</td>
<td class="nump">110,549<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember', window );">Central banks and credit institutions | Euro</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">43,697<span></span>
</td>
<td class="nump">43,347<span></span>
</td>
<td class="nump">34,229<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember', window );">Central banks and credit institutions | Pound sterling</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">5,147<span></span>
</td>
<td class="nump">2,424<span></span>
</td>
<td class="nump">3,539<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember', window );">Central banks and credit institutions | US dollar</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">23,320<span></span>
</td>
<td class="nump">22,539<span></span>
</td>
<td class="nump">17,602<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember', window );">Central banks and credit institutions | Brazilian real</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">43,577<span></span>
</td>
<td class="nump">39,379<span></span>
</td>
<td class="nump">47,151<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember', window );">Central banks and credit institutions | Other currencies</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">&#8364; 3,890<span></span>
</td>
<td class="nump">&#8364; 5,078<span></span>
</td>
<td class="nump">&#8364; 8,028<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialAssetsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at amortised cost. The amortised cost is the amount at which financial assets are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount, and adjusted for any impairment. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets that are measured at fair value and for which gains (losses) are recognised in profit or loss. A financial asset shall be measured at fair value through profit or loss unless it is measured at amortised cost or at fair value through other comprehensive income. A gain (loss) on a financial asset measured at fair value shall be recognised in profit or loss unless it is part of a hedging relationship, it is an investment in an equity instrument for which the entity has elected to present gains and losses in other comprehensive income or it is a financial asset measured at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss classified as held for trading. A financial asset is classified as held for trading if: (a) it is acquired principally for the purpose of selling it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: At fair value [member]; Financial assets at fair value through profit or loss, mandatorily measured at fair value]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets mandatorily measured at fair value through profit or loss in accordance with IFRS 9. [Refer: Financial assets at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ReverseRepurchaseAgreementsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ReverseRepurchaseAgreementsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ImpairedAssetsFinancialInstrumentTypeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ImpairedAssetsFinancialInstrumentTypeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_TimeDepositsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_TimeDepositsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ValuationAdjustmentForImpairmentFinancialInstrumentTypeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ValuationAdjustmentForImpairmentFinancialInstrumentTypeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_NonLoanAdvancesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_NonLoanAdvancesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_EUR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_EUR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_GBP">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_GBP</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_USD">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans and advances to central banks and credit institutions - Narrative (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 300,026<span></span>
</td>
<td class="nump">&#8364; 283,497<span></span>
</td>
<td class="nump">&#8364; 243,203<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember', window );">Central banks and credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">119,631<span></span>
</td>
<td class="nump">112,767<span></span>
</td>
<td class="nump">110,549<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Financial instruments not credit-impaired | Stage 1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">196,509<span></span>
</td>
<td class="nump">196,514<span></span>
</td>
<td class="nump">176,697<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Financial instruments not credit-impaired | Stage 2 and 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">1,480<span></span>
</td>
<td class="nump">597<span></span>
</td>
<td class="nump">203<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Financial instruments credit-impaired | Stage 2 and 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">842<span></span>
</td>
<td class="nump">701<span></span>
</td>
<td class="nump">461<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Central banks and credit institutions | Financial instruments not credit-impaired | Stage 1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">78,623<span></span>
</td>
<td class="nump">72,084<span></span>
</td>
<td class="nump">78,321<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Central banks and credit institutions | Financial instruments not credit-impaired | Stage 2 and 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">0<span></span>
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<td class="nump">0<span></span>
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<td class="nump">0<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Central banks and credit institutions | Financial instruments credit-impaired | Stage 2 and 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(520)<span></span>
</td>
<td class="num">(349)<span></span>
</td>
<td class="num">(286)<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Central banks and credit institutions | Financial instruments not credit-impaired | Stage 1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(4)<span></span>
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<td class="num">(5)<span></span>
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<td class="num">(9)<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Central banks and credit institutions | Financial instruments not credit-impaired | Stage 2 and 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Central banks and credit institutions | Financial instruments credit-impaired | Stage 2 and 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 0<span></span>
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</td>
<td class="nump">&#8364; 0<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksAndCreditInstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Debt securities - Disclosure of detailed information about debt instruments explanatory (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">&#8364; 252,318<span></span>
</td>
<td class="nump">&#8364; 230,253<span></span>
</td>
<td class="nump">&#8364; 176,921<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">7,761<span></span>
</td>
<td class="nump">6,130<span></span>
</td>
<td class="nump">5,910<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">74,612<span></span>
</td>
<td class="nump">89,898<span></span>
</td>
<td class="nump">83,308<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">1,202,689<span></span>
</td>
<td class="nump">1,203,707<span></span>
</td>
<td class="nump">1,191,403<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">300,026<span></span>
</td>
<td class="nump">283,497<span></span>
</td>
<td class="nump">243,203<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">98,568<span></span>
</td>
<td class="nump">82,646<span></span>
</td>
<td class="nump">62,124<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">245<span></span>
</td>
<td class="nump">447<span></span>
</td>
<td class="nump">860<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">2,894<span></span>
</td>
<td class="nump">2,897<span></span>
</td>
<td class="nump">3,095<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">58,305<span></span>
</td>
<td class="nump">76,558<span></span>
</td>
<td class="nump">73,565<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">140,014<span></span>
</td>
<td class="nump">120,949<span></span>
</td>
<td class="nump">103,559<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">300,026<span></span>
</td>
<td class="nump">283,497<span></span>
</td>
<td class="nump">243,203<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">300,546<span></span>
</td>
<td class="nump">283,846<span></span>
</td>
<td class="nump">243,489<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Debt securities | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">842<span></span>
</td>
<td class="nump">701<span></span>
</td>
<td class="nump">461<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Debt securities | Euro</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">142,969<span></span>
</td>
<td class="nump">118,456<span></span>
</td>
<td class="nump">90,857<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Debt securities | Pound sterling</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">14,114<span></span>
</td>
<td class="nump">15,630<span></span>
</td>
<td class="nump">9,284<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Debt securities | US dollar</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">50,671<span></span>
</td>
<td class="nump">48,189<span></span>
</td>
<td class="nump">38,161<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Debt securities | Brazilian real</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">48,231<span></span>
</td>
<td class="nump">44,432<span></span>
</td>
<td class="nump">46,190<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Debt securities | Other currencies</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">44,561<span></span>
</td>
<td class="nump">57,139<span></span>
</td>
<td class="nump">58,997<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Spanish government debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">63,742<span></span>
</td>
<td class="nump">56,919<span></span>
</td>
<td class="nump">40,321<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Foreign government debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">172,468<span></span>
</td>
<td class="nump">164,747<span></span>
</td>
<td class="nump">145,732<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Issued by financial institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">17,465<span></span>
</td>
<td class="nump">16,776<span></span>
</td>
<td class="nump">14,681<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Other fixed-income securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">46,029<span></span>
</td>
<td class="nump">44,703<span></span>
</td>
<td class="nump">42,294<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="num">(520)<span></span>
</td>
<td class="num">(349)<span></span>
</td>
<td class="num">(286)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="num">&#8364; (520)<span></span>
</td>
<td class="num">&#8364; (349)<span></span>
</td>
<td class="num">&#8364; (286)<span></span>
</td>
<td class="num">&#8364; (226)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialAssetsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at amortised cost. The amortised cost is the amount at which financial assets are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount, and adjusted for any impairment. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets that are measured at fair value and for which gains (losses) are recognised in profit or loss. A financial asset shall be measured at fair value through profit or loss unless it is measured at amortised cost or at fair value through other comprehensive income. A gain (loss) on a financial asset measured at fair value shall be recognised in profit or loss unless it is part of a hedging relationship, it is an investment in an equity instrument for which the entity has elected to present gains and losses in other comprehensive income or it is a financial asset measured at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss classified as held for trading. A financial asset is classified as held for trading if: (a) it is acquired principally for the purpose of selling it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: At fair value [member]; Financial assets at fair value through profit or loss, mandatorily measured at fair value]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets mandatorily measured at fair value through profit or loss in accordance with IFRS 9. [Refer: Financial assets at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_EUR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_EUR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Debt securities - Narrative (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 300,026<span></span>
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<td class="nump">&#8364; 283,497<span></span>
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<td class="nump">&#8364; 243,203<span></span>
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<td class="text">&#160;<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">300,026<span></span>
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<td class="nump">283,497<span></span>
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<td class="nump">243,203<span></span>
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<td class="text">&#160;<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsPurchasedOrOriginatedCreditimpairedMember', window );">Financial instruments purchased credit impaired | Fixed Income Assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">8<span></span>
</td>
<td class="nump">44<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">300,546<span></span>
</td>
<td class="nump">283,846<span></span>
</td>
<td class="nump">243,489<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Financial instruments not credit-impaired | Stage 1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">196,509<span></span>
</td>
<td class="nump">196,514<span></span>
</td>
<td class="nump">176,697<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Financial instruments not credit-impaired | Stage 2 and 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">1,480<span></span>
</td>
<td class="nump">597<span></span>
</td>
<td class="nump">203<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Financial instruments credit-impaired | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">842<span></span>
</td>
<td class="nump">701<span></span>
</td>
<td class="nump">461<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Financial instruments credit-impaired | Stage 2 and 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">842<span></span>
</td>
<td class="nump">701<span></span>
</td>
<td class="nump">461<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="rh">
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<td class="num">(520)<span></span>
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<td class="num">(349)<span></span>
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<td class="num">(286)<span></span>
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<td class="text">&#160;<span></span>
</td>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(62)<span></span>
</td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Financial instruments not credit-impaired | Stage 2 and 3 | Debt securities</a></td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(66)<span></span>
</td>
<td class="num">(9)<span></span>
</td>
<td class="num">(8)<span></span>
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<td class="text">&#160;<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Financial instruments credit-impaired | Stage 2 and 3 | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">&#8364; (392)<span></span>
</td>
<td class="num">&#8364; (301)<span></span>
</td>
<td class="num">&#8364; (248)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialAssetsLineItems</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td><strong> Name:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Debt securities - Schedule of debt instruments by origin of issuer (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 300,026<span></span>
</td>
<td class="nump">&#8364; 283,497<span></span>
</td>
<td class="nump">&#8364; 243,203<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 300,026<span></span>
</td>
<td class="nump">&#8364; 283,497<span></span>
</td>
<td class="nump">&#8364; 243,203<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_PrivateFixedIncomeDebtSecuritiesMember', window );">Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 63,816<span></span>
</td>
<td class="nump">&#8364; 61,831<span></span>
</td>
<td class="nump">&#8364; 57,150<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_PublicFixedIncomeDebtSecuritiesMember', window );">Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">236,210<span></span>
</td>
<td class="nump">221,666<span></span>
</td>
<td class="nump">186,053<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 66,270<span></span>
</td>
<td class="nump">&#8364; 58,820<span></span>
</td>
<td class="nump">&#8364; 42,846<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">22.09%<span></span>
</td>
<td class="nump">20.75%<span></span>
</td>
<td class="nump">17.62%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 2,528<span></span>
</td>
<td class="nump">&#8364; 1,901<span></span>
</td>
<td class="nump">&#8364; 2,525<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">63,742<span></span>
</td>
<td class="nump">56,919<span></span>
</td>
<td class="nump">40,321<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">United Kingdom | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 11,563<span></span>
</td>
<td class="nump">&#8364; 12,980<span></span>
</td>
<td class="nump">&#8364; 7,564<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">3.85%<span></span>
</td>
<td class="nump">4.58%<span></span>
</td>
<td class="nump">3.11%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">United Kingdom | Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 2,336<span></span>
</td>
<td class="nump">&#8364; 3,077<span></span>
</td>
<td class="nump">&#8364; 2,816<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">United Kingdom | Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">9,227<span></span>
</td>
<td class="nump">9,903<span></span>
</td>
<td class="nump">4,748<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_PT', window );">Portugal | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 8,839<span></span>
</td>
<td class="nump">&#8364; 8,362<span></span>
</td>
<td class="nump">&#8364; 7,641<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">2.95%<span></span>
</td>
<td class="nump">2.95%<span></span>
</td>
<td class="nump">3.14%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_PT', window );">Portugal | Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 3,212<span></span>
</td>
<td class="nump">&#8364; 3,224<span></span>
</td>
<td class="nump">&#8364; 2,826<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_PT', window );">Portugal | Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">5,627<span></span>
</td>
<td class="nump">5,138<span></span>
</td>
<td class="nump">4,815<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_IT', window );">Italy | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 27,036<span></span>
</td>
<td class="nump">&#8364; 26,026<span></span>
</td>
<td class="nump">&#8364; 15,913<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">9.01%<span></span>
</td>
<td class="nump">9.18%<span></span>
</td>
<td class="nump">6.54%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_IT', window );">Italy | Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 2,821<span></span>
</td>
<td class="nump">&#8364; 3,072<span></span>
</td>
<td class="nump">&#8364; 2,968<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_IT', window );">Italy | Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">24,215<span></span>
</td>
<td class="nump">22,954<span></span>
</td>
<td class="nump">12,945<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_IE', window );">Ireland | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 4,281<span></span>
</td>
<td class="nump">&#8364; 4,571<span></span>
</td>
<td class="nump">&#8364; 5,643<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">1.43%<span></span>
</td>
<td class="nump">1.61%<span></span>
</td>
<td class="nump">2.32%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_IE', window );">Ireland | Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 4,239<span></span>
</td>
<td class="nump">&#8364; 4,557<span></span>
</td>
<td class="nump">&#8364; 5,632<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_IE', window );">Ireland | Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">42<span></span>
</td>
<td class="nump">14<span></span>
</td>
<td class="nump">11<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_PL', window );">Poland | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 1,487<span></span>
</td>
<td class="nump">&#8364; 17,696<span></span>
</td>
<td class="nump">&#8364; 15,419<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">0.50%<span></span>
</td>
<td class="nump">6.24%<span></span>
</td>
<td class="nump">6.34%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_PL', window );">Poland | Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 22<span></span>
</td>
<td class="nump">&#8364; 2,472<span></span>
</td>
<td class="nump">&#8364; 2,937<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_PL', window );">Poland | Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">1,465<span></span>
</td>
<td class="nump">15,224<span></span>
</td>
<td class="nump">12,482<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherEuropeanCountriesMember', window );">Other EU countries | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 38,576<span></span>
</td>
<td class="nump">&#8364; 24,295<span></span>
</td>
<td class="nump">&#8364; 25,292<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">12.86%<span></span>
</td>
<td class="nump">8.57%<span></span>
</td>
<td class="nump">10.40%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherEuropeanCountriesMember', window );">Other EU countries | Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 12,682<span></span>
</td>
<td class="nump">&#8364; 11,593<span></span>
</td>
<td class="nump">&#8364; 9,797<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherEuropeanCountriesMember', window );">Other EU countries | Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">25,894<span></span>
</td>
<td class="nump">12,702<span></span>
</td>
<td class="nump">15,495<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 44,140<span></span>
</td>
<td class="nump">&#8364; 40,286<span></span>
</td>
<td class="nump">&#8364; 31,951<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">14.71%<span></span>
</td>
<td class="nump">14.21%<span></span>
</td>
<td class="nump">13.14%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 14,941<span></span>
</td>
<td class="nump">&#8364; 12,475<span></span>
</td>
<td class="nump">&#8364; 8,959<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">29,199<span></span>
</td>
<td class="nump">27,811<span></span>
</td>
<td class="nump">22,992<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 47,426<span></span>
</td>
<td class="nump">&#8364; 45,383<span></span>
</td>
<td class="nump">&#8364; 45,893<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">15.81%<span></span>
</td>
<td class="nump">16.01%<span></span>
</td>
<td class="nump">18.87%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 13,518<span></span>
</td>
<td class="nump">&#8364; 12,738<span></span>
</td>
<td class="nump">&#8364; 13,551<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">33,908<span></span>
</td>
<td class="nump">32,645<span></span>
</td>
<td class="nump">32,342<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_MX', window );">Mexico | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 28,114<span></span>
</td>
<td class="nump">&#8364; 23,012<span></span>
</td>
<td class="nump">&#8364; 22,707<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">9.37%<span></span>
</td>
<td class="nump">8.12%<span></span>
</td>
<td class="nump">9.34%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_MX', window );">Mexico | Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 3,001<span></span>
</td>
<td class="nump">&#8364; 2,190<span></span>
</td>
<td class="nump">&#8364; 1,969<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_MX', window );">Mexico | Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">25,113<span></span>
</td>
<td class="nump">20,822<span></span>
</td>
<td class="nump">20,738<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_CL', window );">Chile | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 8,704<span></span>
</td>
<td class="nump">&#8364; 7,078<span></span>
</td>
<td class="nump">&#8364; 12,044<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">2.90%<span></span>
</td>
<td class="nump">2.50%<span></span>
</td>
<td class="nump">4.95%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_CL', window );">Chile | Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 137<span></span>
</td>
<td class="nump">&#8364; 96<span></span>
</td>
<td class="nump">&#8364; 49<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_CL', window );">Chile | Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">8,567<span></span>
</td>
<td class="nump">6,982<span></span>
</td>
<td class="nump">11,995<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherAmericanCountriesMember', window );">Other American countries | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 9,208<span></span>
</td>
<td class="nump">&#8364; 7,838<span></span>
</td>
<td class="nump">&#8364; 4,861<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">3.07%<span></span>
</td>
<td class="nump">2.76%<span></span>
</td>
<td class="nump">2.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherAmericanCountriesMember', window );">Other American countries | Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 3,254<span></span>
</td>
<td class="nump">&#8364; 3,336<span></span>
</td>
<td class="nump">&#8364; 2,315<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherAmericanCountriesMember', window );">Other American countries | Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">5,954<span></span>
</td>
<td class="nump">4,502<span></span>
</td>
<td class="nump">2,546<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_RestOfWorldMember', window );">Rest of the world | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 4,382<span></span>
</td>
<td class="nump">&#8364; 7,150<span></span>
</td>
<td class="nump">&#8364; 5,429<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">1.45%<span></span>
</td>
<td class="nump">2.52%<span></span>
</td>
<td class="nump">2.23%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_RestOfWorldMember', window );">Rest of the world | Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 1,125<span></span>
</td>
<td class="nump">&#8364; 1,100<span></span>
</td>
<td class="nump">&#8364; 806<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_RestOfWorldMember', window );">Rest of the world | Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 3,257<span></span>
</td>
<td class="nump">&#8364; 6,050<span></span>
</td>
<td class="nump">&#8364; 4,623<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialAssetsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_FinancialAssetsPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financial assets expressed as a percentage.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FinancialAssetsPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_PrivateFixedIncomeDebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_PrivateFixedIncomeDebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_PublicFixedIncomeDebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_PublicFixedIncomeDebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_GB">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_GB</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_PT">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_PT</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_IT">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_IT</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_IE">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_IE</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_PL">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_PL</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_OtherEuropeanCountriesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_OtherEuropeanCountriesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_US</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_BR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_BR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_MX</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_CL">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_CL</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_OtherAmericanCountriesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_OtherAmericanCountriesMember</td>
</tr>
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<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_RestOfWorldMember</td>
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<tr>
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<td></td>
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<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>249
<FILENAME>R167.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Debt securities - Schedule of debt instruments by issuer rating (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 300,026<span></span>
</td>
<td class="nump">&#8364; 283,497<span></span>
</td>
<td class="nump">&#8364; 243,203<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 300,026<span></span>
</td>
<td class="nump">&#8364; 283,497<span></span>
</td>
<td class="nump">&#8364; 243,203<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_PrivateFixedIncomeDebtSecuritiesMember', window );">Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 63,816<span></span>
</td>
<td class="nump">&#8364; 61,831<span></span>
</td>
<td class="nump">&#8364; 57,150<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_PublicFixedIncomeDebtSecuritiesMember', window );">Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">236,210<span></span>
</td>
<td class="nump">221,666<span></span>
</td>
<td class="nump">186,053<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsAAARatingMember', window );">AAA | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 25,272<span></span>
</td>
<td class="nump">&#8364; 23,329<span></span>
</td>
<td class="nump">&#8364; 23,039<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">8.42%<span></span>
</td>
<td class="nump">8.23%<span></span>
</td>
<td class="nump">9.47%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsAAARatingMember', window );">AAA | Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 15,952<span></span>
</td>
<td class="nump">&#8364; 16,889<span></span>
</td>
<td class="nump">&#8364; 15,152<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsAAARatingMember', window );">AAA | Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">9,320<span></span>
</td>
<td class="nump">6,440<span></span>
</td>
<td class="nump">7,887<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsAARatingMember', window );">AA | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 62,049<span></span>
</td>
<td class="nump">&#8364; 64,226<span></span>
</td>
<td class="nump">&#8364; 51,846<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">20.68%<span></span>
</td>
<td class="nump">22.65%<span></span>
</td>
<td class="nump">21.32%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsAARatingMember', window );">AA | Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 19,598<span></span>
</td>
<td class="nump">&#8364; 16,972<span></span>
</td>
<td class="nump">&#8364; 15,142<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsAARatingMember', window );">AA | Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">42,451<span></span>
</td>
<td class="nump">47,254<span></span>
</td>
<td class="nump">36,704<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsARatingMember', window );">A | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 108,743<span></span>
</td>
<td class="nump">&#8364; 97,870<span></span>
</td>
<td class="nump">&#8364; 79,287<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">36.24%<span></span>
</td>
<td class="nump">34.53%<span></span>
</td>
<td class="nump">32.60%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsARatingMember', window );">A | Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 13,206<span></span>
</td>
<td class="nump">&#8364; 10,056<span></span>
</td>
<td class="nump">&#8364; 11,175<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsARatingMember', window );">A | Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">95,537<span></span>
</td>
<td class="nump">87,814<span></span>
</td>
<td class="nump">68,112<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsBBBRatingMember', window );">BBB | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 56,938<span></span>
</td>
<td class="nump">&#8364; 53,383<span></span>
</td>
<td class="nump">&#8364; 46,922<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">18.98%<span></span>
</td>
<td class="nump">18.83%<span></span>
</td>
<td class="nump">19.29%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsBBBRatingMember', window );">BBB | Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 6,872<span></span>
</td>
<td class="nump">&#8364; 8,900<span></span>
</td>
<td class="nump">&#8364; 7,749<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsBBBRatingMember', window );">BBB | Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">50,066<span></span>
</td>
<td class="nump">44,483<span></span>
</td>
<td class="nump">39,173<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsBelowBBBRatingMember', window );">Below BBB | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 43,888<span></span>
</td>
<td class="nump">&#8364; 41,218<span></span>
</td>
<td class="nump">&#8364; 38,831<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">14.63%<span></span>
</td>
<td class="nump">14.54%<span></span>
</td>
<td class="nump">15.97%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsBelowBBBRatingMember', window );">Below BBB | Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 5,052<span></span>
</td>
<td class="nump">&#8364; 5,543<span></span>
</td>
<td class="nump">&#8364; 4,654<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsBelowBBBRatingMember', window );">Below BBB | Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">38,836<span></span>
</td>
<td class="nump">35,675<span></span>
</td>
<td class="nump">34,177<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_UnratedMember', window );">Unrated | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 3,136<span></span>
</td>
<td class="nump">&#8364; 3,471<span></span>
</td>
<td class="nump">&#8364; 3,278<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsPercentage', window );">Financial assets (as a percent)</a></td>
<td class="nump">1.05%<span></span>
</td>
<td class="nump">1.22%<span></span>
</td>
<td class="nump">1.35%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_UnratedMember', window );">Unrated | Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 3,136<span></span>
</td>
<td class="nump">&#8364; 3,471<span></span>
</td>
<td class="nump">&#8364; 3,278<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_UnratedMember', window );">Unrated | Public fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialAssetsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_FinancialAssetsPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financial assets expressed as a percentage.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FinancialAssetsPercentage</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_PrivateFixedIncomeDebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
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<td></td>
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<td><strong> Period Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_PublicFixedIncomeDebtSecuritiesMember</td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsAAARatingMember</td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsAARatingMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Debt securities - Schedule of breakdown by type of instrument (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 300,026<span></span>
</td>
<td class="nump">&#8364; 283,497<span></span>
</td>
<td class="nump">&#8364; 243,203<span></span>
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</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">300,026<span></span>
</td>
<td class="nump">283,497<span></span>
</td>
<td class="nump">243,203<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_PrivateFixedIncomeDebtSecuritiesMember', window );">Private fixed income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">63,816<span></span>
</td>
<td class="nump">61,831<span></span>
</td>
<td class="nump">57,150<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_PrivateFixedIncomeDebtSecuritiesMember', window );">Private fixed income | Floating rate debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">18,721<span></span>
</td>
<td class="nump">17,323<span></span>
</td>
<td class="nump">15,376<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_PrivateFixedIncomeDebtSecuritiesMember', window );">Private fixed income | Fixed rate debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">20,508<span></span>
</td>
<td class="nump">22,175<span></span>
</td>
<td class="nump">22,221<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_PrivateFixedIncomeDebtSecuritiesMember', window );">Private fixed income | Securitised mortgage bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">10,514<span></span>
</td>
<td class="nump">10,709<span></span>
</td>
<td class="nump">9,310<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_PrivateFixedIncomeDebtSecuritiesMember', window );">Private fixed income | Other asset-backed bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 14,073<span></span>
</td>
<td class="nump">&#8364; 11,624<span></span>
</td>
<td class="nump">&#8364; 10,243<span></span>
</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialAssetsLineItems</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_PrivateFixedIncomeDebtSecuritiesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfInterestRatesAxis=ifrs-full_FloatingInterestRateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfInterestRatesAxis=ifrs-full_FloatingInterestRateMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfInterestRatesAxis=ifrs-full_FixedInterestRateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfInterestRatesAxis=ifrs-full_FixedInterestRateMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_SecuritizedMortgageBondsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_SecuritizedMortgageBondsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherAssetBackBondsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherAssetBackBondsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Debt securities - Schedule of changes in impairment losses on debt instruments (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="num">&#8364; (283,497)<span></span>
</td>
<td class="num">&#8364; (243,203)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="num">(300,026)<span></span>
</td>
<td class="num">(283,497)<span></span>
</td>
<td class="num">&#8364; (243,203)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">349<span></span>
</td>
<td class="nump">286<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">520<span></span>
</td>
<td class="nump">349<span></span>
</td>
<td class="nump">286<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="num">(283,497)<span></span>
</td>
<td class="num">(243,203)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="num">(300,026)<span></span>
</td>
<td class="num">(283,497)<span></span>
</td>
<td class="num">(243,203)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">349<span></span>
</td>
<td class="nump">286<span></span>
</td>
<td class="nump">226<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss', window );">Net impairment losses for the year</a></td>
<td class="nump">182<span></span>
</td>
<td class="nump">226<span></span>
</td>
<td class="nump">24<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLoss', window );">Impairment losses charged to income</a></td>
<td class="nump">238<span></span>
</td>
<td class="nump">234<span></span>
</td>
<td class="nump">36<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss', window );">Impairment losses reversed with a credit to income</a></td>
<td class="num">(56)<span></span>
</td>
<td class="num">(8)<span></span>
</td>
<td class="num">(12)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseThroughWriteoffFinancialAssets', window );">Assets written off</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(131)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets', window );">Exchange differences and other items</a></td>
<td class="num">(11)<span></span>
</td>
<td class="num">(32)<span></span>
</td>
<td class="nump">36<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">520<span></span>
</td>
<td class="nump">349<span></span>
</td>
<td class="nump">286<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Accumulated impairment | Financial assets at amortized cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss', window );">Net impairment losses for the year</a></td>
<td class="nump">182<span></span>
</td>
<td class="nump">227<span></span>
</td>
<td class="nump">23<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Accumulated impairment | Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss', window );">Net impairment losses for the year</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Accumulated impairment | European Union</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">23<span></span>
</td>
<td class="nump">22<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">26<span></span>
</td>
<td class="nump">23<span></span>
</td>
<td class="nump">22<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Accumulated impairment | America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Debt Instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">326<span></span>
</td>
<td class="nump">264<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">&#8364; 494<span></span>
</td>
<td class="nump">&#8364; 326<span></span>
</td>
<td class="nump">&#8364; 264<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DecreaseThroughWriteoffFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease in financial assets resulting from write-off. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph IG20B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_IG20B&amp;doctype=Implementation%20Guidance<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DecreaseThroughWriteoffFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialAssetsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 126<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_126_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 129<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_129_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 250<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_250_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 250<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_250_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLossRecognisedInProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 133<br> -Subparagraph a<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_133_a_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from foreign exchange and other movements. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph IG20B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_IG20B&amp;doctype=Implementation%20Guidance<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 126<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_126_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 129<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_129_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 250<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_250_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 250<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_250_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_IFRSEuropeanUnionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_IFRSEuropeanUnionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_IFRSAmericaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Equity instruments - Disclosure of breakdown of equity instruments (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">&#8364; 252,318<span></span>
</td>
<td class="nump">&#8364; 230,253<span></span>
</td>
<td class="nump">&#8364; 176,921<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">7,761<span></span>
</td>
<td class="nump">6,130<span></span>
</td>
<td class="nump">5,910<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">74,612<span></span>
</td>
<td class="nump">89,898<span></span>
</td>
<td class="nump">83,308<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">300,026<span></span>
</td>
<td class="nump">283,497<span></span>
</td>
<td class="nump">243,203<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember', window );">Equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">22,030<span></span>
</td>
<td class="nump">16,636<span></span>
</td>
<td class="nump">15,057<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">5,815<span></span>
</td>
<td class="nump">4,641<span></span>
</td>
<td class="nump">4,068<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">2,281<span></span>
</td>
<td class="nump">2,193<span></span>
</td>
<td class="nump">1,761<span></span>
</td>
<td class="nump">&#8364; 1,941<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">30,126<span></span>
</td>
<td class="nump">23,470<span></span>
</td>
<td class="nump">20,886<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_FinancialAssetsSharesOfDomesticCompaniesMember', window );">Shares of Spanish companies</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">5,083<span></span>
</td>
<td class="nump">3,730<span></span>
</td>
<td class="nump">3,540<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_FinancialAssetsSharesOfForeignCompaniesMember', window );">Shares of foreign companies</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">21,633<span></span>
</td>
<td class="nump">17,153<span></span>
</td>
<td class="nump">15,185<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_InvestmentFundsMember', window );">Shares of investment funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">&#8364; 3,410<span></span>
</td>
<td class="nump">&#8364; 2,587<span></span>
</td>
<td class="nump">&#8364; 2,161<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialAssetsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss classified as held for trading. A financial asset is classified as held for trading if: (a) it is acquired principally for the purpose of selling it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: At fair value [member]; Financial assets at fair value through profit or loss, mandatorily measured at fair value]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets mandatorily measured at fair value through profit or loss in accordance with IFRS 9. [Refer: Financial assets at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_FinancialAssetsSharesOfDomesticCompaniesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_FinancialAssetsSharesOfForeignCompaniesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_InvestmentFundsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Equity instruments - Disclosure of changes in financial assets at fair value through other comprehensive income (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Balance at beginning of&#160;the year</a></td>
<td class="nump">&#8364; 89,898<span></span>
</td>
<td class="nump">&#8364; 83,308<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax', window );">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (EIGR)</a></td>
<td class="nump">715<span></span>
</td>
<td class="num">(447)<span></span>
</td>
<td class="nump">&#8364; 852<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Balance at end of&#160;year</a></td>
<td class="nump">74,612<span></span>
</td>
<td class="nump">89,898<span></span>
</td>
<td class="nump">83,308<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember', window );">Equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Balance at beginning of&#160;the year</a></td>
<td class="nump">2,193<span></span>
</td>
<td class="nump">1,761<span></span>
</td>
<td class="nump">1,941<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet', window );">Net additions (disposals)</a></td>
<td class="num">(81)<span></span>
</td>
<td class="num">(35)<span></span>
</td>
<td class="nump">11<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax', window );">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (EIGR)</a></td>
<td class="nump">245<span></span>
</td>
<td class="nump">447<span></span>
</td>
<td class="num">(162)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax', window );">Changes in the RV hedged with micro-hedging transactions</a></td>
<td class="num">(76)<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="num">(29)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Balance at end of&#160;year</a></td>
<td class="nump">&#8364; 2,281<span></span>
</td>
<td class="nump">&#8364; 2,193<span></span>
</td>
<td class="nump">&#8364; 1,761<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialAssetsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) recognised in other comprehensive income on financial assets measured at fair value through other comprehensive income applying paragraph 4.1.2A of IFRS 9, before tax, before reclassification adjustments. [Refer: Financial assets measured at fair value through other comprehensive income; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -Subparagraph a<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20_a_viii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -Subparagraph a<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_56_a_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -Subparagraph a<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_56_a_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td>credit</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net increase (decrease) in available-for-sale financial assets resulting from additions and (disposals) of those assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains (Losses) On Financial Assets Measured At Fair Value Through Other Comprehensive Income, Changes In The RV Hedged, Before Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember</td>
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<td></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Trading derivatives (assets and liabilities) and short positions - Schedule by type of inherent risk of fair value of trading derivatives (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">&#8364; 252,318<span></span>
</td>
<td class="nump">&#8364; 230,253<span></span>
</td>
<td class="nump">&#8364; 176,921<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">171,546<span></span>
</td>
<td class="nump">152,151<span></span>
</td>
<td class="nump">122,270<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember', window );">Derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">51,968<span></span>
</td>
<td class="nump">57,753<span></span>
</td>
<td class="nump">50,589<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember', window );">Derivatives | Interest rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">23,728<span></span>
</td>
<td class="nump">24,754<span></span>
</td>
<td class="nump">26,014<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember', window );">Derivatives | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">20,508<span></span>
</td>
<td class="nump">29,110<span></span>
</td>
<td class="nump">23,094<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember', window );">Derivatives | Price risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">2,279<span></span>
</td>
<td class="nump">1,632<span></span>
</td>
<td class="nump">904<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember', window );">Derivatives | Other risks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="nump">5,453<span></span>
</td>
<td class="nump">2,257<span></span>
</td>
<td class="nump">577<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember', window );">Derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="nump">58,355<span></span>
</td>
<td class="nump">64,100<span></span>
</td>
<td class="nump">56,328<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember', window );">Derivatives | Interest rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">29,550<span></span>
</td>
<td class="nump">30,834<span></span>
</td>
<td class="nump">31,480<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember', window );">Derivatives | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">24,755<span></span>
</td>
<td class="nump">29,395<span></span>
</td>
<td class="nump">22,834<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember', window );">Derivatives | Price risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">1,858<span></span>
</td>
<td class="nump">1,765<span></span>
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<td class="nump">1,279<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember', window );">Derivatives | Other risks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">&#8364; 2,192<span></span>
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<td class="nump">&#8364; 2,106<span></span>
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<td class="nump">&#8364; 735<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss classified as held for trading. A financial asset is classified as held for trading if: (a) it is acquired principally for the purpose of selling it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: At fair value [member]; Financial assets at fair value through profit or loss, mandatorily measured at fair value]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Trading derivatives (assets and liabilities) and short positions - Schedule of short positions (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
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<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">FINANCIAL LIABILITIES HELD FOR TRADING</a></td>
<td class="nump">&#8364; 171,546<span></span>
</td>
<td class="nump">&#8364; 152,151<span></span>
</td>
<td class="nump">&#8364; 122,270<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_ShortPositionsMember', window );">Short positions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">FINANCIAL LIABILITIES HELD FOR TRADING</a></td>
<td class="nump">44,015<span></span>
</td>
<td class="nump">35,830<span></span>
</td>
<td class="nump">26,174<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Short positions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialLiabilitiesAttributableToBorrowedSecurities', window );">Borrowed securities</a></td>
<td class="nump">2,938<span></span>
</td>
<td class="nump">2,566<span></span>
</td>
<td class="nump">3,263<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialLiabilitiesAttributableToShortSales', window );">Short sales</a></td>
<td class="nump">40,387<span></span>
</td>
<td class="nump">32,726<span></span>
</td>
<td class="nump">22,365<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Short positions | Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialLiabilitiesAttributableToBorrowedSecurities', window );">Borrowed securities</a></td>
<td class="nump">1,358<span></span>
</td>
<td class="nump">1,199<span></span>
</td>
<td class="nump">1,881<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Short positions | Banco Santander (Brasil) S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialLiabilitiesAttributableToShortSales', window );">Short sales</a></td>
<td class="nump">7,417<span></span>
</td>
<td class="nump">5,950<span></span>
</td>
<td class="nump">3,462<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Short positions | Santander US Capital Markets LLC</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialLiabilitiesAttributableToShortSales', window );">Short sales</a></td>
<td class="nump">3,396<span></span>
</td>
<td class="nump">2,382<span></span>
</td>
<td class="nump">2,442<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember', window );">Equity instruments | Short positions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialLiabilitiesAttributableToBorrowedSecurities', window );">Borrowed securities</a></td>
<td class="nump">690<span></span>
</td>
<td class="nump">538<span></span>
</td>
<td class="nump">546<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Banco Santander, S.A. | Debt securities | Short positions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialLiabilitiesAttributableToBorrowedSecurities', window );">Borrowed securities</a></td>
<td class="nump">1,555<span></span>
</td>
<td class="nump">1,347<span></span>
</td>
<td class="nump">1,383<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialLiabilitiesAttributableToShortSales', window );">Short sales</a></td>
<td class="nump">28,710<span></span>
</td>
<td class="nump">23,813<span></span>
</td>
<td class="nump">16,143<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Banco Santander, S.A. | Equity instruments | Short positions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialLiabilitiesAttributableToBorrowedSecurities', window );">Borrowed securities</a></td>
<td class="nump">&#8364; 429<span></span>
</td>
<td class="nump">&#8364; 358<span></span>
</td>
<td class="nump">&#8364; 312<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialInstrumentsLineItems</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at fair value through profit or loss that meet the definition of held for trading. A financial liability is classified as held for trading if: (a) it is acquired or incurred principally for the purpose of selling or repurchasing it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: Financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities attributable to borrowed securities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities attributable to short sales.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUSCapitalMarketsLLCMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUSCapitalMarketsLLCMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans and advances to customers - Schedule of detail, by classification, of loans and advances to customers (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">&#8364; 252,318<span></span>
</td>
<td class="nump">&#8364; 230,253<span></span>
</td>
<td class="nump">&#8364; 176,921<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">7,761<span></span>
</td>
<td class="nump">6,130<span></span>
</td>
<td class="nump">5,910<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">8,046<span></span>
</td>
<td class="nump">7,915<span></span>
</td>
<td class="nump">9,773<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">74,612<span></span>
</td>
<td class="nump">89,898<span></span>
</td>
<td class="nump">83,308<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">1,202,689<span></span>
</td>
<td class="nump">1,203,707<span></span>
</td>
<td class="nump">1,191,403<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">300,026<span></span>
</td>
<td class="nump">283,497<span></span>
</td>
<td class="nump">243,203<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Impairment losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="num">(520)<span></span>
</td>
<td class="num">(349)<span></span>
</td>
<td class="num">(286)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">32,766<span></span>
</td>
<td class="nump">26,591<span></span>
</td>
<td class="nump">11,634<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">1,701<span></span>
</td>
<td class="nump">1,042<span></span>
</td>
<td class="nump">982<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">4,739<span></span>
</td>
<td class="nump">4,610<span></span>
</td>
<td class="nump">6,219<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">12,906<span></span>
</td>
<td class="nump">10,784<span></span>
</td>
<td class="nump">7,669<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">985,176<span></span>
</td>
<td class="nump">1,011,042<span></span>
</td>
<td class="nump">1,009,845<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">1,037,288<span></span>
</td>
<td class="nump">1,054,069<span></span>
</td>
<td class="nump">1,036,349<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | Impairment losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="num">(21,158)<span></span>
</td>
<td class="num">(22,125)<span></span>
</td>
<td class="num">(22,788)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | Gross carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Total financial assets</a></td>
<td class="nump">&#8364; 1,058,446<span></span>
</td>
<td class="nump">&#8364; 1,076,194<span></span>
</td>
<td class="nump">&#8364; 1,059,137<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at amortised cost. The amortised cost is the amount at which financial assets are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount, and adjusted for any impairment. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtAmortisedCost</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss classified as held for trading. A financial asset is classified as held for trading if: (a) it is acquired principally for the purpose of selling it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: At fair value [member]; Financial assets at fair value through profit or loss, mandatorily measured at fair value]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: At fair value [member]; Financial assets at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets mandatorily measured at fair value through profit or loss in accordance with IFRS 9. [Refer: Financial assets at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans and advances to customers - Schedule of the breakdown of loans and advances to customers (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 300,026<span></span>
</td>
<td class="nump">&#8364; 283,497<span></span>
</td>
<td class="nump">&#8364; 243,203<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">1,058,446<span></span>
</td>
<td class="nump">1,076,194<span></span>
</td>
<td class="nump">1,059,137<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Customers | Fixed rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">694,332<span></span>
</td>
<td class="nump">678,994<span></span>
</td>
<td class="nump">647,349<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Customers | Floating rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">364,114<span></span>
</td>
<td class="nump">397,200<span></span>
</td>
<td class="nump">411,788<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Customers | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">198,894<span></span>
</td>
<td class="nump">198,164<span></span>
</td>
<td class="nump">203,680<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Customers | Rest of Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">467,697<span></span>
</td>
<td class="nump">502,664<span></span>
</td>
<td class="nump">489,706<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Customers | United Kingdom</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">258,739<span></span>
</td>
<td class="nump">266,934<span></span>
</td>
<td class="nump">263,808<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Customers | America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">374,739<span></span>
</td>
<td class="nump">359,264<span></span>
</td>
<td class="nump">350,873<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Customers | US</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">135,088<span></span>
</td>
<td class="nump">136,054<span></span>
</td>
<td class="nump">126,529<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Customers | Brazil</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">90,951<span></span>
</td>
<td class="nump">91,066<span></span>
</td>
<td class="nump">100,758<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Customers | Rest of the world</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">17,116<span></span>
</td>
<td class="nump">16,102<span></span>
</td>
<td class="nump">14,878<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Commercial credit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">51,110<span></span>
</td>
<td class="nump">53,209<span></span>
</td>
<td class="nump">55,628<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Secured loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">530,749<span></span>
</td>
<td class="nump">557,463<span></span>
</td>
<td class="nump">554,375<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Reverse repurchase agreements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">73,980<span></span>
</td>
<td class="nump">59,648<span></span>
</td>
<td class="nump">44,184<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Other term loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">295,998<span></span>
</td>
<td class="nump">296,339<span></span>
</td>
<td class="nump">295,485<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Finance leases</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">38,540<span></span>
</td>
<td class="nump">40,120<span></span>
</td>
<td class="nump">38,723<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Receivable on demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">10,313<span></span>
</td>
<td class="nump">10,756<span></span>
</td>
<td class="nump">12,277<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Credit cards receivables</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">26,179<span></span>
</td>
<td class="nump">24,928<span></span>
</td>
<td class="nump">24,371<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Impaired assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 31,577<span></span>
</td>
<td class="nump">&#8364; 33,731<span></span>
</td>
<td class="nump">&#8364; 34,094<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LoansAndAdvancesToCustomersLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LoansAndAdvancesToCustomersLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_LoansAndAdvancesCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_LoansAndAdvancesCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfInterestRatesAxis=ifrs-full_FixedInterestRateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfInterestRatesAxis=ifrs-full_FixedInterestRateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfInterestRatesAxis=ifrs-full_FloatingInterestRateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfInterestRatesAxis=ifrs-full_FloatingInterestRateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_RestOfEuropeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_RestOfEuropeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_GB">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_GB</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=srt_AmericasMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=srt_AmericasMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_US</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_BR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_BR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_RestOfWorldMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_RestOfWorldMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CommercialCreditMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CommercialCreditMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_SecuredLoansReceivableMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_SecuredLoansReceivableMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ReverseRepurchaseAgreementsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ReverseRepurchaseAgreementsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherTermLoansReceivablesMember">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherTermLoansReceivablesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_FinanceLeaseLoansMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ReceivableOnDemandMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CreditCardsReceivablesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ImpairedAssetsFinancialInstrumentTypeMember</td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and advances to customers - Narrative (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 888,496<span></span>
</td>
<td class="nump">&#8364; 908,963<span></span>
</td>
<td class="nump">&#8364; 914,491<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_LoansAndReceivablesCategoryMember', window );">Loans and receivables</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss', window );">Impairment losses charged to income for the year</a></td>
<td class="nump">12,535<span></span>
</td>
<td class="nump">12,136<span></span>
</td>
<td class="nump">12,298<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss', window );">Reversal of impairment loss recognised in profit or loss</a></td>
<td class="nump">1,791<span></span>
</td>
<td class="nump">1,600<span></span>
</td>
<td class="nump">1,587<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_SecuritizedLoansLoansAndAdvancesToCustomersMember', window );">Securitized loans and loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets', window );">Recognised assets representing continuing involvement in fully derecognised loans</a></td>
<td class="nump">12,174<span></span>
</td>
<td class="nump">14,919<span></span>
</td>
<td class="nump">13,923<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember', window );">Financial instruments credit-impaired | Loans and receivables</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding', window );">Written-off assets</a></td>
<td class="nump">51,435<span></span>
</td>
<td class="nump">49,939<span></span>
</td>
<td class="nump">48,138<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsPurchasedOrOriginatedCreditimpairedMember', window );">Financial instruments purchased credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">334<span></span>
</td>
<td class="nump">559<span></span>
</td>
<td class="nump">743<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsPurchasedOrOriginatedCreditimpairedMember', window );">Financial instruments purchased credit impaired | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">307<span></span>
</td>
<td class="nump">515<span></span>
</td>
<td class="nump">694<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsPurchasedOrOriginatedCreditimpairedMember', window );">Financial instruments purchased credit impaired | Customers | Business combinations carried out</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">46<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_LoansAndReceivablesWithoutConsideringPublicAdministrationMember', window );">Without considering the Public Administration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">1,024,071<span></span>
</td>
<td class="nump">1,046,039<span></span>
</td>
<td class="nump">1,032,063<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_LoansAndReceivablesWithoutConsideringPublicAdministrationMember', window );">Without considering the Public Administration | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">954,533<span></span>
</td>
<td class="nump">1,012,389<span></span>
</td>
<td class="nump">998,010<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 201,013<span></span>
</td>
<td class="nump">198,936<span></span>
</td>
<td class="nump">205,994<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsARatingMember', window );">A | Rest of the world | Public sector</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditExposurePercentage', window );">Credit exposure percentage</a></td>
<td class="nump">25.60%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsAAARatingMember', window );">AAA | Rest of the world | Public sector</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditExposurePercentage', window );">Credit exposure percentage</a></td>
<td class="nump">3.60%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsAARatingMember', window );">AA | Rest of the world | Public sector</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditExposurePercentage', window );">Credit exposure percentage</a></td>
<td class="nump">26.40%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsBBBRatingMember', window );">BBB | Rest of the world | Public sector</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditExposurePercentage', window );">Credit exposure percentage</a></td>
<td class="nump">27.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsBelowBBBRatingMember', window );">Below BBB | Rest of the world | Public sector</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditExposurePercentage', window );">Credit exposure percentage</a></td>
<td class="nump">16.40%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExternalCreditGradesAxis=san_NoRatingMember', window );">No Rating | Rest of the world | Public sector</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditExposurePercentage', window );">Credit exposure percentage</a></td>
<td class="nump">0.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">&#8364; 31,577<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Rest of the world | Public sector</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">16,248<span></span>
</td>
<td class="nump">13,593<span></span>
</td>
<td class="nump">11,530<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | A | Spain | Public sector</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">18,127<span></span>
</td>
<td class="nump">16,562<span></span>
</td>
<td class="nump">15,544<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss', window );">Impairment losses charged to income for the year</a></td>
<td class="nump">182<span></span>
</td>
<td class="nump">226<span></span>
</td>
<td class="nump">24<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss', window );">Reversal of impairment loss recognised in profit or loss</a></td>
<td class="nump">56<span></span>
</td>
<td class="nump">&#8364; 8<span></span>
</td>
<td class="nump">&#8364; 12<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersTableLineItems', window );"><strong>Loans And Advances To Customers Table [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="num">&#8364; (13,527)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The contractual amount outstanding on financial assets that were written off during the reporting period and are still subject to enforcement activity. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35L<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35L&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 133<br> -Subparagraph a<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_133_a_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LoansAndAdvancesToCustomers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and advances the entity has made to customers.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LoansAndAdvancesToCustomers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaximumExposureToCreditRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount that best represents the maximum exposure to credit risk without taking into account any collateral held or other credit enhancements (for example, netting agreements that do not qualify for offset in accordance with IAS 32). [Refer: Credit risk [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35K<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35K_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaximumExposureToCreditRisk</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets recognised in the statement of financial position representing the entity's continuing involvement in derecognised financial assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 42E<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_42E_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 126<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_126_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 129<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_129_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 250<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_250_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 250<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_250_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CreditExposurePercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of amount to total that is in exposure to loss resulting from credit risk.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CreditExposurePercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LoansAndAdvancesToCustomersTableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans And Advances To Customers Table [Line Items]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LoansAndAdvancesToCustomersTableLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_LoansAndReceivablesCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_LoansAndReceivablesCategoryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_SecuritizedLoansLoansAndAdvancesToCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_SecuritizedLoansLoansAndAdvancesToCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsPurchasedOrOriginatedCreditimpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsPurchasedOrOriginatedCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BusinessCombinationsAxis=san_BusinessCombinationsCarriedOutMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BusinessCombinationsAxis=san_BusinessCombinationsCarriedOutMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_LoansAndReceivablesWithoutConsideringPublicAdministrationMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_LoansAndReceivablesWithoutConsideringPublicAdministrationMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsARatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsARatingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_RestOfWorldMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_RestOfWorldMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_PublicSectorMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_PublicSectorMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsAAARatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsAAARatingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsAARatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsAARatingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsBBBRatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsBBBRatingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsBelowBBBRatingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsBelowBBBRatingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans and advances to customers - Schedule of loans and advances to customers in detail by activity (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">&#8364; 1,015,198<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RefinancedAndRestructuredTransactions', window );">Refinanced and restructured transactions</a></td>
<td class="nump">18,151<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdvancesToCustomers', window );">Advances to customers</a></td>
<td class="nump">22,090<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">300,026<span></span>
</td>
<td class="nump">&#8364; 283,497<span></span>
</td>
<td class="nump">&#8364; 243,203<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">1,037,288<span></span>
</td>
<td class="nump">&#8364; 1,054,069<span></span>
</td>
<td class="nump">&#8364; 1,036,349<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoanToValue1Axis=san_LTBLessThanOrEqualTo40PercentMember', window );">Less than or&#160;equal to 40%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">126,703<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RefinancedAndRestructuredTransactions', window );">Refinanced and restructured transactions</a></td>
<td class="nump">2,347<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoanToValue1Axis=san_LTV40To60PercentMember', window );">More than 40%&#160;and less&#160;than or&#160;equal to 60%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">155,022<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RefinancedAndRestructuredTransactions', window );">Refinanced and restructured transactions</a></td>
<td class="nump">2,381<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoanToValue1Axis=san_LTV60To80PercentMember', window );">More than 60%&#160;and less&#160;than or&#160;equal to 80%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">132,918<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RefinancedAndRestructuredTransactions', window );">Refinanced and restructured transactions</a></td>
<td class="nump">2,037<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoanToValue1Axis=san_IFRSLTV80To100PercentMember', window );">More than 80%&#160;and less&#160;than or&#160;equal to 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">178,789<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RefinancedAndRestructuredTransactions', window );">Refinanced and restructured transactions</a></td>
<td class="nump">2,457<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoanToValue1Axis=san_LTVMoreThan100PercentMember', window );">More than 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">62,224<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RefinancedAndRestructuredTransactions', window );">Refinanced and restructured transactions</a></td>
<td class="nump">3,383<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_PublicSectorMember', window );">Public sector</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">29,607<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_PublicSectorMember', window );">Public sector | Less than or&#160;equal to 40%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">157<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_PublicSectorMember', window );">Public sector | More than 40%&#160;and less&#160;than or&#160;equal to 60%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">168<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_PublicSectorMember', window );">Public sector | More than 60%&#160;and less&#160;than or&#160;equal to 80%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">251<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_PublicSectorMember', window );">Public sector | More than 80%&#160;and less&#160;than or&#160;equal to 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">334<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_PublicSectorMember', window );">Public sector | More than 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">274<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_OtherFinancialInstitutionsMember', window );">Other financial institutions (financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">124,684<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_OtherFinancialInstitutionsMember', window );">Other financial institutions (financial business activity) | Less than or&#160;equal to 40%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">2,045<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_OtherFinancialInstitutionsMember', window );">Other financial institutions (financial business activity) | More than 40%&#160;and less&#160;than or&#160;equal to 60%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">995<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_OtherFinancialInstitutionsMember', window );">Other financial institutions (financial business activity) | More than 60%&#160;and less&#160;than or&#160;equal to 80%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">424<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_OtherFinancialInstitutionsMember', window );">Other financial institutions (financial business activity) | More than 80%&#160;and less&#160;than or&#160;equal to 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">77,935<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_OtherFinancialInstitutionsMember', window );">Other financial institutions (financial business activity) | More than 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">598<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_NonFinancialCorporationsAndIndividualEntrepreneursMember', window );">Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">318,284<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_NonFinancialCorporationsAndIndividualEntrepreneursMember', window );">Non-financial corporations and individual entrepreneurs (non-financial business activity) | Less than or&#160;equal to 40%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">23,917<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_NonFinancialCorporationsAndIndividualEntrepreneursMember', window );">Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 40%&#160;and less&#160;than or&#160;equal to 60%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">26,942<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_NonFinancialCorporationsAndIndividualEntrepreneursMember', window );">Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 60%&#160;and less&#160;than or&#160;equal to 80%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">19,168<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_NonFinancialCorporationsAndIndividualEntrepreneursMember', window );">Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 80%&#160;and less&#160;than or&#160;equal to 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">45,306<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_NonFinancialCorporationsAndIndividualEntrepreneursMember', window );">Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">23,422<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_HouseholdsOtherMember', window );">Households - other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">542,623<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_HouseholdsOtherMember', window );">Households - other | Less than or&#160;equal to 40%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">100,584<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_HouseholdsOtherMember', window );">Households - other | More than 40%&#160;and less&#160;than or&#160;equal to 60%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">126,917<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_HouseholdsOtherMember', window );">Households - other | More than 60%&#160;and less&#160;than or&#160;equal to 80%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">113,075<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_HouseholdsOtherMember', window );">Households - other | More than 80%&#160;and less&#160;than or&#160;equal to 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">55,214<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=san_HouseholdsOtherMember', window );">Households - other | More than 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">37,930<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSUncollateralizedMember', window );">Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">359,542<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RefinancedAndRestructuredTransactions', window );">Refinanced and restructured transactions</a></td>
<td class="nump">5,546<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSUncollateralizedMember', window );">Without collateral | Public sector</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">28,423<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSUncollateralizedMember', window );">Without collateral | Other financial institutions (financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">42,687<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSUncollateralizedMember', window );">Without collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">179,529<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSUncollateralizedMember', window );">Without collateral | Households - other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">108,903<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember', window );">Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">404,014<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RefinancedAndRestructuredTransactions', window );">Refinanced and restructured transactions</a></td>
<td class="nump">6,896<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember', window );">Of&#160;which property collateral | Public sector</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">153<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember', window );">Of&#160;which property collateral | Other financial institutions (financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">1,959<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember', window );">Of&#160;which property collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">63,124<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember', window );">Of&#160;which property collateral | Households - other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">338,778<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_OtherThanPropertyCollateralPledgedMember', window );">Of&#160;which other collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">251,642<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RefinancedAndRestructuredTransactions', window );">Refinanced and restructured transactions</a></td>
<td class="nump">5,709<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_OtherThanPropertyCollateralPledgedMember', window );">Of&#160;which other collateral | Public sector</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">1,031<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_OtherThanPropertyCollateralPledgedMember', window );">Of&#160;which other collateral | Other financial institutions (financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">80,038<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_OtherThanPropertyCollateralPledgedMember', window );">Of&#160;which other collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">75,631<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_OtherThanPropertyCollateralPledgedMember', window );">Of&#160;which other collateral | Households - other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">94,942<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ConstructionAndPropertyDevelopmentLoansMember', window );">Construction and property development | Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">17,118<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ConstructionAndPropertyDevelopmentLoansMember', window );">Construction and property development | Non-financial corporations and individual entrepreneurs (non-financial business activity) | Less than or&#160;equal to 40%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">4,963<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ConstructionAndPropertyDevelopmentLoansMember', window );">Construction and property development | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 40%&#160;and less&#160;than or&#160;equal to 60%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">6,921<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ConstructionAndPropertyDevelopmentLoansMember', window );">Construction and property development | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 60%&#160;and less&#160;than or&#160;equal to 80%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">1,890<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ConstructionAndPropertyDevelopmentLoansMember', window );">Construction and property development | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 80%&#160;and less&#160;than or&#160;equal to 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">1,164<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ConstructionAndPropertyDevelopmentLoansMember', window );">Construction and property development | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">886<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ConstructionAndPropertyDevelopmentLoansMember', window );">Construction and property development | Without collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">1,294<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ConstructionAndPropertyDevelopmentLoansMember', window );">Construction and property development | Of&#160;which property collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">15,594<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ConstructionAndPropertyDevelopmentLoansMember', window );">Construction and property development | Of&#160;which other collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">230<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CivilEngineeringConstructionLoansMember', window );">Civil engineering construction | Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">2,522<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CivilEngineeringConstructionLoansMember', window );">Civil engineering construction | Non-financial corporations and individual entrepreneurs (non-financial business activity) | Less than or&#160;equal to 40%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">93<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CivilEngineeringConstructionLoansMember', window );">Civil engineering construction | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 40%&#160;and less&#160;than or&#160;equal to 60%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">84<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CivilEngineeringConstructionLoansMember', window );">Civil engineering construction | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 60%&#160;and less&#160;than or&#160;equal to 80%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">39<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CivilEngineeringConstructionLoansMember', window );">Civil engineering construction | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 80%&#160;and less&#160;than or&#160;equal to 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">470<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CivilEngineeringConstructionLoansMember', window );">Civil engineering construction | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">104<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CivilEngineeringConstructionLoansMember', window );">Civil engineering construction | Without collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">1,732<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CivilEngineeringConstructionLoansMember', window );">Civil engineering construction | Of&#160;which property collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">19<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CivilEngineeringConstructionLoansMember', window );">Civil engineering construction | Of&#160;which other collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">771<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToLargeCompaniesMember', window );">Large companies | Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">181,870<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToLargeCompaniesMember', window );">Large companies | Non-financial corporations and individual entrepreneurs (non-financial business activity) | Less than or&#160;equal to 40%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">7,177<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToLargeCompaniesMember', window );">Large companies | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 40%&#160;and less&#160;than or&#160;equal to 60%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">6,666<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToLargeCompaniesMember', window );">Large companies | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 60%&#160;and less&#160;than or&#160;equal to 80%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">6,157<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToLargeCompaniesMember', window );">Large companies | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 80%&#160;and less&#160;than or&#160;equal to 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">25,459<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToLargeCompaniesMember', window );">Large companies | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">7,909<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToLargeCompaniesMember', window );">Large companies | Without collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">128,502<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToLargeCompaniesMember', window );">Large companies | Of&#160;which property collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">17,718<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToLargeCompaniesMember', window );">Large companies | Of&#160;which other collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">35,650<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToSMEsAndIndividualEntrepreneursMember', window );">SMEs and individual entrepreneurs | Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">116,774<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToSMEsAndIndividualEntrepreneursMember', window );">SMEs and individual entrepreneurs | Non-financial corporations and individual entrepreneurs (non-financial business activity) | Less than or&#160;equal to 40%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">11,684<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToSMEsAndIndividualEntrepreneursMember', window );">SMEs and individual entrepreneurs | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 40%&#160;and less&#160;than or&#160;equal to 60%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">13,271<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToSMEsAndIndividualEntrepreneursMember', window );">SMEs and individual entrepreneurs | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 60%&#160;and less&#160;than or&#160;equal to 80%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">11,082<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToSMEsAndIndividualEntrepreneursMember', window );">SMEs and individual entrepreneurs | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 80%&#160;and less&#160;than or&#160;equal to 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">18,213<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToSMEsAndIndividualEntrepreneursMember', window );">SMEs and individual entrepreneurs | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">14,523<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToSMEsAndIndividualEntrepreneursMember', window );">SMEs and individual entrepreneurs | Without collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">48,001<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToSMEsAndIndividualEntrepreneursMember', window );">SMEs and individual entrepreneurs | Of&#160;which property collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">29,793<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToSMEsAndIndividualEntrepreneursMember', window );">SMEs and individual entrepreneurs | Of&#160;which other collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">38,980<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ResidentialLoansMember', window );">Residential | Households - other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">332,931<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ResidentialLoansMember', window );">Residential | Households - other | Less than or&#160;equal to 40%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">90,170<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ResidentialLoansMember', window );">Residential | Households - other | More than 40%&#160;and less&#160;than or&#160;equal to 60%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">116,264<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ResidentialLoansMember', window );">Residential | Households - other | More than 60%&#160;and less&#160;than or&#160;equal to 80%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">97,858<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ResidentialLoansMember', window );">Residential | Households - other | More than 80%&#160;and less&#160;than or&#160;equal to 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">25,944<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ResidentialLoansMember', window );">Residential | Households - other | More than 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">1,546<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ResidentialLoansMember', window );">Residential | Without collateral | Households - other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">1,149<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ResidentialLoansMember', window );">Residential | Of&#160;which property collateral | Households - other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">331,655<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ResidentialLoansMember', window );">Residential | Of&#160;which other collateral | Households - other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">127<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_ConsumerLoansMember', window );">Consumer loans | Households - other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">192,576<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_ConsumerLoansMember', window );">Consumer loans | Households - other | Less than or&#160;equal to 40%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">5,909<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_ConsumerLoansMember', window );">Consumer loans | Households - other | More than 40%&#160;and less&#160;than or&#160;equal to 60%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">8,063<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_ConsumerLoansMember', window );">Consumer loans | Households - other | More than 60%&#160;and less&#160;than or&#160;equal to 80%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">13,297<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_ConsumerLoansMember', window );">Consumer loans | Households - other | More than 80%&#160;and less&#160;than or&#160;equal to 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">24,977<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_ConsumerLoansMember', window );">Consumer loans | Households - other | More than 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">35,942<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_ConsumerLoansMember', window );">Consumer loans | Without collateral | Households - other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">104,388<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_ConsumerLoansMember', window );">Consumer loans | Of&#160;which property collateral | Households - other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">1,667<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_ConsumerLoansMember', window );">Consumer loans | Of&#160;which other collateral | Households - other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">86,521<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherPurposesLoansMember', window );">Other purposes | Households - other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">17,116<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherPurposesLoansMember', window );">Other purposes | Households - other | Less than or&#160;equal to 40%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">4,505<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherPurposesLoansMember', window );">Other purposes | Households - other | More than 40%&#160;and less&#160;than or&#160;equal to 60%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">2,590<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherPurposesLoansMember', window );">Other purposes | Households - other | More than 60%&#160;and less&#160;than or&#160;equal to 80%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">1,920<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherPurposesLoansMember', window );">Other purposes | Households - other | More than 80%&#160;and less&#160;than or&#160;equal to 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">4,293<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherPurposesLoansMember', window );">Other purposes | Households - other | More than 100%</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">442<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherPurposesLoansMember', window );">Other purposes | Without collateral | Households - other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">3,366<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherPurposesLoansMember', window );">Other purposes | Of&#160;which property collateral | Households - other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">5,456<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherPurposesLoansMember', window );">Other purposes | Of&#160;which other collateral | Households - other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersLineItems', window );"><strong>Loans And Advances To Customers [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansToCustomersNetOfImpairmentLosses', window );">Loans to customers, net of impairment losses</a></td>
<td class="nump">&#8364; 8,294<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AdvancesToCustomers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Advances to customers.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AdvancesToCustomers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LoansAndAdvancesToCustomersLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LoansAndAdvancesToCustomersLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LoansToCustomersNetOfImpairmentLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of loans, excluding advances and net of impairment losses, to customers such as public sector, financial institutions, non-financial corporations, and households, as of the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LoansToCustomersNetOfImpairmentLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RefinancedAndRestructuredTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of loans and receivables that are refinanced and restructured. Includes the net balance of the impairment of the accumulated value or accumulated losses in the fair value due to credit risk.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RefinancedAndRestructuredTransactions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LoanToValue1Axis=san_LTBLessThanOrEqualTo40PercentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LoanToValue1Axis=san_LTBLessThanOrEqualTo40PercentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LoanToValue1Axis=san_LTV40To60PercentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LoanToValue1Axis=san_LTV40To60PercentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LoanToValue1Axis=san_LTV60To80PercentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LoanToValue1Axis=san_LTV60To80PercentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LoanToValue1Axis=san_IFRSLTV80To100PercentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LoanToValue1Axis=san_IFRSLTV80To100PercentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LoanToValue1Axis=san_LTVMoreThan100PercentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LoanToValue1Axis=san_LTVMoreThan100PercentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_PublicSectorMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_PublicSectorMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_OtherFinancialInstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_OtherFinancialInstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_NonFinancialCorporationsAndIndividualEntrepreneursMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_NonFinancialCorporationsAndIndividualEntrepreneursMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_HouseholdsOtherMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_HouseholdsOtherMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_Collateral1Axis=san_IFRSUncollateralizedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_Collateral1Axis=san_IFRSUncollateralizedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_Collateral1Axis=san_IFRSCollateralPledgedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_Collateral1Axis=san_OtherThanPropertyCollateralPledgedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_Collateral1Axis=san_OtherThanPropertyCollateralPledgedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ConstructionAndPropertyDevelopmentLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ConstructionAndPropertyDevelopmentLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CivilEngineeringConstructionLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CivilEngineeringConstructionLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToLargeCompaniesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToLargeCompaniesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToSMEsAndIndividualEntrepreneursMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CorporateLoansToSMEsAndIndividualEntrepreneursMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ResidentialLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ResidentialLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_ConsumerLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_ConsumerLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherPurposesLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherPurposesLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</div>
</body>
</html>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>260
<FILENAME>R178.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and advances to customers - Schedule of movement of gross exposure by impairment stage (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedLineItems', window );"><strong>Disclosure of financial assets that are either past due or impaired [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="num">&#8364; (283,497)<span></span>
</td>
<td class="num">&#8364; (243,203)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="num">(300,026)<span></span>
</td>
<td class="num">(283,497)<span></span>
</td>
<td class="num">&#8364; (243,203)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedLineItems', window );"><strong>Disclosure of financial assets that are either past due or impaired [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">349<span></span>
</td>
<td class="nump">286<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">520<span></span>
</td>
<td class="nump">349<span></span>
</td>
<td class="nump">286<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedLineItems', window );"><strong>Disclosure of financial assets that are either past due or impaired [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="num">(1,054,069)<span></span>
</td>
<td class="num">(1,036,349)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="num">(1,037,288)<span></span>
</td>
<td class="num">(1,054,069)<span></span>
</td>
<td class="num">(1,036,349)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedLineItems', window );"><strong>Disclosure of financial assets that are either past due or impaired [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseThroughDerecognitionFinancialAssets', window );">Write-offs</a></td>
<td class="nump">13,266<span></span>
</td>
<td class="nump">13,212<span></span>
</td>
<td class="nump">13,847<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets', window );">Exchange differences and other changes</a></td>
<td class="nump">2,536<span></span>
</td>
<td class="nump">947<span></span>
</td>
<td class="num">(168)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedLineItems', window );"><strong>Disclosure of financial assets that are either past due or impaired [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">22,125<span></span>
</td>
<td class="nump">22,788<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">21,158<span></span>
</td>
<td class="nump">22,125<span></span>
</td>
<td class="nump">22,788<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | Financial assets at fair value through other comprehensive income and financial assets at amortised cost | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedLineItems', window );"><strong>Disclosure of financial assets that are either past due or impaired [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">1,043,436<span></span>
</td>
<td class="nump">1,039,608<span></span>
</td>
<td class="nump">1,042,174<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetChangesOnFinancialAssets', window );">Net changes on financial assets</a></td>
<td class="nump">52,443<span></span>
</td>
<td class="nump">26,776<span></span>
</td>
<td class="nump">14,805<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseThroughDerecognitionFinancialAssets', window );">Write-offs</a></td>
<td class="num">(13,266)<span></span>
</td>
<td class="num">(13,212)<span></span>
</td>
<td class="num">(13,847)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets', window );">Exchange differences and other changes</a></td>
<td class="num">(63,680)<span></span>
</td>
<td class="num">(9,736)<span></span>
</td>
<td class="num">(3,524)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">1,018,933<span></span>
</td>
<td class="nump">1,043,436<span></span>
</td>
<td class="nump">1,039,608<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | Financial assets at fair value through other comprehensive income and financial assets at amortised cost | Accumulated impairment | Financial instruments not credit-impaired | Stage 1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedLineItems', window );"><strong>Disclosure of financial assets that are either past due or impaired [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">925,413<span></span>
</td>
<td class="nump">929,133<span></span>
</td>
<td class="nump">942,861<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets', window );">To stage 2 from stage 1</a></td>
<td class="num">(39,015)<span></span>
</td>
<td class="num">(49,316)<span></span>
</td>
<td class="num">(43,278)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets', window );">To stage 3 from stage 1</a></td>
<td class="num">(12,097)<span></span>
</td>
<td class="num">(11,517)<span></span>
</td>
<td class="num">(12,636)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets', window );">To stage 1 from stage 2</a></td>
<td class="nump">16,079<span></span>
</td>
<td class="nump">21,475<span></span>
</td>
<td class="nump">15,180<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets', window );">To stage 1 from stage 3</a></td>
<td class="nump">441<span></span>
</td>
<td class="nump">447<span></span>
</td>
<td class="nump">488<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetChangesOnFinancialAssets', window );">Net changes on financial assets</a></td>
<td class="nump">69,819<span></span>
</td>
<td class="nump">43,281<span></span>
</td>
<td class="nump">29,696<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets', window );">Exchange differences and other changes</a></td>
<td class="num">(54,818)<span></span>
</td>
<td class="num">(8,090)<span></span>
</td>
<td class="num">(3,178)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">905,822<span></span>
</td>
<td class="nump">925,413<span></span>
</td>
<td class="nump">929,133<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | Financial assets at fair value through other comprehensive income and financial assets at amortised cost | Accumulated impairment | Financial instruments not credit-impaired | Stage 2 and 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedLineItems', window );"><strong>Disclosure of financial assets that are either past due or impaired [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">84,455<span></span>
</td>
<td class="nump">76,654<span></span>
</td>
<td class="nump">66,696<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets', window );">To stage 2 from stage 1</a></td>
<td class="nump">39,015<span></span>
</td>
<td class="nump">49,316<span></span>
</td>
<td class="nump">43,278<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets', window );">To stage 3 from stage 2</a></td>
<td class="num">(8,266)<span></span>
</td>
<td class="num">(10,083)<span></span>
</td>
<td class="num">(9,915)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets', window );">To stage 1 from stage 2</a></td>
<td class="num">(16,079)<span></span>
</td>
<td class="num">(21,475)<span></span>
</td>
<td class="num">(15,180)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets', window );">To stage 2 from stage 3</a></td>
<td class="nump">1,764<span></span>
</td>
<td class="nump">2,358<span></span>
</td>
<td class="nump">2,899<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetChangesOnFinancialAssets', window );">Net changes on financial assets</a></td>
<td class="num">(12,940)<span></span>
</td>
<td class="num">(11,616)<span></span>
</td>
<td class="num">(10,673)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets', window );">Exchange differences and other changes</a></td>
<td class="num">(6,369)<span></span>
</td>
<td class="num">(699)<span></span>
</td>
<td class="num">(451)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">81,580<span></span>
</td>
<td class="nump">84,455<span></span>
</td>
<td class="nump">76,654<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | Financial assets at fair value through other comprehensive income and financial assets at amortised cost | Accumulated impairment | Financial instruments credit-impaired | Stage 2 and 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedLineItems', window );"><strong>Disclosure of financial assets that are either past due or impaired [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">33,568<span></span>
</td>
<td class="nump">33,821<span></span>
</td>
<td class="nump">32,617<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets', window );">To stage 3 from stage 1</a></td>
<td class="nump">12,097<span></span>
</td>
<td class="nump">11,517<span></span>
</td>
<td class="nump">12,636<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets', window );">To stage 3 from stage 2</a></td>
<td class="nump">8,266<span></span>
</td>
<td class="nump">10,083<span></span>
</td>
<td class="nump">9,915<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets', window );">To stage 2 from stage 3</a></td>
<td class="num">(1,764)<span></span>
</td>
<td class="num">(2,358)<span></span>
</td>
<td class="num">(2,899)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets', window );">To stage 1 from stage 3</a></td>
<td class="num">(441)<span></span>
</td>
<td class="num">(447)<span></span>
</td>
<td class="num">(488)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetChangesOnFinancialAssets', window );">Net changes on financial assets</a></td>
<td class="num">(4,436)<span></span>
</td>
<td class="num">(4,889)<span></span>
</td>
<td class="num">(4,218)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseThroughDerecognitionFinancialAssets', window );">Write-offs</a></td>
<td class="num">(13,266)<span></span>
</td>
<td class="num">(13,212)<span></span>
</td>
<td class="num">(13,847)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets', window );">Exchange differences and other changes</a></td>
<td class="num">(2,493)<span></span>
</td>
<td class="num">(947)<span></span>
</td>
<td class="nump">105<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">&#8364; 31,531<span></span>
</td>
<td class="nump">&#8364; 33,568<span></span>
</td>
<td class="nump">&#8364; 33,821<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DecreaseThroughDerecognitionFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease in financial assets resulting from derecognition. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph IG20B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_IG20B&amp;doctype=Implementation%20Guidance<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DecreaseThroughDerecognitionFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from foreign exchange and other movements. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph IG20B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_IG20B&amp;doctype=Implementation%20Guidance<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from transfers from credit risk stage 1 to stage 2.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from transfers from credit risk stage 1 to stage 3.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from transfers from credit risk stage 2 to stage 1.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from transfers from credit risk stage 2 to stage 3.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from transfers from credit risk stage 3 to stage 1.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from transfers from credit risk stage 3 to stage 2.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NetChangesOnFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets from other than transfers, write-offs and exchange differences, during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NetChangesOnFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAndFinancialAssetsAtAmortisedCostMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAndFinancialAssetsAtAmortisedCostMember</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember</td>
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<td style="white-space:nowrap;">ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember</td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and advances to customers - Schedule of impairment loss and allowance for loans and advances to customers (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="num">&#8364; (283,497)<span></span>
</td>
<td class="num">&#8364; (243,203)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="num">(300,026)<span></span>
</td>
<td class="num">(283,497)<span></span>
</td>
<td class="num">&#8364; (243,203)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">349<span></span>
</td>
<td class="nump">286<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">520<span></span>
</td>
<td class="nump">349<span></span>
</td>
<td class="nump">286<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">22,125<span></span>
</td>
<td class="nump">22,788<span></span>
</td>
<td class="nump">22,684<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss', window );">Impairment losses charged to income for the year</a></td>
<td class="nump">14,144<span></span>
</td>
<td class="nump">13,428<span></span>
</td>
<td class="nump">13,805<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLoss', window );">Impairment losses charged to profit or loss</a></td>
<td class="nump">24,935<span></span>
</td>
<td class="nump">22,761<span></span>
</td>
<td class="nump">20,608<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss', window );">Impairment losses reversed with a credit to profit or loss</a></td>
<td class="num">(10,791)<span></span>
</td>
<td class="num">(9,333)<span></span>
</td>
<td class="num">(6,803)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughOtherChangesFinancialAssets', window );">Change of perimeter</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(48)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseThroughDerecognitionFinancialAssets', window );">Write-off of impaired balances against recorded impairment allowance</a></td>
<td class="num">(13,266)<span></span>
</td>
<td class="num">(13,212)<span></span>
</td>
<td class="num">(13,847)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets', window );">Exchange differences and other changes</a></td>
<td class="num">(1,845)<span></span>
</td>
<td class="num">(879)<span></span>
</td>
<td class="nump">194<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">21,158<span></span>
</td>
<td class="nump">22,125<span></span>
</td>
<td class="nump">22,788<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Individually calculated | Financial assets at amortised cost and financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">2,258<span></span>
</td>
<td class="nump">2,951<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">2,359<span></span>
</td>
<td class="nump">2,258<span></span>
</td>
<td class="nump">2,951<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Collective calculated | Financial assets at amortised cost and financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">19,867<span></span>
</td>
<td class="nump">19,837<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">18,799<span></span>
</td>
<td class="nump">19,867<span></span>
</td>
<td class="nump">19,837<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Financial instruments credit-impaired | Financial assets at amortised cost and financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">14,088<span></span>
</td>
<td class="nump">14,238<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">13,527<span></span>
</td>
<td class="nump">14,088<span></span>
</td>
<td class="nump">14,238<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Financial instruments not credit-impaired | Financial assets at amortised cost and financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">8,037<span></span>
</td>
<td class="nump">8,550<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">&#8364; 7,631<span></span>
</td>
<td class="nump">&#8364; 8,037<span></span>
</td>
<td class="nump">&#8364; 8,550<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DecreaseThroughDerecognitionFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease in financial assets resulting from derecognition. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph IG20B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_IG20B&amp;doctype=Implementation%20Guidance<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DecreaseThroughDerecognitionFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 126<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_126_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 129<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_129_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 250<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_250_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 250<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_250_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLossRecognisedInProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 133<br> -Subparagraph a<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_133_a_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from foreign exchange and other movements. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph IG20B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_IG20B&amp;doctype=Implementation%20Guidance<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 126<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_126_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 129<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_129_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 250<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_250_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 250<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_250_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughOtherChangesFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) Through Other Changes, Financial Assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughOtherChangesFinancialAssets</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MethodOfAssessmentOfExpectedCreditLossesAxis=ifrs-full_ExpectedCreditLossesIndividuallyAssessedMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MethodOfAssessmentOfExpectedCreditLossesAxis=ifrs-full_ExpectedCreditLossesCollectivelyAssessedMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and advances to customers - Schedule of changes in loss allowance and gross carrying amount (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="num">&#8364; (283,497)<span></span>
</td>
<td class="num">&#8364; (243,203)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="num">(300,026)<span></span>
</td>
<td class="num">(283,497)<span></span>
</td>
<td class="num">&#8364; (243,203)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="num">(1,054,069)<span></span>
</td>
<td class="num">(1,036,349)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="num">(1,037,288)<span></span>
</td>
<td class="num">(1,054,069)<span></span>
</td>
<td class="num">(1,036,349)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseThroughDerecognitionFinancialAssets', window );">Write-offs</a></td>
<td class="nump">13,266<span></span>
</td>
<td class="nump">13,212<span></span>
</td>
<td class="nump">13,847<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets', window );">Exchange differences and other changes</a></td>
<td class="nump">2,536<span></span>
</td>
<td class="nump">947<span></span>
</td>
<td class="num">(168)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">349<span></span>
</td>
<td class="nump">286<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">520<span></span>
</td>
<td class="nump">349<span></span>
</td>
<td class="nump">286<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">22,125<span></span>
</td>
<td class="nump">22,788<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">21,158<span></span>
</td>
<td class="nump">22,125<span></span>
</td>
<td class="nump">22,788<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">22,125<span></span>
</td>
<td class="nump">22,788<span></span>
</td>
<td class="nump">22,684<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseThroughDerecognitionFinancialAssets', window );">Write-offs</a></td>
<td class="num">(13,266)<span></span>
</td>
<td class="num">(13,212)<span></span>
</td>
<td class="num">(13,847)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets', window );">Exchange differences and other changes</a></td>
<td class="num">(1,845)<span></span>
</td>
<td class="num">(879)<span></span>
</td>
<td class="nump">194<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">21,158<span></span>
</td>
<td class="nump">22,125<span></span>
</td>
<td class="nump">22,788<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Accumulated impairment | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">8,037<span></span>
</td>
<td class="nump">8,550<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">7,631<span></span>
</td>
<td class="nump">8,037<span></span>
</td>
<td class="nump">8,550<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Accumulated impairment | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">14,088<span></span>
</td>
<td class="nump">14,238<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">13,527<span></span>
</td>
<td class="nump">14,088<span></span>
</td>
<td class="nump">14,238<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Accumulated impairment | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">22,125<span></span>
</td>
<td class="nump">22,788<span></span>
</td>
<td class="nump">22,684<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets', window );">To stage 2 from stage 1</a></td>
<td class="nump">1,887<span></span>
</td>
<td class="nump">2,050<span></span>
</td>
<td class="nump">2,258<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets', window );">To stage 3 from stage 1</a></td>
<td class="nump">4,230<span></span>
</td>
<td class="nump">4,163<span></span>
</td>
<td class="nump">3,873<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets', window );">To stage 3 from stage 2</a></td>
<td class="nump">1,571<span></span>
</td>
<td class="nump">1,853<span></span>
</td>
<td class="nump">1,901<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets', window );">To stage 1 from stage 2</a></td>
<td class="num">(384)<span></span>
</td>
<td class="num">(616)<span></span>
</td>
<td class="num">(756)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets', window );">To stage 3 from stage 2</a></td>
<td class="num">(167)<span></span>
</td>
<td class="num">(415)<span></span>
</td>
<td class="num">(638)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets', window );">To stage 1 from stage 3</a></td>
<td class="num">(43)<span></span>
</td>
<td class="num">(133)<span></span>
</td>
<td class="num">(157)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets', window );">Net changes of the exposure and modifications in the credit risk</a></td>
<td class="nump">7,050<span></span>
</td>
<td class="nump">6,706<span></span>
</td>
<td class="nump">7,530<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseThroughDerecognitionFinancialAssets', window );">Write-offs</a></td>
<td class="num">(13,266)<span></span>
</td>
<td class="num">(13,212)<span></span>
</td>
<td class="num">(13,847)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets', window );">Exchange differences and other changes</a></td>
<td class="num">(1,845)<span></span>
</td>
<td class="num">(1,059)<span></span>
</td>
<td class="num">(60)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">21,158<span></span>
</td>
<td class="nump">22,125<span></span>
</td>
<td class="nump">22,788<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Accumulated impairment | Customers | Financial instruments not credit-impaired | Stage 1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">3,293<span></span>
</td>
<td class="nump">3,596<span></span>
</td>
<td class="nump">3,626<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets', window );">To stage 2 from stage 1</a></td>
<td class="num">(847)<span></span>
</td>
<td class="num">(626)<span></span>
</td>
<td class="num">(696)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets', window );">To stage 3 from stage 1</a></td>
<td class="num">(701)<span></span>
</td>
<td class="num">(385)<span></span>
</td>
<td class="num">(405)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets', window );">To stage 1 from stage 2</a></td>
<td class="nump">82<span></span>
</td>
<td class="nump">109<span></span>
</td>
<td class="nump">149<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets', window );">To stage 1 from stage 3</a></td>
<td class="nump">16<span></span>
</td>
<td class="nump">23<span></span>
</td>
<td class="nump">27<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets', window );">Net changes of the exposure and modifications in the credit risk</a></td>
<td class="nump">1,269<span></span>
</td>
<td class="nump">755<span></span>
</td>
<td class="nump">875<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets', window );">Exchange differences and other changes</a></td>
<td class="num">(112)<span></span>
</td>
<td class="num">(179)<span></span>
</td>
<td class="nump">20<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">3,000<span></span>
</td>
<td class="nump">3,293<span></span>
</td>
<td class="nump">3,596<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Accumulated impairment | Customers | Financial instruments not credit-impaired | Stage 2 and 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">4,744<span></span>
</td>
<td class="nump">4,954<span></span>
</td>
<td class="nump">5,127<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets', window );">To stage 2 from stage 1</a></td>
<td class="nump">2,734<span></span>
</td>
<td class="nump">2,676<span></span>
</td>
<td class="nump">2,954<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets', window );">To stage 3 from stage 2</a></td>
<td class="num">(1,189)<span></span>
</td>
<td class="num">(1,591)<span></span>
</td>
<td class="num">(1,820)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets', window );">To stage 1 from stage 2</a></td>
<td class="num">(466)<span></span>
</td>
<td class="num">(725)<span></span>
</td>
<td class="num">(905)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets', window );">To stage 3 from stage 2</a></td>
<td class="nump">177<span></span>
</td>
<td class="nump">278<span></span>
</td>
<td class="nump">282<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets', window );">Net changes of the exposure and modifications in the credit risk</a></td>
<td class="num">(800)<span></span>
</td>
<td class="num">(704)<span></span>
</td>
<td class="num">(557)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets', window );">Exchange differences and other changes</a></td>
<td class="num">(569)<span></span>
</td>
<td class="num">(144)<span></span>
</td>
<td class="num">(127)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">4,631<span></span>
</td>
<td class="nump">4,744<span></span>
</td>
<td class="nump">4,954<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Accumulated impairment | Customers | Financial instruments credit-impaired | Stage 2 and 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at beginning of year</a></td>
<td class="nump">14,088<span></span>
</td>
<td class="nump">14,238<span></span>
</td>
<td class="nump">13,931<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets', window );">To stage 3 from stage 1</a></td>
<td class="nump">4,931<span></span>
</td>
<td class="nump">4,548<span></span>
</td>
<td class="nump">4,278<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets', window );">To stage 3 from stage 2</a></td>
<td class="nump">2,760<span></span>
</td>
<td class="nump">3,444<span></span>
</td>
<td class="nump">3,721<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets', window );">To stage 3 from stage 2</a></td>
<td class="num">(344)<span></span>
</td>
<td class="num">(693)<span></span>
</td>
<td class="num">(920)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets', window );">To stage 1 from stage 3</a></td>
<td class="num">(59)<span></span>
</td>
<td class="num">(156)<span></span>
</td>
<td class="num">(184)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets', window );">Net changes of the exposure and modifications in the credit risk</a></td>
<td class="nump">6,581<span></span>
</td>
<td class="nump">6,655<span></span>
</td>
<td class="nump">7,212<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseThroughDerecognitionFinancialAssets', window );">Write-offs</a></td>
<td class="num">(13,266)<span></span>
</td>
<td class="num">(13,212)<span></span>
</td>
<td class="num">(13,847)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets', window );">Exchange differences and other changes</a></td>
<td class="num">(1,164)<span></span>
</td>
<td class="num">(736)<span></span>
</td>
<td class="nump">47<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment at end of year</a></td>
<td class="nump">&#8364; 13,527<span></span>
</td>
<td class="nump">&#8364; 14,088<span></span>
</td>
<td class="nump">&#8364; 14,238<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DecreaseThroughDerecognitionFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease in financial assets resulting from derecognition. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph IG20B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_IG20B&amp;doctype=Implementation%20Guidance<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DecreaseThroughDerecognitionFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from changes in models or risk parameters. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph IG20B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_IG20B&amp;doctype=Implementation%20Guidance<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from foreign exchange and other movements. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph IG20B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_IG20B&amp;doctype=Implementation%20Guidance<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from transfers from credit risk stage 1 to stage 2.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from transfers from credit risk stage 1 to stage 3.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from transfers from credit risk stage 2 to stage 1.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from transfers from credit risk stage 2 to stage 3.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from transfers from credit risk stage 3 to stage 1.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from transfers from credit risk stage 3 to stage 2.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and advances to customers - Schedule of changes in the impairment losses for loans and advances to customers (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets at beginning of period</a></td>
<td class="nump">&#8364; 283,497<span></span>
</td>
<td class="nump">&#8364; 243,203<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets at end of period</a></td>
<td class="nump">300,026<span></span>
</td>
<td class="nump">283,497<span></span>
</td>
<td class="nump">&#8364; 243,203<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets at beginning of period</a></td>
<td class="nump">1,054,069<span></span>
</td>
<td class="nump">1,036,349<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets at end of period</a></td>
<td class="nump">1,037,288<span></span>
</td>
<td class="nump">1,054,069<span></span>
</td>
<td class="nump">1,036,349<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | Gross carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets at beginning of period</a></td>
<td class="nump">1,076,194<span></span>
</td>
<td class="nump">1,059,137<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets at end of period</a></td>
<td class="nump">1,058,446<span></span>
</td>
<td class="nump">1,076,194<span></span>
</td>
<td class="nump">1,059,137<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseThroughOriginationOrPurchaseFinancialAssets', window );">Net additions</a></td>
<td class="nump">13,648<span></span>
</td>
<td class="nump">13,779<span></span>
</td>
<td class="nump">14,944<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseThroughDerecognitionFinancialAssets', window );">Written-off assets</a></td>
<td class="num">(13,266)<span></span>
</td>
<td class="num">(13,212)<span></span>
</td>
<td class="num">(13,847)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets', window );">Changes in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">17<span></span>
</td>
<td class="num">(59)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets', window );">Exchange differences and other</a></td>
<td class="num">(2,536)<span></span>
</td>
<td class="num">(947)<span></span>
</td>
<td class="nump">168<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | Financial instruments credit-impaired | Gross carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets at beginning of period</a></td>
<td class="nump">33,731<span></span>
</td>
<td class="nump">34,094<span></span>
</td>
<td class="nump">32,888<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets at end of period</a></td>
<td class="nump">&#8364; 31,577<span></span>
</td>
<td class="nump">&#8364; 33,731<span></span>
</td>
<td class="nump">&#8364; 34,094<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DecreaseThroughDerecognitionFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease in financial assets resulting from derecognition. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph IG20B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_IG20B&amp;doctype=Implementation%20Guidance<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DecreaseThroughDerecognitionFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from foreign exchange and other movements. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph IG20B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_IG20B&amp;doctype=Implementation%20Guidance<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseThroughOriginationOrPurchaseFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase in financial assets resulting from origination or purchase. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph IG20B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_IG20B&amp;doctype=Implementation%20Guidance<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseThroughOriginationOrPurchaseFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of increase (decrease) in financial assets due to changes in the scope of consolidation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<FILENAME>R182.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<title></title>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and advances to customers - Schedule of financial assets that are either past due or impaired, with or without collateral (Details) - Financial instruments credit-impaired<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedCollateralHeldValue', window );">Estimated collateral value</a></td>
<td class="nump">&#8364; 11,081<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSUncollateralizedMember', window );">Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedCollateralHeldValue', window );">Estimated collateral value</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember', window );">Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedCollateralHeldValue', window );">Estimated collateral value</a></td>
<td class="nump">5,657<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_OtherThanPropertyCollateralPledgedMember', window );">Of&#160;which other collateral</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedCollateralHeldValue', window );">Estimated collateral value</a></td>
<td class="nump">5,424<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">31,577<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">13,846<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">7,777<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Of&#160;which other collateral</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">9,954<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="num">(13,527)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="num">(8,133)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="num">(1,759)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Of&#160;which other collateral</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="num">&#8364; (3,635)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LoansAndAdvancesToCustomers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and advances the entity has made to customers.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LoansAndAdvancesToCustomers</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EstimatedCollateralHeldValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Estimated value of collaterals held which are associated with loan receivables.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EstimatedCollateralHeldValue</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_Collateral1Axis=san_IFRSUncollateralizedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_Collateral1Axis=san_IFRSUncollateralizedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_Collateral1Axis=san_IFRSCollateralPledgedMember</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_Collateral1Axis=san_OtherThanPropertyCollateralPledgedMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember</td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>265
<FILENAME>R183.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans and advances to customers - Schedule of the breakdown of the securitized loans (Details) - Securitized loans and loans and advances to customers - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionLineItems', window );"><strong>Disclosure of transferred financial assets that are not derecognised in their entirety [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsThatEntityContinuesToRecognise', window );">Securitized loans retained on the balance sheet</a></td>
<td class="nump">&#8364; 80,072<span></span>
</td>
<td class="nump">&#8364; 80,824<span></span>
</td>
<td class="nump">&#8364; 75,738<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_MortgagesMember', window );">Securitised mortgage assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionLineItems', window );"><strong>Disclosure of transferred financial assets that are not derecognised in their entirety [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsThatEntityContinuesToRecognise', window );">Securitized loans retained on the balance sheet</a></td>
<td class="nump">19,640<span></span>
</td>
<td class="nump">17,782<span></span>
</td>
<td class="nump">16,994<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_MortgagesMember', window );">Securitised mortgage assets | United Kingdom</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionLineItems', window );"><strong>Disclosure of transferred financial assets that are not derecognised in their entirety [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsThatEntityContinuesToRecognise', window );">Securitized loans retained on the balance sheet</a></td>
<td class="nump">10,236<span></span>
</td>
<td class="nump">9,034<span></span>
</td>
<td class="nump">6,096<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_LoansBackedByAssetsRatherThanMortgagesMember', window );">Other securitised assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionLineItems', window );"><strong>Disclosure of transferred financial assets that are not derecognised in their entirety [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsThatEntityContinuesToRecognise', window );">Securitized loans retained on the balance sheet</a></td>
<td class="nump">&#8364; 60,432<span></span>
</td>
<td class="nump">&#8364; 63,042<span></span>
</td>
<td class="nump">&#8364; 58,744<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AssetsThatEntityContinuesToRecognise">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of transferred financial assets that the entity continues to recognise in full. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 73<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_73_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 42D<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_42D_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 73<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_73_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AssetsThatEntityContinuesToRecognise</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionLineItems</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_SecuritizedLoansLoansAndAdvancesToCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_MortgagesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_GB">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_GB</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_LoansBackedByAssetsRatherThanMortgagesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_LoansBackedByAssetsRatherThanMortgagesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>266
<FILENAME>R184.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Trading derivatives (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">&#8364; 505,992<span></span>
</td>
<td class="nump">&#8364; 511,727<span></span>
</td>
<td class="nump">&#8364; 418,294<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_TradingDerivativesMember', window );">Trading derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">10,250,140<span></span>
</td>
<td class="nump">9,978,141<span></span>
</td>
<td class="nump">7,837,818<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DerivativeFairValue', window );">Market value</a></td>
<td class="nump">6,387<span></span>
</td>
<td class="nump">6,347<span></span>
</td>
<td class="nump">5,739<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_TradingDerivativesMember', window );">Trading derivatives | Forward rate agreements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">1,995,070<span></span>
</td>
<td class="nump">1,992,413<span></span>
</td>
<td class="nump">829,913<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DerivativeFairValue', window );">Market value</a></td>
<td class="num">(32)<span></span>
</td>
<td class="nump">13<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_TradingDerivativesMember', window );">Trading derivatives | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">6,166,278<span></span>
</td>
<td class="nump">6,127,812<span></span>
</td>
<td class="nump">5,381,966<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DerivativeFairValue', window );">Market value</a></td>
<td class="nump">6,324<span></span>
</td>
<td class="nump">6,364<span></span>
</td>
<td class="nump">5,514<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_TradingDerivativesMember', window );">Trading derivatives | Options, futures and other derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">470,659<span></span>
</td>
<td class="nump">377,285<span></span>
</td>
<td class="nump">398,519<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DerivativeFairValue', window );">Market value</a></td>
<td class="num">(472)<span></span>
</td>
<td class="num">(297)<span></span>
</td>
<td class="num">(51)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_TradingDerivativesMember', window );">Trading derivatives | Credit default swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">64,924<span></span>
</td>
<td class="nump">41,111<span></span>
</td>
<td class="nump">22,462<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DerivativeFairValue', window );">Market value</a></td>
<td class="num">(3,135)<span></span>
</td>
<td class="num">(572)<span></span>
</td>
<td class="num">(86)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_TradingDerivativesMember', window );">Trading derivatives | Foreign currency purchases and sales</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">611,850<span></span>
</td>
<td class="nump">514,268<span></span>
</td>
<td class="nump">471,955<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DerivativeFairValue', window );">Market value</a></td>
<td class="nump">1,282<span></span>
</td>
<td class="nump">595<span></span>
</td>
<td class="nump">33<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_TradingDerivativesMember', window );">Trading derivatives | Foreign currency options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">160,421<span></span>
</td>
<td class="nump">221,159<span></span>
</td>
<td class="nump">77,934<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DerivativeFairValue', window );">Market value</a></td>
<td class="nump">441<span></span>
</td>
<td class="nump">528<span></span>
</td>
<td class="nump">288<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_TradingDerivativesMember', window );">Trading derivatives | Currency swap contract</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">682,350<span></span>
</td>
<td class="nump">625,765<span></span>
</td>
<td class="nump">586,405<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DerivativeFairValue', window );">Market value</a></td>
<td class="nump">2,526<span></span>
</td>
<td class="num">(838)<span></span>
</td>
<td class="num">(581)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_TradingDerivativesMember', window );">Trading derivatives | Securities and commodities derivatives and other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">98,588<span></span>
</td>
<td class="nump">78,328<span></span>
</td>
<td class="nump">68,664<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DerivativeFairValue', window );">Market value</a></td>
<td class="num">&#8364; (547)<span></span>
</td>
<td class="nump">&#8364; 554<span></span>
</td>
<td class="nump">&#8364; 619<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialInstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NotionalAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The nominal or face amount of a financial instrument, used to calculate payments made on that instrument.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NotionalAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DerivativeFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Derivative fair value.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DerivativeFairValue</td>
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<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_TradingDerivativesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_TradingDerivativesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_ForwardContractMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_ForwardContractMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_InterestRateSwapContractMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_InterestRateSwapContractMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OptionContractAndFuturesContractAndOtherDerivativesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OptionContractAndFuturesContractAndOtherDerivativesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CreditDefaultSwap1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CreditDefaultSwap1Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ForeignCurrencyPurchasesAndSalesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ForeignCurrencyPurchasesAndSalesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ForeignCurrencyOptionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ForeignCurrencyOptionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_CurrencySwapContractMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_CurrencySwapContractMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_SecuritiesAndCommoditiesDerivativesAndOtherMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</div>
</body>
</html>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Non-current assets held for sale and liabilities associated with non-current assets held for sale - Schedule of non-current assets classified as held for sale (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems', window );"><strong>Assets And Liabilities Classified As Held For Sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">&#8364; 27,438<span></span>
</td>
<td class="nump">&#8364; 32,087<span></span>
</td>
<td class="nump">&#8364; 33,882<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">Total non-current assets held for sale</a></td>
<td class="nump">75,011<span></span>
</td>
<td class="nump">4,002<span></span>
</td>
<td class="nump">3,014<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherAssets', window );">Other assets</a></td>
<td class="nump">8,719<span></span>
</td>
<td class="nump">8,559<span></span>
</td>
<td class="nump">8,856<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale', window );">Total Liabilities associated with non-current assets held for sale</a></td>
<td class="nump">62,995<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis=ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleMember', window );">Assets and liabilities classified as held for sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems', window );"><strong>Assets And Liabilities Classified As Held For Sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">2,850<span></span>
</td>
<td class="nump">2,851<span></span>
</td>
<td class="nump">2,991<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">Total non-current assets held for sale</a></td>
<td class="nump">75,011<span></span>
</td>
<td class="nump">4,002<span></span>
</td>
<td class="nump">3,014<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherAssets', window );">Other assets</a></td>
<td class="nump">13<span></span>
</td>
<td class="nump">14<span></span>
</td>
<td class="nump">23<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale', window );">Total Liabilities associated with non-current assets held for sale</a></td>
<td class="nump">62,995<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis=ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleMember', window );">Assets and liabilities classified as held for sale | Santander Bank Polska S.A. (Note 3)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems', window );"><strong>Assets And Liabilities Classified As Held For Sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">Total non-current assets held for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,137<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis=ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleMember', window );">Assets and liabilities classified as held for sale | Foreclosed assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems', window );"><strong>Assets And Liabilities Classified As Held For Sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">2,487<span></span>
</td>
<td class="nump">2,621<span></span>
</td>
<td class="nump">2,773<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis=ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleMember', window );">Assets and liabilities classified as held for sale | Other Tangible Assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems', window );"><strong>Assets And Liabilities Classified As Held For Sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">363<span></span>
</td>
<td class="nump">230<span></span>
</td>
<td class="nump">218<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis=ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleMember', window );">Assets and liabilities classified as held for sale | Spain | Foreclosed assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems', window );"><strong>Assets And Liabilities Classified As Held For Sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">1,705<span></span>
</td>
<td class="nump">1,896<span></span>
</td>
<td class="nump">2,138<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis=ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleMember', window );">Assets and liabilities classified as held for sale | Total for all subsidiaries | Total for all associates</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems', window );"><strong>Assets And Liabilities Classified As Held For Sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">Total non-current assets held for sale</a></td>
<td class="nump">72,148<span></span>
</td>
<td class="nump">1,137<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis=ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleMember', window );">Assets and liabilities classified as held for sale | Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems', window );"><strong>Assets And Liabilities Classified As Held For Sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">Total non-current assets held for sale</a></td>
<td class="nump">72,148<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale', window );">Total Liabilities associated with non-current assets held for sale</a></td>
<td class="nump">&#8364; 62,995<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities included in disposal groups classified as held for sale. [Refer: Liabilities; Disposal groups classified as held for sale [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 38<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_38&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph p<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_p&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of non-current assets or disposal groups classified as held for sale. [Refer: Disposal groups classified as held for sale [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 38<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_38&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of tangible assets that are both held for use and expected to used during more than one period. May include property, plant and equipment and investment properties.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TangibleAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis=ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis=ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CaceisMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CaceisMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfAssetsAxis=san_ForeclosedAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=san_ForeclosedAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfAssetsAxis=san_OtherTangibleAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=san_OtherTangibleAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=ifrs-full_SubsidiariesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=ifrs-full_SubsidiariesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=ifrs-full_AssociatesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=ifrs-full_AssociatesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Non-current assets held for sale and liabilities associated with non-current assets held for sale - Narrative (Details) - Assets and liabilities classified as held for sale - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems', window );"><strong>Assets And Liabilities Classified As Held For Sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets', window );">Provision recognised for non-current assets held for sale</a></td>
<td class="nump">&#8364; 2,357<span></span>
</td>
<td class="nump">&#8364; 2,606<span></span>
</td>
<td class="nump">&#8364; 2,956<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges', window );">Net charges recorded against valuation allowances</a></td>
<td class="nump">131<span></span>
</td>
<td class="nump">163<span></span>
</td>
<td class="nump">139<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries', window );">Recoveries</a></td>
<td class="nump">59<span></span>
</td>
<td class="nump">&#8364; 71<span></span>
</td>
<td class="nump">&#8364; 88<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis=ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleMember', window );">Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems', window );"><strong>Assets And Liabilities Classified As Held For Sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RemeasurementOfDisposalGroupOrAssetsHeldForSaleWriteOff', window );">Remeasurement of disposal group or assets held for sale, write-off</a></td>
<td class="nump">&#8364; 2,339<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AssetsAndLiabilitiesClassifiedAsHeldForSaleLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Charges for the period against the valuation allowance for non-current assets held for sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of recoveries during the period for the valuation allowance for noncurrent assets held for sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Provision Recognised For Non-Current Assets Held For Sale, Tangible Assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RemeasurementOfDisposalGroupOrAssetsHeldForSaleWriteOff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Remeasurement of Disposal Group or Assets Held for Sale, Write-off</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RemeasurementOfDisposalGroupOrAssetsHeldForSaleWriteOff</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis=ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis=ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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</table></div>
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</body>
</html>
</TEXT>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>269
<FILENAME>R187.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Non-current assets held for sale and liabilities associated with non-current assets held for sale - Discontinued operations, Condensed financial statements (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Aug. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">Cash, cash balances at central banks and other deposits on demand</a></td>
<td class="nump">&#8364; 152,281<span></span>
</td>
<td class="nump">&#8364; 192,208<span></span>
</td>
<td class="nump">&#8364; 220,342<span></span>
</td>
<td class="nump">&#8364; 96,923<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">252,318<span></span>
</td>
<td class="nump">230,253<span></span>
</td>
<td class="nump">176,921<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">74,612<span></span>
</td>
<td class="nump">89,898<span></span>
</td>
<td class="nump">83,308<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">1,202,689<span></span>
</td>
<td class="nump">1,203,707<span></span>
</td>
<td class="nump">1,191,403<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets</a></td>
<td class="nump">5,350<span></span>
</td>
<td class="nump">5,821<span></span>
</td>
<td class="nump">5,854<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 4,904<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TaxAssets', window );">Tax assets</a></td>
<td class="nump">30,076<span></span>
</td>
<td class="nump">30,596<span></span>
</td>
<td class="nump">31,390<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherAssets', window );">Other assets</a></td>
<td class="nump">8,719<span></span>
</td>
<td class="nump">8,559<span></span>
</td>
<td class="nump">8,856<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">1,867,515<span></span>
</td>
<td class="nump">1,837,081<span></span>
</td>
<td class="nump">1,797,062<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">171,546<span></span>
</td>
<td class="nump">152,151<span></span>
</td>
<td class="nump">122,270<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">1,421,184<span></span>
</td>
<td class="nump">1,484,322<span></span>
</td>
<td class="nump">1,468,703<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">8,355<span></span>
</td>
<td class="nump">8,407<span></span>
</td>
<td class="nump">8,441<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 8,149<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TaxLiabilities', window );">Tax liabilities</a></td>
<td class="nump">9,568<span></span>
</td>
<td class="nump">9,598<span></span>
</td>
<td class="nump">9,932<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherLiabilities', window );">Other liabilities</a></td>
<td class="nump">15,937<span></span>
</td>
<td class="nump">16,344<span></span>
</td>
<td class="nump">17,598<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">1,754,767<span></span>
</td>
<td class="nump">1,729,754<span></span>
</td>
<td class="nump">1,692,821<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfComprehensiveIncomeAbstract', window );"><strong>Statement of comprehensive income [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss', window );">ITEMS THAT WILL NOT BE RECLASSIFIED TO PROFIT OR LOSS:</a></td>
<td class="num">(4,121)<span></span>
</td>
<td class="num">(4,757)<span></span>
</td>
<td class="num">(5,212)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfRemeasurementsOfDefinedBenefitPlans', window );">Actuarial gains and losses on defined benefit pension plans</a></td>
<td class="num">(3,896)<span></span>
</td>
<td class="num">(4,404)<span></span>
</td>
<td class="num">(4,324)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments', window );">Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income</a></td>
<td class="num">(250)<span></span>
</td>
<td class="num">(432)<span></span>
</td>
<td class="num">(776)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss', window );">ITEMS THAT MAY BE RECLASSIFIED TO PROFIT OR LOSS:</a></td>
<td class="num">(33,853)<span></span>
</td>
<td class="num">(31,838)<span></span>
</td>
<td class="num">(29,808)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments', window );">Hedges of net investments in foreign operations (Effective portion)</a></td>
<td class="num">(7,343)<span></span>
</td>
<td class="num">(8,002)<span></span>
</td>
<td class="num">(8,684)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Exchange differences</a></td>
<td class="num">(25,475)<span></span>
</td>
<td class="num">(22,375)<span></span>
</td>
<td class="num">(19,510)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfCashFlowHedges', window );">Cash flow hedges (effective portion)</a></td>
<td class="nump">333<span></span>
</td>
<td class="num">(298)<span></span>
</td>
<td class="num">(740)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Debt instruments at fair value with changes in other comprehensive income</a></td>
<td class="num">(372)<span></span>
</td>
<td class="num">(736)<span></span>
</td>
<td class="num">(555)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities', window );">Share in other income and expenses recognised in investments, joint ventures and associates</a></td>
<td class="num">(395)<span></span>
</td>
<td class="num">(427)<span></span>
</td>
<td class="num">(319)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfCashFlowsAbstract', window );"><strong>Condensed consolidated statements of cash flows</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents', window );">D) Effect of foreign exchange rate differences</a></td>
<td class="num">(8,908)<span></span>
</td>
<td class="nump">5,243<span></span>
</td>
<td class="num">(322)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember', window );">Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfCashFlowsAbstract', window );"><strong>Condensed consolidated statements of cash flows</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations', window );">A) Cash flows from operating activities</a></td>
<td class="nump">1,405<span></span>
</td>
<td class="nump">1,705<span></span>
</td>
<td class="nump">352<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations', window );">B) Cash flows from investing activities</a></td>
<td class="num">(98)<span></span>
</td>
<td class="num">(96)<span></span>
</td>
<td class="num">(91)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations', window );">C) Cash flows from financing activities</a></td>
<td class="num">(1,301)<span></span>
</td>
<td class="num">(1,194)<span></span>
</td>
<td class="num">(591)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations', window );">E) Net increase/(decrease) in cash and cash equivalents</a></td>
<td class="nump">26<span></span>
</td>
<td class="nump">442<span></span>
</td>
<td class="num">(187)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ContinuingAndDiscontinuedOperationsAxis=ifrs-full_DiscontinuedOperationsMember', window );">Discontinued operations | Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">Cash, cash balances at central banks and other deposits on demand</a></td>
<td class="nump">2,515<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">1,956<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">8,173<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">55,642<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets</a></td>
<td class="nump">1,335<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TaxAssets', window );">Tax assets</a></td>
<td class="nump">1,224<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherAssets', window );">Other assets</a></td>
<td class="nump">1,303<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">72,148<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">842<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">59,704<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">603<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TaxLiabilities', window );">Tax liabilities</a></td>
<td class="nump">1,335<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherLiabilities', window );">Other liabilities</a></td>
<td class="nump">511<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">62,995<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfComprehensiveIncomeAbstract', window );"><strong>Statement of comprehensive income [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss', window );">ITEMS THAT WILL NOT BE RECLASSIFIED TO PROFIT OR LOSS:</a></td>
<td class="nump">56<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfRemeasurementsOfDefinedBenefitPlans', window );">Actuarial gains and losses on defined benefit pension plans</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments', window );">Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income</a></td>
<td class="nump">56<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss', window );">ITEMS THAT MAY BE RECLASSIFIED TO PROFIT OR LOSS:</a></td>
<td class="num">(590)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments', window );">Hedges of net investments in foreign operations (Effective portion)</a></td>
<td class="num">(522)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Exchange differences</a></td>
<td class="num">(164)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfCashFlowHedges', window );">Cash flow hedges (effective portion)</a></td>
<td class="nump">98<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Debt instruments at fair value with changes in other comprehensive income</a></td>
<td class="nump">8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities', window );">Share in other income and expenses recognised in investments, joint ventures and associates</a></td>
<td class="num">(10)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfCashFlowsAbstract', window );"><strong>Condensed consolidated statements of cash flows</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents', window );">D) Effect of foreign exchange rate differences</a></td>
<td class="nump">&#8364; 20<span></span>
</td>
<td class="nump">&#8364; 27<span></span>
</td>
<td class="nump">&#8364; 143<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a present economic resource controlled by the entity as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash on hand and demand deposits, along with short-term, highly liquid investments that are readily convertible to known amounts of cash and that are subject to an insignificant risk of changes in value. [Refer: Cash; Cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_a&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 169<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_169&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 169<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_169&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash flows from (used in) the entity's financing activities, related to discontinued operations. [Refer: Discontinued operations [member]; Cash flows from (used in) financing activities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash flows from (used in) the entity's investing activities, related to discontinued operations. [Refer: Discontinued operations [member]; Cash flows from (used in) investing activities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash flows from (used in) the entity's operating activities, related to discontinued operations. [Refer: Discontinued operations [member]; Cash flows from (used in) operating activities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The effect of exchange rate changes on cash and cash equivalents held or due in a foreign currency. [Refer: Cash and cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at amortised cost. The amortised cost is the amount at which financial assets are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount, and adjusted for any impairment. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss classified as held for trading. A financial asset is classified as held for trading if: (a) it is acquired principally for the purpose of selling it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: At fair value [member]; Financial assets at fair value through profit or loss, mandatorily measured at fair value]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at amortised cost. The amortised cost is the amount at which financial liabilities are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount. [Refer: Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at fair value through profit or loss that meet the definition of held for trading. A financial liability is classified as held for trading if: (a) it is acquired or incurred principally for the purpose of selling or repurchasing it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: Financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IntangibleAssetsOtherThanGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of identifiable non-monetary assets without physical substance. This amount does not include goodwill. [Refer: Goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 38<br> -IssueDate 2025-01-01<br> -Paragraph 118<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_118_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 263<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_263_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 263<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_263_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IntangibleAssetsOtherThanGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Liabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a present obligation of the entity to transfer an economic resource as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Provisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities of uncertain timing or amount, including provisions for employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph l<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_l&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Provisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReserveOfCashFlowHedges">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the accumulated portion of gain (loss) on a hedging instrument that is determined to be an effective hedge for cash flow hedges. [Refer: Cash flow hedges [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 9<br> -IssueDate 2025-01-01<br> -Paragraph 6.5.11<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=9&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_6.5.11&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReserveOfCashFlowHedges</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing exchange differences on translation of financial statements recognised in other comprehensive income and accumulated in equity. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 21<br> -IssueDate 2025-01-01<br> -Paragraph 52<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_52_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 218<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_218_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 218<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_218_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReserveOfExchangeDifferencesOnTranslation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the reserve of gains and losses on financial assets measured at fair value through other comprehensive income. [Refer: Financial assets measured at fair value through other comprehensive income; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the accumulated gains and losses on hedging instruments that hedge investments in equity instruments that the entity has designated at fair value through other comprehensive income.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReserveOfRemeasurementsOfDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the accumulated remeasurements of defined benefit plans. [Refer: Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReserveOfRemeasurementsOfDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_StatementOfCashFlowsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_StatementOfCashFlowsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_StatementOfComprehensiveIncomeAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_StatementOfComprehensiveIncomeAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The portion of The portion of other recognized income and expense of investments in subsidiaries, joint ventures and associated entities that is recognised in other comprehensive income and may be reclassified to profit or loss.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) In Cash And Cash Equivalents After Effect Of Foreign Exchange Rates, Discontinued Operations</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of other reserves that may be reclassified to profit or loss that is attributable to parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of other reserves not reclassified to profit or loss that is attributable to parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TaxAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The excess of amount paid for tax in respect of current, prior, and future periods over the amount due for those periods.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TaxAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TaxLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of tax for current, prior, and future periods to the extent unpaid.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Investments - Summary of investments by company (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod', window );">Associated entities</a></td>
<td class="nump">&#8364; 5,096<span></span>
</td>
<td class="nump">&#8364; 5,216<span></span>
</td>
<td class="nump">&#8364; 5,682<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod', window );">Joint venture entities</a></td>
<td class="nump">1,956<span></span>
</td>
<td class="nump">2,061<span></span>
</td>
<td class="nump">1,964<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentAccountedForUsingEquityMethod', window );">INVESTMENTS</a></td>
<td class="nump">7,052<span></span>
</td>
<td class="nump">7,277<span></span>
</td>
<td class="nump">7,646<span></span>
</td>
<td class="nump">&#8364; 7,615<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_JointVenturesAxis=san_SantanderCACEISLatamHolding1SLMember', window );">Santander Caceis Latam Holding 1, S.L</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod', window );">Joint venture entities</a></td>
<td class="nump">404<span></span>
</td>
<td class="nump">381<span></span>
</td>
<td class="nump">389<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_JointVenturesAxis=san_SantanderVidaSegurosYReasegurosMember', window );">Santander Vida Seguros y Reaseguros, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod', window );">Joint venture entities</a></td>
<td class="nump">329<span></span>
</td>
<td class="nump">356<span></span>
</td>
<td class="nump">362<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_JointVenturesAxis=san_UnionDeCreditosInmobiliariosSAEFCMember', window );">U.C.I., S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod', window );">Joint venture entities</a></td>
<td class="nump">293<span></span>
</td>
<td class="nump">325<span></span>
</td>
<td class="nump">349<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_JointVenturesAxis=san_FortuneAutoFinanceCoLtdMember', window );">Fortune Auto Finance Co., Ltd</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod', window );">Joint venture entities</a></td>
<td class="nump">232<span></span>
</td>
<td class="nump">261<span></span>
</td>
<td class="nump">254<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_JointVenturesAxis=san_HyundaiCapitalUKLimitedMember', window );">Hyundai Capital UK Limited</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod', window );">Joint venture entities</a></td>
<td class="nump">270<span></span>
</td>
<td class="nump">249<span></span>
</td>
<td class="nump">205<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_JointVenturesAxis=san_VolvoCarFinancialServicesUKLtd.Member', window );">Volvo Car Financial Services UK Limited</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod', window );">Joint venture entities</a></td>
<td class="nump">116<span></span>
</td>
<td class="nump">99<span></span>
</td>
<td class="nump">76<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_JointVenturesAxis=san_BancoRCIBrasilSAMember', window );">Banco RCI Brasil S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod', window );">Joint venture entities</a></td>
<td class="nump">77<span></span>
</td>
<td class="nump">94<span></span>
</td>
<td class="nump">92<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_JointVenturesAxis=ifrs-full_AggregatedIndividuallyImmaterialJointVenturesMember', window );">Other companies</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod', window );">Joint venture entities</a></td>
<td class="nump">235<span></span>
</td>
<td class="nump">296<span></span>
</td>
<td class="nump">237<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_MerlinPropertiesSocimiSAMember', window );">Merlin Properties, SOCIMI, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod', window );">Associated entities</a></td>
<td class="nump">1,830<span></span>
</td>
<td class="nump">1,803<span></span>
</td>
<td class="nump">1,621<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_ZurichSantanderInsuranceAmericaSLMember', window );">Zurich Santander Insurance America, S.L. - Consolidated</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod', window );">Associated entities</a></td>
<td class="nump">940<span></span>
</td>
<td class="nump">884<span></span>
</td>
<td class="nump">936<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_MetrovacesaSAMember', window );">Metrovacesa, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod', window );">Associated entities</a></td>
<td class="nump">748<span></span>
</td>
<td class="nump">841<span></span>
</td>
<td class="nump">899<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CNPSantanderMember', window );">CNP Santander</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod', window );">Associated entities</a></td>
<td class="nump">399<span></span>
</td>
<td class="nump">397<span></span>
</td>
<td class="nump">423<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_PluxeeBeneficiosBrasilS.A.Member', window );">Pluxee Beneficios Brasil, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod', window );">Associated entities</a></td>
<td class="nump">295<span></span>
</td>
<td class="nump">&#8364; 309<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PercentageOfVotingEquityInterestsAcquired', window );">Percentage of voting equity interests acquired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">20.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CaceisMember', window );">Caceis (Notes 3 and 12)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod', window );">Associated entities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">1,139<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=ifrs-full_AggregatedIndividuallyImmaterialAssociatesMember', window );">Other companies</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod', window );">Associated entities</a></td>
<td class="nump">&#8364; 884<span></span>
</td>
<td class="nump">&#8364; 982<span></span>
</td>
<td class="nump">&#8364; 664<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of investments accounted for using the equity method. The equity method is a method of accounting whereby the investment is initially recognised at cost and adjusted thereafter for the post-acquisition change in the investor's share of net assets of the investee. The investor's profit or loss includes its share of the profit or loss of the investee. The investor's other comprehensive income includes its share of the other comprehensive income of the investee. [Refer: At cost [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B16<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B16&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 89<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_89&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 89<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_89&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of investments in associates accounted for using the equity method. [Refer: Total for all associates [member]; Investments accounted for using equity method]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentsInAssociatesAccountedForUsingEquityMethod</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of investments in joint ventures accounted for using the equity method. [Refer: Total for all joint ventures [member]; Investments accounted for using equity method]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentsInJointVenturesAccountedForUsingEquityMethod</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of voting equity interests acquired in a business combination. [Refer: Total for all business combinations [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2025-01-01<br> -Paragraph B64<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B64_c&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PercentageOfVotingEquityInterestsAcquired</td>
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<tr>
<td><strong> Name:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_JointVenturesAxis=san_SantanderVidaSegurosYReasegurosMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_JointVenturesAxis=san_UnionDeCreditosInmobiliariosSAEFCMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_JointVenturesAxis=san_FortuneAutoFinanceCoLtdMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_JointVenturesAxis=san_FortuneAutoFinanceCoLtdMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_JointVenturesAxis=san_HyundaiCapitalUKLimitedMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_JointVenturesAxis=san_VolvoCarFinancialServicesUKLtd.Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_JointVenturesAxis=san_VolvoCarFinancialServicesUKLtd.Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_JointVenturesAxis=san_BancoRCIBrasilSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_JointVenturesAxis=ifrs-full_AggregatedIndividuallyImmaterialJointVenturesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_MerlinPropertiesSocimiSAMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_ZurichSantanderInsuranceAmericaSLMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_MetrovacesaSAMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CNPSantanderMember</td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_PluxeeBeneficiosBrasilS.A.Member</td>
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<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CaceisMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Investments - Summary of goodwill of the main investments in joint ventures and associates (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">&#8364; 11,958<span></span>
</td>
<td class="nump">&#8364; 13,438<span></span>
</td>
<td class="nump">&#8364; 14,017<span></span>
</td>
<td class="nump">&#8364; 13,741<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_ZurichSantanderInsuranceAmericaSLMember', window );">Zurich Santander Insurance America, S.L. - Consolidated</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">526<span></span>
</td>
<td class="nump">526<span></span>
</td>
<td class="nump">526<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_PluxeeBeneficiosBrasilS.A.Member', window );">Pluxee Beneficios Brasil, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">71<span></span>
</td>
<td class="nump">&#8364; 122<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PercentageOfVotingEquityInterestsAcquired', window );">Percentage of voting equity interests acquired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">20.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CaceisMember', window );">Caceis (Notes 3 and 12)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">337<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EquityMethodInvestmentsAxis=san_AssociatesAndJointVenturesMember', window );">Associates and&#160;joint ventures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">&#8364; 1,096<span></span>
</td>
<td class="nump">&#8364; 1,238<span></span>
</td>
<td class="nump">&#8364; 1,460<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognised. [Refer: Total for all business combinations [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 134<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_134_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 135<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_135_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2025-01-01<br> -Paragraph B67<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B67_d&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 254<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_254_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 255<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_255_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 254<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_254_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 255<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_255_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 37<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_37&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 37<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_37&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Goodwill</td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of voting equity interests acquired in a business combination. [Refer: Total for all business combinations [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2025-01-01<br> -Paragraph B64<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B64_c&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investments - Summary of changes in investments (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">&#8364; 7,277<span></span>
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<td class="nump">&#8364; 7,646<span></span>
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<td class="nump">&#8364; 7,615<span></span>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InvestmentsInSubsidiariesJointVenturesAndAssociatesAcquisitionsDisposalsAndCapitalIncreasesReductions', window );">Acquisitions (disposals) of companies and capital increases (reductions)</a></td>
<td class="num">(17)<span></span>
</td>
<td class="nump">1,011<span></span>
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<td class="nump">52<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ChangesInScopeOfConsolidation', window );">Changes in the consolidation method (Note 3)</a></td>
<td class="nump">15<span></span>
</td>
<td class="num">(13)<span></span>
</td>
<td class="num">(43)<span></span>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale', window );">Entities for sale (Notes 3 y 12)</a></td>
<td class="num">(168)<span></span>
</td>
<td class="num">(1,137)<span></span>
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<td class="nump">0<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod', window );">Effect of equity accounting</a></td>
<td class="nump">665<span></span>
</td>
<td class="nump">687<span></span>
</td>
<td class="nump">591<span></span>
</td>
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<tr class="re">
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<td class="num">(694)<span></span>
</td>
<td class="num">(745)<span></span>
</td>
<td class="num">(565)<span></span>
</td>
</tr>
<tr class="ro">
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<td class="nump">28<span></span>
</td>
<td class="num">(32)<span></span>
</td>
<td class="num">(24)<span></span>
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<tr class="re">
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<td class="num">(54)<span></span>
</td>
<td class="num">(140)<span></span>
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<td class="nump">20<span></span>
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<td class="nump">7,052<span></span>
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<td class="nump">7,277<span></span>
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<td class="nump">7,646<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_ZurichSantanderInsuranceAmericaSLMember', window );">Zurich Santander Insurance America, S.L. - Consolidated</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DividendsPaidAndReimbursementsOfSharePremium', window );">Dividends distributed and reimbursements of share premium</a></td>
<td class="num">(206)<span></span>
</td>
<td class="num">(202)<span></span>
</td>
<td class="num">(202)<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_MetrovacesaSAMember', window );">Metrovacesa, S.A.</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DividendsPaidAndReimbursementsOfSharePremium', window );">Dividends distributed and reimbursements of share premium</a></td>
<td class="num">(118)<span></span>
</td>
<td class="num">(52)<span></span>
</td>
<td class="num">(50)<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_MerlinPropertiesSocimiSAMember', window );">Merlin Properties, SOCIMI, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DividendsPaidAndReimbursementsOfSharePremium', window );">Dividends distributed and reimbursements of share premium</a></td>
<td class="num">(57)<span></span>
</td>
<td class="num">(53)<span></span>
</td>
<td class="num">(51)<span></span>
</td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CNPSantanderMember', window );">CNP Santander</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DividendsPaidAndReimbursementsOfSharePremium', window );">Dividends distributed and reimbursements of share premium</a></td>
<td class="num">(54)<span></span>
</td>
<td class="num">(88)<span></span>
</td>
<td class="num">(51)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CIPS.A.Member', window );">CIP S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DividendsPaidAndReimbursementsOfSharePremium', window );">Dividends distributed and reimbursements of share premium</a></td>
<td class="num">(16)<span></span>
</td>
<td class="num">(56)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CaceisMember', window );">Caceis (Notes 3 and 12)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DividendsPaidAndReimbursementsOfSharePremium', window );">Dividends distributed and reimbursements of share premium</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(114)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_HyundaiCapitalUKLimitedMember', window );">Hyundai Capital UK Limited</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DividendsPaidAndReimbursementsOfSharePremium', window );">Dividends distributed and reimbursements of share premium</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="num">(58)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_PluxeeBeneficiosBrasilS.A.Member', window );">Pluxee Beneficios Brasil, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PercentageOfVotingEquityInterestsAcquired', window );">Percentage of voting equity interests acquired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">20.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_JointVenturesAxis=san_SantanderVidaSegurosYReasegurosMember', window );">Santander Vida Seguros y Reaseguros, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DividendsPaidAndReimbursementsOfSharePremium', window );">Dividends distributed and reimbursements of share premium</a></td>
<td class="num">&#8364; (87)<span></span>
</td>
<td class="num">&#8364; (82)<span></span>
</td>
<td class="num">&#8364; (52)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of investments accounted for using the equity method. The equity method is a method of accounting whereby the investment is initially recognised at cost and adjusted thereafter for the post-acquisition change in the investor's share of net assets of the investee. The investor's profit or loss includes its share of the profit or loss of the investee. The investor's other comprehensive income includes its share of the other comprehensive income of the investee. [Refer: At cost [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B16<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B16&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 89<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_89&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 89<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_89&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentAccountedForUsingEquityMethod</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of voting equity interests acquired in a business combination. [Refer: Total for all business combinations [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2025-01-01<br> -Paragraph B64<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B64_c&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PercentageOfVotingEquityInterestsAcquired</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Changes In Scope Of Consolidation</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ChangesInScopeOfConsolidation</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Dividends Paid And Reimbursements Of Share Premium</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DividendsPaidAndReimbursementsOfSharePremium</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Exchange Differences And Other Changes</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Investment Accounted For Using Equity Method, Transfers To Non Current Assets, Entities For Sale</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InvestmentsInSubsidiariesJointVenturesAndAssociatesAcquisitionsDisposalsAndCapitalIncreasesReductions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Investments In Subsidiaries Joint Ventures And Associates, Acquisitions (Disposals) And Capital Increases (Reductions)</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InvestmentsInSubsidiariesJointVenturesAndAssociatesAcquisitionsDisposalsAndCapitalIncreasesReductions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherGlobalResult">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Global Result</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherGlobalResult</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_ZurichSantanderInsuranceAmericaSLMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_ZurichSantanderInsuranceAmericaSLMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_MetrovacesaSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_MerlinPropertiesSocimiSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_MerlinPropertiesSocimiSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CNPSantanderMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CNPSantanderMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CIPS.A.Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CaceisMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CaceisMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_HyundaiCapitalUKLimitedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_HyundaiCapitalUKLimitedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_PluxeeBeneficiosBrasilS.A.Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_PluxeeBeneficiosBrasilS.A.Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_JointVenturesAxis=san_SantanderVidaSegurosYReasegurosMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
<title></title>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investments - Summary of financial information on the main associates and joint ventures (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">&#8364; 1,867,515<span></span>
</td>
<td class="nump">&#8364; 1,837,081<span></span>
</td>
<td class="nump">&#8364; 1,797,062<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">1,754,767<span></span>
</td>
<td class="nump">1,729,754<span></span>
</td>
<td class="nump">1,692,821<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit or loss for the year</a></td>
<td class="nump">15,500<span></span>
</td>
<td class="nump">13,744<span></span>
</td>
<td class="nump">12,183<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedOtherComprehensiveIncome', window );">Other accumulated comprehensive income</a></td>
<td class="num">(37,974)<span></span>
</td>
<td class="num">(36,595)<span></span>
</td>
<td class="num">(35,020)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity</a></td>
<td class="nump">112,748<span></span>
</td>
<td class="nump">107,327<span></span>
</td>
<td class="nump">104,241<span></span>
</td>
<td class="nump">&#8364; 97,585<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAndLiabilities', window );">TOTAL LIABILITIES AND EQUITY</a></td>
<td class="nump">1,867,515<span></span>
</td>
<td class="nump">1,837,081<span></span>
</td>
<td class="nump">1,797,062<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit (loss) from continuing operations</a></td>
<td class="nump">13,958<span></span>
</td>
<td class="nump">12,503<span></span>
</td>
<td class="nump">11,125<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit/(loss) after tax from discontinued operations</a></td>
<td class="nump">1,542<span></span>
</td>
<td class="nump">&#8364; 1,241<span></span>
</td>
<td class="nump">&#8364; 1,058<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember', window );">Aggregate amounts for entities accounted for using the equity method | Merlin Properties, SOCIMI, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentAssets', window );">Current assets</a></td>
<td class="nump">1,701<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssets', window );">Non current assets</a></td>
<td class="nump">11,758<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">13,459<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentLiabilities', window );">Current liabilities</a></td>
<td class="nump">840<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentLiabilities', window );">Non current liabilities</a></td>
<td class="nump">5,118<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">5,958<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit or loss for the year</a></td>
<td class="nump">284<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedOtherComprehensiveIncome', window );">Other accumulated comprehensive income</a></td>
<td class="num">(11)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RestOfEquity', window );">Rest of equity</a></td>
<td class="nump">7,228<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity</a></td>
<td class="nump">7,501<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAndLiabilities', window );">TOTAL LIABILITIES AND EQUITY</a></td>
<td class="nump">13,459<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromOperatingActivities', window );">Ordinary activities income</a></td>
<td class="nump">544<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit (loss) from continuing operations</a></td>
<td class="nump">284<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit/(loss) after tax from discontinued operations</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember', window );">Aggregate amounts for entities accounted for using the equity method | Metrovacesa, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentAssets', window );">Current assets</a></td>
<td class="nump">2,025<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssets', window );">Non current assets</a></td>
<td class="nump">389<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">2,414<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentLiabilities', window );">Current liabilities</a></td>
<td class="nump">507<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentLiabilities', window );">Non current liabilities</a></td>
<td class="nump">310<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">817<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit or loss for the year</a></td>
<td class="nump">16<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedOtherComprehensiveIncome', window );">Other accumulated comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RestOfEquity', window );">Rest of equity</a></td>
<td class="nump">1,581<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity</a></td>
<td class="nump">1,597<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAndLiabilities', window );">TOTAL LIABILITIES AND EQUITY</a></td>
<td class="nump">2,414<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromOperatingActivities', window );">Ordinary activities income</a></td>
<td class="nump">658<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit (loss) from continuing operations</a></td>
<td class="nump">16<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit/(loss) after tax from discontinued operations</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember', window );">Aggregate amounts for entities accounted for using the equity method | Pluxee Beneficios Brasil, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentAssets', window );">Current assets</a></td>
<td class="nump">689<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssets', window );">Non current assets</a></td>
<td class="nump">652<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">1,341<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentLiabilities', window );">Current liabilities</a></td>
<td class="nump">254<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentLiabilities', window );">Non current liabilities</a></td>
<td class="nump">578<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">832<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit or loss for the year</a></td>
<td class="nump">87<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedOtherComprehensiveIncome', window );">Other accumulated comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RestOfEquity', window );">Rest of equity</a></td>
<td class="nump">422<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity</a></td>
<td class="nump">509<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAndLiabilities', window );">TOTAL LIABILITIES AND EQUITY</a></td>
<td class="nump">1,341<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromOperatingActivities', window );">Ordinary activities income</a></td>
<td class="nump">457<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit (loss) from continuing operations</a></td>
<td class="nump">87<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit/(loss) after tax from discontinued operations</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember', window );">Aggregate amounts for entities accounted for using the equity method | Zurich Santander Insurance America, S.L. - Consolidated</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentAssets', window );">Current assets</a></td>
<td class="nump">2,434<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssets', window );">Non current assets</a></td>
<td class="nump">20,190<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">22,624<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentLiabilities', window );">Current liabilities</a></td>
<td class="nump">657<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentLiabilities', window );">Non current liabilities</a></td>
<td class="nump">21,021<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">21,678<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit or loss for the year</a></td>
<td class="nump">534<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedOtherComprehensiveIncome', window );">Other accumulated comprehensive income</a></td>
<td class="num">(33)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RestOfEquity', window );">Rest of equity</a></td>
<td class="nump">445<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity</a></td>
<td class="nump">946<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAndLiabilities', window );">TOTAL LIABILITIES AND EQUITY</a></td>
<td class="nump">22,624<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromOperatingActivities', window );">Ordinary activities income</a></td>
<td class="nump">4,559<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit (loss) from continuing operations</a></td>
<td class="nump">534<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit/(loss) after tax from discontinued operations</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember', window );">Aggregate amounts for entities accounted for using the equity method | CNP Santander</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentAssets', window );">Current assets</a></td>
<td class="nump">165<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssets', window );">Non current assets</a></td>
<td class="nump">2,139<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">2,304<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentLiabilities', window );">Current liabilities</a></td>
<td class="nump">186<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentLiabilities', window );">Non current liabilities</a></td>
<td class="nump">1,726<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">1,912<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit or loss for the year</a></td>
<td class="nump">101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedOtherComprehensiveIncome', window );">Other accumulated comprehensive income</a></td>
<td class="num">(9)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RestOfEquity', window );">Rest of equity</a></td>
<td class="nump">300<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity</a></td>
<td class="nump">392<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAndLiabilities', window );">TOTAL LIABILITIES AND EQUITY</a></td>
<td class="nump">2,304<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromOperatingActivities', window );">Ordinary activities income</a></td>
<td class="nump">568<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit (loss) from continuing operations</a></td>
<td class="nump">101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit/(loss) after tax from discontinued operations</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember', window );">Aggregate amounts for entities accounted for using the equity method | Santander Caceis Latam Holding 1, S.L</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentAssets', window );">Current assets</a></td>
<td class="nump">201<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssets', window );">Non current assets</a></td>
<td class="nump">579<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">780<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentLiabilities', window );">Current liabilities</a></td>
<td class="nump">315<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentLiabilities', window );">Non current liabilities</a></td>
<td class="nump">35<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">350<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit or loss for the year</a></td>
<td class="nump">97<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedOtherComprehensiveIncome', window );">Other accumulated comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RestOfEquity', window );">Rest of equity</a></td>
<td class="nump">333<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity</a></td>
<td class="nump">430<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAndLiabilities', window );">TOTAL LIABILITIES AND EQUITY</a></td>
<td class="nump">780<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromOperatingActivities', window );">Ordinary activities income</a></td>
<td class="nump">163<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit (loss) from continuing operations</a></td>
<td class="nump">97<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit/(loss) after tax from discontinued operations</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember', window );">Aggregate amounts for entities accounted for using the equity method | U.C.I., S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentAssets', window );">Current assets</a></td>
<td class="nump">397<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssets', window );">Non current assets</a></td>
<td class="nump">8,876<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">9,273<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentLiabilities', window );">Current liabilities</a></td>
<td class="nump">6,930<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentLiabilities', window );">Non current liabilities</a></td>
<td class="nump">1,715<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">8,645<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit or loss for the year</a></td>
<td class="num">(75)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedOtherComprehensiveIncome', window );">Other accumulated comprehensive income</a></td>
<td class="nump">114<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RestOfEquity', window );">Rest of equity</a></td>
<td class="nump">589<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity</a></td>
<td class="nump">628<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAndLiabilities', window );">TOTAL LIABILITIES AND EQUITY</a></td>
<td class="nump">9,273<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromOperatingActivities', window );">Ordinary activities income</a></td>
<td class="nump">499<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit (loss) from continuing operations</a></td>
<td class="num">(75)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit/(loss) after tax from discontinued operations</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember', window );">Aggregate amounts for entities accounted for using the equity method | Hyundai Capital UK Limited</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentAssets', window );">Current assets</a></td>
<td class="nump">2,022<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssets', window );">Non current assets</a></td>
<td class="nump">3,665<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">5,687<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentLiabilities', window );">Current liabilities</a></td>
<td class="nump">3,685<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentLiabilities', window );">Non current liabilities</a></td>
<td class="nump">1,480<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">5,165<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit or loss for the year</a></td>
<td class="nump">77<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedOtherComprehensiveIncome', window );">Other accumulated comprehensive income</a></td>
<td class="num">(1)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RestOfEquity', window );">Rest of equity</a></td>
<td class="nump">446<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity</a></td>
<td class="nump">522<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAndLiabilities', window );">TOTAL LIABILITIES AND EQUITY</a></td>
<td class="nump">5,687<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromOperatingActivities', window );">Ordinary activities income</a></td>
<td class="nump">426<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit (loss) from continuing operations</a></td>
<td class="nump">77<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit/(loss) after tax from discontinued operations</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember', window );">Aggregate amounts for entities accounted for using the equity method | Fortune Auto Finance Co., Ltd</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentAssets', window );">Current assets</a></td>
<td class="nump">167<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssets', window );">Non current assets</a></td>
<td class="nump">1,933<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">2,100<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentLiabilities', window );">Current liabilities</a></td>
<td class="nump">10<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentLiabilities', window );">Non current liabilities</a></td>
<td class="nump">1,627<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">1,637<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit or loss for the year</a></td>
<td class="nump">20<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedOtherComprehensiveIncome', window );">Other accumulated comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RestOfEquity', window );">Rest of equity</a></td>
<td class="nump">443<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity</a></td>
<td class="nump">463<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAndLiabilities', window );">TOTAL LIABILITIES AND EQUITY</a></td>
<td class="nump">2,100<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromOperatingActivities', window );">Ordinary activities income</a></td>
<td class="nump">159<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit (loss) from continuing operations</a></td>
<td class="nump">20<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit/(loss) after tax from discontinued operations</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember', window );">Aggregate amounts for entities accounted for using the equity method | Santander Seguros y Reaseguros, Compa&#241;&#237;a Aseguradora, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentAssets', window );">Current assets</a></td>
<td class="nump">157<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssets', window );">Non current assets</a></td>
<td class="nump">1,710<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">1,867<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentLiabilities', window );">Current liabilities</a></td>
<td class="nump">140<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentLiabilities', window );">Non current liabilities</a></td>
<td class="nump">1,243<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">1,383<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit or loss for the year</a></td>
<td class="nump">145<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedOtherComprehensiveIncome', window );">Other accumulated comprehensive income</a></td>
<td class="num">(21)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RestOfEquity', window );">Rest of equity</a></td>
<td class="nump">360<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity</a></td>
<td class="nump">484<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAndLiabilities', window );">TOTAL LIABILITIES AND EQUITY</a></td>
<td class="nump">1,867<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromOperatingActivities', window );">Ordinary activities income</a></td>
<td class="nump">907<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit (loss) from continuing operations</a></td>
<td class="nump">145<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit/(loss) after tax from discontinued operations</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember', window );">Aggregate amounts for entities accounted for using the equity method | Banco RCI Brasil S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems', window );"><strong>Disclosure of associates [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentAssets', window );">Current assets</a></td>
<td class="nump">10<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentAssets', window );">Non current assets</a></td>
<td class="nump">2,221<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">2,231<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentLiabilities', window );">Current liabilities</a></td>
<td class="nump">112<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncurrentLiabilities', window );">Non current liabilities</a></td>
<td class="nump">1,924<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">2,036<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit or loss for the year</a></td>
<td class="nump">54<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedOtherComprehensiveIncome', window );">Other accumulated comprehensive income</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RestOfEquity', window );">Rest of equity</a></td>
<td class="nump">137<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity</a></td>
<td class="nump">195<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAndLiabilities', window );">TOTAL LIABILITIES AND EQUITY</a></td>
<td class="nump">2,231<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromOperatingActivities', window );">Ordinary activities income</a></td>
<td class="nump">312<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit (loss) from continuing operations</a></td>
<td class="nump">54<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit/(loss) after tax from discontinued operations</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AccumulatedOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a present economic resource controlled by the entity as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CurrentAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that the entity (a) expects to realise or intends to sell or consume in its normal operating cycle; (b) holds primarily for the purpose of trading; (c) expects to realise within twelve months after the reporting period; or (d) classifies as cash or cash equivalents (as defined in IAS 7) unless the asset is restricted from being exchanged or used to settle a liability for at least twelve months after the reporting period. [Refer: Assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_i&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CurrentAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CurrentLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that: (a) the entity expects to settle in its normal operating cycle; (b) the entity holds primarily for the purpose of trading; (c) are due to be settled within twelve months after the reporting period; or (d) the entity does not have the right at the end of the reporting period to defer settlement for at least twelve months after the reporting period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_iii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 69<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_69&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CurrentLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfSignificantInvestmentsInAssociatesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Equity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of residual interest in the assets of the entity after deducting all its liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Equity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EquityAndLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of the entity's equity and liabilities. [Refer: Equity; Liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EquityAndLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Liabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a present obligation of the entity to transfer an economic resource as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NoncurrentAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that do not meet the definition of current assets. [Refer: Current assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_ii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NoncurrentAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NoncurrentLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that do not meet the definition of current liabilities. [Refer: Current liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_iv&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 69<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_69&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NoncurrentLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses from continuing and discontinued operations, excluding the components of other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 113<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing operations. [Refer: Continuing operations, unless line item indicates otherwise [member]; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_vi&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause vii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_vii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 98<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_98_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph ea<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_ea&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 32<br> -IssueDate 2025-01-01<br> -Paragraph IE33<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=32&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_IE33&amp;doctype=Illustrative%20Examples<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RestOfEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Rest Of Equity</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RestOfEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LegalEntityAxis=san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=san_AggregateAmountsForEntitiesAccountedForUsingEquityMethodMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_MerlinPropertiesSocimiSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_MerlinPropertiesSocimiSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_MetrovacesaSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_MetrovacesaSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_PluxeeBeneficiosBrasilS.A.Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_PluxeeBeneficiosBrasilS.A.Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_ZurichSantanderInsuranceAmericaSLMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_ZurichSantanderInsuranceAmericaSLMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CNPSantanderMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CNPSantanderMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_JointVenturesAxis=san_SantanderCACEISLatamHolding1SLMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_JointVenturesAxis=san_SantanderCACEISLatamHolding1SLMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Insurance contracts linked to pensions (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="nump">&#8364; 67<span></span>
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<td class="nump">&#8364; 81<span></span>
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<td class="nump">&#8364; 93<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems', window );"><strong>Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsIssuedThatAreAssets', window );">Insurance contracts that are assets</a></td>
<td class="nump">&#8364; 67<span></span>
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<td class="nump">&#8364; 81<span></span>
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<td class="nump">&#8364; 93<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of insurance contracts issued that are assets. [Refer: Assets; Insurance contracts issued [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_78_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph da<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_da&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InsuranceContractsIssuedThatAreAssets</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Liabilities under insurance contracts - Schedule of liabilities under insurance contracts and reinsurance assets in the consolidated balance sheets (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems', window );"><strong>Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsIssuedThatAreLiabilities', window );">Liabilities under insurance contracts</a></td>
<td class="nump">&#8364; 18,737<span></span>
</td>
<td class="nump">&#8364; 17,829<span></span>
</td>
<td class="nump">&#8364; 17,799<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsAxis=san_NetLiabilitiesOrAssetsForRemainingCoverageMember', window );">Liability for Remaining Coverage (LRC)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems', window );"><strong>Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsIssuedThatAreLiabilities', window );">Liabilities under insurance contracts</a></td>
<td class="nump">18,291<span></span>
</td>
<td class="nump">17,377<span></span>
</td>
<td class="nump">17,333<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsAxis=ifrs-full_LossComponentMember', window );">Loss component</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems', window );"><strong>Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsIssuedThatAreLiabilities', window );">Liabilities under insurance contracts</a></td>
<td class="nump">18,194<span></span>
</td>
<td class="nump">17,292<span></span>
</td>
<td class="nump">17,262<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsAxis=ifrs-full_NetLiabilitiesOrAssetsForRemainingCoverageExcludingLossComponentMember', window );">Liabilities relating to insurance contracts measured under PAA</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems', window );"><strong>Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsIssuedThatAreLiabilities', window );">Liabilities under insurance contracts</a></td>
<td class="nump">97<span></span>
</td>
<td class="nump">85<span></span>
</td>
<td class="nump">71<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsAxis=ifrs-full_LiabilitiesForIncurredClaimsMember', window );">Liability for incurred claims (LIC)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems', window );"><strong>Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsIssuedThatAreLiabilities', window );">Liabilities under insurance contracts</a></td>
<td class="nump">446<span></span>
</td>
<td class="nump">452<span></span>
</td>
<td class="nump">466<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsByComponentsAxis=ifrs-full_EstimatesOfPresentValueOfFutureCashFlowsMember', window );">Estimates of present value of future cash flows | Loss component</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems', window );"><strong>Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsIssuedThatAreLiabilities', window );">Liabilities under insurance contracts</a></td>
<td class="nump">17,461<span></span>
</td>
<td class="nump">16,614<span></span>
</td>
<td class="nump">16,627<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsByComponentsAxis=ifrs-full_RiskAdjustmentForNonfinancialRiskMember', window );">Risk adjustment for non-financial risk | Loss component</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems', window );"><strong>Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsIssuedThatAreLiabilities', window );">Liabilities under insurance contracts</a></td>
<td class="nump">186<span></span>
</td>
<td class="nump">199<span></span>
</td>
<td class="nump">211<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsByComponentsAxis=ifrs-full_ContractualServiceMarginMember', window );">Contractual service margin | Loss component</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems', window );"><strong>Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsIssuedThatAreLiabilities', window );">Liabilities under insurance contracts</a></td>
<td class="nump">&#8364; 547<span></span>
</td>
<td class="nump">&#8364; 479<span></span>
</td>
<td class="nump">&#8364; 424<span></span>
</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems</td>
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<td>xbrli:stringItemType</td>
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<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of insurance contracts issued that are liabilities. [Refer: Liabilities; Insurance contracts issued [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_78_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph ma<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_ma&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InsuranceContractsIssuedThatAreLiabilities</td>
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<td>instant</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsAxis=san_NetLiabilitiesOrAssetsForRemainingCoverageMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsAxis=ifrs-full_LossComponentMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsAxis=ifrs-full_NetLiabilitiesOrAssetsForRemainingCoverageExcludingLossComponentMember</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsAxis=ifrs-full_LiabilitiesForIncurredClaimsMember</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InsuranceContractsByComponentsAxis=ifrs-full_EstimatesOfPresentValueOfFutureCashFlowsMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InsuranceContractsByComponentsAxis=ifrs-full_RiskAdjustmentForNonfinancialRiskMember</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InsuranceContractsByComponentsAxis=ifrs-full_ContractualServiceMarginMember</td>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Liabilities under insurance contracts - Narrative (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuredCapitalOfPremiumContributedPercentageReceivedByBeneficiaries', window );">Insured capital of premium contributed, percentage received by beneficiaries</a></td>
<td class="nump">101.00%<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Insured Capital of Premium Contributed, Percentage Received by Beneficiaries</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InsuredCapitalOfPremiumContributedPercentageReceivedByBeneficiaries</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>277
<FILENAME>R195.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Tangible assets - Disclosure of changes in tangible assets in the consolidated balance sheets (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="nump">&#8364; 32,087<span></span>
</td>
<td class="nump">&#8364; 33,882<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="nump">27,438<span></span>
</td>
<td class="nump">32,087<span></span>
</td>
<td class="nump">&#8364; 33,882<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_PropertyPlantAndEquipmentPurchasedForOwnUseMember', window );">For&#160;own&#160;use</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="nump">12,636<span></span>
</td>
<td class="nump">13,408<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="nump">11,663<span></span>
</td>
<td class="nump">12,636<span></span>
</td>
<td class="nump">13,408<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember', window );">Leased out&#160;under an&#160;operating lease</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="nump">18,576<span></span>
</td>
<td class="nump">19,518<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="nump">14,753<span></span>
</td>
<td class="nump">18,576<span></span>
</td>
<td class="nump">19,518<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_InvestmentPropertyMember', window );">Investment property</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="nump">875<span></span>
</td>
<td class="nump">956<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="nump">1,022<span></span>
</td>
<td class="nump">875<span></span>
</td>
<td class="nump">956<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_RightofuseAssetsMember', window );">Right-of-use for operating lease</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="nump">1,918<span></span>
</td>
<td class="nump">2,183<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="nump">1,556<span></span>
</td>
<td class="nump">1,918<span></span>
</td>
<td class="nump">2,183<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_RightofuseAssetsMember', window );">Right-of-use for operating lease | For&#160;own&#160;use</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="nump">1,918<span></span>
</td>
<td class="nump">2,183<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="nump">1,556<span></span>
</td>
<td class="nump">1,918<span></span>
</td>
<td class="nump">2,183<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_RightofuseAssetsMember', window );">Right-of-use for operating lease | Leased out&#160;under an&#160;operating lease</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_RightofuseAssetsMember', window );">Right-of-use for operating lease | Investment property</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="nump">50,510<span></span>
</td>
<td class="nump">53,123<span></span>
</td>
<td class="nump">53,316<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">11<span></span>
</td>
<td class="num">(1,164)<span></span>
</td>
<td class="nump">48<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="num">(2,335)<span></span>
</td>
<td class="num">(1,003)<span></span>
</td>
<td class="nump">1,830<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="num">(3,400)<span></span>
</td>
<td class="num">(446)<span></span>
</td>
<td class="num">(2,071)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="nump">44,786<span></span>
</td>
<td class="nump">50,510<span></span>
</td>
<td class="nump">53,123<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Cost | For&#160;own&#160;use</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="nump">25,656<span></span>
</td>
<td class="nump">26,243<span></span>
</td>
<td class="nump">26,570<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">28<span></span>
</td>
<td class="nump">11<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="nump">326<span></span>
</td>
<td class="nump">730<span></span>
</td>
<td class="nump">1,122<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="num">(1,845)<span></span>
</td>
<td class="num">(1,345)<span></span>
</td>
<td class="num">(1,460)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="nump">24,141<span></span>
</td>
<td class="nump">25,656<span></span>
</td>
<td class="nump">26,243<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Cost | Leased out&#160;under an&#160;operating lease</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="nump">23,399<span></span>
</td>
<td class="nump">25,304<span></span>
</td>
<td class="nump">25,166<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(1,192)<span></span>
</td>
<td class="nump">37<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="num">(2,603)<span></span>
</td>
<td class="num">(1,716)<span></span>
</td>
<td class="nump">742<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="num">(1,743)<span></span>
</td>
<td class="nump">1,003<span></span>
</td>
<td class="num">(641)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="nump">19,053<span></span>
</td>
<td class="nump">23,399<span></span>
</td>
<td class="nump">25,304<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Cost | Investment property</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="nump">1,455<span></span>
</td>
<td class="nump">1,576<span></span>
</td>
<td class="nump">1,580<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="num">(58)<span></span>
</td>
<td class="num">(17)<span></span>
</td>
<td class="num">(34)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="nump">188<span></span>
</td>
<td class="num">(104)<span></span>
</td>
<td class="nump">30<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="nump">1,592<span></span>
</td>
<td class="nump">1,455<span></span>
</td>
<td class="nump">1,576<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Cost | Right-of-use for operating lease</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="nump">4,781<span></span>
</td>
<td class="nump">4,837<span></span>
</td>
<td class="nump">4,692<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(13)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="num">(40)<span></span>
</td>
<td class="nump">179<span></span>
</td>
<td class="nump">125<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="num">(450)<span></span>
</td>
<td class="num">(235)<span></span>
</td>
<td class="nump">33<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="nump">4,291<span></span>
</td>
<td class="nump">4,781<span></span>
</td>
<td class="nump">4,837<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Cost | Right-of-use for operating lease | For&#160;own&#160;use</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="nump">4,781<span></span>
</td>
<td class="nump">4,837<span></span>
</td>
<td class="nump">4,692<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(13)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="num">(40)<span></span>
</td>
<td class="nump">179<span></span>
</td>
<td class="nump">125<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="num">(450)<span></span>
</td>
<td class="num">(235)<span></span>
</td>
<td class="nump">33<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="nump">4,291<span></span>
</td>
<td class="nump">4,781<span></span>
</td>
<td class="nump">4,837<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Cost | Right-of-use for operating lease | Leased out&#160;under an&#160;operating lease</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Cost | Right-of-use for operating lease | Investment property</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedDepreciationAndAmortisationMember', window );">Accumulated depreciation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="num">(17,565)<span></span>
</td>
<td class="num">(18,618)<span></span>
</td>
<td class="num">(18,642)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">686<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="nump">3,091<span></span>
</td>
<td class="nump">3,886<span></span>
</td>
<td class="nump">2,824<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DepreciationPropertyPlantAndEquipment', window );">Charge for the&#160;year</a></td>
<td class="num">(1,331)<span></span>
</td>
<td class="num">(1,553)<span></span>
</td>
<td class="num">(1,700)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="num">(799)<span></span>
</td>
<td class="num">(1,966)<span></span>
</td>
<td class="num">(1,107)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="num">(16,604)<span></span>
</td>
<td class="num">(17,565)<span></span>
</td>
<td class="num">(18,618)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedDepreciationAndAmortisationMember', window );">Accumulated depreciation | For&#160;own&#160;use</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="num">(12,619)<span></span>
</td>
<td class="num">(12,637)<span></span>
</td>
<td class="num">(12,892)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="nump">663<span></span>
</td>
<td class="nump">672<span></span>
</td>
<td class="nump">284<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DepreciationPropertyPlantAndEquipment', window );">Charge for the&#160;year</a></td>
<td class="num">(1,323)<span></span>
</td>
<td class="num">(1,544)<span></span>
</td>
<td class="num">(1,689)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="nump">1,150<span></span>
</td>
<td class="nump">890<span></span>
</td>
<td class="nump">1,653<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="num">(12,129)<span></span>
</td>
<td class="num">(12,619)<span></span>
</td>
<td class="num">(12,637)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedDepreciationAndAmortisationMember', window );">Accumulated depreciation | Leased out&#160;under an&#160;operating lease</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="num">(4,784)<span></span>
</td>
<td class="num">(5,782)<span></span>
</td>
<td class="num">(5,578)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">686<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="nump">2,428<span></span>
</td>
<td class="nump">3,214<span></span>
</td>
<td class="nump">2,540<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DepreciationPropertyPlantAndEquipment', window );">Charge for the&#160;year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="num">(1,917)<span></span>
</td>
<td class="num">(2,902)<span></span>
</td>
<td class="num">(2,744)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="num">(4,273)<span></span>
</td>
<td class="num">(4,784)<span></span>
</td>
<td class="num">(5,782)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedDepreciationAndAmortisationMember', window );">Accumulated depreciation | Investment property</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="num">(162)<span></span>
</td>
<td class="num">(199)<span></span>
</td>
<td class="num">(172)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DepreciationPropertyPlantAndEquipment', window );">Charge for the&#160;year</a></td>
<td class="num">(8)<span></span>
</td>
<td class="num">(9)<span></span>
</td>
<td class="num">(11)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="num">(32)<span></span>
</td>
<td class="nump">46<span></span>
</td>
<td class="num">(16)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="num">(202)<span></span>
</td>
<td class="num">(162)<span></span>
</td>
<td class="num">(199)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedDepreciationAndAmortisationMember', window );">Accumulated depreciation | Right-of-use for operating lease</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="num">(2,814)<span></span>
</td>
<td class="num">(2,609)<span></span>
</td>
<td class="num">(2,265)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="nump">177<span></span>
</td>
<td class="nump">196<span></span>
</td>
<td class="nump">160<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DepreciationPropertyPlantAndEquipment', window );">Charge for the&#160;year</a></td>
<td class="num">(405)<span></span>
</td>
<td class="num">(460)<span></span>
</td>
<td class="num">(580)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="nump">381<span></span>
</td>
<td class="nump">59<span></span>
</td>
<td class="nump">69<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="num">(2,661)<span></span>
</td>
<td class="num">(2,814)<span></span>
</td>
<td class="num">(2,609)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedDepreciationAndAmortisationMember', window );">Accumulated depreciation | Right-of-use for operating lease | For&#160;own&#160;use</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="num">(2,814)<span></span>
</td>
<td class="num">(2,609)<span></span>
</td>
<td class="num">(2,265)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="nump">177<span></span>
</td>
<td class="nump">196<span></span>
</td>
<td class="nump">160<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DepreciationPropertyPlantAndEquipment', window );">Charge for the&#160;year</a></td>
<td class="num">(405)<span></span>
</td>
<td class="num">(460)<span></span>
</td>
<td class="num">(580)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="nump">381<span></span>
</td>
<td class="nump">59<span></span>
</td>
<td class="nump">69<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="num">(2,661)<span></span>
</td>
<td class="num">(2,814)<span></span>
</td>
<td class="num">(2,609)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedDepreciationAndAmortisationMember', window );">Accumulated depreciation | Right-of-use for operating lease | Leased out&#160;under an&#160;operating lease</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DepreciationPropertyPlantAndEquipment', window );">Charge for the&#160;year</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedDepreciationAndAmortisationMember', window );">Accumulated depreciation | Right-of-use for operating lease | Investment property</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DepreciationPropertyPlantAndEquipment', window );">Charge for the&#160;year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Impairment losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="num">(858)<span></span>
</td>
<td class="num">(623)<span></span>
</td>
<td class="num">(601)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment', window );">Impairment charge for the&#160;year</a></td>
<td class="num">(266)<span></span>
</td>
<td class="num">(427)<span></span>
</td>
<td class="num">(154)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment', window );">Releases</a></td>
<td class="nump">137<span></span>
</td>
<td class="nump">45<span></span>
</td>
<td class="nump">19<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="nump">34<span></span>
</td>
<td class="nump">53<span></span>
</td>
<td class="nump">40<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="nump">209<span></span>
</td>
<td class="nump">94<span></span>
</td>
<td class="nump">73<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="num">(744)<span></span>
</td>
<td class="num">(858)<span></span>
</td>
<td class="num">(623)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Impairment losses | For&#160;own&#160;use</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="num">(401)<span></span>
</td>
<td class="num">(198)<span></span>
</td>
<td class="num">(189)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment', window );">Impairment charge for the&#160;year</a></td>
<td class="num">(172)<span></span>
</td>
<td class="num">(276)<span></span>
</td>
<td class="num">(113)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment', window );">Releases</a></td>
<td class="nump">41<span></span>
</td>
<td class="nump">34<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="nump">17<span></span>
</td>
<td class="nump">53<span></span>
</td>
<td class="nump">36<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="nump">166<span></span>
</td>
<td class="num">(14)<span></span>
</td>
<td class="nump">64<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="num">(349)<span></span>
</td>
<td class="num">(401)<span></span>
</td>
<td class="num">(198)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Impairment losses | Leased out&#160;under an&#160;operating lease</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="num">(39)<span></span>
</td>
<td class="num">(4)<span></span>
</td>
<td class="num">(33)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment', window );">Impairment charge for the&#160;year</a></td>
<td class="num">(79)<span></span>
</td>
<td class="num">(70)<span></span>
</td>
<td class="num">(29)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment', window );">Releases</a></td>
<td class="nump">71<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="nump">11<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="nump">17<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">32<span></span>
</td>
<td class="nump">47<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="num">(27)<span></span>
</td>
<td class="num">(39)<span></span>
</td>
<td class="num">(4)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Impairment losses | Investment property</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="num">(418)<span></span>
</td>
<td class="num">(421)<span></span>
</td>
<td class="num">(379)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment', window );">Impairment charge for the&#160;year</a></td>
<td class="num">(15)<span></span>
</td>
<td class="num">(81)<span></span>
</td>
<td class="num">(12)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment', window );">Releases</a></td>
<td class="nump">25<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="nump">40<span></span>
</td>
<td class="nump">76<span></span>
</td>
<td class="num">(38)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="num">(368)<span></span>
</td>
<td class="num">(418)<span></span>
</td>
<td class="num">(421)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Impairment losses | Right-of-use for operating lease</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="num">(49)<span></span>
</td>
<td class="num">(45)<span></span>
</td>
<td class="num">(14)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment', window );">Impairment charge for the&#160;year</a></td>
<td class="num">(41)<span></span>
</td>
<td class="num">(31)<span></span>
</td>
<td class="num">(38)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment', window );">Releases</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">10<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">19<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="nump">9<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="num">(74)<span></span>
</td>
<td class="num">(49)<span></span>
</td>
<td class="num">(45)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Impairment losses | Right-of-use for operating lease | For&#160;own&#160;use</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="num">(49)<span></span>
</td>
<td class="num">(45)<span></span>
</td>
<td class="num">(14)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment', window );">Impairment charge for the&#160;year</a></td>
<td class="num">(41)<span></span>
</td>
<td class="num">(31)<span></span>
</td>
<td class="num">(38)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment', window );">Releases</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">10<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">19<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="nump">9<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="num">(74)<span></span>
</td>
<td class="num">(49)<span></span>
</td>
<td class="num">(45)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Impairment losses | Right-of-use for operating lease | Leased out&#160;under an&#160;operating lease</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment', window );">Impairment charge for the&#160;year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment', window );">Releases</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Impairment losses | Right-of-use for operating lease | Investment property</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract', window );"><strong>Changes in property, plant and equipment [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the beginning of the period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment', window );">Impairment charge for the&#160;year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment', window );">Releases</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation', window );">Additions / disposals (net) due to change in the scope of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsAndDisposalsToPropertyPlantAndEquipment', window );">Additions / disposals (net)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment', window );">Transfers, exchange differences and other items</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Balance, at the end of the period</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ChangesInPropertyPlantAndEquipmentAbstract</td>
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<td>xbrli:stringItemType</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 73<br> -Subparagraph e<br> -Clause vii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_73_e_vii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 75<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_75_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 200<br> -Subparagraph e<br> -Clause vii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_200_e_vii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 200<br> -Subparagraph e<br> -Clause vii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_200_e_vii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DepreciationPropertyPlantAndEquipment</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 73<br> -Subparagraph e<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_73_e_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 200<br> -Subparagraph e<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_200_e_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 200<br> -Subparagraph e<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_200_e_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 98<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_98_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 73<br> -Subparagraph e<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_73_e_vi&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 200<br> -Subparagraph e<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_200_e_vi&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 200<br> -Subparagraph e<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_200_e_vi&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 98<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_98_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net amount of additions or disposals to property, plant and equipment.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in property, plant and equipment resulting from transfers, exchange differences and other items which are not separately disclosed.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net amount of additions and disposals to property, plant and equipment due to change in scope of consolidation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of tangible assets that are both held for use and expected to used during more than one period. May include property, plant and equipment and investment properties.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TangibleAssets</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_PropertyPlantAndEquipmentPurchasedForOwnUseMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_PropertyPlantAndEquipmentPurchasedForOwnUseMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_InvestmentPropertyMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_RightofuseAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=ifrs-full_RightofuseAssetsMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedDepreciationAndAmortisationMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Tangible assets - Disclosure of detailed information about property, plant and equipment (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="nump">&#8364; 26,416<span></span>
</td>
<td class="nump">&#8364; 31,212<span></span>
</td>
<td class="nump">&#8364; 32,926<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_PropertyPlantAndEquipmentPurchasedForOwnUseMember', window );">For&#160;own&#160;use | Property, plant and equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="nump">11,663<span></span>
</td>
<td class="nump">12,636<span></span>
</td>
<td class="nump">13,408<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_PropertyPlantAndEquipmentPurchasedForOwnUseMember', window );">For&#160;own&#160;use | Cost | Property, plant and equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="nump">24,141<span></span>
</td>
<td class="nump">25,656<span></span>
</td>
<td class="nump">26,243<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_PropertyPlantAndEquipmentPurchasedForOwnUseMember', window );">For&#160;own&#160;use | Cost | Right-of-use for operating lease</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="nump">1,556<span></span>
</td>
<td class="nump">1,918<span></span>
</td>
<td class="nump">2,183<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_PropertyPlantAndEquipmentPurchasedForOwnUseMember', window );">For&#160;own&#160;use | Accumulated depreciation | Property, plant and equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="num">(12,129)<span></span>
</td>
<td class="num">(12,619)<span></span>
</td>
<td class="num">(12,637)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_PropertyPlantAndEquipmentPurchasedForOwnUseMember', window );">For&#160;own&#160;use | Impairment losses | Property, plant and equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="num">(349)<span></span>
</td>
<td class="num">(401)<span></span>
</td>
<td class="num">(198)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_LandAndBuildingsMember', window );">Land and buildings | Property, plant and equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="nump">8,404<span></span>
</td>
<td class="nump">9,244<span></span>
</td>
<td class="nump">9,809<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_LandAndBuildingsMember', window );">Land and buildings | Cost | Property, plant and equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="nump">14,067<span></span>
</td>
<td class="nump">15,113<span></span>
</td>
<td class="nump">14,973<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_LandAndBuildingsMember', window );">Land and buildings | Cost | Right-of-use for operating lease</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="nump">1,536<span></span>
</td>
<td class="nump">1,882<span></span>
</td>
<td class="nump">2,104<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_LandAndBuildingsMember', window );">Land and buildings | Accumulated depreciation | Property, plant and equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="num">(5,359)<span></span>
</td>
<td class="num">(5,516)<span></span>
</td>
<td class="num">(5,010)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_LandAndBuildingsMember', window );">Land and buildings | Impairment losses | Property, plant and equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="num">(304)<span></span>
</td>
<td class="num">(353)<span></span>
</td>
<td class="num">(154)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_ComputerEquipmentMember', window );">IT equipment and fixtures | Property, plant and equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="nump">1,191<span></span>
</td>
<td class="nump">1,357<span></span>
</td>
<td class="nump">1,460<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_ComputerEquipmentMember', window );">IT equipment and fixtures | Cost | Property, plant and equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="nump">4,204<span></span>
</td>
<td class="nump">5,283<span></span>
</td>
<td class="nump">5,614<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_ComputerEquipmentMember', window );">IT equipment and fixtures | Cost | Right-of-use for operating lease</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="nump">13<span></span>
</td>
<td class="nump">23<span></span>
</td>
<td class="nump">60<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_ComputerEquipmentMember', window );">IT equipment and fixtures | Accumulated depreciation | Property, plant and equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="num">(3,003)<span></span>
</td>
<td class="num">(3,926)<span></span>
</td>
<td class="num">(4,154)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_ComputerEquipmentMember', window );">IT equipment and fixtures | Impairment losses | Property, plant and equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="num">(10)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_FurnitureAndVehiclesMember', window );">Furniture and vehicles | Property, plant and equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="nump">1,801<span></span>
</td>
<td class="nump">1,833<span></span>
</td>
<td class="nump">1,988<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_FurnitureAndVehiclesMember', window );">Furniture and vehicles | Cost | Property, plant and equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="nump">5,548<span></span>
</td>
<td class="nump">4,963<span></span>
</td>
<td class="nump">5,412<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_FurnitureAndVehiclesMember', window );">Furniture and vehicles | Cost | Right-of-use for operating lease</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">13<span></span>
</td>
<td class="nump">19<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_FurnitureAndVehiclesMember', window );">Furniture and vehicles | Accumulated depreciation | Property, plant and equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="num">(3,746)<span></span>
</td>
<td class="num">(3,130)<span></span>
</td>
<td class="num">(3,424)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_FurnitureAndVehiclesMember', window );">Furniture and vehicles | Impairment losses | Property, plant and equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="num">(1)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_ConstructionInProgressMember', window );">Construction in progress and other items | Property, plant and equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="nump">267<span></span>
</td>
<td class="nump">202<span></span>
</td>
<td class="nump">151<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_ConstructionInProgressMember', window );">Construction in progress and other items | Cost | Property, plant and equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="nump">322<span></span>
</td>
<td class="nump">297<span></span>
</td>
<td class="nump">244<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_ConstructionInProgressMember', window );">Construction in progress and other items | Cost | Right-of-use for operating lease</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
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<td class="num">(21)<span></span>
</td>
<td class="num">(47)<span></span>
</td>
<td class="num">(49)<span></span>
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<tr class="rh">
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PropertyPlantAndEquipmentForOwnUseAbstract', window );"><strong>Property, plant and equipment for own use</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Carrying amount</a></td>
<td class="num">&#8364; (34)<span></span>
</td>
<td class="num">&#8364; (48)<span></span>
</td>
<td class="num">&#8364; (44)<span></span>
</td>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of property, plant and equipment including right-of-use assets whose underlying assets would be presented as property, plant and equipment if they were owned. [Refer: Property, plant and equipment; Right-of-use assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 73<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_73_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 47<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_47_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
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<td>xbrli:monetaryItemType</td>
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<tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>n/a</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PropertyPlantAndEquipmentForOwnUseAbstract</td>
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<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_PropertyPlantAndEquipmentPurchasedForOwnUseMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis=ifrs-full_PropertyPlantAndEquipmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis=ifrs-full_RightofuseAssetsMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_LandAndBuildingsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_ComputerEquipmentMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_FurnitureAndVehiclesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_ConstructionInProgressMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td>na</td>
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<tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Tangible assets - Narrative (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems', window );"><strong>Disclosure of detailed information about property, plant and equipment [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Property, plant and equipment</a></td>
<td class="nump">&#8364; 26,416<span></span>
</td>
<td class="nump">&#8364; 31,212<span></span>
</td>
<td class="nump">&#8364; 32,926<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">27,438<span></span>
</td>
<td class="nump">32,087<span></span>
</td>
<td class="nump">33,882<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_PropertyPlantAndEquipmentPurchasedForOwnUseMember', window );">For&#160;own&#160;use</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems', window );"><strong>Disclosure of detailed information about property, plant and equipment [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">11,663<span></span>
</td>
<td class="nump">12,636<span></span>
</td>
<td class="nump">13,408<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=san_PropertyPlantAndEquipmentPurchasedForOwnUseMember', window );">For&#160;own&#160;use | Abroad</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems', window );"><strong>Disclosure of detailed information about property, plant and equipment [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Property, plant and equipment</a></td>
<td class="nump">6,545<span></span>
</td>
<td class="nump">6,531<span></span>
</td>
<td class="nump">7,119<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember', window );">Leased out&#160;under an&#160;operating lease</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems', window );"><strong>Disclosure of detailed information about property, plant and equipment [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">14,753<span></span>
</td>
<td class="nump">18,576<span></span>
</td>
<td class="nump">19,518<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_PropertyPlantAndEquipmentSubjectToOperatingLeasesMember', window );">Leased out&#160;under an&#160;operating lease | Vehicles | Santander US Auto</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems', window );"><strong>Disclosure of detailed information about property, plant and equipment [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">7,227<span></span>
</td>
<td class="nump">11,336<span></span>
</td>
<td class="nump">12,525<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfPropertyPlantAndEquipmentAxis=ifrs-full_InvestmentPropertyMember', window );">Investment property</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems', window );"><strong>Disclosure of detailed information about property, plant and equipment [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">1,022<span></span>
</td>
<td class="nump">875<span></span>
</td>
<td class="nump">956<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FairValueOfPropertyPlantAndEquipmentMateriallyDifferentFromCarryingAmount', window );">Fair value of investment property</a></td>
<td class="nump">1,194<span></span>
</td>
<td class="nump">1,041<span></span>
</td>
<td class="nump">1,163<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UnrealizedGainsLossesOnFairValueAdjustment', window );">Unrealized gains (losses) on fair value adjustment</a></td>
<td class="nump">&#8364; 172<span></span>
</td>
<td class="nump">&#8364; 166<span></span>
</td>
<td class="nump">&#8364; 207<span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfPropertyPlantAndEquipmentLineItems</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The fair value of property, plant and equipment when the fair value is materially different from the carrying amount. [Refer: Carrying amount [member]; Property, plant and equipment]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 79<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_79_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FairValueOfPropertyPlantAndEquipmentMateriallyDifferentFromCarryingAmount</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of property, plant and equipment including right-of-use assets whose underlying assets would be presented as property, plant and equipment if they were owned. [Refer: Property, plant and equipment; Right-of-use assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 73<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_73_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 47<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_47_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of tangible assets that are both held for use and expected to used during more than one period. May include property, plant and equipment and investment properties.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_UnrealizedGainsLossesOnFairValueAdjustment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Unrealized Gains (Losses) On Fair Value Adjustment</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUSAutoMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Tangible assets - Disclosure of maturity analysis of operating lease payments (Details) - Santander US Auto<br> &#8364; in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsLineItems', window );"><strong>Disclosure of maturity analysis of operating lease payments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_UndiscountedOperatingLeasePaymentsToBeReceived', window );">Undiscounted operating lease payments to be received</a></td>
<td class="nump">&#8364; 3,988<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember', window );">2027</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsLineItems', window );"><strong>Disclosure of maturity analysis of operating lease payments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_UndiscountedOperatingLeasePaymentsToBeReceived', window );">Undiscounted operating lease payments to be received</a></td>
<td class="nump">4,228<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember', window );">2028</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsLineItems', window );"><strong>Disclosure of maturity analysis of operating lease payments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_UndiscountedOperatingLeasePaymentsToBeReceived', window );">Undiscounted operating lease payments to be received</a></td>
<td class="nump">1,332<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember', window );">2029</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsLineItems', window );"><strong>Disclosure of maturity analysis of operating lease payments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_UndiscountedOperatingLeasePaymentsToBeReceived', window );">Undiscounted operating lease payments to be received</a></td>
<td class="nump">&#8364; 330<span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsLineItems</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of undiscounted operating lease payments to be received. Operating lease is a lease that does not transfer substantially all the risks and rewards incidental to ownership of an underlying asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 97<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_97&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 124<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_124&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 124<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_124&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Intangible assets - Goodwill - Disclosure of detailed information about goodwill (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">&#8364; 11,958<span></span>
</td>
<td class="nump">&#8364; 13,438<span></span>
</td>
<td class="nump">&#8364; 14,017<span></span>
</td>
<td class="nump">&#8364; 13,741<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">3,031<span></span>
</td>
<td class="nump">3,079<span></span>
</td>
<td class="nump">3,679<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_SAMInvestmentHoldingsLimitedMember', window );">SAM Investment Holdings Limited</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">1,444<span></span>
</td>
<td class="nump">1,444<span></span>
</td>
<td class="nump">1,444<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_SantanderConsumerGermanyMember', window );">Santander Consumer Germany</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">1,304<span></span>
</td>
<td class="nump">1,304<span></span>
</td>
<td class="nump">1,304<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_SantanderPortugalMember', window );">Santander Portugal</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">1,040<span></span>
</td>
<td class="nump">1,040<span></span>
</td>
<td class="nump">1,040<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_SantanderEspanaMember', window );">Santander Espa&#241;a</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">998<span></span>
</td>
<td class="nump">998<span></span>
</td>
<td class="nump">998<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_SantanderUSAutoMember', window );">Santander US Auto</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">943<span></span>
</td>
<td class="nump">1,068<span></span>
</td>
<td class="nump">1,003<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_SantanderHoldingUSAIncMember', window );">Santander Holding USA (ex. Auto)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">765<span></span>
</td>
<td class="nump">865<span></span>
</td>
<td class="nump">814<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_SantanderUKGroupMember', window );">Santander UK</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">609<span></span>
</td>
<td class="nump">641<span></span>
</td>
<td class="nump">612<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_BancoSantanderChileMember', window );">Banco Santander - Chile</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">470<span></span>
</td>
<td class="nump">482<span></span>
</td>
<td class="nump">516<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_BancoSantanderMexicoSAInstitucionDeBancaMultipleGrupoFinancieroSantanderMexicoMember', window );">Grupo Financiero Santander (M&#233;xico)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">463<span></span>
</td>
<td class="nump">453<span></span>
</td>
<td class="nump">523<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_EburyPartnersLtdMember', window );">Ebury Partners Ltd</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">326<span></span>
</td>
<td class="nump">340<span></span>
</td>
<td class="nump">350<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_SantanderConsumerNordicsMember', window );">Santander Consumer Nordics</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">211<span></span>
</td>
<td class="nump">211<span></span>
</td>
<td class="nump">206<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_SantanderBankPolskaSAMember', window );">Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,178<span></span>
</td>
<td class="nump">1,159<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=ifrs-full_AggregateNotSignificantIndividualAssetsOrCashgeneratingUnitsMember', window );">Other companies</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="nump">&#8364; 354<span></span>
</td>
<td class="nump">&#8364; 335<span></span>
</td>
<td class="nump">&#8364; 369<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognised. [Refer: Total for all business combinations [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 134<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_134_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 135<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_135_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2025-01-01<br> -Paragraph B67<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B67_d&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 254<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_254_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 255<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_255_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 254<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_254_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 255<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_255_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 37<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_37&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 37<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_37&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Goodwill</td>
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<FILENAME>R200.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Intangible assets - Goodwill - Schedule of goodwill and changes in goodwill (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInGoodwillAbstract', window );"><strong>Changes in goodwill</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill at beginning of period</a></td>
<td class="nump">&#8364; 13,438<span></span>
</td>
<td class="nump">&#8364; 14,017<span></span>
</td>
<td class="nump">&#8364; 13,741<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdditionalRecognitionGoodwill', window );">Additions</a></td>
<td class="nump">19<span></span>
</td>
<td class="nump">30<span></span>
</td>
<td class="nump">56<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill', window );">Impairment losses</a></td>
<td class="num">(4)<span></span>
</td>
<td class="num">(4)<span></span>
</td>
<td class="num">(20)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill', window );">Transfer to Assets held for sale (Notes 3 y 12)</a></td>
<td class="num">(1,176)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill', window );">Exchange differences and other items</a></td>
<td class="num">(291)<span></span>
</td>
<td class="num">(605)<span></span>
</td>
<td class="nump">240<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill at end of period</a></td>
<td class="nump">11,958<span></span>
</td>
<td class="nump">13,438<span></span>
</td>
<td class="nump">14,017<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BusinessCombinationsAxis=san_EburyPartnersLtdMember', window );">Ebury Partners Ltd</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInGoodwillAbstract', window );"><strong>Changes in goodwill</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdditionalRecognitionGoodwill', window );">Additions</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 45<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdditionalRecognitionGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of additional goodwill recognised, except goodwill included in a disposal group that, on acquisition, meets the criteria to be classified as held for sale in accordance with IFRS 5. [Refer: Goodwill; Disposal groups classified as held for sale [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2025-01-01<br> -Paragraph B67<br> -Subparagraph d<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B67_d_ii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 37<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_37_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 37<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_37_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdditionalRecognitionGoodwill</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Goodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognised. [Refer: Total for all business combinations [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 134<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_134_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 135<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_135_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2025-01-01<br> -Paragraph B67<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B67_d&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 254<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_254_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 255<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_255_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 254<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_254_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 255<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_255_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 37<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_37&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 37<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_37&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Goodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2025-01-01<br> -Paragraph B67<br> -Subparagraph d<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B67_d_v&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 37<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_37_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 37<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_37_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in goodwill resulting from net exchange differences arising on the translation of the financial statements from the functional currency into a different presentation currency, including the translation of a foreign operation into the presentation currency of the reporting entity. [Refer: Goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2025-01-01<br> -Paragraph B67<br> -Subparagraph d<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B67_d_vi&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReconciliationOfChangesInGoodwillAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReconciliationOfChangesInGoodwillAbstract</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease in goodwill due to classification as held for sale or changes in scope of consolidation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill</td>
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<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BusinessCombinationsAxis=san_EburyPartnersLtdMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Intangible assets - Goodwill - Narrative (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems', window );"><strong>Disclosure of reconciliation of changes in goodwill [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill', window );">Exchange differences and other items</a></td>
<td class="num">&#8364; (291)<span></span>
</td>
<td class="num">&#8364; (605)<span></span>
</td>
<td class="nump">&#8364; 240<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill', window );">Impairment loss recognised in profit or loss, goodwill</a></td>
<td class="nump">&#8364; 4<span></span>
</td>
<td class="nump">&#8364; 4<span></span>
</td>
<td class="nump">&#8364; 20<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SensitivityAnalysisDiscountRateAdjustmentIncrease', window );">Sensitivity analysis, discount rate adjustment, increase (in basis points)</a></td>
<td class="nump">0.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SensitivityAnalysisDiscountRateAdjustmentDecrease', window );">Sensitivity analysis, discount rate adjustment, decrease (in basis points)</a></td>
<td class="nump">0.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentDecrease', window );">Sensitivity analysis, perpetuity growth rate adjustment, decrease (in basis points)</a></td>
<td class="nump">0.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentIncrease', window );">Sensitivity analysis, perpetuity growth rate adjustment, increase (in basis points)</a></td>
<td class="nump">0.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SensitivityAnalysisCashFlowProjectionsDecrease', window );">Sensitivity analysis, cash flow projections, decrease</a></td>
<td class="nump">5.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems', window );"><strong>Disclosure of reconciliation of changes in goodwill [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RecoverableAmountsOfCertainCashGeneratingUnitsPeriodUsedInEstimate', window );">Earnings projections based on financial budgets, approve period</a></td>
<td class="text">3 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems', window );"><strong>Disclosure of reconciliation of changes in goodwill [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RecoverableAmountsOfCertainCashGeneratingUnitsPeriodUsedInEstimate', window );">Earnings projections based on financial budgets, approve period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2025-01-01<br> -Paragraph B67<br> -Subparagraph d<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B67_d_v&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 37<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_37_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 37<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_37_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in goodwill resulting from net exchange differences arising on the translation of the financial statements from the functional currency into a different presentation currency, including the translation of a foreign operation into the presentation currency of the reporting entity. [Refer: Goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2025-01-01<br> -Paragraph B67<br> -Subparagraph d<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B67_d_vi&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RecoverableAmountsOfCertainCashGeneratingUnitsPeriodUsedInEstimate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Recoverable Amounts Of Certain Cash Generating Units, Period Used In Estimate</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RecoverableAmountsOfCertainCashGeneratingUnitsPeriodUsedInEstimate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SensitivityAnalysisCashFlowProjectionsDecrease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sensitivity Analysis, Cash Flow Projections, Decrease</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SensitivityAnalysisCashFlowProjectionsDecrease</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SensitivityAnalysisDiscountRateAdjustmentDecrease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sensitivity Analysis, Discount Rate Adjustment, Decrease</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SensitivityAnalysisDiscountRateAdjustmentDecrease</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
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<td>na</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SensitivityAnalysisDiscountRateAdjustmentIncrease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sensitivity Analysis, Discount Rate Adjustment, Increase</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SensitivityAnalysisDiscountRateAdjustmentIncrease</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentDecrease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sensitivity Analysis, Perpetuity Growth Rate Adjustment, Decrease</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentDecrease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentIncrease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sensitivity Analysis, Perpetuity Growth Rate Adjustment, Increase</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SensitivityAnalysisPerpetuityGrowthRateAdjustmentIncrease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember</td>
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<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Intangible assets - Goodwill - Schedule of goodwill assumptions (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_SantanderUKGroupMember', window );">Santander UK</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PeriodOverWhichManagementHasProjectedCashFlows', window );">Projected period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections', window );">Discount rate</a></td>
<td class="nump">12.40%<span></span>
</td>
<td class="nump">11.80%<span></span>
</td>
<td class="nump">11.90%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections', window );">Nominal perpetual growth rate</a></td>
<td class="nump">2.50%<span></span>
</td>
<td class="nump">2.50%<span></span>
</td>
<td class="nump">2.50%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_SantanderBankPolskaSAMember', window );">Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections', window );">Discount rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12.90%<span></span>
</td>
<td class="nump">13.20%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections', window );">Nominal perpetual growth rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.00%<span></span>
</td>
<td class="nump">5.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_SantanderUSAutoMember', window );">Santander US Auto</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PeriodOverWhichManagementHasProjectedCashFlows', window );">Projected period</a></td>
<td class="text">3 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections', window );">Discount rate</a></td>
<td class="nump">11.50%<span></span>
</td>
<td class="nump">12.20%<span></span>
</td>
<td class="nump">12.80%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections', window );">Nominal perpetual growth rate</a></td>
<td class="nump">3.00%<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_SantanderHoldingUSAIncMember', window );">Santander Holding USA (ex. Auto)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PeriodOverWhichManagementHasProjectedCashFlows', window );">Projected period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections', window );">Discount rate</a></td>
<td class="nump">13.60%<span></span>
</td>
<td class="nump">13.40%<span></span>
</td>
<td class="nump">13.40%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections', window );">Nominal perpetual growth rate</a></td>
<td class="nump">3.50%<span></span>
</td>
<td class="nump">3.50%<span></span>
</td>
<td class="nump">3.50%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_SantanderConsumerGermanyMember', window );">Santander Consumer Germany</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PeriodOverWhichManagementHasProjectedCashFlows', window );">Projected period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections', window );">Discount rate</a></td>
<td class="nump">9.50%<span></span>
</td>
<td class="nump">9.10%<span></span>
</td>
<td class="nump">9.70%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections', window );">Nominal perpetual growth rate</a></td>
<td class="nump">2.50%<span></span>
</td>
<td class="nump">2.00%<span></span>
</td>
<td class="nump">2.30%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_SAMInvestmentHoldingsLimitedMember', window );">SAM Investment Holdings Limited</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PeriodOverWhichManagementHasProjectedCashFlows', window );">Projected period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections', window );">Discount rate</a></td>
<td class="nump">11.50%<span></span>
</td>
<td class="nump">11.60%<span></span>
</td>
<td class="nump">11.60%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections', window );">Nominal perpetual growth rate</a></td>
<td class="nump">2.50%<span></span>
</td>
<td class="nump">2.50%<span></span>
</td>
<td class="nump">2.50%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_SantanderPortugalMember', window );">Santander Portugal</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems', window );"><strong>Cash-generating units information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PeriodOverWhichManagementHasProjectedCashFlows', window );">Projected period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections', window );">Discount rate</a></td>
<td class="nump">10.60%<span></span>
</td>
<td class="nump">10.20%<span></span>
</td>
<td class="nump">11.20%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections', window );">Nominal perpetual growth rate</a></td>
<td class="nump">2.50%<span></span>
</td>
<td class="nump">2.50%<span></span>
</td>
<td class="nump">2.50%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The discount rate applied to cash flow projections for a cash-generating unit (group of units). [Refer: Total for all cash-generating units [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 134<br> -Subparagraph d<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_134_d_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 134<br> -Subparagraph e<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_134_e_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 254<br> -Subparagraph d<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_254_d_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 254<br> -Subparagraph f<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_254_f_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 254<br> -Subparagraph d<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_254_d_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 254<br> -Subparagraph f<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_254_f_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The growth rate used to extrapolate cash flow projections beyond the period covered by the most recent budgets/forecasts for a cash-generating unit (group of units). [Refer: Total for all cash-generating units [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 134<br> -Subparagraph d<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_134_d_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2025-01-01<br> -Paragraph 134<br> -Subparagraph e<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_134_e_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 254<br> -Subparagraph f<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_254_f_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 254<br> -Subparagraph d<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_254_d_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 254<br> -Subparagraph d<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_254_d_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 254<br> -Subparagraph f<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_254_f_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PeriodOverWhichManagementHasProjectedCashFlows">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The period over which management has projected cash flows based on financial budgets/forecasts approved by management including, when a period greater than five years is used for a cash-generating unit (group of units).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IndividualAssetsOrCashgeneratingUnitsWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesAxis=san_SantanderUKGroupMember</td>
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<td>na</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Intangible assets - Other intangible assets - Disclosure of detailed information about intangible assets (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfIntangibleAssetsLineItems', window );"><strong>Disclosure of detailed information about intangible assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets, beginning balance</a></td>
<td class="nump">&#8364; 5,821<span></span>
</td>
<td class="nump">&#8364; 5,854<span></span>
</td>
<td class="nump">&#8364; 4,904<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill', window );">Net&#160; additions and disposals</a></td>
<td class="nump">1,714<span></span>
</td>
<td class="nump">2,104<span></span>
</td>
<td class="nump">2,197<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill', window );">Change&#160;in scope&#160;of consolidation</a></td>
<td class="num">(8)<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="nump">181<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill', window );">Amortization and impairment</a></td>
<td class="num">(1,955)<span></span>
</td>
<td class="num">(1,853)<span></span>
</td>
<td class="num">(1,439)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill', window );">Application&#160;of amortization and impairment</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill', window );">Exchange differences and&#160;other</a></td>
<td class="num">(222)<span></span>
</td>
<td class="num">(282)<span></span>
</td>
<td class="nump">11<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets, end balance</a></td>
<td class="nump">&#8364; 5,350<span></span>
</td>
<td class="nump">&#8364; 5,821<span></span>
</td>
<td class="nump">&#8364; 5,854<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis=ifrs-full_TechnologybasedIntangibleAssetsMember', window );">IT developments | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfIntangibleAssetsLineItems', window );"><strong>Disclosure of detailed information about intangible assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill', window );">Useful life measured as period of time, intangible assets other than goodwill</a></td>
<td class="text">3 years<span></span>
</td>
<td class="text">3 years<span></span>
</td>
<td class="text">3 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis=ifrs-full_TechnologybasedIntangibleAssetsMember', window );">IT developments | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfIntangibleAssetsLineItems', window );"><strong>Disclosure of detailed information about intangible assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill', window );">Useful life measured as period of time, intangible assets other than goodwill</a></td>
<td class="text">10 years<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">10 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfIntangibleAssetsLineItems', window );"><strong>Disclosure of detailed information about intangible assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets, beginning balance</a></td>
<td class="nump">&#8364; 15,261<span></span>
</td>
<td class="nump">&#8364; 14,773<span></span>
</td>
<td class="nump">&#8364; 12,502<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill', window );">Net&#160; additions and disposals</a></td>
<td class="nump">1,714<span></span>
</td>
<td class="nump">2,104<span></span>
</td>
<td class="nump">2,197<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill', window );">Change&#160;in scope&#160;of consolidation</a></td>
<td class="num">(20)<span></span>
</td>
<td class="num">(8)<span></span>
</td>
<td class="nump">176<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill', window );">Application&#160;of amortization and impairment</a></td>
<td class="num">(1,286)<span></span>
</td>
<td class="num">(1,169)<span></span>
</td>
<td class="num">(230)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill', window );">Exchange differences and&#160;other</a></td>
<td class="num">(1,179)<span></span>
</td>
<td class="num">(439)<span></span>
</td>
<td class="nump">128<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets, end balance</a></td>
<td class="nump">14,490<span></span>
</td>
<td class="nump">15,261<span></span>
</td>
<td class="nump">14,773<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Brand names</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfIntangibleAssetsLineItems', window );"><strong>Disclosure of detailed information about intangible assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets, beginning balance</a></td>
<td class="nump">32<span></span>
</td>
<td class="nump">40<span></span>
</td>
<td class="nump">33<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill', window );">Net&#160; additions and disposals</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill', window );">Change&#160;in scope&#160;of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">8<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill', window );">Application&#160;of amortization and impairment</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(2)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill', window );">Exchange differences and&#160;other</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(8)<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets, end balance</a></td>
<td class="nump">32<span></span>
</td>
<td class="nump">32<span></span>
</td>
<td class="nump">40<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | IT developments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfIntangibleAssetsLineItems', window );"><strong>Disclosure of detailed information about intangible assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets, beginning balance</a></td>
<td class="nump">13,322<span></span>
</td>
<td class="nump">12,867<span></span>
</td>
<td class="nump">10,721<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill', window );">Net&#160; additions and disposals</a></td>
<td class="nump">1,713<span></span>
</td>
<td class="nump">2,104<span></span>
</td>
<td class="nump">2,197<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill', window );">Change&#160;in scope&#160;of consolidation</a></td>
<td class="num">(7)<span></span>
</td>
<td class="num">(8)<span></span>
</td>
<td class="nump">18<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill', window );">Application&#160;of amortization and impairment</a></td>
<td class="num">(1,286)<span></span>
</td>
<td class="num">(1,169)<span></span>
</td>
<td class="num">(196)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill', window );">Exchange differences and&#160;other</a></td>
<td class="num">(1,084)<span></span>
</td>
<td class="num">(472)<span></span>
</td>
<td class="nump">127<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets, end balance</a></td>
<td class="nump">12,658<span></span>
</td>
<td class="nump">13,322<span></span>
</td>
<td class="nump">12,867<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfIntangibleAssetsLineItems', window );"><strong>Disclosure of detailed information about intangible assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets, beginning balance</a></td>
<td class="nump">1,907<span></span>
</td>
<td class="nump">1,866<span></span>
</td>
<td class="nump">1,748<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill', window );">Net&#160; additions and disposals</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill', window );">Change&#160;in scope&#160;of consolidation</a></td>
<td class="num">(13)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">150<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill', window );">Application&#160;of amortization and impairment</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(32)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill', window );">Exchange differences and&#160;other</a></td>
<td class="num">(95)<span></span>
</td>
<td class="nump">41<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets, end balance</a></td>
<td class="nump">1,800<span></span>
</td>
<td class="nump">1,907<span></span>
</td>
<td class="nump">1,866<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedDepreciationAndAmortisationMember', window );">Accumulated depreciation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfIntangibleAssetsLineItems', window );"><strong>Disclosure of detailed information about intangible assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets, beginning balance</a></td>
<td class="num">(9,235)<span></span>
</td>
<td class="num">(8,851)<span></span>
</td>
<td class="num">(7,554)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill', window );">Net&#160; additions and disposals</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill', window );">Change&#160;in scope&#160;of consolidation</a></td>
<td class="nump">12<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill', window );">Amortization and impairment</a></td>
<td class="num">(1,847)<span></span>
</td>
<td class="num">(1,626)<span></span>
</td>
<td class="num">(1,386)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill', window );">Application&#160;of amortization and impairment</a></td>
<td class="nump">1,228<span></span>
</td>
<td class="nump">1,062<span></span>
</td>
<td class="nump">209<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill', window );">Exchange differences and&#160;other</a></td>
<td class="nump">795<span></span>
</td>
<td class="nump">174<span></span>
</td>
<td class="num">(125)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets, end balance</a></td>
<td class="num">(9,047)<span></span>
</td>
<td class="num">(9,235)<span></span>
</td>
<td class="num">(8,851)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedDepreciationAndAmortisationMember', window );">Accumulated depreciation | IT developments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfIntangibleAssetsLineItems', window );"><strong>Disclosure of detailed information about intangible assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets, beginning balance</a></td>
<td class="num">(8,312)<span></span>
</td>
<td class="num">(8,078)<span></span>
</td>
<td class="num">(6,866)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill', window );">Net&#160; additions and disposals</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill', window );">Change&#160;in scope&#160;of consolidation</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill', window );">Amortization and impairment</a></td>
<td class="num">(1,715)<span></span>
</td>
<td class="num">(1,546)<span></span>
</td>
<td class="num">(1,294)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill', window );">Application&#160;of amortization and impairment</a></td>
<td class="nump">1,228<span></span>
</td>
<td class="nump">1,062<span></span>
</td>
<td class="nump">177<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill', window );">Exchange differences and&#160;other</a></td>
<td class="nump">723<span></span>
</td>
<td class="nump">244<span></span>
</td>
<td class="num">(95)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets, end balance</a></td>
<td class="num">(8,070)<span></span>
</td>
<td class="num">(8,312)<span></span>
</td>
<td class="num">(8,078)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedDepreciationAndAmortisationMember', window );">Accumulated depreciation | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfIntangibleAssetsLineItems', window );"><strong>Disclosure of detailed information about intangible assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets, beginning balance</a></td>
<td class="num">(923)<span></span>
</td>
<td class="num">(773)<span></span>
</td>
<td class="num">(688)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill', window );">Net&#160; additions and disposals</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill', window );">Change&#160;in scope&#160;of consolidation</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill', window );">Amortization and impairment</a></td>
<td class="num">(132)<span></span>
</td>
<td class="num">(80)<span></span>
</td>
<td class="num">(92)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill', window );">Application&#160;of amortization and impairment</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">32<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill', window );">Exchange differences and&#160;other</a></td>
<td class="nump">72<span></span>
</td>
<td class="num">(70)<span></span>
</td>
<td class="num">(30)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets, end balance</a></td>
<td class="num">(977)<span></span>
</td>
<td class="num">(923)<span></span>
</td>
<td class="num">(773)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfIntangibleAssetsLineItems', window );"><strong>Disclosure of detailed information about intangible assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets, beginning balance</a></td>
<td class="num">(205)<span></span>
</td>
<td class="num">(68)<span></span>
</td>
<td class="num">(44)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill', window );">Net&#160; additions and disposals</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill', window );">Change&#160;in scope&#160;of consolidation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill', window );">Amortization and impairment</a></td>
<td class="num">(108)<span></span>
</td>
<td class="num">(227)<span></span>
</td>
<td class="num">(53)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AmortisationAndImpairmentAdditionsIntangibleAssetsOtherThanGoodwill', window );">Of which addition</a></td>
<td class="num">(108)<span></span>
</td>
<td class="num">(227)<span></span>
</td>
<td class="num">(53)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AmortisationAndImpairmentLiberationsIntangibleAssetsOtherThanGoodwill', window );">Of which Liberation</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill', window );">Application&#160;of amortization and impairment</a></td>
<td class="nump">58<span></span>
</td>
<td class="nump">107<span></span>
</td>
<td class="nump">21<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill', window );">Exchange differences and&#160;other</a></td>
<td class="nump">162<span></span>
</td>
<td class="num">(17)<span></span>
</td>
<td class="nump">8<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Intangible assets, end balance</a></td>
<td class="num">&#8364; (93)<span></span>
</td>
<td class="num">&#8364; (205)<span></span>
</td>
<td class="num">&#8364; (68)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfIntangibleAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfIntangibleAssetsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in intangible assets other than goodwill resulting from net exchange differences arising on the translation of the financial statements from the functional currency into a different presentation currency, including the translation of a foreign operation into the presentation currency of the reporting entity. [Refer: Intangible assets other than goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 38<br> -IssueDate 2025-01-01<br> -Paragraph 118<br> -Subparagraph e<br> -Clause vii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_118_e_vii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in intangible assets other than goodwill resulting from transfers and changes that the entity does not separately disclose in the same statement or note. [Refer: Intangible assets other than goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 38<br> -IssueDate 2025-01-01<br> -Paragraph 118<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_118_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of identifiable non-monetary assets without physical substance. This amount does not include goodwill. [Refer: Goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 38<br> -IssueDate 2025-01-01<br> -Paragraph 118<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_118_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 263<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_263_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 263<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_263_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IntangibleAssetsOtherThanGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The useful life, measured as period of time, used for intangible assets other than goodwill. [Refer: Intangible assets other than goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 38<br> -IssueDate 2025-01-01<br> -Paragraph 118<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_118_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 263<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_263_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 263<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_263_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AmortisationAndImpairmentAdditionsIntangibleAssetsOtherThanGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of the portion of impairment losses attributable to additions .</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AmortisationAndImpairmentAdditionsIntangibleAssetsOtherThanGoodwill</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of amortisation or impairment of intangible assets other than goodwill.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AmortisationAndImpairmentLiberationsIntangibleAssetsOtherThanGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of the portion of impairment losses attributable to liberation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AmortisationAndImpairmentLiberationsIntangibleAssetsOtherThanGoodwill</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of application of amortisation or impairment of intangible assets other than goodwill.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net increase or (decrease) in intangible assets other than goodwill resulting from additions and disposals.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis=ifrs-full_TechnologybasedIntangibleAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis=ifrs-full_TechnologybasedIntangibleAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis=ifrs-full_BrandNamesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis=ifrs-full_OtherIntangibleAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedDepreciationAndAmortisationMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Intangible assets - Other intangible assets - Narrative (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwillAbstract', window );"><strong>Intangible assets other than goodwill [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="nump">&#8364; 108<span></span>
</td>
<td class="nump">&#8364; 227<span></span>
</td>
<td class="nump">&#8364; 53<span></span>
</td>
</tr>
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<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 38<br> -IssueDate 2025-01-01<br> -Paragraph 118<br> -Subparagraph e<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_118_e_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 263<br> -Subparagraph e<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_263_e_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 263<br> -Subparagraph e<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_263_e_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IntangibleAssetsOtherThanGoodwillAbstract">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IntangibleAssetsOtherThanGoodwillAbstract</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>287
<FILENAME>R205.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Other assets (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MiscellaneousAssetsAbstract', window );"><strong>Miscellaneous assets [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherReceivables', window );">Transactions in transit</a></td>
<td class="nump">&#8364; 364<span></span>
</td>
<td class="nump">&#8364; 469<span></span>
</td>
<td class="nump">&#8364; 246<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RecognisedAssetsDefinedBenefitPlan', window );">Net pension plan assets (note&#160;25)</a></td>
<td class="nump">784<span></span>
</td>
<td class="nump">677<span></span>
</td>
<td class="nump">1,001<span></span>
</td>
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<td class="nump">3,121<span></span>
</td>
<td class="nump">3,016<span></span>
</td>
<td class="nump">2,911<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherMiscellaneousAssets', window );">Other</a></td>
<td class="nump">4,376<span></span>
</td>
<td class="nump">4,310<span></span>
</td>
<td class="nump">4,598<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherNonfinancialAssets', window );">Other non-financial assets</a></td>
<td class="nump">&#8364; 8,645<span></span>
</td>
<td class="nump">&#8364; 8,472<span></span>
</td>
<td class="nump">&#8364; 8,756<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MiscellaneousAssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MiscellaneousAssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherNonfinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of non-financial assets that the entity does not separately disclose in the same statement or note. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherNonfinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherReceivables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount receivable by the entity that it does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherReceivables</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RecognisedAssetsDefinedBenefitPlan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of surplus in a defined benefit plan, adjusted for any effect of limiting a net defined benefit asset to the asset ceiling. [Refer: Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RecognisedAssetsDefinedBenefitPlan</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherMiscellaneousAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Assets classified as Other Assets, not elsewhere specified.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherMiscellaneousAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PrepaymentsAndAccruedIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of prepayments and accrued income. [Refer: Prepayments; Accrued income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PrepaymentsAndAccruedIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Deposits from central banks and credit institutions - Schedule of deposits from central banks and credit institutions (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfDepositsLineItems', window );"><strong>Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">&#8364; 171,546<span></span>
</td>
<td class="nump">&#8364; 152,151<span></span>
</td>
<td class="nump">&#8364; 122,270<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">42,148<span></span>
</td>
<td class="nump">36,360<span></span>
</td>
<td class="nump">40,367<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">1,421,184<span></span>
</td>
<td class="nump">1,484,322<span></span>
</td>
<td class="nump">1,468,703<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_EUR', window );">Euro</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfDepositsLineItems', window );"><strong>Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">54,588<span></span>
</td>
<td class="nump">53,779<span></span>
</td>
<td class="nump">53,921<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_GBP', window );">Pound sterling</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfDepositsLineItems', window );"><strong>Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">13,625<span></span>
</td>
<td class="nump">21,853<span></span>
</td>
<td class="nump">27,697<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_USD', window );">US dollar</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfDepositsLineItems', window );"><strong>Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">43,466<span></span>
</td>
<td class="nump">57,992<span></span>
</td>
<td class="nump">49,447<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_BRL', window );">Brazilian real</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfDepositsLineItems', window );"><strong>Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">6,783<span></span>
</td>
<td class="nump">7,459<span></span>
</td>
<td class="nump">7,997<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=san_OtherCurrenciesMember', window );">Other currencies</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfDepositsLineItems', window );"><strong>Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">18,725<span></span>
</td>
<td class="nump">16,794<span></span>
</td>
<td class="nump">19,580<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_CentralBanksAndCreditInstitutionsMember', window );">Central banks and Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfDepositsLineItems', window );"><strong>Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">137,187<span></span>
</td>
<td class="nump">157,877<span></span>
</td>
<td class="nump">158,642<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfDepositsLineItems', window );"><strong>Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">12,385<span></span>
</td>
<td class="nump">13,300<span></span>
</td>
<td class="nump">7,808<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">3,086<span></span>
</td>
<td class="nump">1,774<span></span>
</td>
<td class="nump">1,209<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">18,542<span></span>
</td>
<td class="nump">24,882<span></span>
</td>
<td class="nump">48,782<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">34,013<span></span>
</td>
<td class="nump">39,956<span></span>
</td>
<td class="nump">57,799<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks | Deposits on demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfDepositsLineItems', window );"><strong>Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">856<span></span>
</td>
<td class="nump">405<span></span>
</td>
<td class="nump">117<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks | Time deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfDepositsLineItems', window );"><strong>Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">14,709<span></span>
</td>
<td class="nump">18,488<span></span>
</td>
<td class="nump">43,853<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks | Reverse repurchase agreements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfDepositsLineItems', window );"><strong>Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">18,448<span></span>
</td>
<td class="nump">21,063<span></span>
</td>
<td class="nump">13,829<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfDepositsLineItems', window );"><strong>Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">27,058<span></span>
</td>
<td class="nump">26,284<span></span>
</td>
<td class="nump">17,862<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">1,424<span></span>
</td>
<td class="nump">1,625<span></span>
</td>
<td class="nump">1,735<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">74,692<span></span>
</td>
<td class="nump">90,012<span></span>
</td>
<td class="nump">81,246<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">103,174<span></span>
</td>
<td class="nump">117,921<span></span>
</td>
<td class="nump">100,843<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | Deposits on demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfDepositsLineItems', window );"><strong>Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">5,005<span></span>
</td>
<td class="nump">6,657<span></span>
</td>
<td class="nump">5,468<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | Time deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfDepositsLineItems', window );"><strong>Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">42,718<span></span>
</td>
<td class="nump">54,716<span></span>
</td>
<td class="nump">54,402<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | Reverse repurchase agreements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfDepositsLineItems', window );"><strong>Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">55,186<span></span>
</td>
<td class="nump">56,273<span></span>
</td>
<td class="nump">40,689<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | Subordinated debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfDepositsLineItems', window );"><strong>Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">&#8364; 265<span></span>
</td>
<td class="nump">&#8364; 275<span></span>
</td>
<td class="nump">&#8364; 284<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that are: (a) a contractual obligation: (i) to deliver cash or another financial asset to another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially unfavourable to the entity; or (b) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to deliver a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose, rights, options or warrants to acquire a fixed number of the entity&#8217;s own equity instruments for a fixed amount of any currency are equity instruments if the entity offers the rights, options or warrants pro rata to all of its existing owners of the same class of its own non-derivative equity instruments. Also, for those purposes the entity&#8217;s own equity instruments do not include puttable financial instruments that are classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. As an exception, an instrument that meets the definition of a financial liability is classified as an equity instrument if it has all the features and meets the conditions in paragraphs 16A-16B or paragraphs 16C-16D of IAS 32. [Refer: Classes of financial instruments [domain]; Financial assets; Derivatives [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at amortised cost. The amortised cost is the amount at which financial liabilities are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount. [Refer: Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at fair value through profit or loss that meet the definition of held for trading. A financial liability is classified as held for trading if: (a) it is acquired or incurred principally for the purpose of selling or repurchasing it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: Financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: At fair value [member]; Financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ScheduleOfDepositsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deposits [Line Items]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ScheduleOfDepositsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_EUR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_EUR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_GBP">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_GBP</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_USD">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_USD</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_BRL">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_BRL</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=san_OtherCurrenciesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=san_OtherCurrenciesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_CentralBanksAndCreditInstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_CentralBanksAndCreditInstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_DemandDepositMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_TimeDepositsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_TimeDepositsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ReverseRepurchaseAgreementsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember</td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_SubordinatedLiabilitiesMember</td>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>289
<FILENAME>R207.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Deposits from central banks and credit institutions - Narrative (Details) - TLTRO III - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfDepositsLineItems', window );"><strong>Disclosure Of Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DepositsFromCentralBanksAtAmortisedCostDueToParticipationInRefinancingOperationsProgram', window );">Deposits from central banks at amortised cost due to participation in the refinancing operations program</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 11,583<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncomeExpenseFromParticipationInRefinancingOperationsProgram', window );">Income (expense) from participation in refinancing operations program</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 158<span></span>
</td>
<td class="nump">&#8364; 659<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DepositsFromCentralBanksAtAmortisedCostDueToParticipationInRefinancingOperationsProgram">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the deposits from central banks at amortised cost due to participation in refinancing operations program.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DepositsFromCentralBanksAtAmortisedCostDueToParticipationInRefinancingOperationsProgram</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfDepositsLineItems">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of Deposits [Line Items]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfDepositsLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncomeExpenseFromParticipationInRefinancingOperationsProgram">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Income (Expense) From Participation In Refinancing Operations Program</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncomeExpenseFromParticipationInRefinancingOperationsProgram</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ProductOrServiceAxis=san_TargetedLongTermRefinancingOperationIIIMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ProductOrServiceAxis=san_TargetedLongTermRefinancingOperationIIIMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</div>
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</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>290
<FILENAME>R208.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Customer deposits (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfCustomerDepositsLineItems', window );"><strong>Customer Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">&#8364; 171,546<span></span>
</td>
<td class="nump">&#8364; 152,151<span></span>
</td>
<td class="nump">&#8364; 122,270<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">42,148<span></span>
</td>
<td class="nump">36,360<span></span>
</td>
<td class="nump">40,367<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">1,421,184<span></span>
</td>
<td class="nump">1,484,322<span></span>
</td>
<td class="nump">1,468,703<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfCustomerDepositsLineItems', window );"><strong>Customer Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">36,120<span></span>
</td>
<td class="nump">18,984<span></span>
</td>
<td class="nump">19,837<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">25,930<span></span>
</td>
<td class="nump">25,407<span></span>
</td>
<td class="nump">32,052<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">979,150<span></span>
</td>
<td class="nump">1,011,545<span></span>
</td>
<td class="nump">995,280<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">1,041,200<span></span>
</td>
<td class="nump">1,055,936<span></span>
</td>
<td class="nump">1,047,169<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | Deposits on demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfCustomerDepositsLineItems', window );"><strong>Customer Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">646,125<span></span>
</td>
<td class="nump">677,818<span></span>
</td>
<td class="nump">661,262<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | Time deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfCustomerDepositsLineItems', window );"><strong>Customer Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">296,797<span></span>
</td>
<td class="nump">298,276<span></span>
</td>
<td class="nump">305,296<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | Deposits redeemable at notice</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfCustomerDepositsLineItems', window );"><strong>Customer Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">1,487<span></span>
</td>
<td class="nump">1,525<span></span>
</td>
<td class="nump">1,789<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | Repurchase agreements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfCustomerDepositsLineItems', window );"><strong>Customer Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">96,791<span></span>
</td>
<td class="nump">78,317<span></span>
</td>
<td class="nump">78,822<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfCustomerDepositsLineItems', window );"><strong>Customer Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">437,855<span></span>
</td>
<td class="nump">395,479<span></span>
</td>
<td class="nump">388,736<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | Rest of Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfCustomerDepositsLineItems', window );"><strong>Customer Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">323,854<span></span>
</td>
<td class="nump">377,057<span></span>
</td>
<td class="nump">366,165<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | United Kingdom</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfCustomerDepositsLineItems', window );"><strong>Customer Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">228,810<span></span>
</td>
<td class="nump">233,192<span></span>
</td>
<td class="nump">235,698<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | Rest of America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfCustomerDepositsLineItems', window );"><strong>Customer Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">279,491<span></span>
</td>
<td class="nump">283,400<span></span>
</td>
<td class="nump">292,268<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | US</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfCustomerDepositsLineItems', window );"><strong>Customer Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">82,321<span></span>
</td>
<td class="nump">88,712<span></span>
</td>
<td class="nump">83,555<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | Rest of the world</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ScheduleOfCustomerDepositsLineItems', window );"><strong>Customer Deposits [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that are: (a) a contractual obligation: (i) to deliver cash or another financial asset to another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially unfavourable to the entity; or (b) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to deliver a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose, rights, options or warrants to acquire a fixed number of the entity&#8217;s own equity instruments for a fixed amount of any currency are equity instruments if the entity offers the rights, options or warrants pro rata to all of its existing owners of the same class of its own non-derivative equity instruments. Also, for those purposes the entity&#8217;s own equity instruments do not include puttable financial instruments that are classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. As an exception, an instrument that meets the definition of a financial liability is classified as an equity instrument if it has all the features and meets the conditions in paragraphs 16A-16B or paragraphs 16C-16D of IAS 32. [Refer: Classes of financial instruments [domain]; Financial assets; Derivatives [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at amortised cost. The amortised cost is the amount at which financial liabilities are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount. [Refer: Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at fair value through profit or loss that meet the definition of held for trading. A financial liability is classified as held for trading if: (a) it is acquired or incurred principally for the purpose of selling or repurchasing it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: Financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: At fair value [member]; Financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ScheduleOfCustomerDepositsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Customer Deposits [Line Items]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ScheduleOfCustomerDepositsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_DemandDepositMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_DemandDepositMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_TimeDepositsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_TimeDepositsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_DepositsRedeemableAtNoticeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_DepositsRedeemableAtNoticeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_RepurchaseAgreementMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_RepurchaseAgreementMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_RestOfEuropeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_RestOfEuropeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_GB">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_GB</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_RestOfAmericaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_RestOfAmericaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_US</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_RestOfWorldMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_RestOfWorldMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Marketable debt securities - Schedule of marketable securities (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">&#8364; 171,546<span></span>
</td>
<td class="nump">&#8364; 152,151<span></span>
</td>
<td class="nump">&#8364; 122,270<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">42,148<span></span>
</td>
<td class="nump">36,360<span></span>
</td>
<td class="nump">40,367<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">1,421,184<span></span>
</td>
<td class="nump">1,484,322<span></span>
</td>
<td class="nump">1,468,703<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">11,686<span></span>
</td>
<td class="nump">7,554<span></span>
</td>
<td class="nump">5,371<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">312,704<span></span>
</td>
<td class="nump">317,967<span></span>
</td>
<td class="nump">303,208<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">324,390<span></span>
</td>
<td class="nump">325,521<span></span>
</td>
<td class="nump">308,579<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Bonds and debentures outstanding</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">253,893<span></span>
</td>
<td class="nump">252,765<span></span>
</td>
<td class="nump">231,880<span></span>
</td>
<td class="nump">&#8364; 211,597<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Subordinated debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">28,859<span></span>
</td>
<td class="nump">35,461<span></span>
</td>
<td class="nump">30,529<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Notes&#160;and other securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Total financial liabilities</a></td>
<td class="nump">&#8364; 41,638<span></span>
</td>
<td class="nump">&#8364; 37,295<span></span>
</td>
<td class="nump">&#8364; 46,170<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialLiabilitiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that are: (a) a contractual obligation: (i) to deliver cash or another financial asset to another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially unfavourable to the entity; or (b) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to deliver a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose, rights, options or warrants to acquire a fixed number of the entity&#8217;s own equity instruments for a fixed amount of any currency are equity instruments if the entity offers the rights, options or warrants pro rata to all of its existing owners of the same class of its own non-derivative equity instruments. Also, for those purposes the entity&#8217;s own equity instruments do not include puttable financial instruments that are classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. As an exception, an instrument that meets the definition of a financial liability is classified as an equity instrument if it has all the features and meets the conditions in paragraphs 16A-16B or paragraphs 16C-16D of IAS 32. [Refer: Classes of financial instruments [domain]; Financial assets; Derivatives [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at amortised cost. The amortised cost is the amount at which financial liabilities are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount. [Refer: Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at fair value through profit or loss that meet the definition of held for trading. A financial liability is classified as held for trading if: (a) it is acquired or incurred principally for the purpose of selling or repurchasing it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: Financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: At fair value [member]; Financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfLiabilitiesAxis=san_BondsAndDebenturesOutstandingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfLiabilitiesAxis=san_BondsAndDebenturesOutstandingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfLiabilitiesAxis=san_NotesAndOtherSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfLiabilitiesAxis=san_NotesAndOtherSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Marketable debt securities - Disclosure of maturity analysis of debt instruments, book value (Details) - Marketable debt securities - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">&#8364; 324,390<span></span>
</td>
<td class="nump">&#8364; 325,521<span></span>
</td>
<td class="nump">&#8364; 308,579<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Debt securities issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">324,390<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Debt securities issued | Within 3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">39,785<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Debt securities issued | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">49,809<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Debt securities issued | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">97,217<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Debt securities issued | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">65,018<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Debt securities issued | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">72,561<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Subordinated debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">28,859<span></span>
</td>
<td class="nump">35,461<span></span>
</td>
<td class="nump">30,529<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Subordinated debt | Within 3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Subordinated debt | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">798<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Subordinated debt | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">1,760<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Subordinated debt | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">2,277<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Subordinated debt | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">24,024<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Senior unsecured debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">145,696<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Senior unsecured debt | Within 3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">10,509<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Senior unsecured debt | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">13,643<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Senior unsecured debt | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">51,461<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Senior unsecured debt | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">34,465<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Senior unsecured debt | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">35,618<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Senior secured debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">108,197<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Senior secured debt | Within 3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">11,529<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Senior secured debt | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">12,308<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Senior secured debt | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">43,661<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Senior secured debt | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">28,106<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Senior secured debt | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">12,593<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Promissory notes and other securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">41,638<span></span>
</td>
<td class="nump">&#8364; 37,295<span></span>
</td>
<td class="nump">&#8364; 46,170<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Promissory notes and other securities | Within 3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">17,747<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Promissory notes and other securities | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">23,060<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Promissory notes and other securities | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">335<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Promissory notes and other securities | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">170<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Promissory notes and other securities | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">&#8364; 326<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialLiabilitiesLineItems</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that are: (a) a contractual obligation: (i) to deliver cash or another financial asset to another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially unfavourable to the entity; or (b) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to deliver a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose, rights, options or warrants to acquire a fixed number of the entity&#8217;s own equity instruments for a fixed amount of any currency are equity instruments if the entity offers the rights, options or warrants pro rata to all of its existing owners of the same class of its own non-derivative equity instruments. Also, for those purposes the entity&#8217;s own equity instruments do not include puttable financial instruments that are classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. As an exception, an instrument that meets the definition of a financial liability is classified as an equity instrument if it has all the features and meets the conditions in paragraphs 16A-16B or paragraphs 16C-16D of IAS 32. [Refer: Classes of financial instruments [domain]; Financial assets; Derivatives [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilities</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfLiabilitiesAxis=san_BondsAndDebenturesOutstandingAndSubordinatedLiabilitiesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanThreeMonthsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_NotLaterThanThreeMonthsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Balance Type:</strong></td>
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<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember</td>
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<FILENAME>R211.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Marketable debt securities - Disclosure of maturity analysis of debt instruments, notional amounts (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">&#8364; 505,992<span></span>
</td>
<td class="nump">&#8364; 511,727<span></span>
</td>
<td class="nump">&#8364; 418,294<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember', window );">3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">120,662<span></span>
</td>
<td class="nump">145,627<span></span>
</td>
<td class="nump">112,546<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">48,445<span></span>
</td>
<td class="nump">&#8364; 43,894<span></span>
</td>
<td class="nump">&#8364; 28,309<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Debt securities issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">319,932<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Debt securities issued | Within 3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">38,803<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Debt securities issued | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">48,596<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Debt securities issued | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">95,699<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Debt securities issued | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">64,614<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Debt securities issued | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">72,220<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Subordinated debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">27,715<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Subordinated debt | Within 3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Subordinated debt | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">790<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Subordinated debt | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">1,744<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Subordinated debt | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2,255<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Subordinated debt | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">22,926<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Senior unsecured debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">143,457<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Senior unsecured debt | Within 3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">10,056<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Senior unsecured debt | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">12,654<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Senior unsecured debt | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">50,189<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Senior unsecured debt | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">34,089<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Senior unsecured debt | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">36,469<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Senior secured debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">107,244<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Senior secured debt | Within 3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">11,038<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Senior secured debt | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">12,110<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Senior secured debt | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">43,467<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Senior secured debt | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">28,116<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Senior secured debt | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">12,513<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Promissory notes and other securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">41,516<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Promissory notes and other securities | Within 3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">17,709<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Promissory notes and other securities | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">23,042<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Promissory notes and other securities | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">299<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Promissory notes and other securities | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">154<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Promissory notes and other securities | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">&#8364; 312<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialLiabilitiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NotionalAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The nominal or face amount of a financial instrument, used to calculate payments made on that instrument.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NotionalAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfLiabilitiesAxis=san_BondsAndDebenturesOutstandingAndSubordinatedLiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfLiabilitiesAxis=san_BondsAndDebenturesOutstandingAndSubordinatedLiabilitiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanThreeMonthsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_NotLaterThanThreeMonthsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfLiabilitiesAxis=san_SeniorUnsecuredDebtMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfLiabilitiesAxis=san_SeniorUnsecuredDebtMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfLiabilitiesAxis=san_SeniorSecuredDebtMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfLiabilitiesAxis=san_SeniorSecuredDebtMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfLiabilitiesAxis=san_NotesAndOtherSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfLiabilitiesAxis=san_NotesAndOtherSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Marketable debt securities - Disclosure of bonds and debentures by currency (Details)<br> &#8364; in Millions, &#163; in Millions, R$ in Millions, $ in Millions, $ in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>GBP (&#163;)</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>BRL (R$)</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>CLP ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_EUR', window );">Euro</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">&#8364; 54,588<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 53,779<span></span>
</td>
<td class="nump">&#8364; 53,921<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_USD', window );">US dollar</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">43,466<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">57,992<span></span>
</td>
<td class="nump">49,447<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_GBP', window );">Pound sterling</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">13,625<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">21,853<span></span>
</td>
<td class="nump">27,697<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_BRL', window );">Brazilian real</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">6,783<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,459<span></span>
</td>
<td class="nump">7,997<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=san_OtherCurrenciesMember', window );">Other currencies</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">18,725<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">16,794<span></span>
</td>
<td class="nump">19,580<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">324,390<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">325,521<span></span>
</td>
<td class="nump">308,579<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Bonds and debentures outstanding</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">253,893<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">252,765<span></span>
</td>
<td class="nump">231,880<span></span>
</td>
<td class="nump">&#8364; 211,597<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Bonds and debentures outstanding | Euro</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">&#8364; 117,350<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">110,973<span></span>
</td>
<td class="nump">101,657<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BorrowingsInterestRate', window );">Annual interest rate (as a percent)</a></td>
<td class="nump">2.72%<span></span>
</td>
<td class="nump">2.72%<span></span>
</td>
<td class="nump">2.72%<span></span>
</td>
<td class="nump">2.72%<span></span>
</td>
<td class="nump">2.72%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Bonds and debentures outstanding | US dollar</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">&#8364; 71,140<span></span>
</td>
<td class="nump">$ 83,632<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">79,740<span></span>
</td>
<td class="nump">70,229<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BorrowingsInterestRate', window );">Annual interest rate (as a percent)</a></td>
<td class="nump">4.73%<span></span>
</td>
<td class="nump">4.73%<span></span>
</td>
<td class="nump">4.73%<span></span>
</td>
<td class="nump">4.73%<span></span>
</td>
<td class="nump">4.73%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Bonds and debentures outstanding | Pound sterling</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">&#8364; 25,548<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#163; 22,301<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">23,961<span></span>
</td>
<td class="nump">20,520<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BorrowingsInterestRate', window );">Annual interest rate (as a percent)</a></td>
<td class="nump">5.14%<span></span>
</td>
<td class="nump">5.14%<span></span>
</td>
<td class="nump">5.14%<span></span>
</td>
<td class="nump">5.14%<span></span>
</td>
<td class="nump">5.14%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Bonds and debentures outstanding | Brazilian real</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">&#8364; 21,848<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">R$ 141,089<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">18,683<span></span>
</td>
<td class="nump">21,861<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BorrowingsInterestRate', window );">Annual interest rate (as a percent)</a></td>
<td class="nump">14.21%<span></span>
</td>
<td class="nump">14.21%<span></span>
</td>
<td class="nump">14.21%<span></span>
</td>
<td class="nump">14.21%<span></span>
</td>
<td class="nump">14.21%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Bonds and debentures outstanding | Chilean peso</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">&#8364; 4,697<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 4,977,648<span></span>
</td>
<td class="nump">4,579<span></span>
</td>
<td class="nump">4,921<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BorrowingsInterestRate', window );">Annual interest rate (as a percent)</a></td>
<td class="nump">3.61%<span></span>
</td>
<td class="nump">3.61%<span></span>
</td>
<td class="nump">3.61%<span></span>
</td>
<td class="nump">3.61%<span></span>
</td>
<td class="nump">3.61%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Bonds and debentures outstanding | Other currencies</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">&#8364; 13,310<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 14,829<span></span>
</td>
<td class="nump">&#8364; 12,692<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BorrowingsInterestRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The interest rate on borrowings. [Refer: Borrowings]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BorrowingsInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialLiabilitiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that are: (a) a contractual obligation: (i) to deliver cash or another financial asset to another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially unfavourable to the entity; or (b) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to deliver a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose, rights, options or warrants to acquire a fixed number of the entity&#8217;s own equity instruments for a fixed amount of any currency are equity instruments if the entity offers the rights, options or warrants pro rata to all of its existing owners of the same class of its own non-derivative equity instruments. Also, for those purposes the entity&#8217;s own equity instruments do not include puttable financial instruments that are classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. As an exception, an instrument that meets the definition of a financial liability is classified as an equity instrument if it has all the features and meets the conditions in paragraphs 16A-16B or paragraphs 16C-16D of IAS 32. [Refer: Classes of financial instruments [domain]; Financial assets; Derivatives [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_EUR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_EUR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_USD">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_USD</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_GBP">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_GBP</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_BRL">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_BRL</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=san_OtherCurrenciesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=san_OtherCurrenciesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfLiabilitiesAxis=san_BondsAndDebenturesOutstandingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfLiabilitiesAxis=san_BondsAndDebenturesOutstandingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_CLP">
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<td style="white-space:nowrap;">srt_CurrencyAxis=currency_CLP</td>
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<td>na</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Marketable debt securities - Disclosure of changes in bonds and debentures outstanding (Details) - Marketable debt securities - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Balance at beginning of year</a></td>
<td class="nump">&#8364; 325,521<span></span>
</td>
<td class="nump">&#8364; 308,579<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Balance at&#160;year-end</a></td>
<td class="nump">324,390<span></span>
</td>
<td class="nump">325,521<span></span>
</td>
<td class="nump">&#8364; 308,579<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Balance at beginning of year</a></td>
<td class="nump">252,765<span></span>
</td>
<td class="nump">231,880<span></span>
</td>
<td class="nump">211,597<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InclusionOfGroupEntitiesFairValueMeasurementLiabilities', window );">Net inclusion, fair value measurement, liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(1,224)<span></span>
</td>
<td class="num">(1,467)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">72,014<span></span>
</td>
<td class="nump">77,921<span></span>
</td>
<td class="nump">68,568<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SettlementsFairValueMeasurementLiabilities', window );">Redemptions and repurchases</a></td>
<td class="num">(60,335)<span></span>
</td>
<td class="num">(57,676)<span></span>
</td>
<td class="num">(48,825)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExchangeDifferencesAndOtherMovements', window );">Exchange differences and other movements</a></td>
<td class="num">(10,551)<span></span>
</td>
<td class="nump">1,864<span></span>
</td>
<td class="nump">2,007<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Balance at&#160;year-end</a></td>
<td class="nump">253,893<span></span>
</td>
<td class="nump">252,765<span></span>
</td>
<td class="nump">231,880<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Banco Santander, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">12,682<span></span>
</td>
<td class="nump">20,559<span></span>
</td>
<td class="nump">19,706<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SettlementsFairValueMeasurementLiabilities', window );">Redemptions and repurchases</a></td>
<td class="num">(14,854)<span></span>
</td>
<td class="num">(15,888)<span></span>
</td>
<td class="num">(7,889)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | SPIRE SA Compartment 2023-374</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InclusionOfGroupEntitiesFairValueMeasurementLiabilities', window );">Net inclusion, fair value measurement, liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(1,224)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Auto ABS UK Loans PLC</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InclusionOfGroupEntitiesFairValueMeasurementLiabilities', window );">Net inclusion, fair value measurement, liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(841)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | PSA Bank Deutschland GmbH</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InclusionOfGroupEntitiesFairValueMeasurementLiabilities', window );">Net inclusion, fair value measurement, liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(626)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Banco Santander (Brasil) S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">11,827<span></span>
</td>
<td class="nump">8,039<span></span>
</td>
<td class="nump">12,781<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SettlementsFairValueMeasurementLiabilities', window );">Redemptions and repurchases</a></td>
<td class="num">(9,430)<span></span>
</td>
<td class="num">(6,919)<span></span>
</td>
<td class="num">(10,542)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Santander Group UK</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">11,450<span></span>
</td>
<td class="nump">9,884<span></span>
</td>
<td class="nump">6,002<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SettlementsFairValueMeasurementLiabilities', window );">Redemptions and repurchases</a></td>
<td class="num">(4,936)<span></span>
</td>
<td class="num">(7,764)<span></span>
</td>
<td class="num">(6,185)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Santander Consumer USA Holdings Inc.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">8,705<span></span>
</td>
<td class="nump">8,949<span></span>
</td>
<td class="nump">7,309<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SettlementsFairValueMeasurementLiabilities', window );">Redemptions and repurchases</a></td>
<td class="num">(7,905)<span></span>
</td>
<td class="num">(10,806)<span></span>
</td>
<td class="num">(14,466)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Santander International Products, Plc.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">5,071<span></span>
</td>
<td class="nump">2,752<span></span>
</td>
<td class="nump">1,054<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SettlementsFairValueMeasurementLiabilities', window );">Redemptions and repurchases</a></td>
<td class="num">(1,327)<span></span>
</td>
<td class="num">(584)<span></span>
</td>
<td class="num">(728)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Stellantis Financial Services Italia S.p.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">2,020<span></span>
</td>
<td class="nump">2,021<span></span>
</td>
<td class="nump">761<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SettlementsFairValueMeasurementLiabilities', window );">Redemptions and repurchases</a></td>
<td class="num">(698)<span></span>
</td>
<td class="num">(22)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Santander Consumer Bank S.p.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">1,799<span></span>
</td>
<td class="nump">1,001<span></span>
</td>
<td class="nump">1,460<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SettlementsFairValueMeasurementLiabilities', window );">Redemptions and repurchases</a></td>
<td class="num">(1,327)<span></span>
</td>
<td class="num">(233)<span></span>
</td>
<td class="num">(266)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Santander Holdings USA, Inc.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">1,772<span></span>
</td>
<td class="nump">3,004<span></span>
</td>
<td class="nump">1,850<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SettlementsFairValueMeasurementLiabilities', window );">Redemptions and repurchases</a></td>
<td class="num">(2,693)<span></span>
</td>
<td class="num">(1,387)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Fondo de Titulizaci&#243;n, Santander Consumo 8</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">1,523<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Fondo de Titulizaci&#243;n, Santander Consumo 9</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">1,421<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Banco Santander - Chile</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">1,204<span></span>
</td>
<td class="nump">1,171<span></span>
</td>
<td class="nump">814<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SettlementsFairValueMeasurementLiabilities', window );">Redemptions and repurchases</a></td>
<td class="num">(1,930)<span></span>
</td>
<td class="num">(1,486)<span></span>
</td>
<td class="num">(575)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Santander Consumer Finance, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">1,181<span></span>
</td>
<td class="nump">2,271<span></span>
</td>
<td class="nump">2,557<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SettlementsFairValueMeasurementLiabilities', window );">Redemptions and repurchases</a></td>
<td class="num">(2,743)<span></span>
</td>
<td class="num">(2,900)<span></span>
</td>
<td class="num">(1,800)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Banco Santander Totta, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">1,069<span></span>
</td>
<td class="nump">1,129<span></span>
</td>
<td class="nump">1,734<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SettlementsFairValueMeasurementLiabilities', window );">Redemptions and repurchases</a></td>
<td class="num">(223)<span></span>
</td>
<td class="num">(1,055)<span></span>
</td>
<td class="num">(108)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Santander Bank, National Association</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">853<span></span>
</td>
<td class="nump">4,133<span></span>
</td>
<td class="nump">1,346<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SettlementsFairValueMeasurementLiabilities', window );">Redemptions and repurchases</a></td>
<td class="num">(2,648)<span></span>
</td>
<td class="num">(1,440)<span></span>
</td>
<td class="num">(567)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | SC Germany S.A., Compartment Consumer 2025-2</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">850<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | SC Austria S.&#224; r.l., Compartment Consumer 2025-1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">803<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Secucor Finance 2025-1 Designated Activity Company</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">801<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">787<span></span>
</td>
<td class="nump">875<span></span>
</td>
<td class="nump">634<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SettlementsFairValueMeasurementLiabilities', window );">Redemptions and repurchases</a></td>
<td class="num">(2,084)<span></span>
</td>
<td class="num">(122)<span></span>
</td>
<td class="num">(140)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Hyundai Capital Bank Europe GmbH Italy</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">749<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Banque Stellantis France</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">728<span></span>
</td>
<td class="nump">897<span></span>
</td>
<td class="nump">1,145<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SettlementsFairValueMeasurementLiabilities', window );">Redemptions and repurchases</a></td>
<td class="num">(746)<span></span>
</td>
<td class="num">(565)<span></span>
</td>
<td class="num">(813)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Santander Consumer Bank AG</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">180<span></span>
</td>
<td class="nump">1,256<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | SC Germany S.A., Compartment Consumer 2024-1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,500<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Santander Consumo 6, F.T.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,230<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Santander Consumo 7, F.T.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,218<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,002<span></span>
</td>
<td class="nump">1,102<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | SC Germany S.A., Compartment Consumer 2024-2</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuesFairValueMeasurementLiabilities', window );">Issues</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Bonds and debentures outstanding | Santander Consumer Bank AS</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SettlementsFairValueMeasurementLiabilities', window );">Redemptions and repurchases</a></td>
<td class="num">&#8364; (1,174)<span></span>
</td>
<td class="num">&#8364; (839)<span></span>
</td>
<td class="num">&#8364; (681)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that are: (a) a contractual obligation: (i) to deliver cash or another financial asset to another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially unfavourable to the entity; or (b) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to deliver a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose, rights, options or warrants to acquire a fixed number of the entity&#8217;s own equity instruments for a fixed amount of any currency are equity instruments if the entity offers the rights, options or warrants pro rata to all of its existing owners of the same class of its own non-derivative equity instruments. Also, for those purposes the entity&#8217;s own equity instruments do not include puttable financial instruments that are classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. As an exception, an instrument that meets the definition of a financial liability is classified as an equity instrument if it has all the features and meets the conditions in paragraphs 16A-16B or paragraphs 16C-16D of IAS 32. [Refer: Classes of financial instruments [domain]; Financial assets; Derivatives [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IssuesFairValueMeasurementLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase in fair value measurement of liabilities resulting from issues of those liabilities. [Refer: At fair value [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IssuesFairValueMeasurementLiabilities</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SettlementsFairValueMeasurementLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease in the fair value measurement of liabilities resulting from settlements. [Refer: At fair value [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SettlementsFairValueMeasurementLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ExchangeDifferencesAndOtherMovements">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the fair value measurement of liabilities resulting from exchange differences and other movements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ExchangeDifferencesAndOtherMovements</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Inclusion Of Group Entities, Fair Value Measurement, Liabilities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InclusionOfGroupEntitiesFairValueMeasurementLiabilities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Balance Type:</strong></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfLiabilitiesAxis=san_BondsAndDebenturesOutstandingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfLiabilitiesAxis=san_BondsAndDebenturesOutstandingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SPIRESACompartment2023374Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SPIRESACompartment2023374Member</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_AutoABSUKLoansPLCMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_AutoABSUKLoansPLCMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_PSABankDeutschlandGmbHMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderGroupUKMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderInternationalProductsPLCMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumo9F.T.Member</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderChileMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerFinanceSAMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderTottaSAMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
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<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SCGermanyS.A.CompartmentConsumer20252Member</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SCGermanyS.A.CompartmentConsumer20251Member">
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SecucorFinance20251DesignatedActivityCompanyMember">
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
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<td><strong> Name:</strong></td>
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<DOCUMENT>
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<FILENAME>R214.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Marketable debt securities - Disclosure of information on liabilities secured by financial assets (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesSecuredByMortgageBackedBonds', window );">Liabilities secured by mortgage-backed bonds</a></td>
<td class="nump">&#8364; 22,624<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Marketable debt securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesSecuredByAssetBackedSecurities', window );">Liabilities secured by asset-backed securities</a></td>
<td class="nump">55,031<span></span>
</td>
<td class="nump">&#8364; 49,723<span></span>
</td>
<td class="nump">&#8364; 37,717<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesSecuredByMortgageBackedSecurities', window );">Liabilities secured by mortgage-backed securities</a></td>
<td class="nump">5,961<span></span>
</td>
<td class="nump">4,377<span></span>
</td>
<td class="nump">3,019<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesSecuredByNonAssetBackedSecurities', window );">Liabilities secured by other mortgage securities</a></td>
<td class="nump">51,438<span></span>
</td>
<td class="nump">50,141<span></span>
</td>
<td class="nump">49,478<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesSecuredByMortgageBackedBonds', window );">Liabilities secured by mortgage-backed bonds</a></td>
<td class="nump">22,624<span></span>
</td>
<td class="nump">22,631<span></span>
</td>
<td class="nump">24,619<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesSecuredByCoveredBond', window );">Liabilities secured by territorial covered bond</a></td>
<td class="nump">1,728<span></span>
</td>
<td class="nump">995<span></span>
</td>
<td class="nump">764<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesSecuredByFinancialAssets', window );">Liabilities secured by financial assets</a></td>
<td class="nump">&#8364; 108,197<span></span>
</td>
<td class="nump">&#8364; 100,859<span></span>
</td>
<td class="nump">&#8364; 87,959<span></span>
</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that are secured by asset-backed securities held by the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities secured by territorial covered bond held by the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that are secured by financial assets of the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities secured by non-asset-backed securities that are, specifically, mortgage-backed bonds held by the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities secured by asset-backed securities that are, specifically, mortgage-backed securities held by the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LiabilitiesSecuredByMortgageBackedSecurities</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that are secured by non-asset-backed securities held by the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LiabilitiesSecuredByNonAssetBackedSecurities</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember</td>
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<DOCUMENT>
<TYPE>XML
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<FILENAME>R215.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Marketable debt securities - Narrative (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Guarantees</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesSecuredByMortgageBackedBonds', window );">Liabilities secured by mortgage-backed bonds</a></td>
<td class="nump">&#8364; 22,624<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Banco Santander, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Guarantees</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MortgageBackedBondsOutstandingFaceValue', window );">Mortgage-backed Bonds, outstanding face value</a></td>
<td class="nump">&#8364; 22,360<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Guarantees</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherAssetBackedSecuritiesPersonalLoansAverageMaturity', window );">Other asset - backed securities personal loans average maturities</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherAssetBackedSecuritiesSMEAverageMaturity', window );">Other asset - backed securities SME's average maturities</a></td>
<td class="text">7 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesSecuredByMortgageBackedBonds', window );">Liabilities secured by mortgage-backed bonds</a></td>
<td class="nump">&#8364; 22,624<span></span>
</td>
<td class="nump">&#8364; 22,631<span></span>
</td>
<td class="nump">&#8364; 24,619<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Guarantees</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MortgageBackedSecuritiesAverageMaturity', window );">Mortgage-backed securities average maturities</a></td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MortgageBackedBondsAverageMaturity', window );">Mortgage-backed bonds average maturities</a></td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesLineItems', window );"><strong>Guarantees</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MortgageBackedSecuritiesLoanToValueRatio', window );">Mortgage-backed securities loan-to-value ratio (as a percent)</a></td>
<td class="nump">80.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MortgageBackedBondsLoanToValueRatioHomeLoans', window );">Mortgage-backed bonds loan-to-value ratio for home loans (as a percent)</a></td>
<td class="nump">80.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MortgageBackedBondsLoanToValueRatioOtherAssetsLoans', window );">Mortgage-backed bonds loan-to-value ratio for other assets loans (as a percent)</a></td>
<td class="nump">60.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
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<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialLiabilitiesLineItems</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LiabilitiesSecuredByMortgageBackedBonds">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities secured by non-asset-backed securities that are, specifically, mortgage-backed bonds held by the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MortgageBackedBondsAverageMaturity">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the average maturity for mortgage-backed bonds.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MortgageBackedBondsAverageMaturity</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MortgageBackedBondsLoanToValueRatioHomeLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the required loan-to-value ratio for mortgage-backed bonds for home loans.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MortgageBackedBondsLoanToValueRatioHomeLoans</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the required loan-to-value ratio for mortgage-backed bonds for other assets loans.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MortgageBackedBondsLoanToValueRatioOtherAssetsLoans</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MortgageBackedBondsOutstandingFaceValue">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Mortgage-Backed Bonds, Outstanding, Face Value</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MortgageBackedBondsOutstandingFaceValue</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MortgageBackedSecuritiesAverageMaturity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the average maturity for mortgage-backed securities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MortgageBackedSecuritiesAverageMaturity</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MortgageBackedSecuritiesLoanToValueRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the required loan-to-value ratio for mortgage-backed securities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MortgageBackedSecuritiesLoanToValueRatio</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherAssetBackedSecuritiesPersonalLoansAverageMaturity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the average maturity for other assets - backed securities personal loans.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherAssetBackedSecuritiesPersonalLoansAverageMaturity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherAssetBackedSecuritiesSMEAverageMaturity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the average maturity for other assets - backed securities SME's.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherAssetBackedSecuritiesSMEAverageMaturity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>298
<FILENAME>R216.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<head>
<title></title>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Subordinated liabilities - Schedule of subordinated liabilities detail, by currency of issue (Details) - Financial liabilities at amortised cost<br> &#8364; in Millions, &#163; in Millions, R$ in Millions, $ in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="3"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>BRL (R$)</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>GBP (&#163;)</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount</a></td>
<td class="nump">&#8364; 29,287<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 35,813<span></span>
</td>
<td class="nump">&#8364; 30,912<span></span>
</td>
<td class="nump">&#8364; 25,926<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember', window );">Euro</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount</a></td>
<td class="nump">&#8364; 11,402<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">14,999<span></span>
</td>
<td class="nump">13,684<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedLiabilitiesInterestRate', window );">Annual interest rate</a></td>
<td class="nump">4.55%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember', window );">US dollar</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount</a></td>
<td class="nump">&#8364; 9,750<span></span>
</td>
<td class="nump">$ 11,462<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,425<span></span>
</td>
<td class="nump">11,300<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedLiabilitiesInterestRate', window );">Annual interest rate</a></td>
<td class="nump">6.53%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember', window );">Brazilian real</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount</a></td>
<td class="nump">&#8364; 4,354<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">R$ 28,117<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,600<span></span>
</td>
<td class="nump">2,518<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedLiabilitiesInterestRate', window );">Annual interest rate</a></td>
<td class="nump">16.30%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember', window );">Pound sterling</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount</a></td>
<td class="nump">&#8364; 1,347<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#163; 1,176<span></span>
</td>
<td class="nump">1,409<span></span>
</td>
<td class="nump">1,353<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedLiabilitiesInterestRate', window );">Annual interest rate</a></td>
<td class="nump">4.28%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember', window );">Other currencies</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount</a></td>
<td class="nump">&#8364; 2,434<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 2,380<span></span>
</td>
<td class="nump">&#8364; 2,057<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialInstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SubordinatedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that are subordinate to other liabilities with respect to claims.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SubordinatedLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedLiabilitiesInterestRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Annual interest rate of the subordinated liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedLiabilitiesInterestRate</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_EUR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_EUR</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_USD">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_USD</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_BRL</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_GBP</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=san_OtherCurrenciesMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Subordinated liabilities - Schedule of changes in subordinated liabilities (Details) - Financial liabilities at amortised cost - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Balance at beginning of&#160;year</a></td>
<td class="nump">&#8364; 35,813<span></span>
</td>
<td class="nump">&#8364; 30,912<span></span>
</td>
<td class="nump">&#8364; 25,926<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedLiabilitiesNetInclusionOfEntities', window );">Net inclusion of entities in the Group</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(40)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsSubordinatedLiabilities', window );">Issuances</a></td>
<td class="nump">2,287<span></span>
</td>
<td class="nump">7,001<span></span>
</td>
<td class="nump">7,007<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedLiabilitiesNetRedemptionsAndRepurchases', window );">Redemptions and repurchases</a></td>
<td class="num">(7,110)<span></span>
</td>
<td class="num">(2,572)<span></span>
</td>
<td class="num">(1,781)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedLiabilitiesIncreaseDecreaseDueToExchangeDifferencesAndOtherMovements', window );">Exchange differences and other movements</a></td>
<td class="num">(1,703)<span></span>
</td>
<td class="nump">472<span></span>
</td>
<td class="num">(200)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Balance at end of&#160;year</a></td>
<td class="nump">29,287<span></span>
</td>
<td class="nump">35,813<span></span>
</td>
<td class="nump">30,912<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedLiabilitiesNetIssuancesRedemptionsAndRepurchases', window );">Net issuances, redemptions and repurchases</a></td>
<td class="nump">4,823<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedLiabilitiesInterestPaidInRemunerationOfIssuances', window );">Interest paid in remuneration of issuances</a></td>
<td class="nump">1,560<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember', window );">Banco Santander (Brasil) S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsSubordinatedLiabilities', window );">Issuances</a></td>
<td class="nump">375<span></span>
</td>
<td class="nump">1,338<span></span>
</td>
<td class="nump">1,112<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember', window );">Banque Stellantis France</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsSubordinatedLiabilities', window );">Issuances</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">25<span></span>
</td>
<td class="nump">150<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedLiabilitiesNetRedemptionsAndRepurchases', window );">Redemptions and repurchases</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(78)<span></span>
</td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember', window );">Santander UK Group Holdings plc</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedLiabilitiesNetRedemptionsAndRepurchases', window );">Redemptions and repurchases</a></td>
<td class="num">(352)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember', window );">Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedLiabilitiesNetRedemptionsAndRepurchases', window );">Redemptions and repurchases</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(100)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember', window );">Santander UK plc</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedLiabilitiesNetRedemptionsAndRepurchases', window );">Redemptions and repurchases</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(702)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember', window );">Banco Santander, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdditionsSubordinatedLiabilities', window );">Issuances</a></td>
<td class="nump">1,862<span></span>
</td>
<td class="nump">5,625<span></span>
</td>
<td class="nump">5,610<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedLiabilitiesNetRedemptionsAndRepurchases', window );">Redemptions and repurchases</a></td>
<td class="num">&#8364; (6,754)<span></span>
</td>
<td class="num">&#8364; (2,433)<span></span>
</td>
<td class="num">&#8364; (1,000)<span></span>
</td>
</tr>
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<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that are subordinate to other liabilities with respect to claims.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SubordinatedLiabilities</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>New liabilities assumed during the reporting period that are subordinated to claims of general creditors.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AdditionsSubordinatedLiabilities</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedLiabilitiesIncreaseDecreaseDueToExchangeDifferencesAndOtherMovements">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in subordinated liabilities due to exchange differences and other movements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedLiabilitiesIncreaseDecreaseDueToExchangeDifferencesAndOtherMovements</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedLiabilitiesInterestPaidInRemunerationOfIssuances">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subordinated Liabilities, Interest Paid In Remuneration Of Issuances</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedLiabilitiesInterestPaidInRemunerationOfIssuances</td>
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<td>duration</td>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedLiabilitiesNetInclusionOfEntities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subordinated Liabilities, Net Inclusion Of Entities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedLiabilitiesNetInclusionOfEntities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedLiabilitiesNetIssuancesRedemptionsAndRepurchases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net amount of issuances, redemptions and repurchases for subordinated liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedLiabilitiesNetIssuancesRedemptionsAndRepurchases</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subordinated Liabilities, Net Redemptions And Repurchases</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedLiabilitiesNetRedemptionsAndRepurchases</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BanqueStellantisFranceMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKGroupHoldingsPLCMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<th class="th" colspan="1">1 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="2"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th">
<div>Dec. 01, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Jul. 02, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Feb. 17, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Aug. 01, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>May 20, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Mar. 14, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Jan. 22, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Nov. 21, 2023 </div>
<div>EUR (&#8364;) </div>
<div>branch</div>
</th>
<th class="th"><div>Nov. 16, 2023</div></th>
<th class="th">
<div>Oct. 01, 2023 </div>
<div>BRL (R$)</div>
</th>
<th class="th">
<div>Aug. 08, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>May 23, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Nov. 22, 2021 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Oct. 04, 2021 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Sep. 21, 2021 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>May 12, 2021 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 03, 2020 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Oct. 22, 2020 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Jan. 14, 2020 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Feb. 08, 2018 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Nov. 30, 2021 </div>
<div>BRL (R$)</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 01, 2025 </div>
<div>BRL (R$)</div>
</th>
<th class="th">
<div>Nov. 19, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Sep. 24, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Aug. 05, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Mar. 18, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Feb. 06, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Nov. 28, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Sep. 30, 2024 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Aug. 01, 2024 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Mar. 14, 2024 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Feb. 08, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Feb. 08, 2024 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 29, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Nov. 21, 2023 </div>
<div>USD ($) </div>
<div>branch</div>
</th>
<th class="th">
<div>Aug. 08, 2023 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Apr. 25, 2022 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Nov. 22, 2021 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Oct. 04, 2021 </div>
<div>GBP (&#163;)</div>
</th>
<th class="th">
<div>May 12, 2021 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 03, 2020 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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</td>
<td class="text">&#160;<span></span>
</td>
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</td>
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</td>
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</td>
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</td>
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</td>
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</td>
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</td>
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</td>
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</td>
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</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 505,992,000,000<span></span>
</td>
<td class="nump">&#8364; 511,727,000,000<span></span>
</td>
<td class="nump">&#8364; 418,294,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RepaymentsOfSubordinatedLiabilities', window );">Subordinated liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,822,000,000<span></span>
</td>
<td class="nump">4,096,000,000<span></span>
</td>
<td class="nump">2,931,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSeriesOfConvertiblePreferredStockIssued', window );">Number of series of convertible preferred stock issued | branch</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesMember', window );">Deposits redeemable at notice</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestPayable', window );">Accrued interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,486,000,000<span></span>
</td>
<td class="nump">1,357,000,000<span></span>
</td>
<td class="nump">1,010,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueIncreaseAccruedInterest', window );">Increase in accrued interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 622,000,000<span></span>
</td>
<td class="nump">&#8364; 620,000,000<span></span>
</td>
<td class="nump">&#8364; 492,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesMember', window );">Deposits redeemable at notice | Issuance By Banco Santander SA In January 2024</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,250,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NotionalAmountPlacedOnTheMarketPercentage', window );">Notional amount, placed on the market (in percentage)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">99.74%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueEuroSwapRateTerm', window );">Subordinated issue, euro swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesMember', window );">Deposits redeemable at notice | Issuance By Banco Santander SA In May 2023</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,500,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.75%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years 3 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.85%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueTerm', window );">Subordinated issue, term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years 3 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NotionalAmountPlacedOnTheMarketPercentage', window );">Notional amount, placed on the market (in percentage)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">99.739%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueEuroSwapRateTerm', window );">Subordinated issue, euro swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesMember', window );">Deposits redeemable at notice | Issuance By Santander Bank Polska S.A. In August 2010 | Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 100,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfLiabilitiesAxis=san_TierOneContingentlyConvertiblePreferredSecuritiesMember', window );">Tier 1 Contingently Convertible Preferred Securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 750,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_RepaidByBancoSantanderS.A.InDecember2025Member', window );">Repaid By Banco Santander S.A. In December 2025 | Deposits redeemable at notice</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">&#8364; 60,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InNovember2025Member', window );">Issuance By Banco Santander S.A. In November 2025 | Deposits redeemable at notice</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,500,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_RepaidByBancoSantanderS.A.InSeptember2025Member', window );">Repaid By Banco Santander S.A. In September 2025 | Deposits redeemable at notice</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 50,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_RepaidByBancoSantanderS.A.InAugust2025ISINXS1384064587Member', window );">Repaid By Banco Santander S.A. In August 2025, ISIN XS1384064587 | Deposits redeemable at notice</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,500,000,000<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.25%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_RepaidByBancoSantanderS.A.InAugust2025ISINXS1548444816Member', window );">Repaid By Banco Santander S.A. In August 2025, ISIN XS1548444816 | Deposits redeemable at notice</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,000,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.125%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_RepaidByBancoSantanderS.A.InJuly2025Member', window );">Repaid By Banco Santander S.A. In July 2025 | Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 466,600,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Memorandum items: subordinated liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,033,400,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InJuly2025Member', window );">Banco Santander, S.A., July 2025 | Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,500,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">6 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueMidSwapRateTerm', window );">Subordinated issue, mid-swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InJuly2025Member', window );">Banco Santander, S.A., July 2025 | Subordinated liabilities, preference shares | 5-Year Mid-Swap Rate (Euro)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.819%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InJuly2025Member', window );">Banco Santander, S.A., July 2025 | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">6 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueUSTRateTerm', window );">Subordinated issue, UST rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InMarch2025Member', window );">Issuance By Banco Santander S.A. In March 2025 | Deposits redeemable at notice</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,500,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InApril2016Member', window );">Issuance By Banco Santander S.A. In April 2016 | Deposits redeemable at notice</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,500,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RepaymentsOfSubordinatedLiabilities', window );">Subordinated liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 600,800,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InJanuary2017Member', window );">Issuance By Banco Santander S.A. In January 2017 | Deposits redeemable at notice</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,000,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RepaymentsOfSubordinatedLiabilities', window );">Subordinated liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 563,600,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InAugust2024Member', window );">Banco Santander, S.A., August 2024 | Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,356,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueMidSwapRateTerm', window );">Subordinated issue, mid-swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InAugust2024Member', window );">Banco Santander, S.A., August 2024 | Subordinated liabilities, preference shares | 5-Year Mid-Swap Rate (Euro)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.911%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.911%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InAugust2024Member', window );">Banco Santander, S.A., August 2024 | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueUSTRateTerm', window );">Subordinated issue, UST rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_RepaidByBancoSantanderS.A.InMay2024Member', window );">Repaid by Banco Santander S.A. in May 2024 | Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,312,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Memorandum items: subordinated liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">187,600,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InMay2024Member', window );">Banco Santander, S.A., May 2024 | Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,500,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">6 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueMidSwapRateTerm', window );">Subordinated issue, mid-swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InMay2024Member', window );">Banco Santander, S.A., May 2024 | Subordinated liabilities, preference shares | 5-Year Mid-Swap Rate (Euro)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.432%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InMay2024Member', window );">Banco Santander, S.A., May 2024 | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">6 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueMidSwapRateTerm', window );">Subordinated issue, mid-swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InMarch2024Member', window );">Issuance by Banco Santander S.A. in March 2024 | Deposits redeemable at notice</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,158,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,250<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6.35%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6.35%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueTerm', window );">Subordinated issue, term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_RepaidByBancoSantanderS.A.InFebruary2024Member', window );">Repaid by Banco Santander S.A. in February 2024 | Tier 1 Contingently Convertible Preferred Securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,110,000,000<span></span>
</td>
<td class="nump">$ 1,200<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInSeptember2017Member', window );">Issuance by Banco Santander S.A. in September 2017 | Tier 1 Contingently Convertible Preferred Securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,000,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInNovember2023Member', window );">Issuance by Banco Santander S.A. in November 2023 | Subordinated Liabilities, Preference Shares, First Series</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,054,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,150<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9.625%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9.625%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years 6 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.306%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.306%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueUSTRateTerm', window );">Subordinated issue, UST rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInNovember2023Member', window );">Issuance by Banco Santander S.A. in November 2023 | Subordinated Liabilities, Preference Shares, Second Series</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,235,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,350<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9.625%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9.625%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.298%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.298%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueUSTRateTerm', window );">Subordinated issue, UST rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInAugust2023Member', window );">Issuance by Banco Santander S.A. in August 2023 | Deposits redeemable at notice</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,821,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 2,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6.921%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6.921%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueTerm', window );">Subordinated issue, term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInNovember2021Member', window );">Issuance by Banco Santander S.A. in November 2021 | Subordinated debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,007,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.225%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.225%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.60%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.60%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueTerm', window );">Subordinated issue, term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">11 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueUSGovernmentBondTerm', window );">Subordinated issue, US government bond term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">1 year<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInOctober2021Member', window );">Issuance by Banco Santander S.A. in October 2021 | Subordinated debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 887,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#163; 850<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.25%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.25%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">6 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.65%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.65%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueTerm', window );">Subordinated issue, term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">11 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueUKGovernmentBondTerm', window );">Subordinated issue, UK government bond term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInSeptember2021Member', window );">Banco Santander, S.A., September 2021 | Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,000,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.625%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">8 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.76%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueMidSwapRateTerm', window );">Subordinated issue, mid-swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NotionalAmountPlacedOnTheMarket', window );">Subordinated issue, notional amount, placed on the market</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 997,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInSeptember2021Member', window );">Banco Santander, S.A., September 2021 | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.625%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">8 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueMidSwapRateTerm', window );">Subordinated issue, mid-swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInSeptember2021Member', window );">Banco Santander, S.A., September 2021 | Subordinated liabilities, preferred securities | 5-Year Mid-Swap Rate (Euro)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.76%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInMay2021Member', window );">Issuance by Banco Santander S.A. in May 2021 | Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,578,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInMay2021SeriesInDollarsMember', window );">Banco Santander, S.A., May 2021 | Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 828,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.75%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.75%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">6 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.753%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.753%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueUSTRateTerm', window );">Subordinated issue, UST rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInMay2021SeriesInDollarsMember', window );">Banco Santander, S.A., May 2021 | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.75%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">6 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueMidSwapRateTerm', window );">Subordinated issue, mid-swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInMay2021SeriesInEurosMember', window );">Banco Santander, S.A., May 2021 | Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 750,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.125%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.125%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">7 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.311%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.311%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueMidSwapRateTerm', window );">Subordinated issue, mid-swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInMay2021SeriesInEurosMember', window );">Banco Santander, S.A., May 2021 | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.125%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">7 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueMidSwapRateTerm', window );">Subordinated issue, mid-swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInMay2021SeriesInEurosMember', window );">Banco Santander, S.A., May 2021 | Subordinated liabilities, preferred securities | 5-Year Mid-Swap Rate (Euro)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.311%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInDecember2020Member', window );">Issuance by Banco Santander S.A. in December 2020 | Subordinated debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,222,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,500<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.749%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.749%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInOctober2020Member', window );">Issuance by Banco Santander S.A. in October 2020 | Subordinated debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,000,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.625%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInJanuary2020Member', window );">Banco Santander, S.A., January 2020 | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,500,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.375%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.375%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">6 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">6 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.534%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueMidSwapRateTerm', window );">Subordinated issue, mid-swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInJanuary2020Member', window );">Banco Santander, S.A., January 2020 | Subordinated liabilities, preferred securities | 5-Year Mid-Swap Rate (Euro)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.534%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInFebruary2018Member', window );">Issuance by Banco Santander S.A. in February 2018 | Subordinated debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.125%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Memorandum items: subordinated liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,250,000,000<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderBrasilInDecember2025Member', window );">Issuance By Banco Santander Brasil In December 2025 | Tier 2 Subordinated Debt | Banco Santander (Brasil) S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="nump">0.65%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.65%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Memorandum items: subordinated liabilities | R$</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">R$ 2,400<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueFirstCallDate', window );">Subordinated issue, first call date</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderBrasilInSeptember2024Member', window );">Issuance by Banco Santander Brasil in September 2024 | Additional Tier 1 Financial Notes | Banco Santander (Brasil) S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 7,600<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">140.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateUST', window );">Subordinated issue, interest rate, UST</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.22%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderBrasilInOctober2023Member', window );">Issuance by Banco Santander Brasil in October 2023 | Subordinated Financial Bills (TIER II) | Banco Santander (Brasil) S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.60%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Memorandum items: subordinated liabilities | R$</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">R$ 6,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderBrasilInNovember2021Member', window );">Issuance by Banco Santander Brasil in November 2021 | Subordinated Financial Bills (TIER II) | Banco Santander (Brasil) S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Subordinated issue, interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Memorandum items: subordinated liabilities | R$</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">R$ 5,500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialInstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestPayable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of interest recognised as a liability.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestPayable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NotionalAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The nominal or face amount of a financial instrument, used to calculate payments made on that instrument.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NotionalAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RepaymentsOfSubordinatedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for repayments of subordinated liabilities. [Refer: Subordinated liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 17<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_17&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RepaymentsOfSubordinatedLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SubordinatedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that are subordinate to other liabilities with respect to claims.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SubordinatedLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NotionalAmountPlacedOnTheMarket">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Notional Amount, Placed On The Market</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NotionalAmountPlacedOnTheMarket</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NotionalAmountPlacedOnTheMarketPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Notional Amount, Placed On The Market, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NotionalAmountPlacedOnTheMarketPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfSeriesOfConvertiblePreferredStockIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number Of Series Of Convertible Preferred Stock Issued</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfSeriesOfConvertiblePreferredStockIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The adjustment to the basis (reference rate) used for calculation of the interest rate on the subordinated issue, after the initial interest rate period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedIssueEuroSwapRateTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subordinated Issue, Euro Swap Rate Term</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedIssueEuroSwapRateTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedIssueFirstCallDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subordinated Issue, First Call Date</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedIssueFirstCallDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedIssueIncreaseAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase for accrued, but unpaid interest on the subordinated issues for the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedIssueIncreaseAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedIssueInitialInterestRateTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The initial interest rate term of the subordinated issue.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedIssueInitialInterestRateTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedIssueInterestRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The interest rate on subordinated issues.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedIssueInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedIssueInterestRateRepriceTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subordinated Issue, Interest Rate Reprice Term</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedIssueInterestRateRepriceTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedIssueInterestRateUST">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subordinated Issue, Interest Rate, UST</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedIssueInterestRateUST</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedIssueMidSwapRateTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subordinated Issue, Mid-Swap Rate Term</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedIssueMidSwapRateTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedIssueTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subordinated Issue, Term</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedIssueTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedIssueUKGovernmentBondTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subordinated Issue, UK Government Bond Term</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedIssueUKGovernmentBondTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedIssueUSGovernmentBondTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subordinated Issue, US Government Bond Term</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedIssueUSGovernmentBondTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedIssueUSTRateTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subordinated Issue, UST Rate Term</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedIssueUSTRateTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedBondsByIssuanceAxis=san_IssuanceByBancoSantanderSAInJanuary2024Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedBondsByIssuanceAxis=san_IssuanceByBancoSantanderSAInJanuary2024Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedBondsByIssuanceAxis=san_IssuanceByBancoSantanderSAInMay2023Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedBondsByIssuanceAxis=san_IssuanceByBancoSantanderSAInMay2023Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderBrasilInSeptember2024Member</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfLiabilitiesAxis=san_AdditionalTier1FinancialNotesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderBrasilInOctober2023Member</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedFinancialBillsTIERIIMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderBrasilInNovember2021Member</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Other financial liabilities - Schedule of other financial liabilities (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesAbstract', window );"><strong>Disclosure of financial liabilities [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TradeAndOtherPayablesToTradeSuppliers', window );">Trade payables</a></td>
<td class="nump">&#8364; 1,452<span></span>
</td>
<td class="nump">&#8364; 1,452<span></span>
</td>
<td class="nump">&#8364; 1,783<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ItemsInCourseOfTransmissionToOtherBanks', window );">Clearing houses</a></td>
<td class="nump">794<span></span>
</td>
<td class="nump">776<span></span>
</td>
<td class="nump">1,269<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PayablesOnSocialSecurityAndTaxesOtherThanIncomeTax', window );">Public Institutions</a></td>
<td class="nump">6,271<span></span>
</td>
<td class="nump">6,156<span></span>
</td>
<td class="nump">4,986<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FactoringAccountsPayable', window );">Factoring accounts payable</a></td>
<td class="nump">274<span></span>
</td>
<td class="nump">226<span></span>
</td>
<td class="nump">272<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UnsettledFinancialTransactionsLiability', window );">Unsettled financial transactions</a></td>
<td class="nump">3,860<span></span>
</td>
<td class="nump">7,421<span></span>
</td>
<td class="nump">6,412<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LeaseLiabilities', window );">Lease liabilities</a></td>
<td class="nump">1,822<span></span>
</td>
<td class="nump">2,202<span></span>
</td>
<td class="nump">2,400<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherFinancialLiabilitiesUnspecified', window );">Other financial liabilities</a></td>
<td class="nump">21,645<span></span>
</td>
<td class="nump">21,683<span></span>
</td>
<td class="nump">23,065<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherFinancialLiabilities', window );">Other financial liabilities, total</a></td>
<td class="nump">&#8364; 36,118<span></span>
</td>
<td class="nump">&#8364; 39,916<span></span>
</td>
<td class="nump">&#8364; 40,187<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialLiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialLiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ItemsInCourseOfTransmissionToOtherBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of items that have been transmitted to but not yet received and processed by other banks.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ItemsInCourseOfTransmissionToOtherBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LeaseLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities related to the entity's leases. Lease is a contract, or part of a contract, that conveys the right to use an underlying asset for a period of time in exchange for consideration.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 47<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_47_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LeaseLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherFinancialLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities that the entity does not separately disclose in the same statement or note. [Refer: Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph m<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_m&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherFinancialLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PayablesOnSocialSecurityAndTaxesOtherThanIncomeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of payment due on social security and taxes other than income tax. Income taxes include all domestic and foreign taxes that are based on taxable profits. Income taxes also include taxes, such as withholding taxes, that are payable by a subsidiary, associate or joint arrangement on distributions to the reporting entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PayablesOnSocialSecurityAndTaxesOtherThanIncomeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TradeAndOtherPayablesToTradeSuppliers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of payment due to suppliers for goods and services used in the entity's business.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TradeAndOtherPayablesToTradeSuppliers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_FactoringAccountsPayable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of factoring accounts payable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FactoringAccountsPayable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherFinancialLiabilitiesUnspecified">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities described as other that are not specifically identified in the disclosure.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherFinancialLiabilitiesUnspecified</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_UnsettledFinancialTransactionsLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of unsettled financial transactions recognized as a liability.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_UnsettledFinancialTransactionsLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
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<DOCUMENT>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other financial liabilities - Narrative (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialLiabilitiesAbstract', window );"><strong>Disclosure of financial liabilities [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashOutflowForLeases', window );">Cash outflow of leases</a></td>
<td class="nump">&#8364; 510<span></span>
</td>
<td class="nump">&#8364; 684<span></span>
</td>
<td class="nump">&#8364; 738<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashOutflowForLeases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for leases.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 53<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_53_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 115<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_115_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 115<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_115_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashOutflowForLeases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialLiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialLiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>303
<FILENAME>R221.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Other financial liabilities - Disclosure of maturity analysis for non-derivative financial liabilities (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesLineItems', window );"><strong>Disclosure of maturity analysis for non-derivative financial liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LeaseLiabilities', window );">Lease liabilities</a></td>
<td class="nump">&#8364; 1,822<span></span>
</td>
<td class="nump">&#8364; 2,202<span></span>
</td>
<td class="nump">&#8364; 2,400<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanOneYearMember', window );">Within 1 year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesLineItems', window );"><strong>Disclosure of maturity analysis for non-derivative financial liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LeaseLiabilities', window );">Lease liabilities</a></td>
<td class="nump">466<span></span>
</td>
<td class="nump">526<span></span>
</td>
<td class="nump">586<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember', window );">Between 1 and 3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesLineItems', window );"><strong>Disclosure of maturity analysis for non-derivative financial liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LeaseLiabilities', window );">Lease liabilities</a></td>
<td class="nump">619<span></span>
</td>
<td class="nump">868<span></span>
</td>
<td class="nump">918<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">Between 3 and 5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesLineItems', window );"><strong>Disclosure of maturity analysis for non-derivative financial liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LeaseLiabilities', window );">Lease liabilities</a></td>
<td class="nump">315<span></span>
</td>
<td class="nump">405<span></span>
</td>
<td class="nump">480<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">Later than 5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesLineItems', window );"><strong>Disclosure of maturity analysis for non-derivative financial liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LeaseLiabilities', window );">Lease liabilities</a></td>
<td class="nump">&#8364; 422<span></span>
</td>
<td class="nump">&#8364; 403<span></span>
</td>
<td class="nump">&#8364; 416<span></span>
</td>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfMaturityAnalysisForNonderivativeFinancialLiabilitiesLineItems</td>
</tr>
<tr>
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</tr>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LeaseLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities related to the entity's leases. Lease is a contract, or part of a contract, that conveys the right to use an underlying asset for a period of time in exchange for consideration.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 47<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_47_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LeaseLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanOneYearMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_NotLaterThanOneYearMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>304
<FILENAME>R222.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Provisions - Schedule of details of provisions (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">&#8364; 8,355<span></span>
</td>
<td class="nump">&#8364; 8,407<span></span>
</td>
<td class="nump">&#8364; 8,441<span></span>
</td>
<td class="nump">&#8364; 8,149<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember', window );">Post-employment&#160;plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">1,656<span></span>
</td>
<td class="nump">1,731<span></span>
</td>
<td class="nump">2,225<span></span>
</td>
<td class="nump">2,392<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_OtherLongTermEmployeeBenefitsProvisionMember', window );">Other long term employee benefits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">993<span></span>
</td>
<td class="nump">915<span></span>
</td>
<td class="nump">880<span></span>
</td>
<td class="nump">950<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_TaxesAndOtherLegalContingenciesProvisionMember', window );">Taxes and other legal contingencies</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">2,989<span></span>
</td>
<td class="nump">2,717<span></span>
</td>
<td class="nump">2,715<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_CommitmentsAndGuaranteesGivenProvisionMember', window );">Contingent liabilities and commitments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">713<span></span>
</td>
<td class="nump">710<span></span>
</td>
<td class="nump">702<span></span>
</td>
<td class="nump">&#8364; 734<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=ifrs-full_MiscellaneousOtherProvisionsMember', window );">Other provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">&#8364; 2,004<span></span>
</td>
<td class="nump">&#8364; 2,334<span></span>
</td>
<td class="nump">&#8364; 1,919<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfOtherProvisionsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfOtherProvisionsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Provisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities of uncertain timing or amount, including provisions for employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph l<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_l&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Provisions</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=san_OtherLongTermEmployeeBenefitsProvisionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_OtherLongTermEmployeeBenefitsProvisionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=san_TaxesAndOtherLegalContingenciesProvisionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_TaxesAndOtherLegalContingenciesProvisionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=san_CommitmentsAndGuaranteesGivenProvisionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_CommitmentsAndGuaranteesGivenProvisionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=ifrs-full_MiscellaneousOtherProvisionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=ifrs-full_MiscellaneousOtherProvisionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>305
<FILENAME>R223.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Provisions - Schedule of changes in provision (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Balances at beginning of year</a></td>
<td class="nump">&#8364; 8,407<span></span>
</td>
<td class="nump">&#8364; 8,441<span></span>
</td>
<td class="nump">&#8364; 8,149<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions', window );">Incorporation of Group companies, net</a></td>
<td class="num">(13)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(4)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions', window );">Additions charged to income</a></td>
<td class="nump">2,434<span></span>
</td>
<td class="nump">3,212<span></span>
</td>
<td class="nump">2,193<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseThroughPensionInterestExpenseProvision', window );">Interest expense (note 39)</a></td>
<td class="nump">91<span></span>
</td>
<td class="nump">105<span></span>
</td>
<td class="nump">93<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions', window );">Staff costs (note 46)</a></td>
<td class="nump">41<span></span>
</td>
<td class="nump">45<span></span>
</td>
<td class="nump">42<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughExtraordinaryProvisions', window );">Provisions or reversion of provisions</a></td>
<td class="nump">2,302<span></span>
</td>
<td class="nump">3,062<span></span>
</td>
<td class="nump">2,058<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseThroughAdditionOfExtraordinaryProvisions', window );">Addition</a></td>
<td class="nump">5,057<span></span>
</td>
<td class="nump">4,796<span></span>
</td>
<td class="nump">3,992<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughReleaseOfExtraordinaryProvisions', window );">Release</a></td>
<td class="num">(2,755)<span></span>
</td>
<td class="num">(1,734)<span></span>
</td>
<td class="num">(1,934)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughOtherAdditionsArisingFromInsuranceContractsLinkedToPensionsProvisions', window );">Other additions arising from insurance contracts linked to pensions</a></td>
<td class="num">(5)<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions', window );">Changes in value recognised in equity</a></td>
<td class="nump">220<span></span>
</td>
<td class="nump">643<span></span>
</td>
<td class="nump">944<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions', window );">Payments to pensioners and pre-retirees with a charge to internal provisions</a></td>
<td class="num">(465)<span></span>
</td>
<td class="num">(484)<span></span>
</td>
<td class="num">(498)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThoughPaymentsInRespectOfSettlementsProvision', window );">Benefits paid due to settlements</a></td>
<td class="num">(31)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughInsurancePremiumsPaidProvisions', window );">Insurance premiums paid</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughPaymentsToExternalFundsProvisions', window );">Payments to external funds</a></td>
<td class="num">(329)<span></span>
</td>
<td class="num">(708)<span></span>
</td>
<td class="num">(750)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughAmountsUsedProvisions', window );">Amounts used</a></td>
<td class="num">(1,914)<span></span>
</td>
<td class="num">(2,178)<span></span>
</td>
<td class="num">(1,826)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions', window );">Transfer, exchange differences and other changes</a></td>
<td class="nump">51<span></span>
</td>
<td class="num">(517)<span></span>
</td>
<td class="nump">233<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Balances at end of&#160;year</a></td>
<td class="nump">8,355<span></span>
</td>
<td class="nump">8,407<span></span>
</td>
<td class="nump">8,441<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember', window );">Post employment plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Balances at beginning of year</a></td>
<td class="nump">1,731<span></span>
</td>
<td class="nump">2,225<span></span>
</td>
<td class="nump">2,392<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions', window );">Incorporation of Group companies, net</a></td>
<td class="num">(13)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(4)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions', window );">Additions charged to income</a></td>
<td class="nump">75<span></span>
</td>
<td class="nump">94<span></span>
</td>
<td class="nump">92<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseThroughPensionInterestExpenseProvision', window );">Interest expense (note 39)</a></td>
<td class="nump">59<span></span>
</td>
<td class="nump">76<span></span>
</td>
<td class="nump">59<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions', window );">Staff costs (note 46)</a></td>
<td class="nump">32<span></span>
</td>
<td class="nump">34<span></span>
</td>
<td class="nump">33<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughExtraordinaryProvisions', window );">Provisions or reversion of provisions</a></td>
<td class="num">(16)<span></span>
</td>
<td class="num">(16)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseThroughAdditionOfExtraordinaryProvisions', window );">Addition</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughReleaseOfExtraordinaryProvisions', window );">Release</a></td>
<td class="num">(22)<span></span>
</td>
<td class="num">(21)<span></span>
</td>
<td class="num">(3)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughOtherAdditionsArisingFromInsuranceContractsLinkedToPensionsProvisions', window );">Other additions arising from insurance contracts linked to pensions</a></td>
<td class="num">(5)<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions', window );">Changes in value recognised in equity</a></td>
<td class="nump">220<span></span>
</td>
<td class="nump">643<span></span>
</td>
<td class="nump">944<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions', window );">Payments to pensioners and pre-retirees with a charge to internal provisions</a></td>
<td class="num">(107)<span></span>
</td>
<td class="num">(153)<span></span>
</td>
<td class="num">(182)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThoughPaymentsInRespectOfSettlementsProvision', window );">Benefits paid due to settlements</a></td>
<td class="num">(31)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughInsurancePremiumsPaidProvisions', window );">Insurance premiums paid</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughPaymentsToExternalFundsProvisions', window );">Payments to external funds</a></td>
<td class="num">(329)<span></span>
</td>
<td class="num">(708)<span></span>
</td>
<td class="num">(750)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughAmountsUsedProvisions', window );">Amounts used</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions', window );">Transfer, exchange differences and other changes</a></td>
<td class="nump">115<span></span>
</td>
<td class="num">(368)<span></span>
</td>
<td class="num">(267)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Balances at end of&#160;year</a></td>
<td class="nump">1,656<span></span>
</td>
<td class="nump">1,731<span></span>
</td>
<td class="nump">2,225<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_OtherLongTermEmployeeBenefitsProvisionMember', window );">Long term employee benefits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Balances at beginning of year</a></td>
<td class="nump">915<span></span>
</td>
<td class="nump">880<span></span>
</td>
<td class="nump">950<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions', window );">Incorporation of Group companies, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions', window );">Additions charged to income</a></td>
<td class="nump">437<span></span>
</td>
<td class="nump">368<span></span>
</td>
<td class="nump">244<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseThroughPensionInterestExpenseProvision', window );">Interest expense (note 39)</a></td>
<td class="nump">32<span></span>
</td>
<td class="nump">29<span></span>
</td>
<td class="nump">34<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions', window );">Staff costs (note 46)</a></td>
<td class="nump">9<span></span>
</td>
<td class="nump">11<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughExtraordinaryProvisions', window );">Provisions or reversion of provisions</a></td>
<td class="nump">396<span></span>
</td>
<td class="nump">328<span></span>
</td>
<td class="nump">201<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseThroughAdditionOfExtraordinaryProvisions', window );">Addition</a></td>
<td class="nump">424<span></span>
</td>
<td class="nump">335<span></span>
</td>
<td class="nump">204<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughReleaseOfExtraordinaryProvisions', window );">Release</a></td>
<td class="num">(28)<span></span>
</td>
<td class="num">(7)<span></span>
</td>
<td class="num">(3)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughOtherAdditionsArisingFromInsuranceContractsLinkedToPensionsProvisions', window );">Other additions arising from insurance contracts linked to pensions</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions', window );">Changes in value recognised in equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions', window );">Payments to pensioners and pre-retirees with a charge to internal provisions</a></td>
<td class="num">(358)<span></span>
</td>
<td class="num">(331)<span></span>
</td>
<td class="num">(316)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThoughPaymentsInRespectOfSettlementsProvision', window );">Benefits paid due to settlements</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughInsurancePremiumsPaidProvisions', window );">Insurance premiums paid</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughPaymentsToExternalFundsProvisions', window );">Payments to external funds</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughAmountsUsedProvisions', window );">Amounts used</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions', window );">Transfer, exchange differences and other changes</a></td>
<td class="num">(1)<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Balances at end of&#160;year</a></td>
<td class="nump">993<span></span>
</td>
<td class="nump">915<span></span>
</td>
<td class="nump">880<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_CommitmentsAndGuaranteesGivenProvisionMember', window );">Contingent liabilities and commitments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Balances at beginning of year</a></td>
<td class="nump">710<span></span>
</td>
<td class="nump">702<span></span>
</td>
<td class="nump">734<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions', window );">Incorporation of Group companies, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions', window );">Additions charged to income</a></td>
<td class="nump">50<span></span>
</td>
<td class="nump">47<span></span>
</td>
<td class="num">(38)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseThroughPensionInterestExpenseProvision', window );">Interest expense (note 39)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions', window );">Staff costs (note 46)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughExtraordinaryProvisions', window );">Provisions or reversion of provisions</a></td>
<td class="nump">50<span></span>
</td>
<td class="nump">47<span></span>
</td>
<td class="num">(38)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseThroughAdditionOfExtraordinaryProvisions', window );">Addition</a></td>
<td class="nump">591<span></span>
</td>
<td class="nump">430<span></span>
</td>
<td class="nump">378<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughReleaseOfExtraordinaryProvisions', window );">Release</a></td>
<td class="num">(541)<span></span>
</td>
<td class="num">(383)<span></span>
</td>
<td class="num">(416)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughOtherAdditionsArisingFromInsuranceContractsLinkedToPensionsProvisions', window );">Other additions arising from insurance contracts linked to pensions</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions', window );">Changes in value recognised in equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions', window );">Payments to pensioners and pre-retirees with a charge to internal provisions</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThoughPaymentsInRespectOfSettlementsProvision', window );">Benefits paid due to settlements</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughInsurancePremiumsPaidProvisions', window );">Insurance premiums paid</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughPaymentsToExternalFundsProvisions', window );">Payments to external funds</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughAmountsUsedProvisions', window );">Amounts used</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions', window );">Transfer, exchange differences and other changes</a></td>
<td class="num">(47)<span></span>
</td>
<td class="num">(39)<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Balances at end of&#160;year</a></td>
<td class="nump">713<span></span>
</td>
<td class="nump">710<span></span>
</td>
<td class="nump">702<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember', window );">Other provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Balances at beginning of year</a></td>
<td class="nump">5,051<span></span>
</td>
<td class="nump">4,634<span></span>
</td>
<td class="nump">4,073<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions', window );">Incorporation of Group companies, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions', window );">Additions charged to income</a></td>
<td class="nump">1,872<span></span>
</td>
<td class="nump">2,703<span></span>
</td>
<td class="nump">1,895<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseThroughPensionInterestExpenseProvision', window );">Interest expense (note 39)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions', window );">Staff costs (note 46)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughExtraordinaryProvisions', window );">Provisions or reversion of provisions</a></td>
<td class="nump">1,872<span></span>
</td>
<td class="nump">2,703<span></span>
</td>
<td class="nump">1,895<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseThroughAdditionOfExtraordinaryProvisions', window );">Addition</a></td>
<td class="nump">4,036<span></span>
</td>
<td class="nump">4,026<span></span>
</td>
<td class="nump">3,407<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughReleaseOfExtraordinaryProvisions', window );">Release</a></td>
<td class="num">(2,164)<span></span>
</td>
<td class="num">(1,323)<span></span>
</td>
<td class="num">(1,512)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughOtherAdditionsArisingFromInsuranceContractsLinkedToPensionsProvisions', window );">Other additions arising from insurance contracts linked to pensions</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions', window );">Changes in value recognised in equity</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions', window );">Payments to pensioners and pre-retirees with a charge to internal provisions</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThoughPaymentsInRespectOfSettlementsProvision', window );">Benefits paid due to settlements</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughInsurancePremiumsPaidProvisions', window );">Insurance premiums paid</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughPaymentsToExternalFundsProvisions', window );">Payments to external funds</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughAmountsUsedProvisions', window );">Amounts used</a></td>
<td class="num">(1,914)<span></span>
</td>
<td class="num">(2,178)<span></span>
</td>
<td class="num">(1,825)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions', window );">Transfer, exchange differences and other changes</a></td>
<td class="num">(16)<span></span>
</td>
<td class="num">(108)<span></span>
</td>
<td class="nump">491<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Balances at end of&#160;year</a></td>
<td class="nump">&#8364; 4,993<span></span>
</td>
<td class="nump">&#8364; 5,051<span></span>
</td>
<td class="nump">&#8364; 4,634<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfOtherProvisionsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfOtherProvisionsLineItems</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Provisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities of uncertain timing or amount, including provisions for employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph l<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_l&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Provisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DecreaseThoughPaymentsInRespectOfSettlementsProvision">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Decrease Though Payments In Respect Of Settlements, Provision</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DecreaseThoughPaymentsInRespectOfSettlementsProvision</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DecreaseThroughAmountsUsedProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Provisions, amount used in the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DecreaseThroughAmountsUsedProvisions</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DecreaseThroughInsurancePremiumsPaidProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Decrease Through Insurance Premiums Paid, Provisions</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DecreaseThroughInsurancePremiumsPaidProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DecreaseThroughPaymentsToExternalFundsProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Payments to external funds.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DecreaseThroughPaymentsToExternalFundsProvisions</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Decrease increase in provision balance due to payments to pensioners and pre-retirees.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DecreaseThroughPaymentsToPensionersAndPreRetireesProvisions</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DecreaseThroughReleaseOfExtraordinaryProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Release of extraordinary provisions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DecreaseThroughReleaseOfExtraordinaryProvisions</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Additions charged or reversed to income for provisions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughAdditionsChargedReversedToIncomeProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase decrease in provisions due to changes in value recognised in equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughExtraordinaryProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Extraordinary provisions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughExtraordinaryProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) Through Incorporation Of Group Companies, Provisions</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughOtherAdditionsArisingFromInsuranceContractsLinkedToPensionsProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other additions of provision arising from insurance contracts linked to pension.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughOtherAdditionsArisingFromInsuranceContractsLinkedToPensionsProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase or decrease to provisions due to transfer, exchange differences and other changes</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseThroughAdditionOfExtraordinaryProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Additions of extraordinary provisions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseThroughAdditionOfExtraordinaryProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Additions to provisions for defined benefit pension plans for personnel expenses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseThroughDefinedBenefitPensionPlansPersonnelExpenseProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseThroughPensionInterestExpenseProvision">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Provision for pension interest expense.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseThroughPensionInterestExpenseProvision</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=san_OtherLongTermEmployeeBenefitsProvisionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_OtherLongTermEmployeeBenefitsProvisionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=san_CommitmentsAndGuaranteesGivenProvisionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_CommitmentsAndGuaranteesGivenProvisionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Provisions - Schedule of provision for pensions and similar obligations (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">&#8364; 8,355<span></span>
</td>
<td class="nump">&#8364; 8,407<span></span>
</td>
<td class="nump">&#8364; 8,441<span></span>
</td>
<td class="nump">&#8364; 8,149<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProvisionForDefinedBenefits', window );">Provisions for defined benefits</a></td>
<td class="nump">2,637<span></span>
</td>
<td class="nump">2,638<span></span>
</td>
<td class="nump">3,097<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_ProvisionsForPensionsAndSimilarObligationsMember', window );">Provision for pensions and other obligations post -employments and Other long term employee benefits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">2,649<span></span>
</td>
<td class="nump">2,646<span></span>
</td>
<td class="nump">3,105<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember', window );">Post-employment&#160;plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">1,656<span></span>
</td>
<td class="nump">1,731<span></span>
</td>
<td class="nump">2,225<span></span>
</td>
<td class="nump">2,392<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_OtherLongTermEmployeeBenefitsProvisionMember', window );">Other long term employee benefits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">993<span></span>
</td>
<td class="nump">915<span></span>
</td>
<td class="nump">880<span></span>
</td>
<td class="nump">&#8364; 950<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProvisionsForPreRetirements', window );">Provisions for pre-retirements</a></td>
<td class="nump">916<span></span>
</td>
<td class="nump">839<span></span>
</td>
<td class="nump">805<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Post-employment&#160;plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">602<span></span>
</td>
<td class="nump">674<span></span>
</td>
<td class="nump">770<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Other long term employee benefits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">927<span></span>
</td>
<td class="nump">852<span></span>
</td>
<td class="nump">817<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">United Kingdom | Post-employment&#160;plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">26<span></span>
</td>
<td class="nump">28<span></span>
</td>
<td class="nump">76<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember', window );">Other subsidiaries | Post-employment&#160;plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">1,028<span></span>
</td>
<td class="nump">1,029<span></span>
</td>
<td class="nump">1,379<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember', window );">Other subsidiaries | Other long term employee benefits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">&#8364; 66<span></span>
</td>
<td class="nump">&#8364; 63<span></span>
</td>
<td class="nump">&#8364; 63<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfOtherProvisionsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfOtherProvisionsLineItems</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Provisions">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities of uncertain timing or amount, including provisions for employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph l<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_l&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Provisions</td>
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<tr>
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<tr>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ProvisionForDefinedBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Provisions for defined benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ProvisionForDefinedBenefits</td>
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<tr>
<td><strong> Period Type:</strong></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ProvisionsForPreRetirements">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Provisions for pre-retirements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ProvisionsForPreRetirements</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=san_ProvisionsForPensionsAndSimilarObligationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_ProvisionsForPensionsAndSimilarObligationsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=san_OtherLongTermEmployeeBenefitsProvisionMember">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_GB">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_GB</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>307
<FILENAME>R225.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Provisions - Provisions Narrative (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;) </div>
<div>people</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;) </div>
<div>people</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>EUR (&#8364;) </div>
<div>people</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers', window );">Number of employees accepted the pre-retirement and voluntary redundancy offers | people</a></td>
<td class="nump">1,238<span></span>
</td>
<td class="nump">826<span></span>
</td>
<td class="nump">502<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers', window );">Provisions recognized to cover expenses of pre-retirement and voluntary redundancy offers</a></td>
<td class="nump">&#8364; 389<span></span>
</td>
<td class="nump">&#8364; 303<span></span>
</td>
<td class="nump">&#8364; 160<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans', window );">Contributions to defined contribution pension funds</a></td>
<td class="nump">332<span></span>
</td>
<td class="nump">354<span></span>
</td>
<td class="nump">307<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans', window );">Actuarial gains and losses on defined benefit pension plans</a></td>
<td class="num">(73)<span></span>
</td>
<td class="num">(584)<span></span>
</td>
<td class="num">(1,038)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans', window );">Contributions to defined contribution pension funds</a></td>
<td class="nump">130<span></span>
</td>
<td class="nump">126<span></span>
</td>
<td class="nump">116<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans', window );">Actuarial gains and losses on defined benefit pension plans</a></td>
<td class="num">&#8364; (33)<span></span>
</td>
<td class="nump">&#8364; 21<span></span>
</td>
<td class="nump">&#8364; 10<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfDiscountRates', window );">Annual discount rate</a></td>
<td class="nump">3.75%<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Post-employment&#160;plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfDiscountRates', window );">Annual discount rate</a></td>
<td class="nump">3.75%<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
<td class="nump">3.35%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation', window );">Cumulative annual CPI growth</a></td>
<td class="nump">2.00%<span></span>
</td>
<td class="nump">2.00%<span></span>
</td>
<td class="nump">2.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Other long term employee benefits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfDiscountRates', window );">Annual discount rate</a></td>
<td class="nump">3.75%<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
<td class="nump">3.35%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation', window );">Cumulative annual CPI growth</a></td>
<td class="nump">2.00%<span></span>
</td>
<td class="nump">2.00%<span></span>
</td>
<td class="nump">2.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Discount rate actuarial assumptions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PercentageOfReasonablyPossibleIncreaseInActuarialAssumption', window );">Percentage of reasonably possible increase in actuarial assumption</a></td>
<td class="nump">0.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PercentageOfReasonablyPossibleDecreaseInActuarialAssumption', window );">Percentage of reasonably possible decrease in actuarial assumption</a></td>
<td class="nump">0.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Discount rate actuarial assumptions | Post-employment&#160;plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption', window );">Increase or decrease on obligations if decrease in actuarial assumption (as a percent)</a></td>
<td class="nump">4.02%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption', window );">Increase or decrease on obligations if increase in actuarial assumption (as a percent)</a></td>
<td class="num">(3.75%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Discount rate actuarial assumptions | Other long term employee benefits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption', window );">Increase or decrease on obligations if decrease in actuarial assumption (as a percent)</a></td>
<td class="nump">1.15%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption', window );">Increase or decrease on obligations if increase in actuarial assumption (as a percent)</a></td>
<td class="num">(1.15%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">United Kingdom</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans', window );">Contributions to defined contribution pension funds</a></td>
<td class="nump">&#8364; 92<span></span>
</td>
<td class="nump">&#8364; 98<span></span>
</td>
<td class="nump">&#8364; 87<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans', window );">Actuarial gains and losses on defined benefit pension plans</a></td>
<td class="nump">&#8364; 117<span></span>
</td>
<td class="nump">&#8364; 475<span></span>
</td>
<td class="nump">&#8364; 687<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfDiscountRates', window );">Annual discount rate</a></td>
<td class="nump">5.58%<span></span>
</td>
<td class="nump">5.54%<span></span>
</td>
<td class="nump">4.63%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation', window );">Cumulative annual CPI growth</a></td>
<td class="nump">2.90%<span></span>
</td>
<td class="nump">3.11%<span></span>
</td>
<td class="nump">3.02%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">United Kingdom | Discount rate actuarial assumptions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PercentageOfReasonablyPossibleIncreaseInActuarialAssumption', window );">Percentage of reasonably possible increase in actuarial assumption</a></td>
<td class="nump">0.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PercentageOfReasonablyPossibleDecreaseInActuarialAssumption', window );">Percentage of reasonably possible decrease in actuarial assumption</a></td>
<td class="nump">0.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption', window );">Increase or decrease on obligations if decrease in actuarial assumption (as a percent)</a></td>
<td class="nump">5.82%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption', window );">Increase or decrease on obligations if increase in actuarial assumption (as a percent)</a></td>
<td class="num">(5.28%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">United Kingdom | Inflation rate assumption</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PercentageOfReasonablyPossibleIncreaseInActuarialAssumption', window );">Percentage of reasonably possible increase in actuarial assumption</a></td>
<td class="nump">0.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PercentageOfReasonablyPossibleDecreaseInActuarialAssumption', window );">Percentage of reasonably possible decrease in actuarial assumption</a></td>
<td class="nump">0.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption', window );">Increase or decrease on obligations if decrease in actuarial assumption (as a percent)</a></td>
<td class="num">(4.14%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption', window );">Increase or decrease on obligations if increase in actuarial assumption (as a percent)</a></td>
<td class="nump">4.23%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember', window );">Other foreign subsidiaries</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans', window );">Contributions to defined contribution pension funds</a></td>
<td class="nump">&#8364; 110<span></span>
</td>
<td class="nump">&#8364; 133<span></span>
</td>
<td class="nump">&#8364; 107<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans', window );">Actuarial gains and losses on defined benefit pension plans</a></td>
<td class="nump">&#8364; 136<span></span>
</td>
<td class="nump">&#8364; 147<span></span>
</td>
<td class="nump">&#8364; 247<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember', window );">Other foreign subsidiaries | Discount rate actuarial assumptions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PercentageOfReasonablyPossibleIncreaseInActuarialAssumption', window );">Percentage of reasonably possible increase in actuarial assumption</a></td>
<td class="nump">0.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PercentageOfReasonablyPossibleDecreaseInActuarialAssumption', window );">Percentage of reasonably possible decrease in actuarial assumption</a></td>
<td class="nump">0.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption', window );">Increase or decrease on obligations if decrease in actuarial assumption (as a percent)</a></td>
<td class="nump">3.92%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption', window );">Increase or decrease on obligations if increase in actuarial assumption (as a percent)</a></td>
<td class="num">(3.53%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation', window );">Cumulative annual CPI growth</a></td>
<td class="nump">3.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfDiscountRates', window );">Annual discount rate</a></td>
<td class="nump">10.52%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfDiscountRates', window );">Annual discount rate</a></td>
<td class="nump">10.65%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Provisions for employment-related proceedings (Brazil)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdditionalProvisionsOtherProvisions', window );">Additional provisions charged to income statement</a></td>
<td class="nump">&#8364; 524<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProvisionUsedOtherProvisions', window );">Provision used, other provisions</a></td>
<td class="nump">384<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Legal proceedings provision</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdditionalProvisionsOtherProvisions', window );">Additional provisions charged to income statement</a></td>
<td class="nump">185<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProvisionUsedOtherProvisions', window );">Provision used, other provisions</a></td>
<td class="nump">&#8364; 159<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ActuarialAssumptionOfDiscountRates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The discount rate used as the significant actuarial assumption to determine the present value of a defined benefit obligation. [Refer: Defined benefit obligation, at present value; Actuarial assumptions [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 144<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_144&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialAssumptionOfDiscountRates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The expected rate of inflation that is used as a significant actuarial assumption to determine the present value of a defined benefit obligation. [Refer: Defined benefit plans [domain]; Defined benefit obligation, at present value; Actuarial assumptions [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 144<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_144&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdditionalProvisionsOtherProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of additional other provisions made. [Refer: Other provisions]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 37<br> -IssueDate 2025-01-01<br> -Paragraph 84<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_84_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 257<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_257_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 257<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_257_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdditionalProvisionsOtherProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfOtherProvisionsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfOtherProvisionsLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, related to gains (losses) on remeasurements of defined benefit plans, which comprise actuarial gains and losses; the return on plan assets, excluding amounts included in net interest on the net defined benefit liability (asset); and any change in the effect of the asset ceiling, excluding amounts included in net interest on the net defined benefit liability (asset). [Refer: Other comprehensive income; Defined benefit plans [domain]; Plan assets [member]; Net defined benefit liability (asset)] [Contrast: Decrease (increase) in net defined benefit liability (asset) resulting from gain (loss) on remeasurement in other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 135<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_135_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PercentageOfReasonablyPossibleDecreaseInActuarialAssumption">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The reasonably possible percentage of the decrease in the actuarial assumption used to determine the present value of defined benefit obligation. [Refer: Actuarial assumptions [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 145<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_145_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PercentageOfReasonablyPossibleDecreaseInActuarialAssumption</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PercentageOfReasonablyPossibleIncreaseInActuarialAssumption">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The reasonably possible percentage of the increase in the actuarial assumption used to determine the present value of defined benefit obligation. [Refer: Actuarial assumptions [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 145<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_145_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PercentageOfReasonablyPossibleIncreaseInActuarialAssumption</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 53<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_53&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 203<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_203&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 203<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_203&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProvisionUsedOtherProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount used (ie incurred and charged against the provision) for other provisions. [Refer: Other provisions]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 37<br> -IssueDate 2025-01-01<br> -Paragraph 84<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_84_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 257<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_257_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 257<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_257_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProvisionUsedOtherProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage increase decrease in benefit obligations due to reasonably possible decrease in actuarial assumption.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage increase decrease in benefit obligations due to reasonably possible increase in actuarial assumption.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of employees accepted the pre-retirement and voluntary redundancy offers.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:decimalItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Provisions recognized to cover expenses of pre-retirement and voluntary redundancy offers.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=san_OtherLongTermEmployeeBenefitsProvisionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_OtherLongTermEmployeeBenefitsProvisionMember</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ActuarialAssumptionsAxis=ifrs-full_ActuarialAssumptionOfDiscountRatesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialAssumptionsAxis=ifrs-full_ActuarialAssumptionOfDiscountRatesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_GB</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialAssumptionsAxis=ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember</td>
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<td><strong> Balance Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_BR</td>
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<td><strong> Balance Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_ProvisionsForLabourProceedingsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=ifrs-full_LegalProceedingsProvisionMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Provisions - Litigation and other matters - Tax Litigation Narrative (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Jun. 13, 2023 </div>
<div>case</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS</a></td>
<td class="nump">&#8364; 8,355<span></span>
</td>
<td class="nump">&#8364; 8,407<span></span>
</td>
<td class="nump">&#8364; 8,441<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 8,149<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LegalProceedingsProvisionProbableLossFullyProvisioned', window );">Legal proceedings provision, probable loss fully provisioned</a></td>
<td class="nump">553<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSaSubsidiaryMember', window );">Banco Santander Brasil Sa Subsidiary</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EstimatedFinancialEffectOfContingentLiabilities', window );">Legal proceedings provision, possible loss, contingent liabilities</a></td>
<td class="nump">5,040<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_LegalCaseRelatingToProgramaDeIntegracaoSocialAndContribuicaoParaFinanciamentoDaSeguridadeSocialMember', window );">Legal Case Relating To Programa de Integra&#231;ao Social And Contribui&#231;&#227;o para Financiamento da Seguridade Social</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfUnfavorablyCasesRuledByFederalSupremeCourt', window );">Number of unfavorably cases ruled by federal supreme court | case</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_LegalCaseRelatingToQuestionableDeductionOfLoanLossesInIncomeTaxReturnsMember', window );">Legal case relating to questionable deduction of loan losses in income tax returns | Banco Santander Brazil SA Subsidiary</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_LegalCaseRelatingToTaxDeductibilityOfSaleOfSharesMember', window );">Legal Case Relating To Tax Deductibility Of Sale Of Shares | Banco Santander Brazil SA Subsidiary</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_LegalCaseRelatingToDeductionOfExpensesInIncomeTaxMember', window );">Legal case relating to deduction of expenses in income tax | Banco Santander (Brasil) S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_LegalCaseRelatingToTaxDeductibilityOfAmortizationOfGoodwillArisingOnAcquisitionMember', window );">Legal case related to tax deductibility of amortization of goodwill arising on acquisition | Banco Santander Brazil SA Subsidiary | Banco Comercial e de Investimento Sudameris S.A</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_LegalCaseRelatingToDeductionOfExpensesInIncomeTaxMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfContingentLiabilitiesAxis=san_LegalCaseRelatingToDeductionOfExpensesInIncomeTaxMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_LegalCaseRelatingToTaxDeductibilityOfAmortizationOfGoodwillArisingOnAcquisitionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfContingentLiabilitiesAxis=san_LegalCaseRelatingToTaxDeductibilityOfAmortizationOfGoodwillArisingOnAcquisitionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BusinessCombinationsAxis=san_BancoComercialEDeInvestimentoSudamerisSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BusinessCombinationsAxis=san_BancoComercialEDeInvestimentoSudamerisSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BusinessCombinationsAxis=san_GetnetTecnologiaProcesSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BusinessCombinationsAxis=san_GetnetTecnologiaProcesSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_LegalCaseRelatedToTaxCompensationWithCreditsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfContingentLiabilitiesAxis=san_LegalCaseRelatedToTaxCompensationWithCreditsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_LegalCaseRelatedToInfringementNoticesInitiatedByTaxAuthoritiesRegardingOffsettingTaxLossesMember">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfContingentLiabilitiesAxis=san_LegalCaseRelatedToInfringementNoticesInitiatedByTaxAuthoritiesRegardingOffsettingTaxLossesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<td style="white-space:nowrap;">ifrs-full_ClassesOfContingentLiabilitiesAxis=san_LegalCaseRelatedToWithholdingIncomeTaxOnPaymentsDerivedFromTechnologyServicesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Provisions - Litigation and other matters - Non-tax-related proceedings Narrative (Details)<br> &#8364; in Thousands, &#163; in Millions, z&#322; in Millions</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1">5 Months Ended</th>
<th class="th" colspan="6">12 Months Ended</th>
<th class="th" colspan="1">19 Months Ended</th>
<th class="th" colspan="2"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Jan. 09, 2026</div></th>
<th class="th">
<div>Jul. 11, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Feb. 06, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Jan. 13, 2022 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 09, 2021 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Sep. 16, 2021 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th"><div>May 29, 2020</div></th>
<th class="th">
<div>May 16, 2021 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>GBP (&#163;)</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>PLN (z&#322;)</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;) </div>
<div>judgement</div>
</th>
<th class="th">
<div>Dec. 31, 1999 </div>
<div>shares</div>
</th>
<th class="th">
<div>Dec. 31, 1994 </div>
<div>child</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>GBP (&#163;)</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>PLN (z&#322;)</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>GBP (&#163;) </div>
<div>judgement</div>
</th>
<th class="th">
<div>Nov. 22, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Apr. 25, 2024 </div>
<div>judgement</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th"><div>Jan. 23, 2019</div></th>
<th class="th">
<div>Dec. 31, 2017 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 8,149,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 8,355,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 8,407,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 8,149,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 8,441,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BusinessCombinationsAxis=san_BancoPopularEspanolSAMember', window );">Banco Popular Espanol, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherEquityInstrumentsExpectedCost', window );">Expected cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 680,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherEquityInstrumentsExpectedCostAllocatedToLoyaltyPrograms', window );">Estimated cost of compensation to shareholders and bondholders applied to the commercial loyalty program</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 535,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember', window );">Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MortgageLoansDenominatedInIndexedToSwissFrancs', window );">Mortgage loans denominated in, or indexed to, CHF</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">626,000<span></span>
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<td class="nump">z&#322; 2,642.0<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember', window );">Santander Bank Polska S.A. | Agreement For The Sale Of Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SaleOfProportionOfOwnershipInterestInSubsidiary', window );">Sale of proportion of ownership interest in subsidiary</a></td>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerBankPolskaMember', window );">Santander Consumer Bank Polska</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MortgageLoansDenominatedInIndexedToSwissFrancs', window );">Mortgage loans denominated in, or indexed to, CHF</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">174,400<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">735.9<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_LegalCaseToRequestCourtJudgmentOnValidityOfSwapsMember', window );">Legal case to request court judgment on the validity of the swaps</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ArbitrationMatterAmountClaimedByEntity', window );">Arbitration matter, amount claimed by entity</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">66,000<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ArbitrationMatterAmountClaimedByCounterparty', window );">Arbitration matter, amount claimed by counterparty</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="nump">57,000<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ArbitrationMatterAmountToBeReceivedByEntity', window );">Arbitration matter, amount to be received by entity</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">&#8364; 66,000<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ArbitrationMatterAmountToBeReceivedByEntityInterest', window );">Arbitration matter, amount to be received by entity, interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">&#8364; 11,000<span></span>
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<td class="text">&#160;<span></span>
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</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</td>
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</td>
<td class="text">&#160;<span></span>
</td>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_PlanosEconomicosMember', window );">"Planos Econmicos"</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PeriodOfSuspensionOfEconomicPlanProcesses', window );">Period of suspension of economic plan process</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">5 years<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_PlanosEconomicosMember', window );">"Planos Econmicos" | Banco Santander (Brasil) S.A.</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS</a></td>
<td class="text">&#160;<span></span>
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<td class="nump">155,300<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_BancoPopularsCompensationRequestMember', window );">Banco Popular&#8217;s Compensation request</a></td>
<td class="text">&#160;<span></span>
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</td>
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</td>
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</td>
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</td>
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</td>
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</td>
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</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EstimatedFinancialEffectOfContingentLiabilities', window );">Legal proceedings provision, possible loss, contingent liabilities</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">&#8364; 2,277,650<span></span>
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<td class="text">&#160;<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_TaxDividendCumExTransactionsMember', window );">Tax Dividend, Cum-ex Transactions</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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</td>
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<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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</td>
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</td>
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</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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</td>
<td class="text">&#160;<span></span>
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</td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="nump">0<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_IndividualPlaintiffCEOFunctionsMember', window );">Individual plaintiff, CEO functions</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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</td>
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</td>
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</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
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</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">35,500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LitigationContingenciesCompensationSoughtInLitigation', window );">Compensation sought in litigation claim</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 112,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">61,900<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LossesOnLitigationSettlements', window );">Losses on litigation settlements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 51,400<span></span>
</td>
<td class="nump">&#8364; 67,800<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LitigationContingenciesDecreaseInLossesOnLitigationSettlements', window );">Decrease in losses on litigation settlements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 8,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsOnLitigationSettlements', window );">Gains on litigation settlements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 9,600<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_IndividualPlaintiffCEOFunctionsMember', window );">Individual plaintiff, CEO functions | 2018 variable remuneration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage', window );">Long-term metric achievement percentage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">33.30%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_ConversionOfActiveLoansFromSwissFrancsToPLNLoansMember', window );">Conversion of active loans from swiss francs to PLN loans | Santander Bank Polska and Santander Consumer Bank Poland</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount', window );">Mortgage loans, provision and adjustment to gross carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,391,900<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,874.3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount', window );">Mortgage loans, adjustment to gross carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">756,300<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,191.7<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInAdjustmentToGrossCarryingAmountMortgageLoans', window );">Increase in adjustment to gross carrying amount, mortgage loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">23,600<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">z&#322; 99.7<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions', window );">Increase through other costs associated</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="nump">172,400<span></span>
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<td class="nump">730.5<span></span>
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</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_ConversionOfActiveLoansFromSwissFrancsToPLNLoansMember', window );">Conversion of active loans from swiss francs to PLN loans | Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount', window );">Mortgage loans, provision and adjustment to gross carrying amount</a></td>
<td class="text">&#160;<span></span>
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<td class="nump">4,766.4<span></span>
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</td>
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</td>
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</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_ConversionOfActiveLoansFromSwissFrancsToPLNLoansMember', window );">Conversion of active loans from swiss francs to PLN loans | Santander Consumer Bank Polska</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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</td>
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</td>
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</td>
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</td>
<td class="text">&#160;<span></span>
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</td>
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</td>
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</td>
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</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount', window );">Mortgage loans, provision and adjustment to gross carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
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</td>
<td class="nump">262,500<span></span>
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<td class="text">&#160;<span></span>
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</td>
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</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,107.9<span></span>
</td>
<td class="text">&#160;<span></span>
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</td>
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</td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_InheritanceTrustMember', window );">Inheritance trust | Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico</a></td>
<td class="text">&#160;<span></span>
</td>
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</td>
<td class="text">&#160;<span></span>
</td>
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</td>
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</td>
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</td>
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</td>
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</td>
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</td>
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</td>
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</td>
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</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LegalProceedingsNumberOfSonsInvolvedInTestamentaryTrust', window );">Amount of sons involved in testamentary trust | child</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LegalProceedingsAmountOfSharesToBeTransferredByTrustee', window );">Amount of shares to be transferred by trustee (in shares) | shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">36,700,000<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_SpanishSupremeCourtMortgageExpensesMember', window );">Spanish supreme court, mortgage expenses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfPublicNotaryExpensesAndAgencyExpensesToBePaid', window );">Percentage of public notary expenses and agency expenses to be paid</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">50.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfTheRegistryExpensesToBePaid', window );">Percentage of the registry expenses to be paid</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfJudgmentsRendered', window );">Number of judgments rendered | judgement</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesMember', window );">Provision For Compensation And Associated Cost In Respect Of PPI Policies | Santander Insurance Services UK Limited</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS | &#163;</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#163; 515.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_ProvisionForCompensationAndAssociatedCostInRespectOfPPIPoliciesInterestMember', window );">Provision For Compensation And Associated Cost In Respect Of PPI Policies, Interest | Santander Insurance Services UK Limited</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS | &#163;</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">162.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember', window );">Other provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 4,073,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,993,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 5,051,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 4,073,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,634,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember', window );">Other provisions | United Kingdom</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">736,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">654,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 373,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_ActiveLoansUnderIAS37Member', window );">Active loans, under IAS 37 | Conversion of active loans from swiss francs to PLN loans | Santander Bank Polska and Santander Consumer Bank Poland</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS</a></td>
<td class="text">&#160;<span></span>
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</td>
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</td>
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</td>
<td class="text">&#160;<span></span>
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</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">635,600<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">z&#322; 2,682.6<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">293,800<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">z&#322; 1,245.3<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_LitigationCaseAxis=san_FinancialConductAuthorityFCAReviewOfTheVehicleFinanceMarketMember', window );">Financial Conduct Authority (FCA) Review of The Vehicle Finance Market | Other provisions | United Kingdom</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">528,100<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">353,300<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">&#163; 461.0<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">&#163; 293.0<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 214,000<span></span>
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<td class="nump">&#163; 183.0<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">&#8364; 353,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<div style="display: none;">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfOtherProvisionsLineItems</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EstimatedFinancialEffectOfContingentLiabilities">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of the estimated financial effect of contingent liabilities. [Refer: Classes of contingent liabilities [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 37<br> -IssueDate 2025-01-01<br> -Paragraph 86<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_86_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 259<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_259_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 259<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_259_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 98<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_98_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsOnLitigationSettlements</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseInExistingProvisionsOtherProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase in existing other provisions. [Refer: Other provisions]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 37<br> -IssueDate 2025-01-01<br> -Paragraph 84<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_84_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 257<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_257_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 257<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_257_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseInExistingProvisionsOtherProvisions</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 98<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_98_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Provisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities of uncertain timing or amount, including provisions for employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph l<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_l&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Provisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ArbitrationMatterAmountClaimedByCounterparty">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of the claim by the counterparty in the arbitration matter.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ArbitrationMatterAmountClaimedByCounterparty</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ArbitrationMatterAmountClaimedByEntity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount claimed by the entity in the arbitration matter.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ArbitrationMatterAmountClaimedByEntity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ArbitrationMatterAmountToBeReceivedByEntity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Arbitration Matter, Amount To Be Received By Entity</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ArbitrationMatterAmountToBeReceivedByEntity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ArbitrationMatterAmountToBeReceivedByEntityInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Arbitration Matter, Amount To Be Received By Entity, Interest</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ArbitrationMatterAmountToBeReceivedByEntityInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseInAdjustmentToGrossCarryingAmountMortgageLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) In Adjustment To Gross Carrying Amount, Mortgage Loans</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseInAdjustmentToGrossCarryingAmountMortgageLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) Through Other Costs Associated, Other Provisions</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LegalProceedingsAmountOfSharesToBeTransferredByTrustee">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Legal Proceedings, Amount Of Shares To Be Transferred By Trustee</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LegalProceedingsAmountOfSharesToBeTransferredByTrustee</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LegalProceedingsNumberOfSonsInvolvedInTestamentaryTrust">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Legal Proceedings, Number Of Sons Involved In Testamentary Trust</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LegalProceedingsNumberOfSonsInvolvedInTestamentaryTrust</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LitigationContingenciesCompensationSoughtInLitigation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Litigation Contingencies, Compensation Sought In Litigation</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LitigationContingenciesCompensationSoughtInLitigation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LitigationContingenciesDecreaseInLossesOnLitigationSettlements">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Litigation Contingencies, Decrease In Losses On Litigation Settlements</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LitigationContingenciesDecreaseInLossesOnLitigationSettlements</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MortgageLoansDenominatedInIndexedToSwissFrancs">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Mortgage Loans, Denominated In/Indexed To Swiss Francs</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MortgageLoansDenominatedInIndexedToSwissFrancs</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Mortgage Loans, Denominated In/Indexed To Swiss Francs, Adjustment To Gross Carrying Amount</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Mortgage Loans, Denominated In/Indexed To Swiss Francs, Provisions And Adjustment To Gross Carrying Amount</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfJudgmentsRendered">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number Of Judgments Rendered</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfJudgmentsRendered</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherEquityInstrumentsExpectedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The estimated cost of component of equity representing components of convertible instruments classified as equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherEquityInstrumentsExpectedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherEquityInstrumentsExpectedCostAllocatedToLoyaltyPrograms">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Equity Instruments, Expected Cost, Allocated To Loyalty Programs</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherEquityInstrumentsExpectedCostAllocatedToLoyaltyPrograms</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageOfPublicNotaryExpensesAndAgencyExpensesToBePaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage Of Public Notary Expenses And Agency Expenses To Be Paid</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfPublicNotaryExpensesAndAgencyExpensesToBePaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageOfTheRegistryExpensesToBePaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage Of The Registry Expenses To Be Paid</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfTheRegistryExpensesToBePaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PeriodOfSuspensionOfEconomicPlanProcesses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The period of time for which all economic plan processes, such as those that gave rise to Planos Economicos civil suits, are ordered suspended.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PeriodOfSuspensionOfEconomicPlanProcesses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SaleOfProportionOfOwnershipInterestInSubsidiary">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sale Of Proportion Of Ownership Interest In Subsidiary</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SaleOfProportionOfOwnershipInterestInSubsidiary</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, Long-Term Metric Achievement, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BusinessCombinationsAxis=san_BancoPopularEspanolSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BusinessCombinationsAxis=san_BancoPopularEspanolSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TypeOfAgreementAxis=san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TypeOfAgreementAxis=san_AgreementForTheSaleOfSantanderBankPolskaS.A.Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerBankPolskaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerBankPolskaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_LegalCaseToRequestCourtJudgmentOnValidityOfSwapsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfContingentLiabilitiesAxis=san_LegalCaseToRequestCourtJudgmentOnValidityOfSwapsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_PlanosEconomicosMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfContingentLiabilitiesAxis=san_PlanosEconomicosMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_BancoPopularsCompensationRequestMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfContingentLiabilitiesAxis=san_BancoPopularsCompensationRequestMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_TaxDividendCumExTransactionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfContingentLiabilitiesAxis=san_TaxDividendCumExTransactionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_IndividualPlaintiffCEOFunctionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfContingentLiabilitiesAxis=san_IndividualPlaintiffCEOFunctionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2018Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_ShareBasedVariableRemunerationAward2018Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_ConversionOfActiveLoansFromSwissFrancsToPLNLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfContingentLiabilitiesAxis=san_ConversionOfActiveLoansFromSwissFrancsToPLNLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaAndSantanderConsumerBankPolandMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaAndSantanderConsumerBankPolandMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfContingentLiabilitiesAxis=san_InheritanceTrustMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Provisions - Schedule of actuarial assumptions used to calculate defined benefit obligations (Details) - Spain<br></strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfDiscountRates', window );">Annual discount rate</a></td>
<td class="nump">3.75%<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Post-employment&#160;plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfDiscountRates', window );">Annual discount rate</a></td>
<td class="nump">3.75%<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
<td class="nump">3.35%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation', window );">Cumulative annual CPI growth</a></td>
<td class="nump">2.00%<span></span>
</td>
<td class="nump">2.00%<span></span>
</td>
<td class="nump">2.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases', window );">Annual salary increase rate</a></td>
<td class="nump">1.25%<span></span>
</td>
<td class="nump">1.25%<span></span>
</td>
<td class="nump">1.25%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreases', window );">Annual social security pension increase rate</a></td>
<td class="nump">2.12%<span></span>
</td>
<td class="nump">2.12%<span></span>
</td>
<td class="nump">2.12%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Other long term employee benefits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfDiscountRates', window );">Annual discount rate</a></td>
<td class="nump">3.75%<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
<td class="nump">3.35%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation', window );">Cumulative annual CPI growth</a></td>
<td class="nump">2.00%<span></span>
</td>
<td class="nump">2.00%<span></span>
</td>
<td class="nump">2.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ActuarialAssumptionOfExpectedAnnualRateOfBenefitIncreases', window );">Annual benefit increase rate</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.00%<span></span>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ActuarialAssumptionOfDiscountRates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The discount rate used as the significant actuarial assumption to determine the present value of a defined benefit obligation. [Refer: Defined benefit obligation, at present value; Actuarial assumptions [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 144<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_144&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialAssumptionOfDiscountRates</td>
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<td><strong> Data Type:</strong></td>
<td>dtr-2022:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The expected rate of inflation that is used as a significant actuarial assumption to determine the present value of a defined benefit obligation. [Refer: Defined benefit plans [domain]; Defined benefit obligation, at present value; Actuarial assumptions [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 144<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_144&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:percentItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreases">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The expected rate of increases in pension that is used as a significant actuarial assumption to determine the present value of a defined benefit obligation. [Refer: Defined benefit plans [domain]; Defined benefit obligation, at present value; Actuarial assumptions [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 144<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_144&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreases</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The expected rate of salary increases used as a significant actuarial assumption to determine the present value of a defined benefit obligation. [Refer: Defined benefit plans [domain]; Defined benefit obligation, at present value; Actuarial assumptions [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 144<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_144&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Actuarial Assumption Of Expected Annual Rate Of Benefit Increases</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ActuarialAssumptionOfExpectedAnnualRateOfBenefitIncreases</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_OtherLongTermEmployeeBenefitsProvisionMember</td>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Provisions - Disclosure of expected rate of return assumptions (Details) - Spain<br></strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Post-employment&#160;plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedRateOfReturnOnPlanAssets', window );">Expected rate of return on plan assets</a></td>
<td class="nump">3.75%<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
<td class="nump">3.35%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights', window );">Expected rate of return on reimbursement rights</a></td>
<td class="nump">3.75%<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
<td class="nump">3.35%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Other long term employee benefits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedRateOfReturnOnPlanAssets', window );">Expected rate of return on plan assets</a></td>
<td class="nump">3.75%<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
<td class="nump">3.35%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Expected rate of return on plan assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ExpectedRateOfReturnOnPlanAssets</td>
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<td>san_</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Expected rate of return on reimbursement rights for insurance contract linked to defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
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<td><strong> Period Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DefinedBenefitPlansAxis=san_PensionsAndOtherEmploymentDefinedBenefitObligationsProvisionMember</td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DefinedBenefitPlansAxis=san_OtherLongTermEmployeeBenefitsProvisionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Provisions - Schedule of funding status of the defined benefit obligations (Details) - Spain - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Post-employment&#160;plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitObligationToCurrentEmployeesAtPresentValue', window );">To current employees</a></td>
<td class="nump">&#8364; 34<span></span>
</td>
<td class="nump">&#8364; 49<span></span>
</td>
<td class="nump">&#8364; 51<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue', window );">Vested obligations to retired employees</a></td>
<td class="nump">1,610<span></span>
</td>
<td class="nump">1,850<span></span>
</td>
<td class="nump">1,936<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitObligationToPreRetireesAtPresentValue', window );">To pre-retirees employees</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue', window );">Long-service bonuses and other benefits</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DefinedBenefitObligationAtPresentValue', window );">Present value of the obligations</a></td>
<td class="nump">1,644<span></span>
</td>
<td class="nump">1,899<span></span>
</td>
<td class="nump">1,987<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PlanAssetsAtFairValue', window );">Less - Fair value of plan assets</a></td>
<td class="nump">1,058<span></span>
</td>
<td class="nump">1,234<span></span>
</td>
<td class="nump">1,235<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SurplusDeficitInPlan', window );">Provisions - Provisions for pensions</a></td>
<td class="nump">586<span></span>
</td>
<td class="nump">665<span></span>
</td>
<td class="nump">752<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InternalProvisionsForPensions', window );">Internal provisions for pensions</a></td>
<td class="nump">535<span></span>
</td>
<td class="nump">593<span></span>
</td>
<td class="nump">677<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetPensionAssets', window );">Net pension assets</a></td>
<td class="num">(13)<span></span>
</td>
<td class="num">(6)<span></span>
</td>
<td class="num">(14)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensions', window );">Insurance contracts linked to pensions (note 14)</a></td>
<td class="nump">67<span></span>
</td>
<td class="nump">81<span></span>
</td>
<td class="nump">93<span></span>
</td>
<td class="nump">&#8364; 104<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UnrecognizedNetAssetsForPensions', window );">Unrecognised net assets for pensions</a></td>
<td class="num">(3)<span></span>
</td>
<td class="num">(3)<span></span>
</td>
<td class="num">(4)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Other&#160;similar&#160;obligations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitObligationToCurrentEmployeesAtPresentValue', window );">To current employees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue', window );">Vested obligations to retired employees</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitObligationToPreRetireesAtPresentValue', window );">To pre-retirees employees</a></td>
<td class="nump">919<span></span>
</td>
<td class="nump">844<span></span>
</td>
<td class="nump">812<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue', window );">Long-service bonuses and other benefits</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">13<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DefinedBenefitObligationAtPresentValue', window );">Present value of the obligations</a></td>
<td class="nump">930<span></span>
</td>
<td class="nump">857<span></span>
</td>
<td class="nump">824<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PlanAssetsAtFairValue', window );">Less - Fair value of plan assets</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SurplusDeficitInPlan', window );">Provisions - Provisions for pensions</a></td>
<td class="nump">927<span></span>
</td>
<td class="nump">852<span></span>
</td>
<td class="nump">817<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InternalProvisionsForPensions', window );">Internal provisions for pensions</a></td>
<td class="nump">927<span></span>
</td>
<td class="nump">852<span></span>
</td>
<td class="nump">817<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetPensionAssets', window );">Net pension assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensions', window );">Insurance contracts linked to pensions (note 14)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UnrecognizedNetAssetsForPensions', window );">Unrecognised net assets for pensions</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DefinedBenefitObligationAtPresentValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The present value, without deducting any plan assets, of expected future payments required to settle the obligation resulting from employee service in the current and prior periods. [Refer: Plan assets, at fair value]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 57<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_57_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DefinedBenefitObligationAtPresentValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PlanAssetsAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The fair value of defined benefit plan assets. Plan assets comprise assets held by a long-term employee benefit fund and qualifying insurance policies. [Refer: At fair value [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 57<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_57_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PlanAssetsAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SurplusDeficitInPlan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The fair value of any plan assets, less the present value of the defined benefit obligation. [Refer: Plan assets [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 57<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_57_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SurplusDeficitInPlan</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The present value, without deducting any plan assets, of expected future payments required to settle the obligation of long-service bonuses and other benefits resulting from employee service in the current and prior periods.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DefinedBenefitObligationToCurrentEmployeesAtPresentValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The present value, without deducting any plan assets, of expected future payments required to settle the obligation to current employees resulting from employee service in the current and prior periods.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DefinedBenefitObligationToCurrentEmployeesAtPresentValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DefinedBenefitObligationToPreRetireesAtPresentValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The present value, without deducting any plan assets, of expected future payments required to settle the obligation to pre-retirees resulting from employee service in the current and prior periods.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DefinedBenefitObligationToPreRetireesAtPresentValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The present value, without deducting any plan assets, of expected future payments required to settle the vested obligations to retired employees resulting from employee service in the current and prior periods.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InsuranceContractsLinkedToPensions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Insurance contracts linked to pensions</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InsuranceContractsLinkedToPensions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InternalProvisionsForPensions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Internal provisions for pensions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InternalProvisionsForPensions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NetPensionAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net Pension Assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NetPensionAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_UnrecognizedNetAssetsForPensions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Unrecognized net assets for pensions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_UnrecognizedNetAssetsForPensions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DefinedBenefitPlansAxis=san_PostEmploymentPlansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DefinedBenefitPlansAxis=san_OtherSimilarBenefitsPlansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DefinedBenefitPlansAxis=san_OtherSimilarBenefitsPlansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Provisions - Schedule of defined benefit obligation expenses recognized in the consolidated income statements (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans', window );">Post-employment benefit expense in profit or loss, defined benefit plans</a></td>
<td class="nump">&#8364; 41<span></span>
</td>
<td class="nump">&#8364; 45<span></span>
</td>
<td class="nump">&#8364; 42<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DefinedBenefitPlansAxis=san_PostEmploymentPlansMember', window );">Post-employment&#160;plans | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitPlansServiceCost', window );">Current service cost</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitPlansInterestExpenseNet', window );">Interest cost (net)</a></td>
<td class="nump">27<span></span>
</td>
<td class="nump">28<span></span>
</td>
<td class="nump">42<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedReturnOnInsuranceContractsLinkedToPensions', window );">Expected return on insurance contracts linked to pensions</a></td>
<td class="num">(3)<span></span>
</td>
<td class="num">(3)<span></span>
</td>
<td class="num">(4)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ActuarialGainsLossesRecognizedRelatedToDefinedBenefit', window );">Actuarial (gains)/losses recognised in the&#160;year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits', window );">Past service cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits', window );">Pre-retirement cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits', window );">Other</a></td>
<td class="num">(16)<span></span>
</td>
<td class="num">(10)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans', window );">Post-employment benefit expense in profit or loss, defined benefit plans</a></td>
<td class="nump">13<span></span>
</td>
<td class="nump">21<span></span>
</td>
<td class="nump">41<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DefinedBenefitPlansAxis=san_OtherSimilarBenefitsPlansMember', window );">Other&#160;similar&#160;obligations | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitPlansServiceCost', window );">Current service cost</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitPlansInterestExpenseNet', window );">Interest cost (net)</a></td>
<td class="nump">27<span></span>
</td>
<td class="nump">25<span></span>
</td>
<td class="nump">30<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedReturnOnInsuranceContractsLinkedToPensions', window );">Expected return on insurance contracts linked to pensions</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ActuarialGainsLossesRecognizedRelatedToDefinedBenefit', window );">Actuarial (gains)/losses recognised in the&#160;year</a></td>
<td class="num">(19)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits', window );">Past service cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">13<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits', window );">Pre-retirement cost</a></td>
<td class="nump">389<span></span>
</td>
<td class="nump">303<span></span>
</td>
<td class="nump">160<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits', window );">Other</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(4)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans', window );">Post-employment benefit expense in profit or loss, defined benefit plans</a></td>
<td class="nump">&#8364; 398<span></span>
</td>
<td class="nump">&#8364; 325<span></span>
</td>
<td class="nump">&#8364; 210<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 5<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_5&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 135<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_135_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ActuarialGainsLossesRecognizedRelatedToDefinedBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Actuarial (gains)/losses recognized in the year related to defined benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ActuarialGainsLossesRecognizedRelatedToDefinedBenefit</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DefinedBenefitPlansInterestExpenseNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest expense net recognized related to defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DefinedBenefitPlansInterestExpenseNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DefinedBenefitPlansServiceCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of service cost expense recognized related to defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DefinedBenefitPlansServiceCost</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ExpectedReturnOnInsuranceContractsLinkedToPensions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Expected return on insurance contracts linked to pensions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ExpectedReturnOnInsuranceContractsLinkedToPensions</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other costs or gains charged to income statement related to defined benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Past service cost charged to income statement related to defined benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Pre-retirement cost charged to income statement related to defined benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DefinedBenefitPlansAxis=san_PostEmploymentPlansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DefinedBenefitPlansAxis=san_PostEmploymentPlansMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DefinedBenefitPlansAxis=san_OtherSimilarBenefitsPlansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DefinedBenefitPlansAxis=san_OtherSimilarBenefitsPlansMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Provisions - Schedule of status and changes of the defined benefit obligations (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset', window );">Benefits paid due to settlements</a></td>
<td class="num">&#8364; (133)<span></span>
</td>
<td class="num">&#8364; (20)<span></span>
</td>
<td class="num">&#8364; (2)<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset', window );">Financial actuarial (gains)/losses</a></td>
<td class="num">(33)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Present value of defined benefit obligation | Post-employment&#160;plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans', window );">Net defined benefit liability (asset) at beginning of period</a></td>
<td class="nump">1,899<span></span>
</td>
<td class="nump">1,987<span></span>
</td>
<td class="nump">2,076<span></span>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetInclusionOfEntitiesInGroupDefinedBenefits', window );">Incorporation of Group companies, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset', window );">Current service cost</a></td>
<td class="nump">5<span></span>
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<td class="nump">3<span></span>
</td>
<td class="nump">2<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset', window );">Interest cost</a></td>
<td class="nump">67<span></span>
</td>
<td class="nump">71<span></span>
</td>
<td class="nump">82<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreRetirementCostDefinedBenefitLiabilityAsset', window );">Pre-retirement cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset', window );">Effect of curtailment/settlement</a></td>
<td class="num">(9)<span></span>
</td>
<td class="num">(10)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset', window );">Benefits paid</a></td>
<td class="num">(179)<span></span>
</td>
<td class="num">(203)<span></span>
</td>
<td class="num">(210)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset', window );">Benefits paid due to settlements</a></td>
<td class="num">(31)<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset', window );">Past service cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset', window );">Actuarial (gains)/losses</a></td>
<td class="num">(102)<span></span>
</td>
<td class="nump">45<span></span>
</td>
<td class="nump">37<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset', window );">Demographic actuarial (gains)/losses</a></td>
<td class="num">(14)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(2)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset', window );">Financial actuarial (gains)/losses</a></td>
<td class="num">(88)<span></span>
</td>
<td class="nump">45<span></span>
</td>
<td class="nump">39<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset', window );">Exchange differences and other items</a></td>
<td class="num">(6)<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans', window );">Net defined benefit liability (asset) at end of period</a></td>
<td class="nump">1,644<span></span>
</td>
<td class="nump">1,899<span></span>
</td>
<td class="nump">1,987<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Present value of defined benefit obligation | Other&#160;similar&#160;obligations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans', window );">Net defined benefit liability (asset) at beginning of period</a></td>
<td class="nump">857<span></span>
</td>
<td class="nump">824<span></span>
</td>
<td class="nump">903<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetInclusionOfEntitiesInGroupDefinedBenefits', window );">Incorporation of Group companies, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset', window );">Current service cost</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset', window );">Interest cost</a></td>
<td class="nump">27<span></span>
</td>
<td class="nump">25<span></span>
</td>
<td class="nump">30<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreRetirementCostDefinedBenefitLiabilityAsset', window );">Pre-retirement cost</a></td>
<td class="nump">389<span></span>
</td>
<td class="nump">303<span></span>
</td>
<td class="nump">160<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset', window );">Effect of curtailment/settlement</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(4)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset', window );">Benefits paid</a></td>
<td class="num">(325)<span></span>
</td>
<td class="num">(292)<span></span>
</td>
<td class="num">(290)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset', window );">Benefits paid due to settlements</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset', window );">Past service cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">13<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset', window );">Actuarial (gains)/losses</a></td>
<td class="num">(19)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset', window );">Demographic actuarial (gains)/losses</a></td>
<td class="num">(8)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset', window );">Financial actuarial (gains)/losses</a></td>
<td class="num">(11)<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset', window );">Exchange differences and other items</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans', window );">Net defined benefit liability (asset) at end of period</a></td>
<td class="nump">&#8364; 930<span></span>
</td>
<td class="nump">&#8364; 857<span></span>
</td>
<td class="nump">&#8364; 824<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in a net defined benefit liability (asset) resulting from actuarial gains (losses) arising from changes in demographic assumptions that result in remeasurements of the net defined benefit liability (asset). Demographic assumptions deal with matters such as: (a) mortality; (b) rates of employee turnover, disability and early retirement; (c) the proportion of plan members with dependants who will be eligible for benefits; (d) the proportion of plan members who will select each form of payment option available under the plan terms; and (e) claim rates under medical plans. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in a net defined benefit liability (asset) resulting from actuarial gains (losses) arising from changes in financial assumptions that result in remeasurements of the net defined benefit liability (asset). Financial assumptions deal with items such as: (a) the discount rate; (b) benefit levels, excluding any cost of the benefits to be met by employees, and future salary; (c) in the case of medical benefits, future medical costs, including claim handling costs (ie the costs that will be incurred in processing and resolving claims, including legal and adjuster's fees); and (d) taxes payable by the plan on contributions relating to service before the reporting date or on benefits resulting from that service. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph c<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_c_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the net defined benefit liability (asset) resulting from employee service in the current period. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the net defined benefit liability (asset) resulting from changes in foreign exchange rates. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of deficit or surplus in a defined benefit plan, adjusted for any effect of limiting a net defined benefit asset to the asset ceiling. [Refer: Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 140<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_140_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 206<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_206_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 206<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_206_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilityAssetOfDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the net defined benefit liability (asset) resulting from past service cost. Past service cost is the change in the present value of the defined benefit obligation for employee service in prior periods, resulting from a plan amendment (the introduction or withdrawal of, or changes to, a defined benefit plan) or a curtailment (a significant reduction by the entity in the number of employees covered by a plan). [Refer: Net defined benefit liability (asset); Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in the net defined benefit liability (asset) resulting from payments from the plan. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in the net defined benefit liability (asset) resulting from payments from the plan in respect of settlements. [Refer: Decrease (increase) in net defined benefit liability (asset) resulting from gains (losses) arising from settlements; Net defined benefit liability (asset); Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in a net defined benefit liability (asset) resulting from actuarial gains (losses) that result in remeasurements of the net defined benefit liability (asset).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ActuarialGainsLossesDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Effect of curtailment/settlement on defined benefit liability asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NetInclusionOfEntitiesInGroupDefinedBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net inclusion of entities in the Group for defined benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NetInclusionOfEntitiesInGroupDefinedBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PreRetirementCostDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the net defined benefit liability (asset) resulting from pre-retirement cost.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PreRetirementCostDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NetDefinedBenefitLiabilityAssetAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember</td>
</tr>
<tr>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DefinedBenefitPlansAxis=san_PostEmploymentPlansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DefinedBenefitPlansAxis=san_PostEmploymentPlansMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DefinedBenefitPlansAxis=san_OtherSimilarBenefitsPlansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DefinedBenefitPlansAxis=san_OtherSimilarBenefitsPlansMember</td>
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<td></td>
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<td>na</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Provisions - Schedule of changes in fair value of plan assets (Details) - Spain - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Post-employment&#160;plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensionsAbstract', window );"><strong>Insurance contracts linked to pensions</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensions', window );">Fair value of insurance contracts linked to pensions at beginning of year</a></td>
<td class="nump">&#8364; 81<span></span>
</td>
<td class="nump">&#8364; 93<span></span>
</td>
<td class="nump">&#8364; 104<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet', window );">Incorporation of Group companies, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedReturnOnInsuranceContractsLinkedToPensions', window );">Expected return on insurance contracts linked to pensions</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensionsBenefitsPaid', window );">Benefits paid</a></td>
<td class="num">(12)<span></span>
</td>
<td class="num">(13)<span></span>
</td>
<td class="num">(15)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid', window );">Paid premiums</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensionsActuarialGainsLosses', window );">Actuarial gains/(losses)</a></td>
<td class="num">(5)<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensions', window );">Fair value of insurance contracts linked to pensions at end of&#160;year</a></td>
<td class="nump">67<span></span>
</td>
<td class="nump">81<span></span>
</td>
<td class="nump">93<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Other&#160;similar&#160;obligations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensionsAbstract', window );"><strong>Insurance contracts linked to pensions</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensions', window );">Fair value of insurance contracts linked to pensions at beginning of year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet', window );">Incorporation of Group companies, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedReturnOnInsuranceContractsLinkedToPensions', window );">Expected return on insurance contracts linked to pensions</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensionsBenefitsPaid', window );">Benefits paid</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid', window );">Paid premiums</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensionsActuarialGainsLosses', window );">Actuarial gains/(losses)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensions', window );">Fair value of insurance contracts linked to pensions at end of&#160;year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Plan assets | Post-employment&#160;plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans', window );">Fair value of plan assets at beginning of year</a></td>
<td class="nump">1,234<span></span>
</td>
<td class="nump">1,235<span></span>
</td>
<td class="nump">861<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetInclusionOfEntitiesInGroupDefinedBenefits', window );">Incorporation of Group companies, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest', window );">Expected return on plan assets</a></td>
<td class="nump">40<span></span>
</td>
<td class="nump">43<span></span>
</td>
<td class="nump">40<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset', window );">Gains/(losses) on settlements</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset', window );">Benefits paid</a></td>
<td class="num">(144)<span></span>
</td>
<td class="num">(124)<span></span>
</td>
<td class="num">(89)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset', window );">Contributions/(surrenders)</a></td>
<td class="num">(7)<span></span>
</td>
<td class="nump">58<span></span>
</td>
<td class="nump">409<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset', window );">Actuarial gains/(losses)</a></td>
<td class="num">(64)<span></span>
</td>
<td class="nump">27<span></span>
</td>
<td class="nump">25<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset', window );">Exchange differences and other items</a></td>
<td class="num">(8)<span></span>
</td>
<td class="num">(5)<span></span>
</td>
<td class="num">(11)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans', window );">Fair value of plan assets at end of year</a></td>
<td class="nump">1,058<span></span>
</td>
<td class="nump">1,234<span></span>
</td>
<td class="nump">1,235<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Plan assets | Other&#160;similar&#160;obligations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans', window );">Fair value of plan assets at beginning of year</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td class="nump">8<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetInclusionOfEntitiesInGroupDefinedBenefits', window );">Incorporation of Group companies, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest', window );">Expected return on plan assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset', window );">Gains/(losses) on settlements</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset', window );">Benefits paid</a></td>
<td class="num">(2)<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="num">(2)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset', window );">Contributions/(surrenders)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset', window );">Actuarial gains/(losses)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset', window );">Exchange differences and other items</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans', window );">Fair value of plan assets at end of year</a></td>
<td class="nump">&#8364; 3<span></span>
</td>
<td class="nump">&#8364; 5<span></span>
</td>
<td class="nump">&#8364; 7<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in the net defined benefit liability (asset) resulting from contributions to a defined benefit plan. [Refer: Net defined benefit liability (asset); Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the net defined benefit liability (asset) resulting from changes in foreign exchange rates. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of deficit or surplus in a defined benefit plan, adjusted for any effect of limiting a net defined benefit asset to the asset ceiling. [Refer: Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 140<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_140_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 206<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_206_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 206<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_206_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilityAssetOfDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in the net defined benefit liability (asset) resulting from payments from the plan. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in a net defined benefit liability (asset) resulting from actuarial gains (losses) that result in remeasurements of the net defined benefit liability (asset).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ActuarialGainsLossesDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ExpectedReturnOnInsuranceContractsLinkedToPensions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Expected return on insurance contracts linked to pensions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ExpectedReturnOnInsuranceContractsLinkedToPensions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains (Losses) On Liquidation, Net Defined Benefit Liability (Asset)</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InsuranceContractsLinkedToPensions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Insurance contracts linked to pensions</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InsuranceContractsLinkedToPensions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InsuranceContractsLinkedToPensionsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>N/A</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InsuranceContractsLinkedToPensionsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InsuranceContractsLinkedToPensionsActuarialGainsLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Actuarial gains losses from insurance contracts linked to pensions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InsuranceContractsLinkedToPensionsActuarialGainsLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase in insurance contracts linked to pensions from incorporation of entities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InsuranceContractsLinkedToPensionsBenefitsPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Benefits paid from insurance contracts linked to pensions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InsuranceContractsLinkedToPensionsBenefitsPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Insurance contracts linked to pensions, increase in plan assets due to premiums paid.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NetInclusionOfEntitiesInGroupDefinedBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net inclusion of entities in the Group for defined benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NetInclusionOfEntitiesInGroupDefinedBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Return On Plan Assets Net Defined Benefit Liability Asset Including Interest</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DefinedBenefitPlansAxis=san_PostEmploymentPlansMember</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DefinedBenefitPlansAxis=san_OtherSimilarBenefitsPlansMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Provisions - Schedule of insurance contracts linked to pensions (Details) - Spain - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DefinedBenefitPlansAxis=san_PostEmploymentPlansMember', window );">Post-employment&#160;plans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensions', window );">Fair value of insurance contracts linked to pensions at beginning of year</a></td>
<td class="nump">&#8364; 81<span></span>
</td>
<td class="nump">&#8364; 93<span></span>
</td>
<td class="nump">&#8364; 104<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet', window );">Incorporation of Group companies, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedReturnOnInsuranceContractsLinkedToPensions', window );">Expected return on insurance contracts linked to pensions</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="nump">4<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensionsBenefitsPaid', window );">Benefits paid</a></td>
<td class="num">(12)<span></span>
</td>
<td class="num">(13)<span></span>
</td>
<td class="num">(15)<span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid', window );">Paid premiums</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensionsActuarialGainsLosses', window );">Actuarial gains/(losses)</a></td>
<td class="num">(5)<span></span>
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<td class="num">(2)<span></span>
</td>
<td class="nump">0<span></span>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensions', window );">Fair value of insurance contracts linked to pensions at end of&#160;year</a></td>
<td class="nump">67<span></span>
</td>
<td class="nump">81<span></span>
</td>
<td class="nump">93<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DefinedBenefitPlansAxis=san_OtherSimilarBenefitsPlansMember', window );">Other&#160;similar&#160;obligations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensions', window );">Fair value of insurance contracts linked to pensions at beginning of year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet', window );">Incorporation of Group companies, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedReturnOnInsuranceContractsLinkedToPensions', window );">Expected return on insurance contracts linked to pensions</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensionsBenefitsPaid', window );">Benefits paid</a></td>
<td class="nump">0<span></span>
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<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid', window );">Paid premiums</a></td>
<td class="nump">0<span></span>
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<td class="nump">0<span></span>
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<td class="nump">0<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensionsActuarialGainsLosses', window );">Actuarial gains/(losses)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InsuranceContractsLinkedToPensions', window );">Fair value of insurance contracts linked to pensions at end of&#160;year</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Expected return on insurance contracts linked to pensions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ExpectedReturnOnInsuranceContractsLinkedToPensions</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Insurance contracts linked to pensions</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InsuranceContractsLinkedToPensions</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Actuarial gains losses from insurance contracts linked to pensions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InsuranceContractsLinkedToPensionsActuarialGainsLosses</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase in insurance contracts linked to pensions from incorporation of entities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InsuranceContractsLinkedToPensionsBenefitsPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Benefits paid from insurance contracts linked to pensions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InsuranceContractsLinkedToPensionsBenefitsPaid</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Insurance contracts linked to pensions, increase in plan assets due to premiums paid.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DefinedBenefitPlansAxis=san_PostEmploymentPlansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DefinedBenefitPlansAxis=san_PostEmploymentPlansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DefinedBenefitPlansAxis=san_OtherSimilarBenefitsPlansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DefinedBenefitPlansAxis=san_OtherSimilarBenefitsPlansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</div>
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</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>317
<FILENAME>R235.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Provisions - Schedule of maturity of estimated benefits payments (Details) - Spain<br> &#8364; in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">2026</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans', window );">Estimated future benefit payable</a></td>
<td class="nump">&#8364; 461<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">2027</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans', window );">Estimated future benefit payable</a></td>
<td class="nump">391<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">2028</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans', window );">Estimated future benefit payable</a></td>
<td class="nump">331<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">2029</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans', window );">Estimated future benefit payable</a></td>
<td class="nump">274<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">2030</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans', window );">Estimated future benefit payable</a></td>
<td class="nump">223<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">2031 to 2035</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans', window );">Estimated future benefit payable</a></td>
<td class="nump">&#8364; 672<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The estimated amount, at the balance sheet date, of the future benefits payable during the specified period from defined benefit plans.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanOneYearMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_NotLaterThanOneYearMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>318
<FILENAME>R236.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Provisions - Schedule of actuarial assumptions used to calculate defined benefit obligations, United Kingdom (Details) - United Kingdom<br></strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfDiscountRates', window );">Annual discount rate</a></td>
<td class="nump">5.58%<span></span>
</td>
<td class="nump">5.54%<span></span>
</td>
<td class="nump">4.63%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation', window );">Cumulative annual CPI growth</a></td>
<td class="nump">2.90%<span></span>
</td>
<td class="nump">3.11%<span></span>
</td>
<td class="nump">3.02%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases', window );">Annual salary increase rate</a></td>
<td class="nump">1.00%<span></span>
</td>
<td class="nump">1.00%<span></span>
</td>
<td class="nump">1.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreases', window );">Annual social security pension increase rate</a></td>
<td class="nump">2.78%<span></span>
</td>
<td class="nump">3.04%<span></span>
</td>
<td class="nump">2.96%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ActuarialAssumptionOfDiscountRates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The discount rate used as the significant actuarial assumption to determine the present value of a defined benefit obligation. [Refer: Defined benefit obligation, at present value; Actuarial assumptions [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 144<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_144&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialAssumptionOfDiscountRates</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The expected rate of inflation that is used as a significant actuarial assumption to determine the present value of a defined benefit obligation. [Refer: Defined benefit plans [domain]; Defined benefit obligation, at present value; Actuarial assumptions [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 144<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_144&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflation</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>dtr-2022:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The expected rate of increases in pension that is used as a significant actuarial assumption to determine the present value of a defined benefit obligation. [Refer: Defined benefit plans [domain]; Defined benefit obligation, at present value; Actuarial assumptions [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 144<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_144&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreases</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The expected rate of salary increases used as a significant actuarial assumption to determine the present value of a defined benefit obligation. [Refer: Defined benefit plans [domain]; Defined benefit obligation, at present value; Actuarial assumptions [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 144<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_144&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialAssumptionOfExpectedRatesOfSalaryIncreases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfOtherProvisionsLineItems</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Provisions - Schedule of funding status of the defined benefit obligations, United Kingdom (Details) - United Kingdom - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DefinedBenefitObligationAtPresentValue', window );">Present value of the obligations</a></td>
<td class="nump">&#8364; 8,164<span></span>
</td>
<td class="nump">&#8364; 8,898<span></span>
</td>
<td class="nump">&#8364; 9,451<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PlanAssetsAtFairValue', window );">Fair value of plan assets</a></td>
<td class="nump">8,740<span></span>
</td>
<td class="nump">9,400<span></span>
</td>
<td class="nump">10,208<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SurplusDeficitInPlan', window );">Provisions - Provisions for pensions</a></td>
<td class="num">(576)<span></span>
</td>
<td class="num">(502)<span></span>
</td>
<td class="num">(757)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InternalProvisionsForPensions', window );">Internal provisions for pensions</a></td>
<td class="nump">25<span></span>
</td>
<td class="nump">28<span></span>
</td>
<td class="nump">76<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetAssetsForPensions', window );">Net assets for pensions</a></td>
<td class="num">&#8364; (601)<span></span>
</td>
<td class="num">&#8364; (530)<span></span>
</td>
<td class="num">&#8364; (833)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DefinedBenefitObligationAtPresentValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The present value, without deducting any plan assets, of expected future payments required to settle the obligation resulting from employee service in the current and prior periods. [Refer: Plan assets, at fair value]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 57<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_57_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DefinedBenefitObligationAtPresentValue</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The fair value of defined benefit plan assets. Plan assets comprise assets held by a long-term employee benefit fund and qualifying insurance policies. [Refer: At fair value [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 57<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_57_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PlanAssetsAtFairValue</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SurplusDeficitInPlan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The fair value of any plan assets, less the present value of the defined benefit obligation. [Refer: Plan assets [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 57<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_57_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SurplusDeficitInPlan</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InternalProvisionsForPensions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Internal provisions for pensions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InternalProvisionsForPensions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NetAssetsForPensions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net assets for pensions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NetAssetsForPensions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_GB">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_GB</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<DOCUMENT>
<TYPE>XML
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Provisions - Schedule of defined benefit obligation expenses recognized in the consolidated income statements, United Kingdom (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans', window );">Post-employment benefit expense in profit or loss, defined benefit plans</a></td>
<td class="nump">&#8364; 41<span></span>
</td>
<td class="nump">&#8364; 45<span></span>
</td>
<td class="nump">&#8364; 42<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">United Kingdom</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitPlansServiceCost', window );">Current service cost</a></td>
<td class="nump">9<span></span>
</td>
<td class="nump">13<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitPlansInterestExpenseNet', window );">Interest cost (net)</a></td>
<td class="num">(31)<span></span>
</td>
<td class="num">(40)<span></span>
</td>
<td class="num">(62)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitPlansProvisionsReversalNet', window );">Provisions or reversal of provisions, net</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitPlansCostOfServicesProvided', window );">Cost of services provided</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitPlansOthers', window );">Others</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans', window );">Post-employment benefit expense in profit or loss, defined benefit plans</a></td>
<td class="num">&#8364; (22)<span></span>
</td>
<td class="num">&#8364; (27)<span></span>
</td>
<td class="num">&#8364; (48)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 5<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_5&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 135<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_135_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DefinedBenefitPlansCostOfServicesProvided">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Defined Benefit Plans, Cost Of Services Provided</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DefinedBenefitPlansCostOfServicesProvided</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DefinedBenefitPlansInterestExpenseNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest expense net recognized related to defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DefinedBenefitPlansInterestExpenseNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DefinedBenefitPlansOthers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Defined Benefit Plans, Others</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DefinedBenefitPlansOthers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DefinedBenefitPlansProvisionsReversalNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Defined Benefit Plans, Provisions (Reversal), Net</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DefinedBenefitPlansProvisionsReversalNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DefinedBenefitPlansServiceCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of service cost expense recognized related to defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DefinedBenefitPlansServiceCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_GB">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_GB</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>321
<FILENAME>R239.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Provisions - Schedule of status and changes of the defined benefit obligations, United Kingdom (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset', window );">Benefits paid by settlements</a></td>
<td class="nump">&#8364; 133<span></span>
</td>
<td class="nump">&#8364; 20<span></span>
</td>
<td class="nump">&#8364; 2<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">United Kingdom</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset', window );">Financial actuarial (gains)/losses</a></td>
<td class="nump">117<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">United Kingdom | Present value of defined benefit obligation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans', window );">Net defined benefit liability (asset) at beginning of period</a></td>
<td class="nump">8,898<span></span>
</td>
<td class="nump">9,451<span></span>
</td>
<td class="nump">8,982<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset', window );">Net incorporation of companies into the Group</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(28)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset', window );">Current service cost</a></td>
<td class="nump">9<span></span>
</td>
<td class="nump">13<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset', window );">Interest cost</a></td>
<td class="nump">465<span></span>
</td>
<td class="nump">438<span></span>
</td>
<td class="nump">436<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset', window );">Benefits paid</a></td>
<td class="num">(469)<span></span>
</td>
<td class="num">(465)<span></span>
</td>
<td class="num">(428)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset', window );">Benefits paid by settlements</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ContributionsMadeByEmployees', window );">Contributions made by employees</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset', window );">Past service cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset', window );">Actuarial (gains)/losses</a></td>
<td class="num">(304)<span></span>
</td>
<td class="num">(965)<span></span>
</td>
<td class="nump">281<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset', window );">Demographic actuarial (gains)/losses</a></td>
<td class="num">(91)<span></span>
</td>
<td class="num">(133)<span></span>
</td>
<td class="num">(59)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset', window );">Financial actuarial (gains)/losses</a></td>
<td class="num">(213)<span></span>
</td>
<td class="num">(832)<span></span>
</td>
<td class="nump">340<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset', window );">Exchange differences and other items</a></td>
<td class="num">(438)<span></span>
</td>
<td class="nump">419<span></span>
</td>
<td class="nump">197<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans', window );">Net defined benefit liability (asset) at end of period</a></td>
<td class="nump">&#8364; 8,164<span></span>
</td>
<td class="nump">&#8364; 8,898<span></span>
</td>
<td class="nump">&#8364; 9,451<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in a net defined benefit liability (asset) resulting from actuarial gains (losses) arising from changes in demographic assumptions that result in remeasurements of the net defined benefit liability (asset). Demographic assumptions deal with matters such as: (a) mortality; (b) rates of employee turnover, disability and early retirement; (c) the proportion of plan members with dependants who will be eligible for benefits; (d) the proportion of plan members who will select each form of payment option available under the plan terms; and (e) claim rates under medical plans. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in a net defined benefit liability (asset) resulting from actuarial gains (losses) arising from changes in financial assumptions that result in remeasurements of the net defined benefit liability (asset). Financial assumptions deal with items such as: (a) the discount rate; (b) benefit levels, excluding any cost of the benefits to be met by employees, and future salary; (c) in the case of medical benefits, future medical costs, including claim handling costs (ie the costs that will be incurred in processing and resolving claims, including legal and adjuster's fees); and (d) taxes payable by the plan on contributions relating to service before the reporting date or on benefits resulting from that service. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph c<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_c_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the net defined benefit liability (asset) resulting from employee service in the current period. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the net defined benefit liability (asset) resulting from business combinations and disposals. [Refer: Total for all business combinations [member]; Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the net defined benefit liability (asset) resulting from changes in foreign exchange rates. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of deficit or surplus in a defined benefit plan, adjusted for any effect of limiting a net defined benefit asset to the asset ceiling. [Refer: Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 140<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_140_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 206<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_206_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 206<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_206_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilityAssetOfDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the net defined benefit liability (asset) resulting from past service cost. Past service cost is the change in the present value of the defined benefit obligation for employee service in prior periods, resulting from a plan amendment (the introduction or withdrawal of, or changes to, a defined benefit plan) or a curtailment (a significant reduction by the entity in the number of employees covered by a plan). [Refer: Net defined benefit liability (asset); Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in the net defined benefit liability (asset) resulting from payments from the plan. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in the net defined benefit liability (asset) resulting from payments from the plan in respect of settlements. [Refer: Decrease (increase) in net defined benefit liability (asset) resulting from gains (losses) arising from settlements; Net defined benefit liability (asset); Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in a net defined benefit liability (asset) resulting from actuarial gains (losses) that result in remeasurements of the net defined benefit liability (asset).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ActuarialGainsLossesDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ContributionsMadeByEmployees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Contributions made by employees.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ContributionsMadeByEmployees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_GB">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_GB</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NetDefinedBenefitLiabilityAssetAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NetDefinedBenefitLiabilityAssetAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Provisions - Schedule of changes in fair value of plan assets, United Kingdom (Details) - United Kingdom - Plan assets - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans', window );">Fair value of plan assets at beginning of year</a></td>
<td class="nump">&#8364; 9,400<span></span>
</td>
<td class="nump">&#8364; 10,208<span></span>
</td>
<td class="nump">&#8364; 10,152<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset', window );">Net incorporation of companies into the Group</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(41)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest', window );">Expected return on plan assets</a></td>
<td class="nump">496<span></span>
</td>
<td class="nump">478<span></span>
</td>
<td class="nump">498<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset', window );">Benefits paid</a></td>
<td class="num">(469)<span></span>
</td>
<td class="num">(465)<span></span>
</td>
<td class="num">(434)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset', window );">Contributions</a></td>
<td class="nump">203<span></span>
</td>
<td class="nump">182<span></span>
</td>
<td class="nump">225<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset', window );">Actuarial gains/(losses)</a></td>
<td class="num">(421)<span></span>
</td>
<td class="num">(1,440)<span></span>
</td>
<td class="num">(406)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset', window );">Exchange differences and other items</a></td>
<td class="num">(469)<span></span>
</td>
<td class="nump">437<span></span>
</td>
<td class="nump">214<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans', window );">Fair value of plan assets at end of year</a></td>
<td class="nump">&#8364; 8,740<span></span>
</td>
<td class="nump">&#8364; 9,400<span></span>
</td>
<td class="nump">&#8364; 10,208<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in the net defined benefit liability (asset) resulting from contributions to a defined benefit plan. [Refer: Net defined benefit liability (asset); Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the net defined benefit liability (asset) resulting from business combinations and disposals. [Refer: Total for all business combinations [member]; Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughBusinessCombinationsAndDisposalsNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the net defined benefit liability (asset) resulting from changes in foreign exchange rates. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of deficit or surplus in a defined benefit plan, adjusted for any effect of limiting a net defined benefit asset to the asset ceiling. [Refer: Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 140<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_140_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 206<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_206_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 206<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_206_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilityAssetOfDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in the net defined benefit liability (asset) resulting from payments from the plan. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in a net defined benefit liability (asset) resulting from actuarial gains (losses) that result in remeasurements of the net defined benefit liability (asset).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ActuarialGainsLossesDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Return On Plan Assets Net Defined Benefit Liability Asset Including Interest</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_GB">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_GB</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NetDefinedBenefitLiabilityAssetAxis=ifrs-full_PlanAssetsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Provisions - Schedule of main categories of plan assets, United Kingdom (Details) - United Kingdom<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_EquityInvestmentsMember', window );">Equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PlanAssetsAllocationPercentage', window );">Plan assets as a percentage of total plan assets</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PlanAssetsAllocationPercentage', window );">Plan assets as a percentage of total plan assets</a></td>
<td class="nump">67.00%<span></span>
</td>
<td class="nump">66.00%<span></span>
</td>
<td class="nump">62.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_InvestmentPropertyMember', window );">Properties</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PlanAssetsAllocationPercentage', window );">Plan assets as a percentage of total plan assets</a></td>
<td class="nump">11.00%<span></span>
</td>
<td class="nump">14.00%<span></span>
</td>
<td class="nump">12.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_OtherAssetsMember', window );">Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PlanAssetsAllocationPercentage', window );">Plan assets as a percentage of total plan assets</a></td>
<td class="nump">22.00%<span></span>
</td>
<td class="nump">20.00%<span></span>
</td>
<td class="nump">26.00%<span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
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<td>xbrli:stringItemType</td>
</tr>
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<td>na</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PlanAssetsAllocationPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Plan assets as a percentage of total plan assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PlanAssetsAllocationPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_EquityInvestmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=ifrs-full_EquityInvestmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_GB">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_GB</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_DebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=ifrs-full_DebtSecuritiesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=ifrs-full_InvestmentPropertyMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=ifrs-full_OtherAssetsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Provisions - Schedule of maturity of estimated benefits payments, United Kingdom (Details) - United Kingdom<br> &#8364; in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">2026</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans', window );">Estimated future benefit payable</a></td>
<td class="nump">&#8364; 576<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">2027</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans', window );">Estimated future benefit payable</a></td>
<td class="nump">485<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">2028</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans', window );">Estimated future benefit payable</a></td>
<td class="nump">503<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">2029</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans', window );">Estimated future benefit payable</a></td>
<td class="nump">527<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">2030</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans', window );">Estimated future benefit payable</a></td>
<td class="nump">545<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">2031 to 2035</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans', window );">Estimated future benefit payable</a></td>
<td class="nump">&#8364; 2,801<span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The estimated amount, at the balance sheet date, of the future benefits payable during the specified period from defined benefit plans.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_GB</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanOneYearMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_NotLaterThanOneYearMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Provisions - Schedule of funding status of the defined benefit obligations, Other Foreign Subsidiaries (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember', window );">Other foreign subsidiaries</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DefinedBenefitObligationAtPresentValue', window );">Present value of the obligations</a></td>
<td class="nump">&#8364; 6,886<span></span>
</td>
<td class="nump">&#8364; 6,903<span></span>
</td>
<td class="nump">&#8364; 8,485<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ChargeToParticipants', window );">Charge to the participants</a></td>
<td class="nump">152<span></span>
</td>
<td class="nump">157<span></span>
</td>
<td class="nump">114<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PlanAssetsAtFairValue', window );">Fair value of plan assets</a></td>
<td class="nump">6,284<span></span>
</td>
<td class="nump">6,502<span></span>
</td>
<td class="nump">7,787<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SurplusDeficitInPlan', window );">Provisions - Provisions for pensions</a></td>
<td class="nump">450<span></span>
</td>
<td class="nump">244<span></span>
</td>
<td class="nump">584<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InternalProvisionsForPensions', window );">Internal provisions for pensions</a></td>
<td class="nump">1,083<span></span>
</td>
<td class="nump">1,084<span></span>
</td>
<td class="nump">1,434<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetAssetsForPensions', window );">Net assets for pensions</a></td>
<td class="num">(170)<span></span>
</td>
<td class="num">(141)<span></span>
</td>
<td class="num">(154)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UnrecognizedNetAssetsForPensions', window );">Unrecognised net assets for pensions</a></td>
<td class="num">(463)<span></span>
</td>
<td class="num">&#8364; (699)<span></span>
</td>
<td class="num">&#8364; (696)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DefinedBenefitObligationAtPresentValue', window );">Present value of the obligations</a></td>
<td class="nump">4,569<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ChargeToParticipants', window );">Charge to the participants</a></td>
<td class="nump">152<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PlanAssetsAtFairValue', window );">Fair value of plan assets</a></td>
<td class="nump">4,730<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SurplusDeficitInPlan', window );">Provisions - Provisions for pensions</a></td>
<td class="num">(313)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InternalProvisionsForPensions', window );">Internal provisions for pensions</a></td>
<td class="nump">210<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetAssetsForPensions', window );">Net assets for pensions</a></td>
<td class="num">(60)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UnrecognizedNetAssetsForPensions', window );">Unrecognised net assets for pensions</a></td>
<td class="num">&#8364; (463)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DefinedBenefitObligationAtPresentValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The present value, without deducting any plan assets, of expected future payments required to settle the obligation resulting from employee service in the current and prior periods. [Refer: Plan assets, at fair value]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 57<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_57_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DefinedBenefitObligationAtPresentValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PlanAssetsAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The fair value of defined benefit plan assets. Plan assets comprise assets held by a long-term employee benefit fund and qualifying insurance policies. [Refer: At fair value [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 57<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_57_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PlanAssetsAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SurplusDeficitInPlan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The fair value of any plan assets, less the present value of the defined benefit obligation. [Refer: Plan assets [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 57<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_57_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SurplusDeficitInPlan</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ChargeToParticipants">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Charge to the participants.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ChargeToParticipants</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InternalProvisionsForPensions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Internal provisions for pensions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InternalProvisionsForPensions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NetAssetsForPensions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net assets for pensions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NetAssetsForPensions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_UnrecognizedNetAssetsForPensions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Unrecognized net assets for pensions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_UnrecognizedNetAssetsForPensions</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_BR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_BR</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<DOCUMENT>
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<head>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Provisions - Schedule of defined benefit obligation expenses recognized in the consolidated income statements, Other Foreign Subsidiaries (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans', window );">Post-employment benefit expense in profit or loss, defined benefit plans</a></td>
<td class="nump">&#8364; 41<span></span>
</td>
<td class="nump">&#8364; 45<span></span>
</td>
<td class="nump">&#8364; 42<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember', window );">Other foreign subsidiaries</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitPlansServiceCost', window );">Current service cost</a></td>
<td class="nump">26<span></span>
</td>
<td class="nump">28<span></span>
</td>
<td class="nump">25<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DefinedBenefitPlansInterestExpenseNet', window );">Interest cost (net)</a></td>
<td class="nump">68<span></span>
</td>
<td class="nump">92<span></span>
</td>
<td class="nump">83<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ActuarialGainsLossesRecognizedRelatedToDefinedBenefit', window );">Actuarial (gains)/losses recognised in the&#160;year</a></td>
<td class="nump">25<span></span>
</td>
<td class="nump">28<span></span>
</td>
<td class="nump">23<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits', window );">Past service cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits', window );">Pre-retirement cost</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits', window );">Other</a></td>
<td class="num">(2)<span></span>
</td>
<td class="num">(10)<span></span>
</td>
<td class="num">(3)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans', window );">Post-employment benefit expense in profit or loss, defined benefit plans</a></td>
<td class="nump">&#8364; 120<span></span>
</td>
<td class="nump">&#8364; 140<span></span>
</td>
<td class="nump">&#8364; 129<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</td>
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<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 5<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_5&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 135<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_135_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ActuarialGainsLossesRecognizedRelatedToDefinedBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Actuarial (gains)/losses recognized in the year related to defined benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ActuarialGainsLossesRecognizedRelatedToDefinedBenefit</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest expense net recognized related to defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DefinedBenefitPlansInterestExpenseNet</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of service cost expense recognized related to defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DefinedBenefitPlansServiceCost</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other costs or gains charged to income statement related to defined benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Past service cost charged to income statement related to defined benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Pre-retirement cost charged to income statement related to defined benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<DOCUMENT>
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<FILENAME>R245.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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</head>
<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Provisions - Schedule of status and changes of the defined benefit obligations, Other Foreign Subsidiaries (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset', window );">Benefits paid due to settlements</a></td>
<td class="num">&#8364; (133)<span></span>
</td>
<td class="num">&#8364; (20)<span></span>
</td>
<td class="num">&#8364; (2)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember', window );">Other foreign subsidiaries | Present value of defined benefit obligation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans', window );">Net defined benefit liability (asset) at beginning of period</a></td>
<td class="nump">6,903<span></span>
</td>
<td class="nump">8,485<span></span>
</td>
<td class="nump">7,578<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetInclusionOfEntitiesInGroupDefinedBenefits', window );">Incorporation of Group companies, net</a></td>
<td class="num">(6)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(20)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset', window );">Current service cost</a></td>
<td class="nump">26<span></span>
</td>
<td class="nump">28<span></span>
</td>
<td class="nump">25<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset', window );">Interest cost</a></td>
<td class="nump">552<span></span>
</td>
<td class="nump">578<span></span>
</td>
<td class="nump">599<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreRetirementCostDefinedBenefitLiabilityAsset', window );">Pre-retirement cost</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset', window );">Effect of curtailment/settlement</a></td>
<td class="num">(2)<span></span>
</td>
<td class="num">(10)<span></span>
</td>
<td class="num">(2)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset', window );">Benefits paid</a></td>
<td class="num">(726)<span></span>
</td>
<td class="num">(1,113)<span></span>
</td>
<td class="num">(730)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ContributionsMadeByEmployees', window );">Contributions made by employees</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset', window );">Past service cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset', window );">Actuarial (gains)/losses</a></td>
<td class="nump">270<span></span>
</td>
<td class="num">(191)<span></span>
</td>
<td class="nump">697<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset', window );">Demographic actuarial (gains)/losses</a></td>
<td class="nump">300<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="nump">40<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset', window );">Financial actuarial (gains)/losses</a></td>
<td class="num">(30)<span></span>
</td>
<td class="num">(190)<span></span>
</td>
<td class="nump">657<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset', window );">Exchange differences and other items</a></td>
<td class="num">(5)<span></span>
</td>
<td class="num">(860)<span></span>
</td>
<td class="nump">336<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans', window );">Net defined benefit liability (asset) at end of period</a></td>
<td class="nump">&#8364; 6,886<span></span>
</td>
<td class="nump">&#8364; 6,903<span></span>
</td>
<td class="nump">&#8364; 8,485<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in a net defined benefit liability (asset) resulting from actuarial gains (losses) arising from changes in demographic assumptions that result in remeasurements of the net defined benefit liability (asset). Demographic assumptions deal with matters such as: (a) mortality; (b) rates of employee turnover, disability and early retirement; (c) the proportion of plan members with dependants who will be eligible for benefits; (d) the proportion of plan members who will select each form of payment option available under the plan terms; and (e) claim rates under medical plans. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in a net defined benefit liability (asset) resulting from actuarial gains (losses) arising from changes in financial assumptions that result in remeasurements of the net defined benefit liability (asset). Financial assumptions deal with items such as: (a) the discount rate; (b) benefit levels, excluding any cost of the benefits to be met by employees, and future salary; (c) in the case of medical benefits, future medical costs, including claim handling costs (ie the costs that will be incurred in processing and resolving claims, including legal and adjuster's fees); and (d) taxes payable by the plan on contributions relating to service before the reporting date or on benefits resulting from that service. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph c<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_c_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the net defined benefit liability (asset) resulting from employee service in the current period. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CurrentServiceCostNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the net defined benefit liability (asset) resulting from changes in foreign exchange rates. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestExpenseIncomeNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of deficit or surplus in a defined benefit plan, adjusted for any effect of limiting a net defined benefit asset to the asset ceiling. [Refer: Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 140<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_140_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 206<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_206_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 206<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_206_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilityAssetOfDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the net defined benefit liability (asset) resulting from past service cost. Past service cost is the change in the present value of the defined benefit obligation for employee service in prior periods, resulting from a plan amendment (the introduction or withdrawal of, or changes to, a defined benefit plan) or a curtailment (a significant reduction by the entity in the number of employees covered by a plan). [Refer: Net defined benefit liability (asset); Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PastServiceCostNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in the net defined benefit liability (asset) resulting from payments from the plan. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in the net defined benefit liability (asset) resulting from payments from the plan in respect of settlements. [Refer: Decrease (increase) in net defined benefit liability (asset) resulting from gains (losses) arising from settlements; Net defined benefit liability (asset); Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in a net defined benefit liability (asset) resulting from actuarial gains (losses) that result in remeasurements of the net defined benefit liability (asset).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ActuarialGainsLossesDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ContributionsMadeByEmployees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Contributions made by employees.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ContributionsMadeByEmployees</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Effect of curtailment/settlement on defined benefit liability asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EffectOfCurtailmentSettlementDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NetInclusionOfEntitiesInGroupDefinedBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net inclusion of entities in the Group for defined benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NetInclusionOfEntitiesInGroupDefinedBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PreRetirementCostDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the net defined benefit liability (asset) resulting from pre-retirement cost.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PreRetirementCostDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NetDefinedBenefitLiabilityAssetAxis=ifrs-full_PresentValueOfDefinedBenefitObligationMember</td>
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<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Provisions - Schedule of changes in fair value of plan assets, Other Foreign Subsidiaries (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
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<td class="text">&#160;<span></span>
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<td class="nump">&#8364; 13<span></span>
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<td class="nump">&#8364; 0<span></span>
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<td class="nump">133<span></span>
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<td class="nump">20<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans', window );">Fair value of plan assets at beginning of year</a></td>
<td class="nump">6,502<span></span>
</td>
<td class="nump">7,787<span></span>
</td>
<td class="nump">7,321<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions', window );">Incorporation of Group companies, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(16)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest', window );">Expected return on plan assets</a></td>
<td class="nump">556<span></span>
</td>
<td class="nump">551<span></span>
</td>
<td class="nump">588<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset', window );">Benefits paid</a></td>
<td class="num">(752)<span></span>
</td>
<td class="num">(1,022)<span></span>
</td>
<td class="num">(644)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset', window );">Contributions</a></td>
<td class="nump">134<span></span>
</td>
<td class="nump">477<span></span>
</td>
<td class="nump">124<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset', window );">Actuarial gains/(losses)</a></td>
<td class="num">(201)<span></span>
</td>
<td class="num">(304)<span></span>
</td>
<td class="nump">110<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset', window );">Benefits paid by settlements</a></td>
<td class="num">(1)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset', window );">Exchange differences and other items</a></td>
<td class="nump">46<span></span>
</td>
<td class="num">(987)<span></span>
</td>
<td class="nump">304<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans', window );">Fair value of plan assets at end of year</a></td>
<td class="nump">&#8364; 6,284<span></span>
</td>
<td class="nump">&#8364; 6,502<span></span>
</td>
<td class="nump">&#8364; 7,787<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in the net defined benefit liability (asset) resulting from contributions to a defined benefit plan. [Refer: Net defined benefit liability (asset); Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ContributionsToPlanNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the net defined benefit liability (asset) resulting from changes in foreign exchange rates. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilityAssetOfDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of deficit or surplus in a defined benefit plan, adjusted for any effect of limiting a net defined benefit asset to the asset ceiling. [Refer: Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 140<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_140_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 206<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_206_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 206<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_206_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilityAssetOfDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in the net defined benefit liability (asset) resulting from payments from the plan. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 207<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_207_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PaymentsFromPlanNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in the net defined benefit liability (asset) resulting from payments from the plan in respect of settlements. [Refer: Decrease (increase) in net defined benefit liability (asset) resulting from gains (losses) arising from settlements; Net defined benefit liability (asset); Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ActuarialGainsLossesDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in a net defined benefit liability (asset) resulting from actuarial gains (losses) that result in remeasurements of the net defined benefit liability (asset).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ActuarialGainsLossesDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) Through Incorporation Of Group Companies, Provisions</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughIncorporationOfGroupCompaniesProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Return On Plan Assets Net Defined Benefit Liability Asset Including Interest</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NetDefinedBenefitLiabilityAssetAxis=ifrs-full_PlanAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NetDefinedBenefitLiabilityAssetAxis=ifrs-full_PlanAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>329
<FILENAME>R247.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Provisions - Schedule of main categories of plan assets, Other Foreign Subsidiaries (Details) - Other foreign subsidiaries<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_EquityInvestmentsMember', window );">Equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PlanAssetsAllocationPercentage', window );">Plan assets as a percentage of total plan assets</a></td>
<td class="nump">14.00%<span></span>
</td>
<td class="nump">13.00%<span></span>
</td>
<td class="nump">11.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PlanAssetsAllocationPercentage', window );">Plan assets as a percentage of total plan assets</a></td>
<td class="nump">79.00%<span></span>
</td>
<td class="nump">79.00%<span></span>
</td>
<td class="nump">83.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_InvestmentPropertyMember', window );">Investment property</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PlanAssetsAllocationPercentage', window );">Plan assets as a percentage of total plan assets</a></td>
<td class="nump">1.00%<span></span>
</td>
<td class="nump">1.00%<span></span>
</td>
<td class="nump">1.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_OtherAssetsMember', window );">Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PlanAssetsAllocationPercentage', window );">Plan assets as a percentage of total plan assets</a></td>
<td class="nump">6.00%<span></span>
</td>
<td class="nump">7.00%<span></span>
</td>
<td class="nump">5.00%<span></span>
</td>
</tr>
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<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PlanAssetsAllocationPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Plan assets as a percentage of total plan assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PlanAssetsAllocationPercentage</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_EquityInvestmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=ifrs-full_EquityInvestmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_DebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=ifrs-full_DebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_InvestmentPropertyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=ifrs-full_InvestmentPropertyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_OtherAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=ifrs-full_OtherAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>330
<FILENAME>R248.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Provisions - Schedule of maturity of estimated benefits payments, Other Foreign Subsidiaries (Details) - Other foreign subsidiaries<br> &#8364; in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember', window );">2026</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans', window );">Estimated future benefit payable</a></td>
<td class="nump">&#8364; 746<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember', window );">2027</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans', window );">Estimated future benefit payable</a></td>
<td class="nump">736<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember', window );">2028</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans', window );">Estimated future benefit payable</a></td>
<td class="nump">740<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember', window );">2029</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans', window );">Estimated future benefit payable</a></td>
<td class="nump">744<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember', window );">2030</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans', window );">Estimated future benefit payable</a></td>
<td class="nump">747<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember', window );">2031 to 2035</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems', window );"><strong>Disclosure of net defined benefit liability (asset) [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans', window );">Estimated future benefit payable</a></td>
<td class="nump">&#8364; 3,790<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNetDefinedBenefitLiabilityAssetLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The estimated amount, at the balance sheet date, of the future benefits payable during the specified period from defined benefit plans.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EstimatedFutureBenefitPayableFromDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingUKMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanOneYearMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_NotLaterThanOneYearMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFourYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanFourYearsAndNotLaterThanFiveYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Provisions - Schedule of other provisions by geographical area (Details)<br> &#8364; in Millions, &#163; in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>GBP (&#163;)</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>GBP (&#163;)</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">&#8364; 8,355.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 8,407.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 8,441.0<span></span>
</td>
<td class="nump">&#8364; 8,149.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember', window );">Other provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">4,993.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,051.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,634.0<span></span>
</td>
<td class="nump">&#8364; 4,073.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Other provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">2,033.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,924.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,921.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_EuropeanUnionExcludingSpainMember', window );">Rest of Europe | Other provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">310.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">694.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">433.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherForeignCountriesNotIncludingCountriesInEUMember', window );">Other Foreign Countries Not Including Countries in EU | Other provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">2,650.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,433.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,280.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Other provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">1,530.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,445.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,618.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">United Kingdom | Other provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">736.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">654.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 373.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">United Kingdom | Other provisions | Financial Conduct Authority (FCA) Review of The Vehicle Finance Market</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">&#8364; 528.1<span></span>
</td>
<td class="nump">&#163; 461.0<span></span>
</td>
<td class="nump">&#8364; 353.3<span></span>
</td>
<td class="nump">&#163; 293.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfOtherProvisionsLineItems</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities of uncertain timing or amount, including provisions for employee benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph l<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_l&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_EuropeanUnionExcludingSpainMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_GB</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Provisions - Schedule of other provisions by type of provision (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">&#8364; 8,355<span></span>
</td>
<td class="nump">&#8364; 8,407<span></span>
</td>
<td class="nump">&#8364; 8,441<span></span>
</td>
<td class="nump">&#8364; 8,149<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember', window );">Other provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">4,993<span></span>
</td>
<td class="nump">5,051<span></span>
</td>
<td class="nump">4,634<span></span>
</td>
<td class="nump">&#8364; 4,073<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_ProvisionsForTaxesMember', window );">Provisions for taxes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">720<span></span>
</td>
<td class="nump">727<span></span>
</td>
<td class="nump">745<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=ifrs-full_LegalProceedingsProvisionMember', window );">Legal proceedings provision</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">1,675<span></span>
</td>
<td class="nump">1,532<span></span>
</td>
<td class="nump">1,359<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_ProvisionForCustomerRemediationMember', window );">Provision for customer remediation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Provisions', window );">Provisions</a></td>
<td class="nump">826<span></span>
</td>
<td class="nump">1,001<span></span>
</td>
<td class="nump">454<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=ifrs-full_RestructuringProvisionMember', window );">Provision for restructuring</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">&#8364; 707<span></span>
</td>
<td class="nump">&#8364; 910<span></span>
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<td class="nump">&#8364; 767<span></span>
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<td class="nump">9,018<span></span>
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<td class="nump">9,003<span></span>
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<td class="nump">9,136<span></span>
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<td class="nump">6,212<span></span>
</td>
<td class="nump">6,431<span></span>
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<td class="nump">7,695<span></span>
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<td class="nump">&#8364; 15,937<span></span>
</td>
<td class="nump">&#8364; 16,344<span></span>
</td>
<td class="nump">&#8364; 17,598<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherLiabilities</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherPayables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amounts payable that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherPayables</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of accruals and deferred income. [Refer: Accruals; Deferred income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AccruedExpensesAndDeferredIncome</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherMiscellaneousLiabilities">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Liabilities classified as Other Liabilities, not otherwise specified.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherMiscellaneousLiabilities</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Tax matters - Narrative (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="5">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>GBP (&#163;)</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>GBP (&#163;)</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">&#8364; 18,944<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 19,170<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 20,767<span></span>
</td>
<td class="nump">&#8364; 20,787<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxAssetsNotRecognized', window );">Deferred tax assets not recognized</a></td>
<td class="nump">11,240<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TaxLossesDeferredTaxAssetsNotRecognized', window );">Tax losses, deferred tax assets not recognized</a></td>
<td class="nump">6,420<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TaxCreditsDeferredTaxAssetsNotRecognized', window );">Tax credits, deferred tax assets not recognized</a></td>
<td class="nump">3,430<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherConceptsDeferredTaxAssetsNotRecognized', window );">Other concepts, deferred tax assets not recognized</a></td>
<td class="nump">1,390<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TaxExpenseOtherThanIncomeTaxExpense', window );">Taxes other than income tax</a></td>
<td class="nump">543<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">554<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">568<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TaxReformAxis=san_Law382022TaxReformMember', window );">Law 38/2022, Tax Reform</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TaxExpenseOtherThanIncomeTaxExpense', window );">Taxes other than income tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">334<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">224<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TaxReformAxis=san_DecreeLaw92024Member', window );">Decree-Law 9/2024</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PaymentOfTaxExpenseOtherThanIncomeTaxExpense', window );">Payment of tax expense other than income tax expense</a></td>
<td class="nump">392<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TaxReformAxis=san_Law72024TaxReformMember', window );">Law 7/2024, Tax Reform</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TaxExpenseOtherThanIncomeTaxExpense', window );">Taxes other than income tax</a></td>
<td class="nump">353<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=ifrs-full_TemporaryDifferenceMember', window );">Temporary differences</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">&#8364; 16,590<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">16,803<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">18,374<span></span>
</td>
<td class="nump">19,009<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RemainingRecoveryPeriodOfDeferredTaxAssetsForTemporaryDifferences', window );">Deferred tax asset recovery period</a></td>
<td class="text">15 years<span></span>
</td>
<td class="text">15 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_UnusedTaxLossesAndTaxCreditsMember', window );">Tax losses and tax credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">&#8364; 2,354<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,367<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,393<span></span>
</td>
<td class="nump">1,778<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ClassesOfDeferredTaxAssetsAxis=san_MonetizableTaxAssetsMember', window );">Monetizable</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">10,725<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">10,309<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">11,099<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ClassesOfDeferredTaxAssetsAxis=san_MonetizableTaxAssetsMember', window );">Monetizable | Temporary differences</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">10,725<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">10,309<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">11,099<span></span>
</td>
<td class="nump">&#8364; 10,660<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ClassesOfDeferredTaxAssetsAxis=san_NonMonetizableTaxAssetsMember', window );">Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">8,219<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,861<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9,668<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ClassesOfDeferredTaxAssetsAxis=san_NonMonetizableTaxAssetsMember', window );">Other | Temporary differences</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">5,865<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6,494<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,275<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ClassesOfDeferredTaxAssetsAxis=san_NonMonetizableTaxAssetsMember', window );">Other | Tax losses and tax credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">2,354<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 2,367<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 2,393<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">7,183<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Tax losses and tax credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">681<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Monetizable | Temporary differences</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">5,069<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Other | Temporary differences</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">1,433<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">7,465<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Tax losses and tax credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">709<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Monetizable | Temporary differences</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">5,606<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Other | Temporary differences</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">1,150<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_MX', window );">Mexico</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">1,542<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_MX', window );">Mexico | Temporary differences</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">1,511<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_MX', window );">Mexico | Tax losses and tax credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">31<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">1,026<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Temporary differences</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">253<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Tax losses and tax credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">&#8364; 773<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">United Kingdom</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TaxCreditForTaxesPaidAbroadThresholdAmountOfExemptDividends', window );">Dividend exemption, generating potential tax credit | &#163;</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#163; 500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#163; 500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionsAxis=san_ActuarialAssumptionOfGrowthMember', window );">Actuarial assumption of growth | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfReasonablyPossibleIncreaseDecreaseInAssumption', window );">Percentage used to adjust sensitivity analysis</a></td>
<td class="nump">0.50%<span></span>
</td>
<td class="nump">0.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionsAxis=ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember', window );">Inflation rate assumption | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherProvisionsLineItems', window );"><strong>Disclosure of other provisions [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfReasonablyPossibleIncreaseDecreaseInAssumption', window );">Percentage used to adjust sensitivity analysis</a></td>
<td class="nump">0.50%<span></span>
</td>
<td class="nump">0.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DeferredTaxAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amounts of income taxes recoverable in future periods in respect of: (a) deductible temporary differences; (b) the carryforward of unused tax losses; and (c) the carryforward of unused tax credits. [Refer: Temporary differences [member]; Unused tax credits [member]; Unused tax losses [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph g<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_g_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph f<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_f_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph f<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_f_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph o<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_o&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_56&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DeferredTaxAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfOtherProvisionsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfOtherProvisionsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TaxExpenseOtherThanIncomeTaxExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TaxExpenseOtherThanIncomeTaxExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredTaxAssetsNotRecognized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of deferred tax assets subject to requirements not recognized for the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredTaxAssetsNotRecognized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherConceptsDeferredTaxAssetsNotRecognized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Concepts, Deferred Tax Assets Not Recognized</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherConceptsDeferredTaxAssetsNotRecognized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PaymentOfTaxExpenseOtherThanIncomeTaxExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Payment Of Tax Expense Other Than Income Tax Expense</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PaymentOfTaxExpenseOtherThanIncomeTaxExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageOfReasonablyPossibleIncreaseDecreaseInAssumption">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage Of Reasonably Possible Increase (Decrease) In Assumption</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfReasonablyPossibleIncreaseDecreaseInAssumption</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RemainingRecoveryPeriodOfDeferredTaxAssetsForTemporaryDifferences">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The remaining recovery period of deferred tax assets for temporary differences.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RemainingRecoveryPeriodOfDeferredTaxAssetsForTemporaryDifferences</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TaxCreditForTaxesPaidAbroadThresholdAmountOfExemptDividends">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of dividends paid to shareholders of the entity that are exempt from tax, such that taxes paid by the entity in respect of withholdings that exceed such amount, entitle the shareholders to tax credit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TaxCreditForTaxesPaidAbroadThresholdAmountOfExemptDividends</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TaxCreditsDeferredTaxAssetsNotRecognized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tax Credits, Deferred Tax Assets Not Recognized</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TaxCreditsDeferredTaxAssetsNotRecognized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TaxLossesDeferredTaxAssetsNotRecognized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tax Losses, Deferred Tax Assets Not Recognized</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TaxLossesDeferredTaxAssetsNotRecognized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TaxReformAxis=san_Law382022TaxReformMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TaxReformAxis=san_Law382022TaxReformMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TaxReformAxis=san_DecreeLaw92024Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TaxReformAxis=san_DecreeLaw92024Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TaxReformAxis=san_Law72024TaxReformMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TaxReformAxis=san_Law72024TaxReformMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=ifrs-full_TemporaryDifferenceMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=ifrs-full_TemporaryDifferenceMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_UnusedTaxLossesAndTaxCreditsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_UnusedTaxLossesAndTaxCreditsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ClassesOfDeferredTaxAssetsAxis=san_MonetizableTaxAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ClassesOfDeferredTaxAssetsAxis=san_MonetizableTaxAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ClassesOfDeferredTaxAssetsAxis=san_NonMonetizableTaxAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ClassesOfDeferredTaxAssetsAxis=san_NonMonetizableTaxAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_BR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_BR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_MX</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_US</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_GB">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_GB</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ActuarialAssumptionsAxis=san_ActuarialAssumptionOfGrowthMember">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialAssumptionsAxis=san_ActuarialAssumptionOfGrowthMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialAssumptionsAxis=ifrs-full_ActuarialAssumptionOfExpectedRatesOfInflationMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Tax matters - Schedule of reconciliation of income tax expense (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1">8 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Aug. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAbstract', window );"><strong>Consolidated profit (loss) before tax</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">From continuing operations</a></td>
<td class="nump">&#8364; 6,193.0<span></span>
</td>
<td class="nump">&#8364; 18,681.0<span></span>
</td>
<td class="nump">&#8364; 17,347.0<span></span>
</td>
<td class="nump">&#8364; 15,005.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProfitLossBeforeTaxFromDiscontinuedOperations', window );">From discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,950.0<span></span>
</td>
<td class="nump">1,680.0<span></span>
</td>
<td class="nump">1,454.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProfitLossBeforeTaxIncludingDiscontinuedOperations', window );">Consolidated profit (loss) before tax:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">20,631.0<span></span>
</td>
<td class="nump">19,027.0<span></span>
</td>
<td class="nump">16,459.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations', window );">Income tax at tax rate applicable in Spain (30%)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6,189.0<span></span>
</td>
<td class="nump">5,708.0<span></span>
</td>
<td class="nump">4,938.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TaxEffectOfForeignTaxRates', window );">By the effect of application of the various tax rates applicable in each country</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(103.0)<span></span>
</td>
<td class="nump">115.0<span></span>
</td>
<td class="num">(100.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TaxEffectOfProfitLossOfAssociatesAndJointVentures', window );">Effect of profit or loss of associates and joint ventures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(207.0)<span></span>
</td>
<td class="num">(213.0)<span></span>
</td>
<td class="num">(184.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TaxEffectOfUSAElectricVehicleLeasingIncentives', window );">USA electric vehicle leasing incentives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(203.0)<span></span>
</td>
<td class="num">(258.0)<span></span>
</td>
<td class="num">(259.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentTaxExpenseIncomeRelatedToPillarTwoIncomeTaxes', window );">Global minimum tax Pillar Two</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6.0<span></span>
</td>
<td class="nump">14.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TaxEffectOfRemeasurementOfDeferredTax', window );">Effect of reassessment of deferred taxes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(101.0)<span></span>
</td>
<td class="nump">68.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss', window );">Permanent differences and other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(450.0)<span></span>
</td>
<td class="num">(151.0)<span></span>
</td>
<td class="num">(119.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TaxExpenseIncomeIncludingDiscontinuedOperations', window );">Income tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 5,131.0<span></span>
</td>
<td class="nump">&#8364; 5,283.0<span></span>
</td>
<td class="nump">&#8364; 4,276.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AverageEffectiveTaxRate', window );">Effective tax rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">24.87%<span></span>
</td>
<td class="nump">27.77%<span></span>
</td>
<td class="nump">25.98%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Continuing operations</a></td>
<td class="nump">&#8364; 635.0<span></span>
</td>
<td class="nump">&#8364; 4,723.0<span></span>
</td>
<td class="nump">&#8364; 4,844.0<span></span>
</td>
<td class="nump">&#8364; 3,880.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations', window );">Discontinued operations (Note 37)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">408.0<span></span>
</td>
<td class="nump">439.0<span></span>
</td>
<td class="nump">396.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods', window );">Current taxes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,666.0<span></span>
</td>
<td class="nump">4,855.0<span></span>
</td>
<td class="nump">5,568.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss', window );">Deferred taxes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(535.0)<span></span>
</td>
<td class="nump">428.0<span></span>
</td>
<td class="num">(1,292.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities', window );">Income tax (receipts)/payments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 4,954.0<span></span>
</td>
<td class="nump">&#8364; 5,880.0<span></span>
</td>
<td class="nump">&#8364; 5,214.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_ES', window );">Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfGeographicalAreasLineItems', window );"><strong>Disclosure of geographical areas [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ApplicableTaxRate', window );">Applicable tax rate in Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">30.00%<span></span>
</td>
<td class="nump">30.00%<span></span>
</td>
<td class="nump">30.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAbstract', window );"><strong>Consolidated profit (loss) before tax</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TaxEffectOfForeignTaxRates', window );">By the effect of application of the various tax rates applicable in each country</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 264.0<span></span>
</td>
<td class="nump">&#8364; 413.0<span></span>
</td>
<td class="nump">&#8364; 198.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">United Kingdom</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAbstract', window );"><strong>Consolidated profit (loss) before tax</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TaxEffectOfForeignTaxRates', window );">By the effect of application of the various tax rates applicable in each country</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(42.0)<span></span>
</td>
<td class="num">(53.0)<span></span>
</td>
<td class="num">(51.0)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAbstract', window );"><strong>Consolidated profit (loss) before tax</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TaxEffectOfForeignTaxRates', window );">By the effect of application of the various tax rates applicable in each country</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(60.0)<span></span>
</td>
<td class="num">(25.0)<span></span>
</td>
<td class="num">(28.0)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_CL', window );">Chile</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAbstract', window );"><strong>Consolidated profit (loss) before tax</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TaxEffectOfForeignTaxRates', window );">By the effect of application of the various tax rates applicable in each country</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(36.0)<span></span>
</td>
<td class="num">(33.0)<span></span>
</td>
<td class="num">(28.0)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_PL', window );">Poland</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAbstract', window );"><strong>Consolidated profit (loss) before tax</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TaxEffectOfForeignTaxRates', window );">By the effect of application of the various tax rates applicable in each country</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">&#8364; (224.0)<span></span>
</td>
<td class="num">&#8364; (183.0)<span></span>
</td>
<td class="num">&#8364; (164.0)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ApplicableTaxRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The applicable income tax rate.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ApplicableTaxRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AverageEffectiveTaxRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The tax expense (income) divided by the accounting profit. [Refer: Accounting profit]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AverageEffectiveTaxRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 80<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_80&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CurrentTaxExpenseIncomeRelatedToPillarTwoIncomeTaxes">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of current tax expense (income) related to Pillar Two income taxes.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 88B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_88B&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 197<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_197&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 197<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_197&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CurrentTaxExpenseIncomeRelatedToPillarTwoIncomeTaxes</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph g<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_g_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph f<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_f_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph f<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_f_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfGeographicalAreasLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfGeographicalAreasLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxExpenseContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph b<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_b_viii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 79<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_79&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_g&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 192<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_192&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 192<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_192&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxExpenseContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash flows from income taxes paid or refunded, classified as operating activities. [Refer: Income taxes paid (refund)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 14<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_14_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TaxEffectOfForeignTaxRates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount that represents the difference between the tax expense (income) and the product of the accounting profit multiplied by the applicable tax rate(s) that relates to foreign tax rates. [Refer: Accounting profit]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TaxEffectOfForeignTaxRates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph h<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_h_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ProfitLossBeforeTaxFromDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Profit (Loss) Before Tax From Discontinued Operations</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ProfitLossBeforeTaxFromDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ProfitLossBeforeTaxIncludingDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Profit (Loss) Before Tax, Including Discontinued Operations</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ProfitLossBeforeTaxIncludingDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tax Effect Of Expense Not Deductible And Other In Determining Taxable Profit (Tax Loss)</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TaxEffectOfProfitLossOfAssociatesAndJointVentures">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tax Effect Of Profit (Loss) Of Associates And Joint Ventures</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TaxEffectOfProfitLossOfAssociatesAndJointVentures</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TaxEffectOfRemeasurementOfDeferredTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount that represents the difference between the tax expense (income) and the product of the accounting profit multiplied by the applicable tax rate(s) that relates to remeasurement of deferred taxes.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TaxEffectOfRemeasurementOfDeferredTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TaxEffectOfUSAElectricVehicleLeasingIncentives">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tax Effect Of USA Electric Vehicle Leasing Incentives</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TaxEffectOfUSAElectricVehicleLeasingIncentives</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tax Expense (Income) At Applicable Tax Rate, Including Discontinued Operations</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TaxExpenseIncomeIncludingDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tax Expense (Income), Including Discontinued Operations</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TaxExpenseIncomeIncludingDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_ES">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_ES</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_BR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_BR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_GB">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_GB</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Tax matters - Schedule of tax recognized in equity (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossAbstract', window );"><strong>Other comprehensive income</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures', window );">Items not reclassified to profit or loss</a></td>
<td class="nump">&#8364; 115<span></span>
</td>
<td class="nump">&#8364; 85<span></span>
</td>
<td class="nump">&#8364; 358<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome', window );">Actuarial gains or (-) losses on defined benefit pension plans</a></td>
<td class="nump">63<span></span>
</td>
<td class="nump">172<span></span>
</td>
<td class="nump">302<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxRelatingToHedgesOfInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome', window );">Changes in the fair value of equity instruments measured at fair value through other comprehensive income</a></td>
<td class="nump">4<span></span>
</td>
<td class="num">(4)<span></span>
</td>
<td class="nump">20<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome', window );">Financial liabilities at fair value with changes in results attributable to changes in credit risk</a></td>
<td class="nump">48<span></span>
</td>
<td class="num">(83)<span></span>
</td>
<td class="nump">36<span></span>
</td>
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<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures', window );">Items that may be reclassified to profit or loss</a></td>
<td class="num">(440)<span></span>
</td>
<td class="nump">54<span></span>
</td>
<td class="num">(919)<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome', window );">Cash flow hedges</a></td>
<td class="num">(207)<span></span>
</td>
<td class="num">(205)<span></span>
</td>
<td class="num">(732)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Changes in the fair value of debt instruments through other comprehensive income</a></td>
<td class="num">(204)<span></span>
</td>
<td class="nump">261<span></span>
</td>
<td class="num">(214)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxRelatingToHedgesOfNetInvestmentsInForeignOperationsOfOtherComprehensiveIncome', window );">Hedging instruments (items not designated)</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome', window );">Non-current assets held for sale</a></td>
<td class="num">(32)<span></span>
</td>
<td class="nump">0<span></span>
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<td class="nump">0<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxRelatingToShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLoss', window );">Other recognised income and expense of investments in subsidiaries, joint ventures and associates</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(2)<span></span>
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<td class="nump">27<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome', window );">Total</a></td>
<td class="num">&#8364; (325)<span></span>
</td>
<td class="nump">&#8364; 139<span></span>
</td>
<td class="num">&#8364; (561)<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to amounts recognised in other comprehensive income in relation to cash flow hedges. [Refer: Cash flow hedges [member]; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph ab<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_ab&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 90<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_90&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to amounts recognised in other comprehensive income in relation to changes in the fair value of financial liabilities attributable to a change in the credit risk of those liabilities. [Refer: Credit risk [member]; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph ab<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_ab&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 90<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_90&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td style="white-space:nowrap;">ifrs-full_IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to amounts recognised in other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph ab<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_ab&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 90<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_90&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to amounts recognised in other comprehensive income in relation to financial assets measured at fair value through other comprehensive income applying paragraph 4.1.2A of IFRS 9. [Refer: Financial assets measured at fair value through other comprehensive income; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph ab<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_ab&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 90<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_90&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to amounts recognised in other comprehensive income in relation to hedges of investments in equity instruments that the entity has designated at fair value through other comprehensive income. [Refer: Other comprehensive income; Reserve of gains and losses on hedging instruments that hedge investments in equity instruments]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph ab<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_ab&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 90<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_90&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxRelatingToHedgesOfInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxRelatingToHedgesOfNetInvestmentsInForeignOperationsOfOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to amounts recognised in other comprehensive income in relation to hedges of net investments in foreign operations. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph ab<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_ab&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 90<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_90&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxRelatingToHedgesOfNetInvestmentsInForeignOperationsOfOtherComprehensiveIncome</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to amounts recognised in other comprehensive income in relation to remeasurements of defined benefit plans. [Refer: Other comprehensive income; Reserve of remeasurements of defined benefit plans; Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph ab<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_ab&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 90<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_90&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to an entity's share of other comprehensive income of associates and joint ventures accounted for using the equity method that will be reclassified to profit or loss. [Refer: Share of other comprehensive income of associates and joint ventures accounted for using equity method, before tax]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxRelatingToShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLoss</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to amounts recognised in other comprehensive income that will be reclassified to profit or loss, including share of OCI of associates and joint ventures accounted for using the equity method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to amounts recognised in other comprehensive income that will not be reclassified to profit or loss including share of OCI of associates and joint ventures accounted for using equity method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Income Tax Relating To Non Current Assets Held For Sale Included In Other Comprehensive Income</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Tax matters - Schedule of deferred tax assets and liabilities (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2017</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">&#8364; 18,944<span></span>
</td>
<td class="nump">&#8364; 19,170<span></span>
</td>
<td class="nump">&#8364; 20,767<span></span>
</td>
<td class="nump">&#8364; 20,787<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxLiabilities', window );">Deferred tax liabilities</a></td>
<td class="nump">5,904<span></span>
</td>
<td class="nump">6,276<span></span>
</td>
<td class="nump">6,086<span></span>
</td>
<td class="nump">6,428<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_BancoPopularEspanolSAMember', window );">Banco Popular Espanol, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxAssetsPortionAlreadySubmittedForConversion', window );">Portion already submitted for conversion</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 995<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_UnusedTaxLossesAndTaxCreditsMember', window );">Tax losses and tax credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">2,354<span></span>
</td>
<td class="nump">2,367<span></span>
</td>
<td class="nump">2,393<span></span>
</td>
<td class="nump">1,778<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=ifrs-full_TemporaryDifferenceMember', window );">Temporary differences</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">16,590<span></span>
</td>
<td class="nump">16,803<span></span>
</td>
<td class="nump">18,374<span></span>
</td>
<td class="nump">19,009<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxLiabilities', window );">Deferred tax liabilities</a></td>
<td class="nump">5,904<span></span>
</td>
<td class="nump">6,276<span></span>
</td>
<td class="nump">6,086<span></span>
</td>
<td class="nump">6,428<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_ValuationOfFinancialInstrumentsMember', window );">Valuation of financial instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxLiabilities', window );">Deferred tax liabilities</a></td>
<td class="nump">1,980<span></span>
</td>
<td class="nump">2,412<span></span>
</td>
<td class="nump">2,059<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_ValuationOfTangibleAndIntangibleAssetsMember', window );">Valuation of tangible and intangible assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxLiabilities', window );">Deferred tax liabilities</a></td>
<td class="nump">2,714<span></span>
</td>
<td class="nump">2,797<span></span>
</td>
<td class="nump">2,594<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_InvestmentsInGroupCompaniesMember', window );">Investments in Group companies</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxLiabilities', window );">Deferred tax liabilities</a></td>
<td class="nump">427<span></span>
</td>
<td class="nump">403<span></span>
</td>
<td class="nump">378<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ClassesOfDeferredTaxAssetsAxis=san_MonetizableTaxAssetsMember', window );">Monetizable</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">10,725<span></span>
</td>
<td class="nump">10,309<span></span>
</td>
<td class="nump">11,099<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ClassesOfDeferredTaxAssetsAxis=san_MonetizableTaxAssetsMember', window );">Monetizable | Temporary differences</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">10,725<span></span>
</td>
<td class="nump">10,309<span></span>
</td>
<td class="nump">11,099<span></span>
</td>
<td class="nump">&#8364; 10,660<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ClassesOfDeferredTaxAssetsAxis=san_MonetizableTaxAssetsMember', window );">Monetizable | Loan losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">8,471<span></span>
</td>
<td class="nump">7,880<span></span>
</td>
<td class="nump">8,248<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ClassesOfDeferredTaxAssetsAxis=san_MonetizableTaxAssetsMember', window );">Monetizable | Pensions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">2,254<span></span>
</td>
<td class="nump">2,429<span></span>
</td>
<td class="nump">2,851<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ClassesOfDeferredTaxAssetsAxis=san_NonMonetizableTaxAssetsMember', window );">Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">8,219<span></span>
</td>
<td class="nump">8,861<span></span>
</td>
<td class="nump">9,668<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ClassesOfDeferredTaxAssetsAxis=san_NonMonetizableTaxAssetsMember', window );">Other | Tax losses and tax credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">2,354<span></span>
</td>
<td class="nump">2,367<span></span>
</td>
<td class="nump">2,393<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ClassesOfDeferredTaxAssetsAxis=san_NonMonetizableTaxAssetsMember', window );">Other | Temporary differences</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">5,865<span></span>
</td>
<td class="nump">6,494<span></span>
</td>
<td class="nump">7,275<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ClassesOfDeferredTaxAssetsAxis=san_NonMonetizableTaxAssetsMember', window );">Other | Non-deductible provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">1,970<span></span>
</td>
<td class="nump">1,784<span></span>
</td>
<td class="nump">1,965<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ClassesOfDeferredTaxAssetsAxis=san_NonMonetizableTaxAssetsMember', window );">Other | Valuation of financial instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">810<span></span>
</td>
<td class="nump">1,486<span></span>
</td>
<td class="nump">1,543<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ClassesOfDeferredTaxAssetsAxis=san_NonMonetizableTaxAssetsMember', window );">Other | Loan losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">1,341<span></span>
</td>
<td class="nump">1,103<span></span>
</td>
<td class="nump">1,577<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ClassesOfDeferredTaxAssetsAxis=san_NonMonetizableTaxAssetsMember', window );">Other | Pensions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">426<span></span>
</td>
<td class="nump">423<span></span>
</td>
<td class="nump">665<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ClassesOfDeferredTaxAssetsAxis=san_NonMonetizableTaxAssetsMember', window );">Other | Valuation of tangible and intangible assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">&#8364; 832<span></span>
</td>
<td class="nump">&#8364; 885<span></span>
</td>
<td class="nump">&#8364; 1,060<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DeferredTaxAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amounts of income taxes recoverable in future periods in respect of: (a) deductible temporary differences; (b) the carryforward of unused tax losses; and (c) the carryforward of unused tax credits. [Refer: Temporary differences [member]; Unused tax credits [member]; Unused tax losses [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph g<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_g_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph f<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_f_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph f<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_f_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph o<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_o&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_56&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DeferredTaxAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DeferredTaxLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amounts of income taxes payable in future periods in respect of taxable temporary differences. [Refer: Temporary differences [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph g<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_g_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph f<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_f_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph f<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_f_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph o<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_o&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_56&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DeferredTaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredTaxAssetsPortionAlreadySubmittedForConversion">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The portion of deferred tax assets already submitted to taxing authorities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredTaxAssetsPortionAlreadySubmittedForConversion</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LegalEntityAxis=san_BancoPopularEspanolSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=san_BancoPopularEspanolSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_UnusedTaxLossesAndTaxCreditsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_UnusedTaxLossesAndTaxCreditsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=ifrs-full_TemporaryDifferenceMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=ifrs-full_TemporaryDifferenceMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_ValuationOfFinancialInstrumentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_ValuationOfFinancialInstrumentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_ValuationOfTangibleAndIntangibleAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_ValuationOfTangibleAndIntangibleAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_InvestmentsInGroupCompaniesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_InvestmentsInGroupCompaniesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ClassesOfDeferredTaxAssetsAxis=san_MonetizableTaxAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ClassesOfDeferredTaxAssetsAxis=san_MonetizableTaxAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_LoanLossesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_LoanLossesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_PensionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_PensionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ClassesOfDeferredTaxAssetsAxis=san_NonMonetizableTaxAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ClassesOfDeferredTaxAssetsAxis=san_NonMonetizableTaxAssetsMember</td>
</tr>
<tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Tax matters - Schedule of changes in deferred tax assets and liabilities (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets at beginning of period</a></td>
<td class="nump">&#8364; 19,170<span></span>
</td>
<td class="nump">&#8364; 20,767<span></span>
</td>
<td class="nump">&#8364; 20,787<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxIncomeRecognisedInProfitOrLoss', window );">(Charge)/Credit to income</a></td>
<td class="nump">1,107<span></span>
</td>
<td class="nump">119<span></span>
</td>
<td class="nump">629<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems', window );">Foreign currency balance translation differences and other items</a></td>
<td class="num">(102)<span></span>
</td>
<td class="num">(1,670)<span></span>
</td>
<td class="num">(130)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments', window );">(Charge)/Credit to asset and liability valuation adjustments</a></td>
<td class="num">(132)<span></span>
</td>
<td class="num">(41)<span></span>
</td>
<td class="num">(422)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxAsset', window );">Reclassification no-current asset held for sale</a></td>
<td class="num">(1,130)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxAsset', window );">Acquisition for the year (net)</a></td>
<td class="nump">31<span></span>
</td>
<td class="num">(5)<span></span>
</td>
<td class="num">(97)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets at end of period</a></td>
<td class="nump">18,944<span></span>
</td>
<td class="nump">19,170<span></span>
</td>
<td class="nump">20,767<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxLiabilities', window );">Deferred tax liabilities at beginning of period</a></td>
<td class="num">(6,276)<span></span>
</td>
<td class="num">(6,086)<span></span>
</td>
<td class="num">(6,428)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxExpenseCreditRecognisedInProfitOrLoss', window );">(Charge)/Credit to income</a></td>
<td class="num">(572)<span></span>
</td>
<td class="num">(547)<span></span>
</td>
<td class="nump">663<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxExpenseTaxLiabilityIncomeTaxExpenseRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems', window );">Foreign currency balance translation differences and other items</a></td>
<td class="nump">108<span></span>
</td>
<td class="nump">142<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxRelatingToItemsChargedCreditedDirectlyToLiabilityValuationAdjustments', window );">(Charge)/Credit to asset and liability valuation adjustments</a></td>
<td class="num">(232)<span></span>
</td>
<td class="nump">215<span></span>
</td>
<td class="num">(338)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiability', window );">Reclassification no-current asset held for sale</a></td>
<td class="nump">1,064<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiability', window );">Acquisition for the year (net)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxLiabilities', window );">Deferred tax liabilities at end of period</a></td>
<td class="num">(5,904)<span></span>
</td>
<td class="num">(6,276)<span></span>
</td>
<td class="num">(6,086)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxLiabilityAsset', window );">Deferred tax liability (asset) at beginning of period</a></td>
<td class="nump">12,894<span></span>
</td>
<td class="nump">14,681<span></span>
</td>
<td class="nump">14,359<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss', window );">(Charge)/Credit to income</a></td>
<td class="nump">535<span></span>
</td>
<td class="num">(428)<span></span>
</td>
<td class="nump">1,292<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems', window );">Foreign currency balance translation differences and other items</a></td>
<td class="nump">6<span></span>
</td>
<td class="num">(1,528)<span></span>
</td>
<td class="num">(127)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToAssetAndLiabilityValuationAdjustments', window );">(Charge)/Credit to asset and liability valuation adjustments</a></td>
<td class="num">(364)<span></span>
</td>
<td class="nump">174<span></span>
</td>
<td class="num">(760)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiabilityAsset', window );">Reclassification no-current asset held for sale</a></td>
<td class="num">(66)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset', window );">Acquisition for the year (net)</a></td>
<td class="nump">31<span></span>
</td>
<td class="num">(5)<span></span>
</td>
<td class="num">(83)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxLiabilityAsset', window );">Deferred tax liability (asset) at end of period</a></td>
<td class="nump">13,040<span></span>
</td>
<td class="nump">12,894<span></span>
</td>
<td class="nump">14,681<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ClassesOfDeferredTaxAssetsAxis=san_MonetizableTaxAssetsMember', window );">Monetizable</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets at beginning of period</a></td>
<td class="nump">10,309<span></span>
</td>
<td class="nump">11,099<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets at end of period</a></td>
<td class="nump">10,725<span></span>
</td>
<td class="nump">10,309<span></span>
</td>
<td class="nump">11,099<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_UnusedTaxLossesAndTaxCreditsMember', window );">Tax losses and tax credits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets at beginning of period</a></td>
<td class="nump">2,367<span></span>
</td>
<td class="nump">2,393<span></span>
</td>
<td class="nump">1,778<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxIncomeRecognisedInProfitOrLoss', window );">(Charge)/Credit to income</a></td>
<td class="nump">82<span></span>
</td>
<td class="nump">114<span></span>
</td>
<td class="nump">392<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems', window );">Foreign currency balance translation differences and other items</a></td>
<td class="num">(107)<span></span>
</td>
<td class="num">(139)<span></span>
</td>
<td class="nump">224<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments', window );">(Charge)/Credit to asset and liability valuation adjustments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxAsset', window );">Reclassification no-current asset held for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxAsset', window );">Acquisition for the year (net)</a></td>
<td class="nump">12<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets at end of period</a></td>
<td class="nump">2,354<span></span>
</td>
<td class="nump">2,367<span></span>
</td>
<td class="nump">2,393<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=ifrs-full_TemporaryDifferenceMember', window );">Temporary differences</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets at beginning of period</a></td>
<td class="nump">16,803<span></span>
</td>
<td class="nump">18,374<span></span>
</td>
<td class="nump">19,009<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxIncomeRecognisedInProfitOrLoss', window );">(Charge)/Credit to income</a></td>
<td class="nump">1,025<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">237<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems', window );">Foreign currency balance translation differences and other items</a></td>
<td class="nump">5<span></span>
</td>
<td class="num">(1,531)<span></span>
</td>
<td class="num">(354)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments', window );">(Charge)/Credit to asset and liability valuation adjustments</a></td>
<td class="num">(132)<span></span>
</td>
<td class="num">(41)<span></span>
</td>
<td class="num">(422)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxAsset', window );">Reclassification no-current asset held for sale</a></td>
<td class="num">(1,130)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxAsset', window );">Acquisition for the year (net)</a></td>
<td class="nump">19<span></span>
</td>
<td class="num">(4)<span></span>
</td>
<td class="num">(96)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets at end of period</a></td>
<td class="nump">16,590<span></span>
</td>
<td class="nump">16,803<span></span>
</td>
<td class="nump">18,374<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxLiabilities', window );">Deferred tax liabilities at beginning of period</a></td>
<td class="num">(6,276)<span></span>
</td>
<td class="num">(6,086)<span></span>
</td>
<td class="num">(6,428)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxExpenseCreditRecognisedInProfitOrLoss', window );">(Charge)/Credit to income</a></td>
<td class="num">(572)<span></span>
</td>
<td class="num">(547)<span></span>
</td>
<td class="nump">663<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxExpenseTaxLiabilityIncomeTaxExpenseRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems', window );">Foreign currency balance translation differences and other items</a></td>
<td class="nump">108<span></span>
</td>
<td class="nump">142<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxRelatingToItemsChargedCreditedDirectlyToLiabilityValuationAdjustments', window );">(Charge)/Credit to asset and liability valuation adjustments</a></td>
<td class="num">(232)<span></span>
</td>
<td class="nump">215<span></span>
</td>
<td class="num">(338)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiability', window );">Reclassification no-current asset held for sale</a></td>
<td class="nump">1,064<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiability', window );">Acquisition for the year (net)</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxLiabilities', window );">Deferred tax liabilities at end of period</a></td>
<td class="num">(5,904)<span></span>
</td>
<td class="num">(6,276)<span></span>
</td>
<td class="num">(6,086)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=ifrs-full_TemporaryDifferenceMember', window );">Temporary differences | Monetizable</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems', window );"><strong>Disclosure of temporary difference, unused tax losses and unused tax credits [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets at beginning of period</a></td>
<td class="nump">10,309<span></span>
</td>
<td class="nump">11,099<span></span>
</td>
<td class="nump">10,660<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxIncomeRecognisedInProfitOrLoss', window );">(Charge)/Credit to income</a></td>
<td class="nump">455<span></span>
</td>
<td class="nump">147<span></span>
</td>
<td class="nump">1,232<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems', window );">Foreign currency balance translation differences and other items</a></td>
<td class="num">(39)<span></span>
</td>
<td class="num">(937)<span></span>
</td>
<td class="num">(787)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments', window );">(Charge)/Credit to asset and liability valuation adjustments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxAsset', window );">Reclassification no-current asset held for sale</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxAsset', window );">Acquisition for the year (net)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(6)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets at end of period</a></td>
<td class="nump">&#8364; 10,725<span></span>
</td>
<td class="nump">&#8364; 10,309<span></span>
</td>
<td class="nump">&#8364; 11,099<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DeferredTaxAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amounts of income taxes recoverable in future periods in respect of: (a) deductible temporary differences; (b) the carryforward of unused tax losses; and (c) the carryforward of unused tax credits. [Refer: Temporary differences [member]; Unused tax credits [member]; Unused tax losses [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph g<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_g_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph f<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_f_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph f<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_f_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph o<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_o&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_56&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DeferredTaxAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph g<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_g_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph f<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_f_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph f<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_f_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DeferredTaxExpenseIncomeRecognisedInProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DeferredTaxLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amounts of income taxes payable in future periods in respect of taxable temporary differences. [Refer: Temporary differences [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph g<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_g_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph f<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_f_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph f<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_f_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph o<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_o&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_56&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DeferredTaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DeferredTaxLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of deferred tax liabilities or assets. [Refer: Deferred tax liabilities; Deferred tax assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph g<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_g_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph f<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_f_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph f<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_f_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DeferredTaxLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in deferred tax liability (asset) resulting from business combinations. [Refer: Deferred tax liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredTaxExpenseCreditRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of tax income or expense relating to changes in deferred tax liabilities, recognised in profit or loss.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredTaxExpenseCreditRecognisedInProfitOrLoss</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to amounts recognized from foreign currency balance translation differences and other items.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to amounts recognized from foreign currency balance translation differences and other items.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredTaxExpenseTaxLiabilityIncomeTaxExpenseRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredTaxIncomeRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of tax expense or income relating to changes in deferred tax assets, recognised in profit or loss.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredTaxIncomeRecognisedInProfitOrLoss</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredTaxRelatingToItemsChargedCreditedDirectlyToLiabilityValuationAdjustments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of deferred tax related to items charged to liability valuation adjustments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredTaxRelatingToItemsChargedCreditedDirectlyToLiabilityValuationAdjustments</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToAssetAndLiabilityValuationAdjustments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of deferred tax related to items credited (charged) to asset and liability valuation adjustments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToAssetAndLiabilityValuationAdjustments</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of deferred tax related to items credited to asset valuation adjustments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to amounts recognized from foreign currency balance translation differences and other items.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in deferred tax asset resulting from business combinations</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxAsset</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in deferred tax liability resulting from business combinations</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiability</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) Through Classified As Held For Sale, Deferred Tax Asset</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxAsset</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) Through Classified As Held For Sale, Deferred Tax Liability</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiability</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) Through Classified As Held For Sale, Deferred Tax Liability (Asset)</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughClassifiedAsHeldForSaleDeferredTaxLiabilityAsset</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ClassesOfDeferredTaxAssetsAxis=san_MonetizableTaxAssetsMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=san_UnusedTaxLossesAndTaxCreditsMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsAxis=ifrs-full_TemporaryDifferenceMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Non-controlling interests - Schedule of detail, by Group company, of non-controlling interests (Details)<br> &#8364; in Millions, &#163; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>GBP (&#163;)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Non-controlling interests</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests', window );">Non-controlling interests, excluding profit (loss) for the current period</a></td>
<td class="nump">&#8364; 8,179<span></span>
</td>
<td class="nump">&#8364; 7,556<span></span>
</td>
<td class="nump">&#8364; 7,711<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit/(loss) attributable to non-controlling interests</a></td>
<td class="nump">1,399<span></span>
</td>
<td class="nump">1,170<span></span>
</td>
<td class="nump">1,107<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="nump">9,578<span></span>
</td>
<td class="nump">8,726<span></span>
</td>
<td class="nump">8,818<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherEquityInterest', window );">Other equity interest</a></td>
<td class="nump">273<span></span>
</td>
<td class="nump">217<span></span>
</td>
<td class="nump">195<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember', window );">Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Non-controlling interests</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests', window );">Non-controlling interests, excluding profit (loss) for the current period</a></td>
<td class="nump">2,670<span></span>
</td>
<td class="nump">2,320<span></span>
</td>
<td class="nump">1,934<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit/(loss) attributable to non-controlling interests</a></td>
<td class="nump">604<span></span>
</td>
<td class="nump">413<span></span>
</td>
<td class="nump">347<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_GrupoPSAMember', window );">Grupo PSA</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Non-controlling interests</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests', window );">Non-controlling interests, excluding profit (loss) for the current period</a></td>
<td class="nump">1,815<span></span>
</td>
<td class="nump">1,725<span></span>
</td>
<td class="nump">1,590<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit/(loss) attributable to non-controlling interests</a></td>
<td class="nump">230<span></span>
</td>
<td class="nump">217<span></span>
</td>
<td class="nump">285<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderChileMember', window );">Banco Santander - Chile</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Non-controlling interests</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests', window );">Non-controlling interests, excluding profit (loss) for the current period</a></td>
<td class="nump">1,422<span></span>
</td>
<td class="nump">1,364<span></span>
</td>
<td class="nump">1,379<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit/(loss) attributable to non-controlling interests</a></td>
<td class="nump">313<span></span>
</td>
<td class="nump">271<span></span>
</td>
<td class="nump">235<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Non-controlling interests</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests', window );">Non-controlling interests, excluding profit (loss) for the current period</a></td>
<td class="nump">1,397<span></span>
</td>
<td class="nump">1,257<span></span>
</td>
<td class="nump">1,493<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit/(loss) attributable to non-controlling interests</a></td>
<td class="nump">184<span></span>
</td>
<td class="nump">233<span></span>
</td>
<td class="nump">182<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_OtherCompaniesMember', window );">Other companies</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Non-controlling interests</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests', window );">Non-controlling interests, excluding profit (loss) for the current period</a></td>
<td class="nump">875<span></span>
</td>
<td class="nump">890<span></span>
</td>
<td class="nump">1,315<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit/(loss) attributable to non-controlling interests</a></td>
<td class="nump">&#8364; 68<span></span>
</td>
<td class="nump">36<span></span>
</td>
<td class="nump">58<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | Fixed Rate Reset Perpetual AT1 Capital Securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Non-controlling interests</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherEquityInterest', window );">Other equity interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 590<span></span>
</td>
<td class="nump">&#8364; 576<span></span>
</td>
<td class="nump">&#163; 500<span></span>
</td>
</tr>
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<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of equity in a subsidiary not attributable, directly or indirectly, to a parent. [Refer: Total for all subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 10<br> -IssueDate 2025-01-01<br> -Paragraph 22<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=10&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_22&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 12<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_12_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph q<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_q&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of equity interest of an entity without share capital that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing and discontinued operations attributable to non-controlling interests. [Refer: Profit (loss); Non-controlling interests]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 12<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_12_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81B<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81B_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToNoncontrollingInterests</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of equity in a subsidiary not attributable, directly or indirectly, to a parent excluding the profit (loss) attributable to non-controlling interests for the current period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_GrupoPSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_GrupoPSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderChileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderChileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_OtherCompaniesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_OtherCompaniesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComponentsOfEquityAxis=san_FixedRateResetPerpetualATOneCapitalSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComponentsOfEquityAxis=san_FixedRateResetPerpetualATOneCapitalSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
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</body>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Non-controlling interests - Schedule of changes in non-controlling interests (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 02, 2025</div></th>
<th class="th"><div>Sep. 10, 2024</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Non-controlling interests</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at beginning of period</a></td>
<td class="nump">&#8364; 107,327<span></span>
</td>
<td class="nump">&#8364; 104,241<span></span>
</td>
<td class="nump">&#8364; 97,585<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncome', window );">Other comprehensive income</a></td>
<td class="nump">13,642<span></span>
</td>
<td class="nump">11,405<span></span>
</td>
<td class="nump">12,797<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit attributable to non-controlling interests</a></td>
<td class="nump">1,399<span></span>
</td>
<td class="nump">1,170<span></span>
</td>
<td class="nump">1,107<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary', window );">Change of perimeter</a></td>
<td class="num">(5)<span></span>
</td>
<td class="num">(8)<span></span>
</td>
<td class="num">(364)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at end of period</a></td>
<td class="nump">112,748<span></span>
</td>
<td class="nump">107,327<span></span>
</td>
<td class="nump">104,241<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember', window );">Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Non-controlling interests</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit attributable to non-controlling interests</a></td>
<td class="nump">604<span></span>
</td>
<td class="nump">413<span></span>
</td>
<td class="nump">347<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SharesSoldPercentageOfShareCapital', window );">Percentage of share capital</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.50%<span></span>
</td>
<td class="nump">5.20%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComponentsOfEquityAxis=ifrs-full_NoncontrollingInterestsMember', window );">Non-Controlling interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Non-controlling interests</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at beginning of period</a></td>
<td class="nump">8,726<span></span>
</td>
<td class="nump">8,818<span></span>
</td>
<td class="nump">8,481<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity at end of period</a></td>
<td class="nump">9,578<span></span>
</td>
<td class="nump">8,726<span></span>
</td>
<td class="nump">8,818<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComponentsOfEquityAxis=san_NonControllingInterestsOtherComprehensiveIncomeMember', window );">Non-controlling interest, other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Non-controlling interests</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncome', window );">Other comprehensive income</a></td>
<td class="nump">73<span></span>
</td>
<td class="num">(461)<span></span>
</td>
<td class="nump">297<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComponentsOfEquityAxis=san_NonControllingInterestsOtherElementsMember', window );">Non-controlling interest, other elements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Non-controlling interests</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInNonControllingInterestExcludingOtherComprehensiveIncome', window );">Other</a></td>
<td class="nump">779<span></span>
</td>
<td class="nump">369<span></span>
</td>
<td class="nump">40<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit attributable to non-controlling interests</a></td>
<td class="nump">1,399<span></span>
</td>
<td class="nump">1,170<span></span>
</td>
<td class="nump">1,107<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInNonControllingInterestModificationOfParticipationRates', window );">Modification of participation rates</a></td>
<td class="nump">339<span></span>
</td>
<td class="nump">395<span></span>
</td>
<td class="num">(258)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary', window );">Change of perimeter</a></td>
<td class="num">(5)<span></span>
</td>
<td class="num">(8)<span></span>
</td>
<td class="num">(364)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsPaidToNoncontrollingInterests', window );">Dividends paid to minority shareholders</a></td>
<td class="num">(896)<span></span>
</td>
<td class="num">(660)<span></span>
</td>
<td class="num">(748)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseDueToChangesInCapitalAndOtherChanges', window );">Changes in capital and others concepts</a></td>
<td class="num">&#8364; (58)<span></span>
</td>
<td class="num">(528)<span></span>
</td>
<td class="nump">&#8364; 303<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComponentsOfEquityAxis=san_FixedRateResetPerpetualATOneCapitalSecuritiesMember', window );">Fixed Rate Reset Perpetual AT1 Capital Securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Non-controlling interests</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AmortisationOfOtherEquityInstruments', window );">Amortisation of other equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 590<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of change in equity resulting from transactions and other events, other than those changes resulting from transactions with owners in their capacity as owners.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause ix<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_ix&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DividendsPaidToNoncontrollingInterests">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of dividends paid to non-controlling interests. [Refer: Non-controlling interests]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_a&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DividendsPaidToNoncontrollingInterests</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Equity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of residual interest in the assets of the entity after deducting all its liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI 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19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Equity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in equity resulting from the acquisition of subsidiaries. [Refer: Total for all subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing and discontinued operations attributable to non-controlling interests. [Refer: Profit (loss); Non-controlling interests]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 12<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_12_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81B<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81B_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToNoncontrollingInterests</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AmortisationOfOtherEquityInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortisation Of Other Equity Instruments</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AmortisationOfOtherEquityInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseDueToChangesInCapitalAndOtherChanges">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in equity resulting from changes in capital and other changes that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseDueToChangesInCapitalAndOtherChanges</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseInNonControllingInterestExcludingOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase in noncontrolling interest resulting from changes other than other comprehensive income.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseInNonControllingInterestExcludingOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseInNonControllingInterestModificationOfParticipationRates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in noncontrolling interest due to modification of participation rates.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseInNonControllingInterestModificationOfParticipationRates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SharesSoldPercentageOfShareCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Shares Sold, Percentage of Share Capital</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SharesSoldPercentageOfShareCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComponentsOfEquityAxis=ifrs-full_NoncontrollingInterestsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComponentsOfEquityAxis=ifrs-full_NoncontrollingInterestsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComponentsOfEquityAxis=san_NonControllingInterestsOtherComprehensiveIncomeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComponentsOfEquityAxis=san_NonControllingInterestsOtherComprehensiveIncomeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComponentsOfEquityAxis=san_NonControllingInterestsOtherElementsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComponentsOfEquityAxis=san_NonControllingInterestsOtherElementsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComponentsOfEquityAxis=san_FixedRateResetPerpetualATOneCapitalSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComponentsOfEquityAxis=san_FixedRateResetPerpetualATOneCapitalSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Non-controlling interests - Schedule of financial information on the subsidiaries with significant non-controlling interests (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Non-controlling interests</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Total assets</a></td>
<td class="nump">&#8364; 1,867,515<span></span>
</td>
<td class="nump">&#8364; 1,837,081<span></span>
</td>
<td class="nump">&#8364; 1,797,062<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Total liabilities</a></td>
<td class="nump">1,754,767<span></span>
</td>
<td class="nump">1,729,754<span></span>
</td>
<td class="nump">1,692,821<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Total profit</a></td>
<td class="nump">15,500<span></span>
</td>
<td class="nump">&#8364; 13,744<span></span>
</td>
<td class="nump">&#8364; 12,183<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_SantanderBankPolskaSAMember', window );">Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Non-controlling interests</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Total assets</a></td>
<td class="nump">78,186<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Total liabilities</a></td>
<td class="nump">70,380<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NetAssetsLiabilities', window );">Net assets</a></td>
<td class="nump">7,806<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Revenue', window );">Total income</a></td>
<td class="nump">3,724<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Total profit</a></td>
<td class="nump">1,528<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Non-controlling interests</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Total assets</a></td>
<td class="nump">209,453<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Total liabilities</a></td>
<td class="nump">193,380<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NetAssetsLiabilities', window );">Net assets</a></td>
<td class="nump">16,073<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Revenue', window );">Total income</a></td>
<td class="nump">12,602<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Total profit</a></td>
<td class="nump">2,388<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_BancoSantanderChileMember', window );">Banco Santander - Chile</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Non-controlling interests</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Total assets</a></td>
<td class="nump">68,205<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Total liabilities</a></td>
<td class="nump">62,604<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NetAssetsLiabilities', window );">Net assets</a></td>
<td class="nump">5,601<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Revenue', window );">Total income</a></td>
<td class="nump">2,714<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Total profit</a></td>
<td class="nump">1,043<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_GrupoPSAMember', window );">Grupo PSA</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems', window );"><strong>Non-controlling interests</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Total assets</a></td>
<td class="nump">47,826<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Total liabilities</a></td>
<td class="nump">43,717<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NetAssetsLiabilities', window );">Net assets</a></td>
<td class="nump">4,109<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Revenue', window );">Total income</a></td>
<td class="nump">1,305<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Total profit</a></td>
<td class="nump">&#8364; 460<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a present economic resource controlled by the entity as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfSignificantInvestmentsInSubsidiariesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Liabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a present obligation of the entity to transfer an economic resource as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NetAssetsLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets less the amount of liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph IG63<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_IG63&amp;doctype=Implementation%20Guidance<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NetAssetsLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses from continuing and discontinued operations, excluding the components of other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 113<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Revenue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 34<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_34&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_v&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Revenue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LegalEntityAxis=san_SantanderBankPolskaSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=san_SantanderBankPolskaSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LegalEntityAxis=san_BancoSantanderBrasilSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=san_BancoSantanderBrasilSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LegalEntityAxis=san_BancoSantanderChileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=san_BancoSantanderChileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LegalEntityAxis=san_GrupoPSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=san_GrupoPSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Other comprehensive income - Schedule of components of other comprehensive income (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfOtherComprehensiveIncomeAbstract', window );"><strong>Disclosure Of Other Comprehensive Income [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedOtherComprehensiveIncome', window );">OTHER COMPREHENSIVE INCOME OR LOSS</a></td>
<td class="num">&#8364; (37,974)<span></span>
</td>
<td class="num">&#8364; (36,595)<span></span>
</td>
<td class="num">&#8364; (35,020)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss', window );">ITEMS THAT WILL NOT BE RECLASSIFIED TO PROFIT OR LOSS:</a></td>
<td class="num">(4,121)<span></span>
</td>
<td class="num">(4,757)<span></span>
</td>
<td class="num">(5,212)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfRemeasurementsOfDefinedBenefitPlans', window );">Actuarial gains and losses on defined benefit pension plans</a></td>
<td class="num">(3,896)<span></span>
</td>
<td class="num">(4,404)<span></span>
</td>
<td class="num">(4,324)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss', window );">Non-current assets held for sale</a></td>
<td class="nump">56<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities', window );">Share in other income and expenses recognised in investments, joint ventures and associates</a></td>
<td class="nump">1<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax', window );">Other valuation adjustments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments', window );">Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income</a></td>
<td class="num">(250)<span></span>
</td>
<td class="num">(432)<span></span>
</td>
<td class="num">(776)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Inefficiency of fair value hedges of equity instruments measured at fair value with changes in other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem', window );">Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income (hedged item)</a></td>
<td class="nump">208<span></span>
</td>
<td class="nump">284<span></span>
</td>
<td class="nump">264<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument', window );">Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income (hedging instrument)</a></td>
<td class="num">(208)<span></span>
</td>
<td class="num">(284)<span></span>
</td>
<td class="num">(264)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability', window );">Changes in the fair value of financial liabilities measured at fair value through profit or loss attributable to changes in credit risk</a></td>
<td class="num">(32)<span></span>
</td>
<td class="nump">80<span></span>
</td>
<td class="num">(113)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss', window );">ITEMS THAT MAY BE RECLASSIFIED TO PROFIT OR LOSS:</a></td>
<td class="num">(33,853)<span></span>
</td>
<td class="num">(31,838)<span></span>
</td>
<td class="num">(29,808)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments', window );">Hedges of net investments in foreign operations (Effective portion)</a></td>
<td class="num">(7,343)<span></span>
</td>
<td class="num">(8,002)<span></span>
</td>
<td class="num">(8,684)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Exchange differences</a></td>
<td class="num">(25,475)<span></span>
</td>
<td class="num">(22,375)<span></span>
</td>
<td class="num">(19,510)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfCashFlowHedges', window );">Hedging derivatives. Cash flow hedges (Effective portion)</a></td>
<td class="nump">333<span></span>
</td>
<td class="num">(298)<span></span>
</td>
<td class="num">(740)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Changes in the fair value of debt instruments measured at fair value with changes in other comprehensive income</a></td>
<td class="num">(372)<span></span>
</td>
<td class="num">(736)<span></span>
</td>
<td class="num">(555)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated', window );">Hedging instruments (items not designated)</a></td>
<td class="num">(11)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReservesNonCurrentAssetsHeldForSaleThatMayBeReclassifiedToProfitOrLossNetOfTax', window );">Non-current assets classified as held for sale</a></td>
<td class="num">(590)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities', window );">Share in other income and expenses recognised in investments, joint ventures and associates</a></td>
<td class="num">&#8364; (395)<span></span>
</td>
<td class="num">&#8364; (427)<span></span>
</td>
<td class="num">&#8364; (319)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AccumulatedOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReserveOfCashFlowHedges">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the accumulated portion of gain (loss) on a hedging instrument that is determined to be an effective hedge for cash flow hedges. [Refer: Cash flow hedges [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 9<br> -IssueDate 2025-01-01<br> -Paragraph 6.5.11<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=9&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_6.5.11&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReserveOfCashFlowHedges</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the accumulated change in fair value of financial liabilities attributable to change in the credit risk of the liabilities. [Refer: Credit risk [member]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing exchange differences on translation of financial statements recognised in other comprehensive income and accumulated in equity. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 21<br> -IssueDate 2025-01-01<br> -Paragraph 52<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_52_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 218<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_218_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 218<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_218_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReserveOfExchangeDifferencesOnTranslation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the reserve of gains and losses on financial assets measured at fair value through other comprehensive income. [Refer: Financial assets measured at fair value through other comprehensive income; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the accumulated gains and losses on hedging instruments that hedge investments in equity instruments that the entity has designated at fair value through other comprehensive income.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReserveOfRemeasurementsOfDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the accumulated remeasurements of defined benefit plans. [Refer: Defined benefit plans [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReserveOfRemeasurementsOfDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The portion of other recognized income and expense of investments in subsidiaries, joint ventures and associated entities that is recognised in other comprehensive income and accumulated in equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The portion of The portion of other recognized income and expense of investments in subsidiaries, joint ventures and associated entities that is recognised in other comprehensive income and may be reclassified to profit or loss.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfOtherComprehensiveIncomeAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of Other Comprehensive Income</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfOtherComprehensiveIncomeAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Hedge Ineffectiveness Measured At Fair Value Through Other Comprehensive Income</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of other reserves that may be reclassified to profit or loss that is attributable to parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of other reserves not reclassified to profit or loss that is attributable to parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Reserves, Non-Current Assets Held For Sale Not Reclassified To Profit Or Loss</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherReservesNonCurrentAssetsHeldForSaleThatMayBeReclassifiedToProfitOrLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Reserves, Non-Current Assets Held For Sale That May Be Reclassified To Profit Or Loss, Net Of Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherReservesNonCurrentAssetsHeldForSaleThatMayBeReclassifiedToProfitOrLossNetOfTax</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Reserves, Other Comprehensive Income, Before Tax, Gains (Losses) On Hedged Instrument</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Reserves, Other Comprehensive Income, Before Tax, Gains (Losses) On Hedged Item</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Reserves, Other Comprehensive Income, Before Tax, Hedging Instruments Not Designated</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Valuation Adjustments, Not Reclassified To Profit Or Loss, Net Of Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other comprehensive income - Narrative (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans', window );">Actuarial gains and losses on defined benefit pension plans</a></td>
<td class="nump">&#8364; 73<span></span>
</td>
<td class="nump">&#8364; 584<span></span>
</td>
<td class="nump">&#8364; 1,038<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions', window );">Changes in value recognised in equity</a></td>
<td class="nump">220<span></span>
</td>
<td class="nump">643<span></span>
</td>
<td class="nump">944<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromMiscellaneousOtherChanges', window );">Decrease due to other modification</a></td>
<td class="nump">147<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss', window );">Foreign exchange gain (loss)</a></td>
<td class="nump">407<span></span>
</td>
<td class="num">(216)<span></span>
</td>
<td class="num">(22)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9', window );">Impairment loss (reversal)</a></td>
<td class="nump">12,546<span></span>
</td>
<td class="nump">12,136<span></span>
</td>
<td class="nump">12,298<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Exchange differences</a></td>
<td class="num">(25,475)<span></span>
</td>
<td class="num">(22,375)<span></span>
</td>
<td class="num">(19,510)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_InvestmentsAccountedForUsingEquityMethodMember', window );">Equity Investments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Exchange differences</a></td>
<td class="nump">394<span></span>
</td>
<td class="nump">428<span></span>
</td>
<td class="nump">318<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationNetOfTax', window );">Reclassification adjustments on exchange differences on translation of foreign operations, net of tax</a></td>
<td class="nump">17<span></span>
</td>
<td class="nump">45<span></span>
</td>
<td class="nump">44<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9', window );">Impairment loss (reversal)</a></td>
<td class="nump">29<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="nump">24<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfIntangibleAssetsAndGoodwillAxis=ifrs-full_GoodwillMember', window );">Goodwill</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss', window );">Foreign exchange gain (loss)</a></td>
<td class="num">(287)<span></span>
</td>
<td class="num">(568)<span></span>
</td>
<td class="nump">249<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">United Kingdom</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans', window );">Actuarial gains and losses on defined benefit pension plans</a></td>
<td class="num">(117)<span></span>
</td>
<td class="num">&#8364; (475)<span></span>
</td>
<td class="num">&#8364; (687)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in accumulated actuarial losses/profits</a></td>
<td class="nump">&#8364; 117<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfDiscountRates', window );">Annual discount rate</a></td>
<td class="nump">5.58%<span></span>
</td>
<td class="nump">5.54%<span></span>
</td>
<td class="nump">4.63%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherMaterialActuarialAssumptions', window );">Other material actuarial assumptions</a></td>
<td class="nump">2.90%<span></span>
</td>
<td class="nump">3.11%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreases', window );">Annual social security pension increase rate</a></td>
<td class="nump">2.78%<span></span>
</td>
<td class="nump">3.04%<span></span>
</td>
<td class="nump">2.96%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in accumulated actuarial losses/profits</a></td>
<td class="nump">&#8364; 116<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreases', window );">Annual social security pension increase rate</a></td>
<td class="nump">10.65%<span></span>
</td>
<td class="nump">10.58%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfMedicalCostTrendRates', window );">Actuarial assumption of medical cost trend rates</a></td>
<td class="nump">10.52%<span></span>
</td>
<td class="nump">10.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans', window );">Actuarial gains and losses on defined benefit pension plans</a></td>
<td class="nump">&#8364; 33<span></span>
</td>
<td class="num">&#8364; (21)<span></span>
</td>
<td class="num">&#8364; (10)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in accumulated actuarial losses/profits</a></td>
<td class="num">&#8364; (33)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialAssumptionOfDiscountRates', window );">Annual discount rate</a></td>
<td class="nump">3.75%<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherRegionsMember', window );">Other Regions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset', window );">Decrease (increase) in accumulated actuarial losses/profits</a></td>
<td class="nump">&#8364; 20<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ActuarialAssumptionOfDiscountRates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The discount rate used as the significant actuarial assumption to determine the present value of a defined benefit obligation. [Refer: Defined benefit obligation, at present value; Actuarial assumptions [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 144<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_144&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialAssumptionOfDiscountRates</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The expected rate of increases in pension that is used as a significant actuarial assumption to determine the present value of a defined benefit obligation. [Refer: Defined benefit plans [domain]; Defined benefit obligation, at present value; Actuarial assumptions [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 144<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_144&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialAssumptionOfExpectedRatesOfPensionIncreases</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Medical cost trend rate used as significant actuarial assumption to determine the present value of a defined benefit obligation. [Refer: Defined benefit obligation, at present value; Actuarial assumptions [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 144<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_144&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialAssumptionOfMedicalCostTrendRates</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in a net defined benefit liability (asset) resulting from actuarial gains (losses) arising from changes in financial assumptions that result in remeasurements of the net defined benefit liability (asset). Financial assumptions deal with items such as: (a) the discount rate; (b) benefit levels, excluding any cost of the benefits to be met by employees, and future salary; (c) in the case of medical benefits, future medical costs, including claim handling costs (ie the costs that will be incurred in processing and resolving claims, including legal and adjuster's fees); and (d) taxes payable by the plan on contributions relating to service before the reporting date or on benefits resulting from that service. [Refer: Net defined benefit liability (asset)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -Subparagraph c<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141_c_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of exchange differences recognised in profit or loss that arise from foreign currency transactions, excluding those arising on financial instruments measured at fair value through profit or loss in accordance with IFRS 9. [Refer: At fair value [member]; Classes of financial instruments [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 21<br> -IssueDate 2025-01-01<br> -Paragraph 52<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_52_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 218<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_218_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 218<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_218_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_35&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of impairment loss, impairment gain or reversal of impairment loss that is recognised in profit or loss in accordance with paragraph 5.5.8 of IFRS 9 and that arises from applying the impairment requirements in Section 5.5 of IFRS 9.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph ba<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_ba&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromMiscellaneousOtherChanges">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the net defined benefit liability (asset) resulting from miscellaneous other changes. [Refer: Net defined benefit liability (asset); Increase (decrease) in net defined benefit liability (asset) resulting from expense (income) in profit or loss; Decrease (increase) in net defined benefit liability (asset) resulting from gain (loss) on remeasurement in other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 141<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_141&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromMiscellaneousOtherChanges</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, related to gains (losses) on remeasurements of defined benefit plans, which comprise actuarial gains and losses; the return on plan assets, excluding amounts included in net interest on the net defined benefit liability (asset); and any change in the effect of the asset ceiling, excluding amounts included in net interest on the net defined benefit liability (asset). [Refer: Other comprehensive income; Defined benefit plans [domain]; Plan assets [member]; Net defined benefit liability (asset)] [Contrast: Decrease (increase) in net defined benefit liability (asset) resulting from gain (loss) on remeasurement in other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 135<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_135_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Any other material assumption used as a significant actuarial assumption to determine the present value of a defined benefit obligation. [Refer: Actuarial assumptions [domain]; Defined benefit obligation, at present value]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 144<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_144&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherMaterialActuarialAssumptions</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of reclassification adjustments related to exchange differences when the financial statements of foreign operations are translated, net of tax. Reclassification adjustments are amounts reclassified to profit (loss) in the current period that were recognised in other comprehensive income in the current or previous periods. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 21<br> -IssueDate 2025-01-01<br> -Paragraph 48<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_48&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 92<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_92&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationNetOfTax</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing exchange differences on translation of financial statements recognised in other comprehensive income and accumulated in equity. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 21<br> -IssueDate 2025-01-01<br> -Paragraph 52<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_52_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 218<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_218_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 218<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_218_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReserveOfExchangeDifferencesOnTranslation</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase decrease in provisions due to changes in value recognised in equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=ifrs-full_InvestmentsAccountedForUsingEquityMethodMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Other comprehensive income - Schedule of changes in fair value of equity instruments that will not be reclassified (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments', window );">Net gains/losses by valuation</a></td>
<td class="num">&#8364; (250)<span></span>
</td>
<td class="num">&#8364; (432)<span></span>
</td>
<td class="num">&#8364; (776)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">74,612<span></span>
</td>
<td class="nump">89,898<span></span>
</td>
<td class="nump">83,308<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember', window );">Equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains', window );">Capital gains by valuation</a></td>
<td class="nump">1,158<span></span>
</td>
<td class="nump">967<span></span>
</td>
<td class="nump">535<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses', window );">Capital losses by valuation</a></td>
<td class="num">(1,408)<span></span>
</td>
<td class="num">(1,399)<span></span>
</td>
<td class="num">(1,311)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments', window );">Net gains/losses by valuation</a></td>
<td class="num">(250)<span></span>
</td>
<td class="num">(432)<span></span>
</td>
<td class="num">(776)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">2,281<span></span>
</td>
<td class="nump">2,193<span></span>
</td>
<td class="nump">1,761<span></span>
</td>
<td class="nump">&#8364; 1,941<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_EquityInstrumentsDomesticMember', window );">Domestic | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains', window );">Capital gains by valuation</a></td>
<td class="nump">47<span></span>
</td>
<td class="nump">39<span></span>
</td>
<td class="nump">32<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses', window );">Capital losses by valuation</a></td>
<td class="num">(1,326)<span></span>
</td>
<td class="num">(1,328)<span></span>
</td>
<td class="num">(1,173)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments', window );">Net gains/losses by valuation</a></td>
<td class="num">(1,279)<span></span>
</td>
<td class="num">(1,289)<span></span>
</td>
<td class="num">(1,141)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">133<span></span>
</td>
<td class="nump">117<span></span>
</td>
<td class="nump">252<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_EquityInstrumentsInternationalMember', window );">International | Rest of Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains', window );">Capital gains by valuation</a></td>
<td class="nump">75<span></span>
</td>
<td class="nump">131<span></span>
</td>
<td class="nump">117<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses', window );">Capital losses by valuation</a></td>
<td class="num">(81)<span></span>
</td>
<td class="num">(71)<span></span>
</td>
<td class="num">(71)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments', window );">Net gains/losses by valuation</a></td>
<td class="num">(6)<span></span>
</td>
<td class="nump">60<span></span>
</td>
<td class="nump">46<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">186<span></span>
</td>
<td class="nump">299<span></span>
</td>
<td class="nump">267<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_EquityInstrumentsInternationalMember', window );">International | US</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains', window );">Capital gains by valuation</a></td>
<td class="nump">23<span></span>
</td>
<td class="nump">22<span></span>
</td>
<td class="nump">16<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses', window );">Capital losses by valuation</a></td>
<td class="num">(1)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments', window );">Net gains/losses by valuation</a></td>
<td class="nump">22<span></span>
</td>
<td class="nump">22<span></span>
</td>
<td class="nump">16<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">36<span></span>
</td>
<td class="nump">24<span></span>
</td>
<td class="nump">19<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_EquityInstrumentsInternationalMember', window );">International | Latin America and rest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains', window );">Capital gains by valuation</a></td>
<td class="nump">1,013<span></span>
</td>
<td class="nump">775<span></span>
</td>
<td class="nump">370<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses', window );">Capital losses by valuation</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(67)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments', window );">Net gains/losses by valuation</a></td>
<td class="nump">1,013<span></span>
</td>
<td class="nump">775<span></span>
</td>
<td class="nump">303<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">1,926<span></span>
</td>
<td class="nump">1,753<span></span>
</td>
<td class="nump">1,223<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ListedMember', window );">Publicly listed</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains', window );">Capital gains by valuation</a></td>
<td class="nump">1,033<span></span>
</td>
<td class="nump">779<span></span>
</td>
<td class="nump">316<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses', window );">Capital losses by valuation</a></td>
<td class="num">(49)<span></span>
</td>
<td class="num">(51)<span></span>
</td>
<td class="num">(118)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments', window );">Net gains/losses by valuation</a></td>
<td class="nump">985<span></span>
</td>
<td class="nump">728<span></span>
</td>
<td class="nump">198<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">1,993<span></span>
</td>
<td class="nump">1,780<span></span>
</td>
<td class="nump">1,225<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_UnlistedMember', window );">Non publicly listed</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains', window );">Capital gains by valuation</a></td>
<td class="nump">125<span></span>
</td>
<td class="nump">188<span></span>
</td>
<td class="nump">219<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses', window );">Capital losses by valuation</a></td>
<td class="num">(1,359)<span></span>
</td>
<td class="num">(1,348)<span></span>
</td>
<td class="num">(1,193)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
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<td class="num">(1,235)<span></span>
</td>
<td class="num">(1,160)<span></span>
</td>
<td class="num">(974)<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
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<td class="nump">&#8364; 288<span></span>
</td>
<td class="nump">&#8364; 413<span></span>
</td>
<td class="nump">&#8364; 536<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The portion of the reserve of gains and losses from investments in equity instruments that represents accumulated revaluation gains.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The portion of the reserve of gains and losses from investments in equity instruments that represents accumulated revaluation losses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Other comprehensive income - Schedule of exchange differences included in other comprehensive income that may be reclassified to profit or loss, by country (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
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<td class="num">&#8364; (32,818)<span></span>
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<td class="num">&#8364; (30,377)<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_BRL', window );">Brazilian real</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="num">(19,412)<span></span>
</td>
<td class="num">(19,293)<span></span>
</td>
<td class="num">(16,340)<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_MXN', window );">Mexican peso</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Items that may be reclassified to profit or loss</strong></a></td>
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</td>
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<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation', window );">Reserve of hedge of net investments in foreign operations and exchange differences on translation</a></td>
<td class="num">(4,137)<span></span>
</td>
<td class="num">(3,995)<span></span>
</td>
<td class="num">(2,942)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_GBP', window );">Pound sterling</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Items that may be reclassified to profit or loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation', window );">Reserve of hedge of net investments in foreign operations and exchange differences on translation</a></td>
<td class="num">(4,125)<span></span>
</td>
<td class="num">(3,444)<span></span>
</td>
<td class="num">(3,964)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_CLP', window );">Chilean peso</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Items that may be reclassified to profit or loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation', window );">Reserve of hedge of net investments in foreign operations and exchange differences on translation</a></td>
<td class="num">(2,926)<span></span>
</td>
<td class="num">(2,857)<span></span>
</td>
<td class="num">(2,531)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_ARS', window );">Argentine peso</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Items that may be reclassified to profit or loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation', window );">Reserve of hedge of net investments in foreign operations and exchange differences on translation</a></td>
<td class="num">(2,217)<span></span>
</td>
<td class="num">(2,090)<span></span>
</td>
<td class="num">(2,655)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_PLN', window );">Polish zloty</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Items that may be reclassified to profit or loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation', window );">Reserve of hedge of net investments in foreign operations and exchange differences on translation</a></td>
<td class="num">(43)<span></span>
</td>
<td class="num">(709)<span></span>
</td>
<td class="num">(786)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_USD', window );">US dollar</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Items that may be reclassified to profit or loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation', window );">Reserve of hedge of net investments in foreign operations and exchange differences on translation</a></td>
<td class="nump">1,047<span></span>
</td>
<td class="nump">2,923<span></span>
</td>
<td class="nump">1,819<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=san_OtherCurrenciesMember', window );">Other currencies</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Items that may be reclassified to profit or loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation', window );">Reserve of hedge of net investments in foreign operations and exchange differences on translation</a></td>
<td class="num">&#8364; (1,005)<span></span>
</td>
<td class="num">&#8364; (912)<span></span>
</td>
<td class="num">&#8364; (795)<span></span>
</td>
</tr>
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<div style="display: none;">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing hedges of net investments in foreign operations, effective portion, and exchange differences on translation of financial statements of foreign operations recognised in other comprehensive income and accumulated in equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other comprehensive income - Schedule of exchange differences included in other comprehensive income that may be reclassified to profit or loss, by currency (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="num">&#8364; (22,375)<span></span>
</td>
<td class="num">&#8364; (19,510)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Balance at end of year</a></td>
<td class="num">(25,475)<span></span>
</td>
<td class="num">(22,375)<span></span>
</td>
<td class="num">&#8364; (19,510)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss', window );">Movement</a></td>
<td class="nump">407<span></span>
</td>
<td class="num">(216)<span></span>
</td>
<td class="num">(22)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_GrupoSantanderMember', window );">Grupo Santander</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Items that may be reclassified to profit or loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Balance at beginning of year</a></td>
<td class="num">(22,375)<span></span>
</td>
<td class="num">(19,510)<span></span>
</td>
<td class="num">(20,420)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Balance at end of year</a></td>
<td class="num">(25,475)<span></span>
</td>
<td class="num">(22,375)<span></span>
</td>
<td class="num">(19,510)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss', window );">Movement</a></td>
<td class="num">(3,100)<span></span>
</td>
<td class="num">(2,865)<span></span>
</td>
<td class="nump">910<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossGoodwill', window );">From goodwill</a></td>
<td class="num">(287)<span></span>
</td>
<td class="num">(568)<span></span>
</td>
<td class="nump">249<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossResults', window );">From results</a></td>
<td class="num">(52)<span></span>
</td>
<td class="num">(295)<span></span>
</td>
<td class="nump">37<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossNetAssets', window );">From net assets</a></td>
<td class="num">(2,976)<span></span>
</td>
<td class="num">(2,002)<span></span>
</td>
<td class="nump">624<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossTransfers', window );">From transfers</a></td>
<td class="nump">215<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_BRL', window );">Brazilian real | Grupo Santander</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Items that may be reclassified to profit or loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Balance at beginning of year</a></td>
<td class="num">(16,664)<span></span>
</td>
<td class="num">(13,287)<span></span>
</td>
<td class="num">(14,199)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Balance at end of year</a></td>
<td class="num">(16,755)<span></span>
</td>
<td class="num">(16,664)<span></span>
</td>
<td class="num">(13,287)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss', window );">Movement</a></td>
<td class="num">(91)<span></span>
</td>
<td class="num">(3,377)<span></span>
</td>
<td class="nump">912<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossGoodwill', window );">From goodwill</a></td>
<td class="num">(13)<span></span>
</td>
<td class="num">(631)<span></span>
</td>
<td class="nump">191<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossResults', window );">From results</a></td>
<td class="num">(41)<span></span>
</td>
<td class="num">(206)<span></span>
</td>
<td class="nump">11<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossNetAssets', window );">From net assets</a></td>
<td class="num">(37)<span></span>
</td>
<td class="num">(2,540)<span></span>
</td>
<td class="nump">710<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossTransfers', window );">From transfers</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_GBP', window );">Pound sterling | Grupo Santander</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Items that may be reclassified to profit or loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Balance at beginning of year</a></td>
<td class="num">(3,300)<span></span>
</td>
<td class="num">(4,064)<span></span>
</td>
<td class="num">(4,446)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Balance at end of year</a></td>
<td class="num">(4,126)<span></span>
</td>
<td class="num">(3,300)<span></span>
</td>
<td class="num">(4,064)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss', window );">Movement</a></td>
<td class="num">(826)<span></span>
</td>
<td class="nump">764<span></span>
</td>
<td class="nump">382<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossGoodwill', window );">From goodwill</a></td>
<td class="num">(48)<span></span>
</td>
<td class="nump">39<span></span>
</td>
<td class="nump">20<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossResults', window );">From results</a></td>
<td class="num">(18)<span></span>
</td>
<td class="nump">22<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossNetAssets', window );">From net assets</a></td>
<td class="num">(760)<span></span>
</td>
<td class="nump">703<span></span>
</td>
<td class="nump">358<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossTransfers', window );">From transfers</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_MXN', window );">Mexican peso | Grupo Santander</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Items that may be reclassified to profit or loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Balance at beginning of year</a></td>
<td class="num">(1,437)<span></span>
</td>
<td class="num">(64)<span></span>
</td>
<td class="num">(1,132)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Balance at end of year</a></td>
<td class="num">(1,222)<span></span>
</td>
<td class="num">(1,437)<span></span>
</td>
<td class="num">(64)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss', window );">Movement</a></td>
<td class="nump">215<span></span>
</td>
<td class="num">(1,373)<span></span>
</td>
<td class="nump">1,068<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossGoodwill', window );">From goodwill</a></td>
<td class="nump">11<span></span>
</td>
<td class="num">(82)<span></span>
</td>
<td class="nump">62<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossResults', window );">From results</a></td>
<td class="nump">40<span></span>
</td>
<td class="num">(136)<span></span>
</td>
<td class="nump">41<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossNetAssets', window );">From net assets</a></td>
<td class="nump">164<span></span>
</td>
<td class="num">(1,155)<span></span>
</td>
<td class="nump">965<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossTransfers', window );">From transfers</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_ARS', window );">Argentine peso | Grupo Santander</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Items that may be reclassified to profit or loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Balance at beginning of year</a></td>
<td class="num">(2,090)<span></span>
</td>
<td class="num">(2,658)<span></span>
</td>
<td class="num">(1,754)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Balance at end of year</a></td>
<td class="num">(2,216)<span></span>
</td>
<td class="num">(2,090)<span></span>
</td>
<td class="num">(2,658)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss', window );">Movement</a></td>
<td class="num">(126)<span></span>
</td>
<td class="nump">568<span></span>
</td>
<td class="num">(904)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossGoodwill', window );">From goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(4)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossResults', window );">From results</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossNetAssets', window );">From net assets</a></td>
<td class="num">(126)<span></span>
</td>
<td class="nump">568<span></span>
</td>
<td class="num">(900)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossTransfers', window );">From transfers</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_CLP', window );">Chilean peso | Grupo Santander</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Items that may be reclassified to profit or loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Balance at beginning of year</a></td>
<td class="num">(2,180)<span></span>
</td>
<td class="num">(1,890)<span></span>
</td>
<td class="num">(1,605)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Balance at end of year</a></td>
<td class="num">(2,249)<span></span>
</td>
<td class="num">(2,180)<span></span>
</td>
<td class="num">(1,890)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss', window );">Movement</a></td>
<td class="num">(69)<span></span>
</td>
<td class="num">(290)<span></span>
</td>
<td class="num">(285)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossGoodwill', window );">From goodwill</a></td>
<td class="num">(12)<span></span>
</td>
<td class="num">(34)<span></span>
</td>
<td class="num">(32)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossResults', window );">From results</a></td>
<td class="nump">9<span></span>
</td>
<td class="num">(7)<span></span>
</td>
<td class="num">(34)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossNetAssets', window );">From net assets</a></td>
<td class="num">(66)<span></span>
</td>
<td class="num">(249)<span></span>
</td>
<td class="num">(219)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossTransfers', window );">From transfers</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_USD', window );">US dollar | Grupo Santander</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Items that may be reclassified to profit or loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Balance at beginning of year</a></td>
<td class="nump">4,462<span></span>
</td>
<td class="nump">3,433<span></span>
</td>
<td class="nump">4,062<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Balance at end of year</a></td>
<td class="nump">2,340<span></span>
</td>
<td class="nump">4,462<span></span>
</td>
<td class="nump">3,433<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss', window );">Movement</a></td>
<td class="num">(2,122)<span></span>
</td>
<td class="nump">1,029<span></span>
</td>
<td class="num">(629)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossGoodwill', window );">From goodwill</a></td>
<td class="num">(225)<span></span>
</td>
<td class="nump">116<span></span>
</td>
<td class="num">(64)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossResults', window );">From results</a></td>
<td class="num">(48)<span></span>
</td>
<td class="nump">35<span></span>
</td>
<td class="num">(16)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossNetAssets', window );">From net assets</a></td>
<td class="num">(1,849)<span></span>
</td>
<td class="nump">878<span></span>
</td>
<td class="num">(549)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossTransfers', window );">From transfers</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=currency_PLN', window );">Polish zloty | Grupo Santander</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Items that may be reclassified to profit or loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Balance at beginning of year</a></td>
<td class="num">(202)<span></span>
</td>
<td class="num">(325)<span></span>
</td>
<td class="num">(776)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Balance at end of year</a></td>
<td class="nump">18<span></span>
</td>
<td class="num">(202)<span></span>
</td>
<td class="num">(325)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss', window );">Movement</a></td>
<td class="nump">220<span></span>
</td>
<td class="nump">123<span></span>
</td>
<td class="nump">451<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossGoodwill', window );">From goodwill</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">34<span></span>
</td>
<td class="nump">87<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossResults', window );">From results</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">32<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossNetAssets', window );">From net assets</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">84<span></span>
</td>
<td class="nump">332<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossTransfers', window );">From transfers</a></td>
<td class="nump">215<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=san_OtherCurrenciesMember', window );">Other currencies | Grupo Santander</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Items that may be reclassified to profit or loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Balance at beginning of year</a></td>
<td class="num">(964)<span></span>
</td>
<td class="num">(655)<span></span>
</td>
<td class="num">(570)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Balance at end of year</a></td>
<td class="num">(1,265)<span></span>
</td>
<td class="num">(964)<span></span>
</td>
<td class="num">(655)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss', window );">Movement</a></td>
<td class="num">(301)<span></span>
</td>
<td class="num">(309)<span></span>
</td>
<td class="num">(85)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossGoodwill', window );">From goodwill</a></td>
<td class="num">(1)<span></span>
</td>
<td class="num">(10)<span></span>
</td>
<td class="num">(11)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossResults', window );">From results</a></td>
<td class="nump">6<span></span>
</td>
<td class="num">(8)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossNetAssets', window );">From net assets</a></td>
<td class="num">(306)<span></span>
</td>
<td class="num">&#8364; (291)<span></span>
</td>
<td class="num">&#8364; (73)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeignExchangeGainLossTransfers', window );">From transfers</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of exchange differences recognised in profit or loss that arise from foreign currency transactions, excluding those arising on financial instruments measured at fair value through profit or loss in accordance with IFRS 9. [Refer: At fair value [member]; Classes of financial instruments [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 21<br> -IssueDate 2025-01-01<br> -Paragraph 52<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_52_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 218<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_218_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 218<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_218_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_35&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing exchange differences on translation of financial statements recognised in other comprehensive income and accumulated in equity. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 21<br> -IssueDate 2025-01-01<br> -Paragraph 52<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_52_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 218<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_218_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 218<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_218_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReserveOfExchangeDifferencesOnTranslation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
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<td>instant</td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ForeignExchangeGainLossGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Foreign Exchange Gain (Loss), Goodwill</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ForeignExchangeGainLossGoodwill</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ForeignExchangeGainLossNetAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Foreign Exchange Gain (Loss), Net Assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ForeignExchangeGainLossNetAssets</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ForeignExchangeGainLossResults">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Foreign Exchange Gain (Loss), Results</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ForeignExchangeGainLossResults</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ForeignExchangeGainLossTransfers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Foreign Exchange Gain (Loss), Transfers</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ForeignExchangeGainLossTransfers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LegalEntityAxis=san_GrupoSantanderMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=san_GrupoSantanderMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_BRL">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_BRL</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_GBP">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_GBP</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_MXN">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_MXN</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_ARS">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_ARS</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_CLP">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_CLP</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_USD">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_USD</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_PLN">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_PLN</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=san_OtherCurrenciesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=san_OtherCurrenciesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>347
<FILENAME>R265.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Other comprehensive income - Schedule of other comprehensive income, that may be reclassified to profit or loss, by type of instrument and geographical origin of the issuer (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Net revaluation gains/ (losses)</a></td>
<td class="num">&#8364; (372)<span></span>
</td>
<td class="num">&#8364; (736)<span></span>
</td>
<td class="num">&#8364; (555)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Fair Value</a></td>
<td class="nump">74,612<span></span>
</td>
<td class="nump">89,898<span></span>
</td>
<td class="nump">83,308<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_DebtSecuritiesAndLoanAndAdvancesMember', window );">Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome', window );">Revaluation gains</a></td>
<td class="nump">533<span></span>
</td>
<td class="nump">584<span></span>
</td>
<td class="nump">667<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome', window );">Revaluation losses</a></td>
<td class="num">(905)<span></span>
</td>
<td class="num">(1,320)<span></span>
</td>
<td class="num">(1,222)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Net revaluation gains/ (losses)</a></td>
<td class="num">(372)<span></span>
</td>
<td class="num">(736)<span></span>
</td>
<td class="num">(555)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Fair Value</a></td>
<td class="nump">72,331<span></span>
</td>
<td class="nump">87,705<span></span>
</td>
<td class="nump">81,547<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_DebtInstrumentsIssuedByPublicSectorMember', window );">Issued by Public-sector | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome', window );">Revaluation gains</a></td>
<td class="nump">118<span></span>
</td>
<td class="nump">103<span></span>
</td>
<td class="nump">17<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome', window );">Revaluation losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Net revaluation gains/ (losses)</a></td>
<td class="nump">118<span></span>
</td>
<td class="nump">103<span></span>
</td>
<td class="nump">17<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Fair Value</a></td>
<td class="nump">10,142<span></span>
</td>
<td class="nump">13,764<span></span>
</td>
<td class="nump">9,867<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_DebtInstrumentsIssuedByPublicSectorMember', window );">Issued by Public-sector | Rest of Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome', window );">Revaluation gains</a></td>
<td class="nump">209<span></span>
</td>
<td class="nump">268<span></span>
</td>
<td class="nump">333<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome', window );">Revaluation losses</a></td>
<td class="num">(36)<span></span>
</td>
<td class="num">(70)<span></span>
</td>
<td class="num">(96)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Net revaluation gains/ (losses)</a></td>
<td class="nump">173<span></span>
</td>
<td class="nump">198<span></span>
</td>
<td class="nump">237<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Fair Value</a></td>
<td class="nump">8,856<span></span>
</td>
<td class="nump">15,413<span></span>
</td>
<td class="nump">18,258<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_DebtInstrumentsIssuedByPublicSectorMember', window );">Issued by Public-sector | America and rest of the world</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome', window );">Revaluation gains</a></td>
<td class="nump">109<span></span>
</td>
<td class="nump">76<span></span>
</td>
<td class="nump">194<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome', window );">Revaluation losses</a></td>
<td class="num">(528)<span></span>
</td>
<td class="num">(944)<span></span>
</td>
<td class="num">(820)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Net revaluation gains/ (losses)</a></td>
<td class="num">(419)<span></span>
</td>
<td class="num">(868)<span></span>
</td>
<td class="num">(626)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Fair Value</a></td>
<td class="nump">31,685<span></span>
</td>
<td class="nump">38,784<span></span>
</td>
<td class="nump">38,169<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_DebtInstrumentsIssuedByPrivateSectorMember', window );">Issued by Private-sector | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome', window );">Revaluation gains</a></td>
<td class="nump">29<span></span>
</td>
<td class="nump">96<span></span>
</td>
<td class="nump">98<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome', window );">Revaluation losses</a></td>
<td class="num">(53)<span></span>
</td>
<td class="num">(23)<span></span>
</td>
<td class="num">(9)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Net revaluation gains/ (losses)</a></td>
<td class="num">(24)<span></span>
</td>
<td class="nump">73<span></span>
</td>
<td class="nump">89<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Fair Value</a></td>
<td class="nump">9,745<span></span>
</td>
<td class="nump">6,019<span></span>
</td>
<td class="nump">5,129<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_DebtInstrumentsIssuedByPrivateSectorMember', window );">Issued by Private-sector | Rest of Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome', window );">Revaluation gains</a></td>
<td class="nump">28<span></span>
</td>
<td class="nump">25<span></span>
</td>
<td class="nump">19<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome', window );">Revaluation losses</a></td>
<td class="num">(15)<span></span>
</td>
<td class="num">(18)<span></span>
</td>
<td class="num">(30)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Net revaluation gains/ (losses)</a></td>
<td class="nump">13<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td class="num">(11)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Fair Value</a></td>
<td class="nump">6,445<span></span>
</td>
<td class="nump">7,478<span></span>
</td>
<td class="nump">5,018<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_DebtInstrumentsIssuedByPrivateSectorMember', window );">Issued by Private-sector | America and rest of the world</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Disclosure of analysis of other comprehensive income by item [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome', window );">Revaluation gains</a></td>
<td class="nump">40<span></span>
</td>
<td class="nump">16<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome', window );">Revaluation losses</a></td>
<td class="num">(273)<span></span>
</td>
<td class="num">(265)<span></span>
</td>
<td class="num">(267)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Net revaluation gains/ (losses)</a></td>
<td class="num">(233)<span></span>
</td>
<td class="num">(249)<span></span>
</td>
<td class="num">(261)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Fair Value</a></td>
<td class="nump">&#8364; 5,458<span></span>
</td>
<td class="nump">&#8364; 6,247<span></span>
</td>
<td class="nump">&#8364; 5,106<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the reserve of gains and losses on financial assets measured at fair value through other comprehensive income. [Refer: Financial assets measured at fair value through other comprehensive income; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing accumulated gains on remeasuring available-for-sale financial assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing accumulated losses on remeasuring available-for-sale financial assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_DebtInstrumentsIssuedByPublicSectorMember</td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_EuropeExcludingSpainMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_AmericaAndRestOfTheWorldMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_AmericaAndRestOfTheWorldMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_DebtInstrumentsIssuedByPrivateSectorMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_DebtInstrumentsIssuedByPrivateSectorMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>348
<FILENAME>R266.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other comprehensive income - Schedule of changes in other comprehensive income for entities accounted for using the equity method (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Items that may be reclassified to profit or loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Exchange differences</a></td>
<td class="num">&#8364; (25,475)<span></span>
</td>
<td class="num">&#8364; (22,375)<span></span>
</td>
<td class="num">&#8364; (19,510)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_InvestmentsAccountedForUsingEquityMethodMember', window );">Equity Investments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems', window );"><strong>Items that may be reclassified to profit or loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation', window );">Exchange differences</a></td>
<td class="nump">394<span></span>
</td>
<td class="nump">428<span></span>
</td>
<td class="nump">318<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationNetOfTax', window );">Reclassification adjustments on exchange differences on translation of foreign operations, net of tax</a></td>
<td class="nump">&#8364; 17<span></span>
</td>
<td class="nump">&#8364; 45<span></span>
</td>
<td class="nump">&#8364; 44<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of reclassification adjustments related to exchange differences when the financial statements of foreign operations are translated, net of tax. Reclassification adjustments are amounts reclassified to profit (loss) in the current period that were recognised in other comprehensive income in the current or previous periods. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 21<br> -IssueDate 2025-01-01<br> -Paragraph 48<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_48&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 92<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_92&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReserveOfExchangeDifferencesOnTranslation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing exchange differences on translation of financial statements recognised in other comprehensive income and accumulated in equity. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 21<br> -IssueDate 2025-01-01<br> -Paragraph 52<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_52_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 218<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_218_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 218<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_218_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReserveOfExchangeDifferencesOnTranslation</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_InvestmentsAccountedForUsingEquityMethodMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=ifrs-full_InvestmentsAccountedForUsingEquityMethodMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<TYPE>XML
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Issued capital (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 23, 2025</div></th>
<th class="th"><div>Jun. 03, 2025</div></th>
<th class="th"><div>Dec. 20, 2024</div></th>
<th class="th"><div>Jul. 01, 2024</div></th>
<th class="th"><div>Feb. 05, 2024</div></th>
<th class="th"><div>Jun. 30, 2023</div></th>
<th class="th"><div>Mar. 21, 2023</div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfClassesOfShareCapitalLineItems', window );"><strong>Disclosure of classes of share capital [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuedCapital', window );">Capital stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 7,345,000,000<span></span>
</td>
<td class="nump">&#8364; 7,576,000,000<span></span>
</td>
<td class="nump">&#8364; 8,092,000,000<span></span>
</td>
<td class="nump">&#8364; 8,397,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfSharesOutstanding', window );">Share capital (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">14,689,319,502<span></span>
</td>
<td class="nump">15,152,492,322<span></span>
</td>
<td class="nump">16,184,146,059<span></span>
</td>
<td class="nump">16,794,401,584<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ParValuePerShare', window );">Nominal value per share (in euro per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 0.50<span></span>
</td>
<td class="nump">&#8364; 0.50<span></span>
</td>
<td class="nump">&#8364; 0.50<span></span>
</td>
<td class="nump">&#8364; 0.50<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReductionOfIssuedCapital', window );">Reduction of issued capital</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 8,000,000<span></span>
</td>
<td class="nump">&#8364; 93,000,000<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PurchaseOfTreasurySharesNumberOfShares', window );">Purchase of treasury shares (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">584,363,745<span></span>
</td>
<td class="nump">930,610,636<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CrestDepositaryInterestShareEquivalent', window );">Crest depositary interest, share equivalent (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AmericanDepositaryReceiptShareEquivalent', window );">American depositary receipt, share equivalent (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold', window );">Percentage of equity interests held by significant shareholders, minimum threshold</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfEquityInterestsHeldByASingleShareholderResidingInTaxHavenMinimumThreshold', window );">Percentage of equity interests held by a single shareholder residing in tax haven, minimum threshold</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies', window );">Number of shares owned by third parties managed by Group management companies (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">33,000,000<span></span>
</td>
<td class="nump">40,000,000<span></span>
</td>
<td class="nump">36,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital', window );">Shares owned by third parties managed by Group management companies, percentage of share capital</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.22%<span></span>
</td>
<td class="nump">0.26%<span></span>
</td>
<td class="nump">0.22%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfSharesOwnedByThirdPartiesReceivedAsSecurity', window );">Shares owned by third parties and received as security (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">28,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SharesOwnedByThirdPartiesReceivedAsSecurityAsPercentageOfTotalShareCapital', window );">Shares owned by third parties received as security, percentage of share capital</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.19%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramAxis=san_A2023ProgramMember', window );">2023 Program</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfClassesOfShareCapitalLineItems', window );"><strong>Disclosure of classes of share capital [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PurchaseOfTreasurySharesNumberOfShares', window );">Purchase of treasury shares (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">286,842,316<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_StateStreetBankMember', window );">State Street Bank</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfClassesOfShareCapitalLineItems', window );"><strong>Disclosure of classes of share capital [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfEquityInterestsHeldBySignificantShareholders', window );">Percentage of equity interests held by significant shareholders</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13.90%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_ChaseNomineesLtdMember', window );">Chase Nominees Limited</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfClassesOfShareCapitalLineItems', window );"><strong>Disclosure of classes of share capital [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfEquityInterestsHeldBySignificantShareholders', window );">Percentage of equity interests held by significant shareholders</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_BankOfNewYorkMellonCorporationMember', window );">Bank of New York Mellon Corporation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfClassesOfShareCapitalLineItems', window );"><strong>Disclosure of classes of share capital [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfEquityInterestsHeldBySignificantShareholders', window );">Percentage of equity interests held by significant shareholders</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7.18%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_CitibankMember', window );">Citibank</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfClassesOfShareCapitalLineItems', window );"><strong>Disclosure of classes of share capital [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfEquityInterestsHeldBySignificantShareholders', window );">Percentage of equity interests held by significant shareholders</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6.40%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_BNPParibasMember', window );">BNP Paribas</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfClassesOfShareCapitalLineItems', window );"><strong>Disclosure of classes of share capital [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfEquityInterestsHeldBySignificantShareholders', window );">Percentage of equity interests held by significant shareholders</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.74%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_CaceisBankMember', window );">Caceis Bank</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfClassesOfShareCapitalLineItems', window );"><strong>Disclosure of classes of share capital [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfEquityInterestsHeldBySignificantShareholders', window );">Percentage of equity interests held by significant shareholders</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.57%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LegalEntityAxis=san_TheNorthernTrustMember', window );">The Northern Trust</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfClassesOfShareCapitalLineItems', window );"><strong>Disclosure of classes of share capital [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfEquityInterestsHeldBySignificantShareholders', window );">Percentage of equity interests held by significant shareholders</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.06%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComponentsOfEquityAxis=ifrs-full_TreasurySharesMember', window );">(-) Own shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfClassesOfShareCapitalLineItems', window );"><strong>Disclosure of classes of share capital [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfSharesOutstanding', window );">Share capital (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">11,077,291<span></span>
</td>
<td class="nump">15,529,459<span></span>
</td>
<td class="nump">297,815,673<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReductionOfIssuedCapital', window );">Reduction of issued capital</a></td>
<td class="nump">&#8364; 98,002,935<span></span>
</td>
<td class="nump">&#8364; 133,583,475<span></span>
</td>
<td class="nump">&#8364; 170,890,625<span></span>
</td>
<td class="nump">&#8364; 165,652,500<span></span>
</td>
<td class="nump">&#8364; 179,283,743.5<span></span>
</td>
<td class="nump">&#8364; 134,924,476.5<span></span>
</td>
<td class="nump">&#8364; 170,203,286<span></span>
</td>
<td class="num">&#8364; (3,287,000,000)<span></span>
</td>
<td class="num">&#8364; (4,294,000,000)<span></span>
</td>
<td class="num">&#8364; (1,900,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RedemptionOfTreasurySharesShares', window );">Redemption of treasury shares, shares</a></td>
<td class="nump">196,005,870<span></span>
</td>
<td class="nump">267,166,950<span></span>
</td>
<td class="nump">341,781,250<span></span>
</td>
<td class="nump">331,305,000<span></span>
</td>
<td class="nump">358,567,487<span></span>
</td>
<td class="nump">269,848,953<span></span>
</td>
<td class="nump">340,406,572<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfClassesOfShareCapitalLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfClassesOfShareCapitalLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IssuedCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The nominal value of capital issued.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IssuedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NumberOfSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of shares that have been authorised and issued, reduced by treasury shares held. [Refer: Treasury shares]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 160<br> -Subparagraph a<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_160_a_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph a<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_a_iv&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 79<br> -Subparagraph a<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_79_a_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NumberOfSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ParValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The nominal value per share.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph a<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_a_iii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 160<br> -Subparagraph a<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_160_a_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 79<br> -Subparagraph a<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_79_a_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ParValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReductionOfIssuedCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease in equity resulting from a reduction in issued capital. [Refer: Issued capital]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReductionOfIssuedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AmericanDepositaryReceiptShareEquivalent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of entity shares equivalent to an American Depositary Receipt (BDR) listed on the New York Stock Exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AmericanDepositaryReceiptShareEquivalent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CrestDepositaryInterestShareEquivalent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of entity shares equivalent to a Crest Depositary Interest (CDI) listed on the London Stock Exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CrestDepositaryInterestShareEquivalent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of shares owned by third parties and managed by Group management companies or jointly managed.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfSharesOwnedByThirdPartiesReceivedAsSecurity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of shares owned by third parties and received as security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfSharesOwnedByThirdPartiesReceivedAsSecurity</td>
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<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageOfEquityInterestsHeldByASingleShareholderResidingInTaxHavenMinimumThreshold">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage Of Equity Interests Held By A Single Shareholder Residing In Tax Haven, Minimum Threshold</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfEquityInterestsHeldByASingleShareholderResidingInTaxHavenMinimumThreshold</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage Of Equity Interests Held By Significant Shareholders</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfEquityInterestsHeldBySignificantShareholders</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage Of Equity Interests Held By Significant Shareholders, Minimum Threshold</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>dtr-types1:percentItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PurchaseOfTreasurySharesNumberOfShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Purchase Of Treasury Shares, Number Of Shares</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PurchaseOfTreasurySharesNumberOfShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RedemptionOfTreasurySharesShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Redemption Of Treasury Shares, Shares</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RedemptionOfTreasurySharesShares</td>
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<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of shares owned by third parties and managed by Group management companies or jointly managed in relation to total share capital.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SharesOwnedByThirdPartiesReceivedAsSecurityAsPercentageOfTotalShareCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of shares owned by third parties and received as security in relation to total share capital.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SharesOwnedByThirdPartiesReceivedAsSecurityAsPercentageOfTotalShareCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ShareBuybackProgramAxis=san_A2023ProgramMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ShareBuybackProgramAxis=san_A2023ProgramMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LegalEntityAxis=san_StateStreetBankMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=san_StateStreetBankMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=san_ChaseNomineesLtdMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=san_BankOfNewYorkMellonCorporationMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=san_CitibankMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=san_BNPParibasMember</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=san_CaceisBankMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LegalEntityAxis=san_TheNorthernTrustMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Share premium (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SharePremiumAbstract', window );"><strong>Share Premium [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInNetIssuePremium', window );">Decrease in net issue premium</a></td>
<td class="nump">&#8364; 3,055<span></span>
</td>
<td class="nump">&#8364; 3,778<span></span>
</td>
<td class="nump">&#8364; 1,595<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RedemptionOfTreasurySharesPurchaseValue', window );">Redemption of treasury shares, purchase value</a></td>
<td class="nump">3,287<span></span>
</td>
<td class="nump">4,294<span></span>
</td>
<td class="nump">1,900<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RedemptionOfTreasurySharesParValue', window );">Redemption of treasury shares, par value</a></td>
<td class="nump">&#8364; 231<span></span>
</td>
<td class="nump">&#8364; 516<span></span>
</td>
<td class="nump">&#8364; 305<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseInNetIssuePremium">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) In Net Issue Premium</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseInNetIssuePremium</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RedemptionOfTreasurySharesParValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Redemption Of Treasury Shares, Par Value</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RedemptionOfTreasurySharesParValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RedemptionOfTreasurySharesPurchaseValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Redemption Of Treasury Shares, Purchase Value</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RedemptionOfTreasurySharesPurchaseValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SharePremiumAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>N/A</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SharePremiumAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accumulated retained earnings - Schedule of accumulated retained earnings and reserves of entities accounted for using the equity method (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesWithinEquityLineItems', window );"><strong>Disclosure of reserves within equity [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevaluationSurplus', window );">Revaluation reserve Royal Decree-Law 7/1996</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReservesOfSubsidiaries', window );">Reserves of subsidiaries</a></td>
<td class="nump">&#8364; 47,937<span></span>
</td>
<td class="nump">47,249<span></span>
</td>
<td class="nump">47,669<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve', window );">Percentage of share capital required to be maintained in the legal reserve</a></td>
<td class="nump">20.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_InvestmentsAccountedForUsingEquityMethodMember', window );">Equity Investments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesWithinEquityLineItems', window );"><strong>Disclosure of reserves within equity [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RestrictedReserves', window );">Restricted reserves</a></td>
<td class="nump">&#8364; 3,328<span></span>
</td>
<td class="nump">3,084<span></span>
</td>
<td class="nump">2,899<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatutoryReserve', window );">Legal reserve</a></td>
<td class="nump">1,469<span></span>
</td>
<td class="nump">1,515<span></span>
</td>
<td class="nump">1,618<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CapitalRedemptionReserve', window );">Own shares</a></td>
<td class="nump">480<span></span>
</td>
<td class="nump">421<span></span>
</td>
<td class="nump">649<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevaluationSurplus', window );">Revaluation reserve Royal Decree-Law 7/1996</a></td>
<td class="nump">43<span></span>
</td>
<td class="nump">43<span></span>
</td>
<td class="nump">43<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RetiredCapitalReserve', window );">Reserve for retired capital</a></td>
<td class="nump">1,336<span></span>
</td>
<td class="nump">1,105<span></span>
</td>
<td class="nump">589<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UnrestrictedReserves', window );">Unrestricted reserves</a></td>
<td class="nump">31,519<span></span>
</td>
<td class="nump">24,186<span></span>
</td>
<td class="nump">16,033<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VoluntaryReserve', window );">Voluntary reserves</a></td>
<td class="nump">26,357<span></span>
</td>
<td class="nump">20,362<span></span>
</td>
<td class="nump">14,284<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ConsolidationReserve', window );">Consolidation reserves attributable to the Bank</a></td>
<td class="nump">5,162<span></span>
</td>
<td class="nump">3,824<span></span>
</td>
<td class="nump">1,749<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReservesOfSubsidiaries', window );">Reserves of subsidiaries</a></td>
<td class="nump">47,937<span></span>
</td>
<td class="nump">47,249<span></span>
</td>
<td class="nump">47,669<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveForEquityMethodInvestments', window );">Reserves of entities accounted for using the equity method</a></td>
<td class="nump">1,643<span></span>
</td>
<td class="nump">1,831<span></span>
</td>
<td class="nump">1,762<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RetainedEarningsAndOtherReserves', window );">Accumulated retained earnings and other reserves</a></td>
<td class="nump">&#8364; 84,427<span></span>
</td>
<td class="nump">&#8364; 76,350<span></span>
</td>
<td class="nump">&#8364; 68,363<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CapitalRedemptionReserve">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the reserve for the redemption of the entity's own shares.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CapitalRedemptionReserve</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfReservesWithinEquityLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReservesWithinEquityLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RevaluationSurplus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the accumulated revaluation surplus on the revaluation of assets recognised in other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 38<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 39<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_39&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RevaluationSurplus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_StatutoryReserve">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing reserves created based on legal requirements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_StatutoryReserve</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ConsolidationReserve">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing reserves for consolidation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ConsolidationReserve</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of share capital required to be maintained in the legal reserve before annual required transfers can be discontinued.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ReserveForEquityMethodInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing reserves of entities accounted for using the equity method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ReserveForEquityMethodInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ReservesOfSubsidiaries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing reserves of subsidiaries.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ReservesOfSubsidiaries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RestrictedReserves">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing reserves restricted as to usage.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RestrictedReserves</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RetainedEarningsAndOtherReserves">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the entity's cumulative undistributed earnings or deficit and other reserves.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RetainedEarningsAndOtherReserves</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RetiredCapitalReserve">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing reserves for retired capital.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RetiredCapitalReserve</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_UnrestrictedReserves">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing reserves unrestricted as to usage.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_UnrestrictedReserves</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VoluntaryReserve">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing voluntary reserves.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VoluntaryReserve</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_InvestmentsAccountedForUsingEquityMethodMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=ifrs-full_InvestmentsAccountedForUsingEquityMethodMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</div>
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</DOCUMENT>
<DOCUMENT>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accumulated retained earnings - Narrative (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RetainedEarningsAbstract', window );"><strong>Retained earnings [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfAnnualNetProfitRequiredToBeTransferredToLegalReserve', window );">Percentage of annual net profit required to be transferred to the legal reserve</a></td>
<td class="nump">10.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve', window );">Percentage of share capital required to be maintained in the legal reserve before annual transfers can be discontinued</a></td>
<td class="nump">20.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MinimumPercentageOfIncreasedShareCapitalRequiredToBeMaintainedInLegalReserve', window );">Minimum percentage of increased share capital required to be maintained in the legal reserve if reserves are used to increase capital</a></td>
<td class="nump">10.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RetainedEarningsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RetainedEarningsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MinimumPercentageOfIncreasedShareCapitalRequiredToBeMaintainedInLegalReserve">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Minimum percentage of the increased share capital required to be maintained in the legal reserve if reserves are used to increase capital.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MinimumPercentageOfIncreasedShareCapitalRequiredToBeMaintainedInLegalReserve</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageOfAnnualNetProfitRequiredToBeTransferredToLegalReserve">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of annual net profit required to be transferred to the legal reserve under the Consolidated Spanish Limited Liability companies Law.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfAnnualNetProfitRequiredToBeTransferredToLegalReserve</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of share capital required to be maintained in the legal reserve before annual required transfers can be discontinued.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td>dtr-types1:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Accumulated retained earnings - Schedule of reserves of subsidiaries based on the companies' contribution to the Group (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesWithinEquityLineItems', window );"><strong>Disclosure of reserves within equity [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReservesOfSubsidiaries', window );">Reserves of subsidiaries</a></td>
<td class="nump">&#8364; 47,937<span></span>
</td>
<td class="nump">&#8364; 47,249<span></span>
</td>
<td class="nump">&#8364; 47,669<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReservesOfSubsidiariesRestricted', window );">Restricted portion of reserves of subsidiaries</a></td>
<td class="nump">4,722<span></span>
</td>
<td class="nump">4,175<span></span>
</td>
<td class="nump">3,870<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesWithinEquityLineItems', window );"><strong>Disclosure of reserves within equity [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReservesOfSubsidiaries', window );">Reserves of subsidiaries</a></td>
<td class="nump">16,085<span></span>
</td>
<td class="nump">15,107<span></span>
</td>
<td class="nump">14,512<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKGroupMember', window );">Santander UK Group</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesWithinEquityLineItems', window );"><strong>Disclosure of reserves within equity [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReservesOfSubsidiaries', window );">Reserves of subsidiaries</a></td>
<td class="nump">7,973<span></span>
</td>
<td class="nump">8,576<span></span>
</td>
<td class="nump">8,700<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderMexicoSAInstitucionDeBancaMultipleGrupoFinancieroSantanderMexicoMember', window );">Banco Santander M&#233;xico, S.A., Instituci&#243;n de Banca M&#250;ltiple, Grupo Financiero Santander M&#233;xico</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesWithinEquityLineItems', window );"><strong>Disclosure of reserves within equity [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReservesOfSubsidiaries', window );">Reserves of subsidiaries</a></td>
<td class="nump">4,977<span></span>
</td>
<td class="nump">5,248<span></span>
</td>
<td class="nump">5,684<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerFinanceGroupMember', window );">Santander Consumer Finance Group</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesWithinEquityLineItems', window );"><strong>Disclosure of reserves within equity [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReservesOfSubsidiaries', window );">Reserves of subsidiaries</a></td>
<td class="nump">4,804<span></span>
</td>
<td class="nump">4,729<span></span>
</td>
<td class="nump">4,344<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderChileMember', window );">Banco Santander - Chile</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesWithinEquityLineItems', window );"><strong>Disclosure of reserves within equity [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReservesOfSubsidiaries', window );">Reserves of subsidiaries</a></td>
<td class="nump">4,560<span></span>
</td>
<td class="nump">4,250<span></span>
</td>
<td class="nump">4,112<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderArgentinaSAMember', window );">Banco Santander Argentina S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesWithinEquityLineItems', window );"><strong>Disclosure of reserves within equity [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReservesOfSubsidiaries', window );">Reserves of subsidiaries</a></td>
<td class="nump">3,217<span></span>
</td>
<td class="nump">2,892<span></span>
</td>
<td class="nump">2,813<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderTottaSAMember', window );">Banco Santander Totta, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesWithinEquityLineItems', window );"><strong>Disclosure of reserves within equity [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReservesOfSubsidiaries', window );">Reserves of subsidiaries</a></td>
<td class="nump">2,726<span></span>
</td>
<td class="nump">2,766<span></span>
</td>
<td class="nump">2,626<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember', window );">Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesWithinEquityLineItems', window );"><strong>Disclosure of reserves within equity [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReservesOfSubsidiaries', window );">Reserves of subsidiaries</a></td>
<td class="nump">2,875<span></span>
</td>
<td class="nump">2,890<span></span>
</td>
<td class="nump">2,535<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderHoldingsUSAIncMember', window );">Santander Holdings USA, Inc.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesWithinEquityLineItems', window );"><strong>Disclosure of reserves within equity [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReservesOfSubsidiaries', window );">Reserves of subsidiaries</a></td>
<td class="nump">63<span></span>
</td>
<td class="nump">187<span></span>
</td>
<td class="nump">1,893<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderInvestmentSAMember', window );">Santander Investment, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesWithinEquityLineItems', window );"><strong>Disclosure of reserves within equity [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReservesOfSubsidiaries', window );">Reserves of subsidiaries</a></td>
<td class="nump">1,424<span></span>
</td>
<td class="nump">1,217<span></span>
</td>
<td class="nump">1,215<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderSegurosYReasegurosCompaniaAseguradoraSAMember', window );">Santander Seguros y Reaseguros, Compa&#241;&#237;a Aseguradora, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesWithinEquityLineItems', window );"><strong>Disclosure of reserves within equity [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReservesOfSubsidiaries', window );">Reserves of subsidiaries</a></td>
<td class="nump">845<span></span>
</td>
<td class="nump">836<span></span>
</td>
<td class="nump">1,044<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderInternationalSAMember', window );">Banco Santander International SA (former Banco Santander (Suisse) S.A)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesWithinEquityLineItems', window );"><strong>Disclosure of reserves within equity [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReservesOfSubsidiaries', window );">Reserves of subsidiaries</a></td>
<td class="nump">450<span></span>
</td>
<td class="nump">397<span></span>
</td>
<td class="nump">346<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_OtherCompaniesExchangeDifferencesAndConsolidationAdjustmentsMember', window );">Other companies and consolidation adjustments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesWithinEquityLineItems', window );"><strong>Disclosure of reserves within equity [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReservesOfSubsidiaries', window );">Reserves of subsidiaries</a></td>
<td class="num">&#8364; (2,062)<span></span>
</td>
<td class="num">&#8364; (1,846)<span></span>
</td>
<td class="num">&#8364; (2,155)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfReservesWithinEquityLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReservesWithinEquityLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ReservesOfSubsidiaries">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing reserves of subsidiaries.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ReservesOfSubsidiaries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ReservesOfSubsidiariesRestricted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the portion of reserves for subsidiaries restricted as to usage.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ReservesOfSubsidiariesRestricted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKGroupMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderMexicoSAInstitucionDeBancaMultipleGrupoFinancieroSantanderMexicoMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerFinanceGroupMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerFinanceGroupMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderChileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderChileMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderArgentinaSAMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderTottaSAMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderHoldingsUSAIncMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderInvestmentSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderInvestmentSAMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderSegurosYReasegurosCompaniaAseguradoraSAMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderInternationalSAMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_OtherCompaniesExchangeDifferencesAndConsolidationAdjustmentsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other equity instruments and own shares (Details) - EUR (&#8364;)<br> &#8364; / shares in Units, &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Sep. 08, 2017</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems', window );"><strong>Disclosure Of Other Equity Instruments And Own Shares [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NominalValueOfEquityComponentOfConvertibleInstruments', window );">Fidelity bonds, nominal value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 981<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReserveOfEquityComponentOfConvertibleInstruments', window );">Reserve of equity component of convertible instruments</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 720<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 686<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity</a></td>
<td class="nump">&#8364; 112,748<span></span>
</td>
<td class="nump">&#8364; 107,327<span></span>
</td>
<td class="nump">&#8364; 104,241<span></span>
</td>
<td class="nump">&#8364; 97,585<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfSharesOutstanding', window );">Share capital (in shares)</a></td>
<td class="nump">14,689,319,502<span></span>
</td>
<td class="nump">15,152,492,322<span></span>
</td>
<td class="nump">16,184,146,059<span></span>
</td>
<td class="nump">16,794,401,584<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital', window );">Treasury shares, held by the group, as a percentage of issued share capital (in percentage)</a></td>
<td class="nump">0.075%<span></span>
</td>
<td class="nump">0.102%<span></span>
</td>
<td class="nump">1.84%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PurchaseOfTreasurySharesNumberOfShares', window );">Purchase of treasury shares (in shares)</a></td>
<td class="nump">584,363,745<span></span>
</td>
<td class="nump">930,610,636<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_WeightedAverageSharePurchasePrice', window );">Average purchase price of bank shares (in euro per share)</a></td>
<td class="nump">&#8364; 6.98<span></span>
</td>
<td class="nump">&#8364; 4.34<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TreasurySharesNumberOfSharesAmortized', window );">Treasury shares, number of shares amortized (in shares)</a></td>
<td class="nump">463,172,820<span></span>
</td>
<td class="nump">1,031,653,737<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TreasurySharesNumberOfSharesTransferred', window );">Treasury shares, number of shares transferred (in shares)</a></td>
<td class="nump">125,643,093<span></span>
</td>
<td class="nump">181,243,113<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_WeightedAverageShareSellingPrice', window );">Average selling price of bank shares (in euro per share)</a></td>
<td class="nump">&#8364; 6.48<span></span>
</td>
<td class="nump">&#8364; 4.22<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TreasurySharesNumberOfSharesTransferredThroughDonations', window );">Treasury shares, number of shares transferred through donations (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">22,167,105<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetPurchaseSaleOfTreasuryShares', window );">Net profit from transaction with treasury shares</a></td>
<td class="nump">&#8364; 34<span></span>
</td>
<td class="nump">&#8364; 8<span></span>
</td>
<td class="nump">&#8364; 13<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramAxis=san_A2023ProgramSecondMember', window );">2023 Program, Second</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems', window );"><strong>Disclosure Of Other Equity Instruments And Own Shares [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PurchaseOfTreasurySharesNumberOfShares', window );">Purchase of treasury shares (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">403,030,171<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramAxis=san_A2024ProgramMember', window );">2024 Program</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems', window );"><strong>Disclosure Of Other Equity Instruments And Own Shares [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PurchaseOfTreasurySharesNumberOfShares', window );">Purchase of treasury shares (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">341,781,250<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramAxis=san_A2024ProgramSecondMember', window );">2024 Program, Second</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems', window );"><strong>Disclosure Of Other Equity Instruments And Own Shares [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PurchaseOfTreasurySharesNumberOfShares', window );">Purchase of treasury shares (in shares)</a></td>
<td class="nump">267,166,950<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBuybackProgramAxis=san_A2025ProgramMember', window );">2025 Program</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems', window );"><strong>Disclosure Of Other Equity Instruments And Own Shares [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PurchaseOfTreasurySharesNumberOfShares', window );">Purchase of treasury shares (in shares)</a></td>
<td class="nump">196,005,870<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComponentsOfEquityAxis=ifrs-full_OtherEquityInterestMember', window );">Other equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems', window );"><strong>Disclosure Of Other Equity Instruments And Own Shares [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity</a></td>
<td class="nump">&#8364; 273<span></span>
</td>
<td class="nump">&#8364; 217<span></span>
</td>
<td class="nump">195<span></span>
</td>
<td class="nump">&#8364; 175<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComponentsOfEquityAxis=ifrs-full_TreasurySharesMember', window );">(-) Own shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems', window );"><strong>Disclosure Of Other Equity Instruments And Own Shares [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">Equity</a></td>
<td class="num">&#8364; (96)<span></span>
</td>
<td class="num">&#8364; (68)<span></span>
</td>
<td class="num">&#8364; (1,078)<span></span>
</td>
<td class="num">&#8364; (675)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfSharesOutstanding', window );">Share capital (in shares)</a></td>
<td class="nump">11,077,291<span></span>
</td>
<td class="nump">15,529,459<span></span>
</td>
<td class="nump">297,815,673<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Equity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of residual interest in the assets of the entity after deducting all its liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Equity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NumberOfSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of shares that have been authorised and issued, reduced by treasury shares held. [Refer: Treasury shares]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 160<br> -Subparagraph a<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_160_a_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph a<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_a_iv&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 79<br> -Subparagraph a<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_79_a_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NumberOfSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReserveOfEquityComponentOfConvertibleInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing components of convertible instruments classified as equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReserveOfEquityComponentOfConvertibleInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure Of Other Equity Instruments And Own Shares</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfOtherEquityInstrumentsAndOwnSharesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NetPurchaseSaleOfTreasuryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net Purchase (Sale) Of Treasury Shares</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NetPurchaseSaleOfTreasuryShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NominalValueOfEquityComponentOfConvertibleInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The nominal value of a component of equity representing components of convertible instruments classified as equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NominalValueOfEquityComponentOfConvertibleInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PurchaseOfTreasurySharesNumberOfShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Purchase Of Treasury Shares, Number Of Shares</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PurchaseOfTreasurySharesNumberOfShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Treasury Shares, Held By The Group, Percentage Of Issued Share Capital</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TreasurySharesNumberOfSharesAmortized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Treasury Shares, Number Of Shares Amortized</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TreasurySharesNumberOfSharesAmortized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TreasurySharesNumberOfSharesTransferred">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Treasury Shares, Number Of Shares Transferred</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TreasurySharesNumberOfSharesTransferred</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TreasurySharesNumberOfSharesTransferredThroughDonations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Treasury Shares, Number Of Shares Transferred Through Donations</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TreasurySharesNumberOfSharesTransferredThroughDonations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_WeightedAverageSharePurchasePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The weighted average purchase price per share.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_WeightedAverageSharePurchasePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_WeightedAverageShareSellingPrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The weighted average selling price per share.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_WeightedAverageShareSellingPrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ShareBuybackProgramAxis=san_A2023ProgramSecondMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ShareBuybackProgramAxis=san_A2023ProgramSecondMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ShareBuybackProgramAxis=san_A2024ProgramMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ShareBuybackProgramAxis=san_A2024ProgramMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ShareBuybackProgramAxis=san_A2024ProgramSecondMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ShareBuybackProgramAxis=san_A2024ProgramSecondMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ShareBuybackProgramAxis=san_A2025ProgramMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ShareBuybackProgramAxis=san_A2025ProgramMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComponentsOfEquityAxis=ifrs-full_OtherEquityInterestMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComponentsOfEquityAxis=ifrs-full_OtherEquityInterestMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Memorandum items - Schedule of contingent commitments (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_LoanCommitmentsMember', window );">Loan commitments granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfContingentLiabilitiesLineItems', window );"><strong>Disclosure of contingent liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">&#8364; 321,234<span></span>
</td>
<td class="nump">&#8364; 302,861<span></span>
</td>
<td class="nump">&#8364; 279,589<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_LoanCommitmentsMember', window );">Loan commitments granted | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfContingentLiabilitiesLineItems', window );"><strong>Disclosure of contingent liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">345<span></span>
</td>
<td class="nump">511<span></span>
</td>
<td class="nump">406<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_FinancialGuaranteeContractsMember', window );">Financial guarantees granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfContingentLiabilitiesLineItems', window );"><strong>Disclosure of contingent liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">17,449<span></span>
</td>
<td class="nump">16,901<span></span>
</td>
<td class="nump">15,435<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_FinancialGuaranteeContractsMember', window );">Financial guarantees granted | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfContingentLiabilitiesLineItems', window );"><strong>Disclosure of contingent liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">332<span></span>
</td>
<td class="nump">217<span></span>
</td>
<td class="nump">578<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankSuretiesGrantedMember', window );">Financial guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfContingentLiabilitiesLineItems', window );"><strong>Disclosure of contingent liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">17,437<span></span>
</td>
<td class="nump">16,887<span></span>
</td>
<td class="nump">15,400<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_SoldCreditDerivativesMember', window );">Credit derivatives sold</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfContingentLiabilitiesLineItems', window );"><strong>Disclosure of contingent liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">12<span></span>
</td>
<td class="nump">14<span></span>
</td>
<td class="nump">35<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherCommitmentsMember', window );">Other commitments granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfContingentLiabilitiesLineItems', window );"><strong>Disclosure of contingent liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">148,118<span></span>
</td>
<td class="nump">134,493<span></span>
</td>
<td class="nump">113,273<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherCommitmentsMember', window );">Other commitments granted | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfContingentLiabilitiesLineItems', window );"><strong>Disclosure of contingent liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">668<span></span>
</td>
<td class="nump">793<span></span>
</td>
<td class="nump">542<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherGrantedGuaranteesMember', window );">Technical guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfContingentLiabilitiesLineItems', window );"><strong>Disclosure of contingent liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">62,161<span></span>
</td>
<td class="nump">61,551<span></span>
</td>
<td class="nump">57,363<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherContingentCommitmentsMember', window );">Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfContingentLiabilitiesLineItems', window );"><strong>Disclosure of contingent liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">&#8364; 85,957<span></span>
</td>
<td class="nump">&#8364; 72,942<span></span>
</td>
<td class="nump">&#8364; 55,910<span></span>
</td>
</tr>
</table>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfContingentLiabilitiesLineItems">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of the exposure to credit risk on loan commitments and financial guarantee contracts. [Refer: Loan commitments [member]; Financial guarantee contracts [member]; Credit risk [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_LoanCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_FinancialGuaranteeContractsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankSuretiesGrantedMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_SoldCreditDerivativesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_SoldCreditDerivativesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherCommitmentsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherGrantedGuaranteesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherGrantedGuaranteesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherContingentCommitmentsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Memorandum items - Narrative (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfContingentLiabilitiesLineItems', window );"><strong>Disclosure of contingent liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonManagedMarketedFunds', window );">Non-managed marketed funds</a></td>
<td class="nump">&#8364; 73,173<span></span>
</td>
<td class="nump">&#8364; 62,002<span></span>
</td>
<td class="nump">&#8364; 50,036<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody', window );">Third party debt securities and equity instruments held in custody</a></td>
<td class="nump">306,723<span></span>
</td>
<td class="nump">292,216<span></span>
</td>
<td class="nump">268,338<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | Stage 1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfContingentLiabilitiesLineItems', window );"><strong>Disclosure of contingent liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">464,215<span></span>
</td>
<td class="nump">435,147<span></span>
</td>
<td class="nump">398,243<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | Stage 1 | Contingent liabilities and commitments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfContingentLiabilitiesLineItems', window );"><strong>Disclosure of contingent liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherProvisions', window );">Other provisions</a></td>
<td class="nump">338<span></span>
</td>
<td class="nump">305<span></span>
</td>
<td class="nump">302<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | Stage 2 and 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfContingentLiabilitiesLineItems', window );"><strong>Disclosure of contingent liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">21,241<span></span>
</td>
<td class="nump">17,587<span></span>
</td>
<td class="nump">8,528<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | Stage 2 and 3 | Contingent liabilities and commitments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfContingentLiabilitiesLineItems', window );"><strong>Disclosure of contingent liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherProvisions', window );">Other provisions</a></td>
<td class="nump">206<span></span>
</td>
<td class="nump">192<span></span>
</td>
<td class="nump">174<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember', window );">Financial instruments credit-impaired | Stage 2 and 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfContingentLiabilitiesLineItems', window );"><strong>Disclosure of contingent liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">1,345<span></span>
</td>
<td class="nump">1,521<span></span>
</td>
<td class="nump">1,526<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember', window );">Financial instruments credit-impaired | Stage 2 and 3 | Contingent liabilities and commitments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfContingentLiabilitiesLineItems', window );"><strong>Disclosure of contingent liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherProvisions', window );">Other provisions</a></td>
<td class="nump">&#8364; 169<span></span>
</td>
<td class="nump">&#8364; 213<span></span>
</td>
<td class="nump">&#8364; 226<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfContingentLiabilitiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfContingentLiabilitiesLineItems</td>
</tr>
<tr>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of the exposure to credit risk on loan commitments and financial guarantee contracts. [Refer: Loan commitments [member]; Financial guarantee contracts [member]; Credit risk [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of provisions other than provisions for employee benefits. [Refer: Provisions]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 37<br> -IssueDate 2025-01-01<br> -Paragraph 84<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_84_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_e&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 257<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_257_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 257<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_257_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NonManagedMarketedFunds">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of non-managed marketed funds held by the entity at the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NonManagedMarketedFunds</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Third party debt securities and equity instruments held in custody.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=san_CommitmentsAndGuaranteesGivenProvisionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_CommitmentsAndGuaranteesGivenProvisionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Memorandum items - Schedule of off-balance sheet funds managed by the entity and joint ventures (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesLineItems', window );"><strong>Disclosure of unconsolidated structured entities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures', window );">Off-balance sheet assets managed by the entity and by joint ventures</a></td>
<td class="nump">&#8364; 257,432<span></span>
</td>
<td class="nump">&#8364; 230,485<span></span>
</td>
<td class="nump">&#8364; 209,737<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_UnconsolidatedStructuredEntitiesAxis=ifrs-full_InvestmentFundsMember', window );">Investment funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesLineItems', window );"><strong>Disclosure of unconsolidated structured entities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures', window );">Off-balance sheet assets managed by the entity and by joint ventures</a></td>
<td class="nump">197,346<span></span>
</td>
<td class="nump">178,840<span></span>
</td>
<td class="nump">165,174<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_UnconsolidatedStructuredEntitiesAxis=san_PensionFundsMember', window );">Pension funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesLineItems', window );"><strong>Disclosure of unconsolidated structured entities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures', window );">Off-balance sheet assets managed by the entity and by joint ventures</a></td>
<td class="nump">16,112<span></span>
</td>
<td class="nump">15,646<span></span>
</td>
<td class="nump">14,831<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_UnconsolidatedStructuredEntitiesAxis=san_AssetsUnderManagementMember', window );">Assets under management</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfUnconsolidatedStructuredEntitiesLineItems', window );"><strong>Disclosure of unconsolidated structured entities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures', window );">Off-balance sheet assets managed by the entity and by joint ventures</a></td>
<td class="nump">&#8364; 43,974<span></span>
</td>
<td class="nump">&#8364; 35,999<span></span>
</td>
<td class="nump">&#8364; 29,732<span></span>
</td>
</tr>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Hedging derivatives - Schedule of details of hedging instruments (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">&#8364; 505,992<span></span>
</td>
<td class="nump">&#8364; 511,727<span></span>
</td>
<td class="nump">&#8364; 418,294<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">4,427<span></span>
</td>
<td class="nump">5,672<span></span>
</td>
<td class="nump">5,297<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">4,294<span></span>
</td>
<td class="nump">4,752<span></span>
</td>
<td class="nump">7,656<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">749<span></span>
</td>
<td class="nump">1,461<span></span>
</td>
<td class="num">(1,929)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">338,057<span></span>
</td>
<td class="nump">308,897<span></span>
</td>
<td class="nump">241,792<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">2,387<span></span>
</td>
<td class="nump">2,584<span></span>
</td>
<td class="nump">2,661<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">2,588<span></span>
</td>
<td class="nump">2,964<span></span>
</td>
<td class="nump">4,231<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="num">(454)<span></span>
</td>
<td class="nump">483<span></span>
</td>
<td class="num">(1,869)<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">305,348<span></span>
</td>
<td class="nump">290,152<span></span>
</td>
<td class="nump">225,377<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">1,501<span></span>
</td>
<td class="nump">2,070<span></span>
</td>
<td class="nump">2,280<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">1,532<span></span>
</td>
<td class="nump">2,319<span></span>
</td>
<td class="nump">3,644<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="num">(433)<span></span>
</td>
<td class="nump">373<span></span>
</td>
<td class="num">(1,684)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">285,983<span></span>
</td>
<td class="nump">276,715<span></span>
</td>
<td class="nump">215,382<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">1,326<span></span>
</td>
<td class="nump">1,578<span></span>
</td>
<td class="nump">2,015<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">1,485<span></span>
</td>
<td class="nump">2,082<span></span>
</td>
<td class="nump">3,462<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="num">(188)<span></span>
</td>
<td class="nump">156<span></span>
</td>
<td class="num">(1,871)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | Future interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">19,365<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">175<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">47<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="num">(247)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | Cap&amp;Floor</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2,656<span></span>
</td>
<td class="nump">4,411<span></span>
</td>
<td class="nump">4,331<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">13<span></span>
</td>
<td class="nump">15<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">20<span></span>
</td>
<td class="nump">59<span></span>
</td>
<td class="nump">24<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">46<span></span>
</td>
<td class="nump">101<span></span>
</td>
<td class="num">(98)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | Future interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">242<span></span>
</td>
<td class="nump">2,059<span></span>
</td>
<td class="nump">2,418<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="num">(5)<span></span>
</td>
<td class="nump">91<span></span>
</td>
<td class="num">(87)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | Fx forward</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2,414<span></span>
</td>
<td class="nump">2,240<span></span>
</td>
<td class="nump">1,913<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="nump">15<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">20<span></span>
</td>
<td class="nump">39<span></span>
</td>
<td class="nump">24<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">5<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="num">(11)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | Fx Swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">46<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">27,433<span></span>
</td>
<td class="nump">13,739<span></span>
</td>
<td class="nump">12,084<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">735<span></span>
</td>
<td class="nump">501<span></span>
</td>
<td class="nump">366<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">1,035<span></span>
</td>
<td class="nump">586<span></span>
</td>
<td class="nump">563<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="num">(76)<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="num">(87)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">5,452<span></span>
</td>
<td class="nump">2,720<span></span>
</td>
<td class="nump">2,311<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">38<span></span>
</td>
<td class="nump">15<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">80<span></span>
</td>
<td class="nump">65<span></span>
</td>
<td class="nump">179<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="num">(8)<span></span>
</td>
<td class="nump">46<span></span>
</td>
<td class="nump">20<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk | Currency swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">21,981<span></span>
</td>
<td class="nump">11,019<span></span>
</td>
<td class="nump">9,773<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">697<span></span>
</td>
<td class="nump">486<span></span>
</td>
<td class="nump">357<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">955<span></span>
</td>
<td class="nump">520<span></span>
</td>
<td class="nump">384<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="num">(68)<span></span>
</td>
<td class="num">(38)<span></span>
</td>
<td class="num">(107)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Base risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">500<span></span>
</td>
<td class="nump">500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Base risk | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">500<span></span>
</td>
<td class="nump">500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Inflation risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2,120<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">145<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Inflation risk | Inflation swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2,120<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">145<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Equity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">95<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Equity risk | Equity swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">95<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">148,269<span></span>
</td>
<td class="nump">179,271<span></span>
</td>
<td class="nump">157,796<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">1,954<span></span>
</td>
<td class="nump">2,415<span></span>
</td>
<td class="nump">2,575<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">1,231<span></span>
</td>
<td class="nump">1,519<span></span>
</td>
<td class="nump">2,889<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">1,067<span></span>
</td>
<td class="nump">558<span></span>
</td>
<td class="nump">1,828<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">99,969<span></span>
</td>
<td class="nump">134,503<span></span>
</td>
<td class="nump">97,780<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">960<span></span>
</td>
<td class="nump">1,060<span></span>
</td>
<td class="nump">913<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">41<span></span>
</td>
<td class="nump">1,089<span></span>
</td>
<td class="nump">1,246<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">1,171<span></span>
</td>
<td class="nump">144<span></span>
</td>
<td class="nump">2,181<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">87,412<span></span>
</td>
<td class="nump">106,663<span></span>
</td>
<td class="nump">91,569<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">937<span></span>
</td>
<td class="nump">788<span></span>
</td>
<td class="nump">872<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">34<span></span>
</td>
<td class="nump">478<span></span>
</td>
<td class="nump">1,214<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">1,464<span></span>
</td>
<td class="num">(130)<span></span>
</td>
<td class="nump">2,188<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Future interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">12,357<span></span>
</td>
<td class="nump">6,621<span></span>
</td>
<td class="nump">3,020<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">22<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="num">(293)<span></span>
</td>
<td class="nump">225<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Cap&amp;Floor</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">200<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">24,791<span></span>
</td>
<td class="nump">30,653<span></span>
</td>
<td class="nump">34,823<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">605<span></span>
</td>
<td class="nump">738<span></span>
</td>
<td class="nump">1,001<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">473<span></span>
</td>
<td class="nump">258<span></span>
</td>
<td class="nump">663<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="num">(233)<span></span>
</td>
<td class="nump">459<span></span>
</td>
<td class="num">(498)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Fx forward</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">3,445<span></span>
</td>
<td class="nump">9,286<span></span>
</td>
<td class="nump">11,160<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">62<span></span>
</td>
<td class="nump">362<span></span>
</td>
<td class="nump">502<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">20<span></span>
</td>
<td class="nump">51<span></span>
</td>
<td class="nump">241<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="num">(18)<span></span>
</td>
<td class="nump">408<span></span>
</td>
<td class="nump">43<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Fx Swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">1,606<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">38<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">43<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="num">(3)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Currency swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">19,740<span></span>
</td>
<td class="nump">19,957<span></span>
</td>
<td class="nump">20,043<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">505<span></span>
</td>
<td class="nump">323<span></span>
</td>
<td class="nump">446<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">410<span></span>
</td>
<td class="nump">189<span></span>
</td>
<td class="nump">397<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="num">(212)<span></span>
</td>
<td class="nump">114<span></span>
</td>
<td class="num">(537)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">23,445<span></span>
</td>
<td class="nump">11,724<span></span>
</td>
<td class="nump">12,217<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">298<span></span>
</td>
<td class="nump">539<span></span>
</td>
<td class="nump">484<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">718<span></span>
</td>
<td class="nump">172<span></span>
</td>
<td class="nump">74<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="num">(3)<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="num">(98)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">3,253<span></span>
</td>
<td class="nump">3,092<span></span>
</td>
<td class="nump">2,847<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">17<span></span>
</td>
<td class="num">(6)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">85<span></span>
</td>
<td class="nump">46<span></span>
</td>
<td class="num">(45)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">51<span></span>
</td>
<td class="nump">75<span></span>
</td>
<td class="nump">227<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk | Currency swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">20,192<span></span>
</td>
<td class="nump">8,632<span></span>
</td>
<td class="nump">9,370<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">281<span></span>
</td>
<td class="nump">545<span></span>
</td>
<td class="nump">484<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">633<span></span>
</td>
<td class="nump">126<span></span>
</td>
<td class="nump">119<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="num">(54)<span></span>
</td>
<td class="num">(49)<span></span>
</td>
<td class="num">(325)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,316<span></span>
</td>
<td class="nump">12,908<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">58<span></span>
</td>
<td class="nump">155<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">906<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">131<span></span>
</td>
<td class="num">(69)<span></span>
</td>
<td class="nump">234<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk | Currency swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,495<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">153<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">906<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">240<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk | Inflation swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,163<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">57<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">131<span></span>
</td>
<td class="nump">82<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Equity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">64<span></span>
</td>
<td class="nump">75<span></span>
</td>
<td class="nump">68<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">91<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="nump">22<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">1<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Equity risk | Option</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">64<span></span>
</td>
<td class="nump">75<span></span>
</td>
<td class="nump">68<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">91<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">22<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Equity risk | Equity swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">75<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">19,666<span></span>
</td>
<td class="nump">23,559<span></span>
</td>
<td class="nump">18,706<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">86<span></span>
</td>
<td class="nump">673<span></span>
</td>
<td class="nump">61<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">475<span></span>
</td>
<td class="nump">269<span></span>
</td>
<td class="nump">536<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">136<span></span>
</td>
<td class="nump">420<span></span>
</td>
<td class="num">(1,888)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">19,666<span></span>
</td>
<td class="nump">23,559<span></span>
</td>
<td class="nump">18,706<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">86<span></span>
</td>
<td class="nump">673<span></span>
</td>
<td class="nump">61<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">475<span></span>
</td>
<td class="nump">269<span></span>
</td>
<td class="nump">536<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">136<span></span>
</td>
<td class="nump">420<span></span>
</td>
<td class="num">(1,888)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk | Fx forward</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">19,614<span></span>
</td>
<td class="nump">23,559<span></span>
</td>
<td class="nump">18,706<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="nump">86<span></span>
</td>
<td class="nump">673<span></span>
</td>
<td class="nump">61<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">474<span></span>
</td>
<td class="nump">269<span></span>
</td>
<td class="nump">536<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">134<span></span>
</td>
<td class="nump">&#8364; 420<span></span>
</td>
<td class="num">&#8364; (1,888)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk | Fx Swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">52<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentAssets', window );">Carrying amount - Assets</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgingInstrumentLiabilities', window );">Carrying amount - liabilities</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Changes in fair value used for calculating&#160;hedge ineffectiveness</a></td>
<td class="nump">&#8364; 2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gain (loss) on the change in fair value of the hedging instrument used as a basis for recognising hedge ineffectiveness. Hedge ineffectiveness is the extent to which the changes in the fair value or the cash flows of the hedging instrument are greater or less than those on the hedged item.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 24A<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24A_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 60<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_60_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 60<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_60_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_HedgingInstrumentAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a hedging instrument, recognised as an asset. [Refer: Hedging instruments [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 24A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 60<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_60_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 60<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_60_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_HedgingInstrumentAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_HedgingInstrumentLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a hedging instrument, recognised as a liability. [Refer: Hedging instruments [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 60<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_60_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 60<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_60_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 24A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_HedgingInstrumentLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NotionalAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The nominal or face amount of a financial instrument, used to calculate payments made on that instrument.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NotionalAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_InterestRateSwapContractMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_InterestRateSwapContractMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_FuturesContractMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_FuturesContractMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CapsFloorsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CapsFloorsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ForeignExchangeForwardContractMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ForeignExchangeForwardContractMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ForeignExchangeSwapMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ForeignExchangeSwapMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=san_InterestRateAndExchangeRateRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_InterestRateAndExchangeRateRiskMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_CurrencySwapContractMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_BaseRiskMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_InflationRiskMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_InflationSwapContractMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=san_MarketValueOfEquityMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_MarketValueOfEquityMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_EquitySwapContractMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_EquitySwapContractMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_OptionContractMember">
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<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_OptionContractMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember">
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<td style="white-space:nowrap;">ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
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</html>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>359
<FILENAME>R277.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Hedging derivatives - Schedule of maturity profile of hedging instruments (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">&#8364; 505,992<span></span>
</td>
<td class="nump">&#8364; 511,727<span></span>
</td>
<td class="nump">&#8364; 418,294<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanOneMonthMember', window );">Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">26,707<span></span>
</td>
<td class="nump">33,405<span></span>
</td>
<td class="nump">19,038<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember', window );">One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">29,976<span></span>
</td>
<td class="nump">31,685<span></span>
</td>
<td class="nump">35,624<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember', window );">Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">120,662<span></span>
</td>
<td class="nump">145,627<span></span>
</td>
<td class="nump">112,546<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember', window );">One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">280,202<span></span>
</td>
<td class="nump">257,116<span></span>
</td>
<td class="nump">222,777<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">48,445<span></span>
</td>
<td class="nump">43,894<span></span>
</td>
<td class="nump">28,309<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">338,057<span></span>
</td>
<td class="nump">308,897<span></span>
</td>
<td class="nump">241,792<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">17,263<span></span>
</td>
<td class="nump">9,791<span></span>
</td>
<td class="nump">6,862<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">20,353<span></span>
</td>
<td class="nump">15,953<span></span>
</td>
<td class="nump">14,535<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">87,830<span></span>
</td>
<td class="nump">88,519<span></span>
</td>
<td class="nump">59,170<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">176,040<span></span>
</td>
<td class="nump">163,086<span></span>
</td>
<td class="nump">139,486<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">36,571<span></span>
</td>
<td class="nump">31,548<span></span>
</td>
<td class="nump">21,739<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">305,348<span></span>
</td>
<td class="nump">290,152<span></span>
</td>
<td class="nump">225,377<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">15,778<span></span>
</td>
<td class="nump">8,725<span></span>
</td>
<td class="nump">6,266<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">19,042<span></span>
</td>
<td class="nump">14,680<span></span>
</td>
<td class="nump">13,749<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">82,060<span></span>
</td>
<td class="nump">85,981<span></span>
</td>
<td class="nump">56,860<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">160,461<span></span>
</td>
<td class="nump">154,440<span></span>
</td>
<td class="nump">131,323<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">28,007<span></span>
</td>
<td class="nump">26,326<span></span>
</td>
<td class="nump">17,179<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">285,983<span></span>
</td>
<td class="nump">276,715<span></span>
</td>
<td class="nump">215,382<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | Interest rate swaps | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">15,588<span></span>
</td>
<td class="nump">7,910<span></span>
</td>
<td class="nump">6,176<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | Interest rate swaps | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">18,565<span></span>
</td>
<td class="nump">11,913<span></span>
</td>
<td class="nump">13,525<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | Interest rate swaps | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">78,893<span></span>
</td>
<td class="nump">83,890<span></span>
</td>
<td class="nump">55,918<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | Interest rate swaps | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">146,294<span></span>
</td>
<td class="nump">148,913<span></span>
</td>
<td class="nump">125,405<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | Interest rate swaps | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">26,643<span></span>
</td>
<td class="nump">24,089<span></span>
</td>
<td class="nump">14,358<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | Future interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">19,365<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | Future interest rate | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">190<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | Future interest rate | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">477<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | Future interest rate | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">3,167<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | Future interest rate | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">14,167<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | Future interest rate | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">1,364<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk | Cap&amp;Floor</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2,656<span></span>
</td>
<td class="nump">4,411<span></span>
</td>
<td class="nump">4,331<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">963<span></span>
</td>
<td class="nump">1,054<span></span>
</td>
<td class="nump">566<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">365<span></span>
</td>
<td class="nump">717<span></span>
</td>
<td class="nump">678<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">1,086<span></span>
</td>
<td class="nump">469<span></span>
</td>
<td class="nump">619<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">112<span></span>
</td>
<td class="nump">50<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">242<span></span>
</td>
<td class="nump">2,059<span></span>
</td>
<td class="nump">2,418<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | Future interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">242<span></span>
</td>
<td class="nump">2,059<span></span>
</td>
<td class="nump">2,418<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | Future interest rate | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | Future interest rate | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | Future interest rate | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | Future interest rate | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | Future interest rate | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">242<span></span>
</td>
<td class="nump">2,059<span></span>
</td>
<td class="nump">2,418<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | Fx forward</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2,414<span></span>
</td>
<td class="nump">2,240<span></span>
</td>
<td class="nump">1,913<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | Fx forward | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">963<span></span>
</td>
<td class="nump">1,054<span></span>
</td>
<td class="nump">566<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | Fx forward | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">365<span></span>
</td>
<td class="nump">717<span></span>
</td>
<td class="nump">678<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | Fx forward | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">1,086<span></span>
</td>
<td class="nump">469<span></span>
</td>
<td class="nump">619<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | Fx forward | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">50<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | Fx forward | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk | Fx Swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">27,433<span></span>
</td>
<td class="nump">13,739<span></span>
</td>
<td class="nump">12,084<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">522<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td class="nump">30<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">946<span></span>
</td>
<td class="nump">511<span></span>
</td>
<td class="nump">108<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">4,684<span></span>
</td>
<td class="nump">2,019<span></span>
</td>
<td class="nump">1,691<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">15,079<span></span>
</td>
<td class="nump">8,034<span></span>
</td>
<td class="nump">8,113<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">6,202<span></span>
</td>
<td class="nump">3,163<span></span>
</td>
<td class="nump">2,142<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">5,452<span></span>
</td>
<td class="nump">2,720<span></span>
</td>
<td class="nump">2,311<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk | Interest rate swaps | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">15<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk | Interest rate swaps | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">54<span></span>
</td>
<td class="nump">149<span></span>
</td>
<td class="nump">21<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk | Interest rate swaps | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">218<span></span>
</td>
<td class="nump">104<span></span>
</td>
<td class="nump">321<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk | Interest rate swaps | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">3,898<span></span>
</td>
<td class="nump">1,543<span></span>
</td>
<td class="nump">1,508<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk | Interest rate swaps | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">1,267<span></span>
</td>
<td class="nump">924<span></span>
</td>
<td class="nump">461<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk | Currency swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">21,981<span></span>
</td>
<td class="nump">11,019<span></span>
</td>
<td class="nump">9,773<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk | Currency swap | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">507<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td class="nump">30<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk | Currency swap | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">892<span></span>
</td>
<td class="nump">361<span></span>
</td>
<td class="nump">87<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk | Currency swap | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">4,466<span></span>
</td>
<td class="nump">1,915<span></span>
</td>
<td class="nump">1,370<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk | Currency swap | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">11,181<span></span>
</td>
<td class="nump">6,491<span></span>
</td>
<td class="nump">6,605<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk | Currency swap | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">4,935<span></span>
</td>
<td class="nump">2,240<span></span>
</td>
<td class="nump">1,681<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Base risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">500<span></span>
</td>
<td class="nump">500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Base risk | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Base risk | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Base risk | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Base risk | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">500<span></span>
</td>
<td class="nump">500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Base risk | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Base risk | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">500<span></span>
</td>
<td class="nump">500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Base risk | Interest rate swaps | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Base risk | Interest rate swaps | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Base risk | Interest rate swaps | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Base risk | Interest rate swaps | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">500<span></span>
</td>
<td class="nump">500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Base risk | Interest rate swaps | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Inflation risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2,120<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Inflation risk | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Inflation risk | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Inflation risk | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Inflation risk | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Inflation risk | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2,120<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Inflation risk | Inflation swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2,120<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Inflation risk | Inflation swap | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Inflation risk | Inflation swap | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Inflation risk | Inflation swap | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Inflation risk | Inflation swap | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Inflation risk | Inflation swap | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2,120<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Equity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">95<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Equity risk | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Equity risk | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">45<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Equity risk | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Equity risk | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Equity risk | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Equity risk | Equity swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">95<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Equity risk | Equity swap | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Equity risk | Equity swap | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">45<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Equity risk | Equity swap | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Equity risk | Equity swap | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Equity risk | Equity swap | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">148,269<span></span>
</td>
<td class="nump">179,271<span></span>
</td>
<td class="nump">157,796<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">6,499<span></span>
</td>
<td class="nump">19,696<span></span>
</td>
<td class="nump">7,873<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">4,405<span></span>
</td>
<td class="nump">10,088<span></span>
</td>
<td class="nump">16,149<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">21,536<span></span>
</td>
<td class="nump">43,111<span></span>
</td>
<td class="nump">43,913<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">103,955<span></span>
</td>
<td class="nump">94,030<span></span>
</td>
<td class="nump">83,291<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">11,874<span></span>
</td>
<td class="nump">12,346<span></span>
</td>
<td class="nump">6,570<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">99,969<span></span>
</td>
<td class="nump">134,503<span></span>
</td>
<td class="nump">97,780<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">3,497<span></span>
</td>
<td class="nump">14,628<span></span>
</td>
<td class="nump">4,467<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">1,347<span></span>
</td>
<td class="nump">7,932<span></span>
</td>
<td class="nump">6,859<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">12,090<span></span>
</td>
<td class="nump">30,390<span></span>
</td>
<td class="nump">30,846<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">76,749<span></span>
</td>
<td class="nump">75,459<span></span>
</td>
<td class="nump">53,038<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">6,286<span></span>
</td>
<td class="nump">6,094<span></span>
</td>
<td class="nump">2,570<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">87,412<span></span>
</td>
<td class="nump">106,663<span></span>
</td>
<td class="nump">91,569<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Interest rate swaps | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">3,497<span></span>
</td>
<td class="nump">7,146<span></span>
</td>
<td class="nump">4,241<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Interest rate swaps | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">1,347<span></span>
</td>
<td class="nump">5,856<span></span>
</td>
<td class="nump">6,429<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Interest rate swaps | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">12,077<span></span>
</td>
<td class="nump">20,846<span></span>
</td>
<td class="nump">29,863<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Interest rate swaps | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">64,712<span></span>
</td>
<td class="nump">67,495<span></span>
</td>
<td class="nump">48,735<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Interest rate swaps | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">5,779<span></span>
</td>
<td class="nump">5,320<span></span>
</td>
<td class="nump">2,301<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Future interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">12,357<span></span>
</td>
<td class="nump">6,621<span></span>
</td>
<td class="nump">3,020<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Future interest rate | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">6,621<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Future interest rate | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Future interest rate | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">13<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Future interest rate | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">11,837<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">3,020<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Future interest rate | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">507<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Cap&amp;Floor</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">200<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Cap&amp;Floor | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Cap&amp;Floor | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Cap&amp;Floor | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Cap&amp;Floor | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">200<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | Cap&amp;Floor | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">24,791<span></span>
</td>
<td class="nump">30,653<span></span>
</td>
<td class="nump">34,823<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">981<span></span>
</td>
<td class="nump">2,982<span></span>
</td>
<td class="nump">2,655<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">1,169<span></span>
</td>
<td class="nump">1,377<span></span>
</td>
<td class="nump">7,087<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">4,062<span></span>
</td>
<td class="nump">8,765<span></span>
</td>
<td class="nump">6,607<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">15,467<span></span>
</td>
<td class="nump">14,703<span></span>
</td>
<td class="nump">16,711<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">3,112<span></span>
</td>
<td class="nump">2,826<span></span>
</td>
<td class="nump">1,763<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Fx forward</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">3,445<span></span>
</td>
<td class="nump">9,286<span></span>
</td>
<td class="nump">11,160<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Fx forward | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">874<span></span>
</td>
<td class="nump">2,594<span></span>
</td>
<td class="nump">2,013<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Fx forward | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">1,025<span></span>
</td>
<td class="nump">1,310<span></span>
</td>
<td class="nump">2,344<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Fx forward | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">1,546<span></span>
</td>
<td class="nump">5,382<span></span>
</td>
<td class="nump">4,617<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Fx forward | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,186<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Fx forward | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Currency swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">19,740<span></span>
</td>
<td class="nump">19,957<span></span>
</td>
<td class="nump">20,043<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Currency swap | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">41<span></span>
</td>
<td class="nump">133<span></span>
</td>
<td class="nump">642<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Currency swap | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">52<span></span>
</td>
<td class="nump">66<span></span>
</td>
<td class="nump">2,209<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Currency swap | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2,024<span></span>
</td>
<td class="nump">3,383<span></span>
</td>
<td class="nump">1,990<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Currency swap | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">14,511<span></span>
</td>
<td class="nump">14,704<span></span>
</td>
<td class="nump">14,525<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Currency swap | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">3,112<span></span>
</td>
<td class="nump">1,671<span></span>
</td>
<td class="nump">677<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Fx Swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">1,606<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Fx Swap | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">66<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Fx Swap | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">92<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Fx Swap | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">492<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Fx Swap | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">956<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | Fx Swap | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">23,445<span></span>
</td>
<td class="nump">11,724<span></span>
</td>
<td class="nump">12,217<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2,021<span></span>
</td>
<td class="nump">2,086<span></span>
</td>
<td class="nump">407<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">1,887<span></span>
</td>
<td class="nump">778<span></span>
</td>
<td class="nump">1,547<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">5,371<span></span>
</td>
<td class="nump">3,785<span></span>
</td>
<td class="nump">2,270<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">11,690<span></span>
</td>
<td class="nump">3,813<span></span>
</td>
<td class="nump">7,187<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2,476<span></span>
</td>
<td class="nump">1,262<span></span>
</td>
<td class="nump">806<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">3,253<span></span>
</td>
<td class="nump">3,092<span></span>
</td>
<td class="nump">2,847<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk | Interest rate swaps | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">761<span></span>
</td>
<td class="nump">997<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk | Interest rate swaps | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">80<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk | Interest rate swaps | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">227<span></span>
</td>
<td class="nump">395<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk | Interest rate swaps | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2,085<span></span>
</td>
<td class="nump">1,260<span></span>
</td>
<td class="nump">2,575<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk | Interest rate swaps | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">180<span></span>
</td>
<td class="nump">440<span></span>
</td>
<td class="nump">192<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk | Currency swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">20,192<span></span>
</td>
<td class="nump">8,632<span></span>
</td>
<td class="nump">9,370<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk | Currency swap | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">1,260<span></span>
</td>
<td class="nump">1,090<span></span>
</td>
<td class="nump">407<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk | Currency swap | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">1,887<span></span>
</td>
<td class="nump">778<span></span>
</td>
<td class="nump">1,467<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk | Currency swap | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">5,144<span></span>
</td>
<td class="nump">3,389<span></span>
</td>
<td class="nump">2,270<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk | Currency swap | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">9,605<span></span>
</td>
<td class="nump">2,553<span></span>
</td>
<td class="nump">4,612<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk | Currency swap | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2,296<span></span>
</td>
<td class="nump">822<span></span>
</td>
<td class="nump">614<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,316<span></span>
</td>
<td class="nump">12,908<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">344<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">656<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">153<span></span>
</td>
<td class="nump">4,182<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">6,296<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,163<span></span>
</td>
<td class="nump">1,430<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk | Currency swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,495<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk | Currency swap | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">318<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk | Currency swap | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">618<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk | Currency swap | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,833<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk | Currency swap | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6,296<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk | Currency swap | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,430<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk | Inflation swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,163<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk | Inflation swap | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk | Inflation swap | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk | Inflation swap | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk | Inflation swap | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk | Inflation swap | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,163<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Equity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">64<span></span>
</td>
<td class="nump">75<span></span>
</td>
<td class="nump">68<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Equity risk | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Equity risk | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Equity risk | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">13<span></span>
</td>
<td class="nump">18<span></span>
</td>
<td class="nump">8<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Equity risk | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">49<span></span>
</td>
<td class="nump">55<span></span>
</td>
<td class="nump">59<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Equity risk | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Equity risk | Equity swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">75<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Equity risk | Option</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">64<span></span>
</td>
<td class="nump">75<span></span>
</td>
<td class="nump">68<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Equity risk | Option | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Equity risk | Option | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Equity risk | Option | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">13<span></span>
</td>
<td class="nump">18<span></span>
</td>
<td class="nump">8<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Equity risk | Option | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">49<span></span>
</td>
<td class="nump">55<span></span>
</td>
<td class="nump">59<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Equity risk | Option | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">19,666<span></span>
</td>
<td class="nump">23,559<span></span>
</td>
<td class="nump">18,706<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2,945<span></span>
</td>
<td class="nump">3,918<span></span>
</td>
<td class="nump">4,303<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">5,218<span></span>
</td>
<td class="nump">5,644<span></span>
</td>
<td class="nump">4,940<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">11,296<span></span>
</td>
<td class="nump">13,997<span></span>
</td>
<td class="nump">9,463<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">207<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">19,666<span></span>
</td>
<td class="nump">23,559<span></span>
</td>
<td class="nump">18,706<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2,945<span></span>
</td>
<td class="nump">3,918<span></span>
</td>
<td class="nump">4,303<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">5,218<span></span>
</td>
<td class="nump">5,644<span></span>
</td>
<td class="nump">4,940<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">11,296<span></span>
</td>
<td class="nump">13,997<span></span>
</td>
<td class="nump">9,463<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">207<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk | Fx forward</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">19,614<span></span>
</td>
<td class="nump">23,559<span></span>
</td>
<td class="nump">18,706<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk | Fx forward | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">2,893<span></span>
</td>
<td class="nump">3,918<span></span>
</td>
<td class="nump">4,303<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk | Fx forward | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">5,218<span></span>
</td>
<td class="nump">5,644<span></span>
</td>
<td class="nump">4,940<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk | Fx forward | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">11,296<span></span>
</td>
<td class="nump">13,997<span></span>
</td>
<td class="nump">9,463<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk | Fx forward | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">207<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk | Fx forward | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk | Fx Swap</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">52<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk | Fx Swap | Up&#160;to&#160;one month</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">52<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk | Fx Swap | One&#160;to&#160;three months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk | Fx Swap | Three&#160;months&#160;to one year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk | Fx Swap | One&#160;year&#160;to five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk | Fx Swap | More&#160;than five years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NotionalAmount', window );">Notional amount</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NotionalAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The nominal or face amount of a financial instrument, used to calculate payments made on that instrument.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NotionalAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanOneMonthMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_NotLaterThanOneMonthMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanFiveYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_InterestRateSwapContractMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_InterestRateSwapContractMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_FuturesContractMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_FuturesContractMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CapsFloorsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CapsFloorsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ForeignExchangeForwardContractMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ForeignExchangeForwardContractMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ForeignExchangeSwapMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ForeignExchangeSwapMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=san_InterestRateAndExchangeRateRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_InterestRateAndExchangeRateRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_CurrencySwapContractMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_CurrencySwapContractMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=san_BaseRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_BaseRiskMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
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<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_InflationRiskMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_InflationSwapContractMember</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_MarketValueOfEquityMember</td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_EquitySwapContractMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_EquitySwapContractMember</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_OptionContractMember</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Hedging derivatives - Schedule of details of hedged exposure/hedged items (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemAssets', window );">Carrying amount of hedged items - Assets</a></td>
<td class="nump">&#8364; 186,573<span></span>
</td>
<td class="nump">&#8364; 162,465<span></span>
</td>
<td class="nump">&#8364; 152,801<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemLiabilities', window );">Carrying amount of hedged items - Liabilities</a></td>
<td class="nump">107,124<span></span>
</td>
<td class="nump">32,642<span></span>
</td>
<td class="nump">26,946<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges', window );">Accumulated amount of fair value adjustments on the hedged item - Assets</a></td>
<td class="num">(191)<span></span>
</td>
<td class="num">(1,412)<span></span>
</td>
<td class="num">(1,798)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro', window );">Accumulated amount of fair value adjustments on the hedged item - Liabilities</a></td>
<td class="nump">490<span></span>
</td>
<td class="num">(1,200)<span></span>
</td>
<td class="num">(1,652)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Change in fair value of hedged item for ineffectiveness assessment</a></td>
<td class="num">(738)<span></span>
</td>
<td class="num">(1,445)<span></span>
</td>
<td class="nump">1,992<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesContinuingHedges', window );">Cash flow hedge/currency translation reserve - Continuing hedges</a></td>
<td class="num">(7,466)<span></span>
</td>
<td class="num">(8,480)<span></span>
</td>
<td class="num">(9,497)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesDiscontinuedHedges', window );">Cash flow hedge/currency translation reserve- Discontinued hedges</a></td>
<td class="nump">237<span></span>
</td>
<td class="nump">50<span></span>
</td>
<td class="num">(173)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemAssets', window );">Carrying amount of hedged items - Assets</a></td>
<td class="nump">166,907<span></span>
</td>
<td class="nump">138,906<span></span>
</td>
<td class="nump">134,095<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemLiabilities', window );">Carrying amount of hedged items - Liabilities</a></td>
<td class="nump">107,124<span></span>
</td>
<td class="nump">32,642<span></span>
</td>
<td class="nump">26,946<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges', window );">Accumulated amount of fair value adjustments on the hedged item - Assets</a></td>
<td class="num">(191)<span></span>
</td>
<td class="num">(1,412)<span></span>
</td>
<td class="num">(1,798)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro', window );">Accumulated amount of fair value adjustments on the hedged item - Liabilities</a></td>
<td class="nump">490<span></span>
</td>
<td class="num">(1,200)<span></span>
</td>
<td class="num">(1,652)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Change in fair value of hedged item for ineffectiveness assessment</a></td>
<td class="nump">461<span></span>
</td>
<td class="num">(461)<span></span>
</td>
<td class="nump">1,928<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesContinuingHedges', window );">Cash flow hedge/currency translation reserve - Continuing hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesDiscontinuedHedges', window );">Cash flow hedge/currency translation reserve- Discontinued hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemAssets', window );">Carrying amount of hedged items - Assets</a></td>
<td class="nump">152,380<span></span>
</td>
<td class="nump">133,149<span></span>
</td>
<td class="nump">130,672<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemLiabilities', window );">Carrying amount of hedged items - Liabilities</a></td>
<td class="nump">93,395<span></span>
</td>
<td class="nump">23,780<span></span>
</td>
<td class="nump">19,176<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges', window );">Accumulated amount of fair value adjustments on the hedged item - Assets</a></td>
<td class="num">(201)<span></span>
</td>
<td class="num">(1,345)<span></span>
</td>
<td class="num">(1,682)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro', window );">Accumulated amount of fair value adjustments on the hedged item - Liabilities</a></td>
<td class="nump">364<span></span>
</td>
<td class="num">(1,176)<span></span>
</td>
<td class="num">(1,546)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Change in fair value of hedged item for ineffectiveness assessment</a></td>
<td class="nump">400<span></span>
</td>
<td class="num">(343)<span></span>
</td>
<td class="nump">1,757<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesContinuingHedges', window );">Cash flow hedge/currency translation reserve - Continuing hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesDiscontinuedHedges', window );">Cash flow hedge/currency translation reserve- Discontinued hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemAssets', window );">Carrying amount of hedged items - Assets</a></td>
<td class="nump">2,154<span></span>
</td>
<td class="nump">2,017<span></span>
</td>
<td class="nump">637<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemLiabilities', window );">Carrying amount of hedged items - Liabilities</a></td>
<td class="nump">242<span></span>
</td>
<td class="nump">1,562<span></span>
</td>
<td class="nump">1,365<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges', window );">Accumulated amount of fair value adjustments on the hedged item - Assets</a></td>
<td class="num">(6)<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro', window );">Accumulated amount of fair value adjustments on the hedged item - Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="num">(3)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Change in fair value of hedged item for ineffectiveness assessment</a></td>
<td class="num">(43)<span></span>
</td>
<td class="num">(118)<span></span>
</td>
<td class="nump">60<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesContinuingHedges', window );">Cash flow hedge/currency translation reserve - Continuing hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesDiscontinuedHedges', window );">Cash flow hedge/currency translation reserve- Discontinued hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemAssets', window );">Carrying amount of hedged items - Assets</a></td>
<td class="nump">9,619<span></span>
</td>
<td class="nump">3,238<span></span>
</td>
<td class="nump">2,786<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemLiabilities', window );">Carrying amount of hedged items - Liabilities</a></td>
<td class="nump">13,487<span></span>
</td>
<td class="nump">7,205<span></span>
</td>
<td class="nump">6,405<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges', window );">Accumulated amount of fair value adjustments on the hedged item - Assets</a></td>
<td class="nump">3<span></span>
</td>
<td class="num">(68)<span></span>
</td>
<td class="num">(115)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro', window );">Accumulated amount of fair value adjustments on the hedged item - Liabilities</a></td>
<td class="nump">126<span></span>
</td>
<td class="num">(27)<span></span>
</td>
<td class="num">(103)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Change in fair value of hedged item for ineffectiveness assessment</a></td>
<td class="nump">66<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">111<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesContinuingHedges', window );">Cash flow hedge/currency translation reserve - Continuing hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesDiscontinuedHedges', window );">Cash flow hedge/currency translation reserve- Discontinued hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Inflation risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemAssets', window );">Carrying amount of hedged items - Assets</a></td>
<td class="nump">2,253<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemLiabilities', window );">Carrying amount of hedged items - Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges', window );">Accumulated amount of fair value adjustments on the hedged item - Assets</a></td>
<td class="nump">13<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro', window );">Accumulated amount of fair value adjustments on the hedged item - Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Change in fair value of hedged item for ineffectiveness assessment</a></td>
<td class="nump">38<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesContinuingHedges', window );">Cash flow hedge/currency translation reserve - Continuing hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesDiscontinuedHedges', window );">Cash flow hedge/currency translation reserve- Discontinued hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemAssets', window );">Carrying amount of hedged items - Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemLiabilities', window );">Carrying amount of hedged items - Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges', window );">Accumulated amount of fair value adjustments on the hedged item - Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro', window );">Accumulated amount of fair value adjustments on the hedged item - Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Change in fair value of hedged item for ineffectiveness assessment</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesContinuingHedges', window );">Cash flow hedge/currency translation reserve - Continuing hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesDiscontinuedHedges', window );">Cash flow hedge/currency translation reserve- Discontinued hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Base risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemAssets', window );">Carrying amount of hedged items - Assets</a></td>
<td class="nump">501<span></span>
</td>
<td class="nump">502<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemLiabilities', window );">Carrying amount of hedged items - Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges', window );">Accumulated amount of fair value adjustments on the hedged item - Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro', window );">Accumulated amount of fair value adjustments on the hedged item - Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Change in fair value of hedged item for ineffectiveness assessment</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesContinuingHedges', window );">Cash flow hedge/currency translation reserve - Continuing hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesDiscontinuedHedges', window );">Cash flow hedge/currency translation reserve- Discontinued hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Equities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemAssets', window );">Carrying amount of hedged items - Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemLiabilities', window );">Carrying amount of hedged items - Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">95<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges', window );">Accumulated amount of fair value adjustments on the hedged item - Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro', window );">Accumulated amount of fair value adjustments on the hedged item - Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Change in fair value of hedged item for ineffectiveness assessment</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesContinuingHedges', window );">Cash flow hedge/currency translation reserve - Continuing hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesDiscontinuedHedges', window );">Cash flow hedge/currency translation reserve- Discontinued hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Change in fair value of hedged item for ineffectiveness assessment</a></td>
<td class="num">(1,063)<span></span>
</td>
<td class="num">(564)<span></span>
</td>
<td class="num">(1,824)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesContinuingHedges', window );">Cash flow hedge/currency translation reserve - Continuing hedges</a></td>
<td class="nump">401<span></span>
</td>
<td class="num">(478)<span></span>
</td>
<td class="num">(813)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesDiscontinuedHedges', window );">Cash flow hedge/currency translation reserve- Discontinued hedges</a></td>
<td class="nump">235<span></span>
</td>
<td class="nump">50<span></span>
</td>
<td class="num">(173)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Change in fair value of hedged item for ineffectiveness assessment</a></td>
<td class="num">(1,174)<span></span>
</td>
<td class="num">(156)<span></span>
</td>
<td class="num">(2,182)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesContinuingHedges', window );">Cash flow hedge/currency translation reserve - Continuing hedges</a></td>
<td class="nump">381<span></span>
</td>
<td class="num">(794)<span></span>
</td>
<td class="num">(797)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesDiscontinuedHedges', window );">Cash flow hedge/currency translation reserve- Discontinued hedges</a></td>
<td class="nump">86<span></span>
</td>
<td class="nump">83<span></span>
</td>
<td class="num">(77)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Change in fair value of hedged item for ineffectiveness assessment</a></td>
<td class="nump">240<span></span>
</td>
<td class="num">(439)<span></span>
</td>
<td class="nump">500<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesContinuingHedges', window );">Cash flow hedge/currency translation reserve - Continuing hedges</a></td>
<td class="num">(8)<span></span>
</td>
<td class="nump">213<span></span>
</td>
<td class="num">(80)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesDiscontinuedHedges', window );">Cash flow hedge/currency translation reserve- Discontinued hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">19<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Change in fair value of hedged item for ineffectiveness assessment</a></td>
<td class="num">(8)<span></span>
</td>
<td class="num">(40)<span></span>
</td>
<td class="nump">100<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesContinuingHedges', window );">Cash flow hedge/currency translation reserve - Continuing hedges</a></td>
<td class="nump">28<span></span>
</td>
<td class="nump">11<span></span>
</td>
<td class="num">(144)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesDiscontinuedHedges', window );">Cash flow hedge/currency translation reserve- Discontinued hedges</a></td>
<td class="num">(13)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Change in fair value of hedged item for ineffectiveness assessment</a></td>
<td class="num">(131)<span></span>
</td>
<td class="nump">69<span></span>
</td>
<td class="num">(233)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesContinuingHedges', window );">Cash flow hedge/currency translation reserve - Continuing hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">82<span></span>
</td>
<td class="nump">196<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesDiscontinuedHedges', window );">Cash flow hedge/currency translation reserve- Discontinued hedges</a></td>
<td class="nump">162<span></span>
</td>
<td class="num">(52)<span></span>
</td>
<td class="num">(96)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Equity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Change in fair value of hedged item for ineffectiveness assessment</a></td>
<td class="nump">10<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="num">(9)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesContinuingHedges', window );">Cash flow hedge/currency translation reserve - Continuing hedges</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">10<span></span>
</td>
<td class="nump">12<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesDiscontinuedHedges', window );">Cash flow hedge/currency translation reserve- Discontinued hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Other risks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Change in fair value of hedged item for ineffectiveness assessment</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesContinuingHedges', window );">Cash flow hedge/currency translation reserve - Continuing hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesDiscontinuedHedges', window );">Cash flow hedge/currency translation reserve- Discontinued hedges</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Net foreign investments hedges</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemAssets', window );">Carrying amount of hedged items - Assets</a></td>
<td class="nump">19,666<span></span>
</td>
<td class="nump">23,559<span></span>
</td>
<td class="nump">18,706<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemLiabilities', window );">Carrying amount of hedged items - Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Change in fair value of hedged item for ineffectiveness assessment</a></td>
<td class="num">(136)<span></span>
</td>
<td class="num">(420)<span></span>
</td>
<td class="nump">1,888<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesContinuingHedges', window );">Cash flow hedge/currency translation reserve - Continuing hedges</a></td>
<td class="num">(7,867)<span></span>
</td>
<td class="num">(8,002)<span></span>
</td>
<td class="num">(8,684)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesDiscontinuedHedges', window );">Cash flow hedge/currency translation reserve- Discontinued hedges</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Net foreign investments hedges | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemAssets', window );">Carrying amount of hedged items - Assets</a></td>
<td class="nump">19,666<span></span>
</td>
<td class="nump">23,559<span></span>
</td>
<td class="nump">18,706<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_HedgedItemLiabilities', window );">Carrying amount of hedged items - Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness', window );">Change in fair value of hedged item for ineffectiveness assessment</a></td>
<td class="num">(136)<span></span>
</td>
<td class="num">(420)<span></span>
</td>
<td class="nump">1,888<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesContinuingHedges', window );">Cash flow hedge/currency translation reserve - Continuing hedges</a></td>
<td class="num">(7,867)<span></span>
</td>
<td class="num">(8,002)<span></span>
</td>
<td class="num">(8,684)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CashFlowReservesOrConversionReservesDiscontinuedHedges', window );">Cash flow hedge/currency translation reserve- Discontinued hedges</a></td>
<td class="nump">&#8364; 2<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gain (loss) on the change in fair value of the hedged item used as a basis for recognising hedge ineffectiveness. Hedge ineffectiveness is the extent to which the changes in the fair value or the cash flows of the hedging instrument are greater or less than those on the hedged item.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 61<br> -Subparagraph a<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_61_a_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 61<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_61_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 24B<br> -Subparagraph a<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24B_a_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 24B<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24B_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 61<br> -Subparagraph a<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_61_a_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 61<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_61_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_HedgedItemAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a hedged item, recognised as an asset. [Refer: Hedged items [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 24B<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24B_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 61<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_61_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 61<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_61_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_HedgedItemAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_HedgedItemLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a hedged item, recognised as a liability. [Refer: Hedged items [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 24B<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24B_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 61<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_61_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 61<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_61_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_HedgedItemLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The accumulated amount of fair value hedge adjustment on a hedged item recognised as an asset. This value includes both macro and micro hedges and is a non-ifrs measurement used by management.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The accumulated amount of fair value hedge adjustment on a hedged item recognised as a liability. This value includes both macro and micro hedges and is a non-ifrs measurement used by management.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CashFlowReservesOrConversionReservesContinuingHedges">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the reserve of cash flow hedges and reserve of exchange differences on translation in relation to continuing hedges.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CashFlowReservesOrConversionReservesContinuingHedges</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CashFlowReservesOrConversionReservesDiscontinuedHedges">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the reserve of cash flow hedges and reserve of exchange differences on translation in relation to hedging relationships for which hedge accounting is no longer applied.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CashFlowReservesOrConversionReservesDiscontinuedHedges</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=san_InterestRateAndExchangeRateRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_InterestRateAndExchangeRateRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=san_InflationRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_InflationRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_BaseRiskMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_MarketValueOfEquityMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_OtherRisksMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Hedging derivatives - Narrative (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfHedgeAccountingAbstract', window );"><strong>Disclosure of detailed information about hedges [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MacroCashFlowsHedgeHedgedPosition', window );">Macro cash flows hedge, position</a></td>
<td class="nump">&#8364; 5,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets', window );">Accumulated fair value hedge adjustment remaining in statement of financial position for hedged item that ceased to be adjusted for hedging gains and losses, assets</a></td>
<td class="nump">&#8364; 227<span></span>
</td>
<td class="nump">&#8364; 775<span></span>
</td>
<td class="nump">&#8364; 1,006<span></span>
</td>
</tr>
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<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The accumulated amount of fair value hedge adjustment remaining in the statement of financial position for a hedged item that is a financial asset measured at amortised cost and has ceased to be adjusted for hedging gains and losses. [Refer: Financial assets at amortised cost; Hedged items [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 24B<br> -Subparagraph a<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24B_a_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets</td>
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<td><strong> Period Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfHedgeAccountingAbstract</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Macro Cash Flows Hedge, Hedged Position</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MacroCashFlowsHedgeHedgedPosition</td>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Hedging derivatives - Schedule of effectiveness of hedging, impacts on profit or loss and other comprehensive income (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_DesignatedItemsMember', window );">C) Designated elements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="nump">&#8364; 1,199<span></span>
</td>
<td class="nump">&#8364; 978<span></span>
</td>
<td class="nump">&#8364; 704<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss', window );">Ineffective recognised in the income statement</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">16<span></span>
</td>
<td class="nump">63<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Reclassified amount of reserves to the income statement</a></td>
<td class="num">(706)<span></span>
</td>
<td class="num">(1,256)<span></span>
</td>
<td class="num">(2,622)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss', window );">Ineffective recognised in the income statement</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">22<span></span>
</td>
<td class="nump">59<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss', window );">Ineffective recognised in the income statement</a></td>
<td class="num">(33)<span></span>
</td>
<td class="nump">30<span></span>
</td>
<td class="nump">72<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss', window );">Ineffective recognised in the income statement</a></td>
<td class="nump">3<span></span>
</td>
<td class="num">(17)<span></span>
</td>
<td class="num">(38)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss', window );">Ineffective recognised in the income statement</a></td>
<td class="num">(9)<span></span>
</td>
<td class="nump">9<span></span>
</td>
<td class="nump">25<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Inflation risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss', window );">Ineffective recognised in the income statement</a></td>
<td class="nump">46<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="nump">1,049<span></span>
</td>
<td class="nump">558<span></span>
</td>
<td class="nump">2,592<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | C) Designated elements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="nump">1,063<span></span>
</td>
<td class="nump">558<span></span>
</td>
<td class="nump">2,592<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss', window );">Ineffective recognised in the income statement</a></td>
<td class="nump">4<span></span>
</td>
<td class="num">(6)<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Reclassified amount of reserves to the income statement</a></td>
<td class="num">(706)<span></span>
</td>
<td class="num">(1,256)<span></span>
</td>
<td class="num">(2,622)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="nump">1,155<span></span>
</td>
<td class="nump">163<span></span>
</td>
<td class="nump">2,179<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk | C) Designated elements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="nump">1,174<span></span>
</td>
<td class="nump">163<span></span>
</td>
<td class="nump">2,179<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss', window );">Ineffective recognised in the income statement</a></td>
<td class="num">(3)<span></span>
</td>
<td class="num">(12)<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Reclassified amount of reserves to the income statement</a></td>
<td class="num">(638)<span></span>
</td>
<td class="num">(1,166)<span></span>
</td>
<td class="num">(1,647)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="num">(229)<span></span>
</td>
<td class="nump">312<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk | C) Designated elements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="num">(240)<span></span>
</td>
<td class="nump">312<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss', window );">Ineffective recognised in the income statement</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Reclassified amount of reserves to the income statement</a></td>
<td class="nump">85<span></span>
</td>
<td class="nump">319<span></span>
</td>
<td class="num">(416)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="nump">8<span></span>
</td>
<td class="nump">155<span></span>
</td>
<td class="nump">164<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk | C) Designated elements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="nump">8<span></span>
</td>
<td class="nump">155<span></span>
</td>
<td class="nump">164<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss', window );">Ineffective recognised in the income statement</a></td>
<td class="num">(10)<span></span>
</td>
<td class="num">(14)<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Reclassified amount of reserves to the income statement</a></td>
<td class="num">(233)<span></span>
</td>
<td class="num">(340)<span></span>
</td>
<td class="num">(431)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="nump">131<span></span>
</td>
<td class="num">(70)<span></span>
</td>
<td class="nump">233<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Reclassified amount of reserves to the income statement</a></td>
<td class="nump">80<span></span>
</td>
<td class="num">(69)<span></span>
</td>
<td class="num">(128)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk | C) Designated elements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="nump">131<span></span>
</td>
<td class="num">(70)<span></span>
</td>
<td class="nump">233<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss', window );">Ineffective recognised in the income statement</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Reclassified amount of reserves to the income statement</a></td>
<td class="nump">80<span></span>
</td>
<td class="num">(69)<span></span>
</td>
<td class="num">(128)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Equity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="num">(16)<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Equity risk | C) Designated elements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="num">(10)<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss', window );">Ineffective recognised in the income statement</a></td>
<td class="nump">10<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Reclassified amount of reserves to the income statement</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Net foreign investments hedges</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="nump">136<span></span>
</td>
<td class="nump">420<span></span>
</td>
<td class="num">(1,888)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Net foreign investments hedges | C) Designated elements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="nump">136<span></span>
</td>
<td class="nump">420<span></span>
</td>
<td class="num">(1,888)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss', window );">Ineffective recognised in the income statement</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Reclassified amount of reserves to the income statement</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Net foreign investments hedges | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="nump">136<span></span>
</td>
<td class="nump">420<span></span>
</td>
<td class="num">(1,888)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Net foreign investments hedges | Currency risk | C) Designated elements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings/(losses) recognised in another cumulative overall result</a></td>
<td class="nump">136<span></span>
</td>
<td class="nump">420<span></span>
</td>
<td class="num">(1,888)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss', window );">Ineffective recognised in the income statement</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Reclassified amount of reserves to the income statement</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 24C<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24C_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 24C<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24C_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 62<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_62_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 62<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_62_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 62<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_62_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 62<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_62_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gain (Loss) On Hedging Instrument Recognised In Other Comprehensive Income</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of reclassification adjustments on hedges for which the hedged item affected profit or loss, before tax.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember</td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Hedging derivatives - Schedule of movement in hedging components in other comprehensive income (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfHedgingInstruments', window );">Balance at beginning of year</a></td>
<td class="num">&#8364; (8,300)<span></span>
</td>
<td class="num">&#8364; (9,424)<span></span>
</td>
<td class="num">&#8364; (9,187)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReserveOfHedgingInstruments', window );">Balance at end of year</a></td>
<td class="num">(7,445)<span></span>
</td>
<td class="num">(8,300)<span></span>
</td>
<td class="num">(9,424)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">1,049<span></span>
</td>
<td class="nump">558<span></span>
</td>
<td class="nump">2,592<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">1,155<span></span>
</td>
<td class="nump">163<span></span>
</td>
<td class="nump">2,179<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="num">(229)<span></span>
</td>
<td class="nump">312<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Interest rate and exchange rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">8<span></span>
</td>
<td class="nump">155<span></span>
</td>
<td class="nump">164<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Inflation risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">131<span></span>
</td>
<td class="num">(70)<span></span>
</td>
<td class="nump">233<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossInValueRecognisedInEquity', window );">Gain or loss in value - recognized in equity</a></td>
<td class="nump">211<span></span>
</td>
<td class="num">(139)<span></span>
</td>
<td class="nump">105<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Amounts transferred to income statements</a></td>
<td class="num">(80)<span></span>
</td>
<td class="nump">69<span></span>
</td>
<td class="nump">128<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember', window );">Cash flow hedges | Equity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="num">(16)<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">136<span></span>
</td>
<td class="nump">420<span></span>
</td>
<td class="num">(1,888)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome', window );">Minorities, taxes and others</a></td>
<td class="num">(330)<span></span>
</td>
<td class="nump">146<span></span>
</td>
<td class="num">(941)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember', window );">Hedges of net investments in foreign operations | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">136<span></span>
</td>
<td class="nump">420<span></span>
</td>
<td class="num">(1,888)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember', window );">Fair value hedges | Interest rate and exchange rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_NotDesignatedItemsByTimePeriodMember', window );">A) Not designated elements - linked to a time period | Cash flow hedges | Interest rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="num">(19)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossInValueRecognisedInEquity', window );">Gain or loss in value - recognized in equity</a></td>
<td class="num">(19)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Amounts transferred to income statements</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReclassificationAdjustmentsReserveOfHedgingInstruments', window );">Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_NotDesignatedItemsByTimePeriodMember', window );">A) Not designated elements - linked to a time period | Cash flow hedges | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossInValueRecognisedInEquity', window );">Gain or loss in value - recognized in equity</a></td>
<td class="nump">26<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Amounts transferred to income statements</a></td>
<td class="num">(15)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReclassificationAdjustmentsReserveOfHedgingInstruments', window );">Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_NotDesignatedItemsByTimePeriodMember', window );">A) Not designated elements - linked to a time period | Cash flow hedges | Interest rate and exchange rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_NotDesignatedItemsByTimePeriodMember', window );">A) Not designated elements - linked to a time period | Cash flow hedges | Equity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="num">(6)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossInValueRecognisedInEquity', window );">Gain or loss in value - recognized in equity</a></td>
<td class="num">(8)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Amounts transferred to income statements</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReclassificationAdjustmentsReserveOfHedgingInstruments', window );">Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_NotDesignatedItemsByTimePeriodMember', window );">A) Not designated elements - linked to a time period | Hedges of net investments in foreign operations | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_NotDesignatedItemsByTimePeriodMember', window );">A) Not designated elements - linked to a time period | Fair value hedges | Interest rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_NotDesignatedItemsByTimePeriodMember', window );">A) Not designated elements - linked to a time period | Fair value hedges | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_NotDesignatedItemsByTimePeriodMember', window );">A) Not designated elements - linked to a time period | Fair value hedges | Interest rate and exchange rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_NotDesignatedItemsByTransactionMember', window );">B) Not designated elements - linked to a transaction | Cash flow hedges | Interest rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_NotDesignatedItemsByTransactionMember', window );">B) Not designated elements - linked to a transaction | Cash flow hedges | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_NotDesignatedItemsByTransactionMember', window );">B) Not designated elements - linked to a transaction | Cash flow hedges | Interest rate and exchange rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_NotDesignatedItemsByTransactionMember', window );">B) Not designated elements - linked to a transaction | Cash flow hedges | Equity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_NotDesignatedItemsByTransactionMember', window );">B) Not designated elements - linked to a transaction | Hedges of net investments in foreign operations | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_NotDesignatedItemsByTransactionMember', window );">B) Not designated elements - linked to a transaction | Fair value hedges | Interest rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_NotDesignatedItemsByTransactionMember', window );">B) Not designated elements - linked to a transaction | Fair value hedges | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_NotDesignatedItemsByTransactionMember', window );">B) Not designated elements - linked to a transaction | Fair value hedges | Interest rate and exchange rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_DesignatedItemsMember', window );">C) Designated elements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">1,199<span></span>
</td>
<td class="nump">978<span></span>
</td>
<td class="nump">704<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Amounts transferred to income statements</a></td>
<td class="nump">706<span></span>
</td>
<td class="nump">1,256<span></span>
</td>
<td class="nump">2,622<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_DesignatedItemsMember', window );">C) Designated elements | Cash flow hedges</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">1,063<span></span>
</td>
<td class="nump">558<span></span>
</td>
<td class="nump">2,592<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Amounts transferred to income statements</a></td>
<td class="nump">706<span></span>
</td>
<td class="nump">1,256<span></span>
</td>
<td class="nump">2,622<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_DesignatedItemsMember', window );">C) Designated elements | Cash flow hedges | Interest rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">1,174<span></span>
</td>
<td class="nump">163<span></span>
</td>
<td class="nump">2,179<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossInValueRecognisedInEquity', window );">Gain or loss in value - recognized in equity</a></td>
<td class="nump">536<span></span>
</td>
<td class="num">(1,003)<span></span>
</td>
<td class="nump">532<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Amounts transferred to income statements</a></td>
<td class="nump">638<span></span>
</td>
<td class="nump">1,166<span></span>
</td>
<td class="nump">1,647<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_DesignatedItemsMember', window );">C) Designated elements | Cash flow hedges | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="num">(240)<span></span>
</td>
<td class="nump">312<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossInValueRecognisedInEquity', window );">Gain or loss in value - recognized in equity</a></td>
<td class="num">(155)<span></span>
</td>
<td class="nump">631<span></span>
</td>
<td class="num">(409)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Amounts transferred to income statements</a></td>
<td class="num">(85)<span></span>
</td>
<td class="num">(319)<span></span>
</td>
<td class="nump">416<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_DesignatedItemsMember', window );">C) Designated elements | Cash flow hedges | Interest rate and exchange rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">8<span></span>
</td>
<td class="nump">155<span></span>
</td>
<td class="nump">164<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossInValueRecognisedInEquity', window );">Gain or loss in value - recognized in equity</a></td>
<td class="num">(225)<span></span>
</td>
<td class="num">(185)<span></span>
</td>
<td class="nump">267<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Amounts transferred to income statements</a></td>
<td class="nump">233<span></span>
</td>
<td class="nump">340<span></span>
</td>
<td class="nump">431<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_DesignatedItemsMember', window );">C) Designated elements | Cash flow hedges | Inflation risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">131<span></span>
</td>
<td class="num">(70)<span></span>
</td>
<td class="nump">233<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Amounts transferred to income statements</a></td>
<td class="num">(80)<span></span>
</td>
<td class="nump">69<span></span>
</td>
<td class="nump">128<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_DesignatedItemsMember', window );">C) Designated elements | Cash flow hedges | Equity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="num">(10)<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossInValueRecognisedInEquity', window );">Gain or loss in value - recognized in equity</a></td>
<td class="num">(10)<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Amounts transferred to income statements</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_DesignatedItemsMember', window );">C) Designated elements | Hedges of net investments in foreign operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">136<span></span>
</td>
<td class="nump">420<span></span>
</td>
<td class="num">(1,888)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Amounts transferred to income statements</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DesignatedAndNotDesignatedItemsAxis=san_DesignatedItemsMember', window );">C) Designated elements | Hedges of net investments in foreign operations | Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems', window );"><strong>Disclosure of detailed information about hedged items [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome', window );">Earnings (losses) recognized in other comprehensive income</a></td>
<td class="nump">136<span></span>
</td>
<td class="nump">420<span></span>
</td>
<td class="num">(1,888)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainLossInValueRecognisedInEquity', window );">Gain or loss in value - recognized in equity</a></td>
<td class="nump">136<span></span>
</td>
<td class="nump">420<span></span>
</td>
<td class="num">(1,888)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax', window );">Amounts transferred to income statements</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfDetailedInformationAboutHedgedItemsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GainLossInValueRecognisedInEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of Other reclassification adjustments on cash flow hedges for which the hedged item affected profit or loss, before tax.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainLossInValueRecognisedInEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gain (Loss) On Hedging Instrument Recognised In Other Comprehensive Income</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of minorities relating to amounts recognised in other comprehensive income in relation to cash flow hedges.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherReclassificationAdjustmentsReserveOfHedgingInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Reclassification Adjustments, Reserve Of Hedging Instruments</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherReclassificationAdjustmentsReserveOfHedgingInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of reclassification adjustments on hedges for which the hedged item affected profit or loss, before tax.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ReserveOfHedgingInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Reserve Of Hedging Instruments</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ReserveOfHedgingInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfHedgesAxis=ifrs-full_CashFlowHedgesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=san_InterestRateAndExchangeRateRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_InterestRateAndExchangeRateRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=san_InflationRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_InflationRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=san_MarketValueOfEquityMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_MarketValueOfEquityMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfHedgesAxis=ifrs-full_HedgesOfNetInvestmentInForeignOperationsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfHedgesAxis=ifrs-full_FairValueHedgesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DesignatedAndNotDesignatedItemsAxis=san_NotDesignatedItemsByTimePeriodMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DesignatedAndNotDesignatedItemsAxis=san_NotDesignatedItemsByTimePeriodMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DesignatedAndNotDesignatedItemsAxis=san_NotDesignatedItemsByTransactionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DesignatedAndNotDesignatedItemsAxis=san_NotDesignatedItemsByTransactionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td></td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Discontinued operations - Discontinued operations, Condensed financial statements (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1">8 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Aug. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CondensedFinancialStatementsCaptionsLineItems', window );"><strong>Condensed Financial Statements, Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit/(loss) after tax from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,542.0<span></span>
</td>
<td class="nump">&#8364; 1,241.0<span></span>
</td>
<td class="nump">&#8364; 1,058.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfProfitOrLossAndOtherComprehensiveIncomeAbstract', window );"><strong>Condensed consolidated income statements</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromInterest', window );">Interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">101,710.0<span></span>
</td>
<td class="nump">109,012.0<span></span>
</td>
<td class="nump">101,742.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromDividends', window );">Dividend income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">715.0<span></span>
</td>
<td class="nump">710.0<span></span>
</td>
<td class="nump">568.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod', window );">Investments accounted for using the equity method</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">665.0<span></span>
</td>
<td class="nump">687.0<span></span>
</td>
<td class="nump">591.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net commissions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,976.0<span></span>
</td>
<td class="nump">12,376.0<span></span>
</td>
<td class="nump">11,495.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherOperatingIncomeExpense', window );">Other operating results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(846.0)<span></span>
</td>
<td class="num">(1,749.0)<span></span>
</td>
<td class="num">(1,929.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">58,311.0<span></span>
</td>
<td class="nump">58,043.0<span></span>
</td>
<td class="nump">53,951.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="nump">&#8364; 6,193.0<span></span>
</td>
<td class="nump">18,681.0<span></span>
</td>
<td class="nump">17,347.0<span></span>
</td>
<td class="nump">15,005.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="num">&#8364; (635.0)<span></span>
</td>
<td class="num">(4,723.0)<span></span>
</td>
<td class="num">(4,844.0)<span></span>
</td>
<td class="num">(3,880.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">15,500.0<span></span>
</td>
<td class="nump">13,744.0<span></span>
</td>
<td class="nump">12,183.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember', window );">Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CondensedFinancialStatementsCaptionsLineItems', window );"><strong>Condensed Financial Statements, Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit/(loss) after tax from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,542.0<span></span>
</td>
<td class="nump">1,241.0<span></span>
</td>
<td class="nump">1,058.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ContinuingAndDiscontinuedOperationsAxis=ifrs-full_DiscontinuedOperationsMember', window );">Discontinued operations | Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfProfitOrLossAndOtherComprehensiveIncomeAbstract', window );"><strong>Condensed consolidated income statements</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromInterest', window );">Interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,006.0<span></span>
</td>
<td class="nump">2,881.0<span></span>
</td>
<td class="nump">2,611.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromDividends', window );">Dividend income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.0<span></span>
</td>
<td class="nump">4.0<span></span>
</td>
<td class="nump">3.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod', window );">Investments accounted for using the equity method</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">28.0<span></span>
</td>
<td class="nump">24.0<span></span>
</td>
<td class="nump">22.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net commissions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">685.0<span></span>
</td>
<td class="nump">634.0<span></span>
</td>
<td class="nump">562.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TradingIncomeExpense', window );">Net trading income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">74.0<span></span>
</td>
<td class="nump">62.0<span></span>
</td>
<td class="nump">68.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherOperatingIncomeExpense', window );">Other operating results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(77.0)<span></span>
</td>
<td class="num">(109.0)<span></span>
</td>
<td class="num">(94.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,720.0<span></span>
</td>
<td class="nump">3,496.0<span></span>
</td>
<td class="nump">3,172.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdministrativeExpensesDepreciationAndAmortisationCost', window );">Administrative expenses, depreciation and amortisation cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,014.0)<span></span>
</td>
<td class="num">(885.0)<span></span>
</td>
<td class="num">(793.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss', window );">Impairment losses charged to income for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(285.0)<span></span>
</td>
<td class="num">(508.0)<span></span>
</td>
<td class="num">(658.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherResultsAndProvisions', window );">Other results and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(471.0)<span></span>
</td>
<td class="num">(423.0)<span></span>
</td>
<td class="num">(267.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,950.0<span></span>
</td>
<td class="nump">1,680.0<span></span>
</td>
<td class="nump">1,454.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(408.0)<span></span>
</td>
<td class="num">(439.0)<span></span>
</td>
<td class="num">(396.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,542.0<span></span>
</td>
<td class="nump">1,241.0<span></span>
</td>
<td class="nump">1,058.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfProvisionsAxis=san_RenegotiationAndContractualModificationsMember', window );">Renegotiation and contractual modifications | Discontinued operations | Santander Bank Polska S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfProfitOrLossAndOtherComprehensiveIncomeAbstract', window );"><strong>Condensed consolidated income statements</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss', window );">Impairment losses charged to income for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">&#8364; (144.0)<span></span>
</td>
<td class="num">&#8364; (334.0)<span></span>
</td>
<td class="num">&#8364; (457.0)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FeeAndCommissionIncomeExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FeeAndCommissionIncomeExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GrossProfit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GrossProfit</td>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 133<br> -Subparagraph a<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_133_a_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxExpenseContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph b<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_b_viii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 79<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_79&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_g&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 192<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_192&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 192<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_192&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxExpenseContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherOperatingIncomeExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherOperatingIncomeExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses from continuing and discontinued operations, excluding the components of other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 113<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause vii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_vii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 98<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_98_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph ea<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_ea&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RevenueFromDividends">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RevenueFromDividends</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RevenueFromInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income arising from interest.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_e&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RevenueFromInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_StatementOfProfitOrLossAndOtherComprehensiveIncomeAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_StatementOfProfitOrLossAndOtherComprehensiveIncomeAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TradingIncomeExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TradingIncomeExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AdministrativeExpensesDepreciationAndAmortisationCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Administrative Expenses, Depreciation And Amortisation Cost</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AdministrativeExpensesDepreciationAndAmortisationCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherResultsAndProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Results And Provisions</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherResultsAndProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CondensedFinancialStatementsCaptionsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 12<br> -Subsection 04<br> -Paragraph a<br> -Publisher SEC<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 5<br> -Subsection 04<br> -Paragraph c<br> -Subparagraph Schedule I<br> -Publisher SEC<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 7<br> -Subsection 05<br> -Paragraph c<br> -Subparagraph Schedule II<br> -Publisher SEC<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 9<br> -Subsection 06<br> -Publisher SEC<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CondensedFinancialStatementsCaptionsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankPolskaSAMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ContinuingAndDiscontinuedOperationsAxis=ifrs-full_DiscontinuedOperationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ContinuingAndDiscontinuedOperationsAxis=ifrs-full_DiscontinuedOperationsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=san_RenegotiationAndContractualModificationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_RenegotiationAndContractualModificationsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Interest income (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AnalysisOfIncomeAndExpenseAbstract', window );"><strong>Analysis of income and expense [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestIncomeOnLoansAndAdvancesToCustomers', window );">Loans and advances,&#160;customers</a></td>
<td class="nump">&#8364; 70,830<span></span>
</td>
<td class="nump">&#8364; 74,900<span></span>
</td>
<td class="nump">&#8364; 67,879<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestIncomeOnDebtInstrumentsHeld', window );">Debt instruments</a></td>
<td class="nump">15,890<span></span>
</td>
<td class="nump">15,431<span></span>
</td>
<td class="nump">13,955<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InterestIncomeOnLoansAndAdvancesToBanksAndCreditInstitutions', window );">Loans and advances,&#160;central banks and credit institutions</a></td>
<td class="nump">7,599<span></span>
</td>
<td class="nump">8,195<span></span>
</td>
<td class="nump">7,229<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InterestIncomeOnFinancialAssetsOtherThanLoansAndAdvancesAndDebtInstruments', window );">Other interest</a></td>
<td class="nump">7,391<span></span>
</td>
<td class="nump">10,486<span></span>
</td>
<td class="nump">12,679<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromInterest', window );">Total interest income</a></td>
<td class="nump">&#8364; 101,710<span></span>
</td>
<td class="nump">&#8364; 109,012<span></span>
</td>
<td class="nump">&#8364; 101,742<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AnalysisOfIncomeAndExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AnalysisOfIncomeAndExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestIncomeOnDebtInstrumentsHeld">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestIncomeOnDebtInstrumentsHeld</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestIncomeOnLoansAndAdvancesToCustomers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestIncomeOnLoansAndAdvancesToCustomers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RevenueFromInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income arising from interest.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_e&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RevenueFromInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InterestIncomeOnFinancialAssetsOtherThanLoansAndAdvancesAndDebtInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of interest income on financial assets other than loans and advances and debt instruments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InterestIncomeOnFinancialAssetsOtherThanLoansAndAdvancesAndDebtInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InterestIncomeOnLoansAndAdvancesToBanksAndCreditInstitutions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest Income On Loans And Advances To Banks And Credit Institutions</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InterestIncomeOnLoansAndAdvancesToBanksAndCreditInstitutions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Interest expense (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AnalysisOfIncomeAndExpenseAbstract', window );"><strong>Analysis of income and expense [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestExpenseOnDepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">&#8364; 31,735<span></span>
</td>
<td class="nump">&#8364; 35,714<span></span>
</td>
<td class="nump">&#8364; 32,457<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestExpenseOnDebtInstrumentsIssued', window );">Debt securities issued and subordinated liabilities</a></td>
<td class="nump">15,066<span></span>
</td>
<td class="nump">14,612<span></span>
</td>
<td class="nump">12,671<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InterestExpenseOnDebtInstrumentsIssuedMarketableDebtSecurities', window );">Marketable debt securities</a></td>
<td class="nump">13,580<span></span>
</td>
<td class="nump">13,255<span></span>
</td>
<td class="nump">11,661<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InterestExpenseOnDebtInstrumentsIssuedSubordinatedLiabilities', window );">Subordinated liabilities (note&#160;23)</a></td>
<td class="nump">1,486<span></span>
</td>
<td class="nump">1,357<span></span>
</td>
<td class="nump">1,010<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InterestExpenseOnLiabilitiesDueToCentralBanksAndCreditInstitutionsDeposits', window );">Central banks and credit institution deposits</a></td>
<td class="nump">8,151<span></span>
</td>
<td class="nump">9,381<span></span>
</td>
<td class="nump">9,360<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestExpenseOnLeaseLiabilities', window );">Lease Liabilities</a></td>
<td class="nump">107<span></span>
</td>
<td class="nump">122<span></span>
</td>
<td class="nump">127<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PensionInterestExpenseChargedToProvision', window );">Provisions for pensions (note&#160;25)</a></td>
<td class="nump">91<span></span>
</td>
<td class="nump">105<span></span>
</td>
<td class="nump">93<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestExpenseOnOtherFinancialLiabilities', window );">Other interest expense</a></td>
<td class="nump">4,212<span></span>
</td>
<td class="nump">5,291<span></span>
</td>
<td class="nump">6,384<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestExpense', window );">Interest expense</a></td>
<td class="nump">&#8364; 59,362<span></span>
</td>
<td class="nump">&#8364; 65,225<span></span>
</td>
<td class="nump">&#8364; 61,092<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AnalysisOfIncomeAndExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AnalysisOfIncomeAndExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of expense arising from interest.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestExpenseOnDebtInstrumentsIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestExpenseOnDebtInstrumentsIssued</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestExpenseOnDepositsFromCustomers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestExpenseOnDepositsFromCustomers</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestExpenseOnLeaseLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 53<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_53_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 115<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_115_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 115<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_115_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestExpenseOnLeaseLiabilities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestExpenseOnOtherFinancialLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestExpenseOnOtherFinancialLiabilities</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of interest expense on debt instruments issued as marketable debt securities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InterestExpenseOnDebtInstrumentsIssuedMarketableDebtSecurities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InterestExpenseOnDebtInstrumentsIssuedSubordinatedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of interest expense for the accruals on subordinated liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InterestExpenseOnDebtInstrumentsIssuedSubordinatedLiabilities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InterestExpenseOnLiabilitiesDueToCentralBanksAndCreditInstitutionsDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest Expense On Liabilities Due To Central Banks And Credit Institutions Deposits</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InterestExpenseOnLiabilitiesDueToCentralBanksAndCreditInstitutionsDeposits</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PensionInterestExpenseChargedToProvision">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Pension Interest Expense Charged To Provision</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PensionInterestExpenseChargedToProvision</td>
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<td>san_</td>
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<td>debit</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Dividend income (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromDividends', window );">Dividend income</a></td>
<td class="nump">&#8364; 715<span></span>
</td>
<td class="nump">&#8364; 710<span></span>
</td>
<td class="nump">&#8364; 568<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromDividends', window );">Dividend income</a></td>
<td class="nump">556<span></span>
</td>
<td class="nump">521<span></span>
</td>
<td class="nump">414<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromDividends', window );">Dividend income</a></td>
<td class="nump">57<span></span>
</td>
<td class="nump">71<span></span>
</td>
<td class="nump">68<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialAssetsLineItems', window );"><strong>Disclosure of financial assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromDividends', window );">Dividend income</a></td>
<td class="nump">&#8364; 102<span></span>
</td>
<td class="nump">&#8364; 118<span></span>
</td>
<td class="nump">&#8364; 86<span></span>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialAssetsLineItems">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RevenueFromDividends</td>
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<tr>
<td><strong> Name:</strong></td>
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<td><strong> Name:</strong></td>
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<td><strong> Name:</strong></td>
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<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Commission income (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FeeAndCommissionIncomeCollectionAndPaymentServicesAbstract', window );"><strong>Coming from collection and payment services</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditRelatedFeeAndCommissionIncomeBills', window );">Bills</a></td>
<td class="nump">&#8364; 209<span></span>
</td>
<td class="nump">&#8364; 220<span></span>
</td>
<td class="nump">&#8364; 232<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditRelatedFeeAndCommissionIncomeDemandAccounts', window );">Demand accounts</a></td>
<td class="nump">1,359<span></span>
</td>
<td class="nump">1,411<span></span>
</td>
<td class="nump">1,372<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditRelatedFeeAndCommissionIncomeCards', window );">Cards</a></td>
<td class="nump">4,039<span></span>
</td>
<td class="nump">4,067<span></span>
</td>
<td class="nump">4,146<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditRelatedFeeAndCommissionIncomeOrders', window );">Orders</a></td>
<td class="nump">607<span></span>
</td>
<td class="nump">657<span></span>
</td>
<td class="nump">656<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditRelatedFeeAndCommissionIncomeChequesAndOther', window );">Cheques and other</a></td>
<td class="nump">140<span></span>
</td>
<td class="nump">138<span></span>
</td>
<td class="nump">128<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditrelatedFeeAndCommissionIncome', window );">Coming from collection and payment services</a></td>
<td class="nump">6,354<span></span>
</td>
<td class="nump">6,493<span></span>
</td>
<td class="nump">6,534<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FeeAndCommissionIncomeMarketingOfNonbankingFinancialProductsAbstract', window );"><strong>Coming from non-banking financial products</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PortfolioAndOtherManagementFeeIncomeInvestmentFunds', window );">Investment funds</a></td>
<td class="nump">1,428<span></span>
</td>
<td class="nump">1,389<span></span>
</td>
<td class="nump">1,037<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PortfolioAndOtherManagementFeeIncomePensionFunds', window );">Pension funds</a></td>
<td class="nump">238<span></span>
</td>
<td class="nump">194<span></span>
</td>
<td class="nump">178<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PortfolioAndOtherManagementFeeIncomeInsurance', window );">Insurance</a></td>
<td class="nump">2,782<span></span>
</td>
<td class="nump">2,865<span></span>
</td>
<td class="nump">2,669<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PortfolioAndOtherManagementFeeIncome', window );">Coming from non-banking financial products</a></td>
<td class="nump">4,448<span></span>
</td>
<td class="nump">4,448<span></span>
</td>
<td class="nump">3,884<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FeeAndCommissionIncomeSecuritiesServicesAbstract', window );"><strong>Coming from Securities services</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_BrokerageFeeIncomeSecuritiesUnderwritingAndPlacement', window );">Securities underwriting and placement</a></td>
<td class="nump">602<span></span>
</td>
<td class="nump">586<span></span>
</td>
<td class="nump">502<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_BrokerageFeeIncomeSecuritiesTrading', window );">Securities trading</a></td>
<td class="nump">654<span></span>
</td>
<td class="nump">452<span></span>
</td>
<td class="nump">331<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_BrokerageFeeIncomeAdministrationAndCustody', window );">Administration and custody</a></td>
<td class="nump">402<span></span>
</td>
<td class="nump">370<span></span>
</td>
<td class="nump">354<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_BrokerageFeeIncomeAssetManagement', window );">Asset management</a></td>
<td class="nump">385<span></span>
</td>
<td class="nump">254<span></span>
</td>
<td class="nump">341<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BrokerageFeeIncome', window );">Coming from Securities services</a></td>
<td class="nump">2,043<span></span>
</td>
<td class="nump">1,662<span></span>
</td>
<td class="nump">1,528<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FeeAndCommissionIncomeOtherAbstract', window );"><strong>Other</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherFeeAndCommissionIncomeForeignExchange', window );">Foreign exchange</a></td>
<td class="nump">848<span></span>
</td>
<td class="nump">705<span></span>
</td>
<td class="nump">678<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherFeeAndCommissionIncomeFinancialGuarantees', window );">Commitments and financial guarantees</a></td>
<td class="nump">718<span></span>
</td>
<td class="nump">713<span></span>
</td>
<td class="nump">621<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherFeeAndCommissionIncomeCommitmentFees', window );">Commitment fees</a></td>
<td class="nump">504<span></span>
</td>
<td class="nump">491<span></span>
</td>
<td class="nump">497<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherFeeAndCommissionIncomeStructureFinance', window );">Structure Finance</a></td>
<td class="nump">902<span></span>
</td>
<td class="nump">709<span></span>
</td>
<td class="nump">551<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherFeeAndCommissionIncomeCorporateFinance', window );">Corporate Finance</a></td>
<td class="nump">243<span></span>
</td>
<td class="nump">213<span></span>
</td>
<td class="nump">136<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherFeeAndCommissionIncomeLoansGranted', window );">Loans granted</a></td>
<td class="nump">259<span></span>
</td>
<td class="nump">318<span></span>
</td>
<td class="nump">259<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherFeeAndCommissionIncomeLoanServicingActivies', window );">Loan Servicing activities</a></td>
<td class="nump">118<span></span>
</td>
<td class="nump">130<span></span>
</td>
<td class="nump">45<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherFeeAndCommissionIncomeOtherFeesAndCommissions', window );">Other fees and commissions</a></td>
<td class="nump">950<span></span>
</td>
<td class="nump">952<span></span>
</td>
<td class="nump">911<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherFeeAndCommissionIncome', window );">Other</a></td>
<td class="nump">4,542<span></span>
</td>
<td class="nump">4,231<span></span>
</td>
<td class="nump">3,698<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncome', window );">Total commission income</a></td>
<td class="nump">&#8364; 17,387<span></span>
</td>
<td class="nump">&#8364; 16,834<span></span>
</td>
<td class="nump">&#8364; 15,644<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BrokerageFeeIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BrokerageFeeIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditrelatedFeeAndCommissionIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditrelatedFeeAndCommissionIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FeeAndCommissionIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FeeAndCommissionIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherFeeAndCommissionIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherFeeAndCommissionIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PortfolioAndOtherManagementFeeIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PortfolioAndOtherManagementFeeIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_BrokerageFeeIncomeAdministrationAndCustody">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income recognised for brokerage fees charged by the entity from administration and custody.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_BrokerageFeeIncomeAdministrationAndCustody</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_BrokerageFeeIncomeAssetManagement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income recognised for brokerage fees charged by the entity for income asset management.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_BrokerageFeeIncomeAssetManagement</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_BrokerageFeeIncomeSecuritiesTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income recognised for brokerage fees charged by the entity from trading securities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_BrokerageFeeIncomeSecuritiesTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_BrokerageFeeIncomeSecuritiesUnderwritingAndPlacement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income recognised for brokerage fees charged by the entity from underwriting and placement of securities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_BrokerageFeeIncomeSecuritiesUnderwritingAndPlacement</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CreditRelatedFeeAndCommissionIncomeBills">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income recognised from credit-related fees and commissions from bills.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CreditRelatedFeeAndCommissionIncomeBills</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CreditRelatedFeeAndCommissionIncomeCards">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income recognised from credit-related fees and commissions from cards.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CreditRelatedFeeAndCommissionIncomeCards</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CreditRelatedFeeAndCommissionIncomeChequesAndOther">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income recognised from credit-related fees and commissions from cheques and other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CreditRelatedFeeAndCommissionIncomeChequesAndOther</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CreditRelatedFeeAndCommissionIncomeDemandAccounts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income recognised from credit-related fees and commissions from demand accounts.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CreditRelatedFeeAndCommissionIncomeDemandAccounts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CreditRelatedFeeAndCommissionIncomeOrders">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income recognised from credit-related fees and commissions from orders.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CreditRelatedFeeAndCommissionIncomeOrders</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_FeeAndCommissionIncomeCollectionAndPaymentServicesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>n/a.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FeeAndCommissionIncomeCollectionAndPaymentServicesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_FeeAndCommissionIncomeMarketingOfNonbankingFinancialProductsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>n/a.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FeeAndCommissionIncomeMarketingOfNonbankingFinancialProductsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_FeeAndCommissionIncomeOtherAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>n/a.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FeeAndCommissionIncomeOtherAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_FeeAndCommissionIncomeSecuritiesServicesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>n/a.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FeeAndCommissionIncomeSecuritiesServicesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherFeeAndCommissionIncomeCommitmentFees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other fee and commission income from commitment fees.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherFeeAndCommissionIncomeCommitmentFees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherFeeAndCommissionIncomeCorporateFinance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Fee And Commission Income, Corporate Finance</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherFeeAndCommissionIncomeCorporateFinance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherFeeAndCommissionIncomeFinancialGuarantees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other fee and commission income from financial guarantees.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherFeeAndCommissionIncomeFinancialGuarantees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherFeeAndCommissionIncomeForeignExchange">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other fee and commission income from foreign exchange transactions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherFeeAndCommissionIncomeForeignExchange</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherFeeAndCommissionIncomeLoanServicingActivies">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Fee And Commission Income, Loan Servicing Activies</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherFeeAndCommissionIncomeLoanServicingActivies</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherFeeAndCommissionIncomeLoansGranted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Fee And Commission Income, Loans Granted</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherFeeAndCommissionIncomeLoansGranted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherFeeAndCommissionIncomeOtherFeesAndCommissions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other fee and commission income from other fees and commissions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherFeeAndCommissionIncomeOtherFeesAndCommissions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherFeeAndCommissionIncomeStructureFinance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Fee And Commission Income, Structure Finance</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherFeeAndCommissionIncomeStructureFinance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PortfolioAndOtherManagementFeeIncomeInsurance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income recognised from portfolio and other management fees from insurance.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PortfolioAndOtherManagementFeeIncomeInsurance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PortfolioAndOtherManagementFeeIncomeInvestmentFunds">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income recognised from portfolio and other management fees from investment funds.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PortfolioAndOtherManagementFeeIncomeInvestmentFunds</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PortfolioAndOtherManagementFeeIncomePensionFunds">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income recognised from portfolio and other management fees from pension funds.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PortfolioAndOtherManagementFeeIncomePensionFunds</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>370
<FILENAME>R288.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Commission expense (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionExpenseAbstract', window );"><strong>Fee and commission expense [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssignedThirdPartyCommissionsCardsExpense', window );">Cards</a></td>
<td class="nump">&#8364; 1,744<span></span>
</td>
<td class="nump">&#8364; 1,816<span></span>
</td>
<td class="nump">&#8364; 1,858<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssignedThirdPartyCommissionsCollectionExpense', window );">By collection and return of effects</a></td>
<td class="nump">30<span></span>
</td>
<td class="nump">30<span></span>
</td>
<td class="nump">24<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments', window );">Financial guarantees and other commitments</a></td>
<td class="nump">359<span></span>
</td>
<td class="nump">323<span></span>
</td>
<td class="nump">282<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BrokerageFeeExpense', window );">Brokerages and intermediaries</a></td>
<td class="nump">130<span></span>
</td>
<td class="nump">181<span></span>
</td>
<td class="nump">204<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommissionsOnSalesOfInsuranceAndFunds', window );">Sales of insurance and funds</a></td>
<td class="nump">456<span></span>
</td>
<td class="nump">453<span></span>
</td>
<td class="nump">352<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherFeeAndCommissionExpense', window );">Other fees and commissions</a></td>
<td class="nump">1,692<span></span>
</td>
<td class="nump">1,655<span></span>
</td>
<td class="nump">1,429<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionExpense', window );">Total commission expense</a></td>
<td class="nump">&#8364; 4,411<span></span>
</td>
<td class="nump">&#8364; 4,458<span></span>
</td>
<td class="nump">&#8364; 4,149<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BrokerageFeeExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BrokerageFeeExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FeeAndCommissionExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FeeAndCommissionExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FeeAndCommissionExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FeeAndCommissionExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherFeeAndCommissionExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherFeeAndCommissionExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AssignedThirdPartyCommissionsCardsExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of commissions assigned to third parties from cards.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AssignedThirdPartyCommissionsCardsExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AssignedThirdPartyCommissionsCollectionExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of commissions assigned to third parties from collection and return of effects.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AssignedThirdPartyCommissionsCollectionExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Assigned Third Party Commissions Expense, Financial Guarantees And Other Commitments</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CommissionsOnSalesOfInsuranceAndFunds">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Expense recognised for commissions incurred on sales of insurance and funds during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CommissionsOnSalesOfInsuranceAndFunds</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Gains or losses on financial assets and liabilities - Schedule of detail, by origin, of gains/losses on financial assets and liability (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet', window );">Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net</a></td>
<td class="nump">&#8364; 127<span></span>
</td>
<td class="num">&#8364; (117)<span></span>
</td>
<td class="nump">&#8364; 96<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost', window );">Financial assets at amortized cost</a></td>
<td class="num">(89)<span></span>
</td>
<td class="num">(190)<span></span>
</td>
<td class="num">(3)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet', window );">Other financial assets and liabilities</a></td>
<td class="nump">216<span></span>
</td>
<td class="nump">73<span></span>
</td>
<td class="nump">99<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading', window );">Gain or losses on financial assets and liabilities held for trading, net</a></td>
<td class="nump">1,017<span></span>
</td>
<td class="nump">1,344<span></span>
</td>
<td class="nump">2,316<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss</a></td>
<td class="nump">1,106<span></span>
</td>
<td class="nump">495<span></span>
</td>
<td class="nump">198<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss', window );">Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net</a></td>
<td class="num">(307)<span></span>
</td>
<td class="nump">691<span></span>
</td>
<td class="num">(92)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsOrLossesFromHedgeAccountingNet', window );">Gain or losses from hedge accounting, net</a></td>
<td class="nump">12<span></span>
</td>
<td class="nump">14<span></span>
</td>
<td class="nump">69<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesNet', window );">Gains/losses on financial assets and liabilities, net</a></td>
<td class="nump">1,955<span></span>
</td>
<td class="nump">2,427<span></span>
</td>
<td class="nump">2,587<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet', window );">Other financial assets and liabilities</a></td>
<td class="nump">&#8364; 133<span></span>
</td>
<td class="nump">&#8364; 50<span></span>
</td>
<td class="nump">&#8364; 51<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialInstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) on financial assets measured at amortised cost. [Refer: Financial assets at amortised cost]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -Subparagraph a<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_56_a_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -Subparagraph a<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20_a_vi&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -Subparagraph a<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_56_a_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnFinancialAssetsAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net amount of gains or losses on financial assets and liabilities at fair value through profit or loss.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of gains or losses on financial assets and liabilities held for trading.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net amount of gains or losses on financial assets and liabilities, net.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesOnFinancialAssetsAndLiabilitiesNet</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net amount of gains or losses on financial assets and liabilities not measured at fair value through profit or loss, net.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net amount of gains or losses on financial assets and liabilities not measured at fair value through profit or loss other than those measured at amortised cost.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GainsOrLossesFromHedgeAccountingNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net amount of gains or losses from hedge accounting recognized in profit or loss.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsOrLossesFromHedgeAccountingNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<head>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Gains or losses on financial assets and liabilities - Schedule of exchange differences, net (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnFinancialInstrumentsAbstract', window );"><strong>Gains (losses) on financial instruments [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss', window );">Foreign exchange gain (loss)</a></td>
<td class="nump">&#8364; 407<span></span>
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<td class="num">&#8364; (216)<span></span>
</td>
<td class="num">&#8364; (22)<span></span>
</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of exchange differences recognised in profit or loss that arise from foreign currency transactions, excluding those arising on financial instruments measured at fair value through profit or loss in accordance with IFRS 9. [Refer: At fair value [member]; Classes of financial instruments [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 21<br> -IssueDate 2025-01-01<br> -Paragraph 52<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_52_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 218<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_218_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 218<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_218_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_35&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnFinancialInstrumentsAbstract</td>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Gains or losses on financial assets and liabilities - Schedule of detail of asset balances measured at fair value through profit or loss (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Financial assets at fair value through profit or loss</a></td>
<td class="nump">&#8364; 268,125<span></span>
</td>
<td class="nump">&#8364; 244,298<span></span>
</td>
<td class="nump">&#8364; 192,604<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember', window );">Loans and advances</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Financial assets at fair value through profit or loss</a></td>
<td class="nump">80,218<span></span>
</td>
<td class="nump">72,931<span></span>
</td>
<td class="nump">51,072<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember', window );">Central banks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Financial assets at fair value through profit or loss</a></td>
<td class="nump">14,632<span></span>
</td>
<td class="nump">12,966<span></span>
</td>
<td class="nump">17,717<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Financial assets at fair value through profit or loss</a></td>
<td class="nump">26,380<span></span>
</td>
<td class="nump">27,722<span></span>
</td>
<td class="nump">14,520<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Financial assets at fair value through profit or loss</a></td>
<td class="nump">39,206<span></span>
</td>
<td class="nump">32,243<span></span>
</td>
<td class="nump">18,835<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Financial assets at fair value through profit or loss</a></td>
<td class="nump">101,707<span></span>
</td>
<td class="nump">85,990<span></span>
</td>
<td class="nump">66,079<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember', window );">Equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Financial assets at fair value through profit or loss</a></td>
<td class="nump">27,845<span></span>
</td>
<td class="nump">21,277<span></span>
</td>
<td class="nump">19,125<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember', window );">Derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Financial assets at fair value through profit or loss</a></td>
<td class="nump">&#8364; 58,355<span></span>
</td>
<td class="nump">&#8364; 64,100<span></span>
</td>
<td class="nump">&#8364; 56,328<span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialInstrumentsLineItems</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financial Assets At Fair Value Through Profit Or Loss And Non-Trading Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember</td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember</td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Gains or losses on financial assets and liabilities - Narrative (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Financial assets at fair value through profit or loss</a></td>
<td class="nump">&#8364; 268,125<span></span>
</td>
<td class="nump">&#8364; 244,298<span></span>
</td>
<td class="nump">&#8364; 192,604<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently', window );">Liabilities designated at fair value through profit or loss at initial recognition recognised in other comprehensive income</a></td>
<td class="num">(1,281)<span></span>
</td>
<td class="num">&#8364; (1,851)<span></span>
</td>
<td class="nump">&#8364; 866<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTradingRepurchaseAgreementAmount', window );">Repurchase agreements, value</a></td>
<td class="nump">75,562<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsAndCustomersMember', window );">Loans and advances - credit institutions and customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed', window );">Reverse repurchase agreements</a></td>
<td class="nump">71,129<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MortgageBackedAssets', window );">Mortgage backed assets</a></td>
<td class="nump">1,597<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_SpanishAndForeignGovernmentSecuritiesMember', window );">Spanish and foreign government securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Financial assets at fair value through profit or loss</a></td>
<td class="nump">&#8364; 80,908<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialInstrumentsLineItems</td>
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<td>xbrli:stringItemType</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of instruments purchased for resale in reverse repurchase agreements and cash collateral on securities borrowed. [Refer: Repurchase agreements and cash collateral on securities lent]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financial Assets At Fair Value Through Profit Or Loss And Non-Trading Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTradingRepurchaseAgreementAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financial Liabilities At Fair Value Through Profit Or Loss And Financial Liabilities At Fair Value Through Profit Or Loss That Meet The Definition Of Held For Trading, Repurchase Agreement, Amount</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTradingRepurchaseAgreementAmount</td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MortgageBackedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of mortgage backed assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MortgageBackedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsAndCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsAndCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_SpanishAndForeignGovernmentSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_SpanishAndForeignGovernmentSecuritiesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>375
<FILENAME>R293.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Gains or losses on financial assets and liabilities - Schedule of detail of liability balances measured at fair value through profit or loss (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading', window );">Financial liabilities at fair value through profit or loss</a></td>
<td class="nump">&#8364; 213,694<span></span>
</td>
<td class="nump">&#8364; 188,511<span></span>
</td>
<td class="nump">&#8364; 162,637<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading', window );">Financial liabilities at fair value through profit or loss</a></td>
<td class="nump">106,003<span></span>
</td>
<td class="nump">87,374<span></span>
</td>
<td class="nump">80,503<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading', window );">Financial liabilities at fair value through profit or loss</a></td>
<td class="nump">15,471<span></span>
</td>
<td class="nump">15,074<span></span>
</td>
<td class="nump">9,017<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading', window );">Financial liabilities at fair value through profit or loss</a></td>
<td class="nump">28,482<span></span>
</td>
<td class="nump">27,909<span></span>
</td>
<td class="nump">19,597<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading', window );">Financial liabilities at fair value through profit or loss</a></td>
<td class="nump">62,050<span></span>
</td>
<td class="nump">44,391<span></span>
</td>
<td class="nump">51,889<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading', window );">Financial liabilities at fair value through profit or loss</a></td>
<td class="nump">11,686<span></span>
</td>
<td class="nump">7,554<span></span>
</td>
<td class="nump">5,371<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_ShortPositionsMember', window );">Short positions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading', window );">Financial liabilities at fair value through profit or loss</a></td>
<td class="nump">44,015<span></span>
</td>
<td class="nump">35,830<span></span>
</td>
<td class="nump">26,174<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember', window );">Derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading', window );">Financial liabilities at fair value through profit or loss</a></td>
<td class="nump">51,968<span></span>
</td>
<td class="nump">57,753<span></span>
</td>
<td class="nump">50,589<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Financial instruments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading', window );">Financial liabilities at fair value through profit or loss</a></td>
<td class="nump">&#8364; 22<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialInstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financial Liabilities At Fair Value Through Profit Or Loss And Financial Liabilities At Fair Value Through Profit Or Loss That Meet The Definition Of Held For Trading</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember</td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<tr>
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<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_ShortPositionsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember">
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<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Other operating income and expenses (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AnalysisOfIncomeAndExpenseAbstract', window );"><strong>Analysis of income and expense [abstract]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncome1', window );">Other operating income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 1,583<span></span>
</td>
<td class="nump">&#8364; 846<span></span>
</td>
<td class="nump">&#8364; 1,137<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonFinancialServicesOtherIncomeOperating', window );">Non- financial services</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">738<span></span>
</td>
<td class="nump">654<span></span>
</td>
<td class="nump">752<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MiscellaneousOtherOperatingIncome', window );">Other operating income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">845<span></span>
</td>
<td class="nump">192<span></span>
</td>
<td class="nump">385<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingExpense', window );">Other operating expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,429)<span></span>
</td>
<td class="num">(2,595)<span></span>
</td>
<td class="num">(3,066)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonFinancialServicesOtherExpenseOperating', window );">Non-financial services</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(650)<span></span>
</td>
<td class="num">(498)<span></span>
</td>
<td class="num">(674)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MiscellaneousOtherOperatingExpense', window );">Other operating expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,779)<span></span>
</td>
<td class="num">(2,097)<span></span>
</td>
<td class="num">(2,392)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DepositGuaranteeFundMiscellaneousOtherOperatingExpense', window );">Of which, credit institutions deposit guarantee fund and single resolution fund</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(478)<span></span>
</td>
<td class="num">(481)<span></span>
</td>
<td class="num">(1,083)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherOperatingIncomeExpense', window );">Total other operating income and expenses</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">&#8364; (846)<span></span>
</td>
<td class="num">&#8364; (1,749)<span></span>
</td>
<td class="num">&#8364; (1,929)<span></span>
</td>
</tr>
<tr><td colspan="4"></td></tr>
<tr><td colspan="4"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top">Includes EUR -486 million at 31 December 2025 (EUR -1,225 and EUR -1,016 at 31 December 2024 and 2023, respectively) derived from the net loss generated in Argentina as a result of the application of IAS 29 <span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:115%">Financial reporting in hyperinflationary economies</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:115%"> </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> </span></td>
</tr></table></td></tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AnalysisOfIncomeAndExpenseAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MiscellaneousOtherOperatingExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MiscellaneousOtherOperatingExpense</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MiscellaneousOtherOperatingIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MiscellaneousOtherOperatingIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherOperatingIncomeExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DepositGuaranteeFundMiscellaneousOtherOperatingExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of deposit guarantee fund operating expense that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DepositGuaranteeFundMiscellaneousOtherOperatingExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NonFinancialServicesOtherExpenseOperating">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of non-financial services operating expense that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NonFinancialServicesOtherExpenseOperating</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NonFinancialServicesOtherIncomeOperating">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of non-financial services operating income that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NonFinancialServicesOtherIncomeOperating</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherOperatingExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of operating expense that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherOperatingExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherOperatingIncome1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Operating Income1</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherOperatingIncome1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<DOCUMENT>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Staff costs - Schedule of detail of staff costs (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract', window );"><strong>Classes of employee benefits expense [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_WagesAndSalaries', window );">Wages and salaries</a></td>
<td class="nump">&#8364; 10,351<span></span>
</td>
<td class="nump">&#8364; 10,567<span></span>
</td>
<td class="nump">&#8364; 10,042<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SocialSecurityContributions', window );">Social Security costs</a></td>
<td class="nump">1,680<span></span>
</td>
<td class="nump">1,644<span></span>
</td>
<td class="nump">1,576<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans', window );">Additions to provisions for defined benefit pension plans (note&#160;25)</a></td>
<td class="nump">41<span></span>
</td>
<td class="nump">45<span></span>
</td>
<td class="nump">42<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans', window );">Contributions to defined contribution pension funds</a></td>
<td class="nump">332<span></span>
</td>
<td class="nump">354<span></span>
</td>
<td class="nump">307<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherEmployeeExpense', window );">Other Staff costs</a></td>
<td class="nump">1,252<span></span>
</td>
<td class="nump">1,241<span></span>
</td>
<td class="nump">1,332<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EmployeeBenefitsExpense', window );">Total staff costs</a></td>
<td class="nump">&#8364; 13,656<span></span>
</td>
<td class="nump">&#8364; 13,851<span></span>
</td>
<td class="nump">&#8364; 13,299<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EmployeeBenefitsExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 133<br> -Subparagraph a<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_133_a_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 104<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_104&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EmployeeBenefitsExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherEmployeeExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 5<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_5&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherEmployeeExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 5<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_5&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 135<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_135_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 53<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_53&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 203<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_203&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 203<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_203&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PostemploymentBenefitExpenseDefinedContributionPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SocialSecurityContributions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 9<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_9&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SocialSecurityContributions</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_WagesAndSalaries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 9<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_9&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_WagesAndSalaries</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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</div>
</body>
</html>
</TEXT>
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<DOCUMENT>
<TYPE>XML
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Staff costs - Narrative (Details)<br></strong></div></th>
<th class="th" colspan="4">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>people </div>
<div>employee </div>
<div>&#163; / shares</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>employee </div>
<div>people </div>
<div>&#163; / shares</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>people </div>
<div>employee </div>
<div>&#163; / shares</div>
</th>
<th class="th">
<div>Dec. 31, 2008 </div>
<div>GBP (&#163;) </div>
<div>trading_session</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfEmployees', window );">Total number of employees | employee</a></td>
<td class="nump">198,403<span></span>
</td>
<td class="nump">206,753<span></span>
</td>
<td class="nump">212,764<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AverageNumberOfEmployees', window );">Average number of employees | people</a></td>
<td class="nump">203,572<span></span>
</td>
<td class="nump">209,371<span></span>
</td>
<td class="nump">211,135<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AverageNumberOfEmployeesWithDisabilities', window );">Average number of employees with disabilities</a></td>
<td class="nump">4,854<span></span>
</td>
<td class="nump">4,828<span></span>
</td>
<td class="nump">4,701<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_WeightedAverageSharePriceShareOptionsGranted2019', window );">Weighted average grant-date fair value of options granted (in GBP per share) | &#163; / shares</a></td>
<td class="nump">&#163; 0.44<span></span>
</td>
<td class="nump">&#163; 0.23<span></span>
</td>
<td class="nump">&#163; 0.33<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EmployeesWithDisabilitiesThresholdDegreeOfDisability', window );">Employee with disabilities, threshold degree of disability</a></td>
<td class="nump">33.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_ParentCompanyMember', window );">Banco Santander, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AverageNumberOfEmployees', window );">Average number of employees | people</a></td>
<td class="nump">23,207<span></span>
</td>
<td class="nump">23,839<span></span>
</td>
<td class="nump">24,061<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveDirectorsAndSeniorManagementMember', window );">Executive directors and Senior management</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AverageNumberOfEmployees', window );">Average number of employees | people</a></td>
<td class="nump">17<span></span>
</td>
<td class="nump">15<span></span>
</td>
<td class="nump">16<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember', window );">Deferred variable compensation plan linked to multiannual objectives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan', window );">Fair value of plan, initial achievement</a></td>
<td class="nump">70.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | Sharesave plan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageEmployeesReduceAveragePurchasePriceOfShares', window );">Percentage employees may reduce the average purchase and sale prices of shares under the Sharesave Scheme</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">20.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfTradingSessionsPriorToApprovalOfScheme', window );">Number of trading sessions | trading_session</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Santander UK plc | Sharesave plan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VoluntarySharesaveSchemeMonthlyEmployeeContributions', window );">Employee contributions deducted from their net monthly pay | &#163;</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#163; 5<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PeriodOfVoluntarySharesaveSchemeMonthlyEmployeeContributions', window );">Period of time the employee contributions are deducted from their net monthly pay for the voluntary Sharesave Scheme</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">3 years<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PeriodOfApprovalSharesaveScheme', window );">Period for approval of the sharesave scheme by UK tax authorities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">21 days<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Santander UK plc | Sharesave plan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VoluntarySharesaveSchemeMonthlyEmployeeContributions', window );">Employee contributions deducted from their net monthly pay | &#163;</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#163; 500<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PeriodOfVoluntarySharesaveSchemeMonthlyEmployeeContributions', window );">Period of time the employee contributions are deducted from their net monthly pay for the voluntary Sharesave Scheme</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PeriodOfApprovalSharesaveScheme', window );">Period for approval of the sharesave scheme by UK tax authorities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">41 days<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Banco Santander, S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AverageNumberOfEmployeesWithDisabilities', window );">Average number of employees with disabilities | employee</a></td>
<td class="nump">419<span></span>
</td>
<td class="nump">435<span></span>
</td>
<td class="nump">428<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EmployeesWithDisabilitiesThresholdDegreeOfDisability', window );">Employee with disabilities, threshold degree of disability</a></td>
<td class="nump">33.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfEmployeesWithDisabilitiesAtEndOfPeriod', window );">Number of employees with disabilities at end of period | employee</a></td>
<td class="nump">413<span></span>
</td>
<td class="nump">432<span></span>
</td>
<td class="nump">436<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AverageNumberOfEmployees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The average number of personnel employed by the entity during a period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AverageNumberOfEmployees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NumberOfEmployees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of personnel employed by the entity at a date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NumberOfEmployees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_WeightedAverageSharePriceShareOptionsGranted2019">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The weighted average share price used as input to the option pricing model to calculate the fair value of share options granted. [Refer: Option pricing model [member]; Weighted average [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 2<br> -IssueDate 2025-01-01<br> -Paragraph 47<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=2&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_47_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_WeightedAverageSharePriceShareOptionsGranted2019</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AverageNumberOfEmployeesWithDisabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The average number of employees by disabilities, distributed by professional categories the entity during a period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AverageNumberOfEmployeesWithDisabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EmployeesWithDisabilitiesThresholdDegreeOfDisability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The degree of disability at or above which an employee in a particular jurisdiction is considered to be an employee with disabilities for the purposes of headcounts.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EmployeesWithDisabilitiesThresholdDegreeOfDisability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfEmployeesWithDisabilitiesAtEndOfPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of employees with disabilities at end of period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfEmployeesWithDisabilitiesAtEndOfPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfTradingSessionsPriorToApprovalOfScheme">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of trading sessions between prior to the approval of the scheme by UK tax authorities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfTradingSessionsPriorToApprovalOfScheme</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageEmployeesReduceAveragePurchasePriceOfShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage employees may reduce the average purchase and sale prices of shares under the Sharesave Scheme.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageEmployeesReduceAveragePurchasePriceOfShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value of performance plan as a percentage of the maximum initial achievement ratio.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PeriodOfApprovalSharesaveScheme">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The period for approval of the Sharesave Scheme by UK tax authorities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PeriodOfApprovalSharesaveScheme</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PeriodOfVoluntarySharesaveSchemeMonthlyEmployeeContributions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Period of time the employee contributions are deducted from their net monthly pay for the voluntary Sharesave Scheme.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PeriodOfVoluntarySharesaveSchemeMonthlyEmployeeContributions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VoluntarySharesaveSchemeMonthlyEmployeeContributions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the employee contributions deducted from their net monthly pay for the voluntary Sharesave Scheme.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VoluntarySharesaveSchemeMonthlyEmployeeContributions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_ParentCompanyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=srt_ParentCompanyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveDirectorsAndSeniorManagementMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveDirectorsAndSeniorManagementMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_SharesavePlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_SharesavePlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>379
<FILENAME>R297.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Staff costs - Schedule of functional breakdown of final employment by gender (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2025 </div>
<div>people</div>
</th></tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorExecutivesMember', window );">Senior executives</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfMenEmployees', window );">Number of employees - men</a></td>
<td class="nump">1,383<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfWomenEmployees', window );">Number of employees - women</a></td>
<td class="nump">632<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfOthersEmployees', window );">Number of employees - others</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfUndeclaredEmployees', window );">Number of employees - undeclared</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_OtherExecutivePersonnelMember', window );">Other executives</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfMenEmployees', window );">Number of employees - men</a></td>
<td class="nump">17,315<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfWomenEmployees', window );">Number of employees - women</a></td>
<td class="nump">11,080<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfOthersEmployees', window );">Number of employees - others</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfUndeclaredEmployees', window );">Number of employees - undeclared</a></td>
<td class="nump">15<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_OtherEmployeesMember', window );">Other employees</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfMenEmployees', window );">Number of employees - men</a></td>
<td class="nump">76,431<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfWomenEmployees', window );">Number of employees - women</a></td>
<td class="nump">91,501<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfOthersEmployees', window );">Number of employees - others</a></td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfUndeclaredEmployees', window );">Number of employees - undeclared</a></td>
<td class="nump">41<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=srt_EuropeMember', window );">Total Europe | Senior executives</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfMenEmployees', window );">Number of employees - men</a></td>
<td class="nump">918<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfWomenEmployees', window );">Number of employees - women</a></td>
<td class="nump">426<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfOthersEmployees', window );">Number of employees - others</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfUndeclaredEmployees', window );">Number of employees - undeclared</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=srt_EuropeMember', window );">Total Europe | Other executives</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfMenEmployees', window );">Number of employees - men</a></td>
<td class="nump">8,778<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfWomenEmployees', window );">Number of employees - women</a></td>
<td class="nump">5,052<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfOthersEmployees', window );">Number of employees - others</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfUndeclaredEmployees', window );">Number of employees - undeclared</a></td>
<td class="nump">10<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=srt_EuropeMember', window );">Total Europe | Other employees</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfMenEmployees', window );">Number of employees - men</a></td>
<td class="nump">31,404<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfWomenEmployees', window );">Number of employees - women</a></td>
<td class="nump">37,094<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfOthersEmployees', window );">Number of employees - others</a></td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfUndeclaredEmployees', window );">Number of employees - undeclared</a></td>
<td class="nump">39<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=srt_NorthAmericaMember', window );">Total North America | Senior executives</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfMenEmployees', window );">Number of employees - men</a></td>
<td class="nump">181<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfWomenEmployees', window );">Number of employees - women</a></td>
<td class="nump">64<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfOthersEmployees', window );">Number of employees - others</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfUndeclaredEmployees', window );">Number of employees - undeclared</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=srt_NorthAmericaMember', window );">Total North America | Other executives</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfMenEmployees', window );">Number of employees - men</a></td>
<td class="nump">3,859<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfWomenEmployees', window );">Number of employees - women</a></td>
<td class="nump">2,630<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfOthersEmployees', window );">Number of employees - others</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfUndeclaredEmployees', window );">Number of employees - undeclared</a></td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=srt_NorthAmericaMember', window );">Total North America | Other employees</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfMenEmployees', window );">Number of employees - men</a></td>
<td class="nump">14,555<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfWomenEmployees', window );">Number of employees - women</a></td>
<td class="nump">18,517<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfOthersEmployees', window );">Number of employees - others</a></td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfUndeclaredEmployees', window );">Number of employees - undeclared</a></td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=srt_SouthAmericaMember', window );">Total South America | Senior executives</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfMenEmployees', window );">Number of employees - men</a></td>
<td class="nump">284<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfWomenEmployees', window );">Number of employees - women</a></td>
<td class="nump">142<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfOthersEmployees', window );">Number of employees - others</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfUndeclaredEmployees', window );">Number of employees - undeclared</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=srt_SouthAmericaMember', window );">Total South America | Other executives</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfMenEmployees', window );">Number of employees - men</a></td>
<td class="nump">4,678<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfWomenEmployees', window );">Number of employees - women</a></td>
<td class="nump">3,398<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfOthersEmployees', window );">Number of employees - others</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfUndeclaredEmployees', window );">Number of employees - undeclared</a></td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=srt_SouthAmericaMember', window );">Total South America | Other employees</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfMenEmployees', window );">Number of employees - men</a></td>
<td class="nump">30,472<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfWomenEmployees', window );">Number of employees - women</a></td>
<td class="nump">35,890<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfOthersEmployees', window );">Number of employees - others</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfUndeclaredEmployees', window );">Number of employees - undeclared</a></td>
<td class="nump">1<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfMenEmployees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of personnel, identified as men, employed by the entity at a date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfMenEmployees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfOthersEmployees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number Of Others Employees</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfOthersEmployees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfUndeclaredEmployees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number Of Undeclared Employees</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfUndeclaredEmployees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfWomenEmployees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of personnel, identified as women, employed by the entity at a date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfWomenEmployees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorExecutivesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorExecutivesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_OtherExecutivePersonnelMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_OtherExecutivePersonnelMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_OtherEmployeesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_OtherEmployeesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=srt_EuropeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=srt_EuropeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=srt_NorthAmericaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=srt_NorthAmericaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=srt_SouthAmericaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=srt_SouthAmericaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>380
<FILENAME>R298.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Staff costs - Schedule of deferred variable remuneration systems, deferred and conditional variable remuneration plan (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;) </div>
<div>companies</div>
</th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">40.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationMinimumGroupsEconomicCapital', window );">Minimum Group's economic capital</a></td>
<td class="nump">1.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanSixthCycle2016Member', window );">Deferred conditional variable remuneration plan sixth cycle</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">3 years<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">40.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanTwelfthCycle2022Member', window );">Deferred conditional variable remuneration plan twelfth cycle | Other beneficiaries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">4 years<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">40.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanTwelfthCycle2022Member', window );">Deferred conditional variable remuneration plan twelfth cycle | Beneficiaries with target total variable remuneration higher or equal to 2.7 million euros</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold</a></td>
<td class="nump">&#8364; 2.7<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">40.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanTwelfthCycle2022Member', window );">Deferred conditional variable remuneration plan twelfth cycle | Beneficiaries with target total variable remuneration between 1.7 and 2.7 million euros</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">50.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">50.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanFourthAndFifthCycles2014And2015Member', window );">Deferred conditional variable remuneration plan fourth and fifth cycles | Executive directors and members of identified staff with total variable remuneration specified amount</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">40.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanFourthAndFifthCycles2014And2015Member', window );">Deferred conditional variable remuneration plan fourth and fifth cycles | Senior managers, country heads, other executives and identified staff with total variable remuneration specified amount</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">50.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">50.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanFourthAndFifthCycles2014And2015Member', window );">Deferred conditional variable remuneration plan fourth and fifth cycles | Other beneficiaries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">3 years<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">40.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanFifthCycle2015Member', window );">Deferred conditional variable remuneration plan fifth cycle | Executive directors and members of identified staff with total variable remuneration specified amount</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold</a></td>
<td class="nump">&#8364; 2.6<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanFifthCycle2015Member', window );">Deferred conditional variable remuneration plan fifth cycle | Senior managers, country heads, other executives and identified staff with total variable remuneration specified amount</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanSeventhEighthNinthTenthAndEleventhCycles2017201820192020And2021Member', window );">Deferred conditional variable remuneration plan seventh, eighth, ninth, tenth and eleventh cycles | Other beneficiaries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">3 years<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">40.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanSeventhEighthNinthTenthAndEleventhCycles2017201820192020And2021Member', window );">Deferred conditional variable remuneration plan seventh, eighth, ninth, tenth and eleventh cycles | Beneficiaries with target total variable remuneration higher or equal to 2.7 million euros</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold</a></td>
<td class="nump">&#8364; 2.7<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">40.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanSeventhEighthNinthTenthAndEleventhCycles2017201820192020And2021Member', window );">Deferred conditional variable remuneration plan seventh, eighth, ninth, tenth and eleventh cycles | Beneficiaries with target total variable remuneration between 1.7 and 2.7 million euros</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">50.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanSeventhCycleMember', window );">Deferred multiyear objectives variable remuneration plan seventh cycle</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfCreditInstitutionsIncludedInReferenceGroup', window );">Number of credit institutions included in reference group | companies</a></td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanSeventhCycleMember', window );">Deferred multiyear objectives variable remuneration plan seventh cycle | Executive directors</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentPercentagePaidInShareOptions', window );">Deferred payment, percentage paid in share options</a></td>
<td class="nump">25.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentPercentagePaidInShares', window );">Deferred payment, percentage paid in shares</a></td>
<td class="nump">25.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember', window );">Deferred variable compensation plan linked to multiannual objectives</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentPercentagePaidInShares', window );">Deferred payment, percentage paid in shares</a></td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member', window );">Deferred multiyear objectives variable remuneration plan first cycle | Executive directors and members of identified staff with total variable remuneration specified amount</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold</a></td>
<td class="nump">&#8364; 2.7<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">40.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member', window );">Deferred multiyear objectives variable remuneration plan first cycle | Senior managers, country heads, other executives and identified staff with total variable remuneration specified amount</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">50.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">50.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member', window );">Deferred multiyear objectives variable remuneration plan first cycle | Other beneficiaries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">3 years<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">40.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanThirteenthCycle2023Member', window );">Deferred Conditional Variable Remuneration Plan Twelfth Cycle 2023 | Other beneficiaries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">4 years<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">40.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanThirteenthCycle2023Member', window );">Deferred Conditional Variable Remuneration Plan Twelfth Cycle 2023 | Beneficiaries with target total variable remuneration higher or equal to 2.7 million euros</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold</a></td>
<td class="nump">&#8364; 2.7<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">40.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanThirteenthCycle2023Member', window );">Deferred Conditional Variable Remuneration Plan Twelfth Cycle 2023 | Beneficiaries with target total variable remuneration between 1.7 and 2.7 million euros</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">50.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">50.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanEighthCycleMember', window );">Deferred Multiyear Objectives Variable Remuneration Plan Eighth Cycle</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfCreditInstitutionsIncludedInReferenceGroup', window );">Number of credit institutions included in reference group | companies</a></td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanEighthCycleMember', window );">Deferred Multiyear Objectives Variable Remuneration Plan Eighth Cycle | Executive directors</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentPercentagePaidInShareOptions', window );">Deferred payment, percentage paid in share options</a></td>
<td class="nump">25.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentPercentagePaidInShares', window );">Deferred payment, percentage paid in shares</a></td>
<td class="nump">25.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanFourteenthCycle2024Member', window );">Deferred Conditional Variable Remuneration Plan Fourteenth Cycle 2024 | Other beneficiaries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">4 years<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">40.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanFourteenthCycle2024Member', window );">Deferred Conditional Variable Remuneration Plan Fourteenth Cycle 2024 | Beneficiaries with target total variable remuneration higher or equal to 2.7 million euros</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold</a></td>
<td class="nump">&#8364; 2.7<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">40.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanFourteenthCycle2024Member', window );">Deferred Conditional Variable Remuneration Plan Fourteenth Cycle 2024 | Beneficiaries with target total variable remuneration between 1.7 and 2.7 million euros</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">50.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">50.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanNinthCycleMember', window );">Deferred Multiyear Objectives Variable Remuneration Plan Ninth Cycle</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfCreditInstitutionsIncludedInReferenceGroup', window );">Number of credit institutions included in reference group | companies</a></td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Deferred conditional variable remuneration plan fifth, seventh, eighth, ninth, tenth, and eleventh cycles</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">3 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Deferred conditional variable remuneration plan twelfth cycle</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">4 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Deferred conditional variable remuneration plan twelfth cycle | Beneficiaries with target total variable remuneration between 1.7 and 2.7 million euros</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold</a></td>
<td class="nump">&#8364; 1.7<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Deferred conditional variable remuneration plan fourth and fifth cycles | Senior managers, country heads, other executives and identified staff with total variable remuneration specified amount</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold</a></td>
<td class="nump">1.7<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Deferred conditional variable remuneration plan fourth cycle | Senior managers, country heads, other executives and identified staff with total variable remuneration specified amount</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold</a></td>
<td class="nump">1.8<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Deferred conditional variable remuneration plan seventh, eighth, ninth, tenth and eleventh cycles | Beneficiaries with target total variable remuneration between 1.7 and 2.7 million euros</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold</a></td>
<td class="nump">&#8364; 1.7<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Deferred multiyear objectives variable remuneration plan seventh cycle</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">4 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Deferred variable compensation plan linked to multiannual objectives</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">3 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Deferred multiyear objectives variable remuneration plan first cycle | Senior managers, country heads, other executives and identified staff with total variable remuneration specified amount</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold</a></td>
<td class="nump">&#8364; 1.7<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Deferred Conditional Variable Remuneration Plan Twelfth Cycle 2023 | Beneficiaries with target total variable remuneration between 1.7 and 2.7 million euros</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold</a></td>
<td class="nump">&#8364; 1.7<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Deferred Multiyear Objectives Variable Remuneration Plan Eighth Cycle</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">4 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Deferred Conditional Variable Remuneration Plan Fourteenth Cycle 2024 | Beneficiaries with target total variable remuneration between 1.7 and 2.7 million euros</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold</a></td>
<td class="nump">&#8364; 1.7<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Deferred Multiyear Objectives Variable Remuneration Plan Ninth Cycle</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">4 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Deferred Multiyear Objectives Variable Remuneration Plan Tenth Cycle</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">4 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Deferred conditional variable remuneration plan fifth, seventh, eighth, ninth, tenth, and eleventh cycles</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Deferred conditional variable remuneration plan twelfth cycle</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Deferred conditional variable remuneration plan twelfth cycle | Beneficiaries with target total variable remuneration between 1.7 and 2.7 million euros</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold</a></td>
<td class="nump">&#8364; 2.7<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Deferred conditional variable remuneration plan fifth cycle | Senior managers, country heads, other executives and identified staff with total variable remuneration specified amount</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold</a></td>
<td class="nump">2.6<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Deferred conditional variable remuneration plan seventh, eighth, ninth, tenth and eleventh cycles | Beneficiaries with target total variable remuneration between 1.7 and 2.7 million euros</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold</a></td>
<td class="nump">&#8364; 2.7<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Deferred multiyear objectives variable remuneration plan seventh cycle</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Deferred variable compensation plan linked to multiannual objectives</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Deferred multiyear objectives variable remuneration plan first cycle | Senior managers, country heads, other executives and identified staff with total variable remuneration specified amount</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold</a></td>
<td class="nump">&#8364; 2.7<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Deferred Conditional Variable Remuneration Plan Twelfth Cycle 2023 | Beneficiaries with target total variable remuneration between 1.7 and 2.7 million euros</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold</a></td>
<td class="nump">&#8364; 2.7<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Deferred Multiyear Objectives Variable Remuneration Plan Eighth Cycle</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Deferred Conditional Variable Remuneration Plan Fourteenth Cycle 2024 | Beneficiaries with target total variable remuneration between 1.7 and 2.7 million euros</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold</a></td>
<td class="nump">&#8364; 2.7<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Deferred Multiyear Objectives Variable Remuneration Plan Ninth Cycle</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Deferred Multiyear Objectives Variable Remuneration Plan Tenth Cycle</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The threshold trigger amount of variable remuneration or bonus, in which will be deferred over a specified period and paid in shares.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GeneralThresholdOfVariableRemunerationInWhichDeferred</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfCreditInstitutionsIncludedInReferenceGroup">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of credit institutions included in reference group.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfCreditInstitutionsIncludedInReferenceGroup</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferralPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The deferral period to pay variable remuneration or bonus.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferralPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentPercentagePaidInShareOptions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, Percentage Paid In Share Options</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentPercentagePaidInShareOptions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentPercentagePaidInShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of an award granted under a variable remuneration deferred payment plan paid in shares.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentPercentagePaidInShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of variable remuneration with deferred payment during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationImmediatePaymentPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of variable remuneration with immediate payment during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationImmediatePaymentPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationMinimumGroupsEconomicCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Minimum Group's Economic Capital</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationMinimumGroupsEconomicCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanSixthCycle2016Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanSixthCycle2016Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanTwelfthCycle2022Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanTwelfthCycle2022Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_OtherBeneficiariesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_OtherBeneficiariesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_BeneficiariesWithTargetTotalVariableRemunerationHigherOrEqualTo27MillionEurosMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_BeneficiariesWithTargetTotalVariableRemunerationHigherOrEqualTo27MillionEurosMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_BeneficiariesWithTargetTotalVariableRemunerationBetween17And27MillionEurosMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_BeneficiariesWithTargetTotalVariableRemunerationBetween17And27MillionEurosMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanFourthAndFifthCycles2014And2015Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanFourthAndFifthCycles2014And2015Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveDirectorsAndMembersOfIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveDirectorsAndMembersOfIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_DivisionManagersCountryHeadsOtherExecutivesAndIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_DivisionManagersCountryHeadsOtherExecutivesAndIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanFifthCycle2015Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanFifthCycle2015Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanSeventhEighthNinthTenthAndEleventhCycles2017201820192020And2021Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanSeventhEighthNinthTenthAndEleventhCycles2017201820192020And2021Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanSeventhCycleMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanSeventhCycleMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveDirectorsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveDirectorsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanThirteenthCycle2023Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanThirteenthCycle2023Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanEighthCycleMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanEighthCycleMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanFourteenthCycle2024Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanFourteenthCycle2024Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanNinthCycleMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanNinthCycleMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanFifthSeventhEighthNinthTenthAndEleventhCycles20152017201820192020And2021Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanFifthSeventhEighthNinthTenthAndEleventhCycles20152017201820192020And2021Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanFourthCycle2014Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredConditionalVariableRemunerationPlanFourthCycle2014Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanTenthCycleMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanTenthCycleMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember">
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<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>381
<FILENAME>R299.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Staff costs - Schedule of deferred variable remuneration systems, deferred multiyear objectives variable remuneration plan (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;) </div>
<div>trading_session </div>
<div>companies</div>
</th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">40.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember', window );">Deferred variable compensation plan linked to multiannual objectives</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentPercentagePaidInShares', window );">Deferred payment, percentage paid in shares</a></td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions', window );">Number of trading sessions | trading_session</a></td>
<td class="nump">15<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember', window );">Deferred variable compensation plan linked to multiannual objectives | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">3 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember', window );">Deferred variable compensation plan linked to multiannual objectives | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesThreeYearPlanMember', window );">Deferred variable remuneration, three-year plan | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">3 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesFourYearPlanMember', window );">Deferred variable remuneration, four-year plan</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">4 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesFiveYearPlanMember', window );">Deferred variable remuneration, five-year plan | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanSeventhCycleMember', window );">Deferred multiyear objectives variable remuneration plan seventh cycle</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfCreditInstitutionsIncludedInReferenceGroup', window );">Number of credit institutions included in reference group | companies</a></td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanSeventhCycleMember', window );">Deferred multiyear objectives variable remuneration plan seventh cycle | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">4 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanSeventhCycleMember', window );">Deferred multiyear objectives variable remuneration plan seventh cycle | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanSeventhCycleMember', window );">Deferred multiyear objectives variable remuneration plan seventh cycle | Executive directors</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentPercentagePaidInShareOptions', window );">Deferred payment, percentage paid in share options</a></td>
<td class="nump">25.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPaymentPercentagePaidInShares', window );">Deferred payment, percentage paid in shares</a></td>
<td class="nump">25.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member', window );">Deferred multiyear objectives variable remuneration plan first cycle | Executive directors and members of identified staff with total variable remuneration specified amount</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold | &#8364;</a></td>
<td class="nump">&#8364; 2.7<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">40.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member', window );">Deferred multiyear objectives variable remuneration plan first cycle | Senior managers, country heads, other executives and identified staff with total variable remuneration specified amount</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">50.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">50.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfEntityEconomicCapital', window );">Percentage of entity economic capital</a></td>
<td class="nump">1.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member', window );">Deferred multiyear objectives variable remuneration plan first cycle | Senior managers, country heads, other executives and identified staff with total variable remuneration specified amount | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold | &#8364;</a></td>
<td class="nump">&#8364; 1.7<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member', window );">Deferred multiyear objectives variable remuneration plan first cycle | Senior managers, country heads, other executives and identified staff with total variable remuneration specified amount | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred', window );">Gross variable remuneration benchmark threshold | &#8364;</a></td>
<td class="nump">&#8364; 2.7<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member', window );">Deferred multiyear objectives variable remuneration plan first cycle | Other beneficiaries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">3 years<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationImmediatePaymentPercentage', window );">Immediate payment percentage</a></td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferredPercentage', window );">Deferred payment percentage</a></td>
<td class="nump">40.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanSecondAndThirdCyclesMember', window );">Deferred multiyear objectives variable remuneration plan second and third cycles</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfCreditInstitutionsIncludedInReferenceGroup', window );">Number of credit institutions included in reference group | companies</a></td>
<td class="nump">17<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanFourthFifthAndSixthCycleMember', window );">Deferred multiyear objectives variable remuneration plan fourth cycle</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfCreditInstitutionsIncludedInReferenceGroup', window );">Number of credit institutions included in reference group | companies</a></td>
<td class="nump">9<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GeneralThresholdOfVariableRemunerationInWhichDeferred">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The threshold trigger amount of variable remuneration or bonus, in which will be deferred over a specified period and paid in shares.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GeneralThresholdOfVariableRemunerationInWhichDeferred</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfCreditInstitutionsIncludedInReferenceGroup">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of credit institutions included in reference group.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfCreditInstitutionsIncludedInReferenceGroup</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageOfEntityEconomicCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the country heads of countries that are a percentage of the entity's economic capital.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfEntityEconomicCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferralPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The deferral period to pay variable remuneration or bonus.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferralPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentPercentagePaidInShareOptions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Remuneration, Deferred Payment, Percentage Paid In Share Options</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentPercentagePaidInShareOptions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPaymentPercentagePaidInShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of an award granted under a variable remuneration deferred payment plan paid in shares.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPaymentPercentagePaidInShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferredPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of variable remuneration with deferred payment during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferredPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationImmediatePaymentPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of variable remuneration with immediate payment during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationImmediatePaymentPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of trading sessions used in calculation of volume-weighted average share prices.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesThreeYearPlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesThreeYearPlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesFourYearPlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesFourYearPlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesFiveYearPlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredVariableCompensationPlanMultiannualObjectivesFiveYearPlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanSeventhCycleMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanSeventhCycleMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveDirectorsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveDirectorsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanFirstCycle2016Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveDirectorsAndMembersOfIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_ExecutiveDirectorsAndMembersOfIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_DivisionManagersCountryHeadsOtherExecutivesAndIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_DivisionManagersCountryHeadsOtherExecutivesAndIdentifiedStaffWithTotalVariableRemunerationSpecifiedAmountMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_OtherBeneficiariesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_OtherBeneficiariesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanSecondAndThirdCyclesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanSecondAndThirdCyclesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanFourthFifthAndSixthCycleMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DeferredMultiyearObjectivesVariableRemunerationPlanFourthFifthAndSixthCycleMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>382
<FILENAME>R300.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<head>
<title></title>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Staff costs - Schedule of deferred variable remuneration systems, digital transformation award (Details)<br> &#8364; in Millions, customer in Millions</strong></div></th>
<th class="th" colspan="7">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;) </div>
<div>people </div>
<div>country </div>
<div>customer </div>
<div>geographies </div>
<div>case </div>
<div>salesProgram </div>
<div>market</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;) </div>
<div>people</div>
</th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>EUR (&#8364;) </div>
<div>block </div>
<div>people</div>
</th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement', window );">Total achievement of incentive</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">83.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAwardMember', window );">Digital Transformation Award</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMaximumNumberOfBeneficiaries', window );">Maximum number of beneficiaries | people</a></td>
<td class="nump">250<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMaximumTotalAmountOfIncentive', window );">Maximum amount of incentive | &#8364;</a></td>
<td class="nump">&#8364; 30<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMilestoneMigrationOfOpenBankAndLaunchNumberOfMarkets', window );">Number of markets with OpenBank | market</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMilestoneMinimumNumberOfCountriesWithSuperDigitalExcludingBrazil', window );">Minimum number of countries with SuperDigital, excluding Brazil | country</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares', window );">Percent awarded in shares</a></td>
<td class="nump">50.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares', window );">Percent awarded in options over shares</a></td>
<td class="nump">50.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationOptionsVestingPeriod', window );">Options, vesting period</a></td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement', window );">Total achievement of incentive</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">85.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAwardMember', window );">Digital Transformation Award | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">3 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement', window );">Total achievement of incentive</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">77.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAwardMember', window );">Digital Transformation Award | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward20202021Member', window );">Digital Transformation Award 2020 &amp; 2021</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationOptionsVestingPeriod', window );">Options, vesting period</a></td>
<td class="text">8 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2020Member', window );">Digital Transformation Award 2020</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalMerchantServicesPlatform', window );">Number of geographies with global merchant services platform | geographies</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalTradeServicesPlatform', window );">Number of geographies with global trade services platform | geographies</a></td>
<td class="nump">8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalPlatformSuperDigital', window );">Number of geographies with global platform SuperDigital | country</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMilestoneNumberOfPriorityUseCasesWithMachineLearningDeployment', window );">Number of priority use cases with machine learning deployment | case</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMilestoneNumberOfSalesProgramsWithConversionRateOptimizationRollOut', window );">Number of sales programs with conversion rate optimization roll-out | salesProgram</a></td>
<td class="nump">40<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMilestoneNumberOfCountriesWithPagoFXGlobalPlatform', window );">Number of countries with PagoFX global platform | country</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2021Member', window );">Digital Transformation Award 2021</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCountriesWithSuperdigitalImplemented', window );">Number of countries with Superdigital implemented | country</a></td>
<td class="nump">7<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfActiveCustomers', window );">Number of active customers using Pago Nxt | customer</a></td>
<td class="nump">1.5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCustomersAcquiredPercentage', window );">Number of customers acquired in Pago Nxt (in percentage)</a></td>
<td class="nump">50.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumNumberOfActiveCountries', window );">Minimum number of active countries with One Common Mobile Experience | country</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMaximumNumberOfActiveCountries', window );">Maximum number of active countries with One Common Mobile Experience | country</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMinimumNumberOfCountries', window );">Minimum number of countries with One Common Mobile Experience as top three rated entity | country</a></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMaximumNumberOfCountries', window );">Maximum number of countries with One Common Mobile Experience as top three rated entity | country</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumMigratableVirtualMachinesOnCloudTechnologyPercentage', window );">Minimum migratable virtual machines on cloud technology (in percentage)</a></td>
<td class="nump">75.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2022Member', window );">Digital Transformation Award 2022</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMaximumNumberOfBeneficiaries', window );">Maximum number of beneficiaries | people</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMaximumTotalAmountOfIncentive', window );">Maximum amount of incentive | &#8364;</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 15<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationNumberOfDifferentBlocks', window );">Number of different blocks | block</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2022FirstBlockMember', window );">Digital Transformation Award 2022, first block</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMaximumNumberOfBeneficiaries', window );">Maximum number of beneficiaries | people</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">250<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMaximumTotalAmountOfIncentive', window );">Maximum amount of incentive | &#8364;</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 30<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares', window );">Percent awarded in shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">50.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares', window );">Percent awarded in options over shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">50.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationOptionsVestingPeriod', window );">Options, vesting period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement', window );">Total achievement of incentive</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">96.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2022FirstBlockMember', window );">Digital Transformation Award 2022, first block | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">3 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2022FirstBlockMember', window );">Digital Transformation Award 2022, first block | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_VariableRemunerationDeferralPeriod', window );">Deferral period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2022SecondBlockMember', window );">Digital Transformation Award 2022, second block</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement', window );">Total achievement of incentive</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2023Member', window );">Digital Transformation Award 2023</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMaximumNumberOfBeneficiaries', window );">Maximum number of beneficiaries | people</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMaximumTotalAmountOfIncentive', window );">Maximum amount of incentive | &#8364;</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 15<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement', window );">Total achievement of incentive</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">88.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2024Member', window );">Digital Transformation Award 2024</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement', window );">Total achievement of incentive</a></td>
<td class="nump">77.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2024Member', window );">Digital Transformation Award 2024 | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMaximumNumberOfBeneficiaries', window );">Maximum number of beneficiaries | people</a></td>
<td class="nump">50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2024Member', window );">Digital Transformation Award 2024 | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMaximumNumberOfBeneficiaries', window );">Maximum number of beneficiaries | people</a></td>
<td class="nump">60<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2025Member', window );">Digital Transformation Award 2025</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement', window );">Total achievement of incentive</a></td>
<td class="nump">85.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2025Member', window );">Digital Transformation Award 2025 | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMaximumNumberOfBeneficiaries', window );">Maximum number of beneficiaries | people</a></td>
<td class="nump">50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2025Member', window );">Digital Transformation Award 2025 | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeferredVariableRemunerationMaximumNumberOfBeneficiaries', window );">Maximum number of beneficiaries | people</a></td>
<td class="nump">60<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredVariableRemunerationMaximumNumberOfBeneficiaries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Variable Remuneration, Maximum Number Of Beneficiaries</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredVariableRemunerationMaximumNumberOfBeneficiaries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredVariableRemunerationMaximumTotalAmountOfIncentive">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Variable Remuneration, Maximum Total Amount Of Incentive</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredVariableRemunerationMaximumTotalAmountOfIncentive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredVariableRemunerationMilestoneMigrationOfOpenBankAndLaunchNumberOfMarkets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Variable Remuneration, Milestone, Migration Of OpenBank And Launch, Number Of Markets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredVariableRemunerationMilestoneMigrationOfOpenBankAndLaunchNumberOfMarkets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredVariableRemunerationMilestoneMinimumNumberOfCountriesWithSuperDigitalExcludingBrazil">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Variable Remuneration, Milestone, Minimum Number Of Countries With SuperDigital, Excluding Brazil</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredVariableRemunerationMilestoneMinimumNumberOfCountriesWithSuperDigitalExcludingBrazil</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredVariableRemunerationMilestoneNumberOfCountriesWithPagoFXGlobalPlatform">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Variable Remuneration, Milestone, Number Of Countries With PagoFX Global Platform</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredVariableRemunerationMilestoneNumberOfCountriesWithPagoFXGlobalPlatform</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalMerchantServicesPlatform">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Variable Remuneration, Milestone, Number Of Geographies With Global Merchant Services Platform</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalMerchantServicesPlatform</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalPlatformSuperDigital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Variable Remuneration, Milestone, Number Of Geographies With Global Platform SuperDigital</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalPlatformSuperDigital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalTradeServicesPlatform">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Variable Remuneration, Milestone, Number Of Geographies With Global Trade Services Platform</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalTradeServicesPlatform</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredVariableRemunerationMilestoneNumberOfPriorityUseCasesWithMachineLearningDeployment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Variable Remuneration, Milestone, Number Of Priority Use Cases With Machine Learning Deployment</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredVariableRemunerationMilestoneNumberOfPriorityUseCasesWithMachineLearningDeployment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredVariableRemunerationMilestoneNumberOfSalesProgramsWithConversionRateOptimizationRollOut">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Variable Remuneration, Milestone, Number Of Sales Programs With Conversion Rate Optimization Roll-Out</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredVariableRemunerationMilestoneNumberOfSalesProgramsWithConversionRateOptimizationRollOut</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMaximumNumberOfActiveCountries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Variable Remuneration, Milestone, One Common Mobile Experience, Maximum Number Of Active Countries</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMaximumNumberOfActiveCountries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumMigratableVirtualMachinesOnCloudTechnologyPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Variable Remuneration, Milestone, One Common Mobile Experience, Minimum Migratable Virtual Machines On Cloud Technology, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumMigratableVirtualMachinesOnCloudTechnologyPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumNumberOfActiveCountries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Variable Remuneration, Milestone, One Common Mobile Experience, Minimum Number Of Active Countries</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumNumberOfActiveCountries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMaximumNumberOfCountries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Variable Remuneration, Milestone, One Common Mobile Experience, Top Rated Entities, Mobile Net Promoter, Maximum Number Of Countries</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMaximumNumberOfCountries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMinimumNumberOfCountries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Variable Remuneration, Milestone, One Common Mobile Experience, Top Rated Entities, Mobile Net Promoter, Minimum Number Of Countries</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMinimumNumberOfCountries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfActiveCustomers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Variable Remuneration, Milestone, Pago Nxt, Number Of Active Customers</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredVariableRemunerationMilestonePagoNxtNumberOfActiveCustomers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCountriesWithSuperdigitalImplemented">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Variable Remuneration, Milestone, Pago Nxt, Number Of Countries With Superdigital Implemented</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCountriesWithSuperdigitalImplemented</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCustomersAcquiredPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Variable Remuneration, Milestone, Pago Nxt, Number Of Customers Acquired, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredVariableRemunerationMilestonePagoNxtNumberOfCustomersAcquiredPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredVariableRemunerationNumberOfDifferentBlocks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Variable Remuneration, Number Of Different Blocks</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredVariableRemunerationNumberOfDifferentBlocks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeferredVariableRemunerationOptionsVestingPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Variable Remuneration, Options, Vesting Period</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeferredVariableRemunerationOptionsVestingPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Key Management Personnel Compensation, Long Term And Deferred Compensation, Percent Of Achievement</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Key Management Personnel Compensation, Long Term And Deferred Compensation, Percent Of Total Awarded In Options Over Shares</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Key Management Personnel Compensation, Long Term And Deferred Compensation, Percent Of Total Awarded In Shares</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_VariableRemunerationDeferralPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The deferral period to pay variable remuneration or bonus.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_VariableRemunerationDeferralPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAwardMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAwardMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward20202021Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward20202021Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2020Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2020Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2021Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2021Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2022Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2022Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2022FirstBlockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2022FirstBlockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2022SecondBlockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2022SecondBlockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2023Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2023Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2024Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2024Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2025Member">
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<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_DigitalTransformationAward2025Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</body>
</html>
</TEXT>
</DOCUMENT>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Staff costs - Schedule of options activity (Details) - Santander UK plc<br> shares in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>shares </div>
<div>&#8364; / &#163; </div>
<div>people </div>
<div>contract </div>
<div>&#163; / shares</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>people </div>
<div>&#8364; / &#163; </div>
<div>shares </div>
<div>&#163; / shares</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>shares </div>
<div>people </div>
<div>&#8364; / &#163; </div>
<div>&#163; / shares</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClosingForeignExchangeRate', window );">Exchange rate | &#8364; / &#163;</a></td>
<td class="nump">1.15<span></span>
</td>
<td class="nump">1.21<span></span>
</td>
<td class="nump">1.15<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Sharesave plan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems', window );"><strong>Share-based payment arrangement</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfOutstandingShareOptions', window );">Number of shares outstanding, beginning of period</a></td>
<td class="nump">25,689<span></span>
</td>
<td class="nump">27,139<span></span>
</td>
<td class="nump">29,988<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfShareOptionsGrantedInSharebasedPaymentArrangement', window );">Options granted (in shares)</a></td>
<td class="nump">3,324<span></span>
</td>
<td class="nump">4,991<span></span>
</td>
<td class="nump">7,175<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfShareOptionsExercisedInSharebasedPaymentArrangement', window );">Options exercised (in shares)</a></td>
<td class="num">(9,966)<span></span>
</td>
<td class="num">(4,004)<span></span>
</td>
<td class="num">(5,980)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfShareOptionsExpiredInSharebasedPaymentArrangement', window );">Options cancelled (net) or not exercised (in shares)</a></td>
<td class="num">(1,554)<span></span>
</td>
<td class="num">(2,437)<span></span>
</td>
<td class="num">(4,044)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfOutstandingShareOptions', window );">Number of share options outstanding, end of period</a></td>
<td class="nump">17,493<span></span>
</td>
<td class="nump">25,689<span></span>
</td>
<td class="nump">27,139<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019', window );">Options granted (in GBP per share) | &#163; / shares</a></td>
<td class="nump">&#163; 6.35<span></span>
</td>
<td class="nump">&#163; 3.36<span></span>
</td>
<td class="nump">&#163; 2.78<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019', window );">Options exercised (in GBP per share) | &#163; / shares</a></td>
<td class="nump">1.9<span></span>
</td>
<td class="nump">2.29<span></span>
</td>
<td class="nump">1.7<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019', window );">Options cancelled (net) or not exercised (in GBP per share) | &#163; / shares</a></td>
<td class="nump">&#163; 2.88<span></span>
</td>
<td class="nump">&#163; 2.37<span></span>
</td>
<td class="nump">&#163; 2.53<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NumberOfParticipantsOfRetirementBenefitPlanReceivingBenefits', window );">Number of persons | people</a></td>
<td class="nump">4,637<span></span>
</td>
<td class="nump">4,107<span></span>
</td>
<td class="nump">4,752<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ShareBasedPaymentArrangementSingleEmployeeMinimumNumberOfContracts', window );">Minimum number of accounts/contracts per employee | contract</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClosingForeignExchangeRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The spot exchange rate at the end of the reporting period. Exchange rate is the ratio of exchange for two currencies. Spot exchange rate is the exchange rate for immediate delivery.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClosingForeignExchangeRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NumberOfOutstandingShareOptions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of share options outstanding in a share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 2<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=2&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 2<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=2&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 2<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -Subparagraph b<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=2&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45_b_vi&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b_vi&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b_vi&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NumberOfOutstandingShareOptions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NumberOfParticipantsOfRetirementBenefitPlanReceivingBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of participants in a retirement benefit plan receiving benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2025-01-01<br> -Paragraph 36<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_36_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NumberOfParticipantsOfRetirementBenefitPlanReceivingBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NumberOfShareOptionsExercisedInSharebasedPaymentArrangement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of share options exercised in a share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 2<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -Subparagraph b<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=2&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45_b_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NumberOfShareOptionsExercisedInSharebasedPaymentArrangement</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NumberOfShareOptionsExpiredInSharebasedPaymentArrangement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of share options expired in a share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 2<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -Subparagraph b<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=2&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45_b_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NumberOfShareOptionsExpiredInSharebasedPaymentArrangement</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NumberOfShareOptionsGrantedInSharebasedPaymentArrangement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of share options granted in a share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 2<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=2&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NumberOfShareOptionsGrantedInSharebasedPaymentArrangement</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The weighted average exercise price of share options exercised in a share-based payment arrangement. [Refer: Weighted average [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 2<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -Subparagraph b<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=2&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45_b_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The weighted average exercise price of share options forfeited in a share-based payment arrangement. [Refer: Weighted average [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 2<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -Subparagraph b<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=2&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45_b_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The weighted average exercise price of share options granted in a share-based payment arrangement. [Refer: Weighted average [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 2<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=2&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ShareBasedPaymentArrangementSingleEmployeeMinimumNumberOfContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of accounts/contracts a single employee may have under a share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ShareBasedPaymentArrangementSingleEmployeeMinimumNumberOfContracts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_SharesavePlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfSharebasedPaymentArrangementsAxis=san_SharesavePlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other general administrative expenses - Schedule of detail of other general administrative expenses (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SellingGeneralAndAdministrativeExpenseAbstract', window );"><strong>Selling, general and administrative expense [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TechnologySystemsExpense', window );">Technology and systems</a></td>
<td class="nump">&#8364; 803<span></span>
</td>
<td class="nump">&#8364; 2,539<span></span>
</td>
<td class="nump">&#8364; 2,389<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyServiceChargeExpense', window );">Property, fixtures and supplies (note 2.k)</a></td>
<td class="nump">2,298<span></span>
</td>
<td class="nump">797<span></span>
</td>
<td class="nump">774<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TechnicalReportsExpense', window );">Technical reports</a></td>
<td class="nump">712<span></span>
</td>
<td class="nump">724<span></span>
</td>
<td class="nump">796<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesAndMarketingExpense', window );">Advertising</a></td>
<td class="nump">517<span></span>
</td>
<td class="nump">512<span></span>
</td>
<td class="nump">574<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TaxExpenseOtherThanIncomeTaxExpense', window );">Taxes other than income tax</a></td>
<td class="nump">543<span></span>
</td>
<td class="nump">554<span></span>
</td>
<td class="nump">568<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CommunicationExpense', window );">Communications</a></td>
<td class="nump">367<span></span>
</td>
<td class="nump">387<span></span>
</td>
<td class="nump">400<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SurveillanceAndCourierServicesExpense', window );">Surveillance and cash courier services</a></td>
<td class="nump">314<span></span>
</td>
<td class="nump">337<span></span>
</td>
<td class="nump">325<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TravelExpense', window );">Per diems and travel expenses</a></td>
<td class="nump">250<span></span>
</td>
<td class="nump">232<span></span>
</td>
<td class="nump">213<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceExpense', window );">Insurance premiums</a></td>
<td class="nump">86<span></span>
</td>
<td class="nump">95<span></span>
</td>
<td class="nump">88<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherAdministrativeExpenses', window );">Other administrative expenses</a></td>
<td class="nump">2,055<span></span>
</td>
<td class="nump">2,008<span></span>
</td>
<td class="nump">2,172<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherGeneralAdministrativeExpenses', window );">Other general administrative expenses</a></td>
<td class="nump">&#8364; 7,945<span></span>
</td>
<td class="nump">&#8364; 8,185<span></span>
</td>
<td class="nump">&#8364; 8,299<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CommunicationExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CommunicationExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InsuranceExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InsuranceExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PropertyServiceChargeExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PropertyServiceChargeExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SalesAndMarketingExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SalesAndMarketingExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SellingGeneralAndAdministrativeExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SellingGeneralAndAdministrativeExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TaxExpenseOtherThanIncomeTaxExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TaxExpenseOtherThanIncomeTaxExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TravelExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TravelExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherAdministrativeExpenses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Expenses the entity classifies as administrative.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherAdministrativeExpenses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherGeneralAdministrativeExpenses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other General Administrative Expenses</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherGeneralAdministrativeExpenses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SurveillanceAndCourierServicesExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of expense relating to surveillance and courier services.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SurveillanceAndCourierServicesExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TechnicalReportsExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of expense relating to technical reports.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TechnicalReportsExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TechnologySystemsExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of expense relating to technology and systems.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TechnologySystemsExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>385
<FILENAME>R303.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other general administrative expenses - Schedule of technical reports includes the fees paid by various Group companies (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SellingGeneralAndAdministrativeExpenseAbstract', window );"><strong>Selling, general and administrative expense [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AuditorsRemunerationForAuditServices', window );">Audit</a></td>
<td class="nump">&#8364; 118.5<span></span>
</td>
<td class="nump">&#8364; 122.3<span></span>
</td>
<td class="nump">&#8364; 117.5<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AuditorsRemunerationForAuditRelatedServices', window );">Audit-related services</a></td>
<td class="nump">15.0<span></span>
</td>
<td class="nump">13.6<span></span>
</td>
<td class="nump">8.6<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AuditorsRemunerationForTaxServices', window );">Tax services</a></td>
<td class="nump">0.1<span></span>
</td>
<td class="nump">0.9<span></span>
</td>
<td class="nump">1.6<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AuditorsRemunerationForOtherServices', window );">All other</a></td>
<td class="nump">7.1<span></span>
</td>
<td class="nump">7.4<span></span>
</td>
<td class="nump">5.9<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AuditorsRemuneration', window );">Total</a></td>
<td class="nump">&#8364; 140.7<span></span>
</td>
<td class="nump">&#8364; 144.2<span></span>
</td>
<td class="nump">&#8364; 133.6<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AuditorsRemuneration">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AuditorsRemuneration</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AuditorsRemunerationForAuditServices">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AuditorsRemunerationForAuditServices</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AuditorsRemunerationForOtherServices">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AuditorsRemunerationForOtherServices</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AuditorsRemunerationForTaxServices">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AuditorsRemunerationForTaxServices</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SellingGeneralAndAdministrativeExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SellingGeneralAndAdministrativeExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AuditorsRemunerationForAuditRelatedServices">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of fees paid or payable to the entity's auditors for audit related services.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AuditorsRemunerationForAuditRelatedServices</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>386
<FILENAME>R304.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other general administrative expenses - Narrative (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAttributionOfExpensesByNatureToTheirFunctionLineItems', window );"><strong>Disclosure of attribution of expenses by nature to their function [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AuditorsRemuneration', window );">Auditor's remuneration</a></td>
<td class="nump">&#8364; 140.7<span></span>
</td>
<td class="nump">&#8364; 144.2<span></span>
</td>
<td class="nump">&#8364; 133.6<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfessionalFeesExpense', window );">Commissioned services from audit firms</a></td>
<td class="nump">155.9<span></span>
</td>
<td class="nump">&#8364; 206.2<span></span>
</td>
<td class="nump">&#8364; 174.1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AuditorFirmAxis=san_BDOMember', window );">BDO</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfAttributionOfExpensesByNatureToTheirFunctionLineItems', window );"><strong>Disclosure of attribution of expenses by nature to their function [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AuditorsRemuneration', window );">Auditor's remuneration</a></td>
<td class="nump">&#8364; 1.9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AuditorsRemuneration">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AuditorsRemuneration</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfAttributionOfExpensesByNatureToTheirFunctionLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfAttributionOfExpensesByNatureToTheirFunctionLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfessionalFeesExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfessionalFeesExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AuditorFirmAxis=san_BDOMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AuditorFirmAxis=san_BDOMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>387
<FILENAME>R305.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Other general administrative expenses - Schedule of number of offices (Details) - branch<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfGeographicalAreasLineItems', window );"><strong>Disclosure of geographical areas [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfOffices', window );">Number of offices</a></td>
<td class="nump">7,124<span></span>
</td>
<td class="nump">8,086<span></span>
</td>
<td class="nump">8,518<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfGeographicalAreasLineItems', window );"><strong>Disclosure of geographical areas [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfOffices', window );">Number of offices</a></td>
<td class="nump">1,674<span></span>
</td>
<td class="nump">1,877<span></span>
</td>
<td class="nump">1,924<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_ForeignCountriesMember', window );">Group</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfGeographicalAreasLineItems', window );"><strong>Disclosure of geographical areas [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfOffices', window );">Number of offices</a></td>
<td class="nump">5,450<span></span>
</td>
<td class="nump">6,209<span></span>
</td>
<td class="nump">6,594<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfGeographicalAreasLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfGeographicalAreasLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfOffices">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of offices.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfOffices</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_ForeignCountriesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_ForeignCountriesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>388
<FILENAME>R306.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Gains or losses on non financial assets, net (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssetsAbstract', window );"><strong>Gains (losses) on disposals of non-current assets [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale', window );">Tangible and intangible assets</a></td>
<td class="nump">&#8364; 65<span></span>
</td>
<td class="nump">&#8364; 48<span></span>
</td>
<td class="nump">&#8364; 53<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsOnDisposalsOfInvestments', window );">Investments</a></td>
<td class="nump">17<span></span>
</td>
<td class="nump">360<span></span>
</td>
<td class="nump">285<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsOnDisposalsOfNoncurrentAssets', window );">Gains</a></td>
<td class="nump">82<span></span>
</td>
<td class="nump">408<span></span>
</td>
<td class="nump">338<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale', window );">Tangible and intangible assets</a></td>
<td class="num">(41)<span></span>
</td>
<td class="num">(36)<span></span>
</td>
<td class="num">(26)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LossesOnDisposalsOfInvestments', window );">Investments</a></td>
<td class="num">(41)<span></span>
</td>
<td class="num">(4)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LossesOnDisposalsOfNoncurrentAssets', window );">Losses</a></td>
<td class="num">(82)<span></span>
</td>
<td class="num">(40)<span></span>
</td>
<td class="num">(26)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnDisposalsOfNonFinancialAssetsNet', window );">Gains (losses) on disposal of assets not classified as non-current assets held for sale, total</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 368<span></span>
</td>
<td class="nump">&#8364; 312<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssetsAbstract</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gain on the disposal of investments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 98<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_98_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsOnDisposalsOfInvestments</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsOnDisposalsOfNoncurrentAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gain on disposals of non-current assets. [Refer: Non-current assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsOnDisposalsOfNoncurrentAssets</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The losses on the disposal of investments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 98<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_98_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LossesOnDisposalsOfInvestments</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LossesOnDisposalsOfNoncurrentAssets">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The losses on disposals of non-current assets. [Refer: Non-current assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LossesOnDisposalsOfNoncurrentAssets</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains (Losses) On Disposals Of Non-Financial Assets, Net</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesOnDisposalsOfNonFinancialAssetsNet</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of gains (losses) on disposals of tangible and intangible assets not classified as held for sale during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of losses on disposals of tangible and intangible assets not classified as held for sale during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Gains or losses on non-current assets held for sale not classified as discontinued operations (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfGainsLossesOnAssetsHeldForSaleLineItems', window );"><strong>Gains Or Losses On Assets Held For Sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnNonCurrentTangibleAssets', window );">Tangible assets</a></td>
<td class="num">&#8364; (6)<span></span>
</td>
<td class="num">&#8364; (24)<span></span>
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<td class="num">&#8364; (20)<span></span>
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</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonCurrentAssetsHeldForSaleValuationAllowanceCharges', window );">Impairment (Note 12)</a></td>
<td class="num">(72)<span></span>
</td>
<td class="num">(92)<span></span>
</td>
<td class="num">(51)<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnDisposalsOfOtherNoncurrentAssets', window );">Other gains and other losses</a></td>
<td class="nump">232<span></span>
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<td class="num">(3)<span></span>
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<td class="nump">0<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations', window );">Gains or losses on non-current assets held for sale not classified as discontinued operations</a></td>
<td class="nump">226<span></span>
</td>
<td class="num">(27)<span></span>
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<td class="num">(20)<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis=ifrs-full_NoncurrentAssetsHeldForSaleMember', window );">Non-current assets held for sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfGainsLossesOnAssetsHeldForSaleLineItems', window );"><strong>Gains Or Losses On Assets Held For Sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssets', window );">Gain (loss) on sale (Note 12)</a></td>
<td class="nump">66<span></span>
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<td class="nump">68<span></span>
</td>
<td class="nump">31<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis=ifrs-full_NoncurrentAssetsHeldForSaleMember', window );">Non-current assets held for sale | Caceis (Notes 3 and 12)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfGainsLossesOnAssetsHeldForSaleLineItems', window );"><strong>Gains Or Losses On Assets Held For Sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnDisposalsOfOtherNoncurrentAssets', window );">Other gains and other losses</a></td>
<td class="nump">&#8364; 231<span></span>
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<td class="nump">&#8364; 0<span></span>
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<td class="nump">&#8364; 0<span></span>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) on disposals of non-current assets. [Refer: Non-current assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnDisposalsOfNoncurrentAssets</td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 98<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_98&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnDisposalsOfOtherNoncurrentAssets</td>
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<td><strong> Data Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfGainsLossesOnAssetsHeldForSaleLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains (Losses) On Non-Current Assets Held For Sale Not Classified As Discontinued Operations</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total gain (loss) on noncurrent tangible assets, which includes impairment and gain (loss) on sales.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Charges for the period against the valuation allowance for non-current assets held for sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NonCurrentAssetsHeldForSaleValuationAllowanceCharges</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AssetsAndLiabilitiesClassifiedAsHeldForSaleAxis=ifrs-full_NoncurrentAssetsHeldForSaleMember</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CaceisMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fair value of financial instruments - Schedule of fair values of financial assets and liabilities (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">&#8364; 252,318<span></span>
</td>
<td class="nump">&#8364; 230,253<span></span>
</td>
<td class="nump">&#8364; 176,921<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">7,761<span></span>
</td>
<td class="nump">6,130<span></span>
</td>
<td class="nump">5,910<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">8,046<span></span>
</td>
<td class="nump">7,915<span></span>
</td>
<td class="nump">9,773<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">74,612<span></span>
</td>
<td class="nump">89,898<span></span>
</td>
<td class="nump">83,308<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging', window );">Hedging derivatives (assets)</a></td>
<td class="nump">3,931<span></span>
</td>
<td class="nump">5,672<span></span>
</td>
<td class="nump">5,297<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">171,546<span></span>
</td>
<td class="nump">152,151<span></span>
</td>
<td class="nump">122,270<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">42,148<span></span>
</td>
<td class="nump">36,360<span></span>
</td>
<td class="nump">40,367<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging', window );">Hedging derivatives (liabilities)</a></td>
<td class="nump">4,248<span></span>
</td>
<td class="nump">4,752<span></span>
</td>
<td class="nump">7,656<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsIssuedThatAreLiabilities', window );">Liabilities under insurance contracts</a></td>
<td class="nump">18,737<span></span>
</td>
<td class="nump">17,829<span></span>
</td>
<td class="nump">17,799<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level1OfFairValueHierarchyMember', window );">Level&#160;1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">106,560<span></span>
</td>
<td class="nump">88,147<span></span>
</td>
<td class="nump">67,842<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">2,407<span></span>
</td>
<td class="nump">2,037<span></span>
</td>
<td class="nump">1,765<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">2,860<span></span>
</td>
<td class="nump">2,744<span></span>
</td>
<td class="nump">2,746<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">52,589<span></span>
</td>
<td class="nump">67,680<span></span>
</td>
<td class="nump">64,631<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">37,192<span></span>
</td>
<td class="nump">29,974<span></span>
</td>
<td class="nump">20,298<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">25<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2And3OfFairValueHierarchyMember', window );">Internal Models (level 2 and 3)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">145,758<span></span>
</td>
<td class="nump">142,106<span></span>
</td>
<td class="nump">109,079<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">5,354<span></span>
</td>
<td class="nump">4,093<span></span>
</td>
<td class="nump">4,145<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">5,186<span></span>
</td>
<td class="nump">5,171<span></span>
</td>
<td class="nump">7,027<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">22,023<span></span>
</td>
<td class="nump">22,218<span></span>
</td>
<td class="nump">18,677<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging', window );">Hedging derivatives (assets)</a></td>
<td class="nump">3,931<span></span>
</td>
<td class="nump">5,672<span></span>
</td>
<td class="nump">5,297<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">134,354<span></span>
</td>
<td class="nump">122,177<span></span>
</td>
<td class="nump">101,972<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">42,148<span></span>
</td>
<td class="nump">36,360<span></span>
</td>
<td class="nump">40,342<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging', window );">Hedging derivatives (liabilities)</a></td>
<td class="nump">4,248<span></span>
</td>
<td class="nump">4,752<span></span>
</td>
<td class="nump">7,656<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsIssuedThatAreLiabilities', window );">Liabilities under insurance contracts</a></td>
<td class="nump">&#8364; 18,737<span></span>
</td>
<td class="nump">&#8364; 17,829<span></span>
</td>
<td class="nump">&#8364; 17,799<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of derivative financial assets held for hedging. [Refer: Derivative financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DerivativeFinancialAssetsHeldForHedging</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of derivative financial liabilities held for hedging. [Refer: Derivative financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialInstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss classified as held for trading. A financial asset is classified as held for trading if: (a) it is acquired principally for the purpose of selling it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: At fair value [member]; Financial assets at fair value through profit or loss, mandatorily measured at fair value]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: At fair value [member]; Financial assets at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets mandatorily measured at fair value through profit or loss in accordance with IFRS 9. [Refer: Financial assets at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at fair value through profit or loss that meet the definition of held for trading. A financial liability is classified as held for trading if: (a) it is acquired or incurred principally for the purpose of selling or repurchasing it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: Financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: At fair value [member]; Financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InsuranceContractsIssuedThatAreLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of insurance contracts issued that are liabilities. [Refer: Liabilities; Insurance contracts issued [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_78_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph ma<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_ma&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InsuranceContractsIssuedThatAreLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level1OfFairValueHierarchyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level1OfFairValueHierarchyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2And3OfFairValueHierarchyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2And3OfFairValueHierarchyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<DOCUMENT>
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<SEQUENCE>391
<FILENAME>R309.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair value of financial instruments - Narrative (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;) </div>
<div>independent_division</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FairValueOfFinancialInstrumentsAbstract', window );"><strong>Fair Value of Financial Instruments [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialInstrumentsManagementNumberOfIndependentDivisions', window );">Number of independent divisions | independent_division</a></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets', window );">Amount of CVA</a></td>
<td class="nump">&#8364; 224<span></span>
</td>
<td class="nump">&#8364; 272<span></span>
</td>
<td class="nump">&#8364; 293<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease', window );">Change in CVA (as a percent)</a></td>
<td class="nump">17.60%<span></span>
</td>
<td class="nump">7.20%<span></span>
</td>
<td class="nump">16.50%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability', window );">Amount of DVA</a></td>
<td class="nump">&#8364; 285<span></span>
</td>
<td class="nump">&#8364; 317<span></span>
</td>
<td class="nump">&#8364; 330<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease', window );">Change in DVA (as a percent)</a></td>
<td class="nump">10.10%<span></span>
</td>
<td class="nump">3.90%<span></span>
</td>
<td class="nump">9.30%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesRecognisedInProfitOrLossFairValueMeasurement', window );">Gain (loss) recognized in profit and loss</a></td>
<td class="nump">&#8364; 469<span></span>
</td>
<td class="nump">&#8364; 523<span></span>
</td>
<td class="nump">&#8364; 404<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The accumulated increase (decrease) in the fair value of financial assets designated as measured at fair value through profit or loss that is attributable to changes in the credit risk of the assets determined either: (a) as the amount of change in their fair value that is not attributable to changes in market conditions that gave rise to market risk; or (b) using an alternative method that the entity believes more faithfully represents the amount of change in its fair value that is attributable to changes in the credit risk of the asset. [Refer: Credit risk [member]; Market risk [member]; Increase (decrease) in fair value of financial assets designated as measured at fair value through profit or loss, attributable to changes in credit risk of financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 9<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_9_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The accumulated increase (decrease) in the fair value of financial liabilities that is attributable to changes in the credit risk of the liabilities. [Refer: Credit risk [member]; Market risk [member]; Increase (decrease) in fair value of financial liability, attributable to changes in credit risk of liability]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_10_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 10A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_10A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 46<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_46_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 46<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_46_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_FairValueOfFinancialInstrumentsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value of financial instruments [Abstract]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FairValueOfFinancialInstrumentsAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (decrease) in credit valuation adjustment from prior year as a percent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (decrease) in debt valuation adjustment from prior year as a percent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_FinancialInstrumentsManagementNumberOfIndependentDivisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of independent divisions from which responsibilities are distributed for the systematic valuation and management of financial instruments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FinancialInstrumentsManagementNumberOfIndependentDivisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GainsLossesRecognisedInProfitOrLossFairValueMeasurement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net gains (losses) recognised in profit or loss on the fair value measurement of assets and liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesRecognisedInProfitOrLossFairValueMeasurement</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>392
<FILENAME>R310.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fair value of financial instruments - Schedule of financial instruments at fair value whose measurement was based on internal models (Levels 2 and 3) (Details) (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">&#8364; 163,796<span></span>
</td>
<td class="nump">&#8364; 163,941<span></span>
</td>
<td class="nump">&#8364; 133,874<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">198,377<span></span>
</td>
<td class="nump">179,766<span></span>
</td>
<td class="nump">166,542<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial assets held for trading</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">139,293<span></span>
</td>
<td class="nump">138,176<span></span>
</td>
<td class="nump">106,993<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial assets held for trading | Central banks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">14,191<span></span>
</td>
<td class="nump">12,966<span></span>
</td>
<td class="nump">17,717<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial assets held for trading | Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">25,815<span></span>
</td>
<td class="nump">26,546<span></span>
</td>
<td class="nump">14,061<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial assets held for trading | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">27,986<span></span>
</td>
<td class="nump">24,602<span></span>
</td>
<td class="nump">11,418<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial assets held for trading | Debt and equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">14,470<span></span>
</td>
<td class="nump">11,115<span></span>
</td>
<td class="nump">8,683<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial assets held for trading | Derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">56,831<span></span>
</td>
<td class="nump">62,947<span></span>
</td>
<td class="nump">55,114<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial assets held for trading | Swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">39,716<span></span>
</td>
<td class="nump">47,519<span></span>
</td>
<td class="nump">44,987<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial assets held for trading | Exchange rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">1,332<span></span>
</td>
<td class="nump">1,583<span></span>
</td>
<td class="nump">836<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial assets held for trading | Interest rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">1,490<span></span>
</td>
<td class="nump">1,879<span></span>
</td>
<td class="nump">2,210<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial assets held for trading | Index and securities options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">439<span></span>
</td>
<td class="nump">465<span></span>
</td>
<td class="nump">126<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial assets held for trading | Interest rate forwards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">177<span></span>
</td>
<td class="nump">1,445<span></span>
</td>
<td class="nump">33<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial assets held for trading | Other derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">13,677<span></span>
</td>
<td class="nump">10,056<span></span>
</td>
<td class="nump">6,922<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Hedging derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">3,924<span></span>
</td>
<td class="nump">5,652<span></span>
</td>
<td class="nump">5,297<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Hedging derivatives | Swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">3,690<span></span>
</td>
<td class="nump">5,390<span></span>
</td>
<td class="nump">4,665<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Hedging derivatives | Interest rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">91<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Hedging derivatives | Other derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">143<span></span>
</td>
<td class="nump">260<span></span>
</td>
<td class="nump">630<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">2,465<span></span>
</td>
<td class="nump">1,505<span></span>
</td>
<td class="nump">2,050<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Non-trading financial assets mandatorily at fair value through profit or loss | Equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">899<span></span>
</td>
<td class="nump">763<span></span>
</td>
<td class="nump">815<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Non-trading financial assets mandatorily at fair value through profit or loss | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">54<span></span>
</td>
<td class="nump">205<span></span>
</td>
<td class="nump">539<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Non-trading financial assets mandatorily at fair value through profit or loss | Loans and advances</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">1,512<span></span>
</td>
<td class="nump">537<span></span>
</td>
<td class="nump">696<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">5,152<span></span>
</td>
<td class="nump">5,065<span></span>
</td>
<td class="nump">6,846<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Central banks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">413<span></span>
</td>
<td class="nump">408<span></span>
</td>
<td class="nump">459<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">4,725<span></span>
</td>
<td class="nump">4,590<span></span>
</td>
<td class="nump">6,189<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">67<span></span>
</td>
<td class="nump">198<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">12,962<span></span>
</td>
<td class="nump">13,543<span></span>
</td>
<td class="nump">12,688<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial assets at fair value through other comprehensive income | Equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">19<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial assets at fair value through other comprehensive income | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">6,819<span></span>
</td>
<td class="nump">9,644<span></span>
</td>
<td class="nump">9,638<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial assets at fair value through other comprehensive income | Loans and advances</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">6,124<span></span>
</td>
<td class="nump">3,894<span></span>
</td>
<td class="nump">3,045<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial liabilities held for trading</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">133,490<span></span>
</td>
<td class="nump">121,243<span></span>
</td>
<td class="nump">101,103<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial liabilities held for trading | Central banks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">12,385<span></span>
</td>
<td class="nump">13,300<span></span>
</td>
<td class="nump">7,808<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial liabilities held for trading | Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">27,058<span></span>
</td>
<td class="nump">26,284<span></span>
</td>
<td class="nump">17,862<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial liabilities held for trading | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">36,120<span></span>
</td>
<td class="nump">18,984<span></span>
</td>
<td class="nump">19,837<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial liabilities held for trading | Derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">50,248<span></span>
</td>
<td class="nump">56,205<span></span>
</td>
<td class="nump">49,380<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial liabilities held for trading | Swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">33,597<span></span>
</td>
<td class="nump">41,283<span></span>
</td>
<td class="nump">39,395<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial liabilities held for trading | Interest rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">121<span></span>
</td>
<td class="nump">2,295<span></span>
</td>
<td class="nump">2,207<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial liabilities held for trading | Exchange rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">903<span></span>
</td>
<td class="nump">1,057<span></span>
</td>
<td class="nump">549<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial liabilities held for trading | Index and securities options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">1,094<span></span>
</td>
<td class="nump">1,160<span></span>
</td>
<td class="nump">466<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial liabilities held for trading | Forwards on interest rate and variable income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">1,951<span></span>
</td>
<td class="nump">1,276<span></span>
</td>
<td class="nump">101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial liabilities held for trading | Other derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">12,582<span></span>
</td>
<td class="nump">9,134<span></span>
</td>
<td class="nump">6,662<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Financial liabilities held for trading | Short positions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">7,679<span></span>
</td>
<td class="nump">6,470<span></span>
</td>
<td class="nump">6,216<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Hedging derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">4,229<span></span>
</td>
<td class="nump">4,740<span></span>
</td>
<td class="nump">7,650<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Hedging derivatives | Swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">4,191<span></span>
</td>
<td class="nump">4,618<span></span>
</td>
<td class="nump">6,866<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Hedging derivatives | Interest rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | Hedging derivatives | Other derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">38<span></span>
</td>
<td class="nump">119<span></span>
</td>
<td class="nump">783<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Financial assets and liabilities | FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">42,148<span></span>
</td>
<td class="nump">36,200<span></span>
</td>
<td class="nump">40,313<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Interest rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">18,510<span></span>
</td>
<td class="nump">17,583<span></span>
</td>
<td class="nump">17,476<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">18,487<span></span>
</td>
<td class="nump">15,319<span></span>
</td>
<td class="nump">10,351<span></span>
</td>
<td class="nump">&#8364; 8,290<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">1,110<span></span>
</td>
<td class="nump">1,352<span></span>
</td>
<td class="nump">1,227<span></span>
</td>
<td class="nump">925<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets held for trading</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">6,496<span></span>
</td>
<td class="nump">3,930<span></span>
</td>
<td class="nump">2,086<span></span>
</td>
<td class="nump">383<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets held for trading | Central banks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">441<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets held for trading | Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">152<span></span>
</td>
<td class="nump">769<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets held for trading | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">4,592<span></span>
</td>
<td class="nump">1,801<span></span>
</td>
<td class="nump">24<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets held for trading | Derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">971<span></span>
</td>
<td class="nump">947<span></span>
</td>
<td class="nump">1,147<span></span>
</td>
<td class="nump">340<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets held for trading | Swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">551<span></span>
</td>
<td class="nump">556<span></span>
</td>
<td class="nump">577<span></span>
</td>
<td class="nump">139<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets held for trading | Exchange rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">39<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">9<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets held for trading | Interest rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">39<span></span>
</td>
<td class="nump">30<span></span>
</td>
<td class="nump">153<span></span>
</td>
<td class="nump">39<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets held for trading | Index and securities options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">120<span></span>
</td>
<td class="nump">241<span></span>
</td>
<td class="nump">235<span></span>
</td>
<td class="nump">48<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets held for trading | Other derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">222<span></span>
</td>
<td class="nump">118<span></span>
</td>
<td class="nump">173<span></span>
</td>
<td class="nump">110<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets held for trading | Equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets held for trading | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">340<span></span>
</td>
<td class="nump">413<span></span>
</td>
<td class="nump">914<span></span>
</td>
<td class="nump">42<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">2,889<span></span>
</td>
<td class="nump">2,588<span></span>
</td>
<td class="nump">2,095<span></span>
</td>
<td class="nump">1,833<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Non-trading financial assets mandatorily at fair value through profit or loss | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">171<span></span>
</td>
<td class="nump">505<span></span>
</td>
<td class="nump">287<span></span>
</td>
<td class="nump">239<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Non-trading financial assets mandatorily at fair value through profit or loss | Equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">2,543<span></span>
</td>
<td class="nump">1,841<span></span>
</td>
<td class="nump">1,495<span></span>
</td>
<td class="nump">1,269<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Non-trading financial assets mandatorily at fair value through profit or loss | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">175<span></span>
</td>
<td class="nump">242<span></span>
</td>
<td class="nump">313<span></span>
</td>
<td class="nump">325<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">34<span></span>
</td>
<td class="nump">106<span></span>
</td>
<td class="nump">181<span></span>
</td>
<td class="nump">427<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="nump">31<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">20<span></span>
</td>
<td class="nump">86<span></span>
</td>
<td class="nump">150<span></span>
</td>
<td class="nump">422<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">9,061<span></span>
</td>
<td class="nump">8,675<span></span>
</td>
<td class="nump">5,989<span></span>
</td>
<td class="nump">5,647<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets at fair value through other comprehensive income | Equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">272<span></span>
</td>
<td class="nump">375<span></span>
</td>
<td class="nump">492<span></span>
</td>
<td class="nump">700<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets at fair value through other comprehensive income | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">887<span></span>
</td>
<td class="nump">1,047<span></span>
</td>
<td class="nump">559<span></span>
</td>
<td class="nump">229<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets at fair value through other comprehensive income | Loans and advances</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">7,902<span></span>
</td>
<td class="nump">7,253<span></span>
</td>
<td class="nump">4,938<span></span>
</td>
<td class="nump">4,718<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial liabilities held for trading</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">864<span></span>
</td>
<td class="nump">934<span></span>
</td>
<td class="nump">869<span></span>
</td>
<td class="nump">415<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial liabilities held for trading | Derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">864<span></span>
</td>
<td class="nump">934<span></span>
</td>
<td class="nump">869<span></span>
</td>
<td class="nump">415<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial liabilities held for trading | Swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">418<span></span>
</td>
<td class="nump">479<span></span>
</td>
<td class="nump">388<span></span>
</td>
<td class="nump">235<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial liabilities held for trading | Interest rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">95<span></span>
</td>
<td class="nump">79<span></span>
</td>
<td class="nump">139<span></span>
</td>
<td class="nump">19<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial liabilities held for trading | Exchange rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">34<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial liabilities held for trading | Index and securities options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">151<span></span>
</td>
<td class="nump">294<span></span>
</td>
<td class="nump">187<span></span>
</td>
<td class="nump">42<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial liabilities held for trading | Other derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">166<span></span>
</td>
<td class="nump">82<span></span>
</td>
<td class="nump">147<span></span>
</td>
<td class="nump">119<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">160<span></span>
</td>
<td class="nump">29<span></span>
</td>
<td class="nump">&#8364; 151<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial assets held for trading</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">6,496<span></span>
</td>
<td class="nump">3,930<span></span>
</td>
<td class="nump">2,086<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial assets held for trading | Central banks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">441<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial assets held for trading | Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">152<span></span>
</td>
<td class="nump">769<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial assets held for trading | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">4,592<span></span>
</td>
<td class="nump">1,801<span></span>
</td>
<td class="nump">24<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial assets held for trading | Debt and equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">340<span></span>
</td>
<td class="nump">413<span></span>
</td>
<td class="nump">915<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial assets held for trading | Derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">971<span></span>
</td>
<td class="nump">947<span></span>
</td>
<td class="nump">1,147<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial assets held for trading | Swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">551<span></span>
</td>
<td class="nump">556<span></span>
</td>
<td class="nump">577<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial assets held for trading | Exchange rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">39<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial assets held for trading | Interest rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">39<span></span>
</td>
<td class="nump">30<span></span>
</td>
<td class="nump">153<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial assets held for trading | Index and securities options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">120<span></span>
</td>
<td class="nump">241<span></span>
</td>
<td class="nump">235<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial assets held for trading | Interest rate forwards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial assets held for trading | Other derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">222<span></span>
</td>
<td class="nump">118<span></span>
</td>
<td class="nump">173<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Hedging derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Hedging derivatives | Swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Hedging derivatives | Interest rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Hedging derivatives | Other derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">2,889<span></span>
</td>
<td class="nump">2,588<span></span>
</td>
<td class="nump">2,095<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Non-trading financial assets mandatorily at fair value through profit or loss | Equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">2,543<span></span>
</td>
<td class="nump">1,841<span></span>
</td>
<td class="nump">1,495<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Non-trading financial assets mandatorily at fair value through profit or loss | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">175<span></span>
</td>
<td class="nump">242<span></span>
</td>
<td class="nump">313<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Non-trading financial assets mandatorily at fair value through profit or loss | Loans and advances</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">171<span></span>
</td>
<td class="nump">505<span></span>
</td>
<td class="nump">287<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">34<span></span>
</td>
<td class="nump">106<span></span>
</td>
<td class="nump">181<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Central banks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="nump">31<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">20<span></span>
</td>
<td class="nump">86<span></span>
</td>
<td class="nump">150<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">9,061<span></span>
</td>
<td class="nump">8,675<span></span>
</td>
<td class="nump">5,989<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial assets at fair value through other comprehensive income | Equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">272<span></span>
</td>
<td class="nump">375<span></span>
</td>
<td class="nump">492<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial assets at fair value through other comprehensive income | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">887<span></span>
</td>
<td class="nump">1,047<span></span>
</td>
<td class="nump">559<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial assets at fair value through other comprehensive income | Loans and advances</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">7,902<span></span>
</td>
<td class="nump">7,253<span></span>
</td>
<td class="nump">4,938<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial liabilities held for trading</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">864<span></span>
</td>
<td class="nump">934<span></span>
</td>
<td class="nump">869<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial liabilities held for trading | Central banks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial liabilities held for trading | Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial liabilities held for trading | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial liabilities held for trading | Derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">864<span></span>
</td>
<td class="nump">934<span></span>
</td>
<td class="nump">869<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial liabilities held for trading | Swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">418<span></span>
</td>
<td class="nump">479<span></span>
</td>
<td class="nump">388<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial liabilities held for trading | Interest rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">79<span></span>
</td>
<td class="nump">139<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial liabilities held for trading | Exchange rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">34<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial liabilities held for trading | Index and securities options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">151<span></span>
</td>
<td class="nump">294<span></span>
</td>
<td class="nump">187<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial liabilities held for trading | Forwards on interest rate and variable income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">95<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial liabilities held for trading | Other derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">166<span></span>
</td>
<td class="nump">82<span></span>
</td>
<td class="nump">147<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Financial liabilities held for trading | Short positions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Hedging derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">19<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Hedging derivatives | Swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">19<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Hedging derivatives | Interest rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | Hedging derivatives | Other derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Financial assets and liabilities | FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">160<span></span>
</td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Interest rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">&#8364; 227<span></span>
</td>
<td class="nump">&#8364; 246<span></span>
</td>
<td class="nump">&#8364; 323<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialInstrumentsLineItems</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The fair value of financial assets. [Refer: At fair value [member]; Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValue</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The fair value of financial liabilities. [Refer: At fair value [member]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValue</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Name:</strong></td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_DebtAndEquityInstrumentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
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</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
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<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_ExchangeRateOptionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
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<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_InterestRateOptionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_IndexAndSecuritiesOptionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_InterestRateForwardsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
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<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_OtherDerivativesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_DerivativesDesignatedAsHedgingInstrumentsCategoryMember">
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<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=san_DerivativesDesignatedAsHedgingInstrumentsCategoryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember">
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<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember">
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</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember">
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</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_LoansAndAdvancesCentralBanksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_LoansAndAdvancesCentralBanksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_LoansAndAdvancesCreditInstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_LoansAndAdvancesCreditInstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_LoansAndAdvancesCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_LoansAndAdvancesCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember">
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<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_SwapContractMember">
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<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_SwapContractMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair value of financial instruments - Schedule of effect on fair value of financial instruments classified as Level 3 of a reasonable change in the assumptions used in the valuation (Details)<br> &#8364; in Thousands</strong></div></th>
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<div>Dec. 31, 2025 </div>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities', window );">Decrease in fair value liabilities due to changes in inputs</a></td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities', window );">Decrease in fair value liabilities due to changes in inputs</a></td>
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</td>
<td class="num">&#8364; (4,090)<span></span>
</td>
<td class="num">(4,090)<span></span>
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</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities', window );">Increase in fair value assets due to changes in inputs</a></td>
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<td class="nump">1,650<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis=san_VolatilityOptionModelValuationTechniqueMember', window );">Volatility Option Model Valuation Technique | Financial liabilities held for trading | Cap&amp;Floor</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities', window );">Decrease in fair value liabilities due to changes in inputs</a></td>
<td class="num">(90)<span></span>
</td>
<td class="num">(110)<span></span>
</td>
<td class="num">(110)<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">70<span></span>
</td>
<td class="nump">70<span></span>
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<td class="nump">70<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis=san_VolatilityOptionModelValuationTechniqueMember', window );">Volatility Option Model Valuation Technique | Financial liabilities held for trading | FX Options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities', window );">Decrease in fair value liabilities due to changes in inputs</a></td>
<td class="num">(330)<span></span>
</td>
<td class="num">(30)<span></span>
</td>
<td class="num">(30)<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">220<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="nump">20<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis=san_VolatilityOptionModelValuationTechniqueMember', window );">Volatility Option Model Valuation Technique | Financial liabilities held for trading | Swaptions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities', window );">Decrease in fair value liabilities due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(210)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 100<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis=san_DiscountedCashFlowsOnInflationSwapRateMember', window );">Discounted cash flows on inflation swap rate | Financial liabilities held for trading | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities', window );">Decrease in fair value liabilities due to changes in inputs</a></td>
<td class="num">(1,380)<span></span>
</td>
<td class="num">(4,770)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 1,400<span></span>
</td>
<td class="nump">&#8364; 4,240<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Credit spread | Discounted Cash Flows | Financial liabilities held for trading | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="nump">0.00084<span></span>
</td>
<td class="nump">0.0034<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Volatility | Discounted Cash Flows | Financial liabilities held for trading | Constant Maturity Swap (CMS)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.10<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Volatility | Volatility Option Model Valuation Technique | Financial liabilities held for trading | Cap&amp;Floor</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="nump">0.10<span></span>
</td>
<td class="nump">0.10<span></span>
</td>
<td class="nump">0.10<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Volatility | Volatility Option Model Valuation Technique | Financial liabilities held for trading | FX Options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="nump">0.10<span></span>
</td>
<td class="nump">0.10<span></span>
</td>
<td class="nump">0.10<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Volatility | Volatility Option Model Valuation Technique | Financial liabilities held for trading | Swaptions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.10<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Inflation Swap Rate | Discounted Cash Flows | Financial liabilities held for trading | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.10<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum | Inflation Swap Rate | Discounted cash flows on inflation swap rate | Financial liabilities held for trading | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="nump">0.01<span></span>
</td>
<td class="nump">0.01<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Credit spread | Discounted Cash Flows | Financial liabilities held for trading | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="nump">0.00192<span></span>
</td>
<td class="nump">0.0068<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Volatility | Discounted Cash Flows | Financial liabilities held for trading | Constant Maturity Swap (CMS)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.90<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Volatility | Volatility Option Model Valuation Technique | Financial liabilities held for trading | Cap&amp;Floor</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="nump">0.90<span></span>
</td>
<td class="nump">0.90<span></span>
</td>
<td class="nump">0.90<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Volatility | Volatility Option Model Valuation Technique | Financial liabilities held for trading | FX Options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="nump">0.90<span></span>
</td>
<td class="nump">0.90<span></span>
</td>
<td class="nump">0.90<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Volatility | Volatility Option Model Valuation Technique | Financial liabilities held for trading | Swaptions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.90<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Inflation Swap Rate | Discounted Cash Flows | Financial liabilities held for trading | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.90<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember', window );">Maximum | Inflation Swap Rate | Discounted cash flows on inflation swap rate | Financial liabilities held for trading | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="nump">0.99<span></span>
</td>
<td class="nump">0.99<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_WeightedAverageMember', window );">Weighted average | Credit spread | Discounted Cash Flows | Financial liabilities held for trading | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.001070<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0044<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_WeightedAverageMember', window );">Weighted average | Volatility | Discounted Cash Flows | Financial liabilities held for trading | Constant Maturity Swap (CMS)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.4766<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_WeightedAverageMember', window );">Weighted average | Volatility | Volatility Option Model Valuation Technique | Financial liabilities held for trading | Cap&amp;Floor</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="nump">0.4380<span></span>
</td>
<td class="nump">0.4220<span></span>
</td>
<td class="nump">0.4220<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_WeightedAverageMember', window );">Weighted average | Volatility | Volatility Option Model Valuation Technique | Financial liabilities held for trading | FX Options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="nump">0.4230<span></span>
</td>
<td class="nump">0.4530<span></span>
</td>
<td class="nump">0.4530<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_WeightedAverageMember', window );">Weighted average | Volatility | Volatility Option Model Valuation Technique | Financial liabilities held for trading | Swaptions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.3555<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_WeightedAverageMember', window );">Weighted average | Inflation Swap Rate | Discounted Cash Flows | Financial liabilities held for trading | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.3903<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_WeightedAverageMember', window );">Weighted average | Inflation Swap Rate | Discounted cash flows on inflation swap rate | Financial liabilities held for trading | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputLiabilities', window );">Significant unobservable input, liabilities</a></td>
<td class="nump">0.5040<span></span>
</td>
<td class="nump">0.4712<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Corporate debt | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">&#8364; (2,240)<span></span>
</td>
<td class="num">&#8364; (2,240)<span></span>
</td>
<td class="num">&#8364; (4,500)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 2,290<span></span>
</td>
<td class="nump">&#8364; 2,290<span></span>
</td>
<td class="nump">&#8364; 4,610<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Corporate debt | Minimum | Credit spread | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Corporate debt | Maximum | Credit spread | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.10<span></span>
</td>
<td class="nump">0.10<span></span>
</td>
<td class="nump">0.10<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Corporate debt | Weighted average | Credit spread | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.0510<span></span>
</td>
<td class="nump">0.0510<span></span>
</td>
<td class="nump">0.0506<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Other debt securities | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">&#8364; (1,320)<span></span>
</td>
<td class="num">&#8364; (1,320)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 620<span></span>
</td>
<td class="nump">&#8364; 620<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Other debt securities | Minimum | Credit spread | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.10<span></span>
</td>
<td class="nump">0.10<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Other debt securities | Maximum | Credit spread | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.90<span></span>
</td>
<td class="nump">0.90<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Other debt securities | Weighted average | Credit spread | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.3550<span></span>
</td>
<td class="nump">0.3550<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Government debt | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">&#8364; (9,210)<span></span>
</td>
<td class="num">&#8364; (9,210)<span></span>
</td>
<td class="num">&#8364; (8,070)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 9,240<span></span>
</td>
<td class="nump">&#8364; 9,240<span></span>
</td>
<td class="nump">&#8364; 8,020<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Government debt | Minimum | Discount curve | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Government debt | Maximum | Discount curve | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.08<span></span>
</td>
<td class="nump">0.08<span></span>
</td>
<td class="nump">0.08<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Government debt | Weighted average | Discount curve | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.0400<span></span>
</td>
<td class="nump">0.0400<span></span>
</td>
<td class="nump">0.0399<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Currency swap contract | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">&#8364; (10)<span></span>
</td>
<td class="num">&#8364; (10)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 10<span></span>
</td>
<td class="nump">&#8364; 10<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Currency swap contract | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">&#8364; (900)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,030<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Currency swap contract | Minimum | Interest rate | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(0.0006)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Currency swap contract | Minimum | Credit spread | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">1.463<span></span>
</td>
<td class="nump">1.58<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Currency swap contract | Maximum | Interest rate | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0006<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Currency swap contract | Maximum | Credit spread | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">1.483<span></span>
</td>
<td class="nump">1.65<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Currency swap contract | Weighted average | Interest rate | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.000040<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Currency swap contract | Weighted average | Credit spread | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">1.4730<span></span>
</td>
<td class="nump">1.6150<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Credit default swaps | Price Based Valuation Technique</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">&#8364; (90)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 100<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Credit default swaps | Credit Default Models</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">&#8364; (140)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 140<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Credit default swaps | Minimum | Illiquid credit default spread curves | Credit Default Models</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0100<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Credit default swaps | Minimum | Credit spread | Price Based Valuation Technique</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Credit default swaps | Maximum | Illiquid credit default spread curves | Credit Default Models</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0200<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Credit default swaps | Maximum | Credit spread | Price Based Valuation Technique</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Credit default swaps | Weighted average | Illiquid credit default spread curves | Credit Default Models</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.014914<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Credit default swaps | Weighted average | Credit spread | Price Based Valuation Technique</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.7883<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | EQ Options | EQ option pricing model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">&#8364; (170)<span></span>
</td>
<td class="num">&#8364; (480)<span></span>
</td>
<td class="num">&#8364; (480)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">240<span></span>
</td>
<td class="nump">690<span></span>
</td>
<td class="nump">690<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | EQ Options | Local volatility</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">(18,860)<span></span>
</td>
<td class="num">(21,540)<span></span>
</td>
<td class="num">(21,540)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 18,860<span></span>
</td>
<td class="nump">&#8364; 21,540<span></span>
</td>
<td class="nump">&#8364; 21,540<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | EQ Options | Minimum | Volatility | EQ option pricing model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | EQ Options | Minimum | Volatility | Local volatility</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.10<span></span>
</td>
<td class="nump">0.10<span></span>
</td>
<td class="nump">0.10<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | EQ Options | Maximum | Volatility | EQ option pricing model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.70<span></span>
</td>
<td class="nump">0.70<span></span>
</td>
<td class="nump">0.70<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | EQ Options | Maximum | Volatility | Local volatility</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.90<span></span>
</td>
<td class="nump">0.90<span></span>
</td>
<td class="nump">0.90<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | EQ Options | Weighted average | Volatility | EQ option pricing model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.4050<span></span>
</td>
<td class="nump">0.4125<span></span>
</td>
<td class="nump">0.4125<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | EQ Options | Weighted average | Volatility | Local volatility</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.5000<span></span>
</td>
<td class="nump">0.5000<span></span>
</td>
<td class="nump">0.5000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Inflation Derivatives | Asset Swap Model Valuation Technique</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">&#8364; (180)<span></span>
</td>
<td class="num">&#8364; (210)<span></span>
</td>
<td class="num">&#8364; (210)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 170<span></span>
</td>
<td class="nump">&#8364; 180<span></span>
</td>
<td class="nump">&#8364; 180<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Inflation Derivatives | Minimum | Inflation Swap Rate | Asset Swap Model Valuation Technique</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.02<span></span>
</td>
<td class="nump">0.02<span></span>
</td>
<td class="nump">0.02<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Inflation Derivatives | Maximum | Inflation Swap Rate | Asset Swap Model Valuation Technique</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.08<span></span>
</td>
<td class="nump">0.08<span></span>
</td>
<td class="nump">0.08<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Inflation Derivatives | Weighted average | Inflation Swap Rate | Asset Swap Model Valuation Technique</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.0490<span></span>
</td>
<td class="nump">0.0478<span></span>
</td>
<td class="nump">0.0478<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | IR Options | IR option pricing model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">&#8364; (190)<span></span>
</td>
<td class="num">&#8364; (160)<span></span>
</td>
<td class="num">&#8364; (160)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">190<span></span>
</td>
<td class="nump">&#8364; 220<span></span>
</td>
<td class="nump">&#8364; 220<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | IR Options | INF option pricing model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">(630)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 630<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | IR Options | Minimum | Volatility | IR option pricing model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0.000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | IR Options | Minimum | Volatility | INF option pricing model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | IR Options | Maximum | Volatility | IR option pricing model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.30<span></span>
</td>
<td class="nump">0.30<span></span>
</td>
<td class="nump">0.300<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | IR Options | Maximum | Volatility | INF option pricing model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.30<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | IR Options | Weighted average | Volatility | IR option pricing model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.1480<span></span>
</td>
<td class="nump">0.1734<span></span>
</td>
<td class="nump">0.1734<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | IR Options | Weighted average | Volatility | INF option pricing model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.1490<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Discounted Cash Flows on credit spread</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">&#8364; (2,100)<span></span>
</td>
<td class="num">&#8364; (1,910)<span></span>
</td>
<td class="num">&#8364; (1,910)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">840<span></span>
</td>
<td class="nump">1,740<span></span>
</td>
<td class="nump">1,740<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Discounting Cash Flows On Inflation Swap Rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">1,410<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(30)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">30<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Others</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">(11,240)<span></span>
</td>
<td class="num">(4,090)<span></span>
</td>
<td class="num">(4,090)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 8,230<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Discounted Cash Flows on swap rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2,450)<span></span>
</td>
<td class="num">(2,450)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 2,410<span></span>
</td>
<td class="nump">2,410<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Prepayment modelling</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 50<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Minimum | Interest rate | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(0.00052)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Minimum | Credit spread | Discounted Cash Flows on credit spread</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.196<span></span>
</td>
<td class="nump">0.478<span></span>
</td>
<td class="nump">0.478<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Minimum | Inflation Swap Rate | Discounting Cash Flows On Inflation Swap Rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.010<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Minimum | Swap rate | Discounted Cash Flows on swap rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.01<span></span>
</td>
<td class="nump">0.010<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Minimum | Other Measurement Input | Others</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.05<span></span>
</td>
<td class="nump">0.05<span></span>
</td>
<td class="nump">0.05<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Minimum | Prepayment rate | Prepayment modelling</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.025<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Maximum | Interest rate | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.00052<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Maximum | Credit spread | Discounted Cash Flows on credit spread</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">1.275<span></span>
</td>
<td class="nump">2.734<span></span>
</td>
<td class="nump">2.734<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Maximum | Inflation Swap Rate | Discounting Cash Flows On Inflation Swap Rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.990<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Maximum | Swap rate | Discounted Cash Flows on swap rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.99<span></span>
</td>
<td class="nump">0.990<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Maximum | Prepayment rate | Prepayment modelling</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.090<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Weighted average | Interest rate | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.000009<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Weighted average | Credit spread | Discounted Cash Flows on credit spread</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.5050<span></span>
</td>
<td class="nump">1.5536<span></span>
</td>
<td class="nump">1.5536<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Weighted average | Inflation Swap Rate | Discounting Cash Flows On Inflation Swap Rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.9900<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Weighted average | Swap rate | Discounted Cash Flows on swap rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.4958<span></span>
</td>
<td class="nump">0.4958<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate swaps | Weighted average | Prepayment rate | Prepayment modelling</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0892<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Other derivatives | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">&#8364; (3,480)<span></span>
</td>
<td class="num">&#8364; (3,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 3,470<span></span>
</td>
<td class="nump">&#8364; 3,080<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Other derivatives | Minimum | Price | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.0060<span></span>
</td>
<td class="nump">0.0060<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Other derivatives | Maximum | Price | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.0300<span></span>
</td>
<td class="nump">0.0300<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Other derivatives | Weighted average | Price | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.017980<span></span>
</td>
<td class="nump">0.018150<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Property derivatives | Option pricing model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">&#8364; (2,640)<span></span>
</td>
<td class="num">&#8364; (3,390)<span></span>
</td>
<td class="num">&#8364; (3,390)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 2,640<span></span>
</td>
<td class="nump">&#8364; 3,390<span></span>
</td>
<td class="nump">&#8364; 3,390<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Property derivatives | Minimum | Growth rate | Option pricing model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="num">(0.05)<span></span>
</td>
<td class="num">(0.05)<span></span>
</td>
<td class="num">(0.05)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Property derivatives | Maximum | Growth rate | Option pricing model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.05<span></span>
</td>
<td class="nump">0.05<span></span>
</td>
<td class="nump">0.05<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Property derivatives | Weighted average | Growth rate | Option pricing model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.0000<span></span>
</td>
<td class="nump">0.0000<span></span>
</td>
<td class="nump">0.0000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Cap&amp;Floor | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Cap&amp;Floor | Black Scholes model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">&#8364; (380)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 520<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Cap&amp;Floor | Minimum | Interest rate | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(0.0002)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Cap&amp;Floor | Minimum | Volatility | Black Scholes model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="num">(0.000650)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Cap&amp;Floor | Maximum | Interest rate | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0002<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Cap&amp;Floor | Maximum | Volatility | Black Scholes model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.000650<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Cap&amp;Floor | Weighted average | Interest rate | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.000000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Cap&amp;Floor | Weighted average | Volatility | Black Scholes model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.000100<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | FX Options | Fx option pricing model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">&#8364; (500)<span></span>
</td>
<td class="num">&#8364; (650)<span></span>
</td>
<td class="num">&#8364; (650)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 490<span></span>
</td>
<td class="nump">&#8364; 660<span></span>
</td>
<td class="nump">&#8364; 660<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | FX Options | Minimum | Volatility | Fx option pricing model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | FX Options | Maximum | Volatility | Fx option pricing model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.40<span></span>
</td>
<td class="nump">0.40<span></span>
</td>
<td class="nump">0.40<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | FX Options | Weighted average | Volatility | Fx option pricing model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.1980<span></span>
</td>
<td class="nump">0.2010<span></span>
</td>
<td class="nump">0.2010<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Repos/Reverse Repos | Others</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">&#8364; (10,500)<span></span>
</td>
<td class="num">&#8364; (50)<span></span>
</td>
<td class="num">&#8364; (50)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">10,500<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Securitisation Swap | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(630)<span></span>
</td>
<td class="num">(630)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 630<span></span>
</td>
<td class="nump">&#8364; 630<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Securitisation Swap | Minimum | Prepayment rate | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.10<span></span>
</td>
<td class="nump">0.10<span></span>
</td>
<td class="nump">0.1000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Securitisation Swap | Maximum | Prepayment rate | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.90<span></span>
</td>
<td class="nump">0.90<span></span>
</td>
<td class="nump">0.9000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Securitisation Swap | Weighted average | Prepayment rate | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.5000<span></span>
</td>
<td class="nump">0.5000<span></span>
</td>
<td class="nump">0.5000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Fx forward | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">&#8364; (10)<span></span>
</td>
<td class="num">&#8364; (60)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 20<span></span>
</td>
<td class="nump">&#8364; 70<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Fx forward | Minimum | Swap rate | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Fx forward | Maximum | Swap rate | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.15<span></span>
</td>
<td class="nump">0.15<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Fx forward | Weighted average | Swap rate | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.0810<span></span>
</td>
<td class="nump">0.0808<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Structured Notes | Price Based Valuation Technique</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">&#8364; (1,530)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,530<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Structured Notes | Minimum | Price | Price Based Valuation Technique</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(0.10)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Structured Notes | Maximum | Price | Price Based Valuation Technique</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.10<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Structured Notes | Weighted average | Price | Price Based Valuation Technique</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember', window );">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Other debt securities | Others</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="num">&#8364; (3,630)<span></span>
</td>
<td class="num">&#8364; (3,630)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 3,550<span></span>
</td>
<td class="nump">&#8364; 3,550<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember', window );">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Other debt securities | Minimum | Inflation Swap Rate | Others</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember', window );">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Other debt securities | Maximum | Inflation Swap Rate | Others</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.08<span></span>
</td>
<td class="nump">0.08<span></span>
</td>
<td class="nump">0.08<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember', window );">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Other debt securities | Weighted average | Inflation Swap Rate | Others</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.0410<span></span>
</td>
<td class="nump">0.0396<span></span>
</td>
<td class="nump">0.0396<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember', window );">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Loans | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">&#8364; (120)<span></span>
</td>
<td class="num">&#8364; (150)<span></span>
</td>
<td class="num">&#8364; (150)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 120<span></span>
</td>
<td class="nump">&#8364; 150<span></span>
</td>
<td class="nump">&#8364; 150<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember', window );">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Loans | Minimum | Credit spread | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.001<span></span>
</td>
<td class="nump">0.001<span></span>
</td>
<td class="nump">0.001<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember', window );">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Loans | Maximum | Credit spread | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.03<span></span>
</td>
<td class="nump">0.020<span></span>
</td>
<td class="nump">0.02<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember', window );">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Loans | Weighted average | Credit spread | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.0160<span></span>
</td>
<td class="nump">0.0105<span></span>
</td>
<td class="nump">0.0105<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember', window );">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Mortgage portfolio | Black Scholes model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">&#8364; (230)<span></span>
</td>
<td class="num">&#8364; (240)<span></span>
</td>
<td class="num">&#8364; (240)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 230<span></span>
</td>
<td class="nump">&#8364; 240<span></span>
</td>
<td class="nump">&#8364; 240<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember', window );">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Mortgage portfolio | Minimum | Growth rate | Black Scholes model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="num">(0.05)<span></span>
</td>
<td class="num">(0.05)<span></span>
</td>
<td class="num">(0.05)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember', window );">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Mortgage portfolio | Maximum | Growth rate | Black Scholes model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.05<span></span>
</td>
<td class="nump">0.05<span></span>
</td>
<td class="nump">0.05<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember', window );">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS | Mortgage portfolio | Weighted average | Growth rate | Black Scholes model</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.0000<span></span>
</td>
<td class="nump">0.0000<span></span>
</td>
<td class="nump">0.0000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember', window );">Non-trading financial assets mandatorily at fair value through profit or loss | Property securities | Probability weighting</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">&#8364; (110)<span></span>
</td>
<td class="num">&#8364; (240)<span></span>
</td>
<td class="num">&#8364; (240)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 110<span></span>
</td>
<td class="nump">&#8364; 240<span></span>
</td>
<td class="nump">&#8364; 240<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember', window );">Non-trading financial assets mandatorily at fair value through profit or loss | Property securities | Minimum | Growth rate | Probability weighting</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="num">(0.05)<span></span>
</td>
<td class="num">(0.05)<span></span>
</td>
<td class="num">(0.05)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember', window );">Non-trading financial assets mandatorily at fair value through profit or loss | Property securities | Maximum | Growth rate | Probability weighting</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.05<span></span>
</td>
<td class="nump">0.05<span></span>
</td>
<td class="nump">0.05<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember', window );">Non-trading financial assets mandatorily at fair value through profit or loss | Property securities | Weighted average | Growth rate | Probability weighting</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.0000<span></span>
</td>
<td class="nump">0.0000<span></span>
</td>
<td class="nump">0.0000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember', window );">Non-trading financial assets mandatorily at fair value through profit or loss | Equity instruments | Price Based Valuation Technique</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">&#8364; (254,290)<span></span>
</td>
<td class="num">&#8364; (183,980)<span></span>
</td>
<td class="num">&#8364; (183,980)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 254,290<span></span>
</td>
<td class="nump">&#8364; 183,980<span></span>
</td>
<td class="nump">&#8364; 183,980<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember', window );">Non-trading financial assets mandatorily at fair value through profit or loss | Equity instruments | Minimum | Price | Price Based Valuation Technique</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.90<span></span>
</td>
<td class="nump">0.90<span></span>
</td>
<td class="nump">0.90<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember', window );">Non-trading financial assets mandatorily at fair value through profit or loss | Equity instruments | Maximum | Price | Price Based Valuation Technique</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">1.10<span></span>
</td>
<td class="nump">1.10<span></span>
</td>
<td class="nump">1.10<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember', window );">Non-trading financial assets mandatorily at fair value through profit or loss | Equity instruments | Weighted average | Price | Price Based Valuation Technique</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">1.0000<span></span>
</td>
<td class="nump">1.0000<span></span>
</td>
<td class="nump">1.0000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Corporate debt | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">&#8364; (90)<span></span>
</td>
<td class="num">&#8364; (90)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 90<span></span>
</td>
<td class="nump">&#8364; 90<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Corporate debt | Minimum | Margin Of A Reference Portfolio | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(0.0001)<span></span>
</td>
<td class="num">(0.0001)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Corporate debt | Maximum | Margin Of A Reference Portfolio | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0001<span></span>
</td>
<td class="nump">0.0001<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Corporate debt | Weighted average | Margin Of A Reference Portfolio | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0000<span></span>
</td>
<td class="nump">0.0000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Equity instruments | Price Based Valuation Technique</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">&#8364; (27,160)<span></span>
</td>
<td class="num">&#8364; (37,560)<span></span>
</td>
<td class="num">&#8364; (37,560)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 27,160<span></span>
</td>
<td class="nump">&#8364; 37,560<span></span>
</td>
<td class="nump">&#8364; 37,560<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Equity instruments | Minimum | Price | Price Based Valuation Technique</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.90<span></span>
</td>
<td class="nump">0.90<span></span>
</td>
<td class="nump">0.90<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Equity instruments | Maximum | Price | Price Based Valuation Technique</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">1.10<span></span>
</td>
<td class="nump">1.10<span></span>
</td>
<td class="nump">1.10<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Equity instruments | Weighted average | Price | Price Based Valuation Technique</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">1.0000<span></span>
</td>
<td class="nump">1.0000<span></span>
</td>
<td class="nump">1.0000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Discounted Cash Flows on credit spread</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">&#8364; (2,330)<span></span>
</td>
<td class="num">&#8364; (18,610)<span></span>
</td>
<td class="num">&#8364; (18,610)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">2,330<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Discounted Cash Flows on interest rate curve</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(170)<span></span>
</td>
<td class="num">(170)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">170<span></span>
</td>
<td class="nump">170<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Discounted Cash Flows on margin of a reference portfolio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">(250)<span></span>
</td>
<td class="num">(30,360)<span></span>
</td>
<td class="num">(30,360)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">250<span></span>
</td>
<td class="nump">30,360<span></span>
</td>
<td class="nump">30,360<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Present value method</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">(1,600)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,960)<span></span>
</td>
<td class="num">(1,960)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Market comparable prices</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="num">(2,700)<span></span>
</td>
<td class="num">(4,910)<span></span>
</td>
<td class="num">(4,910)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 540<span></span>
</td>
<td class="nump">&#8364; 1,230<span></span>
</td>
<td class="nump">&#8364; 1,230<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Minimum | Interest rate | Discounted Cash Flows on interest rate curve</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.061<span></span>
</td>
<td class="nump">0.034<span></span>
</td>
<td class="nump">0.034<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Minimum | Margin of a reference portfolio | Discounted Cash Flows on margin of a reference portfolio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.03<span></span>
</td>
<td class="num">(0.0001)<span></span>
</td>
<td class="num">(0.0001)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Minimum | Credit spread | Present value method</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.01219<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Minimum | Credit spread | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0150<span></span>
</td>
<td class="nump">0.01500<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Minimum | Market price | Market comparable prices</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="num">(0.003)<span></span>
</td>
<td class="num">(0.05)<span></span>
</td>
<td class="num">(0.05)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Maximum | Interest rate | Discounted Cash Flows on interest rate curve</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.072<span></span>
</td>
<td class="nump">0.065<span></span>
</td>
<td class="nump">0.065<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Maximum | Margin of a reference portfolio | Discounted Cash Flows on margin of a reference portfolio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.07<span></span>
</td>
<td class="nump">0.0001<span></span>
</td>
<td class="nump">0.0001<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Maximum | Credit spread | Present value method</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.01747<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Maximum | Credit spread | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0232<span></span>
</td>
<td class="nump">0.02320<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Maximum | Market price | Market comparable prices</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.001<span></span>
</td>
<td class="nump">0.20<span></span>
</td>
<td class="nump">0.20<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Weighted average | Interest rate | Discounted Cash Flows on interest rate curve</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.0660<span></span>
</td>
<td class="nump">0.0495<span></span>
</td>
<td class="nump">0.0495<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Weighted average | Margin of a reference portfolio | Discounted Cash Flows on margin of a reference portfolio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.05<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Weighted average | Credit spread | Present value method</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.01219<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Weighted average | Credit spread | Forward estimation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0150<span></span>
</td>
<td class="nump">0.015000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans | Weighted average | Market price | Market comparable prices</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="num">(0.0030)<span></span>
</td>
<td class="nump">0.0001<span></span>
</td>
<td class="nump">0.0001<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Government debt | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Government debt | Minimum | Interest rate | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Government debt | Maximum | Interest rate | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.02<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Government debt | Weighted average | Interest rate | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0099<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Mortgage Letters | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Decrease in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets', window );">Increase in fair value assets due to changes in inputs</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Mortgage Letters | Minimum | Mortgage Letters | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.034<span></span>
</td>
<td class="nump">0.016<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Mortgage Letters | Maximum | Mortgage Letters | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.055<span></span>
</td>
<td class="nump">0.052<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Mortgage Letters | Weighted average | Mortgage Letters | Discounted Cash Flows</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantUnobservableInputAssets', window );">Significant unobservable input, assets</a></td>
<td class="nump">0.0450<span></span>
</td>
<td class="nump">0.0340<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of decrease in the fair value measurement of assets due to a change in multiple unobservable inputs to reflect reasonably possible alternative assumptions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph h<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_h_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of decrease in the fair value measurement of liabilities due to a change in multiple unobservable inputs to reflect reasonably possible alternative assumptions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph h<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_h_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DecreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialInstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of increase in the fair value measurement of assets due to a change in multiple unobservable inputs to reflect reasonably possible alternative assumptions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph h<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_h_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of increase in the fair value measurement of liabilities due to a change in multiple unobservable inputs to reflect reasonably possible alternative assumptions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph h<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_h_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseInFairValueMeasurementDueToChangeInMultipleUnobservableInputsToReflectReasonablyPossibleAlternativeAssumptionsLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantUnobservableInputAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The value of significant unobservable input used in the measurement of the fair value of assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantUnobservableInputAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantUnobservableInputLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The value of significant unobservable input used in the measurement of the fair value of liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantUnobservableInputLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis=ifrs-full_DiscountedCashFlowMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ValuationTechniquesUsedInFairValueMeasurementAxis=ifrs-full_DiscountedCashFlowMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<td><strong> Name:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair value of financial instruments - Disclosure of changes in fair value of financial assets and liabilities calculated using internal models (Details) - Level&#160;3 - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">&#8364; 18,487<span></span>
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<td class="nump">&#8364; 15,319<span></span>
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<td class="nump">&#8364; 10,351<span></span>
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</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">13,345<span></span>
</td>
<td class="nump">11,048<span></span>
</td>
<td class="nump">4,214<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="num">(9,198)<span></span>
</td>
<td class="num">(5,243)<span></span>
</td>
<td class="num">(3,798)<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">405<span></span>
</td>
<td class="nump">403<span></span>
</td>
<td class="nump">280<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets', window );">Changes in fair value recognized in equity</a></td>
<td class="num">(73)<span></span>
</td>
<td class="num">(136)<span></span>
</td>
<td class="num">(204)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="num">(222)<span></span>
</td>
<td class="num">(779)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,409<span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="num">(1,089)<span></span>
</td>
<td class="num">(325)<span></span>
</td>
<td class="nump">160<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">15,319<span></span>
</td>
<td class="nump">10,351<span></span>
</td>
<td class="nump">8,290<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at beginning of period</a></td>
<td class="nump">1,352<span></span>
</td>
<td class="nump">1,227<span></span>
</td>
<td class="nump">925<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementLiabilities', window );">Purchases, fair value measurement, liabilities</a></td>
<td class="nump">160<span></span>
</td>
<td class="nump">513<span></span>
</td>
<td class="nump">308<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementLiabilities', window );">Sales/Settlements</a></td>
<td class="num">(256)<span></span>
</td>
<td class="num">(205)<span></span>
</td>
<td class="num">(318)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="num">(64)<span></span>
</td>
<td class="num">(120)<span></span>
</td>
<td class="num">(124)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementLiabilities', window );">Gains (losses) recognised in other comprehensive income including exchange differences, fair value measurement, liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(40)<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities', window );">Transfers out of Level 3 of fair value hierarchy, liabilities</a></td>
<td class="num">(101)<span></span>
</td>
<td class="num">(172)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities', window );">Transfers into Level 3 of fair value hierarchy, liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">471<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities', window );">Other</a></td>
<td class="nump">19<span></span>
</td>
<td class="nump">109<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at end of period</a></td>
<td class="nump">1,110<span></span>
</td>
<td class="nump">1,352<span></span>
</td>
<td class="nump">1,227<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Financial liabilities held for trading</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at beginning of period</a></td>
<td class="nump">934<span></span>
</td>
<td class="nump">869<span></span>
</td>
<td class="nump">415<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementLiabilities', window );">Purchases, fair value measurement, liabilities</a></td>
<td class="nump">160<span></span>
</td>
<td class="nump">472<span></span>
</td>
<td class="nump">276<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementLiabilities', window );">Sales/Settlements</a></td>
<td class="num">(206)<span></span>
</td>
<td class="num">(200)<span></span>
</td>
<td class="num">(167)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="num">(59)<span></span>
</td>
<td class="num">(95)<span></span>
</td>
<td class="num">(118)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities', window );">Transfers out of Level 3 of fair value hierarchy, liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(266)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities', window );">Transfers into Level 3 of fair value hierarchy, liabilities</a></td>
<td class="nump">16<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">476<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities', window );">Other</a></td>
<td class="nump">19<span></span>
</td>
<td class="nump">154<span></span>
</td>
<td class="num">(13)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at end of period</a></td>
<td class="nump">864<span></span>
</td>
<td class="nump">934<span></span>
</td>
<td class="nump">869<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Financial liabilities held for trading | Derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at beginning of period</a></td>
<td class="nump">934<span></span>
</td>
<td class="nump">869<span></span>
</td>
<td class="nump">415<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementLiabilities', window );">Purchases, fair value measurement, liabilities</a></td>
<td class="nump">160<span></span>
</td>
<td class="nump">472<span></span>
</td>
<td class="nump">276<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementLiabilities', window );">Sales/Settlements</a></td>
<td class="num">(206)<span></span>
</td>
<td class="num">(200)<span></span>
</td>
<td class="num">(167)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="num">(59)<span></span>
</td>
<td class="num">(95)<span></span>
</td>
<td class="num">(118)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities', window );">Transfers out of Level 3 of fair value hierarchy, liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(266)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities', window );">Transfers into Level 3 of fair value hierarchy, liabilities</a></td>
<td class="nump">16<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">476<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities', window );">Other</a></td>
<td class="nump">19<span></span>
</td>
<td class="nump">154<span></span>
</td>
<td class="num">(13)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at end of period</a></td>
<td class="nump">864<span></span>
</td>
<td class="nump">934<span></span>
</td>
<td class="nump">869<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Financial liabilities held for trading | Swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at beginning of period</a></td>
<td class="nump">479<span></span>
</td>
<td class="nump">388<span></span>
</td>
<td class="nump">235<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementLiabilities', window );">Purchases, fair value measurement, liabilities</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">371<span></span>
</td>
<td class="nump">53<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementLiabilities', window );">Sales/Settlements</a></td>
<td class="num">(88)<span></span>
</td>
<td class="num">(20)<span></span>
</td>
<td class="num">(83)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="num">(90)<span></span>
</td>
<td class="num">(205)<span></span>
</td>
<td class="num">(58)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities', window );">Transfers out of Level 3 of fair value hierarchy, liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(105)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities', window );">Transfers into Level 3 of fair value hierarchy, liabilities</a></td>
<td class="nump">19<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">257<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities', window );">Other</a></td>
<td class="nump">97<span></span>
</td>
<td class="nump">50<span></span>
</td>
<td class="num">(16)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at end of period</a></td>
<td class="nump">418<span></span>
</td>
<td class="nump">479<span></span>
</td>
<td class="nump">388<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Financial liabilities held for trading | Exchange rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at beginning of period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementLiabilities', window );">Purchases, fair value measurement, liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementLiabilities', window );">Sales/Settlements</a></td>
<td class="num">(1)<span></span>
</td>
<td class="num">(5)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities', window );">Transfers out of Level 3 of fair value hierarchy, liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(3)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities', window );">Transfers into Level 3 of fair value hierarchy, liabilities</a></td>
<td class="nump">18<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities', window );">Other</a></td>
<td class="nump">15<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at end of period</a></td>
<td class="nump">34<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">8<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Financial liabilities held for trading | Interest rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at beginning of period</a></td>
<td class="nump">79<span></span>
</td>
<td class="nump">139<span></span>
</td>
<td class="nump">19<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementLiabilities', window );">Purchases, fair value measurement, liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementLiabilities', window );">Sales/Settlements</a></td>
<td class="num">(25)<span></span>
</td>
<td class="num">(54)<span></span>
</td>
<td class="num">(5)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">17<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="num">(16)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities', window );">Transfers out of Level 3 of fair value hierarchy, liabilities</a></td>
<td class="num">(3)<span></span>
</td>
<td class="num">(10)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities', window );">Transfers into Level 3 of fair value hierarchy, liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">137<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities', window );">Other</a></td>
<td class="nump">27<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at end of period</a></td>
<td class="nump">95<span></span>
</td>
<td class="nump">79<span></span>
</td>
<td class="nump">139<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Financial liabilities held for trading | Index and securities options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at beginning of period</a></td>
<td class="nump">294<span></span>
</td>
<td class="nump">187<span></span>
</td>
<td class="nump">42<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementLiabilities', window );">Purchases, fair value measurement, liabilities</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">54<span></span>
</td>
<td class="nump">88<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementLiabilities', window );">Sales/Settlements</a></td>
<td class="num">(83)<span></span>
</td>
<td class="num">(14)<span></span>
</td>
<td class="num">(13)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">113<span></span>
</td>
<td class="num">(15)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities', window );">Transfers out of Level 3 of fair value hierarchy, liabilities</a></td>
<td class="num">(4)<span></span>
</td>
<td class="num">(40)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities', window );">Transfers into Level 3 of fair value hierarchy, liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">82<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities', window );">Other</a></td>
<td class="num">(63)<span></span>
</td>
<td class="num">(6)<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at end of period</a></td>
<td class="nump">151<span></span>
</td>
<td class="nump">294<span></span>
</td>
<td class="nump">187<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Financial liabilities held for trading | Securities and interest rate futures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at beginning of period</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementLiabilities', window );">Purchases, fair value measurement, liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementLiabilities', window );">Sales/Settlements</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities', window );">Transfers out of Level 3 of fair value hierarchy, liabilities</a></td>
<td class="num">(19)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities', window );">Other</a></td>
<td class="nump">19<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at end of period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Financial liabilities held for trading | Other derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at beginning of period</a></td>
<td class="nump">82<span></span>
</td>
<td class="nump">147<span></span>
</td>
<td class="nump">119<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementLiabilities', window );">Purchases, fair value measurement, liabilities</a></td>
<td class="nump">158<span></span>
</td>
<td class="nump">47<span></span>
</td>
<td class="nump">125<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementLiabilities', window );">Sales/Settlements</a></td>
<td class="num">(9)<span></span>
</td>
<td class="num">(107)<span></span>
</td>
<td class="num">(66)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">6<span></span>
</td>
<td class="num">(6)<span></span>
</td>
<td class="num">(31)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities', window );">Transfers out of Level 3 of fair value hierarchy, liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(108)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities', window );">Transfers into Level 3 of fair value hierarchy, liabilities</a></td>
<td class="nump">5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities', window );">Other</a></td>
<td class="num">(76)<span></span>
</td>
<td class="nump">109<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at end of period</a></td>
<td class="nump">166<span></span>
</td>
<td class="nump">82<span></span>
</td>
<td class="nump">147<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Hedging derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at beginning of period</a></td>
<td class="nump">12<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementLiabilities', window );">Purchases, fair value measurement, liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementLiabilities', window );">Sales/Settlements</a></td>
<td class="num">(1)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(3)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities', window );">Transfers out of Level 3 of fair value hierarchy, liabilities</a></td>
<td class="num">(6)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(5)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities', window );">Other</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at end of period</a></td>
<td class="nump">19<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Hedging derivatives | Swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at beginning of period</a></td>
<td class="nump">12<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementLiabilities', window );">Purchases, fair value measurement, liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementLiabilities', window );">Sales/Settlements</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(3)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities', window );">Transfers out of Level 3 of fair value hierarchy, liabilities</a></td>
<td class="num">(6)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(5)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities', window );">Other</a></td>
<td class="num">(1)<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at end of period</a></td>
<td class="nump">19<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Hedging derivatives | Interest rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at beginning of period</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementLiabilities', window );">Purchases, fair value measurement, liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementLiabilities', window );">Sales/Settlements</a></td>
<td class="num">(1)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities', window );">Transfers out of Level 3 of fair value hierarchy, liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities', window );">Other</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at end of period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at beginning of period</a></td>
<td class="nump">160<span></span>
</td>
<td class="nump">29<span></span>
</td>
<td class="nump">151<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementLiabilities', window );">Purchases, fair value measurement, liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">41<span></span>
</td>
<td class="nump">32<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementLiabilities', window );">Sales/Settlements</a></td>
<td class="num">(49)<span></span>
</td>
<td class="num">(5)<span></span>
</td>
<td class="num">(151)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="num">(3)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities', window );">Transfers out of Level 3 of fair value hierarchy, liabilities</a></td>
<td class="num">(111)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities', window );">Transfers into Level 3 of fair value hierarchy, liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">94<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities', window );">Other</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at end of period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">160<span></span>
</td>
<td class="nump">29<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Interest rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract', window );"><strong>Changes in financial instruments, Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at beginning of period</a></td>
<td class="nump">246<span></span>
</td>
<td class="nump">323<span></span>
</td>
<td class="nump">345<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementLiabilities', window );">Purchases, fair value measurement, liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementLiabilities', window );">Sales/Settlements</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="num">(19)<span></span>
</td>
<td class="num">(26)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementLiabilities', window );">Gains (losses) recognised in other comprehensive income including exchange differences, fair value measurement, liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(40)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities', window );">Transfers out of Level 3 of fair value hierarchy, liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities', window );">Transfers into Level 3 of fair value hierarchy, liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities', window );">Other</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(51)<span></span>
</td>
<td class="nump">18<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Liabilities at end of period</a></td>
<td class="nump">227<span></span>
</td>
<td class="nump">246<span></span>
</td>
<td class="nump">323<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">6,496<span></span>
</td>
<td class="nump">3,930<span></span>
</td>
<td class="nump">2,086<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">5,353<span></span>
</td>
<td class="nump">3,205<span></span>
</td>
<td class="nump">496<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="num">(2,748)<span></span>
</td>
<td class="num">(813)<span></span>
</td>
<td class="num">(149)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">57<span></span>
</td>
<td class="nump">302<span></span>
</td>
<td class="nump">194<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="num">(9)<span></span>
</td>
<td class="num">(715)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,162<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="num">(87)<span></span>
</td>
<td class="num">(135)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">3,930<span></span>
</td>
<td class="nump">2,086<span></span>
</td>
<td class="nump">383<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Central banks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">441<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">437<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">152<span></span>
</td>
<td class="nump">769<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">128<span></span>
</td>
<td class="nump">770<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="num">(744)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="num">(1)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">769<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">4,592<span></span>
</td>
<td class="nump">1,801<span></span>
</td>
<td class="nump">24<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">4,450<span></span>
</td>
<td class="nump">1,808<span></span>
</td>
<td class="nump">23<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="num">(1,711)<span></span>
</td>
<td class="num">(24)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">52<span></span>
</td>
<td class="num">(7)<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="num">(2)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">1,801<span></span>
</td>
<td class="nump">24<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">340<span></span>
</td>
<td class="nump">413<span></span>
</td>
<td class="nump">914<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">110<span></span>
</td>
<td class="nump">355<span></span>
</td>
<td class="nump">126<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="num">(112)<span></span>
</td>
<td class="num">(384)<span></span>
</td>
<td class="num">(63)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="num">(13)<span></span>
</td>
<td class="num">(39)<span></span>
</td>
<td class="nump">30<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="num">(21)<span></span>
</td>
<td class="num">(377)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">773<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="num">(37)<span></span>
</td>
<td class="num">(56)<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">413<span></span>
</td>
<td class="nump">914<span></span>
</td>
<td class="nump">42<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">971<span></span>
</td>
<td class="nump">947<span></span>
</td>
<td class="nump">1,147<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">228<span></span>
</td>
<td class="nump">272<span></span>
</td>
<td class="nump">347<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="num">(181)<span></span>
</td>
<td class="num">(405)<span></span>
</td>
<td class="num">(86)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">350<span></span>
</td>
<td class="nump">163<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(338)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">10<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">389<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="num">(47)<span></span>
</td>
<td class="num">(79)<span></span>
</td>
<td class="num">(6)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">947<span></span>
</td>
<td class="nump">1,147<span></span>
</td>
<td class="nump">340<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">551<span></span>
</td>
<td class="nump">556<span></span>
</td>
<td class="nump">577<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">184<span></span>
</td>
<td class="nump">90<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="num">(81)<span></span>
</td>
<td class="num">(278)<span></span>
</td>
<td class="num">(4)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="num">(30)<span></span>
</td>
<td class="nump">186<span></span>
</td>
<td class="nump">179<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="num">(21)<span></span>
</td>
<td class="num">(152)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">191<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="nump">126<span></span>
</td>
<td class="nump">39<span></span>
</td>
<td class="num">(18)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">556<span></span>
</td>
<td class="nump">577<span></span>
</td>
<td class="nump">139<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Exchange rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">39<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(6)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">19<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="nump">13<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">9<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">39<span></span>
</td>
<td class="nump">30<span></span>
</td>
<td class="nump">153<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">13<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(42)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">1<span></span>
</td>
<td class="num">(20)<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(74)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">20<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">112<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="num">(18)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">30<span></span>
</td>
<td class="nump">153<span></span>
</td>
<td class="nump">39<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Index and securities options</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">120<span></span>
</td>
<td class="nump">241<span></span>
</td>
<td class="nump">235<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">42<span></span>
</td>
<td class="nump">132<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="num">(41)<span></span>
</td>
<td class="num">(44)<span></span>
</td>
<td class="num">(4)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">37<span></span>
</td>
<td class="nump">128<span></span>
</td>
<td class="num">(20)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="num">(5)<span></span>
</td>
<td class="num">(106)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">76<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="num">(113)<span></span>
</td>
<td class="num">(14)<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">241<span></span>
</td>
<td class="nump">235<span></span>
</td>
<td class="nump">48<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Interest rate futures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="num">(14)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="num">(6)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="nump">20<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember', window );">Financial assets held for trading | Other derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">222<span></span>
</td>
<td class="nump">118<span></span>
</td>
<td class="nump">173<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">220<span></span>
</td>
<td class="nump">33<span></span>
</td>
<td class="nump">124<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="num">(45)<span></span>
</td>
<td class="num">(40)<span></span>
</td>
<td class="num">(78)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">56<span></span>
</td>
<td class="num">(2)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">10<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="num">(75)<span></span>
</td>
<td class="num">(104)<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">118<span></span>
</td>
<td class="nump">173<span></span>
</td>
<td class="nump">110<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_HedgingDerivativesMember', window );">Hedging derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="num">(7)<span></span>
</td>
<td class="nump">15<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="num">(4)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="num">(2)<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">20<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_HedgingDerivativesMember', window );">Hedging derivatives | Swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="num">(7)<span></span>
</td>
<td class="nump">15<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="num">(4)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="num">(2)<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">20<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember', window );">Financial assets at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">34<span></span>
</td>
<td class="nump">106<span></span>
</td>
<td class="nump">181<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">33<span></span>
</td>
<td class="nump">417<span></span>
</td>
<td class="nump">51<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="num">(100)<span></span>
</td>
<td class="num">(300)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="num">(5)<span></span>
</td>
<td class="nump">13<span></span>
</td>
<td class="num">(21)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(201)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">22<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(4)<span></span>
</td>
<td class="num">(298)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">106<span></span>
</td>
<td class="nump">181<span></span>
</td>
<td class="nump">427<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember', window );">Financial assets at fair value through profit or loss | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="nump">31<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="num">(5)<span></span>
</td>
<td class="num">(5)<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(23)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">22<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="num">(1)<span></span>
</td>
<td class="nump">17<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">20<span></span>
</td>
<td class="nump">31<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember', window );">Financial assets at fair value through profit or loss | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">20<span></span>
</td>
<td class="nump">86<span></span>
</td>
<td class="nump">150<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">33<span></span>
</td>
<td class="nump">417<span></span>
</td>
<td class="nump">51<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="num">(100)<span></span>
</td>
<td class="num">(300)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">18<span></span>
</td>
<td class="num">(25)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(178)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="nump">1<span></span>
</td>
<td class="num">(21)<span></span>
</td>
<td class="num">(298)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">86<span></span>
</td>
<td class="nump">150<span></span>
</td>
<td class="nump">422<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">2,889<span></span>
</td>
<td class="nump">2,588<span></span>
</td>
<td class="nump">2,095<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">324<span></span>
</td>
<td class="nump">719<span></span>
</td>
<td class="nump">345<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="num">(191)<span></span>
</td>
<td class="num">(349)<span></span>
</td>
<td class="num">(238)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">360<span></span>
</td>
<td class="nump">73<span></span>
</td>
<td class="nump">107<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="num">(266)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(6)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">132<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="nump">74<span></span>
</td>
<td class="num">(82)<span></span>
</td>
<td class="nump">54<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">2,588<span></span>
</td>
<td class="nump">2,095<span></span>
</td>
<td class="nump">1,833<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember', window );">Non-trading financial assets mandatorily at fair value through profit or loss | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">171<span></span>
</td>
<td class="nump">505<span></span>
</td>
<td class="nump">287<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">390<span></span>
</td>
<td class="nump">99<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(128)<span></span>
</td>
<td class="num">(73)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="num">(36)<span></span>
</td>
<td class="num">(31)<span></span>
</td>
<td class="nump">13<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="num">(266)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">41<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="num">(32)<span></span>
</td>
<td class="num">(54)<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">505<span></span>
</td>
<td class="nump">287<span></span>
</td>
<td class="nump">239<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember', window );">Non-trading financial assets mandatorily at fair value through profit or loss | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">175<span></span>
</td>
<td class="nump">242<span></span>
</td>
<td class="nump">313<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">24<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="nump">38<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="num">(40)<span></span>
</td>
<td class="num">(96)<span></span>
</td>
<td class="num">(48)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="num">(27)<span></span>
</td>
<td class="nump">10<span></span>
</td>
<td class="num">(5)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">11<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="num">(24)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">242<span></span>
</td>
<td class="nump">313<span></span>
</td>
<td class="nump">325<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember', window );">Non-trading financial assets mandatorily at fair value through profit or loss | Equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">2,543<span></span>
</td>
<td class="nump">1,841<span></span>
</td>
<td class="nump">1,495<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">300<span></span>
</td>
<td class="nump">325<span></span>
</td>
<td class="nump">208<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="num">(151)<span></span>
</td>
<td class="num">(125)<span></span>
</td>
<td class="num">(117)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">423<span></span>
</td>
<td class="nump">94<span></span>
</td>
<td class="nump">99<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(6)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">80<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="nump">130<span></span>
</td>
<td class="num">(28)<span></span>
</td>
<td class="nump">42<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">1,841<span></span>
</td>
<td class="nump">1,495<span></span>
</td>
<td class="nump">1,269<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">9,061<span></span>
</td>
<td class="nump">8,675<span></span>
</td>
<td class="nump">5,989<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">7,635<span></span>
</td>
<td class="nump">6,707<span></span>
</td>
<td class="nump">3,322<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="num">(6,159)<span></span>
</td>
<td class="num">(3,781)<span></span>
</td>
<td class="num">(3,411)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets', window );">Changes in fair value recognized in equity</a></td>
<td class="num">(73)<span></span>
</td>
<td class="num">(136)<span></span>
</td>
<td class="num">(204)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">57<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="nump">231<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="num">(1,074)<span></span>
</td>
<td class="num">(110)<span></span>
</td>
<td class="nump">404<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">8,675<span></span>
</td>
<td class="nump">5,989<span></span>
</td>
<td class="nump">5,647<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Loans and advances</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">7,902<span></span>
</td>
<td class="nump">7,253<span></span>
</td>
<td class="nump">4,938<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">7,259<span></span>
</td>
<td class="nump">5,962<span></span>
</td>
<td class="nump">3,322<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="num">(5,621)<span></span>
</td>
<td class="num">(3,685)<span></span>
</td>
<td class="num">(3,408)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets', window );">Changes in fair value recognized in equity</a></td>
<td class="num">(87)<span></span>
</td>
<td class="nump">43<span></span>
</td>
<td class="nump">36<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">97<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">160<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="num">(999)<span></span>
</td>
<td class="num">(5)<span></span>
</td>
<td class="nump">110<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">7,253<span></span>
</td>
<td class="nump">4,938<span></span>
</td>
<td class="nump">4,718<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">887<span></span>
</td>
<td class="nump">1,047<span></span>
</td>
<td class="nump">559<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">360<span></span>
</td>
<td class="nump">743<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="num">(530)<span></span>
</td>
<td class="num">(81)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets', window );">Changes in fair value recognized in equity</a></td>
<td class="nump">16<span></span>
</td>
<td class="num">(74)<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="num">(40)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="nump">71<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="nump">34<span></span>
</td>
<td class="num">(106)<span></span>
</td>
<td class="nump">254<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">1,047<span></span>
</td>
<td class="nump">559<span></span>
</td>
<td class="nump">229<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial assets at fair value through other comprehensive income | Equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract', window );"><strong>Changes in financial instruments, Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at beginning of period</a></td>
<td class="nump">272<span></span>
</td>
<td class="nump">375<span></span>
</td>
<td class="nump">492<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PurchasesFairValueMeasurementAssets', window );">Purchases /Issuances</a></td>
<td class="nump">16<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SalesFairValueMeasurementAssets', window );">Sales/Settlements</a></td>
<td class="num">(8)<span></span>
</td>
<td class="num">(15)<span></span>
</td>
<td class="num">(3)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets', window );">Changes in fair value recognized in profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets', window );">Changes in fair value recognized in equity</a></td>
<td class="num">(2)<span></span>
</td>
<td class="num">(105)<span></span>
</td>
<td class="num">(245)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets', window );">Transfers out of Level 3 of fair value hierarchy, assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets', window );">Transfers into Level 3 of fair value hierarchy, assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets', window );">Other</a></td>
<td class="num">(109)<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">40<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Assets at end of period</a></td>
<td class="nump">&#8364; 375<span></span>
</td>
<td class="nump">&#8364; 492<span></span>
</td>
<td class="nump">&#8364; 700<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The fair value of financial assets. [Refer: At fair value [member]; Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The fair value of financial liabilities. [Refer: At fair value [member]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) including exchange differences recognised in other comprehensive income on the fair value measurement of assets. [Refer: At fair value [member]; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph d<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_d_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph d<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_d_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) including exchange differences recognised in other comprehensive income on the fair value measurement of liabilities. [Refer: At fair value [member]; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph d<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_d_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph d<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_d_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) including exchange differences recognised in profit or loss on the fair value measurement of assets. [Refer: At fair value [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_d_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_d_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) including exchange differences recognised in profit or loss on the fair value measurement of liabilities. [Refer: At fair value [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_d_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_d_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PurchasesFairValueMeasurementAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase in the fair value measurement of assets resulting from purchases of those assets. [Refer: At fair value [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PurchasesFairValueMeasurementAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PurchasesFairValueMeasurementLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase in the fair value measurement of liabilities resulting from purchases of those liabilities. [Refer: At fair value [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PurchasesFairValueMeasurementLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReconciliationOfChangesInFairValueMeasurementAssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReconciliationOfChangesInFairValueMeasurementLiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SalesFairValueMeasurementAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease in the fair value measurement of assets resulting from sales. [Refer: At fair value [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SalesFairValueMeasurementAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SalesFairValueMeasurementLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease in the fair value measurement of liabilities resulting from sales. [Refer: At fair value [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SalesFairValueMeasurementLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of transfers of assets into Level 3 of the fair value hierarchy. [Refer: Level 3 of fair value hierarchy [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TransfersIntoLevel3OfFairValueHierarchyAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of transfers of liabilities into Level 3 of the fair value hierarchy. [Refer: Level 3 of fair value hierarchy [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TransfersIntoLevel3OfFairValueHierarchyLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of transfers of assets out of Level 3 of the fair value hierarchy. [Refer: Level 3 of fair value hierarchy [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of transfers of liabilities out of Level 3 of the fair value hierarchy. [Refer: Level 3 of fair value hierarchy [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TransfersOutOfLevel3OfFairValueHierarchyLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherIncreaseDecreaseInFairValueMeasurementAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the fair value measurement of assets that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherIncreaseDecreaseInFairValueMeasurementAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the fair value measurement of liabilities that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherIncreaseDecreaseInFairValueMeasurementLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_SwapContractMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_SwapContractMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_ExchangeRateOptionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_ExchangeRateOptionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_InterestRateOptionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_InterestRateOptionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_IndexAndSecuritiesOptionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_IndexAndSecuritiesOptionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_SecuritiesAndInterestRateFuturesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_SecuritiesAndInterestRateFuturesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherDerivativesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherDerivativesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=san_HedgingDerivativesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialLiabilitiesAxis=san_HedgingDerivativesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=san_LiabilitiesUnderInsuranceContractsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialLiabilitiesAxis=san_LiabilitiesUnderInsuranceContractsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_SwapContractMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_SwapContractMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ExchangeRateOptionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_ExchangeRateOptionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_InterestRateOptionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_InterestRateOptionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_IndexAndSecuritiesOptionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_IndexAndSecuritiesOptionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_InterestRateFuturesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_InterestRateFuturesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_OtherDerivativesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_OtherDerivativesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=san_HedgingDerivativesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<FILENAME>R313.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Other disclosures - Schedule of certain financial assets and liabilities by maturity (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Aug. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">Cash, cash balances at central banks and other deposits on demand</a></td>
<td class="nump">&#8364; 152,281<span></span>
</td>
<td class="nump">&#8364; 96,923<span></span>
</td>
<td class="nump">&#8364; 192,208<span></span>
</td>
<td class="nump">&#8364; 220,342<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">72,331<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">87,705<span></span>
</td>
<td class="nump">81,547<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">1,202,689<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,203,707<span></span>
</td>
<td class="nump">1,191,403<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CertainFinancialAssets', window );">Total certain assets</a></td>
<td class="nump">1,427,301<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,483,620<span></span>
</td>
<td class="nump">1,493,292<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">1,421,184<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,484,322<span></span>
</td>
<td class="nump">1,468,703<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CertainFinancialAssetsLiabilities', window );">Difference (assets less liabilities)</a></td>
<td class="nump">6,117<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(702)<span></span>
</td>
<td class="nump">24,589<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_OnDemandMember', window );">On demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">Cash, cash balances at central banks and other deposits on demand</a></td>
<td class="nump">152,281<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">192,208<span></span>
</td>
<td class="nump">220,342<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">40,174<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">41,652<span></span>
</td>
<td class="nump">40,687<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CertainFinancialAssets', window );">Total certain assets</a></td>
<td class="nump">192,455<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">233,860<span></span>
</td>
<td class="nump">261,029<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">700,717<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">720,659<span></span>
</td>
<td class="nump">711,093<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CertainFinancialAssetsLiabilities', window );">Difference (assets less liabilities)</a></td>
<td class="num">(508,262)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(486,799)<span></span>
</td>
<td class="num">(450,064)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanThreeMonthsMember', window );">Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">Cash, cash balances at central banks and other deposits on demand</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">12,721<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,401<span></span>
</td>
<td class="nump">13,544<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">213,109<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">208,565<span></span>
</td>
<td class="nump">202,066<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CertainFinancialAssets', window );">Total certain assets</a></td>
<td class="nump">225,830<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">221,966<span></span>
</td>
<td class="nump">215,610<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">271,366<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">256,651<span></span>
</td>
<td class="nump">246,898<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CertainFinancialAssetsLiabilities', window );">Difference (assets less liabilities)</a></td>
<td class="num">(45,536)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(34,685)<span></span>
</td>
<td class="num">(31,288)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember', window );">3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">Cash, cash balances at central banks and other deposits on demand</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">8,593<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9,153<span></span>
</td>
<td class="nump">9,234<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">173,400<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">167,974<span></span>
</td>
<td class="nump">171,494<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CertainFinancialAssets', window );">Total certain assets</a></td>
<td class="nump">181,993<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">177,127<span></span>
</td>
<td class="nump">180,728<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">147,951<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">171,362<span></span>
</td>
<td class="nump">182,516<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CertainFinancialAssetsLiabilities', window );">Difference (assets less liabilities)</a></td>
<td class="nump">34,042<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,765<span></span>
</td>
<td class="num">(1,788)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember', window );">1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">Cash, cash balances at central banks and other deposits on demand</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">14,012<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">23,902<span></span>
</td>
<td class="nump">19,372<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">208,743<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">220,871<span></span>
</td>
<td class="nump">232,190<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CertainFinancialAssets', window );">Total certain assets</a></td>
<td class="nump">222,755<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">244,773<span></span>
</td>
<td class="nump">251,562<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">132,783<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">155,620<span></span>
</td>
<td class="nump">161,784<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CertainFinancialAssetsLiabilities', window );">Difference (assets less liabilities)</a></td>
<td class="nump">89,972<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">89,153<span></span>
</td>
<td class="nump">89,778<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">Cash, cash balances at central banks and other deposits on demand</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">8,315<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,905<span></span>
</td>
<td class="nump">14,162<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">163,374<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">176,710<span></span>
</td>
<td class="nump">158,556<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CertainFinancialAssets', window );">Total certain assets</a></td>
<td class="nump">171,689<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">185,615<span></span>
</td>
<td class="nump">172,718<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">72,048<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">89,229<span></span>
</td>
<td class="nump">88,527<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CertainFinancialAssetsLiabilities', window );">Difference (assets less liabilities)</a></td>
<td class="nump">99,641<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">96,386<span></span>
</td>
<td class="nump">84,191<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">Cash, cash balances at central banks and other deposits on demand</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">28,690<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">32,344<span></span>
</td>
<td class="nump">25,235<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">403,889<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">387,935<span></span>
</td>
<td class="nump">386,410<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CertainFinancialAssets', window );">Total certain assets</a></td>
<td class="nump">432,579<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">420,279<span></span>
</td>
<td class="nump">411,645<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">96,319<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">90,801<span></span>
</td>
<td class="nump">77,885<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CertainFinancialAssetsLiabilities', window );">Difference (assets less liabilities)</a></td>
<td class="nump">336,260<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">329,478<span></span>
</td>
<td class="nump">333,760<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">1,072,384<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,126,439<span></span>
</td>
<td class="nump">1,125,308<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | On demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">688,927<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">707,418<span></span>
</td>
<td class="nump">697,339<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">223,636<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">213,220<span></span>
</td>
<td class="nump">210,538<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">96,132<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">121,914<span></span>
</td>
<td class="nump">118,035<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">37,030<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">46,431<span></span>
</td>
<td class="nump">61,332<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">9,216<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">21,510<span></span>
</td>
<td class="nump">22,161<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">17,443<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">15,946<span></span>
</td>
<td class="nump">15,903<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">18,542<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">24,882<span></span>
</td>
<td class="nump">48,782<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks | On demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">857<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">17<span></span>
</td>
<td class="nump">168<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">8,550<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9,063<span></span>
</td>
<td class="nump">20,224<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">4,615<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">11,022<span></span>
</td>
<td class="nump">6,941<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">2,892<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,772<span></span>
</td>
<td class="nump">16,846<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">4,581<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">1,628<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="nump">22<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">74,692<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">90,012<span></span>
</td>
<td class="nump">81,246<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | On demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">6,342<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,948<span></span>
</td>
<td class="nump">6,572<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">34,993<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">27,149<span></span>
</td>
<td class="nump">25,990<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">11,677<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">19,300<span></span>
</td>
<td class="nump">21,390<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">12,197<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">15,655<span></span>
</td>
<td class="nump">13,434<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">1,845<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6,477<span></span>
</td>
<td class="nump">5,963<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">7,638<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,483<span></span>
</td>
<td class="nump">7,897<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customer deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">979,150<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,011,545<span></span>
</td>
<td class="nump">995,280<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customer deposits | On demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">681,728<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">693,453<span></span>
</td>
<td class="nump">690,599<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customer deposits | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">180,093<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">177,008<span></span>
</td>
<td class="nump">164,324<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customer deposits | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">79,840<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">91,592<span></span>
</td>
<td class="nump">89,704<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customer deposits | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">21,941<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">26,004<span></span>
</td>
<td class="nump">31,052<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customer deposits | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">7,371<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">15,033<span></span>
</td>
<td class="nump">11,617<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customer deposits | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">8,177<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,455<span></span>
</td>
<td class="nump">7,984<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">312,704<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">317,967<span></span>
</td>
<td class="nump">303,208<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | On demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">38,875<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">35,570<span></span>
</td>
<td class="nump">28,371<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">48,971<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">47,977<span></span>
</td>
<td class="nump">63,440<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">94,735<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">100,451<span></span>
</td>
<td class="nump">92,554<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">62,275<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">60,128<span></span>
</td>
<td class="nump">57,639<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">67,848<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">73,841<span></span>
</td>
<td class="nump">61,204<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">36,096<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">39,916<span></span>
</td>
<td class="nump">40,187<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities | On demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">11,790<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,241<span></span>
</td>
<td class="nump">13,754<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">8,855<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,861<span></span>
</td>
<td class="nump">7,989<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">2,848<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,471<span></span>
</td>
<td class="nump">1,041<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">1,018<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,738<span></span>
</td>
<td class="nump">7,898<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">557<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,591<span></span>
</td>
<td class="nump">8,727<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">11,028<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,014<span></span>
</td>
<td class="nump">778<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">58,305<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">76,558<span></span>
</td>
<td class="nump">73,565<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">140,014<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">120,949<span></span>
</td>
<td class="nump">103,559<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | On demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">10,677<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">11,072<span></span>
</td>
<td class="nump">13,078<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">8,547<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9,628<span></span>
</td>
<td class="nump">12,281<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">7,631<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,449<span></span>
</td>
<td class="nump">8,433<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">9,312<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">14,041<span></span>
</td>
<td class="nump">14,114<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">12,139<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">22,137<span></span>
</td>
<td class="nump">18,432<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">25,469<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">17,071<span></span>
</td>
<td class="nump">18,608<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">6,619<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,623<span></span>
</td>
<td class="nump">12,764<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">17,474<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">22,705<span></span>
</td>
<td class="nump">11,281<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">21,239<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">27,277<span></span>
</td>
<td class="nump">20,858<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">79,212<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">57,504<span></span>
</td>
<td class="nump">47,275<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember', window );">Loans and advances</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">14,026<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">11,147<span></span>
</td>
<td class="nump">7,982<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">1,062,675<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,082,758<span></span>
</td>
<td class="nump">1,087,844<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember', window );">Loans and advances | On demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">40,174<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">41,652<span></span>
</td>
<td class="nump">40,687<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember', window );">Loans and advances | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">2,044<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,329<span></span>
</td>
<td class="nump">466<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">204,562<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">198,937<span></span>
</td>
<td class="nump">189,785<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember', window );">Loans and advances | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">962<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">704<span></span>
</td>
<td class="nump">801<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">164,088<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">153,933<span></span>
</td>
<td class="nump">157,380<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember', window );">Loans and advances | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">1,873<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,765<span></span>
</td>
<td class="nump">940<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">183,274<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">203,800<span></span>
</td>
<td class="nump">213,582<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember', window );">Loans and advances | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">1,696<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,282<span></span>
</td>
<td class="nump">1,398<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">145,900<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">154,005<span></span>
</td>
<td class="nump">147,275<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember', window );">Loans and advances | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">7,451<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,067<span></span>
</td>
<td class="nump">4,377<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">324,677<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">330,431<span></span>
</td>
<td class="nump">339,135<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember', window );">Central banks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">15,986<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">16,179<span></span>
</td>
<td class="nump">20,082<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember', window );">Central banks | On demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember', window );">Central banks | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">14,782<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">15,067<span></span>
</td>
<td class="nump">18,730<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember', window );">Central banks | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember', window );">Central banks | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember', window );">Central banks | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">1,134<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember', window );">Central banks | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">70<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,112<span></span>
</td>
<td class="nump">1,352<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">1,120<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">363<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">61,513<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">55,537<span></span>
</td>
<td class="nump">57,917<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions | On demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">4,577<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6,208<span></span>
</td>
<td class="nump">6,783<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">36<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">26,620<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">23,550<span></span>
</td>
<td class="nump">26,671<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">111<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">10,564<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,166<span></span>
</td>
<td class="nump">6,313<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">98<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">5,594<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,760<span></span>
</td>
<td class="nump">7,151<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">1,198<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,843<span></span>
</td>
<td class="nump">1,521<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">1,001<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">223<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">12,960<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">14,010<span></span>
</td>
<td class="nump">9,478<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">12,906<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">10,784<span></span>
</td>
<td class="nump">7,669<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">985,176<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,011,042<span></span>
</td>
<td class="nump">1,009,845<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | On demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">35,597<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">35,444<span></span>
</td>
<td class="nump">33,904<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">2,044<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,293<span></span>
</td>
<td class="nump">466<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">163,160<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">160,320<span></span>
</td>
<td class="nump">144,384<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">851<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">704<span></span>
</td>
<td class="nump">801<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">153,524<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">149,767<span></span>
</td>
<td class="nump">151,067<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">1,870<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,667<span></span>
</td>
<td class="nump">940<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">177,680<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">198,040<span></span>
</td>
<td class="nump">206,431<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">1,691<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,276<span></span>
</td>
<td class="nump">1,085<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">143,568<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">152,162<span></span>
</td>
<td class="nump">145,754<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">6,450<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,844<span></span>
</td>
<td class="nump">4,377<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">&#8364; 311,647<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 315,309<span></span>
</td>
<td class="nump">&#8364; 328,305<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash on hand and demand deposits, along with short-term, highly liquid investments that are readily convertible to known amounts of cash and that are subject to an insignificant risk of changes in value. [Refer: Cash; Cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_a&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 169<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_169&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 169<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_169&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at amortised cost. The amortised cost is the amount at which financial assets are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount, and adjusted for any impairment. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets that are measured at fair value through other comprehensive income. A financial asset shall be measured at fair value through other comprehensive income if both of the following conditions are met: (a) the financial asset is held within a business model whose objective is achieved by both collecting contractual cash flows and selling financial assets and (b) the contractual terms of the financial asset give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. [Refer: At fair value [member]; Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at amortised cost. The amortised cost is the amount at which financial liabilities are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount. [Refer: Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CertainFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total of certain assets from the balance sheet including Cash, cash balances at central banks and other deposits on demand; Financial assets available-for-sale; loans and receivables and investments held-to-maturity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CertainFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CertainFinancialAssetsLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the amount of certain financial assets less financial liabilities at amortised cost.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CertainFinancialAssetsLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_OnDemandMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_OnDemandMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanThreeMonthsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember</td>
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<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember</td>
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<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<tr>
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<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Other disclosures - Schedule of undiscounted contractual maturities of financial liabilities at amortized cost by maturity (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">&#8364; 1,411,361<span></span>
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<td class="nump">&#8364; 1,465,713<span></span>
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<td class="nump">&#8364; 1,439,426<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_OnDemandMember', window );">On demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">699,498<span></span>
</td>
<td class="nump">712,248<span></span>
</td>
<td class="nump">712,261<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanThreeMonthsMember', window );">Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">268,084<span></span>
</td>
<td class="nump">251,730<span></span>
</td>
<td class="nump">240,337<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember', window );">3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">146,183<span></span>
</td>
<td class="nump">167,875<span></span>
</td>
<td class="nump">173,287<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember', window );">1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">131,205<span></span>
</td>
<td class="nump">154,134<span></span>
</td>
<td class="nump">150,581<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">71,832<span></span>
</td>
<td class="nump">88,099<span></span>
</td>
<td class="nump">86,432<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">94,559<span></span>
</td>
<td class="nump">91,627<span></span>
</td>
<td class="nump">76,528<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">1,068,312<span></span>
</td>
<td class="nump">1,102,126<span></span>
</td>
<td class="nump">1,099,444<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | On demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">687,708<span></span>
</td>
<td class="nump">699,007<span></span>
</td>
<td class="nump">698,595<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">221,487<span></span>
</td>
<td class="nump">207,554<span></span>
</td>
<td class="nump">204,001<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">95,553<span></span>
</td>
<td class="nump">117,431<span></span>
</td>
<td class="nump">109,311<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">36,937<span></span>
</td>
<td class="nump">43,090<span></span>
</td>
<td class="nump">51,191<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">9,204<span></span>
</td>
<td class="nump">19,248<span></span>
</td>
<td class="nump">20,761<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">17,423<span></span>
</td>
<td class="nump">15,796<span></span>
</td>
<td class="nump">15,585<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">18,454<span></span>
</td>
<td class="nump">24,904<span></span>
</td>
<td class="nump">48,817<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks | On demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">857<span></span>
</td>
<td class="nump">17<span></span>
</td>
<td class="nump">168<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">8,497<span></span>
</td>
<td class="nump">9,082<span></span>
</td>
<td class="nump">20,334<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">4,581<span></span>
</td>
<td class="nump">11,026<span></span>
</td>
<td class="nump">6,853<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">2,892<span></span>
</td>
<td class="nump">4,772<span></span>
</td>
<td class="nump">16,846<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">4,581<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">1,627<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td class="nump">35<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">74,642<span></span>
</td>
<td class="nump">89,680<span></span>
</td>
<td class="nump">80,548<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | On demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">6,298<span></span>
</td>
<td class="nump">13,634<span></span>
</td>
<td class="nump">6,884<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">34,993<span></span>
</td>
<td class="nump">27,170<span></span>
</td>
<td class="nump">25,642<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">11,677<span></span>
</td>
<td class="nump">19,258<span></span>
</td>
<td class="nump">21,334<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">12,197<span></span>
</td>
<td class="nump">15,674<span></span>
</td>
<td class="nump">13,079<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">1,841<span></span>
</td>
<td class="nump">6,482<span></span>
</td>
<td class="nump">5,924<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">7,636<span></span>
</td>
<td class="nump">7,462<span></span>
</td>
<td class="nump">7,685<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">975,216<span></span>
</td>
<td class="nump">987,542<span></span>
</td>
<td class="nump">970,079<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | On demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">680,553<span></span>
</td>
<td class="nump">685,356<span></span>
</td>
<td class="nump">691,543<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">177,997<span></span>
</td>
<td class="nump">171,302<span></span>
</td>
<td class="nump">158,025<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">79,295<span></span>
</td>
<td class="nump">87,147<span></span>
</td>
<td class="nump">81,124<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">21,848<span></span>
</td>
<td class="nump">22,644<span></span>
</td>
<td class="nump">21,266<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">7,363<span></span>
</td>
<td class="nump">12,766<span></span>
</td>
<td class="nump">10,256<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">8,160<span></span>
</td>
<td class="nump">8,327<span></span>
</td>
<td class="nump">7,865<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">306,952<span></span>
</td>
<td class="nump">323,671<span></span>
</td>
<td class="nump">299,795<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | On demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">37,742<span></span>
</td>
<td class="nump">36,315<span></span>
</td>
<td class="nump">28,258<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">47,782<span></span>
</td>
<td class="nump">48,973<span></span>
</td>
<td class="nump">62,935<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">93,250<span></span>
</td>
<td class="nump">102,306<span></span>
</td>
<td class="nump">91,492<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">62,071<span></span>
</td>
<td class="nump">61,260<span></span>
</td>
<td class="nump">56,944<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">66,107<span></span>
</td>
<td class="nump">74,817<span></span>
</td>
<td class="nump">60,166<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">36,097<span></span>
</td>
<td class="nump">39,916<span></span>
</td>
<td class="nump">40,187<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities | On demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">11,790<span></span>
</td>
<td class="nump">13,241<span></span>
</td>
<td class="nump">13,666<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">8,855<span></span>
</td>
<td class="nump">7,861<span></span>
</td>
<td class="nump">8,078<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">2,848<span></span>
</td>
<td class="nump">1,471<span></span>
</td>
<td class="nump">1,041<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">1,018<span></span>
</td>
<td class="nump">8,738<span></span>
</td>
<td class="nump">7,898<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">557<span></span>
</td>
<td class="nump">7,591<span></span>
</td>
<td class="nump">8,727<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost', window );">Undiscounted financial liabilities at amortised cost</a></td>
<td class="nump">&#8364; 11,029<span></span>
</td>
<td class="nump">&#8364; 1,014<span></span>
</td>
<td class="nump">&#8364; 777<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialInstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_UndiscountedFinancialLiabilitiesAtAmortisedCost">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of undiscounted financial liabilities at amortised cost.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_UndiscountedFinancialLiabilitiesAtAmortisedCost</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_OnDemandMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_OnDemandMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanThreeMonthsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_NotLaterThanThreeMonthsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>397
<FILENAME>R315.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Other disclosures - Schedule of remainder of financial assets and liabilities by maturity (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">&#8364; 252,318<span></span>
</td>
<td class="nump">&#8364; 230,253<span></span>
</td>
<td class="nump">&#8364; 176,921<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">8,046<span></span>
</td>
<td class="nump">7,915<span></span>
</td>
<td class="nump">9,773<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">7,761<span></span>
</td>
<td class="nump">6,130<span></span>
</td>
<td class="nump">5,910<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">2,281<span></span>
</td>
<td class="nump">2,193<span></span>
</td>
<td class="nump">1,761<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging', window );">Hedging derivatives</a></td>
<td class="nump">3,931<span></span>
</td>
<td class="nump">5,672<span></span>
</td>
<td class="nump">5,297<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets', window );">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</a></td>
<td class="nump">50<span></span>
</td>
<td class="num">(704)<span></span>
</td>
<td class="num">(788)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalFinancialAssetsRemaining', window );">TOTAL FINANCIAL ASSETS</a></td>
<td class="nump">274,387<span></span>
</td>
<td class="nump">251,459<span></span>
</td>
<td class="nump">198,874<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">171,546<span></span>
</td>
<td class="nump">152,151<span></span>
</td>
<td class="nump">122,270<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">42,148<span></span>
</td>
<td class="nump">36,360<span></span>
</td>
<td class="nump">40,367<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging', window );">Hedging derivatives</a></td>
<td class="nump">4,248<span></span>
</td>
<td class="nump">4,752<span></span>
</td>
<td class="nump">7,656<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities', window );">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</a></td>
<td class="nump">49<span></span>
</td>
<td class="num">(9)<span></span>
</td>
<td class="nump">55<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalFinancialLiabilitiesRemaining', window );">TOTAL FINANCIAL LIABILITIES</a></td>
<td class="nump">217,991<span></span>
</td>
<td class="nump">193,254<span></span>
</td>
<td class="nump">170,348<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanThreeMonthsMember', window );">Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">85,732<span></span>
</td>
<td class="nump">64,300<span></span>
</td>
<td class="nump">36,120<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">611<span></span>
</td>
<td class="nump">152<span></span>
</td>
<td class="nump">1,657<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">1,091<span></span>
</td>
<td class="nump">794<span></span>
</td>
<td class="nump">591<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging', window );">Hedging derivatives</a></td>
<td class="nump">1,066<span></span>
</td>
<td class="nump">1,786<span></span>
</td>
<td class="nump">1,188<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets', window );">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</a></td>
<td class="num">(22)<span></span>
</td>
<td class="num">(61)<span></span>
</td>
<td class="num">(237)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalFinancialAssetsRemaining', window );">TOTAL FINANCIAL ASSETS</a></td>
<td class="nump">88,478<span></span>
</td>
<td class="nump">66,971<span></span>
</td>
<td class="nump">39,319<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">131,052<span></span>
</td>
<td class="nump">100,071<span></span>
</td>
<td class="nump">73,257<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">19,717<span></span>
</td>
<td class="nump">16,036<span></span>
</td>
<td class="nump">23,190<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging', window );">Hedging derivatives</a></td>
<td class="nump">447<span></span>
</td>
<td class="nump">832<span></span>
</td>
<td class="nump">1,525<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities', window );">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</a></td>
<td class="num">(16)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalFinancialLiabilitiesRemaining', window );">TOTAL FINANCIAL LIABILITIES</a></td>
<td class="nump">151,200<span></span>
</td>
<td class="nump">116,939<span></span>
</td>
<td class="nump">97,971<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember', window );">3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">38,979<span></span>
</td>
<td class="nump">56,571<span></span>
</td>
<td class="nump">49,668<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">893<span></span>
</td>
<td class="nump">750<span></span>
</td>
<td class="nump">557<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">174<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="nump">153<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging', window );">Hedging derivatives</a></td>
<td class="nump">293<span></span>
</td>
<td class="nump">1,423<span></span>
</td>
<td class="nump">412<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets', window );">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</a></td>
<td class="nump">63<span></span>
</td>
<td class="nump">18<span></span>
</td>
<td class="num">(225)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalFinancialAssetsRemaining', window );">TOTAL FINANCIAL ASSETS</a></td>
<td class="nump">40,402<span></span>
</td>
<td class="nump">58,770<span></span>
</td>
<td class="nump">50,565<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">5,783<span></span>
</td>
<td class="nump">16,537<span></span>
</td>
<td class="nump">12,127<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">4,015<span></span>
</td>
<td class="nump">6,000<span></span>
</td>
<td class="nump">7,583<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging', window );">Hedging derivatives</a></td>
<td class="nump">681<span></span>
</td>
<td class="nump">668<span></span>
</td>
<td class="nump">2,064<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities', window );">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</a></td>
<td class="nump">25<span></span>
</td>
<td class="num">(5)<span></span>
</td>
<td class="num">(4)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalFinancialLiabilitiesRemaining', window );">TOTAL FINANCIAL LIABILITIES</a></td>
<td class="nump">10,504<span></span>
</td>
<td class="nump">23,200<span></span>
</td>
<td class="nump">21,770<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember', window );">1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">35,639<span></span>
</td>
<td class="nump">33,945<span></span>
</td>
<td class="nump">30,602<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">1,595<span></span>
</td>
<td class="nump">2,421<span></span>
</td>
<td class="nump">2,529<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">407<span></span>
</td>
<td class="nump">29<span></span>
</td>
<td class="nump">71<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging', window );">Hedging derivatives</a></td>
<td class="nump">609<span></span>
</td>
<td class="nump">957<span></span>
</td>
<td class="nump">1,535<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets', window );">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</a></td>
<td class="num">(17)<span></span>
</td>
<td class="num">(569)<span></span>
</td>
<td class="nump">156<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalFinancialAssetsRemaining', window );">TOTAL FINANCIAL ASSETS</a></td>
<td class="nump">38,233<span></span>
</td>
<td class="nump">36,783<span></span>
</td>
<td class="nump">34,893<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">14,084<span></span>
</td>
<td class="nump">14,244<span></span>
</td>
<td class="nump">19,180<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">6,934<span></span>
</td>
<td class="nump">6,422<span></span>
</td>
<td class="nump">4,863<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging', window );">Hedging derivatives</a></td>
<td class="nump">735<span></span>
</td>
<td class="nump">826<span></span>
</td>
<td class="nump">1,577<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities', window );">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">13<span></span>
</td>
<td class="nump">36<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalFinancialLiabilitiesRemaining', window );">TOTAL FINANCIAL LIABILITIES</a></td>
<td class="nump">21,757<span></span>
</td>
<td class="nump">21,505<span></span>
</td>
<td class="nump">25,656<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">22,880<span></span>
</td>
<td class="nump">24,504<span></span>
</td>
<td class="nump">17,912<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">819<span></span>
</td>
<td class="nump">1,075<span></span>
</td>
<td class="nump">1,350<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">102<span></span>
</td>
<td class="nump">80<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging', window );">Hedging derivatives</a></td>
<td class="nump">440<span></span>
</td>
<td class="nump">800<span></span>
</td>
<td class="nump">937<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets', window );">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</a></td>
<td class="nump">72<span></span>
</td>
<td class="num">(50)<span></span>
</td>
<td class="num">(402)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalFinancialAssetsRemaining', window );">TOTAL FINANCIAL ASSETS</a></td>
<td class="nump">24,211<span></span>
</td>
<td class="nump">26,431<span></span>
</td>
<td class="nump">19,877<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">10,642<span></span>
</td>
<td class="nump">12,530<span></span>
</td>
<td class="nump">10,591<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">3,849<span></span>
</td>
<td class="nump">1,918<span></span>
</td>
<td class="nump">1,359<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging', window );">Hedging derivatives</a></td>
<td class="nump">917<span></span>
</td>
<td class="nump">814<span></span>
</td>
<td class="nump">878<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities', window );">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</a></td>
<td class="nump">36<span></span>
</td>
<td class="nump">47<span></span>
</td>
<td class="num">(5)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalFinancialLiabilitiesRemaining', window );">TOTAL FINANCIAL LIABILITIES</a></td>
<td class="nump">15,444<span></span>
</td>
<td class="nump">15,309<span></span>
</td>
<td class="nump">12,823<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">69,088<span></span>
</td>
<td class="nump">50,933<span></span>
</td>
<td class="nump">42,619<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">4,128<span></span>
</td>
<td class="nump">3,517<span></span>
</td>
<td class="nump">3,680<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">6,089<span></span>
</td>
<td class="nump">5,197<span></span>
</td>
<td class="nump">5,015<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">2,281<span></span>
</td>
<td class="nump">2,193<span></span>
</td>
<td class="nump">1,761<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging', window );">Hedging derivatives</a></td>
<td class="nump">1,523<span></span>
</td>
<td class="nump">706<span></span>
</td>
<td class="nump">1,225<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets', window );">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</a></td>
<td class="num">(46)<span></span>
</td>
<td class="num">(42)<span></span>
</td>
<td class="num">(80)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalFinancialAssetsRemaining', window );">TOTAL FINANCIAL ASSETS</a></td>
<td class="nump">83,063<span></span>
</td>
<td class="nump">62,504<span></span>
</td>
<td class="nump">54,220<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">9,985<span></span>
</td>
<td class="nump">8,769<span></span>
</td>
<td class="nump">7,115<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">7,633<span></span>
</td>
<td class="nump">5,984<span></span>
</td>
<td class="nump">3,372<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging', window );">Hedging derivatives</a></td>
<td class="nump">1,468<span></span>
</td>
<td class="nump">1,612<span></span>
</td>
<td class="nump">1,612<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities', window );">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(64)<span></span>
</td>
<td class="nump">29<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalFinancialLiabilitiesRemaining', window );">TOTAL FINANCIAL LIABILITIES</a></td>
<td class="nump">19,086<span></span>
</td>
<td class="nump">16,301<span></span>
</td>
<td class="nump">12,128<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember', window );">Derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">51,968<span></span>
</td>
<td class="nump">57,753<span></span>
</td>
<td class="nump">50,589<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember', window );">Derivatives | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">18,105<span></span>
</td>
<td class="nump">14,364<span></span>
</td>
<td class="nump">8,147<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember', window );">Derivatives | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">4,339<span></span>
</td>
<td class="nump">13,296<span></span>
</td>
<td class="nump">9,486<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember', window );">Derivatives | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">11,403<span></span>
</td>
<td class="nump">11,946<span></span>
</td>
<td class="nump">17,990<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember', window );">Derivatives | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">10,051<span></span>
</td>
<td class="nump">12,335<span></span>
</td>
<td class="nump">10,060<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember', window );">Derivatives | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">8,070<span></span>
</td>
<td class="nump">5,812<span></span>
</td>
<td class="nump">4,906<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_ShortPositionsMember', window );">Short positions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">44,015<span></span>
</td>
<td class="nump">35,830<span></span>
</td>
<td class="nump">26,174<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_ShortPositionsMember', window );">Short positions | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">39,712<span></span>
</td>
<td class="nump">28,548<span></span>
</td>
<td class="nump">21,381<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_ShortPositionsMember', window );">Short positions | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">661<span></span>
</td>
<td class="nump">2,931<span></span>
</td>
<td class="nump">1,288<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_ShortPositionsMember', window );">Short positions | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">1,271<span></span>
</td>
<td class="nump">1,199<span></span>
</td>
<td class="nump">765<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_ShortPositionsMember', window );">Short positions | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">478<span></span>
</td>
<td class="nump">195<span></span>
</td>
<td class="nump">531<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_ShortPositionsMember', window );">Short positions | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">1,893<span></span>
</td>
<td class="nump">2,957<span></span>
</td>
<td class="nump">2,209<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">75,563<span></span>
</td>
<td class="nump">58,568<span></span>
</td>
<td class="nump">45,507<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">30,440<span></span>
</td>
<td class="nump">28,806<span></span>
</td>
<td class="nump">34,996<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">73,235<span></span>
</td>
<td class="nump">57,159<span></span>
</td>
<td class="nump">43,729<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">18,785<span></span>
</td>
<td class="nump">15,193<span></span>
</td>
<td class="nump">22,688<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">783<span></span>
</td>
<td class="nump">310<span></span>
</td>
<td class="nump">1,353<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">3,177<span></span>
</td>
<td class="nump">4,860<span></span>
</td>
<td class="nump">6,459<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">1,410<span></span>
</td>
<td class="nump">1,099<span></span>
</td>
<td class="nump">425<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">4,452<span></span>
</td>
<td class="nump">4,037<span></span>
</td>
<td class="nump">3,223<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">113<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">1,105<span></span>
</td>
<td class="nump">490<span></span>
</td>
<td class="nump">338<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">22<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">2,921<span></span>
</td>
<td class="nump">4,226<span></span>
</td>
<td class="nump">2,288<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">12,385<span></span>
</td>
<td class="nump">13,300<span></span>
</td>
<td class="nump">7,808<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">3,086<span></span>
</td>
<td class="nump">1,774<span></span>
</td>
<td class="nump">1,209<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">12,385<span></span>
</td>
<td class="nump">13,300<span></span>
</td>
<td class="nump">7,808<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">3,086<span></span>
</td>
<td class="nump">1,774<span></span>
</td>
<td class="nump">1,158<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">51<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCentralBanksMember', window );">Central banks | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">27,058<span></span>
</td>
<td class="nump">26,284<span></span>
</td>
<td class="nump">17,862<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">1,424<span></span>
</td>
<td class="nump">1,625<span></span>
</td>
<td class="nump">1,735<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">24,759<span></span>
</td>
<td class="nump">24,875<span></span>
</td>
<td class="nump">17,228<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">914<span></span>
</td>
<td class="nump">1,035<span></span>
</td>
<td class="nump">1,161<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">770<span></span>
</td>
<td class="nump">310<span></span>
</td>
<td class="nump">209<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">23<span></span>
</td>
<td class="nump">133<span></span>
</td>
<td class="nump">57<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">1,410<span></span>
</td>
<td class="nump">1,099<span></span>
</td>
<td class="nump">425<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">115<span></span>
</td>
<td class="nump">15<span></span>
</td>
<td class="nump">84<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">113<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">31<span></span>
</td>
<td class="nump">49<span></span>
</td>
<td class="nump">61<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember', window );">Credit institutions | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">341<span></span>
</td>
<td class="nump">393<span></span>
</td>
<td class="nump">372<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">36,120<span></span>
</td>
<td class="nump">18,984<span></span>
</td>
<td class="nump">19,837<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">25,930<span></span>
</td>
<td class="nump">25,407<span></span>
</td>
<td class="nump">32,052<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">36,091<span></span>
</td>
<td class="nump">18,984<span></span>
</td>
<td class="nump">18,693<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">14,785<span></span>
</td>
<td class="nump">12,384<span></span>
</td>
<td class="nump">20,369<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">13<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,144<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">3,154<span></span>
</td>
<td class="nump">4,727<span></span>
</td>
<td class="nump">6,351<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">4,337<span></span>
</td>
<td class="nump">4,022<span></span>
</td>
<td class="nump">3,139<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">1,074<span></span>
</td>
<td class="nump">441<span></span>
</td>
<td class="nump">277<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">16<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">2,580<span></span>
</td>
<td class="nump">3,833<span></span>
</td>
<td class="nump">1,916<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">11,686<span></span>
</td>
<td class="nump">7,554<span></span>
</td>
<td class="nump">5,371<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">910<span></span>
</td>
<td class="nump">843<span></span>
</td>
<td class="nump">502<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">838<span></span>
</td>
<td class="nump">1,140<span></span>
</td>
<td class="nump">1,124<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">2,482<span></span>
</td>
<td class="nump">2,385<span></span>
</td>
<td class="nump">1,640<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">2,744<span></span>
</td>
<td class="nump">1,428<span></span>
</td>
<td class="nump">1,021<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember', window );">Marketable debt securities | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">4,712<span></span>
</td>
<td class="nump">1,758<span></span>
</td>
<td class="nump">1,084<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">22<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">22<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember', window );">Other financial liabilities | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>FINANCIAL LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember', window );">Derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">58,355<span></span>
</td>
<td class="nump">64,100<span></span>
</td>
<td class="nump">56,328<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember', window );">Derivatives | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">15,579<span></span>
</td>
<td class="nump">14,231<span></span>
</td>
<td class="nump">8,777<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember', window );">Derivatives | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">4,967<span></span>
</td>
<td class="nump">14,504<span></span>
</td>
<td class="nump">10,551<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember', window );">Derivatives | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">13,348<span></span>
</td>
<td class="nump">16,676<span></span>
</td>
<td class="nump">17,775<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember', window );">Derivatives | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">10,446<span></span>
</td>
<td class="nump">12,384<span></span>
</td>
<td class="nump">9,532<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember', window );">Derivatives | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">14,015<span></span>
</td>
<td class="nump">6,305<span></span>
</td>
<td class="nump">9,693<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember', window );">Equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">22,030<span></span>
</td>
<td class="nump">16,636<span></span>
</td>
<td class="nump">15,057<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">5,815<span></span>
</td>
<td class="nump">4,641<span></span>
</td>
<td class="nump">4,068<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">2,281<span></span>
</td>
<td class="nump">2,193<span></span>
</td>
<td class="nump">1,761<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember', window );">Equity instruments | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember', window );">Equity instruments | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember', window );">Equity instruments | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember', window );">Equity instruments | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember', window );">Equity instruments | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">22,030<span></span>
</td>
<td class="nump">16,636<span></span>
</td>
<td class="nump">15,057<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">5,815<span></span>
</td>
<td class="nump">4,641<span></span>
</td>
<td class="nump">4,068<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">2,281<span></span>
</td>
<td class="nump">2,193<span></span>
</td>
<td class="nump">1,761<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">98,568<span></span>
</td>
<td class="nump">82,646<span></span>
</td>
<td class="nump">62,124<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">2,894<span></span>
</td>
<td class="nump">2,897<span></span>
</td>
<td class="nump">3,095<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">245<span></span>
</td>
<td class="nump">447<span></span>
</td>
<td class="nump">860<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">8,666<span></span>
</td>
<td class="nump">6,930<span></span>
</td>
<td class="nump">7,598<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">333<span></span>
</td>
<td class="nump">95<span></span>
</td>
<td class="nump">252<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">34<span></span>
</td>
<td class="nump">39<span></span>
</td>
<td class="nump">41<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">26,749<span></span>
</td>
<td class="nump">21,305<span></span>
</td>
<td class="nump">18,315<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">480<span></span>
</td>
<td class="nump">342<span></span>
</td>
<td class="nump">77<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">9<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">20,034<span></span>
</td>
<td class="nump">15,319<span></span>
</td>
<td class="nump">10,274<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">1,032<span></span>
</td>
<td class="nump">1,254<span></span>
</td>
<td class="nump">1,269<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">93<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="nump">57<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">11,618<span></span>
</td>
<td class="nump">11,944<span></span>
</td>
<td class="nump">8,137<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">394<span></span>
</td>
<td class="nump">680<span></span>
</td>
<td class="nump">690<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">10<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">31,501<span></span>
</td>
<td class="nump">27,148<span></span>
</td>
<td class="nump">17,800<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">655<span></span>
</td>
<td class="nump">526<span></span>
</td>
<td class="nump">807<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">109<span></span>
</td>
<td class="nump">393<span></span>
</td>
<td class="nump">759<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember', window );">Loans and advances</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">73,365<span></span>
</td>
<td class="nump">66,871<span></span>
</td>
<td class="nump">43,412<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">5,152<span></span>
</td>
<td class="nump">5,018<span></span>
</td>
<td class="nump">6,678<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">1,701<span></span>
</td>
<td class="nump">1,042<span></span>
</td>
<td class="nump">982<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember', window );">Loans and advances | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">61,487<span></span>
</td>
<td class="nump">43,139<span></span>
</td>
<td class="nump">19,745<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">278<span></span>
</td>
<td class="nump">57<span></span>
</td>
<td class="nump">1,405<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">1,057<span></span>
</td>
<td class="nump">755<span></span>
</td>
<td class="nump">550<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember', window );">Loans and advances | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">7,263<span></span>
</td>
<td class="nump">20,762<span></span>
</td>
<td class="nump">20,802<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">413<span></span>
</td>
<td class="nump">408<span></span>
</td>
<td class="nump">480<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">165<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="nump">153<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember', window );">Loans and advances | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">2,257<span></span>
</td>
<td class="nump">1,950<span></span>
</td>
<td class="nump">2,553<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">563<span></span>
</td>
<td class="nump">1,167<span></span>
</td>
<td class="nump">1,260<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">314<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember', window );">Loans and advances | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">816<span></span>
</td>
<td class="nump">176<span></span>
</td>
<td class="nump">243<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">425<span></span>
</td>
<td class="nump">395<span></span>
</td>
<td class="nump">660<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">92<span></span>
</td>
<td class="nump">77<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember', window );">Loans and advances | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">1,542<span></span>
</td>
<td class="nump">844<span></span>
</td>
<td class="nump">69<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">3,473<span></span>
</td>
<td class="nump">2,991<span></span>
</td>
<td class="nump">2,873<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">165<span></span>
</td>
<td class="nump">163<span></span>
</td>
<td class="nump">188<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember', window );">Central banks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">14,632<span></span>
</td>
<td class="nump">12,966<span></span>
</td>
<td class="nump">17,717<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember', window );">Central banks | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">13,143<span></span>
</td>
<td class="nump">1,241<span></span>
</td>
<td class="nump">1,146<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember', window );">Central banks | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">1,181<span></span>
</td>
<td class="nump">11,725<span></span>
</td>
<td class="nump">16,571<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember', window );">Central banks | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">308<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember', window );">Central banks | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCentralBanksMember', window );">Central banks | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">25,967<span></span>
</td>
<td class="nump">27,314<span></span>
</td>
<td class="nump">14,061<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">413<span></span>
</td>
<td class="nump">408<span></span>
</td>
<td class="nump">459<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">22,532<span></span>
</td>
<td class="nump">21,840<span></span>
</td>
<td class="nump">10,861<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">20<span></span>
</td>
<td class="nump">16<span></span>
</td>
<td class="nump">26<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">2,114<span></span>
</td>
<td class="nump">4,088<span></span>
</td>
<td class="nump">2,076<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">22<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">1,104<span></span>
</td>
<td class="nump">1,287<span></span>
</td>
<td class="nump">1,079<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">9<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">213<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">45<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">30<span></span>
</td>
<td class="nump">34<span></span>
</td>
<td class="nump">15<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember', window );">Credit institutions | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">99<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">353<span></span>
</td>
<td class="nump">353<span></span>
</td>
<td class="nump">393<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">32,766<span></span>
</td>
<td class="nump">26,591<span></span>
</td>
<td class="nump">11,634<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">4,739<span></span>
</td>
<td class="nump">4,610<span></span>
</td>
<td class="nump">6,219<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">1,701<span></span>
</td>
<td class="nump">1,042<span></span>
</td>
<td class="nump">982<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | Within&#160;3 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">25,812<span></span>
</td>
<td class="nump">20,058<span></span>
</td>
<td class="nump">7,738<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">258<span></span>
</td>
<td class="nump">41<span></span>
</td>
<td class="nump">1,379<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">1,057<span></span>
</td>
<td class="nump">755<span></span>
</td>
<td class="nump">550<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">3,968<span></span>
</td>
<td class="nump">4,949<span></span>
</td>
<td class="nump">2,155<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">412<span></span>
</td>
<td class="nump">408<span></span>
</td>
<td class="nump">458<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">165<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="nump">153<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | 1&#160;to&#160;3 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">845<span></span>
</td>
<td class="nump">663<span></span>
</td>
<td class="nump">1,474<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">553<span></span>
</td>
<td class="nump">1,162<span></span>
</td>
<td class="nump">1,257<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">314<span></span>
</td>
<td class="nump">26<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">603<span></span>
</td>
<td class="nump">176<span></span>
</td>
<td class="nump">198<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">396<span></span>
</td>
<td class="nump">361<span></span>
</td>
<td class="nump">645<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">92<span></span>
</td>
<td class="nump">77<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | More&#160;than&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>FINANCIAL ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">1,538<span></span>
</td>
<td class="nump">745<span></span>
</td>
<td class="nump">69<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">3,120<span></span>
</td>
<td class="nump">2,638<span></span>
</td>
<td class="nump">2,480<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">&#8364; 165<span></span>
</td>
<td class="nump">&#8364; 163<span></span>
</td>
<td class="nump">&#8364; 188<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The accumulated amount of fair value hedge adjustment on a hedged item that is included in the carrying amount of the hedged item, recognised in the statement of financial position as an asset. [Refer: Hedged items [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 24B<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24B_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 61<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_61_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 61<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_61_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The accumulated amount of fair value hedge adjustment on a hedged item that is included in the carrying amount of the hedged item, recognised in the statement of financial position as a liability. [Refer: Hedged items [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 24B<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24B_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 61<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_61_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 61<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_61_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of derivative financial assets held for hedging. [Refer: Derivative financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DerivativeFinancialAssetsHeldForHedging</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of derivative financial liabilities held for hedging. [Refer: Derivative financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of investments in equity instruments that the entity has designated at fair value through other comprehensive income. [Refer: At fair value [member]; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 11A<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_11A_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss classified as held for trading. A financial asset is classified as held for trading if: (a) it is acquired principally for the purpose of selling it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: At fair value [member]; Financial assets at fair value through profit or loss, mandatorily measured at fair value]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: At fair value [member]; Financial assets at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets mandatorily measured at fair value through profit or loss in accordance with IFRS 9. [Refer: Financial assets at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at fair value through profit or loss that meet the definition of held for trading. A financial liability is classified as held for trading if: (a) it is acquired or incurred principally for the purpose of selling or repurchasing it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: Financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: At fair value [member]; Financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TotalFinancialAssetsRemaining">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total remaining financial assets including financial assets held for trading, financial assets designated at fair value through profit or loss, financial assets available for sale equity instruments, hedging derivatives and changes in the fair value of hedged items in portfolio hedges of interest rate risk.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TotalFinancialAssetsRemaining</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TotalFinancialLiabilitiesRemaining">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of remaining total financial liabilities including financial liabilities held for trading, financial liabilities designated at fair value through profit or loss, hedging derivatives and changes in the fair value of hedged items in portfolio hedges of interest rate risk.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TotalFinancialLiabilitiesRemaining</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanThreeMonthsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_NotLaterThanThreeMonthsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
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<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember</td>
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<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_ShortPositionsMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Other disclosures - Schedule of memorandum items by maturity (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
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<tr class="rh">
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="nump">&#8364; 486,801<span></span>
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<td class="nump">&#8364; 454,255<span></span>
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<td class="nump">&#8364; 408,297<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_LoanCommitmentsMember', window );">Loan commitments granted</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">321,234<span></span>
</td>
<td class="nump">302,861<span></span>
</td>
<td class="nump">279,589<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_FinancialGuaranteeContractsMember', window );">Financial guarantees granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">17,449<span></span>
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<td class="nump">16,901<span></span>
</td>
<td class="nump">15,435<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherCommitmentsMember', window );">Other commitments granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">148,118<span></span>
</td>
<td class="nump">134,493<span></span>
</td>
<td class="nump">113,273<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanThreeMonthsMember', window );">Within&#160;3 months | MEMORANDUM ITEMS</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">256,966<span></span>
</td>
<td class="nump">230,359<span></span>
</td>
<td class="nump">214,099<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanThreeMonthsMember', window );">Within&#160;3 months | Loan commitments granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">146,340<span></span>
</td>
<td class="nump">133,084<span></span>
</td>
<td class="nump">125,083<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanThreeMonthsMember', window );">Within&#160;3 months | Financial guarantees granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">8,348<span></span>
</td>
<td class="nump">5,103<span></span>
</td>
<td class="nump">7,870<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanThreeMonthsMember', window );">Within&#160;3 months | Other commitments granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">102,278<span></span>
</td>
<td class="nump">92,172<span></span>
</td>
<td class="nump">81,146<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember', window );">3 to 12 months | MEMORANDUM ITEMS</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">58,431<span></span>
</td>
<td class="nump">63,231<span></span>
</td>
<td class="nump">53,840<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember', window );">3 to 12 months | Loan commitments granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">31,411<span></span>
</td>
<td class="nump">35,747<span></span>
</td>
<td class="nump">31,658<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember', window );">3 to 12 months | Financial guarantees granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">6,018<span></span>
</td>
<td class="nump">6,803<span></span>
</td>
<td class="nump">4,734<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember', window );">3 to 12 months | Other commitments granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">21,002<span></span>
</td>
<td class="nump">20,681<span></span>
</td>
<td class="nump">17,448<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember', window );">1&#160;to&#160;3 years | MEMORANDUM ITEMS</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">59,015<span></span>
</td>
<td class="nump">74,045<span></span>
</td>
<td class="nump">66,697<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember', window );">1&#160;to&#160;3 years | Loan commitments granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">45,392<span></span>
</td>
<td class="nump">57,157<span></span>
</td>
<td class="nump">55,344<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember', window );">1&#160;to&#160;3 years | Financial guarantees granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">1,803<span></span>
</td>
<td class="nump">3,691<span></span>
</td>
<td class="nump">1,654<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember', window );">1&#160;to&#160;3 years | Other commitments granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">11,820<span></span>
</td>
<td class="nump">13,197<span></span>
</td>
<td class="nump">9,699<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">3&#160;to&#160;5 years | MEMORANDUM ITEMS</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">62,358<span></span>
</td>
<td class="nump">63,113<span></span>
</td>
<td class="nump">51,276<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">3&#160;to&#160;5 years | Loan commitments granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">58,085<span></span>
</td>
<td class="nump">57,285<span></span>
</td>
<td class="nump">47,204<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">3&#160;to&#160;5 years | Financial guarantees granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">630<span></span>
</td>
<td class="nump">796<span></span>
</td>
<td class="nump">686<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember', window );">3&#160;to&#160;5 years | Other commitments granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">3,643<span></span>
</td>
<td class="nump">5,032<span></span>
</td>
<td class="nump">3,386<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">More&#160;than&#160;5 years | MEMORANDUM ITEMS</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">50,031<span></span>
</td>
<td class="nump">23,507<span></span>
</td>
<td class="nump">22,385<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">More&#160;than&#160;5 years | Loan commitments granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">40,006<span></span>
</td>
<td class="nump">19,588<span></span>
</td>
<td class="nump">20,300<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">More&#160;than&#160;5 years | Financial guarantees granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">650<span></span>
</td>
<td class="nump">508<span></span>
</td>
<td class="nump">491<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember', window );">More&#160;than&#160;5 years | Other commitments granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts', window );">Exposure to credit risk on loan commitments and financial guarantee contracts</a></td>
<td class="nump">&#8364; 9,375<span></span>
</td>
<td class="nump">&#8364; 3,411<span></span>
</td>
<td class="nump">&#8364; 1,594<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialInstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of the exposure to credit risk on loan commitments and financial guarantee contracts. [Refer: Loan commitments [member]; Financial guarantee contracts [member]; Credit risk [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ContingentLiabilitiesAndContingentCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ContingentLiabilitiesAndContingentCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_LoanCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_LoanCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_FinancialGuaranteeContractsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_FinancialGuaranteeContractsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanThreeMonthsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_NotLaterThanThreeMonthsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanThreeYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Other disclosures - Schedule of equivalent euro value of assets and liabilities (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Aug. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">Cash, cash balances at central banks and other deposits on demand</a></td>
<td class="nump">&#8364; 152,281<span></span>
</td>
<td class="nump">&#8364; 96,923<span></span>
</td>
<td class="nump">&#8364; 192,208<span></span>
</td>
<td class="nump">&#8364; 220,342<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">252,318<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">230,253<span></span>
</td>
<td class="nump">176,921<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">7,761<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6,130<span></span>
</td>
<td class="nump">5,910<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Other financial assets at fair value through profit or loss</a></td>
<td class="nump">8,046<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,915<span></span>
</td>
<td class="nump">9,773<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">74,612<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">89,898<span></span>
</td>
<td class="nump">83,308<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">1,202,689<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,203,707<span></span>
</td>
<td class="nump">1,191,403<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentAccountedForUsingEquityMethod', window );">Investments</a></td>
<td class="nump">7,052<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,277<span></span>
</td>
<td class="nump">7,646<span></span>
</td>
<td class="nump">&#8364; 7,615<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">27,438<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">32,087<span></span>
</td>
<td class="nump">33,882<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsAndGoodwill', window );">Intangible assets</a></td>
<td class="nump">17,308<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">19,259<span></span>
</td>
<td class="nump">19,871<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherAssets', window );">Other</a></td>
<td class="nump">8,719<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,559<span></span>
</td>
<td class="nump">8,856<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">1,867,515<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,837,081<span></span>
</td>
<td class="nump">1,797,062<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">171,546<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">152,151<span></span>
</td>
<td class="nump">122,270<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Other financial liabilities at fair value through profit or loss</a></td>
<td class="nump">42,148<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">36,360<span></span>
</td>
<td class="nump">40,367<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">1,421,184<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,484,322<span></span>
</td>
<td class="nump">1,468,703<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsIssuedThatAreLiabilities', window );">Liabilities under insurance contracts</a></td>
<td class="nump">18,737<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">17,829<span></span>
</td>
<td class="nump">17,799<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherLiabilities', window );">Other</a></td>
<td class="nump">15,937<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">16,344<span></span>
</td>
<td class="nump">17,598<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">1,754,767<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,729,754<span></span>
</td>
<td class="nump">1,692,821<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CurrencyAxis=san_NonEuroMember', window );">Non-Euro</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">Cash, cash balances at central banks and other deposits on demand</a></td>
<td class="nump">89,186<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">109,932<span></span>
</td>
<td class="nump">114,410<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">136,499<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">130,076<span></span>
</td>
<td class="nump">106,011<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">3,530<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,208<span></span>
</td>
<td class="nump">3,291<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Other financial assets at fair value through profit or loss</a></td>
<td class="nump">666<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">793<span></span>
</td>
<td class="nump">1,721<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">45,564<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">60,861<span></span>
</td>
<td class="nump">60,516<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">745,401<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">777,226<span></span>
</td>
<td class="nump">773,504<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentAccountedForUsingEquityMethod', window );">Investments</a></td>
<td class="nump">1,859<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,103<span></span>
</td>
<td class="nump">1,689<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TangibleAssets', window );">Tangible assets</a></td>
<td class="nump">14,437<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">18,812<span></span>
</td>
<td class="nump">20,797<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsAndGoodwill', window );">Intangible assets</a></td>
<td class="nump">10,296<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,282<span></span>
</td>
<td class="nump">12,772<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherAssets', window );">Other</a></td>
<td class="nump">96,469<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">25,891<span></span>
</td>
<td class="nump">26,236<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">1,143,907<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,141,184<span></span>
</td>
<td class="nump">1,120,947<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">75,272<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">76,216<span></span>
</td>
<td class="nump">60,581<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Other financial liabilities at fair value through profit or loss</a></td>
<td class="nump">14,943<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,844<span></span>
</td>
<td class="nump">12,699<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">854,517<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">938,844<span></span>
</td>
<td class="nump">937,917<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InsuranceContractsIssuedThatAreLiabilities', window );">Liabilities under insurance contracts</a></td>
<td class="nump">227<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">261<span></span>
</td>
<td class="nump">330<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherLiabilities', window );">Other</a></td>
<td class="nump">82,901<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">22,385<span></span>
</td>
<td class="nump">25,740<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">&#8364; 1,027,860<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,051,550<span></span>
</td>
<td class="nump">&#8364; 1,037,267<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a present economic resource controlled by the entity as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash on hand and demand deposits, along with short-term, highly liquid investments that are readily convertible to known amounts of cash and that are subject to an insignificant risk of changes in value. [Refer: Cash; Cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_a&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 169<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_169&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 169<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_169&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at amortised cost. The amortised cost is the amount at which financial assets are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount, and adjusted for any impairment. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss classified as held for trading. A financial asset is classified as held for trading if: (a) it is acquired principally for the purpose of selling it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: At fair value [member]; Financial assets at fair value through profit or loss, mandatorily measured at fair value]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: At fair value [member]; Financial assets at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets mandatorily measured at fair value through profit or loss in accordance with IFRS 9. [Refer: Financial assets at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at amortised cost. The amortised cost is the amount at which financial liabilities are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount. [Refer: Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at fair value through profit or loss that meet the definition of held for trading. A financial liability is classified as held for trading if: (a) it is acquired or incurred principally for the purpose of selling or repurchasing it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: Financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: At fair value [member]; Financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InsuranceContractsIssuedThatAreLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of insurance contracts issued that are liabilities. [Refer: Liabilities; Insurance contracts issued [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_78_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph ma<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_ma&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InsuranceContractsIssuedThatAreLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IntangibleAssetsAndGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of intangible assets and goodwill held by the entity. [Refer: Goodwill; Intangible assets other than goodwill]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IntangibleAssetsAndGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InvestmentAccountedForUsingEquityMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of investments accounted for using the equity method. The equity method is a method of accounting whereby the investment is initially recognised at cost and adjusted thereafter for the post-acquisition change in the investor's share of net assets of the investee. The investor's profit or loss includes its share of the profit or loss of the investee. The investor's other comprehensive income includes its share of the other comprehensive income of the investee. [Refer: At cost [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B16<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B16&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 89<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_89&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 89<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_89&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentAccountedForUsingEquityMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Liabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a present obligation of the entity to transfer an economic resource as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of tangible assets that are both held for use and expected to used during more than one period. May include property, plant and equipment and investment properties.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TangibleAssets</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=san_NonEuroMember</td>
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<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Other disclosures - Schedule of financial assets measured at other than fair value (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 300,026<span></span>
</td>
<td class="nump">&#8364; 283,497<span></span>
</td>
<td class="nump">&#8364; 243,203<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MeasurementAxis=san_NotAtFairValueMember', window );">Carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">1,202,689<span></span>
</td>
<td class="nump">1,203,707<span></span>
</td>
<td class="nump">1,191,403<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MeasurementAxis=ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember', window );">Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">1,202,223<span></span>
</td>
<td class="nump">1,193,069<span></span>
</td>
<td class="nump">1,180,431<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level1OfFairValueHierarchyMember', window );">Level&#160;1 | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">103,120<span></span>
</td>
<td class="nump">87,170<span></span>
</td>
<td class="nump">67,951<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">163,796<span></span>
</td>
<td class="nump">163,941<span></span>
</td>
<td class="nump">133,874<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">127,104<span></span>
</td>
<td class="nump">117,731<span></span>
</td>
<td class="nump">114,471<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">18,487<span></span>
</td>
<td class="nump">15,319<span></span>
</td>
<td class="nump">10,351<span></span>
</td>
<td class="nump">&#8364; 8,290<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">971,999<span></span>
</td>
<td class="nump">988,168<span></span>
</td>
<td class="nump">998,009<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember', window );">Loans and advances | Carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">1,062,675<span></span>
</td>
<td class="nump">1,082,758<span></span>
</td>
<td class="nump">1,087,844<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember', window );">Loans and advances | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">1,062,981<span></span>
</td>
<td class="nump">1,073,530<span></span>
</td>
<td class="nump">1,077,543<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember', window );">Loans and advances | Level&#160;1 | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember', window );">Loans and advances | Level&#160;2 | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">113,004<span></span>
</td>
<td class="nump">104,582<span></span>
</td>
<td class="nump">103,414<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesMember', window );">Loans and advances | Level&#160;3 | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">949,977<span></span>
</td>
<td class="nump">968,948<span></span>
</td>
<td class="nump">974,129<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">300,026<span></span>
</td>
<td class="nump">283,497<span></span>
</td>
<td class="nump">243,203<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">140,014<span></span>
</td>
<td class="nump">120,949<span></span>
</td>
<td class="nump">103,559<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">139,242<span></span>
</td>
<td class="nump">119,539<span></span>
</td>
<td class="nump">102,888<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Level&#160;1 | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">103,120<span></span>
</td>
<td class="nump">87,170<span></span>
</td>
<td class="nump">67,951<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Level&#160;2 | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">14,100<span></span>
</td>
<td class="nump">13,149<span></span>
</td>
<td class="nump">11,057<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Level&#160;3 | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure of fair value measurement of assets [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValue', window );">Financial assets, at fair value</a></td>
<td class="nump">&#8364; 22,022<span></span>
</td>
<td class="nump">&#8364; 19,220<span></span>
</td>
<td class="nump">&#8364; 23,880<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The fair value of financial assets. [Refer: At fair value [member]; Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
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<td><strong> Name:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Other disclosures - Schedule of financial liabilities measured at other than fair value (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure of fair value measurement of liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherFinancialLiabilities', window );">Other financial liabilities</a></td>
<td class="nump">&#8364; 36,118<span></span>
</td>
<td class="nump">&#8364; 39,916<span></span>
</td>
<td class="nump">&#8364; 40,187<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MeasurementAxis=san_NotAtFairValueMember', window );">Carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure of fair value measurement of liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">1,385,088<span></span>
</td>
<td class="nump">1,444,406<span></span>
</td>
<td class="nump">1,428,516<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MeasurementAxis=ifrs-full_NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember', window );">Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure of fair value measurement of liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">1,387,320<span></span>
</td>
<td class="nump">1,443,444<span></span>
</td>
<td class="nump">1,423,165<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherFinancialLiabilities', window );">Other financial liabilities</a></td>
<td class="nump">36,096<span></span>
</td>
<td class="nump">39,916<span></span>
</td>
<td class="nump">40,187<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level1OfFairValueHierarchyMember', window );">Level&#160;1 | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure of fair value measurement of liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">162,382<span></span>
</td>
<td class="nump">170,118<span></span>
</td>
<td class="nump">136,109<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure of fair value measurement of liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">198,377<span></span>
</td>
<td class="nump">179,766<span></span>
</td>
<td class="nump">166,542<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember', window );">Level&#160;2 | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure of fair value measurement of liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">351,595<span></span>
</td>
<td class="nump">362,805<span></span>
</td>
<td class="nump">389,003<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure of fair value measurement of liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">1,110<span></span>
</td>
<td class="nump">1,352<span></span>
</td>
<td class="nump">1,227<span></span>
</td>
<td class="nump">&#8364; 925<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember', window );">Level&#160;3 | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure of fair value measurement of liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">873,343<span></span>
</td>
<td class="nump">910,521<span></span>
</td>
<td class="nump">898,053<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | Carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure of fair value measurement of liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">1,072,384<span></span>
</td>
<td class="nump">1,126,439<span></span>
</td>
<td class="nump">1,125,308<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure of fair value measurement of liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">1,073,147<span></span>
</td>
<td class="nump">1,125,532<span></span>
</td>
<td class="nump">1,124,373<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | Level&#160;1 | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure of fair value measurement of liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | Level&#160;2 | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure of fair value measurement of liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">235,998<span></span>
</td>
<td class="nump">250,440<span></span>
</td>
<td class="nump">263,428<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember', window );">Deposits | Level&#160;3 | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure of fair value measurement of liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">837,149<span></span>
</td>
<td class="nump">875,092<span></span>
</td>
<td class="nump">860,945<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure of fair value measurement of liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="nump">312,704<span></span>
</td>
<td class="nump">317,967<span></span>
</td>
<td class="nump">303,208<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure of fair value measurement of liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">314,173<span></span>
</td>
<td class="nump">317,912<span></span>
</td>
<td class="nump">298,792<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Level&#160;1 | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure of fair value measurement of liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">162,382<span></span>
</td>
<td class="nump">170,118<span></span>
</td>
<td class="nump">136,109<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Level&#160;2 | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure of fair value measurement of liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">115,597<span></span>
</td>
<td class="nump">112,365<span></span>
</td>
<td class="nump">125,575<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DebtSecuritiesMember', window );">Debt securities | Level&#160;3 | Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure of fair value measurement of liabilities [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValue', window );">Financial liabilities, at fair value</a></td>
<td class="nump">&#8364; 36,194<span></span>
</td>
<td class="nump">&#8364; 35,429<span></span>
</td>
<td class="nump">&#8364; 37,108<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that are: (a) a contractual obligation: (i) to deliver cash or another financial asset to another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially unfavourable to the entity; or (b) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to deliver a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose, rights, options or warrants to acquire a fixed number of the entity&#8217;s own equity instruments for a fixed amount of any currency are equity instruments if the entity offers the rights, options or warrants pro rata to all of its existing owners of the same class of its own non-derivative equity instruments. Also, for those purposes the entity&#8217;s own equity instruments do not include puttable financial instruments that are classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. As an exception, an instrument that meets the definition of a financial liability is classified as an equity instrument if it has all the features and meets the conditions in paragraphs 16A-16B or paragraphs 16C-16D of IAS 32. [Refer: Classes of financial instruments [domain]; Financial assets; Derivatives [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilities</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The fair value of financial liabilities. [Refer: At fair value [member]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities that the entity does not separately disclose in the same statement or note. [Refer: Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph m<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_m&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level1OfFairValueHierarchyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level2OfFairValueHierarchyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
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</html>
</TEXT>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Other disclosures - Schedule of offsetting of financial instruments (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract', window );"><strong>Financial assets offset in the consolidated balance sheets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross amount of financial assets</a></td>
<td class="nump">&#8364; 335,242<span></span>
</td>
<td class="nump">&#8364; 341,365<span></span>
</td>
<td class="nump">&#8364; 329,088<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross amount of financial assets offset in the balance sheet</a></td>
<td class="num">(131,982)<span></span>
</td>
<td class="num">(150,047)<span></span>
</td>
<td class="num">(167,383)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition', window );">Net amount of financial assets presented in the balance sheet</a></td>
<td class="nump">203,260<span></span>
</td>
<td class="nump">191,318<span></span>
</td>
<td class="nump">161,705<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract', window );"><strong>Financial liabilities offset in the consolidated balance sheets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross amount of financial liabilities</a></td>
<td class="nump">358,625<span></span>
</td>
<td class="nump">368,205<span></span>
</td>
<td class="nump">358,968<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross amount of financial liabilities offset in the balance sheet</a></td>
<td class="num">(131,982)<span></span>
</td>
<td class="num">(150,047)<span></span>
</td>
<td class="num">(167,383)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition', window );">Net amount of financial liabilities presented in the balance sheet</a></td>
<td class="nump">226,643<span></span>
</td>
<td class="nump">218,158<span></span>
</td>
<td class="nump">191,585<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_DerivativesMember', window );">Derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract', window );"><strong>Financial liabilities offset in the consolidated balance sheets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross amount of financial liabilities</a></td>
<td class="nump">111,664<span></span>
</td>
<td class="nump">145,064<span></span>
</td>
<td class="nump">146,128<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross amount of financial liabilities offset in the balance sheet</a></td>
<td class="num">(55,447)<span></span>
</td>
<td class="num">(82,559)<span></span>
</td>
<td class="num">(87,883)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition', window );">Net amount of financial liabilities presented in the balance sheet</a></td>
<td class="nump">56,217<span></span>
</td>
<td class="nump">62,505<span></span>
</td>
<td class="nump">58,245<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_RepurchaseAgreementsLiabilitiesMember', window );">Reverse repurchase agreements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract', window );"><strong>Financial liabilities offset in the consolidated balance sheets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross amount of financial liabilities</a></td>
<td class="nump">246,961<span></span>
</td>
<td class="nump">223,141<span></span>
</td>
<td class="nump">212,840<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross amount of financial liabilities offset in the balance sheet</a></td>
<td class="num">(76,535)<span></span>
</td>
<td class="num">(67,488)<span></span>
</td>
<td class="num">(79,500)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition', window );">Net amount of financial liabilities presented in the balance sheet</a></td>
<td class="nump">170,426<span></span>
</td>
<td class="nump">155,653<span></span>
</td>
<td class="nump">133,340<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember', window );">Derivatives</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract', window );"><strong>Financial assets offset in the consolidated balance sheets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross amount of financial assets</a></td>
<td class="nump">117,733<span></span>
</td>
<td class="nump">152,331<span></span>
</td>
<td class="nump">149,508<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross amount of financial assets offset in the balance sheet</a></td>
<td class="num">(55,447)<span></span>
</td>
<td class="num">(82,559)<span></span>
</td>
<td class="num">(87,883)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition', window );">Net amount of financial assets presented in the balance sheet</a></td>
<td class="nump">62,286<span></span>
</td>
<td class="nump">69,772<span></span>
</td>
<td class="nump">61,625<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_RepurchaseAgreementsAssetsMember', window );">Reverse repurchase agreements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract', window );"><strong>Financial assets offset in the consolidated balance sheets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross amount of financial assets</a></td>
<td class="nump">217,509<span></span>
</td>
<td class="nump">189,034<span></span>
</td>
<td class="nump">179,580<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Gross amount of financial assets offset in the balance sheet</a></td>
<td class="num">(76,535)<span></span>
</td>
<td class="num">(67,488)<span></span>
</td>
<td class="num">(79,500)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition', window );">Net amount of financial assets presented in the balance sheet</a></td>
<td class="nump">&#8364; 140,974<span></span>
</td>
<td class="nump">&#8364; 121,546<span></span>
</td>
<td class="nump">&#8364; 100,080<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets set off against financial liabilities when an entity: (a) currently has a legally enforceable right to set off the recognised amounts; and (b) intends either to settle on a net basis, or to realise the asset and settle the liability simultaneously. [Refer: Financial assets; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 49<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_49&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 13C<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_13C_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 49<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_49&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gross amount of recognised financial assets that are subject either to offsetting or to an enforceable master netting arrangement or similar agreement. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 13C<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_13C_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities set off against financial assets when an entity: (a) currently has a legally enforceable right to set off the recognised amounts; and (b) intends either to settle on a net basis or to realise the asset and settle the liability simultaneously. [Refer: Financial assets; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 13C<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_13C_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 49<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_49&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 49<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_49&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements</td>
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<tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gross amount of recognised financial liabilities that are subject either to offsetting or to an enforceable master netting arrangement or similar agreement. [Refer: Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 13C<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_13C_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements</td>
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<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net amount of financial assets that are subject either to offsetting or to an enforceable master netting arrangement or similar agreement, presented in the statement of financial position. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 13C<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_13C_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net amount of financial liabilities that are subject either to offsetting or to an enforceable master netting arrangement or similar agreement, presented in the statement of financial position. [Refer: Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 13C<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_13C_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPositionAbstract</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DerivativesMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Other disclosures - Narrative (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherDisclosuresAbstract', window );"><strong>Other Disclosures [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GrossFinancialInstrumentsSetOffAgainstFinancialInstrumentsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsOther', window );">Gross amount of other items offset in the balance sheet</a></td>
<td class="nump">&#8364; 632<span></span>
</td>
<td class="nump">&#8364; 811<span></span>
</td>
<td class="nump">&#8364; 910<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Assets subject to netting and collateral arrangements on balance sheet</a></td>
<td class="nump">192,621<span></span>
</td>
<td class="nump">176,198<span></span>
</td>
<td class="nump">151,044<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements', window );">Liabilities subject to netting and collateral arrangements on balance sheet</a></td>
<td class="nump">&#8364; 220,296<span></span>
</td>
<td class="nump">&#8364; 209,121<span></span>
</td>
<td class="nump">&#8364; 180,539<span></span>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount remaining after deducting the amounts subject to an enforceable master netting arrangement or similar agreement that were not set off against financial assets, from the net amount of financial assets subject to offsetting or subject to an enforceable master netting arrangement or similar agreement presented in the statement of financial position.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 13C<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_13C_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount remaining after deducting the amounts subject to an enforceable master netting arrangement or similar agreement that were not set off against financial liabilities, from the net amount of financial liabilities subject to offsetting or subject to an enforceable master netting arrangement or similar agreement presented in the statement of financial position.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 13C<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_13C_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GrossFinancialInstrumentsSetOffAgainstFinancialInstrumentsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsOther">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other financial instruments set off against other financial instruments when an entity: (a) currently has a legally enforceable right to set off the recognised amounts; and (b) intends either to settle on a net basis or to realise the asset and settle the liability simultaneously. asset/liability and settle the liability/asset simultaneously.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GrossFinancialInstrumentsSetOffAgainstFinancialInstrumentsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsOther</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherDisclosuresAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherDisclosuresAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Primary and secondary segments reporting - Primary segments, narrative (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2025 </div>
<div>operatingAreas </div>
<div>segment</div>
</th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOperatingSegmentsAbstract', window );"><strong>Disclosure of operating segments [abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReportableSegmentsNumber', window );">Number of operating segments | segment</a></td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfOperatingAreas', window );">Number of operating areas | operatingAreas</a></td>
<td class="nump">5<span></span>
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</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfOperatingSegmentsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfOperatingSegmentsAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfOperatingAreas">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the number of operating areas.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfOperatingAreas</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ReportableSegmentsNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Reportable Segments, Number</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ReportableSegmentsNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Primary and secondary segments reporting - Schedule of condensed balance sheets and condensed underlying income statements by primary segments (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1">8 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Aug. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 300,026.0<span></span>
</td>
<td class="nump">&#8364; 283,497.0<span></span>
</td>
<td class="nump">&#8364; 243,203.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">42,348.0<span></span>
</td>
<td class="nump">43,787.0<span></span>
</td>
<td class="nump">40,650.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,976.0<span></span>
</td>
<td class="nump">12,376.0<span></span>
</td>
<td class="nump">11,495.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,362.0<span></span>
</td>
<td class="nump">2,211.0<span></span>
</td>
<td class="nump">2,565.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">625.0<span></span>
</td>
<td class="num">(331.0)<span></span>
</td>
<td class="num">(759.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">58,311.0<span></span>
</td>
<td class="nump">58,043.0<span></span>
</td>
<td class="nump">53,951.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">33,532.0<span></span>
</td>
<td class="nump">32,828.0<span></span>
</td>
<td class="nump">29,267.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(12,596.0)<span></span>
</td>
<td class="num">(12,183.0)<span></span>
</td>
<td class="num">(12,260.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2,255.0)<span></span>
</td>
<td class="num">(3,298.0)<span></span>
</td>
<td class="num">(2,002.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="nump">&#8364; 6,193.0<span></span>
</td>
<td class="nump">18,681.0<span></span>
</td>
<td class="nump">17,347.0<span></span>
</td>
<td class="nump">15,005.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="num">&#8364; (635.0)<span></span>
</td>
<td class="num">(4,723.0)<span></span>
</td>
<td class="num">(4,844.0)<span></span>
</td>
<td class="num">(3,880.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,958.0<span></span>
</td>
<td class="nump">12,503.0<span></span>
</td>
<td class="nump">11,125.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,542.0<span></span>
</td>
<td class="nump">1,241.0<span></span>
</td>
<td class="nump">1,058.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">15,500.0<span></span>
</td>
<td class="nump">13,744.0<span></span>
</td>
<td class="nump">12,183.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,399.0)<span></span>
</td>
<td class="num">(1,170.0)<span></span>
</td>
<td class="num">(1,107.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">14,101.0<span></span>
</td>
<td class="nump">12,574.0<span></span>
</td>
<td class="nump">11,076.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersExcludingPolandDisposalMember', window );">Customer deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,005,605.0<span></span>
</td>
<td class="nump">1,002,669.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,041,200.0<span></span>
</td>
<td class="nump">1,055,936.0<span></span>
</td>
<td class="nump">1,047,169.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,037,288.0<span></span>
</td>
<td class="nump">1,054,069.0<span></span>
</td>
<td class="nump">1,036,349.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersExcludingPolandDisposalMember', window );">Loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,017,160.0<span></span>
</td>
<td class="nump">1,003,465.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItemsAxis=san_GrossLoansAndAdvancesToCustomersMember', window );">Gross loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">984,466.0<span></span>
</td>
<td class="nump">978,961.0<span></span>
</td>
<td class="nump">981,192.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItemsAxis=san_CustomerFundsMember', window );">Customers funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,199,798.0<span></span>
</td>
<td class="nump">1,154,759.0<span></span>
</td>
<td class="nump">1,127,503.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItemsAxis=san_DepositsCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">944,409.0<span></span>
</td>
<td class="nump">927,533.0<span></span>
</td>
<td class="nump">923,884.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItemsAxis=ifrs-full_InvestmentFundsMember', window );">Investment funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItems', window );">Memorandum items</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">255,389.0<span></span>
</td>
<td class="nump">227,226.0<span></span>
</td>
<td class="nump">203,618.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SegmentItemsAxis=san_UnderlyingProfitItemsMember', window );">Underlying results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">42,401.0<span></span>
</td>
<td class="nump">43,824.0<span></span>
</td>
<td class="nump">40,718.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,928.0<span></span>
</td>
<td class="nump">12,335.0<span></span>
</td>
<td class="nump">11,468.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,354.0<span></span>
</td>
<td class="nump">2,216.0<span></span>
</td>
<td class="nump">2,566.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">625.0<span></span>
</td>
<td class="num">(391.0)<span></span>
</td>
<td class="num">(812.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">58,308.0<span></span>
</td>
<td class="nump">57,984.0<span></span>
</td>
<td class="nump">53,940.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalCostSegmentReporting', window );">Total Costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(26,410.0)<span></span>
</td>
<td class="num">(27,354.0)<span></span>
</td>
<td class="num">(26,501.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">31,898.0<span></span>
</td>
<td class="nump">30,630.0<span></span>
</td>
<td class="nump">27,439.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(12,128.0)<span></span>
</td>
<td class="num">(11,822.0)<span></span>
</td>
<td class="num">(11,784.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(834.0)<span></span>
</td>
<td class="num">(1,431.0)<span></span>
</td>
<td class="num">(350.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">18,936.0<span></span>
</td>
<td class="nump">17,377.0<span></span>
</td>
<td class="nump">15,305.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(4,939.0)<span></span>
</td>
<td class="num">(4,853.0)<span></span>
</td>
<td class="num">(4,112.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,997.0<span></span>
</td>
<td class="nump">12,524.0<span></span>
</td>
<td class="nump">11,193.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,997.0<span></span>
</td>
<td class="nump">12,524.0<span></span>
</td>
<td class="nump">11,193.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(845.0)<span></span>
</td>
<td class="num">(750.0)<span></span>
</td>
<td class="num">(791.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,152.0<span></span>
</td>
<td class="nump">11,774.0<span></span>
</td>
<td class="nump">10,402.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks', window );">Provision (release) of provision corresponding to results from commitments and contingent risks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">50.0<span></span>
</td>
<td class="nump">47.0<span></span>
</td>
<td class="num">(38.0)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_RetailAndCommercialBankingMember', window );">Retail &amp; Commercial Banking | Operating segment | Customer deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">618,628.0<span></span>
</td>
<td class="nump">629,243.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_RetailAndCommercialBankingMember', window );">Retail &amp; Commercial Banking | Operating segment | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">628,026.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_RetailAndCommercialBankingMember', window );">Retail &amp; Commercial Banking | Operating segment | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">594,262.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_RetailAndCommercialBankingMember', window );">Retail &amp; Commercial Banking | Operating segment | Loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">598,852.0<span></span>
</td>
<td class="nump">610,528.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_RetailAndCommercialBankingMember', window );">Retail &amp; Commercial Banking | Gross loans and advances to customers | Operating segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">591,287.0<span></span>
</td>
<td class="nump">600,230.0<span></span>
</td>
<td class="nump">611,882.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_RetailAndCommercialBankingMember', window );">Retail &amp; Commercial Banking | Customers funds | Operating segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">726,779.0<span></span>
</td>
<td class="nump">706,505.0<span></span>
</td>
<td class="nump">688,569.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_RetailAndCommercialBankingMember', window );">Retail &amp; Commercial Banking | Customers | Operating segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">616,402.0<span></span>
</td>
<td class="nump">607,094.0<span></span>
</td>
<td class="nump">600,871.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_RetailAndCommercialBankingMember', window );">Retail &amp; Commercial Banking | Investment funds | Operating segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItems', window );">Memorandum items</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">110,377.0<span></span>
</td>
<td class="nump">99,411.0<span></span>
</td>
<td class="nump">87,698.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_RetailAndCommercialBankingMember', window );">Retail &amp; Commercial Banking | Underlying results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">26,528.0<span></span>
</td>
<td class="nump">27,854.0<span></span>
</td>
<td class="nump">25,586.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6,222.0<span></span>
</td>
<td class="nump">6,022.0<span></span>
</td>
<td class="nump">6,077.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">680.0<span></span>
</td>
<td class="nump">805.0<span></span>
</td>
<td class="nump">837.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(983.0)<span></span>
</td>
<td class="num">(1,617.0)<span></span>
</td>
<td class="num">(1,707.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">32,447.0<span></span>
</td>
<td class="nump">33,064.0<span></span>
</td>
<td class="nump">30,792.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalCostSegmentReporting', window );">Total Costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(13,913.0)<span></span>
</td>
<td class="num">(14,704.0)<span></span>
</td>
<td class="num">(14,757.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">18,534.0<span></span>
</td>
<td class="nump">18,359.0<span></span>
</td>
<td class="nump">16,036.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(7,150.0)<span></span>
</td>
<td class="num">(7,064.0)<span></span>
</td>
<td class="num">(7,542.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(385.0)<span></span>
</td>
<td class="num">(545.0)<span></span>
</td>
<td class="num">(298.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">10,998.0<span></span>
</td>
<td class="nump">10,750.0<span></span>
</td>
<td class="nump">8,195.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2,974.0)<span></span>
</td>
<td class="num">(3,132.0)<span></span>
</td>
<td class="num">(2,076.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,024.0<span></span>
</td>
<td class="nump">7,619.0<span></span>
</td>
<td class="nump">6,120.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,024.0<span></span>
</td>
<td class="nump">7,619.0<span></span>
</td>
<td class="nump">6,120.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(314.0)<span></span>
</td>
<td class="num">(273.0)<span></span>
</td>
<td class="num">(232.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,710.0<span></span>
</td>
<td class="nump">7,345.0<span></span>
</td>
<td class="nump">5,887.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankSegmentMember', window );">Openbank | Operating segment | Customer deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">128,975.0<span></span>
</td>
<td class="nump">115,446.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankSegmentMember', window );">Openbank | Operating segment | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">129,946.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankSegmentMember', window );">Openbank | Operating segment | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">203,857.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankSegmentMember', window );">Openbank | Operating segment | Loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">207,107.0<span></span>
</td>
<td class="nump">199,158.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankSegmentMember', window );">Openbank | Gross loans and advances to customers | Operating segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">211,894.0<span></span>
</td>
<td class="nump">215,164.0<span></span>
</td>
<td class="nump">206,649.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankSegmentMember', window );">Openbank | Customers funds | Operating segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">138,999.0<span></span>
</td>
<td class="nump">137,122.0<span></span>
</td>
<td class="nump">120,996.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankSegmentMember', window );">Openbank | Customers | Operating segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">129,909.0<span></span>
</td>
<td class="nump">128,933.0<span></span>
</td>
<td class="nump">114,334.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankSegmentMember', window );">Openbank | Investment funds | Operating segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItems', window );">Memorandum items</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9,089.0<span></span>
</td>
<td class="nump">8,189.0<span></span>
</td>
<td class="nump">6,662.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankSegmentMember', window );">Openbank | Underlying results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">11,036.0<span></span>
</td>
<td class="nump">10,777.0<span></span>
</td>
<td class="nump">10,221.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,479.0<span></span>
</td>
<td class="nump">1,508.0<span></span>
</td>
<td class="nump">1,229.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(11.0)<span></span>
</td>
<td class="num">(4.0)<span></span>
</td>
<td class="nump">116.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">511.0<span></span>
</td>
<td class="nump">596.0<span></span>
</td>
<td class="nump">709.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,015.0<span></span>
</td>
<td class="nump">12,877.0<span></span>
</td>
<td class="nump">12,274.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalCostSegmentReporting', window );">Total Costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(5,680.0)<span></span>
</td>
<td class="num">(5,576.0)<span></span>
</td>
<td class="num">(5,526.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,335.0<span></span>
</td>
<td class="nump">7,302.0<span></span>
</td>
<td class="nump">6,748.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(4,457.0)<span></span>
</td>
<td class="num">(4,562.0)<span></span>
</td>
<td class="num">(4,106.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(312.0)<span></span>
</td>
<td class="num">(512.0)<span></span>
</td>
<td class="nump">35.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,566.0<span></span>
</td>
<td class="nump">2,228.0<span></span>
</td>
<td class="nump">2,677.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(489.0)<span></span>
</td>
<td class="num">(294.0)<span></span>
</td>
<td class="num">(426.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,077.0<span></span>
</td>
<td class="nump">1,934.0<span></span>
</td>
<td class="nump">2,251.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,077.0<span></span>
</td>
<td class="nump">1,934.0<span></span>
</td>
<td class="nump">2,251.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(336.0)<span></span>
</td>
<td class="num">(275.0)<span></span>
</td>
<td class="num">(350.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,741.0<span></span>
</td>
<td class="nump">1,659.0<span></span>
</td>
<td class="nump">1,901.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateAndInvestmentBankingSegmentMember', window );">Corporate &amp; Investment Banking | Operating segment | Customer deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">198,872.0<span></span>
</td>
<td class="nump">200,592.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateAndInvestmentBankingSegmentMember', window );">Corporate &amp; Investment Banking | Operating segment | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">221,321.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateAndInvestmentBankingSegmentMember', window );">Corporate &amp; Investment Banking | Operating segment | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">204,210.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateAndInvestmentBankingSegmentMember', window );">Corporate &amp; Investment Banking | Operating segment | Loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">178,746.0<span></span>
</td>
<td class="nump">163,627.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateAndInvestmentBankingSegmentMember', window );">Corporate &amp; Investment Banking | Gross loans and advances to customers | Operating segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">146,065.0<span></span>
</td>
<td class="nump">130,840.0<span></span>
</td>
<td class="nump">132,308.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateAndInvestmentBankingSegmentMember', window );">Corporate &amp; Investment Banking | Customers funds | Operating segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">149,731.0<span></span>
</td>
<td class="nump">147,492.0<span></span>
</td>
<td class="nump">166,721.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateAndInvestmentBankingSegmentMember', window );">Corporate &amp; Investment Banking | Customers | Operating segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">137,267.0<span></span>
</td>
<td class="nump">133,433.0<span></span>
</td>
<td class="nump">152,156.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateAndInvestmentBankingSegmentMember', window );">Corporate &amp; Investment Banking | Investment funds | Operating segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItems', window );">Memorandum items</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,464.0<span></span>
</td>
<td class="nump">14,059.0<span></span>
</td>
<td class="nump">14,565.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateAndInvestmentBankingSegmentMember', window );">Corporate &amp; Investment Banking | Underlying results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,824.0<span></span>
</td>
<td class="nump">3,779.0<span></span>
</td>
<td class="nump">3,361.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,552.0<span></span>
</td>
<td class="nump">2,415.0<span></span>
</td>
<td class="nump">2,013.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,281.0<span></span>
</td>
<td class="nump">1,568.0<span></span>
</td>
<td class="nump">1,748.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">359.0<span></span>
</td>
<td class="nump">136.0<span></span>
</td>
<td class="num">(22.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,016.0<span></span>
</td>
<td class="nump">7,897.0<span></span>
</td>
<td class="nump">7,100.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalCostSegmentReporting', window );">Total Costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(3,752.0)<span></span>
</td>
<td class="num">(3,922.0)<span></span>
</td>
<td class="num">(3,381.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,264.0<span></span>
</td>
<td class="nump">3,975.0<span></span>
</td>
<td class="nump">3,719.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(278.0)<span></span>
</td>
<td class="num">(141.0)<span></span>
</td>
<td class="num">(132.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(37.0)<span></span>
</td>
<td class="num">(19.0)<span></span>
</td>
<td class="num">(9.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,949.0<span></span>
</td>
<td class="nump">3,815.0<span></span>
</td>
<td class="nump">3,578.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,114.0)<span></span>
</td>
<td class="num">(1,023.0)<span></span>
</td>
<td class="num">(1,086.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,835.0<span></span>
</td>
<td class="nump">2,792.0<span></span>
</td>
<td class="nump">2,491.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,835.0<span></span>
</td>
<td class="nump">2,792.0<span></span>
</td>
<td class="nump">2,491.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(127.0)<span></span>
</td>
<td class="num">(153.0)<span></span>
</td>
<td class="num">(163.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,708.0<span></span>
</td>
<td class="nump">2,639.0<span></span>
</td>
<td class="nump">2,328.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_WealthManagementAndInsuranceSegmentMember', window );">Wealth Management &amp; Insurance | Operating segment | Customer deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">56,663.0<span></span>
</td>
<td class="nump">54,462.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_WealthManagementAndInsuranceSegmentMember', window );">Wealth Management &amp; Insurance | Operating segment | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">59,127.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_WealthManagementAndInsuranceSegmentMember', window );">Wealth Management &amp; Insurance | Operating segment | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">26,516.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_WealthManagementAndInsuranceSegmentMember', window );">Wealth Management &amp; Insurance | Operating segment | Loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">24,478.0<span></span>
</td>
<td class="nump">22,456.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_WealthManagementAndInsuranceSegmentMember', window );">Wealth Management &amp; Insurance | Gross loans and advances to customers | Operating segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">26,680.0<span></span>
</td>
<td class="nump">24,643.0<span></span>
</td>
<td class="nump">22,550.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_WealthManagementAndInsuranceSegmentMember', window );">Wealth Management &amp; Insurance | Customers funds | Operating segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">181,509.0<span></span>
</td>
<td class="nump">161,304.0<span></span>
</td>
<td class="nump">148,292.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_WealthManagementAndInsuranceSegmentMember', window );">Wealth Management &amp; Insurance | Customers | Operating segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">58,051.0<span></span>
</td>
<td class="nump">55,736.0<span></span>
</td>
<td class="nump">53,599.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_WealthManagementAndInsuranceSegmentMember', window );">Wealth Management &amp; Insurance | Investment funds | Operating segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItems', window );">Memorandum items</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">123,458.0<span></span>
</td>
<td class="nump">105,568.0<span></span>
</td>
<td class="nump">94,693.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_WealthManagementAndInsuranceSegmentMember', window );">Wealth Management &amp; Insurance | Underlying results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,335.0<span></span>
</td>
<td class="nump">1,591.0<span></span>
</td>
<td class="nump">1,499.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,642.0<span></span>
</td>
<td class="nump">1,442.0<span></span>
</td>
<td class="nump">1,209.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">512.0<span></span>
</td>
<td class="nump">256.0<span></span>
</td>
<td class="nump">178.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">552.0<span></span>
</td>
<td class="nump">298.0<span></span>
</td>
<td class="nump">197.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,042.0<span></span>
</td>
<td class="nump">3,587.0<span></span>
</td>
<td class="nump">3,082.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalCostSegmentReporting', window );">Total Costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,444.0)<span></span>
</td>
<td class="num">(1,403.0)<span></span>
</td>
<td class="num">(1,266.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,598.0<span></span>
</td>
<td class="nump">2,183.0<span></span>
</td>
<td class="nump">1,816.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(20.0)<span></span>
</td>
<td class="num">(42.0)<span></span>
</td>
<td class="nump">19.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(14.0)<span></span>
</td>
<td class="num">(8.0)<span></span>
</td>
<td class="num">(1.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,564.0<span></span>
</td>
<td class="nump">2,134.0<span></span>
</td>
<td class="nump">1,834.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(532.0)<span></span>
</td>
<td class="num">(509.0)<span></span>
</td>
<td class="num">(429.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,032.0<span></span>
</td>
<td class="nump">1,624.0<span></span>
</td>
<td class="nump">1,405.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,032.0<span></span>
</td>
<td class="nump">1,624.0<span></span>
</td>
<td class="nump">1,405.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(50.0)<span></span>
</td>
<td class="num">(40.0)<span></span>
</td>
<td class="num">(45.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,983.0<span></span>
</td>
<td class="nump">1,584.0<span></span>
</td>
<td class="nump">1,360.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_PaymentSolutionsSegmentMember', window );">Payment Solutions | Operating segment | Customer deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,038.0<span></span>
</td>
<td class="nump">1,418.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_PaymentSolutionsSegmentMember', window );">Payment Solutions | Operating segment | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,392.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_PaymentSolutionsSegmentMember', window );">Payment Solutions | Operating segment | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">977.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_PaymentSolutionsSegmentMember', window );">Payment Solutions | Operating segment | Loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,066.0<span></span>
</td>
<td class="nump">1,165.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_PaymentSolutionsSegmentMember', window );">Payment Solutions | Gross loans and advances to customers | Operating segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,002.0<span></span>
</td>
<td class="nump">1,087.0<span></span>
</td>
<td class="nump">1,194.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_PaymentSolutionsSegmentMember', window );">Payment Solutions | Customers funds | Operating segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,392.0<span></span>
</td>
<td class="nump">1,038.0<span></span>
</td>
<td class="nump">1,418.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_PaymentSolutionsSegmentMember', window );">Payment Solutions | Customers | Operating segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,392.0<span></span>
</td>
<td class="nump">1,038.0<span></span>
</td>
<td class="nump">1,418.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_PaymentSolutionsSegmentMember', window );">Payment Solutions | Investment funds | Operating segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItems', window );">Memorandum items</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_PaymentSolutionsSegmentMember', window );">Payment Solutions | Underlying results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">167.0<span></span>
</td>
<td class="nump">132.0<span></span>
</td>
<td class="nump">92.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,059.0<span></span>
</td>
<td class="nump">958.0<span></span>
</td>
<td class="nump">954.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(24.0)<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="num">(10.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">171.0<span></span>
</td>
<td class="nump">150.0<span></span>
</td>
<td class="nump">97.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,373.0<span></span>
</td>
<td class="nump">1,240.0<span></span>
</td>
<td class="nump">1,134.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalCostSegmentReporting', window );">Total Costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,203.0)<span></span>
</td>
<td class="num">(1,209.0)<span></span>
</td>
<td class="num">(1,111.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">170.0<span></span>
</td>
<td class="nump">31.0<span></span>
</td>
<td class="nump">23.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(24.0)<span></span>
</td>
<td class="num">(16.0)<span></span>
</td>
<td class="num">(24.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(12.0)<span></span>
</td>
<td class="num">(247.0)<span></span>
</td>
<td class="num">(15.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">134.0<span></span>
</td>
<td class="num">(233.0)<span></span>
</td>
<td class="num">(17.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(19.0)<span></span>
</td>
<td class="num">(57.0)<span></span>
</td>
<td class="num">(59.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">115.0<span></span>
</td>
<td class="num">(290.0)<span></span>
</td>
<td class="num">(75.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">115.0<span></span>
</td>
<td class="num">(290.0)<span></span>
</td>
<td class="num">(75.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(19.0)<span></span>
</td>
<td class="num">(9.0)<span></span>
</td>
<td class="num">(1.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">96.0<span></span>
</td>
<td class="num">(299.0)<span></span>
</td>
<td class="num">(77.0)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Customer deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,430.0<span></span>
</td>
<td class="nump">1,508.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,387.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,465.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6,911.0<span></span>
</td>
<td class="nump">6,531.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Gross loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,537.0<span></span>
</td>
<td class="nump">6,997.0<span></span>
</td>
<td class="nump">6,608.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Customers funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,387.0<span></span>
</td>
<td class="nump">1,299.0<span></span>
</td>
<td class="nump">1,508.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,387.0<span></span>
</td>
<td class="nump">1,299.0<span></span>
</td>
<td class="nump">1,508.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Investment funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItems', window );">Memorandum items</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Underlying results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(490.0)<span></span>
</td>
<td class="num">(308.0)<span></span>
</td>
<td class="num">(41.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(27.0)<span></span>
</td>
<td class="num">(11.0)<span></span>
</td>
<td class="num">(13.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(82.0)<span></span>
</td>
<td class="num">(408.0)<span></span>
</td>
<td class="num">(302.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">14.0<span></span>
</td>
<td class="nump">47.0<span></span>
</td>
<td class="num">(86.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(585.0)<span></span>
</td>
<td class="num">(680.0)<span></span>
</td>
<td class="num">(442.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalCostSegmentReporting', window );">Total Costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(417.0)<span></span>
</td>
<td class="num">(540.0)<span></span>
</td>
<td class="num">(460.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,003.0)<span></span>
</td>
<td class="num">(1,220.0)<span></span>
</td>
<td class="num">(901.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(198.0)<span></span>
</td>
<td class="nump">3.0<span></span>
</td>
<td class="nump">2.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(75.0)<span></span>
</td>
<td class="num">(99.0)<span></span>
</td>
<td class="num">(62.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,275.0)<span></span>
</td>
<td class="num">(1,317.0)<span></span>
</td>
<td class="num">(961.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">190.0<span></span>
</td>
<td class="nump">162.0<span></span>
</td>
<td class="num">(36.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,085.0)<span></span>
</td>
<td class="num">(1,155.0)<span></span>
</td>
<td class="num">(998.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,085.0)<span></span>
</td>
<td class="num">(1,155.0)<span></span>
</td>
<td class="num">(998.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">1.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">&#8364; (1,085.0)<span></span>
</td>
<td class="num">&#8364; (1,154.0)<span></span>
</td>
<td class="num">&#8364; (998.0)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FeeAndCommissionIncomeExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FeeAndCommissionIncomeExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that are: (a) a contractual obligation: (i) to deliver cash or another financial asset to another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially unfavourable to the entity; or (b) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to deliver a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose, rights, options or warrants to acquire a fixed number of the entity&#8217;s own equity instruments for a fixed amount of any currency are equity instruments if the entity offers the rights, options or warrants pro rata to all of its existing owners of the same class of its own non-derivative equity instruments. Also, for those purposes the entity&#8217;s own equity instruments do not include puttable financial instruments that are classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. As an exception, an instrument that meets the definition of a financial liability is classified as an equity instrument if it has all the features and meets the conditions in paragraphs 16A-16B or paragraphs 16C-16D of IAS 32. [Refer: Classes of financial instruments [domain]; Financial assets; Derivatives [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GrossProfit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GrossProfit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeStatementAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeStatementAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxExpenseContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph b<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_b_viii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 79<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_79&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_g&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 192<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_192&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 192<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_192&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxExpenseContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestRevenueExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestRevenueExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherGainsLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherGainsLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses from continuing and discontinued operations, excluding the components of other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 113<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing and discontinued operations attributable to non-controlling interests. [Refer: Profit (loss); Non-controlling interests]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 12<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_12_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81B<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81B_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToNoncontrollingInterests</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossAttributableToOwnersOfParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing and discontinued operations attributable to owners of the parent. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81B<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81B_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToOwnersOfParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing operations. [Refer: Continuing operations, unless line item indicates otherwise [member]; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_vi&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause vii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_vii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 98<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_98_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph ea<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_ea&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_StatementOfFinancialPositionAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_StatementOfFinancialPositionAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net amount of impairment and reversal of impairment on financial assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MemorandumItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Memorandum Items</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MemorandumItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NetOperatingIncomeExpenseSegmentReporting">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net Operating Income (Expense), Segment Reporting</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NetOperatingIncomeExpenseSegmentReporting</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherNonFinancialGainsLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other non-financial gains (losses).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherNonFinancialGainsLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherOperatingIncomeExpenseSegmentReporting">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other operating income (expense) used for segment reporting, which includes dividend income, income from companies using the equity method, other operating income, other operating expense, and income and expense under insurance and reinsurance contracts.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherOperatingIncomeExpenseSegmentReporting</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Provision (Release) Corresponding To Results From Commitments And Contingent Risks</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TotalCostSegmentReporting">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Total Cost, Segment Reporting</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TotalCostSegmentReporting</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersExcludingPolandDisposalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersExcludingPolandDisposalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersExcludingPolandDisposalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersExcludingPolandDisposalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MemorandumItemsAxis=san_GrossLoansAndAdvancesToCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MemorandumItemsAxis=san_GrossLoansAndAdvancesToCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MemorandumItemsAxis=san_CustomerFundsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MemorandumItemsAxis=san_CustomerFundsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MemorandumItemsAxis=san_DepositsCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MemorandumItemsAxis=san_DepositsCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MemorandumItemsAxis=ifrs-full_InvestmentFundsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MemorandumItemsAxis=ifrs-full_InvestmentFundsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SegmentItemsAxis=san_UnderlyingProfitItemsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SegmentItemsAxis=san_UnderlyingProfitItemsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=san_RetailAndCommercialBankingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=san_RetailAndCommercialBankingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentConsolidationItemsAxis=ifrs-full_OperatingSegmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentConsolidationItemsAxis=ifrs-full_OperatingSegmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=san_OpenbankSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=san_OpenbankSegmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=san_CorporateAndInvestmentBankingSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=san_CorporateAndInvestmentBankingSegmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=san_WealthManagementAndInsuranceSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=san_WealthManagementAndInsuranceSegmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=san_PaymentSolutionsSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=san_PaymentSolutionsSegmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=san_CorporateCenterMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>406
<FILENAME>R324.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Primary and secondary segments reporting - Schedule of condensed balance sheets and condensed income statements by secondary segments (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1">8 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Aug. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 300,026.0<span></span>
</td>
<td class="nump">&#8364; 283,497.0<span></span>
</td>
<td class="nump">&#8364; 243,203.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">42,348.0<span></span>
</td>
<td class="nump">43,787.0<span></span>
</td>
<td class="nump">40,650.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,976.0<span></span>
</td>
<td class="nump">12,376.0<span></span>
</td>
<td class="nump">11,495.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,362.0<span></span>
</td>
<td class="nump">2,211.0<span></span>
</td>
<td class="nump">2,565.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">625.0<span></span>
</td>
<td class="num">(331.0)<span></span>
</td>
<td class="num">(759.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">58,311.0<span></span>
</td>
<td class="nump">58,043.0<span></span>
</td>
<td class="nump">53,951.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">33,532.0<span></span>
</td>
<td class="nump">32,828.0<span></span>
</td>
<td class="nump">29,267.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(12,596.0)<span></span>
</td>
<td class="num">(12,183.0)<span></span>
</td>
<td class="num">(12,260.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2,255.0)<span></span>
</td>
<td class="num">(3,298.0)<span></span>
</td>
<td class="num">(2,002.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="nump">&#8364; 6,193.0<span></span>
</td>
<td class="nump">18,681.0<span></span>
</td>
<td class="nump">17,347.0<span></span>
</td>
<td class="nump">15,005.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="num">&#8364; (635.0)<span></span>
</td>
<td class="num">(4,723.0)<span></span>
</td>
<td class="num">(4,844.0)<span></span>
</td>
<td class="num">(3,880.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,958.0<span></span>
</td>
<td class="nump">12,503.0<span></span>
</td>
<td class="nump">11,125.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,542.0<span></span>
</td>
<td class="nump">1,241.0<span></span>
</td>
<td class="nump">1,058.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">15,500.0<span></span>
</td>
<td class="nump">13,744.0<span></span>
</td>
<td class="nump">12,183.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,399.0)<span></span>
</td>
<td class="num">(1,170.0)<span></span>
</td>
<td class="num">(1,107.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">14,101.0<span></span>
</td>
<td class="nump">12,574.0<span></span>
</td>
<td class="nump">11,076.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersExcludingPolandDisposalMember', window );">Customer deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,005,605.0<span></span>
</td>
<td class="nump">1,002,669.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,041,200.0<span></span>
</td>
<td class="nump">1,055,936.0<span></span>
</td>
<td class="nump">1,047,169.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersExcludingPolandDisposalMember', window );">Loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,017,160.0<span></span>
</td>
<td class="nump">1,003,465.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,037,288.0<span></span>
</td>
<td class="nump">1,054,069.0<span></span>
</td>
<td class="nump">1,036,349.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItemsAxis=san_GrossLoansAndAdvancesToCustomersMember', window );">Gross loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">984,466.0<span></span>
</td>
<td class="nump">978,961.0<span></span>
</td>
<td class="nump">981,192.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItemsAxis=san_CustomerFundsMember', window );">Customers funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,199,798.0<span></span>
</td>
<td class="nump">1,154,759.0<span></span>
</td>
<td class="nump">1,127,503.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItemsAxis=san_DepositsCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">944,409.0<span></span>
</td>
<td class="nump">927,533.0<span></span>
</td>
<td class="nump">923,884.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItemsAxis=ifrs-full_InvestmentFundsMember', window );">Investment funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItems', window );">Memorandum items</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">255,389.0<span></span>
</td>
<td class="nump">227,226.0<span></span>
</td>
<td class="nump">203,618.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SegmentItemsAxis=san_UnderlyingProfitItemsMember', window );">Underlying results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">42,401.0<span></span>
</td>
<td class="nump">43,824.0<span></span>
</td>
<td class="nump">40,718.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,928.0<span></span>
</td>
<td class="nump">12,335.0<span></span>
</td>
<td class="nump">11,468.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,354.0<span></span>
</td>
<td class="nump">2,216.0<span></span>
</td>
<td class="nump">2,566.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">625.0<span></span>
</td>
<td class="num">(391.0)<span></span>
</td>
<td class="num">(812.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">58,308.0<span></span>
</td>
<td class="nump">57,984.0<span></span>
</td>
<td class="nump">53,940.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalCostSegmentReporting', window );">Total Costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(26,410.0)<span></span>
</td>
<td class="num">(27,354.0)<span></span>
</td>
<td class="num">(26,501.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">31,898.0<span></span>
</td>
<td class="nump">30,630.0<span></span>
</td>
<td class="nump">27,439.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(12,128.0)<span></span>
</td>
<td class="num">(11,822.0)<span></span>
</td>
<td class="num">(11,784.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(834.0)<span></span>
</td>
<td class="num">(1,431.0)<span></span>
</td>
<td class="num">(350.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">18,936.0<span></span>
</td>
<td class="nump">17,377.0<span></span>
</td>
<td class="nump">15,305.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(4,939.0)<span></span>
</td>
<td class="num">(4,853.0)<span></span>
</td>
<td class="num">(4,112.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,997.0<span></span>
</td>
<td class="nump">12,524.0<span></span>
</td>
<td class="nump">11,193.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,997.0<span></span>
</td>
<td class="nump">12,524.0<span></span>
</td>
<td class="nump">11,193.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(845.0)<span></span>
</td>
<td class="num">(750.0)<span></span>
</td>
<td class="num">(791.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,152.0<span></span>
</td>
<td class="nump">11,774.0<span></span>
</td>
<td class="nump">10,402.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks', window );">Provision (release) of provision corresponding to results from commitments and contingent risks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">50.0<span></span>
</td>
<td class="nump">47.0<span></span>
</td>
<td class="num">(38.0)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_ES', window );">Spain | Customer deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">323,425.0<span></span>
</td>
<td class="nump">324,099.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_ES', window );">Spain | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">354,943.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_ES', window );">Spain | Loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">246,897.0<span></span>
</td>
<td class="nump">239,214.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_ES', window );">Spain | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">264,950.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_ES', window );">Spain | Gross loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">237,385.0<span></span>
</td>
<td class="nump">225,759.0<span></span>
</td>
<td class="nump">229,803.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_ES', window );">Spain | Customers funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">429,464.0<span></span>
</td>
<td class="nump">399,999.0<span></span>
</td>
<td class="nump">386,810.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_ES', window );">Spain | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">322,070.0<span></span>
</td>
<td class="nump">306,389.0<span></span>
</td>
<td class="nump">308,745.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_ES', window );">Spain | Investment funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItems', window );">Memorandum items</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">107,394.0<span></span>
</td>
<td class="nump">93,609.0<span></span>
</td>
<td class="nump">78,065.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_ES', window );">Spain | Underlying results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,305.0<span></span>
</td>
<td class="nump">7,256.0<span></span>
</td>
<td class="nump">6,641.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,022.0<span></span>
</td>
<td class="nump">2,867.0<span></span>
</td>
<td class="nump">2,699.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">841.0<span></span>
</td>
<td class="nump">1,100.0<span></span>
</td>
<td class="nump">688.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">720.0<span></span>
</td>
<td class="nump">358.0<span></span>
</td>
<td class="num">(190.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">11,887.0<span></span>
</td>
<td class="nump">11,580.0<span></span>
</td>
<td class="nump">9,837.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalCostSegmentReporting', window );">Total Costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(4,465.0)<span></span>
</td>
<td class="num">(4,509.0)<span></span>
</td>
<td class="num">(4,815.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,423.0<span></span>
</td>
<td class="nump">7,071.0<span></span>
</td>
<td class="nump">5,022.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,142.0)<span></span>
</td>
<td class="num">(1,259.0)<span></span>
</td>
<td class="num">(1,522.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(198.0)<span></span>
</td>
<td class="num">(372.0)<span></span>
</td>
<td class="num">(100.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6,083.0<span></span>
</td>
<td class="nump">5,440.0<span></span>
</td>
<td class="nump">3,399.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,811.0)<span></span>
</td>
<td class="num">(1,678.0)<span></span>
</td>
<td class="num">(1,029.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,272.0<span></span>
</td>
<td class="nump">3,763.0<span></span>
</td>
<td class="nump">2,371.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,272.0<span></span>
</td>
<td class="nump">3,763.0<span></span>
</td>
<td class="nump">2,371.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,272.0<span></span>
</td>
<td class="nump">3,762.0<span></span>
</td>
<td class="nump">2,371.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_GB', window );">United Kingdom | Customer deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">230,408.0<span></span>
</td>
<td class="nump">233,453.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_GB', window );">United Kingdom | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">225,708.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_GB', window );">United Kingdom | Loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">246,453.0<span></span>
</td>
<td class="nump">245,743.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_GB', window );">United Kingdom | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">242,624.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_GB', window );">United Kingdom | Gross loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">228,273.0<span></span>
</td>
<td class="nump">236,496.0<span></span>
</td>
<td class="nump">235,111.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_GB', window );">United Kingdom | Customers funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">227,160.0<span></span>
</td>
<td class="nump">230,479.0<span></span>
</td>
<td class="nump">231,667.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_GB', window );">United Kingdom | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">219,440.0<span></span>
</td>
<td class="nump">222,835.0<span></span>
</td>
<td class="nump">224,396.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_GB', window );">United Kingdom | Investment funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItems', window );">Memorandum items</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,719.0<span></span>
</td>
<td class="nump">7,643.0<span></span>
</td>
<td class="nump">7,272.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_GB', window );">United Kingdom | Underlying results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,008.0<span></span>
</td>
<td class="nump">4,950.0<span></span>
</td>
<td class="nump">5,152.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">369.0<span></span>
</td>
<td class="nump">283.0<span></span>
</td>
<td class="nump">338.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(100.0)<span></span>
</td>
<td class="num">(18.0)<span></span>
</td>
<td class="nump">29.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(245.0)<span></span>
</td>
<td class="num">(203.0)<span></span>
</td>
<td class="num">(162.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,032.0<span></span>
</td>
<td class="nump">5,011.0<span></span>
</td>
<td class="nump">5,358.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalCostSegmentReporting', window );">Total Costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2,937.0)<span></span>
</td>
<td class="num">(3,050.0)<span></span>
</td>
<td class="num">(2,928.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,095.0<span></span>
</td>
<td class="nump">1,962.0<span></span>
</td>
<td class="nump">2,430.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(177.0)<span></span>
</td>
<td class="num">(64.0)<span></span>
</td>
<td class="num">(247.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(124.0)<span></span>
</td>
<td class="num">(104.0)<span></span>
</td>
<td class="num">(75.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,794.0<span></span>
</td>
<td class="nump">1,794.0<span></span>
</td>
<td class="nump">2,107.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(486.0)<span></span>
</td>
<td class="num">(488.0)<span></span>
</td>
<td class="num">(563.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,307.0<span></span>
</td>
<td class="nump">1,306.0<span></span>
</td>
<td class="nump">1,545.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,307.0<span></span>
</td>
<td class="nump">1,306.0<span></span>
</td>
<td class="nump">1,545.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,307.0<span></span>
</td>
<td class="nump">1,306.0<span></span>
</td>
<td class="nump">1,545.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_PT', window );">Portugal | Customer deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">38,304.0<span></span>
</td>
<td class="nump">36,366.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_PT', window );">Portugal | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">40,576.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_PT', window );">Portugal | Loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">38,410.0<span></span>
</td>
<td class="nump">36,864.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_PT', window );">Portugal | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">41,260.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_PT', window );">Portugal | Gross loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">41,980.0<span></span>
</td>
<td class="nump">39,143.0<span></span>
</td>
<td class="nump">37,658.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_PT', window );">Portugal | Customers funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">46,201.0<span></span>
</td>
<td class="nump">43,186.0<span></span>
</td>
<td class="nump">40,618.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_PT', window );">Portugal | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">40,576.0<span></span>
</td>
<td class="nump">38,304.0<span></span>
</td>
<td class="nump">36,366.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_PT', window );">Portugal | Investment funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItems', window );">Memorandum items</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,625.0<span></span>
</td>
<td class="nump">4,882.0<span></span>
</td>
<td class="nump">4,252.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_PT', window );">Portugal | Underlying results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,346.0<span></span>
</td>
<td class="nump">1,548.0<span></span>
</td>
<td class="nump">1,465.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">506.0<span></span>
</td>
<td class="nump">467.0<span></span>
</td>
<td class="nump">464.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">70.0<span></span>
</td>
<td class="nump">45.0<span></span>
</td>
<td class="nump">33.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">33.0<span></span>
</td>
<td class="nump">5.0<span></span>
</td>
<td class="num">(17.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,956.0<span></span>
</td>
<td class="nump">2,065.0<span></span>
</td>
<td class="nump">1,944.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalCostSegmentReporting', window );">Total Costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(544.0)<span></span>
</td>
<td class="num">(574.0)<span></span>
</td>
<td class="num">(567.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,412.0<span></span>
</td>
<td class="nump">1,492.0<span></span>
</td>
<td class="nump">1,378.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8.0<span></span>
</td>
<td class="num">(11.0)<span></span>
</td>
<td class="num">(77.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(3.0)<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">14.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,417.0<span></span>
</td>
<td class="nump">1,481.0<span></span>
</td>
<td class="nump">1,314.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(405.0)<span></span>
</td>
<td class="num">(478.0)<span></span>
</td>
<td class="num">(416.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,011.0<span></span>
</td>
<td class="nump">1,003.0<span></span>
</td>
<td class="nump">898.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,011.0<span></span>
</td>
<td class="nump">1,003.0<span></span>
</td>
<td class="nump">898.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2.0)<span></span>
</td>
<td class="num">(2.0)<span></span>
</td>
<td class="num">(2.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,010.0<span></span>
</td>
<td class="nump">1,001.0<span></span>
</td>
<td class="nump">896.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankEuropeMember', window );">Openbank Europe | Customer deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">81,376.0<span></span>
</td>
<td class="nump">69,334.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankEuropeMember', window );">Openbank Europe | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">82,359.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankEuropeMember', window );">Openbank Europe | Loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">137,038.0<span></span>
</td>
<td class="nump">132,692.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankEuropeMember', window );">Openbank Europe | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">139,322.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankEuropeMember', window );">Openbank Europe | Gross loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">142,477.0<span></span>
</td>
<td class="nump">139,927.0<span></span>
</td>
<td class="nump">135,202.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankEuropeMember', window );">Openbank Europe | Customers funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">87,559.0<span></span>
</td>
<td class="nump">85,876.0<span></span>
</td>
<td class="nump">72,963.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankEuropeMember', window );">Openbank Europe | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">82,359.0<span></span>
</td>
<td class="nump">81,376.0<span></span>
</td>
<td class="nump">69,334.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankEuropeMember', window );">Openbank Europe | Investment funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItems', window );">Memorandum items</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,200.0<span></span>
</td>
<td class="nump">4,500.0<span></span>
</td>
<td class="nump">3,629.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankEuropeMember', window );">Openbank Europe | Underlying results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,685.0<span></span>
</td>
<td class="nump">4,361.0<span></span>
</td>
<td class="nump">4,193.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">804.0<span></span>
</td>
<td class="nump">902.0<span></span>
</td>
<td class="nump">796.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(39.0)<span></span>
</td>
<td class="num">(24.0)<span></span>
</td>
<td class="nump">117.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">474.0<span></span>
</td>
<td class="nump">405.0<span></span>
</td>
<td class="nump">375.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,925.0<span></span>
</td>
<td class="nump">5,644.0<span></span>
</td>
<td class="nump">5,481.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalCostSegmentReporting', window );">Total Costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2,899.0)<span></span>
</td>
<td class="num">(2,848.0)<span></span>
</td>
<td class="num">(2,751.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,026.0<span></span>
</td>
<td class="nump">2,796.0<span></span>
</td>
<td class="nump">2,730.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,363.0)<span></span>
</td>
<td class="num">(1,209.0)<span></span>
</td>
<td class="num">(792.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(266.0)<span></span>
</td>
<td class="num">(456.0)<span></span>
</td>
<td class="nump">82.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,398.0<span></span>
</td>
<td class="nump">1,131.0<span></span>
</td>
<td class="nump">2,019.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(322.0)<span></span>
</td>
<td class="num">(255.0)<span></span>
</td>
<td class="num">(493.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,076.0<span></span>
</td>
<td class="nump">876.0<span></span>
</td>
<td class="nump">1,526.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,076.0<span></span>
</td>
<td class="nump">876.0<span></span>
</td>
<td class="nump">1,526.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(304.0)<span></span>
</td>
<td class="num">(234.0)<span></span>
</td>
<td class="num">(327.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">772.0<span></span>
</td>
<td class="nump">642.0<span></span>
</td>
<td class="nump">1,199.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_US', window );">United States | Customer deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">125,403.0<span></span>
</td>
<td class="nump">121,782.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_US', window );">United States | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">122,000.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_US', window );">United States | Loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">134,856.0<span></span>
</td>
<td class="nump">126,843.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_US', window );">United States | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">132,659.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_US', window );">United States | Gross loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">108,950.0<span></span>
</td>
<td class="nump">117,511.0<span></span>
</td>
<td class="nump">112,671.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_US', window );">United States | Customers funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">103,178.0<span></span>
</td>
<td class="nump">108,246.0<span></span>
</td>
<td class="nump">108,062.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_US', window );">United States | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">87,686.0<span></span>
</td>
<td class="nump">93,545.0<span></span>
</td>
<td class="nump">95,697.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_US', window );">United States | Investment funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItems', window );">Memorandum items</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">15,492.0<span></span>
</td>
<td class="nump">14,702.0<span></span>
</td>
<td class="nump">12,364.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_US', window );">United States | Underlying results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,888.0<span></span>
</td>
<td class="nump">5,693.0<span></span>
</td>
<td class="nump">5,742.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,328.0<span></span>
</td>
<td class="nump">1,152.0<span></span>
</td>
<td class="nump">766.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">547.0<span></span>
</td>
<td class="nump">371.0<span></span>
</td>
<td class="nump">294.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">165.0<span></span>
</td>
<td class="nump">365.0<span></span>
</td>
<td class="nump">406.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,929.0<span></span>
</td>
<td class="nump">7,580.0<span></span>
</td>
<td class="nump">7,209.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalCostSegmentReporting', window );">Total Costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(3,890.0)<span></span>
</td>
<td class="num">(3,965.0)<span></span>
</td>
<td class="num">(3,707.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,039.0<span></span>
</td>
<td class="nump">3,615.0<span></span>
</td>
<td class="nump">3,502.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2,244.0)<span></span>
</td>
<td class="num">(2,507.0)<span></span>
</td>
<td class="num">(2,593.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(47.0)<span></span>
</td>
<td class="num">(55.0)<span></span>
</td>
<td class="num">(46.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,748.0<span></span>
</td>
<td class="nump">1,053.0<span></span>
</td>
<td class="nump">863.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(207.0)<span></span>
</td>
<td class="nump">56.0<span></span>
</td>
<td class="nump">69.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,541.0<span></span>
</td>
<td class="nump">1,109.0<span></span>
</td>
<td class="nump">932.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,541.0<span></span>
</td>
<td class="nump">1,109.0<span></span>
</td>
<td class="nump">932.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,541.0<span></span>
</td>
<td class="nump">1,109.0<span></span>
</td>
<td class="nump">932.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_MX', window );">Mexico | Customer deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">49,836.0<span></span>
</td>
<td class="nump">53,703.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_MX', window );">Mexico | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">55,595.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_MX', window );">Mexico | Loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">45,054.0<span></span>
</td>
<td class="nump">47,905.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_MX', window );">Mexico | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">48,083.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_MX', window );">Mexico | Gross loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">49,442.0<span></span>
</td>
<td class="nump">44,715.0<span></span>
</td>
<td class="nump">48,688.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_MX', window );">Mexico | Customers funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">68,201.0<span></span>
</td>
<td class="nump">61,160.0<span></span>
</td>
<td class="nump">62,775.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_MX', window );">Mexico | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">45,498.0<span></span>
</td>
<td class="nump">41,528.0<span></span>
</td>
<td class="nump">45,693.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_MX', window );">Mexico | Investment funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItems', window );">Memorandum items</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">22,703.0<span></span>
</td>
<td class="nump">19,632.0<span></span>
</td>
<td class="nump">17,082.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_MX', window );">Mexico | Underlying results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,554.0<span></span>
</td>
<td class="nump">4,631.0<span></span>
</td>
<td class="nump">4,408.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,454.0<span></span>
</td>
<td class="nump">1,385.0<span></span>
</td>
<td class="nump">1,374.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">427.0<span></span>
</td>
<td class="nump">396.0<span></span>
</td>
<td class="nump">211.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(130.0)<span></span>
</td>
<td class="num">(133.0)<span></span>
</td>
<td class="num">(94.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6,305.0<span></span>
</td>
<td class="nump">6,278.0<span></span>
</td>
<td class="nump">5,899.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalCostSegmentReporting', window );">Total Costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2,730.0)<span></span>
</td>
<td class="num">(2,727.0)<span></span>
</td>
<td class="num">(2,645.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,575.0<span></span>
</td>
<td class="nump">3,551.0<span></span>
</td>
<td class="nump">3,254.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,239.0)<span></span>
</td>
<td class="num">(1,277.0)<span></span>
</td>
<td class="num">(1,135.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,336.0<span></span>
</td>
<td class="nump">2,274.0<span></span>
</td>
<td class="nump">2,119.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(627.0)<span></span>
</td>
<td class="num">(598.0)<span></span>
</td>
<td class="num">(541.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,709.0<span></span>
</td>
<td class="nump">1,676.0<span></span>
</td>
<td class="nump">1,577.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,709.0<span></span>
</td>
<td class="nump">1,676.0<span></span>
</td>
<td class="nump">1,577.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(4.0)<span></span>
</td>
<td class="num">(5.0)<span></span>
</td>
<td class="num">(17.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,705.0<span></span>
</td>
<td class="nump">1,671.0<span></span>
</td>
<td class="nump">1,560.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_BR', window );">Brazil | Customer deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">93,994.0<span></span>
</td>
<td class="nump">110,162.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_BR', window );">Brazil | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">92,256.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_BR', window );">Brazil | Loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">88,620.0<span></span>
</td>
<td class="nump">96,399.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_BR', window );">Brazil | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">87,653.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_BR', window );">Brazil | Gross loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">93,030.0<span></span>
</td>
<td class="nump">93,785.0<span></span>
</td>
<td class="nump">102,583.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_BR', window );">Brazil | Customers funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">132,580.0<span></span>
</td>
<td class="nump">129,881.0<span></span>
</td>
<td class="nump">145,044.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_BR', window );">Brazil | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">80,449.0<span></span>
</td>
<td class="nump">81,378.0<span></span>
</td>
<td class="nump">90,297.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_BR', window );">Brazil | Investment funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItems', window );">Memorandum items</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">52,132.0<span></span>
</td>
<td class="nump">48,503.0<span></span>
</td>
<td class="nump">54,747.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_BR', window );">Brazil | Underlying results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9,380.0<span></span>
</td>
<td class="nump">10,121.0<span></span>
</td>
<td class="nump">9,116.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,193.0<span></span>
</td>
<td class="nump">3,414.0<span></span>
</td>
<td class="nump">3,462.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(64.0)<span></span>
</td>
<td class="num">(37.0)<span></span>
</td>
<td class="nump">483.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">93.0<span></span>
</td>
<td class="nump">39.0<span></span>
</td>
<td class="nump">43.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,602.0<span></span>
</td>
<td class="nump">13,536.0<span></span>
</td>
<td class="nump">13,104.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalCostSegmentReporting', window );">Total Costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(4,957.0)<span></span>
</td>
<td class="num">(5,219.0)<span></span>
</td>
<td class="num">(5,430.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,645.0<span></span>
</td>
<td class="nump">8,318.0<span></span>
</td>
<td class="nump">7,674.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(4,409.0)<span></span>
</td>
<td class="num">(4,487.0)<span></span>
</td>
<td class="num">(4,701.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(11.0)<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="num">(62.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,224.0<span></span>
</td>
<td class="nump">3,830.0<span></span>
</td>
<td class="nump">2,911.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(836.0)<span></span>
</td>
<td class="num">(1,165.0)<span></span>
</td>
<td class="num">(776.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,388.0<span></span>
</td>
<td class="nump">2,665.0<span></span>
</td>
<td class="nump">2,135.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,388.0<span></span>
</td>
<td class="nump">2,665.0<span></span>
</td>
<td class="nump">2,135.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(220.0)<span></span>
</td>
<td class="num">(243.0)<span></span>
</td>
<td class="num">(215.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,168.0<span></span>
</td>
<td class="nump">2,422.0<span></span>
</td>
<td class="nump">1,921.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_CL', window );">Chile | Customer deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">30,181.0<span></span>
</td>
<td class="nump">29,578.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_CL', window );">Chile | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">29,503.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_CL', window );">Chile | Loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">40,332.0<span></span>
</td>
<td class="nump">42,616.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_CL', window );">Chile | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">39,924.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_CL', window );">Chile | Gross loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">40,986.0<span></span>
</td>
<td class="nump">41,405.0<span></span>
</td>
<td class="nump">43,823.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_CL', window );">Chile | Customers funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">42,256.0<span></span>
</td>
<td class="nump">43,383.0<span></span>
</td>
<td class="nump">40,098.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_CL', window );">Chile | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">28,293.0<span></span>
</td>
<td class="nump">30,060.0<span></span>
</td>
<td class="nump">29,337.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_CL', window );">Chile | Investment funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItems', window );">Memorandum items</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,963.0<span></span>
</td>
<td class="nump">13,324.0<span></span>
</td>
<td class="nump">10,761.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_CL', window );">Chile | Underlying results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,917.0<span></span>
</td>
<td class="nump">1,822.0<span></span>
</td>
<td class="nump">1,383.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">582.0<span></span>
</td>
<td class="nump">551.0<span></span>
</td>
<td class="nump">572.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">230.0<span></span>
</td>
<td class="nump">238.0<span></span>
</td>
<td class="nump">320.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(15.0)<span></span>
</td>
<td class="num">(18.0)<span></span>
</td>
<td class="nump">11.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,714.0<span></span>
</td>
<td class="nump">2,592.0<span></span>
</td>
<td class="nump">2,285.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalCostSegmentReporting', window );">Total Costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(919.0)<span></span>
</td>
<td class="num">(942.0)<span></span>
</td>
<td class="num">(953.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,795.0<span></span>
</td>
<td class="nump">1,650.0<span></span>
</td>
<td class="nump">1,332.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(531.0)<span></span>
</td>
<td class="num">(497.0)<span></span>
</td>
<td class="num">(365.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(32.0)<span></span>
</td>
<td class="num">(42.0)<span></span>
</td>
<td class="num">(16.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,232.0<span></span>
</td>
<td class="nump">1,111.0<span></span>
</td>
<td class="nump">951.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(189.0)<span></span>
</td>
<td class="num">(211.0)<span></span>
</td>
<td class="num">(135.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,043.0<span></span>
</td>
<td class="nump">899.0<span></span>
</td>
<td class="nump">816.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,043.0<span></span>
</td>
<td class="nump">899.0<span></span>
</td>
<td class="nump">816.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(314.0)<span></span>
</td>
<td class="num">(271.0)<span></span>
</td>
<td class="num">(234.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">729.0<span></span>
</td>
<td class="nump">629.0<span></span>
</td>
<td class="nump">582.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_AR', window );">Argentina | Customer deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">11,293.0<span></span>
</td>
<td class="nump">6,478.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_AR', window );">Argentina | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9,959.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_AR', window );">Argentina | Loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,684.0<span></span>
</td>
<td class="nump">3,767.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_AR', window );">Argentina | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,032.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_AR', window );">Argentina | Gross loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,611.0<span></span>
</td>
<td class="nump">7,938.0<span></span>
</td>
<td class="nump">3,878.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_AR', window );">Argentina | Customers funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">15,894.0<span></span>
</td>
<td class="nump">17,047.0<span></span>
</td>
<td class="nump">10,288.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_AR', window );">Argentina | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9,959.0<span></span>
</td>
<td class="nump">11,293.0<span></span>
</td>
<td class="nump">6,478.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_AR', window );">Argentina | Investment funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItems', window );">Memorandum items</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,934.0<span></span>
</td>
<td class="nump">5,754.0<span></span>
</td>
<td class="nump">3,810.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_AR', window );">Argentina | Underlying results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,727.0<span></span>
</td>
<td class="nump">2,919.0<span></span>
</td>
<td class="nump">1,879.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">788.0<span></span>
</td>
<td class="nump">602.0<span></span>
</td>
<td class="nump">396.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">229.0<span></span>
</td>
<td class="nump">229.0<span></span>
</td>
<td class="nump">341.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(510.0)<span></span>
</td>
<td class="num">(1,263.0)<span></span>
</td>
<td class="num">(1,071.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,235.0<span></span>
</td>
<td class="nump">2,487.0<span></span>
</td>
<td class="nump">1,544.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalCostSegmentReporting', window );">Total Costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(978.0)<span></span>
</td>
<td class="num">(1,337.0)<span></span>
</td>
<td class="num">(831.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,257.0<span></span>
</td>
<td class="nump">1,150.0<span></span>
</td>
<td class="nump">713.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(574.0)<span></span>
</td>
<td class="num">(284.0)<span></span>
</td>
<td class="num">(150.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(33.0)<span></span>
</td>
<td class="num">(39.0)<span></span>
</td>
<td class="num">(58.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">650.0<span></span>
</td>
<td class="nump">827.0<span></span>
</td>
<td class="nump">505.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(216.0)<span></span>
</td>
<td class="num">(161.0)<span></span>
</td>
<td class="num">(117.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">434.0<span></span>
</td>
<td class="nump">666.0<span></span>
</td>
<td class="nump">388.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">434.0<span></span>
</td>
<td class="nump">666.0<span></span>
</td>
<td class="nump">388.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1.0)<span></span>
</td>
<td class="num">(1.0)<span></span>
</td>
<td class="num">(2.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">433.0<span></span>
</td>
<td class="nump">665.0<span></span>
</td>
<td class="nump">386.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Customer deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,430.0<span></span>
</td>
<td class="nump">1,508.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,387.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6,911.0<span></span>
</td>
<td class="nump">6,531.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,465.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Gross loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,537.0<span></span>
</td>
<td class="nump">6,997.0<span></span>
</td>
<td class="nump">6,608.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Customers funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,387.0<span></span>
</td>
<td class="nump">1,299.0<span></span>
</td>
<td class="nump">1,508.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,387.0<span></span>
</td>
<td class="nump">1,299.0<span></span>
</td>
<td class="nump">1,508.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Investment funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItems', window );">Memorandum items</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Underlying results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(490.0)<span></span>
</td>
<td class="num">(308.0)<span></span>
</td>
<td class="num">(41.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(27.0)<span></span>
</td>
<td class="num">(11.0)<span></span>
</td>
<td class="num">(13.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(82.0)<span></span>
</td>
<td class="num">(408.0)<span></span>
</td>
<td class="num">(302.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">14.0<span></span>
</td>
<td class="nump">47.0<span></span>
</td>
<td class="num">(86.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(585.0)<span></span>
</td>
<td class="num">(680.0)<span></span>
</td>
<td class="num">(442.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalCostSegmentReporting', window );">Total Costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(417.0)<span></span>
</td>
<td class="num">(540.0)<span></span>
</td>
<td class="num">(460.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,003.0)<span></span>
</td>
<td class="num">(1,220.0)<span></span>
</td>
<td class="num">(901.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(198.0)<span></span>
</td>
<td class="nump">3.0<span></span>
</td>
<td class="nump">2.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(75.0)<span></span>
</td>
<td class="num">(99.0)<span></span>
</td>
<td class="num">(62.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,275.0)<span></span>
</td>
<td class="num">(1,317.0)<span></span>
</td>
<td class="num">(961.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">190.0<span></span>
</td>
<td class="nump">162.0<span></span>
</td>
<td class="num">(36.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,085.0)<span></span>
</td>
<td class="num">(1,155.0)<span></span>
</td>
<td class="num">(998.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,085.0)<span></span>
</td>
<td class="num">(1,155.0)<span></span>
</td>
<td class="num">(998.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">1.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,085.0)<span></span>
</td>
<td class="num">(1,154.0)<span></span>
</td>
<td class="num">(998.0)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_RestOfTheGroupMember', window );">Rest of the Group | Customer deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">19,955.0<span></span>
</td>
<td class="nump">16,207.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_RestOfTheGroupMember', window );">Rest of the Group | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">26,913.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_RestOfTheGroupMember', window );">Rest of the Group | Loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">24,905.0<span></span>
</td>
<td class="nump">24,892.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_RestOfTheGroupMember', window );">Rest of the Group | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">25,315.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_RestOfTheGroupMember', window );">Rest of the Group | Gross loans and advances to customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">25,796.0<span></span>
</td>
<td class="nump">25,285.0<span></span>
</td>
<td class="nump">25,164.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_RestOfTheGroupMember', window );">Rest of the Group | Customers funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">45,916.0<span></span>
</td>
<td class="nump">34,204.0<span></span>
</td>
<td class="nump">27,670.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_RestOfTheGroupMember', window );">Rest of the Group | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilities', window );">Financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">26,691.0<span></span>
</td>
<td class="nump">19,527.0<span></span>
</td>
<td class="nump">16,034.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_RestOfTheGroupMember', window );">Rest of the Group | Investment funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_StatementOfFinancialPositionAbstract', window );"><strong>Balance sheet (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MemorandumItems', window );">Memorandum items</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">19,225.0<span></span>
</td>
<td class="nump">14,677.0<span></span>
</td>
<td class="nump">11,636.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_RestOfTheGroupMember', window );">Rest of the Group | Underlying results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Underlying income statement (condensed)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,080.0<span></span>
</td>
<td class="nump">832.0<span></span>
</td>
<td class="nump">780.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">908.0<span></span>
</td>
<td class="nump">722.0<span></span>
</td>
<td class="nump">615.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">296.0<span></span>
</td>
<td class="nump">326.0<span></span>
</td>
<td class="nump">353.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">25.0<span></span>
</td>
<td class="nump">9.0<span></span>
</td>
<td class="num">(26.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,309.0<span></span>
</td>
<td class="nump">1,889.0<span></span>
</td>
<td class="nump">1,721.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalCostSegmentReporting', window );">Total Costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,676.0)<span></span>
</td>
<td class="num">(1,643.0)<span></span>
</td>
<td class="num">(1,415.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">634.0<span></span>
</td>
<td class="nump">246.0<span></span>
</td>
<td class="nump">306.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(260.0)<span></span>
</td>
<td class="num">(230.0)<span></span>
</td>
<td class="num">(203.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(45.0)<span></span>
</td>
<td class="num">(263.0)<span></span>
</td>
<td class="num">(25.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">328.0<span></span>
</td>
<td class="num">(248.0)<span></span>
</td>
<td class="nump">77.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(29.0)<span></span>
</td>
<td class="num">(37.0)<span></span>
</td>
<td class="num">(75.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">300.0<span></span>
</td>
<td class="num">(285.0)<span></span>
</td>
<td class="nump">2.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">300.0<span></span>
</td>
<td class="num">(285.0)<span></span>
</td>
<td class="nump">2.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.0<span></span>
</td>
<td class="nump">5.0<span></span>
</td>
<td class="nump">7.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 300.0<span></span>
</td>
<td class="num">&#8364; (280.0)<span></span>
</td>
<td class="nump">&#8364; 9.0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FeeAndCommissionIncomeExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FeeAndCommissionIncomeExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that are: (a) a contractual obligation: (i) to deliver cash or another financial asset to another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially unfavourable to the entity; or (b) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to deliver a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose, rights, options or warrants to acquire a fixed number of the entity&#8217;s own equity instruments for a fixed amount of any currency are equity instruments if the entity offers the rights, options or warrants pro rata to all of its existing owners of the same class of its own non-derivative equity instruments. Also, for those purposes the entity&#8217;s own equity instruments do not include puttable financial instruments that are classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. As an exception, an instrument that meets the definition of a financial liability is classified as an equity instrument if it has all the features and meets the conditions in paragraphs 16A-16B or paragraphs 16C-16D of IAS 32. [Refer: Classes of financial instruments [domain]; Financial assets; Derivatives [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GrossProfit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GrossProfit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeStatementAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeStatementAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxExpenseContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph b<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_b_viii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 79<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_79&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_g&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 192<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_192&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 192<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_192&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxExpenseContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestRevenueExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestRevenueExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherGainsLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherGainsLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses from continuing and discontinued operations, excluding the components of other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 113<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing and discontinued operations attributable to non-controlling interests. [Refer: Profit (loss); Non-controlling interests]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 12<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_12_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81B<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81B_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToNoncontrollingInterests</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossAttributableToOwnersOfParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing and discontinued operations attributable to owners of the parent. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81B<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81B_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToOwnersOfParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing operations. [Refer: Continuing operations, unless line item indicates otherwise [member]; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_vi&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause vii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_vii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 98<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_98_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph ea<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_ea&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_StatementOfFinancialPositionAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_StatementOfFinancialPositionAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net amount of impairment and reversal of impairment on financial assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MemorandumItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Memorandum Items</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MemorandumItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NetOperatingIncomeExpenseSegmentReporting">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net Operating Income (Expense), Segment Reporting</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NetOperatingIncomeExpenseSegmentReporting</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherNonFinancialGainsLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other non-financial gains (losses).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherNonFinancialGainsLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherOperatingIncomeExpenseSegmentReporting">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other operating income (expense) used for segment reporting, which includes dividend income, income from companies using the equity method, other operating income, other operating expense, and income and expense under insurance and reinsurance contracts.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherOperatingIncomeExpenseSegmentReporting</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Provision (Release) Corresponding To Results From Commitments And Contingent Risks</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TotalCostSegmentReporting">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Total Cost, Segment Reporting</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TotalCostSegmentReporting</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersExcludingPolandDisposalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersExcludingPolandDisposalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersExcludingPolandDisposalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersExcludingPolandDisposalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MemorandumItemsAxis=san_GrossLoansAndAdvancesToCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MemorandumItemsAxis=san_GrossLoansAndAdvancesToCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MemorandumItemsAxis=san_CustomerFundsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MemorandumItemsAxis=san_CustomerFundsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MemorandumItemsAxis=san_DepositsCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MemorandumItemsAxis=san_DepositsCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MemorandumItemsAxis=ifrs-full_InvestmentFundsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MemorandumItemsAxis=ifrs-full_InvestmentFundsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SegmentItemsAxis=san_UnderlyingProfitItemsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SegmentItemsAxis=san_UnderlyingProfitItemsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=country_ES">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=country_ES</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=country_GB">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=country_GB</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=country_PT">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=country_PT</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=san_OpenbankEuropeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=san_OpenbankEuropeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=country_US</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=country_MX</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=country_BR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=country_BR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=country_CL">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=country_CL</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=country_AR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=country_AR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=san_CorporateCenterMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=san_RestOfTheGroupMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=san_RestOfTheGroupMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>407
<FILENAME>R325.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Primary and secondary segments reporting - Schedule of reconciliation of consolidated profit after tax to operating profit before tax (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1">8 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Aug. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Reconciliation of statutory results to underlying results</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 42,348.0<span></span>
</td>
<td class="nump">&#8364; 43,787.0<span></span>
</td>
<td class="nump">&#8364; 40,650.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,976.0<span></span>
</td>
<td class="nump">12,376.0<span></span>
</td>
<td class="nump">11,495.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,362.0<span></span>
</td>
<td class="nump">2,211.0<span></span>
</td>
<td class="nump">2,565.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">625.0<span></span>
</td>
<td class="num">(331.0)<span></span>
</td>
<td class="num">(759.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">58,311.0<span></span>
</td>
<td class="nump">58,043.0<span></span>
</td>
<td class="nump">53,951.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdministrativeExpensesDepreciationAndAmortisation', window );">Administrative expenses, depreciation and amortisation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(24,779.0)<span></span>
</td>
<td class="num">(25,215.0)<span></span>
</td>
<td class="num">(24,684.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingCostSegmentReporting', window );">Other operating costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">33,532.0<span></span>
</td>
<td class="nump">32,828.0<span></span>
</td>
<td class="nump">29,267.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(12,596.0)<span></span>
</td>
<td class="num">(12,183.0)<span></span>
</td>
<td class="num">(12,260.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2,255.0)<span></span>
</td>
<td class="num">(3,298.0)<span></span>
</td>
<td class="num">(2,002.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="nump">&#8364; 6,193.0<span></span>
</td>
<td class="nump">18,681.0<span></span>
</td>
<td class="nump">17,347.0<span></span>
</td>
<td class="nump">15,005.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="num">&#8364; (635.0)<span></span>
</td>
<td class="num">(4,723.0)<span></span>
</td>
<td class="num">(4,844.0)<span></span>
</td>
<td class="num">(3,880.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,958.0<span></span>
</td>
<td class="nump">12,503.0<span></span>
</td>
<td class="nump">11,125.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit from discontinued operations (net)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,542.0<span></span>
</td>
<td class="nump">1,241.0<span></span>
</td>
<td class="nump">1,058.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">15,500.0<span></span>
</td>
<td class="nump">13,744.0<span></span>
</td>
<td class="nump">12,183.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,399.0)<span></span>
</td>
<td class="num">(1,170.0)<span></span>
</td>
<td class="num">(1,107.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">14,101.0<span></span>
</td>
<td class="nump">12,574.0<span></span>
</td>
<td class="nump">11,076.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SegmentItemsAxis=san_AdjustmentDueToPolandDisposalMember', window );">Adjustments related to the Poland disposal</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Reconciliation of statutory results to underlying results</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">53.0<span></span>
</td>
<td class="nump">37.0<span></span>
</td>
<td class="nump">68.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(48.0)<span></span>
</td>
<td class="num">(41.0)<span></span>
</td>
<td class="num">(27.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(8.0)<span></span>
</td>
<td class="nump">5.0<span></span>
</td>
<td class="nump">1.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="num">(60.0)<span></span>
</td>
<td class="num">(53.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(3.0)<span></span>
</td>
<td class="num">(59.0)<span></span>
</td>
<td class="num">(11.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdministrativeExpensesDepreciationAndAmortisation', window );">Administrative expenses, depreciation and amortisation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">22.0<span></span>
</td>
<td class="nump">80.0<span></span>
</td>
<td class="nump">69.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingCostSegmentReporting', window );">Other operating costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">19.0<span></span>
</td>
<td class="nump">21.0<span></span>
</td>
<td class="nump">58.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.0<span></span>
</td>
<td class="nump">9.0<span></span>
</td>
<td class="nump">2.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1.0)<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">1.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">19.0<span></span>
</td>
<td class="nump">30.0<span></span>
</td>
<td class="nump">61.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(6.0)<span></span>
</td>
<td class="num">(9.0)<span></span>
</td>
<td class="num">(19.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13.0<span></span>
</td>
<td class="nump">21.0<span></span>
</td>
<td class="nump">42.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit from discontinued operations (net)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,542.0)<span></span>
</td>
<td class="num">(1,241.0)<span></span>
</td>
<td class="num">(1,058.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,529.0)<span></span>
</td>
<td class="num">(1,220.0)<span></span>
</td>
<td class="num">(1,016.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">580.0<span></span>
</td>
<td class="nump">420.0<span></span>
</td>
<td class="nump">342.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(949.0)<span></span>
</td>
<td class="num">(800.0)<span></span>
</td>
<td class="num">(674.0)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SegmentItemsAxis=ifrs-full_MaterialReconcilingItemsMember', window );">Other adjustments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Reconciliation of statutory results to underlying results</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdministrativeExpensesDepreciationAndAmortisation', window );">Administrative expenses, depreciation and amortisation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingCostSegmentReporting', window );">Other operating costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,653.0)<span></span>
</td>
<td class="nump">2,219.0<span></span>
</td>
<td class="num">(1,886.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,653.0)<span></span>
</td>
<td class="num">(2,219.0)<span></span>
</td>
<td class="num">(1,886.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">467.0<span></span>
</td>
<td class="nump">352.0<span></span>
</td>
<td class="nump">474.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,422.0<span></span>
</td>
<td class="nump">1,867.0<span></span>
</td>
<td class="nump">1,651.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">236.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">239.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(210.0)<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="num">(213.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">26.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">26.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit from discontinued operations (net)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">26.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">26.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(26.0)<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="num">(26.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SegmentItemsAxis=san_UnderlyingProfitItemsMember', window );">Underlying results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Reconciliation of statutory results to underlying results</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">Net interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">42,401.0<span></span>
</td>
<td class="nump">43,824.0<span></span>
</td>
<td class="nump">40,718.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpense', window );">Net fee income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,928.0<span></span>
</td>
<td class="nump">12,335.0<span></span>
</td>
<td class="nump">11,468.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherGainsLosses', window );">Gains (losses) on financial transactions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,354.0<span></span>
</td>
<td class="nump">2,216.0<span></span>
</td>
<td class="nump">2,566.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncomeExpenseSegmentReporting', window );">Other operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">625.0<span></span>
</td>
<td class="num">(391.0)<span></span>
</td>
<td class="num">(812.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Total income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">58,308.0<span></span>
</td>
<td class="nump">57,984.0<span></span>
</td>
<td class="nump">53,940.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdministrativeExpensesDepreciationAndAmortisation', window );">Administrative expenses, depreciation and amortisation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(24,757.0)<span></span>
</td>
<td class="num">(25,135.0)<span></span>
</td>
<td class="num">(24,615.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingCostSegmentReporting', window );">Other operating costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,653.0)<span></span>
</td>
<td class="nump">2,219.0<span></span>
</td>
<td class="num">(1,886.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetOperatingIncomeExpenseSegmentReporting', window );">Net operating income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">31,898.0<span></span>
</td>
<td class="nump">30,630.0<span></span>
</td>
<td class="nump">27,439.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Net loan-loss provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(12,128.0)<span></span>
</td>
<td class="num">(11,822.0)<span></span>
</td>
<td class="num">(11,784.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherNonFinancialGainsLosses', window );">Other gains (losses) and provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(834.0)<span></span>
</td>
<td class="num">(1,431.0)<span></span>
</td>
<td class="num">(350.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">18,936.0<span></span>
</td>
<td class="nump">17,377.0<span></span>
</td>
<td class="nump">15,305.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax on profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(4,939.0)<span></span>
</td>
<td class="num">(4,853.0)<span></span>
</td>
<td class="num">(4,112.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Profit/(loss) from continuing operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,997.0<span></span>
</td>
<td class="nump">12,524.0<span></span>
</td>
<td class="nump">11,193.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit from discontinued operations (net)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,997.0<span></span>
</td>
<td class="nump">12,524.0<span></span>
</td>
<td class="nump">11,193.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(845.0)<span></span>
</td>
<td class="num">(750.0)<span></span>
</td>
<td class="num">(791.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Underlying profit attributable to the parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,152.0<span></span>
</td>
<td class="nump">11,774.0<span></span>
</td>
<td class="nump">10,402.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks', window );">Provision (release) of provision corresponding to results from commitments and contingent risks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 50.0<span></span>
</td>
<td class="nump">&#8364; 47.0<span></span>
</td>
<td class="num">&#8364; (38.0)<span></span>
</td>
</tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FeeAndCommissionIncomeExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GrossProfit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GrossProfit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeStatementAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeStatementAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxExpenseContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph b<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_b_viii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 79<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_79&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_g&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 192<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_192&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 192<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_192&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxExpenseContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestRevenueExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 85<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestRevenueExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherGainsLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherGainsLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses from continuing and discontinued operations, excluding the components of other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 113<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing and discontinued operations attributable to non-controlling interests. [Refer: Profit (loss); Non-controlling interests]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 12<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_12_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81B<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81B_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToNoncontrollingInterests</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossAttributableToOwnersOfParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing and discontinued operations attributable to owners of the parent. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81B<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81B_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToOwnersOfParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing operations. [Refer: Continuing operations, unless line item indicates otherwise [member]; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_vi&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause vii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_vii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 98<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_98_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph ea<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_ea&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AdministrativeExpensesDepreciationAndAmortisation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of administrative expense and depreciation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AdministrativeExpensesDepreciationAndAmortisation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net amount of impairment and reversal of impairment on financial assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NetOperatingIncomeExpenseSegmentReporting">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net Operating Income (Expense), Segment Reporting</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NetOperatingIncomeExpenseSegmentReporting</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherNonFinancialGainsLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other non-financial gains (losses).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherNonFinancialGainsLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherOperatingCostSegmentReporting">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Operating Cost, Segment Reporting</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherOperatingCostSegmentReporting</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherOperatingIncomeExpenseSegmentReporting">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other operating income (expense) used for segment reporting, which includes dividend income, income from companies using the equity method, other operating income, other operating expense, and income and expense under insurance and reinsurance contracts.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherOperatingIncomeExpenseSegmentReporting</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Provision (Release) Corresponding To Results From Commitments And Contingent Risks</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SegmentItemsAxis=san_AdjustmentDueToPolandDisposalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SegmentItemsAxis=san_AdjustmentDueToPolandDisposalMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SegmentItemsAxis=ifrs-full_MaterialReconcilingItemsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SegmentItemsAxis=ifrs-full_MaterialReconcilingItemsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SegmentItemsAxis=san_UnderlyingProfitItemsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Primary and secondary segments reporting - Schedule of reconciliation of consolidated profit after tax to operating profit before tax, narrative (Details)<br> &#8364; in Millions, &#163; in Millions</strong></div></th>
<th class="th" colspan="1">8 Months Ended</th>
<th class="th" colspan="4">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th">
<div>Aug. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>GBP (&#163;)</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th"><div>Dec. 19, 2024</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOperatingSegmentsLineItems', window );"><strong>Disclosure of operating segments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ExpenseOfRestructuringActivities', window );">Expense of restructuring activities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 620.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 835.0<span></span>
</td>
<td class="nump">&#8364; 385.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Impairment and reversal of impairment on financial assets, net</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,596.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,183.0<span></span>
</td>
<td class="nump">12,260.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Gross profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">58,311.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">58,043.0<span></span>
</td>
<td class="nump">53,951.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax expense (income)</a></td>
<td class="nump">&#8364; 635.0<span></span>
</td>
<td class="nump">4,723.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,844.0<span></span>
</td>
<td class="nump">3,880.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit/(loss) attributable to non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,399.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,170.0<span></span>
</td>
<td class="nump">1,107.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsOnDisposalsOfInvestments', window );">Gains on disposals of investments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">17.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">360.0<span></span>
</td>
<td class="nump">285.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisposalGroupNameAxis=san_MerchantPlatformInGermanyAndSuperdigitalInLatinAmericaMember', window );">Merchant Platform in Germany and Superdigital in Latin America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOperatingSegmentsLineItems', window );"><strong>Disclosure of operating segments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainLossRecognisedOnMeasurementToFairValueLessCostsToSellOrOnDisposalOfAssetsOrDisposalGroupsConstitutingDiscontinuedOperation', window );">Gain (loss) recognised on measurement to fair value less costs to sell or on disposal of assets or disposal groups constituting discontinued operation</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(243.0)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_BrazilAndOpenbankSegmentMember', window );">Brazil And Openbank Segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOperatingSegmentsLineItems', window );"><strong>Disclosure of operating segments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsOnDisposalsOfInvestments', window );">Gains on disposals of investments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">270.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">United Kingdom | Financial Conduct Authority (FCA) Review of The Vehicle Finance Market | Other provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOperatingSegmentsLineItems', window );"><strong>Disclosure of operating segments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseInExistingProvisionsOtherProvisions', window );">Increase in existing provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">214.0<span></span>
</td>
<td class="nump">&#163; 183<span></span>
</td>
<td class="nump">353.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SegmentItemsAxis=ifrs-full_MaterialReconcilingItemsMember', window );">Other adjustments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOperatingSegmentsLineItems', window );"><strong>Disclosure of operating segments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Impairment and reversal of impairment on financial assets, net</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(467.0)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(352.0)<span></span>
</td>
<td class="num">(474.0)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Gross profit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax expense (income)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">210.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">213.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit/(loss) attributable to non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">26.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
<td class="nump">26.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SegmentItemsAxis=ifrs-full_MaterialReconcilingItemsMember', window );">Other adjustments | Brazil</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOperatingSegmentsLineItems', window );"><strong>Disclosure of operating segments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet', window );">Impairment and reversal of impairment on financial assets, net</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">467.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">352.0<span></span>
</td>
<td class="num">(474.0)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoanLossProvisionsNetOfTaxesAndMinorityInterest', window );">Loan loss provisions, net of taxes and minority interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">231.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 174.0<span></span>
</td>
<td class="nump">235.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax expense (income)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(213.0)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit/(loss) attributable to non-controlling interests</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">&#8364; (26.0)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CaceisMember', window );">Caceis (Notes 3 and 12)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfOperatingSegmentsLineItems', window );"><strong>Disclosure of operating segments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations', window );">Gains (losses) on noncurrent assets held for sale not classified as discontinued operations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 231.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProportionOfOwnershipInterestInAssociateSold', window );">Proportion of ownership interest in associate, sold (in percentage)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">30.50%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfOperatingSegmentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfOperatingSegmentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ExpenseOfRestructuringActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 98<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_98_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ExpenseOfRestructuringActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainLossRecognisedOnMeasurementToFairValueLessCostsToSellOrOnDisposalOfAssetsOrDisposalGroupsConstitutingDiscontinuedOperation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph b<br> -Clause iii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_b_iii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainLossRecognisedOnMeasurementToFairValueLessCostsToSellOrOnDisposalOfAssetsOrDisposalGroupsConstitutingDiscontinuedOperation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsOnDisposalsOfInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gain on the disposal of investments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 98<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_98_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsOnDisposalsOfInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GrossProfit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GrossProfit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxExpenseContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph b<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_b_viii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 79<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_79&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_g&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 192<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_192&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 192<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_192&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxExpenseContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseInExistingProvisionsOtherProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase in existing other provisions. [Refer: Other provisions]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 37<br> -IssueDate 2025-01-01<br> -Paragraph 84<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_84_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 257<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_257_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 257<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_257_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseInExistingProvisionsOtherProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing and discontinued operations attributable to non-controlling interests. [Refer: Profit (loss); Non-controlling interests]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 12<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_12_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81B<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81B_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToNoncontrollingInterests</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains (Losses) On Noncurrent Assets Held For Sale Not Classified As Discontinued Operations</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net amount of impairment and reversal of impairment on financial assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LoanLossProvisionsNetOfTaxesAndMinorityInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loan Loss Provisions, Net Of Taxes And Minority Interest</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LoanLossProvisionsNetOfTaxesAndMinorityInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ProportionOfOwnershipInterestInAssociateSold">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Proportion Of Ownership Interest In Associate, Sold</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ProportionOfOwnershipInterestInAssociateSold</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisposalGroupNameAxis=san_MerchantPlatformInGermanyAndSuperdigitalInLatinAmericaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisposalGroupNameAxis=san_MerchantPlatformInGermanyAndSuperdigitalInLatinAmericaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=san_BrazilAndOpenbankSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=san_BrazilAndOpenbankSegmentMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_GB">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_GB</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_LitigationCaseAxis=san_FinancialConductAuthorityFCAReviewOfTheVehicleFinanceMarketMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_LitigationCaseAxis=san_FinancialConductAuthorityFCAReviewOfTheVehicleFinanceMarketMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfProvisionsAxis=san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfProvisionsAxis=san_ProvisionsForTaxesAndOtherLegalContingenciesAndOtherProvisionsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SegmentItemsAxis=ifrs-full_MaterialReconcilingItemsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SegmentItemsAxis=ifrs-full_MaterialReconcilingItemsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_BR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_BR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CaceisMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInAssociatesAxis=san_CaceisMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Related parties (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AssociatesAndJointVenturesMember', window );">Associates and&#160;joint ventures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">&#8364; 10,491<span></span>
</td>
<td class="nump">&#8364; 10,783<span></span>
</td>
<td class="nump">&#8364; 10,497<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesRelatedPartyTransactions', window );">Liabilities</a></td>
<td class="nump">2,978<span></span>
</td>
<td class="nump">3,243<span></span>
</td>
<td class="nump">2,480<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProfitLossRelatedParty', window );">Income statement</a></td>
<td class="nump">1,724<span></span>
</td>
<td class="nump">1,776<span></span>
</td>
<td class="nump">1,698<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinanceIncomeRelatedPartyTransactions', window );">Interest income</a></td>
<td class="nump">441<span></span>
</td>
<td class="nump">508<span></span>
</td>
<td class="nump">427<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinanceCostRelatedPartyTransactions', window );">Interest expense</a></td>
<td class="num">(119)<span></span>
</td>
<td class="num">(153)<span></span>
</td>
<td class="num">(149)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesAndOthersRelatedPartyTransactions', window );">Gains/losses on financial assets and liabilities and others</a></td>
<td class="num">(53)<span></span>
</td>
<td class="num">(11)<span></span>
</td>
<td class="nump">43<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommissionIncomeRelatedPartyTransactions', window );">Commission income</a></td>
<td class="nump">1,546<span></span>
</td>
<td class="nump">1,535<span></span>
</td>
<td class="nump">1,499<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommissionExpenseRelatedPartyTransactions', window );">Commission expense</a></td>
<td class="num">(91)<span></span>
</td>
<td class="num">(103)<span></span>
</td>
<td class="num">(122)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherRelatedPartyTransactions', window );">Other</a></td>
<td class="nump">3,732<span></span>
</td>
<td class="nump">4,712<span></span>
</td>
<td class="nump">4,189<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ContingentLiabilitiesAndOthersRelatedPartyTransactions', window );">Financial guarantees granted and Others</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">18<span></span>
</td>
<td class="nump">10<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OutstandingCommitmentsMadeByEntityRelatedPartyTransactions', window );">Loan commitments and Other commitments granted</a></td>
<td class="nump">335<span></span>
</td>
<td class="nump">317<span></span>
</td>
<td class="nump">274<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DerivativeFinancialInstrumentsRelatedPartyTransactions', window );">Derivative financial instruments</a></td>
<td class="nump">3,386<span></span>
</td>
<td class="nump">4,377<span></span>
</td>
<td class="nump">3,905<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AssociatesAndJointVenturesMember', window );">Associates and&#160;joint ventures | Financial liabilities: credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesRelatedPartyTransactions', window );">Liabilities</a></td>
<td class="nump">26<span></span>
</td>
<td class="nump">228<span></span>
</td>
<td class="nump">463<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AssociatesAndJointVenturesMember', window );">Associates and&#160;joint ventures | Financial liabilities: customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesRelatedPartyTransactions', window );">Liabilities</a></td>
<td class="nump">2,761<span></span>
</td>
<td class="nump">2,810<span></span>
</td>
<td class="nump">1,727<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AssociatesAndJointVenturesMember', window );">Associates and&#160;joint ventures | Marketable debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesRelatedPartyTransactions', window );">Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AssociatesAndJointVenturesMember', window );">Associates and&#160;joint ventures | Others</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesRelatedPartyTransactions', window );">Liabilities</a></td>
<td class="nump">191<span></span>
</td>
<td class="nump">205<span></span>
</td>
<td class="nump">290<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AssociatesAndJointVenturesMember', window );">Associates and&#160;joint ventures | Cash, cash balances at central banks and other deposits on demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">163<span></span>
</td>
<td class="nump">154<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AssociatesAndJointVenturesMember', window );">Associates and&#160;joint ventures | Loans and advances: credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">286<span></span>
</td>
<td class="nump">407<span></span>
</td>
<td class="nump">405<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AssociatesAndJointVenturesMember', window );">Associates and&#160;joint ventures | Loans and advances: customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">9,835<span></span>
</td>
<td class="nump">9,750<span></span>
</td>
<td class="nump">9,275<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AssociatesAndJointVenturesMember', window );">Associates and&#160;joint ventures | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">160<span></span>
</td>
<td class="nump">229<span></span>
</td>
<td class="nump">391<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AssociatesAndJointVenturesMember', window );">Associates and&#160;joint ventures | Others</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">208<span></span>
</td>
<td class="nump">234<span></span>
</td>
<td class="nump">272<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Members of the board of directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesRelatedPartyTransactions', window );">Liabilities</a></td>
<td class="nump">10<span></span>
</td>
<td class="nump">9<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProfitLossRelatedParty', window );">Income statement</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinanceIncomeRelatedPartyTransactions', window );">Interest income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinanceCostRelatedPartyTransactions', window );">Interest expense</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesAndOthersRelatedPartyTransactions', window );">Gains/losses on financial assets and liabilities and others</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommissionIncomeRelatedPartyTransactions', window );">Commission income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommissionExpenseRelatedPartyTransactions', window );">Commission expense</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherRelatedPartyTransactions', window );">Other</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ContingentLiabilitiesAndOthersRelatedPartyTransactions', window );">Financial guarantees granted and Others</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OutstandingCommitmentsMadeByEntityRelatedPartyTransactions', window );">Loan commitments and Other commitments granted</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DerivativeFinancialInstrumentsRelatedPartyTransactions', window );">Derivative financial instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Members of the board of directors | Financial liabilities: credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesRelatedPartyTransactions', window );">Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Members of the board of directors | Financial liabilities: customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesRelatedPartyTransactions', window );">Liabilities</a></td>
<td class="nump">10<span></span>
</td>
<td class="nump">9<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Members of the board of directors | Marketable debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesRelatedPartyTransactions', window );">Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Members of the board of directors | Others</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesRelatedPartyTransactions', window );">Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Members of the board of directors | Cash, cash balances at central banks and other deposits on demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Members of the board of directors | Loans and advances: credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Members of the board of directors | Loans and advances: customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Members of the board of directors | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember', window );">Members of the board of directors | Others</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Senior Management</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">18<span></span>
</td>
<td class="nump">14<span></span>
</td>
<td class="nump">12<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesRelatedPartyTransactions', window );">Liabilities</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProfitLossRelatedParty', window );">Income statement</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinanceIncomeRelatedPartyTransactions', window );">Interest income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinanceCostRelatedPartyTransactions', window );">Interest expense</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesAndOthersRelatedPartyTransactions', window );">Gains/losses on financial assets and liabilities and others</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommissionIncomeRelatedPartyTransactions', window );">Commission income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommissionExpenseRelatedPartyTransactions', window );">Commission expense</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherRelatedPartyTransactions', window );">Other</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ContingentLiabilitiesAndOthersRelatedPartyTransactions', window );">Financial guarantees granted and Others</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OutstandingCommitmentsMadeByEntityRelatedPartyTransactions', window );">Loan commitments and Other commitments granted</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DerivativeFinancialInstrumentsRelatedPartyTransactions', window );">Derivative financial instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Senior Management | Financial liabilities: credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesRelatedPartyTransactions', window );">Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Senior Management | Financial liabilities: customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesRelatedPartyTransactions', window );">Liabilities</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Senior Management | Marketable debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesRelatedPartyTransactions', window );">Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Senior Management | Others</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesRelatedPartyTransactions', window );">Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Senior Management | Cash, cash balances at central banks and other deposits on demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Senior Management | Loans and advances: credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Senior Management | Loans and advances: customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">18<span></span>
</td>
<td class="nump">14<span></span>
</td>
<td class="nump">12<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Senior Management | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember', window );">Senior Management | Others</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=ifrs-full_OtherRelatedPartiesMember', window );">Other related parties</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">295<span></span>
</td>
<td class="nump">226<span></span>
</td>
<td class="nump">186<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesRelatedPartyTransactions', window );">Liabilities</a></td>
<td class="nump">376<span></span>
</td>
<td class="nump">292<span></span>
</td>
<td class="nump">150<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProfitLossRelatedParty', window );">Income statement</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="nump">11<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinanceIncomeRelatedPartyTransactions', window );">Interest income</a></td>
<td class="nump">8<span></span>
</td>
<td class="nump">9<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinanceCostRelatedPartyTransactions', window );">Interest expense</a></td>
<td class="num">(4)<span></span>
</td>
<td class="num">(5)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesAndOthersRelatedPartyTransactions', window );">Gains/losses on financial assets and liabilities and others</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommissionIncomeRelatedPartyTransactions', window );">Commission income</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommissionExpenseRelatedPartyTransactions', window );">Commission expense</a></td>
<td class="num">(1)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherRelatedPartyTransactions', window );">Other</a></td>
<td class="nump">189<span></span>
</td>
<td class="nump">216<span></span>
</td>
<td class="nump">1,094<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ContingentLiabilitiesAndOthersRelatedPartyTransactions', window );">Financial guarantees granted and Others</a></td>
<td class="nump">61<span></span>
</td>
<td class="nump">64<span></span>
</td>
<td class="nump">861<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OutstandingCommitmentsMadeByEntityRelatedPartyTransactions', window );">Loan commitments and Other commitments granted</a></td>
<td class="nump">38<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DerivativeFinancialInstrumentsRelatedPartyTransactions', window );">Derivative financial instruments</a></td>
<td class="nump">90<span></span>
</td>
<td class="nump">132<span></span>
</td>
<td class="nump">224<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=ifrs-full_OtherRelatedPartiesMember', window );">Other related parties | Financial liabilities: credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesRelatedPartyTransactions', window );">Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=ifrs-full_OtherRelatedPartiesMember', window );">Other related parties | Financial liabilities: customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesRelatedPartyTransactions', window );">Liabilities</a></td>
<td class="nump">376<span></span>
</td>
<td class="nump">292<span></span>
</td>
<td class="nump">150<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=ifrs-full_OtherRelatedPartiesMember', window );">Other related parties | Marketable debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesRelatedPartyTransactions', window );">Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=ifrs-full_OtherRelatedPartiesMember', window );">Other related parties | Others</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiabilitiesRelatedPartyTransactions', window );">Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=ifrs-full_OtherRelatedPartiesMember', window );">Other related parties | Cash, cash balances at central banks and other deposits on demand</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=ifrs-full_OtherRelatedPartiesMember', window );">Other related parties | Loans and advances: credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=ifrs-full_OtherRelatedPartiesMember', window );">Other related parties | Loans and advances: customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">274<span></span>
</td>
<td class="nump">221<span></span>
</td>
<td class="nump">185<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=ifrs-full_OtherRelatedPartiesMember', window );">Other related parties | Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=ifrs-full_OtherRelatedPartiesMember', window );">Other related parties | Others</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure of transactions between related parties [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsRelatedPartyTransactions', window );">Assets</a></td>
<td class="nump">&#8364; 19<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OutstandingCommitmentsMadeByEntityRelatedPartyTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of outstanding commitments made by the entity in related party transactions. [Refer: Total for all related parties [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 24<br> -IssueDate 2025-01-01<br> -Paragraph 18<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=24&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_18_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 230<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_230_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 230<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_230_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OutstandingCommitmentsMadeByEntityRelatedPartyTransactions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AssetsRelatedPartyTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets attributable to related party transactions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AssetsRelatedPartyTransactions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CommissionExpenseRelatedPartyTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of commission expense attributable to related party transactions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CommissionExpenseRelatedPartyTransactions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CommissionIncomeRelatedPartyTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of commission income attributable to related party transactions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CommissionIncomeRelatedPartyTransactions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ContingentLiabilitiesAndOthersRelatedPartyTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of contingent liabilities and other resulting from related party transactions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ContingentLiabilitiesAndOthersRelatedPartyTransactions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DerivativeFinancialInstrumentsRelatedPartyTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The derivative financial instruments resulting from related party transactions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DerivativeFinancialInstrumentsRelatedPartyTransactions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_FinanceCostRelatedPartyTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of finance costs incurred by the entity in related party transactions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FinanceCostRelatedPartyTransactions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_FinanceIncomeRelatedPartyTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of finance income recognized by the entity in related party transactions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FinanceIncomeRelatedPartyTransactions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GainsLossesOnFinancialAssetsAndLiabilitiesAndOthersRelatedPartyTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of gains or losses on financial assets and liabilities and others attributable to related party transactions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesOnFinancialAssetsAndLiabilitiesAndOthersRelatedPartyTransactions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LiabilitiesRelatedPartyTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities attributable to related party transactions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LiabilitiesRelatedPartyTransactions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherRelatedPartyTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of related-party transactions classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherRelatedPartyTransactions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ProfitLossRelatedParty">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) before tax expense or income, attributable to related party transactions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ProfitLossRelatedParty</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=san_AssociatesAndJointVenturesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_AssociatesAndJointVenturesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCreditInstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DepositsCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_DebtInstrumentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialLiabilitiesAxis=san_OtherFinancialLiabilitiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_CashCashBalanceAtCentralBanksAndOtherDepositsOnDemandMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_CashCashBalanceAtCentralBanksAndOtherDepositsOnDemandMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCreditInstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_OtherFinancialAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_OtherFinancialAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=srt_DirectorMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=san_SeniorManagementMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=ifrs-full_OtherRelatedPartiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<DOCUMENT>
<TYPE>XML
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<FILENAME>R328.htm
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<TEXT>
<html>
<head>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Risk management - Risk principles and culture (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2025 </div>
<div>linesOfDefense</div>
</th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RiskManagementAbstract', window );"><strong>Risk Management [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RiskManagementAndControlModelNumberOfLinesOfDefense', window );">Risk management and control model, number of lines of defense</a></td>
<td class="nump">3<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RiskManagementAbstract</td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RiskManagementAndControlModelNumberOfLinesOfDefense">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of lines of defense which form the base of the risk management and control model.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RiskManagementAndControlModelNumberOfLinesOfDefense</td>
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<td>duration</td>
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</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>411
<FILENAME>R329.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Risk management - Credit risk (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;) </div>
<div>tranches </div>
<div>customer </div>
<div>line_of_business </div>
<div>scenario </div>
<div>stage</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfTotalProvisions', window );">Percentage of total provisions for the most relevant units of the Group</a></td>
<td class="nump">94.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 888,496<span></span>
</td>
<td class="nump">&#8364; 908,963<span></span>
</td>
<td class="nump">&#8364; 914,491<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">300,026<span></span>
</td>
<td class="nump">283,497<span></span>
</td>
<td class="nump">243,203<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentAccountedForUsingEquityMethod', window );">Investments</a></td>
<td class="nump">&#8364; 7,052<span></span>
</td>
<td class="nump">7,277<span></span>
</td>
<td class="nump">7,646<span></span>
</td>
<td class="nump">&#8364; 7,615<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfBusinessLinesCommercialSegment', window );">Number of business lines, commercial segment | line_of_business</a></td>
<td class="nump">7<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExposureToCreditRiskNumberOfTranches', window );">Number of tranches | tranches</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForborneLoanPortfolioAmount', window );">Forbearance portfolio</a></td>
<td class="nump">&#8364; 25,235<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForborneLoansPerformingCriteriaNumberOfDaysPastDue', window );">Performing loans, number of days past due criteria</a></td>
<td class="text">90 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesAmortisedCostBeforeModification', window );">Financial assets with contractual cash flows modified during reporting period while loss allowance measured at lifetime expected credit losses</a></td>
<td class="nump">&#8364; 3,031<span></span>
</td>
<td class="nump">3,940<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsWithModifiedContractualCashFlowsWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesForWhichLossAllowanceChangedDuringReportingPeriodTo12monthExpectedCreditLossesGrossCarryingAmount', window );">Financial assets with modified contractual cash flows while loss allowance measured at lifetime expected credit losses</a></td>
<td class="nump">&#8364; 2,092<span></span>
</td>
<td class="nump">2,950<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MajorCustomersAxis=san_LargeExposureCustomersMember', window );">"Large Exposures" Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfGroups', window );">Number of largest groups | customer</a></td>
<td class="nump">20<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MajorCustomersAxis=san_LargeExposureCustomersTopFortyMember', window );">"Large Exposures" Customers, top 40</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfGroups', window );">Number of largest groups | customer</a></td>
<td class="nump">40<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 222,346<span></span>
</td>
<td class="nump">236,850<span></span>
</td>
<td class="nump">235,344<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfProspectiveMacroeconomicScenarios', window );">Number of prospective macroeconomic scenarios | scenario</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProbabilityOfDefaultPercentageIncreaseFromInitialRecognition', window );">PD percentage increase from initial recognition</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk', window );">Minimum period of irregular positions to consider significant increase in risk</a></td>
<td class="text">30 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExposureToCreditRiskNumberOfTranches', window );">Number of tranches | tranches</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EvolutionProjectionPeriod', window );">Evolution projection period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_GB', window );">United Kingdom</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">&#8364; 244,303<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfTotalPortfolioAtRisk', window );">Percent at risk</a></td>
<td class="nump">21.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">Non-performing rate</a></td>
<td class="nump">1.08%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseInNonPerformingLoansRatio', window );">Percentage decrease in non-performing loans ratio</a></td>
<td class="nump">0.25%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_GB', window );">United Kingdom | Santander UK plc</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">Non-performing rate</a></td>
<td class="nump">0.87%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseInNonPerformingLoansRatio', window );">Percentage decrease in non-performing loans ratio</a></td>
<td class="nump">0.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_GB', window );">United Kingdom | Securitised mortgage assets | Santander UK plc</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InterestOnlyLoansMortgagePortfolioPercentage', window );">Interest only loans, mortgage portfolio, percentage</a></td>
<td class="nump">21.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoanToValueRatio', window );">Loan-to-value (LTV) ratio</a></td>
<td class="nump">50.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FlexibleLoansMortgagePortfolioPercentage', window );">Flexible loans, mortgage portfolio, percentage</a></td>
<td class="nump">2.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_BuyToLetMortgagesMortgagePortfolioPercentage', window );">Buy to let mortgages, mortgage portfolio, percentage</a></td>
<td class="nump">9.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent', window );">Percentage of portfolio with LTV less than defined percent</a></td>
<td class="nump">82.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_GB', window );">United Kingdom | Securitised mortgage assets | Santander UK plc | LTV less than 70% | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoanToValueRatio', window );">Loan-to-value (LTV) ratio</a></td>
<td class="nump">70.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=srt_NorthAmericaMember', window );">Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditExposurePercentage', window );">Credit exposure percentage</a></td>
<td class="nump">12.80%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">&#8364; (520)<span></span>
</td>
<td class="num">(349)<span></span>
</td>
<td class="num">(286)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | United Kingdom | Securitised mortgage assets | Santander UK plc</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">192,047<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherGeographicalUnitsMember', window );">Other units</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">93,731<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=san_OtherGeographicalUnitsMember', window );">Other units | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(759)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">201,013<span></span>
</td>
<td class="nump">198,936<span></span>
</td>
<td class="nump">205,994<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">&#8364; 305,156<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfTotalPortfolioAtRisk', window );">Percent at risk</a></td>
<td class="nump">26.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">Non-performing rate</a></td>
<td class="nump">1.94%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseInNonPerformingLoansRatio', window );">Percentage decrease in non-performing loans ratio</a></td>
<td class="nump">0.72%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk', window );">Minimum period of irregular positions to consider significant increase in risk</a></td>
<td class="text">30 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingCoverageRatio', window );">Coverage rate</a></td>
<td class="nump">55.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInNonPerformingCoverageRatioPercent', window );">Increase (decrease) in nonperforming coverage ratio</a></td>
<td class="nump">0.02%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of credit (in percent)</a></td>
<td class="nump">0.43%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfDecreaseInCostOfCredit', window );">Decrease in cost of credit</a></td>
<td class="nump">0.07%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ICOLoanGrantedAsResultOfThePandemic', window );">ICO loans, granted as result of the pandemic</a></td>
<td class="nump">&#8364; 25,428<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ICOLoanPandemic', window );">ICO loans, pandemic</a></td>
<td class="nump">&#8364; 10,857<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ICOLoansPercentageOfTotalPortfolio', window );">ICO loans, percentage of total portfolio</a></td>
<td class="nump">3.60%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExposureToCreditRiskNumberOfTranches', window );">Number of tranches | tranches</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EvolutionProjectionPeriod', window );">Evolution projection period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Foreclosed properties</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">&#8364; 1,898<span></span>
</td>
<td class="nump">&#8364; 2,131<span></span>
</td>
<td class="nump">&#8364; 2,448<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentAccountedForUsingEquityMethod', window );">Investments</a></td>
<td class="nump">36<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Foreclosed equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentAccountedForUsingEquityMethod', window );">Investments</a></td>
<td class="nump">10<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | SMEs and Corporates</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">&#8364; 99,395<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfTotalPortfolioAtRisk', window );">Percent at risk</a></td>
<td class="nump">33.00%<span></span>
</td>
<td class="nump">41.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">Non-performing rate</a></td>
<td class="nump">4.10%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInPortfolioOfSME', window );">Decrease in portfolio of SMEs</a></td>
<td class="nump">10.10%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseInNonPerformingRatioPercent', window );">Decrease in non-performing ratio</a></td>
<td class="nump">0.97%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Property assets from home purchase mortgage loans to households</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">Non-performing rate</a></td>
<td class="nump">1.03%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseInNonPerformingLoansRatio', window );">Percentage decrease in non-performing loans ratio</a></td>
<td class="nump">0.29%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInResidentialMortgageCreditRiskPercentage', window );">Increase (decrease) in residential mortgage credit risk (in percentage)</a></td>
<td class="nump">1.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DebtToIncomeRatio', window );">Debt-to-income ratio</a></td>
<td class="nump">22.00%<span></span>
</td>
<td class="nump">24.00%<span></span>
</td>
<td class="nump">24.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Property assets from home purchase mortgage loans to households | Foreclosed properties</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">&#8364; 162<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Property assets from home purchase mortgage loans to households | Retail &amp; Commercial Banking</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent', window );">Percentage of portfolio with LTV less than defined percent</a></td>
<td class="nump">94.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Property assets from home purchase mortgage loans to households | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansPercentageSecuredByMortgage', window );">Percentage secured by mortgage</a></td>
<td class="nump">99.64%<span></span>
</td>
<td class="nump">99.65%<span></span>
</td>
<td class="nump">99.65%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Property assets from home purchase mortgage loans to households | Less than 80% | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoanToValueRatio', window );">Loan-to-value (LTV) ratio</a></td>
<td class="nump">80.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Construction and property development | Foreclosed properties</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">&#8364; 1,699<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Construction and property development | Real estate operations in Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">2,984<span></span>
</td>
<td class="nump">&#8364; 2,545<span></span>
</td>
<td class="nump">&#8364; 2,433<span></span>
</td>
<td class="nump">&#8364; 2,327<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">211<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Construction and property development | Credit impaired | Real estate operations in Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">Non-performing rate</a></td>
<td class="nump">1.04%<span></span>
</td>
<td class="nump">2.28%<span></span>
</td>
<td class="nump">3.04%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingCoverageRatio', window );">Coverage rate</a></td>
<td class="nump">35.48%<span></span>
</td>
<td class="nump">36.21%<span></span>
</td>
<td class="nump">39.19%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">&#8364; (1,086)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Accumulated impairment | Foreclosed properties</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">2,360<span></span>
</td>
<td class="nump">&#8364; 2,692<span></span>
</td>
<td class="nump">&#8364; 3,058<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Accumulated impairment | Property assets from home purchase mortgage loans to households | Foreclosed properties</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">172<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Accumulated impairment | Construction and property development | Foreclosed properties</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">2,144<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Gross carrying amount | Foreclosed properties</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">4,258<span></span>
</td>
<td class="nump">4,823<span></span>
</td>
<td class="nump">5,506<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Gross carrying amount | Real estate operations in Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">2,984<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Gross carrying amount | Of&#160;which property collateral | Real estate operations in Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">2,970<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Gross carrying amount | Property assets from home purchase mortgage loans to households</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">60,002<span></span>
</td>
<td class="nump">59,316<span></span>
</td>
<td class="nump">61,097<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Gross carrying amount | Property assets from home purchase mortgage loans to households | Foreclosed properties</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">334<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Gross carrying amount | Property assets from home purchase mortgage loans to households | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">625<span></span>
</td>
<td class="nump">789<span></span>
</td>
<td class="nump">924<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Gross carrying amount | Property assets from home purchase mortgage loans to households | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">59,787<span></span>
</td>
<td class="nump">59,108<span></span>
</td>
<td class="nump">60,882<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Gross carrying amount | Property assets from home purchase mortgage loans to households | Of&#160;which property collateral | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">618<span></span>
</td>
<td class="nump">778<span></span>
</td>
<td class="nump">908<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Gross carrying amount | Construction and property development | Foreclosed properties</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">3,843<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Gross carrying amount | Construction and property development | Real estate operations in Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">2,984<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Gross carrying amount | Construction and property development | Credit impaired | Real estate operations in Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 31<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Santander Bank, National Association</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExposureToCreditRiskNumberOfTranches', window );">Number of tranches | tranches</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">&#8364; 148,488<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">Non-performing rate</a></td>
<td class="nump">4.82%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of credit (in percent)</a></td>
<td class="nump">1.62%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseInNonPerformingLoansRatio', window );">Percentage increase in non-performing loans ratio</a></td>
<td class="nump">0.14%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfIncreaseDecreaseInCostOfCredit', window );">Percentage increase (decrease) in cost of credit</a></td>
<td class="num">(0.20%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Total North America | Santander Consumer USA Holdings Inc.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 25,204<span></span>
</td>
<td class="nump">30,669<span></span>
</td>
<td class="nump">28,877<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">Non-performing rate</a></td>
<td class="nump">22.08%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfProspectiveMacroeconomicScenarios', window );">Number of prospective macroeconomic scenarios | scenario</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk', window );">Minimum period of irregular positions to consider significant increase in risk</a></td>
<td class="text">30 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingCoverageRatio', window );">Coverage rate</a></td>
<td class="nump">53.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInNonPerformingCoverageRatioPercent', window );">Increase (decrease) in nonperforming coverage ratio</a></td>
<td class="num">(8.85%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of credit (in percent)</a></td>
<td class="nump">6.10%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfIncreaseDecreaseInCostOfCredit', window );">Percentage increase (decrease) in cost of credit</a></td>
<td class="num">(0.50%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExposureToCreditRiskLendingGuaranteesAndDocumentaryCredits', window );">Credit risk with customers</a></td>
<td class="nump">&#8364; 25,318<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LendingCreditRiskPercentageOfGroup', window );">Lending, credit risk percentage of group</a></td>
<td class="nump">2.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInLendingPercentage', window );">Percentage increase (decrease) in lending</a></td>
<td class="num">(17.00%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseInNonPerformingRatioPercent', window );">Percentage increase in nonperforming ratio</a></td>
<td class="nump">3.40%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExposureToCreditRiskNumberOfTranches', window );">Number of tranches | tranches</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EvolutionProjectionPeriod', window );">Evolution projection period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Total North America | Santander Bank, National Association</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 45,741<span></span>
</td>
<td class="nump">&#8364; 54,243<span></span>
</td>
<td class="nump">55,984<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">Non-performing rate</a></td>
<td class="nump">2.60%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfProspectiveMacroeconomicScenarios', window );">Number of prospective macroeconomic scenarios | scenario</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk', window );">Minimum period of irregular positions to consider significant increase in risk</a></td>
<td class="text">30 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of credit (in percent)</a></td>
<td class="nump">0.93%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseInNonPerformingLoansRatio', window );">Percentage increase in non-performing loans ratio</a></td>
<td class="nump">0.44%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExposureToCreditRiskLendingGuaranteesAndDocumentaryCredits', window );">Credit risk with customers</a></td>
<td class="nump">&#8364; 46,677<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LendingCreditRiskPercentageOfGroup', window );">Lending, credit risk percentage of group</a></td>
<td class="nump">4.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInLendingPercentage', window );">Percentage increase (decrease) in lending</a></td>
<td class="num">(15.00%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EvolutionProjectionPeriod', window );">Evolution projection period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Total North America | Santander Bank, National Association | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeterminationOfStage2ClassificationThreshold', window );">Threshold percentage in determining classification of Stage 2</a></td>
<td class="nump">1.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Total North America | Santander Bank, National Association | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DeterminationOfStage2ClassificationThreshold', window );">Threshold percentage in determining classification of Stage 2</a></td>
<td class="nump">0.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">&#8364; 118,546<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfProspectiveMacroeconomicScenarios', window );">Number of prospective macroeconomic scenarios | scenario</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingCoverageRatio', window );">Coverage rate</a></td>
<td class="nump">81.00%<span></span>
</td>
<td class="nump">79.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of credit (in percent)</a></td>
<td class="nump">4.17%<span></span>
</td>
<td class="nump">4.03%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditExposurePercentage', window );">Credit exposure percentage</a></td>
<td class="nump">10.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EvolutionProjectionPeriod', window );">Evolution projection period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInCreditRiskWithCustomersPercent', window );">Increase (decrease) in credit risk (in percentage)</a></td>
<td class="nump">2.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageIncreaseInCreditRiskExcludingExchangeRate', window );">Percentage increase in credit risk, excluding exchange rate</a></td>
<td class="nump">2.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingLoansRatio', window );">Non-performing loans ratio</a></td>
<td class="nump">6.76%<span></span>
</td>
<td class="nump">6.10%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetLoanLossProvision', window );">Net loan-loss provisions</a></td>
<td class="nump">&#8364; 4,409<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInProvisionForLoanLoss', window );">Increase (decrease) in provision for loan loss</a></td>
<td class="num">(2.00%)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Total South America | Banco Santander (Brasil) S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 104,136<span></span>
</td>
<td class="nump">&#8364; 103,541<span></span>
</td>
<td class="nump">113,409<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExposureToCreditRiskNumberOfTranches', window );">Number of tranches | tranches</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Retail Banking segment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditExposurePercentage', window );">Credit exposure percentage</a></td>
<td class="nump">37.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Retail Banking segment | Securitised mortgage assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditExposurePercentage', window );">Credit exposure percentage</a></td>
<td class="nump">29.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Retail Banking segment | Credit cards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditExposurePercentage', window );">Credit exposure percentage</a></td>
<td class="nump">26.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | Stage 1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 779,109<span></span>
</td>
<td class="nump">800,360<span></span>
</td>
<td class="nump">807,228<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MaximumExposureToCreditRiskOtherFinancialInstruments', window );">Maximum exposure, financial instruments not included elsewhere</a></td>
<td class="nump">834,911<span></span>
</td>
<td class="nump">665,476<span></span>
</td>
<td class="nump">598,385<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | Stage 1 | Santander UK plc</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">200,576<span></span>
</td>
<td class="nump">209,588<span></span>
</td>
<td class="nump">205,708<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | Stage 1 | Gross carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">196,509<span></span>
</td>
<td class="nump">196,514<span></span>
</td>
<td class="nump">176,697<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | Stage 2 and 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">78,112<span></span>
</td>
<td class="nump">77,330<span></span>
</td>
<td class="nump">74,808<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | Stage 2 and 3 | Santander UK plc</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">19,295<span></span>
</td>
<td class="nump">23,970<span></span>
</td>
<td class="nump">26,118<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | Stage 2 and 3 | Gross carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">1,480<span></span>
</td>
<td class="nump">597<span></span>
</td>
<td class="nump">203<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | Other units | Stage 1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">89,094<span></span>
</td>
<td class="nump">80,541<span></span>
</td>
<td class="nump">68,788<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | Other units | Stage 1 | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(213)<span></span>
</td>
<td class="num">(165)<span></span>
</td>
<td class="num">(199)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | Other units | Stage 2 and 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">3,528<span></span>
</td>
<td class="nump">2,534<span></span>
</td>
<td class="nump">1,504<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | Other units | Stage 2 and 3 | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(152)<span></span>
</td>
<td class="num">(117)<span></span>
</td>
<td class="num">(73)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | Spain | Stage 1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">183,686<span></span>
</td>
<td class="nump">179,041<span></span>
</td>
<td class="nump">183,324<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | Spain | Stage 2 and 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">11,566<span></span>
</td>
<td class="nump">13,277<span></span>
</td>
<td class="nump">15,134<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | US | Stage 1 | Total North America | Santander Consumer USA Holdings Inc.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">13,798<span></span>
</td>
<td class="nump">20,263<span></span>
</td>
<td class="nump">18,973<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | US | Stage 1 | Total North America | Santander Bank, National Association</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">38,511<span></span>
</td>
<td class="nump">47,569<span></span>
</td>
<td class="nump">50,666<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | US | Stage 2 and 3 | Total North America | Santander Consumer USA Holdings Inc.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">5,818<span></span>
</td>
<td class="nump">4,677<span></span>
</td>
<td class="nump">4,632<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | US | Stage 2 and 3 | Total North America | Santander Bank, National Association</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">6,072<span></span>
</td>
<td class="nump">5,544<span></span>
</td>
<td class="nump">4,424<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | Brazil | Stage 1 | Total South America | Banco Santander (Brasil) S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">83,383<span></span>
</td>
<td class="nump">86,459<span></span>
</td>
<td class="nump">96,799<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | Brazil | Stage 2 and 3 | Total South America | Banco Santander (Brasil) S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">13,602<span></span>
</td>
<td class="nump">10,700<span></span>
</td>
<td class="nump">9,131<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember', window );">Financial instruments credit-impaired | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="num">(13,527)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember', window );">Financial instruments credit-impaired | Accumulated impairment | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="num">(1,759)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember', window );">Financial instruments credit-impaired | Gross carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">31,577<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember', window );">Financial instruments credit-impaired | Gross carrying amount | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">7,777<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember', window );">Financial instruments credit-impaired | Stage 2 and 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">31,275<span></span>
</td>
<td class="nump">31,273<span></span>
</td>
<td class="nump">32,455<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember', window );">Financial instruments credit-impaired | Stage 2 and 3 | Santander UK plc</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">2,475<span></span>
</td>
<td class="nump">3,292<span></span>
</td>
<td class="nump">3,518<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember', window );">Financial instruments credit-impaired | Stage 2 and 3 | Gross carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">842<span></span>
</td>
<td class="nump">701<span></span>
</td>
<td class="nump">461<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember', window );">Financial instruments credit-impaired | Other units | Stage 2 and 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">1,109<span></span>
</td>
<td class="nump">874<span></span>
</td>
<td class="nump">658<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember', window );">Financial instruments credit-impaired | Other units | Stage 2 and 3 | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(394)<span></span>
</td>
<td class="num">(295)<span></span>
</td>
<td class="num">(161)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember', window );">Financial instruments credit-impaired | Spain | Stage 2 and 3</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">5,761<span></span>
</td>
<td class="nump">6,618<span></span>
</td>
<td class="nump">7,536<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember', window );">Financial instruments credit-impaired | US | Stage 2 and 3 | Total North America | Santander Consumer USA Holdings Inc.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">5,588<span></span>
</td>
<td class="nump">5,729<span></span>
</td>
<td class="nump">5,272<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember', window );">Financial instruments credit-impaired | US | Stage 2 and 3 | Total North America | Santander Bank, National Association</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">1,158<span></span>
</td>
<td class="nump">1,130<span></span>
</td>
<td class="nump">894<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember', window );">Financial instruments credit-impaired | Brazil | Stage 2 and 3 | Total South America | Banco Santander (Brasil) S.A.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">7,151<span></span>
</td>
<td class="nump">6,382<span></span>
</td>
<td class="nump">7,479<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsPurchasedOrOriginatedCreditimpairedMember', window );">Financial instruments purchased credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 334<span></span>
</td>
<td class="nump">&#8364; 559<span></span>
</td>
<td class="nump">&#8364; 743<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfCreditRiskCategories', window );">Number of credit risk categories | stage</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">&#8364; 1,792,549<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">Non-performing rate</a></td>
<td class="nump">2.91%<span></span>
</td>
<td class="nump">3.03%<span></span>
</td>
<td class="nump">3.11%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingCoverageRatio', window );">Coverage rate</a></td>
<td class="nump">66.00%<span></span>
</td>
<td class="nump">64.00%<span></span>
</td>
<td class="nump">66.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of credit (in percent)</a></td>
<td class="nump">1.14%<span></span>
</td>
<td class="nump">1.12%<span></span>
</td>
<td class="nump">1.13%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetLoanLossProvision', window );">Net loan-loss provisions</a></td>
<td class="nump">&#8364; 12,128<span></span>
</td>
<td class="nump">&#8364; 11,822<span></span>
</td>
<td class="nump">&#8364; 11,784<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Forborne loan portfolio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesPercentageCoveredBySpecificAllowances', window );">Percentage of loans covered by specific allowance</a></td>
<td class="nump">26.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | "Large Exposures" Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditExposurePercentage', window );">Credit exposure percentage</a></td>
<td class="nump">5.30%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LargeExposurePercentageOfEligibleCapitalThreshold', window );">Large exposure threshold percentage</a></td>
<td class="nump">10.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LargeExposureMaximumPercentageOfEligibleCapital', window );">Maximum percentage of eligible capital allowed under regulation</a></td>
<td class="nump">25.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | "Large Exposures" Customers, top 40</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditExposurePercentage', window );">Credit exposure percentage</a></td>
<td class="nump">8.40%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Credit impaired | Forborne loan portfolio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditExposurePercentage', window );">Credit exposure percentage</a></td>
<td class="nump">53.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesPercentageCoveredBySpecificAllowances', window );">Percentage of loans covered by specific allowance</a></td>
<td class="nump">41.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Performing | Forborne loan portfolio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditExposurePercentage', window );">Credit exposure percentage</a></td>
<td class="nump">47.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Of&#160;which property collateral | Forborne loan portfolio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndAdvancesToCustomersSecuredPercentage', window );">Percentage of loans secured</a></td>
<td class="nump">47.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Accumulated impairment | Forborne loan portfolio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">&#8364; (6,480)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Accumulated impairment | Credit impaired | Forborne loan portfolio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(5,508)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Gross carrying amount | Of&#160;which property collateral | Forborne loan portfolio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">15,484<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Gross carrying amount | Of&#160;which property collateral | Credit impaired | Forborne loan portfolio</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">7,980<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">&#8364; 352,126<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">Non-performing rate</a></td>
<td class="nump">1.94%<span></span>
</td>
<td class="nump">2.66%<span></span>
</td>
<td class="nump">3.04%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingCoverageRatio', window );">Coverage rate</a></td>
<td class="nump">55.00%<span></span>
</td>
<td class="nump">53.00%<span></span>
</td>
<td class="nump">49.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of credit (in percent)</a></td>
<td class="nump">0.43%<span></span>
</td>
<td class="nump">0.50%<span></span>
</td>
<td class="nump">0.61%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetLoanLossProvision', window );">Net loan-loss provisions</a></td>
<td class="nump">&#8364; 1,142<span></span>
</td>
<td class="nump">&#8364; 1,259<span></span>
</td>
<td class="nump">&#8364; 1,522<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | US</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">Non-performing rate</a></td>
<td class="nump">4.82%<span></span>
</td>
<td class="nump">4.68%<span></span>
</td>
<td class="nump">4.57%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingCoverageRatio', window );">Coverage rate</a></td>
<td class="nump">55.00%<span></span>
</td>
<td class="nump">64.00%<span></span>
</td>
<td class="nump">68.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of credit (in percent)</a></td>
<td class="nump">1.62%<span></span>
</td>
<td class="nump">1.82%<span></span>
</td>
<td class="nump">1.92%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetLoanLossProvision', window );">Net loan-loss provisions</a></td>
<td class="nump">&#8364; 2,244<span></span>
</td>
<td class="nump">&#8364; 2,507<span></span>
</td>
<td class="nump">&#8364; 2,593<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Brazil</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">Non-performing rate</a></td>
<td class="nump">6.76%<span></span>
</td>
<td class="nump">6.10%<span></span>
</td>
<td class="nump">6.25%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingCoverageRatio', window );">Coverage rate</a></td>
<td class="nump">81.00%<span></span>
</td>
<td class="nump">79.00%<span></span>
</td>
<td class="nump">83.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of credit (in percent)</a></td>
<td class="nump">4.17%<span></span>
</td>
<td class="nump">4.03%<span></span>
</td>
<td class="nump">4.27%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetLoanLossProvision', window );">Net loan-loss provisions</a></td>
<td class="nump">&#8364; 4,409<span></span>
</td>
<td class="nump">&#8364; 4,487<span></span>
</td>
<td class="nump">&#8364; 4,701<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_LocalSovereignOtherThanOfficialCurrencyRiskMember', window );">Local sovereign other than official currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">&#8364; 4,908<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfTotalSovereignRisk', window );">Percentage of total sovereign risk</a></td>
<td class="nump">1.20%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_NonLocalSovereignCrossBorderRiskMember', window );">Non-local sovereign cross border risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">&#8364; 17,002<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfTotalSovereignRisk', window );">Percentage of total sovereign risk</a></td>
<td class="nump">4.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfCreditRiskExposureLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesAmortisedCostBeforeModification">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amortised cost before the modification of financial assets for which the contractual cash flows have been modified during the reporting period while they had a loss allowance measured at an amount equal to lifetime expected credit losses. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35J<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35J_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesAmortisedCostBeforeModification</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsWithModifiedContractualCashFlowsWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesForWhichLossAllowanceChangedDuringReportingPeriodTo12monthExpectedCreditLossesGrossCarryingAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gross carrying amount of financial assets that have been modified since initial recognition at a time when the loss allowance was measured at an amount equal to lifetime expected credit losses and for which the loss allowance has changed during the reporting period to an amount equal to 12-month expected credit losses. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35J<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35J_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsWithModifiedContractualCashFlowsWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesForWhichLossAllowanceChangedDuringReportingPeriodTo12monthExpectedCreditLossesGrossCarryingAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InvestmentAccountedForUsingEquityMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of investments accounted for using the equity method. The equity method is a method of accounting whereby the investment is initially recognised at cost and adjusted thereafter for the post-acquisition change in the investor's share of net assets of the investee. The investor's profit or loss includes its share of the profit or loss of the investee. The investor's other comprehensive income includes its share of the other comprehensive income of the investee. [Refer: At cost [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B16<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B16&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 89<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_89&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 89<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_89&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentAccountedForUsingEquityMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LoansAndAdvancesToCustomers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and advances the entity has made to customers.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LoansAndAdvancesToCustomers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaximumExposureToCreditRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount that best represents the maximum exposure to credit risk without taking into account any collateral held or other credit enhancements (for example, netting agreements that do not qualify for offset in accordance with IAS 32). [Refer: Credit risk [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35K<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35K_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaximumExposureToCreditRisk</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of risk exposure associated with financial instruments with a shared characteristic that identifies a concentration of risks. [Refer: Classes of financial instruments [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph B8<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B8_c&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_BuyToLetMortgagesMortgagePortfolioPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Buy To Let Mortgages, Mortgage Portfolio, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_BuyToLetMortgagesMortgagePortfolioPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CostOfRiskPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cost Of Risk, Percent</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CostOfRiskPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CreditExposurePercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of amount to total that is in exposure to loss resulting from credit risk.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CreditExposurePercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DebtToIncomeRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Measurement of ability to repay debt expressed as a percentage calculated by dividing total recurring month debt by gross monthly income.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DebtToIncomeRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DecreaseInNonPerformingLoansRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease during the period in the nonperforming loans ratio, as a percent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DecreaseInNonPerformingLoansRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DecreaseInNonPerformingRatioPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Decrease In Non-Performing Ratio, Percent</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DecreaseInNonPerformingRatioPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DeterminationOfStage2ClassificationThreshold">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Determination Of Stage 2 Classification, Threshold</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DeterminationOfStage2ClassificationThreshold</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EvolutionProjectionPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the evolution of macroeconomic scenarios projection period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EvolutionProjectionPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ExposureToCreditRiskLendingGuaranteesAndDocumentaryCredits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount that represents exposure to credit risk for lending to customers, guarantees and documentary credits, which is less than the maximum exposure to credit risk.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ExposureToCreditRiskLendingGuaranteesAndDocumentaryCredits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ExposureToCreditRiskNumberOfTranches">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Exposure To Credit Risk, Number Of Tranches</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ExposureToCreditRiskNumberOfTranches</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_FlexibleLoansMortgagePortfolioPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Flexible Loans, Mortgage Portfolio, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FlexibleLoansMortgagePortfolioPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ForborneLoanPortfolioAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of forborne loan portfolio.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ForborneLoanPortfolioAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ForborneLoansPerformingCriteriaNumberOfDaysPastDue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The maximum number of days past due used as a criteria for performing loans.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ForborneLoansPerformingCriteriaNumberOfDaysPastDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ICOLoanGrantedAsResultOfThePandemic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>ICO Loan, Granted As Result Of The Pandemic</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ICOLoanGrantedAsResultOfThePandemic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ICOLoanPandemic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>ICO Loan, Pandemic</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ICOLoanPandemic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ICOLoansPercentageOfTotalPortfolio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>ICO Loans, Percentage Of Total Portfolio</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ICOLoansPercentageOfTotalPortfolio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseInCreditRiskWithCustomersPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage increase in credit risk with customers.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseInCreditRiskWithCustomersPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseInLendingPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) In Lending, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseInLendingPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseInNonPerformingCoverageRatioPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) In Non-Performing Coverage Ratio, Percent</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseInNonPerformingCoverageRatioPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseInPortfolioOfSME">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) In Portfolio Of SME</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseInPortfolioOfSME</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseInProvisionForLoanLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) In Provision For Loan Loss</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseInProvisionForLoanLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseInResidentialMortgageCreditRiskPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) In Residential Mortgage Credit Risk, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseInResidentialMortgageCreditRiskPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseInNonPerformingLoansRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase In Non-Performing Loans Ratio</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseInNonPerformingLoansRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseInNonPerformingRatioPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase In Non-Performing Ratio, Percent</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseInNonPerformingRatioPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InterestOnlyLoansMortgagePortfolioPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest Only Loans, Mortgage Portfolio, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InterestOnlyLoansMortgagePortfolioPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LargeExposureMaximumPercentageOfEligibleCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The maximum percentage of eligible capital allowed by regulation for a customer or group of connected customers defined as a "Large Exposures" in CRR (Regulation (EU) No 575/2013).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LargeExposureMaximumPercentageOfEligibleCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LargeExposurePercentageOfEligibleCapitalThreshold">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Threshold percentage for "Large Exposures" as defined by CRR (Regulation (EU) No 575/2013). "Large Exposures" are defined as exposures from a customer or group of connected customers that equals or exceeds 10% of the entity's eligible capital.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LargeExposurePercentageOfEligibleCapitalThreshold</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LendingCreditRiskPercentageOfGroup">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Lending, Credit Risk Percentage Of Group</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LendingCreditRiskPercentageOfGroup</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LoanToValueRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The ratio, expressed as a percentage, of a loan to the value of an asset purchased.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LoanToValueRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LoansAndAdvancesToCustomersSecuredPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of loans secured by mortgages or other collateral.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LoansAndAdvancesToCustomersSecuredPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LoansAndReceivablesPercentageCoveredBySpecificAllowances">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of loans covered by specific allowances.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LoansAndReceivablesPercentageCoveredBySpecificAllowances</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LoansPercentageSecuredByMortgage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of loans secured by mortgage.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LoansPercentageSecuredByMortgage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MaximumExposureToCreditRiskOtherFinancialInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount that best represents the maximum exposure to credit risk without taking into account any collateral held or other credit enhancements (for example, netting agreements that do not qualify for offset in accordance with IAS 32) for financial instruments not included in other disclosures.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MaximumExposureToCreditRiskOtherFinancialInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the minimum period of irregular positions to consider significant increase in risk.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NetLoanLossProvision">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net Loan-Loss Provision</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NetLoanLossProvision</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NonPerformingCoverageRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of instruments classified as non-performing that are covered by a provision against losses, calculated as the amount of provisions for coverage of impairment losses on loans and advances to customers and contingent liabilities (without country risk) divided by the amount of loans and advances to customers and nonperforming contingent liabilities (without country risk).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NonPerformingCoverageRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NonPerformingLoansRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Non-Performing Loans Ratio</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NonPerformingLoansRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NonPerformingRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of instruments classified as non-performing, calculated as the amount of non-performing loans and advances to customers and non-performing contingent liabilities (without country risk) divided by the amount of total loans and advances to customers and contingent liabilities (without country risk).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NonPerformingRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfBusinessLinesCommercialSegment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number Of Business Lines, Commercial Segment</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfBusinessLinesCommercialSegment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfCreditRiskCategories">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number Of Credit Risk Categories</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfCreditRiskCategories</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfGroups">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of groups.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfGroups</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfProspectiveMacroeconomicScenarios">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the number of prospective macroeconomic scenarios.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfProspectiveMacroeconomicScenarios</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageIncreaseInCreditRiskExcludingExchangeRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage Increase In Credit Risk, Excluding Exchange Rate</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageIncreaseInCreditRiskExcludingExchangeRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageOfDecreaseInCostOfCredit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of decrease in cost of credit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfDecreaseInCostOfCredit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageOfIncreaseDecreaseInCostOfCredit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of increase in cost of credit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfIncreaseDecreaseInCostOfCredit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of portfolio with loan to value ratio of less than defined percentage.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageOfTotalPortfolioAtRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of the total portfolio that is at risk.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfTotalPortfolioAtRisk</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageOfTotalProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage Of Total Provisions</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfTotalProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageOfTotalSovereignRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of total sovereign risk.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfTotalSovereignRisk</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ProbabilityOfDefaultPercentageIncreaseFromInitialRecognition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Probability Of Default, Percentage Increase From Initial Recognition</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ProbabilityOfDefaultPercentageIncreaseFromInitialRecognition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MajorCustomersAxis=san_LargeExposureCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MajorCustomersAxis=san_LargeExposureCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MajorCustomersAxis=san_LargeExposureCustomersTopFortyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MajorCustomersAxis=san_LargeExposureCustomersTopFortyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=country_GB">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=country_GB</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_MortgagesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_MortgagesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LoanToValue1Axis=san_LTVLessThan70PercentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LoanToValue1Axis=san_LTVLessThan70PercentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=srt_NorthAmericaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=srt_NorthAmericaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_OtherGeographicalUnitsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_OtherGeographicalUnitsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfAssetsAxis=san_ForeclosedPropertiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=san_ForeclosedPropertiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfAssetsAxis=san_ForeclosedEquityInstrumentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=san_ForeclosedEquityInstrumentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_SmallAndMediumEntitiesAndCorporatesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_SmallAndMediumEntitiesAndCorporatesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_HomePurchaseLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_HomePurchaseLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_RetailAndCommercialBankingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_RetailAndCommercialBankingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_Collateral1Axis=san_IFRSCollateralPledgedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LoanToValue1Axis=san_IFRSLTVLessThan80PercentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LoanToValue1Axis=san_IFRSLTVLessThan80PercentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ConstructionAndPropertyDevelopmentLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ConstructionAndPropertyDevelopmentLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProductsAndServicesAxis=san_RealEstateOperationsInSpainSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProductsAndServicesAxis=san_RealEstateOperationsInSpainSegmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InternalCreditGradesAxis=san_CreditImpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InternalCreditGradesAxis=san_CreditImpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_US</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_BR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_BR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=srt_SouthAmericaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=srt_SouthAmericaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=san_RetailBankingSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=san_RetailBankingSegmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CreditCardsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CreditCardsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsPurchasedOrOriginatedCreditimpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsPurchasedOrOriginatedCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InternalCreditGradesAxis=san_PerformingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InternalCreditGradesAxis=san_PerformingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=san_LocalSovereignOtherThanOfficialCurrencyRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_LocalSovereignOtherThanOfficialCurrencyRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=san_NonLocalSovereignCrossBorderRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_NonLocalSovereignCrossBorderRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
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</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>412
<FILENAME>R330.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Risk management - Disclosure of main credit risk aggregates arising on customer business (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 300,026<span></span>
</td>
<td class="nump">&#8364; 283,497<span></span>
</td>
<td class="nump">&#8364; 243,203<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RecoveriesOnLoansPreviouslyWrittenOff', window );">Recoveries on loans previously written off</a></td>
<td class="nump">&#8364; 1,791<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">NPL ratio</a></td>
<td class="nump">2.91%<span></span>
</td>
<td class="nump">3.03%<span></span>
</td>
<td class="nump">3.11%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingCoverageRatio', window );">NPL coverage ratio</a></td>
<td class="nump">66.00%<span></span>
</td>
<td class="nump">64.00%<span></span>
</td>
<td class="nump">66.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetLoanLossProvision', window );">Net loan-loss provisions</a></td>
<td class="nump">&#8364; 12,128<span></span>
</td>
<td class="nump">&#8364; 11,822<span></span>
</td>
<td class="nump">&#8364; 11,784<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of risk (in percent)</a></td>
<td class="nump">1.14%<span></span>
</td>
<td class="nump">1.12%<span></span>
</td>
<td class="nump">1.13%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="num">&#8364; (520)<span></span>
</td>
<td class="num">&#8364; (349)<span></span>
</td>
<td class="num">&#8364; (286)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">1,159,180<span></span>
</td>
<td class="nump">1,134,418<span></span>
</td>
<td class="nump">1,115,288<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 33,739<span></span>
</td>
<td class="nump">&#8364; 34,383<span></span>
</td>
<td class="nump">&#8364; 34,671<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">NPL ratio</a></td>
<td class="nump">1.94%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingCoverageRatio', window );">NPL coverage ratio</a></td>
<td class="nump">55.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of risk (in percent)</a></td>
<td class="nump">0.43%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">NPL ratio</a></td>
<td class="nump">1.94%<span></span>
</td>
<td class="nump">2.66%<span></span>
</td>
<td class="nump">3.04%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingCoverageRatio', window );">NPL coverage ratio</a></td>
<td class="nump">55.00%<span></span>
</td>
<td class="nump">53.00%<span></span>
</td>
<td class="nump">49.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetLoanLossProvision', window );">Net loan-loss provisions</a></td>
<td class="nump">&#8364; 1,142<span></span>
</td>
<td class="nump">&#8364; 1,259<span></span>
</td>
<td class="nump">&#8364; 1,522<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of risk (in percent)</a></td>
<td class="nump">0.43%<span></span>
</td>
<td class="nump">0.50%<span></span>
</td>
<td class="nump">0.61%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="num">&#8364; (1,086)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Customers | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">305,156<span></span>
</td>
<td class="nump">&#8364; 288,162<span></span>
</td>
<td class="nump">&#8364; 280,629<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 5,915<span></span>
</td>
<td class="nump">&#8364; 7,677<span></span>
</td>
<td class="nump">&#8364; 8,531<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">United Kingdom | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">NPL ratio</a></td>
<td class="nump">1.08%<span></span>
</td>
<td class="nump">1.33%<span></span>
</td>
<td class="nump">1.42%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingCoverageRatio', window );">NPL coverage ratio</a></td>
<td class="nump">33.00%<span></span>
</td>
<td class="nump">29.00%<span></span>
</td>
<td class="nump">30.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetLoanLossProvision', window );">Net loan-loss provisions</a></td>
<td class="nump">&#8364; 177<span></span>
</td>
<td class="nump">&#8364; 64<span></span>
</td>
<td class="nump">&#8364; 247<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of risk (in percent)</a></td>
<td class="nump">0.07%<span></span>
</td>
<td class="nump">0.03%<span></span>
</td>
<td class="nump">0.10%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">United Kingdom | Customers | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 244,303<span></span>
</td>
<td class="nump">&#8364; 248,061<span></span>
</td>
<td class="nump">&#8364; 247,360<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_GB', window );">United Kingdom | Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 2,645<span></span>
</td>
<td class="nump">&#8364; 3,299<span></span>
</td>
<td class="nump">&#8364; 3,518<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_PT', window );">Portugal | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">NPL ratio</a></td>
<td class="nump">1.99%<span></span>
</td>
<td class="nump">2.27%<span></span>
</td>
<td class="nump">2.41%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingCoverageRatio', window );">NPL coverage ratio</a></td>
<td class="nump">81.00%<span></span>
</td>
<td class="nump">78.00%<span></span>
</td>
<td class="nump">83.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetLoanLossProvision', window );">Net loan-loss provisions</a></td>
<td class="num">&#8364; (8)<span></span>
</td>
<td class="nump">&#8364; 11<span></span>
</td>
<td class="nump">&#8364; 77<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of risk (in percent)</a></td>
<td class="num">(0.02%)<span></span>
</td>
<td class="nump">0.03%<span></span>
</td>
<td class="nump">0.19%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_PT', window );">Portugal | Customers | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 47,760<span></span>
</td>
<td class="nump">&#8364; 44,573<span></span>
</td>
<td class="nump">&#8364; 42,455<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_PT', window );">Portugal | Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 948<span></span>
</td>
<td class="nump">&#8364; 1,014<span></span>
</td>
<td class="nump">&#8364; 1,024<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">NPL ratio</a></td>
<td class="nump">4.82%<span></span>
</td>
<td class="nump">4.68%<span></span>
</td>
<td class="nump">4.57%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingCoverageRatio', window );">NPL coverage ratio</a></td>
<td class="nump">55.00%<span></span>
</td>
<td class="nump">64.00%<span></span>
</td>
<td class="nump">68.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetLoanLossProvision', window );">Net loan-loss provisions</a></td>
<td class="nump">&#8364; 2,244<span></span>
</td>
<td class="nump">&#8364; 2,507<span></span>
</td>
<td class="nump">&#8364; 2,593<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of risk (in percent)</a></td>
<td class="nump">1.62%<span></span>
</td>
<td class="nump">1.82%<span></span>
</td>
<td class="nump">1.92%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Customers | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 148,488<span></span>
</td>
<td class="nump">&#8364; 149,907<span></span>
</td>
<td class="nump">&#8364; 137,894<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 7,150<span></span>
</td>
<td class="nump">&#8364; 7,012<span></span>
</td>
<td class="nump">&#8364; 6,303<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_MX', window );">Mexico | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">NPL ratio</a></td>
<td class="nump">2.65%<span></span>
</td>
<td class="nump">2.71%<span></span>
</td>
<td class="nump">2.82%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingCoverageRatio', window );">NPL coverage ratio</a></td>
<td class="nump">105.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetLoanLossProvision', window );">Net loan-loss provisions</a></td>
<td class="nump">&#8364; 1,239<span></span>
</td>
<td class="nump">&#8364; 1,277<span></span>
</td>
<td class="nump">&#8364; 1,135<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of risk (in percent)</a></td>
<td class="nump">2.69%<span></span>
</td>
<td class="nump">2.64%<span></span>
</td>
<td class="nump">2.43%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_MX', window );">Mexico | Customers | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 53,476<span></span>
</td>
<td class="nump">&#8364; 49,927<span></span>
</td>
<td class="nump">&#8364; 52,785<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_MX', window );">Mexico | Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 1,420<span></span>
</td>
<td class="nump">&#8364; 1,352<span></span>
</td>
<td class="nump">&#8364; 1,489<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">NPL ratio</a></td>
<td class="nump">6.76%<span></span>
</td>
<td class="nump">6.10%<span></span>
</td>
<td class="nump">6.25%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingCoverageRatio', window );">NPL coverage ratio</a></td>
<td class="nump">81.00%<span></span>
</td>
<td class="nump">79.00%<span></span>
</td>
<td class="nump">83.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetLoanLossProvision', window );">Net loan-loss provisions</a></td>
<td class="nump">&#8364; 4,409<span></span>
</td>
<td class="nump">&#8364; 4,487<span></span>
</td>
<td class="nump">&#8364; 4,701<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of risk (in percent)</a></td>
<td class="nump">4.17%<span></span>
</td>
<td class="nump">4.03%<span></span>
</td>
<td class="nump">4.27%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Customers | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 118,546<span></span>
</td>
<td class="nump">&#8364; 116,247<span></span>
</td>
<td class="nump">&#8364; 126,722<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 8,010<span></span>
</td>
<td class="nump">&#8364; 7,090<span></span>
</td>
<td class="nump">&#8364; 7,923<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_CL', window );">Chile | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">NPL ratio</a></td>
<td class="nump">5.73%<span></span>
</td>
<td class="nump">5.37%<span></span>
</td>
<td class="nump">5.01%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingCoverageRatio', window );">NPL coverage ratio</a></td>
<td class="nump">48.00%<span></span>
</td>
<td class="nump">50.00%<span></span>
</td>
<td class="nump">53.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetLoanLossProvision', window );">Net loan-loss provisions</a></td>
<td class="nump">&#8364; 531<span></span>
</td>
<td class="nump">&#8364; 497<span></span>
</td>
<td class="nump">&#8364; 365<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of risk (in percent)</a></td>
<td class="nump">1.32%<span></span>
</td>
<td class="nump">1.19%<span></span>
</td>
<td class="nump">0.80%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_CL', window );">Chile | Customers | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 44,146<span></span>
</td>
<td class="nump">&#8364; 44,590<span></span>
</td>
<td class="nump">&#8364; 46,565<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_CL', window );">Chile | Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 2,528<span></span>
</td>
<td class="nump">&#8364; 2,394<span></span>
</td>
<td class="nump">&#8364; 2,332<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_AR', window );">Argentina | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">NPL ratio</a></td>
<td class="nump">7.68%<span></span>
</td>
<td class="nump">2.06%<span></span>
</td>
<td class="nump">1.99%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingCoverageRatio', window );">NPL coverage ratio</a></td>
<td class="nump">90.00%<span></span>
</td>
<td class="nump">177.00%<span></span>
</td>
<td class="nump">166.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetLoanLossProvision', window );">Net loan-loss provisions</a></td>
<td class="nump">&#8364; 574<span></span>
</td>
<td class="nump">&#8364; 284<span></span>
</td>
<td class="nump">&#8364; 150<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of risk (in percent)</a></td>
<td class="nump">7.34%<span></span>
</td>
<td class="nump">4.59%<span></span>
</td>
<td class="nump">6.64%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_AR', window );">Argentina | Customers | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 8,813<span></span>
</td>
<td class="nump">&#8364; 8,411<span></span>
</td>
<td class="nump">&#8364; 3,903<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_AR', window );">Argentina | Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 677<span></span>
</td>
<td class="nump">&#8364; 173<span></span>
</td>
<td class="nump">&#8364; 78<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankEuropeMember', window );">Openbank Europe | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">NPL ratio</a></td>
<td class="nump">2.53%<span></span>
</td>
<td class="nump">2.50%<span></span>
</td>
<td class="nump">2.12%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingCoverageRatio', window );">NPL coverage ratio</a></td>
<td class="nump">87.00%<span></span>
</td>
<td class="nump">83.00%<span></span>
</td>
<td class="nump">88.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetLoanLossProvision', window );">Net loan-loss provisions</a></td>
<td class="nump">&#8364; 1,363<span></span>
</td>
<td class="nump">&#8364; 1,209<span></span>
</td>
<td class="nump">&#8364; 792<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of risk (in percent)</a></td>
<td class="nump">0.97%<span></span>
</td>
<td class="nump">0.88%<span></span>
</td>
<td class="nump">0.62%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankEuropeMember', window );">Openbank Europe | Customers | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 144,039<span></span>
</td>
<td class="nump">&#8364; 141,312<span></span>
</td>
<td class="nump">&#8364; 135,608<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_OpenbankEuropeMember', window );">Openbank Europe | Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 3,642<span></span>
</td>
<td class="nump">&#8364; 3,527<span></span>
</td>
<td class="nump">&#8364; 2,877<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingRatio', window );">NPL ratio</a></td>
<td class="nump">3.50%<span></span>
</td>
<td class="nump">3.89%<span></span>
</td>
<td class="nump">3.67%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonPerformingCoverageRatio', window );">NPL coverage ratio</a></td>
<td class="nump">24.00%<span></span>
</td>
<td class="nump">25.00%<span></span>
</td>
<td class="nump">34.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetLoanLossProvision', window );">Net loan-loss provisions</a></td>
<td class="nump">&#8364; 198<span></span>
</td>
<td class="num">&#8364; (3)<span></span>
</td>
<td class="num">&#8364; (2)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CostOfRiskPercent', window );">Cost of risk (in percent)</a></td>
<td class="nump">2.79%<span></span>
</td>
<td class="num">(0.05%)<span></span>
</td>
<td class="num">(0.04%)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Customers | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 9,340<span></span>
</td>
<td class="nump">&#8364; 9,256<span></span>
</td>
<td class="nump">&#8364; 8,206<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember', window );">Corporate Centre | Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Credit impaired loans</a></td>
<td class="nump">&#8364; 327<span></span>
</td>
<td class="nump">&#8364; 360<span></span>
</td>
<td class="nump">&#8364; 302<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfCreditRiskExposureLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RecoveriesOnLoansPreviouslyWrittenOff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from the recoveries on loans that were previously written off.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Section B Statement of cash flows for a financial institution<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;doctype=Illustrative%20Examples&amp;dita_xref=IAS07_IE_B_TI<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RecoveriesOnLoansPreviouslyWrittenOff</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CostOfRiskPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cost Of Risk, Percent</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CostOfRiskPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NetLoanLossProvision">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net Loan-Loss Provision</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NetLoanLossProvision</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NonPerformingCoverageRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of instruments classified as non-performing that are covered by a provision against losses, calculated as the amount of provisions for coverage of impairment losses on loans and advances to customers and contingent liabilities (without country risk) divided by the amount of loans and advances to customers and nonperforming contingent liabilities (without country risk).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NonPerformingCoverageRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NonPerformingRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage of instruments classified as non-performing, calculated as the amount of non-performing loans and advances to customers and non-performing contingent liabilities (without country risk) divided by the amount of total loans and advances to customers and contingent liabilities (without country risk).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NonPerformingRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_LoansAndAdvancesCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_LoansAndAdvancesCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_GB">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_GB</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_PT">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_PT</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_US</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_MX</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_BR</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_CL</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_AR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_AR</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=san_OpenbankEuropeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=san_OpenbankEuropeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=san_CorporateCenterMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=san_CorporateCenterMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<FILENAME>R331.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Risk management - Schedule of exposure and impairment losses by stage (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;) </div>
<div>tranches</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExposureToCreditRiskNumberOfTranches', window );">Number of tranches | tranches</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 888,496<span></span>
</td>
<td class="nump">&#8364; 908,963<span></span>
</td>
<td class="nump">&#8364; 914,491<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(300,026)<span></span>
</td>
<td class="num">(283,497)<span></span>
</td>
<td class="num">(243,203)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">520<span></span>
</td>
<td class="nump">349<span></span>
</td>
<td class="nump">286<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">21,158<span></span>
</td>
<td class="nump">22,125<span></span>
</td>
<td class="nump">22,788<span></span>
</td>
<td class="nump">&#8364; 22,684<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Loans and advances, customers including provisions for undrawn authorized</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">20,942<span></span>
</td>
<td class="nump">20,635<span></span>
</td>
<td class="nump">21,750<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">7,631<span></span>
</td>
<td class="nump">8,037<span></span>
</td>
<td class="nump">8,550<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember', window );">Financial instruments credit-impaired | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">13,527<span></span>
</td>
<td class="nump">14,088<span></span>
</td>
<td class="nump">14,238<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember', window );">Stage 1 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">779,109<span></span>
</td>
<td class="nump">800,360<span></span>
</td>
<td class="nump">807,228<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember', window );">Stage 1 | Financial instruments not credit-impaired | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Loans and advances, customers including provisions for undrawn authorized</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">3,068<span></span>
</td>
<td class="nump">3,184<span></span>
</td>
<td class="nump">3,463<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Stage 2 and 3 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">78,112<span></span>
</td>
<td class="nump">77,330<span></span>
</td>
<td class="nump">74,808<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Stage 2 and 3 | Financial instruments not credit-impaired | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Loans and advances, customers including provisions for undrawn authorized</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">4,698<span></span>
</td>
<td class="nump">4,512<span></span>
</td>
<td class="nump">4,883<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Stage 2 and 3 | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">31,275<span></span>
</td>
<td class="nump">31,273<span></span>
</td>
<td class="nump">32,455<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Stage 2 and 3 | Financial instruments credit-impaired | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Loans and advances, customers including provisions for undrawn authorized</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">13,177<span></span>
</td>
<td class="nump">12,938<span></span>
</td>
<td class="nump">13,404<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAAAToAAMember', window );">From AAA to AA-</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">115,038<span></span>
</td>
<td class="nump">104,958<span></span>
</td>
<td class="nump">143,029<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAAAToAAMember', window );">From AAA to AA- | Stage 1 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">112,795<span></span>
</td>
<td class="nump">102,394<span></span>
</td>
<td class="nump">140,792<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAAAToAAMember', window );">From AAA to AA- | Stage 2 and 3 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">2,243<span></span>
</td>
<td class="nump">2,564<span></span>
</td>
<td class="nump">2,237<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAAAToAAMember', window );">From AAA to AA- | Stage 2 and 3 | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAToBBMember', window );">From A+ to BB</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">381,579<span></span>
</td>
<td class="nump">426,837<span></span>
</td>
<td class="nump">417,930<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAToBBMember', window );">From A+ to BB | Stage 1 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">367,186<span></span>
</td>
<td class="nump">411,158<span></span>
</td>
<td class="nump">404,184<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAToBBMember', window );">From A+ to BB | Stage 2 and 3 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">14,393<span></span>
</td>
<td class="nump">15,678<span></span>
</td>
<td class="nump">13,746<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAToBBMember', window );">From A+ to BB | Stage 2 and 3 | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromBBToBMember', window );">From BB- to B-</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">335,376<span></span>
</td>
<td class="nump">318,878<span></span>
</td>
<td class="nump">290,599<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromBBToBMember', window );">From BB- to B- | Stage 1 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">291,014<span></span>
</td>
<td class="nump">276,422<span></span>
</td>
<td class="nump">250,619<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromBBToBMember', window );">From BB- to B- | Stage 2 and 3 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">44,363<span></span>
</td>
<td class="nump">42,456<span></span>
</td>
<td class="nump">39,979<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromBBToBMember', window );">From BB- to B- | Stage 2 and 3 | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_CCCAndBelowMember', window );">CCC and below</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">56,503<span></span>
</td>
<td class="nump">58,291<span></span>
</td>
<td class="nump">62,933<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_CCCAndBelowMember', window );">CCC and below | Stage 1 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">8,114<span></span>
</td>
<td class="nump">10,385<span></span>
</td>
<td class="nump">11,633<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_CCCAndBelowMember', window );">CCC and below | Stage 2 and 3 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">17,114<span></span>
</td>
<td class="nump">16,633<span></span>
</td>
<td class="nump">18,846<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_CCCAndBelowMember', window );">CCC and below | Stage 2 and 3 | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems', window );"><strong>Exposure and impairment losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 31,275<span></span>
</td>
<td class="nump">&#8364; 31,273<span></span>
</td>
<td class="nump">&#8364; 32,455<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfExternalCreditExposuresLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfExternalCreditExposuresLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaximumExposureToCreditRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount that best represents the maximum exposure to credit risk without taking into account any collateral held or other credit enhancements (for example, netting agreements that do not qualify for offset in accordance with IAS 32). [Refer: Credit risk [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35K<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35K_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaximumExposureToCreditRisk</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ExposureToCreditRiskNumberOfTranches">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Exposure To Credit Risk, Number Of Tranches</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ExposureToCreditRiskNumberOfTranches</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersIncludingProvisionsForUndrawnAuthorizedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersIncludingProvisionsForUndrawnAuthorizedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CreditQualityAxis=san_FromAAAToAAMember">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CreditQualityAxis=san_FromAAAToAAMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td style="white-space:nowrap;">san_CreditQualityAxis=san_FromAToBBMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CreditQualityAxis=san_FromBBToBMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td style="white-space:nowrap;">san_CreditQualityAxis=san_CCCAndBelowMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Risk management - Schedule of exposure and impairment losses by stage, by entity (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;) </div>
<div>tranches</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExposureToCreditRiskNumberOfTranches', window );">Number of tranches | tranches</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 888,496<span></span>
</td>
<td class="nump">&#8364; 908,963<span></span>
</td>
<td class="nump">&#8364; 914,491<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(300,026)<span></span>
</td>
<td class="num">(283,497)<span></span>
</td>
<td class="num">(243,203)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember', window );">Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(1,037,288)<span></span>
</td>
<td class="num">(1,054,069)<span></span>
</td>
<td class="num">(1,036,349)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">520<span></span>
</td>
<td class="nump">349<span></span>
</td>
<td class="nump">286<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">21,158<span></span>
</td>
<td class="nump">22,125<span></span>
</td>
<td class="nump">22,788<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">21,158<span></span>
</td>
<td class="nump">22,125<span></span>
</td>
<td class="nump">22,788<span></span>
</td>
<td class="nump">&#8364; 22,684<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 21,158<span></span>
</td>
<td class="nump">22,125<span></span>
</td>
<td class="nump">22,788<span></span>
</td>
<td class="nump">22,684<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExposureToCreditRiskNumberOfTranches', window );">Number of tranches | tranches</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 201,013<span></span>
</td>
<td class="nump">198,936<span></span>
</td>
<td class="nump">205,994<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">1,086<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">3,069<span></span>
</td>
<td class="nump">3,863<span></span>
</td>
<td class="nump">3,922<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember', window );">Financial instruments not credit-impaired | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">7,631<span></span>
</td>
<td class="nump">8,037<span></span>
</td>
<td class="nump">8,550<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember', window );">Financial instruments credit-impaired | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">13,527<span></span>
</td>
<td class="nump">14,088<span></span>
</td>
<td class="nump">14,238<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember', window );">Stage 1 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">779,109<span></span>
</td>
<td class="nump">800,360<span></span>
</td>
<td class="nump">807,228<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember', window );">Stage 1 | Financial instruments not credit-impaired | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">3,000<span></span>
</td>
<td class="nump">3,293<span></span>
</td>
<td class="nump">3,596<span></span>
</td>
<td class="nump">3,626<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember', window );">Stage 1 | Financial instruments not credit-impaired | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">183,686<span></span>
</td>
<td class="nump">179,041<span></span>
</td>
<td class="nump">183,324<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember', window );">Stage 1 | Financial instruments not credit-impaired | Spain | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">382<span></span>
</td>
<td class="nump">340<span></span>
</td>
<td class="nump">300<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Stage 2 and 3 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">78,112<span></span>
</td>
<td class="nump">77,330<span></span>
</td>
<td class="nump">74,808<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Stage 2 and 3 | Financial instruments not credit-impaired | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">4,631<span></span>
</td>
<td class="nump">4,744<span></span>
</td>
<td class="nump">4,954<span></span>
</td>
<td class="nump">5,127<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Stage 2 and 3 | Financial instruments not credit-impaired | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">11,566<span></span>
</td>
<td class="nump">13,277<span></span>
</td>
<td class="nump">15,134<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Stage 2 and 3 | Financial instruments not credit-impaired | Spain | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">483<span></span>
</td>
<td class="nump">570<span></span>
</td>
<td class="nump">663<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Stage 2 and 3 | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">31,275<span></span>
</td>
<td class="nump">31,273<span></span>
</td>
<td class="nump">32,455<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Stage 2 and 3 | Financial instruments credit-impaired | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">13,527<span></span>
</td>
<td class="nump">14,088<span></span>
</td>
<td class="nump">14,238<span></span>
</td>
<td class="nump">&#8364; 13,931<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Stage 2 and 3 | Financial instruments credit-impaired | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">5,761<span></span>
</td>
<td class="nump">6,618<span></span>
</td>
<td class="nump">7,536<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember', window );">Stage 2 and 3 | Financial instruments credit-impaired | Spain | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">2,204<span></span>
</td>
<td class="nump">2,953<span></span>
</td>
<td class="nump">2,959<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAAAToAAMember', window );">From AAA to AA-</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">115,038<span></span>
</td>
<td class="nump">104,958<span></span>
</td>
<td class="nump">143,029<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAAAToAAMember', window );">From AAA to AA- | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">35,578<span></span>
</td>
<td class="nump">35,457<span></span>
</td>
<td class="nump">46,875<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAAAToAAMember', window );">From AAA to AA- | Stage 1 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">112,795<span></span>
</td>
<td class="nump">102,394<span></span>
</td>
<td class="nump">140,792<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAAAToAAMember', window );">From AAA to AA- | Stage 1 | Financial instruments not credit-impaired | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">35,407<span></span>
</td>
<td class="nump">35,347<span></span>
</td>
<td class="nump">46,827<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAAAToAAMember', window );">From AAA to AA- | Stage 2 and 3 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">2,243<span></span>
</td>
<td class="nump">2,564<span></span>
</td>
<td class="nump">2,237<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAAAToAAMember', window );">From AAA to AA- | Stage 2 and 3 | Financial instruments not credit-impaired | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">171<span></span>
</td>
<td class="nump">110<span></span>
</td>
<td class="nump">48<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAAAToAAMember', window );">From AAA to AA- | Stage 2 and 3 | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAAAToAAMember', window );">From AAA to AA- | Stage 2 and 3 | Financial instruments credit-impaired | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAToBBMember', window );">From A+ to BB</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">381,579<span></span>
</td>
<td class="nump">426,837<span></span>
</td>
<td class="nump">417,930<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAToBBMember', window );">From A+ to BB | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">110,454<span></span>
</td>
<td class="nump">105,321<span></span>
</td>
<td class="nump">101,859<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAToBBMember', window );">From A+ to BB | Stage 1 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">367,186<span></span>
</td>
<td class="nump">411,158<span></span>
</td>
<td class="nump">404,184<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAToBBMember', window );">From A+ to BB | Stage 1 | Financial instruments not credit-impaired | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">109,001<span></span>
</td>
<td class="nump">104,197<span></span>
</td>
<td class="nump">101,079<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAToBBMember', window );">From A+ to BB | Stage 2 and 3 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">14,393<span></span>
</td>
<td class="nump">15,678<span></span>
</td>
<td class="nump">13,746<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAToBBMember', window );">From A+ to BB | Stage 2 and 3 | Financial instruments not credit-impaired | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">1,453<span></span>
</td>
<td class="nump">1,124<span></span>
</td>
<td class="nump">780<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAToBBMember', window );">From A+ to BB | Stage 2 and 3 | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromAToBBMember', window );">From A+ to BB | Stage 2 and 3 | Financial instruments credit-impaired | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromBBToBMember', window );">From BB- to B-</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">335,376<span></span>
</td>
<td class="nump">318,878<span></span>
</td>
<td class="nump">290,599<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromBBToBMember', window );">From BB- to B- | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">45,351<span></span>
</td>
<td class="nump">46,257<span></span>
</td>
<td class="nump">43,694<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromBBToBMember', window );">From BB- to B- | Stage 1 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">291,014<span></span>
</td>
<td class="nump">276,422<span></span>
</td>
<td class="nump">250,619<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromBBToBMember', window );">From BB- to B- | Stage 1 | Financial instruments not credit-impaired | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">37,089<span></span>
</td>
<td class="nump">37,413<span></span>
</td>
<td class="nump">33,905<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromBBToBMember', window );">From BB- to B- | Stage 2 and 3 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">44,363<span></span>
</td>
<td class="nump">42,456<span></span>
</td>
<td class="nump">39,979<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromBBToBMember', window );">From BB- to B- | Stage 2 and 3 | Financial instruments not credit-impaired | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">8,262<span></span>
</td>
<td class="nump">8,844<span></span>
</td>
<td class="nump">9,789<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromBBToBMember', window );">From BB- to B- | Stage 2 and 3 | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_FromBBToBMember', window );">From BB- to B- | Stage 2 and 3 | Financial instruments credit-impaired | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_CCCAndBelowMember', window );">CCC and below</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">56,503<span></span>
</td>
<td class="nump">58,291<span></span>
</td>
<td class="nump">62,933<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_CCCAndBelowMember', window );">CCC and below | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">9,630<span></span>
</td>
<td class="nump">11,901<span></span>
</td>
<td class="nump">13,566<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_CCCAndBelowMember', window );">CCC and below | Stage 1 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">8,114<span></span>
</td>
<td class="nump">10,385<span></span>
</td>
<td class="nump">11,633<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_CCCAndBelowMember', window );">CCC and below | Stage 1 | Financial instruments not credit-impaired | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">2,189<span></span>
</td>
<td class="nump">2,084<span></span>
</td>
<td class="nump">1,513<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_CCCAndBelowMember', window );">CCC and below | Stage 2 and 3 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">17,114<span></span>
</td>
<td class="nump">16,633<span></span>
</td>
<td class="nump">18,846<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_CCCAndBelowMember', window );">CCC and below | Stage 2 and 3 | Financial instruments not credit-impaired | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">1,680<span></span>
</td>
<td class="nump">3,199<span></span>
</td>
<td class="nump">4,517<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_CCCAndBelowMember', window );">CCC and below | Stage 2 and 3 | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">31,275<span></span>
</td>
<td class="nump">31,273<span></span>
</td>
<td class="nump">32,455<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CreditQualityAxis=san_CCCAndBelowMember', window );">CCC and below | Stage 2 and 3 | Financial instruments credit-impaired | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 5,761<span></span>
</td>
<td class="nump">6,618<span></span>
</td>
<td class="nump">7,536<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExposureToCreditRiskNumberOfTranches', window );">Number of tranches | tranches</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 222,346<span></span>
</td>
<td class="nump">236,850<span></span>
</td>
<td class="nump">235,344<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">855<span></span>
</td>
<td class="nump">967<span></span>
</td>
<td class="nump">1,066<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | Stage 1 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">200,576<span></span>
</td>
<td class="nump">209,588<span></span>
</td>
<td class="nump">205,708<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | Stage 1 | Financial instruments not credit-impaired | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">163<span></span>
</td>
<td class="nump">166<span></span>
</td>
<td class="nump">172<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | Stage 2 and 3 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">19,295<span></span>
</td>
<td class="nump">23,970<span></span>
</td>
<td class="nump">26,118<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | Stage 2 and 3 | Financial instruments not credit-impaired | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">319<span></span>
</td>
<td class="nump">401<span></span>
</td>
<td class="nump">498<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | Stage 2 and 3 | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">2,475<span></span>
</td>
<td class="nump">3,292<span></span>
</td>
<td class="nump">3,518<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | Stage 2 and 3 | Financial instruments credit-impaired | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">373<span></span>
</td>
<td class="nump">400<span></span>
</td>
<td class="nump">396<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | From AAA to AA-</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">30,344<span></span>
</td>
<td class="nump">33,196<span></span>
</td>
<td class="nump">47,509<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | From AAA to AA- | Stage 1 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">29,963<span></span>
</td>
<td class="nump">32,012<span></span>
</td>
<td class="nump">46,236<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | From AAA to AA- | Stage 2 and 3 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">381<span></span>
</td>
<td class="nump">1,184<span></span>
</td>
<td class="nump">1,273<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | From AAA to AA- | Stage 2 and 3 | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | From A+ to BB</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">162,510<span></span>
</td>
<td class="nump">170,886<span></span>
</td>
<td class="nump">156,734<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | From A+ to BB | Stage 1 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">152,981<span></span>
</td>
<td class="nump">159,970<span></span>
</td>
<td class="nump">145,884<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | From A+ to BB | Stage 2 and 3 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">9,529<span></span>
</td>
<td class="nump">10,916<span></span>
</td>
<td class="nump">10,850<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | From A+ to BB | Stage 2 and 3 | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | From BB- to B-</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">26,400<span></span>
</td>
<td class="nump">28,769<span></span>
</td>
<td class="nump">27,583<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | From BB- to B- | Stage 1 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">17,630<span></span>
</td>
<td class="nump">17,594<span></span>
</td>
<td class="nump">13,588<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | From BB- to B- | Stage 2 and 3 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">8,770<span></span>
</td>
<td class="nump">11,175<span></span>
</td>
<td class="nump">13,995<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | From BB- to B- | Stage 2 and 3 | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | CCC and below</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">3,092<span></span>
</td>
<td class="nump">3,999<span></span>
</td>
<td class="nump">3,518<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | CCC and below | Stage 1 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | CCC and below | Stage 2 and 3 | Financial instruments not credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">615<span></span>
</td>
<td class="nump">695<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | CCC and below | Stage 2 and 3 | Financial instruments credit-impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 2,475<span></span>
</td>
<td class="nump">3,292<span></span>
</td>
<td class="nump">3,518<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | US</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExposureToCreditRiskNumberOfTranches', window );">Number of tranches | tranches</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 45,741<span></span>
</td>
<td class="nump">54,243<span></span>
</td>
<td class="nump">55,984<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | US | Total North America | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">804<span></span>
</td>
<td class="nump">838<span></span>
</td>
<td class="nump">885<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | Stage 1 | Financial instruments not credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">38,511<span></span>
</td>
<td class="nump">47,569<span></span>
</td>
<td class="nump">50,666<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | Stage 1 | Financial instruments not credit-impaired | US | Total North America | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">277<span></span>
</td>
<td class="nump">292<span></span>
</td>
<td class="nump">409<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | Stage 2 and 3 | Financial instruments not credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">6,072<span></span>
</td>
<td class="nump">5,544<span></span>
</td>
<td class="nump">4,424<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | Stage 2 and 3 | Financial instruments not credit-impaired | US | Total North America | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">325<span></span>
</td>
<td class="nump">364<span></span>
</td>
<td class="nump">335<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | Stage 2 and 3 | Financial instruments credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">1,158<span></span>
</td>
<td class="nump">1,130<span></span>
</td>
<td class="nump">894<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | Stage 2 and 3 | Financial instruments credit-impaired | US | Total North America | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">202<span></span>
</td>
<td class="nump">182<span></span>
</td>
<td class="nump">141<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | From AAA to AA- | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">1,646<span></span>
</td>
<td class="nump">4,492<span></span>
</td>
<td class="nump">4,910<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | From AAA to AA- | Stage 1 | Financial instruments not credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">1,622<span></span>
</td>
<td class="nump">4,215<span></span>
</td>
<td class="nump">4,834<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | From AAA to AA- | Stage 2 and 3 | Financial instruments not credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">24<span></span>
</td>
<td class="nump">277<span></span>
</td>
<td class="nump">76<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | From AAA to AA- | Stage 2 and 3 | Financial instruments credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | From A+ to BB | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">8,080<span></span>
</td>
<td class="nump">22,352<span></span>
</td>
<td class="nump">20,927<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | From A+ to BB | Stage 1 | Financial instruments not credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">7,352<span></span>
</td>
<td class="nump">21,422<span></span>
</td>
<td class="nump">20,468<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | From A+ to BB | Stage 2 and 3 | Financial instruments not credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">728<span></span>
</td>
<td class="nump">930<span></span>
</td>
<td class="nump">459<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | From A+ to BB | Stage 2 and 3 | Financial instruments credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | From BB- to B- | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">33,217<span></span>
</td>
<td class="nump">25,754<span></span>
</td>
<td class="nump">28,751<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | From BB- to B- | Stage 1 | Financial instruments not credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">28,758<span></span>
</td>
<td class="nump">21,899<span></span>
</td>
<td class="nump">25,312<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | From BB- to B- | Stage 2 and 3 | Financial instruments not credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">4,459<span></span>
</td>
<td class="nump">3,855<span></span>
</td>
<td class="nump">3,439<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | From BB- to B- | Stage 2 and 3 | Financial instruments credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | CCC and below | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">2,798<span></span>
</td>
<td class="nump">1,645<span></span>
</td>
<td class="nump">1,396<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | CCC and below | Stage 1 | Financial instruments not credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">779<span></span>
</td>
<td class="nump">33<span></span>
</td>
<td class="nump">52<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | CCC and below | Stage 2 and 3 | Financial instruments not credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">861<span></span>
</td>
<td class="nump">482<span></span>
</td>
<td class="nump">450<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember', window );">Santander Bank, National Association | CCC and below | Stage 2 and 3 | Financial instruments credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 1,158<span></span>
</td>
<td class="nump">1,130<span></span>
</td>
<td class="nump">894<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExposureToCreditRiskNumberOfTranches', window );">Number of tranches | tranches</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 25,204<span></span>
</td>
<td class="nump">30,669<span></span>
</td>
<td class="nump">28,877<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | US | Total North America | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">3,017<span></span>
</td>
<td class="nump">3,544<span></span>
</td>
<td class="nump">3,328<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | Stage 1 | Financial instruments not credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">13,798<span></span>
</td>
<td class="nump">20,263<span></span>
</td>
<td class="nump">18,973<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | Stage 1 | Financial instruments not credit-impaired | US | Total North America | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">419<span></span>
</td>
<td class="nump">630<span></span>
</td>
<td class="nump">597<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | Stage 2 and 3 | Financial instruments not credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">5,818<span></span>
</td>
<td class="nump">4,677<span></span>
</td>
<td class="nump">4,632<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | Stage 2 and 3 | Financial instruments not credit-impaired | US | Total North America | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">910<span></span>
</td>
<td class="nump">1,006<span></span>
</td>
<td class="nump">1,019<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | Stage 2 and 3 | Financial instruments credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">5,588<span></span>
</td>
<td class="nump">5,729<span></span>
</td>
<td class="nump">5,272<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | Stage 2 and 3 | Financial instruments credit-impaired | US | Total North America | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">1,688<span></span>
</td>
<td class="nump">1,908<span></span>
</td>
<td class="nump">1,712<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | From AAA to AA- | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | From AAA to AA- | Stage 1 | Financial instruments not credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | From AAA to AA- | Stage 2 and 3 | Financial instruments not credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | From AAA to AA- | Stage 2 and 3 | Financial instruments credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | From A+ to BB | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">54<span></span>
</td>
<td class="nump">202<span></span>
</td>
<td class="nump">99<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | From A+ to BB | Stage 1 | Financial instruments not credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">54<span></span>
</td>
<td class="nump">202<span></span>
</td>
<td class="nump">99<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | From A+ to BB | Stage 2 and 3 | Financial instruments not credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | From A+ to BB | Stage 2 and 3 | Financial instruments credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | From BB- to B- | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">11,114<span></span>
</td>
<td class="nump">13,253<span></span>
</td>
<td class="nump">12,515<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | From BB- to B- | Stage 1 | Financial instruments not credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">10,167<span></span>
</td>
<td class="nump">12,802<span></span>
</td>
<td class="nump">12,120<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | From BB- to B- | Stage 2 and 3 | Financial instruments not credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">947<span></span>
</td>
<td class="nump">451<span></span>
</td>
<td class="nump">395<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | From BB- to B- | Stage 2 and 3 | Financial instruments credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | CCC and below | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">14,036<span></span>
</td>
<td class="nump">17,214<span></span>
</td>
<td class="nump">16,263<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | CCC and below | Stage 1 | Financial instruments not credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">3,577<span></span>
</td>
<td class="nump">7,259<span></span>
</td>
<td class="nump">6,754<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | CCC and below | Stage 2 and 3 | Financial instruments not credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">4,871<span></span>
</td>
<td class="nump">4,226<span></span>
</td>
<td class="nump">4,237<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember', window );">Santander Consumer USA Holdings Inc. | CCC and below | Stage 2 and 3 | Financial instruments credit-impaired | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 5,588<span></span>
</td>
<td class="nump">5,729<span></span>
</td>
<td class="nump">5,272<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExposureToCreditRiskNumberOfTranches', window );">Number of tranches | tranches</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 104,136<span></span>
</td>
<td class="nump">103,541<span></span>
</td>
<td class="nump">113,409<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | Brazil | Total South America | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">5,992<span></span>
</td>
<td class="nump">5,313<span></span>
</td>
<td class="nump">6,338<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | Stage 1 | Financial instruments not credit-impaired | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">83,383<span></span>
</td>
<td class="nump">86,459<span></span>
</td>
<td class="nump">96,799<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | Stage 1 | Financial instruments not credit-impaired | Brazil | Total South America | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">648<span></span>
</td>
<td class="nump">687<span></span>
</td>
<td class="nump">722<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | Stage 2 and 3 | Financial instruments not credit-impaired | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">13,602<span></span>
</td>
<td class="nump">10,700<span></span>
</td>
<td class="nump">9,131<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | Stage 2 and 3 | Financial instruments not credit-impaired | Brazil | Total South America | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">1,128<span></span>
</td>
<td class="nump">860<span></span>
</td>
<td class="nump">1,078<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | Stage 2 and 3 | Financial instruments credit-impaired | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">7,151<span></span>
</td>
<td class="nump">6,382<span></span>
</td>
<td class="nump">7,479<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | Stage 2 and 3 | Financial instruments credit-impaired | Brazil | Total South America | Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income | Customers</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">4,216<span></span>
</td>
<td class="nump">3,766<span></span>
</td>
<td class="nump">4,538<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | From AAA to AA- | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">18,411<span></span>
</td>
<td class="nump">20,527<span></span>
</td>
<td class="nump">21,138<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | From AAA to AA- | Stage 1 | Financial instruments not credit-impaired | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">16,898<span></span>
</td>
<td class="nump">19,557<span></span>
</td>
<td class="nump">20,670<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | From AAA to AA- | Stage 2 and 3 | Financial instruments not credit-impaired | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">1,513<span></span>
</td>
<td class="nump">970<span></span>
</td>
<td class="nump">468<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | From AAA to AA- | Stage 2 and 3 | Financial instruments credit-impaired | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | From A+ to BB | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">30,432<span></span>
</td>
<td class="nump">34,461<span></span>
</td>
<td class="nump">39,620<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | From A+ to BB | Stage 1 | Financial instruments not credit-impaired | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">29,179<span></span>
</td>
<td class="nump">32,824<span></span>
</td>
<td class="nump">38,869<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | From A+ to BB | Stage 2 and 3 | Financial instruments not credit-impaired | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">1,253<span></span>
</td>
<td class="nump">1,637<span></span>
</td>
<td class="nump">751<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | From A+ to BB | Stage 2 and 3 | Financial instruments credit-impaired | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | From BB- to B- | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">43,124<span></span>
</td>
<td class="nump">38,940<span></span>
</td>
<td class="nump">40,284<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | From BB- to B- | Stage 1 | Financial instruments not credit-impaired | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">36,089<span></span>
</td>
<td class="nump">33,655<span></span>
</td>
<td class="nump">36,107<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | From BB- to B- | Stage 2 and 3 | Financial instruments not credit-impaired | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">7,035<span></span>
</td>
<td class="nump">5,285<span></span>
</td>
<td class="nump">4,177<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | From BB- to B- | Stage 2 and 3 | Financial instruments credit-impaired | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | CCC and below | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">12,169<span></span>
</td>
<td class="nump">9,613<span></span>
</td>
<td class="nump">12,367<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | CCC and below | Stage 1 | Financial instruments not credit-impaired | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">1,217<span></span>
</td>
<td class="nump">423<span></span>
</td>
<td class="nump">1,153<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | CCC and below | Stage 2 and 3 | Financial instruments not credit-impaired | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">3,801<span></span>
</td>
<td class="nump">2,808<span></span>
</td>
<td class="nump">3,735<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember', window );">Banco Santander (Brasil) S.A. | CCC and below | Stage 2 and 3 | Financial instruments credit-impaired | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum exposure to credit risk</a></td>
<td class="nump">&#8364; 7,151<span></span>
</td>
<td class="nump">&#8364; 6,382<span></span>
</td>
<td class="nump">&#8364; 7,479<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfCreditRiskExposureLineItems</td>
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<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaximumExposureToCreditRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount that best represents the maximum exposure to credit risk without taking into account any collateral held or other credit enhancements (for example, netting agreements that do not qualify for offset in accordance with IAS 32). [Refer: Credit risk [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35K<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35K_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaximumExposureToCreditRisk</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ExposureToCreditRiskNumberOfTranches">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Exposure To Credit Risk, Number Of Tranches</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ExposureToCreditRiskNumberOfTranches</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsAtAmortisedCostAndFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CreditQualityAxis=san_FromAAAToAAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CreditQualityAxis=san_FromAAAToAAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CreditQualityAxis=san_FromAToBBMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CreditQualityAxis=san_FromAToBBMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CreditQualityAxis=san_FromBBToBMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CreditQualityAxis=san_FromBBToBMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CreditQualityAxis=san_CCCAndBelowMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CreditQualityAxis=san_CCCAndBelowMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_US</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=srt_NorthAmericaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=srt_NorthAmericaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_BR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_BR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=srt_SouthAmericaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=srt_SouthAmericaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Risk management - Schedule of evolution projection based on main macroeconomic indicators, by entity (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2025</div></th></tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EvolutionProjectionPeriod', window );">Evolution projection period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | Pessimistic scenario&#160;2</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesInterestRate', window );">Interest rate</a></td>
<td class="nump">2.40%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesUnemploymentRate', window );">Unemployment rate</a></td>
<td class="nump">7.30%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesHousingPriceChangeRate', window );">Housing price change</a></td>
<td class="num">(2.90%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesGDPGrowthRate', window );">GDP growth</a></td>
<td class="num">(0.02%)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | Pessimistic scenario&#160;1</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesInterestRate', window );">Interest rate</a></td>
<td class="nump">3.50%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesUnemploymentRate', window );">Unemployment rate</a></td>
<td class="nump">5.80%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesHousingPriceChangeRate', window );">Housing price change</a></td>
<td class="num">(0.20%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesGDPGrowthRate', window );">GDP growth</a></td>
<td class="nump">0.20%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | Base scenario</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesInterestRate', window );">Interest rate</a></td>
<td class="nump">3.30%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesUnemploymentRate', window );">Unemployment rate</a></td>
<td class="nump">4.50%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesHousingPriceChangeRate', window );">Housing price change</a></td>
<td class="nump">2.90%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesGDPGrowthRate', window );">GDP growth</a></td>
<td class="nump">1.40%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember', window );">Santander UK plc | Optimistic scenario&#160;</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesInterestRate', window );">Interest rate</a></td>
<td class="nump">3.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesUnemploymentRate', window );">Unemployment rate</a></td>
<td class="nump">4.20%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesHousingPriceChangeRate', window );">Housing price change</a></td>
<td class="nump">4.40%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesGDPGrowthRate', window );">GDP growth</a></td>
<td class="nump">2.40%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EvolutionProjectionPeriod', window );">Evolution projection period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Pessimistic scenario&#160;</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesInterestRate', window );">Interest rate</a></td>
<td class="nump">2.70%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesUnemploymentRate', window );">Unemployment rate</a></td>
<td class="nump">12.10%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesHousingPriceChangeRate', window );">Housing price change</a></td>
<td class="nump">3.30%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesGDPGrowthRate', window );">GDP growth</a></td>
<td class="nump">0.20%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Base scenario</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesInterestRate', window );">Interest rate</a></td>
<td class="nump">2.50%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesUnemploymentRate', window );">Unemployment rate</a></td>
<td class="nump">9.70%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesHousingPriceChangeRate', window );">Housing price change</a></td>
<td class="nump">4.10%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesGDPGrowthRate', window );">GDP growth</a></td>
<td class="nump">1.60%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Optimistic scenario&#160;</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesInterestRate', window );">Interest rate</a></td>
<td class="nump">2.30%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesUnemploymentRate', window );">Unemployment rate</a></td>
<td class="nump">8.20%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesHousingPriceChangeRate', window );">Housing price change</a></td>
<td class="nump">4.70%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesGDPGrowthRate', window );">GDP growth</a></td>
<td class="nump">2.40%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Santander Bank, National Association | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EvolutionProjectionPeriod', window );">Evolution projection period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Santander Bank, National Association | Pessimistic scenario&#160;2 | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesInterestRate', window );">Interest rate</a></td>
<td class="nump">1.80%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesUnemploymentRate', window );">Unemployment rate</a></td>
<td class="nump">6.40%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesHousingPriceChangeRate', window );">Housing price change</a></td>
<td class="nump">0.20%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesGDPGrowthRate', window );">GDP growth</a></td>
<td class="nump">1.70%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesManheimGrowthRate', window );">Manheim growth</a></td>
<td class="num">(0.60%)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Santander Bank, National Association | Pessimistic scenario&#160;1 | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesInterestRate', window );">Interest rate</a></td>
<td class="nump">2.60%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesUnemploymentRate', window );">Unemployment rate</a></td>
<td class="nump">5.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesHousingPriceChangeRate', window );">Housing price change</a></td>
<td class="nump">0.70%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesGDPGrowthRate', window );">GDP growth</a></td>
<td class="nump">1.90%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesManheimGrowthRate', window );">Manheim growth</a></td>
<td class="num">(0.10%)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Santander Bank, National Association | Base scenario | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesInterestRate', window );">Interest rate</a></td>
<td class="nump">3.20%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesUnemploymentRate', window );">Unemployment rate</a></td>
<td class="nump">4.20%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesHousingPriceChangeRate', window );">Housing price change</a></td>
<td class="nump">1.30%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesGDPGrowthRate', window );">GDP growth</a></td>
<td class="nump">2.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesManheimGrowthRate', window );">Manheim growth</a></td>
<td class="nump">0.30%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Santander Bank, National Association | Optimistic scenario&#160; | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesInterestRate', window );">Interest rate</a></td>
<td class="nump">3.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesUnemploymentRate', window );">Unemployment rate</a></td>
<td class="nump">3.70%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesHousingPriceChangeRate', window );">Housing price change</a></td>
<td class="nump">2.10%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesGDPGrowthRate', window );">GDP growth</a></td>
<td class="nump">2.70%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesManheimGrowthRate', window );">Manheim growth</a></td>
<td class="nump">0.10%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Santander Consumer USA Holdings Inc. | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EvolutionProjectionPeriod', window );">Evolution projection period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Santander Consumer USA Holdings Inc. | Pessimistic scenario&#160;2 | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesInterestRate', window );">Interest rate</a></td>
<td class="nump">1.80%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesUnemploymentRate', window );">Unemployment rate</a></td>
<td class="nump">6.40%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesHousingPriceChangeRate', window );">Housing price change</a></td>
<td class="nump">0.20%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesGDPGrowthRate', window );">GDP growth</a></td>
<td class="nump">1.70%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesManheimIndex', window );">Manheim index</a></td>
<td class="num">(0.60%)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Santander Consumer USA Holdings Inc. | Pessimistic scenario&#160;1 | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesInterestRate', window );">Interest rate</a></td>
<td class="nump">2.60%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesUnemploymentRate', window );">Unemployment rate</a></td>
<td class="nump">5.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesHousingPriceChangeRate', window );">Housing price change</a></td>
<td class="nump">0.70%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesGDPGrowthRate', window );">GDP growth</a></td>
<td class="nump">1.90%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesManheimIndex', window );">Manheim index</a></td>
<td class="num">(0.10%)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Santander Consumer USA Holdings Inc. | Base scenario | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesInterestRate', window );">Interest rate</a></td>
<td class="nump">3.20%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesUnemploymentRate', window );">Unemployment rate</a></td>
<td class="nump">4.20%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesHousingPriceChangeRate', window );">Housing price change</a></td>
<td class="nump">1.30%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesGDPGrowthRate', window );">GDP growth</a></td>
<td class="nump">2.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesManheimIndex', window );">Manheim index</a></td>
<td class="nump">0.30%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_US', window );">US | Santander Consumer USA Holdings Inc. | Optimistic scenario&#160; | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesInterestRate', window );">Interest rate</a></td>
<td class="nump">3.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesUnemploymentRate', window );">Unemployment rate</a></td>
<td class="nump">3.70%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesHousingPriceChangeRate', window );">Housing price change</a></td>
<td class="nump">2.10%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesGDPGrowthRate', window );">GDP growth</a></td>
<td class="nump">2.70%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesManheimIndex', window );">Manheim index</a></td>
<td class="nump">0.10%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EvolutionProjectionPeriod', window );">Evolution projection period</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Banco Santander (Brasil) S.A. | Pessimistic scenario&#160; | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesInterestRate', window );">Interest rate</a></td>
<td class="nump">11.50%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesUnemploymentRate', window );">Unemployment rate</a></td>
<td class="nump">8.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesHousingPriceChangeRate', window );">Housing price change</a></td>
<td class="nump">1.10%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesGDPGrowthRate', window );">GDP growth</a></td>
<td class="num">(0.20%)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesBurdenIncomeRate', window );">Burden income</a></td>
<td class="nump">27.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Banco Santander (Brasil) S.A. | Base scenario | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesInterestRate', window );">Interest rate</a></td>
<td class="nump">10.90%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesUnemploymentRate', window );">Unemployment rate</a></td>
<td class="nump">6.50%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesHousingPriceChangeRate', window );">Housing price change</a></td>
<td class="nump">5.90%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesGDPGrowthRate', window );">GDP growth</a></td>
<td class="nump">1.90%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesBurdenIncomeRate', window );">Burden income</a></td>
<td class="nump">26.80%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=country_BR', window );">Brazil | Banco Santander (Brasil) S.A. | Optimistic scenario&#160; | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesInterestRate', window );">Interest rate</a></td>
<td class="nump">10.30%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesUnemploymentRate', window );">Unemployment rate</a></td>
<td class="nump">5.40%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesHousingPriceChangeRate', window );">Housing price change</a></td>
<td class="nump">10.30%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesGDPGrowthRate', window );">GDP growth</a></td>
<td class="nump">3.80%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EstimationOfExpectedLossesBurdenIncomeRate', window );">Burden income</a></td>
<td class="nump">26.10%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfCreditRiskExposureLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EstimationOfExpectedLossesBurdenIncomeRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Estimation Of Expected Losses, Burden Income Rate</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EstimationOfExpectedLossesBurdenIncomeRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EstimationOfExpectedLossesGDPGrowthRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the GDP growth rate percentage in the estimation of expected credit losses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EstimationOfExpectedLossesGDPGrowthRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EstimationOfExpectedLossesHousingPriceChangeRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the housing price change rate percentage in the estimation of expected credit losses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EstimationOfExpectedLossesHousingPriceChangeRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EstimationOfExpectedLossesInterestRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the interest rate percentage in the estimation of expected credit losses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EstimationOfExpectedLossesInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EstimationOfExpectedLossesManheimGrowthRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Estimation Of Expected Losses, Manheim Growth Rate</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EstimationOfExpectedLossesManheimGrowthRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EstimationOfExpectedLossesManheimIndex">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Estimation Of Expected Losses, Manheim Index</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EstimationOfExpectedLossesManheimIndex</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EstimationOfExpectedLossesUnemploymentRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the unemployment rate percentage in the estimation of expected credit losses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EstimationOfExpectedLossesUnemploymentRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EvolutionProjectionPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the evolution of macroeconomic scenarios projection period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EvolutionProjectionPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementScenarioAxis=san_PessimisticScenarioTwoMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementScenarioAxis=san_PessimisticScenarioTwoMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementScenarioAxis=san_PessimisticScenarioOneMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementScenarioAxis=san_PessimisticScenarioOneMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementScenarioAxis=san_BaseScenarioMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementScenarioAxis=san_BaseScenarioMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementScenarioAxis=san_OptimisticScenarioMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementScenarioAxis=san_OptimisticScenarioMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementScenarioAxis=san_PessimisticScenarioMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementScenarioAxis=san_PessimisticScenarioMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_US</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=srt_NorthAmericaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=srt_NorthAmericaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_BR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_BR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=srt_SouthAmericaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Risk management - Schedule of weights used for current political and economic positions, by entity (Details)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementScenarioAxis=san_PessimisticScenarioThreeMember', window );">Pessimistic scenario&#160;3 | Santander UK plc</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios', window );">Percentage of weightings associated with the macroeconomic scenarios</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">20.00%<span></span>
</td>
<td class="nump">20.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementScenarioAxis=san_PessimisticScenarioTwoMember', window );">Pessimistic scenario&#160;2 | Santander UK plc</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios', window );">Percentage of weightings associated with the macroeconomic scenarios</a></td>
<td class="nump">10.00%<span></span>
</td>
<td class="nump">10.00%<span></span>
</td>
<td class="nump">10.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementScenarioAxis=san_PessimisticScenarioTwoMember', window );">Pessimistic scenario&#160;2 | Santander Bank, National Association | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios', window );">Percentage of weightings associated with the macroeconomic scenarios</a></td>
<td class="nump">18.00%<span></span>
</td>
<td class="nump">18.00%<span></span>
</td>
<td class="nump">18.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementScenarioAxis=san_PessimisticScenarioTwoMember', window );">Pessimistic scenario&#160;2 | Santander Consumer USA Holdings Inc. | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios', window );">Percentage of weightings associated with the macroeconomic scenarios</a></td>
<td class="nump">18.00%<span></span>
</td>
<td class="nump">18.00%<span></span>
</td>
<td class="nump">18.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementScenarioAxis=san_PessimisticScenarioOneMember', window );">Pessimistic scenario&#160;1 | Santander UK plc</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios', window );">Percentage of weightings associated with the macroeconomic scenarios</a></td>
<td class="nump">25.00%<span></span>
</td>
<td class="nump">25.00%<span></span>
</td>
<td class="nump">10.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementScenarioAxis=san_PessimisticScenarioOneMember', window );">Pessimistic scenario&#160;1 | Santander Bank, National Association | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios', window );">Percentage of weightings associated with the macroeconomic scenarios</a></td>
<td class="nump">20.00%<span></span>
</td>
<td class="nump">20.00%<span></span>
</td>
<td class="nump">20.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementScenarioAxis=san_PessimisticScenarioOneMember', window );">Pessimistic scenario&#160;1 | Santander Consumer USA Holdings Inc. | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios', window );">Percentage of weightings associated with the macroeconomic scenarios</a></td>
<td class="nump">20.00%<span></span>
</td>
<td class="nump">20.00%<span></span>
</td>
<td class="nump">20.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementScenarioAxis=san_BaseScenarioMember', window );">Base scenario | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios', window );">Percentage of weightings associated with the macroeconomic scenarios</a></td>
<td class="nump">40.00%<span></span>
</td>
<td class="nump">40.00%<span></span>
</td>
<td class="nump">40.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementScenarioAxis=san_BaseScenarioMember', window );">Base scenario | Santander UK plc</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios', window );">Percentage of weightings associated with the macroeconomic scenarios</a></td>
<td class="nump">50.00%<span></span>
</td>
<td class="nump">50.00%<span></span>
</td>
<td class="nump">50.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementScenarioAxis=san_BaseScenarioMember', window );">Base scenario | Santander Bank, National Association | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios', window );">Percentage of weightings associated with the macroeconomic scenarios</a></td>
<td class="nump">33.00%<span></span>
</td>
<td class="nump">33.00%<span></span>
</td>
<td class="nump">33.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementScenarioAxis=san_BaseScenarioMember', window );">Base scenario | Santander Consumer USA Holdings Inc. | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios', window );">Percentage of weightings associated with the macroeconomic scenarios</a></td>
<td class="nump">33.00%<span></span>
</td>
<td class="nump">33.00%<span></span>
</td>
<td class="nump">33.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementScenarioAxis=san_BaseScenarioMember', window );">Base scenario | Banco Santander (Brasil) S.A. | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios', window );">Percentage of weightings associated with the macroeconomic scenarios</a></td>
<td class="nump">75.00%<span></span>
</td>
<td class="nump">75.00%<span></span>
</td>
<td class="nump">80.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementScenarioAxis=san_OptimisticScenarioMember', window );">Optimistic scenario&#160; | Santander UK plc</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios', window );">Percentage of weightings associated with the macroeconomic scenarios</a></td>
<td class="nump">15.00%<span></span>
</td>
<td class="nump">15.00%<span></span>
</td>
<td class="nump">10.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementScenarioAxis=san_OptimisticScenarioMember', window );">Optimistic scenario&#160; | Santander Bank, National Association | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios', window );">Percentage of weightings associated with the macroeconomic scenarios</a></td>
<td class="nump">30.00%<span></span>
</td>
<td class="nump">30.00%<span></span>
</td>
<td class="nump">30.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementScenarioAxis=san_OptimisticScenarioMember', window );">Optimistic scenario&#160; | Santander Consumer USA Holdings Inc. | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios', window );">Percentage of weightings associated with the macroeconomic scenarios</a></td>
<td class="nump">30.00%<span></span>
</td>
<td class="nump">30.00%<span></span>
</td>
<td class="nump">30.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementScenarioAxis=san_OptimisticScenarioMember', window );">Optimistic scenario&#160; | Banco Santander (Brasil) S.A. | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios', window );">Percentage of weightings associated with the macroeconomic scenarios</a></td>
<td class="nump">13.00%<span></span>
</td>
<td class="nump">13.00%<span></span>
</td>
<td class="nump">10.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementScenarioAxis=san_PessimisticScenarioMember', window );">Pessimistic scenario&#160; | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios', window );">Percentage of weightings associated with the macroeconomic scenarios</a></td>
<td class="nump">30.00%<span></span>
</td>
<td class="nump">30.00%<span></span>
</td>
<td class="nump">30.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementScenarioAxis=san_PessimisticScenarioMember', window );">Pessimistic scenario&#160; | Banco Santander (Brasil) S.A. | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios', window );">Percentage of weightings associated with the macroeconomic scenarios</a></td>
<td class="nump">13.00%<span></span>
</td>
<td class="nump">13.00%<span></span>
</td>
<td class="nump">10.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementScenarioAxis=san_OptimisticScenarioOneMember', window );">Optimistic scenario&#160;1 | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios', window );">Percentage of weightings associated with the macroeconomic scenarios</a></td>
<td class="nump">30.00%<span></span>
</td>
<td class="nump">30.00%<span></span>
</td>
<td class="nump">30.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfCreditRiskExposureLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the percentage of weightings associated with the macroeconomic scenarios.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentageOfWeightingsAssociatedWithMacroeconomicScenarios</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementScenarioAxis=san_PessimisticScenarioThreeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementScenarioAxis=san_PessimisticScenarioThreeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementScenarioAxis=san_PessimisticScenarioTwoMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementScenarioAxis=san_PessimisticScenarioTwoMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_US</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=srt_NorthAmericaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=srt_NorthAmericaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderConsumerUSAHoldingsIncMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementScenarioAxis=san_PessimisticScenarioOneMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementScenarioAxis=san_PessimisticScenarioOneMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementScenarioAxis=san_BaseScenarioMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementScenarioAxis=san_BaseScenarioMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_BR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_BR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=srt_SouthAmericaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=srt_SouthAmericaMember</td>
</tr>
<tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Risk management - Disclosure of sensitivity analysis, by entity (Details)<br></strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate', window );">Change in provision assuming 100bp decrease in GDP growth rate (as a percent)</a></td>
<td class="nump">2.10%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate', window );">Change in provision assuming 100bp increase in GDP growth rate (as a percent)</a></td>
<td class="num">(1.90%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate', window );">Change in provision assuming 100bp decrease in housing price change rate (as a percent)</a></td>
<td class="nump">3.40%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate', window );">Change in provision assuming 100bp increase in housing price change rate (as a percent)</a></td>
<td class="num">(1.80%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate', window );">Change in provision assuming 100bp decrease in unemployment rate (as a percent)</a></td>
<td class="num">(3.70%)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate', window );">Change in provision assuming 100bp increase in unemployment rate (as a percent)</a></td>
<td class="nump">4.70%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_HomePurchaseLoansMember', window );">Mortgages | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate', window );">Change in provision assuming 100bp decrease in GDP growth rate (as a percent)</a></td>
<td class="nump">8.50%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate', window );">Change in provision assuming 100bp increase in GDP growth rate (as a percent)</a></td>
<td class="num">(3.60%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate', window );">Change in provision assuming 100bp decrease in housing price change rate (as a percent)</a></td>
<td class="nump">8.40%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate', window );">Change in provision assuming 100bp increase in housing price change rate (as a percent)</a></td>
<td class="num">(6.70%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate', window );">Change in provision assuming 100bp decrease in unemployment rate (as a percent)</a></td>
<td class="num">(6.00%)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate', window );">Change in provision assuming 100bp increase in unemployment rate (as a percent)</a></td>
<td class="nump">14.70%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_HomePurchaseLoansMember', window );">Mortgages | Santander UK plc</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate', window );">Change in provision assuming 100bp decrease in GDP growth rate (as a percent)</a></td>
<td class="nump">11.60%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate', window );">Change in provision assuming 100bp increase in GDP growth rate (as a percent)</a></td>
<td class="num">(2.90%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate', window );">Change in provision assuming 100bp decrease in housing price change rate (as a percent)</a></td>
<td class="nump">7.30%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate', window );">Change in provision assuming 100bp increase in housing price change rate (as a percent)</a></td>
<td class="num">(3.50%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate', window );">Change in provision assuming 100bp decrease in unemployment rate (as a percent)</a></td>
<td class="num">(12.30%)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate', window );">Change in provision assuming 100bp increase in unemployment rate (as a percent)</a></td>
<td class="nump">23.70%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_HomePurchaseLoansMember', window );">Mortgages | Santander Bank, National Association | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate', window );">Change in provision assuming 100bp decrease in GDP growth rate (as a percent)</a></td>
<td class="nump">13.60%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate', window );">Change in provision assuming 100bp increase in GDP growth rate (as a percent)</a></td>
<td class="num">(10.60%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate', window );">Change in provision assuming 100bp decrease in housing price change rate (as a percent)</a></td>
<td class="nump">26.90%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate', window );">Change in provision assuming 100bp increase in housing price change rate (as a percent)</a></td>
<td class="num">(12.90%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate', window );">Change in provision assuming 100bp decrease in unemployment rate (as a percent)</a></td>
<td class="num">(41.60%)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate', window );">Change in provision assuming 100bp increase in unemployment rate (as a percent)</a></td>
<td class="nump">53.90%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex', window );">Change in provision assuming 100bp decrease in Manheim index (as a percent)</a></td>
<td class="nump">0.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex', window );">Change in provision assuming 100bp increase in Manheim index (as a percent)</a></td>
<td class="nump">0.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_ConsumerLoansMember', window );">Consumer loans | Banco Santander (Brasil) S.A. | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate', window );">Change in provision assuming 100bp decrease in GDP growth rate (as a percent)</a></td>
<td class="nump">1.30%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate', window );">Change in provision assuming 100bp increase in GDP growth rate (as a percent)</a></td>
<td class="num">(0.70%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate', window );">Change in provision assuming 100bp decrease in unemployment rate (as a percent)</a></td>
<td class="num">(1.90%)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate', window );">Change in provision assuming 100bp increase in unemployment rate (as a percent)</a></td>
<td class="nump">2.80%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate', window );">Change in provision assuming 100bp decrease in interest rate (as a percent)</a></td>
<td class="num">(0.60%)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate', window );">Change in provision assuming 100bp increase in interest rate (as a percent)</a></td>
<td class="nump">1.70%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansToSmallAndMediumSizedEnterprisesMember', window );">SME | Banco Santander (Brasil) S.A. | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate', window );">Change in provision assuming 100bp decrease in GDP growth rate (as a percent)</a></td>
<td class="nump">2.90%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate', window );">Change in provision assuming 100bp increase in GDP growth rate (as a percent)</a></td>
<td class="num">(1.30%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate', window );">Change in provision assuming 100bp decrease in unemployment rate (as a percent)</a></td>
<td class="num">(3.80%)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate', window );">Change in provision assuming 100bp increase in unemployment rate (as a percent)</a></td>
<td class="nump">6.20%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate', window );">Change in provision assuming 100bp decrease in interest rate (as a percent)</a></td>
<td class="num">(1.60%)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate', window );">Change in provision assuming 100bp increase in interest rate (as a percent)</a></td>
<td class="nump">4.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_CorporateLoansMember', window );">Corporates | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate', window );">Change in provision assuming 100bp decrease in GDP growth rate (as a percent)</a></td>
<td class="nump">1.10%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate', window );">Change in provision assuming 100bp increase in GDP growth rate (as a percent)</a></td>
<td class="num">(0.90%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate', window );">Change in provision assuming 100bp decrease in housing price change rate (as a percent)</a></td>
<td class="nump">1.50%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate', window );">Change in provision assuming 100bp increase in housing price change rate (as a percent)</a></td>
<td class="num">(0.70%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate', window );">Change in provision assuming 100bp decrease in unemployment rate (as a percent)</a></td>
<td class="num">(1.50%)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate', window );">Change in provision assuming 100bp increase in unemployment rate (as a percent)</a></td>
<td class="nump">1.80%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_CorporateLoansMember', window );">Corporates | Santander UK plc</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate', window );">Change in provision assuming 100bp decrease in GDP growth rate (as a percent)</a></td>
<td class="nump">3.90%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate', window );">Change in provision assuming 100bp increase in GDP growth rate (as a percent)</a></td>
<td class="num">(1.40%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate', window );">Change in provision assuming 100bp decrease in housing price change rate (as a percent)</a></td>
<td class="nump">6.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate', window );">Change in provision assuming 100bp increase in housing price change rate (as a percent)</a></td>
<td class="num">(1.60%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate', window );">Change in provision assuming 100bp decrease in unemployment rate (as a percent)</a></td>
<td class="num">(2.50%)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate', window );">Change in provision assuming 100bp increase in unemployment rate (as a percent)</a></td>
<td class="nump">5.70%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_CorporateLoansMember', window );">Corporates | Santander Bank, National Association | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate', window );">Change in provision assuming 100bp decrease in GDP growth rate (as a percent)</a></td>
<td class="nump">10.90%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate', window );">Change in provision assuming 100bp increase in GDP growth rate (as a percent)</a></td>
<td class="num">(7.70%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate', window );">Change in provision assuming 100bp decrease in housing price change rate (as a percent)</a></td>
<td class="nump">18.70%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate', window );">Change in provision assuming 100bp increase in housing price change rate (as a percent)</a></td>
<td class="num">(9.30%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate', window );">Change in provision assuming 100bp decrease in unemployment rate (as a percent)</a></td>
<td class="num">(25.90%)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate', window );">Change in provision assuming 100bp increase in unemployment rate (as a percent)</a></td>
<td class="nump">39.50%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex', window );">Change in provision assuming 100bp decrease in Manheim index (as a percent)</a></td>
<td class="nump">0.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex', window );">Change in provision assuming 100bp increase in Manheim index (as a percent)</a></td>
<td class="nump">0.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_AutoMember', window );">Auto | Santander Bank, National Association | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate', window );">Change in provision assuming 100bp decrease in GDP growth rate (as a percent)</a></td>
<td class="nump">2.80%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate', window );">Change in provision assuming 100bp increase in GDP growth rate (as a percent)</a></td>
<td class="num">(2.00%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate', window );">Change in provision assuming 100bp decrease in housing price change rate (as a percent)</a></td>
<td class="nump">5.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate', window );">Change in provision assuming 100bp increase in housing price change rate (as a percent)</a></td>
<td class="num">(2.50%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate', window );">Change in provision assuming 100bp decrease in unemployment rate (as a percent)</a></td>
<td class="num">(7.90%)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate', window );">Change in provision assuming 100bp increase in unemployment rate (as a percent)</a></td>
<td class="nump">11.80%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex', window );">Change in provision assuming 100bp decrease in Manheim index (as a percent)</a></td>
<td class="nump">1.80%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex', window );">Change in provision assuming 100bp increase in Manheim index (as a percent)</a></td>
<td class="num">(1.40%)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansToOtherEntitiesMember', window );">Other | Banco Santander (Brasil) S.A. | Brazil | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate', window );">Change in provision assuming 100bp decrease in GDP growth rate (as a percent)</a></td>
<td class="nump">2.60%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate', window );">Change in provision assuming 100bp increase in GDP growth rate (as a percent)</a></td>
<td class="num">(1.40%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate', window );">Change in provision assuming 100bp decrease in unemployment rate (as a percent)</a></td>
<td class="num">(4.50%)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate', window );">Change in provision assuming 100bp increase in unemployment rate (as a percent)</a></td>
<td class="nump">6.30%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate', window );">Change in provision assuming 100bp decrease in interest rate (as a percent)</a></td>
<td class="num">(0.90%)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate', window );">Change in provision assuming 100bp increase in interest rate (as a percent)</a></td>
<td class="nump">3.50%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_SCAutoMember', window );">SC Auto | Santander Consumer USA Holdings Inc. | US | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate', window );">Change in provision assuming 100bp decrease in GDP growth rate (as a percent)</a></td>
<td class="nump">1.70%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate', window );">Change in provision assuming 100bp increase in GDP growth rate (as a percent)</a></td>
<td class="num">(1.20%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate', window );">Change in provision assuming 100bp decrease in housing price change rate (as a percent)</a></td>
<td class="nump">3.10%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate', window );">Change in provision assuming 100bp increase in housing price change rate (as a percent)</a></td>
<td class="num">(1.60%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate', window );">Change in provision assuming 100bp decrease in unemployment rate (as a percent)</a></td>
<td class="num">(4.90%)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate', window );">Change in provision assuming 100bp increase in unemployment rate (as a percent)</a></td>
<td class="nump">7.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex', window );">Change in provision assuming 100bp decrease in Manheim index (as a percent)</a></td>
<td class="nump">1.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex', window );">Change in provision assuming 100bp increase in Manheim index (as a percent)</a></td>
<td class="num">(0.80%)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfCreditRiskExposureLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percent Change In Provision Assuming 100 Basis Point Decrease In GDP Growth Rate</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percent Change In Provision Assuming 100 Basis Point Decrease In Housing Price Change Rate</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>dtr-types1:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percent Change In Provision Assuming 100 Basis Point Decrease In Interest Rate</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentChangeInProvisionAssuming100BasisPointDecreaseInInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percent Change In Provision Assuming 100 Basis Point Decrease In Manheim Index</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentChangeInProvisionAssuming100BasisPointDecreaseInManheimIndex</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percent Change In Provision Assuming 100 Basis Point Decrease In Unemployment Rate</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percent Change In Provision Assuming 100 Basis Point Increase In GDP Growth Rate</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percent Change In Provision Assuming 100 Basis Point Increase In Housing Price Change Rate</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percent Change In Provision Assuming 100 Basis Point Increase In Interest Rate</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentChangeInProvisionAssuming100BasisPointIncreaseInInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percent Change In Provision Assuming 100 Basis Point Increase In Manheim Index</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentChangeInProvisionAssuming100BasisPointIncreaseInManheimIndex</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percent Change In Provision Assuming 100 Basis Point Increase In Unemployment Rate</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_HomePurchaseLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_HomePurchaseLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderUKPLCMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_SantanderBankNationalAssociationMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_US</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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</tr>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=srt_NorthAmericaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=srt_NorthAmericaMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_ConsumerLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_ConsumerLoansMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BancoSantanderBrasilSAMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_BR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_BR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=srt_SouthAmericaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=srt_SouthAmericaMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansToSmallAndMediumSizedEnterprisesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansToSmallAndMediumSizedEnterprisesMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Risk management - Schedule of exposure to risk, Spain residential mortgage (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 300,026<span></span>
</td>
<td class="nump">&#8364; 283,497<span></span>
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<td class="nump">&#8364; 243,203<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Mortgages | Gross carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">60,002<span></span>
</td>
<td class="nump">59,316<span></span>
</td>
<td class="nump">61,097<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Mortgages | Gross carrying amount | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">625<span></span>
</td>
<td class="nump">789<span></span>
</td>
<td class="nump">924<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Mortgages | Gross carrying amount | Without mortgage collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">215<span></span>
</td>
<td class="nump">208<span></span>
</td>
<td class="nump">215<span></span>
</td>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Mortgages | Gross carrying amount | Without mortgage collateral | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">11<span></span>
</td>
<td class="nump">16<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Mortgages | Gross carrying amount | With mortgage collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">59,787<span></span>
</td>
<td class="nump">59,108<span></span>
</td>
<td class="nump">60,882<span></span>
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<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Mortgages | Gross carrying amount | With mortgage collateral | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 618<span></span>
</td>
<td class="nump">&#8364; 778<span></span>
</td>
<td class="nump">&#8364; 908<span></span>
</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_HomePurchaseLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_HomePurchaseLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InternalCreditGradesAxis=san_CreditImpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InternalCreditGradesAxis=san_CreditImpairedMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_Collateral1Axis=san_IFRSUncollateralizedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_Collateral1Axis=san_IFRSUncollateralizedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_Collateral1Axis=san_IFRSCollateralPledgedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Risk management - Disclosure of concentrations, credit with mortgage guarantee to households for house acquisition (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 300,026<span></span>
</td>
<td class="nump">&#8364; 283,497<span></span>
</td>
<td class="nump">&#8364; 243,203<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Property assets from home purchase mortgage loans to households | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">60,002<span></span>
</td>
<td class="nump">59,316<span></span>
</td>
<td class="nump">61,097<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember', window );">Gross carrying amount | Property assets from home purchase mortgage loans to households | Spain | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">625<span></span>
</td>
<td class="nump">789<span></span>
</td>
<td class="nump">924<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember', window );">With mortgage collateral | Gross carrying amount | Property assets from home purchase mortgage loans to households | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">59,787<span></span>
</td>
<td class="nump">59,108<span></span>
</td>
<td class="nump">60,882<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember', window );">With mortgage collateral | Gross carrying amount | Property assets from home purchase mortgage loans to households | Spain | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">618<span></span>
</td>
<td class="nump">&#8364; 778<span></span>
</td>
<td class="nump">&#8364; 908<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoanToValue1Axis=san_LTBLessThanOrEqualTo40PercentMember', window );">Less than or&#160;equal to 40% | With mortgage collateral | Gross carrying amount | Property assets from home purchase mortgage loans to households | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">17,191<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoanToValue1Axis=san_LTBLessThanOrEqualTo40PercentMember', window );">Less than or&#160;equal to 40% | With mortgage collateral | Gross carrying amount | Property assets from home purchase mortgage loans to households | Spain | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">122<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoanToValue1Axis=san_LTV40To60PercentMember', window );">More than 40%&#160;and less&#160;than or&#160;equal to 60% | With mortgage collateral | Gross carrying amount | Property assets from home purchase mortgage loans to households | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">20,310<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoanToValue1Axis=san_LTV40To60PercentMember', window );">More than 40%&#160;and less&#160;than or&#160;equal to 60% | With mortgage collateral | Gross carrying amount | Property assets from home purchase mortgage loans to households | Spain | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">158<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoanToValue1Axis=san_LTV60To80PercentMember', window );">More than 60%&#160;and less&#160;than or&#160;equal to 80% | With mortgage collateral | Gross carrying amount | Property assets from home purchase mortgage loans to households | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">18,811<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoanToValue1Axis=san_LTV60To80PercentMember', window );">More than 60%&#160;and less&#160;than or&#160;equal to 80% | With mortgage collateral | Gross carrying amount | Property assets from home purchase mortgage loans to households | Spain | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">151<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoanToValue1Axis=san_IFRSLTV80To100PercentMember', window );">More than 80%&#160;and less&#160;than or&#160;equal to 100% | With mortgage collateral | Gross carrying amount | Property assets from home purchase mortgage loans to households | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">2,812<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoanToValue1Axis=san_IFRSLTV80To100PercentMember', window );">More than 80%&#160;and less&#160;than or&#160;equal to 100% | With mortgage collateral | Gross carrying amount | Property assets from home purchase mortgage loans to households | Spain | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">84<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoanToValue1Axis=san_LTVMoreThan100PercentMember', window );">More than 100% | With mortgage collateral | Gross carrying amount | Property assets from home purchase mortgage loans to households | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">663<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoanToValue1Axis=san_LTVMoreThan100PercentMember', window );">More than 100% | With mortgage collateral | Gross carrying amount | Property assets from home purchase mortgage loans to households | Spain | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 103<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Risk management - Schedule of changes in impairment losses on debt instruments, Spain real estate business (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
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<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
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<td class="nump">&#8364; 243,203<span></span>
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<td class="text">&#160;<span></span>
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<td class="nump">283,497<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets at beginning of period</a></td>
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<td class="nump">2,433<span></span>
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<td class="nump">2,327<span></span>
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<td class="nump">441<span></span>
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<td class="nump">112<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets at end of period</a></td>
<td class="nump">&#8364; 2,984<span></span>
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<td class="nump">&#8364; 2,545<span></span>
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<td class="nump">&#8364; 2,433<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from transfers. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph IG20B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_IG20B&amp;doctype=Implementation%20Guidance<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughTransfersFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease in financial assets resulting from foreclosures.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DecreaseThroughForeclosure</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease in financial assets resulting form write-off. [Refer: Financial Asset]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DecreaseThroughWriteoffFinancialAsset</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProductsAndServicesAxis=san_RealEstateOperationsInSpainSegmentMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ConstructionAndPropertyDevelopmentLoansMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Risk management - Schedule of exposure to risk, Spain real estate business (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 300,026<span></span>
</td>
<td class="nump">&#8364; 283,497<span></span>
</td>
<td class="nump">&#8364; 243,203<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(520)<span></span>
</td>
<td class="num">(349)<span></span>
</td>
<td class="num">(286)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Excess of gross exposure over maximum recoverable amount of effective collateral</a></td>
<td class="nump">305,156<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(1,086)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Real estate operations in Spain | Gross carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">2,984<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Real estate operations in Spain | Construction and property development</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">2,984<span></span>
</td>
<td class="nump">&#8364; 2,545<span></span>
</td>
<td class="nump">&#8364; 2,433<span></span>
</td>
<td class="nump">&#8364; 2,327<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Excess of gross exposure over maximum recoverable amount of effective collateral</a></td>
<td class="nump">211<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Real estate operations in Spain | Construction and property development | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Excess of gross exposure over maximum recoverable amount of effective collateral</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Real estate operations in Spain | Construction and property development | Gross carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">2,984<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Real estate operations in Spain | Construction and property development | Gross carrying amount | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">31<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding', window );">Written-off assets</a></td>
<td class="nump">240<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Real estate operations in Spain | Construction and property development | Accumulated impairment | Individually calculated</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(17)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Real estate operations in Spain | Construction and property development | Accumulated impairment | Credit impaired | Individually calculated</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">&#8364; (11)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfCreditRiskExposureLineItems</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The contractual amount outstanding on financial assets that were written off during the reporting period and are still subject to enforcement activity. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35L<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35L&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of risk exposure associated with financial instruments with a shared characteristic that identifies a concentration of risks. [Refer: Classes of financial instruments [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph B8<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B8_c&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td style="white-space:nowrap;">ifrs-full_ProductsAndServicesAxis=san_RealEstateOperationsInSpainSegmentMember</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MethodOfAssessmentOfExpectedCreditLossesAxis=ifrs-full_ExpectedCreditLossesIndividuallyAssessedMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Risk management - Schedule of exposure to risk, Spain real estate business, segment information (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Total consolidated assets (Total business)</a></td>
<td class="nump">&#8364; 1,867,515<span></span>
</td>
<td class="nump">&#8364; 1,837,081<span></span>
</td>
<td class="nump">&#8364; 1,797,062<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment losses and credit risk allowances. Coverage for unimpaired assets (business in Spain)</a></td>
<td class="num">(300,026)<span></span>
</td>
<td class="num">(283,497)<span></span>
</td>
<td class="num">(243,203)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment losses and credit risk allowances. Coverage for unimpaired assets (business in Spain)</a></td>
<td class="nump">520<span></span>
</td>
<td class="nump">&#8364; 349<span></span>
</td>
<td class="nump">&#8364; 286<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Total consolidated assets (Total business)</a></td>
<td class="nump">1,867,515<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Impairment losses and credit risk allowances. Coverage for unimpaired assets (business in Spain)</a></td>
<td class="nump">1,086<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Customers excluding the public sector</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">&#8364; 240,609<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a present economic resource controlled by the entity as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Assets</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfCreditRiskExposureLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<td><strong> Name:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Risk management - Disclosure of concentrations, Spain real estate business (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 300,026<span></span>
</td>
<td class="nump">&#8364; 283,497<span></span>
</td>
<td class="nump">&#8364; 243,203<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Real estate operations in Spain | Gross carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">2,984<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Real estate operations in Spain | Gross carrying amount | Without mortgage collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">14<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Real estate operations in Spain | Gross carrying amount | With mortgage collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">2,970<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Real estate operations in Spain | Gross carrying amount | Buildings for own use | With mortgage collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">976<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Real estate operations in Spain | Gross carrying amount | Buildings for own use | Residential</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">658<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Real estate operations in Spain | Gross carrying amount | Buildings for own use | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">318<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Real estate operations in Spain | Gross carrying amount | Construction in progress | With mortgage collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">1,981<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Real estate operations in Spain | Gross carrying amount | Construction in progress | Residential</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">1,913<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Real estate operations in Spain | Gross carrying amount | Construction in progress | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">68<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Real estate operations in Spain | Gross carrying amount | Land | With mortgage collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">13<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Real estate operations in Spain | Gross carrying amount | Land | Developed consolidated land</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain | Real estate operations in Spain | Gross carrying amount | Land | Other land</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
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<td><strong> Name:</strong></td>
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_Collateral1Axis=san_DevelopedLandCollateralMember</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_Collateral1Axis=san_UndevelopedLandCollateralMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td style="white-space:nowrap;">san_Collateral1Axis=san_UndevelopedLandCollateralMember</td>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Risk management - Schedule of exposure to risk, Spain foreclosed properties (Details) - Spain - Foreclosed properties - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">&#8364; 1,898<span></span>
</td>
<td class="nump">&#8364; 2,131<span></span>
</td>
<td class="nump">&#8364; 2,448<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseInFinancialAssetsAbstract', window );"><strong>Changes in property loans</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersFinancialAssets', window );">Gross additions</a></td>
<td class="nump">100<span></span>
</td>
<td class="nump">100<span></span>
</td>
<td class="nump">300<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DecreaseThroughDisposalsFinancialAssets', window );">Disposals</a></td>
<td class="num">(700)<span></span>
</td>
<td class="num">(800)<span></span>
</td>
<td class="num">(1,200)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseInFinancialAssets', window );">Difference</a></td>
<td class="num">(600)<span></span>
</td>
<td class="num">(700)<span></span>
</td>
<td class="num">(900)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Construction and property development</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">1,699<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Completed buildings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">157<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Completed buildings | Residential</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">58<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Completed buildings | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">99<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Buildings under construction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">58<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Buildings under construction | Residential</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Buildings under construction | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">58<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Land</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">1,484<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Land | Developed land</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">347<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Land | Other land</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">1,137<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Property assets from home purchase mortgage loans to households</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">162<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Other foreclosed property assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">37<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Gross carrying amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">4,258<span></span>
</td>
<td class="nump">4,823<span></span>
</td>
<td class="nump">5,506<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Gross carrying amount | Construction and property development</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">3,843<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Gross carrying amount | Completed buildings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">481<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Gross carrying amount | Completed buildings | Residential</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">129<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Gross carrying amount | Completed buildings | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">352<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Gross carrying amount | Buildings under construction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">107<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Gross carrying amount | Buildings under construction | Residential</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Gross carrying amount | Buildings under construction | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">107<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Gross carrying amount | Land</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">3,255<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Gross carrying amount | Land | Developed land</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">776<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Gross carrying amount | Land | Other land</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">2,479<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Gross carrying amount | Property assets from home purchase mortgage loans to households</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">334<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Gross carrying amount | Other foreclosed property assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">81<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">2,360<span></span>
</td>
<td class="nump">&#8364; 2,692<span></span>
</td>
<td class="nump">&#8364; 3,058<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Accumulated impairment | Construction and property development</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">2,144<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Accumulated impairment | Completed buildings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">324<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Accumulated impairment | Completed buildings | Residential</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">71<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Accumulated impairment | Completed buildings | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">253<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Accumulated impairment | Buildings under construction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">49<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Accumulated impairment | Buildings under construction | Residential</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Accumulated impairment | Buildings under construction | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">49<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Accumulated impairment | Land</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">1,771<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Accumulated impairment | Land | Developed land</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">429<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Accumulated impairment | Land | Other land</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">1,342<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Accumulated impairment | Property assets from home purchase mortgage loans to households</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">172<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Accumulated impairment | Other foreclosed property assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">44<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Impairment losses since time of foreclosure</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">1,746<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Impairment losses since time of foreclosure | Construction and property development</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">1,591<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Impairment losses since time of foreclosure | Completed buildings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">282<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Impairment losses since time of foreclosure | Completed buildings | Residential</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">60<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Impairment losses since time of foreclosure | Completed buildings | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">222<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Impairment losses since time of foreclosure | Buildings under construction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">35<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Impairment losses since time of foreclosure | Buildings under construction | Residential</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Impairment losses since time of foreclosure | Buildings under construction | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">35<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Impairment losses since time of foreclosure | Land</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">1,274<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Impairment losses since time of foreclosure | Land | Developed land</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">260<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Impairment losses since time of foreclosure | Land | Other land</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">1,014<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Impairment losses since time of foreclosure | Property assets from home purchase mortgage loans to households</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">119<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Impairment losses since time of foreclosure | Other foreclosed property assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ForeclosedPropertiesAbstract', window );"><strong>Assets foreclosed</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and advances to customers</a></td>
<td class="nump">&#8364; 36<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseInFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseInFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseInFinancialAssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseInFinancialAssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughTransfersFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from transfers. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph IG20B<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_IG20B&amp;doctype=Implementation%20Guidance<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughTransfersFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LoansAndAdvancesToCustomers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and advances the entity has made to customers.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LoansAndAdvancesToCustomers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DecreaseThroughDisposalsFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The decrease in financial assets resulting from disposals.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DecreaseThroughDisposalsFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ForeclosedPropertiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ForeclosedPropertiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfAssetsAxis=san_ForeclosedPropertiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=san_ForeclosedPropertiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ConstructionAndPropertyDevelopmentLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_ConstructionAndPropertyDevelopmentLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CompletedBuildingsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_CompletedBuildingsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ResidentialLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_ResidentialLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_OtherPurposesLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_OtherPurposesLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BuildingsAndOtherConstructionsUnderConstructionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BuildingsAndOtherConstructionsUnderConstructionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_LandLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_LandLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_DevelopedConsolidatedLandMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_DevelopedConsolidatedLandMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_LandLoansOtherMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_LandLoansOtherMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_HomePurchaseLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_OtherLoansMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=san_AccumulatedImpairmentSinceInitialImpairmentMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Risk management - Disclosure of credit and concentration risk (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">&#8364; 305,156<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">1,792,549<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">352,126<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Other EU countries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">378,314<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">660,879<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Rest of the world</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">401,230<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Central banks and Credit institutions</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">326,316<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Central banks and Credit institutions | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">61,256<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Central banks and Credit institutions | Other EU countries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">71,853<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Central banks and Credit institutions | America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">119,532<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Central banks and Credit institutions | Rest of the world</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">73,675<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Public sector</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">267,765<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Public sector | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">82,131<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Public sector | Other EU countries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">62,620<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Public sector | America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">109,109<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Public sector | Rest of the world</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">13,905<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Central government</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">239,153<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Central government | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">66,479<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Central government | Other EU countries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">57,468<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Central government | America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">101,768<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Central government | Rest of the world</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">13,438<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Other central government</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">28,612<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Other central government | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">15,652<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Other central government | Other EU countries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">5,152<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Other central government | America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">7,341<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Other central government | Rest of the world</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">467<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Other financial institutions (financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">207,044<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Other financial institutions (financial business activity) | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">16,301<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Other financial institutions (financial business activity) | Other EU countries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">50,819<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Other financial institutions (financial business activity) | America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">101,600<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Other financial institutions (financial business activity) | Rest of the world</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">38,324<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Non-financial corporations and individual entrepreneurs (non-financial business activity)</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">447,496<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Non-financial corporations and individual entrepreneurs (non-financial business activity) | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">103,836<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Non-financial corporations and individual entrepreneurs (non-financial business activity) | Other EU countries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">94,760<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Non-financial corporations and individual entrepreneurs (non-financial business activity) | America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">188,078<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Non-financial corporations and individual entrepreneurs (non-financial business activity) | Rest of the world</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">60,822<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Construction and property development</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">20,322<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Construction and property development | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">4,130<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Construction and property development | Other EU countries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">2,090<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Construction and property development | America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">9,396<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Construction and property development | Rest of the world</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">4,706<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Civil engineering construction</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">5,128<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Civil engineering construction | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">1,835<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Civil engineering construction | Other EU countries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">1,740<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Civil engineering construction | America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">1,468<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Civil engineering construction | Rest of the world</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">85<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Large companies</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">291,515<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Large companies | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">53,841<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Large companies | Other EU countries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">63,635<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Large companies | America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">127,003<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Large companies | Rest of the world</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">47,036<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | SMEs and individual entrepreneurs</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">130,531<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | SMEs and individual entrepreneurs | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">44,030<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | SMEs and individual entrepreneurs | Other EU countries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">27,295<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | SMEs and individual entrepreneurs | America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">50,211<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | SMEs and individual entrepreneurs | Rest of the world</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">8,995<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Households - other</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">543,928<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Households - other | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">88,602<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Households - other | Other EU countries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">98,262<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Households - other | America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">142,560<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Households - other | Rest of the world</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">214,504<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Residential</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">333,552<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Residential | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">61,818<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Residential | Other EU countries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">27,030<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Residential | America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">46,605<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Residential | Rest of the world</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">198,099<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Consumer loans</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">192,746<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Consumer loans | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">19,784<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Consumer loans | Other EU countries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">69,670<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Consumer loans | America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">87,491<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Consumer loans | Rest of the world</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">15,801<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Other purposes</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">17,630<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Other purposes | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">7,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Other purposes | Other EU countries</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">1,562<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Other purposes | America</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">8,464<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember', window );">Credit risk | Other purposes | Rest of the world</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure</a></td>
<td class="nump">&#8364; 604<span></span>
</td>
</tr>
</table>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of risk exposure associated with financial instruments with a shared characteristic that identifies a concentration of risks. [Refer: Classes of financial instruments [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph B8<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B8_c&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_OtherEuropeanCountriesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=srt_AmericasMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=srt_AmericasMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_RestOfWorldMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_RestOfWorldMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_CentralBanksAndCreditInstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_PublicSectorMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_PublicSectorMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_CentralGovernmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_CentralGovernmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_OtherCentralGovernmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_OtherCentralGovernmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_OtherFinancialInstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_OtherFinancialInstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_NonFinancialCorporationsAndIndividualEntrepreneursMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_NonFinancialCorporationsAndIndividualEntrepreneursMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_ConstructionAndPropertyDevelopmentLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_ConstructionAndPropertyDevelopmentLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_CivilEngineeringConstructionLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_CivilEngineeringConstructionLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_CorporateLoansToLargeCompaniesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_CorporateLoansToLargeCompaniesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_CorporateLoansToSMEsAndIndividualEntrepreneursMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_CorporateLoansToSMEsAndIndividualEntrepreneursMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_HouseholdsOtherMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_HouseholdsOtherMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_ResidentialLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_ResidentialLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=ifrs-full_ConsumerLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=ifrs-full_ConsumerLoansMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_OtherPurposesLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_OtherPurposesLoansMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Risk management - Maximum exposure limits based on credit quality (Details) - Sovereign risk<br></strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InternallyAdaptedCreditGradesAxis=san_IFRSStandardPoorsAAARatingMember', window );">AAA</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MaximumExposureLimitPercentage', window );">Maximum exposure limit, percentage</a></td>
<td class="nump">18.00%<span></span>
</td>
<td class="nump">21.00%<span></span>
</td>
<td class="nump">18.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InternallyAdaptedCreditGradesAxis=san_IFRSStandardPoorsAARatingMember', window );">AA</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MaximumExposureLimitPercentage', window );">Maximum exposure limit, percentage</a></td>
<td class="nump">17.00%<span></span>
</td>
<td class="nump">18.00%<span></span>
</td>
<td class="nump">19.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InternallyAdaptedCreditGradesAxis=san_IFRSStandardPoorsARatingMember', window );">A</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MaximumExposureLimitPercentage', window );">Maximum exposure limit, percentage</a></td>
<td class="nump">43.00%<span></span>
</td>
<td class="nump">41.00%<span></span>
</td>
<td class="nump">41.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InternallyAdaptedCreditGradesAxis=san_IFRSStandardPoorsBBBRatingMember', window );">BBB</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MaximumExposureLimitPercentage', window );">Maximum exposure limit, percentage</a></td>
<td class="nump">14.00%<span></span>
</td>
<td class="nump">11.00%<span></span>
</td>
<td class="nump">12.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InternallyAdaptedCreditGradesAxis=san_LessThanBBBRatingMember', window );">Less than BBB</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureLineItems', window );"><strong>Disclosure of credit risk exposure [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_MaximumExposureLimitPercentage', window );">Maximum exposure limit, percentage</a></td>
<td class="nump">9.00%<span></span>
</td>
<td class="nump">9.00%<span></span>
</td>
<td class="nump">10.00%<span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfCreditRiskExposureLineItems</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Maximum Exposure Limit, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td>instant</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InternallyAdaptedCreditGradesAxis=san_IFRSStandardPoorsARatingMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Risk management - Schedule of exposure to risk, sovereign risk and exposure to other public sector entities (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember', window );">Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">&#8364; 305,156<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">224,947<span></span>
</td>
<td class="nump">&#8364; 198,627<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">38,785<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">35,187<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Financial assets at amortized cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">150,975<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Spain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">62,008<span></span>
</td>
<td class="nump">56,293<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Spain | Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">3,852<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Spain | Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">112<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Spain | Financial assets at amortized cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">58,044<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Spain | Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Portugal</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">7,307<span></span>
</td>
<td class="nump">7,652<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Portugal | Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="num">(659)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Portugal | Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">1,199<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Portugal | Financial assets at amortized cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">6,767<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Portugal | Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Italy</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">15,872<span></span>
</td>
<td class="nump">12,915<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Italy | Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">2,875<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Italy | Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">440<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Italy | Financial assets at amortized cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">12,557<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Italy | Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Greece</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Greece | Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Greece | Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Greece | Financial assets at amortized cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Greece | Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Ireland</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="num">(38)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Ireland | Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="num">(38)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Ireland | Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Ireland | Financial assets at amortized cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Ireland | Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Rest Eurozone</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">14,381<span></span>
</td>
<td class="nump">6,212<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Rest Eurozone | Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">3,684<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Rest Eurozone | Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">254<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Rest Eurozone | Financial assets at amortized cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">10,443<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Rest Eurozone | Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | United Kingdom</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">7,595<span></span>
</td>
<td class="nump">8,772<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | United Kingdom | Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">907<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | United Kingdom | Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">1,001<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | United Kingdom | Financial assets at amortized cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">5,687<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | United Kingdom | Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Poland</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">20,813<span></span>
</td>
<td class="nump">14,286<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Poland | Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">1,141<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Poland | Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">6,339<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Poland | Financial assets at amortized cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">13,333<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Poland | Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Rest of Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">534<span></span>
</td>
<td class="nump">954<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Rest of Europe | Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Rest of Europe | Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Rest of Europe | Financial assets at amortized cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">526<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Rest of Europe | Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | United States</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">25,046<span></span>
</td>
<td class="nump">24,926<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | United States | Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">4,783<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | United States | Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">4,320<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | United States | Financial assets at amortized cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">15,943<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | United States | Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Brazil</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">26,165<span></span>
</td>
<td class="nump">26,641<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Brazil | Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">8,089<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Brazil | Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">9,533<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Brazil | Financial assets at amortized cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">8,543<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Brazil | Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Mexico</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">25,914<span></span>
</td>
<td class="nump">21,642<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Mexico | Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">10,663<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Mexico | Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">7,652<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Mexico | Financial assets at amortized cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">7,599<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Mexico | Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Chile</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">8,596<span></span>
</td>
<td class="nump">6,900<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Chile | Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">676<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Chile | Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">2,666<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Chile | Financial assets at amortized cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">5,254<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Chile | Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Rest of America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">6,398<span></span>
</td>
<td class="nump">4,431<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Rest of America | Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">2,593<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Rest of America | Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">1,654<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Rest of America | Financial assets at amortized cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">2,151<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Rest of America | Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Rest of the world</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">4,356<span></span>
</td>
<td class="nump">&#8364; 7,003<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Rest of the world | Financial assets held for trading and Financial assets designated as FV with changes in&#160;results</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">211<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Rest of the world | Financial assets at fair value through other comprehensive income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">17<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Rest of the world | Financial assets at amortized cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">4,128<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember', window );">Sovereign risk | Rest of the world | Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic', window );">Risk exposure associated with instruments sharing characteristic</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of risk exposure associated with financial instruments with a shared characteristic that identifies a concentration of risks. [Refer: Classes of financial instruments [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph B8<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B8_c&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RiskExposureAssociatedWithInstrumentsSharingCharacteristic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_SovereignRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsHeldForTradingAndFinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=san_FinancialAssetsHeldForTradingAndFinancialAssetsDesignatedAtFairValueThroughProfitOrLossMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=san_NonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueCategoryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_PT">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_PT</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_IT">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_IT</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_GR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_GR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_IE">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_IE</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_RestOfEurozoneMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_RestOfEurozoneMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_GB">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_GB</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_PL">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_PL</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_RestOfEuropeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_RestOfEuropeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_US</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_BR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_BR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_MX</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_CL">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_CL</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_OtherAmericanCountriesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_OtherAmericanCountriesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=san_RestOfWorldMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=san_RestOfWorldMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>428
<FILENAME>R346.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Risk management - Schedule of exposure to risk, forborne loans (Details)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;) </div>
<div>transactions</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 300,026<span></span>
</td>
<td class="nump">&#8364; 283,497<span></span>
</td>
<td class="nump">&#8364; 243,203<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember', window );">Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">&#8364; (520)<span></span>
</td>
<td class="num">&#8364; (349)<span></span>
</td>
<td class="num">&#8364; (286)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">3,490,210<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">558,424<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Real estate guarantee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 7,145<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Rest of real guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 4,715<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Credit impaired | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">1,916,935<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Credit impaired | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">323,505<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Credit impaired | Real estate guarantee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 2,923<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Credit impaired | Rest of real guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">2,663<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Gross carrying amount | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">9,751<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Gross carrying amount | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">15,484<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Gross carrying amount | Credit impaired | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">5,354<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Gross carrying amount | Credit impaired | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">7,980<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(6,480)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Accumulated impairment | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">&#8364; (5,508)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Credit entities | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Credit entities | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Credit entities | Real estate guarantee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Credit entities | Rest of real guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Credit entities | Credit impaired | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Credit entities | Credit impaired | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Credit entities | Credit impaired | Real estate guarantee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Credit entities | Credit impaired | Rest of real guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Credit entities | Gross carrying amount | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Credit entities | Gross carrying amount | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Credit entities | Gross carrying amount | Credit impaired | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Credit entities | Gross carrying amount | Credit impaired | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Credit entities | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Credit entities | Accumulated impairment | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Public sector | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">14<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Public sector | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Public sector | Real estate guarantee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Public sector | Rest of real guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Public sector | Credit impaired | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Public sector | Credit impaired | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Public sector | Credit impaired | Real estate guarantee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Public sector | Credit impaired | Rest of real guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Public sector | Gross carrying amount | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">6<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Public sector | Gross carrying amount | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">7<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Public sector | Gross carrying amount | Credit impaired | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Public sector | Gross carrying amount | Credit impaired | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">7<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Public sector | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(8)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Public sector | Accumulated impairment | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">&#8364; (8)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other financial institutions and: individual shareholder | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">933<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other financial institutions and: individual shareholder | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">462<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other financial institutions and: individual shareholder | Real estate guarantee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 117<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other financial institutions and: individual shareholder | Rest of real guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 15<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other financial institutions and: individual shareholder | Credit impaired | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">579<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other financial institutions and: individual shareholder | Credit impaired | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">259<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other financial institutions and: individual shareholder | Credit impaired | Real estate guarantee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 22<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other financial institutions and: individual shareholder | Credit impaired | Rest of real guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">11<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other financial institutions and: individual shareholder | Gross carrying amount | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">94<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other financial institutions and: individual shareholder | Gross carrying amount | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">182<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other financial institutions and: individual shareholder | Gross carrying amount | Credit impaired | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other financial institutions and: individual shareholder | Gross carrying amount | Credit impaired | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">75<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other financial institutions and: individual shareholder | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(94)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other financial institutions and: individual shareholder | Accumulated impairment | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">&#8364; (89)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Non-financial institutions and individual shareholder | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">489,192<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Non-financial institutions and individual shareholder | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">42,700<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Non-financial institutions and individual shareholder | Real estate guarantee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 3,271<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Non-financial institutions and individual shareholder | Rest of real guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 923<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Non-financial institutions and individual shareholder | Credit impaired | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">296,008<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Non-financial institutions and individual shareholder | Credit impaired | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">26,767<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Non-financial institutions and individual shareholder | Credit impaired | Real estate guarantee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 1,166<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Non-financial institutions and individual shareholder | Credit impaired | Rest of real guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">420<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Non-financial institutions and individual shareholder | Gross carrying amount | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">5,095<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Non-financial institutions and individual shareholder | Gross carrying amount | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">5,596<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Non-financial institutions and individual shareholder | Gross carrying amount | Credit impaired | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">2,901<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Non-financial institutions and individual shareholder | Gross carrying amount | Credit impaired | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">2,585<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Non-financial institutions and individual shareholder | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(2,713)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Non-financial institutions and individual shareholder | Accumulated impairment | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">&#8364; (2,420)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Construction and property development | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">249<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Construction and property development | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">523<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Construction and property development | Real estate guarantee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 695<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Construction and property development | Rest of real guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Construction and property development | Credit impaired | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">167<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Construction and property development | Credit impaired | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">264<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Construction and property development | Credit impaired | Real estate guarantee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 115<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Construction and property development | Credit impaired | Rest of real guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Construction and property development | Gross carrying amount | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">21<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Construction and property development | Gross carrying amount | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">739<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Construction and property development | Gross carrying amount | Credit impaired | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Construction and property development | Gross carrying amount | Credit impaired | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">156<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Construction and property development | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(75)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Construction and property development | Accumulated impairment | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">&#8364; (50)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other warehouses | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">3,000,071<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other warehouses | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">515,253<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other warehouses | Real estate guarantee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 3,752<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other warehouses | Rest of real guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 3,777<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other warehouses | Credit impaired | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">1,620,343<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other warehouses | Credit impaired | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">296,470<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other warehouses | Credit impaired | Real estate guarantee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 1,730<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other warehouses | Credit impaired | Rest of real guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">2,232<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other warehouses | Gross carrying amount | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">4,556<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other warehouses | Gross carrying amount | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">9,699<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other warehouses | Gross carrying amount | Credit impaired | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">2,401<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other warehouses | Gross carrying amount | Credit impaired | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">5,313<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other warehouses | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(3,665)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember', window );">Forborne loan portfolio | Credit risk | Other warehouses | Accumulated impairment | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">&#8364; (2,991)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember', window );">Non-current assets or disposal groups classified as held for sale | Credit risk | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">13,499<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember', window );">Non-current assets or disposal groups classified as held for sale | Credit risk | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">4,630<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember', window );">Non-current assets or disposal groups classified as held for sale | Credit risk | Real estate guarantee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 406<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember', window );">Non-current assets or disposal groups classified as held for sale | Credit risk | Rest of real guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 14<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember', window );">Non-current assets or disposal groups classified as held for sale | Credit risk | Credit impaired | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">6,901<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember', window );">Non-current assets or disposal groups classified as held for sale | Credit risk | Credit impaired | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FinancingReceivablesModificationsNumberOfContracts', window );">Number of transactions (in loans) | transactions</a></td>
<td class="nump">1,720<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember', window );">Non-current assets or disposal groups classified as held for sale | Credit risk | Credit impaired | Real estate guarantee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">&#8364; 110<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember', window );">Non-current assets or disposal groups classified as held for sale | Credit risk | Credit impaired | Rest of real guarantees</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered', window );">Maximum amount of the actual collateral that can be considered</a></td>
<td class="nump">5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember', window );">Non-current assets or disposal groups classified as held for sale | Credit risk | Gross carrying amount | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">261<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember', window );">Non-current assets or disposal groups classified as held for sale | Credit risk | Gross carrying amount | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">566<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember', window );">Non-current assets or disposal groups classified as held for sale | Credit risk | Gross carrying amount | Credit impaired | Without collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">120<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember', window );">Non-current assets or disposal groups classified as held for sale | Credit risk | Gross carrying amount | Credit impaired | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="nump">235<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember', window );">Non-current assets or disposal groups classified as held for sale | Credit risk | Accumulated impairment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">(171)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember', window );">Non-current assets or disposal groups classified as held for sale | Credit risk | Accumulated impairment | Credit impaired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial assets</a></td>
<td class="num">&#8364; (145)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35H<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35M<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35N<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35I<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 70<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_70&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 66<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 71<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_71&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_FinancingReceivablesModificationsNumberOfContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of financing receivables with modifications of contractual future cash flows.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FinancingReceivablesModificationsNumberOfContracts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The maximum amount of the actual collateral that can be considered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LoansAndReceivablesMaximumAmountOfActualCollateralThatCanBeConsidered</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=san_ForborneLoanPortfolioMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_CreditRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_Collateral1Axis=san_IFRSUncollateralizedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_Collateral1Axis=san_IFRSUncollateralizedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_Collateral1Axis=san_IFRSCollateralPledgedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_Collateral1Axis=san_RealEstateGuaranteeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_Collateral1Axis=san_RealEstateGuaranteeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_Collateral1Axis=san_RestOfRealGuaranteesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_Collateral1Axis=san_RestOfRealGuaranteesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InternalCreditGradesAxis=san_CreditImpairedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InternalCreditGradesAxis=san_CreditImpairedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_CreditEntitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_CreditEntitiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=san_PublicSectorMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_PublicSectorMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_OtherFinancialInstitutionsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_NonFinancialCorporationsAndIndividualEntrepreneursMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_ConstructionAndPropertyDevelopmentLoansMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=san_OtherWarehousesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<DOCUMENT>
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<FILENAME>R347.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Risk management - Market, structural and liquidity risk (Details)<br> &#8364; in Thousands</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;) </div>
<div>remuneration_component </div>
<div>scenario</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TransactionalDepositsPercentage', window );">Transactional deposits (in percentage)</a></td>
<td class="nump">75.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DepositInsuredWithDepositGuaranteeSystemsRetailDepositsPercentage', window );">Deposit insured with deposit guarantee systems, retail deposits (in percentage)</a></td>
<td class="nump">80.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Loans and advances to customers</a></td>
<td class="nump">&#8364; 1,867,515,000<span></span>
</td>
<td class="nump">&#8364; 1,837,081,000<span></span>
</td>
<td class="nump">&#8364; 1,797,062,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember', window );">Market risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RiskManagementVaRCalculationTimeFrame', window );">Risk management, VaR calculation, time frame</a></td>
<td class="text">2 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">&#8364; 18,700<span></span>
</td>
<td class="nump">18,700<span></span>
</td>
<td class="nump">13,500<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseComparedToLastYearInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability', window );">Increase (decrease) compared to last year increase in fair value of financial liability</a></td>
<td class="num">&#8364; (30)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ValueAtRiskConfidenceLevelPercentage', window );">VaR confidence level, percent</a></td>
<td class="nump">99.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ValueAtEarningsConfidenceLevelPercentage', window );">VaE confidence level, percent</a></td>
<td class="nump">99.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Loans and advances to customers</a></td>
<td class="nump">&#8364; 1,867,515,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember', window );">Market risk | Weighted average</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">&#8364; 17,600<span></span>
</td>
<td class="nump">17,100<span></span>
</td>
<td class="nump">11,700<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember', window );">Market risk | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RiskManagementVaRCalculationTimeFrame', window );">Risk management, VaR calculation, time frame</a></td>
<td class="text">520 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">&#8364; 15,300<span></span>
</td>
<td class="nump">20,200<span></span>
</td>
<td class="nump">11,100<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate risk | NII risk concentration | US</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent', window );">Increase in profit due to reasonably possible increase in designated risk component</a></td>
<td class="nump">49,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate risk | NII risk concentration | Brazil</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent', window );">Increase in profit due to reasonably possible increase in designated risk component</a></td>
<td class="nump">57,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate risk | NII risk concentration | Euro | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent', window );">Increase in profit due to reasonably possible increase in designated risk component</a></td>
<td class="nump">561,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate risk | NII risk concentration | Pound sterling | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent', window );">Increase in profit due to reasonably possible increase in designated risk component</a></td>
<td class="nump">169,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate risk | NII risk concentration | US dollar | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent', window );">Increase in profit due to reasonably possible increase in designated risk component</a></td>
<td class="nump">50,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate risk | EVE risk concentration | US</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent', window );">Increase in profit due to reasonably possible increase in designated risk component</a></td>
<td class="nump">570,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate risk | EVE risk concentration | Brazil</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent', window );">Increase in profit due to reasonably possible increase in designated risk component</a></td>
<td class="nump">257,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate risk | EVE risk concentration | Chile</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent', window );">Increase in profit due to reasonably possible increase in designated risk component</a></td>
<td class="nump">225,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate risk | EVE risk concentration | Pound sterling | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent', window );">Increase in profit due to reasonably possible increase in designated risk component</a></td>
<td class="nump">1,087,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate risk | EVE risk concentration | US dollar | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent', window );">Increase in profit due to reasonably possible increase in designated risk component</a></td>
<td class="nump">104,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate risk | EVE risk concentration | Polish zloty | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent', window );">Increase in profit due to reasonably possible increase in designated risk component</a></td>
<td class="nump">614,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate risk | Weighted average</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">16,500<span></span>
</td>
<td class="nump">17,000<span></span>
</td>
<td class="nump">12,200<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Currency risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">&#8364; 6,300<span></span>
</td>
<td class="nump">5,900<span></span>
</td>
<td class="nump">4,800<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PercentOfCoreCapitalRatioCoveredAgainstRisk', window );">Core capital ratio for foreign exchange rate risk</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Currency risk | Weighted average</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">&#8364; 7,400<span></span>
</td>
<td class="nump">5,800<span></span>
</td>
<td class="nump">5,300<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">Equities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">8,100<span></span>
</td>
<td class="nump">9,500<span></span>
</td>
<td class="nump">6,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">Equities | Equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">&#8364; 147,000<span></span>
</td>
<td class="nump">127,000<span></span>
</td>
<td class="nump">171,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ValueAtRiskConfidenceLevelPercentage', window );">VaR confidence level, percent</a></td>
<td class="nump">99.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation', window );">Time frame, historical simulation</a></td>
<td class="text">1 day<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">Equities | Weighted average</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">&#8364; 6,500<span></span>
</td>
<td class="nump">&#8364; 6,000<span></span>
</td>
<td class="nump">&#8364; 3,200<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">Liquidity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LiquidityRiskNumberOfStandardScenariosDefined', window );">Number of standard scenarios defined | scenario</a></td>
<td class="nump">5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal', window );">Percent of total assets encumbered</a></td>
<td class="nump">23.10%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TotalEncumberedAssetsCarryingValue', window );">Total assets encumbered</a></td>
<td class="nump">&#8364; 2,122,932,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">Liquidity risk | Of&#160;which property collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CollateralAssetsNumberOfCategories', window );">Number of categories of encumbered assets | remuneration_component</a></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue', window );">Assets, collateral received and own debt securities issued other than covered bonds and ABSs encumbered</a></td>
<td class="nump">&#8364; 491,519,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue', window );">Matching liabilities, contingent liabilities or securities lent</a></td>
<td class="nump">472,045,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">Liquidity risk | Of&#160;which property collateral | On-balance-sheet assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Loans and advances to customers</a></td>
<td class="nump">&#8364; 304,923,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal', window );">Percent of total assets encumbered</a></td>
<td class="nump">50.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">Liquidity risk | Of&#160;which property collateral | Off-balance-sheet assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue', window );">Guarantees received committed</a></td>
<td class="nump">&#8364; 185,160,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a present economic resource controlled by the entity as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The fair value of collateral sold or repledged that was permitted to be sold or repledged in the absence of default by the owner of the collateral. [Refer: At fair value [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 15<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_15_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ValueAtRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The measure of a potential loss exposure as a result of future market movements, based on a specified confidence interval and measurement horizon.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 41<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_41&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ValueAtRisk</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The carrying value of assets that the entity has pledged as collateral for liabilities or contingent liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The carrying value of liabilities associated with assets that the entity has pledged as collateral for liabilities or contingent liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percent of total assets that the entity has pledged as collateral for liabilities or contingent liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CollateralAssetsNumberOfCategories">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of categories of encumbered assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CollateralAssetsNumberOfCategories</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DepositInsuredWithDepositGuaranteeSystemsRetailDepositsPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deposit Insured With Deposit Guarantee Systems, Retail Deposits, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DepositInsuredWithDepositGuaranteeSystemsRetailDepositsPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseComparedToLastYearInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) Compared To Last Year In Fair Value Of Financial Liability, Attributable To Changes In Credit Risk Of Liability</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseComparedToLastYearInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in profit and loss as a result of an increase in a designated risk component that was reasonably possible at the end of the reporting period. Excludes defined benefit plan obligations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IncreaseDecreaseInProfitAndLossDueToReasonablyPossibleIncreaseInDesignatedRiskComponent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LiquidityRiskNumberOfStandardScenariosDefined">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Liquidity Risk, Number Of Standard Scenarios Defined</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LiquidityRiskNumberOfStandardScenariosDefined</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PercentOfCoreCapitalRatioCoveredAgainstRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percent of the core capital ratio that is covered by risk management practices against the specified risk. ALSO, revise label to Core capital ratio coverage, as a percent</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PercentOfCoreCapitalRatioCoveredAgainstRisk</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RiskManagementVaRCalculationTimeFrame">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Risk Management, VaR Calculation, Time Frame</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RiskManagementVaRCalculationTimeFrame</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TotalEncumberedAssetsCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of total assets encumbered in funding transactions under EBA standards (total assets plus collateral received).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TotalEncumberedAssetsCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TransactionalDepositsPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Transactional Deposits, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TransactionalDepositsPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ValueAtEarningsConfidenceLevelPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The specified confidence level percentage used to measure potential profits due to the effects of future market movements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ValueAtEarningsConfidenceLevelPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ValueAtRiskConfidenceLevelPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The specified confidence level percentage used to measure potential loss exposure due to the effects of future market movements on value at risk.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ValueAtRiskConfidenceLevelPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The measurement horizon for the calculation of value at risk, i.e., losses per this number of days.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_WeightedAverageMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_WeightedAverageMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SensitivityAnalysisVariableAxis=san_NIIRiskConcentrationMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SensitivityAnalysisVariableAxis=san_NIIRiskConcentrationMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_US</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=country_BR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_BR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_EUR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_EUR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GeographicalAreasAxis=srt_EuropeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=srt_EuropeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_GBP">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_GBP</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CurrencyAxis=currency_USD">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_USD</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SensitivityAnalysisVariableAxis=san_EVERiskConcentrationMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SensitivityAnalysisVariableAxis=san_EVERiskConcentrationMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GeographicalAreasAxis=country_CL</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CurrencyAxis=currency_PLN</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_EquityInvestmentsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_Collateral1Axis=san_IFRSCollateralPledgedMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TypesOfAssetsAxis=san_OnBalanceSheetAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TypesOfAssetsAxis=san_OnBalanceSheetAssetsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TypesOfAssetsAxis=san_OffBalanceSheetAssetsMember</td>
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</html>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>430
<FILENAME>R348.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Risk management - Schedule of balance sheet items subject to trading market risk (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Aug. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">Cash, cash balances at central banks and other deposits on demand</a></td>
<td class="nump">&#8364; 152,281<span></span>
</td>
<td class="nump">&#8364; 96,923<span></span>
</td>
<td class="nump">&#8364; 192,208<span></span>
</td>
<td class="nump">&#8364; 220,342<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">252,318<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">230,253<span></span>
</td>
<td class="nump">176,921<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">7,761<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6,130<span></span>
</td>
<td class="nump">5,910<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">8,046<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,915<span></span>
</td>
<td class="nump">9,773<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">74,612<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">89,898<span></span>
</td>
<td class="nump">83,308<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">1,202,689<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,203,707<span></span>
</td>
<td class="nump">1,191,403<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging', window );">Hedging derivatives (assets)</a></td>
<td class="nump">3,931<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,672<span></span>
</td>
<td class="nump">5,297<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets', window );">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</a></td>
<td class="nump">50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(704)<span></span>
</td>
<td class="num">(788)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherAssets', window );">Other assets</a></td>
<td class="nump">8,719<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,559<span></span>
</td>
<td class="nump">8,856<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">1,867,515<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,837,081<span></span>
</td>
<td class="nump">1,797,062<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">171,546<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">152,151<span></span>
</td>
<td class="nump">122,270<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">42,148<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">36,360<span></span>
</td>
<td class="nump">40,367<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">1,421,184<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,484,322<span></span>
</td>
<td class="nump">1,468,703<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging', window );">Hedging derivatives (liabilities)</a></td>
<td class="nump">4,248<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,752<span></span>
</td>
<td class="nump">7,656<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities', window );">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</a></td>
<td class="nump">49<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(9)<span></span>
</td>
<td class="nump">55<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherLiabilities', window );">Other liabilities</a></td>
<td class="nump">15,937<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">16,344<span></span>
</td>
<td class="nump">17,598<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">1,754,767<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,729,754<span></span>
</td>
<td class="nump">1,692,821<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">TOTAL EQUITY</a></td>
<td class="nump">112,748<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 107,327<span></span>
</td>
<td class="nump">&#8364; 104,241<span></span>
</td>
<td class="nump">&#8364; 97,585<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember', window );">Market risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">Cash, cash balances at central banks and other deposits on demand</a></td>
<td class="nump">152,281<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">252,318<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">7,761<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">8,046<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">74,612<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">1,202,689<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging', window );">Hedging derivatives (assets)</a></td>
<td class="nump">3,931<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets', window );">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</a></td>
<td class="nump">50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherAssets', window );">Other assets</a></td>
<td class="nump">165,827<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">1,867,515<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">171,546<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">42,148<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">1,421,184<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging', window );">Hedging derivatives (liabilities)</a></td>
<td class="nump">4,248<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities', window );">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</a></td>
<td class="nump">49<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherLiabilities', window );">Other liabilities</a></td>
<td class="nump">115,592<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">1,754,767<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">TOTAL EQUITY</a></td>
<td class="nump">112,748<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_MarketRiskEvaluatedUsingValueAtRiskMetricMember', window );">VaR</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">252,318<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">5,815<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">2,281<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">171,546<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">Cash, cash balances at central banks and other deposits on demand</a></td>
<td class="nump">152,281<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets', window );">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</a></td>
<td class="nump">50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities', window );">Changes in the fair value of hedged items in portfolio hedges of interest rate risk</a></td>
<td class="nump">49<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_InterestRateAndCreditSpreadRiskMember', window );">Interest rate, spread</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue', window );">Non-trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">1,946<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial assets designated at fair value through profit or loss</a></td>
<td class="nump">8,046<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="nump">72,331<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">Financial assets at amortised cost</a></td>
<td class="nump">1,202,689<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition', window );">Financial liabilities designated at fair value through profit or loss</a></td>
<td class="nump">42,148<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">1,421,184<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_CurrencyAndInterestRateRiskMember', window );">Interest rate, exchange rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging', window );">Hedging derivatives (assets)</a></td>
<td class="nump">3,931<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging', window );">Hedging derivatives (liabilities)</a></td>
<td class="nump">&#8364; 4,248<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The accumulated amount of fair value hedge adjustment on a hedged item that is included in the carrying amount of the hedged item, recognised in the statement of financial position as an asset. [Refer: Hedged items [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 24B<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24B_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 61<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_61_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 61<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_61_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The accumulated amount of fair value hedge adjustment on a hedged item that is included in the carrying amount of the hedged item, recognised in the statement of financial position as a liability. [Refer: Hedged items [domain]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 24B<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24B_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 61<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_61_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 61<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_61_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a present economic resource controlled by the entity as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash on hand and demand deposits, along with short-term, highly liquid investments that are readily convertible to known amounts of cash and that are subject to an insignificant risk of changes in value. [Refer: Cash; Cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_a&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 169<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_169&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 169<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_169&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of derivative financial assets held for hedging. [Refer: Derivative financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DerivativeFinancialAssetsHeldForHedging</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of derivative financial liabilities held for hedging. [Refer: Derivative financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Equity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of residual interest in the assets of the entity after deducting all its liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Equity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at amortised cost. The amortised cost is the amount at which financial assets are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount, and adjusted for any impairment. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss classified as held for trading. A financial asset is classified as held for trading if: (a) it is acquired principally for the purpose of selling it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: At fair value [member]; Financial assets at fair value through profit or loss, mandatorily measured at fair value]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: At fair value [member]; Financial assets at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets mandatorily measured at fair value through profit or loss in accordance with IFRS 9. [Refer: Financial assets at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at amortised cost. The amortised cost is the amount at which financial liabilities are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount. [Refer: Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_g&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at fair value through profit or loss that meet the definition of held for trading. A financial liability is classified as held for trading if: (a) it is acquired or incurred principally for the purpose of selling or repurchasing it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: Financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at fair value through profit or loss that were designated as such upon initial recognition or subsequently. [Refer: At fair value [member]; Financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 44<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_44_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Liabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a present obligation of the entity to transfer an economic resource as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherLiabilities">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_MarketRiskEvaluatedUsingValueAtRiskMetricMember</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember</td>
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<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_InterestRateAndCreditSpreadRiskMember</td>
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<td></td>
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<td>na</td>
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<td></td>
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<td></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_CurrencyAndInterestRateRiskMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Risk management - Disclosure of concentrations by risk factor, trading risk (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
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<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ValueAtRiskConfidenceLevelPercentage', window );">VaR confidence level, percent</a></td>
<td class="nump">99.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfallConfidenceLevelPercentage', window );">ES confidence level, percent</a></td>
<td class="nump">97.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">&#8364; 18.7<span></span>
</td>
<td class="nump">&#8364; 18.7<span></span>
</td>
<td class="nump">&#8364; 13.5<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">16.9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember', window );">Market risk | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">13.2<span></span>
</td>
<td class="nump">16.0<span></span>
</td>
<td class="nump">11.8<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">13.2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember', window );">Market risk | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">5.5<span></span>
</td>
<td class="nump">6.4<span></span>
</td>
<td class="nump">5.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">5.3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember', window );">Market risk | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">5.8<span></span>
</td>
<td class="nump">9.5<span></span>
</td>
<td class="nump">7.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">5.9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember', window );">Market risk | Min</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">9.6<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember', window );">Market risk | Min | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">9.6<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember', window );">Market risk | Min | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">3.7<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember', window );">Market risk | Min | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">3.2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember', window );">Market risk | Average</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">17.6<span></span>
</td>
<td class="nump">17.1<span></span>
</td>
<td class="nump">11.7<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember', window );">Market risk | Average | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">15.0<span></span>
</td>
<td class="nump">12.7<span></span>
</td>
<td class="nump">9.4<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember', window );">Market risk | Average | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">5.8<span></span>
</td>
<td class="nump">6.9<span></span>
</td>
<td class="nump">4.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember', window );">Market risk | Average | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">7.6<span></span>
</td>
<td class="nump">9.0<span></span>
</td>
<td class="nump">7.3<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember', window );">Market risk | Max</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">29.2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember', window );">Market risk | Max | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">28.2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember', window );">Market risk | Max | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">8.9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember', window );">Market risk | Max | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">16.5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember', window );">Diversification effect</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(17.7)<span></span>
</td>
<td class="num">(27.3)<span></span>
</td>
<td class="num">(17.1)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="num">(18.9)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember', window );">Diversification effect | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(15.9)<span></span>
</td>
<td class="num">(18.4)<span></span>
</td>
<td class="num">(13.8)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="num">(17.8)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember', window );">Diversification effect | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(1.6)<span></span>
</td>
<td class="num">(0.8)<span></span>
</td>
<td class="num">(0.5)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="num">(1.8)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember', window );">Diversification effect | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(8.7)<span></span>
</td>
<td class="num">(5.5)<span></span>
</td>
<td class="num">(6.6)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="num">(6.2)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember', window );">Diversification effect | Min</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(10.7)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember', window );">Diversification effect | Min | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(8.9)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember', window );">Diversification effect | Min | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(0.4)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember', window );">Diversification effect | Min | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(0.3)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember', window );">Diversification effect | Average</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(21.0)<span></span>
</td>
<td class="num">(19.8)<span></span>
</td>
<td class="num">(14.9)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember', window );">Diversification effect | Average | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(18.0)<span></span>
</td>
<td class="num">(15.4)<span></span>
</td>
<td class="num">(10.5)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember', window );">Diversification effect | Average | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(1.7)<span></span>
</td>
<td class="num">(1.1)<span></span>
</td>
<td class="num">(0.7)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember', window );">Diversification effect | Average | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(5.2)<span></span>
</td>
<td class="num">(6.9)<span></span>
</td>
<td class="num">(6.2)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember', window );">Diversification effect | Max</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(59.3)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember', window );">Diversification effect | Max | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(32.4)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember', window );">Diversification effect | Max | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(6.3)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember', window );">Diversification effect | Max | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(28.7)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">15.3<span></span>
</td>
<td class="nump">20.2<span></span>
</td>
<td class="nump">11.1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">16.4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">11.4<span></span>
</td>
<td class="nump">14.4<span></span>
</td>
<td class="nump">8.2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">13.3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">4.8<span></span>
</td>
<td class="nump">6.6<span></span>
</td>
<td class="nump">5.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">4.9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">4.0<span></span>
</td>
<td class="nump">6.5<span></span>
</td>
<td class="nump">5.6<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">3.8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate | Min</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">11.2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate | Min | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">9.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate | Min | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">3.8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate | Min | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">2.8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate | Average</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">16.5<span></span>
</td>
<td class="nump">17.0<span></span>
</td>
<td class="nump">12.2<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate | Average | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">13.3<span></span>
</td>
<td class="nump">12.0<span></span>
</td>
<td class="nump">9.1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate | Average | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">5.9<span></span>
</td>
<td class="nump">6.9<span></span>
</td>
<td class="nump">3.7<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate | Average | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">7.2<span></span>
</td>
<td class="nump">8.8<span></span>
</td>
<td class="nump">7.3<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate | Max</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">23.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate | Max | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">19.2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate | Max | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">8.8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember', window );">Interest rate | Max | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">18.1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">Equities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">8.1<span></span>
</td>
<td class="nump">9.5<span></span>
</td>
<td class="nump">6.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">7.5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">Equities | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">7.4<span></span>
</td>
<td class="nump">8.8<span></span>
</td>
<td class="nump">5.8<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">7.1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">Equities | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">1.0<span></span>
</td>
<td class="nump">0.1<span></span>
</td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">1.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">Equities | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">2.2<span></span>
</td>
<td class="nump">2.1<span></span>
</td>
<td class="nump">2.4<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">2.3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">Equities | Min</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">2.4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">Equities | Min | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">2.7<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">Equities | Min | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">0.1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">Equities | Min | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">0.2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">Equities | Average</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">6.5<span></span>
</td>
<td class="nump">6.0<span></span>
</td>
<td class="nump">3.2<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">Equities | Average | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">6.4<span></span>
</td>
<td class="nump">5.9<span></span>
</td>
<td class="nump">2.8<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">Equities | Average | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">0.8<span></span>
</td>
<td class="nump">0.2<span></span>
</td>
<td class="nump">0.2<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">Equities | Average | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">1.5<span></span>
</td>
<td class="nump">1.2<span></span>
</td>
<td class="nump">1.4<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">Equities | Max</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">10.8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">Equities | Max | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">11.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">Equities | Max | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">3.2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">Equities | Max | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">7.2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Exchange rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">6.3<span></span>
</td>
<td class="nump">5.9<span></span>
</td>
<td class="nump">4.8<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">5.8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Exchange rate | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">5.3<span></span>
</td>
<td class="nump">5.8<span></span>
</td>
<td class="nump">5.2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">5.7<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Exchange rate | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">1.3<span></span>
</td>
<td class="nump">0.5<span></span>
</td>
<td class="nump">0.5<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">1.2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Exchange rate | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">6.5<span></span>
</td>
<td class="nump">1.3<span></span>
</td>
<td class="nump">3.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">4.7<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Exchange rate | Min</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">3.3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Exchange rate | Min | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">3.7<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Exchange rate | Min | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">0.2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Exchange rate | Min | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">0.4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Exchange rate | Average</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">7.4<span></span>
</td>
<td class="nump">5.8<span></span>
</td>
<td class="nump">5.3<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Exchange rate | Average | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">7.3<span></span>
</td>
<td class="nump">5.1<span></span>
</td>
<td class="nump">3.5<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Exchange rate | Average | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">0.8<span></span>
</td>
<td class="nump">0.9<span></span>
</td>
<td class="nump">0.8<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Exchange rate | Average | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">1.6<span></span>
</td>
<td class="nump">2.7<span></span>
</td>
<td class="nump">3.2<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Exchange rate | Max</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">37.5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Exchange rate | Max | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">19.7<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Exchange rate | Max | Total North America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">3.2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Exchange rate | Max | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">12.9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_CreditSpreadRiskMember', window );">Credit spread</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">4.8<span></span>
</td>
<td class="nump">5.3<span></span>
</td>
<td class="nump">6.1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">4.8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_CreditSpreadRiskMember', window );">Credit spread | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">4.9<span></span>
</td>
<td class="nump">5.3<span></span>
</td>
<td class="nump">6.1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">4.8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_CreditSpreadRiskMember', window );">Credit spread | Min</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">3.2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_CreditSpreadRiskMember', window );">Credit spread | Min | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">3.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_CreditSpreadRiskMember', window );">Credit spread | Average</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">5.7<span></span>
</td>
<td class="nump">4.9<span></span>
</td>
<td class="nump">4.3<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_CreditSpreadRiskMember', window );">Credit spread | Average | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">5.8<span></span>
</td>
<td class="nump">4.9<span></span>
</td>
<td class="nump">4.3<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_CreditSpreadRiskMember', window );">Credit spread | Max</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">10.2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_CreditSpreadRiskMember', window );">Credit spread | Max | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">10.4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CommodityPriceRiskMember', window );">Commodities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">1.9<span></span>
</td>
<td class="nump">5.1<span></span>
</td>
<td class="nump">2.6<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">1.3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CommodityPriceRiskMember', window );">Commodities | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">0.1<span></span>
</td>
<td class="nump">0.1<span></span>
</td>
<td class="nump">0.3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">0.1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CommodityPriceRiskMember', window );">Commodities | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">1.8<span></span>
</td>
<td class="nump">5.1<span></span>
</td>
<td class="nump">2.6<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExpectedShortfall', window );">Expected shortfall</a></td>
<td class="nump">1.3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CommodityPriceRiskMember', window );">Commodities | Min</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">0.2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CommodityPriceRiskMember', window );">Commodities | Min | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">0.1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CommodityPriceRiskMember', window );">Commodities | Min | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">0.1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CommodityPriceRiskMember', window );">Commodities | Average</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">2.5<span></span>
</td>
<td class="nump">3.2<span></span>
</td>
<td class="nump">1.6<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CommodityPriceRiskMember', window );">Commodities | Average | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">0.2<span></span>
</td>
<td class="nump">0.2<span></span>
</td>
<td class="nump">0.2<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CommodityPriceRiskMember', window );">Commodities | Average | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">2.5<span></span>
</td>
<td class="nump">&#8364; 3.2<span></span>
</td>
<td class="nump">&#8364; 1.6<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CommodityPriceRiskMember', window );">Commodities | Max</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">7.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CommodityPriceRiskMember', window );">Commodities | Max | Total Europe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">0.3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CommodityPriceRiskMember', window );">Commodities | Max | Total South America</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">&#8364; 7.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ValueAtRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The measure of a potential loss exposure as a result of future market movements, based on a specified confidence interval and measurement horizon.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 41<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_41&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ValueAtRisk</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ExpectedShortfall">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Expected Shortfall</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ExpectedShortfall</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ExpectedShortfallConfidenceLevelPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Expected Shortfall, Confidence Level Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ExpectedShortfallConfidenceLevelPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TimeHorizonValueAtRiskAndExpectedShortfallConfidenceLevelPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Time Horizon, Value At Risk And Expected Shortfall Confidence Level, Period</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TimeHorizonValueAtRiskAndExpectedShortfallConfidenceLevelPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ValueAtRiskConfidenceLevelPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The specified confidence level percentage used to measure potential loss exposure due to the effects of future market movements on value at risk.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ValueAtRiskConfidenceLevelPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_MarketRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=srt_EuropeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=srt_EuropeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=srt_NorthAmericaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=srt_NorthAmericaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=srt_SouthAmericaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=srt_SouthAmericaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_WeightedAverageMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_WeightedAverageMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_InterestRateRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=san_CreditSpreadRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_CreditSpreadRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CommodityPriceRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_CommodityPriceRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</div>
</body>
</html>
</TEXT>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>432
<FILENAME>R350.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Risk management - Disclosure of concentrations by risk factor, structural risk (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=san_StructuralRisksMember', window );">Structural VaR</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ValueAtRiskConfidenceLevelPercentage', window );">VaR percentage</a></td>
<td class="nump">99.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ValueAtRiskConfidenceLevelTimeFrameHistoricalSimulation', window );">Time horizon</a></td>
<td class="text">1 day<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember', window );">Diversification effect</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">&#8364; (17.7)<span></span>
</td>
<td class="num">&#8364; (27.3)<span></span>
</td>
<td class="num">&#8364; (17.1)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember', window );">Diversification effect | Min</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(10.7)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember', window );">Diversification effect | Average</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(21.0)<span></span>
</td>
<td class="num">(19.8)<span></span>
</td>
<td class="num">(14.9)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember', window );">Diversification effect | Max</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(59.3)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Exchange rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">6.3<span></span>
</td>
<td class="nump">5.9<span></span>
</td>
<td class="nump">4.8<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Exchange rate | Min</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">3.3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Exchange rate | Average</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">7.4<span></span>
</td>
<td class="nump">5.8<span></span>
</td>
<td class="nump">5.3<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_CurrencyRiskMember', window );">Exchange rate | Max</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">37.5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">VaR Equities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">8.1<span></span>
</td>
<td class="nump">9.5<span></span>
</td>
<td class="nump">6.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">VaR Equities | Min</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">2.4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">VaR Equities | Average</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">6.5<span></span>
</td>
<td class="nump">6.0<span></span>
</td>
<td class="nump">3.2<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember', window );">VaR Equities | Max</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">10.8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember', window );">Banking book | Structural VaR</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">690.1<span></span>
</td>
<td class="nump">687.5<span></span>
</td>
<td class="nump">749.5<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember', window );">Banking book | Structural VaR | Min</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">598.5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember', window );">Banking book | Structural VaR | Average</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">662.9<span></span>
</td>
<td class="nump">747.7<span></span>
</td>
<td class="nump">705.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember', window );">Banking book | Structural VaR | Max</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">751.9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember', window );">Banking book | Diversification effect</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(206.6)<span></span>
</td>
<td class="num">(268.6)<span></span>
</td>
<td class="num">(444.7)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember', window );">Banking book | Diversification effect | Min</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(155.9)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember', window );">Banking book | Diversification effect | Average</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(258.4)<span></span>
</td>
<td class="num">(386.4)<span></span>
</td>
<td class="num">(416.6)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember', window );">Banking book | Diversification effect | Max</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="num">(265.6)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember', window );">Banking book | VaR Interest Rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">177.6<span></span>
</td>
<td class="nump">235.2<span></span>
</td>
<td class="nump">380.2<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember', window );">Banking book | VaR Interest Rate | Min</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">158.3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember', window );">Banking book | VaR Interest Rate | Average</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">177.3<span></span>
</td>
<td class="nump">412.0<span></span>
</td>
<td class="nump">348.4<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember', window );">Banking book | VaR Interest Rate | Max</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">205.8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember', window );">Banking book | Exchange rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">572.4<span></span>
</td>
<td class="nump">594.4<span></span>
</td>
<td class="nump">642.9<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember', window );">Banking book | Exchange rate | Min</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">486.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember', window );">Banking book | Exchange rate | Average</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">597.7<span></span>
</td>
<td class="nump">571.7<span></span>
</td>
<td class="nump">580.4<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember', window );">Banking book | Exchange rate | Max</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">648.7<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember', window );">Banking book | VaR Equities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">146.7<span></span>
</td>
<td class="nump">126.5<span></span>
</td>
<td class="nump">171.1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember', window );">Banking book | VaR Equities | Min</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">110.1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember', window );">Banking book | VaR Equities | Average</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">146.3<span></span>
</td>
<td class="nump">&#8364; 150.4<span></span>
</td>
<td class="nump">&#8364; 192.8<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember', window );">Banking book | VaR Equities | Max</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems', window );"><strong>Disclosure of nature and extent of risks arising from financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ValueAtRisk', window );">VaR</a></td>
<td class="nump">&#8364; 163.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsLineItems</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The measure of a potential loss exposure as a result of future market movements, based on a specified confidence interval and measurement horizon.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 41<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_41&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ValueAtRisk</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The specified confidence level percentage used to measure potential loss exposure due to the effects of future market movements on value at risk.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ValueAtRiskConfidenceLevelPercentage</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The measurement horizon for the calculation of value at risk, i.e., losses per this number of days.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_StructuralRisksMember</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_RiskDiversificationEffectMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_TopOfRangeMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_EquityPriceRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=san_BankingBookMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=san_InterestRateAndCreditSpreadRiskMember</td>
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<tr>
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<td></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Risk management - Disclosure of high quality liquid assets (Details) - Liquidity risk - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial assets held for managing liquidity risk [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_HighQualityLiquidAssets', window );">High-quality liquid assets-HQLAs</a></td>
<td class="nump">&#8364; 337,937<span></span>
</td>
<td class="nump">&#8364; 351,304<span></span>
</td>
<td class="nump">&#8364; 348,028<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=san_CashCashBalanceAtCentralBanksAndOtherDepositsOnDemandMember', window );">Cash and reserves available at central banks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial assets held for managing liquidity risk [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_HighQualityLiquidAssets', window );">High-quality liquid assets-HQLAs</a></td>
<td class="nump">150,883<span></span>
</td>
<td class="nump">188,745<span></span>
</td>
<td class="nump">217,935<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=san_MarketableAssetsLevel1Member', window );">Marketable assets Level 1</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial assets held for managing liquidity risk [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_HighQualityLiquidAssets', window );">High-quality liquid assets-HQLAs</a></td>
<td class="nump">173,744<span></span>
</td>
<td class="nump">150,912<span></span>
</td>
<td class="nump">119,043<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=san_MarketableAssetsLevel2AMember', window );">Marketable assets Level 2A</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial assets held for managing liquidity risk [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_HighQualityLiquidAssets', window );">High-quality liquid assets-HQLAs</a></td>
<td class="nump">5,726<span></span>
</td>
<td class="nump">4,696<span></span>
</td>
<td class="nump">4,236<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=san_MarketableAssetsLevel2BMember', window );">Marketable assets Level 2B</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial assets held for managing liquidity risk [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_HighQualityLiquidAssets', window );">High-quality liquid assets-HQLAs</a></td>
<td class="nump">&#8364; 7,584<span></span>
</td>
<td class="nump">&#8364; 6,951<span></span>
</td>
<td class="nump">&#8364; 6,814<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>High-Quality Liquid Assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_HighQualityLiquidAssets</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=san_CashCashBalanceAtCentralBanksAndOtherDepositsOnDemandMember</td>
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<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=san_MarketableAssetsLevel1Member</td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=san_MarketableAssetsLevel2AMember</td>
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<head>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Risk management - Disclosure of liquidity coverage ratio by component (Details) - Liquidity risk - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskLineItems', window );"><strong>Disclosure of maturity analysis for financial assets held for managing liquidity risk [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_HighQualityLiquidAssetsAdjusted', window );">High-quality liquid assets-HQLAs</a></td>
<td class="nump">&#8364; 301,618<span></span>
</td>
<td class="nump">&#8364; 315,524<span></span>
</td>
<td class="nump">&#8364; 348,028<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_HighQualityLiquidAssetsCashOutflowInflow', window );">Total net cash outflows (denominator)</a></td>
<td class="nump">208,388<span></span>
</td>
<td class="nump">206,889<span></span>
</td>
<td class="nump">209,892<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_HighQualityLiquidAssetsCashOutflow', window );">Cash outflows</a></td>
<td class="nump">287,044<span></span>
</td>
<td class="nump">278,760<span></span>
</td>
<td class="nump">282,982<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_HighQualityLiquidAssetsCashInflow', window );">Cash inflows</a></td>
<td class="nump">&#8364; 78,656<span></span>
</td>
<td class="nump">&#8364; 71,871<span></span>
</td>
<td class="nump">&#8364; 73,090<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ConsolidatedLiquidityCoverageRatio', window );">Consolidated LCR ratio (%)</a></td>
<td class="nump">145.00%<span></span>
</td>
<td class="nump">153.00%<span></span>
</td>
<td class="nump">166.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GroupLiquidityCoverageRatio', window );">Group LCR ratio (%)</a></td>
<td class="nump">155.00%<span></span>
</td>
<td class="nump">168.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetStableFundingRatio', window );">NSFR ratio (%)</a></td>
<td class="nump">126.00%<span></span>
</td>
<td class="nump">126.00%<span></span>
</td>
<td class="nump">123.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:stringItemType</td>
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<td>na</td>
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<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Consolidated Liquidity Coverage Ratio</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ConsolidatedLiquidityCoverageRatio</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Group Liquidity Coverage Ratio</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GroupLiquidityCoverageRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_HighQualityLiquidAssetsAdjusted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>High-Quality Liquid Assets, Adjusted</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_HighQualityLiquidAssetsAdjusted</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_HighQualityLiquidAssetsCashInflow">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>High-Quality Liquid Assets, Cash Inflow</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_HighQualityLiquidAssetsCashInflow</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_HighQualityLiquidAssetsCashOutflow">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>High-Quality Liquid Assets, Cash Outflow</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_HighQualityLiquidAssetsCashOutflow</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_HighQualityLiquidAssetsCashOutflowInflow">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>High-Quality Liquid Assets, Cash Outflow (Inflow)</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_HighQualityLiquidAssetsCashOutflowInflow</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NetStableFundingRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net Stable Funding Ratio</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NetStableFundingRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Risk management - Schedule of maturity analysis of assets and guarantees received and committed (Details) - Liquidity risk - With mortgage collateral<br> &#8364; in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">On-balance-sheet assets</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities', window );">Committed assets</a></td>
<td class="nump">&#8364; 306,400<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">On-balance-sheet assets | Unmatured</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities', window );">Committed assets</a></td>
<td class="nump">24,200<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">On-balance-sheet assets | 1 month</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities', window );">Committed assets</a></td>
<td class="nump">50,700<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">On-balance-sheet assets | 1 to 3 months</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities', window );">Committed assets</a></td>
<td class="nump">14,100<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">On-balance-sheet assets | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities', window );">Committed assets</a></td>
<td class="nump">38,400<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">On-balance-sheet assets | 1 to 2 years</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities', window );">Committed assets</a></td>
<td class="nump">38,800<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">On-balance-sheet assets | 2 to 3 years</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities', window );">Committed assets</a></td>
<td class="nump">29,500<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">On-balance-sheet assets | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities', window );">Committed assets</a></td>
<td class="nump">37,700<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">On-balance-sheet assets | 5 to 10 years</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities', window );">Committed assets</a></td>
<td class="nump">36,300<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">On-balance-sheet assets | More than 10 years</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities', window );">Committed assets</a></td>
<td class="nump">36,600<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">Off-balance-sheet assets</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue', window );">Guarantees received committed</a></td>
<td class="nump">185,160<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">Off-balance-sheet assets | Unmatured</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue', window );">Guarantees received committed</a></td>
<td class="nump">2,200<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">Off-balance-sheet assets | 1 month</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue', window );">Guarantees received committed</a></td>
<td class="nump">85,200<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">Off-balance-sheet assets | 1 to 3 months</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue', window );">Guarantees received committed</a></td>
<td class="nump">28,200<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">Off-balance-sheet assets | 3 to 12 months</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue', window );">Guarantees received committed</a></td>
<td class="nump">61,800<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">Off-balance-sheet assets | 1 to 2 years</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue', window );">Guarantees received committed</a></td>
<td class="nump">4,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">Off-balance-sheet assets | 2 to 3 years</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue', window );">Guarantees received committed</a></td>
<td class="nump">800<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">Off-balance-sheet assets | 3&#160;to&#160;5 years</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue', window );">Guarantees received committed</a></td>
<td class="nump">1,900<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">Off-balance-sheet assets | 5 to 10 years</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue', window );">Guarantees received committed</a></td>
<td class="nump">1,100<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember', window );">Off-balance-sheet assets | More than 10 years</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue', window );">Guarantees received committed</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The fair value of collateral sold or repledged that was permitted to be sold or repledged in the absence of default by the owner of the collateral. [Refer: At fair value [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 15<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_15_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AssetsSoldOrRepledgedAsCollateralAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Committed Assets, Including Own Debt Securities Other Than Covered Bonds And Asset Backed Securities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TypesOfAssetsAxis=san_OnBalanceSheetAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TypesOfAssetsAxis=san_OnBalanceSheetAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_Collateral1Axis=san_IFRSCollateralPledgedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=san_UnmaturedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=san_UnmaturedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_NotLaterThanOneMonthMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_NotLaterThanOneMonthMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanOneMonthAndNotLaterThanThreeMonthsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeMonthsAndNotLaterThanOneYearMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanOneYearAndNotLaterThanTwoYearsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanTwoYearsAndNotLaterThanThreeYearsMember</td>
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<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanThreeYearsAndNotLaterThanFiveYearsMember</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td style="white-space:nowrap;">ifrs-full_MaturityAxis=ifrs-full_LaterThanFiveYearsAndNotLaterThanTenYearsMember</td>
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<FILENAME>R354.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<title></title>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Risk management - Schedule of on-balance-sheet encumbered assets (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Loans and advances to customers</a></td>
<td class="nump">&#8364; 1,867,515<span></span>
</td>
<td class="nump">&#8364; 1,837,081<span></span>
</td>
<td class="nump">&#8364; 1,797,062<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember', window );">Encumbered assets | On-balance-sheet assets | Liquidity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Loans and advances to customers</a></td>
<td class="nump">304,923<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember', window );">Encumbered assets | On-balance-sheet assets | Loans and advances | Liquidity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Loans and advances to customers</a></td>
<td class="nump">152,500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember', window );">Encumbered assets | On-balance-sheet assets | Equity instruments | Liquidity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Loans and advances to customers</a></td>
<td class="nump">11,400<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IFRSAssetsFairValueDisclosure', window );">Fair value of assets</a></td>
<td class="nump">11,400<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember', window );">Encumbered assets | On-balance-sheet assets | Debt securities | Liquidity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Loans and advances to customers</a></td>
<td class="nump">117,900<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IFRSAssetsFairValueDisclosure', window );">Fair value of assets</a></td>
<td class="nump">118,500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember', window );">Encumbered assets | On-balance-sheet assets | Other | Liquidity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Loans and advances to customers</a></td>
<td class="nump">23,100<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSUncollateralizedMember', window );">Non-encumbered assets | On-balance-sheet assets | Liquidity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Loans and advances to customers</a></td>
<td class="nump">1,562,700<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSUncollateralizedMember', window );">Non-encumbered assets | On-balance-sheet assets | Loans and advances | Liquidity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Loans and advances to customers</a></td>
<td class="nump">1,149,400<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSUncollateralizedMember', window );">Non-encumbered assets | On-balance-sheet assets | Equity instruments | Liquidity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Loans and advances to customers</a></td>
<td class="nump">18,700<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IFRSAssetsFairValueDisclosure', window );">Fair value of assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSUncollateralizedMember', window );">Non-encumbered assets | On-balance-sheet assets | Debt securities | Liquidity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Loans and advances to customers</a></td>
<td class="nump">182,200<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IFRSAssetsFairValueDisclosure', window );">Fair value of assets</a></td>
<td class="nump">180,700<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSUncollateralizedMember', window );">Non-encumbered assets | On-balance-sheet assets | Other | Liquidity risk</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">Loans and advances to customers</a></td>
<td class="nump">&#8364; 212,400<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a present economic resource controlled by the entity as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems</td>
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<tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of fair value of asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IFRSAssetsFairValueDisclosure</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfAssetsAxis=san_LoansAndAdvancesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=san_LoansAndAdvancesMember</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_EquityInvestmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=ifrs-full_EquityInvestmentsMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=ifrs-full_DebtSecuritiesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_Collateral1Axis=san_IFRSUncollateralizedMember</td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Risk management - Schedule of encumbrance of collateral received (Details) - Encumbered assets - Off-balance-sheet assets - Liquidity risk<br> &#8364; in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance', window );">Fair value of collateral received or own debt securities issued available for encumbrance</a></td>
<td class="nump">70,300.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember', window );">Loans and advances</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued', window );">Fair value of encumbered collateral received or own debt securities issued</a></td>
<td class="nump">500.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance', window );">Fair value of collateral received or own debt securities issued available for encumbrance</a></td>
<td class="nump">0.0<span></span>
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</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember', window );">Equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued', window );">Fair value of encumbered collateral received or own debt securities issued</a></td>
<td class="nump">12,200.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance', window );">Fair value of collateral received or own debt securities issued available for encumbrance</a></td>
<td class="nump">7,100.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember', window );">Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued', window );">Fair value of encumbered collateral received or own debt securities issued</a></td>
<td class="nump">172,500.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance', window );">Fair value of collateral received or own debt securities issued available for encumbrance</a></td>
<td class="nump">63,100.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember', window );">Other collateral received</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued', window );">Fair value of encumbered collateral received or own debt securities issued</a></td>
<td class="nump">0.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance', window );">Fair value of collateral received or own debt securities issued available for encumbrance</a></td>
<td class="nump">100.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_Collateral1Axis=san_IFRSCollateralPledgedMember', window );">Own debt securities issued other than own covered bonds or ABSs</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued', window );">Fair value of encumbered collateral received or own debt securities issued</a></td>
<td class="nump">1,400.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance', window );">Fair value of collateral received or own debt securities issued available for encumbrance</a></td>
<td class="nump">&#8364; 1,100.0<span></span>
</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair Value Of Collateral Received Or Own Debt Securities Issued, Available For Encumbrance</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair Value Of Encumbered Collateral Received Or Own Debt Securities Issued</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued</td>
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<td><strong> Name:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Risk management - Schedule of encumbered assets and collateral received and matching liabilities (Details) - Encumbered assets - Liquidity risk<br> &#8364; in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems', window );"><strong>Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="nump">&#8364; 491,519<span></span>
</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsLineItems</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The carrying value of assets that the entity has pledged as collateral for liabilities or contingent liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The carrying value of liabilities associated with assets that the entity has pledged as collateral for liabilities or contingent liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_Collateral1Axis=san_IFRSCollateralPledgedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfRisksAxis=ifrs-full_LiquidityRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>439
<FILENAME>R357.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Risk management - Capital risk (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>indicator </div>
<div>banks </div>
<div>branch</div>
</th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems', window );"><strong>IFRS Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommonEquityTierOneCapitalRatio1', window );">CET1 phase-in percentage</a></td>
<td class="nump">13.46%<span></span>
</td>
<td class="nump">12.78%<span></span>
</td>
<td class="nump">12.30%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets', window );">Tier 1 phase in capital ratio</a></td>
<td class="nump">15.00%<span></span>
</td>
<td class="nump">14.44%<span></span>
</td>
<td class="nump">13.75%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IFRSCapitalToRiskWeightedAssets', window );">Total phase-in capital</a></td>
<td class="nump">17.77%<span></span>
</td>
<td class="nump">17.39%<span></span>
</td>
<td class="nump">16.39%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfBanksDesignatedAsGlobalSystemicallyImportantBanks', window );">Number of global systemically important banks (G-SIBs) | banks</a></td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GlobalSystemicallyImportantBankDesignationNumberOfCriteria', window );">G-SIB designation, number of criteria | indicator</a></td>
<td class="nump">5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GlobalSystemicallyImportantBanksCapitalBufferPercentage', window );">G-SIB, capital buffer percentage</a></td>
<td class="nump">1.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NumberOfCapitalBuffer', window );">Number of capital buffer | branch</a></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DomesticSystemicallyImportantEntitiesCapitalBufferPercentage', window );">Domestic systemic entities, capital buffer percentage</a></td>
<td class="nump">1.25%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember', window );">Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems', window );"><strong>IFRS Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommonEquityTierOneCapitalRatio1', window );">CET1 phase-in percentage</a></td>
<td class="nump">9.84%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommonEquityPillarOneCapitalRatio', window );">Pillar 1 percentage</a></td>
<td class="nump">4.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommonEquityPillarTwoCapitalRatio', window );">Pillar 2 percentage</a></td>
<td class="nump">0.98%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommonEquityCapitalConservationBufferPercentage', window );">Capital conservation buffer, percentage</a></td>
<td class="nump">2.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommonEquityTierOneCapitalRatioGlobalSystemicallyImportantEntity', window );">Globally systemically important entity percentage</a></td>
<td class="nump">1.25%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommonEquityTierOneCapitalCountercyclicalBufferPercentage', window );">Percentage of anti cyclical buffer on common equity Tier1 capital</a></td>
<td class="nump">0.55%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommonEquityTierOneCapitalSystematicRiskRequirement', window );">Systematic risk requirement</a></td>
<td class="nump">0.05%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets', window );">Tier 1 phase in capital ratio</a></td>
<td class="nump">11.66%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IFRSCapitalToRiskWeightedAssets', window );">Total phase-in capital</a></td>
<td class="nump">14.10%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CommonEquityCapitalConservationBufferPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of Common Equity Capital required to be maintained to avoid breaches of minimum capital requirements, as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CommonEquityCapitalConservationBufferPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CommonEquityPillarOneCapitalRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of Common Equity Pillar One Risk-based Capital to total risk-weighted assets, as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CommonEquityPillarOneCapitalRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CommonEquityPillarTwoCapitalRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of Common Equity Pillar 2 Risk-based Capital to total risk-weighted assets, as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CommonEquityPillarTwoCapitalRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CommonEquityTierOneCapitalCountercyclicalBufferPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of countercyclical buffer on common equity Tier1 capital.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CommonEquityTierOneCapitalCountercyclicalBufferPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CommonEquityTierOneCapitalRatio1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of Common Equity Tier One Risk-based Capital to total risk-weighted assets, as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CommonEquityTierOneCapitalRatio1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CommonEquityTierOneCapitalRatioGlobalSystemicallyImportantEntity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Additional percentage of Common Equity Tier One Risk-based Capital to total risk-weighted assets required for an entity defined as a systemically important financial institution (SIFI), as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CommonEquityTierOneCapitalRatioGlobalSystemicallyImportantEntity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CommonEquityTierOneCapitalSystematicRiskRequirement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Common Equity Tier One Capital, Systematic Risk Requirement</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CommonEquityTierOneCapitalSystematicRiskRequirement</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DisclosureOfIFRSComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DomesticSystemicallyImportantEntitiesCapitalBufferPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Domestic Systemically Important Entities, Capital Buffer Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DomesticSystemicallyImportantEntitiesCapitalBufferPercentage</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GlobalSystemicallyImportantBankDesignationNumberOfCriteria">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of criteria used to determine designation as global systemically important bank.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GlobalSystemicallyImportantBankDesignationNumberOfCriteria</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
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<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GlobalSystemicallyImportantBanksCapitalBufferPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of capital buffer specified in total loss absorbing capacity (TLAC) requirements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GlobalSystemicallyImportantBanksCapitalBufferPercentage</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IFRSCapitalToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Total Capital divided by risk weighted assets as defined in the international regulations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IFRSCapitalToRiskWeightedAssets</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tier 1 capital divided by risk weighted assets as defined by international regulations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfBanksDesignatedAsGlobalSystemicallyImportantBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of banks designated as global systemically important banks (G-SIBs).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfBanksDesignatedAsGlobalSystemicallyImportantBanks</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NumberOfCapitalBuffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number Of Capital Buffer</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NumberOfCapitalBuffer</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RangeAxis=ifrs-full_BottomOfRangeMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td>na</td>
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<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Risk management - Schedule of reconciliation of accounting capital with regulatory capital (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RiskManagementAbstract', window );"><strong>Risk Management [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuedCapital', window );">Subscribed capital</a></td>
<td class="nump">&#8364; 7,345<span></span>
</td>
<td class="nump">&#8364; 7,576<span></span>
</td>
<td class="nump">&#8364; 8,092<span></span>
</td>
<td class="nump">&#8364; 8,397<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SharePremium', window );">Share premium account</a></td>
<td class="nump">36,792<span></span>
</td>
<td class="nump">40,079<span></span>
</td>
<td class="nump">44,373<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CapitalReserve', window );">Reserves</a></td>
<td class="nump">84,700<span></span>
</td>
<td class="nump">76,568<span></span>
</td>
<td class="nump">69,278<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_TreasuryShares', window );">Treasury shares</a></td>
<td class="num">(96)<span></span>
</td>
<td class="num">(68)<span></span>
</td>
<td class="num">(1,078)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProfitLossAttributableToShareholdersOfParent', window );">Attributable profit</a></td>
<td class="nump">14,101<span></span>
</td>
<td class="nump">12,574<span></span>
</td>
<td class="nump">11,076<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InterimDividends', window );">Approved dividend</a></td>
<td class="num">(1,698)<span></span>
</td>
<td class="num">(1,532)<span></span>
</td>
<td class="num">(1,298)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EquityAttributableToOwnersOfParentBeforeValuationAdjustments', window );">Shareholders&#8217; equity on public balance sheet</a></td>
<td class="nump">141,144<span></span>
</td>
<td class="nump">135,197<span></span>
</td>
<td class="nump">130,443<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReservesValuationAdjustments', window );">Valuation adjustments</a></td>
<td class="num">(37,973)<span></span>
</td>
<td class="num">(36,596)<span></span>
</td>
<td class="num">(35,020)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_NoncontrollingInterests', window );">Non-controlling interests</a></td>
<td class="nump">9,578<span></span>
</td>
<td class="nump">8,726<span></span>
</td>
<td class="nump">8,818<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">TOTAL EQUITY</a></td>
<td class="nump">112,748<span></span>
</td>
<td class="nump">107,327<span></span>
</td>
<td class="nump">104,241<span></span>
</td>
<td class="nump">&#8364; 97,585<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill', window );">Goodwill and intangible assets</a></td>
<td class="num">(15,037)<span></span>
</td>
<td class="num">(16,098)<span></span>
</td>
<td class="num">(17,313)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities', window );">Eligible preference shares and participating securities</a></td>
<td class="nump">9,645<span></span>
</td>
<td class="nump">10,371<span></span>
</td>
<td class="nump">9,002<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RegulatoryCapitalAdjustmentAccruedDividend', window );">Accrued dividend</a></td>
<td class="num">(1,827)<span></span>
</td>
<td class="num">(1,611)<span></span>
</td>
<td class="num">(1,471)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RegulatoryCapitalOtherAdjustments', window );">Other adjustments</a></td>
<td class="num">(11,146)<span></span>
</td>
<td class="num">(9,817)<span></span>
</td>
<td class="num">(8,717)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IfrsCommonEquityTierOneCapital', window );">Tier 1</a></td>
<td class="nump">&#8364; 94,383<span></span>
</td>
<td class="nump">&#8364; 90,172<span></span>
</td>
<td class="nump">&#8364; 85,742<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RegulatoryCapitalAdjustmentAccruedDividendOrdinaryProfitAssumptionPercentage', window );">Ordinary profit assumption</a></td>
<td class="nump">25.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CapitalReserve">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the capital reserves.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CapitalReserve</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Equity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of residual interest in the assets of the entity after deducting all its liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Equity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IssuedCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The nominal value of capital issued.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IssuedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NoncontrollingInterests">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of equity in a subsidiary not attributable, directly or indirectly, to a parent. [Refer: Total for all subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 10<br> -IssueDate 2025-01-01<br> -Paragraph 22<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=10&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_22&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 12<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_12_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph q<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_q&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NoncontrollingInterests</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SharePremium">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount received or receivable from the issuance of the entity's shares in excess of nominal value.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SharePremium</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TreasuryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>An entity&#8217;s own equity instruments, held by the entity or other members of the consolidated group.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 32<br> -IssueDate 2025-01-01<br> -Paragraph 34<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=32&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_34&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TreasuryShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EquityAttributableToOwnersOfParentBeforeValuationAdjustments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Equity Attributable To Owners Of Parent, Before Valuation Adjustments</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EquityAttributableToOwnersOfParentBeforeValuationAdjustments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IfrsCommonEquityTierOneCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of Common Equity Tier One Risk-based Capital, as defined by international regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IfrsCommonEquityTierOneCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InterimDividends">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interim Dividends</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InterimDividends</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherReservesValuationAdjustments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing reserves for items not reclassified through profit or loss and items that may be reclassified to profit or loss.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherReservesValuationAdjustments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ProfitLossAttributableToShareholdersOfParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of shareholders' equity attributable to profit (loss) for the current period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ProfitLossAttributableToShareholdersOfParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RegulatoryCapitalAdjustmentAccruedDividend">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of accrued dividend that is excluded from regulatory capital.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RegulatoryCapitalAdjustmentAccruedDividend</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RegulatoryCapitalAdjustmentAccruedDividendOrdinaryProfitAssumptionPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Regulatory Capital Adjustment, Accrued Dividend, Ordinary Profit Assumption, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RegulatoryCapitalAdjustmentAccruedDividendOrdinaryProfitAssumptionPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>ln calculation of regulatory capital, the adjustment to remove the applicable amount of intangible assets and goodwill as provided in the regulations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RegulatoryCapitalOtherAdjustments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of other assets and liabilities excluded from regulatory capital.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RegulatoryCapitalOtherAdjustments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RiskManagementAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RiskManagementAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities for preference shares and preferred securities that are subordinate to other liabilities with respect to claims.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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</body>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Risk management - Schedule of regulatory capital phase-in coefficients (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RiskManagementAbstract', window );"><strong>Risk Management [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommonEquityTierOneCapitalRequiredForCapitalAdequacy1', window );">Level 1 ordinary eligible capital (EUR million)</a></td>
<td class="nump">&#8364; 84,739<span></span>
</td>
<td class="nump">&#8364; 79,800<span></span>
</td>
<td class="nump">&#8364; 76,741<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TierOneCapitalInExcessOfCommonEquityTierOneCapital', window );">Level 1 additional eligible capital (EUR million)</a></td>
<td class="nump">9,645<span></span>
</td>
<td class="nump">10,371<span></span>
</td>
<td class="nump">9,002<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IfrsTierTwoRiskBasedCapital', window );">Level 2 eligible capital (EUR million)</a></td>
<td class="nump">17,460<span></span>
</td>
<td class="nump">18,418<span></span>
</td>
<td class="nump">16,497<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IfrsRiskWeightedAssets', window );">Risk-weighted assets (EUR million)</a></td>
<td class="nump">&#8364; 629,430<span></span>
</td>
<td class="nump">&#8364; 624,503<span></span>
</td>
<td class="nump">&#8364; 623,731<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommonEquityTierOneCapitalRatio1', window );">Level 1 ordinary capital coefficient (CET 1)</a></td>
<td class="nump">13.46%<span></span>
</td>
<td class="nump">12.78%<span></span>
</td>
<td class="nump">12.30%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets', window );">Level 1 additional capital coefficient (AT1)</a></td>
<td class="nump">1.53%<span></span>
</td>
<td class="nump">1.66%<span></span>
</td>
<td class="nump">1.45%<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets', window );">Level 1 capital coefficient (TIER1)</a></td>
<td class="nump">15.00%<span></span>
</td>
<td class="nump">14.44%<span></span>
</td>
<td class="nump">13.75%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets', window );">Level 2 capital coefficient (TIER 2)</a></td>
<td class="nump">2.77%<span></span>
</td>
<td class="nump">2.95%<span></span>
</td>
<td class="nump">2.64%<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IFRSCapitalToRiskWeightedAssets', window );">Total capital coefficient</a></td>
<td class="nump">17.77%<span></span>
</td>
<td class="nump">17.39%<span></span>
</td>
<td class="nump">16.39%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CommonEquityTierOneCapitalRatio1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of Common Equity Tier One Risk-based Capital to total risk-weighted assets, as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CommonEquityTierOneCapitalRatio1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CommonEquityTierOneCapitalRequiredForCapitalAdequacy1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of Common Equity Tier 1 Risk-based Capital required to be categorized as adequately capitalized under regulatory framework for prompt corrective action. Also known as "ordinary eligible capital."</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CommonEquityTierOneCapitalRequiredForCapitalAdequacy1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IFRSCapitalToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Total Capital divided by risk weighted assets as defined in the international regulations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IFRSCapitalToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tier 1 capital divided by risk weighted assets as defined by international regulations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IFRSTierOneRiskBasedCapitalToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of Common Equity Tier Two Risk-based Capital to total risk-weighted assets, as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IfrsRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of risk-weighted assets as calculated in accordance with international regulatory capital standards.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IfrsRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IfrsTierTwoRiskBasedCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tier 2 risk-based capital as defined in the international regulations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IfrsTierTwoRiskBasedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RiskManagementAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RiskManagementAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TierOneCapitalInExcessOfCommonEquityTierOneCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount by which the company's Common Equity Tier One Capital exceeds the minimum required for capital adequacy purposes. Also known as "additional eligible capital."</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TierOneCapitalInExcessOfCommonEquityTierOneCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of Tier 1 capital beyond that included in Common Equity Tier 1 capital divided by risk-weighted assets, which are assets that are weighted for credit risk.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Risk management - Schedule of regulatory capital alternative standard (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RiskManagementAbstract', window );"><strong>Risk Management [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CommonEquityTierOneCapitalRequiredForCapitalAdequacy1', window );">Common Equity Tier I</a></td>
<td class="nump">&#8364; 84,739<span></span>
</td>
<td class="nump">&#8364; 79,800<span></span>
</td>
<td class="nump">&#8364; 76,741<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuedCapital', window );">Share capital</a></td>
<td class="nump">7,345<span></span>
</td>
<td class="nump">7,576<span></span>
</td>
<td class="nump">8,092<span></span>
</td>
<td class="nump">&#8364; 8,397<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TreasurySharesHeldAndFinanced', window );">(-) Treasure shares and own shares financed</a></td>
<td class="num">(1,892)<span></span>
</td>
<td class="num">(1,694)<span></span>
</td>
<td class="num">(2,847)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SharePremium', window );">Share Premium</a></td>
<td class="nump">36,792<span></span>
</td>
<td class="nump">40,079<span></span>
</td>
<td class="nump">44,373<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_CapitalReserveCommonEquityTierOneBasis', window );">Reserves</a></td>
<td class="nump">84,663<span></span>
</td>
<td class="nump">76,608<span></span>
</td>
<td class="nump">68,721<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherRetainedEarnings', window );">Other retained earnings</a></td>
<td class="num">(39,918)<span></span>
</td>
<td class="num">(38,617)<span></span>
</td>
<td class="num">(35,038)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NonControllingInterestsCommonEquityTierOneBasis', window );">Minority interests</a></td>
<td class="nump">9,037<span></span>
</td>
<td class="nump">8,479<span></span>
</td>
<td class="nump">6,899<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ProfitLossNetOfDividends', window );">Profit net of dividends</a></td>
<td class="nump">10,576<span></span>
</td>
<td class="nump">9,431<span></span>
</td>
<td class="nump">8,307<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EligibleCapitalDeductions', window );">Deductions</a></td>
<td class="num">(21,863)<span></span>
</td>
<td class="num">(22,061)<span></span>
</td>
<td class="num">(21,766)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IntangibleAssetsAndGoodwillNetOfResidualValue', window );">Goodwill and intangible assets</a></td>
<td class="num">(15,037)<span></span>
</td>
<td class="num">(15,957)<span></span>
</td>
<td class="num">(17,220)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EligibleCapitalDeductionsOther', window );">Others</a></td>
<td class="num">(6,826)<span></span>
</td>
<td class="num">(6,104)<span></span>
</td>
<td class="num">(4,546)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TierOneCapitalInExcessOfCommonEquityTierOneCapital', window );">Additional Tier I</a></td>
<td class="nump">9,645<span></span>
</td>
<td class="nump">10,371<span></span>
</td>
<td class="nump">9,002<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EligibleCapitalEligibleInstrumentsAdditionalTierOne', window );">Eligible instruments AT1</a></td>
<td class="nump">8,937<span></span>
</td>
<td class="nump">9,725<span></span>
</td>
<td class="nump">8,461<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExcessTierOneRiskBasedCapitalSubsidiaries', window );">AT1-excesses-subsidiaries</a></td>
<td class="nump">708<span></span>
</td>
<td class="nump">645<span></span>
</td>
<td class="nump">541<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IfrsTierTwoRiskBasedCapital', window );">Tier II</a></td>
<td class="nump">17,460<span></span>
</td>
<td class="nump">18,418<span></span>
</td>
<td class="nump">16,497<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital', window );">Eligible instruments T2</a></td>
<td class="nump">17,754<span></span>
</td>
<td class="nump">18,869<span></span>
</td>
<td class="nump">17,101<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision', window );">Excess IRB provision on PE</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">76<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ExcessTierTwoRiskBasedCapitalSubsidiaries', window );">T2-excesses -&#160;subsidiaries</a></td>
<td class="num">(294)<span></span>
</td>
<td class="num">(450)<span></span>
</td>
<td class="num">(680)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_EligibleCapital', window );">Total eligible capital</a></td>
<td class="nump">&#8364; 111,845<span></span>
</td>
<td class="nump">&#8364; 108,589<span></span>
</td>
<td class="nump">&#8364; 102,240<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IssuedCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The nominal value of capital issued.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IssuedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SharePremium">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount received or receivable from the issuance of the entity's shares in excess of nominal value.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SharePremium</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CapitalReserveCommonEquityTierOneBasis">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of capital reserves required for computation of Common Equity Tier I (CET I) equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CapitalReserveCommonEquityTierOneBasis</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_CommonEquityTierOneCapitalRequiredForCapitalAdequacy1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of Common Equity Tier 1 Risk-based Capital required to be categorized as adequately capitalized under regulatory framework for prompt corrective action. Also known as "ordinary eligible capital."</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_CommonEquityTierOneCapitalRequiredForCapitalAdequacy1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EligibleCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of total eligible capital as defined in the regulations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EligibleCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EligibleCapitalDeductions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of adjustments to equity required for computation of Common Equity Tier I (CET I) equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EligibleCapitalDeductions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EligibleCapitalDeductionsOther">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other adjustments to equity required for computation of Common Equity Tier I (CET I) equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EligibleCapitalDeductionsOther</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_EligibleCapitalEligibleInstrumentsAdditionalTierOne">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of eligible instruments, at Additional Tier One level, that is combined with Tier One excesses, residual value of dividends and other deductions to determine Additional Tier One capital.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_EligibleCapitalEligibleInstrumentsAdditionalTierOne</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ExcessTierOneRiskBasedCapitalSubsidiaries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount by which the company's Tier 1 Risk Based Capital exceeds the minimum required for capital adequacy purposes attributable to subsidiaries.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ExcessTierOneRiskBasedCapitalSubsidiaries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ExcessTierTwoRiskBasedCapitalSubsidiaries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount by which the company's Tier 2 Risk Based Capital exceeds the minimum required for capital adequacy purposes attributable to subsidiaries.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ExcessTierTwoRiskBasedCapitalSubsidiaries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IfrsTierTwoRiskBasedCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tier 2 risk-based capital as defined in the international regulations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IfrsTierTwoRiskBasedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of general fund and surplus loans loss provision as specified by institutional review board.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IntangibleAssetsAndGoodwillNetOfResidualValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of intangible assets and goodwill, net of residual value, held by the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IntangibleAssetsAndGoodwillNetOfResidualValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NonControllingInterestsCommonEquityTierOneBasis">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of non-controlling interests required for computation of Common Equity Tier 1 (CET I) equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NonControllingInterestsCommonEquityTierOneBasis</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherRetainedEarnings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the entity's cumulative other comprehensive undistributed earnings or deficit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherRetainedEarnings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ProfitLossNetOfDividends">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses, excluding the components of other comprehensive income and net of dividends.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ProfitLossNetOfDividends</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RiskManagementAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RiskManagementAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities for preference shares and participating preference securities that are subordinate to other liabilities with respect to claims and included within Tier 2 Capital.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TierOneCapitalInExcessOfCommonEquityTierOneCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount by which the company's Common Equity Tier One Capital exceeds the minimum required for capital adequacy purposes. Also known as "additional eligible capital."</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TierOneCapitalInExcessOfCommonEquityTierOneCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TreasurySharesHeldAndFinanced">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Treasury Shares, Held And Financed</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TreasurySharesHeldAndFinanced</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>443
<FILENAME>R361.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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</head>
<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Risk management - Schedule of leverage capital and ratios (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RiskManagementAbstract', window );"><strong>Risk Management [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IfrsTierOneLeverageCapital', window );">Level 1 Capital</a></td>
<td class="nump">&#8364; 94,385<span></span>
</td>
<td class="nump">&#8364; 90,170<span></span>
</td>
<td class="nump">&#8364; 85,742<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_TierOneLeverageCapitalExposureAverageAssets', window );">Exposure</a></td>
<td class="nump">&#8364; 1,924,349<span></span>
</td>
<td class="nump">&#8364; 1,885,572<span></span>
</td>
<td class="nump">&#8364; 1,826,922<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IFRSTierOneLeverageCapitalToAverageAssets', window );">Leverage Ratio</a></td>
<td class="nump">4.90%<span></span>
</td>
<td class="nump">4.78%<span></span>
</td>
<td class="nump">4.69%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IFRSTierOneLeverageCapitalToAverageAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tier 1 Leverage Capital divided by average assets as defined by international regulations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IFRSTierOneLeverageCapitalToAverageAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IfrsTierOneLeverageCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tier 1 Leverage Capital as defined in international regulations. Also called Core Capital.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IfrsTierOneLeverageCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RiskManagementAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RiskManagementAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_TierOneLeverageCapitalExposureAverageAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of average assets, as calculated in accordance with international regulatory capital standards.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_TierOneLeverageCapitalExposureAverageAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>444
<FILENAME>R362.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Additional disclosures - Parent company condensed balance sheets (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndBankBalancesAtCentralBanks', window );">Cash equivalents at central banks</a></td>
<td class="nump">&#8364; 135,330<span></span>
</td>
<td class="nump">&#8364; 170,914<span></span>
</td>
<td class="nump">&#8364; 199,932<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">252,318<span></span>
</td>
<td class="nump">230,253<span></span>
</td>
<td class="nump">176,921<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Premises and equipment, net</a></td>
<td class="nump">26,416<span></span>
</td>
<td class="nump">31,212<span></span>
</td>
<td class="nump">32,926<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherAssets', window );">Other assets</a></td>
<td class="nump">8,719<span></span>
</td>
<td class="nump">8,559<span></span>
</td>
<td class="nump">8,856<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">1,867,515<span></span>
</td>
<td class="nump">1,837,081<span></span>
</td>
<td class="nump">1,797,062<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherLiabilities', window );">Other liabilities</a></td>
<td class="nump">15,937<span></span>
</td>
<td class="nump">16,344<span></span>
</td>
<td class="nump">17,598<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">1,754,767<span></span>
</td>
<td class="nump">1,729,754<span></span>
</td>
<td class="nump">1,692,821<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAbstract', window );"><strong>EQUITY</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuedCapital', window );">Capital stock</a></td>
<td class="nump">7,345<span></span>
</td>
<td class="nump">7,576<span></span>
</td>
<td class="nump">8,092<span></span>
</td>
<td class="nump">&#8364; 8,397<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">TOTAL EQUITY</a></td>
<td class="nump">112,748<span></span>
</td>
<td class="nump">107,327<span></span>
</td>
<td class="nump">104,241<span></span>
</td>
<td class="nump">&#8364; 97,585<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAndLiabilities', window );">TOTAL LIABILITIES AND EQUITY</a></td>
<td class="nump">1,867,515<span></span>
</td>
<td class="nump">1,837,081<span></span>
</td>
<td class="nump">1,797,062<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Banco Santander, S.A. | Reportable Legal Entities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndBankBalancesAtCentralBanks', window );">Cash equivalents at central banks</a></td>
<td class="nump">144,292<span></span>
</td>
<td class="nump">157,665<span></span>
</td>
<td class="nump">172,524<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial assets held for trading</a></td>
<td class="nump">154,939<span></span>
</td>
<td class="nump">135,758<span></span>
</td>
<td class="nump">102,296<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InvestmentSecurities', window );">Investment securities</a></td>
<td class="nump">91,217<span></span>
</td>
<td class="nump">77,230<span></span>
</td>
<td class="nump">63,325<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndLeasesNet', window );">Net loans and leases</a></td>
<td class="nump">323,253<span></span>
</td>
<td class="nump">301,937<span></span>
</td>
<td class="nump">298,068<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates', window );">Investment in affiliated companies</a></td>
<td class="nump">98,317<span></span>
</td>
<td class="nump">100,045<span></span>
</td>
<td class="nump">99,326<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets', window );">Premises and equipment, net</a></td>
<td class="nump">5,825<span></span>
</td>
<td class="nump">6,219<span></span>
</td>
<td class="nump">6,368<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherAssets', window );">Other assets</a></td>
<td class="nump">18,941<span></span>
</td>
<td class="nump">15,986<span></span>
</td>
<td class="nump">15,435<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="nump">836,784<span></span>
</td>
<td class="nump">794,840<span></span>
</td>
<td class="nump">757,342<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DepositLiability', window );">Deposits</a></td>
<td class="nump">415,898<span></span>
</td>
<td class="nump">393,787<span></span>
</td>
<td class="nump">398,374<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ShorttermBorrowings', window );">Short-term debt</a></td>
<td class="nump">129,462<span></span>
</td>
<td class="nump">88,263<span></span>
</td>
<td class="nump">70,771<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LongtermBorrowings', window );">Long-term debt</a></td>
<td class="nump">114,756<span></span>
</td>
<td class="nump">137,549<span></span>
</td>
<td class="nump">129,258<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Borrowings', window );">Total debt</a></td>
<td class="nump">244,218<span></span>
</td>
<td class="nump">225,812<span></span>
</td>
<td class="nump">200,029<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherLiabilities', window );">Other liabilities</a></td>
<td class="nump">94,325<span></span>
</td>
<td class="nump">96,909<span></span>
</td>
<td class="nump">84,065<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="nump">754,441<span></span>
</td>
<td class="nump">716,508<span></span>
</td>
<td class="nump">682,468<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAbstract', window );"><strong>EQUITY</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IssuedCapital', window );">Capital stock</a></td>
<td class="nump">7,345<span></span>
</td>
<td class="nump">7,576<span></span>
</td>
<td class="nump">8,092<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_RetainedEarningsAndOtherReserves', window );">Retained earnings and other reserves</a></td>
<td class="nump">74,998<span></span>
</td>
<td class="nump">70,756<span></span>
</td>
<td class="nump">66,782<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Equity', window );">TOTAL EQUITY</a></td>
<td class="nump">82,343<span></span>
</td>
<td class="nump">78,332<span></span>
</td>
<td class="nump">74,874<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EquityAndLiabilities', window );">TOTAL LIABILITIES AND EQUITY</a></td>
<td class="nump">836,784<span></span>
</td>
<td class="nump">794,840<span></span>
</td>
<td class="nump">757,342<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Banco Santander, S.A. | Reportable Legal Entities | Bank subsidiaries</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndBankBalancesAtCentralBanks', window );">Cash equivalents at central banks</a></td>
<td class="nump">11,517<span></span>
</td>
<td class="nump">5,952<span></span>
</td>
<td class="nump">6,834<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InvestmentSecurities', window );">Investment securities</a></td>
<td class="nump">13,607<span></span>
</td>
<td class="nump">16,191<span></span>
</td>
<td class="nump">16,137<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates', window );">Investment in affiliated companies</a></td>
<td class="nump">71,796<span></span>
</td>
<td class="nump">74,624<span></span>
</td>
<td class="nump">74,016<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DepositLiability', window );">Deposits</a></td>
<td class="nump">8,773<span></span>
</td>
<td class="nump">6,645<span></span>
</td>
<td class="nump">7,832<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Borrowings', window );">Total debt</a></td>
<td class="nump">3,994<span></span>
</td>
<td class="nump">100<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Banco Santander, S.A. | Reportable Legal Entities | Non-bank subsidiaries</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InvestmentSecurities', window );">Investment securities</a></td>
<td class="nump">1,697<span></span>
</td>
<td class="nump">1,005<span></span>
</td>
<td class="nump">1,229<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_LoansAndLeasesNet', window );">Net loans and leases</a></td>
<td class="nump">23,340<span></span>
</td>
<td class="nump">21,127<span></span>
</td>
<td class="nump">22,435<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates', window );">Investment in affiliated companies</a></td>
<td class="nump">26,521<span></span>
</td>
<td class="nump">25,421<span></span>
</td>
<td class="nump">25,310<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_DepositLiability', window );">Deposits</a></td>
<td class="nump">26,412<span></span>
</td>
<td class="nump">19,176<span></span>
</td>
<td class="nump">14,610<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_Borrowings', window );">Total debt</a></td>
<td class="nump">&#8364; 1,363<span></span>
</td>
<td class="nump">&#8364; 2,428<span></span>
</td>
<td class="nump">&#8364; 1,816<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a present economic resource controlled by the entity as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Borrowings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of outstanding funds that the entity is obligated to repay.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Borrowings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashAndBankBalancesAtCentralBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash and bank balances held at central banks.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashAndBankBalancesAtCentralBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Equity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of residual interest in the assets of the entity after deducting all its liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Equity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EquityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EquityAndLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of the entity's equity and liabilities. [Refer: Equity; Liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EquityAndLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss classified as held for trading. A financial asset is classified as held for trading if: (a) it is acquired principally for the purpose of selling it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: At fair value [member]; Financial assets at fair value through profit or loss, mandatorily measured at fair value]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of investments in subsidiaries, joint ventures and associates in an entity's separate financial statements. [Refer: Total for all associates [member]; Total for all joint ventures [member]; Total for all subsidiaries [member]; Investments in subsidiaries reported in separate financial statements]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IssuedCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The nominal value of capital issued.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph B9<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B9_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IssuedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Liabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of a present obligation of the entity to transfer an economic resource as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2025-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 95<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_95_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LongtermBorrowings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The non-current portion of non-current borrowings. [Refer: Borrowings]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LongtermBorrowings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of property, plant and equipment including right-of-use assets whose underlying assets would be presented as property, plant and equipment if they were owned. [Refer: Property, plant and equipment; Right-of-use assets]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 73<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_73_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 16<br> -IssueDate 2025-01-01<br> -Paragraph 47<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=16&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_47_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PropertyPlantAndEquipmentIncludingRightofuseAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ShorttermBorrowings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of current borrowings. [Refer: Borrowings]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ShorttermBorrowings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_DepositLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liability for deposits held by the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_DepositLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InvestmentSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Investment Securities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InvestmentSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_LoansAndLeasesNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans And Leases, Net</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_LoansAndLeasesNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_RetainedEarningsAndOtherReserves">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the entity's cumulative undistributed earnings or deficit and other reserves.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_RetainedEarningsAndOtherReserves</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidationItemsAxis=srt_ReportableLegalEntitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidationItemsAxis=srt_ReportableLegalEntitiesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BankSubsidiariesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_NonBankSubsidiariesMember</td>
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<DOCUMENT>
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<FILENAME>R363.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Additional disclosures - Parent company condensed statements of income (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="1">8 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Aug. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CondensedIncomeStatementsCaptionsLineItems', window );"><strong>Condensed Income Statements, Captions [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromInterest', window );">Interest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 101,710.0<span></span>
</td>
<td class="nump">&#8364; 109,012.0<span></span>
</td>
<td class="nump">&#8364; 101,742.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromDividends', window );">Dividend income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">715.0<span></span>
</td>
<td class="nump">710.0<span></span>
</td>
<td class="nump">568.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestExpense', window );">Interest expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(59,362.0)<span></span>
</td>
<td class="num">(65,225.0)<span></span>
</td>
<td class="num">(61,092.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncome1', window );">Non-interest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,583.0<span></span>
</td>
<td class="nump">846.0<span></span>
</td>
<td class="nump">1,137.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingExpense', window );">Non-interest expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2,429.0)<span></span>
</td>
<td class="num">(2,595.0)<span></span>
</td>
<td class="num">(3,066.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 6,193.0<span></span>
</td>
<td class="nump">18,681.0<span></span>
</td>
<td class="nump">17,347.0<span></span>
</td>
<td class="nump">15,005.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax expense or income from continuing operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">&#8364; (635.0)<span></span>
</td>
<td class="num">(4,723.0)<span></span>
</td>
<td class="num">(4,844.0)<span></span>
</td>
<td class="num">(3,880.0)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Income/ (charges) for the period from continuing operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,958.0<span></span>
</td>
<td class="nump">12,503.0<span></span>
</td>
<td class="nump">11,125.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,542.0<span></span>
</td>
<td class="nump">1,241.0<span></span>
</td>
<td class="nump">1,058.0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">15,500.0<span></span>
</td>
<td class="nump">13,744.0<span></span>
</td>
<td class="nump">12,183.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Banco Santander, S.A. | Reportable Legal Entities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CondensedIncomeStatementsCaptionsLineItems', window );"><strong>Condensed Income Statements, Captions [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromInterest', window );">Interest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">31,363.0<span></span>
</td>
<td class="nump">34,752.0<span></span>
</td>
<td class="nump">31,854.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromDividends', window );">Dividend income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6,070.0<span></span>
</td>
<td class="nump">7,113.0<span></span>
</td>
<td class="nump">8,805.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InterestExpense', window );">Interest expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(18,170.0)<span></span>
</td>
<td class="num">(20,112.0)<span></span>
</td>
<td class="num">(16,204.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_InterestIncomeExpenseNetPlusDividendsFromAffiliates', window );">Interest income / (charges)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,193.0<span></span>
</td>
<td class="nump">14,640.0<span></span>
</td>
<td class="nump">15,650.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss', window );">Impairment losses charged to income for the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,162.0)<span></span>
</td>
<td class="num">(1,334.0)<span></span>
</td>
<td class="num">(1,372.0)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_NetInterestAndDividendIncomeExpenseAfterProvisionForCreditLosses', window );">Interest income / (charges) after provision for credit losses</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,031.0<span></span>
</td>
<td class="nump">13,306.0<span></span>
</td>
<td class="nump">14,278.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingIncome1', window );">Non-interest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6,981.0<span></span>
</td>
<td class="nump">5,502.0<span></span>
</td>
<td class="nump">4,777.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherOperatingExpense', window );">Non-interest expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(7,848.0)<span></span>
</td>
<td class="num">(8,552.0)<span></span>
</td>
<td class="num">(9,662.0)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating profit/(loss) before tax</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">11,164.0<span></span>
</td>
<td class="nump">10,256.0<span></span>
</td>
<td class="nump">9,393.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax expense or income from continuing operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,073.0)<span></span>
</td>
<td class="num">(1,091.0)<span></span>
</td>
<td class="num">(533.0)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">Income/ (charges) for the period from continuing operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">10,092.0<span></span>
</td>
<td class="nump">9,167.0<span></span>
</td>
<td class="nump">8,860.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Net profit from discontinued operations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,021.0<span></span>
</td>
<td class="nump">935.0<span></span>
</td>
<td class="nump">378.0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit/(loss) for the year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">11,113.0<span></span>
</td>
<td class="nump">10,101.0<span></span>
</td>
<td class="nump">9,239.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Banco Santander, S.A. | Reportable Legal Entities | Earning assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CondensedIncomeStatementsCaptionsLineItems', window );"><strong>Condensed Income Statements, Captions [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromInterest', window );">Interest income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">25,293.0<span></span>
</td>
<td class="nump">27,639.0<span></span>
</td>
<td class="nump">23,049.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Banco Santander, S.A. | Reportable Legal Entities | Bank subsidiaries</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CondensedIncomeStatementsCaptionsLineItems', window );"><strong>Condensed Income Statements, Captions [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromDividends', window );">Dividend income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,029.0<span></span>
</td>
<td class="nump">6,248.0<span></span>
</td>
<td class="nump">7,790.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Banco Santander, S.A. | Reportable Legal Entities | Non-bank subsidiaries</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CondensedIncomeStatementsCaptionsLineItems', window );"><strong>Condensed Income Statements, Captions [Line Items]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RevenueFromDividends', window );">Dividend income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,041.0<span></span>
</td>
<td class="nump">&#8364; 865.0<span></span>
</td>
<td class="nump">&#8364; 1,015.0<span></span>
</td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top">Includes EUR -486 million at 31 December 2025 (EUR -1,225 and EUR -1,016 at 31 December 2024 and 2023, respectively) derived from the net loss generated in Argentina as a result of the application of IAS 29 <span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:115%">Financial reporting in hyperinflationary economies</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:115%"> </span><span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> </span></td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 133<br> -Subparagraph a<br> -Clause iv<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_133_a_iv&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 99<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxExpenseContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph h<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_h&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -Subparagraph b<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35_b_viii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 79<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_79&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_81_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph g<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_g&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 192<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_192&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 192<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_192&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 194<br> -Subparagraph c<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_194_c_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxExpenseContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of expense arising from interest.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses from continuing and discontinued operations, excluding the components of other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 113<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph b<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_b_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 103<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 102<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing operations. [Refer: Continuing operations, unless line item indicates otherwise [member]; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause vi<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_vi&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2025-01-01<br> -Paragraph 33<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_33_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause vii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_vii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 98<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_98_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82<br> -Subparagraph ea<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82_ea&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RevenueFromDividends">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RevenueFromDividends</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RevenueFromInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income arising from interest.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph e<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_e&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RevenueFromInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_InterestIncomeExpenseNetPlusDividendsFromAffiliates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net amount of interest income, interest expense and dividends received from affiliates</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_InterestIncomeExpenseNetPlusDividendsFromAffiliates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_NetInterestAndDividendIncomeExpenseAfterProvisionForCreditLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of net interest income (expense) plus dividends received from affiliates after provision for credit losses during the period</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_NetInterestAndDividendIncomeExpenseAfterProvisionForCreditLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherOperatingExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of operating expense that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherOperatingExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherOperatingIncome1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Operating Income1</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherOperatingIncome1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CondensedIncomeStatementsCaptionsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 12<br> -Subsection 04<br> -Paragraph a<br> -Publisher SEC<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CondensedIncomeStatementsCaptionsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidationItemsAxis=srt_ReportableLegalEntitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidationItemsAxis=srt_ReportableLegalEntitiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialAssetsAxis=san_EarningAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialAssetsAxis=san_EarningAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BankSubsidiariesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_BankSubsidiariesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_NonBankSubsidiariesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SignificantInvestmentsInSubsidiariesAxis=san_NonBankSubsidiariesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</TEXT>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>446
<FILENAME>R364.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Additional disclosures - Parent company condensed statements of comprehensive income (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CondensedStatementOfIncomeCaptionsLineItems', window );"><strong>Condensed Statement of Income Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit or loss for the year</a></td>
<td class="nump">&#8364; 15,500<span></span>
</td>
<td class="nump">&#8364; 13,744<span></span>
</td>
<td class="nump">&#8364; 12,183<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncome', window );">OTHER RECOGNISED INCOME AND EXPENSE</a></td>
<td class="num">(1,858)<span></span>
</td>
<td class="num">(2,339)<span></span>
</td>
<td class="nump">614<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax', window );">Items that may be reclassified to profit or loss</a></td>
<td class="num">(1,958)<span></span>
</td>
<td class="num">(2,558)<span></span>
</td>
<td class="nump">1,578<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated', window );">Hedging instruments (items not designated)</a></td>
<td class="num">(14)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnRemeasuringHedgingInstrumentsNotDesignatedBeforeTax', window );">Revaluation gains (losses)</a></td>
<td class="num">(1)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax', window );">Amounts transferred to income statement</a></td>
<td class="num">(13)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax', window );">Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Debt instruments at fair value with changes in other comprehensive income</a></td>
<td class="nump">613<span></span>
</td>
<td class="num">(493)<span></span>
</td>
<td class="nump">858<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax', window );">Revaluation gains (losses)</a></td>
<td class="nump">715<span></span>
</td>
<td class="num">(447)<span></span>
</td>
<td class="nump">852<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax', window );">Amounts transferred to income statement</a></td>
<td class="num">(102)<span></span>
</td>
<td class="num">(46)<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax', window );">Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges', window );">Cash flow hedges (effective portion)</a></td>
<td class="nump">867<span></span>
</td>
<td class="nump">558<span></span>
</td>
<td class="nump">2,592<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax', window );">Revaluation gains (losses)</a></td>
<td class="nump">158<span></span>
</td>
<td class="num">(698)<span></span>
</td>
<td class="num">(30)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax', window );">Amounts transferred to income statement</a></td>
<td class="nump">709<span></span>
</td>
<td class="nump">1,256<span></span>
</td>
<td class="nump">2,622<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax', window );">Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations', window );">Hedges of net investments in foreign operations (effective portion)</a></td>
<td class="nump">195<span></span>
</td>
<td class="nump">420<span></span>
</td>
<td class="num">(1,888)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation', window );">Exchange differences</a></td>
<td class="num">(3,399)<span></span>
</td>
<td class="num">(3,047)<span></span>
</td>
<td class="nump">1,017<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax', window );">Revaluation gains (losses)</a></td>
<td class="num">(3,399)<span></span>
</td>
<td class="num">(3,047)<span></span>
</td>
<td class="nump">1,009<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax', window );">Amounts transferred to income statement</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">8<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax', window );">Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale', window );">Non-current assets held for sale</a></td>
<td class="nump">274<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss', window );">Income tax</a></td>
<td class="num">(514)<span></span>
</td>
<td class="nump">112<span></span>
</td>
<td class="num">(1,020)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax', window );">Items that will not be reclassified to profit or loss</a></td>
<td class="nump">100<span></span>
</td>
<td class="nump">219<span></span>
</td>
<td class="num">(964)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans', window );">Actuarial gains and losses on defined benefit pension plans</a></td>
<td class="num">(73)<span></span>
</td>
<td class="num">(584)<span></span>
</td>
<td class="num">(1,038)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax', window );">Other recognised income and expense of investments in subsidiaries, joint ventures and associates</a></td>
<td class="nump">1<span></span>
</td>
<td class="num">(3)<span></span>
</td>
<td class="num">(5)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss', window );">Income tax relating to items that will not be reclassified</a></td>
<td class="nump">77<span></span>
</td>
<td class="nump">82<span></span>
</td>
<td class="nump">361<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncome', window );">Total recognised income and expenses for the year</a></td>
<td class="nump">13,642<span></span>
</td>
<td class="nump">11,405<span></span>
</td>
<td class="nump">12,797<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Banco Santander, S.A. | Reportable Legal Entities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CondensedStatementOfIncomeCaptionsLineItems', window );"><strong>Condensed Statement of Income Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit or loss for the year</a></td>
<td class="nump">11,113<span></span>
</td>
<td class="nump">10,101<span></span>
</td>
<td class="nump">9,239<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncome', window );">OTHER RECOGNISED INCOME AND EXPENSE</a></td>
<td class="num">(79)<span></span>
</td>
<td class="nump">730<span></span>
</td>
<td class="num">(57)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax', window );">Items that may be reclassified to profit or loss</a></td>
<td class="num">(101)<span></span>
</td>
<td class="nump">305<span></span>
</td>
<td class="nump">276<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated', window );">Hedging instruments (items not designated)</a></td>
<td class="nump">283<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_GainsLossesOnRemeasuringHedgingInstrumentsNotDesignatedBeforeTax', window );">Revaluation gains (losses)</a></td>
<td class="nump">283<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax', window );">Amounts transferred to income statement</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax', window );">Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome', window );">Debt instruments at fair value with changes in other comprehensive income</a></td>
<td class="num">(27)<span></span>
</td>
<td class="nump">28<span></span>
</td>
<td class="nump">104<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax', window );">Revaluation gains (losses)</a></td>
<td class="nump">36<span></span>
</td>
<td class="num">(55)<span></span>
</td>
<td class="nump">65<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax', window );">Amounts transferred to income statement</a></td>
<td class="num">(63)<span></span>
</td>
<td class="nump">84<span></span>
</td>
<td class="nump">39<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax', window );">Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges', window );">Cash flow hedges (effective portion)</a></td>
<td class="num">(100)<span></span>
</td>
<td class="nump">409<span></span>
</td>
<td class="nump">284<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax', window );">Revaluation gains (losses)</a></td>
<td class="num">(79)<span></span>
</td>
<td class="nump">140<span></span>
</td>
<td class="num">(70)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax', window );">Amounts transferred to income statement</a></td>
<td class="num">(21)<span></span>
</td>
<td class="nump">269<span></span>
</td>
<td class="nump">354<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_ReclassificationToInitialCarryingAmountOfHedgedItems', window );">Amounts transferred to initial carrying amount of hedged items</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax', window );">Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations', window );">Hedges of net investments in foreign operations (effective portion)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation', window );">Exchange differences</a></td>
<td class="num">(299)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax', window );">Revaluation gains (losses)</a></td>
<td class="num">(299)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax', window );">Amounts transferred to income statement</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax', window );">Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale', window );">Non-current assets held for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss', window );">Income tax</a></td>
<td class="nump">42<span></span>
</td>
<td class="num">(132)<span></span>
</td>
<td class="num">(112)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax', window );">Items that will not be reclassified to profit or loss</a></td>
<td class="nump">21<span></span>
</td>
<td class="nump">425<span></span>
</td>
<td class="num">(333)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans', window );">Actuarial gains and losses on defined benefit pension plans</a></td>
<td class="nump">30<span></span>
</td>
<td class="num">(16)<span></span>
</td>
<td class="num">(14)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax', window );">Other recognised income and expense of investments in subsidiaries, joint ventures and associates</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments', window );">Changes in the fair value of equity instruments measured at fair value through other comprehensive income</a></td>
<td class="nump">100<span></span>
</td>
<td class="nump">262<span></span>
</td>
<td class="num">(250)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments', window );">Gains or losses resulting from the accounting for hedges of equity instruments measured at fair value through other comprehensive income, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem', window );">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedged item)</a></td>
<td class="num">(76)<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="num">(31)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument', window );">Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedging instrument)</a></td>
<td class="nump">76<span></span>
</td>
<td class="num">(20)<span></span>
</td>
<td class="nump">31<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability', window );">Changes in the fair value of financial liabilities at fair value through profit or loss attributable to changes in credit risk</a></td>
<td class="num">(136)<span></span>
</td>
<td class="nump">247<span></span>
</td>
<td class="num">(107)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss', window );">Income tax relating to items that will not be reclassified</a></td>
<td class="nump">27<span></span>
</td>
<td class="num">(68)<span></span>
</td>
<td class="nump">38<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncome', window );">Total recognised income and expenses for the year</a></td>
<td class="nump">&#8364; 11,034<span></span>
</td>
<td class="nump">&#8364; 10,831<span></span>
</td>
<td class="nump">&#8364; 9,182<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of change in equity resulting from transactions and other events, other than those changes resulting from transactions with owners in their capacity as owners.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause ix<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_ix&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph c<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_c&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) recognised in other comprehensive income on cash flow hedges, before tax, before reclassification adjustments. [Refer: Cash flow hedges [member]]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) recognised in other comprehensive income on exchange differences on the translation of financial statements of foreign operations, before tax, before reclassification adjustments. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) recognised in other comprehensive income on financial assets measured at fair value through other comprehensive income applying paragraph 4.1.2A of IFRS 9, before tax, before reclassification adjustments. [Refer: Financial assets measured at fair value through other comprehensive income; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -Subparagraph a<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20_a_viii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -Subparagraph a<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_56_a_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -Subparagraph a<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_56_a_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to amounts recognised in other comprehensive income that will be reclassified to profit or loss. [Refer: Income tax relating to components of other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to amounts recognised in other comprehensive income that will not be reclassified to profit or loss. [Refer: Income tax relating to components of other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B12_b_viii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, after reclassification adjustments, related to cash flow hedges. [Refer: Cash flow hedges [member]; Other comprehensive income, before tax]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, after reclassification adjustments, related to exchange differences on translation of financial statements of foreign operations. [Refer: Other comprehensive income, before tax]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, after reclassification adjustments, related to financial assets measured at fair value through other comprehensive income applying paragraph 4.1.2A of IFRS 9. [Refer: Financial assets measured at fair value through other comprehensive income; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -Subparagraph a<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20_a_viii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -Subparagraph a<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_56_a_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -Subparagraph a<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_56_a_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, related to gains (losses) on remeasurements of defined benefit plans, which comprise actuarial gains and losses; the return on plan assets, excluding amounts included in net interest on the net defined benefit liability (asset); and any change in the effect of the asset ceiling, excluding amounts included in net interest on the net defined benefit liability (asset). [Refer: Other comprehensive income; Defined benefit plans [domain]; Plan assets [member]; Net defined benefit liability (asset)] [Contrast: Decrease (increase) in net defined benefit liability (asset) resulting from gain (loss) on remeasurement in other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 135<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_135_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, after reclassification adjustments, related to hedges of net investments in foreign operations. [Refer: Other comprehensive income, before tax]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 39<br> -IssueDate 2025-01-01<br> -Paragraph 102<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=39&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_102_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 9<br> -IssueDate 2025-01-01<br> -Paragraph 6.5.13<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=9&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_6.5.13_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, net of tax, related to changes in the fair value of financial liabilities attributable to the changes in the credit risk of those liabilities. [Refer: Other comprehensive income; Credit risk [member]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, net of tax, related to gains (losses) from changes in the fair value of investments in equity instruments that the entity has designated at fair value through other comprehensive income applying paragraph 5.7.5 of IFRS 9. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, net of tax, related to gains (losses) on hedging instruments that hedge investments in equity instruments that the entity has designated at fair value through other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 91<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_91_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeNetOfTaxGainsLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income that will be reclassified to profit or loss, net of tax. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph IG6<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_IG6&amp;doctype=Implementation%20Guidance<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82A&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income that will not be reclassified to profit or loss, net of tax. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph IG6<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_IG6&amp;doctype=Implementation%20Guidance<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82A&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses from continuing and discontinued operations, excluding the components of other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 113<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of reclassification adjustments related to cash flow hedges, before tax. Reclassification adjustments are amounts reclassified to profit (loss) in the current period that were recognised in other comprehensive income in the current or previous periods. [Refer: Cash flow hedges [member]; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 92<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_92&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of reclassification adjustments related to exchange differences when the financial statements of foreign operations are translated, before tax. Reclassification adjustments are amounts reclassified to profit (loss) in the current period that were recognised in other comprehensive income in the current or previous periods. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 21<br> -IssueDate 2025-01-01<br> -Paragraph 48<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_48&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 92<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_92&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of reclassification adjustments related to financial assets measured at fair value through other comprehensive income, before tax. Reclassification adjustments are amounts reclassified to profit (loss) in the current period that were recognised in other comprehensive income in the current or previous periods. [Refer: Financial assets measured at fair value through other comprehensive income; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -Subparagraph a<br> -Clause viii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20_a_viii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -Subparagraph a<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_56_a_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 56<br> -Subparagraph a<br> -Clause v<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_56_a_v&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 92<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_92&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Share of the other comprehensive income of associates and joint ventures accounted for using the equity method that will not be reclassified to profit or loss, net of tax.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 82A<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_82A&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossNetOfTax</td>
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<tr>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_GainsLossesOnRemeasuringHedgingInstrumentsNotDesignatedBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gains (Losses) On Remeasuring Hedging Instruments Not Designated, Before Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_GainsLossesOnRemeasuringHedgingInstrumentsNotDesignatedBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Comprehensive Income, Before Tax, Gains (Losses) On Hedged Instrument</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Comprehensive Income, Before Tax, Gains (Losses) On Hedged Item</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Comprehensive Income, Before Tax, Hedging Instruments Not Designated</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Comprehensive Income, Before Tax, Non-Current Assets Classified As Held-For-Sale</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherComprehensiveIncomeBeforeTaxNonCurrentAssetsClassifiedAsHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Reclassification Adjustments On Cash Flow Hedges, Before Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherReclassificationAdjustmentsOnCashFlowHedgesBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Reclassification Adjustments On Exchange Differences On Translation, Before Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income, Before Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Reclassification Adjustments On Hedging Instruments Not Designated, Before Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_OtherReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Reclassification Adjustments On Hedging Instruments Not Designated, Before Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ReclassificationAdjustmentsOnHedgingInstrumentsNotDesignatedBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_ReclassificationToInitialCarryingAmountOfHedgedItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Reclassification To Initial Carrying Amount Of Hedged Items</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_ReclassificationToInitialCarryingAmountOfHedgedItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CondensedStatementOfIncomeCaptionsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 12<br> -Subsection 04<br> -Paragraph a<br> -Publisher SEC<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CondensedStatementOfIncomeCaptionsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidationItemsAxis=srt_ReportableLegalEntitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidationItemsAxis=srt_ReportableLegalEntitiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Additional disclosures - Parent company condensed cash flow statements (Details) - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract', window );"><strong>1. Cash flows from operating activities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit or loss for the year</a></td>
<td class="nump">&#8364; 15,500<span></span>
</td>
<td class="nump">&#8364; 13,744<span></span>
</td>
<td class="nump">&#8364; 12,183<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital', window );">Adjustments to profit</a></td>
<td class="nump">31,347<span></span>
</td>
<td class="nump">28,361<span></span>
</td>
<td class="nump">26,948<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdjustmentsForDecreaseIncreaseInOperatingAssets', window );">Net increase/decrease in operating assets</a></td>
<td class="num">(119,257)<span></span>
</td>
<td class="num">(117,996)<span></span>
</td>
<td class="num">(74,982)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdjustmentsForIncreaseDecreaseInOperatingLiabilities', window );">Net increase/decrease in operating liabilities</a></td>
<td class="nump">62,529<span></span>
</td>
<td class="nump">57,616<span></span>
</td>
<td class="nump">46,080<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities', window );">Reimbursements/payments of income tax</a></td>
<td class="num">(4,954)<span></span>
</td>
<td class="num">(5,880)<span></span>
</td>
<td class="num">(5,214)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInOperatingActivities', window );">CASH FLOWS FROM OPERATING ACTIVITIES</a></td>
<td class="num">(14,835)<span></span>
</td>
<td class="num">(24,155)<span></span>
</td>
<td class="nump">5,015<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract', window );"><strong>2. Cash flows from investing activities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OutflowsOfCashFromInvestingActivities', window );">Investments (-)</a></td>
<td class="num">(7,925)<span></span>
</td>
<td class="num">(11,355)<span></span>
</td>
<td class="num">(15,056)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InflowsOfCashFromInvestingActivities', window );">Divestments (+)</a></td>
<td class="nump">8,459<span></span>
</td>
<td class="nump">7,643<span></span>
</td>
<td class="nump">9,690<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInInvestingActivities', window );">CASH FLOWS FROM INVESTING ACTIVITIES</a></td>
<td class="nump">534<span></span>
</td>
<td class="num">(3,712)<span></span>
</td>
<td class="num">(5,366)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract', window );"><strong>3. Cash flows from financing activities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProceedsFromIssuingShares', window );">Issuance of own equity instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProceedsFromSaleOrIssueOfTreasuryShares', window );">Disposal of own equity instruments</a></td>
<td class="nump">815<span></span>
</td>
<td class="nump">765<span></span>
</td>
<td class="nump">825<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PaymentsToAcquireEntityShares', window );">Acquisition of own equity instruments</a></td>
<td class="num">(4,081)<span></span>
</td>
<td class="num">(4,038)<span></span>
</td>
<td class="num">(3,109)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsPaidClassifiedAsFinancingActivities', window );">Dividends paid</a></td>
<td class="num">(3,341)<span></span>
</td>
<td class="num">(3,017)<span></span>
</td>
<td class="num">(2,261)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInFinancingActivities', window );">CASH FLOWS FROM FINANCING ACTIVITIES</a></td>
<td class="num">(14,203)<span></span>
</td>
<td class="num">(5,510)<span></span>
</td>
<td class="num">(2,058)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents', window );">D) Effect of foreign exchange rate differences</a></td>
<td class="num">(8,908)<span></span>
</td>
<td class="nump">5,243<span></span>
</td>
<td class="num">(322)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents', window );">NET INCREASE/(DECREASE) IN CASH AND CASH EQUIVALENTS</a></td>
<td class="num">(37,412)<span></span>
</td>
<td class="num">(28,134)<span></span>
</td>
<td class="num">(2,731)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">CASH AND CASH EQUIVALENTS AT BEGINNING OF THE YEAR</a></td>
<td class="nump">192,208<span></span>
</td>
<td class="nump">220,342<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">CASH AND CASH EQUIVALENTS AT END OF THE YEAR</a></td>
<td class="nump">152,281<span></span>
</td>
<td class="nump">192,208<span></span>
</td>
<td class="nump">220,342<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Banco Santander, S.A. | Reportable Legal Entities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract', window );"><strong>1. Cash flows from operating activities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit or loss for the year</a></td>
<td class="nump">11,113<span></span>
</td>
<td class="nump">10,101<span></span>
</td>
<td class="nump">9,239<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital', window );">Adjustments to profit</a></td>
<td class="num">(1,119)<span></span>
</td>
<td class="num">(4,439)<span></span>
</td>
<td class="num">(3,746)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdjustmentsForDecreaseIncreaseInOperatingAssets', window );">Net increase/decrease in operating assets</a></td>
<td class="num">(60,570)<span></span>
</td>
<td class="num">(63,686)<span></span>
</td>
<td class="num">(6,765)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_AdjustmentsForIncreaseDecreaseInOperatingLiabilities', window );">Net increase/decrease in operating liabilities</a></td>
<td class="nump">41,113<span></span>
</td>
<td class="nump">27,480<span></span>
</td>
<td class="num">(6,880)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities', window );">Reimbursements/payments of income tax</a></td>
<td class="num">(862)<span></span>
</td>
<td class="num">(591)<span></span>
</td>
<td class="num">(360)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInOperatingActivities', window );">CASH FLOWS FROM OPERATING ACTIVITIES</a></td>
<td class="num">(10,325)<span></span>
</td>
<td class="num">(31,135)<span></span>
</td>
<td class="num">(8,512)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract', window );"><strong>2. Cash flows from investing activities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OutflowsOfCashFromInvestingActivities', window );">Investments (-)</a></td>
<td class="num">(4,231)<span></span>
</td>
<td class="num">(2,915)<span></span>
</td>
<td class="num">(5,458)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_InflowsOfCashFromInvestingActivities', window );">Divestments (+)</a></td>
<td class="nump">9,210<span></span>
</td>
<td class="nump">9,544<span></span>
</td>
<td class="nump">10,880<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInInvestingActivities', window );">CASH FLOWS FROM INVESTING ACTIVITIES</a></td>
<td class="nump">4,979<span></span>
</td>
<td class="nump">6,629<span></span>
</td>
<td class="nump">5,422<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract', window );"><strong>3. Cash flows from financing activities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProceedsFromIssuingShares', window );">Issuance of own equity instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProceedsFromSaleOrIssueOfTreasuryShares', window );">Disposal of own equity instruments</a></td>
<td class="nump">578<span></span>
</td>
<td class="nump">485<span></span>
</td>
<td class="nump">649<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PaymentsToAcquireEntityShares', window );">Acquisition of own equity instruments</a></td>
<td class="num">(3,865)<span></span>
</td>
<td class="num">(3,740)<span></span>
</td>
<td class="num">(2,974)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ProceedsFromIssueOfBondsNotesAndDebentures', window );">Issuance of debt securities</a></td>
<td class="nump">1,852<span></span>
</td>
<td class="nump">5,625<span></span>
</td>
<td class="nump">5,636<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_RepaymentsOfBondsNotesAndDebentures', window );">Redemption of debt securities</a></td>
<td class="num">(8,310)<span></span>
</td>
<td class="num">(3,615)<span></span>
</td>
<td class="num">(1,813)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DividendsPaidClassifiedAsFinancingActivities', window );">Dividends paid</a></td>
<td class="num">(3,341)<span></span>
</td>
<td class="num">(3,017)<span></span>
</td>
<td class="num">(2,261)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_IssuanceRedemptionOfTreasuryShares', window );">Issuance/Redemption of equity instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(751)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities', window );">Other collections/payments related to financing activities</a></td>
<td class="num">(141)<span></span>
</td>
<td class="num">(300)<span></span>
</td>
<td class="num">(166)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInFinancingActivities', window );">CASH FLOWS FROM FINANCING ACTIVITIES</a></td>
<td class="num">(13,227)<span></span>
</td>
<td class="num">(5,313)<span></span>
</td>
<td class="num">(929)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents', window );">D) Effect of foreign exchange rate differences</a></td>
<td class="num">(4,099)<span></span>
</td>
<td class="nump">2,256<span></span>
</td>
<td class="num">(1,044)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents', window );">NET INCREASE/(DECREASE) IN CASH AND CASH EQUIVALENTS</a></td>
<td class="num">(22,671)<span></span>
</td>
<td class="num">(27,563)<span></span>
</td>
<td class="num">(5,063)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">CASH AND CASH EQUIVALENTS AT BEGINNING OF THE YEAR</a></td>
<td class="nump">97,457<span></span>
</td>
<td class="nump">125,020<span></span>
</td>
<td class="nump">130,083<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">CASH AND CASH EQUIVALENTS AT END OF THE YEAR</a></td>
<td class="nump">&#8364; 74,786<span></span>
</td>
<td class="nump">&#8364; 97,457<span></span>
</td>
<td class="nump">&#8364; 125,020<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments, other than changes in working capital, to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 20<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash on hand and demand deposits, along with short-term, highly liquid investments that are readily convertible to known amounts of cash and that are subject to an insignificant risk of changes in value. [Refer: Cash; Cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B13<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B13_a&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 169<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_169&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 169<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_169&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 54<br> -Subparagraph i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_54_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromUsedInFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash flows from (used in) financing activities, which are activities that result in changes in the size and composition of the contributed equity and borrowings of the entity, from continuing and discontinued operations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 50<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_50_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromUsedInFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromUsedInFinancingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromUsedInInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash flows from (used in) investing activities, which are the acquisition and disposal of long-term assets and other investments not included in cash equivalents, from continuing and discontinued operations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 50<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_50_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromUsedInInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromUsedInInvestingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromUsedInOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 10<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 50<br> -Subparagraph d<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_50_d&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromUsedInOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromUsedInOperatingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DividendsPaidClassifiedAsFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for dividends paid by the entity, classified as financing activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 31<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_31&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DividendsPaidClassifiedAsFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The effect of exchange rate changes on cash and cash equivalents held or due in a foreign currency. [Refer: Cash and cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 25<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash flows from income taxes paid or refunded, classified as operating activities. [Refer: Income taxes paid (refund)]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 35<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_35&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 14<br> -Subparagraph f<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_14_f&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in cash and cash equivalents after the effect of exchange rate changes on cash and cash equivalents held in foreign currencies. [Refer: Cash and cash equivalents; Effect of exchange rate changes on cash and cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 45<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 169<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_169&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 169<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_169&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseInCashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InflowsOfCashFromInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from investing activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 16<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_16&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InflowsOfCashFromInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Inflows (outflows) of cash, classified as financing activities, that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 21<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_21&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OutflowsOfCashFromInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for investing activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 16<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_16&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OutflowsOfCashFromInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromIssueOfBondsNotesAndDebentures">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from the issuing of bonds, notes and debentures.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 17<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_17&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromIssueOfBondsNotesAndDebentures</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromIssuingShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from issuing shares.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 17<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_17_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromIssuingShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromSaleOrIssueOfTreasuryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from the sale or issuing of treasury shares. [Refer: Sale or issue of treasury shares; Treasury shares]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 17<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_17&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromSaleOrIssueOfTreasuryShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses from continuing and discontinued operations, excluding the components of other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2025-01-01<br> -Paragraph 23<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2025-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2025-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 17<br> -IssueDate 2025-01-01<br> -Paragraph 113<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective 2027-01-01<br> -Name IFRS<br> -Number 19<br> -IssueDate 2025-01-01<br> -Paragraph 28<br> -Subparagraph a<br> -Clause ii<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=19&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_28_a_ii&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2025-03-27<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause i<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RepaymentsOfBondsNotesAndDebentures">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for repayments of bonds, notes and debentures.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 17<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_17&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RepaymentsOfBondsNotesAndDebentures</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AdjustmentsForDecreaseIncreaseInOperatingAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments for decrease (increase) in operating assets to reconcile profit (loss) to net cash flow from (used in) operating activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AdjustmentsForDecreaseIncreaseInOperatingAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_AdjustmentsForIncreaseDecreaseInOperatingLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adjustments for increase (decrease) in operating liabilities to reconcile profit (loss) to net cash flow from (used in) operating activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_AdjustmentsForIncreaseDecreaseInOperatingLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_IssuanceRedemptionOfTreasuryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Issuance (Redemption) Of Treasury Shares</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_IssuanceRedemptionOfTreasuryShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PaymentsToAcquireEntityShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow to acquire entity's shares.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PaymentsToAcquireEntityShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidationItemsAxis=srt_ReportableLegalEntitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidationItemsAxis=srt_ReportableLegalEntitiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>448
<FILENAME>R366.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Additional disclosures - Schedule of preferred shares and securities (Details) - Financial liabilities at amortised cost - EUR (&#8364;)<br> &#8364; in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount</a></td>
<td class="nump">&#8364; 29,287<span></span>
</td>
<td class="nump">&#8364; 35,813<span></span>
</td>
<td class="nump">&#8364; 30,912<span></span>
</td>
<td class="nump">&#8364; 25,926<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesMember', window );">Subordinated debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount</a></td>
<td class="nump">10,304<span></span>
</td>
<td class="nump">10,032<span></span>
</td>
<td class="nump">9,283<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesPreferenceSharesMember', window );">Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount</a></td>
<td class="nump">201<span></span>
</td>
<td class="nump">211<span></span>
</td>
<td class="nump">202<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesPreferredSecuritiesMember', window );">Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount</a></td>
<td class="nump">&#8364; 10,103<span></span>
</td>
<td class="nump">&#8364; 9,821<span></span>
</td>
<td class="nump">&#8364; 9,081<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialInstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SubordinatedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that are subordinate to other liabilities with respect to claims.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SubordinatedLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfFinancialLiabilitiesAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostCategoryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesPreferenceSharesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesPreferenceSharesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesPreferredSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesPreferredSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>449
<FILENAME>R367.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.26.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Additional disclosures - Schedule of preferred shares and securities by issuer (Details)<br> &#8364; in Millions, &#163; in Millions, $ in Millions</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="2"></th>
</tr>
<tr>
<th class="th"><div>Jul. 02, 2025</div></th>
<th class="th"><div>Aug. 01, 2024</div></th>
<th class="th"><div>May 20, 2024</div></th>
<th class="th"><div>Sep. 21, 2021</div></th>
<th class="th"><div>May 12, 2021</div></th>
<th class="th"><div>Jan. 14, 2020</div></th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>EUR (&#8364;)</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2025 </div>
<div>GBP (&#163;)</div>
</th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceBySantanderUKPLCInOctober1995Member', window );">Santander UK plc, October 1995 | Fixed rate debt | Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount | &#163;</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#163; 80.3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">10.375%<span></span>
</td>
<td class="nump">10.375%<span></span>
</td>
<td class="nump">10.375%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceBySantanderUKPLCInFebruary1996Member', window );">Santander UK plc, February 1996 | Fixed rate debt | Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount | &#163;</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#163; 80.3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">10.375%<span></span>
</td>
<td class="nump">10.375%<span></span>
</td>
<td class="nump">10.375%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInJanuary2020Member', window );">Banco Santander, S.A., January 2020 | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.375%<span></span>
</td>
<td class="nump">4.375%<span></span>
</td>
<td class="nump">4.375%<span></span>
</td>
<td class="nump">4.375%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">6 years<span></span>
</td>
<td class="text">6 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.534%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueMidSwapRateTerm', window );">Subordinated issue, mid-swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInJanuary2020Member', window );">Banco Santander, S.A., January 2020 | Fixed rate debt | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,032.4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.375%<span></span>
</td>
<td class="nump">4.375%<span></span>
</td>
<td class="nump">4.375%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInJanuary2020Member', window );">Banco Santander, S.A., January 2020 | 5-Year Mid-Swap Rate (Euro) | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.534%<span></span>
</td>
<td class="nump">4.534%<span></span>
</td>
<td class="nump">4.534%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInMay2021SeriesInDollarsMember', window );">Banco Santander, S.A., May 2021 | Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.75%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">6 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.753%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueUSTRateTerm', window );">Subordinated issue, UST rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInMay2021SeriesInDollarsMember', window );">Banco Santander, S.A., May 2021 | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.75%<span></span>
</td>
<td class="nump">4.75%<span></span>
</td>
<td class="nump">4.75%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">6 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueMidSwapRateTerm', window );">Subordinated issue, mid-swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInMay2021SeriesInDollarsMember', window );">Banco Santander, S.A., May 2021 | Fixed rate debt | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 999.9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.75%<span></span>
</td>
<td class="nump">4.75%<span></span>
</td>
<td class="nump">4.75%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInMay2021SeriesInDollarsMember', window );">Banco Santander, S.A., May 2021 | 5-Year UST Rate (US Dollar) | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.753%<span></span>
</td>
<td class="nump">3.753%<span></span>
</td>
<td class="nump">3.753%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInMay2021SeriesInEurosMember', window );">Banco Santander, S.A., May 2021 | Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.125%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">7 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.311%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueMidSwapRateTerm', window );">Subordinated issue, mid-swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInMay2021SeriesInEurosMember', window );">Banco Santander, S.A., May 2021 | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.125%<span></span>
</td>
<td class="nump">4.125%<span></span>
</td>
<td class="nump">4.125%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">7 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueMidSwapRateTerm', window );">Subordinated issue, mid-swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInMay2021SeriesInEurosMember', window );">Banco Santander, S.A., May 2021 | Fixed rate debt | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 749.2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.125%<span></span>
</td>
<td class="nump">4.125%<span></span>
</td>
<td class="nump">4.125%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInMay2021SeriesInEurosMember', window );">Banco Santander, S.A., May 2021 | 5-Year Mid-Swap Rate (Euro) | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.311%<span></span>
</td>
<td class="nump">4.311%<span></span>
</td>
<td class="nump">4.311%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInSeptember2021Member', window );">Banco Santander, S.A., September 2021 | Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.625%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">8 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.76%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueMidSwapRateTerm', window );">Subordinated issue, mid-swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInSeptember2021Member', window );">Banco Santander, S.A., September 2021 | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.625%<span></span>
</td>
<td class="nump">3.625%<span></span>
</td>
<td class="nump">3.625%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">8 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueMidSwapRateTerm', window );">Subordinated issue, mid-swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInSeptember2021Member', window );">Banco Santander, S.A., September 2021 | Fixed rate debt | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 994.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.625%<span></span>
</td>
<td class="nump">3.625%<span></span>
</td>
<td class="nump">3.625%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInSeptember2021Member', window );">Banco Santander, S.A., September 2021 | 5-Year Mid-Swap Rate (Euro) | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.76%<span></span>
</td>
<td class="nump">3.76%<span></span>
</td>
<td class="nump">3.76%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInNovember2023FirstSeriesMember', window );">Banco Santander, S.A., November 2023 | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9.625%<span></span>
</td>
<td class="nump">9.625%<span></span>
</td>
<td class="nump">9.625%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years 6 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueUSTRateTerm', window );">Subordinated issue, UST rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInNovember2023FirstSeriesMember', window );">Banco Santander, S.A., November 2023 | Fixed rate debt | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,149.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9.625%<span></span>
</td>
<td class="nump">9.625%<span></span>
</td>
<td class="nump">9.625%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInNovember2023FirstSeriesMember', window );">Banco Santander, S.A., November 2023 | 5-Year UST Rate (US Dollar) | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.306%<span></span>
</td>
<td class="nump">5.306%<span></span>
</td>
<td class="nump">5.306%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInNovember2023SecondSeriesMember', window );">Banco Santander, S.A., November 2023 | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9.625%<span></span>
</td>
<td class="nump">9.625%<span></span>
</td>
<td class="nump">9.625%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueUSTRateTerm', window );">Subordinated issue, UST rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInNovember2023SecondSeriesMember', window );">Banco Santander, S.A., November 2023 | Fixed rate debt | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,349.7<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9.625%<span></span>
</td>
<td class="nump">9.625%<span></span>
</td>
<td class="nump">9.625%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInNovember2023SecondSeriesMember', window );">Banco Santander, S.A., November 2023 | 5-Year UST Rate (US Dollar) | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.298%<span></span>
</td>
<td class="nump">5.298%<span></span>
</td>
<td class="nump">5.298%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InMay2024Member', window );">Banco Santander, S.A., May 2024 | Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">6 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueMidSwapRateTerm', window );">Subordinated issue, mid-swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InMay2024Member', window );">Banco Santander, S.A., May 2024 | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7.00%<span></span>
</td>
<td class="nump">7.00%<span></span>
</td>
<td class="nump">7.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">6 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueMidSwapRateTerm', window );">Subordinated issue, mid-swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InMay2024Member', window );">Banco Santander, S.A., May 2024 | Fixed rate debt | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,500.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7.00%<span></span>
</td>
<td class="nump">7.00%<span></span>
</td>
<td class="nump">7.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InMay2024Member', window );">Banco Santander, S.A., May 2024 | 5-Year Mid-Swap Rate (Euro) | Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.432%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InMay2024Member', window );">Banco Santander, S.A., May 2024 | 5-Year UST Rate (US Dollar) | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.432%<span></span>
</td>
<td class="nump">4.432%<span></span>
</td>
<td class="nump">4.432%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InAugust2024Member', window );">Banco Santander, S.A., August 2024 | Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueMidSwapRateTerm', window );">Subordinated issue, mid-swap rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InAugust2024Member', window );">Banco Santander, S.A., August 2024 | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8.00%<span></span>
</td>
<td class="nump">8.00%<span></span>
</td>
<td class="nump">8.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueUSTRateTerm', window );">Subordinated issue, UST rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InAugust2024Member', window );">Banco Santander, S.A., August 2024 | Fixed rate debt | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,494.5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8.00%<span></span>
</td>
<td class="nump">8.00%<span></span>
</td>
<td class="nump">8.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InAugust2024Member', window );">Banco Santander, S.A., August 2024 | 5-Year Mid-Swap Rate (Euro) | Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.911%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InAugust2024Member', window );">Banco Santander, S.A., August 2024 | 5-Year UST Rate (US Dollar) | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.911%<span></span>
</td>
<td class="nump">3.911%<span></span>
</td>
<td class="nump">3.911%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InJuly2025Member', window );">Banco Santander, S.A., July 2025 | Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="nump">6.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">6 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueMidSwapRateTerm', window );">Subordinated issue, mid-swap rate term</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InJuly2025Member', window );">Banco Santander, S.A., July 2025 | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6.00%<span></span>
</td>
<td class="nump">6.00%<span></span>
</td>
<td class="nump">6.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInitialInterestRateTerm', window );">Subordinated issue, initial interest rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">6 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRateRepriceTerm', window );">Subordinated issue, interest rate reprice term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueUSTRateTerm', window );">Subordinated issue, UST rate term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InJuly2025Member', window );">Banco Santander, S.A., July 2025 | Fixed rate debt | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,500.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6.00%<span></span>
</td>
<td class="nump">6.00%<span></span>
</td>
<td class="nump">6.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InJuly2025Member', window );">Banco Santander, S.A., July 2025 | 5-Year Mid-Swap Rate (Euro) | Subordinated liabilities, preference shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="nump">3.819%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderS.A.InJuly2025Member', window );">Banco Santander, S.A., July 2025 | 5-Year UST Rate (US Dollar) | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod', window );">Subordinated issue, adjustment to reference rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.819%<span></span>
</td>
<td class="nump">3.819%<span></span>
</td>
<td class="nump">3.819%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceBySantanderFinancePreferredSAInSeptember2004Member', window );">Santander Finance Preferred, S.A. (Unipersonal), September 2004 | CMS10 | Subordinated liabilities, preferred securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems', window );"><strong>Measurement of financial assets and liabilities and recognition of fair value changes</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_SubordinatedLiabilities', window );">Outstanding issue amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 143.8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_san_SubordinatedIssueInterestRate', window );">Interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8.00%<span></span>
</td>
<td class="nump">8.00%<span></span>
</td>
<td class="nump">8.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ifrs-full_BorrowingsAdjustmentToInterestRateBasis', window );">Variable interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.05%<span></span>
</td>
<td class="nump">0.05%<span></span>
</td>
<td class="nump">0.05%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BorrowingsAdjustmentToInterestRateBasis">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The adjustment to the basis (reference rate) used for calculation of the interest rate on borrowings. [Refer: Borrowings]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2025-01-01<br> -Paragraph 7<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2025-en-r&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BorrowingsAdjustmentToInterestRateBasis</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-2022:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfFinancialInstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialInstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SubordinatedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that are subordinate to other liabilities with respect to claims.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2027-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2025-01-01<br> -Paragraph 55<br> -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2025-en-b&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2025-03-27<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SubordinatedLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The adjustment to the basis (reference rate) used for calculation of the interest rate on the subordinated issue, after the initial interest rate period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedIssueInitialInterestRateTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The initial interest rate term of the subordinated issue.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedIssueInitialInterestRateTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedIssueInterestRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The interest rate on subordinated issues.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedIssueInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedIssueInterestRateRepriceTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subordinated Issue, Interest Rate Reprice Term</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedIssueInterestRateRepriceTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedIssueMidSwapRateTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subordinated Issue, Mid-Swap Rate Term</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedIssueMidSwapRateTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_SubordinatedIssueUSTRateTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subordinated Issue, UST Rate Term</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_SubordinatedIssueUSTRateTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>san_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceBySantanderUKPLCInOctober1995Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceBySantanderUKPLCInOctober1995Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfInterestRatesAxis=ifrs-full_FixedInterestRateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfInterestRatesAxis=ifrs-full_FixedInterestRateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesPreferenceSharesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesPreferenceSharesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceBySantanderUKPLCInFebruary1996Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceBySantanderUKPLCInFebruary1996Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInJanuary2020Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInJanuary2020Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesPreferredSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfLiabilitiesAxis=san_SubordinatedLiabilitiesPreferredSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfInterestRatesAxis=san_MidSwapRateFiveYearEuroMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfInterestRatesAxis=san_MidSwapRateFiveYearEuroMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInMay2021SeriesInDollarsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">san_PreferenceSharesAndPreferredSecuritiesByIssuanceAxis=san_IssuanceByBancoSantanderSAInMay2021SeriesInDollarsMember</td>
</tr>
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            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-1289">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ReverseRepurchaseAgreementsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1290">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ReverseRepurchaseAgreementsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-1291">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ReverseRepurchaseAgreementsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-1292">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:OtherTermLoansReceivablesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1293">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:OtherTermLoansReceivablesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-1294">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:OtherTermLoansReceivablesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-1295">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:FinanceLeaseLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1296">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:FinanceLeaseLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-1297">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:FinanceLeaseLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-1298">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ReceivableOnDemandMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1299">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ReceivableOnDemandMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-1300">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ReceivableOnDemandMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-1301">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CreditCardsReceivablesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1302">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CreditCardsReceivablesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-1303">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CreditCardsReceivablesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-1304">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ImpairedAssetsFinancialInstrumentTypeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1305">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ImpairedAssetsFinancialInstrumentTypeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-1306">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ImpairedAssetsFinancialInstrumentTypeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-1307">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:LoansAndAdvancesCustomersMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1308">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:LoansAndAdvancesCustomersMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-1309">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:LoansAndAdvancesCustomersMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-1310">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:LoansAndAdvancesCustomersMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1311">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:LoansAndAdvancesCustomersMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-1312">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:LoansAndAdvancesCustomersMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-1313">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:LoansAndAdvancesCustomersMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">san:RestOfEuropeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1314">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:LoansAndAdvancesCustomersMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">san:RestOfEuropeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-1315">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:LoansAndAdvancesCustomersMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">san:RestOfEuropeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-1316">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:LoansAndAdvancesCustomersMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">country:GB</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1317">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:LoansAndAdvancesCustomersMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">country:GB</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-1318">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:LoansAndAdvancesCustomersMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">country:GB</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-1319">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:LoansAndAdvancesCustomersMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">srt:AmericasMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1320">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:LoansAndAdvancesCustomersMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">srt:AmericasMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-1321">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:LoansAndAdvancesCustomersMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">srt:AmericasMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-1322">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:LoansAndAdvancesCustomersMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">country:US</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1323">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:LoansAndAdvancesCustomersMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">country:US</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-1324">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:LoansAndAdvancesCustomersMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">country:US</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-1325">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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        <entity>
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            <instant>2024-12-31</instant>
        </period>
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            <instant>2023-12-31</instant>
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            <instant>2025-12-31</instant>
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            <instant>2025-12-31</instant>
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            <instant>2023-12-31</instant>
        </period>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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        <entity>
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        <period>
            <instant>2024-12-31</instant>
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        <period>
            <instant>2023-12-31</instant>
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        <entity>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:PublicSectorMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
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        <period>
            <instant>2024-12-31</instant>
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            <instant>2023-12-31</instant>
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            <segment>
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        <period>
            <instant>2024-12-31</instant>
        </period>
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        <entity>
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        <period>
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        </period>
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        <entity>
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        <entity>
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        <period>
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        <entity>
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        <period>
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            <segment>
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        <period>
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        <entity>
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            <segment>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
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    <context id="c-1361">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:PublicSectorMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1363">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTVMoreThan100PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:PublicSectorMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1364">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherFinancialInstitutionsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1365">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSUncollateralizedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherFinancialInstitutionsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1366">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherFinancialInstitutionsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1367">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:OtherThanPropertyCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherFinancialInstitutionsMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1368">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTBLessThanOrEqualTo40PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherFinancialInstitutionsMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1369">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTV40To60PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherFinancialInstitutionsMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1370">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherFinancialInstitutionsMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1371">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:IFRSLTV80To100PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherFinancialInstitutionsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1372">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTVMoreThan100PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherFinancialInstitutionsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1373">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1374">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSUncollateralizedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1375">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1376">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:OtherThanPropertyCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1377">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTBLessThanOrEqualTo40PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1378">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTV40To60PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1379">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTV60To80PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1380">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:IFRSLTV80To100PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1381">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTVMoreThan100PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1382">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ConstructionAndPropertyDevelopmentLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1383">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSUncollateralizedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ConstructionAndPropertyDevelopmentLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1384">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ConstructionAndPropertyDevelopmentLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1385">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:OtherThanPropertyCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ConstructionAndPropertyDevelopmentLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1386">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTBLessThanOrEqualTo40PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ConstructionAndPropertyDevelopmentLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1387">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTV40To60PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ConstructionAndPropertyDevelopmentLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1388">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTV60To80PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ConstructionAndPropertyDevelopmentLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1389">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:IFRSLTV80To100PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ConstructionAndPropertyDevelopmentLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1390">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTVMoreThan100PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ConstructionAndPropertyDevelopmentLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1391">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CivilEngineeringConstructionLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
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    <context id="c-1392">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSUncollateralizedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CivilEngineeringConstructionLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
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    <context id="c-1393">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
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        <period>
            <instant>2025-12-31</instant>
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    <context id="c-1394">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:OtherThanPropertyCollateralPledgedMember</xbrldi:explicitMember>
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            <instant>2025-12-31</instant>
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    <context id="c-1395">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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            <instant>2025-12-31</instant>
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        <entity>
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            <segment>
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        <entity>
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    <context id="c-1398">
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        <period>
            <instant>2025-12-31</instant>
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    <context id="c-1399">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CivilEngineeringConstructionLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
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    <context id="c-1400">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CorporateLoansToLargeCompaniesMember</xbrldi:explicitMember>
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            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1401">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CorporateLoansToLargeCompaniesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1402">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CorporateLoansToLargeCompaniesMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1403">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:OtherThanPropertyCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CorporateLoansToLargeCompaniesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1404">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CorporateLoansToLargeCompaniesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1405">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTV40To60PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CorporateLoansToLargeCompaniesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1406">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CorporateLoansToLargeCompaniesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1407">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CorporateLoansToLargeCompaniesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1408">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CorporateLoansToLargeCompaniesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1409">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1410">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSUncollateralizedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CorporateLoansToSMEsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1411">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CorporateLoansToSMEsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1412">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:OtherThanPropertyCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CorporateLoansToSMEsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1413">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTBLessThanOrEqualTo40PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CorporateLoansToSMEsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1414">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CorporateLoansToSMEsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1415">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTV60To80PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CorporateLoansToSMEsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1416">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CorporateLoansToSMEsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1417">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTVMoreThan100PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:CorporateLoansToSMEsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1418">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:HouseholdsOtherMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1419">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSUncollateralizedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:HouseholdsOtherMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1420">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:HouseholdsOtherMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1421">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:OtherThanPropertyCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:HouseholdsOtherMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1422">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTBLessThanOrEqualTo40PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:HouseholdsOtherMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1423">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTV40To60PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:HouseholdsOtherMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1424">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTV60To80PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:HouseholdsOtherMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1425">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:IFRSLTV80To100PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:HouseholdsOtherMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1426">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTVMoreThan100PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:HouseholdsOtherMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1427">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ResidentialLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:HouseholdsOtherMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1428">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSUncollateralizedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ResidentialLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:HouseholdsOtherMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1429">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ResidentialLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:HouseholdsOtherMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1430">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ResidentialLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:HouseholdsOtherMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
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    <context id="c-1431">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:HouseholdsOtherMember</xbrldi:explicitMember>
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            <instant>2025-12-31</instant>
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            <segment>
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            <instant>2025-12-31</instant>
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            <instant>2025-12-31</instant>
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        <period>
            <instant>2025-12-31</instant>
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            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:HouseholdsOtherMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
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        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
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        <period>
            <instant>2025-12-31</instant>
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    <context id="c-1437">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">ifrs-full:ConsumerLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:HouseholdsOtherMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
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    <context id="c-1438">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:HouseholdsOtherMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1439">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:HouseholdsOtherMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1440">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">ifrs-full:ConsumerLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:HouseholdsOtherMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-1441">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
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                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:AccumulatedImpairmentMember</xbrldi:explicitMember>
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        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-1960">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:ConstructionInProgressMember</xbrldi:explicitMember>
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        <period>
            <instant>2023-12-31</instant>
        </period>
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    <context id="c-1961">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
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                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
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                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:RightofuseAssetsMember</xbrldi:explicitMember>
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        <period>
            <instant>2023-12-31</instant>
        </period>
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    <context id="c-1962">
        <entity>
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                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
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                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
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        <period>
            <instant>2023-12-31</instant>
        </period>
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        <entity>
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                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:AccumulatedDepreciationAndAmortisationMember</xbrldi:explicitMember>
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        <period>
            <instant>2023-12-31</instant>
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        <period>
            <instant>2023-12-31</instant>
        </period>
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        <entity>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">san:PropertyPlantAndEquipmentPurchasedForOwnUseMember</xbrldi:explicitMember>
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        <period>
            <instant>2023-12-31</instant>
        </period>
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        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
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                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
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                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:RightofuseAssetsMember</xbrldi:explicitMember>
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        <period>
            <instant>2023-12-31</instant>
        </period>
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    <context id="c-1967">
        <entity>
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                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
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                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
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        <period>
            <instant>2024-12-31</instant>
        </period>
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        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:AccumulatedDepreciationAndAmortisationMember</xbrldi:explicitMember>
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                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
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        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
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                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:AccumulatedImpairmentMember</xbrldi:explicitMember>
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                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
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        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
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        <period>
            <instant>2024-12-31</instant>
        </period>
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        <entity>
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            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
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                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:RightofuseAssetsMember</xbrldi:explicitMember>
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        <period>
            <instant>2024-12-31</instant>
        </period>
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        <entity>
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                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:ComputerEquipmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
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        <period>
            <instant>2024-12-31</instant>
        </period>
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        <entity>
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                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:AccumulatedDepreciationAndAmortisationMember</xbrldi:explicitMember>
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        <period>
            <instant>2024-12-31</instant>
        </period>
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        <entity>
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                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:AccumulatedImpairmentMember</xbrldi:explicitMember>
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                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
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        <period>
            <instant>2024-12-31</instant>
        </period>
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        <entity>
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            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:ComputerEquipmentMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
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        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
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                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:RightofuseAssetsMember</xbrldi:explicitMember>
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        <period>
            <instant>2024-12-31</instant>
        </period>
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        <entity>
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            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
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        </period>
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        <period>
            <instant>2024-12-31</instant>
        </period>
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        <entity>
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        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
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        <entity>
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        <period>
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        </period>
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            <segment>
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            <instant>2024-12-31</instant>
        </period>
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        <period>
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        <period>
            <instant>2024-12-31</instant>
        </period>
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        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
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                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">san:PropertyPlantAndEquipmentPurchasedForOwnUseMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:RightofuseAssetsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-1992">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:LandAndBuildingsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1993">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:AccumulatedDepreciationAndAmortisationMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:LandAndBuildingsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1994">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:AccumulatedImpairmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:LandAndBuildingsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1995">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:LandAndBuildingsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1996">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:LandAndBuildingsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:RightofuseAssetsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1997">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:ComputerEquipmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1998">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:AccumulatedDepreciationAndAmortisationMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:ComputerEquipmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-1999">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:AccumulatedImpairmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:ComputerEquipmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2000">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:ComputerEquipmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2001">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:ComputerEquipmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:RightofuseAssetsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2002">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">san:FurnitureAndVehiclesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2003">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:AccumulatedDepreciationAndAmortisationMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">san:FurnitureAndVehiclesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2004">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:AccumulatedImpairmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">san:FurnitureAndVehiclesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2005">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">san:FurnitureAndVehiclesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2006">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">san:FurnitureAndVehiclesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:RightofuseAssetsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2007">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:ConstructionInProgressMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2008">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:AccumulatedDepreciationAndAmortisationMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:ConstructionInProgressMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2009">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:AccumulatedImpairmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:ConstructionInProgressMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2010">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:ConstructionInProgressMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2011">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:ConstructionInProgressMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:RightofuseAssetsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2012">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">san:PropertyPlantAndEquipmentPurchasedForOwnUseMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2013">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:AccumulatedDepreciationAndAmortisationMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">san:PropertyPlantAndEquipmentPurchasedForOwnUseMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2014">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:AccumulatedImpairmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">san:PropertyPlantAndEquipmentPurchasedForOwnUseMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2015">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">san:PropertyPlantAndEquipmentPurchasedForOwnUseMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:PropertyPlantAndEquipmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2016">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">san:PropertyPlantAndEquipmentPurchasedForOwnUseMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssetsAxis">ifrs-full:RightofuseAssetsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2017">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">san:PropertyPlantAndEquipmentPurchasedForOwnUseMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:ForeignCountriesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2018">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">san:PropertyPlantAndEquipmentPurchasedForOwnUseMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:ForeignCountriesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-2019">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">san:PropertyPlantAndEquipmentPurchasedForOwnUseMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:ForeignCountriesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-2020">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:PropertyPlantAndEquipmentSubjectToOperatingLeasesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentByOperatingLeaseStatusAxis">ifrs-full:VehiclesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:SignificantInvestmentsInSubsidiariesAxis">san:SantanderUSAutoMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2021">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:PropertyPlantAndEquipmentSubjectToOperatingLeasesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentByOperatingLeaseStatusAxis">ifrs-full:VehiclesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:SignificantInvestmentsInSubsidiariesAxis">san:SantanderUSAutoMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-2022">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfPropertyPlantAndEquipmentAxis">ifrs-full:PropertyPlantAndEquipmentSubjectToOperatingLeasesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:PropertyPlantAndEquipmentByOperatingLeaseStatusAxis">ifrs-full:VehiclesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:SignificantInvestmentsInSubsidiariesAxis">san:SantanderUSAutoMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-2023">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:MaturityAxis">ifrs-full:NotLaterThanOneYearMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:SignificantInvestmentsInSubsidiariesAxis">san:SantanderUSAutoMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-2024">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:MaturityAxis">ifrs-full:LaterThanOneYearAndNotLaterThanTwoYearsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:SignificantInvestmentsInSubsidiariesAxis">san:SantanderUSAutoMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
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            <instant>2023-12-31</instant>
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            <instant>2023-12-31</instant>
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    <context id="c-5888">
        <entity>
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            <instant>2023-12-31</instant>
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            <instant>2023-12-31</instant>
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            <instant>2023-12-31</instant>
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            <instant>2023-12-31</instant>
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        <entity>
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            <instant>2023-12-31</instant>
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        <entity>
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            <instant>2023-12-31</instant>
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            <instant>2023-12-31</instant>
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            <instant>2023-12-31</instant>
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        <entity>
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            <instant>2023-12-31</instant>
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        <entity>
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                <xbrldi:explicitMember dimension="ifrs-full:MaturityAxis">ifrs-full:OnDemandMember</xbrldi:explicitMember>
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            <instant>2023-12-31</instant>
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        <entity>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialLiabilitiesAxis">san:DepositsCustomersMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:MaturityAxis">ifrs-full:NotLaterThanThreeMonthsMember</xbrldi:explicitMember>
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        <period>
            <instant>2023-12-31</instant>
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        <entity>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialLiabilitiesAxis">san:DepositsCustomersMember</xbrldi:explicitMember>
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            <instant>2023-12-31</instant>
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            <instant>2023-12-31</instant>
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        <entity>
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        <entity>
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            <segment>
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            <instant>2023-12-31</instant>
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        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:MaturityAxis">ifrs-full:OnDemandMember</xbrldi:explicitMember>
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        <entity>
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        <entity>
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        <entity>
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        <entity>
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            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:HomePurchaseLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-6918">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:HomePurchaseLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-6919">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSUncollateralizedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:HomePurchaseLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-6920">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSUncollateralizedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:HomePurchaseLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-6921">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:HomePurchaseLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-6922">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:HomePurchaseLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
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    <context id="c-6923">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:HomePurchaseLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-6924">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:HomePurchaseLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
    </context>
    <context id="c-6925">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:HomePurchaseLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-6926">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:HomePurchaseLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-6927">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:HomePurchaseLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:RetailAndCommercialBankingMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
    </context>
    <context id="c-6928">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:IFRSLTVLessThan80PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:HomePurchaseLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:RangeAxis">ifrs-full:TopOfRangeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
    </context>
    <context id="c-6929">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTBLessThanOrEqualTo40PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:HomePurchaseLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-6930">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTV40To60PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:HomePurchaseLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-6931">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTV60To80PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:HomePurchaseLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-6932">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:IFRSLTV80To100PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:HomePurchaseLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-6933">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTVMoreThan100PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:HomePurchaseLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-6934">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTBLessThanOrEqualTo40PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:HomePurchaseLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-6935">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="san:LoanToValue1Axis">san:LTV40To60PercentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:HomePurchaseLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-6936">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
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                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
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    <context id="c-6937">
        <entity>
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                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
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        <period>
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    <context id="c-6938">
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                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
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                <xbrldi:explicitMember dimension="ifrs-full:GeographicalAreasAxis">ifrs-full:CountryOfDomicileMember</xbrldi:explicitMember>
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        <period>
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        <entity>
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            <segment>
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        <period>
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    <context id="c-6940">
        <entity>
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            <endDate>2025-12-31</endDate>
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    <context id="c-6941">
        <entity>
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            <segment>
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        <period>
            <instant>2024-12-31</instant>
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        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ProductsAndServicesAxis">san:RealEstateOperationsInSpainSegmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-6943">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ProductsAndServicesAxis">san:RealEstateOperationsInSpainSegmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
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    <context id="c-6944">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ConstructionAndPropertyDevelopmentLoansMember</xbrldi:explicitMember>
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                <xbrldi:explicitMember dimension="ifrs-full:ProductsAndServicesAxis">san:RealEstateOperationsInSpainSegmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
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    <context id="c-6945">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialInstrumentsAxis">san:ConstructionAndPropertyDevelopmentLoansMember</xbrldi:explicitMember>
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                <xbrldi:explicitMember dimension="ifrs-full:ProductsAndServicesAxis">san:RealEstateOperationsInSpainSegmentMember</xbrldi:explicitMember>
            </segment>
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            <startDate>2025-01-01</startDate>
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            <startDate>2024-01-01</startDate>
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        <entity>
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            <endDate>2023-12-31</endDate>
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    <context id="c-6948">
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                <xbrldi:explicitMember dimension="ifrs-full:ProductsAndServicesAxis">san:RealEstateOperationsInSpainSegmentMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
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                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ProductsAndServicesAxis">san:RealEstateOperationsInSpainSegmentMember</xbrldi:explicitMember>
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            <instant>2025-12-31</instant>
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                <xbrldi:explicitMember dimension="ifrs-full:ProductsAndServicesAxis">san:RealEstateOperationsInSpainSegmentMember</xbrldi:explicitMember>
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            <instant>2024-12-31</instant>
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            <instant>2025-12-31</instant>
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        <period>
            <instant>2025-12-31</instant>
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                <xbrldi:explicitMember dimension="ifrs-full:ProductsAndServicesAxis">san:RealEstateOperationsInSpainSegmentMember</xbrldi:explicitMember>
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            <instant>2025-12-31</instant>
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            <instant>2025-12-31</instant>
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            <instant>2025-12-31</instant>
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        <period>
            <instant>2025-12-31</instant>
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        </period>
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    <context id="c-7432">
        <entity>
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            <instant>2025-12-31</instant>
        </period>
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            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7586">
        <entity>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:PublicSectorMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-7587">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7588">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
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    <context id="c-7589">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7590">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <startDate>2025-01-01</startDate>
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        </period>
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    <context id="c-7591">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-7592">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7593">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherFinancialInstitutionsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-7594">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7595">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherFinancialInstitutionsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-7596">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherFinancialInstitutionsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7597">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherFinancialInstitutionsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7598">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherFinancialInstitutionsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-7599">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7600">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-7601">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7602">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-7603">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <startDate>2025-01-01</startDate>
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        </period>
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    <context id="c-7604">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:NonFinancialCorporationsAndIndividualEntrepreneursMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
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    <context id="c-7605">
        <entity>
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        <period>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:ConstructionAndPropertyDevelopmentLoansMember</xbrldi:explicitMember>
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        <entity>
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            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
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    <context id="c-7609">
        <entity>
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        <period>
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    <context id="c-7610">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7611">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7612">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:ConstructionAndPropertyDevelopmentLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-7613">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSUncollateralizedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherWarehousesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
    </context>
    <context id="c-7614">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSUncollateralizedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherWarehousesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-7615">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherWarehousesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7616">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherWarehousesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-7617">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherWarehousesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
    </context>
    <context id="c-7618">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:RestOfRealGuaranteesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherWarehousesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
    </context>
    <context id="c-7619">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:AccumulatedImpairmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherWarehousesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-7620">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSUncollateralizedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
    </context>
    <context id="c-7621">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSUncollateralizedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-7622">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
    </context>
    <context id="c-7623">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-7624">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:RealEstateGuaranteeMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
    </context>
    <context id="c-7625">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:RestOfRealGuaranteesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
    </context>
    <context id="c-7626">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:AccumulatedImpairmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-7627">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSUncollateralizedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
    </context>
    <context id="c-7628">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSUncollateralizedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-7629">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSCollateralPledgedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7630">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSCollateralPledgedMember</xbrldi:explicitMember>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-7631">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:RealEstateGuaranteeMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
    </context>
    <context id="c-7632">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:RestOfRealGuaranteesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7633">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:AccumulatedImpairmentMember</xbrldi:explicitMember>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-7634">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:CreditEntitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7635">
        <entity>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:CreditEntitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-7636">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:CreditEntitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7637">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:CreditEntitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-7638">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:CreditEntitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
    </context>
    <context id="c-7639">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:RestOfRealGuaranteesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:CreditEntitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
    </context>
    <context id="c-7640">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:CreditEntitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-7641">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:PublicSectorMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
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    <context id="c-7642">
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:PublicSectorMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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            <instant>2025-12-31</instant>
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            <startDate>2025-01-01</startDate>
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            <instant>2025-12-31</instant>
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            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
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            <startDate>2025-01-01</startDate>
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            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
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            <startDate>2025-01-01</startDate>
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            <instant>2025-12-31</instant>
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        <entity>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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            <startDate>2025-01-01</startDate>
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        <period>
            <instant>2025-12-31</instant>
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    <context id="c-7650">
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            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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            <startDate>2025-01-01</startDate>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
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    <context id="c-7652">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
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            <startDate>2025-01-01</startDate>
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        </period>
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    <context id="c-7653">
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            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
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        <period>
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    <context id="c-7664">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:ConstructionAndPropertyDevelopmentLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7665">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:ConstructionAndPropertyDevelopmentLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-7666">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:ConstructionAndPropertyDevelopmentLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7667">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:ConstructionAndPropertyDevelopmentLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7668">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:ConstructionAndPropertyDevelopmentLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-7669">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherWarehousesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7670">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherWarehousesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-7671">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherWarehousesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7672">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherWarehousesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
    </context>
    <context id="c-7673">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherWarehousesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
    </context>
    <context id="c-7674">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherWarehousesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
    </context>
    <context id="c-7675">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfCustomersAxis">san:OtherWarehousesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-7676">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
    </context>
    <context id="c-7677">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="san:Collateral1Axis">san:IFRSUncollateralizedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:GrossCarryingAmountMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-7678">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7679">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-7680">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7681">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:ClassesOfFinancialAssetsAxis">san:ForborneLoanPortfolioMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7682">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
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                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
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    <context id="c-7684">
        <entity>
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            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
        </period>
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    <context id="c-7685">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
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                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        <period>
            <instant>2025-12-31</instant>
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    <context id="c-7687">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7688">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
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                <xbrldi:explicitMember dimension="ifrs-full:InternalCreditGradesAxis">san:CreditImpairedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="ifrs-full:TypesOfRisksAxis">ifrs-full:CreditRiskMember</xbrldi:explicitMember>
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        </entity>
        <period>
            <startDate>2025-01-01</startDate>
            <endDate>2025-12-31</endDate>
        </period>
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    <context id="c-7689">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000891478</identifier>
            <segment>
                <xbrldi:explicitMember dimension="ifrs-full:CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis">ifrs-full:AccumulatedImpairmentMember</xbrldi:explicitMember>
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    <unit id="employee">
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    <unit id="jurisdiction">
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    <unit id="program">
        <measure>san:program</measure>
    </unit>
    <unit id="remuneration_component">
        <measure>san:remuneration_component</measure>
    </unit>
    <unit id="annuity">
        <measure>san:annuity</measure>
    </unit>
    <unit id="variable_remuneration">
        <measure>san:variable_remuneration</measure>
    </unit>
    <unit id="credit_institution">
        <measure>san:credit_institution</measure>
    </unit>
    <unit id="metric">
        <measure>san:metric</measure>
    </unit>
    <unit id="payment">
        <measure>san:Payment</measure>
    </unit>
    <unit id="trading_session">
        <measure>san:trading_session</measure>
    </unit>
    <unit id="payments">
        <measure>san:payments</measure>
    </unit>
    <unit id="people">
        <measure>san:people</measure>
    </unit>
    <unit id="brl">
        <measure>iso4217:BRL</measure>
    </unit>
    <unit id="clp">
        <measure>iso4217:CLP</measure>
    </unit>
    <unit id="case">
        <measure>san:case</measure>
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    <unit id="child">
        <measure>san:child</measure>
    </unit>
    <unit id="judgement">
        <measure>san:judgement</measure>
    </unit>
    <unit id="gbpPerEUR">
        <divide>
            <unitNumerator>
                <measure>iso4217:GBP</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:EUR</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="gbpPerUSD">
        <divide>
            <unitNumerator>
                <measure>iso4217:GBP</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:USD</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="gbpPerJPY">
        <divide>
            <unitNumerator>
                <measure>iso4217:GBP</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:JPY</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="gbpPerCHF">
        <divide>
            <unitNumerator>
                <measure>iso4217:GBP</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:CHF</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="gbpPerCAD">
        <divide>
            <unitNumerator>
                <measure>iso4217:GBP</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:CAD</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="cnyPerEUR">
        <divide>
            <unitNumerator>
                <measure>iso4217:CNY</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:EUR</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="mxnPerEUR">
        <divide>
            <unitNumerator>
                <measure>iso4217:MXN</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:EUR</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="audPerEUR">
        <divide>
            <unitNumerator>
                <measure>iso4217:AUD</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:EUR</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="nzdPerEUR">
        <divide>
            <unitNumerator>
                <measure>iso4217:NZD</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:EUR</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="czkPerEUR">
        <divide>
            <unitNumerator>
                <measure>iso4217:CZK</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:EUR</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="eurPerCOP">
        <divide>
            <unitNumerator>
                <measure>iso4217:EUR</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:COP</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="eurPerUSD">
        <divide>
            <unitNumerator>
                <measure>iso4217:EUR</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:USD</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="hkdPerEUR">
        <divide>
            <unitNumerator>
                <measure>iso4217:HKD</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:EUR</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="jpyPerEUR">
        <divide>
            <unitNumerator>
                <measure>iso4217:JPY</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:EUR</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="nokPerEUR">
        <divide>
            <unitNumerator>
                <measure>iso4217:NOK</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:EUR</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="ronPerEUR">
        <divide>
            <unitNumerator>
                <measure>iso4217:RON</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:EUR</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="chfPerEUR">
        <divide>
            <unitNumerator>
                <measure>iso4217:CHF</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:EUR</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="usdPerCOP">
        <divide>
            <unitNumerator>
                <measure>iso4217:USD</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:COP</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="usdPerMXN">
        <divide>
            <unitNumerator>
                <measure>iso4217:USD</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:MXN</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="brlPerEUR">
        <divide>
            <unitNumerator>
                <measure>iso4217:BRL</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:EUR</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="clpPerEUR">
        <divide>
            <unitNumerator>
                <measure>iso4217:CLP</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:EUR</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="copPerEUR">
        <divide>
            <unitNumerator>
                <measure>iso4217:COP</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:EUR</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="usdPerEUR">
        <divide>
            <unitNumerator>
                <measure>iso4217:USD</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:EUR</measure>
            </unitDenominator>
        </divide>
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    <unit id="plnPerEUR">
        <divide>
            <unitNumerator>
                <measure>iso4217:PLN</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:EUR</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="cadPerEUR">
        <divide>
            <unitNumerator>
                <measure>iso4217:CAD</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:EUR</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="uyuPerEUR">
        <divide>
            <unitNumerator>
                <measure>iso4217:UYU</measure>
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            <unitDenominator>
                <measure>iso4217:EUR</measure>
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        </divide>
    </unit>
    <unit id="eurPerGBP">
        <divide>
            <unitNumerator>
                <measure>iso4217:EUR</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>iso4217:GBP</measure>
            </unitDenominator>
        </divide>
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        <divide>
            <unitNumerator>
                <measure>iso4217:PEN</measure>
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            <unitDenominator>
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    <unit id="copPerUSD">
        <divide>
            <unitNumerator>
                <measure>iso4217:COP</measure>
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            <unitDenominator>
                <measure>iso4217:USD</measure>
            </unitDenominator>
        </divide>
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            <unitDenominator>
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        </divide>
    </unit>
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        <divide>
            <unitNumerator>
                <measure>iso4217:PEN</measure>
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            <unitDenominator>
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            <unitNumerator>
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    <ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory contextRef="c-1" id="f-1158">Introduction, basis of presentation of the consolidated financial statements (consolidated annual accounts) and other information&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i77528bda2ffa40d693c9b52c4c5de603"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Introduction&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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, where it was constituted and currently maintains its legal domicile, which is paseo de Pereda, numbers 9 to 12, 39004, Santander, Spain.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The principal headquarters of Banco Santander are located in Ciudad Grupo Santander, Avenida Cantabria s/n, 28660, Boadilla del Monte, Madrid, Spain.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The corporate purpose of Banco Santander, S.A. mainly entails carrying out all kinds of activities, operations and services inherent to the banking business in general and permitted by current legislation, and the acquisition, holding, enjoyment and disposal of all kinds of securities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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'). Therefore, Banco Santander is obliged to prepare, in addition to its own separate financial statements, the Group's consolidated financial statements, which also include the interests in joint ventures and investments in associates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, Grupo Santander consisted of 755 subsidiaries of Banco Santander, S.A. In addition, other 191 companies are associates of the Group, joint ventures or companies of which the Group holds more than 5% (excluding the Group companies of negligible interest with respect to the fair presentation that the annual accounts must express).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander consolidated financial statements for 2023 were approved by the shareholders at the group&#xb4;s annual general meeting on 22 March 2024. Grupo Santander consolidated financial statements for 2024 were approved by the shareholders at the group&#xb4;s annual general meeting on 4 April 2025. The Group's 2025 consolidated financial statements, the financial statements of the parent and of substantially all the Group companies have not been approved yet by their shareholders at the respective annual general meetings. However, Banco Santander board of directors considers that the aforementioned financial statements will be approved without any significant changes.&lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_847"&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span id="iec0a94ffd1fd41a3afa9feb654b1cf53"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Basis of presentation of the consolidated financial statements&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Under Regulation (EC) n.&#xba; 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').&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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, on Public and Confidential Financial Reporting Standards and Financial Statement Formats and the following regulations. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Particularly, during 2025 and 2023, the Bank of Spain published Circulars 1/2025 of 19 December of 2025, and 1/2023 of 24 February of 2023, amending Circular 4/2017 of 27 November to credit institutions on Public and Confidential Financial Reporting Standards and Financial Statement Formats.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander consolidated financial statements for 2025 were authorised by the Bank's directors (at the board meeting on 24 February 2026) in accordance with International Financial Reporting Standards as adopted by the European Union and with Bank of Spain circular 4/2017 and subsequent modifications, and Spanish corporate and commercial law applicable to the Group, using the basis of consolidation, accounting policies and measurement bases set forth in note 2, accordingly, they present fairly the Group's equity and financial position at 31 December 2025, 2024 and 2023 and the consolidated results of its operations and the consolidated cash flows in 2025, 2024 and 2023. These consolidated annual accounts have been prepared on the basis of the accounting records held by Banco Santander and by each of the other companies of the Group, and include the adjustments and reclassifications required to standardise the accounting policies and valuation criteria applied by Grupo Santander. The consolidated financial statements are also in compliance with IFRS as issued by the International Accounting Standards Board ('IFRS &#x2013; IASB' and together with IFRS adopted by the European Union, 'IFRS').&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The notes to the consolidated financial statements contain additional information to that presented in the consolidated balance sheet, consolidated income statement, consolidated statement of recognised income and expense, consolidated statement of changes in total equity and consolidated statement of cash flows. The notes provide, in a clear, relevant, reliable and comparable manner, narrative descriptions and breakdowns of these statements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The information contained in the consolidated income statement has been reclassified as a result of the change in the presentation for certain charges at 31 December 2025 in the amount of EUR 427&#160;million, mainly levies and other expenses, of which EUR 359&#160;million have been reclassified from the line item 'Other provisions' to the line item 'Other operating expenses'. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%"&gt;The figures of the consolidated annual accounts are presented in millions of euros unless another alternative monetary unit is indicated, rounded to the nearest million unit.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i5c5935c78f4d4dd7be2c8ba299bbc585"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;Adoption of new standards and interpretations issued&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following modifications came into force and were adopted by the European Union in 2025: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;IAS 21 Effects of changes in foreign currency exchange rates: IAS 21 established the requirements to apply when there is a temporary lack of interchangeability between two currencies, but did not give indications when this situation was not temporary. Given this scenario, IAS 21 has been modified establishing the criteria to identify these situations, specifying how entities should estimate the spot exchange rate, the methodologies and data to be considered, as well as the associated disclosure requirements. This modification was applied in advance by the Group on 31 December 2024. For more information, see Note 2.a.iv.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The application of the aforementioned amendment to accounting standards and interpretations did not have any material effects on Grupo Santander consolidated financial statements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Likewise, at the date of approval of these consolidated annual accounts, the following standards which effectively came into force have effective dates after 31 December 2025:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;padding-left:3.11pt"&gt;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. These amendments will be applicable from 1 January 2026. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;padding-left:3.11pt"&gt;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. These modifications will be applicable form 1 January 2026. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;IFRS 18 Presentation and Disclosure in Financial Statements, which replaces IAS 1 Presentation of Financial Statements, (i) improves the comparability of the income statement by defining its structure into three categories (operating, investing, and financing) and presenting defined subtotals, including operating profit; (ii) breaks down in the financial statements certain management-defined performance measures related to the income statement; and (iii) improves the aggregation of information for disclosure in the financial statements or notes. The new standard will be applicable from 1 January 2027.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Amendments to IFRS Improvement Cycle: introduces minor amendments, effective from 1 January 2026, to the following standards:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;IFRS 1 First-time Adoption of International Financial Reporting Standards, for hedge accounting in first adoption.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;IFRS 7 Financial Instruments: Disclosures: updated references and alignment with IFRS 13, as well as clarifications in the Implementation Guidance.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;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'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;IFRS10 Consolidated Financial Statements: Determining a 'de facto agent'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;IAS 7 Statement of Cashflows: replacing the term 'cost method' with 'cost'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%"&gt;Finally, at the date of approval of these consolidated annual accounts, the following standards which effectively come into force after 31 December 2025 had not yet been adopted by the European Union:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;IFRS 19 Subsidiaries without Public Accountability: Disclosures: this new standard works alongside other IFRS Accounting Standards. An eligible subsidiary applies the requirements in other IFRS Accounting Standards except for the disclosure requirements and instead applies the reduced disclosure requirements in IFRS 19. A subsidiary is eligible if: (i) it does not have public accountability; and (ii) it has an ultimate or intermediate parent that produces consolidated financial statements available for public use that comply with IFRS Accounting Standards. Applicable from 1 January 2027. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;IFRS 19 Subsidiaries without Public Accountability: Disclosures: these new amendments help eligible subsidiaries reduce disclosures related to IFRS standards and amendments issued between February 2021 and May 2024. With these amendments, IFRS 19 reflects the IFRS changes that will take effect up to 1 January 2027, when IFRS 19 will become applicable.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Amendments to IAS 21 The effects of Changes in Foreign Exchange Rates: Translation to a Hyperinflationary Presentation Currency: establishes how to translate financial statements when the presentation currency is subject to hyperinflation. Requires converting all amounts, including comparatives, at the closing exchange rates and restating them in accordance with IAS 29. Furthermore, introduces additional disclosures to enhance comparability and reduce diversity in practice. Applicable from 1 January 2027, with early application permitted. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander is currently analyzing the possible effects of these new standards and interpretations, and unless expressly indicated otherwise, no significant impacts are expected from their application.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;During 2025, the Group completed the project to adapt its accounting policies relating to hedging transactions to the hedge accounting requirements set out in IFRS 9 (see Note 2.d.v). The main impacts of this change on the accounting for hedging relationships are primarily due to: (i) the mandatory separation of the time value of options (when the hedged risk is the intrinsic value); (ii) and the optional separation of the forward element of foreign exchange forward contracts for all hedges, as well as (iii) the separation of the foreign currency basis spread of a foreign exchange derivative for each hedging relationship. The application of these options to hedges designated before 31 December 2024 did not have a material impact on the Group's consolidated statement of financial position or consolidated profit or loss.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;All accounting policies and measurement bases with a material effect on the consolidated financial statements for 2025 were applied in the preparation of these consolidated annual accounts.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="ic5631b4734934331b08987495b30ceec"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;c) Use of accounting estimates&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The consolidated results and the determination of consolidated equity are sensitive to the accounting policies, measurement bases and estimates used by Banco Santander in preparing the consolidated financial statements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The main accounting policies and measurement bases are set forth in note 2.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the consolidated financial statements estimates were occasionally made by the senior management of Grupo Santander in order to quantify certain of the assets, liabilities, income, expenses and obligations reported herein. These estimates, which were made on the basis of the best information available, relate basically to the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The impairment losses on certain assets: it applies to financial assets at fair value through other comprehensive income, financial assets at amortised cost, non-current assets held for sale, investments, tangible assets and intangible assets (see Notes 6, 7, 10, 12, 13, 16, 17, 18 and 54).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The assumptions used in the actuarial calculation of the post-employment benefit liabilities and commitments and other obligations (see Note 25).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The useful life of the tangible and intangible assets (see Notes 16 and 18).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The measurement of the impairment in goodwill arising on consolidation (see Note 17).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The calculation of provisions and the consideration of contingent liabilities (see Note 25).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The fair value of certain unquoted assets and liabilities (see Notes 6, 7, 8, 9, 10, 11, 20, 21 and 22).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The recoverability of deferred tax assets (see Note 27).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The fair value of the identifiable assets acquired and the liabilities assumed in business combinations in accordance with IFRS 3 (see Note 17).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The measurement of assets under reinsurance contracts and liabilities under insurance contracts (see Note 15).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;To update the previous estimates, the Group's management has taken into account the current macroeconomic scenario, characterized by persistent geopolitical tensions and changing financial conditions, as well as the evolution of monetary and fiscal policies in major economies. The analysis also considers developments in interest rates, credit spreads, and currency movements, along with labor market trends in the geographies where the Group operates. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group's management has evaluated in particular the uncertainties caused by the current environment 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, 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, developing in the notes the main estimates made during the period ended December 31, 2025 (see notes 10, 17, 50 and 54). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Although these estimates have been made on the basis of the best information available at the end of the year 2025, and considering information updated at the date of preparation of these consolidated annual accounts, it is possible that events that may take place in the future may make it necessary to modify them (upwards or downwards) in the coming years, which would be done, if appropriate, in a prospective manner, recognising the effects of the change in estimate in the corresponding consolidated income statement. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="ica94a5d04b5b4435bfdf221d2b51bbbd"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;d) Information relating to 2024 and 2023&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The information in the consolidated income statement from 2024 and 2023 has been restated, as a result of the agreement for the sale of Santander Bank Polska S.A. by Grupo Santander, as required by IFRS 5 (see, mainly, Notes 3 and 37, as well as the rest of the notes of the profit and loss account).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, the segment information corresponding to the years ended 31 December 2024 and 2023 has been restated, in accordance with the changes in the segments' composition of Grupo Santander, as required by IFRS 8 (see note 52).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The information contained in the consolidated income statements relating to the periods 2024 and 2023 has been modified as a result of the retrospective application of the change in the presentation for certain charges in the amounts of EUR 403&#160;million and EUR 352&#160;million, respectively (see Note 1.b).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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 Grupo Santander in view of its geographic diversity (see note 52.b) and the impact of the appreciation/depreciation of the various currencies against the euro in 2025, based on the exchange rates at the end of 2025: Mexican peso (2.05%), US dollar (-11.62%), Brazilian real (-0.47%), Argentinian peso (-37.23%), Sterling pound (-4.99%), Chilean peso (-2.57%), and Polish zloty (1.30%); as well as the evolution of the comparable average rates: Mexican peso (-8.95%), US dollar (-4.15%), Brazilian real (-7.86%), Sterling pound (-1.20%), Chilean peso (-4.90%) and Polish zloty (1.56%).&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i41c300dff0b949d19329278ce1680516"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;e) Capital management&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i212efa7d58ed46bd842e545ff56a9c9d"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Regulatory and economic capital&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Credit institutions must comply with a set of minimum capital and liquidity requirements. These minimum requirements are regulated by the European Capital Requirements Regulation (CRR), which is directly applicable within the Spanish legal framework, and by the Capital Requirements Directive (CRD).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 19 June 2024, the final texts of the update to the banking package were published in the Official Journal of the European Union: Regulation (EU) 2024/1623 (hereinafter, CRR 3), which amends the CRR with regard to requirements for credit risk, credit valuation adjustment risk, operational risk, market risk and the floor on risk-weighted assets (known as the output floor), as well as Directive (EU) 2024/1619 (hereinafter, CRD VI), which amends the CRD as regards supervisory powers, sanctions, third-country branches, and environmental, social and governance risks.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The update to the banking package aims, on the one hand, to implement the final Basel III reforms and, on the other, to strengthen the harmonisation of banking supervision within the European Union (EU).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;CRR 3, applicable since 1 January 2025, introduce greater risk sensitivity into standardised approaches, reduce the variability of risk-weighted assets among banks using internal models to calculate capital requirements, and enhance comparability across banks. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Under CRD VI, the ambition to achieve more robust supervision and to safeguard financial stability is reflected in a set of rules affecting fit-and-proper requirements, an extended scope resulting from the revision of certain definitions, and new provisions regarding the establishment of third-country branches in the EU, with the aim of achieving greater regulatory harmonisation and improved supervision of this type of entity.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Although most CRR 3 provisions apply since 1 January 2025, for certain provisions the regulator has established a gradual implementation (phase-in) period until 2030 in order to give the industry sufficient time to build up the capital required to meet the requirements on a fully loaded basis.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Regarding Market Risk, the European Commission and the European Parliament have approved an additional 12-month delay to the entry into force of the new market risk capital framework, or FRTB, until 1 January 2027. Beyond this date, the CRR 3 does not allow for any further delay, as postponements are limited to two years. This delay also covers other provisions, such as the separation between the trading book and the banking book, the internal risk transfer regime, etc.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The CRR 3/CRD VI package contains 140 mandates for the EBA to develop Level 2 or Level 3 legislation (regulatory technical standards, implementing technical standards and guidelines&#x2014;RTS, ITS and GL, for their acronyms) and to issue opinions and reports to further specify certain aspects of the regulation. In this context, the EBA published its roadmap (EBA Roadmap) at the end of 2023, structuring the implementation of the banking package around four sequential phases, under which the authority will address the various mandates in an orderly manner based on their latest legal application dates (up to four years after the entry into force of CRR 3 and CRD VI). In addition, at the end of 2024, the EBA published its 2025 work programme, setting out the guidelines for addressing these mandates during the year. This has resulted in the publication of various consultations throughout the year on RTS, ITS and Guidelines, such as, for example:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Regulatory Technical Standards (RTS) on off-balance-sheet exposures and unconditionally cancellable commitments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Regulatory Technical Standards (RTS) on material changes to IRB models and model extensions&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Revision of the Guidelines on the revised definition of default&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Regulatory Technical Standards (RTS) and Implementing Technical Standards (ITS) on operational risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In its 2025 Work Programme, the EBA undertook, among other initiatives, the revision of the SREP Guidelines, the consultation for which was published on 24 October, with the aim of updating them based on three pillars: legislative changes (CRR 3 and CRD VI, IRRBB/CSRBB, DORA, etc.), lessons learned, and structural changes intended to improve the usability of the Guidelines. The consultation period was set to run until early February 2026, and following the conclusion of the consultation process, the Guidelines are expected to enter into force on 1 January 2027.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 28 July 2025, the ECB published a revised version of its Guide to Internal Models, with the objective of reflecting the regulatory changes introduced by CRR 3 in relation to internal models for credit, counterparty credit and market risk; clarifying supervisory expectations for internal models that make use of machine learning; and enhancing transparency and supervisory harmonisation. This revision builds on the experience accumulated by the ECB since the first publication of the Guide in 2019.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 25 July 2025, the ECB also published the final Guide on Options and Discretions, following a consultation process launched in November 2024. The Guide introduces clarifications and adjustments to the treatment of market risk and operational risk, as well as to the conditions under which minority interests may be included in group capital, among other aspects.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Regarding resolution regulation, institutions are required to maintain an adequate funding structure to ensure that, in the event of financial distress, they hold sufficient liabilities to absorb losses and either restore viability or be resolved while safeguarding depositor protection and financial stability. To this end, global systemically important institutions are subject to minimum loss-absorbing capacity requirements, namely Total Loss-Absorbing Capacity (TLAC) and the Minimum Requirement for own funds and Eligible Liabilities (MREL), as regulated under CRR 3 and the Bank Recovery and Resolution Directive (BRRD).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 25 October 2022, a regulation on the prudential treatment of global systemically important institutions was published, amending both the CRR and the BRRD with respect to the prudential treatment of G-SIBs with a multiple point of entry (MPE) resolution strategy, as well as the methods for the indirect subscription of eligible instruments (daisy chains) for the purpose of meeting MREL requirements. This regulation, known as the Resolution 'Quick Fix', pursues two main objectives:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The inclusion in the BRRD and CRR 3 of references to third-country subsidiaries allowing for adjustments to the deduction for holdings of TLAC instruments issued by such subsidiaries, based on excess TLAC/MREL at subsidiary level, as well as adjustments in cases where the aggregate own funds and eligible liabilities requirements of a G-SIB under an MPE strategy exceed the theoretical requirements of the same group under a single point of entry (SPE) strategy. This adjustment is therefore based on a comparison between the two possible resolution strategies.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The introduction of a deduction regime for holdings of MREL instruments through entities within the same resolution group other than the resolution entity. The Regulation establishes a deduction at the level of the intermediate entity within the daisy chain that repurchases the instruments. As a result, the intermediate entity is required to issue an equivalent amount, thereby transferring internal MREL needs to the resolution entity, which will cover them with external MREL.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In this context, in 2025 the EBA published the Final Report on the draft Implementing Technical Standards (ITS) on resolution planning, aimed at further harmonising reporting requirements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Regarding Deposit Guarantee Schemes (DGS), these are regulated under the Deposit Guarantee Schemes Directive (DGSD), which has not undergone substantial amendments since its publication in 2014. The Directive aims to harmonise DGS across Member States to ensure stability and consistency across countries. It establishes an appropriate framework to improve depositor access to DGS through a clear scope of coverage, short repayment periods, enhanced information, and robust funding requirements. The Directive has been transposed into Spanish law through Royal Decree 2606/1996, as amended by Royal Decree 1041/2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;To ensure the protection of depositors, DGS collect financial resources through contributions from their members, which must be paid at least annually. These annual contributions are determined based on the number of covered deposits and the risk profile of the institutions affiliated with the DGS. The methodology for calculating contributions is set out in the EBA Guidelines (EBA/GL/2023/02).&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In June 2025, the Council and the European Parliament reached a political agreement, which still needs to be finalized at a technical level as a prerequisite for its final formal approval.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Within the sustainability field from a prudential perspective, the implementation of the CRR 3/CRD VI package has progressed, introducing specific requirements to integrate environmental, social and governance (ESG) risks into the prudential framework. With the aim of assessing whether a specific prudential treatment is warranted, the CRR establishes three mandates: to assess the availability of ESG risk data; to evaluate the effective risk profile of exposures affected by environmental or social factors; and to analyse the potential effects on financial stability of differentiated prudential treatment, with a view to possible legislative proposals by 31 December 2026.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, the CRR 3/CRD VI package introduces disclosure requirements on ESG risks, reporting of ESG risk exposures to competent authorities, and an obligation for institutions to develop specific plans for managing financial risks arising from ESG factors, including those related to transition trends.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In this context, the EBA published in January 2025 the Guidelines on the Management of ESG Risks, fulfilling the CRD VI mandate to structurally integrate ESG risks into the European prudential framework. These Guidelines set out minimum standards and reference methodologies for the identification, measurement, management and monitoring of ESG risks, as well as their proper integration into internal governance processes, risk appetite frameworks and strategic planning. The Guidelines also specify minimum requirements for the development of transition plans, which must include metrics, quantifiable targets and time-bound milestones aligned with institutions&#x2019; sustainability strategies and prudential requirements. Their application will be mandatory from 11 January 2026, consolidating a prudential framework that strengthens the systematic consideration of ESG risks in supervisory and risk management processes.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At the international level, the Basel Committee on Banking Supervision (BCBS) has continued to advance work on ESG-related standards. In June 2025, the Committee published a voluntary framework for the disclosure of climate-related financial risks, aimed at guiding internationally active banks in the provision of qualitative and quantitative information on their exposures to physical and transition risks. The framework acknowledges the still nascent state of climate data availability, consistency and quality, and therefore adopts a flexible approach that allows for the use of different metrics and methodologies. While its adoption will depend on jurisdictional decisions, the Committee considers this framework an important step towards enhancing transparency and international comparability of climate risk disclosures and intends to monitor its implementation with a view to potential future revisions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the digital field, due to the increase in international crypto assets activities, the EU is moving forward with the integration of Basel standards on crypto-assets through the mandate set out in CRR 3, which will enable the establishment of a harmonised prudential treatment once the legislative process is completed. In fulfilment of the CRR 3 mandate, the EBA has finalised and published the draft Regulatory Technical Standards (RTS) applicable to the calculation of own funds requirements for crypto-asset exposures.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025 Grupo Santander met the minimum capital requirements established by current legislation (see note 54.d). Additionally, it should be noted that the Group has filed an appeal with the Court of Justice of the European Union (CJEU) requesting the annulment of a decision by the European Central Bank (ECB) related to the treatment of deferred tax assets generated at Banco Santander Brasil, which, if resolved favourably, would have a positive impact of approximately 20 basis points on the Group's CET1, using the amounts at the end of the year.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="ie70a1de3b55a44b49271d59845b59f5e"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;f) Environmental impact&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In view of the business activities carried on by the Group entities, the Group does not have any environmental liability, expenses, assets, provisions or contingencies that might be material with respect to its consolidated equity, financial position or results (see note 54.a).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i473fe5075f69455fbd86999117be9fde"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;g) Events after the reporting perio&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;d&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 9 January 2026, after obtaining the necessary regulatory approvals and fulfilling the conditions for closing, the Group completed the sale of 49% of the share capital of Santander Bank Polska S.A. and 50% of the share capital of Santander Towarzystwo Funduszy Inwestycyjnych S.A. (TFI, the asset management business in Poland) to Erste Group Bank AG for a total cash amount of approximately EUR 7,000 million. The transaction generated a net capital gain of approximately EUR 1,900 million, which will be recognized in the consolidated income statement for the 2026 financial year. Santander holds the 9.7% of Santander Polska's share capital. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The transaction resulted in the loss of effective control over the entity, and therefore, effective as of 9 January 2026, Santander Bank Polska S.A. will cease to be consolidated using the global integration method in the Group's consolidated financial statements from that date forward.&lt;/span&gt;&lt;/div&gt;Additionally, on 3 February 2026, Banco Santander, S.A. ('Santander') announced that it had reached an agreement to acquire Webster Financial Corporation ('Webster'), the parent company of Webster Bank, N.A., for approximately USD 12,200&#160;million (around EUR 10,300&#160;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 subject to the customary conditions for this type of operations, including obtaining the relevant regulatory approvals and the approvals of both Webster's and Santander's shareholders.</ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory>
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      id="f-1160"
      unitRef="companies">191</san:NumberOfAssociatesJointVenturesOrListedCompaniesOfWhichEntityHoldsMoreThanFivePercentInterest>
    <san:RateForWhichGroupHoldingInACompanyIsConsideredSignificantPercent contextRef="c-1" decimals="2" id="f-1161" unitRef="number">0.05</san:RateForWhichGroupHoldingInACompanyIsConsideredSignificantPercent>
    <san:DescriptionOfAccountingPolicyForBasisOfPresentationPolicyTextBlock contextRef="c-1" id="f-1162">Basis of presentation of the consolidated financial statements&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Under Regulation (EC) n.&#xba; 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').&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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, on Public and Confidential Financial Reporting Standards and Financial Statement Formats and the following regulations. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Particularly, during 2025 and 2023, the Bank of Spain published Circulars 1/2025 of 19 December of 2025, and 1/2023 of 24 February of 2023, amending Circular 4/2017 of 27 November to credit institutions on Public and Confidential Financial Reporting Standards and Financial Statement Formats.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander consolidated financial statements for 2025 were authorised by the Bank's directors (at the board meeting on 24 February 2026) in accordance with International Financial Reporting Standards as adopted by the European Union and with Bank of Spain circular 4/2017 and subsequent modifications, and Spanish corporate and commercial law applicable to the Group, using the basis of consolidation, accounting policies and measurement bases set forth in note 2, accordingly, they present fairly the Group's equity and financial position at 31 December 2025, 2024 and 2023 and the consolidated results of its operations and the consolidated cash flows in 2025, 2024 and 2023. These consolidated annual accounts have been prepared on the basis of the accounting records held by Banco Santander and by each of the other companies of the Group, and include the adjustments and reclassifications required to standardise the accounting policies and valuation criteria applied by Grupo Santander. The consolidated financial statements are also in compliance with IFRS as issued by the International Accounting Standards Board ('IFRS &#x2013; IASB' and together with IFRS adopted by the European Union, 'IFRS').&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The notes to the consolidated financial statements contain additional information to that presented in the consolidated balance sheet, consolidated income statement, consolidated statement of recognised income and expense, consolidated statement of changes in total equity and consolidated statement of cash flows. The notes provide, in a clear, relevant, reliable and comparable manner, narrative descriptions and breakdowns of these statements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The information contained in the consolidated income statement has been reclassified as a result of the change in the presentation for certain charges at 31 December 2025 in the amount of EUR 427&#160;million, mainly levies and other expenses, of which EUR 359&#160;million have been reclassified from the line item 'Other provisions' to the line item 'Other operating expenses'. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:112%"&gt;The figures of the consolidated annual accounts are presented in millions of euros unless another alternative monetary unit is indicated, rounded to the nearest million unit.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i5c5935c78f4d4dd7be2c8ba299bbc585"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;Adoption of new standards and interpretations issued&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following modifications came into force and were adopted by the European Union in 2025: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;IAS 21 Effects of changes in foreign currency exchange rates: IAS 21 established the requirements to apply when there is a temporary lack of interchangeability between two currencies, but did not give indications when this situation was not temporary. Given this scenario, IAS 21 has been modified establishing the criteria to identify these situations, specifying how entities should estimate the spot exchange rate, the methodologies and data to be considered, as well as the associated disclosure requirements. This modification was applied in advance by the Group on 31 December 2024. For more information, see Note 2.a.iv.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The application of the aforementioned amendment to accounting standards and interpretations did not have any material effects on Grupo Santander consolidated financial statements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Likewise, at the date of approval of these consolidated annual accounts, the following standards which effectively came into force have effective dates after 31 December 2025:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;padding-left:3.11pt"&gt;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. These amendments will be applicable from 1 January 2026. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%;padding-left:3.11pt"&gt;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. These modifications will be applicable form 1 January 2026. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;IFRS 18 Presentation and Disclosure in Financial Statements, which replaces IAS 1 Presentation of Financial Statements, (i) improves the comparability of the income statement by defining its structure into three categories (operating, investing, and financing) and presenting defined subtotals, including operating profit; (ii) breaks down in the financial statements certain management-defined performance measures related to the income statement; and (iii) improves the aggregation of information for disclosure in the financial statements or notes. The new standard will be applicable from 1 January 2027.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Amendments to IFRS Improvement Cycle: introduces minor amendments, effective from 1 January 2026, to the following standards:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;IFRS 1 First-time Adoption of International Financial Reporting Standards, for hedge accounting in first adoption.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;IFRS 7 Financial Instruments: Disclosures: updated references and alignment with IFRS 13, as well as clarifications in the Implementation Guidance.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;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'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;IFRS10 Consolidated Financial Statements: Determining a 'de facto agent'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;IAS 7 Statement of Cashflows: replacing the term 'cost method' with 'cost'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%"&gt;Finally, at the date of approval of these consolidated annual accounts, the following standards which effectively come into force after 31 December 2025 had not yet been adopted by the European Union:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;IFRS 19 Subsidiaries without Public Accountability: Disclosures: this new standard works alongside other IFRS Accounting Standards. An eligible subsidiary applies the requirements in other IFRS Accounting Standards except for the disclosure requirements and instead applies the reduced disclosure requirements in IFRS 19. A subsidiary is eligible if: (i) it does not have public accountability; and (ii) it has an ultimate or intermediate parent that produces consolidated financial statements available for public use that comply with IFRS Accounting Standards. Applicable from 1 January 2027. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;IFRS 19 Subsidiaries without Public Accountability: Disclosures: these new amendments help eligible subsidiaries reduce disclosures related to IFRS standards and amendments issued between February 2021 and May 2024. With these amendments, IFRS 19 reflects the IFRS changes that will take effect up to 1 January 2027, when IFRS 19 will become applicable.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Amendments to IAS 21 The effects of Changes in Foreign Exchange Rates: Translation to a Hyperinflationary Presentation Currency: establishes how to translate financial statements when the presentation currency is subject to hyperinflation. Requires converting all amounts, including comparatives, at the closing exchange rates and restating them in accordance with IAS 29. Furthermore, introduces additional disclosures to enhance comparability and reduce diversity in practice. Applicable from 1 January 2027, with early application permitted. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander is currently analyzing the possible effects of these new standards and interpretations, and unless expressly indicated otherwise, no significant impacts are expected from their application.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;During 2025, the Group completed the project to adapt its accounting policies relating to hedging transactions to the hedge accounting requirements set out in IFRS 9 (see Note 2.d.v). The main impacts of this change on the accounting for hedging relationships are primarily due to: (i) the mandatory separation of the time value of options (when the hedged risk is the intrinsic value); (ii) and the optional separation of the forward element of foreign exchange forward contracts for all hedges, as well as (iii) the separation of the foreign currency basis spread of a foreign exchange derivative for each hedging relationship. The application of these options to hedges designated before 31 December 2024 did not have a material impact on the Group's consolidated statement of financial position or consolidated profit or loss.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;All accounting policies and measurement bases with a material effect on the consolidated financial statements for 2025 were applied in the preparation of these consolidated annual accounts.&lt;/span&gt;&lt;/div&gt;</san:DescriptionOfAccountingPolicyForBasisOfPresentationPolicyTextBlock>
    <ifrs-full:ProfitLoss contextRef="c-249" decimals="-6" id="f-1163" unitRef="eur">427000000</ifrs-full:ProfitLoss>
    <ifrs-full:Provisions contextRef="c-250" decimals="-6" id="f-1164" unitRef="eur">-359000000</ifrs-full:Provisions>
    <san:OtherOperatingExpense contextRef="c-249" decimals="-6" id="f-1165" unitRef="eur">359000000</san:OtherOperatingExpense>
    <ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory contextRef="c-1" id="f-1166">Use of accounting estimates&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The consolidated results and the determination of consolidated equity are sensitive to the accounting policies, measurement bases and estimates used by Banco Santander in preparing the consolidated financial statements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The main accounting policies and measurement bases are set forth in note 2.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the consolidated financial statements estimates were occasionally made by the senior management of Grupo Santander in order to quantify certain of the assets, liabilities, income, expenses and obligations reported herein. These estimates, which were made on the basis of the best information available, relate basically to the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The impairment losses on certain assets: it applies to financial assets at fair value through other comprehensive income, financial assets at amortised cost, non-current assets held for sale, investments, tangible assets and intangible assets (see Notes 6, 7, 10, 12, 13, 16, 17, 18 and 54).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The assumptions used in the actuarial calculation of the post-employment benefit liabilities and commitments and other obligations (see Note 25).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The useful life of the tangible and intangible assets (see Notes 16 and 18).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The measurement of the impairment in goodwill arising on consolidation (see Note 17).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The calculation of provisions and the consideration of contingent liabilities (see Note 25).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The fair value of certain unquoted assets and liabilities (see Notes 6, 7, 8, 9, 10, 11, 20, 21 and 22).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The recoverability of deferred tax assets (see Note 27).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The fair value of the identifiable assets acquired and the liabilities assumed in business combinations in accordance with IFRS 3 (see Note 17).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The measurement of assets under reinsurance contracts and liabilities under insurance contracts (see Note 15).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;To update the previous estimates, the Group's management has taken into account the current macroeconomic scenario, characterized by persistent geopolitical tensions and changing financial conditions, as well as the evolution of monetary and fiscal policies in major economies. The analysis also considers developments in interest rates, credit spreads, and currency movements, along with labor market trends in the geographies where the Group operates. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group's management has evaluated in particular the uncertainties caused by the current environment 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, 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, developing in the notes the main estimates made during the period ended December 31, 2025 (see notes 10, 17, 50 and 54). &lt;/span&gt;&lt;/div&gt;Although these estimates have been made on the basis of the best information available at the end of the year 2025, and considering information updated at the date of preparation of these consolidated annual accounts, it is possible that events that may take place in the future may make it necessary to modify them (upwards or downwards) in the coming years, which would be done, if appropriate, in a prospective manner, recognising the effects of the change in estimate in the corresponding consolidated income statement.</ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory>
    <ifrs-full:ProfitLoss contextRef="c-251" decimals="-6" id="f-1167" unitRef="eur">403000000</ifrs-full:ProfitLoss>
    <ifrs-full:ProfitLoss contextRef="c-252" decimals="-6" id="f-1168" unitRef="eur">352000000</ifrs-full:ProfitLoss>
    <san:ForeignCurrencyExchangeRateChangePercentage
      contextRef="c-253"
      decimals="4"
      id="f-1169"
      unitRef="number">0.0205</san:ForeignCurrencyExchangeRateChangePercentage>
    <san:ForeignCurrencyExchangeRateChangePercentage
      contextRef="c-254"
      decimals="4"
      id="f-1170"
      unitRef="number">-0.1162</san:ForeignCurrencyExchangeRateChangePercentage>
    <san:ForeignCurrencyExchangeRateChangePercentage
      contextRef="c-255"
      decimals="4"
      id="f-1171"
      unitRef="number">-0.0047</san:ForeignCurrencyExchangeRateChangePercentage>
    <san:ForeignCurrencyExchangeRateChangePercentage
      contextRef="c-256"
      decimals="4"
      id="f-1172"
      unitRef="number">-0.3723</san:ForeignCurrencyExchangeRateChangePercentage>
    <san:ForeignCurrencyExchangeRateChangePercentage
      contextRef="c-257"
      decimals="4"
      id="f-1173"
      unitRef="number">-0.0499</san:ForeignCurrencyExchangeRateChangePercentage>
    <san:ForeignCurrencyExchangeRateChangePercentage
      contextRef="c-258"
      decimals="4"
      id="f-1174"
      unitRef="number">-0.0257</san:ForeignCurrencyExchangeRateChangePercentage>
    <san:ForeignCurrencyExchangeRateChangePercentage
      contextRef="c-259"
      decimals="4"
      id="f-1175"
      unitRef="number">0.0130</san:ForeignCurrencyExchangeRateChangePercentage>
    <san:ForeignCurrencyExchangeRateChangeInAverageRateAsPercent
      contextRef="c-253"
      decimals="4"
      id="f-1176"
      unitRef="number">-0.0895</san:ForeignCurrencyExchangeRateChangeInAverageRateAsPercent>
    <san:ForeignCurrencyExchangeRateChangeInAverageRateAsPercent
      contextRef="c-254"
      decimals="4"
      id="f-1177"
      unitRef="number">-0.0415</san:ForeignCurrencyExchangeRateChangeInAverageRateAsPercent>
    <san:ForeignCurrencyExchangeRateChangeInAverageRateAsPercent
      contextRef="c-255"
      decimals="4"
      id="f-1178"
      unitRef="number">-0.0786</san:ForeignCurrencyExchangeRateChangeInAverageRateAsPercent>
    <san:ForeignCurrencyExchangeRateChangeInAverageRateAsPercent
      contextRef="c-257"
      decimals="4"
      id="f-1179"
      unitRef="number">-0.0120</san:ForeignCurrencyExchangeRateChangeInAverageRateAsPercent>
    <san:ForeignCurrencyExchangeRateChangeInAverageRateAsPercent
      contextRef="c-258"
      decimals="4"
      id="f-1180"
      unitRef="number">-0.0490</san:ForeignCurrencyExchangeRateChangeInAverageRateAsPercent>
    <san:ForeignCurrencyExchangeRateChangeInAverageRateAsPercent
      contextRef="c-259"
      decimals="4"
      id="f-1181"
      unitRef="number">0.0156</san:ForeignCurrencyExchangeRateChangeInAverageRateAsPercent>
    <san:PositiveImpactOnCommonEquityTierOneCapitalRadio contextRef="c-1" decimals="4" id="f-1182" unitRef="number">0.0020</san:PositiveImpactOnCommonEquityTierOneCapitalRadio>
    <san:SaleOfProportionOfOwnershipInterestInSubsidiary
      contextRef="c-260"
      decimals="2"
      id="f-1183"
      unitRef="number">0.49</san:SaleOfProportionOfOwnershipInterestInSubsidiary>
    <san:SaleOfProportionOfOwnershipInterestInSubsidiary
      contextRef="c-261"
      decimals="2"
      id="f-1184"
      unitRef="number">0.50</san:SaleOfProportionOfOwnershipInterestInSubsidiary>
    <ifrs-full:ConsiderationPaidReceived contextRef="c-262" decimals="-6" id="f-1185" unitRef="eur">-7000000000</ifrs-full:ConsiderationPaidReceived>
    <san:GainsLossesOnDisposalOfSubsidiaries contextRef="c-262" decimals="-6" id="f-1186" unitRef="eur">1900000000</san:GainsLossesOnDisposalOfSubsidiaries>
    <ifrs-full:ProportionOfOwnershipInterestInSubsidiary
      contextRef="c-263"
      decimals="3"
      id="f-1187"
      unitRef="number">0.097</ifrs-full:ProportionOfOwnershipInterestInSubsidiary>
    <ifrs-full:ConsiderationPaidReceived contextRef="c-264" decimals="-6" id="f-1188" unitRef="usd">12200000000</ifrs-full:ConsiderationPaidReceived>
    <ifrs-full:ConsiderationPaidReceived contextRef="c-264" decimals="-6" id="f-1189" unitRef="eur">10300000000</ifrs-full:ConsiderationPaidReceived>
    <san:PortionOfConsiderationPaidReceivedInCashPerShare
      contextRef="c-264"
      decimals="2"
      id="f-1190"
      unitRef="usdPerShare">48.75</san:PortionOfConsiderationPaidReceivedInCashPerShare>
    <san:ConsiderationPaidReceivedInSharesPerShare
      contextRef="c-264"
      decimals="4"
      id="f-1191"
      unitRef="shares">2.0548</san:ConsiderationPaidReceivedInSharesPerShare>
    <san:ConsiderationPaidReceivedInCashPerShare
      contextRef="c-265"
      decimals="0"
      id="f-1192"
      unitRef="usdPerShare">75</san:ConsiderationPaidReceivedInCashPerShare>
    <ifrs-full:DisclosureOfMaterialAccountingPolicyInformationExplanatory contextRef="c-1" id="f-1193">&lt;div style="margin-bottom:6pt"&gt;&lt;span id="i6c87437ff51a472999bdb1c94b145450"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%"&gt;2. Accounting p&lt;/span&gt;&lt;span style="color:#ee2724;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%"&gt;olicies&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The accounting policies applied in preparing the consolidated financial statements were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i313075a9d33d42f0964c13ee80431ee7"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Foreign currency transactions&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="i32af6d7657084157bd41fbca042d4a16"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:115%"&gt;i. Presentation currency&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Banco Santander&#x2019;s functional and presentation currency is the euro. Also, the presentation currency of the Group is the euro.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="if390cf64de9b4b70a7214304d13a92d3"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Translation of foreign currency balances&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Foreign currency balances are translated to euros in two consecutive stages:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Translation of foreign currency to the functional currency (currency of the main economic environment in which the entity operates).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Translation to euros of the balances held in the functional currencies of entities whose functional currency is not the euro.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i038cd23e6ca643d4819cd5041865c4b7"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Translation of foreign currency to the functional currency&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Foreign currency transactions performed by consolidated entities (or entities accounted for using the equity method) not located in European Monetary Union ('EMU') countries are initially recognised in their respective currencies. Monetary items in foreign currency are subsequently translated to their functional currencies using the closing rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Furthermore:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Non-monetary items measured at historical cost are translated to the functional currency at the exchange rate at the date of acquisition.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Non-monetary items measured at fair value are translated at the exchange rate at the date when the fair value was determined.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Income and expenses are translated at the average exchange rates for the&#160;year for all the transactions performed during the&#160;year. When applying this criterion, the Group considers whether there have been significant changes in the exchange rates in the&#160;year which, in view of their materiality with respect to the consolidated financial statements taken as a whole, would make it necessary to use the exchange rates at the transaction date rather than the aforementioned average exchange rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The balances arising from non-hedging forward foreign currency/foreign currency and foreign currency/euro purchase and sale transactions are translated at the closing rates prevailing in the forward foreign currency market for the related maturity.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i18072ffb95a34673a45789fb5332e5c4"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Translation of functional currencies to euros&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The balances in the financial statements of consolidated entities (or entities accounted for using the equity method) whose functional currency is not the euro are translated to euros as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;-&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt"&gt;Assets and liabilities, at the closing rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;-&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt"&gt;Income and expenses, at the average exchange rates for the&#160;year.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;-&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt"&gt;Equity items, at the historical exchange rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ia47d2d78cd61478f8daf4a551a61006e"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iii. Recognition of exchange differences&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The exchange differences arising on the translation of foreign currency balances to the functional currency are generally recognised at their net amount under 'Exchange differences, net' in the consolidated income statement, except for exchange differences arising on financial instruments at fair value through profit or loss, which are recognised in the consolidated income statement without distinguishing them from other changes in fair value, and for exchange differences arising on non-monetary items measured at fair value through equity, which are recognised under 'Other comprehensive income&#x2013;Items that may be reclassified to profit or loss&#x2013;Exchange differences' except for exchange differences on equity instruments, where the option to irrevocably elect to be measured at fair value through changes in accumulated other comprehensive income, which are recognised in accumulated 'Other Comprehensive Income - Items not to be reclassified to profit or loss - Changes in fair value of equity instruments measured at fair value' through other comprehensive income (see note 29).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The exchange differences arising on the translation to euros of the financial statements denominated in functional currencies other than the euro are recognised in 'Other comprehensive income&#x2013;Items that may be reclassified to profit or loss&#x2013;Exchange differences' in the consolidated balance sheet, whereas those arising on the translation to euros of the financial statements of entities accounted for using the equity method are recognised in equity under 'Other comprehensive income&#x2013;Items that may be reclassified to profit or loss and Items not reclassified to profit or loss&#x2013;Other recognised income and expense' of investments in subsidiaries, joint ventures and associates (see note 29), until the related item is derecognised, at which time they are recognised in profit or loss.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Exchange differences arising on actuarial gains or losses when converting to euros the financial statements denominated in the functional currencies of entities whose functional currency is different from the euro are recognised under equity 'Other comprehensive income&#x2013;Items not reclassified to profit or loss&#x2013;Actuarial gains or (-) losses' on defined benefit pension plans (see note 29).&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="ie550674534bb4738b172fb9dfd58a54d"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iv. Entities located in hyperinflationary economies&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;When a subsidiary operates in a country with hyperinflationary economy, IAS 29 Financial Information in Hyperinflationary Economies is applied, which means that:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Historical cost of non-monetary assets and liabilities and of the various items of equity have to be adjusted to reflect the changes in the purchasing power of the currency due to inflation from their date of acquisition or incorporation into the consolidated balance sheet.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;The different items of the income statement are adjusted by the inflationary index since their generation, with a balancing entry in 'Other comprehensive income'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;The loss on the net monetary position is recorded in the income for the year against 'Accumulated Other comprehensive income'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;All components of the financial statements of the subsidiary are translated at the closing exchange rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The deterioration of the economic situation in Argentina over the last years caused, among other impacts, a significant increase in inflation, which by the end of 2018 had reached 48% per year (147% accumulated in three years). This led the Group to conclude that it was necessary to apply IAS 29 Financial Information in Hyperinflationary Economies to its activities in the country in question in its consolidated financial statements from that year on.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In 2024, Grupo Santander decided to apply an alternative exchange rate for the conversion of its Argentine business in the preparation of its consolidated annual accounts. This decision stemmed from the divergence observed between the official exchange rate and certain macroeconomic variables, primarily inflation, coupled with the fact that for certain transactions, such as the repatriation of dividends, the exchange rate implied in orderly transactions between market participants did not correspond to the official exchange rate. As of 31 December 2024, the alternative exchange rate used was based on the CCL dollar ('c&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:130%"&gt;ontado con liquidaci&#xf3;n'&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;), which is the exchange rate resulting from the sale in US dollars of local bonds denominated in Argentine pesos (bonds with dual peso dollar/denomination). At that date, this rate did not differ significantly from other market rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;From the second quarter of 2025, and considering the liberalization of the foreign exchange market and the elimination of restrictions on the purchase of foreign currency by individuals, and the value of this CCL dollar exchange rate did not differ significantly from other market rates and the official exchange rate, Grupo Santander started using the official exchange rate as a reference once again. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Inflation during 2025, according to the national consumer price index published by the National Statistics and Census Institute, wa&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;s 31.5% for the year (117.8% at 31 December 2024). The official exchange rate as 31 December 2025 was 1,706.38 Argentine pesos per euro (1,071.16 Argentine pesos per euro &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;at 31 December 2024). The exchange rate applied by the Group as at 31 December 2024 was 1,232.39 Argentine pesos per euro.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, no other country in which the consolidated and associated entities of Grupo Santander are located is considered to have a hyperinflati&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;onary economy in accordance with the criteria establ&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;ished in this regard by the International Financial Reporting Standards adopted by the European Union. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i84b8f9220b604b46b4cbd974862c94c9"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;v. Exposure to foreign currency risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander hedges a portion of its long-term foreign currency positions using foreign exchange derivative financial instruments (see note&#160;36). Also, the Group manages foreign exchange risk dynamically by hedging its short-term position (with a potential impact on profit or loss) in order to limit the impact of currency depreciations while optimising the cost of financing the hedges.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following tables show the sensitivity of the consolidated income statement and consolidated equity to percentage changes of &#xb1; 1% in the foreign exchange rate positions arising from investments in Grupo Santander companies with currencies other than the euro (with its hedges) and in their results (with its hedges), in which the Group maintains significant balances.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The estimated effect on the consolidated equity attributable to Grupo Santander and on consolidated profit and loss account of a 1% appreciation of the euro against the corresponding currency is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:3.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.250%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Effect&#160;on&#160;&lt;br/&gt;consolidated&#160;equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Effect&#160;on&#160;&lt;br/&gt;consolidated&#160;profit&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(135.0)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(168.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(136.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chilean peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(35.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(88.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(96.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(79.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(33.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(36.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(141.2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(144.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(175.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Polish zloty&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(25.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(48.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Argentine peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(21.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(18.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4.2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Similarly, the estimated effect on the Group&#x2019;s consolidated equity and on consolidated profit and loss account of a 1% depreciation of the euro against the corresponding currency is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:3.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.250%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Effect&#160;on&#160;&lt;br/&gt;consolidated&#160;equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Effect&#160;on&#160;&lt;br/&gt;consolidated&#160;profit&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;139.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chilean peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;89.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;98.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;144.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;147.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;179.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Polish &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;zloty&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Argentine peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The above data were obtained as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a)&#160;&#160;&#160;&#160;Effect on consolidated equity: in accordance with the accounting policy detailed in note&#160;2.a.iii, foreign exchange rate impact arising on the translation to euros of the financial statements in the functional currencies of the Group entities whose functional currency is not the euro are recognised in consolidated equity. The potential effect that a change in the exchange rates of the related currency would have on the Group&#x2019;s consolidated equity was therefore determined by applying the aforementioned change to the net value of each unit&#x2019;s assets and liabilities&#160;-including, where appropriate, the related goodwill- and by taking into consideration the offsetting effect of the hedges of net investments in foreign operations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b)&#160;&#160;&#160;&#160;Effect on consolidated profit: the effect was determined by applying the up and down movements in the average exchange rates of the&#160;year, as indicated in note&#160;2.a.ii (except in the case of Argentina, which is a hyperinflationary economy and has applied the closing exchange rate), to translate to euros the income and expenses of the consolidated entities whose functional currency is not the euro, taking into consideration, where appropriate, the offsetting effect of the various hedging transactions in place.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The estimates used to obtain the foregoing data were performed considering the effects of the changes in the exchange rate in standalone basis not considering the effect of the performance of other variables whose changes would affect equity and profit or loss, such as variations in the interest rates of the reference currencies or other market factors. Accordingly, all variables other than the exchange rate variations were kept constant with respect to their positions at 31 December 2025, 2024 and 2023.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i7e4cbf6a510148feb7d656255369d612"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Basis of consolidation&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;span id="i7ea75d2224d24132ad0d68788a875a0f"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Subsidiaries&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Subsidiaries are defined as entities over which the Bank has the capacity to exercise control. The Bank controls an entity when it is exposed, or has rights, to variable returns from its involvement with the investee and has the ability to affect those returns through its power over the investee.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The financial statements of the subsidiaries are fully consolidated with those of the Bank. Accordingly, all balances and effects of the transactions between consolidated companies are eliminated on consolidation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On acquisition of control of a subsidiary, its assets, liabilities and contingent liabilities are recognised at their acquisition-date fair values. Any positive differences between the acquisition cost and the fair values of the identifiable net assets acquired are recognised as goodwill (see note&#160;17). Negative differences are recognised in profit or loss on the date of acquisition.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, the share of third parties of Grupo Santander equity is presented under 'Non-controlling interests' in the consolidated balance sheet (see note&#160;28). Their share of the profit for the&#160;year is presented under 'Profit attributable to non-controlling interests' in the consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The results of subsidiaries acquired during the&#160;year are included in the consolidated income statement from the date of acquisition to&#160;year-end. Similarly, the results of subsidiaries for which control is lost during the year are included in the consolidated income statement from the beginning of the&#160;year to the date of disposal.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, apart from the structured consolidated entities, Grupo Santander does not control any company in which it maintains a percentage of direct participation in its share capital of less than 50% and in where other elements exist which, considered together, would grant give it decision-making power over its relevant activities. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The appendices contain significant information on the subsidiaries.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i38d586ae55fc4821b1ffac137bad82be"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Interests in joint ventures&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Joint ventures are deemed to be entities that are not subsidiaries but which are jointly controlled by two or more unrelated entities. This is evidenced by contractual arrangements whereby two or more parties have interests in entities so that decisions about the relevant activities require the unanimous consent of all the parties sharing control.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the consolidated financial statements, investments in joint ventures are accounted for using the equity method, i.e. at the Group&#x2019;s share of net assets of the investee, after taking into account the dividends received therefrom and other equity eliminations. The profits and losses resulting from transactions with a joint venture are eliminated to the extent of the Group&#x2019;s interest therein.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The appendices contain relevant information on the joint ventures.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="i91876a6de5e5419ca945e452a331186a"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iii. Associates&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Associates are entities over which Banco Santander is in a position to exercise significant influence, but not control or joint control. It is presumed that Banco Santander exercises significant influence if it holds 20% or more of the voting power of the investee.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the consolidated financial statements, investments in associates are accounted for using the equity method, with the same criteria applicable to shares in joint ventures.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;There are certain investments in entities which, although Grupo Santander owns 20% or more of their voting power, are not considered to be associates because the Group is not in a position to exercise significant influence over them. As of 31 December 2024 and 2023, the investment in Project Quasar Investments 2017, S.L. was in this situation, despite maintaining a 49% stake in the share capital. The rest of the investments are not significant for the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;There are also certain investments in associates where the Group owns less than 20% of the voting rights, as it is determined that it has the capacity to exercise significant influence over them. The impact of these companies is immaterial in the Group's consolidated financial statements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The appendices contain significant information on the associates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i9d9e2713fdf44f24b2f9f981a1485b35"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:125%"&gt;iv. Structured entities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In some cases, Grupo Santander incorporates entities, or holds ownership interests therein, to enable its customers to access certain investments, or for the transfer of risks or other purposes. Those entities are called 'structured entities' and they are characterized by the fact that since the voting, or similar power is not a key factor in deciding who controls the entity. The control is determined by using internal criteria and procedures and taking into consideration the applicable legislation, as described above. Specifically, for those entities to which this policy applies (mainly investment funds and pension funds), the Group analyses the following factors:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Percentage of ownership held by Grupo Santander; 20% is established as the general threshold.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Identification of the fund manager, and verification as to whether it is a company controlled by the Group since this could affect Grupo Santander ability to direct the relevant activities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Existence of agreements between investors that might require decisions to be taken jointly by the investors, rather than by the fund manager.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Existence of currently exercisable removal rights (possibility of removing the manager from his position), since the existence of such rights might limit the manager&#x2019;s power over the fund, and it may be concluded that the manager is acting as an agent of the investors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Analysis of the fund manager&#x2019;s remuneration regime, taking into consideration that a remuneration regime that is proportionate to the service rendered does not, generally, create exposure of such importance as to indicate that the manager is acting as the principal. Conversely, if the remuneration regime is not proportionate to the service rendered, this might give rise to an exposure that would lead the Group to a different conclusion.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;These structured entities also include the securitisation special purpose vehicles, which are consolidated in the case of the Special Purpose Vehicles (SPVs) over which, being exposed to variable yield, it is considered that the Group continues to exercise control.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The exposure associated with unconsolidated structured entities, additional to investments in the equity of investment funds (note 8), are not material with respect to the Group&#x2019;s consolidated financial statements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;span id="i0b07bb2d7be5496db27d6abd8f73d1ed"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;v. Business combinations&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;A business combination is the bringing together of two or more separate entities or economic units into one single entity or group of entities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Business combinations whereby Grupo Santander obtains control over an entity or a business are recognised for accounting purposes as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Grupo Santander measures the cost of the business combination, which is normally the consideration transferred, defined as the acquisition-date fair values of the assets transferred, the liabilities incurred to the former owners of the acquiree and the equity instruments issued, if any, by the acquirer. In cases where the amount of the consideration to be transferred has not been definitively established at the acquisition date, but rather depends on future events, any contingent consideration is recognised as part of the consideration transferred and measured at its acquisition-date fair value. Moreover, acquisition-related costs do not for these purposes form part of the cost of the business combination.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The fair values of the assets, liabilities and contingent liabilities of the acquired entity or business, including any intangible assets identified in the business combination which might not have been recognised by the acquiree, are estimated and recognised in the consolidated balance sheet; the Group also estimates the amount of any non-controlling interests and the fair value of the previously held equity interest in the acquiree.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Any positive difference between the aforementioned items is recognised as discussed in note&#160;2.m. Any negative difference is recognised under 'Negative Goodwill' recognised in the consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Goodwill is only calculated and recognised once, when control of a business or an entity is obtained.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i6a769ab0d2a443dab0214ae16c9258bb"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;vi. Changes in the levels of ownership interests in subsidiaries&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Acquisitions and disposals not giving rise to a change in control are recognised as equity transactions, and no gain or loss is recognised in the income statement and the initially recognised goodwill is not remeasured. The difference between the consideration transferred or received and the decrease or increase in non-controlling interests, respectively, is recognised in reserves.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Similarly, when control over a subsidiary is lost, the assets, liabilities and non-controlling interests and any other items recognised in 'Other Comprehensive income' of that company are derecognised from the consolidated balance sheet, and the fair value of the consideration received and of any remaining equity interest is recognised. The difference between these amounts is recognised in profit or loss.&lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_877"&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="ib580f35b45a145e6860563a14557fd91"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;c) Classification of financial instruments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;A financial instrument is any contract that gives rise to a financial asset of one entity and a financial liability or an equity instrument of another entity.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following transactions are not treated for accounting purposes as financial instruments:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Investments in associates and joint venture when accounted for using the equity method in accordance with IAS 28 (see note&#160;13).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Rights and obligations under employee benefit plans recognized in accordance with IAS 19 (see note&#160;25).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Insurance contracts and the rights and obligations directly arising from them, within the scope of IFRS 17 (see note&#160;15).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Contracts and obligations relating to employee remuneration based on own equity instruments accounted for in accordance with IFRS 2 (see note&#160;34).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;span id="i590d74e518514c8197e9c502f9837b18"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Classification of financial assets for measurement purposes&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Financial assets are classified into the various categories used for management and measurement purposes, unless they have to be presented as 'Non-current assets held for sale' or they relate to 'Cash, cash balances at central banks and other deposits on demand', 'Changes in the fair value of hedged items in portfolio hedges of interest rate risk (asset side)', 'Hedging derivatives and Investments', which are reported separately.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Classification of financial instruments: the classification criteria for financial assets depends on the business model for their management and the characteristics of their contractual flows.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander business models refer to the way in which it manages its financial assets to generate cash flows. In defining these models, the Group takes into account the following factors:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;How key entity staff are assessed and reported on the performance of the business model and the financial assets held in the business model.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The risks that affect the performance of the business model (and the financial assets held in the business model) and, specifically, the way in which these risks are managed.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The way in which business managers are remunerated.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The frequency, the calendar and volume of sales in previous years, as well as expectations of future sales and the reasons of the sales.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The analysis of the characteristics of the contractual cash flows of financial assets requires an assessment of the congruence of these flows with a basic loan agreement. The Group determines if the contractual cash flows of its financial assets that are only principal and interest payments on the outstanding principal amount at the beginning of the transaction. This analysis takes into consideration four factors (performance, contractual clauses, contractually linked products and currencies). Furthermore, among the most significant judgements used by the Group in carrying out this analysis, the following ones are included:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The return on the financial asset, in particular in cases of periodic interest rate adjustments where the term of the reference rate does not coincide with the frequency of the adjustment. In these cases, an assessment is made to determine whether or not the contractual cash flows differ significantly from the flows without this change in the time value of money, establishing a tolerance level of 5%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;When contractual clauses that may modify the cash flows of the financial asset exist, the structure of the cash flows before and after the activation of such clauses is analysed, regardless of the probability of occurrence of the contingent event. The evaluation of contractual flows of financial assets with characteristics associated with ESG (Environmental, Social and Governance) is included in this analysis. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Financial assets whose cash flows have different priority for payment due to a contractual link to underlying assets (e.g. securitization instruments or similar structures) require a look-through analysis by the Group so as to review that both the financial asset and the underlying assets are only principal and interest payments and that the exposure to credit risk of analyzed segment does not exceed the average exposure of the underlying assets of the instrument.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Depending on these factors, the financial assets classify for measurement as: (i) at amortised cost, (ii) at fair value with changes in other comprehensive income or (iii) at fair value with changes through profit and loss. IFRS 9 also establishes an option to irrevocably designate an instrument at fair value with changes in profit or loss, when doing so eliminates or significantly reduces a measurement or recognition inconsistency (sometimes referred to as 'accounting asymmetry') that would otherwise arise from measuring assets or liabilities or recognising gains and losses on different bases.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander uses the following criteria for the classification of the financial debt instruments:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Amortised cost: financial instruments managed under a business model whose objective is to hold the financial assets to collect contractual principal and interest flows. This category includes instruments for which there are no frequent or significant unjustified sales and fair value is not a key element in the management of these assets and contractual conditions they give rise to cash flows on specific dates, which are only payments of principal and interest on the outstanding principal amount. In this sense, justified sales are considered to be those related to an (i) increase in the credit risk of the asset, (ii) unanticipated funding needs (stress case scenarios) and (iii) those close to maturity . Additionally, the characteristics of its contractual flows represent substantially a 'basic financing agreement'.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Fair value with changes in other comprehensive income: financial instruments held in a business model whose objective is to collect principal and interest cash flows and the sale of these assets, where fair value is a relevant factor in their management. Additionally, the contractual cash flow characteristics substantially represent a 'basic financing agreement'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Fair value with changes in profit or loss: financial instruments included in a business model different from the above, where fair value is a key element in the management of these assets, and the contractual flows of the financial instruments do not substantially represent a 'basic financing agreement'. In this section it can be enclosed the portfolios classified under 'Financial assets held for trading', 'Non-trading financial assets mandatorily at fair value through profit or loss' and 'Financial assets at fair value through profit or loss'. In this regard, most of the financial assets presented in the category of 'Financial assets designated at value reasonable with change in results' are instruments financial services that, not being part of the portfolio of negotiation, are contracted jointly with other financial instruments that are recorded in the category of 'held for trading', and that by both are recorded at fair value with changes in results, so your record in any other category would produce accounting asymmetries.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Equity instruments will be classified at fair value under  IFRS 9, with changes in profit or loss, unless the Group decides, for non-trading assets, to classify them at fair value with changes in other comprehensive income (irrevocably) at initial recognition.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;span id="i75e15d8a121c42389acae969af7f386c"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Classification of financial assets for presentation purposes&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Financial assets are classified by nature into the following items in the consolidated balance sheet:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Cash, cash balances at Central Banks and other deposits on demand: cash balances and balances receivable on demand relating to deposits with central banks and other credit institutions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Loans and advances: includes the debit balances of all credit and loans granted by the Group, other than those represented by securities or securitized, as well as the finance lease receivables and other debit balances of a financial nature in favour of the Group such as cheques drawn on credit institutions, balances receivable from clearing houses and settlement agencies for transactions on the stock exchange and organised markets, bonds given in cash, capital calls, fees and commissions receivable for financial guarantees and debit balances arising from transactions not originating in banking transactions and services, such as the collection of rentals and similar items. They are classified, on the basis of the institutional sector to which the debtor belongs, into:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Central banks: credit of any nature, including deposits and money market transactions received from the Bank of Spain or other central banks.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Credit institutions: credit of any nature, including deposits and money market transactions, in the name of credit institutions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Customers: includes the remaining credit, including money market transactions through central counterparties.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Debt securities: bonds and other securities that represent a debt for their issuer, that that accrue interest or equivalent returns implemented in securities or in book entries.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Equity instruments: financial instruments issued by other entities, such as shares, which have the nature of equity instruments for the issuer, other than investments in subsidiaries, joint ventures or associates. Investment fund units are included in this item.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Derivatives: includes the fair value in favour of the Group of derivatives which do not form part of hedge accounting, including embedded derivatives separated from hybrid financial instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Repurchase agreements and reverse repurchase agreements: Purchases of financial instruments under a non-optional resale (repurchase) agreement at a fixed price (repos) are recognised in the consolidated balance sheet as financing granted, based on the nature of the debtor, under 'Loans and advances with central banks', 'Loans and advances to credit institutions' or 'Loans and advances to customers. Differences between the purchase and sale prices are recognised as interest over the contract term.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Changes in the fair value of hedged items in portfolio hedges of interest rate risk: this item is the balancing entry for the amounts credited to the consolidated income statement in respect of the measurement of the portfolios of financial instruments which are effectively hedged against interest rate risk through fair value hedging derivatives. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Hedging derivatives: Includes the fair value in favour of the Group of derivatives, including embedded derivatives separated from hybrid financial instruments, designated as hedging instruments in hedge accounting.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;span id="i952b7f66652e48e18b7d90035a398d34"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iii. Classification of financial liabilities for measurement purposes&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Financial liabilities are initially classified into the various categories used for management and measurement purposes, unless they have to be presented as 'Liabilities associated with non-current assets held for sale' or they relate to 'Hedging derivatives' or the changes in the fair value of hedged items in portfolio hedges of interest rate risk (liability side), which are reported separately.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In most cases, changes in the fair value of financial liabilities designated at fair value through profit or loss, caused by the entity's credit risk, are recognized in other comprehensive income, unless this treatment results in an accounting asymmetry, in which case the full effect is recognized in the profit or loss for the period.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Financial liabilities are included for measurement purposes in one of the following categories:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Financial liabilities held for trading (at fair value through profit or loss): this category includes financial liabilities incurred for the purpose of generating a profit in the near term from fluctuations in their prices, financial derivatives not designated in accounting hedging relationships, and financial liabilities arising from the outright sale of financial assets temporarily acquired or received on loan (short positions).&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Financial liabilities designated at fair value through profit or loss: financial liabilities are included in this category when they provide more relevant information, either because this eliminates or significantly reduces recognition or measurement inconsistencies (accounting mismatches) that would otherwise arise from measuring assets or liabilities or recognising the gains or losses on them on different bases, or because a group of financial liabilities or financial assets and liabilities is managed and its performance is evaluated on a fair value basis, in accordance with a documented risk management or investment strategy, and information about the group is provided on that basis to the Group&#x2019;s key management personnel. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Liabilities may only be included in this category on the date when they are incurred or originated.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Financial liabilities at amortised cost: financial liabilities, irrespective of their instrumentation and maturity, not included in any of the above-mentioned categories which arise from the ordinary borrowing activities carried on by financial institutions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ic42f3195efbe4dd89e54cecd83316288"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iv. Classification of financial liabilities for presentation purposes&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Financial liabilities are classified by nature into the following items in the consolidated balance sheet:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Deposits: includes all repayable balances received in cash by Grupo Santander, other than those instrumented as marketable securities and those having the substance of subordinated liabilities (amount of the loans received, which for credit priority purposes are after common creditors), except for the debt instruments issued. This item also includes cash bonds and cash consignments received the amount of which may be invested without restriction. Deposits are classified on the basis of the creditor&#x2019;s institutional sector into:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:2.47pt"&gt;Central banks: deposits of any nature, including credit received and money market transactions received from the Bank of Spain or other central banks.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:2.47pt"&gt;Credit institutions: deposits of any nature, including credit received and money market transactions in the name of credit institutions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:2.47pt"&gt;Customer: includes the remaining deposits, including money market transactions through central counterparties.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Marketable debt securities: includes the amount of bonds, debentures and other debt represented by marketable securities, other than those having the substance of subordinated liabilities (amount of the loans received, which for credit priority purposes are after common creditors, and includes the amount of the financial instruments issued by the Group which, having the legal nature of capital, do not meet the requirements to qualify as equity, such as certain preferred shares issued). This item includes the component that has the consideration of financial liability of the securities issued that are compound financial instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Derivatives: includes the fair value, with a negative balance for the Group, of derivatives, including embedded derivatives  separated from the host contract, which do not form part of hedge accounting.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Short positions: includes the amount of financial liabilities arising from the outright sale of financial assets acquired under reverse repurchase agreements or borrowed.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Other financial liabilities: includes the amount of payment obligations having the nature of financial liabilities not included in other items (includes, among others, the balance of lease liabilities recognized in accordance with IFRS 16), and liabilities under financial guarantee contracts, unless they have been classified as non-performing.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Repurchase agreements and reverse repurchase agreements: Sales of financial instruments under a non-optional resale (repurchase) agreement at a fixed price (repos) are recognised in the consolidated balance sheet as financing received, based on the nature of the creditor, under 'Deposits from central banks', 'Deposits from credit institutions' or 'Customer deposits'. Differences between the purchase and sale prices is recorded as interest accrued over the life of the contract, using the effective interest rate method.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Changes in the fair value of hedged items in portfolio hedges of interest rate risk: this item is the balancing entry for the amounts charged to the consolidated income statement in respect of the measurement of the portfolios of financial instruments which are effectively hedged against interest rate risk through fair value hedging derivatives.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Hedging derivatives: includes the fair value of the Group&#x2019;s liability in respect of derivatives, including embedded derivatives separated from hybrid financial instruments, designated as hedging instruments in hedge accounting.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The preference shares contingently convertible into ordinary shares eligible as Additional Tier 1 capital (PPCC) -perpetual shares, which may be repurchased by the issuer in certain circumstances, the interest on which is discretionary, and would convert into variable number of newly issued ordinary shares if the capital ratio of the Bank or its consolidated group falls below a given percentage (trigger event), as those two terms are defined in the related issue prospectuses are recognised for accounting purposes by the Group as compound instruments in accordance with IAS 32. The liability component reflects the issuer&#x2019;s obligation to deliver a variable number of shares and the equity component reflects the issuer&#x2019;s discretion in relation to the payment of the related coupons. In order to effect the initial allocation, the Group estimates the fair value of the liability as the amount that would have to be delivered if the trigger event were to occur immediately and, accordingly, the equity component, calculated as the residual amount, is zero. In view of the aforementioned discretionary nature of the payment of the coupons, they are deducted directly from equity.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Capital perpetual preference shares (PPCA), with the possibility of purchase by the issuer in certain circumstances, whose remuneration is discretionary, and which will be amortised permanently, totally or partially, in the event that the bank or its consolidated group submits a capital ratio lesser than a certain percentage (trigger event), as defined in the corresponding prospectuses, are accounted for by the Group as equity instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Derivatives embedded in other financial instruments or in other host contracts are accounted for separately as derivatives if their risks and characteristics are not closely related to those of the host contracts, provided that the host contracts are not classified as financial assets/liabilities designated at fair value through profit or loss or as 'Financial assets/liabilities held for trading'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i12d26bd077d047399b791c4737fd5e21"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;d) Measurement of financial assets and liabilities and recognition of fair value changes&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In general, financial assets and liabilities are initially recognised at fair value which, in the absence of evidence to the contrary, is deemed to be the transaction price. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In this regard, IFRS 9 states that regular way purchases or sales of financial assets shall be recognised and derecognised on the trade date or on the settlement date. Grupo Santander has opted to make such recognition on the trading date or settlement date, depending on the convention of each of the markets in which the transactions are carried out. For example, in relation to the purchase or sale of debt securities or equity instruments traded in the Spanish market, securities market regulations stipulate their effective transfer at the time of settlement and, therefore, the same time has been established for the accounting record to be made.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The fair value of instruments not measured at fair value through profit and loss is adjusted by transaction costs. Subsequently, and on the occasion of each accounting close, they are valued in accordance with the following criteria:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i6da3ee17554d4070864a7b7d72d7c40c"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Measurement of financial assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Financial assets are measured at fair value are valued mainly at their fair value without deducting any transaction cost for their sale.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The fair value of a financial instrument on a given date is taken to be the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. The most objective and common reference for the fair value of a financial instrument is the price that would be paid for it on an active, transparent and deep market (quoted price or market price). At 31 December 2025, there were no significant investments in quoted financial instruments that had ceased to be recognised at their quoted price because their market could not be deemed to be active.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;If there is no market price for a given financial instrument, its fair value is estimated on the basis of the price established in recent transactions involving similar instruments and, in the absence thereof, of valuation techniques commonly used by the international financial community, taking into account the specific features of the instrument to be measured and, particularly, the various types of risk associated with it.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;All derivatives are recognised in the balance sheet at fair value from the trade date. If the fair value is positive, they are recognised as an asset and if the fair value is negative, they are recognised as a liability. The fair value on the trade date is deemed, in the absence of evidence to the contrary, to be the transaction price. The changes in the fair value of derivatives from the trade date are recorded in the consolidated income statement. Specifically, the fair value of financial derivatives traded in organised markets included in the portfolios of financial assets or liabilities held for trading is deemed to be their daily quoted price and if, for exceptional reasons, the quoted price cannot be determined on a given date, these financial derivatives are measured using methods similar to those used to measure derivatives.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The fair value of derivatives is taken to be the sum of the future cash flows arising from the instrument, discounted to present value at the date of measurement (present value or theoretical close) using valuation techniques commonly used by the financial markets: net present value, option pricing models and other methods.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The amount of debt securities and loans and advances under a business model whose objective is to collect the principal and interest flows are valued at their amortised cost, as long as they comply with the 'SPPI' (Solely Payments of Principal and Interest) test, using the effective interest rate method in their determination. Amortised cost refers to the acquisition cost of a corrected financial asset or liability (more or less, as the case may be) for repayments of principal and the part systematically charged to the consolidated income statement of the difference between the initial cost and the corresponding reimbursement value at expiration. In the case of financial assets, the amortised cost includes, in addition, the corrections to their value due to the impairment. In the loans and advances covered in fair value hedging transactions, the changes that occur in their fair value related to the risk or the risks covered in these hedging transactions are recorded.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The effective interest rate is the discount rate that exactly matches the carrying amount of a financial instrument to all its estimated cash flows of all kinds over its remaining life. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For fixed rate financial instruments, the effective interest rate coincides with the contractual interest rate established on the acquisition date plus, where applicable, the fees and transaction costs that, because of their nature, form part of their financial return. In the case of floating rate financial instruments, the effective interest rate coincides with the rate of return prevailing in all connections until the next benchmark interest reset date.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Equity instruments and contracts related with these instruments are measured at fair value. However, in certain circumstances the Group estimates cost value as a suitable estimate of the fair value. This can happen if the recent event available information is not enough to measure the fair value or if there is a broad range of possible measures and the cost value represents the best estimates of fair value within this range.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The amounts at which the financial assets are recognised represent, in all material respects, the Group&#x2019;s maximum exposure to credit risk at each reporting date. Also, Grupo Santander has received collateral and other credit enhancements to mitigate its exposure to credit risk, which consist mainly of mortgage guarantees, cash collateral, equity instruments and personal security, assets leased out under finance lease and full-service lease agreements, assets acquired under repurchase agreements, securities loans and credit derivatives.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i089c47b8db924ec587c4a69d5a551897"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Measurement of financial liabilities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In general, financial liabilities are measured at amortised cost, as defined above, except for those included under 'Financial liabilities held for trading' and 'Financial liabilities designated at fair value through profit or loss' and financial liabilities designated as hedged items (or hedging instruments) in fair value hedges, which are measured at fair value. The changes in credit risk arising from financial liabilities designated at fair value through profit or loss are recognised in accumulated other comprehensive income, unless they generate or increase an accounting mismatch, in which case changes in the fair value of the financial liability in all respects are recognised in the income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ibfbb4be27e0e4658adbe6a8ba97a7204"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iii. Valuation techniques&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The financial instruments at fair value determined on the basis of published price quotations in active markets (level 1) include government debt securities, private-sector debt securities, derivatives traded in organised markets, securitised assets, shares, short positions and fixed-income securities issued.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In cases where price quotations cannot be observed, management makes its best estimate of the price that the market would set, using its own internal models, described in note 50. In most cases, these internal models use data based on observable market parameters as significant inputs (level 2) and, in cases, they use significant inputs not observable in market data (level 3). In order to make these estimates, various techniques are employed, including the extrapolation of observable market data. The best evidence of the fair value of a financial instrument on initial recognition is the transaction price, unless the fair value of the instrument can be obtained from other market transactions performed with the same or similar instruments or can be measured by using a valuation technique in which the variables used include only observable market data, mainly interest rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="if09e92b9825644f9b9a015a0aa4d755d"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iv. Recognition of fair value changes&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As a general rule, changes in the carrying amount of financial assets and liabilities are recognised in the consolidated income statement. A distinction is made between the changes resulting from the accrual of interest and similar items, (which are recognised under Interest income or Interest expense, as appropriate), and those arising for other reasons, which are recognised at their net amount under 'Gains/losses on financial assets and liabilities'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Adjustments due to changes in fair value arising from:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;'Financial assets at fair value with changes in other comprehensive income' are recorded temporarily, in the case of debt instruments in 'Other comprehensive income - Elements that can be reclassified to profit or loss - Financial assets at fair value with changes in other comprehensive income', while in the case of equity instruments are recorded in 'other comprehensive income - Elements that will not be reclassified to line item - Changes in the fair value of equity instruments valued at fair value with changes in other comprehensive income'. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Exchange differences on debt instruments measured at fair value with changes in other comprehensive income are recognised under 'Exchange Differences, net' of the consolidated income statement. Exchange differences on equity instruments, in which the irrevocable option of being measured at fair value with changes in other comprehensive income has been chosen, are recognised in 'Other comprehensive income - Items that will not be reclassified to profit or loss - Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Items charged or credited to 'Items that may be reclassified to profit or loss &#x2013; Financial assets at fair value through other comprehensive income' and 'Other comprehensive income &#x2013; Items that may be reclassified to profit or loss &#x2013; Exchange differences in equity' remain in the Group's consolidated equity until the asset giving rise to them is impaired or derecognised, at which time they are recognised in the consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Unrealized capital gains on financial assets at fair value through other comprehensive income classified as 'Non-current assets held for sale' because they form part of a disposal group or a discontinued operation that  are recorded in the equity balancing entry 'Other accumulated comprehensive income - Items that can be reclassified in income - Non-current assets as held for sale.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i4d94ffbbf7344ed5ade54eb8bad38462"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;v. Hedging transactions&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The objective of hedge accounting is to represent in the financial statements the effect of an entity's risk management activities when it uses financial instruments to manage exposures arising from specific risks that could affect profit or loss or other comprehensive income (in the case of investments in equity instruments for which the entity has opted to represent changes in the fair value of other comprehensive income).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As described in Note 1.b, the Group has adopted IFRS 9 for hedge accounting prospectively, while continuing to apply IAS 39 for fair value hedges in portfolios where the hedged risk is interest rate risk. This change has not resulted in any modifications to the accounting treatment of hedges designated under IAS 39, which remain unchanged in both their designation and accounting treatment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For a hedging relationship to meet the requirements set out in IFRS 9, it must meet the following conditions:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;1.&#160;&#160;&#160;&#160;Instruments that can be designated as hedging instruments include all derivative financial instruments or non-derivative financial instruments measured at fair value through profit or loss, or a combination thereof. In the case of foreign exchange risk hedges, any type of non-derivative financial instrument can also be designated, regardless of its measurement method.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;2. Items that can be designated as covered items are all those that are recognized assets or liabilities, firm commitments, highly probable anticipated transactions, and net investments abroad.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;3.&#160;&#160;&#160;&#160;At the start of coverage, a formal designation and documentation of the hedging relationship must be made, which will include the entity's risk management strategy and objective, identification of the hedging instrument and the covered item, the nature of the covered risk, the methodology for measuring effectiveness, which includes an analysis of the sources of ineffectiveness, and the coverage ratio.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The main sources of ineffectiveness based on the risk covered are:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:19.84pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a. Interest rate risk: mismatches in time horizons, principal, repricing and payment dates, time value of options, modifications in the hedged item or the hedging instrument.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:19.84pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b. Exchange rate risk: in addition to the above, the difference between the interest rates of the two currencies that represents the net cost or benefit of switching cash flows between two currencies with different interest rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;4. The hedging relationship must be effective, for which there must be an economic relationship between the hedged item and the hedging instrument, credit risk must not have a dominant effect on changes in the value of the economic relationship between the hedging instrument and the hedged item, and the hedging ratio must coincide with that used by the entity in its management.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group assesses these effectiveness requirements, at the time of designation and on each submission date, through:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The economic relationship between the hedged item and the hedging instrument is demonstrated through a qualitative test, and in the event of non-compliance, through quantitative tests that compare the market value of the hedged items&#x2014;corresponding to the hedged risk&#x2014;and the hedging instruments. Likewise, a quantitative analysis of variations in the market values of the hedging instrument and the hedged item is performed prospectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The hedge ratio is determined based on the proportion between the amount of the hedged item and the amount of the instrument actually designated by the Group in each hedging relationship.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt; The credit risk domain assessment is performed through an analysis of the credit exposure of the hedged items and the hedging instruments.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Accounting hedges are classified and recorded according to the type of risk they cover, based on the following criteria:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Fair value hedges: These are hedges against exposure to changes in the fair value of the hedged item, attributable to a specific risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The differences arising from both the hedging instruments and the hedged items (due to the hedged risk) are recognized directly in the consolidated profit and loss account.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;When the fair value hedge is discontinued, the adjustments previously recorded in the hedged item are charged to profit or loss using the effective interest rate method recalculated at the date the hedge ceases to be covered, and must be fully amortized at maturity. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In fair value hedges of interest rate risk of a portfolio of financial instruments (macro hedges), regulated by IAS 39, the gains or losses arising from the valuation of the hedging instruments are recognized directly in the consolidated profit and loss account, while the gains or losses due to changes in the fair value of the hedged amount (attributable to the hedged risk) are recognized in the consolidated profit and loss account using as a counterpart the headings 'Changes in the fair value of hedged items' of a portfolio with interest rate risk hedge (asset or liability), as appropriate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Cash flow hedges: These are hedges against exposure to changes in cash flows attributable to a specific risk associated with the hedged item.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The effective portion of the change in the value of the hedging instrument is temporarily recorded in the equity account 'Other accumulated comprehensive income - Items that may be reclassified in profit or loss - Hedging derivatives. Cash flow hedges (effective portion)' until the hedged item affects profit or loss. From that point onward, it will be recorded in the consolidated profit or loss account for the same period as the hedged item, except in cases where it is required to be included in the cost of the non-financial asset or liability, or the anticipated transactions are ultimately recognized as non-financial assets or liabilities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;When cash flow hedges are discontinued, the accumulated result of the hedging instrument recognized in the equity heading 'Other accumulated global result' (while the hedge was effective) will continue to be recognized in that heading until the hedged transaction occurs, at which time it will be recorded in profit or loss, unless it is expected that the transaction will not take place, in which case it is recorded immediately in profit or loss.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Net investment hedges of a foreign operation: This is a hedge of the amount corresponding to the reporting entity's share of the net assets of said operation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The effective portion of the hedging instrument is temporarily recorded in the equity account 'Other accumulated comprehensive income - Items that may be reclassified in profit or loss - Net investment hedges' in foreign operations until the gains or losses on the hedged item are recognized in profit or loss.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;To measure ineffectiveness, the Group compares the valuation of the hedging instrument with the valuation of the hedged item based on the hedged risk, using different methodologies such as the proxy method or the hypothetical derivative method. The ineffective portion of the cash flow and net investment hedge relationships in foreign operations is recorded directly in the consolidated profit and loss account, under the heading 'Net gains or losses from hedge accounting'. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group discontinues accounting for hedging relationships when the hedging instrument expires, is sold, or when the hedging relationship becomes ineffective because it is no longer aligned with the risk management objective. In that case, the derivative is then treated as a trading derivative.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;If a hedging relationship ceases to meet the effectiveness requirements, but the risk management objective remains, the Group will assess whether to rebalance or adjust the hedging ratio to meet the effectiveness requirements again without discontinuing the hedging relationship.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;A hedging instrument is generally designated in its entirety, as the factors contributing to its fair value are interdependent. However, IFRS 9 allows certain parts of a hedging instrument to be excluded from its fair value:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt"&gt;Separating the intrinsic value and the time value of an option and designating only the intrinsic element as the hedging instrument, which is mandatory if the intrinsic value is designated;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt"&gt;Separating the forward and spot elements of a forward contract and designating only the spot element as the hedging instrument, which will be determined for each hedging relationship. and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.48pt"&gt;Separate the foreign currency basis spread of a currency derivative and exclude it from the designation of the hedging instrument, as determined for each hedging relationship.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Separating these components will improve the effectiveness of the hedge and allows for alternative accounting treatment for the excluded component. This treatment consists of recording the changes in value under the heading 'Other accumulated comprehensive income &#x2013; Undesignated items' and recording this component in the consolidated profit or loss statement, depending on the nature of the hedged item, either over a period of time or at the time the hedged transaction occurs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, if the entity manages the credit risk of all or part of a financial instrument through the use of credit derivatives, there is the option of designating a fair value credit exposure through profit or loss, provided that the derivative matches the name and priority of the financial instrument being hedged. This designation may be made at the initial recognition of the designated financial instrument or subsequently, with the designation being documented. From its designation, fair value variations (for all its risks, not exclusively credit risk) will be recorded in the consolidated profit and loss account.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="ia49f64f506d54190ae2cf84f69d636a8"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;e) Derecognition of financial assets and liabilities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The accounting treatment of transfers of financial assets depends on the extent to which the risks and rewards associated with the transferred assets are transferred to third parties:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;1.&#160;&#160;&#160;&#160;If the Group transfers substantially all the risks and rewards to third parties unconditional -sale of financial assets, sale of financial assets under an agreement to repurchase them at their fair value at the date of repurchase, sale of financial assets with a purchased call option or written put option that is deeply out of the money, securitisation of assets in which the transferor does not retain a subordinated debt or grant any credit enhancement to the new holders, and other similar cases-, the transferred financial asset is derecognised and any rights or obligations retained or created in the transfer are recognised simultaneously.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;2.&#160;&#160;&#160;&#160;If the Group retains substantially all the risks and rewards associated with the transferred financial asset -sale of financial assets under an agreement to repurchase them at a fixed price or at the sale price plus interest, a securities lending agreement in which the borrower undertakes to return the same or similar assets, and other similar cases-, the transferred financial asset is not derecognised and continues to be measured by the same criteria as those used before the transfer. In this case, the following items are recognised:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt"&gt;An associated financial liability, which is recognised for an amount equal to the consideration received and is subsequently measured at amortised cost, unless it meets the requirements for classification under 'Financial liabilities designated at fair value through profit or loss'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt"&gt;The income from the transferred financial asset not derecognised and any expense incurred on the new financial liability, without offsetting.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;3.&#160;&#160;&#160;&#160;If the Group neither transfers nor retains substantially all the risks and rewards associated with the transferred financial asset -sale of financial assets with a purchased call option or written put option that is not deeply in or out of the money, securitisation of assets in which the transferor retains a subordinated debt or other type of credit enhancement for a portion of the transferred asset, and other similar cases- the following distinction is made:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt"&gt;If the transferor does not retain control of the transferred financial asset, the asset is derecognised and any rights or obligations retained or created in the transfer are recognised.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt"&gt;If the transferor retains control of the transferred financial asset, it continues to recognise it for an amount equal to its exposure to changes in value and recognises a financial liability associated with the transferred financial asset. The net carrying amount of the transferred asset and the associated liability is the amortised cost of the rights and obligations retained, if the transferred asset is measured at amortised cost, or the fair value of the rights and obligations retained, if the transferred asset is measured at fair value.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Accordingly, financial assets are only derecognised when the rights to the cash flows they generate have expired or when substantially all the inherent risks and rewards have been transferred to third parties. Similarly, financial liabilities are only derecognised when the obligations they generate have been extinguished or when they are acquired with the intention either to cancel them or to resell them.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Regarding contractual modifications of financial assets, Grupo Santander distinguishes two main categories depending on whether the new conditions result in the disposal of the asset (and recognition of a new one) or imply the continuation of the original instrument with the new modified terms:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Contractual modifications for commercial or market reasons, which are generally carried out at the request of the debtor to apply current market conditions to the debt. The new contract is considered a new transaction and, consequently, it is necessary to derecognize the original financial asset and recognize a new financial asset subject to the classification and measurement requirements established by IFRS 9. The new financial asset will be recorded at fair value and, if applicable, the difference between the carrying amount of the asset derecognized and the fair value of the new asset will be recognized in profit or loss.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Modifications due to refinancing or restructuring, in which the payment conditions are modified to allow a customer that is experiencing financial difficulties (current or foreseeable) to meet its payment obligations and that, if such modification had not been made, it would be reasonably certain that it would not be able to meet such payment obligations. In this case, the modification does not result in the derecognition of the financial asset, but rather the original financial asset is maintained and does not require a new assessment of its classification and measurement. When assessing credit impairment, the current credit risk (considering the modified cash flows) should be compared with the credit risk at initial recognition. The gross carrying amount of the financial asset (the present value of the renegotiated or modified contractual cash flows that are discounted at the original effective interest rate of the financial asset) should be recalculated, with a gain or loss recognized in profit or loss for the difference.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="iaaa27801cc5242f2a6e268d5b23d0dbd"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;f) Offsetting of financial instruments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Financial asset and liability balances are offset, i.e. reported in the consolidated balance sheet at their net amount, only if the Group entities currently have a legally enforceable right to set off the recognised amounts and intend either to settle on a net basis, or to realise the asset and settle the liability simultaneously.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i4fc50b0f810d4658b2502f39b387158a"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;g) Impairment of financial assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;span id="i283af405fc7c4a24b838197c064ca2fd"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Definition&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander associates an impairment in the value to financial assets measured at amortised cost, debt instruments measured at fair value with changes in other comprehensive income, lease receivables, assets from contracts and loan commitments and the financial guarantees issued that are not measured at fair value through profit or loss.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The impairment for expected credit losses is recorded with a charge to the consolidated income statement for the period in which the impairment arises. In the event of occurrence, the recoveries of previously recognised impairment losses are recorded in the consolidated income statement for the period in which the impairment no longer exists or is reduced.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the case of purchased or originated credit-impaired assets, the Group only recognizes at the reporting date the changes in the expected credit losses during the life of the asset since the initial recognition as a credit loss. In the case of assets measured at fair value with changes in other comprehensive income, the changes in the fair value due to expected credit losses are charged in the consolidated income statement of the year where the change happened, reflecting the rest of the valuation in other comprehensive income.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As a rule, the expected credit loss is estimated as the difference between the contractual cash flows to be recovered and the expected cash flows discounted using the original effective interest rate. In the case of purchased or originated credit-impaired assets, this difference is discounted using the effective interest rate adjusted by credit rating.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Depending on the classification of financial instruments, which is mentioned in the following sections, the expected credit losses may be along 12 months or during the life of the financial instrument:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;12-month expected credit losses: arising from the potential default events, as defined in the following sections that are estimated to be likely to occur within the 12 months following the reporting date. These losses will be associated with financial assets classified as 'normal risk' as defined in the following sections.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Expected credit losses over the life of the financial instrument: arising from the potential default events that are estimated to be likely to occur throughout the life of the financial instruments. These losses are associated with financial assets classified as 'normal risk under watchlist' or 'doubtful risk'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;With the purpose of estimating the expected life of the financial instrument all the contractual terms have been taken into account (e.g. prepayments, duration, purchase options, etc.), being the contractual period (including extension options) the maximum period considered to measure the expected credit losses. In the case of financial instruments with an uncertain maturity period and a component of undrawn commitment (e.g.: credit cards), the expected life is estimated through quantitative analyses to determine the period during which the entity is exposed to credit risk, also considering the effectiveness of management procedures that mitigate such exposure (e.g. the ability to unilaterally cancel such financial instruments, etc.).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following constitute effective guarantees:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a)&#160;&#160;&#160;&#160;Mortgage guarantees on housing as long as they are first duly constituted and registered in favour of the entity. The properties include:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;i.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:9.97pt"&gt;Buildings and building elements, distinguishing among:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Houses.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Offices, stores and multi-purpose premises.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Rest of buildings such as non-multi-purpose premises and hotels.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;ii.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:7.94pt"&gt;Urban and developable ordered land.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;iii.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.91pt"&gt; Rest of properties that classify as: buildings and building elements under construction, such as property development in progress and halted development, and the rest of land types, such as rustic lands.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b)&#160;&#160;&#160;&#160;Collateral guarantees on financial instruments in the form of cash deposits, debt securities or equity instruments issued by creditworthy issuers.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;c)&#160;&#160;&#160;&#160;Other types of real guarantees, including properties received in guarantee and second and subsequent mortgages on properties, as long as the entity demonstrates its effectiveness. When assessing the effectiveness of the second and subsequent mortgages on properties the entity will implement particularly restrictive criteria. It will take into account, among others, whether the previous charges are in favour of the entity itself or not and the relationship between the risk guaranteed by them and the property value.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;d)&#160;&#160;&#160;&#160;Personal guarantees, as well as the incorporation of new owners, covering the entire amount of the financial instruments and implying direct and joint liability to the entity of persons or other entities whose solvency is sufficiently proven to ensure the repayment of the loan on the agreed terms.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The different aspects that the Group considers for the evaluation of effective guarantees are set out below in relation to the individual analysis.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i31f6193db9db45db9ab2d4646cdb5ac2"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Financial instruments presentation&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For the purposes of estimating the impairment amount, and in accordance with its internal policies, the Group classifies its financial instruments (financial assets, commitments and guarantees) measured at amortised cost or fair value through other comprehensive income in one of the following categories:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Normal Risk ('stage 1'): includes all instruments that do not meet the requirements to be classified in the rest of the categories.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Normal risk under watchlist ('stage 2'): includes all instruments that, without meeting the criteria for classification as doubtful or default risk, have experienced significant increases in credit risk since initial recognition.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In order to determine whether a financial instrument has increased its credit risk since initial recognition and is to be classified in stage 2, the Group considers the following criteria:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:79.147%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Quantitative criteria&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the risk of a default occurring through the expected life of the financial instrument are analysed and quantified with respect to its credit level in its initial recognition.&lt;br/&gt;&lt;/span&gt;&lt;span style="font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&lt;br/&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;With the purpose of determining if such changes are considered as significant, with the consequent classification into stage 2, each Group unit has defined the quantitative thresholds to consider in each of its portfolios taking into account corporate guidelines ensuring a consistent interpretation in all units.&lt;br/&gt;&lt;/span&gt;&lt;span style="font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&lt;br/&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Within the quantitative thresholds, two types are considered: A relative threshold is those that compare current credit quality with credit quality at the time of origination in percentage terms of change. In addition, an absolute threshold compares both references in total terms, calculating the difference between the two. These absolute/relative concepts are used homogeneously (with different values) in all geographies. The use of one type of threshold or another (or both) is determined in accordance with the process described in note 54, below, and is marked by the type of portfolio and characteristics such as the starting point of the average credit quality of the portfolio.&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Qualitative criteria&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-top:2pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:110%"&gt;In addition to the quantitative criteria indicated, various indicators are used that are aligned with those used by the Group in the normal management of credit risk. Irregular positions of more than 30 days and renewals are common criteria in all Group units. In addition, each unit can define other qualitative indicators, for each of its portfolios, according to the particularities and normal management practices in line with the policies currently in force (i.e. use of management alerts, etc.).&lt;br/&gt;The use of these qualitative criteria is complemented with the use of an expert judgement, under the corresponding governance.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the case of forbearances, instruments classified as 'normal risk under watchlist' may be generally reclassified to 'normal risk' in the following circumstances: at least two years have elapsed from the date of reclassification to that category or from its forbearance date, the client has paid the accrued principal and interest balance, and the client has no other instruments with more than 30 days past due balances.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Doubtful Risk ('stage 3'): includes financial instruments, overdue or not, in which, without meeting the circumstances to classify them in the category of default risk, there are reasonable doubts about their total repayment (principal and interests) by the client in the terms contractually agreed. Likewise, off-balance-sheet exposures whose payment is probable and their recovery doubtful are considered in stage 3. Within this category, two situations are differentiated:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Doubtful risk for non-performing loans: financial instruments, irrespective of the client and guarantee, with balances more than 90 consecutive days on material arrears for principal, interest or expenses contractually agreed. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This category also includes all loan balances for a client  when the operations with more than 90 consecutive days on material arrears are greater than 20% of the amounts pending collection. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;These instruments may be reclassified to other categories if, as a result of the collection of part of the past due balances, the reasons for their classification in this category do not remain and the client does not have balances more than 90 consecutive days on material arrears in other loans.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Doubtful risk for reasons other than non-performing loans: this category includes doubtful recovery financial instruments that are not more than 90 consecutive days on material arrears.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander considers that a financial instrument to be doubtful for reasons other than delinquency when one or more combined events have occurred with a negative impact on the estimated future cash flows of the financial instrument. To this end, the following indicators, among others, are considered:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.31pt"&gt;Negative net equity or decrease because of losses of the client's net equity by at least 50% during the last financial year.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.01pt"&gt;Continued losses or significant decrease in revenue or, in general, in the client's recurring cash flows.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;c)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.92pt"&gt;Generalised delay in payments or insufficient cash flows to service debts.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;d)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.01pt"&gt;Significantly inadequate economic or financial structure or inability to obtain additional financing by the client.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;e)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.25pt"&gt;Existence of an internal or external credit rating showing that the client is in default.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;f)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.73pt"&gt;Existence of overdue customer commitments with a significant amount to public institutions or employees.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;These financial instruments may be reclassified to other categories if, as a result of an individualised study, reasonable doubts do not remain about the total repayment under the contractually agreed terms and the client does not have balances of 90 days on material arrears.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the case of forbearances, instruments classified as doubtful risk may be reclassified to the category of 'normal risk under watchlist' when the following circumstances are present: a minimum period of one year has elapsed from the forbearance date, the client has paid the accrued principal and interest amounts, and the client has no other loan balances of 90 days on material arrears.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Default Risk: includes all financial assets, or part of them, for which, after an individualised analysis, their recovery is considered remote due to a notorious and irrecoverable deterioration of their solvency.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In any event, except in the case of financial instruments with effective collateral covering a substantial portion of the transaction amount, the Group generally consider as remote the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:18pt;text-indent:-6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;- Those operations that, after an individualized analysis, are categorized as unsustainable debt, assuming an irrecoverability of such debt.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:18pt;text-indent:-6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;- Transactions classified as doubtful due to non-performing loans with recovery costs that exceed the amounts receivable.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:18pt;text-indent:-6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;- The operations on which the award is executed. The queue of these operations shall be included under default risk, as the recovery of the flows, provided that no further guarantees associated with the operation remain after the award of the property.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:18pt;text-indent:-6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;- Those operations on which a deduction is made, the portion of the operation corresponding to that deduction, will be given as a balance at the time of signature.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;A financial asset amount is maintained in the balance sheet until they are considered as a 'default risk', either all or a part of it, and the write-off is registered against the balance sheet.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the case of operations that have only been partially derecognised, for forgiveness reasons or because part of the total balance is considered unrecoverable, the remaining amount shall be fully classified in the category of 'doubtful risk', except where duly justified.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The classification of a financial asset, or part of it, as a 'default risk' does not involve the disruption of negotiations and legal proceedings to recover the amount.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="iccd172da29b94981aac9cadfebbc7e65"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iii. Impairment valuation assessment&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander has policies, methods and procedures in place to hedge its credit risk, both due to the insolvency attributable to counterparties and its residence in a specific country. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;These policies, methods and procedures are applied in the concession, study and documentation of financial assets, commitments and guarantees, as well as in the identification of their impairment and in the calculation of the amounts needed to cover their credit risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The impairment represents the best estimation of the financial assets expected credit losses at the balance sheet date, assessed both individually and collectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Individually: for the purposes of estimating the provisions for credit risk arising from the insolvency of a financial instrument, the Group individually assesses impairment by estimating the expected credit losses on those financial instruments that are considered to be significant and with sufficient information to make such an estimate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Therefore, this classification mostly includes wholesale banking customers &#x2014;Corporations, specialised financing&#x2014; as well as some of the largest companies &#x2014;Chartered and real estate developers&#x2014; from retail banking. The determination of the perimeter in which the individualised estimate is applied is detailed in a later section.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The individually assessed impairment estimate is equal to the difference between the gross carrying amount of the financial instrument and the estimated value of the expected cash flows receivable discounted using the original effective interest rate of the transaction. The estimate of these cash flows takes into account all available information on the financial asset and the effective guarantees associated with that asset. This estimation process is detailed below.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Collectively: the Group also assesses impairment by estimating the expected credit losses collectively in cases where they are not assessed on an individual basis. This includes, for example, loans with individuals, sole proprietors or businesses in retail banking  subject to a standardised risk management.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For the purposes of the collective assessment of expected credit losses, the Group has consistent and reliable internal models. For the development of these models, instruments with similar credit risk characteristics that are indicative of the debtors' capacity to pay are considered.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The credit risk characteristics used to group the instruments are, among others: type of instrument, debtor's sector of activity, geographical area of activity, type of guarantee, aging of past due balances and any other factor relevant to estimating the future cash flows.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander performs retrospective and monitoring tests to evaluate the reasonableness of the collective estimate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On the other hand, the methodology required to estimate the expected credit loss due to credit events is based on an unbiased and weighted consideration by the probability of occurrence of a series of scenarios, considering a range of three to five possible future scenarios, depending on the characteristics of each unit, which could have an impact on the collection of contractual cash flows, always taking into account the time value of money, as well as all available, reasonable and sustainable information on past events, current conditions and forecasts of the evolution of macroeconomic scenarios that are shown to be relevant for the estimation of this amount (for example: GDP (Gross Domestic Product), housing price, unemployment rate, etc.).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The estimation of expected losses requires expert judgment and the support of historical, current and future information. The probability of loss is measured considering past events, the present situation and future trends of macroeconomic scenarios.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander uses forward-looking information in both internal risk management and prudential regulation processes, so that for the calculation of the impairment loss allowance, various scenarios are incorporated that take advantage of the experience with such information, thus ensuring consistency in obtaining the expected loss.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The complexity of the estimation in this exercise has been derived from the current macroeconomic scenario as a consequence of the complex geopolitical situation, as well changes in inflations levels and interest rates, which has generated uncertainty in economic evolution.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander has internally ensured the criteria to be followed for guarantees received from government bodies, both through credit lines and other public guarantees, so that when they are adequately reflected in each of the contracts, they are recognised as mitigating factors of the potential expected losses, and therefore of the provisions to be recognised, based on the provisions of the applicable standard (IFRS 9 Par. B5.5.55). Furthermore, where applicable, these guarantees are appropriately reflected in the mitigation of the significant increase in risk, considering their nature as personal guarantees.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For the estimation of the parameters used in the estimation of impairment provisions -EAD (exposure at default), PD (probability of default), LGD (loss given default)-, the Group based its experience in developing internal models for the estimation of parameters both in the regulatory area and for management purposes, adapting the development of the impairment provision models under IFRS 9.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Exposure at default: is the amount of estimated risk incurred at the time of the counterparty's analysis.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Probability of default: is the estimated probability that the counterparty will default on its principal and/or interest payment obligations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Loss given default: is the estimate of the severity of the loss incurred in the event of non-compliance. It depends mainly on the updating of the guarantees associated with the operation and the future cash flows that are expected to be recovered.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In any case, when estimating the flows expected to be recovered, portfolio sales are included. It should be noted that due to the Group's recovery policy and the experience observed in relation to the prices of past sales of assets classified as stage 3 and/or default risk, there is no substantial divergence between the flows obtained from recoveries after performing recovery management of the assets with those obtained from the sale of portfolios of assets discounting structural expenses and other costs incurred.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The definition of default implemented by the Group for the purpose of calculating the impairment provision models is based on the definition in Article 178 of Regulation 575/2013 of the European Union (CRR), which is fully aligned with the requirements of IFRS 9, which considers that a 'default' exists in relation to a specific customer/contract when at least one of the following circumstances exists: the entity considers that there are reasonable doubts about the payment of all its credit obligations or that the customer/contract is in an irregular situation for more than 90 consecutive days past due material balances with respect to any significant credit obligation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander aligned partially and voluntarily during 2022 the accounting definition of Stage 3, as well as the calculation of impairment provision models, to the New Definition of Default, incorporating the criteria defined by the EBA in its implementation guide of the definition of default, capturing the economic deterioration of the operations (days in default - on a daily basis - and materiality thresholds - minimum amount in arrears). The alignment of criteria was done taking into account the criteria of IFRS 9 as well as the accounting principles of unbiased presentation of financial information. Grupo Santander registered an increase in the default rate at around 19 basis points, with no material impact on the provision figures for credit risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, the Group considers the risk generated in all cross-border transactions due to circumstances other than the usual commercial risk of insolvency (sovereign risk, transfer risk or risks arising from international financial activity, such as wars, natural catastrophes, balance of payments crisis, etc.).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;IFRS 9 includes a series of practical solutions that can be implemented by entities, with the aim of facilitating its implementation. In order to achieve a complete and high-level implementation of the standard, and following the best practices of the industry, the Group applies these practical solutions adapting them to their own characteristics and circumstances:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Rebuttable presumption that the credit risk has increased significantly, when payments are more than 30 days past due: this threshold is used as an additional, but not primary, indicator of significant risk increase. &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Assets with low credit risk at the reporting date: the Group adopts this practice prioritizing its reduced and punctual use and its systematic and periodic justification through quantitative evidence. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This information is provided in more detail in note 54.b.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i9c52c0a773f8484bac5280424038dcc7"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iv. Detail of individual estimate of impairment&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For the individual estimate of the assessment for impairment of the financial asset, the Group has a specific methodology to estimate the value of the cash flows expected to be collected:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Recovery through the debtor's ordinary activities (going approach).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Recovery through the execution and sale of the collateral guaranteeing the operations (gone approach).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Gone approach:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a. Evaluation of the effectiveness of guarantees&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander assesses the effectiveness of all the guarantees associated considering the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The time required to execute these guarantees.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Grupo Santander's ability to enforce or assert these guarantees in its favour.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The existence of limitations imposed by each local unit&#xb4;s regulation on the foreclosure of collateral.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Under no circumstances the Group considers that a guarantee is effective if its effectiveness depends substantially on the solvency of the debtor, as could be the case:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Promises of shares or other securities of the debtor himself when their valuation may be significantly affected by a debtor's default.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Personal cross-collateralisation: when the guarantor of a transaction is, at the same time, guaranteed by the holder of that transaction.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The different types of effective guarantees have been detailed in section i. Definition&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b. Valuation of guarantees&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander assesses the guarantees on the basis of their nature in accordance with the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Mortgage guarantees on properties associated with financial instruments, using complete individual valuations carried out by independent valuation experts and under generally accepted valuation standards. If this is not possible, alternative valuations are used with duly documented and approved internal valuation models.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Personal guarantees are valued individually on the basis of the guarantor&#xb4;s updated information.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The rest of the guarantees are valued based on current market values.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;c. Adjustments to the value of guarantees and estimation of future cash flow inflows and outflows&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander applies a series of adjustments to the value of the guarantees in order to improve the reference values:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Adjustments based on the historical sales experience of local units for certain types of assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Individual expert adjustments based on additional management information.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Likewise, to adjust the value of the guarantees, the time value of money is taken into account based on the historical experience of each of the units, estimating:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Period of adjudication.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Estimated time of sale of the asset.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, the Group takes into account all those cash inflows and outflows linked to that guarantee until it is sold:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Possible future income commitments in favour of the borrower which will available after the asset is awarded.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Estimated foreclosure costs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Asset maintenance costs, taxes and community costs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Estimated marketing or sales costs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Finally, since it is considered that the guarantee will be sold in the future, the Group applies an additional adjustment ('index forward') in order to adjust the value of the guarantees to future valuation expectations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i51a0b477e28c414aa9b7a3fe6148a03a"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;v. Impairment individual assessment scope&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander determines the perimeter over which it makes an estimate of the assessment for impairment on an individual basis based on a relevance threshold set by each of the geographical areas and the stage in which the operations are located. In general, the Group applies the individualised calculation of expected losses to the significant exposures classified in stage 3, although Banco Santander, S.A. has also extended its analyses to some of the exposures classified in stage 2.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;It should be noted that, in any case and irrespective of the stage in which their transactions are carried out, for customers who do not receive standardised treatment, a relational risk management model is applied, with individualised treatment and monitoring by the assigned risk analyst. In addition to wholesale customers (Santander Corporate &amp;amp; Investment Banking or SCIB) and large companies, this relational management model also includes other segments of smaller companies for which there is information and capacity for more personalised and expert analysis and monitoring.  As indicated in the Group's wholesale credit model, the individual treatment of the client facilitates the continuous updating of information. The risk assumed must be followed and monitored throughout its life cycle, enabling anticipation and action to be taken in the event of possible impairments. In this way, the customer's credit quality is analysed individually, taking into account specific aspects such as his competitive position, financial performance, management, etc. In the wholesale risk management model, every customer with a credit risk position is assigned a rating, which has an associated probability of customer default. &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Thus, individual analysis of the debtor triggers a specific rating for each customer, which determines the appropriate parameters for calculating the expected loss, so that it is the rating itself that initially modulates the necessary coverage, adjusting the severity of the possible loss to the guarantees and other mitigating factors that the customer may have available. In addition, if as a result of this individualised monitoring of the customer, the analyst finally considers that his coverage is not sufficient, he has the necessary mechanisms to adjust it under his expert judgement, always under the appropriate governance.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i0fd588b877bf487e8eb78d75630d1597"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%"&gt;h) 'Non-current assets' and 'liabilities associated with non-current assets held for sale'&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Non-current assets held for sale' includes the carrying amount of individual items, disposal groups or items forming part of a business unit earmarked for disposal (discontinued operations), whose sale in their present condition is highly likely to be completed within one&#160;year from the reporting date. Therefore, the recovery of the carrying amount of these items&#160;-which can be of a financial nature or otherwise- will foreseeably be effected through the proceeds from their disposal.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Specifically, property or other non-current assets received by the consolidated entities as total or partial settlement of their debtors&#x2019; payment obligations to them are deemed to be 'Non-current assets held for sale', unless the consolidated entities have decided to make continuing use of these assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;'Liabilities associated with non-current assets held for sale' includes the balances payable arising from the assets held for sale or disposal groups and from discontinued operations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;'Non-current assets and disposal groups of items that have been classified as held for sale' are generally recognised at the date of their allocation to this category and are subsequently valued at the lower of their fair value less costs to sell or its book value. 'Non-current assets and disposal groups of items that are classified as held for sale' are not amortised as long as they remain in this category.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The valuation of the portfolio of non-current assets held for sale has been made in compliance with the requirements of International Financial Reporting Standards in relation to the estimate of the fair value of tangible assets and the value-in-use of financial assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The value of the portfolio is determined as the sum of the values of the individual elements that compose the portfolio, without considering any total or batch grouping in order to correct the individual values.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For the purposes of its consideration in initial recognition, the Group obtains, at the time of award, the fair value of the corresponding asset by requesting an appraisal from external valuation agencies.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander has in place a corporate policy that ensures the professional competence and the independence and objectivity of the external appraisal agencies, in accordance with the regulations, which require appraisal agencies to meet independence, neutrality and credibility requirements, so that the use of their estimates does not reduce the reliability of its valuations. &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This policy establishes that all the appraisal companies and agencies with which the Group works in Spain should be registered in the Official Register of the Bank of Spain and that the appraisals performed by them should follow the methodology established in Order ECO/805/2003, of 27 March. The main appraisal companies and agencies with which the Group worked in Spain in 2025 are as follows: Tinsa Tasaciones Inmobiliarias, S.A.U., Sociedad de Tasaci&#xf3;n, S.A., Global Valuation, S.A.U., Instituto de Valoraciones, S.A., Euroevaluaciones, S.A. and Valoraciones Mediterr&#xe1;neo, S.A. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Also, this policy establishes that the various subsidiaries abroad work with appraisal companies that have recent experience in the area and the type of asset under appraisal and meet the independence requirements established in the corporate policy. They should verify, inter alia, that the appraisal company is not a party related to the Group and that its billings to the Group in the last twelve&#160;months do not exceed 15% of the appraisal company&#x2019;s total billings.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025 the fair value less costs to sell of non-current assets held for sale exceeded their carrying amount by EUR 551 million (EUR 553 million at 31 December 2024); however, in accordance with the accounting standards, this unrealised gain could not be recognised.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Banco Santander, in compliance with Bank of Spain Circular 4/2017, and subsequent amendments, on public and private financial reporting standards and financial statement models, has developed a methodology that enables it to estimate the fair value and costs of sale of assets foreclosed or received in payment of debts. This methodology is based on the classification of the portfolio of foreclosed assets into different segments. Segmentation enables the intrinsic characteristics of Banco Santander's portfolio of foreclosed assets to be differentiated, so that assets with homogeneous characteristics are grouped by segment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Thus, the portfolio is segmented into (i) finished assets of a residential and tertiary nature, (ii) developments in progress and (iii) land.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline"&gt;1&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%"&gt;In determining the critical segments in the overall portfolio, assets are classified on the basis of the nature of the asset and its stage of development. This segmentation is made in order to seek the liquidation of the asset (which should be carried out in the shortest possible time).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;When making decisions, the situation and/or characteristics of the asset are fundamentally taken into account, as well as the evaluation of all the determining factors that favour the recovery of the debt. For them, the following aspects are analyzed, among others:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The time that has elapsed since the adjudication.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The transferability and contingencies of the foreclosed asset.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The economic viability from the real estate point of view with the necessary investment estimate.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The expenses that may arise from the marketing process.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The offers received, as well as the difficulties in finding buyers.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the case of real estate assets foreclosed in Spain, which represent 76% of the Group&#x2019;s total non-current assets held for sale, the valuation of the portfolio is carried out by applying the following models:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Market Value Model used in the valuation of finished properties of a residential nature (mainly homes and car parks) and properties of a tertiary nature (offices, commercial premises and multipurpose buildings). For the valuation of finished assets whose availability for sale is immediate, a market sale value provided by a third party external to Banco Santander is considered, calculated under the AVM methodology by the comparable properties method adjusted by our experience in selling similar assets, given the term, price, volume, trend in the value of these assets and the time elapsing until their sale and discounting the estimated costs of sale.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The market value is determined on the basis of the definition established by the International Valuation Standards drawn up by the IVSC (International Valuation Standards Council), understood as the estimated amount for which an asset or a liability should be exchanged on the measurement date between a willing buyer and a willing seller, in an arm's length transaction, after appropriate marketing, and in which the parties have acted with sufficient information, prudently and without coercion.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The current market value of the properties is estimated on the basis of automated valuations obtained by taking comparable properties as a reference; simulating the procedure carried out by an appraiser in a physical valuation according to Order ECO 805/2003: selection of properties and obtaining the unit value by applying homogenisation adjustments. The selection of the properties is carried out by location within the same real estate cluster and according to the characteristics of the properties, filtering by type&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline"&gt;2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;, surface area range and age. The model enables a distinction to be made within the municipality under study as to which areas are similar and comparable and therefore have a similar value in the property market, discriminating between which properties are good comparators and which are not.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Adjustments to homogenize the properties are made according to: (i) the age of the property according to the age of the property to be valued, (ii) the deviation of the built area from the common area with respect to the property to be valued and (iii) by age of the date of capture of the property according to the price evolution index of the real estate market.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, for individually significant assets, complete individual valuations are carried out, including a visit to the asset, market analysis (data relating to supply, demand, current sale or rental price ranges and supply-demand and revaluation expectations) and an estimate of expected income and costs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;1. The assets in a situation of 'stopped development' are included under 'land&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:9.07pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;2. Assets qualified as protected housing are taken into account. The maximum legal value of these assets is determined by the VPO module, obtained from the result of multiplying the State Basic Module (MBE) by a zone coefficient determined by each autonomous community. To carry out the valuation of a protected property, the useful surface area is used in accordance with current regulations.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%"&gt;For this segmentation of assets, when they are completed, the real costs are known and the actual expenses for the marketing and sale of the asset must be taken into account. Therefore, Banco Santander uses the actual costs in its calculation engine or, failing that, those estimated on the basis of its observed experience.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Market Value Model according to Evolution of Market Values used to update the valuation of developments in progress. The valuation model estimates the current market value of the properties based on complete individual valuations by third parties, calculated from the values of the feasibility studies and development costs of the promotion, as well as the selling costs, distinguishing by location, size and type of property. The inputs used in the valuation model for residential assets under construction are actual revenues and costs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For this purpose, in order to calculate the investment flows, Banco Santander considers, on the basis of the feasibility studies, the expenditure required for construction, the professional fees relating to the project and to project management, the premiums for mandatory building insurance, the developer's administrative expenses, licenses, taxes on new construction and fees, and urban development charges.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;With respect to the calculation of income flows, Banco Santander takes into account the square metres built, the number of homes under construction and the estimated selling price over 1.5 years.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The market value will be the result of the difference between the income flows and the investment flows estimated at each moment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Land Valuation model. The methodology followed by the Group regarding land valuation consists of updating the individual reference valuation of each of the land on an annual basis, through updated valuation valuations carried out by independent professionals and following the methodology established in the Order ECO/805/2003, of 27 March, whose main verifications in the case of land valuation, regardless of the degree of urbanisation of the land, correspond to:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Visual verification of the assessed property.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Registry description.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Urban planning.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Visible easements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Visible state of occupation, possession, use and exploitation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Protection regime.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Apparent state of preservation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Correspondence with cadastral property.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Existence of expropriation procedure, expropriation plan or project, administrative resolution or file that may lead to expropriation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Expiry of the urbanization or building deadlines.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Existence of a procedure for failure to comply with obligations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Verification of surfaces.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For the purposes of valuation, the land will be classified in the following levels:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Level I: It will include all the lands that do not belong to level II.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Level II: It shall include land classified as undeveloped where building is not allowed for uses other than agriculture, forestry, livestock or linked to an economic exploitation permitted by the regulations in force. Also included are lands classified as developable that are not included in a development area of urban planning or that, in such an area, the conditions for its development have not been defined.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In those cases where the Group does not have an updated reference value through an ECO valuation for the current year, we use as a reference value the latest available ECO valuation reduced or corrected by the average annual coverage ratio of the land on which we have obtained an updated reference value, through an ECO valuation. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander applies a discount to the aforementioned reference values that takes into account both the discount on the reference value in the sales process and the estimated costs of marketing or selling the land; discount on reference value = % discount on sales + % marketing costs being:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;% discount on Sales: = 100 - (sales price / updated appraisal value).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;marketing costs: calculated on the basis of our historical experience in sales and in accordance with the marketing management fees negotiated with our suppliers of this type of service.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In this way the Group obtains the corrected market value, an amount that we compare with the net cost of each piece of land to determine its correct valuation and conclude with our valuation process.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, in relation to the previously mentioned valuations, less costs to sell, are contrasted with the sales experience of each type of asset in order to confirm that there is no significant difference between the sale price and the valuation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Impairment losses on an asset or disposal group arising from a reduction in its carrying amount to its fair value (less costs to sell) are recognised under 'Gains or (losses) on non-current assets held for sale not classified as discontinued operations' in the consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The gains on a non-current asset held for sale resulting from subsequent increases in fair value (less costs to sell) increase its carrying amount and are recognised in the consolidated income statement up to an amount equal to the impairment losses previously recognised.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i9e34092d6b834964bbfc2ab45bfbad53"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;i) Assets under reinsurance contracts and Liabilities under insurance contracts&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group has prepared the accounting policy that establishes the criteria for recording insurance contracts, in accordance with IFRS 17. This standard defines insurance contracts as contracts under which one party accepts a significant insurance risk from another party by agreeing to compensate the policyholder if a specific uncertain future event negatively affects the policyholder. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;IFRS 17 requires a level of aggregation of contracts that the Group identifies in portfolios of contracts with similar risks and that are managed jointly. The Group then divides each portfolio into a minimum of three groups: (i) contracts that are onerous on initial recognition; (ii) contracts that, upon initial recognition, have no significant possibility of subsequently becoming onerous; and (iii) any remaining contract.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For contracts that are considered not to be onerous, a profit margin is recognized in the profit and loss account (referred to as 'Contractual Service Margin' or 'CSM') throughout the period in which the entity performs the service. However, if at the time of initial recognition, or during the period in which the entity performs the service, the contract is onerous, the entity recognizes the loss in the income statement. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Contract limits define the term up to which compliance cash flows must be considered in order to measure an insurance contract. Fulfilment cash flows comprise an unbiased, probability-weighted estimate of future cash flows, a discount adjustment to the present value to reflect the time value of money for monetary and financial risks, and a risk adjustment for non-fulfilment risks. financial. The identification of the contractual limit under IFRS 17 is essential not only for measuring the fulfilment cash flows of a group of contracts, but also for determining the applicable measurement model, in case the contractual limits are identified in a year or more.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Cash flows are within the contractual limit of an insurance contract if they arise from substantial rights and obligations that exist during the reporting period, in which the entity can obligate the insurance policyholder to pay premiums or in which the entity has a substantive obligation to provide services to the insured. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group has carried out an analysis of the limits of insurance and reinsurance contracts under IFRS 17, separately, generally applying the General Model (Building Block Approach) to all contracts, except those eligible to be valued by the Simplified Model (Premium Allocation Approach), or the Variable Commission Approach ('VCA' or Variable Fee Approach). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The general model measures a group of contracts as the sum of the fulfilment cash flows and the Contractual Service Margin. The CSM represents benefits not yet recorded that the entity will recognize as providing services under the insurance contract.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Insurance contracts with direct participation apply the VCA as a modified version of the General Model. This should reduce the volatility of results due to the asymmetry between the accounting treatment of the profit and losses of the underlying items attributable to the policyholders and the accounting treatment of the liability owed to those policyholders. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Another aspect considered in measuring the present value of the future cash flows of a group of insurance contracts is the discount &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;rate applied to reflect the time value of money and the financial risks related to those cash flows. The Group has established a generally chosen methodology and guarantees that the calculation components have a homogeneous basis, previously approved by the Group, establishing the base curves provided by the Group and allowing adjustments to these curves based on the expert criteria of each local address.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Likewise, measuring compliance cash flows requires a risk adjustment for non-financial risk. Risk adjustment for non-financial risk is the compensation necessary to withstand uncertainty about the amount and timing of cash flows arising from non-financial risks. If a change in the assumptions occurs, it could affect the income statement or the Other comprehensive income, depending on its nature. The risks covered by the risk adjustment for non-financial risk are insurance risk and other non-financial risks, such as interruption risk and expense risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i07112059568442ae9edf43226bafac77"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;j) Tangible assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Tangible assets includes the amount of buildings, land, furniture, vehicles, computer hardware and other fixtures owned by the consolidated entities or acquired under finance leases. Tangible assets are classified by use as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ib2f05474c0d844f49d5d7c7a377f5dc0"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Property, plant and equipment for own use&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Property, plant and equipment for own use&#160;&#x2013; including tangible assets received by the consolidated entities in full or partial satisfaction of financial assets representing receivables from third parties which are intended to be held for continuing use and tangible assets acquired under finance leases&#x2013; are presented at acquisition cost, less the related accumulated depreciation and any estimated impairment losses (carrying amount higher than recoverable amount).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Depreciation is calculated, using the straight-line method, on the basis of the acquisition cost of the assets less their residual value. The land on which the buildings and other structures stand has an indefinite life and, therefore, is not depreciated. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The annual tangible asset depreciation charge is recognised in the consolidated income statement and are essentially equivalent to the following amortization percentages (determined based on the years of estimated useful life, on average, of the different elements):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.332%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.468%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Average&lt;br/&gt;annual&#160;rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Buildings for own use&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.4&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Furniture&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fixtures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Office and IT equipment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23.6&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Lease use rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Less than the lease&lt;br/&gt;term or the useful life&lt;br/&gt;of the underlying asset&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At the end of each reporting period, consolidated entities assess whether there is any indication that the carrying amount of an asset exceeds its recoverable amount, in which case they write down the carrying amount of the asset to its recoverable amount and adjust future depreciation charges in proportion to its adjusted carrying amount and to its new remaining useful life, if the useful life needs to be re-estimated.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Similarly, if there is an indication of a recovery in the value of a tangible asset, the consolidated entities recognise the reversal of the impairment loss recognised in prior periods and adjust the future depreciation charges accordingly. In no circumstances may the reversal of an impairment loss on an asset raise its carrying amount above that which it would have if no impairment losses had been recognised in prior years.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The estimated useful lives of the items of property, plant and equipment for own use are reviewed at least at the end of the reporting period with a view to detecting significant changes therein. If changes are detected, the useful lives of the assets are adjusted by correcting the depreciation charge to be recognised in the consolidated income statement in future years on the basis of the new useful lives.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Upkeep and maintenance expenses relating to property, plant and equipment for own use are recognised as an expense in the period in which they are incurred, since they do not increase the useful lives of the assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i7a85c7851c4b4ffcb8804bcfad57748e"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Investment property&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;'Investment property' reflects the net values of the land, buildings and other structures held either to earn rentals or for obtaining profits by sales due to future increase in market prices.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The criteria used to recognise the acquisition cost of investment property, to calculate its depreciation and its estimated useful life and to recognise any impairment losses thereon are consistent with those described in relation to property, plant and equipment for own use.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the case of investment properties that support obligations to pay a return directly linked to fair value, or to the returns of certain assets including the investment property itself, such properties are measured using the fair value model.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In order to evaluate the possible impairment Grupo Santander determines periodically the fair value of its investment property so that, at the end of the reporting period, the fair value reflects the market conditions of the investment property at that date. This fair value is determined annually, taking as benchmarks the valuations performed by independent experts. The methodology used to determine the fair value of investment property is selected based on the status of the asset in question; thus, for properties earmarked for lease, the valuations are performed using the sales comparison approach, whereas for leased properties the valuations are made primarily using the income capitalisation approach and, exceptionally, the sales comparison approach.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the sales comparison approach, the property market segment for comparable properties is analysed, inter alia, and, based on specific information on actual transactions and firm offers, current prices are obtained for cash sales of those properties. The valuations performed using this approach are considered as Level 2 valuations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the income capitalisation approach, the cash flows estimated to be obtained over the useful life of the property are discounted taking into account factors that may influence the amount and actual obtainment thereof, such as: (i) the payments that are normally received on comparable properties; (ii) current and probable future occupancy; (iii) the current or foreseeable default rate on payments. The valuations performed using this approach &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;are considered as Level 3 valuations, since significant unobservable inputs are used, such as current and probable future occupancy and/or the current or foreseeable default rate on payments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i6f8e1d7c99f048ef8f1577acde4dd1f9"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iii. Assets leased out under an operating lease&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;'Property, plant and equipment'&#160;- Leased out under an operating lease reflects the amount of the tangible assets, other than land and buildings, leased out by the Group under an operating lease.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The criteria used to recognise the acquisition cost of assets leased out under operating leases, to calculate their depreciation and their respective estimated useful lives and to recognise the impairment losses thereon are consistent with those described in relation to property, plant and equipment for own use.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span id="ie2166e8db4d74270b4340a707dca0919"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;k) Accounting for leases&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The main aspects contained in the regulation (IFRS 16) adopted by the Group are included below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;When the Group acts as lessee, it recognises a right-of-use asset representing its right to use the underlying leased asset with a corresponding lease liability on the date on which the leased asset is available for use by the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Each lease payment is allocated between liability and finance charge. The finance charge is allocated to the income statement during the term of the lease in such a way as to produce a constant periodic interest rate on the remaining balance of the liability for each year.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The right-of-use asset is depreciated over the useful life of the asset or the lease term, whichever is shorter, on a straight-line basis. If the Group is reasonably certain to exercise a purchase option, the right-of-use asset is amortized over the useful life of the underlying asset. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Assets and liabilities arising from a lease are initially measured at present value. Lease liabilities include the net present value of the following lease payments:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Fixed payments (including inflation-linked payments), less any lease incentive receivable.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Variable lease payments that depend on an index or rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;The amounts expected to be paid by the lessee under residual value guarantees.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;The exercise price of a purchase option if the lessee is reasonably certain that it will exercise that option.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Lease termination penalty payments, if the term of the lease reflects the lessee's exercise of that option.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Lease payments are discounted using the interest rate implicit in the lease. When this interest rate cannot be obtained, the interest rate used in these cases, is the lessee's incremental borrowing rate at the related date. For this purpose, the entity has calculated this incremental borrowing rate taking as reference the listed debt instruments issued by the Group; in this regard, the Group has estimated different interest rate curves depending on the currency and economic environment in which the contracts are located. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In order to construct the incremental borrowing rate, a methodology has been developed at the corporate level. This &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;methodology is based on the need for each entity to consider its economic and financial situation, for which the following factors must be considered:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Economic and political situation (country risk).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Credit risk of the company.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Monetary policy.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Volume and seniority of the company&#x2019;s debt instrument issues.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The incremental borrowing rate is defined as the interest rate that a lessee would have to pay for borrowing, given a similar period to the duration of the lease and with similar security, the funds necessary to obtain an asset of similar value to the right-of-use asset in a similar economic environment. The Group entities have a wide stock and variety of financing instruments issued in different currencies to that of the euro (pound, dollar, etc.) that provide sufficient information to be able to determine an 'all in rate' (reference rate plus adjustment for credit spread at different terms and in different currencies).  In circumstances, where the leasing company has its own financing, this has been used as the starting point for determining the incremental borrowing rate. On the other hand, for those Grupo Santander entities that do not have their own financing, the information from the financing of the consolidated subgroup to which they belong was used as the starting point for estimating the entity's curve, analysing other factors to assess whether it is necessary to make any type of negative or positive adjustment to the initially estimated credit spread.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Right-of-use assets are valued at cost which includes the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;The amount of the initial measurement of the lease liability.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Any lease payment made at or before the commencement date less any lease incentive received.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Any initial direct costs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Restoration costs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group recognises the payments associated with short-term leases and leases of low-value assets on a straight-line basis as an expense in the income statement. Short-term leases are leases with a lease term less than or equal to 12 months (a lease that contains a purchase option is not a short term lease).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="idbb2cc688ae64cfe86b1fc784d379442"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;l) Intangible assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Intangible assets are identifiable non-monetary assets (separable from other assets) without physical substance which arise as a result of a legal transaction or which are developed internally by the consolidated entities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Only assets whose cost can be measured reliably and it is likely that the consolidated entities obtain future economic benefits are recognised.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Intangible assets are recognised initially at acquisition or production cost and are subsequently measured at cost less any accumulated amortisation and any accumulated impairment losses.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ia2fb0f774fdb4b1eb81bb870a8df5761"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Goodwill&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Any excess of the cost of the investments in the consolidated entities and entities accounted for using the equity method over the corresponding underlying carrying amounts acquired, adjusted at the date of first-time consolidation, is allocated as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt"&gt;If it is attributable to specific assets and liabilities of the companies acquired, by increasing the value of the assets (or reducing the value of the liabilities) whose fair values were higher (lower) than the carrying amounts at which they had been recognised in the acquired entities&#x2019; balance sheets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt"&gt;If it is attributable to specific intangible assets, by recognising it explicitly in the consolidated balance sheet provided that the fair value of these assets within twelve months following the date of acquisition can be measured reliably.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.48pt"&gt;The remaining amount is recognised as goodwill, which is allocated to one or more cash-generating units (CGU) (a cash-generating unit is the smallest identifiable group of assets that, as a result of continuing operation, generates cash inflows that are largely independent of the cash inflows from other assets or groups of assets). The cash-generating units represent the Group&#x2019;s geographical and/or business segments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Goodwill (only recognised when it has been acquired by consideration) represents, therefore, a payment made by the acquirer in anticipation of future economic benefits from assets of the acquired entity that are not capable of being individually identified and separately recognised.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At the end of each annual reporting period or whenever there is any indication of impairment goodwill is reviewed for impairment (i.e. a reduction in its recoverable amount to below its carrying amount) and, if there is any impairment, the goodwill is written down with a charge to 'Impairment or reversal of impairment on non-financial assets, net - Intangible assets' in the consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;An impairment loss recognised for goodwill is not reversed in a subsequent period.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the event of sale or departure of an activity that is part of a CGU, the part of the goodwill that can be assigned to said activity would be written-off, taking as a reference the relative value of the same over the total of the CGU at the time of sale or abandonment. If applicable, the distribution by currency of the remaining goodwill will be performed based on the relative values of the remaining activities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i225868c7bd5d45569442ef24309f1781"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Other intangible assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Other intangible assets includes the amount of identifiable intangible assets, such as purchased customer lists and computer software.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Other intangible assets can have an indefinite useful life&#160;-when, based on an analysis of all the relevant factors, it is concluded that there is no foreseeable limit to the period over which the asset is expected to generate net cash inflows for the consolidated entities- or a finite useful life, in all other cases.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Intangible assets with indefinite useful lives are not amortised, but rather at the end of each reporting period or whenever there is any indication of impairment the consolidated entities review the remaining useful lives of the assets in order to determine whether they continue to be indefinite and, if this is not the case, to take the appropriate steps.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Intangible assets with finite useful lives are amortised over those useful lives using methods similar to those used to depreciate tangible assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The intangible asset amortisation charge is recognised under 'Depreciation and amortisation' in the consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In both cases the consolidated entities recognise any impairment loss on the carrying amount of these assets with a charge to 'Impairment or reversal of impairment on non-financial assets, net - Intangible assets in the consolidated' income statement. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The criteria used to recognise the impairment losses on these assets and, where applicable, the reversal of impairment losses recognised in prior years are similar to those used for tangible assets (see note 2.k).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i89adc46db5f0489f88538dd2538c9ec3"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Internally developed computer software&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Internally developed computer software is recognised as an intangible asset if, among other requisites (basically the Group&#x2019;s ability to use or sell it), it can be identified and its ability to generate future economic benefits can be demonstrated.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Expenditure on research activities is recognised as an expense in the year in which it is incurred and cannot be subsequently capitalised into the carrying amount of the intangible asset.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="ia138a9b7d61b4fbc84d09d1c29bd2712"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;m) Other assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Other assets' in the consolidated balance sheet includes the amount of assets not recorded in other items, the breakdown being as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Inventories: this item includes the amount of assets, other than financial instruments, that are held for sale in the ordinary course of business, that are in the process of production, construction or development for such purpose, or that are to be consumed in the production process or in the provision of services. Inventories include land and other property held for sale in the property development business.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Inventories are measured at the lower of cost and net realisable value, which is the estimated selling price of the inventories in the ordinary course of business, less the estimated costs of completion and the estimated costs required to make the sale.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Any write-downs of inventories -such as those due to damage, obsolescence or reduction of selling price- to net realisable value and other impairment losses are recognised as expenses for the year in which the impairment or loss occurs. Subsequent reversals are recognised in the consolidated income statement for the year in which they occur.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The carrying amount of inventories is derecognised and recognised as an expense in the period in which the revenue from their sale is recognised.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;Other: this item includes the balance of all prepayments and accrued income (excluding accrued interest, fees and commissions), the net amount of the difference between pension plan obligations and the value of the plan assets with a balance in the entity&#x2019;s favour, when this net amount is to be reported in the consolidated balance sheet, and the amount of any other assets not included in other items.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i03d73dffb20e499cb1228d050d090469"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;n) Other liabilities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;'Other liabilities' includes the balance of all accrued expenses and deferred income, excluding those related to interests and fees on financial instruments, as well as the amount of any other liabilities not included in other categories.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i1e101615bae345fb8d7e7edf5a2d2cea"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;o) Provisions and contingent liabilities (assets)&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;When preparing the financial statements of the consolidated entities, Banco Santander makes a distinction between:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Provisions: credit balances covering present obligations at the reporting date arising from past events which could give rise to a loss for the consolidated entities, which is considered to be likely to occur and certain as to its nature but uncertain as to its amount and/or timing.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Contingent liabilities: possible obligations that arise from past events and whose existence will be confirmed only by the occurrence or non-occurrence of one or more future events not wholly within the control of the consolidated entities. They include the present obligations of the consolidated entities when it is not probable that an outflow of resources embodying economic benefits will be required to settle them. The Group does not recognise the contingent liability. The Group will disclose a contingent liability, unless the possibility of an outflow of resources embodying economic benefits is remote.   &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Irrevocable contingent payments (ICPs), corresponding to payment facilities allowed under the annual contributions of certain levies, are recorded in accordance with the definitions mentioned above. In this regard, on 14 November 2025, the Group learned that the CJEU had definitively resolved the dispute concerning the CPI contributions made by a financial institution to the Single Resolution Fund, upholding the judgment of the General Court of 25 October 2023, which ruled against said financial institution regarding its request for the return of guarantees linked to irrevocable payment commitments for a Group entity whose license had been withdrawn. In light of this ruling, it was concluded that it was not necessary to modify the accounting entries that the Santander Group has made when using these facilities to make contributions corresponding to this levy or to other similar levies that also allow for such contributions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Contingent assets: possible assets that arise from past events and whose existence is conditional on, and will be confirmed only by, the occurrence or non-occurrence of one or more uncertain future events not wholly within the control of the Group. Contingent assets are not recognised in the consolidated balance sheet or in the consolidated income statement, but rather are disclosed in the notes, provided that it is probable that these assets will give rise to an increase in resources embodying economic benefits.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander&#x2019;s consolidated financial statements include all the material provisions with respect to which it is considered that it is more likely than not the obligation will have to be settled. In accordance with accounting standards, contingent liabilities must not be recognised in the consolidated financial statements, but must rather be disclosed in the Notes.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Provisions (which are quantified on the basis of the best information available on the consequences of the event giving rise to them and are reviewed and adjusted at the end of each year) are used to cater for the specific obligations for which they were originally recognised. Provisions are fully or partially reversed when such obligations cease to exist or are reduced.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Provisions are classified according to the obligations covered as follows (see note 25):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;Provision for pensions and similar obligations: includes the amount of all the provisions made to cover post-employment benefits, including obligations to pre-retirees and similar obligations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;Provisions for contingent liabilities and commitments: include the amount of the provisions made to cover contingent liabilities&#160;-defined as those transactions in which the Group guarantees the obligations of a third party, arising as a result of financial guarantees granted or contracts of another kind- and contingent commitments&#160;-defined as irrevocable commitments that may give rise to the recognition of financial assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;Provisions for taxes and other legal contingencies and Other provisions: include the amount of the provisions recognised to cover tax and legal contingencies and litigation and the other provisions recognised by the consolidated entities. Other provisions includes, inter alia, any provisions for restructuring costs and environmental measures.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i434b4093bbce469e974155c54d75482d"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;p) Own equity instruments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Own equity instruments are those meeting both of the following conditions:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;The instruments do not include any contractual obligation for the issuer (i)&#160;to deliver cash or another financial asset to a third party; or (ii)&#160;to exchange financial assets or financial liabilities with a third party under conditions that are potentially unfavourable to the issuer.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;The instruments will or may be settled in the issuer&#x2019;s own equity instruments and are: (i)&#160;a non-derivative that includes no contractual obligation for the issuer to deliver a variable number of its own equity instruments; or (ii)&#160;a derivative that will be settled by the issuer through the exchange of a fixed amount of cash or another financial asset for a fixed number of its own equity instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Transactions involving own equity instruments, including their issuance and cancellation, are charged directly to equity.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Changes in the value of instruments classified as own equity instruments are not recognised in the consolidated financial statements. Consideration received or paid in exchange for such instruments, including the coupons on preference shares contingently convertible into ordinary shares and the coupons associated with CCPP, is directly added to or deducted from equity.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i8ffaff6e4a7542b3af75418684f47127"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;q) Equity-instrument-based employee remuneration&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Own equity instruments delivered to employees in consideration for their services, if the instruments are delivered once the specific period of service has ended, are recognised as an expense for services (with the corresponding increase in equity) as the services are rendered by employees during the service period. At the grant date the services received (and the related increase in equity) are measured&#160;at the fair value of the equity instruments granted. If the equity instruments granted are vested immediately, Grupo Santander recognises in full, at the grant date, the expense for the services received.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;When the requirements stipulated in the remuneration agreement include external market conditions (such as equity instruments reaching a certain quoted price), the amount ultimately to be recognised in equity will depend on the other conditions being met by the employees (normally length of service requirements), irrespective of whether the market conditions are satisfied.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;If the conditions of the agreement are met but the external market conditions are not satisfied, the amounts previously recognised in equity are not reversed, even if the employees do not exercise their right to receive the equity instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="idd0b75cebca94e74b4bca79068e86c90"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;r) Recognition of income and expenses&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The most significant criteria used by Grupo Santander to recognise its income and expenses are summarised as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ibf4716bbecf44f7f8a4ff4b91fb3b4b2"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Interest income, interest expenses and similar items&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Interest income, interest expenses and similar items are generally recognised on an accrual basis using the effective interest method. Dividends received from other companies are recognised as income when the consolidated entities&#x2019; right to receive them arises.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i97e5ba2789b24eaca2c11b4a64ef4dcd"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Commissions, fees and similar items&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Fee and commission income and expenses are recognised in the consolidated income statement using criteria that vary according to their nature. The main criteria are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;Fee and commission income and expenses relating to financial assets and financial liabilities measured at fair value through profit or loss are recognised when paid.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;Those arising from transactions or services that are performed over a period of time are recognised over the life of these transactions or services.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;Those relating to services provided in a single act are recognised when the single act is carried out.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i1ad1ca147be64d4daa8dcf680d939082"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iii. Non-finance income and expenses&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;They are recognised for accounting purposes when the good is delivered or the non-financial service is rendered. To determine the amount and timing of recognition, a five-step model is followed: identification of the contract with the customer, identification of the separate obligations of the contract, determination of the transaction price, distribution of the transaction price among the identified obligations and finally recording of income as the obligations are satisfied.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i416e1293a8bc4a7c93665c1788d244fd"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iv. Deferred collections and payments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;These are recognised for accounting purposes at the amount resulting from discounting the expected cash flows at market rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ie57539c46d224527a8527ef6146ed7f9"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;v. Loan arrangement fees&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Loan arrangement fees, mainly loan origination, application and information fees, are accrued and recognised in income over the term of the loan.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt;text-align:justify"&gt;&lt;span id="i670fe92a280f46c9826dfe2d3117c222"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;s) Financial guarantees&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Financial guarantees are considered contracts that require the issuer to make specific payments to reimburse the creditor for the loss it incurs when a specific debtor defaults on its due date payment obligation in accordance with the original or modified conditions of debt instrument, regardless of its legal form, which may be, among others, a deposit, financial guarantee, insurance contract or credit derivative.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander initially recognises the financial guarantees provided on the liability side of the consolidated balance sheet at fair value, which is generally the present value of the fees, commissions and interest receivable from these contracts over the term thereof, and simultaneously the Group recognises the amount of the fees, commissions and similar interest received at the inception of the transactions and a credit on the asset side of the consolidated balance sheet for the present value of the fees, commissions and interest outstanding.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Financial guarantees, regardless of the guarantor, instrumentation or other circumstances, are reviewed periodically so as to determine the credit risk to which they are exposed and, if appropriate, to consider whether a provision is required. The credit risk is determined by application of criteria similar to those established for quantifying impairment losses on debt instruments carried at amortised cost (described in note 2.g above).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The provisions made for these transactions are recognised under 'Provisions - Provisions for commitments and guarantees given in the consolidated balance sheet' (see note 25). These provisions are recognised and reversed with a charge or credit, respectively, to 'Provisions or reversal of provisions', net, in the consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i28693aa5db9740d1942e251b1d8d5cf5"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;t) Assets under management and investment and pension funds managed by the Group&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Assets owned by third parties and managed by the consolidated entities are not presented on the face of the consolidated balance sheet. The investment funds and pension funds managed by the consolidated companies are also not presented in the Group's consolidated balance sheet, as they are owned by third parties.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The commissions generated by these activities are included in the balance of the 'Commission income' chapter of the consolidated profit and loss account.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Note&#160;2.b.iv describes the internal criteria and procedures used to determine whether control exists over the structured entities, which include, inter alia, investment funds and pension funds.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="icec63a92f30a49b885aa177a80e80c2a"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;u) Post-employment benefits&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Under the collective agreements currently in force and other arrangements, the Spanish banks included in the Group and certain other Spanish and foreign consolidated entities have undertaken to supplement the public social security system benefits accruing to certain employees, and to their beneficiary right holders, for retirement, permanent disability or death, and the post-employment welfare benefits.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander's post-employment obligations to its employees are deemed to be defined contribution plans when the Group makes pre-determined contributions (recognised under Personnel expenses in the consolidated income statement) to a separate entity and will have no legal or effective obligation to make further contributions if the separate entity cannot pay the employee benefits relating to the service rendered in the current and prior periods. Post-employment obligations that do not meet the aforementioned conditions are classified as defined benefit plans (see note 25).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i4cb3919e9038469faf53a414b73798d8"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;Defined contribution plans&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The contributions made in this connection in each year are recognised under 'Personnel expenses' in the consolidated income statement. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The amounts not yet contributed at each year-end are recognised, at their present value, under 'Provisions - Provision for pensions' and similar obligations on the liability side of the consolidated balance sheet.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i6e144e0ac7a348d5988dd17df2992bbb"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;Defined benefit plans&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander recognises under 'Provisions&#160;- Provision for pensions and similar obligations on the liability side of the consolidated balance sheet' (or under 'Other assets' on the asset side, as appropriate) the present value of its defined benefit post-employment obligations, net of the fair value of the plan assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Plan assets are defined as those that will be directly used to settle obligations and that meet the following conditions:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;They are not owned by the consolidated entities, but by a legally separate third party that is not a party related to the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;They are only available to pay or fund post-employment benefits and they cannot be returned to the consolidated entities unless the assets remaining in the plan are sufficient to meet all the benefit obligations of the plan and of the entity to current and former employees, or they are returned to reimburse employee benefits already paid by Grupo Santander.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;If Grupo Santander can look to an insurer to pay part or all of the expenditure required to settle a defined benefit obligation, and it is practically certain that said insurer will reimburse some or all of the expenditure required to settle that obligation, but the insurance policy does not qualify as a plan asset, the Group recognises its right to reimbursement -which, in all other respects, is treated as a plan asset- under 'Insurance contracts linked to pensions' on the asset side of the consolidated balance sheet.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander will recognise the following items in the income statement:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Current service cost, (the increase in the present value of the obligations resulting from employee service in the current period), is recognised under 'Staff costs'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The past service cost, which arises from changes to existing post-employment benefits or from the introduction of new benefits and includes the cost of reductions, is recognised under 'Provisions or reversal of provisions'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Any gain or loss arising from a liquidation of the plan is included in the 'Provisions or reversion of provisions'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Net interest on the net defined benefit liability (asset), i.e. the change during the period in the net defined benefit liability (asset) that arises from the passage of time, is recognised under 'Interest expense' and similar charges ('Interest and similar income' if it constitutes income) in the consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The remeasurement of the net defined benefit liability (asset) is recognised in 'Other comprehensive income' under Items not reclassified to profit or loss and includes:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;Actuarial gains and losses generated in the&#160;year, arising from the differences between the previous actuarial assumptions and what has actually occurred and from the effects of changes in actuarial assumptions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;The return on plan assets, excluding amounts included in net interest on the net defined benefit liability (asset).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;Any change in the effect of the asset ceiling, excluding amounts included in net interest on the net defined benefit liability (asset).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i4d41fa2a97d54255b1e515e2363a401e"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;v) Other long-term employee benefits&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Other long-term employee benefits, defined as obligations to pre-retirees&#160;-taken to be those who have ceased to render services at the entity but who, without being legally retired, continue to have economic rights vis-&#xe0;-vis the entity until they acquire the legal status of retiree-, long-service bonuses, obligations for death of spouse or disability before retirement that depend on the employee&#x2019;s length of service at the entity and other similar items, are treated for accounting purposes, where applicable, as established above for defined benefit post-employment plans, except that actuarial gains and losses are recognised under 'Provisions or reversal of provisions', net, in the consolidated income statement (see note&#160;25).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span id="if2ba44ec1bd64ab28e07704e28387c28"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;w) Termination benefits&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Termination benefits are recognised when there is a detailed formal plan identifying the basic changes to be made, provided that implementation of the plan has begun, its main features have been publicly announced or objective facts concerning its implementation have been disclosed.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span id="i66b05f317b6342b495620b80f1e23f19"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;x) Income tax&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The expense for Spanish income tax and other similar taxes applicable to the foreign consolidated entities is recognised in the consolidated income statement, except when they arise from a transaction whose results are recognised directly in equity, in which case the related tax effect is recognised in equity.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The current income tax expense is calculated as the sum of the current tax resulting from application of the appropriate tax rate to the taxable profit for the year (net of any deductions allowable for tax purposes), and of the changes in deferred tax assets and liabilities recognised in the consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;'Deferred tax assets' and liabilities include temporary differences, which are identified as the amounts expected to be payable or recoverable on differences between the carrying amounts of assets and liabilities and their related tax bases, and tax loss and tax credit carryforwards. These amounts are measured at the tax rates that are expected to apply in the period when the asset is realised or the liability is settled.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;'Tax assets' include the amount of all tax assets, which are broken down into current&#160;-amounts of tax to be recovered within the next twelve&#160;months- and deferred&#160;-amounts of tax to be recovered in future&#160;years, including those arising from tax loss or tax credit carryforwards.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Tax liabilities' includes the amount of all tax liabilities (except provisions for taxes), which are broken down into current&#160;-the amount payable in respect of the income tax on the taxable profit for the&#160;year and other taxes in the next twelve&#160;months- and deferred&#160;-the amount of income tax payable in future&#160;years.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Deferred tax liabilities are recognised in respect of taxable temporary differences associated with investments in subsidiaries, associates or joint ventures, except when the Group is able to control the timing of the reversal of the temporary difference and, in addition, it is probable that the temporary difference will not reverse in the foreseeable future. In this regard, no deferred tax liabilities of EUR 321.9 million were recognised in relation to the taxation that would arise from the undistributed earnings of certain Group holding companies, in accordance with the legislation applicable in those jurisdictions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Deferred tax assets are only recognised for temporary differences to the extent that it is considered probable that the consolidated entities will have sufficient future taxable profits against which the deferred tax assets can be utilised, and the deferred tax assets do not arise from, in its initial recognition of (i)a business combination, (ii) an operation that does not affect either the tax result or the accounting result or (iii) on the date of the transaction, does not generate deductible and taxable temporary differences for the same amount (in which case assets and deferred tax liabilities). Other deferred tax assets (tax loss and tax credit carryforwards) are only recognised if it is considered probable that the consolidated entities will have sufficient future taxable profits against which they can be utilised.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Differences generated by the different accounting and tax treatment of any of the income and expenses recorded directly in equity to be paid or recovered in the future are accounted for as temporary differences.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The deferred tax assets and liabilities are reassessed at the reporting date in order to ascertain whether any adjustments need to be made on the basis of the findings of the analyses performed.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Regarding taxes on profits arising from the application of tax laws for the implementation of the Pillar Two model rules, including those related to national minimum complementary taxes, the Group applies the mandatory and temporary exception to the recognition of deferred tax assets and liabilities derived from said tax laws (see note 27.f).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="ie87b529c07a748c18f34ada2b9446e34"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;y) Residual maturity periods&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In note 51 it is provided an analysis of the maturities of the balances of certain items in the consolidated balance sheet.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander Group has recorded as 'time liabilities' those recognised financial liabilities in which the counterparty may require payments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Likewise, when Grupo Santander has committed to having amounts available at different maturity periods, these amounts have been recorded in the first year in which they may be required.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, for the financial guarantee contracts issued, the Group has recorded the maximum amount of the financial guarantee issued in the first year in which the guarantee can be executed.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:9pt"&gt;&lt;span id="i89e400f35bf94e849c11010a41e89519"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;z) Consolidated statement of recognised income and expense&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This statement presents the income and expenses generated by the Group as a result of its business activity in the year, and a distinction is made between the income and expenses recognised in the consolidated income statement for the year and the other income and expenses recognised directly in consolidated equity.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Accordingly, this statement presents:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a.&#160;&#160;&#160;&#160;Consolidated profit for the year.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b.&#160;&#160;&#160;&#160;The net amount of the income and expenses recognised in 'Other comprehensive income' under items that will not be reclassified to profit or loss.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;c.&#160;&#160;&#160;&#160;The net amount of the income and expenses recognised in Other comprehensive income under items that may be reclassified subsequently to profit or loss.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;d.&#160;&#160;&#160;&#160;The income tax incurred in respect of the items indicated in b and c above, except for the valuation adjustments arising from investments in associates or joint ventures accounted for using the equity method, which are presented net.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;e.&#160;&#160;&#160;&#160;Total consolidated recognised income and expense, calculated as the sum of a) to d) above, presenting separately the amount attributable to the parent company and the amount relating to non-controlling interests.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The statement presents the items separately by nature, grouping together items that, in accordance with the applicable accounting standards, will not be reclassified subsequently to profit and loss since the requirements established by the corresponding accounting standards are met.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="iedcae727762d428bbd42a6ef9622c442"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;aa) Statement of changes in total equity&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This statement presents all the changes in equity, including those arising from changes in accounting policies and from the correction of errors. Accordingly, this statement presents a reconciliation of the carrying amount at the beginning and end of the&#160;year of all the consolidated equity items, and the changes are grouped together on the basis of their nature into the following items:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a.&#160;&#160;&#160;&#160;Adjustments due to changes in accounting policies and to errors: include the changes in consolidated equity arising as a result of the retrospective restatement of the balances in the consolidated financial statements, distinguishing between those resulting from changes in accounting policies and those relating to the correction of errors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b.&#160;&#160;&#160;&#160;Income and expense recognised in the year: includes, in aggregate form, the total of the aforementioned items recognised in the consolidated statement of recognised 'Income and expense'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;c.&#160;&#160;&#160;&#160;Other changes in equity: includes the remaining items recognised in equity, including, inter alia, increases and decreases in capital, distribution of profit, transactions involving own equity instruments, equity-instrument-based payments, transfers between equity items and any other increases or decreases in consolidated equity.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i735fa54e6566433b90c38e2a2c1306f6"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;ab) Consolidated statement of cash flows&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following terms are used in the consolidated statements of cash flows with the meanings specified:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Cash flows: inflows and outflows of cash and cash equivalents, which are short-term, highly liquid investments that are subject to an insignificant risk of changes in value, irrespective of the portfolio in which they are classified.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander classifies as cash and cash equivalents the balances recognised under 'Cash, cash balances at central banks' and 'Other deposits on demand' in the consolidated balance sheet.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Operating activities: the principal revenue-producing activities of credit institutions and other activities that are not investing or financing activities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Investing activities: the acquisition or disposal of long-term assets and other investments not included in cash and cash equivalents.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Financing activities: activities that result in changes in the size and composition of the equity and liabilities that are not operating activities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;During 2025 Grupo Santander received interest amounting to EUR 109,840 million (EUR 117,046 and EUR 101,029 in 2024 and 2023, respectively) and paid interest amounting to EUR 57,737 million (EUR 61,091 and EUR 50,954 in 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Also, dividends received and paid by the Group are detailed in notes 4, 28 and 40, including dividends paid to minority interests (non-controlling interests)&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfMaterialAccountingPolicyInformationExplanatory>
    <ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory contextRef="c-1" id="f-1194">Foreign currency transactions&lt;div style="margin-bottom:3pt"&gt;&lt;span id="i32af6d7657084157bd41fbca042d4a16"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:115%"&gt;i. Presentation currency&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Banco Santander&#x2019;s functional and presentation currency is the euro. Also, the presentation currency of the Group is the euro.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="if390cf64de9b4b70a7214304d13a92d3"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Translation of foreign currency balances&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Foreign currency balances are translated to euros in two consecutive stages:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Translation of foreign currency to the functional currency (currency of the main economic environment in which the entity operates).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Translation to euros of the balances held in the functional currencies of entities whose functional currency is not the euro.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i038cd23e6ca643d4819cd5041865c4b7"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Translation of foreign currency to the functional currency&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Foreign currency transactions performed by consolidated entities (or entities accounted for using the equity method) not located in European Monetary Union ('EMU') countries are initially recognised in their respective currencies. Monetary items in foreign currency are subsequently translated to their functional currencies using the closing rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Furthermore:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Non-monetary items measured at historical cost are translated to the functional currency at the exchange rate at the date of acquisition.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Non-monetary items measured at fair value are translated at the exchange rate at the date when the fair value was determined.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Income and expenses are translated at the average exchange rates for the&#160;year for all the transactions performed during the&#160;year. When applying this criterion, the Group considers whether there have been significant changes in the exchange rates in the&#160;year which, in view of their materiality with respect to the consolidated financial statements taken as a whole, would make it necessary to use the exchange rates at the transaction date rather than the aforementioned average exchange rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The balances arising from non-hedging forward foreign currency/foreign currency and foreign currency/euro purchase and sale transactions are translated at the closing rates prevailing in the forward foreign currency market for the related maturity.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i18072ffb95a34673a45789fb5332e5c4"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Translation of functional currencies to euros&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The balances in the financial statements of consolidated entities (or entities accounted for using the equity method) whose functional currency is not the euro are translated to euros as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;-&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt"&gt;Assets and liabilities, at the closing rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;-&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt"&gt;Income and expenses, at the average exchange rates for the&#160;year.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;-&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt"&gt;Equity items, at the historical exchange rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ia47d2d78cd61478f8daf4a551a61006e"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iii. Recognition of exchange differences&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The exchange differences arising on the translation of foreign currency balances to the functional currency are generally recognised at their net amount under 'Exchange differences, net' in the consolidated income statement, except for exchange differences arising on financial instruments at fair value through profit or loss, which are recognised in the consolidated income statement without distinguishing them from other changes in fair value, and for exchange differences arising on non-monetary items measured at fair value through equity, which are recognised under 'Other comprehensive income&#x2013;Items that may be reclassified to profit or loss&#x2013;Exchange differences' except for exchange differences on equity instruments, where the option to irrevocably elect to be measured at fair value through changes in accumulated other comprehensive income, which are recognised in accumulated 'Other Comprehensive Income - Items not to be reclassified to profit or loss - Changes in fair value of equity instruments measured at fair value' through other comprehensive income (see note 29).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The exchange differences arising on the translation to euros of the financial statements denominated in functional currencies other than the euro are recognised in 'Other comprehensive income&#x2013;Items that may be reclassified to profit or loss&#x2013;Exchange differences' in the consolidated balance sheet, whereas those arising on the translation to euros of the financial statements of entities accounted for using the equity method are recognised in equity under 'Other comprehensive income&#x2013;Items that may be reclassified to profit or loss and Items not reclassified to profit or loss&#x2013;Other recognised income and expense' of investments in subsidiaries, joint ventures and associates (see note 29), until the related item is derecognised, at which time they are recognised in profit or loss.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Exchange differences arising on actuarial gains or losses when converting to euros the financial statements denominated in the functional currencies of entities whose functional currency is different from the euro are recognised under equity 'Other comprehensive income&#x2013;Items not reclassified to profit or loss&#x2013;Actuarial gains or (-) losses' on defined benefit pension plans (see note 29).&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="ie550674534bb4738b172fb9dfd58a54d"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iv. Entities located in hyperinflationary economies&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;When a subsidiary operates in a country with hyperinflationary economy, IAS 29 Financial Information in Hyperinflationary Economies is applied, which means that:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Historical cost of non-monetary assets and liabilities and of the various items of equity have to be adjusted to reflect the changes in the purchasing power of the currency due to inflation from their date of acquisition or incorporation into the consolidated balance sheet.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;The different items of the income statement are adjusted by the inflationary index since their generation, with a balancing entry in 'Other comprehensive income'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;The loss on the net monetary position is recorded in the income for the year against 'Accumulated Other comprehensive income'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;All components of the financial statements of the subsidiary are translated at the closing exchange rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The deterioration of the economic situation in Argentina over the last years caused, among other impacts, a significant increase in inflation, which by the end of 2018 had reached 48% per year (147% accumulated in three years). This led the Group to conclude that it was necessary to apply IAS 29 Financial Information in Hyperinflationary Economies to its activities in the country in question in its consolidated financial statements from that year on.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In 2024, Grupo Santander decided to apply an alternative exchange rate for the conversion of its Argentine business in the preparation of its consolidated annual accounts. This decision stemmed from the divergence observed between the official exchange rate and certain macroeconomic variables, primarily inflation, coupled with the fact that for certain transactions, such as the repatriation of dividends, the exchange rate implied in orderly transactions between market participants did not correspond to the official exchange rate. As of 31 December 2024, the alternative exchange rate used was based on the CCL dollar ('c&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:130%"&gt;ontado con liquidaci&#xf3;n'&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;), which is the exchange rate resulting from the sale in US dollars of local bonds denominated in Argentine pesos (bonds with dual peso dollar/denomination). At that date, this rate did not differ significantly from other market rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;From the second quarter of 2025, and considering the liberalization of the foreign exchange market and the elimination of restrictions on the purchase of foreign currency by individuals, and the value of this CCL dollar exchange rate did not differ significantly from other market rates and the official exchange rate, Grupo Santander started using the official exchange rate as a reference once again. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Inflation during 2025, according to the national consumer price index published by the National Statistics and Census Institute, wa&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;s 31.5% for the year (117.8% at 31 December 2024). The official exchange rate as 31 December 2025 was 1,706.38 Argentine pesos per euro (1,071.16 Argentine pesos per euro &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;at 31 December 2024). The exchange rate applied by the Group as at 31 December 2024 was 1,232.39 Argentine pesos per euro.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, no other country in which the consolidated and associated entities of Grupo Santander are located is considered to have a hyperinflati&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;onary economy in accordance with the criteria establ&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;ished in this regard by the International Financial Reporting Standards adopted by the European Union. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i84b8f9220b604b46b4cbd974862c94c9"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;v. Exposure to foreign currency risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander hedges a portion of its long-term foreign currency positions using foreign exchange derivative financial instruments (see note&#160;36). Also, the Group manages foreign exchange risk dynamically by hedging its short-term position (with a potential impact on profit or loss) in order to limit the impact of currency depreciations while optimising the cost of financing the hedges.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following tables show the sensitivity of the consolidated income statement and consolidated equity to percentage changes of &#xb1; 1% in the foreign exchange rate positions arising from investments in Grupo Santander companies with currencies other than the euro (with its hedges) and in their results (with its hedges), in which the Group maintains significant balances.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The estimated effect on the consolidated equity attributable to Grupo Santander and on consolidated profit and loss account of a 1% appreciation of the euro against the corresponding currency is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:3.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.250%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Effect&#160;on&#160;&lt;br/&gt;consolidated&#160;equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Effect&#160;on&#160;&lt;br/&gt;consolidated&#160;profit&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(135.0)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(168.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(136.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chilean peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(35.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(88.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(96.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(79.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(33.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(36.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(141.2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(144.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(175.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Polish zloty&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(25.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(48.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Argentine peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(21.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(18.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4.2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Similarly, the estimated effect on the Group&#x2019;s consolidated equity and on consolidated profit and loss account of a 1% depreciation of the euro against the corresponding currency is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:3.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.250%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Effect&#160;on&#160;&lt;br/&gt;consolidated&#160;equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Effect&#160;on&#160;&lt;br/&gt;consolidated&#160;profit&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;139.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chilean peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;89.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;98.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;144.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;147.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;179.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Polish &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;zloty&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Argentine peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The above data were obtained as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a)&#160;&#160;&#160;&#160;Effect on consolidated equity: in accordance with the accounting policy detailed in note&#160;2.a.iii, foreign exchange rate impact arising on the translation to euros of the financial statements in the functional currencies of the Group entities whose functional currency is not the euro are recognised in consolidated equity. The potential effect that a change in the exchange rates of the related currency would have on the Group&#x2019;s consolidated equity was therefore determined by applying the aforementioned change to the net value of each unit&#x2019;s assets and liabilities&#160;-including, where appropriate, the related goodwill- and by taking into consideration the offsetting effect of the hedges of net investments in foreign operations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b)&#160;&#160;&#160;&#160;Effect on consolidated profit: the effect was determined by applying the up and down movements in the average exchange rates of the&#160;year, as indicated in note&#160;2.a.ii (except in the case of Argentina, which is a hyperinflationary economy and has applied the closing exchange rate), to translate to euros the income and expenses of the consolidated entities whose functional currency is not the euro, taking into consideration, where appropriate, the offsetting effect of the various hedging transactions in place.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The estimates used to obtain the foregoing data were performed considering the effects of the changes in the exchange rate in standalone basis not considering the effect of the performance of other variables whose changes would affect equity and profit or loss, such as variations in the interest rates of the reference currencies or other market factors. Accordingly, all variables other than the exchange rate variations were kept constant with respect to their positions at 31 December 2025, 2024 and 2023.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory>
    <san:ForeignCurrencyTranslationsNumberOfStages contextRef="c-1" decimals="INF" id="f-1195" unitRef="stage">2</san:ForeignCurrencyTranslationsNumberOfStages>
    <san:InflationRate
      contextRef="c-266"
      decimals="2"
      id="f-1196"
      unitRef="number">0.48</san:InflationRate>
    <san:InflationRate
      contextRef="c-267"
      decimals="2"
      id="f-1197"
      unitRef="number">1.47</san:InflationRate>
    <san:InflationRate
      contextRef="c-109"
      decimals="3"
      id="f-1198"
      unitRef="number">0.315</san:InflationRate>
    <san:InflationRate
      contextRef="c-110"
      decimals="3"
      id="f-1199"
      unitRef="number">1.178</san:InflationRate>
    <ifrs-full:ClosingForeignExchangeRate
      contextRef="c-268"
      decimals="2"
      id="f-1200"
      unitRef="argentian_pesoPerEUR">1706.38</ifrs-full:ClosingForeignExchangeRate>
    <ifrs-full:ClosingForeignExchangeRate
      contextRef="c-269"
      decimals="2"
      id="f-1201"
      unitRef="argentian_pesoPerEUR">1071.16</ifrs-full:ClosingForeignExchangeRate>
    <san:ClosingForeignExchangeRateAppliedHyperinflationaryEconomy
      contextRef="c-269"
      decimals="2"
      id="f-1202"
      unitRef="argentian_pesoPerEUR">1232.39</san:ClosingForeignExchangeRateAppliedHyperinflationaryEconomy>
    <san:ScheduleOfSensitivityAnalysisOfConsolidatedEquityAndProfitOf1AppreciationDepreciationOfEuroTableTextBlock contextRef="c-1" id="f-1203">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The estimated effect on the consolidated equity attributable to Grupo Santander and on consolidated profit and loss account of a 1% appreciation of the euro against the corresponding currency is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:3.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.250%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Effect&#160;on&#160;&lt;br/&gt;consolidated&#160;equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Effect&#160;on&#160;&lt;br/&gt;consolidated&#160;profit&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(135.0)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(168.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(136.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chilean peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(35.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(88.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(96.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(79.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(33.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(36.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(141.2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(144.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(175.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Polish zloty&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(25.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(48.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Argentine peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(21.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(18.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4.2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Similarly, the estimated effect on the Group&#x2019;s consolidated equity and on consolidated profit and loss account of a 1% depreciation of the euro against the corresponding currency is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:3.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.250%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Effect&#160;on&#160;&lt;br/&gt;consolidated&#160;equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Effect&#160;on&#160;&lt;br/&gt;consolidated&#160;profit&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;139.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chilean peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;89.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;98.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;144.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;147.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;179.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Polish &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;zloty&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Argentine peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:ScheduleOfSensitivityAnalysisOfConsolidatedEquityAndProfitOf1AppreciationDepreciationOfEuroTableTextBlock>
    <san:PercentageOfReasonablyPossibleAppreciationOfEntitysFunctionalCurrency
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      id="f-1204"
      unitRef="number">0.01</san:PercentageOfReasonablyPossibleAppreciationOfEntitysFunctionalCurrency>
    <san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency contextRef="c-270" decimals="-5" id="f-1205" unitRef="eur">135000000.0</san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency>
    <san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency contextRef="c-271" decimals="-5" id="f-1206" unitRef="eur">168400000</san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency>
    <san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency contextRef="c-272" decimals="-5" id="f-1207" unitRef="eur">136900000</san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency>
    <san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency contextRef="c-270" decimals="-5" id="f-1208" unitRef="eur">2500000</san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency>
    <san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency contextRef="c-271" decimals="-5" id="f-1209" unitRef="eur">3900000</san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency>
    <san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency contextRef="c-272" decimals="-5" id="f-1210" unitRef="eur">3400000</san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency>
    <san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency contextRef="c-273" decimals="-5" id="f-1211" unitRef="eur">8800000</san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency>
    <san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency contextRef="c-274" decimals="-5" id="f-1212" unitRef="eur">15300000</san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency>
    <san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency contextRef="c-275" decimals="-5" id="f-1213" unitRef="eur">35300000</san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency>
    <san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency contextRef="c-273" decimals="-5" id="f-1214" unitRef="eur">4300000</san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency>
    <san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency contextRef="c-274" decimals="-5" id="f-1215" unitRef="eur">2100000</san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency>
    <san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency contextRef="c-275" decimals="-5" id="f-1216" unitRef="eur">2300000</san:DecreaseInConsolidatedProfitDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency>
    <san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency contextRef="c-276" decimals="-5" id="f-1217" unitRef="eur">88100000</san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency>
    <san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency contextRef="c-277" decimals="-5" id="f-1218" unitRef="eur">96500000</san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency>
    <san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency contextRef="c-278" decimals="-5" id="f-1219" unitRef="eur">79100000</san:DecreaseInConsolidatedEquityDueToReasonablyPossibleAppreciationOfEntitysFunctionalCurrency>
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    <san:BasisOfConsolidationPolicyPolicyTextBlock contextRef="c-1" id="f-1290">Basis of consolidation&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;span id="i7ea75d2224d24132ad0d68788a875a0f"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Subsidiaries&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Subsidiaries are defined as entities over which the Bank has the capacity to exercise control. The Bank controls an entity when it is exposed, or has rights, to variable returns from its involvement with the investee and has the ability to affect those returns through its power over the investee.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The financial statements of the subsidiaries are fully consolidated with those of the Bank. Accordingly, all balances and effects of the transactions between consolidated companies are eliminated on consolidation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On acquisition of control of a subsidiary, its assets, liabilities and contingent liabilities are recognised at their acquisition-date fair values. Any positive differences between the acquisition cost and the fair values of the identifiable net assets acquired are recognised as goodwill (see note&#160;17). Negative differences are recognised in profit or loss on the date of acquisition.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, the share of third parties of Grupo Santander equity is presented under 'Non-controlling interests' in the consolidated balance sheet (see note&#160;28). Their share of the profit for the&#160;year is presented under 'Profit attributable to non-controlling interests' in the consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The results of subsidiaries acquired during the&#160;year are included in the consolidated income statement from the date of acquisition to&#160;year-end. Similarly, the results of subsidiaries for which control is lost during the year are included in the consolidated income statement from the beginning of the&#160;year to the date of disposal.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, apart from the structured consolidated entities, Grupo Santander does not control any company in which it maintains a percentage of direct participation in its share capital of less than 50% and in where other elements exist which, considered together, would grant give it decision-making power over its relevant activities. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The appendices contain significant information on the subsidiaries.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i38d586ae55fc4821b1ffac137bad82be"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Interests in joint ventures&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Joint ventures are deemed to be entities that are not subsidiaries but which are jointly controlled by two or more unrelated entities. This is evidenced by contractual arrangements whereby two or more parties have interests in entities so that decisions about the relevant activities require the unanimous consent of all the parties sharing control.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the consolidated financial statements, investments in joint ventures are accounted for using the equity method, i.e. at the Group&#x2019;s share of net assets of the investee, after taking into account the dividends received therefrom and other equity eliminations. The profits and losses resulting from transactions with a joint venture are eliminated to the extent of the Group&#x2019;s interest therein.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The appendices contain relevant information on the joint ventures.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="i91876a6de5e5419ca945e452a331186a"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iii. Associates&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Associates are entities over which Banco Santander is in a position to exercise significant influence, but not control or joint control. It is presumed that Banco Santander exercises significant influence if it holds 20% or more of the voting power of the investee.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the consolidated financial statements, investments in associates are accounted for using the equity method, with the same criteria applicable to shares in joint ventures.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;There are certain investments in entities which, although Grupo Santander owns 20% or more of their voting power, are not considered to be associates because the Group is not in a position to exercise significant influence over them. As of 31 December 2024 and 2023, the investment in Project Quasar Investments 2017, S.L. was in this situation, despite maintaining a 49% stake in the share capital. The rest of the investments are not significant for the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;There are also certain investments in associates where the Group owns less than 20% of the voting rights, as it is determined that it has the capacity to exercise significant influence over them. The impact of these companies is immaterial in the Group's consolidated financial statements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The appendices contain significant information on the associates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i9d9e2713fdf44f24b2f9f981a1485b35"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:125%"&gt;iv. Structured entities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In some cases, Grupo Santander incorporates entities, or holds ownership interests therein, to enable its customers to access certain investments, or for the transfer of risks or other purposes. Those entities are called 'structured entities' and they are characterized by the fact that since the voting, or similar power is not a key factor in deciding who controls the entity. The control is determined by using internal criteria and procedures and taking into consideration the applicable legislation, as described above. Specifically, for those entities to which this policy applies (mainly investment funds and pension funds), the Group analyses the following factors:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Percentage of ownership held by Grupo Santander; 20% is established as the general threshold.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Identification of the fund manager, and verification as to whether it is a company controlled by the Group since this could affect Grupo Santander ability to direct the relevant activities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Existence of agreements between investors that might require decisions to be taken jointly by the investors, rather than by the fund manager.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Existence of currently exercisable removal rights (possibility of removing the manager from his position), since the existence of such rights might limit the manager&#x2019;s power over the fund, and it may be concluded that the manager is acting as an agent of the investors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Analysis of the fund manager&#x2019;s remuneration regime, taking into consideration that a remuneration regime that is proportionate to the service rendered does not, generally, create exposure of such importance as to indicate that the manager is acting as the principal. Conversely, if the remuneration regime is not proportionate to the service rendered, this might give rise to an exposure that would lead the Group to a different conclusion.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;These structured entities also include the securitisation special purpose vehicles, which are consolidated in the case of the Special Purpose Vehicles (SPVs) over which, being exposed to variable yield, it is considered that the Group continues to exercise control.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The exposure associated with unconsolidated structured entities, additional to investments in the equity of investment funds (note 8), are not material with respect to the Group&#x2019;s consolidated financial statements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;span id="i0b07bb2d7be5496db27d6abd8f73d1ed"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;v. Business combinations&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;A business combination is the bringing together of two or more separate entities or economic units into one single entity or group of entities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Business combinations whereby Grupo Santander obtains control over an entity or a business are recognised for accounting purposes as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Grupo Santander measures the cost of the business combination, which is normally the consideration transferred, defined as the acquisition-date fair values of the assets transferred, the liabilities incurred to the former owners of the acquiree and the equity instruments issued, if any, by the acquirer. In cases where the amount of the consideration to be transferred has not been definitively established at the acquisition date, but rather depends on future events, any contingent consideration is recognised as part of the consideration transferred and measured at its acquisition-date fair value. Moreover, acquisition-related costs do not for these purposes form part of the cost of the business combination.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The fair values of the assets, liabilities and contingent liabilities of the acquired entity or business, including any intangible assets identified in the business combination which might not have been recognised by the acquiree, are estimated and recognised in the consolidated balance sheet; the Group also estimates the amount of any non-controlling interests and the fair value of the previously held equity interest in the acquiree.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Any positive difference between the aforementioned items is recognised as discussed in note&#160;2.m. Any negative difference is recognised under 'Negative Goodwill' recognised in the consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Goodwill is only calculated and recognised once, when control of a business or an entity is obtained.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i6a769ab0d2a443dab0214ae16c9258bb"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;vi. Changes in the levels of ownership interests in subsidiaries&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Acquisitions and disposals not giving rise to a change in control are recognised as equity transactions, and no gain or loss is recognised in the income statement and the initially recognised goodwill is not remeasured. The difference between the consideration transferred or received and the decrease or increase in non-controlling interests, respectively, is recognised in reserves.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Similarly, when control over a subsidiary is lost, the assets, liabilities and non-controlling interests and any other items recognised in 'Other Comprehensive income' of that company are derecognised from the consolidated balance sheet, and the fair value of the consideration received and of any remaining equity interest is recognised. The difference between these amounts is recognised in profit or loss.&lt;/span&gt;&lt;/div&gt;</san:BasisOfConsolidationPolicyPolicyTextBlock>
    <ifrs-full:ProportionOfOwnershipInterestInAssociate
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    <ifrs-full:ProportionOfOwnershipInterestInAssociate
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    <ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory contextRef="c-1" id="f-1293">lassification of financial instruments&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;A financial instrument is any contract that gives rise to a financial asset of one entity and a financial liability or an equity instrument of another entity.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following transactions are not treated for accounting purposes as financial instruments:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Investments in associates and joint venture when accounted for using the equity method in accordance with IAS 28 (see note&#160;13).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Rights and obligations under employee benefit plans recognized in accordance with IAS 19 (see note&#160;25).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Insurance contracts and the rights and obligations directly arising from them, within the scope of IFRS 17 (see note&#160;15).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Contracts and obligations relating to employee remuneration based on own equity instruments accounted for in accordance with IFRS 2 (see note&#160;34).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;span id="i590d74e518514c8197e9c502f9837b18"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Classification of financial assets for measurement purposes&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Financial assets are classified into the various categories used for management and measurement purposes, unless they have to be presented as 'Non-current assets held for sale' or they relate to 'Cash, cash balances at central banks and other deposits on demand', 'Changes in the fair value of hedged items in portfolio hedges of interest rate risk (asset side)', 'Hedging derivatives and Investments', which are reported separately.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Classification of financial instruments: the classification criteria for financial assets depends on the business model for their management and the characteristics of their contractual flows.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander business models refer to the way in which it manages its financial assets to generate cash flows. In defining these models, the Group takes into account the following factors:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;How key entity staff are assessed and reported on the performance of the business model and the financial assets held in the business model.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The risks that affect the performance of the business model (and the financial assets held in the business model) and, specifically, the way in which these risks are managed.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The way in which business managers are remunerated.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The frequency, the calendar and volume of sales in previous years, as well as expectations of future sales and the reasons of the sales.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The analysis of the characteristics of the contractual cash flows of financial assets requires an assessment of the congruence of these flows with a basic loan agreement. The Group determines if the contractual cash flows of its financial assets that are only principal and interest payments on the outstanding principal amount at the beginning of the transaction. This analysis takes into consideration four factors (performance, contractual clauses, contractually linked products and currencies). Furthermore, among the most significant judgements used by the Group in carrying out this analysis, the following ones are included:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The return on the financial asset, in particular in cases of periodic interest rate adjustments where the term of the reference rate does not coincide with the frequency of the adjustment. In these cases, an assessment is made to determine whether or not the contractual cash flows differ significantly from the flows without this change in the time value of money, establishing a tolerance level of 5%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;When contractual clauses that may modify the cash flows of the financial asset exist, the structure of the cash flows before and after the activation of such clauses is analysed, regardless of the probability of occurrence of the contingent event. The evaluation of contractual flows of financial assets with characteristics associated with ESG (Environmental, Social and Governance) is included in this analysis. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Financial assets whose cash flows have different priority for payment due to a contractual link to underlying assets (e.g. securitization instruments or similar structures) require a look-through analysis by the Group so as to review that both the financial asset and the underlying assets are only principal and interest payments and that the exposure to credit risk of analyzed segment does not exceed the average exposure of the underlying assets of the instrument.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Depending on these factors, the financial assets classify for measurement as: (i) at amortised cost, (ii) at fair value with changes in other comprehensive income or (iii) at fair value with changes through profit and loss. IFRS 9 also establishes an option to irrevocably designate an instrument at fair value with changes in profit or loss, when doing so eliminates or significantly reduces a measurement or recognition inconsistency (sometimes referred to as 'accounting asymmetry') that would otherwise arise from measuring assets or liabilities or recognising gains and losses on different bases.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander uses the following criteria for the classification of the financial debt instruments:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Amortised cost: financial instruments managed under a business model whose objective is to hold the financial assets to collect contractual principal and interest flows. This category includes instruments for which there are no frequent or significant unjustified sales and fair value is not a key element in the management of these assets and contractual conditions they give rise to cash flows on specific dates, which are only payments of principal and interest on the outstanding principal amount. In this sense, justified sales are considered to be those related to an (i) increase in the credit risk of the asset, (ii) unanticipated funding needs (stress case scenarios) and (iii) those close to maturity . Additionally, the characteristics of its contractual flows represent substantially a 'basic financing agreement'.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Fair value with changes in other comprehensive income: financial instruments held in a business model whose objective is to collect principal and interest cash flows and the sale of these assets, where fair value is a relevant factor in their management. Additionally, the contractual cash flow characteristics substantially represent a 'basic financing agreement'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Fair value with changes in profit or loss: financial instruments included in a business model different from the above, where fair value is a key element in the management of these assets, and the contractual flows of the financial instruments do not substantially represent a 'basic financing agreement'. In this section it can be enclosed the portfolios classified under 'Financial assets held for trading', 'Non-trading financial assets mandatorily at fair value through profit or loss' and 'Financial assets at fair value through profit or loss'. In this regard, most of the financial assets presented in the category of 'Financial assets designated at value reasonable with change in results' are instruments financial services that, not being part of the portfolio of negotiation, are contracted jointly with other financial instruments that are recorded in the category of 'held for trading', and that by both are recorded at fair value with changes in results, so your record in any other category would produce accounting asymmetries.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Equity instruments will be classified at fair value under  IFRS 9, with changes in profit or loss, unless the Group decides, for non-trading assets, to classify them at fair value with changes in other comprehensive income (irrevocably) at initial recognition.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;span id="i75e15d8a121c42389acae969af7f386c"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Classification of financial assets for presentation purposes&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Financial assets are classified by nature into the following items in the consolidated balance sheet:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Cash, cash balances at Central Banks and other deposits on demand: cash balances and balances receivable on demand relating to deposits with central banks and other credit institutions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Loans and advances: includes the debit balances of all credit and loans granted by the Group, other than those represented by securities or securitized, as well as the finance lease receivables and other debit balances of a financial nature in favour of the Group such as cheques drawn on credit institutions, balances receivable from clearing houses and settlement agencies for transactions on the stock exchange and organised markets, bonds given in cash, capital calls, fees and commissions receivable for financial guarantees and debit balances arising from transactions not originating in banking transactions and services, such as the collection of rentals and similar items. They are classified, on the basis of the institutional sector to which the debtor belongs, into:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Central banks: credit of any nature, including deposits and money market transactions received from the Bank of Spain or other central banks.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Credit institutions: credit of any nature, including deposits and money market transactions, in the name of credit institutions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Customers: includes the remaining credit, including money market transactions through central counterparties.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Debt securities: bonds and other securities that represent a debt for their issuer, that that accrue interest or equivalent returns implemented in securities or in book entries.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Equity instruments: financial instruments issued by other entities, such as shares, which have the nature of equity instruments for the issuer, other than investments in subsidiaries, joint ventures or associates. Investment fund units are included in this item.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Derivatives: includes the fair value in favour of the Group of derivatives which do not form part of hedge accounting, including embedded derivatives separated from hybrid financial instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Repurchase agreements and reverse repurchase agreements: Purchases of financial instruments under a non-optional resale (repurchase) agreement at a fixed price (repos) are recognised in the consolidated balance sheet as financing granted, based on the nature of the debtor, under 'Loans and advances with central banks', 'Loans and advances to credit institutions' or 'Loans and advances to customers. Differences between the purchase and sale prices are recognised as interest over the contract term.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Changes in the fair value of hedged items in portfolio hedges of interest rate risk: this item is the balancing entry for the amounts credited to the consolidated income statement in respect of the measurement of the portfolios of financial instruments which are effectively hedged against interest rate risk through fair value hedging derivatives. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Hedging derivatives: Includes the fair value in favour of the Group of derivatives, including embedded derivatives separated from hybrid financial instruments, designated as hedging instruments in hedge accounting.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;span id="i952b7f66652e48e18b7d90035a398d34"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iii. Classification of financial liabilities for measurement purposes&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Financial liabilities are initially classified into the various categories used for management and measurement purposes, unless they have to be presented as 'Liabilities associated with non-current assets held for sale' or they relate to 'Hedging derivatives' or the changes in the fair value of hedged items in portfolio hedges of interest rate risk (liability side), which are reported separately.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In most cases, changes in the fair value of financial liabilities designated at fair value through profit or loss, caused by the entity's credit risk, are recognized in other comprehensive income, unless this treatment results in an accounting asymmetry, in which case the full effect is recognized in the profit or loss for the period.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Financial liabilities are included for measurement purposes in one of the following categories:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Financial liabilities held for trading (at fair value through profit or loss): this category includes financial liabilities incurred for the purpose of generating a profit in the near term from fluctuations in their prices, financial derivatives not designated in accounting hedging relationships, and financial liabilities arising from the outright sale of financial assets temporarily acquired or received on loan (short positions).&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Financial liabilities designated at fair value through profit or loss: financial liabilities are included in this category when they provide more relevant information, either because this eliminates or significantly reduces recognition or measurement inconsistencies (accounting mismatches) that would otherwise arise from measuring assets or liabilities or recognising the gains or losses on them on different bases, or because a group of financial liabilities or financial assets and liabilities is managed and its performance is evaluated on a fair value basis, in accordance with a documented risk management or investment strategy, and information about the group is provided on that basis to the Group&#x2019;s key management personnel. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Liabilities may only be included in this category on the date when they are incurred or originated.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Financial liabilities at amortised cost: financial liabilities, irrespective of their instrumentation and maturity, not included in any of the above-mentioned categories which arise from the ordinary borrowing activities carried on by financial institutions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ic42f3195efbe4dd89e54cecd83316288"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iv. Classification of financial liabilities for presentation purposes&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Financial liabilities are classified by nature into the following items in the consolidated balance sheet:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Deposits: includes all repayable balances received in cash by Grupo Santander, other than those instrumented as marketable securities and those having the substance of subordinated liabilities (amount of the loans received, which for credit priority purposes are after common creditors), except for the debt instruments issued. This item also includes cash bonds and cash consignments received the amount of which may be invested without restriction. Deposits are classified on the basis of the creditor&#x2019;s institutional sector into:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:2.47pt"&gt;Central banks: deposits of any nature, including credit received and money market transactions received from the Bank of Spain or other central banks.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:2.47pt"&gt;Credit institutions: deposits of any nature, including credit received and money market transactions in the name of credit institutions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:2.47pt"&gt;Customer: includes the remaining deposits, including money market transactions through central counterparties.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Marketable debt securities: includes the amount of bonds, debentures and other debt represented by marketable securities, other than those having the substance of subordinated liabilities (amount of the loans received, which for credit priority purposes are after common creditors, and includes the amount of the financial instruments issued by the Group which, having the legal nature of capital, do not meet the requirements to qualify as equity, such as certain preferred shares issued). This item includes the component that has the consideration of financial liability of the securities issued that are compound financial instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Derivatives: includes the fair value, with a negative balance for the Group, of derivatives, including embedded derivatives  separated from the host contract, which do not form part of hedge accounting.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Short positions: includes the amount of financial liabilities arising from the outright sale of financial assets acquired under reverse repurchase agreements or borrowed.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Other financial liabilities: includes the amount of payment obligations having the nature of financial liabilities not included in other items (includes, among others, the balance of lease liabilities recognized in accordance with IFRS 16), and liabilities under financial guarantee contracts, unless they have been classified as non-performing.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Repurchase agreements and reverse repurchase agreements: Sales of financial instruments under a non-optional resale (repurchase) agreement at a fixed price (repos) are recognised in the consolidated balance sheet as financing received, based on the nature of the creditor, under 'Deposits from central banks', 'Deposits from credit institutions' or 'Customer deposits'. Differences between the purchase and sale prices is recorded as interest accrued over the life of the contract, using the effective interest rate method.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Changes in the fair value of hedged items in portfolio hedges of interest rate risk: this item is the balancing entry for the amounts charged to the consolidated income statement in respect of the measurement of the portfolios of financial instruments which are effectively hedged against interest rate risk through fair value hedging derivatives.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Hedging derivatives: includes the fair value of the Group&#x2019;s liability in respect of derivatives, including embedded derivatives separated from hybrid financial instruments, designated as hedging instruments in hedge accounting.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The preference shares contingently convertible into ordinary shares eligible as Additional Tier 1 capital (PPCC) -perpetual shares, which may be repurchased by the issuer in certain circumstances, the interest on which is discretionary, and would convert into variable number of newly issued ordinary shares if the capital ratio of the Bank or its consolidated group falls below a given percentage (trigger event), as those two terms are defined in the related issue prospectuses are recognised for accounting purposes by the Group as compound instruments in accordance with IAS 32. The liability component reflects the issuer&#x2019;s obligation to deliver a variable number of shares and the equity component reflects the issuer&#x2019;s discretion in relation to the payment of the related coupons. In order to effect the initial allocation, the Group estimates the fair value of the liability as the amount that would have to be delivered if the trigger event were to occur immediately and, accordingly, the equity component, calculated as the residual amount, is zero. In view of the aforementioned discretionary nature of the payment of the coupons, they are deducted directly from equity.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Capital perpetual preference shares (PPCA), with the possibility of purchase by the issuer in certain circumstances, whose remuneration is discretionary, and which will be amortised permanently, totally or partially, in the event that the bank or its consolidated group submits a capital ratio lesser than a certain percentage (trigger event), as defined in the corresponding prospectuses, are accounted for by the Group as equity instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Derivatives embedded in other financial instruments or in other host contracts are accounted for separately as derivatives if their risks and characteristics are not closely related to those of the host contracts, provided that the host contracts are not classified as financial assets/liabilities designated at fair value through profit or loss or as 'Financial assets/liabilities held for trading'.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory>
    <ifrs-full:DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory contextRef="c-1" id="f-1294">Measurement of financial assets and liabilities and recognition of fair value changes&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In general, financial assets and liabilities are initially recognised at fair value which, in the absence of evidence to the contrary, is deemed to be the transaction price. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In this regard, IFRS 9 states that regular way purchases or sales of financial assets shall be recognised and derecognised on the trade date or on the settlement date. Grupo Santander has opted to make such recognition on the trading date or settlement date, depending on the convention of each of the markets in which the transactions are carried out. For example, in relation to the purchase or sale of debt securities or equity instruments traded in the Spanish market, securities market regulations stipulate their effective transfer at the time of settlement and, therefore, the same time has been established for the accounting record to be made.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The fair value of instruments not measured at fair value through profit and loss is adjusted by transaction costs. Subsequently, and on the occasion of each accounting close, they are valued in accordance with the following criteria:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i6da3ee17554d4070864a7b7d72d7c40c"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Measurement of financial assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Financial assets are measured at fair value are valued mainly at their fair value without deducting any transaction cost for their sale.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The fair value of a financial instrument on a given date is taken to be the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. The most objective and common reference for the fair value of a financial instrument is the price that would be paid for it on an active, transparent and deep market (quoted price or market price). At 31 December 2025, there were no significant investments in quoted financial instruments that had ceased to be recognised at their quoted price because their market could not be deemed to be active.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;If there is no market price for a given financial instrument, its fair value is estimated on the basis of the price established in recent transactions involving similar instruments and, in the absence thereof, of valuation techniques commonly used by the international financial community, taking into account the specific features of the instrument to be measured and, particularly, the various types of risk associated with it.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;All derivatives are recognised in the balance sheet at fair value from the trade date. If the fair value is positive, they are recognised as an asset and if the fair value is negative, they are recognised as a liability. The fair value on the trade date is deemed, in the absence of evidence to the contrary, to be the transaction price. The changes in the fair value of derivatives from the trade date are recorded in the consolidated income statement. Specifically, the fair value of financial derivatives traded in organised markets included in the portfolios of financial assets or liabilities held for trading is deemed to be their daily quoted price and if, for exceptional reasons, the quoted price cannot be determined on a given date, these financial derivatives are measured using methods similar to those used to measure derivatives.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The fair value of derivatives is taken to be the sum of the future cash flows arising from the instrument, discounted to present value at the date of measurement (present value or theoretical close) using valuation techniques commonly used by the financial markets: net present value, option pricing models and other methods.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The amount of debt securities and loans and advances under a business model whose objective is to collect the principal and interest flows are valued at their amortised cost, as long as they comply with the 'SPPI' (Solely Payments of Principal and Interest) test, using the effective interest rate method in their determination. Amortised cost refers to the acquisition cost of a corrected financial asset or liability (more or less, as the case may be) for repayments of principal and the part systematically charged to the consolidated income statement of the difference between the initial cost and the corresponding reimbursement value at expiration. In the case of financial assets, the amortised cost includes, in addition, the corrections to their value due to the impairment. In the loans and advances covered in fair value hedging transactions, the changes that occur in their fair value related to the risk or the risks covered in these hedging transactions are recorded.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The effective interest rate is the discount rate that exactly matches the carrying amount of a financial instrument to all its estimated cash flows of all kinds over its remaining life. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For fixed rate financial instruments, the effective interest rate coincides with the contractual interest rate established on the acquisition date plus, where applicable, the fees and transaction costs that, because of their nature, form part of their financial return. In the case of floating rate financial instruments, the effective interest rate coincides with the rate of return prevailing in all connections until the next benchmark interest reset date.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Equity instruments and contracts related with these instruments are measured at fair value. However, in certain circumstances the Group estimates cost value as a suitable estimate of the fair value. This can happen if the recent event available information is not enough to measure the fair value or if there is a broad range of possible measures and the cost value represents the best estimates of fair value within this range.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The amounts at which the financial assets are recognised represent, in all material respects, the Group&#x2019;s maximum exposure to credit risk at each reporting date. Also, Grupo Santander has received collateral and other credit enhancements to mitigate its exposure to credit risk, which consist mainly of mortgage guarantees, cash collateral, equity instruments and personal security, assets leased out under finance lease and full-service lease agreements, assets acquired under repurchase agreements, securities loans and credit derivatives.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i089c47b8db924ec587c4a69d5a551897"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Measurement of financial liabilities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In general, financial liabilities are measured at amortised cost, as defined above, except for those included under 'Financial liabilities held for trading' and 'Financial liabilities designated at fair value through profit or loss' and financial liabilities designated as hedged items (or hedging instruments) in fair value hedges, which are measured at fair value. The changes in credit risk arising from financial liabilities designated at fair value through profit or loss are recognised in accumulated other comprehensive income, unless they generate or increase an accounting mismatch, in which case changes in the fair value of the financial liability in all respects are recognised in the income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ibfbb4be27e0e4658adbe6a8ba97a7204"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iii. Valuation techniques&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The financial instruments at fair value determined on the basis of published price quotations in active markets (level 1) include government debt securities, private-sector debt securities, derivatives traded in organised markets, securitised assets, shares, short positions and fixed-income securities issued.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In cases where price quotations cannot be observed, management makes its best estimate of the price that the market would set, using its own internal models, described in note 50. In most cases, these internal models use data based on observable market parameters as significant inputs (level 2) and, in cases, they use significant inputs not observable in market data (level 3). In order to make these estimates, various techniques are employed, including the extrapolation of observable market data. The best evidence of the fair value of a financial instrument on initial recognition is the transaction price, unless the fair value of the instrument can be obtained from other market transactions performed with the same or similar instruments or can be measured by using a valuation technique in which the variables used include only observable market data, mainly interest rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="if09e92b9825644f9b9a015a0aa4d755d"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iv. Recognition of fair value changes&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As a general rule, changes in the carrying amount of financial assets and liabilities are recognised in the consolidated income statement. A distinction is made between the changes resulting from the accrual of interest and similar items, (which are recognised under Interest income or Interest expense, as appropriate), and those arising for other reasons, which are recognised at their net amount under 'Gains/losses on financial assets and liabilities'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Adjustments due to changes in fair value arising from:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;'Financial assets at fair value with changes in other comprehensive income' are recorded temporarily, in the case of debt instruments in 'Other comprehensive income - Elements that can be reclassified to profit or loss - Financial assets at fair value with changes in other comprehensive income', while in the case of equity instruments are recorded in 'other comprehensive income - Elements that will not be reclassified to line item - Changes in the fair value of equity instruments valued at fair value with changes in other comprehensive income'. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Exchange differences on debt instruments measured at fair value with changes in other comprehensive income are recognised under 'Exchange Differences, net' of the consolidated income statement. Exchange differences on equity instruments, in which the irrevocable option of being measured at fair value with changes in other comprehensive income has been chosen, are recognised in 'Other comprehensive income - Items that will not be reclassified to profit or loss - Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Items charged or credited to 'Items that may be reclassified to profit or loss &#x2013; Financial assets at fair value through other comprehensive income' and 'Other comprehensive income &#x2013; Items that may be reclassified to profit or loss &#x2013; Exchange differences in equity' remain in the Group's consolidated equity until the asset giving rise to them is impaired or derecognised, at which time they are recognised in the consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Unrealized capital gains on financial assets at fair value through other comprehensive income classified as 'Non-current assets held for sale' because they form part of a disposal group or a discontinued operation that  are recorded in the equity balancing entry 'Other accumulated comprehensive income - Items that can be reclassified in income - Non-current assets as held for sale.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i4d94ffbbf7344ed5ade54eb8bad38462"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;v. Hedging transactions&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The objective of hedge accounting is to represent in the financial statements the effect of an entity's risk management activities when it uses financial instruments to manage exposures arising from specific risks that could affect profit or loss or other comprehensive income (in the case of investments in equity instruments for which the entity has opted to represent changes in the fair value of other comprehensive income).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As described in Note 1.b, the Group has adopted IFRS 9 for hedge accounting prospectively, while continuing to apply IAS 39 for fair value hedges in portfolios where the hedged risk is interest rate risk. This change has not resulted in any modifications to the accounting treatment of hedges designated under IAS 39, which remain unchanged in both their designation and accounting treatment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For a hedging relationship to meet the requirements set out in IFRS 9, it must meet the following conditions:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;1.&#160;&#160;&#160;&#160;Instruments that can be designated as hedging instruments include all derivative financial instruments or non-derivative financial instruments measured at fair value through profit or loss, or a combination thereof. In the case of foreign exchange risk hedges, any type of non-derivative financial instrument can also be designated, regardless of its measurement method.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;2. Items that can be designated as covered items are all those that are recognized assets or liabilities, firm commitments, highly probable anticipated transactions, and net investments abroad.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;3.&#160;&#160;&#160;&#160;At the start of coverage, a formal designation and documentation of the hedging relationship must be made, which will include the entity's risk management strategy and objective, identification of the hedging instrument and the covered item, the nature of the covered risk, the methodology for measuring effectiveness, which includes an analysis of the sources of ineffectiveness, and the coverage ratio.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The main sources of ineffectiveness based on the risk covered are:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:19.84pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a. Interest rate risk: mismatches in time horizons, principal, repricing and payment dates, time value of options, modifications in the hedged item or the hedging instrument.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:19.84pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b. Exchange rate risk: in addition to the above, the difference between the interest rates of the two currencies that represents the net cost or benefit of switching cash flows between two currencies with different interest rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;4. The hedging relationship must be effective, for which there must be an economic relationship between the hedged item and the hedging instrument, credit risk must not have a dominant effect on changes in the value of the economic relationship between the hedging instrument and the hedged item, and the hedging ratio must coincide with that used by the entity in its management.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group assesses these effectiveness requirements, at the time of designation and on each submission date, through:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The economic relationship between the hedged item and the hedging instrument is demonstrated through a qualitative test, and in the event of non-compliance, through quantitative tests that compare the market value of the hedged items&#x2014;corresponding to the hedged risk&#x2014;and the hedging instruments. Likewise, a quantitative analysis of variations in the market values of the hedging instrument and the hedged item is performed prospectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The hedge ratio is determined based on the proportion between the amount of the hedged item and the amount of the instrument actually designated by the Group in each hedging relationship.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt; The credit risk domain assessment is performed through an analysis of the credit exposure of the hedged items and the hedging instruments.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Accounting hedges are classified and recorded according to the type of risk they cover, based on the following criteria:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Fair value hedges: These are hedges against exposure to changes in the fair value of the hedged item, attributable to a specific risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The differences arising from both the hedging instruments and the hedged items (due to the hedged risk) are recognized directly in the consolidated profit and loss account.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;When the fair value hedge is discontinued, the adjustments previously recorded in the hedged item are charged to profit or loss using the effective interest rate method recalculated at the date the hedge ceases to be covered, and must be fully amortized at maturity. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In fair value hedges of interest rate risk of a portfolio of financial instruments (macro hedges), regulated by IAS 39, the gains or losses arising from the valuation of the hedging instruments are recognized directly in the consolidated profit and loss account, while the gains or losses due to changes in the fair value of the hedged amount (attributable to the hedged risk) are recognized in the consolidated profit and loss account using as a counterpart the headings 'Changes in the fair value of hedged items' of a portfolio with interest rate risk hedge (asset or liability), as appropriate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Cash flow hedges: These are hedges against exposure to changes in cash flows attributable to a specific risk associated with the hedged item.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The effective portion of the change in the value of the hedging instrument is temporarily recorded in the equity account 'Other accumulated comprehensive income - Items that may be reclassified in profit or loss - Hedging derivatives. Cash flow hedges (effective portion)' until the hedged item affects profit or loss. From that point onward, it will be recorded in the consolidated profit or loss account for the same period as the hedged item, except in cases where it is required to be included in the cost of the non-financial asset or liability, or the anticipated transactions are ultimately recognized as non-financial assets or liabilities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;When cash flow hedges are discontinued, the accumulated result of the hedging instrument recognized in the equity heading 'Other accumulated global result' (while the hedge was effective) will continue to be recognized in that heading until the hedged transaction occurs, at which time it will be recorded in profit or loss, unless it is expected that the transaction will not take place, in which case it is recorded immediately in profit or loss.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Net investment hedges of a foreign operation: This is a hedge of the amount corresponding to the reporting entity's share of the net assets of said operation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The effective portion of the hedging instrument is temporarily recorded in the equity account 'Other accumulated comprehensive income - Items that may be reclassified in profit or loss - Net investment hedges' in foreign operations until the gains or losses on the hedged item are recognized in profit or loss.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;To measure ineffectiveness, the Group compares the valuation of the hedging instrument with the valuation of the hedged item based on the hedged risk, using different methodologies such as the proxy method or the hypothetical derivative method. The ineffective portion of the cash flow and net investment hedge relationships in foreign operations is recorded directly in the consolidated profit and loss account, under the heading 'Net gains or losses from hedge accounting'. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group discontinues accounting for hedging relationships when the hedging instrument expires, is sold, or when the hedging relationship becomes ineffective because it is no longer aligned with the risk management objective. In that case, the derivative is then treated as a trading derivative.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;If a hedging relationship ceases to meet the effectiveness requirements, but the risk management objective remains, the Group will assess whether to rebalance or adjust the hedging ratio to meet the effectiveness requirements again without discontinuing the hedging relationship.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;A hedging instrument is generally designated in its entirety, as the factors contributing to its fair value are interdependent. However, IFRS 9 allows certain parts of a hedging instrument to be excluded from its fair value:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt"&gt;Separating the intrinsic value and the time value of an option and designating only the intrinsic element as the hedging instrument, which is mandatory if the intrinsic value is designated;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt"&gt;Separating the forward and spot elements of a forward contract and designating only the spot element as the hedging instrument, which will be determined for each hedging relationship. and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.48pt"&gt;Separate the foreign currency basis spread of a currency derivative and exclude it from the designation of the hedging instrument, as determined for each hedging relationship.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Separating these components will improve the effectiveness of the hedge and allows for alternative accounting treatment for the excluded component. This treatment consists of recording the changes in value under the heading 'Other accumulated comprehensive income &#x2013; Undesignated items' and recording this component in the consolidated profit or loss statement, depending on the nature of the hedged item, either over a period of time or at the time the hedged transaction occurs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, if the entity manages the credit risk of all or part of a financial instrument through the use of credit derivatives, there is the option of designating a fair value credit exposure through profit or loss, provided that the derivative matches the name and priority of the financial instrument being hedged. This designation may be made at the initial recognition of the designated financial instrument or subsequently, with the designation being documented. From its designation, fair value variations (for all its risks, not exclusively credit risk) will be recorded in the consolidated profit and loss account.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory>
    <ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory contextRef="c-1" id="f-1295">Derecognition of financial assets and liabilities&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The accounting treatment of transfers of financial assets depends on the extent to which the risks and rewards associated with the transferred assets are transferred to third parties:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;1.&#160;&#160;&#160;&#160;If the Group transfers substantially all the risks and rewards to third parties unconditional -sale of financial assets, sale of financial assets under an agreement to repurchase them at their fair value at the date of repurchase, sale of financial assets with a purchased call option or written put option that is deeply out of the money, securitisation of assets in which the transferor does not retain a subordinated debt or grant any credit enhancement to the new holders, and other similar cases-, the transferred financial asset is derecognised and any rights or obligations retained or created in the transfer are recognised simultaneously.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;2.&#160;&#160;&#160;&#160;If the Group retains substantially all the risks and rewards associated with the transferred financial asset -sale of financial assets under an agreement to repurchase them at a fixed price or at the sale price plus interest, a securities lending agreement in which the borrower undertakes to return the same or similar assets, and other similar cases-, the transferred financial asset is not derecognised and continues to be measured by the same criteria as those used before the transfer. In this case, the following items are recognised:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt"&gt;An associated financial liability, which is recognised for an amount equal to the consideration received and is subsequently measured at amortised cost, unless it meets the requirements for classification under 'Financial liabilities designated at fair value through profit or loss'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt"&gt;The income from the transferred financial asset not derecognised and any expense incurred on the new financial liability, without offsetting.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;3.&#160;&#160;&#160;&#160;If the Group neither transfers nor retains substantially all the risks and rewards associated with the transferred financial asset -sale of financial assets with a purchased call option or written put option that is not deeply in or out of the money, securitisation of assets in which the transferor retains a subordinated debt or other type of credit enhancement for a portion of the transferred asset, and other similar cases- the following distinction is made:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt"&gt;If the transferor does not retain control of the transferred financial asset, the asset is derecognised and any rights or obligations retained or created in the transfer are recognised.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt"&gt;If the transferor retains control of the transferred financial asset, it continues to recognise it for an amount equal to its exposure to changes in value and recognises a financial liability associated with the transferred financial asset. The net carrying amount of the transferred asset and the associated liability is the amortised cost of the rights and obligations retained, if the transferred asset is measured at amortised cost, or the fair value of the rights and obligations retained, if the transferred asset is measured at fair value.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Accordingly, financial assets are only derecognised when the rights to the cash flows they generate have expired or when substantially all the inherent risks and rewards have been transferred to third parties. Similarly, financial liabilities are only derecognised when the obligations they generate have been extinguished or when they are acquired with the intention either to cancel them or to resell them.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Regarding contractual modifications of financial assets, Grupo Santander distinguishes two main categories depending on whether the new conditions result in the disposal of the asset (and recognition of a new one) or imply the continuation of the original instrument with the new modified terms:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Contractual modifications for commercial or market reasons, which are generally carried out at the request of the debtor to apply current market conditions to the debt. The new contract is considered a new transaction and, consequently, it is necessary to derecognize the original financial asset and recognize a new financial asset subject to the classification and measurement requirements established by IFRS 9. The new financial asset will be recorded at fair value and, if applicable, the difference between the carrying amount of the asset derecognized and the fair value of the new asset will be recognized in profit or loss.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Modifications due to refinancing or restructuring, in which the payment conditions are modified to allow a customer that is experiencing financial difficulties (current or foreseeable) to meet its payment obligations and that, if such modification had not been made, it would be reasonably certain that it would not be able to meet such payment obligations. In this case, the modification does not result in the derecognition of the financial asset, but rather the original financial asset is maintained and does not require a new assessment of its classification and measurement. When assessing credit impairment, the current credit risk (considering the modified cash flows) should be compared with the credit risk at initial recognition. The gross carrying amount of the financial asset (the present value of the renegotiated or modified contractual cash flows that are discounted at the original effective interest rate of the financial asset) should be recalculated, with a gain or loss recognized in profit or loss for the difference.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory>
    <ifrs-full:DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory contextRef="c-1" id="f-1296">Offsetting of financial instruments&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Financial asset and liability balances are offset, i.e. reported in the consolidated balance sheet at their net amount, only if the Group entities currently have a legally enforceable right to set off the recognised amounts and intend either to settle on a net basis, or to realise the asset and settle the liability simultaneously.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory>
    <ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory contextRef="c-1" id="f-1297">Impairment of financial assets&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;span id="i283af405fc7c4a24b838197c064ca2fd"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Definition&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander associates an impairment in the value to financial assets measured at amortised cost, debt instruments measured at fair value with changes in other comprehensive income, lease receivables, assets from contracts and loan commitments and the financial guarantees issued that are not measured at fair value through profit or loss.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The impairment for expected credit losses is recorded with a charge to the consolidated income statement for the period in which the impairment arises. In the event of occurrence, the recoveries of previously recognised impairment losses are recorded in the consolidated income statement for the period in which the impairment no longer exists or is reduced.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the case of purchased or originated credit-impaired assets, the Group only recognizes at the reporting date the changes in the expected credit losses during the life of the asset since the initial recognition as a credit loss. In the case of assets measured at fair value with changes in other comprehensive income, the changes in the fair value due to expected credit losses are charged in the consolidated income statement of the year where the change happened, reflecting the rest of the valuation in other comprehensive income.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As a rule, the expected credit loss is estimated as the difference between the contractual cash flows to be recovered and the expected cash flows discounted using the original effective interest rate. In the case of purchased or originated credit-impaired assets, this difference is discounted using the effective interest rate adjusted by credit rating.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Depending on the classification of financial instruments, which is mentioned in the following sections, the expected credit losses may be along 12 months or during the life of the financial instrument:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;12-month expected credit losses: arising from the potential default events, as defined in the following sections that are estimated to be likely to occur within the 12 months following the reporting date. These losses will be associated with financial assets classified as 'normal risk' as defined in the following sections.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Expected credit losses over the life of the financial instrument: arising from the potential default events that are estimated to be likely to occur throughout the life of the financial instruments. These losses are associated with financial assets classified as 'normal risk under watchlist' or 'doubtful risk'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;With the purpose of estimating the expected life of the financial instrument all the contractual terms have been taken into account (e.g. prepayments, duration, purchase options, etc.), being the contractual period (including extension options) the maximum period considered to measure the expected credit losses. In the case of financial instruments with an uncertain maturity period and a component of undrawn commitment (e.g.: credit cards), the expected life is estimated through quantitative analyses to determine the period during which the entity is exposed to credit risk, also considering the effectiveness of management procedures that mitigate such exposure (e.g. the ability to unilaterally cancel such financial instruments, etc.).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following constitute effective guarantees:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a)&#160;&#160;&#160;&#160;Mortgage guarantees on housing as long as they are first duly constituted and registered in favour of the entity. The properties include:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;i.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:9.97pt"&gt;Buildings and building elements, distinguishing among:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Houses.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Offices, stores and multi-purpose premises.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Rest of buildings such as non-multi-purpose premises and hotels.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;ii.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:7.94pt"&gt;Urban and developable ordered land.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;iii.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.91pt"&gt; Rest of properties that classify as: buildings and building elements under construction, such as property development in progress and halted development, and the rest of land types, such as rustic lands.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b)&#160;&#160;&#160;&#160;Collateral guarantees on financial instruments in the form of cash deposits, debt securities or equity instruments issued by creditworthy issuers.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;c)&#160;&#160;&#160;&#160;Other types of real guarantees, including properties received in guarantee and second and subsequent mortgages on properties, as long as the entity demonstrates its effectiveness. When assessing the effectiveness of the second and subsequent mortgages on properties the entity will implement particularly restrictive criteria. It will take into account, among others, whether the previous charges are in favour of the entity itself or not and the relationship between the risk guaranteed by them and the property value.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;d)&#160;&#160;&#160;&#160;Personal guarantees, as well as the incorporation of new owners, covering the entire amount of the financial instruments and implying direct and joint liability to the entity of persons or other entities whose solvency is sufficiently proven to ensure the repayment of the loan on the agreed terms.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The different aspects that the Group considers for the evaluation of effective guarantees are set out below in relation to the individual analysis.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i31f6193db9db45db9ab2d4646cdb5ac2"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Financial instruments presentation&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For the purposes of estimating the impairment amount, and in accordance with its internal policies, the Group classifies its financial instruments (financial assets, commitments and guarantees) measured at amortised cost or fair value through other comprehensive income in one of the following categories:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Normal Risk ('stage 1'): includes all instruments that do not meet the requirements to be classified in the rest of the categories.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Normal risk under watchlist ('stage 2'): includes all instruments that, without meeting the criteria for classification as doubtful or default risk, have experienced significant increases in credit risk since initial recognition.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In order to determine whether a financial instrument has increased its credit risk since initial recognition and is to be classified in stage 2, the Group considers the following criteria:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:79.147%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Quantitative criteria&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the risk of a default occurring through the expected life of the financial instrument are analysed and quantified with respect to its credit level in its initial recognition.&lt;br/&gt;&lt;/span&gt;&lt;span style="font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&lt;br/&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;With the purpose of determining if such changes are considered as significant, with the consequent classification into stage 2, each Group unit has defined the quantitative thresholds to consider in each of its portfolios taking into account corporate guidelines ensuring a consistent interpretation in all units.&lt;br/&gt;&lt;/span&gt;&lt;span style="font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&lt;br/&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Within the quantitative thresholds, two types are considered: A relative threshold is those that compare current credit quality with credit quality at the time of origination in percentage terms of change. In addition, an absolute threshold compares both references in total terms, calculating the difference between the two. These absolute/relative concepts are used homogeneously (with different values) in all geographies. The use of one type of threshold or another (or both) is determined in accordance with the process described in note 54, below, and is marked by the type of portfolio and characteristics such as the starting point of the average credit quality of the portfolio.&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Qualitative criteria&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-top:2pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:110%"&gt;In addition to the quantitative criteria indicated, various indicators are used that are aligned with those used by the Group in the normal management of credit risk. Irregular positions of more than 30 days and renewals are common criteria in all Group units. In addition, each unit can define other qualitative indicators, for each of its portfolios, according to the particularities and normal management practices in line with the policies currently in force (i.e. use of management alerts, etc.).&lt;br/&gt;The use of these qualitative criteria is complemented with the use of an expert judgement, under the corresponding governance.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the case of forbearances, instruments classified as 'normal risk under watchlist' may be generally reclassified to 'normal risk' in the following circumstances: at least two years have elapsed from the date of reclassification to that category or from its forbearance date, the client has paid the accrued principal and interest balance, and the client has no other instruments with more than 30 days past due balances.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Doubtful Risk ('stage 3'): includes financial instruments, overdue or not, in which, without meeting the circumstances to classify them in the category of default risk, there are reasonable doubts about their total repayment (principal and interests) by the client in the terms contractually agreed. Likewise, off-balance-sheet exposures whose payment is probable and their recovery doubtful are considered in stage 3. Within this category, two situations are differentiated:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Doubtful risk for non-performing loans: financial instruments, irrespective of the client and guarantee, with balances more than 90 consecutive days on material arrears for principal, interest or expenses contractually agreed. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This category also includes all loan balances for a client  when the operations with more than 90 consecutive days on material arrears are greater than 20% of the amounts pending collection. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;These instruments may be reclassified to other categories if, as a result of the collection of part of the past due balances, the reasons for their classification in this category do not remain and the client does not have balances more than 90 consecutive days on material arrears in other loans.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Doubtful risk for reasons other than non-performing loans: this category includes doubtful recovery financial instruments that are not more than 90 consecutive days on material arrears.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander considers that a financial instrument to be doubtful for reasons other than delinquency when one or more combined events have occurred with a negative impact on the estimated future cash flows of the financial instrument. To this end, the following indicators, among others, are considered:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.31pt"&gt;Negative net equity or decrease because of losses of the client's net equity by at least 50% during the last financial year.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.01pt"&gt;Continued losses or significant decrease in revenue or, in general, in the client's recurring cash flows.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;c)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.92pt"&gt;Generalised delay in payments or insufficient cash flows to service debts.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;d)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.01pt"&gt;Significantly inadequate economic or financial structure or inability to obtain additional financing by the client.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;e)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.25pt"&gt;Existence of an internal or external credit rating showing that the client is in default.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;f)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.73pt"&gt;Existence of overdue customer commitments with a significant amount to public institutions or employees.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;These financial instruments may be reclassified to other categories if, as a result of an individualised study, reasonable doubts do not remain about the total repayment under the contractually agreed terms and the client does not have balances of 90 days on material arrears.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the case of forbearances, instruments classified as doubtful risk may be reclassified to the category of 'normal risk under watchlist' when the following circumstances are present: a minimum period of one year has elapsed from the forbearance date, the client has paid the accrued principal and interest amounts, and the client has no other loan balances of 90 days on material arrears.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Default Risk: includes all financial assets, or part of them, for which, after an individualised analysis, their recovery is considered remote due to a notorious and irrecoverable deterioration of their solvency.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In any event, except in the case of financial instruments with effective collateral covering a substantial portion of the transaction amount, the Group generally consider as remote the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:18pt;text-indent:-6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;- Those operations that, after an individualized analysis, are categorized as unsustainable debt, assuming an irrecoverability of such debt.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:18pt;text-indent:-6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;- Transactions classified as doubtful due to non-performing loans with recovery costs that exceed the amounts receivable.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:18pt;text-indent:-6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;- The operations on which the award is executed. The queue of these operations shall be included under default risk, as the recovery of the flows, provided that no further guarantees associated with the operation remain after the award of the property.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:18pt;text-indent:-6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;- Those operations on which a deduction is made, the portion of the operation corresponding to that deduction, will be given as a balance at the time of signature.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;A financial asset amount is maintained in the balance sheet until they are considered as a 'default risk', either all or a part of it, and the write-off is registered against the balance sheet.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the case of operations that have only been partially derecognised, for forgiveness reasons or because part of the total balance is considered unrecoverable, the remaining amount shall be fully classified in the category of 'doubtful risk', except where duly justified.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The classification of a financial asset, or part of it, as a 'default risk' does not involve the disruption of negotiations and legal proceedings to recover the amount.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="iccd172da29b94981aac9cadfebbc7e65"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iii. Impairment valuation assessment&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander has policies, methods and procedures in place to hedge its credit risk, both due to the insolvency attributable to counterparties and its residence in a specific country. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;These policies, methods and procedures are applied in the concession, study and documentation of financial assets, commitments and guarantees, as well as in the identification of their impairment and in the calculation of the amounts needed to cover their credit risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The impairment represents the best estimation of the financial assets expected credit losses at the balance sheet date, assessed both individually and collectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Individually: for the purposes of estimating the provisions for credit risk arising from the insolvency of a financial instrument, the Group individually assesses impairment by estimating the expected credit losses on those financial instruments that are considered to be significant and with sufficient information to make such an estimate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Therefore, this classification mostly includes wholesale banking customers &#x2014;Corporations, specialised financing&#x2014; as well as some of the largest companies &#x2014;Chartered and real estate developers&#x2014; from retail banking. The determination of the perimeter in which the individualised estimate is applied is detailed in a later section.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The individually assessed impairment estimate is equal to the difference between the gross carrying amount of the financial instrument and the estimated value of the expected cash flows receivable discounted using the original effective interest rate of the transaction. The estimate of these cash flows takes into account all available information on the financial asset and the effective guarantees associated with that asset. This estimation process is detailed below.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Collectively: the Group also assesses impairment by estimating the expected credit losses collectively in cases where they are not assessed on an individual basis. This includes, for example, loans with individuals, sole proprietors or businesses in retail banking  subject to a standardised risk management.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For the purposes of the collective assessment of expected credit losses, the Group has consistent and reliable internal models. For the development of these models, instruments with similar credit risk characteristics that are indicative of the debtors' capacity to pay are considered.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The credit risk characteristics used to group the instruments are, among others: type of instrument, debtor's sector of activity, geographical area of activity, type of guarantee, aging of past due balances and any other factor relevant to estimating the future cash flows.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander performs retrospective and monitoring tests to evaluate the reasonableness of the collective estimate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On the other hand, the methodology required to estimate the expected credit loss due to credit events is based on an unbiased and weighted consideration by the probability of occurrence of a series of scenarios, considering a range of three to five possible future scenarios, depending on the characteristics of each unit, which could have an impact on the collection of contractual cash flows, always taking into account the time value of money, as well as all available, reasonable and sustainable information on past events, current conditions and forecasts of the evolution of macroeconomic scenarios that are shown to be relevant for the estimation of this amount (for example: GDP (Gross Domestic Product), housing price, unemployment rate, etc.).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The estimation of expected losses requires expert judgment and the support of historical, current and future information. The probability of loss is measured considering past events, the present situation and future trends of macroeconomic scenarios.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander uses forward-looking information in both internal risk management and prudential regulation processes, so that for the calculation of the impairment loss allowance, various scenarios are incorporated that take advantage of the experience with such information, thus ensuring consistency in obtaining the expected loss.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The complexity of the estimation in this exercise has been derived from the current macroeconomic scenario as a consequence of the complex geopolitical situation, as well changes in inflations levels and interest rates, which has generated uncertainty in economic evolution.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander has internally ensured the criteria to be followed for guarantees received from government bodies, both through credit lines and other public guarantees, so that when they are adequately reflected in each of the contracts, they are recognised as mitigating factors of the potential expected losses, and therefore of the provisions to be recognised, based on the provisions of the applicable standard (IFRS 9 Par. B5.5.55). Furthermore, where applicable, these guarantees are appropriately reflected in the mitigation of the significant increase in risk, considering their nature as personal guarantees.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For the estimation of the parameters used in the estimation of impairment provisions -EAD (exposure at default), PD (probability of default), LGD (loss given default)-, the Group based its experience in developing internal models for the estimation of parameters both in the regulatory area and for management purposes, adapting the development of the impairment provision models under IFRS 9.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Exposure at default: is the amount of estimated risk incurred at the time of the counterparty's analysis.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Probability of default: is the estimated probability that the counterparty will default on its principal and/or interest payment obligations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Loss given default: is the estimate of the severity of the loss incurred in the event of non-compliance. It depends mainly on the updating of the guarantees associated with the operation and the future cash flows that are expected to be recovered.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In any case, when estimating the flows expected to be recovered, portfolio sales are included. It should be noted that due to the Group's recovery policy and the experience observed in relation to the prices of past sales of assets classified as stage 3 and/or default risk, there is no substantial divergence between the flows obtained from recoveries after performing recovery management of the assets with those obtained from the sale of portfolios of assets discounting structural expenses and other costs incurred.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The definition of default implemented by the Group for the purpose of calculating the impairment provision models is based on the definition in Article 178 of Regulation 575/2013 of the European Union (CRR), which is fully aligned with the requirements of IFRS 9, which considers that a 'default' exists in relation to a specific customer/contract when at least one of the following circumstances exists: the entity considers that there are reasonable doubts about the payment of all its credit obligations or that the customer/contract is in an irregular situation for more than 90 consecutive days past due material balances with respect to any significant credit obligation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander aligned partially and voluntarily during 2022 the accounting definition of Stage 3, as well as the calculation of impairment provision models, to the New Definition of Default, incorporating the criteria defined by the EBA in its implementation guide of the definition of default, capturing the economic deterioration of the operations (days in default - on a daily basis - and materiality thresholds - minimum amount in arrears). The alignment of criteria was done taking into account the criteria of IFRS 9 as well as the accounting principles of unbiased presentation of financial information. Grupo Santander registered an increase in the default rate at around 19 basis points, with no material impact on the provision figures for credit risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, the Group considers the risk generated in all cross-border transactions due to circumstances other than the usual commercial risk of insolvency (sovereign risk, transfer risk or risks arising from international financial activity, such as wars, natural catastrophes, balance of payments crisis, etc.).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;IFRS 9 includes a series of practical solutions that can be implemented by entities, with the aim of facilitating its implementation. In order to achieve a complete and high-level implementation of the standard, and following the best practices of the industry, the Group applies these practical solutions adapting them to their own characteristics and circumstances:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Rebuttable presumption that the credit risk has increased significantly, when payments are more than 30 days past due: this threshold is used as an additional, but not primary, indicator of significant risk increase. &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Assets with low credit risk at the reporting date: the Group adopts this practice prioritizing its reduced and punctual use and its systematic and periodic justification through quantitative evidence. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This information is provided in more detail in note 54.b.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i9c52c0a773f8484bac5280424038dcc7"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iv. Detail of individual estimate of impairment&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For the individual estimate of the assessment for impairment of the financial asset, the Group has a specific methodology to estimate the value of the cash flows expected to be collected:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Recovery through the debtor's ordinary activities (going approach).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Recovery through the execution and sale of the collateral guaranteeing the operations (gone approach).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Gone approach:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a. Evaluation of the effectiveness of guarantees&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander assesses the effectiveness of all the guarantees associated considering the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The time required to execute these guarantees.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Grupo Santander's ability to enforce or assert these guarantees in its favour.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The existence of limitations imposed by each local unit&#xb4;s regulation on the foreclosure of collateral.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Under no circumstances the Group considers that a guarantee is effective if its effectiveness depends substantially on the solvency of the debtor, as could be the case:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Promises of shares or other securities of the debtor himself when their valuation may be significantly affected by a debtor's default.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Personal cross-collateralisation: when the guarantor of a transaction is, at the same time, guaranteed by the holder of that transaction.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The different types of effective guarantees have been detailed in section i. Definition&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;text-indent:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b. Valuation of guarantees&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander assesses the guarantees on the basis of their nature in accordance with the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Mortgage guarantees on properties associated with financial instruments, using complete individual valuations carried out by independent valuation experts and under generally accepted valuation standards. If this is not possible, alternative valuations are used with duly documented and approved internal valuation models.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Personal guarantees are valued individually on the basis of the guarantor&#xb4;s updated information.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The rest of the guarantees are valued based on current market values.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;c. Adjustments to the value of guarantees and estimation of future cash flow inflows and outflows&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander applies a series of adjustments to the value of the guarantees in order to improve the reference values:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Adjustments based on the historical sales experience of local units for certain types of assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Individual expert adjustments based on additional management information.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Likewise, to adjust the value of the guarantees, the time value of money is taken into account based on the historical experience of each of the units, estimating:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Period of adjudication.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Estimated time of sale of the asset.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, the Group takes into account all those cash inflows and outflows linked to that guarantee until it is sold:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Possible future income commitments in favour of the borrower which will available after the asset is awarded.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Estimated foreclosure costs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Asset maintenance costs, taxes and community costs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Estimated marketing or sales costs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Finally, since it is considered that the guarantee will be sold in the future, the Group applies an additional adjustment ('index forward') in order to adjust the value of the guarantees to future valuation expectations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i51a0b477e28c414aa9b7a3fe6148a03a"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;v. Impairment individual assessment scope&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander determines the perimeter over which it makes an estimate of the assessment for impairment on an individual basis based on a relevance threshold set by each of the geographical areas and the stage in which the operations are located. In general, the Group applies the individualised calculation of expected losses to the significant exposures classified in stage 3, although Banco Santander, S.A. has also extended its analyses to some of the exposures classified in stage 2.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;It should be noted that, in any case and irrespective of the stage in which their transactions are carried out, for customers who do not receive standardised treatment, a relational risk management model is applied, with individualised treatment and monitoring by the assigned risk analyst. In addition to wholesale customers (Santander Corporate &amp;amp; Investment Banking or SCIB) and large companies, this relational management model also includes other segments of smaller companies for which there is information and capacity for more personalised and expert analysis and monitoring.  As indicated in the Group's wholesale credit model, the individual treatment of the client facilitates the continuous updating of information. The risk assumed must be followed and monitored throughout its life cycle, enabling anticipation and action to be taken in the event of possible impairments. In this way, the customer's credit quality is analysed individually, taking into account specific aspects such as his competitive position, financial performance, management, etc. In the wholesale risk management model, every customer with a credit risk position is assigned a rating, which has an associated probability of customer default. &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Thus, individual analysis of the debtor triggers a specific rating for each customer, which determines the appropriate parameters for calculating the expected loss, so that it is the rating itself that initially modulates the necessary coverage, adjusting the severity of the possible loss to the guarantees and other mitigating factors that the customer may have available. In addition, if as a result of this individualised monitoring of the customer, the analyst finally considers that his coverage is not sufficient, he has the necessary mechanisms to adjust it under his expert judgement, always under the appropriate governance.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory>
    <ifrs-full:DisclosureOfCreditRiskExplanatory contextRef="c-1" id="f-1298">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In order to determine whether a financial instrument has increased its credit risk since initial recognition and is to be classified in stage 2, the Group considers the following criteria:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:79.147%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Quantitative criteria&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the risk of a default occurring through the expected life of the financial instrument are analysed and quantified with respect to its credit level in its initial recognition.&lt;br/&gt;&lt;/span&gt;&lt;span style="font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&lt;br/&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;With the purpose of determining if such changes are considered as significant, with the consequent classification into stage 2, each Group unit has defined the quantitative thresholds to consider in each of its portfolios taking into account corporate guidelines ensuring a consistent interpretation in all units.&lt;br/&gt;&lt;/span&gt;&lt;span style="font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&lt;br/&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Within the quantitative thresholds, two types are considered: A relative threshold is those that compare current credit quality with credit quality at the time of origination in percentage terms of change. In addition, an absolute threshold compares both references in total terms, calculating the difference between the two. These absolute/relative concepts are used homogeneously (with different values) in all geographies. The use of one type of threshold or another (or both) is determined in accordance with the process described in note 54, below, and is marked by the type of portfolio and characteristics such as the starting point of the average credit quality of the portfolio.&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Qualitative criteria&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-top:2pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:110%"&gt;In addition to the quantitative criteria indicated, various indicators are used that are aligned with those used by the Group in the normal management of credit risk. Irregular positions of more than 30 days and renewals are common criteria in all Group units. In addition, each unit can define other qualitative indicators, for each of its portfolios, according to the particularities and normal management practices in line with the policies currently in force (i.e. use of management alerts, etc.).&lt;br/&gt;The use of these qualitative criteria is complemented with the use of an expert judgement, under the corresponding governance.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfCreditRiskExplanatory>
    <san:DefaultRateExpectedIncreasePercentage contextRef="c-1" decimals="4" id="f-1299" unitRef="number">0.0019</san:DefaultRateExpectedIncreasePercentage>
    <san:ImpactOnCreditRiskProvision contextRef="c-1" decimals="-6" id="f-1300" unitRef="eur">0</san:ImpactOnCreditRiskProvision>
    <ifrs-full:DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory contextRef="c-1" id="f-1301">'Non-current assets' and 'liabilities associated with non-current assets held for sale'&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Non-current assets held for sale' includes the carrying amount of individual items, disposal groups or items forming part of a business unit earmarked for disposal (discontinued operations), whose sale in their present condition is highly likely to be completed within one&#160;year from the reporting date. Therefore, the recovery of the carrying amount of these items&#160;-which can be of a financial nature or otherwise- will foreseeably be effected through the proceeds from their disposal.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Specifically, property or other non-current assets received by the consolidated entities as total or partial settlement of their debtors&#x2019; payment obligations to them are deemed to be 'Non-current assets held for sale', unless the consolidated entities have decided to make continuing use of these assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;'Liabilities associated with non-current assets held for sale' includes the balances payable arising from the assets held for sale or disposal groups and from discontinued operations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;'Non-current assets and disposal groups of items that have been classified as held for sale' are generally recognised at the date of their allocation to this category and are subsequently valued at the lower of their fair value less costs to sell or its book value. 'Non-current assets and disposal groups of items that are classified as held for sale' are not amortised as long as they remain in this category.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The valuation of the portfolio of non-current assets held for sale has been made in compliance with the requirements of International Financial Reporting Standards in relation to the estimate of the fair value of tangible assets and the value-in-use of financial assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The value of the portfolio is determined as the sum of the values of the individual elements that compose the portfolio, without considering any total or batch grouping in order to correct the individual values.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For the purposes of its consideration in initial recognition, the Group obtains, at the time of award, the fair value of the corresponding asset by requesting an appraisal from external valuation agencies.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander has in place a corporate policy that ensures the professional competence and the independence and objectivity of the external appraisal agencies, in accordance with the regulations, which require appraisal agencies to meet independence, neutrality and credibility requirements, so that the use of their estimates does not reduce the reliability of its valuations. &lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This policy establishes that all the appraisal companies and agencies with which the Group works in Spain should be registered in the Official Register of the Bank of Spain and that the appraisals performed by them should follow the methodology established in Order ECO/805/2003, of 27 March. The main appraisal companies and agencies with which the Group worked in Spain in 2025 are as follows: Tinsa Tasaciones Inmobiliarias, S.A.U., Sociedad de Tasaci&#xf3;n, S.A., Global Valuation, S.A.U., Instituto de Valoraciones, S.A., Euroevaluaciones, S.A. and Valoraciones Mediterr&#xe1;neo, S.A. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Also, this policy establishes that the various subsidiaries abroad work with appraisal companies that have recent experience in the area and the type of asset under appraisal and meet the independence requirements established in the corporate policy. They should verify, inter alia, that the appraisal company is not a party related to the Group and that its billings to the Group in the last twelve&#160;months do not exceed 15% of the appraisal company&#x2019;s total billings.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025 the fair value less costs to sell of non-current assets held for sale exceeded their carrying amount by EUR 551 million (EUR 553 million at 31 December 2024); however, in accordance with the accounting standards, this unrealised gain could not be recognised.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Banco Santander, in compliance with Bank of Spain Circular 4/2017, and subsequent amendments, on public and private financial reporting standards and financial statement models, has developed a methodology that enables it to estimate the fair value and costs of sale of assets foreclosed or received in payment of debts. This methodology is based on the classification of the portfolio of foreclosed assets into different segments. Segmentation enables the intrinsic characteristics of Banco Santander's portfolio of foreclosed assets to be differentiated, so that assets with homogeneous characteristics are grouped by segment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Thus, the portfolio is segmented into (i) finished assets of a residential and tertiary nature, (ii) developments in progress and (iii) land.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline"&gt;1&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:121%"&gt;In determining the critical segments in the overall portfolio, assets are classified on the basis of the nature of the asset and its stage of development. This segmentation is made in order to seek the liquidation of the asset (which should be carried out in the shortest possible time).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;When making decisions, the situation and/or characteristics of the asset are fundamentally taken into account, as well as the evaluation of all the determining factors that favour the recovery of the debt. For them, the following aspects are analyzed, among others:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The time that has elapsed since the adjudication.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The transferability and contingencies of the foreclosed asset.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The economic viability from the real estate point of view with the necessary investment estimate.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The expenses that may arise from the marketing process.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The offers received, as well as the difficulties in finding buyers.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the case of real estate assets foreclosed in Spain, which represent 76% of the Group&#x2019;s total non-current assets held for sale, the valuation of the portfolio is carried out by applying the following models:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Market Value Model used in the valuation of finished properties of a residential nature (mainly homes and car parks) and properties of a tertiary nature (offices, commercial premises and multipurpose buildings). For the valuation of finished assets whose availability for sale is immediate, a market sale value provided by a third party external to Banco Santander is considered, calculated under the AVM methodology by the comparable properties method adjusted by our experience in selling similar assets, given the term, price, volume, trend in the value of these assets and the time elapsing until their sale and discounting the estimated costs of sale.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The market value is determined on the basis of the definition established by the International Valuation Standards drawn up by the IVSC (International Valuation Standards Council), understood as the estimated amount for which an asset or a liability should be exchanged on the measurement date between a willing buyer and a willing seller, in an arm's length transaction, after appropriate marketing, and in which the parties have acted with sufficient information, prudently and without coercion.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The current market value of the properties is estimated on the basis of automated valuations obtained by taking comparable properties as a reference; simulating the procedure carried out by an appraiser in a physical valuation according to Order ECO 805/2003: selection of properties and obtaining the unit value by applying homogenisation adjustments. The selection of the properties is carried out by location within the same real estate cluster and according to the characteristics of the properties, filtering by type&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline"&gt;2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;, surface area range and age. The model enables a distinction to be made within the municipality under study as to which areas are similar and comparable and therefore have a similar value in the property market, discriminating between which properties are good comparators and which are not.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Adjustments to homogenize the properties are made according to: (i) the age of the property according to the age of the property to be valued, (ii) the deviation of the built area from the common area with respect to the property to be valued and (iii) by age of the date of capture of the property according to the price evolution index of the real estate market.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, for individually significant assets, complete individual valuations are carried out, including a visit to the asset, market analysis (data relating to supply, demand, current sale or rental price ranges and supply-demand and revaluation expectations) and an estimate of expected income and costs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;1. The assets in a situation of 'stopped development' are included under 'land&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:9.07pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;2. Assets qualified as protected housing are taken into account. The maximum legal value of these assets is determined by the VPO module, obtained from the result of multiplying the State Basic Module (MBE) by a zone coefficient determined by each autonomous community. To carry out the valuation of a protected property, the useful surface area is used in accordance with current regulations.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%"&gt;For this segmentation of assets, when they are completed, the real costs are known and the actual expenses for the marketing and sale of the asset must be taken into account. Therefore, Banco Santander uses the actual costs in its calculation engine or, failing that, those estimated on the basis of its observed experience.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Market Value Model according to Evolution of Market Values used to update the valuation of developments in progress. The valuation model estimates the current market value of the properties based on complete individual valuations by third parties, calculated from the values of the feasibility studies and development costs of the promotion, as well as the selling costs, distinguishing by location, size and type of property. The inputs used in the valuation model for residential assets under construction are actual revenues and costs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For this purpose, in order to calculate the investment flows, Banco Santander considers, on the basis of the feasibility studies, the expenditure required for construction, the professional fees relating to the project and to project management, the premiums for mandatory building insurance, the developer's administrative expenses, licenses, taxes on new construction and fees, and urban development charges.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;With respect to the calculation of income flows, Banco Santander takes into account the square metres built, the number of homes under construction and the estimated selling price over 1.5 years.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The market value will be the result of the difference between the income flows and the investment flows estimated at each moment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Land Valuation model. The methodology followed by the Group regarding land valuation consists of updating the individual reference valuation of each of the land on an annual basis, through updated valuation valuations carried out by independent professionals and following the methodology established in the Order ECO/805/2003, of 27 March, whose main verifications in the case of land valuation, regardless of the degree of urbanisation of the land, correspond to:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Visual verification of the assessed property.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Registry description.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Urban planning.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Visible easements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Visible state of occupation, possession, use and exploitation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Protection regime.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Apparent state of preservation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Correspondence with cadastral property.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Existence of expropriation procedure, expropriation plan or project, administrative resolution or file that may lead to expropriation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Expiry of the urbanization or building deadlines.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Existence of a procedure for failure to comply with obligations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Verification of surfaces.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For the purposes of valuation, the land will be classified in the following levels:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Level I: It will include all the lands that do not belong to level II.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Level II: It shall include land classified as undeveloped where building is not allowed for uses other than agriculture, forestry, livestock or linked to an economic exploitation permitted by the regulations in force. Also included are lands classified as developable that are not included in a development area of urban planning or that, in such an area, the conditions for its development have not been defined.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In those cases where the Group does not have an updated reference value through an ECO valuation for the current year, we use as a reference value the latest available ECO valuation reduced or corrected by the average annual coverage ratio of the land on which we have obtained an updated reference value, through an ECO valuation. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander applies a discount to the aforementioned reference values that takes into account both the discount on the reference value in the sales process and the estimated costs of marketing or selling the land; discount on reference value = % discount on sales + % marketing costs being:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;% discount on Sales: = 100 - (sales price / updated appraisal value).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;marketing costs: calculated on the basis of our historical experience in sales and in accordance with the marketing management fees negotiated with our suppliers of this type of service.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In this way the Group obtains the corrected market value, an amount that we compare with the net cost of each piece of land to determine its correct valuation and conclude with our valuation process.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, in relation to the previously mentioned valuations, less costs to sell, are contrasted with the sales experience of each type of asset in order to confirm that there is no significant difference between the sale price and the valuation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Impairment losses on an asset or disposal group arising from a reduction in its carrying amount to its fair value (less costs to sell) are recognised under 'Gains or (losses) on non-current assets held for sale not classified as discontinued operations' in the consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The gains on a non-current asset held for sale resulting from subsequent increases in fair value (less costs to sell) increase its carrying amount and are recognised in the consolidated income statement up to an amount equal to the impairment losses previously recognised.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory>
    <san:MaximumBillingsPercentage contextRef="c-1" decimals="2" id="f-1302" unitRef="number">0.15</san:MaximumBillingsPercentage>
    <san:UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale contextRef="c-2" decimals="-6" id="f-1303" unitRef="eur">551000000</san:UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale>
    <san:UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale contextRef="c-3" decimals="-6" id="f-1304" unitRef="eur">553000000</san:UnrealizedGainLossOfFairValueLessCostsToSellOfNonCurrentAssetsHeldForSale>
    <san:NonCurrentAssetsClassifiedAsHeldForSalePercentage
      contextRef="c-307"
      decimals="2"
      id="f-1305"
      unitRef="number">0.76</san:NonCurrentAssetsClassifiedAsHeldForSalePercentage>
    <ifrs-full:DescriptionOfAccountingPolicyForReinsuranceExplanatory contextRef="c-1" id="f-1306">Assets under reinsurance contracts and Liabilities under insurance contracts&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group has prepared the accounting policy that establishes the criteria for recording insurance contracts, in accordance with IFRS 17. This standard defines insurance contracts as contracts under which one party accepts a significant insurance risk from another party by agreeing to compensate the policyholder if a specific uncertain future event negatively affects the policyholder. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;IFRS 17 requires a level of aggregation of contracts that the Group identifies in portfolios of contracts with similar risks and that are managed jointly. The Group then divides each portfolio into a minimum of three groups: (i) contracts that are onerous on initial recognition; (ii) contracts that, upon initial recognition, have no significant possibility of subsequently becoming onerous; and (iii) any remaining contract.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For contracts that are considered not to be onerous, a profit margin is recognized in the profit and loss account (referred to as 'Contractual Service Margin' or 'CSM') throughout the period in which the entity performs the service. However, if at the time of initial recognition, or during the period in which the entity performs the service, the contract is onerous, the entity recognizes the loss in the income statement. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Contract limits define the term up to which compliance cash flows must be considered in order to measure an insurance contract. Fulfilment cash flows comprise an unbiased, probability-weighted estimate of future cash flows, a discount adjustment to the present value to reflect the time value of money for monetary and financial risks, and a risk adjustment for non-fulfilment risks. financial. The identification of the contractual limit under IFRS 17 is essential not only for measuring the fulfilment cash flows of a group of contracts, but also for determining the applicable measurement model, in case the contractual limits are identified in a year or more.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Cash flows are within the contractual limit of an insurance contract if they arise from substantial rights and obligations that exist during the reporting period, in which the entity can obligate the insurance policyholder to pay premiums or in which the entity has a substantive obligation to provide services to the insured. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group has carried out an analysis of the limits of insurance and reinsurance contracts under IFRS 17, separately, generally applying the General Model (Building Block Approach) to all contracts, except those eligible to be valued by the Simplified Model (Premium Allocation Approach), or the Variable Commission Approach ('VCA' or Variable Fee Approach). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The general model measures a group of contracts as the sum of the fulfilment cash flows and the Contractual Service Margin. The CSM represents benefits not yet recorded that the entity will recognize as providing services under the insurance contract.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Insurance contracts with direct participation apply the VCA as a modified version of the General Model. This should reduce the volatility of results due to the asymmetry between the accounting treatment of the profit and losses of the underlying items attributable to the policyholders and the accounting treatment of the liability owed to those policyholders. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Another aspect considered in measuring the present value of the future cash flows of a group of insurance contracts is the discount &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;rate applied to reflect the time value of money and the financial risks related to those cash flows. The Group has established a generally chosen methodology and guarantees that the calculation components have a homogeneous basis, previously approved by the Group, establishing the base curves provided by the Group and allowing adjustments to these curves based on the expert criteria of each local address.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Likewise, measuring compliance cash flows requires a risk adjustment for non-financial risk. Risk adjustment for non-financial risk is the compensation necessary to withstand uncertainty about the amount and timing of cash flows arising from non-financial risks. If a change in the assumptions occurs, it could affect the income statement or the Other comprehensive income, depending on its nature. The risks covered by the risk adjustment for non-financial risk are insurance risk and other non-financial risks, such as interruption risk and expense risk.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForReinsuranceExplanatory>
    <ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory contextRef="c-1" id="f-1307">Tangible assets&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Tangible assets includes the amount of buildings, land, furniture, vehicles, computer hardware and other fixtures owned by the consolidated entities or acquired under finance leases. Tangible assets are classified by use as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ib2f05474c0d844f49d5d7c7a377f5dc0"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Property, plant and equipment for own use&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Property, plant and equipment for own use&#160;&#x2013; including tangible assets received by the consolidated entities in full or partial satisfaction of financial assets representing receivables from third parties which are intended to be held for continuing use and tangible assets acquired under finance leases&#x2013; are presented at acquisition cost, less the related accumulated depreciation and any estimated impairment losses (carrying amount higher than recoverable amount).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Depreciation is calculated, using the straight-line method, on the basis of the acquisition cost of the assets less their residual value. The land on which the buildings and other structures stand has an indefinite life and, therefore, is not depreciated. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The annual tangible asset depreciation charge is recognised in the consolidated income statement and are essentially equivalent to the following amortization percentages (determined based on the years of estimated useful life, on average, of the different elements):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.332%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.468%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Average&lt;br/&gt;annual&#160;rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Buildings for own use&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.4&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Furniture&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fixtures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Office and IT equipment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23.6&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Lease use rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Less than the lease&lt;br/&gt;term or the useful life&lt;br/&gt;of the underlying asset&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At the end of each reporting period, consolidated entities assess whether there is any indication that the carrying amount of an asset exceeds its recoverable amount, in which case they write down the carrying amount of the asset to its recoverable amount and adjust future depreciation charges in proportion to its adjusted carrying amount and to its new remaining useful life, if the useful life needs to be re-estimated.&lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Similarly, if there is an indication of a recovery in the value of a tangible asset, the consolidated entities recognise the reversal of the impairment loss recognised in prior periods and adjust the future depreciation charges accordingly. In no circumstances may the reversal of an impairment loss on an asset raise its carrying amount above that which it would have if no impairment losses had been recognised in prior years.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The estimated useful lives of the items of property, plant and equipment for own use are reviewed at least at the end of the reporting period with a view to detecting significant changes therein. If changes are detected, the useful lives of the assets are adjusted by correcting the depreciation charge to be recognised in the consolidated income statement in future years on the basis of the new useful lives.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Upkeep and maintenance expenses relating to property, plant and equipment for own use are recognised as an expense in the period in which they are incurred, since they do not increase the useful lives of the assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i7a85c7851c4b4ffcb8804bcfad57748e"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Investment property&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;'Investment property' reflects the net values of the land, buildings and other structures held either to earn rentals or for obtaining profits by sales due to future increase in market prices.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The criteria used to recognise the acquisition cost of investment property, to calculate its depreciation and its estimated useful life and to recognise any impairment losses thereon are consistent with those described in relation to property, plant and equipment for own use.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the case of investment properties that support obligations to pay a return directly linked to fair value, or to the returns of certain assets including the investment property itself, such properties are measured using the fair value model.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In order to evaluate the possible impairment Grupo Santander determines periodically the fair value of its investment property so that, at the end of the reporting period, the fair value reflects the market conditions of the investment property at that date. This fair value is determined annually, taking as benchmarks the valuations performed by independent experts. The methodology used to determine the fair value of investment property is selected based on the status of the asset in question; thus, for properties earmarked for lease, the valuations are performed using the sales comparison approach, whereas for leased properties the valuations are made primarily using the income capitalisation approach and, exceptionally, the sales comparison approach.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the sales comparison approach, the property market segment for comparable properties is analysed, inter alia, and, based on specific information on actual transactions and firm offers, current prices are obtained for cash sales of those properties. The valuations performed using this approach are considered as Level 2 valuations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the income capitalisation approach, the cash flows estimated to be obtained over the useful life of the property are discounted taking into account factors that may influence the amount and actual obtainment thereof, such as: (i) the payments that are normally received on comparable properties; (ii) current and probable future occupancy; (iii) the current or foreseeable default rate on payments. The valuations performed using this approach &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;are considered as Level 3 valuations, since significant unobservable inputs are used, such as current and probable future occupancy and/or the current or foreseeable default rate on payments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i6f8e1d7c99f048ef8f1577acde4dd1f9"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iii. Assets leased out under an operating lease&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;'Property, plant and equipment'&#160;- Leased out under an operating lease reflects the amount of the tangible assets, other than land and buildings, leased out by the Group under an operating lease.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The criteria used to recognise the acquisition cost of assets leased out under operating leases, to calculate their depreciation and their respective estimated useful lives and to recognise the impairment losses thereon are consistent with those described in relation to property, plant and equipment for own use.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory>
    <ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory contextRef="c-1" id="f-1308">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The annual tangible asset depreciation charge is recognised in the consolidated income statement and are essentially equivalent to the following amortization percentages (determined based on the years of estimated useful life, on average, of the different elements):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.332%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.468%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Average&lt;br/&gt;annual&#160;rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Buildings for own use&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.4&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Furniture&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fixtures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Office and IT equipment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23.6&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Lease use rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Less than the lease&lt;br/&gt;term or the useful life&lt;br/&gt;of the underlying asset&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory>
    <ifrs-full:DepreciationRatePropertyPlantAndEquipment
      contextRef="c-308"
      decimals="3"
      id="f-1309"
      unitRef="number">0.024</ifrs-full:DepreciationRatePropertyPlantAndEquipment>
    <ifrs-full:DepreciationRatePropertyPlantAndEquipment
      contextRef="c-309"
      decimals="3"
      id="f-1310"
      unitRef="number">0.095</ifrs-full:DepreciationRatePropertyPlantAndEquipment>
    <ifrs-full:DepreciationRatePropertyPlantAndEquipment
      contextRef="c-310"
      decimals="3"
      id="f-1311"
      unitRef="number">0.095</ifrs-full:DepreciationRatePropertyPlantAndEquipment>
    <ifrs-full:DepreciationRatePropertyPlantAndEquipment
      contextRef="c-311"
      decimals="3"
      id="f-1312"
      unitRef="number">0.236</ifrs-full:DepreciationRatePropertyPlantAndEquipment>
    <ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory contextRef="c-1" id="f-1313">Accounting for leases&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The main aspects contained in the regulation (IFRS 16) adopted by the Group are included below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;When the Group acts as lessee, it recognises a right-of-use asset representing its right to use the underlying leased asset with a corresponding lease liability on the date on which the leased asset is available for use by the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Each lease payment is allocated between liability and finance charge. The finance charge is allocated to the income statement during the term of the lease in such a way as to produce a constant periodic interest rate on the remaining balance of the liability for each year.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The right-of-use asset is depreciated over the useful life of the asset or the lease term, whichever is shorter, on a straight-line basis. If the Group is reasonably certain to exercise a purchase option, the right-of-use asset is amortized over the useful life of the underlying asset. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Assets and liabilities arising from a lease are initially measured at present value. Lease liabilities include the net present value of the following lease payments:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Fixed payments (including inflation-linked payments), less any lease incentive receivable.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Variable lease payments that depend on an index or rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;The amounts expected to be paid by the lessee under residual value guarantees.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;The exercise price of a purchase option if the lessee is reasonably certain that it will exercise that option.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Lease termination penalty payments, if the term of the lease reflects the lessee's exercise of that option.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Lease payments are discounted using the interest rate implicit in the lease. When this interest rate cannot be obtained, the interest rate used in these cases, is the lessee's incremental borrowing rate at the related date. For this purpose, the entity has calculated this incremental borrowing rate taking as reference the listed debt instruments issued by the Group; in this regard, the Group has estimated different interest rate curves depending on the currency and economic environment in which the contracts are located. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In order to construct the incremental borrowing rate, a methodology has been developed at the corporate level. This &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;methodology is based on the need for each entity to consider its economic and financial situation, for which the following factors must be considered:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Economic and political situation (country risk).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Credit risk of the company.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Monetary policy.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Volume and seniority of the company&#x2019;s debt instrument issues.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The incremental borrowing rate is defined as the interest rate that a lessee would have to pay for borrowing, given a similar period to the duration of the lease and with similar security, the funds necessary to obtain an asset of similar value to the right-of-use asset in a similar economic environment. The Group entities have a wide stock and variety of financing instruments issued in different currencies to that of the euro (pound, dollar, etc.) that provide sufficient information to be able to determine an 'all in rate' (reference rate plus adjustment for credit spread at different terms and in different currencies).  In circumstances, where the leasing company has its own financing, this has been used as the starting point for determining the incremental borrowing rate. On the other hand, for those Grupo Santander entities that do not have their own financing, the information from the financing of the consolidated subgroup to which they belong was used as the starting point for estimating the entity's curve, analysing other factors to assess whether it is necessary to make any type of negative or positive adjustment to the initially estimated credit spread.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Right-of-use assets are valued at cost which includes the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;The amount of the initial measurement of the lease liability.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Any lease payment made at or before the commencement date less any lease incentive received.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Any initial direct costs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Restoration costs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group recognises the payments associated with short-term leases and leases of low-value assets on a straight-line basis as an expense in the income statement. Short-term leases are leases with a lease term less than or equal to 12 months (a lease that contains a purchase option is not a short term lease).&lt;/span&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory>
    <ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory contextRef="c-1" id="f-1314">Intangible assets&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Intangible assets are identifiable non-monetary assets (separable from other assets) without physical substance which arise as a result of a legal transaction or which are developed internally by the consolidated entities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Only assets whose cost can be measured reliably and it is likely that the consolidated entities obtain future economic benefits are recognised.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Intangible assets are recognised initially at acquisition or production cost and are subsequently measured at cost less any accumulated amortisation and any accumulated impairment losses.&lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ia2fb0f774fdb4b1eb81bb870a8df5761"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Goodwill&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Any excess of the cost of the investments in the consolidated entities and entities accounted for using the equity method over the corresponding underlying carrying amounts acquired, adjusted at the date of first-time consolidation, is allocated as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt"&gt;If it is attributable to specific assets and liabilities of the companies acquired, by increasing the value of the assets (or reducing the value of the liabilities) whose fair values were higher (lower) than the carrying amounts at which they had been recognised in the acquired entities&#x2019; balance sheets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt"&gt;If it is attributable to specific intangible assets, by recognising it explicitly in the consolidated balance sheet provided that the fair value of these assets within twelve months following the date of acquisition can be measured reliably.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;c.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.48pt"&gt;The remaining amount is recognised as goodwill, which is allocated to one or more cash-generating units (CGU) (a cash-generating unit is the smallest identifiable group of assets that, as a result of continuing operation, generates cash inflows that are largely independent of the cash inflows from other assets or groups of assets). The cash-generating units represent the Group&#x2019;s geographical and/or business segments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Goodwill (only recognised when it has been acquired by consideration) represents, therefore, a payment made by the acquirer in anticipation of future economic benefits from assets of the acquired entity that are not capable of being individually identified and separately recognised.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At the end of each annual reporting period or whenever there is any indication of impairment goodwill is reviewed for impairment (i.e. a reduction in its recoverable amount to below its carrying amount) and, if there is any impairment, the goodwill is written down with a charge to 'Impairment or reversal of impairment on non-financial assets, net - Intangible assets' in the consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;An impairment loss recognised for goodwill is not reversed in a subsequent period.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the event of sale or departure of an activity that is part of a CGU, the part of the goodwill that can be assigned to said activity would be written-off, taking as a reference the relative value of the same over the total of the CGU at the time of sale or abandonment. If applicable, the distribution by currency of the remaining goodwill will be performed based on the relative values of the remaining activities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i225868c7bd5d45569442ef24309f1781"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Other intangible assets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Other intangible assets includes the amount of identifiable intangible assets, such as purchased customer lists and computer software.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Other intangible assets can have an indefinite useful life&#160;-when, based on an analysis of all the relevant factors, it is concluded that there is no foreseeable limit to the period over which the asset is expected to generate net cash inflows for the consolidated entities- or a finite useful life, in all other cases.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Intangible assets with indefinite useful lives are not amortised, but rather at the end of each reporting period or whenever there is any indication of impairment the consolidated entities review the remaining useful lives of the assets in order to determine whether they continue to be indefinite and, if this is not the case, to take the appropriate steps.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Intangible assets with finite useful lives are amortised over those useful lives using methods similar to those used to depreciate tangible assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The intangible asset amortisation charge is recognised under 'Depreciation and amortisation' in the consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In both cases the consolidated entities recognise any impairment loss on the carrying amount of these assets with a charge to 'Impairment or reversal of impairment on non-financial assets, net - Intangible assets in the consolidated' income statement. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The criteria used to recognise the impairment losses on these assets and, where applicable, the reversal of impairment losses recognised in prior years are similar to those used for tangible assets (see note 2.k).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i89adc46db5f0489f88538dd2538c9ec3"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Internally developed computer software&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Internally developed computer software is recognised as an intangible asset if, among other requisites (basically the Group&#x2019;s ability to use or sell it), it can be identified and its ability to generate future economic benefits can be demonstrated.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Expenditure on research activities is recognised as an expense in the year in which it is incurred and cannot be subsequently capitalised into the carrying amount of the intangible asset.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory>
    <san:OtherAssetsPolicyPolicyTextBlock contextRef="c-1" id="f-1315">Other assets&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Other assets' in the consolidated balance sheet includes the amount of assets not recorded in other items, the breakdown being as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Inventories: this item includes the amount of assets, other than financial instruments, that are held for sale in the ordinary course of business, that are in the process of production, construction or development for such purpose, or that are to be consumed in the production process or in the provision of services. Inventories include land and other property held for sale in the property development business.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Inventories are measured at the lower of cost and net realisable value, which is the estimated selling price of the inventories in the ordinary course of business, less the estimated costs of completion and the estimated costs required to make the sale.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Any write-downs of inventories -such as those due to damage, obsolescence or reduction of selling price- to net realisable value and other impairment losses are recognised as expenses for the year in which the impairment or loss occurs. Subsequent reversals are recognised in the consolidated income statement for the year in which they occur.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The carrying amount of inventories is derecognised and recognised as an expense in the period in which the revenue from their sale is recognised.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;Other: this item includes the balance of all prepayments and accrued income (excluding accrued interest, fees and commissions), the net amount of the difference between pension plan obligations and the value of the plan assets with a balance in the entity&#x2019;s favour, when this net amount is to be reported in the consolidated balance sheet, and the amount of any other assets not included in other items.&lt;/span&gt;&lt;/div&gt;</san:OtherAssetsPolicyPolicyTextBlock>
    <san:OtherLiabilitiesPolicyPolicyTextBlock contextRef="c-1" id="f-1316">Other liabilities&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;'Other liabilities' includes the balance of all accrued expenses and deferred income, excluding those related to interests and fees on financial instruments, as well as the amount of any other liabilities not included in other categories.&lt;/span&gt;&lt;/div&gt;</san:OtherLiabilitiesPolicyPolicyTextBlock>
    <ifrs-full:DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory contextRef="c-1" id="f-1317">Provisions and contingent liabilities (assets)&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;When preparing the financial statements of the consolidated entities, Banco Santander makes a distinction between:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Provisions: credit balances covering present obligations at the reporting date arising from past events which could give rise to a loss for the consolidated entities, which is considered to be likely to occur and certain as to its nature but uncertain as to its amount and/or timing.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Contingent liabilities: possible obligations that arise from past events and whose existence will be confirmed only by the occurrence or non-occurrence of one or more future events not wholly within the control of the consolidated entities. They include the present obligations of the consolidated entities when it is not probable that an outflow of resources embodying economic benefits will be required to settle them. The Group does not recognise the contingent liability. The Group will disclose a contingent liability, unless the possibility of an outflow of resources embodying economic benefits is remote.   &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Irrevocable contingent payments (ICPs), corresponding to payment facilities allowed under the annual contributions of certain levies, are recorded in accordance with the definitions mentioned above. In this regard, on 14 November 2025, the Group learned that the CJEU had definitively resolved the dispute concerning the CPI contributions made by a financial institution to the Single Resolution Fund, upholding the judgment of the General Court of 25 October 2023, which ruled against said financial institution regarding its request for the return of guarantees linked to irrevocable payment commitments for a Group entity whose license had been withdrawn. In light of this ruling, it was concluded that it was not necessary to modify the accounting entries that the Santander Group has made when using these facilities to make contributions corresponding to this levy or to other similar levies that also allow for such contributions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Contingent assets: possible assets that arise from past events and whose existence is conditional on, and will be confirmed only by, the occurrence or non-occurrence of one or more uncertain future events not wholly within the control of the Group. Contingent assets are not recognised in the consolidated balance sheet or in the consolidated income statement, but rather are disclosed in the notes, provided that it is probable that these assets will give rise to an increase in resources embodying economic benefits.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander&#x2019;s consolidated financial statements include all the material provisions with respect to which it is considered that it is more likely than not the obligation will have to be settled. In accordance with accounting standards, contingent liabilities must not be recognised in the consolidated financial statements, but must rather be disclosed in the Notes.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Provisions (which are quantified on the basis of the best information available on the consequences of the event giving rise to them and are reviewed and adjusted at the end of each year) are used to cater for the specific obligations for which they were originally recognised. Provisions are fully or partially reversed when such obligations cease to exist or are reduced.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Provisions are classified according to the obligations covered as follows (see note 25):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;Provision for pensions and similar obligations: includes the amount of all the provisions made to cover post-employment benefits, including obligations to pre-retirees and similar obligations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;Provisions for contingent liabilities and commitments: include the amount of the provisions made to cover contingent liabilities&#160;-defined as those transactions in which the Group guarantees the obligations of a third party, arising as a result of financial guarantees granted or contracts of another kind- and contingent commitments&#160;-defined as irrevocable commitments that may give rise to the recognition of financial assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;Provisions for taxes and other legal contingencies and Other provisions: include the amount of the provisions recognised to cover tax and legal contingencies and litigation and the other provisions recognised by the consolidated entities. Other provisions includes, inter alia, any provisions for restructuring costs and environmental measures.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory>
    <ifrs-full:DescriptionOfAccountingPolicyForTreasurySharesExplanatory contextRef="c-1" id="f-1318">Own equity instruments&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Own equity instruments are those meeting both of the following conditions:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;The instruments do not include any contractual obligation for the issuer (i)&#160;to deliver cash or another financial asset to a third party; or (ii)&#160;to exchange financial assets or financial liabilities with a third party under conditions that are potentially unfavourable to the issuer.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;The instruments will or may be settled in the issuer&#x2019;s own equity instruments and are: (i)&#160;a non-derivative that includes no contractual obligation for the issuer to deliver a variable number of its own equity instruments; or (ii)&#160;a derivative that will be settled by the issuer through the exchange of a fixed amount of cash or another financial asset for a fixed number of its own equity instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Transactions involving own equity instruments, including their issuance and cancellation, are charged directly to equity.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Changes in the value of instruments classified as own equity instruments are not recognised in the consolidated financial statements. Consideration received or paid in exchange for such instruments, including the coupons on preference shares contingently convertible into ordinary shares and the coupons associated with CCPP, is directly added to or deducted from equity.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForTreasurySharesExplanatory>
    <ifrs-full:DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory contextRef="c-1" id="f-1319">Equity-instrument-based employee remuneration&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Own equity instruments delivered to employees in consideration for their services, if the instruments are delivered once the specific period of service has ended, are recognised as an expense for services (with the corresponding increase in equity) as the services are rendered by employees during the service period. At the grant date the services received (and the related increase in equity) are measured&#160;at the fair value of the equity instruments granted. If the equity instruments granted are vested immediately, Grupo Santander recognises in full, at the grant date, the expense for the services received.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;When the requirements stipulated in the remuneration agreement include external market conditions (such as equity instruments reaching a certain quoted price), the amount ultimately to be recognised in equity will depend on the other conditions being met by the employees (normally length of service requirements), irrespective of whether the market conditions are satisfied.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;If the conditions of the agreement are met but the external market conditions are not satisfied, the amounts previously recognised in equity are not reversed, even if the employees do not exercise their right to receive the equity instruments.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory>
    <san:DescriptionOfAccountingPolicyForIncomeAndExpensePolicyPolicyTextBlock contextRef="c-1" id="f-1320">Recognition of income and expenses&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The most significant criteria used by Grupo Santander to recognise its income and expenses are summarised as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ibf4716bbecf44f7f8a4ff4b91fb3b4b2"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Interest income, interest expenses and similar items&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Interest income, interest expenses and similar items are generally recognised on an accrual basis using the effective interest method. Dividends received from other companies are recognised as income when the consolidated entities&#x2019; right to receive them arises.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i97e5ba2789b24eaca2c11b4a64ef4dcd"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Commissions, fees and similar items&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Fee and commission income and expenses are recognised in the consolidated income statement using criteria that vary according to their nature. The main criteria are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;Fee and commission income and expenses relating to financial assets and financial liabilities measured at fair value through profit or loss are recognised when paid.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;Those arising from transactions or services that are performed over a period of time are recognised over the life of these transactions or services.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;Those relating to services provided in a single act are recognised when the single act is carried out.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i1ad1ca147be64d4daa8dcf680d939082"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iii. Non-finance income and expenses&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;They are recognised for accounting purposes when the good is delivered or the non-financial service is rendered. To determine the amount and timing of recognition, a five-step model is followed: identification of the contract with the customer, identification of the separate obligations of the contract, determination of the transaction price, distribution of the transaction price among the identified obligations and finally recording of income as the obligations are satisfied.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i416e1293a8bc4a7c93665c1788d244fd"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iv. Deferred collections and payments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;These are recognised for accounting purposes at the amount resulting from discounting the expected cash flows at market rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ie57539c46d224527a8527ef6146ed7f9"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;v. Loan arrangement fees&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Loan arrangement fees, mainly loan origination, application and information fees, are accrued and recognised in income over the term of the loan.&lt;/span&gt;&lt;/div&gt;</san:DescriptionOfAccountingPolicyForIncomeAndExpensePolicyPolicyTextBlock>
    <ifrs-full:DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory contextRef="c-1" id="f-1321">Financial guarantees&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Financial guarantees are considered contracts that require the issuer to make specific payments to reimburse the creditor for the loss it incurs when a specific debtor defaults on its due date payment obligation in accordance with the original or modified conditions of debt instrument, regardless of its legal form, which may be, among others, a deposit, financial guarantee, insurance contract or credit derivative.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander initially recognises the financial guarantees provided on the liability side of the consolidated balance sheet at fair value, which is generally the present value of the fees, commissions and interest receivable from these contracts over the term thereof, and simultaneously the Group recognises the amount of the fees, commissions and similar interest received at the inception of the transactions and a credit on the asset side of the consolidated balance sheet for the present value of the fees, commissions and interest outstanding.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Financial guarantees, regardless of the guarantor, instrumentation or other circumstances, are reviewed periodically so as to determine the credit risk to which they are exposed and, if appropriate, to consider whether a provision is required. The credit risk is determined by application of criteria similar to those established for quantifying impairment losses on debt instruments carried at amortised cost (described in note 2.g above).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The provisions made for these transactions are recognised under 'Provisions - Provisions for commitments and guarantees given in the consolidated balance sheet' (see note 25). These provisions are recognised and reversed with a charge or credit, respectively, to 'Provisions or reversal of provisions', net, in the consolidated income statement.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory>
    <san:AssetsUnderManagementPolicyPolicyTextBlock contextRef="c-1" id="f-1322">Assets under management and investment and pension funds managed by the Group&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Assets owned by third parties and managed by the consolidated entities are not presented on the face of the consolidated balance sheet. The investment funds and pension funds managed by the consolidated companies are also not presented in the Group's consolidated balance sheet, as they are owned by third parties.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The commissions generated by these activities are included in the balance of the 'Commission income' chapter of the consolidated profit and loss account.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Note&#160;2.b.iv describes the internal criteria and procedures used to determine whether control exists over the structured entities, which include, inter alia, investment funds and pension funds.&lt;/span&gt;&lt;/div&gt;</san:AssetsUnderManagementPolicyPolicyTextBlock>
    <ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory contextRef="c-1" id="f-1323">Post-employment benefits&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Under the collective agreements currently in force and other arrangements, the Spanish banks included in the Group and certain other Spanish and foreign consolidated entities have undertaken to supplement the public social security system benefits accruing to certain employees, and to their beneficiary right holders, for retirement, permanent disability or death, and the post-employment welfare benefits.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander's post-employment obligations to its employees are deemed to be defined contribution plans when the Group makes pre-determined contributions (recognised under Personnel expenses in the consolidated income statement) to a separate entity and will have no legal or effective obligation to make further contributions if the separate entity cannot pay the employee benefits relating to the service rendered in the current and prior periods. Post-employment obligations that do not meet the aforementioned conditions are classified as defined benefit plans (see note 25).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i4cb3919e9038469faf53a414b73798d8"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;Defined contribution plans&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The contributions made in this connection in each year are recognised under 'Personnel expenses' in the consolidated income statement. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The amounts not yet contributed at each year-end are recognised, at their present value, under 'Provisions - Provision for pensions' and similar obligations on the liability side of the consolidated balance sheet.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i6e144e0ac7a348d5988dd17df2992bbb"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;Defined benefit plans&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander recognises under 'Provisions&#160;- Provision for pensions and similar obligations on the liability side of the consolidated balance sheet' (or under 'Other assets' on the asset side, as appropriate) the present value of its defined benefit post-employment obligations, net of the fair value of the plan assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Plan assets are defined as those that will be directly used to settle obligations and that meet the following conditions:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;They are not owned by the consolidated entities, but by a legally separate third party that is not a party related to the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;They are only available to pay or fund post-employment benefits and they cannot be returned to the consolidated entities unless the assets remaining in the plan are sufficient to meet all the benefit obligations of the plan and of the entity to current and former employees, or they are returned to reimburse employee benefits already paid by Grupo Santander.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;If Grupo Santander can look to an insurer to pay part or all of the expenditure required to settle a defined benefit obligation, and it is practically certain that said insurer will reimburse some or all of the expenditure required to settle that obligation, but the insurance policy does not qualify as a plan asset, the Group recognises its right to reimbursement -which, in all other respects, is treated as a plan asset- under 'Insurance contracts linked to pensions' on the asset side of the consolidated balance sheet.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander will recognise the following items in the income statement:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Current service cost, (the increase in the present value of the obligations resulting from employee service in the current period), is recognised under 'Staff costs'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The past service cost, which arises from changes to existing post-employment benefits or from the introduction of new benefits and includes the cost of reductions, is recognised under 'Provisions or reversal of provisions'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Any gain or loss arising from a liquidation of the plan is included in the 'Provisions or reversion of provisions'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Net interest on the net defined benefit liability (asset), i.e. the change during the period in the net defined benefit liability (asset) that arises from the passage of time, is recognised under 'Interest expense' and similar charges ('Interest and similar income' if it constitutes income) in the consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The remeasurement of the net defined benefit liability (asset) is recognised in 'Other comprehensive income' under Items not reclassified to profit or loss and includes:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;Actuarial gains and losses generated in the&#160;year, arising from the differences between the previous actuarial assumptions and what has actually occurred and from the effects of changes in actuarial assumptions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;The return on plan assets, excluding amounts included in net interest on the net defined benefit liability (asset).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25aa;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:6.49pt"&gt;Any change in the effect of the asset ceiling, excluding amounts included in net interest on the net defined benefit liability (asset).&lt;/span&gt;&lt;/div&gt;Other long-term employee benefits&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Other long-term employee benefits, defined as obligations to pre-retirees&#160;-taken to be those who have ceased to render services at the entity but who, without being legally retired, continue to have economic rights vis-&#xe0;-vis the entity until they acquire the legal status of retiree-, long-service bonuses, obligations for death of spouse or disability before retirement that depend on the employee&#x2019;s length of service at the entity and other similar items, are treated for accounting purposes, where applicable, as established above for defined benefit post-employment plans, except that actuarial gains and losses are recognised under 'Provisions or reversal of provisions', net, in the consolidated income statement (see note&#160;25).&lt;/span&gt;&lt;/div&gt;Termination benefits&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Termination benefits are recognised when there is a detailed formal plan identifying the basic changes to be made, provided that implementation of the plan has begun, its main features have been publicly announced or objective facts concerning its implementation have been disclosed.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory>
    <ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory contextRef="c-1" id="f-1324">Income tax&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The expense for Spanish income tax and other similar taxes applicable to the foreign consolidated entities is recognised in the consolidated income statement, except when they arise from a transaction whose results are recognised directly in equity, in which case the related tax effect is recognised in equity.&lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The current income tax expense is calculated as the sum of the current tax resulting from application of the appropriate tax rate to the taxable profit for the year (net of any deductions allowable for tax purposes), and of the changes in deferred tax assets and liabilities recognised in the consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;'Deferred tax assets' and liabilities include temporary differences, which are identified as the amounts expected to be payable or recoverable on differences between the carrying amounts of assets and liabilities and their related tax bases, and tax loss and tax credit carryforwards. These amounts are measured at the tax rates that are expected to apply in the period when the asset is realised or the liability is settled.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;'Tax assets' include the amount of all tax assets, which are broken down into current&#160;-amounts of tax to be recovered within the next twelve&#160;months- and deferred&#160;-amounts of tax to be recovered in future&#160;years, including those arising from tax loss or tax credit carryforwards.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Tax liabilities' includes the amount of all tax liabilities (except provisions for taxes), which are broken down into current&#160;-the amount payable in respect of the income tax on the taxable profit for the&#160;year and other taxes in the next twelve&#160;months- and deferred&#160;-the amount of income tax payable in future&#160;years.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Deferred tax liabilities are recognised in respect of taxable temporary differences associated with investments in subsidiaries, associates or joint ventures, except when the Group is able to control the timing of the reversal of the temporary difference and, in addition, it is probable that the temporary difference will not reverse in the foreseeable future. In this regard, no deferred tax liabilities of EUR 321.9 million were recognised in relation to the taxation that would arise from the undistributed earnings of certain Group holding companies, in accordance with the legislation applicable in those jurisdictions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Deferred tax assets are only recognised for temporary differences to the extent that it is considered probable that the consolidated entities will have sufficient future taxable profits against which the deferred tax assets can be utilised, and the deferred tax assets do not arise from, in its initial recognition of (i)a business combination, (ii) an operation that does not affect either the tax result or the accounting result or (iii) on the date of the transaction, does not generate deductible and taxable temporary differences for the same amount (in which case assets and deferred tax liabilities). Other deferred tax assets (tax loss and tax credit carryforwards) are only recognised if it is considered probable that the consolidated entities will have sufficient future taxable profits against which they can be utilised.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Differences generated by the different accounting and tax treatment of any of the income and expenses recorded directly in equity to be paid or recovered in the future are accounted for as temporary differences.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The deferred tax assets and liabilities are reassessed at the reporting date in order to ascertain whether any adjustments need to be made on the basis of the findings of the analyses performed.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Regarding taxes on profits arising from the application of tax laws for the implementation of the Pillar Two model rules, including those related to national minimum complementary taxes, the Group applies the mandatory and temporary exception to the recognition of deferred tax assets and liabilities derived from said tax laws (see note 27.f).&lt;/span&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory>
    <san:UnrecognisedDeferredTaxLiabilitiesTaxationThatWouldAriseFromUndistributedEarnings contextRef="c-2" decimals="-5" id="f-1325" unitRef="eur">321900000</san:UnrecognisedDeferredTaxLiabilitiesTaxationThatWouldAriseFromUndistributedEarnings>
    <san:DescriptionOfAccountingPolicyForResidualMaturityPeriodsPolicyTextBlock contextRef="c-1" id="f-1326">Residual maturity periods&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In note 51 it is provided an analysis of the maturities of the balances of certain items in the consolidated balance sheet.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander Group has recorded as 'time liabilities' those recognised financial liabilities in which the counterparty may require payments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Likewise, when Grupo Santander has committed to having amounts available at different maturity periods, these amounts have been recorded in the first year in which they may be required.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, for the financial guarantee contracts issued, the Group has recorded the maximum amount of the financial guarantee issued in the first year in which the guarantee can be executed.&lt;/span&gt;&lt;/div&gt;</san:DescriptionOfAccountingPolicyForResidualMaturityPeriodsPolicyTextBlock>
    <san:DescriptionOfAccountingPolicyForRecognisedIncomeAndExpensePolicyPolicyTextBlock contextRef="c-1" id="f-1327">Consolidated statement of recognised income and expense&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This statement presents the income and expenses generated by the Group as a result of its business activity in the year, and a distinction is made between the income and expenses recognised in the consolidated income statement for the year and the other income and expenses recognised directly in consolidated equity.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Accordingly, this statement presents:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a.&#160;&#160;&#160;&#160;Consolidated profit for the year.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b.&#160;&#160;&#160;&#160;The net amount of the income and expenses recognised in 'Other comprehensive income' under items that will not be reclassified to profit or loss.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;c.&#160;&#160;&#160;&#160;The net amount of the income and expenses recognised in Other comprehensive income under items that may be reclassified subsequently to profit or loss.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;d.&#160;&#160;&#160;&#160;The income tax incurred in respect of the items indicated in b and c above, except for the valuation adjustments arising from investments in associates or joint ventures accounted for using the equity method, which are presented net.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;e.&#160;&#160;&#160;&#160;Total consolidated recognised income and expense, calculated as the sum of a) to d) above, presenting separately the amount attributable to the parent company and the amount relating to non-controlling interests.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The statement presents the items separately by nature, grouping together items that, in accordance with the applicable accounting standards, will not be reclassified subsequently to profit and loss since the requirements established by the corresponding accounting standards are met.&lt;/span&gt;&lt;/div&gt;</san:DescriptionOfAccountingPolicyForRecognisedIncomeAndExpensePolicyPolicyTextBlock>
    <san:DescriptionOfAccountingPolicyForChangesInEquityPolicyPolicyTextBlock contextRef="c-1" id="f-1328">Statement of changes in total equity&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This statement presents all the changes in equity, including those arising from changes in accounting policies and from the correction of errors. Accordingly, this statement presents a reconciliation of the carrying amount at the beginning and end of the&#160;year of all the consolidated equity items, and the changes are grouped together on the basis of their nature into the following items:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a.&#160;&#160;&#160;&#160;Adjustments due to changes in accounting policies and to errors: include the changes in consolidated equity arising as a result of the retrospective restatement of the balances in the consolidated financial statements, distinguishing between those resulting from changes in accounting policies and those relating to the correction of errors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b.&#160;&#160;&#160;&#160;Income and expense recognised in the year: includes, in aggregate form, the total of the aforementioned items recognised in the consolidated statement of recognised 'Income and expense'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;c.&#160;&#160;&#160;&#160;Other changes in equity: includes the remaining items recognised in equity, including, inter alia, increases and decreases in capital, distribution of profit, transactions involving own equity instruments, equity-instrument-based payments, transfers between equity items and any other increases or decreases in consolidated equity.&lt;/span&gt;&lt;/div&gt;</san:DescriptionOfAccountingPolicyForChangesInEquityPolicyPolicyTextBlock>
    <ifrs-full:DescriptionOfAccountingPolicyForCashFlowsExplanatory contextRef="c-1" id="f-1329">Consolidated statement of cash flows&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following terms are used in the consolidated statements of cash flows with the meanings specified:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Cash flows: inflows and outflows of cash and cash equivalents, which are short-term, highly liquid investments that are subject to an insignificant risk of changes in value, irrespective of the portfolio in which they are classified.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander classifies as cash and cash equivalents the balances recognised under 'Cash, cash balances at central banks' and 'Other deposits on demand' in the consolidated balance sheet.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Operating activities: the principal revenue-producing activities of credit institutions and other activities that are not investing or financing activities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Investing activities: the acquisition or disposal of long-term assets and other investments not included in cash and cash equivalents.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Financing activities: activities that result in changes in the size and composition of the equity and liabilities that are not operating activities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;During 2025 Grupo Santander received interest amounting to EUR 109,840 million (EUR 117,046 and EUR 101,029 in 2024 and 2023, respectively) and paid interest amounting to EUR 57,737 million (EUR 61,091 and EUR 50,954 in 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Also, dividends received and paid by the Group are detailed in notes 4, 28 and 40, including dividends paid to minority interests (non-controlling interests)&lt;/span&gt;&lt;/div&gt;</ifrs-full:DescriptionOfAccountingPolicyForCashFlowsExplanatory>
    <ifrs-full:InterestReceivedClassifiedAsOperatingActivities contextRef="c-1" decimals="-6" id="f-1330" unitRef="eur">109840000000</ifrs-full:InterestReceivedClassifiedAsOperatingActivities>
    <ifrs-full:InterestReceivedClassifiedAsOperatingActivities contextRef="c-86" decimals="-6" id="f-1331" unitRef="eur">117046000000</ifrs-full:InterestReceivedClassifiedAsOperatingActivities>
    <ifrs-full:InterestReceivedClassifiedAsOperatingActivities contextRef="c-87" decimals="-6" id="f-1332" unitRef="eur">101029000000</ifrs-full:InterestReceivedClassifiedAsOperatingActivities>
    <ifrs-full:InterestPaidClassifiedAsOperatingActivities contextRef="c-1" decimals="-6" id="f-1333" unitRef="eur">57737000000</ifrs-full:InterestPaidClassifiedAsOperatingActivities>
    <ifrs-full:InterestPaidClassifiedAsOperatingActivities contextRef="c-86" decimals="-6" id="f-1334" unitRef="eur">61091000000</ifrs-full:InterestPaidClassifiedAsOperatingActivities>
    <ifrs-full:InterestPaidClassifiedAsOperatingActivities contextRef="c-87" decimals="-6" id="f-1335" unitRef="eur">50954000000</ifrs-full:InterestPaidClassifiedAsOperatingActivities>
    <ifrs-full:DisclosureOfBusinessCombinationsExplanatory contextRef="c-1" id="f-1336">Grupo Santander&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i38ea923e60524e1eaa266d9137f0dcf7"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Banco Santander, S.A., and international Group structure&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The growth of Grupo Santander in the last decades has led Banco Santander to also act, in practice, as a holding entity of the shares of the various companies in its Group, and its results are becoming progressively less representative of the performance and earnings of the Group. Therefore, each&#160;year the bank determines the amount of the dividends to be distributed to its shareholders on the basis of the consolidated net profit, while maintaining the Group&#x2019;s objectives of capitalisation and taking into account that the transactions of the Bank and of the rest of the Group are managed on a consolidated basis (notwithstanding the allocation to each company of the related net worth effect).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At the international level, the various banks and other subsidiaries, joint ventures and associates of the Group are integrated in a corporate structure comprising various holding companies which are the ultimate shareholders of the banks and subsidiaries abroad.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The purpose of this structure, all of which is controlled Banco Santander, is to optimise the international organisation from the strategic, economic, financial and tax standpoints, since it makes it possible to define the most appropriate units to be entrusted with acquiring, selling or holding stakes in other international entities, the most appropriate financing method for these transactions and the most appropriate means of remitting the profits obtained by the group&#x2019;s various operating units to Spain.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Appendices provide relevant data on the consolidated group companies and on the companies accounted for using the equity method.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span id="i8c7262a38ba34b96b3a52ce446199e9e"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Acquisitions and disposals &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following is a summary of the main acquisitions and disposals of ownership interests in the share capital of other entities and other significant corporate transactions performed in the last three years or pending to be completed:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="ieb3773a868db4c56a58b4385323c6743"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:130%"&gt;i. Agreement for the sale of 49% of Santander Bank Polska S.A. and accelerated placement of ordinary shares&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 5 May 2025, Banco Santander announced an agreement to sell approximately 49% of the share capital of Santander Bank Polska S.A. (Santander 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 approximately EUR 7,000&#160;million. Following the transaction and the accelerated placement of ordinary shares announced on 2 December 2025, of 3,576,626 ordinary shares of Santander Polska, representing approximately 3.5% of its share capital, for a total import of EUR 407&#160;million, Santander will hold 9.7% of Santander Polska's share capital (58.7% as of 31 December 2025). The transaction was completed on 9 January 2026 (see Note 1.g. Introduction, basis of presentation of the consolidated annual accounts, and other information, subsequent events).&lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As a result of the agreement, the Group has reclassified the assets of Santander Polska and TFI in the consolidated balance sheet as of 31 December 2025, to the heading 'Non-current assets held for sale', and their liabilities to the heading 'Liabilities associated with non-current assets held for sale'. Furthermore, the effect of these businesses on the profit and loss account for the 2025 financial year has been classified under the heading 'Profit/(loss) after tax from discontinued operations' (see Note 12), with the same classification being applied for comparative purposes in the profit and loss accounts for the 2024 and 2023 financial years.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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 Polska, for PLN 3,105 million (EUR 726 million). This transaction had no significant impact on the Group's consolidated financial statements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;span id="ieafc23cb2d254f91a65b1c76794b96c1"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Agreement for the acquisition of TSB Banking Group plc&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 1 July 2025, Banco Santander announced an agreement with Banco de Sabadell, S.A. for the acquisition of TSB Banking Group plc for approximately GBP 2,650&#160;million (EUR 3,100&#160;million) plus the results generated by this business between 31 March 2025, and the closing of the transaction.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The completion of the transaction is subject to the usual conditions for this type of deal, including obtaining the relevant regulatory authorizations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="i9cbb6ab3d492416bae1a503ad6fd67e9"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:130%"&gt;iii. Agreement for the sale of the stake in Caceis&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 19 December 2024, Grupo Santander signed an agreement with Cr&#xe9;dit Agricole S.A. for the sale of its 30.5% stake in the share capital of CACEIS. As a result of the above, as of 31 December 2024, this participation was reclassified, at its carrying value, from the line item 'investments' to the line item 'Non-current assets held for sale' in the balance sheet (see Note 6). The transaction was formalized in 2025 after obtaining the relevant regulatory approvals, generating a profit before taxes of EUR 231&#160;million registered in the line item 'Gains or losses on non-current assets held for sale not classified as discontinued operations' of the income statement. Following the completion of the planned transaction, Cr&#xe9;dit Agricole S.A. holds the 100% of CACEIS&#x2019;s share capital.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The joint depositary, custody and related asset servicing services of Santander and CACEIS in Latin America is not included in the scope of the transaction and continues to be jointly controlled by Santander and CACEIS. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i589c4e55a96f45bb9f8588665bb9d05b"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iv. Accelerated placement of ordinary shares of Santander Bank Polska &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 10 September 2024, Banco Santander, S.A. announced an accelerated placement of 5,320,000 ordinary shares of its subsidiary Santander Bank Polska S.A., representing approximately 5.2% of its share capital, at a price of PLN 463 (EUR 108) per ordinary share. The transaction was settled on September 13, with the total transaction amounting to PLN 2,463&#160;million (EUR 575&#160;million). Banco Santander will continue to hold a majority stake in Santander Bank Polska S.A. of 62.2% of the share capital (prior to this transaction, the percentage of participation was 67.4%). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This sale has resulted in an increase in reserves and valuation adjustments of EUR 158&#160;million and EUR 57&#160;million, respectively, and an increase in minority equity of EUR 360&#160;million.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i616d8e5f423f48d684c15fe95fd500b5"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;v. Tender offers for shares of Banco Santander M&#xe9;xico, S.A., Instituci&#xf3;n de Banca M&#xfa;ltiple, Grupo Financiero Santander M&#xe9;xico&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 21 October 2022, Banco Santander, S.A. ('Banco Santander') announced that it intends to make concurrent cash tender offers to acquire all of the shares of Banco Santander M&#xe9;xico, S.A., Instituci&#xf3;n de Banca M&#xfa;ltiple, Grupo Financiero Santander M&#xe9;xico ('Santander Mexico') in Mexico (Shares) and United States (American Depositary Shares ('ADSs')) which were not owned by Grupo Santander, which amount to approximately  3.76% of Santander Mexico&#x2019;s share capital.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The offers were launched on 7 February 2023 and were originally scheduled to close on 8 March 2023. On 1 March 2023, Banco Santander announced its decision to extend the expiration date of the offers so that they could be concluded on 10 April 2023. Finally, after the offers' closing, 3.6% of the capital accepted the offer, which raised the Group's stake in Santander M&#xe9;xico from 96.2% to 99.8%.will be settled on 13 March 2023. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Shareholders who participated in the offerings received 24.52 Mexican pesos (approximately EUR 1.20) per Share and USD 6.6876 in cash for each ADS (i.e., the equivalent in United States dollars of 122.6 Mexican pesos in cash for each ADS at the US dollar/Mexican peso exchange rate on the expiration date of 10 April 2023),which corresponded to the book value of the Santander M&#xe9;xico share according to the quarterly report of Santander M&#xe9;xico corresponding to the fourth quarter of the year 2022 in accordance with applicable legislation, with a total disbursement by Banco Santander of approximately EUR 300&#160;million.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The operation led to an increase of EUR 13&#160;million in Reserves and a decrease of EUR 313&#160;million in minority interests. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Once the offers were concluded and settled, Banco Santander proceeded to: (i) withdraw the ADSs from the listing on the New York Stock Exchange ('NYSE') and the Shares from the registry before the Securities and Exchange Commission ('SEC') in the United States and; (ii) cancel the registration of the Shares in the National Securities Registry of the National Banking and Securities Commission ('CNBV') and withdraw the listing of the Shares in the Mexican Stock Exchange, S.A.B. de C.V. ('BMV'). Said cancellation was approved by the extraordinary general shareholders' meeting of Santander M&#xe9;xico held on 30 November 2022, with the favourable vote of the holders of the shares that represent more than 95% of the shares of Santander Mexico, as required by the Mexican Securities Market Law.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Pursuant to Mexican law, on 12 May 2023, Banco Santander and Santander M&#xe9;xico established a trust (the 'Repurchase Trust'), to which the holders of the Shares that remain outstanding after the conclusion of the offers, to sell said Shares to the repurchase trust, at the same cash price that would have been paid to them in the Mexican offer with respect to the same. At the end of the year, said trust was liquidated and the Group's effective participation amounts to 99.98%.&lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_895"&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="id3a94e59833e419bb8756d9e4d83a296"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%"&gt;c) Offshore entities &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;span id="ifff3a22a8b4f41b28d06e0d5da6a0923"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Spanish regulation&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;According to current Spanish regulation (Law 11/2021, of 9 July; Royal Decree 1080/1991, of 5 July; and Order HFP/115/2023, of 9 February), at year-end 2025 Grupo Santander has three branches in the non-cooperative jurisdictions of Jersey, the Isle of Man and the Cayman Islands (offshore entities). The Group also has a subsidiary in Guernsey, which is in the process of being wound up and is tax resident in the United Kingdom, and is therefore subject to its tax regime. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i130b2c91a0e944a086a0abfbf540ed69"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Offshore branches&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As previously mentioned, Grupo Santander has three offshore branches in the non-cooperative jurisdictions of the Cayman Islands, the Isle of Man and Jersey. They report to, and consolidate balance sheets and income statements with, their respective foreign headquarters. They are taxed either with their headquarters (the Cayman Islands branch in Brazil) or in the territories they are located (Jersey and the Isle of Man, pertain to the UK).&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;These three offshore branches have a total of 147 employees as of December 2025.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="idc786effcee648ca9650abbf19c68516"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Subsidiaries in non-cooperative jurisdictions that are tax resident in the United Kingdom (UK)&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander also has a subsidiary incorporated in the non-cooperative jurisdiction of Guernsey, which is not deemed an offshore entity because it operated exclusively from the UK and is tax resident there, and is therefore subject to UK tax law. This subsidiary is in the process of being liquidated as of December 31, 2025.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, during 2025 a subsidiary incorporated in Bermuda  and tax resident in the United Kingdom, was liquidated.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i92c59024d89242759490d88da0a23095"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iii. Other offshore holdings&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%"&gt;From Brazil, Grupo Santander manages Santander Brazil Global Investment Fund SPC, a segregated portfolio company located in the Cayman Islands. The Group also holds minority, non-controlling financial interests in entities located in non-cooperative jurisdictions, including, among others, Klar Holdings Limited in the Cayman Islands.&lt;span id="i47cdd7cd05694b6ab5223c104620441d"&gt;&lt;/span&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span id="i58f5c844de0e4cb59164f3478e27d8f4"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;The European Union (EU)&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander has no presence in any of the 11 jurisdictions included on the EU Council&#x2019;s blacklist of non-cooperative jurisdictions for tax purposes as of 31 December 2025. Additionally, the EU grey list comprises another 11 jurisdictions which have sufficiently committed to fully adapting their legislation to international tax standards, subject to monitoring by the EU. Within these grey-list jurisdictions, Santander operates only in Morocco through one subsidiary and holds a minority interest in a financial institution tax resident in that jurisdiction.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="i874031b2f66645ab8c8ef47cd7035f7b"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:115%"&gt;Organization for Economic Cooperation and Development (OECD)&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%"&gt;Grupo Santander has no presence in any jurisdictions non-compliant with both OECD standards on transparency and exchange of information for tax purposes (the automatic exchange of information AEOI standard and the exchange of information on request EOIR standard), according to the last annual reports of the OECD Global Forum on Transparency and Exchange of Information for Tax Purposes, released on 2 December 2025. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%"&gt;However, Vietnam &#x2014;a jurisdiction where Santander has a subsidiary&#x2014; does not comply with the EOIR standard. Meanwhile, The Bahamas and Chile &#x2014;jurisdictions where Santander is also present&#x2014;, although they have complete legal and regulatory frameworks in place for the implementation of the AEOI standard, they still need to improve the effectiveness of this standard.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander presence in offshore territories at the end of 2025 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:120%"&gt;Group presence in non-cooperative jurisdictions&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.858%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.055%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.823%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:30pt"&gt;&lt;td colspan="3" rowspan="2" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Regulatory framework&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="6" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Group presence in non-cooperative jurisdictions&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Subsidiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Branches&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Spanish legislation&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;a&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;b&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Council of the EU blacklist&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;OECD&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;c&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;a&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:7.84pt"&gt;Additionally, there is one subsidiary constituted in Guernsey (in the process of winding up), but resident for tax purposes in the UK.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;b&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:7.59pt"&gt;The Group has three branches in Jersey, the Isle of Man and the Cayman Islands. These jurisdictions are not included in the European Union&#x2019;s October 2025 blacklist and fully comply with both OECD international standards on transparency and exchange of information for tax purposes (AEOI and EOIR). &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;c&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:8.33pt"&gt;Jurisdictions non-compliant with both OECD standards (AEOI and EOIR). &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander has the right mechanisms (risk management, supervision, verification and review plans, and regular reporting) to prevent reputational, tax and legal risks in entities resident in non-cooperative jurisdictions. Grupo Santander also maintains its policy of limiting and reducing its presence in non-cooperative jurisdictions when possible.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;PwC member firms audited the financial statements of Grupo Santander&#x2019;s offshore entities in 2025, 2024 and 2023.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfBusinessCombinationsExplanatory>
    <san:ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale
      contextRef="c-312"
      decimals="2"
      id="f-1337"
      unitRef="number">0.49</san:ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale>
    <san:ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale
      contextRef="c-313"
      decimals="2"
      id="f-1338"
      unitRef="number">0.49</san:ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale>
    <san:SaleOfInterestHeldPricePerShare
      contextRef="c-313"
      decimals="INF"
      id="f-1339"
      unitRef="plnPerShare">584</san:SaleOfInterestHeldPricePerShare>
    <san:ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale
      contextRef="c-314"
      decimals="2"
      id="f-1340"
      unitRef="number">0.50</san:ProportionOfOwnershipInterestInSubsidiaryAnnouncedForSale>
    <ifrs-full:ConsiderationPaidReceived contextRef="c-315" decimals="-6" id="f-1341" unitRef="eur">-7000000000</ifrs-full:ConsiderationPaidReceived>
    <san:SaleOfOrdinarySharesInSubsidiaryShares
      contextRef="c-316"
      decimals="0"
      id="f-1342"
      unitRef="shares">3576626</san:SaleOfOrdinarySharesInSubsidiaryShares>
    <san:SharesSoldPercentageOfShareCapital
      contextRef="c-317"
      decimals="3"
      id="f-1343"
      unitRef="number">0.035</san:SharesSoldPercentageOfShareCapital>
    <ifrs-full:ConsiderationPaidReceived contextRef="c-316" decimals="-6" id="f-1344" unitRef="eur">-407000000</ifrs-full:ConsiderationPaidReceived>
    <ifrs-full:ProportionOfOwnershipInterestInSubsidiary
      contextRef="c-263"
      decimals="3"
      id="f-1345"
      unitRef="number">0.097</ifrs-full:ProportionOfOwnershipInterestInSubsidiary>
    <ifrs-full:ProportionOfOwnershipInterestInSubsidiary
      contextRef="c-318"
      decimals="3"
      id="f-1346"
      unitRef="number">0.587</ifrs-full:ProportionOfOwnershipInterestInSubsidiary>
    <ifrs-full:PercentageOfVotingEquityInterestsAcquired
      contextRef="c-319"
      decimals="2"
      id="f-1347"
      unitRef="number">0.60</ifrs-full:PercentageOfVotingEquityInterestsAcquired>
    <ifrs-full:ConsiderationPaidReceived contextRef="c-320" decimals="-6" id="f-1348" unitRef="pln">3105000000</ifrs-full:ConsiderationPaidReceived>
    <ifrs-full:ConsiderationPaidReceived contextRef="c-320" decimals="-6" id="f-1349" unitRef="eur">726000000</ifrs-full:ConsiderationPaidReceived>
    <ifrs-full:ConsiderationPaidReceived contextRef="c-321" decimals="-6" id="f-1350" unitRef="gbp">2650000000</ifrs-full:ConsiderationPaidReceived>
    <ifrs-full:ConsiderationPaidReceived contextRef="c-321" decimals="-6" id="f-1351" unitRef="eur">3100000000</ifrs-full:ConsiderationPaidReceived>
    <san:ProportionOfOwnershipInterestInAssociateSold
      contextRef="c-322"
      decimals="3"
      id="f-1352"
      unitRef="number">0.305</san:ProportionOfOwnershipInterestInAssociateSold>
    <san:GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations contextRef="c-323" decimals="-6" id="f-1353" unitRef="eur">231000000</san:GainsLossesOnNoncurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations>
    <ifrs-full:ProportionOfOwnershipInterestInSubsidiary
      contextRef="c-324"
      decimals="2"
      id="f-1354"
      unitRef="number">1</ifrs-full:ProportionOfOwnershipInterestInSubsidiary>
    <san:SaleOfOrdinarySharesInSubsidiaryShares
      contextRef="c-325"
      decimals="0"
      id="f-1355"
      unitRef="shares">5320000</san:SaleOfOrdinarySharesInSubsidiaryShares>
    <san:SharesSoldPercentageOfShareCapital
      contextRef="c-326"
      decimals="3"
      id="f-1356"
      unitRef="number">0.052</san:SharesSoldPercentageOfShareCapital>
    <ifrs-full:ParValuePerShare
      contextRef="c-327"
      decimals="INF"
      id="f-1357"
      unitRef="plnPerShare">463</ifrs-full:ParValuePerShare>
    <ifrs-full:ParValuePerShare
      contextRef="c-327"
      decimals="INF"
      id="f-1358"
      unitRef="eurPerShare">108</ifrs-full:ParValuePerShare>
    <ifrs-full:ProceedsFromChangesInOwnershipInterestsInSubsidiaries contextRef="c-328" decimals="-6" id="f-1359" unitRef="pln">2463000000</ifrs-full:ProceedsFromChangesInOwnershipInterestsInSubsidiaries>
    <ifrs-full:ProceedsFromChangesInOwnershipInterestsInSubsidiaries contextRef="c-328" decimals="-6" id="f-1360" unitRef="eur">575000000</ifrs-full:ProceedsFromChangesInOwnershipInterestsInSubsidiaries>
    <ifrs-full:ProportionOfOwnershipInterestInSubsidiary
      contextRef="c-328"
      decimals="3"
      id="f-1361"
      unitRef="number">0.622</ifrs-full:ProportionOfOwnershipInterestInSubsidiary>
    <ifrs-full:ProportionOfOwnershipInterestInSubsidiary
      contextRef="c-329"
      decimals="3"
      id="f-1362"
      unitRef="number">0.674</ifrs-full:ProportionOfOwnershipInterestInSubsidiary>
    <ifrs-full:IncreaseDecreaseThroughChangeInEquityOfSubsidiaries contextRef="c-330" decimals="-6" id="f-1363" unitRef="eur">158000000</ifrs-full:IncreaseDecreaseThroughChangeInEquityOfSubsidiaries>
    <ifrs-full:IncreaseDecreaseThroughChangeInEquityOfSubsidiaries contextRef="c-331" decimals="-6" id="f-1364" unitRef="eur">57000000</ifrs-full:IncreaseDecreaseThroughChangeInEquityOfSubsidiaries>
    <ifrs-full:IncreaseDecreaseThroughChangeInEquityOfSubsidiaries contextRef="c-332" decimals="-6" id="f-1365" unitRef="eur">360000000</ifrs-full:IncreaseDecreaseThroughChangeInEquityOfSubsidiaries>
    <ifrs-full:PercentageOfVotingEquityInterestsAcquired
      contextRef="c-333"
      decimals="4"
      id="f-1366"
      unitRef="number">0.0376</ifrs-full:PercentageOfVotingEquityInterestsAcquired>
    <ifrs-full:PercentageOfVotingEquityInterestsAcquired
      contextRef="c-334"
      decimals="3"
      id="f-1367"
      unitRef="number">0.036</ifrs-full:PercentageOfVotingEquityInterestsAcquired>
    <ifrs-full:ProportionOfOwnershipInterestInSubsidiary
      contextRef="c-335"
      decimals="3"
      id="f-1368"
      unitRef="number">0.962</ifrs-full:ProportionOfOwnershipInterestInSubsidiary>
    <ifrs-full:ProportionOfOwnershipInterestInSubsidiary
      contextRef="c-336"
      decimals="3"
      id="f-1369"
      unitRef="number">0.998</ifrs-full:ProportionOfOwnershipInterestInSubsidiary>
    <san:ConsiderationPaidReceivedInCashPerShare
      contextRef="c-334"
      decimals="2"
      id="f-1370"
      unitRef="mxnPerShare">24.52</san:ConsiderationPaidReceivedInCashPerShare>
    <san:ConsiderationPaidReceivedInCashPerShare
      contextRef="c-334"
      decimals="2"
      id="f-1371"
      unitRef="eurPerShare">1.20</san:ConsiderationPaidReceivedInCashPerShare>
    <san:ConsiderationInCashPerAmericanDepositaryShare
      contextRef="c-334"
      decimals="4"
      id="f-1372"
      unitRef="usdPerShare">6.6876</san:ConsiderationInCashPerAmericanDepositaryShare>
    <san:ExpectedConsiderationInCashPerAmericanDepositaryShare
      contextRef="c-334"
      decimals="1"
      id="f-1373"
      unitRef="mxnPerShare">122.6</san:ExpectedConsiderationInCashPerAmericanDepositaryShare>
    <ifrs-full:ConsiderationPaidReceived contextRef="c-337" decimals="-6" id="f-1374" unitRef="eur">300000000</ifrs-full:ConsiderationPaidReceived>
    <san:IncreaseThroughBusinessCombinationsReserves contextRef="c-336" decimals="-6" id="f-1375" unitRef="eur">13000000</san:IncreaseThroughBusinessCombinationsReserves>
    <san:IncreaseDecreaseThroughBusinessCombinationsMinorityInterest contextRef="c-336" decimals="-6" id="f-1376" unitRef="eur">-313000000</san:IncreaseDecreaseThroughBusinessCombinationsMinorityInterest>
    <san:BusinessCombinationMinimumAcceptancePercentageByShareholdersOfAcquiree
      contextRef="c-338"
      decimals="2"
      id="f-1377"
      unitRef="number">0.95</san:BusinessCombinationMinimumAcceptancePercentageByShareholdersOfAcquiree>
    <san:RepurchaseTrustGroupEffectiveParticipationPercentage
      contextRef="c-339"
      decimals="4"
      id="f-1378"
      unitRef="number">0.9998</san:RepurchaseTrustGroupEffectiveParticipationPercentage>
    <san:NumberOfBranchesResidentInOffShoreTerritories
      contextRef="c-340"
      decimals="INF"
      id="f-1379"
      unitRef="branch">3</san:NumberOfBranchesResidentInOffShoreTerritories>
    <san:NumberOfBranchesResidentInOffShoreTerritories
      contextRef="c-341"
      decimals="INF"
      id="f-1380"
      unitRef="branch">3</san:NumberOfBranchesResidentInOffShoreTerritories>
    <san:NumberOfBranchesResidentInOffShoreTerritories
      contextRef="c-341"
      decimals="INF"
      id="f-1381"
      unitRef="branch">3</san:NumberOfBranchesResidentInOffShoreTerritories>
    <ifrs-full:NumberOfEmployees
      contextRef="c-341"
      decimals="INF"
      id="f-1382"
      unitRef="employee">147</ifrs-full:NumberOfEmployees>
    <san:NumberOfJurisdictionsWithinEUsBlacklist
      contextRef="c-2"
      decimals="INF"
      id="f-1383"
      unitRef="jurisdiction">11</san:NumberOfJurisdictionsWithinEUsBlacklist>
    <san:NumberOfJurisdictionsWithinEUsGreyList
      contextRef="c-2"
      decimals="INF"
      id="f-1384"
      unitRef="branch">11</san:NumberOfJurisdictionsWithinEUsGreyList>
    <san:DisclosureOfDetailedInformationOnOffshoreTerritoriesTableTextBlock contextRef="c-1" id="f-1385">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander presence in offshore territories at the end of 2025 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:120%"&gt;Group presence in non-cooperative jurisdictions&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.858%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.055%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.823%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:30pt"&gt;&lt;td colspan="3" rowspan="2" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Regulatory framework&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="6" style="background-color:#ebebeb;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Group presence in non-cooperative jurisdictions&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Subsidiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Branches&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Spanish legislation&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;a&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;b&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Council of the EU blacklist&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;OECD&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;c&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;a&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:7.84pt"&gt;Additionally, there is one subsidiary constituted in Guernsey (in the process of winding up), but resident for tax purposes in the UK.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;b&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:7.59pt"&gt;The Group has three branches in Jersey, the Isle of Man and the Cayman Islands. These jurisdictions are not included in the European Union&#x2019;s October 2025 blacklist and fully comply with both OECD international standards on transparency and exchange of information for tax purposes (AEOI and EOIR). &lt;/span&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;c&lt;/span&gt;Jurisdictions non-compliant with both OECD standards (AEOI and EOIR).</san:DisclosureOfDetailedInformationOnOffshoreTerritoriesTableTextBlock>
    <san:NumberOfSubsidiariesResidentInOffShoreTerritories
      contextRef="c-340"
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      id="f-1386"
      unitRef="subsidiary">0</san:NumberOfSubsidiariesResidentInOffShoreTerritories>
    <san:NumberOfBranchesResidentInOffShoreTerritories
      contextRef="c-340"
      decimals="INF"
      id="f-1387"
      unitRef="branch">3</san:NumberOfBranchesResidentInOffShoreTerritories>
    <san:NumberOfSubsidiariesResidentInOffShoreTerritories
      contextRef="c-342"
      decimals="INF"
      id="f-1388"
      unitRef="subsidiary">0</san:NumberOfSubsidiariesResidentInOffShoreTerritories>
    <san:NumberOfBranchesResidentInOffShoreTerritories
      contextRef="c-342"
      decimals="INF"
      id="f-1389"
      unitRef="branch">0</san:NumberOfBranchesResidentInOffShoreTerritories>
    <san:NumberOfSubsidiariesResidentInOffShoreTerritories
      contextRef="c-343"
      decimals="INF"
      id="f-1390"
      unitRef="subsidiary">0</san:NumberOfSubsidiariesResidentInOffShoreTerritories>
    <san:NumberOfBranchesResidentInOffShoreTerritories
      contextRef="c-343"
      decimals="INF"
      id="f-1391"
      unitRef="branch">0</san:NumberOfBranchesResidentInOffShoreTerritories>
    <san:NumberOfSubsidiariesResidentInOffShoreTerritories
      contextRef="c-344"
      decimals="INF"
      id="f-1392"
      unitRef="subsidiary">0</san:NumberOfSubsidiariesResidentInOffShoreTerritories>
    <san:NumberOfBranchesResidentInOffShoreTerritories
      contextRef="c-344"
      decimals="INF"
      id="f-1393"
      unitRef="branch">3</san:NumberOfBranchesResidentInOffShoreTerritories>
    <san:NumberOfSubsidiariesResidentInOffShoreTerritories
      contextRef="c-345"
      decimals="INF"
      id="f-1394"
      unitRef="subsidiary">0</san:NumberOfSubsidiariesResidentInOffShoreTerritories>
    <san:NumberOfBranchesResidentInOffShoreTerritories
      contextRef="c-345"
      decimals="INF"
      id="f-1395"
      unitRef="branch">3</san:NumberOfBranchesResidentInOffShoreTerritories>
    <san:NumberOfSubsidiariesTaxResidentInTheUK
      contextRef="c-346"
      decimals="INF"
      id="f-1396"
      unitRef="subsidiary">1</san:NumberOfSubsidiariesTaxResidentInTheUK>
    <san:NumberOfBranchesResidentInOffShoreTerritories
      contextRef="c-347"
      decimals="INF"
      id="f-1397"
      unitRef="branch">3</san:NumberOfBranchesResidentInOffShoreTerritories>
    <san:DisclosureOfShareholderDistributionShareholderRemunerationAndEarningsPerShareTextBlock contextRef="c-1" id="f-1401">Distribution of Banco Santander's profit, shareholder remuneration scheme and earnings per share&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i9159fb1bfe824a72bb5c7238cbedc943_2540"&gt;&lt;/span&gt;&lt;span id="i412689de8bcc4ea88b7189b00fbcd04c"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Distribution of Banco Santander's profit and shareholder remuneration scheme&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The distribution of the Bank's current annual results that the board of directors will propose for approval by the shareholders at the annual general meeting is as follows: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:203.50pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:35.50pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To dividends&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,520&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Dividend paid at 31 December&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,699&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Complementary dividend&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,821&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To voluntary reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net profit for the&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,113&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-align:justify;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Total amount paid as interim dividend, at the rate of EUR 11.5 fixed cents per eligible share (recorded in 'Shareholders' equity - Interim dividends').&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-align:justify;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Fixed complementary dividend of EUR 12.5 gross cents per eligible share, payable in cash as from 5 May 2026. The total amount has been estimated on the assumption that, as a result of the partial implementation of the buyback program announced on February 3, 2026, the number of the Bank's outstanding shares eligible for the dividend will be 14,568,470,446 and that, as envisaged, the capital increase submitted to the 2026 general meeting under item 6.C of the agenda will not be executed before 5 May 2026. Therefore, the total amount of the complementary dividend may be lower if more shares than initially envisaged are acquired under the buy-back programme, or higher if fewer shares are acquired under the buy-back programme or if the capital increase submitted to this general meeting under item 6.C of the agenda is executed before 5 May 2026.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-align:justify;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Estimated amount corresponding to a complementary dividend of EUR 1,821,058,805.75. To be increased or reduced by the same amount by which the total amount of the final dividend is lower or higher, respectively, than its estimated amount.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:9.21pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The transcribed proposal comprises the part of the 2025 shareholder remuneration policy that is implemented through cash dividends (the interim dividend paid in November 2025 of EUR 11.5 cents per share with dividend entitlement, approved by the board of directors on September 30, 2025, and the complementary dividend expected to be paid as of  5 May 2026, of EUR 12.5 cents per share with the dividend entitlement, proposed by the board of directors on 24 February 2026, and therefore subject to approval by the general meeting).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The remuneration policy also provides for shareholder remuneration through the implementation of share buyback programmes, to which an amount equivalent to 25% of the Group&#x2019;s underlying profit will be allocated. The first programme charged to 2025 results, amounting to approximately amount of EUR 1,700&#160;million, was completed between August 2025 and December 2025. In addition, in 2025 Banco Santander announced its objective of allocating at least EUR 10,000&#160;million to share buybacks in respect of 2025 and 2026 results and expected excess capital. As part of this objective, on 4 February 2026 a second buyback programme was launched for a maximum total amount of EUR 5,030 million, of which EUR 1,830&#160;million corresponds to an amount equivalent to c.25% of the Group&#x2019;s underlying profit in the second half of 2025, and the remaining EUR 3,200&#160;million corresponds to c.50% of the capital released following completion of the sale of the 49% stake in Santander Bank Polska. A capital reduction resolution is also being submitted to the general meeting to enable the cancellation of the treasury shares acquired under this second buyback programme.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The accounting statement, prepared by the Bank pursuant to legal requirements, evidencing the existence of sufficient liquidity for the payment of the interim dividend on the date and for the amount mentioned above, was as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:72.665%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.135%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 August 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Profit before taxes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,193&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;635&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Dividends paid in cash&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Distributable maximum amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,558&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Available liquidity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;96,923&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Finally, and although it does not form part of the remuneration charged to the 2025 financial year, it is hereby stated that, in execution of the resolution of the general meeting held on 4 April 2025, on 2 May 2025 the Bank paid a final cash dividend of EUR 11 cents per share charged to the results of the 2024 financial year.  Finally, also charged to the results of 2024, the Bank implemented two repurchase programs. The first of them for a maximum amount of EUR 1,525 million, was completed in December 2024, and the second, for a maximum amount of EUR 1,587&#160;million, was completed in June 2025.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ica8bd92432c445b9abd53378bdd1f356"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Earnings/loss per share from continuing and discontinued operations&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;span id="i57432fb88e6042a28c2214bb6b8e89a6"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Basic earnings / loss per share&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Basic earnings/loss per share are calculated by dividing the net profit attributable to the Group, adjusted by the after-tax amount of the remuneration of contingently convertible preference shares (PPCC) recognised in equity and the capital perpetual preference shares (PPCA) (see note&#160;23), if applicable, by the weighted average number of ordinary shares outstanding during that period, excluding the average number of own shares held through that period.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Accordingly:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:76.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:52.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:52.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:52.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Profit (Loss) attributable to the Parent (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14,101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;12,574&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;11,076&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Remuneration of PPCC and PPCA (EUR million) (note 23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(622)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(620)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(492)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;13,479&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;11,954&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;10,584&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:41pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;Profit (Loss) from discontinued operations (non controlling interest net) (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;717&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:56pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;Profit (Loss) from continuing operations (non-controlling interest and PPCC and PPCA net) &lt;br/&gt;(EUR million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,517&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Weighted average number of shares outstanding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14,890,304,840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;15,497,607,269&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;16,172,084,714&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Basic earnings (Loss) per share (euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.905&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.771&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.654&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Of which, from discounted operations (euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.065&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.053&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.044&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:33pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Basic earnings (Loss) per share from continuing operations (euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.840&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.718&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.610&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i798140aa57f743b6a55695352273d191"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Diluted earnings / loss per share&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Diluted earnings/loss per share are calculated by dividing the net profit attributable to the Group, adjusted by the after-tax amount of the remuneration of contingently convertible preference shares recognised in equity (PPCC) recognised in equity and the capital perpetual preference shares (PPCA) (see note&#160;23), by the weighted average number of ordinary shares outstanding during the&#160;year, excluding the average number of treasury shares and adjusted for all the dilutive effects inherent to potential ordinary shares (share options, and convertible debt securities).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Accordingly, diluted earnings/loss per share were determined as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:76.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:52.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:52.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:52.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="padding:0 8.09pt 0 1pt;text-indent:-7.09pt"&gt;&lt;div style="margin-bottom:6pt;padding-right:7.09pt;text-align:justify;text-indent:-7.09pt"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Profit (Loss) attributable to the Parent (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14,101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;12,574&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;11,076&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Remuneration of PPCC and PPCA (EUR million) (Note 23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(622)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(620)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(492)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:41pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Dilutive effect of changes in profit for the period arising from potential conversion of ordinary shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;13,479&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;11,954&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;10,584&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:48pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;Profit (Loss) from discontinued operations (net of non-controlling interests) (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;717&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:56pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;Profit (Loss) from continuing operations (net of non-controlling interests and PPCC and PPCA) (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,517&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Weighted average number of shares outstanding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14,890,304,840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;15,497,607,269&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;16,172,084,714&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Dilutive effect of options/rights on shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;85,269,647&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;70,110,570&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;75,180,407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Adjusted number of shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14,975,574,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;15,567,717,839&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;16,247,265,121&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Diluted earnings (Loss) per share (euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.900&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.768&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.651&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Of which, from discounted operations (euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.064&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.053&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.044&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:33pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Diluted earnings (Loss) per share from continuing operations (euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.836&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.715&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.607&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfShareholderDistributionShareholderRemunerationAndEarningsPerShareTextBlock>
    <san:ScheduleOfDistributionOfNetProfitTableTextBlock contextRef="c-1" id="f-1402">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The distribution of the Bank's current annual results that the board of directors will propose for approval by the shareholders at the annual general meeting is as follows: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:203.50pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:35.50pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To dividends&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,520&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Dividend paid at 31 December&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,699&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Complementary dividend&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,821&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To voluntary reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net profit for the&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,113&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-align:justify;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Total amount paid as interim dividend, at the rate of EUR 11.5 fixed cents per eligible share (recorded in 'Shareholders' equity - Interim dividends').&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-align:justify;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Fixed complementary dividend of EUR 12.5 gross cents per eligible share, payable in cash as from 5 May 2026. The total amount has been estimated on the assumption that, as a result of the partial implementation of the buyback program announced on February 3, 2026, the number of the Bank's outstanding shares eligible for the dividend will be 14,568,470,446 and that, as envisaged, the capital increase submitted to the 2026 general meeting under item 6.C of the agenda will not be executed before 5 May 2026. Therefore, the total amount of the complementary dividend may be lower if more shares than initially envisaged are acquired under the buy-back programme, or higher if fewer shares are acquired under the buy-back programme or if the capital increase submitted to this general meeting under item 6.C of the agenda is executed before 5 May 2026.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-align:justify;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Estimated amount corresponding to a complementary dividend of EUR 1,821,058,805.75. To be increased or reduced by the same amount by which the total amount of the final dividend is lower or higher, respectively, than its estimated amount.&lt;/span&gt;&lt;/div&gt;</san:ScheduleOfDistributionOfNetProfitTableTextBlock>
    <ifrs-full:DividendsPaid contextRef="c-349" decimals="-6" id="f-1403" unitRef="eur">3520000000</ifrs-full:DividendsPaid>
    <ifrs-full:DividendsPaid contextRef="c-350" decimals="-6" id="f-1404" unitRef="eur">1699000000</ifrs-full:DividendsPaid>
    <ifrs-full:DividendsPaid contextRef="c-351" decimals="-6" id="f-1405" unitRef="eur">1821000000</ifrs-full:DividendsPaid>
    <ifrs-full:IncreaseDecreaseThroughAppropriationOfRetainedEarnings contextRef="c-349" decimals="-6" id="f-1406" unitRef="eur">7593000000</ifrs-full:IncreaseDecreaseThroughAppropriationOfRetainedEarnings>
    <ifrs-full:ProfitLoss contextRef="c-349" decimals="-6" id="f-1407" unitRef="eur">11113000000</ifrs-full:ProfitLoss>
    <ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare
      contextRef="c-350"
      decimals="3"
      id="f-1408"
      unitRef="eurPerShare">0.115</ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare>
    <ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare
      contextRef="c-351"
      decimals="3"
      id="f-1409"
      unitRef="eurPerShare">0.125</ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare>
    <san:NumberOfSharesOutstandingEntitledToReceiveDividend
      contextRef="c-349"
      decimals="0"
      id="f-1410"
      unitRef="shares">14568470446</san:NumberOfSharesOutstandingEntitledToReceiveDividend>
    <ifrs-full:DividendsPaid contextRef="c-351" decimals="2" id="f-1411" unitRef="eur">1821058805.75</ifrs-full:DividendsPaid>
    <ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare
      contextRef="c-352"
      decimals="3"
      id="f-1412"
      unitRef="eurPerShare">0.115</ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare>
    <ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare
      contextRef="c-353"
      decimals="3"
      id="f-1413"
      unitRef="eurPerShare">0.125</ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare>
    <san:ShareBuybackProgramPercentageOfUnderlyingProfit contextRef="c-1" decimals="2" id="f-1414" unitRef="number">0.25</san:ShareBuybackProgramPercentageOfUnderlyingProfit>
    <san:ShareBuybackProgramAmount contextRef="c-354" decimals="-6" id="f-1415" unitRef="eur">1700000000</san:ShareBuybackProgramAmount>
    <san:ShareBuybackProgramAmount contextRef="c-355" decimals="-6" id="f-1416" unitRef="eur">10000000000</san:ShareBuybackProgramAmount>
    <san:ShareBuybackProgramAmount contextRef="c-356" decimals="-6" id="f-1417" unitRef="eur">5030000000</san:ShareBuybackProgramAmount>
    <san:ShareBuybackProgramAmount contextRef="c-357" decimals="-6" id="f-1418" unitRef="eur">1830000000</san:ShareBuybackProgramAmount>
    <san:ShareBuybackProgramPercentageOfUnderlyingProfit
      contextRef="c-358"
      decimals="2"
      id="f-1419"
      unitRef="number">0.25</san:ShareBuybackProgramPercentageOfUnderlyingProfit>
    <san:ShareBuybackProgramAmount contextRef="c-359" decimals="-6" id="f-1420" unitRef="eur">3200000000</san:ShareBuybackProgramAmount>
    <san:ShareBuybackProgramPercentageOfCapitalReleasedOfSaleOfPoland
      contextRef="c-358"
      decimals="2"
      id="f-1421"
      unitRef="number">0.50</san:ShareBuybackProgramPercentageOfCapitalReleasedOfSaleOfPoland>
    <san:SaleOfProportionOfOwnershipInterestInSubsidiary
      contextRef="c-360"
      decimals="2"
      id="f-1422"
      unitRef="number">0.49</san:SaleOfProportionOfOwnershipInterestInSubsidiary>
    <san:ScheduleOfProvisionalAccountingStatementForInterimDividendTableTextBlock contextRef="c-1" id="f-1423">&lt;div style="margin-bottom:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:72.665%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.135%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 August 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Profit before taxes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,193&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;635&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Dividends paid in cash&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Distributable maximum amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,558&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Available liquidity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;96,923&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:ScheduleOfProvisionalAccountingStatementForInterimDividendTableTextBlock>
    <ifrs-full:ProfitLossBeforeTax contextRef="c-361" decimals="-6" id="f-1424" unitRef="eur">6193000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:IncomeTaxExpenseContinuingOperations contextRef="c-361" decimals="-6" id="f-1425" unitRef="eur">635000000</ifrs-full:IncomeTaxExpenseContinuingOperations>
    <ifrs-full:DividendsPaid contextRef="c-361" decimals="-6" id="f-1426" unitRef="eur">0</ifrs-full:DividendsPaid>
    <san:DividendsMaximumAmountDistributable contextRef="c-361" decimals="-6" id="f-1427" unitRef="eur">5558000000</san:DividendsMaximumAmountDistributable>
    <ifrs-full:CashAndCashEquivalents contextRef="c-362" decimals="-6" id="f-1428" unitRef="eur">96923000000</ifrs-full:CashAndCashEquivalents>
    <ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare
      contextRef="c-363"
      decimals="2"
      id="f-1429"
      unitRef="eurPerShare">0.11</ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare>
    <san:NumberOfShareBuybackPrograms
      contextRef="c-1"
      decimals="INF"
      id="f-1430"
      unitRef="program">2</san:NumberOfShareBuybackPrograms>
    <san:ShareBuybackProgramAmount contextRef="c-364" decimals="-6" id="f-1431" unitRef="eur">1525000000</san:ShareBuybackProgramAmount>
    <san:ShareBuybackProgramAmount contextRef="c-365" decimals="-6" id="f-1432" unitRef="eur">1587000000</san:ShareBuybackProgramAmount>
    <ifrs-full:EarningsPerShareExplanatory contextRef="c-1" id="f-1433">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Accordingly:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:76.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:52.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:52.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:52.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="padding:0 1pt 0 8.09pt;text-indent:-7.09pt"&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Profit (Loss) attributable to the Parent (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14,101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;12,574&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;11,076&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Remuneration of PPCC and PPCA (EUR million) (note 23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(622)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(620)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(492)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;13,479&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;11,954&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;10,584&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:41pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;Profit (Loss) from discontinued operations (non controlling interest net) (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;717&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:56pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;Profit (Loss) from continuing operations (non-controlling interest and PPCC and PPCA net) &lt;br/&gt;(EUR million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,517&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Weighted average number of shares outstanding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14,890,304,840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;15,497,607,269&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;16,172,084,714&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Basic earnings (Loss) per share (euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.905&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.771&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.654&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Of which, from discounted operations (euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.065&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.053&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.044&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:33pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Basic earnings (Loss) per share from continuing operations (euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.840&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.718&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.610&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Accordingly, diluted earnings/loss per share were determined as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:243.00pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:76.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:52.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:52.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:52.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="padding:0 8.09pt 0 1pt;text-indent:-7.09pt"&gt;&lt;div style="margin-bottom:6pt;padding-right:7.09pt;text-align:justify;text-indent:-7.09pt"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Profit (Loss) attributable to the Parent (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14,101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;12,574&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;11,076&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Remuneration of PPCC and PPCA (EUR million) (Note 23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(622)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(620)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(492)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:41pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Dilutive effect of changes in profit for the period arising from potential conversion of ordinary shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;13,479&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;11,954&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;10,584&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:48pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;Profit (Loss) from discontinued operations (net of non-controlling interests) (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;717&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:56pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;Profit (Loss) from continuing operations (net of non-controlling interests and PPCC and PPCA) (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,517&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Weighted average number of shares outstanding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14,890,304,840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;15,497,607,269&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;16,172,084,714&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Dilutive effect of options/rights on shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;85,269,647&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;70,110,570&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;75,180,407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Adjusted number of shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14,975,574,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;15,567,717,839&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;16,247,265,121&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Diluted earnings (Loss) per share (euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.900&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.768&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.651&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Of which, from discounted operations (euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.064&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.053&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.044&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:33pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Diluted earnings (Loss) per share from continuing operations (euros)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.836&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.715&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;0.607&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:EarningsPerShareExplanatory>
    <ifrs-full:ProfitLossAttributableToOwnersOfParent contextRef="c-1" decimals="-6" id="f-1434" unitRef="eur">14101000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
    <ifrs-full:ProfitLossAttributableToOwnersOfParent contextRef="c-86" decimals="-6" id="f-1435" unitRef="eur">12574000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
    <ifrs-full:ProfitLossAttributableToOwnersOfParent contextRef="c-87" decimals="-6" id="f-1436" unitRef="eur">11076000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
    <san:AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities contextRef="c-1" decimals="-6" id="f-1437" unitRef="eur">-622000000</san:AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities>
    <san:AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities contextRef="c-86" decimals="-6" id="f-1438" unitRef="eur">-620000000</san:AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities>
    <san:AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities contextRef="c-87" decimals="-6" id="f-1439" unitRef="eur">-492000000</san:AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities>
    <ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity contextRef="c-1" decimals="-6" id="f-1440" unitRef="eur">13479000000</ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity>
    <ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity contextRef="c-86" decimals="-6" id="f-1441" unitRef="eur">11954000000</ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity>
    <ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity contextRef="c-87" decimals="-6" id="f-1442" unitRef="eur">10584000000</ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity>
    <ifrs-full:ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects contextRef="c-1" decimals="-6" id="f-1443" unitRef="eur">962000000</ifrs-full:ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects>
    <ifrs-full:ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects contextRef="c-86" decimals="-6" id="f-1444" unitRef="eur">822000000</ifrs-full:ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects>
    <ifrs-full:ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects contextRef="c-87" decimals="-6" id="f-1445" unitRef="eur">717000000</ifrs-full:ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects>
    <ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects contextRef="c-1" decimals="-6" id="f-1446" unitRef="eur">12517000000</ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects>
    <ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects contextRef="c-86" decimals="-6" id="f-1447" unitRef="eur">11132000000</ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects>
    <ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects contextRef="c-87" decimals="-6" id="f-1448" unitRef="eur">9867000000</ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects>
    <ifrs-full:WeightedAverageShares contextRef="c-1" decimals="0" id="f-1449" unitRef="shares">14890304840</ifrs-full:WeightedAverageShares>
    <ifrs-full:WeightedAverageShares contextRef="c-86" decimals="0" id="f-1450" unitRef="shares">15497607269</ifrs-full:WeightedAverageShares>
    <ifrs-full:WeightedAverageShares contextRef="c-87" decimals="0" id="f-1451" unitRef="shares">16172084714</ifrs-full:WeightedAverageShares>
    <ifrs-full:BasicEarningsLossPerShare
      contextRef="c-1"
      decimals="3"
      id="f-1452"
      unitRef="eurPerShare">0.905</ifrs-full:BasicEarningsLossPerShare>
    <ifrs-full:BasicEarningsLossPerShare
      contextRef="c-86"
      decimals="3"
      id="f-1453"
      unitRef="eurPerShare">0.771</ifrs-full:BasicEarningsLossPerShare>
    <ifrs-full:BasicEarningsLossPerShare
      contextRef="c-87"
      decimals="3"
      id="f-1454"
      unitRef="eurPerShare">0.654</ifrs-full:BasicEarningsLossPerShare>
    <ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations
      contextRef="c-1"
      decimals="3"
      id="f-1455"
      unitRef="eurPerShare">0.065</ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations>
    <ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations
      contextRef="c-86"
      decimals="3"
      id="f-1456"
      unitRef="eurPerShare">0.053</ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations>
    <ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations
      contextRef="c-87"
      decimals="3"
      id="f-1457"
      unitRef="eurPerShare">0.044</ifrs-full:BasicEarningsLossPerShareFromDiscontinuedOperations>
    <ifrs-full:BasicEarningsLossPerShareFromContinuingOperations
      contextRef="c-1"
      decimals="3"
      id="f-1458"
      unitRef="eurPerShare">0.840</ifrs-full:BasicEarningsLossPerShareFromContinuingOperations>
    <ifrs-full:BasicEarningsLossPerShareFromContinuingOperations
      contextRef="c-86"
      decimals="3"
      id="f-1459"
      unitRef="eurPerShare">0.718</ifrs-full:BasicEarningsLossPerShareFromContinuingOperations>
    <ifrs-full:BasicEarningsLossPerShareFromContinuingOperations
      contextRef="c-87"
      decimals="3"
      id="f-1460"
      unitRef="eurPerShare">0.610</ifrs-full:BasicEarningsLossPerShareFromContinuingOperations>
    <ifrs-full:ProfitLossAttributableToOwnersOfParent contextRef="c-1" decimals="-6" id="f-1461" unitRef="eur">14101000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
    <ifrs-full:ProfitLossAttributableToOwnersOfParent contextRef="c-86" decimals="-6" id="f-1462" unitRef="eur">12574000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
    <ifrs-full:ProfitLossAttributableToOwnersOfParent contextRef="c-87" decimals="-6" id="f-1463" unitRef="eur">11076000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
    <san:AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities contextRef="c-1" decimals="-6" id="f-1464" unitRef="eur">-622000000</san:AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities>
    <san:AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities contextRef="c-86" decimals="-6" id="f-1465" unitRef="eur">-620000000</san:AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities>
    <san:AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities contextRef="c-87" decimals="-6" id="f-1466" unitRef="eur">-492000000</san:AdjustmentToProfitLossForRemunerationOfContingentlyConvertiblePreferredSecurities>
    <san:DilutiveEffectOfPotentialConversionOfOrdinaryShares contextRef="c-1" decimals="-6" id="f-1467" unitRef="eur">0</san:DilutiveEffectOfPotentialConversionOfOrdinaryShares>
    <san:DilutiveEffectOfPotentialConversionOfOrdinaryShares contextRef="c-86" decimals="-6" id="f-1468" unitRef="eur">0</san:DilutiveEffectOfPotentialConversionOfOrdinaryShares>
    <san:DilutiveEffectOfPotentialConversionOfOrdinaryShares contextRef="c-87" decimals="-6" id="f-1469" unitRef="eur">0</san:DilutiveEffectOfPotentialConversionOfOrdinaryShares>
    <ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects contextRef="c-1" decimals="-6" id="f-1470" unitRef="eur">13479000000</ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects>
    <ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects contextRef="c-86" decimals="-6" id="f-1471" unitRef="eur">11954000000</ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects>
    <ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects contextRef="c-87" decimals="-6" id="f-1472" unitRef="eur">10584000000</ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects>
    <ifrs-full:ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects contextRef="c-1" decimals="-6" id="f-1473" unitRef="eur">962000000</ifrs-full:ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects>
    <ifrs-full:ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects contextRef="c-86" decimals="-6" id="f-1474" unitRef="eur">822000000</ifrs-full:ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects>
    <ifrs-full:ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects contextRef="c-87" decimals="-6" id="f-1475" unitRef="eur">717000000</ifrs-full:ProfitLossFromDiscontinuedOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects>
    <ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects contextRef="c-1" decimals="-6" id="f-1476" unitRef="eur">12517000000</ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects>
    <ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects contextRef="c-86" decimals="-6" id="f-1477" unitRef="eur">11132000000</ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects>
    <ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects contextRef="c-87" decimals="-6" id="f-1478" unitRef="eur">9867000000</ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects>
    <ifrs-full:WeightedAverageShares contextRef="c-1" decimals="0" id="f-1479" unitRef="shares">14890304840</ifrs-full:WeightedAverageShares>
    <ifrs-full:WeightedAverageShares contextRef="c-86" decimals="0" id="f-1480" unitRef="shares">15497607269</ifrs-full:WeightedAverageShares>
    <ifrs-full:WeightedAverageShares contextRef="c-87" decimals="0" id="f-1481" unitRef="shares">16172084714</ifrs-full:WeightedAverageShares>
    <san:DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares contextRef="c-1" decimals="0" id="f-1482" unitRef="shares">85269647</san:DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares>
    <san:DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares contextRef="c-86" decimals="0" id="f-1483" unitRef="shares">70110570</san:DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares>
    <san:DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares contextRef="c-87" decimals="0" id="f-1484" unitRef="shares">75180407</san:DilutiveEffectOfShareOptionsAndShareRightsOnNumberOfOrdinaryShares>
    <ifrs-full:AdjustedWeightedAverageShares contextRef="c-1" decimals="0" id="f-1485" unitRef="shares">14975574487</ifrs-full:AdjustedWeightedAverageShares>
    <ifrs-full:AdjustedWeightedAverageShares contextRef="c-86" decimals="0" id="f-1486" unitRef="shares">15567717839</ifrs-full:AdjustedWeightedAverageShares>
    <ifrs-full:AdjustedWeightedAverageShares contextRef="c-87" decimals="0" id="f-1487" unitRef="shares">16247265121</ifrs-full:AdjustedWeightedAverageShares>
    <ifrs-full:DilutedEarningsLossPerShare
      contextRef="c-1"
      decimals="3"
      id="f-1488"
      unitRef="eurPerShare">0.900</ifrs-full:DilutedEarningsLossPerShare>
    <ifrs-full:DilutedEarningsLossPerShare
      contextRef="c-86"
      decimals="3"
      id="f-1489"
      unitRef="eurPerShare">0.768</ifrs-full:DilutedEarningsLossPerShare>
    <ifrs-full:DilutedEarningsLossPerShare
      contextRef="c-87"
      decimals="3"
      id="f-1490"
      unitRef="eurPerShare">0.651</ifrs-full:DilutedEarningsLossPerShare>
    <ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations
      contextRef="c-1"
      decimals="3"
      id="f-1491"
      unitRef="eurPerShare">0.064</ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations>
    <ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations
      contextRef="c-86"
      decimals="3"
      id="f-1492"
      unitRef="eurPerShare">0.053</ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations>
    <ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations
      contextRef="c-87"
      decimals="3"
      id="f-1493"
      unitRef="eurPerShare">0.044</ifrs-full:DilutedEarningsLossPerShareFromDiscontinuedOperations>
    <ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations
      contextRef="c-1"
      decimals="3"
      id="f-1494"
      unitRef="eurPerShare">0.836</ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations>
    <ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations
      contextRef="c-86"
      decimals="3"
      id="f-1495"
      unitRef="eurPerShare">0.715</ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations>
    <ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations
      contextRef="c-87"
      decimals="3"
      id="f-1496"
      unitRef="eurPerShare">0.607</ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations>
    <ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory contextRef="c-1" id="f-1497">Remuneration and other benefits paid to the Bank&#x2019;s directors and senior managersThe following section contains qualitative and quantitative disclosures on the remuneration paid to the members of the board of directors &#x2014;both executive and non-executive directors&#x2014; and senior managers for 2025 and 2024&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ib8d1bfde2c6e40399de7afe37ab2a4da"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Remuneration of Directors&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;span id="i3b56fe5d95444c75bf7c7760b9144913"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Bylaw-stipulated emoluments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The annual general meeting held on 22 March 2013 approved an amendment to the Bylaws, whereby the remuneration of directors in their capacity as board members became an annual fixed amount determined by the annual general meeting. This amount shall remain in effect unless the shareholders resolve to change it at a general meeting. However, the board of directors may elect to reduce the amount in any years in which it deems such action justified.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The maximum remuneration established by the annual general meeting was EUR 6&#160;million  in 2025 (EUR 6&#160;million in 2024), with two components: (a)&#160;an annual emolument and (b)&#160;attendance fees.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The specific amount payable for the above-mentioned items to each of the directors is determined by the board of directors. For such purpose, it takes into consideration the positions held by each director on the board, their membership of the board and the board committees and their attendance to the meetings thereof, and any other objective circumstances considered by the board.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The total Bylaw-stipulated emoluments earned by the directors in 2025 amounted to EUR  5.3&#160;million (EUR 5.4&#160;million in 2024).&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="id100392053194ae8bf491a587919ba48"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Annual allotment&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For 2025, the board of directors, upon recommendation of the remuneration committee, approved a 3% increase in the annual&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;allotments payable to the chair and members of the board and its committees (including the executive committee), as well as to the lead independent director and the non-executive Vice Chair .  Accordingly, each director received, in respect of 2024 and 2025, the amounts corresponding to their service on the board and its committees, with such amounts determined by the specific position held, as detailed in the table below.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:62.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.727%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.493%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Amount per director in euros&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Members of the board of directors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;100,940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;98,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Members of the executive committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;175,100&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;170,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Members of the audit committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;44,290&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;43,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Members of the appointments committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;28,840&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;28,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Members of the remuneration committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;28,840&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;28,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Members of the risk supervision, regulation and compliance committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;44,290&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;43,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Members of the responsible banking, sustainability and culture committee &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;28,840&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;28,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Members of the innovation and technology committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;28,840&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;28,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Chair of the audit committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;72,100&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;70,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Chair of the appointments committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;51,500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Chair of the remuneration committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;51,500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Chair of the risk supervision, regulation and compliance committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;72,100&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;70,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Chair of the responsible banking, sustainability and culture committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;51,500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Chair of the innovation and technology committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;72,100&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;70,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Lead independent  director&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:105%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;113,300&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;110,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Non-executive Vice Chair&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;30,900&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;30,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Glenn Hutchins has been allocated EUR 700,000 (including annual allowances and attendance fees) in minimum total annual pay set for the required time and dedication to perform his roles.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i05e713c2bd1f46848162ab7ff10dc41a"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Attendance fees&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The directors receive fees for attending board and committee meetings, excluding executive committee meetings, where no attendance fees are received.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In line with the adjustment to the annual allotments, the board of directors approved a 3% increase for 2025 in attendance fees compared with 2024. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Accordingly, attendance fees for meetings of the board and its committees (with the exception of the Executive Committee, for which no attendance fees are payable) amounted, for the last two years, to the totals set out in the table below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:71.437%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.720%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.543%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Attendance fees per director per meeting in euros &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Board of directors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,785&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Audit committee and risk supervision, regulation and compliance committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,821&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,768&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other committees (excluding executive committee) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,606&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,560&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="iba037c01194d4f85b6d84e4807b6af76"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Salaries&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The executive directors receive salaries. In accordance with the policy approved by the annual general meeting, salaries are composed of a fixed annual remuneration and a variable one, which consists in a unique incentive, which is a deferred variable remuneration plan linked to multi-year objectives, which establishes the following payment scheme:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;40% of the variable remuneration amount, determined at year-end on the basis of the achievement of the established objectives, is paid immediately. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The remaining 60% is deferred over five years, provided that the conditions of permanence in the Group and non-concurrence of the malus clauses are met, and subject to long term metrics, taking into account the following accrual scheme: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;The accrual of the first and second portion (20% of total variable compensation, paid in 2027 and 2028)  will be conditional on none of the malus clauses being triggered.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;The accrual of the third, fourth and fifth portion (40% of total variable compensation and paid in 2029, 2030 and 2031), is linked to objectives related to the period 2025&#x2014;2027 and the metrics and scales associated with these objectives. The fulfilment of the objectives determines the percentage to be paid of the deferred amount in these three annuities, and these targets can reduce these amounts and the number of deferred instruments, or increase them up to a maximum achievement ratio of 125%, so executives have the incentive to exceed their targets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In accordance with current remuneration policies, the amounts already paid will be subject to a possible recovery (clawback) by the Bank during the period set out in the policy in force at each moment. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Payment of the approved incentive is paid  40% in cash and the remaining 60% in instruments, consisting of Banco Santander  shares and restricted stock units (RSUs) of PagoNxt, split as:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25e6; the amount of PagoNxt RSUs set for each year; and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x25e6; the rest, all in shares of Banco Santander. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="i9989b831538a42b496e083843d206d84"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Comparative of executive remuneration (Chair and CEO) &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The target bonus of the Executive Chair and the CEO for 2025 remains unchanged compared to 2024.&lt;br/&gt;&lt;br/&gt;Variable contributions to pensions were not modified in 2025, so the amounts are the 22% of the 30% of the last three assigned bonus' average.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In assessing individual performance, the Board considered the Grupo Santander&#x2019;s strong results for 2025, reflecting continued delivery of our strategic plan. Attributable profit reached EUR 14,101&#160;million in 2025, up 12% year-on-year (or +16% in constant euros), with a TSR during the year of 132% (+60% in relative terms vs. our peer group).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Board also evaluated the leadership of the Executive Chair and the Chief Executive Officer in delivering these results and advancing the Group&#x2019;s strategic priorities. Taking these factors into account, it determined that both executives achieved an 'Exceptional' level of performance and approved the corresponding variable remuneration.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Moreover, the ratio of executive directors&#x2019; total remuneration to underlying attributable profit fell to 0.17% from 0.18% in 2024.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i4b16e4c8e855424c9b0bba8062f205a8"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iii. Detail by director&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by bank director, of the short-term (immediate) and deferred (not subject to long-term goals) remuneration for 2025 and 2024 is provided below:&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.423%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR thousand&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="6" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Bylaw-stipulated emoluments&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="27" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Annual emolument&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Board&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Executive committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Audit committee&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Nomination committee&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Remuneration committee&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;1&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Risk supervision, regulation and compliance oversight committee&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;2&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Responsible banking, sustainability and culture committee&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Innovation and technology committee&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Attendance fees and commissions&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="30" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:30pt"&gt;&lt;td colspan="30" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Jos&#xe9; Antonio &#xc1;lvarez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;67&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Glenn Hutchins&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;78&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Homaira Akbari&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;81&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Javier Bot&#xed;n&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Sol Daurella&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Henrique de Castro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Gina D&#xed;ez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;63&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Luis Isasi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;74&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Bel&#xe9;n Romana&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Pamela Walkden&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;93&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Germ&#xe1;n de la Fuente&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Carlos Barrab&#xe9;s&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Antonio Weiss&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Bruce Carnegie-Brown&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Ramiro Mato&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total 2025&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,857&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;875&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;292&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;196&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;196&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;292&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;196&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;304&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,047&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total 2024&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,791&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;933&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;306&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;183&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;168&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;263&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;190&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;280&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,240&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A. All amounts received were reimbursed to Fundaci&#xf3;n Bot&#xed;n.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B. Director and member of the nomination committee, responsible banking, sustainability and culture committee and innovation and technology committee since 27 June 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C. Director since 27 June 2024.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D. Stepped down as director on 22 March 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E. Stepped down as director on 27 June 2024.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F. Also includes emoluments for other roles in the board.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;Changes in the chairship or membership of the committees:&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;1.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt"&gt;Antonio Weiss was appointed member of the remuneration committee on 1 January 2025.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;2.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt"&gt;Jos&#xe9; Antonio &#xc1;lvarez was appointed member of the risk supervision, regulation and compliance oversight committee on 1 January 2025.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;    Other remuneration includes EUR 1,000&#160;thousand for the role as non-executive Chair of the Santander Espa&#xf1;a business unit and for attending its board and committee meetings for Luis Isasi. For Jos&#xe9; Antonio &#xc1;lvarez, this amount includes remuneration as strategic advisor of Grupo Santander, life and health insurance contributions (EUR 678&#160;thousand) and part of the former supplement for having waived the death and disability policy (EUR 12&#160;thousand).&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.392%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.276%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:4pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Short-term and deferred (not subject to long-term goals) salaries of executive directors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:20pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Fixed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Variable - immediate payment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Deferred variable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:20pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;In cash&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;In instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;In cash&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;In instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Pension contribution&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Other remuneration&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;3,435&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;2,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;2,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;1,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;1,002&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;9,444&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;1,341&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;843&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;11,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;12,127&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;3,150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;1,384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;1,384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;7,302&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;1,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;718&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;9,489&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;9,137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Jos&#xe9; Antonio &#xc1;lvarez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;2,440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;2,887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;3,698&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Glenn Hutchins&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;700&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;700&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Homaira Akbari&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;285&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Javier Bot&#xed;n&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;144&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Sol Daurella&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;314&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Henrique de Castro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Gina D&#xed;ez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;225&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Luis Isasi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;1,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;1,423&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;1,440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Bel&#xe9;n Romana&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;599&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Pamela Walkden&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;383&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Germ&#xe1;n de la Fuente&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;344&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Carlos Barrab&#xe9;s&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;259&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Antonio Weiss&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;180&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;72&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Bruce Carnegie-Brown&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;78&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Ramiro Mato&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Total 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;6,585&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;3,387&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;3,387&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;1,693&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;1,694&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;16,746&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;2,461&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;5,001&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;29,462&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Total 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;6,585&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;3,130&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;3,130&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;1,877&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;1,879&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;16,601&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;2,444&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;5,815&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;30,214&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;Footnotes in previous table.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following is the detail by executive director of the salaries linked to multi-year objectives at their fair Value, which will only be received if the conditions of permanence in the Group, non-applicability of malus clauses and achievement of the established objectives are met (or, as the case may be, of the minimum thresholds thereof, with the consequent reduction of amount agreed-upon at the end of the&#160;year) in the terms described in Note&#160;46.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.247%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.379%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.125%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.887%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.379%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.383%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR thousand&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Variable subject to long-term&lt;br/&gt;objectives&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;1&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;In cash&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;In shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;In RSUs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;701&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,893&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,804&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;484&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,277&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,938&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,611&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,185&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,170&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;386&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,742&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,943&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;1. Corresponds with the fair value of the maximum amount they are entitled to in a total of 3 years: 2029, 2030 and 2031, subject to conditions of continued service, with the exceptions provided, and to the non-applicability of malus clauses and achievement of the objectives established. The face value of the three aforementioned deferred amounts is EUR 6,774 thousand for 2025 (EUR 4,006 thousand for Ana Bot&#xed;n and EUR 2,768 thousand for H&#xe9;ctor Grisi).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The fair value has been determined at the grant date based on the valuation report of an independent expert, Willis Towers Watson. Based on the design of the plan for 2025 and the levels of achievement of similar plans in comparable entities, the fair value considered is 70% of the variable remuneration subject to long-term objectives. (see note 46). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Note 5.e below includes disclosures on the shares delivered from the deferred remuneration schemes in place in previous years and for which delivery conditions were met, as well as on the maximum number of shares that may be received in future years in connection with the aforementioned 2025 and 2024 variable remuneration plans.&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="id609e2b9c7e4407db685bce90ee5dbb9"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Remuneration of the board members as representatives of the Bank&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;By resolution of the executive committee, all the remuneration received by the Bank&#x2019;s directors who represent the Bank on the boards of directors of listed companies in which the Bank has a stake, paid by those companies and relating to appointments made on or after 18 March 2002, accrues to the Group. In 2025 the Bank&#x2019;s directors did not receive any remuneration in respect of these representative duties. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On the other hand, in their personal capacity, in 2025  Homaira Akbari was paid USD 100&#160;thousand (EUR 85&#160;thousand) as member of the board of Santander Consumer USA Holdings, Inc. and EUR 200&#160;thousand as member of the board of PagoNxt S.L., and Jos&#xe9; Antonio &#xc1;lvarez and Henrique de Castro were each paid the same EUR 200&#160;thousand as members of the board of PagoNxt S.L. (Henrique de Castro also received EUR 15&#160;thousand as member of the nomination committee of PagoNxt, S.L.). Likewise, Pamela Walkden was paid GBP 100&#160;thousand (EUR 115&#160;thousand) as member of Santander UK plc and Santander UK Group Holdings; and Bel&#xe9;n Romana EUR 157&#160;thousand as member of the Board of Santander Insurance, S.L. &lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Likewise, Luis Isasi was paid EUR 1,000&#160;thousand as non-executive Chair of the Santander Espa&#xf1;a business unit and for attending its board and committee meetings (amounts paid by Banco Santander, S.A.).&lt;br/&gt;&lt;br/&gt;And finally, Jos&#xe9; Antonio &#xc1;lvarez, as strategic adviser of Grupo Santander, received fixed remuneration of EUR 1,750&#160;thousand. In addition, he received the life and health insurance contributions,  and the part of the former supplement for having waived the death and disability policy.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i2744889d3e284a1281329f3de4eb49d9"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;c) Post-employment and other long-term benefits&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In 2012, the contracts of Ana Bot&#xed;n and other members of the Bank's senior management with defined benefit pension commitments were modified to transform these commitments into a defined contribution system, which covers the contingencies of retirement, disability and death. From that moment on, the Bank makes annual contributions to their pension system for their benefit. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This system gives them the right to receive benefits upon retirement, regardless of whether or not they are active at the Bank at such time, based on contributions to the system, and replaced their previous right to receive a pension supplement in the event of retirement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The initial balance for Ana Bot&#xed;n in the new defined benefits system corresponded to the market value of the assets from which the provisions corresponding to the respective accrued obligations had materialised on the date on which the old pension commitments were transferred into the new benefits system.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Since 2013, the Bank has made annual contributions to the benefits system for executive directors and other members of executive team, in proportion to their respective pensionable bases, until they leave Grupo Santander or until their retirement within the Group, death, or disability. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The benefit plan system is outsourced to Santander Seguros y Reaseguros, Compa&#xf1;&#xed;a Aseguradora, S.A., and the economic rights of the foregoing directors under this plan belong to them regardless of whether or not they are active at the Bank at the time of their retirement, death or disability. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In accordance with the provisions of the remuneration regulations, contributions made calculated on variable remuneration are subject to the discretionary pension benefits regime. Under this regime, contributions are subject to malus clauses and clawback according to the policy in force at any given time and during the same period in which the variable remuneration is deferred. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Furthermore, they must be invested in bank shares for a period of five years from the date when the executive director leaves the Group, regardless of whether or not they leave to retire. Once that period has elapsed, the amount invested in shares will be reinvested, along with the remainder of the cumulative balance corresponding to the executive director, or it will be paid to the executive director or to their beneficiaries in the event of a contingency covered by the benefits system. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As per the director&#xb4;s remuneration policy approved at the 23 March 2018 general shareholder&#xb4;s meeting, the system was changed with a focus on: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Aligning the annual contributions with practices of comparable institutions. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Reducing future liabilities by eliminating the supplementary benefits scheme in the event of death (death of spouse or parent) and permanent disability of serving directors. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Not increasing total costs for the Bank. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes to the system were the following: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Fixed and variable pension contributions were reduced to 22% of the respective pensionable bases. The gross annual salaries and the benchmark variable remuneration were increased in the corresponding amount with no increase in total costs for the Bank. The pensionable base for the purposes of the annual contributions for the executive directors is the sum of fixed remuneration plus 30% of the average of their last three variable remuneration amounts. This means complying with Circular 2/2016 of the Bank of Spain, standard 41, on pension benefits, by which a part of not less than 15% of the total contribution must be based on variable components.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The death and disability supplementary benefits were eliminated since 1 April 2018. A fixed remuneration supplement (included in other remuneration in section a.iii in this note) was implemented the same date. During 2025, this fixed remuneration supplement has expired both for Ana Bot&#xed;n and Jos&#xe9; Antonio &#xc1;lvarez, in line with the age of 65 initially set at the time this remuneration component was approved.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The total amount insured for life and accident insurance was increased. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The provisions recognised in 2025 and 2024 for retirement pensions were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:68.596%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.142%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.962%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR thousand&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,341&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,339&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,461&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,445&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following is a detail of the balances relating to each of the directors under the welfare system as of  31 December 2025 and 2024:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:66.778%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.960%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.962%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR thousand&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;65,027&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;54,731&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,299&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Jos&#xe9; Antonio &#xc1;lvarez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,178&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,326&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;90,238&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;76,356&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="ied3b22854dd34a24b156490d1ec62dd1"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;d) Insurance&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group pays for life insurance policies for the Bank&#x2019;s directors, who will be entitled to receive benefits if they are declared disabled. In the event of death, the benefits will be payable to their heirs. The premiums paid by the Group are included in the 'Other remuneration' column of the table shown in Note 5.a.iii above. Also, the following table provides information on the sums insured for the Bank&#x2019;s directors:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:69.579%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Insured capital&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR thousand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 8.09pt 0 1pt;text-indent:-7.09pt"&gt;&lt;div style="margin-bottom:6pt;padding-right:7.09pt;text-align:justify;text-indent:-7.09pt"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,659&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,600&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,600&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Jos&#xe9; Antonio &#xc1;lvarez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;43,759&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;45,340&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The insured capital has been modified in 2018 for Ana Bot&#xed;n  as part of the pension systems transformation set out in note 5.c) above, which has encompassed the elimination of the supplementary benefits systems (death of spouse and death of parent) and the increase of the life and accident insurance annuities. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;During 2025 and 2024, the Group has disbursed a total amount of EUR 8.3 million and EUR 13.5&#160;million, respectively, for the payment of civil-liability insurance premiums. These premiums correspond to several civil-liability insurance policies that hedge, among others, directors, senior management and other managers and employees of the Group and the Bank itself, as well as its subsidiaries, in light of certain types of potential claims of third parties. For this reason, it is not possible to disaggregate or individualize the amount that correspond to the directors and executives.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As of 31 December 2025 and 2024, no life insurance commitments exist for the Group in respect of any other directors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span id="i9735f317b5424df3847f23d2d1e497cf"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;e) Deferred variable remuneration systems&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following information relates to the maximum number of shares to which the executive directors are entitled at the beginning and end of 2025 and 2024 due to their participation in the deferred variable remuneration systems, which instrumented a portion of their variable remuneration relating to 2025 and prior years, as well as on the deliveries, in shares or in cash, made to them in 2025 and 2024 once the conditions for the receipt thereof had been met (see Note 46):&lt;span id="ibacf1305fb5f412cbeac940f7d457216"&gt;&lt;/span&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:130%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ieaf1a203b525412f9e5da92b4bcd066b"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i) Deferred variable compensation plan linked to multiannual objectives&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the annual shareholders meeting of 18 March 2016, with the aim of simplifying the remuneration structure, improving the ex-ante risk adjustment and increasing the incidence of long-term objectives, the bonus plan (deferred and conditioned variable compensation plan) and ILP were replaced by one single plan. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The variable remuneration of executive directors and certain executives (including senior management) corresponding to 2025 has been approved by the board of directors and implemented through the tenth cycle of the deferred variable remuneration plan linked to multi-year objectives. The application of the plan was authorised by the annual general meeting of shareholders, as it entails the delivery of shares to the beneficiaries.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As indicated in section a.ii of this note, 60% of the variable remuneration amount is deferred over five years for executive directors, to be paid, where appropriate, provided that the conditions of permanence in the Group, according to the following accrual scheme: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The accrual of the first and second parts (instalments in 2027 and 2028) is conditional on none of the malus clauses being triggered.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The accrual of the third, fourth and fifth parts (instalments in  2029, 2030 and 2031) is linked to non-concurrence of malus clauses and the fulfilment of certain objectives related to the 2025&#x2011; 2027 period. These objectives and their respective weights are: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Banco Santander&#x2019;s consolidated Return on tangible equity (RoTE) target in &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:130%"&gt;2027&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; (weight of 30%).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Relative performance of Banco Santander's total shareholder return (TSR) in 2025-2027 in respect of the weighted TSR of a peer group comprising 9 credit institutions, with the appropriate TSR ratio based on the group&#x2019;s TSR among its peers (weight of 50%). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#x2013;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.33pt"&gt;Four sustainability metrics, which have different weighting (with a total weight of 20%).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The degree of compliance with the above objectives determines the&#160;percentage to be applied to the deferred amount in these three annuities, with a maximum achievement ratio of 125%, so executives have the incentive to exceed their targets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Both the immediate payment and the two first deferrals (short-term part) are paid 50% in cash and the remaining 50% in instruments. The last three deferrals (conditioned to long-term metrics) are paid 25% in cash and 75% in instruments.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The accrual of deferred amounts (whether or not subject to performance measures) is conditioned, in addition to the permanence of the beneficiary in the Group, to non-occurrence, during the period prior to each of the deliveries, of any the circumstances giving rise to the application of malus as set out in the Group&#x2019;s remuneration policy in its chapter related to malus and clawback. Likewise, the amounts already paid of the incentive will be subject to clawback by the Bank in the cases and during the term foreseen in said policy,  and in accordance with the terms and conditions foreseen in it.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Malus and clawback clauses are triggered by poor financial performance of Banco Santander, a division or area, or exposures from staff as a result of an executive(s)&#x2019;s management of, at least, one of these factors:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;i.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:9.97pt"&gt;Significant failures in risk management committed by the entity, or by a business unit or risk control.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;ii.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:7.94pt"&gt;The increase suffered by the entity or by a business unit of its capital needs, not foreseen at the time of generation of the exposures.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;iii.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.91pt"&gt;Regulatory sanctions or judicial sentences from events that could be attributable to the unit or the personnel responsible for those. Also, the breach of internal codes of conduct of the entity.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;iv.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.94pt"&gt;Irregular conduct, whether individual or collective. In this regard, the negative effects derived from the marketing of inappropriate products and the responsibilities of the people or bodies that made those decisions will be specially considered.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition to the existing policy on malus and clawback clauses of our remuneration policy, the addendum to our remuneration policy entitled 'Financial Statement Restatement Compensation' regulates the recoupment of compensation received by the executive directors of Banco Santander, S.A., and senior management, in the event of a financial restatement (according to the regulation) resulting from material noncompliance with financial reporting requirements under US federal securities laws.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The maximum amount of shares to be delivered under the plan is within the maximum amount of the award to be delivered in shares (EUR 11.5&#160;million) approved at the 2025 AGM for executive directors. At its meeting on 25 November 2025 and pursuant to the powers granted by shareholders at the 2025 AGM, the board agreed to amend the calculation period used to determine the number of shares to be delivered from 50 to 30 trading sessions (under no circumstances may the number of shares exceed the maximum approved at the AGM), as the board considered that this better reflects market practice and enables us to offset share price volatility. Thus, the number of shares to be delivered under the 2025 policy has been calculated with the weighted average daily volume of weighted average listing prices of Banco Santander shares in the 30 trading sessions prior to the Friday (not inclusive) before 4 February 2025 (the date on which the board approved the 2025 bonus for executive directors), which was EUR 10.261 per share. According to an independent experts' valuation, the price per PagoNxt, S.L. RSU equals EUR 61.07. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="ibbe32d149d7a41f48c7daa6bff5dfed9"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii) Shares assigned by deferred variable remuneration plans&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table shows the number of Santander shares assigned to each director already in service and pending delivery as of 1 January 2024, 31 December 2024 and 31 December 2025, as well as the gross shares that were delivered to them in 2024 and 2025, either in the form of an immediate payment or a deferred payment. In this case after having been appraised by the board, at the proposal of the remuneration committee, that the corresponding one-fifth of each plan had accrued. They come from the deferred conditional and linked to multi-year objectives in 2019, 2020, 2021, 2022, 2023, 2024 and 2025 were formalized.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.717%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Share-based variable remuneration&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Maximum number of shares to be delivered at January 1,2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2024 (immediate payment 2023 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2024 (deferred payment 2022 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2024 (deferred payment 2021 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2024 (deferred payment 2020 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2024 (deferred payment 2019 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Variable remuneration 2024 (Maximum number of shares to be delivered)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2019 variable remuneration&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;70,905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(35,452)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Jos&#xe9; Antonio &#xc1;lvarez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,386&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(23,693)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;118,290&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(59,145)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2020 variable remuneration&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;93,146&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(31,049)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Jos&#xe9; Antonio &#xc1;lvarez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50,594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16,865)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;143,740&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(47,914)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2021 variable remuneration&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;710,698&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(177,675)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Jos&#xe9; Antonio &#xc1;lvarez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;479,644&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(119,911)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,190,342&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(297,586)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2022 variable remuneration&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;358,419&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(62,334)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Jos&#xe9; Antonio &#xc1;lvarez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;241,954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(42,079)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;600,374&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(104,413)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023 variable remuneration&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,127,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(469,286)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;749,143&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(321,645)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,876,352&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(790,931)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024 variable remuneration&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;976,463&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;656,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,632,496&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025 variable remuneration&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;1&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;1.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt"&gt;For each director, 40% of the shares indicated correspond to the short-term variable (or immediate payment). The remaining 60% is deferred for delivery, where appropriate, in the next five years, the last three being subject to the fulfilment of multiannual objectives. Maximum opportunity subject to regulatory ratio compliance.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:18pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.688%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.944%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.944%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.944%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.944%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.944%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.944%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.944%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.544%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.944%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.904%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Maximum number of shares to be delivered at December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Instruments matured but not consolidated at January 1, 2025&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.61pt;font-weight:700;line-height:105%;position:relative;top:-2.48pt;vertical-align:baseline"&gt;2&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2025 (immediate payment 2024 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2025 (deferred payment 2023 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2025 (deferred payment 2022 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2025 (deferred payment 2021 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2025 (deferred payment 2020 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2025 (deferred payment 2019 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Variable remuneration 2025 (Maximum number of shares to be delivered)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Maximum number of shares to be delivered at December 31, 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(35,452)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,693&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(23,693)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;59,145&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(59,145)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,097&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(31,049)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,048&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16,865)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,864&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;95,826&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(47,914)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;47,912&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;533,023&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(44,774)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(162,750)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;325,499&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;359,733&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(30,218)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(109,838)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;219,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;892,756&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(74,992)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(272,588)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;545,176&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;296,085&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(62,334)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;233,751&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;199,875&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(42,079)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;157,796&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;495,961&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(104,413)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;391,548&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;657,923&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(114,421)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;543,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;427,498&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(74,347)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;353,151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,085,421&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(188,768)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;896,653&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;976,463&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(404,447)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;572,016&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;656,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(279,480)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;376,553&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,632,496&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(683,927)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander 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Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;948,569&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" 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style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;602,746&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;602,746&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;408,159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;408,159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,010,904&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,010,904&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;2.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt"&gt;The levels of achievement of the multi-year metrics of the long-term variable remuneration plans:&lt;/span&gt;&lt;span style="background-color:#ffff00;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;    1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"&gt;) Seventh cycle of the deferred multi-year objectives variable remuneration plan (2022):&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt; 115.2% of achievement for the period 2022-2024.&lt;br/&gt;a. RoTE metric for 2024 year-end period at 150%. Weight of 40.0%.&lt;br/&gt;b. Relative TSR metric in 2022-2024 period at 83% of achievement. Weight of 40.0%.&lt;br/&gt;c. Sustainability metrics at 25% of achievement. Weight of 20.0%. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;    &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;    2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"&gt;) Sixth cycle of the deferred multi-year objectives variable remuneration plan (2021)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;: 91.6% of achievement for the period 2021-2023.&lt;br/&gt;a. CET1 metric at 100% of achievement for 2023 year-end period (target 12.00%). Weight of 33.3%.&lt;br/&gt;b. Underlying BPA growth at 150% of achievement (target growth of 100%). Weight of 33.3%.&lt;br/&gt;c. TSR metric at 25% of achievement (target of 33 to 66 percentile). Weight of 33.3%.&lt;br/&gt;&lt;/span&gt;&lt;span style="background-color:#ffff00;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;&lt;br/&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;3&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"&gt;) Fifth cycle of the deferred multi-year objectives variable remuneration plan (2020)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;: 83.0% of achievement for the period 2020-2022.&lt;br/&gt;a. CET1 metric at 100% of achievement for 2022 year-end period (target 12.00%). Weight of 33.3%.&lt;br/&gt;b. Underlying BPA growth at 150% of achievement (target growth of 10%). Weight of 33.3%.&lt;br/&gt;c. TSR metric at 0% of achievement (minimum target of 33% not reached). Weight of 33.3%&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Furthermore, the maximum number of  RSUs of PagoNxt, S.L. to be delivered under the current plan (and subject to regulatory ratio compliance) is 9,415 and 7,909 units for Ana Bot&#xed;n and H&#xe9;ctor Grisi, respectively.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, the table below shows the cash delivered in 2025 and 2024, by way of either immediate payment or deferred payment, in the latter case once the Board had determined, at the proposal of the remuneration committee, that one deferral relating to each plan had accrued:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.644%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR thousand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash paid (immediate payment 2024 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash paid (deferred payments from 2023, 2022, 2021 and 2020 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash paid (immediate payment 2023 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash paid (deferred payments from 2022, 2021, 2020 and 2019 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,851&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,759&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,780&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,419&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,279&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;366&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,220&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;863&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Jos&#xe9; Antonio &#xc1;lvarez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;815&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;945&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,130&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,940&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,228&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i2d9b142fe3ce4c0ba08ceefd4a143e6e"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iii) Information on former members of the board of directors&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The chart below includes  information on the maximum number of shares to which former members of the board of directors, are entitled for their participation in the various deferred variable remuneration systems, which instrumented a portion of their variable remuneration relating to the years in which they were executive directors. Also set forth below is information on the deliveries, whether in shares or in cash, made in 2025 and 2024 to former board members, upon achievement of the conditions for the receipt thereof (see note 46):&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:76.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.160%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Maximum number of shares to be delivered&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2019)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,490&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2020)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,511&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71,024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2021)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137,400&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;206,100&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:12pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:76.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.160%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Number of shares delivered&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 7.75pt 0 1pt;text-indent:-7.09pt"&gt;&lt;div style="margin-bottom:6pt;padding-right:6.75pt;text-align:justify;text-indent:-7.09pt"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2018)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,860&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2019)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,490&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,490&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2020)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,512&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,512&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2021)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68,700&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,911&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, EUR 724 thousand and EUR 650&#160;thousand relating to the deferred portion payable in cash of the aforementioned plans were paid each in 2025 and 2024. &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="id6858bb28e0f4fcd8030c61636c5fac3_26153"&gt;&lt;/span&gt;&lt;span id="id6858bb28e0f4fcd8030c61636c5fac3_26400"&gt;&lt;/span&gt;&lt;span id="id6858bb28e0f4fcd8030c61636c5fac3_26401"&gt;&lt;/span&gt;&lt;span id="i35704fcb0bd14f0aa7b2ff9bfa44333c"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;f) Loans&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander&#x2019;s direct risk exposure to the bank&#x2019;s directors and the guarantees provided for them are detailed below. These transactions were made on terms equivalent to those that prevail in arm&#x2019;s-length transactions or the related compensation in kind was recognized:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.832%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR thousand&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loans and credits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Guarantees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loans and credits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Guarantees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Jos&#xe9; Antonio &#xc1;lvarez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Glenn Hutchins&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Antonio Francesco Weiss &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Bel&#xe9;n Romana&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Bruce Carnegie-Brown&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Germ&#xe1;n de la Fuente&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gina D&#xed;ez Barroso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Henrique de Castro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Homaira Akbari&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Javier Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Juan Carlos Barrab&#xe9;s  &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Luis Isasi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pamela Walkden&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ramiro Mato&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Sol Daurella &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;140&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;140&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;143&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;143&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Ceased as director of Banco Santander, S.A. on 22 March 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt"&gt;Director since 27 June 2024. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.7pt"&gt;Director since 27 June 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5pt"&gt;Ceased as director of Banco Santander, S.A. on 27 June 2024 .&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;margin-top:9pt"&gt;&lt;span id="i7eb636f7f29c459e95accae5f87295e2"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;g) Senior management&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%"&gt;The table below includes the amounts relating to the short-term remuneration of the members of senior management at 31 December 2025 and those at 31 December 2024, excluding the remuneration of the executive directors, which is detailed above.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.985%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.237%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="33" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR thousand&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Short-term salaries and deferred remuneration&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Variable remuneration (bonus) - Immediate payment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Deferred variable remuneration&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Number&#160;of&lt;br/&gt;persons&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fixed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;In cash&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;In instruments&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;2&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;In cash&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;In instruments&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;3&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;br/&gt;remuneration&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;1&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,255&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,180&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,306&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,306&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,910&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,456&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,592&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,466&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,376&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,377&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,319&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,320&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,520&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,153&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49,531&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;1.Includes other remuneration items such as life and medical insurance premiums and localization aids and lastly RSUs from PagoNxt S.L., for the work of one director in said entity.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;2.&#160;&#160;&#160;&#160;The amount of immediate payment for 2024 is 894,587 shares (1,611,965  Santander shares in 2024).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:18pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;3.&#160;&#160;&#160;&#160;The deferred amount in instruments not linked to long-term objectives for 2024 is 416,410  shares ( 725,399 Santander shares in 2024).&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition to the amounts reflected in the table, salary remunerations amounting to EUR 4,118 thousand were granted in the form of buyouts and sign-on awards, related to the recruitment of new members who joined this employee group during the year.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In 2025, the ratio of variable to fixed pay components was 134% of the total for senior managers, well within the maximum limit of 200% set by 2024 AGM.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Also, the detail of the breakdown of the remuneration linked to long-term objectives of the members of senior management at 31 December 2025 and 31 December 2024 is provided below. These remuneration payments shall be received, as the case may be, in the corresponding deferral periods, upon achievement of the conditions stipulated for each payment (see note&#160;46):&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.109%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.109%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.504%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.125%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR thousand&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Variable remuneration subject to long-term objectives&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;1&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Number&#160;of&#160;people&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash&#160;&lt;br/&gt;payment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Instrument&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;payment&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,522&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,043&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,486&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,971&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;1.&#160;&#160;&#160;&#160;Relates to the fair value of the maximum annual amounts for years 2029, 2030 and 2031 of the tenth cycle of the deferred conditional variable remuneration plan (2028, 2029 and 2030 for the ninth cycle of the deferred variable compensation plan linked to annual objectives for the year 2024). The face value of the three aforementioned deferred amounts is EUR 12,919&#160;thousand for 2025.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, members of senior management who stepped down from their roles in 2025 consolidated salary remuneration and other remuneration for a total amount of EUR 2,905 thousand (EUR 12,303&#160;thousand in 2024). In 2025 rights regarding variable&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;pay subject to long-term objectives amounted to EUR 342 thousand (EUR 633 thousand were generated in 2024 for this collective). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The maximum number of Santander shares that the members of senior management at each plan grant date (excluding executive directors) were entitled to receive as of 31 December 2025 and 31 December 2024 relating to the deferred portion under the various plans then in force is the following (see note&#160;46):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:63.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.494%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Maximum number of shares to be delivered&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2019) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71,294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2020)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;145,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;370,522&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2021)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;486,863&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;966,680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2022)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;891,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,430,464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2023)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;934,609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,395,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2024)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,601,213&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Since the conditions established in the corresponding deferred share-based remuneration schemes for prior years had been met, the following number of Santander shares was delivered in 2025 and 2024 to the senior management, in addition to the payment of the related cash amounts:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:63.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.961%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.333%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Number&#160;of&#160;shares&#160;delivered&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2018)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,730&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2019) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;54,249&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71,294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2020) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;145,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;185,261&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2021) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;243,433&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;351,777&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2022) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;266,390&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;357,615&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2023) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;233,652&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,212,984&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2024) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,399,679&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As indicated in note 5.c above, senior management participate in the benefit system created in 2012, which covers the contingencies of retirement, disability and death. Banco Santander makes annual contributions to the benefit plans of its senior managers. In 2012, the contracts of the senior managers with benefit pension commitments were amended to transform them into a contribution system. The system, which is outsourced to Santander Seguros y Reaseguros, Compa&#xf1;&#xed;a Aseguradora, S.A., gives senior managers the right to receive benefits upon retirement, regardless of whether or not they are active at Banco Santander at such time, based on contributions to the system. This new system replaced their previous right to receive a pension supplement in the event of retirement. In the event of pre-retirement, and up to the retirement date, senior managers appointed prior to September 2015 are entitled to receive an annual allowance.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, further to applicable remuneration regulations, from 2016 (inclusive), a discretionary pension benefit component of at least 15% of total remuneration  in contributions to the pension system has been included. Under the regime corresponding to these discretionary benefits, the contributions that are calculated on variable remunerations are subject to malus and clawback clauses, subject to policies applicable at each time, and during the same period in which the variable remuneration is deferred.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Likewise, the annual contributions calculated on variable remunerations must be invested in Bank shares for a period of five years from the date that the senior manager leaves the Group, regardless of whether or not they leave to retire. Once that period has elapsed, the amount invested in shares will be reinvested, along with the remainder of the cumulative balance corresponding to the senior manager, or it will be paid to the senior manager or to their beneficiaries in the event of a contingency covered by the benefits system.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The contracts of some members of senior management were modified at the beginning of 2018 with the same objective and changes indicated in section c of this note for Ana Bot&#xed;n. The modifications, which are aimed at aligning the annual contributions with the practices of comparable institutions and reducing the risk of future obligations by eliminating the supplementary scheme for death (widowhood and orphanhood) and permanent disability in service without increasing the costs to the bank, are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Contributions to the pensionable bases were reduced. Gross annual salaries were increased in the corresponding amount.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The death and disability supplementary benefits were eliminated since 1 January 2018 for some members of senior management and since 1 April 2018 for executive directors. A fixed remuneration supplement reflected in other remuneration in the table above was implemented on the same date.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The amounts insured for life and accident insurance were increased.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;All of the above was done without an increase in total cost for the Bank.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The balance as of 31 December 2025 in the pension system for those who were part of senior management at year end amounted to EUR 51&#160;million (EUR 51&#160;million at 31 December 2024).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The net charge to income corresponding to pension amounted to EUR 4.9&#160;million  in 2025 (EUR 4.5&#160;million in 31 December 2024).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In 2025 and 2024 there have been no payments in the form of a single payment of the annual voluntary pre-retirement allowance.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, the capital insured by life and accident insurance at 31 December 2025 of this group amounts to EUR 78&#160;million (EUR 83&#160;million at 31 December 2024).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i5eff45286f704bad8b11359cd1182180"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;h) Post-employment benefits to former directors and former senior executive vice presidents&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The post-employment benefits and settlements paid in 2025 to former directors of the Bank, other than those detailed in note&#160;5.c amounted to EUR 5.6&#160;million and EUR 5.6&#160;million in 2024, respectively. Also, the post-employment benefits and settlements paid in 2025 to former executive vice presidents amounted to EUR 16&#160;million  and EUR 12.7&#160;million  in 2024, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Contributions to insurance policies that hedge pensions to previous members of the Bank&#x2019;s board of directors, amounted to EUR 0.17&#160;million in 2025 (EUR 0.17&#160;million in 2024). Likewise, contributions to insurance policies that hedge pensions for previous senior managers amounted to EUR 1.3&#160;million in 2025 (EUR 2.3&#160;million in 2024).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;No releases or charges were recorded in the consolidated income statement for pension commitments and similar obligations held by the Group with previous former members of the bank's board of directors or former members of senior management in 2025 and 2024.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, 'Provisions&#160;- Pension Fund and similar obligations' in the consolidated balance sheet as at 31 December 2025 included EUR 43&#160;million in respect of the post-employment benefit obligations to former Directors of the Bank (EUR 46&#160;million at 31 December 2024) and EUR 108&#160;million corresponding to former members of senior management (EUR 96&#160;million at 31 December 2024).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i98f70407a972422a9f4a076cc534c1ad"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;i) Pre-retirement and retirement&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The board of directors approved an amendment to the contracts of executive directors whereby they ceased to have the right to pre-retire in case of termination of his contract.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="ifd105e0ed6eb43eab70122226f576e95"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;j) Contract termination&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The executive directors and members of senior management have indefinite-term employment contracts. Executive directors or senior managers whose contracts are terminated voluntarily or due to breach of duties are not entitled to receive any economic compensation. If Banco Santander terminates the contract for any other reason, they will be entitled to the corresponding legally-stipulated termination benefit, without prejudice to any compensation that may  for non-competition obligations, as detailed in the directors' remuneration policy. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;If Banco Santander were to terminate her contract, Ana Bot&#xed;n would have to remain at Banco Santander&#x2019;s disposal for a period of 4 months in order to ensure an adequate transition, and would receive her fixed salary during that period.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i31e5ac1f73364b8bab320ddd5a07b6a5"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;k) Information on investments held by the directors in other companies and conflicts of interest&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;None of the members of the board of directors have declared that they or persons related to them may have a direct or indirect conflict of interest with the interests of Banco Santander, S.A., as set forth in article 229 of the Corporate Enterprises Act.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;</ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory>
    <san:KeyManagementPersonnelCompensationBoardApprovedAnnualAmount contextRef="c-366" decimals="-6" id="f-1498" unitRef="eur">6000000</san:KeyManagementPersonnelCompensationBoardApprovedAnnualAmount>
    <san:KeyManagementPersonnelCompensationBoardApprovedAnnualAmount contextRef="c-367" decimals="-6" id="f-1499" unitRef="eur">6000000</san:KeyManagementPersonnelCompensationBoardApprovedAnnualAmount>
    <san:NumberOfRemunerationComponents
      contextRef="c-368"
      decimals="INF"
      id="f-1500"
      unitRef="remuneration_component">2</san:NumberOfRemunerationComponents>
    <san:KeyManagementPersonnelCompensationByLawStipulatedEmoluments contextRef="c-368" decimals="-5" id="f-1501" unitRef="eur">5300000</san:KeyManagementPersonnelCompensationByLawStipulatedEmoluments>
    <san:KeyManagementPersonnelCompensationByLawStipulatedEmoluments contextRef="c-369" decimals="-5" id="f-1502" unitRef="eur">5400000</san:KeyManagementPersonnelCompensationByLawStipulatedEmoluments>
    <san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAnnualEmolumentTableTextBlock contextRef="c-1" id="f-1503">&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For 2025, the board of directors, upon recommendation of the remuneration committee, approved a 3% increase in the annual&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;allotments payable to the chair and members of the board and its committees (including the executive committee), as well as to the lead independent director and the non-executive Vice Chair .  Accordingly, each director received, in respect of 2024 and 2025, the amounts corresponding to their service on the board and its committees, with such amounts determined by the specific position held, as detailed in the table below.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:62.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.727%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.493%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Amount per director in euros&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Members of the board of directors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;100,940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;98,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Members of the executive committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;175,100&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;170,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Members of the audit committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;44,290&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;43,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Members of the appointments committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;28,840&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;28,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Members of the remuneration committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;28,840&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;28,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Members of the risk supervision, regulation and compliance committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;44,290&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;43,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Members of the responsible banking, sustainability and culture committee &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;28,840&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;28,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Members of the innovation and technology committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;28,840&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;28,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Chair of the audit committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;72,100&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;70,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Chair of the appointments committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;51,500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Chair of the remuneration committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;51,500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Chair of the risk supervision, regulation and compliance committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;72,100&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;70,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Chair of the responsible banking, sustainability and culture committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;51,500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Chair of the innovation and technology committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;72,100&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;70,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Lead independent  director&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:105%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;113,300&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;110,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Non-executive Vice Chair&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;30,900&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;30,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Glenn Hutchins has been allocated EUR 700,000 (including annual allowances and attendance fees) in minimum total annual pay set for the required time and dedication to perform his roles.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAnnualEmolumentTableTextBlock>
    <san:IncreaseDecreaseKeyManagementPersonnelCompensationDirectorCompensationPerDirectorPercentage contextRef="c-1" decimals="2" id="f-1504" unitRef="number">0.03</san:IncreaseDecreaseKeyManagementPersonnelCompensationDirectorCompensationPerDirectorPercentage>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-368" decimals="INF" id="f-1505" unitRef="eur">100940</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-369" decimals="INF" id="f-1506" unitRef="eur">98000</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-370" decimals="INF" id="f-1507" unitRef="eur">175100</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-371" decimals="INF" id="f-1508" unitRef="eur">170000</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-372" decimals="INF" id="f-1509" unitRef="eur">44290</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-373" decimals="INF" id="f-1510" unitRef="eur">43000</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-374" decimals="INF" id="f-1511" unitRef="eur">28840</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-375" decimals="INF" id="f-1512" unitRef="eur">28000</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-376" decimals="INF" id="f-1513" unitRef="eur">28840</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-377" decimals="INF" id="f-1514" unitRef="eur">28000</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-378" decimals="INF" id="f-1515" unitRef="eur">44290</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-379" decimals="INF" id="f-1516" unitRef="eur">43000</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-380" decimals="INF" id="f-1517" unitRef="eur">28840</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-381" decimals="INF" id="f-1518" unitRef="eur">28000</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-382" decimals="INF" id="f-1519" unitRef="eur">28840</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-383" decimals="INF" id="f-1520" unitRef="eur">28000</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-384" decimals="INF" id="f-1521" unitRef="eur">72100</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-385" decimals="INF" id="f-1522" unitRef="eur">70000</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-386" decimals="INF" id="f-1523" unitRef="eur">51500</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-387" decimals="INF" id="f-1524" unitRef="eur">50000</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-388" decimals="INF" id="f-1525" unitRef="eur">51500</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-389" decimals="INF" id="f-1526" unitRef="eur">50000</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-390" decimals="INF" id="f-1527" unitRef="eur">72100</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-391" decimals="INF" id="f-1528" unitRef="eur">70000</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-392" decimals="INF" id="f-1529" unitRef="eur">51500</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-393" decimals="INF" id="f-1530" unitRef="eur">50000</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-394" decimals="INF" id="f-1531" unitRef="eur">72100</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-395" decimals="INF" id="f-1532" unitRef="eur">70000</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-396" decimals="INF" id="f-1533" unitRef="eur">113300</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-397" decimals="INF" id="f-1534" unitRef="eur">110000</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-398" decimals="INF" id="f-1535" unitRef="eur">30900</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-399" decimals="INF" id="f-1536" unitRef="eur">30000</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector contextRef="c-400" decimals="INF" id="f-1537" unitRef="eur">700000</san:KeyManagementPersonnelCompensationDirectorCompensationPerDirector>
    <san:IncreaseDecreaseKeyManagementPersonnelCompensationAttendanceFeesPercentage
      contextRef="c-401"
      decimals="2"
      id="f-1538"
      unitRef="number">0.03</san:IncreaseDecreaseKeyManagementPersonnelCompensationAttendanceFeesPercentage>
    <san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAttendanceFeesExplanatoryTableTextBlock contextRef="c-1" id="f-1539">:&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:71.437%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.720%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.543%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Attendance fees per director per meeting in euros &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Board of directors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,785&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Audit committee and risk supervision, regulation and compliance committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,821&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,768&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other committees (excluding executive committee) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,606&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,560&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationAttendanceFeesExplanatoryTableTextBlock>
    <san:KeyManagementPersonnelCompensationAttendanceFeesPerMeeting contextRef="c-368" decimals="0" id="f-1540" unitRef="eur">2785</san:KeyManagementPersonnelCompensationAttendanceFeesPerMeeting>
    <san:KeyManagementPersonnelCompensationAttendanceFeesPerMeeting contextRef="c-369" decimals="0" id="f-1541" unitRef="eur">2704</san:KeyManagementPersonnelCompensationAttendanceFeesPerMeeting>
    <san:KeyManagementPersonnelCompensationAttendanceFeesPerMeeting contextRef="c-402" decimals="0" id="f-1542" unitRef="eur">1821</san:KeyManagementPersonnelCompensationAttendanceFeesPerMeeting>
    <san:KeyManagementPersonnelCompensationAttendanceFeesPerMeeting contextRef="c-403" decimals="0" id="f-1543" unitRef="eur">1768</san:KeyManagementPersonnelCompensationAttendanceFeesPerMeeting>
    <san:KeyManagementPersonnelCompensationAttendanceFeesPerMeeting contextRef="c-404" decimals="0" id="f-1544" unitRef="eur">1606</san:KeyManagementPersonnelCompensationAttendanceFeesPerMeeting>
    <san:KeyManagementPersonnelCompensationAttendanceFeesPerMeeting contextRef="c-405" decimals="0" id="f-1545" unitRef="eur">1560</san:KeyManagementPersonnelCompensationAttendanceFeesPerMeeting>
    <san:VariableRemunerationImmediatePaymentPercentage contextRef="c-1" decimals="2" id="f-1546" unitRef="number">0.40</san:VariableRemunerationImmediatePaymentPercentage>
    <san:VariableRemunerationDeferredPercentage contextRef="c-1" decimals="2" id="f-1547" unitRef="number">0.60</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferralPeriod contextRef="c-1" id="f-1548">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-406"
      decimals="2"
      id="f-1549"
      unitRef="number">0.20</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-407"
      decimals="2"
      id="f-1550"
      unitRef="number">0.40</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferredPaymentNumberOfAnnuities
      contextRef="c-1"
      decimals="INF"
      id="f-1551"
      unitRef="annuity">3</san:VariableRemunerationDeferredPaymentNumberOfAnnuities>
    <san:VariableRemunerationMaximumAchievementRatio contextRef="c-1" decimals="2" id="f-1552" unitRef="number">1.25</san:VariableRemunerationMaximumAchievementRatio>
    <san:VariableRemunerationDeferredPaymentPercentagePaidInCash
      contextRef="c-408"
      decimals="2"
      id="f-1553"
      unitRef="number">0.40</san:VariableRemunerationDeferredPaymentPercentagePaidInCash>
    <san:VariableRemunerationDeferredPaymentPercentagePaidInShares
      contextRef="c-408"
      decimals="2"
      id="f-1554"
      unitRef="number">0.60</san:VariableRemunerationDeferredPaymentPercentagePaidInShares>
    <san:DefinedBenefitObligationPensionableBasePercentageOfBasis
      contextRef="c-409"
      decimals="2"
      id="f-1555"
      unitRef="number">0.22</san:DefinedBenefitObligationPensionableBasePercentageOfBasis>
    <san:DefinedBenefitObligationPensionableBaseBasisPercentageOfBonusAverage
      contextRef="c-409"
      decimals="2"
      id="f-1556"
      unitRef="number">0.30</san:DefinedBenefitObligationPensionableBaseBasisPercentageOfBonusAverage>
    <san:DefinedBenefitObligationPensionableBaseBasisNumberOfPreviousBonuses
      contextRef="c-409"
      decimals="INF"
      id="f-1557"
      unitRef="branch">3</san:DefinedBenefitObligationPensionableBaseBasisNumberOfPreviousBonuses>
    <ifrs-full:ProfitLossAttributableToOwnersOfParent contextRef="c-1" decimals="-6" id="f-1558" unitRef="eur">14101000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
    <san:ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentage contextRef="c-1" decimals="2" id="f-1559" unitRef="number">0.12</san:ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentage>
    <san:ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentageInConstantEuros contextRef="c-1" decimals="2" id="f-1560" unitRef="number">0.16</san:ProfitLossAttributableToOwnersOfParentIncreaseDecreasePercentageInConstantEuros>
    <san:TotalShareholderReturnPercentage contextRef="c-1" decimals="2" id="f-1561" unitRef="number">1.32</san:TotalShareholderReturnPercentage>
    <san:DifferenceBetweenTotalShareholderReturnAndPeerGroupPercentage contextRef="c-1" decimals="2" id="f-1562" unitRef="number">0.60</san:DifferenceBetweenTotalShareholderReturnAndPeerGroupPercentage>
    <san:RatioOfExecutiveDirectorsTotalRemunerationToUnderlyingAttributableProfit contextRef="c-1" decimals="4" id="f-1563" unitRef="number">0.0017</san:RatioOfExecutiveDirectorsTotalRemunerationToUnderlyingAttributableProfit>
    <san:RatioOfExecutiveDirectorsTotalRemunerationToUnderlyingAttributableProfit contextRef="c-86" decimals="4" id="f-1564" unitRef="number">0.0018</san:RatioOfExecutiveDirectorsTotalRemunerationToUnderlyingAttributableProfit>
    <san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationOfKeyPersonnelExcludingRemunerationForMultiAnnualObjectivesTableTextBlock contextRef="c-1" id="f-1565">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by bank director, of the short-term (immediate) and deferred (not subject to long-term goals) remuneration for 2025 and 2024 is provided below:&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.423%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR thousand&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="6" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Bylaw-stipulated emoluments&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="27" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Annual emolument&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Board&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Executive committee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Audit committee&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Nomination committee&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Remuneration committee&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;1&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Risk supervision, regulation and compliance oversight committee&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:700;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;2&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Responsible banking, sustainability and culture committee&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Innovation and technology committee&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Attendance fees and commissions&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="30" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:30pt"&gt;&lt;td colspan="30" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Jos&#xe9; Antonio &#xc1;lvarez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;67&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Glenn Hutchins&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;78&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Homaira Akbari&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;81&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Javier Bot&#xed;n&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Sol Daurella&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Henrique de Castro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Gina D&#xed;ez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;63&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Luis Isasi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;74&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Bel&#xe9;n Romana&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Pamela Walkden&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;93&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Germ&#xe1;n de la Fuente&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Carlos Barrab&#xe9;s&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Antonio Weiss&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Bruce Carnegie-Brown&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Ramiro Mato&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total 2025&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,857&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;875&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;292&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;196&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;196&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;292&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;196&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;304&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,047&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total 2024&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,791&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;933&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;306&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;183&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;168&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;263&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;190&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;280&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,240&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A. All amounts received were reimbursed to Fundaci&#xf3;n Bot&#xed;n.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B. Director and member of the nomination committee, responsible banking, sustainability and culture committee and innovation and technology committee since 27 June 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C. Director since 27 June 2024.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D. Stepped down as director on 22 March 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E. Stepped down as director on 27 June 2024.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F. Also includes emoluments for other roles in the board.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;Changes in the chairship or membership of the committees:&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;1.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt"&gt;Antonio Weiss was appointed member of the remuneration committee on 1 January 2025.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;2.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt"&gt;Jos&#xe9; Antonio &#xc1;lvarez was appointed member of the risk supervision, regulation and compliance oversight committee on 1 January 2025.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;    Other remuneration includes EUR 1,000&#160;thousand for the role as non-executive Chair of the Santander Espa&#xf1;a business unit and for attending its board and committee meetings for Luis Isasi. For Jos&#xe9; Antonio &#xc1;lvarez, this amount includes remuneration as strategic advisor of Grupo Santander, life and health insurance contributions (EUR 678&#160;thousand) and part of the former supplement for having waived the death and disability policy (EUR 12&#160;thousand).&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.392%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.276%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:4pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Short-term and deferred (not subject to long-term goals) salaries of executive directors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:20pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Fixed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Variable - immediate payment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Deferred variable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:20pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;In cash&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;In instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;In cash&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;In instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Pension contribution&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Other remuneration&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;3,435&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;2,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;2,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;1,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;1,002&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;9,444&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;1,341&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;843&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;11,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;12,127&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;3,150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;1,384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;1,384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;7,302&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;1,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;718&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;9,489&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;9,137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Jos&#xe9; Antonio &#xc1;lvarez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;2,440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;2,887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;3,698&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Glenn Hutchins&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;700&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;700&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Homaira Akbari&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;285&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Javier Bot&#xed;n&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;144&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Sol Daurella&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;314&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Henrique de Castro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Gina D&#xed;ez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;225&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Luis Isasi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;1,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;1,423&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;1,440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Bel&#xe9;n Romana&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;599&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Pamela Walkden&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;383&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Germ&#xe1;n de la Fuente&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;344&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Carlos Barrab&#xe9;s&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;259&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Antonio Weiss&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;180&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;72&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Bruce Carnegie-Brown&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;78&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;Ramiro Mato&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.03pt;font-weight:400;line-height:105%;position:relative;top:-2.71pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Total 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;6,585&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;3,387&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;3,387&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;1,693&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;1,694&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;16,746&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;2,461&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;5,001&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;29,462&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;Total 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;6,585&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;3,130&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;3,130&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;1,877&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;1,879&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;16,601&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;2,444&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;5,815&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:700;line-height:105%"&gt;30,214&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.75pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;Footnotes in previous table.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%"&gt;The table below includes the amounts relating to the short-term remuneration of the members of senior management at 31 December 2025 and those at 31 December 2024, excluding the remuneration of the executive directors, which is detailed above.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.985%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.237%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="33" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR thousand&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Short-term salaries and deferred remuneration&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Variable remuneration (bonus) - Immediate payment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Deferred variable remuneration&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Number&#160;of&lt;br/&gt;persons&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fixed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;In cash&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;In instruments&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;2&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;In cash&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;In instruments&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;3&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;br/&gt;remuneration&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;1&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,255&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,180&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,306&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,306&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,910&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,456&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,592&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,466&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,376&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,377&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,319&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,320&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,520&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,153&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49,531&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;1.Includes other remuneration items such as life and medical insurance premiums and localization aids and lastly RSUs from PagoNxt S.L., for the work of one director in said entity.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;2.&#160;&#160;&#160;&#160;The amount of immediate payment for 2024 is 894,587 shares (1,611,965  Santander shares in 2024).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:18pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;3.&#160;&#160;&#160;&#160;The deferred amount in instruments not linked to long-term objectives for 2024 is 416,410  shares ( 725,399 Santander shares in 2024).&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationOfKeyPersonnelExcludingRemunerationForMultiAnnualObjectivesTableTextBlock>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-410" decimals="-3" id="f-1566" unitRef="eur">101000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-411" decimals="-3" id="f-1567" unitRef="eur">175000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-412" decimals="-3" id="f-1568" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-413" decimals="-3" id="f-1569" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-414" decimals="-3" id="f-1570" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-415" decimals="-3" id="f-1571" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-416" decimals="-3" id="f-1572" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-417" decimals="-3" id="f-1573" unitRef="eur">29000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-418" decimals="-3" id="f-1574" unitRef="eur">44000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-419" decimals="-3" id="f-1575" unitRef="eur">101000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-420" decimals="-3" id="f-1576" unitRef="eur">175000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-421" decimals="-3" id="f-1577" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-422" decimals="-3" id="f-1578" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-423" decimals="-3" id="f-1579" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-424" decimals="-3" id="f-1580" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-425" decimals="-3" id="f-1581" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-426" decimals="-3" id="f-1582" unitRef="eur">29000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-427" decimals="-3" id="f-1583" unitRef="eur">44000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-428" decimals="-3" id="f-1584" unitRef="eur">132000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-429" decimals="-3" id="f-1585" unitRef="eur">175000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-430" decimals="-3" id="f-1586" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-431" decimals="-3" id="f-1587" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-432" decimals="-3" id="f-1588" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-433" decimals="-3" id="f-1589" unitRef="eur">44000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-434" decimals="-3" id="f-1590" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-435" decimals="-3" id="f-1591" unitRef="eur">29000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-436" decimals="-3" id="f-1592" unitRef="eur">67000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-437" decimals="-3" id="f-1593" unitRef="eur">412000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-438" decimals="-3" id="f-1594" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-439" decimals="-3" id="f-1595" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-440" decimals="-3" id="f-1596" unitRef="eur">29000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-441" decimals="-3" id="f-1597" unitRef="eur">80000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-442" decimals="-3" id="f-1598" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-443" decimals="-3" id="f-1599" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-444" decimals="-3" id="f-1600" unitRef="eur">101000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-445" decimals="-3" id="f-1601" unitRef="eur">78000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-446" decimals="-3" id="f-1602" unitRef="eur">101000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-447" decimals="-3" id="f-1603" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-448" decimals="-3" id="f-1604" unitRef="eur">44000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-449" decimals="-3" id="f-1605" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-450" decimals="-3" id="f-1606" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-451" decimals="-3" id="f-1607" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-452" decimals="-3" id="f-1608" unitRef="eur">29000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-453" decimals="-3" id="f-1609" unitRef="eur">29000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-454" decimals="-3" id="f-1610" unitRef="eur">81000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-455" decimals="-3" id="f-1611" unitRef="eur">101000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-456" decimals="-3" id="f-1612" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-457" decimals="-3" id="f-1613" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-458" decimals="-3" id="f-1614" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-459" decimals="-3" id="f-1615" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-460" decimals="-3" id="f-1616" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-461" decimals="-3" id="f-1617" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-462" decimals="-3" id="f-1618" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-463" decimals="-3" id="f-1619" unitRef="eur">36000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-464" decimals="-3" id="f-1620" unitRef="eur">101000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-465" decimals="-3" id="f-1621" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
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    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-467" decimals="-3" id="f-1623" unitRef="eur">29000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-468" decimals="-3" id="f-1624" unitRef="eur">29000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-469" decimals="-3" id="f-1625" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-470" decimals="-3" id="f-1626" unitRef="eur">80000</ifrs-full:KeyManagementPersonnelCompensation>
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    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-472" decimals="-3" id="f-1628" unitRef="eur">75000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-473" decimals="-3" id="f-1629" unitRef="eur">101000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-474" decimals="-3" id="f-1630" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-475" decimals="-3" id="f-1631" unitRef="eur">44000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-476" decimals="-3" id="f-1632" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-477" decimals="-3" id="f-1633" unitRef="eur">29000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-478" decimals="-3" id="f-1634" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-479" decimals="-3" id="f-1635" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-480" decimals="-3" id="f-1636" unitRef="eur">29000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-481" decimals="-3" id="f-1637" unitRef="eur">80000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-482" decimals="-3" id="f-1638" unitRef="eur">101000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-483" decimals="-3" id="f-1639" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-484" decimals="-3" id="f-1640" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-485" decimals="-3" id="f-1641" unitRef="eur">29000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-486" decimals="-3" id="f-1642" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-487" decimals="-3" id="f-1643" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-488" decimals="-3" id="f-1644" unitRef="eur">29000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-489" decimals="-3" id="f-1645" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-490" decimals="-3" id="f-1646" unitRef="eur">63000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-491" decimals="-3" id="f-1647" unitRef="eur">101000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-492" decimals="-3" id="f-1648" unitRef="eur">175000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-493" decimals="-3" id="f-1649" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-494" decimals="-3" id="f-1650" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-495" decimals="-3" id="f-1651" unitRef="eur">29000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-496" decimals="-3" id="f-1652" unitRef="eur">44000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-497" decimals="-3" id="f-1653" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-498" decimals="-3" id="f-1654" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-499" decimals="-3" id="f-1655" unitRef="eur">74000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-500" decimals="-3" id="f-1656" unitRef="eur">101000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-501" decimals="-3" id="f-1657" unitRef="eur">175000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-502" decimals="-3" id="f-1658" unitRef="eur">44000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-503" decimals="-3" id="f-1659" unitRef="eur">80000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-504" decimals="-3" id="f-1660" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-505" decimals="-3" id="f-1661" unitRef="eur">44000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-506" decimals="-3" id="f-1662" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-507" decimals="-3" id="f-1663" unitRef="eur">29000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-508" decimals="-3" id="f-1664" unitRef="eur">107000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-509" decimals="-3" id="f-1665" unitRef="eur">101000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-510" decimals="-3" id="f-1666" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-511" decimals="-3" id="f-1667" unitRef="eur">44000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-512" decimals="-3" id="f-1668" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-513" decimals="-3" id="f-1669" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-514" decimals="-3" id="f-1670" unitRef="eur">116000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-515" decimals="-3" id="f-1671" unitRef="eur">29000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-516" decimals="-3" id="f-1672" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-517" decimals="-3" id="f-1673" unitRef="eur">93000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-518" decimals="-3" id="f-1674" unitRef="eur">101000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-519" decimals="-3" id="f-1675" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-520" decimals="-3" id="f-1676" unitRef="eur">116000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-521" decimals="-3" id="f-1677" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-522" decimals="-3" id="f-1678" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-523" decimals="-3" id="f-1679" unitRef="eur">44000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-524" decimals="-3" id="f-1680" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-525" decimals="-3" id="f-1681" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-526" decimals="-3" id="f-1682" unitRef="eur">83000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-527" decimals="-3" id="f-1683" unitRef="eur">101000</ifrs-full:KeyManagementPersonnelCompensation>
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    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-529" decimals="-3" id="f-1685" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-530" decimals="-3" id="f-1686" unitRef="eur">29000</ifrs-full:KeyManagementPersonnelCompensation>
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    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-532" decimals="-3" id="f-1688" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
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    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-540" decimals="-3" id="f-1696" unitRef="eur">29000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-541" decimals="-3" id="f-1697" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-542" decimals="-3" id="f-1698" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-543" decimals="-3" id="f-1699" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
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    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-550" decimals="-3" id="f-1706" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
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    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-554" decimals="-3" id="f-1710" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
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    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-556" decimals="-3" id="f-1712" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-557" decimals="-3" id="f-1713" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-558" decimals="-3" id="f-1714" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-559" decimals="-3" id="f-1715" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-560" decimals="-3" id="f-1716" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-561" decimals="-3" id="f-1717" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-562" decimals="-3" id="f-1718" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-368" decimals="-3" id="f-1719" unitRef="eur">1857000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-370" decimals="-3" id="f-1720" unitRef="eur">875000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-372" decimals="-3" id="f-1721" unitRef="eur">292000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-374" decimals="-3" id="f-1722" unitRef="eur">196000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-376" decimals="-3" id="f-1723" unitRef="eur">196000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-378" decimals="-3" id="f-1724" unitRef="eur">292000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-380" decimals="-3" id="f-1725" unitRef="eur">196000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-382" decimals="-3" id="f-1726" unitRef="eur">304000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-563" decimals="-3" id="f-1727" unitRef="eur">1047000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-369" decimals="-3" id="f-1728" unitRef="eur">1791000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-371" decimals="-3" id="f-1729" unitRef="eur">933000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-373" decimals="-3" id="f-1730" unitRef="eur">306000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-375" decimals="-3" id="f-1731" unitRef="eur">183000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-377" decimals="-3" id="f-1732" unitRef="eur">168000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-379" decimals="-3" id="f-1733" unitRef="eur">263000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-381" decimals="-3" id="f-1734" unitRef="eur">190000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-383" decimals="-3" id="f-1735" unitRef="eur">280000</ifrs-full:KeyManagementPersonnelCompensation>
    <ifrs-full:KeyManagementPersonnelCompensation contextRef="c-564" decimals="-3" id="f-1736" unitRef="eur">1240000</ifrs-full:KeyManagementPersonnelCompensation>
    <san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary contextRef="c-565" decimals="-3" id="f-1737" unitRef="eur">1000000</san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary>
    <san:KeyManagementPersonnelDirectorsCompensationReceivedLifeAndHealthInsuranceContribution contextRef="c-428" decimals="-3" id="f-1738" unitRef="eur">678000</san:KeyManagementPersonnelDirectorsCompensationReceivedLifeAndHealthInsuranceContribution>
    <san:KeyManagementPersonnelDirectorsCompensationReceivedWaivingDeathAndDisabilityPolicy contextRef="c-428" decimals="-3" id="f-1739" unitRef="eur">12000</san:KeyManagementPersonnelDirectorsCompensationReceivedWaivingDeathAndDisabilityPolicy>
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    <san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation contextRef="c-566" decimals="-3" id="f-1741" unitRef="eur">2003000</san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation>
    <san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments contextRef="c-566" decimals="-3" id="f-1742" unitRef="eur">2003000</san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments>
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    <san:KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits contextRef="c-566" decimals="-3" id="f-1744" unitRef="eur">1002000</san:KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationShortTermAndDeferred contextRef="c-566" decimals="-3" id="f-1745" unitRef="eur">9444000</san:KeyManagementPersonnelCompensationShortTermAndDeferred>
    <ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits contextRef="c-566" decimals="-3" id="f-1746" unitRef="eur">1341000</ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits>
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    <san:KeyManagementPersonnelCompensationEmployeeBenefits contextRef="c-566" decimals="-3" id="f-1748" unitRef="eur">11977000</san:KeyManagementPersonnelCompensationEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationEmployeeBenefits contextRef="c-567" decimals="-3" id="f-1749" unitRef="eur">12127000</san:KeyManagementPersonnelCompensationEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed contextRef="c-568" decimals="-3" id="f-1750" unitRef="eur">3150000</san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed>
    <san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation contextRef="c-568" decimals="-3" id="f-1751" unitRef="eur">1384000</san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation>
    <san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments contextRef="c-568" decimals="-3" id="f-1752" unitRef="eur">1384000</san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments>
    <san:KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits contextRef="c-568" decimals="-3" id="f-1753" unitRef="eur">692000</san:KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits contextRef="c-568" decimals="-3" id="f-1754" unitRef="eur">692000</san:KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationShortTermAndDeferred contextRef="c-568" decimals="-3" id="f-1755" unitRef="eur">7302000</san:KeyManagementPersonnelCompensationShortTermAndDeferred>
    <ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits contextRef="c-568" decimals="-3" id="f-1756" unitRef="eur">1120000</ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits>
    <san:KeyManagementPersonnelCompensationOtherEmployeeBenefits contextRef="c-568" decimals="-3" id="f-1757" unitRef="eur">718000</san:KeyManagementPersonnelCompensationOtherEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationEmployeeBenefits contextRef="c-568" decimals="-3" id="f-1758" unitRef="eur">9489000</san:KeyManagementPersonnelCompensationEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationEmployeeBenefits contextRef="c-569" decimals="-3" id="f-1759" unitRef="eur">9137000</san:KeyManagementPersonnelCompensationEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed contextRef="c-570" decimals="-3" id="f-1760" unitRef="eur">0</san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed>
    <san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation contextRef="c-570" decimals="-3" id="f-1761" unitRef="eur">0</san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation>
    <san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments contextRef="c-570" decimals="-3" id="f-1762" unitRef="eur">0</san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments>
    <san:KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits contextRef="c-570" decimals="-3" id="f-1763" unitRef="eur">0</san:KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits contextRef="c-570" decimals="-3" id="f-1764" unitRef="eur">0</san:KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits>
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    <san:KeyManagementPersonnelCompensationShortTermAndDeferred contextRef="c-596" decimals="-3" id="f-1895" unitRef="eur">0</san:KeyManagementPersonnelCompensationShortTermAndDeferred>
    <ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits contextRef="c-596" decimals="-3" id="f-1896" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits>
    <san:KeyManagementPersonnelCompensationOtherEmployeeBenefits contextRef="c-596" decimals="-3" id="f-1897" unitRef="eur">0</san:KeyManagementPersonnelCompensationOtherEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationEmployeeBenefits contextRef="c-596" decimals="-3" id="f-1898" unitRef="eur">0</san:KeyManagementPersonnelCompensationEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationEmployeeBenefits contextRef="c-597" decimals="-3" id="f-1899" unitRef="eur">78000</san:KeyManagementPersonnelCompensationEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed contextRef="c-598" decimals="-3" id="f-1900" unitRef="eur">0</san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed>
    <san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation contextRef="c-598" decimals="-3" id="f-1901" unitRef="eur">0</san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation>
    <san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments contextRef="c-598" decimals="-3" id="f-1902" unitRef="eur">0</san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments>
    <san:KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits contextRef="c-598" decimals="-3" id="f-1903" unitRef="eur">0</san:KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits contextRef="c-598" decimals="-3" id="f-1904" unitRef="eur">0</san:KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationShortTermAndDeferred contextRef="c-598" decimals="-3" id="f-1905" unitRef="eur">0</san:KeyManagementPersonnelCompensationShortTermAndDeferred>
    <ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits contextRef="c-598" decimals="-3" id="f-1906" unitRef="eur">0</ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits>
    <san:KeyManagementPersonnelCompensationOtherEmployeeBenefits contextRef="c-598" decimals="-3" id="f-1907" unitRef="eur">0</san:KeyManagementPersonnelCompensationOtherEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationEmployeeBenefits contextRef="c-598" decimals="-3" id="f-1908" unitRef="eur">0</san:KeyManagementPersonnelCompensationEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationEmployeeBenefits contextRef="c-599" decimals="-3" id="f-1909" unitRef="eur">271000</san:KeyManagementPersonnelCompensationEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed contextRef="c-1" decimals="-3" id="f-1910" unitRef="eur">6585000</san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed>
    <san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation contextRef="c-1" decimals="-3" id="f-1911" unitRef="eur">3387000</san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation>
    <san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments contextRef="c-1" decimals="-3" id="f-1912" unitRef="eur">3387000</san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments>
    <san:KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits contextRef="c-1" decimals="-3" id="f-1913" unitRef="eur">1693000</san:KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits contextRef="c-1" decimals="-3" id="f-1914" unitRef="eur">1694000</san:KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationShortTermAndDeferred contextRef="c-1" decimals="-3" id="f-1915" unitRef="eur">16746000</san:KeyManagementPersonnelCompensationShortTermAndDeferred>
    <ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits contextRef="c-1" decimals="-3" id="f-1916" unitRef="eur">2461000</ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits>
    <san:KeyManagementPersonnelCompensationOtherEmployeeBenefits contextRef="c-1" decimals="-3" id="f-1917" unitRef="eur">5001000</san:KeyManagementPersonnelCompensationOtherEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationEmployeeBenefits contextRef="c-1" decimals="-3" id="f-1918" unitRef="eur">29462000</san:KeyManagementPersonnelCompensationEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed contextRef="c-86" decimals="-3" id="f-1919" unitRef="eur">6585000</san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsFixed>
    <san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation contextRef="c-86" decimals="-3" id="f-1920" unitRef="eur">3130000</san:KeyManagementPersonnelCompensationShortTermEmployeeBenefitsVariableCashCompensation>
    <san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments contextRef="c-86" decimals="-3" id="f-1921" unitRef="eur">3130000</san:KeyManagementPersonnelCompensationShareBasedPaymentVariableImmediatePayments>
    <san:KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits contextRef="c-86" decimals="-3" id="f-1922" unitRef="eur">1877000</san:KeyManagementPersonnelCompensationDeferredCashBasedShortTermEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits contextRef="c-86" decimals="-3" id="f-1923" unitRef="eur">1879000</san:KeyManagementPersonnelCompensationDeferredShareBasedShortTermEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationShortTermAndDeferred contextRef="c-86" decimals="-3" id="f-1924" unitRef="eur">16601000</san:KeyManagementPersonnelCompensationShortTermAndDeferred>
    <ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits contextRef="c-86" decimals="-3" id="f-1925" unitRef="eur">2444000</ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits>
    <san:KeyManagementPersonnelCompensationOtherEmployeeBenefits contextRef="c-86" decimals="-3" id="f-1926" unitRef="eur">5815000</san:KeyManagementPersonnelCompensationOtherEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationEmployeeBenefits contextRef="c-86" decimals="-3" id="f-1927" unitRef="eur">30214000</san:KeyManagementPersonnelCompensationEmployeeBenefits>
    <san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationVariableObjectiveExplanatoryTableTextBlock contextRef="c-1" id="f-1928">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following is the detail by executive director of the salaries linked to multi-year objectives at their fair Value, which will only be received if the conditions of permanence in the Group, non-applicability of malus clauses and achievement of the established objectives are met (or, as the case may be, of the minimum thresholds thereof, with the consequent reduction of amount agreed-upon at the end of the&#160;year) in the terms described in Note&#160;46.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.247%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.379%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.125%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.887%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.379%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.383%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR thousand&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Variable subject to long-term&lt;br/&gt;objectives&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;1&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;In cash&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;In shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;In RSUs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;701&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,893&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,804&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;484&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,277&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,938&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,611&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,185&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,170&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;386&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,742&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,943&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;1. Corresponds with the fair value of the maximum amount they are entitled to in a total of 3 years: 2029, 2030 and 2031, subject to conditions of continued service, with the exceptions provided, and to the non-applicability of malus clauses and achievement of the objectives established. The face value of the three aforementioned deferred amounts is EUR 6,774 thousand for 2025 (EUR 4,006 thousand for Ana Bot&#xed;n and EUR 2,768 thousand for H&#xe9;ctor Grisi).&lt;/span&gt;&lt;/div&gt;These remuneration payments shall be received, as the case may be, in the corresponding deferral periods, upon achievement of the conditions stipulated for each payment (see note&#160;46):&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.109%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.109%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.504%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.125%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR thousand&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Variable remuneration subject to long-term objectives&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;1&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Number&#160;of&#160;people&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash&#160;&lt;br/&gt;payment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Instrument&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;payment&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,522&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,043&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,486&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,971&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;1.&#160;&#160;&#160;&#160;Relates to the fair value of the maximum annual amounts for years 2029, 2030 and 2031 of the tenth cycle of the deferred conditional variable remuneration plan (2028, 2029 and 2030 for the ninth cycle of the deferred variable compensation plan linked to annual objectives for the year 2024). The face value of the three aforementioned deferred amounts is EUR 12,919&#160;thousand for 2025.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationVariableObjectiveExplanatoryTableTextBlock>
    <san:KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits contextRef="c-600" decimals="-3" id="f-1929" unitRef="eur">701000</san:KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits contextRef="c-600" decimals="-3" id="f-1930" unitRef="eur">1893000</san:KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs contextRef="c-600" decimals="-3" id="f-1931" unitRef="eur">210000</san:KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs>
    <ifrs-full:KeyManagementPersonnelCompensationOtherLongtermBenefits contextRef="c-600" decimals="-3" id="f-1932" unitRef="eur">2804000</ifrs-full:KeyManagementPersonnelCompensationOtherLongtermBenefits>
    <ifrs-full:KeyManagementPersonnelCompensationOtherLongtermBenefits contextRef="c-601" decimals="-3" id="f-1933" unitRef="eur">2332000</ifrs-full:KeyManagementPersonnelCompensationOtherLongtermBenefits>
    <san:KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits contextRef="c-602" decimals="-3" id="f-1934" unitRef="eur">484000</san:KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits contextRef="c-602" decimals="-3" id="f-1935" unitRef="eur">1277000</san:KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs contextRef="c-602" decimals="-3" id="f-1936" unitRef="eur">176000</san:KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs>
    <ifrs-full:KeyManagementPersonnelCompensationOtherLongtermBenefits contextRef="c-602" decimals="-3" id="f-1937" unitRef="eur">1938000</ifrs-full:KeyManagementPersonnelCompensationOtherLongtermBenefits>
    <ifrs-full:KeyManagementPersonnelCompensationOtherLongtermBenefits contextRef="c-603" decimals="-3" id="f-1938" unitRef="eur">1611000</ifrs-full:KeyManagementPersonnelCompensationOtherLongtermBenefits>
    <san:KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits contextRef="c-604" decimals="-3" id="f-1939" unitRef="eur">1185000</san:KeyManagementPersonnelCompensationVariableCashBasedLongTermEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits contextRef="c-604" decimals="-3" id="f-1940" unitRef="eur">3170000</san:KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefits>
    <san:KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs contextRef="c-604" decimals="-3" id="f-1941" unitRef="eur">386000</san:KeyManagementPersonnelCompensationVariableShareBasedLongTermEmployeeBenefitsRSUs>
    <ifrs-full:KeyManagementPersonnelCompensationOtherLongtermBenefits contextRef="c-604" decimals="-3" id="f-1942" unitRef="eur">4742000</ifrs-full:KeyManagementPersonnelCompensationOtherLongtermBenefits>
    <ifrs-full:KeyManagementPersonnelCompensationOtherLongtermBenefits contextRef="c-605" decimals="-3" id="f-1943" unitRef="eur">3943000</ifrs-full:KeyManagementPersonnelCompensationOtherLongtermBenefits>
    <san:KeyManagementPersonnelCompensationOtherLongTermEmployeeBenefitsConditionsOfContinuedServicePeriod contextRef="c-1" id="f-1944">P3Y</san:KeyManagementPersonnelCompensationOtherLongTermEmployeeBenefitsConditionsOfContinuedServicePeriod>
    <san:KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration
      contextRef="c-606"
      decimals="INF"
      id="f-1945"
      unitRef="variable_remuneration">3</san:KeyManagementPersonnelCompensationNumberOfVariableLongTermEmployeeBenefitsDeferredRemuneration>
    <san:KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration contextRef="c-604" decimals="-3" id="f-1946" unitRef="eur">6774000</san:KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration>
    <san:KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration contextRef="c-600" decimals="-3" id="f-1947" unitRef="eur">4006000</san:KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration>
    <san:KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration contextRef="c-602" decimals="-3" id="f-1948" unitRef="eur">2768000</san:KeyManagementPersonnelCompensationVariableLongTermEmployeeBenefitsDeferredRemuneration>
    <san:PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan
      contextRef="c-607"
      decimals="2"
      id="f-1949"
      unitRef="number">0.70</san:PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan>
    <san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary contextRef="c-608" decimals="-3" id="f-1950" unitRef="usd">100000</san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary>
    <san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary contextRef="c-608" decimals="-3" id="f-1951" unitRef="eur">85000</san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary>
    <san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary contextRef="c-609" decimals="-3" id="f-1952" unitRef="eur">200000</san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary>
    <san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary contextRef="c-610" decimals="-3" id="f-1953" unitRef="eur">200000</san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary>
    <san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary contextRef="c-611" decimals="-3" id="f-1954" unitRef="eur">200000</san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary>
    <san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary contextRef="c-612" decimals="-3" id="f-1955" unitRef="eur">15000</san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary>
    <san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary contextRef="c-613" decimals="-3" id="f-1956" unitRef="gbp">100000</san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary>
    <san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary contextRef="c-613" decimals="-3" id="f-1957" unitRef="eur">115000</san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary>
    <san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary contextRef="c-614" decimals="-3" id="f-1958" unitRef="eur">157000</san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary>
    <san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary contextRef="c-615" decimals="-3" id="f-1959" unitRef="eur">1000000</san:KeyManagementPersonnelDirectorsCompensationReceivedFromSubsidiary>
    <san:KeyManagementPersonnelDirectorsCompensationReceivedAsStrategicAdviser contextRef="c-570" decimals="-3" id="f-1960" unitRef="eur">1750000</san:KeyManagementPersonnelDirectorsCompensationReceivedAsStrategicAdviser>
    <san:PeriodForInvestmentInBankSharesFromDateOfTermination contextRef="c-1" id="f-1961">P5Y</san:PeriodForInvestmentInBankSharesFromDateOfTermination>
    <san:DefinedBenefitObligationPensionableBaseDeathOrDisabilityPercentage
      contextRef="c-368"
      decimals="2"
      id="f-1962"
      unitRef="number">0.22</san:DefinedBenefitObligationPensionableBaseDeathOrDisabilityPercentage>
    <san:DefinedBenefitObligationPensionableBasePercentAverageOfLastThreeVariableRemunerationAmounts
      contextRef="c-368"
      decimals="2"
      id="f-1963"
      unitRef="number">0.30</san:DefinedBenefitObligationPensionableBasePercentAverageOfLastThreeVariableRemunerationAmounts>
    <san:DefinedBenefitObligationPensionableBaseNumberOfVariableRemunerationAmounts
      contextRef="c-368"
      decimals="INF"
      id="f-1964"
      unitRef="variable_remuneration">3</san:DefinedBenefitObligationPensionableBaseNumberOfVariableRemunerationAmounts>
    <san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationProvisionsForRetirementPensionsAndSupplementaryBenefitsTableTextBlock contextRef="c-1" id="f-1965">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The provisions recognised in 2025 and 2024 for retirement pensions were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:68.596%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.142%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.962%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR thousand&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,341&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,339&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,461&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,445&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationProvisionsForRetirementPensionsAndSupplementaryBenefitsTableTextBlock>
    <ifrs-full:ProvisionsForEmployeeBenefits contextRef="c-616" decimals="-3" id="f-1966" unitRef="eur">1341000</ifrs-full:ProvisionsForEmployeeBenefits>
    <ifrs-full:ProvisionsForEmployeeBenefits contextRef="c-617" decimals="-3" id="f-1967" unitRef="eur">1339000</ifrs-full:ProvisionsForEmployeeBenefits>
    <ifrs-full:ProvisionsForEmployeeBenefits contextRef="c-618" decimals="-3" id="f-1968" unitRef="eur">1120000</ifrs-full:ProvisionsForEmployeeBenefits>
    <ifrs-full:ProvisionsForEmployeeBenefits contextRef="c-619" decimals="-3" id="f-1969" unitRef="eur">1105000</ifrs-full:ProvisionsForEmployeeBenefits>
    <ifrs-full:ProvisionsForEmployeeBenefits contextRef="c-620" decimals="-3" id="f-1970" unitRef="eur">2461000</ifrs-full:ProvisionsForEmployeeBenefits>
    <ifrs-full:ProvisionsForEmployeeBenefits contextRef="c-621" decimals="-3" id="f-1971" unitRef="eur">2445000</ifrs-full:ProvisionsForEmployeeBenefits>
    <san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationWelfareSystemTableTextBlock contextRef="c-1" id="f-1972">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following is a detail of the balances relating to each of the directors under the welfare system as of  31 December 2025 and 2024:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:66.778%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.960%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.962%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR thousand&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;65,027&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;54,731&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,299&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Jos&#xe9; Antonio &#xc1;lvarez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,178&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,326&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;90,238&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;76,356&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationWelfareSystemTableTextBlock>
    <san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld contextRef="c-410" decimals="-3" id="f-1973" unitRef="eur">65027000</san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld>
    <san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld contextRef="c-622" decimals="-3" id="f-1974" unitRef="eur">54731000</san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld>
    <san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld contextRef="c-419" decimals="-3" id="f-1975" unitRef="eur">2033000</san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld>
    <san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld contextRef="c-623" decimals="-3" id="f-1976" unitRef="eur">1299000</san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld>
    <san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld contextRef="c-428" decimals="-3" id="f-1977" unitRef="eur">23178000</san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld>
    <san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld contextRef="c-624" decimals="-3" id="f-1978" unitRef="eur">20326000</san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld>
    <san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld contextRef="c-368" decimals="-3" id="f-1979" unitRef="eur">90238000</san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld>
    <san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld contextRef="c-369" decimals="-3" id="f-1980" unitRef="eur">76356000</san:KeyManagementPersonnelCompensationDefinedContributionPlanBalancesHeld>
    <san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationLifeInsuranceTableTextBlock contextRef="c-1" id="f-1981">Also, the following table provides information on the sums insured for the Bank&#x2019;s directors:&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:69.579%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Insured capital&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR thousand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 8.09pt 0 1pt;text-indent:-7.09pt"&gt;&lt;div style="margin-bottom:6pt;padding-right:7.09pt;text-align:justify;text-indent:-7.09pt"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,659&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,600&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,600&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Jos&#xe9; Antonio &#xc1;lvarez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;43,759&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;45,340&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfTransactionsBetweenRelatedPartiesRemunerationLifeInsuranceTableTextBlock>
    <ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions contextRef="c-625" decimals="-3" id="f-1982" unitRef="eur">20659000</ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions>
    <ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions contextRef="c-626" decimals="-3" id="f-1983" unitRef="eur">21525000</ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions>
    <ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions contextRef="c-627" decimals="-3" id="f-1984" unitRef="eur">12600000</ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions>
    <ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions contextRef="c-628" decimals="-3" id="f-1985" unitRef="eur">12600000</ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions>
    <ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions contextRef="c-629" decimals="-3" id="f-1986" unitRef="eur">10500000</ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions>
    <ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions contextRef="c-630" decimals="-3" id="f-1987" unitRef="eur">11215000</ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions>
    <ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions contextRef="c-631" decimals="-3" id="f-1988" unitRef="eur">43759000</ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions>
    <ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions contextRef="c-632" decimals="-3" id="f-1989" unitRef="eur">45340000</ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions>
    <san:PaymentOfCivilLiabilityInsurancePremium contextRef="c-1" decimals="-5" id="f-1990" unitRef="eur">8300000</san:PaymentOfCivilLiabilityInsurancePremium>
    <san:PaymentOfCivilLiabilityInsurancePremium contextRef="c-86" decimals="-5" id="f-1991" unitRef="eur">13500000</san:PaymentOfCivilLiabilityInsurancePremium>
    <ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions contextRef="c-633" decimals="INF" id="f-1992" unitRef="eur">0</ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions>
    <ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions contextRef="c-634" decimals="INF" id="f-1993" unitRef="eur">0</ifrs-full:CommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-408"
      decimals="2"
      id="f-1994"
      unitRef="number">0.60</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferralPeriod contextRef="c-408" id="f-1995">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferredPaymentRoTEObjectiveWeight
      contextRef="c-408"
      decimals="2"
      id="f-1996"
      unitRef="number">0.30</san:VariableRemunerationDeferredPaymentRoTEObjectiveWeight>
    <san:VariableRemunerationDeferredPaymentTSRObjectiveNumberOfPeerCreditInstitutions
      contextRef="c-408"
      decimals="INF"
      id="f-1997"
      unitRef="credit_institution">9</san:VariableRemunerationDeferredPaymentTSRObjectiveNumberOfPeerCreditInstitutions>
    <san:VariableRemunerationDeferredPaymentTSRObjectiveWeight
      contextRef="c-408"
      decimals="2"
      id="f-1998"
      unitRef="number">0.50</san:VariableRemunerationDeferredPaymentTSRObjectiveWeight>
    <san:VariableRemunerationDeferredPaymentSustainabilityObjectiveNumberOfMetrics
      contextRef="c-408"
      decimals="INF"
      id="f-1999"
      unitRef="metric">4</san:VariableRemunerationDeferredPaymentSustainabilityObjectiveNumberOfMetrics>
    <san:VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight
      contextRef="c-408"
      decimals="2"
      id="f-2000"
      unitRef="number">0.20</san:VariableRemunerationDeferredPaymentSustainabilityObjectiveWeight>
    <san:VariableRemunerationDeferredPaymentNumberOfAnnuities
      contextRef="c-408"
      decimals="INF"
      id="f-2001"
      unitRef="annuity">3</san:VariableRemunerationDeferredPaymentNumberOfAnnuities>
    <san:VariableRemunerationMaximumAchievementRatio contextRef="c-1" decimals="2" id="f-2002" unitRef="number">1.25</san:VariableRemunerationMaximumAchievementRatio>
    <san:VariableRemunerationDeferredPaymentShortTermNumberOfDeferrals
      contextRef="c-607"
      decimals="INF"
      id="f-2003"
      unitRef="payment">2</san:VariableRemunerationDeferredPaymentShortTermNumberOfDeferrals>
    <san:VariableRemunerationDeferredPaymentShortTermPercentagePaidInCash
      contextRef="c-408"
      decimals="2"
      id="f-2004"
      unitRef="number">0.50</san:VariableRemunerationDeferredPaymentShortTermPercentagePaidInCash>
    <san:VariableRemunerationDeferredPaymentShortTermPercentagePaidInShares
      contextRef="c-408"
      decimals="2"
      id="f-2005"
      unitRef="number">0.50</san:VariableRemunerationDeferredPaymentShortTermPercentagePaidInShares>
    <san:VariableRemunerationDeferredPaymentLongTermNumberOfDeferrals
      contextRef="c-607"
      decimals="INF"
      id="f-2006"
      unitRef="payment">3</san:VariableRemunerationDeferredPaymentLongTermNumberOfDeferrals>
    <san:VariableRemunerationDeferredPaymentLongTermPercentagePaidInCash
      contextRef="c-408"
      decimals="2"
      id="f-2007"
      unitRef="number">0.25</san:VariableRemunerationDeferredPaymentLongTermPercentagePaidInCash>
    <san:VariableRemunerationDeferredPaymentLongTermPercentagePaidInShares
      contextRef="c-408"
      decimals="2"
      id="f-2008"
      unitRef="number">0.75</san:VariableRemunerationDeferredPaymentLongTermPercentagePaidInShares>
    <san:ShareBasedCompensationArrangementMaximumAuthorizedAmount contextRef="c-635" decimals="-5" id="f-2009" unitRef="eur">11500000</san:ShareBasedCompensationArrangementMaximumAuthorizedAmount>
    <san:VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions
      contextRef="c-636"
      decimals="INF"
      id="f-2010"
      unitRef="trading_session">50</san:VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions>
    <san:VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions
      contextRef="c-635"
      decimals="INF"
      id="f-2011"
      unitRef="trading_session">30</san:VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions>
    <san:VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions
      contextRef="c-637"
      decimals="INF"
      id="f-2012"
      unitRef="trading_session">30</san:VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions>
    <ifrs-full:WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019
      contextRef="c-638"
      decimals="3"
      id="f-2013"
      unitRef="eurPerShare">10.261</ifrs-full:WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019>
    <ifrs-full:WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019
      contextRef="c-639"
      decimals="2"
      id="f-2014"
      unitRef="eurPerShare">61.07</ifrs-full:WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019>
    <san:DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock contextRef="c-1" id="f-2015">&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.717%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Share-based variable remuneration&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Maximum number of shares to be delivered at January 1,2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2024 (immediate payment 2023 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2024 (deferred payment 2022 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2024 (deferred payment 2021 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2024 (deferred payment 2020 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2024 (deferred payment 2019 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Variable remuneration 2024 (Maximum number of shares to be delivered)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2019 variable remuneration&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;70,905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(35,452)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Jos&#xe9; Antonio &#xc1;lvarez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,386&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(23,693)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;118,290&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(59,145)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2020 variable remuneration&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;93,146&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(31,049)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Jos&#xe9; Antonio &#xc1;lvarez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50,594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16,865)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;143,740&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(47,914)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2021 variable remuneration&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;710,698&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(177,675)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Jos&#xe9; Antonio &#xc1;lvarez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;479,644&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(119,911)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,190,342&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(297,586)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2022 variable remuneration&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;358,419&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(62,334)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Jos&#xe9; Antonio &#xc1;lvarez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;241,954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(42,079)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;600,374&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(104,413)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023 variable remuneration&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,127,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(469,286)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;749,143&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(321,645)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,876,352&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(790,931)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-left:1pt solid #cbcbcb;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024 variable remuneration&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;976,463&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;656,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,632,496&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025 variable remuneration&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;1&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;1.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt"&gt;For each director, 40% of the shares indicated correspond to the short-term variable (or immediate payment). The remaining 60% is deferred for delivery, where appropriate, in the next five years, the last three being subject to the fulfilment of multiannual objectives. Maximum opportunity subject to regulatory ratio compliance.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:18pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.688%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.944%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.944%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.944%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.944%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.944%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.944%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.944%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.544%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.944%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.904%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Maximum number of shares to be delivered at December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Instruments matured but not consolidated at January 1, 2025&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.61pt;font-weight:700;line-height:105%;position:relative;top:-2.48pt;vertical-align:baseline"&gt;2&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2025 (immediate payment 2024 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2025 (deferred payment 2023 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2025 (deferred payment 2022 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2025 (deferred payment 2021 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2025 (deferred payment 2020 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Shares delivered in 2025 (deferred payment 2019 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Variable remuneration 2025 (Maximum number of shares to be delivered)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.1pt;font-weight:700;line-height:105%"&gt;Maximum number of shares to be delivered at December 31, 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(35,452)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,693&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(23,693)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;59,145&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(59,145)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,097&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(31,049)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,048&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16,865)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,864&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;95,826&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(47,914)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;47,912&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;533,023&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(44,774)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(162,750)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;325,499&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;359,733&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(30,218)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(109,838)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;219,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;892,756&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(74,992)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(272,588)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;545,176&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;296,085&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(62,334)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;233,751&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;199,875&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(42,079)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;157,796&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;495,961&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(104,413)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;391,548&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;657,923&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(114,421)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;543,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;427,498&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(74,347)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;353,151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,085,421&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(188,768)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;896,653&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;976,463&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(404,447)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;572,016&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;656,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(279,480)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;376,553&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,632,496&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(683,927)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;948,569&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;602,746&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;602,746&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;408,159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;408,159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,010,904&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,010,904&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;2.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.72pt"&gt;The levels of achievement of the multi-year metrics of the long-term variable remuneration plans:&lt;/span&gt;&lt;span style="background-color:#ffff00;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;    1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"&gt;) Seventh cycle of the deferred multi-year objectives variable remuneration plan (2022):&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt; 115.2% of achievement for the period 2022-2024.&lt;br/&gt;a. RoTE metric for 2024 year-end period at 150%. Weight of 40.0%.&lt;br/&gt;b. Relative TSR metric in 2022-2024 period at 83% of achievement. Weight of 40.0%.&lt;br/&gt;c. Sustainability metrics at 25% of achievement. Weight of 20.0%. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;    &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;    2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"&gt;) Sixth cycle of the deferred multi-year objectives variable remuneration plan (2021)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;: 91.6% of achievement for the period 2021-2023.&lt;br/&gt;a. CET1 metric at 100% of achievement for 2023 year-end period (target 12.00%). Weight of 33.3%.&lt;br/&gt;b. Underlying BPA growth at 150% of achievement (target growth of 100%). Weight of 33.3%.&lt;br/&gt;c. TSR metric at 25% of achievement (target of 33 to 66 percentile). Weight of 33.3%.&lt;br/&gt;&lt;/span&gt;&lt;span style="background-color:#ffff00;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;&lt;br/&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;3&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;text-decoration:underline"&gt;) Fifth cycle of the deferred multi-year objectives variable remuneration plan (2020)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;: 83.0% of achievement for the period 2020-2022.&lt;br/&gt;a. 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    <san:DisclosureOfCashPaidForVestedSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock contextRef="c-1" id="f-2141">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Furthermore, the maximum number of  RSUs of PagoNxt, S.L. to be delivered under the current plan (and subject to regulatory ratio compliance) is 9,415 and 7,909 units for Ana Bot&#xed;n and H&#xe9;ctor Grisi, respectively.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, the table below shows the cash delivered in 2025 and 2024, by way of either immediate payment or deferred payment, in the latter case once the Board had determined, at the proposal of the remuneration committee, that one deferral relating to each plan had accrued:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.644%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR thousand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash paid (immediate payment 2024 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash paid (deferred payments from 2023, 2022, 2021 and 2020 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash paid (immediate payment 2023 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash paid (deferred payments from 2022, 2021, 2020 and 2019 variable remuneration)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,851&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,759&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,780&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,419&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,279&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;366&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,220&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;863&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Jos&#xe9; Antonio &#xc1;lvarez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;815&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;945&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,130&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,940&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,228&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfCashPaidForVestedSharesAssignedBetweenRelatedPartiesRemunerationDeferredVariableRemunerationPlansTableTextBlock>
    <ifrs-full:NumberOfInstrumentsOtherEquityInstrumentsGranted
      contextRef="c-731"
      decimals="0"
      id="f-2142"
      unitRef="shares">9415</ifrs-full:NumberOfInstrumentsOtherEquityInstrumentsGranted>
    <ifrs-full:NumberOfInstrumentsOtherEquityInstrumentsGranted
      contextRef="c-732"
      decimals="0"
      id="f-2143"
      unitRef="shares">7909</ifrs-full:NumberOfInstrumentsOtherEquityInstrumentsGranted>
    <san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration contextRef="c-410" decimals="-3" id="f-2144" unitRef="eur">1851000</san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration>
    <san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration contextRef="c-410" decimals="-3" id="f-2145" unitRef="eur">1759000</san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration>
    <san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration contextRef="c-622" decimals="-3" id="f-2146" unitRef="eur">1780000</san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration>
    <san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration contextRef="c-622" decimals="-3" id="f-2147" unitRef="eur">1419000</san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration>
    <san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration contextRef="c-419" decimals="-3" id="f-2148" unitRef="eur">1279000</san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration>
    <san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration contextRef="c-419" decimals="-3" id="f-2149" unitRef="eur">366000</san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration>
    <san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration contextRef="c-623" decimals="-3" id="f-2150" unitRef="eur">1220000</san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration>
    <san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration contextRef="c-623" decimals="-3" id="f-2151" unitRef="eur">863000</san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration>
    <san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration contextRef="c-428" decimals="-3" id="f-2152" unitRef="eur">0</san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration>
    <san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration contextRef="c-428" decimals="-3" id="f-2153" unitRef="eur">815000</san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration>
    <san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration contextRef="c-624" decimals="-3" id="f-2154" unitRef="eur">0</san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration>
    <san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration contextRef="c-624" decimals="-3" id="f-2155" unitRef="eur">945000</san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration>
    <san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration contextRef="c-368" decimals="-3" id="f-2156" unitRef="eur">3130000</san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration>
    <san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration contextRef="c-368" decimals="-3" id="f-2157" unitRef="eur">2940000</san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration>
    <san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration contextRef="c-369" decimals="-3" id="f-2158" unitRef="eur">3000000</san:KeyManagementPersonnelCompensationCashPaymentImmediateRemuneration>
    <san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration contextRef="c-369" decimals="-3" id="f-2159" unitRef="eur">3228000</san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration>
    <san:DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationMaximumNumberOfSharesToBeDeliveredAndActualNumberOfSharesDeliveredTableTextBlock contextRef="c-1" id="f-2160">Also set forth below is information on the deliveries, whether in shares or in cash, made in 2025 and 2024 to former board members, upon achievement of the conditions for the receipt thereof (see note 46):&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:76.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.160%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Maximum number of shares to be delivered&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2019)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,490&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2020)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,511&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71,024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2021)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137,400&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;206,100&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:12pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:76.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.160%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Number of shares delivered&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 7.75pt 0 1pt;text-indent:-7.09pt"&gt;&lt;div style="margin-bottom:6pt;padding-right:6.75pt;text-align:justify;text-indent:-7.09pt"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2018)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,860&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2019)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,490&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,490&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2020)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,512&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,512&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2021)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68,700&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,911&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The maximum number of Santander shares that the members of senior management at each plan grant date (excluding executive directors) were entitled to receive as of 31 December 2025 and 31 December 2024 relating to the deferred portion under the various plans then in force is the following (see note&#160;46):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:63.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.494%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Maximum number of shares to be delivered&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2019) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71,294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2020)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;145,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;370,522&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2021)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;486,863&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;966,680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2022)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;891,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,430,464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2023)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;934,609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,395,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2024)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,601,213&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Since the conditions established in the corresponding deferred share-based remuneration schemes for prior years had been met, the following number of Santander shares was delivered in 2025 and 2024 to the senior management, in addition to the payment of the related cash amounts:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:63.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.961%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.333%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Number&#160;of&#160;shares&#160;delivered&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2018)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,730&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2019) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;54,249&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71,294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2020) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;145,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;185,261&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2021) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;243,433&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;351,777&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2022) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;266,390&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;357,615&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2023) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;233,652&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,212,984&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deferred conditional variable remuneration plan and linked to objectives (2024) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,399,679&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfSharesAssignedBetweenRelatedPartiesRemunerationMaximumNumberOfSharesToBeDeliveredAndActualNumberOfSharesDeliveredTableTextBlock>
    <san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable
      contextRef="c-733"
      decimals="INF"
      id="f-2161"
      unitRef="shares">0</san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable>
    <san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable
      contextRef="c-734"
      decimals="INF"
      id="f-2162"
      unitRef="shares">24490</san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable>
    <san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable
      contextRef="c-735"
      decimals="INF"
      id="f-2163"
      unitRef="shares">35511</san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable>
    <san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable
      contextRef="c-736"
      decimals="INF"
      id="f-2164"
      unitRef="shares">71024</san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable>
    <san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable
      contextRef="c-737"
      decimals="INF"
      id="f-2165"
      unitRef="shares">137400</san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable>
    <san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable
      contextRef="c-738"
      decimals="INF"
      id="f-2166"
      unitRef="shares">206100</san:MaximumNumberOfShareOptionsToBeDeliveredInShareBasedPaymentArrangementDeferredVariable>
    <san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable
      contextRef="c-739"
      decimals="INF"
      id="f-2167"
      unitRef="shares">0</san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable>
    <san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable
      contextRef="c-740"
      decimals="INF"
      id="f-2168"
      unitRef="shares">29860</san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable>
    <san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable
      contextRef="c-741"
      decimals="INF"
      id="f-2169"
      unitRef="shares">24490</san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable>
    <san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable
      contextRef="c-742"
      decimals="INF"
      id="f-2170"
      unitRef="shares">24490</san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable>
    <san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable
      contextRef="c-743"
      decimals="INF"
      id="f-2171"
      unitRef="shares">35512</san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable>
    <san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable
      contextRef="c-744"
      decimals="INF"
      id="f-2172"
      unitRef="shares">35512</san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable>
    <san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable
      contextRef="c-745"
      decimals="INF"
      id="f-2173"
      unitRef="shares">68700</san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable>
    <san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable
      contextRef="c-746"
      decimals="INF"
      id="f-2174"
      unitRef="shares">12911</san:NumberOfSharesEarnedInShareBasedPaymentArrangementDeferredVariable>
    <san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration contextRef="c-747" decimals="-3" id="f-2175" unitRef="eur">724000</san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration>
    <san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration contextRef="c-748" decimals="-3" id="f-2176" unitRef="eur">650000</san:KeyManagementPersonnelCompensationCashPaymentDeferredRemuneration>
    <ifrs-full:SummaryQuantitativeDataAboutEntitysExposureToRisk contextRef="c-1" id="f-2177">These transactions were made on terms equivalent to those that prevail in arm&#x2019;s-length transactions or the related compensation in kind was recognized:&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.832%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR thousand&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loans and credits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Guarantees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loans and credits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Guarantees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ana Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;H&#xe9;ctor Grisi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Jos&#xe9; Antonio &#xc1;lvarez&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Glenn Hutchins&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Antonio Francesco Weiss &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Bel&#xe9;n Romana&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Bruce Carnegie-Brown&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Germ&#xe1;n de la Fuente&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gina D&#xed;ez Barroso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Henrique de Castro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Homaira Akbari&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Javier Bot&#xed;n&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Juan Carlos Barrab&#xe9;s  &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Luis Isasi&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pamela Walkden&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ramiro Mato&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Sol Daurella &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;140&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;140&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;143&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;143&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Ceased as director of Banco Santander, S.A. on 22 March 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt"&gt;Director since 27 June 2024. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.7pt"&gt;Director since 27 June 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5pt"&gt;Ceased as director of Banco Santander, S.A. on 27 June 2024 .&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:12pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:46.887%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.906%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.907%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR Million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which: impaired&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Home purchase loans to families&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;60,002&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Without mortgage collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;With mortgage collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;59,787&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:46.887%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.906%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.907%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR Million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which: impaired&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Home purchase loans to families&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;59,316&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;789&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Without mortgage collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;With mortgage collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;59,108&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;778&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:46.887%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.906%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.907%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR Million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which: impaired&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Home purchase loans to families&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61,097&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;924&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Without mortgage collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;With mortgage collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;60,882&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;908&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.443%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.282%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.591%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.284%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR Million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Excess of gross exposure over maximum recoverable amount of effective collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Specific allowance&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financing for construction and property development (including land) (business in Spain)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,984&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;211&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Of which impaired&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Memorandum items written-off assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;240&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:69.579%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:28.221%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Memorandum&#160;items:&#160;Data&#160;from&#160;the&#160;public&#160;consolidated&#160;balance&#160;sheet&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR Million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total loans and advances to customers excluding the Public sector (business in Spain) (Book value)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;240,609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total consolidated assets (Total business) (Book value)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,867,515&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment losses and credit risk allowances. Coverage for unimpaired assets (business in Spain)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,086&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table shows the detail of the assets foreclosed by the businesses in Spain at the end of 2025:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:12pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR Million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Valuation adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which impairment losses on assets since time of foreclosure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Property assets arising from financing provided to construction and property development companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,843&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,144&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,591&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,699&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Completed buildings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;324&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;282&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;157&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Residential&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;129&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;60&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;352&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Buildings under construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Residential&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Land&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,255&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,771&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,274&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,484&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Developed land&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;776&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;429&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;260&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;347&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other land&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,342&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Property assets from home purchase mortgage loans to households&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;334&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;172&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;119&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;162&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other foreclosed property assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;81&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;44&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;36&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;37&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total property assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,258&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,360&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,746&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,898&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.162%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Portfolio&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets held for trading and Financial assets designated as FV with changes in&#160;results&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial&#160;assets &lt;br/&gt;at&#160;fair&#160;value &lt;br/&gt;through&#160;other &lt;br/&gt;comprehensive &lt;br/&gt;income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial &lt;br/&gt;assets&#160;at &lt;br/&gt;amortised&#160;cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Non-trading financial assets mandatory at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total net direct exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total net direct exposure&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,008&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Portugal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(659)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,199&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,767&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,307&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,652&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Italy&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,875&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,557&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,872&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,915&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Greece&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ireland&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Rest Eurozone&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,443&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,212&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;UK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;907&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,687&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,595&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,772&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Poland&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,141&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,339&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,333&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,813&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,286&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;534&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,320&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,943&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,046&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,926&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,533&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,641&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,652&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,599&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,914&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,642&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;676&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,666&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,596&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,900&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Rest of America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,654&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,398&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Rest of the World&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,356&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;38,785&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;35,187&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;150,975&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;224,947&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;198,627&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:115%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt; Risks with domestic public or private borrowers in foreign currency and originated outside the country.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:115%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;2 &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;Countries that are not considered low risk by Banco de Espa&#xf1;a.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.606%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Current refinancing and restructuring balances&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;Amounts in EUR million, except number of transactions that are in units&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Without&#160;real&#160;guarantee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;With&#160;real&#160;guarantee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Maximum amount of the actual collateral that can be considered&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Impairment of accumulated value or accumulated losses in fair value due to credit risk&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Number of transactions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Gross amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Number of transactions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Gross amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Real estate guarantee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Rest of real guarantees&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Public sector&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other financial institutions and: individual shareholder&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;933&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;94&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;117&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;94&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Non-financial institutions and individual shareholder&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;489,192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5,095&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;42,700&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5,596&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;923&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which financing for constructions and property development&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;249&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;21&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;523&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;695&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other warehouses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,000,071&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4,556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;515,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;9,699&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,752&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,777&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;3,490,210&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;9,751&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;558,424&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;15,484&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;7,145&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;4,715&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;6,480&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Financing classified as non-current assets and disposable groups of items that have been classified as held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;13,499&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;261&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4,630&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;566&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;406&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.718%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Current refinancing and restructuring balances&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;Amounts in EUR million, except number of transactions that are in units&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Of&#160;which,&#160;non-performing/Doubtful&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Without&#160;real&#160;guarantee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;With&#160;real&#160;guarantee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Maximum amount of the actual collateral that can be considered&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Impairment of accumulated value or accumulated losses in fair value due to credit risk&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Number of transactions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Gross amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Number of&lt;br/&gt;transactions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Gross amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Real estate guarantee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Rest of real guarantees&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Public sector&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other financial institutions and: individual shareholder&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;579&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;259&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;89&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Non-financial institutions and individual shareholder&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;296,008&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,901&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;26,767&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,585&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,166&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Of which financing for constructions and property development&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;167&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;264&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;156&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other warehouses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,620,343&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;296,470&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5,313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,730&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,232&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,991&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,916,935&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;5,354&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;323,505&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;7,980&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,923&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,663&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;5,508&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Financing classified as non-current assets and disposable groups of items that have been classified as held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;6,901&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,720&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The balance sheet items in the Group&#x2019;s consolidated position that are subject to market risk are shown below, distinguishing those positions for which the main risk metric is VaR from those for which risk monitoring is carried out using other metrics:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.939%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Risk metric values on the consolidated balance sheet&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;div style="margin-bottom:1pt;text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;div style="margin-bottom:1pt;text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Main market risk metric&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;div style="margin-bottom:1pt;text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance sheet amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;VaR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Main risk factor for 'Other' balance&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&#160;subject&#160;to&#160;market&#160;risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash, cash balances at central banks and other deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;252,318&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;252,318&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,946&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate, spread&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,046&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,046&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate, spread&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;74,612&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;72,331&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate, spread&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,202,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,202,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate, spread&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,931&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,931&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate, exchange rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of hedged items in portfolio hedges of interest risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;165,827&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,867,515&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities subject to market risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171,546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171,546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,148&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,148&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate, spread&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,421,184&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,421,184&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate, spread&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate, exchange rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of hedged items in portfolio hedges of interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;115,592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,754,767&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;112,748&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:SummaryQuantitativeDataAboutEntitysExposureToRisk>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-749" decimals="-3" id="f-2178" unitRef="eur">3000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-750" decimals="-3" id="f-2179" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-616" decimals="-3" id="f-2180" unitRef="eur">3000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-751" decimals="-3" id="f-2181" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-752" decimals="-3" id="f-2182" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-617" decimals="-3" id="f-2183" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-753" decimals="-3" id="f-2184" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-754" decimals="-3" id="f-2185" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-618" decimals="-3" id="f-2186" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-755" decimals="-3" id="f-2187" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-756" decimals="-3" id="f-2188" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-619" decimals="-3" id="f-2189" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-757" decimals="-3" id="f-2190" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-758" decimals="-3" id="f-2191" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-759" decimals="-3" id="f-2192" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-760" decimals="-3" id="f-2193" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-761" decimals="-3" id="f-2194" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-762" decimals="-3" id="f-2195" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-763" decimals="-3" id="f-2196" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-764" decimals="-3" id="f-2197" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-765" decimals="-3" id="f-2198" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-766" decimals="-3" id="f-2199" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-767" decimals="-3" id="f-2200" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-768" decimals="-3" id="f-2201" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-769" decimals="-3" id="f-2202" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-770" decimals="-3" id="f-2203" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-771" decimals="-3" id="f-2204" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-772" decimals="-3" id="f-2205" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-773" decimals="-3" id="f-2206" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-774" decimals="-3" id="f-2207" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-775" decimals="-3" id="f-2208" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-776" decimals="-3" id="f-2209" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-777" decimals="-3" id="f-2210" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-778" decimals="-3" id="f-2211" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-779" decimals="-3" id="f-2212" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-780" decimals="-3" id="f-2213" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-781" decimals="-3" id="f-2214" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-782" decimals="-3" id="f-2215" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-783" decimals="-3" id="f-2216" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-784" decimals="-3" id="f-2217" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-785" decimals="-3" id="f-2218" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-786" decimals="-3" id="f-2219" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-787" decimals="-3" id="f-2220" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-788" decimals="-3" id="f-2221" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-789" decimals="-3" id="f-2222" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-790" decimals="-3" id="f-2223" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-791" decimals="-3" id="f-2224" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-792" decimals="-3" id="f-2225" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-793" decimals="-3" id="f-2226" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-794" decimals="-3" id="f-2227" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-795" decimals="-3" id="f-2228" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-796" decimals="-3" id="f-2229" unitRef="eur">5000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-797" decimals="-3" id="f-2230" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-798" decimals="-3" id="f-2231" unitRef="eur">5000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-799" decimals="-3" id="f-2232" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-800" decimals="-3" id="f-2233" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-801" decimals="-3" id="f-2234" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-802" decimals="-3" id="f-2235" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-803" decimals="-3" id="f-2236" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-804" decimals="-3" id="f-2237" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-805" decimals="-3" id="f-2238" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-806" decimals="-3" id="f-2239" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-807" decimals="-3" id="f-2240" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-808" decimals="-3" id="f-2241" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-809" decimals="-3" id="f-2242" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-810" decimals="-3" id="f-2243" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-811" decimals="-3" id="f-2244" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-812" decimals="-3" id="f-2245" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-813" decimals="-3" id="f-2246" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-814" decimals="-3" id="f-2247" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-815" decimals="-3" id="f-2248" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-816" decimals="-3" id="f-2249" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-817" decimals="-3" id="f-2250" unitRef="eur">137000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-818" decimals="-3" id="f-2251" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-819" decimals="-3" id="f-2252" unitRef="eur">137000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-820" decimals="-3" id="f-2253" unitRef="eur">138000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-821" decimals="-3" id="f-2254" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-822" decimals="-3" id="f-2255" unitRef="eur">138000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-823" decimals="-3" id="f-2256" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-824" decimals="-3" id="f-2257" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-825" decimals="-3" id="f-2258" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-826" decimals="-3" id="f-2259" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-827" decimals="-3" id="f-2260" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-828" decimals="-3" id="f-2261" unitRef="eur">0</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
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    <ifrs-full:Provisions contextRef="c-888" decimals="-6" id="f-2370" unitRef="eur">46000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-889" decimals="-6" id="f-2371" unitRef="eur">108000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-890" decimals="-6" id="f-2372" unitRef="eur">96000000</ifrs-full:Provisions>
    <san:ContractTerminationNoticePeriod contextRef="c-891" id="f-2373">P4M</san:ContractTerminationNoticePeriod>
    <ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory contextRef="c-1" id="f-2374">Loans and advances to central banks and credit institutions&lt;div style="margin-bottom:3pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by classification, type and currency, of Loans and advances to central banks and credit institutions in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.346%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;CENTRAL BANKS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Classification&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14,632&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;12,966&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;17,717&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Non-trading financial assets mandatorily at&lt;br/&gt;fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value&lt;br/&gt;through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Financial assets at amortised cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;15,986&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;16,179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;20,082&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;30,618&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;29,145&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;37,799&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Time deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;15,986&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;16,179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;17,747&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14,632&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;12,966&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;20,052&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Impaired assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Valuation adjustments for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;30,618&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;29,145&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;37,799&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;CREDIT INSTITUTIONS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Classification&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;25,967&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;27,314&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14,061&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Non-trading financial assets mandatorily at&lt;br/&gt;fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;413&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;408&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;459&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value&lt;br/&gt;through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,120&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;363&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;313&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Financial assets at amortised cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;61,513&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;55,537&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;57,917&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;89,013&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;83,622&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;72,750&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Time deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10,665&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;9,036&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8,560&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;52,365&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;48,932&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;35,846&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Non- loans advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;25,987&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;25,659&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;28,353&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Impaired assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Valuation adjustments for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;89,013&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;83,622&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;72,750&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;CURRENCY&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;43,697&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;43,347&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;34,229&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5,147&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,424&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,539&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;23,320&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;22,539&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;17,602&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;43,577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;39,379&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;47,151&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other currencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,890&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5,078&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8,028&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;TOTAL&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;119,631&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;112,767&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;110,549&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The loans and advances to credit institutions classified under 'Financial assets at amortised' cost are mainly time accounts and deposits.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Note 51 contains a detail of their residual maturity periods.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This line item also includes irrevocable payment commitments to the Single Resolution Fund made in accordance with article 70.3 of Regulation 806/2014, which establishes uniform rules and a uniform procedure for the resolution of credit institutions and certain security service companies. investment within the framework of a Single Resolution Mechanism and a Single Resolution Fund, for which, in accordance with the standard, no provision has been recorded, these commitments have not been significant regarding the consolidated annual accounts.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025 the gross exposure by impairment stage of the assets accounted subject to impairment for amounts to EUR 78,623 million, EUR 0 million and EUR 0 million (EUR 72,084, EUR 0 million and EUR 0 million in 2024 and EUR 78,321 million, EUR 0 million and EUR 0 million in 2023), and the loan loss provision by impairment stage amounts to EUR 4 million, EUR 0 million and EUR 0 million (EUR 5 million, EUR 0 million and EUR 0 million in 2024 and EUR 9 million, EUR 0 million and EUR 0 million in 2023) in stage 1, stage 2 and stage 3, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;</ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory>
    <san:DisclosureOfDetailedInformationAboutLoansAndAdvancesToBanksTableTextBlock contextRef="c-1" id="f-2375">&lt;div style="margin-bottom:3pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by classification, type and currency, of Loans and advances to central banks and credit institutions in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.346%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;CENTRAL BANKS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Classification&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14,632&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;12,966&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;17,717&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Non-trading financial assets mandatorily at&lt;br/&gt;fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value&lt;br/&gt;through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Financial assets at amortised cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;15,986&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;16,179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;20,082&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;30,618&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;29,145&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;37,799&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Time deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;15,986&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;16,179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;17,747&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14,632&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;12,966&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;20,052&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Impaired assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Valuation adjustments for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;30,618&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;29,145&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;37,799&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;CREDIT INSTITUTIONS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Classification&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;25,967&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;27,314&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14,061&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Non-trading financial assets mandatorily at&lt;br/&gt;fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;413&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;408&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;459&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value&lt;br/&gt;through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,120&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;363&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;313&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Financial assets at amortised cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;61,513&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;55,537&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;57,917&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;89,013&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;83,622&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;72,750&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Time deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10,665&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;9,036&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8,560&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;52,365&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;48,932&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;35,846&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Non- loans advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;25,987&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;25,659&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;28,353&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Impaired assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Valuation adjustments for impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;89,013&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;83,622&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;72,750&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;CURRENCY&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;43,697&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;43,347&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;34,229&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5,147&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,424&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,539&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;23,320&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;22,539&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;17,602&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;43,577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;39,379&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;47,151&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other currencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,890&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5,078&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8,028&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;TOTAL&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;119,631&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;112,767&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;110,549&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfDetailedInformationAboutLoansAndAdvancesToBanksTableTextBlock>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-17" decimals="-6" id="f-2376" unitRef="eur">14632000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-18" decimals="-6" id="f-2377" unitRef="eur">12966000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-19" decimals="-6" id="f-2378" unitRef="eur">17717000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-17" decimals="-6" id="f-2379" unitRef="eur">0</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-18" decimals="-6" id="f-2380" unitRef="eur">0</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-19" decimals="-6" id="f-2381" unitRef="eur">0</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss contextRef="c-17" decimals="-6" id="f-2382" unitRef="eur">0</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss>
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    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-19" decimals="-6" id="f-2387" unitRef="eur">0</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-17" decimals="-6" id="f-2388" unitRef="eur">15986000000</ifrs-full:FinancialAssetsAtAmortisedCost>
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    <ifrs-full:FinancialAssets contextRef="c-932" decimals="-6" id="f-2458" unitRef="eur">5078000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-933" decimals="-6" id="f-2459" unitRef="eur">8028000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-934" decimals="-6" id="f-2460" unitRef="eur">119631000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-935" decimals="-6" id="f-2461" unitRef="eur">112767000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-936" decimals="-6" id="f-2462" unitRef="eur">110549000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-937" decimals="-6" id="f-2463" unitRef="eur">78623000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-938" decimals="-6" id="f-2464" unitRef="eur">0</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-939" decimals="-6" id="f-2465" unitRef="eur">0</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-940" decimals="-6" id="f-2466" unitRef="eur">72084000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-941" decimals="-6" id="f-2467" unitRef="eur">0</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-942" decimals="-6" id="f-2468" unitRef="eur">0</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-943" decimals="-6" id="f-2469" unitRef="eur">78321000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-944" decimals="-6" id="f-2470" unitRef="eur">0</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-945" decimals="-6" id="f-2471" unitRef="eur">0</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-946" decimals="-6" id="f-2472" unitRef="eur">-4000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-947" decimals="-6" id="f-2473" unitRef="eur">0</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-948" decimals="-6" id="f-2474" unitRef="eur">0</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-949" decimals="-6" id="f-2475" unitRef="eur">-5000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-950" decimals="-6" id="f-2476" unitRef="eur">0</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-951" decimals="-6" id="f-2477" unitRef="eur">0</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-952" decimals="-6" id="f-2478" unitRef="eur">-9000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-953" decimals="-6" id="f-2479" unitRef="eur">0</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-954" decimals="-6" id="f-2480" unitRef="eur">0</ifrs-full:FinancialAssets>
    <ifrs-full:DisclosureOfDebtSecuritiesExplanatory contextRef="c-1" id="f-2481">Debt securities&lt;div style="margin-bottom:6pt;margin-top:9pt;padding-right:263.62pt"&gt;&lt;span id="iacfd8e78ba044ec4a7fcbca321e7d2d7"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Detail&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by classification, type and currency, of Debt securities in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:62.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.012%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Classification&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;98,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;82,646&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;245&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;447&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;860&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,897&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,095&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76,558&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;73,565&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at amortised cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;140,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;120,949&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;103,559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;300,026&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;283,497&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;243,203&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Spanish government debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;63,742&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,919&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,321&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Foreign government debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;172,468&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;164,747&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;145,732&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issued by financial institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,776&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,681&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other fixed-income securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,703&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impaired financial assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;842&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;701&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;461&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(520)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(349)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(286)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;300,026&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;283,497&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;243,203&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;142,969&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;118,456&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;90,857&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,630&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50,671&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48,189&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,161&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48,231&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,432&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,190&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other currencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,561&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,997&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Debt securities excluding impairment adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;300,546&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;283,846&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;243,489&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(520)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(349)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(286)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;300,026&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;283,497&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;243,203&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The increase in the year of the debt securities portfolio under the heading  'Financial assets at fair value with changes in other comprehensive income' is mainly due to the increase in exposure to sovereign debt, as a result of greater activity in the markets business, both its own and for distribution to clients.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Likewise, the increase in the debt securities portfolio under the heading 'Financial assets at amortized cost' is due to the continuation of the strategy started in year 2022 in which two new business models were created for the optimization of excess liquidity and the management of the maturity of the balance sheet credit and deposit portfolios.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, 2024 and 2023 the gross exposure by impairment stage of the book assets amounted to EUR 196,509 million, EUR 196,514 million and EUR 176,697 million in stage 1; EUR 1,480 million, EUR 597 million and EUR 203 million in stage 2, and EUR 842 million, EUR 701 million and EUR 461 million in stage 3, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, at 31 December 2025, the Group had EUR 8 million (EUR 44&#160;million at 31 December 2024) of exposure in assets purchased with impairments, which correspond mainly to the business combinations carried out by the Group with any additional impairment signs.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:15pt;padding-right:263.62pt"&gt;&lt;span id="i7b097a174c45444ca392f2f0c69bfd3e"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Breakdown&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The breakdown, by origin of the issuer, of debt securities at 31 December 2025, 2024 and 2023, net of impairment losses, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.392%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.392%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.572%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="45" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Private fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Public fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Private fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Public fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Private fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Public fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,528&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;63,742&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;66,270&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22.09&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,901&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,919&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,820&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20.75&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,321&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,846&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17.62&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;United Kingdom&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,336&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,227&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,563&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.85&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,903&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,980&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.58&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,816&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,748&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,564&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.11&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Portugal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,212&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,627&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,839&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.95&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,224&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,362&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.95&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,826&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,641&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.14&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Italy&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,821&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,036&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.01&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,072&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,026&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.18&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,968&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,945&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,913&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.54&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ireland&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,239&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.43&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,557&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,571&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.61&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,632&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,643&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.32&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Poland&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.50&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,472&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,224&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,696&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.24&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,937&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,482&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,419&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.34&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other European countries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,682&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.86&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,702&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,295&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.57&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,797&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.40&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;United States&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,199&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,140&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14.71&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,475&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,811&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,286&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14.21&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,959&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,992&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,951&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.14&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,518&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,908&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15.81&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,738&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,645&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45,383&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16.01&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,551&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,342&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45,893&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18.87&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,113&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.37&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,190&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,012&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.12&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,969&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,738&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,707&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.34&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,567&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.90&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;96&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,078&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.50&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,995&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.95&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other American countries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.07&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,336&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,838&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.76&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,257&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.45&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,050&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.52&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;806&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,623&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,429&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.23&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;63,816&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;236,210&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;300,026&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;61,831&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;221,666&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;283,497&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;57,150&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;186,053&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;243,203&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by issuer rating, of Debt securities at 31 December 2025, 2024 and 2023 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.277%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="45" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Private fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Public fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Private fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Public fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Private fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Public fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;AAA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,952&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,320&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.42&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,889&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,329&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.23&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,039&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.47&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;AA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,598&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,451&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,049&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20.68&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,972&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64,226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22.65&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,142&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51,846&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21.32&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,206&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;95,537&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;108,743&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36.24&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,056&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;87,814&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;97,870&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34.53&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68,112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;79,287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32.60&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;BBB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,872&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50,066&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,938&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18.98&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,900&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,483&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53,383&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18.83&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,749&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39,173&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,922&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19.29&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Below BBB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,052&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,836&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,888&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14.63&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,675&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14.54&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,654&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,831&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15.97&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Unrated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.05&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,471&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,471&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.22&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.35&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;63,816&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;236,210&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;300,026&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;61,831&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;221,666&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;283,497&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;57,150&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;186,053&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;243,203&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;During 2025, France's rating for sovereign issuances has been modified from AA- to A+. During 2024, Portugal's rating for sovereign issuances was modified from BBB+ to A-. For the year 2023, the distribution of the exposure by rating level of the previous table was not affected by ratings reviews of the sovereign issuers.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by type of financial instrument, of private fixed-income securities at 31 December 2025, 2024 and 2023, net of impairment losses, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Securitised mortgage bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,514&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other asset-backed bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,073&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,624&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,243&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Floating rate debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,323&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,376&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fixed rate debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,221&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;63,816&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;61,831&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;57,150&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:6pt"&gt;&lt;span id="i5eb4ab1e62f44c1aad4ab19af53a9f2b"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;c) Impairment losses&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in the impairment losses on debt securities are summarised below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.025%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at beginning of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;349&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;286&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net impairment losses for the&#160;year&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Impairment losses charged to income &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;234&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Impairment losses reversed with a credit to income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(56)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Assets written off&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(131)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;520&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;349&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;286&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;By geographical location of risk:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;European Union&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;494&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;326&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;264&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Of the EUR 182 million corresponding to net provisions for the year ended 31 December 2025 (EUR 226 million and EUR 24 million at 31 December 2024 and 2023, respectively), EUR 182 million relates to financial assets at amortized cost (EUR 227 million and EUR 23 million at 31 December 2024 and 2023, respectively) and EUR 0 million relates to financial assets designated at fair value through other comprehensive income (EUR -1 million and EUR 1 million at 31 December 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, 2024 and 2023 the loan loss provision by impairment stage of the assets accounted for under IFRS9 amounted to EUR 62 million, EUR 39 million and EUR 30 million in stage 1, EUR 66 million, EUR 9 million and EUR 8 million in stage 2, and EUR 392 million, EUR 301 million and EUR 248 million in stage 3, respectively.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfDebtSecuritiesExplanatory>
    <san:DisclosureOfDetailedInformationAboutDebtInstrumentsExplanatoryTableTextBlock contextRef="c-1" id="f-2482">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by classification, type and currency, of Debt securities in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:62.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.012%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Classification&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;98,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;82,646&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;245&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;447&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;860&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,897&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,095&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76,558&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;73,565&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at amortised cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;140,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;120,949&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;103,559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;300,026&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;283,497&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;243,203&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Spanish government debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;63,742&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,919&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,321&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Foreign government debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;172,468&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;164,747&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;145,732&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issued by financial institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,776&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,681&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other fixed-income securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,703&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impaired financial assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;842&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;701&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;461&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(520)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(349)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(286)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;300,026&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;283,497&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;243,203&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;142,969&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;118,456&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;90,857&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,630&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50,671&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48,189&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,161&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48,231&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,432&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,190&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other currencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,561&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,997&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Debt securities excluding impairment adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;300,546&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;283,846&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;243,489&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(520)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(349)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(286)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;300,026&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;283,497&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;243,203&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfDetailedInformationAboutDebtInstrumentsExplanatoryTableTextBlock>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-11" decimals="-6" id="f-2483" unitRef="eur">98568000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-12" decimals="-6" id="f-2484" unitRef="eur">82646000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-13" decimals="-6" id="f-2485" unitRef="eur">62124000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
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    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-12" decimals="-6" id="f-2487" unitRef="eur">447000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-13" decimals="-6" id="f-2488" unitRef="eur">860000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
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    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-11" decimals="-6" id="f-2495" unitRef="eur">140014000000</ifrs-full:FinancialAssetsAtAmortisedCost>
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    <ifrs-full:FinancialAssets contextRef="c-12" decimals="-6" id="f-2499" unitRef="eur">283497000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-13" decimals="-6" id="f-2500" unitRef="eur">243203000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-955" decimals="-6" id="f-2501" unitRef="eur">63742000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-956" decimals="-6" id="f-2502" unitRef="eur">56919000000</ifrs-full:FinancialAssets>
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    <ifrs-full:FinancialAssets contextRef="c-959" decimals="-6" id="f-2505" unitRef="eur">164747000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-960" decimals="-6" id="f-2506" unitRef="eur">145732000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-961" decimals="-6" id="f-2507" unitRef="eur">17465000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-962" decimals="-6" id="f-2508" unitRef="eur">16776000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-963" decimals="-6" id="f-2509" unitRef="eur">14681000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-964" decimals="-6" id="f-2510" unitRef="eur">46029000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-965" decimals="-6" id="f-2511" unitRef="eur">44703000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-966" decimals="-6" id="f-2512" unitRef="eur">42294000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-967" decimals="-6" id="f-2513" unitRef="eur">842000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-968" decimals="-6" id="f-2514" unitRef="eur">701000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-969" decimals="-6" id="f-2515" unitRef="eur">461000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-970" decimals="-6" id="f-2516" unitRef="eur">-520000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-971" decimals="-6" id="f-2517" unitRef="eur">-349000000</ifrs-full:FinancialAssets>
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    <ifrs-full:FinancialAssets contextRef="c-973" decimals="-6" id="f-2522" unitRef="eur">142969000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-974" decimals="-6" id="f-2523" unitRef="eur">118456000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-975" decimals="-6" id="f-2524" unitRef="eur">90857000000</ifrs-full:FinancialAssets>
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    <ifrs-full:FinancialAssets contextRef="c-979" decimals="-6" id="f-2528" unitRef="eur">50671000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-980" decimals="-6" id="f-2529" unitRef="eur">48189000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-981" decimals="-6" id="f-2530" unitRef="eur">38161000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-982" decimals="-6" id="f-2531" unitRef="eur">48231000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-983" decimals="-6" id="f-2532" unitRef="eur">44432000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-984" decimals="-6" id="f-2533" unitRef="eur">46190000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-985" decimals="-6" id="f-2534" unitRef="eur">44561000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-986" decimals="-6" id="f-2535" unitRef="eur">57139000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-987" decimals="-6" id="f-2536" unitRef="eur">58997000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-988" decimals="-6" id="f-2537" unitRef="eur">300546000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-989" decimals="-6" id="f-2538" unitRef="eur">283846000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-990" decimals="-6" id="f-2539" unitRef="eur">243489000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-970" decimals="-6" id="f-2540" unitRef="eur">-520000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-971" decimals="-6" id="f-2541" unitRef="eur">-349000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-972" decimals="-6" id="f-2542" unitRef="eur">-286000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-2" decimals="-6" id="f-2543" unitRef="eur">300026000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-3" decimals="-6" id="f-2544" unitRef="eur">283497000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-4" decimals="-6" id="f-2545" unitRef="eur">243203000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-991" decimals="-6" id="f-2546" unitRef="eur">196509000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-992" decimals="-6" id="f-2547" unitRef="eur">196514000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-993" decimals="-6" id="f-2548" unitRef="eur">176697000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-994" decimals="-6" id="f-2549" unitRef="eur">1480000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-995" decimals="-6" id="f-2550" unitRef="eur">597000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-996" decimals="-6" id="f-2551" unitRef="eur">203000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-997" decimals="-6" id="f-2552" unitRef="eur">842000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-998" decimals="-6" id="f-2553" unitRef="eur">701000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-999" decimals="-6" id="f-2554" unitRef="eur">461000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1000" decimals="-6" id="f-2555" unitRef="eur">8000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1001" decimals="-6" id="f-2556" unitRef="eur">44000000</ifrs-full:FinancialAssets>
    <san:DisclosureOfDebtInstrumentsByOriginOfIssuerTableTextBlock contextRef="c-1" id="f-2557">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The breakdown, by origin of the issuer, of debt securities at 31 December 2025, 2024 and 2023, net of impairment losses, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.392%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.392%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.572%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="45" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Private fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Public fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Private fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Public fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Private fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Public fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,528&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;63,742&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;66,270&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22.09&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,901&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,919&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,820&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20.75&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,321&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,846&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17.62&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;United Kingdom&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,336&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,227&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,563&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.85&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,903&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,980&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.58&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,816&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,748&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,564&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.11&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Portugal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,212&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,627&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,839&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.95&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,224&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,362&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.95&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,826&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,641&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.14&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Italy&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,821&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,036&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.01&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,072&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,026&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.18&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,968&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,945&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,913&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.54&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ireland&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,239&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.43&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,557&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,571&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.61&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,632&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,643&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.32&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Poland&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.50&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,472&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,224&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,696&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.24&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,937&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,482&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,419&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.34&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other European countries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,682&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.86&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,702&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,295&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.57&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,797&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.40&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;United States&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,199&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,140&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14.71&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,475&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,811&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,286&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14.21&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,959&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,992&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,951&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.14&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,518&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,908&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15.81&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,738&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,645&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45,383&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16.01&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,551&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,342&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45,893&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18.87&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,113&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.37&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,190&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,012&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.12&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,969&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,738&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,707&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.34&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,567&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.90&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;96&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,078&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.50&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,995&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.95&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other American countries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.07&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,336&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,838&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.76&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,257&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.45&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,050&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.52&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;806&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,623&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,429&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid 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    <ifrs-full:FinancialAssets contextRef="c-1057" decimals="-6" id="f-2631" unitRef="eur">25894000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1058" decimals="-6" id="f-2632" unitRef="eur">38576000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
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    <ifrs-full:FinancialAssets contextRef="c-1059" decimals="-6" id="f-2634" unitRef="eur">11593000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1060" decimals="-6" id="f-2635" unitRef="eur">12702000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1061" decimals="-6" id="f-2636" unitRef="eur">24295000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
      contextRef="c-1061"
      decimals="4"
      id="f-2637"
      unitRef="number">0.0857</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1062" decimals="-6" id="f-2638" unitRef="eur">9797000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1063" decimals="-6" id="f-2639" unitRef="eur">15495000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1064" decimals="-6" id="f-2640" unitRef="eur">25292000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
      contextRef="c-1064"
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      id="f-2641"
      unitRef="number">0.1040</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1065" decimals="-6" id="f-2642" unitRef="eur">14941000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1066" decimals="-6" id="f-2643" unitRef="eur">29199000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1067" decimals="-6" id="f-2644" unitRef="eur">44140000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
      contextRef="c-1067"
      decimals="4"
      id="f-2645"
      unitRef="number">0.1471</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1068" decimals="-6" id="f-2646" unitRef="eur">12475000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1069" decimals="-6" id="f-2647" unitRef="eur">27811000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1070" decimals="-6" id="f-2648" unitRef="eur">40286000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
      contextRef="c-1070"
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      unitRef="number">0.1421</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1071" decimals="-6" id="f-2650" unitRef="eur">8959000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1072" decimals="-6" id="f-2651" unitRef="eur">22992000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1073" decimals="-6" id="f-2652" unitRef="eur">31951000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
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      decimals="4"
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      unitRef="number">0.1314</san:FinancialAssetsPercentage>
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    <ifrs-full:FinancialAssets contextRef="c-1075" decimals="-6" id="f-2655" unitRef="eur">33908000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1076" decimals="-6" id="f-2656" unitRef="eur">47426000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
      contextRef="c-1076"
      decimals="4"
      id="f-2657"
      unitRef="number">0.1581</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1077" decimals="-6" id="f-2658" unitRef="eur">12738000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1078" decimals="-6" id="f-2659" unitRef="eur">32645000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1079" decimals="-6" id="f-2660" unitRef="eur">45383000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
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      decimals="4"
      id="f-2661"
      unitRef="number">0.1601</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1080" decimals="-6" id="f-2662" unitRef="eur">13551000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1081" decimals="-6" id="f-2663" unitRef="eur">32342000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1082" decimals="-6" id="f-2664" unitRef="eur">45893000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
      contextRef="c-1082"
      decimals="4"
      id="f-2665"
      unitRef="number">0.1887</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1083" decimals="-6" id="f-2666" unitRef="eur">3001000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1084" decimals="-6" id="f-2667" unitRef="eur">25113000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1085" decimals="-6" id="f-2668" unitRef="eur">28114000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
      contextRef="c-1085"
      decimals="4"
      id="f-2669"
      unitRef="number">0.0937</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1086" decimals="-6" id="f-2670" unitRef="eur">2190000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1087" decimals="-6" id="f-2671" unitRef="eur">20822000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1088" decimals="-6" id="f-2672" unitRef="eur">23012000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
      contextRef="c-1088"
      decimals="4"
      id="f-2673"
      unitRef="number">0.0812</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1089" decimals="-6" id="f-2674" unitRef="eur">1969000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1090" decimals="-6" id="f-2675" unitRef="eur">20738000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1091" decimals="-6" id="f-2676" unitRef="eur">22707000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
      contextRef="c-1091"
      decimals="4"
      id="f-2677"
      unitRef="number">0.0934</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1092" decimals="-6" id="f-2678" unitRef="eur">137000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1093" decimals="-6" id="f-2679" unitRef="eur">8567000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1094" decimals="-6" id="f-2680" unitRef="eur">8704000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
      contextRef="c-1094"
      decimals="4"
      id="f-2681"
      unitRef="number">0.0290</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1095" decimals="-6" id="f-2682" unitRef="eur">96000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1096" decimals="-6" id="f-2683" unitRef="eur">6982000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1097" decimals="-6" id="f-2684" unitRef="eur">7078000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
      contextRef="c-1097"
      decimals="4"
      id="f-2685"
      unitRef="number">0.0250</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1098" decimals="-6" id="f-2686" unitRef="eur">49000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1099" decimals="-6" id="f-2687" unitRef="eur">11995000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1100" decimals="-6" id="f-2688" unitRef="eur">12044000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
      contextRef="c-1100"
      decimals="4"
      id="f-2689"
      unitRef="number">0.0495</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1101" decimals="-6" id="f-2690" unitRef="eur">3254000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1102" decimals="-6" id="f-2691" unitRef="eur">5954000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1103" decimals="-6" id="f-2692" unitRef="eur">9208000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
      contextRef="c-1103"
      decimals="4"
      id="f-2693"
      unitRef="number">0.0307</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1104" decimals="-6" id="f-2694" unitRef="eur">3336000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1105" decimals="-6" id="f-2695" unitRef="eur">4502000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1106" decimals="-6" id="f-2696" unitRef="eur">7838000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
      contextRef="c-1106"
      decimals="4"
      id="f-2697"
      unitRef="number">0.0276</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1107" decimals="-6" id="f-2698" unitRef="eur">2315000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1108" decimals="-6" id="f-2699" unitRef="eur">2546000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1109" decimals="-6" id="f-2700" unitRef="eur">4861000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
      contextRef="c-1109"
      decimals="4"
      id="f-2701"
      unitRef="number">0.0200</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1110" decimals="-6" id="f-2702" unitRef="eur">1125000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1111" decimals="-6" id="f-2703" unitRef="eur">3257000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1112" decimals="-6" id="f-2704" unitRef="eur">4382000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
      contextRef="c-1112"
      decimals="4"
      id="f-2705"
      unitRef="number">0.0145</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1113" decimals="-6" id="f-2706" unitRef="eur">1100000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1114" decimals="-6" id="f-2707" unitRef="eur">6050000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1115" decimals="-6" id="f-2708" unitRef="eur">7150000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
      contextRef="c-1115"
      decimals="4"
      id="f-2709"
      unitRef="number">0.0252</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1116" decimals="-6" id="f-2710" unitRef="eur">806000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1117" decimals="-6" id="f-2711" unitRef="eur">4623000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1118" decimals="-6" id="f-2712" unitRef="eur">5429000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
      contextRef="c-1118"
      decimals="4"
      id="f-2713"
      unitRef="number">0.0223</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1119" decimals="-6" id="f-2714" unitRef="eur">63816000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1120" decimals="-6" id="f-2715" unitRef="eur">236210000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-11" decimals="-6" id="f-2716" unitRef="eur">300026000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage contextRef="c-11" decimals="2" id="f-2717" unitRef="number">1</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1121" decimals="-6" id="f-2718" unitRef="eur">61831000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1122" decimals="-6" id="f-2719" unitRef="eur">221666000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-3" decimals="-6" id="f-2720" unitRef="eur">283497000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage contextRef="c-3" decimals="2" id="f-2721" unitRef="number">1</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1123" decimals="-6" id="f-2722" unitRef="eur">57150000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1124" decimals="-6" id="f-2723" unitRef="eur">186053000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-4" decimals="-6" id="f-2724" unitRef="eur">243203000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage contextRef="c-4" decimals="2" id="f-2725" unitRef="number">1</san:FinancialAssetsPercentage>
    <san:DisclosureOfDebtInstrumentsByIssuerRatingTableTextBlock contextRef="c-1" id="f-2726">&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by issuer rating, of Debt securities at 31 December 2025, 2024 and 2023 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.277%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="45" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Private fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Public fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Private fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Public fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Private fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Public fixed-income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;AAA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,952&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,320&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.42&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,889&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,329&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.23&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,039&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.47&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;AA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,598&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,451&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,049&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20.68&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,972&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64,226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22.65&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,142&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51,846&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21.32&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,206&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;95,537&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;108,743&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36.24&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,056&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;87,814&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;97,870&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34.53&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68,112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;79,287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32.60&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;BBB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,872&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50,066&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,938&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18.98&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,900&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,483&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53,383&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18.83&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,749&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39,173&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,922&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19.29&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Below BBB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,052&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,836&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,888&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14.63&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,675&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14.54&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,654&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,831&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15.97&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Unrated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;text-indent:-0.01pt;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.05&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,471&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,471&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.22&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.35&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;63,816&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;236,210&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;300,026&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;61,831&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span 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      unitRef="number">0.0122</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1176" decimals="-6" id="f-2795" unitRef="eur">3278000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1177" decimals="-6" id="f-2796" unitRef="eur">0</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1178" decimals="-6" id="f-2797" unitRef="eur">3278000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage
      contextRef="c-1178"
      decimals="4"
      id="f-2798"
      unitRef="number">0.0135</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1119" decimals="-6" id="f-2799" unitRef="eur">63816000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1120" decimals="-6" id="f-2800" unitRef="eur">236210000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-11" decimals="-6" id="f-2801" unitRef="eur">300026000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage contextRef="c-11" decimals="2" id="f-2802" unitRef="number">1</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1121" decimals="-6" id="f-2803" unitRef="eur">61831000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1122" decimals="-6" id="f-2804" unitRef="eur">221666000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-12" decimals="-6" id="f-2805" unitRef="eur">283497000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage contextRef="c-12" decimals="2" id="f-2806" unitRef="number">1</san:FinancialAssetsPercentage>
    <ifrs-full:FinancialAssets contextRef="c-1123" decimals="-6" id="f-2807" unitRef="eur">57150000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1124" decimals="-6" id="f-2808" unitRef="eur">186053000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-13" decimals="-6" id="f-2809" unitRef="eur">243203000000</ifrs-full:FinancialAssets>
    <san:FinancialAssetsPercentage contextRef="c-13" decimals="2" id="f-2810" unitRef="number">1</san:FinancialAssetsPercentage>
    <ifrs-full:DisclosureOfDetailedInformationAboutFinancialInstrumentsExplanatory contextRef="c-1" id="f-2811">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by type of financial instrument, of private fixed-income securities at 31 December 2025, 2024 and 2023, net of impairment losses, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Securitised mortgage bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,514&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other asset-backed bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,073&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,624&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,243&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Floating rate debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,323&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,376&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fixed rate debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,221&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;63,816&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;61,831&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;57,150&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfDetailedInformationAboutFinancialInstrumentsExplanatory>
    <ifrs-full:FinancialAssets contextRef="c-1179" decimals="-6" id="f-2812" unitRef="eur">10514000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1180" decimals="-6" id="f-2813" unitRef="eur">10709000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1181" decimals="-6" id="f-2814" unitRef="eur">9310000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1182" decimals="-6" id="f-2815" unitRef="eur">14073000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1183" decimals="-6" id="f-2816" unitRef="eur">11624000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1184" decimals="-6" id="f-2817" unitRef="eur">10243000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1185" decimals="-6" id="f-2818" unitRef="eur">18721000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1186" decimals="-6" id="f-2819" unitRef="eur">17323000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1187" decimals="-6" id="f-2820" unitRef="eur">15376000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1188" decimals="-6" id="f-2821" unitRef="eur">20508000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1189" decimals="-6" id="f-2822" unitRef="eur">22175000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1190" decimals="-6" id="f-2823" unitRef="eur">22221000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1119" decimals="-6" id="f-2824" unitRef="eur">63816000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1121" decimals="-6" id="f-2825" unitRef="eur">61831000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1123" decimals="-6" id="f-2826" unitRef="eur">57150000000</ifrs-full:FinancialAssets>
    <ifrs-full:DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory contextRef="c-1" id="f-2827">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in the impairment losses on debt securities are summarised below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.025%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at beginning of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;349&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;286&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net impairment losses for the&#160;year&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Impairment losses charged to income &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;234&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Impairment losses reversed with a credit to income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(56)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Assets written off&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(131)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;520&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;349&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;286&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;By geographical location of risk:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;European Union&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;494&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;326&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;264&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Of the EUR 182 million corresponding to net provisions for the year ended 31 December 2025 (EUR 226 million and EUR 24 million at 31 December 2024 and 2023, respectively), EUR 182 million relates to financial assets at amortized cost (EUR 227 million and EUR 23 million at 31 December 2024 and 2023, respectively) and EUR 0 million relates to financial assets designated at fair value through other comprehensive income (EUR -1 million and EUR 1 million at 31 December 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following is the movement of the loan loss provision broken down by impairment stage of loans and advances to customers during 2025, 2024 and 2023:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:39.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.025%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loss allowance at the beginning of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,744&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,088&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(847)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,734&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(701)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,931&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,189)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,760&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,571&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;82&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(466)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(384)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(344)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(167)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(59)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(43)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net changes of the exposure and modifications in the credit risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,269&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(800)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,050&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;FX and other movements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(112)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(569)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,164)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,845)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loss allowance at the end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,000&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,631&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,527&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21,158&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:40.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loss allowance at the beginning of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,596&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,788&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(626)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,676&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,050&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(385)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,548&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,591)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,444&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,853&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;109&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(725)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(616)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(693)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(415)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(156)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(133)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net changes of the exposure and modifications in the credit risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;755&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(704)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,706&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,212)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,212)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;FX and other movements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(179)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(144)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(736)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,059)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loss allowance at the end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,293&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,744&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,088&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;22,125&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:40.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loss allowance at the beginning of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,626&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,127&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,931&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(696)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(405)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,873&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,820)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,901&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;149&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(905)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(756)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;282&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(920)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(638)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(184)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(157)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net changes of the exposure and modifications in the credit risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;875&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(557)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,212&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,530&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,847)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,847)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;FX and other movements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(127)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(60)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loss allowance at the end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,596&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,954&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,238&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;22,788&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in gross property development loans to customers were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:40.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.346%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,545&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,433&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,327&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Foreclosed assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net variation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;441&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;112&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;115&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Written-off assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,984&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,545&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,433&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The gross movement in foreclosed properties were as follows (EUR billion):&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.097%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.579%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.961%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.963%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR Billion&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.2)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Difference&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfReconciliationOfChangesInLossAllowanceAndExplanationOfChangesInGrossCarryingAmountForFinancialInstrumentsExplanatory>
    <ifrs-full:FinancialAssets contextRef="c-1191" decimals="-6" id="f-2828" unitRef="eur">-349000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1192" decimals="-6" id="f-2829" unitRef="eur">-286000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1193" decimals="-6" id="f-2830" unitRef="eur">-226000000</ifrs-full:FinancialAssets>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1194" decimals="-6" id="f-2831" unitRef="eur">182000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1195" decimals="-6" id="f-2832" unitRef="eur">226000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1196" decimals="-6" id="f-2833" unitRef="eur">24000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLoss contextRef="c-1194" decimals="-6" id="f-2834" unitRef="eur">238000000</ifrs-full:ImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLoss contextRef="c-1195" decimals="-6" id="f-2835" unitRef="eur">234000000</ifrs-full:ImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLoss contextRef="c-1196" decimals="-6" id="f-2836" unitRef="eur">36000000</ifrs-full:ImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1194" decimals="-6" id="f-2837" unitRef="eur">56000000</ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1195" decimals="-6" id="f-2838" unitRef="eur">8000000</ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1196" decimals="-6" id="f-2839" unitRef="eur">12000000</ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:DecreaseThroughWriteoffFinancialAssets contextRef="c-1194" decimals="-6" id="f-2840" unitRef="eur">0</ifrs-full:DecreaseThroughWriteoffFinancialAssets>
    <ifrs-full:DecreaseThroughWriteoffFinancialAssets contextRef="c-1195" decimals="-6" id="f-2841" unitRef="eur">-131000000</ifrs-full:DecreaseThroughWriteoffFinancialAssets>
    <ifrs-full:DecreaseThroughWriteoffFinancialAssets contextRef="c-1196" decimals="-6" id="f-2842" unitRef="eur">0</ifrs-full:DecreaseThroughWriteoffFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1194" decimals="-6" id="f-2843" unitRef="eur">11000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1195" decimals="-6" id="f-2844" unitRef="eur">32000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1196" decimals="-6" id="f-2845" unitRef="eur">-36000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1197" decimals="-6" id="f-2846" unitRef="eur">-520000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1191" decimals="-6" id="f-2847" unitRef="eur">-349000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1192" decimals="-6" id="f-2848" unitRef="eur">-286000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1198" decimals="-6" id="f-2849" unitRef="eur">-26000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1199" decimals="-6" id="f-2850" unitRef="eur">-23000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1200" decimals="-6" id="f-2851" unitRef="eur">-22000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1201" decimals="-6" id="f-2852" unitRef="eur">-494000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1202" decimals="-6" id="f-2853" unitRef="eur">-326000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1203" decimals="-6" id="f-2854" unitRef="eur">-264000000</ifrs-full:FinancialAssets>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1194" decimals="-6" id="f-2855" unitRef="eur">182000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1195" decimals="-6" id="f-2856" unitRef="eur">226000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1196" decimals="-6" id="f-2857" unitRef="eur">24000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1204" decimals="-6" id="f-2858" unitRef="eur">182000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1205" decimals="-6" id="f-2859" unitRef="eur">227000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1206" decimals="-6" id="f-2860" unitRef="eur">23000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1207" decimals="-6" id="f-2861" unitRef="eur">0</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1208" decimals="-6" id="f-2862" unitRef="eur">-1000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1209" decimals="-6" id="f-2863" unitRef="eur">1000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:FinancialAssets contextRef="c-1210" decimals="-6" id="f-2864" unitRef="eur">-62000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1211" decimals="-6" id="f-2865" unitRef="eur">-39000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1212" decimals="-6" id="f-2866" unitRef="eur">-30000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1213" decimals="-6" id="f-2867" unitRef="eur">-66000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1214" decimals="-6" id="f-2868" unitRef="eur">-9000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1215" decimals="-6" id="f-2869" unitRef="eur">-8000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1216" decimals="-6" id="f-2870" unitRef="eur">-392000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1217" decimals="-6" id="f-2871" unitRef="eur">-301000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1218" decimals="-6" id="f-2872" unitRef="eur">-248000000</ifrs-full:FinancialAssets>
    <san:DisclosureOfEquityFinancialInstrumentsTextBlock contextRef="c-1" id="f-2873">Equity instruments&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i4fd6e42de1e2442985563d4265f84ac1"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Breakdown&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by classification and type, of Equity instruments in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Classification&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,030&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,641&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,068&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,193&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,126&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,470&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20,886&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Shares of Spanish companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,083&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,730&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,540&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Shares of foreign companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,185&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Shares of investment funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,410&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,587&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,161&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,126&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,470&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20,886&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Note 29 contains a detail of the 'Other comprehensive income', recognised in equity, on 'Financial assets designated at fair value through other comprehensive income'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span id="iff0a4bcafce8451ab45fdca6aa674dfb"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Changes&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in 'Financial assets at fair value through other comprehensive income' were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at beginning of&#160;the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,193&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net additions (disposals)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(81)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(35)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of equity instruments measured at fair value through other comprehensive income (EIGR)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;245&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;447&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(162)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the RV hedged with micro-hedging transactions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(76)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,281&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,761&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;They do not include fair value movements for currency risk hedged with hedging instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i269df894adac4de29deeb391af382e20"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;c) Notifications of acquisitions of investments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The notifications of the acquisitions and disposals of holdings in investees made by the Bank in 2025, in compliance with Article 155 of the Spanish Limited Liability Companies Law and Article 105 of Spanish Securities Market Law 24/1998, are listed in appendix IV.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfEquityFinancialInstrumentsTextBlock>
    <san:DisclosureOfEquityFinancialInstrumentsTableTextBlock contextRef="c-1" id="f-2874">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by classification and type, of Equity instruments in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Classification&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,030&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,641&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,068&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,193&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,126&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,470&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20,886&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Shares of Spanish companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,083&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,730&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,540&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Shares of foreign companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,185&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Shares of investment funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,410&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,587&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,161&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,126&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,470&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20,886&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfEquityFinancialInstrumentsTableTextBlock>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-8" decimals="-6" id="f-2875" unitRef="eur">22030000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-9" decimals="-6" id="f-2876" unitRef="eur">16636000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-10" decimals="-6" id="f-2877" unitRef="eur">15057000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-8" decimals="-6" id="f-2878" unitRef="eur">5815000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-9" decimals="-6" id="f-2879" unitRef="eur">4641000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-10" decimals="-6" id="f-2880" unitRef="eur">4068000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-8" decimals="-6" id="f-2881" unitRef="eur">2281000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-9" decimals="-6" id="f-2882" unitRef="eur">2193000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-10" decimals="-6" id="f-2883" unitRef="eur">1761000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssets contextRef="c-8" decimals="-6" id="f-2884" unitRef="eur">30126000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-9" decimals="-6" id="f-2885" unitRef="eur">23470000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-10" decimals="-6" id="f-2886" unitRef="eur">20886000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1219" decimals="-6" id="f-2887" unitRef="eur">5083000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1220" decimals="-6" id="f-2888" unitRef="eur">3730000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1221" decimals="-6" id="f-2889" unitRef="eur">3540000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1222" decimals="-6" id="f-2890" unitRef="eur">21633000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1223" decimals="-6" id="f-2891" unitRef="eur">17153000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1224" decimals="-6" id="f-2892" unitRef="eur">15185000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1225" decimals="-6" id="f-2893" unitRef="eur">3410000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1226" decimals="-6" id="f-2894" unitRef="eur">2587000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1227" decimals="-6" id="f-2895" unitRef="eur">2161000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-8" decimals="-6" id="f-2896" unitRef="eur">30126000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-9" decimals="-6" id="f-2897" unitRef="eur">23470000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-10" decimals="-6" id="f-2898" unitRef="eur">20886000000</ifrs-full:FinancialAssets>
    <san:DisclosureOfChangesInFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock contextRef="c-1" id="f-2899">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in 'Financial assets at fair value through other comprehensive income' were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at beginning of&#160;the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,193&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net additions (disposals)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(81)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(35)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of equity instruments measured at fair value through other comprehensive income (EIGR)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;245&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;447&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(162)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the RV hedged with micro-hedging transactions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(76)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,281&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,761&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;They do not include fair value movements for currency risk hedged with hedging instruments.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfChangesInFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-9" decimals="-6" id="f-2900" unitRef="eur">2193000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-10" decimals="-6" id="f-2901" unitRef="eur">1761000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-1228" decimals="-6" id="f-2902" unitRef="eur">1941000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <san:AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet contextRef="c-1229" decimals="-6" id="f-2903" unitRef="eur">-81000000</san:AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet>
    <san:AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet contextRef="c-1230" decimals="-6" id="f-2904" unitRef="eur">-35000000</san:AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet>
    <san:AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet contextRef="c-1231" decimals="-6" id="f-2905" unitRef="eur">11000000</san:AdditionsDisposalsOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeNet>
    <ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax contextRef="c-1229" decimals="-6" id="f-2906" unitRef="eur">245000000</ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax>
    <ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax contextRef="c-1230" decimals="-6" id="f-2907" unitRef="eur">447000000</ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax>
    <ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax contextRef="c-1231" decimals="-6" id="f-2908" unitRef="eur">-162000000</ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax>
    <san:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax contextRef="c-1229" decimals="-6" id="f-2909" unitRef="eur">-76000000</san:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax>
    <san:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax contextRef="c-1230" decimals="-6" id="f-2910" unitRef="eur">20000000</san:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax>
    <san:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax contextRef="c-1231" decimals="-6" id="f-2911" unitRef="eur">-29000000</san:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeChangesInTheRVHedgedBeforeTax>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-8" decimals="-6" id="f-2912" unitRef="eur">2281000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-9" decimals="-6" id="f-2913" unitRef="eur">2193000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-10" decimals="-6" id="f-2914" unitRef="eur">1761000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <san:DisclosureOfTradingDerivativesAndShortPositionsTextBlock contextRef="c-1" id="f-2915">Trading derivatives (assets and liabilities) and short positions&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i35344bb4d90c409fb6282b9dd2ab5367"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Trading Derivatives&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by type of inherent risk, of the fair value of the trading derivatives arranged by the Group is as follows (see note&#160;11):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.831%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.831%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.831%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.831%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.831%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.837%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Debit balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Debit balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Debit balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit balance&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,728&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30,834&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,754&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,480&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Currency risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,755&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,395&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,834&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,094&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Price risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,858&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,279&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,632&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,279&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;904&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other risks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,453&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,106&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,257&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;735&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;577&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;58,355&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;51,968&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;64,100&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;57,753&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;56,328&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;50,589&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i4e58aabf0172431e9c1bbe755d92b397"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Short positions&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following is a breakdown of the short positions (liabilities):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.951%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Borrowed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,938&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,566&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,263&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which: &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,555&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,347&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,383&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander M&#xe9;xico, S.A., Instituci&#xf3;n de Banca M&#xfa;ltiple, Grupo Financiero Santander M&#xe9;xico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,358&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,199&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,881&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;690&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;538&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;429&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;358&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Short sales&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,387&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,726&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;28,710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;23,813&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16,143&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander (Brasil) S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,417&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,950&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander US Capital Markets LLC &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,442&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;44,015&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;35,830&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26,174&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfTradingDerivativesAndShortPositionsTextBlock>
    <san:DisclosureOfTradingDerivativesTableTextBlock contextRef="c-1" id="f-2916">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by type of inherent risk, of the fair value of the trading derivatives arranged by the Group is as follows (see note&#160;11):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.308%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.831%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.831%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.831%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.831%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.831%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.837%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Debit balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Debit balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Debit balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit balance&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,728&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30,834&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,754&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,480&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Currency risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,755&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,395&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,834&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,094&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Price risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,858&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,279&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,632&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,279&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;904&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other risks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,453&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,106&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,257&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;735&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;577&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;58,355&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;51,968&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;64,100&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;57,753&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;56,328&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;50,589&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfTradingDerivativesTableTextBlock>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1232" decimals="-6" id="f-2917" unitRef="eur">29550000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1233" decimals="-6" id="f-2918" unitRef="eur">23728000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1234" decimals="-6" id="f-2919" unitRef="eur">30834000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1235" decimals="-6" id="f-2920" unitRef="eur">24754000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1236" decimals="-6" id="f-2921" unitRef="eur">31480000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1237" decimals="-6" id="f-2922" unitRef="eur">26014000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1238" decimals="-6" id="f-2923" unitRef="eur">24755000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1239" decimals="-6" id="f-2924" unitRef="eur">20508000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1240" decimals="-6" id="f-2925" unitRef="eur">29395000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1241" decimals="-6" id="f-2926" unitRef="eur">29110000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1242" decimals="-6" id="f-2927" unitRef="eur">22834000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1243" decimals="-6" id="f-2928" unitRef="eur">23094000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1244" decimals="-6" id="f-2929" unitRef="eur">1858000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1245" decimals="-6" id="f-2930" unitRef="eur">2279000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1246" decimals="-6" id="f-2931" unitRef="eur">1765000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1247" decimals="-6" id="f-2932" unitRef="eur">1632000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1248" decimals="-6" id="f-2933" unitRef="eur">1279000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1249" decimals="-6" id="f-2934" unitRef="eur">904000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1250" decimals="-6" id="f-2935" unitRef="eur">2192000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1251" decimals="-6" id="f-2936" unitRef="eur">5453000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1252" decimals="-6" id="f-2937" unitRef="eur">2106000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1253" decimals="-6" id="f-2938" unitRef="eur">2257000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1254" decimals="-6" id="f-2939" unitRef="eur">735000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1255" decimals="-6" id="f-2940" unitRef="eur">577000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-5" decimals="-6" id="f-2941" unitRef="eur">58355000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-32" decimals="-6" id="f-2942" unitRef="eur">51968000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-6" decimals="-6" id="f-2943" unitRef="eur">64100000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-33" decimals="-6" id="f-2944" unitRef="eur">57753000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-7" decimals="-6" id="f-2945" unitRef="eur">56328000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-34" decimals="-6" id="f-2946" unitRef="eur">50589000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <san:DisclosureOfShortPositionsTableTextBlock contextRef="c-1" id="f-2947">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following is a breakdown of the short positions (liabilities):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.951%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Borrowed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,938&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,566&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,263&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which: &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,555&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,347&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,383&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander M&#xe9;xico, S.A., Instituci&#xf3;n de Banca M&#xfa;ltiple, Grupo Financiero Santander M&#xe9;xico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,358&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,199&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,881&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;690&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;538&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;429&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;358&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Short sales&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,387&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,726&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;28,710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;23,813&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16,143&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander (Brasil) S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,417&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,950&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander US Capital Markets LLC &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,442&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;44,015&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;35,830&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26,174&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfShortPositionsTableTextBlock>
    <san:FinancialLiabilitiesAttributableToBorrowedSecurities contextRef="c-1256" decimals="-6" id="f-2948" unitRef="eur">2938000000</san:FinancialLiabilitiesAttributableToBorrowedSecurities>
    <san:FinancialLiabilitiesAttributableToBorrowedSecurities contextRef="c-1257" decimals="-6" id="f-2949" unitRef="eur">2566000000</san:FinancialLiabilitiesAttributableToBorrowedSecurities>
    <san:FinancialLiabilitiesAttributableToBorrowedSecurities contextRef="c-1258" decimals="-6" id="f-2950" unitRef="eur">3263000000</san:FinancialLiabilitiesAttributableToBorrowedSecurities>
    <san:FinancialLiabilitiesAttributableToBorrowedSecurities contextRef="c-1259" decimals="-6" id="f-2951" unitRef="eur">1555000000</san:FinancialLiabilitiesAttributableToBorrowedSecurities>
    <san:FinancialLiabilitiesAttributableToBorrowedSecurities contextRef="c-1260" decimals="-6" id="f-2952" unitRef="eur">1347000000</san:FinancialLiabilitiesAttributableToBorrowedSecurities>
    <san:FinancialLiabilitiesAttributableToBorrowedSecurities contextRef="c-1261" decimals="-6" id="f-2953" unitRef="eur">1383000000</san:FinancialLiabilitiesAttributableToBorrowedSecurities>
    <san:FinancialLiabilitiesAttributableToBorrowedSecurities contextRef="c-1262" decimals="-6" id="f-2954" unitRef="eur">1358000000</san:FinancialLiabilitiesAttributableToBorrowedSecurities>
    <san:FinancialLiabilitiesAttributableToBorrowedSecurities contextRef="c-1263" decimals="-6" id="f-2955" unitRef="eur">1199000000</san:FinancialLiabilitiesAttributableToBorrowedSecurities>
    <san:FinancialLiabilitiesAttributableToBorrowedSecurities contextRef="c-1264" decimals="-6" id="f-2956" unitRef="eur">1881000000</san:FinancialLiabilitiesAttributableToBorrowedSecurities>
    <san:FinancialLiabilitiesAttributableToBorrowedSecurities contextRef="c-1265" decimals="-6" id="f-2957" unitRef="eur">690000000</san:FinancialLiabilitiesAttributableToBorrowedSecurities>
    <san:FinancialLiabilitiesAttributableToBorrowedSecurities contextRef="c-1266" decimals="-6" id="f-2958" unitRef="eur">538000000</san:FinancialLiabilitiesAttributableToBorrowedSecurities>
    <san:FinancialLiabilitiesAttributableToBorrowedSecurities contextRef="c-1267" decimals="-6" id="f-2959" unitRef="eur">546000000</san:FinancialLiabilitiesAttributableToBorrowedSecurities>
    <san:FinancialLiabilitiesAttributableToBorrowedSecurities contextRef="c-1268" decimals="-6" id="f-2960" unitRef="eur">429000000</san:FinancialLiabilitiesAttributableToBorrowedSecurities>
    <san:FinancialLiabilitiesAttributableToBorrowedSecurities contextRef="c-1269" decimals="-6" id="f-2961" unitRef="eur">358000000</san:FinancialLiabilitiesAttributableToBorrowedSecurities>
    <san:FinancialLiabilitiesAttributableToBorrowedSecurities contextRef="c-1270" decimals="-6" id="f-2962" unitRef="eur">312000000</san:FinancialLiabilitiesAttributableToBorrowedSecurities>
    <san:FinancialLiabilitiesAttributableToShortSales contextRef="c-1256" decimals="-6" id="f-2963" unitRef="eur">40387000000</san:FinancialLiabilitiesAttributableToShortSales>
    <san:FinancialLiabilitiesAttributableToShortSales contextRef="c-1257" decimals="-6" id="f-2964" unitRef="eur">32726000000</san:FinancialLiabilitiesAttributableToShortSales>
    <san:FinancialLiabilitiesAttributableToShortSales contextRef="c-1258" decimals="-6" id="f-2965" unitRef="eur">22365000000</san:FinancialLiabilitiesAttributableToShortSales>
    <san:FinancialLiabilitiesAttributableToShortSales contextRef="c-1259" decimals="-6" id="f-2966" unitRef="eur">28710000000</san:FinancialLiabilitiesAttributableToShortSales>
    <san:FinancialLiabilitiesAttributableToShortSales contextRef="c-1260" decimals="-6" id="f-2967" unitRef="eur">23813000000</san:FinancialLiabilitiesAttributableToShortSales>
    <san:FinancialLiabilitiesAttributableToShortSales contextRef="c-1261" decimals="-6" id="f-2968" unitRef="eur">16143000000</san:FinancialLiabilitiesAttributableToShortSales>
    <san:FinancialLiabilitiesAttributableToShortSales contextRef="c-1271" decimals="-6" id="f-2969" unitRef="eur">7417000000</san:FinancialLiabilitiesAttributableToShortSales>
    <san:FinancialLiabilitiesAttributableToShortSales contextRef="c-1272" decimals="-6" id="f-2970" unitRef="eur">5950000000</san:FinancialLiabilitiesAttributableToShortSales>
    <san:FinancialLiabilitiesAttributableToShortSales contextRef="c-1273" decimals="-6" id="f-2971" unitRef="eur">3462000000</san:FinancialLiabilitiesAttributableToShortSales>
    <san:FinancialLiabilitiesAttributableToShortSales contextRef="c-1274" decimals="-6" id="f-2972" unitRef="eur">3396000000</san:FinancialLiabilitiesAttributableToShortSales>
    <san:FinancialLiabilitiesAttributableToShortSales contextRef="c-1275" decimals="-6" id="f-2973" unitRef="eur">2382000000</san:FinancialLiabilitiesAttributableToShortSales>
    <san:FinancialLiabilitiesAttributableToShortSales contextRef="c-1276" decimals="-6" id="f-2974" unitRef="eur">2442000000</san:FinancialLiabilitiesAttributableToShortSales>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-35" decimals="-6" id="f-2975" unitRef="eur">44015000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-36" decimals="-6" id="f-2976" unitRef="eur">35830000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-37" decimals="-6" id="f-2977" unitRef="eur">26174000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory contextRef="c-1" id="f-2978">Loans and advances to customers&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="idc13193aa3f84b11853716a4fc93a088"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Detail&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by classification, of Loans and advances to customers in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:47.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.109%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,766&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,591&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through&lt;br/&gt;profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,701&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,042&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,610&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,219&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,906&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,669&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;985,176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,011,042&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,009,845&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Impairment losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(21,158)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(22,125)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(22,788)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,037,288&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,054,069&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,036,349&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loans and advances to customers disregarding impairment losses &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,058,446&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,076,194&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,059,137&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Note 51 contains a detail of the residual maturity periods of 'Financial assets at amortized cost'.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Note&#160;54 shows the Group&#x2019;s total exposure, by geographical origin of the issuer.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;There are no loans and advances to customers for material amounts without fixed maturity dates.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i21f272f0b48d44ae8d0d3c27c53c96b2"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Breakdown&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following is a breakdown of the loans and advances granted to the Group's customers, which reflect the Group's exposure to credit risk in its main activity, without considering the balance of value adjustments for impairment, taking into account the type and situation of the transactions, the geographical area of their residence and the type of interest rate on the transactions:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:47.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.876%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan type and status&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commercial credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51,110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55,628&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Secured loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;530,749&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;557,463&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;554,375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;73,980&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;59,648&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,184&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other term loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;295,998&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;296,339&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;295,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Finance leases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,540&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,723&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Receivable on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,756&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,277&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit cards receivables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,179&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,928&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,371&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impaired assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,577&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,731&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,094&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,058,446&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,076,194&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,059,137&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Geographical area&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;198,894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;198,164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;203,680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Rest of Europe &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;467,697&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;502,664&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;489,706&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;of which United Kingdom&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;258,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;266,934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;263,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;The Americas&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;374,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;359,264&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;350,873&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;of which USA&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;135,088&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;136,054&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;126,529&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;of which Brazil&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;90,951&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;91,066&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;100,758&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,878&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,058,446&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,076,194&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,059,137&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate formula&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fixed rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;694,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;678,994&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;647,349&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Floating rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;364,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;397,200&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;411,788&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,058,446&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,076,194&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,059,137&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, 2024 and 2023 the Group had granted loans amounting to EUR 18,127 million, EUR 16,562 million and EUR 15,544 million to Spanish public sector agencies which had a rating at 31 December 2025 of A (ratings of A at 31 December 2024 and 31 December 2023), and EUR 16,248 million, EUR 13,593 million, and EUR 11,530 million to the public sector in other countries (at 31 December 2025, the breakdown of this amount by issuer rating was as follows: 3.6% AAA, 26.4% AA, 25.6% A, 27.5% BBB, 16.4% below BBB and 0.5% without rating).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Without considering the public administrations, the amount of the loans and advances at 31 December 2025, 2024 and 2023 amounts to EUR 1,024,071 million, EUR 1,046,039 million and EUR 1,032,063 million, of which, EUR 954,533 million, EUR 1,012,389 million and EUR 998,010 million are classified as performing, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following is a detail, by activity, of the loans to customers at 31 December 2025, net of impairment losses:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:28.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.460%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="33" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="24" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Secured loans&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan to value ratio&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Without &lt;br/&gt;collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of&#160;which&lt;br/&gt;property&lt;br/&gt;&#160;collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of&#160;which&lt;br/&gt;other&lt;br/&gt;&#160;collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Less than or&#160;equal to 40%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&lt;br/&gt;than 40%&#160;and less&#160;than or&#160;equal&lt;br/&gt;to 60%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&lt;br/&gt;than 60%&#160;and less&#160;than or&#160;equal&lt;br/&gt;to 80%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&lt;br/&gt;than 80%&#160;and less&#160;than or&#160;equal&lt;br/&gt;to 100%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than 100%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Public sector&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,607&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,423&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,031&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;157&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;168&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;251&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;334&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;274&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial institutions (financial business activity)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;124,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,687&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,959&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80,038&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,045&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;995&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;424&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;77,935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;598&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-financial corporations and individual entrepreneurs (non-financial business activity) (broken down by purpose)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;318,284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;179,529&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;63,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;75,631&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,917&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,942&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,168&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45,306&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,422&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Construction and property development&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17,118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15,594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,963&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,921&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,890&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;886&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Civil engineering construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,522&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,732&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;771&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;93&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;84&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;470&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;104&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Large companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;181,870&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;128,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17,718&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;35,650&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,666&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,157&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25,459&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,909&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;SMEs and individual entrepreneurs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;116,774&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;48,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;29,793&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;38,980&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,082&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;18,213&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,523&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Households&#160;&#x2013; other (broken down by purpose) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;542,623&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;108,903&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;338,778&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;94,942&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;100,584&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;126,917&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;113,075&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55,214&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37,930&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Residential&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;332,931&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,149&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;331,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;127&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;90,170&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;116,264&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;97,858&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25,944&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Consumer loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;192,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;104,388&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,667&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;86,521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,909&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,063&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;24,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;35,942&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other purposes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17,116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,456&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,590&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,920&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;442&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,015,198&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;359,542&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;404,014&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;251,642&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;126,703&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;155,022&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;132,918&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;178,789&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;62,224&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Memorandum item&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Refinanced and restructured transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,896&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,347&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,037&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,457&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,383&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;In addition, the Group has granted advances to customers am&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;ounting to EUR 22,090 million, bringing the total of loans and advances to EUR 1,037,288 million.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Includes the net balance of the impairment of the accumulated value or accumulated losses in the fair value due to credit risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;The ratio is the carrying amount of the transactions at 31 December 2025 provided by the latest available appraisal value of the collateral.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;margin-top:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Note&#160;54 contains information relating to the forborne loan portfolio.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following is the movement of the gross exposure broken down by impairment stage of loans and advances to customers recognised under 'Financial assets at amortised cost' and 'Financial assets at fair value through other comprehensive income' during 2025, 2024 and 2023:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at the beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;925,413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;84,455&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,043,436&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Movements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(39,015)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39,015&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 1&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12,097)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,097&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8,266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,266&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16,079)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,764&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,764)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(441)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net changes on financial assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69,819&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12,940)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,436)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;52,443&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(54,818)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6,369)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,493)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(63,680)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at the end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;905,822&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;81,580&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,531&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,018,933&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.876%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at the beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;929,133&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76,654&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,821&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,039,608&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Movements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(49,316)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49,316&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 1&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11,517)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,517&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10,083)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,083&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,475&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(21,475)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,358&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,358)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;447&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(447)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net changes on financial assets &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11,616)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,889)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,776&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,212)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,212)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8,090)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(699)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(947)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9,736)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at the end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;925,413&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;84,455&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;33,568&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,043,436&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:39.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.025%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at the beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;942,861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;66,696&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,617&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,042,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Movements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(43,278)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12,636)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9,915)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,915&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,180&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15,180)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,899&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,899)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;488&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(488)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net changes on financial assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,696&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10,673)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,218)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,805&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,847)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,847)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,178)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(451)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,524)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at the end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;929,133&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;76,654&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;33,821&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,039,608&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, at 31 December 2025, the Group had EUR 307 million (EUR 515 million at 31 December 2024 and EUR 694  million at 31 December 2023) of exposure in assets purchased with impairment of which EUR 46 million still show signs of additional impairment, which correspond mainly to the business combinations carried out by the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="ic651a9bd4b5642b5b44daca6bcbbd497"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;c) Impairment losses on loans and advances to customers at amortised cost and at fair value through other comprehensive income&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in the impairment losses on the assets making up the balances of financial assets at amortised cost and at fair value through other comprehensive income - Loans and advances - Customers:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Amount at beginning of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,788&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment losses charged to income for the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,144&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,805&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Impairment losses charged to profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;24,935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20,608&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Impairment losses reversed with a credit to profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(10,791)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(9,333)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6,803)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Change of perimeter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(48)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Write-off of impaired balances against recorded impairment allowance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,266)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,212)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,847)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,845)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(879)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;194&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Amount at end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21,158&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;22,125&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;22,788&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Which correspond to:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Impaired assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,527&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,088&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,631&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,037&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Individually calculated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,951&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Collective calculated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;18,799&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,837&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, provisions for debt securities amounting to EUR 182 million were recorded at 31 December 2025 (provisions amounting to EUR 226 million and EUR 24 million as of 31 December 2024 and 2023, respectively), written-off assets recoveries have been recorded in the&#160;year amounting to EUR 1,791 million at 31 December 2025 (EUR 1,600 million and EUR 1,587 million at 31 December 2024 and 2023, respectively). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;With this, the impairment recorded in Impairment or reversal of impairment at financial assets not measured at fair value through  profit or loss and net gains and losses from changes: 'Financial assets at fair value through other comprehensive income' and 'Financial assets at amortised cost (IFRS 9) and, Loans and receivables (IAS 39)'; amounts EUR 12,535 million at 31 December 2025 (EUR 12,136 million and EUR 12,298 million at 31 December 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following is the movement of the loan loss provision broken down by impairment stage of loans and advances to customers during 2025, 2024 and 2023:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:39.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.025%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loss allowance at the beginning of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,744&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,088&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(847)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,734&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(701)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,931&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,189)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,760&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,571&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;82&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(466)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(384)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(344)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(167)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(59)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(43)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net changes of the exposure and modifications in the credit risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,269&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(800)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,050&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;FX and other movements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(112)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(569)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,164)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,845)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loss allowance at the end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,000&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,631&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,527&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21,158&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:40.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loss allowance at the beginning of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,596&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,788&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(626)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,676&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,050&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(385)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,548&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,591)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,444&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,853&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;109&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(725)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(616)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(693)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(415)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(156)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(133)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net changes of the exposure and modifications in the credit risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;755&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(704)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,706&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,212)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,212)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;FX and other movements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(179)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(144)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(736)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,059)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loss allowance at the end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,293&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,744&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,088&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;22,125&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:40.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loss allowance at the beginning of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,626&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,127&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,931&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(696)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(405)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,873&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,820)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,901&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;149&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(905)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(756)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;282&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(920)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(638)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(184)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(157)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net changes of the exposure and modifications in the credit risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;875&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(557)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,212&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,530&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,847)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,847)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;FX and other movements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(127)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(60)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loss allowance at the end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,596&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,954&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,238&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;22,788&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i5bf97dfa6b5245089d7f03e109d9b474"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;d) Impaired assets and assets with unpaid past-due amounts&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of the changes in the balance of the financial assets classified as 'Financial assets Loans to customers' considered to be impaired due to credit risk is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.643%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,731&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,094&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,888&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,648&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,779&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,944&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Written-off assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,266)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,212)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,847)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the scope of consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(59)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,536)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(947)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;168&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,577&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;33,731&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34,094&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This amount, after deducting the related allowances, represents the Group&#x2019;s best estimate of the discounted value of the flows that are expected to be recovered from the impaired assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, the Group&#x2019;s written-off assets totalled EUR 51,435 million (EUR 49,939 million and EUR 48,138 million at 31 December 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Set forth below for each class of impaired asset are the gross amount, associated allowances and information relating to the collateral and/or other credit enhancements obtained at 31 December 2025:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:41.801%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.109%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.346%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross&lt;br/&gt;amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Allowance recognised&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Estimated collateral&lt;br/&gt;value&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Without associated real collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,846&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,133&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;With real estate collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,777&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,759&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;With other collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,635&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,424&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,577&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,527&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,081&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Including the estimated value of the collateral associated with each loan. Accordingly, any other cash flows that may be obtained, such as those arising from borrowers&#x2019; personal guarantees, are not included.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;When classifying assets in the previous table, the main factors considered by the Group to determine whether an asset has become impaired are the existence of amounts past due&#160;&#x2014;assets impaired due to arrears&#x2014; or other circumstances that may arise which will not result in all contractual cash flows being recovered, such as a deterioration of the borrower&#x2019;s financial situation, the worsening of its capacity to generate funds or difficulties experienced by it in accessing credit.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="ie08cd25761e748628b937778eed25aae"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%"&gt;e) Transferred credits&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;'Loans and advances to customers' includes, inter alia, the securitised loans transferred to third parties on which the Group has&#160;retained&#160;the risks and rewards, albeit partially, and which therefore, in accordance with the applicable accounting standards, cannot be derecognised. This is mainly due to mortgage loans, loans to companies and consumer loans in which the group retains subordinate financing and/or grants some kind of credit enhancement to new holders.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Securitisation is used as a tool for the management of regulatory capital and as a means of diversifying the Group's liquidity sources.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The breakdown of securitized loans held on the balance sheet, according to the nature of the financial instrument in which they are originated, is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Retained on the balance sheet&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80,072&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80,824&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;75,738&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Securitised mortgage assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,640&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17,782&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16,994&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which: UK assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,236&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,034&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,096&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other securitised assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;60,432&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;63,042&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;58,744&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;80,072&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;80,824&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;75,738&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Note 22 details the liabilities associated with these securitisation transactions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, Grupo Santander had loans that had been fully derecognised and for which it retained servicing amounting to EUR 12,174 million (EUR 14,919 million and EUR 13,923 million at 31 December 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;</ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory>
    <san:DisclosureOfLoansAndAdvancesToCustomersTableTextBlock contextRef="c-1" id="f-2979">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by classification, of Loans and advances to customers in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:47.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.109%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,766&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,591&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through&lt;br/&gt;profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,701&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,042&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,610&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,219&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,906&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,669&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;985,176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,011,042&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,009,845&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Impairment losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(21,158)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(22,125)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(22,788)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,037,288&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,054,069&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,036,349&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loans and advances to customers disregarding impairment losses &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,058,446&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,076,194&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,059,137&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfLoansAndAdvancesToCustomersTableTextBlock>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-23" decimals="-6" id="f-2980" unitRef="eur">32766000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-24" decimals="-6" id="f-2981" unitRef="eur">26591000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-25" decimals="-6" id="f-2982" unitRef="eur">11634000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-23" decimals="-6" id="f-2983" unitRef="eur">1701000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-24" decimals="-6" id="f-2984" unitRef="eur">1042000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-25" decimals="-6" id="f-2985" unitRef="eur">982000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-23" decimals="-6" id="f-2986" unitRef="eur">4739000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-24" decimals="-6" id="f-2987" unitRef="eur">4610000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-25" decimals="-6" id="f-2988" unitRef="eur">6219000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-23" decimals="-6" id="f-2989" unitRef="eur">12906000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-24" decimals="-6" id="f-2990" unitRef="eur">10784000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-25" decimals="-6" id="f-2991" unitRef="eur">7669000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-23" decimals="-6" id="f-2992" unitRef="eur">985176000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-24" decimals="-6" id="f-2993" unitRef="eur">1011042000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-25" decimals="-6" id="f-2994" unitRef="eur">1009845000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:FinancialAssets contextRef="c-1277" decimals="-6" id="f-2995" unitRef="eur">-21158000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1278" decimals="-6" id="f-2996" unitRef="eur">-22125000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1279" decimals="-6" id="f-2997" unitRef="eur">-22788000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-23" decimals="-6" id="f-2998" unitRef="eur">1037288000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-24" decimals="-6" id="f-2999" unitRef="eur">1054069000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-25" decimals="-6" id="f-3000" unitRef="eur">1036349000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1280" decimals="-6" id="f-3001" unitRef="eur">1058446000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1281" decimals="-6" id="f-3002" unitRef="eur">1076194000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1282" decimals="-6" id="f-3003" unitRef="eur">1059137000000</ifrs-full:FinancialAssets>
    <san:DisclosureOfLoansAndAdvancesToCustomersBreakdownTableTextBlock contextRef="c-1" id="f-3004">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following is a breakdown of the loans and advances granted to the Group's customers, which reflect the Group's exposure to credit risk in its main activity, without considering the balance of value adjustments for impairment, taking into account the type and situation of the transactions, the geographical area of their residence and the type of interest rate on the transactions:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:47.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.876%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan type and status&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commercial credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51,110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55,628&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Secured loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;530,749&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;557,463&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;554,375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;73,980&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;59,648&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,184&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other term loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;295,998&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;296,339&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;295,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Finance leases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,540&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,723&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Receivable on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,756&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,277&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit cards receivables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,179&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,928&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,371&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impaired assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,577&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,731&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,094&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,058,446&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,076,194&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,059,137&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Geographical area&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;198,894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;198,164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;203,680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Rest of Europe &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;467,697&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;502,664&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;489,706&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;of which United Kingdom&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;258,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;266,934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;263,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;The Americas&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;374,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;359,264&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;350,873&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;of which USA&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;135,088&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;136,054&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;126,529&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;of which Brazil&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;90,951&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;91,066&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;100,758&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,878&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,058,446&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,076,194&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,059,137&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate formula&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fixed rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;694,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;678,994&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;647,349&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Floating rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;364,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;397,200&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;411,788&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,058,446&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,076,194&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,059,137&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfLoansAndAdvancesToCustomersBreakdownTableTextBlock>
    <ifrs-full:FinancialAssets contextRef="c-1283" decimals="-6" id="f-3005" unitRef="eur">51110000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1284" decimals="-6" id="f-3006" unitRef="eur">53209000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1285" decimals="-6" id="f-3007" unitRef="eur">55628000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1286" decimals="-6" id="f-3008" unitRef="eur">530749000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1287" decimals="-6" id="f-3009" unitRef="eur">557463000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1288" decimals="-6" id="f-3010" unitRef="eur">554375000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1289" decimals="-6" id="f-3011" unitRef="eur">73980000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1290" decimals="-6" id="f-3012" unitRef="eur">59648000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1291" decimals="-6" id="f-3013" unitRef="eur">44184000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1292" decimals="-6" id="f-3014" unitRef="eur">295998000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1293" decimals="-6" id="f-3015" unitRef="eur">296339000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1294" decimals="-6" id="f-3016" unitRef="eur">295485000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1295" decimals="-6" id="f-3017" unitRef="eur">38540000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1296" decimals="-6" id="f-3018" unitRef="eur">40120000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1297" decimals="-6" id="f-3019" unitRef="eur">38723000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1298" decimals="-6" id="f-3020" unitRef="eur">10313000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1299" decimals="-6" id="f-3021" unitRef="eur">10756000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1300" decimals="-6" id="f-3022" unitRef="eur">12277000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1301" decimals="-6" id="f-3023" unitRef="eur">26179000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1302" decimals="-6" id="f-3024" unitRef="eur">24928000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1303" decimals="-6" id="f-3025" unitRef="eur">24371000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1304" decimals="-6" id="f-3026" unitRef="eur">31577000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1305" decimals="-6" id="f-3027" unitRef="eur">33731000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1306" decimals="-6" id="f-3028" unitRef="eur">34094000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1307" decimals="-6" id="f-3029" unitRef="eur">1058446000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1308" decimals="-6" id="f-3030" unitRef="eur">1076194000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1309" decimals="-6" id="f-3031" unitRef="eur">1059137000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1310" decimals="-6" id="f-3032" unitRef="eur">198894000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1311" decimals="-6" id="f-3033" unitRef="eur">198164000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1312" decimals="-6" id="f-3034" unitRef="eur">203680000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1313" decimals="-6" id="f-3035" unitRef="eur">467697000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1314" decimals="-6" id="f-3036" unitRef="eur">502664000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1315" decimals="-6" id="f-3037" unitRef="eur">489706000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1316" decimals="-6" id="f-3038" unitRef="eur">258739000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1317" decimals="-6" id="f-3039" unitRef="eur">266934000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1318" decimals="-6" id="f-3040" unitRef="eur">263808000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1319" decimals="-6" id="f-3041" unitRef="eur">374739000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1320" decimals="-6" id="f-3042" unitRef="eur">359264000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1321" decimals="-6" id="f-3043" unitRef="eur">350873000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1322" decimals="-6" id="f-3044" unitRef="eur">135088000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1323" decimals="-6" id="f-3045" unitRef="eur">136054000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1324" decimals="-6" id="f-3046" unitRef="eur">126529000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1325" decimals="-6" id="f-3047" unitRef="eur">90951000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1326" decimals="-6" id="f-3048" unitRef="eur">91066000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1327" decimals="-6" id="f-3049" unitRef="eur">100758000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1328" decimals="-6" id="f-3050" unitRef="eur">17116000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1329" decimals="-6" id="f-3051" unitRef="eur">16102000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1330" decimals="-6" id="f-3052" unitRef="eur">14878000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1307" decimals="-6" id="f-3053" unitRef="eur">1058446000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1308" decimals="-6" id="f-3054" unitRef="eur">1076194000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1309" decimals="-6" id="f-3055" unitRef="eur">1059137000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1331" decimals="-6" id="f-3056" unitRef="eur">694332000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1332" decimals="-6" id="f-3057" unitRef="eur">678994000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1333" decimals="-6" id="f-3058" unitRef="eur">647349000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1334" decimals="-6" id="f-3059" unitRef="eur">364114000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1335" decimals="-6" id="f-3060" unitRef="eur">397200000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1336" decimals="-6" id="f-3061" unitRef="eur">411788000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1307" decimals="-6" id="f-3062" unitRef="eur">1058446000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1308" decimals="-6" id="f-3063" unitRef="eur">1076194000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1309" decimals="-6" id="f-3064" unitRef="eur">1059137000000</ifrs-full:FinancialAssets>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-1337" decimals="-6" id="f-3065" unitRef="eur">18127000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-1338" decimals="-6" id="f-3066" unitRef="eur">16562000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-1339" decimals="-6" id="f-3067" unitRef="eur">15544000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-1340" decimals="-6" id="f-3068" unitRef="eur">16248000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-1341" decimals="-6" id="f-3069" unitRef="eur">13593000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-1342" decimals="-6" id="f-3070" unitRef="eur">11530000000</ifrs-full:LoansAndAdvancesToCustomers>
    <san:CreditExposurePercentage
      contextRef="c-1343"
      decimals="3"
      id="f-3071"
      unitRef="number">0.036</san:CreditExposurePercentage>
    <san:CreditExposurePercentage
      contextRef="c-1344"
      decimals="3"
      id="f-3072"
      unitRef="number">0.264</san:CreditExposurePercentage>
    <san:CreditExposurePercentage
      contextRef="c-1345"
      decimals="3"
      id="f-3073"
      unitRef="number">0.256</san:CreditExposurePercentage>
    <san:CreditExposurePercentage
      contextRef="c-1346"
      decimals="3"
      id="f-3074"
      unitRef="number">0.275</san:CreditExposurePercentage>
    <san:CreditExposurePercentage
      contextRef="c-1347"
      decimals="3"
      id="f-3075"
      unitRef="number">0.164</san:CreditExposurePercentage>
    <san:CreditExposurePercentage
      contextRef="c-1348"
      decimals="3"
      id="f-3076"
      unitRef="number">0.005</san:CreditExposurePercentage>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-1349" decimals="-6" id="f-3077" unitRef="eur">1024071000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-1350" decimals="-6" id="f-3078" unitRef="eur">1046039000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-1351" decimals="-6" id="f-3079" unitRef="eur">1032063000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-1352" decimals="-6" id="f-3080" unitRef="eur">954533000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-1353" decimals="-6" id="f-3081" unitRef="eur">1012389000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-1354" decimals="-6" id="f-3082" unitRef="eur">998010000000</ifrs-full:LoansAndAdvancesToCustomers>
    <san:DisclosureOfLoansAndAdvancesToCustomersInDetailByActivityTableTextBlock contextRef="c-1" id="f-3083">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following is a detail, by activity, of the loans to customers at 31 December 2025, net of impairment losses:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:28.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.460%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="33" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="24" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Secured loans&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan to value ratio&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Without &lt;br/&gt;collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of&#160;which&lt;br/&gt;property&lt;br/&gt;&#160;collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of&#160;which&lt;br/&gt;other&lt;br/&gt;&#160;collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Less than or&#160;equal to 40%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&lt;br/&gt;than 40%&#160;and less&#160;than or&#160;equal&lt;br/&gt;to 60%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&lt;br/&gt;than 60%&#160;and less&#160;than or&#160;equal&lt;br/&gt;to 80%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&lt;br/&gt;than 80%&#160;and less&#160;than or&#160;equal&lt;br/&gt;to 100%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than 100%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Public sector&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,607&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,423&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,031&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;157&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;168&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;251&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;334&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;274&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial institutions (financial business activity)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;124,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,687&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,959&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80,038&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,045&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;995&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;424&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;77,935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;598&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-financial corporations and individual entrepreneurs (non-financial business activity) (broken down by purpose)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;318,284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;179,529&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;63,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;75,631&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,917&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,942&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,168&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45,306&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,422&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Construction and property development&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17,118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15,594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,963&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,921&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,890&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;886&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Civil engineering construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,522&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,732&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;771&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;93&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;84&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;470&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;104&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Large companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;181,870&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;128,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17,718&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;35,650&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,666&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,157&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25,459&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,909&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;SMEs and individual entrepreneurs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;116,774&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;48,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;29,793&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;38,980&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,082&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;18,213&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,523&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Households&#160;&#x2013; other (broken down by purpose) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;542,623&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;108,903&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;338,778&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;94,942&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;100,584&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;126,917&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;113,075&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55,214&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37,930&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Residential&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;332,931&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,149&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;331,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;127&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;90,170&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;116,264&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;97,858&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25,944&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Consumer loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;192,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;104,388&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,667&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;86,521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,909&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,063&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;24,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;35,942&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other purposes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17,116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,456&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,590&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,920&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;442&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,015,198&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;359,542&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;404,014&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;251,642&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;126,703&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;155,022&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;132,918&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;178,789&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;62,224&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Memorandum item&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Refinanced and restructured transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,896&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,347&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,037&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,457&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,383&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;In addition, the Group has granted advances to customers am&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;ounting to EUR 22,090 million, bringing the total of loans and advances to EUR 1,037,288 million.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Includes the net balance of the impairment of the accumulated value or accumulated losses in the fair value due to credit risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;The ratio is the carrying amount of the transactions at 31 December 2025 provided by the latest available appraisal value of the collateral.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfLoansAndAdvancesToCustomersInDetailByActivityTableTextBlock>
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    <san:LoansToCustomersNetOfImpairmentLosses contextRef="c-1451" decimals="-6" id="f-3180" unitRef="eur">1920000000</san:LoansToCustomersNetOfImpairmentLosses>
    <san:LoansToCustomersNetOfImpairmentLosses contextRef="c-1452" decimals="-6" id="f-3181" unitRef="eur">4293000000</san:LoansToCustomersNetOfImpairmentLosses>
    <san:LoansToCustomersNetOfImpairmentLosses contextRef="c-1453" decimals="-6" id="f-3182" unitRef="eur">442000000</san:LoansToCustomersNetOfImpairmentLosses>
    <san:LoansToCustomersNetOfImpairmentLosses contextRef="c-2" decimals="-6" id="f-3183" unitRef="eur">1015198000000</san:LoansToCustomersNetOfImpairmentLosses>
    <san:LoansToCustomersNetOfImpairmentLosses contextRef="c-1454" decimals="-6" id="f-3184" unitRef="eur">359542000000</san:LoansToCustomersNetOfImpairmentLosses>
    <san:LoansToCustomersNetOfImpairmentLosses contextRef="c-1455" decimals="-6" id="f-3185" unitRef="eur">404014000000</san:LoansToCustomersNetOfImpairmentLosses>
    <san:LoansToCustomersNetOfImpairmentLosses contextRef="c-1456" decimals="-6" id="f-3186" unitRef="eur">251642000000</san:LoansToCustomersNetOfImpairmentLosses>
    <san:LoansToCustomersNetOfImpairmentLosses contextRef="c-1457" decimals="-6" id="f-3187" unitRef="eur">126703000000</san:LoansToCustomersNetOfImpairmentLosses>
    <san:LoansToCustomersNetOfImpairmentLosses contextRef="c-1458" decimals="-6" id="f-3188" unitRef="eur">155022000000</san:LoansToCustomersNetOfImpairmentLosses>
    <san:LoansToCustomersNetOfImpairmentLosses contextRef="c-1459" decimals="-6" id="f-3189" unitRef="eur">132918000000</san:LoansToCustomersNetOfImpairmentLosses>
    <san:LoansToCustomersNetOfImpairmentLosses contextRef="c-1460" decimals="-6" id="f-3190" unitRef="eur">178789000000</san:LoansToCustomersNetOfImpairmentLosses>
    <san:LoansToCustomersNetOfImpairmentLosses contextRef="c-1461" decimals="-6" id="f-3191" unitRef="eur">62224000000</san:LoansToCustomersNetOfImpairmentLosses>
    <san:RefinancedAndRestructuredTransactions contextRef="c-2" decimals="-6" id="f-3192" unitRef="eur">18151000000</san:RefinancedAndRestructuredTransactions>
    <san:RefinancedAndRestructuredTransactions contextRef="c-1454" decimals="-6" id="f-3193" unitRef="eur">5546000000</san:RefinancedAndRestructuredTransactions>
    <san:RefinancedAndRestructuredTransactions contextRef="c-1455" decimals="-6" id="f-3194" unitRef="eur">6896000000</san:RefinancedAndRestructuredTransactions>
    <san:RefinancedAndRestructuredTransactions contextRef="c-1456" decimals="-6" id="f-3195" unitRef="eur">5709000000</san:RefinancedAndRestructuredTransactions>
    <san:RefinancedAndRestructuredTransactions contextRef="c-1457" decimals="-6" id="f-3196" unitRef="eur">2347000000</san:RefinancedAndRestructuredTransactions>
    <san:RefinancedAndRestructuredTransactions contextRef="c-1458" decimals="-6" id="f-3197" unitRef="eur">2381000000</san:RefinancedAndRestructuredTransactions>
    <san:RefinancedAndRestructuredTransactions contextRef="c-1459" decimals="-6" id="f-3198" unitRef="eur">2037000000</san:RefinancedAndRestructuredTransactions>
    <san:RefinancedAndRestructuredTransactions contextRef="c-1460" decimals="-6" id="f-3199" unitRef="eur">2457000000</san:RefinancedAndRestructuredTransactions>
    <san:RefinancedAndRestructuredTransactions contextRef="c-1461" decimals="-6" id="f-3200" unitRef="eur">3383000000</san:RefinancedAndRestructuredTransactions>
    <san:AdvancesToCustomers contextRef="c-2" decimals="-6" id="f-3201" unitRef="eur">22090000000</san:AdvancesToCustomers>
    <ifrs-full:FinancialAssets contextRef="c-23" decimals="-6" id="f-3202" unitRef="eur">1037288000000</ifrs-full:FinancialAssets>
    <san:DisclosureOfMovementInGrossExposureByImpairmentStageTableTextBlock contextRef="c-1" id="f-3203">&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following is the movement of the gross exposure broken down by impairment stage of loans and advances to customers recognised under 'Financial assets at amortised cost' and 'Financial assets at fair value through other comprehensive income' during 2025, 2024 and 2023:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at the beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;925,413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;84,455&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,043,436&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Movements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(39,015)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39,015&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 1&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12,097)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,097&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8,266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,266&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16,079)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,764&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,764)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(441)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net changes on financial assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69,819&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12,940)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,436)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;52,443&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(54,818)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6,369)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,493)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(63,680)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at the end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;905,822&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;81,580&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,531&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,018,933&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.876%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at the beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;929,133&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76,654&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,821&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,039,608&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Movements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(49,316)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49,316&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 1&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11,517)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,517&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10,083)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,083&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,475&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(21,475)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,358&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,358)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;447&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(447)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net changes on financial assets &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11,616)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,889)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,776&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,212)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,212)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8,090)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(699)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(947)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9,736)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at the end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;925,413&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;84,455&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;33,568&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,043,436&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:39.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.025%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at the beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;942,861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;66,696&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,617&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,042,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Movements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(43,278)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12,636)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 3 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9,915)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,915&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,180&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15,180)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 2 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,899&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,899)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To stage 1 from stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;488&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#c3dee7;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(488)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net changes on financial assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,696&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10,673)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,218)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,805&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Write-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,847)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,847)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,178)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(451)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,524)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at the end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;929,133&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;76,654&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;33,821&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,039,608&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfMovementInGrossExposureByImpairmentStageTableTextBlock>
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    <san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets contextRef="c-1466" decimals="-6" id="f-3210" unitRef="eur">12097000000</san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets contextRef="c-1468" decimals="-6" id="f-3211" unitRef="eur">-12097000000</san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets>
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    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets contextRef="c-1468" decimals="-6" id="f-3213" unitRef="eur">-8266000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets contextRef="c-1466" decimals="-6" id="f-3214" unitRef="eur">-16079000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets contextRef="c-1467" decimals="-6" id="f-3215" unitRef="eur">16079000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets>
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    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets contextRef="c-1468" decimals="-6" id="f-3217" unitRef="eur">1764000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets contextRef="c-1466" decimals="-6" id="f-3218" unitRef="eur">-441000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets contextRef="c-1468" decimals="-6" id="f-3219" unitRef="eur">441000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets>
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    <san:NetChangesOnFinancialAssets contextRef="c-1467" decimals="-6" id="f-3221" unitRef="eur">12940000000</san:NetChangesOnFinancialAssets>
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    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1466" decimals="-6" id="f-3226" unitRef="eur">54818000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1467" decimals="-6" id="f-3227" unitRef="eur">6369000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1468" decimals="-6" id="f-3228" unitRef="eur">2493000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1469" decimals="-6" id="f-3229" unitRef="eur">63680000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
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    <ifrs-full:FinancialAssets contextRef="c-1473" decimals="-6" id="f-3233" unitRef="eur">-1018933000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1474" decimals="-6" id="f-3234" unitRef="eur">-929133000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1475" decimals="-6" id="f-3235" unitRef="eur">-76654000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1476" decimals="-6" id="f-3236" unitRef="eur">-33821000000</ifrs-full:FinancialAssets>
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    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1479" decimals="-6" id="f-3257" unitRef="eur">699000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1480" decimals="-6" id="f-3258" unitRef="eur">947000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
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    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1487" decimals="-6" id="f-3287" unitRef="eur">451000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1488" decimals="-6" id="f-3288" unitRef="eur">-105000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1489" decimals="-6" id="f-3289" unitRef="eur">3524000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1474" decimals="-6" id="f-3290" unitRef="eur">-929133000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1475" decimals="-6" id="f-3291" unitRef="eur">-76654000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1476" decimals="-6" id="f-3292" unitRef="eur">-33821000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1477" decimals="-6" id="f-3293" unitRef="eur">-1039608000000</ifrs-full:FinancialAssets>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-1490" decimals="-6" id="f-3294" unitRef="eur">307000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-1491" decimals="-6" id="f-3295" unitRef="eur">515000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-1492" decimals="-6" id="f-3296" unitRef="eur">694000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk contextRef="c-1493" decimals="-6" id="f-3297" unitRef="eur">46000000</ifrs-full:MaximumExposureToCreditRisk>
    <san:DisclosureOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock contextRef="c-1" id="f-3298">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in the impairment losses on the assets making up the balances of financial assets at amortised cost and at fair value through other comprehensive income - Loans and advances - Customers:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Amount at beginning of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,788&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment losses charged to income for the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,144&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,805&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Impairment losses charged to profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;24,935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20,608&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Impairment losses reversed with a credit to profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(10,791)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(9,333)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6,803)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Change of perimeter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(48)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Write-off of impaired balances against recorded impairment allowance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,266)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,212)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,847)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,845)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(879)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;194&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Amount at end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21,158&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;22,125&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;22,788&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Which correspond to:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Impaired assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,527&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,088&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,631&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,037&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Individually calculated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,951&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Collective calculated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;18,799&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,837&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock>
    <ifrs-full:FinancialAssets contextRef="c-1494" decimals="-6" id="f-3299" unitRef="eur">-22125000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1495" decimals="-6" id="f-3300" unitRef="eur">-22788000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1496" decimals="-6" id="f-3301" unitRef="eur">-22684000000</ifrs-full:FinancialAssets>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1497" decimals="-6" id="f-3302" unitRef="eur">14144000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1498" decimals="-6" id="f-3303" unitRef="eur">13428000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1499" decimals="-6" id="f-3304" unitRef="eur">13805000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLoss contextRef="c-1497" decimals="-6" id="f-3305" unitRef="eur">24935000000</ifrs-full:ImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLoss contextRef="c-1498" decimals="-6" id="f-3306" unitRef="eur">22761000000</ifrs-full:ImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLoss contextRef="c-1499" decimals="-6" id="f-3307" unitRef="eur">20608000000</ifrs-full:ImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1497" decimals="-6" id="f-3308" unitRef="eur">10791000000</ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1498" decimals="-6" id="f-3309" unitRef="eur">9333000000</ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1499" decimals="-6" id="f-3310" unitRef="eur">6803000000</ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <san:IncreaseDecreaseThroughOtherChangesFinancialAssets contextRef="c-1497" decimals="-6" id="f-3311" unitRef="eur">0</san:IncreaseDecreaseThroughOtherChangesFinancialAssets>
    <san:IncreaseDecreaseThroughOtherChangesFinancialAssets contextRef="c-1498" decimals="-6" id="f-3312" unitRef="eur">0</san:IncreaseDecreaseThroughOtherChangesFinancialAssets>
    <san:IncreaseDecreaseThroughOtherChangesFinancialAssets contextRef="c-1499" decimals="-6" id="f-3313" unitRef="eur">48000000</san:IncreaseDecreaseThroughOtherChangesFinancialAssets>
    <ifrs-full:DecreaseThroughDerecognitionFinancialAssets contextRef="c-1497" decimals="-6" id="f-3314" unitRef="eur">-13266000000</ifrs-full:DecreaseThroughDerecognitionFinancialAssets>
    <ifrs-full:DecreaseThroughDerecognitionFinancialAssets contextRef="c-1498" decimals="-6" id="f-3315" unitRef="eur">-13212000000</ifrs-full:DecreaseThroughDerecognitionFinancialAssets>
    <ifrs-full:DecreaseThroughDerecognitionFinancialAssets contextRef="c-1499" decimals="-6" id="f-3316" unitRef="eur">-13847000000</ifrs-full:DecreaseThroughDerecognitionFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1497" decimals="-6" id="f-3317" unitRef="eur">1845000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1498" decimals="-6" id="f-3318" unitRef="eur">879000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1499" decimals="-6" id="f-3319" unitRef="eur">-194000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1500" decimals="-6" id="f-3320" unitRef="eur">-21158000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1494" decimals="-6" id="f-3321" unitRef="eur">-22125000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1495" decimals="-6" id="f-3322" unitRef="eur">-22788000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1501" decimals="-6" id="f-3323" unitRef="eur">-13527000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1502" decimals="-6" id="f-3324" unitRef="eur">-14088000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1503" decimals="-6" id="f-3325" unitRef="eur">-14238000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1504" decimals="-6" id="f-3326" unitRef="eur">-7631000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1505" decimals="-6" id="f-3327" unitRef="eur">-8037000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1506" decimals="-6" id="f-3328" unitRef="eur">-8550000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1507" decimals="-6" id="f-3329" unitRef="eur">-2359000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1508" decimals="-6" id="f-3330" unitRef="eur">-2258000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1509" decimals="-6" id="f-3331" unitRef="eur">-2951000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1510" decimals="-6" id="f-3332" unitRef="eur">-18799000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1511" decimals="-6" id="f-3333" unitRef="eur">-19867000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1512" decimals="-6" id="f-3334" unitRef="eur">-19837000000</ifrs-full:FinancialAssets>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1194" decimals="-6" id="f-3335" unitRef="eur">182000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1195" decimals="-6" id="f-3336" unitRef="eur">226000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1196" decimals="-6" id="f-3337" unitRef="eur">24000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1513" decimals="-6" id="f-3338" unitRef="eur">1791000000</ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1514" decimals="-6" id="f-3339" unitRef="eur">1600000000</ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1515" decimals="-6" id="f-3340" unitRef="eur">1587000000</ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1513" decimals="-6" id="f-3341" unitRef="eur">12535000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1514" decimals="-6" id="f-3342" unitRef="eur">12136000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="c-1515" decimals="-6" id="f-3343" unitRef="eur">12298000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:FinancialAssets contextRef="c-1516" decimals="-6" id="f-3344" unitRef="eur">-3293000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1517" decimals="-6" id="f-3345" unitRef="eur">-4744000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1518" decimals="-6" id="f-3346" unitRef="eur">-14088000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1519" decimals="-6" id="f-3347" unitRef="eur">-22125000000</ifrs-full:FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets contextRef="c-1520" decimals="-6" id="f-3348" unitRef="eur">847000000</san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets contextRef="c-1521" decimals="-6" id="f-3349" unitRef="eur">-2734000000</san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets contextRef="c-1522" decimals="-6" id="f-3350" unitRef="eur">-1887000000</san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets contextRef="c-1520" decimals="-6" id="f-3351" unitRef="eur">701000000</san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets contextRef="c-1523" decimals="-6" id="f-3352" unitRef="eur">-4931000000</san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets contextRef="c-1522" decimals="-6" id="f-3353" unitRef="eur">-4230000000</san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets contextRef="c-1521" decimals="-6" id="f-3354" unitRef="eur">1189000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets contextRef="c-1523" decimals="-6" id="f-3355" unitRef="eur">-2760000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets contextRef="c-1522" decimals="-6" id="f-3356" unitRef="eur">-1571000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets contextRef="c-1520" decimals="-6" id="f-3357" unitRef="eur">-82000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets contextRef="c-1521" decimals="-6" id="f-3358" unitRef="eur">466000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets contextRef="c-1522" decimals="-6" id="f-3359" unitRef="eur">384000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets contextRef="c-1521" decimals="-6" id="f-3360" unitRef="eur">-177000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets contextRef="c-1523" decimals="-6" id="f-3361" unitRef="eur">344000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets contextRef="c-1522" decimals="-6" id="f-3362" unitRef="eur">167000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets contextRef="c-1520" decimals="-6" id="f-3363" unitRef="eur">-16000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets contextRef="c-1523" decimals="-6" id="f-3364" unitRef="eur">59000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets contextRef="c-1522" decimals="-6" id="f-3365" unitRef="eur">43000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets contextRef="c-1520" decimals="-6" id="f-3366" unitRef="eur">-1269000000</ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets contextRef="c-1521" decimals="-6" id="f-3367" unitRef="eur">800000000</ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets contextRef="c-1523" decimals="-6" id="f-3368" unitRef="eur">-6581000000</ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets contextRef="c-1522" decimals="-6" id="f-3369" unitRef="eur">-7050000000</ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets>
    <ifrs-full:DecreaseThroughDerecognitionFinancialAssets contextRef="c-1523" decimals="-6" id="f-3370" unitRef="eur">-13266000000</ifrs-full:DecreaseThroughDerecognitionFinancialAssets>
    <ifrs-full:DecreaseThroughDerecognitionFinancialAssets contextRef="c-1522" decimals="-6" id="f-3371" unitRef="eur">-13266000000</ifrs-full:DecreaseThroughDerecognitionFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1520" decimals="-6" id="f-3372" unitRef="eur">112000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1521" decimals="-6" id="f-3373" unitRef="eur">569000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1523" decimals="-6" id="f-3374" unitRef="eur">1164000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1522" decimals="-6" id="f-3375" unitRef="eur">1845000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1524" decimals="-6" id="f-3376" unitRef="eur">-3000000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1525" decimals="-6" id="f-3377" unitRef="eur">-4631000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1526" decimals="-6" id="f-3378" unitRef="eur">-13527000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1527" decimals="-6" id="f-3379" unitRef="eur">-21158000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1528" decimals="-6" id="f-3380" unitRef="eur">-3596000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1529" decimals="-6" id="f-3381" unitRef="eur">-4954000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1530" decimals="-6" id="f-3382" unitRef="eur">-14238000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1531" decimals="-6" id="f-3383" unitRef="eur">-22788000000</ifrs-full:FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets contextRef="c-1532" decimals="-6" id="f-3384" unitRef="eur">626000000</san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets contextRef="c-1533" decimals="-6" id="f-3385" unitRef="eur">-2676000000</san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets contextRef="c-1534" decimals="-6" id="f-3386" unitRef="eur">-2050000000</san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets contextRef="c-1532" decimals="-6" id="f-3387" unitRef="eur">385000000</san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets contextRef="c-1535" decimals="-6" id="f-3388" unitRef="eur">-4548000000</san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets contextRef="c-1534" decimals="-6" id="f-3389" unitRef="eur">-4163000000</san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets contextRef="c-1533" decimals="-6" id="f-3390" unitRef="eur">1591000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets contextRef="c-1535" decimals="-6" id="f-3391" unitRef="eur">-3444000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets contextRef="c-1534" decimals="-6" id="f-3392" unitRef="eur">-1853000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets contextRef="c-1532" decimals="-6" id="f-3393" unitRef="eur">-109000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets contextRef="c-1533" decimals="-6" id="f-3394" unitRef="eur">725000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets contextRef="c-1534" decimals="-6" id="f-3395" unitRef="eur">616000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets contextRef="c-1533" decimals="-6" id="f-3396" unitRef="eur">-278000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets contextRef="c-1535" decimals="-6" id="f-3397" unitRef="eur">693000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets contextRef="c-1534" decimals="-6" id="f-3398" unitRef="eur">415000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets contextRef="c-1532" decimals="-6" id="f-3399" unitRef="eur">-23000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets contextRef="c-1535" decimals="-6" id="f-3400" unitRef="eur">156000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets contextRef="c-1534" decimals="-6" id="f-3401" unitRef="eur">133000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets contextRef="c-1532" decimals="-6" id="f-3402" unitRef="eur">-755000000</ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets contextRef="c-1533" decimals="-6" id="f-3403" unitRef="eur">704000000</ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets contextRef="c-1535" decimals="-6" id="f-3404" unitRef="eur">-6655000000</ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets contextRef="c-1534" decimals="-6" id="f-3405" unitRef="eur">-6706000000</ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets>
    <ifrs-full:DecreaseThroughDerecognitionFinancialAssets contextRef="c-1535" decimals="-6" id="f-3406" unitRef="eur">-13212000000</ifrs-full:DecreaseThroughDerecognitionFinancialAssets>
    <ifrs-full:DecreaseThroughDerecognitionFinancialAssets contextRef="c-1534" decimals="-6" id="f-3407" unitRef="eur">-13212000000</ifrs-full:DecreaseThroughDerecognitionFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1532" decimals="-6" id="f-3408" unitRef="eur">179000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1533" decimals="-6" id="f-3409" unitRef="eur">144000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1535" decimals="-6" id="f-3410" unitRef="eur">736000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1534" decimals="-6" id="f-3411" unitRef="eur">1059000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1516" decimals="-6" id="f-3412" unitRef="eur">-3293000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1517" decimals="-6" id="f-3413" unitRef="eur">-4744000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1518" decimals="-6" id="f-3414" unitRef="eur">-14088000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1519" decimals="-6" id="f-3415" unitRef="eur">-22125000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1536" decimals="-6" id="f-3416" unitRef="eur">-3626000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1537" decimals="-6" id="f-3417" unitRef="eur">-5127000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1538" decimals="-6" id="f-3418" unitRef="eur">-13931000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1539" decimals="-6" id="f-3419" unitRef="eur">-22684000000</ifrs-full:FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets contextRef="c-1540" decimals="-6" id="f-3420" unitRef="eur">696000000</san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets contextRef="c-1541" decimals="-6" id="f-3421" unitRef="eur">-2954000000</san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets contextRef="c-1542" decimals="-6" id="f-3422" unitRef="eur">-2258000000</san:IncreaseDecreaseThroughTransfersFromStage1ToStage2FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets contextRef="c-1540" decimals="-6" id="f-3423" unitRef="eur">405000000</san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets contextRef="c-1543" decimals="-6" id="f-3424" unitRef="eur">-4278000000</san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets contextRef="c-1542" decimals="-6" id="f-3425" unitRef="eur">-3873000000</san:IncreaseDecreaseThroughTransfersFromStage1ToStage3FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets contextRef="c-1541" decimals="-6" id="f-3426" unitRef="eur">1820000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets contextRef="c-1543" decimals="-6" id="f-3427" unitRef="eur">-3721000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets contextRef="c-1542" decimals="-6" id="f-3428" unitRef="eur">-1901000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage3FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets contextRef="c-1540" decimals="-6" id="f-3429" unitRef="eur">-149000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets contextRef="c-1541" decimals="-6" id="f-3430" unitRef="eur">905000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets contextRef="c-1542" decimals="-6" id="f-3431" unitRef="eur">756000000</san:IncreaseDecreaseThroughTransfersFromStage2ToStage1FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets contextRef="c-1541" decimals="-6" id="f-3432" unitRef="eur">-282000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets contextRef="c-1543" decimals="-6" id="f-3433" unitRef="eur">920000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets contextRef="c-1542" decimals="-6" id="f-3434" unitRef="eur">638000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage2FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets contextRef="c-1540" decimals="-6" id="f-3435" unitRef="eur">-27000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets contextRef="c-1543" decimals="-6" id="f-3436" unitRef="eur">184000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets>
    <san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets contextRef="c-1542" decimals="-6" id="f-3437" unitRef="eur">157000000</san:IncreaseDecreaseThroughTransfersFromStage3ToStage1FinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets contextRef="c-1540" decimals="-6" id="f-3438" unitRef="eur">-875000000</ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets contextRef="c-1541" decimals="-6" id="f-3439" unitRef="eur">557000000</ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets contextRef="c-1543" decimals="-6" id="f-3440" unitRef="eur">-7212000000</ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets contextRef="c-1542" decimals="-6" id="f-3441" unitRef="eur">-7530000000</ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets>
    <ifrs-full:DecreaseThroughDerecognitionFinancialAssets contextRef="c-1543" decimals="-6" id="f-3442" unitRef="eur">-13847000000</ifrs-full:DecreaseThroughDerecognitionFinancialAssets>
    <ifrs-full:DecreaseThroughDerecognitionFinancialAssets contextRef="c-1542" decimals="-6" id="f-3443" unitRef="eur">-13847000000</ifrs-full:DecreaseThroughDerecognitionFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1540" decimals="-6" id="f-3444" unitRef="eur">-20000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1541" decimals="-6" id="f-3445" unitRef="eur">127000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1543" decimals="-6" id="f-3446" unitRef="eur">-47000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1542" decimals="-6" id="f-3447" unitRef="eur">60000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1528" decimals="-6" id="f-3448" unitRef="eur">-3596000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1529" decimals="-6" id="f-3449" unitRef="eur">-4954000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1530" decimals="-6" id="f-3450" unitRef="eur">-14238000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1531" decimals="-6" id="f-3451" unitRef="eur">-22788000000</ifrs-full:FinancialAssets>
    <san:DisclosureOfChangesInBalanceOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock contextRef="c-1" id="f-3452">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of the changes in the balance of the financial assets classified as 'Financial assets Loans to customers' considered to be impaired due to credit risk is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.643%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,731&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,094&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,888&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,648&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,779&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,944&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Written-off assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,266)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,212)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,847)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the scope of consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(59)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,536)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(947)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;168&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,577&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;33,731&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34,094&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfChangesInBalanceOfImpairmentLossAndAllowanceForLoansAndAdvancesToCustomersTableTextBlock>
    <ifrs-full:FinancialAssets contextRef="c-1544" decimals="-6" id="f-3453" unitRef="eur">33731000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1545" decimals="-6" id="f-3454" unitRef="eur">34094000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1546" decimals="-6" id="f-3455" unitRef="eur">32888000000</ifrs-full:FinancialAssets>
    <ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets contextRef="c-1547" decimals="-6" id="f-3456" unitRef="eur">13648000000</ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets>
    <ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets contextRef="c-1548" decimals="-6" id="f-3457" unitRef="eur">13779000000</ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets>
    <ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets contextRef="c-1549" decimals="-6" id="f-3458" unitRef="eur">14944000000</ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets>
    <ifrs-full:DecreaseThroughDerecognitionFinancialAssets contextRef="c-1547" decimals="-6" id="f-3459" unitRef="eur">13266000000</ifrs-full:DecreaseThroughDerecognitionFinancialAssets>
    <ifrs-full:DecreaseThroughDerecognitionFinancialAssets contextRef="c-1548" decimals="-6" id="f-3460" unitRef="eur">13212000000</ifrs-full:DecreaseThroughDerecognitionFinancialAssets>
    <ifrs-full:DecreaseThroughDerecognitionFinancialAssets contextRef="c-1549" decimals="-6" id="f-3461" unitRef="eur">13847000000</ifrs-full:DecreaseThroughDerecognitionFinancialAssets>
    <san:IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets contextRef="c-1547" decimals="-6" id="f-3462" unitRef="eur">0</san:IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets>
    <san:IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets contextRef="c-1548" decimals="-6" id="f-3463" unitRef="eur">17000000</san:IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets>
    <san:IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets contextRef="c-1549" decimals="-6" id="f-3464" unitRef="eur">-59000000</san:IncreaseDecreaseThroughChangesInScopeOfConsolidationFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1547" decimals="-6" id="f-3465" unitRef="eur">-2536000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1548" decimals="-6" id="f-3466" unitRef="eur">-947000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets contextRef="c-1549" decimals="-6" id="f-3467" unitRef="eur">168000000</ifrs-full:IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1550" decimals="-6" id="f-3468" unitRef="eur">31577000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1544" decimals="-6" id="f-3469" unitRef="eur">33731000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets contextRef="c-1545" decimals="-6" id="f-3470" unitRef="eur">34094000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding contextRef="c-1551" decimals="-6" id="f-3471" unitRef="eur">51435000000</ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding>
    <ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding contextRef="c-1552" decimals="-6" id="f-3472" unitRef="eur">49939000000</ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding>
    <ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding contextRef="c-1553" decimals="-6" id="f-3473" unitRef="eur">48138000000</ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding>
    <san:DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedWithOrWithoutCollateralTableTextBlock contextRef="c-1" id="f-3474">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Set forth below for each class of impaired asset are the gross amount, associated allowances and information relating to the collateral and/or other credit enhancements obtained at 31 December 2025:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:41.801%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.109%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.346%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross&lt;br/&gt;amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Allowance recognised&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Estimated collateral&lt;br/&gt;value&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Without associated real collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,846&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,133&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;With real estate collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,777&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,759&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;With other collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,635&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,424&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,577&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,527&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,081&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Including the estimated value of the collateral associated with each loan. Accordingly, any other cash flows that may be obtained, such as those arising from borrowers&#x2019; personal guarantees, are not included.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfFinancialAssetsThatAreEitherPastDueOrImpairedWithOrWithoutCollateralTableTextBlock>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-1554" decimals="-6" id="f-3475" unitRef="eur">13846000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-1555" decimals="-6" id="f-3476" unitRef="eur">-8133000000</ifrs-full:LoansAndAdvancesToCustomers>
    <san:EstimatedCollateralHeldValue contextRef="c-1556" decimals="-6" id="f-3477" unitRef="eur">0</san:EstimatedCollateralHeldValue>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-1557" decimals="-6" id="f-3478" unitRef="eur">7777000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-1558" decimals="-6" id="f-3479" unitRef="eur">-1759000000</ifrs-full:LoansAndAdvancesToCustomers>
    <san:EstimatedCollateralHeldValue contextRef="c-1559" decimals="-6" id="f-3480" unitRef="eur">5657000000</san:EstimatedCollateralHeldValue>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-1560" decimals="-6" id="f-3481" unitRef="eur">9954000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-1561" decimals="-6" id="f-3482" unitRef="eur">-3635000000</ifrs-full:LoansAndAdvancesToCustomers>
    <san:EstimatedCollateralHeldValue contextRef="c-1562" decimals="-6" id="f-3483" unitRef="eur">5424000000</san:EstimatedCollateralHeldValue>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-1563" decimals="-6" id="f-3484" unitRef="eur">31577000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:LoansAndAdvancesToCustomers contextRef="c-1564" decimals="-6" id="f-3485" unitRef="eur">-13527000000</ifrs-full:LoansAndAdvancesToCustomers>
    <san:EstimatedCollateralHeldValue contextRef="c-1565" decimals="-6" id="f-3486" unitRef="eur">11081000000</san:EstimatedCollateralHeldValue>
    <ifrs-full:DisclosureOfTransfersOfFinancialAssetsExplanatory contextRef="c-1" id="f-3487">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The breakdown of securitized loans held on the balance sheet, according to the nature of the financial instrument in which they are originated, is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Retained on the balance sheet&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80,072&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80,824&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;75,738&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Securitised mortgage assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,640&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17,782&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16,994&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which: UK assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,236&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,034&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,096&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other securitised assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;60,432&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;63,042&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;58,744&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;80,072&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;80,824&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;75,738&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Note 22 details the liabilities associated with these securitisation transactions.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfTransfersOfFinancialAssetsExplanatory>
    <ifrs-full:AssetsThatEntityContinuesToRecognise contextRef="c-1566" decimals="-6" id="f-3488" unitRef="eur">80072000000</ifrs-full:AssetsThatEntityContinuesToRecognise>
    <ifrs-full:AssetsThatEntityContinuesToRecognise contextRef="c-1567" decimals="-6" id="f-3489" unitRef="eur">80824000000</ifrs-full:AssetsThatEntityContinuesToRecognise>
    <ifrs-full:AssetsThatEntityContinuesToRecognise contextRef="c-1568" decimals="-6" id="f-3490" unitRef="eur">75738000000</ifrs-full:AssetsThatEntityContinuesToRecognise>
    <ifrs-full:AssetsThatEntityContinuesToRecognise contextRef="c-1569" decimals="-6" id="f-3491" unitRef="eur">19640000000</ifrs-full:AssetsThatEntityContinuesToRecognise>
    <ifrs-full:AssetsThatEntityContinuesToRecognise contextRef="c-1570" decimals="-6" id="f-3492" unitRef="eur">17782000000</ifrs-full:AssetsThatEntityContinuesToRecognise>
    <ifrs-full:AssetsThatEntityContinuesToRecognise contextRef="c-1571" decimals="-6" id="f-3493" unitRef="eur">16994000000</ifrs-full:AssetsThatEntityContinuesToRecognise>
    <ifrs-full:AssetsThatEntityContinuesToRecognise contextRef="c-1572" decimals="-6" id="f-3494" unitRef="eur">10236000000</ifrs-full:AssetsThatEntityContinuesToRecognise>
    <ifrs-full:AssetsThatEntityContinuesToRecognise contextRef="c-1573" decimals="-6" id="f-3495" unitRef="eur">9034000000</ifrs-full:AssetsThatEntityContinuesToRecognise>
    <ifrs-full:AssetsThatEntityContinuesToRecognise contextRef="c-1574" decimals="-6" id="f-3496" unitRef="eur">6096000000</ifrs-full:AssetsThatEntityContinuesToRecognise>
    <ifrs-full:AssetsThatEntityContinuesToRecognise contextRef="c-1575" decimals="-6" id="f-3497" unitRef="eur">60432000000</ifrs-full:AssetsThatEntityContinuesToRecognise>
    <ifrs-full:AssetsThatEntityContinuesToRecognise contextRef="c-1576" decimals="-6" id="f-3498" unitRef="eur">63042000000</ifrs-full:AssetsThatEntityContinuesToRecognise>
    <ifrs-full:AssetsThatEntityContinuesToRecognise contextRef="c-1577" decimals="-6" id="f-3499" unitRef="eur">58744000000</ifrs-full:AssetsThatEntityContinuesToRecognise>
    <ifrs-full:AssetsThatEntityContinuesToRecognise contextRef="c-1566" decimals="-6" id="f-3500" unitRef="eur">80072000000</ifrs-full:AssetsThatEntityContinuesToRecognise>
    <ifrs-full:AssetsThatEntityContinuesToRecognise contextRef="c-1567" decimals="-6" id="f-3501" unitRef="eur">80824000000</ifrs-full:AssetsThatEntityContinuesToRecognise>
    <ifrs-full:AssetsThatEntityContinuesToRecognise contextRef="c-1568" decimals="-6" id="f-3502" unitRef="eur">75738000000</ifrs-full:AssetsThatEntityContinuesToRecognise>
    <ifrs-full:RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets contextRef="c-1566" decimals="-6" id="f-3503" unitRef="eur">12174000000</ifrs-full:RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets>
    <ifrs-full:RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets contextRef="c-1567" decimals="-6" id="f-3504" unitRef="eur">14919000000</ifrs-full:RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets>
    <ifrs-full:RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets contextRef="c-1568" decimals="-6" id="f-3505" unitRef="eur">13923000000</ifrs-full:RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets>
    <ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory contextRef="c-1" id="f-3506">Trading derivatives&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of the notional amounts and the market values of the trading derivatives held by the Group in 2025, 2024 and 2023 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:36.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.976%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Notional amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Market&lt;br/&gt;value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Notional amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Market&lt;br/&gt;value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Notional amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Market&lt;br/&gt;value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Trading derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Forward rate agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,995,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,992,413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;829,913&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,166,278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,324&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,127,812&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,381,966&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,514&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Options, futures and other derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;470,659&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(472)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;377,285&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(297)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;398,519&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit default swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64,924&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,135)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(572)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(86)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Foreign currency risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Foreign currency purchases and sales&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;611,850&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,282&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;514,268&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;595&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;471,955&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Foreign currency options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;160,421&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;221,159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;528&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;77,934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;288&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Currency swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;682,350&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;625,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(838)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;586,405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(581)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Securities and commodities derivatives and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;98,588&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(547)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;78,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68,664&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;619&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,250,140&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,387&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,978,141&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,347&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,837,818&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,739&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory>
    <san:DisclosureOfNotionalAmountAndMarketValueOfTradingDerivativesTableTextBlock contextRef="c-1" id="f-3507">&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of the notional amounts and the market values of the trading derivatives held by the Group in 2025, 2024 and 2023 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:36.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.976%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Notional amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Market&lt;br/&gt;value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Notional amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Market&lt;br/&gt;value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Notional amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Market&lt;br/&gt;value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Trading derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Forward rate agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,995,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,992,413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;829,913&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,166,278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,324&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,127,812&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,381,966&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,514&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Options, futures and other derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;470,659&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(472)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;377,285&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(297)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;398,519&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit default swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64,924&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,135)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(572)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(86)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Foreign currency risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Foreign currency purchases and sales&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;611,850&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,282&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;514,268&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;595&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;471,955&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Foreign currency options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;160,421&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;221,159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;528&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;77,934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;288&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Currency swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;682,350&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;625,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(838)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;586,405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(581)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Securities and commodities derivatives and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;98,588&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(547)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;78,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68,664&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;619&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,250,140&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,387&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,978,141&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,347&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,837,818&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,739&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfNotionalAmountAndMarketValueOfTradingDerivativesTableTextBlock>
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    <san:DerivativeFairValue contextRef="c-1593" decimals="-6" id="f-3539" unitRef="eur">441000000</san:DerivativeFairValue>
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    <san:DerivativeFairValue contextRef="c-1594" decimals="-6" id="f-3541" unitRef="eur">528000000</san:DerivativeFairValue>
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    <san:DerivativeFairValue contextRef="c-1599" decimals="-6" id="f-3551" unitRef="eur">-547000000</san:DerivativeFairValue>
    <ifrs-full:NotionalAmount contextRef="c-1600" decimals="-6" id="f-3552" unitRef="eur">78328000000</ifrs-full:NotionalAmount>
    <san:DerivativeFairValue contextRef="c-1600" decimals="-6" id="f-3553" unitRef="eur">554000000</san:DerivativeFairValue>
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    <san:DerivativeFairValue contextRef="c-1601" decimals="-6" id="f-3555" unitRef="eur">619000000</san:DerivativeFairValue>
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    <san:DerivativeFairValue contextRef="c-1602" decimals="-6" id="f-3557" unitRef="eur">6387000000</san:DerivativeFairValue>
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    <san:DisclosureOfNoncurrentAssetsAndLiabilitiesOrDisposalGroupsClassifiedAsHeldForSaleTextBlock contextRef="c-1" id="f-3562">Non-current assets held for sale and liabilities associated with non-current assets held for sale&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i58dfd1bfc42e43099cb305d5b0a4bff6"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Breakdown&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Non-current assets held for sale in the consolidated balance sheets is as follows: &lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,850&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,851&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,991&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 6.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Foreclosed assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,621&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which property assets in Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,705&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,896&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other tangible assets held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;363&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Entities held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;72,148&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,137&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 7pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;&#160;&#160;&#160;Caceis (Note 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;&#160;&#160;&#160;Santander Bank Polska S.A. (Note 3) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;72,148&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total non-current assets held for sale&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;75,011&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,002&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,014&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Entities held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Bank Polska S.A. (Note 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,995&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Liabilities associated with non-current assets held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;62,995&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, the provisions recognised for the total non current assets held for sale totalled EUR 2,357 million (EUR 2,606 million and EUR 2,956 million at 31 December 2024 and 2023, respectively). The charges recorded in those&#160;years amounted to EUR 131 million, EUR 163 million and EUR 139 million, respectively, and the recoveries during these exercises are amounted to EUR 59 million, EUR 71 million and EUR 88 million, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt;text-indent:-0.01pt"&gt;&lt;span id="ic4736ac6345b47268d4edadaef811743"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Assets and liabilities from entities held for sale&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following is the consolidated balance sheet and consolidated summary cash flow statements for the Polish business held for sale:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:84.393%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Condensed consolidated balance sheet&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash, cash balances at central banks and other deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,515&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,956&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,173&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at amortised cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55,642&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,335&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,224&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,303&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-right:1pt solid #ffffff;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;72,148&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:84.393%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Condensed consolidated balance sheet&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;842&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities at amortised cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;59,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;603&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;62,995&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:84.393%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Items that will not be reclassified to profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial gains or losses on defined benefit pension plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of equity instruments measured at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Items that may be reclassified to profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(590)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedges of net investments in foreign operations (effective portion)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(522)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(164)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash flow hedges (effective portion)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments at fair value with changes in other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Share in other income and expenses recognised in investments, joint ventures and associates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Condensed consolidated statements of cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;A) Cash flows from operating activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,405&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,705&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;352&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;B) Cash flows from investing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(98)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(96)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(91)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;C) Cash flows from financing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,301)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,194)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(591)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;D) Effect of foreign exchange rate differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;143&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;E) Net increase/(decrease) in cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;442&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(187)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, the  written-off assets totalled EUR 2,339 million from the Polish business held for sale.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Consistent with the Group&#xb4;s management model, the amounts related to the business held for sale in Poland are primarily reported within the Retail &amp;amp; Commercial Banking segment for primary segment information purposes. Additionally, a separate breakdown for the Poland geography is presented as a secondary segment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, see the consolidated summary profit and loss accounts for the business for sale in Poland in Note 37.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfNoncurrentAssetsAndLiabilitiesOrDisposalGroupsClassifiedAsHeldForSaleTextBlock>
    <san:ScheduleOfNoncurrentAssetsClassifiedAsHeldForSaleTableTextBlock contextRef="c-1" id="f-3563">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Non-current assets held for sale in the consolidated balance sheets is as follows: &lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,850&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,851&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,991&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 6.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Foreclosed assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,621&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which property assets in Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,705&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,896&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other tangible assets held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;363&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Entities held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;72,148&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,137&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 7pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;&#160;&#160;&#160;Caceis (Note 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;&#160;&#160;&#160;Santander Bank Polska S.A. (Note 3) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;72,148&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total non-current assets held for sale&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;75,011&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,002&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,014&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Entities held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Bank Polska S.A. (Note 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,995&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Liabilities associated with non-current assets held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;62,995&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:ScheduleOfNoncurrentAssetsClassifiedAsHeldForSaleTableTextBlock>
    <san:TangibleAssets contextRef="c-1605" decimals="-6" id="f-3564" unitRef="eur">2850000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1606" decimals="-6" id="f-3565" unitRef="eur">2851000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1607" decimals="-6" id="f-3566" unitRef="eur">2991000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1608" decimals="-6" id="f-3567" unitRef="eur">2487000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1609" decimals="-6" id="f-3568" unitRef="eur">2621000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1610" decimals="-6" id="f-3569" unitRef="eur">2773000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1611" decimals="-6" id="f-3570" unitRef="eur">1705000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1612" decimals="-6" id="f-3571" unitRef="eur">1896000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1613" decimals="-6" id="f-3572" unitRef="eur">2138000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1614" decimals="-6" id="f-3573" unitRef="eur">363000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1615" decimals="-6" id="f-3574" unitRef="eur">230000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1616" decimals="-6" id="f-3575" unitRef="eur">218000000</san:TangibleAssets>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-1617" decimals="-6" id="f-3576" unitRef="eur">72148000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-1618" decimals="-6" id="f-3577" unitRef="eur">1137000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-1619" decimals="-6" id="f-3578" unitRef="eur">0</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-1620" decimals="-6" id="f-3579" unitRef="eur">0</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-1621" decimals="-6" id="f-3580" unitRef="eur">1137000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-1622" decimals="-6" id="f-3581" unitRef="eur">0</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-1623" decimals="-6" id="f-3582" unitRef="eur">72148000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-1624" decimals="-6" id="f-3583" unitRef="eur">0</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-1625" decimals="-6" id="f-3584" unitRef="eur">0</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:OtherAssets contextRef="c-1605" decimals="-6" id="f-3585" unitRef="eur">13000000</ifrs-full:OtherAssets>
    <ifrs-full:OtherAssets contextRef="c-1606" decimals="-6" id="f-3586" unitRef="eur">14000000</ifrs-full:OtherAssets>
    <ifrs-full:OtherAssets contextRef="c-1607" decimals="-6" id="f-3587" unitRef="eur">23000000</ifrs-full:OtherAssets>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-1605" decimals="-6" id="f-3588" unitRef="eur">75011000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-1606" decimals="-6" id="f-3589" unitRef="eur">4002000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale contextRef="c-1607" decimals="-6" id="f-3590" unitRef="eur">3014000000</ifrs-full:NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale contextRef="c-1623" decimals="-6" id="f-3591" unitRef="eur">62995000000</ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale contextRef="c-1624" decimals="-6" id="f-3592" unitRef="eur">0</ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale contextRef="c-1625" decimals="-6" id="f-3593" unitRef="eur">0</ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale contextRef="c-1605" decimals="-6" id="f-3594" unitRef="eur">62995000000</ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale contextRef="c-1606" decimals="-6" id="f-3595" unitRef="eur">0</ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale>
    <ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale contextRef="c-1607" decimals="-6" id="f-3596" unitRef="eur">0</ifrs-full:LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale>
    <san:ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets contextRef="c-1605" decimals="-6" id="f-3597" unitRef="eur">2357000000</san:ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets>
    <san:ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets contextRef="c-1606" decimals="-6" id="f-3598" unitRef="eur">2606000000</san:ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets>
    <san:ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets contextRef="c-1607" decimals="-6" id="f-3599" unitRef="eur">2956000000</san:ProvisionRecognisedForNonCurrentAssetsHeldForSaleTangibleAssets>
    <san:NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges contextRef="c-1626" decimals="-6" id="f-3600" unitRef="eur">131000000</san:NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges>
    <san:NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges contextRef="c-1627" decimals="-6" id="f-3601" unitRef="eur">163000000</san:NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges>
    <san:NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges contextRef="c-1628" decimals="-6" id="f-3602" unitRef="eur">139000000</san:NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceCharges>
    <san:NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries contextRef="c-1626" decimals="-6" id="f-3603" unitRef="eur">59000000</san:NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries>
    <san:NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries contextRef="c-1627" decimals="-6" id="f-3604" unitRef="eur">71000000</san:NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries>
    <san:NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries contextRef="c-1628" decimals="-6" id="f-3605" unitRef="eur">88000000</san:NoncurrentAssetsHeldForSaleTangibleAssetsValuationAllowanceRecoveries>
    <san:DiscontinuedOperationsConsolidatedBalanceSheetTableTextBlock contextRef="c-1" id="f-3606">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following is the consolidated balance sheet and consolidated summary cash flow statements for the Polish business held for sale:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:84.393%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Condensed consolidated balance sheet&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash, cash balances at central banks and other deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,515&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,956&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,173&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at amortised cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55,642&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,335&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,224&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-right:1pt solid #ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,303&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-right:1pt solid #ffffff;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;72,148&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:84.393%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Condensed consolidated balance sheet&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;842&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities at amortised cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;59,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;603&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;62,995&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:84.393%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Items that will not be reclassified to profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial gains or losses on defined benefit pension plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of equity instruments measured at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Items that may be reclassified to profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(590)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedges of net investments in foreign operations (effective portion)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(522)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(164)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash flow hedges (effective portion)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments at fair value with changes in other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Share in other income and expenses recognised in investments, joint ventures and associates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.25pt solid #9c9c9c;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Condensed consolidated statements of cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;A) Cash flows from operating activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,405&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,705&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;352&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;B) Cash flows from investing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(98)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(96)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(91)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;C) Cash flows from financing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,301)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,194)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(591)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;D) Effect of foreign exchange rate differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #929292;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;143&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;E) Net increase/(decrease) in cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;442&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(187)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DiscontinuedOperationsConsolidatedBalanceSheetTableTextBlock>
    <ifrs-full:CashAndCashEquivalents contextRef="c-1629" decimals="-6" id="f-3607" unitRef="eur">2515000000</ifrs-full:CashAndCashEquivalents>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1629" decimals="-6" id="f-3608" unitRef="eur">1956000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-1629" decimals="-6" id="f-3609" unitRef="eur">8173000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:FinancialAssetsAtAmortisedCost contextRef="c-1629" decimals="-6" id="f-3610" unitRef="eur">55642000000</ifrs-full:FinancialAssetsAtAmortisedCost>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-1629" decimals="-6" id="f-3611" unitRef="eur">1335000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <san:TaxAssets contextRef="c-1629" decimals="-6" id="f-3612" unitRef="eur">1224000000</san:TaxAssets>
    <ifrs-full:OtherAssets contextRef="c-1629" decimals="-6" id="f-3613" unitRef="eur">1303000000</ifrs-full:OtherAssets>
    <ifrs-full:Assets contextRef="c-1629" decimals="-6" id="f-3614" unitRef="eur">72148000000</ifrs-full:Assets>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-1629" decimals="-6" id="f-3615" unitRef="eur">842000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-1629" decimals="-6" id="f-3616" unitRef="eur">59704000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:Provisions contextRef="c-1629" decimals="-6" id="f-3617" unitRef="eur">603000000</ifrs-full:Provisions>
    <san:TaxLiabilities contextRef="c-1629" decimals="-6" id="f-3618" unitRef="eur">1335000000</san:TaxLiabilities>
    <ifrs-full:OtherLiabilities contextRef="c-1629" decimals="-6" id="f-3619" unitRef="eur">511000000</ifrs-full:OtherLiabilities>
    <ifrs-full:Liabilities contextRef="c-1629" decimals="-6" id="f-3620" unitRef="eur">62995000000</ifrs-full:Liabilities>
    <san:OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss contextRef="c-1629" decimals="-6" id="f-3621" unitRef="eur">56000000</san:OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss>
    <ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans contextRef="c-1629" decimals="-6" id="f-3622" unitRef="eur">0</ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans>
    <ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments contextRef="c-1629" decimals="-6" id="f-3623" unitRef="eur">56000000</ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments>
    <san:OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss contextRef="c-1629" decimals="-6" id="f-3624" unitRef="eur">-590000000</san:OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss>
    <ifrs-full:ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments contextRef="c-1629" decimals="-6" id="f-3625" unitRef="eur">-522000000</ifrs-full:ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-1629" decimals="-6" id="f-3626" unitRef="eur">-164000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:ReserveOfCashFlowHedges contextRef="c-1629" decimals="-6" id="f-3627" unitRef="eur">98000000</ifrs-full:ReserveOfCashFlowHedges>
    <ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-1629" decimals="-6" id="f-3628" unitRef="eur">8000000</ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <san:AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities contextRef="c-1629" decimals="-6" id="f-3629" unitRef="eur">-10000000</san:AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities>
    <ifrs-full:CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations contextRef="c-1630" decimals="-6" id="f-3630" unitRef="eur">1405000000</ifrs-full:CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations>
    <ifrs-full:CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations contextRef="c-1631" decimals="-6" id="f-3631" unitRef="eur">1705000000</ifrs-full:CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations>
    <ifrs-full:CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations contextRef="c-1632" decimals="-6" id="f-3632" unitRef="eur">352000000</ifrs-full:CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations>
    <ifrs-full:CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations contextRef="c-1630" decimals="-6" id="f-3633" unitRef="eur">-98000000</ifrs-full:CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations>
    <ifrs-full:CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations contextRef="c-1631" decimals="-6" id="f-3634" unitRef="eur">-96000000</ifrs-full:CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations>
    <ifrs-full:CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations contextRef="c-1632" decimals="-6" id="f-3635" unitRef="eur">-91000000</ifrs-full:CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations>
    <ifrs-full:CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations contextRef="c-1630" decimals="-6" id="f-3636" unitRef="eur">-1301000000</ifrs-full:CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations>
    <ifrs-full:CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations contextRef="c-1631" decimals="-6" id="f-3637" unitRef="eur">-1194000000</ifrs-full:CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations>
    <ifrs-full:CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations contextRef="c-1632" decimals="-6" id="f-3638" unitRef="eur">-591000000</ifrs-full:CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations>
    <ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents contextRef="c-1633" decimals="-6" id="f-3639" unitRef="eur">20000000</ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents>
    <ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents contextRef="c-1634" decimals="-6" id="f-3640" unitRef="eur">27000000</ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents>
    <ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents contextRef="c-1635" decimals="-6" id="f-3641" unitRef="eur">143000000</ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents>
    <san:IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations contextRef="c-1630" decimals="-6" id="f-3642" unitRef="eur">26000000</san:IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations>
    <san:IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations contextRef="c-1631" decimals="-6" id="f-3643" unitRef="eur">442000000</san:IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations>
    <san:IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations contextRef="c-1632" decimals="-6" id="f-3644" unitRef="eur">-187000000</san:IncreaseDecreaseInCashAndCashEquivalentsAfterEffectOfForeignExchangeRatesDiscontinuedOperations>
    <san:RemeasurementOfDisposalGroupOrAssetsHeldForSaleWriteOff contextRef="c-1636" decimals="-6" id="f-3645" unitRef="eur">2339000000</san:RemeasurementOfDisposalGroupOrAssetsHeldForSaleWriteOff>
    <ifrs-full:DisclosureOfInterestsInOtherEntitiesExplanatory contextRef="c-1" id="f-3646">Investments&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i35a5cf5f5f994bbab84c4c837e8f2795"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Breakdown&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by company, of Investments is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.322%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Associated entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,096&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,216&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,682&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Merlin Properties, SOCIMI, S.A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,830&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,621&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Zurich Santander Insurance&lt;br/&gt;America, S.L. - Consolidated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;936&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Metrovacesa, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;748&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;899&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CNP Santander&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;399&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;397&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;423&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pluxee Beneficios Brasil S.A. &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;295&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;309&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Caceis (Notes 3 and 12)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;664&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Joint Ventures entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,956&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,061&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,964&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Caceis Latam Holding 1, S.L. - Consolidated (previously Santander Securities Services Latam Holding, S.L)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;404&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Vida Seguros y Reaseguros, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;329&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;356&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;362&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;U.C.I., S.A. - Consolidated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;349&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fortune Auto Finance Co., Ltd&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;232&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;261&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hyundai Capital UK Limited&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;270&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;249&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;205&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Volvo Car Financial Services UK Limited&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco RCI Brasil S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;94&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;237&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Associated entities and Joint ventures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,052&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,277&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,646&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Acquisition of 20% of Pluxee Beneficios Brasil S.A. and capital increase of Merlin Properties, SOCIMI, S.A., both carried out in 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Of the entities included above, at 31 December 2025, the entities Merlin Properties, SOCIMI, S.A, and Metrovacesa, S.A. and Compa&#xf1;&#xed;a Espa&#xf1;ola de Viviendas en Alquiler, S.A., are the only listed companies.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Below is a breakdown of the Goodwill of the main investments in joint ventures and associates included in the balance of this heading:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.025%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Goodwill&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,096&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,238&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,460&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Zurich Santander Insurance America, S.L. - Consolidated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Pluxee Beneficios Brasil S.A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Caceis (Notes 3 and 12)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Acquisition of 20% of Pluxee Beneficios Brasil S.A. in 2024. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span id="i300d1f8c1222493f838ae7e70a7bda3a"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Changes&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in the investments were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:58.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.481%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,277&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,646&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,615&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Acquisitions (disposals) of companies and capital increases (reductions)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,011&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the consolidation method (Note 3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(43)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Entities for sale (Notes 3 y 12)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(168)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,137)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Effect of equity accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;687&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;591&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Dividends distributed and reimbursements of share premium&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(694)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(745)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(565)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Zurich Santander Insurance Am&#xe9;rica, S.L. - Consolidado&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(206)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(202)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(202)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Metrovacesa, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(118)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(52)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(50)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Vida Seguros y Reaseguros, S.A.- Consolidated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(87)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(82)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(52)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Merlin Properties, SOCIMI, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(57)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(53)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;CNP Santander&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(54)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(88)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;CIP S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(56)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Caceis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(114)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Hyundai Capital UK Limited&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(58)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other global result&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(54)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(140)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of year&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,052&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,277&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,646&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Includes the acquisition of 20% of Pluxee Beneficios Brasil S.A. and the capital increase of Merlin Properties, SOCIMI, S.A carried out in 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt"&gt;Stakes of Santander Bank Polska S.A. and Caceis (Notes 3 and 12).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i4890dc3a7a0c4deb80f4a565b7ac12b2"&gt;&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;c) Impairment adjustments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;During the years 2025, 2024 and 2023 there was no evidence of significant impairment in the Group's associated interests.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i2021c0825cd242d181220682c55850f0"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;d) Other information&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%"&gt;A summary of the financial information at the end of December 2025 of the main associates and joint ventures (obtained from the information available at the date of preparation of the consolidated financial statements) is shown below:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.392%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.573%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="36" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Associates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Joint ventures&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;Merlin Properties, SOCIMI, S.A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:3.9pt;font-weight:700;line-height:105%;position:relative;top:-2.1pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;Metrovacesa, S.A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:3.9pt;font-weight:700;line-height:105%;position:relative;top:-2.1pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;Pluxee Beneficios Brasil S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;Zurich Santander Insurance Am&#xe9;rica, S.L. - Consolidated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;CNP Santander&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;Santander Caceis Latam Holding, S.L. - Consolidated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;U.C.I., S.A. - Consolidated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;Hyundai Capital UK Limited&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;Fortune Auto Finance Co., LTD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;Santander Vida Seguros y Reaseguros, S.A.- Consolidated (note 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;Banco RCI Brasil S.A.&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Current assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,701&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,025&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,434&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;201&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;397&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,022&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;167&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;157&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Non current assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;11,758&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;652&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;20,190&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;579&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8,876&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,933&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,221&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;13,459&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,414&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,341&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;22,624&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,304&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;780&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;9,273&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;5,687&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,100&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,867&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,231&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Current liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;507&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;6,930&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,685&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;140&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Non current liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5,118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;21,021&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,726&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,715&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,480&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,627&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,243&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,924&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;5,958&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;817&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;832&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;21,678&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,912&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;350&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;8,645&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;5,165&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,637&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,383&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,036&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Attributable profit for the period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;87&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;534&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;97&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other accumulated comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(33)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Rest of equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;7,228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;422&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;445&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;333&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;589&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;443&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;360&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Total Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;7,501&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,597&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;509&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;946&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;392&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;430&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;628&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;522&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;463&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;484&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;195&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Total liabilities and equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;13,459&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,414&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,341&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;22,624&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,304&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;780&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;9,273&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;5,687&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,100&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,867&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,231&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Ordinary activities income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;544&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;658&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;457&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4,559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;499&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;907&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Profit (loss) from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;87&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;534&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;97&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Profit (loss) for the year from discontinuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Data as of 31 December 2024, latest accounts available.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfInterestsInOtherEntitiesExplanatory>
    <ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory contextRef="c-1" id="f-3647">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by company, of Investments is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.322%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Associated entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,096&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,216&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,682&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Merlin Properties, SOCIMI, S.A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,830&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,621&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Zurich Santander Insurance&lt;br/&gt;America, S.L. - Consolidated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;936&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Metrovacesa, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;748&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;899&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CNP Santander&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;399&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;397&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;423&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pluxee Beneficios Brasil S.A. &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;295&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;309&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Caceis (Notes 3 and 12)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;664&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Joint Ventures entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,956&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,061&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,964&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Caceis Latam Holding 1, S.L. - Consolidated (previously Santander Securities Services Latam Holding, S.L)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;404&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Vida Seguros y Reaseguros, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;329&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;356&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;362&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;U.C.I., S.A. - Consolidated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;349&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fortune Auto Finance Co., Ltd&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;232&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;261&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hyundai Capital UK Limited&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;270&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;249&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;205&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Volvo Car Financial Services UK Limited&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco RCI Brasil S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;94&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;237&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Associated entities and Joint ventures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,052&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,277&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,646&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Acquisition of 20% of Pluxee Beneficios Brasil S.A. and capital increase of Merlin Properties, SOCIMI, S.A., both carried out in 2024.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-2" decimals="-6" id="f-3648" unitRef="eur">5096000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-3" decimals="-6" id="f-3649" unitRef="eur">5216000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-4" decimals="-6" id="f-3650" unitRef="eur">5682000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1637" decimals="-6" id="f-3651" unitRef="eur">1830000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1638" decimals="-6" id="f-3652" unitRef="eur">1803000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1639" decimals="-6" id="f-3653" unitRef="eur">1621000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1640" decimals="-6" id="f-3654" unitRef="eur">940000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1641" decimals="-6" id="f-3655" unitRef="eur">884000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1642" decimals="-6" id="f-3656" unitRef="eur">936000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1643" decimals="-6" id="f-3657" unitRef="eur">748000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1644" decimals="-6" id="f-3658" unitRef="eur">841000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1645" decimals="-6" id="f-3659" unitRef="eur">899000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1646" decimals="-6" id="f-3660" unitRef="eur">399000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1647" decimals="-6" id="f-3661" unitRef="eur">397000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1648" decimals="-6" id="f-3662" unitRef="eur">423000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1649" decimals="-6" id="f-3663" unitRef="eur">295000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1650" decimals="-6" id="f-3664" unitRef="eur">309000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1651" decimals="-6" id="f-3665" unitRef="eur">0</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1652" decimals="-6" id="f-3666" unitRef="eur">0</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1653" decimals="-6" id="f-3667" unitRef="eur">0</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1654" decimals="-6" id="f-3668" unitRef="eur">1139000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1655" decimals="-6" id="f-3669" unitRef="eur">884000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1656" decimals="-6" id="f-3670" unitRef="eur">982000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod contextRef="c-1657" decimals="-6" id="f-3671" unitRef="eur">664000000</ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-2" decimals="-6" id="f-3672" unitRef="eur">1956000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-3" decimals="-6" id="f-3673" unitRef="eur">2061000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-4" decimals="-6" id="f-3674" unitRef="eur">1964000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1658" decimals="-6" id="f-3675" unitRef="eur">404000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1659" decimals="-6" id="f-3676" unitRef="eur">381000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1660" decimals="-6" id="f-3677" unitRef="eur">389000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1661" decimals="-6" id="f-3678" unitRef="eur">329000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1662" decimals="-6" id="f-3679" unitRef="eur">356000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1663" decimals="-6" id="f-3680" unitRef="eur">362000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1664" decimals="-6" id="f-3681" unitRef="eur">293000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1665" decimals="-6" id="f-3682" unitRef="eur">325000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1666" decimals="-6" id="f-3683" unitRef="eur">349000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1667" decimals="-6" id="f-3684" unitRef="eur">232000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1668" decimals="-6" id="f-3685" unitRef="eur">261000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1669" decimals="-6" id="f-3686" unitRef="eur">254000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1670" decimals="-6" id="f-3687" unitRef="eur">270000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1671" decimals="-6" id="f-3688" unitRef="eur">249000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1672" decimals="-6" id="f-3689" unitRef="eur">205000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1673" decimals="-6" id="f-3690" unitRef="eur">116000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1674" decimals="-6" id="f-3691" unitRef="eur">99000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1675" decimals="-6" id="f-3692" unitRef="eur">76000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1676" decimals="-6" id="f-3693" unitRef="eur">77000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1677" decimals="-6" id="f-3694" unitRef="eur">94000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1678" decimals="-6" id="f-3695" unitRef="eur">92000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1679" decimals="-6" id="f-3696" unitRef="eur">235000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1680" decimals="-6" id="f-3697" unitRef="eur">296000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod contextRef="c-1681" decimals="-6" id="f-3698" unitRef="eur">237000000</ifrs-full:InvestmentsInJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentAccountedForUsingEquityMethod contextRef="c-2" decimals="-6" id="f-3699" unitRef="eur">7052000000</ifrs-full:InvestmentAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentAccountedForUsingEquityMethod contextRef="c-3" decimals="-6" id="f-3700" unitRef="eur">7277000000</ifrs-full:InvestmentAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentAccountedForUsingEquityMethod contextRef="c-4" decimals="-6" id="f-3701" unitRef="eur">7646000000</ifrs-full:InvestmentAccountedForUsingEquityMethod>
    <ifrs-full:PercentageOfVotingEquityInterestsAcquired
      contextRef="c-1650"
      decimals="2"
      id="f-3702"
      unitRef="number">0.20</ifrs-full:PercentageOfVotingEquityInterestsAcquired>
    <san:DisclosureOfGoodwillOfMainInvestmentsInJointVenturesAndAssociatesTableTextBlock contextRef="c-1" id="f-3703">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Below is a breakdown of the Goodwill of the main investments in joint ventures and associates included in the balance of this heading:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.025%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Goodwill&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,096&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,238&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,460&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Zurich Santander Insurance America, S.L. - Consolidated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Pluxee Beneficios Brasil S.A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Caceis (Notes 3 and 12)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;Acquisition of 20% of Pluxee Beneficios Brasil S.A. in 2024.</san:DisclosureOfGoodwillOfMainInvestmentsInJointVenturesAndAssociatesTableTextBlock>
    <ifrs-full:Goodwill contextRef="c-1682" decimals="-6" id="f-3704" unitRef="eur">1096000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-1683" decimals="-6" id="f-3705" unitRef="eur">1238000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-1684" decimals="-6" id="f-3706" unitRef="eur">1460000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-1640" decimals="-6" id="f-3707" unitRef="eur">526000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-1641" decimals="-6" id="f-3708" unitRef="eur">526000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-1642" decimals="-6" id="f-3709" unitRef="eur">526000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-1649" decimals="-6" id="f-3710" unitRef="eur">71000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-1650" decimals="-6" id="f-3711" unitRef="eur">122000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-1651" decimals="-6" id="f-3712" unitRef="eur">0</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-1652" decimals="-6" id="f-3713" unitRef="eur">0</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-1653" decimals="-6" id="f-3714" unitRef="eur">0</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-1654" decimals="-6" id="f-3715" unitRef="eur">337000000</ifrs-full:Goodwill>
    <ifrs-full:PercentageOfVotingEquityInterestsAcquired
      contextRef="c-1650"
      decimals="2"
      id="f-3716"
      unitRef="number">0.20</ifrs-full:PercentageOfVotingEquityInterestsAcquired>
    <san:DisclosureOfChangesInASpecificInvestmentAccountedForUsingEquityMethodTableTextBlock contextRef="c-1" id="f-3717">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in the investments were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:58.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.481%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,277&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,646&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,615&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Acquisitions (disposals) of companies and capital increases (reductions)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,011&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the consolidation method (Note 3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(43)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Entities for sale (Notes 3 y 12)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(168)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,137)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Effect of equity accounting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;687&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;591&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Dividends distributed and reimbursements of share premium&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(694)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(745)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(565)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Zurich Santander Insurance Am&#xe9;rica, S.L. - Consolidado&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(206)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(202)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(202)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Metrovacesa, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(118)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(52)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(50)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Vida Seguros y Reaseguros, S.A.- Consolidated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(87)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(82)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(52)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Merlin Properties, SOCIMI, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(57)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(53)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;CNP Santander&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(54)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(88)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;CIP S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(56)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Caceis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(114)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Hyundai Capital UK Limited&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(58)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other global result&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(54)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(140)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of year&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,052&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,277&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,646&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Includes the acquisition of 20% of Pluxee Beneficios Brasil S.A. and the capital increase of Merlin Properties, SOCIMI, S.A carried out in 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt"&gt;Stakes of Santander Bank Polska S.A. and Caceis (Notes 3 and 12).&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfChangesInASpecificInvestmentAccountedForUsingEquityMethodTableTextBlock>
    <ifrs-full:InvestmentAccountedForUsingEquityMethod contextRef="c-3" decimals="-6" id="f-3718" unitRef="eur">7277000000</ifrs-full:InvestmentAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentAccountedForUsingEquityMethod contextRef="c-4" decimals="-6" id="f-3719" unitRef="eur">7646000000</ifrs-full:InvestmentAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentAccountedForUsingEquityMethod contextRef="c-241" decimals="-6" id="f-3720" unitRef="eur">7615000000</ifrs-full:InvestmentAccountedForUsingEquityMethod>
    <san:InvestmentsInSubsidiariesJointVenturesAndAssociatesAcquisitionsDisposalsAndCapitalIncreasesReductions contextRef="c-1" decimals="-6" id="f-3721" unitRef="eur">-17000000</san:InvestmentsInSubsidiariesJointVenturesAndAssociatesAcquisitionsDisposalsAndCapitalIncreasesReductions>
    <san:InvestmentsInSubsidiariesJointVenturesAndAssociatesAcquisitionsDisposalsAndCapitalIncreasesReductions contextRef="c-86" decimals="-6" id="f-3722" unitRef="eur">1011000000</san:InvestmentsInSubsidiariesJointVenturesAndAssociatesAcquisitionsDisposalsAndCapitalIncreasesReductions>
    <san:InvestmentsInSubsidiariesJointVenturesAndAssociatesAcquisitionsDisposalsAndCapitalIncreasesReductions contextRef="c-87" decimals="-6" id="f-3723" unitRef="eur">52000000</san:InvestmentsInSubsidiariesJointVenturesAndAssociatesAcquisitionsDisposalsAndCapitalIncreasesReductions>
    <san:ChangesInScopeOfConsolidation contextRef="c-1" decimals="-6" id="f-3724" unitRef="eur">15000000</san:ChangesInScopeOfConsolidation>
    <san:ChangesInScopeOfConsolidation contextRef="c-86" decimals="-6" id="f-3725" unitRef="eur">-13000000</san:ChangesInScopeOfConsolidation>
    <san:ChangesInScopeOfConsolidation contextRef="c-87" decimals="-6" id="f-3726" unitRef="eur">-43000000</san:ChangesInScopeOfConsolidation>
    <san:InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale contextRef="c-1" decimals="-6" id="f-3727" unitRef="eur">168000000</san:InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale>
    <san:InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale contextRef="c-86" decimals="-6" id="f-3728" unitRef="eur">1137000000</san:InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale>
    <san:InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale contextRef="c-87" decimals="-6" id="f-3729" unitRef="eur">0</san:InvestmentAccountedForUsingEquityMethodTransfersToNonCurrentAssetsEntitiesForSale>
    <ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod contextRef="c-1" decimals="-6" id="f-3730" unitRef="eur">665000000</ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod contextRef="c-86" decimals="-6" id="f-3731" unitRef="eur">687000000</ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod contextRef="c-87" decimals="-6" id="f-3732" unitRef="eur">591000000</ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1" decimals="-6" id="f-3733" unitRef="eur">694000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-86" decimals="-6" id="f-3734" unitRef="eur">745000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-87" decimals="-6" id="f-3735" unitRef="eur">565000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1685" decimals="-6" id="f-3736" unitRef="eur">206000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1686" decimals="-6" id="f-3737" unitRef="eur">202000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1687" decimals="-6" id="f-3738" unitRef="eur">202000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1688" decimals="-6" id="f-3739" unitRef="eur">118000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1689" decimals="-6" id="f-3740" unitRef="eur">52000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1690" decimals="-6" id="f-3741" unitRef="eur">50000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1691" decimals="-6" id="f-3742" unitRef="eur">87000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1692" decimals="-6" id="f-3743" unitRef="eur">82000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1693" decimals="-6" id="f-3744" unitRef="eur">52000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1694" decimals="-6" id="f-3745" unitRef="eur">57000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1695" decimals="-6" id="f-3746" unitRef="eur">53000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1696" decimals="-6" id="f-3747" unitRef="eur">51000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1697" decimals="-6" id="f-3748" unitRef="eur">54000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1698" decimals="-6" id="f-3749" unitRef="eur">88000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1699" decimals="-6" id="f-3750" unitRef="eur">51000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1700" decimals="-6" id="f-3751" unitRef="eur">16000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1701" decimals="-6" id="f-3752" unitRef="eur">56000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1702" decimals="-6" id="f-3753" unitRef="eur">0</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-323" decimals="-6" id="f-3754" unitRef="eur">0</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1703" decimals="-6" id="f-3755" unitRef="eur">114000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1704" decimals="-6" id="f-3756" unitRef="eur">0</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1705" decimals="-6" id="f-3757" unitRef="eur">0</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1706" decimals="-6" id="f-3758" unitRef="eur">0</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:DividendsPaidAndReimbursementsOfSharePremium contextRef="c-1707" decimals="-6" id="f-3759" unitRef="eur">58000000</san:DividendsPaidAndReimbursementsOfSharePremium>
    <san:OtherGlobalResult contextRef="c-1" decimals="-6" id="f-3760" unitRef="eur">-28000000</san:OtherGlobalResult>
    <san:OtherGlobalResult contextRef="c-86" decimals="-6" id="f-3761" unitRef="eur">32000000</san:OtherGlobalResult>
    <san:OtherGlobalResult contextRef="c-87" decimals="-6" id="f-3762" unitRef="eur">24000000</san:OtherGlobalResult>
    <san:ExchangeDifferencesAndOtherChanges contextRef="c-1" decimals="-6" id="f-3763" unitRef="eur">-54000000</san:ExchangeDifferencesAndOtherChanges>
    <san:ExchangeDifferencesAndOtherChanges contextRef="c-86" decimals="-6" id="f-3764" unitRef="eur">-140000000</san:ExchangeDifferencesAndOtherChanges>
    <san:ExchangeDifferencesAndOtherChanges contextRef="c-87" decimals="-6" id="f-3765" unitRef="eur">20000000</san:ExchangeDifferencesAndOtherChanges>
    <ifrs-full:InvestmentAccountedForUsingEquityMethod contextRef="c-2" decimals="-6" id="f-3766" unitRef="eur">7052000000</ifrs-full:InvestmentAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentAccountedForUsingEquityMethod contextRef="c-3" decimals="-6" id="f-3767" unitRef="eur">7277000000</ifrs-full:InvestmentAccountedForUsingEquityMethod>
    <ifrs-full:InvestmentAccountedForUsingEquityMethod contextRef="c-4" decimals="-6" id="f-3768" unitRef="eur">7646000000</ifrs-full:InvestmentAccountedForUsingEquityMethod>
    <ifrs-full:PercentageOfVotingEquityInterestsAcquired
      contextRef="c-1650"
      decimals="2"
      id="f-3769"
      unitRef="number">0.20</ifrs-full:PercentageOfVotingEquityInterestsAcquired>
    <san:DisclosureOfFinancialInformationOnMainAssociatesAndJointVenturesTableTextBlock contextRef="c-1" id="f-3770">&lt;div style="margin-bottom:9pt;margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:110%"&gt;A summary of the financial information at the end of December 2025 of the main associates and joint ventures (obtained from the information available at the date of preparation of the consolidated financial statements) is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.392%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.573%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="36" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Associates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Joint ventures&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;Merlin Properties, SOCIMI, S.A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:3.9pt;font-weight:700;line-height:105%;position:relative;top:-2.1pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;Metrovacesa, S.A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:3.9pt;font-weight:700;line-height:105%;position:relative;top:-2.1pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;Pluxee Beneficios Brasil S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;Zurich Santander Insurance Am&#xe9;rica, S.L. - Consolidated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;CNP Santander&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;Santander Caceis Latam Holding, S.L. - Consolidated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;U.C.I., S.A. - Consolidated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;Hyundai Capital UK Limited&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;Fortune Auto Finance Co., LTD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;Santander Vida Seguros y Reaseguros, S.A.- Consolidated (note 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6pt;font-weight:700;line-height:105%"&gt;Banco RCI Brasil S.A.&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Current assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,701&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,025&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,434&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;201&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;397&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,022&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;167&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;157&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Non current assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;11,758&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;652&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;20,190&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;579&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8,876&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,933&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,221&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;13,459&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,414&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,341&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;22,624&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,304&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;780&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;9,273&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;5,687&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,100&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,867&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,231&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Current liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;507&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;6,930&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,685&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;140&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Non current liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5,118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;21,021&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,726&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,715&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,480&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,627&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,243&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,924&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;5,958&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;817&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;832&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;21,678&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,912&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;350&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;8,645&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;5,165&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,637&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,383&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,036&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Attributable profit for the period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;87&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;534&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;97&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other accumulated comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(33)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Rest of equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;7,228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;422&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;445&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;333&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;589&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;443&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;360&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Total Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;7,501&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,597&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;509&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;946&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;392&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;430&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;628&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;522&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;463&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;484&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;195&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Total liabilities and equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;13,459&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,414&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,341&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;22,624&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,304&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;780&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;9,273&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;5,687&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,100&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,867&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,231&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Ordinary activities income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;544&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;658&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;457&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4,559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;499&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;907&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Profit (loss) from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;87&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;534&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;97&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Profit (loss) for the year from discontinuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Data as of 31 December 2024, latest accounts available.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfFinancialInformationOnMainAssociatesAndJointVenturesTableTextBlock>
    <ifrs-full:CurrentAssets contextRef="c-1708" decimals="-6" id="f-3771" unitRef="eur">1701000000</ifrs-full:CurrentAssets>
    <ifrs-full:CurrentAssets contextRef="c-1709" decimals="-6" id="f-3772" unitRef="eur">2025000000</ifrs-full:CurrentAssets>
    <ifrs-full:CurrentAssets contextRef="c-1710" decimals="-6" id="f-3773" unitRef="eur">689000000</ifrs-full:CurrentAssets>
    <ifrs-full:CurrentAssets contextRef="c-1711" decimals="-6" id="f-3774" unitRef="eur">2434000000</ifrs-full:CurrentAssets>
    <ifrs-full:CurrentAssets contextRef="c-1712" decimals="-6" id="f-3775" unitRef="eur">165000000</ifrs-full:CurrentAssets>
    <ifrs-full:CurrentAssets contextRef="c-1713" decimals="-6" id="f-3776" unitRef="eur">201000000</ifrs-full:CurrentAssets>
    <ifrs-full:CurrentAssets contextRef="c-1714" decimals="-6" id="f-3777" unitRef="eur">397000000</ifrs-full:CurrentAssets>
    <ifrs-full:CurrentAssets contextRef="c-1715" decimals="-6" id="f-3778" unitRef="eur">2022000000</ifrs-full:CurrentAssets>
    <ifrs-full:CurrentAssets contextRef="c-1716" decimals="-6" id="f-3779" unitRef="eur">167000000</ifrs-full:CurrentAssets>
    <ifrs-full:CurrentAssets contextRef="c-1717" decimals="-6" id="f-3780" unitRef="eur">157000000</ifrs-full:CurrentAssets>
    <ifrs-full:CurrentAssets contextRef="c-1718" decimals="-6" id="f-3781" unitRef="eur">10000000</ifrs-full:CurrentAssets>
    <ifrs-full:NoncurrentAssets contextRef="c-1708" decimals="-6" id="f-3782" unitRef="eur">11758000000</ifrs-full:NoncurrentAssets>
    <ifrs-full:NoncurrentAssets contextRef="c-1709" decimals="-6" id="f-3783" unitRef="eur">389000000</ifrs-full:NoncurrentAssets>
    <ifrs-full:NoncurrentAssets contextRef="c-1710" decimals="-6" id="f-3784" unitRef="eur">652000000</ifrs-full:NoncurrentAssets>
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    <ifrs-full:NoncurrentAssets contextRef="c-1715" decimals="-6" id="f-3789" unitRef="eur">3665000000</ifrs-full:NoncurrentAssets>
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    <ifrs-full:NoncurrentAssets contextRef="c-1717" decimals="-6" id="f-3791" unitRef="eur">1710000000</ifrs-full:NoncurrentAssets>
    <ifrs-full:NoncurrentAssets contextRef="c-1718" decimals="-6" id="f-3792" unitRef="eur">2221000000</ifrs-full:NoncurrentAssets>
    <ifrs-full:Assets contextRef="c-1708" decimals="-6" id="f-3793" unitRef="eur">13459000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-1709" decimals="-6" id="f-3794" unitRef="eur">2414000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-1710" decimals="-6" id="f-3795" unitRef="eur">1341000000</ifrs-full:Assets>
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    <ifrs-full:Assets contextRef="c-1712" decimals="-6" id="f-3797" unitRef="eur">2304000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-1713" decimals="-6" id="f-3798" unitRef="eur">780000000</ifrs-full:Assets>
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    <ifrs-full:Assets contextRef="c-1715" decimals="-6" id="f-3800" unitRef="eur">5687000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-1716" decimals="-6" id="f-3801" unitRef="eur">2100000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-1717" decimals="-6" id="f-3802" unitRef="eur">1867000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-1718" decimals="-6" id="f-3803" unitRef="eur">2231000000</ifrs-full:Assets>
    <ifrs-full:CurrentLiabilities contextRef="c-1708" decimals="-6" id="f-3804" unitRef="eur">840000000</ifrs-full:CurrentLiabilities>
    <ifrs-full:CurrentLiabilities contextRef="c-1709" decimals="-6" id="f-3805" unitRef="eur">507000000</ifrs-full:CurrentLiabilities>
    <ifrs-full:CurrentLiabilities contextRef="c-1710" decimals="-6" id="f-3806" unitRef="eur">254000000</ifrs-full:CurrentLiabilities>
    <ifrs-full:CurrentLiabilities contextRef="c-1711" decimals="-6" id="f-3807" unitRef="eur">657000000</ifrs-full:CurrentLiabilities>
    <ifrs-full:CurrentLiabilities contextRef="c-1712" decimals="-6" id="f-3808" unitRef="eur">186000000</ifrs-full:CurrentLiabilities>
    <ifrs-full:CurrentLiabilities contextRef="c-1713" decimals="-6" id="f-3809" unitRef="eur">315000000</ifrs-full:CurrentLiabilities>
    <ifrs-full:CurrentLiabilities contextRef="c-1714" decimals="-6" id="f-3810" unitRef="eur">6930000000</ifrs-full:CurrentLiabilities>
    <ifrs-full:CurrentLiabilities contextRef="c-1715" decimals="-6" id="f-3811" unitRef="eur">3685000000</ifrs-full:CurrentLiabilities>
    <ifrs-full:CurrentLiabilities contextRef="c-1716" decimals="-6" id="f-3812" unitRef="eur">10000000</ifrs-full:CurrentLiabilities>
    <ifrs-full:CurrentLiabilities contextRef="c-1717" decimals="-6" id="f-3813" unitRef="eur">140000000</ifrs-full:CurrentLiabilities>
    <ifrs-full:CurrentLiabilities contextRef="c-1718" decimals="-6" id="f-3814" unitRef="eur">112000000</ifrs-full:CurrentLiabilities>
    <ifrs-full:NoncurrentLiabilities contextRef="c-1708" decimals="-6" id="f-3815" unitRef="eur">5118000000</ifrs-full:NoncurrentLiabilities>
    <ifrs-full:NoncurrentLiabilities contextRef="c-1709" decimals="-6" id="f-3816" unitRef="eur">310000000</ifrs-full:NoncurrentLiabilities>
    <ifrs-full:NoncurrentLiabilities contextRef="c-1710" decimals="-6" id="f-3817" unitRef="eur">578000000</ifrs-full:NoncurrentLiabilities>
    <ifrs-full:NoncurrentLiabilities contextRef="c-1711" decimals="-6" id="f-3818" unitRef="eur">21021000000</ifrs-full:NoncurrentLiabilities>
    <ifrs-full:NoncurrentLiabilities contextRef="c-1712" decimals="-6" id="f-3819" unitRef="eur">1726000000</ifrs-full:NoncurrentLiabilities>
    <ifrs-full:NoncurrentLiabilities contextRef="c-1713" decimals="-6" id="f-3820" unitRef="eur">35000000</ifrs-full:NoncurrentLiabilities>
    <ifrs-full:NoncurrentLiabilities contextRef="c-1714" decimals="-6" id="f-3821" unitRef="eur">1715000000</ifrs-full:NoncurrentLiabilities>
    <ifrs-full:NoncurrentLiabilities contextRef="c-1715" decimals="-6" id="f-3822" unitRef="eur">1480000000</ifrs-full:NoncurrentLiabilities>
    <ifrs-full:NoncurrentLiabilities contextRef="c-1716" decimals="-6" id="f-3823" unitRef="eur">1627000000</ifrs-full:NoncurrentLiabilities>
    <ifrs-full:NoncurrentLiabilities contextRef="c-1717" decimals="-6" id="f-3824" unitRef="eur">1243000000</ifrs-full:NoncurrentLiabilities>
    <ifrs-full:NoncurrentLiabilities contextRef="c-1718" decimals="-6" id="f-3825" unitRef="eur">1924000000</ifrs-full:NoncurrentLiabilities>
    <ifrs-full:Liabilities contextRef="c-1708" decimals="-6" id="f-3826" unitRef="eur">5958000000</ifrs-full:Liabilities>
    <ifrs-full:Liabilities contextRef="c-1709" decimals="-6" id="f-3827" unitRef="eur">817000000</ifrs-full:Liabilities>
    <ifrs-full:Liabilities contextRef="c-1710" decimals="-6" id="f-3828" unitRef="eur">832000000</ifrs-full:Liabilities>
    <ifrs-full:Liabilities contextRef="c-1711" decimals="-6" id="f-3829" unitRef="eur">21678000000</ifrs-full:Liabilities>
    <ifrs-full:Liabilities contextRef="c-1712" decimals="-6" id="f-3830" unitRef="eur">1912000000</ifrs-full:Liabilities>
    <ifrs-full:Liabilities contextRef="c-1713" decimals="-6" id="f-3831" unitRef="eur">350000000</ifrs-full:Liabilities>
    <ifrs-full:Liabilities contextRef="c-1714" decimals="-6" id="f-3832" unitRef="eur">8645000000</ifrs-full:Liabilities>
    <ifrs-full:Liabilities contextRef="c-1715" decimals="-6" id="f-3833" unitRef="eur">5165000000</ifrs-full:Liabilities>
    <ifrs-full:Liabilities contextRef="c-1716" decimals="-6" id="f-3834" unitRef="eur">1637000000</ifrs-full:Liabilities>
    <ifrs-full:Liabilities contextRef="c-1717" decimals="-6" id="f-3835" unitRef="eur">1383000000</ifrs-full:Liabilities>
    <ifrs-full:Liabilities contextRef="c-1718" decimals="-6" id="f-3836" unitRef="eur">2036000000</ifrs-full:Liabilities>
    <ifrs-full:ProfitLoss contextRef="c-1719" decimals="-6" id="f-3837" unitRef="eur">284000000</ifrs-full:ProfitLoss>
    <ifrs-full:ProfitLoss contextRef="c-1720" decimals="-6" id="f-3838" unitRef="eur">16000000</ifrs-full:ProfitLoss>
    <ifrs-full:ProfitLoss contextRef="c-1721" decimals="-6" id="f-3839" unitRef="eur">87000000</ifrs-full:ProfitLoss>
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    <ifrs-full:AccumulatedOtherComprehensiveIncome contextRef="c-1714" decimals="-6" id="f-3854" unitRef="eur">114000000</ifrs-full:AccumulatedOtherComprehensiveIncome>
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    <ifrs-full:AccumulatedOtherComprehensiveIncome contextRef="c-1716" decimals="-6" id="f-3856" unitRef="eur">0</ifrs-full:AccumulatedOtherComprehensiveIncome>
    <ifrs-full:AccumulatedOtherComprehensiveIncome contextRef="c-1717" decimals="-6" id="f-3857" unitRef="eur">-21000000</ifrs-full:AccumulatedOtherComprehensiveIncome>
    <ifrs-full:AccumulatedOtherComprehensiveIncome contextRef="c-1718" decimals="-6" id="f-3858" unitRef="eur">4000000</ifrs-full:AccumulatedOtherComprehensiveIncome>
    <san:RestOfEquity contextRef="c-1708" decimals="-6" id="f-3859" unitRef="eur">7228000000</san:RestOfEquity>
    <san:RestOfEquity contextRef="c-1709" decimals="-6" id="f-3860" unitRef="eur">1581000000</san:RestOfEquity>
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    <san:RestOfEquity contextRef="c-1711" decimals="-6" id="f-3862" unitRef="eur">445000000</san:RestOfEquity>
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    <san:RestOfEquity contextRef="c-1713" decimals="-6" id="f-3864" unitRef="eur">333000000</san:RestOfEquity>
    <san:RestOfEquity contextRef="c-1714" decimals="-6" id="f-3865" unitRef="eur">589000000</san:RestOfEquity>
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    <ifrs-full:Equity contextRef="c-1711" decimals="-6" id="f-3873" unitRef="eur">946000000</ifrs-full:Equity>
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    <ifrs-full:Equity contextRef="c-1713" decimals="-6" id="f-3875" unitRef="eur">430000000</ifrs-full:Equity>
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    <ifrs-full:Equity contextRef="c-1715" decimals="-6" id="f-3877" unitRef="eur">522000000</ifrs-full:Equity>
    <ifrs-full:Equity contextRef="c-1716" decimals="-6" id="f-3878" unitRef="eur">463000000</ifrs-full:Equity>
    <ifrs-full:Equity contextRef="c-1717" decimals="-6" id="f-3879" unitRef="eur">484000000</ifrs-full:Equity>
    <ifrs-full:Equity contextRef="c-1718" decimals="-6" id="f-3880" unitRef="eur">195000000</ifrs-full:Equity>
    <ifrs-full:EquityAndLiabilities contextRef="c-1708" decimals="-6" id="f-3881" unitRef="eur">13459000000</ifrs-full:EquityAndLiabilities>
    <ifrs-full:EquityAndLiabilities contextRef="c-1709" decimals="-6" id="f-3882" unitRef="eur">2414000000</ifrs-full:EquityAndLiabilities>
    <ifrs-full:EquityAndLiabilities contextRef="c-1710" decimals="-6" id="f-3883" unitRef="eur">1341000000</ifrs-full:EquityAndLiabilities>
    <ifrs-full:EquityAndLiabilities contextRef="c-1711" decimals="-6" id="f-3884" unitRef="eur">22624000000</ifrs-full:EquityAndLiabilities>
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    <ifrs-full:EquityAndLiabilities contextRef="c-1714" decimals="-6" id="f-3887" unitRef="eur">9273000000</ifrs-full:EquityAndLiabilities>
    <ifrs-full:EquityAndLiabilities contextRef="c-1715" decimals="-6" id="f-3888" unitRef="eur">5687000000</ifrs-full:EquityAndLiabilities>
    <ifrs-full:EquityAndLiabilities contextRef="c-1716" decimals="-6" id="f-3889" unitRef="eur">2100000000</ifrs-full:EquityAndLiabilities>
    <ifrs-full:EquityAndLiabilities contextRef="c-1717" decimals="-6" id="f-3890" unitRef="eur">1867000000</ifrs-full:EquityAndLiabilities>
    <ifrs-full:EquityAndLiabilities contextRef="c-1718" decimals="-6" id="f-3891" unitRef="eur">2231000000</ifrs-full:EquityAndLiabilities>
    <ifrs-full:ProfitLossFromOperatingActivities contextRef="c-1719" decimals="-6" id="f-3892" unitRef="eur">544000000</ifrs-full:ProfitLossFromOperatingActivities>
    <ifrs-full:ProfitLossFromOperatingActivities contextRef="c-1720" decimals="-6" id="f-3893" unitRef="eur">658000000</ifrs-full:ProfitLossFromOperatingActivities>
    <ifrs-full:ProfitLossFromOperatingActivities contextRef="c-1721" decimals="-6" id="f-3894" unitRef="eur">457000000</ifrs-full:ProfitLossFromOperatingActivities>
    <ifrs-full:ProfitLossFromOperatingActivities contextRef="c-1722" decimals="-6" id="f-3895" unitRef="eur">4559000000</ifrs-full:ProfitLossFromOperatingActivities>
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    <ifrs-full:ProfitLossFromOperatingActivities contextRef="c-1726" decimals="-6" id="f-3899" unitRef="eur">426000000</ifrs-full:ProfitLossFromOperatingActivities>
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    <ifrs-full:ProfitLossFromOperatingActivities contextRef="c-1729" decimals="-6" id="f-3902" unitRef="eur">312000000</ifrs-full:ProfitLossFromOperatingActivities>
    <ifrs-full:ProfitLossFromContinuingOperations contextRef="c-1719" decimals="-6" id="f-3903" unitRef="eur">284000000</ifrs-full:ProfitLossFromContinuingOperations>
    <ifrs-full:ProfitLossFromContinuingOperations contextRef="c-1720" decimals="-6" id="f-3904" unitRef="eur">16000000</ifrs-full:ProfitLossFromContinuingOperations>
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    <ifrs-full:ProfitLossFromContinuingOperations contextRef="c-1723" decimals="-6" id="f-3907" unitRef="eur">101000000</ifrs-full:ProfitLossFromContinuingOperations>
    <ifrs-full:ProfitLossFromContinuingOperations contextRef="c-1724" decimals="-6" id="f-3908" unitRef="eur">97000000</ifrs-full:ProfitLossFromContinuingOperations>
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    <san:DisclosureOfInsuranceContractsLinkedToPensionsTextBlock contextRef="c-1" id="f-3925">Insurance contracts linked to pensions &lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Insurance contracts linked to pensions in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.622%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.518%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.360%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.360%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.362%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets relating to insurance contracts covering post-employment benefit plan obligations:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;67&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;81&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;93&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;67&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;81&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;93&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfInsuranceContractsLinkedToPensionsTextBlock>
    <san:DisclosureOfAmountsArisingFromInsuranceContractsLinkedToPensionsTableTextBlock contextRef="c-1" id="f-3926">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Insurance contracts linked to pensions in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.622%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.518%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.360%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.360%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.362%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets relating to insurance contracts covering post-employment benefit plan obligations:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;67&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;81&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;93&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;67&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;81&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;93&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfAmountsArisingFromInsuranceContractsLinkedToPensionsTableTextBlock>
    <ifrs-full:InsuranceContractsIssuedThatAreAssets contextRef="c-1730" decimals="-6" id="f-3927" unitRef="eur">67000000</ifrs-full:InsuranceContractsIssuedThatAreAssets>
    <ifrs-full:InsuranceContractsIssuedThatAreAssets contextRef="c-1731" decimals="-6" id="f-3928" unitRef="eur">81000000</ifrs-full:InsuranceContractsIssuedThatAreAssets>
    <ifrs-full:InsuranceContractsIssuedThatAreAssets contextRef="c-1732" decimals="-6" id="f-3929" unitRef="eur">93000000</ifrs-full:InsuranceContractsIssuedThatAreAssets>
    <ifrs-full:InsuranceContractsIssuedThatAreAssets contextRef="c-2" decimals="-6" id="f-3930" unitRef="eur">67000000</ifrs-full:InsuranceContractsIssuedThatAreAssets>
    <ifrs-full:InsuranceContractsIssuedThatAreAssets contextRef="c-3" decimals="-6" id="f-3931" unitRef="eur">81000000</ifrs-full:InsuranceContractsIssuedThatAreAssets>
    <ifrs-full:InsuranceContractsIssuedThatAreAssets contextRef="c-4" decimals="-6" id="f-3932" unitRef="eur">93000000</ifrs-full:InsuranceContractsIssuedThatAreAssets>
    <ifrs-full:DisclosureOfInsuranceContractsExplanatory contextRef="c-1" id="f-3933">Liabilities under insurance contracts&lt;div style="margin-bottom:9pt;margin-top:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Liabilities under insurance contracts and reinsurance assets in the consolidated balance sheets (see                              note&#160;2.i) is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.162%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:41.294%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.288%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.582%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.436%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities under insurance contracts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,737&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,829&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,799&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Liability for Remaining Coverage (LRC)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,291&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,377&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,333&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Liabilities relating to insurance contracts measured under BBA/VFA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,194&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Current value of future cashflows (PVFCF)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17,461&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16,614&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16,627&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Risk adjustment for non-financial risk (RA)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;199&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Contractual service margin (CSM)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;547&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;424&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Liabilities relating to insurance contracts measured under PAA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;97&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;85&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Liability for incurred claims (LIC)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;466&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The balance of liabilities under insurance contracts reflected in the consolidated balance sheet includes the following elements:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Liability for Remaining Coverage (LRC): amount of obligations provisioned to meet the fulfilment of future services assigned to the group on a date for a specific coverage period.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.6pt"&gt;Liabilities relating to insurance contracts measured under BBA/VFA, formed from the sum of the following elements:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;-&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt"&gt;Current value of future cashflows (PVFCF): present value of future inflow and outflow cash flows weighted by their probability of occurrence.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;-&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt"&gt;Risk adjustment for non-financial risk (RA): reflects compensation for the uncertainty of cash flows by quantifying the amount necessary to compensate for unexpected losses in liability flows.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;padding-left:21.26pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;-&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.9pt"&gt;Contractual service margin (CSM): future benefit to be recognized during the coverage period. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.6pt"&gt;Liabilities relating to insurance contracts measured under PAA, valued using the premium allocation method, represent the portion of premiums written for the remaining hedge net of acquisition expenses.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Liability for Incurred Claims (LIC): amount of obligations provisioned to meet the fulfilment of past services assigned to the group on a date. &lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The insurance activity is carried out mainly in the life insurance sector in its life-savings modality. Within the amount of liabilities for insurance contracts, Individual Life Annuities are the product that has the greatest weight in the consolidated balance sheet. This product consists of life annuities where the client contributes a single premium and receives a constant and periodic insured income (monthly, quarterly, semi-annual or annual) until his death where, at that time, the beneficiaries will receive the insured capital of 102% or 101% of the premium contributed. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The income and expenses recorded in the profit and loss account for the insurance activity, including reinsurance income and expenses, are not material in the Group's consolidated annual accounts.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;</ifrs-full:DisclosureOfInsuranceContractsExplanatory>
    <san:DisclosureOfNetGrossAndReinsurersShareForAmountsArisingFromInsuranceContractsExplanatory contextRef="c-1" id="f-3934">&lt;div style="margin-bottom:9pt;margin-top:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Liabilities under insurance contracts and reinsurance assets in the consolidated balance sheets (see                              note&#160;2.i) is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.162%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:41.294%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.288%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.582%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.436%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities under insurance contracts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,737&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,829&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,799&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Liability for Remaining Coverage (LRC)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,291&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,377&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,333&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Liabilities relating to insurance contracts measured under BBA/VFA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,194&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Current value of future cashflows (PVFCF)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17,461&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16,614&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16,627&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Risk adjustment for non-financial risk (RA)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;199&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Contractual service margin (CSM)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;547&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;424&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Liabilities relating to insurance contracts measured under PAA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;97&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;85&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Liability for incurred claims (LIC)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;466&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfNetGrossAndReinsurersShareForAmountsArisingFromInsuranceContractsExplanatory>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-2" decimals="-6" id="f-3935" unitRef="eur">18737000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3" decimals="-6" id="f-3936" unitRef="eur">17829000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-4" decimals="-6" id="f-3937" unitRef="eur">17799000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1733" decimals="-6" id="f-3938" unitRef="eur">18291000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1734" decimals="-6" id="f-3939" unitRef="eur">17377000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1735" decimals="-6" id="f-3940" unitRef="eur">17333000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1736" decimals="-6" id="f-3941" unitRef="eur">18194000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1737" decimals="-6" id="f-3942" unitRef="eur">17292000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1738" decimals="-6" id="f-3943" unitRef="eur">17262000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1739" decimals="-6" id="f-3944" unitRef="eur">17461000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1740" decimals="-6" id="f-3945" unitRef="eur">16614000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1741" decimals="-6" id="f-3946" unitRef="eur">16627000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1742" decimals="-6" id="f-3947" unitRef="eur">186000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1743" decimals="-6" id="f-3948" unitRef="eur">199000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1744" decimals="-6" id="f-3949" unitRef="eur">211000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1745" decimals="-6" id="f-3950" unitRef="eur">547000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1746" decimals="-6" id="f-3951" unitRef="eur">479000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1747" decimals="-6" id="f-3952" unitRef="eur">424000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1748" decimals="-6" id="f-3953" unitRef="eur">97000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1749" decimals="-6" id="f-3954" unitRef="eur">85000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1750" decimals="-6" id="f-3955" unitRef="eur">71000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1751" decimals="-6" id="f-3956" unitRef="eur">446000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1752" decimals="-6" id="f-3957" unitRef="eur">452000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-1753" decimals="-6" id="f-3958" unitRef="eur">466000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <san:InsuredCapitalOfPremiumContributedPercentageReceivedByBeneficiaries
      contextRef="c-1754"
      decimals="2"
      id="f-3959"
      unitRef="number">1.02</san:InsuredCapitalOfPremiumContributedPercentageReceivedByBeneficiaries>
    <san:InsuredCapitalOfPremiumContributedPercentageReceivedByBeneficiaries
      contextRef="c-1755"
      decimals="2"
      id="f-3960"
      unitRef="number">1.01</san:InsuredCapitalOfPremiumContributedPercentageReceivedByBeneficiaries>
    <ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory contextRef="c-1" id="f-3961">Tangible assets&lt;div style="margin-bottom:6pt;padding-right:263.62pt"&gt;&lt;span id="i0340b9d2788b4c1899c6ed0bceebd85f"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Changes&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in Tangible assets in the consolidated balance sheets were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.587%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.178%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.969%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.389%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.736%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.973%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which: &lt;br/&gt;For leasing&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;For&#160;own&#160;use&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Leased out&#160;under&lt;br/&gt;an&#160;operating&lt;br/&gt;lease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Investment&lt;br/&gt;property&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;For&#160;own&#160;use&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Leased out&#160;under&lt;br/&gt;an&#160;operating&lt;br/&gt;lease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Investment&lt;br/&gt;property&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at 1 January 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,570&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,166&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53,316&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Additions / disposals (net) due to change in the scope of consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Additions / disposals (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;742&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(34)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,830&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;125&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers, exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,460)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(641)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,071)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26,243&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;25,304&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,576&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;53,123&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,837&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,837&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Additions / disposals (net) due to change in the scope of consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,192)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,164)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Additions / disposals (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;730&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,716)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,003)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;179&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;179&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers, exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,345)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(104)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(446)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(235)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(235)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;25,656&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,399&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,455&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;50,510&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,781&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,781&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Additions / disposals (net) due to change in the scope of consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Additions / disposals (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;326&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,603)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(58)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,335)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(40)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers, exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,845)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,743)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;188&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,400)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(450)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(450)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;24,141&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,053&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,592&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;44,786&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,291&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,291&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:8pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Accumulated depreciation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balances at 1 January 2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12,892)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,578)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(172)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(18,642)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,265)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,265)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals due to change in the scope of consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,540&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,824&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Charge for the&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,689)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,700)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(580)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(580)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers, exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,653&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,744)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,107)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;Balance at 31 December 2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(12,637)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5,782)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(199)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(18,618)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,609)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,609)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals due to change in the scope of consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;686&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;686&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;672&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,214&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,886&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;196&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;196&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Charge for the&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,544)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,553)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(460)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(460)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers, exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;890&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,902)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,966)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2024&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(12,619)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(4,784)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(162)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(17,565)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,814)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,814)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals due to change in the scope of consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,091&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Charge for the&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,323)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,331)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(405)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(405)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers, exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,917)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(799)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2025&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(12,129)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(4,273)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(202)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(16,604)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,661)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,661)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt; Includes contract extensions on operating leases and repurchases.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.913%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.736%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.380%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.389%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.620%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.736%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which: &lt;br/&gt;For leasing&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;For&#160;own&#160;use&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Leased out&#160;under&lt;br/&gt;an&#160;operating&lt;br/&gt;lease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Investment&lt;br/&gt;property&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;For&#160;own&#160;use&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Leased out&#160;under&lt;br/&gt;an&#160;operating&lt;br/&gt;lease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Investment&lt;br/&gt;property&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Impairment losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at 1 January 2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(189)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(33)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(379)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(601)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment charge for the&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(113)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(154)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Releases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals due to change in the scope of consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;73&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(198)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(421)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(623)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment charge for the&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(276)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(81)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(427)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Releases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals due to change in the scope of consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;94&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2024&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(401)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(39)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(418)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(858)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(49)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(49)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment charge for the&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(172)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(79)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Releases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals due to change in the scope of consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;166&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2025&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(349)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(27)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(368)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(744)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(74)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(74)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Tangible assets, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balances at 31 December 2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,408&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,518&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;956&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,882&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,183&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,183&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balances at 31 December 2024&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;875&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,087&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,918&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,918&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balances at 31 December 2025&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,663&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,753&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,022&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;27,438&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,556&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,556&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt;padding-right:263.62pt"&gt;&lt;span id="ie70e308cec65483b850a98316c6d2a29"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Tangible assets - For own use&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by class of asset, of 'Property, plant and equipment' which is owned by the Group in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:15pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:48.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.754%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Tangible assets for own use&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which: &lt;br/&gt;for leasing&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Accumulated&lt;br/&gt;depreciation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Impairment&lt;br/&gt;losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Carrying&lt;br/&gt;amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Land and buildings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,973&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,010)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(154)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,809&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,104&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;IT equipment and fixtures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,614&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,154)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,460&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;60&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Furniture and vehicles&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,424)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,988&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Construction in progress and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;244&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(49)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(44)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26,243&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(12,637)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(198)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,408&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,183&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Land and buildings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,113&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,516)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(353)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,244&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,882&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;IT equipment and fixtures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,926)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Furniture and vehicles&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,963&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,130)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,833&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Construction in progress and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(47)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(48)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;202&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;25,656&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(12,619)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(401)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,636&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,918&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Land and buildings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,067&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,359)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(304)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,404&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,536&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;IT equipment and fixtures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,204&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,003)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Furniture and vehicles&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,548&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,746)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Construction in progress and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(34)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;24,141&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(12,129)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(349)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,663&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,556&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The carrying amount at 31 December 2025 in the foregoing table includes the following approximate amounts EUR 6,545 million (EUR 6,531 million at 31 December 2024 and EUR 7,119 million at 31 December 2023) relating to property, plant and equipment owned by group entities and branches located abroad.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="ie44cf85f37334d84a1cbcb2c9720d4fa"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;c) Tangible assets - Leased out under an operating lease&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander has assets leased out under operating leases where the company is the lessor and do not meet the accounting requirements to be classified as finance leases. The net cost of these leases is recorded as an asset and depreciated on a straight-line basis over the contractual term of the lease to the expected residual value.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The expected residual value and, consequently, the monthly depreciation expense may change during the term of the lease. The Group estimates expected residual values using independent data sources and internal statistical models. It also assesses the estimate of the residual value of these leases and adjusts the depreciation rate in line with the change in the expected value of the asset at the end of the lease.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander periodically assesses its investment in operating leases for impairment in certain circumstances, such as a systemic and material decrease in the values of used vehicles. If assets leased out under operating leases are deemed to be impaired, impairment is measured as the amount by which the carrying amount of the assets exceeds the fair value as estimated by discounted cash flows.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Of the 14,753 EUR million that the Group had assigned to operating leases at 31 December 2025 (18,576 EUR and 19,518 EUR at 31 December 2024  and 2023, respectively), EUR 7,227 million (EUR 11,336 and EUR 12,525 at 31 December 2024 and 2023, respectively) relate to vehicles of Santander US Auto's business. The variable lease payments of various items of this business are not significant.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, the maturity analysis of the assets leased out under operating leases from Santander US Auto, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:84.393%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Maturity Analysis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,988&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;330&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="ib69bf162a10d4e59976880d4d60982d1"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;d) Tangible assets - Investment property&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The fair value of investment property at 31 December 2025, 2024, 2023 amounted to EUR 1,194, 1,041 and 1,163 million, respectively. A comparison of the fair value of investment property at 31 December 2025, 2024 and 2023 with the net book value shows gross unrealised gains of EUR 172, 166 and 207 million, respectively, attributed completely to the group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The rental income earned from investment property and the direct costs related both to investment properties that generated rental income in 2025, 2024 and 2023 and to investment properties that did not generate rental income in those years are not material in the context of the consolidated financial statements.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;</ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory>
    <san:DisclosureOfChangesInTangibleAssetsTableTextBlock contextRef="c-1" id="f-3962">&lt;div style="padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in Tangible assets in the consolidated balance sheets were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.587%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.178%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.969%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.389%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.736%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.973%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which: &lt;br/&gt;For leasing&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;For&#160;own&#160;use&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Leased out&#160;under&lt;br/&gt;an&#160;operating&lt;br/&gt;lease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Investment&lt;br/&gt;property&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;For&#160;own&#160;use&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Leased out&#160;under&lt;br/&gt;an&#160;operating&lt;br/&gt;lease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Investment&lt;br/&gt;property&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at 1 January 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,570&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,166&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53,316&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Additions / disposals (net) due to change in the scope of consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Additions / disposals (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;742&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(34)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,830&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;125&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers, exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,460)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(641)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,071)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26,243&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;25,304&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,576&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;53,123&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,837&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,837&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Additions / disposals (net) due to change in the scope of consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,192)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,164)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Additions / disposals (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;730&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,716)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,003)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;179&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;179&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers, exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,345)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(104)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(446)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(235)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(235)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;25,656&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,399&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,455&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;50,510&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,781&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,781&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Additions / disposals (net) due to change in the scope of consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Additions / disposals (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;326&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,603)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(58)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,335)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(40)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers, exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,845)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,743)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;188&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,400)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(450)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(450)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;24,141&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,053&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,592&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;44,786&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,291&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,291&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:8pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Accumulated depreciation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balances at 1 January 2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12,892)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,578)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(172)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(18,642)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,265)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,265)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals due to change in the scope of consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,540&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,824&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Charge for the&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,689)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,700)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(580)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(580)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers, exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,653&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,744)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,107)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;Balance at 31 December 2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(12,637)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5,782)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(199)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(18,618)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,609)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,609)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals due to change in the scope of consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;686&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;686&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;672&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,214&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,886&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;196&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;196&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Charge for the&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,544)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,553)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(460)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(460)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers, exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;890&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,902)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,966)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2024&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(12,619)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(4,784)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(162)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(17,565)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,814)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,814)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals due to change in the scope of consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,091&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Charge for the&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,323)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,331)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(405)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(405)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfers, exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,917)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(799)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2025&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(12,129)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(4,273)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(202)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(16,604)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,661)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,661)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt; Includes contract extensions on operating leases and repurchases.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.913%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.736%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.380%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.389%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.620%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.736%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which: &lt;br/&gt;For leasing&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;For&#160;own&#160;use&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Leased out&#160;under&lt;br/&gt;an&#160;operating&lt;br/&gt;lease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Investment&lt;br/&gt;property&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;For&#160;own&#160;use&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Leased out&#160;under&lt;br/&gt;an&#160;operating&lt;br/&gt;lease&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Investment&lt;br/&gt;property&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Impairment losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at 1 January 2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(189)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(33)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(379)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(601)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment charge for the&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(113)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(154)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Releases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals due to change in the scope of consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;73&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(198)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(421)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(623)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment charge for the&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(276)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(81)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(427)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Releases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals due to change in the scope of consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;94&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2024&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(401)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(39)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(418)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(858)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(49)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(49)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment charge for the&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(172)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(79)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Releases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals due to change in the scope of consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;166&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2025&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(349)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(27)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(368)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(744)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(74)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(74)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Tangible assets, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balances at 31 December 2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,408&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,518&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;956&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,882&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,183&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,183&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balances at 31 December 2024&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;875&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,087&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,918&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,918&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balances at 31 December 2025&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,663&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,753&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,022&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;27,438&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,556&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment contextRef="c-1910" decimals="-6" id="f-4303" unitRef="eur">41000000</ifrs-full:ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment contextRef="c-1911" decimals="-6" id="f-4304" unitRef="eur">0</ifrs-full:ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment contextRef="c-1912" decimals="-6" id="f-4305" unitRef="eur">0</ifrs-full:ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment contextRef="c-1913" decimals="-6" id="f-4306" unitRef="eur">41000000</ifrs-full:ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment>
    <ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment contextRef="c-1906" decimals="-6" id="f-4307" unitRef="eur">41000000</ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment>
    <ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment contextRef="c-1907" decimals="-6" id="f-4308" unitRef="eur">71000000</ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment>
    <ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment contextRef="c-1908" decimals="-6" id="f-4309" unitRef="eur">25000000</ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment>
    <ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment contextRef="c-1909" decimals="-6" id="f-4310" unitRef="eur">137000000</ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment>
    <ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment contextRef="c-1910" decimals="-6" id="f-4311" unitRef="eur">1000000</ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment>
    <ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment contextRef="c-1911" decimals="-6" id="f-4312" unitRef="eur">0</ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment>
    <ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment contextRef="c-1912" decimals="-6" id="f-4313" unitRef="eur">0</ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment>
    <ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment contextRef="c-1913" decimals="-6" id="f-4314" unitRef="eur">1000000</ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment>
    <san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation contextRef="c-1906" decimals="-6" id="f-4315" unitRef="eur">0</san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation>
    <san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation contextRef="c-1907" decimals="-6" id="f-4316" unitRef="eur">0</san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation>
    <san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation contextRef="c-1908" decimals="-6" id="f-4317" unitRef="eur">0</san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation>
    <san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation contextRef="c-1909" decimals="-6" id="f-4318" unitRef="eur">0</san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation>
    <san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation contextRef="c-1910" decimals="-6" id="f-4319" unitRef="eur">0</san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation>
    <san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation contextRef="c-1911" decimals="-6" id="f-4320" unitRef="eur">0</san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation>
    <san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation contextRef="c-1912" decimals="-6" id="f-4321" unitRef="eur">0</san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation>
    <san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation contextRef="c-1913" decimals="-6" id="f-4322" unitRef="eur">0</san:NetOfAdditionsAndDisposalsToPropertyPlantAndEquipmentDueToChangeInScopeOfConsolidation>
    <san:AdditionsAndDisposalsToPropertyPlantAndEquipment contextRef="c-1906" decimals="-6" id="f-4323" unitRef="eur">17000000</san:AdditionsAndDisposalsToPropertyPlantAndEquipment>
    <san:AdditionsAndDisposalsToPropertyPlantAndEquipment contextRef="c-1907" decimals="-6" id="f-4324" unitRef="eur">17000000</san:AdditionsAndDisposalsToPropertyPlantAndEquipment>
    <san:AdditionsAndDisposalsToPropertyPlantAndEquipment contextRef="c-1908" decimals="-6" id="f-4325" unitRef="eur">0</san:AdditionsAndDisposalsToPropertyPlantAndEquipment>
    <san:AdditionsAndDisposalsToPropertyPlantAndEquipment contextRef="c-1909" decimals="-6" id="f-4326" unitRef="eur">34000000</san:AdditionsAndDisposalsToPropertyPlantAndEquipment>
    <san:AdditionsAndDisposalsToPropertyPlantAndEquipment contextRef="c-1910" decimals="-6" id="f-4327" unitRef="eur">6000000</san:AdditionsAndDisposalsToPropertyPlantAndEquipment>
    <san:AdditionsAndDisposalsToPropertyPlantAndEquipment contextRef="c-1911" decimals="-6" id="f-4328" unitRef="eur">0</san:AdditionsAndDisposalsToPropertyPlantAndEquipment>
    <san:AdditionsAndDisposalsToPropertyPlantAndEquipment contextRef="c-1912" decimals="-6" id="f-4329" unitRef="eur">0</san:AdditionsAndDisposalsToPropertyPlantAndEquipment>
    <san:AdditionsAndDisposalsToPropertyPlantAndEquipment contextRef="c-1913" decimals="-6" id="f-4330" unitRef="eur">6000000</san:AdditionsAndDisposalsToPropertyPlantAndEquipment>
    <san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment contextRef="c-1906" decimals="-6" id="f-4331" unitRef="eur">166000000</san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment>
    <san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment contextRef="c-1907" decimals="-6" id="f-4332" unitRef="eur">3000000</san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment>
    <san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment contextRef="c-1908" decimals="-6" id="f-4333" unitRef="eur">40000000</san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment>
    <san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment contextRef="c-1909" decimals="-6" id="f-4334" unitRef="eur">209000000</san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment>
    <san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment contextRef="c-1910" decimals="-6" id="f-4335" unitRef="eur">9000000</san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment>
    <san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment contextRef="c-1911" decimals="-6" id="f-4336" unitRef="eur">0</san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment>
    <san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment contextRef="c-1912" decimals="-6" id="f-4337" unitRef="eur">0</san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment>
    <san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment contextRef="c-1913" decimals="-6" id="f-4338" unitRef="eur">9000000</san:IncreaseDecreaseThroughTransfersExchangeDifferencesAndOtherItemsInPropertyPlantAndEquipment>
    <san:TangibleAssets contextRef="c-1914" decimals="-6" id="f-4339" unitRef="eur">-349000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1915" decimals="-6" id="f-4340" unitRef="eur">-27000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1916" decimals="-6" id="f-4341" unitRef="eur">-368000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-970" decimals="-6" id="f-4342" unitRef="eur">-744000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1917" decimals="-6" id="f-4343" unitRef="eur">-74000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1918" decimals="-6" id="f-4344" unitRef="eur">0</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1919" decimals="-6" id="f-4345" unitRef="eur">0</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1920" decimals="-6" id="f-4346" unitRef="eur">-74000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1921" decimals="-6" id="f-4347" unitRef="eur">13408000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1922" decimals="-6" id="f-4348" unitRef="eur">19518000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1923" decimals="-6" id="f-4349" unitRef="eur">956000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-4" decimals="-6" id="f-4350" unitRef="eur">33882000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1924" decimals="-6" id="f-4351" unitRef="eur">2183000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1925" decimals="-6" id="f-4352" unitRef="eur">0</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1926" decimals="-6" id="f-4353" unitRef="eur">0</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1927" decimals="-6" id="f-4354" unitRef="eur">2183000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1928" decimals="-6" id="f-4355" unitRef="eur">12636000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1929" decimals="-6" id="f-4356" unitRef="eur">18576000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1930" decimals="-6" id="f-4357" unitRef="eur">875000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-3" decimals="-6" id="f-4358" unitRef="eur">32087000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1931" decimals="-6" id="f-4359" unitRef="eur">1918000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1932" decimals="-6" id="f-4360" unitRef="eur">0</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1933" decimals="-6" id="f-4361" unitRef="eur">0</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1934" decimals="-6" id="f-4362" unitRef="eur">1918000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1935" decimals="-6" id="f-4363" unitRef="eur">11663000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1936" decimals="-6" id="f-4364" unitRef="eur">14753000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1937" decimals="-6" id="f-4365" unitRef="eur">1022000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-2" decimals="-6" id="f-4366" unitRef="eur">27438000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1938" decimals="-6" id="f-4367" unitRef="eur">1556000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1939" decimals="-6" id="f-4368" unitRef="eur">0</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1940" decimals="-6" id="f-4369" unitRef="eur">0</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1941" decimals="-6" id="f-4370" unitRef="eur">1556000000</san:TangibleAssets>
    <ifrs-full:DisclosureOfDetailedInformationAboutPropertyPlantAndEquipmentExplanatory contextRef="c-1" id="f-4371">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by class of asset, of 'Property, plant and equipment' which is owned by the Group in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:15pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:48.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.754%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Tangible assets for own use&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which: &lt;br/&gt;for leasing&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Accumulated&lt;br/&gt;depreciation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Impairment&lt;br/&gt;losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Carrying&lt;br/&gt;amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Land and buildings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,973&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,010)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(154)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,809&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,104&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;IT equipment and fixtures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,614&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,154)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,460&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;60&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Furniture and vehicles&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,424)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,988&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Construction in progress and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;244&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(49)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(44)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26,243&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(12,637)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(198)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,408&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,183&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Land and buildings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,113&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,516)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(353)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,244&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,882&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;IT equipment and fixtures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,926)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Furniture and vehicles&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,963&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,130)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,833&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Construction in progress and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(47)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(48)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;202&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;25,656&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(12,619)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(401)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,636&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,918&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Land and buildings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,067&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,359)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(304)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,404&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,536&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;IT equipment and fixtures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,204&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,003)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Furniture and vehicles&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,548&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,746)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Construction in progress and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(34)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;24,141&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(12,129)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(349)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,663&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,556&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfDetailedInformationAboutPropertyPlantAndEquipmentExplanatory>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1942" decimals="-6" id="f-4372" unitRef="eur">14973000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1943" decimals="-6" id="f-4373" unitRef="eur">-5010000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1944" decimals="-6" id="f-4374" unitRef="eur">-154000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1945" decimals="-6" id="f-4375" unitRef="eur">9809000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1946" decimals="-6" id="f-4376" unitRef="eur">2104000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1947" decimals="-6" id="f-4377" unitRef="eur">5614000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1948" decimals="-6" id="f-4378" unitRef="eur">-4154000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1949" decimals="-6" id="f-4379" unitRef="eur">0</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1950" decimals="-6" id="f-4380" unitRef="eur">1460000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1951" decimals="-6" id="f-4381" unitRef="eur">60000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1952" decimals="-6" id="f-4382" unitRef="eur">5412000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1953" decimals="-6" id="f-4383" unitRef="eur">-3424000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1954" decimals="-6" id="f-4384" unitRef="eur">0</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1955" decimals="-6" id="f-4385" unitRef="eur">1988000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1956" decimals="-6" id="f-4386" unitRef="eur">19000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1957" decimals="-6" id="f-4387" unitRef="eur">244000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1958" decimals="-6" id="f-4388" unitRef="eur">-49000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1959" decimals="-6" id="f-4389" unitRef="eur">-44000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1960" decimals="-6" id="f-4390" unitRef="eur">151000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1961" decimals="-6" id="f-4391" unitRef="eur">0</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1962" decimals="-6" id="f-4392" unitRef="eur">26243000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1963" decimals="-6" id="f-4393" unitRef="eur">-12637000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1964" decimals="-6" id="f-4394" unitRef="eur">-198000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1965" decimals="-6" id="f-4395" unitRef="eur">13408000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1966" decimals="-6" id="f-4396" unitRef="eur">2183000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1967" decimals="-6" id="f-4397" unitRef="eur">15113000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1968" decimals="-6" id="f-4398" unitRef="eur">-5516000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1969" decimals="-6" id="f-4399" unitRef="eur">-353000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1970" decimals="-6" id="f-4400" unitRef="eur">9244000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1971" decimals="-6" id="f-4401" unitRef="eur">1882000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1972" decimals="-6" id="f-4402" unitRef="eur">5283000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1973" decimals="-6" id="f-4403" unitRef="eur">-3926000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1974" decimals="-6" id="f-4404" unitRef="eur">0</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1975" decimals="-6" id="f-4405" unitRef="eur">1357000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1976" decimals="-6" id="f-4406" unitRef="eur">23000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1977" decimals="-6" id="f-4407" unitRef="eur">4963000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1978" decimals="-6" id="f-4408" unitRef="eur">-3130000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1979" decimals="-6" id="f-4409" unitRef="eur">0</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1980" decimals="-6" id="f-4410" unitRef="eur">1833000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1981" decimals="-6" id="f-4411" unitRef="eur">13000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1982" decimals="-6" id="f-4412" unitRef="eur">297000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1983" decimals="-6" id="f-4413" unitRef="eur">-47000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1984" decimals="-6" id="f-4414" unitRef="eur">-48000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1985" decimals="-6" id="f-4415" unitRef="eur">202000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1986" decimals="-6" id="f-4416" unitRef="eur">0</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1987" decimals="-6" id="f-4417" unitRef="eur">25656000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1988" decimals="-6" id="f-4418" unitRef="eur">-12619000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1989" decimals="-6" id="f-4419" unitRef="eur">-401000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1990" decimals="-6" id="f-4420" unitRef="eur">12636000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1991" decimals="-6" id="f-4421" unitRef="eur">1918000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1992" decimals="-6" id="f-4422" unitRef="eur">14067000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1993" decimals="-6" id="f-4423" unitRef="eur">-5359000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1994" decimals="-6" id="f-4424" unitRef="eur">-304000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1995" decimals="-6" id="f-4425" unitRef="eur">8404000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1996" decimals="-6" id="f-4426" unitRef="eur">1536000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1997" decimals="-6" id="f-4427" unitRef="eur">4204000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1998" decimals="-6" id="f-4428" unitRef="eur">-3003000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-1999" decimals="-6" id="f-4429" unitRef="eur">-10000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-2000" decimals="-6" id="f-4430" unitRef="eur">1191000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-2001" decimals="-6" id="f-4431" unitRef="eur">13000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-2002" decimals="-6" id="f-4432" unitRef="eur">5548000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-2003" decimals="-6" id="f-4433" unitRef="eur">-3746000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-2004" decimals="-6" id="f-4434" unitRef="eur">-1000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-2005" decimals="-6" id="f-4435" unitRef="eur">1801000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-2006" decimals="-6" id="f-4436" unitRef="eur">7000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-2007" decimals="-6" id="f-4437" unitRef="eur">322000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-2008" decimals="-6" id="f-4438" unitRef="eur">-21000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-2009" decimals="-6" id="f-4439" unitRef="eur">-34000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-2010" decimals="-6" id="f-4440" unitRef="eur">267000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-2011" decimals="-6" id="f-4441" unitRef="eur">0</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-2012" decimals="-6" id="f-4442" unitRef="eur">24141000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-2013" decimals="-6" id="f-4443" unitRef="eur">-12129000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-2014" decimals="-6" id="f-4444" unitRef="eur">-349000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-2015" decimals="-6" id="f-4445" unitRef="eur">11663000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-2016" decimals="-6" id="f-4446" unitRef="eur">1556000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-2017" decimals="-6" id="f-4447" unitRef="eur">6545000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-2018" decimals="-6" id="f-4448" unitRef="eur">6531000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets contextRef="c-2019" decimals="-6" id="f-4449" unitRef="eur">7119000000</ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets>
    <san:TangibleAssets contextRef="c-1936" decimals="-6" id="f-4450" unitRef="eur">14753000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1929" decimals="-6" id="f-4451" unitRef="eur">18576000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-1922" decimals="-6" id="f-4452" unitRef="eur">19518000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-2020" decimals="-6" id="f-4453" unitRef="eur">7227000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-2021" decimals="-6" id="f-4454" unitRef="eur">11336000000</san:TangibleAssets>
    <san:TangibleAssets contextRef="c-2022" decimals="-6" id="f-4455" unitRef="eur">12525000000</san:TangibleAssets>
    <ifrs-full:DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsExplanatory contextRef="c-1" id="f-4456">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, the maturity analysis of the assets leased out under operating leases from Santander US Auto, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:84.393%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Maturity Analysis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,988&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;330&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsExplanatory>
    <ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived contextRef="c-2023" decimals="-6" id="f-4457" unitRef="eur">3988000000</ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived>
    <ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived contextRef="c-2024" decimals="-6" id="f-4458" unitRef="eur">4228000000</ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived>
    <ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived contextRef="c-2025" decimals="-6" id="f-4459" unitRef="eur">1332000000</ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived>
    <ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived contextRef="c-2026" decimals="-6" id="f-4460" unitRef="eur">330000000</ifrs-full:UndiscountedOperatingLeasePaymentsToBeReceived>
    <ifrs-full:FairValueOfPropertyPlantAndEquipmentMateriallyDifferentFromCarryingAmount contextRef="c-1937" decimals="-6" id="f-4461" unitRef="eur">1194000000</ifrs-full:FairValueOfPropertyPlantAndEquipmentMateriallyDifferentFromCarryingAmount>
    <ifrs-full:FairValueOfPropertyPlantAndEquipmentMateriallyDifferentFromCarryingAmount contextRef="c-1930" decimals="-6" id="f-4462" unitRef="eur">1041000000</ifrs-full:FairValueOfPropertyPlantAndEquipmentMateriallyDifferentFromCarryingAmount>
    <ifrs-full:FairValueOfPropertyPlantAndEquipmentMateriallyDifferentFromCarryingAmount contextRef="c-1923" decimals="-6" id="f-4463" unitRef="eur">1163000000</ifrs-full:FairValueOfPropertyPlantAndEquipmentMateriallyDifferentFromCarryingAmount>
    <san:UnrealizedGainsLossesOnFairValueAdjustment contextRef="c-2027" decimals="-6" id="f-4464" unitRef="eur">172000000</san:UnrealizedGainsLossesOnFairValueAdjustment>
    <san:UnrealizedGainsLossesOnFairValueAdjustment contextRef="c-2028" decimals="-6" id="f-4465" unitRef="eur">166000000</san:UnrealizedGainsLossesOnFairValueAdjustment>
    <san:UnrealizedGainsLossesOnFairValueAdjustment contextRef="c-2029" decimals="-6" id="f-4466" unitRef="eur">207000000</san:UnrealizedGainsLossesOnFairValueAdjustment>
    <ifrs-full:DisclosureOfGoodwillExplanatory contextRef="c-1" id="f-4467">Intangible assets &#x2013; Goodwill&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of goodwill, based on the cash-generating units giving rise thereto, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:59.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.173%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander (Brasil) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,031&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,679&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;SAM Investment Holdings Limited&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,444&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,444&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,444&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Consumer Germany&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Portugal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Espa&#xf1;a&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;998&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;998&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;998&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander US Auto&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;943&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,068&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Holding USA (ex. Auto)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;865&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;814&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander UK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;641&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;612&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander - Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;470&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;482&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;516&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Grupo Financiero Santander (M&#xe9;xico)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;463&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;453&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;523&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ebury Partners&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;326&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;340&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;350&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Consumer Nordics&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;206&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Bank Polska&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,178&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Goodwill&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,958&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,438&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,017&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:10.91pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in goodwill were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.690%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.097%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,438&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,017&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,741&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Additions&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Ebury Partners&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfer to Assets held for sale (Notes 3 y 12)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,176)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(291)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(605)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;240&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,958&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,438&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,017&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;text-indent:10.91pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander has goodwill generated by cash-generating units located in non-euro currency countries (mainly Brazil, Poland, the United States, the United Kingdom, Chile, Mexico, Norway and Sweden) and, therefore, this gives rise to exchange differences on the translation to euros, at closing rates, of the amounts of goodwill denominated in foreign currencies. Accordingly, in 2025 there was a decrease of EUR 291 million (a decrease of EUR 605 million in 2024 and an increase of EUR 240 million in 2023), due to exchange differences and other items which, pursuant to current standards, were recognised with a change to 'Other comprehensive income - Items that may be reclassified to profit or loss - Exchange differences in other comprehensive income in the consolidated statement of recognised income and expense' (see note 29.d).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At least once per year (or whenever there is any indication of impairment), Grupo Santander performs an analysis of the potential impairment of its recorded goodwill with respect to its recoverable amount. The first step that must be taken in order to perform this analysis is the identification of the cash-generating units, which are the Group's smallest identifiable groups of assets that generate cash inflows that are largely independent of the cash flows of other assets or groups of assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The amount to be recovered of each cash-generating unit is determined taking into consideration the carrying amount (including any fair value adjustment arising on the business combination) of all the assets and liabilities of all the independent legal entities composing the cash-generating unit, together with the related goodwill.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The amount to be recovered of the cash-generating unit is compared with its recoverable amount in order to determine whether there is any impairment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander assesses the existence of any indication that might be considered to be evidence of impairment of the cash-generating unit by reviewing information including the following (i)&#160;certain macroeconomic variables that might affect its investments (population data, political situation, economic situation&#160;&#x2014;including banking concentration level&#x2014;, among others) and (ii)&#160;various microeconomic variables comparing the investments of the Group with the financial services industry of the country in which the cash-generating unit carries on most of its business activities (balance sheet composition, total funds under management, results, efficiency ratio, capital adequacy ratio, return on equity, among others).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Regardless of whether there is any indication of impairment, every&#160;year the Group calculates the recoverable amount of each cash-generating unit to which goodwill, has been allocated and, to this end, it uses price quotations, market references (multiples), internal estimates and valuations performed by internal and external experts.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Firstly, the Group determines the recoverable amount by calculating the fair value of each cash-generating unit on the basis of the quoted price of the cash-generating units, if available.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, the Group performs estimates of the recoverable amounts of certain cash-generating units by calculating their value in use using discounted cash flow projections. The main assumptions used in this calculation are (i)&#160;earnings projections based on the financial budgets approved by the Group&#x2019;s directors which cover between &lt;span style="-sec-ix-hidden:f-4539"&gt;three&lt;/span&gt; and five year periods (unless a longer time horizon can be justified), (ii)&#160;discount rates determined as the cost of capital taking into account the risk-free rate of return plus a risk premium in line with the market and the business in which the units operate and (iii)&#160;constant growth rates used in order to extrapolate earnings in perpetuity which do not exceed the long-term average growth rate for the market in which the cash-generating unit in question operates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The cash flow projections used by Group management to obtain the values in use are based on the financial budgets approved by both local management of the related local units and the Group&#x2019;s directors. The Group&#x2019;s budgetary estimation process is common for all the cash-generating units. The local management teams prepare their budgets using the following key assumptions:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a)&#160;&#160;&#160;&#160;Microeconomic variables of the cash-generating unit: management takes into consideration the current balance sheet structure, the product mix and the business decisions taken by local management in this regard.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b)&#160;&#160;&#160;&#160;Macroeconomic variables: growth is estimated on the basis of the changing environment, taking into consideration expected GDP growth in the unit&#x2019;s geographical location and forecast trends in interest and exchange rates. These data, which are based on external information sources, are provided by the Group&#x2019;s economic research service.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;c)&#160;&#160;&#160;&#160;Past performance variables: in addition, management takes into consideration in the projection the difference (both positive and negative) between the cash-generating unit&#x2019;s past performance and budgets.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;During 2025, the Group has recognised impairment losses of EUR 4 million of immaterial goodwill that has been recorded under the heading 'Impairment or reversal of the impairment of non-financial assets - Intangible assets' (EUR 4 million and EUR 20 million in 2024 and 2023, respectively). Goodwill is deducted from CET1 for regulatory purposes, so an impairment of goodwill has no impact on the Group's capital ratios.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following is a detail of the main assumptions taken into account in determining the recoverable amount, at 2025 year-end, of the most significant cash-generating units which were valued using the discounted cash flow method:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.754%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Projected period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Discount rate&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Nominal&lt;br/&gt;perpetual&lt;br/&gt;growth&#160;rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander UK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.4&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander US Auto&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.0%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Holding USA (ex. Auto)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.6&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.5%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Consumer Germany&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;SAM Investment Holdings, Limited&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Portugal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.6&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Post-tax discount rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Weighted information of the main assumptions of the segments to which goodwill has been allocated.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The discount and nominal perpetual growth rates taken into account in 2024 and 2023 are presented below for comparison purposes:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.755%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Discount rate&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Nominal&lt;br/&gt;perpetual&lt;br/&gt;growth&#160;rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander UK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.8&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.9&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Bank Polska&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.9&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.2&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.0&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.0&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander US Auto&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.2&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.8&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.0&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.0&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Holding USA (ex. Auto)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.4&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.4&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Consumer Germany&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.1&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.7&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.0&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.3&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;SAM Investment Holdings, Limited&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.6&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.6&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Portugal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.2&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.2&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Post-tax discount rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Weighted information of the main assumptions of the segments to which goodwill has been allocated.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The variations reflected in the assumptions used in 2025 are mainly a consequence of the current macroeconomic scenario, as well as the level of inflation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Given the degree of uncertainty of the above key assumptions on which the recoverable amount of the cash-generating units is based, the Group performs a sensitivity analysis which consisted of adjusting  +/- 50 basis points  the discount rate, adjusting +/- 50 basis points  the growth rate in perpetuity and reducing the cash flow projections by 5%. These changes in the key assumptions in isolation mean that the recoverable amount of all the cash-generating units continues to exceed their amount to be recovered and have been considered by the Group as reasonably possible changes in the business operations of the cash-generating units are not contemplated.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The recoverable amount of Banco Santander - Chile and Banco Santander (Brasil) was calculated as the fair values of the aforementioned cash-generating units obtained from the quoted market prices of their shares at year-end. This value exceeded the amount to be recovered. A significant reduction in the quoted market prices of these cash generating unit could result in an indication of impairment which in turn may lead to a goodwill impairment charge in the future.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;</ifrs-full:DisclosureOfGoodwillExplanatory>
    <san:DisclosureOfDetailedInformationAboutGoodwillTableTextBlock contextRef="c-1" id="f-4468">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of goodwill, based on the cash-generating units giving rise thereto, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:59.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.173%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander (Brasil) &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,031&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,679&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;SAM Investment Holdings Limited&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,444&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,444&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,444&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Consumer Germany&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Portugal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Espa&#xf1;a&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;998&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;998&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;998&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander US Auto&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;943&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,068&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Holding USA (ex. Auto)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;865&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;814&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander UK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;641&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;612&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander - Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;470&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;482&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;516&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Grupo Financiero Santander (M&#xe9;xico)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;463&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;453&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;523&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ebury Partners&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;326&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;340&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;350&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Consumer Nordics&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;206&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Bank Polska&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,178&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Goodwill&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,958&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,438&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,017&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfDetailedInformationAboutGoodwillTableTextBlock>
    <ifrs-full:Goodwill contextRef="c-2030" decimals="-6" id="f-4469" unitRef="eur">3031000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2031" decimals="-6" id="f-4470" unitRef="eur">3079000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2032" decimals="-6" id="f-4471" unitRef="eur">3679000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2033" decimals="-6" id="f-4472" unitRef="eur">1444000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2034" decimals="-6" id="f-4473" unitRef="eur">1444000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2035" decimals="-6" id="f-4474" unitRef="eur">1444000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2036" decimals="-6" id="f-4475" unitRef="eur">1304000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2037" decimals="-6" id="f-4476" unitRef="eur">1304000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2038" decimals="-6" id="f-4477" unitRef="eur">1304000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2039" decimals="-6" id="f-4478" unitRef="eur">1040000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2040" decimals="-6" id="f-4479" unitRef="eur">1040000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2041" decimals="-6" id="f-4480" unitRef="eur">1040000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2042" decimals="-6" id="f-4481" unitRef="eur">998000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2043" decimals="-6" id="f-4482" unitRef="eur">998000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2044" decimals="-6" id="f-4483" unitRef="eur">998000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2045" decimals="-6" id="f-4484" unitRef="eur">943000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2046" decimals="-6" id="f-4485" unitRef="eur">1068000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2047" decimals="-6" id="f-4486" unitRef="eur">1003000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2048" decimals="-6" id="f-4487" unitRef="eur">765000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2049" decimals="-6" id="f-4488" unitRef="eur">865000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2050" decimals="-6" id="f-4489" unitRef="eur">814000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2051" decimals="-6" id="f-4490" unitRef="eur">609000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2052" decimals="-6" id="f-4491" unitRef="eur">641000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2053" decimals="-6" id="f-4492" unitRef="eur">612000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2054" decimals="-6" id="f-4493" unitRef="eur">470000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2055" decimals="-6" id="f-4494" unitRef="eur">482000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2056" decimals="-6" id="f-4495" unitRef="eur">516000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2057" decimals="-6" id="f-4496" unitRef="eur">463000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2058" decimals="-6" id="f-4497" unitRef="eur">453000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2059" decimals="-6" id="f-4498" unitRef="eur">523000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2060" decimals="-6" id="f-4499" unitRef="eur">326000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2061" decimals="-6" id="f-4500" unitRef="eur">340000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2062" decimals="-6" id="f-4501" unitRef="eur">350000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2063" decimals="-6" id="f-4502" unitRef="eur">211000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2064" decimals="-6" id="f-4503" unitRef="eur">211000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2065" decimals="-6" id="f-4504" unitRef="eur">206000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2066" decimals="-6" id="f-4505" unitRef="eur">0</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2067" decimals="-6" id="f-4506" unitRef="eur">1178000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2068" decimals="-6" id="f-4507" unitRef="eur">1159000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2069" decimals="-6" id="f-4508" unitRef="eur">354000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2070" decimals="-6" id="f-4509" unitRef="eur">335000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2071" decimals="-6" id="f-4510" unitRef="eur">369000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-2" decimals="-6" id="f-4511" unitRef="eur">11958000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-3" decimals="-6" id="f-4512" unitRef="eur">13438000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-4" decimals="-6" id="f-4513" unitRef="eur">14017000000</ifrs-full:Goodwill>
    <ifrs-full:DisclosureOfReconciliationOfChangesInGoodwillExplanatory contextRef="c-1" id="f-4514">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in goodwill were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.690%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.097%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,438&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,017&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,741&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Additions&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Ebury Partners&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfer to Assets held for sale (Notes 3 y 12)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,176)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(291)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(605)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;240&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,958&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,438&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,017&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfReconciliationOfChangesInGoodwillExplanatory>
    <ifrs-full:Goodwill contextRef="c-3" decimals="-6" id="f-4515" unitRef="eur">13438000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-4" decimals="-6" id="f-4516" unitRef="eur">14017000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-241" decimals="-6" id="f-4517" unitRef="eur">13741000000</ifrs-full:Goodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-1" decimals="-6" id="f-4518" unitRef="eur">19000000</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-86" decimals="-6" id="f-4519" unitRef="eur">30000000</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-87" decimals="-6" id="f-4520" unitRef="eur">56000000</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-2072" decimals="-6" id="f-4521" unitRef="eur">0</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-2073" decimals="-6" id="f-4522" unitRef="eur">0</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:AdditionalRecognitionGoodwill contextRef="c-2074" decimals="-6" id="f-4523" unitRef="eur">45000000</ifrs-full:AdditionalRecognitionGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-1" decimals="-6" id="f-4524" unitRef="eur">4000000</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-86" decimals="-6" id="f-4525" unitRef="eur">4000000</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-87" decimals="-6" id="f-4526" unitRef="eur">20000000</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <san:DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill contextRef="c-1" decimals="-6" id="f-4527" unitRef="eur">1176000000</san:DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill>
    <san:DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill contextRef="c-86" decimals="-6" id="f-4528" unitRef="eur">0</san:DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill>
    <san:DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill contextRef="c-87" decimals="-6" id="f-4529" unitRef="eur">0</san:DecreaseThroughClassifiedAsHeldForSaleOrChangesInScopeOfConsolidationGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-1" decimals="-6" id="f-4530" unitRef="eur">-291000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-86" decimals="-6" id="f-4531" unitRef="eur">-605000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-87" decimals="-6" id="f-4532" unitRef="eur">240000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:Goodwill contextRef="c-2" decimals="-6" id="f-4533" unitRef="eur">11958000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-3" decimals="-6" id="f-4534" unitRef="eur">13438000000</ifrs-full:Goodwill>
    <ifrs-full:Goodwill contextRef="c-4" decimals="-6" id="f-4535" unitRef="eur">14017000000</ifrs-full:Goodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-1" decimals="-6" id="f-4536" unitRef="eur">-291000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-86" decimals="-6" id="f-4537" unitRef="eur">-605000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill contextRef="c-87" decimals="-6" id="f-4538" unitRef="eur">240000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesGoodwill>
    <san:RecoverableAmountsOfCertainCashGeneratingUnitsPeriodUsedInEstimate contextRef="c-2076" id="f-4540">P5Y</san:RecoverableAmountsOfCertainCashGeneratingUnitsPeriodUsedInEstimate>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-1" decimals="-6" id="f-4541" unitRef="eur">4000000</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-86" decimals="-6" id="f-4542" unitRef="eur">4000000</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill contextRef="c-87" decimals="-6" id="f-4543" unitRef="eur">20000000</ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill>
    <ifrs-full:DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesExplanatory contextRef="c-1" id="f-4544">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following is a detail of the main assumptions taken into account in determining the recoverable amount, at 2025 year-end, of the most significant cash-generating units which were valued using the discounted cash flow method:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.754%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Projected period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Discount rate&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Nominal&lt;br/&gt;perpetual&lt;br/&gt;growth&#160;rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander UK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.4&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander US Auto&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.0%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Holding USA (ex. Auto)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.6&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.5%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Consumer Germany&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;SAM Investment Holdings, Limited&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Portugal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.6&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Post-tax discount rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Weighted information of the main assumptions of the segments to which goodwill has been allocated.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The discount and nominal perpetual growth rates taken into account in 2024 and 2023 are presented below for comparison purposes:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.755%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Discount rate&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Nominal&lt;br/&gt;perpetual&lt;br/&gt;growth&#160;rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander UK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.8&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.9&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Bank Polska&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.9&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.2&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.0&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.0&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander US Auto&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.2&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.8&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.0&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.0&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Holding USA (ex. Auto)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.4&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.4&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Consumer Germany&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.1&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.7&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.0&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.3&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;SAM Investment Holdings, Limited&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.6&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.6&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Portugal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.2&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.2&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Post-tax discount rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Weighted information of the main assumptions of the segments to which goodwill has been allocated.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesExplanatory>
    <san:PeriodOverWhichManagementHasProjectedCashFlows contextRef="c-2077" id="f-4545">P5Y</san:PeriodOverWhichManagementHasProjectedCashFlows>
    <ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections
      contextRef="c-2051"
      decimals="3"
      id="f-4546"
      unitRef="number">0.124</ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections>
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      contextRef="c-2051"
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      id="f-4547"
      unitRef="number">0.025</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
    <san:PeriodOverWhichManagementHasProjectedCashFlows contextRef="c-2078" id="f-4548">P3Y</san:PeriodOverWhichManagementHasProjectedCashFlows>
    <ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections
      contextRef="c-2045"
      decimals="3"
      id="f-4549"
      unitRef="number">0.115</ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections>
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      contextRef="c-2045"
      decimals="3"
      id="f-4550"
      unitRef="number">0.030</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
    <san:PeriodOverWhichManagementHasProjectedCashFlows contextRef="c-2079" id="f-4551">P5Y</san:PeriodOverWhichManagementHasProjectedCashFlows>
    <ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections
      contextRef="c-2048"
      decimals="3"
      id="f-4552"
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    <ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections
      contextRef="c-2048"
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      unitRef="number">0.035</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
    <san:PeriodOverWhichManagementHasProjectedCashFlows contextRef="c-2080" id="f-4554">P5Y</san:PeriodOverWhichManagementHasProjectedCashFlows>
    <ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections
      contextRef="c-2036"
      decimals="3"
      id="f-4555"
      unitRef="number">0.095</ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections>
    <ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections
      contextRef="c-2036"
      decimals="3"
      id="f-4556"
      unitRef="number">0.025</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
    <san:PeriodOverWhichManagementHasProjectedCashFlows contextRef="c-2081" id="f-4557">P5Y</san:PeriodOverWhichManagementHasProjectedCashFlows>
    <ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections
      contextRef="c-2033"
      decimals="3"
      id="f-4558"
      unitRef="number">0.115</ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections>
    <ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections
      contextRef="c-2033"
      decimals="3"
      id="f-4559"
      unitRef="number">0.025</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
    <san:PeriodOverWhichManagementHasProjectedCashFlows contextRef="c-2082" id="f-4560">P5Y</san:PeriodOverWhichManagementHasProjectedCashFlows>
    <ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections
      contextRef="c-2039"
      decimals="3"
      id="f-4561"
      unitRef="number">0.106</ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections>
    <ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections
      contextRef="c-2039"
      decimals="3"
      id="f-4562"
      unitRef="number">0.025</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
    <ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections
      contextRef="c-2052"
      decimals="3"
      id="f-4563"
      unitRef="number">0.118</ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections>
    <ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections
      contextRef="c-2053"
      decimals="3"
      id="f-4564"
      unitRef="number">0.119</ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections>
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      contextRef="c-2052"
      decimals="3"
      id="f-4565"
      unitRef="number">0.025</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
    <ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections
      contextRef="c-2053"
      decimals="3"
      id="f-4566"
      unitRef="number">0.025</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
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      contextRef="c-2067"
      decimals="3"
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      unitRef="number">0.129</ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections>
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      contextRef="c-2068"
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      unitRef="number">0.132</ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections>
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      contextRef="c-2067"
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      id="f-4569"
      unitRef="number">0.050</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
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      contextRef="c-2068"
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      id="f-4570"
      unitRef="number">0.050</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
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      contextRef="c-2046"
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      unitRef="number">0.122</ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections>
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      contextRef="c-2047"
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      unitRef="number">0.128</ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections>
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      contextRef="c-2046"
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      unitRef="number">0.030</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
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      contextRef="c-2047"
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      id="f-4574"
      unitRef="number">0.030</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
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      contextRef="c-2049"
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      contextRef="c-2050"
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      contextRef="c-2049"
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      unitRef="number">0.035</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
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      contextRef="c-2050"
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      unitRef="number">0.035</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
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      contextRef="c-2037"
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      unitRef="number">0.091</ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections>
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      contextRef="c-2038"
      decimals="3"
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      unitRef="number">0.097</ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections>
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      contextRef="c-2037"
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    <ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections
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      unitRef="number">0.023</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
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      contextRef="c-2034"
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      contextRef="c-2035"
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      contextRef="c-2034"
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      unitRef="number">0.025</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
    <ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections
      contextRef="c-2035"
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      id="f-4586"
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      contextRef="c-2040"
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    <ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections
      contextRef="c-2041"
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      contextRef="c-2040"
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      id="f-4589"
      unitRef="number">0.025</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
    <ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections
      contextRef="c-2041"
      decimals="3"
      id="f-4590"
      unitRef="number">0.025</ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections>
    <san:SensitivityAnalysisDiscountRateAdjustmentIncrease contextRef="c-1" decimals="4" id="f-4591" unitRef="number">0.0050</san:SensitivityAnalysisDiscountRateAdjustmentIncrease>
    <san:SensitivityAnalysisDiscountRateAdjustmentDecrease contextRef="c-1" decimals="4" id="f-4592" unitRef="number">0.0050</san:SensitivityAnalysisDiscountRateAdjustmentDecrease>
    <san:SensitivityAnalysisPerpetuityGrowthRateAdjustmentDecrease contextRef="c-1" decimals="4" id="f-4593" unitRef="number">0.0050</san:SensitivityAnalysisPerpetuityGrowthRateAdjustmentDecrease>
    <san:SensitivityAnalysisPerpetuityGrowthRateAdjustmentIncrease contextRef="c-1" decimals="4" id="f-4594" unitRef="number">0.0050</san:SensitivityAnalysisPerpetuityGrowthRateAdjustmentIncrease>
    <san:SensitivityAnalysisCashFlowProjectionsDecrease contextRef="c-1" decimals="2" id="f-4595" unitRef="number">0.05</san:SensitivityAnalysisCashFlowProjectionsDecrease>
    <ifrs-full:DisclosureOfIntangibleAssetsExplanatory contextRef="c-1" id="f-4596">Intangible assets - Other intangible assets&lt;div style="margin-bottom:9pt;margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Intangible assets&#160;- Other intangible assets in the consolidated balance sheets and of the changes therein in 2025, 2024, and 2023 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.238%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Estimated&lt;br/&gt;useful&#160;life&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1 January 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net&#160;&lt;br/&gt;additions&lt;br/&gt;and&lt;br/&gt;disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Change&#160;in&lt;br/&gt;scope&#160;of&lt;br/&gt;consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Amortization&lt;br/&gt;and&lt;br/&gt;impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Application&#160;of&lt;br/&gt;amortization&lt;br/&gt;and&lt;br/&gt;impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange&lt;br/&gt;differences&lt;br/&gt;and&#160;other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,261&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,714&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,286)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,179)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,490&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Brand names&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;IT developments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3-10 years&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,286)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,084)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,658&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,907&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(95)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,800&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Accumulated amortisation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9,235)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,847)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;795&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9,047)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Development&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8,312)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,715)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;723&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8,070)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(923)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(132)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;72&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(977)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(205)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(108)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(93)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which addition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(108)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which Liberation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,821&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,714&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,955)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(222)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,350&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.386%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Estimated&lt;br/&gt;useful&#160;life&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1 January 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net&#160;&lt;br/&gt;additions&lt;br/&gt;and&lt;br/&gt;disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Change&#160;in&lt;br/&gt;scope&#160;of&lt;br/&gt;consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Amortization&lt;br/&gt;and&lt;br/&gt;impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Application&#160;of&lt;br/&gt;amortization&lt;br/&gt;and&lt;br/&gt;impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange&lt;br/&gt;differences&lt;br/&gt;and&#160;other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,104&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,169)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(439)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,261&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Brand names&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;IT developments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3-10 years&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,104&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,169)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(472)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,866&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,907&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Accumulated amortisation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8,851)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,626)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,062&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9,235)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Development&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8,078)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,546)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,062&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;244&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8,312)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(773)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(80)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(923)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(68)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(227)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(205)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which addition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(227)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which Liberation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,854&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,104&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,853)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(282)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,821&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.674%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.369%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.261%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.369%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.152%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.746%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.815%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.265%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Estimated&lt;br/&gt;useful&#160;life&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1 January 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net&#160;&lt;br/&gt;additions&lt;br/&gt;and&lt;br/&gt;disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Change&#160;in&lt;br/&gt;scope&#160;of&lt;br/&gt;consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Amortization&lt;br/&gt;and&lt;br/&gt;impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Application&#160;of&lt;br/&gt;amortization&lt;br/&gt;and&lt;br/&gt;impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange&lt;br/&gt;differences&lt;br/&gt;and&#160;other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(230)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Brand names&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;IT developments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3-10 years&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(196)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;127&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,748&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,866&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Accumulated amortisation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7,554)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,386)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(125)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8,851)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Development&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6,866)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,294)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(95)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8,078)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(688)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(92)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(30)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(773)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(44)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(53)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(68)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which addition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(53)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which Liberation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,904&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,197&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;181&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,439)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,854&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;In 2025, 2024 and 2023, impairment losses of EUR 108 million, EUR 227 million and EUR 53 million, respectively, were recognised under Impairment or reversal of impairment on non-financial assets, net &#x2013; intangible assets. This impairment losses are related mainly to the decline in or loss of the recoverable value of certain computer systems and applications as a result of the processes initiated by the Group to transform or integrate businesses and to adapt to the various regulatory changes</ifrs-full:DisclosureOfIntangibleAssetsExplanatory>
    <ifrs-full:DisclosureOfDetailedInformationAboutIntangibleAssetsExplanatory contextRef="c-1" id="f-4597">&lt;div style="margin-bottom:9pt;margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Intangible assets&#160;- Other intangible assets in the consolidated balance sheets and of the changes therein in 2025, 2024, and 2023 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.238%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Estimated&lt;br/&gt;useful&#160;life&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1 January 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net&#160;&lt;br/&gt;additions&lt;br/&gt;and&lt;br/&gt;disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Change&#160;in&lt;br/&gt;scope&#160;of&lt;br/&gt;consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Amortization&lt;br/&gt;and&lt;br/&gt;impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Application&#160;of&lt;br/&gt;amortization&lt;br/&gt;and&lt;br/&gt;impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange&lt;br/&gt;differences&lt;br/&gt;and&#160;other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,261&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,714&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,286)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,179)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,490&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Brand names&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;IT developments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3-10 years&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,286)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,084)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,658&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,907&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(95)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,800&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Accumulated amortisation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9,235)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,847)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;795&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9,047)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Development&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8,312)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,715)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;723&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8,070)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(923)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(132)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;72&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(977)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(205)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(108)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(93)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which addition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(108)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which Liberation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,821&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,714&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,955)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(222)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,350&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.386%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Estimated&lt;br/&gt;useful&#160;life&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1 January 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net&#160;&lt;br/&gt;additions&lt;br/&gt;and&lt;br/&gt;disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Change&#160;in&lt;br/&gt;scope&#160;of&lt;br/&gt;consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Amortization&lt;br/&gt;and&lt;br/&gt;impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Application&#160;of&lt;br/&gt;amortization&lt;br/&gt;and&lt;br/&gt;impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange&lt;br/&gt;differences&lt;br/&gt;and&#160;other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,104&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,169)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(439)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,261&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Brand names&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;IT developments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3-10 years&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,104&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,169)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(472)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,866&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,907&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Accumulated amortisation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8,851)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,626)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,062&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9,235)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Development&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8,078)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,546)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,062&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;244&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8,312)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(773)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(80)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(923)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(68)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(227)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(205)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which addition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(227)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which Liberation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,854&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,104&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,853)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(282)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,821&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.674%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.369%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.261%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.369%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.152%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.746%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.815%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.265%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Estimated&lt;br/&gt;useful&#160;life&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1 January 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net&#160;&lt;br/&gt;additions&lt;br/&gt;and&lt;br/&gt;disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Change&#160;in&lt;br/&gt;scope&#160;of&lt;br/&gt;consolidation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Amortization&lt;br/&gt;and&lt;br/&gt;impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Application&#160;of&lt;br/&gt;amortization&lt;br/&gt;and&lt;br/&gt;impairment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange&lt;br/&gt;differences&lt;br/&gt;and&#160;other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(230)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Brand names&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;IT developments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3-10 years&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(196)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;127&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,748&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,866&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Accumulated amortisation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7,554)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,386)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(125)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8,851)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Development&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6,866)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,294)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(95)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8,078)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(688)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(92)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(30)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(773)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(44)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(53)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(68)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which addition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(53)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which Liberation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,904&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,197&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;181&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,439)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,854&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfDetailedInformationAboutIntangibleAssetsExplanatory>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-1791" decimals="-6" id="f-4598" unitRef="eur">15261000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill contextRef="c-1799" decimals="-6" id="f-4599" unitRef="eur">1714000000</san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill contextRef="c-1799" decimals="-6" id="f-4600" unitRef="eur">-20000000</ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill>
    <san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill contextRef="c-1799" decimals="-6" id="f-4601" unitRef="eur">-1286000000</san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill contextRef="c-1799" decimals="-6" id="f-4602" unitRef="eur">-1179000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-1807" decimals="-6" id="f-4603" unitRef="eur">14490000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-2083" decimals="-6" id="f-4604" unitRef="eur">32000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill contextRef="c-2084" decimals="-6" id="f-4605" unitRef="eur">0</san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill contextRef="c-2084" decimals="-6" id="f-4606" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill>
    <san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill contextRef="c-2084" decimals="-6" id="f-4607" unitRef="eur">0</san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill contextRef="c-2084" decimals="-6" id="f-4608" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-2085" decimals="-6" id="f-4609" unitRef="eur">32000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill contextRef="c-2086" id="f-4610">P3Y</ifrs-full:UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill contextRef="c-2087" id="f-4611">P10Y</ifrs-full:UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-2088" decimals="-6" id="f-4612" unitRef="eur">13322000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill contextRef="c-2089" decimals="-6" id="f-4613" unitRef="eur">1713000000</san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill contextRef="c-2089" decimals="-6" id="f-4614" unitRef="eur">-7000000</ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill>
    <san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill contextRef="c-2089" decimals="-6" id="f-4615" unitRef="eur">-1286000000</san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill contextRef="c-2089" decimals="-6" id="f-4616" unitRef="eur">-1084000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-2090" decimals="-6" id="f-4617" unitRef="eur">12658000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-2091" decimals="-6" id="f-4618" unitRef="eur">1907000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill contextRef="c-2092" decimals="-6" id="f-4619" unitRef="eur">1000000</san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill contextRef="c-2092" decimals="-6" id="f-4620" unitRef="eur">-13000000</ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill>
    <san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill contextRef="c-2092" decimals="-6" id="f-4621" unitRef="eur">0</san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill contextRef="c-2092" decimals="-6" id="f-4622" unitRef="eur">-95000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-2093" decimals="-6" id="f-4623" unitRef="eur">1800000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-1847" decimals="-6" id="f-4624" unitRef="eur">-9235000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill contextRef="c-1855" decimals="-6" id="f-4625" unitRef="eur">0</san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill contextRef="c-1855" decimals="-6" id="f-4626" unitRef="eur">12000000</ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill>
    <san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill contextRef="c-1855" decimals="-6" id="f-4627" unitRef="eur">1847000000</san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill>
    <san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill contextRef="c-1855" decimals="-6" id="f-4628" unitRef="eur">1228000000</san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill contextRef="c-1855" decimals="-6" id="f-4629" unitRef="eur">795000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-1863" decimals="-6" id="f-4630" unitRef="eur">-9047000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-2094" decimals="-6" id="f-4631" unitRef="eur">-8312000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill contextRef="c-2095" decimals="-6" id="f-4632" unitRef="eur">0</san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill contextRef="c-2095" decimals="-6" id="f-4633" unitRef="eur">6000000</ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill>
    <san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill contextRef="c-2095" decimals="-6" id="f-4634" unitRef="eur">1715000000</san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill>
    <san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill contextRef="c-2095" decimals="-6" id="f-4635" unitRef="eur">1228000000</san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill contextRef="c-2095" decimals="-6" id="f-4636" unitRef="eur">723000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-2096" decimals="-6" id="f-4637" unitRef="eur">-8070000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-2097" decimals="-6" id="f-4638" unitRef="eur">-923000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill contextRef="c-2098" decimals="-6" id="f-4639" unitRef="eur">0</san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill contextRef="c-2098" decimals="-6" id="f-4640" unitRef="eur">6000000</ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill>
    <san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill contextRef="c-2098" decimals="-6" id="f-4641" unitRef="eur">132000000</san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill>
    <san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill contextRef="c-2098" decimals="-6" id="f-4642" unitRef="eur">0</san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill contextRef="c-2098" decimals="-6" id="f-4643" unitRef="eur">72000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-2099" decimals="-6" id="f-4644" unitRef="eur">-977000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-971" decimals="-6" id="f-4645" unitRef="eur">-205000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill contextRef="c-1909" decimals="-6" id="f-4646" unitRef="eur">0</san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill contextRef="c-1909" decimals="-6" id="f-4647" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill>
    <san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill contextRef="c-1909" decimals="-6" id="f-4648" unitRef="eur">108000000</san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill>
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    <san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill contextRef="c-2121" decimals="-6" id="f-4760" unitRef="eur">1294000000</san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill>
    <san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill contextRef="c-2121" decimals="-6" id="f-4761" unitRef="eur">177000000</san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill contextRef="c-2121" decimals="-6" id="f-4762" unitRef="eur">-95000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-2108" decimals="-6" id="f-4763" unitRef="eur">-8078000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-2122" decimals="-6" id="f-4764" unitRef="eur">-688000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill contextRef="c-2123" decimals="-6" id="f-4765" unitRef="eur">0</san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill contextRef="c-2123" decimals="-6" id="f-4766" unitRef="eur">5000000</ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill>
    <san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill contextRef="c-2123" decimals="-6" id="f-4767" unitRef="eur">92000000</san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill>
    <san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill contextRef="c-2123" decimals="-6" id="f-4768" unitRef="eur">32000000</san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill contextRef="c-2123" decimals="-6" id="f-4769" unitRef="eur">-30000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-2110" decimals="-6" id="f-4770" unitRef="eur">-773000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-1871" decimals="-6" id="f-4771" unitRef="eur">-44000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill contextRef="c-1879" decimals="-6" id="f-4772" unitRef="eur">0</san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill contextRef="c-1879" decimals="-6" id="f-4773" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill>
    <san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill contextRef="c-1879" decimals="-6" id="f-4774" unitRef="eur">53000000</san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill>
    <san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill contextRef="c-1879" decimals="-6" id="f-4775" unitRef="eur">21000000</san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill contextRef="c-1879" decimals="-6" id="f-4776" unitRef="eur">8000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-972" decimals="-6" id="f-4777" unitRef="eur">-68000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <san:AmortisationAndImpairmentAdditionsIntangibleAssetsOtherThanGoodwill contextRef="c-1879" decimals="-6" id="f-4778" unitRef="eur">53000000</san:AmortisationAndImpairmentAdditionsIntangibleAssetsOtherThanGoodwill>
    <san:AmortisationAndImpairmentLiberationsIntangibleAssetsOtherThanGoodwill contextRef="c-1879" decimals="-6" id="f-4779" unitRef="eur">0</san:AmortisationAndImpairmentLiberationsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-241" decimals="-6" id="f-4780" unitRef="eur">4904000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill contextRef="c-87" decimals="-6" id="f-4781" unitRef="eur">2197000000</san:NetAdditionsDisposalsIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill contextRef="c-87" decimals="-6" id="f-4782" unitRef="eur">181000000</ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsOtherThanGoodwill>
    <san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill contextRef="c-87" decimals="-6" id="f-4783" unitRef="eur">1439000000</san:AmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill>
    <san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill contextRef="c-87" decimals="-6" id="f-4784" unitRef="eur">0</san:ApplicationOfAmortisationAndImpairmentIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill contextRef="c-87" decimals="-6" id="f-4785" unitRef="eur">11000000</ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:IntangibleAssetsOtherThanGoodwill contextRef="c-4" decimals="-6" id="f-4786" unitRef="eur">5854000000</ifrs-full:IntangibleAssetsOtherThanGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill contextRef="c-1" decimals="-6" id="f-4787" unitRef="eur">108000000</ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill contextRef="c-86" decimals="-6" id="f-4788" unitRef="eur">227000000</ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill contextRef="c-87" decimals="-6" id="f-4789" unitRef="eur">53000000</ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill>
    <ifrs-full:DisclosureOfOtherAssetsExplanatory contextRef="c-1" id="f-4790">Other assets&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of 'Other' of 'Other assets' is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.007%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.509%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.800%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.145%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.146%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transactions in transit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;469&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;246&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net pension plan assets (note&#160;25)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Prepayments and accrued income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,121&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,016&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,911&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,376&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,598&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,645&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,472&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,756&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfOtherAssetsExplanatory>
    <san:ScheduleOfOtherAssets1TableTextBlock contextRef="c-1" id="f-4791">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of 'Other' of 'Other assets' is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.007%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.509%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.800%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.145%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.146%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transactions in transit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;469&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;246&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net pension plan assets (note&#160;25)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Prepayments and accrued income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,121&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,016&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,911&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,376&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,598&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,645&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,472&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,756&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:ScheduleOfOtherAssets1TableTextBlock>
    <ifrs-full:OtherReceivables contextRef="c-2" decimals="-6" id="f-4792" unitRef="eur">364000000</ifrs-full:OtherReceivables>
    <ifrs-full:OtherReceivables contextRef="c-3" decimals="-6" id="f-4793" unitRef="eur">469000000</ifrs-full:OtherReceivables>
    <ifrs-full:OtherReceivables contextRef="c-4" decimals="-6" id="f-4794" unitRef="eur">246000000</ifrs-full:OtherReceivables>
    <ifrs-full:RecognisedAssetsDefinedBenefitPlan contextRef="c-2" decimals="-6" id="f-4795" unitRef="eur">784000000</ifrs-full:RecognisedAssetsDefinedBenefitPlan>
    <ifrs-full:RecognisedAssetsDefinedBenefitPlan contextRef="c-3" decimals="-6" id="f-4796" unitRef="eur">677000000</ifrs-full:RecognisedAssetsDefinedBenefitPlan>
    <ifrs-full:RecognisedAssetsDefinedBenefitPlan contextRef="c-4" decimals="-6" id="f-4797" unitRef="eur">1001000000</ifrs-full:RecognisedAssetsDefinedBenefitPlan>
    <san:PrepaymentsAndAccruedIncome contextRef="c-2" decimals="-6" id="f-4798" unitRef="eur">3121000000</san:PrepaymentsAndAccruedIncome>
    <san:PrepaymentsAndAccruedIncome contextRef="c-3" decimals="-6" id="f-4799" unitRef="eur">3016000000</san:PrepaymentsAndAccruedIncome>
    <san:PrepaymentsAndAccruedIncome contextRef="c-4" decimals="-6" id="f-4800" unitRef="eur">2911000000</san:PrepaymentsAndAccruedIncome>
    <san:OtherMiscellaneousAssets contextRef="c-2" decimals="-6" id="f-4801" unitRef="eur">4376000000</san:OtherMiscellaneousAssets>
    <san:OtherMiscellaneousAssets contextRef="c-3" decimals="-6" id="f-4802" unitRef="eur">4310000000</san:OtherMiscellaneousAssets>
    <san:OtherMiscellaneousAssets contextRef="c-4" decimals="-6" id="f-4803" unitRef="eur">4598000000</san:OtherMiscellaneousAssets>
    <ifrs-full:OtherNonfinancialAssets contextRef="c-2" decimals="-6" id="f-4804" unitRef="eur">8645000000</ifrs-full:OtherNonfinancialAssets>
    <ifrs-full:OtherNonfinancialAssets contextRef="c-3" decimals="-6" id="f-4805" unitRef="eur">8472000000</ifrs-full:OtherNonfinancialAssets>
    <ifrs-full:OtherNonfinancialAssets contextRef="c-4" decimals="-6" id="f-4806" unitRef="eur">8756000000</ifrs-full:OtherNonfinancialAssets>
    <ifrs-full:DisclosureOfDepositsFromBanksExplanatory contextRef="c-1" id="f-4807">Deposits from central banks and credit institutions&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by classification, counterparty, type and currency, of 'Deposits from central banks' and 'Deposits from credit institutions' in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.758%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.947%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.947%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.948%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;CENTRAL BANKS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Classification&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,086&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,774&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,542&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,882&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48,782&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34,013&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;39,956&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;57,799&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;856&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;117&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Time deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,488&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,853&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,448&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,063&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,829&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34,013&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;39,956&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;57,799&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;CREDIT INSTITUTIONS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Classification&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,862&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,424&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,735&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;74,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;90,012&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;81,246&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;103,174&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;117,921&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;100,843&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,005&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,468&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Time deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,718&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;54,716&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;54,402&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55,186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,273&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Subordinated deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;265&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;103,174&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;117,921&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;100,843&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;54,588&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53,779&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53,921&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,853&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,697&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,466&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,992&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49,447&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,459&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,997&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other currencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,725&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,794&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;137,187&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;157,877&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;158,642&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025 and 2024, no conditional long-term financing of the European Central Bank (TLTRO- Targeted Long-Term Refinancing Operation-) was outstanding. As of 2023, the balance of such financing amounted to EUR 11,583 million, all corresponding to the TLTRO III financing program. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, no expense has been recognized in the consolidated income statement corresponding to TLTRO III (expenses of EUR 158 million and EUR 659 million at 31 December 2024 and 2023, respectively, as a result of the conditions of the financing programme).&lt;/span&gt;&lt;/div&gt;Note&#160;51 contains a detail of the residual maturity periods of financial liabilities at amortised cost</ifrs-full:DisclosureOfDepositsFromBanksExplanatory>
    <san:ScheduleOfDepositsFromCentralBanksAndCreditInstitutionsTableTextBlock contextRef="c-1" id="f-4808">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by classification, counterparty, type and currency, of 'Deposits from central banks' and 'Deposits from credit institutions' in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.758%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.947%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.947%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.948%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;CENTRAL BANKS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Classification&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,086&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,774&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,542&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,882&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48,782&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34,013&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;39,956&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;57,799&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;856&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;117&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Time deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,488&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,853&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,448&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,063&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,829&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34,013&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;39,956&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;57,799&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;CREDIT INSTITUTIONS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Classification&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,862&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,424&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,735&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;74,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;90,012&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;81,246&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;103,174&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;117,921&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;100,843&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,005&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,468&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Time deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,718&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;54,716&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;54,402&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55,186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,273&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Subordinated deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;265&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;103,174&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;117,921&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;100,843&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;54,588&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53,779&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53,921&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,853&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,697&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,466&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,992&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49,447&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,459&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,997&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other currencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,725&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,794&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;137,187&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;157,877&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;158,642&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:ScheduleOfDepositsFromCentralBanksAndCreditInstitutionsTableTextBlock>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-41" decimals="-6" id="f-4809" unitRef="eur">12385000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-42" decimals="-6" id="f-4810" unitRef="eur">13300000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-43" decimals="-6" id="f-4811" unitRef="eur">7808000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-41" decimals="-6" id="f-4812" unitRef="eur">3086000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-42" decimals="-6" id="f-4813" unitRef="eur">1774000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-43" decimals="-6" id="f-4814" unitRef="eur">1209000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-41" decimals="-6" id="f-4815" unitRef="eur">18542000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-42" decimals="-6" id="f-4816" unitRef="eur">24882000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-43" decimals="-6" id="f-4817" unitRef="eur">48782000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilities contextRef="c-41" decimals="-6" id="f-4818" unitRef="eur">34013000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-42" decimals="-6" id="f-4819" unitRef="eur">39956000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-43" decimals="-6" id="f-4820" unitRef="eur">57799000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2124" decimals="-6" id="f-4821" unitRef="eur">856000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2125" decimals="-6" id="f-4822" unitRef="eur">405000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2126" decimals="-6" id="f-4823" unitRef="eur">117000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2127" decimals="-6" id="f-4824" unitRef="eur">14709000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2128" decimals="-6" id="f-4825" unitRef="eur">18488000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2129" decimals="-6" id="f-4826" unitRef="eur">43853000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2130" decimals="-6" id="f-4827" unitRef="eur">18448000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2131" decimals="-6" id="f-4828" unitRef="eur">21063000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2132" decimals="-6" id="f-4829" unitRef="eur">13829000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-41" decimals="-6" id="f-4830" unitRef="eur">34013000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-42" decimals="-6" id="f-4831" unitRef="eur">39956000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-43" decimals="-6" id="f-4832" unitRef="eur">57799000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-44" decimals="-6" id="f-4833" unitRef="eur">27058000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-45" decimals="-6" id="f-4834" unitRef="eur">26284000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-46" decimals="-6" id="f-4835" unitRef="eur">17862000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-44" decimals="-6" id="f-4836" unitRef="eur">1424000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-45" decimals="-6" id="f-4837" unitRef="eur">1625000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-46" decimals="-6" id="f-4838" unitRef="eur">1735000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-44" decimals="-6" id="f-4839" unitRef="eur">74692000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-45" decimals="-6" id="f-4840" unitRef="eur">90012000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-46" decimals="-6" id="f-4841" unitRef="eur">81246000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilities contextRef="c-44" decimals="-6" id="f-4842" unitRef="eur">103174000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-45" decimals="-6" id="f-4843" unitRef="eur">117921000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-46" decimals="-6" id="f-4844" unitRef="eur">100843000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2133" decimals="-6" id="f-4845" unitRef="eur">5005000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2134" decimals="-6" id="f-4846" unitRef="eur">6657000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2135" decimals="-6" id="f-4847" unitRef="eur">5468000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2136" decimals="-6" id="f-4848" unitRef="eur">42718000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2137" decimals="-6" id="f-4849" unitRef="eur">54716000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2138" decimals="-6" id="f-4850" unitRef="eur">54402000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2139" decimals="-6" id="f-4851" unitRef="eur">55186000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2140" decimals="-6" id="f-4852" unitRef="eur">56273000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2141" decimals="-6" id="f-4853" unitRef="eur">40689000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2142" decimals="-6" id="f-4854" unitRef="eur">265000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2143" decimals="-6" id="f-4855" unitRef="eur">275000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2144" decimals="-6" id="f-4856" unitRef="eur">284000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-44" decimals="-6" id="f-4857" unitRef="eur">103174000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-45" decimals="-6" id="f-4858" unitRef="eur">117921000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-46" decimals="-6" id="f-4859" unitRef="eur">100843000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2145" decimals="-6" id="f-4860" unitRef="eur">54588000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2146" decimals="-6" id="f-4861" unitRef="eur">53779000000</ifrs-full:FinancialLiabilities>
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    <ifrs-full:FinancialLiabilities contextRef="c-276" decimals="-6" id="f-4863" unitRef="eur">13625000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-277" decimals="-6" id="f-4864" unitRef="eur">21853000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-278" decimals="-6" id="f-4865" unitRef="eur">27697000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-270" decimals="-6" id="f-4866" unitRef="eur">43466000000</ifrs-full:FinancialLiabilities>
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    <ifrs-full:FinancialLiabilities contextRef="c-282" decimals="-6" id="f-4869" unitRef="eur">6783000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-283" decimals="-6" id="f-4870" unitRef="eur">7459000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-284" decimals="-6" id="f-4871" unitRef="eur">7997000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2148" decimals="-6" id="f-4872" unitRef="eur">18725000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2149" decimals="-6" id="f-4873" unitRef="eur">16794000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2150" decimals="-6" id="f-4874" unitRef="eur">19580000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2151" decimals="-6" id="f-4875" unitRef="eur">137187000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2152" decimals="-6" id="f-4876" unitRef="eur">157877000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2153" decimals="-6" id="f-4877" unitRef="eur">158642000000</ifrs-full:FinancialLiabilities>
    <san:DepositsFromCentralBanksAtAmortisedCostDueToParticipationInRefinancingOperationsProgram contextRef="c-2154" decimals="-6" id="f-4878" unitRef="eur">0</san:DepositsFromCentralBanksAtAmortisedCostDueToParticipationInRefinancingOperationsProgram>
    <san:DepositsFromCentralBanksAtAmortisedCostDueToParticipationInRefinancingOperationsProgram contextRef="c-2155" decimals="-6" id="f-4879" unitRef="eur">0</san:DepositsFromCentralBanksAtAmortisedCostDueToParticipationInRefinancingOperationsProgram>
    <san:DepositsFromCentralBanksAtAmortisedCostDueToParticipationInRefinancingOperationsProgram contextRef="c-2156" decimals="-6" id="f-4880" unitRef="eur">11583000000</san:DepositsFromCentralBanksAtAmortisedCostDueToParticipationInRefinancingOperationsProgram>
    <san:IncomeExpenseFromParticipationInRefinancingOperationsProgram contextRef="c-2157" decimals="-6" id="f-4881" unitRef="eur">0</san:IncomeExpenseFromParticipationInRefinancingOperationsProgram>
    <san:IncomeExpenseFromParticipationInRefinancingOperationsProgram contextRef="c-2158" decimals="-6" id="f-4882" unitRef="eur">-158000000</san:IncomeExpenseFromParticipationInRefinancingOperationsProgram>
    <san:IncomeExpenseFromParticipationInRefinancingOperationsProgram contextRef="c-2159" decimals="-6" id="f-4883" unitRef="eur">-659000000</san:IncomeExpenseFromParticipationInRefinancingOperationsProgram>
    <ifrs-full:DisclosureOfDepositsFromCustomersExplanatory contextRef="c-1" id="f-4884">Customer deposits&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by classification, geographical area and type, of Customer deposits is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.517%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Classification&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,984&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,837&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,930&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,052&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities&lt;br/&gt;at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;979,150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,011,545&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;995,280&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,041,200&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,055,936&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,047,169&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Geographical area&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;437,855&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;395,479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;388,736&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;323,854&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;377,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;366,165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;of which: United Kingdom&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;228,810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;233,192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;235,698&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Rest of America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;279,491&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;283,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;292,268&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;of which: United States &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;82,321&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;88,712&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;83,555&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,041,200&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,055,936&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,047,169&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Demand deposits-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;646,125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;677,818&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;661,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Time deposits-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;296,797&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;298,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;305,296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits redeemable at notice&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,789&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;96,791&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;78,317&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;78,822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,041,200&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,055,936&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,047,169&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;According to the geography of the legal entity.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:6.66pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Note&#160;51 contains a detail of the residual maturity periods of financial liabilities at amortised cost.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfDepositsFromCustomersExplanatory>
    <san:ScheduleOfCustomerDepositsTableTextBlock contextRef="c-1" id="f-4885">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by classification, geographical area and type, of Customer deposits is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.517%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Classification&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,984&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,837&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,930&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,052&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities&lt;br/&gt;at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;979,150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,011,545&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;995,280&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,041,200&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,055,936&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,047,169&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Geographical area&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;437,855&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;395,479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;388,736&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;323,854&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;377,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;366,165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;of which: United Kingdom&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;228,810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;233,192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;235,698&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Rest of America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;279,491&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;283,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;292,268&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;of which: United States &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;82,321&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;88,712&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;83,555&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,041,200&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,055,936&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,047,169&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Demand deposits-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;646,125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;677,818&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;661,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Time deposits-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;296,797&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;298,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;305,296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits redeemable at notice&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,789&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;96,791&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;78,317&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;78,822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,041,200&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,055,936&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,047,169&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;According to the geography of the legal entity.&lt;/span&gt;&lt;/div&gt;</san:ScheduleOfCustomerDepositsTableTextBlock>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-47" decimals="-6" id="f-4886" unitRef="eur">36120000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-48" decimals="-6" id="f-4887" unitRef="eur">18984000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-49" decimals="-6" id="f-4888" unitRef="eur">19837000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-47" decimals="-6" id="f-4889" unitRef="eur">25930000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-48" decimals="-6" id="f-4890" unitRef="eur">25407000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-49" decimals="-6" id="f-4891" unitRef="eur">32052000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-47" decimals="-6" id="f-4892" unitRef="eur">979150000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-48" decimals="-6" id="f-4893" unitRef="eur">1011545000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-49" decimals="-6" id="f-4894" unitRef="eur">995280000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilities contextRef="c-47" decimals="-6" id="f-4895" unitRef="eur">1041200000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-48" decimals="-6" id="f-4896" unitRef="eur">1055936000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-49" decimals="-6" id="f-4897" unitRef="eur">1047169000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2160" decimals="-6" id="f-4898" unitRef="eur">437855000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2161" decimals="-6" id="f-4899" unitRef="eur">395479000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2162" decimals="-6" id="f-4900" unitRef="eur">388736000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2163" decimals="-6" id="f-4901" unitRef="eur">323854000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2164" decimals="-6" id="f-4902" unitRef="eur">377057000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2165" decimals="-6" id="f-4903" unitRef="eur">366165000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2166" decimals="-6" id="f-4904" unitRef="eur">228810000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2167" decimals="-6" id="f-4905" unitRef="eur">233192000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2168" decimals="-6" id="f-4906" unitRef="eur">235698000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2169" decimals="-6" id="f-4907" unitRef="eur">279491000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2170" decimals="-6" id="f-4908" unitRef="eur">283400000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2171" decimals="-6" id="f-4909" unitRef="eur">292268000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2172" decimals="-6" id="f-4910" unitRef="eur">82321000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2173" decimals="-6" id="f-4911" unitRef="eur">88712000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2174" decimals="-6" id="f-4912" unitRef="eur">83555000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2175" decimals="-6" id="f-4913" unitRef="eur">0</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2176" decimals="-6" id="f-4914" unitRef="eur">0</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2177" decimals="-6" id="f-4915" unitRef="eur">0</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-47" decimals="-6" id="f-4916" unitRef="eur">1041200000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-48" decimals="-6" id="f-4917" unitRef="eur">1055936000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-49" decimals="-6" id="f-4918" unitRef="eur">1047169000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2178" decimals="-6" id="f-4919" unitRef="eur">646125000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2179" decimals="-6" id="f-4920" unitRef="eur">677818000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2180" decimals="-6" id="f-4921" unitRef="eur">661262000000</ifrs-full:FinancialLiabilities>
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    <ifrs-full:FinancialLiabilities contextRef="c-2182" decimals="-6" id="f-4923" unitRef="eur">298276000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2183" decimals="-6" id="f-4924" unitRef="eur">305296000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2184" decimals="-6" id="f-4925" unitRef="eur">1487000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2185" decimals="-6" id="f-4926" unitRef="eur">1525000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2186" decimals="-6" id="f-4927" unitRef="eur">1789000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2187" decimals="-6" id="f-4928" unitRef="eur">96791000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2188" decimals="-6" id="f-4929" unitRef="eur">78317000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2189" decimals="-6" id="f-4930" unitRef="eur">78822000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-47" decimals="-6" id="f-4931" unitRef="eur">1041200000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-48" decimals="-6" id="f-4932" unitRef="eur">1055936000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-49" decimals="-6" id="f-4933" unitRef="eur">1047169000000</ifrs-full:FinancialLiabilities>
    <san:ScheduleOfMarketDebtSecuritiesTextBlock contextRef="c-1" id="f-4934">Marketable debt securities&lt;div style="margin-bottom:6pt;margin-top:6pt"&gt;&lt;span id="i03474f18b154408e879f426e609f26fd"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Breakdown&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by classification and type, of Marketable debt securities is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Classification&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities&lt;br/&gt;held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities designated&lt;br/&gt;at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,686&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,371&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities&lt;br/&gt;at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;312,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;317,967&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;303,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;324,390&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;325,521&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;308,579&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Bonds and debentures outstanding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;253,893&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;252,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;231,880&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Subordinated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,859&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,461&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30,529&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Notes&#160;and other securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,638&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37,295&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,170&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;324,390&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;325,521&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;308,579&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The distribution of the book value of debt securities issued by contractual maturity at 31 December 2025 is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.198%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within 3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3 to 12&lt;br/&gt;months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Subordinated debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;798&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,760&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,277&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,859&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Senior unsecured debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,509&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,643&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51,461&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,465&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,618&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;145,696&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Senior secured debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,529&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,308&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,661&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,106&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,593&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;108,197&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Promissory notes and other securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,747&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,060&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;335&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;170&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;326&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,638&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Debt securities issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;39,785&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;49,809&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;97,217&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;65,018&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;72,561&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;324,390&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The distribution by contractual maturity of the notional amounts of these debt securities issued at 31 December 2025 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.198%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within 3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3 to 12&lt;br/&gt;months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Subordinated debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;790&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,744&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,255&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,926&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,715&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Senior unsecured debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,056&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,654&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50,189&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,089&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,469&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;143,457&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Senior secured debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,038&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,110&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,467&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,116&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,513&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;107,244&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Promissory notes and other securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,709&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,042&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;299&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;154&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;312&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,516&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Debt securities issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;38,803&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;48,596&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;95,699&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;64,614&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;72,220&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;319,932&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span id="i9f3292e39ad04b86b357024adefd2a96"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:119%"&gt;b) Bonds and debentures outstanding&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by currency of issue, of  'Bonds and debentures outstanding' is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.606%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency of issue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Outstanding issue amount in foreign currency (Million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Annual&lt;br/&gt;interest rate (%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;117,350&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;110,973&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;101,657&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;117,350&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.72%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71,140&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;79,740&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;70,229&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;83,632&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.73%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,548&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,961&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,520&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,301&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.14%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,848&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,683&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,861&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;141,089&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14.21%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chilean peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,697&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,579&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,921&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,977,648&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.61%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other currencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,310&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,829&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,692&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;253,893&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;252,765&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;231,880&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in 'Bonds and debentures outstanding' were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:75.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.754%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;Balance at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;252,765&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;231,880&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;211,597&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;Net inclusion of entities in the Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;(1,224)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;(1,467)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;SPIRE SA Compartment 2023-374&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,224)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Auto ABS UK Loans PLC&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(841)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;PSA Bank Deutschland GmbH&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(626)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;Issues&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;72,014&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;77,921&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;68,568&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander, S.A. &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,682&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;20,559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,706&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander (Brasil) S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,827&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,039&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,781&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Group UK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,450&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,002&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Consumer USA Holdings Inc.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,705&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,949&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,309&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander International Products, Plc.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,071&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,752&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,054&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Stellantis Financial Services Italia S.p.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,020&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,021&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Consumer Bank S.p.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,799&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,460&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Holdings USA, Inc.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,772&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,004&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,850&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Fondo de Titulizaci&#xf3;n, Santander Consumo 8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,523&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Fondo de Titulizaci&#xf3;n, Santander Consumo 9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,421&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander - Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,204&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;814&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;Santander Consumer Finance, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,181&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,557&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander Totta, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,069&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,129&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,734&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Bank, National Association&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;853&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,133&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,346&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;SC Germany S.A., Compartment Consumer 2025-2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;850&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;SC Austria S.&#xe0; r.l., Compartment Consumer 2025-1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Secucor Finance 2025-1 Designated Activity Company&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander M&#xe9;xico, S.A., Instituci&#xf3;n de Banca M&#xfa;ltiple, Grupo Financiero Santander M&#xe9;xico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;787&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;875&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Hyundai Capital Bank Europe GmbH Italy&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;749&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banque Stellantis France&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;728&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;897&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Consumer Bank AG&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;180&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,256&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;SC Germany S.A., Compartment Consumer 2024-1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Consumo 6, F.T.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Consumo 7, F.T.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Bank Polska S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,002&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;SC Germany S.A., Compartment Consumer 2024-2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;Redemptions and repurchases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;(60,335)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;(57,676)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;(48,825)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(14,854)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(15,888)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(7,889)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander (Brasil) S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(9,430)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6,919)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(10,542)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Consumer USA Holdings Inc.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(7,905)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(10,806)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(14,466)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Group UK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(4,936)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(7,764)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6,185)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Consumer Finance, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,743)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,900)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,800)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Holdings USA, Inc.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,693)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,387)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Bank, National Association&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,648)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,440)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(567)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander M&#xe9;xico, S.A., Instituci&#xf3;n de Banca M&#xfa;ltiple, Grupo Financiero Santander M&#xe9;xico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,084)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(122)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(140)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander - Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,930)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,486)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(575)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander International Products, Plc.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,327)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(584)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(728)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Consumer Bank S.p.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,327)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(233)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Consumer Bank AS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,174)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(839)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(681)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banque Stellantis France&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(746)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(565)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(813)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Stellantis Financial Services Italia S.p.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(698)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander Totta, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(223)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,055)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(108)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;Exchange differences and other movements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;(10,551)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;1,864&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;2,007&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;Balance at&#160;year-end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;253,893&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;252,765&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;231,880&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i0a37cf9ba39947ebabd1d34b9996b9e0"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;c) Notes and other securities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The notes of the Group (see Note 22.a) were issued basically by Santander Consumer Finance, S.A., Santander UK plc, Banco Santander (M&#xe9;xico), S.A. Instituci&#xf3;n de Banca M&#xfa;ltiple, Grupo Financiero Santander M&#xe9;xico, Banco Santander, S.A., Santander Consumer Bank AG, Banque Stellantis France, Banco Santander -Chile and Banco Santander S.A. - Uruguay.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i8023adbc3c0740689b44ec0e2ff4f518"&gt;&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;d) Guarantees&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Set forth below is information on the liabilities secured by assets:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.643%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Asset-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55,031&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49,723&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37,717&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which, mortgage-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,961&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,377&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,019&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other mortgage securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51,438&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50,141&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which: mortgage-backed bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22,624&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22,631&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;24,619&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Covered bonds (non mortgage and export financing)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,728&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;995&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;764&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;108,197&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;100,859&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;87,959&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The main characteristics of the assets securing the aforementioned financial liabilities are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;1.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.44pt"&gt;Asset-backed securities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt"&gt;Mortgage-backed securities- these securities are secured by mortgage assets (see Note&#160;10.e) with average maturities of more than ten years that must: be a first mortgage for acquisition of principal or second residence, be current in payments, have a loan-to-value ratio below 80% and have a liability insurance policy in force covering at least the appraisal value. The value of the financial liabilities broken down in the foregoing table is lower than the balance of the assets securing them&#160;&#x2014;securitised assets retained on the balance sheet&#x2014; mainly because the Group repurchases a portion of the bonds issued, and in such cases they are not recognised on the liability side of the consolidated balance sheet.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt"&gt;Other asset&#160;- backed securities: includes asset-backed securities, notes issued by securitization funds collateralized mainly by mortgage loans that do not meet the above requirements and other loans (mainly personal loans with an average maturity of five years and loans to SMEs with average maturities of seven years) and private issues of Santander Consumer USA Holdings Inc. collateralized by vehicles assigned under operating leases.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;2.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.44pt"&gt;Other mortgage securities include mainly: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.87pt"&gt;Mortgage-backed bonds with average maturities of more than ten years that are secured by a portfolio of mortgage loans and credits (included in secured loans&#160; &#x2014;see note&#160;10.b&#x2014;) which must: not be classified as of procedural stage; have available appraisals performed by specialised entities; have a loan-to-value (LTV) ratio below 80% in the case of home loans and below 60% for loans for other assets and have sufficient liability insurance.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.57pt"&gt;Other debt securities issued as part of the Group&#x2019;s liquidity strategy in the UK, mainly covered bonds in the UK secured by mortgage loans and other assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander has a balance corresponding to mortgage bonds at 31 December 2025 of EUR 22,624 million (all of them issued in euros), which correspond to issues of Banco Santander, S.A. (with an outstanding face value of EUR 22,360 million).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The issuing entity may repay the mortgage bonds early, if this has been expressly established in the final conditions of the issue in question and in the conditions established there. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;None of the mortgage bonds issued by Banco Santander have replacement assets involved.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;During 2023, the Bank of Spain has published Circular 1/2023 of 4 February , which modifies Circular 4/2017, repealing the breakdown in the annual accounts and the information related to internal accounting development and management control.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, Banco Santander, S.A. issues internationalization certificates, which are securities whose capital and interest are guaranteed by loans and credits that are linked to the financing of export contracts or the internationalization of companies. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The fair value of the guarantees received by the Group (financial and non-financial assets) which the Group is authorised to sell or pledge even if the owner of the guarantee has not defaulted is scantly material taking into account the Consolidated financial statements as a whole.&lt;/span&gt;&lt;/div&gt;</san:ScheduleOfMarketDebtSecuritiesTextBlock>
    <san:ScheduleOfMarketableDebtSecuritiesTableTextBlock contextRef="c-1" id="f-4935">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by classification and type, of Marketable debt securities is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Classification&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities&lt;br/&gt;held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities designated&lt;br/&gt;at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,686&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,371&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities&lt;br/&gt;at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;312,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;317,967&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;303,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;324,390&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;325,521&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;308,579&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Bonds and debentures outstanding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;253,893&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;252,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;231,880&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Subordinated&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,859&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,461&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30,529&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Notes&#160;and other securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,638&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37,295&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,170&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;324,390&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;325,521&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;308,579&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:ScheduleOfMarketableDebtSecuritiesTableTextBlock>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-50" decimals="-6" id="f-4936" unitRef="eur">0</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-51" decimals="-6" id="f-4937" unitRef="eur">0</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading contextRef="c-52" decimals="-6" id="f-4938" unitRef="eur">0</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-50" decimals="-6" id="f-4939" unitRef="eur">11686000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-51" decimals="-6" id="f-4940" unitRef="eur">7554000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-52" decimals="-6" id="f-4941" unitRef="eur">5371000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-50" decimals="-6" id="f-4942" unitRef="eur">312704000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-51" decimals="-6" id="f-4943" unitRef="eur">317967000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilitiesAtAmortisedCost contextRef="c-52" decimals="-6" id="f-4944" unitRef="eur">303208000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
    <ifrs-full:FinancialLiabilities contextRef="c-50" decimals="-6" id="f-4945" unitRef="eur">324390000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-51" decimals="-6" id="f-4946" unitRef="eur">325521000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-52" decimals="-6" id="f-4947" unitRef="eur">308579000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2190" decimals="-6" id="f-4948" unitRef="eur">253893000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2191" decimals="-6" id="f-4949" unitRef="eur">252765000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2192" decimals="-6" id="f-4950" unitRef="eur">231880000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2193" decimals="-6" id="f-4951" unitRef="eur">28859000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2194" decimals="-6" id="f-4952" unitRef="eur">35461000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2195" decimals="-6" id="f-4953" unitRef="eur">30529000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2196" decimals="-6" id="f-4954" unitRef="eur">41638000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2197" decimals="-6" id="f-4955" unitRef="eur">37295000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2198" decimals="-6" id="f-4956" unitRef="eur">46170000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-50" decimals="-6" id="f-4957" unitRef="eur">324390000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-51" decimals="-6" id="f-4958" unitRef="eur">325521000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-52" decimals="-6" id="f-4959" unitRef="eur">308579000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:MaturityAnalysisForNonderivativeFinancialLiabilities contextRef="c-1" id="f-4960">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The distribution of the book value of debt securities issued by contractual maturity at 31 December 2025 is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.198%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within 3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3 to 12&lt;br/&gt;months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Subordinated debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;798&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,760&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,277&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,859&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Senior unsecured debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,509&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,643&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51,461&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,465&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,618&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;145,696&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Senior secured debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,529&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,308&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,661&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,106&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,593&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;108,197&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Promissory notes and other securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,747&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,060&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;335&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;170&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;326&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,638&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Debt securities issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;39,785&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;49,809&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;97,217&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;65,018&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;72,561&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;324,390&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The distribution by contractual maturity of the notional amounts of these debt securities issued at 31 December 2025 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.198%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within 3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3 to 12&lt;br/&gt;months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Subordinated debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;790&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,744&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,255&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,926&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,715&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Senior unsecured debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,056&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,654&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50,189&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,089&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,469&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;143,457&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Senior secured debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,038&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,110&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,467&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,116&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,513&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;107,244&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Promissory notes and other securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,709&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,042&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;299&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;154&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;312&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,516&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Debt securities issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;38,803&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;48,596&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;95,699&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;64,614&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;72,220&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;319,932&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The analysis of the maturities of lease liabilities at 31 December 2025, 2024 and 2023 is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Maturity Analysis - Discounted payments&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Within 1 year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;466&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;586&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Between 1 and 3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;619&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;868&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;918&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Between 3 and 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;480&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Later than 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;422&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;403&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;416&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total discounted payments at the end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,822&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,202&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,400&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:MaturityAnalysisForNonderivativeFinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2199" decimals="-6" id="f-4961" unitRef="eur">0</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2200" decimals="-6" id="f-4962" unitRef="eur">798000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2201" decimals="-6" id="f-4963" unitRef="eur">1760000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2202" decimals="-6" id="f-4964" unitRef="eur">2277000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2203" decimals="-6" id="f-4965" unitRef="eur">24024000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2193" decimals="-6" id="f-4966" unitRef="eur">28859000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2204" decimals="-6" id="f-4967" unitRef="eur">10509000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2205" decimals="-6" id="f-4968" unitRef="eur">13643000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2206" decimals="-6" id="f-4969" unitRef="eur">51461000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2207" decimals="-6" id="f-4970" unitRef="eur">34465000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2208" decimals="-6" id="f-4971" unitRef="eur">35618000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2209" decimals="-6" id="f-4972" unitRef="eur">145696000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2210" decimals="-6" id="f-4973" unitRef="eur">11529000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2211" decimals="-6" id="f-4974" unitRef="eur">12308000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2212" decimals="-6" id="f-4975" unitRef="eur">43661000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2213" decimals="-6" id="f-4976" unitRef="eur">28106000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2214" decimals="-6" id="f-4977" unitRef="eur">12593000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2215" decimals="-6" id="f-4978" unitRef="eur">108197000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2216" decimals="-6" id="f-4979" unitRef="eur">17747000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2217" decimals="-6" id="f-4980" unitRef="eur">23060000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2218" decimals="-6" id="f-4981" unitRef="eur">335000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2219" decimals="-6" id="f-4982" unitRef="eur">170000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2220" decimals="-6" id="f-4983" unitRef="eur">326000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2196" decimals="-6" id="f-4984" unitRef="eur">41638000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2221" decimals="-6" id="f-4985" unitRef="eur">39785000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2222" decimals="-6" id="f-4986" unitRef="eur">49809000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2223" decimals="-6" id="f-4987" unitRef="eur">97217000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2224" decimals="-6" id="f-4988" unitRef="eur">65018000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2225" decimals="-6" id="f-4989" unitRef="eur">72561000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2226" decimals="-6" id="f-4990" unitRef="eur">324390000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:NotionalAmount contextRef="c-2199" decimals="-6" id="f-4991" unitRef="eur">0</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2200" decimals="-6" id="f-4992" unitRef="eur">790000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2201" decimals="-6" id="f-4993" unitRef="eur">1744000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2202" decimals="-6" id="f-4994" unitRef="eur">2255000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2203" decimals="-6" id="f-4995" unitRef="eur">22926000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2193" decimals="-6" id="f-4996" unitRef="eur">27715000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2204" decimals="-6" id="f-4997" unitRef="eur">10056000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2205" decimals="-6" id="f-4998" unitRef="eur">12654000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2206" decimals="-6" id="f-4999" unitRef="eur">50189000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2207" decimals="-6" id="f-5000" unitRef="eur">34089000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2208" decimals="-6" id="f-5001" unitRef="eur">36469000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2209" decimals="-6" id="f-5002" unitRef="eur">143457000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2210" decimals="-6" id="f-5003" unitRef="eur">11038000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2211" decimals="-6" id="f-5004" unitRef="eur">12110000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2212" decimals="-6" id="f-5005" unitRef="eur">43467000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2213" decimals="-6" id="f-5006" unitRef="eur">28116000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2214" decimals="-6" id="f-5007" unitRef="eur">12513000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2215" decimals="-6" id="f-5008" unitRef="eur">107244000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2216" decimals="-6" id="f-5009" unitRef="eur">17709000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2217" decimals="-6" id="f-5010" unitRef="eur">23042000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2218" decimals="-6" id="f-5011" unitRef="eur">299000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2219" decimals="-6" id="f-5012" unitRef="eur">154000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2220" decimals="-6" id="f-5013" unitRef="eur">312000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2196" decimals="-6" id="f-5014" unitRef="eur">41516000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2221" decimals="-6" id="f-5015" unitRef="eur">38803000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2222" decimals="-6" id="f-5016" unitRef="eur">48596000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2223" decimals="-6" id="f-5017" unitRef="eur">95699000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2224" decimals="-6" id="f-5018" unitRef="eur">64614000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2225" decimals="-6" id="f-5019" unitRef="eur">72220000000</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-2226" decimals="-6" id="f-5020" unitRef="eur">319932000000</ifrs-full:NotionalAmount>
    <san:DisclosureOfDetailsByCurrencyOfIssueOfFinancialLiabilitiesOutstandingTableTextBlock contextRef="c-1" id="f-5021">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by currency of issue, of  'Bonds and debentures outstanding' is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.606%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency of issue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Outstanding issue amount in foreign currency (Million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Annual&lt;br/&gt;interest rate (%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;117,350&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;110,973&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;101,657&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;117,350&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.72%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71,140&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;79,740&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;70,229&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;83,632&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.73%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,548&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,961&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,520&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,301&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.14%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,848&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,683&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,861&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;141,089&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14.21%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chilean peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,697&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,579&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,921&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,977,648&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.61%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other currencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,310&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,829&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,692&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;253,893&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;252,765&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;231,880&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfDetailsByCurrencyOfIssueOfFinancialLiabilitiesOutstandingTableTextBlock>
    <ifrs-full:FinancialLiabilities contextRef="c-2227" decimals="-6" id="f-5022" unitRef="eur">117350000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2228" decimals="-6" id="f-5023" unitRef="eur">110973000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2229" decimals="-6" id="f-5024" unitRef="eur">101657000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2227" decimals="-6" id="f-5025" unitRef="eur">117350000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:BorrowingsInterestRate
      contextRef="c-2227"
      decimals="4"
      id="f-5026"
      unitRef="number">0.0272</ifrs-full:BorrowingsInterestRate>
    <ifrs-full:FinancialLiabilities contextRef="c-2230" decimals="-6" id="f-5027" unitRef="eur">71140000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2231" decimals="-6" id="f-5028" unitRef="eur">79740000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2232" decimals="-6" id="f-5029" unitRef="eur">70229000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2230" decimals="-6" id="f-5030" unitRef="usd">83632000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:BorrowingsInterestRate
      contextRef="c-2230"
      decimals="4"
      id="f-5031"
      unitRef="number">0.0473</ifrs-full:BorrowingsInterestRate>
    <ifrs-full:FinancialLiabilities contextRef="c-2233" decimals="-6" id="f-5032" unitRef="eur">25548000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2234" decimals="-6" id="f-5033" unitRef="eur">23961000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2235" decimals="-6" id="f-5034" unitRef="eur">20520000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2233" decimals="-6" id="f-5035" unitRef="gbp">22301000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:BorrowingsInterestRate
      contextRef="c-2233"
      decimals="4"
      id="f-5036"
      unitRef="number">0.0514</ifrs-full:BorrowingsInterestRate>
    <ifrs-full:FinancialLiabilities contextRef="c-2236" decimals="-6" id="f-5037" unitRef="eur">21848000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2237" decimals="-6" id="f-5038" unitRef="eur">18683000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2238" decimals="-6" id="f-5039" unitRef="eur">21861000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2236" decimals="-6" id="f-5040" unitRef="brl">141089000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:BorrowingsInterestRate
      contextRef="c-2236"
      decimals="4"
      id="f-5041"
      unitRef="number">0.1421</ifrs-full:BorrowingsInterestRate>
    <ifrs-full:FinancialLiabilities contextRef="c-2239" decimals="-6" id="f-5042" unitRef="eur">4697000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2240" decimals="-6" id="f-5043" unitRef="eur">4579000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2241" decimals="-6" id="f-5044" unitRef="eur">4921000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2239" decimals="-6" id="f-5045" unitRef="clp">4977648000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:BorrowingsInterestRate
      contextRef="c-2239"
      decimals="4"
      id="f-5046"
      unitRef="number">0.0361</ifrs-full:BorrowingsInterestRate>
    <ifrs-full:FinancialLiabilities contextRef="c-2242" decimals="-6" id="f-5047" unitRef="eur">13310000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2243" decimals="-6" id="f-5048" unitRef="eur">14829000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2244" decimals="-6" id="f-5049" unitRef="eur">12692000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2190" decimals="-6" id="f-5050" unitRef="eur">253893000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2191" decimals="-6" id="f-5051" unitRef="eur">252765000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilities contextRef="c-2192" decimals="-6" id="f-5052" unitRef="eur">231880000000</ifrs-full:FinancialLiabilities>
    <san:DisclosureOfChangesInBondsAndDebenturesOutstandingTableTextBlock contextRef="c-1" id="f-5053">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in 'Bonds and debentures outstanding' were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:75.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.754%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;Balance at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;252,765&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;231,880&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;211,597&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;Net inclusion of entities in the Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;(1,224)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;(1,467)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;SPIRE SA Compartment 2023-374&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,224)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Auto ABS UK Loans PLC&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(841)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;PSA Bank Deutschland GmbH&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(626)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;Issues&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;72,014&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;77,921&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;68,568&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander, S.A. &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,682&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;20,559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,706&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander (Brasil) S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,827&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,039&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,781&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Group UK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,450&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,002&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Consumer USA Holdings Inc.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,705&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,949&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,309&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander International Products, Plc.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,071&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,752&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,054&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Stellantis Financial Services Italia S.p.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,020&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,021&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Consumer Bank S.p.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,799&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,460&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Holdings USA, Inc.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,772&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,004&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,850&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Fondo de Titulizaci&#xf3;n, Santander Consumo 8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,523&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Fondo de Titulizaci&#xf3;n, Santander Consumo 9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,421&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander - Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,204&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;814&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;Santander Consumer Finance, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,181&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,557&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander Totta, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,069&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,129&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,734&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Bank, National Association&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;853&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,133&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,346&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;SC Germany S.A., Compartment Consumer 2025-2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;850&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;SC Austria S.&#xe0; r.l., Compartment Consumer 2025-1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Secucor Finance 2025-1 Designated Activity Company&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander M&#xe9;xico, S.A., Instituci&#xf3;n de Banca M&#xfa;ltiple, Grupo Financiero Santander M&#xe9;xico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;787&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;875&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Hyundai Capital Bank Europe GmbH Italy&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;749&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banque Stellantis France&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;728&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;897&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Consumer Bank AG&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;180&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,256&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;SC Germany S.A., Compartment Consumer 2024-1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Consumo 6, F.T.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Consumo 7, F.T.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Bank Polska S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,002&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;SC Germany S.A., Compartment Consumer 2024-2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;Redemptions and repurchases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;(60,335)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;(57,676)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;(48,825)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(14,854)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(15,888)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(7,889)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander (Brasil) S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(9,430)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6,919)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(10,542)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Consumer USA Holdings Inc.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(7,905)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(10,806)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(14,466)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Group UK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(4,936)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(7,764)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6,185)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Consumer Finance, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,743)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,900)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,800)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Holdings USA, Inc.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,693)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,387)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Bank, National Association&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,648)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,440)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(567)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander M&#xe9;xico, S.A., Instituci&#xf3;n de Banca M&#xfa;ltiple, Grupo Financiero Santander M&#xe9;xico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,084)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(122)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(140)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander - Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,930)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,486)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(575)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander International Products, Plc.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,327)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(584)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(728)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Consumer Bank S.p.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,327)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(233)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Consumer Bank AS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,174)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(839)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(681)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banque Stellantis France&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(746)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(565)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(813)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Stellantis Financial Services Italia S.p.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(698)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander Totta, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(223)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,055)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;line-height:105%"&gt;(108)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;Exchange differences and other movements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;(10,551)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;1,864&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;2,007&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;Balance at&#160;year-end&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;253,893&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;252,765&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;231,880&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfChangesInBondsAndDebenturesOutstandingTableTextBlock>
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    <ifrs-full:FinancialLiabilities contextRef="c-2192" decimals="-6" id="f-5203" unitRef="eur">231880000000</ifrs-full:FinancialLiabilities>
    <san:DisclosureOfFinancialLiabilitiesSecuredByFinancialAssetsTableTextBlock contextRef="c-1" id="f-5204">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Set forth below is information on the liabilities secured by assets:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.643%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Asset-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55,031&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49,723&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37,717&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which, mortgage-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,961&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,377&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,019&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other mortgage securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51,438&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50,141&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which: mortgage-backed bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22,624&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22,631&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;24,619&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Covered bonds (non mortgage and export financing)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,728&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;995&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;764&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;108,197&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;100,859&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;87,959&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfFinancialLiabilitiesSecuredByFinancialAssetsTableTextBlock>
    <san:LiabilitiesSecuredByAssetBackedSecurities contextRef="c-50" decimals="-6" id="f-5205" unitRef="eur">55031000000</san:LiabilitiesSecuredByAssetBackedSecurities>
    <san:LiabilitiesSecuredByAssetBackedSecurities contextRef="c-51" decimals="-6" id="f-5206" unitRef="eur">49723000000</san:LiabilitiesSecuredByAssetBackedSecurities>
    <san:LiabilitiesSecuredByAssetBackedSecurities contextRef="c-52" decimals="-6" id="f-5207" unitRef="eur">37717000000</san:LiabilitiesSecuredByAssetBackedSecurities>
    <san:LiabilitiesSecuredByMortgageBackedSecurities contextRef="c-50" decimals="-6" id="f-5208" unitRef="eur">5961000000</san:LiabilitiesSecuredByMortgageBackedSecurities>
    <san:LiabilitiesSecuredByMortgageBackedSecurities contextRef="c-51" decimals="-6" id="f-5209" unitRef="eur">4377000000</san:LiabilitiesSecuredByMortgageBackedSecurities>
    <san:LiabilitiesSecuredByMortgageBackedSecurities contextRef="c-52" decimals="-6" id="f-5210" unitRef="eur">3019000000</san:LiabilitiesSecuredByMortgageBackedSecurities>
    <san:LiabilitiesSecuredByNonAssetBackedSecurities contextRef="c-50" decimals="-6" id="f-5211" unitRef="eur">51438000000</san:LiabilitiesSecuredByNonAssetBackedSecurities>
    <san:LiabilitiesSecuredByNonAssetBackedSecurities contextRef="c-51" decimals="-6" id="f-5212" unitRef="eur">50141000000</san:LiabilitiesSecuredByNonAssetBackedSecurities>
    <san:LiabilitiesSecuredByNonAssetBackedSecurities contextRef="c-52" decimals="-6" id="f-5213" unitRef="eur">49478000000</san:LiabilitiesSecuredByNonAssetBackedSecurities>
    <san:LiabilitiesSecuredByMortgageBackedBonds contextRef="c-50" decimals="-6" id="f-5214" unitRef="eur">22624000000</san:LiabilitiesSecuredByMortgageBackedBonds>
    <san:LiabilitiesSecuredByMortgageBackedBonds contextRef="c-51" decimals="-6" id="f-5215" unitRef="eur">22631000000</san:LiabilitiesSecuredByMortgageBackedBonds>
    <san:LiabilitiesSecuredByMortgageBackedBonds contextRef="c-52" decimals="-6" id="f-5216" unitRef="eur">24619000000</san:LiabilitiesSecuredByMortgageBackedBonds>
    <san:LiabilitiesSecuredByCoveredBond contextRef="c-50" decimals="-6" id="f-5217" unitRef="eur">1728000000</san:LiabilitiesSecuredByCoveredBond>
    <san:LiabilitiesSecuredByCoveredBond contextRef="c-51" decimals="-6" id="f-5218" unitRef="eur">995000000</san:LiabilitiesSecuredByCoveredBond>
    <san:LiabilitiesSecuredByCoveredBond contextRef="c-52" decimals="-6" id="f-5219" unitRef="eur">764000000</san:LiabilitiesSecuredByCoveredBond>
    <san:LiabilitiesSecuredByFinancialAssets contextRef="c-50" decimals="-6" id="f-5220" unitRef="eur">108197000000</san:LiabilitiesSecuredByFinancialAssets>
    <san:LiabilitiesSecuredByFinancialAssets contextRef="c-51" decimals="-6" id="f-5221" unitRef="eur">100859000000</san:LiabilitiesSecuredByFinancialAssets>
    <san:LiabilitiesSecuredByFinancialAssets contextRef="c-52" decimals="-6" id="f-5222" unitRef="eur">87959000000</san:LiabilitiesSecuredByFinancialAssets>
    <san:MortgageBackedSecuritiesAverageMaturity contextRef="c-2339" id="f-5223">P10Y</san:MortgageBackedSecuritiesAverageMaturity>
    <san:MortgageBackedSecuritiesLoanToValueRatio
      contextRef="c-2340"
      decimals="INF"
      id="f-5224"
      unitRef="number">0.80</san:MortgageBackedSecuritiesLoanToValueRatio>
    <san:OtherAssetBackedSecuritiesPersonalLoansAverageMaturity contextRef="c-2341" id="f-5225">P5Y</san:OtherAssetBackedSecuritiesPersonalLoansAverageMaturity>
    <san:OtherAssetBackedSecuritiesSMEAverageMaturity contextRef="c-2341" id="f-5226">P7Y</san:OtherAssetBackedSecuritiesSMEAverageMaturity>
    <san:MortgageBackedBondsAverageMaturity contextRef="c-2339" id="f-5227">P10Y</san:MortgageBackedBondsAverageMaturity>
    <san:MortgageBackedBondsLoanToValueRatioHomeLoans
      contextRef="c-2340"
      decimals="INF"
      id="f-5228"
      unitRef="number">0.80</san:MortgageBackedBondsLoanToValueRatioHomeLoans>
    <san:MortgageBackedBondsLoanToValueRatioOtherAssetsLoans
      contextRef="c-2340"
      decimals="INF"
      id="f-5229"
      unitRef="number">0.60</san:MortgageBackedBondsLoanToValueRatioOtherAssetsLoans>
    <san:LiabilitiesSecuredByMortgageBackedBonds contextRef="c-2" decimals="-6" id="f-5230" unitRef="eur">22624000000</san:LiabilitiesSecuredByMortgageBackedBonds>
    <san:MortgageBackedBondsOutstandingFaceValue contextRef="c-1730" decimals="-6" id="f-5231" unitRef="eur">22360000000</san:MortgageBackedBondsOutstandingFaceValue>
    <ifrs-full:DisclosureOfSubordinatedLiabilitiesExplanatory contextRef="c-1" id="f-5232">Subordinated liabilities&lt;div style="margin-bottom:6pt;margin-top:3pt;padding-right:263.62pt"&gt;&lt;span id="ibf215cc2b27e4246bacfb045ee1ff0a4"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Breakdown&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by currency of issue, of Subordinated liabilities, deposits and marketable debt securities,  in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:42.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.496%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:16pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Outstanding issue amount in foreign currency (million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Annual interest rate (%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency of issue&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,402&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,999&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,684&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,402&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.55%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,425&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,300&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,462&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.53%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,354&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,600&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,518&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,117&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16.30%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,347&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,409&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,353&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.28%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other currencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,434&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,380&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,057&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7.75pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7.75pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;29,287&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;35,813&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,912&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Note 51 contains a detail of the residual maturity periods of subordinated liabilities at each year-end.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i0dad061466ca4bd289193a838b32d01d"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Changes&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The movement in the balance of subordinated liabilities in the last three&#160;years were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:58.776%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.173%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at beginning of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,813&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,926&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net inclusion of entities in the Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issuances&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,007&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,862&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,610&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander (Brasil) S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banque Stellantis France&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Redemptions and repurchases&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7,110)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,572)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,781)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6,754)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,433)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,000)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander UK Group Holdings plc&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(352)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Bank Polska S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(100)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander UK plc&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(702)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banque Stellantis France&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(78)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other movements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,703)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;472&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(200)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;29,287&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;35,813&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,912&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:22pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;The balance rel&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;ating to issuances, r&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;edemptions and repurchases (EUR 4,823 million), together with the interest paid in remuneration of these issuances including PPCC (EUR 1,560 million), is included in the cash flow from financing activities.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span id="i6dc0c66d71ce46279e7d2e4cc33185d1"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;c) Other disclosures &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This caption includes contingent convertible or redeemable preferred participations, as well as other subordinated financial instruments issued by consolidated companies, which do not qualify as equity (preferred shares).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Preferred shares do not have voting rights and are non-cumulative. They have been subscribed by third parties outside the Group, and except for the issuances of Santander UK plc, the rest are redeemable by decision of the issuer, according to the terms of each issue.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Banco Santander's contingently convertible preferred participations are subordinated debentures and rank after common creditors and any other subordinated credit that by law and/or by their terms, to the extent permitted by Spanish law, ranks higher than the contingently convertible preferred participations. Their remuneration is conditioned to the obtainment of sufficient distributable profits, and to the limitations imposed by the regulations on shareholders' equity, and they have no voting rights. The other issues of Banco Santander, S.A. mentioned in this caption are also subordinated debentures and, for credit ranking purposes, they rank behind all the common creditors of the issuing entities and ahead of any other subordinated credit that ranks pari passu with the Bank's contingently convertible preferred participations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The main issuances of subordinated debt securities, broken down by company, are detailed below:  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"&gt;Issuances by Banco Santander, S.A. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 1 December 2025, Banco Santander, S.A. has proceeded to redeem in advance all the issued subordinated obligations: 'EUR 60,000,000', with original maturity date on December 2026 and with ISIN code XS1492669509.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 19 November 2025, Banco Santander, S.A. carried out an issuance for an amount of USD 1,500&#160;million with ISIN code US05971KAA79.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 24 September 2025, Banco Santander, S.A. proceeded to redeem in advance all the issued subordinated obligations: 'EUR 50,000,000 Fixed/Floating', with original maturity date on March 2029 and with ISIN code XS1585005314.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 5 August 2025, Banco Santander, S.A. proceeded to redeem in advance the subordinated debt issuances with ISIN code XS1384064587, for a nominal amount of EUR 1,500&#160;million, with a coupon of 3.250% and original maturity date on April 2026 and with ISIN code XS1548444816, for a nominal amount of EUR 1,000&#160;million, with a coupon of 3.125% and original maturity date on January 2027.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 2 July 2025, Banco Santander, S.A. proceeded to repurchase for their subsequent redeem in advance the contingently convertible preferred shares with ISIN code XS2102912966, for a total nominal amount of EUR 466.6 million and which are traded on the market of the Irish Stock Exchange 'Global Exchange Market', leaving the amount in circulation at  EUR 1,033.4 million.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 2 July 2025, Banco Santander, S.A. carried out a placement of preference shares contingently convertible into newly issued ordinary shares of the Bank (PPCC), for a nominal amount of EUR 1,500&#160;million with ISIN code XS3100756637 . The Issuance has been made at par and the remuneration of the PPCC, whose payment is subject to certain conditions and is also discretionary, has been set at 6% quarterly for the first six years, being reviewed every five years thereafter by applying a margin of 381.9 basis points over the five-year mid-swap rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 18 March 2025, Banco Santander, S.A. carried out an issuance for an amount of EUR 1,500&#160;million with ISIN code XS1201001572.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 17 February 2025, Banco Santander, S.A. prepaid EUR 600.8&#160;million out of a total of EUR 1,500&#160;million of the transaction with ISIN XS138406464587 following the tender announcement launched on 6 February 2025.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 17 February 2025, Banco Santander, S.A. prepaid EUR 563.6&#160;million euros out of a total of EUR 1,000&#160;million of the transaction with ISIN XS1548444816 following the tender announcement launched on 6 February 2025.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 1 August 2024, Banco Santander, S.A. carried out a placement of preference shares contingently convertible into newly issued ordinary shares of the Bank (PPCC), for a nominal amount of USD 1,500&#160;million (valued at EUR 1,356&#160;million). The issuance has been made at par and the remuneration of the PPCC, whose payment is subject to certain conditions and is also discretionary, has been set at 8% annually for the first ten years, being reviewed every five years thereafter by applying a margin of 391.1 basis points over the 5-year mid-swap rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 20 May 2024, Banco Santander, S.A., proceeded to partially redeem in advance the contingently convertible preferred shares with ISIN code XS1793250041, for a total nominal amount of EUR 1,312&#160;million and which are traded on the market of the Irish Stock Exchange 'Global Exchange Market' (the 'PPCC'), leaving the amount in circulation at EUR 187.6&#160;million.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 20 May 2024, Banco Santander, S.A. carried out a placement of preference shares contingently convertible into newly issued ordinary shares of the Bank (PPCC), for a nominal amount of EUR 1,500&#160;million. The Issuance has been made at par and the remuneration of the PPCC, whose payment is subject to certain conditions and is also discretionary, has been set at 7% annually for the first six years, being reviewed every five years thereafter by applying a margin of 443.2 basis points over the 5-year mid-swap rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 14 March 2024, Banco Santander, S.A. issued subordinated obligations for an amount of USD 1,250&#160;million (valued at EUR 1,158&#160;million) for a term of 10 years. The issuance was made at par and the issue coupon was set at 6.35% per year, payable bi-annually.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 8 February 2024, Banco Santander, S.A., proceeded to prepay all of the contingently convertible Tier 1 preferred shares with ISIN code XS1951093894, for a total nominal amount of USD 1,200&#160;million (valued at EUR 1,110&#160;million) and that were traded on the Irish Stock Exchange 'Global Exchange Market' (the 'PPCC').&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 22 January 2024, Banco Santander, S.A. issued subordinated bonds for an amount of EUR 1,250&#160;million for a term of 10 years and 3 months. The issue was carried out at 99.74% and the issue coupon was set at 5% per year for the first 5 years and 3 months, with an amortization option in April 2029, reviewing the coupon, in case of non-amortization, at a fixed rate equivalent to a margin of 250 points plus the 5-year Euro swap rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 29 December 2023,  Banco Santander, S.A., proceeded to prepay all the Tier 1 Contingently Convertible Preferred Securities with ISIN code  XS1692931121 for a total nominal amount of EUR 1,000&#160;million and which were traded on the Irish Stock Market 'Global Exchange Market' (the 'PPCC').&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 21 November 2023, Banco Santander, S.A., carried out a placement of two series of contingently convertible preferred shares into newly issued ordinary shares of the Bank, for a total nominal amount of USD 1,150&#160;million (EUR 1,054&#160;million at the exchange rate on the day of issue) and USD 1,350&#160;million (EUR 1,235&#160;million at the exchange rate on the day of issue), respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The issue was carried out at par and the remuneration of the PPCC, whose payment is subject to certain conditions and is also discretionary, was set (i) for the first Series at 9.625% annually for the first five years and six months, being reviewed every five years thereafter by applying a margin of 530.6 basis points on the five-year UST rate (5-year UST), and (ii) for the second Series at 9.625% annually for the first ten years, being reviewed thereafter every five years, applying a margin of 529.8 basis points on the five-year UST rate. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 8 August 2023, Banco Santander, S.A. carried out an issuance of subordinated obligations for an amount of 2,000&#160;million dollars (1,821&#160;million euros at the exchange rate on the day of issuance). The issue was carried out at par coupon was set at 6.921% per year, payable semiannually during the 10-year life of the operation. &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 23 May 2023, Banco Santander, S.A. issued subordinated bonds for an amount of 1,500&#160;million euros for a term of 10 years and 3 months. The issue was carried at 99.739% and the coupon of the issue was set at 5.75% annually for the first 5 years and 3 months, with the option of amortization in August 2028, revising the coupon, in case of non-amortization, at a margin of 285 points plus the Euro Swap type 5 years.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 25 April 2022, Banco Santander, S.A. proceeded to prepay all the Tier 1 Contingently Convertible Preferred Securities with ISIN code XS1602466424 and common code 160246642 in circulation, for a total nominal amount of EUR 750&#160;million and which were traded on the Irish Stock Market 'Global Exchange Market' (the 'PPCC').&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 22  November 2021, Banco Santander, S.A. issued subordinated debentures for a term of eleven years, with a redemption option on the tenth anniversary of the issue date, in the amount of USD 1,000&#160;million (EUR 1,007&#160;million at the exchange rate on the day of issue). The issue bears interest at an annual rate of 3.225%, payable semi-annually, for the first ten years. This issue has an early redemption option in the tenth year from the issue date and if the redemption is not executed in the tenth year, the coupon is repriced at a margin of 160 points over the one-year US government bond. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 4 October 2021, Banco Santander, S.A. issued subordinated debentures for a term of eleven years, with a redemption option on the sixth anniversary of the issue date, amounting to GBP 850&#160;million (EUR 887&#160;million at the exchange rate on the day of issue). The issue bears interest at an annual rate of 2.25%, payable annually for the first six years (then repricing at a margin of 165 points over the 5-year UK government bond).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 21 September 2021, Banco Santander, S.A. carried out a placement of preferential shares contingently convertible into newly issued ordinary shares of the Bank ('PPCC') for a nominal amount of EUR 1,000&#160;million (issue placed on the market EUR 997&#160;million). The issuance was carried out at par and the remuneration of the PPCC, whose payment is subject to certain conditions and is also discretionary, was set at 3.625% per year for the first eight years, being reviewed every five years applying a margin of 376 basis points over the 5-year Mid-Swap Rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 12 May 2021, Banco Santander, S.A. placed the issue of preference shares contingently convertible into newly issued ordinary shares of the Bank, previously announced, for a total nominal amount of  EUR 1,578&#160;million, issued in a Series in Dollars of  USD 1,000&#160;million (EUR 828&#160;million at the exchange rate on the day of issue) and a Series in Euros for an amount of EUR 750&#160;million. The issuance was carried out at par and the remuneration of the PPCC, whose payment is subject to certain conditions and is also discretionary, was set (i) for the Series in Dollars at 4.750% per annum for the first six years, being revised every five years applying a margin of 375.3 basis points over the 5-year UST rate and (ii) for the Series in Euros by 4.125% per annum for the first seven years, being revised every five years applying a margin of 431.1 basis points over the applicable 5-year euro mid-swap.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 3 December 2020, Banco Santander, S.A. issued subordinated debentures with a ten-year term of USD 1,500&#160;million (EUR 1,222&#160;million at the date of issue). The issue bears interest at an annual rate of 2.749%, payable semiannually.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 22 October 2020, it carried out a ten-year subordinated debenture issue for an amount of EUR 1,000&#160;million. The issue bears interest at an annual rate of 1.625%, payable annually.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 14 January 2020, it carried out a placement of contingently convertible preferred participations into newly issued ordinary shares of the Bank (the 'PPCCs'), excluding the pre-emptive subscription rights of its shareholders and for a nominal amount of  EUR 1,500&#160;million (the 'Issuance' and the 'PPCCs'). The Issuance was made at par and the remuneration of the PPCCs, the payment of which is subject to certain conditions and is also discretionary, was set at 4.375% per annum for the first six years, revised every five years thereafter by applying a margin of 453.4 basis points over the 5-year mid-Swap Rate (5-year mid-Swap Rate).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 8 February 2018, a ten-year subordinated debenture issuance of EUR 1,250&#160;million was carried out. The issue accrues annual interest of 2.125% payable annually.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"&gt;Issuances by Banco Santander (Brasil) S.A.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In early December 2025, Brazil closed a Tier 2 subordinated debt issuance in its local market with a 10-year term and the first call date at 5 years, for an amount of BRL 2.4&#160;billion. The issuance price was 10y CDI + 65 bps.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At September 2024, Brazil issued AT1 Financial Notes (PerpNC5) in its local market for an amount of BRL 7,600 million at CDI + 140% (equivalent to UST +222 bps).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At the beginning of October 2023, Banco Santander (Brasil) S.A. carried out an issuance of Subordinated Financial Bills (TIER II) in its local market for a 10-year term, with a repurchase option as of the fifth anniversary of the issuance date, in the amount of BRL 6,000&#160;million. The issuance price was CDI +1.6% per annum, payable at maturity. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At the end of November 2021, Banco Santander (Brasil) S.A. carried out an issuance of Subordinated Financial Bills (TIER II) in its local market for a 10-year term, with a repurchase option as of the fifth anniversary of the issue date, in the amount of BRL 5,500&#160;million. The issue price was CDI 2% per annum, payable at maturity.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"&gt;Issuance by Santander Bank Polska S.A.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 28 November 2024, Santander Bank Polska S.A proceeded to repay subordinated debt ISIN XS0531310182 for EUR 100&#160;million. The debt was originally fully subscribed by the EBRD at 5 August 2010.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The accrued interests from the subordinated liabilities during 2025 amounted to EUR 1,486 million (EUR 1,357 million and EUR 1,010 million during 2024 and 2023, respectively). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, interests from the PPCC and PPCA during 2025 amounted to EUR 622 million (EUR 620 million and EUR 492 million in 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfSubordinatedLiabilitiesExplanatory>
    <san:ScheduleOfSubordinatedLiabilitiesDetailsTableTextBlock contextRef="c-1" id="f-5233">&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by currency of issue, of Subordinated liabilities, deposits and marketable debt securities,  in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:42.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.496%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:16pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Outstanding issue amount in foreign currency (million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Annual interest rate (%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency of issue&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,402&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,999&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,684&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,402&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.55%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,425&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,300&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,462&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.53%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,354&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,600&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,518&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,117&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16.30%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,347&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,409&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,353&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.28%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other currencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,434&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,380&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,057&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7.75pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7.75pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;29,287&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;35,813&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,912&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:ScheduleOfSubordinatedLiabilitiesDetailsTableTextBlock>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2342" decimals="-6" id="f-5234" unitRef="eur">11402000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2343" decimals="-6" id="f-5235" unitRef="eur">14999000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2344" decimals="-6" id="f-5236" unitRef="eur">13684000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2342" decimals="-6" id="f-5237" unitRef="eur">11402000000</ifrs-full:SubordinatedLiabilities>
    <san:SubordinatedLiabilitiesInterestRate
      contextRef="c-2345"
      decimals="INF"
      id="f-5238"
      unitRef="number">0.0455</san:SubordinatedLiabilitiesInterestRate>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2346" decimals="-6" id="f-5239" unitRef="eur">9750000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2347" decimals="-6" id="f-5240" unitRef="eur">13425000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2348" decimals="-6" id="f-5241" unitRef="eur">11300000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2346" decimals="-6" id="f-5242" unitRef="usd">11462000000</ifrs-full:SubordinatedLiabilities>
    <san:SubordinatedLiabilitiesInterestRate
      contextRef="c-2349"
      decimals="INF"
      id="f-5243"
      unitRef="number">0.0653</san:SubordinatedLiabilitiesInterestRate>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2350" decimals="-6" id="f-5244" unitRef="eur">4354000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2351" decimals="-6" id="f-5245" unitRef="eur">3600000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2352" decimals="-6" id="f-5246" unitRef="eur">2518000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2350" decimals="-6" id="f-5247" unitRef="brl">28117000000</ifrs-full:SubordinatedLiabilities>
    <san:SubordinatedLiabilitiesInterestRate
      contextRef="c-2353"
      decimals="INF"
      id="f-5248"
      unitRef="number">0.1630</san:SubordinatedLiabilitiesInterestRate>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2354" decimals="-6" id="f-5249" unitRef="eur">1347000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2355" decimals="-6" id="f-5250" unitRef="eur">1409000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2356" decimals="-6" id="f-5251" unitRef="eur">1353000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2354" decimals="-6" id="f-5252" unitRef="gbp">1176000000</ifrs-full:SubordinatedLiabilities>
    <san:SubordinatedLiabilitiesInterestRate
      contextRef="c-2357"
      decimals="INF"
      id="f-5253"
      unitRef="number">0.0428</san:SubordinatedLiabilitiesInterestRate>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2358" decimals="-6" id="f-5254" unitRef="eur">2434000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2359" decimals="-6" id="f-5255" unitRef="eur">2380000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2360" decimals="-6" id="f-5256" unitRef="eur">2057000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities contextRef="c-59" decimals="-6" id="f-5257" unitRef="eur">29287000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities contextRef="c-60" decimals="-6" id="f-5258" unitRef="eur">35813000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities contextRef="c-61" decimals="-6" id="f-5259" unitRef="eur">30912000000</ifrs-full:SubordinatedLiabilities>
    <san:ScheduleOfReconciliationOfSubordinatedLiabilitiesTableTextBlock contextRef="c-1" id="f-5260">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The movement in the balance of subordinated liabilities in the last three&#160;years were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:58.776%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.173%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at beginning of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,813&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,926&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net inclusion of entities in the Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issuances&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,007&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,862&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,610&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander (Brasil) S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banque Stellantis France&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Redemptions and repurchases&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7,110)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,572)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,781)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6,754)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,433)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,000)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander UK Group Holdings plc&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(352)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Bank Polska S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(100)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander UK plc&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(702)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banque Stellantis France&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(78)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other movements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,703)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;472&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(200)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;29,287&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;35,813&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,912&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:22pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;The balance rel&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;ating to issuances, r&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;edemptions and repurchases (EUR 4,823 million), together with the interest paid in remuneration of these issuances including PPCC (EUR 1,560 million), is included in the cash flow from financing activities.&lt;/span&gt;&lt;/div&gt;</san:ScheduleOfReconciliationOfSubordinatedLiabilitiesTableTextBlock>
    <ifrs-full:SubordinatedLiabilities contextRef="c-60" decimals="-6" id="f-5261" unitRef="eur">35813000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities contextRef="c-61" decimals="-6" id="f-5262" unitRef="eur">30912000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2361" decimals="-6" id="f-5263" unitRef="eur">25926000000</ifrs-full:SubordinatedLiabilities>
    <san:SubordinatedLiabilitiesNetInclusionOfEntities contextRef="c-2362" decimals="-6" id="f-5264" unitRef="eur">0</san:SubordinatedLiabilitiesNetInclusionOfEntities>
    <san:SubordinatedLiabilitiesNetInclusionOfEntities contextRef="c-2363" decimals="-6" id="f-5265" unitRef="eur">0</san:SubordinatedLiabilitiesNetInclusionOfEntities>
    <san:SubordinatedLiabilitiesNetInclusionOfEntities contextRef="c-2364" decimals="-6" id="f-5266" unitRef="eur">40000000</san:SubordinatedLiabilitiesNetInclusionOfEntities>
    <san:AdditionsSubordinatedLiabilities contextRef="c-2362" decimals="-6" id="f-5267" unitRef="eur">2287000000</san:AdditionsSubordinatedLiabilities>
    <san:AdditionsSubordinatedLiabilities contextRef="c-2363" decimals="-6" id="f-5268" unitRef="eur">7001000000</san:AdditionsSubordinatedLiabilities>
    <san:AdditionsSubordinatedLiabilities contextRef="c-2364" decimals="-6" id="f-5269" unitRef="eur">7007000000</san:AdditionsSubordinatedLiabilities>
    <san:AdditionsSubordinatedLiabilities contextRef="c-2365" decimals="-6" id="f-5270" unitRef="eur">1862000000</san:AdditionsSubordinatedLiabilities>
    <san:AdditionsSubordinatedLiabilities contextRef="c-2366" decimals="-6" id="f-5271" unitRef="eur">5625000000</san:AdditionsSubordinatedLiabilities>
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    <san:SubordinatedIssueInitialInterestRateTerm contextRef="c-2433" id="f-5416">P10Y</san:SubordinatedIssueInitialInterestRateTerm>
    <ifrs-full:NotionalAmount contextRef="c-2434" decimals="-6" id="f-5417" unitRef="eur">1000000000</ifrs-full:NotionalAmount>
    <san:SubordinatedIssueInterestRate
      contextRef="c-2434"
      decimals="5"
      id="f-5418"
      unitRef="number">0.01625</san:SubordinatedIssueInterestRate>
    <ifrs-full:NotionalAmount contextRef="c-2435" decimals="-6" id="f-5419" unitRef="eur">1500000000</ifrs-full:NotionalAmount>
    <san:SubordinatedIssueInterestRate
      contextRef="c-2435"
      decimals="5"
      id="f-5420"
      unitRef="number">0.04375</san:SubordinatedIssueInterestRate>
    <san:SubordinatedIssueInitialInterestRateTerm contextRef="c-2436" id="f-5421">P6Y</san:SubordinatedIssueInitialInterestRateTerm>
    <san:SubordinatedIssueInterestRateRepriceTerm contextRef="c-2436" id="f-5422">P5Y</san:SubordinatedIssueInterestRateRepriceTerm>
    <san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod
      contextRef="c-2435"
      decimals="5"
      id="f-5423"
      unitRef="number">0.04534</san:SubordinatedIssueAdjustmentToInterestRateBasisSubsequentToInitialInterestRatePeriod>
    <san:SubordinatedIssueMidSwapRateTerm contextRef="c-2436" id="f-5424">P5Y</san:SubordinatedIssueMidSwapRateTerm>
    <san:SubordinatedIssueMidSwapRateTerm contextRef="c-2436" id="f-5425">P5Y</san:SubordinatedIssueMidSwapRateTerm>
    <san:SubordinatedIssueInitialInterestRateTerm contextRef="c-2437" id="f-5426">P10Y</san:SubordinatedIssueInitialInterestRateTerm>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2438" decimals="-6" id="f-5427" unitRef="eur">1250000000</ifrs-full:SubordinatedLiabilities>
    <san:SubordinatedIssueInterestRate
      contextRef="c-2438"
      decimals="5"
      id="f-5428"
      unitRef="number">0.02125</san:SubordinatedIssueInterestRate>
    <san:SubordinatedIssueInitialInterestRateTerm contextRef="c-2439" id="f-5429">P10Y</san:SubordinatedIssueInitialInterestRateTerm>
    <san:SubordinatedIssueFirstCallDate contextRef="c-2439" id="f-5430">P5Y</san:SubordinatedIssueFirstCallDate>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2440" decimals="-7" id="f-5431" unitRef="brl">2400000000</ifrs-full:SubordinatedLiabilities>
    <san:SubordinatedIssueInterestRate
      contextRef="c-2440"
      decimals="4"
      id="f-5432"
      unitRef="number">0.0065</san:SubordinatedIssueInterestRate>
    <ifrs-full:NotionalAmount contextRef="c-2441" decimals="-6" id="f-5433" unitRef="usd">7600000000</ifrs-full:NotionalAmount>
    <san:SubordinatedIssueInterestRate
      contextRef="c-2441"
      decimals="2"
      id="f-5434"
      unitRef="number">1.40</san:SubordinatedIssueInterestRate>
    <san:SubordinatedIssueInterestRateUST
      contextRef="c-2441"
      decimals="4"
      id="f-5435"
      unitRef="number">0.0222</san:SubordinatedIssueInterestRateUST>
    <san:SubordinatedIssueInitialInterestRateTerm contextRef="c-2442" id="f-5436">P10Y</san:SubordinatedIssueInitialInterestRateTerm>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2443" decimals="-6" id="f-5437" unitRef="brl">6000000000</ifrs-full:SubordinatedLiabilities>
    <san:SubordinatedIssueInterestRate
      contextRef="c-2443"
      decimals="3"
      id="f-5438"
      unitRef="number">0.016</san:SubordinatedIssueInterestRate>
    <san:SubordinatedIssueInitialInterestRateTerm contextRef="c-2444" id="f-5439">P10Y</san:SubordinatedIssueInitialInterestRateTerm>
    <ifrs-full:SubordinatedLiabilities contextRef="c-2445" decimals="-6" id="f-5440" unitRef="brl">5500000000</ifrs-full:SubordinatedLiabilities>
    <san:SubordinatedIssueInterestRate
      contextRef="c-2445"
      decimals="2"
      id="f-5441"
      unitRef="number">0.02</san:SubordinatedIssueInterestRate>
    <ifrs-full:NotionalAmount contextRef="c-2446" decimals="-6" id="f-5442" unitRef="eur">100000000</ifrs-full:NotionalAmount>
    <ifrs-full:InterestPayable contextRef="c-2447" decimals="-6" id="f-5443" unitRef="eur">1486000000</ifrs-full:InterestPayable>
    <ifrs-full:InterestPayable contextRef="c-2448" decimals="-6" id="f-5444" unitRef="eur">1357000000</ifrs-full:InterestPayable>
    <ifrs-full:InterestPayable contextRef="c-2449" decimals="-6" id="f-5445" unitRef="eur">1010000000</ifrs-full:InterestPayable>
    <san:SubordinatedIssueIncreaseAccruedInterest contextRef="c-2450" decimals="-6" id="f-5446" unitRef="eur">622000000</san:SubordinatedIssueIncreaseAccruedInterest>
    <san:SubordinatedIssueIncreaseAccruedInterest contextRef="c-2451" decimals="-6" id="f-5447" unitRef="eur">620000000</san:SubordinatedIssueIncreaseAccruedInterest>
    <san:SubordinatedIssueIncreaseAccruedInterest contextRef="c-2452" decimals="-6" id="f-5448" unitRef="eur">492000000</san:SubordinatedIssueIncreaseAccruedInterest>
    <san:DisclosureOfOtherFinancialLiabilitiesTextBlock contextRef="c-1" id="f-5452">Other financial liabilities&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Other financial liabilities in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.850%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.482%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Trade payables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Clearing houses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;794&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;776&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,269&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax collection accounts:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Public Institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,156&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,986&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Factoring accounts payable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;274&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Unsettled financial transactions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,860&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,421&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Lease liabilities (note 2.k)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,202&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,645&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,683&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,065&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;36,118&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;39,916&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;40,187&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Note&#160;51 contains a detail of the residual maturity periods of other financial liabilities at each year-end.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"&gt;Lease liabilities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The cash outflow of leases in 2025 was EUR 510 million (EUR 684 million and EUR 738 in 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The analysis of the maturities of lease liabilities at 31 December 2025, 2024 and 2023 is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Maturity Analysis - Discounted payments&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Within 1 year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;466&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;586&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Between 1 and 3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;619&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;868&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;918&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Between 3 and 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;480&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Later than 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;422&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;403&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;416&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total discounted payments at the end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,822&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,202&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,400&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;During 2025, 2024 and 2023 there were no significant variable lease payments not included in the valuation of lease liabilities.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfOtherFinancialLiabilitiesTextBlock>
    <san:DisclosureOfOtherFinancialLiabilitiesTableTextBlock contextRef="c-1" id="f-5453">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Other financial liabilities in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.850%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.482%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Trade payables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Clearing houses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;794&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;776&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,269&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax collection accounts:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Public Institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,156&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,986&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Factoring accounts payable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;274&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Unsettled financial transactions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,860&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,421&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Lease liabilities (note 2.k)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,202&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,645&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,683&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,065&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;36,118&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;39,916&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;40,187&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfOtherFinancialLiabilitiesTableTextBlock>
    <ifrs-full:TradeAndOtherPayablesToTradeSuppliers contextRef="c-2" decimals="-6" id="f-5454" unitRef="eur">1452000000</ifrs-full:TradeAndOtherPayablesToTradeSuppliers>
    <ifrs-full:TradeAndOtherPayablesToTradeSuppliers contextRef="c-3" decimals="-6" id="f-5455" unitRef="eur">1452000000</ifrs-full:TradeAndOtherPayablesToTradeSuppliers>
    <ifrs-full:TradeAndOtherPayablesToTradeSuppliers contextRef="c-4" decimals="-6" id="f-5456" unitRef="eur">1783000000</ifrs-full:TradeAndOtherPayablesToTradeSuppliers>
    <ifrs-full:ItemsInCourseOfTransmissionToOtherBanks contextRef="c-2" decimals="-6" id="f-5457" unitRef="eur">794000000</ifrs-full:ItemsInCourseOfTransmissionToOtherBanks>
    <ifrs-full:ItemsInCourseOfTransmissionToOtherBanks contextRef="c-3" decimals="-6" id="f-5458" unitRef="eur">776000000</ifrs-full:ItemsInCourseOfTransmissionToOtherBanks>
    <ifrs-full:ItemsInCourseOfTransmissionToOtherBanks contextRef="c-4" decimals="-6" id="f-5459" unitRef="eur">1269000000</ifrs-full:ItemsInCourseOfTransmissionToOtherBanks>
    <ifrs-full:PayablesOnSocialSecurityAndTaxesOtherThanIncomeTax contextRef="c-2" decimals="-6" id="f-5460" unitRef="eur">6271000000</ifrs-full:PayablesOnSocialSecurityAndTaxesOtherThanIncomeTax>
    <ifrs-full:PayablesOnSocialSecurityAndTaxesOtherThanIncomeTax contextRef="c-3" decimals="-6" id="f-5461" unitRef="eur">6156000000</ifrs-full:PayablesOnSocialSecurityAndTaxesOtherThanIncomeTax>
    <ifrs-full:PayablesOnSocialSecurityAndTaxesOtherThanIncomeTax contextRef="c-4" decimals="-6" id="f-5462" unitRef="eur">4986000000</ifrs-full:PayablesOnSocialSecurityAndTaxesOtherThanIncomeTax>
    <san:FactoringAccountsPayable contextRef="c-2" decimals="-6" id="f-5463" unitRef="eur">274000000</san:FactoringAccountsPayable>
    <san:FactoringAccountsPayable contextRef="c-3" decimals="-6" id="f-5464" unitRef="eur">226000000</san:FactoringAccountsPayable>
    <san:FactoringAccountsPayable contextRef="c-4" decimals="-6" id="f-5465" unitRef="eur">272000000</san:FactoringAccountsPayable>
    <san:UnsettledFinancialTransactionsLiability contextRef="c-2" decimals="-6" id="f-5466" unitRef="eur">3860000000</san:UnsettledFinancialTransactionsLiability>
    <san:UnsettledFinancialTransactionsLiability contextRef="c-3" decimals="-6" id="f-5467" unitRef="eur">7421000000</san:UnsettledFinancialTransactionsLiability>
    <san:UnsettledFinancialTransactionsLiability contextRef="c-4" decimals="-6" id="f-5468" unitRef="eur">6412000000</san:UnsettledFinancialTransactionsLiability>
    <ifrs-full:LeaseLiabilities contextRef="c-2" decimals="-6" id="f-5469" unitRef="eur">1822000000</ifrs-full:LeaseLiabilities>
    <ifrs-full:LeaseLiabilities contextRef="c-3" decimals="-6" id="f-5470" unitRef="eur">2202000000</ifrs-full:LeaseLiabilities>
    <ifrs-full:LeaseLiabilities contextRef="c-4" decimals="-6" id="f-5471" unitRef="eur">2400000000</ifrs-full:LeaseLiabilities>
    <san:OtherFinancialLiabilitiesUnspecified contextRef="c-2" decimals="-6" id="f-5472" unitRef="eur">21645000000</san:OtherFinancialLiabilitiesUnspecified>
    <san:OtherFinancialLiabilitiesUnspecified contextRef="c-3" decimals="-6" id="f-5473" unitRef="eur">21683000000</san:OtherFinancialLiabilitiesUnspecified>
    <san:OtherFinancialLiabilitiesUnspecified contextRef="c-4" decimals="-6" id="f-5474" unitRef="eur">23065000000</san:OtherFinancialLiabilitiesUnspecified>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-2" decimals="-6" id="f-5475" unitRef="eur">36118000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-3" decimals="-6" id="f-5476" unitRef="eur">39916000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities contextRef="c-4" decimals="-6" id="f-5477" unitRef="eur">40187000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:CashOutflowForLeases contextRef="c-1" decimals="-6" id="f-5478" unitRef="eur">510000000</ifrs-full:CashOutflowForLeases>
    <ifrs-full:CashOutflowForLeases contextRef="c-86" decimals="-6" id="f-5479" unitRef="eur">684000000</ifrs-full:CashOutflowForLeases>
    <ifrs-full:CashOutflowForLeases contextRef="c-87" decimals="-6" id="f-5480" unitRef="eur">738000000</ifrs-full:CashOutflowForLeases>
    <ifrs-full:LeaseLiabilities contextRef="c-2454" decimals="-6" id="f-5481" unitRef="eur">466000000</ifrs-full:LeaseLiabilities>
    <ifrs-full:LeaseLiabilities contextRef="c-2455" decimals="-6" id="f-5482" unitRef="eur">526000000</ifrs-full:LeaseLiabilities>
    <ifrs-full:LeaseLiabilities contextRef="c-2456" decimals="-6" id="f-5483" unitRef="eur">586000000</ifrs-full:LeaseLiabilities>
    <ifrs-full:LeaseLiabilities contextRef="c-2457" decimals="-6" id="f-5484" unitRef="eur">619000000</ifrs-full:LeaseLiabilities>
    <ifrs-full:LeaseLiabilities contextRef="c-2458" decimals="-6" id="f-5485" unitRef="eur">868000000</ifrs-full:LeaseLiabilities>
    <ifrs-full:LeaseLiabilities contextRef="c-2459" decimals="-6" id="f-5486" unitRef="eur">918000000</ifrs-full:LeaseLiabilities>
    <ifrs-full:LeaseLiabilities contextRef="c-2460" decimals="-6" id="f-5487" unitRef="eur">315000000</ifrs-full:LeaseLiabilities>
    <ifrs-full:LeaseLiabilities contextRef="c-2461" decimals="-6" id="f-5488" unitRef="eur">405000000</ifrs-full:LeaseLiabilities>
    <ifrs-full:LeaseLiabilities contextRef="c-2462" decimals="-6" id="f-5489" unitRef="eur">480000000</ifrs-full:LeaseLiabilities>
    <ifrs-full:LeaseLiabilities contextRef="c-2463" decimals="-6" id="f-5490" unitRef="eur">422000000</ifrs-full:LeaseLiabilities>
    <ifrs-full:LeaseLiabilities contextRef="c-2464" decimals="-6" id="f-5491" unitRef="eur">403000000</ifrs-full:LeaseLiabilities>
    <ifrs-full:LeaseLiabilities contextRef="c-2465" decimals="-6" id="f-5492" unitRef="eur">416000000</ifrs-full:LeaseLiabilities>
    <ifrs-full:LeaseLiabilities contextRef="c-2" decimals="-6" id="f-5493" unitRef="eur">1822000000</ifrs-full:LeaseLiabilities>
    <ifrs-full:LeaseLiabilities contextRef="c-3" decimals="-6" id="f-5494" unitRef="eur">2202000000</ifrs-full:LeaseLiabilities>
    <ifrs-full:LeaseLiabilities contextRef="c-4" decimals="-6" id="f-5495" unitRef="eur">2400000000</ifrs-full:LeaseLiabilities>
    <ifrs-full:DisclosureOfProvisionsExplanatory contextRef="c-1" id="f-5496">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.741%"&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span id="i7fd30b62b1094ab48052c593a6deff5f"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:13pt;font-weight:400;line-height:110%"&gt;25. Provisions&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i80282586c84e434dab03a586940b4da1"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Breakdown&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:2.517%;min-width:1.517%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.742%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Provisions in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:47.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.876%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provision for pensions and other obligations post-employments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,656&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,731&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,225&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other long term employee benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;993&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;915&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;880&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions for taxes and other legal contingencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,989&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,717&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,715&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Contingent liabilities and commitments (note 2.o)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;702&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,004&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,334&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,919&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,355&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,407&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,441&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:6pt;padding-right:263.62pt"&gt;&lt;span id="i9aa81f137b604657b7fb798fe14e0ce5"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Changes&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in 'Provisions' in the last three years were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:42.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.532%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Post employment plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Long term employee benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Contingent liabilities and commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balances at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,731&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;915&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;710&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,051&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,407&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Incorporation of Group companies, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Additions charged to income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;437&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,872&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,434&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest expense (note 39)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;91&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Staff costs (note 46)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions or reversion of provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,872&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,302&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Addition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;424&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;591&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,036&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Release&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(541)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,164)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,755)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other additions arising from insurance contracts linked to pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in value recognised in equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Payments to pensioners and pre-retirees with a charge to internal provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(107)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(358)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(465)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid due to settlements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Insurance premiums paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Payments to external funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(329)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(329)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Amounts used&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,914)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,914)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfer, exchange differences and other changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(47)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balances at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,656&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;993&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;713&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,993&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,355&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.392%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.239%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Post employment plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Long term employee benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Contingent liabilities and commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Other provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Post employment plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Long term employee benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Contingent liabilities and commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Other provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Balances at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,225&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;880&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;702&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;4,634&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;8,441&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,392&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;950&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;734&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;4,073&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;8,149&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Incorporation of Group companies, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Additions charged to income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;94&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;368&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,703&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,212&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;244&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,895&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,193&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest expense (note 39)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;93&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Staff costs (note 46)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Provisions or reversion of provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,703&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,062&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;201&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,895&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;Addition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;430&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,026&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,796&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;204&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;378&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,992&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;Release&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;(383)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,323)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,734)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;(416)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,512)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,934)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other additions arising from insurance contracts linked to pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Changes in value recognised in equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;643&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;643&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;944&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;944&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Payments to pensioners and pre-retirees with a charge to internal provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(153)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(331)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(484)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(182)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(316)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(498)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Insurance premiums paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Payments to external funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(708)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(708)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(750)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(750)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Amounts used&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2,178)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2,178)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1,825)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1,826)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Transfer, exchange differences and other changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(368)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(39)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(108)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(517)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(267)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;491&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Balances at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,731&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;915&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;710&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;5,051&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;8,407&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,225&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;880&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;702&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;4,634&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;8,441&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span id="i546aa42ff1a044e5a34ed35e1344219f_14542"&gt;&lt;/span&gt;&lt;span id="i11c08a01286c41e4a2247bd8f675d42d"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;c) Provision for pensions and other obligations post &#x2013;employments and Other long term employee benefits &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Provisions for pensions and similar obligations is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:54.764%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.408%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions for post-employment plans - Spanish entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;602&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;674&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;770&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions for other similar obligations - Spanish entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;927&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;852&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;817&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which pre-retirements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;839&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;805&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions for post-employment plans - United Kingdom&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions for post-employment plans - Other subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,379&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions for other similar obligations - Other subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;63&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;63&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Provision for pensions and other obligations post -employments and Other long term employee benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,649&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,646&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,105&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which defined benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,637&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,638&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,097&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="ie5766de2c8fa42fca22f4bfbcd5a069f"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Spanish entities&#160;- Post-employment plans and other similar obligations&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, 2024 and 2023, the Spanish entities had post-employment benefit obligations under defined contribution and defined benefit plans. In addition, in various&#160;years some of the consolidated entities offered certain of their employees the possibility of taking pre-retirement and, therefore, provisions are recognised each&#160;year for the obligations to employees taking pre-retirement&#160;-in terms of salaries and other employee benefit costs- from the date of their pre-retirement to the agreed end date.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In 2023, the provisions made to cover the commitments with 502 employees covered by early retirement and incentivized dismissals plan amounted to EUR 160&#160;million. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In 2024, the provisions made to cover the commitments with 826 employees covered by early retirements and incentivized dismissals amounted to EUR 303&#160;million.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In 2025, the provisions made to cover the commitments with 1,238 employees covered by early retirements and incentivized dismissals amounted to EUR 389 million.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The expenses incurred by the Spanish companies in 2025, 2024 and 2023 in respect of contributions to defined contribution plans amounted to EUR 130 million, EUR 126 million and EUR 116 million, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The amount of the defined benefit obligations was determined on the basis of the work performed by independent actuaries using the following actuarial techniques:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;1.&#160;&#160;&#160;&#160;Valuation method: projected unit credit method, which sees each period of service as giving rise to an additional unit of benefit entitlement and measures each unit separately.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;2.&#160;&#160;&#160;&#160;Actuarial assumptions used: unbiased and mutually compatible. Specifically, the most significant actuarial assumptions used in the calculations were as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:18pt;text-indent:-18pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Post-employment&#160;plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 6.62pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&#160;similar&#160;obligations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 12.25pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Annual discount rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.75&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.35&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.75&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.35&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mortality tables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;PER2020 M/F Col. Orden 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;PER2020 M/F Col. Orden 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;PER2020 M/F Col. Orden 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;PER2020 M/F Col. Orden 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;PER2020 M/F Col. Orden 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;PER2020 M/F Col. Orden 1&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cumulative annual CPI growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.00&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.00&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Annual salary increase rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.25%&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.25%&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.25%&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Annual social security pension increase rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.12&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.12&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.12&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Annual benefit increase rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Corresponds to the group&#x2019;s defined-benefit obligations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The discount rate used for the flows was determined by reference to high-quality corporate bonds (at least AA in euros) matching the durations of the commitments. From the bond portfolio considered, callable, putable and sinkable bonds, which could distort the rates, are excluded. &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;margin-top:15pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Any changes in the main assumptions could affect the calculation of the obligations. At 31 December 2025, if the discount rate used had been decreased or increased by 50 basis points (bp), there would have been an increase or decrease in the present value of the post-employment obligations of 4.02% (-50 bp) to -3.75% (+50 bp),respectively, and an increase or decrease in the present value of the long-term obligations of 1.15% (-50 bp) to -1.15% (+50 bp), respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:15pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;These changes would be offset in part by increases or decreases in the fair value of the assets and insurance contracts linked to pensions.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:8.5pt;text-indent:-8.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;3. The estimated retirement age of each employee is the first at which the employee is entitled to retire or the agreed-upon age, as appropriate.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The fair value of insurance contracts was determined as the present value of the related payment obligations, taking into account the following assumptions:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.985%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.757%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Post-employment&#160;plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&#160;similar&#160;obligations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Expected rate of return on plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.75&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.35&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.75&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.35&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Expected rate of return on reimbursement rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.75&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.35&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The funding status of the defined benefit obligations in 2025 and the two preceding&#160;years is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.985%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.756%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Post-employment&#160;plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&#160;similar&#160;obligations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Present value of the obligations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To current employees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Vested obligations to retired employees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,610&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,850&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,936&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To pre-retirees employees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;919&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;812&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Long-service bonuses and other benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,644&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,899&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,987&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;930&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;857&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;824&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Less - Fair value of plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,234&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Provisions - Provisions for pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;586&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;665&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;752&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;927&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;852&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;817&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Internal provisions for pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;535&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;927&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;817&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Net pension assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Insurance contracts linked to pensions (note 14)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;67&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;81&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;93&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Unrecognised net assets for pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The amounts recognised in the consolidated income statements in relation to the aforementioned defined benefit obligations are as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.460%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.775%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.775%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.775%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.988%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.775%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.775%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.777%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Post-employment&#160;plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&#160;similar&#160;obligations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest cost (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Expected return on insurance contracts linked to pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions or reversion of provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Actuarial (gains)/losses recognised in the&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Past service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Pre-retirement cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;303&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;41&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;398&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;325&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;210&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Including reduction/settlement effect&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, in 2025 'Other comprehensive income&#160;&#x2013; Items not reclassified to profit or loss&#160;&#x2013; Actuarial gains or (-) losses on defined benefit pension plans' has decreased by EUR 33 million with respect to defined benefit obligations (&lt;/span&gt;&lt;span style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:130%"&gt;increase&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; of EUR 21 and increase &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"&gt;of &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;EUR 10 million in 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in the present value of the accrued defined benefit obligations were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.832%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Post-employment&#160;plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&#160;similar&#160;obligations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value of the obligations at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,899&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,987&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,076&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;857&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;824&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;903&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Incorporation of Group companies, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;67&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;82&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pre-retirement cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;303&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Effect of curtailment/settlement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(179)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(203)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(210)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(325)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(292)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(290)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid due to settlements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Past service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial (gains)/losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(102)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Demographic actuarial (gains)/losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Financial actuarial (gains)/losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(88)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Present value of the obligations at end of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,644&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,899&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,987&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;930&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;857&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;824&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in the fair value of plan assets and of insurance contracts linked to pensions were as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.720%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Plan Assets&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Post-employment&#160;plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other similar obligations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fair value of plan assets at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,234&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Incorporation of Group companies, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Expected return on plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains/(losses) on settlements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(144)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(124)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Contributions/(surrenders)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;409&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial gains/(losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value of plan assets at end of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,058&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,234&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,235&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.720%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Insurance Contracts linked to pensions&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="2" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Post-employment&#160;plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other similar obligations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fair value of insurance contracts linked to pensions at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;81&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;93&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;104&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Incorporation of Group companies, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Expected return on insurance contracts linked to pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Paid premiums&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial gains/(losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value of insurance contracts linked to pensions at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;67&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;81&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;93&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In view of the conversion of the defined-benefit obligations to defined-contribution obligations, the Group will not make material current contributions in Spain in 2026 to fund its defined-benefit pension obligations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The plan assets and the insurance contracts linked to pensions are instrumented mainly through insurance policies.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table shows the estimated benefits payable at 31 December 2025 for the next ten&#160;years:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:86.554%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.246%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;461&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;391&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;331&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;274&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2030&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;223&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2031 to 2035&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;672&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i83f6c003c8014f2f9cba17ed12c0dc9a"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. United Kingdom&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At the end of each of the last three&#160;years, the businesses in the United Kingdom had post-employment benefit obligations under defined contribution and defined benefit plans. The expenses incurred in respect of contributions to defined contribution plans amounted to EUR 92 million in 2025 (EUR 98 million in 2024 and EUR 87 million in 2023).&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The amount of the defined benefit obligations was determined on the basis of the work performed by independent actuaries using the following actuarial techniques:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;1.&#160;&#160;&#160;&#160;Valuation method: projected unit credit method, which sees each period of service as giving rise to an additional unit of benefit entitlement and measures each unit separately.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;2.&#160;&#160;&#160;&#160;Actuarial assumptions used: unbiased and mutually compatible. Specifically, the most significant actuarial assumptions used in the calculations were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.776%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.813%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.815%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Annual discount rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.58%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.54%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.63%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mortality tables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;''S4 Light' tables weighted 105% males/101% females and CMI_2024 projection [LTR=1.25%, A=0.25%, H=1] with both Age-Period and Cohort convergence periods equal to core values except increased to 20 years for ages 80 to 100 and then tapering down to nil by age 120&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;The S3 Middle tables weighted at 84% of the CMI_2023 projection with an initial addition of 0.25%, smoothing parameter 7 and improving 1.25%.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;The S3 Middle tables weighted at 84% of the CMI_2022 projection with an initial addition of 0.25%, smoothing parameter 7 and improving 1.25%.&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cumulative annual CPI growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.9%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.11%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.02%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Annual salary increase rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.00%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.00%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.00%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Annual pension increase rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.78%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.04%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.96%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The discount rate used for the flows was determined by reference to high-quality corporate bonds (at least AA in pounds sterling) that coincide with the terms of the obligations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Any changes in the main assumptions could affect the calculation of the obligations. At 31 December 2025, if the discount rate used had been decreased or increased by 50 basis points, there would have been an increase or decrease in the present value of the obligations of 5.82% (-50 bp) and -5.28% (+50 bp), respectively. If the inflation assumption had been increased or decreased by 50 basis points, there would have been an increase or decrease in the present value of the obligations of 4.23% (+50 bp) and -4.14% (-50 bp), respectively. These changes would be offset in part by increases or decreases in the fair value of the assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The funding status of the defined benefit obligations in 2025 and the two preceding&#160;years is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value of the obligations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,451&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Less-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fair value of plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,740&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Provisions&#160;- Provisions for pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(576)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(502)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(757)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Internal provisions for pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Net assets for pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(601)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(530)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(833)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The amounts recognised in the consolidated income statements in relation to the aforementioned defined benefit obligations are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest cost (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(62)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions or reversal of provisions, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cost of services provided&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(27)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(48)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, in 2025 'Other comprehensive income&#160;&#x2013; Items not reclassified to profit or loss&#160;&#x2013; Actuarial gains or (-) losses on defined benefit pension plans has increased by EUR 117 million with respect to defined benefit obligations ( increase of EUR 475 and of EUR 687 million in 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:1pt;margin-top:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in the present value of the accrued defined benefit obligations were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value of the obligations at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,451&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net incorporation of companies into the Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;438&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;436&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(469)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(465)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(428)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid by settlements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Contributions made by employees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Past service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial (gains)/losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(304)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(965)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Demographic actuarial (gains)/losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(91)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(133)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(59)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Financial actuarial (gains)/losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(213)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(832)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;340&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(438)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;419&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Present value of the obligations at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,164&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,898&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,451&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in the fair value of the plan assets were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.554%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.554%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.247%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fair value of plan assets at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net incorporation of companies into the Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Expected return on plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;496&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;498&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(469)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(465)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(434)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;203&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;225&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial gains/(losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(421)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,440)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(406)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(469)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;437&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;214&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value of plan assets at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,740&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,400&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,208&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In 2026 the Group expects to make current contributions to fund these obligations for amounts similar to those made in 2025.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The main categories of plan assets as a&#160;percentage of total plan assets are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.628%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.247%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;67&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Properties&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table shows the estimated benefits payable at 31 December 2025 for the next ten&#160;years:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:86.554%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.246%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;503&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;527&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2030&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;545&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2031 to 2035&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ieeb2f13312bf454e82ba1e3634f2d155"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iii. Other foreign subsidiaries&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Certain of the consolidated foreign entities have acquired commitments to their employees similar to post-employment benefits.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, 2024 and 2023, these entities had defined-contribution and defined-benefit post-employment benefit obligations. The expenses incurred in respect of contributions to defined contribution plans amounted to EUR 110 million in 2025 (EUR 133 million at 31 December 2024  and EUR 107 million at 31 December 2023).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The actuarial assumptions used by these entities (discount rates, mortality tables and cumulative annual CPI growth) are consistent with the economic and social conditions prevailing in the countries in which they are located.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Specifically, the discount rate used for the flows was determined by reference to high-quality corporate bonds, except in the case of Brazil where there is no extensive corporate bond market and, accordingly the discount rate was determined by reference to the series B bonds issued by the Brazilian National Treasury Secretariat for a term coinciding with that of the obligations. In Brazil the discount rate used was between 10.52% and 10.65%, the CPI 3.00% and the mortality table the AT-2000, AT-2000 Basic y AT-2000 S10.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Any changes in the main assumptions could affect the calculation of the obligations. At 31 December 2025, if the discount rate used had been decreased or increased by 50 basis points, there would have been an increase or decrease in the present value of the obligations of 3.92% (-50 bp) and -3.53% (+50 bp), respectively. These changes would be offset in part by increases or decreases in the fair value of the assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The funding status of the obligations similar to post-employment benefits and other long-term benefits in 2025 and the two preceding&#160;years is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:56.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.976%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which business in Brazil&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value of the obligations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,886&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,569&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,903&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Less-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which: with a charge to the participants&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;157&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fair value of plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,730&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,787&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Provisions - Provisions for pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;450&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;(313)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;244&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;584&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Internal provisions for pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,083&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,084&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,434&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Net assets for pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(170)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(60)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(141)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(154)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Unrecognised net assets for pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(463)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(463)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(699)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(696)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The amounts recognised in the consolidated income statements in relation to these obligations are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest cost (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions or reversion of provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(Actuarial gains)/losses recognised in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Past service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pre-retirement cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;120&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;140&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;129&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, in 2025 'Other comprehensive income&#160;&#x2013; Items not reclassified to profit or loss&#160;&#x2013; Actuarial gains or (-) losses on defined benefit pension plans' has increased by EUR 136 million with respect to defined benefit obligations (increase of EUR 147 million and EUR 247 million in 2024 and 2023, respectively). &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in the present value of the accrued obligations were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:58.776%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.173%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value of the obligations at beginning of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,903&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Incorporation of Group companies, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;552&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;599&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pre-retirement cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Effect of curtailment/settlement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(726)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,113)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(730)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid due to settlements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(133)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Contributions made by employees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Past service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial (gains)/losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;270&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(191)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;697&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Demographic actuarial (gains)/losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Financial actuarial (gains)/losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(30)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(190)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(860)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;336&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Present value of the obligations&lt;br/&gt;at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,886&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,903&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,485&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in the fair value of the plan assets were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ebebeb;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ebebeb;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ebebeb;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fair value of plan assets at beginning of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,787&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,321&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Incorporation of Group companies, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Expected return on plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;551&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;588&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(752)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,022)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(644)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;134&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;477&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial gains/(losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(201)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(304)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Settlements gains/(losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(987)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value of plan assets at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ebebeb;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,284&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ebebeb;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,502&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,787&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In 2026 the Group expects to make contributions to fund these obligations for amounts similar to those made in 2025.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The main categories of plan assets as a&#160;percentage of total plan assets are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.025%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;79&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;79%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;83%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Properties&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table shows the estimated benefits payable at 31 December 2025 for the next ten&#160;years:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:12pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:86.554%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.246%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;746&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;736&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;740&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;744&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2030&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;747&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2031 to 2035&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,790&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:6pt"&gt;&lt;span id="i546aa42ff1a044e5a34ed35e1344219f_14561"&gt;&lt;/span&gt;&lt;span id="i75049b1c22ed4f989cd2d88c82df2dc8"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;d) Provisions for taxes and other legal contingencies and Other provisions&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;'Provisions&#160;- Provisions for taxes and other legal contingencies' and 'Provisions&#160;- Other provisions', which include, inter alia, provisions for restructuring costs and tax-related and non-tax-related proceedings, were estimated using prudent calculation procedures in keeping with the uncertainty inherent to the obligations covered. The definitive date of the outflow of resources embodying economic benefits for the Group depends on each obligation. In certain cases, these obligations have no fixed settlement period and, in other cases, depend on the legal proceedings in progress.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by geographical area, of Provisions for taxes and other legal contingencies and Other provisions is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Recognised by Spanish companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,924&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,921&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Recognised by other EU companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;694&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;433&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Recognised by other companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,650&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,433&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,280&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,530&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,445&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;United Kingdom &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;736&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;654&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;373&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt 0 12.25pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,993&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,051&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,634&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Of which GBP 461&#160;million (EUR 528.1&#160;million) correspond to the Financial Conduct Authority (FCA) review of the Vehicle Finance Market as detailed in note 25.e.ii.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Set forth below is the detail, by type of provision, of the balance at 31 December 2025, 2024 and 2023 of Provisions for taxes and other legal contingencies and Other provisions. &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The types of provision were determined by grouping together items of a similar nature:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions for taxes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;720&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;727&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;745&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions for employment-related proceedings (Brazil)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;458&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;611&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions for other legal proceedings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,675&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,532&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provision for customer remediation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;826&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;454&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provision for restructuring&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;279&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;589&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;596&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;899&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;744&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;869&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,993&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,051&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,634&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Relevant information is set forth below in relation to each type of provision shown in the preceding table.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The provisions for taxes include provisions for tax-related proceedings.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The provisions for employment-related proceedings (Brazil) relate to claims filed by trade unions, associations, the prosecutor&#x2019;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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, the CHF mortgage portfolio of Poland, as well as the estimated amount related to the floor clauses of Banco Popular Espa&#xf1;ol, S.A.U in Spain. 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The provisions for restructuring include only the costs arising from restructuring processes carried out by the various Group companies.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Qualitative information on the main litigation is provided in Note&#160;25 e to the consolidated financial statements.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Regarding their variations in fiscal year 2025, in provisions for labour processes and others of a legal nature, EUR 524 million and EUR 185 million were recorded in Brazil in 2025, making payments of EUR 384 million and EUR 159 million, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i10c8cccb4c114c1786b9160787d772b1"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;e) Litigation and other matters &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;span id="ieec7504224924a38a80531f3e18015e7"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Tax-related litigation&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025 the main tax-related proceedings concerning the Group were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;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 Integra&#xe7;ao Social (PIS) and Contribui&#xe7;&#xe3;o 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 2 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;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 Jur&#xed;dicas - IRPJ - and Contribu&#xe7;ao 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 involves 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;In May 2003 the Brazilian tax authorities issued separate infringement notices against Santander Distribuidora de T&#xed;tulos e Valores Mobiliarios, Ltda. (DTVM, actually Santander Brasil Tecnolog&#xed;a S.A.) and Banco Santander (Brasil) S.A. in relation to the Provisional Tax on Financial Movements (Contribui&#xe7;&#xe3;o Provis&#xf3;ria sobre Movimenta&#xe7;&#xe3;o 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 Transa&#xe7;ao 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;In December 2010 the Brazilian tax authorities issued an infringement notice against Santander Seguros S.A. (Brasil), (currently Zurich Santander Brasil Seguros e Previd&#xea;ncia S.A.), as the successor by merger to ABN AMRO Brasil dois Participa&#xe7;&#xf5;es 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 Previd&#xea;ncia 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;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, where it awaits judgment. No provision was recognized as it is considered to be a contingent liability.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Brazilian tax authorities have issued infringement notices against Getnet Adquir&#xea;ncia e Servi&#xe7;os 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The total amount for the aforementioned Brazil lawsuits that are fully provisioned is EUR 553 million, and for lawsuits that qualify as contingent liabilities is EUR 5,040&#160;million.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At the date of approval of these consolidated annual accounts, there are other less significant tax disputes.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="i013766adb6b44e0594d5e94ee840ecd2"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Non-tax-related proceedings&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025 the main non-tax-related proceedings concerning the Group were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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&#x2019;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&#160;million plus interest of GBP 162&#160;million. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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).&#160; In January 2026, AXA France obtained permission to cross-appeal the Commercial Court&#x2019;s rejection of AXA France&#x2019;s contribution claim made under the Civil Liability (Contribution) Act 1978 (the AXA France&#x2019;s cross appeal). A decision on the Santander Appeal and AXA France&#x2019;s cross appeal is expected in the second half of 2026.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;With respect to the Santander Appeal and AXA France&#x2019;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt;text-decoration:underline"&gt;Motor Finance Broker Commissions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;: following the Financial Conduct Authority&#x2019;s (FCA) Motor Market review in 2019 which resulted in a change in rules in January 2021, Santander Consumer (UK) plc (SCUK) has 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 currently in place until 31 May 2026, reflecting the extended timeline of the FCA's Review and subsequent Consultation (see below).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;After the Court of Appeal's decision rendered on 25 October 2024 within the judicial proceedings followed against DCAs of other financial entities, as of 31 December 2024, the Santander UK group Holdings recognised a provision of GBP  293.0&#160;million (EUR 353.3&#160;million). This provision was determined based upon the information then available. It included estimates for operational and legal costs and potential awards based on various scenarios and used a range of assumptions, including the possible outcome of the appeal to the Supreme Court in 2025 of the Court of Appeal's decision. On 1 August 2025, the Supreme Court handed down its judgment stating that motor dealers acting as credit brokers do not owe fiduciary or disinterested duties to their customers and, as a consequence, 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).  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following the Supreme Court&#x2019;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 (the Consultation). Further to the publication of the FCA&#x2019;s Consultation on&#160;7 October 2025, the Santander UK group submitted its comments on 12 December 2025 and continues to engage constructively with the FCA. The FCA has stated that its intention is to publish the industry wide redress scheme no later than in March 2026.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In light of the proposed sectoral scheme and taking into account the objections raised and the uncertainty surrounding both the final decision to be adopted by the FCA and the outcome of any potential legal challenges, the Santander UK group has reviewed the potential impact on SCUK in relation to the vehicle finance market. The range of scenarios has been updated, which has resulted in an additional estimated charge of GBP 183&#160;million (EUR 213.6&#160;million). As of 31 December 2025, the total provision amounts to GBP 461&#160;million (EUR 528.1&#160;million). This continues to include estimates for operational and legal costs and potential awards reflecting an increased likelihood of a higher number of cases than had previously been predicted as eligible for redress as well as an increased possibility that a remedy is sought to be imposed which extends beyond reversing any damaging financial consequences caused by any unfair relationships. The provision is based on various scenarios using a range of assumptions, including potential changes to the proposed scheme following responses to the Consultation or publication of the FCA&#x2019;s final scheme rules.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;There continue to be significant uncertainties as to the nature, extent and timing of redress payments. Therefore, while the ultimate financial impact of this matter could materially differ from the amount of the provision as of this date, such impact is not expected to be material for the Group as of the date of these financial statements.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Delforca: dispute arising from equity swaps entered into by Gaesco (now Delforca 2008, S.A. (Delforca)) on shares of Inmobiliaria Colonial, S.A. Banco Santander, S.A. is claiming to Delforca before the Court of Barcelona in charge of the bankruptcy proceedings, a total of EUR 66&#160;million from the liquidation resulting from the early termination of financial transactions due to Delforca's non-payment of the equity swaps. In the same bankruptcy proceedings, Delforca and Mobiliaria Monesa, S.A., parent of Delforca (Monesa) have in turn claimed the Bank to repay EUR 57&#160;million, which the Bank received for the enforcement of the agreed guarantee, as a result of the aforementioned liquidation. On 16 September 2021 the Commercial Court Number 10 of Barcelona has ordered Delforca to pay the Bank EUR 66&#160;million plus EUR 11&#160;million in interest and has dismissed the claims filed by Delforca. This decision was appealed by Delforca, Monesa and the bankruptcy administrator. On 15 November 2023 the Provincial Court of Barcelona rendered a judgment dismissing the appeals filed by Delforca, Monesa and the bankruptcy administrator. Delforca and Monesa (not the bankruptcy administrator) filed an appeal in cassation, that was rejected in November 2025 by the First Chamber of Supreme Court and, as a result, the appeal and first instance judgments in favor of the Bank have been confirmed. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Separately, Monesa, filed in 2009 a civil procedure with the Courts of Santander against the Bank claiming damages that have not been specified to date. The procedure is suspended.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;'Planos Econ&#xf3;micos': like the rest of the banking system in Brazil, Santander Brazil has been the target of customer complaints and collective civil suits stemming mainly from legislative changes and its application to the retribution of bank deposits (economic plans). At the end of 2017, an agreement was reached between regulatory entities and the Brazilian Federation of Banks (Febraban) with the purpose of closing the lawsuits and was approved by the Supremo Tribunal Federal (the STF and the Collective Agreement). Discussions focused on specifying the amount to be paid to each affected client according to the balance in their notebook at the time of the application of the plan. Finally, the total value of the payments will depend on the number of adhesions there may be and the number of savers who have proved the existence of the account and its balance on the date the indexes were changed. In November 2018, the STF ordered the suspension of all economic plan proceedings for two years from May 2018. On 29 May 2020,  STF approved the extension of the Collective Agreement for 5 additional years starting from 3 June 2020. Condition for this extension was to include in the Collective Agreement actions related to the 'Collor I Plan'. On May 2025, the STF issued the judgment recognizing the constitutionality of the Bresser, Ver&#xe3;o, Collor I and II plans, guaranteeing savers the receipt of the amounts established in the Collective Agreement and setting a deadline of 24 months for new adhesions. As of 31 December 2025, the provision recorded for the economic plan proceedings amounts to EUR 155.3&#160;million.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Banco Popular&#xb4;s acquisition: after the declaration of the resolution of Banco Popular, some investors filed claims against the EU&#x2019;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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&#x2019;s decision, in application of the judgments of the EGC and the CJEU.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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 resolution (C-687/23), the CJEU declared that the above referred TJUE resolutions do not apply to actions pursued prior to the entity&#x2019;s resolution. There are currently no other preliminary questions under consideration. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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. This 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. &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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. 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. After that, the proceedings will be forwarded to the Criminal Chamber of the National Court for the oral trial. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Regarding civil liability, the Bank considers that it has no subsidiary civil liability in light of the CJEU&#x2019;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, the Spanish National Court has stated that this issue shall be resolved within the ongoing proceedings. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The estimated cost of any compensation to shareholders and bondholders of Banco Popular recognized in the 2017 accounts amounted to EUR 680&#160;million, of which EUR 535&#160;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;German shares investigation: the Cologne Public Prosecution Office is conducting an investigation against the Bank and other group entities based in the UK - Santander UK plc, Santander Financial Services Plc and Cater Allen International Limited -, in relation to a particular type of tax dividend linked transactions known as cum-ex transactions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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 anticipated. For this reason, the Bank has not recognized any provisions in relation to the potential imposition of financial liabilities.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Banco Santander, S.A. was sued in a legal proceeding in which the plaintiff alleges that the Bank 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&#160;million or, an alternative relief for other minor amounts. Banco Santander, S.A. 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&#160;million.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; On 9 December 2021, the Court upheld the claim and ordered the Bank to compensate the claimant in the amount of EUR 67.8&#160;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&#160;million and clarifying that part of this amount (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%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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&#160;million, within the voluntary compliance period.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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&#160;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&#160;million. This amount was received by the Bank on 11 July 2023. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 11 April 2023, the Bank filed an extraordinary appeal for procedural infringement and an appeal in cassation against the Madrid Court of Appeal&#x2019;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:10.91pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span id="i2f6bba6b43c7456faf1bf75d1b879f0f_39081"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;CHF Polish Mortgage Loans: 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.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In this context, Santander Bank Polska S.A. and Santander Consumer Bank S.A. estimate 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As of 31 December 2025, 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 5,874.3&#160;million (EUR 1,391.9&#160;million), of which PLN3,191.7 million (EUR 756.3&#160;million) corresponds to adjustments to the gross carrying amount under IFRS 9 and PLN 2,682.6&#160;million (EUR 635.6&#160;million) to provisions recognised under IAS 37. The adjustment to gross carrying amount in accordance with IFRS9 during 2025 amounted to PLN 99.7&#160;million (EUR 23.6&#160;million), and the additional provisions recognised under IAS 37 amounted to PLN 1245.3&#160;million (EUR 293.8&#160;million). Other costs related to the dispute amounted to PLN 730.5&#160;million (EUR 172.4&#160;million). IAS 37. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As of the same date, Santander Bank Polska S.A. held a portfolio of mortgages denominated in or indexed to CHF amounting to approximately PLN 2,642.0&#160;million (EUR 626.0&#160;million) and recognised provisions of PLN 4,766.4&#160;million (EUR 1,129.4&#160;million) to cover the CHF mortgage portfolio. Santander Consumer Bank S.A. (Poland), in turn, held a portfolio of mortgages denominated in or indexed to CHF amounting to approximately PLN 735.9&#160;million (EUR 174.4&#160;million) and recognised provisions of PLN 1,107.9&#160;million (EUR 262.5&#160;million) to cover this portfolio.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Notwithstanding the above, as detailed in Note 3 b), in January 2026 the Group sold a 49% stake in Santander Bank Polska S.A., which ceased to be consolidated within the Group&#x2019;s perimeter as of that date.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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 the reporting date.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;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 M&#xe9;xico 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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 (&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:130%"&gt;recurso de amparo&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;) before the First Collegiate Court of the Fourth Circuit based in Nuevo Le&#xf3;n, 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Since 2021, Santander Mexico has filed before the Supreme Court of Justice of the Nation a constitutional review challenge (&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:130%"&gt;recurso de revisi&#xf3;n constitucional&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;) against the referred decision which was initially rejected by the Supreme Court; and several appeals (&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-style:italic;font-weight:400;line-height:130%"&gt;recursos de reclamaci&#xf3;n&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;) 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In parallel to the foregoing, the Bank also filed an amparo against the judgment favorable to the plaintiffs rendered by the First District Court in the State of Nuevo Le&#xf3;n before the Collegiate Courts if such State, and in 2024, the Bank requested the Supreme Court of Justice of the Nation to take up and resolve the matter through the faculty of attraction, what is pending.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The challenges and appeals filed by the Bank imply that the judgment rendered in favour of the plaintiffs is not final, and Santander M&#xe9;xico believes that the actions taken should prevail and reverse the decision against it. The impact of a potential unfavorable resolution for Santander M&#xe9;xico will be determined in a subsequent proceeding and will also depend on the additional actions that Santander M&#xe9;xico may take in its defense, so it is not possible to 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Mortgage&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; 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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In relation to the statute of limitations, on 25 April 2024, two  judgments were rendered (cases C-561/21 and C-484/21) in which the Court of Justice of the European Union (CJEU) stated that the commencement of the statute of limitations for the reimbursement action of the mortgage expenses derived from the annulment of the clause, shall be fixed on the moment when the consumer has an effective knowledge of the abusive nature of the clause and its effects and that this date must not be fixed (a) on the date of payment of such expense nor of the execution of the agreement; (b) when the Supreme Court has handed down judgments stating the abusive nature of a clause similar to the one included in the consumer contract; nor (c) when the CJEU has handed down judgments confirming that the statute of limitations for the reimbursement action of the amounts derived from the annulment of contractual provisions is valid subject to its compliance with the principles of equivalence and effectiveness. &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Supreme Court has confirmed this criterion in its 14 June 2024 judgment, establishing that the public dissemination of case-law declaring the abusive nature of a clause does not necessarily give rise to the limitation period of the reimbursement action derived from similar clauses. However, the 4 July 2024 judgment, rendered in the case C-450/22, the CJEU has established that it cannot be excluded a priori that, as a consequence of the occurrence of an objective event or of a notorious event, such as the amendment of the applicable legislation or a widely disseminated and debated development of jurisprudence, the court considers that the average consumer's overall perception of the floor clause has changed during the reference period and has enabled him to become aware of the potentially significant economic consequences arising from such clause. A further preliminary question concerning the statute of limitations of the reimbursement action derived from the annulment of mortgage expenses has been raised before the CJEU by the First Instance Court No 8 of La Coru&#xf1;a. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In December in 2024, the Supreme Court handed down two additional judgments regarding statute of limitations, in which it determines that the date to be considered for the purposes of the application of Directive 93/1994 and, consequently, the statute of limitations detailed in its previous judgments, is 31 December 1994 (i.e. the date when the deadline for its transposition ended). This is based on the principle of interpretation in accordance with directives not transposed (applicable once their transposition period has expired). The recorded provision includes the best estimate of Group&#x2019;s liability for this matter.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Banco Santander and the other Group companies are subject to claims and, therefore, are party to certain judicial and administrative 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;With the information available to it, the Group considers that, at 31 December 2025, 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. Disputes in which risk and/or provisions have been registered but are not disclosed is justified on the basis that it would be prejudicial to the proper defense of the Group. Subject to the qualifications made, it also believes that any liability arising from such claims and proceedings will not have, overall, a material adverse effect on the Group&#x2019;s business, financial position, or results of operations.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfProvisionsExplanatory>
    <san:DisclosureOfReconciliationOfProvisionsTableTextBlock contextRef="c-1" id="f-5497">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Provisions in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:47.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.876%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provision for pensions and other obligations post-employments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,656&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,731&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,225&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other long term employee benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;993&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;915&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;880&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions for taxes and other legal contingencies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,989&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,717&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,715&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Contingent liabilities and commitments (note 2.o)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;702&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,004&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,334&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,919&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,355&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,407&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,441&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;</san:DisclosureOfReconciliationOfProvisionsTableTextBlock>
    <ifrs-full:Provisions contextRef="c-62" decimals="-6" id="f-5498" unitRef="eur">1656000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-63" decimals="-6" id="f-5499" unitRef="eur">1731000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-64" decimals="-6" id="f-5500" unitRef="eur">2225000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-65" decimals="-6" id="f-5501" unitRef="eur">993000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-66" decimals="-6" id="f-5502" unitRef="eur">915000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-67" decimals="-6" id="f-5503" unitRef="eur">880000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-68" decimals="-6" id="f-5504" unitRef="eur">2989000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-69" decimals="-6" id="f-5505" unitRef="eur">2717000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-70" decimals="-6" id="f-5506" unitRef="eur">2715000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-71" decimals="-6" id="f-5507" unitRef="eur">713000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-72" decimals="-6" id="f-5508" unitRef="eur">710000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-73" decimals="-6" id="f-5509" unitRef="eur">702000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-74" decimals="-6" id="f-5510" unitRef="eur">2004000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-75" decimals="-6" id="f-5511" unitRef="eur">2334000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-76" decimals="-6" id="f-5512" unitRef="eur">1919000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2" decimals="-6" id="f-5513" unitRef="eur">8355000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-3" decimals="-6" id="f-5514" unitRef="eur">8407000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-4" decimals="-6" id="f-5515" unitRef="eur">8441000000</ifrs-full:Provisions>
    <san:DisclosureOfProvisionRollForwardTableTextBlock contextRef="c-1" id="f-5516">&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in 'Provisions' in the last three years were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:42.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.532%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Post employment plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Long term employee benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Contingent liabilities and commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balances at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,731&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;915&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;710&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,051&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,407&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Incorporation of Group companies, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Additions charged to income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;437&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,872&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,434&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest expense (note 39)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;91&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Staff costs (note 46)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions or reversion of provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,872&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,302&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Addition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;424&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;591&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,036&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Release&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(541)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,164)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,755)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other additions arising from insurance contracts linked to pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in value recognised in equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Payments to pensioners and pre-retirees with a charge to internal provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(107)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(358)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(465)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid due to settlements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Insurance premiums paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Payments to external funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(329)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(329)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Amounts used&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,914)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,914)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transfer, exchange differences and other changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(47)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balances at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,656&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;993&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;713&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,993&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,355&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.392%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.239%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Post employment plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Long term employee benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Contingent liabilities and commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Other provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Post employment plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Long term employee benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Contingent liabilities and commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Other provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Balances at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,225&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;880&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;702&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;4,634&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;8,441&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,392&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;950&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;734&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;4,073&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;8,149&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Incorporation of Group companies, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Additions charged to income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;94&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;368&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,703&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,212&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;244&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,895&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,193&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest expense (note 39)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;93&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Staff costs (note 46)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Provisions or reversion of provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,703&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,062&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;201&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,895&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;Addition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;430&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,026&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,796&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;204&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;378&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,992&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;Release&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;(383)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,323)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,734)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;(416)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,512)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,934)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other additions arising from insurance contracts linked to pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Changes in value recognised in equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;643&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;643&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;944&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;944&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Payments to pensioners and pre-retirees with a charge to internal provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(153)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(331)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(484)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(182)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(316)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(498)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Insurance premiums paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Payments to external funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(708)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(708)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(750)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(750)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Amounts used&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2,178)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2,178)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1,825)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1,826)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Transfer, exchange differences and other changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(368)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(39)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(108)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(517)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(267)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;491&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Balances at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,731&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;915&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;710&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;5,051&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;8,407&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,225&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;880&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;702&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;4,634&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;8,441&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfProvisionRollForwardTableTextBlock>
    <ifrs-full:Provisions contextRef="c-63" decimals="-6" id="f-5517" unitRef="eur">1731000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-66" decimals="-6" id="f-5518" unitRef="eur">915000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-72" decimals="-6" id="f-5519" unitRef="eur">710000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2466" decimals="-6" id="f-5520" unitRef="eur">5051000000</ifrs-full:Provisions>
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    <san:IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions contextRef="c-2479" decimals="-6" id="f-5744" unitRef="eur">-39000000</san:IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions>
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    <san:IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions contextRef="c-86" decimals="-6" id="f-5746" unitRef="eur">-517000000</san:IncreaseDecreaseThroughTransferExchangeDifferencesAndOtherChangesProvisions>
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    <ifrs-full:Provisions contextRef="c-72" decimals="-6" id="f-5754" unitRef="eur">710000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2466" decimals="-6" id="f-5755" unitRef="eur">5051000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-3" decimals="-6" id="f-5756" unitRef="eur">8407000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-64" decimals="-6" id="f-5757" unitRef="eur">2225000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-67" decimals="-6" id="f-5758" unitRef="eur">880000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-73" decimals="-6" id="f-5759" unitRef="eur">702000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2472" decimals="-6" id="f-5760" unitRef="eur">4634000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-4" decimals="-6" id="f-5761" unitRef="eur">8441000000</ifrs-full:Provisions>
    <san:DisclosureOfProvisionForPensionsAndSimilarObligationsTableTextBlock contextRef="c-1" id="f-5762">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Provisions for pensions and similar obligations is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:54.764%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.408%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions for post-employment plans - Spanish entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;602&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;674&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;770&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions for other similar obligations - Spanish entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;927&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;852&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;817&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which pre-retirements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;839&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;805&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions for post-employment plans - United Kingdom&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions for post-employment plans - Other subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,379&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions for other similar obligations - Other subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;63&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;63&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Provision for pensions and other obligations post -employments and Other long term employee benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,649&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,646&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,105&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which defined benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,637&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,638&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,097&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfProvisionForPensionsAndSimilarObligationsTableTextBlock>
    <ifrs-full:Provisions contextRef="c-2485" decimals="-6" id="f-5763" unitRef="eur">602000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2486" decimals="-6" id="f-5764" unitRef="eur">674000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2487" decimals="-6" id="f-5765" unitRef="eur">770000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2488" decimals="-6" id="f-5766" unitRef="eur">927000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2489" decimals="-6" id="f-5767" unitRef="eur">852000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2490" decimals="-6" id="f-5768" unitRef="eur">817000000</ifrs-full:Provisions>
    <san:ProvisionsForPreRetirements contextRef="c-307" decimals="-6" id="f-5769" unitRef="eur">916000000</san:ProvisionsForPreRetirements>
    <san:ProvisionsForPreRetirements contextRef="c-2491" decimals="-6" id="f-5770" unitRef="eur">839000000</san:ProvisionsForPreRetirements>
    <san:ProvisionsForPreRetirements contextRef="c-2492" decimals="-6" id="f-5771" unitRef="eur">805000000</san:ProvisionsForPreRetirements>
    <ifrs-full:Provisions contextRef="c-2493" decimals="-6" id="f-5772" unitRef="eur">26000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2494" decimals="-6" id="f-5773" unitRef="eur">28000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2495" decimals="-6" id="f-5774" unitRef="eur">76000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2496" decimals="-6" id="f-5775" unitRef="eur">1028000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2497" decimals="-6" id="f-5776" unitRef="eur">1029000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2498" decimals="-6" id="f-5777" unitRef="eur">1379000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2499" decimals="-6" id="f-5778" unitRef="eur">66000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2500" decimals="-6" id="f-5779" unitRef="eur">63000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2501" decimals="-6" id="f-5780" unitRef="eur">63000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2502" decimals="-6" id="f-5781" unitRef="eur">2649000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2503" decimals="-6" id="f-5782" unitRef="eur">2646000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2504" decimals="-6" id="f-5783" unitRef="eur">3105000000</ifrs-full:Provisions>
    <san:ProvisionForDefinedBenefits contextRef="c-2" decimals="-6" id="f-5784" unitRef="eur">2637000000</san:ProvisionForDefinedBenefits>
    <san:ProvisionForDefinedBenefits contextRef="c-3" decimals="-6" id="f-5785" unitRef="eur">2638000000</san:ProvisionForDefinedBenefits>
    <san:ProvisionForDefinedBenefits contextRef="c-4" decimals="-6" id="f-5786" unitRef="eur">3097000000</san:ProvisionForDefinedBenefits>
    <san:NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers
      contextRef="c-87"
      decimals="INF"
      id="f-5787"
      unitRef="people">502</san:NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers>
    <san:ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers contextRef="c-87" decimals="-6" id="f-5788" unitRef="eur">160000000</san:ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers>
    <san:NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers
      contextRef="c-86"
      decimals="INF"
      id="f-5789"
      unitRef="people">826</san:NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers>
    <san:ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers contextRef="c-86" decimals="-6" id="f-5790" unitRef="eur">303000000</san:ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers>
    <san:NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers
      contextRef="c-1"
      decimals="INF"
      id="f-5791"
      unitRef="people">1238</san:NumberOfEmployeesAcceptedPreRetirementAndVoluntaryRedundancyOffers>
    <san:ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers contextRef="c-1" decimals="-6" id="f-5792" unitRef="eur">389000000</san:ProvisionsRecognizedToCoverExpensesOfPreRetirementAndVoluntaryRedundancyOffers>
    <ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans contextRef="c-2505" decimals="-6" id="f-5793" unitRef="eur">130000000</ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans>
    <ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans contextRef="c-2506" decimals="-6" id="f-5794" unitRef="eur">126000000</ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans>
    <ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans contextRef="c-2507" decimals="-6" id="f-5795" unitRef="eur">116000000</ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans>
    <san:DisclosureOfActuarialAssumptionsUsedToCalculateDefinedBenefitObligationsTableTextBlock contextRef="c-1" id="f-5796">Specifically, the most significant actuarial assumptions used in the calculations were as follows:&lt;div style="margin-bottom:3pt;padding-left:18pt;text-indent:-18pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.682%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Post-employment&#160;plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 6.62pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&#160;similar&#160;obligations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 12.25pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Annual discount rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.75&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.35&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.75&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.35&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mortality tables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;PER2020 M/F Col. Orden 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;PER2020 M/F Col. Orden 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;PER2020 M/F Col. Orden 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;PER2020 M/F Col. Orden 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;PER2020 M/F Col. Orden 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;PER2020 M/F Col. Orden 1&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cumulative annual CPI growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.00&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.00&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Annual salary increase rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.25%&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.25%&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.25%&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Annual social security pension increase rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.12&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.12&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.12&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Annual benefit increase rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;Corresponds to the group&#x2019;s defined-benefit obligationsSpecifically, the most significant actuarial assumptions used in the calculations were as follows:&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.776%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.813%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.815%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Annual discount rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.58%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.54%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.63%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mortality tables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;''S4 Light' tables weighted 105% males/101% females and CMI_2024 projection [LTR=1.25%, A=0.25%, H=1] with both Age-Period and Cohort convergence periods equal to core values except increased to 20 years for ages 80 to 100 and then tapering down to nil by age 120&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;The S3 Middle tables weighted at 84% of the CMI_2023 projection with an initial addition of 0.25%, smoothing parameter 7 and improving 1.25%.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;The S3 Middle tables weighted at 84% of the CMI_2022 projection with an initial addition of 0.25%, smoothing parameter 7 and improving 1.25%.&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cumulative annual CPI growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.9%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.11%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.02%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Annual salary increase rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.00%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.00%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.00%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Annual pension increase rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.78%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.04%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.96%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfActuarialAssumptionsUsedToCalculateDefinedBenefitObligationsTableTextBlock>
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    <ifrs-full:ActuarialAssumptionOfDiscountRates
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    <ifrs-full:ActuarialAssumptionOfDiscountRates
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    <ifrs-full:ActuarialAssumptionOfDiscountRates
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      id="f-5801"
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    <ifrs-full:ActuarialAssumptionOfDiscountRates
      contextRef="c-2490"
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      id="f-5802"
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    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfInflation
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      id="f-5803"
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      contextRef="c-2486"
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      id="f-5804"
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      id="f-5805"
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    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfInflation
      contextRef="c-2488"
      decimals="4"
      id="f-5806"
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    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfInflation
      contextRef="c-2489"
      decimals="4"
      id="f-5807"
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      decimals="4"
      id="f-5808"
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      id="f-5809"
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      contextRef="c-2486"
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      id="f-5810"
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    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases
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      id="f-5811"
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      id="f-5816"
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      id="f-5817"
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    <ifrs-full:PercentageOfReasonablyPossibleIncreaseInActuarialAssumption
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      id="f-5818"
      unitRef="number">0.0050</ifrs-full:PercentageOfReasonablyPossibleIncreaseInActuarialAssumption>
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      id="f-5819"
      unitRef="number">0.0050</ifrs-full:PercentageOfReasonablyPossibleDecreaseInActuarialAssumption>
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      unitRef="number">0.0115</san:IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption>
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      id="f-5823"
      unitRef="number">-0.0115</san:IncreaseDecreaseInBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption>
    <san:DisclosureOfExpectedRateOfReturnAssumptionsTableTextBlock contextRef="c-1" id="f-5824">&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The fair value of insurance contracts was determined as the present value of the related payment obligations, taking into account the following assumptions:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.985%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.757%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Post-employment&#160;plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&#160;similar&#160;obligations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Expected rate of return on plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.75&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.35&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.75&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.35&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Expected rate of return on reimbursement rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.75&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.35&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;N/A&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfExpectedRateOfReturnAssumptionsTableTextBlock>
    <san:ExpectedRateOfReturnOnPlanAssets
      contextRef="c-2511"
      decimals="4"
      id="f-5825"
      unitRef="number">0.0375</san:ExpectedRateOfReturnOnPlanAssets>
    <san:ExpectedRateOfReturnOnPlanAssets
      contextRef="c-2512"
      decimals="4"
      id="f-5826"
      unitRef="number">0.0300</san:ExpectedRateOfReturnOnPlanAssets>
    <san:ExpectedRateOfReturnOnPlanAssets
      contextRef="c-2513"
      decimals="4"
      id="f-5827"
      unitRef="number">0.0335</san:ExpectedRateOfReturnOnPlanAssets>
    <san:ExpectedRateOfReturnOnPlanAssets
      contextRef="c-2514"
      decimals="4"
      id="f-5828"
      unitRef="number">0.0375</san:ExpectedRateOfReturnOnPlanAssets>
    <san:ExpectedRateOfReturnOnPlanAssets
      contextRef="c-2515"
      decimals="4"
      id="f-5829"
      unitRef="number">0.0300</san:ExpectedRateOfReturnOnPlanAssets>
    <san:ExpectedRateOfReturnOnPlanAssets
      contextRef="c-2516"
      decimals="4"
      id="f-5830"
      unitRef="number">0.0335</san:ExpectedRateOfReturnOnPlanAssets>
    <san:InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights
      contextRef="c-2511"
      decimals="4"
      id="f-5831"
      unitRef="number">0.0375</san:InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights>
    <san:InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights
      contextRef="c-2512"
      decimals="4"
      id="f-5832"
      unitRef="number">0.0300</san:InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights>
    <san:InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights
      contextRef="c-2513"
      decimals="4"
      id="f-5833"
      unitRef="number">0.0335</san:InsuranceContractLinkedToDefinedBenefitPlansExpectedRateOfReturnOnReimbursementRights>
    <ifrs-full:DisclosureOfNetDefinedBenefitLiabilityAssetExplanatory contextRef="c-1" id="f-5834">&lt;div style="margin-bottom:9pt;margin-top:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The funding status of the defined benefit obligations in 2025 and the two preceding&#160;years is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.985%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.756%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Post-employment&#160;plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="background-color:#f6f6f6;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&#160;similar&#160;obligations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Present value of the obligations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To current employees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Vested obligations to retired employees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,610&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,850&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,936&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;To pre-retirees employees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;919&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;812&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Long-service bonuses and other benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,644&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,899&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,987&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;930&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;857&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;824&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Less - Fair value of plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,234&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Provisions - Provisions for pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;586&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;665&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;752&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;927&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;852&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;817&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Internal provisions for pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;535&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;927&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;817&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Net pension assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Insurance contracts linked to pensions (note 14)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;67&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;81&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;93&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Unrecognised net assets for pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The funding status of the defined benefit obligations in 2025 and the two preceding&#160;years is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value of the obligations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,451&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Less-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fair value of plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,740&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Provisions&#160;- Provisions for pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(576)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(502)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(757)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Internal provisions for pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Net assets for pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(601)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(530)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(833)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The funding status of the obligations similar to post-employment benefits and other long-term benefits in 2025 and the two preceding&#160;years is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:56.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.976%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which business in Brazil&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value of the obligations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,886&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,569&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,903&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Less-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which: with a charge to the participants&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;157&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fair value of plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,730&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,787&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Provisions - Provisions for pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;450&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;(313)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;244&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;584&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Internal provisions for pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,083&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,084&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,434&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Net assets for pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(170)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(60)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(141)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(154)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Unrecognised net assets for pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(463)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(463)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(699)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(696)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfNetDefinedBenefitLiabilityAssetExplanatory>
    <san:DefinedBenefitObligationToCurrentEmployeesAtPresentValue contextRef="c-2517" decimals="-6" id="f-5835" unitRef="eur">34000000</san:DefinedBenefitObligationToCurrentEmployeesAtPresentValue>
    <san:DefinedBenefitObligationToCurrentEmployeesAtPresentValue contextRef="c-2518" decimals="-6" id="f-5836" unitRef="eur">49000000</san:DefinedBenefitObligationToCurrentEmployeesAtPresentValue>
    <san:DefinedBenefitObligationToCurrentEmployeesAtPresentValue contextRef="c-2519" decimals="-6" id="f-5837" unitRef="eur">51000000</san:DefinedBenefitObligationToCurrentEmployeesAtPresentValue>
    <san:DefinedBenefitObligationToCurrentEmployeesAtPresentValue contextRef="c-2520" decimals="-6" id="f-5838" unitRef="eur">0</san:DefinedBenefitObligationToCurrentEmployeesAtPresentValue>
    <san:DefinedBenefitObligationToCurrentEmployeesAtPresentValue contextRef="c-2521" decimals="-6" id="f-5839" unitRef="eur">0</san:DefinedBenefitObligationToCurrentEmployeesAtPresentValue>
    <san:DefinedBenefitObligationToCurrentEmployeesAtPresentValue contextRef="c-2522" decimals="-6" id="f-5840" unitRef="eur">0</san:DefinedBenefitObligationToCurrentEmployeesAtPresentValue>
    <san:DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue contextRef="c-2517" decimals="-6" id="f-5841" unitRef="eur">1610000000</san:DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue>
    <san:DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue contextRef="c-2518" decimals="-6" id="f-5842" unitRef="eur">1850000000</san:DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue>
    <san:DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue contextRef="c-2519" decimals="-6" id="f-5843" unitRef="eur">1936000000</san:DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue>
    <san:DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue contextRef="c-2520" decimals="-6" id="f-5844" unitRef="eur">0</san:DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue>
    <san:DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue contextRef="c-2521" decimals="-6" id="f-5845" unitRef="eur">0</san:DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue>
    <san:DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue contextRef="c-2522" decimals="-6" id="f-5846" unitRef="eur">0</san:DefinedBenefitObligationToVestedObligationsToRetiredEmployeesAtPresentValue>
    <san:DefinedBenefitObligationToPreRetireesAtPresentValue
      contextRef="c-2517"
      id="f-5847"
      unitRef="eur"
      xsi:nil="true"/>
    <san:DefinedBenefitObligationToPreRetireesAtPresentValue contextRef="c-2518" decimals="-6" id="f-5848" unitRef="eur">0</san:DefinedBenefitObligationToPreRetireesAtPresentValue>
    <san:DefinedBenefitObligationToPreRetireesAtPresentValue contextRef="c-2519" decimals="-6" id="f-5849" unitRef="eur">0</san:DefinedBenefitObligationToPreRetireesAtPresentValue>
    <san:DefinedBenefitObligationToPreRetireesAtPresentValue contextRef="c-2520" decimals="-6" id="f-5850" unitRef="eur">919000000</san:DefinedBenefitObligationToPreRetireesAtPresentValue>
    <san:DefinedBenefitObligationToPreRetireesAtPresentValue contextRef="c-2521" decimals="-6" id="f-5851" unitRef="eur">844000000</san:DefinedBenefitObligationToPreRetireesAtPresentValue>
    <san:DefinedBenefitObligationToPreRetireesAtPresentValue contextRef="c-2522" decimals="-6" id="f-5852" unitRef="eur">812000000</san:DefinedBenefitObligationToPreRetireesAtPresentValue>
    <san:DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue
      contextRef="c-2517"
      id="f-5853"
      unitRef="eur"
      xsi:nil="true"/>
    <san:DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue contextRef="c-2518" decimals="-6" id="f-5854" unitRef="eur">0</san:DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue>
    <san:DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue contextRef="c-2519" decimals="-6" id="f-5855" unitRef="eur">0</san:DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue>
    <san:DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue contextRef="c-2520" decimals="-6" id="f-5856" unitRef="eur">11000000</san:DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue>
    <san:DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue contextRef="c-2521" decimals="-6" id="f-5857" unitRef="eur">13000000</san:DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue>
    <san:DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue contextRef="c-2522" decimals="-6" id="f-5858" unitRef="eur">12000000</san:DefinedBenefitObligationOfLongServiceBonusesAndOtherBenefitsAtPresentValue>
    <ifrs-full:DefinedBenefitObligationAtPresentValue contextRef="c-2517" decimals="-6" id="f-5859" unitRef="eur">1644000000</ifrs-full:DefinedBenefitObligationAtPresentValue>
    <ifrs-full:DefinedBenefitObligationAtPresentValue contextRef="c-2518" decimals="-6" id="f-5860" unitRef="eur">1899000000</ifrs-full:DefinedBenefitObligationAtPresentValue>
    <ifrs-full:DefinedBenefitObligationAtPresentValue contextRef="c-2519" decimals="-6" id="f-5861" unitRef="eur">1987000000</ifrs-full:DefinedBenefitObligationAtPresentValue>
    <ifrs-full:DefinedBenefitObligationAtPresentValue contextRef="c-2520" decimals="-6" id="f-5862" unitRef="eur">930000000</ifrs-full:DefinedBenefitObligationAtPresentValue>
    <ifrs-full:DefinedBenefitObligationAtPresentValue contextRef="c-2521" decimals="-6" id="f-5863" unitRef="eur">857000000</ifrs-full:DefinedBenefitObligationAtPresentValue>
    <ifrs-full:DefinedBenefitObligationAtPresentValue contextRef="c-2522" decimals="-6" id="f-5864" unitRef="eur">824000000</ifrs-full:DefinedBenefitObligationAtPresentValue>
    <ifrs-full:PlanAssetsAtFairValue contextRef="c-2517" decimals="-6" id="f-5865" unitRef="eur">1058000000</ifrs-full:PlanAssetsAtFairValue>
    <ifrs-full:PlanAssetsAtFairValue contextRef="c-2518" decimals="-6" id="f-5866" unitRef="eur">1234000000</ifrs-full:PlanAssetsAtFairValue>
    <ifrs-full:PlanAssetsAtFairValue contextRef="c-2519" decimals="-6" id="f-5867" unitRef="eur">1235000000</ifrs-full:PlanAssetsAtFairValue>
    <ifrs-full:PlanAssetsAtFairValue contextRef="c-2520" decimals="-6" id="f-5868" unitRef="eur">3000000</ifrs-full:PlanAssetsAtFairValue>
    <ifrs-full:PlanAssetsAtFairValue contextRef="c-2521" decimals="-6" id="f-5869" unitRef="eur">5000000</ifrs-full:PlanAssetsAtFairValue>
    <ifrs-full:PlanAssetsAtFairValue contextRef="c-2522" decimals="-6" id="f-5870" unitRef="eur">7000000</ifrs-full:PlanAssetsAtFairValue>
    <ifrs-full:SurplusDeficitInPlan contextRef="c-2517" decimals="-6" id="f-5871" unitRef="eur">-586000000</ifrs-full:SurplusDeficitInPlan>
    <ifrs-full:SurplusDeficitInPlan contextRef="c-2518" decimals="-6" id="f-5872" unitRef="eur">-665000000</ifrs-full:SurplusDeficitInPlan>
    <ifrs-full:SurplusDeficitInPlan contextRef="c-2519" decimals="-6" id="f-5873" unitRef="eur">-752000000</ifrs-full:SurplusDeficitInPlan>
    <ifrs-full:SurplusDeficitInPlan contextRef="c-2520" decimals="-6" id="f-5874" unitRef="eur">-927000000</ifrs-full:SurplusDeficitInPlan>
    <ifrs-full:SurplusDeficitInPlan contextRef="c-2521" decimals="-6" id="f-5875" unitRef="eur">-852000000</ifrs-full:SurplusDeficitInPlan>
    <ifrs-full:SurplusDeficitInPlan contextRef="c-2522" decimals="-6" id="f-5876" unitRef="eur">-817000000</ifrs-full:SurplusDeficitInPlan>
    <san:InternalProvisionsForPensions contextRef="c-2517" decimals="-6" id="f-5877" unitRef="eur">535000000</san:InternalProvisionsForPensions>
    <san:InternalProvisionsForPensions contextRef="c-2518" decimals="-6" id="f-5878" unitRef="eur">593000000</san:InternalProvisionsForPensions>
    <san:InternalProvisionsForPensions contextRef="c-2519" decimals="-6" id="f-5879" unitRef="eur">677000000</san:InternalProvisionsForPensions>
    <san:InternalProvisionsForPensions contextRef="c-2520" decimals="-6" id="f-5880" unitRef="eur">927000000</san:InternalProvisionsForPensions>
    <san:InternalProvisionsForPensions contextRef="c-2521" decimals="-6" id="f-5881" unitRef="eur">852000000</san:InternalProvisionsForPensions>
    <san:InternalProvisionsForPensions contextRef="c-2522" decimals="-6" id="f-5882" unitRef="eur">817000000</san:InternalProvisionsForPensions>
    <san:NetPensionAssets contextRef="c-2517" decimals="-6" id="f-5883" unitRef="eur">13000000</san:NetPensionAssets>
    <san:NetPensionAssets contextRef="c-2518" decimals="-6" id="f-5884" unitRef="eur">6000000</san:NetPensionAssets>
    <san:NetPensionAssets contextRef="c-2519" decimals="-6" id="f-5885" unitRef="eur">14000000</san:NetPensionAssets>
    <san:NetPensionAssets contextRef="c-2520" decimals="-6" id="f-5886" unitRef="eur">0</san:NetPensionAssets>
    <san:NetPensionAssets contextRef="c-2521" decimals="-6" id="f-5887" unitRef="eur">0</san:NetPensionAssets>
    <san:NetPensionAssets contextRef="c-2522" decimals="-6" id="f-5888" unitRef="eur">0</san:NetPensionAssets>
    <san:InsuranceContractsLinkedToPensions contextRef="c-2517" decimals="-6" id="f-5889" unitRef="eur">67000000</san:InsuranceContractsLinkedToPensions>
    <san:InsuranceContractsLinkedToPensions contextRef="c-2518" decimals="-6" id="f-5890" unitRef="eur">81000000</san:InsuranceContractsLinkedToPensions>
    <san:InsuranceContractsLinkedToPensions contextRef="c-2519" decimals="-6" id="f-5891" unitRef="eur">93000000</san:InsuranceContractsLinkedToPensions>
    <san:InsuranceContractsLinkedToPensions contextRef="c-2520" decimals="-6" id="f-5892" unitRef="eur">0</san:InsuranceContractsLinkedToPensions>
    <san:InsuranceContractsLinkedToPensions contextRef="c-2521" decimals="-6" id="f-5893" unitRef="eur">0</san:InsuranceContractsLinkedToPensions>
    <san:InsuranceContractsLinkedToPensions contextRef="c-2522" decimals="-6" id="f-5894" unitRef="eur">0</san:InsuranceContractsLinkedToPensions>
    <san:UnrecognizedNetAssetsForPensions contextRef="c-2517" decimals="-6" id="f-5895" unitRef="eur">3000000</san:UnrecognizedNetAssetsForPensions>
    <san:UnrecognizedNetAssetsForPensions contextRef="c-2518" decimals="-6" id="f-5896" unitRef="eur">3000000</san:UnrecognizedNetAssetsForPensions>
    <san:UnrecognizedNetAssetsForPensions contextRef="c-2519" decimals="-6" id="f-5897" unitRef="eur">4000000</san:UnrecognizedNetAssetsForPensions>
    <san:UnrecognizedNetAssetsForPensions contextRef="c-2520" decimals="-6" id="f-5898" unitRef="eur">0</san:UnrecognizedNetAssetsForPensions>
    <san:UnrecognizedNetAssetsForPensions contextRef="c-2521" decimals="-6" id="f-5899" unitRef="eur">0</san:UnrecognizedNetAssetsForPensions>
    <san:UnrecognizedNetAssetsForPensions contextRef="c-2522" decimals="-6" id="f-5900" unitRef="eur">0</san:UnrecognizedNetAssetsForPensions>
    <san:DisclosureOfDefinedBenefitObligationExpensesRecognizedInIncomeStatementsTableTextBlock contextRef="c-1" id="f-5901">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The amounts recognised in the consolidated income statements in relation to the aforementioned defined benefit obligations are as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.460%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.775%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.775%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.775%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.988%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.775%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.775%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.777%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Post-employment&#160;plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&#160;similar&#160;obligations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest cost (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Expected return on insurance contracts linked to pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions or reversion of provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Actuarial (gains)/losses recognised in the&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Past service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Pre-retirement cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;303&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;41&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;398&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;325&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;210&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Including reduction/settlement effect&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The amounts recognised in the consolidated income statements in relation to the aforementioned defined benefit obligations are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest cost (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(62)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions or reversal of provisions, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cost of services provided&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(27)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(48)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The amounts recognised in the consolidated income statements in relation to these obligations are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest cost (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions or reversion of provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(Actuarial gains)/losses recognised in the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Past service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pre-retirement cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;120&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;140&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;129&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfDefinedBenefitObligationExpensesRecognizedInIncomeStatementsTableTextBlock>
    <san:DefinedBenefitPlansServiceCost contextRef="c-2523" decimals="-6" id="f-5902" unitRef="eur">5000000</san:DefinedBenefitPlansServiceCost>
    <san:DefinedBenefitPlansServiceCost contextRef="c-2524" decimals="-6" id="f-5903" unitRef="eur">3000000</san:DefinedBenefitPlansServiceCost>
    <san:DefinedBenefitPlansServiceCost contextRef="c-2525" decimals="-6" id="f-5904" unitRef="eur">2000000</san:DefinedBenefitPlansServiceCost>
    <san:DefinedBenefitPlansServiceCost contextRef="c-2526" decimals="-6" id="f-5905" unitRef="eur">1000000</san:DefinedBenefitPlansServiceCost>
    <san:DefinedBenefitPlansServiceCost contextRef="c-2527" decimals="-6" id="f-5906" unitRef="eur">1000000</san:DefinedBenefitPlansServiceCost>
    <san:DefinedBenefitPlansServiceCost contextRef="c-2528" decimals="-6" id="f-5907" unitRef="eur">1000000</san:DefinedBenefitPlansServiceCost>
    <san:DefinedBenefitPlansInterestExpenseNet contextRef="c-2523" decimals="-6" id="f-5908" unitRef="eur">27000000</san:DefinedBenefitPlansInterestExpenseNet>
    <san:DefinedBenefitPlansInterestExpenseNet contextRef="c-2524" decimals="-6" id="f-5909" unitRef="eur">28000000</san:DefinedBenefitPlansInterestExpenseNet>
    <san:DefinedBenefitPlansInterestExpenseNet contextRef="c-2525" decimals="-6" id="f-5910" unitRef="eur">42000000</san:DefinedBenefitPlansInterestExpenseNet>
    <san:DefinedBenefitPlansInterestExpenseNet contextRef="c-2526" decimals="-6" id="f-5911" unitRef="eur">27000000</san:DefinedBenefitPlansInterestExpenseNet>
    <san:DefinedBenefitPlansInterestExpenseNet contextRef="c-2527" decimals="-6" id="f-5912" unitRef="eur">25000000</san:DefinedBenefitPlansInterestExpenseNet>
    <san:DefinedBenefitPlansInterestExpenseNet contextRef="c-2528" decimals="-6" id="f-5913" unitRef="eur">30000000</san:DefinedBenefitPlansInterestExpenseNet>
    <san:ExpectedReturnOnInsuranceContractsLinkedToPensions contextRef="c-2523" decimals="-6" id="f-5914" unitRef="eur">3000000</san:ExpectedReturnOnInsuranceContractsLinkedToPensions>
    <san:ExpectedReturnOnInsuranceContractsLinkedToPensions contextRef="c-2524" decimals="-6" id="f-5915" unitRef="eur">3000000</san:ExpectedReturnOnInsuranceContractsLinkedToPensions>
    <san:ExpectedReturnOnInsuranceContractsLinkedToPensions contextRef="c-2525" decimals="-6" id="f-5916" unitRef="eur">4000000</san:ExpectedReturnOnInsuranceContractsLinkedToPensions>
    <san:ExpectedReturnOnInsuranceContractsLinkedToPensions contextRef="c-2526" decimals="-6" id="f-5917" unitRef="eur">0</san:ExpectedReturnOnInsuranceContractsLinkedToPensions>
    <san:ExpectedReturnOnInsuranceContractsLinkedToPensions contextRef="c-2527" decimals="-6" id="f-5918" unitRef="eur">0</san:ExpectedReturnOnInsuranceContractsLinkedToPensions>
    <san:ExpectedReturnOnInsuranceContractsLinkedToPensions contextRef="c-2528" decimals="-6" id="f-5919" unitRef="eur">0</san:ExpectedReturnOnInsuranceContractsLinkedToPensions>
    <san:ActuarialGainsLossesRecognizedRelatedToDefinedBenefit contextRef="c-2523" decimals="-6" id="f-5920" unitRef="eur">0</san:ActuarialGainsLossesRecognizedRelatedToDefinedBenefit>
    <san:ActuarialGainsLossesRecognizedRelatedToDefinedBenefit contextRef="c-2524" decimals="-6" id="f-5921" unitRef="eur">0</san:ActuarialGainsLossesRecognizedRelatedToDefinedBenefit>
    <san:ActuarialGainsLossesRecognizedRelatedToDefinedBenefit contextRef="c-2525" decimals="-6" id="f-5922" unitRef="eur">0</san:ActuarialGainsLossesRecognizedRelatedToDefinedBenefit>
    <san:ActuarialGainsLossesRecognizedRelatedToDefinedBenefit contextRef="c-2526" decimals="-6" id="f-5923" unitRef="eur">19000000</san:ActuarialGainsLossesRecognizedRelatedToDefinedBenefit>
    <san:ActuarialGainsLossesRecognizedRelatedToDefinedBenefit contextRef="c-2527" decimals="-6" id="f-5924" unitRef="eur">0</san:ActuarialGainsLossesRecognizedRelatedToDefinedBenefit>
    <san:ActuarialGainsLossesRecognizedRelatedToDefinedBenefit contextRef="c-2528" decimals="-6" id="f-5925" unitRef="eur">-7000000</san:ActuarialGainsLossesRecognizedRelatedToDefinedBenefit>
    <san:PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits contextRef="c-2523" decimals="-6" id="f-5926" unitRef="eur">0</san:PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits>
    <san:PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits contextRef="c-2524" decimals="-6" id="f-5927" unitRef="eur">3000000</san:PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits>
    <san:PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits contextRef="c-2525" decimals="-6" id="f-5928" unitRef="eur">2000000</san:PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits>
    <san:PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits contextRef="c-2526" decimals="-6" id="f-5929" unitRef="eur">0</san:PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits>
    <san:PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits contextRef="c-2527" decimals="-6" id="f-5930" unitRef="eur">0</san:PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits>
    <san:PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits contextRef="c-2528" decimals="-6" id="f-5931" unitRef="eur">13000000</san:PastServiceCostChargedToIncomeStatementRelatedToDefinedBenefits>
    <san:PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits contextRef="c-2523" decimals="-6" id="f-5932" unitRef="eur">0</san:PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits>
    <san:PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits contextRef="c-2524" decimals="-6" id="f-5933" unitRef="eur">0</san:PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits>
    <san:PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits contextRef="c-2525" decimals="-6" id="f-5934" unitRef="eur">0</san:PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits>
    <san:PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits contextRef="c-2526" decimals="-6" id="f-5935" unitRef="eur">389000000</san:PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits>
    <san:PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits contextRef="c-2527" decimals="-6" id="f-5936" unitRef="eur">303000000</san:PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits>
    <san:PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits contextRef="c-2528" decimals="-6" id="f-5937" unitRef="eur">160000000</san:PreRetirementCostChargedToIncomeStatementRelatedToDefinedBenefits>
    <san:OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits contextRef="c-2523" decimals="-6" id="f-5938" unitRef="eur">-16000000</san:OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits>
    <san:OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits contextRef="c-2524" decimals="-6" id="f-5939" unitRef="eur">-10000000</san:OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits>
    <san:OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits contextRef="c-2525" decimals="-6" id="f-5940" unitRef="eur">-1000000</san:OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits>
    <san:OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits contextRef="c-2526" decimals="-6" id="f-5941" unitRef="eur">0</san:OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits>
    <san:OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits contextRef="c-2527" decimals="-6" id="f-5942" unitRef="eur">-4000000</san:OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits>
    <san:OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits contextRef="c-2528" decimals="-6" id="f-5943" unitRef="eur">-1000000</san:OtherCostOrGainChargedToIncomeStatementRelatedToDefinedBenefits>
    <ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans contextRef="c-2523" decimals="-6" id="f-5944" unitRef="eur">13000000</ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans>
    <ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans contextRef="c-2524" decimals="-6" id="f-5945" unitRef="eur">21000000</ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans>
    <ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans contextRef="c-2525" decimals="-6" id="f-5946" unitRef="eur">41000000</ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans>
    <ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans contextRef="c-2526" decimals="-6" id="f-5947" unitRef="eur">398000000</ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans>
    <ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans contextRef="c-2527" decimals="-6" id="f-5948" unitRef="eur">325000000</ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans>
    <ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans contextRef="c-2528" decimals="-6" id="f-5949" unitRef="eur">210000000</ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans>
    <ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans contextRef="c-2505" decimals="-6" id="f-5950" unitRef="eur">-33000000</ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans>
    <ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans contextRef="c-2506" decimals="-6" id="f-5951" unitRef="eur">21000000</ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans>
    <ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans contextRef="c-2507" decimals="-6" id="f-5952" unitRef="eur">10000000</ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans>
    <ifrs-full:DisclosureOfDefinedBenefitPlansExplanatory contextRef="c-1" id="f-5953">&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in the present value of the accrued defined benefit obligations were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.832%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Post-employment&#160;plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&#160;similar&#160;obligations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value of the obligations at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,899&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,987&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,076&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;857&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;824&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;903&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Incorporation of Group companies, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;67&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;82&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pre-retirement cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;303&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Effect of curtailment/settlement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(179)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(203)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(210)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(325)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(292)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(290)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid due to settlements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Past service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial (gains)/losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(102)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Demographic actuarial (gains)/losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Financial actuarial (gains)/losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(88)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Present value of the obligations at end of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,644&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,899&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,987&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;930&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;857&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;824&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:1pt;margin-top:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in the present value of the accrued defined benefit obligations were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value of the obligations at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,451&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net incorporation of companies into the Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;438&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;436&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(469)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(465)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(428)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid by settlements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Contributions made by employees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Past service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial (gains)/losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(304)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(965)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Demographic actuarial (gains)/losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(91)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(133)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(59)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Financial actuarial (gains)/losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(213)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(832)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;340&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(438)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;419&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Present value of the obligations at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,164&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,898&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,451&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in the present value of the accrued obligations were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:58.776%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.173%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value of the obligations at beginning of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,903&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Incorporation of Group companies, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Current service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;552&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;599&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pre-retirement cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Effect of curtailment/settlement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(726)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,113)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(730)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid due to settlements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(133)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Contributions made by employees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Past service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial (gains)/losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;270&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(191)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;697&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Demographic actuarial (gains)/losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Financial actuarial (gains)/losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(30)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(190)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 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    <ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset contextRef="c-2538" decimals="-6" id="f-6029" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset contextRef="c-2539" decimals="-6" id="f-6030" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset contextRef="c-2540" decimals="-6" id="f-6031" unitRef="eur">1000000</ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2541" decimals="-6" id="f-6032" unitRef="eur">1644000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2529" decimals="-6" id="f-6033" unitRef="eur">1899000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2530" decimals="-6" id="f-6034" unitRef="eur">1987000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2542" decimals="-6" id="f-6035" unitRef="eur">930000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2532" decimals="-6" id="f-6036" unitRef="eur">857000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2533" decimals="-6" id="f-6037" unitRef="eur">824000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:DisclosureOfFairValueOfPlanAssetsExplanatory contextRef="c-1" id="f-6038">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in the fair value of plan assets and of insurance contracts linked to pensions were as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.720%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Plan Assets&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Post-employment&#160;plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other similar obligations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fair value of plan assets at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,234&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Incorporation of Group companies, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Expected return on plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains/(losses) on settlements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(144)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(124)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Contributions/(surrenders)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;409&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial gains/(losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value of plan assets at end of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,058&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,234&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,235&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in the fair value of the plan assets were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.554%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.554%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.247%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fair value of plan assets at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net incorporation of companies into the Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Expected return on plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;496&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;498&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(469)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(465)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(434)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;203&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;225&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial gains/(losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(421)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,440)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(406)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(469)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;437&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;214&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value of plan assets at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,740&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,400&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,208&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in the fair value of the plan assets were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ebebeb;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ebebeb;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ebebeb;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fair value of plan assets at beginning of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,787&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,321&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Incorporation of Group companies, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Expected return on plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;551&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;588&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(752)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,022)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(644)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Contributions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;134&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;477&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial gains/(losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(201)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(304)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Settlements gains/(losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(987)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value of plan assets at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ebebeb;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,284&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ebebeb;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,502&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,787&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfFairValueOfPlanAssetsExplanatory>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2543" decimals="-6" id="f-6039" unitRef="eur">-1234000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2544" decimals="-6" id="f-6040" unitRef="eur">-1235000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2545" decimals="-6" id="f-6041" unitRef="eur">-861000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2546" decimals="-6" id="f-6042" unitRef="eur">-5000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2547" decimals="-6" id="f-6043" unitRef="eur">-7000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2548" decimals="-6" id="f-6044" unitRef="eur">-8000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <san:NetInclusionOfEntitiesInGroupDefinedBenefits contextRef="c-2549" decimals="-6" id="f-6045" unitRef="eur">0</san:NetInclusionOfEntitiesInGroupDefinedBenefits>
    <san:NetInclusionOfEntitiesInGroupDefinedBenefits contextRef="c-2550" decimals="-6" id="f-6046" unitRef="eur">0</san:NetInclusionOfEntitiesInGroupDefinedBenefits>
    <san:NetInclusionOfEntitiesInGroupDefinedBenefits contextRef="c-2551" decimals="-6" id="f-6047" unitRef="eur">0</san:NetInclusionOfEntitiesInGroupDefinedBenefits>
    <san:NetInclusionOfEntitiesInGroupDefinedBenefits contextRef="c-2552" decimals="-6" id="f-6048" unitRef="eur">0</san:NetInclusionOfEntitiesInGroupDefinedBenefits>
    <san:NetInclusionOfEntitiesInGroupDefinedBenefits contextRef="c-2553" decimals="-6" id="f-6049" unitRef="eur">0</san:NetInclusionOfEntitiesInGroupDefinedBenefits>
    <san:NetInclusionOfEntitiesInGroupDefinedBenefits contextRef="c-2554" decimals="-6" id="f-6050" unitRef="eur">0</san:NetInclusionOfEntitiesInGroupDefinedBenefits>
    <san:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest contextRef="c-2549" decimals="-6" id="f-6051" unitRef="eur">40000000</san:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest>
    <san:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest contextRef="c-2550" decimals="-6" id="f-6052" unitRef="eur">43000000</san:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest>
    <san:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest contextRef="c-2551" decimals="-6" id="f-6053" unitRef="eur">40000000</san:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest>
    <san:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest contextRef="c-2552" decimals="-6" id="f-6054" unitRef="eur">0</san:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest>
    <san:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest contextRef="c-2553" decimals="-6" id="f-6055" unitRef="eur">0</san:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest>
    <san:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest contextRef="c-2554" decimals="-6" id="f-6056" unitRef="eur">0</san:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetIncludingInterest>
    <san:GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset contextRef="c-2549" decimals="-6" id="f-6057" unitRef="eur">-7000000</san:GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset>
    <san:GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset contextRef="c-2550" decimals="-6" id="f-6058" unitRef="eur">0</san:GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset>
    <san:GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset contextRef="c-2551" decimals="-6" id="f-6059" unitRef="eur">0</san:GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset>
    <san:GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset contextRef="c-2552" decimals="-6" id="f-6060" unitRef="eur">0</san:GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset>
    <san:GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset contextRef="c-2553" decimals="-6" id="f-6061" unitRef="eur">0</san:GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset>
    <san:GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset contextRef="c-2554" decimals="-6" id="f-6062" unitRef="eur">0</san:GainsLossesOnLiquidationNetDefinedBenefitLiabilityAsset>
    <ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset contextRef="c-2549" decimals="-6" id="f-6063" unitRef="eur">-144000000</ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset>
    <ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset contextRef="c-2550" decimals="-6" id="f-6064" unitRef="eur">-124000000</ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset>
    <ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset contextRef="c-2551" decimals="-6" id="f-6065" unitRef="eur">-89000000</ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset>
    <ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset contextRef="c-2552" decimals="-6" id="f-6066" unitRef="eur">-2000000</ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset>
    <ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset contextRef="c-2553" decimals="-6" id="f-6067" unitRef="eur">-2000000</ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset>
    <ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset contextRef="c-2554" decimals="-6" id="f-6068" unitRef="eur">-2000000</ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset>
    <ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset contextRef="c-2549" decimals="-6" id="f-6069" unitRef="eur">-7000000</ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset>
    <ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset contextRef="c-2550" decimals="-6" id="f-6070" unitRef="eur">58000000</ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset>
    <ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset contextRef="c-2551" decimals="-6" id="f-6071" unitRef="eur">409000000</ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset>
    <ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset contextRef="c-2552" decimals="-6" id="f-6072" unitRef="eur">0</ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset>
    <ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset contextRef="c-2553" decimals="-6" id="f-6073" unitRef="eur">0</ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset>
    <ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset contextRef="c-2554" decimals="-6" id="f-6074" unitRef="eur">0</ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset>
    <san:ActuarialGainsLossesDefinedBenefitLiabilityAsset contextRef="c-2549" decimals="-6" id="f-6075" unitRef="eur">-64000000</san:ActuarialGainsLossesDefinedBenefitLiabilityAsset>
    <san:ActuarialGainsLossesDefinedBenefitLiabilityAsset contextRef="c-2550" decimals="-6" id="f-6076" unitRef="eur">27000000</san:ActuarialGainsLossesDefinedBenefitLiabilityAsset>
    <san:ActuarialGainsLossesDefinedBenefitLiabilityAsset contextRef="c-2551" decimals="-6" id="f-6077" unitRef="eur">25000000</san:ActuarialGainsLossesDefinedBenefitLiabilityAsset>
    <san:ActuarialGainsLossesDefinedBenefitLiabilityAsset contextRef="c-2552" decimals="-6" id="f-6078" unitRef="eur">0</san:ActuarialGainsLossesDefinedBenefitLiabilityAsset>
    <san:ActuarialGainsLossesDefinedBenefitLiabilityAsset contextRef="c-2553" decimals="-6" id="f-6079" unitRef="eur">0</san:ActuarialGainsLossesDefinedBenefitLiabilityAsset>
    <san:ActuarialGainsLossesDefinedBenefitLiabilityAsset contextRef="c-2554" decimals="-6" id="f-6080" unitRef="eur">0</san:ActuarialGainsLossesDefinedBenefitLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset contextRef="c-2549" decimals="-6" id="f-6081" unitRef="eur">8000000</ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset contextRef="c-2550" decimals="-6" id="f-6082" unitRef="eur">5000000</ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset contextRef="c-2551" decimals="-6" id="f-6083" unitRef="eur">11000000</ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset contextRef="c-2552" decimals="-6" id="f-6084" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset contextRef="c-2553" decimals="-6" id="f-6085" unitRef="eur">0</ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset contextRef="c-2554" decimals="-6" id="f-6086" unitRef="eur">-1000000</ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2555" decimals="-6" id="f-6087" unitRef="eur">-1058000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2543" decimals="-6" id="f-6088" unitRef="eur">-1234000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2544" decimals="-6" id="f-6089" unitRef="eur">-1235000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2556" decimals="-6" id="f-6090" unitRef="eur">-3000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2546" decimals="-6" id="f-6091" unitRef="eur">-5000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2547" decimals="-6" id="f-6092" unitRef="eur">-7000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <san:DisclosureOfInsuranceContractsLinkedToPensionsTableTextBlock contextRef="c-1" id="f-6093">&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.720%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Insurance Contracts linked to pensions&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="2" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Post-employment&#160;plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other similar obligations&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Fair value of insurance contracts linked to pensions at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;81&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;93&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;104&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Incorporation of Group companies, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Expected return on insurance contracts linked to pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Benefits paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Paid premiums&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial gains/(losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value of insurance contracts linked to pensions at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;67&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;81&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;93&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</san:DisclosureOfInsuranceContractsLinkedToPensionsTableTextBlock>
    <san:InsuranceContractsLinkedToPensions contextRef="c-2518" decimals="-6" id="f-6094" unitRef="eur">81000000</san:InsuranceContractsLinkedToPensions>
    <san:InsuranceContractsLinkedToPensions contextRef="c-2519" decimals="-6" id="f-6095" unitRef="eur">93000000</san:InsuranceContractsLinkedToPensions>
    <san:InsuranceContractsLinkedToPensions contextRef="c-2557" decimals="-6" id="f-6096" unitRef="eur">104000000</san:InsuranceContractsLinkedToPensions>
    <san:InsuranceContractsLinkedToPensions contextRef="c-2521" decimals="-6" id="f-6097" unitRef="eur">0</san:InsuranceContractsLinkedToPensions>
    <san:InsuranceContractsLinkedToPensions contextRef="c-2522" decimals="-6" id="f-6098" unitRef="eur">0</san:InsuranceContractsLinkedToPensions>
    <san:InsuranceContractsLinkedToPensions contextRef="c-2558" decimals="-6" id="f-6099" unitRef="eur">0</san:InsuranceContractsLinkedToPensions>
    <san:InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet contextRef="c-2523" decimals="-6" id="f-6100" unitRef="eur">0</san:InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet>
    <san:InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet contextRef="c-2524" decimals="-6" id="f-6101" unitRef="eur">0</san:InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet>
    <san:InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet contextRef="c-2525" decimals="-6" id="f-6102" unitRef="eur">0</san:InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet>
    <san:InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet contextRef="c-2526" decimals="-6" id="f-6103" unitRef="eur">0</san:InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet>
    <san:InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet contextRef="c-2527" decimals="-6" id="f-6104" unitRef="eur">0</san:InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet>
    <san:InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet contextRef="c-2528" decimals="-6" id="f-6105" unitRef="eur">0</san:InsuranceContractsLinkedToPensionsAssetsFromIncorporationOfEntitiesNet>
    <san:ExpectedReturnOnInsuranceContractsLinkedToPensions contextRef="c-2523" decimals="-6" id="f-6106" unitRef="eur">3000000</san:ExpectedReturnOnInsuranceContractsLinkedToPensions>
    <san:ExpectedReturnOnInsuranceContractsLinkedToPensions contextRef="c-2524" decimals="-6" id="f-6107" unitRef="eur">3000000</san:ExpectedReturnOnInsuranceContractsLinkedToPensions>
    <san:ExpectedReturnOnInsuranceContractsLinkedToPensions contextRef="c-2525" decimals="-6" id="f-6108" unitRef="eur">4000000</san:ExpectedReturnOnInsuranceContractsLinkedToPensions>
    <san:ExpectedReturnOnInsuranceContractsLinkedToPensions contextRef="c-2526" decimals="-6" id="f-6109" unitRef="eur">0</san:ExpectedReturnOnInsuranceContractsLinkedToPensions>
    <san:ExpectedReturnOnInsuranceContractsLinkedToPensions contextRef="c-2527" decimals="-6" id="f-6110" unitRef="eur">0</san:ExpectedReturnOnInsuranceContractsLinkedToPensions>
    <san:ExpectedReturnOnInsuranceContractsLinkedToPensions contextRef="c-2528" decimals="-6" id="f-6111" unitRef="eur">0</san:ExpectedReturnOnInsuranceContractsLinkedToPensions>
    <san:InsuranceContractsLinkedToPensionsBenefitsPaid contextRef="c-2523" decimals="-6" id="f-6112" unitRef="eur">12000000</san:InsuranceContractsLinkedToPensionsBenefitsPaid>
    <san:InsuranceContractsLinkedToPensionsBenefitsPaid contextRef="c-2524" decimals="-6" id="f-6113" unitRef="eur">13000000</san:InsuranceContractsLinkedToPensionsBenefitsPaid>
    <san:InsuranceContractsLinkedToPensionsBenefitsPaid contextRef="c-2525" decimals="-6" id="f-6114" unitRef="eur">15000000</san:InsuranceContractsLinkedToPensionsBenefitsPaid>
    <san:InsuranceContractsLinkedToPensionsBenefitsPaid contextRef="c-2526" decimals="-6" id="f-6115" unitRef="eur">0</san:InsuranceContractsLinkedToPensionsBenefitsPaid>
    <san:InsuranceContractsLinkedToPensionsBenefitsPaid contextRef="c-2527" decimals="-6" id="f-6116" unitRef="eur">0</san:InsuranceContractsLinkedToPensionsBenefitsPaid>
    <san:InsuranceContractsLinkedToPensionsBenefitsPaid contextRef="c-2528" decimals="-6" id="f-6117" unitRef="eur">0</san:InsuranceContractsLinkedToPensionsBenefitsPaid>
    <san:InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid contextRef="c-2523" decimals="-6" id="f-6118" unitRef="eur">0</san:InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid>
    <san:InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid contextRef="c-2524" decimals="-6" id="f-6119" unitRef="eur">0</san:InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid>
    <san:InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid contextRef="c-2525" decimals="-6" id="f-6120" unitRef="eur">0</san:InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid>
    <san:InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid contextRef="c-2526" decimals="-6" id="f-6121" unitRef="eur">0</san:InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid>
    <san:InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid contextRef="c-2527" decimals="-6" id="f-6122" unitRef="eur">0</san:InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid>
    <san:InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid contextRef="c-2528" decimals="-6" id="f-6123" unitRef="eur">0</san:InsuranceContractsLinkedToPensionsIncreaseDueToPremiumsPaid>
    <san:InsuranceContractsLinkedToPensionsActuarialGainsLosses contextRef="c-2523" decimals="-6" id="f-6124" unitRef="eur">-5000000</san:InsuranceContractsLinkedToPensionsActuarialGainsLosses>
    <san:InsuranceContractsLinkedToPensionsActuarialGainsLosses contextRef="c-2524" decimals="-6" id="f-6125" unitRef="eur">-2000000</san:InsuranceContractsLinkedToPensionsActuarialGainsLosses>
    <san:InsuranceContractsLinkedToPensionsActuarialGainsLosses contextRef="c-2525" decimals="-6" id="f-6126" unitRef="eur">0</san:InsuranceContractsLinkedToPensionsActuarialGainsLosses>
    <san:InsuranceContractsLinkedToPensionsActuarialGainsLosses contextRef="c-2526" decimals="-6" id="f-6127" unitRef="eur">0</san:InsuranceContractsLinkedToPensionsActuarialGainsLosses>
    <san:InsuranceContractsLinkedToPensionsActuarialGainsLosses contextRef="c-2527" decimals="-6" id="f-6128" unitRef="eur">0</san:InsuranceContractsLinkedToPensionsActuarialGainsLosses>
    <san:InsuranceContractsLinkedToPensionsActuarialGainsLosses contextRef="c-2528" decimals="-6" id="f-6129" unitRef="eur">0</san:InsuranceContractsLinkedToPensionsActuarialGainsLosses>
    <san:InsuranceContractsLinkedToPensions contextRef="c-2517" decimals="-6" id="f-6130" unitRef="eur">67000000</san:InsuranceContractsLinkedToPensions>
    <san:InsuranceContractsLinkedToPensions contextRef="c-2518" decimals="-6" id="f-6131" unitRef="eur">81000000</san:InsuranceContractsLinkedToPensions>
    <san:InsuranceContractsLinkedToPensions contextRef="c-2519" decimals="-6" id="f-6132" unitRef="eur">93000000</san:InsuranceContractsLinkedToPensions>
    <san:InsuranceContractsLinkedToPensions contextRef="c-2520" decimals="-6" id="f-6133" unitRef="eur">0</san:InsuranceContractsLinkedToPensions>
    <san:InsuranceContractsLinkedToPensions contextRef="c-2521" decimals="-6" id="f-6134" unitRef="eur">0</san:InsuranceContractsLinkedToPensions>
    <san:InsuranceContractsLinkedToPensions contextRef="c-2522" decimals="-6" id="f-6135" unitRef="eur">0</san:InsuranceContractsLinkedToPensions>
    <san:DisclosureOfBenefitsMaturityScheduleTableTextBlock contextRef="c-1" id="f-6136">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table shows the estimated benefits payable at 31 December 2025 for the next ten&#160;years:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:86.554%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.246%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;461&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;391&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;331&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;274&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2030&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;223&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2031 to 2035&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;672&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table shows the estimated benefits payable at 31 December 2025 for the next ten&#160;years:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:86.554%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.246%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;503&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;527&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2030&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;545&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2031 to 2035&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table shows the estimated benefits payable at 31 December 2025 for the next ten&#160;years:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:12pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:86.554%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.246%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;746&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;736&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;740&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;744&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2030&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;747&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2031 to 2035&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,790&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfBenefitsMaturityScheduleTableTextBlock>
    <san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans contextRef="c-2559" decimals="-6" id="f-6137" unitRef="eur">461000000</san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans>
    <san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans contextRef="c-2560" decimals="-6" id="f-6138" unitRef="eur">391000000</san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans>
    <san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans contextRef="c-2561" decimals="-6" id="f-6139" unitRef="eur">331000000</san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans>
    <san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans contextRef="c-2562" decimals="-6" id="f-6140" unitRef="eur">274000000</san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans>
    <san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans contextRef="c-2563" decimals="-6" id="f-6141" unitRef="eur">223000000</san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans>
    <san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans contextRef="c-2564" decimals="-6" id="f-6142" unitRef="eur">672000000</san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans>
    <ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans contextRef="c-2565" decimals="-6" id="f-6143" unitRef="eur">92000000</ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans>
    <ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans contextRef="c-2566" decimals="-6" id="f-6144" unitRef="eur">98000000</ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans>
    <ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans contextRef="c-2567" decimals="-6" id="f-6145" unitRef="eur">87000000</ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans>
    <ifrs-full:ActuarialAssumptionOfDiscountRates
      contextRef="c-2568"
      decimals="4"
      id="f-6146"
      unitRef="number">0.0558</ifrs-full:ActuarialAssumptionOfDiscountRates>
    <ifrs-full:ActuarialAssumptionOfDiscountRates
      contextRef="c-2569"
      decimals="4"
      id="f-6147"
      unitRef="number">0.0554</ifrs-full:ActuarialAssumptionOfDiscountRates>
    <ifrs-full:ActuarialAssumptionOfDiscountRates
      contextRef="c-2570"
      decimals="4"
      id="f-6148"
      unitRef="number">0.0463</ifrs-full:ActuarialAssumptionOfDiscountRates>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfInflation
      contextRef="c-2568"
      decimals="4"
      id="f-6149"
      unitRef="number">0.029</ifrs-full:ActuarialAssumptionOfExpectedRatesOfInflation>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfInflation
      contextRef="c-2569"
      decimals="4"
      id="f-6150"
      unitRef="number">0.0311</ifrs-full:ActuarialAssumptionOfExpectedRatesOfInflation>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfInflation
      contextRef="c-2570"
      decimals="4"
      id="f-6151"
      unitRef="number">0.0302</ifrs-full:ActuarialAssumptionOfExpectedRatesOfInflation>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases
      contextRef="c-2568"
      decimals="4"
      id="f-6152"
      unitRef="number">0.0100</ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases
      contextRef="c-2569"
      decimals="4"
      id="f-6153"
      unitRef="number">0.0100</ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases
      contextRef="c-2570"
      decimals="4"
      id="f-6154"
      unitRef="number">0.0100</ifrs-full:ActuarialAssumptionOfExpectedRatesOfSalaryIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases
      contextRef="c-2568"
      decimals="4"
      id="f-6155"
      unitRef="number">0.0278</ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases
      contextRef="c-2569"
      decimals="4"
      id="f-6156"
      unitRef="number">0.0304</ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases
      contextRef="c-2570"
      decimals="4"
      id="f-6157"
      unitRef="number">0.0296</ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases>
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    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2581" decimals="-6" id="f-6264" unitRef="eur">-10208000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <san:DisclosureOfMainCategoriesOfDefinedBenefitPlanAssetsTableTextBlock contextRef="c-1" id="f-6265">&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The main categories of plan assets as a&#160;percentage of total plan assets are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.628%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.247%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;67&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Properties&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The main categories of plan assets as a&#160;percentage of total plan assets are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.025%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;79&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;79%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;83%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Properties&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfMainCategoriesOfDefinedBenefitPlanAssetsTableTextBlock>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2587"
      decimals="2"
      id="f-6266"
      unitRef="number">0</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2588"
      decimals="2"
      id="f-6267"
      unitRef="number">0</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2589"
      decimals="2"
      id="f-6268"
      unitRef="number">0</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2590"
      decimals="2"
      id="f-6269"
      unitRef="number">0.67</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2591"
      decimals="2"
      id="f-6270"
      unitRef="number">0.66</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2592"
      decimals="2"
      id="f-6271"
      unitRef="number">0.62</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2593"
      decimals="2"
      id="f-6272"
      unitRef="number">0.11</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2594"
      decimals="2"
      id="f-6273"
      unitRef="number">0.14</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2595"
      decimals="2"
      id="f-6274"
      unitRef="number">0.12</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2596"
      decimals="2"
      id="f-6275"
      unitRef="number">0.22</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2597"
      decimals="2"
      id="f-6276"
      unitRef="number">0.20</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2598"
      decimals="2"
      id="f-6277"
      unitRef="number">0.26</san:PlanAssetsAllocationPercentage>
    <san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans contextRef="c-2599" decimals="-6" id="f-6278" unitRef="eur">576000000</san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans>
    <san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans contextRef="c-2600" decimals="-6" id="f-6279" unitRef="eur">485000000</san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans>
    <san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans contextRef="c-2601" decimals="-6" id="f-6280" unitRef="eur">503000000</san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans>
    <san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans contextRef="c-2602" decimals="-6" id="f-6281" unitRef="eur">527000000</san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans>
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    <ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset contextRef="c-2625" decimals="-6" id="f-6402" unitRef="eur">-752000000</ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset>
    <ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset contextRef="c-2626" decimals="-6" id="f-6403" unitRef="eur">-1022000000</ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset>
    <ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset contextRef="c-2627" decimals="-6" id="f-6404" unitRef="eur">-644000000</ifrs-full:PaymentsFromPlanNetDefinedBenefitLiabilityAsset>
    <ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset contextRef="c-2625" decimals="-6" id="f-6405" unitRef="eur">134000000</ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset>
    <ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset contextRef="c-2626" decimals="-6" id="f-6406" unitRef="eur">477000000</ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset>
    <ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset contextRef="c-2627" decimals="-6" id="f-6407" unitRef="eur">124000000</ifrs-full:ContributionsToPlanNetDefinedBenefitLiabilityAsset>
    <san:ActuarialGainsLossesDefinedBenefitLiabilityAsset contextRef="c-2625" decimals="-6" id="f-6408" unitRef="eur">-201000000</san:ActuarialGainsLossesDefinedBenefitLiabilityAsset>
    <san:ActuarialGainsLossesDefinedBenefitLiabilityAsset contextRef="c-2626" decimals="-6" id="f-6409" unitRef="eur">-304000000</san:ActuarialGainsLossesDefinedBenefitLiabilityAsset>
    <san:ActuarialGainsLossesDefinedBenefitLiabilityAsset contextRef="c-2627" decimals="-6" id="f-6410" unitRef="eur">110000000</san:ActuarialGainsLossesDefinedBenefitLiabilityAsset>
    <ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset contextRef="c-2625" decimals="-6" id="f-6411" unitRef="eur">-1000000</ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset>
    <ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset contextRef="c-2626" decimals="-6" id="f-6412" unitRef="eur">0</ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset>
    <ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset contextRef="c-2627" decimals="-6" id="f-6413" unitRef="eur">0</ifrs-full:PaymentsInRespectOfSettlementsNetDefinedBenefitLiabilityAsset>
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    <ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset contextRef="c-2626" decimals="-6" id="f-6415" unitRef="eur">987000000</ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset>
    <ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset contextRef="c-2627" decimals="-6" id="f-6416" unitRef="eur">-304000000</ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2628" decimals="-6" id="f-6417" unitRef="eur">-6284000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2622" decimals="-6" id="f-6418" unitRef="eur">-6502000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <ifrs-full:LiabilityAssetOfDefinedBenefitPlans contextRef="c-2623" decimals="-6" id="f-6419" unitRef="eur">-7787000000</ifrs-full:LiabilityAssetOfDefinedBenefitPlans>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2629"
      decimals="2"
      id="f-6420"
      unitRef="number">0.14</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2630"
      decimals="2"
      id="f-6421"
      unitRef="number">0.13</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2631"
      decimals="2"
      id="f-6422"
      unitRef="number">0.11</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2632"
      decimals="2"
      id="f-6423"
      unitRef="number">0.79</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2633"
      decimals="2"
      id="f-6424"
      unitRef="number">0.79</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2634"
      decimals="2"
      id="f-6425"
      unitRef="number">0.83</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2635"
      decimals="2"
      id="f-6426"
      unitRef="number">0.01</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2636"
      decimals="2"
      id="f-6427"
      unitRef="number">0.01</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2637"
      decimals="2"
      id="f-6428"
      unitRef="number">0.01</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2638"
      decimals="2"
      id="f-6429"
      unitRef="number">0.06</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2639"
      decimals="2"
      id="f-6430"
      unitRef="number">0.07</san:PlanAssetsAllocationPercentage>
    <san:PlanAssetsAllocationPercentage
      contextRef="c-2640"
      decimals="2"
      id="f-6431"
      unitRef="number">0.05</san:PlanAssetsAllocationPercentage>
    <san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans contextRef="c-2641" decimals="-6" id="f-6432" unitRef="eur">746000000</san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans>
    <san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans contextRef="c-2642" decimals="-6" id="f-6433" unitRef="eur">736000000</san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans>
    <san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans contextRef="c-2643" decimals="-6" id="f-6434" unitRef="eur">740000000</san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans>
    <san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans contextRef="c-2644" decimals="-6" id="f-6435" unitRef="eur">744000000</san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans>
    <san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans contextRef="c-2645" decimals="-6" id="f-6436" unitRef="eur">747000000</san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans>
    <san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans contextRef="c-2646" decimals="-6" id="f-6437" unitRef="eur">3790000000</san:EstimatedFutureBenefitPayableFromDefinedBenefitPlans>
    <ifrs-full:DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory contextRef="c-1" id="f-6438">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by geographical area, of Provisions for taxes and other legal contingencies and Other provisions is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Recognised by Spanish companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,924&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,921&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Recognised by other EU companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;694&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;433&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Recognised by other companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,650&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,433&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,280&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,530&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,445&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;United Kingdom &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;736&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;654&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;373&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt 0 12.25pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,993&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,051&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,634&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Of which GBP 461&#160;million (EUR 528.1&#160;million) correspond to the Financial Conduct Authority (FCA) review of the Vehicle Finance Market as detailed in note 25.e.ii.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The types of provision were determined by grouping together items of a similar nature:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions for taxes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;720&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;727&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;745&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions for employment-related proceedings (Brazil)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;458&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;611&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions for other legal proceedings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,675&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,532&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provision for customer remediation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;826&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;454&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provision for restructuring&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;279&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;589&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;596&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;899&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;744&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;869&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,993&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,051&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,634&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory>
    <ifrs-full:Provisions contextRef="c-2647" decimals="-6" id="f-6439" unitRef="eur">2033000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2648" decimals="-6" id="f-6440" unitRef="eur">1924000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2649" decimals="-6" id="f-6441" unitRef="eur">1921000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2650" decimals="-6" id="f-6442" unitRef="eur">310000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2651" decimals="-6" id="f-6443" unitRef="eur">694000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2652" decimals="-6" id="f-6444" unitRef="eur">433000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2653" decimals="-6" id="f-6445" unitRef="eur">2650000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2654" decimals="-6" id="f-6446" unitRef="eur">2433000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2655" decimals="-6" id="f-6447" unitRef="eur">2280000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2656" decimals="-6" id="f-6448" unitRef="eur">1530000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2657" decimals="-6" id="f-6449" unitRef="eur">1445000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2658" decimals="-6" id="f-6450" unitRef="eur">1618000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2659" decimals="-6" id="f-6451" unitRef="eur">736000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2660" decimals="-6" id="f-6452" unitRef="eur">654000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2661" decimals="-6" id="f-6453" unitRef="eur">373000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2471" decimals="-6" id="f-6454" unitRef="eur">4993000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2466" decimals="-6" id="f-6455" unitRef="eur">5051000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2472" decimals="-6" id="f-6456" unitRef="eur">4634000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2662" decimals="-6" id="f-6457" unitRef="gbp">461000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2662" decimals="-5" id="f-6458" unitRef="eur">528100000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2663" decimals="-6" id="f-6459" unitRef="eur">720000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2664" decimals="-6" id="f-6460" unitRef="eur">727000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2665" decimals="-6" id="f-6461" unitRef="eur">745000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2666" decimals="-6" id="f-6462" unitRef="eur">594000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2667" decimals="-6" id="f-6463" unitRef="eur">458000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2668" decimals="-6" id="f-6464" unitRef="eur">611000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2669" decimals="-6" id="f-6465" unitRef="eur">1675000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2670" decimals="-6" id="f-6466" unitRef="eur">1532000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2671" decimals="-6" id="f-6467" unitRef="eur">1359000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2672" decimals="-6" id="f-6468" unitRef="eur">826000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2673" decimals="-6" id="f-6469" unitRef="eur">1001000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2674" decimals="-6" id="f-6470" unitRef="eur">454000000</ifrs-full:Provisions>
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    <ifrs-full:Provisions contextRef="c-2676" decimals="-6" id="f-6472" unitRef="eur">589000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2677" decimals="-6" id="f-6473" unitRef="eur">596000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2678" decimals="-6" id="f-6474" unitRef="eur">899000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2679" decimals="-6" id="f-6475" unitRef="eur">744000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2680" decimals="-6" id="f-6476" unitRef="eur">869000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2471" decimals="-6" id="f-6477" unitRef="eur">4993000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2466" decimals="-6" id="f-6478" unitRef="eur">5051000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2472" decimals="-6" id="f-6479" unitRef="eur">4634000000</ifrs-full:Provisions>
    <ifrs-full:AdditionalProvisionsOtherProvisions contextRef="c-2681" decimals="-6" id="f-6480" unitRef="eur">524000000</ifrs-full:AdditionalProvisionsOtherProvisions>
    <ifrs-full:AdditionalProvisionsOtherProvisions contextRef="c-2682" decimals="-6" id="f-6481" unitRef="eur">185000000</ifrs-full:AdditionalProvisionsOtherProvisions>
    <ifrs-full:ProvisionUsedOtherProvisions contextRef="c-2681" decimals="-6" id="f-6482" unitRef="eur">384000000</ifrs-full:ProvisionUsedOtherProvisions>
    <ifrs-full:ProvisionUsedOtherProvisions contextRef="c-2682" decimals="-6" id="f-6483" unitRef="eur">159000000</ifrs-full:ProvisionUsedOtherProvisions>
    <san:NumberOfUnfavorablyCasesRuledByFederalSupremeCourt
      contextRef="c-2683"
      decimals="INF"
      id="f-6484"
      unitRef="case">2</san:NumberOfUnfavorablyCasesRuledByFederalSupremeCourt>
    <ifrs-full:Provisions contextRef="c-2684" decimals="-6" id="f-6485" unitRef="eur">0</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2685" decimals="-6" id="f-6486" unitRef="eur">0</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2686" decimals="-6" id="f-6487" unitRef="eur">0</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2687" decimals="-6" id="f-6488" unitRef="eur">0</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2688" decimals="-6" id="f-6489" unitRef="eur">0</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2689" decimals="-6" id="f-6490" unitRef="eur">0</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2690" decimals="-6" id="f-6491" unitRef="eur">0</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2691" decimals="-6" id="f-6492" unitRef="eur">0</ifrs-full:Provisions>
    <san:LegalProceedingsProvisionProbableLossFullyProvisioned contextRef="c-2692" decimals="-6" id="f-6493" unitRef="eur">553000000</san:LegalProceedingsProvisionProbableLossFullyProvisioned>
    <ifrs-full:EstimatedFinancialEffectOfContingentLiabilities contextRef="c-2693" decimals="-6" id="f-6494" unitRef="eur">5040000000</ifrs-full:EstimatedFinancialEffectOfContingentLiabilities>
    <ifrs-full:Provisions contextRef="c-2694" decimals="-5" id="f-6495" unitRef="gbp">515000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2695" decimals="-5" id="f-6496" unitRef="gbp">162000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2696" decimals="-5" id="f-6497" unitRef="gbp">293000000.0</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2696" decimals="-5" id="f-6498" unitRef="eur">353300000</ifrs-full:Provisions>
    <ifrs-full:IncreaseDecreaseInExistingProvisionsOtherProvisions contextRef="c-2697" decimals="-6" id="f-6499" unitRef="gbp">183000000</ifrs-full:IncreaseDecreaseInExistingProvisionsOtherProvisions>
    <ifrs-full:IncreaseDecreaseInExistingProvisionsOtherProvisions contextRef="c-2697" decimals="-5" id="f-6500" unitRef="eur">213600000</ifrs-full:IncreaseDecreaseInExistingProvisionsOtherProvisions>
    <ifrs-full:Provisions contextRef="c-2662" decimals="-6" id="f-6501" unitRef="gbp">461000000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2662" decimals="-5" id="f-6502" unitRef="eur">528100000</ifrs-full:Provisions>
    <san:ArbitrationMatterAmountClaimedByEntity contextRef="c-2698" decimals="-6" id="f-6503" unitRef="eur">66000000</san:ArbitrationMatterAmountClaimedByEntity>
    <san:ArbitrationMatterAmountClaimedByCounterparty contextRef="c-2698" decimals="-6" id="f-6504" unitRef="eur">57000000</san:ArbitrationMatterAmountClaimedByCounterparty>
    <san:ArbitrationMatterAmountToBeReceivedByEntity contextRef="c-2699" decimals="-6" id="f-6505" unitRef="eur">66000000</san:ArbitrationMatterAmountToBeReceivedByEntity>
    <san:ArbitrationMatterAmountToBeReceivedByEntityInterest contextRef="c-2699" decimals="-6" id="f-6506" unitRef="eur">11000000</san:ArbitrationMatterAmountToBeReceivedByEntityInterest>
    <san:PeriodOfSuspensionOfEconomicPlanProcesses contextRef="c-2700" id="f-6507">P5Y</san:PeriodOfSuspensionOfEconomicPlanProcesses>
    <ifrs-full:Provisions contextRef="c-2701" decimals="-5" id="f-6508" unitRef="eur">155300000</ifrs-full:Provisions>
    <ifrs-full:EstimatedFinancialEffectOfContingentLiabilities contextRef="c-2702" decimals="-4" id="f-6509" unitRef="eur">2277650000</ifrs-full:EstimatedFinancialEffectOfContingentLiabilities>
    <san:OtherEquityInstrumentsExpectedCost contextRef="c-2703" decimals="-6" id="f-6510" unitRef="eur">680000000</san:OtherEquityInstrumentsExpectedCost>
    <san:OtherEquityInstrumentsExpectedCostAllocatedToLoyaltyPrograms contextRef="c-2703" decimals="-6" id="f-6511" unitRef="eur">535000000</san:OtherEquityInstrumentsExpectedCostAllocatedToLoyaltyPrograms>
    <ifrs-full:Provisions contextRef="c-2704" decimals="-6" id="f-6512" unitRef="eur">0</ifrs-full:Provisions>
    <san:LitigationContingenciesCompensationSoughtInLitigation contextRef="c-2705" decimals="-6" id="f-6513" unitRef="eur">112000000</san:LitigationContingenciesCompensationSoughtInLitigation>
    <san:LitigationContingenciesCompensationSoughtInLitigation contextRef="c-2706" decimals="-5" id="f-6514" unitRef="eur">61900000</san:LitigationContingenciesCompensationSoughtInLitigation>
    <ifrs-full:LossesOnLitigationSettlements contextRef="c-2707" decimals="-5" id="f-6515" unitRef="eur">67800000</ifrs-full:LossesOnLitigationSettlements>
    <ifrs-full:LossesOnLitigationSettlements contextRef="c-2708" decimals="-5" id="f-6516" unitRef="eur">51400000</ifrs-full:LossesOnLitigationSettlements>
    <san:VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage
      contextRef="c-2709"
      decimals="3"
      id="f-6517"
      unitRef="number">0.333</san:VariableRemunerationDeferredPaymentLongTermMetricAchievementPercentage>
    <ifrs-full:Provisions contextRef="c-2710" decimals="-5" id="f-6518" unitRef="eur">35500000</ifrs-full:Provisions>
    <san:LitigationContingenciesDecreaseInLossesOnLitigationSettlements contextRef="c-2711" decimals="-6" id="f-6519" unitRef="eur">8000000</san:LitigationContingenciesDecreaseInLossesOnLitigationSettlements>
    <ifrs-full:GainsOnLitigationSettlements contextRef="c-2712" decimals="-5" id="f-6520" unitRef="eur">9600000</ifrs-full:GainsOnLitigationSettlements>
    <san:MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount contextRef="c-2713" decimals="-5" id="f-6521" unitRef="pln">5874300000</san:MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount>
    <san:MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount contextRef="c-2713" decimals="-5" id="f-6522" unitRef="eur">1391900000</san:MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount>
    <san:MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount contextRef="c-2713" decimals="-5" id="f-6523" unitRef="pln">3191700000</san:MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount>
    <san:MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount contextRef="c-2713" decimals="-5" id="f-6524" unitRef="eur">756300000</san:MortgageLoansDenominatedInIndexedToSwissFrancsAdjustmentToGrossCarryingAmount>
    <ifrs-full:Provisions contextRef="c-2714" decimals="-5" id="f-6525" unitRef="pln">2682600000</ifrs-full:Provisions>
    <ifrs-full:Provisions contextRef="c-2714" decimals="-5" id="f-6526" unitRef="eur">635600000</ifrs-full:Provisions>
    <san:IncreaseDecreaseInAdjustmentToGrossCarryingAmountMortgageLoans contextRef="c-2715" decimals="-5" id="f-6527" unitRef="pln">99700000</san:IncreaseDecreaseInAdjustmentToGrossCarryingAmountMortgageLoans>
    <san:IncreaseDecreaseInAdjustmentToGrossCarryingAmountMortgageLoans contextRef="c-2715" decimals="-5" id="f-6528" unitRef="eur">23600000</san:IncreaseDecreaseInAdjustmentToGrossCarryingAmountMortgageLoans>
    <ifrs-full:IncreaseDecreaseInExistingProvisionsOtherProvisions contextRef="c-2716" decimals="-5" id="f-6529" unitRef="pln">1245300000</ifrs-full:IncreaseDecreaseInExistingProvisionsOtherProvisions>
    <ifrs-full:IncreaseDecreaseInExistingProvisionsOtherProvisions contextRef="c-2716" decimals="-5" id="f-6530" unitRef="eur">293800000</ifrs-full:IncreaseDecreaseInExistingProvisionsOtherProvisions>
    <san:IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions contextRef="c-2715" decimals="-5" id="f-6531" unitRef="pln">730500000</san:IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions>
    <san:IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions contextRef="c-2715" decimals="-5" id="f-6532" unitRef="eur">172400000</san:IncreaseDecreaseThroughOtherCostsAssociatedOtherProvisions>
    <san:MortgageLoansDenominatedInIndexedToSwissFrancs contextRef="c-2717" decimals="-5" id="f-6533" unitRef="pln">2642000000</san:MortgageLoansDenominatedInIndexedToSwissFrancs>
    <san:MortgageLoansDenominatedInIndexedToSwissFrancs contextRef="c-2717" decimals="-5" id="f-6534" unitRef="eur">626000000.0</san:MortgageLoansDenominatedInIndexedToSwissFrancs>
    <san:MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount contextRef="c-2718" decimals="-5" id="f-6535" unitRef="pln">4766400000</san:MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount>
    <san:MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount contextRef="c-2718" decimals="-5" id="f-6536" unitRef="eur">1129400000</san:MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount>
    <san:MortgageLoansDenominatedInIndexedToSwissFrancs contextRef="c-2719" decimals="-5" id="f-6537" unitRef="pln">735900000</san:MortgageLoansDenominatedInIndexedToSwissFrancs>
    <san:MortgageLoansDenominatedInIndexedToSwissFrancs contextRef="c-2719" decimals="-5" id="f-6538" unitRef="eur">174400000</san:MortgageLoansDenominatedInIndexedToSwissFrancs>
    <san:MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount contextRef="c-2720" decimals="-5" id="f-6539" unitRef="pln">1107900000</san:MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount>
    <san:MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount contextRef="c-2720" decimals="-5" id="f-6540" unitRef="eur">262500000</san:MortgageLoansDenominatedInIndexedToSwissFrancsProvisionsAndAdjustmentToGrossCarryingAmount>
    <san:SaleOfProportionOfOwnershipInterestInSubsidiary
      contextRef="c-360"
      decimals="2"
      id="f-6541"
      unitRef="number">0.49</san:SaleOfProportionOfOwnershipInterestInSubsidiary>
    <san:LegalProceedingsNumberOfSonsInvolvedInTestamentaryTrust
      contextRef="c-2721"
      decimals="INF"
      id="f-6542"
      unitRef="child">4</san:LegalProceedingsNumberOfSonsInvolvedInTestamentaryTrust>
    <san:LegalProceedingsAmountOfSharesToBeTransferredByTrustee
      contextRef="c-2722"
      decimals="INF"
      id="f-6543"
      unitRef="shares">36700000</san:LegalProceedingsAmountOfSharesToBeTransferredByTrustee>
    <san:LegalProceedingsAmountOfSharesToBeTransferredByTrustee
      contextRef="c-2722"
      decimals="INF"
      id="f-6544"
      unitRef="shares">36700000</san:LegalProceedingsAmountOfSharesToBeTransferredByTrustee>
    <san:PercentageOfPublicNotaryExpensesAndAgencyExpensesToBePaid
      contextRef="c-2723"
      decimals="2"
      id="f-6545"
      unitRef="number">0.50</san:PercentageOfPublicNotaryExpensesAndAgencyExpensesToBePaid>
    <san:PercentageOfTheRegistryExpensesToBePaid
      contextRef="c-2723"
      decimals="2"
      id="f-6546"
      unitRef="number">1</san:PercentageOfTheRegistryExpensesToBePaid>
    <san:NumberOfJudgmentsRendered
      contextRef="c-2724"
      decimals="INF"
      id="f-6547"
      unitRef="judgement">2</san:NumberOfJudgmentsRendered>
    <san:NumberOfJudgmentsRendered
      contextRef="c-2725"
      decimals="INF"
      id="f-6548"
      unitRef="judgement">2</san:NumberOfJudgmentsRendered>
    <ifrs-full:DisclosureOfOtherLiabilitiesExplanatory contextRef="c-1" id="f-6549">Other liabilities&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Other liabilities in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:59.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.173%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transactions in transit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;707&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;767&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Accrued expenses and deferred income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,212&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,695&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,937&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,344&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,598&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfOtherLiabilitiesExplanatory>
    <san:ScheduleOfOtherLiabilitiesTableTextBlock contextRef="c-1" id="f-6550">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Other liabilities in the consolidated balance sheets is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:59.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.173%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Transactions in transit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;707&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;767&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Accrued expenses and deferred income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,212&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,695&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,937&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,344&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,598&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:ScheduleOfOtherLiabilitiesTableTextBlock>
    <ifrs-full:OtherPayables contextRef="c-2" decimals="-6" id="f-6551" unitRef="eur">707000000</ifrs-full:OtherPayables>
    <ifrs-full:OtherPayables contextRef="c-3" decimals="-6" id="f-6552" unitRef="eur">910000000</ifrs-full:OtherPayables>
    <ifrs-full:OtherPayables contextRef="c-4" decimals="-6" id="f-6553" unitRef="eur">767000000</ifrs-full:OtherPayables>
    <san:AccruedExpensesAndDeferredIncome contextRef="c-2" decimals="-6" id="f-6554" unitRef="eur">9018000000</san:AccruedExpensesAndDeferredIncome>
    <san:AccruedExpensesAndDeferredIncome contextRef="c-3" decimals="-6" id="f-6555" unitRef="eur">9003000000</san:AccruedExpensesAndDeferredIncome>
    <san:AccruedExpensesAndDeferredIncome contextRef="c-4" decimals="-6" id="f-6556" unitRef="eur">9136000000</san:AccruedExpensesAndDeferredIncome>
    <san:OtherMiscellaneousLiabilities contextRef="c-2" decimals="-6" id="f-6557" unitRef="eur">6212000000</san:OtherMiscellaneousLiabilities>
    <san:OtherMiscellaneousLiabilities contextRef="c-3" decimals="-6" id="f-6558" unitRef="eur">6431000000</san:OtherMiscellaneousLiabilities>
    <san:OtherMiscellaneousLiabilities contextRef="c-4" decimals="-6" id="f-6559" unitRef="eur">7695000000</san:OtherMiscellaneousLiabilities>
    <ifrs-full:OtherLiabilities contextRef="c-2" decimals="-6" id="f-6560" unitRef="eur">15937000000</ifrs-full:OtherLiabilities>
    <ifrs-full:OtherLiabilities contextRef="c-3" decimals="-6" id="f-6561" unitRef="eur">16344000000</ifrs-full:OtherLiabilities>
    <ifrs-full:OtherLiabilities contextRef="c-4" decimals="-6" id="f-6562" unitRef="eur">17598000000</ifrs-full:OtherLiabilities>
    <ifrs-full:DisclosureOfIncomeTaxExplanatory contextRef="c-1" id="f-6563">Tax matters&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="ia13527740d5a4db5b27663e9d64a85bf"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:120%"&gt;a) Consolidated Tax Group&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;According to current Spanish regulation, the Tax Consolidated Group includes Banco Santander, S.A. as the parent company and, as subsidiaries, those Spanish subsidiaries that meet the requirements established by the regulations on the taxation of consolidated groups.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The other Group companies file income tax returns in accordance with the tax regulations applicable to them.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="if90a294256b1431dbbeb0da8e9af92dd"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%"&gt;b) Years open for review by the tax authorities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In relation to the partial scope tax audit of Corporate Income Tax for fiscal year 2020 and Value Added Tax for fiscal years 2020 to 2022, initiated in April 2024, in December 2025 the Spanish tax authorities issued a Corporate Income Tax assessment, which has been appealed before the Central Economic-Administrative Court, and the VAT assessments were still pending at the close of the financial year. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The main appeals filed against assessments issued in prior audits remain pending before the Central Economic-Administrative Court (Corporate Income Tax and Value Added Tax for fiscal years 2017 to 2019) and before the National Appellate Court (Corporate Income Tax for fiscal years 2003 to 2015). Banco Santander, S.A., as the parent company of the Tax Consolidated Group, considers, based on the advice of its external legal counsel, that the adjustments made should not have a significant impact on the consolidated annual accounts, as there are strong arguments for defense in the appeals filed against these assessments. Consequently, no provision has been recognized in this respect. Furthermore, it should be noted that, in those cases where it was considered appropriate, the available mechanisms have been used to avoid international double taxation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At the date of approval of these consolidated annual accounts, subsequent years up to and including 2025, are subject to review.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The other entities have the corresponding years open for review, pursuant to their respective tax regulations.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Due to possible different interpretations which can be made of the tax regulations, the outcome of the tax audits of the rest of years subject to review might give rise to contingent tax liabilities which cannot be objectively quantified. However, the Group&#x2019;s tax advisers consider that it is unlikely that such tax liabilities will materialize, and that in any event the tax charge arising therefrom would not materially affect the Group&#x2019;s consolidated financial statements.&lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div id="i6fd1dd5c1fb542c1b16bf0ed6ef93e27_1015"&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span id="i26613c9677a14534a8270b0d6e89e2b6"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;c) Reconciliation&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The reconciliation of the income tax expense calculated at the tax rate applicable in Spain (30%) to the income tax expense recognised and the detail of the effective tax rate are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.643%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Consolidated profit (loss) before tax:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,681&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,347&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,005&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,950&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,454&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,631&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,027&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,459&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Income tax at tax rate applicable in Spain (30%)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,189&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,708&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,938&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;By the effect of application of the various tax rates applicable in each country&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(103)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(100)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 29.34pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;264&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;United Kingdom&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(42)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(53)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;United States&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(60)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(36)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(33)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Poland&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(224)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(183)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(164)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Effect of profit or loss of associates and joint ventures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(207)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(213)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(184)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;USA electric vehicle leasing incentives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(203)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(258)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(259)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Global minimum tax Pillar Two&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Effect of reassessment of deferred taxes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(101)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Permanent differences&lt;br/&gt;and other &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(450)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(151)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(119)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Income tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,131&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,283&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,276&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Effective tax rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24.87%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27.77&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25.98&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 29.34pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,723&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,880&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Discontinued operations&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(Note 37)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;408&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;439&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Current taxes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,666&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,855&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Deferred taxes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(535)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,292)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Income tax (receipts)/payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,954&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,880&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,214&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Calculated by applying the difference between the tax rate applicable in Spain and the tax rate applicable in each jurisdiction to the profit or loss contributed to the Group by the entities which operate in each jurisdiction.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i0aa886292ebb45f495e193e815c05936"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;d) Tax recognised in equity&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition to the income tax recognised in the consolidated income statement, the Group recognised the following amounts in consolidated equity in 2025, 2024 and 2023:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.791%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Items not reclassified to profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;115&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;85&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;358&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial gains or (-) losses on defined benefit pension plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;63&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;172&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;302&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of equity instruments measured at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities at fair value with changes in results attributable to changes in credit risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(83)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Items that may be reclassified to profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(440)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;54&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(919)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(207)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(205)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(732)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of debt instruments through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(204)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;261&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(214)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedging instruments (items not designated)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-current assets held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other recognised income and expense of investments in subsidiaries, joint ventures and associates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(325)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;139&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(561)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i66a5b4c0da6f4a2389480e2125b425df"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;e) Deferred taxes&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;'Tax assets' in the consolidated balance sheets includes debit balances with the Public Treasury relating to deferred tax assets. 'Tax liabilities' includes the liability for the Group&#x2019;s various deferred tax liabilities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In accordance with EU Regulation 575/2013 on prudential requirements for credit institutions and investment firms (CRR), and subsequently amended by EU Regulation 2019/876 of the European Parliament and of the Council, those deferred tax assets that do not rely on future profitability arising from temporary differences (referred to hereinafter as 'monetizable deferred tax assets&#x2019;), meeting certain conditions, should not be deducted from regulatory capital and should not be risk-weighted at 250% according to the thresholds set out in Article 48 of the said Regulation, but shall apply a risk weight of 100% under Article 39.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of deferred tax assets, by classification as monetizable or non-monetizable assets, and of deferred tax liabilities at 31 December 2025, 2024 and 2023 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.468%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.887%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.783%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.176%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.783%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.176%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.783%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Monetizable&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Monetizable&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Monetizable&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,725&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,219&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,309&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,861&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,099&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,668&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax losses and tax credits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Temporary differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,725&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,865&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,309&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,494&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,099&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 5.5pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Non-deductible provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,970&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,965&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Valuation of financial instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,486&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Loan losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,471&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,341&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,880&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,577&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,429&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;423&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,851&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Valuation of tangible and intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;832&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;885&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Tax liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,904&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,276&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,086&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Temporary differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,904&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,086&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 5.5pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Valuation of financial instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,980&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,059&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Valuation of tangible and intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,714&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,797&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Investments in Group companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;427&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;403&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;378&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:112%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:112%;padding-left:0.46pt"&gt;In 2023, the Spanish Economic Administrative Court ruled that in 2017 the requirements for the conversion of part of the monetizable assets of Popular Group into a credit against the Tax Administration were met, allowing the conversion to EUR 995&#160;million. Banco Santander was refunded without impact on results. The favourable Economic Administrative Court decision was declared harmful to the public interests and challenged at the National Appellate Court by the Tax Administration. The estimation of this appeal, which is pending at the National Appellate Court,  would imply that Grupo Santander should repay the amount refunded and would, once again, credit these monetizable assets with no impact on results except for late payment interests. However, it is considered that there are strong defense arguments in relation to this appeal.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander only recognises deferred tax assets for temporary differences or tax loss and tax credit carryforwards where it is considered probable that consolidated entities that generated them will have sufficient future taxable profits against which they can be utilised.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The deferred tax assets and liabilities are reassessed at the reporting date in order to ascertain whether any adjustments need to be made on the basis of the findings of the analyses performed.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;These analyses take into consideration all evidence, both positive and negative, of the recoverability of such deferred tax assets, among which we can find, (i) the results generated by the different entities in previous years, (ii) the projections of results of each entity or fiscal group, (iii) the estimation of the reversal of the different temporary differences according to their nature and (iv) the period and limits established under the applicable legislation of each country for the recovery of the different deferred tax assets, thus concluding on the ability of each entity or fiscal group to recover the deferred tax assets registered.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The projections of results used in this analysis are based on the financial planning approved by both the local directions of the corresponding units and by the Group's directors. The Group's budget estimation process is common for all units. The Group's management prepares its financial planning based on the following key assumptions:&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;a)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.31pt"&gt;Microeconomic variables of the entities that make up the fiscal group in each location: the existing balance structure, the mix of products offered and the commercial strategy at each moment defined by local directions are taken into account, based on the competition, regulatory and market environment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;b)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.01pt"&gt;Macroeconomic variables: estimated growths are based on the evolution of the economic environment considering the expected evolution in the gross domestic product of each location, and the forecasts of interest rates, inflation and exchange rates fluctuations. These data are provided by the Group&#x2019;s Studies Service.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, the Group performs retrospective contrasts (backtesting) on the variables projected in the past. The differential behaviour of these variables with respect to the real market data is considered in the projections estimated in each fiscal year. Thus, and in relation to Spain, the deviations identified by the Directors in recent past years are due to a combination of exogenous factors, mainly the changing impact of the macroeconomic environment and competition, and management actions, such as the acceleration of restructuring plans, investment in digitalisation, and the optimisation of capital and shareholder returns.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Finally, and given the degree of uncertainty of these assumptions on the referred variables, the Group conducts a sensitivity analysis of the most significant assumptions considered in the deferred tax assets&#x2019; recoverability analysis, considering any reasonable change in the key assumptions on which the projections of results of each entity or fiscal group and the estimation of the reversal of the different temporary differences are based.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In relation to Spain, the sensitivity analysis has consisted of making reasonable changes to the key assumptions, including adjusting 50 basis points for growth (gross domestic product) and adjusting 50 basis points for inflation. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Relevant information is set forth below for the main countries which have recognised deferred tax assets:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="if142b00e448b431b8a9c014068ed5e1c"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;Spain&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The deferred tax assets recognised at the Consolidated Tax Group total EUR 7,183 million, of which EUR 5,069&#160;million were for monetizable temporary differences with the right to conversion into a credit against the tax administration as explained before, EUR 1,433&#160;million for other temporary differences and EUR 681&#160;million for tax losses and credits.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="i1fd813ebcb214787a9600f5c2281a9eb"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;Brazil&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The deferred tax&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; assets recognised in Brazil total EUR 7,465, of which EUR 5,606&#160;million were for monetizable temporary differences, EUR 1,150 for other temporary differences and EUR 709 for tax losses &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;and credits.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i4a9e18696013435e838194aee4c4af4e"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;Mexico&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%"&gt;The deferred tax assets recognized in Mexico total EUR 1,542, of which EUR 1,511 were for temporary differences and EUR 31 for tax losses and credits.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i405ed2d890bf4a1bb9300f668b1d6752"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;United States&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The deferred tax assets recognised in the United States total EUR 1,026, of which EUR 253 were for temporary differences and EUR 773 for tax losses and credits. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group estimates that the recognised deferred tax assets for temporary differences, tax losses and credits in the different jurisdictions could be recovered in a maximum period of 15 years.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in Tax assets&#160;- Deferred and Tax liabilities&#160;- Deferred in the last three&#160;years were as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.608%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 1 January 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(Charge)/Credit to income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Foreign currency balance translation differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(Charge)/Credit to asset and liability valuation adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Reclassification no-current asset held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Acquisition for the year (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Deferred tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,170&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,107&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(102)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(132)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,130)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,944&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax losses and tax credits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;82&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(107)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Temporary differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,025&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(132)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,130)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,590&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which monetizable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,309&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;455&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(39)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,725&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Deferred tax liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(6,276)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(572)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;108&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(232)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,064&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5,904)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Temporary differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6,276)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(572)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;108&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(232)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,064&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,904)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,894&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;535&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(364)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(66)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,040&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 1 January 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(Charge)/Credit to income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Foreign currency balance translation differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(Charge)/Credit to asset and liability valuation adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Acquisition for the year (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Deferred tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20,767&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;119&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,670)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,170&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax losses and tax credits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(139)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Temporary differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,374&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,531)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which monetizable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,099&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(937)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,309&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Deferred tax liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(6,086)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(547)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;142&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;215&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(6,276)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Temporary differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6,086)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(547)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;142&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6,276)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,681&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(428)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,528)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;174&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,894&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 1 January 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(Charge)/Credit to income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Foreign currency balance translation differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(Charge)/Credit to asset and liability valuation adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Acquisition for the year (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Deferred tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20,787&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;629&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(130)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(422)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(97)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20,767&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax losses and tax credits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,778&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;224&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Temporary differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,009&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;237&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(354)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(422)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(96)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,374&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which monetizable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,660&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,232&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(787)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,099&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Deferred tax liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(6,428)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;663&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(338)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(6,086)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Temporary differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6,428)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(338)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6,086)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,359&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,292&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(127)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(760)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(83)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,681&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%"&gt;Also, the Group did not recognise deferred &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:120%"&gt;tax assets amounting to approximately EUR 11,240&#160;million  of which EUR 6,420&#160;million relate to tax losses, EUR 3,430&#160;million to tax credits, and EUR 1,390&#160;million to other concepts.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="ic793f70263a0443cb47037278ae931ba"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%"&gt;f) Global Minimum Tax Pillar Two &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Global Minimum Tax Model Rules, known as Pillar Two and approved in 2021 by the OECD Inclusive Framework, require multinational groups with revenues exceeding EUR 750 million to be subject to a minimum tax rate of 15% on adjusted accounting profit, calculated on a jurisdiction-by-jurisdiction basis. The OECD has complemented these rules through the approval of administrative guidance and a document on transitional safe harbours applicable to fiscal years 2024 to 2026. In January 2026, the application of the transitional safe harbours was extended for an additional year, and new permanent safe harbours were approved with the aim of simplifying the application of the Model Rules and implementing the 'side-by-side agreement' reached in June 2025 within the G7, which will apply from 2026 to multinational groups with a U.S. parent company.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the European Union, in December 2022, the Council approved Directive (EU) 2022/2523 on ensuring a global minimum level of taxation for multinational enterprise groups and large scale domestic groups in the Union, setting 1 January 2024 as the entry-into-force date of the new minimum taxation. The Directive implements the OECD Inclusive Framework Pillar Two rules within the European Union, while also extending their application to large domestic groups.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In Spain, on 20 December 2024, Law 7/2024 was approved, establishing a Supplementary Tax to ensure a global minimum level of taxation for multinational groups and large domestic groups, effective as from 1 January 2024. This Law transposes Directive (EU) 2022/2523 and also establishes a domestic supplementary tax aligned with the Pillar Two rules. In April 2025, Royal Decree 252/2025 was published, approving the implementing regulations of the Law.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;With regard to other jurisdictions, the rules on the new global minimum tax are already in force in most of the main geographies in which the Group operates, with the exception of Mexico, Chile, and Argentina.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Pillar Two rules require calculating, in each jurisdiction in which the Group operates, the effective tax rate resulting from comparing income tax expense with accounting profit, both subject to certain adjustments. If, in a given jurisdiction, this rate is below 15%, Banco Santander, as the ultimate parent entity, must pay the difference to the Spanish tax authorities as a supplementary tax, unless a domestic supplementary tax aligned with the Pillar Two rules (a qualified domestic tax) has been approved in that jurisdiction, in which case the amount will be paid to the local tax authorities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Both Banco Santander, S.A., as the ultimate parent entity, and the subsidiaries resident in jurisdictions where a qualified domestic tax has been approved, have estimated the supplementary taxes accrued, taking into account the application of the transitional safe harbours in fiscal years 2024 and 2025.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;These safe harbours mean that the supplementary tax, whether at the level of the parent entity or in jurisdictions that have adopted a qualified domestic tax, is not payable provided that any of the &lt;/span&gt;&lt;span style="color:#000000;font-family:'Aptos',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;f&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;ollowing conditions are met: (i) the effective tax rate calculated based on country-by-country reporting data exceeds 15% in 2024 and 16% in 2025; (ii) the Group&#x2019;s presence in a jurisdiction is not significant if below EUR 10 million and profit before tax is below EUR 1 million; or (iii) profit before tax is lower than the amount resulting from the sum of tangible fixed assets and employee expenses adjusted by a certain percentage that varies annually.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This supplementary tax expense recognized by the Group has not been significant, as the effective tax rates calculated in accordance with the Pillar Two rules in most of the jurisdictions in which the Group operates are above 15%. Nevertheless, the new regulations require the provision of a large amount of information to the tax authorities in the jurisdictions where the Group is present, broken down on an entity-by-entity basis, which involves a significant administrative burden.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;text-align:justify"&gt;&lt;span id="iea97509ef1424cf792cf0322f7bedc09"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%"&gt;g) Tax reforms&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In 2025 and prior years, the following significant tax reforms were approved:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In Spain, in 2022, Law 38/2022 was approved, establishing a temporary levy payable by credit institutions and financial credit institutions in fiscal years 2023 and 2024. The levy amounted to 4.8% of the sum of net interest income and net fees and commissions from the activity carried out in Spain in the previous year. The payment obligation arose on the first day of each fiscal year. The expense recognized for this temporary levy amounted to EUR 224&#160;million in 2023 and EUR 334&#160;million in 2024. However, the tax authorities have audited both years and consider that an additional amount is payable due to differences in the criteria applied in determining the taxable base, which are currently being discussed by the Bank. Furthermore, the Law established, for 2023, a 50% limitation on the inclusion of individual tax losses in the taxable base of the Tax Consolidated Group, setting a 10-year period for the reversal of this positive adjustment.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 20 December 2024, Law 7/2024 was approved, which, among other tax measures, introduced a tax on the net interest margin and commissions earned in Spanish territory by certain financial institutions, with accrual on 1 January of fiscal years 2025, 2026 and 2027. The taxable base, with certain changes compared to that of the temporary levy, is now calculated on an individual basis for each financial institution, and the tax liability is determined in accordance with a progressive rate scale ranging from 1% to 7%, after applying certain deductions. On 24 December 2024, Royal Decree-Law 9/2024 was published in the Official State Gazette, amending certain technical aspects of the tax and postponing its accrual to 31 January of those fiscal years. This Royal Decree-Law was abolished on 22 January 2025 and, therefore, no expense was recognized for the new tax in respect of 2024 income in accordance with the legislation in force at that time (EUR 392&#160;million were paid during the year). In 2025, the expense corresponding to income accrued during the financial year, recognised as income tax, amounts to &#x20ac;353&#160;million and will be paid in 2026. The Group considers that both the temporary levy and the tax on net interest margin and fees and commissions are contrary to the Spanish and European Union constitutional and legal principles and has therefore disputed the corresponding self-assessments, requesting a refund of the amounts paid.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, the aforementioned Law 7/2024 once again establishes, for fiscal years 2024 and 2025, a 50% limitation on the inclusion of individual tax losses in the taxable base of the Tax Consolidated Group, setting a 10-year period for the reversal of this positive adjustment. Likewise, this Law reintroduces the limits provided for in Royal Decree-Law 3/2016&#x2014;which was declared unconstitutional by the Constitutional Court ruling of 18 January 2024&#x2014;on the utilization of monetizable deferred tax assets and the offsetting of tax losses (with the limit reduced from 70% to 25%), as well as on the application of deductions to avoid double taxation (50%), and also reinstates the mandatory reversal of impairments on shareholdings that were deductible in prior years by third parties, regardless of any recovery in the value of the investees.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In Brazil, Law 14,467 enacted in 2022 with effect from 2025, amends the rules on the tax deductibility of credit provisions in financial institutions, bringing those rules closer to the accounting recognition criterion. In 2024, Law 15,078 was published, allowing the recovery of the accumulated balance of provisions of nondeductible loans at the end of 2024 within a seven-year period (with the option to extend to ten years) from January 2026.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In 2025, several Legislative Decrees and decisions of the Federal Supreme Court were published concerning the Financial Transactions Tax (IOF), amending the applicable rules and setting new rates for its various categories: (i) IOF Credit (local loans to legal entities increased from 1.88% to a maximum of 3.37% per annum); (ii) IOF Insurance (a 5% rate was introduced on the excess of certain contributions to life insurance policies); and (iii) IOF Foreign Exchange (payments for the import of services and royalties paid abroad rose from 0.38% to 3.5%).&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In December 2023, Congress approved Constitutional Amendment 132/2023 on indirect taxation reform, initiating the legislative development process, which culminated in the enactment of Supplementary Laws 214/2025 in January 2025 and 227/2026 in January 2026. This reform replaces the various existing indirect taxes in Brazil, -applicable at the federal, regional and municipal levels-, with two taxes administered at federal level (contribution on goods and services and selective tax) and other administered at regional and municipal levels (tax on goods and services). The new system will be gradually implemented over a transitional period of 8 years (from 2026 to 2033). &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In 2024, Law No. 14.973/2024 partially extended, until 31 December 2027, an optional social contribution regime for employees applicable to certain sectors of activity, allowing such contributions to be calculated as a percentage of gross income (ranging from 1% to 4.5%, depending on the sector), rather than under the general regime, which applies a 20% rate to employee payroll.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In November 2025, Law No. 15.270 was published which, among other measures, introduced a 10% withholding tax on ordinary dividends paid abroad as from 1 January 2026.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In December 2025, Supplementary Law No. 224 was enacted, which, among other measures: (i) increased the withholding tax on Interest on equity (juros sobre o capital pr&#xf3;prio) from 15% to 17.5%; (ii) raised the CSLL rate applicable to non-bank financial institutions as from 1 April 2026 on a gradual basis: payment institutions to 12% in 2026 and 2027, and 15% as from 2028; and credit, financing and capitalisation companies to 17.5% in 2026 and 2027, and 20% as from 2028 (the rate for banks remains at 20% and for other financial institutions at 15%), and (iii) introduced an automatic 10% reduction in the amount of certain federal tax incentives as from 2026.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In Argentina, as from 23 December 2024, Tax for an Inclusive and Solidarity Argentina (PAIS), which imposed certain foreign currency purchasing operations in order to make payments abroad, has been eliminated. Likewise, General Resolution (AFIP) No. 5,554 repeals, with effect from 1 September 2024, the obligation to withhold VAT and income tax on electronic payments. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In Chile, Law 27,713 on Tax Compliance Obligations was published in October 2024, amending, among other instruments, the Tax Code, the Income Tax Law and the Value Added Tax Law. Additionally, in July 2024, Law No. 21,681 was published, which, among other measures, introduced a new Substitute Tax of Final Tax, allowing the distribution of taxable profits at a fixed rate of 12% until 31 January 2025, thereby reducing the fiscal cost of such distributions.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In Mexico, the Federal Revenue Law for Fiscal Year 2026 was published in November 2025, limiting the deductibility of contributions paid to the Institute for the Protection of Bank Savings (IPAB) to 25% of their amount and amending the tax treatment of loan loss provisions, bringing them into line with the regime applicable to other entities.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the United States, Law 119-21 ('One, Big, Beautiful Bill Act') was passed in July 2025, introducing significant regulatory changes. Notable among these are the repeal of tax credits linked to electric vehicles as from 1 October 2025 (while preserving those already generated), the elimination of the obligation to capitalise and amortise the costs of in-house software development (which will now be deductible), and the reintroduction of accelerated tax depreciation for investments in certain tangible assets.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In Portugal, a gradual reduction of the corporate income tax rate has been approved, falling from 20% in 2025 to 19% in 2026, 18% in 2027 and 17% in 2028 and subsequent years. Including the municipal surtax of up to 1.5% and the state surtax of up to 9%, this results in an aggregate combined rate of 30.50%, 29.50%, 28.50% and 27.50%, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In Poland, one of the most significant changes to the tax framework is the increase in the corporate income tax rate for banks, from 19% to 30% in 2026, followed by a reduction to 26% in 2027 and 23% in 2028 and subsequent years.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In Germany, the Tax Investment Programme to Strengthen Germany&#x2019;s Economic Base was passed in July. It provides for a gradual annual one-percentage-point reduction in the corporate income tax rate from 2028, falling from the current 15% to 10% by 2032. In Germany, the combined corporate income tax and municipal trade tax rate&#x2014;which also applies to business profits&#x2014;is currently 32.45% and will decrease to 27.18% by 2032.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span id="icc86d6abde6f48a7b323d558df08bc8f"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:115%"&gt;h) Other information &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In compliance with the disclosure requirement established in the listing rules&#160;instrument 2005 published by the UK Financial Conduct Authority, it is hereby stated that shareholders of the Bank resident in the United Kingdom will be entitled to a tax credit for taxes paid abroad in respect of withholdings that the Bank has to pay on the dividends to be paid to such shareholders if the total income of the dividend exceeds the amount of exempt dividends of GBP 500 for the year 2025/26 (GBP 500 for the year 2024/25). The shareholders of the Bank resident in the United Kingdom who hold their ownership interest in the Bank through Santander Nominee Service will be informed directly of the amount thus withheld and of any other data they may require to complete their tax returns in the United Kingdom. The other shareholders of the Bank resident in the United Kingdom should contact their bank or securities broker.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Banco Santander, S.A., is part of the Large Business Forum and has adhered since 2010 to the Code of Good Tax Practices in Spain. Also Santander UK is a member of the HMRC&#x2019;s (His Majesty's Revenue and Customs) Code of Practice on Taxation in the United Kingdom and Santander Portugal has adhered to the Code of Good Tax Practices in Portugal, actively participating in the cooperative compliance programs being developed by these Tax Administrations.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfIncomeTaxExplanatory>
    <san:ScheduleOfEffectiveIncomeTaxRateReconciliation1TableTextBlock contextRef="c-1" id="f-6564">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The reconciliation of the income tax expense calculated at the tax rate applicable in Spain (30%) to the income tax expense recognised and the detail of the effective tax rate are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.643%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Consolidated profit (loss) before tax:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,681&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,347&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,005&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,950&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,454&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,631&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,027&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,459&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Income tax at tax rate applicable in Spain (30%)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,189&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,708&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,938&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;By the effect of application of the various tax rates applicable in each country&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(103)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(100)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 29.34pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;264&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;United Kingdom&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(42)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(53)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;United States&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(60)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(36)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(33)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Poland&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(224)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(183)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(164)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Effect of profit or loss of associates and joint ventures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(207)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(213)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(184)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;USA electric vehicle leasing incentives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(203)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(258)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(259)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Global minimum tax Pillar Two&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Effect of reassessment of deferred taxes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(101)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Permanent differences&lt;br/&gt;and other &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(450)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(151)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(119)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Income tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,131&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,283&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,276&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Effective tax rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24.87%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27.77&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25.98&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 29.34pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,723&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,880&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Discontinued operations&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(Note 37)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;408&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;439&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Current taxes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,666&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,855&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Deferred taxes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(535)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,292)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Income tax (receipts)/payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,954&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,880&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,214&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Calculated by applying the difference between the tax rate applicable in Spain and the tax rate applicable in each jurisdiction to the profit or loss contributed to the Group by the entities which operate in each jurisdiction.&lt;/span&gt;&lt;/div&gt;</san:ScheduleOfEffectiveIncomeTaxRateReconciliation1TableTextBlock>
    <ifrs-full:ApplicableTaxRate
      contextRef="c-2726"
      decimals="2"
      id="f-6565"
      unitRef="number">0.30</ifrs-full:ApplicableTaxRate>
    <ifrs-full:ApplicableTaxRate
      contextRef="c-2727"
      decimals="2"
      id="f-6566"
      unitRef="number">0.30</ifrs-full:ApplicableTaxRate>
    <ifrs-full:ApplicableTaxRate
      contextRef="c-2728"
      decimals="2"
      id="f-6567"
      unitRef="number">0.30</ifrs-full:ApplicableTaxRate>
    <ifrs-full:ProfitLossBeforeTax contextRef="c-1" decimals="-6" id="f-6568" unitRef="eur">18681000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax contextRef="c-86" decimals="-6" id="f-6569" unitRef="eur">17347000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax contextRef="c-87" decimals="-6" id="f-6570" unitRef="eur">15005000000</ifrs-full:ProfitLossBeforeTax>
    <san:ProfitLossBeforeTaxFromDiscontinuedOperations contextRef="c-1" decimals="-6" id="f-6571" unitRef="eur">1950000000</san:ProfitLossBeforeTaxFromDiscontinuedOperations>
    <san:ProfitLossBeforeTaxFromDiscontinuedOperations contextRef="c-86" decimals="-6" id="f-6572" unitRef="eur">1680000000</san:ProfitLossBeforeTaxFromDiscontinuedOperations>
    <san:ProfitLossBeforeTaxFromDiscontinuedOperations contextRef="c-87" decimals="-6" id="f-6573" unitRef="eur">1454000000</san:ProfitLossBeforeTaxFromDiscontinuedOperations>
    <san:ProfitLossBeforeTaxIncludingDiscontinuedOperations contextRef="c-1" decimals="-6" id="f-6574" unitRef="eur">20631000000</san:ProfitLossBeforeTaxIncludingDiscontinuedOperations>
    <san:ProfitLossBeforeTaxIncludingDiscontinuedOperations contextRef="c-86" decimals="-6" id="f-6575" unitRef="eur">19027000000</san:ProfitLossBeforeTaxIncludingDiscontinuedOperations>
    <san:ProfitLossBeforeTaxIncludingDiscontinuedOperations contextRef="c-87" decimals="-6" id="f-6576" unitRef="eur">16459000000</san:ProfitLossBeforeTaxIncludingDiscontinuedOperations>
    <ifrs-full:ApplicableTaxRate
      contextRef="c-2728"
      decimals="2"
      id="f-6577"
      unitRef="number">0.30</ifrs-full:ApplicableTaxRate>
    <ifrs-full:ApplicableTaxRate
      contextRef="c-2726"
      decimals="2"
      id="f-6578"
      unitRef="number">0.30</ifrs-full:ApplicableTaxRate>
    <ifrs-full:ApplicableTaxRate
      contextRef="c-2727"
      decimals="2"
      id="f-6579"
      unitRef="number">0.30</ifrs-full:ApplicableTaxRate>
    <san:TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations contextRef="c-1" decimals="-6" id="f-6580" unitRef="eur">6189000000</san:TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations>
    <san:TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations contextRef="c-86" decimals="-6" id="f-6581" unitRef="eur">5708000000</san:TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations>
    <san:TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations contextRef="c-87" decimals="-6" id="f-6582" unitRef="eur">4938000000</san:TaxExpenseIncomeAtApplicableTaxRateIncludingDiscontinuedOperations>
    <ifrs-full:TaxEffectOfForeignTaxRates contextRef="c-1" decimals="-6" id="f-6583" unitRef="eur">-103000000</ifrs-full:TaxEffectOfForeignTaxRates>
    <ifrs-full:TaxEffectOfForeignTaxRates contextRef="c-86" decimals="-6" id="f-6584" unitRef="eur">115000000</ifrs-full:TaxEffectOfForeignTaxRates>
    <ifrs-full:TaxEffectOfForeignTaxRates contextRef="c-87" decimals="-6" id="f-6585" unitRef="eur">-100000000</ifrs-full:TaxEffectOfForeignTaxRates>
    <ifrs-full:TaxEffectOfForeignTaxRates contextRef="c-2729" decimals="-6" id="f-6586" unitRef="eur">264000000</ifrs-full:TaxEffectOfForeignTaxRates>
    <ifrs-full:TaxEffectOfForeignTaxRates contextRef="c-2730" decimals="-6" id="f-6587" unitRef="eur">413000000</ifrs-full:TaxEffectOfForeignTaxRates>
    <ifrs-full:TaxEffectOfForeignTaxRates contextRef="c-2731" decimals="-6" id="f-6588" unitRef="eur">198000000</ifrs-full:TaxEffectOfForeignTaxRates>
    <ifrs-full:TaxEffectOfForeignTaxRates contextRef="c-2565" decimals="-6" id="f-6589" unitRef="eur">-42000000</ifrs-full:TaxEffectOfForeignTaxRates>
    <ifrs-full:TaxEffectOfForeignTaxRates contextRef="c-2566" decimals="-6" id="f-6590" unitRef="eur">-53000000</ifrs-full:TaxEffectOfForeignTaxRates>
    <ifrs-full:TaxEffectOfForeignTaxRates contextRef="c-2567" decimals="-6" id="f-6591" unitRef="eur">-51000000</ifrs-full:TaxEffectOfForeignTaxRates>
    <ifrs-full:TaxEffectOfForeignTaxRates contextRef="c-2732" decimals="-6" id="f-6592" unitRef="eur">-60000000</ifrs-full:TaxEffectOfForeignTaxRates>
    <ifrs-full:TaxEffectOfForeignTaxRates contextRef="c-2733" decimals="-6" id="f-6593" unitRef="eur">-25000000</ifrs-full:TaxEffectOfForeignTaxRates>
    <ifrs-full:TaxEffectOfForeignTaxRates contextRef="c-2734" decimals="-6" id="f-6594" unitRef="eur">-28000000</ifrs-full:TaxEffectOfForeignTaxRates>
    <ifrs-full:TaxEffectOfForeignTaxRates contextRef="c-2735" decimals="-6" id="f-6595" unitRef="eur">-36000000</ifrs-full:TaxEffectOfForeignTaxRates>
    <ifrs-full:TaxEffectOfForeignTaxRates contextRef="c-2736" decimals="-6" id="f-6596" unitRef="eur">-33000000</ifrs-full:TaxEffectOfForeignTaxRates>
    <ifrs-full:TaxEffectOfForeignTaxRates contextRef="c-2737" decimals="-6" id="f-6597" unitRef="eur">-28000000</ifrs-full:TaxEffectOfForeignTaxRates>
    <ifrs-full:TaxEffectOfForeignTaxRates contextRef="c-2738" decimals="-6" id="f-6598" unitRef="eur">-224000000</ifrs-full:TaxEffectOfForeignTaxRates>
    <ifrs-full:TaxEffectOfForeignTaxRates contextRef="c-2739" decimals="-6" id="f-6599" unitRef="eur">-183000000</ifrs-full:TaxEffectOfForeignTaxRates>
    <ifrs-full:TaxEffectOfForeignTaxRates contextRef="c-2740" decimals="-6" id="f-6600" unitRef="eur">-164000000</ifrs-full:TaxEffectOfForeignTaxRates>
    <san:TaxEffectOfProfitLossOfAssociatesAndJointVentures contextRef="c-1" decimals="-6" id="f-6601" unitRef="eur">-207000000</san:TaxEffectOfProfitLossOfAssociatesAndJointVentures>
    <san:TaxEffectOfProfitLossOfAssociatesAndJointVentures contextRef="c-86" decimals="-6" id="f-6602" unitRef="eur">-213000000</san:TaxEffectOfProfitLossOfAssociatesAndJointVentures>
    <san:TaxEffectOfProfitLossOfAssociatesAndJointVentures contextRef="c-87" decimals="-6" id="f-6603" unitRef="eur">-184000000</san:TaxEffectOfProfitLossOfAssociatesAndJointVentures>
    <san:TaxEffectOfUSAElectricVehicleLeasingIncentives contextRef="c-1" decimals="-6" id="f-6604" unitRef="eur">-203000000</san:TaxEffectOfUSAElectricVehicleLeasingIncentives>
    <san:TaxEffectOfUSAElectricVehicleLeasingIncentives contextRef="c-86" decimals="-6" id="f-6605" unitRef="eur">-258000000</san:TaxEffectOfUSAElectricVehicleLeasingIncentives>
    <san:TaxEffectOfUSAElectricVehicleLeasingIncentives contextRef="c-87" decimals="-6" id="f-6606" unitRef="eur">-259000000</san:TaxEffectOfUSAElectricVehicleLeasingIncentives>
    <ifrs-full:CurrentTaxExpenseIncomeRelatedToPillarTwoIncomeTaxes contextRef="c-1" decimals="-6" id="f-6607" unitRef="eur">6000000</ifrs-full:CurrentTaxExpenseIncomeRelatedToPillarTwoIncomeTaxes>
    <ifrs-full:CurrentTaxExpenseIncomeRelatedToPillarTwoIncomeTaxes contextRef="c-86" decimals="-6" id="f-6608" unitRef="eur">14000000</ifrs-full:CurrentTaxExpenseIncomeRelatedToPillarTwoIncomeTaxes>
    <ifrs-full:CurrentTaxExpenseIncomeRelatedToPillarTwoIncomeTaxes contextRef="c-87" decimals="-6" id="f-6609" unitRef="eur">0</ifrs-full:CurrentTaxExpenseIncomeRelatedToPillarTwoIncomeTaxes>
    <san:TaxEffectOfRemeasurementOfDeferredTax contextRef="c-1" decimals="-6" id="f-6610" unitRef="eur">-101000000</san:TaxEffectOfRemeasurementOfDeferredTax>
    <san:TaxEffectOfRemeasurementOfDeferredTax contextRef="c-86" decimals="-6" id="f-6611" unitRef="eur">68000000</san:TaxEffectOfRemeasurementOfDeferredTax>
    <san:TaxEffectOfRemeasurementOfDeferredTax contextRef="c-87" decimals="-6" id="f-6612" unitRef="eur">0</san:TaxEffectOfRemeasurementOfDeferredTax>
    <san:TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss contextRef="c-1" decimals="-6" id="f-6613" unitRef="eur">-450000000</san:TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss>
    <san:TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss contextRef="c-86" decimals="-6" id="f-6614" unitRef="eur">-151000000</san:TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss>
    <san:TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss contextRef="c-87" decimals="-6" id="f-6615" unitRef="eur">-119000000</san:TaxEffectOfExpenseNotDeductibleAndOtherInDeterminingTaxableProfitTaxLoss>
    <san:TaxExpenseIncomeIncludingDiscontinuedOperations contextRef="c-1" decimals="-6" id="f-6616" unitRef="eur">5131000000</san:TaxExpenseIncomeIncludingDiscontinuedOperations>
    <san:TaxExpenseIncomeIncludingDiscontinuedOperations contextRef="c-86" decimals="-6" id="f-6617" unitRef="eur">5283000000</san:TaxExpenseIncomeIncludingDiscontinuedOperations>
    <san:TaxExpenseIncomeIncludingDiscontinuedOperations contextRef="c-87" decimals="-6" id="f-6618" unitRef="eur">4276000000</san:TaxExpenseIncomeIncludingDiscontinuedOperations>
    <ifrs-full:AverageEffectiveTaxRate contextRef="c-1" decimals="4" id="f-6619" unitRef="number">0.2487</ifrs-full:AverageEffectiveTaxRate>
    <ifrs-full:AverageEffectiveTaxRate contextRef="c-86" decimals="4" id="f-6620" unitRef="number">0.2777</ifrs-full:AverageEffectiveTaxRate>
    <ifrs-full:AverageEffectiveTaxRate contextRef="c-87" decimals="4" id="f-6621" unitRef="number">0.2598</ifrs-full:AverageEffectiveTaxRate>
    <ifrs-full:IncomeTaxExpenseContinuingOperations contextRef="c-1" decimals="-5" id="f-6622" unitRef="eur">4723000000</ifrs-full:IncomeTaxExpenseContinuingOperations>
    <ifrs-full:IncomeTaxExpenseContinuingOperations contextRef="c-86" decimals="-6" id="f-6623" unitRef="eur">4844000000</ifrs-full:IncomeTaxExpenseContinuingOperations>
    <ifrs-full:IncomeTaxExpenseContinuingOperations contextRef="c-87" decimals="-6" id="f-6624" unitRef="eur">3880000000</ifrs-full:IncomeTaxExpenseContinuingOperations>
    <ifrs-full:TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations contextRef="c-1" decimals="-6" id="f-6625" unitRef="eur">408000000</ifrs-full:TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations>
    <ifrs-full:TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations contextRef="c-86" decimals="-6" id="f-6626" unitRef="eur">439000000</ifrs-full:TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations>
    <ifrs-full:TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations contextRef="c-87" decimals="-6" id="f-6627" unitRef="eur">396000000</ifrs-full:TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations>
    <ifrs-full:CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods contextRef="c-1" decimals="-6" id="f-6628" unitRef="eur">5666000000</ifrs-full:CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods>
    <ifrs-full:CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods contextRef="c-86" decimals="-6" id="f-6629" unitRef="eur">4855000000</ifrs-full:CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods>
    <ifrs-full:CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods contextRef="c-87" decimals="-6" id="f-6630" unitRef="eur">5568000000</ifrs-full:CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods>
    <ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss contextRef="c-1" decimals="-6" id="f-6631" unitRef="eur">535000000</ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss>
    <ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss contextRef="c-86" decimals="-6" id="f-6632" unitRef="eur">-428000000</ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss>
    <ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss contextRef="c-87" decimals="-6" id="f-6633" unitRef="eur">1292000000</ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss>
    <ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities contextRef="c-1" decimals="-6" id="f-6634" unitRef="eur">4954000000</ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities>
    <ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities contextRef="c-86" decimals="-6" id="f-6635" unitRef="eur">5880000000</ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities>
    <ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities contextRef="c-87" decimals="-6" id="f-6636" unitRef="eur">5214000000</ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities>
    <san:DisclosureOfIncomeTaxComponentsOfOtherComprehensiveIncomeTableTextBlock contextRef="c-1" id="f-6637">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition to the income tax recognised in the consolidated income statement, the Group recognised the following amounts in consolidated equity in 2025, 2024 and 2023:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.791%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Items not reclassified to profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;115&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;85&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;358&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial gains or (-) losses on defined benefit pension plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;63&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;172&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;302&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of equity instruments measured at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities at fair value with changes in results attributable to changes in credit risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(83)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Items that may be reclassified to profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(440)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;54&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(919)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(207)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(205)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(732)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of debt instruments through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(204)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;261&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(214)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedging instruments (items not designated)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-current assets held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other recognised income and expense of investments in subsidiaries, joint ventures and associates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(325)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;139&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(561)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfIncomeTaxComponentsOfOtherComprehensiveIncomeTableTextBlock>
    <san:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures contextRef="c-1" decimals="-6" id="f-6638" unitRef="eur">115000000</san:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures>
    <san:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures contextRef="c-86" decimals="-6" id="f-6639" unitRef="eur">85000000</san:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures>
    <san:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures contextRef="c-87" decimals="-6" id="f-6640" unitRef="eur">358000000</san:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures>
    <ifrs-full:IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome contextRef="c-1" decimals="-6" id="f-6641" unitRef="eur">63000000</ifrs-full:IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome>
    <ifrs-full:IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome contextRef="c-86" decimals="-6" id="f-6642" unitRef="eur">172000000</ifrs-full:IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome>
    <ifrs-full:IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome contextRef="c-87" decimals="-6" id="f-6643" unitRef="eur">302000000</ifrs-full:IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome>
    <ifrs-full:IncomeTaxRelatingToHedgesOfInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome contextRef="c-1" decimals="-6" id="f-6644" unitRef="eur">4000000</ifrs-full:IncomeTaxRelatingToHedgesOfInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome>
    <ifrs-full:IncomeTaxRelatingToHedgesOfInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome contextRef="c-86" decimals="-6" id="f-6645" unitRef="eur">-4000000</ifrs-full:IncomeTaxRelatingToHedgesOfInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome>
    <ifrs-full:IncomeTaxRelatingToHedgesOfInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome contextRef="c-87" decimals="-6" id="f-6646" unitRef="eur">20000000</ifrs-full:IncomeTaxRelatingToHedgesOfInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome>
    <ifrs-full:IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome contextRef="c-1" decimals="-6" id="f-6647" unitRef="eur">48000000</ifrs-full:IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome>
    <ifrs-full:IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome contextRef="c-86" decimals="-6" id="f-6648" unitRef="eur">-83000000</ifrs-full:IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome>
    <ifrs-full:IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome contextRef="c-87" decimals="-6" id="f-6649" unitRef="eur">36000000</ifrs-full:IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome>
    <san:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures contextRef="c-1" decimals="-6" id="f-6650" unitRef="eur">-440000000</san:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures>
    <san:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures contextRef="c-86" decimals="-6" id="f-6651" unitRef="eur">54000000</san:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures>
    <san:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures contextRef="c-87" decimals="-6" id="f-6652" unitRef="eur">-919000000</san:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossIncludingShareOfOciOfAssociatesAndJointVentures>
    <ifrs-full:IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome contextRef="c-1" decimals="-6" id="f-6653" unitRef="eur">-207000000</ifrs-full:IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome>
    <ifrs-full:IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome contextRef="c-86" decimals="-6" id="f-6654" unitRef="eur">-205000000</ifrs-full:IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome>
    <ifrs-full:IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome contextRef="c-87" decimals="-6" id="f-6655" unitRef="eur">-732000000</ifrs-full:IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome>
    <ifrs-full:IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-1" decimals="-6" id="f-6656" unitRef="eur">-204000000</ifrs-full:IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-86" decimals="-6" id="f-6657" unitRef="eur">261000000</ifrs-full:IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-87" decimals="-6" id="f-6658" unitRef="eur">-214000000</ifrs-full:IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:IncomeTaxRelatingToHedgesOfNetInvestmentsInForeignOperationsOfOtherComprehensiveIncome contextRef="c-1" decimals="-6" id="f-6659" unitRef="eur">3000000</ifrs-full:IncomeTaxRelatingToHedgesOfNetInvestmentsInForeignOperationsOfOtherComprehensiveIncome>
    <ifrs-full:IncomeTaxRelatingToHedgesOfNetInvestmentsInForeignOperationsOfOtherComprehensiveIncome contextRef="c-86" decimals="-6" id="f-6660" unitRef="eur">0</ifrs-full:IncomeTaxRelatingToHedgesOfNetInvestmentsInForeignOperationsOfOtherComprehensiveIncome>
    <ifrs-full:IncomeTaxRelatingToHedgesOfNetInvestmentsInForeignOperationsOfOtherComprehensiveIncome contextRef="c-87" decimals="-6" id="f-6661" unitRef="eur">0</ifrs-full:IncomeTaxRelatingToHedgesOfNetInvestmentsInForeignOperationsOfOtherComprehensiveIncome>
    <san:IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome contextRef="c-1" decimals="-6" id="f-6662" unitRef="eur">-32000000</san:IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome>
    <san:IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome contextRef="c-86" decimals="-6" id="f-6663" unitRef="eur">0</san:IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome>
    <san:IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome contextRef="c-87" decimals="-6" id="f-6664" unitRef="eur">0</san:IncomeTaxRelatingToNonCurrentAssetsHeldForSaleIncludedInOtherComprehensiveIncome>
    <ifrs-full:IncomeTaxRelatingToShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLoss contextRef="c-1" decimals="-6" id="f-6665" unitRef="eur">0</ifrs-full:IncomeTaxRelatingToShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLoss>
    <ifrs-full:IncomeTaxRelatingToShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLoss contextRef="c-86" decimals="-6" id="f-6666" unitRef="eur">-2000000</ifrs-full:IncomeTaxRelatingToShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLoss>
    <ifrs-full:IncomeTaxRelatingToShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLoss contextRef="c-87" decimals="-6" id="f-6667" unitRef="eur">27000000</ifrs-full:IncomeTaxRelatingToShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLoss>
    <ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome contextRef="c-1" decimals="-6" id="f-6668" unitRef="eur">-325000000</ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome>
    <ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome contextRef="c-86" decimals="-6" id="f-6669" unitRef="eur">139000000</ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome>
    <ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome contextRef="c-87" decimals="-6" id="f-6670" unitRef="eur">-561000000</ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome>
    <ifrs-full:DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsExplanatory contextRef="c-1" id="f-6671">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of deferred tax assets, by classification as monetizable or non-monetizable assets, and of deferred tax liabilities at 31 December 2025, 2024 and 2023 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.468%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.887%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.783%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.176%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.783%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.176%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.783%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Monetizable&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Monetizable&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Monetizable&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,725&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,219&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,309&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,861&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,099&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,668&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax losses and tax credits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Temporary differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,725&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,865&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,309&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,494&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,099&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 5.5pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Non-deductible provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,970&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,965&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Valuation of financial instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,486&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Loan losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,471&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,341&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,880&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,577&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Pensions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,429&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;423&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,851&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Valuation of tangible and intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;832&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;885&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Tax liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,904&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,276&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,086&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Temporary differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,904&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,086&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 5.5pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Valuation of financial instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,980&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,059&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Valuation of tangible and intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,714&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,797&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Investments in Group companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;427&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;403&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;378&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:112%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:112%;padding-left:0.46pt"&gt;In 2023, the Spanish Economic Administrative Court ruled that in 2017 the requirements for the conversion of part of the monetizable assets of Popular Group into a credit against the Tax Administration were met, allowing the conversion to EUR 995&#160;million. Banco Santander was refunded without impact on results. The favourable Economic Administrative Court decision was declared harmful to the public interests and challenged at the National Appellate Court by the Tax Administration. The estimation of this appeal, which is pending at the National Appellate Court,  would imply that Grupo Santander should repay the amount refunded and would, once again, credit these monetizable assets with no impact on results except for late payment interests. However, it is considered that there are strong defense arguments in relation to this appeal.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsExplanatory>
    <ifrs-full:DeferredTaxAssets contextRef="c-2741" decimals="-6" id="f-6672" unitRef="eur">10725000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2742" decimals="-6" id="f-6673" unitRef="eur">8219000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2743" decimals="-6" id="f-6674" unitRef="eur">10309000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2744" decimals="-6" id="f-6675" unitRef="eur">8861000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2745" decimals="-6" id="f-6676" unitRef="eur">11099000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2746" decimals="-6" id="f-6677" unitRef="eur">9668000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2747" decimals="-6" id="f-6678" unitRef="eur">2354000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2748" decimals="-6" id="f-6679" unitRef="eur">2367000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2749" decimals="-6" id="f-6680" unitRef="eur">2393000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2750" decimals="-6" id="f-6681" unitRef="eur">10725000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2751" decimals="-6" id="f-6682" unitRef="eur">5865000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2752" decimals="-6" id="f-6683" unitRef="eur">10309000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2753" decimals="-6" id="f-6684" unitRef="eur">6494000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2754" decimals="-6" id="f-6685" unitRef="eur">11099000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2755" decimals="-6" id="f-6686" unitRef="eur">7275000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2756" decimals="-6" id="f-6687" unitRef="eur">1970000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2757" decimals="-6" id="f-6688" unitRef="eur">1784000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2758" decimals="-6" id="f-6689" unitRef="eur">1965000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2759" decimals="-6" id="f-6690" unitRef="eur">810000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2760" decimals="-6" id="f-6691" unitRef="eur">1486000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2761" decimals="-6" id="f-6692" unitRef="eur">1543000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2762" decimals="-6" id="f-6693" unitRef="eur">8471000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2763" decimals="-6" id="f-6694" unitRef="eur">1341000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2764" decimals="-6" id="f-6695" unitRef="eur">7880000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2765" decimals="-6" id="f-6696" unitRef="eur">1103000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2766" decimals="-6" id="f-6697" unitRef="eur">8248000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2767" decimals="-6" id="f-6698" unitRef="eur">1577000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2768" decimals="-6" id="f-6699" unitRef="eur">2254000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2769" decimals="-6" id="f-6700" unitRef="eur">426000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2770" decimals="-6" id="f-6701" unitRef="eur">2429000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2771" decimals="-6" id="f-6702" unitRef="eur">423000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2772" decimals="-6" id="f-6703" unitRef="eur">2851000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2773" decimals="-6" id="f-6704" unitRef="eur">665000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2774" decimals="-6" id="f-6705" unitRef="eur">832000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2775" decimals="-6" id="f-6706" unitRef="eur">885000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2776" decimals="-6" id="f-6707" unitRef="eur">1060000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-2" decimals="-6" id="f-6708" unitRef="eur">5904000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-3" decimals="-6" id="f-6709" unitRef="eur">6276000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-4" decimals="-6" id="f-6710" unitRef="eur">6086000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-2777" decimals="-6" id="f-6711" unitRef="eur">5904000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-2778" decimals="-6" id="f-6712" unitRef="eur">6276000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-2779" decimals="-6" id="f-6713" unitRef="eur">6086000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-2780" decimals="-6" id="f-6714" unitRef="eur">1980000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-2781" decimals="-6" id="f-6715" unitRef="eur">2412000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-2782" decimals="-6" id="f-6716" unitRef="eur">2059000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-2783" decimals="-6" id="f-6717" unitRef="eur">2714000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-2784" decimals="-6" id="f-6718" unitRef="eur">2797000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-2785" decimals="-6" id="f-6719" unitRef="eur">2594000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-2786" decimals="-6" id="f-6720" unitRef="eur">427000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-2787" decimals="-6" id="f-6721" unitRef="eur">403000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-2788" decimals="-6" id="f-6722" unitRef="eur">378000000</ifrs-full:DeferredTaxLiabilities>
    <san:DeferredTaxAssetsPortionAlreadySubmittedForConversion contextRef="c-2789" decimals="-6" id="f-6723" unitRef="eur">995000000</san:DeferredTaxAssetsPortionAlreadySubmittedForConversion>
    <san:PercentageOfReasonablyPossibleIncreaseDecreaseInAssumption
      contextRef="c-2790"
      decimals="INF"
      id="f-6724"
      unitRef="number">0.0050</san:PercentageOfReasonablyPossibleIncreaseDecreaseInAssumption>
    <san:PercentageOfReasonablyPossibleIncreaseDecreaseInAssumption
      contextRef="c-2791"
      decimals="INF"
      id="f-6725"
      unitRef="number">0.0050</san:PercentageOfReasonablyPossibleIncreaseDecreaseInAssumption>
    <ifrs-full:DeferredTaxAssets contextRef="c-307" decimals="-6" id="f-6726" unitRef="eur">7183000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2792" decimals="-6" id="f-6727" unitRef="eur">5069000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2793" decimals="-6" id="f-6728" unitRef="eur">1433000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2794" decimals="-6" id="f-6729" unitRef="eur">681000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2610" decimals="-6" id="f-6730" unitRef="eur">7465000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2795" decimals="-6" id="f-6731" unitRef="eur">5606000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2796" decimals="-6" id="f-6732" unitRef="eur">1150000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2797" decimals="-6" id="f-6733" unitRef="eur">709000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2798" decimals="-6" id="f-6734" unitRef="eur">1542000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2799" decimals="-6" id="f-6735" unitRef="eur">1511000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2800" decimals="-6" id="f-6736" unitRef="eur">31000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2801" decimals="-6" id="f-6737" unitRef="eur">1026000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2802" decimals="-6" id="f-6738" unitRef="eur">253000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2803" decimals="-6" id="f-6739" unitRef="eur">773000000</ifrs-full:DeferredTaxAssets>
    <san:RemainingRecoveryPeriodOfDeferredTaxAssetsForTemporaryDifferences contextRef="c-2804" id="f-6740">P15Y</san:RemainingRecoveryPeriodOfDeferredTaxAssetsForTemporaryDifferences>
    <ifrs-full:DisclosureOfDeferredTaxesExplanatory contextRef="c-1" id="f-6741">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in Tax assets&#160;- Deferred and Tax liabilities&#160;- Deferred in the last three&#160;years were as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.608%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 1 January 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(Charge)/Credit to income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Foreign currency balance translation differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(Charge)/Credit to asset and liability valuation adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Reclassification no-current asset held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Acquisition for the year (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Deferred tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,170&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,107&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(102)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(132)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,130)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,944&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax losses and tax credits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;82&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(107)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Temporary differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,025&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(132)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,130)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,590&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which monetizable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,309&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;455&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(39)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,725&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Deferred tax liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(6,276)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(572)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;108&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(232)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,064&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5,904)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Temporary differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6,276)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(572)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;108&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(232)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,064&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,904)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,894&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;535&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(364)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(66)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,040&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 1 January 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(Charge)/Credit to income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Foreign currency balance translation differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(Charge)/Credit to asset and liability valuation adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Acquisition for the year (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Deferred tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20,767&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;119&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,670)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,170&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax losses and tax credits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(139)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Temporary differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,374&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,531)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which monetizable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,099&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(937)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,309&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Deferred tax liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(6,086)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(547)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;142&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;215&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(6,276)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Temporary differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6,086)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(547)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;142&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6,276)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,681&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(428)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,528)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;174&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,894&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 1 January 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(Charge)/Credit to income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Foreign currency balance translation differences and other items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(Charge)/Credit to asset and liability valuation adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Acquisition for the year (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at 31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Deferred tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20,787&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;629&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(130)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(422)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(97)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20,767&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax losses and tax credits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,778&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;224&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Temporary differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,009&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;237&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(354)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(422)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(96)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,374&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which monetizable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,660&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,232&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(787)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,099&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Deferred tax liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(6,428)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;663&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(338)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(6,086)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Temporary differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6,428)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(338)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6,086)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,359&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,292&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(127)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(760)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(83)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,681&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfDeferredTaxesExplanatory>
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    <san:DeferredTaxRelatingToItemsChargedCreditedDirectlyToLiabilityValuationAdjustments contextRef="c-2811" decimals="-6" id="f-6824" unitRef="eur">-215000000</san:DeferredTaxRelatingToItemsChargedCreditedDirectlyToLiabilityValuationAdjustments>
    <san:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiability contextRef="c-2811" decimals="-6" id="f-6825" unitRef="eur">0</san:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiability>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-2778" decimals="-6" id="f-6826" unitRef="eur">6276000000</ifrs-full:DeferredTaxLiabilities>
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    <san:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToAssetAndLiabilityValuationAdjustments contextRef="c-86" decimals="-6" id="f-6830" unitRef="eur">174000000</san:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToAssetAndLiabilityValuationAdjustments>
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    <san:DeferredTaxIncomeRecognisedInProfitOrLoss contextRef="c-87" decimals="-6" id="f-6834" unitRef="eur">629000000</san:DeferredTaxIncomeRecognisedInProfitOrLoss>
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    <ifrs-full:DeferredTaxAssets contextRef="c-4" decimals="-6" id="f-6838" unitRef="eur">20767000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2813" decimals="-6" id="f-6839" unitRef="eur">1778000000</ifrs-full:DeferredTaxAssets>
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    <san:DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems contextRef="c-2814" decimals="-6" id="f-6841" unitRef="eur">224000000</san:DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems>
    <san:DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments contextRef="c-2814" decimals="-6" id="f-6842" unitRef="eur">0</san:DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments>
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    <ifrs-full:DeferredTaxAssets contextRef="c-2809" decimals="-6" id="f-6844" unitRef="eur">2393000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxAssets contextRef="c-2815" decimals="-6" id="f-6845" unitRef="eur">19009000000</ifrs-full:DeferredTaxAssets>
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    <san:DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems contextRef="c-2816" decimals="-6" id="f-6847" unitRef="eur">-354000000</san:DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems>
    <san:DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments contextRef="c-2816" decimals="-6" id="f-6848" unitRef="eur">-422000000</san:DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments>
    <san:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxAsset contextRef="c-2816" decimals="-6" id="f-6849" unitRef="eur">-96000000</san:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxAsset>
    <ifrs-full:DeferredTaxAssets contextRef="c-2779" decimals="-6" id="f-6850" unitRef="eur">18374000000</ifrs-full:DeferredTaxAssets>
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    <san:DeferredTaxIncomeRecognisedInProfitOrLoss contextRef="c-2818" decimals="-6" id="f-6852" unitRef="eur">1232000000</san:DeferredTaxIncomeRecognisedInProfitOrLoss>
    <san:DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems contextRef="c-2818" decimals="-6" id="f-6853" unitRef="eur">-787000000</san:DeferredTaxExpenseTaxAssetIncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems>
    <san:DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments contextRef="c-2818" decimals="-6" id="f-6854" unitRef="eur">0</san:DeferredTaxRelatingToItemsCreditedDirectlyToAssetValuationAdjustments>
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    <ifrs-full:DeferredTaxAssets contextRef="c-2754" decimals="-6" id="f-6856" unitRef="eur">11099000000</ifrs-full:DeferredTaxAssets>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-241" decimals="-6" id="f-6857" unitRef="eur">6428000000</ifrs-full:DeferredTaxLiabilities>
    <san:DeferredTaxExpenseCreditRecognisedInProfitOrLoss contextRef="c-87" decimals="-6" id="f-6858" unitRef="eur">-663000000</san:DeferredTaxExpenseCreditRecognisedInProfitOrLoss>
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    <san:DeferredTaxRelatingToItemsChargedCreditedDirectlyToLiabilityValuationAdjustments contextRef="c-87" decimals="-6" id="f-6860" unitRef="eur">338000000</san:DeferredTaxRelatingToItemsChargedCreditedDirectlyToLiabilityValuationAdjustments>
    <san:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiability contextRef="c-87" decimals="-6" id="f-6861" unitRef="eur">-14000000</san:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiability>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-4" decimals="-6" id="f-6862" unitRef="eur">6086000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-2815" decimals="-6" id="f-6863" unitRef="eur">6428000000</ifrs-full:DeferredTaxLiabilities>
    <san:DeferredTaxExpenseCreditRecognisedInProfitOrLoss contextRef="c-2816" decimals="-6" id="f-6864" unitRef="eur">-663000000</san:DeferredTaxExpenseCreditRecognisedInProfitOrLoss>
    <san:DeferredTaxExpenseTaxLiabilityIncomeTaxExpenseRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems contextRef="c-2816" decimals="-6" id="f-6865" unitRef="eur">-3000000</san:DeferredTaxExpenseTaxLiabilityIncomeTaxExpenseRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems>
    <san:DeferredTaxRelatingToItemsChargedCreditedDirectlyToLiabilityValuationAdjustments contextRef="c-2816" decimals="-6" id="f-6866" unitRef="eur">338000000</san:DeferredTaxRelatingToItemsChargedCreditedDirectlyToLiabilityValuationAdjustments>
    <san:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiability contextRef="c-2816" decimals="-6" id="f-6867" unitRef="eur">-14000000</san:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiability>
    <ifrs-full:DeferredTaxLiabilities contextRef="c-2779" decimals="-6" id="f-6868" unitRef="eur">6086000000</ifrs-full:DeferredTaxLiabilities>
    <ifrs-full:DeferredTaxLiabilityAsset contextRef="c-241" decimals="-6" id="f-6869" unitRef="eur">-14359000000</ifrs-full:DeferredTaxLiabilityAsset>
    <ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss contextRef="c-87" decimals="-6" id="f-6870" unitRef="eur">1292000000</ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss>
    <san:IncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems contextRef="c-87" decimals="-6" id="f-6871" unitRef="eur">-127000000</san:IncomeTaxRelatingToComponentsOfForeignCurrencyBalanceTranslationDifferencesAndOtherItems>
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    <ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset contextRef="c-87" decimals="-6" id="f-6873" unitRef="eur">83000000</ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset>
    <ifrs-full:DeferredTaxLiabilityAsset contextRef="c-4" decimals="-6" id="f-6874" unitRef="eur">-14681000000</ifrs-full:DeferredTaxLiabilityAsset>
    <san:DeferredTaxAssetsNotRecognized contextRef="c-2" decimals="-6" id="f-6875" unitRef="eur">11240000000</san:DeferredTaxAssetsNotRecognized>
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    <ifrs-full:TaxExpenseOtherThanIncomeTaxExpense contextRef="c-2819" decimals="-6" id="f-6879" unitRef="eur">224000000</ifrs-full:TaxExpenseOtherThanIncomeTaxExpense>
    <ifrs-full:TaxExpenseOtherThanIncomeTaxExpense contextRef="c-2820" decimals="-6" id="f-6880" unitRef="eur">334000000</ifrs-full:TaxExpenseOtherThanIncomeTaxExpense>
    <san:PaymentOfTaxExpenseOtherThanIncomeTaxExpense contextRef="c-2821" decimals="-6" id="f-6881" unitRef="eur">392000000</san:PaymentOfTaxExpenseOtherThanIncomeTaxExpense>
    <ifrs-full:TaxExpenseOtherThanIncomeTaxExpense contextRef="c-2822" decimals="-6" id="f-6882" unitRef="eur">353000000</ifrs-full:TaxExpenseOtherThanIncomeTaxExpense>
    <san:TaxCreditForTaxesPaidAbroadThresholdAmountOfExemptDividends contextRef="c-2565" decimals="0" id="f-6883" unitRef="gbp">500</san:TaxCreditForTaxesPaidAbroadThresholdAmountOfExemptDividends>
    <san:TaxCreditForTaxesPaidAbroadThresholdAmountOfExemptDividends contextRef="c-2566" decimals="0" id="f-6884" unitRef="gbp">500</san:TaxCreditForTaxesPaidAbroadThresholdAmountOfExemptDividends>
    <ifrs-full:DisclosureOfNoncontrollingInterestsExplanatory contextRef="c-1" id="f-6885">Non-controlling interests&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Non-controlling interests include the net amount of the equity of subsidiaries attributable to equity instruments that do not belong, directly or indirectly, to the Bank, including the portion attributed to them of profit for the&#160;year.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i02ea9a54c8de4ab78a99b48ffccca763"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Breakdown&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by Group company, of 'Equity&#160;- Non-controlling interests' is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:59.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.173%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Bank Polska S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,670&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,320&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Grupo PSA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,725&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,590&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander - Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,422&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,379&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander (Brasil) S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,397&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,257&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,493&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other companies&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;875&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;890&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,179&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,556&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,711&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Profit/(Loss) for the year attributable to non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,399&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,170&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Grupo PSA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;285&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander - Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander (Brasil) S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;184&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Bank Polska S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;604&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;347&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,578&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,726&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,818&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;It included, as of 31 December 2023, perpetual Santander UK plc equity instruments convertible at the option of Santander UK plc into preferred shares of the entity itself amounting EUR 576&#160;million. During 2024, the last outstanding issuance held by third parties for GBP 500&#160;million (EUR 590&#160;million) was redeemed.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i6c8562a07d4344eaa0bfcc6ba4bcf4fa"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Changes&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in Non-controlling interests are summarised as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.791%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,726&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,818&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;73&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(461)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;779&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Profit attributable to non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,399&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,170&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Modification of participation rates&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;339&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;395&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(258)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Change of perimeter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(364)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Dividends paid to minority shareholders&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(896)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(660)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(748)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Changes in capital and other concepts&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(58)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(528)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;303&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,578&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,726&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,818&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Include the effects of the accelerated placements of 3.5% and 5.2% of the share capital of Santander Bank Polska S.A. in 2025 and 2024, respectively, and the public offer for the acquisition of shares of Banco Santander M&#xe9;xico, S.A., Instituci&#xf3;n de Banca M&#xfa;ltiple, Grupo Financiero Santander M&#xe9;xico that occurred in 2023 (see note 3.b).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Includes the effects of the amortization of AT1 UK by EUR 590&#160;million at closing of fiscal year 2024.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The foregoing changes are shown in the consolidated statement of changes in total equity.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt;padding-right:263.62pt"&gt;&lt;span id="i09a6330868ec4ef3988d62b7a0b4a862"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;c) Other information&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:12pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The financial information on the subsidiaries with significant non-controlling interests at 31 December 2025 is summarised below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.392%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.87pt;font-weight:400;line-height:105%;position:relative;top:-2.62pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 8.09pt 0 1pt;text-indent:-7.09pt"&gt;&lt;div style="margin-bottom:6pt;padding-right:7.09pt;text-align:justify;text-indent:-7.09pt"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Santander Bank Polska S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Banco Santander (Brasil) S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Banco Santander - Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Grupo PSA&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;78,186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;209,453&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68,205&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,826&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;70,380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;193,380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,604&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,717&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,806&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,073&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,601&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,109&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,724&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,602&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,714&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,528&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,388&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,043&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;460&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfNoncontrollingInterestsExplanatory>
    <san:DisclosureOfNonControllingInterestComponentsExplanatoryTableTextBlock contextRef="c-1" id="f-6886">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by Group company, of 'Equity&#160;- Non-controlling interests' is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:59.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.173%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Bank Polska S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,670&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,320&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Grupo PSA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,725&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,590&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander - Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,422&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,379&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander (Brasil) S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,397&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,257&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,493&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other companies&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;875&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;890&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,179&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,556&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,711&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Profit/(Loss) for the year attributable to non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,399&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,170&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Grupo PSA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;285&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander - Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Banco Santander (Brasil) S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;184&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Santander Bank Polska S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;604&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;347&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,578&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,726&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,818&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;It included, as of 31 December 2023, perpetual Santander UK plc equity instruments convertible at the option of Santander UK plc into preferred shares of the entity itself amounting EUR 576&#160;million. During 2024, the last outstanding issuance held by third parties for GBP 500&#160;million (EUR 590&#160;million) was redeemed.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfNonControllingInterestComponentsExplanatoryTableTextBlock>
    <san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests contextRef="c-2717" decimals="-6" id="f-6887" unitRef="eur">2670000000</san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests>
    <san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests contextRef="c-2823" decimals="-6" id="f-6888" unitRef="eur">2320000000</san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests>
    <san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests contextRef="c-2824" decimals="-6" id="f-6889" unitRef="eur">1934000000</san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests>
    <san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests contextRef="c-2825" decimals="-6" id="f-6890" unitRef="eur">1815000000</san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests>
    <san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests contextRef="c-2826" decimals="-6" id="f-6891" unitRef="eur">1725000000</san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests>
    <san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests contextRef="c-2827" decimals="-6" id="f-6892" unitRef="eur">1590000000</san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests>
    <san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests contextRef="c-2828" decimals="-6" id="f-6893" unitRef="eur">1422000000</san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests>
    <san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests contextRef="c-2829" decimals="-6" id="f-6894" unitRef="eur">1364000000</san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests>
    <san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests contextRef="c-2830" decimals="-6" id="f-6895" unitRef="eur">1379000000</san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests>
    <san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests contextRef="c-2692" decimals="-6" id="f-6896" unitRef="eur">1397000000</san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests>
    <san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests contextRef="c-2831" decimals="-6" id="f-6897" unitRef="eur">1257000000</san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests>
    <san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests contextRef="c-2832" decimals="-6" id="f-6898" unitRef="eur">1493000000</san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests>
    <san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests contextRef="c-2833" decimals="-6" id="f-6899" unitRef="eur">875000000</san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests>
    <san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests contextRef="c-2834" decimals="-6" id="f-6900" unitRef="eur">890000000</san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests>
    <san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests contextRef="c-2835" decimals="-6" id="f-6901" unitRef="eur">1315000000</san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests>
    <san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests contextRef="c-2" decimals="-6" id="f-6902" unitRef="eur">8179000000</san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests>
    <san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests contextRef="c-3" decimals="-6" id="f-6903" unitRef="eur">7556000000</san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests>
    <san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests contextRef="c-4" decimals="-6" id="f-6904" unitRef="eur">7711000000</san:NonControllingInterestsExcludingProfitLossAttributableToNonControllingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-1" decimals="-6" id="f-6905" unitRef="eur">1399000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-86" decimals="-6" id="f-6906" unitRef="eur">1170000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-87" decimals="-6" id="f-6907" unitRef="eur">1107000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-2836" decimals="-6" id="f-6908" unitRef="eur">230000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-2837" decimals="-6" id="f-6909" unitRef="eur">217000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-2838" decimals="-6" id="f-6910" unitRef="eur">285000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-2839" decimals="-6" id="f-6911" unitRef="eur">313000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-2840" decimals="-6" id="f-6912" unitRef="eur">271000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-2841" decimals="-6" id="f-6913" unitRef="eur">235000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-2842" decimals="-6" id="f-6914" unitRef="eur">184000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-2843" decimals="-6" id="f-6915" unitRef="eur">233000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-2844" decimals="-6" id="f-6916" unitRef="eur">182000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-1630" decimals="-6" id="f-6917" unitRef="eur">604000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-1631" decimals="-6" id="f-6918" unitRef="eur">413000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-1632" decimals="-6" id="f-6919" unitRef="eur">347000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-2845" decimals="-6" id="f-6920" unitRef="eur">68000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-2846" decimals="-6" id="f-6921" unitRef="eur">36000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-2847" decimals="-6" id="f-6922" unitRef="eur">58000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests contextRef="c-2" decimals="-6" id="f-6923" unitRef="eur">9578000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests contextRef="c-3" decimals="-6" id="f-6924" unitRef="eur">8726000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests contextRef="c-4" decimals="-6" id="f-6925" unitRef="eur">8818000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:OtherEquityInterest contextRef="c-2848" decimals="-6" id="f-6926" unitRef="eur">576000000</ifrs-full:OtherEquityInterest>
    <ifrs-full:OtherEquityInterest contextRef="c-2849" decimals="-6" id="f-6927" unitRef="gbp">500000000</ifrs-full:OtherEquityInterest>
    <ifrs-full:OtherEquityInterest contextRef="c-2849" decimals="-6" id="f-6928" unitRef="eur">590000000</ifrs-full:OtherEquityInterest>
    <san:DisclosureOfNonControllingInterestChangesExplanatoryTableTextBlock contextRef="c-1" id="f-6929">&lt;div style="margin-bottom:2pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in Non-controlling interests are summarised as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:2pt;margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.791%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Balance at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,726&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,818&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;73&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(461)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;779&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Profit attributable to non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,399&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,170&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Modification of participation rates&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;339&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;395&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(258)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Change of perimeter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(364)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Dividends paid to minority shareholders&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(896)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(660)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(748)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Changes in capital and other concepts&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(58)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(528)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;303&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,578&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,726&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,818&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Include the effects of the accelerated placements of 3.5% and 5.2% of the share capital of Santander Bank Polska S.A. in 2025 and 2024, respectively, and the public offer for the acquisition of shares of Banco Santander M&#xe9;xico, S.A., Instituci&#xf3;n de Banca M&#xfa;ltiple, Grupo Financiero Santander M&#xe9;xico that occurred in 2023 (see note 3.b).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Includes the effects of the amortization of AT1 UK by EUR 590&#160;million at closing of fiscal year 2024.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfNonControllingInterestChangesExplanatoryTableTextBlock>
    <ifrs-full:Equity contextRef="c-2850" decimals="-6" id="f-6930" unitRef="eur">8726000000</ifrs-full:Equity>
    <ifrs-full:Equity contextRef="c-2851" decimals="-6" id="f-6931" unitRef="eur">8818000000</ifrs-full:Equity>
    <ifrs-full:Equity contextRef="c-2852" decimals="-6" id="f-6932" unitRef="eur">8481000000</ifrs-full:Equity>
    <ifrs-full:ComprehensiveIncome contextRef="c-2853" decimals="-6" id="f-6933" unitRef="eur">73000000</ifrs-full:ComprehensiveIncome>
    <ifrs-full:ComprehensiveIncome contextRef="c-2854" decimals="-6" id="f-6934" unitRef="eur">-461000000</ifrs-full:ComprehensiveIncome>
    <ifrs-full:ComprehensiveIncome contextRef="c-2855" decimals="-6" id="f-6935" unitRef="eur">297000000</ifrs-full:ComprehensiveIncome>
    <san:IncreaseDecreaseInNonControllingInterestExcludingOtherComprehensiveIncome contextRef="c-2856" decimals="-6" id="f-6936" unitRef="eur">779000000</san:IncreaseDecreaseInNonControllingInterestExcludingOtherComprehensiveIncome>
    <san:IncreaseDecreaseInNonControllingInterestExcludingOtherComprehensiveIncome contextRef="c-2857" decimals="-6" id="f-6937" unitRef="eur">369000000</san:IncreaseDecreaseInNonControllingInterestExcludingOtherComprehensiveIncome>
    <san:IncreaseDecreaseInNonControllingInterestExcludingOtherComprehensiveIncome contextRef="c-2858" decimals="-6" id="f-6938" unitRef="eur">40000000</san:IncreaseDecreaseInNonControllingInterestExcludingOtherComprehensiveIncome>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-2856" decimals="-6" id="f-6939" unitRef="eur">1399000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-2857" decimals="-6" id="f-6940" unitRef="eur">1170000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-2858" decimals="-6" id="f-6941" unitRef="eur">1107000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <san:IncreaseDecreaseInNonControllingInterestModificationOfParticipationRates contextRef="c-2856" decimals="-6" id="f-6942" unitRef="eur">339000000</san:IncreaseDecreaseInNonControllingInterestModificationOfParticipationRates>
    <san:IncreaseDecreaseInNonControllingInterestModificationOfParticipationRates contextRef="c-2857" decimals="-6" id="f-6943" unitRef="eur">395000000</san:IncreaseDecreaseInNonControllingInterestModificationOfParticipationRates>
    <san:IncreaseDecreaseInNonControllingInterestModificationOfParticipationRates contextRef="c-2858" decimals="-6" id="f-6944" unitRef="eur">-258000000</san:IncreaseDecreaseInNonControllingInterestModificationOfParticipationRates>
    <ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary contextRef="c-2856" decimals="-6" id="f-6945" unitRef="eur">-5000000</ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary>
    <ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary contextRef="c-2857" decimals="-6" id="f-6946" unitRef="eur">-8000000</ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary>
    <ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary contextRef="c-2858" decimals="-6" id="f-6947" unitRef="eur">-364000000</ifrs-full:IncreaseDecreaseThroughAcquisitionOfSubsidiary>
    <ifrs-full:DividendsPaidToNoncontrollingInterests contextRef="c-2856" decimals="-6" id="f-6948" unitRef="eur">896000000</ifrs-full:DividendsPaidToNoncontrollingInterests>
    <ifrs-full:DividendsPaidToNoncontrollingInterests contextRef="c-2857" decimals="-6" id="f-6949" unitRef="eur">660000000</ifrs-full:DividendsPaidToNoncontrollingInterests>
    <ifrs-full:DividendsPaidToNoncontrollingInterests contextRef="c-2858" decimals="-6" id="f-6950" unitRef="eur">748000000</ifrs-full:DividendsPaidToNoncontrollingInterests>
    <san:IncreaseDecreaseDueToChangesInCapitalAndOtherChanges contextRef="c-2856" decimals="-6" id="f-6951" unitRef="eur">-58000000</san:IncreaseDecreaseDueToChangesInCapitalAndOtherChanges>
    <san:IncreaseDecreaseDueToChangesInCapitalAndOtherChanges contextRef="c-2857" decimals="-6" id="f-6952" unitRef="eur">-528000000</san:IncreaseDecreaseDueToChangesInCapitalAndOtherChanges>
    <san:IncreaseDecreaseDueToChangesInCapitalAndOtherChanges contextRef="c-2858" decimals="-6" id="f-6953" unitRef="eur">303000000</san:IncreaseDecreaseDueToChangesInCapitalAndOtherChanges>
    <ifrs-full:Equity contextRef="c-2859" decimals="-6" id="f-6954" unitRef="eur">9578000000</ifrs-full:Equity>
    <ifrs-full:Equity contextRef="c-2850" decimals="-6" id="f-6955" unitRef="eur">8726000000</ifrs-full:Equity>
    <ifrs-full:Equity contextRef="c-2851" decimals="-6" id="f-6956" unitRef="eur">8818000000</ifrs-full:Equity>
    <san:SharesSoldPercentageOfShareCapital
      contextRef="c-317"
      decimals="3"
      id="f-6957"
      unitRef="number">0.035</san:SharesSoldPercentageOfShareCapital>
    <san:SharesSoldPercentageOfShareCapital
      contextRef="c-326"
      decimals="3"
      id="f-6958"
      unitRef="number">0.052</san:SharesSoldPercentageOfShareCapital>
    <san:AmortisationOfOtherEquityInstruments contextRef="c-2860" decimals="-6" id="f-6959" unitRef="eur">590000000</san:AmortisationOfOtherEquityInstruments>
    <san:DisclosureOfNonControllingInterestFinancialInformationExplanatoryTableTextBlock contextRef="c-1" id="f-6960">&lt;div style="margin-bottom:12pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The financial information on the subsidiaries with significant non-controlling interests at 31 December 2025 is summarised below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.392%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.87pt;font-weight:400;line-height:105%;position:relative;top:-2.62pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 8.09pt 0 1pt;text-indent:-7.09pt"&gt;&lt;div style="margin-bottom:6pt;padding-right:7.09pt;text-align:justify;text-indent:-7.09pt"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Santander Bank Polska S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Banco Santander (Brasil) S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Banco Santander - Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Grupo PSA&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;78,186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;209,453&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68,205&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,826&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;70,380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;193,380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,604&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,717&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,806&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,073&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,601&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,109&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,724&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,602&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,714&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,528&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,388&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,043&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;460&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfNonControllingInterestFinancialInformationExplanatoryTableTextBlock>
    <ifrs-full:Assets contextRef="c-2861" decimals="-6" id="f-6961" unitRef="eur">78186000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-2862" decimals="-6" id="f-6962" unitRef="eur">209453000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-2863" decimals="-6" id="f-6963" unitRef="eur">68205000000</ifrs-full:Assets>
    <ifrs-full:Assets contextRef="c-2864" decimals="-6" id="f-6964" unitRef="eur">47826000000</ifrs-full:Assets>
    <ifrs-full:Liabilities contextRef="c-2861" decimals="-6" id="f-6965" unitRef="eur">70380000000</ifrs-full:Liabilities>
    <ifrs-full:Liabilities contextRef="c-2862" decimals="-6" id="f-6966" unitRef="eur">193380000000</ifrs-full:Liabilities>
    <ifrs-full:Liabilities contextRef="c-2863" decimals="-6" id="f-6967" unitRef="eur">62604000000</ifrs-full:Liabilities>
    <ifrs-full:Liabilities contextRef="c-2864" decimals="-6" id="f-6968" unitRef="eur">43717000000</ifrs-full:Liabilities>
    <ifrs-full:NetAssetsLiabilities contextRef="c-2861" decimals="-6" id="f-6969" unitRef="eur">7806000000</ifrs-full:NetAssetsLiabilities>
    <ifrs-full:NetAssetsLiabilities contextRef="c-2862" decimals="-6" id="f-6970" unitRef="eur">16073000000</ifrs-full:NetAssetsLiabilities>
    <ifrs-full:NetAssetsLiabilities contextRef="c-2863" decimals="-6" id="f-6971" unitRef="eur">5601000000</ifrs-full:NetAssetsLiabilities>
    <ifrs-full:NetAssetsLiabilities contextRef="c-2864" decimals="-6" id="f-6972" unitRef="eur">4109000000</ifrs-full:NetAssetsLiabilities>
    <ifrs-full:Revenue contextRef="c-2865" decimals="-6" id="f-6973" unitRef="eur">3724000000</ifrs-full:Revenue>
    <ifrs-full:Revenue contextRef="c-2866" decimals="-6" id="f-6974" unitRef="eur">12602000000</ifrs-full:Revenue>
    <ifrs-full:Revenue contextRef="c-2867" decimals="-6" id="f-6975" unitRef="eur">2714000000</ifrs-full:Revenue>
    <ifrs-full:Revenue contextRef="c-2868" decimals="-6" id="f-6976" unitRef="eur">1305000000</ifrs-full:Revenue>
    <ifrs-full:ProfitLoss contextRef="c-2865" decimals="-6" id="f-6977" unitRef="eur">1528000000</ifrs-full:ProfitLoss>
    <ifrs-full:ProfitLoss contextRef="c-2866" decimals="-6" id="f-6978" unitRef="eur">2388000000</ifrs-full:ProfitLoss>
    <ifrs-full:ProfitLoss contextRef="c-2867" decimals="-6" id="f-6979" unitRef="eur">1043000000</ifrs-full:ProfitLoss>
    <ifrs-full:ProfitLoss contextRef="c-2868" decimals="-6" id="f-6980" unitRef="eur">460000000</ifrs-full:ProfitLoss>
    <ifrs-full:DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemExplanatory contextRef="c-1" id="f-6981">Other comprehensive income&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The balances of 'Other comprehensive income' include the amounts, net of the related tax effect, of the adjustments to assets and liabilities recognised in equity through the consolidated statement of recognised income and expense. The amounts arising from subsidiaries are presented, on a line by line basis, in the appropriate items according to their nature.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Respect to items that may be reclassified to profit or loss, the consolidated statement of recognised income and expense includes changes in other comprehensive income as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Revaluation gains (losses): includes the amount of the income, net of the expenses incurred in the year, recognised directly in equity. The amounts recognised in equity in the year remain under this item, even if in the same year they are transferred to the income statement or to the initial carrying amount of the assets or liabilities or are reclassified to another line item.&lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;margin-top:27pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Amounts transferred to income statement: includes the amount of the revaluation gains and losses previously recognised in equity, even in the same year, which are recognised in the income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Amounts transferred to initial carrying amount of hedged items: includes the amount of the revaluation gains and losses previously recognised in equity, even in the same year, which are recognised in the initial carrying amount of assets or liabilities as a result of cash flow hedges.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Other reclassifications: includes the amount of the transfers made in the year between the different 'Other comprehensive income' items.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i37ce6061130a4953b42677c344ab40f3"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Breakdown of Other comprehensive income - Items that will not be reclassified in results and Items that can be classified in results&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.504%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:69.916%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.611%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.459%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.87pt;font-weight:400;line-height:105%;position:relative;top:-2.62pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other comprehensive income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(37,974)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(36,595)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(35,020)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Items that will not be reclassified to profit or loss&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(4,121)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(4,757)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5,212)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial gains and losses on defined benefit pension plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,896)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,404)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,324)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-current assets held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Share in other income and expenses recognised in investments, joint ventures and associates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other valuation adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(250)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(432)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(776)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Inefficiency of fair value hedges of equity instruments measured at fair value with changes in other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income (hedged item)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;264&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income (hedging instrument)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(208)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(284)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(264)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of financial liabilities measured at fair value through profit or loss attributable to changes in credit risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(113)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Items that may be reclassified to profit or loss&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(33,853)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(31,838)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(29,808)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedges of net investments in foreign operations (Effective portion)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7,343)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8,002)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8,684)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(25,475)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(22,375)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(19,510)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedging derivatives. Cash flow hedges (Effective portion)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;333&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(298)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(740)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of debt instruments measured at fair value with changes in other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(372)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(736)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(555)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedging instruments (items not designated)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-current assets classified as held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(590)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Share in other income and expenses recognised in investments, joint ventures and associates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(395)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(427)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(319)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Net amount of taxes and minorities&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i85def64fdd5244ef832565bedcad1013"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Other comprehensive income- Items not reclassified to profit or loss &#x2013; Actuarial gains or (-) losses on defined benefit pension plans &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;'Other comprehensive income&#160; &#x2014;Items not reclassified to profit or loss&#x2014;&#160; Actuarial gains or (-) losses on defined benefit pension plans' include the actuarial gains and losses and the return on plan assets, less the administrative expenses and taxes inherent to the plan, and any change in the effect of the asset ceiling, excluding amounts included in net interest on the net defined benefit liability (asset), attributed to the group net of taxes.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In 2025, the amount of actuarial losses (net of actuarial gains) recognized in the consolidated statement of recognised income was EUR 73 million, which corresponds to:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;In first place, due to the addition against equity of 2025 amounting to EUR 220 million - see note&#160;25.b&#160;-, with the following breakdown:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Increase of EUR 117 million in the cumulative actuarial losses relating to the Group&#xb4;s businesses in the UK, mainly due to the evolution of the asset portfolio. These losses have been partially offset by the evolution experienced in the discount rate-increase from 5.54% to 5.58%- in long-term inflation -decrease from 3.11% to 2.90%- and in other demographic hypotheses.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;text-indent:10.91pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Increase of EUR 116 million in accumulated actuarial losses corresponding to the Group&#x2019;s business in Brazil, mainly due to  the collective experience and the evolution of the asset portfolio. These losses have been partially offset by the evolution experienced by the discount rate -increase from 10.58% to 10.65% in the main pension benefits and 10.50% to 10.52% in medical benefits-.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Decrease of EUR 33 million in the accumulates actuarial losses relating to the Group&#xb4;s entities in Spain, mainly due to the evolution experienced by the discount rate -increase from 3.00% to 3.75%-.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Increase of EUR 20 million in the accumulated actuarial losses corresponding to the Group's businesses in other geographical areas.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;In second place, due to the evolution of exchange rates, a EUR 147 million decrease.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i4b537130286940c58c0e2f4aad091974"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;c) Other comprehensive income - Items that will not be reclassified in results - Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Since the entry into force of IFRS 9, no impairment analysis is performed of equity instruments recognised under 'Other comprehensive income'. IFRS 9 eliminates the need to carry out the impairment estimate on this class of equity instruments and the reclassification to profit and loss on the disposal of these assets, being recognised at fair value with changes in equity.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following is a breakdown of the composition of the balance as of 31 December 2025, 2024 and 2023 under 'Other comprehensive income - Items that will not be reclassified to profit or loss - Changes in the fair value of equity instruments measured at fair value with changes in other global result' depending on the geographical origin of the issuer:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.257%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.313%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Capital gains by valuation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Capital losses by valuation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net gains/losses by valuation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Domestic&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1326)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,279)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;133&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;International&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(81)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;United States&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Latin America and rest&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,013&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,013&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,926&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt 0 7.75pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,158&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,408)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(250)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,281&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Publicly listed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(49)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;985&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,993&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Non publicly listed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,359)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,235)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;288&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.257%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.313%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Capital gains by valuation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Capital losses by valuation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net gains/losses by valuation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Domestic&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,328)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,289)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;117&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;International&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;131&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(71)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;60&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;299&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;United States&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Latin America and rest&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;775&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;775&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,753&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;967&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,399)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(432)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Publicly listed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;779&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;728&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,780&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Non publicly listed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;188&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,348)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,160)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.257%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.313%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Capital gains by valuation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Capital losses by valuation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net gains/losses by valuation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Domestic&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,173)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,141)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;252&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;International&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;117&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(71)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;United States&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Latin America and rest&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;370&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(67)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;303&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,223&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt 0 7.75pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;535&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,311)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(776)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,761&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Publicly listed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;316&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(118)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,225&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Non publicly listed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;219&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,193)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(974)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;536&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="idcd264dac29b45429a3deab37d601ee3"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;d) Other comprehensive income - Items that may be reclassified to profit or loss - Hedge of net investments in foreign operations (effective portion) and exchange differences&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The change in 2025 reflects the depreciation of the US dollar, pound sterling, Argentine peso, Chilean peso and Brazilian real and the positive effect of the appreciation of the Mexican peso, whereas the change in 2024 reflected the positive effect of the appreciation of pound sterling, the US dollar and Polish zloty and the negative effect of the depreciation of the Brazilian real, Argentine peso, Mexican peso and Chilean peso. The change in 2023 reflected  the positive effect of the appreciation of the Brazilian real, pound sterling, Polish zloty and the Mexican peso and the negative effect of the depreciation of the US dollar, Argentine peso and Chilean peso.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Of the change in the balance in these years, a &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:130%"&gt;loss&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; of EUR 287 million, a loss of EUR 568 million and a profit of EUR 249 million in 2025, 2024 and 2023, respectively relate to the measurement of goodwill.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by country is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:42.109%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.729%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net balance at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32,818)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(30,377)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(28,194)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(19,412)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(19,293)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(16,340)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(4,137)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3,995)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,942)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(4,125)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3,444)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3,964)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Chilean peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,926)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,857)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,531)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Argentine peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,217)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,090)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,655)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Polish zloty&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(43)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(709)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(786)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,047&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,923&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,819&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,005)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(912)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(795)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The breakdown of translation differences by currency is as follows&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.929%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.324%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.324%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.324%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.324%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.324%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.324%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.327%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at the beginning of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at the end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Movement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;From goodwill&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;From results&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;From net assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;From transfers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16,664)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16,755)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(91)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(37)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,300)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,126)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(826)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(48)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(760)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,437)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,222)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Argentine peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,090)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,216)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(126)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(126)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chilean peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,180)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,249)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(69)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(66)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,340&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,122)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(225)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(48)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,849)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Polish zloty&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(202)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(964)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,265)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(301)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(306)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(22,375)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(25,475)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(3,100)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(287)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(52)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,976)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;215&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Profit and loss items are translated into euros at the average exchange rate for the year as described in note 2 a) ii.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;It includes the accumulated exchange differences of Santander Polska transferred to the heading 'Other comprehensive income - Items that may be reclassified to profit or loss - Non-current assets held for sale' (see Note 12).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.532%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at the beginning of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at the end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Movement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;From goodwill&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;From results&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;From net assets&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,287)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16,664)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,377)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(631)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(206)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,540)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,064)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,300)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;764&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;703&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,437)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,373)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(82)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(136)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,155)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Argentine peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,658)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,090)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chilean peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,890)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,180)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(290)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(34)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(249)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,433&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;878&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Polish zloty&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(325)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(202)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;123&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;84&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(655)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(964)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(309)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(291)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(19,510)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(22,375)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,865)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(568)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(295)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,002)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Profit and loss items are translated into euros at the average exchange rate for the year as described in note 2 a) ii.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:3.82pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.532%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at the beginning of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at the end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Movement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;From goodwill&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;From results&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;From net assets&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14,199)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,287)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,446)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,064)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;358&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,132)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,068&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;965&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Argentine peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,754)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,658)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(904)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(900)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chilean peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,605)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,890)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(285)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(34)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(219)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,062&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,433&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(629)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(549)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Polish zloty&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(776)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(325)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;451&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;87&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(570)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(655)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(85)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(73)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(20,420)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(19,510)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;910&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;249&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;37&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;624&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Profit and loss items are translated into euros at the average exchange rate for the year as described in note 2 a) ii.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i10bcda0f0bc34fe6a2b866d48d971ea4"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;e) Other comprehensive income -Items that may be reclassified to profit or loss - Hedging derivatives &#x2013; Cash flow hedges (Effective portion)&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Other comprehensive income &#x2013; Items that may be reclassified to profit or loss - Cash flow hedges includes the gains or losses attributable to hedging instruments that qualify as effective hedges. These amounts will remain under this heading until they are recognised in the consolidated income statement in the periods in which the hedged items affect it.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt;padding-right:263.62pt"&gt;&lt;span id="i23701e5b6856478e9bf19acfff93b2ca"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;f) Other comprehensive income - Items that may be reclassified to profit or loss &#x2013; Changes in the fair value of debt instruments measured at fair value with changes in other comprehensive income&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Includes the net amount of unrealised changes in the fair value of assets classified as Changes in the fair value of debt instruments measured at fair value with changes in other comprehensive income (see note 7).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The breakdown, by type of instrument and geographical origin of the issuer, of 'Other comprehensive income &#x2013; Items that may be reclassified to profit or loss - Changes in the fair value of debt instruments measured at fair value with changes in other comprehensive income' at 31 December 2025, 2024 and 2023 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:15pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:35.398%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.775%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.775%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.775%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.777%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Revaluation gains&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Revaluation losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net revaluation gains/ (losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issued by Public-sector&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,142&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(36)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;173&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,856&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;America and rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;109&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(528)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(419)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,685&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issued by Private-sector&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(53)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,745&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,445&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;America and rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(273)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(233)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,458&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt 0 7.75pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;533&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(905)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(372)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;72,331&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:15pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:35.804%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.673%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.673%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.673%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Revaluation gains&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Revaluation losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net revaluation gains/ (losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issued by Public-sector&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,764&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;268&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15,413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;America and rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(944)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(868)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issued by Private-sector&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;96&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;73&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,019&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;America and rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(265)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(249)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;584&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,320)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(736)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;87,705&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:35.804%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.673%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.673%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.673%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Revaluation gains&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Revaluation losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net revaluation gains/ (losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issued by Public-sector&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;333&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(96)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;237&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;18,258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;America and rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;194&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(820)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(626)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,169&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issued by Private-sector&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;89&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,129&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(30)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;America and rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(267)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(261)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,106&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;667&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,222)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(555)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;81,547&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group estimates the expected losses on debt instruments measured at fair value with changes in other comprehensive income. These losses are recorded with a charge to the consolidated income statement for the period.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At the end of the year 2025, the Group recorded a provision of EUR 29 million under the heading 'Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss'. In 2024, the Group did not record any provision in this regard and at the end of the year 2023, the Group recorded EUR 24 million.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i9db315e67156459588dfd4ccaa24501a"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;g) Other comprehensive income - Items that may be reclassified to profit or loss and Items not reclassified to profit or loss - Other recognised income and expense of investments in subsidiaries, joint ventures and associates&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, the heading includes a negative amount of EUR 394&#160;million (EUR 428&#160;million and EUR 318&#160;million in 2024 and 2023, respectively). Of the variation in the balance of said years, a gain of EUR 17&#160;million, EUR 45&#160;million EUR 44&#160;million and has been transferred to results in the years 2025, 2024 and 2023, respectively.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemExplanatory>
    <san:DisclosureOfOtherComprehensiveIncomeComponentsTableTextBlock contextRef="c-1" id="f-6982">&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.504%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:69.916%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.611%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.459%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.87pt;font-weight:400;line-height:105%;position:relative;top:-2.62pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other comprehensive income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(37,974)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(36,595)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(35,020)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Items that will not be reclassified to profit or loss&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(4,121)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(4,757)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5,212)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial gains and losses on defined benefit pension plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,896)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,404)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,324)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-current assets held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Share in other income and expenses recognised in investments, joint ventures and associates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other valuation adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(250)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(432)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(776)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Inefficiency of fair value hedges of equity instruments measured at fair value with changes in other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income (hedged item)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;264&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of equity instruments measured at fair value with changes in other comprehensive income (hedging instrument)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(208)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(284)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(264)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of financial liabilities measured at fair value through profit or loss attributable to changes in credit risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(113)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Items that may be reclassified to profit or loss&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(33,853)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(31,838)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(29,808)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedges of net investments in foreign operations (Effective portion)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7,343)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8,002)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8,684)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(25,475)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(22,375)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(19,510)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedging derivatives. Cash flow hedges (Effective portion)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;333&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(298)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(740)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of debt instruments measured at fair value with changes in other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(372)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(736)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(555)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedging instruments (items not designated)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-current assets classified as held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(590)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Share in other income and expenses recognised in investments, joint ventures and associates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(395)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(427)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(319)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Net amount of taxes and minorities&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfOtherComprehensiveIncomeComponentsTableTextBlock>
    <ifrs-full:AccumulatedOtherComprehensiveIncome contextRef="c-2" decimals="-6" id="f-6983" unitRef="eur">-37974000000</ifrs-full:AccumulatedOtherComprehensiveIncome>
    <ifrs-full:AccumulatedOtherComprehensiveIncome contextRef="c-3" decimals="-6" id="f-6984" unitRef="eur">-36595000000</ifrs-full:AccumulatedOtherComprehensiveIncome>
    <ifrs-full:AccumulatedOtherComprehensiveIncome contextRef="c-4" decimals="-6" id="f-6985" unitRef="eur">-35020000000</ifrs-full:AccumulatedOtherComprehensiveIncome>
    <san:OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss contextRef="c-2" decimals="-6" id="f-6986" unitRef="eur">-4121000000</san:OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss>
    <san:OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss contextRef="c-3" decimals="-6" id="f-6987" unitRef="eur">-4757000000</san:OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss>
    <san:OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss contextRef="c-4" decimals="-6" id="f-6988" unitRef="eur">-5212000000</san:OtherComprehensiveIncomeItemsThatWillNotBeReclassifiedToProfitOrLoss>
    <ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans contextRef="c-2" decimals="-6" id="f-6989" unitRef="eur">-3896000000</ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans>
    <ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans contextRef="c-3" decimals="-6" id="f-6990" unitRef="eur">-4404000000</ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans>
    <ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans contextRef="c-4" decimals="-6" id="f-6991" unitRef="eur">-4324000000</ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans>
    <san:OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss contextRef="c-2" decimals="-6" id="f-6992" unitRef="eur">56000000</san:OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss>
    <san:OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss contextRef="c-3" decimals="-6" id="f-6993" unitRef="eur">0</san:OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss>
    <san:OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss contextRef="c-4" decimals="-6" id="f-6994" unitRef="eur">0</san:OtherReservesNonCurrentAssetsHeldForSaleNotReclassifiedToProfitOrLoss>
    <san:AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities contextRef="c-2" decimals="-6" id="f-6995" unitRef="eur">1000000</san:AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities>
    <san:AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities contextRef="c-3" decimals="-6" id="f-6996" unitRef="eur">-1000000</san:AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities>
    <san:AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities contextRef="c-4" decimals="-6" id="f-6997" unitRef="eur">1000000</san:AmountRecognisedInOtherComprehensiveIncomeAndAccumulatedInEquityRelatingToInvestmentsInAssociatedEntities>
    <san:OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax contextRef="c-2" decimals="-6" id="f-6998" unitRef="eur">0</san:OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax>
    <san:OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax contextRef="c-3" decimals="-6" id="f-6999" unitRef="eur">0</san:OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax>
    <san:OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax contextRef="c-4" decimals="-6" id="f-7000" unitRef="eur">0</san:OtherValuationAdjustmentsNotReclassifiedToProfitOrLossNetOfTax>
    <ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments contextRef="c-2" decimals="-6" id="f-7001" unitRef="eur">-250000000</ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments>
    <ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments contextRef="c-3" decimals="-6" id="f-7002" unitRef="eur">-432000000</ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments>
    <ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments contextRef="c-4" decimals="-6" id="f-7003" unitRef="eur">-776000000</ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments>
    <san:HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2" decimals="-6" id="f-7004" unitRef="eur">0</san:HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <san:HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-3" decimals="-6" id="f-7005" unitRef="eur">0</san:HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <san:HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-4" decimals="-6" id="f-7006" unitRef="eur">0</san:HedgeIneffectivenessMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <san:OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem contextRef="c-2" decimals="-6" id="f-7007" unitRef="eur">208000000</san:OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem>
    <san:OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem contextRef="c-3" decimals="-6" id="f-7008" unitRef="eur">284000000</san:OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem>
    <san:OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem contextRef="c-4" decimals="-6" id="f-7009" unitRef="eur">264000000</san:OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedItem>
    <san:OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument contextRef="c-2" decimals="-6" id="f-7010" unitRef="eur">-208000000</san:OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument>
    <san:OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument contextRef="c-3" decimals="-6" id="f-7011" unitRef="eur">-284000000</san:OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument>
    <san:OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument contextRef="c-4" decimals="-6" id="f-7012" unitRef="eur">-264000000</san:OtherReservesOtherComprehensiveIncomeBeforeTaxGainsLossesOnHedgedInstrument>
    <ifrs-full:ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability contextRef="c-2" decimals="-6" id="f-7013" unitRef="eur">-32000000</ifrs-full:ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability>
    <ifrs-full:ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability contextRef="c-3" decimals="-6" id="f-7014" unitRef="eur">80000000</ifrs-full:ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability>
    <ifrs-full:ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability contextRef="c-4" decimals="-6" id="f-7015" unitRef="eur">-113000000</ifrs-full:ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability>
    <san:OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss contextRef="c-2" decimals="-6" id="f-7016" unitRef="eur">-33853000000</san:OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss>
    <san:OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss contextRef="c-3" decimals="-6" id="f-7017" unitRef="eur">-31838000000</san:OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss>
    <san:OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss contextRef="c-4" decimals="-6" id="f-7018" unitRef="eur">-29808000000</san:OtherComprehensiveIncomeItemsThatMayBeReclassifiedToProfitOrLoss>
    <ifrs-full:ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments contextRef="c-2" decimals="-6" id="f-7019" unitRef="eur">-7343000000</ifrs-full:ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments>
    <ifrs-full:ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments contextRef="c-3" decimals="-6" id="f-7020" unitRef="eur">-8002000000</ifrs-full:ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments>
    <ifrs-full:ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments contextRef="c-4" decimals="-6" id="f-7021" unitRef="eur">-8684000000</ifrs-full:ReserveOfGainsAndLossesOnHedgingInstrumentsThatHedgeInvestmentsInEquityInstruments>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-2" decimals="-6" id="f-7022" unitRef="eur">-25475000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-3" decimals="-6" id="f-7023" unitRef="eur">-22375000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-4" decimals="-6" id="f-7024" unitRef="eur">-19510000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:ReserveOfCashFlowHedges contextRef="c-2" decimals="-6" id="f-7025" unitRef="eur">333000000</ifrs-full:ReserveOfCashFlowHedges>
    <ifrs-full:ReserveOfCashFlowHedges contextRef="c-3" decimals="-6" id="f-7026" unitRef="eur">-298000000</ifrs-full:ReserveOfCashFlowHedges>
    <ifrs-full:ReserveOfCashFlowHedges contextRef="c-4" decimals="-6" id="f-7027" unitRef="eur">-740000000</ifrs-full:ReserveOfCashFlowHedges>
    <ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2" decimals="-6" id="f-7028" unitRef="eur">-372000000</ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-3" decimals="-6" id="f-7029" unitRef="eur">-736000000</ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-4" decimals="-6" id="f-7030" unitRef="eur">-555000000</ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome>
    <san:OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated contextRef="c-2" decimals="-6" id="f-7031" unitRef="eur">-11000000</san:OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated>
    <san:OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated contextRef="c-3" decimals="-6" id="f-7032" unitRef="eur">0</san:OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated>
    <san:OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated contextRef="c-4" decimals="-6" id="f-7033" unitRef="eur">0</san:OtherReservesOtherComprehensiveIncomeBeforeTaxHedgingInstrumentsNotDesignated>
    <san:OtherReservesNonCurrentAssetsHeldForSaleThatMayBeReclassifiedToProfitOrLossNetOfTax contextRef="c-2" decimals="-6" id="f-7034" unitRef="eur">-590000000</san:OtherReservesNonCurrentAssetsHeldForSaleThatMayBeReclassifiedToProfitOrLossNetOfTax>
    <san:OtherReservesNonCurrentAssetsHeldForSaleThatMayBeReclassifiedToProfitOrLossNetOfTax contextRef="c-3" decimals="-6" id="f-7035" unitRef="eur">0</san:OtherReservesNonCurrentAssetsHeldForSaleThatMayBeReclassifiedToProfitOrLossNetOfTax>
    <san:OtherReservesNonCurrentAssetsHeldForSaleThatMayBeReclassifiedToProfitOrLossNetOfTax contextRef="c-4" decimals="-6" id="f-7036" unitRef="eur">0</san:OtherReservesNonCurrentAssetsHeldForSaleThatMayBeReclassifiedToProfitOrLossNetOfTax>
    <san:AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities contextRef="c-2" decimals="-6" id="f-7037" unitRef="eur">-395000000</san:AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities>
    <san:AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities contextRef="c-3" decimals="-6" id="f-7038" unitRef="eur">-427000000</san:AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities>
    <san:AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities contextRef="c-4" decimals="-6" id="f-7039" unitRef="eur">-319000000</san:AmountRecognisedInOtherComprehensiveIncomeAndSubjectToReclassificationToProfitOrLossRelatingToInvestmentsInAssociatedEntities>
    <ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans contextRef="c-1" decimals="-6" id="f-7040" unitRef="eur">-73000000</ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans>
    <san:IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions contextRef="c-1" decimals="-6" id="f-7041" unitRef="eur">220000000</san:IncreaseDecreaseThroughChangesInValueRecognizedInEquityProvisions>
    <ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset contextRef="c-2565" decimals="-6" id="f-7042" unitRef="eur">-117000000</ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset>
    <ifrs-full:ActuarialAssumptionOfDiscountRates
      contextRef="c-2569"
      decimals="4"
      id="f-7043"
      unitRef="number">0.0554</ifrs-full:ActuarialAssumptionOfDiscountRates>
    <ifrs-full:ActuarialAssumptionOfDiscountRates
      contextRef="c-2568"
      decimals="4"
      id="f-7044"
      unitRef="number">0.0558</ifrs-full:ActuarialAssumptionOfDiscountRates>
    <ifrs-full:OtherMaterialActuarialAssumptions
      contextRef="c-2569"
      decimals="4"
      id="f-7045"
      unitRef="number">0.0311</ifrs-full:OtherMaterialActuarialAssumptions>
    <ifrs-full:OtherMaterialActuarialAssumptions
      contextRef="c-2568"
      decimals="4"
      id="f-7046"
      unitRef="number">0.0290</ifrs-full:OtherMaterialActuarialAssumptions>
    <ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset contextRef="c-2729" decimals="-6" id="f-7047" unitRef="eur">-116000000</ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases
      contextRef="c-2869"
      decimals="4"
      id="f-7048"
      unitRef="number">0.1058</ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases>
    <ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases
      contextRef="c-2610"
      decimals="4"
      id="f-7049"
      unitRef="number">0.1065</ifrs-full:ActuarialAssumptionOfExpectedRatesOfPensionIncreases>
    <ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates
      contextRef="c-2869"
      decimals="4"
      id="f-7050"
      unitRef="number">0.1050</ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates>
    <ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates
      contextRef="c-2610"
      decimals="4"
      id="f-7051"
      unitRef="number">0.1052</ifrs-full:ActuarialAssumptionOfMedicalCostTrendRates>
    <ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset contextRef="c-2505" decimals="-6" id="f-7052" unitRef="eur">33000000</ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset>
    <ifrs-full:ActuarialAssumptionOfDiscountRates
      contextRef="c-2491"
      decimals="4"
      id="f-7053"
      unitRef="number">0.0300</ifrs-full:ActuarialAssumptionOfDiscountRates>
    <ifrs-full:ActuarialAssumptionOfDiscountRates
      contextRef="c-307"
      decimals="4"
      id="f-7054"
      unitRef="number">0.0375</ifrs-full:ActuarialAssumptionOfDiscountRates>
    <ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset contextRef="c-2870" decimals="-6" id="f-7055" unitRef="eur">-20000000</ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset>
    <ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromMiscellaneousOtherChanges contextRef="c-1" decimals="-6" id="f-7056" unitRef="eur">-147000000</ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAssetResultingFromMiscellaneousOtherChanges>
    <san:DisclosureOfOtherComprehensiveIncomeChangesInFairValueThatWillNotBeReclassifiedToProfitOrLossTableTextBlock contextRef="c-1" id="f-7057">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following is a breakdown of the composition of the balance as of 31 December 2025, 2024 and 2023 under 'Other comprehensive income - Items that will not be reclassified to profit or loss - Changes in the fair value of equity instruments measured at fair value with changes in other global result' depending on the geographical origin of the issuer:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.257%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.313%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Capital gains by valuation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Capital losses by valuation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net gains/losses by valuation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Domestic&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1326)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,279)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;133&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;International&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(81)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;United States&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Latin America and rest&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,013&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,013&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,926&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt 0 7.75pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,158&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,408)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(250)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,281&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Publicly listed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(49)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;985&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,993&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Non publicly listed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,359)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,235)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;288&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.257%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.313%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Capital gains by valuation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Capital losses by valuation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net gains/losses by valuation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Domestic&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,328)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,289)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;117&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;International&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;131&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(71)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;60&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;299&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;United States&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Latin America and rest&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;775&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;775&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,753&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;967&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,399)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(432)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Publicly listed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;779&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;728&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,780&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Non publicly listed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;188&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,348)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,160)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.257%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.313%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Capital gains by valuation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Capital losses by valuation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net gains/losses by valuation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Domestic&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,173)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,141)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;252&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;International&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;117&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(71)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;United States&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Latin America and rest&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;370&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(67)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;303&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,223&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt 0 7.75pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;535&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,311)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(776)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,761&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Publicly listed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;316&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(118)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,225&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Non publicly listed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;219&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,193)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(974)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;536&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfOtherComprehensiveIncomeChangesInFairValueThatWillNotBeReclassifiedToProfitOrLossTableTextBlock>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains contextRef="c-2871" decimals="-6" id="f-7058" unitRef="eur">47000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses contextRef="c-2871" decimals="-6" id="f-7059" unitRef="eur">1326000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses>
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    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2871" decimals="-6" id="f-7061" unitRef="eur">133000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains contextRef="c-2872" decimals="-6" id="f-7062" unitRef="eur">75000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses contextRef="c-2872" decimals="-6" id="f-7063" unitRef="eur">81000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses>
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    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains contextRef="c-2873" decimals="-6" id="f-7066" unitRef="eur">23000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses contextRef="c-2873" decimals="-6" id="f-7067" unitRef="eur">1000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses>
    <ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments contextRef="c-2873" decimals="-6" id="f-7068" unitRef="eur">22000000</ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments>
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    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses contextRef="c-2874" decimals="-6" id="f-7071" unitRef="eur">0</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses>
    <ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments contextRef="c-2874" decimals="-6" id="f-7072" unitRef="eur">1013000000</ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2874" decimals="-6" id="f-7073" unitRef="eur">1926000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
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    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses contextRef="c-2875" decimals="-6" id="f-7079" unitRef="eur">49000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses>
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    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses contextRef="c-2877" decimals="-6" id="f-7087" unitRef="eur">1328000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses>
    <ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments contextRef="c-2877" decimals="-6" id="f-7088" unitRef="eur">-1289000000</ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments>
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    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains contextRef="c-2878" decimals="-6" id="f-7090" unitRef="eur">131000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses contextRef="c-2878" decimals="-6" id="f-7091" unitRef="eur">71000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses>
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    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses contextRef="c-2879" decimals="-6" id="f-7095" unitRef="eur">0</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses>
    <ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments contextRef="c-2879" decimals="-6" id="f-7096" unitRef="eur">22000000</ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2879" decimals="-6" id="f-7097" unitRef="eur">24000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains contextRef="c-2880" decimals="-6" id="f-7098" unitRef="eur">775000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses contextRef="c-2880" decimals="-6" id="f-7099" unitRef="eur">0</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses>
    <ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments contextRef="c-2880" decimals="-6" id="f-7100" unitRef="eur">775000000</ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2880" decimals="-6" id="f-7101" unitRef="eur">1753000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains contextRef="c-9" decimals="-6" id="f-7102" unitRef="eur">967000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses contextRef="c-9" decimals="-6" id="f-7103" unitRef="eur">1399000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses>
    <ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments contextRef="c-9" decimals="-6" id="f-7104" unitRef="eur">-432000000</ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-9" decimals="-6" id="f-7105" unitRef="eur">2193000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains contextRef="c-2881" decimals="-6" id="f-7106" unitRef="eur">779000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses contextRef="c-2881" decimals="-6" id="f-7107" unitRef="eur">51000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses>
    <ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments contextRef="c-2881" decimals="-6" id="f-7108" unitRef="eur">728000000</ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2881" decimals="-6" id="f-7109" unitRef="eur">1780000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains contextRef="c-2882" decimals="-6" id="f-7110" unitRef="eur">188000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses contextRef="c-2882" decimals="-6" id="f-7111" unitRef="eur">1348000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses>
    <ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments contextRef="c-2882" decimals="-6" id="f-7112" unitRef="eur">-1160000000</ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2882" decimals="-6" id="f-7113" unitRef="eur">413000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains contextRef="c-2883" decimals="-6" id="f-7114" unitRef="eur">32000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses contextRef="c-2883" decimals="-6" id="f-7115" unitRef="eur">1173000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses>
    <ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments contextRef="c-2883" decimals="-6" id="f-7116" unitRef="eur">-1141000000</ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2883" decimals="-6" id="f-7117" unitRef="eur">252000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains contextRef="c-2884" decimals="-6" id="f-7118" unitRef="eur">117000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses contextRef="c-2884" decimals="-6" id="f-7119" unitRef="eur">71000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses>
    <ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments contextRef="c-2884" decimals="-6" id="f-7120" unitRef="eur">46000000</ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2884" decimals="-6" id="f-7121" unitRef="eur">267000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains contextRef="c-2885" decimals="-6" id="f-7122" unitRef="eur">16000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses contextRef="c-2885" decimals="-6" id="f-7123" unitRef="eur">0</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses>
    <ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments contextRef="c-2885" decimals="-6" id="f-7124" unitRef="eur">16000000</ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2885" decimals="-6" id="f-7125" unitRef="eur">19000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains contextRef="c-2886" decimals="-6" id="f-7126" unitRef="eur">370000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses contextRef="c-2886" decimals="-6" id="f-7127" unitRef="eur">67000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses>
    <ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments contextRef="c-2886" decimals="-6" id="f-7128" unitRef="eur">303000000</ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2886" decimals="-6" id="f-7129" unitRef="eur">1223000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains contextRef="c-10" decimals="-6" id="f-7130" unitRef="eur">535000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses contextRef="c-10" decimals="-6" id="f-7131" unitRef="eur">1311000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses>
    <ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments contextRef="c-10" decimals="-6" id="f-7132" unitRef="eur">-776000000</ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-10" decimals="-6" id="f-7133" unitRef="eur">1761000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains contextRef="c-2887" decimals="-6" id="f-7134" unitRef="eur">316000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses contextRef="c-2887" decimals="-6" id="f-7135" unitRef="eur">118000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses>
    <ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments contextRef="c-2887" decimals="-6" id="f-7136" unitRef="eur">198000000</ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2887" decimals="-6" id="f-7137" unitRef="eur">1225000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains contextRef="c-2888" decimals="-6" id="f-7138" unitRef="eur">219000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedGains>
    <san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses contextRef="c-2888" decimals="-6" id="f-7139" unitRef="eur">1193000000</san:ReserveOfGainsAndLossesFromInvestmentInEquityInstrumentsAccumulatedLosses>
    <ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments contextRef="c-2888" decimals="-6" id="f-7140" unitRef="eur">-974000000</ifrs-full:ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments>
    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2888" decimals="-6" id="f-7141" unitRef="eur">536000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss contextRef="c-2889" decimals="-6" id="f-7142" unitRef="eur">-287000000</ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss>
    <ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss contextRef="c-2890" decimals="-6" id="f-7143" unitRef="eur">-568000000</ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss>
    <ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss contextRef="c-2891" decimals="-6" id="f-7144" unitRef="eur">249000000</ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss>
    <san:DisclosureOfOtherComprehensiveIncomeExchangeDifferencesInForeignOperationsThatMayBeReclassifiedToProfitOrLossTableTextBlock contextRef="c-1" id="f-7145">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by country is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:42.109%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.729%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net balance at end of&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32,818)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(30,377)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(28,194)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(19,412)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(19,293)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(16,340)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(4,137)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3,995)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,942)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(4,125)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3,444)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3,964)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Chilean peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,926)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,857)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,531)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Argentine peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,217)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,090)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2,655)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Polish zloty&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(43)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(709)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(786)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,047&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,923&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,819&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,005)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(912)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(795)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The breakdown of translation differences by currency is as follows&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.929%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.324%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.324%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.324%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.324%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.324%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.324%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.327%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at the beginning of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at the end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Movement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;From goodwill&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;From results&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;From net assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;From transfers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16,664)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16,755)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(91)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(37)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,300)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,126)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(826)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(48)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(760)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,437)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,222)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Argentine peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,090)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,216)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(126)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(126)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chilean peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,180)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,249)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(69)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(66)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,340&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,122)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(225)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(48)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,849)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Polish zloty&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(202)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(964)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,265)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(301)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(306)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(22,375)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(25,475)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(3,100)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(287)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(52)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,976)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;215&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Profit and loss items are translated into euros at the average exchange rate for the year as described in note 2 a) ii.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;It includes the accumulated exchange differences of Santander Polska transferred to the heading 'Other comprehensive income - Items that may be reclassified to profit or loss - Non-current assets held for sale' (see Note 12).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.532%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at the beginning of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at the end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Movement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;From goodwill&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;From results&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;From net assets&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,287)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16,664)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,377)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(631)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(206)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,540)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,064)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,300)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;764&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;703&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,437)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,373)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(82)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(136)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,155)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Argentine peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,658)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,090)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chilean peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,890)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,180)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(290)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(34)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(249)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,433&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;878&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Polish zloty&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(325)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(202)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;123&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;84&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(655)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(964)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(309)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(291)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(19,510)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(22,375)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,865)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(568)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(295)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,002)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Profit and loss items are translated into euros at the average exchange rate for the year as described in note 2 a) ii.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:3.82pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.532%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at the beginning of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at the end of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Movement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;From goodwill&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;From results&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;From net assets&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazilian real&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14,199)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,287)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pound sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,446)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,064)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;358&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mexican peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,132)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,068&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;965&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Argentine peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,754)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,658)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(904)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(900)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chilean peso&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,605)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,890)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(285)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(34)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(219)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,062&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,433&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(629)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(549)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Polish zloty&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(776)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(325)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;451&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;87&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(570)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(655)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(85)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(73)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(20,420)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(19,510)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;910&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;249&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;37&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;624&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Profit and loss items are translated into euros at the average exchange rate for the year as described in note 2 a) ii.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfOtherComprehensiveIncomeExchangeDifferencesInForeignOperationsThatMayBeReclassifiedToProfitOrLossTableTextBlock>
    <san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation contextRef="c-2" decimals="-6" id="f-7146" unitRef="eur">-32818000000</san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation>
    <san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation contextRef="c-3" decimals="-6" id="f-7147" unitRef="eur">-30377000000</san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation>
    <san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation contextRef="c-4" decimals="-6" id="f-7148" unitRef="eur">-28194000000</san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation>
    <san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation contextRef="c-282" decimals="-6" id="f-7149" unitRef="eur">-19412000000</san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation>
    <san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation contextRef="c-283" decimals="-6" id="f-7150" unitRef="eur">-19293000000</san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation>
    <san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation contextRef="c-284" decimals="-6" id="f-7151" unitRef="eur">-16340000000</san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation>
    <san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation contextRef="c-279" decimals="-6" id="f-7152" unitRef="eur">-4137000000</san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation>
    <san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation contextRef="c-280" decimals="-6" id="f-7153" unitRef="eur">-3995000000</san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation>
    <san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation contextRef="c-281" decimals="-6" id="f-7154" unitRef="eur">-2942000000</san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation>
    <san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation contextRef="c-276" decimals="-6" id="f-7155" unitRef="eur">-4125000000</san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation>
    <san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation contextRef="c-277" decimals="-6" id="f-7156" unitRef="eur">-3444000000</san:ReserveOfHedgeOfNetInvestmentsInForeignOperationsEffectivePortionAndExchangeDifferencesOnTranslation>
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    <san:ForeignExchangeGainLossGoodwill contextRef="c-2936" decimals="-6" id="f-7287" unitRef="eur">-568000000</san:ForeignExchangeGainLossGoodwill>
    <san:ForeignExchangeGainLossResults contextRef="c-2936" decimals="-6" id="f-7288" unitRef="eur">-295000000</san:ForeignExchangeGainLossResults>
    <san:ForeignExchangeGainLossNetAssets contextRef="c-2936" decimals="-6" id="f-7289" unitRef="eur">-2002000000</san:ForeignExchangeGainLossNetAssets>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-2937" decimals="-6" id="f-7290" unitRef="eur">-14199000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-2919" decimals="-6" id="f-7291" unitRef="eur">-13287000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss contextRef="c-2938" decimals="-6" id="f-7292" unitRef="eur">912000000</ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss>
    <san:ForeignExchangeGainLossGoodwill contextRef="c-2938" decimals="-6" id="f-7293" unitRef="eur">191000000</san:ForeignExchangeGainLossGoodwill>
    <san:ForeignExchangeGainLossResults contextRef="c-2938" decimals="-6" id="f-7294" unitRef="eur">11000000</san:ForeignExchangeGainLossResults>
    <san:ForeignExchangeGainLossNetAssets contextRef="c-2938" decimals="-6" id="f-7295" unitRef="eur">710000000</san:ForeignExchangeGainLossNetAssets>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-2939" decimals="-6" id="f-7296" unitRef="eur">-4446000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-2921" decimals="-6" id="f-7297" unitRef="eur">-4064000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss contextRef="c-2940" decimals="-6" id="f-7298" unitRef="eur">382000000</ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss>
    <san:ForeignExchangeGainLossGoodwill contextRef="c-2940" decimals="-6" id="f-7299" unitRef="eur">20000000</san:ForeignExchangeGainLossGoodwill>
    <san:ForeignExchangeGainLossResults contextRef="c-2940" decimals="-6" id="f-7300" unitRef="eur">4000000</san:ForeignExchangeGainLossResults>
    <san:ForeignExchangeGainLossNetAssets contextRef="c-2940" decimals="-6" id="f-7301" unitRef="eur">358000000</san:ForeignExchangeGainLossNetAssets>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-2941" decimals="-6" id="f-7302" unitRef="eur">-1132000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-2923" decimals="-6" id="f-7303" unitRef="eur">-64000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss contextRef="c-2942" decimals="-6" id="f-7304" unitRef="eur">1068000000</ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss>
    <san:ForeignExchangeGainLossGoodwill contextRef="c-2942" decimals="-6" id="f-7305" unitRef="eur">62000000</san:ForeignExchangeGainLossGoodwill>
    <san:ForeignExchangeGainLossResults contextRef="c-2942" decimals="-6" id="f-7306" unitRef="eur">41000000</san:ForeignExchangeGainLossResults>
    <san:ForeignExchangeGainLossNetAssets contextRef="c-2942" decimals="-6" id="f-7307" unitRef="eur">965000000</san:ForeignExchangeGainLossNetAssets>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-2943" decimals="-6" id="f-7308" unitRef="eur">-1754000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-2925" decimals="-6" id="f-7309" unitRef="eur">-2658000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss contextRef="c-2944" decimals="-6" id="f-7310" unitRef="eur">-904000000</ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss>
    <san:ForeignExchangeGainLossGoodwill contextRef="c-2944" decimals="-6" id="f-7311" unitRef="eur">-4000000</san:ForeignExchangeGainLossGoodwill>
    <san:ForeignExchangeGainLossResults contextRef="c-2944" decimals="-6" id="f-7312" unitRef="eur">0</san:ForeignExchangeGainLossResults>
    <san:ForeignExchangeGainLossNetAssets contextRef="c-2944" decimals="-6" id="f-7313" unitRef="eur">-900000000</san:ForeignExchangeGainLossNetAssets>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-2945" decimals="-6" id="f-7314" unitRef="eur">-1605000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-2927" decimals="-6" id="f-7315" unitRef="eur">-1890000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss contextRef="c-2946" decimals="-6" id="f-7316" unitRef="eur">-285000000</ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss>
    <san:ForeignExchangeGainLossGoodwill contextRef="c-2946" decimals="-6" id="f-7317" unitRef="eur">-32000000</san:ForeignExchangeGainLossGoodwill>
    <san:ForeignExchangeGainLossResults contextRef="c-2946" decimals="-6" id="f-7318" unitRef="eur">-34000000</san:ForeignExchangeGainLossResults>
    <san:ForeignExchangeGainLossNetAssets contextRef="c-2946" decimals="-6" id="f-7319" unitRef="eur">-219000000</san:ForeignExchangeGainLossNetAssets>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-2947" decimals="-6" id="f-7320" unitRef="eur">4062000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-2929" decimals="-6" id="f-7321" unitRef="eur">3433000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss contextRef="c-2948" decimals="-6" id="f-7322" unitRef="eur">-629000000</ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss>
    <san:ForeignExchangeGainLossGoodwill contextRef="c-2948" decimals="-6" id="f-7323" unitRef="eur">-64000000</san:ForeignExchangeGainLossGoodwill>
    <san:ForeignExchangeGainLossResults contextRef="c-2948" decimals="-6" id="f-7324" unitRef="eur">-16000000</san:ForeignExchangeGainLossResults>
    <san:ForeignExchangeGainLossNetAssets contextRef="c-2948" decimals="-6" id="f-7325" unitRef="eur">-549000000</san:ForeignExchangeGainLossNetAssets>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-2949" decimals="-6" id="f-7326" unitRef="eur">-776000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-2931" decimals="-6" id="f-7327" unitRef="eur">-325000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss contextRef="c-2950" decimals="-6" id="f-7328" unitRef="eur">451000000</ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss>
    <san:ForeignExchangeGainLossGoodwill contextRef="c-2950" decimals="-6" id="f-7329" unitRef="eur">87000000</san:ForeignExchangeGainLossGoodwill>
    <san:ForeignExchangeGainLossResults contextRef="c-2950" decimals="-6" id="f-7330" unitRef="eur">32000000</san:ForeignExchangeGainLossResults>
    <san:ForeignExchangeGainLossNetAssets contextRef="c-2950" decimals="-6" id="f-7331" unitRef="eur">332000000</san:ForeignExchangeGainLossNetAssets>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-2951" decimals="-6" id="f-7332" unitRef="eur">-570000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-2933" decimals="-6" id="f-7333" unitRef="eur">-655000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss contextRef="c-2952" decimals="-6" id="f-7334" unitRef="eur">-85000000</ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss>
    <san:ForeignExchangeGainLossGoodwill contextRef="c-2952" decimals="-6" id="f-7335" unitRef="eur">-11000000</san:ForeignExchangeGainLossGoodwill>
    <san:ForeignExchangeGainLossResults contextRef="c-2952" decimals="-6" id="f-7336" unitRef="eur">-1000000</san:ForeignExchangeGainLossResults>
    <san:ForeignExchangeGainLossNetAssets contextRef="c-2952" decimals="-6" id="f-7337" unitRef="eur">-73000000</san:ForeignExchangeGainLossNetAssets>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-2953" decimals="-6" id="f-7338" unitRef="eur">-20420000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:ReserveOfExchangeDifferencesOnTranslation contextRef="c-2935" decimals="-6" id="f-7339" unitRef="eur">-19510000000</ifrs-full:ReserveOfExchangeDifferencesOnTranslation>
    <ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss contextRef="c-2954" decimals="-6" id="f-7340" unitRef="eur">910000000</ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss>
    <san:ForeignExchangeGainLossGoodwill contextRef="c-2954" decimals="-6" id="f-7341" unitRef="eur">249000000</san:ForeignExchangeGainLossGoodwill>
    <san:ForeignExchangeGainLossResults contextRef="c-2954" decimals="-6" id="f-7342" unitRef="eur">37000000</san:ForeignExchangeGainLossResults>
    <san:ForeignExchangeGainLossNetAssets contextRef="c-2954" decimals="-6" id="f-7343" unitRef="eur">624000000</san:ForeignExchangeGainLossNetAssets>
    <san:DisclosureOfOtherComprehensiveIncomeByInstrumentAndGeographicOriginThatMayBeReclassifiedToProfitOrLossTableTextBlock contextRef="c-1" id="f-7344">&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The breakdown, by type of instrument and geographical origin of the issuer, of 'Other comprehensive income &#x2013; Items that may be reclassified to profit or loss - Changes in the fair value of debt instruments measured at fair value with changes in other comprehensive income' at 31 December 2025, 2024 and 2023 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:15pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:35.398%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.775%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.775%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.775%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.777%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Revaluation gains&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Revaluation losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net revaluation gains/ (losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issued by Public-sector&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,142&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(36)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;173&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,856&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;America and rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;109&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(528)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(419)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,685&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issued by Private-sector&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(53)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,745&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,445&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;America and rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(273)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(233)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,458&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt 0 7.75pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;533&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(905)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(372)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;72,331&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:15pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:35.804%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.673%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.673%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.673%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Revaluation gains&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Revaluation losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net revaluation gains/ (losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issued by Public-sector&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,764&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;268&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15,413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;America and rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(944)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(868)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issued by Private-sector&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;96&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;73&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,019&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;America and rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(265)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(249)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;584&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,320)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(736)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;87,705&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:35.804%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.673%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.673%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.673%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Revaluation gains&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Revaluation losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net revaluation gains/ (losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issued by Public-sector&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;333&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(96)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;237&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;18,258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;America and rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;194&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(820)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(626)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,169&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issued by Private-sector&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;89&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,129&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(30)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;America and rest of the world&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(267)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(261)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,106&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;667&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,222)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(555)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;81,547&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfOtherComprehensiveIncomeByInstrumentAndGeographicOriginThatMayBeReclassifiedToProfitOrLossTableTextBlock>
    <san:ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome contextRef="c-2955" decimals="-6" id="f-7345" unitRef="eur">118000000</san:ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome>
    <san:ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome contextRef="c-2955" decimals="-6" id="f-7346" unitRef="eur">0</san:ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome>
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    <ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome contextRef="c-2955" decimals="-6" id="f-7348" unitRef="eur">10142000000</ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome>
    <san:ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome contextRef="c-2956" decimals="-6" id="f-7349" unitRef="eur">209000000</san:ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome>
    <san:ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome contextRef="c-2956" decimals="-6" id="f-7350" unitRef="eur">36000000</san:ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome>
    <ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2956" decimals="-6" id="f-7351" unitRef="eur">173000000</ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome>
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    <san:ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome contextRef="c-2957" decimals="-6" id="f-7353" unitRef="eur">109000000</san:ReserveOfGainsOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome>
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    <san:ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome contextRef="c-2958" decimals="-6" id="f-7358" unitRef="eur">53000000</san:ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome>
    <ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome contextRef="c-2958" decimals="-6" id="f-7359" unitRef="eur">-24000000</ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome>
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    <san:ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome contextRef="c-2959" decimals="-6" id="f-7362" unitRef="eur">15000000</san:ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome>
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    <san:ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome contextRef="c-2962" decimals="-6" id="f-7374" unitRef="eur">0</san:ReserveOfLossesOnRemeasuringFinancialAssetsAtFairValueWithChangesInOtherComprehensiveIncome>
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    <san:DisclosureOfShareholdersEquityTextBlock contextRef="c-1" id="f-7437">Shareholders' equity&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in Shareholders' equity are presented in the consolidated statement of changes in total equity. Significant information on certain items of Shareholders' equity and the changes during the year are set forth below.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfShareholdersEquityTextBlock>
    <ifrs-full:DisclosureOfIssuedCapitalExplanatory contextRef="c-1" id="f-7438">Issued capital&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="iac504a2974224a0bbd9b97675ddc1492"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Changes&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2022, Banco Santander's share capital consisted of EUR 8,397&#160;million, represented by 16,794,401,584 shares of EUR 0.50 of nominal value each and all of them of a unique class and series.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 21 March 2023, there was a capital reduction amounting EUR 170,203,286 through the redemption of 340,406,572 shares, corresponding to the share buyback programme carried out in 2022 and ended in January 2023. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Likewise, on 30 June 2023, there was a capital reduction of EUR 134,924,476.50 through the redemption of 269,848,953 shares, corresponding to the share buyback programme during the first half of 2023.&lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Therefore, Banco Santander's share capital at 31 December 2023 consisted of EUR 8,092&#160;million, represented by 16,184,146,059 shares of EUR 0.50 of nominal value each and all of them of a unique class and series; including 286,842,316 shares corresponding to the first buyback programme of 2023 (see note 1.g.).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 5 February 2024, a capital reduction of EUR179,283,743.50 took place through the redemption of 358,567,487 shares, corresponding to the share buyback programme carried out in 2023 and ended in January 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 1 July 2024, a capital reduction of EUR 165,652,500 took place through the redemption of 331,305,000 shares, corresponding to he share buyback programme carried out between February and June 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 20 December 2024, a capital reduction of EUR 170,890,625  took place through the redemption of 341,781,250 shares, corresponding to he share buyback programme carried out during the second semester of 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Therefore, Banco Santander's share capital at 31 December 2024 consisted of EUR 7,576 million, represented by 15,152,492,322 shares of EUR 0.50 of nominal value each and all of them of a unique class and series.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 3 June 2025, there was a capital reduction amounting to EUR 133,583,475 through the redemption of 267,166,950 shares, corresponding to the share buyback programme carried out between February and June 2025.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 23 December 2025, a capital reduction of EUR &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;98,002,935 took place through the redemption of 196,005,870 shares, corresponding to the share buyback programme carried out during the second semester of 2025. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Aforementioned operations have not entailed the return of contributions to the shareholders as Banco Santander was the owner of the redeemed shares.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Therefore, Banco Santander's share capital at 31 December 2025 consisted of EUR 7,345&#160;million, represented by 14,689,319,502 shares of EUR 0.50 of nominal value each and all of them of a unique class and series.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Banco Santander&#x2019;s shares are listed on the Spanish Stock Market Interconnection System and on the New York, London, Mexico and Warsaw Stock Exchanges, and all of them have the same features and rights. Santander shares are listed on the London Stock Exchange under Crest Depository Interest (CDI), each CDI representing one Bank&#x2019;s share. They are also listed on the New York Stock Exchange under American Depositary Shares (ADS), each ADS representing one share. Additionally, Banco Santander's shares were listed on the traditional listing of the Mexican Stock Exchange (BMV) and since 29 December 2023, they were listed only in the International Quotation System of said stock exchange.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As of 31 December 2025, no Banco Santander shareholder individually held more than 3% of its total share capital (which is the threshold generally provided for in Spanish regulations for mandatory notification of a significant participation in a listed company). Even though at 31 December 2025, certain custodians appeared in our shareholder registry as holding more than 3% of our share capital, we understand that those shares were held in custody on behalf of other investors, none of whom exceeded that threshold individually. These custodians were &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;State Street Bank (13.90%),  Chase Nominees Limited (7.50%), The Bank of New York Mellon Corporation (7.18%),Citibank (6.40%), BNP Paribas (3.74%), Caceis Bank (3.57%) y The Northern Trust (3.06%).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, neither Banco Santander's shareholder registry nor the CNMV's registry showed any shareholder residing in a non-cooperative jurisdiction with a shareholding equal to, or greater than, 1% of our share capital (which is the other threshold applicable under Spanish regulations).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="ia3a2f5dabb7345cb80478f061b04a707"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%"&gt;b) Other considerations&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Under Spanish law, only shareholders at the general meeting have the authority to increase share capital. However, they may delegate the authority to approve or execute capital increases to the board of directors. Banco Santander&#xb4;s Bylaws are fully aligned with Spanish law and do not establish any different conditions for share capital increases.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025 the shares of the following companies were listed on official stock mark&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;ets: Banco Santander - Chile; Banco Santander (Brasil) S.A. and Santander Bank Polska S.A. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 Decemb&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;er 2025 the number of Banco Santander shares owned by third parties and managed by Group management companies (mainly portfolio, collective investment undertaking and pension fund managers) or jointly managed was 33 million shares, which represented 0.22% of Banco Santander&#x2019;s share capital (40 and 36&#160;million shares, representing 0.26% and 0.22% of the share capital in 2024 and 2023, respectively). In addition, the number of Banco Santander shares owned by third parties and received as security was 28&#160;million shares (equal to 0.19% of the Bank&#x2019;s share capital).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025 the capital increases in progress at Group companies and the additional capital authorised by their shareholders at the respective general meetings were not material at Group level (see appendix V)&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfIssuedCapitalExplanatory>
    <ifrs-full:IssuedCapital contextRef="c-241" decimals="-6" id="f-7439" unitRef="eur">8397000000</ifrs-full:IssuedCapital>
    <ifrs-full:NumberOfSharesOutstanding
      contextRef="c-241"
      decimals="0"
      id="f-7440"
      unitRef="shares">16794401584</ifrs-full:NumberOfSharesOutstanding>
    <ifrs-full:ParValuePerShare
      contextRef="c-241"
      decimals="2"
      id="f-7441"
      unitRef="eurPerShare">0.50</ifrs-full:ParValuePerShare>
    <ifrs-full:ReductionOfIssuedCapital
      contextRef="c-2982"
      decimals="INF"
      id="f-7442"
      unitRef="eur">170203286</ifrs-full:ReductionOfIssuedCapital>
    <san:RedemptionOfTreasurySharesShares
      contextRef="c-2982"
      decimals="0"
      id="f-7443"
      unitRef="shares">340406572</san:RedemptionOfTreasurySharesShares>
    <ifrs-full:ReductionOfIssuedCapital
      contextRef="c-2983"
      decimals="INF"
      id="f-7444"
      unitRef="eur">134924476.5</ifrs-full:ReductionOfIssuedCapital>
    <san:RedemptionOfTreasurySharesShares
      contextRef="c-2983"
      decimals="0"
      id="f-7445"
      unitRef="shares">269848953</san:RedemptionOfTreasurySharesShares>
    <ifrs-full:IssuedCapital contextRef="c-4" decimals="-6" id="f-7446" unitRef="eur">8092000000</ifrs-full:IssuedCapital>
    <ifrs-full:NumberOfSharesOutstanding contextRef="c-4" decimals="0" id="f-7447" unitRef="shares">16184146059</ifrs-full:NumberOfSharesOutstanding>
    <ifrs-full:ParValuePerShare
      contextRef="c-4"
      decimals="2"
      id="f-7448"
      unitRef="eurPerShare">0.50</ifrs-full:ParValuePerShare>
    <san:PurchaseOfTreasurySharesNumberOfShares
      contextRef="c-2984"
      decimals="0"
      id="f-7449"
      unitRef="shares">286842316</san:PurchaseOfTreasurySharesNumberOfShares>
    <ifrs-full:ReductionOfIssuedCapital
      contextRef="c-2985"
      decimals="INF"
      id="f-7450"
      unitRef="eur">179283743.5</ifrs-full:ReductionOfIssuedCapital>
    <san:RedemptionOfTreasurySharesShares
      contextRef="c-2985"
      decimals="0"
      id="f-7451"
      unitRef="shares">358567487</san:RedemptionOfTreasurySharesShares>
    <ifrs-full:ReductionOfIssuedCapital
      contextRef="c-2986"
      decimals="INF"
      id="f-7452"
      unitRef="eur">165652500</ifrs-full:ReductionOfIssuedCapital>
    <san:RedemptionOfTreasurySharesShares
      contextRef="c-2986"
      decimals="0"
      id="f-7453"
      unitRef="shares">331305000</san:RedemptionOfTreasurySharesShares>
    <ifrs-full:ReductionOfIssuedCapital
      contextRef="c-2987"
      decimals="INF"
      id="f-7454"
      unitRef="eur">170890625</ifrs-full:ReductionOfIssuedCapital>
    <san:RedemptionOfTreasurySharesShares
      contextRef="c-2987"
      decimals="0"
      id="f-7455"
      unitRef="shares">341781250</san:RedemptionOfTreasurySharesShares>
    <ifrs-full:IssuedCapital contextRef="c-3" decimals="-6" id="f-7456" unitRef="eur">7576000000</ifrs-full:IssuedCapital>
    <ifrs-full:NumberOfSharesOutstanding contextRef="c-3" decimals="0" id="f-7457" unitRef="shares">15152492322</ifrs-full:NumberOfSharesOutstanding>
    <ifrs-full:ParValuePerShare
      contextRef="c-3"
      decimals="2"
      id="f-7458"
      unitRef="eurPerShare">0.50</ifrs-full:ParValuePerShare>
    <ifrs-full:ReductionOfIssuedCapital
      contextRef="c-2988"
      decimals="INF"
      id="f-7459"
      unitRef="eur">133583475</ifrs-full:ReductionOfIssuedCapital>
    <san:RedemptionOfTreasurySharesShares
      contextRef="c-2988"
      decimals="0"
      id="f-7460"
      unitRef="shares">267166950</san:RedemptionOfTreasurySharesShares>
    <ifrs-full:ReductionOfIssuedCapital
      contextRef="c-2989"
      decimals="INF"
      id="f-7461"
      unitRef="eur">98002935</ifrs-full:ReductionOfIssuedCapital>
    <san:RedemptionOfTreasurySharesShares
      contextRef="c-2989"
      decimals="0"
      id="f-7462"
      unitRef="shares">196005870</san:RedemptionOfTreasurySharesShares>
    <ifrs-full:IssuedCapital contextRef="c-2" decimals="-6" id="f-7463" unitRef="eur">7345000000</ifrs-full:IssuedCapital>
    <ifrs-full:NumberOfSharesOutstanding contextRef="c-2" decimals="0" id="f-7464" unitRef="shares">14689319502</ifrs-full:NumberOfSharesOutstanding>
    <ifrs-full:ParValuePerShare
      contextRef="c-2"
      decimals="2"
      id="f-7465"
      unitRef="eurPerShare">0.50</ifrs-full:ParValuePerShare>
    <san:CrestDepositaryInterestShareEquivalent
      contextRef="c-2"
      decimals="INF"
      id="f-7466"
      unitRef="shares">1</san:CrestDepositaryInterestShareEquivalent>
    <san:AmericanDepositaryReceiptShareEquivalent
      contextRef="c-2"
      decimals="INF"
      id="f-7467"
      unitRef="shares">1</san:AmericanDepositaryReceiptShareEquivalent>
    <san:PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold contextRef="c-2" decimals="2" id="f-7468" unitRef="number">0.03</san:PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold>
    <san:PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold contextRef="c-2" decimals="2" id="f-7469" unitRef="number">0.03</san:PercentageOfEquityInterestsHeldBySignificantShareholdersMinimumThreshold>
    <san:PercentageOfEquityInterestsHeldBySignificantShareholders
      contextRef="c-2990"
      decimals="4"
      id="f-7470"
      unitRef="number">0.1390</san:PercentageOfEquityInterestsHeldBySignificantShareholders>
    <san:PercentageOfEquityInterestsHeldBySignificantShareholders
      contextRef="c-2991"
      decimals="4"
      id="f-7471"
      unitRef="number">0.0750</san:PercentageOfEquityInterestsHeldBySignificantShareholders>
    <san:PercentageOfEquityInterestsHeldBySignificantShareholders
      contextRef="c-2992"
      decimals="4"
      id="f-7472"
      unitRef="number">0.0718</san:PercentageOfEquityInterestsHeldBySignificantShareholders>
    <san:PercentageOfEquityInterestsHeldBySignificantShareholders
      contextRef="c-2993"
      decimals="4"
      id="f-7473"
      unitRef="number">0.0640</san:PercentageOfEquityInterestsHeldBySignificantShareholders>
    <san:PercentageOfEquityInterestsHeldBySignificantShareholders
      contextRef="c-2994"
      decimals="4"
      id="f-7474"
      unitRef="number">0.0374</san:PercentageOfEquityInterestsHeldBySignificantShareholders>
    <san:PercentageOfEquityInterestsHeldBySignificantShareholders
      contextRef="c-2995"
      decimals="4"
      id="f-7475"
      unitRef="number">0.0357</san:PercentageOfEquityInterestsHeldBySignificantShareholders>
    <san:PercentageOfEquityInterestsHeldBySignificantShareholders
      contextRef="c-2996"
      decimals="4"
      id="f-7476"
      unitRef="number">0.0306</san:PercentageOfEquityInterestsHeldBySignificantShareholders>
    <san:PercentageOfEquityInterestsHeldByASingleShareholderResidingInTaxHavenMinimumThreshold contextRef="c-1" decimals="2" id="f-7477" unitRef="number">0.01</san:PercentageOfEquityInterestsHeldByASingleShareholderResidingInTaxHavenMinimumThreshold>
    <san:NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies contextRef="c-2" decimals="-6" id="f-7478" unitRef="shares">33000000</san:NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies>
    <san:SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital contextRef="c-2" decimals="4" id="f-7479" unitRef="number">0.0022</san:SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital>
    <san:NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies contextRef="c-3" decimals="-6" id="f-7480" unitRef="shares">40000000</san:NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies>
    <san:NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies contextRef="c-4" decimals="-6" id="f-7481" unitRef="shares">36000000</san:NumberOfSharesOwnedByThirdPartiesManagedByGroupManagementCompanies>
    <san:SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital contextRef="c-3" decimals="4" id="f-7482" unitRef="number">0.0026</san:SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital>
    <san:SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital contextRef="c-4" decimals="4" id="f-7483" unitRef="number">0.0022</san:SharesOwnedByThirdPartiesManagedByGroupManagementCompaniesAsPercentageOfTotalShareCapital>
    <san:NumberOfSharesOwnedByThirdPartiesReceivedAsSecurity contextRef="c-2" decimals="-6" id="f-7484" unitRef="shares">28000000</san:NumberOfSharesOwnedByThirdPartiesReceivedAsSecurity>
    <san:SharesOwnedByThirdPartiesReceivedAsSecurityAsPercentageOfTotalShareCapital contextRef="c-2" decimals="4" id="f-7485" unitRef="number">0.0019</san:SharesOwnedByThirdPartiesReceivedAsSecurityAsPercentageOfTotalShareCapital>
    <san:DisclosureOfSharePremiumTextBlock contextRef="c-1" id="f-7486">Share premium &lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Share premium includes the amount paid up by the Bank&#x2019;s shareholders in capital issues in excess of the par value.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Corporate Enterprises Act expressly permits the use of the share premium account balance to increase capital at the entities at which it is recognised and does not establish any specific restrictions as to its use.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The change in the balance of share premium corresponds to the capital reductions detailed in note 31.a).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The decreased produced in 2023 by an amount of EUR 1,595&#160;million was the consequence of the difference between the purchase value of the redeemed shares (EUR 1,900&#160;million) and the par value of said shares (EUR 305&#160;million) (see note 4.a and consolidated statements of changes in total equity) as a consequence of the capital decreases described in note 31.a.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The decrease produced in 2024 by an amount of EUR 3,778&#160;million was the consequence of the difference between the purchase value of the redeemed shares (EUR 4,294&#160;million) and the par value of said shares (EUR 516&#160;million) (see note 4.a and consolidated statements of changes in total equity) as a consequence of the capital decreases described in note 31.a.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The decrease produced in 2025 by an amount of EUR 3,055&#160;million has been the consequence of the difference between the purchase value of the redeemed shares (EUR 3,287&#160;million) and the par value of said shares (EUR 231&#160;million) (see note 4.a and consolidated statements of changes in total equity) as a consequence of the capital decreases described in note 31.a.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Likewise, in accordance with the applicable legislation, a reserve has been provided in 2024 for amortized capital charged to the issue premium for an amount equal to the nominal value of said amortized shares ascending to EUR 231&#160;million (EUR 516&#160;million and EUR 305&#160;million euros in 2024 and 2023 respectively).&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfSharePremiumTextBlock>
    <san:IncreaseDecreaseInNetIssuePremium contextRef="c-87" decimals="-6" id="f-7487" unitRef="eur">-1595000000</san:IncreaseDecreaseInNetIssuePremium>
    <san:RedemptionOfTreasurySharesPurchaseValue contextRef="c-87" decimals="-6" id="f-7488" unitRef="eur">1900000000</san:RedemptionOfTreasurySharesPurchaseValue>
    <san:RedemptionOfTreasurySharesParValue contextRef="c-87" decimals="-6" id="f-7489" unitRef="eur">305000000</san:RedemptionOfTreasurySharesParValue>
    <san:IncreaseDecreaseInNetIssuePremium contextRef="c-86" decimals="-6" id="f-7490" unitRef="eur">-3778000000</san:IncreaseDecreaseInNetIssuePremium>
    <san:RedemptionOfTreasurySharesPurchaseValue contextRef="c-86" decimals="-6" id="f-7491" unitRef="eur">4294000000</san:RedemptionOfTreasurySharesPurchaseValue>
    <san:RedemptionOfTreasurySharesParValue contextRef="c-86" decimals="-6" id="f-7492" unitRef="eur">516000000</san:RedemptionOfTreasurySharesParValue>
    <san:IncreaseDecreaseInNetIssuePremium contextRef="c-1" decimals="-6" id="f-7493" unitRef="eur">-3055000000</san:IncreaseDecreaseInNetIssuePremium>
    <san:RedemptionOfTreasurySharesPurchaseValue contextRef="c-1" decimals="-6" id="f-7494" unitRef="eur">3287000000</san:RedemptionOfTreasurySharesPurchaseValue>
    <san:RedemptionOfTreasurySharesParValue contextRef="c-1" decimals="-6" id="f-7495" unitRef="eur">231000000</san:RedemptionOfTreasurySharesParValue>
    <san:RedemptionOfTreasurySharesParValue contextRef="c-1" decimals="-6" id="f-7496" unitRef="eur">231000000</san:RedemptionOfTreasurySharesParValue>
    <san:RedemptionOfTreasurySharesParValue contextRef="c-86" decimals="-6" id="f-7497" unitRef="eur">516000000</san:RedemptionOfTreasurySharesParValue>
    <san:RedemptionOfTreasurySharesParValue contextRef="c-87" decimals="-6" id="f-7498" unitRef="eur">305000000</san:RedemptionOfTreasurySharesParValue>
    <ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory contextRef="c-1" id="f-7499">Accumulated retained earnings&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i34e39ce33f96485cbf92b34b3ece5150"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Definitions&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The balance of 'Equity - Accumulated gains and Other reserves' includes the net amount of the accumulated results (profits or losses) recognised in previous years through the consolidated income statement which in the profit distribution were allocated in equity, the expenses of own equity instrument issues, the differences between the amount for which the treasury shares are sold and their acquisition price, as well as the net amount of the results accumulated in previous years, generated by the result of non-current assets held for sale, recognised through the consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i07aa6cf465914b36971439f58caa1d74"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Breakdown&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Accumulated retained earnings and Reserves of entities accounted for using the equity method is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:59.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.173%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Restricted reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,328&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,084&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,899&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Legal reserve&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,469&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,515&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Own shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;480&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;421&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;649&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Revaluation reserve Royal Decree-Law 7/1996&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reserve for retired capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,336&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;589&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Unrestricted reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,519&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;24,186&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,033&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Voluntary reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,362&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Consolidation reserves attributable to the Bank&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,824&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,749&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Reserves of subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;47,937&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;47,249&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;47,669&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Reserves of entities accounted for using the equity method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,643&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,831&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,762&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;84,427&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;76,350&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;68,363&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;The board of directors has proposed to the general shareholders' meeting the reclassification of the excess that the amount of the balance of the legal reserve account shows over the figure that is equivalent to 20% of the resulting share capital after the executed capital reductions, to be included in the voluntary reserves account.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;In accordance with the commercial regulations in force in Spain.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i71c890b1f4af45c396490cfb14b49481"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Legal reserve&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Under the Consolidated Spanish Corporate Enterprises Act, 10% of net profit for each year must be transferred to the legal reserve. These transfers must be made until the balance of this reserve reaches 20% of the share capital. The legal reserve can be used to increase capital provided that the remaining reserve balance does not fall below 10% of the increased share capital amount.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Consequently, once again, after the capital reductions described in note&#160;31 had been carried out, the balance of the legal reserve met the percentage of 20% of the share capital, and at 31 December 2025 the Legal reserve was at the stipulated level.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i3e9aaa13ad174c338526d04757b2ff5b"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Reserve for treasury shares&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;According to the Corporate Enterprises Act, an unavailable reserve equivalent to the amount for which Banco Santander's shares owned by subsidiaries are recorded. This reservation shall be freely available when the circumstances which have obliged its constitution disappear. In addition, this reserve covers the outstanding balance of loans granted by the Group with Banco Santander's share guarantee and the amount equivalent to the credits granted by the Group companies to third parties for the acquisition of own shares.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ibc59a56bf00345eea8d605036a7517c6"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iii. Revaluation reserve Royal Decree Law 7/1996, of 7 June&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The balance of Revaluation reserve Royal Decree-Law 7/1996 can be used, free of tax, to increase share capital. From 1 January 2007, the balance of this account can be taken to unrestricted reserves, provided that the monetary surplus has been realised. The surplus will be deemed to have been realised in respect of the portion on which depreciation has been taken for accounting purposes or when the revalued assets have been transferred or derecognised.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;If the balance of this reserve were used in a manner other than that provided for in Royal Decree law 7/1996, of 7 June, it would be subject to taxation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i8a9872393c0242df877077b6b69f5cae"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;iv. Reserves of subsidiaries&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by company, of Reserves of subsidiaries, based on the companies&#x2019; contribution to the Group (considering the effect of consolidation adjustments) is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.007%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:56.184%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.138%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.138%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.140%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander (Brasil) S.A. (Consolidated Group)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,085&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,512&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander UK Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,973&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,700&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander M&#xe9;xico, S.A., Instituci&#xf3;n de Banca M&#xfa;ltiple, Grupo Financiero Santander M&#xe9;xico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Consumer Finance Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,804&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,344&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander - Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,560&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander Argentina S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,892&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,813&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander Totta, S.A. (Consolidated Group)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,726&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,766&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,626&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Bank Polska S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,875&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,890&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,535&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Grupo Santander Holdings USA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;63&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;187&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,893&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Investment, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,424&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Seguros y Reaseguros, Compa&#xf1;&#xed;a Aseguradora, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;845&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;836&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander International SA (former Banco Santander (Suisse) S.A)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;450&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;397&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;346&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other companies and consolidation adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,062)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,846)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,155)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;47,937&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;47,249&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;47,669&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which, restricted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,722&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,870&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory>
    <san:ScheduleOfAccumulatedRetainedEarningsAndReservesOfEntitiesAccountedForUsingEquityMethodTableTextBlock contextRef="c-1" id="f-7500">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Accumulated retained earnings and Reserves of entities accounted for using the equity method is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:59.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.173%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Restricted reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,328&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,084&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,899&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Legal reserve&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,469&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,515&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Own shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;480&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;421&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;649&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Revaluation reserve Royal Decree-Law 7/1996&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reserve for retired capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,336&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;589&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Unrestricted reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,519&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;24,186&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,033&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Voluntary reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,362&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Consolidation reserves attributable to the Bank&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,824&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,749&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Reserves of subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;47,937&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;47,249&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;47,669&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Reserves of entities accounted for using the equity method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,643&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,831&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,762&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;84,427&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;76,350&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;68,363&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;The board of directors has proposed to the general shareholders' meeting the reclassification of the excess that the amount of the balance of the legal reserve account shows over the figure that is equivalent to 20% of the resulting share capital after the executed capital reductions, to be included in the voluntary reserves account.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;In accordance with the commercial regulations in force in Spain.&lt;/span&gt;&lt;/div&gt;</san:ScheduleOfAccumulatedRetainedEarningsAndReservesOfEntitiesAccountedForUsingEquityMethodTableTextBlock>
    <san:RestrictedReserves contextRef="c-2976" decimals="-6" id="f-7501" unitRef="eur">3328000000</san:RestrictedReserves>
    <san:RestrictedReserves contextRef="c-2977" decimals="-6" id="f-7502" unitRef="eur">3084000000</san:RestrictedReserves>
    <san:RestrictedReserves contextRef="c-2978" decimals="-6" id="f-7503" unitRef="eur">2899000000</san:RestrictedReserves>
    <ifrs-full:StatutoryReserve contextRef="c-2976" decimals="-6" id="f-7504" unitRef="eur">1469000000</ifrs-full:StatutoryReserve>
    <ifrs-full:StatutoryReserve contextRef="c-2977" decimals="-6" id="f-7505" unitRef="eur">1515000000</ifrs-full:StatutoryReserve>
    <ifrs-full:StatutoryReserve contextRef="c-2978" decimals="-6" id="f-7506" unitRef="eur">1618000000</ifrs-full:StatutoryReserve>
    <ifrs-full:CapitalRedemptionReserve contextRef="c-2976" decimals="-6" id="f-7507" unitRef="eur">480000000</ifrs-full:CapitalRedemptionReserve>
    <ifrs-full:CapitalRedemptionReserve contextRef="c-2977" decimals="-6" id="f-7508" unitRef="eur">421000000</ifrs-full:CapitalRedemptionReserve>
    <ifrs-full:CapitalRedemptionReserve contextRef="c-2978" decimals="-6" id="f-7509" unitRef="eur">649000000</ifrs-full:CapitalRedemptionReserve>
    <ifrs-full:RevaluationSurplus contextRef="c-2976" decimals="-6" id="f-7510" unitRef="eur">43000000</ifrs-full:RevaluationSurplus>
    <ifrs-full:RevaluationSurplus contextRef="c-2977" decimals="-6" id="f-7511" unitRef="eur">43000000</ifrs-full:RevaluationSurplus>
    <ifrs-full:RevaluationSurplus contextRef="c-2978" decimals="-6" id="f-7512" unitRef="eur">43000000</ifrs-full:RevaluationSurplus>
    <san:RetiredCapitalReserve contextRef="c-2976" decimals="-6" id="f-7513" unitRef="eur">1336000000</san:RetiredCapitalReserve>
    <san:RetiredCapitalReserve contextRef="c-2977" decimals="-6" id="f-7514" unitRef="eur">1105000000</san:RetiredCapitalReserve>
    <san:RetiredCapitalReserve contextRef="c-2978" decimals="-6" id="f-7515" unitRef="eur">589000000</san:RetiredCapitalReserve>
    <san:UnrestrictedReserves contextRef="c-2976" decimals="-6" id="f-7516" unitRef="eur">31519000000</san:UnrestrictedReserves>
    <san:UnrestrictedReserves contextRef="c-2977" decimals="-6" id="f-7517" unitRef="eur">24186000000</san:UnrestrictedReserves>
    <san:UnrestrictedReserves contextRef="c-2978" decimals="-6" id="f-7518" unitRef="eur">16033000000</san:UnrestrictedReserves>
    <san:VoluntaryReserve contextRef="c-2976" decimals="-6" id="f-7519" unitRef="eur">26357000000</san:VoluntaryReserve>
    <san:VoluntaryReserve contextRef="c-2977" decimals="-6" id="f-7520" unitRef="eur">20362000000</san:VoluntaryReserve>
    <san:VoluntaryReserve contextRef="c-2978" decimals="-6" id="f-7521" unitRef="eur">14284000000</san:VoluntaryReserve>
    <san:ConsolidationReserve contextRef="c-2976" decimals="-6" id="f-7522" unitRef="eur">5162000000</san:ConsolidationReserve>
    <san:ConsolidationReserve contextRef="c-2977" decimals="-6" id="f-7523" unitRef="eur">3824000000</san:ConsolidationReserve>
    <san:ConsolidationReserve contextRef="c-2978" decimals="-6" id="f-7524" unitRef="eur">1749000000</san:ConsolidationReserve>
    <san:ReservesOfSubsidiaries contextRef="c-2976" decimals="-6" id="f-7525" unitRef="eur">47937000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-2977" decimals="-6" id="f-7526" unitRef="eur">47249000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-2978" decimals="-6" id="f-7527" unitRef="eur">47669000000</san:ReservesOfSubsidiaries>
    <san:ReserveForEquityMethodInvestments contextRef="c-2976" decimals="-6" id="f-7528" unitRef="eur">1643000000</san:ReserveForEquityMethodInvestments>
    <san:ReserveForEquityMethodInvestments contextRef="c-2977" decimals="-6" id="f-7529" unitRef="eur">1831000000</san:ReserveForEquityMethodInvestments>
    <san:ReserveForEquityMethodInvestments contextRef="c-2978" decimals="-6" id="f-7530" unitRef="eur">1762000000</san:ReserveForEquityMethodInvestments>
    <san:RetainedEarningsAndOtherReserves contextRef="c-2976" decimals="-6" id="f-7531" unitRef="eur">84427000000</san:RetainedEarningsAndOtherReserves>
    <san:RetainedEarningsAndOtherReserves contextRef="c-2977" decimals="-6" id="f-7532" unitRef="eur">76350000000</san:RetainedEarningsAndOtherReserves>
    <san:RetainedEarningsAndOtherReserves contextRef="c-2978" decimals="-6" id="f-7533" unitRef="eur">68363000000</san:RetainedEarningsAndOtherReserves>
    <san:PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve contextRef="c-1" decimals="2" id="f-7534" unitRef="number">0.20</san:PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve>
    <san:PercentageOfAnnualNetProfitRequiredToBeTransferredToLegalReserve contextRef="c-1" decimals="2" id="f-7535" unitRef="number">0.10</san:PercentageOfAnnualNetProfitRequiredToBeTransferredToLegalReserve>
    <san:PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve contextRef="c-1" decimals="2" id="f-7536" unitRef="number">0.20</san:PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve>
    <san:MinimumPercentageOfIncreasedShareCapitalRequiredToBeMaintainedInLegalReserve contextRef="c-1" decimals="2" id="f-7537" unitRef="number">0.10</san:MinimumPercentageOfIncreasedShareCapitalRequiredToBeMaintainedInLegalReserve>
    <san:PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve contextRef="c-1" decimals="2" id="f-7538" unitRef="number">0.20</san:PercentageOfShareCapitalRequiredToBeMaintainedInLegalReserve>
    <san:DisclosureOfReservesOfSubsidiariesTableTextBlock contextRef="c-1" id="f-7539">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by company, of Reserves of subsidiaries, based on the companies&#x2019; contribution to the Group (considering the effect of consolidation adjustments) is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.007%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:56.184%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.138%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.138%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.140%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander (Brasil) S.A. (Consolidated Group)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,085&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,512&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander UK Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,973&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,700&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander M&#xe9;xico, S.A., Instituci&#xf3;n de Banca M&#xfa;ltiple, Grupo Financiero Santander M&#xe9;xico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Consumer Finance Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,804&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,344&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander - Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,560&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander Argentina S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,892&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,813&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander Totta, S.A. (Consolidated Group)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,726&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,766&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,626&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Bank Polska S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,875&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,890&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,535&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Grupo Santander Holdings USA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;63&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;187&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,893&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Investment, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,424&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Seguros y Reaseguros, Compa&#xf1;&#xed;a Aseguradora, S.A.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;845&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;836&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander International SA (former Banco Santander (Suisse) S.A)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;450&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;397&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;346&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other companies and consolidation adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,062)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,846)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,155)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;47,937&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;47,249&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;47,669&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which, restricted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,722&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,870&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfReservesOfSubsidiariesTableTextBlock>
    <san:ReservesOfSubsidiaries contextRef="c-2692" decimals="-6" id="f-7540" unitRef="eur">16085000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-2831" decimals="-6" id="f-7541" unitRef="eur">15107000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-2832" decimals="-6" id="f-7542" unitRef="eur">14512000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-2997" decimals="-6" id="f-7543" unitRef="eur">7973000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-2998" decimals="-6" id="f-7544" unitRef="eur">8576000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-2999" decimals="-6" id="f-7545" unitRef="eur">8700000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3000" decimals="-6" id="f-7546" unitRef="eur">4977000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3001" decimals="-6" id="f-7547" unitRef="eur">5248000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3002" decimals="-6" id="f-7548" unitRef="eur">5684000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3003" decimals="-6" id="f-7549" unitRef="eur">4804000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3004" decimals="-6" id="f-7550" unitRef="eur">4729000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3005" decimals="-6" id="f-7551" unitRef="eur">4344000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-2828" decimals="-6" id="f-7552" unitRef="eur">4560000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-2829" decimals="-6" id="f-7553" unitRef="eur">4250000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-2830" decimals="-6" id="f-7554" unitRef="eur">4112000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3006" decimals="-6" id="f-7555" unitRef="eur">3217000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3007" decimals="-6" id="f-7556" unitRef="eur">2892000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3008" decimals="-6" id="f-7557" unitRef="eur">2813000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3009" decimals="-6" id="f-7558" unitRef="eur">2726000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3010" decimals="-6" id="f-7559" unitRef="eur">2766000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3011" decimals="-6" id="f-7560" unitRef="eur">2626000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-2717" decimals="-6" id="f-7561" unitRef="eur">2875000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-2823" decimals="-6" id="f-7562" unitRef="eur">2890000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-2824" decimals="-6" id="f-7563" unitRef="eur">2535000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3012" decimals="-6" id="f-7564" unitRef="eur">63000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3013" decimals="-6" id="f-7565" unitRef="eur">187000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3014" decimals="-6" id="f-7566" unitRef="eur">1893000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3015" decimals="-6" id="f-7567" unitRef="eur">1424000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3016" decimals="-6" id="f-7568" unitRef="eur">1217000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3017" decimals="-6" id="f-7569" unitRef="eur">1215000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3018" decimals="-6" id="f-7570" unitRef="eur">845000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3019" decimals="-6" id="f-7571" unitRef="eur">836000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3020" decimals="-6" id="f-7572" unitRef="eur">1044000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3021" decimals="-6" id="f-7573" unitRef="eur">450000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3022" decimals="-6" id="f-7574" unitRef="eur">397000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3023" decimals="-6" id="f-7575" unitRef="eur">346000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3024" decimals="-6" id="f-7576" unitRef="eur">-2062000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3025" decimals="-6" id="f-7577" unitRef="eur">-1846000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3026" decimals="-6" id="f-7578" unitRef="eur">-2155000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-2" decimals="-6" id="f-7579" unitRef="eur">47937000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-3" decimals="-6" id="f-7580" unitRef="eur">47249000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiaries contextRef="c-4" decimals="-6" id="f-7581" unitRef="eur">47669000000</san:ReservesOfSubsidiaries>
    <san:ReservesOfSubsidiariesRestricted contextRef="c-2" decimals="-6" id="f-7582" unitRef="eur">4722000000</san:ReservesOfSubsidiariesRestricted>
    <san:ReservesOfSubsidiariesRestricted contextRef="c-3" decimals="-6" id="f-7583" unitRef="eur">4175000000</san:ReservesOfSubsidiariesRestricted>
    <san:ReservesOfSubsidiariesRestricted contextRef="c-4" decimals="-6" id="f-7584" unitRef="eur">3870000000</san:ReservesOfSubsidiariesRestricted>
    <ifrs-full:DisclosureOfTreasurySharesExplanatory contextRef="c-1" id="f-7585">Other equity instruments and own shares&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i07893f48e8bd4f9593b71f8289482c3b"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Equity instruments issued not capital and other equity instruments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Other equity instruments includes the equity component of compound financial instruments, the increase in equity due to personnel remuneration, and other items not recognised in other 'Shareholders&#x2019; equity' items.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 8 September 2017, Banco Santander, S.A. issued contingent redeemable perpetual bonds (the fidelity bonds) amounting to EUR 981 million nominal value EUR - 686 million fair value -. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 15 December 2024, Banco Santander, S.A., proceeded to redeem in advance voluntarily all of said bonds in circulation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, at 31 December 2025 the Group had other equity instruments amounting to EUR 273 million.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="ia68a329a6def4d62914fb2317c5b0145"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%"&gt;b) Own shares &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;'&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Shareholders&#x2019; equity&#160;- Own shares' includes the amount of own equity instruments held by all the Group entities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Transactions involving own equity instruments, including their issuance and cancellation, are recognised directly in equity, and no profit or loss may be recognised on these transactions. The costs of any transaction involving own equity instruments are deducted directly from equity, net of any related tax effect.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2023, the number of treasury shares held by the Group was 297,815,673 (1.84% of the issued share capital).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;During 2024, 930,610,636 shares of the Bank were acquired at an average price of EUR 4.34 per share, of which 403,030,171 relate to the Share Buyback Programme carried out during the first half of 2025, and 341,781,250 relate to the Share Buyback Programme started in September. Likewise, 1,031,653,737 shares were amortised (note 31) and 181,243,113 shares at an average price of EUR 4.22 per share were transferred, of which 22,167,105 shares correspond to the donation made by Banco Santander to Fundaci&#xf3;n Banco Santander with extraordinary character.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2024, the number of treasury shares held by the Group was 15,529,459 (0.102% of the issued share capital).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;During 2025, 584,363,745 shares of the Bank have been acquired at an average price of EUR 6.98 per share, of which 267,166,950 relate to the Share Buyback Programme carried out during the first half of 2025, and 196,005,870 relate to the new Share Buyback Programme started in August. Likewise, 463,172,820 shares have been amortised (note 31) and 125,643,093 shares at an average price of EUR 6.48 per share have been transferred.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, the Group holds 11,077,291 shares of the Bank's issued share capital (0.075%).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The effect on equity, net of tax, arising from the purchase and sale of Bank shares is of EUR 34 million profit in 2025 (EUR 8 million and EUR 13 million profit in 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfTreasurySharesExplanatory>
    <san:NominalValueOfEquityComponentOfConvertibleInstruments contextRef="c-3027" decimals="-6" id="f-7586" unitRef="eur">981000000</san:NominalValueOfEquityComponentOfConvertibleInstruments>
    <ifrs-full:ReserveOfEquityComponentOfConvertibleInstruments contextRef="c-3027" decimals="-6" id="f-7587" unitRef="eur">686000000</ifrs-full:ReserveOfEquityComponentOfConvertibleInstruments>
    <ifrs-full:Equity contextRef="c-130" decimals="-6" id="f-7588" unitRef="eur">273000000</ifrs-full:Equity>
    <ifrs-full:NumberOfSharesOutstanding
      contextRef="c-194"
      decimals="0"
      id="f-7589"
      unitRef="shares">297815673</ifrs-full:NumberOfSharesOutstanding>
    <san:TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital contextRef="c-4" decimals="4" id="f-7590" unitRef="number">0.0184</san:TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital>
    <san:PurchaseOfTreasurySharesNumberOfShares contextRef="c-86" decimals="0" id="f-7591" unitRef="shares">930610636</san:PurchaseOfTreasurySharesNumberOfShares>
    <san:WeightedAverageSharePurchasePrice
      contextRef="c-86"
      decimals="2"
      id="f-7592"
      unitRef="eurPerShare">4.34</san:WeightedAverageSharePurchasePrice>
    <san:PurchaseOfTreasurySharesNumberOfShares
      contextRef="c-3028"
      decimals="0"
      id="f-7593"
      unitRef="shares">403030171</san:PurchaseOfTreasurySharesNumberOfShares>
    <san:PurchaseOfTreasurySharesNumberOfShares
      contextRef="c-3029"
      decimals="0"
      id="f-7594"
      unitRef="shares">341781250</san:PurchaseOfTreasurySharesNumberOfShares>
    <san:TreasurySharesNumberOfSharesAmortized contextRef="c-86" decimals="0" id="f-7595" unitRef="shares">1031653737</san:TreasurySharesNumberOfSharesAmortized>
    <san:TreasurySharesNumberOfSharesTransferred contextRef="c-86" decimals="0" id="f-7596" unitRef="shares">181243113</san:TreasurySharesNumberOfSharesTransferred>
    <san:WeightedAverageShareSellingPrice
      contextRef="c-86"
      decimals="2"
      id="f-7597"
      unitRef="eurPerShare">4.22</san:WeightedAverageShareSellingPrice>
    <san:TreasurySharesNumberOfSharesTransferredThroughDonations contextRef="c-86" decimals="0" id="f-7598" unitRef="shares">22167105</san:TreasurySharesNumberOfSharesTransferredThroughDonations>
    <ifrs-full:NumberOfSharesOutstanding
      contextRef="c-145"
      decimals="0"
      id="f-7599"
      unitRef="shares">15529459</ifrs-full:NumberOfSharesOutstanding>
    <san:TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital contextRef="c-3" decimals="5" id="f-7600" unitRef="number">0.00102</san:TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital>
    <san:PurchaseOfTreasurySharesNumberOfShares contextRef="c-1" decimals="0" id="f-7601" unitRef="shares">584363745</san:PurchaseOfTreasurySharesNumberOfShares>
    <san:WeightedAverageSharePurchasePrice
      contextRef="c-1"
      decimals="2"
      id="f-7602"
      unitRef="eurPerShare">6.98</san:WeightedAverageSharePurchasePrice>
    <san:PurchaseOfTreasurySharesNumberOfShares
      contextRef="c-3030"
      decimals="0"
      id="f-7603"
      unitRef="shares">267166950</san:PurchaseOfTreasurySharesNumberOfShares>
    <san:PurchaseOfTreasurySharesNumberOfShares
      contextRef="c-3031"
      decimals="0"
      id="f-7604"
      unitRef="shares">196005870</san:PurchaseOfTreasurySharesNumberOfShares>
    <san:TreasurySharesNumberOfSharesAmortized contextRef="c-1" decimals="0" id="f-7605" unitRef="shares">463172820</san:TreasurySharesNumberOfSharesAmortized>
    <san:TreasurySharesNumberOfSharesTransferred contextRef="c-1" decimals="0" id="f-7606" unitRef="shares">125643093</san:TreasurySharesNumberOfSharesTransferred>
    <san:WeightedAverageShareSellingPrice
      contextRef="c-1"
      decimals="2"
      id="f-7607"
      unitRef="eurPerShare">6.48</san:WeightedAverageShareSellingPrice>
    <ifrs-full:NumberOfSharesOutstanding
      contextRef="c-160"
      decimals="0"
      id="f-7608"
      unitRef="shares">11077291</ifrs-full:NumberOfSharesOutstanding>
    <san:TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital contextRef="c-2" decimals="5" id="f-7609" unitRef="number">0.00075</san:TreasurySharesHeldByTheGroupPercentageOfIssuedShareCapital>
    <san:NetPurchaseSaleOfTreasuryShares contextRef="c-1" decimals="-6" id="f-7610" unitRef="eur">34000000</san:NetPurchaseSaleOfTreasuryShares>
    <san:NetPurchaseSaleOfTreasuryShares contextRef="c-86" decimals="-6" id="f-7611" unitRef="eur">8000000</san:NetPurchaseSaleOfTreasuryShares>
    <san:NetPurchaseSaleOfTreasuryShares contextRef="c-87" decimals="-6" id="f-7612" unitRef="eur">13000000</san:NetPurchaseSaleOfTreasuryShares>
    <ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory contextRef="c-1" id="f-7613">Memorandum items&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Memorandum items relates to balances representing rights, obligations and other legal situations that in the future may have an impact on net assets, as well as any other balances needed to reflect all transactions performed by the consolidated entities although they may not impinge on their net assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="ibb878bd9cb5f47a29ca8ca79565147d2"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Guarantees and contingent commitments granted&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Contingent liabilities includes all transactions under which an entity guarantees the obligations of a third party and which result from financial guarantees granted by the entity or from other types of contracts. The detail is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.643%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="12" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loans commitment granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;321,234&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;302,861&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;279,589&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which impaired&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;345&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;406&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial guarantees granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,449&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,901&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,435&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which impaired&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial guarantees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,437&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit derivatives sold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other commitments granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;148,118&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;134,493&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;113,273&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which impaired&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;668&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;793&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;542&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Technical guarantees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,161&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61,551&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,363&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;85,957&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;72,942&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55,910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The breakdown as at 31 December 2025 of the exposures and the provision fund out of balance sheet by impairment stage is EUR 464,215 million and EUR 338 million (EUR 435,147 million and EUR 305 million in 2024 and EUR 398,243&#160;million and EUR 302&#160;million in 2023) in stage 1, EUR 21,241 million and EUR 206&#160;million (EUR 17,587 million and EUR 192 million in 2024 and EUR 8,528&#160;million and EUR 174&#160;million in 2023) in stage 2 and EUR 1,345 million and EUR 169 million (EUR 1,521 million and EUR 213 million in 2024 and EUR 1,526&#160;million and EUR 226&#160;million in 2023) in stage 3, respectively. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Income from guarantee instruments is recognised under 'Fee and commission income' in the consolidated income statements and is calculated by applying the rate established in the related contract to the nominal amount of the guarantee.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt"&gt;&lt;span id="i54ecbd30bab04d408f71d6a2d88c9190"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:130%"&gt;i. Loan commitments granted&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Loan commitments granted: firm commitments of grating of credit under predefined terms and conditions, except for those that comply with the definition of derivatives as these can be settled in cash or through the delivery of issuance of another financial instrument. They include stand-by credit lines and long-term deposits.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="if1605bc1e2ee44589ffba68e4e7c08a1"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Financial guarantees granted&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Financial guarantees includes, inter alia, financial guarantee contracts such as financial bank guarantees, credit derivatives sold, and risks arising from derivatives arranged for the account of third parties.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt"&gt;&lt;span id="if3328503452f4c41b159eda1bb5ab5d3"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:130%"&gt;iii. Other commitments granted&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Other contingent liabilities include all commitments that could give rise to the recognition of financial assets not included in the above items, such as technical guarantees and guarantees for the import and export of goods and services.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i34396b6c95624ccf8b0291711bd7c2fc"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Memorandum items&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ie526b2ebefc34a669b9b9c8da08c695c"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Off-balance-sheet funds under management&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of off-balance-sheet funds managed by the Group and by joint ventures is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.951%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Investment funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;197,346&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;178,840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;165,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pension funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,646&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,831&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Assets under management&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,974&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,999&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,732&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;257,432&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;230,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;209,737&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ie9bd8571aece404e9634e8a099844da4"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Non-managed marketed funds&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, at 31 December 2025 there are non-managed marketed funds totalling EUR 73,173 million (EUR 62,002 million and EUR 50,036 million at 31 December 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i3a0cf8afb9184163a012f43b447ba5a3"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:130%"&gt;c) Third-party securities held in custody&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025 the Group held in custody debt securities and equity instruments totalling EUR 306,723 million (EUR 292,216 million and EUR 268,338 million at 31 December 2024 and 2023, respectively) entrusted to it by third parties.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory>
    <ifrs-full:DisclosureOfContingentLiabilitiesExplanatory contextRef="c-1" id="f-7614">The detail is as follows:&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.643%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="12" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loans commitment granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;321,234&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;302,861&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;279,589&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which impaired&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;345&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;406&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial guarantees granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,449&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,901&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,435&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which impaired&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial guarantees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,437&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit derivatives sold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other commitments granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;148,118&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;134,493&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;113,273&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which impaired&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;668&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;793&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;542&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Technical guarantees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,161&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61,551&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,363&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;85,957&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;72,942&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55,910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfContingentLiabilitiesExplanatory>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-77" decimals="-6" id="f-7615" unitRef="eur">321234000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-78" decimals="-6" id="f-7616" unitRef="eur">302861000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-79" decimals="-6" id="f-7617" unitRef="eur">279589000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3032" decimals="-6" id="f-7618" unitRef="eur">345000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3033" decimals="-6" id="f-7619" unitRef="eur">511000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3034" decimals="-6" id="f-7620" unitRef="eur">406000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-80" decimals="-6" id="f-7621" unitRef="eur">17449000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-81" decimals="-6" id="f-7622" unitRef="eur">16901000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-82" decimals="-6" id="f-7623" unitRef="eur">15435000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3035" decimals="-6" id="f-7624" unitRef="eur">332000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3036" decimals="-6" id="f-7625" unitRef="eur">217000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3037" decimals="-6" id="f-7626" unitRef="eur">578000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3038" decimals="-6" id="f-7627" unitRef="eur">17437000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3039" decimals="-6" id="f-7628" unitRef="eur">16887000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3040" decimals="-6" id="f-7629" unitRef="eur">15400000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3041" decimals="-6" id="f-7630" unitRef="eur">12000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3042" decimals="-6" id="f-7631" unitRef="eur">14000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3043" decimals="-6" id="f-7632" unitRef="eur">35000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-83" decimals="-6" id="f-7633" unitRef="eur">148118000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-84" decimals="-6" id="f-7634" unitRef="eur">134493000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-85" decimals="-6" id="f-7635" unitRef="eur">113273000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3044" decimals="-6" id="f-7636" unitRef="eur">668000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3045" decimals="-6" id="f-7637" unitRef="eur">793000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3046" decimals="-6" id="f-7638" unitRef="eur">542000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3047" decimals="-6" id="f-7639" unitRef="eur">62161000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3048" decimals="-6" id="f-7640" unitRef="eur">61551000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3049" decimals="-6" id="f-7641" unitRef="eur">57363000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3050" decimals="-6" id="f-7642" unitRef="eur">85957000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3051" decimals="-6" id="f-7643" unitRef="eur">72942000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3052" decimals="-6" id="f-7644" unitRef="eur">55910000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3053" decimals="-6" id="f-7645" unitRef="eur">464215000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:OtherProvisions contextRef="c-3054" decimals="-6" id="f-7646" unitRef="eur">338000000</ifrs-full:OtherProvisions>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3055" decimals="-6" id="f-7647" unitRef="eur">435147000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:OtherProvisions contextRef="c-3056" decimals="-6" id="f-7648" unitRef="eur">305000000</ifrs-full:OtherProvisions>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3057" decimals="-6" id="f-7649" unitRef="eur">398243000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:OtherProvisions contextRef="c-3058" decimals="-6" id="f-7650" unitRef="eur">302000000</ifrs-full:OtherProvisions>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3059" decimals="-6" id="f-7651" unitRef="eur">21241000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:OtherProvisions contextRef="c-3060" decimals="-6" id="f-7652" unitRef="eur">206000000</ifrs-full:OtherProvisions>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3061" decimals="-6" id="f-7653" unitRef="eur">17587000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:OtherProvisions contextRef="c-3062" decimals="-6" id="f-7654" unitRef="eur">192000000</ifrs-full:OtherProvisions>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3063" decimals="-6" id="f-7655" unitRef="eur">8528000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:OtherProvisions contextRef="c-3064" decimals="-6" id="f-7656" unitRef="eur">174000000</ifrs-full:OtherProvisions>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3065" decimals="-6" id="f-7657" unitRef="eur">1345000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:OtherProvisions contextRef="c-3066" decimals="-6" id="f-7658" unitRef="eur">169000000</ifrs-full:OtherProvisions>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3067" decimals="-6" id="f-7659" unitRef="eur">1521000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:OtherProvisions contextRef="c-3068" decimals="-6" id="f-7660" unitRef="eur">213000000</ifrs-full:OtherProvisions>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-3069" decimals="-6" id="f-7661" unitRef="eur">1526000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:OtherProvisions contextRef="c-3070" decimals="-6" id="f-7662" unitRef="eur">226000000</ifrs-full:OtherProvisions>
    <san:ScheduleOfOffBalanceSheetFundsTableTextBlock contextRef="c-1" id="f-7663">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of off-balance-sheet funds managed by the Group and by joint ventures is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.951%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Investment funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;197,346&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;178,840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;165,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pension funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,646&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,831&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Assets under management&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,974&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,999&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,732&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;257,432&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;230,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;209,737&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:ScheduleOfOffBalanceSheetFundsTableTextBlock>
    <san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures contextRef="c-3071" decimals="-6" id="f-7664" unitRef="eur">197346000000</san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures>
    <san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures contextRef="c-3072" decimals="-6" id="f-7665" unitRef="eur">178840000000</san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures>
    <san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures contextRef="c-3073" decimals="-6" id="f-7666" unitRef="eur">165174000000</san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures>
    <san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures contextRef="c-3074" decimals="-6" id="f-7667" unitRef="eur">16112000000</san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures>
    <san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures contextRef="c-3075" decimals="-6" id="f-7668" unitRef="eur">15646000000</san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures>
    <san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures contextRef="c-3076" decimals="-6" id="f-7669" unitRef="eur">14831000000</san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures>
    <san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures contextRef="c-3077" decimals="-6" id="f-7670" unitRef="eur">43974000000</san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures>
    <san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures contextRef="c-3078" decimals="-6" id="f-7671" unitRef="eur">35999000000</san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures>
    <san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures contextRef="c-3079" decimals="-6" id="f-7672" unitRef="eur">29732000000</san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures>
    <san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures contextRef="c-2" decimals="-6" id="f-7673" unitRef="eur">257432000000</san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures>
    <san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures contextRef="c-3" decimals="-6" id="f-7674" unitRef="eur">230485000000</san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures>
    <san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures contextRef="c-4" decimals="-6" id="f-7675" unitRef="eur">209737000000</san:OffBalanceSheetAssetsManagedByTheEntityAndByJointVentures>
    <san:NonManagedMarketedFunds contextRef="c-2" decimals="-6" id="f-7676" unitRef="eur">73173000000</san:NonManagedMarketedFunds>
    <san:NonManagedMarketedFunds contextRef="c-3" decimals="-6" id="f-7677" unitRef="eur">62002000000</san:NonManagedMarketedFunds>
    <san:NonManagedMarketedFunds contextRef="c-4" decimals="-6" id="f-7678" unitRef="eur">50036000000</san:NonManagedMarketedFunds>
    <san:ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody contextRef="c-2" decimals="-6" id="f-7679" unitRef="eur">306723000000</san:ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody>
    <san:ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody contextRef="c-3" decimals="-6" id="f-7680" unitRef="eur">292216000000</san:ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody>
    <san:ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody contextRef="c-4" decimals="-6" id="f-7681" unitRef="eur">268338000000</san:ThirdPartyDebtSecuritiesAndEquityInstrumentsHeldInCustody>
    <ifrs-full:DisclosureOfGeneralHedgeAccountingExplanatory contextRef="c-1" id="f-7682">Hedging derivatives&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander, within its financial risk management strategy, and in order to reduce asymmetries in the accounting treatment of its operations, enters into hedging derivatives on interest, exchange rate, credit risk or variation of stock prices, depending on the nature of the risk covered.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Based on its objective, Grupo Santander classifies its hedges in the following categories:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Cash flow hedges: cover the exposure to the variation of the cash flows associated with an asset, liability or a highly probable forecast transaction. This cover the variable-rate issues in foreign currencies, fixed-rate issues in non-local currency, variable-rate interbank financing and variable-rate assets (bonds, commercial loans, mortgages, etc.).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Fair value hedges: cover the exposure to the variation in the fair value of assets or liabilities, attributable to an identified and hedged risk. This covers the interest risk of assets or liabilities (bonds, loans, bills, issues, deposits, etc.) with coupons or fixed interest rates, interests in entities, issues in foreign currencies and deposits or other fixed rate liabilities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Hedging of net investments abroad: cover the exchange rate risk of the investments in subsidiaries domiciled in a country with a different currency from the functional one of the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following tables contains the detail of the hedging derivatives according to the type of hedging, the hedge risk and the main products used as of 31 December 2025, 2024 and 2023:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.644%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Carrying&#160;amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Nominal value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in fair value used for calculating&#160;hedge ineffectiveness&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance&#160;sheet&#160;line&#160;items&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;338,057&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,387&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,588&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(454)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;305,348&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,501&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,532&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(433)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;285,983&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,326&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(188)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(247)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Cap&amp;amp;Floor&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,656&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;46&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Fx forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,414&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Fx Swap&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;27,433&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;735&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,035&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(76)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;38&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;21,981&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;697&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;955&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(68)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Base risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;500&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,120&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;145&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Inflation swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;148,269&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,954&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,231&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,067&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;99,969&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;960&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;41&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,171&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(293)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;87,412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;937&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Cap&amp;amp;Floor&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;200&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;24,791&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;605&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;473&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(233)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,445&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX swap&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,606&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;38&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,740&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;410&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(212)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,445&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;298&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;718&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;85&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20,192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(54)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;131&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Inflation swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;131&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;64&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;91&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Equity Option&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;91&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 1.75pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedges of net investments in foreign operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,666&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;86&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;475&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;136&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,666&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;86&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;475&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;136&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,614&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;474&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;134&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX swap&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 12.25pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;505,992&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,427&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,294&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;749&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.644%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Carrying&#160;amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Nominal value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in fair value used for calculating&#160;hedge ineffectiveness&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance&#160;sheet&#160;line&#160;items&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;308,897&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,584&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,964&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;483&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;290,152&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,070&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,319&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;373&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;276,715&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,082&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;156&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,411&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;59&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;101&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Fx forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,240&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,059&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;91&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,739&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;501&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;586&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,720&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,019&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;486&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;520&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Base risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;500&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;95&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Equity swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;179,271&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,415&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,519&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;558&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;134,503&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,060&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,089&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;144&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,621&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;225&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;106,663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;788&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(130)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,653&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;738&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;258&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;459&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,286&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;362&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;408&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,957&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;323&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;189&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,724&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;539&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;172&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,092&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,632&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;545&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(49)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,316&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;58&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(69)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Inflation swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;82&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;75&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Equity swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedges of net investments in foreign operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,559&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;673&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;269&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;420&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,559&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;673&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;269&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;420&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;23,559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;673&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;269&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;511,727&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,672&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,752&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,461&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.652%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.960%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.960%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.963%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Carrying&#160;amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Nominal value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in fair value used for calculating&#160;hedge ineffectiveness&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance&#160;sheet&#160;line&#160;items&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;241,792&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,661&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,231&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,869)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;225,377&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,280&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,644&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,684)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;215,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,015&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,871)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,331&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;24&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(98)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,913&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(87)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,084&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;366&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;563&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(87)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,311&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;179&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(107)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;157,796&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,575&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,889&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,828&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;97,780&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;913&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,246&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,181&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,020&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;91,569&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;872&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,214&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,188&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34,823&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,001&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;663&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(498)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;241&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20,043&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;397&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(537)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,217&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;484&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;74&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(98)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,847&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;227&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,370&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;484&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;119&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(325)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,908&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;155&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;906&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;234&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;906&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;240&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;68&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;22&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Option&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 7.75pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedges of net investments in foreign operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,706&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;61&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;536&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,888)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,706&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;61&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;536&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,888)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;18,706&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;536&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,888)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt 0 7.75pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;418,294&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,297&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,656&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,929)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Considering the main entities or groups within the Group by the weight of their hedging, the main types of hedging that are being carried out in Santander UK Group Holdings plc group and Banco Santander, S.A.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander UK Group Holdings plc group enters into fair value and cash flow hedging derivatives depending on the exposure of the underlying. Only designated risks are hedged and therefore other risks, such as credit risk, are managed but not hedged. When contracting derivatives, Santander UK applies the same credit risk management procedures that it uses for ordinary lending activity.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Within fair value hedges, Santander UK Group Holdings plc group has portfolios of assets and liabilities at fixed rate that are exposed to changes in fair value due to changes in market interest rates. These positions are managed by contracting mainly interest rate swaps. Effectiveness is assessed by comparing the changes in the fair value of these portfolios generated by the hedged risk with the changes in the fair value of the derivatives contracted.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander UK Group Holdings plc group also has access to international markets to obtain financing by issuing fixed-rate debt or investing in fixed rate debt of other issuers, in its functional currency and other currencies. As such, they are exposed to changes in interest rates and exchange rates, mainly in EUR and USD. This risk is mitigated with cross currency swaps e interest rate swaps in which they pay a fixed rate and receive a variable rate. Effectiveness is evaluated using linear regression techniques to compare changes in the fair value of the debt at interest and exchange rates with changes in the fair value of interest rate swaps or cross currency swaps.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Within the cash flow hedges, Santander UK Group Holdings plc group has portfolios of assets and liabilities at variable rates, normally at SONIA or BoE base rate. To mitigate this market rate variability risk, it contracts interest rate swaps.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As Santander UK Group Holdings plc group obtains financing in the international markets, it assumes a significant exposure to currency risk mainly USD and EUR. In addition, it also holds debt securities for liquidity purposes which assume exposure mainly in JPY, CAD and CHF.  To manage this exchange rate risk, Spot, Forward y Cross Currency Swap are contracted to match the cash flow profile and the maturity of the estimated interest and principal repayments of the hedged item. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Effectiveness is assessed by comparing changes in the fair value of the derivatives with changes in the fair value of the hedged item attributable to the hedged risk by applying a hypothetical derivative method using linear regression techniques.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;It also has inflation risk hedges, which arise from UK bonds linked to UK inflation and are hedged using inflation swaps. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Effectiveness is assessed by comparing changes in the fair value of the inflation swap with the changes in the fair value of the hedged item attributable to the hedged risk, applying the hypothetical derivative method using linear regression techniques. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, within the hedges that cover equity risk, Santander UK Group Holdings plc group offers employees the opportunity to purchase shares of the Bank at a discount under the Sharesave Scheme, exposing the Bank to share price risk. As such, options are purchased allowing them to purchase shares at a pre-set price. &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Banco Santander, S.A. covers the risks of its balance sheet in a variety of ways. On the one hand, documented as fair value hedges, it covers the interest rate and foreign exchange risk of fixed-income portfolios at a fixed rate (REPOs are included in this category). Resulting, in an exposure to changes in their fair value due to variations in market conditions based on the various risks hedged, which has an impact on Banco Santander's income statement. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;To mitigate these risks, Banco Santander contracts derivatives, mainly Interest Rate Swaps, Cross Currency Swaps, Cap&amp;amp;floors and Forex Forward. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On the other hand, the interest and exchange rate risk of loans granted to corporate clients at a fixed rate or variable rate is covered. These hedges, are carried out through interest rate swaps, cross currency swaps and exchange rate derivatives (forex swaps and forex forward).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, Banco Santander, S.A. manages the interest and exchange risk of debt issues in its various categories (issuing covered bonds, perpetual, subordinated and senior bond) and in different currencies, denominated at fixed rates, and therefore subject to changes in their fair value. These issues are covered through interest rate swaps and cross currency swaps.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The methodology used by Banco Santander, S.A. to measure the effectiveness of fair value hedges is based on comparing the market values of the hedged items (based on the objective risk of the hedge) and of the hedging instruments in order to analyse whether the changes in the market value of the hedged items are offset by the market value of the hedging instruments, thereby mitigating the hedged risk and minimizing volatility in the income statement. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Prospectively, the same analysis is performed, measuring the theoretical market values in the event of parallel variations in the market curves of a positive basis point.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;There is a macro hedge of structured loans in which the interest rate risk of fixed-rate loans (mortgage, personal or with other guarantees) granted to legal entities in commercial or corporate banking and wealth clients in the medium-long term is hedged. This hedge is instrumented as a macro hedge of fair value, the main hedging instruments being Interest Rate Swap and Cap&amp;amp;floors. In case of total or partial cancellation or early repayment, the customer is obliged to pay/receive the cost/income of the cancellation of the interest rate risk hedge managed by the Bank.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Regarding cash flow hedges, the objective is to hedge the cash flow exposure to changes in interest rates and exchange rates.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For retrospective purposes, the hypothetical derivative methodology is used to measure effectiveness. By means of this methodology, the hedged risk is modelled as a derivative instrument -not real-, created exclusively for the purpose of measuring the effectiveness of the hedge, and which must comply with the fact that its main characteristics coincide with the critical terms of the hedged item throughout the period for which the hedging relationship is designated. This hypothetical derivative does not incorporate characteristics that are exclusive to the hedging instrument. Additionally, it is worth mentioning that any risk component not associated with the hedged objective risk and effectively documented at the beginning of the hedge is excluded for the purpose of calculating the effectiveness. The market value of the hypothetical derivative that replicates the hedged item is compared with the market value of the hedging instrument, verifying that the hedged risk is effectively mitigated and that the impact on the income statement due to potential ineffectiveness is residual.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Prospectively, the variations in the market values of the hedging instrument and the hedged item (represented by the hypothetical derivative) are measured in the event of parallel shifts of a positive basis point in the affected market curves.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;There is another macro-hedge, this time of cash flows, the purpose of which is to actively manage the risk-free interest rate risk (excluding credit risk) of a portion of the floating rate assets of Banco Santander, S.A., through the arrangement of interest rate derivatives whereby the bank exchanges floating rate interest flows for others at a fixed rate agreed at the time the transactions are arranged. The items affected by the Macro-hedging have been designated as those in which their cash flows are exposed to interest rate risk, specifically the floating rate mortgages of the Banco Santander, S.A. network referenced to Euribor 12 Months or Euribor Mortgage, with annual renewal of rates, classified as sound risk and which do not have a contractual floor (or, if not, this floor is not activated). The hedged position affecting the Macro Cash Flow Hedge at the present time is near to EUR 5,000&#160;million. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Regarding net foreign investments hedges, basically, they are allocated in Banco Santander, S.A. and Santander Consumer Finance Group. Grupo Santander assumes as a priority risk management objective to minimize -to the limit determined by the Group's Financial Management- the impact on the calculation of the capital ratio of its permanent investments included within the Group's consolidation perimeter, and whose shares or equity interests are legally denominated in a currency other than that of the Group's parent company. For this purpose, financial instruments (generally derivatives) are contracted to hedge the impact on the capital ratio of changes in forward exchange rates.  Grupo Santander mainly hedges the risk for the following currencies: BRL, CLP, MXN, CAD, COP, CNY, GBP, CHF, NOK, USD, PLN, UYU and PEN. The instruments used to hedge the risk of these investments are forex swaps, forex forward and spot currency purchases/sales.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For this type of hedges, ineffectiveness scenarios are considered to be of low probability, given that the hedging instrument is designated considering the position determined and the spot rate at which the position is located.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table sets out the maturity profile of the hedging instruments used in Grupo Santander non-dynamic hedging strategies:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up&#160;to&#160;one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One&#160;to&#160;three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three&#160;months&#160;to one year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One&#160;year&#160;to five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,263&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20,353&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;87,830&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;176,040&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;36,571&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;338,057&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,778&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,042&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;82,060&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;160,461&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;28,007&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;305,348&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15,588&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;18,565&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;78,893&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;146,294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;26,643&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;285,983&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;190&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;477&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,167&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,167&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;963&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;365&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,086&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;242&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,656&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Fx forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;963&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,086&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,414&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;522&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;946&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,684&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,079&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,202&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;27,433&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;507&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;892&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,466&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,181&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;21,981&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Base risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;500&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;500&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,120&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,120&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Inflation swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,499&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,405&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21,536&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;103,955&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,874&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;148,269&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,497&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,347&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,090&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;76,749&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,286&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;99,969&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,837&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;507&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,497&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,347&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;64,712&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,779&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;87,412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Cap&amp;amp;Floor&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;200&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;200&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;981&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,169&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,062&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,467&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,112&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;24,791&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;874&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,025&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,445&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX swap&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;956&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,606&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,024&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,740&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,021&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,887&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,371&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,690&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,476&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,445&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;227&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,085&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;180&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,260&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,144&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,605&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20,192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;49&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;64&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Equity option&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedges of net investments in foreign operations:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,945&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,218&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,296&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;207&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,666&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,945&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,218&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,296&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;207&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,666&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,893&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;207&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,614&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX swap&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26,707&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;29,976&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;120,662&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;280,202&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;48,445&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;505,992&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up&#160;to&#160;one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One&#160;to&#160;three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three&#160;months&#160;to one year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One&#160;year&#160;to five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,791&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,953&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;88,519&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;163,086&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,548&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;308,897&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,725&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,680&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;85,981&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;154,440&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26,326&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;290,152&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,913&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;83,890&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;148,913&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;24,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;276,715&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,054&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;717&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;469&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;112&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,059&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,411&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Fx forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,054&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;717&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;469&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,240&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,059&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,059&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;511&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,019&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,034&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,163&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,739&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;149&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;104&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;924&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,720&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,915&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,491&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,240&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,019&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Base risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;500&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;500&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;45&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;50&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;95&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Equity swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,696&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,088&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;43,111&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;94,030&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,346&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;179,271&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,628&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,932&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,390&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;75,459&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,094&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;134,503&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,621&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,621&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,146&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,856&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20,846&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;67,495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,320&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;106,663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,982&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,377&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,765&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,703&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,826&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,653&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,286&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;133&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,383&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,671&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,957&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,086&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;778&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,785&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,813&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,262&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,724&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;997&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;395&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,260&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,092&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,090&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;778&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,553&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,632&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;153&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,163&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,316&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Inflation swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 6.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;55&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;75&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Option&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;55&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedges of net investments in foreign operations:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,918&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,644&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,997&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,559&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,918&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,644&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,997&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,559&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,918&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,644&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,997&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;23,559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;33,405&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,685&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;145,627&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;257,116&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;43,894&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;511,727&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up&#160;to&#160;one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One&#160;to&#160;three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three&#160;months&#160;to one year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One&#160;year&#160;to five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,862&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,535&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;59,170&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;139,486&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21,739&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;241,792&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,266&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,749&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;56,860&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;131,323&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,179&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;225,377&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;55,918&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;125,405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,358&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;215,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;566&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;678&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;619&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;50&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,418&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,331&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Fx forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;566&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;678&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;619&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,913&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;108&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,691&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,113&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,142&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,084&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;87&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,370&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,605&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,681&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;21&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;321&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;461&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,311&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,873&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,149&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;43,913&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;83,291&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,570&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;157,796&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,467&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,859&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,846&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;53,038&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,570&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;97,780&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,020&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,020&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,241&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,429&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;29,863&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;48,735&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,301&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;91,569&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,655&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,087&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,607&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,711&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,763&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34,823&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,013&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,344&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,617&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;642&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,990&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20,043&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;407&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,547&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,270&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,187&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;806&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,217&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,575&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,847&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,467&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,270&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,612&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;614&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,370&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;344&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;656&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,182&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,296&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,430&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,908&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;318&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,833&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,430&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;59&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;68&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Option&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedges of net investments in foreign operations:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,303&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,940&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,463&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,706&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,303&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,940&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,463&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,706&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,303&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,463&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;18,706&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,038&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;35,624&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;112,546&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;222,777&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;28,309&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;418,294&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, for Santander UK Group Holdings plc and Banco Santander, S.A., both the maturity profile, the average interest and exchange rate of hedging instruments by maturity buckets are shown:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"&gt;Santander UK Group Holdings plc group&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up to one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One to three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three&#160;months&lt;br/&gt;to one year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One&#160;year&lt;br/&gt;to five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than five&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,490&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,469&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;69,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;86,738&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;189,285&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.703&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.021&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.181&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.621&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.437&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.091&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;27.000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,936&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.138&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.177&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.182&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.249&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.346&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.293&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.080&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.812&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.991&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.997&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;360&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,472&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;35,087&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,067&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;43,097&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.373&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.344&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.881&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Foreign exchange risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/JPY exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/CHF exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.121&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.180&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.334&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.275&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.373&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/CAD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;87&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,206&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.166&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.334&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.281&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.973&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.475&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up to one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One to three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three&#160;months&lt;br/&gt;to one year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One&#160;year&lt;br/&gt;to five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than five&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,598&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;64,755&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;93,176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;174,672&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.749&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.496&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.868&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.653&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.200&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(0.346)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(0.446)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.585&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.370&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.534&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.531&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.756&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.449&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;212&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,280&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,902&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.136&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.162&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.318&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.281&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.350&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.831&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,330&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,190&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,896&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;34,841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;63,582&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.075&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.707&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.352&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Foreign exchange risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;311&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,730&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;23,171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/JPY exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;178.368&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;179.995&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;187.640&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/CHF exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.086&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.115&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.203&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.188&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.177&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.162&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.238&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.297&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.388&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/CAD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.758&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;75&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,993&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;476&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,039&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;707&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,509&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.124&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.161&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.213&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.538&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.319&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.537&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.480&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.760&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.203&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.771&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.885&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.983&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 7.75pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up to one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One to three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three months to one&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One year to five&#160;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than five&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;37,158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;70,075&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,467&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;123,093&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.190&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.890&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.990&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.140&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.180&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.450&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.920&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.600&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.460&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.360&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,172&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,411&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.113&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.156&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.148&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.318&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.770&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.480&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.830&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,050&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,553&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15,756&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;31,941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;53,705&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.050&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.450&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Foreign exchange risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,068&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,266&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,104&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,888&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,763&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;23,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/JPY exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;154.135&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;153.954&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;167.846&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/CHF exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.092&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.093&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.089&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.121&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.121&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.197&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.392&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.277&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.388&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,614&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;719&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,914&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,183&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.254&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.198&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.189&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,663&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.383&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.537&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.570&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.540&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.960&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"&gt;Banco Santander, S.A.&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up to one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One to three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three months to one&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One year to five&#160;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than five&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;746&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,790&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,849&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;34,331&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17,003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;61,719&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.155&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.725&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.371&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.303&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.809&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.101&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.139&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.330&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CHF&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.403&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.075&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.422&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.983&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.653&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.991&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CZK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.650&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.350&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) NOK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.403&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) AUD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.824&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) RON&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.880&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.200&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) HKD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.960&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) NZD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.252&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Foreign exchange risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;329&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;697&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CNY/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,273&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,284&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average MXN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,173&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;956&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,750&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,608&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,459&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) AUD/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6.101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CZK/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.264&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) RON/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.697&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) HKD/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) JPY/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.975&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) NOK/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.155&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CHF/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.021&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.919&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD/CLP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD/COP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11.669&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11.703&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9.869&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9.356&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD/MXN&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8.800&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average AUD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.617&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.584&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average NZD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.666&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CZK/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;26.131&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25.365&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;24.832&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average EUR/COP exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average EUR/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.940&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.948&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average HKD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8.488&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average JPY/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;137.802&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;129.229&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average MXN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19.083&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average NOK/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9.519&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10.651&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average RON/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.948&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.927&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.980&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CHF/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.935&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average USD/COP exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average USD/MXN exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.055&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Basis Risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Basis risk instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up to one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One to three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three months to one&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One year to five&#160;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than five&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate and foreign exchange rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;236&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;288&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;213&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;817&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) AUD/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.678&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CHF/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average AUD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.590&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.562&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average RON/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.940&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CHF/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.002&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Bond Forward instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;507&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,630&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.964&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.695&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.016&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) AUD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.650&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average exchange rate GBP/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.119&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedges of net investments in foreign operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,574&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,530&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,866&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;207&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17,177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average BRL/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6.892&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6.979&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6.652&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CLP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,054.241&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,018.994&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,108.027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,099.571&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average COP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,566&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.860&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.867&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.884&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average MXN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22.187&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;23.465&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22.823&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average USD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.078&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.175&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average PLN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.321&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.307&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.309&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CAD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.611&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average UYU/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;48.093&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;48.729&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;49.916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;53.350&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up to one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One to three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three months to one&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One year to five&#160;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than five&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,431&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,878&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;33,324&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15,991&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;62,070&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.120&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.640&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.340&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.010&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.460&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.170&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.010&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.740&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.460&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.720&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CZK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) NOK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.400&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) AUD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.820&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) RON&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.610&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.200&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) HKD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.960&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) NZD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.250&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Foreign exchange risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;473&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CNY/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,710&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,710&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,710&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average MXN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,178&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;148&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,355&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,859&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,669&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,043&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) AUD/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.690&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6.100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CZK/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.190&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) RON/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6.970&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) HKD/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.620&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) JPY/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.410&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) NOK/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CHF/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.030&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD/COP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12.750&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10.580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10.540&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7.760&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR/GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6.690&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD/MXN&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11.300&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average AUD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.599&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.584&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average NZD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.666&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CZK/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;26.030&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25.634&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average EUR/GBP exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.189&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average EUR/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.982&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.943&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average HKD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8.488&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average JPY/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;134.151&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;129.229&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average MXN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19.083&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average NOK/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9.519&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10.429&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average RON/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.810&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.940&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.980&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CHF/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.932&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average USD/COP exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average USD/MXN exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.052&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Basis Risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Basis risk instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up to one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One to three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three months to one&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One year to five&#160;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than five&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate and foreign exchange rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,055&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;84&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) AUD/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.520&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CHF/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average AUD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.580&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.560&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average RON/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.940&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CHF/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;Bond Forward instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,200&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,820&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,020&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average exchange rate GBP/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.200&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.170&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.190&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedges of net investments in foreign operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,240&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,821&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;21,131&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average BRL/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.990&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6.120&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6.270&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CLP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,052.780&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,066.580&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,045.090&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average COP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,703&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.860&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.850&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.850&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average MXN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20.280&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19.830&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;21.970&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average USD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.090&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.080&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.090&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average PLN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.410&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.410&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CAD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CHF/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.940&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average UYU/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;45.820&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;45.160&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;48.290&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up to one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One to three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three months to one&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One year to five&#160;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than five&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,532&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;194&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,880&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22,714&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,775&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;41,095&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.036&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.096&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.085&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.422&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.421&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CHF&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.010&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.015&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.688&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.603&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Foreign exchange risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;278&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;634&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;524&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,486&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average PEN/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.784&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.751&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CNY/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7.323&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7.732&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7.716&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average AUD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.648&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.665&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average MXN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19.363&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average COP/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,159.190&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,998.060&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average MAD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10.929&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11.057&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average PEN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.095&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.110&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,450&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,321&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,017&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) AUD/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.800&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.615&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CZK/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) RON/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.967&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) HKD/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.270&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) JPY/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.298&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) NOK/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.501&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CHF/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.243&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD/MXN&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14.250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD/COP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17.980&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6.152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13.207&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7.149&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR/USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(0.140)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD/CLP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.450&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average AUD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.499&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.545&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CZK/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25.831&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average EUR/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.891&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.961&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average HKD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8.782&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8.666&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average JPY/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;120.568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;134.151&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;129.229&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average NOK/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9.519&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10.429&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average RON/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.711&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.887&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CHF/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.104&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average MXN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19.083&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average USD/CLP exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.001&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average NZD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.666&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average USD/MXN exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up to one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One to three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three months to one&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One year to five&#160;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than five&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate and foreign exchange rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;414&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,075&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,575&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CHF/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.106&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) AUD/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average EUR/GBP exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.173&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average AUD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.584&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.562&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average RON/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CHF/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.002&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Bond Forward instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(0.124)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(0.889)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.016&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average exchange rate GBP/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.148&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.146&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedges of net investments in foreign operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,870&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,034&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16,497&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average BRL/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.569&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CLP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;916.724&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;936.166&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;987.202&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average COP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,525.656&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.866&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.876&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average MXN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20.078&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20.589&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20.210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average USD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.129&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.081&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average PLN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.664&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.752&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CAD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.461&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CHF/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average UYU/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;43.235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;43.521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;44.400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i0e1290a0a9ee432897bb492e2109cde4"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;Other geographies&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Consumer Group entities mainly have loans portfolios at fixed interest rates and are therefore, exposed to changes in fair value due to movements in market interest rates. The entities manage this risk by contracting interest rate swaps in which they pay a fixed rate and receive a variable rate. Interest rate risk is the only one hedged and, therefore, other risks, such as credit risk, are managed but not hedged by the entities. The interest rate risk component is determined as the change in fair value of fixed rate loans arising solely from changes&#160;in&#160;a reference rate. This strategy is designated as a fair value hedge and its effectiveness is assessed by comparing changes in the fair value of loans attributable to changes in reference interest rates with changes in the fair value of interest rate swaps.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, in order to access international markets with the aim of obtaining sources of financing, some Consumer Group&#xb4;s entities issue fixed rate debt in their own currency and in other currencies that differ from their functional currency. Therefore, they are exposed to changes in both interest rates and exchange rates, which they mitigate with derivatives (interest rate swaps, fx forward and cross currency swaps) in which they receive a fixed interest rate and pay a variable interest rate, implemented with a fair value hedge.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The cash flow hedges of the Grupo Santander&#xb4;s entities hedge the foreign currency risk of loans and financing. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Finally, it has hedges of net investments abroad to hedge the foreign exchange risk of the shareholding in NOK, CNY, PLN, CAD and CHF currencies.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Banco Santander M&#xe9;xico, S.A., Instituci&#xf3;n de Banca M&#xfa;ltiple, Grupo Financiero Santander M&#xe9;xico, applies accounting hedges for both fair value and cash flows through micro-hedging structures to mitigate risks arising from fluctuations in interest rates and exchange rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In its cash flow hedges, the Bank is primarily exposed to exchange rate risk stemming from portfolios of Mexican government bonds issued in a currency other than its functional currency, Brazilian government bonds denominated in reais, US Treasury bonds in dollars, and fixed-rate debt issuances in USD. These exposures are mitigated through fixed-rate cross-currency swaps and FX forward contracts, using different currency combinations (MXN, USD, and BRL) depending on the nature of each portfolio.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Bank also maintains exposures to interest rate risk associated with bank loans and commercial loans, both fixed-rate and floating-rate. To manage this risk, interest rate swaps are used, whereby the Bank exchanges fixed-rate cash flows for variable-rate cash flows or vice versa, in order to stabilize future cash flows.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In its fair value hedges, Banco Santander M&#xe9;xico, S.A., Instituci&#xf3;n de Banca M&#xfa;ltiple, Grupo Financiero Santander M&#xe9;xico holds portfolios of long-term, fixed-rate commercial loans and Mexican government bonds, denominated in both local and non-functional currencies. These portfolios are exposed to changes in fair value resulting from fluctuations in market interest rates and, where applicable, exchange rates. These exposures are mitigated through interest rate swaps and cross-currency swaps, designated as hedging instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Only interest rate and exchange rate risks are hedged, while other risks, such as credit risk, are managed by the entity but are not designated as hedged risks within the hedging relationships. The effectiveness of the hedges is assessed by comparing the changes in the fair value of the hedged items attributable to the hedged risk with the changes in the fair value of the derivative instruments. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Banco Santander (Brasil) S.A. has fair value and cash flow hedges to mitigate risks arising from market interest rate fluctuations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In market risk hedging, the Bank protects recognized assets and liabilities against changes in interest rates, exchange rates, and inflation. The risk management methodology segments exposures by risk factor (BRL/USD exchange rate risk, BRL fixed interest rate risk, USD foreign exchange coupon risk, inflation risk, among others). To mitigate these risks, the Bank primarily uses interest rate swaps, currency swaps, and futures contracts, designated as hedging instruments within hedge accounting structures. The results derived from hedging instruments and hedged items are recognized directly in the income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In cash flow hedging, Banco Santander (Brasil) S.A. hedges its exposure to cash flow variability, primarily associated with interest payments and exchange rate movements, arising from assets and liabilities denominated in foreign currency or at variable rates. To this end, futures contracts and interest rate swaps are used to provide predictability to future cash flows. The effective portion of the change in the value of the hedging instruments is temporarily recognized in equity and reclassified to profit or loss when the anticipated transaction occurs, while the ineffective portion is recognized directly in profit or loss. As of December 31, 2025, no amounts corresponding to the ineffective portion have been recorded.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, Banco Santander - Chile uses fair value hedges with cross currency swaps, interest rate swaps and call money swaps to hedge its exposure to changes in the fair value of the hedged item attributable to interest rates. The aforementioned hedging instruments modify the effective cost of long-term issues, from a fixed interest rate to a variable interest rate. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, it also makes cash flow hedges in which it uses cross currency swaps to cover the risk of variability of flows attributable to changes in the interest rate of bonds and interbank loans issued at variable rates, as well as to cover the variation of foreign currency, mainly in United States dollars. To hedge the inflation risk present in certain items, it uses both forwards and cross currency swaps.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At Santander Bank, National Association, Interest Rate Swaps are used to leave commercial loans at a fixed rate at a variable rate in USD indexed to 1-month Libor or SOFR, under cash flow hedges.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Regarding the hedged items, the following table shows the detail of the type of hedging, the risk that is hedged and which products are being hedged  at 31 December 2025,  2024 and 2023. The products that are being hedged are mainly borrowed deposits, financial deposits, loans, government bonds as assets and financial bonds as liabilities: &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.720%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" rowspan="4" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:33pt"&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Carrying amount of hedged items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Accumulated amount of fair value adjustments on the hedged item&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Balance&#160;sheet&#160;line&#160;item&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Change in fair value of hedged item for ineffectiveness assessment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Cash flow reserves or conversion reserves&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Continuing hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Discontinued hedges&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;166,907&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;107,124&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(191)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;490&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Loans and advances / Deposits and Debt securities / Debt securities issued&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;461&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;152,380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;93,395&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(201)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,154&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(43)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest and Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;9,619&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;13,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;38&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Base risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;501&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,063)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;401&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;235&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1,174)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;240&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest and Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(131)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Net foreign investments hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;19,666&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(136)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(7,867)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;19,666&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(136)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(7,867)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;186,573&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;107,124&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(191)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;490&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(738)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(7,466)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;237&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.720%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" rowspan="4" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:33pt"&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Carrying amount of hedged items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Accumulated amount of fair value adjustments on the hedged item&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Balance&#160;sheet&#160;line&#160;item&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Change in fair value of hedged item for ineffectiveness assessment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Cash flow reserves or conversion reserves&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Continuing hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Discontinued hedges&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;138,906&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;32,642&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,412)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,200)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Loans and advances / Deposits and Debt securities / Debt securities issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(461)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;133,149&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;23,780&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1,345)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1,176)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(343)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,017&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,562&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(118)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest and Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;7,205&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(68)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(27)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Base risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(564)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(478)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;50&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(156)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(794)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(439)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;213&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest and Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;82&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(52)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Net foreign investments hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;23,559&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(420)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(8,002)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;23,559&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(420)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(8,002)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;162,465&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;32,642&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,412)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,200)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,445)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(8,480)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;50&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.016%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" rowspan="4" style="border-bottom:0.5pt solid #ec0000;border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:33pt"&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Carrying amount of hedged items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Accumulated amount of fair value adjustments on the hedged item&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Balance&#160;sheet&#160;line&#160;item&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Change in fair value of hedged item for ineffectiveness assessment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Cash flow reserves or conversion reserves&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:1pt solid #c3dee7;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Continuing hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Discontinued hedges&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;134,095&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;26,946&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,798)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,652)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Loans and advances / Deposits and Debt securities / Debt securities issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,928&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;130,672&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;19,176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1,682)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1,546)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,757&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;637&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;60&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest and Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,786&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;6,405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(115)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(103)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,824)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(813)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(173)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2,182)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(797)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(77)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(80)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest and Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(144)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(233)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;196&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(96)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Net foreign investments hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;18,706&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,888&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(8,684)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;18,706&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,888&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(8,684)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;152,801&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;26,946&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,798)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,652)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,992&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(9,497)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(173)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The cumulative amount of adjustments of the fair value hedging instruments that remain in the balance for hedges items that are no longer adjusted by profit and loss of coverage as at 31 December 2025 is EUR 227 losses (EUR 775&#160;million and EUR 1,006&#160;million losses in 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The net impact of the hedges are shown in the following table:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.347%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="4" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="15" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Earnings/(losses) recognised in another cumulative overall result&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Ineffective  recognised in the income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Line of the income statement that includes the ineffectiveness of cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Reclassified amount of reserves to the income statement due to:&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:39pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cover transaction affecting the income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Line of the income statement that includes reclassified items&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gains or losses financial assets/liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(33)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,063&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(706)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest margin/Gains or losses financial assets/liabilities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(638)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(240)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;85&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(233)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;131&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net foreign investments hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;136&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,199&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(706)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.347%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="4" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="15" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Earnings/(losses) recognised in another cumulative overall result&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Ineffective  recognised in the income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Line of the income statement that includes the ineffectiveness of cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Reclassified amount of reserves to the income statement due to:&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:39pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cover transaction affecting the income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Line of the income statement that includes reclassified items&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;22&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gains or losses financial assets/liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 7pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;558&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,256)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest margin/Gains or losses financial assets/liabilities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,166)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;319&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;155&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(340)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(69)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net foreign investments hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;420&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;978&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,256)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.347%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="4" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="15" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Earnings/(losses) recognised in another cumulative overall result&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Ineffective coverage recognised in the income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Line of the income statement that includes the ineffectiveness of cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Reclassified amount of reserves to the income statement due to:&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:39pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cover transaction affecting the income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Line of the income statement that includes reclassified items&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;59&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gains or losses financial assets/liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;72&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:8pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,592&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gains or losses financial assets/liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,622)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest margin/Gains or losses financial assets/liabilities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,179&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,647)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(416)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(431)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(128)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:8pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net foreign investments hedges&lt;br/&gt;hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,888)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,888)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;704&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;63&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,622)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table shows the movement in the impact of equity for the year:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.554%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.554%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.555%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 8.09pt 0 1pt;text-indent:-7.09pt"&gt;&lt;div style="margin-bottom:6pt;padding-right:7.09pt;text-align:justify;text-indent:-7.09pt"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(8,300)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(9,424)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(9,187)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,049&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;558&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,592&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,155&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;163&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,179&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;A) Not designated elements - linked to a time period&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:17.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Gain or loss in value - recognized in equity&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Amounts transferred to income statements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:17.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other reclassifications&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;B) Not designated elements - linked to a transaction&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;C) Designated elements&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,174&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;163&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,179&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Amounts transferred to income statements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;638&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,166&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,647&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Gain or loss in value CFE - recognized in equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;536&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,003)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;532&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(229)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;312&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;A) Not designated elements - linked to a time period&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:17.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Gain or loss in value - recognized in equity&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Amounts transferred to income statements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:17.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other reclassifications&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;B) Not designated elements - linked to a transaction&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;C) Designated elements&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(240)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;312&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Amounts transferred to income statements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(85)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(319)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;416&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Gain or loss in value CFE - recognized in equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(155)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;631&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(409)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;155&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;164&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;A) Not designated elements - linked to a time period&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;B) Not designated elements - linked to a transaction&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;C) Designated elements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;155&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;164&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Amounts transferred to income statements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;340&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Gain or loss in value CFE - recognized in equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(225)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(185)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;131&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;233&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Amounts transferred to income statements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(80)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Gain or loss in value CFE - recognized in equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(139)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;A) Not designated elements - linked to a time period&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:17.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Gain or loss in value - recognized in equity&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Amounts transferred to income statements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:17.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other reclassifications&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;B) Not designated elements - linked to a transaction&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;C) Designated elements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.554%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.554%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.555%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Amounts transferred to income statements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Gain or loss in value CFE - recognized in equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net foreign investments hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;136&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,888)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;136&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,888)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;A) Not designated elements - linked to a time period&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;B) Not designated elements - linked to a transaction&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;C) Designated elements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;136&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,888)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Amounts transferred to income statements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Gain or loss in value CFE - recognized in equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,888)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair Value hedges&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;A) Not designated elements - linked to a time period&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;B) Not designated elements - linked to a transaction&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;A) Not designated elements - linked to a time period&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;B) Not designated elements - linked to a transaction&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;A) Not designated elements - linked to a time period&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;B) Not designated elements - linked to a transaction&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Minorities, taxes and others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(330)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;146&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(941)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(7,445)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(8,300)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(9,424)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfGeneralHedgeAccountingExplanatory>
    <ifrs-full:DisclosureOfDetailedInformationAboutHedgingInstrumentsExplanatory contextRef="c-1" id="f-7683">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following tables contains the detail of the hedging derivatives according to the type of hedging, the hedge risk and the main products used as of 31 December 2025, 2024 and 2023:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.644%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Carrying&#160;amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Nominal value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in fair value used for calculating&#160;hedge ineffectiveness&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance&#160;sheet&#160;line&#160;items&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;338,057&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,387&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,588&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(454)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;305,348&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,501&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,532&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(433)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;285,983&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,326&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(188)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(247)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Cap&amp;amp;Floor&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,656&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;46&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Fx forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,414&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Fx Swap&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;27,433&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;735&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,035&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(76)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;38&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;21,981&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;697&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;955&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(68)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Base risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;500&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,120&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;145&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Inflation swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;148,269&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,954&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,231&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,067&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;99,969&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;960&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;41&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,171&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(293)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;87,412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;937&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Cap&amp;amp;Floor&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;200&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;24,791&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;605&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;473&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(233)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,445&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX swap&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,606&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;38&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,740&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;410&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(212)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,445&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;298&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;718&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;85&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20,192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(54)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;131&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Inflation swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;131&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;64&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;91&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Equity Option&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;91&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 1.75pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedges of net investments in foreign operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,666&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;86&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;475&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;136&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,666&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;86&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;475&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;136&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,614&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;474&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;134&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX swap&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 12.25pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;505,992&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,427&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,294&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;749&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.644%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Carrying&#160;amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Nominal value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in fair value used for calculating&#160;hedge ineffectiveness&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance&#160;sheet&#160;line&#160;items&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;308,897&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,584&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,964&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;483&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;290,152&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,070&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,319&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;373&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;276,715&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,082&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;156&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,411&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;59&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;101&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Fx forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,240&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,059&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;91&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,739&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;501&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;586&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,720&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,019&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;486&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;520&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Base risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;500&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;95&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Equity swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;179,271&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,415&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,519&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;558&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;134,503&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,060&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,089&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;144&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,621&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;225&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;106,663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;788&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(130)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,653&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;738&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;258&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;459&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,286&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;362&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;408&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,957&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;323&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;189&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,724&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;539&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;172&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,092&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,632&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;545&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(49)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,316&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;58&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(69)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Inflation swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;82&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;75&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Equity swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedges of net investments in foreign operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,559&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;673&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;269&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;420&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,559&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;673&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;269&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;420&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;23,559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;673&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;269&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;511,727&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,672&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,752&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,461&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.652%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.960%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.839%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.960%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.963%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Carrying&#160;amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Nominal value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in fair value used for calculating&#160;hedge ineffectiveness&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance&#160;sheet&#160;line&#160;items&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;241,792&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,661&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,231&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,869)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;225,377&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,280&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,644&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,684)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;215,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,015&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,871)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,331&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;24&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(98)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,913&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(87)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,084&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;366&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;563&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(87)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,311&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;179&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(107)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;157,796&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,575&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,889&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,828&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;97,780&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;913&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,246&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,181&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,020&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;91,569&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;872&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,214&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,188&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34,823&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,001&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;663&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(498)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;241&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20,043&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;397&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(537)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,217&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;484&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;74&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(98)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,847&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;227&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,370&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;484&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;119&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(325)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,908&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;155&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;906&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;234&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;906&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;240&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;68&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;22&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Option&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 7.75pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedges of net investments in foreign operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,706&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;61&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;536&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,888)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,706&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;61&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;536&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,888)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;18,706&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;536&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,888)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt 0 7.75pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;418,294&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,297&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,656&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,929)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfDetailedInformationAboutHedgingInstrumentsExplanatory>
    <ifrs-full:NotionalAmount contextRef="c-3080" decimals="-6" id="f-7684" unitRef="eur">338057000000</ifrs-full:NotionalAmount>
    <ifrs-full:HedgingInstrumentAssets contextRef="c-3080" decimals="-6" id="f-7685" unitRef="eur">2387000000</ifrs-full:HedgingInstrumentAssets>
    <ifrs-full:HedgingInstrumentLiabilities contextRef="c-3080" decimals="-6" id="f-7686" unitRef="eur">2588000000</ifrs-full:HedgingInstrumentLiabilities>
    <ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness contextRef="c-3081" decimals="-6" id="f-7687" unitRef="eur">-454000000</ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness>
    <ifrs-full:NotionalAmount contextRef="c-3082" decimals="-6" id="f-7688" unitRef="eur">305348000000</ifrs-full:NotionalAmount>
    <ifrs-full:HedgingInstrumentAssets contextRef="c-3082" decimals="-6" id="f-7689" unitRef="eur">1501000000</ifrs-full:HedgingInstrumentAssets>
    <ifrs-full:HedgingInstrumentLiabilities contextRef="c-3082" decimals="-6" id="f-7690" unitRef="eur">1532000000</ifrs-full:HedgingInstrumentLiabilities>
    <ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness contextRef="c-3083" decimals="-6" id="f-7691" unitRef="eur">-433000000</ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness>
    <ifrs-full:NotionalAmount contextRef="c-3084" decimals="-6" id="f-7692" unitRef="eur">285983000000</ifrs-full:NotionalAmount>
    <ifrs-full:HedgingInstrumentAssets contextRef="c-3084" decimals="-6" id="f-7693" unitRef="eur">1326000000</ifrs-full:HedgingInstrumentAssets>
    <ifrs-full:HedgingInstrumentLiabilities contextRef="c-3084" decimals="-6" id="f-7694" unitRef="eur">1485000000</ifrs-full:HedgingInstrumentLiabilities>
    <ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness contextRef="c-3085" decimals="-6" id="f-7695" unitRef="eur">-188000000</ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness>
    <ifrs-full:NotionalAmount contextRef="c-3086" decimals="-6" id="f-7696" unitRef="eur">19365000000</ifrs-full:NotionalAmount>
    <ifrs-full:HedgingInstrumentAssets contextRef="c-3086" decimals="-6" id="f-7697" unitRef="eur">175000000</ifrs-full:HedgingInstrumentAssets>
    <ifrs-full:HedgingInstrumentLiabilities contextRef="c-3086" decimals="-6" id="f-7698" unitRef="eur">47000000</ifrs-full:HedgingInstrumentLiabilities>
    <ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness contextRef="c-3087" decimals="-6" id="f-7699" unitRef="eur">-247000000</ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness>
    <ifrs-full:NotionalAmount contextRef="c-3088" decimals="-6" id="f-7700" unitRef="eur">0</ifrs-full:NotionalAmount>
    <ifrs-full:HedgingInstrumentAssets contextRef="c-3088" decimals="-6" id="f-7701" unitRef="eur">0</ifrs-full:HedgingInstrumentAssets>
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    <san:MacroCashFlowsHedgeHedgedPosition contextRef="c-2" decimals="-6" id="f-8064" unitRef="eur">5000000000</san:MacroCashFlowsHedgeHedgedPosition>
    <ifrs-full:DisclosureOfInformationAboutTermsAndConditionsOfHedgingInstrumentsAndHowTheyAffectFutureCashFlowsExplanatory contextRef="c-1" id="f-8065">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table sets out the maturity profile of the hedging instruments used in Grupo Santander non-dynamic hedging strategies:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up&#160;to&#160;one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One&#160;to&#160;three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three&#160;months&#160;to one year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One&#160;year&#160;to five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,263&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20,353&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;87,830&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;176,040&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;36,571&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;338,057&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,778&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,042&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;82,060&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;160,461&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;28,007&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;305,348&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15,588&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;18,565&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;78,893&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;146,294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;26,643&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;285,983&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;190&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;477&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,167&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,167&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;963&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;365&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,086&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;242&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,656&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Fx forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;963&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,086&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,414&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;522&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;946&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,684&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,079&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,202&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;27,433&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;507&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;892&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,466&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,181&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;21,981&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Base risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;500&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;500&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,120&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,120&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Inflation swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,499&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,405&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21,536&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;103,955&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,874&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;148,269&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,497&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,347&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,090&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;76,749&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,286&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;99,969&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,837&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;507&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,497&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,347&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;64,712&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,779&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;87,412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Cap&amp;amp;Floor&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;200&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;200&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;981&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,169&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,062&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,467&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,112&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;24,791&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;874&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,025&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,445&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX swap&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;956&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,606&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,024&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,740&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,021&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,887&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,371&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,690&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,476&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,445&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;227&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,085&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;180&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,260&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,144&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,605&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20,192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;49&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;64&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Equity option&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedges of net investments in foreign operations:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,945&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,218&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,296&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;207&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,666&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,945&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,218&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,296&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;207&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,666&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,893&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;207&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,614&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX swap&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26,707&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;29,976&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;120,662&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;280,202&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;48,445&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;505,992&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up&#160;to&#160;one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One&#160;to&#160;three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three&#160;months&#160;to one year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One&#160;year&#160;to five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,791&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,953&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;88,519&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;163,086&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,548&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;308,897&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,725&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,680&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;85,981&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;154,440&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26,326&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;290,152&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,913&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;83,890&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;148,913&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;24,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;276,715&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,054&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;717&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;469&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;112&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,059&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,411&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Fx forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,054&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;717&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;469&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,240&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,059&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,059&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;511&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,019&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,034&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,163&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,739&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;149&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;104&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;924&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,720&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,915&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,491&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,240&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,019&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Base risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;500&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;500&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;45&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;50&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;95&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Equity swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,696&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,088&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;43,111&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;94,030&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,346&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;179,271&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,628&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,932&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,390&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;75,459&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,094&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;134,503&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,621&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,621&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,146&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,856&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20,846&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;67,495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,320&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;106,663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,982&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,377&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,765&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,703&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,826&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,653&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,286&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;133&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,383&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,671&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,957&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,086&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;778&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,785&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,813&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,262&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,724&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;997&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;395&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,260&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,092&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,090&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;778&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,553&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,632&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;153&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,163&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,316&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Inflation swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 6.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;55&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;75&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Option&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;55&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedges of net investments in foreign operations:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,918&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,644&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,997&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,559&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,918&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,644&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,997&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,559&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,918&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,644&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,997&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;23,559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;33,405&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,685&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;145,627&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;257,116&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;43,894&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;511,727&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up&#160;to&#160;one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One&#160;to&#160;three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three&#160;months&#160;to one year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One&#160;year&#160;to five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,862&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,535&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;59,170&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;139,486&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21,739&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;241,792&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,266&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,749&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;56,860&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;131,323&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,179&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;225,377&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;55,918&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;125,405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,358&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;215,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;566&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;678&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;619&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;50&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,418&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,331&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Fx forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;566&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;678&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;619&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,913&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;108&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,691&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,113&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,142&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,084&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;87&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,370&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,605&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,681&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;21&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;321&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;461&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,311&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,873&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,149&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;43,913&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;83,291&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,570&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;157,796&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,467&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,859&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,846&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;53,038&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,570&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;97,780&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Future interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,020&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,020&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,241&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,429&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;29,863&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;48,735&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,301&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;91,569&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,655&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,087&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,607&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,711&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,763&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34,823&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,013&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,344&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,617&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;642&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,990&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,525&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20,043&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;407&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,547&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,270&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,187&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;806&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,217&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,575&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,847&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,467&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,270&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,612&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;614&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,370&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;344&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;656&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,182&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,296&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,430&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,908&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Currency swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;318&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,833&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,430&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;59&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;68&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Option&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedges of net investments in foreign operations:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,303&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,940&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,463&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,706&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,303&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,940&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,463&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,706&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;FX forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,303&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,463&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;18,706&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,038&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;35,624&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;112,546&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;222,777&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;28,309&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;418,294&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, for Santander UK Group Holdings plc and Banco Santander, S.A., both the maturity profile, the average interest and exchange rate of hedging instruments by maturity buckets are shown:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"&gt;Santander UK Group Holdings plc group&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up to one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One to three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three&#160;months&lt;br/&gt;to one year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One&#160;year&lt;br/&gt;to five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than five&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,490&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,469&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;69,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;86,738&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;189,285&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.703&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.021&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.181&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.621&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.437&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.091&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;27.000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,936&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.138&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.177&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.182&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.249&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.346&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.293&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.080&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.812&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.991&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.997&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;360&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,472&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;35,087&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,067&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;43,097&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.373&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.344&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.881&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Foreign exchange risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/JPY exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/CHF exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.121&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.180&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.334&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.275&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.373&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/CAD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;87&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,206&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.166&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.181&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.172&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.334&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.281&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.397&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.973&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.475&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up to one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One to three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three&#160;months&lt;br/&gt;to one year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One&#160;year&lt;br/&gt;to five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than five&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,598&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;64,755&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;93,176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;174,672&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.749&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.496&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.868&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.653&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.200&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(0.346)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(0.446)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.585&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.370&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.534&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.531&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.756&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.449&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;212&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,280&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,902&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.136&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.162&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.176&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.318&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.281&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.350&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.831&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,330&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,190&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,896&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;34,841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;63,582&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.075&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.707&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.352&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Foreign exchange risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;311&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,730&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;23,171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/JPY exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;178.368&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;179.995&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;187.640&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/CHF exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.086&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.115&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.203&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.188&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.177&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.162&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.238&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.297&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.388&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/CAD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.758&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;75&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,993&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;476&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,039&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;707&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,509&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.124&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.161&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.213&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.538&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.319&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.537&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.480&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.760&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.203&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.771&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.885&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.983&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt 0 7.75pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up to one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One to three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three months to one&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One year to five&#160;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than five&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;37,158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;70,075&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,467&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;123,093&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.190&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.890&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.990&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.140&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.180&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.450&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.920&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.600&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.460&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.360&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,172&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,411&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.113&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.156&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.148&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.318&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.770&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.480&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.830&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,050&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,553&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15,756&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;31,941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;53,705&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.050&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.450&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Foreign exchange risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,068&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,266&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,104&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,888&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,763&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;23,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/JPY exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;154.135&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;153.954&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;167.846&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/CHF exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.092&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.093&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.089&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.121&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.121&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.197&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.167&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.392&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.277&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.388&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,614&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;719&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,914&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,183&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.254&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.198&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.189&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,663&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.383&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.537&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.570&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.540&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.960&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"&gt;Banco Santander, S.A.&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up to one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One to three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three months to one&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One year to five&#160;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than five&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;746&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,790&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,849&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;34,331&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17,003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;61,719&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.155&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.725&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.371&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.303&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.809&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.101&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.139&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.330&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CHF&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.403&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.075&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.422&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.983&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.653&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.991&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CZK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.650&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.350&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) NOK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.403&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) AUD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.824&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) RON&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.880&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.200&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) HKD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.960&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) NZD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.252&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Foreign exchange risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;329&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;697&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CNY/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,273&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,284&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average MXN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,173&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;956&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,750&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,608&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,459&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) AUD/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6.101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CZK/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.264&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) RON/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.697&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) HKD/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) JPY/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.975&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) NOK/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.155&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CHF/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.021&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.919&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD/CLP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD/COP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11.669&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11.703&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9.869&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9.356&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD/MXN&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8.800&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average AUD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.617&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.584&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average NZD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.666&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CZK/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;26.131&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25.365&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;24.832&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average EUR/COP exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average EUR/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.940&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.948&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average HKD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8.488&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average JPY/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;137.802&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;129.229&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average MXN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19.083&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average NOK/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9.519&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10.651&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average RON/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.948&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.927&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.980&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CHF/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.935&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average USD/COP exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average USD/MXN exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.055&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Basis Risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Basis risk instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up to one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One to three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three months to one&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One year to five&#160;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than five&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate and foreign exchange rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;236&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;288&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;213&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;817&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) AUD/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.678&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CHF/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average AUD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.590&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.562&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average RON/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.940&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CHF/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.002&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Bond Forward instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;507&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,630&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.964&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.695&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.016&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) AUD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.650&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average exchange rate GBP/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.129&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.119&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedges of net investments in foreign operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,574&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,530&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,866&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;207&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17,177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average BRL/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6.892&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6.979&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6.652&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CLP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,054.241&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,018.994&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,108.027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,099.571&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average COP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,566&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.860&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.867&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.884&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average MXN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22.187&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;23.465&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22.823&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average USD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.078&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.175&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average PLN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.321&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.307&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.309&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CAD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.611&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average UYU/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;48.093&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;48.729&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;49.916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;53.350&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up to one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One to three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three months to one&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One year to five&#160;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than five&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,431&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,446&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,878&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;33,324&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15,991&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;62,070&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.120&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.640&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.340&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.010&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.460&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.170&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.010&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.740&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.460&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.720&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CZK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) NOK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.400&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) AUD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.820&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) RON&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.610&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.200&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) HKD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.960&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) NZD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.250&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Foreign exchange risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;473&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CNY/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,710&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,710&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,710&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average MXN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,178&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;148&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,355&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,859&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,669&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,043&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) AUD/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.690&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6.100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CZK/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.190&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) RON/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6.970&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) HKD/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.620&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) JPY/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.410&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) NOK/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CHF/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.030&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD/COP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12.750&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10.580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10.540&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7.760&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR/GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6.690&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD/MXN&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11.300&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average AUD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.599&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.584&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average NZD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.666&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CZK/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;26.030&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25.634&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average EUR/GBP exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.189&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average EUR/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.982&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.943&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average HKD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8.488&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average JPY/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;134.151&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;129.229&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average MXN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19.083&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average NOK/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9.519&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10.429&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average RON/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.810&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.940&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.980&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CHF/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.932&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average USD/COP exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average USD/MXN exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.052&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Basis Risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Basis risk instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up to one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One to three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three months to one&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One year to five&#160;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than five&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate and foreign exchange rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,055&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;84&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) AUD/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.520&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CHF/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average AUD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.580&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.560&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average RON/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.940&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CHF/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.000&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;Bond Forward instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,200&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,820&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,020&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average exchange rate GBP/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.200&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.170&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.190&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedges of net investments in foreign operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,240&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,821&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;21,131&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average BRL/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.990&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6.120&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6.270&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CLP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,052.780&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,066.580&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,045.090&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average COP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,703&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.860&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.850&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.850&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average MXN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20.280&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19.830&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;21.970&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average USD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.090&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.080&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.090&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average PLN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.370&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.410&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.410&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CAD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CHF/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.940&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average UYU/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;45.820&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;45.160&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;48.290&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up to one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One to three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three months to one&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One year to five&#160;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than five&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,532&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;194&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,880&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22,714&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,775&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;41,095&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) GBP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.036&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.096&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.085&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.422&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.421&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CHF&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.010&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.015&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.688&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.603&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Foreign exchange risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;278&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;634&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;524&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,486&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average PEN/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.784&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.751&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CNY/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7.323&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7.732&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7.716&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average AUD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.648&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.665&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average MXN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19.363&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average COP/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,159.190&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,998.060&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average MAD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10.929&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11.057&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average PEN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.095&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.110&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,450&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,321&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,017&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) AUD/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.800&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.615&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CZK/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) RON/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.967&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) HKD/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2.580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.270&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) JPY/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.298&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) NOK/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.501&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CHF/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.243&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD/MXN&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14.250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD/COP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17.980&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6.152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13.207&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7.149&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR/USD&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(0.140)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) USD/CLP&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.450&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average AUD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.499&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.545&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CZK/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25.831&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average EUR/USD exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.891&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.961&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average HKD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8.782&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8.666&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average JPY/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;120.568&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;134.151&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;129.229&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average NOK/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9.519&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10.429&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average RON/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.711&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.887&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CHF/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.104&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average MXN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19.083&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average USD/CLP exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.001&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average NZD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.666&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average USD/MXN exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.124%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Up to one month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One to three months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Three months to one&#160;year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;One year to five&#160;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than five&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and foreign exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate and foreign exchange rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;414&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,075&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,575&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) CHF/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.106&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) AUD/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3.521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average EUR/GBP exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.173&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average AUD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.584&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.562&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average RON/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CHF/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.002&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Bond Forward instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,750&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,000&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average fixed interest rate (%) EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(0.124)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(0.889)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.016&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average exchange rate GBP/EUR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.148&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.146&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedges of net investments in foreign operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange and interest rate instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Nominal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,870&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,034&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16,497&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average BRL/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.569&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5.481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CLP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;916.724&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;936.166&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;987.202&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average COP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,525.656&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average GBP/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.866&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.876&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average MXN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20.078&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20.589&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20.210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average USD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.129&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.081&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average PLN/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.664&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.752&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4.580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CAD/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1.461&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average CHF/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;0.940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Average UYU/EUR exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;43.235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;43.521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;44.400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfInformationAboutTermsAndConditionsOfHedgingInstrumentsAndHowTheyAffectFutureCashFlowsExplanatory>
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    <ifrs-full:NotionalAmount contextRef="c-3265" decimals="-6" id="f-8067" unitRef="eur">20353000000</ifrs-full:NotionalAmount>
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    <ifrs-full:NotionalAmount contextRef="c-3080" decimals="-6" id="f-8071" unitRef="eur">338057000000</ifrs-full:NotionalAmount>
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    <ifrs-full:NotionalAmount contextRef="c-3277" decimals="-6" id="f-8081" unitRef="eur">146294000000</ifrs-full:NotionalAmount>
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    <ifrs-full:NotionalAmount contextRef="c-3317" decimals="-6" id="f-8129" unitRef="eur">500000000</ifrs-full:NotionalAmount>
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    <ifrs-full:NotionalAmount contextRef="c-3104" decimals="-6" id="f-8131" unitRef="eur">500000000</ifrs-full:NotionalAmount>
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    <ifrs-full:NotionalAmount contextRef="c-3321" decimals="-6" id="f-8134" unitRef="eur">0</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-3322" decimals="-6" id="f-8135" unitRef="eur">500000000</ifrs-full:NotionalAmount>
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    <ifrs-full:NotionalAmount contextRef="c-3327" decimals="-6" id="f-8141" unitRef="eur">0</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-3328" decimals="-6" id="f-8142" unitRef="eur">2120000000</ifrs-full:NotionalAmount>
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    <ifrs-full:NotionalAmount contextRef="c-3330" decimals="-6" id="f-8145" unitRef="eur">0</ifrs-full:NotionalAmount>
    <ifrs-full:NotionalAmount contextRef="c-3331" decimals="-6" id="f-8146" unitRef="eur">0</ifrs-full:NotionalAmount>
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      unitRef="uyuPerEUR">0</ifrs-full:AverageForeignExchangeRate>
    <ifrs-full:AverageForeignExchangeRate
      contextRef="c-4529"
      decimals="3"
      id="f-9889"
      unitRef="uyuPerEUR">0</ifrs-full:AverageForeignExchangeRate>
    <ifrs-full:DisclosureOfDetailedInformationAboutHedgedItemsExplanatory contextRef="c-1" id="f-9890">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Regarding the hedged items, the following table shows the detail of the type of hedging, the risk that is hedged and which products are being hedged  at 31 December 2025,  2024 and 2023. The products that are being hedged are mainly borrowed deposits, financial deposits, loans, government bonds as assets and financial bonds as liabilities: &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.720%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" rowspan="4" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:33pt"&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Carrying amount of hedged items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Accumulated amount of fair value adjustments on the hedged item&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Balance&#160;sheet&#160;line&#160;item&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Change in fair value of hedged item for ineffectiveness assessment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Cash flow reserves or conversion reserves&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Continuing hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Discontinued hedges&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;166,907&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;107,124&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(191)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;490&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Loans and advances / Deposits and Debt securities / Debt securities issued&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;461&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;152,380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;93,395&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(201)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,154&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(43)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest and Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;9,619&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;13,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;38&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Base risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;501&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,063)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;401&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;235&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1,174)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;240&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest and Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(131)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Net foreign investments hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;19,666&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(136)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(7,867)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;19,666&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(136)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(7,867)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;186,573&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;107,124&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(191)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;490&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(738)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(7,466)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;237&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.720%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" rowspan="4" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:33pt"&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Carrying amount of hedged items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Accumulated amount of fair value adjustments on the hedged item&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Balance&#160;sheet&#160;line&#160;item&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Change in fair value of hedged item for ineffectiveness assessment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Cash flow reserves or conversion reserves&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Continuing hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Discontinued hedges&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;138,906&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;32,642&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,412)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,200)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Loans and advances / Deposits and Debt securities / Debt securities issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(461)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;133,149&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;23,780&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1,345)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1,176)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(343)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,017&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,562&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(118)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest and Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;7,205&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(68)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(27)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Base risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(564)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(478)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;50&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(156)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(794)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(439)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;213&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest and Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;82&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(52)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Net foreign investments hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;23,559&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(420)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(8,002)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;23,559&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(420)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(8,002)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;162,465&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;32,642&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,412)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,200)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,445)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(8,480)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;50&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.016%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" rowspan="4" style="border-bottom:0.5pt solid #ec0000;border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:1pt solid #ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="27" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:33pt"&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Carrying amount of hedged items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Accumulated amount of fair value adjustments on the hedged item&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Balance&#160;sheet&#160;line&#160;item&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Change in fair value of hedged item for ineffectiveness assessment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Cash flow reserves or conversion reserves&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:1pt solid #c3dee7;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Continuing hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Discontinued hedges&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;134,095&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;26,946&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,798)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,652)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Loans and advances / Deposits and Debt securities / Debt securities issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,928&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;130,672&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;19,176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1,682)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1,546)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,757&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;637&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;60&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest and Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,786&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;6,405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(115)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(103)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,824)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(813)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(173)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2,182)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(797)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(77)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(80)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest and Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(144)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(233)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;196&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(96)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Net foreign investments hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;18,706&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,888&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(8,684)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;18,706&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,888&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(8,684)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;152,801&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;26,946&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,798)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(1,652)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,992&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(9,497)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(173)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfDetailedInformationAboutHedgedItemsExplanatory>
    <ifrs-full:HedgedItemAssets contextRef="c-3080" decimals="-6" id="f-9891" unitRef="eur">166907000000</ifrs-full:HedgedItemAssets>
    <ifrs-full:HedgedItemLiabilities contextRef="c-3080" decimals="-6" id="f-9892" unitRef="eur">107124000000</ifrs-full:HedgedItemLiabilities>
    <san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges contextRef="c-3080" decimals="-6" id="f-9893" unitRef="eur">-191000000</san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges>
    <san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro contextRef="c-3080" decimals="-6" id="f-9894" unitRef="eur">490000000</san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro>
    <ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness contextRef="c-3081" decimals="-6" id="f-9895" unitRef="eur">461000000</ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness>
    <san:CashFlowReservesOrConversionReservesContinuingHedges contextRef="c-3080" decimals="-6" id="f-9896" unitRef="eur">0</san:CashFlowReservesOrConversionReservesContinuingHedges>
    <san:CashFlowReservesOrConversionReservesDiscontinuedHedges contextRef="c-3080" decimals="-6" id="f-9897" unitRef="eur">0</san:CashFlowReservesOrConversionReservesDiscontinuedHedges>
    <ifrs-full:HedgedItemAssets contextRef="c-3082" decimals="-6" id="f-9898" unitRef="eur">152380000000</ifrs-full:HedgedItemAssets>
    <ifrs-full:HedgedItemLiabilities contextRef="c-3082" decimals="-6" id="f-9899" unitRef="eur">93395000000</ifrs-full:HedgedItemLiabilities>
    <san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges contextRef="c-3082" decimals="-6" id="f-9900" unitRef="eur">-201000000</san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges>
    <san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro contextRef="c-3082" decimals="-6" id="f-9901" unitRef="eur">364000000</san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro>
    <ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness contextRef="c-3083" decimals="-6" id="f-9902" unitRef="eur">400000000</ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness>
    <san:CashFlowReservesOrConversionReservesContinuingHedges contextRef="c-3082" decimals="-6" id="f-9903" unitRef="eur">0</san:CashFlowReservesOrConversionReservesContinuingHedges>
    <san:CashFlowReservesOrConversionReservesDiscontinuedHedges contextRef="c-3082" decimals="-6" id="f-9904" unitRef="eur">0</san:CashFlowReservesOrConversionReservesDiscontinuedHedges>
    <ifrs-full:HedgedItemAssets contextRef="c-3090" decimals="-6" id="f-9905" unitRef="eur">2154000000</ifrs-full:HedgedItemAssets>
    <ifrs-full:HedgedItemLiabilities contextRef="c-3090" decimals="-6" id="f-9906" unitRef="eur">242000000</ifrs-full:HedgedItemLiabilities>
    <san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges contextRef="c-3090" decimals="-6" id="f-9907" unitRef="eur">-6000000</san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges>
    <san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro contextRef="c-3090" decimals="-6" id="f-9908" unitRef="eur">0</san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro>
    <ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness contextRef="c-3091" decimals="-6" id="f-9909" unitRef="eur">-43000000</ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness>
    <san:CashFlowReservesOrConversionReservesContinuingHedges contextRef="c-3090" decimals="-6" id="f-9910" unitRef="eur">0</san:CashFlowReservesOrConversionReservesContinuingHedges>
    <san:CashFlowReservesOrConversionReservesDiscontinuedHedges contextRef="c-3090" decimals="-6" id="f-9911" unitRef="eur">0</san:CashFlowReservesOrConversionReservesDiscontinuedHedges>
    <ifrs-full:HedgedItemAssets contextRef="c-3098" decimals="-6" id="f-9912" unitRef="eur">9619000000</ifrs-full:HedgedItemAssets>
    <ifrs-full:HedgedItemLiabilities contextRef="c-3098" decimals="-6" id="f-9913" unitRef="eur">13487000000</ifrs-full:HedgedItemLiabilities>
    <san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges contextRef="c-3098" decimals="-6" id="f-9914" unitRef="eur">3000000</san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges>
    <san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro contextRef="c-3098" decimals="-6" id="f-9915" unitRef="eur">126000000</san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro>
    <ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness contextRef="c-3099" decimals="-6" id="f-9916" unitRef="eur">66000000</ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness>
    <san:CashFlowReservesOrConversionReservesContinuingHedges contextRef="c-3098" decimals="-6" id="f-9917" unitRef="eur">0</san:CashFlowReservesOrConversionReservesContinuingHedges>
    <san:CashFlowReservesOrConversionReservesDiscontinuedHedges contextRef="c-3098" decimals="-6" id="f-9918" unitRef="eur">0</san:CashFlowReservesOrConversionReservesDiscontinuedHedges>
    <ifrs-full:HedgedItemAssets contextRef="c-3108" decimals="-6" id="f-9919" unitRef="eur">2253000000</ifrs-full:HedgedItemAssets>
    <ifrs-full:HedgedItemLiabilities contextRef="c-3108" decimals="-6" id="f-9920" unitRef="eur">0</ifrs-full:HedgedItemLiabilities>
    <san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges contextRef="c-3108" decimals="-6" id="f-9921" unitRef="eur">13000000</san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges>
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      contextRef="c-3244"
      decimals="-6"
      id="f-10128"
      unitRef="eur">-144000000</san:CashFlowReservesOrConversionReservesContinuingHedges>
    <san:CashFlowReservesOrConversionReservesDiscontinuedHedges
      contextRef="c-3244"
      decimals="-6"
      id="f-10129"
      unitRef="eur">0</san:CashFlowReservesOrConversionReservesDiscontinuedHedges>
    <ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness
      contextRef="c-3251"
      decimals="-6"
      id="f-10130"
      unitRef="eur">-233000000</ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness>
    <san:CashFlowReservesOrConversionReservesContinuingHedges
      contextRef="c-3250"
      decimals="-6"
      id="f-10131"
      unitRef="eur">196000000</san:CashFlowReservesOrConversionReservesContinuingHedges>
    <san:CashFlowReservesOrConversionReservesDiscontinuedHedges
      contextRef="c-3250"
      decimals="-6"
      id="f-10132"
      unitRef="eur">-96000000</san:CashFlowReservesOrConversionReservesDiscontinuedHedges>
    <ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness
      contextRef="c-3255"
      decimals="-6"
      id="f-10133"
      unitRef="eur">-9000000</ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness>
    <san:CashFlowReservesOrConversionReservesContinuingHedges
      contextRef="c-3254"
      decimals="-6"
      id="f-10134"
      unitRef="eur">12000000</san:CashFlowReservesOrConversionReservesContinuingHedges>
    <san:CashFlowReservesOrConversionReservesDiscontinuedHedges
      contextRef="c-3254"
      decimals="-6"
      id="f-10135"
      unitRef="eur">0</san:CashFlowReservesOrConversionReservesDiscontinuedHedges>
    <ifrs-full:HedgedItemAssets
      contextRef="c-3258"
      decimals="-6"
      id="f-10136"
      unitRef="eur">18706000000</ifrs-full:HedgedItemAssets>
    <ifrs-full:HedgedItemLiabilities
      contextRef="c-3258"
      decimals="-6"
      id="f-10137"
      unitRef="eur">0</ifrs-full:HedgedItemLiabilities>
    <ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness
      contextRef="c-3259"
      decimals="-6"
      id="f-10138"
      unitRef="eur">1888000000</ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness>
    <san:CashFlowReservesOrConversionReservesContinuingHedges
      contextRef="c-3258"
      decimals="-6"
      id="f-10139"
      unitRef="eur">-8684000000</san:CashFlowReservesOrConversionReservesContinuingHedges>
    <san:CashFlowReservesOrConversionReservesDiscontinuedHedges
      contextRef="c-3258"
      decimals="-6"
      id="f-10140"
      unitRef="eur">0</san:CashFlowReservesOrConversionReservesDiscontinuedHedges>
    <ifrs-full:HedgedItemAssets
      contextRef="c-3260"
      decimals="-6"
      id="f-10141"
      unitRef="eur">18706000000</ifrs-full:HedgedItemAssets>
    <ifrs-full:HedgedItemLiabilities
      contextRef="c-3260"
      decimals="-6"
      id="f-10142"
      unitRef="eur">0</ifrs-full:HedgedItemLiabilities>
    <ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness
      contextRef="c-3261"
      decimals="-6"
      id="f-10143"
      unitRef="eur">1888000000</ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness>
    <san:CashFlowReservesOrConversionReservesContinuingHedges
      contextRef="c-3260"
      decimals="-6"
      id="f-10144"
      unitRef="eur">-8684000000</san:CashFlowReservesOrConversionReservesContinuingHedges>
    <san:CashFlowReservesOrConversionReservesDiscontinuedHedges
      contextRef="c-3260"
      decimals="-6"
      id="f-10145"
      unitRef="eur">0</san:CashFlowReservesOrConversionReservesDiscontinuedHedges>
    <ifrs-full:HedgedItemAssets contextRef="c-4" decimals="-6" id="f-10146" unitRef="eur">152801000000</ifrs-full:HedgedItemAssets>
    <ifrs-full:HedgedItemLiabilities contextRef="c-4" decimals="-6" id="f-10147" unitRef="eur">26946000000</ifrs-full:HedgedItemLiabilities>
    <san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges contextRef="c-4" decimals="-6" id="f-10148" unitRef="eur">-1798000000</san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsAssetMacroAndMicroHedges>
    <san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro contextRef="c-4" decimals="-6" id="f-10149" unitRef="eur">-1652000000</san:AccumulatedFairValueHedgeAdjustmentOnHedgedItemRecognisedAsLiabilityMacroAndMicro>
    <ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness contextRef="c-87" decimals="-6" id="f-10150" unitRef="eur">1992000000</ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness>
    <san:CashFlowReservesOrConversionReservesContinuingHedges contextRef="c-4" decimals="-6" id="f-10151" unitRef="eur">-9497000000</san:CashFlowReservesOrConversionReservesContinuingHedges>
    <san:CashFlowReservesOrConversionReservesDiscontinuedHedges contextRef="c-4" decimals="-6" id="f-10152" unitRef="eur">-173000000</san:CashFlowReservesOrConversionReservesDiscontinuedHedges>
    <ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets contextRef="c-2" decimals="-6" id="f-10153" unitRef="eur">-227000000</ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets>
    <ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets contextRef="c-3" decimals="-6" id="f-10154" unitRef="eur">-775000000</ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets>
    <ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets contextRef="c-4" decimals="-6" id="f-10155" unitRef="eur">-1006000000</ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets>
    <ifrs-full:DisclosureOfInformationAboutAmountsThatAffectedStatementOfComprehensiveIncomeAsResultOfHedgeAccountingExplanatory contextRef="c-1" id="f-10156">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The net impact of the hedges are shown in the following table:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.347%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="4" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="15" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Earnings/(losses) recognised in another cumulative overall result&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Ineffective  recognised in the income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Line of the income statement that includes the ineffectiveness of cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Reclassified amount of reserves to the income statement due to:&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:39pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cover transaction affecting the income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Line of the income statement that includes reclassified items&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gains or losses financial assets/liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(33)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,063&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(706)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest margin/Gains or losses financial assets/liabilities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(638)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(240)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;85&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(233)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;131&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net foreign investments hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;136&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,199&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(706)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.347%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="4" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="15" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Earnings/(losses) recognised in another cumulative overall result&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Ineffective  recognised in the income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Line of the income statement that includes the ineffectiveness of cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Reclassified amount of reserves to the income statement due to:&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:39pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cover transaction affecting the income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Line of the income statement that includes reclassified items&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;22&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gains or losses financial assets/liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt 0 7pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;558&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,256)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest margin/Gains or losses financial assets/liabilities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,166)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;319&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;155&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(340)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(69)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net foreign investments hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;420&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;978&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,256)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.347%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="4" style="border-bottom:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="15" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Earnings/(losses) recognised in another cumulative overall result&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Ineffective coverage recognised in the income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Line of the income statement that includes the ineffectiveness of cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Reclassified amount of reserves to the income statement due to:&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:39pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cover transaction affecting the income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Line of the income statement that includes reclassified items&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;59&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gains or losses financial assets/liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;72&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#b6b6b6;border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:8pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,592&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gains or losses financial assets/liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,622)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest margin/Gains or losses financial assets/liabilities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,179&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,647)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(416)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(431)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(128)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:8pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net foreign investments hedges&lt;br/&gt;hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,888)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,888)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;704&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;63&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,622)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfInformationAboutAmountsThatAffectedStatementOfComprehensiveIncomeAsResultOfHedgeAccountingExplanatory>
    <ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss
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    <ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss
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      id="f-10158"
      unitRef="eur">-33000000</ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss>
    <ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss
      contextRef="c-3091"
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      id="f-10159"
      unitRef="eur">3000000</ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss>
    <ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss
      contextRef="c-3099"
      decimals="-6"
      id="f-10160"
      unitRef="eur">-9000000</ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss>
    <ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss
      contextRef="c-3109"
      decimals="-6"
      id="f-10161"
      unitRef="eur">46000000</ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss>
    <san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome
      contextRef="c-4546"
      decimals="-6"
      id="f-10162"
      unitRef="eur">1063000000</san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome>
    <ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss
      contextRef="c-4546"
      decimals="-6"
      id="f-10163"
      unitRef="eur">4000000</ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss>
    <san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax
      contextRef="c-4546"
      decimals="-6"
      id="f-10164"
      unitRef="eur">706000000</san:ReclassificationAdjustmentsOfCoverTransactionAffectingProfitOrLossBeforeTax>
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      contextRef="c-4547"
      decimals="-6"
      id="f-10165"
      unitRef="eur">1174000000</san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome>
    <ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss
      contextRef="c-4547"
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    <san:DisclosureOfReconciliationOfHedgingComponentsInOtherComprehensiveIncomeTableTextBlock contextRef="c-1" id="f-10251">&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table shows the movement in the impact of equity for the year:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.554%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.554%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.555%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 8.09pt 0 1pt;text-indent:-7.09pt"&gt;&lt;div style="margin-bottom:6pt;padding-right:7.09pt;text-align:justify;text-indent:-7.09pt"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(8,300)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(9,424)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(9,187)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cash flow hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,049&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;558&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,592&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,155&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;163&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,179&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;A) Not designated elements - linked to a time period&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:17.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Gain or loss in value - recognized in equity&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Amounts transferred to income statements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:17.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other reclassifications&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;B) Not designated elements - linked to a transaction&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;C) Designated elements&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,174&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;163&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,179&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Amounts transferred to income statements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;638&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,166&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,647&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Gain or loss in value CFE - recognized in equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;536&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,003)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;532&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(229)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;312&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;A) Not designated elements - linked to a time period&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:17.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Gain or loss in value - recognized in equity&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Amounts transferred to income statements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:17.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other reclassifications&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;B) Not designated elements - linked to a transaction&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;C) Designated elements&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(240)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;312&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Amounts transferred to income statements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(85)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(319)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;416&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Gain or loss in value CFE - recognized in equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(155)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;631&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(409)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;155&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;164&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;A) Not designated elements - linked to a time period&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;B) Not designated elements - linked to a transaction&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;C) Designated elements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;155&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;164&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Amounts transferred to income statements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;233&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;340&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Gain or loss in value CFE - recognized in equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(225)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(185)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Inflation risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;131&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;233&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Amounts transferred to income statements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(80)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Gain or loss in value CFE - recognized in equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(139)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;A) Not designated elements - linked to a time period&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:17.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Gain or loss in value - recognized in equity&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Amounts transferred to income statements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:17.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other reclassifications&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:11.25pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;B) Not designated elements - linked to a transaction&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;C) Designated elements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.554%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.554%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.555%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Amounts transferred to income statements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Gain or loss in value CFE - recognized in equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net foreign investments hedges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;136&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,888)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;136&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,888)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;A) Not designated elements - linked to a time period&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;B) Not designated elements - linked to a transaction&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;C) Designated elements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;136&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,888)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Amounts transferred to income statements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Gain or loss in value CFE - recognized in equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,888)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair Value hedges&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate risk&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;A) Not designated elements - linked to a time period&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;B) Not designated elements - linked to a transaction&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;A) Not designated elements - linked to a time period&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;B) Not designated elements - linked to a transaction&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate and exchange rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;A) Not designated elements - linked to a time period&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;B) Not designated elements - linked to a transaction&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Minorities, taxes and others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(330)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;146&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(941)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(7,445)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" 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    <san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome
      contextRef="c-3225"
      decimals="-6"
      id="f-10410"
      unitRef="eur">0</san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome>
    <san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome
      contextRef="c-4615"
      decimals="-6"
      id="f-10411"
      unitRef="eur">0</san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome>
    <san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome
      contextRef="c-4616"
      decimals="-6"
      id="f-10412"
      unitRef="eur">0</san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome>
    <san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome
      contextRef="c-4617"
      decimals="-6"
      id="f-10413"
      unitRef="eur">0</san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome>
    <san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome
      contextRef="c-4618"
      decimals="-6"
      id="f-10414"
      unitRef="eur">0</san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome>
    <san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome
      contextRef="c-4619"
      decimals="-6"
      id="f-10415"
      unitRef="eur">0</san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome>
    <san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome
      contextRef="c-4620"
      decimals="-6"
      id="f-10416"
      unitRef="eur">0</san:GainLossOnHedgingInstrumentRecognisedInOtherComprehensiveIncome>
    <san:NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome
      contextRef="c-3145"
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      id="f-10417"
      unitRef="eur">-330000000</san:NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome>
    <san:NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome
      contextRef="c-3207"
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      id="f-10418"
      unitRef="eur">146000000</san:NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome>
    <san:NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome
      contextRef="c-3259"
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      id="f-10419"
      unitRef="eur">-941000000</san:NonControllingInterestRelatingToCashFlowHedgesOfOtherComprehensiveIncome>
    <san:ReserveOfHedgingInstruments contextRef="c-2" decimals="-6" id="f-10420" unitRef="eur">-7445000000</san:ReserveOfHedgingInstruments>
    <san:ReserveOfHedgingInstruments contextRef="c-3" decimals="-6" id="f-10421" unitRef="eur">-8300000000</san:ReserveOfHedgingInstruments>
    <san:ReserveOfHedgingInstruments contextRef="c-4" decimals="-6" id="f-10422" unitRef="eur">-9424000000</san:ReserveOfHedgingInstruments>
    <ifrs-full:DisclosureOfDiscontinuedOperationsExplanatory contextRef="c-1" id="f-10423">Discontinued operations&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As a result of the agreement for the sale of part of the Polish business, the effect of these businesses on the consolidated income statement of 2025 has been classified under the line item 'Profit/(loss) after tax from discontinued operations', with the same classification applied for comparative purposes in the consolidated income statement of years 2024 and 2023 (see Note 3).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i3e43c14d3f6246aaa8000757a85fe2db"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Breakdown&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following is a breakdown of the heading 'Profit/loss after tax from discontinued operations' at 31 December of 2025, 2024 and 2023:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;Entities held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;Santander Bank Polska (Note 3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,542&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;1,241&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;1,058&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;Profit/loss after tax from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,542&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;1,241&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;1,058&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="id047b6c8096344d99edc2514b6af0369"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Gains or losses from entities held for sale&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following are the consolidated summary profit and loss accounts for the business held for sale in Poland:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Condensed consolidated income statements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest margin&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,006&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,881&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,611&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Dividend income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Investments accounted for using the equity method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net commissions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;685&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;562&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net trading income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;74&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating results&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(77)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(109)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(94)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,720&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,496&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,172&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Administrative expenses, depreciation and amortisation cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,014)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(885)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(793)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment of financial assets&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(285)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(508)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(658)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other results and provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(471)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(423)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(267)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit before taxes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,950&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,680&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,454&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(408)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(439)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(396)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,542&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,241&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,058&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Of which EUR 144 million correspond to renegotiations or contractual modifications at 31 December 2025 (EUR 334  and 457 million at 31 December 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfDiscontinuedOperationsExplanatory>
    <san:DiscontinuedOperationsConsolidatedIncomeAndCashFlowStatementsTableTextBlock contextRef="c-1" id="f-10424">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following is a breakdown of the heading 'Profit/loss after tax from discontinued operations' at 31 December of 2025, 2024 and 2023:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;Entities held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;Santander Bank Polska (Note 3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,542&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;1,241&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;1,058&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;Profit/loss after tax from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,542&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;1,241&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:700;line-height:105%"&gt;1,058&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following are the consolidated summary profit and loss accounts for the business held for sale in Poland:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Condensed consolidated income statements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest margin&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,006&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,881&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,611&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Dividend income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Investments accounted for using the equity method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net commissions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;685&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;562&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net trading income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;74&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating results&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(77)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(109)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(94)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,720&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,496&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,172&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Administrative expenses, depreciation and amortisation cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,014)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(885)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(793)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment of financial assets&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(285)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(508)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(658)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other results and provisions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(471)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(423)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(267)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit before taxes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,950&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,680&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,454&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(408)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(439)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(396)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit of the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,542&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,241&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,058&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Of which EUR 144 million correspond to renegotiations or contractual modifications at 31 December 2025 (EUR 334  and 457 million at 31 December 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;</san:DiscontinuedOperationsConsolidatedIncomeAndCashFlowStatementsTableTextBlock>
    <ifrs-full:ProfitLossFromDiscontinuedOperations
      contextRef="c-1630"
      decimals="-6"
      id="f-10425"
      unitRef="eur">1542000000</ifrs-full:ProfitLossFromDiscontinuedOperations>
    <ifrs-full:ProfitLossFromDiscontinuedOperations
      contextRef="c-1631"
      decimals="-6"
      id="f-10426"
      unitRef="eur">1241000000</ifrs-full:ProfitLossFromDiscontinuedOperations>
    <ifrs-full:ProfitLossFromDiscontinuedOperations
      contextRef="c-1632"
      decimals="-6"
      id="f-10427"
      unitRef="eur">1058000000</ifrs-full:ProfitLossFromDiscontinuedOperations>
    <ifrs-full:ProfitLossFromDiscontinuedOperations contextRef="c-1" decimals="-6" id="f-10428" unitRef="eur">1542000000</ifrs-full:ProfitLossFromDiscontinuedOperations>
    <ifrs-full:ProfitLossFromDiscontinuedOperations contextRef="c-86" decimals="-6" id="f-10429" unitRef="eur">1241000000</ifrs-full:ProfitLossFromDiscontinuedOperations>
    <ifrs-full:ProfitLossFromDiscontinuedOperations contextRef="c-87" decimals="-6" id="f-10430" unitRef="eur">1058000000</ifrs-full:ProfitLossFromDiscontinuedOperations>
    <ifrs-full:RevenueFromInterest
      contextRef="c-1633"
      decimals="-6"
      id="f-10431"
      unitRef="eur">3006000000</ifrs-full:RevenueFromInterest>
    <ifrs-full:RevenueFromInterest
      contextRef="c-1634"
      decimals="-6"
      id="f-10432"
      unitRef="eur">2881000000</ifrs-full:RevenueFromInterest>
    <ifrs-full:RevenueFromInterest
      contextRef="c-1635"
      decimals="-6"
      id="f-10433"
      unitRef="eur">2611000000</ifrs-full:RevenueFromInterest>
    <ifrs-full:RevenueFromDividends
      contextRef="c-1633"
      decimals="-6"
      id="f-10434"
      unitRef="eur">4000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends
      contextRef="c-1634"
      decimals="-6"
      id="f-10435"
      unitRef="eur">4000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends
      contextRef="c-1635"
      decimals="-6"
      id="f-10436"
      unitRef="eur">3000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod
      contextRef="c-1633"
      decimals="-6"
      id="f-10437"
      unitRef="eur">28000000</ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod
      contextRef="c-1634"
      decimals="-6"
      id="f-10438"
      unitRef="eur">24000000</ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod
      contextRef="c-1635"
      decimals="-6"
      id="f-10439"
      unitRef="eur">22000000</ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod>
    <ifrs-full:FeeAndCommissionIncomeExpense
      contextRef="c-1633"
      decimals="-6"
      id="f-10440"
      unitRef="eur">685000000</ifrs-full:FeeAndCommissionIncomeExpense>
    <ifrs-full:FeeAndCommissionIncomeExpense
      contextRef="c-1634"
      decimals="-6"
      id="f-10441"
      unitRef="eur">634000000</ifrs-full:FeeAndCommissionIncomeExpense>
    <ifrs-full:FeeAndCommissionIncomeExpense
      contextRef="c-1635"
      decimals="-6"
      id="f-10442"
      unitRef="eur">562000000</ifrs-full:FeeAndCommissionIncomeExpense>
    <ifrs-full:TradingIncomeExpense
      contextRef="c-1633"
      decimals="-6"
      id="f-10443"
      unitRef="eur">74000000</ifrs-full:TradingIncomeExpense>
    <ifrs-full:TradingIncomeExpense
      contextRef="c-1634"
      decimals="-6"
      id="f-10444"
      unitRef="eur">62000000</ifrs-full:TradingIncomeExpense>
    <ifrs-full:TradingIncomeExpense
      contextRef="c-1635"
      decimals="-6"
      id="f-10445"
      unitRef="eur">68000000</ifrs-full:TradingIncomeExpense>
    <ifrs-full:OtherOperatingIncomeExpense
      contextRef="c-1633"
      decimals="-6"
      id="f-10446"
      unitRef="eur">-77000000</ifrs-full:OtherOperatingIncomeExpense>
    <ifrs-full:OtherOperatingIncomeExpense
      contextRef="c-1634"
      decimals="-6"
      id="f-10447"
      unitRef="eur">-109000000</ifrs-full:OtherOperatingIncomeExpense>
    <ifrs-full:OtherOperatingIncomeExpense
      contextRef="c-1635"
      decimals="-6"
      id="f-10448"
      unitRef="eur">-94000000</ifrs-full:OtherOperatingIncomeExpense>
    <ifrs-full:GrossProfit
      contextRef="c-1633"
      decimals="-6"
      id="f-10449"
      unitRef="eur">3720000000</ifrs-full:GrossProfit>
    <ifrs-full:GrossProfit
      contextRef="c-1634"
      decimals="-6"
      id="f-10450"
      unitRef="eur">3496000000</ifrs-full:GrossProfit>
    <ifrs-full:GrossProfit
      contextRef="c-1635"
      decimals="-6"
      id="f-10451"
      unitRef="eur">3172000000</ifrs-full:GrossProfit>
    <san:AdministrativeExpensesDepreciationAndAmortisationCost
      contextRef="c-1633"
      decimals="-6"
      id="f-10452"
      unitRef="eur">1014000000</san:AdministrativeExpensesDepreciationAndAmortisationCost>
    <san:AdministrativeExpensesDepreciationAndAmortisationCost
      contextRef="c-1634"
      decimals="-6"
      id="f-10453"
      unitRef="eur">885000000</san:AdministrativeExpensesDepreciationAndAmortisationCost>
    <san:AdministrativeExpensesDepreciationAndAmortisationCost
      contextRef="c-1635"
      decimals="-6"
      id="f-10454"
      unitRef="eur">793000000</san:AdministrativeExpensesDepreciationAndAmortisationCost>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
      contextRef="c-1633"
      decimals="-6"
      id="f-10455"
      unitRef="eur">285000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
      contextRef="c-1634"
      decimals="-6"
      id="f-10456"
      unitRef="eur">508000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
      contextRef="c-1635"
      decimals="-6"
      id="f-10457"
      unitRef="eur">658000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <san:OtherResultsAndProvisions
      contextRef="c-1633"
      decimals="-6"
      id="f-10458"
      unitRef="eur">471000000</san:OtherResultsAndProvisions>
    <san:OtherResultsAndProvisions
      contextRef="c-1634"
      decimals="-6"
      id="f-10459"
      unitRef="eur">423000000</san:OtherResultsAndProvisions>
    <san:OtherResultsAndProvisions
      contextRef="c-1635"
      decimals="-6"
      id="f-10460"
      unitRef="eur">267000000</san:OtherResultsAndProvisions>
    <ifrs-full:ProfitLossBeforeTax
      contextRef="c-1633"
      decimals="-6"
      id="f-10461"
      unitRef="eur">1950000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax
      contextRef="c-1634"
      decimals="-6"
      id="f-10462"
      unitRef="eur">1680000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax
      contextRef="c-1635"
      decimals="-6"
      id="f-10463"
      unitRef="eur">1454000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:IncomeTaxExpenseContinuingOperations
      contextRef="c-1633"
      decimals="-6"
      id="f-10464"
      unitRef="eur">408000000</ifrs-full:IncomeTaxExpenseContinuingOperations>
    <ifrs-full:IncomeTaxExpenseContinuingOperations
      contextRef="c-1634"
      decimals="-6"
      id="f-10465"
      unitRef="eur">439000000</ifrs-full:IncomeTaxExpenseContinuingOperations>
    <ifrs-full:IncomeTaxExpenseContinuingOperations
      contextRef="c-1635"
      decimals="-6"
      id="f-10466"
      unitRef="eur">396000000</ifrs-full:IncomeTaxExpenseContinuingOperations>
    <ifrs-full:ProfitLoss
      contextRef="c-1633"
      decimals="-6"
      id="f-10467"
      unitRef="eur">1542000000</ifrs-full:ProfitLoss>
    <ifrs-full:ProfitLoss
      contextRef="c-1634"
      decimals="-6"
      id="f-10468"
      unitRef="eur">1241000000</ifrs-full:ProfitLoss>
    <ifrs-full:ProfitLoss
      contextRef="c-1635"
      decimals="-6"
      id="f-10469"
      unitRef="eur">1058000000</ifrs-full:ProfitLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
      contextRef="c-4621"
      decimals="-6"
      id="f-10470"
      unitRef="eur">144000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
      contextRef="c-4622"
      decimals="-6"
      id="f-10471"
      unitRef="eur">334000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
      contextRef="c-4623"
      decimals="-6"
      id="f-10472"
      unitRef="eur">457000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
    <ifrs-full:DisclosureOfInterestIncomeExplanatory contextRef="c-1" id="f-10473">Interest income&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Interest and similar income in the consolidated income statement comprises the interest accruing in the year on all financial assets with an implicit or explicit return, calculated by applying the effective interest method, irrespective of measurement at fair value; and the rectifications of income as a result of hedge accounting. Interest is recognised gross, without deducting any tax withheld at source.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of the main interest and similar income items earned in 2025, 2024 and 2023 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.104%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.831%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.831%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.834%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances,&#160;customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;70,830&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;74,900&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;67,879&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,890&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,955&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances,&#160;central banks and credit institutions&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,599&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,195&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other interest&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,391&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,486&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,679&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;101,710&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;109,012&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;101,742&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Mainly include the rectification of income originating from accounting hedges as well as interest on balances in central banks and on demand credit institutions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Most of the interest and similar income was generated by the Group&#x2019;s financial assets that are measured either at amortised cost or at fair value through other comprehensive income.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfInterestIncomeExplanatory>
    <san:DisclosureOfInterestIncomeTableTextBlock contextRef="c-1" id="f-10474">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of the main interest and similar income items earned in 2025, 2024 and 2023 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.104%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.831%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.831%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.834%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances,&#160;customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;70,830&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;74,900&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;67,879&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,890&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,955&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances,&#160;central banks and credit institutions&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,599&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,195&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other interest&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,391&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,486&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,679&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;101,710&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;109,012&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;101,742&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Mainly include the rectification of income originating from accounting hedges as well as interest on balances in central banks and on demand credit institutions.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfInterestIncomeTableTextBlock>
    <ifrs-full:InterestIncomeOnLoansAndAdvancesToCustomers contextRef="c-1" decimals="-6" id="f-10475" unitRef="eur">70830000000</ifrs-full:InterestIncomeOnLoansAndAdvancesToCustomers>
    <ifrs-full:InterestIncomeOnLoansAndAdvancesToCustomers contextRef="c-86" decimals="-6" id="f-10476" unitRef="eur">74900000000</ifrs-full:InterestIncomeOnLoansAndAdvancesToCustomers>
    <ifrs-full:InterestIncomeOnLoansAndAdvancesToCustomers contextRef="c-87" decimals="-6" id="f-10477" unitRef="eur">67879000000</ifrs-full:InterestIncomeOnLoansAndAdvancesToCustomers>
    <ifrs-full:InterestIncomeOnDebtInstrumentsHeld contextRef="c-1" decimals="-6" id="f-10478" unitRef="eur">15890000000</ifrs-full:InterestIncomeOnDebtInstrumentsHeld>
    <ifrs-full:InterestIncomeOnDebtInstrumentsHeld contextRef="c-86" decimals="-6" id="f-10479" unitRef="eur">15431000000</ifrs-full:InterestIncomeOnDebtInstrumentsHeld>
    <ifrs-full:InterestIncomeOnDebtInstrumentsHeld contextRef="c-87" decimals="-6" id="f-10480" unitRef="eur">13955000000</ifrs-full:InterestIncomeOnDebtInstrumentsHeld>
    <san:InterestIncomeOnLoansAndAdvancesToBanksAndCreditInstitutions contextRef="c-1" decimals="-6" id="f-10481" unitRef="eur">7599000000</san:InterestIncomeOnLoansAndAdvancesToBanksAndCreditInstitutions>
    <san:InterestIncomeOnLoansAndAdvancesToBanksAndCreditInstitutions contextRef="c-86" decimals="-6" id="f-10482" unitRef="eur">8195000000</san:InterestIncomeOnLoansAndAdvancesToBanksAndCreditInstitutions>
    <san:InterestIncomeOnLoansAndAdvancesToBanksAndCreditInstitutions contextRef="c-87" decimals="-6" id="f-10483" unitRef="eur">7229000000</san:InterestIncomeOnLoansAndAdvancesToBanksAndCreditInstitutions>
    <san:InterestIncomeOnFinancialAssetsOtherThanLoansAndAdvancesAndDebtInstruments contextRef="c-1" decimals="-6" id="f-10484" unitRef="eur">7391000000</san:InterestIncomeOnFinancialAssetsOtherThanLoansAndAdvancesAndDebtInstruments>
    <san:InterestIncomeOnFinancialAssetsOtherThanLoansAndAdvancesAndDebtInstruments contextRef="c-86" decimals="-6" id="f-10485" unitRef="eur">10486000000</san:InterestIncomeOnFinancialAssetsOtherThanLoansAndAdvancesAndDebtInstruments>
    <san:InterestIncomeOnFinancialAssetsOtherThanLoansAndAdvancesAndDebtInstruments contextRef="c-87" decimals="-6" id="f-10486" unitRef="eur">12679000000</san:InterestIncomeOnFinancialAssetsOtherThanLoansAndAdvancesAndDebtInstruments>
    <ifrs-full:RevenueFromInterest contextRef="c-1" decimals="-6" id="f-10487" unitRef="eur">101710000000</ifrs-full:RevenueFromInterest>
    <ifrs-full:RevenueFromInterest contextRef="c-86" decimals="-6" id="f-10488" unitRef="eur">109012000000</ifrs-full:RevenueFromInterest>
    <ifrs-full:RevenueFromInterest contextRef="c-87" decimals="-6" id="f-10489" unitRef="eur">101742000000</ifrs-full:RevenueFromInterest>
    <ifrs-full:DisclosureOfInterestExpenseExplanatory contextRef="c-1" id="f-10490">Interest expense&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Interest expense and similar charges in the consolidated income statement includes the interest accruing in the&#160;year on all financial liabilities with an implicit or explicit return, including remuneration in kind, calculated by applying the effective interest method, irrespective of measurement at fair value; the rectifications of cost as a result of hedge accounting; and the interest cost attributable to provisions recorded for pensions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of the main items of interest expense and similar charges accrued in 2025, 2024 and 2023 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:58.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.481%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,735&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,714&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,457&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities issued and subordinated liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,066&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,612&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,671&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,255&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,661&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Subordinated liabilities (note&#160;23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,486&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,010&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks and credit institution deposits&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,360&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Lease Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;127&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions for pensions (note&#160;25)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;91&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;93&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,212&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,291&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;59,362&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;65,225&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;61,092&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Most of the interest expense and similar charges was generated by the Group&#x2019;s financial liabilities that are measured at amortised cost.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfInterestExpenseExplanatory>
    <san:DisclosureOfInterestExpenseTableTextBlock contextRef="c-1" id="f-10491">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of the main items of interest expense and similar charges accrued in 2025, 2024 and 2023 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:58.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.481%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,735&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,714&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,457&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities issued and subordinated liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,066&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,612&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,671&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,255&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,661&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Subordinated liabilities (note&#160;23)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,486&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,010&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks and credit institution deposits&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,360&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Lease Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;127&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provisions for pensions (note&#160;25)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;91&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;93&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,212&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,291&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;59,362&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;65,225&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;61,092&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfInterestExpenseTableTextBlock>
    <ifrs-full:InterestExpenseOnDepositsFromCustomers contextRef="c-1" decimals="-6" id="f-10492" unitRef="eur">31735000000</ifrs-full:InterestExpenseOnDepositsFromCustomers>
    <ifrs-full:InterestExpenseOnDepositsFromCustomers contextRef="c-86" decimals="-6" id="f-10493" unitRef="eur">35714000000</ifrs-full:InterestExpenseOnDepositsFromCustomers>
    <ifrs-full:InterestExpenseOnDepositsFromCustomers contextRef="c-87" decimals="-6" id="f-10494" unitRef="eur">32457000000</ifrs-full:InterestExpenseOnDepositsFromCustomers>
    <ifrs-full:InterestExpenseOnDebtInstrumentsIssued contextRef="c-1" decimals="-6" id="f-10495" unitRef="eur">15066000000</ifrs-full:InterestExpenseOnDebtInstrumentsIssued>
    <ifrs-full:InterestExpenseOnDebtInstrumentsIssued contextRef="c-86" decimals="-6" id="f-10496" unitRef="eur">14612000000</ifrs-full:InterestExpenseOnDebtInstrumentsIssued>
    <ifrs-full:InterestExpenseOnDebtInstrumentsIssued contextRef="c-87" decimals="-6" id="f-10497" unitRef="eur">12671000000</ifrs-full:InterestExpenseOnDebtInstrumentsIssued>
    <san:InterestExpenseOnDebtInstrumentsIssuedMarketableDebtSecurities contextRef="c-1" decimals="-6" id="f-10498" unitRef="eur">13580000000</san:InterestExpenseOnDebtInstrumentsIssuedMarketableDebtSecurities>
    <san:InterestExpenseOnDebtInstrumentsIssuedMarketableDebtSecurities contextRef="c-86" decimals="-6" id="f-10499" unitRef="eur">13255000000</san:InterestExpenseOnDebtInstrumentsIssuedMarketableDebtSecurities>
    <san:InterestExpenseOnDebtInstrumentsIssuedMarketableDebtSecurities contextRef="c-87" decimals="-6" id="f-10500" unitRef="eur">11661000000</san:InterestExpenseOnDebtInstrumentsIssuedMarketableDebtSecurities>
    <san:InterestExpenseOnDebtInstrumentsIssuedSubordinatedLiabilities contextRef="c-1" decimals="-6" id="f-10501" unitRef="eur">1486000000</san:InterestExpenseOnDebtInstrumentsIssuedSubordinatedLiabilities>
    <san:InterestExpenseOnDebtInstrumentsIssuedSubordinatedLiabilities contextRef="c-86" decimals="-6" id="f-10502" unitRef="eur">1357000000</san:InterestExpenseOnDebtInstrumentsIssuedSubordinatedLiabilities>
    <san:InterestExpenseOnDebtInstrumentsIssuedSubordinatedLiabilities contextRef="c-87" decimals="-6" id="f-10503" unitRef="eur">1010000000</san:InterestExpenseOnDebtInstrumentsIssuedSubordinatedLiabilities>
    <san:InterestExpenseOnLiabilitiesDueToCentralBanksAndCreditInstitutionsDeposits contextRef="c-1" decimals="-6" id="f-10504" unitRef="eur">8151000000</san:InterestExpenseOnLiabilitiesDueToCentralBanksAndCreditInstitutionsDeposits>
    <san:InterestExpenseOnLiabilitiesDueToCentralBanksAndCreditInstitutionsDeposits contextRef="c-86" decimals="-6" id="f-10505" unitRef="eur">9381000000</san:InterestExpenseOnLiabilitiesDueToCentralBanksAndCreditInstitutionsDeposits>
    <san:InterestExpenseOnLiabilitiesDueToCentralBanksAndCreditInstitutionsDeposits contextRef="c-87" decimals="-6" id="f-10506" unitRef="eur">9360000000</san:InterestExpenseOnLiabilitiesDueToCentralBanksAndCreditInstitutionsDeposits>
    <ifrs-full:InterestExpenseOnLeaseLiabilities contextRef="c-1" decimals="-6" id="f-10507" unitRef="eur">107000000</ifrs-full:InterestExpenseOnLeaseLiabilities>
    <ifrs-full:InterestExpenseOnLeaseLiabilities contextRef="c-86" decimals="-6" id="f-10508" unitRef="eur">122000000</ifrs-full:InterestExpenseOnLeaseLiabilities>
    <ifrs-full:InterestExpenseOnLeaseLiabilities contextRef="c-87" decimals="-6" id="f-10509" unitRef="eur">127000000</ifrs-full:InterestExpenseOnLeaseLiabilities>
    <san:PensionInterestExpenseChargedToProvision contextRef="c-1" decimals="-6" id="f-10510" unitRef="eur">91000000</san:PensionInterestExpenseChargedToProvision>
    <san:PensionInterestExpenseChargedToProvision contextRef="c-86" decimals="-6" id="f-10511" unitRef="eur">105000000</san:PensionInterestExpenseChargedToProvision>
    <san:PensionInterestExpenseChargedToProvision contextRef="c-87" decimals="-6" id="f-10512" unitRef="eur">93000000</san:PensionInterestExpenseChargedToProvision>
    <ifrs-full:InterestExpenseOnOtherFinancialLiabilities contextRef="c-1" decimals="-6" id="f-10513" unitRef="eur">4212000000</ifrs-full:InterestExpenseOnOtherFinancialLiabilities>
    <ifrs-full:InterestExpenseOnOtherFinancialLiabilities contextRef="c-86" decimals="-6" id="f-10514" unitRef="eur">5291000000</ifrs-full:InterestExpenseOnOtherFinancialLiabilities>
    <ifrs-full:InterestExpenseOnOtherFinancialLiabilities contextRef="c-87" decimals="-6" id="f-10515" unitRef="eur">6384000000</ifrs-full:InterestExpenseOnOtherFinancialLiabilities>
    <ifrs-full:InterestExpense contextRef="c-1" decimals="-6" id="f-10516" unitRef="eur">59362000000</ifrs-full:InterestExpense>
    <ifrs-full:InterestExpense contextRef="c-86" decimals="-6" id="f-10517" unitRef="eur">65225000000</ifrs-full:InterestExpense>
    <ifrs-full:InterestExpense contextRef="c-87" decimals="-6" id="f-10518" unitRef="eur">61092000000</ifrs-full:InterestExpense>
    <ifrs-full:DisclosureOfDividendsExplanatory contextRef="c-1" id="f-10519">Dividend income&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Dividend income includes the dividends and payments on equity instruments out of profits generated by investees after the acquisition of the equity interest.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of income from dividends as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.025%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Dividend income classified as:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;414&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;715&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;710&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;568&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfDividendsExplanatory>
    <san:DisclosureOfDividendsTableTextBlock contextRef="c-1" id="f-10520">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of income from dividends as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.023%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.025%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Dividend income classified as:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;414&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;715&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;710&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;568&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfDividendsTableTextBlock>
    <ifrs-full:RevenueFromDividends
      contextRef="c-4624"
      decimals="-6"
      id="f-10521"
      unitRef="eur">556000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends
      contextRef="c-4625"
      decimals="-6"
      id="f-10522"
      unitRef="eur">521000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends
      contextRef="c-4626"
      decimals="-6"
      id="f-10523"
      unitRef="eur">414000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends
      contextRef="c-4627"
      decimals="-6"
      id="f-10524"
      unitRef="eur">57000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends
      contextRef="c-4628"
      decimals="-6"
      id="f-10525"
      unitRef="eur">71000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends
      contextRef="c-4629"
      decimals="-6"
      id="f-10526"
      unitRef="eur">68000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends contextRef="c-88" decimals="-6" id="f-10527" unitRef="eur">102000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends contextRef="c-89" decimals="-6" id="f-10528" unitRef="eur">118000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends contextRef="c-90" decimals="-6" id="f-10529" unitRef="eur">86000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends contextRef="c-1" decimals="-6" id="f-10530" unitRef="eur">715000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends contextRef="c-86" decimals="-6" id="f-10531" unitRef="eur">710000000</ifrs-full:RevenueFromDividends>
    <ifrs-full:RevenueFromDividends contextRef="c-87" decimals="-6" id="f-10532" unitRef="eur">568000000</ifrs-full:RevenueFromDividends>
    <san:DisclosureOfFeeAndCommissionIncomeTextBlock contextRef="c-1" id="f-10533">Commission income&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Commission income comprises the amount of all fees and commissions accruing in favour of the Group in the year, except those that form an integral part of the effective interest rate on financial instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of fee and commission income is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Coming from collection and payment services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Bills&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;232&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Demand accounts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,411&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,372&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,039&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,067&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,146&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Orders&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;607&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;656&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cheques and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;140&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,354&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,493&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,534&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Coming from non-banking financial products&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Investment funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,037&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pension funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;194&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;178&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,782&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,865&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,669&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,448&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,448&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,884&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Coming from Securities services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Securities underwriting and placement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;602&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;586&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Securities trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;654&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;331&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Administration and custody&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;402&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;370&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Asset management&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;341&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,043&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,662&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,528&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Foreign exchange&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;705&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;678&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commitments and financial guarantees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;718&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;621&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commitment fees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;504&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;491&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;497&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Structure Finance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;902&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;551&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Corporate Finance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;243&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;213&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;259&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;318&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;259&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loan Servicing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other fees and commissions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;950&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;952&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;911&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,542&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,231&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,698&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,387&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,834&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,644&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfFeeAndCommissionIncomeTextBlock>
    <san:DisclosureOfFeeAndCommissionIncomeTableTextBlock contextRef="c-1" id="f-10534">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of fee and commission income is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Coming from collection and payment services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Bills&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;232&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Demand accounts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,411&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,372&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,039&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,067&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,146&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Orders&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;607&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;656&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cheques and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;140&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,354&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,493&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,534&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Coming from non-banking financial products&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Investment funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,037&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pension funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;194&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;178&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,782&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,865&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,669&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,448&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,448&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,884&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Coming from Securities services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Securities underwriting and placement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;602&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;586&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Securities trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;654&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;331&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Administration and custody&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;402&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;370&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Asset management&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;341&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,043&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,662&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,528&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Foreign exchange&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;705&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;678&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commitments and financial guarantees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;718&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;621&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commitment fees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;504&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;491&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;497&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Structure Finance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;902&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;551&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Corporate Finance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;243&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;213&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;259&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;318&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;259&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loan Servicing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other fees and commissions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;950&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;952&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;911&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,542&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,231&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,698&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,387&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,834&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,644&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfFeeAndCommissionIncomeTableTextBlock>
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    <san:CreditRelatedFeeAndCommissionIncomeBills contextRef="c-86" decimals="-6" id="f-10536" unitRef="eur">220000000</san:CreditRelatedFeeAndCommissionIncomeBills>
    <san:CreditRelatedFeeAndCommissionIncomeBills contextRef="c-87" decimals="-6" id="f-10537" unitRef="eur">232000000</san:CreditRelatedFeeAndCommissionIncomeBills>
    <san:CreditRelatedFeeAndCommissionIncomeDemandAccounts contextRef="c-1" decimals="-6" id="f-10538" unitRef="eur">1359000000</san:CreditRelatedFeeAndCommissionIncomeDemandAccounts>
    <san:CreditRelatedFeeAndCommissionIncomeDemandAccounts contextRef="c-86" decimals="-6" id="f-10539" unitRef="eur">1411000000</san:CreditRelatedFeeAndCommissionIncomeDemandAccounts>
    <san:CreditRelatedFeeAndCommissionIncomeDemandAccounts contextRef="c-87" decimals="-6" id="f-10540" unitRef="eur">1372000000</san:CreditRelatedFeeAndCommissionIncomeDemandAccounts>
    <san:CreditRelatedFeeAndCommissionIncomeCards contextRef="c-1" decimals="-6" id="f-10541" unitRef="eur">4039000000</san:CreditRelatedFeeAndCommissionIncomeCards>
    <san:CreditRelatedFeeAndCommissionIncomeCards contextRef="c-86" decimals="-6" id="f-10542" unitRef="eur">4067000000</san:CreditRelatedFeeAndCommissionIncomeCards>
    <san:CreditRelatedFeeAndCommissionIncomeCards contextRef="c-87" decimals="-6" id="f-10543" unitRef="eur">4146000000</san:CreditRelatedFeeAndCommissionIncomeCards>
    <san:CreditRelatedFeeAndCommissionIncomeOrders contextRef="c-1" decimals="-6" id="f-10544" unitRef="eur">607000000</san:CreditRelatedFeeAndCommissionIncomeOrders>
    <san:CreditRelatedFeeAndCommissionIncomeOrders contextRef="c-86" decimals="-6" id="f-10545" unitRef="eur">657000000</san:CreditRelatedFeeAndCommissionIncomeOrders>
    <san:CreditRelatedFeeAndCommissionIncomeOrders contextRef="c-87" decimals="-6" id="f-10546" unitRef="eur">656000000</san:CreditRelatedFeeAndCommissionIncomeOrders>
    <san:CreditRelatedFeeAndCommissionIncomeChequesAndOther contextRef="c-1" decimals="-6" id="f-10547" unitRef="eur">140000000</san:CreditRelatedFeeAndCommissionIncomeChequesAndOther>
    <san:CreditRelatedFeeAndCommissionIncomeChequesAndOther contextRef="c-86" decimals="-6" id="f-10548" unitRef="eur">138000000</san:CreditRelatedFeeAndCommissionIncomeChequesAndOther>
    <san:CreditRelatedFeeAndCommissionIncomeChequesAndOther contextRef="c-87" decimals="-6" id="f-10549" unitRef="eur">128000000</san:CreditRelatedFeeAndCommissionIncomeChequesAndOther>
    <ifrs-full:CreditrelatedFeeAndCommissionIncome contextRef="c-1" decimals="-6" id="f-10550" unitRef="eur">6354000000</ifrs-full:CreditrelatedFeeAndCommissionIncome>
    <ifrs-full:CreditrelatedFeeAndCommissionIncome contextRef="c-86" decimals="-6" id="f-10551" unitRef="eur">6493000000</ifrs-full:CreditrelatedFeeAndCommissionIncome>
    <ifrs-full:CreditrelatedFeeAndCommissionIncome contextRef="c-87" decimals="-6" id="f-10552" unitRef="eur">6534000000</ifrs-full:CreditrelatedFeeAndCommissionIncome>
    <san:PortfolioAndOtherManagementFeeIncomeInvestmentFunds contextRef="c-1" decimals="-6" id="f-10553" unitRef="eur">1428000000</san:PortfolioAndOtherManagementFeeIncomeInvestmentFunds>
    <san:PortfolioAndOtherManagementFeeIncomeInvestmentFunds contextRef="c-86" decimals="-6" id="f-10554" unitRef="eur">1389000000</san:PortfolioAndOtherManagementFeeIncomeInvestmentFunds>
    <san:PortfolioAndOtherManagementFeeIncomeInvestmentFunds contextRef="c-87" decimals="-6" id="f-10555" unitRef="eur">1037000000</san:PortfolioAndOtherManagementFeeIncomeInvestmentFunds>
    <san:PortfolioAndOtherManagementFeeIncomePensionFunds contextRef="c-1" decimals="-6" id="f-10556" unitRef="eur">238000000</san:PortfolioAndOtherManagementFeeIncomePensionFunds>
    <san:PortfolioAndOtherManagementFeeIncomePensionFunds contextRef="c-86" decimals="-6" id="f-10557" unitRef="eur">194000000</san:PortfolioAndOtherManagementFeeIncomePensionFunds>
    <san:PortfolioAndOtherManagementFeeIncomePensionFunds contextRef="c-87" decimals="-6" id="f-10558" unitRef="eur">178000000</san:PortfolioAndOtherManagementFeeIncomePensionFunds>
    <san:PortfolioAndOtherManagementFeeIncomeInsurance contextRef="c-1" decimals="-6" id="f-10559" unitRef="eur">2782000000</san:PortfolioAndOtherManagementFeeIncomeInsurance>
    <san:PortfolioAndOtherManagementFeeIncomeInsurance contextRef="c-86" decimals="-6" id="f-10560" unitRef="eur">2865000000</san:PortfolioAndOtherManagementFeeIncomeInsurance>
    <san:PortfolioAndOtherManagementFeeIncomeInsurance contextRef="c-87" decimals="-6" id="f-10561" unitRef="eur">2669000000</san:PortfolioAndOtherManagementFeeIncomeInsurance>
    <ifrs-full:PortfolioAndOtherManagementFeeIncome contextRef="c-1" decimals="-6" id="f-10562" unitRef="eur">4448000000</ifrs-full:PortfolioAndOtherManagementFeeIncome>
    <ifrs-full:PortfolioAndOtherManagementFeeIncome contextRef="c-86" decimals="-6" id="f-10563" unitRef="eur">4448000000</ifrs-full:PortfolioAndOtherManagementFeeIncome>
    <ifrs-full:PortfolioAndOtherManagementFeeIncome contextRef="c-87" decimals="-6" id="f-10564" unitRef="eur">3884000000</ifrs-full:PortfolioAndOtherManagementFeeIncome>
    <san:BrokerageFeeIncomeSecuritiesUnderwritingAndPlacement contextRef="c-1" decimals="-6" id="f-10565" unitRef="eur">602000000</san:BrokerageFeeIncomeSecuritiesUnderwritingAndPlacement>
    <san:BrokerageFeeIncomeSecuritiesUnderwritingAndPlacement contextRef="c-86" decimals="-6" id="f-10566" unitRef="eur">586000000</san:BrokerageFeeIncomeSecuritiesUnderwritingAndPlacement>
    <san:BrokerageFeeIncomeSecuritiesUnderwritingAndPlacement contextRef="c-87" decimals="-6" id="f-10567" unitRef="eur">502000000</san:BrokerageFeeIncomeSecuritiesUnderwritingAndPlacement>
    <san:BrokerageFeeIncomeSecuritiesTrading contextRef="c-1" decimals="-6" id="f-10568" unitRef="eur">654000000</san:BrokerageFeeIncomeSecuritiesTrading>
    <san:BrokerageFeeIncomeSecuritiesTrading contextRef="c-86" decimals="-6" id="f-10569" unitRef="eur">452000000</san:BrokerageFeeIncomeSecuritiesTrading>
    <san:BrokerageFeeIncomeSecuritiesTrading contextRef="c-87" decimals="-6" id="f-10570" unitRef="eur">331000000</san:BrokerageFeeIncomeSecuritiesTrading>
    <san:BrokerageFeeIncomeAdministrationAndCustody contextRef="c-1" decimals="-6" id="f-10571" unitRef="eur">402000000</san:BrokerageFeeIncomeAdministrationAndCustody>
    <san:BrokerageFeeIncomeAdministrationAndCustody contextRef="c-86" decimals="-6" id="f-10572" unitRef="eur">370000000</san:BrokerageFeeIncomeAdministrationAndCustody>
    <san:BrokerageFeeIncomeAdministrationAndCustody contextRef="c-87" decimals="-6" id="f-10573" unitRef="eur">354000000</san:BrokerageFeeIncomeAdministrationAndCustody>
    <san:BrokerageFeeIncomeAssetManagement contextRef="c-1" decimals="-6" id="f-10574" unitRef="eur">385000000</san:BrokerageFeeIncomeAssetManagement>
    <san:BrokerageFeeIncomeAssetManagement contextRef="c-86" decimals="-6" id="f-10575" unitRef="eur">254000000</san:BrokerageFeeIncomeAssetManagement>
    <san:BrokerageFeeIncomeAssetManagement contextRef="c-87" decimals="-6" id="f-10576" unitRef="eur">341000000</san:BrokerageFeeIncomeAssetManagement>
    <ifrs-full:BrokerageFeeIncome contextRef="c-1" decimals="-6" id="f-10577" unitRef="eur">2043000000</ifrs-full:BrokerageFeeIncome>
    <ifrs-full:BrokerageFeeIncome contextRef="c-86" decimals="-6" id="f-10578" unitRef="eur">1662000000</ifrs-full:BrokerageFeeIncome>
    <ifrs-full:BrokerageFeeIncome contextRef="c-87" decimals="-6" id="f-10579" unitRef="eur">1528000000</ifrs-full:BrokerageFeeIncome>
    <san:OtherFeeAndCommissionIncomeForeignExchange contextRef="c-1" decimals="-6" id="f-10580" unitRef="eur">848000000</san:OtherFeeAndCommissionIncomeForeignExchange>
    <san:OtherFeeAndCommissionIncomeForeignExchange contextRef="c-86" decimals="-6" id="f-10581" unitRef="eur">705000000</san:OtherFeeAndCommissionIncomeForeignExchange>
    <san:OtherFeeAndCommissionIncomeForeignExchange contextRef="c-87" decimals="-6" id="f-10582" unitRef="eur">678000000</san:OtherFeeAndCommissionIncomeForeignExchange>
    <san:OtherFeeAndCommissionIncomeFinancialGuarantees contextRef="c-1" decimals="-6" id="f-10583" unitRef="eur">718000000</san:OtherFeeAndCommissionIncomeFinancialGuarantees>
    <san:OtherFeeAndCommissionIncomeFinancialGuarantees contextRef="c-86" decimals="-6" id="f-10584" unitRef="eur">713000000</san:OtherFeeAndCommissionIncomeFinancialGuarantees>
    <san:OtherFeeAndCommissionIncomeFinancialGuarantees contextRef="c-87" decimals="-6" id="f-10585" unitRef="eur">621000000</san:OtherFeeAndCommissionIncomeFinancialGuarantees>
    <san:OtherFeeAndCommissionIncomeCommitmentFees contextRef="c-1" decimals="-6" id="f-10586" unitRef="eur">504000000</san:OtherFeeAndCommissionIncomeCommitmentFees>
    <san:OtherFeeAndCommissionIncomeCommitmentFees contextRef="c-86" decimals="-6" id="f-10587" unitRef="eur">491000000</san:OtherFeeAndCommissionIncomeCommitmentFees>
    <san:OtherFeeAndCommissionIncomeCommitmentFees contextRef="c-87" decimals="-6" id="f-10588" unitRef="eur">497000000</san:OtherFeeAndCommissionIncomeCommitmentFees>
    <san:OtherFeeAndCommissionIncomeStructureFinance contextRef="c-1" decimals="-6" id="f-10589" unitRef="eur">902000000</san:OtherFeeAndCommissionIncomeStructureFinance>
    <san:OtherFeeAndCommissionIncomeStructureFinance contextRef="c-86" decimals="-6" id="f-10590" unitRef="eur">709000000</san:OtherFeeAndCommissionIncomeStructureFinance>
    <san:OtherFeeAndCommissionIncomeStructureFinance contextRef="c-87" decimals="-6" id="f-10591" unitRef="eur">551000000</san:OtherFeeAndCommissionIncomeStructureFinance>
    <san:OtherFeeAndCommissionIncomeCorporateFinance contextRef="c-1" decimals="-6" id="f-10592" unitRef="eur">243000000</san:OtherFeeAndCommissionIncomeCorporateFinance>
    <san:OtherFeeAndCommissionIncomeCorporateFinance contextRef="c-86" decimals="-6" id="f-10593" unitRef="eur">213000000</san:OtherFeeAndCommissionIncomeCorporateFinance>
    <san:OtherFeeAndCommissionIncomeCorporateFinance contextRef="c-87" decimals="-6" id="f-10594" unitRef="eur">136000000</san:OtherFeeAndCommissionIncomeCorporateFinance>
    <san:OtherFeeAndCommissionIncomeLoansGranted contextRef="c-1" decimals="-6" id="f-10595" unitRef="eur">259000000</san:OtherFeeAndCommissionIncomeLoansGranted>
    <san:OtherFeeAndCommissionIncomeLoansGranted contextRef="c-86" decimals="-6" id="f-10596" unitRef="eur">318000000</san:OtherFeeAndCommissionIncomeLoansGranted>
    <san:OtherFeeAndCommissionIncomeLoansGranted contextRef="c-87" decimals="-6" id="f-10597" unitRef="eur">259000000</san:OtherFeeAndCommissionIncomeLoansGranted>
    <san:OtherFeeAndCommissionIncomeLoanServicingActivies contextRef="c-1" decimals="-6" id="f-10598" unitRef="eur">118000000</san:OtherFeeAndCommissionIncomeLoanServicingActivies>
    <san:OtherFeeAndCommissionIncomeLoanServicingActivies contextRef="c-86" decimals="-6" id="f-10599" unitRef="eur">130000000</san:OtherFeeAndCommissionIncomeLoanServicingActivies>
    <san:OtherFeeAndCommissionIncomeLoanServicingActivies contextRef="c-87" decimals="-6" id="f-10600" unitRef="eur">45000000</san:OtherFeeAndCommissionIncomeLoanServicingActivies>
    <san:OtherFeeAndCommissionIncomeOtherFeesAndCommissions contextRef="c-1" decimals="-6" id="f-10601" unitRef="eur">950000000</san:OtherFeeAndCommissionIncomeOtherFeesAndCommissions>
    <san:OtherFeeAndCommissionIncomeOtherFeesAndCommissions contextRef="c-86" decimals="-6" id="f-10602" unitRef="eur">952000000</san:OtherFeeAndCommissionIncomeOtherFeesAndCommissions>
    <san:OtherFeeAndCommissionIncomeOtherFeesAndCommissions contextRef="c-87" decimals="-6" id="f-10603" unitRef="eur">911000000</san:OtherFeeAndCommissionIncomeOtherFeesAndCommissions>
    <ifrs-full:OtherFeeAndCommissionIncome contextRef="c-1" decimals="-6" id="f-10604" unitRef="eur">4542000000</ifrs-full:OtherFeeAndCommissionIncome>
    <ifrs-full:OtherFeeAndCommissionIncome contextRef="c-86" decimals="-6" id="f-10605" unitRef="eur">4231000000</ifrs-full:OtherFeeAndCommissionIncome>
    <ifrs-full:OtherFeeAndCommissionIncome contextRef="c-87" decimals="-6" id="f-10606" unitRef="eur">3698000000</ifrs-full:OtherFeeAndCommissionIncome>
    <ifrs-full:FeeAndCommissionIncome contextRef="c-1" decimals="-6" id="f-10607" unitRef="eur">17387000000</ifrs-full:FeeAndCommissionIncome>
    <ifrs-full:FeeAndCommissionIncome contextRef="c-86" decimals="-6" id="f-10608" unitRef="eur">16834000000</ifrs-full:FeeAndCommissionIncome>
    <ifrs-full:FeeAndCommissionIncome contextRef="c-87" decimals="-6" id="f-10609" unitRef="eur">15644000000</ifrs-full:FeeAndCommissionIncome>
    <san:DisclosureOfFeeAndCommissionExpensesTextBlock contextRef="c-1" id="f-10610">Commission expense&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Commission expense shows the amount of all fees and commissions paid or payable by the Group in the&#160;year, except those that form an integral part of the effective interest rate on financial instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of commission expense is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,744&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,816&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,858&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;By collection and return of effects&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial guarantees and other commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;323&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;282&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brokerages and intermediaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;181&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;204&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Sales of insurance and  funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;456&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;453&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;352&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other fees and commissions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,429&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,411&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,458&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,149&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfFeeAndCommissionExpensesTextBlock>
    <san:DisclosureOfFeeAndCommissionsExpenseTableTextBlock contextRef="c-1" id="f-10611">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of commission expense is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,744&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,816&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,858&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;By collection and return of effects&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial guarantees and other commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;323&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;282&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brokerages and intermediaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;181&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;204&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Sales of insurance and  funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;456&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;453&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;352&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other fees and commissions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,429&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,411&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,458&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,149&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfFeeAndCommissionsExpenseTableTextBlock>
    <san:AssignedThirdPartyCommissionsCardsExpense contextRef="c-1" decimals="-6" id="f-10612" unitRef="eur">1744000000</san:AssignedThirdPartyCommissionsCardsExpense>
    <san:AssignedThirdPartyCommissionsCardsExpense contextRef="c-86" decimals="-6" id="f-10613" unitRef="eur">1816000000</san:AssignedThirdPartyCommissionsCardsExpense>
    <san:AssignedThirdPartyCommissionsCardsExpense contextRef="c-87" decimals="-6" id="f-10614" unitRef="eur">1858000000</san:AssignedThirdPartyCommissionsCardsExpense>
    <san:AssignedThirdPartyCommissionsCollectionExpense contextRef="c-1" decimals="-6" id="f-10615" unitRef="eur">30000000</san:AssignedThirdPartyCommissionsCollectionExpense>
    <san:AssignedThirdPartyCommissionsCollectionExpense contextRef="c-86" decimals="-6" id="f-10616" unitRef="eur">30000000</san:AssignedThirdPartyCommissionsCollectionExpense>
    <san:AssignedThirdPartyCommissionsCollectionExpense contextRef="c-87" decimals="-6" id="f-10617" unitRef="eur">24000000</san:AssignedThirdPartyCommissionsCollectionExpense>
    <san:AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments contextRef="c-1" decimals="-6" id="f-10618" unitRef="eur">359000000</san:AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments>
    <san:AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments contextRef="c-86" decimals="-6" id="f-10619" unitRef="eur">323000000</san:AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments>
    <san:AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments contextRef="c-87" decimals="-6" id="f-10620" unitRef="eur">282000000</san:AssignedThirdPartyCommissionsExpenseFinancialGuaranteesAndOtherCommitments>
    <ifrs-full:BrokerageFeeExpense contextRef="c-1" decimals="-6" id="f-10621" unitRef="eur">130000000</ifrs-full:BrokerageFeeExpense>
    <ifrs-full:BrokerageFeeExpense contextRef="c-86" decimals="-6" id="f-10622" unitRef="eur">181000000</ifrs-full:BrokerageFeeExpense>
    <ifrs-full:BrokerageFeeExpense contextRef="c-87" decimals="-6" id="f-10623" unitRef="eur">204000000</ifrs-full:BrokerageFeeExpense>
    <san:CommissionsOnSalesOfInsuranceAndFunds contextRef="c-1" decimals="-6" id="f-10624" unitRef="eur">456000000</san:CommissionsOnSalesOfInsuranceAndFunds>
    <san:CommissionsOnSalesOfInsuranceAndFunds contextRef="c-86" decimals="-6" id="f-10625" unitRef="eur">453000000</san:CommissionsOnSalesOfInsuranceAndFunds>
    <san:CommissionsOnSalesOfInsuranceAndFunds contextRef="c-87" decimals="-6" id="f-10626" unitRef="eur">352000000</san:CommissionsOnSalesOfInsuranceAndFunds>
    <ifrs-full:OtherFeeAndCommissionExpense contextRef="c-1" decimals="-6" id="f-10627" unitRef="eur">1692000000</ifrs-full:OtherFeeAndCommissionExpense>
    <ifrs-full:OtherFeeAndCommissionExpense contextRef="c-86" decimals="-6" id="f-10628" unitRef="eur">1655000000</ifrs-full:OtherFeeAndCommissionExpense>
    <ifrs-full:OtherFeeAndCommissionExpense contextRef="c-87" decimals="-6" id="f-10629" unitRef="eur">1429000000</ifrs-full:OtherFeeAndCommissionExpense>
    <ifrs-full:FeeAndCommissionExpense contextRef="c-1" decimals="-6" id="f-10630" unitRef="eur">4411000000</ifrs-full:FeeAndCommissionExpense>
    <ifrs-full:FeeAndCommissionExpense contextRef="c-86" decimals="-6" id="f-10631" unitRef="eur">4458000000</ifrs-full:FeeAndCommissionExpense>
    <ifrs-full:FeeAndCommissionExpense contextRef="c-87" decimals="-6" id="f-10632" unitRef="eur">4149000000</ifrs-full:FeeAndCommissionExpense>
    <ifrs-full:DisclosureOfFinancialInstrumentsExplanatory contextRef="c-1" id="f-10633">Gains or losses on financial assets and liabilities&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following information is presented below regarding the gains or losses recorded for financial assets or liabilities:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i83bfac63a19742548b151d90683cb331"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Breakdown&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by origin, of Gains/losses on financial assets and liabilities:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains or losses on financial assets and liabilities not measured at fair value through profit or loss, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;127&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(117)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;96&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(190)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;Other financial assets and liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;73&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;133&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains or losses on financial assets and liabilities held for trading, net&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,017&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,344&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,316&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains or losses on non-trading financial assets and liabilities mandatory at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,106&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains or losses on financial assets and liabilities measured at fair value through profit or loss, net&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(307)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;691&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(92)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains or losses from hedge accounting, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,955&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,427&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,587&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Includes the net result obtained by transactions with debt securities, equity instruments, derivatives and short positions included in this portfolio when the Group jointly manages its risk in these instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As explained in note 44, the above breakdown should be analysed in conjunction with the 'Exchange differences, net':&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(216)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i8fbc9dd376b94fc4a7f56b206a169c54"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Financial assets and liabilities at fair value through profit or loss&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of the amount of the asset balances is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:54.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.717%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and receivables:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80,218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;72,931&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51,072&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,632&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,966&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,717&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,722&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,520&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39,206&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,243&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,835&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;101,707&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;85,990&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;66,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,845&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,277&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,355&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64,100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;268,125&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;244,298&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;192,604&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander mitigates and reduces this exposure as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;With respect to derivatives, the Group has entered into framework agreements with a large number of credit institutions and customers for the netting-off of asset positions and the provision of collateral for non-payment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025 the exposure to credit risk of the derivatives presented in the balance sheet is not significant because they are subject to netting and collateral agreements (see note 51.d).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Loans and advances to credit institutions and Loans and advances includes reverse repos amounting to EUR 71,129 million at 31 December 2025.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Also, mortgage-backed assets totalled EUR 1,597 million.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Debt instruments include EUR 80,908 million of Spanish and foreign government securities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025 the amount of the change in the&#160;year in the fair value of financial assets at fair value through profit or loss attributable to variations in their credit risk (spread) was not material.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of the amount of the liability balances is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.643%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;106,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;87,374&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80,503&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,471&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,074&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,017&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,482&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,909&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,597&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,050&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,391&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51,889&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,686&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,371&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Short positions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,015&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,830&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51,968&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,753&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50,589&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;213,694&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;188,511&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;162,637&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, the amount of the change in the fair value of financial liabilities at fair value through profit or loss attributable to changes in their credit risk during the&#160;year is not material.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In relation to liabilities designated at fair value through profit or loss where it has been determined at initial recognition that the credit risk is recorded in accumulated 'Other comprehensive income' (see 'Statement of recognised income and expense')&#160;the amount that the Group would be contractually obliged to pay on maturity of these liabilities at 31 December 2025 is EUR 1,281 million higher than their carrying amount (EUR 1,851 million higher at 31 December 2024 and EUR 866 million higher at 31 December 2023, no significant impact on results as its fair value is covered by hedging operations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Within Deposits, there are repurchase agreements amounting to EUR 75,562 million at 31 December 2025.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfFinancialInstrumentsExplanatory>
    <san:DisclosureOfGainsLossesOnFinancialAssetsAndLiabilitiesTableTextBlock contextRef="c-1" id="f-10634">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by origin, of Gains/losses on financial assets and liabilities:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains or losses on financial assets and liabilities not measured at fair value through profit or loss, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;127&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(117)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;96&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(89)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(190)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;Other financial assets and liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;73&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;133&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains or losses on financial assets and liabilities held for trading, net&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,017&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,344&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,316&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains or losses on non-trading financial assets and liabilities mandatory at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,106&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains or losses on financial assets and liabilities measured at fair value through profit or loss, net&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(307)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;691&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(92)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains or losses from hedge accounting, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,955&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,427&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,587&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Includes the net result obtained by transactions with debt securities, equity instruments, derivatives and short positions included in this portfolio when the Group jointly manages its risk in these instruments.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfGainsLossesOnFinancialAssetsAndLiabilitiesTableTextBlock>
    <san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet contextRef="c-1" decimals="-6" id="f-10635" unitRef="eur">127000000</san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet>
    <san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet contextRef="c-86" decimals="-6" id="f-10636" unitRef="eur">-117000000</san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet>
    <san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet contextRef="c-87" decimals="-6" id="f-10637" unitRef="eur">96000000</san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossNet>
    <ifrs-full:GainsLossesOnFinancialAssetsAtAmortisedCost contextRef="c-1" decimals="-6" id="f-10638" unitRef="eur">-89000000</ifrs-full:GainsLossesOnFinancialAssetsAtAmortisedCost>
    <ifrs-full:GainsLossesOnFinancialAssetsAtAmortisedCost contextRef="c-86" decimals="-6" id="f-10639" unitRef="eur">-190000000</ifrs-full:GainsLossesOnFinancialAssetsAtAmortisedCost>
    <ifrs-full:GainsLossesOnFinancialAssetsAtAmortisedCost contextRef="c-87" decimals="-6" id="f-10640" unitRef="eur">-3000000</ifrs-full:GainsLossesOnFinancialAssetsAtAmortisedCost>
    <san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet contextRef="c-1" decimals="-6" id="f-10641" unitRef="eur">216000000</san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet>
    <san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet contextRef="c-86" decimals="-6" id="f-10642" unitRef="eur">73000000</san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet>
    <san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet contextRef="c-87" decimals="-6" id="f-10643" unitRef="eur">99000000</san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet>
    <san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet
      contextRef="c-4630"
      decimals="-6"
      id="f-10644"
      unitRef="eur">133000000</san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet>
    <san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet
      contextRef="c-4631"
      decimals="-6"
      id="f-10645"
      unitRef="eur">50000000</san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet>
    <san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet
      contextRef="c-4632"
      decimals="-6"
      id="f-10646"
      unitRef="eur">51000000</san:GainsLossesOnFinancialAssetsAndLiabilitiesNotMeasuredAtFairValueThroughProfitOrLossOtherThanThoseMeasuredAtAmortisedCostNet>
    <san:GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading contextRef="c-1" decimals="-6" id="f-10647" unitRef="eur">1017000000</san:GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading>
    <san:GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading contextRef="c-86" decimals="-6" id="f-10648" unitRef="eur">1344000000</san:GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading>
    <san:GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading contextRef="c-87" decimals="-6" id="f-10649" unitRef="eur">2316000000</san:GainsLossesOnFinancialAssetsAndLiabilitiesHeldForTrading>
    <ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-1" decimals="-6" id="f-10650" unitRef="eur">1106000000</ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-86" decimals="-6" id="f-10651" unitRef="eur">495000000</ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue contextRef="c-87" decimals="-6" id="f-10652" unitRef="eur">198000000</ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <san:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss contextRef="c-1" decimals="-6" id="f-10653" unitRef="eur">-307000000</san:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss>
    <san:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss contextRef="c-86" decimals="-6" id="f-10654" unitRef="eur">691000000</san:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss>
    <san:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss contextRef="c-87" decimals="-6" id="f-10655" unitRef="eur">-92000000</san:GainsLossesOnFinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLoss>
    <san:GainsOrLossesFromHedgeAccountingNet contextRef="c-1" decimals="-6" id="f-10656" unitRef="eur">12000000</san:GainsOrLossesFromHedgeAccountingNet>
    <san:GainsOrLossesFromHedgeAccountingNet contextRef="c-86" decimals="-6" id="f-10657" unitRef="eur">14000000</san:GainsOrLossesFromHedgeAccountingNet>
    <san:GainsOrLossesFromHedgeAccountingNet contextRef="c-87" decimals="-6" id="f-10658" unitRef="eur">69000000</san:GainsOrLossesFromHedgeAccountingNet>
    <san:GainsLossesOnFinancialAssetsAndLiabilitiesNet contextRef="c-1" decimals="-6" id="f-10659" unitRef="eur">1955000000</san:GainsLossesOnFinancialAssetsAndLiabilitiesNet>
    <san:GainsLossesOnFinancialAssetsAndLiabilitiesNet contextRef="c-86" decimals="-6" id="f-10660" unitRef="eur">2427000000</san:GainsLossesOnFinancialAssetsAndLiabilitiesNet>
    <san:GainsLossesOnFinancialAssetsAndLiabilitiesNet contextRef="c-87" decimals="-6" id="f-10661" unitRef="eur">2587000000</san:GainsLossesOnFinancialAssetsAndLiabilitiesNet>
    <san:DisclosureOfExchangeDifferencesNetTableTextBlock contextRef="c-1" id="f-10662">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As explained in note 44, the above breakdown should be analysed in conjunction with the 'Exchange differences, net':&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(216)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfExchangeDifferencesNetTableTextBlock>
    <ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss contextRef="c-1" decimals="-6" id="f-10663" unitRef="eur">407000000</ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss>
    <ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss contextRef="c-86" decimals="-6" id="f-10664" unitRef="eur">-216000000</ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss>
    <ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss contextRef="c-87" decimals="-6" id="f-10665" unitRef="eur">-22000000</ifrs-full:GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss>
    <san:DisclosureOfFinancialAssetsAtFairValueThroughProfitOrLossTableTextBlock contextRef="c-1" id="f-10666">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of the amount of the asset balances is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:54.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.717%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and receivables:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80,218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;72,931&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51,072&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,632&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,966&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,717&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,722&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,520&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39,206&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,243&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,835&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;101,707&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;85,990&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;66,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,845&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,277&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,355&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64,100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;268,125&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;244,298&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;192,604&lt;/span&gt;&lt;span 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      id="f-10693"
      unitRef="eur">80908000000</san:FinancialAssetsAtFairValueThroughProfitOrLossAndNonTradingFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue>
    <san:DisclosureOfFinancialLiabilitiesAtFairValueThroughProfitOrLossTableTextBlock contextRef="c-1" id="f-10694">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of the amount of the liability balances is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.643%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;106,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;87,374&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80,503&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,471&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,074&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,017&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,482&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,909&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,597&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,050&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,391&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51,889&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,686&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,371&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Short positions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,015&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,830&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51,968&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,753&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50,589&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;213,694&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;188,511&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;162,637&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfFinancialLiabilitiesAtFairValueThroughProfitOrLossTableTextBlock>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-38" decimals="-6" id="f-10695" unitRef="eur">106003000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-39" decimals="-6" id="f-10696" unitRef="eur">87374000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-40" decimals="-6" id="f-10697" unitRef="eur">80503000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-41" decimals="-6" id="f-10698" unitRef="eur">15471000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-42" decimals="-6" id="f-10699" unitRef="eur">15074000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-43" decimals="-6" id="f-10700" unitRef="eur">9017000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-44" decimals="-6" id="f-10701" unitRef="eur">28482000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-45" decimals="-6" id="f-10702" unitRef="eur">27909000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-46" decimals="-6" id="f-10703" unitRef="eur">19597000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-47" decimals="-6" id="f-10704" unitRef="eur">62050000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-48" decimals="-6" id="f-10705" unitRef="eur">44391000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-49" decimals="-6" id="f-10706" unitRef="eur">51889000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-50" decimals="-6" id="f-10707" unitRef="eur">11686000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-51" decimals="-6" id="f-10708" unitRef="eur">7554000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-52" decimals="-6" id="f-10709" unitRef="eur">5371000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-35" decimals="-6" id="f-10710" unitRef="eur">44015000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-36" decimals="-6" id="f-10711" unitRef="eur">35830000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-37" decimals="-6" id="f-10712" unitRef="eur">26174000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-32" decimals="-6" id="f-10713" unitRef="eur">51968000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-33" decimals="-6" id="f-10714" unitRef="eur">57753000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-34" decimals="-6" id="f-10715" unitRef="eur">50589000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-53" decimals="-6" id="f-10716" unitRef="eur">22000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-54" decimals="-6" id="f-10717" unitRef="eur">0</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-55" decimals="-6" id="f-10718" unitRef="eur">0</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-2" decimals="-6" id="f-10719" unitRef="eur">213694000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-3" decimals="-6" id="f-10720" unitRef="eur">188511000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading contextRef="c-4" decimals="-6" id="f-10721" unitRef="eur">162637000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTrading>
    <ifrs-full:GainsLossesRecognisedInOtherComprehensiveIncomeOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-1" decimals="-6" id="f-10722" unitRef="eur">1281000000</ifrs-full:GainsLossesRecognisedInOtherComprehensiveIncomeOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:GainsLossesRecognisedInOtherComprehensiveIncomeOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-86" decimals="-6" id="f-10723" unitRef="eur">1851000000</ifrs-full:GainsLossesRecognisedInOtherComprehensiveIncomeOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <ifrs-full:GainsLossesRecognisedInOtherComprehensiveIncomeOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently contextRef="c-87" decimals="-6" id="f-10724" unitRef="eur">-866000000</ifrs-full:GainsLossesRecognisedInOtherComprehensiveIncomeOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently>
    <san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTradingRepurchaseAgreementAmount
      contextRef="c-4635"
      decimals="-6"
      id="f-10725"
      unitRef="eur">75562000000</san:FinancialLiabilitiesAtFairValueThroughProfitOrLossAndFinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetTheDefinitionOfHeldForTradingRepurchaseAgreementAmount>
    <ifrs-full:DisclosureOfEffectOfChangesInForeignExchangeRatesExplanatory contextRef="c-1" id="f-10726">Exchange differences, net&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Exchange differences shows basically the gains or losses on currency dealings, the differences that arise on translations of monetary items in foreign currencies to the functional currency.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander manages the currencies to which it is exposed together with the arrangement of derivative instruments and, accordingly, the changes in this line item should be analysed together with those recognised under 'Gains/losses on financial assets and liabilities' (see note&#160;43).&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfEffectOfChangesInForeignExchangeRatesExplanatory>
    <ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory contextRef="c-1" id="f-10727">Other operating income and expenses&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Other operating income and Other operating expenses in the consolidated income statements include:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:56.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.097%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.097%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.099%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,583&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;846&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,137&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non- financial services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;738&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;654&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;752&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;845&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other operating expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,429)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,595)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(3,066)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-financial services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(650)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(498)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(674)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating expense:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,779)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,097)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,392)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which, credit institutions deposit guarantee fund and single resolution fund&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(478)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(481)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,083)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(846)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,749)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,929)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the 2025 and 2024 financial years, it was decided that there will not be contribution in Spain to the Single Resolution Fund, as well as a decrease in the contribution to the Deposit Guarantee Fund, by the Single Resolution Board (SRB) and the Deposit Guarantee Fund  Management Committee, respectively. &lt;/span&gt;&lt;/div&gt;The amount of the Group recognises in relation to income from sub-leases of rights of use is not material.</ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory>
    <san:DisclosureOfOtherOperatingIncomeExpenseTableTextBlock contextRef="c-1" id="f-10728">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Other operating income and Other operating expenses in the consolidated income statements include:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:56.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.097%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.097%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.099%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,583&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;846&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,137&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non- financial services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;738&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;654&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;752&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;845&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other operating expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,429)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,595)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(3,066)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-financial services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(650)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(498)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(674)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating expense:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,779)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,097)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,392)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which, credit institutions deposit guarantee fund and single resolution fund&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(478)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(481)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1,083)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(846)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,749)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,929)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfOtherOperatingIncomeExpenseTableTextBlock>
    <san:OtherOperatingIncome1 contextRef="c-1" decimals="-6" id="f-10729" unitRef="eur">1583000000</san:OtherOperatingIncome1>
    <san:OtherOperatingIncome1 contextRef="c-86" decimals="-6" id="f-10730" unitRef="eur">846000000</san:OtherOperatingIncome1>
    <san:OtherOperatingIncome1 contextRef="c-87" decimals="-6" id="f-10731" unitRef="eur">1137000000</san:OtherOperatingIncome1>
    <san:NonFinancialServicesOtherIncomeOperating contextRef="c-1" decimals="-6" id="f-10732" unitRef="eur">738000000</san:NonFinancialServicesOtherIncomeOperating>
    <san:NonFinancialServicesOtherIncomeOperating contextRef="c-86" decimals="-6" id="f-10733" unitRef="eur">654000000</san:NonFinancialServicesOtherIncomeOperating>
    <san:NonFinancialServicesOtherIncomeOperating contextRef="c-87" decimals="-6" id="f-10734" unitRef="eur">752000000</san:NonFinancialServicesOtherIncomeOperating>
    <ifrs-full:MiscellaneousOtherOperatingIncome contextRef="c-1" decimals="-6" id="f-10735" unitRef="eur">845000000</ifrs-full:MiscellaneousOtherOperatingIncome>
    <ifrs-full:MiscellaneousOtherOperatingIncome contextRef="c-86" decimals="-6" id="f-10736" unitRef="eur">192000000</ifrs-full:MiscellaneousOtherOperatingIncome>
    <ifrs-full:MiscellaneousOtherOperatingIncome contextRef="c-87" decimals="-6" id="f-10737" unitRef="eur">385000000</ifrs-full:MiscellaneousOtherOperatingIncome>
    <san:OtherOperatingExpense contextRef="c-1" decimals="-6" id="f-10738" unitRef="eur">2429000000</san:OtherOperatingExpense>
    <san:OtherOperatingExpense contextRef="c-86" decimals="-6" id="f-10739" unitRef="eur">2595000000</san:OtherOperatingExpense>
    <san:OtherOperatingExpense contextRef="c-87" decimals="-6" id="f-10740" unitRef="eur">3066000000</san:OtherOperatingExpense>
    <san:NonFinancialServicesOtherExpenseOperating contextRef="c-1" decimals="-6" id="f-10741" unitRef="eur">650000000</san:NonFinancialServicesOtherExpenseOperating>
    <san:NonFinancialServicesOtherExpenseOperating contextRef="c-86" decimals="-6" id="f-10742" unitRef="eur">498000000</san:NonFinancialServicesOtherExpenseOperating>
    <san:NonFinancialServicesOtherExpenseOperating contextRef="c-87" decimals="-6" id="f-10743" unitRef="eur">674000000</san:NonFinancialServicesOtherExpenseOperating>
    <ifrs-full:MiscellaneousOtherOperatingExpense contextRef="c-1" decimals="-6" id="f-10744" unitRef="eur">1779000000</ifrs-full:MiscellaneousOtherOperatingExpense>
    <ifrs-full:MiscellaneousOtherOperatingExpense contextRef="c-86" decimals="-6" id="f-10745" unitRef="eur">2097000000</ifrs-full:MiscellaneousOtherOperatingExpense>
    <ifrs-full:MiscellaneousOtherOperatingExpense contextRef="c-87" decimals="-6" id="f-10746" unitRef="eur">2392000000</ifrs-full:MiscellaneousOtherOperatingExpense>
    <san:DepositGuaranteeFundMiscellaneousOtherOperatingExpense contextRef="c-1" decimals="-6" id="f-10747" unitRef="eur">478000000</san:DepositGuaranteeFundMiscellaneousOtherOperatingExpense>
    <san:DepositGuaranteeFundMiscellaneousOtherOperatingExpense contextRef="c-86" decimals="-6" id="f-10748" unitRef="eur">481000000</san:DepositGuaranteeFundMiscellaneousOtherOperatingExpense>
    <san:DepositGuaranteeFundMiscellaneousOtherOperatingExpense contextRef="c-87" decimals="-6" id="f-10749" unitRef="eur">1083000000</san:DepositGuaranteeFundMiscellaneousOtherOperatingExpense>
    <ifrs-full:OtherOperatingIncomeExpense contextRef="c-1" decimals="-6" id="f-10750" unitRef="eur">-846000000</ifrs-full:OtherOperatingIncomeExpense>
    <ifrs-full:OtherOperatingIncomeExpense contextRef="c-86" decimals="-6" id="f-10751" unitRef="eur">-1749000000</ifrs-full:OtherOperatingIncomeExpense>
    <ifrs-full:OtherOperatingIncomeExpense contextRef="c-87" decimals="-6" id="f-10752" unitRef="eur">-1929000000</ifrs-full:OtherOperatingIncomeExpense>
    <ifrs-full:DisclosureOfEmployeeBenefitsExplanatory contextRef="c-1" id="f-10753">Staff costs&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i4d455e9c5acf4839a8e63a9d139c4059"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Breakdown&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Staff costs is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:15pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:59.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.173%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Wages and salaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,351&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,567&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,042&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Social Security costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,644&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Additions to provisions for defined benefit pension plans (note&#160;25)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Contributions to defined contribution pension funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;307&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other Staff costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,252&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,241&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,656&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,851&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,299&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="ifd243c4bb6e9420a9a49d48b3e7fe5b3"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Headcount&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%"&gt;The number of employees of Grupo Santander at 31 December 2025, 2024 and 2023 is 198,403, 206,753 and 212,764, respectively. For the years 2025, 2024 and 2023 the average number of employees of the Group is 203,572, 209,371 and 211,135 , respectively, being the average number of employees of Banco Santander, S.A. 23,207, 23,839 and 24,061, of which 17, 15 and 16 are executive directors and Senior management, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The functional breakdown (final employment), by gender, at 31 December&#160;2025 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.232%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.397%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.815%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.542%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.289%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.883%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.666%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.394%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.289%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.586%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.883%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.784%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="39" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Functional&#160;breakdown&#160;by&#160;gender&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Senior executives&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other executives&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other employees&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Men&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Women&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Not declared&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Men&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Women&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Not declared&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Men&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Women&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Not declared&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;918&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,778&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,052&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,404&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37,094&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;North America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;181&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,859&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,630&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,555&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,517&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;South America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;142&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,678&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,398&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30,472&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,890&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,383&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;632&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,315&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,080&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;76,431&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;91,501&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;41&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Senior Executives includes employees with job profiles under the following harmonized management levels: Senior Executive VP. Executive VP and VP. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Other Executives includes Directors, Mangers, Experts and Branch Managers.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;Note: This includes employees related to the Group's business held for sale in Poland.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;padding-right:263.62pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The labour relations between employees and the various Group companies are governed by the related collective agreements or similar regulations. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The number of Group employees with disabilities at 31 December 2025, 2024 and 2023, was 4,854, 4,828 and 4,701, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Likewise, the average number of employees of Banco Santander, S.A. with disabilities, equal to or greater than 33%, during 2025 was 419 (435 and 428 employees during 2024 and 2023). At the end of fiscal year 2025, there were 413 employees (432 and 436 employees at 31 December, 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;An employee with disabilities is considered to be a person who is recognised by the State or the company in each jurisdiction where the Group operates and that entitles them to receive direct monetary assistance, or other types of aid such as, for example, reduction of their taxes. In the case of Spain, employees with disabilities have been considered to be those with a degree of disabilities greater than or equal to 33%.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span id="i6425136598324ad399e750687187848e"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;c) Share-based payments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The main share-based payments granted by the Group in force at 31 December,&#160;2025, 2024 and 2023 are described below.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i634d8e2aa9134b8783b4118d8b879f0e"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i. Bank&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The variable remuneration policy for the Bank&#x2019;s executive directors and certain executive personnel of the Bank and of other Group companies includes Bank share-based payments, the implementation of which requires, in conformity with the law and the Bank&#x2019;s Bylaws, specific resolutions to be adopted by the general meeting.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Were it necessary or advisable for legal, regulatory or other similar reasons, the delivery mechanisms described below may be adapted in specific cases without altering the maximum number of shares linked to the plan or the essential conditions to which the delivery thereof is subject. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;These adaptations may involve replacing the delivery of shares with the delivery of cash amounts of an equal value.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The plans that include share-based payments are as follows: (i)&#160;Deferred and Conditional Variable Remuneration Plan; (ii)&#160;Deferred Multiyear Objectives Variable Remuneration Plan; (iii)&#160;Digital Transformation Award, (iv) Digital Transformation Award 2022, Digital Transformation Award 2023 and (vi) PagoNxt incentive Plan 2024 and 2025 for Santander executives. The characteristics of the plans are set forth below: &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.235%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Deferred variable remuneration systems&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Description and plan beneficiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Conditions&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Calculation Base&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(i) Deferred and conditional variable remuneration plan (2015, 2016, 2017, 2018, 2019, 2020, 2021,  2022, 2023, 2024 and 2025)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The purpose of these cycles is to defer a portion of the variable remuneration of the beneficiaries over a period of three years for the sixth cycles, over &lt;span style="-sec-ix-hidden:f-10847"&gt;three&lt;/span&gt; or five years for the fifth, seventh, eighth, ninth, tenth and eleventh cycles, and over &lt;span style="-sec-ix-hidden:f-10849"&gt;four&lt;/span&gt; or five years for the twelfth cycle, for it to be paid, where appropriate, in cash and in Santander shares. The other portion of the variable remuneration is also to be paid in cash and Santander shares, upon commencement of the cycles, in accordance with the rules set forth below.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Beneficiaries:&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Executive directors and certain executives (including senior management) and employees who assume risk, who perform control functions or receive an overall remuneration which puts them on the same remuneration level as executives and employees who assume risks (fifth cycle).&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;In the case of the sixth, seventh, eighth, ninth, tenth, eleventh twelfth, thirteenth, fourteenth and fifteenth cycle the beneficiaries are Material Risk Takers (Identified staff) that are not beneficiaries of the Deferred Multiyear Objectives Variable Remuneration Plan.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:1pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;For the fifth and sixth cycles (2015 to 2016), the accrual of the deferred compensation is conditioned, in addition to the requirement that the beneficiary remains in the Group's employ, with the exceptions included in the plan regulations on none of the following circumstances existing during the period prior to each delivery, pursuant to the provisions set forth in each case in the plan regulations: &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Poor financial performance of the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Breach by the beneficiary of internal regulations, including, in particular, those relating to risks.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Material restatement of the Group's consolidated financial statements, except when it is required pursuant to a change in accounting standards.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Significant changes in the Group&#x2019;s economic capital or risk profile&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:1pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;In the case of the seventh, eighth, ninth, tenth, eleventh, twelfth, thirteenth, fourteenth and fifteenth cycles, the accrual of deferred compensation is conditioned, in addition to the permanence of the beneficiary in the Group, with the exceptions contained in the plan's regulations, to non-occurrence of a poor performance of the entity as a whole or of a specific division or area of the entity or of the exposures generated by the personnel:&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;i.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:10.75pt"&gt;significant failures in risk management by the entity , or by a business unit or risk control unit.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;ii.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:9.1pt"&gt;the increase suffered by the entity or by a business unit of its capital needs, not foreseen at the time of generation of the exposures.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;iii.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.45pt"&gt;Regulatory sanctions or judicial sentences for events that could be attributable to the unit or the personnel responsible for those. Also, the breach of internal codes of conduct of the entity.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;iv.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.47pt"&gt;Irregular behaviours, whether individual or collective, considering in particular the negative effects derived from the marketing of inappropriate products and the responsibilities of the persons or bodies that made those decisions.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Fifth cycle (2015):&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Executive directors and members of the Identified Staff with total variable remuneration higher than 2.6 million euros: 40% paid immediately and 60% deferred over 5 years deferral period.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Division managers, country heads (of countries which represent at least 1% of Group's economic capital), other executives of the Group with a similar profile and members of the Identified Staff  with total variable remuneration between 1.7 million euros (1.8 million in fourth cycle) and 2.6 million euros: 50% paid immediately and 50% deferred over  5 years (fifth cycle)&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Other beneficiaries: 60% paid immediately and 40% deferred over 3 years.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Sixth cycle (2016):&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;60% of bonus will be paid immediately and 40%  deferred over a &lt;span style="-sec-ix-hidden:f-10867"&gt;three&lt;/span&gt; year period.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Seventh, eighth, ninth, tenth and eleventh cycle (2017, 2018, 2019, 2020 and 2021):&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Beneficiaries of these plans with target total variable remuneration higher or equal to 2.7 million euros: 40%  paid immediately and 60% deferred over 5 years&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Beneficiaries of these plans with target total variable remuneration between 1.7 million euros and 2.7 million euros: 50% paid immediately and 50%paid over 5 years&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Other beneficiaries of these plans: 60% paid immediately and 40% deferred over 3 years.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:10.91pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Twelfth (2022), thirteenth (2023),fourteenth (2024) and fifteenth (2025) cycle:&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Beneficiaries of these plans with target total variable remuneration higher or equal to 2.7 million euros: 40% paid immediately and 60% deferred over 5 years&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Beneficiaries of these plans with target total variable remuneration between 1.7 million euros and 2.7 million euros: 50% paid immediately and 50% paid over 5 years&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Other beneficiaries of these plans: 60% paid immediately and 40% deferred over 4 years.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:10.91pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:10.91pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;T&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:10.91pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:10.91pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.235%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Deferred variable remuneration systems&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Description and plan beneficiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Conditions&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Calculation Base&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(ii)Deferred Multiyear Objectives Variable Remuneration Plan (2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024 and 2025)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The aim is simplifying the remuneration structure, improving the ex ante risk adjustment and increasing the impact of the long-term objectives on the Group&#x2019;s most relevant roles. The purpose of these cycles is to defer a portion of the variable remuneration of the beneficiaries over a period of &lt;span style="-sec-ix-hidden:f-10914"&gt;three&lt;/span&gt; or five years (&lt;span style="-sec-ix-hidden:f-10916"&gt;four&lt;/span&gt; or five years for the seventh cycle) for it to be paid, where appropriate, in cash and in Santander shares; the other portion of the variable remuneration is also to be paid in cash and Santander shares (regarding the instruments part, executive directors in the seventh cycle have the opportunity to choose all in share options or half in share options and half in shares), upon commencement of the cycles, in accordance with the rules set forth below. The accrual of the last third of the deferral (in the case of 3 years deferral), the last 2 fourths (in the case of 4 years deferral) and the last three fifths (in the case of 5 years deferral) is also subject to long-term objectives.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%"&gt;Beneficiaries&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Executive directors, senior management and certain executives of the Group&#x2019;s first lines of responsibility.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;In 2016 the accrual is conditioned, in addition to the permanence of the beneficiary in the Group, with the exceptions contained in the plan&#x2019;s regulations, to non-occurrence of the following circumstances during the period prior to each of the deliveries in the terms set forth in each case in the plan&#x2019;s regulations: &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;i.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:10.75pt"&gt;Poor performance of the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;ii.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:9.1pt"&gt;Breach by the beneficiary of the internal regulations, including in particular that relating to risks.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;iii.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.45pt"&gt;Material restatement of the Group&#x2019;s consolidated financial statements, except when appropriate under a change in accounting regulations.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;iv.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.47pt"&gt;Significant changes in the Group&#x2019;s economic capital or risk profile. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;In 2017, 2018, 2019, 2020 and 2021 the accrual is conditioned, in addition to the beneficiary' permanence in the Group, with the exceptions contained in the plan&#x2019;s regulations, to the non-occurrence of poor financial performance from the entity as a whole or of a specific division or area thereof or of the exposures generated by the personnel, taking into account the following factors:&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;v.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:9.12pt"&gt;Significant failures in risk management committed by the entity, or by a business unit or risk control unit.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;vi.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.47pt"&gt;the increase suffered by the entity or by a business unit of its capital needs, not foreseen at the time of generation of the exposures.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;vii.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:5.82pt"&gt;Regulatory sanctions or court rulings for events that could be attributable to the unit or the  personnel responsible for those. Also, the breach  of internal codes of conduct of the entity.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;viii.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:4.17pt"&gt;Irregular behaviours, whether individual or collective, considering in particular negative effects derived from the marketing of inappropriate products and responsibilities of persons or bodies that made those decisions.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:3.83pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Paid half in cash and half in shares. In the seventh cycle, and only for executive directors: half in cash and 25% in share options and 25% in shares (unless the director chooses to receive options only). The maximum number of shares to be delivered is calculated by taking into account the weighted average daily volume of weighted average prices for the fifteen trading sessions prior to the previous Friday (excluding) on the date on which the board decides the bonus for the Executive directors of the Bank. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;In the eighth cycle, and for all Identified Staff: half in cash and 25% in shares and 25% in share options, or half in cash and half in shares, according to each executive&#xb4;s choice.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;In the ninth and tenth cycle, half in cash and  half in shares.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;First cycle (2016): &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Executive directors and members of the Identified Staff with total variable remuneration higher than or equal to 2.7 million euros: 40% paid immediately and 60% deferred over a 5  year period. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Senior managers, country heads of countries representing at least 1% of the Group&#xb4;s capital and other members of the identified staff whose total variable remuneration is between 1.7 million and 2.7 million euros: 50% paid immediately and 50% deferred over a 5 year period. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Other beneficiaries: 60% paid immediately and 40% deferred over a 3 year period. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The second, third, fourth, fifth and sixth cycles (2017, 2018, 2019,2020 and 2021 respectively) are under the aforementioned deferral rules, except that the  variable remuneration considered is the target for each executive and not the actual award. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;In 2016 the metrics for the deferred portion subject to long-term objectives (last third or last three fifths, respectively, for the cases of three years and five years deferrals) are: &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Earnings per share (EPS) growth in 2018 over 2015. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Relative Total Shareholder Return (TSR) in the 2016-2018 period measured against a group of credit institutions. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Compliance with the fully-loaded common equity tier 1 ('CET1') ratio target for financial year 2018. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Compliance with Grupo Santander&#x2019;s underlying return on risk-weighted assets ('RoRWA') growth target for financial year 2018 compared to financial year 2015. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;In the second, third, fourth, fifth and sixth cycle (2017, 2018, 2019, 2020 and 2021) the metrics for the deferred portion subject to long-term objectives (last third or last three fifths, respectively, for the cases of three years and five years deferrals) are: &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;EPS growth in 2019, 2020, 2021, 2022 and 2023 (over 2016, 2017, 2018, 2019 and 2020, for each respective cycle)&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Relative Total Shareholder Return (TSR) measured against a group of 17 credit institutions (second and third cycles) in the periods 2017-2019 and 2018-2019, respectively, and against a group of 9 entities (fourth, fifth and sixth cycle) for the 2019-2021, 2020-2022 and 2010-2023  period. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Compliance with the fully-loaded common equity tier 1 ('CET1') ratio target for financial years 2019, 2020, 2021,2022 and 2023, respectively. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;In the seventh (2022), eighth cycle (2023), ninth (2025) and tenth cycle (2025), the metrics for the deferred portion subject to long-term objectives (two last fourths and last three fifths, for the cases of four years and five years deferrals) are:&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Banco Santander's consolidated Return on tangible equity (RoTE) target in 2024 (7th cycle),  2025 (8th cycle), 2026 (9th cycle) and 2027 (10th cycle).&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Relative Total Shareholder Return (TSR) measured against a group of 9 credit institutions for the period 2022-2024 (7th cycle), 2023-2025 (8th cycle), 2024-2026 (9th cycle) and 2025-2027 (10th cycle).&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Progress level  in the  public targets of our Sustainability agenda.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.235%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Deferred variable remuneration systems&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Description and plan beneficiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Conditions&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Calculation Base&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(iii) Digital Transformation Award (2019, 2020 and 2021)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The 2019, 2020 and 2021 Digital Transformation Incentive (the 'Digital Incentive') is a variable remuneration system that includes the delivery of Santander shares and share options.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The aim of the Digital Incentive is to attract and retain the critical skill sets to support and accelerate the digital transformation of the Group. By means of this program, the Group offers a remuneration element which is competitive with the remuneration systems offered  by other market operators who also compete for digital talent.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The number of beneficiaries is limited to a maximum of 250 employees and the total amount of the incentive is limited to 30 million euros.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The funding of this incentive is subject to meeting important milestones that are aligned with the Group&#xb4;s digital roadmap and have been approved by the board of directors, taking into account the digitalization strategy of the Group, with the aim of becoming the best open, responsible global financial services platform.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Performance of 2019 incentive was measured based on achievement of the following milestones: (i) Launch of a Global Trade Services (GTS) platform; (ii) launch of a Global Merchant Services (GMS) platform; (iii) migration of our fully digital bank, OpenBank, to a 'next generation' platform and launch in 3 markets; (iv) extension of SuperDigital in Brazil to at least one other country; (v) and launch of our international payments app based on blockchain Pago FX to non-Santander customers.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The milestones for the 2020 Digital Transformation Award were: (i) rolling out the global merchant services (GMS) platform in 3 new geographies, enhancing the platform functionality and achieving volume targets for transactions and participating merchants; (ii) doing the commercial rollout of the global trade services (GTS) platform in 8 new geographies, enhancing platform functionality, and achieving  volume targets for on-boarded clients and monthly active users; (iii) launching OpenBank in a new market and migrating the retail banking infrastructure to 'new-mode' bank; (iv) launch the global platform SuperDigital in at least 4 countries, driving target active user growth; (v) deploying machine learning across pre-defined markets for 4 priority use cases, rolling out Conversion Rate Optimization (Digital marketing) for at least 40 sales programs, delivering profit targets, and driving reduction of agent handled calls in contact centers; (vi) successfully implementing initiatives related to on-board and identity services, common API (application programming interface) layer, payment hubs, mobile app for SMEs and virtual assistant services; and (vii) launching the PagoFX global platform in at least 4 countries.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The milestones for 2021 were: (i)in relation to Pago Nxt Consumer payment platform: implementation of Superdigital platform in seven countries, acquisition of over 1.5 million active customer base and accelerating growth through B2B (business to business) and B2B2C (business to business to customer) partnerships, acquiring more than 50% of the new customers through these channels, which are more cost-effective; (ii)in relation to Digital Consumer Bank: launching online API for checkout lending in the European Union and completion of controllable items for Openbank launch in USA; (iii)in relation to One Santander strategy: implementation in Europe of One Common Mobile Experience and, specifically, implementation of Europe ONE app for individual customers in at least three of the four countries by December 2021; and be among the three-top rated entities in terms of Mobile NetPromoter Score (Mobile NPS) in at least two of the four countries by December 2021; (iv) In relation to cloud adoption: host 75% of migratable virtual machines on cloud technology (either public cloud or OHE) by December 2021. For these purposes, mainframes, physical servers and servers with non-x86 operating systems will be considered non-migratable. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The Digital Incentive is structured 50% in Santander shares and 50% in options over Santander shares, taking into account the fair value of the option at the moment in which they are granted. For Material Risk Takers subject to five years deferrals, the Digital Incentive (shares and options over shares) shall be delivered in thirds, on the third, fourth and fifth anniversary from their granting. For Material Risk Takers subject to three years deferrals and employees not subject to deferrals, delivery shall be done on the third anniversary from their granting.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Any delivery of shares, either directly or via exercise of options overs shares, will be subject generally to the Group&#x2019;s general &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:110%"&gt;malus&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt; &amp;amp; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:110%"&gt;clawback&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt; provisions as described in the Group&#x2019;s remuneration policy and to the continuity of the beneficiary within the Grupo Santander. In this regard, the board may define specific rules for non-Identified Staff.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Vested share options can be exercised until maturity, with all options lapsing after ten years (for granting the 2019 incentive) and eight years (for granting the 2020 and 2021 incentive).&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The total achievement for 2021 Digital Incentive was 77.5% (85% en 2020 and 83% en 2019).&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.605%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Deferred variable remuneration systems&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Description and plan beneficiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Conditions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Calculation base&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(iv) Digital Transformation Award (2022)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The board of directors approved the 2022 Digital&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Transformation Incentive. It is a variable remuneration scheme&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;splits in two different blocks:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022; The first one, with the same mechanism than previous years,&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;that delivers Santander shares and share options if the group hits major milestones on its digital roadmap. This is aimed at a group of up to 250 (is limited to 30 million euros)employees whose functions are deemed essential to Santander&#x2019;s growth.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022; And the second one, which delivers PagoNxt, S.L. RSUs and premium prices options (PPOs), and is aimed at up to 50&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;employees (and limited to 15 million euros) whose roles are considered key to PagoNxt&#x2019;s success.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The aim of the Digital Incentive is to attract and retain the critical skill sets to support and accelerate the digital transformation of the Group. By means of this program, the Group offers a remuneration element which is competitive with the remuneration systems offered  by other market operators who also compete for digital talent.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Performance of the first block of the  incentive shall be measured based on achievement of the following milestones:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;i. Edelweiss: Our Santander future retail architecture EDELWEISS will mean moving from our current Core centric banking architecture towards a Customer and Data-Centric Core supported by lean Record Processing engines. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;ii. Simplification: Speed up the simplification of our technology platform and business model by Reducing the total number of applications in production and reducing number of products in the regions.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;iii. Agile: Agile ways of working enable a better and faster reaction to customers&#x2019; needs and is based on a value-driven delivery that increases efficiency by reducing time-to-market and development costs, and increasing quality. People working in Agile are more collaborative, engaged, empowered and creative. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;iv. In Digital Consumer Bank:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;a) To create the BNPL platform connected to at least one merchant in Netherlands and Germany, and to make sure the platform is ready to connect in Spain.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;b) To support the definition of Openbank US&#x2019;s IT digital strategy and achieve 2022 milestones in it.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;c) To have the new leasing platform connected to dealers in Italy.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;d) To expand the Wabi B2B online business to Germany. To execute the first B2B deal with an Original Equipment Manufacturer or mobility player in at least one country. To expand coches.com business and platform to Portugal.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;And in regard to the second block of digital incentive: the consolidation of PagoNxt Core Perimeter.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The first block of thee Digital Incentive is structured 50% in Santander shares and 50% in options over Santander shares, taking into account the fair value of the option at the moment in which they are granted. For Material Risk Takers subject to five years deferrals, the Digital Incentive (shares and options over shares) shall be delivered in thirds, on the third, fourth and fifth anniversary from their granting. For Material Risk Takers subject to three years deferrals and employees not subject to deferrals, delivery shall be done on the third anniversary from their granting.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Any delivery of shares, either directly or via exercise of options overs shares, will be subject generally to the Group&#x2019;s general &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:110%"&gt;malus&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt; &amp;amp; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:110%"&gt;clawback&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt; provisions as described in the Group&#x2019;s remuneration policy and to the continuity of the beneficiary within the Grupo Santander. In this regard, the board may define specific rules for non-Identified Staff.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Vested share options can be exercised until maturity, with all options lapsing after ten years.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The total achievement for 2022 Digital Incentive was 96.5%.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The second block of Digital Incentive is structures in restricted stock units (RSUs) and premium priced Options (PPOs) of PagoNxt S.L. in a percentage determined by the internal category of the beneficiary. The total achievement for 2022 was 100%.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.605%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Deferred variable remuneration systems&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Description and plan beneficiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Conditions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Calculation base&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(v) Digital Transformation Award (2023)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The board of directors approved the 2023 Digital&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Transformation Incentive. It is a variable remuneration scheme  which delivers PagoNxt, S.L. RSUs and premium prices options (PPOs), and is aimed at up to 50&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;employees (and limited to 15 million euros) whose roles are considered key to PagoNxt&#x2019;s success.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;With this program, the Group offers a remuneration element which is competitive with the remuneration systems offered  by other market operators who also compete for digital talent.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;And the performance conditions were focus on key digital projects related with PagoNxt's main businesses (Trade, Merchant and Payments) in its core geographies.&lt;br/&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;This incentive  is structures in restricted stock units (RSUs) and premium priced Options (PPOs) of PagoNxt S.L. in a percentage determined by the internal category of the beneficiary. The average achievement for 2023 was 88%.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.605%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Deferred variable remuneration systems&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Description and plan beneficiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Conditions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Calculation base&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(vi) PagoNxt incentive Plan 2024 and 2025 for Santander executives)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The board of directors approved the PagoNxt incentive Plan 2024 and 2025 Incentive. It is a variable remuneration scheme  which delivers PagoNxt, S.L. RSUs, and is aimed at approximately  to 50 - 60 employees whose roles are considered key to PagoNxt&#x2019;s success.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;With this program, the Group offers a remuneration element which is competitive with the remuneration systems offered  by other market operators who also compete for digital talent.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;And the performance conditions were focus on key digital projects related with PagoNxt's main businesses (Trade, Merchant and Payments) in its core geographies.&lt;br/&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;This incentive  is structures in restricted stock units (RSUs) of PagoNxt S.L. in a percentage determined by the internal category of the beneficiary. The average achievement for 2024 was 77% and 85% in 2025.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt;padding-right:263.62pt"&gt;&lt;span id="i71e8eb5031f74984a64fbc0db04bf1af"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii. Santander UK plc &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The long-term incentive plans on shares of the Bank granted by management of Santander UK plc to its employees are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.348%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Number of shares (in thousand)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exercise price&#160;in pounds sterling&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Year granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Employee group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Number of persons&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Date of commencement of&#160;exercise period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Date of expiry of exercise period&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Plans outstanding at 01/01/2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;29,988&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Options granted (sharesave)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.78&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Employees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,752&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;01/11/23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;01/11/26&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;01/11/23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;01/11/28&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Options exercised&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,980)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Options cancelled (net) or not exercised&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,044)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Plans outstanding at 31/12/2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;27,139&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Options granted (sharesave)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,991&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Employees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;01/11/24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;01/11/27&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;01/11/24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;01/11/29&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Options exercised&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,004)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Options cancelled (net) or not exercised&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,437)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Plans outstanding at 31/12/2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;25,689&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Options granted (sharesave)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,324&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Employees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,637&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;01/11/25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;01/11/28&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Options exercised&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9,966)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Options cancelled (net) or not exercised&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,554)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.88&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Plans outstanding at 31/12/2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,493&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;At  31 December,&#160;2025, 2024 and 2023, the euro/pound sterling exchange rate was 1.15, 1.21 and 1.15 , respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:12pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Number of accounts/contracts. A single employee may have more than one account/contract.&lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In 2008 the Group launched a voluntary savings scheme for Santander UK employees (Sharesave Scheme) whereby employees who join the scheme see deducted between GBP 5 and GBP 500 from their net&#160;monthly pay over a period of &lt;span style="-sec-ix-hidden:f-11036"&gt;three&lt;/span&gt; or five years. At the end of the chosen period, the employee may choose between collecting the amount contributed, the interest accrued and a bonus (tax-exempt in the United Kingdom) or exercising options on shares of the Bank in an amount equal to the sum of such three amounts at a fixed price. The exercise price will be the result of reducing by up to 20% the average purchase and sale prices of the Bank shares in the three trading sessions prior to the approval of the scheme by the UK tax authorities (HMRC). This approval must be received within 21 to 41 days following the publication of the Group&#x2019;s results for the first half of the year. This scheme was approved by the board of directors, at the proposal of the appointments and remuneration committee, and, since it involved the delivery of Bank shares, its application was authorized by the Annual General Meeting held on June 21, 2008. Also, the scheme was authorized by the UK tax authorities (HMRC) and commenced in September&#160;2008. In subsequent years, at the Annual General Meetings held on June 19, 2009, June 11, 2010, June 17, 2011, March 30, 2012, March 22, 2013, March 28, 2014, March 27, 2015, March 18, 2016, April 7, 2017, March&#160;23, 2018, April 12, 2019,  April 3, 2020 and March 26, 2021, respectively, the shareholders approved the application of schemes previously approved by the board and with similar features to the scheme approved in 2008.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="i39fe1139d2d34e548aef22772b3741b0"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:125%"&gt;iii. Fair value&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The fair value of the performance share plans was calculated as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i4c6fc669c95c4eafb7672b58aa3d0cb3"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;a) Deferred variable compensation plan linked to multi-year objectives 2023, 2024 and 2025:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group calculates at the grant date the fair value of the plan based on the valuation report of an independent expert, Willis Towers Watson. According to the design of the plan for 2023, 2024 and 2025 and the levels of achievement of similar plans in comparable entities, it has been considered that the fair value is 70%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="if42bf1a5501b4b7a8532084f4be275ee"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;b) Santander UK sharesave plans: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The fair value of each option at the date of grant is estimated using an analytical model that also reflects the correlation between EUR and GBP. This model uses assumptions on the share price, the EUR/GBP FX rate, the EUR/GBP risk-free interest rate, dividend yields, the expected volatilities of both the underlying shares and EUR/GBP for the expected lives of options granted. The weighted average grant-date fair value of options granted during the year was GBP 0.44 (GBP 0.23 and GBP 0.33 reported in 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfEmployeeBenefitsExplanatory>
    <san:DisclosureOfDetailedInformationAboutPersonnelExpensesExplanatoryTableTextBlock contextRef="c-1" id="f-10754">&lt;div style="margin-bottom:9pt;margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Staff costs is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:15pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:59.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.173%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Wages and salaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,351&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,567&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,042&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Social Security costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,644&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Additions to provisions for defined benefit pension plans (note&#160;25)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Contributions to defined contribution pension funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;307&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other Staff costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,252&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,241&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,656&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,851&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,299&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfDetailedInformationAboutPersonnelExpensesExplanatoryTableTextBlock>
    <ifrs-full:WagesAndSalaries contextRef="c-1" decimals="-6" id="f-10755" unitRef="eur">10351000000</ifrs-full:WagesAndSalaries>
    <ifrs-full:WagesAndSalaries contextRef="c-86" decimals="-6" id="f-10756" unitRef="eur">10567000000</ifrs-full:WagesAndSalaries>
    <ifrs-full:WagesAndSalaries contextRef="c-87" decimals="-6" id="f-10757" unitRef="eur">10042000000</ifrs-full:WagesAndSalaries>
    <ifrs-full:SocialSecurityContributions contextRef="c-1" decimals="-6" id="f-10758" unitRef="eur">1680000000</ifrs-full:SocialSecurityContributions>
    <ifrs-full:SocialSecurityContributions contextRef="c-86" decimals="-6" id="f-10759" unitRef="eur">1644000000</ifrs-full:SocialSecurityContributions>
    <ifrs-full:SocialSecurityContributions contextRef="c-87" decimals="-6" id="f-10760" unitRef="eur">1576000000</ifrs-full:SocialSecurityContributions>
    <ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans contextRef="c-1" decimals="-6" id="f-10761" unitRef="eur">41000000</ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans>
    <ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans contextRef="c-86" decimals="-6" id="f-10762" unitRef="eur">45000000</ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans>
    <ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans contextRef="c-87" decimals="-6" id="f-10763" unitRef="eur">42000000</ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans>
    <ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans contextRef="c-1" decimals="-6" id="f-10764" unitRef="eur">332000000</ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans>
    <ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans contextRef="c-86" decimals="-6" id="f-10765" unitRef="eur">354000000</ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans>
    <ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans contextRef="c-87" decimals="-6" id="f-10766" unitRef="eur">307000000</ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans>
    <ifrs-full:OtherEmployeeExpense contextRef="c-1" decimals="-6" id="f-10767" unitRef="eur">1252000000</ifrs-full:OtherEmployeeExpense>
    <ifrs-full:OtherEmployeeExpense contextRef="c-86" decimals="-6" id="f-10768" unitRef="eur">1241000000</ifrs-full:OtherEmployeeExpense>
    <ifrs-full:OtherEmployeeExpense contextRef="c-87" decimals="-6" id="f-10769" unitRef="eur">1332000000</ifrs-full:OtherEmployeeExpense>
    <ifrs-full:EmployeeBenefitsExpense contextRef="c-1" decimals="-6" id="f-10770" unitRef="eur">13656000000</ifrs-full:EmployeeBenefitsExpense>
    <ifrs-full:EmployeeBenefitsExpense contextRef="c-86" decimals="-6" id="f-10771" unitRef="eur">13851000000</ifrs-full:EmployeeBenefitsExpense>
    <ifrs-full:EmployeeBenefitsExpense contextRef="c-87" decimals="-6" id="f-10772" unitRef="eur">13299000000</ifrs-full:EmployeeBenefitsExpense>
    <ifrs-full:NumberOfEmployees
      contextRef="c-2"
      decimals="INF"
      id="f-10773"
      unitRef="employee">198403</ifrs-full:NumberOfEmployees>
    <ifrs-full:NumberOfEmployees
      contextRef="c-3"
      decimals="INF"
      id="f-10774"
      unitRef="employee">206753</ifrs-full:NumberOfEmployees>
    <ifrs-full:NumberOfEmployees
      contextRef="c-4"
      decimals="INF"
      id="f-10775"
      unitRef="employee">212764</ifrs-full:NumberOfEmployees>
    <ifrs-full:AverageNumberOfEmployees contextRef="c-1" decimals="0" id="f-10776" unitRef="people">203572</ifrs-full:AverageNumberOfEmployees>
    <ifrs-full:AverageNumberOfEmployees
      contextRef="c-86"
      decimals="0"
      id="f-10777"
      unitRef="people">209371</ifrs-full:AverageNumberOfEmployees>
    <ifrs-full:AverageNumberOfEmployees
      contextRef="c-87"
      decimals="0"
      id="f-10778"
      unitRef="people">211135</ifrs-full:AverageNumberOfEmployees>
    <ifrs-full:AverageNumberOfEmployees
      contextRef="c-4636"
      decimals="0"
      id="f-10779"
      unitRef="people">23207</ifrs-full:AverageNumberOfEmployees>
    <ifrs-full:AverageNumberOfEmployees
      contextRef="c-4637"
      decimals="0"
      id="f-10780"
      unitRef="people">23839</ifrs-full:AverageNumberOfEmployees>
    <ifrs-full:AverageNumberOfEmployees
      contextRef="c-4638"
      decimals="0"
      id="f-10781"
      unitRef="people">24061</ifrs-full:AverageNumberOfEmployees>
    <ifrs-full:AverageNumberOfEmployees
      contextRef="c-4639"
      decimals="0"
      id="f-10782"
      unitRef="people">17</ifrs-full:AverageNumberOfEmployees>
    <ifrs-full:AverageNumberOfEmployees
      contextRef="c-4640"
      decimals="0"
      id="f-10783"
      unitRef="people">15</ifrs-full:AverageNumberOfEmployees>
    <ifrs-full:AverageNumberOfEmployees
      contextRef="c-4641"
      decimals="0"
      id="f-10784"
      unitRef="people">16</ifrs-full:AverageNumberOfEmployees>
    <san:DisclosureOfDetailedInformationAboutEmployeeByGenderExplanatoryTableTextBlock contextRef="c-1" id="f-10785">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The functional breakdown (final employment), by gender, at 31 December&#160;2025 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.232%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.397%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.815%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.542%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.289%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.883%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.666%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.394%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.289%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.586%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.883%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.784%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="39" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Functional&#160;breakdown&#160;by&#160;gender&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Senior executives&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other executives&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other employees&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Men&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Women&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Not declared&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Men&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Women&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Not declared&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Men&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Women&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Not declared&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;918&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,778&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,052&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,404&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37,094&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;North America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;181&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,859&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,630&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,555&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,517&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;South America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;142&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,678&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,398&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30,472&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,890&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,383&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;632&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,315&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,080&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;76,431&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;91,501&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;41&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Senior Executives includes employees with job profiles under the following harmonized management levels: Senior Executive VP. Executive VP and VP. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Other Executives includes Directors, Mangers, Experts and Branch Managers.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;Note: This includes employees related to the Group's business held for sale in Poland.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfDetailedInformationAboutEmployeeByGenderExplanatoryTableTextBlock>
    <san:NumberOfMenEmployees
      contextRef="c-4642"
      decimals="0"
      id="f-10786"
      unitRef="people">918</san:NumberOfMenEmployees>
    <san:NumberOfWomenEmployees
      contextRef="c-4643"
      decimals="0"
      id="f-10787"
      unitRef="people">426</san:NumberOfWomenEmployees>
    <san:NumberOfOthersEmployees
      contextRef="c-4643"
      decimals="0"
      id="f-10788"
      unitRef="people">0</san:NumberOfOthersEmployees>
    <san:NumberOfUndeclaredEmployees
      contextRef="c-4643"
      decimals="0"
      id="f-10789"
      unitRef="people">0</san:NumberOfUndeclaredEmployees>
    <san:NumberOfMenEmployees
      contextRef="c-4644"
      decimals="0"
      id="f-10790"
      unitRef="people">8778</san:NumberOfMenEmployees>
    <san:NumberOfWomenEmployees
      contextRef="c-4645"
      decimals="0"
      id="f-10791"
      unitRef="people">5052</san:NumberOfWomenEmployees>
    <san:NumberOfOthersEmployees
      contextRef="c-4645"
      decimals="0"
      id="f-10792"
      unitRef="people">0</san:NumberOfOthersEmployees>
    <san:NumberOfUndeclaredEmployees
      contextRef="c-4645"
      decimals="0"
      id="f-10793"
      unitRef="people">10</san:NumberOfUndeclaredEmployees>
    <san:NumberOfMenEmployees
      contextRef="c-4646"
      decimals="0"
      id="f-10794"
      unitRef="people">31404</san:NumberOfMenEmployees>
    <san:NumberOfWomenEmployees
      contextRef="c-4647"
      decimals="0"
      id="f-10795"
      unitRef="people">37094</san:NumberOfWomenEmployees>
    <san:NumberOfOthersEmployees
      contextRef="c-4647"
      decimals="0"
      id="f-10796"
      unitRef="people">3</san:NumberOfOthersEmployees>
    <san:NumberOfUndeclaredEmployees
      contextRef="c-4647"
      decimals="0"
      id="f-10797"
      unitRef="people">39</san:NumberOfUndeclaredEmployees>
    <san:NumberOfMenEmployees
      contextRef="c-4648"
      decimals="0"
      id="f-10798"
      unitRef="people">181</san:NumberOfMenEmployees>
    <san:NumberOfWomenEmployees
      contextRef="c-4649"
      decimals="0"
      id="f-10799"
      unitRef="people">64</san:NumberOfWomenEmployees>
    <san:NumberOfOthersEmployees
      contextRef="c-4649"
      decimals="0"
      id="f-10800"
      unitRef="people">0</san:NumberOfOthersEmployees>
    <san:NumberOfUndeclaredEmployees
      contextRef="c-4649"
      decimals="0"
      id="f-10801"
      unitRef="people">0</san:NumberOfUndeclaredEmployees>
    <san:NumberOfMenEmployees
      contextRef="c-4650"
      decimals="0"
      id="f-10802"
      unitRef="people">3859</san:NumberOfMenEmployees>
    <san:NumberOfWomenEmployees
      contextRef="c-4651"
      decimals="0"
      id="f-10803"
      unitRef="people">2630</san:NumberOfWomenEmployees>
    <san:NumberOfOthersEmployees
      contextRef="c-4651"
      decimals="0"
      id="f-10804"
      unitRef="people">0</san:NumberOfOthersEmployees>
    <san:NumberOfUndeclaredEmployees
      contextRef="c-4651"
      decimals="0"
      id="f-10805"
      unitRef="people">4</san:NumberOfUndeclaredEmployees>
    <san:NumberOfMenEmployees
      contextRef="c-4652"
      decimals="0"
      id="f-10806"
      unitRef="people">14555</san:NumberOfMenEmployees>
    <san:NumberOfWomenEmployees
      contextRef="c-4653"
      decimals="0"
      id="f-10807"
      unitRef="people">18517</san:NumberOfWomenEmployees>
    <san:NumberOfOthersEmployees
      contextRef="c-4653"
      decimals="0"
      id="f-10808"
      unitRef="people">2</san:NumberOfOthersEmployees>
    <san:NumberOfUndeclaredEmployees
      contextRef="c-4653"
      decimals="0"
      id="f-10809"
      unitRef="people">1</san:NumberOfUndeclaredEmployees>
    <san:NumberOfMenEmployees
      contextRef="c-4654"
      decimals="0"
      id="f-10810"
      unitRef="people">284</san:NumberOfMenEmployees>
    <san:NumberOfWomenEmployees
      contextRef="c-4655"
      decimals="0"
      id="f-10811"
      unitRef="people">142</san:NumberOfWomenEmployees>
    <san:NumberOfOthersEmployees
      contextRef="c-4655"
      decimals="0"
      id="f-10812"
      unitRef="people">0</san:NumberOfOthersEmployees>
    <san:NumberOfUndeclaredEmployees
      contextRef="c-4655"
      decimals="0"
      id="f-10813"
      unitRef="people">0</san:NumberOfUndeclaredEmployees>
    <san:NumberOfMenEmployees
      contextRef="c-4656"
      decimals="0"
      id="f-10814"
      unitRef="people">4678</san:NumberOfMenEmployees>
    <san:NumberOfWomenEmployees
      contextRef="c-4657"
      decimals="0"
      id="f-10815"
      unitRef="people">3398</san:NumberOfWomenEmployees>
    <san:NumberOfOthersEmployees
      contextRef="c-4657"
      decimals="0"
      id="f-10816"
      unitRef="people">0</san:NumberOfOthersEmployees>
    <san:NumberOfUndeclaredEmployees
      contextRef="c-4657"
      decimals="0"
      id="f-10817"
      unitRef="people">1</san:NumberOfUndeclaredEmployees>
    <san:NumberOfMenEmployees
      contextRef="c-4658"
      decimals="0"
      id="f-10818"
      unitRef="people">30472</san:NumberOfMenEmployees>
    <san:NumberOfWomenEmployees
      contextRef="c-4659"
      decimals="0"
      id="f-10819"
      unitRef="people">35890</san:NumberOfWomenEmployees>
    <san:NumberOfOthersEmployees
      contextRef="c-4659"
      decimals="0"
      id="f-10820"
      unitRef="people">0</san:NumberOfOthersEmployees>
    <san:NumberOfUndeclaredEmployees
      contextRef="c-4659"
      decimals="0"
      id="f-10821"
      unitRef="people">1</san:NumberOfUndeclaredEmployees>
    <san:NumberOfMenEmployees
      contextRef="c-4660"
      decimals="0"
      id="f-10822"
      unitRef="people">1383</san:NumberOfMenEmployees>
    <san:NumberOfWomenEmployees
      contextRef="c-4661"
      decimals="0"
      id="f-10823"
      unitRef="people">632</san:NumberOfWomenEmployees>
    <san:NumberOfOthersEmployees
      contextRef="c-4661"
      decimals="0"
      id="f-10824"
      unitRef="people">0</san:NumberOfOthersEmployees>
    <san:NumberOfUndeclaredEmployees
      contextRef="c-4661"
      decimals="0"
      id="f-10825"
      unitRef="people">0</san:NumberOfUndeclaredEmployees>
    <san:NumberOfMenEmployees
      contextRef="c-4662"
      decimals="0"
      id="f-10826"
      unitRef="people">17315</san:NumberOfMenEmployees>
    <san:NumberOfWomenEmployees
      contextRef="c-4663"
      decimals="0"
      id="f-10827"
      unitRef="people">11080</san:NumberOfWomenEmployees>
    <san:NumberOfOthersEmployees
      contextRef="c-4663"
      decimals="0"
      id="f-10828"
      unitRef="people">0</san:NumberOfOthersEmployees>
    <san:NumberOfUndeclaredEmployees
      contextRef="c-4663"
      decimals="0"
      id="f-10829"
      unitRef="people">15</san:NumberOfUndeclaredEmployees>
    <san:NumberOfMenEmployees
      contextRef="c-4664"
      decimals="0"
      id="f-10830"
      unitRef="people">76431</san:NumberOfMenEmployees>
    <san:NumberOfWomenEmployees
      contextRef="c-4665"
      decimals="0"
      id="f-10831"
      unitRef="people">91501</san:NumberOfWomenEmployees>
    <san:NumberOfOthersEmployees
      contextRef="c-4665"
      decimals="0"
      id="f-10832"
      unitRef="people">5</san:NumberOfOthersEmployees>
    <san:NumberOfUndeclaredEmployees
      contextRef="c-4665"
      decimals="0"
      id="f-10833"
      unitRef="people">41</san:NumberOfUndeclaredEmployees>
    <san:AverageNumberOfEmployeesWithDisabilities
      contextRef="c-1"
      decimals="INF"
      id="f-10834"
      unitRef="people">4854</san:AverageNumberOfEmployeesWithDisabilities>
    <san:AverageNumberOfEmployeesWithDisabilities
      contextRef="c-86"
      decimals="INF"
      id="f-10835"
      unitRef="employee">4828</san:AverageNumberOfEmployeesWithDisabilities>
    <san:AverageNumberOfEmployeesWithDisabilities
      contextRef="c-87"
      decimals="INF"
      id="f-10836"
      unitRef="employee">4701</san:AverageNumberOfEmployeesWithDisabilities>
    <san:EmployeesWithDisabilitiesThresholdDegreeOfDisability
      contextRef="c-4666"
      decimals="2"
      id="f-10837"
      unitRef="number">0.33</san:EmployeesWithDisabilitiesThresholdDegreeOfDisability>
    <san:AverageNumberOfEmployeesWithDisabilities
      contextRef="c-4666"
      decimals="INF"
      id="f-10838"
      unitRef="employee">419</san:AverageNumberOfEmployeesWithDisabilities>
    <san:AverageNumberOfEmployeesWithDisabilities
      contextRef="c-4667"
      decimals="INF"
      id="f-10839"
      unitRef="employee">435</san:AverageNumberOfEmployeesWithDisabilities>
    <san:AverageNumberOfEmployeesWithDisabilities
      contextRef="c-4668"
      decimals="INF"
      id="f-10840"
      unitRef="employee">428</san:AverageNumberOfEmployeesWithDisabilities>
    <san:NumberOfEmployeesWithDisabilitiesAtEndOfPeriod
      contextRef="c-1730"
      decimals="INF"
      id="f-10841"
      unitRef="employee">413</san:NumberOfEmployeesWithDisabilitiesAtEndOfPeriod>
    <san:NumberOfEmployeesWithDisabilitiesAtEndOfPeriod
      contextRef="c-1731"
      decimals="INF"
      id="f-10842"
      unitRef="employee">432</san:NumberOfEmployeesWithDisabilitiesAtEndOfPeriod>
    <san:NumberOfEmployeesWithDisabilitiesAtEndOfPeriod
      contextRef="c-1732"
      decimals="INF"
      id="f-10843"
      unitRef="employee">436</san:NumberOfEmployeesWithDisabilitiesAtEndOfPeriod>
    <san:EmployeesWithDisabilitiesThresholdDegreeOfDisability
      contextRef="c-2505"
      decimals="2"
      id="f-10844"
      unitRef="number">0.33</san:EmployeesWithDisabilitiesThresholdDegreeOfDisability>
    <san:DisclosureOfTermsAndConditionsOfDeferredVariableRemunerationPlansTableTextBlock contextRef="c-1" id="f-10845">The characteristics of the plans are set forth below: &lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.235%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Deferred variable remuneration systems&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Description and plan beneficiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Conditions&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Calculation Base&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(i) Deferred and conditional variable remuneration plan (2015, 2016, 2017, 2018, 2019, 2020, 2021,  2022, 2023, 2024 and 2025)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The purpose of these cycles is to defer a portion of the variable remuneration of the beneficiaries over a period of three years for the sixth cycles, over &lt;span style="-sec-ix-hidden:f-10847"&gt;three&lt;/span&gt; or five years for the fifth, seventh, eighth, ninth, tenth and eleventh cycles, and over &lt;span style="-sec-ix-hidden:f-10849"&gt;four&lt;/span&gt; or five years for the twelfth cycle, for it to be paid, where appropriate, in cash and in Santander shares. The other portion of the variable remuneration is also to be paid in cash and Santander shares, upon commencement of the cycles, in accordance with the rules set forth below.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Beneficiaries:&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Executive directors and certain executives (including senior management) and employees who assume risk, who perform control functions or receive an overall remuneration which puts them on the same remuneration level as executives and employees who assume risks (fifth cycle).&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;In the case of the sixth, seventh, eighth, ninth, tenth, eleventh twelfth, thirteenth, fourteenth and fifteenth cycle the beneficiaries are Material Risk Takers (Identified staff) that are not beneficiaries of the Deferred Multiyear Objectives Variable Remuneration Plan.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-bottom:1pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;For the fifth and sixth cycles (2015 to 2016), the accrual of the deferred compensation is conditioned, in addition to the requirement that the beneficiary remains in the Group's employ, with the exceptions included in the plan regulations on none of the following circumstances existing during the period prior to each delivery, pursuant to the provisions set forth in each case in the plan regulations: &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Poor financial performance of the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Breach by the beneficiary of internal regulations, including, in particular, those relating to risks.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Material restatement of the Group's consolidated financial statements, except when it is required pursuant to a change in accounting standards.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Significant changes in the Group&#x2019;s economic capital or risk profile&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:1pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;In the case of the seventh, eighth, ninth, tenth, eleventh, twelfth, thirteenth, fourteenth and fifteenth cycles, the accrual of deferred compensation is conditioned, in addition to the permanence of the beneficiary in the Group, with the exceptions contained in the plan's regulations, to non-occurrence of a poor performance of the entity as a whole or of a specific division or area of the entity or of the exposures generated by the personnel:&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;i.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:10.75pt"&gt;significant failures in risk management by the entity , or by a business unit or risk control unit.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;ii.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:9.1pt"&gt;the increase suffered by the entity or by a business unit of its capital needs, not foreseen at the time of generation of the exposures.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;iii.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.45pt"&gt;Regulatory sanctions or judicial sentences for events that could be attributable to the unit or the personnel responsible for those. Also, the breach of internal codes of conduct of the entity.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;iv.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.47pt"&gt;Irregular behaviours, whether individual or collective, considering in particular the negative effects derived from the marketing of inappropriate products and the responsibilities of the persons or bodies that made those decisions.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Fifth cycle (2015):&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Executive directors and members of the Identified Staff with total variable remuneration higher than 2.6 million euros: 40% paid immediately and 60% deferred over 5 years deferral period.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Division managers, country heads (of countries which represent at least 1% of Group's economic capital), other executives of the Group with a similar profile and members of the Identified Staff  with total variable remuneration between 1.7 million euros (1.8 million in fourth cycle) and 2.6 million euros: 50% paid immediately and 50% deferred over  5 years (fifth cycle)&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Other beneficiaries: 60% paid immediately and 40% deferred over 3 years.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Sixth cycle (2016):&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;60% of bonus will be paid immediately and 40%  deferred over a &lt;span style="-sec-ix-hidden:f-10867"&gt;three&lt;/span&gt; year period.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Seventh, eighth, ninth, tenth and eleventh cycle (2017, 2018, 2019, 2020 and 2021):&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Beneficiaries of these plans with target total variable remuneration higher or equal to 2.7 million euros: 40%  paid immediately and 60% deferred over 5 years&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Beneficiaries of these plans with target total variable remuneration between 1.7 million euros and 2.7 million euros: 50% paid immediately and 50%paid over 5 years&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Other beneficiaries of these plans: 60% paid immediately and 40% deferred over 3 years.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:10.91pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Twelfth (2022), thirteenth (2023),fourteenth (2024) and fifteenth (2025) cycle:&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Beneficiaries of these plans with target total variable remuneration higher or equal to 2.7 million euros: 40% paid immediately and 60% deferred over 5 years&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Beneficiaries of these plans with target total variable remuneration between 1.7 million euros and 2.7 million euros: 50% paid immediately and 50% paid over 5 years&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Other beneficiaries of these plans: 60% paid immediately and 40% deferred over 4 years.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:10.91pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:10.91pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;T&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:10.91pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:10.91pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.235%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Deferred variable remuneration systems&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Description and plan beneficiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Conditions&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Calculation Base&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(ii)Deferred Multiyear Objectives Variable Remuneration Plan (2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024 and 2025)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The aim is simplifying the remuneration structure, improving the ex ante risk adjustment and increasing the impact of the long-term objectives on the Group&#x2019;s most relevant roles. The purpose of these cycles is to defer a portion of the variable remuneration of the beneficiaries over a period of &lt;span style="-sec-ix-hidden:f-10914"&gt;three&lt;/span&gt; or five years (&lt;span style="-sec-ix-hidden:f-10916"&gt;four&lt;/span&gt; or five years for the seventh cycle) for it to be paid, where appropriate, in cash and in Santander shares; the other portion of the variable remuneration is also to be paid in cash and Santander shares (regarding the instruments part, executive directors in the seventh cycle have the opportunity to choose all in share options or half in share options and half in shares), upon commencement of the cycles, in accordance with the rules set forth below. The accrual of the last third of the deferral (in the case of 3 years deferral), the last 2 fourths (in the case of 4 years deferral) and the last three fifths (in the case of 5 years deferral) is also subject to long-term objectives.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:110%"&gt;Beneficiaries&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Executive directors, senior management and certain executives of the Group&#x2019;s first lines of responsibility.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;In 2016 the accrual is conditioned, in addition to the permanence of the beneficiary in the Group, with the exceptions contained in the plan&#x2019;s regulations, to non-occurrence of the following circumstances during the period prior to each of the deliveries in the terms set forth in each case in the plan&#x2019;s regulations: &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;i.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:10.75pt"&gt;Poor performance of the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;ii.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:9.1pt"&gt;Breach by the beneficiary of the internal regulations, including in particular that relating to risks.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;iii.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.45pt"&gt;Material restatement of the Group&#x2019;s consolidated financial statements, except when appropriate under a change in accounting regulations.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;iv.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.47pt"&gt;Significant changes in the Group&#x2019;s economic capital or risk profile. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;In 2017, 2018, 2019, 2020 and 2021 the accrual is conditioned, in addition to the beneficiary' permanence in the Group, with the exceptions contained in the plan&#x2019;s regulations, to the non-occurrence of poor financial performance from the entity as a whole or of a specific division or area thereof or of the exposures generated by the personnel, taking into account the following factors:&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;v.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:9.12pt"&gt;Significant failures in risk management committed by the entity, or by a business unit or risk control unit.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;vi.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:7.47pt"&gt;the increase suffered by the entity or by a business unit of its capital needs, not foreseen at the time of generation of the exposures.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;vii.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:5.82pt"&gt;Regulatory sanctions or court rulings for events that could be attributable to the unit or the  personnel responsible for those. Also, the breach  of internal codes of conduct of the entity.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;viii.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:4.17pt"&gt;Irregular behaviours, whether individual or collective, considering in particular negative effects derived from the marketing of inappropriate products and responsibilities of persons or bodies that made those decisions.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:3.83pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Paid half in cash and half in shares. In the seventh cycle, and only for executive directors: half in cash and 25% in share options and 25% in shares (unless the director chooses to receive options only). The maximum number of shares to be delivered is calculated by taking into account the weighted average daily volume of weighted average prices for the fifteen trading sessions prior to the previous Friday (excluding) on the date on which the board decides the bonus for the Executive directors of the Bank. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;In the eighth cycle, and for all Identified Staff: half in cash and 25% in shares and 25% in share options, or half in cash and half in shares, according to each executive&#xb4;s choice.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;In the ninth and tenth cycle, half in cash and  half in shares.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;First cycle (2016): &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Executive directors and members of the Identified Staff with total variable remuneration higher than or equal to 2.7 million euros: 40% paid immediately and 60% deferred over a 5  year period. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Senior managers, country heads of countries representing at least 1% of the Group&#xb4;s capital and other members of the identified staff whose total variable remuneration is between 1.7 million and 2.7 million euros: 50% paid immediately and 50% deferred over a 5 year period. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Other beneficiaries: 60% paid immediately and 40% deferred over a 3 year period. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The second, third, fourth, fifth and sixth cycles (2017, 2018, 2019,2020 and 2021 respectively) are under the aforementioned deferral rules, except that the  variable remuneration considered is the target for each executive and not the actual award. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;In 2016 the metrics for the deferred portion subject to long-term objectives (last third or last three fifths, respectively, for the cases of three years and five years deferrals) are: &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Earnings per share (EPS) growth in 2018 over 2015. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Relative Total Shareholder Return (TSR) in the 2016-2018 period measured against a group of credit institutions. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Compliance with the fully-loaded common equity tier 1 ('CET1') ratio target for financial year 2018. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Compliance with Grupo Santander&#x2019;s underlying return on risk-weighted assets ('RoRWA') growth target for financial year 2018 compared to financial year 2015. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;In the second, third, fourth, fifth and sixth cycle (2017, 2018, 2019, 2020 and 2021) the metrics for the deferred portion subject to long-term objectives (last third or last three fifths, respectively, for the cases of three years and five years deferrals) are: &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;EPS growth in 2019, 2020, 2021, 2022 and 2023 (over 2016, 2017, 2018, 2019 and 2020, for each respective cycle)&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Relative Total Shareholder Return (TSR) measured against a group of 17 credit institutions (second and third cycles) in the periods 2017-2019 and 2018-2019, respectively, and against a group of 9 entities (fourth, fifth and sixth cycle) for the 2019-2021, 2020-2022 and 2010-2023  period. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Compliance with the fully-loaded common equity tier 1 ('CET1') ratio target for financial years 2019, 2020, 2021,2022 and 2023, respectively. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;In the seventh (2022), eighth cycle (2023), ninth (2025) and tenth cycle (2025), the metrics for the deferred portion subject to long-term objectives (two last fourths and last three fifths, for the cases of four years and five years deferrals) are:&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Banco Santander's consolidated Return on tangible equity (RoTE) target in 2024 (7th cycle),  2025 (8th cycle), 2026 (9th cycle) and 2027 (10th cycle).&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Relative Total Shareholder Return (TSR) measured against a group of 9 credit institutions for the period 2022-2024 (7th cycle), 2023-2025 (8th cycle), 2024-2026 (9th cycle) and 2025-2027 (10th cycle).&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%;padding-left:3.85pt"&gt;Progress level  in the  public targets of our Sustainability agenda.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.235%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Deferred variable remuneration systems&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Description and plan beneficiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Conditions&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Calculation Base&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(iii) Digital Transformation Award (2019, 2020 and 2021)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The 2019, 2020 and 2021 Digital Transformation Incentive (the 'Digital Incentive') is a variable remuneration system that includes the delivery of Santander shares and share options.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The aim of the Digital Incentive is to attract and retain the critical skill sets to support and accelerate the digital transformation of the Group. By means of this program, the Group offers a remuneration element which is competitive with the remuneration systems offered  by other market operators who also compete for digital talent.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The number of beneficiaries is limited to a maximum of 250 employees and the total amount of the incentive is limited to 30 million euros.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The funding of this incentive is subject to meeting important milestones that are aligned with the Group&#xb4;s digital roadmap and have been approved by the board of directors, taking into account the digitalization strategy of the Group, with the aim of becoming the best open, responsible global financial services platform.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Performance of 2019 incentive was measured based on achievement of the following milestones: (i) Launch of a Global Trade Services (GTS) platform; (ii) launch of a Global Merchant Services (GMS) platform; (iii) migration of our fully digital bank, OpenBank, to a 'next generation' platform and launch in 3 markets; (iv) extension of SuperDigital in Brazil to at least one other country; (v) and launch of our international payments app based on blockchain Pago FX to non-Santander customers.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The milestones for the 2020 Digital Transformation Award were: (i) rolling out the global merchant services (GMS) platform in 3 new geographies, enhancing the platform functionality and achieving volume targets for transactions and participating merchants; (ii) doing the commercial rollout of the global trade services (GTS) platform in 8 new geographies, enhancing platform functionality, and achieving  volume targets for on-boarded clients and monthly active users; (iii) launching OpenBank in a new market and migrating the retail banking infrastructure to 'new-mode' bank; (iv) launch the global platform SuperDigital in at least 4 countries, driving target active user growth; (v) deploying machine learning across pre-defined markets for 4 priority use cases, rolling out Conversion Rate Optimization (Digital marketing) for at least 40 sales programs, delivering profit targets, and driving reduction of agent handled calls in contact centers; (vi) successfully implementing initiatives related to on-board and identity services, common API (application programming interface) layer, payment hubs, mobile app for SMEs and virtual assistant services; and (vii) launching the PagoFX global platform in at least 4 countries.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The milestones for 2021 were: (i)in relation to Pago Nxt Consumer payment platform: implementation of Superdigital platform in seven countries, acquisition of over 1.5 million active customer base and accelerating growth through B2B (business to business) and B2B2C (business to business to customer) partnerships, acquiring more than 50% of the new customers through these channels, which are more cost-effective; (ii)in relation to Digital Consumer Bank: launching online API for checkout lending in the European Union and completion of controllable items for Openbank launch in USA; (iii)in relation to One Santander strategy: implementation in Europe of One Common Mobile Experience and, specifically, implementation of Europe ONE app for individual customers in at least three of the four countries by December 2021; and be among the three-top rated entities in terms of Mobile NetPromoter Score (Mobile NPS) in at least two of the four countries by December 2021; (iv) In relation to cloud adoption: host 75% of migratable virtual machines on cloud technology (either public cloud or OHE) by December 2021. For these purposes, mainframes, physical servers and servers with non-x86 operating systems will be considered non-migratable. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The Digital Incentive is structured 50% in Santander shares and 50% in options over Santander shares, taking into account the fair value of the option at the moment in which they are granted. For Material Risk Takers subject to five years deferrals, the Digital Incentive (shares and options over shares) shall be delivered in thirds, on the third, fourth and fifth anniversary from their granting. For Material Risk Takers subject to three years deferrals and employees not subject to deferrals, delivery shall be done on the third anniversary from their granting.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Any delivery of shares, either directly or via exercise of options overs shares, will be subject generally to the Group&#x2019;s general &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:110%"&gt;malus&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt; &amp;amp; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:110%"&gt;clawback&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt; provisions as described in the Group&#x2019;s remuneration policy and to the continuity of the beneficiary within the Grupo Santander. In this regard, the board may define specific rules for non-Identified Staff.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Vested share options can be exercised until maturity, with all options lapsing after ten years (for granting the 2019 incentive) and eight years (for granting the 2020 and 2021 incentive).&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The total achievement for 2021 Digital Incentive was 77.5% (85% en 2020 and 83% en 2019).&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.605%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Deferred variable remuneration systems&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Description and plan beneficiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Conditions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Calculation base&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(iv) Digital Transformation Award (2022)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The board of directors approved the 2022 Digital&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Transformation Incentive. It is a variable remuneration scheme&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;splits in two different blocks:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022; The first one, with the same mechanism than previous years,&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;that delivers Santander shares and share options if the group hits major milestones on its digital roadmap. This is aimed at a group of up to 250 (is limited to 30 million euros)employees whose functions are deemed essential to Santander&#x2019;s growth.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;&#x2022; And the second one, which delivers PagoNxt, S.L. RSUs and premium prices options (PPOs), and is aimed at up to 50&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;employees (and limited to 15 million euros) whose roles are considered key to PagoNxt&#x2019;s success.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The aim of the Digital Incentive is to attract and retain the critical skill sets to support and accelerate the digital transformation of the Group. By means of this program, the Group offers a remuneration element which is competitive with the remuneration systems offered  by other market operators who also compete for digital talent.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Performance of the first block of the  incentive shall be measured based on achievement of the following milestones:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;i. Edelweiss: Our Santander future retail architecture EDELWEISS will mean moving from our current Core centric banking architecture towards a Customer and Data-Centric Core supported by lean Record Processing engines. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;ii. Simplification: Speed up the simplification of our technology platform and business model by Reducing the total number of applications in production and reducing number of products in the regions.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;iii. Agile: Agile ways of working enable a better and faster reaction to customers&#x2019; needs and is based on a value-driven delivery that increases efficiency by reducing time-to-market and development costs, and increasing quality. People working in Agile are more collaborative, engaged, empowered and creative. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;iv. In Digital Consumer Bank:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;a) To create the BNPL platform connected to at least one merchant in Netherlands and Germany, and to make sure the platform is ready to connect in Spain.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;b) To support the definition of Openbank US&#x2019;s IT digital strategy and achieve 2022 milestones in it.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;c) To have the new leasing platform connected to dealers in Italy.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;d) To expand the Wabi B2B online business to Germany. To execute the first B2B deal with an Original Equipment Manufacturer or mobility player in at least one country. To expand coches.com business and platform to Portugal.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;And in regard to the second block of digital incentive: the consolidation of PagoNxt Core Perimeter.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The first block of thee Digital Incentive is structured 50% in Santander shares and 50% in options over Santander shares, taking into account the fair value of the option at the moment in which they are granted. For Material Risk Takers subject to five years deferrals, the Digital Incentive (shares and options over shares) shall be delivered in thirds, on the third, fourth and fifth anniversary from their granting. For Material Risk Takers subject to three years deferrals and employees not subject to deferrals, delivery shall be done on the third anniversary from their granting.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Any delivery of shares, either directly or via exercise of options overs shares, will be subject generally to the Group&#x2019;s general &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:110%"&gt;malus&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt; &amp;amp; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:110%"&gt;clawback&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt; provisions as described in the Group&#x2019;s remuneration policy and to the continuity of the beneficiary within the Grupo Santander. In this regard, the board may define specific rules for non-Identified Staff.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Vested share options can be exercised until maturity, with all options lapsing after ten years.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The total achievement for 2022 Digital Incentive was 96.5%.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The second block of Digital Incentive is structures in restricted stock units (RSUs) and premium priced Options (PPOs) of PagoNxt S.L. in a percentage determined by the internal category of the beneficiary. The total achievement for 2022 was 100%.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.605%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Deferred variable remuneration systems&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Description and plan beneficiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Conditions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Calculation base&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(v) Digital Transformation Award (2023)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The board of directors approved the 2023 Digital&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;Transformation Incentive. It is a variable remuneration scheme  which delivers PagoNxt, S.L. RSUs and premium prices options (PPOs), and is aimed at up to 50&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;employees (and limited to 15 million euros) whose roles are considered key to PagoNxt&#x2019;s success.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;With this program, the Group offers a remuneration element which is competitive with the remuneration systems offered  by other market operators who also compete for digital talent.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;And the performance conditions were focus on key digital projects related with PagoNxt's main businesses (Trade, Merchant and Payments) in its core geographies.&lt;br/&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;This incentive  is structures in restricted stock units (RSUs) and premium priced Options (PPOs) of PagoNxt S.L. in a percentage determined by the internal category of the beneficiary. The average achievement for 2023 was 88%.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.605%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Deferred variable remuneration systems&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;padding-right:4.5pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Description and plan beneficiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Conditions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Calculation base&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(vi) PagoNxt incentive Plan 2024 and 2025 for Santander executives)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;The board of directors approved the PagoNxt incentive Plan 2024 and 2025 Incentive. It is a variable remuneration scheme  which delivers PagoNxt, S.L. RSUs, and is aimed at approximately  to 50 - 60 employees whose roles are considered key to PagoNxt&#x2019;s success.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;With this program, the Group offers a remuneration element which is competitive with the remuneration systems offered  by other market operators who also compete for digital talent.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;And the performance conditions were focus on key digital projects related with PagoNxt's main businesses (Trade, Merchant and Payments) in its core geographies.&lt;br/&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:110%"&gt;This incentive  is structures in restricted stock units (RSUs) of PagoNxt S.L. in a percentage determined by the internal category of the beneficiary. The average achievement for 2024 was 77% and 85% in 2025.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfTermsAndConditionsOfDeferredVariableRemunerationPlansTableTextBlock>
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      decimals="-5"
      id="f-10851"
      unitRef="eur">2600000</san:GeneralThresholdOfVariableRemunerationInWhichDeferred>
    <san:VariableRemunerationImmediatePaymentPercentage
      contextRef="c-4675"
      decimals="2"
      id="f-10852"
      unitRef="number">0.40</san:VariableRemunerationImmediatePaymentPercentage>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-4675"
      decimals="2"
      id="f-10853"
      unitRef="number">0.60</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4674" id="f-10854">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationMinimumGroupsEconomicCapital contextRef="c-1" decimals="4" id="f-10855" unitRef="number">0.01</san:VariableRemunerationMinimumGroupsEconomicCapital>
    <san:GeneralThresholdOfVariableRemunerationInWhichDeferred
      contextRef="c-4676"
      decimals="-5"
      id="f-10856"
      unitRef="eur">1700000</san:GeneralThresholdOfVariableRemunerationInWhichDeferred>
    <san:GeneralThresholdOfVariableRemunerationInWhichDeferred
      contextRef="c-4677"
      decimals="-5"
      id="f-10857"
      unitRef="eur">1800000</san:GeneralThresholdOfVariableRemunerationInWhichDeferred>
    <san:GeneralThresholdOfVariableRemunerationInWhichDeferred
      contextRef="c-4678"
      decimals="-5"
      id="f-10858"
      unitRef="eur">2600000</san:GeneralThresholdOfVariableRemunerationInWhichDeferred>
    <san:VariableRemunerationImmediatePaymentPercentage
      contextRef="c-4679"
      decimals="2"
      id="f-10859"
      unitRef="number">0.50</san:VariableRemunerationImmediatePaymentPercentage>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-4679"
      decimals="INF"
      id="f-10860"
      unitRef="number">0.50</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4680" id="f-10861">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationImmediatePaymentPercentage
      contextRef="c-4681"
      decimals="INF"
      id="f-10862"
      unitRef="number">0.60</san:VariableRemunerationImmediatePaymentPercentage>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-4681"
      decimals="2"
      id="f-10863"
      unitRef="number">0.40</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4681" id="f-10864">P3Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationImmediatePaymentPercentage
      contextRef="c-4669"
      decimals="INF"
      id="f-10865"
      unitRef="number">0.60</san:VariableRemunerationImmediatePaymentPercentage>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-4669"
      decimals="INF"
      id="f-10866"
      unitRef="number">0.40</san:VariableRemunerationDeferredPercentage>
    <san:GeneralThresholdOfVariableRemunerationInWhichDeferred
      contextRef="c-4682"
      decimals="-5"
      id="f-10868"
      unitRef="eur">2700000</san:GeneralThresholdOfVariableRemunerationInWhichDeferred>
    <san:VariableRemunerationImmediatePaymentPercentage
      contextRef="c-4682"
      decimals="INF"
      id="f-10869"
      unitRef="number">0.40</san:VariableRemunerationImmediatePaymentPercentage>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-4682"
      decimals="INF"
      id="f-10870"
      unitRef="number">0.60</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4682" id="f-10871">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:GeneralThresholdOfVariableRemunerationInWhichDeferred
      contextRef="c-4683"
      decimals="-5"
      id="f-10872"
      unitRef="eur">1700000</san:GeneralThresholdOfVariableRemunerationInWhichDeferred>
    <san:GeneralThresholdOfVariableRemunerationInWhichDeferred
      contextRef="c-4684"
      decimals="-5"
      id="f-10873"
      unitRef="eur">2700000</san:GeneralThresholdOfVariableRemunerationInWhichDeferred>
    <san:VariableRemunerationImmediatePaymentPercentage
      contextRef="c-4685"
      decimals="INF"
      id="f-10874"
      unitRef="number">0.50</san:VariableRemunerationImmediatePaymentPercentage>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4685" id="f-10875">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-4686"
      decimals="2"
      id="f-10876"
      unitRef="number">0.40</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4686" id="f-10877">P3Y</san:VariableRemunerationDeferralPeriod>
    <san:GeneralThresholdOfVariableRemunerationInWhichDeferred
      contextRef="c-4687"
      decimals="-5"
      id="f-10878"
      unitRef="eur">2700000</san:GeneralThresholdOfVariableRemunerationInWhichDeferred>
    <san:GeneralThresholdOfVariableRemunerationInWhichDeferred
      contextRef="c-4688"
      decimals="-5"
      id="f-10879"
      unitRef="eur">2700000</san:GeneralThresholdOfVariableRemunerationInWhichDeferred>
    <san:GeneralThresholdOfVariableRemunerationInWhichDeferred
      contextRef="c-4689"
      decimals="-5"
      id="f-10880"
      unitRef="eur">2700000</san:GeneralThresholdOfVariableRemunerationInWhichDeferred>
    <san:VariableRemunerationImmediatePaymentPercentage
      contextRef="c-4687"
      decimals="INF"
      id="f-10881"
      unitRef="number">0.40</san:VariableRemunerationImmediatePaymentPercentage>
    <san:VariableRemunerationImmediatePaymentPercentage
      contextRef="c-4688"
      decimals="INF"
      id="f-10882"
      unitRef="number">0.40</san:VariableRemunerationImmediatePaymentPercentage>
    <san:VariableRemunerationImmediatePaymentPercentage
      contextRef="c-4689"
      decimals="INF"
      id="f-10883"
      unitRef="number">0.40</san:VariableRemunerationImmediatePaymentPercentage>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-4689"
      decimals="INF"
      id="f-10884"
      unitRef="number">0.60</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-4688"
      decimals="INF"
      id="f-10885"
      unitRef="number">0.60</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-4687"
      decimals="INF"
      id="f-10886"
      unitRef="number">0.60</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4687" id="f-10887">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4689" id="f-10888">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4688" id="f-10889">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:GeneralThresholdOfVariableRemunerationInWhichDeferred
      contextRef="c-4690"
      decimals="-5"
      id="f-10890"
      unitRef="eur">1700000</san:GeneralThresholdOfVariableRemunerationInWhichDeferred>
    <san:GeneralThresholdOfVariableRemunerationInWhichDeferred
      contextRef="c-4691"
      decimals="-5"
      id="f-10891"
      unitRef="eur">1700000</san:GeneralThresholdOfVariableRemunerationInWhichDeferred>
    <san:GeneralThresholdOfVariableRemunerationInWhichDeferred
      contextRef="c-4692"
      decimals="-5"
      id="f-10892"
      unitRef="eur">1700000</san:GeneralThresholdOfVariableRemunerationInWhichDeferred>
    <san:GeneralThresholdOfVariableRemunerationInWhichDeferred
      contextRef="c-4693"
      decimals="-5"
      id="f-10893"
      unitRef="eur">2700000</san:GeneralThresholdOfVariableRemunerationInWhichDeferred>
    <san:GeneralThresholdOfVariableRemunerationInWhichDeferred
      contextRef="c-4694"
      decimals="-5"
      id="f-10894"
      unitRef="eur">2700000</san:GeneralThresholdOfVariableRemunerationInWhichDeferred>
    <san:GeneralThresholdOfVariableRemunerationInWhichDeferred
      contextRef="c-4695"
      decimals="-5"
      id="f-10895"
      unitRef="eur">2700000</san:GeneralThresholdOfVariableRemunerationInWhichDeferred>
    <san:VariableRemunerationImmediatePaymentPercentage
      contextRef="c-4696"
      decimals="2"
      id="f-10896"
      unitRef="number">0.50</san:VariableRemunerationImmediatePaymentPercentage>
    <san:VariableRemunerationImmediatePaymentPercentage
      contextRef="c-4697"
      decimals="2"
      id="f-10897"
      unitRef="number">0.50</san:VariableRemunerationImmediatePaymentPercentage>
    <san:VariableRemunerationImmediatePaymentPercentage
      contextRef="c-4698"
      decimals="2"
      id="f-10898"
      unitRef="number">0.50</san:VariableRemunerationImmediatePaymentPercentage>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-4698"
      decimals="2"
      id="f-10899"
      unitRef="number">0.50</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-4697"
      decimals="2"
      id="f-10900"
      unitRef="number">0.50</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-4696"
      decimals="2"
      id="f-10901"
      unitRef="number">0.50</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4696" id="f-10902">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4698" id="f-10903">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4697" id="f-10904">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationImmediatePaymentPercentage
      contextRef="c-4699"
      decimals="2"
      id="f-10905"
      unitRef="number">0.60</san:VariableRemunerationImmediatePaymentPercentage>
    <san:VariableRemunerationImmediatePaymentPercentage
      contextRef="c-4700"
      decimals="2"
      id="f-10906"
      unitRef="number">0.60</san:VariableRemunerationImmediatePaymentPercentage>
    <san:VariableRemunerationImmediatePaymentPercentage
      contextRef="c-4701"
      decimals="2"
      id="f-10907"
      unitRef="number">0.60</san:VariableRemunerationImmediatePaymentPercentage>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-4699"
      decimals="2"
      id="f-10908"
      unitRef="number">0.40</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-4700"
      decimals="2"
      id="f-10909"
      unitRef="number">0.40</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-4701"
      decimals="2"
      id="f-10910"
      unitRef="number">0.40</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4701" id="f-10911">P4Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4700" id="f-10912">P4Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4699" id="f-10913">P4Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4703" id="f-10915">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4705" id="f-10917">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4706" id="f-10918">P3Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4707" id="f-10919">P4Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4708" id="f-10920">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferredPaymentPercentagePaidInShareOptions
      contextRef="c-4709"
      decimals="INF"
      id="f-10921"
      unitRef="number">0.25</san:VariableRemunerationDeferredPaymentPercentagePaidInShareOptions>
    <san:VariableRemunerationDeferredPaymentPercentagePaidInShares
      contextRef="c-4709"
      decimals="INF"
      id="f-10922"
      unitRef="number">0.25</san:VariableRemunerationDeferredPaymentPercentagePaidInShares>
    <san:VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions
      contextRef="c-408"
      decimals="INF"
      id="f-10923"
      unitRef="trading_session">15</san:VariableRemunerationWeightedAverageSharePricesNumberOfTradingSessions>
    <san:VariableRemunerationDeferredPaymentPercentagePaidInShareOptions
      contextRef="c-4710"
      decimals="INF"
      id="f-10924"
      unitRef="number">0.25</san:VariableRemunerationDeferredPaymentPercentagePaidInShareOptions>
    <san:VariableRemunerationDeferredPaymentPercentagePaidInShares
      contextRef="c-4710"
      decimals="INF"
      id="f-10925"
      unitRef="number">0.25</san:VariableRemunerationDeferredPaymentPercentagePaidInShares>
    <san:GeneralThresholdOfVariableRemunerationInWhichDeferred
      contextRef="c-4711"
      decimals="-5"
      id="f-10926"
      unitRef="eur">2700000</san:GeneralThresholdOfVariableRemunerationInWhichDeferred>
    <san:VariableRemunerationImmediatePaymentPercentage
      contextRef="c-4711"
      decimals="2"
      id="f-10927"
      unitRef="number">0.40</san:VariableRemunerationImmediatePaymentPercentage>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-4711"
      decimals="2"
      id="f-10928"
      unitRef="number">0.60</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4711" id="f-10929">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:PercentageOfEntityEconomicCapital
      contextRef="c-4712"
      decimals="INF"
      id="f-10930"
      unitRef="number">0.01</san:PercentageOfEntityEconomicCapital>
    <san:GeneralThresholdOfVariableRemunerationInWhichDeferred
      contextRef="c-4713"
      decimals="-5"
      id="f-10931"
      unitRef="eur">1700000</san:GeneralThresholdOfVariableRemunerationInWhichDeferred>
    <san:GeneralThresholdOfVariableRemunerationInWhichDeferred
      contextRef="c-4714"
      decimals="-5"
      id="f-10932"
      unitRef="eur">2700000</san:GeneralThresholdOfVariableRemunerationInWhichDeferred>
    <san:VariableRemunerationImmediatePaymentPercentage
      contextRef="c-4712"
      decimals="INF"
      id="f-10933"
      unitRef="number">0.50</san:VariableRemunerationImmediatePaymentPercentage>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-4712"
      decimals="2"
      id="f-10934"
      unitRef="number">0.50</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4712" id="f-10935">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationImmediatePaymentPercentage
      contextRef="c-4715"
      decimals="INF"
      id="f-10936"
      unitRef="number">0.60</san:VariableRemunerationImmediatePaymentPercentage>
    <san:VariableRemunerationDeferredPercentage
      contextRef="c-4715"
      decimals="2"
      id="f-10937"
      unitRef="number">0.40</san:VariableRemunerationDeferredPercentage>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4715" id="f-10938">P3Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4702" id="f-10939">P3Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4703" id="f-10940">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4702" id="f-10941">P3Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4703" id="f-10942">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:NumberOfCreditInstitutionsIncludedInReferenceGroup
      contextRef="c-4716"
      decimals="INF"
      id="f-10943"
      unitRef="companies">17</san:NumberOfCreditInstitutionsIncludedInReferenceGroup>
    <san:NumberOfCreditInstitutionsIncludedInReferenceGroup
      contextRef="c-4717"
      decimals="INF"
      id="f-10944"
      unitRef="companies">9</san:NumberOfCreditInstitutionsIncludedInReferenceGroup>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4718" id="f-10945">P4Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4719" id="f-10946">P4Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4720" id="f-10947">P4Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4704" id="f-10948">P4Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4721" id="f-10949">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4722" id="f-10950">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4705" id="f-10951">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4723" id="f-10952">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:NumberOfCreditInstitutionsIncludedInReferenceGroup
      contextRef="c-4724"
      decimals="INF"
      id="f-10953"
      unitRef="companies">9</san:NumberOfCreditInstitutionsIncludedInReferenceGroup>
    <san:NumberOfCreditInstitutionsIncludedInReferenceGroup
      contextRef="c-4725"
      decimals="INF"
      id="f-10954"
      unitRef="companies">9</san:NumberOfCreditInstitutionsIncludedInReferenceGroup>
    <san:NumberOfCreditInstitutionsIncludedInReferenceGroup
      contextRef="c-4726"
      decimals="INF"
      id="f-10955"
      unitRef="companies">9</san:NumberOfCreditInstitutionsIncludedInReferenceGroup>
    <san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries
      contextRef="c-4727"
      decimals="INF"
      id="f-10956"
      unitRef="people">250</san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries>
    <san:DeferredVariableRemunerationMaximumTotalAmountOfIncentive
      contextRef="c-4727"
      decimals="-6"
      id="f-10957"
      unitRef="eur">30000000</san:DeferredVariableRemunerationMaximumTotalAmountOfIncentive>
    <san:DeferredVariableRemunerationMilestoneMigrationOfOpenBankAndLaunchNumberOfMarkets
      contextRef="c-4727"
      decimals="INF"
      id="f-10958"
      unitRef="market">3</san:DeferredVariableRemunerationMilestoneMigrationOfOpenBankAndLaunchNumberOfMarkets>
    <san:DeferredVariableRemunerationMilestoneMinimumNumberOfCountriesWithSuperDigitalExcludingBrazil
      contextRef="c-4727"
      decimals="INF"
      id="f-10959"
      unitRef="country">1</san:DeferredVariableRemunerationMilestoneMinimumNumberOfCountriesWithSuperDigitalExcludingBrazil>
    <san:DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalMerchantServicesPlatform
      contextRef="c-4728"
      decimals="INF"
      id="f-10960"
      unitRef="geographies">3</san:DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalMerchantServicesPlatform>
    <san:DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalTradeServicesPlatform
      contextRef="c-4728"
      decimals="INF"
      id="f-10961"
      unitRef="geographies">8</san:DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalTradeServicesPlatform>
    <san:DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalPlatformSuperDigital
      contextRef="c-4728"
      decimals="INF"
      id="f-10962"
      unitRef="country">4</san:DeferredVariableRemunerationMilestoneNumberOfGeographiesWithGlobalPlatformSuperDigital>
    <san:DeferredVariableRemunerationMilestoneNumberOfPriorityUseCasesWithMachineLearningDeployment
      contextRef="c-4728"
      decimals="INF"
      id="f-10963"
      unitRef="case">4</san:DeferredVariableRemunerationMilestoneNumberOfPriorityUseCasesWithMachineLearningDeployment>
    <san:DeferredVariableRemunerationMilestoneNumberOfSalesProgramsWithConversionRateOptimizationRollOut
      contextRef="c-4728"
      decimals="INF"
      id="f-10964"
      unitRef="salesprogram">40</san:DeferredVariableRemunerationMilestoneNumberOfSalesProgramsWithConversionRateOptimizationRollOut>
    <san:DeferredVariableRemunerationMilestoneNumberOfCountriesWithPagoFXGlobalPlatform
      contextRef="c-4728"
      decimals="INF"
      id="f-10965"
      unitRef="country">4</san:DeferredVariableRemunerationMilestoneNumberOfCountriesWithPagoFXGlobalPlatform>
    <san:DeferredVariableRemunerationMilestonePagoNxtNumberOfCountriesWithSuperdigitalImplemented
      contextRef="c-4729"
      decimals="INF"
      id="f-10966"
      unitRef="country">7</san:DeferredVariableRemunerationMilestonePagoNxtNumberOfCountriesWithSuperdigitalImplemented>
    <san:DeferredVariableRemunerationMilestonePagoNxtNumberOfActiveCustomers
      contextRef="c-4729"
      decimals="-5"
      id="f-10967"
      unitRef="customer">1500000</san:DeferredVariableRemunerationMilestonePagoNxtNumberOfActiveCustomers>
    <san:DeferredVariableRemunerationMilestonePagoNxtNumberOfCustomersAcquiredPercentage
      contextRef="c-4729"
      decimals="2"
      id="f-10968"
      unitRef="number">0.50</san:DeferredVariableRemunerationMilestonePagoNxtNumberOfCustomersAcquiredPercentage>
    <san:DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumNumberOfActiveCountries
      contextRef="c-4729"
      decimals="INF"
      id="f-10969"
      unitRef="country">3</san:DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumNumberOfActiveCountries>
    <san:DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMaximumNumberOfActiveCountries
      contextRef="c-4729"
      decimals="INF"
      id="f-10970"
      unitRef="country">4</san:DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMaximumNumberOfActiveCountries>
    <san:DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMinimumNumberOfCountries
      contextRef="c-4729"
      decimals="INF"
      id="f-10971"
      unitRef="country">2</san:DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMinimumNumberOfCountries>
    <san:DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMaximumNumberOfCountries
      contextRef="c-4729"
      decimals="INF"
      id="f-10972"
      unitRef="country">4</san:DeferredVariableRemunerationMilestoneOneCommonMobileExperienceTopRatedEntitiesMobileNetPromoterMaximumNumberOfCountries>
    <san:DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumMigratableVirtualMachinesOnCloudTechnologyPercentage
      contextRef="c-4729"
      decimals="2"
      id="f-10973"
      unitRef="number">0.75</san:DeferredVariableRemunerationMilestoneOneCommonMobileExperienceMinimumMigratableVirtualMachinesOnCloudTechnologyPercentage>
    <san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares
      contextRef="c-4727"
      decimals="2"
      id="f-10974"
      unitRef="number">0.50</san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares>
    <san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares
      contextRef="c-4727"
      decimals="2"
      id="f-10975"
      unitRef="number">0.50</san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4730" id="f-10976">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4731" id="f-10977">P3Y</san:VariableRemunerationDeferralPeriod>
    <san:DeferredVariableRemunerationOptionsVestingPeriod contextRef="c-4727" id="f-10978">P10Y</san:DeferredVariableRemunerationOptionsVestingPeriod>
    <san:DeferredVariableRemunerationOptionsVestingPeriod contextRef="c-4732" id="f-10979">P8Y</san:DeferredVariableRemunerationOptionsVestingPeriod>
    <san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement
      contextRef="c-4733"
      decimals="3"
      id="f-10980"
      unitRef="number">0.775</san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement>
    <san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement
      contextRef="c-4734"
      decimals="2"
      id="f-10981"
      unitRef="number">0.85</san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement>
    <san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement
      contextRef="c-4735"
      decimals="2"
      id="f-10982"
      unitRef="number">0.83</san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement>
    <san:DeferredVariableRemunerationNumberOfDifferentBlocks
      contextRef="c-4736"
      decimals="INF"
      id="f-10983"
      unitRef="block">2</san:DeferredVariableRemunerationNumberOfDifferentBlocks>
    <san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries
      contextRef="c-4737"
      decimals="INF"
      id="f-10984"
      unitRef="people">250</san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries>
    <san:DeferredVariableRemunerationMaximumTotalAmountOfIncentive
      contextRef="c-4737"
      decimals="-6"
      id="f-10985"
      unitRef="eur">30000000</san:DeferredVariableRemunerationMaximumTotalAmountOfIncentive>
    <san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries
      contextRef="c-4736"
      decimals="INF"
      id="f-10986"
      unitRef="people">50</san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries>
    <san:DeferredVariableRemunerationMaximumTotalAmountOfIncentive
      contextRef="c-4736"
      decimals="-6"
      id="f-10987"
      unitRef="eur">15000000</san:DeferredVariableRemunerationMaximumTotalAmountOfIncentive>
    <san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares
      contextRef="c-4737"
      decimals="2"
      id="f-10988"
      unitRef="number">0.50</san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInShares>
    <san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares
      contextRef="c-4737"
      decimals="2"
      id="f-10989"
      unitRef="number">0.50</san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfTotalAwardedInOptionsOverShares>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4738" id="f-10990">P5Y</san:VariableRemunerationDeferralPeriod>
    <san:VariableRemunerationDeferralPeriod contextRef="c-4739" id="f-10991">P3Y</san:VariableRemunerationDeferralPeriod>
    <san:DeferredVariableRemunerationOptionsVestingPeriod contextRef="c-4737" id="f-10992">P10Y</san:DeferredVariableRemunerationOptionsVestingPeriod>
    <san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement
      contextRef="c-4737"
      decimals="3"
      id="f-10993"
      unitRef="number">0.965</san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement>
    <san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement
      contextRef="c-4740"
      decimals="2"
      id="f-10994"
      unitRef="number">1</san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement>
    <san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries
      contextRef="c-4741"
      decimals="INF"
      id="f-10995"
      unitRef="people">50</san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries>
    <san:DeferredVariableRemunerationMaximumTotalAmountOfIncentive
      contextRef="c-4741"
      decimals="-6"
      id="f-10996"
      unitRef="eur">15000000</san:DeferredVariableRemunerationMaximumTotalAmountOfIncentive>
    <san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement
      contextRef="c-4742"
      decimals="2"
      id="f-10997"
      unitRef="number">0.88</san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement>
    <san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries
      contextRef="c-4743"
      decimals="INF"
      id="f-10998"
      unitRef="people">50</san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries>
    <san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries
      contextRef="c-4744"
      decimals="INF"
      id="f-10999"
      unitRef="people">50</san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries>
    <san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries
      contextRef="c-4745"
      decimals="INF"
      id="f-11000"
      unitRef="people">60</san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries>
    <san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries
      contextRef="c-4746"
      decimals="INF"
      id="f-11001"
      unitRef="people">60</san:DeferredVariableRemunerationMaximumNumberOfBeneficiaries>
    <san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement
      contextRef="c-4747"
      decimals="2"
      id="f-11002"
      unitRef="number">0.77</san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement>
    <san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement
      contextRef="c-4748"
      decimals="2"
      id="f-11003"
      unitRef="number">0.85</san:KeyManagementPersonnelCompensationLongTermAndDeferredCompensationPercentOfAchievement>
    <ifrs-full:DisclosureOfNumberAndWeightedAverageExercisePricesOfShareOptionsExplanatory contextRef="c-1" id="f-11004">&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The long-term incentive plans on shares of the Bank granted by management of Santander UK plc to its employees are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.348%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Number of shares (in thousand)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Exercise price&#160;in pounds sterling&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Year granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Employee group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Number of persons&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Date of commencement of&#160;exercise period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Date of expiry of exercise period&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Plans outstanding at 01/01/2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;29,988&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Options granted (sharesave)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.78&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Employees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,752&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;01/11/23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;01/11/26&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;01/11/23&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;01/11/28&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Options exercised&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,980)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Options cancelled (net) or not exercised&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,044)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Plans outstanding at 31/12/2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;27,139&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Options granted (sharesave)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,991&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Employees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;01/11/24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;01/11/27&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;01/11/24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;01/11/29&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Options exercised&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,004)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Options cancelled (net) or not exercised&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,437)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Plans outstanding at 31/12/2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;25,689&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Options granted (sharesave)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,324&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Employees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,637&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;01/11/25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;01/11/28&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Options exercised&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9,966)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Options cancelled (net) or not exercised&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,554)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.88&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Plans outstanding at 31/12/2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,493&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;At  31 December,&#160;2025, 2024 and 2023, the euro/pound sterling exchange rate was 1.15, 1.21 and 1.15 , respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:12pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Number of accounts/contracts. A single employee may have more than one account/contract.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfNumberAndWeightedAverageExercisePricesOfShareOptionsExplanatory>
    <ifrs-full:NumberOfOutstandingShareOptions
      contextRef="c-4749"
      decimals="-3"
      id="f-11005"
      unitRef="shares">29988000</ifrs-full:NumberOfOutstandingShareOptions>
    <ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement
      contextRef="c-4750"
      decimals="-3"
      id="f-11006"
      unitRef="shares">7175000</ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement>
    <ifrs-full:WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019
      contextRef="c-4750"
      decimals="2"
      id="f-11007"
      unitRef="gbpPerShare">2.78</ifrs-full:WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019>
    <ifrs-full:NumberOfParticipantsOfRetirementBenefitPlanReceivingBenefits
      contextRef="c-4750"
      decimals="INF"
      id="f-11008"
      unitRef="people">4752</ifrs-full:NumberOfParticipantsOfRetirementBenefitPlanReceivingBenefits>
    <ifrs-full:NumberOfShareOptionsExercisedInSharebasedPaymentArrangement
      contextRef="c-4750"
      decimals="-3"
      id="f-11009"
      unitRef="shares">5980000</ifrs-full:NumberOfShareOptionsExercisedInSharebasedPaymentArrangement>
    <ifrs-full:WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019
      contextRef="c-4750"
      decimals="2"
      id="f-11010"
      unitRef="gbpPerShare">1.7</ifrs-full:WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019>
    <ifrs-full:NumberOfShareOptionsExpiredInSharebasedPaymentArrangement
      contextRef="c-4750"
      decimals="-3"
      id="f-11011"
      unitRef="shares">4044000</ifrs-full:NumberOfShareOptionsExpiredInSharebasedPaymentArrangement>
    <ifrs-full:WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019
      contextRef="c-4750"
      decimals="2"
      id="f-11012"
      unitRef="gbpPerShare">2.53</ifrs-full:WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019>
    <ifrs-full:NumberOfOutstandingShareOptions
      contextRef="c-4751"
      decimals="-3"
      id="f-11013"
      unitRef="shares">27139000</ifrs-full:NumberOfOutstandingShareOptions>
    <ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement
      contextRef="c-4752"
      decimals="-3"
      id="f-11014"
      unitRef="shares">4991000</ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement>
    <ifrs-full:WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019
      contextRef="c-4752"
      decimals="2"
      id="f-11015"
      unitRef="gbpPerShare">3.36</ifrs-full:WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019>
    <ifrs-full:NumberOfParticipantsOfRetirementBenefitPlanReceivingBenefits
      contextRef="c-4752"
      decimals="INF"
      id="f-11016"
      unitRef="people">4107</ifrs-full:NumberOfParticipantsOfRetirementBenefitPlanReceivingBenefits>
    <ifrs-full:NumberOfShareOptionsExercisedInSharebasedPaymentArrangement
      contextRef="c-4752"
      decimals="-3"
      id="f-11017"
      unitRef="shares">4004000</ifrs-full:NumberOfShareOptionsExercisedInSharebasedPaymentArrangement>
    <ifrs-full:WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019
      contextRef="c-4752"
      decimals="2"
      id="f-11018"
      unitRef="gbpPerShare">2.29</ifrs-full:WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019>
    <ifrs-full:NumberOfShareOptionsExpiredInSharebasedPaymentArrangement
      contextRef="c-4752"
      decimals="-3"
      id="f-11019"
      unitRef="shares">2437000</ifrs-full:NumberOfShareOptionsExpiredInSharebasedPaymentArrangement>
    <ifrs-full:WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019
      contextRef="c-4752"
      decimals="2"
      id="f-11020"
      unitRef="gbpPerShare">2.37</ifrs-full:WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019>
    <ifrs-full:NumberOfOutstandingShareOptions
      contextRef="c-4753"
      decimals="-3"
      id="f-11021"
      unitRef="shares">25689000</ifrs-full:NumberOfOutstandingShareOptions>
    <ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement
      contextRef="c-4754"
      decimals="-3"
      id="f-11022"
      unitRef="shares">3324000</ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement>
    <ifrs-full:WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019
      contextRef="c-4754"
      decimals="2"
      id="f-11023"
      unitRef="gbpPerShare">6.35</ifrs-full:WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019>
    <ifrs-full:NumberOfParticipantsOfRetirementBenefitPlanReceivingBenefits
      contextRef="c-4754"
      decimals="INF"
      id="f-11024"
      unitRef="people">4637</ifrs-full:NumberOfParticipantsOfRetirementBenefitPlanReceivingBenefits>
    <ifrs-full:NumberOfShareOptionsExercisedInSharebasedPaymentArrangement
      contextRef="c-4754"
      decimals="-3"
      id="f-11025"
      unitRef="shares">9966000</ifrs-full:NumberOfShareOptionsExercisedInSharebasedPaymentArrangement>
    <ifrs-full:WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019
      contextRef="c-4754"
      decimals="2"
      id="f-11026"
      unitRef="gbpPerShare">1.9</ifrs-full:WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019>
    <ifrs-full:NumberOfShareOptionsExpiredInSharebasedPaymentArrangement
      contextRef="c-4754"
      decimals="-3"
      id="f-11027"
      unitRef="shares">1554000</ifrs-full:NumberOfShareOptionsExpiredInSharebasedPaymentArrangement>
    <ifrs-full:WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019
      contextRef="c-4754"
      decimals="2"
      id="f-11028"
      unitRef="gbpPerShare">2.88</ifrs-full:WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019>
    <ifrs-full:NumberOfOutstandingShareOptions
      contextRef="c-4755"
      decimals="-3"
      id="f-11029"
      unitRef="shares">17493000</ifrs-full:NumberOfOutstandingShareOptions>
    <ifrs-full:ClosingForeignExchangeRate
      contextRef="c-4756"
      decimals="2"
      id="f-11030"
      unitRef="eurPerGBP">1.15</ifrs-full:ClosingForeignExchangeRate>
    <ifrs-full:ClosingForeignExchangeRate
      contextRef="c-4757"
      decimals="2"
      id="f-11031"
      unitRef="eurPerGBP">1.21</ifrs-full:ClosingForeignExchangeRate>
    <ifrs-full:ClosingForeignExchangeRate
      contextRef="c-4758"
      decimals="2"
      id="f-11032"
      unitRef="eurPerGBP">1.15</ifrs-full:ClosingForeignExchangeRate>
    <san:ShareBasedPaymentArrangementSingleEmployeeMinimumNumberOfContracts
      contextRef="c-4754"
      decimals="INF"
      id="f-11033"
      unitRef="contract">1</san:ShareBasedPaymentArrangementSingleEmployeeMinimumNumberOfContracts>
    <san:VoluntarySharesaveSchemeMonthlyEmployeeContributions contextRef="c-4759" decimals="0" id="f-11034" unitRef="gbp">5</san:VoluntarySharesaveSchemeMonthlyEmployeeContributions>
    <san:VoluntarySharesaveSchemeMonthlyEmployeeContributions contextRef="c-4760" decimals="0" id="f-11035" unitRef="gbp">500</san:VoluntarySharesaveSchemeMonthlyEmployeeContributions>
    <san:PeriodOfVoluntarySharesaveSchemeMonthlyEmployeeContributions contextRef="c-4760" id="f-11037">P5Y</san:PeriodOfVoluntarySharesaveSchemeMonthlyEmployeeContributions>
    <san:PercentageEmployeesReduceAveragePurchasePriceOfShares
      contextRef="c-4761"
      decimals="2"
      id="f-11038"
      unitRef="number">0.20</san:PercentageEmployeesReduceAveragePurchasePriceOfShares>
    <san:NumberOfTradingSessionsPriorToApprovalOfScheme
      contextRef="c-4761"
      decimals="INF"
      id="f-11039"
      unitRef="trading_session">3</san:NumberOfTradingSessionsPriorToApprovalOfScheme>
    <san:PeriodOfApprovalSharesaveScheme contextRef="c-4759" id="f-11040">P21D</san:PeriodOfApprovalSharesaveScheme>
    <san:PeriodOfApprovalSharesaveScheme contextRef="c-4760" id="f-11041">P41D</san:PeriodOfApprovalSharesaveScheme>
    <san:PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan
      contextRef="c-607"
      decimals="2"
      id="f-11042"
      unitRef="number">0.70</san:PercentageOfFairValueOfInitialAchievementOfPerformanceSharePlan>
    <ifrs-full:WeightedAverageSharePriceShareOptionsGranted2019
      contextRef="c-1"
      decimals="2"
      id="f-11043"
      unitRef="gbpPerShare">0.44</ifrs-full:WeightedAverageSharePriceShareOptionsGranted2019>
    <ifrs-full:WeightedAverageSharePriceShareOptionsGranted2019
      contextRef="c-86"
      decimals="2"
      id="f-11044"
      unitRef="gbpPerShare">0.23</ifrs-full:WeightedAverageSharePriceShareOptionsGranted2019>
    <ifrs-full:WeightedAverageSharePriceShareOptionsGranted2019
      contextRef="c-87"
      decimals="2"
      id="f-11045"
      unitRef="gbpPerShare">0.33</ifrs-full:WeightedAverageSharePriceShareOptionsGranted2019>
    <ifrs-full:DisclosureOfGeneralAndAdministrativeExpenseExplanatory contextRef="c-1" id="f-11046">Other general administrative expenses&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i82e92576232d4cfbb28034b6788f8242"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Breakdown&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Other general administrative expenses is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Technology and systems&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,298&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,539&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Property, fixtures and supplies&lt;br/&gt;(note 2.k)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;797&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;774&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Technical reports&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;712&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;724&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;796&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Advertising&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;517&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;512&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;574&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Taxes other than income tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Communications&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;387&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Surveillance and cash courier services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;314&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Per diems and travel expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;232&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;213&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Insurance premiums&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;88&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other administrative expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,055&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,008&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,172&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,945&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,185&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,299&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The payments associated with short-term leases (leases less than or equal to 12 months) and leases of low-value assets, that the Group recognises as an expense in the income statement is not material.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i923189b749f547138f4136281ff788ce"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Technical reports and other&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Technical reports include the fees from the various Group companies (detailed in the accompanying appendices) for the services provided by their respective auditors, with the following detail:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Audit &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;118.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;122.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;117.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Audit-related services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;All other &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;140.7&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;144.2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;133.6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, the firm BDO has performed audit and audit-related services totalling EUR 1.9&#160;million. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The audit services and main non-audit services included for each item in the above breakdown are detailed as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Audit services: audit of the individual and consolidated financial statements of Banco Santander and its subsidiaries (of which PwC or another network firm is the external auditor); audit of the interim consolidated financial statements of Banco Santander; integrated audits prepared in order to file the Form 20-F  with the SEC  and the internal control audits (SOx) for required Group's entities; limited reviews of financial statements; and  regulatory reports required to the external auditors regarding several  Grupo Santander entities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Audit-related services: issuance of comfort letters, verification services of financial and non-financial information required by regulators, and other reviews of documentation to be submitted to domestic or foreign authorities that, due to their nature, the external auditor typically provides.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Tax services: tax compliance and advisory services provided to Group companies outside Spain, which have no direct effect on the audited financial statements and are permitted in accordance with the applicable independence regulations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Other services: agreed-upon procedure reports, assurance reports and special reports performed under the accepted profession's standards; as well as other reports required by the regulators.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The 'Audit' heading includes the fees for the year's audit, regardless of the date the audit was completed. Any subsequent adjustments, which are not significant, are shown in this note for each year for comparison purposes. The fees corresponding to the rest of the services are shown by reference to when the audit committee approved them.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The services commissioned from the Group's auditors meet the independence requirements under applicable European and Spanish law, the SEC rules and the Public Company Accounting Oversight Board (PCAOB), applicable to the Group, and did not involve in any case&#160;the&#160;performance of any work that is incompatible with the auditor's role.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Lastly, the Group commissioned services from audit firms other than PwC amounting to EUR 155.9&#160;million in 2025 (EUR 206.2&#160;million and EUR 174.1&#160;million in 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i797ac713a96c45d29d952d167909a437"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;c) Number of branches&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The number of offices according to their geographical location at 31 December 2025, 2024 and 2023 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:59.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.173%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;Number of branches&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="2" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Group&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Spain &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,674&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,877&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,924&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,450&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,124&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,086&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,518&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;A. &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;Includes branches in Spain of the Digital Consumer Bank business.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;Note: Branches corresponding to the Group's business held for sale in Poland are included.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;     Note: The figures for 2025 and 2024 include CartaSur points of sale and banking service points (PAB) in Argentina and exclude operational points that do not provide customer service in Colombia.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfGeneralAndAdministrativeExpenseExplanatory>
    <san:DisclosureOfOtherGeneralAndAdministrativeExpenseTableTextBlock contextRef="c-1" id="f-11047">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Other general administrative expenses is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.406%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.407%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Technology and systems&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,298&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,539&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Property, fixtures and supplies&lt;br/&gt;(note 2.k)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;797&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;774&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Technical reports&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;712&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;724&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;796&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Advertising&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;517&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;512&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;574&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Taxes other than income tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Communications&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;387&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Surveillance and cash courier services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;314&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Per diems and travel expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;232&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;213&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Insurance premiums&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;88&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other administrative expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,055&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,008&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,172&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,945&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,185&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,299&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfOtherGeneralAndAdministrativeExpenseTableTextBlock>
    <ifrs-full:PropertyServiceChargeExpense contextRef="c-1" decimals="-6" id="f-11048" unitRef="eur">2298000000</ifrs-full:PropertyServiceChargeExpense>
    <san:TechnologySystemsExpense contextRef="c-86" decimals="-6" id="f-11049" unitRef="eur">2539000000</san:TechnologySystemsExpense>
    <san:TechnologySystemsExpense contextRef="c-87" decimals="-6" id="f-11050" unitRef="eur">2389000000</san:TechnologySystemsExpense>
    <san:TechnologySystemsExpense contextRef="c-1" decimals="-6" id="f-11051" unitRef="eur">803000000</san:TechnologySystemsExpense>
    <ifrs-full:PropertyServiceChargeExpense contextRef="c-86" decimals="-6" id="f-11052" unitRef="eur">797000000</ifrs-full:PropertyServiceChargeExpense>
    <ifrs-full:PropertyServiceChargeExpense contextRef="c-87" decimals="-6" id="f-11053" unitRef="eur">774000000</ifrs-full:PropertyServiceChargeExpense>
    <san:TechnicalReportsExpense contextRef="c-1" decimals="-6" id="f-11054" unitRef="eur">712000000</san:TechnicalReportsExpense>
    <san:TechnicalReportsExpense contextRef="c-86" decimals="-6" id="f-11055" unitRef="eur">724000000</san:TechnicalReportsExpense>
    <san:TechnicalReportsExpense contextRef="c-87" decimals="-6" id="f-11056" unitRef="eur">796000000</san:TechnicalReportsExpense>
    <ifrs-full:SalesAndMarketingExpense contextRef="c-1" decimals="-6" id="f-11057" unitRef="eur">517000000</ifrs-full:SalesAndMarketingExpense>
    <ifrs-full:SalesAndMarketingExpense contextRef="c-86" decimals="-6" id="f-11058" unitRef="eur">512000000</ifrs-full:SalesAndMarketingExpense>
    <ifrs-full:SalesAndMarketingExpense contextRef="c-87" decimals="-6" id="f-11059" unitRef="eur">574000000</ifrs-full:SalesAndMarketingExpense>
    <ifrs-full:TaxExpenseOtherThanIncomeTaxExpense contextRef="c-1" decimals="-6" id="f-11060" unitRef="eur">543000000</ifrs-full:TaxExpenseOtherThanIncomeTaxExpense>
    <ifrs-full:TaxExpenseOtherThanIncomeTaxExpense contextRef="c-86" decimals="-6" id="f-11061" unitRef="eur">554000000</ifrs-full:TaxExpenseOtherThanIncomeTaxExpense>
    <ifrs-full:TaxExpenseOtherThanIncomeTaxExpense contextRef="c-87" decimals="-6" id="f-11062" unitRef="eur">568000000</ifrs-full:TaxExpenseOtherThanIncomeTaxExpense>
    <ifrs-full:CommunicationExpense contextRef="c-1" decimals="-6" id="f-11063" unitRef="eur">367000000</ifrs-full:CommunicationExpense>
    <ifrs-full:CommunicationExpense contextRef="c-86" decimals="-6" id="f-11064" unitRef="eur">387000000</ifrs-full:CommunicationExpense>
    <ifrs-full:CommunicationExpense contextRef="c-87" decimals="-6" id="f-11065" unitRef="eur">400000000</ifrs-full:CommunicationExpense>
    <san:SurveillanceAndCourierServicesExpense contextRef="c-1" decimals="-6" id="f-11066" unitRef="eur">314000000</san:SurveillanceAndCourierServicesExpense>
    <san:SurveillanceAndCourierServicesExpense contextRef="c-86" decimals="-6" id="f-11067" unitRef="eur">337000000</san:SurveillanceAndCourierServicesExpense>
    <san:SurveillanceAndCourierServicesExpense contextRef="c-87" decimals="-6" id="f-11068" unitRef="eur">325000000</san:SurveillanceAndCourierServicesExpense>
    <ifrs-full:TravelExpense contextRef="c-1" decimals="-6" id="f-11069" unitRef="eur">250000000</ifrs-full:TravelExpense>
    <ifrs-full:TravelExpense contextRef="c-86" decimals="-6" id="f-11070" unitRef="eur">232000000</ifrs-full:TravelExpense>
    <ifrs-full:TravelExpense contextRef="c-87" decimals="-6" id="f-11071" unitRef="eur">213000000</ifrs-full:TravelExpense>
    <ifrs-full:InsuranceExpense contextRef="c-1" decimals="-6" id="f-11072" unitRef="eur">86000000</ifrs-full:InsuranceExpense>
    <ifrs-full:InsuranceExpense contextRef="c-86" decimals="-6" id="f-11073" unitRef="eur">95000000</ifrs-full:InsuranceExpense>
    <ifrs-full:InsuranceExpense contextRef="c-87" decimals="-6" id="f-11074" unitRef="eur">88000000</ifrs-full:InsuranceExpense>
    <san:OtherAdministrativeExpenses contextRef="c-1" decimals="-6" id="f-11075" unitRef="eur">2055000000</san:OtherAdministrativeExpenses>
    <san:OtherAdministrativeExpenses contextRef="c-86" decimals="-6" id="f-11076" unitRef="eur">2008000000</san:OtherAdministrativeExpenses>
    <san:OtherAdministrativeExpenses contextRef="c-87" decimals="-6" id="f-11077" unitRef="eur">2172000000</san:OtherAdministrativeExpenses>
    <san:OtherGeneralAdministrativeExpenses contextRef="c-1" decimals="-6" id="f-11078" unitRef="eur">7945000000</san:OtherGeneralAdministrativeExpenses>
    <san:OtherGeneralAdministrativeExpenses contextRef="c-86" decimals="-6" id="f-11079" unitRef="eur">8185000000</san:OtherGeneralAdministrativeExpenses>
    <san:OtherGeneralAdministrativeExpenses contextRef="c-87" decimals="-6" id="f-11080" unitRef="eur">8299000000</san:OtherGeneralAdministrativeExpenses>
    <san:DisclosureOfTechnicalReportsAndOtherTableTextBlock contextRef="c-1" id="f-11081">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Technical reports include the fees from the various Group companies (detailed in the accompanying appendices) for the services provided by their respective auditors, with the following detail:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Audit &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;118.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;122.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;117.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Audit-related services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax services&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;All other &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;140.7&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;144.2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;133.6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfTechnicalReportsAndOtherTableTextBlock>
    <ifrs-full:AuditorsRemunerationForAuditServices contextRef="c-1" decimals="-5" id="f-11082" unitRef="eur">118500000</ifrs-full:AuditorsRemunerationForAuditServices>
    <ifrs-full:AuditorsRemunerationForAuditServices contextRef="c-86" decimals="-5" id="f-11083" unitRef="eur">122300000</ifrs-full:AuditorsRemunerationForAuditServices>
    <ifrs-full:AuditorsRemunerationForAuditServices contextRef="c-87" decimals="-5" id="f-11084" unitRef="eur">117500000</ifrs-full:AuditorsRemunerationForAuditServices>
    <san:AuditorsRemunerationForAuditRelatedServices contextRef="c-1" decimals="-5" id="f-11085" unitRef="eur">15000000.0</san:AuditorsRemunerationForAuditRelatedServices>
    <san:AuditorsRemunerationForAuditRelatedServices contextRef="c-86" decimals="-5" id="f-11086" unitRef="eur">13600000</san:AuditorsRemunerationForAuditRelatedServices>
    <san:AuditorsRemunerationForAuditRelatedServices contextRef="c-87" decimals="-5" id="f-11087" unitRef="eur">8600000</san:AuditorsRemunerationForAuditRelatedServices>
    <ifrs-full:AuditorsRemunerationForTaxServices contextRef="c-1" decimals="-5" id="f-11088" unitRef="eur">100000</ifrs-full:AuditorsRemunerationForTaxServices>
    <ifrs-full:AuditorsRemunerationForTaxServices contextRef="c-86" decimals="-5" id="f-11089" unitRef="eur">900000</ifrs-full:AuditorsRemunerationForTaxServices>
    <ifrs-full:AuditorsRemunerationForTaxServices contextRef="c-87" decimals="-5" id="f-11090" unitRef="eur">1600000</ifrs-full:AuditorsRemunerationForTaxServices>
    <ifrs-full:AuditorsRemunerationForOtherServices contextRef="c-1" decimals="-5" id="f-11091" unitRef="eur">7100000</ifrs-full:AuditorsRemunerationForOtherServices>
    <ifrs-full:AuditorsRemunerationForOtherServices contextRef="c-86" decimals="-5" id="f-11092" unitRef="eur">7400000</ifrs-full:AuditorsRemunerationForOtherServices>
    <ifrs-full:AuditorsRemunerationForOtherServices contextRef="c-87" decimals="-5" id="f-11093" unitRef="eur">5900000</ifrs-full:AuditorsRemunerationForOtherServices>
    <ifrs-full:AuditorsRemuneration contextRef="c-1" decimals="-5" id="f-11094" unitRef="eur">140700000</ifrs-full:AuditorsRemuneration>
    <ifrs-full:AuditorsRemuneration contextRef="c-86" decimals="-5" id="f-11095" unitRef="eur">144200000</ifrs-full:AuditorsRemuneration>
    <ifrs-full:AuditorsRemuneration contextRef="c-87" decimals="-5" id="f-11096" unitRef="eur">133600000</ifrs-full:AuditorsRemuneration>
    <ifrs-full:AuditorsRemuneration
      contextRef="c-4762"
      decimals="-5"
      id="f-11097"
      unitRef="eur">1900000</ifrs-full:AuditorsRemuneration>
    <ifrs-full:ProfessionalFeesExpense contextRef="c-1" decimals="-5" id="f-11098" unitRef="eur">155900000</ifrs-full:ProfessionalFeesExpense>
    <ifrs-full:ProfessionalFeesExpense contextRef="c-86" decimals="-5" id="f-11099" unitRef="eur">206200000</ifrs-full:ProfessionalFeesExpense>
    <ifrs-full:ProfessionalFeesExpense contextRef="c-87" decimals="-5" id="f-11100" unitRef="eur">174100000</ifrs-full:ProfessionalFeesExpense>
    <san:DisclosureOfNumberOfOfficesTableTextBlock contextRef="c-1" id="f-11101">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The number of offices according to their geographical location at 31 December 2025, 2024 and 2023 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:59.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.173%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;Number of branches&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="2" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Group&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Spain &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,674&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,877&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,924&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,450&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,124&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,086&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,518&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;A. &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;Includes branches in Spain of the Digital Consumer Bank business.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;Note: Branches corresponding to the Group's business held for sale in Poland are included.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;     Note: The figures for 2025 and 2024 include CartaSur points of sale and banking service points (PAB) in Argentina and exclude operational points that do not provide customer service in Colombia.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfNumberOfOfficesTableTextBlock>
    <san:NumberOfOffices
      contextRef="c-2505"
      decimals="INF"
      id="f-11102"
      unitRef="branch">1674</san:NumberOfOffices>
    <san:NumberOfOffices
      contextRef="c-2506"
      decimals="INF"
      id="f-11103"
      unitRef="branch">1877</san:NumberOfOffices>
    <san:NumberOfOffices
      contextRef="c-2507"
      decimals="INF"
      id="f-11104"
      unitRef="branch">1924</san:NumberOfOffices>
    <san:NumberOfOffices
      contextRef="c-4763"
      decimals="INF"
      id="f-11105"
      unitRef="branch">5450</san:NumberOfOffices>
    <san:NumberOfOffices
      contextRef="c-4764"
      decimals="INF"
      id="f-11106"
      unitRef="branch">6209</san:NumberOfOffices>
    <san:NumberOfOffices
      contextRef="c-4765"
      decimals="INF"
      id="f-11107"
      unitRef="branch">6594</san:NumberOfOffices>
    <san:NumberOfOffices
      contextRef="c-1"
      decimals="INF"
      id="f-11108"
      unitRef="branch">7124</san:NumberOfOffices>
    <san:NumberOfOffices
      contextRef="c-86"
      decimals="INF"
      id="f-11109"
      unitRef="branch">8086</san:NumberOfOffices>
    <san:NumberOfOffices
      contextRef="c-87"
      decimals="INF"
      id="f-11110"
      unitRef="branch">8518</san:NumberOfOffices>
    <san:DisclosureOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTextBlock contextRef="c-1" id="f-11111">Gains or losses on non financial assets, net&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Gains/ (losses) on disposal of assets not classified as non-current assets held for sale is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gains&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tangible and intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Investments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;360&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;285&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;82&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;408&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;338&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tangible and intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(36)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Investments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(82)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;368&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;312&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTextBlock>
    <san:ScheduleOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTableTextBlock contextRef="c-1" id="f-11112">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Gains/ (losses) on disposal of assets not classified as non-current assets held for sale is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.319%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.171%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gains&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tangible and intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Investments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;360&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;285&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;82&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;408&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;338&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tangible and intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(36)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Investments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(82)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;368&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;312&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:ScheduleOfGainsLossesOnDisposalOfAssetsNotClassifiedAsNonCurrentAssetsHeldForSaleTableTextBlock>
    <san:GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale contextRef="c-1" decimals="-6" id="f-11113" unitRef="eur">65000000</san:GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale>
    <san:GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale contextRef="c-86" decimals="-6" id="f-11114" unitRef="eur">48000000</san:GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale>
    <san:GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale contextRef="c-87" decimals="-6" id="f-11115" unitRef="eur">53000000</san:GainsOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale>
    <ifrs-full:GainsOnDisposalsOfInvestments contextRef="c-1" decimals="-6" id="f-11116" unitRef="eur">17000000</ifrs-full:GainsOnDisposalsOfInvestments>
    <ifrs-full:GainsOnDisposalsOfInvestments contextRef="c-86" decimals="-6" id="f-11117" unitRef="eur">360000000</ifrs-full:GainsOnDisposalsOfInvestments>
    <ifrs-full:GainsOnDisposalsOfInvestments contextRef="c-87" decimals="-6" id="f-11118" unitRef="eur">285000000</ifrs-full:GainsOnDisposalsOfInvestments>
    <ifrs-full:GainsOnDisposalsOfNoncurrentAssets contextRef="c-1" decimals="-6" id="f-11119" unitRef="eur">82000000</ifrs-full:GainsOnDisposalsOfNoncurrentAssets>
    <ifrs-full:GainsOnDisposalsOfNoncurrentAssets contextRef="c-86" decimals="-6" id="f-11120" unitRef="eur">408000000</ifrs-full:GainsOnDisposalsOfNoncurrentAssets>
    <ifrs-full:GainsOnDisposalsOfNoncurrentAssets contextRef="c-87" decimals="-6" id="f-11121" unitRef="eur">338000000</ifrs-full:GainsOnDisposalsOfNoncurrentAssets>
    <san:LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale contextRef="c-1" decimals="-6" id="f-11122" unitRef="eur">41000000</san:LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale>
    <san:LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale contextRef="c-86" decimals="-6" id="f-11123" unitRef="eur">36000000</san:LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale>
    <san:LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale contextRef="c-87" decimals="-6" id="f-11124" unitRef="eur">26000000</san:LossesOnDisposalsOfTangibleAndIntangibleAssetsNotClassifiedAsHeldForSale>
    <ifrs-full:LossesOnDisposalsOfInvestments contextRef="c-1" decimals="-6" id="f-11125" unitRef="eur">41000000</ifrs-full:LossesOnDisposalsOfInvestments>
    <ifrs-full:LossesOnDisposalsOfInvestments contextRef="c-86" decimals="-6" id="f-11126" unitRef="eur">4000000</ifrs-full:LossesOnDisposalsOfInvestments>
    <ifrs-full:LossesOnDisposalsOfInvestments contextRef="c-87" decimals="-6" id="f-11127" unitRef="eur">0</ifrs-full:LossesOnDisposalsOfInvestments>
    <ifrs-full:LossesOnDisposalsOfNoncurrentAssets contextRef="c-1" decimals="-6" id="f-11128" unitRef="eur">82000000</ifrs-full:LossesOnDisposalsOfNoncurrentAssets>
    <ifrs-full:LossesOnDisposalsOfNoncurrentAssets contextRef="c-86" decimals="-6" id="f-11129" unitRef="eur">40000000</ifrs-full:LossesOnDisposalsOfNoncurrentAssets>
    <ifrs-full:LossesOnDisposalsOfNoncurrentAssets contextRef="c-87" decimals="-6" id="f-11130" unitRef="eur">26000000</ifrs-full:LossesOnDisposalsOfNoncurrentAssets>
    <san:GainsLossesOnDisposalsOfNonFinancialAssetsNet contextRef="c-1" decimals="-6" id="f-11131" unitRef="eur">0</san:GainsLossesOnDisposalsOfNonFinancialAssetsNet>
    <san:GainsLossesOnDisposalsOfNonFinancialAssetsNet contextRef="c-86" decimals="-6" id="f-11132" unitRef="eur">368000000</san:GainsLossesOnDisposalsOfNonFinancialAssetsNet>
    <san:GainsLossesOnDisposalsOfNonFinancialAssetsNet contextRef="c-87" decimals="-6" id="f-11133" unitRef="eur">312000000</san:GainsLossesOnDisposalsOfNonFinancialAssetsNet>
    <san:DisclosureOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTextBlock contextRef="c-1" id="f-11134">Gains or losses on non-current assets held for sale not classified as discontinued operations&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Gains/(losses) on non-current assets held for sale not classified as discontinued operations is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Impairment (Note 12)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(72)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(92)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Gain (loss) on sale (Note 12)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains and other losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;232&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;Caceis (Note 3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;231&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;226&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(27)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTextBlock>
    <san:ScheduleOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTableTextBlock contextRef="c-1" id="f-11135">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Gains/(losses) on non-current assets held for sale not classified as discontinued operations is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:61.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.245%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.248%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Impairment (Note 12)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(72)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(92)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Gain (loss) on sale (Note 12)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains and other losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;232&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;Caceis (Note 3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;231&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;226&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(27)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:ScheduleOfGainsLossesOnDisposalOfNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperationsTableTextBlock>
    <san:GainsLossesOnNonCurrentTangibleAssets contextRef="c-1" decimals="-6" id="f-11136" unitRef="eur">-6000000</san:GainsLossesOnNonCurrentTangibleAssets>
    <san:GainsLossesOnNonCurrentTangibleAssets contextRef="c-86" decimals="-6" id="f-11137" unitRef="eur">-24000000</san:GainsLossesOnNonCurrentTangibleAssets>
    <san:GainsLossesOnNonCurrentTangibleAssets contextRef="c-87" decimals="-6" id="f-11138" unitRef="eur">-20000000</san:GainsLossesOnNonCurrentTangibleAssets>
    <san:NonCurrentAssetsHeldForSaleValuationAllowanceCharges contextRef="c-1" decimals="-6" id="f-11139" unitRef="eur">72000000</san:NonCurrentAssetsHeldForSaleValuationAllowanceCharges>
    <san:NonCurrentAssetsHeldForSaleValuationAllowanceCharges contextRef="c-86" decimals="-6" id="f-11140" unitRef="eur">92000000</san:NonCurrentAssetsHeldForSaleValuationAllowanceCharges>
    <san:NonCurrentAssetsHeldForSaleValuationAllowanceCharges contextRef="c-87" decimals="-6" id="f-11141" unitRef="eur">51000000</san:NonCurrentAssetsHeldForSaleValuationAllowanceCharges>
    <ifrs-full:GainsLossesOnDisposalsOfNoncurrentAssets
      contextRef="c-4766"
      decimals="-6"
      id="f-11142"
      unitRef="eur">66000000</ifrs-full:GainsLossesOnDisposalsOfNoncurrentAssets>
    <ifrs-full:GainsLossesOnDisposalsOfNoncurrentAssets
      contextRef="c-4767"
      decimals="-6"
      id="f-11143"
      unitRef="eur">68000000</ifrs-full:GainsLossesOnDisposalsOfNoncurrentAssets>
    <ifrs-full:GainsLossesOnDisposalsOfNoncurrentAssets
      contextRef="c-4768"
      decimals="-6"
      id="f-11144"
      unitRef="eur">31000000</ifrs-full:GainsLossesOnDisposalsOfNoncurrentAssets>
    <ifrs-full:GainsLossesOnDisposalsOfOtherNoncurrentAssets contextRef="c-1" decimals="-6" id="f-11145" unitRef="eur">232000000</ifrs-full:GainsLossesOnDisposalsOfOtherNoncurrentAssets>
    <ifrs-full:GainsLossesOnDisposalsOfOtherNoncurrentAssets contextRef="c-86" decimals="-6" id="f-11146" unitRef="eur">-3000000</ifrs-full:GainsLossesOnDisposalsOfOtherNoncurrentAssets>
    <ifrs-full:GainsLossesOnDisposalsOfOtherNoncurrentAssets contextRef="c-87" decimals="-6" id="f-11147" unitRef="eur">0</ifrs-full:GainsLossesOnDisposalsOfOtherNoncurrentAssets>
    <ifrs-full:GainsLossesOnDisposalsOfOtherNoncurrentAssets
      contextRef="c-4769"
      decimals="-6"
      id="f-11148"
      unitRef="eur">231000000</ifrs-full:GainsLossesOnDisposalsOfOtherNoncurrentAssets>
    <ifrs-full:GainsLossesOnDisposalsOfOtherNoncurrentAssets
      contextRef="c-4770"
      decimals="-6"
      id="f-11149"
      unitRef="eur">0</ifrs-full:GainsLossesOnDisposalsOfOtherNoncurrentAssets>
    <ifrs-full:GainsLossesOnDisposalsOfOtherNoncurrentAssets
      contextRef="c-4771"
      decimals="-6"
      id="f-11150"
      unitRef="eur">0</ifrs-full:GainsLossesOnDisposalsOfOtherNoncurrentAssets>
    <san:GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations contextRef="c-1" decimals="-6" id="f-11151" unitRef="eur">226000000</san:GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations>
    <san:GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations contextRef="c-86" decimals="-6" id="f-11152" unitRef="eur">-27000000</san:GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations>
    <san:GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations contextRef="c-87" decimals="-6" id="f-11153" unitRef="eur">-20000000</san:GainsLossesOnNonCurrentAssetsHeldForSaleNotClassifiedAsDiscontinuedOperations>
    <ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory contextRef="c-1" id="f-11154">Fair value of financial instruments&lt;div style="margin-bottom:6pt;margin-top:9pt;padding-right:263.62pt"&gt;&lt;span id="i6cdde6f6cfb049efae53b6b6d38ced79"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Details  &lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table summarises the fair values, at the end of each of the years indicated, of the financial assets and liabilities listed below, classified according to the different valuation methodologies used by the Group to determine their fair value:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:28.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.163%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Published&lt;br/&gt;price&lt;br/&gt;quotations&lt;br/&gt;in active&lt;br/&gt;markets&lt;br/&gt;(level 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Internal&lt;br/&gt;Models&lt;br/&gt;(level 2&lt;br/&gt;and 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Published&lt;br/&gt;price&lt;br/&gt;quotations&lt;br/&gt;in active&lt;br/&gt;markets&lt;br/&gt;(level 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Internal&lt;br/&gt;Models&lt;br/&gt;(level 2&lt;br/&gt;and 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Published&lt;br/&gt;price&lt;br/&gt;quotations&lt;br/&gt;in active&lt;br/&gt;markets&lt;br/&gt;(level 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Internal&lt;br/&gt;Models&lt;br/&gt;(level 2&lt;br/&gt;and 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;106,560&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;145,758&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;252,318&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;88,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;142,106&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;230,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;67,842&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;109,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;176,921&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,037&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,093&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,860&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,046&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,744&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,915&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,746&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,027&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;52,589&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,023&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;74,612&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;67,680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;89,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64,631&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;83,308&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedging derivatives (assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,931&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,931&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,672&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,672&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37,192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;134,354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171,546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,974&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;122,177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152,151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,298&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;101,972&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;122,270&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,148&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,148&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,360&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,360&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,342&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedging derivatives (liabilities)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,752&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,752&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,656&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,656&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Liabilities under insurance contracts&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,737&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,737&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,829&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,829&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,799&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,799&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander has developed a formal process for the systematic valuation and management of financial instruments, which has been implemented worldwide across all the Group&#x2019;s units. The governance scheme for this process distributes responsibilities between two independent divisions: Treasury (development, marketing and daily management of financial products) and Risk (on a&#160;periodic basis, validation of pricing models and daily risk certification of market data, computation of risk metrics, new transaction approval policies, management control  of market risk and implementation of fair value adjustment policies).&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The approval of new products follows a sequence of steps (request, development, validation, integration in corporate systems and quality assurance) before the product is brought into production. This process ensures that pricing systems have been properly reviewed and are stable before they are used.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following subsections set forth the most important products and families of derivatives, and the related valuation techniques and inputs, by asset class:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="i71893e9ce67b42239bd8133a3abeca3a"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Interest rate and inflation&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The fixed income asset class includes basic instruments such as interest rate forwards, interest rate swaps and cross currency swaps, which are valued using the net present value of the estimated future cash flows discounted taking into account basis (swap and cross currency spreads) determined on the basis of the payment frequency and currency of each leg of the derivative. Vanilla options, including caps, floors and swaptions, are priced using the Black-Scholes model, which is one of the benchmark industry models. More exotic derivatives are priced using more complex models which are generally accepted as standard across institutions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;These pricing models are fed with observable market data such as deposit interest rates, futures rates, cross currency swap and constant maturity swap rates, and basis spreads, on the basis of which different yield curves, depending on the payment frequency, and discounting curves are calculated for each currency. In the case of options, implied volatilities are also used as model inputs. These volatilities are observable in the market for cap and floor options and swaptions, and interpolation and extrapolation of volatilities from the quoted ranges are carried out using generally accepted industry models. The pricing of more exotic derivatives may require the use of non-observable data or parameters, such as correlation (among interest rates and cross-asset), mean reversion rates and prepayment rates, which are usually defined from historical data or through calibration.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Inflation-related assets include zero-coupon or&#160;year-on-year inflation-linked bonds and swaps, valued with the present value method using forward estimation and discounting. Derivatives on inflation indices are priced using standard or more complex internal models. Valuation inputs of these models consider inflation-linked swap spreads observable in the market and estimations of inflation seasonality, on the basis of which a forward inflation curve is calculated. Also, implied volatilities taken from zero-coupon and&#160;year-on-year inflation options are also inputs for the pricing of more complex derivatives.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i0bd5b62ea8344ccda87b85459fb99881"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Equity and foreign exchange&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The most important products in these asset classes are forward and futures contracts; they also include vanilla, listed and OTC (Over-The-Counter) derivatives on single underlying assets and baskets of assets. Vanilla options are priced using the standard Black-Scholes model and more exotic derivatives involving forward returns, average performance, or digital, barrier or callable features are priced using generally accepted industry models or internal models, as appropriate. For derivatives on illiquid stocks, hedging takes into account the liquidity constraints in models.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The inputs of equity models consider yield curves, spot prices, dividends, asset funding costs (repo margin spreads), implied volatilities, correlation among equity stocks and indices, and cross-asset correlation. Implied volatilities are obtained from market quotes of European and American-style vanilla call and put options. Various interpolation and extrapolation techniques are used to obtain continuous volatility for illiquid stocks. Dividends are usually estimated for the mid and long term. Correlations are implied, when possible, from market quotes of correlation-dependent products. In all other cases, proxies are used for correlations between benchmark underlyings or correlations are obtained from historical data.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The inputs of foreign exchange models include the yield curve for each currency, the spot foreign exchange rate, the implied volatilities and the correlation among assets of this class. Volatilities are obtained from European call and put options which are quoted in markets as of-the-money, risk reversal or butterfly options. Illiquid currency pairs are usually handled by using the data of the liquid pairs from which the illiquid currency can be derived. For more exotic products, unobservable model parameters may be estimated by fitting to reference prices provided by other non-quoted market sources.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="id3d3a29539de41fb9bda9e519cb9f4d7"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Credit&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The most common instrument in this asset class is the credit default swap (CDS), which is used to hedge credit exposure to third parties. In addition, models for first-to-default (FTD), n-to-default (NTD) and single-tranche collateralised debt obligation (CDO) products&#160;are&#160;also available. These products are valued with standard industry models, which estimate the probability of default of a single issuer (for CDS) or the joint probability of default of more than one issuer for FTD, NTD and CDO.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Valuation inputs are the yield curve, the CDS spread curve and the recovery rate. For indices and important individual issuers, the CDS spread curve is obtained in the market. For less liquid issuers, this spread curve is estimated using proxies or other credit-dependent instruments. Recovery rates are usually set to standard values. For listed single-tranche CDO, the correlation of joint default of several issuers is implied from the market. For FTD, NTD and internal CDO, the correlation is estimated from proxies or historical data when no other option is available.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i783bc1aae9a5420bb626f02e870f4ca0"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Valuation adjustment for counterparty risk or default risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Credit valuation adjustment (CVA) is a valuation adjustment to over-the-counter (OTC) derivatives as a result of the risk associated with the credit exposure assumed to each counterparty.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:8pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The CVA is calculated taking into account potential exposure to each counterparty in each future period. The CVA for a specific counterparty is equal to the sum of the CVA for all the periods. The following inputs are used to calculate the CVA:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Expected exposure: including for each transaction the mark-to-market (MtM) value plus an add-on for the potential future exposure for each period. Mitigating factors such as collateral and netting agreements are taken into account, as well as a temporary impairment factor for derivatives with interim payments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Severity:&#160;percentage of final loss assumed in a counterparty credit event/default.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Probability of default: for cases where there is no market information (the CDS quoted spread curve, etc.), proxies based on companies holding exchange-listed CDS, in the same industry and with the same external rating as the counterparty, are used.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Discount factor curve.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Debit Valuation Adjustment (DVA) is a valuation adjustment similar to the CVA but, in this case, it arises as a result of the Group&#x2019;s own risk assumed by its counterparties in OTC derivatives.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The CVA at 31 December 2025 amounted to EUR 224 million (resulting in a decrease of 17.6% compared to 31 December 2024) and DVA amounted to EUR 285 million (resulting in a decrease of 10.1%  compared to 31 December 2024). These decreases are primarily due to the performance of credit markets, with lower spreads compared to December 2024, and secondarily to changes in the composition of certain derivatives portfolios. Furthermore, the observed reduction in CVA is influenced by changes in the calculation models applicable to certain clients.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The CVA at 31 December 2024 amounted to EUR 272&#160;million (resulting in a decrease of 7.2% compared to 31 December 2023) and DVA amounted to EUR 317&#160;million (resulting in a decrease of 3.9% compared to 31 December 2023). These decreases are mainly due to the declines in the EUR and USD interest rate markets, lower inflation and the movements in credit markets whose spread levels have reduced moderately compared to those of December 2023.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The CVA at 31 December 2023 amounted to EUR 293&#160;million (decrease of 16.5% compared to 31 December 2022) and DVA amounted EUR 330&#160;million (decrease of 9.3% compared to 31 December 2022).  These decreases are mainly due to movements in credit markets whose spread levels have reduced moderately compared to those of December 2022, partially offset by the upward movement in interest rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, the Group amounts the funding fair value adjustment (FFVA) is calculated by applying future market funding spreads to the expected future funding exposure of any uncollateralised component of the OTC derivative portfolio. This includes the uncollateralised component of collateralised derivatives in addition to derivatives that are fully uncollateralised. The expected future funding exposure is calculated by a simulation methodology, where available. The FFVA impact is not material for the consolidated annual accounts as of 31 December 2025, 2024 and 2023.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;During 2025, the Group has continued to apply the criteria for classifying financial instruments within the levels of the fair value hierarchy established to comply with regulatory expectations. These criteria, based on information from the price contributors and real market transactions, represent a significant reduction in the use of expert judgement to determine observability and allow the measurement of the significance of non-observable valuation inputs based on objective criteria.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;There has been an increase in instruments classified as Level 3, especially during the last quarter of the year. This increase is due to higher holding volumes of some of these instruments in the portfolio due to new trading activity. No significant reclassifications were detected due to changes in the market observability of the valuation inputs for the remaining positions. The main increases include long-term repo/reverse repo transactions, illiquid equities in non-trading portfolios, and syndicated loans with an HTC&amp;amp;S business model for which there is no observable market price based on the criteria used. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i82ed7c965ab44f13ab452cc0878b6462"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Valuation adjustments due to model risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The valuation models described above do not involve a significant level of subjectivity, since they can be adjusted and recalibrated, where appropriate, through internal calculation of the fair value and subsequent comparison with the related actively traded price. However, valuation adjustments may be necessary when market quoted prices are not available for comparison purposes.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The sources of risk are associated with uncertain model parameters, illiquid underlying issuers, and poor quality market data or missing risk factors (sometimes the best available option is to use limited models with controllable risk). In these situations, the Group calculates and applies valuation adjustments in accordance with common industry practice. The main sources of model risk are described below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;In the interest rate markets, the sources of model risk include interest rate indexes correlations, basis spread modelling, the risk of calibrating model parameters and the treatment of near-zero or negative interest rates. Other sources of risk arise from the estimation of market data, such as volatilities or yield curves, whether used for estimation or cash flow discounting purposes.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;In the stock markets, the sources of model risk include forward skew modelling, the impact of stochastic interest rates, correlation and multi-curve modelling. Other sources of risk arise from managing hedges of digital callable and barrier option payments. Also worthy of consideration as sources of risk are the estimation of market data such as dividends and correlation for quanto and composite basket options.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;For specific financial instruments relating to home mortgage loans secured by financial institutions in the UK (which are regulated and partially financed by the Government) and property asset derivatives, the main input is the Halifax House Price Index (HPI). In these cases, risk assumptions include estimations of the future growth and the volatility of the HPI, the mortality rate and the implied credit spreads.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Inflation markets are exposed to model risk resulting from uncertainty around modelling the correlation structure among various Consumer Price Index (CPI) rates. Another source of risk may arise from the bid-offer spread of inflation-linked swaps.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The currency markets are exposed to model risk resulting from forward skew modelling and the impact of stochastic interest rate and correlation modelling for multi-asset instruments. Risk may also arise from market data, due to the existence of specific illiquid foreign exchange pairs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The most important source of model risk for credit derivatives relates to the estimation of the correlation between the probabilities of default of different underlying issuers. For illiquid underlying issuers, the CDS spread may not be well defined.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Set forth below are the financial instruments at fair value whose measurement was based on internal models (levels 2 and 3) at 31 December 2025, 2024 and 2023:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:5pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.087%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair&#160;values&#160;calculated&lt;br/&gt;using internal models at&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level&#160;2 &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level&#160;3 &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Valuation&#160;techniques&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Main assumptions&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;163,796&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,487&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;139,293&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,496&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,986&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt and equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,470&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;340&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,831&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;971&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39,716&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;551&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method, Gaussian Copula&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices, HPI, Basis, Liquidity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black-Scholes Model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, Volatility surfaces, FX market prices, Liquidity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,490&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black's Model, multifactorial advanced models interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, Volatility surfaces, FX market prices, Liquidity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate forwards&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Index and securities options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;439&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black's Model, multifactorial advanced models interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, Volatility surfaces, FX &amp;amp; EQ market prices, Dividends,  Liquidity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method, Advanced stochastic volatility models and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, Volatility surfaces, FX and EQ market prices, Dividends, Correlation, HPI, Credit, Others&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,924&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,690&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices, Basis&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;91&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black's Model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices, Volatility surfaces&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;143&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method, Advanced stochastic volatility models and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, Volatility surfaces, FX market prices, Credit, Liquidity, Others&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,465&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,889&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;899&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Market price, Interest rates curves, Dividends and Others&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and receivables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,512&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method, swap asset model &amp;amp; CDS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves and Credit curves&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,152&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices, HPI&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,725&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets  at fair value through other comprehensive  income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,962&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,061&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, Market price, Dividends and Others&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,819&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and receivables&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,902&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices and Credit curves&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.799%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.989%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.989%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.541%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.490%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair&#160;values&#160;calculated&lt;br/&gt;using internal models at&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level&#160;2 &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level&#160;3 &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Valuation&#160;techniques&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Main assumptions&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;LIABILITIES&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;198,377&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,110&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;133,490&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;864&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;FX market prices, Yield curves&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;FX market prices, Yield curves&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;FX market prices, Yield curves&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;864&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;33,597&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method, Gaussian Copula&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices, Basis, Liquidity, HPI&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;903&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black's Model, multifactorial advanced models interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, Volatility surfaces, FX &amp;amp; EQ market prices, Dividends,  Liquidity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Forwards on interest rate and variable income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,951&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black-Scholes Model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, Volatility surfaces, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Index and securities options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,094&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black-Scholes Model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices, Liquidity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate and equity futures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;121&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, Volatility surfaces, FX &amp;amp; EQ market prices, Dividends, Correlation, Liquidity, HPI&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,582&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;166&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method, Advanced stochastic volatility models and others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, Volatility surfaces, FX &amp;amp; EQ market prices, Dividends, Correlation, HPI, Credit, Others&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Short positions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,679&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves ,FX market prices, Equity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,229&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black's Model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves , Volatility surfaces, FX market prices and Liquidity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;38&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method, Advanced stochastic volatility models and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves , Volatility surfaces, FX market prices, Credit, Liquidity, Other&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;42,148&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities under insurance contracts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,510&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;227&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Present Value Method with actuarial techniques&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:105%"&gt;Mortality tables and interest rate curves&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Level 2 internal models use data based on observable market parameters, while level 3 internal models use significant non-observable inputs in market data.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Includes mainly temporary acquisitions/disposals of assets with corporate clients and, to a lesser extent, with central banks.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Includes mainly syndicated loans under the HTC&amp;amp;S business model.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;It mainly includes short-term deposits that are managed based on their fair value.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:28.090%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair values calculated&lt;br/&gt;using internal models at&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair values calculated&lt;br/&gt;using internal models at&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Valuation techniques&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;163,941&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,319&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;133,874&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,351&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;138,176&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,930&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;106,993&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,086&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,966&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,717&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;769&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,061&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,602&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,801&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt and equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;413&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,683&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;915&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,947&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;947&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,147&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;47,519&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;556&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;44,987&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method, Gaussian Copula&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,583&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;836&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black-Scholes Model&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,879&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;153&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black's Model, advanced multifactor interest rate models&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate forwards&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,445&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Index and securities options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;241&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;235&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black's Model, advanced multifactor interest rate models&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,056&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,922&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;173&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method, Advanced stochastic volatility models and other&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,652&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,297&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,390&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black&#x2019;s Model&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;260&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;630&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method, Advanced stochastic volatility models and other&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,505&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,588&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,050&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,095&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;763&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;205&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;539&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and receivables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;537&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;696&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method, swap asset model &amp;amp; CDS&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,065&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;106&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,846&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;181&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;408&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;459&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,590&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,189&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;67&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets  at fair value through other comprehensive  income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,543&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,675&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,688&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,989&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,644&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,047&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,638&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and receivables&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,045&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,938&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.053%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair values calculated&lt;br/&gt;using internal models at&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair values calculated&lt;br/&gt;using internal models at&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Valuation techniques&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;179,766&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,352&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;166,542&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,227&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;121,243&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;934&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;101,103&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;869&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17,862&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,984&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,837&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,205&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;934&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;49,380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;869&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;41,283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;479&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39,395&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;388&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method, Gaussian Copula&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,295&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;79&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,207&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black's Model, advanced multifactor interest rate models&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;549&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black-Scholes Model&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Index and securities options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;294&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;466&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;187&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black's Model, advanced multifactor interest rate models&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Forwards on interest rate and variable income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,134&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;82&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,662&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method, Advanced stochastic volatility models and other&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Short positions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,470&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,740&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,650&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,866&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black&#x2019;s Model&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;119&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method, Advanced stochastic volatility models and other&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;36,200&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;160&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;40,313&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;29&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities under insurance contracts&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,583&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;246&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,476&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;323&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method with actuarial techniques&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Level 2 internal models use data based on observable market parameters, while level 3 internal models use significant non-observable inputs in market data.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Includes mainly temporary acquisitions/disposals of assets with corporate clients and, to a lesser extent, with central banks. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Includes mainly syndicated loans under the HTC&amp;amp;S business model.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Includes, mainly, short-term deposits that are managed based on their fair value.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:10.91pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt;padding-right:263.62pt"&gt;&lt;span id="i2902ca59b5bf48d99441ca0a7246286a"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Financial Instruments (level 3)&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Set forth below are the Group&#x2019;s main financial instruments measured using unobservable market data as significant inputs of the internal models (level 3):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;HTC&amp;amp;S (Held to collect and sale) syndicated loans classified in the fair value category with changes in other comprehensive income, where the cost of liquidity is not directly observable in the market, as well as the prepayment option in favour of the borrower.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Repos and reverse repos classified as financial assets held for trading, whose valuation uses significant unobservable inputs, mainly associated with credit adjustments, liquidity and certain specific characteristics of the counterparty and the collateral.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Illiquid equity in non-trading portfolios, classified at fair value through profit or loss and at fair value through equity. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Instruments in Santander UK&#x2019;s portfolio (loans, debt securities and derivatives) linked to the House Price Index (HPI). Even if the valuation techniques used for these instruments may be the same as those used to value similar products (present value in the case of loans and debt securities, and the Black-Scholes model for derivatives), the main factors used in the valuation of these instruments are the HPI spot rate, the growth and volatility &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;thereof, and the mortality rates, which are not always observable in the market and, accordingly, these instruments are considered illiquid.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Callable interest rate derivatives (Bermudan-style options) where the main unobservable input is mean reversion of interest rates.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Trading derivatives on interest rates, taking as an underlying asset titling and with the amortization rate (CPR, Conditional prepayment rate) as unobservable main entry.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt; Derivatives from trading on inflation in Spain, where volatility is not observable in the market.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Equity volatility derivatives, specifically indices and equities, where volatility is not observable in the long term.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Derivatives on long-term interest rate and FX in some units (mainly South America) where for certain underlyings it is not possible to demonstrate observability to these terms.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Debt instruments referenced to certain illiquid interest rates, for which there is no reasonable market observability.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The measurements obtained using the internal models might have been different if other methods or assumptions had been used with respect to interest rate risk, to credit risk, market risk and foreign currency risk spreads, or to their related correlations and volatilities. Nevertheless, the Bank considers that the fair value of the financial assets and liabilities recognised in the consolidated balance sheet and the gains and losses arising from these financial instruments are reasonable.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The net amount recognised in profit and loss in 2025 arising from models whose significant inputs are unobservable market data (level 3) amounted to EUR 469 profit (EUR 523&#160;million and EUR 404&#160;million profit in 2024 and  2023, respectively).&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span id="i834d0e1fedf549f498c6918fb2113db5"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;1.&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%;padding-left:3.55pt"&gt;Valuation techniques&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:260.79pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The table below shows the effect, at 31 December 2025, 2024 and 2023 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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.644%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Portfolio/Instrument&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Valuation technique&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Main unobservable inputs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Range&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Weighted average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Impacts (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Unfavourable scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Favourable scenario&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Repos/Reverse repos&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Market proxy&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price / Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(10.50)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10.50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Corporate debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 10%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5.10%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2.24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2.29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Government debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discount curve&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 8%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.00%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(9.21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;9.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;35.50%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1.32)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Derivatives&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Cap&amp;amp;Floor&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Modelo de Black Scholes&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(6.50)bps - 6.50bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;CCS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;146.3% - 148.3%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;147.30&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.01)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.01&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EQ Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EQ option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 70%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;40.50&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.17)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EQ Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Local volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(18.86)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;18.86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Fx Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Fx option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 40%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;19.80&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;FX Forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Forward estimation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 15%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8.10&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.01)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.02&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Asset Swap model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2% - 8%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.90&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.18)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IR Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IR option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 30%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14.80&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.19)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IR Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;INF option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 30%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14.90&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.63)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.63&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5% - n.a.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(11.24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8.23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;19.6% - 127.5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50.50&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.84&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.0% - 99.0%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;99.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Forward estimation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;60bps - 300bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;179.80bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(3.48)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Property derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)% - 5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2.64)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2.64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Securitisation Swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Constant prepayment rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spreads&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.1% - 3%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.60&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.12)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Mortgage portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Black Scholes model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)% - 5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.23)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 8%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.10&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.643%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Portfolio/Instrument&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Valuation technique&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Main unobservable inputs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Range&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Weighted average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Impacts (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Unfavourable scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Favourable scenario&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Property securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Probability weighting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)% - 5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Equity instruments&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price Based&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;90% - 110%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;100.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(254.29)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;254.29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2.33)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2.33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate curve&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;6.1% - 7.2%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;6.60&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Margin of a reference portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3% - 7%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.25)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;121.9bps - 174.7 bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;121.9bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Market price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Market price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.3)% - 0.1%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.30&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2.70)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Mortgage Letters&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Mortgage Letters&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.4% - 5.5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.50&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Equity instruments&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price Based&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;90% - 110%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;100.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(27.16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;27.16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Derivatives&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Cap&amp;amp;Floor&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility option model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;43.80&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.09)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.07&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;FX Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility option model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;42.30&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.33)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1% - 99%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50.40&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1.38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit Spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8.4bps - 19.2bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10.70bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2.42)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.644%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Portfolio/Instrument&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Valuation technique&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Main unobservable inputs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Range&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Weighted average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Impacts (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Unfavourable scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Favourable scenario&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Repos/Reverse repos&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Long-term repo spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.05)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Corporate debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 10%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5.10%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2.24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2.29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Government debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discount curve&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 8%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.00%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(9.21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;9.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;35.50%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1.32)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Derivatives&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Cap&amp;amp;Floor&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Forward estimation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2)bps - 2bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;CCS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;158% - 165%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;161.50&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.01)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.01&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;CDS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;100% - 250%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;178.83&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.09)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EQ Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EQ option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 70%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;41.25&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.48)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EQ Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Local volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(21.54)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;21.54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;FX Forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Forward estimation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 15%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8.08&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.06)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.07&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;FX Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;FX option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 40%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;20.10&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.65)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Asset Swap model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2% - 8%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.78&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IR Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IR option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 30%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;17.34&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5% - n.a.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4.09)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;47.8% - 273.4%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;155.36&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1.91)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.74&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Swap rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1% - 99%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;49.58&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2.45)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2.41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Forward estimation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;60bps - 300bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;181.50bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(3.00)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.08&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Property derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)% - 5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(3.39)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Securitisation Swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Constant prepayment rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.63)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.63&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spreads&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.1% - 2.0%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.05&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.15)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Mortgage portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Black Scholes model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)% - 5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 8%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.96&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(3.63)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.55&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.643%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Portfolio/Instrument&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Valuation technique&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Main unobservable inputs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Range&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Weighted average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Impacts (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Unfavourable scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Favourable scenario&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Property securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Probability weighting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)% - 5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Equity instruments&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price Based&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;90% - 110%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;100.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(183.98)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;183.98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(18.61)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate curve&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.4% - 6.5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.95&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.17)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Margin of a reference portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1)bps - 1bps &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0bp&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(30.36)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;30.36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Forward estimation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;150bps - 232bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;150bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1.96)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Market price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Market price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)% - 20%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.01&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4.91)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Corporate debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Margin of a reference portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.01)% - 0.01%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.09)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.09&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Mortgage Letters&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Mortgage Letters&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.6% - 5.2%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.40&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Equity instruments&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price Based&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;90% - 110%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;100.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(37.56)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;37.56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Derivatives&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Cap&amp;amp;Floor&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility option model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;42.20&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.07&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;FX Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility option model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;45.30&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.03)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.02&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1% - 99%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;47.12&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4.77)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;34bps - 68bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;44bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4.09)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;For each instrument, the valuation technique, the unobservable inputs are shown in the 'Main observable inputs' column under probable scenarios, variation range, average value and impact resulting from valuing the position in the established maximum and minimum range. &lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;The breakdown of impacts is shown by type of instrument and unobservable inputs. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Zero impacts from fully hedged or back-to-back transactions have not been included in this exercise.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.643%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Portfolio/Instrument&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Valuation technique&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Main unobservable inputs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Range&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Weighted average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Impacts (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Unfavourable scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Favourable scenario&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Repos/Reverse repos&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Long-term repo spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.05)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Corporate debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 10%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5.06&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4.50)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Government debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discount curve&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 8%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.99&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(8.07)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8.02&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Derivatives&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;CCS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Forward estimation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(6)bps - 6bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.40&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.90)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.03&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;CDS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit default models&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Illiquid credit default spread curves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;100bps - 200bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;149.14&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EQ Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EQ option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 70%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;41.25&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.48)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EQ Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Local volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(21.54)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;21.54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;FX Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;FX option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 40%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;20.10&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.65)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Asset Swap model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2% - 8%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.78&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IR Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IR option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.0% - 30.0%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;17.34&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5% - n.a.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4.09)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;47.8% - 273.4%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;155.36&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1.91)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.74&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Swap rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.0% - 99.0%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;49.58&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2.45)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2.41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Forward estimation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5.2)bps - 5.2bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.09&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.03)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.03&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Prepayment modelling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Prepayment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2.5% - 9.0%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8.92&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.05&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Property derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)% - 5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(3.39)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Securitisation Swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Constant prepayment rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10.00% - 90.00%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.63)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.63&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Structured notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price based&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(10)% - 10%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1.53)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spreads&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.1% - 2%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.05&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.15)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Mortgage portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Black Scholes model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;(5)%- 5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 8%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.96&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(3.63)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.55&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.052%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Portfolio/Instrument&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Valuation technique&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Main unobservable inputs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Range&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Weighted average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Impacts (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Unfavourable scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Favourable scenario&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Property securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Probability weighting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)% - 5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Equity instruments&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price Based&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;90% - 110%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;100.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(183.98)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;183.98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a. &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(18.61)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate curve&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.4% - 6.5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.95&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.17)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Margin of a reference portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1)bp - 1bp&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0bp&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(30.36)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;30.36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Forward estimation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;150.0bps - 232.0bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;150.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1.96)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Market price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Market price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)% - 20%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.01&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4.91)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Corporate debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Margin of a reference portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.01)% - 0.01%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.09)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.09&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Government debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 2%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.99&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Equity instruments&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price Based&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;90% - 110%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;100.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(37.56)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;37.56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Derivatives&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Cap&amp;amp;Floor&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility option model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;42.20&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.07&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;CMS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;47.66&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;FX Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility option model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;45.30&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.03)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.02&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;39.03&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4.09)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility option model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;35.55&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;For each instrument, the valuation technique, the unobservable inputs are shown in the 'Main observable inputs' column under probable scenarios, variation range, average value and impact resulting from valuing the position in the established maximum and minimum range. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;The breakdown of impacts is shown by type of instrument and unobservable inputs. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Zero impacts from fully hedged or back-to-back transactions have not been included in this exercise.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="iab10718821864526850bed361c0a67bb"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;2. Movement of financial instruments classified as Level 3&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Lastly, the changes in the financial instruments classified as Level 3 in 2025, 2024 and 2023 were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.238%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;01/01/2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31/12/2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value calculated using internal models (Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Purchases/&lt;br/&gt;Issuances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Sales/Settlements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in&lt;br/&gt;fair value&lt;br/&gt;recognised&lt;br/&gt;in profit or&lt;br/&gt;loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in&lt;br/&gt;fair value&lt;br/&gt;recognised&lt;br/&gt;in equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level&lt;br/&gt;reclassifications&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value&lt;br/&gt;calculated&lt;br/&gt;using&lt;br/&gt;internal&lt;br/&gt;models&lt;br/&gt;(level&#160;3)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,930&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,353&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,748)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;57&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(87)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,496&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central Banks&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;437&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;769&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(744)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,450&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,711)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(112)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(37)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;340&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Trading derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;947&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(181)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(47)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;971&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(81)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(30)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;551&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Index and securities options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;241&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(113)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate futures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives (Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;106&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;33&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(100)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(100)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,588&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;324&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(191)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;360&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;74&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,889&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(36)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(27)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(151)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;423&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,675&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,635&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(6,159)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(73)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;57&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,074)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,061&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,259&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,621)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(87)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;97&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(999)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,902&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,047&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;360&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(530)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(109)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,319&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,345&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(9,198)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;405&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(73)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(222)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,089)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,487&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;934&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;160&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(206)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(59)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;864&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Trading derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(206)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(59)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;864&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(88)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(90)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;97&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;79&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Index and securities options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(83)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(63)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Securities and interest rate futures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;82&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(76)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;166&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives (Liabilities)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;160&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(49)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(111)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities under insurance contracts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;246&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;227&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,352&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;160&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(256)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(101)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,110&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:15pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.238%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;01/01/2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31/12/2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value&lt;br/&gt;calculated&lt;br/&gt;using&lt;br/&gt;internal&lt;br/&gt;models&lt;br/&gt;(level&#160;3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Purchases&lt;br/&gt;/Issuances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Sales/Settlements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in&lt;br/&gt;fair value&lt;br/&gt;recognized&lt;br/&gt;in profit or&lt;br/&gt;loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in&lt;br/&gt;fair value&lt;br/&gt;recognized&lt;br/&gt;in equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level&lt;br/&gt;reclassifications&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value&lt;br/&gt;calculated&lt;br/&gt;using&lt;br/&gt;internal&lt;br/&gt;models&lt;br/&gt;(level&#160;3)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,086&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,205&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(813)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;302&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(715)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(135)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,930&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;770&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;769&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;914&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;355&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(384)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(39)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(377)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(56)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Trading derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(405)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;350&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(338)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(79)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;947&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;577&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;184&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(278)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(152)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(42)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(74)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Index and securities options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(44)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(106)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;241&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;173&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(104)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives (Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;181&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;417&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(300)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(201)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;106&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;417&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(300)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(178)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,095&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;719&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(349)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;73&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;132&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(82)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,588&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;390&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(128)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(54)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(96)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(125)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;94&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,989&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,707&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(3,781)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(136)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(110)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,675&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,938&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,685)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;743&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(81)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(74)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(106)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,047&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(105)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,351&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,048&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5,243)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;403&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(136)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(779)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(325)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,319&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;869&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;472&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(200)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(95)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;154&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;934&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Trading derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;869&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;472&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(200)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(95)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;154&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;388&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;371&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(205)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(105)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(54)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;79&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Index and securities options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;187&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;113&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(107)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(108)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;109&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;82&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives (Liabilities)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;29&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;41&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;94&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;160&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities under insurance contracts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;323&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;246&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,227&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;513&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(205)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(120)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(172)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;109&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,352&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.238%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;01/01/2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31/12/2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value&lt;br/&gt;calculated&lt;br/&gt;using&lt;br/&gt;internal&lt;br/&gt;models&lt;br/&gt;(level&#160;3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Purchases/&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Issuances&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Sales/Settlements&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in&lt;br/&gt;fair value&lt;br/&gt;recognised&lt;br/&gt;in profit or&lt;br/&gt;loss&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in&lt;br/&gt;fair value&lt;br/&gt;recognised&lt;br/&gt;in equity&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level&lt;br/&gt;reclassifications&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value&lt;br/&gt;calculated&lt;br/&gt;using&lt;br/&gt;internal&lt;br/&gt;models&lt;br/&gt;(level&#160;3)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;383&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;496&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(149)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;194&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,162&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,086&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(63)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;914&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Trading derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;340&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;347&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(86)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;90&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;179&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;577&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Index and securities options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(78)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;173&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;427&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;51&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;22&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(298)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;181&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;422&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(298)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,833&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;345&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(238)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;107&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;54&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,095&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;239&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(73)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(48)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,269&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(117)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,647&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,322&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(3,411)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(204)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;231&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;404&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,989&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,718&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,408)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,938&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;700&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(245)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,290&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,214&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(3,798)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;280&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(204)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,409&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;160&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,351&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;415&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;276&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(167)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(118)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;476&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;869&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Trading derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;415&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(167)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(118)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;476&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;869&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(83)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(58)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;257&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;388&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Index and securities options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;88&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;82&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;187&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;119&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(66)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives (Liabilities)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;151&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;32&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(151)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;29&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities under insurance contracts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;345&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;323&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;925&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;308&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(318)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(124)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;471&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,227&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory>
    <san:DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesTableTextBlock contextRef="c-1" id="f-11155">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table summarises the fair values, at the end of each of the years indicated, of the financial assets and liabilities listed below, classified according to the different valuation methodologies used by the Group to determine their fair value:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:28.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.163%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Published&lt;br/&gt;price&lt;br/&gt;quotations&lt;br/&gt;in active&lt;br/&gt;markets&lt;br/&gt;(level 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Internal&lt;br/&gt;Models&lt;br/&gt;(level 2&lt;br/&gt;and 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Published&lt;br/&gt;price&lt;br/&gt;quotations&lt;br/&gt;in active&lt;br/&gt;markets&lt;br/&gt;(level 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Internal&lt;br/&gt;Models&lt;br/&gt;(level 2&lt;br/&gt;and 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Published&lt;br/&gt;price&lt;br/&gt;quotations&lt;br/&gt;in active&lt;br/&gt;markets&lt;br/&gt;(level 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Internal&lt;br/&gt;Models&lt;br/&gt;(level 2&lt;br/&gt;and 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;106,560&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;145,758&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;252,318&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;88,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;142,106&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;230,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;67,842&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;109,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;176,921&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,037&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,093&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,860&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,046&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,744&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,915&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,746&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,027&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;52,589&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,023&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;74,612&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;67,680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;89,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64,631&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;83,308&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedging derivatives (assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,931&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,931&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,672&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,672&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37,192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;134,354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171,546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,974&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;122,177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152,151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,298&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;101,972&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;122,270&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,148&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,148&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,360&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,360&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,342&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedging derivatives (liabilities)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,752&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,752&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,656&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,656&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Liabilities under insurance contracts&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt 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    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities
      contextRef="c-4775"
      decimals="-6"
      id="f-11224"
      unitRef="eur">17829000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-3" decimals="-6" id="f-11225" unitRef="eur">17829000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities
      contextRef="c-4777"
      decimals="-6"
      id="f-11226"
      unitRef="eur">17799000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <ifrs-full:InsuranceContractsIssuedThatAreLiabilities contextRef="c-4" decimals="-6" id="f-11227" unitRef="eur">17799000000</ifrs-full:InsuranceContractsIssuedThatAreLiabilities>
    <san:FinancialInstrumentsManagementNumberOfIndependentDivisions
      contextRef="c-2"
      decimals="INF"
      id="f-11228"
      unitRef="independent_division">2</san:FinancialInstrumentsManagementNumberOfIndependentDivisions>
    <ifrs-full:AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets contextRef="c-2" decimals="-6" id="f-11229" unitRef="eur">224000000</ifrs-full:AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets>
    <san:FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease contextRef="c-1" decimals="3" id="f-11230" unitRef="number">-0.176</san:FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease>
    <ifrs-full:AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability contextRef="c-2" decimals="-6" id="f-11231" unitRef="eur">285000000</ifrs-full:AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability>
    <san:FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease contextRef="c-1" decimals="3" id="f-11232" unitRef="number">-0.101</san:FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease>
    <ifrs-full:AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets contextRef="c-3" decimals="-6" id="f-11233" unitRef="eur">272000000</ifrs-full:AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets>
    <san:FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease
      contextRef="c-86"
      decimals="3"
      id="f-11234"
      unitRef="number">-0.072</san:FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease>
    <ifrs-full:AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability contextRef="c-3" decimals="-6" id="f-11235" unitRef="eur">317000000</ifrs-full:AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability>
    <san:FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease
      contextRef="c-86"
      decimals="3"
      id="f-11236"
      unitRef="number">-0.039</san:FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease>
    <ifrs-full:AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets contextRef="c-4" decimals="-6" id="f-11237" unitRef="eur">293000000</ifrs-full:AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets>
    <san:FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease
      contextRef="c-87"
      decimals="3"
      id="f-11238"
      unitRef="number">-0.165</san:FinancialInstrumentsCreditValuationAdjustmentIncreaseDecrease>
    <ifrs-full:AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability contextRef="c-4" decimals="-6" id="f-11239" unitRef="eur">330000000</ifrs-full:AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability>
    <san:FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease
      contextRef="c-87"
      decimals="3"
      id="f-11240"
      unitRef="number">-0.093</san:FinancialInstrumentsDebtValuationAdjustmentIncreaseDecrease>
    <san:DisclosureOfFairValueOfFinancialInstrumentsMeasurementBasedOnInternalModelsTableTextBlock contextRef="c-1" id="f-11241">&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Set forth below are the financial instruments at fair value whose measurement was based on internal models (levels 2 and 3) at 31 December 2025, 2024 and 2023:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:5pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.087%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair&#160;values&#160;calculated&lt;br/&gt;using internal models at&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level&#160;2 &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level&#160;3 &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Valuation&#160;techniques&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Main assumptions&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;163,796&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,487&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;139,293&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,496&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,986&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt and equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,470&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;340&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,831&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;971&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39,716&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;551&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method, Gaussian Copula&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices, HPI, Basis, Liquidity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black-Scholes Model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, Volatility surfaces, FX market prices, Liquidity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,490&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black's Model, multifactorial advanced models interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, Volatility surfaces, FX market prices, Liquidity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate forwards&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Index and securities options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;439&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black's Model, multifactorial advanced models interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, Volatility surfaces, FX &amp;amp; EQ market prices, Dividends,  Liquidity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method, Advanced stochastic volatility models and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, Volatility surfaces, FX and EQ market prices, Dividends, Correlation, HPI, Credit, Others&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,924&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,690&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices, Basis&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;91&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black's Model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices, Volatility surfaces&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;143&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method, Advanced stochastic volatility models and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, Volatility surfaces, FX market prices, Credit, Liquidity, Others&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,465&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,889&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;899&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Market price, Interest rates curves, Dividends and Others&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and receivables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,512&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method, swap asset model &amp;amp; CDS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves and Credit curves&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,152&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices, HPI&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,725&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets  at fair value through other comprehensive  income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,962&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,061&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, Market price, Dividends and Others&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,819&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and receivables&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,902&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices and Credit curves&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.799%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.989%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.989%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.541%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.490%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair&#160;values&#160;calculated&lt;br/&gt;using internal models at&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level&#160;2 &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level&#160;3 &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Valuation&#160;techniques&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Main assumptions&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;LIABILITIES&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;198,377&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,110&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;133,490&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;864&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;FX market prices, Yield curves&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;FX market prices, Yield curves&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;FX market prices, Yield curves&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;864&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;33,597&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method, Gaussian Copula&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices, Basis, Liquidity, HPI&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;903&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black's Model, multifactorial advanced models interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, Volatility surfaces, FX &amp;amp; EQ market prices, Dividends,  Liquidity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Forwards on interest rate and variable income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,951&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black-Scholes Model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, Volatility surfaces, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Index and securities options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,094&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black-Scholes Model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices, Liquidity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate and equity futures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;121&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, Volatility surfaces, FX &amp;amp; EQ market prices, Dividends, Correlation, Liquidity, HPI&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,582&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;166&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method, Advanced stochastic volatility models and others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves, Volatility surfaces, FX &amp;amp; EQ market prices, Dividends, Correlation, HPI, Credit, Others&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Short positions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,679&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves ,FX market prices, Equity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,229&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black's Model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves , Volatility surfaces, FX market prices and Liquidity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;38&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method, Advanced stochastic volatility models and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Yield curves , Volatility surfaces, FX market prices, Credit, Liquidity, Other&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;42,148&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:105%"&gt;Yield curves, FX market prices&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities under insurance contracts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,510&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;227&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Present Value Method with actuarial techniques&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:105%"&gt;Mortality tables and interest rate curves&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Level 2 internal models use data based on observable market parameters, while level 3 internal models use significant non-observable inputs in market data.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Includes mainly temporary acquisitions/disposals of assets with corporate clients and, to a lesser extent, with central banks.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Includes mainly syndicated loans under the HTC&amp;amp;S business model.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;It mainly includes short-term deposits that are managed based on their fair value.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:28.090%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair values calculated&lt;br/&gt;using internal models at&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair values calculated&lt;br/&gt;using internal models at&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Valuation techniques&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;163,941&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,319&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;133,874&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,351&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;138,176&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,930&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;106,993&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,086&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,966&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,717&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;769&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,061&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,602&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,801&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt and equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;413&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,683&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;915&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,947&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;947&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,147&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;47,519&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;556&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;44,987&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;577&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method, Gaussian Copula&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,583&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;836&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black-Scholes Model&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,879&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;153&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black's Model, advanced multifactor interest rate models&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate forwards&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,445&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Index and securities options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;241&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;235&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black's Model, advanced multifactor interest rate models&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,056&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;118&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,922&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;173&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method, Advanced stochastic volatility models and other&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,652&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,297&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,390&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black&#x2019;s Model&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;260&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;630&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method, Advanced stochastic volatility models and other&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,505&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,588&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,050&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,095&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;763&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;205&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;539&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and receivables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;537&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;696&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method, swap asset model &amp;amp; CDS&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,065&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;106&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,846&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;181&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;408&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;459&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,590&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,189&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;67&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets  at fair value through other comprehensive  income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,543&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,675&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,688&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,989&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,644&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,047&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,638&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and receivables&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,045&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,938&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.053%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair values calculated&lt;br/&gt;using internal models at&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair values calculated&lt;br/&gt;using internal models at&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Valuation techniques&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;179,766&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,352&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;166,542&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,227&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;121,243&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;934&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;101,103&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;869&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17,862&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,984&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,837&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,205&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;934&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;49,380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;869&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;41,283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;479&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39,395&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;388&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method, Gaussian Copula&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,295&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;79&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,207&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black's Model, advanced multifactor interest rate models&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;549&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black-Scholes Model&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Index and securities options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;294&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;466&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;187&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black's Model, advanced multifactor interest rate models&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Forwards on interest rate and variable income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,134&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;82&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,662&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method, Advanced stochastic volatility models and other&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Short positions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,470&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,740&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,650&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,866&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Black&#x2019;s Model&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;119&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method, Advanced stochastic volatility models and other&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;36,200&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;160&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;40,313&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;29&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities under insurance contracts&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,583&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;246&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,476&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;323&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Present Value method with actuarial techniques&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Level 2 internal models use data based on observable market parameters, while level 3 internal models use significant non-observable inputs in market data.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Includes mainly temporary acquisitions/disposals of assets with corporate clients and, to a lesser extent, with central banks. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Includes mainly syndicated loans under the HTC&amp;amp;S business model.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Includes, mainly, short-term deposits that are managed based on their fair value.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfFairValueOfFinancialInstrumentsMeasurementBasedOnInternalModelsTableTextBlock>
    <ifrs-full:FinancialAssetsAtFairValue
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    <ifrs-full:FinancialAssetsAtFairValue
      contextRef="c-4779"
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      id="f-11243"
      unitRef="eur">18487000000</ifrs-full:FinancialAssetsAtFairValue>
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      contextRef="c-4780"
      decimals="-6"
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    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5017"
      decimals="-6"
      id="f-11487"
      unitRef="eur">139000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5018"
      decimals="-6"
      id="f-11488"
      unitRef="eur">1057000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5019"
      decimals="-6"
      id="f-11489"
      unitRef="eur">0</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5020"
      decimals="-6"
      id="f-11490"
      unitRef="eur">549000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5021"
      decimals="-6"
      id="f-11491"
      unitRef="eur">8000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5022"
      decimals="-6"
      id="f-11492"
      unitRef="eur">1160000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5023"
      decimals="-6"
      id="f-11493"
      unitRef="eur">294000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5024"
      decimals="-6"
      id="f-11494"
      unitRef="eur">466000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5025"
      decimals="-6"
      id="f-11495"
      unitRef="eur">187000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5026"
      decimals="-6"
      id="f-11496"
      unitRef="eur">1276000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5027"
      decimals="-6"
      id="f-11497"
      unitRef="eur">0</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5028"
      decimals="-6"
      id="f-11498"
      unitRef="eur">101000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5029"
      decimals="-6"
      id="f-11499"
      unitRef="eur">0</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5030"
      decimals="-6"
      id="f-11500"
      unitRef="eur">9134000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5031"
      decimals="-6"
      id="f-11501"
      unitRef="eur">82000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5032"
      decimals="-6"
      id="f-11502"
      unitRef="eur">6662000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5033"
      decimals="-6"
      id="f-11503"
      unitRef="eur">147000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5034"
      decimals="-6"
      id="f-11504"
      unitRef="eur">6470000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5035"
      decimals="-6"
      id="f-11505"
      unitRef="eur">0</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5036"
      decimals="-6"
      id="f-11506"
      unitRef="eur">6216000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5037"
      decimals="-6"
      id="f-11507"
      unitRef="eur">0</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5038"
      decimals="-6"
      id="f-11508"
      unitRef="eur">4740000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5039"
      decimals="-6"
      id="f-11509"
      unitRef="eur">12000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5040"
      decimals="-6"
      id="f-11510"
      unitRef="eur">7650000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5041"
      decimals="-6"
      id="f-11511"
      unitRef="eur">6000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5042"
      decimals="-6"
      id="f-11512"
      unitRef="eur">4618000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5043"
      decimals="-6"
      id="f-11513"
      unitRef="eur">12000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5044"
      decimals="-6"
      id="f-11514"
      unitRef="eur">6866000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5045"
      decimals="-6"
      id="f-11515"
      unitRef="eur">6000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5046"
      decimals="-6"
      id="f-11516"
      unitRef="eur">3000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5047"
      decimals="-6"
      id="f-11517"
      unitRef="eur">0</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5048"
      decimals="-6"
      id="f-11518"
      unitRef="eur">1000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5049"
      decimals="-6"
      id="f-11519"
      unitRef="eur">0</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5050"
      decimals="-6"
      id="f-11520"
      unitRef="eur">119000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5051"
      decimals="-6"
      id="f-11521"
      unitRef="eur">0</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5052"
      decimals="-6"
      id="f-11522"
      unitRef="eur">783000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5053"
      decimals="-6"
      id="f-11523"
      unitRef="eur">0</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5054"
      decimals="-6"
      id="f-11524"
      unitRef="eur">36200000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5055"
      decimals="-6"
      id="f-11525"
      unitRef="eur">160000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5056"
      decimals="-6"
      id="f-11526"
      unitRef="eur">40313000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5057"
      decimals="-6"
      id="f-11527"
      unitRef="eur">29000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5058"
      decimals="-6"
      id="f-11528"
      unitRef="eur">17583000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5059"
      decimals="-6"
      id="f-11529"
      unitRef="eur">246000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5060"
      decimals="-6"
      id="f-11530"
      unitRef="eur">17476000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-5061"
      decimals="-6"
      id="f-11531"
      unitRef="eur">323000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <san:GainsLossesRecognisedInProfitOrLossFairValueMeasurement contextRef="c-1" decimals="-6" id="f-11532" unitRef="eur">469000000</san:GainsLossesRecognisedInProfitOrLossFairValueMeasurement>
    <san:GainsLossesRecognisedInProfitOrLossFairValueMeasurement contextRef="c-86" decimals="-6" id="f-11533" unitRef="eur">523000000</san:GainsLossesRecognisedInProfitOrLossFairValueMeasurement>
    <san:GainsLossesRecognisedInProfitOrLossFairValueMeasurement contextRef="c-87" decimals="-6" id="f-11534" unitRef="eur">404000000</san:GainsLossesRecognisedInProfitOrLossFairValueMeasurement>
    <san:DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementsOfAssetsAndLiabilitiesTableTextBlock contextRef="c-1" id="f-11535">&lt;div style="margin-bottom:9pt;padding-right:260.79pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The table below shows the effect, at 31 December 2025, 2024 and 2023 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:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.644%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Portfolio/Instrument&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Valuation technique&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Main unobservable inputs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Range&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Weighted average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Impacts (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Unfavourable scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Favourable scenario&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Repos/Reverse repos&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Market proxy&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price / Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(10.50)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10.50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Corporate debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 10%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5.10%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2.24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2.29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Government debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discount curve&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 8%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.00%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(9.21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;9.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;35.50%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1.32)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Derivatives&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Cap&amp;amp;Floor&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Modelo de Black Scholes&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(6.50)bps - 6.50bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;CCS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;146.3% - 148.3%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;147.30&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.01)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.01&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EQ Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EQ option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 70%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;40.50&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.17)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EQ Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Local volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(18.86)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;18.86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Fx Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Fx option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 40%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;19.80&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;FX Forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Forward estimation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 15%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8.10&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.01)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.02&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Asset Swap model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2% - 8%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.90&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.18)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IR Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IR option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 30%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14.80&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.19)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IR Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;INF option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 30%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14.90&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.63)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.63&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5% - n.a.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(11.24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8.23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;19.6% - 127.5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50.50&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.84&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.0% - 99.0%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;99.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Forward estimation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;60bps - 300bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;179.80bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(3.48)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Property derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)% - 5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2.64)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2.64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Securitisation Swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Constant prepayment rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spreads&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.1% - 3%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.60&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.12)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Mortgage portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Black Scholes model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)% - 5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.23)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 8%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.10&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.643%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Portfolio/Instrument&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Valuation technique&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Main unobservable inputs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Range&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Weighted average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Impacts (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Unfavourable scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Favourable scenario&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Property securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Probability weighting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)% - 5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Equity instruments&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price Based&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;90% - 110%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;100.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(254.29)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;254.29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2.33)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2.33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate curve&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;6.1% - 7.2%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;6.60&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Margin of a reference portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3% - 7%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.25)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Present value method&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;121.9bps - 174.7 bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;121.9bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Market price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Market price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.3)% - 0.1%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.30&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2.70)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Mortgage Letters&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Mortgage Letters&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.4% - 5.5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.50&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Equity instruments&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price Based&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;90% - 110%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;100.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(27.16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;27.16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Derivatives&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Cap&amp;amp;Floor&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility option model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;43.80&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.09)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.07&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;FX Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility option model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;42.30&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.33)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1% - 99%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50.40&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1.38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit Spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8.4bps - 19.2bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10.70bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2.42)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.644%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Portfolio/Instrument&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Valuation technique&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Main unobservable inputs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Range&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Weighted average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Impacts (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Unfavourable scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Favourable scenario&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Repos/Reverse repos&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Long-term repo spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.05)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Corporate debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 10%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5.10%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2.24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2.29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Government debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discount curve&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 8%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.00%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(9.21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;9.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;35.50%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1.32)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Derivatives&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Cap&amp;amp;Floor&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Forward estimation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2)bps - 2bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;CCS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;158% - 165%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;161.50&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.01)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.01&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;CDS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;100% - 250%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;178.83&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.09)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EQ Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EQ option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 70%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;41.25&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.48)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EQ Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Local volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(21.54)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;21.54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;FX Forward&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Forward estimation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 15%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8.08&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.06)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.07&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;FX Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;FX option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 40%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;20.10&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.65)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Asset Swap model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2% - 8%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.78&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IR Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IR option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 30%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;17.34&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5% - n.a.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4.09)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;47.8% - 273.4%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;155.36&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1.91)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.74&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Swap rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1% - 99%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;49.58&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2.45)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2.41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Forward estimation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;60bps - 300bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;181.50bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(3.00)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.08&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Property derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)% - 5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(3.39)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Securitisation Swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Constant prepayment rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.63)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.63&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spreads&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.1% - 2.0%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.05&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.15)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Mortgage portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Black Scholes model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)% - 5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 8%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.96&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(3.63)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.55&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.643%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Portfolio/Instrument&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Valuation technique&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Main unobservable inputs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Range&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Weighted average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Impacts (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Unfavourable scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Favourable scenario&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Property securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Probability weighting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)% - 5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Equity instruments&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price Based&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;90% - 110%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;100.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(183.98)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;183.98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(18.61)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate curve&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.4% - 6.5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.95&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.17)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Margin of a reference portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1)bps - 1bps &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0bp&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(30.36)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;30.36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Forward estimation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;150bps - 232bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;150bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1.96)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Market price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Market price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)% - 20%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.01&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4.91)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Corporate debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Margin of a reference portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.01)% - 0.01%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.09)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.09&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Mortgage Letters&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Mortgage Letters&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.6% - 5.2%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.40&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Equity instruments&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #929292;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price Based&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;90% - 110%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;100.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(37.56)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;37.56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Derivatives&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Cap&amp;amp;Floor&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility option model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;42.20&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.07&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;FX Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility option model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;45.30&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.03)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.02&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1% - 99%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;47.12&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4.77)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;34bps - 68bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;44bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4.09)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;For each instrument, the valuation technique, the unobservable inputs are shown in the 'Main observable inputs' column under probable scenarios, variation range, average value and impact resulting from valuing the position in the established maximum and minimum range. &lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;The breakdown of impacts is shown by type of instrument and unobservable inputs. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Zero impacts from fully hedged or back-to-back transactions have not been included in this exercise.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.643%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Portfolio/Instrument&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Valuation technique&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Main unobservable inputs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Range&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Weighted average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Impacts (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Unfavourable scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Favourable scenario&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Repos/Reverse repos&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Long-term repo spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.05)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Corporate debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 10%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5.06&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4.50)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Government debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discount curve&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 8%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.99&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(8.07)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8.02&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Derivatives&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;CCS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Forward estimation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(6)bps - 6bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.40&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.90)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.03&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;CDS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit default models&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Illiquid credit default spread curves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;100bps - 200bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;149.14&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EQ Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EQ option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 70%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;41.25&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.48)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;EQ Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Local volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(21.54)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;21.54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;FX Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;FX option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 40%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;20.10&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.65)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Asset Swap model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2% - 8%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.78&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IR Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IR option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.0% - 30.0%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;17.34&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5% - n.a.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4.09)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;47.8% - 273.4%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;155.36&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1.91)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.74&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Swap rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.0% - 99.0%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;49.58&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(2.45)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2.41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Forward estimation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5.2)bps - 5.2bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.09&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.03)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.03&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Prepayment modelling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Prepayment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2.5% - 9.0%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8.92&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.05&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Property derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Option pricing model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)% - 5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(3.39)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Securitisation Swap&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Constant prepayment rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10.00% - 90.00%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.63)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.63&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Structured notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price based&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(10)% - 10%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1.53)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spreads&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.1% - 2%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.05&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.15)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Mortgage portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Black Scholes model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;(5)%- 5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#242424;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 8%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.96&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(3.63)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.55&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.052%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Portfolio/Instrument&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Valuation technique&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Main unobservable inputs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Range&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Weighted average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Impacts (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;(Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Unfavourable scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Favourable scenario&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Property securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Probability weighting&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Growth rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)% - 5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Equity instruments&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price Based&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;90% - 110%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;100.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(183.98)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;183.98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a. &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;n.a.&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(18.61)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate curve&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3.4% - 6.5%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4.95&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.17)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Margin of a reference portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1)bp - 1bp&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0bp&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(30.36)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;30.36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Forward estimation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;150.0bps - 232.0bps&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;150.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(1.96)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Market price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Market price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(5)% - 20%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.01&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4.91)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Debt securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Corporate debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Margin of a reference portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.01)% - 0.01%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.09)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.09&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Government debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0% - 2%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.99&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Equity instruments&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price Based&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Price&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;90% - 110%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;100.00&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(37.56)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;37.56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt;padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:121%"&gt;Derivatives&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Cap&amp;amp;Floor&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility option model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;42.20&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.07&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;CMS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;47.66&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;FX Options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility option model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;45.30&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.03)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.02&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;IRS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Discounted Cash Flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Inflation Swap Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;39.03&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(4.09)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1.65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility option model&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Volatility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;10% - 90%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;35.55&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;(0.21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;0.10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;For each instrument, the valuation technique, the unobservable inputs are shown in the 'Main observable inputs' column under probable scenarios, variation range, average value and impact resulting from valuing the position in the established maximum and minimum range. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;The breakdown of impacts is shown by type of instrument and unobservable inputs. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander 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    <san:DisclosureOfChangesInFairValueOfFinancialAssetsAndLiabilitiesCalculatedUsingInternalModelsTableTextBlock contextRef="c-1" id="f-12047">&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Lastly, the changes in the financial instruments classified as Level 3 in 2025, 2024 and 2023 were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.238%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;01/01/2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31/12/2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value calculated using internal models (Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Purchases/&lt;br/&gt;Issuances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Sales/Settlements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in&lt;br/&gt;fair value&lt;br/&gt;recognised&lt;br/&gt;in profit or&lt;br/&gt;loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in&lt;br/&gt;fair value&lt;br/&gt;recognised&lt;br/&gt;in equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level&lt;br/&gt;reclassifications&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value&lt;br/&gt;calculated&lt;br/&gt;using&lt;br/&gt;internal&lt;br/&gt;models&lt;br/&gt;(level&#160;3)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,930&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,353&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,748)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;57&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(87)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,496&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central Banks&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;437&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;769&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(744)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,450&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,711)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(112)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(37)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;340&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Trading derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;947&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(181)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(47)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;971&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(81)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(30)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;551&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Index and securities options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;241&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(113)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate futures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives (Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;106&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;33&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(100)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(100)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,588&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;324&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(191)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;360&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;74&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,889&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(36)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(27)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(151)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;423&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,675&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,635&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(6,159)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(73)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;57&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,074)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,061&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,259&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,621)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(87)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;97&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(999)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,902&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,047&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;360&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(530)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(109)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,319&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,345&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(9,198)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;405&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(73)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(222)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,089)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,487&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;934&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;160&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(206)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(59)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;864&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Trading derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(206)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(59)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;864&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(88)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(90)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;97&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;79&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Index and securities options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(83)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(63)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Securities and interest rate futures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;82&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(76)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;166&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives (Liabilities)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;160&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(49)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(111)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities under insurance contracts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;246&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;227&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,352&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;160&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(256)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(101)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,110&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:15pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.238%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;01/01/2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31/12/2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value&lt;br/&gt;calculated&lt;br/&gt;using&lt;br/&gt;internal&lt;br/&gt;models&lt;br/&gt;(level&#160;3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Purchases&lt;br/&gt;/Issuances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Sales/Settlements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in&lt;br/&gt;fair value&lt;br/&gt;recognized&lt;br/&gt;in profit or&lt;br/&gt;loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in&lt;br/&gt;fair value&lt;br/&gt;recognized&lt;br/&gt;in equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level&lt;br/&gt;reclassifications&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value&lt;br/&gt;calculated&lt;br/&gt;using&lt;br/&gt;internal&lt;br/&gt;models&lt;br/&gt;(level&#160;3)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,086&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,205&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(813)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;302&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(715)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(135)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,930&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;770&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;769&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;914&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;355&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(384)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(39)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(377)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(56)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Trading derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(405)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;350&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(338)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(79)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;947&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;577&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;184&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(278)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(152)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(42)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(74)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Index and securities options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(44)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(106)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;241&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;173&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(104)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives (Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;181&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;417&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(300)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(201)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;106&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(23)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;417&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(300)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(178)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,095&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;719&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(349)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;73&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;132&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(82)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,588&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;390&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(128)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(54)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(96)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(125)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;94&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,989&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,707&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(3,781)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(136)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(110)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,675&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,938&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,685)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;743&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(81)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(74)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(106)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,047&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(105)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,351&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,048&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5,243)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;403&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(136)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(779)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(325)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,319&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;869&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;472&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(200)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(95)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;154&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;934&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Trading derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;869&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;472&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(200)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(95)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;154&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;388&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;371&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(205)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(105)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(54)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;79&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Index and securities options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;187&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;113&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(107)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(108)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;109&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;82&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives (Liabilities)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;29&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;41&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;94&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;160&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities under insurance contracts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;323&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ee2724;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ee2724;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;246&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,227&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;513&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(205)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(120)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(172)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;109&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,352&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.238%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;01/01/2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31/12/2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value&lt;br/&gt;calculated&lt;br/&gt;using&lt;br/&gt;internal&lt;br/&gt;models&lt;br/&gt;(level&#160;3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Purchases/&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Issuances&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Sales/Settlements&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in&lt;br/&gt;fair value&lt;br/&gt;recognised&lt;br/&gt;in profit or&lt;br/&gt;loss&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in&lt;br/&gt;fair value&lt;br/&gt;recognised&lt;br/&gt;in equity&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Level&lt;br/&gt;reclassifications&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value&lt;br/&gt;calculated&lt;br/&gt;using&lt;br/&gt;internal&lt;br/&gt;models&lt;br/&gt;(level&#160;3)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;383&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;496&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(149)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;194&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,162&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,086&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(63)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;914&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Trading derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;340&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;347&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(86)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;90&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;179&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;577&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Index and securities options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(78)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;173&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;427&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;51&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;22&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(298)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;181&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;422&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(298)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,833&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;345&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(238)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;107&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;54&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,095&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;239&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(73)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(48)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,269&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(117)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,647&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,322&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(3,411)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(204)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;231&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;404&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,989&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,718&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,408)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,938&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;700&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(245)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,290&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,214&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(3,798)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;280&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(204)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,409&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;160&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,351&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;415&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;276&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(167)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(118)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;476&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;869&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Trading derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;415&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(167)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(118)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;476&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;869&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(83)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(58)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;257&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;388&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Exchange rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Interest rate options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Index and securities options&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;88&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;82&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;187&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;119&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(66)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives (Liabilities)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Swaps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;151&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;32&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(151)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;29&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities under insurance contracts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;345&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;323&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;925&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;308&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(318)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(124)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;471&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,227&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfChangesInFairValueOfFinancialAssetsAndLiabilitiesCalculatedUsingInternalModelsTableTextBlock>
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    <ifrs-full:FinancialAssetsAtFairValue
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    <san:DisclosureOfOtherInformationAboutFinancialAssetsAndLiabilitiesTextBlock contextRef="c-1" id="f-12846">Other disclosures&lt;div style="margin-bottom:6pt;margin-top:9pt;padding-right:263.62pt"&gt;&lt;span id="i543ba1124c584c5080bd8fbd4d60b3cc"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Residual maturity periods&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by maturity, of the balances of certain items in the consolidated balance sheet at 31 December 2025, 2024 and 2023 is presented below:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.133%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.438%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.438%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.438%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.438%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.438%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.438%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.439%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;On demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash, cash balances at Central Banks and other deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,012&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,690&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;72,331&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,631&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,619&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,239&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,873&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,696&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,451&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,026&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;851&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,870&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,691&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,450&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,906&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets&lt;br/&gt;at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;213,109&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;173,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;208,743&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;163,374&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;403,889&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,202,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,547&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,469&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,474&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;79,212&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;140,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;204,562&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;164,088&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;183,274&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;145,900&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;324,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,062,675&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,782&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,134&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;70&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,986&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,577&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,620&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,564&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,960&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61,513&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,597&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;163,160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;153,524&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;177,680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;143,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;311,647&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;985,176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;192,455&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;225,830&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;181,993&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;222,755&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;171,689&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;432,579&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,427,301&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;700,717&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;271,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;147,951&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;132,783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;72,048&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;96,319&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,421,184&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;688,927&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;223,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;96,132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37,030&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,443&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,072,384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;857&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,615&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,892&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,628&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,542&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,342&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,993&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,845&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,638&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;74,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;681,728&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;180,093&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;79,840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,371&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;979,150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,875&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48,971&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;94,735&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;67,848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;312,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,790&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,855&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;557&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,028&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,096&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;700,717&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;271,366&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;147,951&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;132,783&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;72,048&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;96,319&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,421,184&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Difference (assets less liabilities)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(508,262)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(45,536)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34,042&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;89,972&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;99,641&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;336,260&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,117&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Includes promissory notes, certificates of deposit and other short-term debt issues.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;See breakdown by type of debt (subordinated debt, senior unsecured debt, senior secured debt, notes and other securities) (see note 22).&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.236%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;On demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash, cash balances at Central Banks and other deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;192,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;192,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,902&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,344&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;87,705&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,072&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,449&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,623&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,277&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76,558&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,329&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,282&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,067&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;223&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;363&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,667&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets&lt;br/&gt;at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,652&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;208,565&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;167,974&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;220,871&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;176,710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;387,935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,203,707&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,628&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,041&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,071&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,705&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,504&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;120,949&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,652&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;198,937&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;153,933&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;203,800&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;154,005&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;330,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,082,758&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,067&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,179&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,166&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,760&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,843&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,010&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55,537&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,444&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;160,320&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;149,767&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;198,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152,162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;315,309&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,011,042&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;233,860&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;221,966&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;177,127&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;244,773&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;185,615&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;420,279&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,483,620&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities&lt;br/&gt;at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;720,659&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;256,651&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171,362&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;155,620&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;89,229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;90,801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,484,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;707,418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;213,220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;121,914&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,510&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,946&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,126,439&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,063&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,022&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,772&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,882&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,948&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,149&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,477&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,483&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;90,012&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;693,453&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;177,008&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;91,592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,004&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,455&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,011,545&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt&lt;br/&gt;securities&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,570&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;100,451&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;60,128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;73,841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;317,967&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.5pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,241&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,471&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,738&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,591&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39,916&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7.75pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;720,659&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;256,651&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;171,362&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;155,620&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;89,229&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;90,801&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,484,322&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Difference (assets less liabilities)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(486,799)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(34,685)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,765&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;89,153&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;96,386&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;329,478&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(702)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Includes promissory notes, certificates of deposit and other short-term debt issues.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.236%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;On demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash, cash balances at Central Banks and other deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;220,342&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;220,342&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,544&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,234&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,372&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;81,547&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,078&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,433&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,432&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,764&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,858&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;73,565&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;466&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,398&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,377&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;466&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,085&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,377&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,669&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets&lt;br/&gt;at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,687&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;202,066&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171,494&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;232,190&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;158,556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;386,410&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,191,403&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,608&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;103,559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,687&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;189,785&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;157,380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;213,582&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;147,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;339,135&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,087,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,730&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,352&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,082&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,671&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,917&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,904&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;144,384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;151,067&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;206,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;145,754&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;328,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,009,845&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;261,029&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;215,610&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;180,728&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;251,562&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;172,718&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;411,645&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,493,292&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities&lt;br/&gt;at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;711,093&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;246,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;182,516&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;161,784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;88,527&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;77,885&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,468,703&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;697,339&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;210,538&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;118,035&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,161&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,903&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,125,308&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;168&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,224&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,846&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48,782&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,572&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,990&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,390&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,434&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,963&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,897&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;81,246&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;690,599&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;164,324&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;89,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,052&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,617&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,984&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;995,280&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt&lt;br/&gt;securities&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,371&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;63,440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;92,554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,639&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61,204&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;303,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,754&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,989&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,041&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,727&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;778&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,187&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;711,093&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;246,898&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;182,516&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;161,784&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;88,527&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;77,885&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,468,703&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Difference (assets less liabilities)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(450,064)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(31,288)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,788)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;89,778&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;84,191&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;333,760&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;24,589&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Includes promissory notes, certificates of deposit and other short-term debt issues.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of the remaining contractual maturities of the existing financial liabilities at amortised cost at 31 December 2025, 2024 and 2023 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.961%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.034%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.034%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.034%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.034%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.034%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.034%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.035%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;On demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;687,708&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;221,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;95,553&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,937&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,204&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,423&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,068,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;857&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,497&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,892&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,627&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,454&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,298&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,993&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;74,642&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;680,553&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;177,997&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;79,295&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,363&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;975,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37,742&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,782&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;93,250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,071&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;66,107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;306,952&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,790&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,855&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;557&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,097&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;699,498&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;268,084&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;146,183&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;131,205&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;71,832&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;94,559&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,411,361&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.273%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;On demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;699,007&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;207,554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;117,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,090&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,796&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,102,126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,082&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,026&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,772&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,904&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,170&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,674&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,482&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;89,680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;685,356&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171,302&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;87,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,644&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,766&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,327&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;987,542&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48,973&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;102,306&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61,260&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;74,817&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;323,671&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,241&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,471&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,738&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,591&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39,916&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;712,248&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;251,730&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;167,875&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;154,134&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;88,099&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;91,627&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,465,713&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.273%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;On demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;698,595&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;204,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;109,311&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51,191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,585&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,099,444&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;168&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,334&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,853&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,846&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48,817&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,642&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,334&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,924&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,685&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80,548&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;691,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;158,025&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;81,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,266&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,256&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,865&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;970,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;91,492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,944&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;60,166&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;299,795&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,666&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,078&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,041&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,727&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;777&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,187&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;712,261&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;240,337&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;173,287&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;150,581&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;86,432&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;76,528&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,439,426&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Below is a breakdown of contractual maturities for the rest of financial assets and liabilities as of 31 December 2025, 2024 and 2023:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.721%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.763%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.763%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.763%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.763%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.763%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.764%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;FINANCIAL ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;85,732&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;38,979&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;35,639&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;22,880&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;69,088&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;252,318&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,579&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,967&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,348&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,015&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,355&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,030&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,030&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,666&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,749&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,034&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,501&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;98,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,263&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,257&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;816&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,542&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;73,365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,143&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,181&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;308&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,632&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,532&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,104&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;213&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,967&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,812&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,968&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;845&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;603&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,538&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,766&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;611&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;893&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,595&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;819&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,128&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,046&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;333&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;480&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,032&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;394&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;563&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;425&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,473&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;353&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;553&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,091&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;174&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;407&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,089&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,761&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;93&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;109&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;245&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;314&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,701&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;314&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,701&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,281&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,281&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,066&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;293&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;609&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;440&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,523&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,931&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in the fair value of hedged items in portfolio hedges of interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;63&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;72&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(46)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;50&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL FINANCIAL ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;88,478&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;40,402&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;38,233&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;24,211&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;83,063&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;274,387&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.616%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;FINANCIAL LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;131,052&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,783&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,084&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,642&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,985&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;171,546&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,339&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,403&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,051&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51,968&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Shorts positions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39,712&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;661&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,893&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,015&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;73,235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,410&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;113&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;75,563&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,759&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;770&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,410&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;113&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,091&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,717&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,015&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,934&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,849&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,633&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;42,148&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,785&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,921&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30,440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,086&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,086&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;914&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;341&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,424&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,785&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,154&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,074&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,930&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;838&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,482&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,744&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,712&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,686&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;447&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;681&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;735&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;917&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,468&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,248&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of hedged items in portfolio hedges of interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL FINANCIAL LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;151,200&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,504&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21,757&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,444&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,086&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;217,991&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;See breakdown by type of debt (subordinated debt, senior unsecured debt, senior secured debt, promissory notes and other securities) (see note 22).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:15pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.616%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans commitment granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;146,340&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,411&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45,392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,085&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,006&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;321,234&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial guarantees granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,348&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;630&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;650&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,449&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other commitments granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;102,278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,002&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,820&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,643&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;148,118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;MEMORANDUM ITEMS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;256,966&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;58,431&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;59,015&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;62,358&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;50,031&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;486,801&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the Group&#x2019;s experience, no outflows of cash or other financial assets take place prior to the contractual maturity date that might affect the information broken down above.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.709%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;FINANCIAL ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;64,300&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;56,571&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;33,945&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;24,504&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;50,933&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;230,253&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,231&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,504&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,676&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64,100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,930&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,319&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,944&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,148&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;82,646&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,762&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,950&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;66,871&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,241&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,725&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,966&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,088&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,314&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,949&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;745&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,591&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;152&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;750&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,421&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,075&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,517&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,915&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;342&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,897&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;408&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,167&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;395&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,991&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;353&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;408&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;408&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,638&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,610&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;794&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;29&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;102&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,197&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,130&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,641&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,641&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;447&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;755&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,042&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;755&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,042&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,193&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,193&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,786&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,423&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;957&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;800&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;706&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,672&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in the fair value of hedged items in portfolio hedges of interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(61)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(569)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(50)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(42)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(704)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL FINANCIAL ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;66,971&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;58,770&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;36,783&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26,431&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;62,504&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;251,459&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.709%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;FINANCIAL LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;100,071&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,537&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,244&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,530&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,769&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;152,151&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,946&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,812&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,753&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Shorts positions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,548&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,931&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,199&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;195&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,957&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,830&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,099&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,875&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,099&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,984&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,984&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,036&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,000&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,422&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,918&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,984&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;36,360&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,193&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,860&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,037&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;490&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,806&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,774&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,774&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,035&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;133&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,727&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,022&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,833&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;843&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,140&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,758&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;832&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;668&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;826&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;814&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,612&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,752&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of hedged items in portfolio hedges of interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL FINANCIAL LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;116,939&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,200&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21,505&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,309&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,301&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;193,254&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;See breakdown by type of debt (subordinated debt, senior unsecured debt, senior secured debt, promissory notes and other securities) (see note 22).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:15pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.518%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.630%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.630%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.630%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.630%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.630%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.632%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans commitment granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;133,084&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,747&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,157&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,285&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,588&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;302,861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial guarantees granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,691&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;796&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,901&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other commitments granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;92,172&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,681&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,032&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,411&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;134,493&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;MEMORANDUM ITEMS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;230,359&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;63,231&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;74,045&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;63,113&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,507&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;454,255&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.616%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;FINANCIAL ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;36,120&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;49,668&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,602&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,912&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;42,619&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;176,921&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,777&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,551&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,775&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,532&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,693&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,598&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,274&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,800&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,745&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,802&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,553&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;243&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,146&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,571&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,717&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,076&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,061&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,738&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,155&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,474&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,657&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;557&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,529&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,350&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,680&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,773&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;252&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,269&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;690&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;807&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,095&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;480&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,260&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;660&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,873&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,678&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;459&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,379&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;458&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,257&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;645&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,480&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,219&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;591&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,015&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,910&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,068&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,068&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;759&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;860&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;188&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;188&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,761&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,761&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,188&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;412&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,535&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;937&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,225&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,297&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in the fair value of hedged items in portfolio hedges of interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(237)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(225)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;156&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(402)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(80)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(788)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL FINANCIAL ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;39,319&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;50,565&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34,893&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,877&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;54,220&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;198,874&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.709%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;FINANCIAL LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;73,257&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,127&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,180&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,591&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,115&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;122,270&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,486&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,990&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,906&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50,589&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Shorts positions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,288&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;531&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,353&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;425&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45,507&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;425&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,862&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,693&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,144&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,837&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,190&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,583&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,863&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,359&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,372&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;40,367&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,688&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,459&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,223&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,288&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,161&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;84&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;372&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,735&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,351&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;277&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,916&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,052&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,640&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,021&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,084&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,371&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,525&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,064&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,577&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;878&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,612&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,656&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of hedged items in portfolio hedges of interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL FINANCIAL LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;97,971&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21,770&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;25,656&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,823&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,128&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;170,348&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;See breakdown by type of debt (subordinated debt, senior unsecured debt, senior secured debt, promissory notes and other securities) (see note 22).&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.709%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans commitment granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;125,083&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,658&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55,344&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,204&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;279,589&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial guarantees granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,870&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,734&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,654&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;686&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;491&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,435&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other commitments granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;81,146&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,448&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,699&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,386&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;113,273&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;MEMORANDUM ITEMS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;214,099&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;53,840&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;66,697&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;51,276&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;22,385&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;408,297&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i0f44b478a3a643188092d7aae3197740"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Equivalent euro value of assets and liabilities&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of the main foreign currency balances in the consolidated balance sheet, based on the nature of the related items, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.833%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;Equivalent&#160;value&#160;in EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="2" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash, cash balances at central banks and other deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;89,186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;109,932&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;114,410&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets/liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;136,499&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;75,272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;130,076&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;106,011&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;60,581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,530&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,291&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial assets/liabilities at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;666&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,943&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;793&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,699&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45,564&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;60,861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;60,516&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;745,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;777,226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;773,504&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Investments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,859&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,437&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,812&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,797&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,282&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,772&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;854,517&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;938,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;937,917&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Liabilities under insurance contracts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;227&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;261&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;330&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;96,469&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;82,901&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,891&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,236&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,740&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,143,907&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,027,860&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,141,184&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,051,550&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,120,947&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,037,267&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Includes the import of the Polish business held for sale.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt;padding-right:263.62pt"&gt;&lt;span id="i4b2ec453a7394e068d3a03550f2fecd2"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;c) Fair value of financial assets and liabilities not measured at fair value&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The fair value at year-end of the financial instruments (certain portfolios of loans and advances and debt securities, on the asset side, and deposits and debt securities, on the liability side) registered in the consolidated balance sheet at amortized cost is presented below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt;padding-right:263.62pt"&gt;&lt;span id="i49dadf88c4804c179c0246c901004c40"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;i) Financial assets measured at other than fair value&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.392%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.392%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.835%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="54" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,062,675&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,062,981&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;113,004&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;949,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,082,758&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,073,530&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;104,582&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;968,948&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,087,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,077,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;103,414&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;974,129&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;140,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;139,242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;103,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;14,100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;22,022&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;120,949&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;119,539&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;87,170&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;13,149&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;19,220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;103,559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;102,888&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;67,951&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;11,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;23,880&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,202,689&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,202,223&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;103,120&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;127,104&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;971,999&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,203,707&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,193,069&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;87,170&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;117,731&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;988,168&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,191,403&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,180,431&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;67,951&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;114,471&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;998,009&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ib9bfa59f3c714397a8ea183e6a194f2f"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii) Financial liabilities measured at other than fair value&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.689%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="54" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:0.75pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.22pt;font-weight:700;line-height:105%;position:relative;top:-2.27pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,072,384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,073,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;235,998&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;837,149&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,126,439&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,125,532&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;250,440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;875,092&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,125,308&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,124,373&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;263,428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;860,945&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;312,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;314,173&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;162,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;115,597&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;36,194&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;317,967&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;317,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;170,118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;112,365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;35,429&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;303,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;298,792&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;136,109&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;125,575&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;37,108&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,385,088&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,387,320&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;162,382&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;351,595&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;873,343&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,444,406&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,443,444&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;170,118&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;362,805&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;910,521&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,428,516&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,423,165&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;136,109&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;389,003&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;898,053&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:15pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;At 31 December 2025, Grupo Santander had other financial liabilities that amounted to EUR 36,096 million, EUR 39,916 million in 2024 and EUR 40,187 million in 2023.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; The main valuation methods and inputs used in the estimates at 31 December 2025 of the fair values of the financial assets and liabilities in the foregoing table were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Financial assets at amortised cost: the fair value was estimated using the present value method. The estimates were made considering factors such as the expected maturity of the portfolio, market interest rates, spreads on newly approved transactions or market spreads&#160;-when available-.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Financial liabilities at amortised cost:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;i) Deposits: the fair value of  short term  and on demand   deposits was taken to be their carrying amount. Factors such as the expected maturity of the transactions and the Group&#x2019;s current cost of funding in similar transactions are consider for the estimation of long term deposits fair value. It had been used also current rates offered for deposits of similar remaining maturities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;ii) Marketable debt securities and subordinated liabilities: the fair value was calculated based on market prices for these instruments&#160;-when available- or by the present value method using market interest rates and spreads, as well as using any significant input which is not observable with market data if applicable.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:9.07pt;text-indent:-9.07pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;iii) The fair value of cash, cash balances at central banks and other deposits on demand was taken to be their carrying amount since they are mainly short-term balances.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt;padding-left:9.07pt;text-indent:-9.07pt"&gt;&lt;span id="i64a6dfdfac4a49b4b0d087943e8ae11a"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;d) Offsetting of financial instruments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following is the detail of financial assets and liabilities that were offset in the consolidated balance sheets as of 31 December 2025, 2024 and 2023:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.430%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.134%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.136%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial assets&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial assets offset in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net amount of financial assets presented in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;117,733&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(55,447)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,286&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;217,509&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(76,535)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;140,974&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;335,242&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(131,982)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;203,260&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.517%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.430%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.828%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial assets&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial assets offset in the balance sheet&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net amount of financial assets presented in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152,331&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(82,559)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69,772&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;189,034&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(67,488)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;121,546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;341,365&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(150,047)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;191,318&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.517%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.430%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.828%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial assets&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial assets offset in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net amount of financial assets presented in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;149,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(87,883)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61,625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;179,580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(79,500)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;100,080&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;329,088&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(167,383)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;161,705&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:3pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.517%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.430%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.828%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial liabilities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial liabilities offset in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net amount of financial liabilities presented in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;111,664&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(55,447)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;246,961&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(76,535)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;170,426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;358,625&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(131,982)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;226,643&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.517%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.430%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.828%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial liabilities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial liabilities offset in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net amount of financial liabilities presented in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;145,064&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(82,559)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;223,141&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(67,488)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;155,653&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;368,205&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(150,047)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;218,158&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.517%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.430%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.828%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial liabilities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial liabilities offset in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net amount of financial liabilities presented in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;146,128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(87,883)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,245&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;212,840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(79,500)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;133,340&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;358,968&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(167,383)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;191,585&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, Grupo Santander has offset other items amounting to EUR 632 million (EUR 811 million and EUR 910 million at 31 December 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025 the balance sheet shows the amounts EUR&#160;192,621 million (EUR&#160;176,198 million and EUR 151,044 million at 31 December 2024 and 2023) on derivatives and repos as assets and EUR 220,296 million (EUR&#160;209,121 million and EUR 180,539 million at 31 December 2024 and 2023, respectively) on derivatives and repos as liabilities that are subject to netting and collateral arrangements.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;</san:DisclosureOfOtherInformationAboutFinancialAssetsAndLiabilitiesTextBlock>
    <san:DisclosureOfFinancialAssetsAndLiabilitiesMaturityPeriodsTableTextBlock contextRef="c-1" id="f-12847">&lt;div style="margin-bottom:9pt;margin-top:6pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by maturity, of the balances of certain items in the consolidated balance sheet at 31 December 2025, 2024 and 2023 is presented below:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.133%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.438%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.438%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.438%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.438%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.438%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.438%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.439%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;On demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash, cash balances at Central Banks and other deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,012&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,690&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;72,331&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,631&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,619&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,239&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,873&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,696&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,451&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,026&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;851&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,870&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,691&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,450&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,906&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets&lt;br/&gt;at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;213,109&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;173,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;208,743&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;163,374&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;403,889&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,202,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,547&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,469&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,474&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;79,212&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;140,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;204,562&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;164,088&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;183,274&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;145,900&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;324,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,062,675&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,782&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,134&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;70&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,986&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,577&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,620&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,564&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,960&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61,513&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,597&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;163,160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;153,524&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;177,680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;143,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;311,647&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;985,176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;192,455&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;225,830&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;181,993&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;222,755&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;171,689&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;432,579&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,427,301&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;700,717&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;271,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;147,951&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;132,783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;72,048&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;96,319&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,421,184&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;688,927&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;223,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;96,132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37,030&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,443&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,072,384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;857&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,615&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,892&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,628&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,542&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,342&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,993&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,845&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,638&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;74,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;681,728&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;180,093&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;79,840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,371&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;979,150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,875&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48,971&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;94,735&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;67,848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;312,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,790&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,855&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;557&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,028&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,096&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;700,717&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;271,366&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;147,951&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;132,783&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;72,048&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;96,319&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,421,184&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Difference (assets less liabilities)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(508,262)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(45,536)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34,042&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;89,972&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;99,641&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;336,260&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,117&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Includes promissory notes, certificates of deposit and other short-term debt issues.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;See breakdown by type of debt (subordinated debt, senior unsecured debt, senior secured debt, notes and other securities) (see note 22).&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.236%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;On demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash, cash balances at Central Banks and other deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;192,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;192,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,902&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,344&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;87,705&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,072&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,449&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,623&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,277&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76,558&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,329&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,282&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,067&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;223&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;363&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.08pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,667&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets&lt;br/&gt;at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,652&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;208,565&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;167,974&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;220,871&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;176,710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;387,935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,203,707&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,628&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,041&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,071&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,705&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,504&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;120,949&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,652&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;198,937&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;153,933&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;203,800&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;154,005&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;330,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,082,758&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,067&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,179&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,166&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,760&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,843&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,010&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55,537&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,444&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;160,320&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;149,767&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;198,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152,162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;315,309&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,011,042&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;233,860&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;221,966&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;177,127&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;244,773&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;185,615&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;420,279&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,483,620&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities&lt;br/&gt;at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;720,659&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;256,651&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171,362&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;155,620&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;89,229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;90,801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,484,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;707,418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;213,220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;121,914&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,510&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,946&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,126,439&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,063&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,022&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,772&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,882&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,948&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,149&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,477&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,483&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;90,012&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;693,453&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;177,008&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;91,592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,004&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,455&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,011,545&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt&lt;br/&gt;securities&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,570&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;100,451&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;60,128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;73,841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;317,967&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 8.5pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,241&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,471&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,738&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,591&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39,916&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 7.75pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;720,659&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;256,651&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;171,362&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;155,620&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;89,229&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;90,801&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,484,322&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Difference (assets less liabilities)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(486,799)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(34,685)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,765&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;89,153&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;96,386&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;329,478&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(702)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Includes promissory notes, certificates of deposit and other short-term debt issues.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.236%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;On demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash, cash balances at Central Banks and other deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;220,342&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;220,342&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,544&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,234&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,372&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;81,547&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,078&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,433&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,432&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,764&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,858&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;73,565&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;466&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,398&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,377&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;466&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,085&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,377&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,669&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets&lt;br/&gt;at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,687&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;202,066&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171,494&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;232,190&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;158,556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;386,410&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,191,403&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,608&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;103,559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,687&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;189,785&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;157,380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;213,582&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;147,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;339,135&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,087,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,730&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,352&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,082&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,671&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,917&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,904&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;144,384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;151,067&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;206,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;145,754&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;328,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,009,845&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;261,029&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;215,610&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;180,728&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;251,562&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;172,718&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;411,645&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,493,292&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities&lt;br/&gt;at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;711,093&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;246,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;182,516&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;161,784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;88,527&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;77,885&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,468,703&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;697,339&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;210,538&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;118,035&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,161&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,903&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,125,308&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;168&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,224&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,846&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48,782&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,572&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,990&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,390&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,434&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,963&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,897&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;81,246&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;690,599&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;164,324&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;89,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,052&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,617&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,984&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;995,280&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt&lt;br/&gt;securities&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,371&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;63,440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;92,554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,639&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61,204&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;303,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,754&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,989&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,041&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,727&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;778&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,187&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;711,093&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;246,898&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;182,516&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;161,784&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;88,527&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;77,885&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,468,703&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Difference (assets less liabilities)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(450,064)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(31,288)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,788)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;89,778&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;84,191&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;333,760&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;24,589&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Includes promissory notes, certificates of deposit and other short-term debt issues.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfFinancialAssetsAndLiabilitiesMaturityPeriodsTableTextBlock>
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    <san:ScheduleOfUndiscountedContractualMaturitiesOfFinancialLiabilitiesAtAmortizedCostByMaturityTableTextBlock contextRef="c-1" id="f-13303">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of the remaining contractual maturities of the existing financial liabilities at amortised cost at 31 December 2025, 2024 and 2023 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.961%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.034%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.034%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.034%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.034%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.034%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.034%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.035%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;On demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;687,708&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;221,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;95,553&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,937&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,204&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,423&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,068,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;857&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,497&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,892&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,627&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,454&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,298&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,993&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;74,642&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;680,553&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;177,997&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;79,295&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,363&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;975,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37,742&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,782&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;93,250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,071&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;66,107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;306,952&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,790&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,855&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;557&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,097&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;699,498&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;268,084&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;146,183&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;131,205&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;71,832&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;94,559&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,411,361&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.273%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;On demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;699,007&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;207,554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;117,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,090&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,796&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,102,126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,082&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,026&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,772&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,904&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,170&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,674&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,482&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;89,680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;685,356&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171,302&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;87,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,644&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,766&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,327&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;987,542&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48,973&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;102,306&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61,260&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;74,817&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;323,671&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,241&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,471&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,738&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,591&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39,916&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;712,248&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;251,730&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;167,875&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;154,134&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;88,099&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;91,627&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,465,713&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.273%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;On demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;698,595&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;204,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;109,311&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51,191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,585&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,099,444&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;168&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,334&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,853&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,846&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48,817&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,884&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,642&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,334&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,924&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,685&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80,548&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;691,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;158,025&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;81,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,266&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,256&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,865&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;970,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;91,492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,944&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;60,166&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;299,795&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,666&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,078&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,041&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,727&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;777&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,187&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid 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    <san:ScheduleOfMaturitiesOfFinancialAssetsLiabilitiesAndMemorandumItemsRecognisedAtOtherThanAmortisedCostTableTextBlock contextRef="c-1" id="f-13451">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Below is a breakdown of contractual maturities for the rest of financial assets and liabilities as of 31 December 2025, 2024 and 2023:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.721%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.763%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.763%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.763%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.763%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.763%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.764%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;FINANCIAL ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;85,732&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;38,979&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;35,639&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;22,880&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;69,088&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;252,318&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,579&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,967&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,348&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,015&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,355&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,030&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,030&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,666&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,749&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,034&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,501&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;98,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,263&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,257&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;816&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,542&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;73,365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,143&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,181&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;308&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,632&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,532&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,104&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;213&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,967&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,812&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,968&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;845&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;603&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,538&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,766&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;611&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;893&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,595&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;819&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,128&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,046&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;333&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;480&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,032&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;394&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;563&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;425&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,473&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;353&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;553&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,091&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;174&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;407&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,089&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,761&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;93&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;109&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;245&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;314&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,701&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;314&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,701&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,281&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,281&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,066&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;293&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;609&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;440&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,523&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,931&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in the fair value of hedged items in portfolio hedges of interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;63&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;72&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(46)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;50&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL FINANCIAL ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;88,478&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;40,402&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;38,233&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;24,211&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;83,063&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;274,387&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.616%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;FINANCIAL LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;131,052&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,783&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,084&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,642&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,985&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;171,546&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,339&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,403&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,051&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51,968&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Shorts positions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39,712&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;661&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,893&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,015&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;73,235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,410&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;113&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;75,563&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,759&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;770&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,410&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;113&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,091&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,717&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,015&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,934&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,849&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,633&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;42,148&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,785&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,452&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,921&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30,440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,086&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,086&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;914&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;341&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,424&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,785&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,154&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,074&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,930&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;838&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,482&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,744&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,712&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,686&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;447&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;681&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;735&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;917&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,468&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,248&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of hedged items in portfolio hedges of interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL FINANCIAL LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;151,200&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,504&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21,757&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,444&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,086&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;217,991&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;See breakdown by type of debt (subordinated debt, senior unsecured debt, senior secured debt, promissory notes and other securities) (see note 22).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:15pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.616%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans commitment granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;146,340&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,411&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45,392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,085&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,006&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;321,234&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial guarantees granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,348&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;630&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;650&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,449&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other commitments granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;102,278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,002&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,820&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,643&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;148,118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;MEMORANDUM ITEMS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;256,966&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;58,431&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;59,015&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;62,358&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;50,031&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;486,801&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the Group&#x2019;s experience, no outflows of cash or other financial assets take place prior to the contractual maturity date that might affect the information broken down above.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.709%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;FINANCIAL ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;64,300&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;56,571&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;33,945&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;24,504&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;50,933&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;230,253&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,231&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,504&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,676&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64,100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,930&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,319&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,944&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,148&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;82,646&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,762&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,950&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;66,871&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,241&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,725&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,966&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,088&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,314&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,949&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;745&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,591&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;152&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;750&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,421&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,075&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,517&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,915&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;342&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,897&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;408&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,167&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;395&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,991&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,018&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;353&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;408&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;408&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,638&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,610&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;794&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;29&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;102&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,197&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,130&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,641&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,641&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;447&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;755&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,042&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;755&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,042&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,193&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,193&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,786&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,423&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;957&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;800&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;706&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,672&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in the fair value of hedged items in portfolio hedges of interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(61)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(569)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(50)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(42)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(704)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL FINANCIAL ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;66,971&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;58,770&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;36,783&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26,431&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;62,504&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;251,459&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.709%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;FINANCIAL LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;100,071&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,537&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,244&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,530&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,769&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;152,151&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,946&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,812&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,753&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Shorts positions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,548&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,931&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,199&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;195&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,957&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,830&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,099&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,875&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,099&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,984&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,984&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,036&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,000&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,422&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,918&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,984&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;36,360&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,193&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,860&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,037&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;490&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,806&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,774&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,774&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,035&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;133&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,727&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,022&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,833&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;843&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,140&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,758&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;832&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;668&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;826&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;814&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,612&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,752&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of hedged items in portfolio hedges of interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL FINANCIAL LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;116,939&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,200&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21,505&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,309&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,301&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;193,254&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;See breakdown by type of debt (subordinated debt, senior unsecured debt, senior secured debt, promissory notes and other securities) (see note 22).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:15pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.518%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.630%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.630%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.630%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.630%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.630%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.632%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans commitment granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;133,084&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,747&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,157&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57,285&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,588&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;302,861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial guarantees granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,691&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;796&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,901&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other commitments granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;92,172&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,681&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,032&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,411&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;134,493&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;MEMORANDUM ITEMS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;230,359&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;63,231&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;74,045&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;63,113&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,507&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;454,255&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.427%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.614%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.616%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;FINANCIAL ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;36,120&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;49,668&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,602&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,912&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;42,619&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;176,921&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,777&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,551&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,775&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,532&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,693&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,598&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,274&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,800&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,745&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,802&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,553&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;243&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,146&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,571&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,717&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,076&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,061&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,738&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,155&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,474&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,657&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;557&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,529&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,350&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,680&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,773&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;252&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,269&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;690&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;807&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,095&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;480&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,260&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;660&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,873&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,678&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;459&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,379&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;458&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,257&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;645&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,480&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,219&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;591&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,015&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,910&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,068&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,068&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;759&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;860&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;188&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;188&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,761&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,761&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,188&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;412&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,535&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;937&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,225&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,297&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Changes in the fair value of hedged items in portfolio hedges of interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(237)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(225)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;156&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(402)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(80)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(788)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL FINANCIAL ASSETS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;39,319&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;50,565&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34,893&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,877&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;54,220&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;198,874&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.709%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;FINANCIAL LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;73,257&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,127&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,180&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,591&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,115&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;122,270&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,486&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,990&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,906&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50,589&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Shorts positions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,288&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;531&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,353&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;425&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45,507&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;425&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,862&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,693&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,144&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,837&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,190&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,583&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,863&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,359&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,372&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;40,367&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,688&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,459&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,223&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,288&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credits institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,161&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;84&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;372&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,735&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,351&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;277&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,916&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,052&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:6.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,640&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,021&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,084&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,371&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,525&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,064&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,577&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;878&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,612&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,656&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of hedged items in portfolio hedges of interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL FINANCIAL LIABILITIES&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;97,971&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21,770&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;25,656&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,823&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,128&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;170,348&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;See breakdown by type of debt (subordinated debt, senior unsecured debt, senior secured debt, promissory notes and other securities) (see note 22).&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.709%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.598%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Within&#160;3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to 12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1&#160;to&#160;3&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&#160;to&#160;5&lt;br/&gt;years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More&#160;than&#160;5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans commitment granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;125,083&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,658&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55,344&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,204&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;279,589&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial guarantees granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,870&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,734&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,654&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;686&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;491&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,435&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other commitments granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;81,146&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,448&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,699&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,386&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;113,273&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;MEMORANDUM ITEMS&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;214,099&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;53,840&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;66,697&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;51,276&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;22,385&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;408,297&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid 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    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-46" decimals="-6" id="f-14207" unitRef="eur">1735000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition
      contextRef="c-5906"
      decimals="-6"
      id="f-14208"
      unitRef="eur">20369000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition
      contextRef="c-5907"
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      id="f-14209"
      unitRef="eur">6351000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition
      contextRef="c-5908"
      decimals="-6"
      id="f-14210"
      unitRef="eur">3139000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition
      contextRef="c-5909"
      decimals="-6"
      id="f-14211"
      unitRef="eur">277000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition
      contextRef="c-5910"
      decimals="-6"
      id="f-14212"
      unitRef="eur">1916000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-49" decimals="-6" id="f-14213" unitRef="eur">32052000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition
      contextRef="c-5912"
      decimals="-6"
      id="f-14214"
      unitRef="eur">502000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition
      contextRef="c-5913"
      decimals="-6"
      id="f-14215"
      unitRef="eur">1124000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition
      contextRef="c-5914"
      decimals="-6"
      id="f-14216"
      unitRef="eur">1640000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition
      contextRef="c-5915"
      decimals="-6"
      id="f-14217"
      unitRef="eur">1021000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
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      contextRef="c-5916"
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      id="f-14218"
      unitRef="eur">1084000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition contextRef="c-52" decimals="-6" id="f-14219" unitRef="eur">5371000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging
      contextRef="c-5856"
      decimals="-6"
      id="f-14220"
      unitRef="eur">1525000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging
      contextRef="c-3715"
      decimals="-6"
      id="f-14221"
      unitRef="eur">2064000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging
      contextRef="c-2459"
      decimals="-6"
      id="f-14222"
      unitRef="eur">1577000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
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      contextRef="c-2462"
      decimals="-6"
      id="f-14223"
      unitRef="eur">878000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging
      contextRef="c-2465"
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      id="f-14224"
      unitRef="eur">1612000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
    <ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging contextRef="c-4" decimals="-6" id="f-14225" unitRef="eur">7656000000</ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging>
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      contextRef="c-5856"
      decimals="-6"
      id="f-14226"
      unitRef="eur">-1000000</ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities>
    <ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities
      contextRef="c-3715"
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      id="f-14227"
      unitRef="eur">-4000000</ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities>
    <ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities
      contextRef="c-2459"
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      id="f-14228"
      unitRef="eur">36000000</ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities>
    <ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities
      contextRef="c-2462"
      decimals="-6"
      id="f-14229"
      unitRef="eur">-5000000</ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities>
    <ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities
      contextRef="c-2465"
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      id="f-14230"
      unitRef="eur">29000000</ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities>
    <ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities contextRef="c-4" decimals="-6" id="f-14231" unitRef="eur">55000000</ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities>
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      contextRef="c-5856"
      decimals="-6"
      id="f-14232"
      unitRef="eur">97971000000</san:TotalFinancialLiabilitiesRemaining>
    <san:TotalFinancialLiabilitiesRemaining
      contextRef="c-3715"
      decimals="-6"
      id="f-14233"
      unitRef="eur">21770000000</san:TotalFinancialLiabilitiesRemaining>
    <san:TotalFinancialLiabilitiesRemaining
      contextRef="c-2459"
      decimals="-6"
      id="f-14234"
      unitRef="eur">25656000000</san:TotalFinancialLiabilitiesRemaining>
    <san:TotalFinancialLiabilitiesRemaining
      contextRef="c-2462"
      decimals="-6"
      id="f-14235"
      unitRef="eur">12823000000</san:TotalFinancialLiabilitiesRemaining>
    <san:TotalFinancialLiabilitiesRemaining
      contextRef="c-2465"
      decimals="-6"
      id="f-14236"
      unitRef="eur">12128000000</san:TotalFinancialLiabilitiesRemaining>
    <san:TotalFinancialLiabilitiesRemaining contextRef="c-4" decimals="-6" id="f-14237" unitRef="eur">170348000000</san:TotalFinancialLiabilitiesRemaining>
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      contextRef="c-6025"
      decimals="-6"
      id="f-14238"
      unitRef="eur">125083000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
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      contextRef="c-6026"
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      id="f-14239"
      unitRef="eur">31658000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts
      contextRef="c-6027"
      decimals="-6"
      id="f-14240"
      unitRef="eur">55344000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts
      contextRef="c-6028"
      decimals="-6"
      id="f-14241"
      unitRef="eur">47204000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts
      contextRef="c-6029"
      decimals="-6"
      id="f-14242"
      unitRef="eur">20300000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-79" decimals="-6" id="f-14243" unitRef="eur">279589000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts
      contextRef="c-6030"
      decimals="-6"
      id="f-14244"
      unitRef="eur">7870000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts
      contextRef="c-6031"
      decimals="-6"
      id="f-14245"
      unitRef="eur">4734000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts
      contextRef="c-6032"
      decimals="-6"
      id="f-14246"
      unitRef="eur">1654000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts
      contextRef="c-6033"
      decimals="-6"
      id="f-14247"
      unitRef="eur">686000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts
      contextRef="c-6034"
      decimals="-6"
      id="f-14248"
      unitRef="eur">491000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-82" decimals="-6" id="f-14249" unitRef="eur">15435000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts
      contextRef="c-6035"
      decimals="-6"
      id="f-14250"
      unitRef="eur">81146000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts
      contextRef="c-6036"
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      id="f-14251"
      unitRef="eur">17448000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts
      contextRef="c-6037"
      decimals="-6"
      id="f-14252"
      unitRef="eur">9699000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts
      contextRef="c-6038"
      decimals="-6"
      id="f-14253"
      unitRef="eur">3386000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts
      contextRef="c-6039"
      decimals="-6"
      id="f-14254"
      unitRef="eur">1594000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts contextRef="c-85" decimals="-6" id="f-14255" unitRef="eur">113273000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts
      contextRef="c-6040"
      decimals="-6"
      id="f-14256"
      unitRef="eur">214099000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
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      contextRef="c-6041"
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      id="f-14257"
      unitRef="eur">53840000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts
      contextRef="c-6042"
      decimals="-6"
      id="f-14258"
      unitRef="eur">66697000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts
      contextRef="c-6043"
      decimals="-6"
      id="f-14259"
      unitRef="eur">51276000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts
      contextRef="c-6044"
      decimals="-6"
      id="f-14260"
      unitRef="eur">22385000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts
      contextRef="c-6045"
      decimals="-6"
      id="f-14261"
      unitRef="eur">408297000000</ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts>
    <san:DisclosureOfEquivalentEuroValueOfAssetsAndLiabilitiesTableTextBlock contextRef="c-1" id="f-14262">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of the main foreign currency balances in the consolidated balance sheet, based on the nature of the related items, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.833%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;Equivalent&#160;value&#160;in EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="2" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash, cash balances at central banks and other deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;89,186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;109,932&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;114,410&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets/liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;136,499&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;75,272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;130,076&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;106,011&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;60,581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,530&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,291&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial assets/liabilities at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;666&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,943&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;793&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,699&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45,564&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;60,861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;60,516&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;745,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;777,226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;773,504&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Investments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,859&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,437&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,812&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,797&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,282&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,772&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;854,517&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;938,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;937,917&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Liabilities under insurance contracts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;227&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;261&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;330&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;96,469&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;82,901&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,891&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,236&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,740&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,143,907&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,027,860&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,141,184&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,051,550&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,120,947&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,037,267&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Includes the import of the Polish business held for sale.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfEquivalentEuroValueOfAssetsAndLiabilitiesTableTextBlock>
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style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.392%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.392%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.835%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="54" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,062,675&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,062,981&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;113,004&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;949,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,082,758&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,073,530&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;104,582&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;968,948&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,087,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,077,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;103,414&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;974,129&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;140,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;139,242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;103,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;14,100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;22,022&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;120,949&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;119,539&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;87,170&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;13,149&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;19,220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;103,559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;102,888&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;67,951&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;11,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;23,880&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,202,689&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,202,223&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;103,120&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;127,104&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;971,999&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,203,707&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,193,069&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;87,170&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;117,731&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;988,168&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,191,403&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,180,431&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;67,951&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;114,471&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;998,009&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfFinancialAssetsMeasuredAtOtherThanFairValueTableTextBlock>
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    <ifrs-full:FinancialAssetsAtFairValue
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    <ifrs-full:FinancialAssetsAtFairValue
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      id="f-14321"
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    <ifrs-full:FinancialAssetsAtFairValue
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      id="f-14322"
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      id="f-14324"
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    <ifrs-full:FinancialAssetsAtFairValue
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    <ifrs-full:FinancialAssetsAtFairValue
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    <ifrs-full:FinancialAssets
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    <ifrs-full:FinancialAssetsAtFairValue
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      id="f-14359"
      unitRef="eur">998009000000</ifrs-full:FinancialAssetsAtFairValue>
    <san:DisclosureOfFinancialLiabilitiesMeasuredAtOtherThanFairValueTableTextBlock contextRef="c-1" id="f-14360">&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ib9bfa59f3c714397a8ea183e6a194f2f"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;ii) Financial liabilities measured at other than fair value&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:4.689%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="54" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:0.75pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.22pt;font-weight:700;line-height:105%;position:relative;top:-2.27pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;Level&#160;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,072,384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,073,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;235,998&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;837,149&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,126,439&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,125,532&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;250,440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;875,092&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,125,308&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;1,124,373&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;263,428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;860,945&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;312,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;314,173&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;162,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;115,597&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;36,194&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;317,967&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;317,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;170,118&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;112,365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;35,429&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;303,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;298,792&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;136,109&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;125,575&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;37,108&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,385,088&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,387,320&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;162,382&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;351,595&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;873,343&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,444,406&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,443,444&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 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#ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;910,521&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,428,516&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;1,423,165&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;136,109&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;389,003&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:700;line-height:105%"&gt;898,053&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:6.5pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:15pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;At 31 December 2025, Grupo Santander had other financial liabilities that amounted to EUR 36,096 million, EUR 39,916 million in 2024 and EUR 40,187 million in 2023.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfFinancialLiabilitiesMeasuredAtOtherThanFairValueTableTextBlock>
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      contextRef="c-6086"
      decimals="-6"
      id="f-14398"
      unitRef="eur">170118000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-6087"
      decimals="-6"
      id="f-14399"
      unitRef="eur">362805000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-6088"
      decimals="-6"
      id="f-14400"
      unitRef="eur">910521000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilities
      contextRef="c-6089"
      decimals="-6"
      id="f-14401"
      unitRef="eur">1428516000000</ifrs-full:FinancialLiabilities>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-6090"
      decimals="-6"
      id="f-14402"
      unitRef="eur">1423165000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-6091"
      decimals="-6"
      id="f-14403"
      unitRef="eur">136109000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-6092"
      decimals="-6"
      id="f-14404"
      unitRef="eur">389003000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:FinancialLiabilitiesAtFairValue
      contextRef="c-6093"
      decimals="-6"
      id="f-14405"
      unitRef="eur">898053000000</ifrs-full:FinancialLiabilitiesAtFairValue>
    <ifrs-full:OtherFinancialLiabilities
      contextRef="c-6080"
      decimals="-6"
      id="f-14406"
      unitRef="eur">36096000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities
      contextRef="c-6085"
      decimals="-6"
      id="f-14407"
      unitRef="eur">39916000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:OtherFinancialLiabilities
      contextRef="c-6090"
      decimals="-6"
      id="f-14408"
      unitRef="eur">40187000000</ifrs-full:OtherFinancialLiabilities>
    <ifrs-full:DisclosureOfOffsettingOfFinancialAssetsAndFinancialLiabilitiesExplanatory contextRef="c-1" id="f-14409">&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following is the detail of financial assets and liabilities that were offset in the consolidated balance sheets as of 31 December 2025, 2024 and 2023:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.430%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.134%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.136%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial assets&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial assets offset in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net amount of financial assets presented in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;117,733&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(55,447)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,286&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;217,509&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(76,535)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;140,974&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;335,242&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(131,982)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;203,260&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.517%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.430%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.828%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial assets&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial assets offset in the balance sheet&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net amount of financial assets presented in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152,331&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(82,559)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69,772&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;189,034&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(67,488)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;121,546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;341,365&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(150,047)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;191,318&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.517%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.430%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.828%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial assets&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial assets offset in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net amount of financial assets presented in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;149,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(87,883)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61,625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;179,580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(79,500)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;100,080&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;329,088&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(167,383)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;161,705&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.517%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.430%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.828%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial liabilities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial liabilities offset in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net amount of financial liabilities presented in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;111,664&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(55,447)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;246,961&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(76,535)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;170,426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;358,625&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(131,982)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;226,643&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.517%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.430%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.828%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial liabilities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial liabilities offset in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net amount of financial liabilities presented in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;145,064&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(82,559)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;223,141&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(67,488)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;155,653&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;368,205&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(150,047)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;218,158&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.517%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.430%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.828%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial liabilities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount of financial liabilities offset in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net amount of financial liabilities presented in the balance sheet&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;146,128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(87,883)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,245&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reverse repurchase agreements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;212,840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(79,500)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;133,340&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;358,968&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(167,383)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;191,585&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfOffsettingOfFinancialAssetsAndFinancialLiabilitiesExplanatory>
    <ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-5" decimals="-6" id="f-14410" unitRef="eur">117733000000</ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-5" decimals="-6" id="f-14411" unitRef="eur">55447000000</ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-5" decimals="-6" id="f-14412" unitRef="eur">62286000000</ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements
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      decimals="-6"
      id="f-14413"
      unitRef="eur">217509000000</ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements
      contextRef="c-6124"
      decimals="-6"
      id="f-14414"
      unitRef="eur">76535000000</ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition
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      id="f-14415"
      unitRef="eur">140974000000</ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-2" decimals="-6" id="f-14416" unitRef="eur">335242000000</ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-2" decimals="-6" id="f-14417" unitRef="eur">131982000000</ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-2" decimals="-6" id="f-14418" unitRef="eur">203260000000</ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-6" decimals="-6" id="f-14419" unitRef="eur">152331000000</ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-6" decimals="-6" id="f-14420" unitRef="eur">82559000000</ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-6" decimals="-6" id="f-14421" unitRef="eur">69772000000</ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements
      contextRef="c-6125"
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      id="f-14422"
      unitRef="eur">189034000000</ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements
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      decimals="-6"
      id="f-14423"
      unitRef="eur">67488000000</ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition
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      id="f-14424"
      unitRef="eur">121546000000</ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-3" decimals="-6" id="f-14425" unitRef="eur">341365000000</ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-3" decimals="-6" id="f-14426" unitRef="eur">150047000000</ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-3" decimals="-6" id="f-14427" unitRef="eur">191318000000</ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-7" decimals="-6" id="f-14428" unitRef="eur">149508000000</ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-7" decimals="-6" id="f-14429" unitRef="eur">87883000000</ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-7" decimals="-6" id="f-14430" unitRef="eur">61625000000</ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements
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      id="f-14431"
      unitRef="eur">179580000000</ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements
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      decimals="-6"
      id="f-14432"
      unitRef="eur">79500000000</ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition
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      unitRef="eur">100080000000</ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
    <ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-4" decimals="-6" id="f-14434" unitRef="eur">329088000000</ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements contextRef="c-4" decimals="-6" id="f-14435" unitRef="eur">167383000000</ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements>
    <ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition contextRef="c-4" decimals="-6" id="f-14436" unitRef="eur">161705000000</ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition>
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    <ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory contextRef="c-1" id="f-14473">Primary and secondary segments reporting&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander bases segment reporting on financial information presented to the chief operating decision maker, which excludes certain statutory results items that distort year-on-year comparisons and are not considered for management reporting. 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, impairment of goodwill, etc.). These gains and losses are items that management and investors ordinarily identify and consider separately to better understand the underlying trends in the business.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The segments are split by global business and by country in which profits are earned. Santander prepares the information by aggregating the figures for Grupo Santander&#x2019;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On 10 February 2026, the Group announced the implementation of a series of changes to its reporting structure. These changes are intended to improve the transparency and comparability of the metrics and financial statements, as well as to align the reporting with the way the bank has been managed since the beginning of 2026.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;These changes, which affect the statutory and underlying income statements, the segment reporting and certain management metrics, have been applied to the periods presented herein and will apply to the information reported from the first quarter of 2026. These changes do not affect the Group&#x2019;s consolidated balance sheet. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The main changes are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;In the underlying income statement, the results associated with the business subject to the Poland disposal are recorded in a single line item under 'non-recurring items'. Consequently, the global businesses, which, in accordance with IFRS 8, are reported only on an underlying basis, also exclude Poland.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Certain charges that, until 31 December 2025, were recorded under the 'other provisions' line item are now presented in different lines of the income statement. In particular, charges mainly relating to bank levies and other taxes applicable to the banking sector, are reclassified to 'other operating costs' to ensure uniformity across the Group. In addition, certain recurring operating charges, primarily related to labour (mainly in Brazil) and legal processes, are presented in 'total costs' (comprising &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;'administrative expenses and amortizations' and 'other operating costs').  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Given that our payments platform strategy is now largely established, we are positioning Payments, renamed Payment Solutions, as the Group&#x2019;s payments platform business. In this context, from 1 January 2026, the income statement and balance sheet items relating to the Cards business have been reclassified to Retail (previously recorded in Payments), to better align reporting with the management structure in these businesses in 2026.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;In addition to the change in the Payments business described above, two minor adjustments have been introduced to the primary segments: i) the Digital Consumer Bank (Consumer) business has been renamed Openbank; and ii) Wealth Management &amp;amp; Insurance has been reorganized into two business lines. These changes do not impact figures at the Group or primary segment levels.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group has recast the corresponding information of earlier periods to reflect these changes in the structure of its internal organization.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:12pt"&gt;&lt;span id="i4202235fb51e42a48cd3b55866820599"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Primary segments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This primary level of segmentation, which is based on the Group&#x2019;s management structure, comprises six reportable segments: five global businesses plus the Corporate Centre. The operating areas are:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Retail &amp;amp; Commercial Banking (Retail): area that integrates the retail banking and commercial banking business (individuals, SMEs and corporates), except private banking clients and business originated in the consumer finance businesses. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Openbank, formerly Digital Consumer Bank (Consumer): comprises all business originated by consumer finance companies, plus our digital bank (formerly Openbank), Open Digital Services (ODS) and SBNA Consumer. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Corporate &amp;amp; Investment Banking (CIB): this business, which includes Global Transactional Banking, Global Banking (Global Debt Financing and Corporate Finance) and Global Markets, offers products and services on a global scale to corporate and institutional customers, and collaborates with other global businesses to better serve our broad customer base.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Wealth Management &amp;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;amp; Asset Management Solutions, which brings together the insurance business and liquid and illiquid asset management activities and includes the investment platforms and holdings that complement the traditional Wealth business.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Payment Solutions (Payments): brings together the Group&#x2019;s digital payment solutions, providing global technological solutions to Group entities and new customers in the open market. It comprises Getnet, Getnet Platforms and Ebury.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As Grupo Santander&#x2019;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 Grupo Santander&#x2019;s central services (charged to the areas), except for corporate and institutional expenses related to the Grupo Santander&#x2019;s functioning.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;There are no customers located in any of the areas that generate income exceeding 10% of Total income.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The main masses of the balance sheets of the different segments, summarized, are indicated below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.800%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.710%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.943%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.397%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.372%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.431%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.737%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance sheet (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Retail &amp;amp; Commercial Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate &amp;amp; Investment Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Wealth Management &amp;amp; Insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Payment Solutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;594,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;203,857&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;204,210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,516&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,037,288&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;628,026&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;129,946&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;221,321&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;59,127&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,387&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,041,200&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross loans and advances to customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:400;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;591,287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;211,894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;146,065&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,002&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,537&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;984,466&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;726,779&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;138,999&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;149,731&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;181,509&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,387&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,199,798&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;616,402&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;129,909&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;137,267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;58,051&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,387&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;944,409&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;110,377&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;123,458&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;255,389&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.800%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.710%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.943%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.397%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.372%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.431%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.737%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance sheet (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Retail &amp;amp; Commercial Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate &amp;amp; Investment Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Wealth Management &amp;amp; Insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Payment Solutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;598,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;207,107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;178,746&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,066&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,911&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,017,160&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;618,628&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;128,975&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;198,872&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,038&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,430&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,005,605&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross loans and advances to customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:400;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;600,230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;215,164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;130,840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,643&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,087&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,997&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;978,961&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;706,505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137,122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;147,492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;161,304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,038&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,299&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,154,759&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;607,094&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;128,933&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;133,433&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;55,736&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,038&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,299&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;927,533&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;99,411&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,189&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,059&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;105,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;227,226&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.800%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.710%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.943%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.397%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.372%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.431%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.737%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance sheet (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Retail &amp;amp; Commercial Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate &amp;amp; Investment Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Wealth Management &amp;amp; Insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Payment Solutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;610,528&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;199,158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;163,627&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,456&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,531&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,003,465&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;629,243&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;115,446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;200,592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;54,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,002,669&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt 0 7pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross loans and advances to customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:400;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;611,882&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;206,649&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;132,308&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,194&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,608&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;981,192&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;688,569&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;120,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;166,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;148,292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,127,503&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;600,871&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;114,334&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;152,156&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;53,599&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;923,884&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;87,698&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,662&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,565&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;94,693&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;203,618&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Excluding reverse repos.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt"&gt;Excluding repos.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%"&gt;The condensed income statements for the primary segments are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.532%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying income statement (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Retail &amp;amp; Commercial Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate &amp;amp; Investment Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Wealth Management &amp;amp; Insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Payment Solutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26,528&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,036&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,824&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,335&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;167&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(490)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;42,401&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,552&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,642&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,059&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(27)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,928&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;512&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(82)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(983)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;552&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;32,447&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,015&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,016&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,042&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,373&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(585)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;58,308&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total Costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,913)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,680)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,752)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,444)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,203)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(417)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(26,410)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,534&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,335&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,264&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,598&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;170&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,003)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,898&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7,150)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,457)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(278)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(198)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12,128)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(385)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(312)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(37)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(834)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,998&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,566&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,949&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,564&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;134&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,275)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,936&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,974)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(489)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,114)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(532)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;190&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,939)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,024&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,077&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,835&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,032&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;115&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,085)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,997&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net profit from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,024&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,077&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,835&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,032&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;115&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,085)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,997&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(314)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(336)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(127)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(50)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(845)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying profit attributable to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,710&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,741&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,708&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,983&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;96&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,085)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,152&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Net Operating Income is used for the Group&#x2019;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt"&gt;Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 50&#160;million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt"&gt;Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except an addition EUR 50&#160;million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognised in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.532%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying income statement (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Retail &amp;amp; Commercial Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate &amp;amp; Investment Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Wealth Management &amp;amp; Insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Payment Solutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;27,854&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,777&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,779&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,591&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;132&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(308)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;43,824&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,022&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,415&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,442&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;958&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;805&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;256&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(408)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,617)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;596&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;298&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(391)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;33,064&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,877&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,897&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,587&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,240&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(680)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;57,984&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total Costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14,704)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,576)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,922)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,403)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,209)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(540)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(27,354)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,359&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,302&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,975&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,183&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,220)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,630&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7,064)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,562)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(141)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(42)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11,822)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(545)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(512)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(247)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(99)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,431)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,750&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,228&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,815&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,134&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(233)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,317)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,377&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,132)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(294)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,023)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(509)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(57)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,853)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,619&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,934&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,792&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,624&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(290)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,155)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,524&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net profit from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,619&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,934&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,792&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,624&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(290)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,155)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,524&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(273)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(275)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(153)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(750)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying profit attributable to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,345&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,659&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,639&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,584&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(299)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,154)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,774&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;'Net Operating Income is used for the Group&#x2019;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt"&gt;'Net Loan loss provisions' refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 47&#160;million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt"&gt;Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except an addition of EUR 47&#160;million  mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognised in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.532%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying income statement (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Retail &amp;amp; Commercial Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate &amp;amp; Investment Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Wealth Management &amp;amp; Insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Payment Solutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;25,586&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,221&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,361&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,499&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;92&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;40,718&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,013&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,468&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;837&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,748&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;178&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(302)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,566&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,707)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;97&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(86)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(812)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,792&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,274&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,100&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,082&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,134&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(442)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;53,940&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total Costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14,757)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,526)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,381)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,111)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(460)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(26,501)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,036&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,748&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,719&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,816&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(901)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;27,439&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7,542)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,106)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(132)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11,784)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(298)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(62)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(350)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,195&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,677&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,578&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,834&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(961)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,305&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,076)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(426)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,086)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(429)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(59)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(36)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,112)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,120&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,251&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,491&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,405&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(998)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net profit from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,120&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,251&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,491&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,405&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(998)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(232)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(350)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(163)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(791)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying profit attributable to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,887&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,901&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,328&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,360&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(77)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(998)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,402&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Net Operating Income is used for the Group&#x2019;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt"&gt;Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes a release of EUR 38&#160;million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt"&gt;Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except a release of EUR 38&#160;million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognised in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i1cee3d5ad3ab4eb6bbc46ae24837b6d9"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Secondary segments&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This secondary level includes our main geographical units and the Corporate Centre, as described in the primary segments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Detailed financial information is provided on Spain, the UK, Portugal, Openbank Europe (previously referred to as DCB Europe), which includes all consumer business, our digital bank in Europe and ODS, the US, Mexico, Brazil, Chile and Argentina.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Information is also provided for the 'Rest of the Group', the grouping which brings together everything that is not included in the aforementioned geographical units or the Corporate Centre.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;There are no customers located in a place different from the location of the Group's assets that generate revenues in excess of 10% of ordinary revenues.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The main masses of the balance sheets of the different secondary segments, summarized, are indicated below: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.757%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance sheet (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United Kingdom&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Portugal&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United States&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Mexico&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;264,950&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;242,624&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,260&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;139,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;132,659&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48,083&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;354,943&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;225,708&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;82,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;122,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55,595&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross loans and advances to customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;237,385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;228,273&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,980&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;142,477&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;108,950&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49,442&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;429,464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;227,160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,201&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;87,559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;103,178&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68,201&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;322,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;219,440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;40,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;82,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;87,686&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;45,498&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;107,394&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,719&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,200&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15,492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22,703&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.757%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance sheet (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Center&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Rest of the Group&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;87,653&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39,924&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,032&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,037,288&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;92,256&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,503&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,959&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,387&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,913&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,041,200&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross loans and advances to customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;93,030&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,986&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,611&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,537&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,796&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;984,466&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;132,580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,256&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,387&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45,916&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,199,798&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;80,449&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;28,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,959&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,387&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;26,691&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;944,409&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;52,132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,963&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,225&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;255,389&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance sheet (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United Kingdom&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Portugal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United States&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Mexico&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;246,897&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;246,453&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,410&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137,038&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;134,856&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45,054&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;323,425&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;230,408&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;81,376&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;125,403&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49,836&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross loans and advances to customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;225,759&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;236,496&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39,143&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;139,927&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;117,511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,715&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;399,999&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;230,479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;85,876&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;108,246&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61,160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;306,389&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;222,835&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;38,304&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;81,376&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;93,545&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;41,528&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;93,609&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,643&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,882&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,702&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,632&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.364%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.826%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance sheet (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Center&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Rest of the Group&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;88,620&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,911&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,017,160&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;93,994&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30,181&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,430&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,955&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,005,605&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross loans and advances to customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;93,785&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,938&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,997&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,285&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;978,961&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;129,881&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,383&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,047&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,299&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,204&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,154,759&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;81,378&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;30,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,299&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,527&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;927,533&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;48,503&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,324&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,754&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;227,226&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-indent:6.66pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.686%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.935%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.935%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.935%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.935%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.935%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.939%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance sheet (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United Kingdom&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Portugal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United States&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;239,214&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;245,743&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,864&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;132,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;126,843&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;324,099&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;233,453&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69,334&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;121,782&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53,703&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross loans and advances to customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;229,803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;235,111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37,658&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;135,202&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;112,671&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48,688&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;386,810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;231,667&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;72,963&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;108,062&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,775&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;308,745&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;224,396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;36,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;69,334&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;95,697&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;45,693&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;78,065&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,252&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,629&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17,082&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.793%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.917%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.917%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.917%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.917%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.917%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.922%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance sheet (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Center&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Rest of the Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;96,399&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,616&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,767&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,531&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,892&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,003,465&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;110,162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,207&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,002,669&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross loans and advances to customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;102,583&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,823&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,878&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,608&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;981,192&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;145,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,098&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,288&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,670&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,127,503&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;90,297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;29,337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16,034&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;923,884&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;54,747&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;203,618&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Excluding reverse repos.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt"&gt;Excluding repos.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The condensed income statements are as follow&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.364%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.826%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying income statement (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United Kingdom&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Portugal&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank Europe&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United States&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Mexico&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,305&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,008&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,346&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,685&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,888&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,554&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,022&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;506&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;804&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,454&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(100)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;70&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(39)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;547&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;427&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;720&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(245)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;474&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(130)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,887&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,032&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,956&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,925&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,929&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,305&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total Costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,465)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,937)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(544)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,899)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,890)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,730)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,423&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,095&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,412&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,026&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,039&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,575&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,142)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(177)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,363)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,244)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,239)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(198)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(124)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(47)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,083&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,794&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,417&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,398&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,748&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,336&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,811)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(486)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(405)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(322)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(207)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(627)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit/(loss) from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,272&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,307&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,011&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,076&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,541&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,709&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net profit/(loss) from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit/(loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,272&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,307&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,011&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,076&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,541&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,709&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(304)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Attributable profit/(loss) to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,272&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,307&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,010&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;772&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,541&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,705&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.049%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying income statement (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Argentina&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Rest of the Group&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Group&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,380&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,917&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,727&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(490)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,080&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;42,401&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,193&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;582&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;788&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(27)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;908&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,928&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(82)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;93&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(510)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,602&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,714&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,235&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(585)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,309&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;58,308&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total Costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,957)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(919)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(978)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(417)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,676)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(26,410)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,645&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,795&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,257&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,003)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;634&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,898&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,409)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(531)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(574)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(198)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(260)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12,128)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(33)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(834)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,224&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,232&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;650&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,275)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;328&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,936&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(836)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(189)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(216)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;190&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,939)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit/(loss) from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,388&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,043&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;434&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,085)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;300&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,997&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net profit/(loss) from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit/(loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,388&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,043&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;434&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,085)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;300&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,997&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(220)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(314)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(845)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Attributable profit/(loss) to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,168&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;729&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;433&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,085)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;300&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,152&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Net Operating Income is used for the Group&#x2019;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt"&gt;Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 50 million mainly corresponding to the results by commitments and contingent risks included in the line provisions or reversal of provisions, net of the statutory income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt"&gt;Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except an addition of EUR 50 million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:10.91pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying income statement (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United Kingdom&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Portugal&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank Europe&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United States&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Mexico&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,256&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,950&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,548&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,361&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,693&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,631&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;467&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;902&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;371&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;358&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(203)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(133)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,580&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,011&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,065&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,644&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,580&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,278&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total Costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,509)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,050)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(574)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,848)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,965)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,727)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,071&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,962&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,492&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,796&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,615&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,551&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,259)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,209)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,507)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,277)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(372)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(104)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(456)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(55)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,440&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,794&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,481&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,131&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,053&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,274&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,678)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(488)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(478)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(255)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(598)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit/(loss) from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,763&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,306&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,003&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;876&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,109&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,676&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net profit/(loss) from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit/(loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,763&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,306&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,003&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;876&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,109&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,676&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(234)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Attributable profit/(loss) to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,762&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,306&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,001&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;642&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,109&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,671&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.049%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying income statement (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Argentina&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Rest of the Group&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Group&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,121&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,822&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,919&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(308)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;832&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;43,824&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,414&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;551&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;602&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;722&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(37)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(408)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;326&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,263)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(391)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,536&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,592&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,487&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(680)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,889&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;57,984&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total Costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,219)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(942)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,337)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(540)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,643)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(27,354)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,318&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,650&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,150&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,220)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;246&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,630&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,487)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(497)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(284)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(230)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11,822)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(42)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(39)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(99)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(263)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,431)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,830&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,111&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;827&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,317)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(248)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,377&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,165)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(211)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(161)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(37)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,853)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit/(loss) from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,665&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;899&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;666&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,155)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(285)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,524&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net profit/(loss) from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit/(loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,665&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;899&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;666&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,155)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(285)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,524&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(243)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(271)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(750)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Attributable profit/(loss) to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,422&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;629&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;665&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,154)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(280)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,774&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Net Operating Income is used for the Group&#x2019;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt"&gt;Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 47&#160;million mainly corresponding to the results by commitments and contingent risks included in the line provisions or reversal of provisions, net of the statutory income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt"&gt;Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except an addition of EUR 47&#160;million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.686%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.935%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.935%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.935%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.935%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.935%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.939%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying income statement (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United Kingdom&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Portugal&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank Europe&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United States&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Mexico&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,641&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,152&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,465&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,742&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,408&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,699&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;796&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;766&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,374&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;688&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;117&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(190)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(162)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;406&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(94)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,837&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,358&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,944&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,481&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,209&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,899&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total Costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,815)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,928)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(567)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,751)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,707)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,645)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,022&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,430&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,378&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,730&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,502&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,254&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,522)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(247)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(77)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(792)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,593)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,135)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(100)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;82&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(46)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,399&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,107&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,314&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,019&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;863&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,119&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,029)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(563)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(416)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(493)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(541)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit/(loss) from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,371&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,545&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;898&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,526&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;932&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,577&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net profit/(loss) from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit/(loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,371&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,545&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;898&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,526&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;932&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,577&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(327)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Attributable profit/(loss) to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,371&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,545&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;896&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,199&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;932&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,560&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.049%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying income statement (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Argentina&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Rest of the Group&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Group&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,116&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,383&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,879&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;780&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;40,718&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;572&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;615&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,468&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;483&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;320&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;341&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(302)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;353&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,566&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,071)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(86)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(812)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,104&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,285&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,544&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(442)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,721&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;53,940&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total Costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,430)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(953)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(831)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(460)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,415)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(26,501)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,674&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,332&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;713&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(901)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;306&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;27,439&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,701)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(365)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(150)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(203)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11,784)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(62)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(58)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(62)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(350)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,911&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;951&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;505&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(961)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;77&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,305&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(776)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(135)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(117)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(36)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,112)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit/(loss) from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,135&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;816&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;388&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(998)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net profit/(loss) from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit/(loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,135&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;816&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;388&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(998)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(215)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(234)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(791)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Attributable profit/(loss) to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,921&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;582&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;386&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(998)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,402&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Net Operating Income is used for the Group&#x2019;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt"&gt;Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes a release of EUR 38&#160;million mainly corresponding to the results by commitments and contingent risks included in the line provisions or reversal of provisions, net of the statutory income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt"&gt;Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except a release of EUR 38&#160;million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-right:263.62pt"&gt;&lt;span id="ic408f97c36dd4ce4b465f8447579cbef"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;c) Reconciliations of reportable segment results&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The tables below reconcile the statutory basis results to the underlying results for each of the periods presented as required by IFRS 8. For the purposes of these reconciliations, all material reconciling items are separately identified and described.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander assets and liabilities for management reporting purposes do not differ from the statutory reported figures and therefore are not reconciled.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.161%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Reconciliation of statutory results to underlying results &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Statutory results&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Adjustments related to the Poland disposal&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying results&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;42,348&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;53&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;42,401&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,976&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(48)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,928&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,362&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;58,311&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;58,308&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Administrative expenses, depreciation and amortisation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24,779)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24,757)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating costs&lt;br/&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,653)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,653)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;33,532&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,653)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,898&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12,596)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;467&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12,128)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,255)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,422&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(834)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,681&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;236&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,936&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,723)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(210)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,939)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Adjusted profit for the year from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,958&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,997&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Profit from discontinued operations (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,542&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,542)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit/(loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,500&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,529)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,997&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,399)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(845)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Attributable profit/(loss) to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,101&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(949)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,152&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Net Operating Income is used for the Group&#x2019;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt"&gt;Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 50&#160;million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:15pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt"&gt;Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except for an addition of EUR 50 million mainly corresponding to results from commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;To better understand the business trends, we reclassified certain items under some headings of the underlying income statement. These reclassifications between the statutory and underlying income statements include:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;In the statutory income statement, results associated with the business subject to the Poland disposal are reported in the 'profit/(loss) after tax from discontinued operations' line item. However, in the underlying income statement, the results related to the business subject to the Poland disposal are excluded.&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Certain charges recorded in the statutory account under the line items that comprise 'other gains (losses) and provisions' are presented in the underlying income statement under the 'total costs' line item. These are mainly recurring operating charges, primarily related to labour and legal processes, and exclude EUR 620&#160;million of restructuring charges and EUR 214&#160;million of provisions for potential complaints related to motor finance dealer commissions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;A capital gain in Q2 2025 of EUR 231&#160;million from the sale of Santander&#x2019;s remaining 30.5% stake in CACEIS was completely offset by a charge of EUR 467&#160;million in Q2 2025 (EUR 231&#160;million net of tax and minority interests), which strengthens the balance sheet after having updated macroeconomic parameters in Brazil&#x2019;s credit provisioning models in 'Other gains (losses) and provisions'.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.161%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Reconciliation of statutory results to underlying results&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Statutory results&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Adjustments related to the Poland disposal&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying results&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;43,787&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;37&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;43,824&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,376&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(331)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(60)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(391)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;58,043&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(59)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;57,984&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Administrative expenses, depreciation and amortisation &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(25,215)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(25,135)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,219)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,219)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;32,828&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,219)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,630&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12,183)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;352&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11,822)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,298)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,431)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,347&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,377&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,844)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,853)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Adjusted profit for the year from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,503&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,524&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Profit from discontinued operations (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,241&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,241)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit/(loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,744&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,220)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,524&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,170)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(750)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Attributable profit/(loss) to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,574&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(800)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,774&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Net Operating Income is used for the Group&#x2019;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt"&gt;Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 47 million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:27pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt"&gt;Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except for an addition of EUR 47 million mainly corresponding to results from commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;To better understand the business trends, we reclassified certain items under some headings of the underlying income statement. These reclassifications between the statutory and underlying income statements include: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;In the statutory income statement, results associated with the business subject to the Poland disposal are reported in the 'profit/(loss) after tax from discontinued operations' line item. However, in the underlying income statement, the results related to the business subject to the Poland disposal are excluded.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Certain charges recorded in the statutory account under the line items that comprise 'other gains (losses) and provisions' are presented in the underlying income statement under the 'total costs' line item. These are mainly recurring operating charges, primarily related to labour and legal processes, and exclude EUR 835&#160;million of restructuring charges, EUR 353&#160;million of provisions for potential complaints related to motor finance dealer commissions and EUR 243&#160;million from charges related to the discontinuation of our merchant platform in Germany and Superdigital in Latin America. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The recognition of provisions to strengthen the balance sheet in Brazil, amounted to EUR 352&#160;million gross in Q2 2024 (EUR 174&#160;million net of tax and non-controlling interests) were compensated with gains on Pluxee in Brazil in 'Other gains (losses) and provisions'.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.161%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Reconciliation of statutory results to underlying results&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Statutory results&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Adjustments related to the Poland disposal&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying results&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;40,650&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;68&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;40,718&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(27)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,468&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,565&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,566&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(759)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(53)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(812)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;53,951&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;53,940&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Administrative expenses, depreciation and amortisation &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24,684)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24,615)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,886)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,886)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;29,267&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;58&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,886)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;27,439&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12,260)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;474&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11,784)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,002)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,651&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(350)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,005&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;61&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;239&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,305&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,880)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(213)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,112)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Adjusted profit for the year from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,125&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;42&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Profit from discontinued operations (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,058)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit/(loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,183&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,016)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,107)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;342&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(791)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Attributable profit/(loss) to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,076&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(674)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,402&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Net Operating Income is used for the Group&#x2019;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt"&gt;Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes a release of EUR 38 million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:18pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt"&gt;Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except a release of EUR 38 million mainly corresponding to results from commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;To better understand the business trends, we reclassified certain items under some headings of the underlying income statement. These reclassifications between the statutory and underlying income statements include: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;In the statutory income statement, results associated with the business subject to the Poland disposal are reported in the 'profit/(loss) after tax from discontinued operations' line item. However, in the underlying income statement, the results related to the business subject to the Poland disposal are excluded.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt; Certain charges recorded in the statutory account under the line items that comprise 'other gains (losses) and provisions' are presented in the underlying income statement under the 'total costs' line item. These are mainly recurring operating charges, primarily related to labour and legal processes, and exclude EUR 385&#160;million of restructuring charges. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Provisions to strengthen the balance sheet in Brazil in Q1 2023, totalling EUR 235&#160;million, net of tax and non-controlling interests (EUR 474&#160;million recorded in net loan-loss provisions, EUR 213&#160;million positive tax impact and EUR 26&#160;million in non-controlling interests), were more than offset by gains of EUR 270&#160;million resulting primarily from the divestments of stakes in Brazil and Openbank in 'Other gains (losses) and provisions'.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;</ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory>
    <san:ReportableSegmentsNumber
      contextRef="c-1"
      decimals="INF"
      id="f-14474"
      unitRef="segment">6</san:ReportableSegmentsNumber>
    <san:NumberOfOperatingAreas
      contextRef="c-1"
      decimals="INF"
      id="f-14475"
      unitRef="operatingareas">5</san:NumberOfOperatingAreas>
    <ifrs-full:DisclosureOfOperatingSegmentsExplanatory contextRef="c-1" id="f-14476">&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The main masses of the balance sheets of the different segments, summarized, are indicated below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.800%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.710%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.943%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.397%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.372%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.431%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.737%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance sheet (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Retail &amp;amp; Commercial Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate &amp;amp; Investment Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Wealth Management &amp;amp; Insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Payment Solutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;594,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;203,857&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;204,210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,516&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,037,288&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;628,026&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;129,946&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;221,321&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;59,127&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,387&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,041,200&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross loans and advances to customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:400;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;591,287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;211,894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;146,065&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,002&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,537&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;984,466&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;726,779&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;138,999&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;149,731&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;181,509&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,387&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,199,798&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;616,402&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;129,909&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;137,267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;58,051&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,387&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;944,409&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;110,377&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;123,458&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;255,389&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.800%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.710%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.943%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.397%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.372%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.431%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.737%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance sheet (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Retail &amp;amp; Commercial Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate &amp;amp; Investment Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Wealth Management &amp;amp; Insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Payment Solutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;598,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;207,107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;178,746&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,066&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,911&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,017,160&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;618,628&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;128,975&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;198,872&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,038&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,430&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,005,605&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross loans and advances to customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:400;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;600,230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;215,164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;130,840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,643&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,087&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,997&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;978,961&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;706,505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137,122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;147,492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;161,304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,038&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,299&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,154,759&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;607,094&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;128,933&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;133,433&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;55,736&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,038&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,299&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;927,533&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;99,411&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,189&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,059&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;105,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;227,226&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.800%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.710%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.456%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.943%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.154%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.397%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.372%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.431%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.737%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance sheet (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Retail &amp;amp; Commercial Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate &amp;amp; Investment Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Wealth Management &amp;amp; Insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Payment Solutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;610,528&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;199,158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;163,627&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,456&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,531&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,003,465&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;629,243&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;115,446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;200,592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;54,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,002,669&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt 0 7pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross loans and advances to customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:400;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;611,882&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;206,649&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;132,308&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,194&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,608&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;981,192&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;688,569&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;120,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;166,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;148,292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,127,503&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;600,871&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;114,334&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;152,156&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;53,599&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;923,884&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;87,698&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,662&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,565&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;94,693&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;203,618&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Excluding reverse repos.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt"&gt;Excluding repos.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%"&gt;The condensed income statements for the primary segments are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.532%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying income statement (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Retail &amp;amp; Commercial Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate &amp;amp; Investment Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Wealth Management &amp;amp; Insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Payment Solutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26,528&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,036&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,824&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,335&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;167&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(490)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;42,401&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,552&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,642&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,059&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(27)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,928&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;512&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(82)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(983)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;552&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;32,447&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,015&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,016&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,042&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,373&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(585)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;58,308&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total Costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13,913)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,680)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,752)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,444)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,203)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(417)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(26,410)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,534&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,335&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,264&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,598&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;170&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,003)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,898&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7,150)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,457)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(278)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(198)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12,128)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(385)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(312)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(37)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(834)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,998&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,566&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,949&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,564&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;134&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,275)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,936&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,974)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(489)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,114)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(532)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;190&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,939)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,024&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,077&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,835&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,032&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;115&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,085)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,997&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net profit from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,024&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,077&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,835&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,032&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;115&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,085)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,997&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(314)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(336)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(127)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(50)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(845)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying profit attributable to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,710&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,741&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,708&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,983&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;96&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,085)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,152&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Net Operating Income is used for the Group&#x2019;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt"&gt;Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 50&#160;million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt"&gt;Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except an addition EUR 50&#160;million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognised in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.532%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying income statement (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Retail &amp;amp; Commercial Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate &amp;amp; Investment Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Wealth Management &amp;amp; Insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Payment Solutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;27,854&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,777&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,779&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,591&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;132&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(308)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;43,824&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,022&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,415&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,442&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;958&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;805&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;256&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(408)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,617)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;596&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;298&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(391)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;33,064&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,877&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,897&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,587&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,240&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(680)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;57,984&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total Costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14,704)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,576)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,922)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,403)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,209)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(540)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(27,354)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,359&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,302&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,975&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,183&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,220)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,630&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7,064)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,562)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(141)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(42)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11,822)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(545)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(512)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(247)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(99)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,431)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,750&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,228&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,815&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,134&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(233)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,317)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,377&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,132)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(294)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,023)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(509)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(57)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,853)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,619&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,934&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,792&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,624&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(290)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,155)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,524&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net profit from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,619&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,934&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,792&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,624&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(290)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,155)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,524&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(273)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(275)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(153)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(750)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying profit attributable to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,345&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,659&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,639&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,584&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(299)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,154)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,774&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;'Net Operating Income is used for the Group&#x2019;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt"&gt;'Net Loan loss provisions' refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 47&#160;million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt"&gt;Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except an addition of EUR 47&#160;million  mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognised in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.532%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying income statement (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Retail &amp;amp; Commercial Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate &amp;amp; Investment Banking&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Wealth Management &amp;amp; Insurance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Payment Solutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;25,586&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,221&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,361&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,499&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;92&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;40,718&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,013&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,468&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;837&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,748&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;178&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(302)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,566&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,707)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;97&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(86)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(812)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,792&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,274&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,100&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,082&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,134&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(442)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;53,940&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total Costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14,757)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,526)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,381)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,111)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(460)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(26,501)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,036&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,748&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,719&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,816&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(901)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;27,439&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7,542)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,106)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(132)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11,784)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(298)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(62)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(350)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,195&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,677&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,578&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,834&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(961)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,305&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,076)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(426)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,086)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(429)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(59)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(36)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,112)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,120&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,251&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,491&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,405&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(998)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net profit from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,120&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,251&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,491&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,405&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(998)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(232)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(350)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(163)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(791)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying profit attributable to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,887&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,901&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,328&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,360&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(77)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(998)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,402&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Net Operating Income is used for the Group&#x2019;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt"&gt;Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes a release of EUR 38&#160;million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt"&gt;Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except a release of EUR 38&#160;million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognised in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The main masses of the balance sheets of the different secondary segments, summarized, are indicated below: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.757%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance sheet (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United Kingdom&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Portugal&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United States&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Mexico&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;264,950&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;242,624&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,260&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;139,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;132,659&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48,083&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;354,943&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;225,708&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;82,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;122,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55,595&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross loans and advances to customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;237,385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;228,273&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,980&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;142,477&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;108,950&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49,442&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;429,464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;227,160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,201&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;87,559&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;103,178&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68,201&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;322,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;219,440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;40,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;82,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;87,686&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;45,498&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;107,394&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,719&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,200&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15,492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22,703&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.757%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance sheet (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Center&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Rest of the Group&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;87,653&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39,924&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,032&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,465&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,037,288&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;92,256&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,503&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,959&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,387&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,913&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,041,200&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross loans and advances to customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;93,030&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,986&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,611&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,537&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,796&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;984,466&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;132,580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,256&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,387&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45,916&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,199,798&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;80,449&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;28,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,959&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,387&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;26,691&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;944,409&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;52,132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,963&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,225&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;255,389&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance sheet (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United Kingdom&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Portugal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United States&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Mexico&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;246,897&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;246,453&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,410&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137,038&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;134,856&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45,054&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;323,425&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;230,408&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;81,376&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;125,403&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49,836&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross loans and advances to customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;225,759&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;236,496&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39,143&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;139,927&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;117,511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,715&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;399,999&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;230,479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;85,876&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;108,246&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61,160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;306,389&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;222,835&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;38,304&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;81,376&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;93,545&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;41,528&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;93,609&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,643&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,882&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,500&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,702&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,632&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.364%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.826%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance sheet (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Center&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Rest of the Group&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;88,620&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,911&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,017,160&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;93,994&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30,181&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,430&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,955&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,005,605&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross loans and advances to customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;93,785&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,938&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,997&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,285&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;978,961&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;129,881&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,383&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,047&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,299&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,204&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,154,759&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;81,378&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;30,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,299&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,527&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;927,533&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;48,503&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,324&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,754&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,677&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;227,226&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-indent:6.66pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.686%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.935%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.935%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.935%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.935%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.935%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.939%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance sheet (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United Kingdom&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Portugal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United States&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;239,214&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;245,743&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,864&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;132,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;126,843&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;324,099&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;233,453&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69,334&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;121,782&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53,703&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross loans and advances to customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;229,803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;235,111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37,658&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;135,202&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;112,671&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48,688&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;386,810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;231,667&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;72,963&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;108,062&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,775&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;308,745&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;224,396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;36,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;69,334&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;95,697&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;45,693&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;78,065&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,252&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,629&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;12,364&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17,082&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.793%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.917%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.917%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.917%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.917%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.917%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.922%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance sheet (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Center&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Rest of the Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances to customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;96,399&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,616&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,767&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,531&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,892&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,003,465&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;110,162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,207&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,002,669&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Memorandum items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross loans and advances to customers&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;102,583&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,823&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,878&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,608&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;981,192&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Customers funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;145,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,098&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,288&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,670&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,127,503&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Customer deposits&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;90,297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;29,337&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16,034&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;923,884&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ee2724;border-top:0.5pt solid #ee2724;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;54,747&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;10,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:105%"&gt;203,618&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Excluding reverse repos.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.48pt"&gt;Excluding repos.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The condensed income statements are as follow&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.279%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.364%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.822%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.826%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying income statement (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United Kingdom&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Portugal&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank Europe&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United States&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Mexico&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,305&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,008&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,346&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,685&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,888&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,554&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,022&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;506&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;804&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,454&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(100)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;70&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(39)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;547&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;427&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;720&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(245)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;474&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(130)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,887&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,032&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,956&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,925&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,929&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,305&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total Costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,465)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,937)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(544)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,899)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,890)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,730)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,423&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,095&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,412&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,026&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,039&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,575&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,142)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(177)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,363)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,244)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,239)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(198)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(124)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(266)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(47)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,083&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,794&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,417&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,398&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,748&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,336&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,811)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(486)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(405)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(322)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(207)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(627)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit/(loss) from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,272&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,307&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,011&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,076&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,541&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,709&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net profit/(loss) from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit/(loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,272&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,307&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,011&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,076&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,541&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,709&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(304)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Attributable profit/(loss) to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,272&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,307&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,010&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;772&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,541&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,705&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.049%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying income statement (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Argentina&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Rest of the Group&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Group&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,380&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,917&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,727&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(490)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,080&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;42,401&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,193&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;582&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;788&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(27)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;908&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,928&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(82)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;93&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(510)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,602&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,714&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,235&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(585)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,309&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;58,308&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total Costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,957)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(919)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(978)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(417)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,676)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(26,410)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,645&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,795&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,257&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,003)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;634&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,898&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,409)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(531)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(574)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(198)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(260)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12,128)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(33)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(834)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,224&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,232&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;650&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,275)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;328&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,936&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(836)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(189)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(216)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;190&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,939)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit/(loss) from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,388&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,043&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;434&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,085)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;300&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,997&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net profit/(loss) from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit/(loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,388&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,043&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;434&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,085)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;300&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,997&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(220)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(314)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(845)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Attributable profit/(loss) to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,168&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;729&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;433&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,085)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;300&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,152&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Net Operating Income is used for the Group&#x2019;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt"&gt;Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 50 million mainly corresponding to the results by commitments and contingent risks included in the line provisions or reversal of provisions, net of the statutory income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt"&gt;Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except an addition of EUR 50 million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:10.91pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying income statement (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United Kingdom&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Portugal&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank Europe&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United States&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Mexico&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,256&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,950&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,548&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,361&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,693&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,631&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;467&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;902&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;371&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;358&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(203)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(133)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,580&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,011&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,065&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,644&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,580&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,278&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total Costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,509)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,050)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(574)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,848)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,965)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,727)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,071&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,962&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,492&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,796&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,615&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,551&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,259)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,209)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,507)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,277)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(372)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(104)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(456)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(55)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,440&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,794&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,481&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,131&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,053&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,274&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,678)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(488)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(478)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(255)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(598)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit/(loss) from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,763&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,306&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,003&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;876&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,109&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,676&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net profit/(loss) from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit/(loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,763&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,306&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,003&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;876&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,109&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,676&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(234)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Attributable profit/(loss) to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,762&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,306&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,001&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;642&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,109&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,671&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.049%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying income statement (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Argentina&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Rest of the Group&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Group&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,121&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,822&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,919&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(308)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;832&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;43,824&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,414&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;551&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;602&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;722&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(37)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(408)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;326&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,263)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(391)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,536&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,592&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,487&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(680)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,889&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;57,984&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total Costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,219)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(942)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,337)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(540)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,643)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(27,354)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,318&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,650&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,150&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,220)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;246&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,630&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,487)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(497)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(284)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(230)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11,822)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(42)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(39)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(99)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(263)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,431)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,830&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,111&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;827&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,317)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(248)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,377&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,165)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(211)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(161)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(37)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,853)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit/(loss) from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,665&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;899&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;666&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,155)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(285)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,524&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net profit/(loss) from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit/(loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,665&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;899&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;666&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,155)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(285)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,524&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(243)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(271)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(750)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Attributable profit/(loss) to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,422&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;629&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;665&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,154)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(280)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,774&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Net Operating Income is used for the Group&#x2019;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt"&gt;Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 47&#160;million mainly corresponding to the results by commitments and contingent risks included in the line provisions or reversal of provisions, net of the statutory income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt"&gt;Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except an addition of EUR 47&#160;million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.575%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.686%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.935%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.935%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.935%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.935%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.935%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.939%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying income statement (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United Kingdom&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Portugal&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Openbank Europe&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;United States&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Mexico&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,641&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,152&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,465&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,742&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,408&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,699&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;338&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;796&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;766&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,374&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;688&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;117&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(190)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(162)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;406&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(94)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,837&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,358&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,944&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,481&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,209&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,899&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total Costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,815)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,928)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(567)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,751)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,707)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,645)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,022&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,430&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,378&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,730&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,502&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,254&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,522)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(247)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(77)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(792)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,593)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,135)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(100)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;82&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(46)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,399&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,107&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,314&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,019&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;863&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,119&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,029)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(563)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(416)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(493)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(541)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit/(loss) from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,371&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,545&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;898&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,526&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;932&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,577&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net profit/(loss) from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit/(loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,371&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,545&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;898&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,526&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;932&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,577&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(327)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Attributable profit/(loss) to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,371&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,545&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;896&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,199&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;932&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,560&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.049%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying income statement (condensed)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Argentina&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Rest of the Group&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Group&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,116&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,383&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,879&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;780&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;40,718&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;572&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;615&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,468&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;483&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;320&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;341&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(302)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;353&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,566&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,071)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(86)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(812)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,104&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,285&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,544&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(442)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,721&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;53,940&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total Costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,430)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(953)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(831)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(460)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,415)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(26,501)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,674&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,332&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;713&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(901)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;306&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;27,439&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,701)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(365)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(150)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(203)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11,784)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(62)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(58)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(62)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(350)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,911&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;951&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;505&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(961)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;77&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,305&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(776)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(135)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(117)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(36)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(75)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,112)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Profit/(loss) from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,135&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;816&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;388&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(998)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net profit/(loss) from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit/(loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,135&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;816&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;388&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(998)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(215)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(234)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(791)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Attributable profit/(loss) to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,921&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;582&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;386&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(998)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,402&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Net Operating Income is used for the Group&#x2019;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt"&gt;Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes a release of EUR 38&#160;million mainly corresponding to the results by commitments and contingent risks included in the line provisions or reversal of provisions, net of the statutory income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt"&gt;Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except a release of EUR 38&#160;million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfOperatingSegmentsExplanatory>
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      id="f-15724"
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      id="f-15728"
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      id="f-15729"
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      id="f-15730"
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      decimals="-6"
      id="f-15735"
      unitRef="eur">1921000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
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      id="f-15736"
      unitRef="eur">582000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
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      id="f-15737"
      unitRef="eur">386000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
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      id="f-15738"
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      unitRef="eur">-38000000</san:ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks>
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    <san:DisclosureOfReconciliationOfUnderlyingResultsToStatutoryResultsTableTextBlock contextRef="c-1" id="f-15743">&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The tables below reconcile the statutory basis results to the underlying results for each of the periods presented as required by IFRS 8. For the purposes of these reconciliations, all material reconciling items are separately identified and described.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander assets and liabilities for management reporting purposes do not differ from the statutory reported figures and therefore are not reconciled.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.161%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Reconciliation of statutory results to underlying results &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Statutory results&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Adjustments related to the Poland disposal&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying results&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;42,348&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;53&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;42,401&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,976&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(48)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,928&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,362&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;58,311&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;58,308&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Administrative expenses, depreciation and amortisation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24,779)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24,757)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating costs&lt;br/&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,653)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,653)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;33,532&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,653)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,898&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12,596)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;467&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12,128)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,255)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,422&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(834)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,681&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;236&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,936&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,723)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(210)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,939)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Adjusted profit for the year from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,958&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,997&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Profit from discontinued operations (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,542&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,542)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit/(loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,500&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,529)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,997&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,399)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(845)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Attributable profit/(loss) to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,101&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(949)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,152&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Net Operating Income is used for the Group&#x2019;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt"&gt;Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 50&#160;million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:15pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt"&gt;Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except for an addition of EUR 50 million mainly corresponding to results from commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.161%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Reconciliation of statutory results to underlying results&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Statutory results&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Adjustments related to the Poland disposal&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying results&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;43,787&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;37&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;43,824&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,376&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(41)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(331)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(60)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(391)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;58,043&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(59)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;57,984&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Administrative expenses, depreciation and amortisation &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(25,215)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(25,135)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,219)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,219)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;32,828&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2,219)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,630&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12,183)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;352&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11,822)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,298)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,867&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,431)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,347&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,377&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,844)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,853)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Adjusted profit for the year from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,503&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,524&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Profit from discontinued operations (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,241&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,241)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit/(loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,744&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,220)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,524&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,170)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(750)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Attributable profit/(loss) to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,574&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(800)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,774&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Net Operating Income is used for the Group&#x2019;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt"&gt;Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes an addition of EUR 47 million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:27pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt"&gt;Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except for an addition of EUR 47 million mainly corresponding to results from commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.161%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Reconciliation of statutory results to underlying results&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Statutory results&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Adjustments related to the Poland disposal&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Underlying results&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net interest income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;40,650&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;68&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;40,718&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net fee income &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(27)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,468&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains (losses) on financial transactions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,565&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,566&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(759)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(53)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(812)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total income &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;53,951&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;53,940&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Administrative expenses, depreciation and amortisation &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24,684)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(24,615)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other operating costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,886)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,886)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net operating income&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;29,267&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;58&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,886)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;27,439&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;E&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12,260)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;474&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11,784)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other gains (losses) and provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;F&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,002)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,651&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(350)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Operating profit/(loss) before tax &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,005&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;61&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;239&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,305&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax on profit &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,880)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(213)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,112)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Adjusted profit for the year from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,125&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;42&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Profit from discontinued operations (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,058)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated profit/(loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,183&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,016)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,193&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,107)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;342&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(26)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(791)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Attributable profit/(loss) to the parent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,076&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(674)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,402&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Net interest income includes the net amount of the profit and loss account items 'Interest income' and 'Interest expense'. It is presented this way because it is how it is presented to the main operational decision maker.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Gains (losses) on financial transactions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net, Gain or losses on financial assets and liabilities held for trading, net, Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss, net, Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net, Gain or losses from hedge accounting, net and Exchange differences, net.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Other operating income includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Dividend income; Income from companies accounted for using the equity method, Other operating income, Other operating expenses, Income from assets under insurance or reinsurance contracts and Expenses from liabilities under insurance or reinsurance contracts. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:0.75pt"&gt;Net Operating Income is used for the Group&#x2019;s internal reporting and management reporting purposes but is not a line item in the statutory consolidated income statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.65pt"&gt;Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes a release of EUR 38 million mainly corresponding to the results by commitments and contingent risks includes in the line of the statutory income statement of provisions or reversal of provisions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:18pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.85pt"&gt;Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except a release of EUR 38 million mainly corresponding to results from commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfReconciliationOfUnderlyingResultsToStatutoryResultsTableTextBlock>
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    <ifrs-full:InterestRevenueExpense
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    <ifrs-full:InterestRevenueExpense
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    <ifrs-full:InterestRevenueExpense
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      id="f-15747"
      unitRef="eur">42401000000</ifrs-full:InterestRevenueExpense>
    <ifrs-full:FeeAndCommissionIncomeExpense contextRef="c-1" decimals="-6" id="f-15748" unitRef="eur">12976000000</ifrs-full:FeeAndCommissionIncomeExpense>
    <ifrs-full:FeeAndCommissionIncomeExpense
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      unitRef="eur">-48000000</ifrs-full:FeeAndCommissionIncomeExpense>
    <ifrs-full:FeeAndCommissionIncomeExpense
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      id="f-15750"
      unitRef="eur">0</ifrs-full:FeeAndCommissionIncomeExpense>
    <ifrs-full:FeeAndCommissionIncomeExpense
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      id="f-15751"
      unitRef="eur">12928000000</ifrs-full:FeeAndCommissionIncomeExpense>
    <ifrs-full:OtherGainsLosses contextRef="c-1" decimals="-6" id="f-15752" unitRef="eur">2362000000</ifrs-full:OtherGainsLosses>
    <ifrs-full:OtherGainsLosses
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    <ifrs-full:OtherGainsLosses
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    <ifrs-full:OtherGainsLosses
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      unitRef="eur">2354000000</ifrs-full:OtherGainsLosses>
    <san:OtherOperatingIncomeExpenseSegmentReporting contextRef="c-1" decimals="-6" id="f-15756" unitRef="eur">625000000</san:OtherOperatingIncomeExpenseSegmentReporting>
    <san:OtherOperatingIncomeExpenseSegmentReporting
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      id="f-15757"
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    <san:OtherOperatingIncomeExpenseSegmentReporting
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    <san:OtherOperatingIncomeExpenseSegmentReporting
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    <ifrs-full:GrossProfit contextRef="c-1" decimals="-6" id="f-15760" unitRef="eur">58311000000</ifrs-full:GrossProfit>
    <ifrs-full:GrossProfit
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      id="f-15761"
      unitRef="eur">-3000000</ifrs-full:GrossProfit>
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      unitRef="eur">0</ifrs-full:GrossProfit>
    <ifrs-full:GrossProfit
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      id="f-15763"
      unitRef="eur">58308000000</ifrs-full:GrossProfit>
    <san:AdministrativeExpensesDepreciationAndAmortisation contextRef="c-1" decimals="-6" id="f-15764" unitRef="eur">24779000000</san:AdministrativeExpensesDepreciationAndAmortisation>
    <san:AdministrativeExpensesDepreciationAndAmortisation
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      id="f-15765"
      unitRef="eur">-22000000</san:AdministrativeExpensesDepreciationAndAmortisation>
    <san:AdministrativeExpensesDepreciationAndAmortisation
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      id="f-15766"
      unitRef="eur">0</san:AdministrativeExpensesDepreciationAndAmortisation>
    <san:AdministrativeExpensesDepreciationAndAmortisation
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      unitRef="eur">24757000000</san:AdministrativeExpensesDepreciationAndAmortisation>
    <san:OtherOperatingCostSegmentReporting contextRef="c-1" decimals="-6" id="f-15768" unitRef="eur">0</san:OtherOperatingCostSegmentReporting>
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      id="f-15771"
      unitRef="eur">1653000000</san:OtherOperatingCostSegmentReporting>
    <san:NetOperatingIncomeExpenseSegmentReporting contextRef="c-1" decimals="-6" id="f-15772" unitRef="eur">33532000000</san:NetOperatingIncomeExpenseSegmentReporting>
    <san:NetOperatingIncomeExpenseSegmentReporting
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    <san:NetOperatingIncomeExpenseSegmentReporting
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    <san:NetOperatingIncomeExpenseSegmentReporting
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      id="f-15775"
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    <san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet contextRef="c-1" decimals="-6" id="f-15776" unitRef="eur">12596000000</san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet>
    <san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet
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      id="f-15777"
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    <san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet
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      id="f-15778"
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    <san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet
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      id="f-15779"
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    <san:OtherNonFinancialGainsLosses contextRef="c-1" decimals="-6" id="f-15780" unitRef="eur">-2255000000</san:OtherNonFinancialGainsLosses>
    <san:OtherNonFinancialGainsLosses
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    <san:OtherNonFinancialGainsLosses
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      id="f-15782"
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    <san:OtherNonFinancialGainsLosses
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    <ifrs-full:ProfitLossBeforeTax contextRef="c-1" decimals="-6" id="f-15784" unitRef="eur">18681000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax
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      unitRef="eur">19000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax
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      unitRef="eur">236000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax
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      id="f-15787"
      unitRef="eur">18936000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:IncomeTaxExpenseContinuingOperations contextRef="c-1" decimals="-6" id="f-15788" unitRef="eur">4723000000</ifrs-full:IncomeTaxExpenseContinuingOperations>
    <ifrs-full:IncomeTaxExpenseContinuingOperations
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    <ifrs-full:IncomeTaxExpenseContinuingOperations
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      id="f-15790"
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    <ifrs-full:IncomeTaxExpenseContinuingOperations
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    <ifrs-full:ProfitLossFromContinuingOperations contextRef="c-1" decimals="-6" id="f-15792" unitRef="eur">13958000000</ifrs-full:ProfitLossFromContinuingOperations>
    <ifrs-full:ProfitLossFromContinuingOperations
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    <ifrs-full:ProfitLossFromContinuingOperations
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    <ifrs-full:ProfitLossFromContinuingOperations
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      unitRef="eur">13997000000</ifrs-full:ProfitLossFromContinuingOperations>
    <ifrs-full:ProfitLossFromDiscontinuedOperations contextRef="c-1" decimals="-6" id="f-15796" unitRef="eur">1542000000</ifrs-full:ProfitLossFromDiscontinuedOperations>
    <ifrs-full:ProfitLossFromDiscontinuedOperations
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      id="f-15797"
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    <ifrs-full:ProfitLossFromDiscontinuedOperations
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      decimals="-6"
      id="f-15798"
      unitRef="eur">0</ifrs-full:ProfitLossFromDiscontinuedOperations>
    <ifrs-full:ProfitLossFromDiscontinuedOperations
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      decimals="-6"
      id="f-15799"
      unitRef="eur">0</ifrs-full:ProfitLossFromDiscontinuedOperations>
    <ifrs-full:ProfitLoss contextRef="c-1" decimals="-6" id="f-15800" unitRef="eur">15500000000</ifrs-full:ProfitLoss>
    <ifrs-full:ProfitLoss
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      id="f-15801"
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    <ifrs-full:ProfitLoss
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    <san:NetOperatingIncomeExpenseSegmentReporting contextRef="c-87" decimals="-6" id="f-15923" unitRef="eur">29267000000</san:NetOperatingIncomeExpenseSegmentReporting>
    <san:NetOperatingIncomeExpenseSegmentReporting
      contextRef="c-6495"
      decimals="-6"
      id="f-15924"
      unitRef="eur">58000000</san:NetOperatingIncomeExpenseSegmentReporting>
    <san:NetOperatingIncomeExpenseSegmentReporting
      contextRef="c-6496"
      decimals="-6"
      id="f-15925"
      unitRef="eur">-1886000000</san:NetOperatingIncomeExpenseSegmentReporting>
    <san:NetOperatingIncomeExpenseSegmentReporting
      contextRef="c-6274"
      decimals="-6"
      id="f-15926"
      unitRef="eur">27439000000</san:NetOperatingIncomeExpenseSegmentReporting>
    <san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet contextRef="c-87" decimals="-6" id="f-15927" unitRef="eur">12260000000</san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet>
    <san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet
      contextRef="c-6495"
      decimals="-6"
      id="f-15928"
      unitRef="eur">-2000000</san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet>
    <san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet
      contextRef="c-6496"
      decimals="-6"
      id="f-15929"
      unitRef="eur">-474000000</san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet>
    <san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet
      contextRef="c-6274"
      decimals="-6"
      id="f-15930"
      unitRef="eur">11784000000</san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet>
    <san:OtherNonFinancialGainsLosses contextRef="c-87" decimals="-6" id="f-15931" unitRef="eur">-2002000000</san:OtherNonFinancialGainsLosses>
    <san:OtherNonFinancialGainsLosses
      contextRef="c-6495"
      decimals="-6"
      id="f-15932"
      unitRef="eur">1000000</san:OtherNonFinancialGainsLosses>
    <san:OtherNonFinancialGainsLosses
      contextRef="c-6496"
      decimals="-6"
      id="f-15933"
      unitRef="eur">1651000000</san:OtherNonFinancialGainsLosses>
    <san:OtherNonFinancialGainsLosses
      contextRef="c-6274"
      decimals="-6"
      id="f-15934"
      unitRef="eur">-350000000</san:OtherNonFinancialGainsLosses>
    <ifrs-full:ProfitLossBeforeTax contextRef="c-87" decimals="-6" id="f-15935" unitRef="eur">15005000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax
      contextRef="c-6495"
      decimals="-6"
      id="f-15936"
      unitRef="eur">61000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax
      contextRef="c-6496"
      decimals="-6"
      id="f-15937"
      unitRef="eur">239000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:ProfitLossBeforeTax
      contextRef="c-6274"
      decimals="-6"
      id="f-15938"
      unitRef="eur">15305000000</ifrs-full:ProfitLossBeforeTax>
    <ifrs-full:IncomeTaxExpenseContinuingOperations contextRef="c-87" decimals="-6" id="f-15939" unitRef="eur">3880000000</ifrs-full:IncomeTaxExpenseContinuingOperations>
    <ifrs-full:IncomeTaxExpenseContinuingOperations
      contextRef="c-6495"
      decimals="-6"
      id="f-15940"
      unitRef="eur">19000000</ifrs-full:IncomeTaxExpenseContinuingOperations>
    <ifrs-full:IncomeTaxExpenseContinuingOperations
      contextRef="c-6496"
      decimals="-6"
      id="f-15941"
      unitRef="eur">213000000</ifrs-full:IncomeTaxExpenseContinuingOperations>
    <ifrs-full:IncomeTaxExpenseContinuingOperations
      contextRef="c-6274"
      decimals="-6"
      id="f-15942"
      unitRef="eur">4112000000</ifrs-full:IncomeTaxExpenseContinuingOperations>
    <ifrs-full:ProfitLossFromContinuingOperations contextRef="c-87" decimals="-6" id="f-15943" unitRef="eur">11125000000</ifrs-full:ProfitLossFromContinuingOperations>
    <ifrs-full:ProfitLossFromContinuingOperations
      contextRef="c-6495"
      decimals="-6"
      id="f-15944"
      unitRef="eur">42000000</ifrs-full:ProfitLossFromContinuingOperations>
    <ifrs-full:ProfitLossFromContinuingOperations
      contextRef="c-6496"
      decimals="-6"
      id="f-15945"
      unitRef="eur">26000000</ifrs-full:ProfitLossFromContinuingOperations>
    <ifrs-full:ProfitLossFromContinuingOperations
      contextRef="c-6274"
      decimals="-6"
      id="f-15946"
      unitRef="eur">11193000000</ifrs-full:ProfitLossFromContinuingOperations>
    <ifrs-full:ProfitLossFromDiscontinuedOperations contextRef="c-87" decimals="-6" id="f-15947" unitRef="eur">1058000000</ifrs-full:ProfitLossFromDiscontinuedOperations>
    <ifrs-full:ProfitLossFromDiscontinuedOperations
      contextRef="c-6495"
      decimals="-6"
      id="f-15948"
      unitRef="eur">-1058000000</ifrs-full:ProfitLossFromDiscontinuedOperations>
    <ifrs-full:ProfitLossFromDiscontinuedOperations
      contextRef="c-6496"
      decimals="-6"
      id="f-15949"
      unitRef="eur">0</ifrs-full:ProfitLossFromDiscontinuedOperations>
    <ifrs-full:ProfitLossFromDiscontinuedOperations
      contextRef="c-6274"
      decimals="-6"
      id="f-15950"
      unitRef="eur">0</ifrs-full:ProfitLossFromDiscontinuedOperations>
    <ifrs-full:ProfitLoss contextRef="c-87" decimals="-6" id="f-15951" unitRef="eur">12183000000</ifrs-full:ProfitLoss>
    <ifrs-full:ProfitLoss
      contextRef="c-6495"
      decimals="-6"
      id="f-15952"
      unitRef="eur">-1016000000</ifrs-full:ProfitLoss>
    <ifrs-full:ProfitLoss
      contextRef="c-6496"
      decimals="-6"
      id="f-15953"
      unitRef="eur">26000000</ifrs-full:ProfitLoss>
    <ifrs-full:ProfitLoss
      contextRef="c-6274"
      decimals="-6"
      id="f-15954"
      unitRef="eur">11193000000</ifrs-full:ProfitLoss>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests contextRef="c-87" decimals="-6" id="f-15955" unitRef="eur">1107000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-6495"
      decimals="-6"
      id="f-15956"
      unitRef="eur">-342000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-6496"
      decimals="-6"
      id="f-15957"
      unitRef="eur">26000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-6274"
      decimals="-6"
      id="f-15958"
      unitRef="eur">791000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:ProfitLossAttributableToOwnersOfParent contextRef="c-87" decimals="-6" id="f-15959" unitRef="eur">11076000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
    <ifrs-full:ProfitLossAttributableToOwnersOfParent
      contextRef="c-6495"
      decimals="-6"
      id="f-15960"
      unitRef="eur">-674000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
    <ifrs-full:ProfitLossAttributableToOwnersOfParent
      contextRef="c-6496"
      decimals="-6"
      id="f-15961"
      unitRef="eur">0</ifrs-full:ProfitLossAttributableToOwnersOfParent>
    <ifrs-full:ProfitLossAttributableToOwnersOfParent
      contextRef="c-6274"
      decimals="-6"
      id="f-15962"
      unitRef="eur">10402000000</ifrs-full:ProfitLossAttributableToOwnersOfParent>
    <san:ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks
      contextRef="c-6274"
      decimals="-6"
      id="f-15963"
      unitRef="eur">-38000000</san:ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks>
    <san:ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks
      contextRef="c-6274"
      decimals="-6"
      id="f-15964"
      unitRef="eur">-38000000</san:ProvisionReleaseCorrespondingToResultsFromCommitmentsAndContingentRisks>
    <ifrs-full:ExpenseOfRestructuringActivities contextRef="c-87" decimals="-6" id="f-15965" unitRef="eur">385000000</ifrs-full:ExpenseOfRestructuringActivities>
    <san:LoanLossProvisionsNetOfTaxesAndMinorityInterest
      contextRef="c-6497"
      decimals="-6"
      id="f-15966"
      unitRef="eur">235000000</san:LoanLossProvisionsNetOfTaxesAndMinorityInterest>
    <san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet
      contextRef="c-6498"
      decimals="-6"
      id="f-15967"
      unitRef="eur">-474000000</san:ImpairmentAndReversalOfImpairmentOnFinancialAssetsNet>
    <ifrs-full:IncomeTaxExpenseContinuingOperations
      contextRef="c-6498"
      decimals="-6"
      id="f-15968"
      unitRef="eur">-213000000</ifrs-full:IncomeTaxExpenseContinuingOperations>
    <ifrs-full:ProfitLossAttributableToNoncontrollingInterests
      contextRef="c-6498"
      decimals="-6"
      id="f-15969"
      unitRef="eur">-26000000</ifrs-full:ProfitLossAttributableToNoncontrollingInterests>
    <ifrs-full:GainsOnDisposalsOfInvestments
      contextRef="c-6499"
      decimals="-6"
      id="f-15970"
      unitRef="eur">270000000</ifrs-full:GainsOnDisposalsOfInvestments>
    <ifrs-full:DisclosureOfRelatedPartyExplanatory contextRef="c-1" id="f-15971">Related parties&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The parties related to the Group are deemed to include, in addition to its associates and joint ventures, the Bank's key management personnel (the members of its board of directors and the senior management, together with their close family members) and the entities over which the key management personnel may exercise significant influence or control. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following below is the balance sheet balances and amounts of the Group's income statement corresponding to operations with the parties related to it, distinguishing between associates and joint ventures, members of the Bank's board of directors, the Bank's senior management, 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 recognized.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.198%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Associates and&#160;joint ventures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Members of the board of directors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Senior Management&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other related parties&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,491&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;295&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash, cash balances at central banks and other deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances: credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;286&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances: customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,835&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;274&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,978&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;376&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities: credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities: customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;376&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,724&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(119)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains/losses on financial assets and liabilities and others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(53)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commission income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commission expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(91)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,732&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;189&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial guarantees granted and Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loan commitments and Other commitments granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivative financial instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,386&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;90&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.198%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Associates and&#160;joint ventures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Members of the board of directors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Senior Management&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other related parties&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,783&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;226&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash, cash balances at central banks and other deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances: credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances: customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,750&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;221&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;234&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,243&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;292&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities: credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities: customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;205&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,776&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(153)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains/losses on financial assets and liabilities and others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commission income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,535&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commission expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(103)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,712&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;216&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial guarantees granted and Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loan commitments and Other commitments granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;317&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivative financial instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,377&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.198%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Associates and&#160;joint ventures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Members of the board of directors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Senior Management&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other related parties&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,497&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;186&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash, cash balances at central banks and other deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;154&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances: credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances: customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;185&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;391&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,480&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;150&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities: credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;463&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities: customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,727&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;290&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,698&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;427&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(149)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains/losses on financial assets and liabilities and others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commission income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,499&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commission expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(122)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,189&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,094&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial guarantees granted and Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loan commitments and Other commitments granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;274&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivative financial instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;224&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The remaining required information is detailed in notes 5 and 46.c.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;</ifrs-full:DisclosureOfRelatedPartyExplanatory>
    <ifrs-full:DisclosureOfTransactionsBetweenRelatedPartiesExplanatory contextRef="c-1" id="f-15972">&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following below is the balance sheet balances and amounts of the Group's income statement corresponding to operations with the parties related to it, distinguishing between associates and joint ventures, members of the Bank's board of directors, the Bank's senior management, 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 recognized.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.198%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Associates and&#160;joint ventures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Members of the board of directors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Senior Management&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other related parties&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,491&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;295&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash, cash balances at central banks and other deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances: credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;286&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances: customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,835&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;274&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,978&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;376&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities: credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities: customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;376&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,724&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(119)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains/losses on financial assets and liabilities and others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(53)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commission income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commission expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(91)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,732&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;189&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial guarantees granted and Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loan commitments and Other commitments granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivative financial instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,386&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;90&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.198%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Associates and&#160;joint ventures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Members of the board of directors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Senior Management&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other related parties&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,783&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;226&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash, cash balances at central banks and other deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances: credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances: customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,750&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;221&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;234&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,243&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;292&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities: credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities: customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;205&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,776&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(153)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains/losses on financial assets and liabilities and others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commission income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,535&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commission expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(103)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,712&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;216&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial guarantees granted and Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loan commitments and Other commitments granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;317&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Derivative financial instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,377&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.198%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Associates and&#160;joint ventures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Members of the board of directors&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Senior Management&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other related parties&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 7.75pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,497&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;186&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash, cash balances at central banks and other deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;154&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances: credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;405&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances: customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;185&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;391&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:11pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,480&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;150&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities: credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;463&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities: customers&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,727&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Marketable debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;290&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,698&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;427&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(149)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains/losses on financial assets and liabilities and others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commission income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,499&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commission expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(122)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander 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    <ifrs-full:DisclosureOfFinancialRiskManagementExplanatory contextRef="c-1" id="f-16225">Risk management&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i36396c5466634785a71f37cdc8e94645"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;a) Risk principles and culture&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The principles on which Grupo Santander's risk management and control are based are detailed below. They take into account regulatory requirements, best market practices and are mandatory:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;1.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:4.44pt"&gt;All employees are responsible for risk management&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;. They must understand the risks arising from their activities and take ownership for managing them.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;2.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:4.44pt"&gt;Senior management involvement.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; Through conduct, actions and communications, senior management promotes consistent risk management, fosters our risk culture, and oversees that the risk profile remains within the appetite set.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;3.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:4.44pt"&gt;Independence:&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; Risk management and control functions operate independently according to our three-lines-of-defence model, with clearly defined roles and responsibilities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;4.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:4.44pt"&gt;Holistic, forward-looking approach: &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;We take a comprehensive approach to risk management and control that extends to all businesses and risk types that could have a material impact. This approach is forward-looking and considers trends across several time horizons and scenarios.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;5.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:4.44pt"&gt;Corporate oversight of subsidiaries: &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Banco Santander sets minimum risk management and control standards through reference documents. Subsidiaries are responsible for translating these standards into their own internal policies and procedures.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i6aa0e996fc8a4c11b89643a359af06f1"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;1. Key risk types&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander's risks categorization allows effective risk management, control and reporting, and includes, among others the following risk types:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Credit risk&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; is the risk of loss arising from the failure of a customer or counterparty to meet its obligations to which the Santander Group has provided financing or entered into a contractual commitment, or from the deterioration of their credit quality.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Market risk&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; is the risk incurred as a result of the effect of changes in market factors interest rates, exchange rates, equities and commodities, among others, may have on profits or capital.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Liquidity risk&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; is the risk incurred because of adverse movements in the factors that determine the market value of financial instruments, such as interest rates, exchange rates, equity prices and commodities, among others.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Structural Risk&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; is the risk of changes in the value or margin generation of the assets or liabilities in the banking book resulting from changes in market and behavioural factors. It also includes risks associated with insurance and pension activities, as well as the risk of not having an adequate amount or quality of capital to meet internal business objectives, regulatory requirements, or market expectations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Capital risk&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;, included within the scope of structural risk, is the risk that arises from the possibility of having an inadequate quantity or quality of capital to meet internal business objectives, regulatory requirements or market expectations.&lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander also takes into account, on an ongoing basis in its risk management, operational (includes fraud, technological, cyber, legal and conduct risks), financial crime (includes, among others, money laundering, terrorism financing, violation of international sanctions, corruption, bribery and tax evasion), model, reputational and strategic risks.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;These risks may be affected by a range of factors that we identify and assess in line with regulatory requirements and industry practice, including: geopolitical developments (international conflicts, economic and monetary decisions, new regulations or trade tensions); digital and transformation initiatives linked to technological change or shifts in business models; and sustainability factors &#x2014; environmental (natural and climate-related, including extreme events and resource scarcity, as well as those arising from the transition to a more sustainable economy), social (relating to people&#x2019;s rights, welfare and interests) and governance, both within Grupo Santander and among our counterparties.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In particular, from an environmental and climate perspective, the relevant elements cover, on the one hand, those stemming from the physical effects of climate change and, on the other, those linked to the transition towards a more sustainable economy, including legislative and regulatory, technological or behavioural changes among economic agents.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Given the nature of its operations, the Group has no environment-related liabilities, expenses, assets or contingencies that may be material to its consolidated equity, financial situation and results.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;According to market consensus and our materiality assessment, exposure in the sectors where environmental factors may have the most impact mainly relate to wholesale customers. Our management of these customers considers environmental aspects in the preliminary assessment, credit origination and the preparation and review of their credit ratings, which influence the parameters we use to calculate their probability of default (PD). Thus, we embed the most material climate factors in our assessments and in capital loss and provisions calculations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Moreover, to cover and anticipate potential future losses from severe climate events, such as the Valencia DANA or Hurricane Milton in Florida, we have set overlays whose amount to date has not been material to the Group's total loan loss reserves.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander has enhanced its methodological framework to quantify and assess transition and physical risks in credit losses for climate impacts that are not specifically captured through the forward-looking component implemented under the IFRS 9 framework. We assess these risks under several scenarios published by the NGFS, which explore varying assumptions on shifts in climate policies, emissions, temperatures and physical risk impacts. We take a proportionality approach by assessing the impact on the Group&#x2019;s core markets and portfolios, especially non-financial entities and mortgage products.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Regarding impact on companies&#x2019; credit quality, the model assesses the transmission of customers&#x2019; physical and transition climate risk through defined channels (sector GVA, GHG emissions, carbon price, regional GDP, or collateral valuations).&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For mortgage products, climate risk appears mainly through a deterioration in collateral values, as reflected in the loan-to-value ratio, which is the main transmission channel into LGD.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;These methodologies enable us to embed potential climate-event impacts on credit losses in credit risk management. Against this backdrop, we carried out both internal capital self-assessment exercises and regulatory stress tests.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In light of the above and based on the best information available at the date of these consolidated annual financial statements, we also assessed the potential additional impact of climate and environmental risks on the Group&#x2019;s equity, financial situation and results in 2025. We did not identify any significant or material impacts.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ifd90ac4ea8ad4ff198eaef3f702f39ad"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;2. Risk and compliance governance&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander robust risk and compliance governance structure allows us to conduct effective oversight in line with our risk appetite. It stands on three lines of defence, a structure of committees and strong Group-subsidiary relations, guided by our risk culture, Risk Pro.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i8e80995fea564f86ba6f14926c5b44d8"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;2.1 Lines of defence&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander model of three lines of defence effectively manages and controls risks:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;First line&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;: formed business functions, as well as all other functions that generate risk, constitute the first line of defence. They must establish an appropriate environment to manage all risks associated with the business and support compliance with internal policies and regulation. Risk management must operate within the approved risk appetite and associated limits. The first line executes mitigation plans for risks where weaknesses are identified in its control environment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Second line: &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;formed by the risk and compliance functions, independently oversees and challenges the risk management activities that the first line carries out. Its role is to help verify that we manage risks in line with the established risk appetite and to promote a strong risk culture across the organization.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Third line:&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; formed by Internal Audit is a permanent function, independent of any other functions or units, whose objective is to provide the Management Body and the senior management with independent assurance on the quality and effectiveness of internal control, risk management (current or emerging) and governance processes and systems, thereby helping to protect the company&#x2019;s value, solvency, and reputation. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Risk, Compliance and Internal Audit are sufficiently separate and autonomous functions, with direct access to the board and its committees. The risk and compliance functions report to the risk supervision, regulation and compliance committee and the internal audit function reports to the audit committee.&lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="i027908e8446c4136afd687a36b6895b2"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;2.2 Risk committee structure&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"&gt; board of directors &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;has final oversight of risk and compliance management and control to promote a sound risk culture and review and approve risk appetite and frameworks, with support from its risk, regulation and compliance committee (RSRCC) and its executive committee. The Group's risk governance keeps risk control and risk-taking areas separate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Our governance structure also includes key roles and executive committees that strengthen oversight and support the effective performance of the control function.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"&gt;Group chief risk officer (CRO)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;, who &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%"&gt;leads the application and execution of &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;risk strategy and promotes proper risk culture, is in charge of overseeing all risks and challenging and advising business lines on risk management.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"&gt;Group chief compliance officer (CCO)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%"&gt;leads the application and execution of&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; the compliance and conduct risk strategy and reports the status of risks being monitored in order to provide the Chief Risk Officer with a comprehensive view of all risks. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The CRO and the CCO report directly to both the risk supervision, regulation and compliance committee and the board of directors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The executive risk, risk control and compliance and conduct committees are executive committees with powers delegated from the board.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Furthermore, the executive-level committees delegate part of their responsibilities to forums and/or standing meetings to manage and control each risk type.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Their responsibilities include: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Inform the CRO, the CCO, the risk control committee and the compliance and conduct committee if risks are being managed within risk appetite;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Conduct regular follow-ups for each key risk type; and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Overseeing the measures adopted to meet supervisor's and auditor's expectations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Besides, Grupo Santander, in order to establish an adequate control environment for the management of each risk types, the risk and compliance functions have effective internal regulation to create the right environment to manage and control all risks.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander may introduce additional governance measures for special situations to reinforce the monitoring of all risks, with particular focus on trends in key macroeconomic indicators and liquidity, the identification of vulnerable sectors/customers, and the strengthening of cybersecurity, among other aspects. Activating these special-situations forums helps the Group address the effects of the geopolitical and macroeconomic environment with resilience.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i1a9f6f6c616b4d0bb3c93691f8120cb3"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;2.3 The Group's relationship with subsidiaries&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander subsidiaries&#x2019; risk and compliance management and control model is consistent with the frameworks approved by the Group board of directors. Subsidiaries adhere to the frameworks through their own boards and can only adapt to higher standards according to local law and regulation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As part of Santander's aggregated risk oversight, we challenge and review subsidiaries&#x2019; internal regulations and activities. This enables us to maintain a common risk management and control model across the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The risk and compliance functions support the businesses and oversee risks at both global and local levels. In addition, over the year we continued to strengthen the Group&#x2013;subsidiary relationship model, leveraging our global scale to identify synergies under a common operating model and shared platforms. The model promotes process simplification and the reinforcement of control mechanisms to support the growth of our businesses.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander's Group&#x2013;subsidiary governance model (GSGM) sets out the principles that govern the relationship between Group key roles and the subsidiaries, which helps safeguard the independence of local second lines. The CRO and CCO take part in the appointment, objectives, performance reviews and remuneration of their local counterparts, which helps confirm that they are controlling risks appropriately.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;We continue to strengthen the relationship between the Group and its subsidiaries through close cooperation among our subsidiaries to develop common initiatives more efficiently, such as:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Transformation of organizational structures, sharing benchmarks across countries and contributing to the function&#x2019;s strategic vision to promote the rollout of more advanced risk-management infrastructures and practices.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Exchange of best practices to strengthen processes and drive innovation. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Promotion of internal talent and mobility, both geographic and functional, as well as fostering diversity within teams to reflect the diversity of the environments in which we operate.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Developing our risk professionals, improving innovation, the quality of decisions, and fostering a global mindset is key to enhance organizational resilience and reinforcing a global mindset.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The GSGM model also applies to the Group&#x2019;s global businesses. This gives us a global-local organization in which countries ultimately remain responsible for delivering the budget, the business and customer strategy, and financial management, while the global businesses lead shared initiatives through common operating models and shared technologies, improving local performance.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="iac199c2b64994ce38dc612b3e57cfab5"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;3. Management processes and tools&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander has these effective risk management processes and tools:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="icd4c3d35dae349b688a271f8c8bd3668"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;3.1 Risk appetite and structure of limits&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Risk appetite is the aggregate level and types of risk that Grupo Santander deems prudent for our business strategy, even in unforeseen circumstances. Risk appetite is governed throughout the Group by the following principles:&lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Risk appetite is part of the board's duties&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;. The board prepares the risk appetite statement (RAS) for the whole Group every year. Through a cascading-down process, each subsidiary's board also sets its own risk appetite.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Comprehensiveness and forward-looking approach&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;. Our appetite includes all material risks to which we are exposed and defines our target risk profile for the current and medium term, with a forward-looking view that considers stress scenarios. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Common standards embedded in the day-to-day risk management&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;. The Group shares the same risk appetite model, which sets common requirements for processes, metrics, governance bodies, controls and standards. This facilitates effective and traceable embedding of risk appetite into more granular management policies and limits across our subsidiaries..&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Continuous monitoring and adaptation&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;. Risk appetite is regularly monitored, reviewed and updated to reflect changes in market conditions, regulatory requirements and supervisory expectations. Compliance with risk appetite limits is monitored on a regular basis through dedicated reporting to senior management and the board and its committees. Breaches or potential breaches are subject to predefined escalation, remediation and follow-up processes, with oversight proportionate to their materiality through senior management and the Group&#x2019;s governing bodies.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Alignment with strategy and business plans&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;. Before approving the three-year strategic plans, annual budget, and capital and liquidity plans, the Group verifies their consistency with the limits set in the Risk Appetite Statement. We promote the alignment of strategic and business plans with our risk appetite by:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;considering the risk appetite, long-term strategic view and the risk culture when drafting strategic and business plans. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;challenging business and strategic plans against the risk appetite. Misalignments trigger a review of either the three-year strategic plan (to make sure we stay within RAS limits) or risk appetite limits, with independent governance. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;continuous monitoring of risk appetite compliance through the three lines of defence model.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The main elements underpinning Grupo Santander&#x2019;s risk appetite and defining our business model are:  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;a medium-low, predictable target risk profile, customer focus, internationally diversified operations and a &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;significant&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; market share;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;stable, recurrent earnings and shareholder remuneration, sustained by a sound base of capital, liquidity and sources of funding;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;autonomous subsidiaries that are self-sufficient in terms of capital and liquidity to safeguard their risk profiles against compromising the Group&#x2019;s profile;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;an independent risk function and a senior management actively engaged in supporting a robust control environment and risk culture; and &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;a conduct model that protects our customers and our Simple, Personal and Fair culture. &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The risk appetite is expressed through qualitative statements and limits on metrics representative of the bank&#x2019;s risk profile at present and under stress. Those metrics cover all risk types according to our corporate risk framework. Grupo Santander articulates them in five axes that provide the Bank with a holistic view of all risks it incurs in the development of its business model. These five axes are applicable to all Santander's key risk types, and comprise:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;P&amp;amp;L volatility: control of P&amp;amp;L volatility of business plan under baseline and stressed conditions (under normal and stressed conditions).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Solvency: control of capital ratios under baseline and stressed scenarios (aligned with ICAAP).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Liquidity: control of liquidity ratios under base and stress scenarios (aligned with ILAAP).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Concentration: control of credit concentration on top clients, portfolios and industries.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Non financial risk and control environment: robust control on non financial risks aimed to minimize events which could lead to financial loss, operative, technological, legal and regulatory breaches, conduct issues or reputational damage.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="id766f938a14f4270b9068f26db32501a"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;b) Credit risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i4fdb90cfbf3f443c98ea211c1c932050"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;1. Introduction to the credit risk treatment&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander takes a holistic view of the credit risk cycle, including the transaction, the customer and the portfolio, in order to identify, analyse, control and decide on credit risk. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Credit risk identification facilitates active and effective portfolio management and control. Grupo Santander identify and classify external and internal risk in each business to adopt any corrective or mitigating measures through:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="iaa71911e3bec4f028d6a22af53387191"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;1.1. Planning&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Planning allows to set business objectives and define concrete action plans, integrating the risk appetite statement into portfolio management.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Strategic commercial plans (SCPs) are the management and control tool that the Business and Risk areas define for credit portfolios, with support from the other functions involved (Finance, Management Control, among others). They set out the commercial strategy, risk policies, and the resources and infrastructure required, providing a holistic view of portfolio management. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;They also provide an up-to-date view of portfolio credit quality, enable risk measurement, support the execution of internal controls over the defined strategy, allow for periodic monitoring, and help detect material deviations or potential impacts, facilitating the adoption of corrective measures when necessary. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;SCPs are aligned with subsidiaries&#x2019; risk appetite and capital objectives, as well as those of the Group, and are approved and overseen by local senior management before being reviewed and ratified at Group level. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="iffbad9af171b488abb49a4e3ba8500bd"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"&gt;1.2. Risk assessment and credit rating&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Credit risk approval criteria focus on borrowers&#x2019; ability to meet their financial obligations. The assessment uses statistical models and an analysis of the net funds or cash flows generated by economic activity, or of regular income, to determine customers&#x2019; repayment capacity in a consistent and sustainable manner.&lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Some statistical credit quality assessment models feed into decision engines to deliver a credit risk assessment quickly and in a consistent, standardised way. These engines support faster and more uniform decision-making, reduce manual errors, apply the same assessment criteria to all customers, and provide traceability and support regulatory compliance. These ratings have multiple uses in risk management, including the origination process (application of limits and pre-approvals), risk monitoring, and as an input to transaction pricing.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;These credit rating models may be: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Rating: from mathematical algorithms that have a quantitative model based on balance sheet ratios or macroeconomic variables or behavioural information, and a qualitative module supplemented by the credit analyst&#x2019;s expert judgement. It is used for large corporates, corporates, institutional and SME segments (with individualised treatment).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Scoring: an automated system that assesses credit applications based on the information provided (admission scoring) or customers&#x2019; credit profiles based on their relationship with the institution (behavioural scoring). Both are complemented by other available information (for example, from external databases). The system automatically assigns each customer an individual score, which then supports the subsequent decision. It is used for individuals and small businesses with no assigned analyst.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group&#x2019;s parameter estimation models rely on econometric models built on historical default and loss data from the portfolios. The Group uses them to calculate economic and regulatory capital, and IFRS 9 provisions, at operation, customer and portfolio level.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;A rigorous governance framework covers the ongoing monitoring and continuous calibration of these models to assess their suitability, predictive power, performance and granularity, as well as compliance with credit policies.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, the Group reviews ratings using the latest available financial information and other relevant data.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander&#xb4;s limits, pre-classifications and pre-approvals processes determine the level of risk the Group can take on with each customer. Automated processes approve and monitor these decisions. Approved limits must align with expected profitability. To support this, we use profitability estimation and risk-based pricing tools that contribute to sustainable portfolio growth.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander applies various limits models to each segment: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Large corporate groups are subject to a pre-classification model based on a system for measuring and monitoring economic capital. Pre-classification models express the level of risk Grupo Santander is willing to assume in transactions with customers/groups.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;In the corporate segment, for customers that meet certain predefined criteria (including internal rating and profitability), the Group applies a pre-classification model for the main products related to the customer&#x2019;s recurring business. The model operates through the setting of internal nominal limits, which define the level of risk to take on with each customer based, among other factors, on their repayment capacity and leverage.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Corporate transactions that exceed certain limits or have specific features must be handled through the approval process for an ad hoc proposal.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;For individual customers and SMEs with low turnover, Grupo Santander manages large volumes of credit transactions using automated decision models that assess each case and assign a limit per customer and transaction.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i98b2a4da58cd469cbc04c81f14d69c87"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"&gt;1.3. Scenario analysis&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander&#xb4;s scenario analyses determine the potential risks in its credit portfolios and provide a better understanding of our portfolios' performance under various macroeconomic conditions. They allow us to anticipate management strategies that will avoid future deviations from defined plans and targets. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;They simulate the impact of alternative scenarios in portfolios&#x2019; credit parameters (PD, LGD) and expected credit losses. Grupo Santander compares findings with portfolios&#x2019; credit profile indicators to find the right measures for managers to take. Credit risk management of portfolios and SCPs incorporate scenario analyses.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="id82425119f31462ebca2bf35d156a3e7"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"&gt;1.4. Monitoring&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Regular, holistic monitoring of customers and portfolios is an essential element of the Group&#x2019;s credit risk management, as it enables continuous monitoring of credit quality, early identification of potential impairment and analysis of business performance against predefined plans and objectives. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The monitoring process systematically analyses changes in credit exposures, customers&#x2019; financial and qualitative characteristics, and any relevant changes in their risk classification. This preventive approach draws on transactional information, behavioural indicators and advanced analytics tools, including early-warning engines, which support early identification of potential deterioration and the implementation of specific actions at both customer and portfolio level, based on the assigned monitoring level. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Monitoring adapts to customer segmentation and the applicable management approach:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;in the large corporate segment, monitoring is carried out jointly by the commercial managers and the risk analysts, which provides an up-to-date, comprehensive view of the customer&#x2019;s credit quality at all times and supports the early identification of any potential deterioration.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;In the commercial banking, institutions and SMEs with an assigned a credit analyst, he teams carry out enhanced monitoring of customers whose risk profile or specific circumstances require it. This includes the periodic review of their internal ratings based on relevant financial, behavioural and environmental indicators.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Monitoring of individual customers, businesses and smaller SMEs follows a system of automatic alerts to detect shifts in portfolios&#x2019; performance.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group structures this process for customers with an assigned analyst through the SCAN (Santander Customer Assessment Note) monitoring framework. SCAN assigns a specific monitoring level to each customer, sets the related operating policies, defines concrete management actions, identifies accountable owners and establishes a review frequency aligned with the customer&#x2019;s risk profile and relevance.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, the Group has aggregated control and analysis procedures that track portfolio performance, identify material deviations from strategic plans or defined alert thresholds, and help prioritise management focus areas. The process is complemented by contingency plans (risk playbooks), which support the early identification and management of impacts from external factors &#x2014; such as macroeconomic, sector or market changes &#x2014; and, where appropriate, trigger corrective measures, including adjustments to risk policies.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span id="i113084d14689436889f8b001443c9f7c"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;1.5.&#160;Credit risk mitigation techniques&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Risk approval criteria generally focus on borrowers&#x2019; ability to meet their financial obligations, without prejudice to any collateral that the Bank may require. Collateral and guarantees provided by the obligor in favour of the Bank aim to modulate the level of exposure.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;To determine ability to pay, the Group analyses funds or cash flows from businesses or other regular income, not including guarantors or loan collateral which are always considered at credit approval as a secondary means of recourse.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;A guarantee is an additional protection mechanism in a credit transaction, intended to mitigate loss in the event of a failure to meet the payment obligation. The Group applies different credit risk mitigation techniques depending, among other factors, on the customer and product type. Some are specific to an individual transaction (e.g., real estate guarantees), while others apply to a set of transactions (e.g., derivatives netting or collateral arrangements). These techniques may be grouped into personal guarantees, real guarantees and hedges using credit derivatives.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The correct acceptance of these mitigation techniques is established by verifying their legal enforceability in all jurisdictions. The entire process is subject to internal control and effective monitoring of the valuation of the guarantees, especially real estate guarantees.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:8.5pt;font-weight:400;line-height:130%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i948ee16805434bda86d8d70395f5057c"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"&gt;1.6.&#160;Collections &amp;amp; recoveries management&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Recovery activity is a relevant function within Grupo Santander&#x2019;s risk management and control framework, as it contributes to portfolio quality as one of the key pillars supporting the Bank&#x2019;s development, growth and business sustainability. Collections and debt recovery management is a specific, ongoing focus to keep portfolio quality within the expected levels.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Collections and Recoveries area defines a global management strategy, based on an end-to-end approach and general lines of action for subsidiaries. Recovery management operates under policies and an independent control environment defined by the risk function, aligned with regulatory requirements and with the Group Santander conduct risk management model. The Group carries out this activity in line with strategies defined by the recovery function, in coordination with the Risk areas. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The recovery strategy combines advanced customer segmentation and the intensive use of digital tools. This supports the optimisation of mass portfolio management and provides tailored support for customers who require individual treatment. The customer remains the focus, and recovery strategies are defined in the context of the relationship with the customer, prioritising the customer&#x2019;s viability. As a result, teams manage the customer holistically across all phases of the cycle.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The function&#x2019;s approach covers the entire credit cycle, prioritising solutions that support customer viability. Even after the asset is written off (failed risk), the Group continues to carry out the necessary actions to maximise recovery. The failed risk category includes debt instruments, whether past due or not, for which, following an individual assessment, recovery is considered remote due to a significant and irreversible deterioration in the solvency of the exposure or the holder. Classification in this category entails the full or partial cancellation of the exposure&#x2019;s gross carrying amount and its derecognition from the balance sheet, without implying that the Group stops negotiations and legal proceedings to recover the amount. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt;padding-right:263.62pt"&gt;&lt;span id="i284cd3ed0ae54e2589274ec993d73c15_15110"&gt;&lt;/span&gt;&lt;span id="i0d5e3a72bdc34bc19426843ac2a135f2"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;2. Main aggregates and variations &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Below are the main aggregates relating to credit risk from our activities with customers:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.649%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Main credit risk performance metrics from activity with customers&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit risk with customers &lt;br/&gt;(EUR million)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit impaired&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(EUR million)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;NPL ratio &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(%)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;305,156&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;288,162&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;280,629&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,915&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,677&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,531&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.94&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.66&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.04&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;UK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;244,303&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;248,061&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;247,360&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,645&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,299&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,518&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.08&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.33&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.42&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Portugal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,760&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,573&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,455&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;948&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,014&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.99&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.27&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.41&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Openbank Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;144,039&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;141,312&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;135,608&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,642&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,527&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,877&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.53&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.50&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.12&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;148,488&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;149,907&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137,894&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,012&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,303&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.82&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.68&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.57&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53,476&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49,927&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;52,785&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,352&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,489&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.65&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.71&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.82&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;118,546&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;116,247&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;126,722&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,010&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,090&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,923&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.76&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.10&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.25&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,146&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,590&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,565&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,528&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,394&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,332&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.73&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.37&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.01&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,813&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,411&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,903&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;677&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;173&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;78&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.68&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.06&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.99&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,340&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,256&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,206&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;327&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;360&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;302&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3.50&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3.89&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3.67&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,159,180&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,134,418&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,115,288&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;33,739&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34,383&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34,671&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2.91&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3.03&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3.11&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-indent:10.91pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.632%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.541%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.541%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.662%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;NPL coverage&#160;ratio &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(%) &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&lt;br/&gt;(EUR million)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cost&#160;of&#160;risk &lt;br/&gt;(%/risk)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,142&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,259&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,522&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.43&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.50&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.61&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;UK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;177&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;247&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.07&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.03&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.10&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Portugal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;81&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;78&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;77&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.02)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.03&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.19&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Openbank Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;87&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;88&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,363&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,209&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;792&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.97&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.88&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.62&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,244&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,507&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,593&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.62&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.82&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.92&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;105&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,239&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,277&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,135&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.69&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.64&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.43&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;81&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;79&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,409&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,487&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,701&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.17&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.03&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.27&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;531&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;365&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.32&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.19&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.80&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;90&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;177&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;166&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;574&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;284&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.34&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.59&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.64&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;198&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2.79&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(0.05)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(0.04)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;64&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,128&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,822&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,784&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1.14&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1.12&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1.13&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A. Data for 2025, 2024 and 2023 reflect the new reporting structure. Management perimeter according to the reported segments.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B. Includes gross loans and advances to customers, guarantees. impaired undrawn customer balances and debt securities issued by non-financial institutions.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C. Loan-loss provisions net of post write-off recoveries (EUR 1,791&#160;million in 2025).&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D. Provisions to cover losses due to impairment of loans in the last 12 months / average customer loans and advances of the last 12 months.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="ide68f831fdee49e3a7eab1e410904c37"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Information on the estimation of impairment losses&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The calculation of provisions for credit risk losses is performed at financial asset level, estimating potential credit losses through the difference between the contractual cash flows and the expected cash flows, ensuring that the results are adequate considering the status of the transaction, economic conditions and available forward-looking information.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The IFRS 9 impairment model applies to financial assets valued at amortized cost; debt instruments valued at fair value with changes in other comprehensive income; leasing receivables; and commitments and guarantees not valued at fair value. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The portfolio of financial instruments subject to IFRS 9 has three credit risk categories (or stages) according to the status of each instrument in relation to its level of credit risk:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Stage 1: financial instruments with no significant increase in risk since initial recognition &#x2013; the impairment provision reflects expected credit losses from defaults over the 12 months from the reporting date.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Stage 2: financial instruments with a significant credit risk increase since initial recognition but no materialized impairment event &#x2013; the impairment provision reflects expected losses from defaults over the financial instrument&#x2019;s residual life.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Stage 3: financial instruments with true signs of impairment as a result of one or more events resulting in a loss &#x2013; the impairment provision reflects expected losses for credit risk over the instrument&#x2019;s expected residual life.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The classification of financial instrument in the IFRS 9 stages is carried out in accordance with the guidelines through the risk management policies of the subsidiaries, which are consistent with the Group's policies.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i284cd3ed0ae54e2589274ec993d73c15_15027"&gt;&lt;/span&gt;&lt;span id="i014605f5baa74f9f92a301850479cca7"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Estimation of expected loss&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group uses parameters (mainly EAD, PD, LGD and the discount rate) to calculate impairment provisions. These parameters build on the infrastructure of internal models used to calculate regulatory capital and on regulatory and management expertise, and they also reflect each financial asset&#x2019;s stage classification.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;However, these parameters are not a simple adaptation of existing models. We designed and validated them specifically in line with IFRS 9 requirements and guidance from bodies such as the EBA, , National Competent Authority (NCA), Bank for International Settlements (BIS) or Global Public Policy Committee (GPPC). Their development incorporates forward-looking information, a point-in-time (PIT) approach, multiple scenarios and lifetime loss estimation through lifetime PD, among other elements.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ide68c6fd0f4644508a90fc733f6dc5a9"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Determination of significant increase in credit risk (SICR)&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;To determine classification in Stage 2, the Group assesses whether a SICR has occurred since the initial recognition of the exposures. The Group performs this assessment under common principles applicable across the Group, reviewing all financial instruments subject to this analysis and taking into account the specific features of each portfolio and product type through a range of quantitative and qualitative indicators.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Expert judgement from analysts supports the SICR assessment. Analysts set the thresholds within an integrated management framework and in line with the approved corporate governance. The principles are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Universality: all financial instruments subject to a credit rating must be assessed for their possible SICR.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Proportionality: the definition of the SICR must take into account the particularities of each portfolio.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Materiality: its implementation must be also consistent with the relevance of each portfolio so as not to incur in unnecessary costs or efforts.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Holistic vision: the approach selected must be a combination of the most relevant credit risk aspects (e.g. quantitative and qualitative).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Application of IFRS 9: the approach must take into consideration IFRS 9 characteristics, focusing on a comparison with credit risk at initial recognition, as well as considering forward-looking information.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Risk management integration: the criteria must be consistent with those metrics considered in the day-to-day risk management.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Documentation: appropriate documentation must be prepared.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The techniques are summarised below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Stability of stage 2: in the absence of significant changes in the portfolios credit quality, the volume of assets in stage 2 should maintain a certain stability as a whole.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Economic reasonableness: at transaction level, stage 2 is expected to be a transitional rating for exposures that could eventually move to a deteriorating credit status at some point or stage 3, as well as for exposures that have suffered credit deterioration and whose credit quality is improving and returns to stage 1.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Predictive power: it is expected that the SICR definition avoids, as far as possible, direct migrations from stage 1 to stage 3 without having been previously classified in stage 2.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Time in stage 2: it is expected that the exposures do not remain categorized as stage 2 for an excessive time.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The application of the aforementioned techniques, conclude in the setting of one or several thresholds for each portfolio in each geography. Likewise, these thresholds are subject to a regular review by means of calibration tests, which may entail updating the thresholds types or their values.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Identifying a significant increase in credit risk: when classifying financial instruments under stage 2, Santander considers:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Quantitative criteria: Grupo Santander reviews and quantifies changes in the risk of default during their expected life based on their credit risk level on initial recognition.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For the purposes of assessing significant changes when financial instruments are classified in Stage 2, each subsidiary has set quantitative thresholds for its portfolios in line with Group guidelines, seeking a consistent interpretation across all our geographies. The calibration principles for these thresholds are set out in the previous paragraph and may result in two types of thresholds:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Relative. Thresholds that compare current credit quality with credit quality at origination, expressed as a percentage change.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Absolute. Thresholds that compare current credit quality with credit quality at origination, expressed as an absolute change.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, in line with the ECB&#x2019;s supervisory expectations, the Group has set a 200% cap on the relative threshold, known as the 'threefold increase'. As a result, exposures whose credit quality has deteriorated by more than 200% in relative terms &#x2014;using an approach analogous to the relative threshold described in the previous paragraph &#x2014; transfer from Stage 1 to Stage 2.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Meeting any of the absolute thresholds, the relative thresholds or the 200% cap on the relative threshold (threefold increase) on an individual basis results in the transfer of the financial instrument exposure from Stage 1 to Stage 2.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, the Group may apply the Low Credit Risk Exemption at the reporting date, so that certain exposures that continue to meet this condition may remain in Stage 1. This exemption applies only to quantitative significant increase in credit risk criteria; therefore, qualitative criteria are not eligible for exemption. The Group uses it on a limited basis, documents it and reviews it periodically. When an exposure no longer meets the low credit risk condition, it transfers to Stage 2 in line with the criteria above.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Qualitative criteria: several indicators aligned with ordinary credit risk management indicators (e.g. past due for over 30 days, forbearance, early warning indicators system, etc.). Each subsidiary has defined these indicators for their portfolios, with special attention to reinforcing these qualitative criteria through expert judgment and aligning them to the criteria used in management.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;When the presumption of a significant deterioration of credit risk is removed, due to a sufficient improvement of the credit quality, the obligor can be re-classified to stage 1, without any probationary period in stage 2.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Definition of default: Santander incorporated the new definition to provisions calculation according to the EBA&#x2019;s guidelines; the Group is also considering applying it to prudential framework. In addition, the default definition and stage 3 have been aligned.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This definition considers the following criteria to classify exposures as stage 3: financial instruments with one or more payments more than 90 consecutive days past due, representing at least 1% of the client's total exposure or the identification of other criteria demonstrating, even in the absence of defaults, that it is unlikely that the counterparty is unlikely to meet all of its financial obligations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander applies the default criteria to all exposures of the impaired client. Where an obligor belongs to a group, the default criteria may also be applied to all exposures of the group.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The default classification is maintained during the 3-month test period following the disappearance of all default indicators described above, and this period is extended to one year for forbearances that have been classified as default.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Expected life of financial instruments: Santander estimates the expected life of financial instruments according to their contractual terms (e.g. prepayments, duration, purchase options, etc.). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.08pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The contractual period (including extension options) is the maximum time frame for measuring the expected credit loss. If financial instruments have an undefined maturity period and undrawn amounts (e.g. credit cards), Santander estimates its expected life based on the total exposure period and effective management practices to mitigate exposure. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;1.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:4.44pt"&gt;Forward-looking vision&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Estimating expected credit losses (ECL)requires significant expert judgement and the incorporation of historical, current and forward-looking information. Expected loss estimates are therefore based on an unbiased, probability-weighted likelihood of up to five possible future scenarios that could affect the collection of contractual cash flows. These scenarios consider the time value of money, relevant information available on past events, current conditions and forecasts of the macroeconomic factors considered important in estimating this amount (e.g. GDP, house prices and the unemployment rate, among others). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander uses forward-looking information in internal management and regulatory processes under several scenarios. The Group's guidelines and governance seek synergy and consistency between these different processes. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;2. Additional elements&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additional elements will be required when necessary because they have not been captured under the two previous elements. This has included, among others, the analysis of sectors most affected if their impacts are not sufficiently captured by the macroeconomic scenarios. Also collective analysis techniques, when the potential impairment in a group of clients cannot be identified individually.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;With the elements indicated above, Grupo Santander has evaluated in each of the geographical areas the evolution of the credit quality of its customers, for the purposes of classifying them into stages and consequently calculating expected loss.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i1faed7f6ea3d465f8856efa57990369e"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Management overlays&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;During 2025, the Group strengthened coverage across its portfolios by implementing overlays, mainly in Brazil, Chile and Mexico, where it increased the PMA buffer to anticipate the impact of the year&#x2019;s model recalibrations, as well as other potential deviations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, the Group gradually released the adjustments related to climate events, such as the Valencia dana experienced in late October 2024, in the case of Santander Spain and the Spanish DCB office.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Overall, the amount of overlays at year-end 2025 remains immaterial compared with the Group&#x2019;s total allowance for credit losses.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i124cacb87d414830832c0438899fca78"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Exposure and loan-loss reserves&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Then, considering the most relevant units of the Group (United Kingdom, Spain, United States, Brazil, also Chile, Mexico, Portugal, Argentina and Santander Consumer Finance), which represent approximately &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;94%&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; of the total Group's provisions. The table below shows the loan-loss reserves associated with each stage as of 31 December 2025, 2024 and 2023. In addition, depending on the transactions credit quality, the exposure is divided into four categories according to Standard &amp;amp; Poor's rating scale:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.426%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.768%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.768%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.768%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.770%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.6pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;112,795&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,243&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;115,038&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;367,186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;381,579&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;291,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,363&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;335,376&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,503&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;779,109&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;78,112&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,275&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;888,496&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-losses reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,068&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,698&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,177&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20,942&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.426%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.768%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.768%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.768%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.770%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;102,394&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,564&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;104,958&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;411,158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,678&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;426,837&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;276,422&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,456&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;318,878&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,273&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,291&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;800,360&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;77,330&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,273&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;908,963&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-losses reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,184&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,512&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,938&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20,635&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.426%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.768%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.768%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.768%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.770%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;140,792&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,237&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;143,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;404,184&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,746&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;417,930&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;250,619&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39,979&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;290,599&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,846&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,455&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,933&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;807,228&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;74,808&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;32,455&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;914,491&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-losses reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,463&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,883&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,404&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21,750&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Detail of credit quality ratings calculated for Group management purposes. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.23pt"&gt;Total exposure includes loan balances (drawn amounts) and off balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.45pt"&gt;Includes provisions for undrawn authorized lines (loan commitments).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;Data for 2025, 2024 and 2023 reflect the new reporting structure, mainly the disposal of Poland. &#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The remaining units that form the totality of the Group exposure, account for EUR 93,731&#160;million: EUR 89,094&#160;million in stage 1; EUR 3,528&#160;million in stage 2; and EUR 1,109&#160;million in stage 3 (in 2024 EUR 80,541&#160;million in stage 1; EUR 2,534&#160;million in stage 2, and EUR 874&#160;million in stage 3. In 2023, EUR 68,788&#160;million in stage 1; EUR 1,504&#160;million in stage 2, and EUR 658&#160;million in stage 3), and &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;loan-loss reserves totalled EUR 759&#160;million, of which: EUR 213&#160;million in stage 1; EUR 152&#160;million for stage 2, and EUR 394&#160;million in stage 3 (in 2024, EUR 165&#160;million, EUR 117&#160;million and EUR 295&#160;million and in 2023, EUR 199&#160;million, EUR 73&#160;million and EUR 161&#160;million in stage 1, stage 2 and stage 3, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The remaining exposure, including all financial instruments not included before, amounts to EUR 834,911&#160;million (EUR 665,476&#160;million in 2024 and EUR 598,385&#160;million in 2023), and it includes all undrawn authorized lines (loan commitments). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As of 31 December 2025, the Group had EUR 334&#160;million net of provisions (EUR 559&#160;million and EUR 743&#160;million at 31 December 2024 and 2023, respectively) of purchased credit-impaired assets, which relate mainly to the business combinations carried out by the Group.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In relation to the evolution of credit risk provisions, the Group, together with its main geographies, monitors them through sensitivity analyses that assess the impact of changes in macroeconomic scenarios and their key variables on the allocation of financial assets across stages and on the measurement of credit risk provisions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, based on consistent macroeconomic scenarios, the Group also performs stress tests and sensitivity analysis in a regular basis, such as ICAAP, strategic plans, budgets and recovery and resolution plans. In this sense, a prospective view of the sensitivity of each of the Group&#x2019;s loan portfolio is created in relation to the possible deviation from the base scenario, considering both the macroeconomic developments in different scenarios and the three year evolution of the business. These tests include potentially adverse and favourable scenarios.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:15pt"&gt;&lt;span id="if8ed7eda2fb04893b26b8e950460b88b"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;3. Detail of the main geographical areas&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following is the risk information related to the most relevant geographies in exposure and credit risk allowances.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This information includes sensitivity analysis, consisting on simulations of +/-100 bp in the main macroeconomic variables. A set of specific and complete scenarios is used in each geography, where different shocks that affect both the reference macroeconomic variable as well as the rest of the parameters is simulated, with different intensities. These shocks collect mainly the most relevant risks and may be originated by productivity, tax, wages or exchange and interest rates factors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Sensitivity is measured as the average variation on expected loss corresponding to the aforementioned movement of +/-100 bp. Following a conservative approach, the negative movements take into account one additional standard deviation in order to reflect the potential higher variability of losses.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ib3feb763512a43a4b5b359be7895c507"&gt;&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;3.1.&#160;United Kingdom&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:3pt"&gt;&lt;span id="id2afca752a934154911ff0f739b38c75"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Portfolio overview&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Credit risk with customers in the UK remained stable in EUR 244,303&#160;million. This credit risk represents 21% of Santander&#x2019;s loan portfolio.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 1.08%, the NPL ratio decreased 25 bps in comparison to the year end of 2024, due to the good performance in the mortgage portfolio.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i803c756134084ffc8140208078e535d3"&gt;&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Mortgage portfolio&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Because of its size, Grupo Santander closely monitor Santander UK&#x2019;s mortgage portfolio for the entity itself and the Group. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As of 31 December 2025, the mortgage portfolio of Santander UK remained stable, at local currency, and reached EUR 192,047&#160;million. It co&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;mprises residential mortgages granted to new and existing customers which are first lien mortgages. There are no second or more liens on mortgaged properties. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Originations have increased in 2025 compared to 2024, a sign of a more active housing market due to lower interest rates and less pressure on households&#x2019; purchasing power. The housing market returned to growth in 2025, with a higher level of transactions and price increases compared to 2024.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Under Santander's risk management principles, a property must be appraised independently before we can approve a new mortgage. In line with market practices and the law, we get updated values of properties used as mortgage collateral from an independent agency's automatic appraisal system.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander UK's wide range of mortgages include:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Interest-only loans (21%): Customers pay interest every month and repay the principal at maturity. These mortgages, which are common in the UK, require borrowers to have an appropriate repayment vehicle, such as a pension plan or an investment fund. To mitigate inherent risk, Santander UK has restrictive approval requirements, such a maximum loan-to-value ratio of 50% and an assessment of the ability to pay both interest and capital.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Flexible loans (2%): Loan agreements allow borrowers to modify monthly payments or draw down additional funds up to a set limit under various conditions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Buy-to-let (9%): Buy-to-let mortgages account for a small portion of the total portfolio and are subject to strict risk approval policies. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander&#x2019;s NPL ratio highlights the resilience of the mortgage portfolio in a challenging economic environment and an intensely competitive market. It stood at 0.87% at the end of December 2025 (-20 bps YoY).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, 82% of the mortgage portfolio had an LTV lower than 70%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i7f0f1f133f9249cf9bd394fa6954833e"&gt;&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Information on the estimation of impairment losses&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Santander's UK exposure and loan-loss reserves associated with each of the stages at 31 December 2025, 2024 and 2023, is shown below. &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, the exposure is divided in four tranches of the Standard &amp;amp; Poor's rating scale, according to their current credit quality:&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.998%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.877%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,963&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30,344&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152,981&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,529&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;162,510&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,630&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,770&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;615&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,475&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,092&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;200,576&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,295&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,475&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;222,346&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;163&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;319&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;373&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;855&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.998%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.877%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,012&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,184&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,196&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;159,970&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;170,886&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,769&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;695&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,999&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;209,588&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,970&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,292&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;236,850&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;166&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;401&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;400&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;967&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.998%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.877%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,236&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,273&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,509&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;145,884&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,850&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;156,734&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,588&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,995&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,583&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,518&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,518&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;205,708&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26,118&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,518&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;235,344&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;172&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;498&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;396&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,066&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Detail of credit quality ratings calculated for Group management purposes. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.23pt"&gt;Total exposure includes loan balances (drawn amounts) and off balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.45pt"&gt;Includes provisions for undrawn authorized lines (loan commitments).&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For the estimation of expected losses, prospective information is taken into account. Specifically, Santander UK considers four macroeconomic scenarios, which are updated periodically. The evolution forecasted in 2025 for the next five years of the main macroeconomic indicators used by Santander UK to estimate expected losses is presented below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.834%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.166%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.166%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.166%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.168%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2026 - 2030&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Variables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Pessimistic scenario&#160;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Pessimistic scenario&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Base scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Optimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Unemployment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.8&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Housing price change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;GDP growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.02&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Each of the macroeconomic scenarios is associated with a given weight. In terms of allocation, Santander UK associates the highest weighting to the base scenario, while it associates the lowest weightings to the most extreme or severe scenarios. In addition, at 31 December 2025, 2023 and 2022, the weights used by Santander UK reflect the future prospects of the British economy in relation to its current political and economic position so that higher weights are assigned for negative scenarios:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:47.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.183%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.183%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.186%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pessimistic scenario&#160;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pessimistic scenario&#160;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pessimistic scenario&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Base scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Optimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios, as of December 2025, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:54.317%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.191%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.192%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Change in Provision&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Mortgages&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporates&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;GDP Growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Housing price change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Unemployment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;With regard to Stage 2 classification, Santander UK applies quantitative criteria based on identifying an increase in lifetime probability of default (PD) for the transaction that exceeds both an absolute and a relative threshold. The PDs used in this assessment are adjusted to the transaction&#x2019;s remaining term and annualised to facilitate the definition of thresholds that cover the full range of transaction maturities. The relative threshold is common across all portfolios, and Santander UK considers that a transaction exceeds this threshold when its lifetime PD increases by 100% compared to the PD at initial recognition. The absolute threshold, by contrast, differs across portfolios depending on the characteristics of the transactions.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, each portfolio has a set of specific qualitative criteria indicating that the exposure has experienced a significant increase in credit risk, irrespective of the evolution of its PD since initial recognition. Among other criteria, Santander UK considers that a transaction shows a significant increase in credit risk when it is more than 30 days past due. It also has implemented early warning indicator system to support Stage 2 classification. These criteria align with the risk management practices of each portfolio.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span id="iae9f560b4ead47948b97c7d8cc67499d"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;3.2. Spain&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:3pt"&gt;&lt;span id="ie1f99b6d9a27447aa6b22fbca1da3c1e"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;P&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;ortfolio overview&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander Espa&#xf1;a&#x2019;s credit risk totalled EUR 305,156&#160;million (26% of Grupo Santander&#x2019;s total). It is appropriately diversified among products and customer segments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The NPL ratio was 1.94%, 72 bps lower than in December 2024. This decrease was driven by the portfolio&#x2019;s strong performance, supported by the execution of the NPL reduction plan.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The NPL coverage ratio increased slightly to 55% (+2 p.p. year-on-year). The cost of risk decreased to 0.43% (-7 bps vs. December 2024), driven by the strong performance of all portfolios.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Macroeconomic projections suggest the economy will moderate its growth pace slightly, but will remain dynamic and well above the eurozone average, as the Spanish economy has largely been supported by stronger domestic demand amid a weaker-than-expected external sector.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span id="i3da1f4258c1f40808267129132106ea6"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Residential mortgage portfolio&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Residential mortgages in Spain, including Santander Consumer Finance business, amounted to EUR 60,002&#160;million in 2025 (EUR 59,316 million and EUR 61,097 million in 2024 and 2023, respectively), 99.64% of which have a mortgage guarantee (99.65%and 99.65% in 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:12pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:46.887%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.906%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.907%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR Million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which: impaired&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Home purchase loans to families&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;60,002&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Without mortgage collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;With mortgage collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;59,787&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:46.887%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.906%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.907%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR Million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which: impaired&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Home purchase loans to families&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;59,316&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;789&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Without mortgage collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;With mortgage collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;59,108&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;778&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:46.887%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.906%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.907%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR Million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which: impaired&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Home purchase loans to families&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61,097&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;924&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Without mortgage collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;With mortgage collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;60,882&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;908&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;margin-top:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The NPL ratio for the residential mortgages portfolio stood at 1.03%, with a reduction of 29 bps, compared to 31 December 2024, mainly due to by portfolio sales, although credit risk registered an increase of 1.2% compared to December 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The mortgage portfolio for the acquisition of homes in Spain is characterised by its medium-low risk profile, which limits expectations of any potential additional impairment: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Principal is repaid on all mortgages from the start. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Early repayment is common so the average life of the transaction is well below that of the contract. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;High quality of collateral, concentrated almost exclusively in financing for first homes. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The average affordability rate is r&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;educe to 22% (&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;24% and 24% in 2024 and 2023, respectively). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The 94% of the portfolio has a LTV below 80% calculated as total risk/latest available house appraisal.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;All customers applying for a residential mortgage are subject to a rigorous credit risk and viability assessment, analysing whether their income is sufficient to meet all repayments and will remain stable over the term of the loan.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Breakdown of the credit with mortgage guarantee to households for house acquisition, according to the percentage that the total risk represents on the amount of the latest available valuation (loan to value):&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.131%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.735%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.095%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan to value ratio&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR Million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Less than or equal&#160;to&#160;40%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than 40% and less than 60%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than 60% and less than 80%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than 80% and less than or equal to 100%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than 100%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,811&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,812&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;59,787&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which impaired&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;84&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In November 2022, Royal Decree-Law 19/2022 was published, which establishes a Code of Good Practices in response to the rise in interest rates on mortgage loans for primary residences and Royal Decree-Law 6/2012 of protection measures for mortgage debtors without resources. The code of good practices is focused on granting capital grace periods and extending the term of the operations. The requests made have not been significant.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span id="i76e56646c05d43bb9e986927c7275787"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Corporate &amp;amp; SME financing&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Credit risk with SME &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;and corporates in commercial banking amounted to EUR 99,395&#160;million, lower than December 2024, mainly due to the fall in the portfolio of SMEs of 10.1%. This portfolio accounting for 33% of the total, compared to 41% of CIB's portfolio, which from 2022 includes branches in Europe. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Most of the portfolio corresponds to clients who have been assigned a credit analyst, who performs continuous management of said clients during all phases of the risk cycle. The portfolio is broadly diversified and not concentrated by sector of activity. &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The ICO loans that were granted as a result of the pandemic (25,428&#160;million euros) are being repaid normally and there is a balance of EUR 10,857&#160;million, so they now represent only around 3.6% of Santander Spain's total portfolio. During 2025, Santander Spain maintained its support and close engagement with SMEs and the self-employed through the various support lines, which were significantly less material than the post-pandemic programmes (L&#xed;neas ICO Empresas y Emprendedores, L&#xed;nea ICO Internacional y Rehabilitaci&#xf3;n de vivienda).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the case of delinquent operations with ICO guarantee, the transfer of the overdue guaranteed amounts will take place as the guarantee is executed, regardless of whether the guarantor is subrogated to the right to receive said amounts, according to the regulation of these guarantees. The de-recognition of the transferred guaranteed amounts will entail the recognition, at its fair value, of a collection right against the guarantor.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The portfol&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;io&#x2019;s NPL ratio stood at 4.10% in December 2025. The NPL ratio decreased by 97 bps compar&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;ed to December 2024, largely due to a proactive effort to reduce the stock of NPLs in the SME portfolio, through proactive management of non-performing exposures supported by portfolio sales and the management of specific cases.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="i5b5d85114d1f4520bdab92ac51570ce8"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Real estate activity&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander has specialized teams that are in charge of managing real estate business production and risk areas that cover the entire life cycle of these operations.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The changes in gross property development loans to customers were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:40.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.346%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,545&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,433&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,327&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Foreclosed assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net variation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;441&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;112&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;115&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Written-off assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance at end of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,984&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,545&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,433&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:12pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The NPL ratio of this portfolio (considering only the on balance amount) ended the year at 1.04% (compared with &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:400;line-height:130%"&gt;2.28%&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; and 3.04% at December 2024 and 2023, respectively) . The table below shows the distribution of the portfolio. The coverage ratio of the real estate doubtful exposure in Spain stands at 35.48% (36.21% and 39.19% in 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.443%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.282%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.591%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.284%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR Million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Excess of gross exposure over maximum recoverable amount of effective collateral&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Specific allowance&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financing for construction and property development (including land) (business in Spain)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,984&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;211&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Of which impaired&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Memorandum items written-off assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;240&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:69.579%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:28.221%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Memorandum&#160;items:&#160;Data&#160;from&#160;the&#160;public&#160;consolidated&#160;balance&#160;sheet&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR Million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total loans and advances to customers excluding the Public sector (business in Spain) (Book value)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;240,609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total consolidated assets (Total business) (Book value)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,867,515&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Impairment losses and credit risk allowances. Coverage for unimpaired assets (business in Spain)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,086&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At year-end, the distribution of this portfolio was as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:67.109%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.691%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR Million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loans: gross amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1. Without mortgage guarantee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2. With mortgage guarantee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,970&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.1 Completed buildings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;976&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.1.1 Residential&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;658&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.1.2 Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;318&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.2 Buildings and other constructions under construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,981&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.2.1 Residential&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,913&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.2.2 Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.3 Land&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.3.1 Developed consolidated land&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.3.2 Other land&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,984&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i73e343b4e922455ea8f466c0a3d17a0a"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Foreclosed properties&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, the net balance of these assets amounted to EUR 1,898 million (EUR 2,131&#160;million and EUR 2,448&#160;million at 31 December 2024 and 2023, respectively), gross amount of EUR 4,258 million (EUR 4,823&#160;million and EUR 5,506&#160;million at 31 December 2024 and 2023, respectively); recognised allowance of EUR 2,360 million (EUR 2,692&#160;million and EUR 3,058&#160;million at 31 December 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table shows the detail of the assets foreclosed by the businesses in Spain at the end of 2025:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:12pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR Million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Gross carrying amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Valuation adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Of which impairment losses on assets since time of foreclosure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net Carrying amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Property assets arising from financing provided to construction and property development companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,843&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,144&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,591&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,699&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Completed buildings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;324&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;282&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;157&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Residential&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;129&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;60&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;352&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;222&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Buildings under construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Residential&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Land&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,255&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,771&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,274&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,484&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Developed land&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;776&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;429&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;260&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;347&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other land&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,342&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Property assets from home purchase mortgage loans to households&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;334&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;172&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;119&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;162&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other foreclosed property assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;81&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;44&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;36&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;37&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total property assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,258&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,360&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,746&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,898&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, the Group has shareholdings in entities holding foreclosed assets amounting to EUR 36&#160;million and equity instruments foreclosed or received in payment of debts amounting to EUR 10&#160;million.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In recent years, the Group has considered foreclosure to be an option to resolve cases of default instead of legal proceedings. The Group initially recognises foreclosed assets at the lower of the carrying amount of the debt (net of provisions) and the fair value of the foreclosed asset (less estimated costs to sell). Subsequent to initial recognition, the assets are measured at the lower of fair value (less costs to sell) and the amount initially recognised.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The fair value of this type of assets is determined by the market value (appraisal) adjusted with discounts obtained according to internal valuation methodologies based on the entity's sales experience in goods with similar characteristics.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The management of real estate assets on the balance sheet is carried out through companies specializing in the sale of real estate that is complemented by the structure of the commercial network. The sale is realised with at prices in accordance with the market situation and the offer of wholesale buyers.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The gross movement in foreclosed properties were as follows (EUR billion):&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.097%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.579%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.961%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.963%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;EUR Billion&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross additions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.7)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.2)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Difference&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="ic91246279d434dd19dbc9742b92192db"&gt;&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Information on the estimation of impairment losses&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Santander Spain exposure and loan-loss reserves associated with each of the stages at 31 December, 2025, 2024 and 2023, is shown below. In addition, the exposure is divided in four tranches of the Standard &amp;amp; Poor's rating scale, according to their current credit quality:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.998%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.877%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;109,001&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,453&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;110,454&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45,351&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,189&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,680&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,630&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;183,686&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,566&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,761&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;201,013&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;382&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;483&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,204&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,069&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.998%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.877%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,347&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,457&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;104,197&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,124&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;105,321&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37,413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,257&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,084&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,199&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,901&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;179,041&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,277&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,618&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;198,936&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;340&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;570&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,953&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,863&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.998%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.877%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,827&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,875&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;101,079&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;780&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;101,859&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,789&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,694&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,513&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,517&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,536&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #A6A6A6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,566&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;183,324&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,134&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,536&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;205,994&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;300&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;663&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,959&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,922&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Detail of credit quality ratings calculated for Group management purposes. Excluding the SCIB branches business&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:5.48pt"&gt;Total exposure includes loan balances (drawn amounts) and off balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.7pt"&gt;Includes provisions for undrawn authorized lines &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:115%"&gt;(loan commitments).&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For the estimation of the expected losses, the prospective information is taken into account. Specifically, Santander Spain considers three macroeconomic scenarios, which are updated periodically. The projected evolution for a period of five years of the main macroeconomic indicators used by Santander Spain for estimating expected losses as of 2025, is presented below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.961%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.961%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.964%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2026-2030&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Variables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Pessimistic scenario&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Base scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Optimistic scenario&#160;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Unemployment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Housing price change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;GDP growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Each macroeconomic scenarios is associated with a given weight. As for its allocation, Santander Spain associates the Base scenario with the highest weight, while associating the lower weights to the most extreme scenarios:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:36.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.579%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.579%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.580%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pessimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Base scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Optimistic scenario&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios, at December 31 2025, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:44.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.494%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Change in Provision&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Mortgages&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;GDP Growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.1&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.1&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3.6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Housing price change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.8&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Unemployment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.8&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;To determine Stage 2 classification, Santander Spain applies quantitative criteria based on identifying increases in the lifetime PD of an exposure above a relative or absolute threshold. The threshold differs by portfolio depending on the characteristics of the exposures, and an exposure is considered to exceed the threshold when its lifetime PD increases by a set amount compared with the PD at initial recognition. Santander Spain calibrates these thresholds periodically, as described in previous paragraphs. In addition, Santander Spain applies a backstop to the relative threshold across all portfolios. As a result, Santander Spain classifies contracts as Stage 2 when their current PD has increased by more than two times compared with the PD at origination.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander Spain also considers specific qualitative criteria that indicate a significant increase in credit risk, regardless of how the PD has evolved since initial recognition. Among other criteria, Santander Spain considers that an exposure shows a significant increase in credit risk when it is more than 30 days past due or when its early warning system so determines.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span id="i2e02ef57652046028c93695d51ae9a81"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;3.3. United States&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:3pt"&gt;&lt;span id="if26b2549cb584194874d1466f23f0ad2"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Portfolio overview&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander US&#x2019;s credit risk stood at EUR 148,488&#160;million at the end of December 2025. It makes up 12.8% of Grupo Santander's total credit risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The NPL ratio grew to 4.82% (+14 bps in the year) due to a higher stock of delinquencies and lower portfolio growth, and the cost of risk decreased to 1.62% (-20 bps in the year).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander US includes the following business units:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="id15354824f864207beb4082cd152651a"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Santander Bank, National Association (SBNA)&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In 20&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;25 lending amounted to EUR 46,677&#160;million (representing 4% of the Group's credit risk) and presents a reduction of 15% in 2025, mainly due to the transfer of the CIB portfolio to the New York branch. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The NPL ratio increased to 2.60% (+44 bps vs December 2024, while the cost of risk remained flat at 0.93%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Activity in the individuals segment is primarily focused on auto financing and leasing, as well as credit card origination. During 2025, the teams continued to develop the operating and systems capabilities that will enable the asset product offering to be expanded in the future through the Openbank brand.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Commercial segment comprises seven business lines, including Commercial Real Estate, Santander Real Estate Capital, Commercial Equipment Vehicle Finance, and Commercial and Industrial. The portfolio shows a slight downward trend in exposure, driven, on the one hand, by a strategy that prioritises risk-adjusted profitability over volume growth and, on the other, by the gradual run-down of the real estate and dealer portfolios.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The credit risk profile of the Commercial Real Estate and dealer portfolios shows some deterioration, mainly due to structural uncertainties affecting these sectors, as well as the impact of an interest-rate environment that remains elevated and developments in commercial and tariff policies, which continue to weigh on the financial capacity of certain customers.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i8154971781d0462fb41ba34dadcbbcfd"&gt;&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Information on the estimation of impairment losses &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Santander Bank, National Association exposure and loan-loss reserves associated with each of the stages at 31 December, 2025, 2024 and 2023 is shown below. In addition, the exposure is divided in four tranches of the Standard &amp;amp; Poor's rating scale, according to their current credit quality:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.950%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,622&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,646&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,352&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;728&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,080&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,758&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,459&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,217&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;779&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;861&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,798&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total exposure&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;38,511&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,072&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,158&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;45,741&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;277&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;325&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;202&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;804&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.950%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;277&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,422&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;930&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,352&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,899&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,855&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,754&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;482&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,645&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;47,569&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,544&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,130&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;54,243&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;292&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;364&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;182&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;838&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:9.07pt;text-indent:8.93pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.950%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,834&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,468&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;459&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,927&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,439&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,751&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;450&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;50,666&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,424&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;894&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;55,984&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;409&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;335&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;141&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;885&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Detail of credit quality ratings calculated for Group management purposes.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:5.48pt"&gt;Total exposure includes loan balances (drawn amounts) and off-balance (letters of credit + guarantees) and excludes REPO, FV portfolio, trading portfolio and undrawn commitments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:5.7pt"&gt;Includes provisions for undrawn authorized lines (loan commitments).&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For the estimation of expected losses, prospective information is taken into account. Specifically, Santander Bank, National Association considers four macroeconomic scenarios, which are updated periodically. The evolution projected in 2025 for a period of five years of the main macroeconomic indicators used Santander Bank, National Association to estimate expected losses is presented below:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.976%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.053%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.053%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.592%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.826%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2026-2030&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Variables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Pessimistic scenario&#160;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Pessimistic scenario&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Base scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Optimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate (annual averaged)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.8&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Unemployment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;House price change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.1&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;GDP growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Manheim growth&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.1&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A. US used vehicle price car index. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Each of the macroeconomic scenarios is associated with a given weight. As for its allocation, Santander Bank, National Association associates the highest weighting to the Base scenario, while associates the lowest weightings to the most extreme scenarios:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:43.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.420%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pessimistic scenario 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pessimistic scenario 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Base scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Optimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%"&gt;The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios as of 2025 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.123%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Change in Provision&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Mortgages&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Auto&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;GDP Growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.6%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.9%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.8%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10.6%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7.7%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2.0%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Housing price change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26.9%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18.7%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.0%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12.9%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9.3%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2.5%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Unemployment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(41.6%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(25.9%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7.9%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53.9%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39.5%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.8%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Manheim index&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.8%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.4%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For the Stage 2 classification determination, this year SBNA implemented, within the Auto portfolio, a system based on the comparison of PD to determine whether there has been a significant increase in credit risk. SBNA set both relative and absolute thresholds, segmented by the customer&#x2019;s credit profile, and also established a backstop to the relative threshold. As a result, SBNA will classify as Stage 2 those contracts whose current PD has increased by more than two times compared to their PD at origination.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For the remaining retail portfolios, SBNA uses the FICO (Fair Isaac Corporation) score as a quantitative criterion as a proxy for PD, considering the score at origination and its current value, and setting different limits or cut-off points depending on each portfolio&#x2019;s characteristics. A significant increase in risk requires changes in the score of around 120 bps and 20 bps.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For wholesale portfolios, SBNA uses the transaction&#x2019;s rating as a proxy for PD, considering the rating at origination and its current rating, and setting thresholds for different rating bands depending on each portfolio&#x2019;s characteristics.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, SBNA defines specific qualitative criteria to identify exposures that have recorded a significant increase in credit risk. Among other criteria, Santander Bank, National Association considers that a transaction presents a significant increase in credit risk when it has arrears positions for more than 30 days or when a system of early warning indicators determines it. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="i1754043d288244a78e4dea6543b5c2b2"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Santander Consumer USA Inc.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander Consumer USA Inc. (SC USA) presents higher risk indicators than other Santander US units due to the nature of its business, which focuses on auto finance via loans and leasing.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, lending amounted to EUR 25,318&#160;million (representing 2.2% of the Group) and presents a decrease of 17.0% regarding December 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Regarding the NPL ratio, it increased to 22.08% (+340 bps in the year); and the cost of risk stood at 6.10% (-50 bps YoY).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;NPL coverage ratio fell to 53% (-885 pp in the year), in line with the percentages of transfers from default to bad debts, which are at historically low levels.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The business focuses on optimising the profitability-to-risk relationship through pricing management aligned with each customer&#x2019;s credit quality and each transaction, while also strengthening dealer processes and the dealer experience. 2025 was marked by uncertainty stemming from tariff policy and fiscal stimulus measures, as well as the end of the exclusivity agreement with Stellantis.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span id="i142c722429564a46b4f4255289b9272a"&gt;&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Information on the estimation of impairment losses&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Santander Consumer USA Inc. exposure and loan-loss reserves associated with each of the stages at 31 December 2025, 2024 and 2023, is shown below. In addition, the exposure is divided in four tranches of the Standard &amp;amp; Poor's rating scale, according to their current credit quality:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.467%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,167&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;947&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,577&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,871&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,588&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,036&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,798&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,818&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,588&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;25,204&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;419&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;910&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,688&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,017&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.467%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;202&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;202&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,802&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;451&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,259&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,226&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,214&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20,263&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,677&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,729&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,669&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;630&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,006&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,908&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,544&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.467%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;99&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,120&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;395&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,515&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,754&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,237&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,263&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,973&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,632&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,272&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;28,877&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;597&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,019&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,712&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,328&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Detail of credit quality ratings calculated for Group management purposes.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.23pt"&gt;Total exposure includes loan balances (drawn amounts) and off-balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.45pt"&gt;Includes provisions for undrawn authorized lines (loan commitments).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For the expected losses estimation, prospective information should be taken into account. Specifically, SC USA considers four macroeconomic scenarios, periodically updated over a 5-year time horizon. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The evolution forecasted in 2025 for a period of five years of the main macroeconomic indicators used by in SC USA in the estimation of expected losses is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.361%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.053%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.053%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.592%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.441%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2026-2030&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Variables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Pessimistic scenario&#160;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Pessimistic scenario&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Base scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Optimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate (annual averaged)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.8&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Unemployment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;House price change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.1&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;GDP growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Manheim&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt; index&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A. US used vehicle price car index. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Each of the macroeconomic scenarios is associated with a given weight. Santander Consumer USA Inc. associates the highest weighting to the Base scenario, whereas it associates the lowest weightings to the most extreme or acid scenarios:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:47.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.876%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pessimistic scenario 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pessimistic scenario 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Base scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Optimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios at the end of 2025 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.546%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:59.812%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.988%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Change in provision&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;SC Auto&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Manheim index&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.0%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.8%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Unemployment Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4.9%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.0%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;House Price Change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.1%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.6%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;GDP&#160;growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.7%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.2%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In relation to the Stage 2 classification determination, SC USA implemented a new system based on the comparison of PD at origination and current PD, replacing the previous approach based on the FICO (Fair Isaac Corporation) score. SC USA established a set of absolute and relative thresholds, segmented based on the customer&#x2019;s credit profile. Finally, it introduced a backstop to the relative threshold whereby contracts whose current PD has increased by more than two times compared to their PD at origination are classified as Stage 2.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, for each portfolio, a series of specific qualitative criteria are defined, which indicate that the exposure has experienced a significant increase in credit risk, regardless of the evolution of its PD since the initial recognition. Among other criteria, the entity considers that a transaction has experienced a significant increase in credit risk when it has past-due positions for more than 30 days. These criteria align with the risk management practices of each portfolio.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ie44df5a8c6404d4990dfc7787a9e9f32"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;3.4. Banco Santander (Brasil) S.A.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:3pt"&gt;&lt;span id="i04e7256ceeea478ba00640fcdab2e93c"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Portfolio overview&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander Brazil's credit risk amounted to EUR 118,546&#160;million, increasing 2.5% in constant euros from 2024. Minus the exchange rate effect, it grew by 2.0%. As of December 2025, Santander Brasil accounts for 10% of Grupo Santander's loan book.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The NPL ratio went from 6.10% in December 2024 to 6.76% in December 2025, and the coverage ratio increased from 79.0% to 81.0%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As of 31 December 2025 loan-loss provisions reached EUR 4,409&#160;million, a 2% year-on-year decrease. Cost of risk increased from 4.03% in 2024 to 4.17% in 2025.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In 2025, the Brazilian economy is moderating compared to the previous year. Several factors drive this performance: reduced fiscal support, a more restrictive monetary policy and a less favourable external environment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The labour market still shows resilience, which has helped prevent a sharp deterioration in household consumption. However, some indicators suggest that this labour-market momentum is starting to cool, with private-sector employment growth gradually easing.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Inflation is expected to close the year at around 4.8%, with a trend towards further moderation in 2026. A moderate appreciation of the Brazilian real and weaker domestic demand contribute to this price moderation. The Brazilian real exchange rate remains a source of uncertainty, together with public debt sustainability and the need for fiscal adjustments to contain financial imbalances. From a sectoral perspective, the agricultural sector and certain industrial segments continue to provide relevant support, although the overall slowdown and the effects of tighter monetary conditions limit their contribution to aggregate growth.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Against this backdrop, although Brazil retains a relatively solid base &#x2014; a robust labour market and competitive export sectors &#x2014;2025 is shaping up as a transition year, with the economy slowing and facing multiple structural challenges (inflation, exchange rate, debt and monetary policy) that condition its performance.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The retail segment (without Consumer Finance), which represents 37% of Santander Brazil's total portfolio, mainly comprises mortgages and credit cards (29% and 26% of the total portfolio, respectively). Thanks to the risk mitigation measures implemented in origination and portfolio management, cost of risk has been kept at 4.7%, despite the high SELIC rate and inflation running above the official target, which reduces individuals&#x2019; repayment capacity.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In the SME segment, which represents 11% of total risk exposure, the Bank maintained the restrictive origination measures adopted in recent years, particularly for the higher-risk profiles with weaker performance. Teams continuously review and adjust strategies to keep credit quality within expected levels. Overall, they achieved this during the year, with an acceptable performance of new business indicators.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In Brazil&#x2019;s corporate segment, 2025 was marked by an uncertain geopolitical backdrop and some weaknesses in the local economy, notably high interest rates that have affected the repayment capacity of more leveraged companies. In this environment, the portfolio&#x2019;s growth slowed and NPL and cost of risk levels increased.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="id3adc8f7128045c78a12d72f7b6f3ea6"&gt;&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Information on the estimation of impairment losses &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Banco Santander (Brasil) S.A. exposure and loan-loss reserves associated with each of the stages at 31 December 2025, 2024 and 2023, is shown below. In addition, the exposure is divided in four tranches of the Standard &amp;amp; Poor's rating scale, according to their current credit quality: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.467%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,513&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,411&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,253&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30,432&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,035&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,169&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;83,383&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,602&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,151&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;104,136&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;648&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,128&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,216&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,992&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.467%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,557&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;970&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,527&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,824&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,637&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,461&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,285&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;423&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,613&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;86,459&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,700&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,382&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;103,541&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;687&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;860&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,766&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,313&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.467%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,670&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;468&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,869&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;751&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39,620&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,735&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;96,799&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,131&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,479&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;113,409&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;722&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,078&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,538&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,338&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Detail of credit quality ratings calculated for Group management purposes.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.23pt"&gt;Total exposure includes loan balances (drawn amounts) and off-balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.45pt"&gt;Includes provisions for undrawn authorized lines (loan commitments).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For the expected losses estimation, prospective information is taken into account. Particularly, Santander Brazil considers three macroeconomic scenarios, periodically updated. The evolution for a period of five years of the main macroeconomic indicators used to estimate the expected losses in Santander Brazil is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:36.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.579%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.579%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.580%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2026-2030&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Variables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Pessimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Base scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Optimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate (annual averaged)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Unemployment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;House price change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.1&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;GDP growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.8&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Burden income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26.8&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26.1&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:3pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Each macroeconomic scenario is associated with a given weight. Regarding its assignation, Brazil links the highest weight to the base scenario whilst links the lowest weights to the most extreme scenarios:&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:36.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.579%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.579%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.580%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pessimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Base scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Optimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios is at the end of 2025 as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:40.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.346%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Change in provision&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Individuals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;SME&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;GDP growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Unemployment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3.8&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.8&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate (SELIC)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Regarding the Stage 2 classification determination, Santander Brasil assesses whether the increase in lifetime PD over the expected life of the transaction exceeds the combined effect of an absolute and a relative threshold. These thresholds vary by portfolio, depending on the characteristics of the transactions. A transaction is deemed to breach the threshold when its lifetime PD increases by a specified amount compared to the PD recorded at initial recognition.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The absolute and relative threshold levels are recalibrated periodically and depend on the type of portfolio to which they apply. In addition, Santander Brasil has implemented a backstop to the relative threshold across all portfolios: contracts whose current PD doubles the PD at origination are automatically classified as Stage 2.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ie6ab7dfbc6684d55b14fb3c5c57d9d34"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;4. Other credit risk aspects&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:3pt"&gt;&lt;span id="ia571339575fb4b23b47fcaacd0c78874"&gt;&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;4.1.&#160;Credit risk by activity in the financial markets&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This section covers credit risk from treasury, with money market financing and counterparty risk products to satisfy the needs of customers (especially credit institutions) and the Group. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Counterparty credit risk is defined as the risk that could arise from a total or partial failure to meet the financial obligations entered into with the entity, because a customer may default before the final settlement of the transaction&#x2019;s cash flows. This risk usually increases the longer the period between the trade date and the settlement date. It is a bilateral credit risk that can affect both parties to the transaction, and its magnitude is uncertain, as it depends on volatile market factors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Within counterparty credit risk exposure, an additional risk known as wrong-way risk may arise. It occurs when exposure to a portfolio or counterparty increases at the same time as its credit quality deteriorates. In other words, wrong-way risk exists when default risk increases and, as a result, the exposure to the counterparty also increases. Santander has specific models to measure and control this risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Settlement risk arises when the settlement of a transaction involves a bilateral exchange of flows or assets between two counterparties. For example, when a counterparty buys dollars in exchange for euros, settlement involves one party delivering euros and receiving an equivalent amount of dollars from the other. Settlement risk is the risk that one of the parties fails to meet its settlement obligations. We have also developed a global infrastructure and specific models to measure this risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;To manage and control counterparty risk, it is essential to have an infrastructure that allows measuring current and potential exposure at different levels of aggregation and granularity in an agile and dynamic way, ensuring the generation of reports with sufficient detail to facilitate the understanding of exposures and the decision-making process.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;To measure exposure, Grupo Santander follows two methodologies: mark-to-market (MtM or replacement value in derivatives) plus potential future exposure (add-on), and Monte Carlo simulation for calculating exposure for some countries and products. Additionally, Santander calculates capital at risk or unexpected loss, which is the loss that constitutes economic capital net of guarantees and recoveries, after deducting the expected loss.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;After market close, Grupo Santander recalculates exposures by adjusting all operations to their new time horizon, adapting the potential future exposure and applying mitigation measures (netting, collateral, among others), so that exposures can be controlled daily against the limits approved by senior management within the risk appetite. Santander performs risk control through a real-time integrated system, which allows the Group to know at any moment the available exposure limit with any counterparty, in any product and term, and across all subsidiaries.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander runs monthly stress tests on derivatives portfolios and securities financing transactions (SFT). These exercises form an integral part of the counterparty credit risk management process. They allow us to assess the resilience of exposures under adverse scenarios and support appropriate identification, measurement and control of the associated risks. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ia14b72992e6241e18c82a51eed39a19b"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;4.2.&#160;Concentration risk &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Concentration risk control is an essential aspect of Grupo Santander's management. The Group continuously monitors the level of concentration in its credit risk portfolios applying various criteria: geographic areas and countries, economic sectors and groups of customers.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The board, via the risk appetite framework, determines the maximum levels of concentration.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In line with these maximum levels and limits, the executive risk committee establishes the risk policies and reviews the appropriate exposure levels for the effective management of &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;the degree of concentration in Santander&#x2019;s credit risk portfolios.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander must adhere to the regulation on large risks contained in the CRR, according to which the exposure contracted by an entity with a customer or group of associated customers will be considered a large exposure when its value is equal to or greater than 10% of eligible capital.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, in order to limit large exposures, no entity may assume exposures exceeding 25% of its eligible capital with a single customer or group of associated customers, having factored in the credit risk mitigation effect contained in the regulation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At the end of December, after applying risk mitigation techniques, no group reaches the above-mentioned thresholds.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Regulatory credit exposure with the 20 largest groups within the scope of large risks represented 5.3% of the outstanding credit risk with customers (lending to customers plus off-balance sheet risks) as of December 2025. While the regulatory credit exposure with the 40 largest groups represents 8.4% of the credit risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by activity and geographical area of the Group's risk concentration at 31 December 2025 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:42.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.161%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other EU countries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks and Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;326,316&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61,256&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71,853&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;119,532&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;73,675&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Public sector&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;267,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;82,131&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,620&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;109,109&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Central government&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;239,153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;66,479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;57,468&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;101,768&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,438&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other central government&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;28,612&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15,652&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,341&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;467&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial institutions (financial business activity)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;207,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,301&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50,819&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;101,600&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,324&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-financial companies and individual entrepreneurs (non-financial business activity) (broken down by purpose)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;447,496&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;103,836&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;94,760&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;188,078&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;60,822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Construction and property development&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,090&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,706&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Civil engineering construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,835&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,740&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,468&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;85&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Large companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;291,515&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;53,841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;63,635&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;127,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;47,036&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;SMEs and individual entrepreneurs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;130,531&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;44,030&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;27,295&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;50,211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,995&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Households &#x2013; other (broken down by purpose)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;543,928&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;88,602&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;98,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;142,560&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;214,504&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Residential&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;333,552&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;61,818&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;27,030&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;46,605&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;198,099&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Consumer loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;192,746&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;69,670&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;87,491&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15,801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other purposes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17,630&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,562&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;604&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,792,549&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;352,126&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;378,314&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;660,879&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;401,230&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:15pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;For the purposes of this table, the definition of risk includes the following items in the public balance sheet: 'Loans and advances to credit institutions', 'Loans and advances to Central Banks', 'Loans and advances to Customers', 'Debt securities', 'Equity Instruments', 'Trading Derivatives', 'Hedging derivatives', 'Investments and financial guarantees given'. &lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="i9df7782519234727b6315c34a29df2ac"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;4.3 Sectors identification and management &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander conducts a quarterly review of exposure to customers operating in sectors that could be more affected by macroeconomic conditions (energy consumption, commodity prices, and key macroeconomic variables). This monitoring is complemented by the use of internal tools that allow projecting the behaviour and evolution of clients in each sector under different macroeconomic scenarios. Additionally, this process considers, among other things, the following information at the sector level:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Market information: Industries&#x2019; stock market performance.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Analysts&#x2019; EBITDA forecasts for the coming years.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Internal information: Changes in credit exposure, defaults (in different timelines) and stagings.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Our industry experts&#x2019; opinion, based on specific details about our exposures and our relationships with customers&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;continued to strengthen our ability to analyse potential losses at the highest possible level of granularity by enhancing the methodology and sector projection tools, based on the resilience of each company&#x2019;s financial statements under different macroeconomic scenarios.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="icd026d9fd5634422af836382952f833b_9509"&gt;&lt;/span&gt;&lt;span id="ifde19736bb3b4dacbca9b14f2c6781a0"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;4.4. Sovereign risk and exposure to other public sector entities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Sovereign risk arises from central bank transactions (including regulatory cash reserves), government bonds issued by the Treasury or equivalent bodies (public debt portfolio), and transactions with public-sector entities funded exclusively by a state&#x2019;s budget revenues and with no commercial activity.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The standard historically applied by Grupo Santander differs from the one used by the EBA in its periodic stress tests. The most significant differences are that the EBA&#x2019;s approach does not include deposits with central banks, exposures held in insurance companies, or indirect exposures through guarantees or other instruments. By contrast, it does include public administrations more broadly (including regional and local authorities), and not only those of the central government.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander continues to track and manage transactions with sovereign risk based on available information, such as reports by rating agencies and international organizations. Grupo Santander monitors each country where the Group has cross-border&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline"&gt;1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; and sovereign risk. Santander analyses events that could affect the country&#x2019;s political or institutional stability and assign its government or central bank a credit rating. This helps us set limits for transactions with sovereign risk.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Over recent years, total sovereign risk exposure has remained in line with regulatory requirements and the strategy defined for managing this portfolio. Changes in exposure across countries reflect the liquidity management strategy and hedging of interest rate and foreign exchange risk. International exposure is diversified across countries with different macroeconomic expectations and, consequently, different growth, interest rate and exchange rate scenarios..&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At the end of December 2025, Grupo Santander&#xb4;s local sovereign exposure, in currencies other than the official currency of the country of issuance, is not significant (&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;EUR 4,908 million, 1.2% of total sovereign risk) according to our management criteria. Furthermore, exposure to non-local sovereign issuers involving cross-border risk is even less significant&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline"&gt;2&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; (EUR 17,002&#160;million, 4.0% &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;of total sovereign risk). Sovereign exposure in Latin America is mostly in local currency, and is recognised in the local accounts and concentrated in short- term maturities.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Our investment strategy for sovereign risk considers country&#x2019;s credit quality to set the maximum exposure limits. The following table shows the percentage of exposure by rating&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:43.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.420%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure distribution by rating&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;AAA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;AA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;BBB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Less than BBB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.85pt"&gt;Internal ratings are applied.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;margin-top:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Sovereign exposure at the end of December 2025 is shown in the table below (data in million euros):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.307%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.162%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Portfolio&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial assets held for trading and Financial assets designated as FV with changes in&#160;results&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial&#160;assets &lt;br/&gt;at&#160;fair&#160;value &lt;br/&gt;through&#160;other &lt;br/&gt;comprehensive &lt;br/&gt;income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Financial &lt;br/&gt;assets&#160;at &lt;br/&gt;amortised&#160;cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Non-trading financial assets mandatory at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total net direct exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total net direct exposure&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,008&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Portugal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(659)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,199&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,767&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,307&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,652&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Italy&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,875&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,557&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,872&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,915&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Greece&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Ireland&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Rest Eurozone&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,443&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,212&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;UK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;907&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,687&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,595&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,772&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Poland&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,141&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,339&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,333&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,813&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,286&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Rest of Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;534&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;954&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,320&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,943&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,046&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24,926&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,533&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,165&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,641&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,652&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,599&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,914&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,642&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;676&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,666&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,596&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,900&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Rest of America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,654&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,398&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Rest of the World&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,356&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;38,785&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;35,187&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;150,975&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;224,947&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;198,627&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #bf2115;border-top:0.5pt solid #bf2115;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:115%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt; Risks with domestic public or private borrowers in foreign currency and originated outside the country.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:115%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;2 &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;Countries that are not considered low risk by Banco de Espa&#xf1;a.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="i9f00c659b93b43b8a7de7a99afa8d396"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;5. Forborne loan portfolio&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The customer debt redirection policy incorporates the regulatory requirements of the EBA guidelines on the management of non-performing exposures, refinancing and restructuring. This policy acts as a reference for the transposition in our subsidiaries and shares the applicable supervisory expectations.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This policy also sets down rigorous criteria for evaluating, classifying and monitoring forbearances to support the strictest possible care and diligence in recovering due amounts. Thus, it dictates that Santander must adapt payment obligations to customers' current circumstances. Our forbearance policy also defines classification criteria to support Grupo Santander recognizes risks appropriately. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Forbearances must remain classified as non-performing or in watch-list for a prudential period for reasonable certainty of repayment. In no case will repayments be used to delay the immediate recognition of losses or so that their use distorts the timely recognition of the risk of non-payment.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, forbearance stock fell again and stood at EUR 25,235&#160;million, due to the good payment behaviour in the main geographies. In terms of credit quality, 53% of the loans is classified as credit impaired, with a coverage ratio of 41%. In addition, 47% of the portfolio is classified as performing.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following terms are used with the meanings specified below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;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 there of in due time and form.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;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.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.606%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Current refinancing and restructuring balances&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;Amounts in EUR million, except number of transactions that are in units&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Without&#160;real&#160;guarantee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;With&#160;real&#160;guarantee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Maximum amount of the actual collateral that can be considered&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Impairment of accumulated value or accumulated losses in fair value due to credit risk&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Number of transactions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Gross amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Number of transactions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Gross amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Real estate guarantee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Rest of real guarantees&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Public sector&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other financial institutions and: individual shareholder&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;933&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;94&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;117&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;94&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Non-financial institutions and individual shareholder&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;489,192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5,095&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;42,700&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5,596&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;923&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which financing for constructions and property development&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;249&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;21&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;523&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;695&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other warehouses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,000,071&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4,556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;515,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;9,699&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,752&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,777&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3,665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;3,490,210&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;9,751&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;558,424&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;15,484&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;7,145&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;4,715&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;6,480&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Financing classified as non-current assets and disposable groups of items that have been classified as held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;13,499&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;261&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4,630&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;566&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;406&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.718%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Current refinancing and restructuring balances&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;Amounts in EUR million, except number of transactions that are in units&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="24" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Of&#160;which,&#160;non-performing/Doubtful&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Without&#160;real&#160;guarantee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;With&#160;real&#160;guarantee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Maximum amount of the actual collateral that can be considered&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Impairment of accumulated value or accumulated losses in fair value due to credit risk&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:18pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Headline',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Number of transactions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Gross amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Number of&lt;br/&gt;transactions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Gross amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Real estate guarantee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Rest of real guarantees&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Credit entities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Public sector&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other financial institutions and: individual shareholder&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;579&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;259&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;89&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Non-financial institutions and individual shareholder&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;296,008&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,901&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;26,767&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,585&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,166&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Of which financing for constructions and property development&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;167&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;264&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;156&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Other warehouses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,620,343&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;296,470&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5,313&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,730&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,232&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;2,991&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;1,916,935&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;5,354&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;323,505&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;7,980&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,923&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;2,663&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:700;line-height:105%"&gt;5,508&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;Financing classified as non-current assets and disposable groups of items that have been classified as held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;6,901&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;1,720&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:105%"&gt;145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In 2025, the amortised cost of financial assets whose contractual cash flows were modified during the year when the corresponding loss adjustment was valued at an amount equal to the expected credit losses over the life of the asset amounted to EUR 3,031 million (3,940&#160;million in 2024), without these modifications having a material impact on the income statement. Also, during 2025, the total of financial assets that have been modified since the initial recognition, and whose correction for expected loss has gone from being valued during the entire life of the asset to the following twelve months, amounts to EUR 2,092 million (2,950&#160;million in 2024).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The transactions presented in the foregoing tables were classified at 31 December 2025 by nature, as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Credit impaired: Operations that rest on an inadequate payment scheme will be classified within the non-performing category, regardless they include contract clauses that delay the repayment of the operation throughout regular payments or present amounts written off the balance sheet for being considered irrecoverable.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Performing: Operations not classifiable as non-performing will be classified within this category. Operations will also be classified as normal if they have been reclassified from the non-performing category for complying with the specific criteria detailed below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;A period of a year must have passed from the refinancing or restructuring date.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The owner must have paid for the accrued amounts of the capital and interests, thus reducing the rearranged capital amount, from the date when the restructuring of refinancing operation was formalised.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#9c9c9c;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The owner must not have any other operation with amounts past due by more than 90 consecutive days of material delay on the date of the reclassification to the normal risk category.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Attending to the credit attention 47% of the forborne loan transactions are classified as other than non-performing. Particularly noteworthy are the level of existing guarantees (47% of transactions are secured by collateral) and the coverage provided by specific allowances (representing 26% of the total forborne loan portfolio and 41% of the non-performing portfolio).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt;padding-left:9.07pt;text-indent:-9.07pt"&gt;&lt;span id="ie941d54abac046e1a063b63957282601"&gt;&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;c) Market, structural and liquidity risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt;padding-left:9.07pt;text-indent:-9.07pt"&gt;&lt;span id="i9b68c15dcb5545ebab3b81ef00d62db5"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;1. Activities subject to market risk and types of market risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Activities exposed to market risk encompass transactions where risk is assumed as a consequence of potential changes in interest rates, inflation rates, exchange rates, stock prices, credit spreads, commodity prices, volatility and other market factors; the liquidity risk from our products and markets, and the balance-sheet liquidity risk. Therefore, they include trading risks and structural risks.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Interest rate risk&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; arises from movements in interest rates that reduce the value of a financial instrument, a portfolio or the Grupo Santander. It can affect loans, deposits, debt securities, most assets and liabilities held for trading, and derivatives. &lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Inflation rate risk&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; arises from movements in inflation that can reduce the value of a financial instrument, a portfolio or the entire group. It can affect loans, debt securities and derivatives (e.g. inflation swaps and futures) whose profitability is linked to inflation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Exchange rate risk&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; is the possibility of loss because the currency of a long or open position will depreciate against the base currency. It can affect debt in subsidiaries whose local currency is not the euro, as well as loans denominated in a foreign currency.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Equity risk&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; is the possibility of loss from open positions in securities if their market price or expected future dividends fall. It affects shares, stock market indices, convertible bonds and derivatives with shares as the underlying asset (put, call, equity swaps, etc.).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Credit spread risk&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; is the possibility of loss from open positions in fixed-income securities or credit derivatives if their yield curve, or the recovery rate of their issuer or type change. A spread is the yield difference between financial instruments against a benchmark (e.g. the internal rate of return (IRR) of government bonds and interbank interest rates).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Commodity price risk&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; is the possibility of loss from movements in commodity prices. Grupo Santander's commodity exposure is minor and stems mainly from commodity derivatives.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Volatility risk&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; is the possibility of loss caused by movements in interest rates, exchange rates, the stock market, credit spreads and other risk factors affecting portfolio value. It is inherent to all financial instruments whose value considers volatility (especially options contracts).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Derivative contracts (such as options, futures, forwards and swaps) can mitigate market risks partially or fully.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, other more complex coverage market risks are considered, such as correlation risk, market liquidity risk, prepayment or cancellation risk and subscription risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Correlation risk is the possibility of loss due to an adverse correlation between risk variables that affect portfolio value. Risk variables could be the same (e.g. two FX rates) or different (e.g. an interest rate and a commodity price).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Market liquidity risk is the possibility that fewer market makers or institutional investors, a large number of transactions, market instability and other factors will cause the Group or a subsidiary to exit a position at a worse market price or trade cost. Exposure to different products and currencies can also increase this risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Pre-payment or cancellation risk originates when mortgages, deposits and other on-balance-sheet instruments give holders the option to buy or sell them, thus altering future cash flows. Potential mismatches on the balance sheet pose a risk since cash flows may have to be reinvested at an interest rate that is potentially lower (assets) or higher (liabilities).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Underwriting risk is the possibility that the bank will have to hold part of a debt issue it has underwritten or agreed to place if it cannot all be placed among potential buyers.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Balance sheet liquidity risk (unlike market liquidity risk) is the possibility of loss caused by forced disposal of assets or cash flow imbalance if the bank meets its payment obligations late or at excessive cost. It can cause losses by forced asset sales or impacts on margins due to the mismatch between expected cash inflows and outflows.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Pension and actuarial risks (explained at the end of this section) also depend on market variables.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander aim to comply with the Basel Committee&#x2019;s Fundamental Review of the Trading Book (FRTB) and the EBA&#x2019;s Guidelines on the management of interest rate risk arising from non-trading book activities. The purpose of several projects Grupo Santander runs is to provide risk control managers and teams with the best market risk management tools under the right governance framework for the models Grupo Santander uses for metric reporting; and to comply with regulation on the risks mentioned above.&lt;/span&gt;&lt;/div&gt;. Trading market risk management&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Setting market risk limits in a dynamic process according to the risk appetite in the annual limits plan prepared by senior management and extended to all subsidiaries. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The standard methodology for risk management and control in trading, measures the maximum expected loss with a specific level of confidence and time frame. The standard for historical simulation is a confidence level of 99% over one day. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander applies statistical adjustments efficiently to incorporate recent developments affecting our levels of risk. Our time frame is two years or at least 520 days from the reference date of the VaR calculation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The balance sheet items in the Group&#x2019;s consolidated position that are subject to market risk are shown below, distinguishing those positions for which the main risk metric is VaR from those for which risk monitoring is carried out using other metrics:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.939%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Risk metric values on the consolidated balance sheet&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;div style="margin-bottom:1pt;text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;div style="margin-bottom:1pt;text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Main market risk metric&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;div style="margin-bottom:1pt;text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Balance sheet amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;VaR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Main risk factor for 'Other' balance&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&#160;subject&#160;to&#160;market&#160;risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash, cash balances at central banks and other deposits on demand&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;252,318&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;252,318&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,815&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,946&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate, spread&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,046&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,046&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate, spread&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets designated at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;74,612&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;72,331&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate, spread&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial assets at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,202,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,202,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate, spread&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,931&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,931&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate, exchange rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of hedged items in portfolio hedges of interest risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;165,827&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,867,515&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities subject to market risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities held for trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171,546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171,546&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities designated at fair value through profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,148&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,148&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate, spread&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Financial liabilities at amortized cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,421,184&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,421,184&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate, spread&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedging derivatives&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate, exchange rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of hedged items in portfolio hedges of interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;115,592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,754,767&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;112,748&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table displays the latest and average VaR values at 99% by risk factor over the last three years. It also shows the minimum and maximum VaR values in 2025 and 97.5% ES at the end of December 2025:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.201%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:justify"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;VaR statistics and expected shortfall by risk factor&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million. VaR at 99% and ES at 97.5% with one day time horizon&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;div style="margin-bottom:1pt;text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;div style="margin-bottom:1pt;text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="12" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;VaR&#160;(99%)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;ES (97.5%)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;VaR&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;VaR&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;div style="margin-bottom:1pt;text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Min&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Average&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Max&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Latest&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Latest&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Average&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Latest&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Average&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Latest&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9.6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17.6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;29.2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18.7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16.9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17.1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18.7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11.7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13.5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Diversification effect&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(21.0)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(59.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(17.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(18.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(19.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(27.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(17.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9.6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15.0&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;28.2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13.2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13.2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12.7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16.0&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9.4&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11.8&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Diversification effect&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(18.0)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(17.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(18.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total North America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3.7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5.8&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8.9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5.5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5.3&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6.9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6.4&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4.0&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5.0&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Diversification effect&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total South America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3.2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7.6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16.5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5.8&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5.9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9.0&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9.5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7.3&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7.0&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Diversification effect&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5.2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(28.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6.2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6.2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A. In South and North America, VaR levels of credit spreads and commodities are not shown separately due to their low or null materiality.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;VaR at the end of December (EU&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;R 18.7&#160;million) was only EUR 0.03&#160;million lower compared to the end of 2024, reflecting sustained high market volatility, ongoing geopolitical risk and concerns over inflation trends, which could pick up again as a result of new US trade policies. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;By risk factor, average VaR (EUR 17.6&#160;million) hig&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;her across several risk factors, especially for foreign exchange, with high market volatility for certain currencies such as the US dollar and the Argentine peso. Temporary spikes in VaR across the different factors generally reflect isolated increases in market price volatility rather than significant changes in positions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;By region, average VaR was higher than the 2024 average in Europe, mainly due to interest rate and foreign exchange risk factors, while it was lower in North America and South America.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="ibfa0a7b1fe7d4aa68fae528c98e7dc65"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Backtesting&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Actual losses can differ from predicted losses because of the VaR&#x2019;s limitations. Grupo Santander measures the accuracy of the VaR calculation model to make sure it is reliable. The most important tests Grupo Santander runs involve backtesting:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;In hypothetical P&amp;amp;L backtesting and for the total portfolio, two exceptions (a daily loss higher than VaR or a daily gain higher than VaE) were observed in 2025 for VaR at a 99% confidence level, on 9 and 11 April, as a result of high market volatility, mainly driven by uncertainty over the potential impact of new US trade policies.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;The exceptions observed in the past year are consistent with the assumptions of the VaR calculation model.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ia032f756e2bd4e34a25ab01c83fb3290"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;3. Structural balance sheet risks&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:3pt"&gt;&lt;span id="i535548d3a1834127a3a53d0be7295962"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;3.1. Main aggregates and variations&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Consistent with previous years, the market risk profile of Grupo Santander&#x2019;s balance sheet remained moderate in 2025 in terms of asset, shareholders&#x2019; equity and NII volumes.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Each subsidiary&#x2019;s finance division manages interest rate risk from commercial banking and is responsible for handling structural risk from interest rate fluctuations. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;To measure interest rate risk, Grupo Santander uses statistical models based on strategies to mitigate structural risk with interest-rate instruments (such as bonds and derivatives) to keep risk profile within risk appetite.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The NII and EVE sensitivities below are based on scenarios of parallel interest rate movements from -100 to +100 basis points.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i2d4b3305f22d496b9104e127c128afe8"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Structural VaR&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;With such a homogeneous metric as VaR, Grupo Santander can fully monitor market risk in the banking book (excluding CIB trading activity). The Bank differentiates fixed income based on interest rates and credit spreads in ALCO portfolios, FX rates and shares.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In general, the structural VaR of Grupo Santander tota&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;l assets and equity is minor&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.941%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Structural VaR&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million. Structural VaR 99% with a temporary horizon of one day.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Min&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Max&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Latest&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Latest&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Latest&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Structural VaR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;598.5&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;662.9&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;751.9&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;690.1&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;747.7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;687.5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;705.0&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;749.5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Diversification effect&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(155.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(258.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(265.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(206.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(386.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(268.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(416.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(444.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;VaR Interest Rate&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;158.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;177.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;205.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;177.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;412.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;235.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;348.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;380.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;VaR Exchange Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;486.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;597.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;648.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;572.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;571.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;594.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;580.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;642.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;VaR Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;110.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;146.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;163.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;146.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;150.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;126.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;192.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:18pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt; Includes credit spread VaR on ALCO portfolios.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i8518a862271b445daf6d058eb5fa985b"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Structural interest rate risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Europe&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At the end of December, net interest income (NII) for our main balance sheets showed positive sensitivity to interest rate increases. As of the same date, the economic value of equity (EVE) showed negative sensitivity to interest rate increases.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;the end of December 2025, under the scenarios previously described, the most significant NII sensitivity risk was concentrated in the euro, at EUR 561&#160;million; the pound sterling, EUR 169&#160;million; the Polish z&#x142;oty, EUR 51&#160;million; and the US dollar, EUR 50&#160;million, all linked to interest rate cut risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The most significant risk to the economic value of equity was concentrated in the euro yield curve, at EUR 1,087&#160;million; in pound sterling, at EUR 614&#160;million; the Polish z&#x142;oty, at EUR 275&#160;million euros; and the US dollar, at EUR 104&#160;million euros, all linked to interest rate rise risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Exposure was moderate in relation to annual budget and capital levels in 2025. &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;North America&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At the end of December, net interest income (NII) for our North America balance sheets showed positive sensitivity to interest rate increases in the United States, while showing negative sensitivity to the same scenario in Mexico. In both cases, the economic value of equity (EVE) showed negative sensitivity to interest rate increases.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Exposure was moderate in relation to annual budget and capital levels in 2025.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At the end of December 2025, significant risk to NII was mainly in the US and amounted to EUR 49&#160;million.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The most significant risk to EVE was in the US and amounted to EUR 570&#160;million.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="background-color:#ffffff;color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;South America&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;EVE and NII on our main South American balance sheets are generally positioned for interest rate cuts.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In 2025, exposure across all countries remained moderate in relation to the annual budget and capital levels.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At the end of December, the most significant risk to NII was mainly in Brazil (EUR 57&#160;million).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Most significant risk to EVE was recorded in Brazil (EUR 257&#160;million) and in Chile (EUR 225&#160;million).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span id="i2b37f6b20c8f4432b2eb51e30f3ede6b"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Structural foreign currency rate risk/results hedging&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander's structural FX risk stems mainly from the income and hedging of foreign currency transactions for permanent financial investments. In the dynamic management of this risk, Grupo Santander aims to limit the impact of FX rate movements on the core capital ratio. In 2025, the hedged of the different currencies that have an impact on our core capital ratio was close to 100%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In December 2025, the largest permanent exposures (with their potential impact on equity) were, in this order, in pound sterling, US dollars, Brazilian reais, Mexican pesos, Polish zlotys and Chilean pesos.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander uses FX derivatives to hedge part of those permanent positions. The Finance division manages FX risk and hedging for the expected profits and dividends of subsidiaries whose base currency is not the euro.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i14eb2ea9a129403ba871dd6706dd7559"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Structural equity risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander holds equity positions in its banking and trading books. They are either equity instruments or stock, depending on the share of ownership or control. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At the end of December 2025, the equities and shareholdings in the banking book were diversified among Spain, China, Morocco, Poland and other countries. Most of them invest in the financial and insurance sectors. Grupo Santander has minor equity exposure to property and other sectors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Structural equity positions are exposed to market risk. The Group calculates its VaR with a set of market prices and proxies. At the end of the year 2025, VaR at a 99% confidence level over a one-day horizon was&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; EUR &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;147&#160;million (EUR 127&#160;million and EUR 171&#160;million in 2024 and 2023, respectively). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span id="i0814151285264dbe8cbf5f41310861ac"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;3.2. Methodologies&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:3pt"&gt;&lt;span id="ifd7394a07516488e975975fc35a71247"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Structural interest rate risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander measures the potential impact of interest rate movements on EVE and NII. Because changing rates may generate impacts, Grupo Santander must manage and control many subtypes of interest rate risk, such as repricing risk, curve risk, basis risk and option risk (e.g. behavioural or automatic).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Interest rate risk in the balance sheet and market conditions and outlooks could necessitate certain financial measures to achieve Grupo Santander's desired risk profile (such as selling positions or setting interest rates on products Grupo Santander markets). &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The metrics Grupo Santander uses to monitor IRRBB include NII and EVE sensitivity to interest rate movements.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Net interest income sensitivity&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Net interest income (NII) is the difference between interest income from assets and the interest cost of liabilities in the banking book over a typical one- to three-year horizon (one year being standard in Grupo Santander). Because NII sensitivity is the difference in income between a selected scenario and the base scenario, its values can be as many as considered scenarios. It enables us to see short-term risks and supplement economic value of equity (EVE) sensitivity.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%;padding-left:3.11pt"&gt;Economic value of equity sensitivity&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Economic value of equity (EVE) is the difference between the current value of all assets minus the current value of all liabilities in the banking book. It does not include shareholders&#x2019; equity and non-interest-bearing instruments. The sensitivity of the economic value of own funds is obtained as the difference between said economic value calculated with a selected scenario and that calculated with a base scenario.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Because EVE sensitivity is the difference in EVE between a selected scenario and the base scenario, it can have as many values as considered scenarios. It enables us to see long-term risks and supplement NII sensitivity.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i480b1db7bdd34753b2a4fd729f961a83"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Structural exchange-rate risk/hedging of results&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Every day, Grupo Santander measures FX positions, VaR and P/L.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i497716eef2bc40598b5ea0cddd344c3a"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;Structural equity risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander measures equity positions, VaR and P/L.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i961bc18cdc8c4162a13769f6b4b8e8e9"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;4. Liquidity risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Structural liquidity management aims to fund the Group&#x2019;s recurring activity optimising maturities and costs, while avoiding taking on undesired liquidity risks.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander&#x2019;s liquidity management is based on the following principles:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Define liquidity risk and provide detailed assessments of current and emerging material liquidity risks.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Define liquidity risk metrics, review and challenge liquidity risk appetite and limits on first line of defence proposals.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Evaluates and challenges commercial/business proposals; It provides senior management and business units with the necessary elements to understand the liquidity risk of Santander's businesses and operations.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Supervise the liquidity risk management of the first line of defence and assess the permanence of businesses within the limits of liquidity risk.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Reports on compliance with risk appetite limits and exceptions, if any, to governing bodies.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Provides a consolidated view of liquidity risk exposures and liquidity risk profile.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Confirms the existence of adequate liquidity procedures to manage the business within the limits of risk appetite.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The effective application of these principles by all institutions comprising the Group required the development of a unique management framework built upon three fundamental pillars:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;A solid organisational and governance model that supports the involvement of the subsidiaries&#x2019; senior management in decision-taking and its integration into the Group&#x2019;s global strategy. The decision-making process for all structural risks, including liquidity and funding risk, is carried out by local Asset and Liability Committees (ALCOs) in coordination with the global ALCO, which is the body empowered by the Bank's board in accordance with the corporate Asset and Liability Management (ALM) framework.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This governance model has been reinforced as it has been included within Santander's Risk Appetite Framework. This framework meets demands from regulators and market players emanating from the financial crisis to strengthen banks&#x2019; risk management and control systems.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;In-depth balance sheet analysis and measurement of liquidity risk, supporting decision-taking and its control. The Group objective is to maintains adequate liquidity levels necessary to cover its short- and long-term needs with stable funding sources, optimising the impact of their costs on the income statement. Grupo Santander&#x2019;s liquidity risk management processes are contained within a conservative risk appetite framework established in each geographic area in accordance with its commercial strategy. This risk appetite establishes the limits within which the subsidiaries can operate in order to achieve their strategic objectives.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:700;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Management adapted in practice to the liquidity needs of each business. Every year, based on business needs, a liquidity plan is developed which seeks to achieve:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.6pt"&gt;a solid balance sheet structure, with a diversified presence in the wholesale markets;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.6pt"&gt;the use of liquidity buffers and limited encumbrance of assets;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.6pt"&gt;compliance with both regulatory metrics and other metrics included in each entity&#x2019;s risk appetite statement.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Over the course of the year, all dimensions of the plan are monitored.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander continues to develop the ILAAP (Internal Liquidity Adequacy Assessment Process), an internal self-assessment of liquidity adequacy which must be integrated into the Group&#x2019;s other risk management and strategic processes. It focuses on both quantitative and qualitative matters and is used as an input to the SREP (Supervisory Review and Evaluation Process). The ILAAP evaluates the liquidity position both in ordinary and stressed scenarios.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="id4633604db344e14a063b8fe9c44fcf5"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;i.&lt;span id="iddd66a3a1ec04309b6a9f456f1d6c741_12537"&gt;&lt;/span&gt; Liquidity risk measurement&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander uses the Basel regulatory definition and calculates a set of metrics and stress scenarios in relation to intraday liquidity risk to maintain a high level of management and control. On the one hand, the regulatory liquidity metrics (LCR, NSFR) are prepared following the regulatory criteria established in the CRR 2 and CRD IV. Regarding internal metrics, liquidity scenarios are determined using a combination of behavioral observation in actual liquidity crises occurred at other banks, regulatory assumptions and expert judgment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i77ad8137d238491891a980d29f071db8"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;a) Liquidity Coverage Ratio (LCR)&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The liquidity coverage ratio (LCR) is a regulatory metric. Its purpose is to promote the short-term resilience of a bank&#x2019;s liquidity profile and make sure it has enough high-quality liquid assets to withstand a considerable idiosyncratic or market stress scenario over 30 calendar days.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i4a2088dc7ebb4c7f94df87c15842a067"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;b) Net Stable Funding Ratio (NSFR)&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The net stable funding ratio (NSFR) is a regulatory metric we use to measure long-term liquidity risk. It is the ratio of available stable funding to required stable funding. It requires banks to keep a robust balance sheet, with off-balance-sheet assets and operations financed by stable liabilities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:1pt;margin-top:9pt"&gt;&lt;span id="i330076dffb8246c88382ba2f8d64cb3e"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;c) Liquidity buffer&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The liquidity buffer is the total liquid assets a bank has to cope with cash outflows during periods of stress. The assets are free of encumbrances and can be used immediately to generate liquidity without losses or excessive discounts. The liquidity buffer is a tool for calculating most liquidity metrics. It is also a metric with defined limits for each subsidiary.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i12044e75974e499f96d7213ea7b9f141"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;d) Wholesale liquidity metric&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The wholesale liquidity metric measures the number of days Grupo Santander would survive if it used liquid assets to cover lost liquidity from a wholesale deposit run-off (without possible renewal) over a set time horizon. Grupo Santander also uses it as an internal short-term liquidity metric to reduce risk from dependence on wholesale funding.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="iec4cd74039d9440b9a9912f13314a7ea"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;e) Asset Encumbrance metrics&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander calculates two metrics to measure asset encumbrance risk. On the one hand, the asset encumbrance ratio gives the proportion of encumbered assets to total assets; on the other, the structural asset encumbrance ratio gives the proportion of encumbered assets by structural funding transaction (namely long-term collateralized issues and credit transactions with central banks).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i0082792b661348e4b664760318dd9075"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;f) Other additional liquidity indicators&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition to traditional tools to measure short and long-term liquidity and funding risk, Grupo Santander has a set of additional liquidity indicators to complement those and to measure other non-covered liquidity risk factors. These include concentration metrics, such as the main and the five largest funding counterparties, or the distribution of funding by maturity. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In this sense, deposits do not show a tendency towards concentration, maintaining a stable structure at 31 December 2024, where approximately 75% are transactional and more than 80% of retail deposits are insured by deposit guarantee systems of the different countries.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i130c0a567490429ab6fdabc9d172624c"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;g) Liquidity scenario analysis&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:107%"&gt;As liquidity stress tests, five standard scenarios have been defined:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;i.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:9.97pt"&gt;An idiosyncratic scenario of events detrimental only to Santander;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;ii.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:7.94pt"&gt;a local market scenario of events highly detrimental to a base country&#x2019;s financial system or real economy;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;iii.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.91pt"&gt;a global market scenario of events highly detrimental to the global financial system; and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;iv.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:5.94pt"&gt;combined scenario consisting of a combination of more severe idiosyncratic and market events (local and global) occurring simultaneously and interactively. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;v.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:7.97pt"&gt;climate scenarios where different stress cases derived from the effects that climate change could have on the economy are collected.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander uses these stress test outcomes as tools to determine risk appetite and support business decision-making.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i8dcf1775dd6b4837967c7719b1605c24"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;h) Liquidity early warning indicators&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Early warning indicator system consists of quantitative and qualitative liquidity indicators that help predict stress situations and weaknesses in the funding and liquidity structure of Grupo Santander entities. External indicators relate to market-based financial variables; internal indicators relate to our own performance.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ibe9667c72272427e9af7cacae183b23b"&gt;&lt;/span&gt;&lt;span style="color:#767676;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;i) Intraday liquidity metrics&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander follows Basel regulation and calculates several metrics and stress scenarios for intraday liquidity risk to maintain a high level of control.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i81e8c762c7a04f59abe3fc3d8615913e"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;ii. Liquidity coverage ratio and net stable financing ratio&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The regulatory requirement for the LCR ratio has been set at 100% since 2018.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Below is a breakdown of the Group's liquid assets composition according to the criteria established in the supervisory prudential information (Commission Implementing Regulation (EU) 2017/2114 of 9 November 2017) for the determination of high-quality liquid assets for the calculation of the LCR ratio (HQLA):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:47.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.183%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.183%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.186%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Amount weighted applicable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Amount weighted applicable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Amount weighted applicable&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;High-quality liquid assets-HQLAs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Cash and reserves available at central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;150,883&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;188,745&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;217,935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Marketable assets Level 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;173,744&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;150,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;119,043&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Marketable assets Level 2A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,726&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,696&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,236&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Marketable assets Level 2B&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,584&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,951&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,814&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total high-quality liquid assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;337,937&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;351,304&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;348,028&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:47.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.183%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.183%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.186%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;High-quality liquid assets-HQLAs (numerator)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;301,618&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;315,524&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;348,028&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total net cash outflows (denominator)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;208,388&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;206,889&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;209,892&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Cash outflows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;287,044&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;278,760&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;282,982&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Cash inflows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;78,656&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;71,871&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;73,090&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated LCR ratio (%)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;145&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;153&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;166&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Group LCR ratio (%)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;155&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;168&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:0.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;NSFR ratio (%)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;126&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;126&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;123&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Since 2024, the calculation of the consolidated LCR ratio has been updated to comply with a series of requirements regarding asset transferability restrictions in third countries. This new consolidated ratio includes an adjustment whereby any excess liquidity above 100% of LCR outflows, which is subject to transferability restrictions (legal or operational) in third countries, is not taken into account. This applies even if the surplus liquidity can be used to cover additional outflows within the country itself, which is not subject to any restrictions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The total high-quality liquid assets differ from the high-quality liquid assets (HQLAs) considered as the numerator within the consolidated LCR ratio, due to the aforementioned adjustment.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, since 2024, we have been calculating a Group LCR ratio using an internal methodology that determines the minimum common coverage percentage simultaneously across all the Group's markets and considers all existing restrictions on liquidity transfers in third countries. This methodology reflects the Group's resilience to liquidity risk more accurately and the internal ratio presents a level that is consistent with what would be achieved by applying the criteria followed until mid-2024, which did not include restrictions on liquidity transfers between subsidiaries.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Regarding the net stable funding ratio (NSFR), its definition was approved by the Basel Committee in October 2014. The transposition of this requirement into European regulation took place in June 2019 with the publication in the Official Journal of the European Union of Regulation (EU) 2019/876 of the European Parliament and of the Council of 20 May 2019. The Regulation establishes that entities must have a net stable funding ratio, as defined in the Regulation, above 100% from June 2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As for the funding structure, given the inherently commercial nature of the Group's balance sheet, the loan portfolio is mainly financed by customer deposits. In note 22, 'Debt securities,' the composition of these liabilities is presented based on their nature and classification, the movements and maturity profile of the debt securities issued by the Group, reflecting the strategy of diversification by products, markets, issuers, and terms followed by the Group in its approach to wholesale markets.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i5ac3dded9c2b440a9266b0423c0b9a10"&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:700;line-height:121%"&gt;iii. Asset encumbrance&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Finally, the moderate use of assets by Grupo Santander as collateral in the sources of structural financing of the balance sheet should be highlighted.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In accordance with the guidelines established by the European Banking Authority (EBA) in 2014 on committed and uncommitted assets, the concept of assets committed in financing transactions (asset encumbrance) includes both on-balance sheet assets provided as collateral in transactions to obtain liquidity and off-balance sheet assets that have been received and reused for similar purposes, as well as other assets associated with liabilities for reasons other than financing.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The residual maturities of the liabilities associated with the assets and guarantees received and committed are presented below, as of 31 of December of 2025 (EUR billion):&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.574%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Residual maturities of the liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Unmatured&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&amp;lt;=1month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&amp;gt;1 month&lt;br/&gt;&amp;lt;=3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&amp;gt;3 months&lt;br/&gt;&amp;lt;=12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&amp;gt;1 year&lt;br/&gt;&amp;lt;=2 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&amp;gt;2 years&lt;br/&gt;&amp;lt;=3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3 years&lt;br/&gt;&amp;lt;=5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5 years&lt;br/&gt;&amp;lt;=10 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&amp;gt;10 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Committed assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;306.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Guarantees received committed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;85.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;185.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The reported Group information as required by the EBA at 2025 year-end is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.643%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;On-balance-sheet encumbered assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR billion&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Carrying amount of encumbered assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value of encumbered assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Carrying amount of unencumbered assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value of unencumbered assets&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,149.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;117.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;118.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;182.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;180.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;212.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;304.9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ebebeb;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,562.7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ebebeb;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:28.220%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.766%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Encumbrance of collateral received&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR billion&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value of encumbered collateral received or own debt securities issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value of collateral received or own debt securities issued available for encumbrance&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Collateral received&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;185.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;70.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;172.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;63.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other collateral received&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Own debt securities issued other than own covered bonds or ABSs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1.4&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1.1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:28.220%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.766%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Encumbered assets and collateral received and matching liabilities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR billion&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Matching liabilities, contingent liabilities or securities lent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets, collateral received and own debt securities issued other than covered bonds and ABSs encumbered&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total sources of encumbrance&lt;br/&gt;(carrying amount)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;472.0&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;491.5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;On-balance-sheet encumbered assets amounted to EUR&#160;304,923&#160;million, of which close to 50% are loans (mortgage loans, corporate loans, etc.). Guarantees received committed amounted to EUR 185,160&#160;million, relating mostly to debt securities received as security in asset purchase transactions and re-used. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Taken together, these two categories represent a total of EUR 491,519&#160;million of encumbered assets, which give rise to EUR 472,045&#160;million matching liabilities.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;As&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; of December 2025, total asset encumbrance in funding operations represented 23.1% of the Group&#x2019;s extended balance sheet under EBA criteria (total assets plus guarantees received: EUR 2,122,932&#160;million), similar to December 2024.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;margin-top:9pt"&gt;&lt;span id="i300abcc3814d43299c237a56b0bccbc4"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;d)&#160;Capital risk&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The second line of defence can independently challenge business and first-line activities by:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Supervising capital planning and adequacy exercises through a review of the main components affecting the capital ratios.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Identifying key metrics to calculate the Group&#x2019;s regulatory capital, setting tolerance levels and analysing significant variations, as well as single transactions with impact on capital.&lt;/span&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Reviewing and challenging the execution of capital actions proposed in line with capital planning and risk appetite.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander commands a sound solvency position, above the levels required by regulators and by the European Central bank.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ie664c9da0d6b44e3874d8d25732e8429"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;Regulatory capital&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At 31 December 2025, at a consolidated level, the Group must main&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;tain a minimum capital ratio of 9.84% of CET1 ( 4.50% being the requirement for Pillar I, 0.98% being the requirement for Pillar 2R (requirement), 2.50% being the requirement for capital conservation&#160;buffer, 1.25% being the requirement for global systemically entity (D-SIB), 0.55% being the requirement for anti-cyclical capital buffer) and a systemic risk requirement of 0.05%&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander must also maintain a minimum capital ratio of 11.66% of tier 1 and a minimum total ratio of 14.10%.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In 2025, the solvency target set was achieved. Santander&#x2019;s CET1 ratio stood at 13.46%&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline"&gt;1 &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;at t&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;he close of the&#160;year, demonstrating its organic capacity to generate capital. The key regulatory capital figures are indicated below:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.389%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.070%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.070%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.071%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Reconciliation of accounting capital with regulatory capital&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Subscribed capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,345&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,092&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Share premium account&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,792&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,373&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;84,700&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69,278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Treasury shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(96)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(68)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,078)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Attributable profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,574&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,076&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Approved dividend&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,698)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,532)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,298)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Shareholders&#x2019; equity on public balance sheet&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;141,144&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;135,197&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;130,443&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Valuation adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(37,973)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(36,596)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(35,020)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,726&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,818&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Equity on public balance sheet&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;112,748&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;107,327&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;104,241&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Goodwill and intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15,037)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16,098)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(17,313)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Eligible preference shares and participating securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,645&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,371&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,002&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Accrued dividend&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,827)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,611)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,471)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other adjustments&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11,146)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9,817)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8,717)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Tier 1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;94,383&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;90,172&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;85,742&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Fundamentally for non-computable non-controlling interests and deductions and reasonable filters in compliance with CRR.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Figures calculated by applying the transitional provisions of CRR 3.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Assumes 25% of underlying profit, see note 4.a for proposed distribution of results.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;Note: Certain figures presented in this capital note have been rounded for ease of presentation. Consequently, the amounts corresponding to the rows or columns of totals in the tables presented in this note may not coincide with the arithmetic sum of the concepts or items that make up the total.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:130%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;1 &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;Data calculated applying the transitional provisions of CRR 3.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table shows the capital coefficients and a detail of the eligible internal resources of the Group:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:12pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.951%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Capital coefficients&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Level 1 ordinary eligible capital (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;84,739&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;79,800&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76,741&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Level 1 additional eligible capital (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,645&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,371&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,002&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Level 2 eligible capital (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,460&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,418&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,497&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Risk-weighted assets (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;629,430&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;624,503&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;623,731&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Level 1 ordinary capital coefficient (CET 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.78&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Level 1 additional capital coefficient (AT1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Level 1 capital coefficient (TIER1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14.44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Level 2 capital coefficient (TIER 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total capital coefficient&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17.77&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17.39&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16.39&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.951%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Eligible&#160;capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Eligible&#160;capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Common Equity Tier I&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;84,739&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;79,800&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;76,741&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,345&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,092&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(-) Treasure shares and own shares financed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,892)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,694)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,847)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Share Premium&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,792&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,373&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;84,663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76,608&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other retained earnings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(39,918)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(38,617)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(35,038)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Minority interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,037&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,899&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Profit net of dividends&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,307&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deductions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(21,863)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(22,061)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(21,766)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Goodwill and intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(15,037)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(15,957)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(17,220)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6,826)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6,104)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(4,546)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Additional Tier I&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,645&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,371&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,002&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Eligible instruments AT1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,937&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,725&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,461&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;AT1-excesses-subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;708&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;645&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;541&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Tier II&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,460&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,418&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,497&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Eligible instruments T2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,754&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,869&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Excess IRB provision on PE&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;T2-excesses -&#160;subsidiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(294)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(450)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(680)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total eligible capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;111,845&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;108,589&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;102,240&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;Note: Banco Santander, S.A. and its affiliates had not taken part in any State aid programmes.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="i5cacc9f189a042df8bf6418019408da5"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;Leverage ratio&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Basel III established the leverage ratio as a non-risk sensitive measure aimed at limiting excessive balance sheet growth relative to available capital.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The Group performs the calculation in accordance with Regulation (EU) 2019/876 of 20 May 2019 amending Regulation (EU) No 575/2013 as regards the leverage ratio.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This ratio is calculated as tier&#160;1 capital divided by leverage exposure. Exposure is calculated as the sum of the following items:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Accounting assets, excluding derivatives and items treated as deductions from tier&#160;1 capital (for example, the balance of loans is included, but not that of goodwill) further excluding the exposures referred to in Article 429.a (1) of the regulation.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Off-balance-sheet items (mainly guarantees, unused credit limits granted and documentary credits) weighted using credit conversion factors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Inclusion of net value of derivatives (gains and losses are netted with the same counterparty, minus collaterals if they comply with certain criteria) plus a charge for the future potential exposure.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;A charge for the potential risk of security funding transactions.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text ExtraBold',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;padding-left:3.11pt"&gt;Lastly, it includes a charge for the risk of credit derivative swaps (CDS).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;With the publication of Regulation (EU) 2019/876 of 20 May, 2019, amending Regulation (EU) n.&#xba; 575/2013 as regards the leverage ratio, the final calibration of the ratio is set at 3% for all entities and, for systemic entities G-SIB, is established an additional surcharge which would be 50% of the cushion ratio applicable to the EISM, applicable from January 2023. In addition, modifications are included in its calculation, including the exclusion of certain exposures from the total exposure measure: public loans when exceptional circumstances arise, public loans, transfer loans and officially guaranteed export credits, transfer loans and officially guaranteed export credits.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:40.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.346%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Leverage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Level 1 Capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;94,385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;90,170&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;85,742&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,924,349&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,885,572&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,826,922&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Leverage Ratio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.90&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.78&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="if5d8b6ca095b4d51accfab867239f9b2"&gt;&lt;/span&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:9.5pt;font-weight:700;line-height:110%"&gt;Global systemically important banks&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Grupo Santander is one of 29 banks designated as global systemically important banks (G-SIBs).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The designation as a globally systemic entity comes from a measurement established by the regulators (FSB and BCBS) that they have implemented based on five indicators (size, interjurisdictional activity, interconnection with other financial entities, substitutability and complexity). The list uses data as of the end of 2024 and is based on a methodology agreed in July 2018 and implemented for the first time in the assessment of G-SIBs as of the end of 2021, incorporating, among other things, an additional score considering the Member States of the SRM as a single jurisdiction.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This definition means it has to fulfil certain additional requirements, which consist mainly of a capital buffer (1%), in TLAC requirements (total loss absorbing capacity), that Grupo Santander has to publish relevant information more frequently than other banks, greater regulatory requirements for internal control bodies, special supervision and drawing up of special reports to be submitted to supervisors.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Additionally, Grupo Santander appears both on the list of global systemic entities and on the list of domestic systemic entities. Bank of Spain, based on rule 23 of Circular 2/2016, requires the application of the highest of the two corresponding buffers, in the case of Grupo Santander being the domestic one, 1.25%, a surcharge payable by 2025.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The fact that Grupo Santander has to comply with these requirements makes it a more solid bank than its domestic rivals.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;</ifrs-full:DisclosureOfFinancialRiskManagementExplanatory>
    <san:RiskManagementAndControlModelNumberOfLinesOfDefense
      contextRef="c-1"
      decimals="INF"
      id="f-16226"
      unitRef="linesofdefense">3</san:RiskManagementAndControlModelNumberOfLinesOfDefense>
    <san:RiskManagementAndControlModelNumberOfLinesOfDefense
      contextRef="c-1"
      decimals="INF"
      id="f-16227"
      unitRef="linesofdefense">3</san:RiskManagementAndControlModelNumberOfLinesOfDefense>
    <ifrs-full:DisclosureOfCreditRiskExposureExplanatory contextRef="c-1" id="f-16228">&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Below are the main aggregates relating to credit risk from our activities with customers:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.649%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Main credit risk performance metrics from activity with customers&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit risk with customers &lt;br/&gt;(EUR million)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit impaired&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(EUR million)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;NPL ratio &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(%)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;305,156&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;288,162&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;280,629&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,915&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,677&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,531&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.94&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.66&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.04&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;UK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;244,303&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;248,061&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;247,360&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,645&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,299&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,518&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.08&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.33&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.42&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Portugal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,760&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,573&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,455&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;948&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,014&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.99&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.27&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.41&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Openbank Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;144,039&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;141,312&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;135,608&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,642&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,527&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,877&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.53&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.50&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.12&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;148,488&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;149,907&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137,894&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,012&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,303&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.82&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.68&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.57&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53,476&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49,927&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;52,785&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,420&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,352&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,489&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.65&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.71&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.82&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;118,546&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;116,247&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;126,722&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,010&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,090&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,923&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.76&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.10&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.25&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,146&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,590&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,565&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,528&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,394&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,332&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.73&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.37&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.01&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,813&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,411&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,903&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;677&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;173&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;78&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.68&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.06&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.99&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,340&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,256&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,206&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;327&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;360&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;302&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3.50&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3.89&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3.67&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,159,180&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,134,418&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,115,288&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;33,739&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34,383&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34,671&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2.91&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3.03&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3.11&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-indent:10.91pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.723%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.632%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.541%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.541%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.653%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.662%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;NPL coverage&#160;ratio &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(%) &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net loan-loss provisions&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&lt;br/&gt;(EUR million)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Cost&#160;of&#160;risk &lt;br/&gt;(%/risk)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;D&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;49&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,142&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,259&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,522&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.43&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.50&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.61&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;UK&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;177&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;247&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.07&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.03&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.10&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Portugal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;81&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;78&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;77&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.02)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.03&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.19&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Openbank Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;87&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;88&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,363&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,209&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;792&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.97&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.88&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.62&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;55&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;64&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,244&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,507&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,593&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.62&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.82&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.92&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Mexico&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;105&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;100&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,239&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,277&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,135&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.69&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.64&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.43&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Brazil&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;81&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;79&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;83&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,409&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,487&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,701&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.17&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.03&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.27&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Chile&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;531&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;497&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;365&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.32&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.19&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.80&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Argentina&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;90&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;177&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;166&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;574&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;284&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.34&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.59&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.64&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporate Centre&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;24&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;25&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;34&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;198&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2.79&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(0.05)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(0.04)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Group&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;64&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,128&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,822&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,784&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1.14&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1.12&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1.13&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A. Data for 2025, 2024 and 2023 reflect the new reporting structure. Management perimeter according to the reported segments.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B. Includes gross loans and advances to customers, guarantees. impaired undrawn customer balances and debt securities issued by non-financial institutions.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C. Loan-loss provisions net of post write-off recoveries (EUR 1,791&#160;million in 2025).&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D. Provisions to cover losses due to impairment of loans in the last 12 months / average customer loans and advances of the last 12 months.&lt;/span&gt;&lt;/div&gt;</ifrs-full:DisclosureOfCreditRiskExposureExplanatory>
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    <san:PercentageOfTotalProvisions contextRef="c-2" decimals="2" id="f-16429" unitRef="number">0.94</san:PercentageOfTotalProvisions>
    <san:DisclosureOfCreditQualityTableTextBlock contextRef="c-1" id="f-16430">In addition, depending on the transactions credit quality, the exposure is divided into four categories according to Standard &amp;amp; Poor's rating scale:&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.426%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.768%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.768%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.768%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.770%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.6pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;112,795&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,243&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;115,038&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;367,186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;381,579&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;291,014&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,363&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;335,376&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;56,503&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;779,109&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;78,112&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,275&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;888,496&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-losses reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,068&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,698&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,177&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20,942&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.426%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.768%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.768%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.768%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.770%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;102,394&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,564&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;104,958&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;411,158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,678&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;426,837&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;276,422&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42,456&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;318,878&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,273&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;58,291&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;800,360&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;77,330&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31,273&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;908,963&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-losses reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,184&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,512&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,938&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20,635&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.242%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.426%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.768%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.768%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.768%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.770%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;140,792&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,237&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;143,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;404,184&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,746&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;417,930&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;250,619&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39,979&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;290,599&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,846&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,455&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,933&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;807,228&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;74,808&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;32,455&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;914,491&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-losses reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,463&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,883&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,404&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21,750&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Detail of credit quality ratings calculated for Group management purposes. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.23pt"&gt;Total exposure includes loan balances (drawn amounts) and off balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.45pt"&gt;Includes provisions for undrawn authorized lines (loan commitments).&lt;/span&gt;&lt;/div&gt;Data for 2025, 2024 and 2023 reflect the new reporting structure, mainly the disposal of Poland. &lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In addition, the exposure is divided in four tranches of the Standard &amp;amp; Poor's rating scale, according to their current credit quality:&lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.998%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.877%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,963&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30,344&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152,981&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,529&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;162,510&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,630&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,770&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;615&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,475&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,092&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;200,576&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;19,295&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,475&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;222,346&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;163&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;319&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;373&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;855&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.998%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.877%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,012&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,184&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,196&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;159,970&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,916&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;170,886&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,594&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,769&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;695&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,999&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;209,588&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;23,970&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,292&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;236,850&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;166&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;401&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;400&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;967&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.998%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.877%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,236&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,273&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;47,509&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;145,884&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,850&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;156,734&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,588&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,995&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,583&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,518&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,518&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;205,708&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;26,118&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,518&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;235,344&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;172&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;498&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;396&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,066&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Detail of credit quality ratings calculated for Group management purposes. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.23pt"&gt;Total exposure includes loan balances (drawn amounts) and off balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.45pt"&gt;Includes provisions for undrawn authorized lines (loan commitments).&lt;/span&gt;&lt;/div&gt; In addition, the exposure is divided in four tranches of the Standard &amp;amp; Poor's rating scale, according to their current credit quality:&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.998%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.877%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;109,001&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,453&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;110,454&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;45,351&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,189&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,680&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,630&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;183,686&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,566&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,761&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;201,013&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;382&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;483&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,204&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,069&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.998%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.877%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,347&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;110&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;35,457&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;104,197&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,124&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;105,321&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37,413&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,257&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,084&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,199&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,901&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;179,041&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,277&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,618&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;198,936&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;340&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;570&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,953&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,863&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.998%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.877%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,827&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;46,875&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;101,079&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;780&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;101,859&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,789&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,694&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,513&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,517&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,536&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #A6A6A6;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,566&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;183,324&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,134&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,536&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;205,994&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;300&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;663&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,959&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,922&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Detail of credit quality ratings calculated for Group management purposes. Excluding the SCIB branches business&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:5.48pt"&gt;Total exposure includes loan balances (drawn amounts) and off balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.7pt"&gt;Includes provisions for undrawn authorized lines &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:115%"&gt;(loan commitments).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail of Santander Bank, National Association exposure and loan-loss reserves associated with each of the stages at 31 December, 2025, 2024 and 2023 is shown below. In addition, the exposure is divided in four tranches of the Standard &amp;amp; Poor's rating scale, according to their current credit quality:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.950%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,622&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,646&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,352&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;728&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,080&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,758&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,459&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,217&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;779&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;861&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,158&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,798&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total exposure&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;38,511&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,072&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,158&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;45,741&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;277&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;325&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;202&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;804&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:14.17pt;text-indent:-14.17pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.950%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;277&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,422&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;930&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;22,352&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,899&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,855&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,754&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;482&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,645&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;47,569&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,544&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,130&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;54,243&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;292&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;364&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;182&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;838&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:9.07pt;text-indent:8.93pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.085%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.950%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,834&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,468&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;459&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,927&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,439&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28,751&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;52&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;450&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;50,666&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,424&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;894&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;55,984&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;409&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;335&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;141&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;885&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.54pt"&gt;Detail of credit quality ratings calculated for Group management purposes.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:5.48pt"&gt;Total exposure includes loan balances (drawn amounts) and off-balance (letters of credit + guarantees) and excludes REPO, FV portfolio, trading portfolio and undrawn commitments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:5.7pt"&gt;Includes provisions for undrawn authorized lines (loan commitments).&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.467%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,167&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;947&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,577&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,871&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,588&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,036&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,798&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,818&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,588&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;25,204&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;419&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;910&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,688&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,017&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.467%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;202&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;202&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,802&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;451&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,259&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,226&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,729&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,214&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;20,263&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,677&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,729&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;30,669&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;630&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,006&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,908&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,544&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.467%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves by stage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;99&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,120&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;395&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,515&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,754&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,237&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,272&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,263&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,973&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,632&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,272&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;28,877&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;597&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,019&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,712&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,328&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Detail of credit quality ratings calculated for Group management purposes.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.23pt"&gt;Total exposure includes loan balances (drawn amounts) and off-balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.45pt"&gt;Includes provisions for undrawn authorized lines (loan commitments).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.467%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#ffffff;border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="12" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,513&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,411&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29,179&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,253&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30,432&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,035&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43,124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,169&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;83,383&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,602&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,151&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;104,136&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;648&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,128&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,216&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,992&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.467%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19,557&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;970&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,527&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;32,824&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,637&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,461&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33,655&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,285&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;423&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,613&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;86,459&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,700&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,382&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;103,541&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;687&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;860&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3,766&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,313&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.467%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.259%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure and loan-loss reserves&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Credit quality &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stage 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From AAA to AA-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,670&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;468&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21,138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From A+ to BB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,869&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;751&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39,620&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;From BB- to B-&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,177&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;CCC and below&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3,735&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total exposure&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;96,799&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,131&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,479&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;113,409&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan-loss reserves&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;722&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,078&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,538&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,338&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Detail of credit quality ratings calculated for Group management purposes.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.23pt"&gt;Total exposure includes loan balances (drawn amounts) and off-balance (letters of credit + guarantees) and excludes REPOs, FV portfolio, trading portfolio and undrawn commitments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%;padding-left:1.45pt"&gt;Includes provisions for undrawn authorized lines (loan commitments).&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfCreditQualityTableTextBlock>
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      id="f-16537"
      unitRef="number">0.02</san:FlexibleLoansMortgagePortfolioPercentage>
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      id="f-16538"
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      id="f-16540"
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      id="f-16541"
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      unitRef="number">0.70</san:LoanToValueRatio>
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      id="f-16543"
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      decimals="-6"
      id="f-16544"
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    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6816"
      decimals="-6"
      id="f-16545"
      unitRef="eur">381000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6817"
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      id="f-16546"
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    <ifrs-full:MaximumExposureToCreditRisk
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      id="f-16547"
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    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6819"
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      id="f-16548"
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    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6820"
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      unitRef="eur">9529000000</ifrs-full:MaximumExposureToCreditRisk>
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      contextRef="c-6821"
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      id="f-16550"
      unitRef="eur">0</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
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    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6823"
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      id="f-16552"
      unitRef="eur">17630000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
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      id="f-16553"
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    <ifrs-full:MaximumExposureToCreditRisk
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    <ifrs-full:MaximumExposureToCreditRisk
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    <ifrs-full:MaximumExposureToCreditRisk
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    <ifrs-full:MaximumExposureToCreditRisk
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      id="f-16561"
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    <ifrs-full:MaximumExposureToCreditRisk
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    <ifrs-full:MaximumExposureToCreditRisk
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      id="f-16563"
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    <ifrs-full:MaximumExposureToCreditRisk
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      id="f-16568"
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    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6839"
      decimals="-6"
      id="f-16569"
      unitRef="eur">1184000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
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      id="f-16570"
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    <ifrs-full:MaximumExposureToCreditRisk
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      id="f-16571"
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    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6842"
      decimals="-6"
      id="f-16572"
      unitRef="eur">159970000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6843"
      decimals="-6"
      id="f-16573"
      unitRef="eur">10916000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6844"
      decimals="-6"
      id="f-16574"
      unitRef="eur">0</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6845"
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      id="f-16575"
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    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6846"
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      id="f-16576"
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    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6847"
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      id="f-16577"
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    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6848"
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      id="f-16578"
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    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6849"
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    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6850"
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      id="f-16580"
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    <ifrs-full:MaximumExposureToCreditRisk
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      id="f-16581"
      unitRef="eur">695000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6852"
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      id="f-16582"
      unitRef="eur">3292000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
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      id="f-16583"
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    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6854"
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      id="f-16584"
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    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6855"
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      id="f-16585"
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    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6856"
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      id="f-16586"
      unitRef="eur">3292000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-4757"
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      id="f-16587"
      unitRef="eur">236850000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:FinancialAssets
      contextRef="c-6857"
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      id="f-16588"
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    <ifrs-full:FinancialAssets
      contextRef="c-6858"
      decimals="-6"
      id="f-16589"
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    <ifrs-full:FinancialAssets
      contextRef="c-6859"
      decimals="-6"
      id="f-16590"
      unitRef="eur">-400000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6860"
      decimals="-6"
      id="f-16591"
      unitRef="eur">-967000000</ifrs-full:FinancialAssets>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6861"
      decimals="-6"
      id="f-16592"
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    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6862"
      decimals="-6"
      id="f-16593"
      unitRef="eur">1273000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6863"
      decimals="-6"
      id="f-16594"
      unitRef="eur">0</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6864"
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      id="f-16595"
      unitRef="eur">47509000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6865"
      decimals="-6"
      id="f-16596"
      unitRef="eur">145884000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6866"
      decimals="-6"
      id="f-16597"
      unitRef="eur">10850000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6867"
      decimals="-6"
      id="f-16598"
      unitRef="eur">0</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6868"
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      id="f-16599"
      unitRef="eur">156734000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6869"
      decimals="-6"
      id="f-16600"
      unitRef="eur">13588000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6870"
      decimals="-6"
      id="f-16601"
      unitRef="eur">13995000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6871"
      decimals="-6"
      id="f-16602"
      unitRef="eur">0</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6872"
      decimals="-6"
      id="f-16603"
      unitRef="eur">27583000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6873"
      decimals="-6"
      id="f-16604"
      unitRef="eur">0</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6874"
      decimals="-6"
      id="f-16605"
      unitRef="eur">0</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6875"
      decimals="-6"
      id="f-16606"
      unitRef="eur">3518000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6876"
      decimals="-6"
      id="f-16607"
      unitRef="eur">3518000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6877"
      decimals="-6"
      id="f-16608"
      unitRef="eur">205708000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6878"
      decimals="-6"
      id="f-16609"
      unitRef="eur">26118000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-6879"
      decimals="-6"
      id="f-16610"
      unitRef="eur">3518000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:MaximumExposureToCreditRisk
      contextRef="c-4758"
      decimals="-6"
      id="f-16611"
      unitRef="eur">235344000000</ifrs-full:MaximumExposureToCreditRisk>
    <ifrs-full:FinancialAssets
      contextRef="c-6880"
      decimals="-6"
      id="f-16612"
      unitRef="eur">-172000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6881"
      decimals="-6"
      id="f-16613"
      unitRef="eur">-498000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6882"
      decimals="-6"
      id="f-16614"
      unitRef="eur">-396000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6883"
      decimals="-6"
      id="f-16615"
      unitRef="eur">-1066000000</ifrs-full:FinancialAssets>
    <san:NumberOfProspectiveMacroeconomicScenarios
      contextRef="c-6884"
      decimals="INF"
      id="f-16616"
      unitRef="scenario">4</san:NumberOfProspectiveMacroeconomicScenarios>
    <san:DisclosureOfMacroeconomicScenariosTableTextBlock contextRef="c-1" id="f-16617">The evolution forecasted in 2025 for the next five years of the main macroeconomic indicators used by Santander UK to estimate expected losses is presented below:&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.834%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.166%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.166%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.166%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.168%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2026 - 2030&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Variables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Pessimistic scenario&#160;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Pessimistic scenario&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Base scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Optimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Unemployment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.8&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Housing price change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;GDP growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.02&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;The projected evolution for a period of five years of the main macroeconomic indicators used by Santander Spain for estimating expected losses as of 2025, is presented below:&lt;div style="margin-bottom:6pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.961%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.961%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.964%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2026-2030&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Variables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Pessimistic scenario&#160;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Base scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Optimistic scenario&#160;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Unemployment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Housing price change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;GDP growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;The evolution projected in 2025 for a period of five years of the main macroeconomic indicators used Santander Bank, National Association to estimate expected losses is presented below:&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.976%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.053%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.053%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.592%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.826%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2026-2030&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Variables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Pessimistic scenario&#160;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Pessimistic scenario&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Base scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Optimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate (annual averaged)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.8&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Unemployment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;House price change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.1&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;GDP growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Manheim growth&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.1&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A. US used vehicle price car index. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The evolution forecasted in 2025 for a period of five years of the main macroeconomic indicators used by in SC USA in the estimation of expected losses is shown below:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.361%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.053%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.053%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.592%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.441%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2026-2030&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Variables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Pessimistic scenario&#160;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Pessimistic scenario&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Base scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Optimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate (annual averaged)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.8&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Unemployment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;House price change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.1&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;GDP growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Manheim&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt; index&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A. US used vehicle price car index. &lt;/span&gt;&lt;/div&gt;The evolution for a period of five years of the main macroeconomic indicators used to estimate the expected losses in Santander Brazil is as follows:&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:36.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.579%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.579%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.580%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2026-2030&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Variables&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Pessimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Base scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Optimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate (annual averaged)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Unemployment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;House price change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.1&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;GDP growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.8&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Burden income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26.8&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26.1&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfMacroeconomicScenariosTableTextBlock>
    <san:EvolutionProjectionPeriod contextRef="c-6884" id="f-16618">P5Y</san:EvolutionProjectionPeriod>
    <san:EstimationOfExpectedLossesInterestRate
      contextRef="c-6885"
      decimals="3"
      id="f-16619"
      unitRef="number">0.024</san:EstimationOfExpectedLossesInterestRate>
    <san:EstimationOfExpectedLossesInterestRate
      contextRef="c-6886"
      decimals="3"
      id="f-16620"
      unitRef="number">0.035</san:EstimationOfExpectedLossesInterestRate>
    <san:EstimationOfExpectedLossesInterestRate
      contextRef="c-6887"
      decimals="3"
      id="f-16621"
      unitRef="number">0.033</san:EstimationOfExpectedLossesInterestRate>
    <san:EstimationOfExpectedLossesInterestRate
      contextRef="c-6888"
      decimals="3"
      id="f-16622"
      unitRef="number">0.030</san:EstimationOfExpectedLossesInterestRate>
    <san:EstimationOfExpectedLossesUnemploymentRate
      contextRef="c-6885"
      decimals="3"
      id="f-16623"
      unitRef="number">0.073</san:EstimationOfExpectedLossesUnemploymentRate>
    <san:EstimationOfExpectedLossesUnemploymentRate
      contextRef="c-6886"
      decimals="3"
      id="f-16624"
      unitRef="number">0.058</san:EstimationOfExpectedLossesUnemploymentRate>
    <san:EstimationOfExpectedLossesUnemploymentRate
      contextRef="c-6887"
      decimals="3"
      id="f-16625"
      unitRef="number">0.045</san:EstimationOfExpectedLossesUnemploymentRate>
    <san:EstimationOfExpectedLossesUnemploymentRate
      contextRef="c-6888"
      decimals="3"
      id="f-16626"
      unitRef="number">0.042</san:EstimationOfExpectedLossesUnemploymentRate>
    <san:EstimationOfExpectedLossesHousingPriceChangeRate
      contextRef="c-6885"
      decimals="3"
      id="f-16627"
      unitRef="number">-0.029</san:EstimationOfExpectedLossesHousingPriceChangeRate>
    <san:EstimationOfExpectedLossesHousingPriceChangeRate
      contextRef="c-6886"
      decimals="3"
      id="f-16628"
      unitRef="number">-0.002</san:EstimationOfExpectedLossesHousingPriceChangeRate>
    <san:EstimationOfExpectedLossesHousingPriceChangeRate
      contextRef="c-6887"
      decimals="3"
      id="f-16629"
      unitRef="number">0.029</san:EstimationOfExpectedLossesHousingPriceChangeRate>
    <san:EstimationOfExpectedLossesHousingPriceChangeRate
      contextRef="c-6888"
      decimals="3"
      id="f-16630"
      unitRef="number">0.044</san:EstimationOfExpectedLossesHousingPriceChangeRate>
    <san:EstimationOfExpectedLossesGDPGrowthRate
      contextRef="c-6885"
      decimals="4"
      id="f-16631"
      unitRef="number">-0.0002</san:EstimationOfExpectedLossesGDPGrowthRate>
    <san:EstimationOfExpectedLossesGDPGrowthRate
      contextRef="c-6886"
      decimals="3"
      id="f-16632"
      unitRef="number">0.002</san:EstimationOfExpectedLossesGDPGrowthRate>
    <san:EstimationOfExpectedLossesGDPGrowthRate
      contextRef="c-6887"
      decimals="3"
      id="f-16633"
      unitRef="number">0.014</san:EstimationOfExpectedLossesGDPGrowthRate>
    <san:EstimationOfExpectedLossesGDPGrowthRate
      contextRef="c-6888"
      decimals="3"
      id="f-16634"
      unitRef="number">0.024</san:EstimationOfExpectedLossesGDPGrowthRate>
    <san:DisclosureOfWeightAssociatedWithMacroeconomicScenariosTableTextBlock contextRef="c-1" id="f-16635">In addition, at 31 December 2025, 2023 and 2022, the weights used by Santander UK reflect the future prospects of the British economy in relation to its current political and economic position so that higher weights are assigned for negative scenarios:&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:47.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.183%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.183%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.186%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pessimistic scenario&#160;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pessimistic scenario&#160;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pessimistic scenario&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Base scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Optimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;As for its allocation, Santander Spain associates the Base scenario with the highest weight, while associating the lower weights to the most extreme scenarios:&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:36.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.579%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.579%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.580%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pessimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Base scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Optimistic scenario&#160;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;As for its allocation, Santander Bank, National Association associates the highest weighting to the Base scenario, while associates the lowest weightings to the most extreme scenarios:&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:43.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.420%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pessimistic scenario 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pessimistic scenario 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Base scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Optimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Each of the macroeconomic scenarios is associated with a given weight. Santander Consumer USA Inc. associates the highest weighting to the Base scenario, whereas it associates the lowest weightings to the most extreme or acid scenarios:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:47.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.875%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.876%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pessimistic scenario 2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pessimistic scenario 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Base scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Optimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;Regarding its assignation, Brazil links the highest weight to the base scenario whilst links the lowest weights to the most extreme scenarios:&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:36.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.579%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.579%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.580%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pessimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Base scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Optimistic scenario&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</san:DisclosureOfWeightAssociatedWithMacroeconomicScenariosTableTextBlock>
    <san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios
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    <san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios
      contextRef="c-6890"
      decimals="2"
      id="f-16637"
      unitRef="number">0.20</san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios>
    <san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios
      contextRef="c-6891"
      decimals="2"
      id="f-16638"
      unitRef="number">0.20</san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios>
    <san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios
      contextRef="c-6885"
      decimals="2"
      id="f-16639"
      unitRef="number">0.10</san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios>
    <san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios
      contextRef="c-6892"
      decimals="2"
      id="f-16640"
      unitRef="number">0.10</san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios>
    <san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios
      contextRef="c-6893"
      decimals="2"
      id="f-16641"
      unitRef="number">0.10</san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios>
    <san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios
      contextRef="c-6886"
      decimals="2"
      id="f-16642"
      unitRef="number">0.25</san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios>
    <san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios
      contextRef="c-6894"
      decimals="2"
      id="f-16643"
      unitRef="number">0.25</san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios>
    <san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios
      contextRef="c-6895"
      decimals="2"
      id="f-16644"
      unitRef="number">0.10</san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios>
    <san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios
      contextRef="c-6887"
      decimals="2"
      id="f-16645"
      unitRef="number">0.50</san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios>
    <san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios
      contextRef="c-6896"
      decimals="2"
      id="f-16646"
      unitRef="number">0.50</san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios>
    <san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios
      contextRef="c-6897"
      decimals="2"
      id="f-16647"
      unitRef="number">0.50</san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios>
    <san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios
      contextRef="c-6888"
      decimals="2"
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      unitRef="number">0.15</san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios>
    <san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios
      contextRef="c-6898"
      decimals="2"
      id="f-16649"
      unitRef="number">0.15</san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios>
    <san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios
      contextRef="c-6899"
      decimals="2"
      id="f-16650"
      unitRef="number">0.10</san:PercentageOfWeightingsAssociatedWithMacroeconomicScenarios>
    <san:DisclosureOfMacroeconomicVariablesSensitivityAnalysisTableTextBlock contextRef="c-1" id="f-16651">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios, as of December 2025, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:54.317%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.191%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.192%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Change in Provision&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Mortgages&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporates&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;GDP Growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Housing price change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Unemployment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios, at December 31 2025, is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:44.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.494%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Change in Provision&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Mortgages&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Others&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;GDP Growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.1&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.1&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3.6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Housing price change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.8&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Unemployment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.8&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:115%"&gt;The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios as of 2025 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.123%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Change in Provision&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Mortgages&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Corporates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Auto&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;GDP Growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.6%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.9%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.8%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10.6%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7.7%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2.0%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Housing price change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;26.9%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18.7%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.0%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(12.9%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9.3%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2.5%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Unemployment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(41.6%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(25.9%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7.9%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;53.9%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39.5%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.8%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Manheim index&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.8%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.4%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios at the end of 2025 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.546%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:59.812%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.988%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Change in provision&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;SC Auto&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Manheim index&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.0%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.8%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Unemployment Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4.9%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.0%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;House Price Change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.1%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.6%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;GDP&#160;growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.7%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.2%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;text-indent:-0.01pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The sensitivity analysis of the main portfolios expected loss to variations of +/-100 bp for the macroeconomic variables used in the construction of the scenarios is at the end of 2025 as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:40.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.346%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Change in provision&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Individuals&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;SME&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;GDP growth&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.4&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Unemployment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3.8&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.8&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.2&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.3&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate (SELIC)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;-100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.6&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.9&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;+100 bps&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.7&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.0&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.5&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfMacroeconomicVariablesSensitivityAnalysisTableTextBlock>
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    <san:PercentChangeInProvisionAssuming100BasisPointDecreaseInGDPGrowthRate
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    <san:PercentChangeInProvisionAssuming100BasisPointIncreaseInGDPGrowthRate
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    <san:PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate
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    <san:PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate
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      unitRef="number">0.060</san:PercentChangeInProvisionAssuming100BasisPointDecreaseInHousingPriceChangeRate>
    <san:PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate
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    <san:PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate
      contextRef="c-6901"
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      id="f-16659"
      unitRef="number">-0.016</san:PercentChangeInProvisionAssuming100BasisPointIncreaseInHousingPriceChangeRate>
    <san:PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate
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    <san:PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate
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      id="f-16661"
      unitRef="number">-0.025</san:PercentChangeInProvisionAssuming100BasisPointDecreaseInUnemploymentRate>
    <san:PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate
      contextRef="c-6900"
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    <san:PercentChangeInProvisionAssuming100BasisPointIncreaseInUnemploymentRate
      contextRef="c-6901"
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      id="f-16664"
      unitRef="number">1</san:ProbabilityOfDefaultPercentageIncreaseFromInitialRecognition>
    <san:MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk contextRef="c-6884" id="f-16665">P30D</san:MinimumPeriodOfIrregularPositionsToConsiderSignificantIncreaseInRisk>
    <ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic contextRef="c-307" decimals="-6" id="f-16666" unitRef="eur">305156000000</ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic>
    <san:PercentageOfTotalPortfolioAtRisk
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    <san:DecreaseInNonPerformingLoansRatio
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    <san:NonPerformingCoverageRatio
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    <san:IncreaseDecreaseInNonPerformingCoverageRatioPercent
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    <san:PercentageOfDecreaseInCostOfCredit
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      decimals="4"
      id="f-16673"
      unitRef="number">0.0007</san:PercentageOfDecreaseInCostOfCredit>
    <ifrs-full:FinancialAssets
      contextRef="c-6902"
      decimals="-6"
      id="f-16674"
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      id="f-16675"
      unitRef="eur">59316000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
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      decimals="-6"
      id="f-16676"
      unitRef="eur">61097000000</ifrs-full:FinancialAssets>
    <san:LoansPercentageSecuredByMortgage
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      decimals="4"
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    <san:LoansPercentageSecuredByMortgage
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    <san:LoansPercentageSecuredByMortgage
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    <ifrs-full:FinancialAssets
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    <ifrs-full:FinancialAssets
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      id="f-16681"
      unitRef="eur">625000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6909"
      decimals="-6"
      id="f-16682"
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    <ifrs-full:FinancialAssets
      contextRef="c-6910"
      decimals="-6"
      id="f-16683"
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    <ifrs-full:FinancialAssets
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      id="f-16684"
      unitRef="eur">59787000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6912"
      decimals="-6"
      id="f-16685"
      unitRef="eur">618000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6903"
      decimals="-6"
      id="f-16686"
      unitRef="eur">59316000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
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      decimals="-6"
      id="f-16687"
      unitRef="eur">789000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
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      id="f-16688"
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      contextRef="c-6916"
      decimals="-6"
      id="f-16690"
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    <ifrs-full:FinancialAssets
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      id="f-16691"
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    <ifrs-full:FinancialAssets
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      id="f-16694"
      unitRef="eur">215000000</ifrs-full:FinancialAssets>
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    <ifrs-full:FinancialAssets
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      id="f-16697"
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    <san:DecreaseInNonPerformingLoansRatio
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    <san:IncreaseDecreaseInResidentialMortgageCreditRiskPercentage
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    <san:DebtToIncomeRatio
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    <san:DebtToIncomeRatio
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      id="f-16702"
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    <san:DebtToIncomeRatio
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    <san:PercentageOfPortfolioWithLoanToValueRatioLessThanDefinedPercent
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    <san:LoanToValueRatio
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    <ifrs-full:DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsExplanatory contextRef="c-1" id="f-16706">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Breakdown of the credit with mortgage guarantee to households for house acquisition, according to the percentage that the total risk represents on the amount of the latest available valuation (loan to value):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.131%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.735%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.095%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="18" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loan to value ratio&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR Million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Less than or equal&#160;to&#160;40%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than 40% and less than 60%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than 60% and less than 80%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than 80% and less than or equal to 100%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;More than 100%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gross amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20,310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,811&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,812&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;59,787&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which impaired&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;84&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;At year-end, the distribution of this portfolio was as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:67.109%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.691%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR Million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Loans: gross amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1. Without mortgage guarantee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2. With mortgage guarantee&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2,970&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.1 Completed buildings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;976&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.1.1 Residential&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;658&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.1.2 Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;318&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.2 Buildings and other constructions under construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,981&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.2.1 Residential&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,913&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.2.2 Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.3 Land&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.3.1 Developed consolidated land&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.3.2 Other land&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,984&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The detail, by activity and geographical area of the Group's risk concentration at 31 December 2025 is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:42.603%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.161%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Spain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Other EU countries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Rest of the world&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Central banks and Credit institutions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;326,316&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61,256&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;71,853&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;119,532&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;73,675&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Public sector&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;267,765&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;82,131&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;62,620&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;109,109&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13,905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Central government&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;239,153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;66,479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;57,468&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;101,768&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,438&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other central government&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;28,612&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15,652&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,341&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;467&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other financial institutions (financial business activity)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;207,044&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,301&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50,819&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;101,600&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38,324&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-financial companies and individual entrepreneurs (non-financial business activity) (broken down by purpose)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;447,496&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;103,836&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;94,760&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;188,078&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;60,822&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Construction and property development&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;20,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,090&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;9,396&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,706&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Civil engineering construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,835&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,740&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,468&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;85&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Large companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;291,515&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;53,841&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;63,635&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;127,003&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;47,036&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;SMEs and individual entrepreneurs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;130,531&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;44,030&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;27,295&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;50,211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,995&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Households &#x2013; other (broken down by purpose)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;543,928&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;88,602&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;98,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;142,560&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;214,504&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Residential&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;333,552&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;61,818&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;27,030&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;46,605&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;198,099&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Consumer loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;192,746&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;69,670&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;87,491&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;15,801&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Other purposes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;17,630&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,562&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;604&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,792,549&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;352,126&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;378,314&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;660,879&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;401,230&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;For the purposes of this table, the definition of risk includes the following items in the public balance sheet: 'Loans and advances to credit institutions', 'Loans and advances to Central Banks', 'Loans and advances to Customers', 'Debt securities', 'Equity Instruments', 'Trading Derivatives', 'Hedging derivatives', 'Investments and financial guarantees given'.</ifrs-full:DisclosureOfNatureAndExtentOfRisksArisingFromFinancialInstrumentsExplanatory>
    <ifrs-full:FinancialAssets
      contextRef="c-6929"
      decimals="-6"
      id="f-16707"
      unitRef="eur">17191000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6930"
      decimals="-6"
      id="f-16708"
      unitRef="eur">20310000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6931"
      decimals="-6"
      id="f-16709"
      unitRef="eur">18811000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6932"
      decimals="-6"
      id="f-16710"
      unitRef="eur">2812000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6933"
      decimals="-6"
      id="f-16711"
      unitRef="eur">663000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6911"
      decimals="-6"
      id="f-16712"
      unitRef="eur">59787000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6934"
      decimals="-6"
      id="f-16713"
      unitRef="eur">122000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6935"
      decimals="-6"
      id="f-16714"
      unitRef="eur">158000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6936"
      decimals="-6"
      id="f-16715"
      unitRef="eur">151000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6937"
      decimals="-6"
      id="f-16716"
      unitRef="eur">84000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6938"
      decimals="-6"
      id="f-16717"
      unitRef="eur">103000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6912"
      decimals="-6"
      id="f-16718"
      unitRef="eur">618000000</ifrs-full:FinancialAssets>
    <ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic
      contextRef="c-6939"
      decimals="-6"
      id="f-16719"
      unitRef="eur">99395000000</ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic>
    <san:IncreaseDecreaseInPortfolioOfSME
      contextRef="c-6940"
      decimals="3"
      id="f-16720"
      unitRef="number">-0.101</san:IncreaseDecreaseInPortfolioOfSME>
    <san:PercentageOfTotalPortfolioAtRisk
      contextRef="c-6939"
      decimals="2"
      id="f-16721"
      unitRef="number">0.33</san:PercentageOfTotalPortfolioAtRisk>
    <san:PercentageOfTotalPortfolioAtRisk
      contextRef="c-6941"
      decimals="2"
      id="f-16722"
      unitRef="number">0.41</san:PercentageOfTotalPortfolioAtRisk>
    <san:ICOLoanGrantedAsResultOfThePandemic contextRef="c-307" decimals="-6" id="f-16723" unitRef="eur">25428000000</san:ICOLoanGrantedAsResultOfThePandemic>
    <san:ICOLoanPandemic contextRef="c-307" decimals="-6" id="f-16724" unitRef="eur">10857000000</san:ICOLoanPandemic>
    <san:ICOLoansPercentageOfTotalPortfolio
      contextRef="c-307"
      decimals="3"
      id="f-16725"
      unitRef="number">0.036</san:ICOLoansPercentageOfTotalPortfolio>
    <san:NonPerformingRatio
      contextRef="c-6939"
      decimals="4"
      id="f-16726"
      unitRef="number">0.0410</san:NonPerformingRatio>
    <san:DecreaseInNonPerformingRatioPercent
      contextRef="c-6940"
      decimals="4"
      id="f-16727"
      unitRef="number">0.0097</san:DecreaseInNonPerformingRatioPercent>
    <ifrs-full:FinancialAssets
      contextRef="c-6942"
      decimals="-6"
      id="f-16728"
      unitRef="eur">2545000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6943"
      decimals="-6"
      id="f-16729"
      unitRef="eur">2433000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6944"
      decimals="-6"
      id="f-16730"
      unitRef="eur">2327000000</ifrs-full:FinancialAssets>
    <san:DecreaseThroughForeclosure
      contextRef="c-6945"
      decimals="-6"
      id="f-16731"
      unitRef="eur">0</san:DecreaseThroughForeclosure>
    <san:DecreaseThroughForeclosure
      contextRef="c-6946"
      decimals="-6"
      id="f-16732"
      unitRef="eur">0</san:DecreaseThroughForeclosure>
    <san:DecreaseThroughForeclosure
      contextRef="c-6947"
      decimals="-6"
      id="f-16733"
      unitRef="eur">1000000</san:DecreaseThroughForeclosure>
    <ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets
      contextRef="c-6945"
      decimals="-6"
      id="f-16734"
      unitRef="eur">-441000000</ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets
      contextRef="c-6946"
      decimals="-6"
      id="f-16735"
      unitRef="eur">-112000000</ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets>
    <ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets
      contextRef="c-6947"
      decimals="-6"
      id="f-16736"
      unitRef="eur">-115000000</ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets>
    <san:DecreaseThroughWriteoffFinancialAsset
      contextRef="c-6945"
      decimals="-6"
      id="f-16737"
      unitRef="eur">2000000</san:DecreaseThroughWriteoffFinancialAsset>
    <san:DecreaseThroughWriteoffFinancialAsset
      contextRef="c-6946"
      decimals="-6"
      id="f-16738"
      unitRef="eur">0</san:DecreaseThroughWriteoffFinancialAsset>
    <san:DecreaseThroughWriteoffFinancialAsset
      contextRef="c-6947"
      decimals="-6"
      id="f-16739"
      unitRef="eur">8000000</san:DecreaseThroughWriteoffFinancialAsset>
    <ifrs-full:FinancialAssets
      contextRef="c-6948"
      decimals="-6"
      id="f-16740"
      unitRef="eur">2984000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6942"
      decimals="-6"
      id="f-16741"
      unitRef="eur">2545000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6943"
      decimals="-6"
      id="f-16742"
      unitRef="eur">2433000000</ifrs-full:FinancialAssets>
    <san:NonPerformingRatio
      contextRef="c-6949"
      decimals="4"
      id="f-16743"
      unitRef="number">0.0104</san:NonPerformingRatio>
    <san:NonPerformingRatio
      contextRef="c-6950"
      decimals="4"
      id="f-16744"
      unitRef="number">0.0228</san:NonPerformingRatio>
    <san:NonPerformingRatio
      contextRef="c-6951"
      decimals="4"
      id="f-16745"
      unitRef="number">0.0304</san:NonPerformingRatio>
    <san:NonPerformingCoverageRatio
      contextRef="c-6949"
      decimals="4"
      id="f-16746"
      unitRef="number">0.3548</san:NonPerformingCoverageRatio>
    <san:NonPerformingCoverageRatio
      contextRef="c-6950"
      decimals="4"
      id="f-16747"
      unitRef="number">0.3621</san:NonPerformingCoverageRatio>
    <san:NonPerformingCoverageRatio
      contextRef="c-6951"
      decimals="4"
      id="f-16748"
      unitRef="number">0.3919</san:NonPerformingCoverageRatio>
    <ifrs-full:FinancialAssets
      contextRef="c-6952"
      decimals="-6"
      id="f-16749"
      unitRef="eur">2984000000</ifrs-full:FinancialAssets>
    <ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic
      contextRef="c-6948"
      decimals="-6"
      id="f-16750"
      unitRef="eur">211000000</ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic>
    <ifrs-full:FinancialAssets
      contextRef="c-6953"
      decimals="-6"
      id="f-16751"
      unitRef="eur">-17000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6954"
      decimals="-6"
      id="f-16752"
      unitRef="eur">31000000</ifrs-full:FinancialAssets>
    <ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic
      contextRef="c-6949"
      decimals="-6"
      id="f-16753"
      unitRef="eur">0</ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic>
    <ifrs-full:FinancialAssets
      contextRef="c-6955"
      decimals="-6"
      id="f-16754"
      unitRef="eur">-11000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding
      contextRef="c-6954"
      decimals="-6"
      id="f-16755"
      unitRef="eur">240000000</ifrs-full:FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding>
    <ifrs-full:LoansAndAdvancesToCustomers
      contextRef="c-6956"
      decimals="-6"
      id="f-16756"
      unitRef="eur">240609000000</ifrs-full:LoansAndAdvancesToCustomers>
    <ifrs-full:Assets contextRef="c-307" decimals="-6" id="f-16757" unitRef="eur">1867515000000</ifrs-full:Assets>
    <ifrs-full:FinancialAssets
      contextRef="c-6957"
      decimals="-6"
      id="f-16758"
      unitRef="eur">-1086000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6958"
      decimals="-6"
      id="f-16759"
      unitRef="eur">14000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6959"
      decimals="-6"
      id="f-16760"
      unitRef="eur">2970000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6960"
      decimals="-6"
      id="f-16761"
      unitRef="eur">976000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6961"
      decimals="-6"
      id="f-16762"
      unitRef="eur">658000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6962"
      decimals="-6"
      id="f-16763"
      unitRef="eur">318000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6963"
      decimals="-6"
      id="f-16764"
      unitRef="eur">1981000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6964"
      decimals="-6"
      id="f-16765"
      unitRef="eur">1913000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6965"
      decimals="-6"
      id="f-16766"
      unitRef="eur">68000000</ifrs-full:FinancialAssets>
    <ifrs-full:FinancialAssets
      contextRef="c-6966"
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      unitRef="eur">4908000000</ifrs-full:RiskExposureAssociatedWithInstrumentsSharingCharacteristic>
    <san:PercentageOfTotalSovereignRisk
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      decimals="3"
      id="f-17444"
      unitRef="number">0.012</san:PercentageOfTotalSovereignRisk>
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    <san:PercentageOfTotalSovereignRisk
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    <san:DisclosureOfMaximumExposureLimitsBasedOnCreditQualityTableTextBlock contextRef="c-1" id="f-17447">&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Our investment strategy for sovereign risk considers country&#x2019;s credit quality to set the maximum exposure limits. The following table shows the percentage of exposure by rating&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.59pt;font-weight:400;line-height:130%;position:relative;top:-3.01pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:43.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.420%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Exposure distribution by rating&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;AAA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;21&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;AA&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;BBB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Less than BBB&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-left:11.34pt;text-indent:-11.34pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:5.85pt"&gt;Internal ratings are applied.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;</san:DisclosureOfMaximumExposureLimitsBasedOnCreditQualityTableTextBlock>
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      unitRef="eur">3931000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
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      id="f-17701"
      unitRef="eur">3931000000</ifrs-full:DerivativeFinancialAssetsHeldForHedging>
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      unitRef="eur">50000000</ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets>
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      contextRef="c-7699"
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      id="f-17703"
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      id="f-17704"
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      id="f-17705"
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      id="f-17706"
      unitRef="eur">171546000000</ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
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      unitRef="eur">1421184000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
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      id="f-17711"
      unitRef="eur">1421184000000</ifrs-full:FinancialLiabilitiesAtAmortisedCost>
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      unitRef="eur">49000000</ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities>
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    <san:DisclosureOfNatureAndExtentOfRisksByRiskFactorTextBlock contextRef="c-1" id="f-17719">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table displays the latest and average VaR values at 99% by risk factor over the last three years. It also shows the minimum and maximum VaR values in 2025 and 97.5% ES at the end of December 2025:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.201%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:justify"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;VaR statistics and expected shortfall by risk factor&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:5.85pt;font-weight:700;line-height:105%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="36" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million. VaR at 99% and ES at 97.5% with one day time horizon&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;div style="margin-bottom:1pt;text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-bottom:0.5pt solid #ec0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;div style="margin-bottom:1pt;text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="12" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;VaR&#160;(99%)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;ES (97.5%)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;VaR&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;VaR&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;div style="margin-bottom:1pt;text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Min&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Average&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Max&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Latest&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Latest&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Average&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Latest&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Average&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="margin-bottom:1pt;text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Latest&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9.6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17.6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;29.2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18.7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16.9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17.1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18.7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11.7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13.5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Diversification effect&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(21.0)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(59.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(17.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(18.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(19.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(27.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(17.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Europe&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9.6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15.0&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;28.2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13.2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13.2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12.7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16.0&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9.4&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11.8&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Diversification effect&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(18.0)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(32.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(17.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(18.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(10.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(13.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;19.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Credit spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total North America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3.7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5.8&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8.9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5.5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5.3&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6.9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6.4&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4.0&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5.0&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Diversification effect&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1.1)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.8)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 7pt 0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total South America&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3.2&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7.6&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16.5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5.8&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5.9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9.0&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9.5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7.3&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7.0&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Diversification effect&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(0.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5.2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(28.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6.2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5.5)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6.2)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Commodities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:12pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A. In South and North America, VaR levels of credit spreads and commodities are not shown separately due to their low or null materiality.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;In general, the structural VaR of Grupo Santander tota&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;l assets and equity is minor&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.941%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="border-bottom:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Structural VaR&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="27" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million. Structural VaR 99% with a temporary horizon of one day.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Min&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Max&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Latest&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Latest&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Average&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Latest&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Structural VaR&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;598.5&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;662.9&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;751.9&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;690.1&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;747.7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;687.5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;705.0&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;749.5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Diversification effect&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(155.9)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(258.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(265.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(206.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(386.4)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(268.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(416.6)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(444.7)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;VaR Interest Rate&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;158.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;177.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;205.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;177.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;412.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;235.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;348.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;380.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;VaR Exchange Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;486.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;597.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;648.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;572.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;571.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;594.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;580.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;642.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;VaR Equities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;110.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;146.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;163.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;146.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;150.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;126.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;192.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;171.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:18pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt; Includes credit spread VaR on ALCO portfolios.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfNatureAndExtentOfRisksByRiskFactorTextBlock>
    <san:ValueAtRiskConfidenceLevelPercentage
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      unitRef="number">0.99</san:ValueAtRiskConfidenceLevelPercentage>
    <san:ExpectedShortfallConfidenceLevelPercentage
      contextRef="c-7696"
      decimals="3"
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      unitRef="number">0.975</san:ExpectedShortfallConfidenceLevelPercentage>
    <san:ValueAtRiskConfidenceLevelPercentage
      contextRef="c-7696"
      decimals="2"
      id="f-17722"
      unitRef="number">0.99</san:ValueAtRiskConfidenceLevelPercentage>
    <san:ExpectedShortfallConfidenceLevelPercentage
      contextRef="c-7696"
      decimals="3"
      id="f-17723"
      unitRef="number">0.975</san:ExpectedShortfallConfidenceLevelPercentage>
    <san:TimeHorizonValueAtRiskAndExpectedShortfallConfidenceLevelPeriod contextRef="c-1" id="f-17724">P1D</san:TimeHorizonValueAtRiskAndExpectedShortfallConfidenceLevelPeriod>
    <san:ValueAtRiskConfidenceLevelPercentage
      contextRef="c-7696"
      decimals="2"
      id="f-17725"
      unitRef="number">0.99</san:ValueAtRiskConfidenceLevelPercentage>
    <san:ExpectedShortfallConfidenceLevelPercentage
      contextRef="c-7696"
      decimals="3"
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      unitRef="number">0.975</san:ExpectedShortfallConfidenceLevelPercentage>
    <ifrs-full:ValueAtRisk
      contextRef="c-7703"
      decimals="-5"
      id="f-17727"
      unitRef="eur">9600000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7704"
      decimals="-5"
      id="f-17728"
      unitRef="eur">17600000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7705"
      decimals="-5"
      id="f-17729"
      unitRef="eur">29200000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7698"
      decimals="-5"
      id="f-17730"
      unitRef="eur">18700000</ifrs-full:ValueAtRisk>
    <san:ExpectedShortfall
      contextRef="c-7698"
      decimals="-5"
      id="f-17731"
      unitRef="eur">16900000</san:ExpectedShortfall>
    <ifrs-full:ValueAtRisk
      contextRef="c-7706"
      decimals="-5"
      id="f-17732"
      unitRef="eur">17100000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7707"
      decimals="-5"
      id="f-17733"
      unitRef="eur">18700000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7708"
      decimals="-5"
      id="f-17734"
      unitRef="eur">11700000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7709"
      decimals="-5"
      id="f-17735"
      unitRef="eur">13500000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7710"
      decimals="-5"
      id="f-17736"
      unitRef="eur">-10700000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7711"
      decimals="-5"
      id="f-17737"
      unitRef="eur">-21000000.0</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7712"
      decimals="-5"
      id="f-17738"
      unitRef="eur">-59300000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7713"
      decimals="-5"
      id="f-17739"
      unitRef="eur">-17700000</ifrs-full:ValueAtRisk>
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      contextRef="c-7713"
      decimals="-5"
      id="f-17740"
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    <ifrs-full:ValueAtRisk
      contextRef="c-7714"
      decimals="-5"
      id="f-17741"
      unitRef="eur">-19800000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7715"
      decimals="-5"
      id="f-17742"
      unitRef="eur">-27300000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7716"
      decimals="-5"
      id="f-17743"
      unitRef="eur">-14900000</ifrs-full:ValueAtRisk>
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      contextRef="c-7717"
      decimals="-5"
      id="f-17744"
      unitRef="eur">-17100000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7718"
      decimals="-5"
      id="f-17745"
      unitRef="eur">11200000</ifrs-full:ValueAtRisk>
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      contextRef="c-7719"
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      id="f-17746"
      unitRef="eur">16500000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7720"
      decimals="-5"
      id="f-17747"
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    <ifrs-full:ValueAtRisk
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      id="f-17748"
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      id="f-17749"
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    <ifrs-full:ValueAtRisk
      contextRef="c-7721"
      decimals="-5"
      id="f-17750"
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    <ifrs-full:ValueAtRisk
      contextRef="c-7722"
      decimals="-5"
      id="f-17751"
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      contextRef="c-7723"
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      id="f-17752"
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      contextRef="c-7724"
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      id="f-17753"
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      contextRef="c-7725"
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      id="f-17754"
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      contextRef="c-7726"
      decimals="-5"
      id="f-17755"
      unitRef="eur">6500000</ifrs-full:ValueAtRisk>
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      contextRef="c-7727"
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      id="f-17756"
      unitRef="eur">10800000</ifrs-full:ValueAtRisk>
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      contextRef="c-7728"
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      id="f-17757"
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      id="f-17758"
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      contextRef="c-7729"
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      id="f-17759"
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      contextRef="c-7730"
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      id="f-17760"
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      contextRef="c-7731"
      decimals="-5"
      id="f-17761"
      unitRef="eur">3200000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7732"
      decimals="-5"
      id="f-17762"
      unitRef="eur">6000000.0</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7733"
      decimals="-5"
      id="f-17763"
      unitRef="eur">3300000</ifrs-full:ValueAtRisk>
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      contextRef="c-7734"
      decimals="-5"
      id="f-17764"
      unitRef="eur">7400000</ifrs-full:ValueAtRisk>
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      contextRef="c-7735"
      decimals="-5"
      id="f-17765"
      unitRef="eur">37500000</ifrs-full:ValueAtRisk>
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      contextRef="c-7736"
      decimals="-5"
      id="f-17766"
      unitRef="eur">6300000</ifrs-full:ValueAtRisk>
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      contextRef="c-7736"
      decimals="-5"
      id="f-17767"
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      contextRef="c-7737"
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      id="f-17768"
      unitRef="eur">5800000</ifrs-full:ValueAtRisk>
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      contextRef="c-7738"
      decimals="-5"
      id="f-17769"
      unitRef="eur">5900000</ifrs-full:ValueAtRisk>
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      contextRef="c-7739"
      decimals="-5"
      id="f-17770"
      unitRef="eur">5300000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7740"
      decimals="-5"
      id="f-17771"
      unitRef="eur">4800000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7741"
      decimals="-5"
      id="f-17772"
      unitRef="eur">3200000</ifrs-full:ValueAtRisk>
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      contextRef="c-7742"
      decimals="-5"
      id="f-17773"
      unitRef="eur">5700000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7743"
      decimals="-5"
      id="f-17774"
      unitRef="eur">10200000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7744"
      decimals="-5"
      id="f-17775"
      unitRef="eur">4800000</ifrs-full:ValueAtRisk>
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      contextRef="c-7744"
      decimals="-5"
      id="f-17776"
      unitRef="eur">4800000</san:ExpectedShortfall>
    <ifrs-full:ValueAtRisk
      contextRef="c-7745"
      decimals="-5"
      id="f-17777"
      unitRef="eur">4900000</ifrs-full:ValueAtRisk>
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      contextRef="c-7746"
      decimals="-5"
      id="f-17778"
      unitRef="eur">5300000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7747"
      decimals="-5"
      id="f-17779"
      unitRef="eur">4300000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7748"
      decimals="-5"
      id="f-17780"
      unitRef="eur">6100000</ifrs-full:ValueAtRisk>
    <ifrs-full:ValueAtRisk
      contextRef="c-7749"
      decimals="-5"
      id="f-17781"
      unitRef="eur">200000</ifrs-full:ValueAtRisk>
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      contextRef="c-7750"
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million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Amount weighted applicable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Amount weighted applicable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Amount weighted applicable&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;High-quality liquid assets-HQLAs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Cash and reserves available at central banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;150,883&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;188,745&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;217,935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Marketable assets Level 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;173,744&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;150,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;119,043&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Marketable assets Level 2A&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,726&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,696&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;4,236&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Marketable assets Level 2B&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,584&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,951&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,814&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total high-quality liquid assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;337,937&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;351,304&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;348,028&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfHighQualityLiquidAssetsTableTextBlock>
    <san:HighQualityLiquidAssets
      contextRef="c-7959"
      decimals="-6"
      id="f-18020"
      unitRef="eur">150883000000</san:HighQualityLiquidAssets>
    <san:HighQualityLiquidAssets
      contextRef="c-7960"
      decimals="-6"
      id="f-18021"
      unitRef="eur">188745000000</san:HighQualityLiquidAssets>
    <san:HighQualityLiquidAssets
      contextRef="c-7961"
      decimals="-6"
      id="f-18022"
      unitRef="eur">217935000000</san:HighQualityLiquidAssets>
    <san:HighQualityLiquidAssets
      contextRef="c-7962"
      decimals="-6"
      id="f-18023"
      unitRef="eur">173744000000</san:HighQualityLiquidAssets>
    <san:HighQualityLiquidAssets
      contextRef="c-7963"
      decimals="-6"
      id="f-18024"
      unitRef="eur">150912000000</san:HighQualityLiquidAssets>
    <san:HighQualityLiquidAssets
      contextRef="c-7964"
      decimals="-6"
      id="f-18025"
      unitRef="eur">119043000000</san:HighQualityLiquidAssets>
    <san:HighQualityLiquidAssets
      contextRef="c-7965"
      decimals="-6"
      id="f-18026"
      unitRef="eur">5726000000</san:HighQualityLiquidAssets>
    <san:HighQualityLiquidAssets
      contextRef="c-7966"
      decimals="-6"
      id="f-18027"
      unitRef="eur">4696000000</san:HighQualityLiquidAssets>
    <san:HighQualityLiquidAssets
      contextRef="c-7967"
      decimals="-6"
      id="f-18028"
      unitRef="eur">4236000000</san:HighQualityLiquidAssets>
    <san:HighQualityLiquidAssets
      contextRef="c-7968"
      decimals="-6"
      id="f-18029"
      unitRef="eur">7584000000</san:HighQualityLiquidAssets>
    <san:HighQualityLiquidAssets
      contextRef="c-7969"
      decimals="-6"
      id="f-18030"
      unitRef="eur">6951000000</san:HighQualityLiquidAssets>
    <san:HighQualityLiquidAssets
      contextRef="c-7970"
      decimals="-6"
      id="f-18031"
      unitRef="eur">6814000000</san:HighQualityLiquidAssets>
    <san:HighQualityLiquidAssets
      contextRef="c-7971"
      decimals="-6"
      id="f-18032"
      unitRef="eur">337937000000</san:HighQualityLiquidAssets>
    <san:HighQualityLiquidAssets
      contextRef="c-7972"
      decimals="-6"
      id="f-18033"
      unitRef="eur">351304000000</san:HighQualityLiquidAssets>
    <san:HighQualityLiquidAssets
      contextRef="c-7973"
      decimals="-6"
      id="f-18034"
      unitRef="eur">348028000000</san:HighQualityLiquidAssets>
    <san:DisclosureOfLiquidityCoverageRatioByComponentTableTextBlock contextRef="c-1" id="f-18035">&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:47.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.183%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.183%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.186%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;High-quality liquid assets-HQLAs (numerator)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;301,618&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;315,524&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;348,028&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total net cash outflows (denominator)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;208,388&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;206,889&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;209,892&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Cash outflows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;287,044&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;278,760&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;282,982&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Cash inflows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;78,656&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;71,871&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;73,090&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Consolidated LCR ratio (%)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;145&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;153&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;166&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Group LCR ratio (%)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;155&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;168&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:0.75pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;NSFR ratio (%)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;126&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;126&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;123&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfLiquidityCoverageRatioByComponentTableTextBlock>
    <san:HighQualityLiquidAssetsAdjusted
      contextRef="c-7971"
      decimals="-6"
      id="f-18036"
      unitRef="eur">301618000000</san:HighQualityLiquidAssetsAdjusted>
    <san:HighQualityLiquidAssetsAdjusted
      contextRef="c-7972"
      decimals="-6"
      id="f-18037"
      unitRef="eur">315524000000</san:HighQualityLiquidAssetsAdjusted>
    <san:HighQualityLiquidAssetsAdjusted
      contextRef="c-7973"
      decimals="-6"
      id="f-18038"
      unitRef="eur">348028000000</san:HighQualityLiquidAssetsAdjusted>
    <san:HighQualityLiquidAssetsCashOutflowInflow
      contextRef="c-7958"
      decimals="-6"
      id="f-18039"
      unitRef="eur">208388000000</san:HighQualityLiquidAssetsCashOutflowInflow>
    <san:HighQualityLiquidAssetsCashOutflowInflow
      contextRef="c-7974"
      decimals="-6"
      id="f-18040"
      unitRef="eur">206889000000</san:HighQualityLiquidAssetsCashOutflowInflow>
    <san:HighQualityLiquidAssetsCashOutflowInflow
      contextRef="c-7975"
      decimals="-6"
      id="f-18041"
      unitRef="eur">209892000000</san:HighQualityLiquidAssetsCashOutflowInflow>
    <san:HighQualityLiquidAssetsCashOutflow
      contextRef="c-7958"
      decimals="-6"
      id="f-18042"
      unitRef="eur">287044000000</san:HighQualityLiquidAssetsCashOutflow>
    <san:HighQualityLiquidAssetsCashOutflow
      contextRef="c-7974"
      decimals="-6"
      id="f-18043"
      unitRef="eur">278760000000</san:HighQualityLiquidAssetsCashOutflow>
    <san:HighQualityLiquidAssetsCashOutflow
      contextRef="c-7975"
      decimals="-6"
      id="f-18044"
      unitRef="eur">282982000000</san:HighQualityLiquidAssetsCashOutflow>
    <san:HighQualityLiquidAssetsCashInflow
      contextRef="c-7958"
      decimals="-6"
      id="f-18045"
      unitRef="eur">78656000000</san:HighQualityLiquidAssetsCashInflow>
    <san:HighQualityLiquidAssetsCashInflow
      contextRef="c-7974"
      decimals="-6"
      id="f-18046"
      unitRef="eur">71871000000</san:HighQualityLiquidAssetsCashInflow>
    <san:HighQualityLiquidAssetsCashInflow
      contextRef="c-7975"
      decimals="-6"
      id="f-18047"
      unitRef="eur">73090000000</san:HighQualityLiquidAssetsCashInflow>
    <san:ConsolidatedLiquidityCoverageRatio
      contextRef="c-7971"
      decimals="2"
      id="f-18048"
      unitRef="number">1.45</san:ConsolidatedLiquidityCoverageRatio>
    <san:ConsolidatedLiquidityCoverageRatio
      contextRef="c-7972"
      decimals="2"
      id="f-18049"
      unitRef="number">1.53</san:ConsolidatedLiquidityCoverageRatio>
    <san:ConsolidatedLiquidityCoverageRatio
      contextRef="c-7973"
      decimals="2"
      id="f-18050"
      unitRef="number">1.66</san:ConsolidatedLiquidityCoverageRatio>
    <san:GroupLiquidityCoverageRatio
      contextRef="c-7971"
      decimals="2"
      id="f-18051"
      unitRef="number">1.55</san:GroupLiquidityCoverageRatio>
    <san:GroupLiquidityCoverageRatio
      contextRef="c-7972"
      decimals="2"
      id="f-18052"
      unitRef="number">1.68</san:GroupLiquidityCoverageRatio>
    <san:NetStableFundingRatio
      contextRef="c-7971"
      decimals="2"
      id="f-18053"
      unitRef="number">1.26</san:NetStableFundingRatio>
    <san:NetStableFundingRatio
      contextRef="c-7972"
      decimals="2"
      id="f-18054"
      unitRef="number">1.26</san:NetStableFundingRatio>
    <san:NetStableFundingRatio
      contextRef="c-7973"
      decimals="2"
      id="f-18055"
      unitRef="number">1.23</san:NetStableFundingRatio>
    <ifrs-full:DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskExplanatory contextRef="c-1" id="f-18056">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The residual maturities of the liabilities associated with the assets and guarantees received and committed are presented below, as of 31 of December of 2025 (EUR billion):&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.196%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.574%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Residual maturities of the liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Unmatured&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&amp;lt;=1month&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&amp;gt;1 month&lt;br/&gt;&amp;lt;=3 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&amp;gt;3 months&lt;br/&gt;&amp;lt;=12 months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&amp;gt;1 year&lt;br/&gt;&amp;lt;=2 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&amp;gt;2 years&lt;br/&gt;&amp;lt;=3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3 years&lt;br/&gt;&amp;lt;=5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5 years&lt;br/&gt;&amp;lt;=10 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;&amp;gt;10 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Committed assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;24.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;50.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;29.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;37.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;306.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Guarantees received committed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;85.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;61.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;185.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskExplanatory>
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      contextRef="c-7976"
      decimals="-8"
      id="f-18057"
      unitRef="eur">24200000000</san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities>
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      contextRef="c-7977"
      decimals="-8"
      id="f-18058"
      unitRef="eur">50700000000</san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities>
    <san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities
      contextRef="c-7978"
      decimals="-8"
      id="f-18059"
      unitRef="eur">14100000000</san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities>
    <san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities
      contextRef="c-7979"
      decimals="-8"
      id="f-18060"
      unitRef="eur">38400000000</san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities>
    <san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities
      contextRef="c-7980"
      decimals="-8"
      id="f-18061"
      unitRef="eur">38800000000</san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities>
    <san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities
      contextRef="c-7981"
      decimals="-8"
      id="f-18062"
      unitRef="eur">29500000000</san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities>
    <san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities
      contextRef="c-7982"
      decimals="-8"
      id="f-18063"
      unitRef="eur">37700000000</san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities>
    <san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities
      contextRef="c-7983"
      decimals="-8"
      id="f-18064"
      unitRef="eur">36300000000</san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities>
    <san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities
      contextRef="c-7984"
      decimals="-8"
      id="f-18065"
      unitRef="eur">36600000000</san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities>
    <san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities
      contextRef="c-7985"
      decimals="-8"
      id="f-18066"
      unitRef="eur">306400000000</san:CommittedAssetsIncludingOwnDebtSecuritiesOtherThanCoveredBondsAndAssetBackedSecurities>
    <ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue
      contextRef="c-7986"
      decimals="-8"
      id="f-18067"
      unitRef="eur">2200000000</ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue>
    <ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue
      contextRef="c-7987"
      decimals="-8"
      id="f-18068"
      unitRef="eur">85200000000</ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue>
    <ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue
      contextRef="c-7988"
      decimals="-8"
      id="f-18069"
      unitRef="eur">28200000000</ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue>
    <ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue
      contextRef="c-7989"
      decimals="-8"
      id="f-18070"
      unitRef="eur">61800000000</ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue>
    <ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue
      contextRef="c-7990"
      decimals="-8"
      id="f-18071"
      unitRef="eur">4000000000.0</ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue>
    <ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue
      contextRef="c-7991"
      decimals="-8"
      id="f-18072"
      unitRef="eur">800000000</ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue>
    <ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue
      contextRef="c-7992"
      decimals="-8"
      id="f-18073"
      unitRef="eur">1900000000</ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue>
    <ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue
      contextRef="c-7993"
      decimals="-8"
      id="f-18074"
      unitRef="eur">1100000000</ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue>
    <ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue
      contextRef="c-7994"
      decimals="-8"
      id="f-18075"
      unitRef="eur">0</ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue>
    <ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue
      contextRef="c-7995"
      decimals="-8"
      id="f-18076"
      unitRef="eur">185200000000</ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue>
    <ifrs-full:DescriptionOfManagingLiquidityRisk contextRef="c-1" id="f-18077">&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The reported Group information as required by the EBA at 2025 year-end is as follows:&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:3.913%;min-width:2.913%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.871%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.640%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.643%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#ec0000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;On-balance-sheet encumbered assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR billion&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Carrying amount of encumbered assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value of encumbered assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Carrying amount of unencumbered assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value of unencumbered assets&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;152.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,149.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ebebeb;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;117.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;118.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;182.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;180.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;212.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ebebeb;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;304.9&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ebebeb;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1,562.7&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ebebeb;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.043%"&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:28.220%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.766%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Encumbrance of collateral received&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR billion&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value of encumbered collateral received or own debt securities issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Fair value of collateral received or own debt securities issued available for encumbrance&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Collateral received&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;185.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;70.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Loans and advances&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;172.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;63.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other collateral received&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;0.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Own debt securities issued other than own covered bonds or ABSs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1.4&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1.1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:28.220%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.766%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Encumbered assets and collateral received and matching liabilities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR billion&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Matching liabilities, contingent liabilities or securities lent&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets, collateral received and own debt securities issued other than covered bonds and ABSs encumbered&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total sources of encumbrance&lt;br/&gt;(carrying amount)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;472.0&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;491.5&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;</ifrs-full:DescriptionOfManagingLiquidityRisk>
    <ifrs-full:Assets
      contextRef="c-7996"
      decimals="-8"
      id="f-18078"
      unitRef="eur">152500000000</ifrs-full:Assets>
    <ifrs-full:Assets
      contextRef="c-7997"
      decimals="-8"
      id="f-18079"
      unitRef="eur">1149400000000</ifrs-full:Assets>
    <ifrs-full:Assets
      contextRef="c-7998"
      decimals="-8"
      id="f-18080"
      unitRef="eur">11400000000</ifrs-full:Assets>
    <san:IFRSAssetsFairValueDisclosure
      contextRef="c-7998"
      decimals="-8"
      id="f-18081"
      unitRef="eur">11400000000</san:IFRSAssetsFairValueDisclosure>
    <ifrs-full:Assets
      contextRef="c-7999"
      decimals="-8"
      id="f-18082"
      unitRef="eur">18700000000</ifrs-full:Assets>
    <san:IFRSAssetsFairValueDisclosure
      contextRef="c-7999"
      decimals="-8"
      id="f-18083"
      unitRef="eur">0</san:IFRSAssetsFairValueDisclosure>
    <ifrs-full:Assets
      contextRef="c-8000"
      decimals="-8"
      id="f-18084"
      unitRef="eur">117900000000</ifrs-full:Assets>
    <san:IFRSAssetsFairValueDisclosure
      contextRef="c-8000"
      decimals="-8"
      id="f-18085"
      unitRef="eur">118500000000</san:IFRSAssetsFairValueDisclosure>
    <ifrs-full:Assets
      contextRef="c-8001"
      decimals="-8"
      id="f-18086"
      unitRef="eur">182200000000</ifrs-full:Assets>
    <san:IFRSAssetsFairValueDisclosure
      contextRef="c-8001"
      decimals="-8"
      id="f-18087"
      unitRef="eur">180700000000</san:IFRSAssetsFairValueDisclosure>
    <ifrs-full:Assets
      contextRef="c-8002"
      decimals="-8"
      id="f-18088"
      unitRef="eur">23100000000</ifrs-full:Assets>
    <ifrs-full:Assets
      contextRef="c-8003"
      decimals="-8"
      id="f-18089"
      unitRef="eur">212400000000</ifrs-full:Assets>
    <ifrs-full:Assets
      contextRef="c-7985"
      decimals="-8"
      id="f-18090"
      unitRef="eur">304900000000</ifrs-full:Assets>
    <ifrs-full:Assets
      contextRef="c-8004"
      decimals="-8"
      id="f-18091"
      unitRef="eur">1562700000000</ifrs-full:Assets>
    <san:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued
      contextRef="c-7995"
      decimals="-5"
      id="f-18092"
      unitRef="eur">185200000000</san:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <san:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance
      contextRef="c-7995"
      decimals="-5"
      id="f-18093"
      unitRef="eur">70300000000</san:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <san:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued
      contextRef="c-8005"
      decimals="-5"
      id="f-18094"
      unitRef="eur">500000000</san:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <san:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance
      contextRef="c-8005"
      decimals="-5"
      id="f-18095"
      unitRef="eur">0</san:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <san:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued
      contextRef="c-8006"
      decimals="-5"
      id="f-18096"
      unitRef="eur">12200000000</san:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <san:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance
      contextRef="c-8006"
      decimals="-5"
      id="f-18097"
      unitRef="eur">7100000000</san:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <san:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued
      contextRef="c-8007"
      decimals="-5"
      id="f-18098"
      unitRef="eur">172500000000</san:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <san:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance
      contextRef="c-8007"
      decimals="-5"
      id="f-18099"
      unitRef="eur">63100000000</san:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <san:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued
      contextRef="c-8008"
      decimals="-5"
      id="f-18100"
      unitRef="eur">0</san:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <san:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance
      contextRef="c-8008"
      decimals="-5"
      id="f-18101"
      unitRef="eur">100000000</san:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <san:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued
      contextRef="c-8009"
      decimals="-5"
      id="f-18102"
      unitRef="eur">1400000000</san:FairValueOfEncumberedCollateralReceivedOrOwnDebtSecuritiesIssued>
    <san:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance
      contextRef="c-8009"
      decimals="-5"
      id="f-18103"
      unitRef="eur">1100000000</san:FairValueOfCollateralReceivedOrOwnDebtSecuritiesIssuedAvailableForEncumbrance>
    <san:AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue
      contextRef="c-8010"
      decimals="-8"
      id="f-18104"
      unitRef="eur">472000000000.0</san:AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue>
    <san:AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue
      contextRef="c-8010"
      decimals="-8"
      id="f-18105"
      unitRef="eur">491500000000</san:AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue>
    <ifrs-full:Assets
      contextRef="c-7985"
      decimals="-6"
      id="f-18106"
      unitRef="eur">304923000000</ifrs-full:Assets>
    <san:AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal
      contextRef="c-8011"
      decimals="2"
      id="f-18107"
      unitRef="number">0.50</san:AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal>
    <ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue
      contextRef="c-7995"
      decimals="-6"
      id="f-18108"
      unitRef="eur">185160000000</ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue>
    <san:CollateralAssetsNumberOfCategories
      contextRef="c-8012"
      decimals="INF"
      id="f-18109"
      unitRef="remuneration_component">2</san:CollateralAssetsNumberOfCategories>
    <san:AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue
      contextRef="c-8010"
      decimals="-6"
      id="f-18110"
      unitRef="eur">491519000000</san:AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssetsCarryingValue>
    <san:AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue
      contextRef="c-8010"
      decimals="-6"
      id="f-18111"
      unitRef="eur">472045000000</san:AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesAssociatedLiabilitiesCarryingValue>
    <san:AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal
      contextRef="c-7958"
      decimals="3"
      id="f-18112"
      unitRef="number">0.231</san:AssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilitiesPercentOfTotal>
    <san:TotalEncumberedAssetsCarryingValue
      contextRef="c-7971"
      decimals="-6"
      id="f-18113"
      unitRef="eur">2122932000000</san:TotalEncumberedAssetsCarryingValue>
    <san:CommonEquityTierOneCapitalRatio1
      contextRef="c-8013"
      decimals="4"
      id="f-18114"
      unitRef="number">0.0984</san:CommonEquityTierOneCapitalRatio1>
    <san:CommonEquityPillarOneCapitalRatio
      contextRef="c-8013"
      decimals="4"
      id="f-18115"
      unitRef="number">0.0450</san:CommonEquityPillarOneCapitalRatio>
    <san:CommonEquityPillarTwoCapitalRatio
      contextRef="c-8013"
      decimals="4"
      id="f-18116"
      unitRef="number">0.0098</san:CommonEquityPillarTwoCapitalRatio>
    <san:CommonEquityCapitalConservationBufferPercentage
      contextRef="c-8013"
      decimals="4"
      id="f-18117"
      unitRef="number">0.0250</san:CommonEquityCapitalConservationBufferPercentage>
    <san:CommonEquityTierOneCapitalRatioGlobalSystemicallyImportantEntity
      contextRef="c-8013"
      decimals="4"
      id="f-18118"
      unitRef="number">0.0125</san:CommonEquityTierOneCapitalRatioGlobalSystemicallyImportantEntity>
    <san:CommonEquityTierOneCapitalCountercyclicalBufferPercentage
      contextRef="c-2075"
      decimals="4"
      id="f-18119"
      unitRef="number">0.0055</san:CommonEquityTierOneCapitalCountercyclicalBufferPercentage>
    <san:CommonEquityTierOneCapitalSystematicRiskRequirement
      contextRef="c-2075"
      decimals="4"
      id="f-18120"
      unitRef="number">0.0005</san:CommonEquityTierOneCapitalSystematicRiskRequirement>
    <san:IFRSTierOneRiskBasedCapitalToRiskWeightedAssets
      contextRef="c-8013"
      decimals="4"
      id="f-18121"
      unitRef="number">0.1166</san:IFRSTierOneRiskBasedCapitalToRiskWeightedAssets>
    <san:IFRSCapitalToRiskWeightedAssets
      contextRef="c-8013"
      decimals="4"
      id="f-18122"
      unitRef="number">0.1410</san:IFRSCapitalToRiskWeightedAssets>
    <san:CommonEquityTierOneCapitalRatio1 contextRef="c-2" decimals="4" id="f-18123" unitRef="number">0.1346</san:CommonEquityTierOneCapitalRatio1>
    <san:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTableTextBlock contextRef="c-1" id="f-18124">The key regulatory capital figures are indicated below:&lt;div style="margin-bottom:3pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.474%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:53.389%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.070%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.070%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.071%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Reconciliation of accounting capital with regulatory capital&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Subscribed capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,345&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,092&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Share premium account&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,792&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,373&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;84,700&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;69,278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Treasury shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(96)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(68)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,078)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Attributable profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14,101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12,574&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,076&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Approved dividend&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,698)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,532)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,298)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Shareholders&#x2019; equity on public balance sheet&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;141,144&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;135,197&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;130,443&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Valuation adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(37,973)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(36,596)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(35,020)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-controlling interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,726&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,818&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total Equity on public balance sheet&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;112,748&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;107,327&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;104,241&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Goodwill and intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(15,037)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16,098)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(17,313)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Eligible preference shares and participating securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,645&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,371&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,002&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Accrued dividend&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;C&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,827)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,611)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,471)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other adjustments&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:400;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;A&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(11,146)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9,817)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8,717)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Tier 1&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:5.2pt;font-weight:700;line-height:105%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;B&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;94,383&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;90,172&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;85,742&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.29pt"&gt;Fundamentally for non-computable non-controlling interests and deductions and reasonable filters in compliance with CRR.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.23pt"&gt;Figures calculated by applying the transitional provisions of CRR 3.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%;padding-left:1.45pt"&gt;Assumes 25% of underlying profit, see note 4.a for proposed distribution of results.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;Note: Certain figures presented in this capital note have been rounded for ease of presentation. Consequently, the amounts corresponding to the rows or columns of totals in the tables presented in this note may not coincide with the arithmetic sum of the concepts or items that make up the total.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:4.55pt;font-weight:400;line-height:130%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;1 &lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt;Data calculated applying the transitional provisions of CRR 3.&lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:48.044%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table shows the capital coefficients and a detail of the eligible internal resources of the Group:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:12pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.951%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Capital coefficients&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Level 1 ordinary eligible capital (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;84,739&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;79,800&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76,741&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Level 1 additional eligible capital (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,645&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,371&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,002&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Level 2 eligible capital (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,460&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,418&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;16,497&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Risk-weighted assets (EUR million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;629,430&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;624,503&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;623,731&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Level 1 ordinary capital coefficient (CET 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.78&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;12.30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Level 1 additional capital coefficient (AT1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1.45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Level 1 capital coefficient (TIER1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;14.44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;13.75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Level 2 capital coefficient (TIER 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;2.64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total capital coefficient&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17.77&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17.39&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16.39&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:130%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.751%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.949%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.951%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:9pt;font-weight:700;line-height:105%"&gt;Eligible&#160;capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Eligible&#160;capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Common Equity Tier I&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;84,739&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;79,800&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;76,741&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,345&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,092&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(-) Treasure shares and own shares financed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,892)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,694)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,847)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Share Premium&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36,792&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;40,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;44,373&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;84,663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76,608&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;68,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other retained earnings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(39,918)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(38,617)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(35,038)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Minority interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,037&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,899&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Profit net of dividends&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,576&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,307&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deductions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(21,863)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(22,061)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(21,766)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Goodwill and intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(15,037)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(15,957)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(17,220)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#160;&#160;&#160;Others&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6,826)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(6,104)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;(4,546)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Additional Tier I&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,645&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,371&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,002&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Eligible instruments AT1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,937&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,725&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,461&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;AT1-excesses-subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;708&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;645&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;541&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Tier II&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;17,460&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;18,418&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;16,497&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Eligible instruments T2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,754&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,869&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;17,101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Excess IRB provision on PE&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;T2-excesses -&#160;subsidiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(294)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(450)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(680)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total eligible capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;111,845&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;108,589&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;102,240&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;Note: Banco Santander, S.A. and its affiliates had not taken part in any State aid programmes.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;</san:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTableTextBlock>
    <ifrs-full:IssuedCapital contextRef="c-2" decimals="-6" id="f-18125" unitRef="eur">7345000000</ifrs-full:IssuedCapital>
    <ifrs-full:IssuedCapital contextRef="c-3" decimals="-6" id="f-18126" unitRef="eur">7576000000</ifrs-full:IssuedCapital>
    <ifrs-full:IssuedCapital contextRef="c-4" decimals="-6" id="f-18127" unitRef="eur">8092000000</ifrs-full:IssuedCapital>
    <ifrs-full:SharePremium contextRef="c-2" decimals="-6" id="f-18128" unitRef="eur">36792000000</ifrs-full:SharePremium>
    <ifrs-full:SharePremium contextRef="c-3" decimals="-6" id="f-18129" unitRef="eur">40079000000</ifrs-full:SharePremium>
    <ifrs-full:SharePremium contextRef="c-4" decimals="-6" id="f-18130" unitRef="eur">44373000000</ifrs-full:SharePremium>
    <ifrs-full:CapitalReserve contextRef="c-2" decimals="-6" id="f-18131" unitRef="eur">84700000000</ifrs-full:CapitalReserve>
    <ifrs-full:CapitalReserve contextRef="c-3" decimals="-6" id="f-18132" unitRef="eur">76568000000</ifrs-full:CapitalReserve>
    <ifrs-full:CapitalReserve contextRef="c-4" decimals="-6" id="f-18133" unitRef="eur">69278000000</ifrs-full:CapitalReserve>
    <ifrs-full:TreasuryShares contextRef="c-2" decimals="-6" id="f-18134" unitRef="eur">96000000</ifrs-full:TreasuryShares>
    <ifrs-full:TreasuryShares contextRef="c-3" decimals="-6" id="f-18135" unitRef="eur">68000000</ifrs-full:TreasuryShares>
    <ifrs-full:TreasuryShares contextRef="c-4" decimals="-6" id="f-18136" unitRef="eur">1078000000</ifrs-full:TreasuryShares>
    <san:ProfitLossAttributableToShareholdersOfParent contextRef="c-2" decimals="-6" id="f-18137" unitRef="eur">14101000000</san:ProfitLossAttributableToShareholdersOfParent>
    <san:ProfitLossAttributableToShareholdersOfParent contextRef="c-3" decimals="-6" id="f-18138" unitRef="eur">12574000000</san:ProfitLossAttributableToShareholdersOfParent>
    <san:ProfitLossAttributableToShareholdersOfParent contextRef="c-4" decimals="-6" id="f-18139" unitRef="eur">11076000000</san:ProfitLossAttributableToShareholdersOfParent>
    <san:InterimDividends contextRef="c-2" decimals="-6" id="f-18140" unitRef="eur">1698000000</san:InterimDividends>
    <san:InterimDividends contextRef="c-3" decimals="-6" id="f-18141" unitRef="eur">1532000000</san:InterimDividends>
    <san:InterimDividends contextRef="c-4" decimals="-6" id="f-18142" unitRef="eur">1298000000</san:InterimDividends>
    <san:EquityAttributableToOwnersOfParentBeforeValuationAdjustments contextRef="c-2" decimals="-6" id="f-18143" unitRef="eur">141144000000</san:EquityAttributableToOwnersOfParentBeforeValuationAdjustments>
    <san:EquityAttributableToOwnersOfParentBeforeValuationAdjustments contextRef="c-3" decimals="-6" id="f-18144" unitRef="eur">135197000000</san:EquityAttributableToOwnersOfParentBeforeValuationAdjustments>
    <san:EquityAttributableToOwnersOfParentBeforeValuationAdjustments contextRef="c-4" decimals="-6" id="f-18145" unitRef="eur">130443000000</san:EquityAttributableToOwnersOfParentBeforeValuationAdjustments>
    <san:OtherReservesValuationAdjustments contextRef="c-2" decimals="-6" id="f-18146" unitRef="eur">-37973000000</san:OtherReservesValuationAdjustments>
    <san:OtherReservesValuationAdjustments contextRef="c-3" decimals="-6" id="f-18147" unitRef="eur">-36596000000</san:OtherReservesValuationAdjustments>
    <san:OtherReservesValuationAdjustments contextRef="c-4" decimals="-6" id="f-18148" unitRef="eur">-35020000000</san:OtherReservesValuationAdjustments>
    <ifrs-full:NoncontrollingInterests contextRef="c-2" decimals="-6" id="f-18149" unitRef="eur">9578000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests contextRef="c-3" decimals="-6" id="f-18150" unitRef="eur">8726000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:NoncontrollingInterests contextRef="c-4" decimals="-6" id="f-18151" unitRef="eur">8818000000</ifrs-full:NoncontrollingInterests>
    <ifrs-full:Equity contextRef="c-2" decimals="-6" id="f-18152" unitRef="eur">112748000000</ifrs-full:Equity>
    <ifrs-full:Equity contextRef="c-3" decimals="-6" id="f-18153" unitRef="eur">107327000000</ifrs-full:Equity>
    <ifrs-full:Equity contextRef="c-4" decimals="-6" id="f-18154" unitRef="eur">104241000000</ifrs-full:Equity>
    <san:RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill contextRef="c-2" decimals="-6" id="f-18155" unitRef="eur">15037000000</san:RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill>
    <san:RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill contextRef="c-3" decimals="-6" id="f-18156" unitRef="eur">16098000000</san:RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill>
    <san:RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill contextRef="c-4" decimals="-6" id="f-18157" unitRef="eur">17313000000</san:RegulatoryCapitalAdjustmentToRemoveIntangibleAssetsAndGoodwill>
    <san:SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities contextRef="c-2" decimals="-6" id="f-18158" unitRef="eur">9645000000</san:SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities>
    <san:SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities contextRef="c-3" decimals="-6" id="f-18159" unitRef="eur">10371000000</san:SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities>
    <san:SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities contextRef="c-4" decimals="-6" id="f-18160" unitRef="eur">9002000000</san:SubordinatedLiabilitiesPreferenceSharesAndPreferredSecurities>
    <san:RegulatoryCapitalAdjustmentAccruedDividend contextRef="c-2" decimals="-6" id="f-18161" unitRef="eur">1827000000</san:RegulatoryCapitalAdjustmentAccruedDividend>
    <san:RegulatoryCapitalAdjustmentAccruedDividend contextRef="c-3" decimals="-6" id="f-18162" unitRef="eur">1611000000</san:RegulatoryCapitalAdjustmentAccruedDividend>
    <san:RegulatoryCapitalAdjustmentAccruedDividend contextRef="c-4" decimals="-6" id="f-18163" unitRef="eur">1471000000</san:RegulatoryCapitalAdjustmentAccruedDividend>
    <san:RegulatoryCapitalOtherAdjustments contextRef="c-2" decimals="-6" id="f-18164" unitRef="eur">11146000000</san:RegulatoryCapitalOtherAdjustments>
    <san:RegulatoryCapitalOtherAdjustments contextRef="c-3" decimals="-6" id="f-18165" unitRef="eur">9817000000</san:RegulatoryCapitalOtherAdjustments>
    <san:RegulatoryCapitalOtherAdjustments contextRef="c-4" decimals="-6" id="f-18166" unitRef="eur">8717000000</san:RegulatoryCapitalOtherAdjustments>
    <san:IfrsCommonEquityTierOneCapital contextRef="c-2" decimals="-6" id="f-18167" unitRef="eur">94383000000</san:IfrsCommonEquityTierOneCapital>
    <san:IfrsCommonEquityTierOneCapital contextRef="c-3" decimals="-6" id="f-18168" unitRef="eur">90172000000</san:IfrsCommonEquityTierOneCapital>
    <san:IfrsCommonEquityTierOneCapital contextRef="c-4" decimals="-6" id="f-18169" unitRef="eur">85742000000</san:IfrsCommonEquityTierOneCapital>
    <san:RegulatoryCapitalAdjustmentAccruedDividendOrdinaryProfitAssumptionPercentage contextRef="c-1" decimals="2" id="f-18170" unitRef="number">0.25</san:RegulatoryCapitalAdjustmentAccruedDividendOrdinaryProfitAssumptionPercentage>
    <san:CommonEquityTierOneCapitalRequiredForCapitalAdequacy1 contextRef="c-2" decimals="-6" id="f-18171" unitRef="eur">84739000000</san:CommonEquityTierOneCapitalRequiredForCapitalAdequacy1>
    <san:CommonEquityTierOneCapitalRequiredForCapitalAdequacy1 contextRef="c-3" decimals="-6" id="f-18172" unitRef="eur">79800000000</san:CommonEquityTierOneCapitalRequiredForCapitalAdequacy1>
    <san:CommonEquityTierOneCapitalRequiredForCapitalAdequacy1 contextRef="c-4" decimals="-6" id="f-18173" unitRef="eur">76741000000</san:CommonEquityTierOneCapitalRequiredForCapitalAdequacy1>
    <san:TierOneCapitalInExcessOfCommonEquityTierOneCapital contextRef="c-2" decimals="-6" id="f-18174" unitRef="eur">9645000000</san:TierOneCapitalInExcessOfCommonEquityTierOneCapital>
    <san:TierOneCapitalInExcessOfCommonEquityTierOneCapital contextRef="c-3" decimals="-6" id="f-18175" unitRef="eur">10371000000</san:TierOneCapitalInExcessOfCommonEquityTierOneCapital>
    <san:TierOneCapitalInExcessOfCommonEquityTierOneCapital contextRef="c-4" decimals="-6" id="f-18176" unitRef="eur">9002000000</san:TierOneCapitalInExcessOfCommonEquityTierOneCapital>
    <san:IfrsTierTwoRiskBasedCapital contextRef="c-2" decimals="-6" id="f-18177" unitRef="eur">17460000000</san:IfrsTierTwoRiskBasedCapital>
    <san:IfrsTierTwoRiskBasedCapital contextRef="c-3" decimals="-6" id="f-18178" unitRef="eur">18418000000</san:IfrsTierTwoRiskBasedCapital>
    <san:IfrsTierTwoRiskBasedCapital contextRef="c-4" decimals="-6" id="f-18179" unitRef="eur">16497000000</san:IfrsTierTwoRiskBasedCapital>
    <san:IfrsRiskWeightedAssets contextRef="c-2" decimals="-6" id="f-18180" unitRef="eur">629430000000</san:IfrsRiskWeightedAssets>
    <san:IfrsRiskWeightedAssets contextRef="c-3" decimals="-6" id="f-18181" unitRef="eur">624503000000</san:IfrsRiskWeightedAssets>
    <san:IfrsRiskWeightedAssets contextRef="c-4" decimals="-6" id="f-18182" unitRef="eur">623731000000</san:IfrsRiskWeightedAssets>
    <san:CommonEquityTierOneCapitalRatio1 contextRef="c-2" decimals="4" id="f-18183" unitRef="number">0.1346</san:CommonEquityTierOneCapitalRatio1>
    <san:CommonEquityTierOneCapitalRatio1 contextRef="c-3" decimals="4" id="f-18184" unitRef="number">0.1278</san:CommonEquityTierOneCapitalRatio1>
    <san:CommonEquityTierOneCapitalRatio1 contextRef="c-4" decimals="4" id="f-18185" unitRef="number">0.1230</san:CommonEquityTierOneCapitalRatio1>
    <san:TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets contextRef="c-2" decimals="4" id="f-18186" unitRef="number">0.0153</san:TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets>
    <san:TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets contextRef="c-3" decimals="4" id="f-18187" unitRef="number">0.0166</san:TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets>
    <san:TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets contextRef="c-4" decimals="4" id="f-18188" unitRef="number">0.0145</san:TierOneCapitalInExcessOfCommonEquityTierOneCapitalPercentageOfRiskWeightedAssets>
    <san:IFRSTierOneRiskBasedCapitalToRiskWeightedAssets contextRef="c-2" decimals="4" id="f-18189" unitRef="number">0.1500</san:IFRSTierOneRiskBasedCapitalToRiskWeightedAssets>
    <san:IFRSTierOneRiskBasedCapitalToRiskWeightedAssets contextRef="c-3" decimals="4" id="f-18190" unitRef="number">0.1444</san:IFRSTierOneRiskBasedCapitalToRiskWeightedAssets>
    <san:IFRSTierOneRiskBasedCapitalToRiskWeightedAssets contextRef="c-4" decimals="4" id="f-18191" unitRef="number">0.1375</san:IFRSTierOneRiskBasedCapitalToRiskWeightedAssets>
    <san:IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets contextRef="c-2" decimals="4" id="f-18192" unitRef="number">0.0277</san:IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets>
    <san:IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets contextRef="c-3" decimals="4" id="f-18193" unitRef="number">0.0295</san:IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets>
    <san:IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets contextRef="c-4" decimals="4" id="f-18194" unitRef="number">0.0264</san:IFRSTierTwoRiskBasedCapitalToRiskWeightedAssets>
    <san:IFRSCapitalToRiskWeightedAssets contextRef="c-2" decimals="4" id="f-18195" unitRef="number">0.1777</san:IFRSCapitalToRiskWeightedAssets>
    <san:IFRSCapitalToRiskWeightedAssets contextRef="c-3" decimals="4" id="f-18196" unitRef="number">0.1739</san:IFRSCapitalToRiskWeightedAssets>
    <san:IFRSCapitalToRiskWeightedAssets contextRef="c-4" decimals="4" id="f-18197" unitRef="number">0.1639</san:IFRSCapitalToRiskWeightedAssets>
    <san:CommonEquityTierOneCapitalRequiredForCapitalAdequacy1 contextRef="c-2" decimals="-6" id="f-18198" unitRef="eur">84739000000</san:CommonEquityTierOneCapitalRequiredForCapitalAdequacy1>
    <san:CommonEquityTierOneCapitalRequiredForCapitalAdequacy1 contextRef="c-3" decimals="-6" id="f-18199" unitRef="eur">79800000000</san:CommonEquityTierOneCapitalRequiredForCapitalAdequacy1>
    <san:CommonEquityTierOneCapitalRequiredForCapitalAdequacy1 contextRef="c-4" decimals="-6" id="f-18200" unitRef="eur">76741000000</san:CommonEquityTierOneCapitalRequiredForCapitalAdequacy1>
    <ifrs-full:IssuedCapital contextRef="c-2" decimals="-6" id="f-18201" unitRef="eur">7345000000</ifrs-full:IssuedCapital>
    <ifrs-full:IssuedCapital contextRef="c-3" decimals="-6" id="f-18202" unitRef="eur">7576000000</ifrs-full:IssuedCapital>
    <ifrs-full:IssuedCapital contextRef="c-4" decimals="-6" id="f-18203" unitRef="eur">8092000000</ifrs-full:IssuedCapital>
    <san:TreasurySharesHeldAndFinanced contextRef="c-2" decimals="-6" id="f-18204" unitRef="eur">1892000000</san:TreasurySharesHeldAndFinanced>
    <san:TreasurySharesHeldAndFinanced contextRef="c-3" decimals="-6" id="f-18205" unitRef="eur">1694000000</san:TreasurySharesHeldAndFinanced>
    <san:TreasurySharesHeldAndFinanced contextRef="c-4" decimals="-6" id="f-18206" unitRef="eur">2847000000</san:TreasurySharesHeldAndFinanced>
    <ifrs-full:SharePremium contextRef="c-2" decimals="-6" id="f-18207" unitRef="eur">36792000000</ifrs-full:SharePremium>
    <ifrs-full:SharePremium contextRef="c-3" decimals="-6" id="f-18208" unitRef="eur">40079000000</ifrs-full:SharePremium>
    <ifrs-full:SharePremium contextRef="c-4" decimals="-6" id="f-18209" unitRef="eur">44373000000</ifrs-full:SharePremium>
    <san:CapitalReserveCommonEquityTierOneBasis contextRef="c-2" decimals="-6" id="f-18210" unitRef="eur">84663000000</san:CapitalReserveCommonEquityTierOneBasis>
    <san:CapitalReserveCommonEquityTierOneBasis contextRef="c-3" decimals="-6" id="f-18211" unitRef="eur">76608000000</san:CapitalReserveCommonEquityTierOneBasis>
    <san:CapitalReserveCommonEquityTierOneBasis contextRef="c-4" decimals="-6" id="f-18212" unitRef="eur">68721000000</san:CapitalReserveCommonEquityTierOneBasis>
    <san:OtherRetainedEarnings contextRef="c-2" decimals="-6" id="f-18213" unitRef="eur">-39918000000</san:OtherRetainedEarnings>
    <san:OtherRetainedEarnings contextRef="c-3" decimals="-6" id="f-18214" unitRef="eur">-38617000000</san:OtherRetainedEarnings>
    <san:OtherRetainedEarnings contextRef="c-4" decimals="-6" id="f-18215" unitRef="eur">-35038000000</san:OtherRetainedEarnings>
    <san:NonControllingInterestsCommonEquityTierOneBasis contextRef="c-2" decimals="-6" id="f-18216" unitRef="eur">9037000000</san:NonControllingInterestsCommonEquityTierOneBasis>
    <san:NonControllingInterestsCommonEquityTierOneBasis contextRef="c-3" decimals="-6" id="f-18217" unitRef="eur">8479000000</san:NonControllingInterestsCommonEquityTierOneBasis>
    <san:NonControllingInterestsCommonEquityTierOneBasis contextRef="c-4" decimals="-6" id="f-18218" unitRef="eur">6899000000</san:NonControllingInterestsCommonEquityTierOneBasis>
    <san:ProfitLossNetOfDividends contextRef="c-2" decimals="-6" id="f-18219" unitRef="eur">10576000000</san:ProfitLossNetOfDividends>
    <san:ProfitLossNetOfDividends contextRef="c-3" decimals="-6" id="f-18220" unitRef="eur">9431000000</san:ProfitLossNetOfDividends>
    <san:ProfitLossNetOfDividends contextRef="c-4" decimals="-6" id="f-18221" unitRef="eur">8307000000</san:ProfitLossNetOfDividends>
    <san:EligibleCapitalDeductions contextRef="c-2" decimals="-6" id="f-18222" unitRef="eur">21863000000</san:EligibleCapitalDeductions>
    <san:EligibleCapitalDeductions contextRef="c-3" decimals="-6" id="f-18223" unitRef="eur">22061000000</san:EligibleCapitalDeductions>
    <san:EligibleCapitalDeductions contextRef="c-4" decimals="-6" id="f-18224" unitRef="eur">21766000000</san:EligibleCapitalDeductions>
    <san:IntangibleAssetsAndGoodwillNetOfResidualValue contextRef="c-2" decimals="-6" id="f-18225" unitRef="eur">15037000000</san:IntangibleAssetsAndGoodwillNetOfResidualValue>
    <san:IntangibleAssetsAndGoodwillNetOfResidualValue contextRef="c-3" decimals="-6" id="f-18226" unitRef="eur">15957000000</san:IntangibleAssetsAndGoodwillNetOfResidualValue>
    <san:IntangibleAssetsAndGoodwillNetOfResidualValue contextRef="c-4" decimals="-6" id="f-18227" unitRef="eur">17220000000</san:IntangibleAssetsAndGoodwillNetOfResidualValue>
    <san:EligibleCapitalDeductionsOther contextRef="c-2" decimals="-6" id="f-18228" unitRef="eur">6826000000</san:EligibleCapitalDeductionsOther>
    <san:EligibleCapitalDeductionsOther contextRef="c-3" decimals="-6" id="f-18229" unitRef="eur">6104000000</san:EligibleCapitalDeductionsOther>
    <san:EligibleCapitalDeductionsOther contextRef="c-4" decimals="-6" id="f-18230" unitRef="eur">4546000000</san:EligibleCapitalDeductionsOther>
    <san:TierOneCapitalInExcessOfCommonEquityTierOneCapital contextRef="c-2" decimals="-6" id="f-18231" unitRef="eur">9645000000</san:TierOneCapitalInExcessOfCommonEquityTierOneCapital>
    <san:TierOneCapitalInExcessOfCommonEquityTierOneCapital contextRef="c-3" decimals="-6" id="f-18232" unitRef="eur">10371000000</san:TierOneCapitalInExcessOfCommonEquityTierOneCapital>
    <san:TierOneCapitalInExcessOfCommonEquityTierOneCapital contextRef="c-4" decimals="-6" id="f-18233" unitRef="eur">9002000000</san:TierOneCapitalInExcessOfCommonEquityTierOneCapital>
    <san:EligibleCapitalEligibleInstrumentsAdditionalTierOne contextRef="c-2" decimals="-6" id="f-18234" unitRef="eur">8937000000</san:EligibleCapitalEligibleInstrumentsAdditionalTierOne>
    <san:EligibleCapitalEligibleInstrumentsAdditionalTierOne contextRef="c-3" decimals="-6" id="f-18235" unitRef="eur">9725000000</san:EligibleCapitalEligibleInstrumentsAdditionalTierOne>
    <san:EligibleCapitalEligibleInstrumentsAdditionalTierOne contextRef="c-4" decimals="-6" id="f-18236" unitRef="eur">8461000000</san:EligibleCapitalEligibleInstrumentsAdditionalTierOne>
    <san:ExcessTierOneRiskBasedCapitalSubsidiaries contextRef="c-2" decimals="-6" id="f-18237" unitRef="eur">708000000</san:ExcessTierOneRiskBasedCapitalSubsidiaries>
    <san:ExcessTierOneRiskBasedCapitalSubsidiaries contextRef="c-3" decimals="-6" id="f-18238" unitRef="eur">645000000</san:ExcessTierOneRiskBasedCapitalSubsidiaries>
    <san:ExcessTierOneRiskBasedCapitalSubsidiaries contextRef="c-4" decimals="-6" id="f-18239" unitRef="eur">541000000</san:ExcessTierOneRiskBasedCapitalSubsidiaries>
    <san:IfrsTierTwoRiskBasedCapital contextRef="c-2" decimals="-6" id="f-18240" unitRef="eur">17460000000</san:IfrsTierTwoRiskBasedCapital>
    <san:IfrsTierTwoRiskBasedCapital contextRef="c-3" decimals="-6" id="f-18241" unitRef="eur">18418000000</san:IfrsTierTwoRiskBasedCapital>
    <san:IfrsTierTwoRiskBasedCapital contextRef="c-4" decimals="-6" id="f-18242" unitRef="eur">16497000000</san:IfrsTierTwoRiskBasedCapital>
    <san:SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital contextRef="c-2" decimals="-6" id="f-18243" unitRef="eur">17754000000</san:SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital>
    <san:SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital contextRef="c-3" decimals="-6" id="f-18244" unitRef="eur">18869000000</san:SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital>
    <san:SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital contextRef="c-4" decimals="-6" id="f-18245" unitRef="eur">17101000000</san:SubordinatedLiabilitiesPreferenceSharesAndParticipatingSecuritiesTierTwoCapital>
    <san:InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision contextRef="c-2" decimals="-6" id="f-18246" unitRef="eur">0</san:InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision>
    <san:InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision contextRef="c-3" decimals="-6" id="f-18247" unitRef="eur">0</san:InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision>
    <san:InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision contextRef="c-4" decimals="-6" id="f-18248" unitRef="eur">76000000</san:InstitutionalReviewBoardGeneralFundsAndSurplusLoansLossProvision>
    <san:ExcessTierTwoRiskBasedCapitalSubsidiaries contextRef="c-2" decimals="-6" id="f-18249" unitRef="eur">-294000000</san:ExcessTierTwoRiskBasedCapitalSubsidiaries>
    <san:ExcessTierTwoRiskBasedCapitalSubsidiaries contextRef="c-3" decimals="-6" id="f-18250" unitRef="eur">-450000000</san:ExcessTierTwoRiskBasedCapitalSubsidiaries>
    <san:ExcessTierTwoRiskBasedCapitalSubsidiaries contextRef="c-4" decimals="-6" id="f-18251" unitRef="eur">-680000000</san:ExcessTierTwoRiskBasedCapitalSubsidiaries>
    <san:EligibleCapital contextRef="c-2" decimals="-6" id="f-18252" unitRef="eur">111845000000</san:EligibleCapital>
    <san:EligibleCapital contextRef="c-3" decimals="-6" id="f-18253" unitRef="eur">108589000000</san:EligibleCapital>
    <san:EligibleCapital contextRef="c-4" decimals="-6" id="f-18254" unitRef="eur">102240000000</san:EligibleCapital>
    <san:ScheduleOfLeverageCapitalAndRatioTableTextBlock contextRef="c-1" id="f-18255">&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.782%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:40.566%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.346%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7.5pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Leverage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Level 1 Capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;94,385&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;90,170&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;85,742&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exposure&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,924,349&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,885,572&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9bc3d3;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,826,922&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9bc3d3;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Leverage Ratio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.90&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.78&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:ScheduleOfLeverageCapitalAndRatioTableTextBlock>
    <san:IfrsTierOneLeverageCapital contextRef="c-2" decimals="-6" id="f-18256" unitRef="eur">94385000000</san:IfrsTierOneLeverageCapital>
    <san:IfrsTierOneLeverageCapital contextRef="c-3" decimals="-6" id="f-18257" unitRef="eur">90170000000</san:IfrsTierOneLeverageCapital>
    <san:IfrsTierOneLeverageCapital contextRef="c-4" decimals="-6" id="f-18258" unitRef="eur">85742000000</san:IfrsTierOneLeverageCapital>
    <san:TierOneLeverageCapitalExposureAverageAssets contextRef="c-2" decimals="-6" id="f-18259" unitRef="eur">1924349000000</san:TierOneLeverageCapitalExposureAverageAssets>
    <san:TierOneLeverageCapitalExposureAverageAssets contextRef="c-3" decimals="-6" id="f-18260" unitRef="eur">1885572000000</san:TierOneLeverageCapitalExposureAverageAssets>
    <san:TierOneLeverageCapitalExposureAverageAssets contextRef="c-4" decimals="-6" id="f-18261" unitRef="eur">1826922000000</san:TierOneLeverageCapitalExposureAverageAssets>
    <san:IFRSTierOneLeverageCapitalToAverageAssets contextRef="c-1" decimals="4" id="f-18262" unitRef="number">0.0490</san:IFRSTierOneLeverageCapitalToAverageAssets>
    <san:IFRSTierOneLeverageCapitalToAverageAssets
      contextRef="c-86"
      decimals="4"
      id="f-18263"
      unitRef="number">0.0478</san:IFRSTierOneLeverageCapitalToAverageAssets>
    <san:IFRSTierOneLeverageCapitalToAverageAssets
      contextRef="c-87"
      decimals="4"
      id="f-18264"
      unitRef="number">0.0469</san:IFRSTierOneLeverageCapitalToAverageAssets>
    <san:NumberOfBanksDesignatedAsGlobalSystemicallyImportantBanks
      contextRef="c-1"
      decimals="INF"
      id="f-18265"
      unitRef="banks">29</san:NumberOfBanksDesignatedAsGlobalSystemicallyImportantBanks>
    <san:GlobalSystemicallyImportantBankDesignationNumberOfCriteria
      contextRef="c-1"
      decimals="INF"
      id="f-18266"
      unitRef="indicator">5</san:GlobalSystemicallyImportantBankDesignationNumberOfCriteria>
    <san:GlobalSystemicallyImportantBanksCapitalBufferPercentage
      contextRef="c-1"
      decimals="INF"
      id="f-18267"
      unitRef="number">0.01</san:GlobalSystemicallyImportantBanksCapitalBufferPercentage>
    <san:NumberOfCapitalBuffer
      contextRef="c-2"
      decimals="INF"
      id="f-18268"
      unitRef="branch">2</san:NumberOfCapitalBuffer>
    <san:DomesticSystemicallyImportantEntitiesCapitalBufferPercentage contextRef="c-1" decimals="4" id="f-18269" unitRef="number">0.0125</san:DomesticSystemicallyImportantEntitiesCapitalBufferPercentage>
    <san:DisclosureOfParentFinancialStatementsAndPreferenceSharesAndPreferredSecuritiesTextBlock contextRef="c-1" id="f-18270">Additional disclosures&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;This note includes relevant information about additional disclosure requirements.&lt;/span&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:46.363%"&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt"&gt;&lt;span id="ifcd6e767776e4c7cb70d6c36c2bfae2e"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;55.1 Parent company financial statements&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following are the summarized balance sheets of Banco Santander, S.A. as of 31 December 2025, 2024 and 2023.  In the financial information of the Parent company, investments in subsidiaries, jointly controlled entities and associates are recorded at cost. As of 31 December 2025 we have reclassified 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 &lt;/span&gt;&lt;span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"&gt;&lt;a href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_883" style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"&gt;note 3&lt;/a&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; above.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:506.25pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:322.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;CONDENSED&#160;BALANCE&#160;SHEETS (Parent&#160;company&#160;only)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash and due from banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;144,292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;157,665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;172,524&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;To bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,517&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,952&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,834&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 7pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Trading account assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;154,939&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;135,758&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;102,296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Investment securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;91,217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;77,230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;63,325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;To bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,607&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16,191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16,137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;To non-bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,697&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,005&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loans and leases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;323,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;301,937&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;298,068&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;To non-bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;23,340&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;21,127&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22,435&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Investment in affiliated companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;98,317&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;100,045&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;99,326&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;To bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;71,796&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;74,624&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;74,016&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;To non-bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;26,521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25,421&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25,310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Premises and equipment, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,825&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,219&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,368&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,986&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,435&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;836,784&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;794,840&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;757,342&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;415,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;393,787&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;398,374&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;To bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,645&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,832&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;To non-bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;26,412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,610&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Short-term debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;129,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;88,263&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;70,771&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Long-term debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;114,756&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137,549&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;129,258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;244,218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;225,812&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;200,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;To bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,994&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;To non-bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,363&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,816&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;94,325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;96,909&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;84,065&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;754,441&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;716,508&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;682,468&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stockholders' equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Capital stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,345&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,576&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,092&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Retained earnings and other reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;74,998&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;70,756&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;66,782&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total stockholders' equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;82,343&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;78,332&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;74,874&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total liabilities and Stockholders&#x2019; Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;836,784&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;794,840&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;757,342&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following are the condensed statements of income of Banco Santander, S.A. for the years ended 31 December 2025, 2024 and 2023. Results associated with the businesses held for sale in Poland have been reclassified to 'Income/(charges) after tax from discontinued operations' for all periods presented. See &lt;/span&gt;&lt;span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"&gt;&lt;a href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_883" style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"&gt;note 3&lt;/a&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; above.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:488.25pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:304.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Year ended&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;CONDENSED&#160;STATEMENTS&#160;OF&#160;INCOME (Parent&#160;company&#160;only)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,363&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,752&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,854&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest from earning assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,639&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,049&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Dividends from affiliated companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,113&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,805&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;From bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,790&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;From non-bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,041&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;865&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,015&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(18,170)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(20,112)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16,204)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest income / (charges)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,193&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,640&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,650&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provision for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,162)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,334)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,372)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest income / (charges) after provision for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,031&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,306&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,278&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,981&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,777&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7,848)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8,552)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9,662)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Income before income taxes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,256&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax expense or income from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,073)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,091)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(533)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Income/ (charges) for the period from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,092&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,167&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,860&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Income/ (charges) after tax from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,021&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;378&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,113&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,101&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,239&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following are the condensed statements of comprehensive income of Banco Santander, S.A. for the years ended 31 December 2025, 2024 and 2023:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:488.25pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:304.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Year ended &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;CONDENSED&#160;STATEMENTS&#160;OF COMPREHENSIVE&#160;INCOME&#160;(Parent&#160;company&#160;only)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;NET INCOME&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,113&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,101&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,239&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;OTHER COMPREHENSIVE INCOME &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(79)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;730&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(57)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Items that may be reclassified subsequently to profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(101)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;305&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;276&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedges of net investments in foreign operations (effective portion)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Revaluation gains (losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Amounts transferred to income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other reclassifications&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments at fair value with changes in other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(27)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;104&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Revaluation gains (losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(55)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Amounts transferred to income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(63)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;84&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other reclassifications&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash flow hedges:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(100)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;409&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Revaluation gains/(losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(79)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;140&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Amounts transferred to income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;269&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Amounts transferred to initial carrying amount of hedged items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other reclassifications&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedges of net investments in foreign operations&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(299)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Revaluation gains (losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(299)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Amounts transferred to income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other reclassifications&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-current assets held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Income tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(132)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(112)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Items that will not be reclassified to profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;425&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(333)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial gains/(losses) on pension plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other recognised income and expense of investments in subsidiaries, joint ventures and associates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of equity instruments measured at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(250)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains or losses resulting from the accounting for hedges of equity instruments measured at fair value through other comprehensive income, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedged item)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(76)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedging instrument)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of financial liabilities at fair value through profit or loss attributable to changes in credit risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(136)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(107)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Income tax relating to items that will not be reclassified&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(68)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL COMPREHENSIVE INCOME&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,034&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,831&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,182&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following are the condensed cash flow statements of Banco Santander, S.A. for the years ended 31 December 2025, 2024 and 2023.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:15pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:506.25pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:322.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Year ended &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;CONDENSED CASH FLOW STATEMENTS (Parent company only)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1. Cash flows from operating activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Consolidated profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,113&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,239&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Adjustments to profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,119)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,439)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,746)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net increase/decrease in operating assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(60,570)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(63,686)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6,765)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net increase/decrease in operating liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,113&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,480&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6,880)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reimbursements/payments of income tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(862)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(591)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(360)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total net cash flows from operating activities (1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(10,325)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(31,135)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(8,512)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2. Cash flows from investing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Investments (-)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,231)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,915)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,458)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Divestments (+)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,544&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,880&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total net cash flows from investment activities (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,979&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,629&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,422&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3. Cash flows from financing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issuance of own equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposal of own equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;649&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Acquisition of own equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,865)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,740)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,974)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issuance of debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Redemption of debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8,310)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,615)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,813)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Dividends paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,341)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,017)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,261)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issuance/Redemption of equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(751)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other collections/payments related to financing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(141)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(300)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(166)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total net cash flows from financing activities (3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(13,227)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5,313)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(929)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4. Effect of exchange rate changes on cash and cash equivalents (4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(4,099)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,256&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,044)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5. Net increase/decrease in cash and cash equivalents (1+2+3+4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(22,671)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(27,563)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5,063)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash and cash equivalents at beginning of period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;97,457&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;125,020&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;130,083&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash and cash equivalents at end of period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;74,786&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;97,457&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;125,020&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:46.360%"&gt;&lt;div style="margin-bottom:3pt"&gt;&lt;span id="i6de08f1d4e4e493fa824dcebd7740f22"&gt;&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:11.5pt;font-weight:700;line-height:110%"&gt;55.2 Preference shares and preferred securities&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table shows the balance of the preference shares and preferred securities as of 31 December 2025, 2024 and 2023:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:234.75pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:86.50pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:43.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:43.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:43.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Preference shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;201&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;211&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;202&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Preferred securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,103&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,821&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,081&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,304&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,032&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,283&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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 31 December 2025, 2024 and 2023.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:7.277%;min-width:6.277%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:46.363%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Preference shares include non-cumulative preferred non-voting shares issued by Santander UK plc.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Preferred securities include non-cumulative preferred non-voting securities issued by Banco Santander, S.A.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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 the obtainment of sufficient distributable profit and upon the limits imposed by Spanish banking regulations on equity.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:46.360%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;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 for by third parties outside the Group. &lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:7.277%;min-width:6.277%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:46.363%"&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Santander Finance Preferred, S.A. (Unipersonal)- issuer of registered securities guaranteed by Banco Santander, S.A. until November 2017, merged in that month with Banco Santander, S.A.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;For further information, see note &lt;/span&gt;&lt;span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"&gt;&lt;a href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_982" style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"&gt;23.c. 'Subordinated liabilities-other disclosures'.&lt;/a&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:506.25pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:235.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:69.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:13.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Outstanding at 31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:29pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Preference Shares Issuer/Date of issue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Amount in currency (million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Redemption &lt;br/&gt;Option (A)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander UK plc, October 1995&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pounds Sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.375%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;No option&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander UK plc, February 1996&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pounds Sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.375%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;No option&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:506.25pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:238.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:13.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:42.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:57.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:16.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:61.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Outstanding at 31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:29pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Preferred Securities Issuer/Date of issue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Amount in &lt;br/&gt;currency&lt;br/&gt;(million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest&#160;rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Maturity&#160;date&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander, S.A., January 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,032.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.375%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(B)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Perpetuity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander, S.A., May 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US Dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;999.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.750%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(C)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Perpetuity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander, S.A., May 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;749.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.125%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(D)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Perpetuity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander, S.A., September 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;994.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.625%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(E)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Perpetuity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander, S.A., November 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US Dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,149.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.625%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(F)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Perpetuity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander, S.A., November 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US Dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,349.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.625%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(G)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Perpetuity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander, S.A., May 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,500.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.00%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(H)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Perpetuity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander, S.A., August 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US Dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,494.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.00%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(I)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Perpetuity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander, S.A., July 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,500.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.00%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(J)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Perpetuity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:45pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Finance Preferred, S.A. (Unipersonal), September 2004&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;143.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x20ac;CMS 10 + 0.05% subject to a maximum distribution of 8% per annum&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Perpetuity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:46.360%"&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:107.25pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:105.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:7.277%;min-width:6.277%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:46.363%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="padding-left:3.97pt;text-indent:-3.97pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.From these dates the issuer can redeem the shares, subject to prior authorization by the national supervisor.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:3.97pt;text-indent:-3.97pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B. Payment is subject to certain conditions and to the discretion of Banco Santander. The 4.375% interest rate is set for the first six years. After that, it will be reviewed every 5 years by applying a margin of 453.4 basis point on the 5-year mid-swap rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:3.97pt;text-indent:-3.97pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.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.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:3.97pt;text-indent:-3.97pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.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.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:3.97pt;text-indent:-3.97pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E. 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:3.97pt;text-indent:-3.97pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F. Payment is subject to certain conditions and to the 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:3.97pt;text-indent:-3.97pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;G. 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:3.97pt;text-indent:-3.97pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;H. 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:3.97pt;text-indent:-3.97pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;I. 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&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:3.97pt;text-indent:-3.97pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;J. 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.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfParentFinancialStatementsAndPreferenceSharesAndPreferredSecuritiesTextBlock>
    <srt:ScheduleOfCondensedBalanceSheetTableTextBlock contextRef="c-1" id="f-18271">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following are the summarized balance sheets of Banco Santander, S.A. as of 31 December 2025, 2024 and 2023.  In the financial information of the Parent company, investments in subsidiaries, jointly controlled entities and associates are recorded at cost. As of 31 December 2025 we have reclassified 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 &lt;/span&gt;&lt;span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"&gt;&lt;a href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_883" style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"&gt;note 3&lt;/a&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; above.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:506.25pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:322.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;CONDENSED&#160;BALANCE&#160;SHEETS (Parent&#160;company&#160;only)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#6f7779;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash and due from banks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;144,292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;157,665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;172,524&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;To bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;11,517&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,952&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,834&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 7pt 2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Trading account assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;154,939&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;135,758&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;102,296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Investment securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;91,217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;77,230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;63,325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;To bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;13,607&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16,191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;16,137&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;To non-bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,697&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,005&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net loans and leases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;323,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;301,937&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;298,068&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;To non-bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;23,340&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;21,127&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;22,435&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Investment in affiliated companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;98,317&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;100,045&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;99,326&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;To bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;71,796&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;74,624&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;74,016&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;To non-bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;26,521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25,421&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;25,310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Premises and equipment, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,825&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,219&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,368&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;18,941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,986&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;15,435&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;836,784&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;794,840&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;757,342&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#424242;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;415,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;393,787&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;398,374&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;To bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;8,773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,645&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,832&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;To non-bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;26,412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;19,176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;14,610&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Short-term debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;129,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;88,263&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;70,771&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Long-term debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;114,756&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;137,549&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;129,258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Total debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;244,218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;225,812&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;200,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;To bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;3,994&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;To non-bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,363&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;2,428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,816&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;94,325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;96,909&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;84,065&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;754,441&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;716,508&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;682,468&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Stockholders' equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Capital stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,345&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;7,576&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,092&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Retained earnings and other reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;74,998&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;70,756&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;66,782&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total stockholders' equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;82,343&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;78,332&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;74,874&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total liabilities and Stockholders&#x2019; Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;836,784&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;794,840&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;757,342&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</srt:ScheduleOfCondensedBalanceSheetTableTextBlock>
    <ifrs-full:CashAndBankBalancesAtCentralBanks
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    <ifrs-full:CashAndBankBalancesAtCentralBanks
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    <ifrs-full:CashAndBankBalancesAtCentralBanks
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      id="f-18274"
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    <ifrs-full:CashAndBankBalancesAtCentralBanks
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    <ifrs-full:CashAndBankBalancesAtCentralBanks
      contextRef="c-8018"
      decimals="-6"
      id="f-18276"
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    <ifrs-full:CashAndBankBalancesAtCentralBanks
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    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading
      contextRef="c-8014"
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      id="f-18278"
      unitRef="eur">154939000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading
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    <ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading
      contextRef="c-8016"
      decimals="-6"
      id="f-18280"
      unitRef="eur">102296000000</ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading>
    <san:InvestmentSecurities
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      decimals="-6"
      id="f-18281"
      unitRef="eur">91217000000</san:InvestmentSecurities>
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      contextRef="c-8015"
      decimals="-6"
      id="f-18282"
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      decimals="-6"
      id="f-18283"
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    <san:InvestmentSecurities
      contextRef="c-8017"
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      id="f-18284"
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      decimals="-6"
      id="f-18285"
      unitRef="eur">16191000000</san:InvestmentSecurities>
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      decimals="-6"
      id="f-18286"
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    <san:InvestmentSecurities
      contextRef="c-8020"
      decimals="-6"
      id="f-18287"
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    <san:InvestmentSecurities
      contextRef="c-8021"
      decimals="-6"
      id="f-18288"
      unitRef="eur">1005000000</san:InvestmentSecurities>
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      contextRef="c-8022"
      decimals="-6"
      id="f-18289"
      unitRef="eur">1229000000</san:InvestmentSecurities>
    <san:LoansAndLeasesNet
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      decimals="-6"
      id="f-18290"
      unitRef="eur">323253000000</san:LoansAndLeasesNet>
    <san:LoansAndLeasesNet
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      decimals="-6"
      id="f-18291"
      unitRef="eur">301937000000</san:LoansAndLeasesNet>
    <san:LoansAndLeasesNet
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      decimals="-6"
      id="f-18292"
      unitRef="eur">298068000000</san:LoansAndLeasesNet>
    <san:LoansAndLeasesNet
      contextRef="c-8020"
      decimals="-6"
      id="f-18293"
      unitRef="eur">23340000000</san:LoansAndLeasesNet>
    <san:LoansAndLeasesNet
      contextRef="c-8021"
      decimals="-6"
      id="f-18294"
      unitRef="eur">21127000000</san:LoansAndLeasesNet>
    <san:LoansAndLeasesNet
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      decimals="-6"
      id="f-18295"
      unitRef="eur">22435000000</san:LoansAndLeasesNet>
    <ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates
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    <ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates
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      id="f-18297"
      unitRef="eur">100045000000</ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates>
    <ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates
      contextRef="c-8016"
      decimals="-6"
      id="f-18298"
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    <ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates
      contextRef="c-8017"
      decimals="-6"
      id="f-18299"
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    <ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates
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    <ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates
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    <ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates
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    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets
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    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets
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      id="f-18306"
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    <ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets
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      decimals="-6"
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      decimals="-6"
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      decimals="-6"
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      decimals="-6"
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      unitRef="eur">8092000000</ifrs-full:IssuedCapital>
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      unitRef="eur">836784000000</ifrs-full:EquityAndLiabilities>
    <ifrs-full:EquityAndLiabilities
      contextRef="c-8015"
      decimals="-6"
      id="f-18354"
      unitRef="eur">794840000000</ifrs-full:EquityAndLiabilities>
    <ifrs-full:EquityAndLiabilities
      contextRef="c-8016"
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      id="f-18355"
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    <srt:ScheduleOfCondensedIncomeStatementTableTextBlock contextRef="c-1" id="f-18356">&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following are the condensed statements of income of Banco Santander, S.A. for the years ended 31 December 2025, 2024 and 2023. Results associated with the businesses held for sale in Poland have been reclassified to 'Income/(charges) after tax from discontinued operations' for all periods presented. See &lt;/span&gt;&lt;span style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"&gt;&lt;a href="#i6fd1dd5c1fb542c1b16bf0ed6ef93e27_883" style="color:#0000ff;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%;text-decoration:underline"&gt;note 3&lt;/a&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt; above.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:488.25pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:304.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Year ended&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;CONDENSED&#160;STATEMENTS&#160;OF&#160;INCOME (Parent&#160;company&#160;only)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,363&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;34,752&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31,854&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest from earning assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;25,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,639&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;23,049&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Dividends from affiliated companies&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7,113&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8,805&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;Of which:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;From bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;5,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;6,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;7,790&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;From non-bank subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,041&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;865&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:105%"&gt;1,015&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(18,170)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(20,112)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16,204)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest income / (charges)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,193&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,640&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;15,650&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Provision for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,162)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,334)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,372)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest income / (charges) after provision for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;12,031&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;13,306&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;14,278&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6,981&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4,777&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(7,848)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8,552)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(9,662)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Income before income taxes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,256&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ec0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ec0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ec0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Tax expense or income from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,073)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,091)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(533)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Income/ (charges) for the period from continuing operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,092&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,167&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;8,860&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Income/ (charges) after tax from discontinued operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,021&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;935&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;378&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Net income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,113&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,101&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,239&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</srt:ScheduleOfCondensedIncomeStatementTableTextBlock>
    <ifrs-full:RevenueFromInterest
      contextRef="c-8023"
      decimals="-6"
      id="f-18357"
      unitRef="eur">31363000000</ifrs-full:RevenueFromInterest>
    <ifrs-full:RevenueFromInterest
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    <san:OtherOperatingIncome1
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    <ifrs-full:IncomeTaxExpenseContinuingOperations
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    <ifrs-full:IncomeTaxExpenseContinuingOperations
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    <ifrs-full:ProfitLossFromContinuingOperations
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    <srt:CondensedStatementOfComprehensiveIncomeTableTextBlock contextRef="c-1" id="f-18405">&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following are the condensed statements of comprehensive income of Banco Santander, S.A. for the years ended 31 December 2025, 2024 and 2023:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:488.25pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:304.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Year ended &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;CONDENSED&#160;STATEMENTS&#160;OF COMPREHENSIVE&#160;INCOME&#160;(Parent&#160;company&#160;only)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;NET INCOME&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;11,113&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,101&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,239&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;OTHER COMPREHENSIVE INCOME &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(79)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;730&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text SemiBold',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(57)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Items that may be reclassified subsequently to profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(101)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;305&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;276&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedges of net investments in foreign operations (effective portion)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Revaluation gains (losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Amounts transferred to income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other reclassifications&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Debt instruments at fair value with changes in other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(27)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;104&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Revaluation gains (losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(55)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Amounts transferred to income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(63)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;84&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other reclassifications&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash flow hedges:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(100)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;409&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;284&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Revaluation gains/(losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(79)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;140&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(70)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Amounts transferred to income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;269&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;354&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Amounts transferred to initial carrying amount of hedged items&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other reclassifications&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Hedges of net investments in foreign operations&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Exchange differences&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(299)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Revaluation gains (losses)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(299)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Amounts transferred to income statement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other reclassifications&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Non-current assets held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Income tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(132)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(112)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Items that will not be reclassified to profit or loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;21&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;425&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(333)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Actuarial gains/(losses) on pension plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other recognised income and expense of investments in subsidiaries, joint ventures and associates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of equity instruments measured at fair value through other comprehensive income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(250)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Gains or losses resulting from the accounting for hedges of equity instruments measured at fair value through other comprehensive income, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedged item)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(76)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of equity instruments measured at fair value through other comprehensive income (hedging instrument)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Changes in the fair value of financial liabilities at fair value through profit or loss attributable to changes in credit risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(136)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(107)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Income tax relating to items that will not be reclassified&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(68)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #ebebeb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #ebebeb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;38&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #ebebeb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #cc0000;border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;TOTAL COMPREHENSIVE INCOME&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid 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    <srt:ScheduleOfCondensedCashFlowStatementTableTextBlock contextRef="c-1" id="f-18505">&lt;div style="margin-bottom:9pt;padding-right:263.62pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;Following are the condensed cash flow statements of Banco Santander, S.A. for the years ended 31 December 2025, 2024 and 2023.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:15pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:506.25pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:322.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Year ended &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;CONDENSED CASH FLOW STATEMENTS (Parent company only)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;31 December 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;1. Cash flows from operating activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Consolidated profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;11,113&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,101&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,239&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Adjustments to profit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,119)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,439)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,746)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net increase/decrease in operating assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(60,570)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(63,686)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6,765)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Net increase/decrease in operating liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;41,113&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;27,480&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(6,880)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Reimbursements/payments of income tax&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(862)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(591)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(360)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total net cash flows from operating activities (1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(10,325)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(31,135)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(8,512)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2. Cash flows from investing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Investments (-)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(4,231)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,915)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(5,458)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Divestments (+)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9,544&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10,880&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total net cash flows from investment activities (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4,979&lt;/span&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;6,629&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5,422&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;3. Cash flows from financing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issuance of own equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Disposal of own equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;485&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;649&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Acquisition of own equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,865)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,740)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,974)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issuance of debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,852&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;5,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Redemption of debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(8,310)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,615)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(1,813)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Dividends paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,341)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(3,017)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(2,261)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Issuance/Redemption of equity instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(751)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Other collections/payments related to financing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(141)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(300)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(166)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total net cash flows from financing activities (3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(13,227)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5,313)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(929)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;4. Effect of exchange rate changes on cash and cash equivalents (4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(4,099)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2,256&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(1,044)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;5. Net increase/decrease in cash and cash equivalents (1+2+3+4)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(22,671)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(27,563)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;(5,063)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash and cash equivalents at beginning of period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#990000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;97,457&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#f6f6f6;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;125,020&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;130,083&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Cash and cash equivalents at end of period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" 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      unitRef="eur">27480000000</san:AdjustmentsForIncreaseDecreaseInOperatingLiabilities>
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      unitRef="eur">862000000</ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities>
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      unitRef="eur">591000000</ifrs-full:IncomeTaxesPaidRefundClassifiedAsOperatingActivities>
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      decimals="-6"
      id="f-18524"
      unitRef="eur">4231000000</ifrs-full:OutflowsOfCashFromInvestingActivities>
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      decimals="-6"
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      unitRef="eur">2915000000</ifrs-full:OutflowsOfCashFromInvestingActivities>
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      decimals="-6"
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      decimals="-6"
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      unitRef="eur">9210000000</ifrs-full:InflowsOfCashFromInvestingActivities>
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      decimals="-6"
      id="f-18528"
      unitRef="eur">9544000000</ifrs-full:InflowsOfCashFromInvestingActivities>
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      decimals="-6"
      id="f-18529"
      unitRef="eur">10880000000</ifrs-full:InflowsOfCashFromInvestingActivities>
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      id="f-18530"
      unitRef="eur">4979000000</ifrs-full:CashFlowsFromUsedInInvestingActivities>
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      id="f-18531"
      unitRef="eur">6629000000</ifrs-full:CashFlowsFromUsedInInvestingActivities>
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    <ifrs-full:ProceedsFromIssuingShares
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    <ifrs-full:ProceedsFromIssuingShares
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      id="f-18535"
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    <ifrs-full:ProceedsFromSaleOrIssueOfTreasuryShares
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      unitRef="eur">578000000</ifrs-full:ProceedsFromSaleOrIssueOfTreasuryShares>
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      unitRef="eur">485000000</ifrs-full:ProceedsFromSaleOrIssueOfTreasuryShares>
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      unitRef="eur">649000000</ifrs-full:ProceedsFromSaleOrIssueOfTreasuryShares>
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      unitRef="eur">3740000000</san:PaymentsToAcquireEntityShares>
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      id="f-18549"
      unitRef="eur">3017000000</ifrs-full:DividendsPaidClassifiedAsFinancingActivities>
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      decimals="-6"
      id="f-18550"
      unitRef="eur">2261000000</ifrs-full:DividendsPaidClassifiedAsFinancingActivities>
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      id="f-18551"
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      unitRef="eur">751000000</san:IssuanceRedemptionOfTreasuryShares>
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      id="f-18553"
      unitRef="eur">0</san:IssuanceRedemptionOfTreasuryShares>
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      unitRef="eur">-141000000</ifrs-full:OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities>
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      unitRef="eur">-300000000</ifrs-full:OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities>
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      unitRef="eur">-166000000</ifrs-full:OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities>
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      id="f-18559"
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      id="f-18567"
      unitRef="eur">125020000000</ifrs-full:CashAndCashEquivalents>
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      contextRef="c-8014"
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      unitRef="eur">74786000000</ifrs-full:CashAndCashEquivalents>
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    <san:DisclosureOfBalanceOfPreferenceSharesAndPreferredSecuritiesTableTextBlock contextRef="c-1" id="f-18572">&lt;div style="margin-bottom:9pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8.6pt;font-weight:400;line-height:130%"&gt;The following table shows the balance of the preference shares and preferred securities as of 31 December 2025, 2024 and 2023:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:234.75pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:86.50pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:43.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:43.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:43.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;EUR million&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Preference shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;201&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;211&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;202&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Preferred securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,103&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,821&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #dfdfdf;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.5pt solid #dfdfdf;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,081&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.5pt solid #dfdfdf;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,304&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;10,032&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;9,283&lt;/span&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.5pt solid #cc0000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</san:DisclosureOfBalanceOfPreferenceSharesAndPreferredSecuritiesTableTextBlock>
    <ifrs-full:SubordinatedLiabilities
      contextRef="c-8036"
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      id="f-18573"
      unitRef="eur">201000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities
      contextRef="c-8037"
      decimals="-6"
      id="f-18574"
      unitRef="eur">211000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities
      contextRef="c-8038"
      decimals="-6"
      id="f-18575"
      unitRef="eur">202000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities
      contextRef="c-8039"
      decimals="-6"
      id="f-18576"
      unitRef="eur">10103000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities
      contextRef="c-8040"
      decimals="-6"
      id="f-18577"
      unitRef="eur">9821000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities
      contextRef="c-8041"
      decimals="-6"
      id="f-18578"
      unitRef="eur">9081000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities
      contextRef="c-8042"
      decimals="-6"
      id="f-18579"
      unitRef="eur">10304000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities
      contextRef="c-8043"
      decimals="-6"
      id="f-18580"
      unitRef="eur">10032000000</ifrs-full:SubordinatedLiabilities>
    <ifrs-full:SubordinatedLiabilities
      contextRef="c-8044"
      decimals="-6"
      id="f-18581"
      unitRef="eur">9283000000</ifrs-full:SubordinatedLiabilities>
    <san:DisclosureOfPreferenceSharesAndPreferredSecuritiesByIssuerTableTextBlock contextRef="c-1" id="f-18582">&lt;div style="margin-bottom:6pt;padding-left:7.09pt;text-indent:-7.09pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:506.25pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:235.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:69.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:13.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Outstanding at 31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:29pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Preference Shares Issuer/Date of issue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Amount in currency (million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Redemption &lt;br/&gt;Option (A)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander UK plc, October 1995&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pounds Sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.375%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;No option&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander UK plc, February 1996&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Pounds Sterling&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;80.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;10.375%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;No option&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:506.25pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:238.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:13.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:42.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:55.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:57.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:16.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:61.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Outstanding at 31 December 2025&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:29pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Preferred Securities Issuer/Date of issue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Currency&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Amount in &lt;br/&gt;currency&lt;br/&gt;(million)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Interest&#160;rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:700;line-height:105%"&gt;Maturity&#160;date&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #cc0000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander, S.A., January 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,032.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.375%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(B)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Perpetuity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander, S.A., May 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US Dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;999.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.750%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(C)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Perpetuity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander, S.A., May 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;749.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;4.125%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(D)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Perpetuity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander, S.A., September 2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;994.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;3.625%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(E)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Perpetuity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander, S.A., November 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US Dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,149.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.625%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(F)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Perpetuity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander, S.A., November 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US Dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,349.7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;9.625%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(G)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Perpetuity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander, S.A., May 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,500.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;7.00%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(H)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Perpetuity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander, S.A., August 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;US Dollar&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,494.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;8.00%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(I)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Perpetuity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Banco Santander, S.A., July 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;1,500.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;6.00%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;(J)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Perpetuity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:45pt"&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:justify;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Santander Finance Preferred, S.A. (Unipersonal), September 2004&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Euro&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;143.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;&#x20ac;CMS 10 + 0.05% subject to a maximum distribution of 8% per annum&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:0.5pt solid #ec0000;border-top:0.25pt solid #9c9c9c;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:8pt;font-weight:400;line-height:105%"&gt;Perpetuity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="width:100.000%"&gt;&lt;div style="display:inline-block;vertical-align:top;width:46.360%"&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:107.25pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:105.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:7.09pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="display:inline-block;max-width:7.277%;min-width:6.277%;vertical-align:top"&gt;&lt;/div&gt;&lt;div style="display:inline-block;vertical-align:top;width:46.363%"&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="padding-left:3.97pt;text-indent:-3.97pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;A.From these dates the issuer can redeem the shares, subject to prior authorization by the national supervisor.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:3.97pt;text-indent:-3.97pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;B. Payment is subject to certain conditions and to the discretion of Banco Santander. The 4.375% interest rate is set for the first six years. After that, it will be reviewed every 5 years by applying a margin of 453.4 basis point on the 5-year mid-swap rate.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:3.97pt;text-indent:-3.97pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;C.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.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:3.97pt;text-indent:-3.97pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;D.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.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:3.97pt;text-indent:-3.97pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;E. 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:3.97pt;text-indent:-3.97pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;F. Payment is subject to certain conditions and to the 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:3.97pt;text-indent:-3.97pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;G. 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:3.97pt;text-indent:-3.97pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;H. 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.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:3.97pt;text-indent:-3.97pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;I. 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&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:3.97pt;text-indent:-3.97pt"&gt;&lt;span style="color:#000000;font-family:'Santander Text Light',sans-serif;font-size:7pt;font-weight:400;line-height:115%"&gt;J. 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.&lt;/span&gt;&lt;/div&gt;</san:DisclosureOfPreferenceSharesAndPreferredSecuritiesByIssuerTableTextBlock>
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        <link:footnote id="fn-1" xlink:label="fn-1" xlink:role="http://www.xbrl.org/2003/role/footnote" xlink:type="resource" xml:lang="en-US">Includes EUR -486 million at 31 December 2025 (EUR -1,225 and EUR -1,016 at 31 December 2024 and 2023, respectively) derived from the net loss generated in Argentina as a result of the application of IAS 29 <xhtml:span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:115%">Financial reporting in hyperinflationary economies</xhtml:span><xhtml:span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%">.</xhtml:span><xhtml:span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:115%"> </xhtml:span><xhtml:span style="color:#000000;font-family:'Santander Text',sans-serif;font-size:7pt;font-weight:400;line-height:115%"> </xhtml:span></link:footnote>
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